I assumed the joke was that as you get older things are just more stiff and you don’t recover as fast. Yeah, it can be reduced with more exercise/activity but you’re still getting older.

There was an event where this became apparent for me. I played softball for years in my 20s. Stopped for a bit and returned in my 30s. I was actually in better shape when I returned. One day mid-season, I was rounding first base, not even particularly fast, and I felt something tweek. By the end of the day I was stuck on the couch and could barely move. I had to take the next day off.

That was my understanding. I was told one of the reason for growth in apps like Whatsapp outside the US was that data was cheaper than texting (probably just per message cost).

I use a variety of cards but mostly rely on sign up bonuses to give me enough points to travel with. Without those I would use a cash back.

Right now I use Bilt a lot. It alows you to pay your rent and earn points. My rent is probably ~75% of my monthly expenses. Their transfer partners are very good if not the best of all programs. It also has 3x dining which isn’t a big spend for me but it’s still good. Otherwise I have a several other cards for niche categories.

I used to be really into points and used those points to travel a lot in the last decade.

Right now it’s smart to cycle through but I wouldn’t be surprised if that is the next thing to go.

What I could see happening is they keep raising monthly prices until the math doesn’t work out of them. Then they’ll introduce a small discount for locking in multiple months (3,6,12mon). Both will continue to rise in price but month to month will be quicker.