The Points Playbook

675,000 points. Myrtle Beach. Seattle. Chicago. All this year. All on points.

That is not a lucky break. That is a system. And this is it.

The Points Playbook is a 7-tab Excel tracker that runs the entire operation — which card to use for every spending category based on the cards you personally own, how much your annual fees are actually costing you after benefits, when your welcome bonuses expire, and how many months until you can book your next free trip.

The 7 tabs:

— Dashboard: your complete points system at a glance — total points, active cards, bonus alerts, payments due this week, and a fully dynamic card recommendation engine that tells you which card in your wallet earns the most for every major spending category

— Card Stack: every card you own, your points balance, annual fee, payment due date, effective annual fee, and multiplier columns for 8 spending categories — the engine that powers the Dashboard

— Benefits Tracker: 32 pre-loaded benefits across 5 cards with a live effective annual fee calculator — mark a benefit as used and watch your real annual fee drop in real time

— Bonus Countdown: track every welcome bonus deadline with a live countdown and automatic status flags — never miss a payout again

— Trip Calculator: enter a destination, number of travelers, and estimated costs — the tracker shows you how many points you need and how many months of earning at your current rate until you can book it

— Spending Audit: enter last month's spending by category and find out exactly how many points you left on the table by using the wrong card — most families find over 1,000 points per month in wasted earnings

— Application Log: your complete card history with a live 5/24 counter — never violate the most important rule in credit card rewards again

Also included: A full Loom walkthrough video — watch me set up the entire Playbook from scratch, enter cards, and watch the Dashboard update in real time. You'll know exactly what to do before you open the file.

This Playbook is for: Families who are done leaving free travel on the table and want one system that tracks everything, tells them what to do, and gets out of the way.

This Playbook is not for: People looking for a blog post. This is a tool. You put your cards in and it works. If you're not ready to use it, wait until you are.

One last thing: every person who purchases gets all future updates at no cost. When cards change their benefits or I add new features — and I do both regularly — you get the updated file automatically.