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Rising Star
If you're not racking up points through SUBs, you're doing it wrong.
I earn 65k points/year just off my rent alone (Bilt card). Currently sitting at about 4 million points across everything (Bonvoy, Hilton, United, Bilt, Chase, Amex)
I am. Spent about 1.5m on our honeymoon recently, and about to book trips to Seychelles and Fiji
Assuming you can pay off the balance monthly, use reward credit cards for every purchase you possibly can.
I have earned 15,000 this year but I haven't been traveling and using my cc's as much lately. 3,000 does sound low