Can Form 8815 Redeem 2022-2023

How's it going everybody? This is Beat the Bush. Somebody asks a really simple question of when you should redeem your credit card points on your credit cards. This seems like a really simple question because when I first read it, I'm like yeah, you know your credit card points, you just redeem it whenever you have it, a question like that actually gets really complicated really quickly. If you want to try to optimize the value that you take out of the cash back or points, sometimes you can only redeem it at certain increments such as $25 or $50 increments. If you have one penny less than any of these, then you are not able to redeem it yet. Sometimes, the redemption value is only in increments of 25 or 50 dollars. So if you have like 25 dollars and one cent or 26 dollars, you cannot redeem 26 dollars. You can only redeem it at 25 dollars increments. Now, most of my cash back points allow redemption in cash value and most of them just give you cash rather than having points where I have to try to redeem it for airfare, hotel, or whatnot. I have so many of them that it's really hard for me to meet the threshold every single month. Therefore, I may have cards where I only redeem it once I reach a threshold, maybe every six months or every one year. And I don't actually keep track of this. I just log on every once in a while and when I see I have enough cash back, I'm like "Oh look, there's enough. There is $50. There's $25." I just click it whenever it's actually possible. Sometimes I might try to redeem it when I see there's, you know, maybe 20...