@WillManidis If you transfer your points to Delta, then apply the Fine Hotels credit, then do 6 charge backs, and do a collateralized loan against your house, you come out about $10 ahead of the annual fee. Pretty good deal imho.
$10M doesn't get you into the 1% anymore. That line starts around $18M now in 2026.
US households, Fed data:
95% have less than $5M (126.8M out of 133.4M households)
1 in 20 has $5M+ (6.6M)
1 in 49 has $10M+ (2.7M)
1 in 116 has $20M+ (1.15M)
1 in 877 has $100M+ (152K)
The pyramid got taller. Not wide.