178. How to Earn Points on Your Savings, Not Just Your Spending

If you've ever looked at the cash sitting in an emergency fund, a business account, or your tax reserves and wished it could earn travel points the way your spending does, this conversation is for you.   For as long as I've been earning points and miles, one piece has been missing. We've gotten very good at earning points on the money we spend, but almost no one has offered a way to earn transferable points on the money we save. That's what made Symphony worth a close look, and I sat down with co-founder James Berry to understand how it works.    Upfront: this isn't a recommendation and it isn't sponsored. I opened an account myself to see it firsthand, I do have an affiliate relationship with Symphony, and my goal is the same as always, to give you enough to decide for yourself.   We get into how the platform actually works, the fixed rate you earn and whether you take it as cash, as points, or a split of both. We also spend real time on the questions worth asking before putting money anywhere new, why it isn't FDIC insured, how the risks weigh against the rewards, and who it fits versus who should stay away. And we close on the bigger question underneath it all, whether saving could become a new way to earn points alongside spending.   Whether you decide it's for you or you'd rather watch from the sidelines for now, the approach is the same, understand it first, then make the call that fits your own goals and risk tolerance.   Earn up to 5,000 bonus points for opening and funding a new Symphony account: join.symphony.io/devon    Get full show notes and transcript: https://pointmetofirstclass.com/earn-points-on-savings-symphony    Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy   Some links in these show notes are affiliate links, meaning we may earn a commission at no extra cost to you.