We were standing in line at Chipotle for the second or third time this month. I looked at my wife and said "You know what? I need to use some of our Discover cash back and order some Chipotle gift cards.
When I checked Discover I realized I had enough cash back to buy another Gladiator Garage Works cabinet at Lowe's, and continue the garage rebuild project.
Then it hit me: I can always buy dinner at Chipotle. If I want to really use the gift cards effectively - I need to use the cash back for the big things - the long term things.
From a financial perspective it doesn't matter - the money will turn out the same.
From a focus perspective it makes all the difference in the world. Dinner will come and go. I don't need to spend energy planning for the next dinner (unless it's making my grilled salmon of course). The focus of the Discover cash back should reflect the focus of my long term thinking.
Lowe's it is!