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Derivatives are not suitable for all investors and involve

the risk of losing more than the amount originally deposited in any profit you might have made.

This is not a recommendation or offer to buy, sell, or retain any specific investment or service.

Hey listeners, before we get into today's episode, we want to hear from you. What financial goals are

you setting for yourself in 2025? Whether it's paying off debt,

building an emergency fund, or saving for that dream home, share your plans with us. You could be

featured on an upcoming episode of your money briefing. Send us a voice note to YMB at WSJ.com or

212-416-3413.

And now on to the show.

Here's your money briefing for Tuesday, November 12th.

I'm J.R. Waylon for the Wall Street Journal.

Americans amassed more than $34 billion in travel rewards just last year.

But many people leave those points and miles unused because they're unsure of how to use all of them.

Travel experts say the first thing to consider is moving them out of your credit card account.

Oftentimes airlines will run incentives or deals where they'll give you an extra

bonus for transferring your points from, like, Chase or American Express to them.

And so that will make them go even further and will help you make those trips a reality much more easily.

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