Loyalty points, managed like capital
Master the math,
book the dream.
Apply the discipline you use on budgets and portfolios to your airline miles and hotel points. Price every redemption before you book, and fly the cabin you used to only look at.
The method
The VER System™
Most people work backwards: they swipe cards blindly, then try to spend whatever they have collected. The investor starts from the destination.
Price the target
Define the trip, then price it in points and in cash. Know the floor, baseline and ceiling value of every currency you hold, and check it again before you book.
Build the engine
Collect the currencies that reach that target, with a transferable core for flexibility. Valuable points, not just more points.
Execute with precision
Spend points when they return more than cash, and pay cash when they don't. Transfer only when the award space is there.
Same spending, different returns
Eight times the value from the same card spend
| Approach | Annual spend | Value per year | Return |
|---|---|---|---|
| Casual earner, no strategy | $50,000 | $800 | 1.6% |
| Strategic investor, VER System™ | $50,000 | $6,500 | 13% |
Example from the book. Results depend on your cards, spending and travel; figures are illustrative.
The book
The Points Investor
The full operating system: the investment thesis behind points, the VER System™, portfolio builds for different travelers, and the redemption playbook. Written for finance executives, consultants and anyone who already manages a P&L.
The calculators and tools printed in the book will be live on this site at launch.
November 17, 2026
PAPERBACK ON AMAZON · EBOOK TO FOLLOW
Starting this October
The Points Trip Challenge
One real, verified points trip each week: the target, the currencies used, the price in points and in cash, and what each point was worth. Follow along on Instagram and TikTok, or get each trip by email.