Point Me To First Class

In a hobby full of rules, Avios prove to be an exception—and understanding how they work can unlock some of the best award flight opportunities available.
 
In this episode, I'm breaking down everything you need to know about Avios, the points currency used by British Airways, Qatar, Finnair, Iberia, Aer Lingus, and several other airlines. One crucial aspect of Avios that makes them unique among points currencies is their ability to move between partner accounts, which creates opportunities you won't find anywhere else.
 
Listen in as I walk through what makes Avios so versatile, how to earn them strategically, and how to use their transferability to access better award pricing. I also cover British Airways' Points Boost feature that lets you buy Avios at a fraction of the usual cost, and share practical tips on setting up accounts, avoiding surprise fees, and finding the best value for your award flights.
 
Whether you're brand new to Avios or looking to squeeze even more value from these programs, this episode will show you how to think strategically about one of the most powerful—and underutilized—points currencies in award travel.
 
Get full show notes and transcript: www.pointmetofirstclass.com/avios-guide-transfers-sweet-spots 
 
Want to shape the show? Take the Point Me To First Class listener survey and share what you love and want more of! 
 
Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy

If you've ever wondered what's the difference between just saving money versus creating wealth that actually matters, this conversation is for you.
 
In this episode, I'm joined by Lauren Oschman, founder of Vestia Personal Wealth Advisors, who grew up watching her interventional cardiologist father work incredibly hard while struggling to balance wealth building with being present at home. That experience shaped her entire approach to financial planning, which she now brings to nearly 600 physician families across the country. We're talking about how to identify what actually matters to you financially, the myths that keep high-earning women from taking control of their finances, and why you don't need to have your act together before working with a financial advisor.
 
Lauren and I discuss what financial advisors actually do beyond managing investments, the difference between saving money and strategically building wealth, and the biggest missed opportunities she sees among high earners. We get into practical strategies around tax planning over your lifetime, contract negotiation, and estate planning. We also talk about green flags and red flags when choosing a financial advisor and why dual physician households need different approaches to tax strategy. Whether you're just starting to think about wealth building or refining your financial strategy, this conversation offers insights and advice you can actually use.
 
Get full show notes and transcript: www.pointmetofirstclass.com/financial-planning-wealth-building-lauren-oschman
 
Want to shape the show? Take the Point Me To First Class listener survey and share what you love and want more of!
 
Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy

Have you ever wondered if earning points on your mortgage or rent is actually worth the math? Or whether a card that earns two times points on everything can really compete with what you're already holding?
Bilt just released three brand new credit cards, and they're more complex than any card launch I've seen in a while. This isn't just about welcome bonuses and bonus categories— there's an entirely new internal currency called Bilt Cash, along with processing fees to calculate, and real formulas you need to run to figure out if any of these cards make sense for your situation.
In this episode, I'm joined by Kelly, the Points and Miles Doc, to break down all three new Bilt cards: the no annual fee Bilt Blue, the $95 Bilt Obsidian, and the $495 Bilt Palladium. We analyze the welcome bonuses, points earning structures, and how each card compares to its closest competitors. We walk through the Bilt Cash system, explain exactly how much you'd need to spend to earn points on housing payments without paying fees, and discuss who these cards actually benefit. We also share why we both applied for the Bilt Palladium within hours of its release and what makes Bilt's transfer partners worth paying attention to.
Get full show notes and transcript: http://pointmetofirstclass.com/bilt-credit-cards-2026-analysis
Want to shape the show? Take the Point Me To First Class listener survey and share what you love and want more of!
Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy

Today we're picking up where we left off last week in our 2025 points recap. In this second part of our year-in-review series, Dr. Andrea Mabry and I continue to break down the travel we actually booked with all those points we earned in 2025. 
 
We're sharing the total value of travel we booked, our average redemption values, and the specific trips we planned—from family vacations to aspirational first class products. We also reveal what we've already booked for 2026, including trips worth over $300,000 combined.
 
Andrea and I each share how many points we used to book travel in 2025, what that travel was worth, and what we paid out of pocket in taxes and fees. We talk about booking business class for large groups from non-hub airports, navigating award space challenges and disappointments, and the airline products that delivered exceptional value versus the ones that fell flat. 
 
Listen in as we discuss the strategic decisions behind our redemptions and the lessons we're applying to future travel. Whether you're planning your first award trip or refining your approach to premium cabin bookings, this episode offers real numbers, honest takeaways, and strategies you can apply to your own travel.
 
Get full show notes and transcript: https://pointmetofirstclass.com/2025-points-redemptions-year-in-review-part-2/
 
Want to shape the show? Take the Point Me To First Class listener survey and share what you love and want more of! 
 
Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy

Do you ever wonder what cards other people have, how they use them, and exactly how many points they're earning each year? I'll be honest—I'm nosy when it comes to other people's points, and I love getting a peek inside someone else's points earning strategies.
In this first part of a two-part year-in-review series, I've invited Dr. Andrea Mabry back to the show to break down everything that shaped our points earning in 2025. This has become one of my favorite Point Me to First Class traditions, and this year marks the third installment of this annual series. We're pulling back the curtain on the credit cards we opened, the unexpected opportunities we seized, and the total number of points we earned across all our points ecosystems, from Chase and Amex to Capital One, Citi, and beyond.
Andrea and I each share our total points earned for the year, then break those numbers down by transferable versus airline-specific currencies, welcome bonuses versus organic spend, and the earning methods that delivered the most value. We talk about why this was an unusually busy year for new card acquisitions, what happened when an entire points program collapsed overnight, and what's on our radar for 2026. 
Whether you're mapping out your own points strategy or just curious how two points enthusiasts approach earning at scale, this conversation offers real numbers, honest reflections, and the lessons we're taking into the new year.
Get full show notes and transcript: www.pointmetofirstclass.com/2025-points-year-in-review-part-1 
Want to shape the show? Take the Point Me To First Class listener survey and share what you love and want more of!
Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy