Only 3% of American workers have a pension. If you're one of them, you might be making a costly mistake in your FI calculations. This mashup episode covers everything from snagging hotel rooms with points during Taylor Swift concerts to the hidden lifetime cost of car ownership, but the pension question reveals a simple math adjustment that could shift your FI date by years. [00:00:12] Introduction to Travel Rewards Brad welcomes Ginger from FI is Fun for a roundup covering multiple listener questions and hot topics. [00:01:24] Ginger's Experience with Travel Rewards Ginger shares an update on booking a Hyatt Place hotel near a Taylor Swift concert using points. She emphasizes how hotel loyalty programs like Hyatt offer straightforward redemption for high-demand events, often for just 15,000 points. Key Insight: "Southwest Airlines is the easiest airline for using points." [00:06:56] Discussion on Credit Cards and Benefits The conversation shifts to Global Entry versus TSA Pre-Check. Ginger breaks down the cost-benefit of each and dispels the myth that Global Entry is only for wealthy travelers. "Global Entry seemed unattainable until I researched its benefits." — Ginger [00:16:40] The True Cost of Car Ownership Brad and Ginger revisit the financial impact of owning a car over a lifetime, including how perpetual car payments erode net worth. [00:42:16] Listener Q&A: Retirement Planning A listener asks how to incorporate pension income into FI calculations. The answer: subtract guaranteed pension income from annual expenses to find your true FI number. "Subtract your guaranteed pension income from your expenses to determine your true FI number." Action Items: Check hotel points availability regularly for high-demand events. [00:03:12] Research and apply for Global Entry if you travel internationally. [00:07:43] Assess your pension benefits and factor them into your FI calculations. [00:42:16] Related Resources: Hyatt Loyalty Program [00:02:13] Global Entry Application [00:07:43]