How many credit cards is too many?

If all fees are waived and you're not stressed, you're fine! I have 11.

The wife is right about the anxiety part. That's when it becomes unhealthy.

Quality over quantity. 4-5 well-chosen cards > 10+ random cards.

As long as you're not overspending to meet targets, it's fine.

I consolidated to 4 cards last year. Much more peaceful life now.

The phone storage argument made me laugh 😂 But valid point!

Track your actual savings from having 9 vs hypothetical 4. Data might surprise you.

9 is manageable. 15+ is where it gets crazy (yes, I've seen people with 20+).

If you're spending hours researching, maybe it's become a hobby? Nothing wrong with that!

The 'emergency fund' credit limit argument is dangerous. That's debt, not fund!