PointChaser

What would it take for you to quit travel hacking?

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Ariana Arghandewal

Yesterday, I came across a tweet by Brian Sullivan about lottery winnings that got me thinking about travel hacking. After all, we do all of this insane stuff so we don’t have to pay $20,000 for a first class seat. Brian calculated the take-home of a $1.5b lottery win and the potential investment income it could generate.

What would you do if you won the lottery?

I’ve had the, “What would you do if you won the lottery?” conversation lots of times and it usually revolves around work. This time, I thought “Would I quit travel hacking if I won the lottery?” The answer was easy: No.

I’m a pretty frugal person and don’t really care about extravagance. Just comfort. If I won $1.5 billion Powerball, I definitely would not give up on manufactured spending. Sure, I like traveling in premium cabins and staying at nice hotels. But would I pay for all of that if I had the means? No.

Why I STILL wouldn’t pay for travel

Premium travel is insanely overpriced and there are starving kids in the world. I couldn’t, in good conscience, shell out a huge amount of cash on a short-lived experience. That’s why I’d keep subsidizing my travel with points and miles earned via gift card churning.

I’ve always been a hustler, looking for ways to get a deal on everything. As a kid, I haggled with the ice cream man, for crying out loud. I refuse to pay for anything full price. There has to be a discount of some sort for me to feel good about new purchases.

Paying to fly business class at full price? I don’t think I could ever do that, no matter how many lottery tickets I cash in.

Everyone needs a hobby

While I like hacking travel as much as anyone else, the main reason I’d jump back in line at Walmart is for the fun of it. Yes, I’ve complained about the things I hate about manufactured spending, but overall I love doing this. I get a rush out of buying thousands of dollars worth of gift cards and liquidating them.

Paying off big credit card balances accrued from those purchases? Thrilling. Keeping track of my manufactured spending activities? The perfect way to stay occupied when you’re an organizational freak.

I shared my thoughts on Twitter and fully expected to get negative feedback. To my surprise, several followers had the same answer: They would continue travel hacking if they had the financial means to pay for premium travel.

Final thoughts

All of this points and miles stuff can get frustrating and feel like work sometimes. But when it comes down to it, it’s a hobby. It’s fun, challenging, and keeps us all on our toes. That’s why I think I’ll always have my hand in the game to some degree.

Even after all the devaluations and shut-downs, I stick around. There are times when it’s frustrating and feels like a waste of time. But I still love it. And I can’t imagine many scenarios that would make me quit.

I’d like your thoughts on this: Would you give up travel hacking if you came across a financial windfall? What would it take for you to give up on this hobby?

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25 responses to “What would it take for you to quit travel hacking?”

  1. KARIM Avatar
    KARIM

    I would give it up for sure and concentrate on making good investments with my newfound wealth. That would generate a much better return than wasting my time MS’ing and reading blogs like this. Sorry Ariana

    Reply
    1. Ariana Arghandewal Avatar
      Ariana Arghandewal

      Lol! Appreciate the honesty. I would of course invest my money, but I still need a hobby to occupy my free time. And since I have it made in terms of an MS-friendly Walmart, I don’t think I could ever give it up.

      Reply
      1. KARIM Avatar
        KARIM

        How friendly is your Walmart? How much can you do a day? I used to have an unlimited Walmart but now they won’t let us doing anything at all.

        Reply
        1. Ariana Arghandewal Avatar
          Ariana Arghandewal

          Definitely not unlimited-friendly. They let me do $10k per day, but the policy recently changed to $8k. They know why I do this, so there’s never any weirdness about back-to-back visits.

          Reply
          1. KARIM Avatar
            KARIM

            If I still had a one stop Walmart, I would keep doing it. Please send me to them! LOL

          2. Lisa Kulpa Avatar
            Lisa Kulpa

            Do they check your ID for over 1,000 in MO’s?

          3. Ariana Arghandewal Avatar
            Ariana Arghandewal

            For $1,000 and up, yes.

  2. TAKHLIQ KHAN Avatar
    TAKHLIQ KHAN

    Absolutely yes but with the caveat. Jackpot has to be minimum of 10 million so that my take home lump sum is about 5 million. With that amount, i feel that i can generate enough investment income that can support my travel needs. One also has to keep in mind the return you get on paid premium travel. It can add up handsomely. Credit card churning for sign up bonuses would be the only thing i would do.

    Reply
    1. Ariana Arghandewal Avatar
      Ariana Arghandewal

      Makes sense. Though I don’t think I can ever justify paying $10k+ to fly first class if all I have to do is churn ~$30 – $150k worth of gift cards.

      Reply
  3. Saral Avatar
    Saral

    Ariana, I would probably give up points and miles hacking. But of course winning the lottery is a dream that most likely will not be fulfilled, so I will continue the points/miles game. I have been doing almost all the point/miles activities on your newbie guide EXCEPT manufactured spending. Of all the activities, taking surveys is for me the most tedious. Even though I got 26K airline miles and more than $300 in merchandise in ’18, I’d like to find an alternative that’s easier. Is there any way to do ms in a way that’s pretty simple and would generate only about 30-40K points per year? Looking forward to your reply, and meantime I’ll search the newbie guide for info on ms.

    Thanks for all the great info!
    Regards,
    Saral

    Reply
    1. Ariana Arghandewal Avatar
      Ariana Arghandewal

      I like Visa/Mastercard gift card churning. It’s pretty easy for me because I have a reliable WM store where I can liquidate them. Merchant gift card churning can be an easy way to MS around the holidays. There’s high demand for cheap gift cards and you might be able to do it without out of pocket costs. Retail arbitrage is another option.

      But if you’re not doing MS, just make sure you’re maximizing your daily spend with credit card category bonuses. Also, make sure you use Dining Rewards and Shopping Portals whenever possible. I rack up a substantial number of miles on my normal spending every year by utilizing these tools.

      Reply
  4. MileHighBug Avatar
    MileHighBug

    Like you Ariana I would not give up manufactured spend. It is too much fun! I don’t really have a need to do it now, but I still love it and I still do it.

    Reply
  5. JPGISBD Avatar
    JPGISBD

    I would focus my travel hacking on legitimate business spend to accumulate the miles and points I would use to make myself feel better about not paying full price. I think that would be a much bigger time ROI for me personally.

    Reply
    1. Ariana Arghandewal Avatar
      Ariana Arghandewal

      I hear ya. If you’ve got a business, there’s no better way to generate points and miles. But for me, I just enjoy the planning and tracking involved in gift card liquidation. It’s a weird addiction I don’t think I can ever kick. Unless WM stops selling money orders.

      Reply
  6. Saral Avatar
    Saral

    Thanks Ariana. Right now I’m earning 5 AA miles per dollar in several categories with my Citi gold card. I’m also doing Dining for Miles and online shopping. Perhaps I’ll try manufactured spending at some point also. Thanks for the advice!

    Reply
  7. scott Avatar
    scott

    I would not stop earning and redeeming miles if I won the lottery. Those first class fares are outrageous. I stopped doing the gift card/Walmart route about a year ago, and I don’t miss it. I didn’t like the stress and some of the banks are keeping a closer watch on your spending habits. But I’ve still been earning a ton of miles even without MS. I earned about a million last year. Since I got into this game in late 2013 my wife and I have taken 75 free round trip flights. If I won the lottery we would probably travel full time for a few years.

    Reply
    1. Ariana Arghandewal Avatar
      Ariana Arghandewal

      That’s awesome Scott! As annoyed as I get with WM, I can’t quit. I like my cashiers and I always get a thrill out of liquidating all those cards. Though I gotta say, seeing points post from credit card bonuses comes pretty close to it.

      Reply
  8. Julian Avatar
    Julian

    I would need to stop travel hacking unfortunately, because I’d be flying private from then on.

    Also, you might be the only billionaire to set foot in a Walmart

    But in all honesty, I love this game and it really is a hobby. It’s been sad seeing it decay over the last few years and every time I lazily use UR points through my Reserve I shed a tear for the good old times.

    Reply
    1. Ariana Arghandewal Avatar
      Ariana Arghandewal

      Lol! Way to think big, Julian. Those UR redemptions can be pretty awesome sometimes – in some cases, better than transferring to an airline or hotel program.

      Reply
  9. brian Avatar
    brian

    To each their own. No way I would continue doing this. In that scenario, it’s 16M a year, every year with no loss in principal. There are also bond funds that are free from state tax, or you could legally reside in a state with no income tax to increase it. You could donate 75% of that and still travel comfortably for 6 months out of the year. Paying for it all also pads your account balances in each mode, elite status, etc., so after a few trips, you can start redeeming.

    Reply
    1. Katye Avatar
      Katye

      When you have that kind of money, time will be the only thing you can’t buy. Definitely not spending it in Walmart.

      Reply
      1. Ariana Arghandewal Avatar
        Ariana Arghandewal

        But if you don’t have to spend your time working, you can focus on your hobbies.

        Reply
  10. Chraina Avatar
    Chraina

    I’m with you all the way. I have actually become more financially secure than I ever thought I’d be and sometimes feel a twinge of embarrassment that I’m still into this in a major way. But I get a rush out of it.
    P.S. not to say that I am a billionaire or close to it but I don’t think they fly commercial anyway

    Reply
    1. Ariana Arghandewal Avatar
      Ariana Arghandewal

      Lol! Very true. I don’t think I can ever stop – it started out about trying to save money and now it’s the thrill of the game. Btw this is how the wealthy hold on to their wealth – don’t spend it. 🙂

      Reply
  11. Parts Unknown Avatar
    Parts Unknown

    With $1.5b you buy a private plane.

    Reply

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