My life flashed before my eyes when I received perhaps the nicest looking envelope I have ever seen in my mailbox. The envelope alone looked like it costs $50. I opened it up to see that I was invited to join the Luxury club's Black Card exclusive membership. I hear celebrities and musicians talk about this card, I thought it was only for the super rich? I mention my life flashing before my eyes as I remember being so broke during my younger years and I just saved and invested so much for over 15 years that I still feel like that starving broke kid walking in the rain. I wonder if I should accept the membership just for status among financial institutions? It's pretty cool that it is made of steel and not plastic. It has a lot of great perks that I have never seen a card offer like VIP passes to certain events and access to country clubs and front row seats to major events.