All the Hacks: Money, Points & Life

#281: Chris shares the full playbook he used to take control of his health after digging into his family historical and lab results. 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 <a href="https://ge

#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

#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 Reward Podcast: 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 #

#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 Claude OpenAI Codex ChatGPT Gemini Perplexity Computer Cursor OpenClaw Tools Chris is using in his stack CardPointers 1Password Zapier Apple Health Notion Dropbox Travel and points tools Google Flights Seats.aero Roame ATH Podcast #265: I Built an AI A

#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-er-disney-shopping 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 Airlines Finnair Avios American Airlines Award Tool Seats.aero Hotels Park Hyatt Tokyo Hilton Tokyo Bay Disney Ambassador Hotel Airbnb Activities teamLab KidZania Tokyo Disneyland Tokyo DisneySea Luggage & Transportation Yamato Transport RideSafer Travel Vest Suica Card <a href="

#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 Airlines Finnair Avios American Airlines Award Tool Seats.aero Hotels Park Hyatt Tokyo Hilton Tokyo Bay Disney Ambassador Hotel Airbnb Activities teamLab KidZania Tokyo Disneyland Tokyo DisneySea Luggage & Transportation Yamato Transport RideSafer Travel Vest Suica Card Takuhaibin Delivery Services Technology & Planning Claude <a href="https://cl

#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 Claude OpenClaw ChatGPT Google Gemini ElevenLabs Vercel Japan Travel Craig Mod's Blog Park Hyatt Tokyo KidZania Tokyo Articles & Pop Culture Leica and Content Authenticity Initiative <a h

#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 Storyworth: Share your mother's stories in a custom book (+ up to $20 off) 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 Reuters Interview with Matty Simmons by The Saturday Evening Post Who Pays For Your Rewards? Redistribution in the Credit Card Market by Agarwal, Presbitero, Silva, and Wix ATH Podcast Best Cards Page AMA: Submit A Question Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Full Show Notes (00:00) Introduction (00:53)

#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 doing Articles: 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 Question Leave a review: Apple Podcasts | <a href="https://open.spotify.com/show/3v8pyFFppVuIL5SvNOa

#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) PointsYeah Seats.Aero Points Path Browser Extension FlightConnections Credit Cards Best Cards Page CardTool App Marriott Bonvoy Brilliant® American Express® Card ATH Podcast Ep 166: Best Award Search Tools for Booking Flights with Points & Miles with Greg the Frequent Miler Ep 227: The Path to Becoming an Expert in Points & Miles with Devon Gimbel Ep 238: 18 Tactics for Booki

#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 Bloom A Reflection On The Little Things The Doorman Fallacy The Real AI Risk Nobody Told You About The 2028 Global Intelligence Crisis Rule for Life: Don't Complain AI Tools Deep Personality Lemon

#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 Partner Deals 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 DeleteMe: 20% off removing your personal info from the web 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 Pass Woodward Vrbo Kirkwood Etekcity Luggage Scale AI Tools Gemini Claude ChatGPT Nano Banana Google Sites Bee Limitless Pendant Wispr Flow Deep Personality Home Gadgets Skylight Aura Frames Paprika Ratio Eight Series 2 Baratza Forté™ BG Health & Wearables Oura Ring WHOOP (← 1 month free) <a href="htt

#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 ChatGPT OpenClaw Gemini Claude | 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 Page Robinhood Gold Card <a h

#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 Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth 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 Experiments Ness Labs ATH Podcast Ep #256: The Easy Way to Build and Maintain Meaningful Relationships with Nick Gray Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Full Show Notes (00:00) Introduction (01:01) The Problem with Setting Big Goals

#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 Worksheet How to maximize your Hilton cards 6 reasons to avoid booking through an online travel agency Existing Bank of America relationship customers to keep status longer Credit Card Trackers CardPointers Pro (30% off here and 50% off here) CardRight Travel Freely ATH Podcast Best Cards Page CardTool App

#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 Change Podcast: 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 Duke Ep #265: I Built an AI Assistant That Works While I Sleep Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Full Show Notes <

#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 ChatGPT OpenClaw Gemini Claude AI Coding & Building Tools Replit Lovable Cursor Codex Productivity & Automation Tools Wispr Flow Zapier Nimble Links Tampermonkey Developer Infrastructure Clerk Supabase GitHub FinTech: Plaid How to Run OpenClaw as your Virtual EA Blogs Doctor of Credit Frequent Miler The Points Guy Deep Personality Credit Cards American Express® Gold Card <a h

#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 DeleteMe: 20% off removing your personal info from the web Copilot Money: Free 2 months access to my favorite personal finance app with code HACKS2 Shopify: $1/month trial for the easiest e-commerce platform Superhuman: Free month of the fastest and best email with code ALLTHEHACKS 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 Cash Bilt Travel Portal Bilt Dining Bilt Home Design Collection Complimentary BLADE airport flight Mastercard World Elite Benefits Guide Award Search Tools Award Wallet point.me (20% off annual plans with code ALLTHEHACKS20) Gopuff BevMo!

#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 Card American Express Platinum Card for Schwab Atmos™ Rewards Summit Visa Infinite® Card Bank of America® Premium Rewards® Elite Bank of America® Unlimited Cash Rewards Bilt Palladium Card (Rates and fees here) Capital One Venture X Business Capital One Venture X Rewards Credit Card Citi® / AAdvantage® Executive World Elite Mastercard® Coinbase One Card Costco Anywhere Visa® Card by Citi Hilton Honors American Express Aspire Card Robinhood Gold Card The Business Platinum Card® from American Express

#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 Trust & Will: Get 20% off personalized, legally binding estate plans MasterClass: Learn from the world's best with 15% off Thrive Market: 30% off your first order of organic groceries + a free $60 gift NetSuite: Free KPI checklist to upgrade your business performance 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 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 Wallet Points Path Chrome Extension Google Flights Awar

#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 Maggiulli Rework by Jason Fried Fizzy Jesse Itzler: Plan An Incredible 2026 In 12 Minutes Podcasts The Daily Churn New Modern Mom: Do you need a house manager? Duolingo Games Magazine Subscription Bram Cohen Puzzles The Big A## Calendar ATH Pod

#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 Perkins Ep #213: The 5 Types of Wealth with Sahil Bloom Ep #215: Medical Travel: Better Care and Lower Costs for Surgery, IVF, Dental, Advanced Screenings and More with Josef Woodman Ep #217: Top AI Tools, Insurance Planning for Fires and More Listener Q&A with Kevin Rose Ep #230: The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life with Nick Maggiulli Ep #233: Money: What Each Generation Gets Right (& Wrong) with Ben Carlson Ep #239: Mini Retirements: How to Take a Break Sooner That Could Also Boost Your Career and Income with Jillian Johnsrud Ep #248: <a href="https://www.chrishutchins.com/tim-ferriss-over-optimizi

#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, Solved Your 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

#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® Card Robinhood Gold Card The Atmos™ Rewards Visa Summit Card Citi® / 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 | Spotify Email 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

#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 Vuori: 20% off the most comfortable performance apparel I've ever worn 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 Page Ep 144: Leveraging Tax-Advantaged Accounts to Maximize Your Wealth with Katie Gatti Tassin Ep 243: Smarter Strategies for Retirement, Wealth Building, and Taxes with Michael Kitces Leave a review: Apple Podcasts | Spotify

#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 Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth Daffy: Free $25 to give to the charity of your choice Bilt Rewards: Earn the most valuable points when you pay rent Storyworth: Share your family stories in a custom book (+ $10 off) 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.org November 2025 Asset Allocation Personal Website Checklist The 2-Hour Cocktail Party: How to Build Big Relationships with Small Gatherings RSVP Tracking Partiful Luma Mixily Free Amazon Fulfillment Center Tours Animal Spirits Podcast Rippner Tennis Cruises Below Deck Frequent Miler’s Casino Status Strategy for Free Cruises CruiseSheet Personal Domain Services <

#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 Keepa Rakuten ($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 Site Membership ⁠Newsletter⁠ Ep #122: ⁠⁠Cooking at Home: Delicious

#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 Partner Deals NetSuite: Free KPI checklist to upgrade your business performance Storyworth: Share your family stories in a custom book (+ $10 off) DeleteMe: 20% off removing your personal info from the web Daffy: Free $25 to give to the charity of your choice 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 Lowry Ep #205: Building Better Habits, Strengthening Relationships, and More Listener Q&A with Chris and Amy Ep #213: The 5 Types of Wealth with Sahil Bloom Ep #239: Mini Retirements: How to Take a Break Sooner That Could Also Boost Your Career and Income Ep #252: Family Travel on Points: Tips, Tricks and Tactics with Nick Reyes

#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

#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 <a href="htt

#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

#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 questio

#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 Poin

#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 Partner Deals 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 Shopify: $1/month trial for the easiest e-commerce platform 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 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 <a href="https://www.thinklikeagamed

#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 DeleteMe: 20% off removing your personal info from the web 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 Rewards Bank of America® Travel Rewards Bank of America® Premium Rewards® Bank of America® Premium Rewards® Elite The Atmos™ Rewards Ascent Visa Signature Card The Atmos™ Rewards Visa Summit Card Free Spirit ® Travel More World Elite Mastercard Allways Rewards Visa® card Air France KLM World Elite Mastercard <a href="https://chri

#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 Partner Deals Trust & Will: Get 20% off personalized, legally binding estate plans LMNT: Free sample pack of my favorite electrolyte drink mix Mercury: Help your business grow with simplified finances Vuori: 20% off the most comfortable performance apparel I've ever worn 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

#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™ Vis

#244: I'll explain how I saved over $10k on luxury hotels in Costa Rica and Carmel Valley using points, free nights, and elite perks. I’ll walk you through every step, from how to book with points, when to buy them on sale, how to stack hotel credits, which hotel programs give you upgrades and free breakfast, and more! Link to Full Show Notes: https://chrishutchins.com/maximize-savings-costa-rica-carmel-valley Partner Deals Daffy: Free $25 to give to the charity of your choice NetSuite: Free KPI checklist to upgrade your business performance Vuori: 20% off the most comfortable performance apparel I've ever worn Thrive Market: 30% off your first order of organic groceries + a free $60 gift LMNT: Free sample pack of my favorite electrolyte drink mix For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Credit Cards Hilton Honors American Express Aspire Card Hilton Honors American Express Surpass® Card The Business Platinum Card® from American Express Blog Posts How to maximize your Hilton cards How to use Hyatt's Guest of Honor Globalist benefit How to earn up to 6 free nights with Hyatt Brand Explorer Award Search Tools Rooms.Aero AwardTool ($20 off annual plans with code ALLTHEHACKS) Points Path Chrome Extension PointsYeah Hotels Awayz ($10 for ATH listeners and 50% off for ATH members) Gondola MaxMyPoint StayWithPoints Cos

#243: Discover smarter strategies to grow your wealth and create financial flexibility. We dive into when it makes sense to invest beyond retirement accounts, how to access savings early through Roth conversions and 72(t) distributions, ways to reduce taxes with HSAs, tax-advantaged accounts, and charity, and so much more. Michael Kitces is the Head of Planning Strategy at Focus Partners Wealth, co-founder of XYPN and publisher of a continuing education blog for financial planners, Nerd’s Eye View. Link to Full Show Notes: https://chrishutchins.com/smarter-savings-retirement-michael-kitces Partner Deals Mercury: Help your business grow with simplified finances Oceans: Best proactive global talent to level up your work and life OpenPhone: 20% off the first 6 months of your own business phone system DeleteMe: 20% off removing your personal info from the web Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Michael Kitces: Website | Focus Partners Wealth | XYPN Blog Posts The Four Phases Of Saving And Investing For Retirement 3 Types Of Retirement And Their Very Different Savings Strategies Supplemental Saving In An HSA For Retiree Medical Expenses IRA Aggregation Rule And Pro-Rata IRA Taxation Effective Backdoor Roth Strategy: Rules, IRS Form 8606 <a href="https://www.kitces.com/blog/rule-72t-sepp-calculate-paymen

#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 <li

#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 <a href=

#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: <a href="htt

#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 th

#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

#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

#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 <a href="h

#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

#234: In this bonus episode, Chris discusses the new Mesa Homeowners Card, some new big welcome bonuses, card and hotel program devaluations, two new points promotions, free summer activities and more. Link to Full Show Notes: ⁠⁠https://chrishutchins.com/card-news-promos-and-more-june-2025⁠ Resources Mentioned Mesa Homeowners Card Amex Platinum: Up to 175k Bonus Amex Gold: Up to 100k Bonus ⁠Major Card Refresh (100k/200k Bonus)⁠ Coinbase One 4% Card Venture X Lounge Changes Hilton Devaluation Free Uber One for Delta Cards Hyatt Peloton Promo Plastiq Personal Payment Options Kids Bowl Free Free National Park Days Bank of America Free Museum Days Full Show Notes (00:00) Introduction (00:56) Mesa Homeowners Card (06:49) New Amex Personal Card Bonuses (09:19) Card Refresh + New Bonuses (15:37) New Coinbase Card (16:13) Venture X Lounge Access Changes (19:31) Hilton Devaluation (20:30) Delta Card + Uber One Benefit (21:27) Hyatt + Peloton Promotion (22:28) Using Plastiq for Personal Payments (23:11) Free Summer Activities (23:47) Saving on Apple Subscriptions Connect with Chris ⁠⁠Newsletter⁠⁠ | ⁠⁠Membership⁠⁠ | ⁠⁠X⁠⁠ | ⁠⁠Instagram⁠⁠ | ⁠⁠LinkedIn⁠⁠ Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This co

#233: Explore how different generations approach money and what they get right (and wrong) about saving, investing, spending, and building wealth. We dig into the psychology of money across generations and share practical lessons on homeownership, retirement, automation, points inflation, and more. Ben Carlson is the Director of Institutional Asset Management at Ritholtz Wealth Management. He runs the popular financial blog, A Wealth of Common Sense and is the author of four books on investing and personal finance. He also co-hosts one of my favorite podcasts: Animal Spirits. Link to Full Show Notes: https://chrishutchins.com/financial-mindsets-across-generations-ben-carlson Partner Deals Superhuman: Free month of the fastest and best email with code ALLTHEHACKS Green Chef: 50% off your first meal kit with code 50ALLTHEHACKS Notion: Try Notion AI free to automate tedious tasks and streamline your work Bilt Rewards: Earn the most valuable points when you pay rent DeleteMe: 20% off removing your personal info from the web For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Ben Carlson: Website | Animal Spirits Podcast | X Ben's Post: Financial Advice That Doesn’t Work Anymore Morningstar Column by John Rekenthaler Tim Ferriss Ep #815: Helping Tim Burn 15M+ Miles and Points, Flipping Costco Gold Into Five-Star Trips & More Award Travel Search Tools AwardTool: $20 off annual plans with code ALLTHEHACKS PointsYeah Points Path Chrome Extension Coinbase One: Join the waitlist <a href="https://www.co

#232: Chris reviews his current credit card lineup for 2025. He also covers how to evaluate new/existing cards, some card changes for 2025, new cards he's excited about, the best cards for each major spending category, and apps to manage all your cards. Link to Full Show Notes: https://chrishutchins.com/whats-in-my-wallet-2025 Link to What's In My Wallet Blog Post: https://chrishutchins.com/blog/whats-in-my-wallet-for-2025/ Partner Deals Trust & Will: Get 20% off personalized, legally binding estate plans Bilt Rewards: Earn the most valuable points when you pay rent Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth Thrive Market: 30% off your first order of organic groceries + a free $60 gift LMNT: Free 8-count sample pack of my favorite electrolyte drink mix For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Chris' Full What's In My Wallet Post Credit Card Holder Wallet Frequent Miler Premium Card Worksheet Copilot: Free 2 months with code HACKS2 Chris’ Card Optimizer Tool Southwest Companion Pass Complete Guide 2025 Kick Bookkeeping: 50% off your first year here Credit Card Trackers CardPointers Pro: 30% off here and 50% off here CardRight Travel Freely AwardWallet The Points Guy App ATH Podcast Membership