Keeping it real we usually lose money every year. Between the two of us it is in the neighborhood of $15,000 to $20,000 per year. This is he 5th year for us to reach 7 star card level. We can afford to lose the money. It's cheaper than a country club membership or owning a second home. If you add up the entertainment value of gambling, the 60 plus nights of free rooms per year, the free meals, free concerts, free airfare and other forms of free transportation, and all of the other perks such as diamond lounges and 7 star lounges, etc., etc., etc., the benefits we receive year in and year out far exceed the money we lose gambling.