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David has this whole philosophy about credit card points. Stupid. Why? He doesn't want to spend a single— he's never spent a single— never used a single point. And he has this theory that one day in the future, if he ever becomes broke in any capacity, the po…
Oh, I don't know about that.
You should definitely use your points. And you know what? And then because he was he's always been wealthier than me. I always like took on his financial philosophies. Yeah. Now I've learned to obviously not do that because they're terrible.
Yeah.
And I never touched this. Now this year I just started using my own credit card points and I was like, oh my God, this is amazing. Like, you should get free stuff.
Yeah. Naveen's taught me to like really like tighten my belt.
Yeah.