Quote:
Originally Posted by Danny
Just a matter of how much traveling and extra stuff we can do in retirement
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FWIW, if I could tell my younger self in planning to travel a lot during retirement, I'd say start with acquiring air & hotel points now with credit cards ... assuming you have the discipline not to misuse the credit cards.
Pick some zero annual fee cards and charge your regular household expenses, utilities, insurance, medical bills, apt rent etc. to them. There are some annual fee credit cards with "offset benefits/credits" that may be worth it if you travel some every year already.
Additionally, commit to specific ecosystems. You don't want to spread out your charges across too many different credit cards. Specifically for budget hotels, I think the IHG hotel system is great. For budget air travel, different airline alliances are stronger in one region than another. For Asia, SkyMiles is lacking.