Just to provide a data point (I'm not sure how to quote prior responses in the thread)...I asked the question about how to respond to the income question now that I'm FIRE'd - indicate the ~$12,000ish I'll report to the IRS at the end of 2019 or the $60,000ish I'll pull from investments to cover expenses for the year. I've applied for the Barclay Arrival Plus CC (70,000 points) and two bank accounts Citibank ($400 bonus) and HSBC ($350 bonus), answered the income question as $60,000 and approved for all three over the last couple of weeks. Will meet the requirements and let the dust settle for a few months and then will see what's out there for the remainder of the year. Starting to slow the pace a bit as banked about $2800 in bonuses last year and becoming more strategic in my targets.