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All the Hacks: Money, Points & Life

All the Hacks: Money, Points & Life
Author: Chris Hutchins
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© 2024 - Chris Hutchins
Description
Never leave money on the table. This is your shortcut to upgrading your life, money and travel—all while spending less and saving more. Get tactical moves and deep dives into designing a life you’re excited about.
Host Chris Hutchins is a life hacker who has saved millions by breaking down every aspect of life and looking to maximize happiness at the lowest cost. Chris and guests like Tim Ferriss, Tony Hawk, Codie Sanchez and Gary Vaynerchuk are here to deliver smart strategies you can plug into your own life—from a money hack that increases your net worth, to a routine change that boosts your productivity.
245 Episodes
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#244: I'll explain how I saved over $10k on luxury hotels in Costa Rica and Carmel Valley using points, free nights, and elite perks. I’ll walk you through every step, from how to book with points, when to buy them on sale, how to stack hotel credits, which hotel programs give you upgrades and free breakfast, and more!
Link to Full Show Notes: https://chrishutchins.com/maximize-savings-costa-rica-carmel-valley
Partner Deals
Daffy: Free $25 to give to the charity of your choice
NetSuite: Free KPI checklist to upgrade your business performance
Vuori: 20% off the most comfortable performance apparel I've ever worn
Thrive Market: 30% off your first order of organic groceries + a free $60 gift
LMNT: Free sample pack of my favorite electrolyte drink mix
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Credit Cards
Hilton Honors American Express Aspire Card
Hilton Honors American Express Surpass® Card
The Business Platinum Card® from American Express
Blog Posts
How to maximize your Hilton cards
How to use Hyatt's Guest of Honor Globalist benefit
How to earn up to 6 free nights with Hyatt Brand Explorer
Award Search Tools
Rooms.Aero
AwardTool ($20 off annual plans with code ALLTHEHACKS)
Points Path Chrome Extension
PointsYeah Hotels
Awayz ($10 for ATH listeners and 50% off for ATH members)
Gondola
MaxMyPoint
StayWithPoints
Costa Rica
Waldorf Astoria Costa Rica Punta Cacique
Adobe Rent a Car
Playa Hermosa, Guanacaste
Sensoria
Diamante Eco Adventure Park
La Finca
Carmel Valley Ranch: Little Ranchers | River Ranch
Earthbound Farm
Lucia Restaurant & Bar
The Great Tide Pool
Revival Ice Cream
Snack Shack at Lovers Point
Lucy's On Lighthouse
Monterey Bay Aquarium
Alila Ventana Big Sur Hotel
Buy World Of Hyatt Points For 20% Off
Elemental Movie
ATH Podcast
Video Episode with Photos/Videos
Luxury Hotel Upgrade Program
Ep #157: Costa Rica: A Top Travel Destination for Adventure, Rainforests and Relaxation with Javier Echecopar
Ep #167: Best Tools for Booking Hotels with Points & Miles with Greg the Frequent Miler
Ep #182: Shortcuts to Elite Travel Status with Greg the Frequent Miler
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: podcast@allthehacks.com
Full Show Notes
(00:00) Introduction
(00:47) How Chris Got Six Free Hilton Night Certificates
(01:53) How Hilton Free Night Certificates Work
(02:59) Earning Free Nights with Hilton Credit Cards
(04:13) Planning the Trip to Costa Rica
(06:23) Buying Hilton Points (and the Caveats)
(09:40) Ways to Earn Hilton Status
(13:48) Stacking Amex and Hilton Credits
(16:14) Booking Flights with Points & Leveraging Alerts
(19:35) Renting Cars in Costa Rica
(20:55) The Flight Experience
(22:16) Adobe Car Rental Review
(23:03) Waldorf Astoria Costa Rica Overview
(25:20) How We Handled an Issue at the Hotel
(30:09) Resort Layout, Pools & Amenities
(33:16) Our Sensoria Rainforest Excursion
(35:46) Diamante Eco Adventure Park & Zip Lining
(37:06) The Dining, Drinks & Staff Experience
(40:33) Sharing Feedback & Tipping the Hotel Staff
(41:59) Overall Costa Rica Takeaways & Total Costs
(45:33) How to Maximize Travel Perks without Points
(48:50) Booking Carmel Valley Ranch with Hyatt Points
(51:29) Hyatt Globalist Perks & Guest of Honor Certificates
(54:08) Hyatt Brand Explorer Program
(54:37) The Experience at Carmel Valley Ranch
(58:21) Off-Property Activities & Local Recommendations
(01:00:06) Trip Recap & Key Takeaways
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#243: Discover smarter strategies to grow your wealth and create financial flexibility. We dive into when it makes sense to invest beyond retirement accounts, how to access savings early through Roth conversions and 72(t) distributions, ways to reduce taxes with HSAs, tax-advantaged accounts, and charity, and so much more.
Michael Kitces is the Head of Planning Strategy at Focus Partners Wealth, co-founder of XYPN and publisher of a continuing education blog for financial planners, Nerd’s Eye View.
Link to Full Show Notes: https://chrishutchins.com/smarter-savings-retirement-michael-kitces
Partner Deals
Mercury: Help your business grow with simplified finances
Oceans: Best proactive global talent to level up your work and life
OpenPhone: 20% off the first 6 months of your own business phone system
DeleteMe: 20% off removing your personal info from the web
Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Michael Kitces: Website | Focus Partners Wealth | XYPN
Blog Posts
The Four Phases Of Saving And Investing For Retirement
3 Types Of Retirement And Their Very Different Savings Strategies
Supplemental Saving In An HSA For Retiree Medical Expenses
IRA Aggregation Rule And Pro-Rata IRA Taxation
Effective Backdoor Roth Strategy: Rules, IRS Form 8606
Strategies For Maximizing (Or Minimizing!) Rule 72(t) Early Distribution Payments
Systematic Partial Roth Conversions & Recharacterizations
72t Distribution Calculator
ATH Podcast
Submit questions for AMA
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: podcast@allthehacks.com
Full Show Notes
(00:00) Introduction
(00:53) Should You Max Out Your Retirement Accounts?
(05:08) Investing in Your Career as a High-Return Strategy
(09:55) Saving in a Taxable Account vs. Retirement Account
(13:40) Tax Advantages of a Retirement Account vs. Brokerage Account
(16:19) How to Think About Emergency Savings
(18:06) Choosing the Best Retirement Accounts
(24:21) Reimbursing Medical Expenses via HSA
(27:02) Evaluating the Core Retirement Accounts
(29:19) Nuances of the Backdoor Roth IRA
(30:53) Traditional vs. Roth IRA
(32:12) Why the Majority Shouldn’t Worry About Tax Brackets
(36:58) Roth Conversions in Low-Income Years (Sabbaticals)
(39:52) Consolidating and Managing Old 401(k)s
(42:05) Can You Access Retirement Funds via Roth Conversions?
(42:44) Why Michael Doesn’t Practice Roth Conversions Before Retirement
(45:36) The Rules for 72(t) Distributions
(48:35) Tackling the Account Sequencing Problem
(52:16) Leveraging Charity for Tax Deductions
(53:58) What Happens When You Leave Money to Your Kids
(1:00:43) Where to Find Michael, His Work and Services
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Learn more about your ad choices. Visit megaphone.fm/adchoices
#242: Chris dives into the Capital One credit card lineup, breaking down earning structures for miles and cash back, exciting benefits, and redemption strategies. He also covers the best 2-card combo, transfer partners, important application rules, and more.
Link to Full Show Notes: https://chrishutchins.com/capital-one-credit-cards-miles-guide
Partner Deals
Superhuman: Free month of the fastest and best email with code ALLTHEHACKS
Bilt Rewards: Earn the most valuable points when you pay rent
Trust & Will: Get 20% off personalized, legally binding estate plans
LMNT: Free sample pack of my favorite electrolyte drink mix
Vuori: 20% off the most comfortable performance apparel I've ever worn
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Chris' Best Cards Page
Capital One Cards Tier List
Iceland Trip
Venture Cards
Capital One Venture Rewards Credit Card
Capital One VentureOne Rewards Credit Card
VentureOne Rewards for Good Credit from Capital One
Capital One Venture X Rewards Credit Card
Capital One Venture X Business
Spark Miles Cards
Capital One Spark Miles for Business
Capital One Spark Miles Select For Business
Capital One Savor Cash Rewards Credit Card
Quicksilver Cards
Capital One Quicksilver Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Spark Cash Cards
Capital One Spark Cash
Capital One Spark Cash Plus
Spark 1.5% Cash Select Business Card
Capital One Spark 1% Classic for Business
Platinum Mastercard® from Capital One
Co-Branded Cards
Williams Sonoma Key Rewards Visa
Pottery Barn Key Rewards Visa
west elm Capital One Credit Card
The Key Rewards® Visa
Capital One Resources
Credit Card Pre-Approval Tool
Eno® from Capital One®
Capital One Shopping
Capital One Dining
Capital One Entertainment
MLB™ Mondays at Capital One Café (Free Coffee)
Blog Posts
Why your credit card travel portal might be a poor way to book travel
How to Get Approved for Business Cards
How to Get MLB Tickets for 5,000 Miles
How to book Vacasa Vacation Rentals with Wyndham points
ATH Podcast
Ep #228: Deep Dive on Citi Credit Cards and ThankYou Points (Best 2-Card Combo)
Ep #236: Deep Dive on Amex Credit Cards and Membership Rewards Points
Ep #240: Top Airline & Hotel Transfer Partners to Maximize Your Points with Greg the Frequent Miler
Luxury Hotel Upgrade Program
Airline/Hotel Transfer Partner Spreadsheet
Membership: Join here
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: podcast@allthehacks.com
Full Show Notes
(00:00) Introduction
(01:17) Quick Episode Overview
(03:43) Capital One Venture Card
(05:30) The VentureOne Card
(06:46) Venture One Card for Good Credit
(07:33) Capital One Venture X Rewards
(08:17) Using the Capital One Travel Portal
(12:27) Venture X Card Benefits
(13:50) Capital One's Lounge Network & Access
(18:44) The Venture X Business Card
(24:06) Spark Miles Cards
(26:29) Difference in Earning Miles vs. Cash Back Cards
(27:13) Savor Rewards Card
(32:15) Quicksilver Cards
(33:57) The Spark Cash Cards
(39:27) The No Reward Platinum Mastercard
(40:11) The Four Co-Branded Williams Sonoma Cards
(44:04) Capital One Perks: Virtual Card Numbers, Free Coffee & More
(48:02) Online & Card-Linked Offers
(52:11) Capital One Dining
(52:42) Best Redemptions for Capital One Miles
(54:08) Hotel & Airline Transfer Partners
(57:49) Moving Capital One Miles
(58:43) Important Rules to Keep in Mind
(1:01:01) Quick Summary
(1:03:10) The Best Two Capital One Card Combo
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#241: We cover new credit cards, increased welcome bonuses, and major changes to existing cards and their benefits. Plus, learn how to rack up thousands of points through airline and hotel challenges and giveaways.
Link to Full Show Notes: https://chrishutchins.com/new-cards-increased-offers-points-challenges
Partner Deals
Copilot Money: Free 2 months access to my favorite personal finance app with code HACKS2
DeleteMe: 20% off removing your personal info from the web
Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth
Fabric: Affordable term life insurance for you and your family
MasterClass: Learn from the world's best with 15% off
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Credit Cards
Chris' Cards Page
Citi Strata Elite℠ (100,000 point offer)
Citi Strata℠
Citi Double Cash® Card
Citi Strata Premier℠ Card
U.S. Bank Smartly™ Visa
Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Bevy® American Express® Card
Marriott Bonvoy Business® American Express® Card
American Express® Gold Card
The Platinum Card® from American Express
Bilt World Elite Mastercard® (Rates and Fees here)
Mesa Homeowners Card (Referral code: FCRGNB)
Nibbles Credit Card
Rakuten American Express® Card
Gemini Credit Card
Coinbase One Card
"Weird Al" Yankovic
Rakuten: Free $30 here
Airline & Hotel Challenges
Frequent Miler: Million Mile Madness Recap
Etihad: The Extraordinary Challenge
JetBlue: 25 for 25
JetBlue: TrueBlue Partner Passport Challenge
Choice Hotels: 1-Million Points Sweepstakes
ATH Podcast
Ep #228: Deep Dive on Citi Credit Cards and ThankYou Points (Best 2-Card Combo)
Ep #236: Deep Dive on Amex Credit Cards and Membership Rewards Points
Ep #234: Earn Points on Mortgage, 100k+ Card Bonuses, New 4% Card, Devaluations and More
Southwest Cards Refresh
Mesa Homeowners Card
Membership
Newsletter
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: podcast@allthehacks.com
Full Show Notes
(00:00) Introduction
(00:51) Citi Strata Elite Card Perks & Earnings
(05:24) 100K Welcome Offer
(12:00) U.S. Bank Card Changes
(17:05) Southwest Card Refresh
(18:44) How to Earn a Southwest Companion Pass
(21:27) Increased Bonuses on Marriott Bonvoy Cards
(22:50) Elevated Amex Welcome Offers
(25:13) Bilt Card & Benefits
(29:43) Mesa Homeowners Card for Mortgage Payments
(33:07) The Nibbles Card for Pets
(34:56) The New Rakuten Card
(37:31) Gemini Credit Card
(41:38) The Coinbase One Card
(46:28) Etihad & Turkish Airlines Points Challenge
(48:50) Latest JetBlue Challenges
(56:15) Choice Hotel 1M Sweepstake
(57:07) Upcoming Changes to the Podcast
(57:58) Chris’ Birthday Request
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Learn more about your ad choices. Visit megaphone.fm/adchoices
#240: Transferring points is one of the best ways to maximize your points, so today we share the top airline and hotel transfer partners. We also cover strategies to get the most out of your points, including how to leverage transfer bonuses, identify sweet spots, avoid common mistakes, and more.
Greg Davis-Kean is the founder of Frequent Miler, a blog dedicated to helping people maximize their travel rewards and loyalty programs, mostly without flying. He is also the host of the Frequent Miler on the Air podcast.
Link to Full Show Notes: https://chrishutchins.com/top-transfer-partners-greg-frequent-miler
Partner Deals
Thrive Market: 30% off your first order of organic groceries + a free $60 gift
Vuori: 20% off the most comfortable performance apparel I've ever worn
LMNT: Free sample pack of my favorite electrolyte drink mix
NetSuite: Free KPI checklist to upgrade your business performance
OpenPhone: 20% off the first 6 months of your own business phone system
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Greg Davis-Kean: Frequent Miler | Newsletter | Podcast
Frequent Miler Resources
Current Transfer Bonuses
How to Save Miles by Flying More
How to book EVA Air Infinity MileageLands awards
How to book Vacasa Vacation Rentals with Wyndham points
Flight Award Search Tools
PointsYeah
AwardTool ($20 off annual plans with code ALLTHEHACKS)
ATH Podcast
Airline/Hotel Transfer Partner Spreadsheet
Ep #166: Best Award Search Tools for Booking Flights with Points & Miles with Greg the Frequent Miler
Ep #167: Best Tools for Booking Hotels with Points & Miles with Greg the Frequent Miler
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: podcast@allthehacks.com
Full Show Notes
(00:00) Introduction
(01:00) Outsized Value from Transferring Points
(02:27) Quick Episode Overview
(08:21) Why Emirates First Class Is a Coveted Experience
(15:22) Air Canada's Aeroplan Program
(19:06) Maximizing Transfer Bonuses
(20:32) Getting Value from the Virgin Atlantic Flying Club
(26:44) Sweet Spot for Virgin Atlantic
(34:22) Using Air France-KLM Flying Blue for Business Class Flights
(40:23) Leveraging Avios Points
(45:23) Avios Sweet Spots and Places to Avoid
(51:40) Emirates, Singapore Airlines, and Cathay Pacific
(55:44) Is the Avianca LifeMiles Program Worth It?
(59:30) JetBlue’s Transfer Partners
(1:01:44) Southwest Airlines
(1:04:39) Aeromexico
(1:04:52) Qantas and Turkish Airlines
(1:06:43) Booking Flights via United
(1:09:26) EVA Air Program for Flights to Asia
(1:11:18) Uses for ANA
(1:12:45) TAP Air and Thai Airways
(1:13:21) Why Greg Loves Alaska Miles
(1:15:31) Difference Between Airline Miles vs. Hotel Points
(1:16:37) Using Hyatt Points
(1:18:07) Getting Value from Wyndham, IHG, and Hilton
(1:21:11) The Marriott Bonvoy Program
(1:21:40) Booking Hotels with Citi ThankYou Points
(1:23:28) Leader’s Club
(1:25:10) Wells Fargo and Accor Points
(1:25:58) Why You Should Set Up Your Award Programs in Advance
(1:27:47) Is It Possible to Reverse Transfers?
(1:28:56) Where to Find Greg and Frequent Miler Resources
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Learn more about your ad choices. Visit megaphone.fm/adchoices
#239: Why wait until you're 65? It's feasible for almost anyone to take a mini retirement and when done right, it can also fast-track your career and income. Learn how to plan one, negotiate time off, manage costs, avoid pitfalls, and make it work if you’re self-employed. Plus, we share tips for handling health insurance and other logistics during your mini-retirement.
Jillian Johnsrud is the author and host of Retire Often. She’s taken more than a dozen mini-retirements and coaches people to pursue meaningful goals, take mini-retirements, and align their money with what matters most.
Link to Full Show Notes: https://chrishutchins.com/mini-retirements-jillian-johnsrud
Partner Deals
Stable: 50% off your first year of my favorite digital mailbox
DeleteMe: 20% off removing your personal info from the web
Bilt Rewards: Earn the most valuable points when you pay rent
Long Angle: Join a free private community for high net worth investors
Shopify: $1/month trial for the easiest e-commerce platform
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Jillian: Website | Podcast | Instagram
Jillian's Book: Retire Often
Free Worksheets: Planning | Negotiating
Full Show Notes
(00:00) Introduction
(02:12) Why Traditional Retirements Are Flawed
(04:32) What Is a Mini Retirement?
(06:50) How to Make More Money by Working Less
(09:46) Managing Your Time During a Mini Retirement
(11:57) Common Types of Mini Retirements
(15:43) Ways to Design an Impactful Mini Retirement
(18:19) Financial Implications of a Mini Retirement
(20:40) Chris and Amy's Mini Retirement
(22:57) How to Negotiate a Mini Retirement With Your Employer
(30:41) Paid Leave vs. Unpaid Leave
(37:18) Finding Work After a Mini Retirement
(42:10) Tips for People Who Are Self-Employed
(46:52) How to Plan, Save, and Spend for Your Mini Retirement
(49:33) Estimating the Cost of a Mini Retirement
(53:45) All the Different Ways a Mini Retirement Can Go Wrong
(56:55) Should You Take a Mini Retirement With or Without Your Partner?
(59:07) Health and Travel Insurance Options
(1:01:09) Jillian's Parting Advice
(1:02:23) Where to Find Jillian and Her Work
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Learn more about your ad choices. Visit megaphone.fm/adchoices
#238: Chris shares 18 tactics he’s used to get the best deals booking flights and hotels with points. Learn how to leverage flexibility, navigate transfer partners, use the right tools, identify “sweet spots,” avoid high fees, position flights, and so much more.
Link to Full Show Notes: https://chrishutchins.com/18-tactics-for-booking-award-travel
Partner Deals
MasterClass: Learn from the world's best with 15% off
Trust & Will: Get 20% off personalized, legally binding estate plans
Vuori: 20% off the most comfortable performance apparel I've ever worn
Superhuman: Free month of the fastest and best email with code ALLTHEHACKS
Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Chris' Airline/Hotel Transfer Partner Spreadsheet
Free Starter Guide to Points by Devon Gimbel
Award Search/Discovery Tools
point.me: 20% off annual plans with code ALLTHEHACKS20
Seats.Aero: Lufthansa First Class Finder | Qatar Qsuites Finder | JAL First Class Finder
PointsYeah: Daydream Explorer
AwardTool: $20 off annual plans with code ALLTHEHACKS
Awayz: $10 for ATH listeners and 50% off for ATH members
MaxMyPoint
StayWithPoints
Rooms.Aero
Points Path Chrome Extension
FlightConnections
Skiplagged
Other Resources
Award change/cancel policies by airline
The best programs for lap infant award tickets
Frequent Miler Podcast: How to Save Miles by Flying More
ATH Podcast
Ep #166: Best Award Search Tools for Booking Flights with Points & Miles with Greg the Frequent Miler
Ep #167: Best Tools for Booking Hotels with Points & Miles with Greg the Frequent Miler
Ep #227: The Path to Becoming an Expert in Points & Miles with Devon Gimbel
Newsletter: Subscribe here
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: podcast@allthehacks.com
Full Show Notes
(00:00) Introduction
(01:54) Quick Episode Overview
(03:25) Leveraging Flexibility to Unlock Travel Opportunities
(06:47) The Importance of Understanding Airline Partners
(07:15) Comparing Award Flight Deals
(09:51) Different Cancellation Policies Across Airline Programs
(12:37) Expiration Policies
(14:11) Understanding Schedule Opens and Booking Windows
(16:55) Award Search Tools
(22:13) When and Why You Should Buy Points on Sale
(23:35) Finding Award Sweet Spots
(26:20) Leveraging Transfer Bonuses
(29:00) Why You Should (Almost) Always Book One-Way Travel
(31:07) How to Strategically Position Long-Haul Flights
(34:40) Taking Advantage of Stopovers and Open Jaws
(40:30) Pros (and Cons) of Mixed Cabin Awards
(42:56) Setting Up Alerts to Find the Ideal Flight
(44:56) Booking Backup Flights
(46:25) Three Biggest Pain Points of Award Bookings
(48:31) Hidden City Ticketing
(52:16) Tips for Hotel Award Deals
(53:42) Airline Pricing for Lap Infants and Children
(55:39) Outsized Value from the Southwest Companion Pass
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Learn more about your ad choices. Visit megaphone.fm/adchoices
#237: Start living your rich life today regardless of your income. Learn how to spend without guilt, track the four key financial numbers that matter most, harness the power of decisiveness, and avoid the common traps that hold people back as their income grows.
Ramit Sethi is a personal finance expert and the NYT bestselling author of I Will Teach You to Be Rich. He hosts the popular Netflix show, How to Get Rich, and the Money for Couples podcast.
Link to Full Show Notes: https://chrishutchins.com/guilt-free-rich-life-ramit-sethi
Partner Deals
LMNT: Free 8-count sample pack of my favorite electrolyte drink mix
OpenPhone: 20% off the first 6 months of your own business phone system
Notion: Try Notion AI free to automate tedious tasks and streamline your work
Quince: Affordable luxury essentials with free shipping + 365 day returns
Thrive Market: 30% off your first order of organic groceries + a free $60 gift
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Ramit Sethi: Website | X | Instagram
Money for Couples: Book | Podcast | YouTube
Earnable Program
ATH Podcast
Ep #91: Die With Zero: Net Fulfillment Over Net Worth with Bill Perkins
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: podcast@allthehacks.com
Full Show Notes
(00:00) Introduction
(02:23) How Much Money Do You Actually Need to Live a Rich Life?
(04:25) Identifying Money Dials to Live a Rich Life
(06:16) The Four Key Numbers You Need to Track Your Finances
(12:02) How to Learn the Skill of Spending Money
(17:58) Ways to Reframe How You Look at Costs
(23:02) Analyzing How Optimizers Spend
(26:37) Why It's Important to Find Your Worry-Free Number
(28:38) Spend Money Based on the Stage You’re in Life
(34:48) The Role of Income (& Side Hustles) in Your Rich Life
(38:41) Why You Have to Be Honest About Your Rich Life
(40:25) Tackling Big Financial Decisions
(43:27) Why Ramit Thinks Lifestyle Creep Is a Myth
(45:04) How Chris and Amy Decided to Sell Their Vacation Home
(48:13) The Power of Being Decisive and How to Build the Skill
(54:56) Biggest Traps People Face When Moving Up the Wealth Ladder
(58:40) How AI Has Impacted the Way People Manage Their Finances
(1:01:17) Ramit's Challenge for You to Live Your Rich Life
(1:03:34) Where to Find Ramit, His Book, and Other Work
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Learn more about your ad choices. Visit megaphone.fm/adchoices
#236: Chris reviews and ranks the full American Express lineup of 30+ cards. He also breaks down Membership Rewards, transfer partners, approval rules, card-linked offers, unique perks, and more.
Link to Full Show Notes: https://chrishutchins.com/amex-cards-membership-rewards-points
Partner Deals
Kick: 50% off your first year of self-driving bookkeeping w/ code CHRIS
DeleteMe: 20% off removing your personal info from the web
Bilt Rewards: Earn the most valuable points when you pay rent
NetSuite: Free KPI checklist to upgrade your business performance
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Best Cards Page
Amex Cards Tier List
Membership Rewards Cards
American Express® Green Card
Business Green Rewards Card
American Express® Gold Card
The American Express® Business Gold Card
The Platinum Card® from American Express
American Express Platinum Card for Schwab
The Platinum Card® from American Express Exclusively for Morgan Stanley
The Business Platinum Card® from American Express
The Blue Business® Plus Credit Card from American Express
Cash Back Cards
Blue Cash Everyday® Card from American Express
Blue Cash Preferred® Card from American Express
American Express Blue Business Cash™ Card
The Plum Card from American Express
Delta Cards
Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Gold Business American Express Card
Delta SkyMiles® Platinum American Express Card
Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve Business American Express Card
Hilton Cards
Hilton Honors American Express Card
Hilton Honors American Express Surpass® Card
Hilton Honors American Express Aspire Card
The Hilton Honors American Express Business Card
Marriott Cards
Marriott Bonvoy Bevy® American Express® Card
Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Business® American Express® Card
CardPointers Pro: 30% off here or 50% off for ATH Members
Free point.me for American Express Membership Rewards® points
Co-Branded Marriott Card Eligibility Rules
Tim Ferriss Ep #815: Helping Tim Burn 15M+ Miles and Points, Flipping Costco Gold Into Five-Star Trips & More
ATH Podcast
Membership: Join here
Luxury Hotel Upgrade Program
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: podcast@allthehacks.com
Full Show Notes
(00:00) Introduction
(01:52) Quick Episode Overview
(04:29) Amex Green Cards
(07:30) Amex Personal Gold Card
(11:32) Amex Business Gold Card
(15:01) Amex Platinum Cards
(19:24) Perks & Benefits on the Platinum Cards
(25:19) Platinum Card Variations
(29:38) Business Platinum Card
(38:05) Centurion Cards
(42:05) Blue Business Plus
(43:45) Amex Cash Back Cards
(49:19) Delta Cards
(1:03:10) Hilton Cards
(1:11:37) Marriott Cards
(1:22:17) Amazon Cards
(1:23:39) Leveraging Card-Linked Offers
(1:25:47) Notable Benefits of Amex Cards
(1:29:48) General Business Card Perks & Benefits
(1:30:30) Rental Car Coverage
(1:31:46) Credit Limits on Amex Cards
(1:32:19) Membership Rewards
(1:35:00) Amex Airline & Hotel Transfer Partners
(1:37:32) How to Move Membership Rewards Points
(1:38:21) Rules for Opening Amex Cards
(1:41:34) Reasons to Love or Dislike Amex
(1:45:26) The Best Amex Two-Card Combo
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#235: Chris shares his personal 10-step money allocation framework to help prioritize savings, investments, and financial flexibility. He also dives into advanced strategies for tax optimization, liquidity, and real-world application through listener questions.
Link to Full Show Notes: https://chrishutchins.com/10-step-money-allocation-framework
Partner Deals
Vuori: 20% off the most comfortable performance apparel I've ever worn
Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth
Copilot Money: Free 2 months access to my favorite personal finance app with code HACKS2
LMNT: Free 8-count sample pack of my favorite electrolyte drink mix
MasterClass: Learn from the world's best with 15% off
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Brian Feroldi’s Emergency Fund Size Formula
Wealthfront: Get $5k managed free here and get a 0.5% APY boost here
Daffy: Get free $25 for charity here
Direct Indexing: Frec
ATH Podcast
Ep #144: Leveraging Tax-Advantaged Accounts to Maximize Your Wealth with Katie Gatti Tassin
Ep #168: Building an Investment Portfolio to Grow and Protect Your Wealth with Chris Doyle
Ep #177: Best Bank Account Setup to Earn Interest on All Your Cash
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: podcast@allthehacks.com
Full Show Notes
(00:00) Introduction
(02:03) Quick Episode Overview
(03:37) Step 1: Operating Cash
(05:14) Step 2: Employer Match
(06:21) Step 3: Urgent Debt Payoff
(07:56) Step 4: Safety Net
(11:49) Step 5: Short-Term Goals Fund
(13:30) Step 6: Debt Review
(15:44) Step 7: Tax-Advantaged Investing
(21:38) Step 8: Brokerage Investing
(30:16) Step 9: Education Investing
(31:23) Step 10: Optional Debt
(32:48) Why You Should Prioritize Liquidity
(37:51) Types of Alternative Cash Savings
(40:48) The Margin Call
(43:28) Listener Q1: Strategy for Using Money from House Sale
(47:07) Listener Q2: How to Leverage Tax-Loss Harvesting
(50:35) Listener Q3: Effective Ways to Manage Your Investment Portfolio
(55:00) Listener Q4: Thoughts on Financial Advisors
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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#234: In this bonus episode, Chris discusses the new Mesa Homeowners Card, some new big welcome bonuses, card and hotel program devaluations, two new points promotions, free summer activities and more.
Link to Full Show Notes: https://chrishutchins.com/card-news-promos-and-more-june-2025
Resources Mentioned
Mesa Homeowners Card 5,000 Point Offer (or code FCRGNB)
Amex Platinum: Up to 175k Bonus
Amex Gold: Up to 100k Bonus
Major Card Refresh (100k/200k Bonus)
Coinbase One 4% Card
Venture X Lounge Changes
Hilton Devaluation
Free Uber One for Delta Cards
Hyatt Peloton Promo
Plastiq Personal Payment Options
Kids Bowl Free
Free National Park Days
Bank of America Free Museum Days
Full Show Notes
(00:00) Introduction
(00:56) Mesa Homeowners Card
(06:49) New Amex Personal Card Bonuses
(09:19) Card Refresh + New Bonuses
(15:37) New Coinbase Card
(16:13) Venture X Lounge Access Changes
(19:31) Hilton Devaluation
(20:30) Delta Card + Uber One Benefit
(21:27) Hyatt + Peloton Promotion
(22:28) Using Plastiq for Personal Payments
(23:11) Free Summer Activities
(23:47) Saving on Apple Subscriptions
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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#233: Explore how different generations approach money and what they get right (and wrong) about saving, investing, spending, and building wealth. We dig into the psychology of money across generations and share practical lessons on homeownership, retirement, automation, points inflation, and more.
Ben Carlson is the Director of Institutional Asset Management at Ritholtz Wealth Management. He runs the popular financial blog, A Wealth of Common Sense and is the author of four books on investing and personal finance. He also co-hosts one of my favorite podcasts: Animal Spirits.
Link to Full Show Notes: https://chrishutchins.com/financial-mindsets-across-generations-ben-carlson
Partner Deals
Superhuman: Free month of the fastest and best email with code ALLTHEHACKS
Green Chef: 50% off your first meal kit with code 50ALLTHEHACKS
Notion: Try Notion AI free to automate tedious tasks and streamline your work
Bilt Rewards: Earn the most valuable points when you pay rent
DeleteMe: 20% off removing your personal info from the web
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Ben Carlson: Website | Animal Spirits Podcast | X
Ben's Post: Financial Advice That Doesn’t Work Anymore
Morningstar Column by John Rekenthaler
Tim Ferriss Ep #815: Helping Tim Burn 15M+ Miles and Points, Flipping Costco Gold Into Five-Star Trips & More
Award Travel Search Tools
AwardTool: $20 off annual plans with code ALLTHEHACKS
PointsYeah
Points Path Chrome Extension
Coinbase One: Join the waitlist here
ATH Podcast
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: podcast@allthehacks.com
Full Show Notes
(00:00) Introduction
(02:27) The Great Wealth Transfer From Boomers to Millennials
(05:52) Financial Mindsets Across Different Generations
(09:10) Current Status of the Housing Market
(11:37) Spending Habits in the Travel Industry
(14:28) Financial Lessons From Every Generation
(19:09) Stock Market vs. Housing Market
(25:41) Financial Advice That Doesn't Work Anymore
(27:33) How to Learn to Spend Money and Enjoy It Now
(31:39) The Spectrum of Coast FIRE
(38:48) Ben's Take on Social Security: Is It Worth It?
(41:25) How to Navigate the Current Market Volatility
(47:08) How Demographic Changes Impact the Investment Landscape
(50:27) Active vs. Passive Investing
(52:45) Different Ways to Automate Your Finances
(54:26) Credit Card Points Inflation and Its Impact
(58:09) Credit Card Returns: Cash Back vs. Welcome Offers
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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#232: Chris reviews his current credit card lineup for 2025. He also covers how to evaluate new/existing cards, some card changes for 2025, new cards he's excited about, the best cards for each major spending category, and apps to manage all your cards.
Link to Full Show Notes: https://chrishutchins.com/whats-in-my-wallet-2025
Link to What's In My Wallet Blog Post: https://chrishutchins.com/blog/whats-in-my-wallet-for-2025/
Partner Deals
Trust & Will: Get 20% off personalized, legally binding estate plans
Bilt Rewards: Earn the most valuable points when you pay rent
Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth
Thrive Market: 30% off your first order of organic groceries + a free $60 gift
LMNT: Free 8-count sample pack of my favorite electrolyte drink mix
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Chris' Full What's In My Wallet Post
Credit Card Holder Wallet
Frequent Miler Premium Card Worksheet
Copilot: Free 2 months with code HACKS2
Chris’ Card Optimizer Tool
Southwest Companion Pass Complete Guide 2025
Kick Bookkeeping: 50% off your first year here
Credit Card Trackers
CardPointers Pro: 30% off here and 50% off here
CardRight
Travel Freely
AwardWallet
The Points Guy App
ATH Podcast
Membership
2025 Iceland Trip
Ep #152: Credit Cards: What's in My Wallet for 2024
Ep #170: Cash Back vs. Points: Are We Doing It All Wrong?
Ep #228: Deep Dive on Citi Credit Cards and ThankYou Points (Best 2-Card Combo)
Full Show Notes
(00:00) Introduction
(02:17) Quick Episode Overview
(03:28) The 3 Main Reasons to Own Credit Cards
(08:08) Things to Keep in Mind About Welcome Bonuses
(10:26) Chris' Credit Card Goals for 2025
(13:24) Points vs. Cash Back
(17:09) Why You Should Identify Your High Spend Categories
(21:53) How to Calculate the Value of a Card
(23:00) Review of Current Cards in Chris' Wallet
(30:44) Bank of America Cards
(33:00) U.S. Bank Cards
(33:49) Citi Cards
(38:27) The Bilt Mastercard®
(40:10) Understanding the Major Spending Categories
(42:35) Maximizing the Travel Category
(44:53) Earnings via Travel Portals
(47:57) Other Categories: Wholesale Clubs, Phone Service, Gas
(50:11) Managing Business Expenses (+ Kick Bookkeeping)
(52:10) New Cards for 2025
(55:47) How Chris Keeps Track of All His Cards
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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#231: Chris shares his top 50 hacks, learnings and lessons from the past 230 episodes. Learn actionable strategies to level up your travel, wealth, points & miles, productivity, relationships, and so much more!
Link to Full Show Notes: https://chrishutchins.com/50-impactful-lessons-travel-money-life
Partner Deals
Copilot: Free 2 months access to my favorite personal finance app with code HACKS2
NetSuite: Free KPI checklist to upgrade your business performance
Facet: Personalized Financial Planning + $250 enrollment fee waived
DeleteMe: 20% off removing your personal info from the web
Vuori: 20% off the most comfortable performance apparel I've ever worn
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Price Monitoring Services
Vacation Rentals: HiChee
Car Rentals: AutoSlash
Hotel Rentals: HotelSlash
Flights: Autopilot | Tripit | Going™
eSIMs: Airalo
Books
Never Pay the First Bill: And Other Ways to Fight the Health Care System and Win
Die With Zero: Getting All You Can from Your Money and Your Life
Make Time: How to Focus on What Matters Every Day
Hell Yeah or No: what's worth doing
The 80/80 Marriage
Burn the Boats: Toss Plan B Overboard and Unleash Your Full Potential
10 Easy Money Rules by Ramit Sethi
Keepa
Savendeals
Savewise (20% off with ALLTHEHACKS20)
Rakuten ($30 bonus here)
CardPointers Pro (30% off here)
Cashback Monitor
Library Extension | Libby
Gelt (skip the waitlist here)
Free Unclaimed Money Site
Bilt Rewards
Payment Platforms
Plastiq
Melio
Zil Money
Trust & Will (20% off custom estate plans here)
The Work Number Report
DeleteMe (20% off here)
ATH Podcast
Full List of Episodes
Newsletter
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: podcast@allthehacks.com
Full Show Notes
(00:00) Introduction
(04:07) Ways to Boost Your Points and Miles
(06:10) The Truth About Credit Scores
(07:57) Leveraging Award Search Tools and Points
(11:15) Hidden Credit Card Benefits
(13:21) Travel Planning Tips and Tricks
(15:11) Monitoring Price Drops: Flights, Hotels, Car Rentals
(17:02) Emailing the Hotel Before Your Stay
(20:44) Hacks for International Travel
(22:13) The Peak-End Rule
(23:08) Why You Should Audit Your Bills
(25:16) Saving Money on Housing
(27:04) A Die with Zero Mindset
(28:46) Establishing Money Rules
(30:29) The Power of Negotiation
(32:54) Stacking Deals to Increase Savings
(37:46) Browser Extensions to Secure the Best Deals
(39:40) Leveraging Gift Cards
(41:28) How to Access Library Books Online
(42:00) Freebies at Hotels
(42:31) Saving Money on Taxes
(43:38) Automating Investments
(45:31) Tax-Advantaged Accounts, Donor-Advised Funds, and HSAs
(48:18) The Best U.S. Bank Accounts
(50:28) Turning Deals into Side Hustles
(51:58) Free Unclaimed Money
(53:21) Paying Bills with Credit Cards
(55:13) Setting Up a Will and Trust
(56:31) Leveraging AI to Save Time
(58:06) Ways to Optimize Your Time
(59:19) The Hell Yes or No Filter
(1:01:32) How to Buy Back Time
(1:03:44) Levels of Listening and 80/80 Marriage
(1:05:21) Two-Hour Cocktail Party
(1:06:45) Making Healthier Decisions
(1:08:25) Protecting Your Identity
(1:10:38) Decision-Making Tactics
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Learn more about your ad choices. Visit megaphone.fm/adchoices
#230: The Wealth Ladder is a new philosophy for thinking about money and in this episode you'll learn exactly how to handle your spending, income, investments, and more, with tailored advice for every stage. We cover strategies to boost income, spend smarter with the 0.01% rule, avoid costly financial traps, evaluate new business opportunities, and achieve financial freedom.
Nick Maggiulli is a financial writer, data expert, and the COO of Ritholtz Wealth Management. He’s the creator of the popular financial blog Of Dollars and Data and the author of Just Keep Buying and The Wealth Ladder.
Link to Full Show Notes: https://chrishutchins.com/the-wealth-ladder-nick-maggiulli
Partner Deals
LMNT: Free sample pack of my favorite electrolyte drink mix
Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth
MasterClass: Learn from the world's best with 15% off
Notion: Try Notion AI free to automate tedious tasks and streamline your work
Trust & Will: Get 20% off personalized, legally binding estate plans
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Nick: X | Instagram | LinkedIn | Blog
Pre Order: The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life
Research Data Sources
Survey of Consumer Finances (SCF)
Panel Study of Income Dynamics (PSID)
ATH Podcast
Ep #59: Save Money, Build Wealth and Just Keep Buying with Nick Maggiulli
Ep #206: The Gold Market: Strategies for Investing and Reselling with Trey Benedict
Ep #213: The 5 Types of Wealth with Sahil Bloom
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: podcast@allthehacks.com
Full Show Notes
(00:00) Introduction
(02:15) Big Misconception: Wealth vs. Income
(04:43) Why You Should Think About Wealth as a Ladder
(08:54) Level 1: Living Paycheck to Paycheck
(11:18) How to Grow Your Income in Level 2
(14:04) What Is the 0.01% Rule?
(18:43) Leveling Up from Level 3: Investing & Side Hustles
(21:21) The Risk of Overspending
(22:41) Nick's Research Data Sources
(24:15) The Difference Between Level 3 and Level 4
(29:44) Risks People Face at Level 3 and 4
(33:40) Transitioning from Level 4 to 5
(35:56) How to Manage Lifestyle Creep
(38:49) Level 5 and 6 of the Wealth Ladder
(40:24) The 5 Different Types of Wealth
(41:47) How Does Happiness Correlate with the Wealth Ladder?
(43:47) The Average Timeline to Climb Up the Wealth Ladder
(47:30) Using the 1% Rule to Evaluate Business Opportunities
(50:20) Accessing Travel Freedom Through Points & Miles
(52:36) Biggest Lessons Nick Learned on His Wealth Journey
(53:54) The Impact of Understanding the Wealth Ladder
(55:02) Where to Find Nick's Book and Other Work
Connect with Chris
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Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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#229: Your gut is the engine of your entire body, so today we break down how to keep it running smoothly with practical, evidence-backed tips. We cover the gut’s powerful role in digestion, immunity, and brain health while challenging common misconceptions about reflux, probiotics, and more.
Dr. Robynne Chutkan is a board-certified integrative gastroenterologist, bestselling author, and founder of the Digestive Center for Wellness. She’s the founder of Gutbliss and host of the Gutbliss Podcast, where she shares expert insights on digestive health and the microbiome.
Link to Full Show Notes: https://chrishutchins.com/improve-gut-health-dr-robynne-chutkan
Partner Deals
Quince: Affordable luxury essentials with free shipping + 365 day returns
DeleteMe: 20% off removing your personal info from the web
Superhuman: Free month of the fastest and best email with code ALLTHEHACKS
Vuori: 20% off the most comfortable performance apparel I've ever worn
Bilt Rewards: Earn the most valuable points when you pay rent
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Robynne: Gutbliss | Podcast | Gut Club
Books: The Microbiome Solution | Gutbliss | The Anti-Viral Gut | The Bloat Cure
Episode #13: Mama Jama Poos: Why you Need Them & How To Get Them
Books
Last Child in the Woods by Richard Louv
The Essential Book of Fermentation by Jeff Cox
Research
The Human Genome Project
American Gut Project
Testing
Jona Gut Microbiome Test
Tiny Health Adult Gut Test
Full Show Notes
(00:00) Introduction
(01:49) Why Gut Health Is a Critical Part of Our Health
(04:26) The Role of the Gut
(07:11) The Gut–Immune Connection
(10:15) Balancing Sanitation With Kids
(14:20) Ways to Assess Your Gut Health
(22:23) What the Research Worldwide Says About the Gut
(28:15) Gut Health Testing
(30:49) Foods That Are Good for Your Gut
(35:42) Prebiotics and Probiotics
(42:32) How Important Is Your Water Intake?
(43:32) The Impact of Animal Protein
(44:58) The Negative Effects of Artificial Sweeteners and "Zero" Calorie Drinks
(47:30) Is Dairy Good for Your Gut?
(49:12) What Healthy Poop Should Look Like
(53:24) The Ideal Pooping Position
(54:16) Tips to Achieve “Stool Nirvana”
(57:06) Good Gas vs. Bad Gas
(1:00:05) Aerophagia (Air Swallowing)
(1:02:34) Does the Smell of Gas Mean Anything?
(1:03:19) Why We Should Care About Gut Health
(1:05:17) The Key Takeaway
(1:07:24) Where to Find Dr. Chutkan and Her Work
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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228: A deep dive into Citi’s credit card lineup. I've recently opened up a few Citi cards and am very excited about sharing the best Citi cards, how to maximize ThankYou Points, the best airline and hotel transfer partners, and how Citi’s best two-card combo stacks up against other major issuers.
Link to Full Show Notes: https://chrishutchins.com/citi-credit-cards-thank-you-points
Partner Deals
Thrive Market: 30% off your first order of organic groceries + a free $60 gift
Facet: Personalized Financial Planning + $250 enrollment fee waived
Storyworth: Share your family stories in a custom book (+ $10 off)
LMNT: Free sample pack of my favorite electrolyte drink mix
Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Chris' Best Cards Page
Citi Cards Tier List
ThankYou® Points Cards
Citi Strata Premier℠ Card
AT&T Points Plus Card
Citi ThankYou® Mastercard®
Citi® Double Cash Card
Citi Custom Cash Credit Card
AAdvantage Cards
American Airlines AAdvantage® MileUp℠ Card
AAdvantage® Platinum Select® Airline Mastercard
AAdvantage® Executive World Elite Mastercard
AAdvantage Business™ World Elite Mastercard®
Costco Cards
Costco Anywhere Visa® Credit Card
Costco Anywhere Visa® Business Card
Other Citi Cards
Shop Your Way Mastercard
EVA Air
How to book Vacasa Vacation Rentals with Wyndham points
CardPointers Pro: 30% off here and 50% off here
ATH Podcast
Luxury Hotel Upgrade Program
Airline/Hotel Transfer Partner Spreadsheet
Credit Card Optimizer Tool
Membership: Join here
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: podcast@allthehacks.com
Full Show Notes
(00:00) Introduction
(02:10) Quick Intro of the Credit Card Tier List
(03:48) Review of Citi Strata Premier℠ Card
(06:49) AT&T Points Plus Card and Citi ThankYou® Mastercard®
(08:29) 2% Unlimited Cash Back: Citi® Double Cash Card
(10:23) Earn 5% Cash Back Using the Citi Custom Cash Credit Card
(12:35) The Citi–American Airlines Ecosystem
(16:08) American Airlines AAdvantage® MileUp℠ Card
(17:34) AAdvantage® Platinum Select® Airline Mastercard® Perks
(18:51) Lounge Access and Benefits: AAdvantage® Executive World Elite Mastercard®
(23:02) Why AAdvantage® Business World Elite Mastercard® Is Chris’ Favorite
(29:24) Are the Citi Costco Cards Worth It?
(33:12) Shop Your Way Mastercard
(38:13) Other Citi Cards Without Any Benefits
(39:18) ATH Member Deep Dive Discussions
(39:47) Citi Rules
(43:36) Citi ThankYou® Points Program
(44:31) Citi's Airline Partners
(46:31) Hotel Transfer Partners Unique for Citi
(49:20) Transfer Bonuses and Limitations
(52:17) High-Level Summary of Citi Cards
(53:09) Best Two-Card Combos for Each Issuer
(57:43) Factors That Make Citi Cards Less Exciting
(58:39) Citi Merchant Offers
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Learn more about your ad choices. Visit megaphone.fm/adchoices
#227: An actionable 4-step framework to master points and miles while maximizing personal value. We cover high-yield earning strategies like paying processing fees, bulk ordering, and leveraging business expenses, plus tactics for scaling award travel for multiple people. We also explore alternate pathways to earn and redeem points without chasing “perfection.”
Devon Gimbel is the founder of Point Me to First Class, an educational platform and podcast that teaches people to maximize their spending for extraordinary travel rewards. She is also a double-board certified physician.
Link to Full Show Notes: https://chrishutchins.com/rethinking-points-and-miles-devon-gimbel
Partner Deals
DeleteMe: 20% off removing your personal info from the web
Upwork: Free job posting to find, hire, and pay top freelance talent
NetSuite: Free KPI checklist to upgrade your business performance
Bilt Rewards: Earn the most valuable points when you pay rent
Green Chef: 50% off your first meal kit with code 50ALLTHEHACKS
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/
Resources Mentioned
Devon: Point Me To First Class | Podcast | Instagram
Free Starter Guide to Points
Dunning Kruger Curve
Payment Platforms
Plastiq
Melio
Zil Money (Coupon Code: ATH300)
Venmo Business
Airlines with Great Award Availability
Emirates
Condor
Singapore Airlines
Rakuten: $40 bonus here
Savewise: 20% off with ALLTHEHACKS20
ATH Podcast
Ep #166: Best Award Search Tools for Booking Flights with Points & Miles with Greg the Frequent Miler
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: podcast@allthehacks.com
Full Show Notes
(00:00) Introduction
(02:31) Devon's Non-Traditional Approach to the Points & Miles Game
(05:38) Stage 1: Peak of Mount Ignorance
(08:18) Stage 2: Valley of Despair
(09:41) Stage 3: Slope of Enlightenment
(13:06) One of the Biggest Mistakes People Make in the Points & Miles World
(14:47) Lessons from Chris' Skiing Experience
(21:03) Stage 4: Unconscious Competence
(23:48) Why the Learning Curve Never Stops
(27:08) Identifying High Yield Opportunities for Yourself
(29:54) How to Evaluate If Credit Card Fees Are Worth It
(38:43) The Importance of Understanding Earning Rates
(40:26) Ways to Leverage Business Expenses
(43:43) Maximizing Award Travel When Booking for Multiple People
(48:16) Airlines That Have Good Award Availability (Fifth Freedom Flights)
(55:00) Why You Should Practice Looking for Award Deals
(58:11) Rakuten Bulk Ordering to Earn Flexible Points
(1:01:37) Setting Alerts for Deals
(1:03:49) Alternate Pathways to Earn and Redeem Points
(1:09:12) Using a Venmo Business Profile to Make Payments
(1:10:13) Where to Find Devon
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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#226: From optimizing travel and rewards to new ways to earn points, Chris shares some recent tactics he's picked up on upgrades and award travel. He also covers some flight deals, airline changes, Mother's Day gift ideas, and reflects on recent podcast episodes.
Link to Full Show Notes: https://chrishutchins.com/optimizing-vacations-and-new-ways-to-earn-points
Partner Deals
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MasterClass: Learn from the world's best with 15% off
Vuori: 20% off the most comfortable performance apparel I've ever worn
LMNT: Free sample pack of my favorite electrolyte drink mix
Bilt Rewards: Earn the most valuable points when you pay rent
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Vacation Homes
Pacaso: Free early access and $2,500+ in closing credits here
THIRDHOME
Exclusive Resorts
ATH Hotel Upgrade Program (Password: Perks | Tutorial)
Lanai
Four Seasons Resort
Sensei
Maui
Montage Kapalua Bay
Maui Nui: 20% off with code ALLTHEHACKS
Merriman's: Point Menu | Monkeypod Kitchen
NordVPN: 4 months free here
United’s MileagePlus Program Showing More Awards if You Change This 1 Setting
Flight Award Search Tools
point.me: 20% off annual plans with code ALLTHEHACKS20
AwardTool: $20 off annual plans with code ALLTHEHACKS
Seats.Aero
Southwest Assigned Seating
Business Payment Platforms
Plastiq ← my referral
Melio ← my referral
Zil Money
Last Call: 100k Welcome Bonus Offer
Mother’s Day Gift Ideas
Ratio Coffee Machines
Storyworth: $10 off here
Aura Frames: $35 off + free shipping with code ATH
Zeel: $25 off here
Initial Necklaces: Gorjana Wilder Necklace | Maya Brenner
Real ID: Acceptable Identification at the TSA Checkpoint
ATH Podcast
Ep #224: Airport Lounges: Getting In, Hidden Perks and Expert Tips with Kevin Song
Ep #225: Optimize Your Oral Health for a Longer Life with Dr. Mark Burhenne
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: podcast@allthehacks.com
Submit a question for the next AMA here
Full Show Notes
(00:00) Introduction
(02:00) Finding Accommodation in Hawaii
(05:37) Overlooked Hotel Upgrade Options
(13:05) Strategy to Book Flights to Hawaii: Cash vs. Points
(20:44) Chris' Experience Flying Hawaiian Business Class
(22:48) The Impact of Having Starlink on Your Flight
(25:04) Review of Four Seasons Lanai
(29:29) The Experience at Montage Kapalua Bay
(34:28) Underrated Hotel Perks
(39:58) Why Chris Is a Big Fan of Hawaiian Airlines
(42:13) Follow-Up to Lounge Access Episode #224
(43:07) Why You Should Use a VPN to Book Flights
(44:29) Flight Award Inventory Trick
(45:21) Upgrading Credit Cards for Bonuses and Free Nights
(46:51) Weird Emirates Updates
(48:10) Big Southwest Changes
(52:18) Updates from Bilt
(55:03) Leveraging Business Expenses
(57:05) Exciting Credit Card Welcome Offers
(58:44) Mother's Day Gift Ideas
(1:01:27) Reminder: Real ID Deadline
(1:02:20) Feedback on Oral Health Episode #225
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Learn more about your ad choices. Visit megaphone.fm/adchoices
#225: Learn how to optimize your oral health to prevent disease and improve your overall health. We cover the ideal oral care routine, negative impacts of mouth breathing, the truth about fluoride, the role of nutrition and diet, how to choose the right dentist, dental coverage options, and so much more.
Dr. Mark Burhenne is a functional dentist, author, and the founder of Ask the Dentist, a go-to resource for evidence-based oral health education. He is also the co-founder of Fygg, a toothpaste that protects the oral microbiome while remineralizing and whitening teeth.
Link to Full Show Notes: https://chrishutchins.com/oral-health-dr-mark-burhenne
Partner Deals
Aura Frames: $35 off + free shipping on the Carver Mat digital picture frame with code ATH
Daffy: Free $25 to give to the charity of your choice
Stable: 50% off your first year of my favorite digital mailbox
Copilot: Free 2 months access to my favorite personal finance app with code HACKS2
DeleteMe: 20% off removing your personal info from the web
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Dr. Mark: Instagram | Newsletter
Fygg Toothpaste: Get 15% off with code ALLTHEHACKS
Book: The 8-Hour Sleep Paradox
Ask the Dentist: Podcast | Dentist Directory
How To Floss The Right Way
How to Find a Good Dentist: 7 Tips + 10 FAQs
No dental insurance? Here’s what to do. (Margarita Plan)
Is it safe to get dental work done outside the U.S.?
Podcast Episode #78: What Are the Safest Ways to Whiten My Teeth?
Bristle Oral Health Test: Get 10% off here
Metastudy on Flouride Efficacy
Happy ppl Xylitol Gum
Sonicare Electric Toothbrushes
RADIUS Natural Silk Floss
Slate Rechargeable Electric Flosser: Get 10% off here
Fluoride Action Network
ATH Podcast
Ep # 178: How a Simple Change Can Improve Your Health, Sleep and More with James Nestor
Ep #215: Medical Travel: Better Care and Lower Costs for Surgery, IVF, Dental, Advanced Screenings and More with Josef Woodman
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: podcast@allthehacks.com
Full Show Notes
(00:00) Introduction
(02:20) Is Good Oral Health a Sign of Longevity?
(04:30) How Inflammation in the Mouth Affects the Entire Body
(08:16) Factors That Influence the Oral Microbiome
(10:47) The Connection Between Cavities and Mouth Breathing
(15:07) Thoughts on Mouth Taping
(16:00) Foods That Are Bad for Your Oral Health
(20:13) Ways to Test Your Oral Health
(22:25) Things to Avoid if You Want Good Oral Health
(25:14) The Ideal Daily Oral Care Routine
(28:47) Regular vs. Electric Toothbrushes
(32:03) How to Floss Right
(36:10) A Quick Overview of Toothpaste
(40:53) Ingredients to Look for in Your Toothpaste
(43:12) Is Fluoride Actually Bad for Your Teeth?
(46:08) How to Find a Good Dentist
(48:43) How Often Should You Get Your Teeth Cleaned?
(50:54) Dental Insurance vs. Dental Plans
(56:31) Why Your Dentist Might Be Influenced by Your Dental Insurance
(1:03:19) Dental Tourism
(1:04:29) Rapid Fire Questions
(1:10:40) Where to Find Dr. Mark
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Learn more about your ad choices. Visit megaphone.fm/adchoices
2:38 start
16:45 travel benefits
4:50 start
34:43 devaluations
22:28
2:15 start
41:07
21:53
2:52 start
1:00:55
32:10 3 majors
2:00
20:17
3:35
4:30 travel tips
45:35 takeaways
30:20 excursions
19:35
سبحان الله و الحمدلله و لا اله الا الله و الله اکبر 🇵🇸❤️🇮🇷 Free Palestine boom boom Tel Aviv
12:18 travel portals