I’ve talked about how travel miles/points are like an additional portfolio that can supplement your FI portfolio.

Over the years, I’ve tracked how much value I’ve gotten from my miles/points, and here are my totals:

2019 $2,614

2020 $4,401

2021 $6,080

2022 $6,192

2023 $648

2024 $10,593

2025 $4,253

2026 $5,917

That’s over $5,000 per year in value!

Using FI math , that’s $127,175 that I didn’t have to have in my FI portfolio (at a 4% withdrawal rate).

How I Build Up My Other Portfolio

A few years ago, I showed you what’s in my FI portfolio (and how I manage it) .

Today, I want to share what’s in my wallet (and why).

My wallet hasn’t changed for many years now. That’s partly because I want to “simplify” rather than “optimize” these days.…