Most problems in personal finance come from people focusing on the small things, not the big things.
Here is the thing with miles and points: People spend a lot of mental energy trying to figure out how to get the miles and points, and then they get the miles and points but never use them.
2024 might be a bad year. We might get a recession. We might get a bear market. We might get a housing collapse. We might get a war. We might get political turmoil. Actually, that is definitely going to happen.
Some people get themselves in a big financial jam, like with six figures in credit card or other debt. Then they feel stuck—it will take a decade to pay this off. It is pretty close to checkmate.
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