B.D. Dalton II, Lazy Overachiever, deal-maker, author and podcast host of Grow Sell and Retire, Director at Rockfine Group. Let's talk about David. He's been shopping at the same grocery store for 12 ...

For decades, retail loyalty programs followed a familiar script: earn points, redeem rewards, repeat. The model worked well enough in a simpler competitive environment. But as acquisition costs rise, ...