Pucky Freak
Well-known member
Solidly disagree there. Retirement savings all convert to the same asset (cash), and the investment is always compounding, so the longer you save the more you have.I look at points a bit like investing or saving for retirement...even if you don't know exactly how you plan to 'burn' them, you are probably better off giving yourself options in the future by having more points. Obviously this requires a budgetary consideration - and yes - you may end up buying points and not having any great options...but the way things are going I'd error on the side of having as many points as possible in as many states as possible.
PP usually the optimal ROI is in the 1-4 PP range, after which point there is highly diminishing returns. Below, thick line is retirement investments and thin line is PP. Note that when the PP line finally ticks up again you might be in a nursing home.Some examples:
A. CO bear - many fine hunts at 0PP. PP doesn’t buy you much of anything.
B. CO elk/deer - Highly diminishing returns after after 2-4 points. You can hold out for a long time and get a slightly better hunt. If you started chasing a glory unit today you’d be paying more than if you bought a LO tag or a guided hunt.
C. UT deer - unless you’re planning on general deer it helps to have a clue about how long it will take to get a tag.
D. NV elk - Unless you’re in it for the LONG haul or are OK with rolling dice on low probability hunts, your PP might be buying you literally nothing.
E. WY antelope - 2PP gets you 100% harvest success on a mature buck. More PP just adds more to choose from, slightly bigger horns, or easier access.
F. MSG PP in most cases are buying you nothing…0 ROI unless you get lucky.
Another significant factor is that with retirement savings it’s unlikely that the the basic financials assumptions are going to dramatically change within your lifetime. Multiple stakeholders don’t want the US economy to collapse. With PP inflation is now about 20% year over year, and the states can change the rules for any reason at any time, with little consequence to their own bottom line.
CO they handed out PP like free heroin for over 2 decades and now that they have all the high point holders by the balls they started cashing in big time by charging a lot more to keep playing the game. Many states have already followed suit (NV, UT, ID in it’s own way), and the ones that haven’t likely will soon (WY), as in 2022.