Reply to How is everyone affording all of this international travel?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Money OP. Lots and lots of money.

I am completely serious. The amount of money in this area is hard to comprehend, especially if you didn’t grow up here or somewhere like here. (I didn’t, and I’m still coming to new understanding of it even 20 years later.)[/quote]

+1.  Even the people who are playing the credit card game [b]are likely spending a lot of money for the "free" travel because of the large spend requirements.
[/b]
For most people, saving for a big trip takes time, it's not something they can do multiple times per year simply by forgoing other luxury items.  I think this board in particular is distorted.[/quote]

To the extent that they are speninding for the sake of travel points, yes.  But one of the rules to the game is that you never spend differently than how you would have.  Why does it matter if I use my Amex Gold card at Giant to buy 200 dollars in groceries  (4x points) or pay cash?[/quote]

Churning means you don't need to spend a lot on your CCs. I get a few CC's per year and the spend requirement for the bonus will be like $3000-6000 in 3-4 months. That's not a huge spend.

Sure maybe there are people who put $300,000 on their Amex each year and get a ton of points that way, but it's very possible to spend $1000-2000 per month and racks up hundreds of thousands of points each year be churning and getting bonuses.[/quote]

This is 100% correct. For me the game changer was switching my shopping to a portal that gives points instead of cash back. I wait for 15x days on Rakuten and buy what I was going to buy anyway. My next quarter payout is going to be about 50k points and that’s not from anything extra but from regular shopping. [/quote]

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