#284: Chris breaks down the credit card benefits that save real money but rarely get attention, from getting a cracked iPhone repaired for free to purchase protections, travel coverage, and a deep bench of lesser-known perks. Learn exactly which card to reach for on every purchase, so you're always covered and never leaving money on the table.

Link to Full Show Notes: ?https://chrishutchins.com/hidden-credit-card-benefits-2026/?

Partner Deals

Fora: ?Become a Fora Advisor today?

Bilt Rewards: ??Earn the most valuable points when you pay rent?

Mercury: ?Help your business grow with simplified finances?

Quince: ?Affordable luxury essentials with free shipping + 365 day returns?

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

Tools & Apps

?CardPointers: 30% off? (50% off for ?ATH Members?)?GigSky??The Cultivist?

Benefit Programs

?Sapphire Tables (via OpenTable)??Resy??Mastercard Priceless??Visa Universal Studios discounts??SoFar Sounds??Troon Rewards??Discover Cash at Checkout??Amex Venmo Send and Split?

ATH Podcast

Ep #66: ?Rental Cars: Saving Money, Avoiding Fees and All the Secret Tricks with Jonathan Weinberg?Ep #113: ?Unlocking the Power of Plastic: Maximizing Your Hidden Credit Card Benefits?Ep #221: ?Deep Dive on Credit Reports, Scores, and Their Real-World Impact?Ep #224: ?Airport Lounges: Getting In, Hidden Perks and Expert Tips with Kevin Song?Ep #283: ?Do You Actually Need Travel Insurance???Hotel Upgrade Program??Best Cards Page??Gift Cards Page??Newsletter?AMA: ?Submit Questions?Leave a review: ?Apple Podcasts? | ?Spotify?Email for questions, hacks, deals, and feedback: [email protected]?

Full Show Notes

(00:00) Introduction

(02:15) Purchase Benefits Overview

(02:36) Purchase Protection: Coverage for Damaged or Stolen Items

(05:15) How Extended Warranty Protection Works

(06:36) Return Protection for Items Stores Won?t Take Back

(07:55) When Price Protection Can Save You Money

(12:27) Travel Benefits Overview

(12:46) Trip Cancellation & Interruption Insurance

(13:22) Trip Delay Coverage

(13:47) Delayed Luggage Reimbursement

(14:04) Lost and Damaged Bag Insurance

(16:01) Rental Car Coverage: Primary vs. Secondary Insurance

(21:37) Emergency Medical Coverage While Traveling

(22:54) Non-Emergency Medical and Dental Coverage

(23:22) What Travel Accident Insurance Actually Covers

(23:53) Lounge Access Across Issuers and Networks

(25:06) Booking the Luxury Hotel Collections for Free Perks

(29:34) Free International Data and Roaming Benefits

(31:46) Global Entry, TSA PreCheck & Trusted Traveler Credits

(32:29) Cell Phone Protection Benefits

(35:12) How to Maximize Card-Linked Offers

(36:16) Automating Card-Linked Offers With CardPointers

(37:26) What Credit Card Concierge Services Can Actually Do

(38:49) Free Credit Scores and Credit Monitoring Tools

(40:06) The Chase Instacart Benefit (and How to Stack It)

(45:18) The Chase DoorDash Benefit

(47:31) Exclusive Restaurant Reservation Programs

(48:30) American Express Uber Benefits

(49:14) Lyft Perks for Mastercard Holders

(49:43) Capital One Entertainment and Drink Benefits

(50:24) Free Museum Access With Bank of America and Capital One

(52:22) Experience and Entertainment Programs

(54:11) Getting Cash Out of Your Credit Card Benefits

(55:50) Instant Approval and Virtual Card Numbers

(58:02) Visa Network Benefits Worth Knowing

(59:26) Mastercard Network Perks: Transit, Peacock, Airport Fast Track & Soho Friends

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.

#283: Learn exactly when to buy travel insurance and when your credit cards already have you covered. Chris breaks down what travel insurance covers, how those benefits compare to the coverage built into popular credit cards, and when it makes sense to buy additional protection. Plus, what US health insurance actually covers abroad, and specialty policies worth getting for medical evacuation, scuba diving, and trips off the beaten path.

Link to Full Show Notes: ?https://chrishutchins.com/travel-insurance

Partner Deals

Zocdoc: ?Find and instantly book a doctor you love today?
DeleteMe: ??20% off removing your personal info from the web?

Gelt: ??Skip the waitlist on personalized tax guidance to maximize your wealth?

Wispr Flow: ??Try effortless voice dictation for free?

Fabric: ??Affordable term life insurance for you and your family?

For all the deals, discounts and promo codes from our partners, go to: ??chrishutchins.com/deals?

Resources Mentioned

Credit Cards:

Best Cards Page ?June's Best Welcome Offers?

Travel Insurance Providers

?Allianz Travel Insurance??Berkshire Hathaway Travel Protection??Travel Guard??World Nomads??Travel Insured International??Blue Cross Blue Shield Travel Insurance (BCBS Global Solutions)??Squaremouth?

Medical Evacuation & Specialty Coverage

?Medjet??Global Rescue??AirMed??Covac Global??Redpoint Travel Protection??American Alpine Club??Divers Alert Network (DAN)??Garmin SAR Insurance?

Health Insurance Resources

?Blue Cross Blue Shield Global Core??Kaiser Permanente International Coverage??Christian Healthcare Ministries??Medicare Plan G / Medigap (Medicare.gov)??LifeX Research?

ATH Podcast

Ep #277: ?The Japan ER Visit That Changed How We Travel (& Tokyo Disney) with Amy Fox?Ep #113: ?Unlocking the Power of Plastic: Maximizing Your Hidden Credit Card Benefits??Newsletter?Leave a review: ?Apple Podcasts? | ?Spotify?Email for questions, hacks, deals, and feedback: [email protected]?

Full Show Notes

(00:00) Introduction

(01:30) What Trip Cancellation Insurance Actually Covers

(04:41) How Trip Change and Interruption Coverage Works

(05:40) Reimbursement Limits for Trip Delays

(06:39) Lost and Delayed Bag Coverage Explained

(08:01) Emergency Medical Evacuation & Repatriation Coverage

(09:24) Political Security and Disaster Evacuation Coverage

(09:49) Medical and Dental Expense Limits While Abroad

(10:11) How Accidental Death and Dismemberment Insurance Works

(10:27) Travel Insurance Add-Ons Worth Considering and a High-Level Recap

(13:38) Pricing Out Real Policies for a Two-Week Europe Trip

(17:24) Coverage You Likely Already Have vs. Unique Policies Worth Buying

(18:18) What Counts as a Premium Credit Card?

(18:58) How Cards Stack Up on Trip Cancellation and Interruption

(21:32) Coverage for Award Flights Booked with Points

(28:10) Price Drop Protection

(28:46) Where Credit Card Trip Delay Coverage Beats Travel Insurance

(30:05) Delayed Luggage Coverage on Premium Cards

(31:41) Lost Bag Protection & Reimbursement Limits

(34:02) Emergency Evacuation Benefits Included with Credit Cards

(37:07) What Travel Accident Insurance Really Pays Out

(39:07) When Standalone Travel Insurance Makes More Sense

(39:31) Emergency Medical Coverage While Traveling Abroad

(40:11) Rental Car Coverage and Primary vs. Secondary Insurance

(46:12) What Credit Cards Cover Well

(47:27) What US Health Insurance Actually Covers Abroad

(50:54) How Health Sharing Plans Handle International Travel

(51:43) Understanding Medicare Coverage Abroad

(53:13) Handling Non-Emergency Medical Issues Overseas

(56:22) Getting Evacuated to the Hospital of Your Choice

(59:21) Specialty Coverage for Search and Rescue

(01:00:57) Why Scuba Divers Need a Dedicated Membership

(01:02:07) Travel Insurance Takeaways & Final Recommendations

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.

#282: When does optimization stop helping and start hurting? Chris shares how a string of seemingly smart decisions had him pouring hours into marginal gains that never materialized. He unpacks the hidden cost of optimization, the role AI plays in amplifying it, and how he's learning to focus on what actually moves the needle.

Link to Full Show Notes: https://chrishutchins.com/optimizing-is-my-kryptonite/

Partner Deals

NetSuite: ??Free KPI checklist to upgrade your business performance?

Superhuman: ??Free month of the fastest and best email with code ALLTHEHACKS?

Green Chef: ??50% off your first month + 20% off for two months with code 50ALLTHEHACKS?

Upwork: ??Free job posting to find, hire, and pay top freelance talent?

Mercury: ??Manage, move, and grow your money?

For all the deals, discounts and promo codes from our partners, go to: ??chrishutchins.com/deals?

Resources Mentioned

Articles & Podcasts

?Every?After Automation: ?Article? | ?Podcast?

Tools & Apps

?PointsPath? (use code ALLTHEHACKS15 for 15% off Pro)?Autopilot? (first $100 in savings free)?Claude??ChatGPT??Deep Personality?

Services

?Clickables?

Events

?Points Travel Festival?

ATH Podcast

#181: ?Making an Easy $3k/mo from Online Deals with Kai?#273: ?Stop Overthinking and Start Deciding with Derek Sivers??Builder Community??Membership??Best Cards Page??Newsletter?Leave a review: ?Apple Podcasts? | ?Spotify?Email for questions, hacks, deals, and feedback: [email protected]?

Full Show Notes

(00:00) Introduction
(01:26) Why Chris Feels Like He Has Zero Free Time
(08:18) The Cabo Flight Booking Rabbit Hole
(10:33) Building an AI Framework for Booking Travel
(11:11) Chasing an Extra 15% Off With a United Card
(12:49) When Optimizing Costs More Than the Original Price
(15:53) Why Video Is Eating So Much of the Podcast's Time
(18:56) The Endless Pursuit of Better YouTube Thumbnails
(25:50) Recognizing the Real Cost of Over-Optimization
(26:32) What AI Revealed About Why Chris Over-Optimizes
(27:51) The Psychology Behind Chasing the Best Deal
(30:02) Is AI Making Optimization Better or Worse?
(31:11) Buying Back Time
(31:39) A New Philosophy for Booking Flights
(33:30) Tools That Help You Optimize Without the Mental Overhead
(36:29) Chris? New Flight Booking Rules
(37:03) Re-Optimizing Work to Create More Free Time
(38:14) The Paper "Star" System for Catching Rabbit Holes
(42:20) Revisiting Old Lessons
(44:09) Using Technology to Audit How You Spend Your Time

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.

#281: Chris shares the full playbook he used to take control of his health after digging into his biomarkers. He breaks down which tests are actually worth your money and when each one matters. Plus, how he built a personal health AI from his own medical records to surface what doctors missed.

Link to Full Show Notes: ?https://chrishutchins.com/personal-health-ai-diagnostics/.?

Partner Deals

DeleteMe: ??20% off removing your personal info from the web?

Fora: ?Become a Fora Advisor today?

Copilot Money: ??Free 2 months access to my favorite personal finance app with code HACKS2?

Gelt: ??Skip the waitlist on personalized tax guidance to maximize your wealth?

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

Doctors & Medical Practices

?PrimaryMD??One Medical??Blueberry??Zocdoc?

Biomarker & Blood Testing

?Function Health??SuperPower??InsideTracker??InstaLab??Ulta Lab Tests??Quest Diagnostics??Labcorp?

Specialized Diagnostics

?Nucleus??23andMe??Levels??Prenuvo?

Health Data Aggregators & AI Tools

?Apple Health??Google Health??Epic??Claude??ChatGPT??Gemini??PubMed?

Tech & Wearables

?Oura Ring??Whoop?

ATH Podcast

#097: ?Optimizing Your Health: Diagnostic Tests, Choosing a Doctor, Sleep, Longevity, Inflammation and More with Dr. Jordan Shlain??Newsletter?Leave a review: ?Apple Podcasts? | ?Spotify?Email for questions, hacks, deals, and feedback: [email protected]?

Full Show Notes

(00:00) Introduction

(00:46) Chris' Lifelong Battle with High Cholesterol

(07:20) Switching to a More Proactive Doctor

(09:39) Family Medical History: The Cheapest Diagnostic Tool

(10:59) Why ApoB and Lp(a) Belong on Every Lipid Panel

(17:04) Detecting Soft Plaque with a CT Angiogram

(20:02) Moving Beyond Statins for Better Cholesterol Control

(21:46) How Chris Got a $500/Month Drug Covered by Insurance

(25:11) Branching Out to Other Health Diagnostics

(26:15) Comparing the Major Biomarker Blood Work Services

(32:31) What Whole Genome Sequencing Actually Tells You

(34:36) The Real Value of Continuous Glucose Monitoring

(36:08) Getting a Full-Body Skin Scan from a Dermatologist

(36:32) Using a DEXA Scan to Baseline Body Composition

(37:17) Benchmarking Fitness with a VO2 Max Test

(37:51) The Case For (and Against) a Prenuvo Whole-Body MRI

(39:51) Why You Still Need a Human Doctor in the Loop

(44:02) Finding the Right Primary Care Setup for Your Budget

(46:21) The Health Basics Worth More Than Any Fancy Test

(48:40) Building a Personal Health AI From Your Medical Records

(56:56) Smarter Ways to Track Your Diet with AI

(01:01:43) Why Chris Records Every Doctor's Appointment

(01:02:25) Final Takeaways on Modern Health Diagnostics

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.

#280: Learn how to dramatically improve your odds of getting approved for the credit cards you actually want. Chris breaks down the hidden system every bank uses to evaluate applications, why your credit score matters far less than what's on your report, and the real factors driving denials, from credit-to-income ratios to recent inquiries to each issuer's internal model. He also walks through what to do before you apply, how to sequence applications across issuers, and the right moves to make after a denial.

Link to Full Show Notes: https://chrishutchins.com/credit-card-approval-strategy

Partner Deals

Quince: ?Affordable luxury essentials with free shipping + 365 day returns?

Mercury: ?Help your business grow with simplified finances?

Wispr Flow: ??Try effortless voice dictation for free?

Fabric: ??Affordable term life insurance for you and your family?

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

?The Atmos? Rewards Visa Summit Card??The Business Platinum Card® from American Express??Southwest Rapid Rewards® Plus Credit Card??Capital One Venture X Business??Capital One Venture X Rewards Credit Card??Capital One Spark Cash Plus?

Tools & Resources

?Doctor of Credit??MyFICO Forums??LexisNexis?

Articles

?Complete Guide to Credit Card Application Rules by Bank?

ATH Podcast

#221: ?Deep Dive on Credit Reports, Scores, and Their Real-World Impact?#228: ?Deep Dive on Citi Credit Cards and ThankYou Points (Best 2-Card Combo)?#236: ?Deep Dive on Amex Credit Cards and Membership Rewards Points?#242: ?Deep Dive on Capital One Credit Cards and Miles (+ Why I Love Them)?#247:?Deep Dive on Bank of America Credit Cards (Up to 5.25% Cash Back)??Best Cards Page?AMA: ?Submit A Question??Newsletter?Leave a review: ?Apple Podcasts? | ?Spotify?Email for questions, hacks, deals, and feedback: [email protected]?

Full Show Notes

(00:00) Introduction

(03:50) Why Chris Lets His Cards Report High Balances

(05:06) When Your Credit Score Actually Matters

(05:53) Why Business Cards Stay Off Your Credit Report

(06:39) What Actually Counts as a Business

(10:55) How Your Credit-to-Income Ratio Drives Approvals

(14:48) What Your Payment History Reveals

(15:08) Why Recent Inquiries Can Sink Your Application

(17:44) The Chase 5/24 Rule Explained

(18:44) The Hidden Internal Models Banks Use

(19:18) Diagnosing a Listener's Surprise 820-Score Denial

(24:56) What to Check Before You Hit Submit

(25:55) Sequencing Business Card Applications for Approval

(28:05) The Best Personal Card Offers Right Now

(28:50) Why a Checking Account Can Boost Your Odds

(30:10) Using Frozen Credit Bureaus to Your Advantage

(32:37) Tag-Teaming Applications With a Partner

(33:32) Why Last-Minute Fixes Don't Work

(34:32) Using Pre-Qualification Tools to Avoid Hard Pulls

(34:49) Cutting Unnecessary Credit to Get Approved

(35:27) What Actually Happens After a Denial

(40:54) When It Makes Sense to Close a Card

(44:26) The Hidden Value of Card-Linked Offers

(46:15) Every Major Bank's Application Rules

(48:45) The Mindset Shift That Changes Everything

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.

#279: Learn to handle market volatility and build long-term wealth in a world dominated by AI disruption, market fear, inflation concerns, and nonstop financial noise. Chris and Ben discuss why investing remains psychologically difficult, how to think about global diversification, when to reevaluate your portfolio, and the risks most investors still overlook.

Ben Carlson is the Director of Institutional Asset Management at Ritholtz Wealth Management and the author of five books on investing, including his newest, Risk and Reward. He's the creator of the blog A Wealth of Common Sense and co-host of the Animal Spirits podcast.

Link to Full Show Notes: https://chrishutchins.com/risk-market-volatility-ben-carlson

Partner Deals

Thrive Market: ?30% off your first order of organic groceries + a free $60 gift

Upwork: ?Free job posting to find, hire, and pay top freelance talent

DeleteMe: ?20% off removing your personal info from the web

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

Ben Carlson: Website | X

Book: Risk and RewardPodcast: Animal Spirits

A Longer Life Can Lead to Financial Concerns, and More Questions

The Millionaire Next Door by Thomas Stanley and William Danko

Roger Federer's 2024 Dartmouth Commencement Address

ATH Podcast

#128: The Psychology of Money with Morgan Housel#174: Secrets of Success in Life and Work with Legendary Silicon Valley Investor Andy RachleffNewsletterLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(00:49) Why Investing Is Still So Hard for Most People

(01:37) How Today's Media Makes Markets Feel Scarier Than Ever

(02:51) The Core Idea Behind Ben?s New Book

(05:10) What Japan's Lost Three Decades Teach Long-Term Investors

(08:50) Why You Need Exposure Beyond Your Home Market

(10:18) Will AI Reshape Global Markets or Just U.S. Stocks?

(14:01) Could a Dot-Com-Style Crash Happen Today?

(15:57) Why AI Could Still Trigger the Next Bubble

(17:57) Focus on What You Can Control, Not What You Can't

(19:16) The Worst-Case Inflation Scenario of the 1970s

(21:47) How to Think About Inflation in Today's Economy

(23:36) The Inflation Hedges Most People Already Have

(26:58) How to Filter the Noise and Stay Long-Term

(33:31) The Penalty Kick Study and Why We Hate Doing Nothing

(35:08) When It's Actually Time to Reevaluate Your Plan

(36:49) Planning Your Career and Money for an AI Future

(43:33) Why Optimism Is a Long-Term Investing Edge

(47:25) The Tax Alpha Most Investors Are Missing

(50:05) Applying These Lessons Closer to Retirement

(51:53) The Risks Most Investors Forget to Plan For

(56:50) The First Move to Rethink Your Risk Profile Tonight

(59:42) Where to Find Ben and His New Book

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.

#278: Is AI making it possible for the average person to live a fully optimized life? Chris and Anish swap notes on how custom AI tools are replacing years of spreadsheets, and reshaping the way we work, learn, create, and relate to each other. They dig into why Chris has abandoned OpenClaw, the architecture mistakes almost everyone is making, and what happens when the subsidies on all these tools eventually go away.

Anish Acharya is a general partner at Andreessen Horowitz, where he leads consumer and AI-native investing.

Link to Full Show Notes: https://chrishutchins.com/ai-tools-spreadsheets-anish-acharya/

Partner Deals

Bilt Rewards: ?Earn the most valuable points when you pay rent

Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS

NetSuite: ?Free KPI checklist to upgrade your business performance

Mercury: ?Manage, move, and grow your money

Fora: Become a Fora Advisor today

For all the deals, discounts and promo codes from our partners, go to: ?chrishutchins.com/deals

Resources Mentioned

AI tools and platforms

ClaudeOpenAI CodexChatGPTGeminiPerplexity ComputerCursorOpenClaw

Tools Chris is using in his stack

CardPointers1PasswordZapierApple HealthNotionDropbox

Travel and points tools

Google FlightsSeats.aeroRoame

ATH Podcast

#265: I Built an AI Assistant That Works While I Sleep#275: The Custom Everything Era with Kevin RoseNewsletterLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(02:08) How Chris Replaced His Award-Flight Spreadsheets With an Agent

(04:20) Why Your AI Setup Should Be Platform-Agnostic

(07:13) Why Sub-Agents Don't Actually Make Sense

(13:29) Skills, Connectors, Projects, and Channels Explained

(17:29) Anish on the Two Big Breakthroughs: Coding Agents and Personal Agents

(18:29) Zero Marginal Cost of Doing Work

(21:01) Will Knowledge Get Less Democratized in the AI Era?

(22:17) The Four Layers of Personal AI: Knowledge, Data, Trust, and Connection

(24:35) The Black Pill: Do Most People Have Enough Agency for This?

(26:29) How Chris Connected His Own CardTool App to Claude

(32:07) The Family Video Montage Built From iMessages and Photos

(33:51) Reverse-Prompting and Breaking Tasks Into Discrete Steps

(36:35) Is AI Making Us More Connected, or Less?

(41:45) The Coming Flood of Bill Disputes, Appeals, and Speeding Tickets

(44:52) Gemini, OpenAI Apps, and Claude Connectors Compared

(47:03) The Hidden Power of Zapier's MCP Server

(50:20) Managing Logins and Sensitive Data Without Losing Sleep

(53:20) What's Still Not Possible With AI Today

(56:56) The Gell-Mann Amnesia Effect Applied to AI

(01:00:11) The Subsidies Behind Your $20 ChatGPT Plan

(01:04:59) Evaluating the Actual Cost of AI

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.

#277: The last morning of our Japan trip turned into a sprint to a Tokyo emergency room, and challenged what we thought we knew about traveling abroad. We break down what a Japanese ER really cost, credit card benefits most travelers don't know they have, the best places to shop in Japan right now, and how to navigate Disney Tokyo without losing your day to four-hour lines.

Link to Full Show Notes: https://chrishutchins.com/japan-with-kids-er-visit-tokyo-disney/

Partner Deals

Copilot Money: ?Free 2 months access to my favorite personal finance app with code HACKS2

Gelt: ?Skip the waitlist on personalized tax guidance to maximize your wealth

Fabric: ?Affordable term life insurance for you and your family

DeleteMe: ?20% off removing your personal info from the web

Storyworth: Share your mother's stories in a custom book (+ up to $20 off)

For all the deals, discounts and promo codes from our partners, go to: ?chrishutchins.com/deals

Resources Mentioned

Flights & Award Booking

Japan AirlinesFinnairAviosAmerican AirlinesAward ToolSeats.aero

Hotels

Park Hyatt TokyoHilton Tokyo BayDisney Ambassador HotelAirbnb

Activities

teamLabKidZaniaTokyo DisneylandTokyo DisneySea

Luggage & Transportation

Yamato TransportRideSafer Travel VestSuica CardTakuhaibin Delivery Services

Technology & Planning

ClaudeClaude CodeCodexGoogle Maps offlineGoogle TranslateT-Mobile

Shopping

MujiDon Quijote (Donki)LoftTakashimayaARC5 PALM-Sized 5-Blade Electric Luxury RazorKeana Rice Pack face mask

Food & Dining

7-Eleven JapanFamilyMartKoffee MameyaAfuri RamenRokurinshaMos Burger

Credit Cards

Bank of America® Atmos? Rewards Summit Visa Infinite® Credit CardChase Sapphire Reserve®The Platinum Card® from American Express

ATH Podcast

AMA: Submit A QuestionLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(01:20) The Chaotic Last Day ? and Why a Great Hotel Concierge Changes Everything

(06:01) What Happened When We Had a Medical Emergency in Japan

(14:05) Rethinking Which Credit Card to Use for Booking International Travel

(17:48) Why Japan Is One of the Best Places to Shop Right Now (and What to Buy)

(27:32) DisneySea vs. Disneyland Tokyo

(28:34) The Disney Lines Strategy: Premier Access, Vacation Packages, and Happy Entry

(35:25) The Popcorn Hack and Other Only-in-Japan Disney Tips

(41:54) Trip Highlights, Honest Regrets, and How We Handle Jet Lag

(45:01) How Letting Go of "Once-in-a-Lifetime" Made the Trip Better

(48:26) Don't Be Afraid to Ask for What You Need

(49:48) The One-Day Buffer That Makes Every Trip Better

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.

#276: Learn how Chris and Amy booked four nonstop business class seats and a week at the Park Hyatt Tokyo almost entirely on points. They break down the strategy, key takeaways for traveling with kids, Chris' AI-powered trip planner, and more. 

Link to Full Show Notes: https://chrishutchins.com/50k-points-japan-trip

Partner Deals

Upwork: ?Free job posting to find, hire, and pay top freelance talent

Wispr Flow: ?Try effortless voice dictation for free

Fora: Become a Fora Advisor today

MasterClass: ?Learn from the world's best with 15% off

Aura Frames: $25 off the Carver Mat with code ALLTHEHACKS

For all the deals, discounts and promo codes from our partners, go to: ?chrishutchins.com/deals

Resources Mentioned

Flights & Award Booking

Japan AirlinesFinnairAviosAmerican AirlinesAward ToolSeats.aero

Hotels

Park Hyatt TokyoHilton Tokyo BayDisney Ambassador HotelAirbnb

Activities

teamLabKidZaniaTokyo DisneylandTokyo DisneySea

Luggage & Transportation

Yamato TransportRideSafer Travel VestSuica CardTakuhaibin Delivery Services

Technology & Planning

ClaudeClaude CodeCodexGoogle Maps offlineGoogle TranslateT-Mobile

Credit Cards

Bank of America® Atmos? Rewards Summit Visa Infinite® Credit CardChase Sapphire Reserve®The Platinum Card® from American Express

Shopping

MujiDon Quijote (Donki)LoftTakashimayaARC5 PALM-Sized 5-Blade Electric Luxury RazorKeana Rice Pack face mask

Food & Dining

7-Eleven JapanFamilyMartKoffee MameyaAfuri RamenRokurinshaMos Burger

ATH Podcast

AMA: Submit A QuestionLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(01:59) Why Booking Business Class to Japan a Year Out Actually Works

(16:46) What Our Hyatt Points Are Worth Now ? and After the Upcoming Devaluation

(20:37) Why We Stayed in Tokyo the Entire Trip (and Why We're Glad We Did)

(25:43) Why TeamLab Should Be on Every Asia Itinerary

(26:46) How to Save on Phone Data Abroad and the Rookie Mistake to Avoid

(27:31) How We Used AI to Build a Real-Time Trip Guide Before We Even Landed

(35:58) Japan Airlines Business Class Review

(38:56) Inside the Freshly Renovated Park Hyatt Tokyo

(45:37) Is the Park Hyatt Tokyo's Location Actually a Problem?

(51:03) Did the Cherry Blossoms Live Up to the Hype?

(53:57) Why Japan's Bathrooms, Vending Machines, and Convenience Stores Are a Revelation

(56:09) Cash, Cards, and Transit: How to Pay Your Way Through Japan

(57:45) What We Learned About Traveling Tokyo with Kids

(59:19) Why Food in Japan Is Just Better (Even at 7-Eleven)

(01:00:51) KidZania Tokyo: The Best Kid Experience You've Never Heard Of

(01:05:26) Why Japan's Bag-Forwarding Service Is a Game Changer for Families

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.

#275: Chris and Kevin dig into how they're actually using AI tools in their daily lives right now. They explore real-world AI use cases, the tradeoffs of sharing personal data, the collapse of trust online, and what all of this means for jobs, creativity, and human connection.

Kevin Rose is the host of Diggnation and a partner at True Ventures, an early-stage venture capital firm that has invested over $4 billion in a portfolio of over 400+ founders. Kevin previously founded Zero and Oak, and was a partner at Google Ventures.

Link to Full Show Notes: https://chrishutchins.com/using-ai-tools-today-kevin-rose

Partner Deals

Aura Frames: $25 off the Carver Mat with code ALLTHEHACKS

NetSuite: ?Free KPI checklist to upgrade your business performance

Quince: Affordable luxury essentials with free shipping + 365 day returns

Bilt Rewards: ?Earn the most valuable points when you pay rent

Mercury: Help your business grow with simplified finances

For all the deals, discounts and promo codes from our partners, go to: ?chrishutchins.com/deals

Resources Mentioned

Kevin Rose: Diggnation | Newsletter

AI Tools & Platforms

ClaudeOpenClawChatGPTGoogle GeminiElevenLabsVercel

Japan Travel

Craig Mod's BlogPark Hyatt TokyoKidZania Tokyo

Articles & Pop Culture

Leica and Content Authenticity InitiativeAll-In Podcast episode with Travis KalanickThe PittJoker Greeting

ATH Podcast

NewsletterGift Card SiteLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) - Introduction (01:07) - Are We Actually Saving Time with AI?or Just Wasting It Faster? (10:03) - The Real Risks of Sharing Your Data with AI Tools (21:18) - Why It?s Never Been Easier to Build and Create (28:12) - Has AI Content Already Gone Too Far? (37:37) - How AI Is Reshaping Human Interaction (40:43) - The Growing Need to Verify What?s Real (46:33) - Investing in a World Being Disrupted by AI (51:44) - Where Jobs Are Headed in the AI Era (55:02) - What Happens to Art When Anyone Can Create? (56:47) - Tips for Planning a Trip to Japan

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

#274: Chris walks through the complete history of points and miles and breaks down the $140 billion machine behind them, so you can get more out of every point you earn. He covers the legal accidents that made credit cards wildly profitable, why loyalty programs are worth more than the airlines, the psychology behind why you keep hoarding points, and more. 

Link to Full Show Notes: https://chrishutchins.com/history-of-points-and-miles

Partner Deals

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Fabric: ?Affordable term life insurance for you and your family

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

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

Movie:  The Man From The Diners Club

Book: Mileage Maniac by Steve Belkin

Video: How Airlines Quietly Became Banks

Articles

Credit-card cash reshapes US airline loyalty ? and profit by ReutersInterview with Matty Simmons by The Saturday Evening PostWho Pays For Your Rewards? Redistribution in the Credit Card Market by Agarwal, Presbitero, Silva, and Wix

ATH Podcast

Best Cards PageAMA: Submit A QuestionLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction
(00:53) The Very Beginning of Points & Miles
(04:07) How Credit Cards Came to Exist
(08:24) The Legal Accident that Made Credit Cards Profitable
(15:50) The History of Rewards
(19:06) The Story of Air Pass
(23:20) The First Airline Co-branded Credit Cards
(25:21) How the Credit Card System Works Between Different Banks
(29:38) How the Airline Rewards System Works
(35:32) Airline Rewards Grade Devaluations
(37:31) Examples of Rare Airline Reward Point Opportunities
(39:33) The Endowed Progress Effect
(40:38) The Goal Gradient Effect and Chasing Airline Rewards
(41:09) The Sunk Cost Fallacy
(41:47) The Separate Mental Accounts Effect
(42:46) Quick Summary of the History of Miles & Points

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

#273: Learn to stop overthinking and make better decisions. Chris and Derek discuss how optimizing can go wrong, a coin flip trick for making decisions, journaling as a superpower, how your actions might reveal what you actually want, and more.

Derek Sivers is an entrepreneur, writer, and self-proclaimed "slow thinker" best known for founding CD Baby, which he sold for $22M and gave the proceeds to charity. He?s since dedicated his life to creating, learning, and writing books like Hell Yeah or No.

Link to Full Show Notes: https://chrishutchins.com/derek-sivers-stop-overthinking-make-better-decisions

Partner Deals

Mercury: Help your business grow with simplified finances

Superhuman: ?Free month of the fastest and best email with code ALLTHEHACKS

Upwork: ?Free job posting to find, hire, and pay top freelance talent

Gusto: ?Free 3-month trial of the #1 payroll software

Copilot Money: ?Free 2 months access to my favorite personal finance app with code HACKS2

For all the deals, discounts and promo codes from our partners, go to: ?chrishutchins.com/deals

Resources Mentioned

Derek Sivers: Website | X

Book: Hell Yeah or No: what's worth doingArticles: My Heroes | Actions, Not Words, Reveal Our Real Values | Parenting: Who Is It Really For? | Travel Is Best With Young Children | Relax for the Same Result | How To Ask Your Mentors For Help

Books Mentioned: The Paradox of Choice | Brain Rules for Baby

New Zealand Recommendation: Staglands Wildlife Reserve

ATH Podcast

AMA: Submit A QuestionLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(02:39) Turning Intentions Into Reality

(07:34) Reflecting On What You Want And Why

(13:39) Methods For Decision-Making

(16:23) Learning To Pause, Reflect, And Push Back Through Journaling

(31:01) Making Decisions When There Are Too Many Options

(37:15) Coin Toss: Noticing Your Feelings While The Coin Is In The Air

(39:52) Paradox Of Choice: Satisfice Not Maximize

(50:30) Theory Vs. Practice

(58:53) Decision-Making Based On Personal Goals And Aspirations

(01:03:14) Actions Reveal Values

(01:08:30) The Power of Saying No

(01:18:18) Parenting Perspective

(01:22:31) Traveling With Children

(01:31:53) Adjusting Expectations 

(01:41:07) Relax for The Same Result

(01:49:42) Derek Sivers? New Zealand Recommendations

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.

#272: Learn how to turn your points into significantly better travel experiences by following a simple, repeatable system. We cover how to plan, find award availability, choose the right tools, and decide between portals vs. transfers, plus the mindset shifts that make the whole process work.

Link to Full Show Notes: https://chrishutchins.com/booking-travel-with-points-and-miles-2026

Partner Deals

Gelt: ?Skip the waitlist on personalized tax guidance to maximize your wealth

Bilt Rewards: ?Earn the most valuable points when you pay rent

DeleteMe: ?20% off removing your personal info from the web

Wispr Flow: ?Try effortless voice dictation for free

Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS

For all the deals, discounts and promo codes from our partners, go to: ?chrishutchins.com/deals

Resources Mentioned

Award Search Tools

AwardTool ($20 off annual plans with code ALLTHEHACKS)point.me (20% off annual plans with code ALLTHEHACKS20)PointsYeahSeats.AeroPoints Path Browser ExtensionFlightConnections

Credit Cards

Best Cards PageCardTool AppMarriott Bonvoy Brilliant® American Express® Card

ATH Podcast

Ep 166: Best Award Search Tools for Booking Flights with Points & Miles with Greg the Frequent MilerEp 227: The Path to Becoming an Expert in Points & Miles with Devon GimbelEp 238: 18 Tactics for Booking Travel with Points & MilesEp 244: How I Saved $10,000+ on Luxury HotelsEp 258: My Top 5 Mistakes with Points & MilesMembershipAMA: Submit A QuestionLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(01:10) Two Ways to Use Points for Travel

(06:30) Define Your Flexibility Before You Search

(11:42) Clarify What You Actually Want From A Trip

(15:00) When to Start Planning (and Why Earlier Is Almost Always Better)

(18:48) How To Find Award Availability

(19:55) The Best Award Search Tools & How to Use Them

(21:17) How Award Tools Work

(23:30) Using Alerts To Find Better Flights

(26:15) What To Do When You Can?t Find Availability

(28:31) How to Book for a Group When Availability Is Tight

(31:32) Why You Should Book One-Way Flights

(32:27) How To Use Points For Domestic Flights

(34:38) The Best Tool For Domestic Award Searches

(35:05) Why Diversifying Your Points Unlocks More Domestic Options

(36:36) Should You Ever Use Points to Upgrade Seats?

(39:00) Are Travel Portals Worth It?

(39:36) The Case Against Using Travel Portals

(42:09) The Case For Using Travel Portals

(45:17) How To Think About Chase Points Boost

(48:26) When Using Points For Hotels Makes Sense

(50:50) The Best Ways to Earn Hotel Points

(53:54) The Award Booking Index Card

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.

#271: Learn why over-optimizing your life can quietly destroy the things you actually care about. Chris and Sahil explore the doorman fallacy, why big life decisions should happen fast, how to use AI as a thinking partner, and why systems beat motivation every time.

Sahil Bloom is a writer, entrepreneur, and investor. He wrote The 5 Types of Wealth, publishes the newsletter The Curiosity Chronicle to nearly a million readers, and is the Founder of the men's skincare line Wild Roman.

Link to Full Show Notes: https://chrishutchins.com/sahil-bloom-stop-over-optimizing-life

Partner Deals

Quince: Affordable luxury essentials with free shipping + 365 day returns

Mercury: ?Manage, move, and grow your money

LMNT: ?Free sample pack of my favorite electrolyte drink mix

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

Sahil: Website | Newsletter | X

Wild Roman: 10% off with code CHUTCHINS10

Books & Articles

The 5 Types of Wealth by Sahil BloomA Reflection On The Little ThingsThe Doorman FallacyThe Real AI Risk Nobody Told You AboutThe 2028 Global Intelligence CrisisRule for Life: Don't Complain

AI Tools

Deep PersonalityLemonWispr Flow

Phone Lock Box: Mindsight Timed Lock Box

Full Show Notes

(00:00) Introduction

(00:58) Why Sahil Moved His Entire Family from New York to Boston

(03:09) Why Big Life Changes Should Happen Fast

(04:47) The Real ROI of Small Moments

(06:27) The Doorman Fallacy: What You Lose When You Optimize the Surface

(10:32) Designing Your Life vs Letting It Happen

(15:15) The Tradeoffs of Living Near Opportunity

(22:17) Why Now Is the Best Time in History to Be Curious

(30:05) How Sahil Actually Uses AI Day-to-Day

(36:23) Solomon's Paradox: Why We Can't Take Our Own Advice

(38:45) Using Voice Agents to Think Better

(40:03) Balancing Work, Family, and Time

(45:47) Why Motivation Is Overrated and Choice Architecture Wins

(49:11) Making Workouts Non-Negotiable Without Sacrificing Work

(52:54) How Often to Audit Your Routines (Before They Start Owning You)

(53:42) Why Sahil Invested $1M of His Own Money in a Skincare Company

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.

#270: Chris and Amy discuss lessons from three ski trips with kids, using AI to redesign rooms on a budget, their favorite new gadgets, navigating high-deductible health plans, and more. 

Link to Full Show Notes: https://chrishutchins.com/ski-trips-ai-home-design-health-finances-amy

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Upwork: Free job posting to find, hire, and pay top freelance talent

For all deals, discounts, and promo codes from our partners, visit:
chrishutchins.com/deals

Resources Mentioned

Delta SkyMiles® Reserve American Express Card

Ski & Travel

Epic PassWoodwardVrboKirkwoodEtekcity Luggage Scale

AI Tools

GeminiClaudeChatGPTNano BananaGoogle SitesBeeLimitless PendantWispr FlowDeep Personality

Home Gadgets

SkylightAura FramesPaprikaRatio Eight Series 2Baratza Forté? BG

Health & Wearables

Oura RingWHOOP (? 1 month free)One MedicalBlueberry Pediatrics (? $100)

Money & Finance

MercuryCopilot Money (free 2 months access with code HACKS2)

ATH Podcast

Ask Chris Anything!Newsletter#237: ?How to Design a Rich Life at Any Income with Ramit Sethi#268: Stop Planning, Start Experimenting: A Science-Backed Approach to a Better Life with Anne-Laure Le CunffLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(00:55) The Lost Clothes Disaster and A Surprisingly Good Outcome

(14:30) What Ski Trips Are Really Like With Kids

(15:06) This Ski Season vs. Last Ski Season

(18:14) Smarter Ways To Book Houses for Ski Travel

(19:03) How To Save Money on Checked Bags for Ski Trips

(19:37) A Shoutout to the New Delta Sky Club in Terminal 2

(20:07) When It?s Better To Drive Instead of Fly

(21:42) How Amy Has Been Redesigning Rooms in the House

(23:22) Why AI Is Such a Powerful Tool for Home Design

(23:54) Amy?s Step-by-Step Process for Redesigning a Room With AI

(25:02) The AI Tools Amy Used and What Each One Did Best

(29:51) Using AI To Find Better Furniture Ideas

(32:38) How Much Money AI Saved vs. Hiring a Designer

(34:18) New House Gadget: The Skylight Calendar

(36:25) Why We Love the Ratio Coffee Machine Gen 2 and the Baratza Grinder

(39:50) Oura Ring vs. WHOOP Band

(42:53) Bee, Wearable AI, and the Future of Personal Memory

(50:30) What It Looks Like To Integrate AI Deeply Into Daily Life

(54:22) What We Learned Switching to a High-Deductible Health Plan

(01:03:11) Best Practices for Combining Finances as a Couple

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.

#269: Chris breaks down why he transferred >200k points for a transfer bonus and how to know when they're actually worth it. He also covers Hyatt's new award chart changes, the latest elevated welcome offers, and how he's using multiple AI agents to optimize his work and life.

Link to Full Show Notes: https://chrishutchins.com/transfer-bonuses-hyatt-devaluation-ai

Partner Deals

Copilot Money: Free 2 months access to my favorite personal finance app with code HACKS2

Fabric: Affordable term life insurance for you and your family

Gusto: Free 3-month trial of the #1 payroll software

Mercury: Manage, move, and grow your money

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

AI Models & Assistants

ChatGPTOpenClawGeminiClaude | Claude Cowork

Oura Ring

OpenSnow

Gridfinity

JAL USA CARD

Rove Miles

Transfer Bonuses in March 2026

Citi ? Wyndham: 25% bonus (ends 3/21)Amex ? Avianca LifeMiles: 15% bonus (ends 3/28)Rove Miles ? Japan Airlines: 50% bonus (ends 3/31)Capital One ? Preferred Hotels: 30% bonus (ends 3/31)

Massive Hyatt Points Devaluation

Credit Cards

Best Cards PageRobinhood Gold CardU.S. Bank Smartly? VisaBilt Palladium Card (Rates and fees here)Delta SkyMiles® Gold Business American Express CardDelta SkyMiles® Platinum Business American Express CardDelta SkyMiles® Reserve Business American Express CardHilton Honors American Express CardHilton Honors American Express Surpass® CardThe Hilton Honors American Express Business CardHilton Honors American Express Aspire CardThe Platinum Card® from American ExpressAmerican Express® Business Gold CardThe Business Platinum Card® from American Express

WHOOP (1 month free here)

Function Health

ATH Podcast

Ask Chris Anything!NewsletterEp #265: I Built an AI Assistant That Works While I SleepEp #264: Deep Dive on Bilt Rewards and New Bilt 2.0 CardsLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(00:55) Chris's New AI Agent

(04:00) How To Leverage Claude Cowork 

(06:14) How Chris Used AI to Build a New CardTool

(08:52) The Future of The Internet 

(17:21) 3D Printing

(18:39) Taking Advantage of Transfer Bonuses

(21:56) Bilt Rent Day Transfer Bonuses

(27:09) Rove Transfer Bonus to JAL & Other Bonuses

(33:22) Hyatt's Massive Devaluation

(38:54) How to Get More Points with Potential Devaluations

(41:15) Welcome Offers on Delta Cards

(45:12) Welcome Offers on United Cards

(48:28) Welcome Offers on Hilton Cards

(51:13) Welcome Offers on Southwest Cards

(53:30) Cards with Big-Point Offers 

(54:13) Find the Latest Deals on the ATH Newsletter 

(54:45) Card-Linked Deals for Whoop and Function Health 

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.

#268: Learn why setting big goals might actually be holding you back and what to do instead. Chris and Anne-Laure explore how to replace goal-setting with tiny, low-risk experiments that lead to more growth, more joy, and less burnout.

Anne-Laure Le Cunff is a neuroscientist, writer, and founder of Ness Labs, a learning community at the intersection of science and self-development. She is the author of Tiny Experiments and publishes a weekly newsletter on mindful productivity, creativity, and growth.

Link to Full Show Notes: https://chrishutchins.com/tiny-experiments-anne-laure-le-cunff/

Partner Deals

Shopify: $1/month trial for the easiest e-commerce platform

DeleteMe: 20% off removing your personal info from the web

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Green Chef: 50% off on your first box + 20% off for two months with code 50ALLTHEHACKS

Superhuman: Free month of the fastest and best email with code ALLTHEHACKS

For all the deals, discounts and promo codes from our partners, go to: ?chrishutchins.com/deals?

Resources Mentioned

Anne-Laure: Website | Newsletter | Instagram

Tiny ExperimentsNess Labs

ATH Podcast

Ep #256: The Easy Way to Build and Maintain Meaningful Relationships with Nick GrayLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(01:01) The Problem with Setting Big Goals

(02:42) When Goal Setting Becomes Counterproductive

(03:41) Why Tiny Experiments Beat Goals

(06:07) The Missing Ingredients That Make Experiments Actually Work

(08:29) How an Experimental Mindset Rewires Your Brain

(10:11) How Anne-Laure Adopted an Experimental Mindset

(13:38) What Happened When Anne-Laure Redefined Success

(16:29) How to Run a Tiny Experiment

(18:22) Real-World Examples You Can Try Immediately

(20:10) Why Smaller Is Always Better When Starting Out

(22:28) How to Experiment Without Burning Out

(25:05) Tracking Both External Results and Internal Signals

(30:10) The Simple Weekly Review That Keeps Experiments on Track

(32:18) Balancing Experimentation With Actually Living Your Life

(35:45) Applying Experimentation to Financial Security

(39:33) The Real Reason We Over-Optimize

(42:15) When Optimizing Is Actually the Right Move

(46:09) Balancing Excitement With Long-Term Priorities

(50:12) Measuring Time Differently

(52:20) Simple Rituals for Getting Present

(53:25) Why Experimenting Publicly Accelerates Growth

(57:26) How to Run Your Very First Experiment

(59:26) Where to Find Anne-Laure 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.

#267: Chris reviews his credit card lineup for 2026, sharing which cards he's keeping and canceling and why. He also covers how to evaluate annual fees, the best cards across major spending categories, and the apps he uses to stay on top of it all.

Link to Full Show Notes: https://chrishutchins.com/whats-in-my-wallet-2026/

Link to Cards Mentioned: https://chrishutchins.com/blog/whats-in-my-wallet-for-2026/

Partner Deals

MasterClass: Learn from the world's best with 15% off

Wispr Flow: Try effortless voice dictation for free

Mercury: Manage, move, and grow your money

Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth

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

CardTool App (Free access here)

?Credit Card Holder Wallet?

1Password

Blog Posts

Premium Card WorksheetHow to maximize your Hilton cards6 reasons to avoid booking through an online travel agencyExisting Bank of America relationship customers to keep status longer

Credit Card Trackers

CardPointers Pro (30% off here and 50% off here)CardRightTravel Freely

ATH Podcast

Best Cards PageCardTool AppMembershipChris?s Card Optimization SpreadsheetAMA: Submit A QuestionLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) - Introduction (02:42) - 3 Key Reasons to Get A Credit Card (05:23) - Chris' Credit Card Goals for 2026 (08:31) - Evaluating The Net Annual Fee of A Card (12:56) - The Amex Card Stack (23:19) - Co-Branded Marriott Cards (25:32) - Co-Branded Hilton Cards (27:00) - Co-Branded Delta Cards (28:12) - The Amex Blue Card (30:34) - A Popular Bank's Cards (33:10) - World of Hyatt Business Card (33:30) - Co-Branded Southwest & United Cards (40:41) - More Cards From The Popular Bank (42:11) - Capital One Venture Cards (45:17) - Bank of America Card Stack (51:09) - Alaska Atmos Cards (53:24) - US Bank Cards (55:22) - Citi Bank Cards (56:56) - Wells Fargo Autograph Card (57:43) - The Bilt Palladium Card (59:25) - Assessing The Major Spending Categories (01:06:32) - Cards for Amazon & Costco (01:07:13) - The Best "Everything Else" Card (01:08:47) - Chris's Takeaway on Credit Card Spending Categories (01:09:26) - The Best Card Combos (01:13:00) - Credit Card Trackers

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.

#266: Chris and Maya break down the science-backed tools that make change easier and more intentional. They explore why most people misunderstand change, how to anchor your identity to your deeper ?why,? and practical tools to break out of rumination and navigate uncertainty.

Maya Shankar is the bestselling author of The Other Side of Change, and hosts the podcast A Slight Change of Plans. She previously served as a Senior Advisor in the Obama White House, where she founded and led the White House Behavioral Science Team.

Link to Full Show Notes: https://chrishutchins.com/navigating-change-maya-shankar

Partner Deals

Thrive Market: 30% off your first order of organic groceries + a free $60 gift

Gusto: Free 3-month trial of the #1 payroll software

Bilt Rewards: Earn the most valuable points when you pay rent

DeleteMe: 20% off removing your personal info from the web

Fabric: Affordable term life insurance for you and your family

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Maya: Website | Instagram

Book: The Other Side of ChangePodcast: A Slight Change of Plans

Quit: The Power of Knowing When to Walk Away by Annie Duke

Deep Personality Assessment

ATH Podcast

Ep #81: Making Smarter Decisions and Knowing When to Walk Away with Annie DukeEp #265: I Built an AI Assistant That Works While I SleepLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(00:38) What People Get Wrong About Change

(05:14) The Antidote That Makes Change Easier

(12:11) Past Change vs. Intentional Change

(16:02) Maximisers vs. Satisficers

(19:10) Anchor Your Identity to Your Why

(23:15) How to Discover Your Why

(25:03) Navigating Change With a Very Different Partner

(29:17) Breaking the Rumination Cycle

(29:58) Mental Time Travel

(31:55) Affect Labeling

(32:39) Tools for Better Self-Understanding

(36:01) AI as a Conversational Partner

(39:43) Tactics For Thinking Through Big Changes

(42:01) Moral Elevation

(43:36) Why Reading Fiction Matters

(44:29) Repurposing Your Experience

(45:34) The First Step When Everything Changes

(47:31) Where to Find More From Maya

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.

#265: Chris explores how modern AI tools have eliminated the barriers to building software, why planning matters more than coding skill, how anyone can turn a simple problem into a working app faster and cheaper than ever before, and how he built a personal AI assistant that's already started to run his life behind the scenes.

Link to Full Show Notes: https://chrishutchins.com/how-to-build-with-ai-tools

Partner Deals

Green Chef: 50% off on your first box + 20% off for two months with code 50ALLTHEHACKS

Mercury: Help your business grow with simplified finances

NetSuite: Free KPI checklist to upgrade your business performance

Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth

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

AI Models & Assistants

ChatGPTOpenClawGeminiClaude

AI Coding & Building Tools

ReplitLovableCursorCodex

Productivity & Automation Tools

Wispr FlowZapierNimble LinksTampermonkey

Developer Infrastructure

ClerkSupabaseGitHub

FinTech: Plaid

How to Run OpenClaw as your Virtual EA

Blogs

Doctor of CreditFrequent MilerThe Points Guy

Deep Personality

Credit Cards

American Express® Gold CardCiti Strata Elite? CardCiti Strata Premier? CardBilt 2.0

ATH Podcast

Ep #263: How to Earn Millions of Points and More Listener Q&AChris? Card Optimizer ToolAsk Chris Anything!Leave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(01:41) Why This Is the Best Time Ever to Build Software

(04:14) How to Build Almost Anything with AI

(13:53) Why Context Is the Real Superpower

(15:58) Using Planning Mode Instead of Guessing

(16:41) Which AI Tool Should You Start With?

(17:53) Building a Real Credit Card Optimizer from Scratch

(28:48) What It Actually Costs to Build with AI

(32:38) The Real AI Learning Curve

(33:38) Moving from Cursor to Claude Code

(36:17) Why You Should Try Building Something (Even If You're Not a Coder)

(37:00) How OpenClaw Changes the Game

(38:57) Why Security Still Matters

(42:25) A Conversation with Ted, Chris' AI Assistant

(44:07) Letting AI Work While You Sleep

(49:41) Learning to Be Clear, Specific, and Intentional

(50:03) Start with a Real Problem

(50:39) Breaking Projects into Small, Winnable Pieces

(50:58) What Would You Build If Building Were Easy?

(51:59) Keeping Track of Cost and Budget

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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.

#264: Learn how the Bilt ecosystem works, from earning Bilt Rewards to the new cards, transfer partners, perks, and where the real value is. Whether you?re new or already earning, this is a practical guide to using Bilt strategically and avoiding common mistakes.

Link to Full Show Notes: https://chrishutchins.com/bilt-ecosystem-explained

Partner Deals

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Wispr Flow: Try effortless voice dictation for free

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Bilt 2.0

Bilt Blue Card (Rates and fees here)Bilt Obsidian Card (Rates and fees here)Bilt Palladium Card (Rates and fees here)Bilt CashBilt Travel PortalBilt DiningBilt Home Design CollectionComplimentary BLADE airport flight

Mastercard World Elite Benefits Guide

Award Search Tools

Award Walletpoint.me (20% off annual plans with code ALLTHEHACKS20)

Gopuff

BevMo!

Rakuten ($50 bonus here)

Robinhood Gold Card

Frequent Miler Article: Bilt Housing Payments

ATH Podcast

Luxury Hotel Upgrade ProgramAsk Chris Anything!Leave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(02:28) What Makes Bilt Rewards Different

(07:03) How to Earn Bilt Points Without a Credit Card

(13:52) Referral Bonuses and Earning Limits

(14:17) How Rent and Mortgage Payments Work

(16:06) Earning Through the Bilt Neighborhood Network

(17:16) Earning Without a Card: The Real Tradeoffs

(17:46) How Bilt Point Redemptions Actually Work

(21:39) Transfer Partners and When Bonuses Matter

(24:18) How Bilt Status and Elite Tiers Work

(25:32) What Each Bilt Status Level Unlocks

(31:49) A Major Caveat With the New Bilt Cards

(34:36) Breaking Down the Current Bilt Card Lineup

(35:33) Bilt Blue Card

(37:34) Bilt Obsidian Card

(41:19) Bilt Palladium Card

(48:59) Housing Payments and What Changed

(50:16) Earning Based on Billing-Cycle Spend

(55:18) The Original Fee-Free Model

(59:26) Cash-Out and Statement Credit Options

(01:08:44) Simplifying the New Bilt Choices

(01:14:21) The Bilt Silver Lining

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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.

#263: Chris breaks down exactly how he?s earned millions of points and miles, and why simplicity matters more than optimization. He covers signup bonuses, spending strategies, credit score impacts, business cards, cash-back alternatives, and how to decide when a card (or perk) is actually worth it.

Link to Full Show Notes: https://chrishutchins.com/points-and-miles-simplified-credit-cards

Partner Deals

Fabric: Affordable term life insurance for you and your family

Bilt Rewards: Earn the most valuable points when you pay rent

Gusto: Free 3-month trial of the #1 payroll software

Notion: Try Notion Agent free to automate tedious tasks and streamline your work

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

Credit Cards: Best Cards Page

Alaska Airlines Visa®American Express® Green CardAmerican Express Platinum Card for SchwabAtmos? Rewards Summit Visa Infinite® CardBank of America® Premium Rewards® EliteBank of America® Unlimited Cash RewardsBilt Palladium Card (Rates and fees here)Capital One Venture X BusinessCapital One Venture X Rewards Credit CardCiti® / AAdvantage® Executive World Elite Mastercard®Coinbase One CardCostco Anywhere Visa® Card by CitiHilton Honors American Express Aspire CardRobinhood Gold CardThe Business Platinum Card® from American ExpressU.S. Bank Altitude® Reserve Visa Infinite® CardVenmo Credit CardWells Fargo Autograph? Card

Rakuten: Free $50 here

Business Payment Platforms: Plastiq | Melio

IRS Authorized Payment Providers

Pay1040ACI Payments

Reddit: Credit Card Spend Needed to Achieve Each Airline Status Tier

ATH Podcast

Chris' Credit Card Optimizer ToolAsk Chris Anything!MembershipGift Card SiteEp #164: Earn Points Paying Taxes with a Credit Card (+ Latest Deals/News)Ep #200: Debunking Tax Myths, Avoiding Audits and Maximizing Savings with Jasmine DiLucciEp #221: Deep Dive on Credit Reports, Scores, and Their Real-World ImpactEp #247: Deep Dive on Bank of America Credit Cards (Up to 5.25% Cash Back)Ep #248: How to Stop Over-Optimizing and Focus on What Matters with Tim FerrissEp #258: My Top 5 Mistakes with Points & MilesEp #261: Goals, Tools, and Mindset Shifts for a Better 2026 with Kevin RoseLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(01:26) How Chris Has Earned 15+ Million Points

(03:46) Why Signup Bonuses Still Matter More than Everything Else

(05:04) The Role Everyday Spending Actually Plays

(08:42) When Transfer Bonuses Are Worth It

(12:24) How Chris Leverages Referral Bonuses

(13:24) What Having "Too Many" Credit Cards Really Does to Your Credit Score

(16:13) How Many Signup Bonuses per Year Is Reasonable?

(16:44) Why Spend Requirements Are the Real Bottleneck

(18:23) Approval Odds and Timing Applications

(22:04) Getting Approved for Business Cards (Without A Business)

(27:23) Maximizing Rewards without Overcomplicating It

(30:18) When Cash Back Is the Better Option

(32:48) Best Cards for Big, One-Time Expenses like Weddings

(37:24) Making Sense of Card Rules and Restrictions 

(38:13) Annual Fees: How to Decide if They're Worth Paying

(41:12) Paying Taxes with a Credit Card

(46:28) How to Think about Points if You Mostly Care about Hotels

(49:10) Is CLEAR Worth It?

(51:48) How DoorDash Credits Work

(53:25) Is There a Shortcut to Airline Loyalty Status?

(57:04) The Best Credit Card for Costco Spending

(59:19) Are the New Bilt Cards Actually Bad?

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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.

#262: Learn how to navigate major changes in points and miles while maximizing travel rewards in 2026. Chris and Brian M cover Bilt 2.0, the Mesa card shutdown, how to evaluate annual fees, find award availability, and what?s likely (and unlikely) to change this year.

Link to Full Show Notes: https://chrishutchins.com/latest-on-points-miles-january-2026

Partner Deals

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Thrive Market: 30% off your first order of organic groceries + a free $60 gift

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For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Bilt World Elite Mastercard® (Rates and fees here)

Bilt 2.0

Bilt Blue Card (Rates and fees here)Bilt Obsidian Card (Rates and fees here)Bilt Palladium Card (Rates and fees here)

Rove Miles

Silo Markets

Rakuten ($50 bonus here)

Kalshi Prediction Market

Alila Ventana Big Sur

The Big A## Calendar

Award Search Tools

Award WalletPoints Path Chrome ExtensionGoogle FlightsAwardTool ($20 off annual plans with code ALLTHEHACKS)Expert Flyer

ATH Podcast

Leave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(01:27) Reactions to Bilt?s New Card Lineup

(04:08) Breakdown of the 3 New Bilt Cards

(05:14) Should You Convert, Apply Fresh, Or Keep the Wells Fargo Card?

(08:16) Questions Around Bilt Cash

(09:50) The Bilt Card Chris Is Leaning Towards

(15:03) Why Bilt's New Earnings Might Be Better Than It Looks

(20:03) Mesa's Overnight Shutdown

(24:25) Silo Markets Brokerage Bonus

(29:54) What?s Coming Up in 2026 For Points, Loyalty, And Cards

(32:25) Thoughts on the Southwest Companion Pass

(35:26) Implications of the Proposed 10% Interest Rate Cap on Credit Cards

(38:19) Will Points Tools Get Better in 2026?

(40:02) Why 2026 Might Be Quiet on Major Credit Card Changes

(43:18) How Brian Decides Whether an Annual Fee Card is Worth Keeping

(46:50) Chris? Order of Operations For Analyzing Cards

(51:42) Ways to Plan A Trip Using Points

(57:49) How Brian Leverages Flexibility for Travel

(01:00:04) Strategies for Booking Flights

(01:03:23) The Best Award Flight Search Tools

(01:04:58) Booking Hotels With Points

(01:09:38) Timeshares: When They Make Sense (and When They Don?t)

(01:11:51) Using Alerts to Monitor Award Availability

(01:13:12) Changing the Connecting City After Booking a Flight

(01:15:14) Business Cards for Personal Spend (and Vice Versa)

(01:17:09) What to Do When You Stop Getting Approved for Cards

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.

#261: Chris and Kevin reflect on 2025?s biggest wins and lessons, then dive into how they're planning 2026. They share their goals, the tools they're using, and why they're designing a year that?s easier, not just more optimized.

Kevin Rose is the host of Diggnation and a partner at True Ventures, an early-stage venture capital firm that has invested over $4 billion in a portfolio of over 400+ founders. Kevin previously founded Zero and Oak, and was a partner at Google Ventures.

Link to Full Show Notes: https://chrishutchins.com/reflecting-and-planning-2026

Partner Deals

Wispr Flow: Try effortless voice dictation for free

LMNT: Free sample pack of my favorite electrolyte drink mix

Copilot Money: Free 2 months access to my favorite personal finance app with code HACKS2

Fabric: Affordable term life insurance for you and your family

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

Kevin Rose: Diggnation | Newsletter

Books

The Wealth Ladder by Nick MaggiulliRework by Jason Fried

Fizzy

Jesse Itzler: Plan An Incredible 2026 In 12 Minutes

Podcasts

The Daily ChurnNew Modern Mom: Do you need a house manager?

Duolingo

Games Magazine Subscription

Bram Cohen Puzzles

The Big A## Calendar

ATH Podcast

NewsletterChris? Card Optimizer ToolEp #99: 7 Questions to Make 2025 Your Best Year YetEp #213: The 5 Types of Wealth with Sahil BloomEp #259: Choosing the Problems Worth Struggling For with Mark MansonLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(00:45) Kevin's 2025 Goals & How They Came to Fruition

(04:34) Chris's Challenging End to 2025

(06:53) How Chris is Approaching Optimization in 2026

(09:33) Stepping Up Your Ability to Spend Money

(15:55) What Chris and Kevin Changed Their Minds About in 2025

(20:11) The Many Different Uses of AI

(29:16) Chris's Energy Generators and Drainers

(33:40) Kevin's Energy Generators and Drainers

(36:56) Decluttering for A Peace of Mind

(41:09) How To Identify The Boat Anchors in Your Life

(49:18) Chris's Hits and Misses in 2025

(52:10) Kevin's Hits and Misses for 2025

(54:19) How Kevin Plans His Year Ahead

(57:53) Outsourcing to Make Things Easier

(01:05:12) Focus on Making Lasting Memories

(01:06:34) Ways to Pick Up New Skills

(01:09:36) The Life Blender Concept

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.

#260: Chris distills the most powerful lessons from over 50 episodes in 2025 into 10 actionable takeaways that changed how he thinks about money, time, health, relationships, purpose, and more.

Link to Full Show Notes: https://chrishutchins.com/top-takeaways-2025-optimize-money-travel-life

Partner Deals

Gusto: Free 3-month trial of the #1 payroll software

Notion: Try Notion Agent free to automate tedious tasks and streamline your work

Superhuman: Free month of the fastest and best email with code ALLTHEHACKS

DeleteMe: 20% off removing your personal info from the web

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

The 5 Types of Wealth: A Transformative Guide to Design Your Dream Life

The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life

Die With Zero: Getting All You Can from Your Money and Your Life

ATH Podcast

Ep #91: Die With Zero: Net Fulfillment Over Net Worth with Bill PerkinsEp #213: The 5 Types of Wealth with Sahil BloomEp #215: Medical Travel: Better Care and Lower Costs for Surgery, IVF, Dental, Advanced Screenings and More with Josef WoodmanEp #217: Top AI Tools, Insurance Planning for Fires and More Listener Q&A with Kevin RoseEp #230: The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life with Nick MaggiulliEp #233: Money: What Each Generation Gets Right (& Wrong) with Ben CarlsonEp #239: Mini Retirements: How to Take a Break Sooner That Could Also Boost Your Career and Income with Jillian JohnsrudEp #248: How to Stop Over-Optimizing and Focus on What Matters with Tim FerrissEp #249: Earn More Points in Multiplayer Mode with KaiEp #251: How to Focus on What Matters and Let Go of the Rest with Ryan HolidayEp #252: Family Travel on Points: Tips, Tricks and Tactics with Nick ReyesEp #254: The Cost of Always Optimizing with Chris and AmyEp #256: The Easy Way to Build and Maintain Meaningful Relationships with Nick GrayEp #259: Choosing the Problems Worth Struggling For with Mark MansonLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(01:24) #1: True Wealth Is Multidimensional

(03:13) #2: Focus on What Moves the Needle

(10:24) #3: Build a Portfolio That Can Weather Any Storm

(13:40) #4: Scale Horizontally, Not Vertically

(17:04) #5: Stop Waiting for the Perfect Time

(22:38) #6: Scale Yourself With Technology

(25:36) #7: You Need to Be the CEO of Your Own Health

(29:54) #8: Prioritize Friendship Like You Prioritize Your Health

(33:25) #9: Your Purpose Is Already Here, You?re Just Too Close to See It

(36:13) #10: The Ultimate Optimization Is Knowing When to Stop

(38:44) Bonus: Optimize for What Matters

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.

#259: Learn how to pick the challenges in life that actually matter. We break down how to stop optimizing for the wrong things, why values trump goals in decision-making, practical strategies for building real friendships, and more.

Mark Manson is the bestselling author of The Subtle Art of Not Giving a F*ck (20M+ copies sold). He hosts the Solved podcast, writes the newsletter Your Next Breakthrough, and co-founded Purpose, an AI tool for exploring purpose and values.

Link to Full Show Notes: https://chrishutchins.com/mark-manson-purpose-and-meaning

Partner Deals

Bilt Rewards: Earn the most valuable points when you pay rent

Thrive Market: 30% off your first order of organic groceries + a free $60 gift

Fabric: Affordable term life insurance for you and your family

Copilot Money: Get 26% off my favorite personal finance app

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

Mark: Website | Newsletter | X

The Subtle Art of Not Giving a F*ck

Solved Podcast

Making Friends as an Adult, SolvedYour Values, Solved

Purpose App

Full Show Notes

(00:00) Introduction

(00:47) What Most People Get Wrong About Living a Good Life

(01:13) Why Struggle Is Inevitable and Necessary

(02:18) Why Purpose Is Revealed, Not Found

(04:34) Choosing the Right Metric To Optimize Your Life

(06:26) The Three Ingredients of Meaningful Purpose

(08:32) Why Purpose Doesn?t Require Changing the World

(12:33) Radical Honesty as the Starting Point for Meaning

(14:32) What Happens After You Achieve Everything You Wanted

(17:48) Why Other People Can See Your Purpose Before You Do

(21:06) Why Honest Conversations Are So Hard (and So Necessary)

(28:41) Why Adult Friendship Is Uniquely Difficult

(32:29) How Work, Kids, and Technology Changed Friendship

(33:27) Why ?Shared Stakes? Matter More Than Shared Spaces in Adult Friendships

(37:02) When Life Feels Hard and Why That?s Normal

(42:21) Making Better Decisions by Clarifying Your Values

(43:57) How To Check In on Your Life Without Obsessing Over Goals

(46:57) When Quitting a Goal Is the Right Decision

(50:48) Why We Rarely Talk About Meaning With Friends

(53:30) Building an AI To Ask Better Life Questions

(55:04) How AI and Therapy Can Work Together

(57:52) Is It Okay If Your Job Is Not Your Purpose?

(01:00:07) The First Step Toward a More Meaningful Life

(01:01:06) How To Define Value Beyond Status

(01:02:08) Where To Find More From Mark

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.

#258: The 5 biggest mistakes Chris has made in his points & miles journey. He dives into the hidden cost of status, the math behind point values, the power of opportunity cost, and why hoarding points quietly destroys value.

Link to Full Show Notes: https://chrishutchins.com/top-5-points-and-miles-mistakes

Partner Deals

Superhuman: Free month of the fastest and best email with code ALLTHEHACKS

DeleteMe: 20% off removing your personal info from the web

LMNT: Free sample pack of my favorite electrolyte drink mix

Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth

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

Chris' Presentation Slides

Credit Cards

US Bank Altitude® Reserve Visa Infinite® CardRobinhood Gold CardThe Atmos? Rewards Visa Summit CardCiti® / AAdvantage® Executive World Elite Mastercard®Citi® / AAdvantage Business? World Elite Mastercard®

Award Search Tools

Gondola (Get $50 here)Points Path Chrome Extension

ATH Podcast

Ep #245: How Much Are Points and Miles Worth in 2025?Leave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(00:28) Mistake #1: Not Valuing My Time

(02:09) Setting a Personal Minimum Hourly Rate

(03:51) Step Back and Ask ?Is This Worth It?? 

(04:23) The Hidden Cost of Mental Overhead

(05:48) Using Daily and Weekly Priorities to Stay Focused

(07:00) Mistake #2: Not Considering the Opportunity Cost

(11:34) Mistake #3: Chasing Status

(16:56) Airline by Airline: The Value of Status in Real Life

(20:52) Reframing the Cost of Status

(24:09) When Milestone Benefits Change the Math 

(28:33) Chris?s Status Plan Going Forward

(31:52) How to Decide Whether Status Is Worth Chasing

(32:50) Mistake #4: Overvaluing Points

(34:20) What the Data Actually Shows

(35:43) Why ?Retail Value? Is Misleading

(41:22) When Paying Cash Can Be the Better Value

(46:03) Mistake #5: Not Cashing Out Points

(49:27) Chris's Plan for 2026 

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.

Learn more about your ad choices. Visit megaphone.fm/adchoices

#257: We break down essential tax and financial decisions to make before year-end. Learn how to maximize deductions, optimize charitable giving, manage investment gains and losses, and take advantage of retirement and home-improvement credits. We also run through all the credit card, points and miles deadlines to hit before 12/31.

Link to Full Show Notes: https://chrishutchins.com/end-of-year-financial-checklist-2025

Partner Deals

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MasterClass: Learn from the world's best with 15% off

Aura Frames: $35 off the best digital frames with code ALLTHEHACKS

DeleteMe: 20% off removing your personal info from the web

Fabric: Affordable term life insurance for you and your family

Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth

Daffy: Free $25 to give to the charity of your choice

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Chris' End of Year Checklist for Taxes, Points & Miles

Carry Solo 401k

Kick (20% off your first year of bookkeeping with code CHRIS20)

Invest America Kids Savings & Investment Accounts

Hotel Mattress Run

CardPointers Pro (50% off here)

Use Your Credits

ATH Podcast

Chris? Best Cards PageEp 144: Leveraging Tax-Advantaged Accounts to Maximize Your Wealth with Katie Gatti TassinEp 243: Smarter Strategies for Retirement, Wealth Building, and Taxes with Michael KitcesLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes
(00:00) Introduction

(01:03) Standard Deduction vs. Itemizing

(03:02) The New SALT Cap & Property Tax Strategy

(05:02) Pass-Through Entity Taxes for Business Owners

(06:07) Smart Charitable Giving Strategies

(07:07) Donating Appreciated Assets

(09:18) Using Donor-Advised Funds (DAFs)

(14:16) Why 25-26 Changes Matter for Charitable Giving

(16:14) New Car Loan Interest Deduction

(18:19) Deduction for Qualified Tips & Overtime

(18:34) New Senior Deduction

(19:12) Shifting Income to Optimize Your Tax Bracket

(20:48) Capital Gains: Loss & Gain Harvesting

(22:02) Understanding the Wash Sale Rule

(25:11) Advanced Tax Moves to Ask Your CPA

(25:42) Key Retirement Deadlines & Contribution Limits

(31:01) Roth IRA & Traditional IRA Rules

(34:18) Backdoor & Mega Backdoor Roth Contributions

(35:18) ISOs & Alternative Minimum Tax

(36:16) FSA Essentials: Use It or Lose It

(38:57) HSA Strategy & Triple-Tax Advantage

(42:13) Home Efficiency & Solar Credits for 2025

(43:14) 529 Plans, Gifting Rules & Education Savings

(47:37) The New ?Trump Account? for Kids

(48:14) Funding a Child?s Roth IRA Through Earned Income

(50:29) EOY Tax Moves for Business Owners

(55:51) EOY Checklist for Points & Miles

(01:00:32) Credit Card Annual Credits & Benefit Resets

(01:03:57) Calendar-Year Credits to Use Before January

(01:14:55) Final EOY Checks for Airlines, Hotels & Credit 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.

#256: We break down the simplest, most effective ways to build stronger friendships and stay connected as an adult. Plus, learn how to build a personal website, host better events, send a friends newsletter, book a cruise on a budget, and so much more. 

Nick Gray is an entrepreneur and author who built and sold two successful companies, Flight Display Systems and Museum Hack. His YouTube and short-form videos have reached over 55 million views.

Link to Full Show Notes: https://chrishutchins.com/build-meaningful-relationships-nick-gray/

Partner Deals

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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

Nick: X | Website | Friends Newsletter

PersonalWebsite.orgNovember 2025 Asset AllocationPersonal Website ChecklistThe 2-Hour Cocktail Party: How to Build Big Relationships with Small Gatherings

RSVP Tracking

PartifulLumaMixily

Free Amazon Fulfillment Center Tours

Animal Spirits Podcast

Rippner Tennis

Cruises

Below DeckFrequent Miler?s Casino Status Strategy for Free CruisesCruiseSheet

Personal Domain Services

CloudFare RegistrarGoogle DomainsHoverCarrd

Gemini Nano Banana

WordPress

ATH Podcast

Best Credit CardsMembershipNewsletterEp #68: Hosting Cocktail Parties, Building Relationships, Museum Strategies and Friends Newsletters with Nick GrayEp #146: This Episode Changed My Perspective on Cruises with Emma Le TeaceLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(01:00) How Nick Builds and Maintains Strong Relationships

(01:49) What Most People Get Wrong About Staying in Touch

(02:49) Why Making New Friends as an Adult Is So Hard

(05:49) Nick?s Simple Formula for Hosting a Great Cocktail Party

(07:25) Chris?s Holiday Cookie Party 

(09:10) Better Ways to Handle Introductions and RSVPs

(13:26) Using a "Friends Newsletter" to Stay Connected

(14:47) What to Include in a Great Newsletter

(19:18) How to Send Your First Newsletter (Without Overthinking It)

(20:38) An Amazing Opportunity Nick Got from His Newsletter

(21:28) Easy Content Ideas: Purchases, Apps, Shows, and More

(24:33) Chris? Attempt to Get on Below Deck

(31:04) What Excites Chris About Cruises

(33:19) Nick?s Take on Cruises (and the ?Life-Plus? Mindset)

(36:11) Hacking Cruises and Cheap Cruise Strategies

(40:21) Why Everyone Needs a Personal Website

(43:06) Buying a Domain and Setting Up a Simple Homepage

(45:31) Getting Google to Notice Your Website

(49:06) When to Upgrade and What Content Belongs on Your Website

(52:17) Nick's Service for Building and Maintaining Your Website

(52:52) Nick?s Asset Allocation Post and the Value of Transparency

(53:46) Removing the Stigma Around Money With Friends

(59:21) Using AI for Doctor Appointments

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.

#255: Here are 100+ holiday gift ideas across tech, kitchen, home, clothing, fitness, kids, and games. I?ll also share tools and tactics to help you find deals and spend less this holiday season.

For all the products, links, deals and more, check out the full 2025 Gift Guide here: https://chrishutchins.com/gifts

Link to Full Show Notes: https://chrishutchins.com/gift-guide-2025

Partner Deals

DeleteMe: 20% off removing your personal info from the web

LMNT: Free sample pack of my favorite electrolyte drink mix

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

Superhuman: Free month of the fastest and best email with code ALLTHEHACKS

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

2025 Gift Guide: Find all the products, links, deals and more at https://chrishutchins.com/gifts

Joshua Weissman: How to Cook With Stainless Steel

Outlive: The Science and Art of Longevity by Peter Attia

Tools to Maximize Savings

KeepaRakuten ($50 bonus here)Savewise (20% off with ALLTHEHACKS20)CardPointers (30% off here or 50% off for ATH Members)Chris' Gift Card Site? (5-25% off gift cards)

ATH Podcast

Gift Card SiteMembership?Newsletter?Ep #122: ??Cooking at Home: Delicious Food Made Easy with David Chang??Leave a review: ?Apple Podcasts? | ?Spotify?Email for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction
(01:55) Personal Technology
(14:16) Kitchen & Food
(36:47) Home
(44:05) Clothing & Accessories
(55:13) Health & Fitness
(59:38) Health Tests
(01:05:21) Games
(01:08:39) Kids
(01:12:47) Books & Learning
(01:15:22) Ways to Save Money When You Shop
(01:24:47) Chris' Family Holiday Traditions

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.

#254: Chris and Amy share a candid look at their life together as two optimizers. They discuss everything from family finances and teaching their kids about money to managing their health, work, and travel. 

Link to Full Show Notes: https://chrishutchins.com/ama-amy-marriage-parenting-health

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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

Rakuten ($50 bonus here)

M is for Money by Rob Phelan

BoA Museums on Us

How We Spend Our Time Chart

Priority Pass

Cultural Care Au Pairs (Get $250 off here)

Family Heart Foundation

Fortify5

Vuori (Get 20% off here)

ATH Podcast

Ep #114: Money Talks: Navigating Uncomfortable Conversations with Loved Ones with Erin LowryEp #205: Building Better Habits, Strengthening Relationships, and More Listener Q&A with Chris and AmyEp #213: The 5 Types of Wealth with Sahil BloomEp #239: Mini Retirements: How to Take a Break Sooner That Could Also Boost Your Career and IncomeEp #252: Family Travel on Points: Tips, Tricks and Tactics with Nick ReyesLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) - Introduction (01:44) - Navigating Conflict and Different Spending Styles (04:51) - Why the Furniture Conversation Turned Emotional (13:20) - Amy's Process for Selling and Rehoming Old Items (15:50) - When Reselling Isn?t Worth the Time and Effort (19:03) - How to Teach Kids About Money at a Young Age (23:39) - How Chris & Amy Are Saving for the Kids? Future (31:13) - Thinking About Technology and Social Media for Kids (35:34) - Free-Range Parenting and Encouraging Independence (38:06) - The Importance of Intellectual Curiosity (40:06) - Stepping Back From Work to Be Present with Young Kids (44:54) - Traveling With Kids (49:05) - Leveraging Lounge Access for Family Travel (52:18) - Comparing Lounge Access Memberships (57:06) - Amy?s Transition Into More Time at Home (01:00:50) - Making Proactive Health Decisions and Preventative Care (01:07:46) - How to Approach Supporting Aging Parents (01:13:34) - Coming Full Circle on the Furniture Debate

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.

Partner Deals 

Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
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Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#253: My top 10 takeaways from a retreat for high-net-worth investors, which will cover investing, managing risk, investing in your health, building meaningful relationships, parenting with purpose, and defining success in a way that goes far beyond money.

Tad Fallows is the co-founder of Long Angle, a private community for investors with more than $2.2 million in assets. He previously co-founded iLab Solutions, a global leader in cloud-based lab management software, which was acquired by Agilent Technologies.

Link to Full Show Notes: https://chrishutchins.com/10-lessons-wealth-health-happiness

Partner Deals

LMNT: Free sample pack of my favorite electrolyte drink mix

Vuori: 20% off the most comfortable performance apparel I've ever worn

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

Long Angle: Join a free private community for high net worth investors

What Is BRCA2?

Sober Founders

ATH Podcast

Ep #248: How to Stop Over-Optimizing and Focus on What Matters with Tim Ferriss Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(02:01) Why Health Is Your Most Important Asset

(04:13) How to Become Your Own Health Advocate

(08:14) Different Ways to Invest in Fitness and Accountability

(12:27) Relationships: The Ultimate Compound Asset

(14:03) Why Adult Friendships Are So Hard to Build and Maintain

(16:05) Reclaiming Time for Relationships and Family

(17:15) The Power of Intentional Travel

(20:43) Lighthouse Parenting: Why You Should Allow Your Kids to Struggle

(25:01) Learning From Your Kids? Limitless Imagination

(25:56) A Simple Exercise to Expand What?s Possible in Every Area of Life

(28:47) Redefining Success and Purpose

(34:09) Defining Your Objective to Simplify Complex Decisions

(38:44) How to Think About Managing Risk

(43:28) Diversifying Beyond the S&P 500

(47:53) Two Spectrums of Diversification and Liquidity

(50:38) The Danger of Over-Optimizing

(52:14) Why True Wealth Isn?t About Dollars

(55:45) The Importance of Designing a Life That Works For You

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.

Partner Deals 

Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#252: Chris and Nick share strategies to make family travel affordable and stress-free with points and miles. They cover how to find multiple award seats, book business class for families, and their best tips for traveling with kids, from managing jet lag and delays to finding family-friendly hotels, must-have travel gear, and more.

Nick Reyes is a writer at Frequent Miler and co-host of the Frequent Miler On The Air podcast. He is an avid traveler who's been to 60+ countries and loves collecting points and miles.

Link to Full Show Notes: https://chrishutchins.com/family-travel-nick-reyes

Partner Deals

Upwork: Free job posting to find, hire, and pay top freelance talent

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

Mercury: Help your business grow with simplified finances

Daffy: Free $25 to give to the charity of your choice

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Nick Reyes: Frequent Miler | X | Podcast

A $50,000+ family trip to Europe, booked with miles and points Kids in business class: Saving miles on child award tickets Guide to Airline Companion Tickets How to book Hyatt suites How to book Vacasa Vacation Rentals with Wyndham points Booking Cottages.com via Wyndham Rewards Nick?s 2025 casino status strategy for free cruises

Grand Hotel Victoria on Lake Como

ZIPAIR

RideSafer Travel Vest

Mobile Passport Control (MPC)

HotelTonight

AutoSlash

ABCmouse

Travel Strollers: Babyzen Yoyo | gb Pockit

ATH Podcast

Ep #166: Best Award Search Tools for Booking Flights with Points & Miles Ep #167: Best Tools for Booking Hotels with Points & Miles Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(00:58) What People Get Wrong About Families Traveling Using Points

(02:53) Nick's Luxury Family Trip to Europe with Points

(06:30) Things to Consider When Booking Multiple Award Seats

(09:45) Booking Award Seats in Economy vs. Premium Economy

(13:55) Flying in Business Class with Kids

(17:55) Splitting Up the Family in Different Award Flights

(20:29) Buying Extra Economy Seats for More Space

(23:27) Prioritizing Sleep on International Flights

(28:43) Nick's Approach to Jet Lag

(30:47) Airline Discounts for Kids

(33:41) How Lap Infant Pricing Works

(36:36) The Best Airlines for Traveling with Kids

(39:08) Pooling Airline Miles with Children

(41:50) Leveraging Companion Passes/Fares for Family Travel

(45:06) Using Carry-On Vs. Checking Bags with Kids

(46:19) Accessories for Traveling with Young Kids

(50:28) Managing Delays and Other Irregularities When Traveling with Kids

(53:16) Why Lounge Access Is a Game Changer

(55:05) Fast Tracking Airport Entry with Kids

(57:11) Tactics Nick Uses to Book Hotels Internationally for His Family

(01:01:08) Booking Rooms with Points vs. Cash

(01:04:07) Emailing Your Hotel for an Upgrade

(01:05:44) Benefit of Having Kids Clubs at Hotels and Resorts

(01:07:53) Tips and Tricks to Book Vacation Rentals

(01:09:54) Transportation Tips When Traveling with Kids

(01:12:55) How Cruises Changed Nick's Travel Game

(01:17:31) Other Family Travel Tips & Tricks

(01:20:40) Planning Activities Around Your Kids' Interests

(01:23:07) Unusual Must-Haves for Trips with Kids

(01:25:22) Top Kid-Friendly Travel Destinations

(01:27:42) Where to Find Nick & His 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.

Partner Deals 

Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#251: Discover why Stoicism matters more than ever and how to make it part of your daily life. We share practical ways to focus on what you can control, build resilience, and cultivate the four Stoic virtues: courage, self-discipline, justice, and wisdom.

Ryan Holiday is a bestselling modern philosopher and author of The Daily Stoic, The Obstacle Is the Way, Ego Is the Enemy, and Stillness Is the Key. His books on Stoic virtues have sold over 10 million copies in 40+ languages. He?s also the founder and host of The Daily Stoic podcast.

Link to Full Show Notes: https://chrishutchins.com/ryan-holiday-mastering-stoicism

Partner Deals

Mercury: Help your business grow with simplified finances

LMNT: Free sample pack of my favorite electrolyte drink mix

Vuori: 20% off the most comfortable performance apparel I've ever worn

Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth

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

Ryan: The Daily Stoic | Podcast | YouTube

Courage Is Calling Discipline Is Destiny Right Thing, Right Now Wisdom Takes Work

The meditations of Marcus Aurelius

Letters from a Stoic by Seneca

The Dialogues of Plato

Old Enough! TV Show

Full Show Notes

(00:00) Introduction

(01:06) What Is Stoicism?

(02:42) Is Stoicism Relevant in Today?s Society?

(04:59) The Journey of Becoming a Stoic

(07:42) Why Humans Don?t Like to Do the ?Hard? Things

(13:34) The Importance of Putting Your Impressions to the Test

(17:42) The Reason Humans Are Never Satisfied

(20:41) How the Stoics View Happiness

(23:22) Where to Draw the Line Between Things in Your Control vs. Not

(29:30) Why It?s Important to Pause and Reflect

(32:56) The Four Stoic Virtues

(35:15) How Ryan Applies Discipline to His Life

(37:46) Stillness Unlocks Elite Performance, Happiness, and Self-Awareness

(39:09) Why Ryan Doesn?t Like Watching the News

(41:24) Can You Have Fun as a Stoic?

(43:18) Ranking the Stoic Virtues

(44:16) How Can We Be More Courageous in Our Daily Lives?

(46:50) Instilling Courage in Your Kids

(50:47) The Role of Justice in Stoicism

(53:27) Approaching Wisdom as a Method

(55:15) How Can Someone Gain More Wisdom?

(57:39) Experiencing Emotions as a Stoic

(01:00:08) The First Step Toward Stoicism

(01:01:02) Where to Find Ryan and His 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.

Partner Deals 

Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#250: Chris dives into listener questions, covering open enrollment, investing, buying gold, life and auto insurance, RSUs, practical ways to leverage AI tools and more.

Link to Full Show Notes: https://chrishutchins.com/open-enrollment-AMA-2025

Partner Deals

Fabric: Affordable term life insurance for you and your family

Superhuman: Free month of the fastest and best email with code ALLTHEHACKS

Gusto: Free 3-month trial of the #1 payroll software

DeleteMe: 20% off removing your personal info from the web

Mercury: Help your business grow with simplified finances

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

PEOs: TriNet | Justworks

Insurance Broker: Rich Sterling

Productivity/AI Tools

Notion NotebookLM Replit Cursor v0 Figma Perplexity Claude

Mesa Homeowners Card (50k bonus with code CHRIS50)

$1,200 U.S. Bank Bonus

ATH Podcast

Newsletter Ep #34: Insider Tricks to Healthcare, Prescriptions and Medical Bills with Marshall Allen Ep 104: Optimizing Your Insurance Policies Ep #140: Navigating Open Enrollment Ep #168: Building an Investment Portfolio to Grow and Protect Your Wealth Ep #248: How to Stop Over-Optimizing and Focus on What Matters with Tim Ferriss Submit questions for our next AMA here Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(00:30) Quick Episode Overview

(01:22) How to Select Your Insurance Plan

(05:19) Saving with a High Deductible Health Plan

(14:19) Tips for Specific Drugs and Providers

(15:27) Dental and Vision Plans

(17:17) Benefits of FSAs

(19:10) Getting Health Insurance Outside of an Employer

(21:08) Getting Insurance for Your Business

(23:20) Insurance via Medical Research Companies and Affinity Groups

(24:52) Direct Primary Care

(25:48) Reimbursing Medical Expenses Charged on a Credit Card

(30:45) Diversification in an Incredibly High Stock Market

(36:20) Investing in Precious Metals: Gold & Silver

(40:55) Strategy for Handling RSU Compensation

(43:35) Variable Universal Life Policy

(48:05) The Rise in Auto Insurance Premiums Following an Accident

(55:22) Buying A Used vs. New Car

(58:06) Chris's Favorite Work Tools Including AI

(01:02:07) Is AI an Actual Threat to Our Jobs?

(01:04:26) Chris's Pre and Post W2 Job Experience

(01:06:50) Find the Best Deals on the ATH Newsletter

(01:10:53) The Next Gift Card Sale

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.

Partner Deals 

Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#249: 3x your points and miles with a multiplayer strategy. We break down how to earn, manage, and maximize rewards with a partner, family, or friends. Plus learn how to handle the logistics, emotions, and systems that make it all work.

Kai is the founder and host of The Daily Churn Podcast, where he shares his churning journey. In 2024, Kai and his partner earned a total of $40,000 and 5 million points.

Link to Full Show Notes: https://chrishutchins.com/playing-the-points-game-with-player-2-kai

Partner Deals

MasterClass: Learn from the world's best with 15% off

Mercury: Help your business grow with simplified finances

Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth

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

Kai: The Daily Churn Podcast | Membership

Monarch Money

Copilot Money (Free 2 months with code HACKS2)

How to Automatically Forward iMessages & Texts to Other Contacts Using Shortcuts

1Password

Google Voice

Tello eSIM

Aligned Incentives

Cashback Monitor

Rakuten

CardPointers (30% off or 50% off for ATH Members)

Replit

Churning While New To Credit

Helping Tim Burn 15M+ Miles and Points

ATH Podcast

Membership Episode #181: Making an Easy $3k/mo from Online Deals with Kai Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(00:49) How Kai and Chris? Partners View the Points and Miles Game

(03:56) Is Playing the Points Game Actually More Lucrative with P2?

(06:26) Maximizing Credit Cards with Two Players

(08:36) Should You Have Authorized Users on Your Cards with P2?

(14:01) The Mechanics of Managing a P2

(15:28) Ways to Access Shared Passwords and Two-Factor Codes

(18:38) Important Conversations to Have with Your P2

(21:10) Playing the Points Game for Other People

(26:05) The Challenges of Managing Points for Others

(31:12) Managing Points for Family Members

(33:51) Playing the Points Game with Children

(35:14) Easing the Burden of Dealing with Card Issuers with a P2

(39:38) The Spectrum of Activities with Multiple Players

(40:52) Leveraging Referrals and Shopping Portals to Maximize Savings with P2

(43:33) Learning to Stop Over-Optimizing

(45:28) Kai?s Podcast and Churning Community

(47:01) Why Your Address Matters in the Points Game

(47:34) Managing 1099s from Referral Points

(49:02) Tips on Adding Authorized Users

(49:45) The Importance of Community in the Points Game

(51:13) How to Share Referral Links on ATH Membership

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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Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
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Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

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#248: Learn to escape the trap of over-optimizing and design a more meaningful life. We explore setting boundaries, resetting priorities, and turning failure into fuel for success. We also dive into Tim?s creative process behind his new card game and the surprising value of play.

Tim Ferriss is an entrepreneur, bestselling author, and host of The Tim Ferriss Show, one of the world?s most popular podcasts with over a billion downloads. He loves experimenting with productivity, health, storytelling, personal growth, and, most recently, card games.

Link to Full Show Notes: https://chrishutchins.com/tim-ferriss-over-optimizing-failure-play

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For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Tim: Website | Podcast | X

The 4-Hour Workweek The 4-Hour Body The 4-Hour Chef THE NO BOOK Where Are You Still Using Single-Ply? Coyote Card Game

Terry Real?s Books

Stumble Upon

Diggnation

Personal Power by Tony Robbins

Secrets of Power Negotiating by Roger Dawson

AcroYoga

Exploding Kittens

Think Like a Game Designer Podcast

Procreate

ATH Podcast

Ep #216: Purpose, Friendship, and Human Skills with Simon Sinek Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(00:45) When Tim Realized That Optimization Could Bend Life in His Favor

(06:40) The Role of Patience in Optimization

(08:14) Dialing Back on Optimizing

(11:23) Do Relationships Require Less Optimization?

(16:45) Fighting Natural Tendencies for a Better Life

(19:57) The Impact of Journaling

(23:42) Does Tim Still Find Himself Over-Optimizing?

(25:14) The 3 Levels of Listening

(29:47) Designing for States

(31:40) Different Lenses for Optimization

(36:28) The Optimizer Curses

(40:53) How to Avoid Decision Fatigue

(45:32) Being Rich Enough to Rent

(48:37) Knowing When to Say ?Yes or ?No?

(55:35) Active vs. Passive Intuition

(01:01:40) How Decisions Get Influenced When You Have Kids

(01:08:01) Is "Play" a State to Aim For?

(01:13:38) Incorporating Play in Adulthood

(01:18:13) The Process of Creating a New Card Game

(01:28:18) The Next Big Project for Tim

(01:30:53) Humans as Storytellers

(01:34:10) Where to Find Tim & His 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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Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#247: Chris dives into Bank of America?s credit card lineup and why he has 5 different BoA cards right now. He'll go over how the Preferred Rewards program can help you earn unlimited 3.3% back on everything. Finally, he also covers approval rules, credit limits, unique perks like free museum access, and more.

Link to Full Show Notes: https://chrishutchins.com/bank-of-america-preferred-rewards

Partner Deals

Gusto: Free 3-month trial of the #1 payroll software 

Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth

Fabric: Affordable term life insurance for you and your family

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Copilot Money: Free 2 months access to my favorite personal finance app with code HACKS2

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Chris? Best Cards Page

BoA Cards: Tier List

Bank of America® Customized Cash Rewards | Susan G. Komen®Bank of America® Unlimited Cash RewardsBank of America® Travel RewardsBank of America® Premium Rewards®Bank of America® Premium Rewards® EliteThe Atmos? Rewards Ascent Visa Signature CardThe Atmos? Rewards Visa Summit CardFree Spirit ® Travel More World Elite MastercardAllways Rewards Visa® cardAir France KLM World Elite MastercardBank of America® Business Advantage Customized Cash Rewards Mastercard®Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®Bank of America® Business Advantage Travel Rewards World Mastercard®The Atmos? Rewards Visa Business Card

Other Cards

Citi® Double Cash CardU.S. Bank Smartly? VisaThe Ritz-Carlton? Credit Card

Frequent Miler: Guide to Ultra-Premium Credit Card Travel Protections

Rakuten: $50 bonus here

BoA: Museums on Us | BankAmeriDeals

ATH Podcast

Ep #245: How Much Are Points and Miles Worth in 2025?Leave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(01:29) Quick Episode Overview

(03:21) BoA Preferred Rewards Program

(06:00) Customized Cash Rewards Card

(08:28) Customized Cash Rewards Card Variations

(13:18) Unlimited Cash Card

(15:50) Travel Rewards Card

(18:02) Premium Rewards Card

(24:54) Travel Benefits on the BoA Premium Cards

(26:25) Atmos Rewards Ascent Card

(32:24) Atmos Rewards Summit Card

(35:10) Valuing Companion Awards

(39:41) Free Spirit Travel More World Elite MasterCard

(41:03) Allegiant Always Rewards Card

(42:08) Air France KLM World Elite MasterCard

(44:26) BoA?s Cruise Cards

(45:03) Business Card Eligibility

(47:12) Business Customized Cash Card

(51:04) Business Unlimited Cash Card

(52:21) Business Travel Rewards Card

(55:41) Atmos Rewards Business Card

(57:59) Applying for BoA Cards

(59:13) 5 Consumer Card Limit

(60:48) BoA Nuances to Keep in Mind

(01:02:13) Credit Limits

(01:03:00) BankAmeriDeals

(01:04:07) Free Museum Access

(01:05:06) Summary

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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Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#246: Today we explore contrarian takes on budgeting, the 4% rule, retirement planning, and the risks of blindly investing in bonds. We also cover strategies for investing, spending, and rethinking how to use money with purpose.

Tyler Gardner is a personal finance creator, educator, and former portfolio manager who?s built a following by challenging conventional money wisdom. He's also the host of Your Money Guide on the Side.

Link to Full Show Notes: https://chrishutchins.com/rethinking-personal-finance-tyler-gardner

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LMNT: Free sample pack of my favorite electrolyte drink mix

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Superhuman: Free month of the fastest and best email with code ALLTHEHACKS

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Tyler: Podcast | Instagram | TikTok

Should I Invest in Bonds?

Bill Perkins: Die With Zero: Getting All You Can from Your Money and Your Life

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: [email protected]

Full Show Notes

(00:00) Introduction

(00:54) The True Purpose of Wealth

(04:18) Do We Really Need an Emergency Fund?

(07:22) Where to Keep Your Money During Uncertainty

(14:45) Quick History Behind the 4% Rule

(18:18) Modifying the 4% Rule for Retirement

(22:30) The Flaws of the 4% Rule

(25:51) How People in Iceland Approach Careers

(27:11) Why You Should Learn to Occupy Time with Your Passion

(31:48) Pursuing a Portfolio Career

(35:20) The Importance of Having "Financial Neighbors"

(38:55) Tyler's One Piece of Advice to Everyone

(42:29) The Problem of Inheriting Money Scripts

(45:35) Ways to Overcome Frugality

(49:57) Tyler's View on Budgeting

(54:28) How to Think About Taking Risks

(57:38) Monte Carlo Scenarios

(01:02:26) The Coast FIRE Movement

(01:04:41) Why Tyler Doesn't Like Bonds

(01:06:54) The Core-Satellite Approach for Investing

(01:12:38) Important Investing Lessons

(01:13:56) Where to Find Tyler

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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Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#245: Ever wonder what points are really worth? I'll break down the different types of points, how to calculate their value, and the biggest mistakes people make along the way. You?ll also learn when cash back might be the smarter choice and my personal card strategy for maximizing credit card rewards.

Link to Full Show Notes: https://chrishutchins.com/what-are-your-points-worth

Partner Deals

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

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

Credit Cards

Atmos? Rewards Summit Visa Infinite® card Robinhood Gold Card Bilt World Elite Mastercard® (Rates and Fees here) U.S. Bank Altitude® Connect Bank of America® Premium Rewards® Bank of America® Premium Rewards® Elite Wells Fargo Autograph? Card American Express® Gold Card American Express® Business Gold Card American Express® Green Card Amazon Prime Visa Card Capital One Venture Rewards Credit Card Capital One Venture X Rewards Credit Card Citi Strata Premier? Card Citi Strata Elite? Card Citi® Double Cash Card U.S. Bank Smartly? Visa Gemini Credit Card

Expert Points Valuations

The Points Guy One Mile at a Time Frequent Miler

Award Search Tools

Points Path Chrome Extension Award Wallet Gondola (Get $50 here)

Award Ticket Change and Cancellation Fees

ATH Podcast

??Free Webinar: 5 Must-Know Tax Moves for Business Owners Chris? Card Value Optimization Tool Membership Ep #244: How I Saved $10,000+ on Luxury Hotels Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(00:50) Why We?re in the Golden Age of Points and Miles

(04:06) The Different Types of Points

(06:04) Unlocking Value With Transfer Bonuses

(07:58) Fake Points and What to Avoid

(08:34) Why Knowing the Value of Points Matters

(10:12) Comparing Points vs. Cash Back

(13:26) Quick Episode Overview

(14:38) Calculating the Floor Value of Points

(16:47) Expert Points Valuation

(19:26) Tools and Data for Valuing Points

(21:55) Booking Domestic vs. International vs. Business Class Flights

(24:27) Flight and Hotel Redemption Takeaways

(29:33) Leveraging Gondola to Book Hotels

(32:24) How to Get More Value From Hotel Points

(34:17) Why Hotel Points Still Hold Value

(35:12) Minimums, Maximums, and Ranges

(36:20) How to Calculate Your Personal Value

(41:18) Chris? Rule of Thumb for Booking Award Flights

(44:06) Key Caveat of Award Redemptions

(46:20) Value of Earning Points vs. Cash Back

(49:40) When Should You Buy Hotel and Airline Points?

(52:46) The Bottom Line on Buying Points

(53:31) How to Value Transferable Points

(55:17) The Psychology Behind Buying Points

(56:34) Leveraging Chris? Card Optimizer Tool

(58:54) Earning Points Across Other Major Categories

(01:01:45) Cash Back Cards That Earn More Than 2%

(01:05:56) Recap: Point Purchases on Cards

(01:07:31) Recap: What Your Points Are Worth

(01:08:51) Making the Case for Earning Points Everywhere

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.

Partner Deals 

Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#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

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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: [email protected]

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

...

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Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#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

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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: [email protected]

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.

Partner Deals 

Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#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: [email protected]

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) Th...

Partner Deals 

Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#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) 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 Membership Newsletter Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected]

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.

Partner Deals 

Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#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: [email protected]

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.

Partner Deals 

Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#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.

Partner Deals 

Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#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: [email protected]

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.

Partner Deals 

Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#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: [email protected]

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.

Partner Deals 

Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#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: [email protected]

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

Partner Deals 

Long Angle: Join a free private community for high net worth investors
Storyworth: Share your mother's stories in a custom book (+ up to $20 off)
Green Chef: ?50% off your first month + 20% off for two months with code 50ALLTHEHACKS
Fora: Become a Fora Advisor today
Quince: Affordable luxury essentials with free shipping + 365 day returns

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals

#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: [email protected]

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.