Redeem miles for gift cards and each is worth ~1 cent; redeem for long-haul business and they're worth 2.5-4+. With programs now dynamically priced, the one check that decides every redemption.—
Long-term vs short-term financial goals (and how to plan both)
Short-term goals (under ~3 years) belong in safe cash; long-term goals (5+ years) can take market risk. The best HYSAs now pay ~4-5% APY. How to sort yours and run both.—
Should you buy a house now or wait? How to actually decide
Mortgages near 6.5%, home prices flat, and the Fed split on rate cuts vs hikes. With timing a coin flip, the 3 questions that actually decide whether to buy now or wait.—