On this episode Tim sits down with Pat Sears to learn more about how he and his family go on vacations for FREE (or for next to nothing). By utilizing credit card points and awards, there are so many ways to save money and provide amazing experiences for yourself and family.

WARNING: If you are buying a house, refinancing or if you can't pay off your credit cards on a monthly basis, this strategy is most likely NOT for you! Show mentions: doctorofcredit.com