If you can guarantee a 5 percent yearly return after taxes on a $200,000 investment that has zero risk whatsoever to principal and is completely liquid, please share.

I am not aware of anything close. Yes, you can possibly get better than 5 percent if you put your principal at risk. And maybe you can start to get upwards of 3 or 4 percent if you lock up your money.

But if I had $200k and did not want to put it at risk, and also potentially needed it somewhere other than in a maturing-nonliquid investment, 360,000 miles a year is pretty good.