Family points strategy · No fluff, just the math
Three comparisons, worked out in full — sign-up bonuses, transfer ratios, and what a two-player household actually nets after annual fees. Pick a route below.
Why this site exists
Most points content is written for one person with one wallet. We're a family of five running two players, one shared points pool, and a spreadsheet that actually gets checked. Every comparison here shows the real numbers for a household doing this together — not the best-case solo scenario.
Two-player system
Ryan and Nicole each hold their own cards to stack sign-up and referral bonuses, then pool everything into one family redemption strategy.
Data-first
Every comparison lands on a specific cents-per-point value and a real annual-fee breakeven — not "this card is great for travel."
Weekly
New comparisons post alongside the YouTube channel — same research, written up for reference and skimming later.
One email a week. The breakdown, the spreadsheet link, no upsells.
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