(Disclaimer: Click 'more' to see ad disclosure)Today's featured guest is Gio Ramirez from @hella_points_bro. Gio is a first-generation Filipino American, born and raised in the Bay Area and currently residing in San Antonio Texas. He's run more than 25 marathons and has taken part in some incredibly creative ways to generate side hustle income and points and miles, including being a test subject in clinical trials. In today's episode, Gio and I discuss how to get out of trouble with Collections, if you find yourself in that situation, and how exactly does payment, miles and points, or pretty much anything else logistically work when you're a clinical trial test subject for days or weeks at a time.Timestamps:((((((((You can find Gio atInstagram: https://www.instagram.com/hella_points_broYou can find Julia at:Website: https://www.geobreezetravel.comInstagram: https://www.instagram.com/geobreezetravelCredit card links: https://www.geobreezetravel.com/cardsHangouts: https://www.geobreezetravel.com/hangoutsPatreon to access recordings of hangouts: https://www.patreon.com/geobreezetravelFree 30-minute coaching call: https://www.calendly.com/geobreeze/free-introductory-chatGeobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.