Can someone please explain this to me like I'm 5? I only have 27k points after going on a big trip last year. Should I be cashing out or just keep stockpiling points? Buying a house right now so I'll have probably $3 - $5k in expenses coming up for furniture, painting, ect. There's also this pay yourself back on the side which I think is confusing me. Cash back seems much more straight forward.