Its funny that this comes out now as I was just saying to someone that I have two retirement plans

1. my pension and 401K at work and
2. My frequent flier accounts where I hoard all my miles where hopefully someday (like maybe retirement) I'll be able to use them when I have all kinds of free time

However unlike my 401K/pension which in theory is supposed to grow with each year of service and each year of contributions and market gains I will have enough money to retire on.. my ff accounts do not gain any interest and actually are in a state of deflation (barring certain promotions) where by the time I retire a free economy ticket may cost 50 to 100K.. Luckily I have 20 plus years to keep on racking up the miles and hopefully bonus'.

anyone else ever think about using all your miles at retirement yet are afraid that they will be worth significantly less when the time comes?