Up+ short courses to get you up to speed 🏁🏎💨
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There’s a trillion-dollar market floating above your head built on points you’ll never redeem. Every swipe fuels it. Every delay funds it. Airlines don’t sell seats; they sell your patience. The Ghost Economy isn’t a reward system - it’s the most profitable debt ever invented 👻
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“Double points” sounds like a win. It’s not. Most multipliers are smoke and mirrors - inflated earn rates hiding weak redemptions. The real metric isn’t 2x or 5x. It’s Return on Spend - what your dollar actually yields when you cash those points for real value, not brochure math.
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Points aren't free money. They are taxable leverage hiding in plain sight. Earn them wrong, and the IRS calls it income. Use them right, and they become tax-efficient capital. The game isn't just earning and burning - it's knowing when uncle sam wants his slice.
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Chase Sapphire Reserve changes on Oct 26. Points, perks, fees - everything is being rewritten. The next few days decide if you secure maximum value or leave thousands of points stranded. Act fast, plan carefully, or risk losing what you’ve earned.
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CapitalOne built its empire on simplicity: flat earn rates, frictionless redemptions, and marketing that made points feel like cash with wings. That model doesn’t work anymore... Today their miles are fighting for definition in a world where partners are tightening, and arbitrage is vanishing.
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Citi didn’t just rename a rewards card in 2025. It relaunched an entire worldview: "ThankYou" points are no longer a backwater alternative to Chase or Amex. With the Strata family, it’s trying to make its points behave like a modern currency - flexible, timed, and fiercely contested.
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Bilt started as a novel rent reward tool. By Q4-2025, it’s matured into a loyalty infrastructure: embedded in property ecosystems, battling for redemption real estate, and hinting at alliances beyond travel - maybe even with Rakuten.
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Amex Membership Rewards Program isn’t loyalty - it’s leverage. The points aren’t perks; they’re power waiting to expire. Velocity without precision bleeds value. Time bonuses, target partners, and treat every transfer like a trade. In Q4-2025, you don’t “earn” with Amex... You operate!
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Chase doesn’t reward loyalty anymore; it rewards liquidity. The 1.5¢ safety net is gone, replaced by a live market where points rise, fall, and rot if you hesitate. Ultimate Rewards isn’t a program - it’s a trading floor. And every transfer is a trade that can make (or waste) your margin.
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You’d never let $100K vanish from your books - but it’s happening in your points. Every business needs a Chief Points Officer: someone who treats miles like money, not magic. Optimize earn, burn, and return, and turn silent balances into 5-20% ROI you can actually fly on.
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Greed, Sloth, Pride… and Business Class envy. Everyone wants to be a points genius. Few manage with discipline. These 7 sins sneak into your system - and quietly bleed value. Let’s expose them in detail.
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Traveling with children often means higher expenses, but what if you could transform those family trips into future adventures? By enrolling your kids in airline loyalty programs, you can accumulate miles that lead to free flights, upgrades, and more.