My wife and I have been running the Chase trifecta plus for three years. We're good at hitting MSR and categorizing spend correctly. Points keep stacking up.
But last night she asked what we're saving these for and I genuinely froze. I mumbled something about maybe Japan in 2026? She pointed out we said that last year too. Then our 16 year old asked if we could use points for her college laptop and I had no coherent answer.
We've got 450k UR and like 90k Southwest sitting there. I know the math on redemptions. I track everything in a spreadsheet. But there's zero connection between the daily grind of optimizing spend and what our family actually wants.
Feels stupid to have this much value just floating around with no purpose attached to it.
Anyone else weirdly good at accumulating but terrible at connecting it to real family goals?
Chase points accumulating but I have no idea what we're actually saving for
byu/Minimum-Sympathy-958 inCreditCards
Posted by Minimum-Sympathy-958
3 Comments
you should be able to buy a laptop and plan a trip. Idk what the problem is. Pick a place you want to go. Look up flights and hotels and transfer to them and book it
At worst the 450k UR points can cash out at 1cpp, so at a minimum it’s $4500 in value.
Take that vacation, maybe the wife is hinting it’s time to go somewhere! I’d put the laptop charge on cards if it were me for the extra points, but you can cash out a portion of the points for it if you wanted.
Then maybe it’s time to switch to cash back if you’re not using points organically. Run the cash back into a HYSA or invest it and call it day.
If you aren’t traveling, the CSR or even CSP probably isn’t necessary to your setup.