<prompt> Human: I think people leave a lot of money on the table by not taking advantage of churning credit card offers more often. If you have good credit, and are prone to travel, its a pretty painless way to add a few thousand dollars in savings every year.  <response>: I use rewards cards, but theyre not for everyone, especially those who cannot discipline their spending.As far as the lowest hanging PF fruit, mine is my 401k match. 