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How to Travel in Retirement Using Credit Card Points with Colin Stroud
Episode 175
Tuesday, 20 October, 2026
Most people earn credit card points without thinking much about them. Then they cash them in for gift cards or an Amazon order and leave a lot of value on the table. On this episode of The Retirement Fiduciary, Adam Koós, sits down with Colin Stroud, founder of Go Somewhere, to talk about doing it better. Colin built an audience of more than 25,000 on LinkedIn in about two and a half years by teaching people how to turn everyday spending into trips they'd never pay cash for. He walks through flexible points, transfer partners, and the real math on what a retiree spending a normal amount each month can earn. If you're traveling now or planning to travel more in retirement, there's a lot here you can use right away. Episode Timestamps 00:00 Cold open: a $1,500-a-night hotel for about $300 in points 01:00 Meet Colin Stroud and Go Somewhere 02:45 How a $50 phone call turned into a business 07:30 The first step: switching to flexible points 11:00 Transfer partners and the Park Hyatt St. Kitts example 14:00 The biggest mistakes people make with points 16:00 How travel rewards can help retirees on a fixed income 19:00 Luxury redemptions vs. everyday trips 21:00 How to pick a card that fits your spending and travel 23:45 Why you shouldn't hoard your points 25:30 Two tools Colin recommends 27:00 Two favorite success stories 30:00 The one strategy to use if you only do one thing 33:00 How to connect with Colin Key Takeaways 💡 There are two ways to win with points: earning and redeeming. Most people do fine on earning. The value gets lost on the redemption side. 💡 Flexible bank points give you far more options than a single airline or hotel card. At the time of recording, Colin cited valuations putting Chase points at about four times the value of Hilton points. 💡 Transfer partners are where the big deals live. Moving points to the right program turned a $1,500-a-night hotel into about $300 worth of points. 💡 You don't need business-owner spending for this to work. A retiree couple spending around $6,000 a month could earn enough in a year for several nights at a luxury hotel. 💡 Don't hoard points. Programs change, transfer partners come and go, and devaluations happen. Earn them and use them. 💡 Gift cards and Amazon purchases usually get you much less value per point than travel does. Key Quotes 🗣 "There's two ways to win. Earning and redeeming." - Colin Stroud 🗣 "Earn the points, use them now." - Colin Stroud 🗣 "The cash prices are high, points prices are low, which equals a deal." - Colin Stroud Connect with Colin Stroud Colin Stroud, Founder of Go Somewhere Website: www.gosomewhere.world Email: colin@gosomewhere.world LinkedIn: https://www.linkedin.com/in/gosomewhere/ Resources mentioned The Daily Drop newsletter: https://dailydrop.com point.me: https://point.me Connect with Libertas Wealth Facebook: https://facebook.com/libertaswealth Instagram: https://www.instagram.com/libertas.wealth Threads: https://www.threads.com/@libertas.wealth LinkedIn: https://www.linkedin.com/company/libertas-wealth/ Twitter / X: https://x.com/LibertasWM TikTok: https://www.tiktok.com/@libertaswealthmanagement YouTube: https://www.youtube.com/@libertaswealth Podcast YouTube Playlist: https://www.youtube.com/playlist?list=PLhkYzW1XyJA0Ef_Hf7nUCMGLSlmfHt43v Spotify: https://open.spotify.com/show/29Jrqu0MV1VrpRGqgm6seV Apple: https://podcasts.apple.com/us/podcast/the-retirement-fiduciary-podcast/id1029927148 Website: https://www.libertaswealth.com Email: info@libertaswealth.com Phone: 614-543-1350 Connect with Adam Koós: Adam Koós, CFP®, CMT, CFTe, CEPA LinkedIn: https://www.linkedin.com/in/adamkoos Website: https://www.libertaswealth.com
