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May 19, 2025 41 mins

Ever wish your partner would just get on board with points and miles? 

You’re not alone! 

In this episode of the Lazy Budget Travel Tips podcast, I sit down with my husband, Brandon, to talk about his complete 180—from being totally against credit cards to actively strategizing when it’s time for us to open a new one. 

We’ll chat about:

  • What the heck a Player Two (P2) is and why having one can double your points game
  • The moment Brandon realized points and miles weren’t a scam
  • How referral bonuses can stack up big time and make a huge difference
  • Addressing fears about credit cards and debt the right way
  • How we justify annual fees (hint: it’s all about the value)
  • Some of our favorite trips we never would’ve taken without points 

If your partner thinks points and miles aren’t worth it, or if you’re trying to ease them into the game without overwhelming them, this episode is for you! 

Episode Breakdown 

  • 00:00 - Intro & why this topic matters
  • 00:59 - What’s a Player Two (P2) & why it’s a game-changer
  • 04:46 - Brandon’s initial skepticism & first experiences
  • 10:17 - The perks of having a P2 (hint: double the points!)
  • 12:12 - Credit cards & debt: Breaking down the fear factor
  • 14:07 - Our favorite points-funded trips
  • 20:50 - Are annual fees really worth it?
  • 26:03 - Confidence & discipline: Getting comfortable with credit cards
  • 33:25 - Advice for P1s trying to get their P2 on board
  • 39:29 - Wrap-up & final thoughts 

Got questions? Join the conversation in the Lazy Budget Travel Tips Facebook Group or hit me up on Instagram @travelingfranklins

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Genni Franklin

Genni Franklin

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