Miguel (caller)

Miguel, a caller with firsthand experience of paying off his credit cards monthly, explores the balance between using cards for travel rewards and potential pitfalls. He discusses his concerns about impulsive spending linked to credit cards and reflects on the real cost of earning rewards. Dave challenges him to consider whether the extra spending for points is worth it. Rachel raises moral objections, emphasizing cash budgeting over rewards. They propose an experiment using debit to manage spending better, with an invitation for follow-up.