Chase is hiking fees. Amex changes are looming. Points are losing value—but only if you’re not paying attention. This week’s #DearOhad tackles the strategy behind the chaos: what to apply for, what to cancel, and how to protect your points before the rules change (again).

Flights vs. hotel upgrades? Both matter—flights save cash, hotels save sanity. Business class ruins coach for life. Points bribe families and sometimes blow up your wallet. Delegate wisely or watch your points run wild. Manage smart, or get schooled by the loyalty game. 💥 Boom, travel truth served.