Point Me To First Class · Monday, August 10, 2026
Devin Gimble's Hidden Travel Budget Calculator is designed with a conservative approach, focusing on the ongoing points earning from recurring expenses rather than solely on new card welcome bonuses. He believes that for many users, optimizing spending categories offers the most significant, yet often overlooked, potential for earning points.
“Because I think, honestly, for many of you, your recurring expenses are going to be the driving force behind a significant amount of your ongoing points earning. And that if you've only earned points up until now from new card bonuses, you're likely not fully tapping into the points earning potential that's available to you.”
“I did build in the assumption that you are likely opening a few new cards a year and earning some welcome bonuses. But overall, I actually tried to have a bias on the side of underestimating your points earning potential and being conservative in the numbers and the values that it provides to you.”