<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>ChurnSmart</title><description>Bank bonuses, credit card rewards, and smart financial moves for immigrant tech workers.</description><link>https://blog.ppei.dev/</link><item><title>We Made $10,141 in Bank Bonuses in Q1 2026. Here&apos;s Every Account.</title><link>https://blog.ppei.dev/posts/bank-bonus-q1-2026/</link><guid isPermaLink="true">https://blog.ppei.dev/posts/bank-bonus-q1-2026/</guid><description>Every account we opened, every bonus we collected, and what was actually annoying about it. Real numbers from two people churning together.</description><pubDate>Sat, 25 Apr 2026 00:00:00 GMT</pubDate><category>case-study</category><category>bank-bonuses</category></item><item><title>How to Build Credit From Zero as an Immigrant</title><link>https://blog.ppei.dev/posts/build-credit-from-zero/</link><guid isPermaLink="true">https://blog.ppei.dev/posts/build-credit-from-zero/</guid><description>A practical guide to building US credit when you&apos;re starting with nothing. No fluff, no jargon, just what to do and in what order.</description><pubDate>Sat, 25 Apr 2026 00:00:00 GMT</pubDate><category>beginners</category><category>credit-cards</category></item></channel></rss>