Points and miles still open doors to travel and unique experiences — but using them may take a little more strategy than it used to.

The numbers from Empower Personal Dashboard™ from January 2020 through March 2025 suggest a pattern of lifestyle recalibration, with consumers allocating dollars toward convenience, wellness, and personal enrichment, even as they experience pressure in cost-of-living expenses. 

Americans are getting more comfortable with AI, but research shows they prefer human-AI collaboration — insight businesses can use as they integrate AI at work.