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2 million points earned. 900,000 still sitting there. Should I have just taken the cash back?

Mar 4, 2026

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7 min read

2 million points earned. 900,000 still sitting there. Should I have just taken the cash back?

The math says points are winning. But there's a catch.

Jeffrey Trull
Jeffrey Trull

THE LATEST


Feb 25, 2026

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6 min read

I stress-tested my $35k emergency fund against 4 emergencies. One exposed a problem.

I could have done this math myself. I just never would have.

Feb 18, 2026

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7 min read

One prompt. Three credit cards. One returns just $217 on a $795 fee.

I finally did the math on whether my cards are actually worth it. The answer surprised me.

Feb 11, 2026

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9 min read

Stop optimizing Netflix. Start finding your $5,000+ wins.

10 questions. 10 minutes. A ranked list of your biggest blind spots.

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