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    Business

    All the Hacks: Money, Points & Life

    Never leave money on the table. This is your shortcut to upgrading your life, money and travel—all while spending less and saving more. Get tactical moves and deep dives into designing a life you’re excited about.

    Host Chris Hutchins is a life hacker who has saved millions by breaking down every aspect of life and looking to maximize happiness at the lowest cost. Chris and guests like Tim Ferriss, Tony Hawk, Codie Sanchez and Gary Vaynerchuk are here to deliver smart strategies you can plug into your own life—from a money hack that increases your net worth, to a routine change that boosts your productivity.

    Advertise

    Copyright: © 2024 - Chris Hutchins

    • Apple Podcasts
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    Latest Episodes:
    Optimizing Metabolic Health to Live a Longer and Healthier Life with Dr. Casey Means Oct 09, 2024
    Show notes

    #196: In this deep dive on metabolic health, Dr. Casey Means shares insights on how changes to your food, exercise, sleep, and more can improve your metabolic health. She also shares her recommendations on essential biomarkers to monitor your health and the role of functional medicine in personalized healthcare.

    Casey Means, MD, is a Stanford-trained physician and co-founder of Levels, a health tech company focused on reversing the global metabolic health crisis. She’s the author of the #1 New York Times bestseller Good Energy and her work has been featured in The New York Times, The Wall Street Journal, Forbes, and more.

    Link to Full Show Notes: https://chrishutchins.com/casey-means-metabolic-health


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


    Resources Mentioned

    Casey Means: Website | Newsletter | Instagram | X

    • Book: Good Energy

    Levels Blog

    Diabetes Reversal Diets: Virta Health | Mastering Diabetes

    Biomarker Testing and Services

    • DexaFit
    • Function Health (ALLHACKS100 to skip the waitlist)
    • InsideTracker (Get 10% off here)
    • Levels (Discounts on Subscriptions here)
    • Instalab
    • Life Extension
    • Next Health

    Functional Medicine Doctors

    • The Institute for Functional Medicine
    • Parsley Health

    Medical Journals: New England Journal of Medicine | Journal of the American Medical Association

    • Environmental Obesogens and Their Impact on Susceptibility to Obesity

    Sleep Tracker: Oura Ring

    Continuous Glucose Monitoring (CGM): Levels

    ATH Podcast

    • Ep #151: Master the Skill of Sleep with Mollie Eastman
    • Follow & Review on Apple Podcasts
    • Email us for questions, tips, deals and feedback


    Full Show Notes

    (00:00) Introduction

    (02:02) Why Investing in Healthcare Is Making Us More Sick

    (04:53) Metabolic Dysfunction: Definition and Impact

    (08:38) The Causes of Metabolic Dysfunction

    (12:35) The Role of Food in Metabolic Health

    (19:46) Ways to Identify Healthy and Unhealthy Processed Food

    (23:59) How Our Body Handles Sugar

    (27:04) The 5 Essential Components of Food

    (28:33) How Important Is Hydration?

    (30:45) Testing and Biomarkers for Metabolic Health

    (34:11) Advanced Tests for Specific Health Functions

    (40:37) Affordable Services to Test Your Biomarkers

    (43:05) What Does a Functional Medicine Doctor Do?

    (45:19) Understanding Diagnostic Categories

    (49:43) Leveraging Continuous Glucose Monitoring for Your Overall Health

    (52:47) Does the Timing and Order of What You Eat Matter?

    (55:44) Why You Should Take a Walk After Your Meals

    (58:32) Sleep Hygiene Tips for Better Metabolic Health

    (1:01:17) Types of Exercises That Boost Your Metabolism

    (1:05:13) What Are Environmental Toxins and How Can You Get Rid of Them?

    (1:09:21) The Impact of Good Cellular Function and How to Start Improving It

    (1:11:20) Where to Find Dr. Casey Means


    Connect with Chris

    Newsletter | Membership | Twitter | 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


    50+ Ways to Earn More Points and Miles Without Spending More Oct 02, 2024
    Show notes

    #195: Learn 50+ tactics to earn points and miles without spending extra money. From shopping portals and card-linked offers to strategies for earning points on groceries, flights, and even rent, discover how to optimize your spending and leverage partnerships between airlines, hotels, and various services to rack up points effortlessly.

    Link to Full Show Notes: https://chrishutchins.com/50-ways-to-earn-more-points-and-miles


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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

    Shopping Portals

    • Cashback Monitor
    • Rakuten
    • CardPointers: 30% off (50% off for ATH Members)
    • United MileagePlus X
    • SimplyMiles
    • MyPoints
    • Amazon x JetBlue

    Paid Surveys: e-Rewards

    Dining: Bilt Rewards | OpenTable x IHG | SkyMiles Dining

    Drugs Stores: Bilt Rewards x Walgreens

    Starbucks x Delta

    Groceries: Albertsons/Safeway Just For U Rewards x Alaska Airlines

    Local Events

    • NFL: 12Status
    • Ticketmaster x Delta
    • Broadway and Off Broadway Shows: Audience Rewards

    Fuel: Shell x American Airlines

    Hotel + Airline Partnerships

    • United Airlines x Marriott
    • American Airlines x Hyatt
    • Marriott x Emirates

    Hotel Booking Platform

    • Paisly by JetBlue
    • Delta Vacations
    • Stays by Alaska Vacations
    • AAdvantage Hotels™
    • Southwest Hotels
    • Rocketmiles

    Home Rentals

    • Airbnb: Delta | British Airways | Qantas
    • Vrbo: United Airlines | JetBlue
    • Villas of Distinction x MileagePlus

    Travel

    • Car Rental Programs: Avis Budget x United Airlines | Turo x Delta
    • Lyft: Alaska Airlines | Delta | Hilton Honors | Bilt Rewards
    • Uber x Marriott
    • Thanks Again

    Activities

    • Viator x Wyndham
    • GetYourGuide x Alaska Airlines
    • World of Hyatt FIND

    Pets: Rover x American Airlines

    Rent: Bilt Rewards

    Debit Cards: Paypal Bills

    Bank Accounts

    • American Express Rewards Checking
    • Bask Bank Mileage Savings

    Mortgage

    • Rocket Mortgage
    • Guaranteed Rate
    • BetterMortgage

    Energy Providers

    • NRG Energy
    • Reliant Energy
    • XOOM Energy
    • EnergyPlus

    Donations

    • Stand Up To Cancer
    • National Foundation for Cancer Research x United Airlines

    ATH Podcast

    • Episode 164: Earn Points Paying Taxes with a Credit Card
    • Newsletter
    • Membership
    • Email us for questions, tips, deals and feedback


    Full Show Notes

    (00:00) Introduction

    (01:57) Shopping Portals for Extra Points

    (06:03) Leveraging Card-Linked Offers

    (07:13) Apps and Websites for Bonus Miles and Points

    (09:36) Online Survey Programs

    (12:26) Dining(14:08) Drug Stores

    (15:09) Delta SkyMiles from Starbucks

    (15:46) Groceries

    (19:22) Local Events

    (20:48) Fuel Spend for Points and Miles

    (21:38) Earning Miles Through Flights

    (23:18) Points and Miles on Hotels

    (25:01) Hotel Booking Platforms

    (28:12) Home Rental Earnings

    (29:02) Car Rental Rewards

    (30:13) Points and Miles on Cruises

    (30:41) Points with Lyft and Uber

    (32:08) How to Earn Points on Activities

    (35:13) Easiest Way to Earn Points on Rent

    (38:08) Earning Points on Debit Cards

    (40:20) Paying Taxes to Earn Points

    (41:13) Bank Accounts: Miles vs. Interest

    (44:01) Airlines and Mortgage Partnerships

    (44:41) Earning Miles via Energy Providers

    (45:36) Leveraging Transfer Bonuses

    (47:19) Earning Points with Credit Card Referrals

    (47:48) Company Reimbursements

    (49:15) Using Donations to Earn Points

    (51:12) ATH Newsletter & Membership


    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


    The Simple Path to Wealth and FU Money with JL Collins Sep 25, 2024
    Show notes

    #194: Build wealth and achieve financial freedom with three simple, actionable steps. Personal finance expert JL Collins discusses the concept of "FU" money, the importance of living on less than you earn, the power of low-cost index fund investing, and other effective strategies to create long-term wealth.

    JL Collins is the author of The Simple Path to Wealth and a popular personal finance blog, where he helps countless individuals take control of their financial futures by simplifying wealth-building strategies. With decades of experience, his work has been widely influential in the FIRE movement.

    Link to Full Show Notes: https://chrishutchins.com/jl-collins-the-simple-path-to-wealth


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


    Resources Mentioned

    JL Collins: Blog | X | Facebook

    • Books: The Simple Path to Wealth | Pathfinders
    • Time Machine and the Future Returns for Stocks

    Blog: Mr. Money Mustache

    J.P. Morgan Asset Management Analysis: Is your money working its hardest for you?

    ATH Podcast:

    • Ep #91: Die With Zero: Net Fulfillment Over Net Worth with Bill Perkins
    • Ep #189: Beyond the 4% Rule: Smarter Strategies for Financial Independence with Karsten Jeske
    • Follow & Review on Apple Podcasts
    • Email us for questions, tips, deals and feedback


    Full Show Notes

    (00:00) Introduction

    (02:20) What Is "FU" Money and How Is It Related to Financial Freedom?

    (04:13) Real Life Examples of "FU" Money (Even With Small Savings)

    (07:27) The Simple Path to Wealth Explained

    (09:31) Is Saving the Hardest Part of Creating Wealth?

    (11:54) How to Prioritize Your Lifestyle for Financial Freedom

    (19:26) Why Becoming Wealthy Is Simpler Than You Think

    (23:15) Do You Need to Quit Your Job When You're Financially Independent?

    (25:52) How to Look at Investments as a Way of Saving

    (30:08) Should You Cash Out Your Portfolio When the Market Is Down?

    (36:54) The Different Implications of the Trinity Study (Safe Withdrawal Rates)

    (40:19) Expanding Your Portfolio Beyond U.S. Exposure

    (49:21) Difference Between VTSAX vs. VTI

    (53:19) How to Avoid Fees When Investing

    (54:54) Strategies to Roll Over 401(k)s

    (59:36) Exceptions for Debt

    (1:04:49) Is Financial Independence About Freedom or Wealth?

    (1:10:06) What Is the Real Benefit of Financial Freedom and Independence?

    (1:10:52) Where to Find JL Collins


    Connect with Chris

    Newsletter | Membership | Twitter | 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


    The Power of Trust and Skepticism with Jamil Zaki Sep 18, 2024
    Show notes

    #193: Unlock better opportunities, improve your emotional and physical health, and build stronger relationships by embracing “hopeful skepticism.” Dr. Jamil Zaki shares science-backed, actionable strategies to overcome the rising tide of cynicism and shift toward a positive mindset— paving the way for a more fulfilling and successful life.

    Dr. Jamil Zaki is the director of the Stanford Social Neuroscience Lab and a psychology professor at Stanford University. Trained at Columbia and Harvard, Dr. Zaki has published his work on empathy and kindness in the human brain, including his books The War For Kindness and Hope for Cynics.

    Link to Full Show Notes: https://chrishutchins.com/jamil-zaki-hopeful-skepticism


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


    Resources Mentioned

    Chris Hutchins's Q&A Submission

    Jamil Zaki: Website | X | Instagram

    • Hope for Cynics: The Surprising Science of Human Goodness
    • Social Neuroscience Laboratory

    Cynic Personality Self Evaluation

    ATH Podcast:

    • Follow & Leave a Review on Apple Podcasts
    • Email us for questions, tips, deals and feedback


    Full Show Notes

    (00:00) Introduction

    (02:35) The Difference Between Being Cynical vs. Skeptical

    (05:12) Why There’s a Massive Rise in Cynicism and Drop in Trust

    (07:36) Ways to Identify if You're a Cynic

    (09:45) The Spectrum of Cynicism

    (12:48) What’s the Ultimate Benefit of Overcoming Cynicism?

    (16:46) Is There Any Benefit to Being Cynical in Certain Scenarios?

    (20:30) The Generational Difference in Cynicism

    (21:41) Why Hopeful Skepticism Isn't the Same as Optimism

    (23:26) How to Cultivate Hopeful Skepticism

    (26:58) What Are Values Affirmations?

    (28:35) Ways to Engage People Who Are Too Cynical

    (31:18) Why You Should Experiment with Risk Tolerance in Social Settings

    (37:59) How to Deal with Hopeful Cynicism When Your Trust Is Broken

    (41:21) Role of Your Intuition and Gut vs. Science

    (44:37) The Impact of Cynicism on Personal Finance and Optimization

    (47:51) Dealing with Cynics in Your Own Family and Friend Circles

    (49:47) Advice for Parents to Course Correct Kids

    (52:27) The Rule of Exception in Cynicism


    Connect with Chris

    Newsletter | Membership | Twitter | 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


    How I Saved Over $20K on a Luxury European Vacation Sep 11, 2024
    Show notes

    #192: Here's how we saved over $20,000 on our recent Europe trip! Learn how to use award flight tools to score affordable business-class tickets, maximize hotel loyalty programs for luxury stays, and find incredible travel deals. We’ll also review highlights from our trip, including top restaurants, airport experiences, Olympic events, and so much more!

    Link to Full Show Notes: https://chrishutchins.com/save-20k-luxury-europe-trip


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


    Resources Mentioned

    Flight Tools

    • Ep #166: Best Tools for Booking Flights with Points & Miles with Greg the Frequent Miler
    • AwardTool ($20 off annual plans with code ALLTHEHACKS)
    • Seats.Aero
    • PointsYeah
    • point.me
    • avianca lifemiles+ Program
    • Direct Flights: FlightConnections

    Hotel Tools

    • Ep #167: Best Tools for Booking Hotels with Points & Miles with Greg the Frequent Miler
    • Awayz ($10 for ATH listeners and 50% off for ATH members)
    • Rooms.Aero

    Chris' Airline/Hotel Transfer Partner Spreadsheet

    Hotels

    • 7Pines: Sardinia | Ibiza
    • Hôtel Martinez Cannes by Hyatt
    • Hyatt Paris Madeleine
    • Hyatt's Tier List

    Car Rental Tools

    • AutoSlash
    • SIXT
    • Hertz
    • National

    Restaurants

    • Paris: Arnaud Nicolas
    • Palma: Vandal

    Places in Mallorca

    • Hotel: Cap Rocat | Sea Club Restaurant
    • Cities: Sóller | Palma de Mallorca
    • Catedral de Mallorca

    Credit Cards

    • Cards Page
    • American Express® Gold Card
    • Hilton Honors American Express Aspire Card
    • Hilton Honors American Express Surpass® Card

    ATH Podcast

    • Newsletter
    • Membership
    • Follow & Review on Apple Podcasts
    • Email us for questions, tips, deals and feedback
    • Ep #175: Booking Summer Travel Award Flights (34:35)
    • Ep #184: Chris’ Summer Award Travel Update (06:27)
    • Ep #187: 42 Travel Planning Tips & Tricks from Travel Pro Leigh Rowan
    • Ep #188: My Must-Have Products and Services for Life, Work and More


    Full Show Notes

    (00:00) Introduction

    (03:02) Getting the Best Deal on Our Flights

    (06:07) How to Book Flights Using Transfer Partners

    (10:30) Why We Decided Not to Take Our Kids on This Trip

    (13:34) How We Planned Our 40th Birthday in Europe

    (17:58) Leveraging Credit Card Welcome Bonuses For Hotel Perks

    (23:33) How We Booked Our Hotel in Paris

    (26:39) Booking Our Intra-European Flights

    (33:12) Renting a Car in Mallorca

    (34:29) How We Booked Tickets to the Olympics

    (36:34) The Flight Experience to Paris

    (43:35) A Review of the Hyatt Paris Madeleine

    (46:00) Arnaud Nicolas: A Michelin Guide Restaurant

    (47:11) Our Olympic Experience

    (53:13) A Review of the Paris-Orly Airport and Transavia Flights

    (56:20) What It's Like in Mallorca

    (58:21) Why We Would Give Cap Rocat (Mallorca) a Perfect Score

    (1:02:11) Bora Bora vs. Mallorca

    (1:03:57) Things We Did in Mallorca

    (1:07:41) Quick Review of Condor Airlines

    (1:13:01) Overall Takeaway on Europe


    Connect with Chris

    Newsletter | Membership | Twitter | 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


    11 Lessons Every Investor Needs to Know with Ben Carlson Sep 04, 2024
    Show notes

    #191: Grow your wealth and build a resilient portfolio by making smarter decisions with these 11 investing lessons. Financial advisor Ben Carlson and I share actionable insights on managing risk, overcoming psychological barriers in investing, and the power of simplicity and diversification to ensure long-term, fulfilling financial success.

    Ben Carlson is the Director of Institutional Asset Management at Ritholtz Wealth Management and the author of four books on investing and personal finance. He runs the popular blog A Wealth of Common Sense, where he shares insights on financial markets and investing strategies. Ben also co-hosts Animal Spirits, one of my favorite podcasts.

    Link to Full Show Notes: https://chrishutchins.com/ben-carlson-money-lessons


    Resources Mentioned

    Ben Carlson: Website | Animal Spirits Podcast | X

    • 20 Lessons From 20 Years of Managing Money
    • My All-Time High in Savings
    • You Probably Need Less Money Than You Think For Retirement

    Wealthfront Risk Parity Fund | What is Risk Parity?

    JP Morgan: S&P 500 Market Concentration Chart

    Fractional Vacation Homes: Pacaso

    Paula Pant’s Podcast: Afford Anything

    Safe Withdrawals: Free DIY Withdrawal Rate Toolbox | Safe Withdrawal Rate Series

    Study: Spending Habits of Retirees

    ATH Podcast

    • Ep #41: Beating Inflation, Alternative Assets, and Simplifying Your Finances with Ben Carlson
    • Ep #59: Save Money, Build Wealth and Just Keep Buying with Nick Maggiulli
    • Ep #91: Die With Zero: Net Fulfillment Over Net Worth with Bill Perkins
    • Ep #117: Navigating a High Rate Market: Buying a Home, Preparing for a Recession and Where to Put Cash with Ben Carlson
    • Ep #168: Building an Investment Portfolio to Grow and Protect Your Wealth with Chris Doyl
    • Ep #180: Stocks vs. Real Estate: What’s the Best Investment to Build Wealth?
    • Ep #186: 25 Money Rules (and When to Break Them) with Brian Feroldi
    • Ep #189: Beyond the 4% Rule: Smarter Strategies for Financial Independence with Karsten Jeske
    • Join our Newsletter
    • Follow & Review on Apple Podcasts
    • Email us for questions, tips, deals and feedback


    Full Show Notes

    (00:00) Introduction

    (02:30) Experience in Investing Is Not the Same as Expertise

    (03:24) Intelligence Doesn’t Guarantee Investment Success

    (05:42) No One Lives Life in the Long Term

    (07:32) Experiences Shape Your Perception of Risk

    (10:12) The Biggest Risks Are Always the Same yet Different

    (13:29) Optimism Should Be Your Default

    (20:03) There Is No Such Thing as a Perfect Portfolio

    (22:31) Overthinking Can Be Just as Debilitating as Not Thinking at All

    (24:30) How to Think About a Simple Portfolio with International Exposure

    (26:17) Less Is More

    (30:17) Ways to Reduce Overthinking

    (32:02) Tax Loss Harvesting vs. Direct Indexing

    (39:02) Why Ben Wrote a Post on 20 Money Lessons

    (40:11) Lesson #10: There Is a Big Difference Between Rich and Wealthy

    (43:37) The Reason Ben and Chris Invested in Holiday Homes

    (48:27) What's a Reasonable Amount to Save?

    (51:29) You Probably Need Less Money Than You Think for Retirement

    (56:47) The Final Biggest Takeaway


    Connect with Chris

    Newsletter | Membership | Twitter | 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


    Why High-Performers Focus on Energy, Not Time with Sahil Bloom Aug 28, 2024
    Show notes

    #190: Transform your relationships, productivity, and overall quality of life by discovering how to be intentional with your time. Sahil and I share actionable tactics to build better habits (and get rid of bad ones), improve your listening, boost creativity, choose the right people to surround yourself with, and so much more!

    Sahil Bloom is the author of 5 Types of Wealth and writer of The Curiosity Chronicle, a popular weekly newsletter that provides actionable ideas to help build a high-performing, healthy, wealthy life. He is also an investor and runs a venture fund called SRB Ventures.

    Link to Full Show Notes: https://chrishutchins.com/sahil-bloom-time-vs-energy


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    Facet: Personalized Financial Planning + $250 enrollment fee waived

    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

    Sahil Bloom: Website | Newsletter | X

    • Book: 5 Types of Wealth
    • Blog Post with Charts: How We Spend Our Time

    Brave New World By Aldous Leonard Huxley (Free PDF)

    Tim Ferriss: 17 Questions That Changed My Life

    Stanford Study: Walking Improves Creativity

    Video: It's Not About The Nail

    Ep #185: 12 Tactics to Make More Time EVERY Day with Jake Knapp and John Zeratsky


    Full Show Notes

    (00:00) Introduction

    (02:42) The Fundamental Difference Between Time and Energy

    (04:56) How to Identify Life Seasons to Prioritize Things That Matter

    (07:35) Anti-To-Do List: What Is It and How Can It Help You?

    (11:44) The Law of Reversed Effort

    (14:00) A Think Day to Focus on the Bigger Picture

    (22:41) Why Walking Is the Single Most Powerful Habit

    (23:26) Sahil's 30 for 30 Approach for Building a New Habit

    (26:59) The Face Down Phone Theory

    (29:31) Tactics to Disconnect From Your Phone

    (33:50) The 3 Levels of Listening

    (41:22) Listening in Romantic Relationships

    (43:17) How Important Is It to Spend Time With the Right People?

    (44:25) Ways to Find the Right People for You

    (48:28) Sahil's #1 Rule in Life: Don't Complain (About Anything)

    (49:51) The Benefits of Being Intentional With Time

    (50:53) Sahil's New Book: 5 Types of Wealth


    Connect with Chris

    Newsletter | Membership | Twitter | 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


    Beyond the 4% Rule: Smarter Strategies for Financial Independence with Karsten Jeske Aug 21, 2024
    Show notes

    #189: Learn to master retirement market risks and safe withdrawal rates with finance expert Karsten Jeske. We explore key strategies like the 4% rule, sequence of return risk, and delve into roles of taxes, annuities, inflation protection, portfolio allocation, and even the psychological aspects of retirement planning.

    Karsten Jeske is the founder of Early Retirement Now, a blog where he shares his expertise in retirement planning, safe withdrawal rates, and financial independence. He has a PhD in economics and is a Chartered Financial Analyst.

    Link to Full Show Notes: https://chrishutchins.com/how-to-retire-early-karsten-jeske


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


    Resources Mentioned

    Karsten Jeske: Blog | X | LinkedIn

    Safe Withdrawal Rate Series

    • Part 14 & Part 15: Sequence of Return Risk
    • Part 28: Free DIY Withdrawal Rate Toolbox
    • Part 35: Asset Location
    • Part 43: Pre-Retirement Glidepaths
    • Part 61: Safety First

    Blog Post: Stealth Frugality

    Shiller CAPE Ratio

    Alpha Architect 1-3 Month Box ETF: BOXX

    Blog For Tax Optimization: Go Curry Cracker

    ATH Podcast:

    • Ep #2: Financial Independence Without a Six Figure Salary with Brad Barrett
    • Ep #141: The Spectrum of Financial Independence and Tools to Track Your Progress with Brad Barrett
    • Follow & Review on Apple Podcasts
    • Email us for questions, tips, deals and feedback


    Full Show Notes

    (00:00) Introduction

    (02:00) Should Everyone Retire Early?

    (05:09) The Rule of 4% as a Guideline

    (09:46) The Role of Longevity in the 4% Rule

    (12:46) Using Historical Data for Retirement Simulations

    (19:11) Sequence of Return Risk: What It Means & What to Do About It

    (23:51) Strategies to Mitigate the Sequence of Return Risk

    (30:41) The Flexibility of Safe Withdrawal Rates

    (37:49) How to Adjust Withdrawal Rates Based on Current Market Conditions

    (45:53) The Reverse Glide Path Strategy

    (49:30) The Impact of Inflation on Retirement Planning

    (57:03) Evaluating Annuities

    (59:40) Ways to Consider Tax Optimization Strategies

    (1:04:29) How to Think About Portfolio Allocation During Accumulation

    (1:12:25) The Role of International Diversification in Equity Allocation

    (1:16:57) Karsten's View on Tax Loss Harvesting

    (1:20:34) Asset Location

    (1:22:35) Is Adding Leverage to Your Equity Worth It?

    (1:26:41) Advice for Someone Early in the Accumulation Phase

    (1:28:27) Stealth Frugality

    (1:29:39) How Do People Spend During Retirement?


    Connect with Chris

    Newsletter | Membership | Twitter | 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


    My Must-Have Products and Services for Life, Work and More Aug 14, 2024
    Show notes

    #188: Here are the 130+ things I cannot (or don’t want to) live without, including my favorite tech, web and mobile apps, travel gear, subscriptions, banks and financial tools. I also share health and fitness items, smart home gadgets, kitchen tools, must-haves for kids and more!

    Link to the full show notes with all the links and discounts for everything mentioned: https://chrishutchins.com/stuff-i-use


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


    Products Mentioned

    Note: I've only included links to products with discounts here, because I have limited space. You can find the full list at chrishutchins.com/stuff.


    Email: Superhuman (Free month with code ALLTHEHACKS)

    1Password (← Free 2-week trial)

    NordVPN (← Discount + 4 months free)

    Cash Back: Rakuten (← Free $30)

    MasterClass (← 15% off)

    Virtual Mailbox: Stable (← 50% off)

    Remove Personal Info: DeleteMe (← 20% off)

    Kubera (← 1st year free for ATH members)

    ProjectionLab (← 10% off with code ATH-10)

    Copilot (← 2 months free with code HACKS2)

    Daffy (← Free $25 for charity)

    CPAs: Gelt (← Skip the waitlist)

    Trustworthy (← 10% off)

    Cold Plunge (← $150 off)

    Vuori Activewear (← 20% off)

    Bonobos (← 25% off)

    Indochino (← 10% off with code ALLTHEHACKS)

    goodr sunglasses (← $10 off)

    Mack Weldon Underwear (← $20 off)

    Backpacks: Tortuga (← 10% off)

    Suitcases: Away (← $40 off) & Monos

    CardPointers Pro (← 30% off)

    TeslaFi (← 2 Weeks Free)

    Eight Sleep (← $150 off)

    Green Chef (← 50% off with code ALLTHEHACKS50)

    DRAM (← 20% off)

    Cameras: nanit (← 15% off with CHRISH15)

    Toys: Lovevery (← $20 off)

    Au Pairs: Cultural Care (← $175 off)

    Dog Food: Sundays (← 50% off)

    Virtual Assistants: Oceans (← $1000 off for mentioning ATH) + My Delegation Guide


    Full Show Notes

    (00:00) Introduction

    (03:04) Tech: Personal, Computer, Speakers

    (04:42) Stuff On My Desk

    (07:27) Storage(09:15) Software on My Computer

    (14:21) Chrome Extensions

    (17:30) Best Apps On My Phone

    (21:34) Favorite Subscriptions

    (24:23) Best Bank Accounts and Personal Finance Tools

    (25:48) Charitable Giving

    (27:11) Health And Fitness

    (30:59) Clothing(39:26) Apps for Points and Miles

    (42:30) Smart Home Tech and Gadgets

    (44:36) Home Energy

    (45:59) Games I Love

    (47:02) Food and Kitchen Gadgets

    (51:17) Things We Use For The Kids

    (54:27) Stuff We Get For Our Dog (Finn)

    (55:52) Business and Podcast Items


    Connect with Chris

    Newsletter | Membership | Twitter | 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.

    Chris Hutchins is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

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


    42 Travel Planning Tips & Hacks from Travel Pro Leigh Rowan Aug 07, 2024
    Show notes

    #187: Learn the art of travel planning to enjoy incredible vacations. Travel pro Leigh and I share over 40 practical tips to create the perfect itinerary, save on flights and hotels, find travel inspiration, experience destinations like a local, and much more.

    Leigh Rowan is the founder and CEO of Savanti Travel, a full-service travel management company. Prior to that he was the COO of The Points Guy.

    Link to Full Show Notes: https://chrishutchins.com/travel-planning-leigh-rowan


    Partner Deals

    LMNT: Free sample pack of my favorite electrolyte drink mix

    Facet: Personalized Financial Planning + $250 enrollment fee waived

    Mint Mobile: $15/mo for unlimited wireless on the nation's largest 5G network

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

    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

    Leigh Rowan: Savanti Travel | Twitter

    Travel Publications for Inspiration

    • Robb Report
    • Travel + Leisure
    • The New York Times: 52 Places to Go This Year
    • Lonely Planet

    Flight Monitoring Tool: TripIt

    Article: Award Ticket Change and Cancellation Fees

    Activities, Experiences, Tours

    • Airbnb Experiences
    • Viator
    • Context Travel

    International Data: Airalo | Mint Mobile

    Love and London: Get 10% off digital travel guides and itineraries with code "ALLTHEHACKS"


    Episodes:

    • #1: Pro Travel Tips for Every Aspect of Your Next Trip with Leigh Rowan
    • #51: Unlocking Travel Lifestyles of the Rich and Famous with Leigh Rowan
    • #84: The Vagabond's Way: Time Wealth, Slow Travel, and Immersing Yourself in a New Place with Rolf Potts
    • #86: The Best Deals for a Vacation Rentals, Exchanges, Fractionals, Timeshares and More!
    • #89: Booking Flights with Points and All Things Award Travel with Tiffany Funk
    • #94: How to Experience London Like a Local and Get There on Points with Jessica Dante (+ Chris' Trip Report)
    • #107: Italy Unlocked: Insider Tips, Must-See Destinations and Booking Flights/Hotels on Points with Leigh Rowan
    • #115: Iceland: Planning an Epic Adventure with Brandon Presser
    • #156: Finding the Best Deals on Flights with Zach Resnick
    • #166: Best Tools for Booking Flights with Points & Miles with Greg the Frequent Miler
    • #167: Best Tools for Booking Hotels with Points & Miles with Greg the Frequent Miler

    Find other travel, points & miles related episodes here.


    Full Show Notes

    (00:00) Introduction

    (00:41) The Secret to an Incredible Vacation

    (02:33) Why Travel Planning Starts with Organization

    (06:15) Ways to Feel Inspired

    (09:21) Considering Seasonality and Timing

    (12:46) How Chris Uses Notion for Travel Planning

    (15:22) Leveraging ChatGPT

    (22:03) Tips to Monitor Booked Flights (+ Save Money!)

    (23:59) 3 Ways to Make Your Layover Count

    (29:05) Double Booking Hack for Flights

    (31:16) Rules of Thumb for Creating an Itinerary

    (40:04) Finding Accommodation and Getting Deals

    (44:23) Why Leigh Emails Hotels After Every Booking

    (46:54) Finding Local Experiences

    (53:37) Free Walking Tours

    (55:07) Finding Travel Inspiration Through Online Videos

    (58:26) Should You Use Credit Card Concierges for a Local Experience?

    (1:05:48) The Importance of Local Embassies

    (1:06:50) Best Ways to Access Money Abroad

    (1:06:58) Travel Insurance

    (1:10:02) Important Trip Elements to Review for Upcoming Travel


    Connect with Chris

    Newsletter | Membership | Twitter | 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


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