For years people have told me how they have been making money in real estate and urged me to spend just a little time learning some very safe and basic strategies. I told them I didn't have the time, that I was doing fine with my finances and investments.

Now I have over a million miles and points in various programs and they have over a million dollars (actually several millions) and I am wondering how I could have been so blind and unwilling to be converted.

Let's not be too arrogant. Today, I know a hundred times more about miles and points than they do but I would gladly trade my miles for their money.