I am somewhere around 35k a month. I know folks who are over 100k, and have known of folks doing WAY more.

You do not need solely a credit card earning more than 2%. Plenty of MS opportunities that are zero cost. Most common is Amazon Payments, but there are at least 2 or 3 very easy ones that are NET COST $0.

Read up here, but then explore for yourself. Use this site for ideas, but... don't limit yourself just to what is here, or what someone says.

Keep in mind, yeah, if you do MS of 20x your annual income, it looks suspicious, until you break it down to 10 or 15 cards, in which case it is not, and now it is 1x your annual income. Voila.

Start a business, you can easily do A LOT more.

Involve other people, now you just doubled what you can do.

Makes sense?

Btw, want proof you do not need a 2x or more card? Right now I am milking my hotel points and miles, saving the 5x cards for others... earning points plus cash back, best of both worlds.

I urge anyone to read Michael Michalko's book, Thinkertoys. It will open up your creativity and absolutely help.

MS is rewarding when you do it, even if it is not your own idea.... but it is MUCH MORE fun when you have that AHA moment for yourself.