Is it worth holding on to travel points or just use it? Got around 80k from Amex bonus

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Almost always makes sense to use the points before cash (due to inflation and companies devaluing points over time)

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Only time where it might make sense to use cash (in my opinion) is if you have a promotion that will fast track you to status faster if you buy with cash. Otherwise, I'd just use points first regardless of length of trip.

Plenty of discounted travel options this year… just hold off until 2022.

Hodl 💎✋

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