Vienna by Billy Joel.

A nice reminder that life is for living.

I can’t agree with this more.

Transferring points earned to airlines can also net you some incredible deals on flights as well. I’ve booked several tens of thousands of dollars on business/first class travel over the years at a fraction of the cost. With the addition of free hotel upgrades and car rental upgrades, you can use credit cards to your advantage.

The caveat is that it takes some amount of expendable income to play.