A Math Nerd’s Quest to Become A Points & Miles Millionaire – Manufactured Spending
Manufactured Spending (MS) is a big part of the points and miles hobby. It’s a collection of techniques where you pretend to spend the money that you don’t have, in order to generate points. The general concept is that you buy cash-equivalent instruments with a reward-earning credit card, and then convert those instruments to cash in order to pay off the credit card balance.