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In response to "i am confused, what happened that you paid until 2018? Did I miss an earlier post? -- nm" by James Bond (aka Igor)

Been using my credit card rewards to pay off in advance. Built a 5 year buffer with those points.

Those points add up. They translate into a check. Every time we had enough, we made a payment. We made more payments than we needed, thus we had built the buffer.

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