What to do with extra money??

[fruitbowlk]

I think you should apply for a obtain a CC. Several have cash back scenarios of you have routine bills like utilities, cell phone, auto operational & maintenance etc. just pay off the balance one business day in advance of due date. Should you ever need to book a flight, you'll need a CC.

What are you holding in your employer's retirement program? You need to know what the fees and expenses as well as specific products. You could read The Wealthy Barber or Millionaire Next Door type book to lay a framework for getting your savings to work for you.

He should be able to book a flight with his debt card with a visa, master card logo on it.