Travel Hacking and Slow Travel

Travel Hacking and Slow Travel

I just returned from a two-week trip around Europe, during which my wife and I visited Ireland, England, Scotland, and Portugal, stayed in 5-star hotels, and enjoyed VIP treatment in airport lounges.

Did I lose my mind and decide to blow all of my FI savings on one extravagant trip? No, not in the slightest. The trip actually didn’t cost much more than it costs to visit my family in Pittsburgh.

How is that possible? Two words…Travel Hacking.

Travel Hacking

Travel hacking is a term used to describe the use of miles, points, credit cards, elite status, loyalty programs, and other strategies to travel the world as cheaply and comfortably as possible.

Today I’m going to focus on one of the most important and most lucrative aspects of travel hacking: credit cards.

Credit Cards

Credit cards generate massive profits for the companies that issue them so financial institutions, especially those in America, do everything they can to attract new cardholders. This means they will often offer thousands of dollars worth of airline miles just for filling out a 15-minute application. Since we don’t have to use our credit for ridiculous things like car loans, we can accept these free gifts and use them for incredible experiences.

Card Strategy

If you want to learn the strategy I’ve used over the years to obtain the maximum amount of miles/points in the cheapest and most efficient way possible, sign up to the Mad Fientist email list and Travel Card series by entering your details below:

The Travel Card series consists of an email once every ~6 months that contains the following:

  • Which card I’d recommend you apply for at that particular time
  • The reasoning behind the card recommendation
  • Alerts for limited-time signup bonuses and special offers


While travel credit cards and their associated signup bonuses can be very valuable, do not apply for a credit card if you don’t think you’ll be able to pay off the balance in full every month.

My Trip

To see how much value miles, points, and travel credit cards can actually provide, let’s use my recent trip as a case study.


To get to Ireland, I used a little-known sweet spot in the British Airways program to get a roundtrip ticket from Boston to Dublin for only 25,000 Avios miles and $121.19 in taxes and fees. Normally, transatlantic flights cost upwards of 50,000 miles so 25,000 miles is an absolute steal.

To avoid the surcharges that normally accompany British Airways redemptions, I booked our flights on the Irish airline, Aer Lingus. Had I booked the flight on British Airways, it would have cost 49,000 miles and over $650 in taxes, per ticket.

Aer Lingus flights don’t show up on so to book them, I had to call the call center to get an agent to do it for me (since I wasn’t able to book it on the website, I got the agent to waive the $25 phone-booking fee).

Our ultimate destination was Glasgow, to visit my wife’s family, so we needed to find a way to get from Dublin to Glasgow. Before going to Glasgow though, we wanted to stop in London for a few days to visit my sister, who is studying abroad there. We could have paid for a couple of one-way tickets to do this but why pay when you can use miles? Again, we decided to tap into our British Airways Avios balance to get to London and then to Glasgow.

Thanks to a generous stopover rule for intra-European flights, we were able to book a free stopover in London on our one-way award ticket to Glasgow. So for only 4,500 BA Avios miles and $22.50 in taxes and fees each, we were able to fly from Dublin to London, stay there for two nights, and then fly from London to Glasgow. Incredible value!


In London, we decided to tap into our Club Carlson balance to book two nights at the 5-star Radisson Blu Edwardian in Leicester Square. Thanks to a valuable perk of having the Club Carlson Business Visa, I was able to book two nights for the price of one so for 50,000 Club Carlson points and $0 cash, we were able to stay two nights in a magnificent 5* hotel right in the heart of London!


I’ll stop there because I’m sure you don’t want to hear all about our trip but I just want to recap how much value we were able to extract from miles and points.

Two round-trip flights from Boston to Dublin

Total Miles Used: 50,000
Total Cash Paid: $242.38
Total Money Saved: $1,450

Two one-way tickets from Dublin to Glasgow (with a stopover in London)

Total Miles Used: 9,000
Total Cash Paid: $45
Total Money Saved: $335

Two nights in 5* London hotel

Total Points Used: 50,000
Total Cash Paid: $0
Actual Cost of Room: $974
Total Money Saved: $240 (we wouldn’t have paid $974 to stay in a 5* hotel)

So thanks to free miles and points we earned through credit cards, we were able to book a round-trip flight from the U.S. to Europe, a flight from Dublin to London, a flight from London to Glasgow, and two nights in a 5* London hotel for less than $150 each (a savings of over $2,000)!

Slow Travel

What does this all have to do with financial independence? Quite a lot actually, especially for my wife and I who plan to utilize geographical arbitrage to stretch our savings after FI.

Although it’s fun to stay in a nice hotel every once in a while, it’s not the type of thing we normally do when we travel or plan to do after FI. As I described in The Perfect Life post, we plan to travel to somewhere that is very cheap and interesting (e.g. Thailand, South America, etc.), rent an apartment in a non-touristy part of town, learn the local language, and enjoy life as pseudo-locals. This type of “slow travel” will actually allow us to have lower expenses than we would if we lived in the States full time.

Even though slow travel is cheaper and more efficient than other types of travel, we’ll still need to get to these interesting and faraway places, so that is where travel hacking comes in. We’ll be able to live in cheaper places for the majority of the year and then use miles and points to cheaply travel back home to visit our families and friends.

Travel Hacking Resources

There are some great resources out there that you can check out if you are interested in exploring travel hacking further. I must warn you though, once you dive into this, it’s very easy to get obsessed with it. You should see all the spreadsheets I have to keep track of all my balances, which credit cards I’m going to apply for, how much value I’ve received from the various types of points, etc. It’s a very fun hobby though and one that actually saves you money.


There are two forums, FlyerTalk and Milepoint, that have everything you’d ever need to know about travel hacking.


The amount of information on the forums can be very overwhelming though so if you’d like distilled articles about some of the best credit cards and strategies, there are also many good blogs out there to read.

My favorite is TravelIsFree is an excellent resource for finding ways to extract the most value possible out of the points and miles you have. is good for learning about travel deals and mile-earning opportunities. The posts offer very clear instructions on how to take advantage of the various opportunities so it’s especially good for people who may be new to the game. is also a great blog that will help you stay up-to-date with the latest travel news and offers.

Finally, is a great place to read about how amazing slow travel can be.


When deciding which credit cards to sign up for, I actually use a tool that I created myself – Mad Travel Cards. This application allows you to pick which programs you want to accumulate miles/points in and then it displays the most lucrative cards for the selected programs. It even converts flexible points into the points of the programs that you selected! is a great place to keep track of your point balances and expiry dates. It’s similar to in that it logs into your accounts automatically and keeps track of your balances.

As you can see, there are a lot of great resources out there so I definitely recommend you visit some of the sites listed above if you expect to do any serious travelling in the future.

Related Post

Want to Retire Earlier?

  1. Sign up for a free Personal Capital account to start tracking your net worth, monthly spending, etc.
  2. Enter those numbers into the FI Laboratory and begin charting your progress to financial independence
  3. Download the spreadsheet I used on my own journey to FI to determine which expenses are delaying your progress the most
  4. Reduce or eliminate those expenses to achieve financial independence even sooner!

40 comments for “Travel Hacking and Slow Travel

  1. Jeff
    July 1, 2013 at 11:47 am

    Sounds like it was a fun trip, and quite a bargain as well. My wife used to receive great travel benefits as an employee and then retiree of Mexicana Airlines before it stopped flying. Our costs have essentially doubled since. I think I need to check out these points systems and see if they would work for us. Enjoyed your article as usual and looking forward to more podcasts.

    • The Mad Fientist
      July 1, 2013 at 2:14 pm

      Thanks, Jeff. I know some good ways to get to Central/South America but I’m not very familiar with Mexican airlines so sadly I won’t be able to offer you much help on that front. Please let me know if you find anything interesting though because, as you know, I too would like to spend some time down in Mexico after FI!

  2. arebelspy
    July 1, 2013 at 1:36 pm

    Reagrding Google Reader shutting down, you aren’t shutting off your RSS feed, right? That is, if I access it through another RSS program/service I’ll still be able to do so?

    • The Mad Fientist
      July 1, 2013 at 2:17 pm

      No, I’m not changing anything so you should be fine if you use another RSS reader.

  3. July 1, 2013 at 6:25 pm

    Welcome back! Glad to hear you had a great trip and good to have you posting again.

    This post sent me to my wife asking about our accumulated miles and point.

    We have two summer trips planned: a couple of weeks at the in-laws beach house in Wisconsin and then on to South America for 5-6 weeks.

    Alas, she tells me we have already burned thru ours in Europe earlier in the year.

    One of the unexpected benefits of becoming renters is that we have now set up rent payments automatically thru our rewards card. A whole new set of fixed costs now earning points.

    This modern world is pretty amazing….

    • The Mad Fientist
      July 1, 2013 at 9:24 pm

      Thanks, Jim! I’d like to say it’s good to be back but, as you probably noticed, it’s been raining every day since we landed last week.

      That’s amazing you’re able to pay your rent with a credit card. A lot of people in the travel-hacking community use their credit cards to buy prepaid cards and then use those prepaid cards to pay their mortgages but that seems like a lot of work for not a lot of gain. To be able to just set up an automatic payment for your rent is definitely a great perk of renting and one that should hopefully help replenish your mile/point balances quickly.

      • July 1, 2013 at 10:36 pm

        I’m still a bit amazed myself. Most companies hate to have you charge big ticket items because of the fees they have to pay. I keep thinking there’s some hidden fee I’ve just not found.

        So far, so good!

  4. d
    July 1, 2013 at 10:10 pm

    I’m taking a 2.5-week, 3-city trip to Europe this summer for my 10th anniversary/the honeymoon we never had, and the flights are all thanks to credit card sign-ups! It was a lot of work with all the spreadsheets and trying to figure out how to hit minimum spend requirements, but I’m sure the trip will be well worth it. When it came time to book the tickets, I used Mile Value’s award booking service. I hate to spend money on things I feel like I should be able to figure out myself, but I sure didn’t want to get it wrong and have all those points go to waste. One other travel hacking blog I really like is Frequent Miler.

    How was Portugal? That’s one of the places I will be visiting.

    • The Mad Fientist
      July 2, 2013 at 5:39 pm

      Nice! What cards did you end up getting for the trip?

      I haven’t used MileValue’s booking service before but as I said in the post, he seems to know the best ways to maximize points so I imagine he did a good job. Are you happy with how everything went?

      I’m a big fan of Frequent Miler as well. I’m actually thinking about booking an American Airlines Explorer Award next year so I’m trying to figure out how to boost my AA balance. I may need to just get the AA credit card and then use some of Frequent Miler’s strategies to manufacture spend.

      Since you’re a fellow travel hacker, do you have any feedback on I haven’t shown the site to many people yet so I’d be very interested to hear what you think about it. I may try to monetize it eventually but I want to make sure it’s useful before I put any serious effort into it.

      Portugal was great! We rented a small villa near the town of Olhão, in the Algarve. It wasn’t very touristy, which we loved, and it had a great local market where we bought all our fish and vegetables every morning. The weather was also perfect while we were there so we had a great time. Where will you be going in Portugal?

      • d
        July 2, 2013 at 9:27 pm

        We’re going to Lisbon for a few days. We have a few online acquaintances there, so we’re hoping for at least one tour from a local. The airbnb rental looks fantastic. I’m so stoked!

        MileValue was great. He got back with me in a timely manner and explained his concerns with my proposed itinerary and suggested alternative routes, should it come to that. It turned out that he was able to get the route booked after all. It was quick, easy, and straight-forward.

        The cards I ended up getting were two Ink Bolds (one for me, one for my husband), a United card, and the Club Carlson card. To be honest, making the plans, getting the cards, manufacturing the spend, keeping track of it all… ugh, it was enough for me to do it the once! My travel hacking days may be done, or at least scaled way, way back for now. I am glad I learned about it, though. It’s a good “skill” to have. I always enjoy hacking the system.

        TravelerPlastic looks nice! I have only just played with it a little bit. I imagine you had to create and update your dataset yourself. That’s a fair bit of work! Are you able to use affiliate links so that you get a bit of a kickback? My only criticism is that it’s a bit slow on the filtering calls. Maybe user a quicker filtering script or display a loading message as it is working to get the data?

        • The Mad Fientist
          July 2, 2013 at 10:44 pm

          I’ve been to southern Portugal a few times but I’ve never been to Lisbon. It looks amazing though so hopefully I’ll make it there one day.

          I’m glad you had a good experience with MileValue. I actually contacted him (Scott, the owner) to ask him something about and he was kind enough to respond with some helpful information.

          Thanks a lot for your feedback on Traveler Plastic. I did have to populate the database with all the cards and I do update it myself so it has been quite a bit of work. Luckily, the cards don’t change too often and when they do, it’s usually just the signup bonus that changes.

          Currently, there aren’t any affiliate links on the site but if I can get accepted into the credit card affiliate programs, that’d probably be the best way to monetize it. The credit card affiliate programs are notoriously difficult to get into though so that may not be an option.

          You’re absolutely right that it’s a bit slow to load after filtering and the lack of a progress indicator makes it feel even slower. I’ve added a note to my to-do list so that I’ll add a progress indicator and will try to speed the filtering up next time I dive into the code.

          Thanks again for the feedback and have a great time on your trip! Let me know what you think of Lisbon after you get back!

        • The Mad Fientist
          July 7, 2013 at 10:07 pm

          Hey d, I added a progress indicator to Traveler Plastic and optimized the code a bit to speed up the filtering so thank you again for the suggestions!

  5. July 4, 2013 at 1:32 am

    Sounds like a nice trip.

    We use a similar credit card churning strategy to rack up the points. We used them to get a private room on a 5-day cross country Amtrak train last August from San Francisco to Boston. Amtrak rooms are a particularly good bargain for using points.

    If anyone’s considered travelling by train in the US they should definitely look into figuring out the points/miles programs. It takes a little research but it’s worth it.

    Speaking of saving money via slow travel, have you ever checked out the prices on trans-atlantic cruises? They’re comparable to the cost of a flight but come with about 3 weeks of free food and entertainment, plus a couple of stops along the way for sight-seeing. I’m looking forward to giving those a try in a few years.

    • July 4, 2013 at 9:58 am

      Hey Mike…

      Last year in Ecuador I met a couple taking a year off to explore options.

      one of the things they had planned for this past April was a trans-atlantic cruise. Seems at that time of year the cruise ship companies move ships over for the summer season in the Europe. And they offer rock bottom prices.

      Crossing takes about two weeks and cost about $350, as I recall. As you point out, including free food. I don’t know about entertainment.

      Very cool option for those whose schedule can fit.

    • The Mad Fientist
      July 4, 2013 at 11:28 am

      Mike, great point about Amtrak.

      I’m really looking forward having the time to take advantage of things like transatlantic cruises and cross-country train trips. Your train journey sounds like it was a great time and the fact that you used points no doubt made it even better. The longest train trip I’ve ever taken was when I was living in China; we took a train from Northwest China to Lhasa, Tibet and it was an incredible journey. As you said in your post, trains are a great way to travel long distances so a cross-country train trip sound like it’d be a great thing to try to do someday.

      As I read your comment, I wondered where I had heard about cheap transatlantic cruises before. I’m glad Jim commented because that reminded me that he was the person who told me about them! I bet the tickets are even cheaper these days, considering how much bad press cruise liners have gotten recently.

    • _C_
      July 29, 2013 at 12:21 pm

      There is actually a really good article in the August 2013 Trains issue about hacking the Amtrak rewards system.

      Basically, there is a limit to the points you can buy unless you are in the top tier. This isn’t a big problem for most people, but if you want to do a big trip like mikeBOS did, then it can be worth it to get into the top tier just so you can buy points to exchange for travel. The author saved about 50% on a CHI-SEA trip (Empire builder??) during peak season.

      The big loophole is that you get a minimum of 100 points per trip, no matter how (few) miles the trip is. So, for DC residents you can ride from King St to Union Station, New Carrolton to Union, and get into the highest tier for a whole lot less money. But using this strategy only makes sense if you live in an area where you can do short trips (i.e. a big eastern city, more than likely), enjoy lots of train rides, and plan on some big train trips.

      • The Mad Fientist
        July 29, 2013 at 1:09 pm

        Thanks a lot for the tips, _C_. I haven’t really looked into the Amtrak rewards program but I imagine when I have more time after FI, train travel will definitely be something I’d like to do more of so this is good information to know.

        • _C_
          March 4, 2014 at 12:44 pm

          Circling back around on this one again — for anyone looking into train travel, I’ve found a couple of decent offers to use on Amtrak — the Amtrak card (15K bonus on $500 spend) and the Chase Sapphire Preferred card (40K chase points, 3K in 3 month spend). The Chase points transfer 1-1 to Amtrak. With these two bonus offers, you could do quite the trip. Amtrak rewards are booked on zones based on where you embark/disembark.

          The biggest thing to keep in mind is that when you transfer, that resets the clock. But for me, I’ve book an upcoming trip using just these points. WAS-CHI for 20K points, then CHI-PDX for another 20K points. A roomette both times. I think it is funny that these “cost” the same, even though one is 2.5 times as long as the other.

          I think my above mentioned strategy, buying your way into cheap points, only makes sense if you are on the train quite a bit to begin with. If I travelled to NYC from WAS quite a bit, or had regular trips on Amtrak, then maybe doing the short route scheme would make sense. But I think that normal points churning is the best way for most people, especially as long as the Chase points transfer 1-1.

  6. July 6, 2013 at 12:59 pm

    Great thinking! My wife and I visit India every few years in the first class by charging our hotel spend on the AMEX business card.

    • The Mad Fientist
      July 6, 2013 at 1:26 pm

      Using miles for premium-cabin travel is one of the best ways to extract the most value out of your miles while experiencing something you probably wouldn’t ever pay for.

      I’m jealous of business owners who can rack up a bunch of business spending on their credit cards because it must result in quite a lot of points. I’m glad to hear you are putting your business spending to good use!

  7. Jessica
    July 31, 2013 at 12:26 pm

    Thank you so so so much for this! I live in Boston and seeing the 25k Boston to Dublin deal made me flip out, I was so happy to read about that. I lived in London for a while so I have been planning to go back some time and now it definitely seems much more feasible with such a low miles cost. I had a question about your stopover. I’m new to travel hacking, but just wondering how you went about booking that and is there a maximum amount of days it can be a stopover as opposed to just tacking another city onto your trip?

    • The Mad Fientist
      July 31, 2013 at 8:27 pm

      Hi Jessica, I’m glad you’re going to be able to utilize that amazing sweet spot in the BA award chart! It is such a good deal.

      To get the Boston to Dublin ticket, you’ll have to call up BA and ask them to book you on the Aer Lingus flight (this should cost 25,000 miles and ~$125 in taxes, roundtrip).

      To get the other flight from Dublin to somewhere else in Europe, with a stopover in London, you can actually book that on After you sign in to the Executive Club, click the Book Flights with Avios link, and select where you want to go and on what dates, it will bring you to a screen that asks if you want to add a stopover in London. There aren’t any limits or anything so feel free to stay as long as you want to in London.

      Let me know if you end up booking it!

  8. Heath
    August 24, 2013 at 12:05 pm

    Hello Mad Fientist,
    Thank you for breaking down not only the trick for booking this, but also how you obtained the miles. Wondering how you paid for Glasgow back to Dublin? I scanned through twice, but I apologize if I missed that part.

    • The Mad Fientist
      August 26, 2013 at 6:31 pm

      Hey Heath, I just used 4,500 BA miles and paid $22.50 in taxes, per ticket, to get my wife and I from Glasgow back to Dublin. It was similar to the Dublin to Glasgow flight I described in the post but I didn’t include a stopover in London on the way back (we just had a short layover instead).

  9. Krissie
    August 29, 2013 at 5:31 pm

    I found out about you through your interview with Million Mile Secrets. I have loved reading all your posts and listening to all your podcasts. Through you, I found out about Jim Collins and Mr.Mustache. I just finished reading Jims whole stock series which was AMAZING and so informative. I feel completely empowered and inspired. I only wish you, Jim, and Mr.M would write and podcast MORE. Your math skills are mind boggling good. I thought I was good at math, HA! Thanks again for taking the time and putting all this great information out there. I look forward to more, Krissie

    • The Mad Fientist
      August 29, 2013 at 8:27 pm

      That’s great to hear you found Jim Collins and Mr. Money Mustache through my site! Those two kind guys have sent so many people my way so I’m happy to hear I’m starting to repay them!

      I agree Jim’s stock series is incredibly informative. It’s actually the reason I don’t really write much about stock investing here because there’s not much left to say. Anytime someone asks a question about investing in stocks, I just point them to Jim’s site.

      Thank you very much for such a nice comment and I look forward to hearing from you again soon!

  10. November 26, 2013 at 10:27 am

    Great resources for travel hacking. I have to look into it as I see many benefits with cost saving measures.

  11. CatalanStudent
    December 1, 2013 at 11:55 pm

    Hi Mad,

    I’m a student from Spain (Barcelona) doing my PhD in Rochester, NY. Any recommendations on how to lower the costs of traveling to visit family?

    I have found your post very fascinating! I have been accumulating miles with Delta, but did nothing with them yet… I will have to get to that!


    • The Mad Fientist
      December 2, 2013 at 8:20 pm

      Hey CS, one of the best ways to get to Spain from the East Coast is to book a flight on Iberia using British Airways miles. You can fly from NYC to Barcelona for 40,000 Avios miles, roundtrip.

      Sadly, Delta miles aren’t great for transatlantic travel but I’m sure you’ll be able to find another use for them. In the future though, you may want to try to accumulate a different airline’s miles so that you have more options when you eventually use them.

      I still haven’t been to Barcelona yet but it is on the top of my list for when we move back to Scotland. Do you plan on moving back there after you get your PhD?

      • CatalanStudent
        December 2, 2013 at 11:47 pm

        Hi Mad,

        Thanks for the quick reply and tips!

        I just checked my points and I have 20,855 miles with US Airways and 13,126 with Delta Skymiles. Is that much? Are the US Airways miles are useful for British Airways?

        I also have to book flights to come back after Christmas, any hint on a Credit Card of an airline that would be helpful and worth paying for the fee if needed to book 2/3 round trip flights to Europe a year? As I do travel quite a bit, I have to start digging into the travel hacking!

        After finishing the PhD the plan is to work for a while in the US but go back to Catalonia afterwards, it would be great to grow the stash while over here, which seems much easier than doing it in Spain :) When are you moving back to Scotland?

        • The Mad Fientist
          December 3, 2013 at 5:45 pm

          USAirways miles are more valuable than Delta miles but sadly you can’t use them for the Iberia flights. USAirways does have some off-peak awards to Europe for 35,000 miles (roundtrip) though, so you could look into those once you increase you balance a bit.

          As a student, you may struggle to qualify for some of the best credit card signup bonuses but if you wanted to try to increase your USAirways balance, you could try to get the USAirways Dividend Miles Mastercard.

          We’ll be heading back to Scotland at the end of next year but we won’t really be settling down there again for a bit, since we plan on traveling and living in Thailand for a while first.

          Good luck and let me know how the travel planning works out!

          • CatalanStudent
            December 7, 2013 at 10:15 am

            Thanks for the advice, I will keep you posted!

            It has to be interesting to live in Thailand for a while :D

          • The Mad Fientist
            December 7, 2013 at 1:01 pm

            I haven’t done it yet but I’ll let you know what it’s like once I get there :)

  12. CatalanStudent
    December 2, 2013 at 11:49 pm


    Total available miles for Delta it says 38,875, and Medallion Qualification Miles (MQMs) current YTD 13,126. They really like to make it confusing :)

  13. Jolly+Josh
    February 4, 2015 at 11:51 am

    Hey, new reader here. My wife and I are planning a trip to Italy in a year or two. I have been reading up on travel hacking and trying to figure this out but the bulk of info is quite confusing.

    Basically we need round trip tickets to Italy(We want to go to the Tuscany Region), I have access to a five start resort in Portofino, Italy for only $100 for the week through my fathers timeshare.

    We are open to dates in the future and are going to save up for our trip. We are recently married and a one income family and I have student loans im paying back so this is more of a save up points to use in a year or two type post.

    Basically, any guidance on the type of card to get to accumulate points for our destination would be extremely helpful. I think we could meet the $5k spending requirements in 3 months if needed with bills and groceries alone.

    I am in the southeast U.S. and would likely fly out of Nashville Airport, Atlanta Airport, or Birmingham, AL Airport.

  14. Ruth
    February 8, 2016 at 9:01 pm

    Totally overwhelmed and brand new to this idea – i bookmarked all the sites above but nowhere could I find a basic beginner “How to” blog or information. Suggestions?

  15. Ruth
    February 10, 2016 at 10:49 pm

    OMG!! This is EXACTLY what I was looking for!!! TY!!!! Can’t wait to try it and I meet all the requirements – excellent with not overspending, paying on time, and flexible with travel :)

  16. July 2, 2017 at 5:52 pm

    Hello Mad Fientist!
    Great job creating this website and all the resources. I am starting my own journey to FI and greatly appreciate all the tools you have created here.

  17. Craig
    July 11, 2017 at 5:04 pm

    Question…do you not worry about all that inquiries done on credit checks for all the credit cards? Also, do you keep the credit cards and rotate the use to build points back up to use again?

Leave a Reply

Your email address will not be published. Required fields are marked *

FI Laboratory

FI Laboratory

Join over 77,000 others on the Mad Fientist email list and start tracking your progress in the FI Laboratory!

Zero spam. Unsubscribe at any time. Powered by ConvertKit

FI Spreadsheet

FI Spreadsheet

Join over 77,000 others on the Mad Fientist email list and get instant access to my FI Spreadsheet!

Zero spam. Unsubscribe at any time. Powered by ConvertKit

Join the List

FI Spreadsheet

Join over 77,000 others on the Mad Fientist email list to get access to exclusive content and software!

Zero spam. Unsubscribe at any time. Powered by ConvertKit