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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
    • Google Play
    • Spotify

    Latest Episodes:
    Contrarian Takes on Money, Risk, and Retirement with Tyler Gardner Sep 17, 2025
    Show notes

    #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: podcast@chrishutchins.com


    Full Show Notes

    (00:00) Introduction

    (00:54) The True Purpose of Wealth

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

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

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

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

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

    (25:51) How People in Iceland Approach Careers

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

    (31:48) Pursuing a Portfolio Career

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

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

    (42:29) The Problem of Inheriting Money Scripts

    (45:35) Ways to Overcome Frugality

    (49:57) Tyler's View on Budgeting

    (54:28) How to Think About Taking Risks

    (57:38) Monte Carlo Scenarios

    (01:02:26) The Coast FIRE Movement

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

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

    (01:12:38) Important Investing Lessons

    (01:13:56) Where to Find Tyler


    Connect with Chris

    Newsletter | Membership | X | Instagram | LinkedIn


    Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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


    How Much Are Points and Miles Worth in 2025? Sep 10, 2025
    Show notes

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


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


    Partner Deals

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

    Fabric: ⁠Affordable term life insurance for you and your family

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

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

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

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


    Resources Mentioned

    Credit Cards

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

    Expert Points Valuations

    • The Points Guy
    • One Mile at a Time
    • Frequent Miler

    Award Search Tools

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

    Award Ticket Change and Cancellation Fees

    ATH Podcast

    • ⁠⁠Free Webinar: 5 Must-Know Tax Moves for Business Owners
    • Chris’ Card Value Optimization Tool
    • Membership
    • Ep #244: How I Saved $10,000+ on Luxury Hotels
    • Leave a review: Apple Podcasts | Spotify
    • Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com


    Full Show Notes

    (00:00) Introduction

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

    (04:06) The Different Types of Points

    (06:04) Unlocking Value With Transfer Bonuses

    (07:58) Fake Points and What to Avoid

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

    (10:12) Comparing Points vs. Cash Back

    (13:26) Quick Episode Overview

    (14:38) Calculating the Floor Value of Points

    (16:47) Expert Points Valuation

    (19:26) Tools and Data for Valuing Points

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

    (24:27) Flight and Hotel Redemption Takeaways

    (29:33) Leveraging Gondola to Book Hotels

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

    (34:17) Why Hotel Points Still Hold Value

    (35:12) Minimums, Maximums, and Ranges

    (36:20) How to Calculate Your Personal Value

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

    (44:06) Key Caveat of Award Redemptions

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

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

    (52:46) The Bottom Line on Buying Points

    (53:31) How to Value Transferable Points

    (55:17) The Psychology Behind Buying Points

    (56:34) Leveraging Chris’ Card Optimizer Tool

    (58:54) Earning Points Across Other Major Categories

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

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

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

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


    Connect with Chris

    Newsletter | Membership | X | Instagram | LinkedIn


    Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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


    How I Saved $10,000+ on Luxury Hotels Sep 03, 2025
    Show notes

    #244: I'll explain how I saved over $10k on luxury hotels in Costa Rica and Carmel Valley using points, free nights, and elite perks. I’ll walk you through every step, from how to book with points, when to buy them on sale, how to stack hotel credits, which hotel programs give you upgrades and free breakfast, and more!


    Link to Full Show Notes: https://chrishutchins.com/maximize-savings-costa-rica-carmel-valley


    Partner Deals

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

    NetSuite: Free KPI checklist to upgrade your business performance

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

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

    LMNT: Free sample pack of my favorite electrolyte drink mix

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


    Resources Mentioned

    Credit Cards

    • Hilton Honors American Express Aspire Card
    • Hilton Honors American Express Surpass® Card
    • The Business Platinum Card® from American Express

    Blog Posts

    • How to maximize your Hilton cards
    • How to use Hyatt's Guest of Honor Globalist benefit
    • How to earn up to 6 free nights with Hyatt Brand Explorer

    Award Search Tools

    • Rooms.Aero
    • AwardTool ($20 off annual plans with code ALLTHEHACKS)
    • Points Path Chrome Extension
    • PointsYeah Hotels
    • Awayz ($10 for ATH listeners and 50% off for ATH members)
    • Gondola
    • MaxMyPoint
    • StayWithPoints

    Costa Rica

    • Waldorf Astoria Costa Rica Punta Cacique
    • Adobe Rent a Car
    • Playa Hermosa, Guanacaste
    • Sensoria
    • Diamante Eco Adventure Park
    • La Finca

    Carmel Valley Ranch: Little Ranchers | River Ranch

    • Earthbound Farm
    • Lucia Restaurant & Bar
    • The Great Tide Pool
    • Revival Ice Cream
    • Snack Shack at Lovers Point
    • Lucy's On Lighthouse
    • Monterey Bay Aquarium

    Alila Ventana Big Sur Hotel

    Buy World Of Hyatt Points For 20% Off

    Elemental Movie

    ATH Podcast

    • Video Episode with Photos/Videos⁠
    • Luxury Hotel Upgrade Program
    • Ep #157: Costa Rica: A Top Travel Destination for Adventure, Rainforests and Relaxation with Javier Echecopar
    • Ep #167: Best Tools for Booking Hotels with Points & Miles with Greg the Frequent Miler
    • Ep #182: Shortcuts to Elite Travel Status with Greg the Frequent Miler
    • Leave a review: Apple Podcasts | Spotify
    • Email for questions, hacks, deals, and feedback: podcast@allthehacks.com

    Full Show Notes

    (00:00) Introduction

    (00:47) How Chris Got Six Free Hilton Night Certificates

    (01:53) How Hilton Free Night Certificates Work

    (02:59) Earning Free Nights with Hilton Credit Cards

    (04:13) Planning the Trip to Costa Rica

    (06:23) Buying Hilton Points (and the Caveats)

    (09:40) Ways to Earn Hilton Status

    (13:48) Stacking Amex and Hilton Credits

    (16:14) Booking Flights with Points & Leveraging Alerts

    (19:35) Renting Cars in Costa Rica

    (20:55) The Flight Experience

    (22:16) Adobe Car Rental Review

    (23:03) Waldorf Astoria Costa Rica Overview

    (25:20) How We Handled an Issue at the Hotel

    (30:09) Resort Layout, Pools & Amenities

    (33:16) Our Sensoria Rainforest Excursion

    (35:46) Diamante Eco Adventure Park & Zip Lining

    (37:06) The Dining, Drinks & Staff Experience

    (40:33) Sharing Feedback & Tipping the Hotel Staff

    (41:59) Overall Costa Rica Takeaways & Total Costs

    (45:33) How to Maximize Travel Perks without Points

    (48:50) Booking Carmel Valley Ranch with Hyatt Points

    (51:29) Hyatt Globalist Perks & Guest of Honor Certificates

    (54:08) Hyatt Brand Explorer Program

    (54:37) The Experience at Carmel Valley Ranch

    (58:21) Off-Property Activities & Local Recommendations

    (01:00:06) Trip Recap & Key Takeaways

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


    Smarter Strategies for Retirement, Wealth Building, and Taxes with Michael Kitces Aug 27, 2025
    Show notes

    #243: Discover smarter strategies to grow your wealth and create financial flexibility. We dive into when it makes sense to invest beyond retirement accounts, how to access savings early through Roth conversions and 72(t) distributions, ways to reduce taxes with HSAs, tax-advantaged accounts, and charity, and so much more.


    Michael Kitces is the Head of Planning Strategy at Focus Partners Wealth, co-founder of XYPN and publisher of a continuing education blog for financial planners, Nerd’s Eye View.


    Link to Full Show Notes: https://chrishutchins.com/smarter-savings-retirement-michael-kitces


    Partner Deals

    Mercury: Help your business grow with simplified finances

    Oceans: Best proactive global talent to level up your work and life

    OpenPhone: 20% off the first 6 months of your own business phone system

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

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

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


    Resources Mentioned

    Michael Kitces: Website | Focus Partners Wealth | XYPN

    Blog Posts

    • The Four Phases Of Saving And Investing For Retirement
    • 3 Types Of Retirement And Their Very Different Savings Strategies
    • Supplemental Saving In An HSA For Retiree Medical Expenses
    • IRA Aggregation Rule And Pro-Rata IRA Taxation
    • Effective Backdoor Roth Strategy: Rules, IRS Form 8606
    • Strategies For Maximizing (Or Minimizing!) Rule 72(t) Early Distribution Payments
    • Systematic Partial Roth Conversions & Recharacterizations

    72t Distribution Calculator

    ATH Podcast

    • Submit questions for AMA
    • Leave a review: Apple Podcasts | Spotify
    • Email for questions, hacks, deals, and feedback: podcast@allthehacks.com


    Full Show Notes

    (00:00) Introduction

    (00:53) Should You Max Out Your Retirement Accounts?

    (05:08) Investing in Your Career as a High-Return Strategy

    (09:55) Saving in a Taxable Account vs. Retirement Account

    (13:40) Tax Advantages of a Retirement Account vs. Brokerage Account

    (16:19) How to Think About Emergency Savings

    (18:06) Choosing the Best Retirement Accounts

    (24:21) Reimbursing Medical Expenses via HSA

    (27:02) Evaluating the Core Retirement Accounts

    (29:19) Nuances of the Backdoor Roth IRA

    (30:53) Traditional vs. Roth IRA

    (32:12) Why the Majority Shouldn’t Worry About Tax Brackets

    (36:58) Roth Conversions in Low-Income Years (Sabbaticals)

    (39:52) Consolidating and Managing Old 401(k)s

    (42:05) Can You Access Retirement Funds via Roth Conversions?

    (42:44) Why Michael Doesn’t Practice Roth Conversions Before Retirement

    (45:36) The Rules for 72(t) Distributions

    (48:35) Tackling the Account Sequencing Problem

    (52:16) Leveraging Charity for Tax Deductions

    (53:58) What Happens When You Leave Money to Your Kids

    (1:00:43) Where to Find Michael, His Work and Services


    Connect with Chris

    Newsletter | Membership | X | Instagram | LinkedIn


    Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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


    Deep Dive on Capital One Credit Cards and Miles (+ Why I Love Them) Aug 20, 2025
    Show notes

    #242: Chris dives into the Capital One credit card lineup, breaking down earning structures for miles and cash back, exciting benefits, and redemption strategies. He also covers the best 2-card combo, transfer partners, important application rules, and more.


    Link to Full Show Notes: https://chrishutchins.com/capital-one-credit-cards-miles-guide


    Partner Deals

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

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

    Trust & Will: Get 20% off personalized, legally binding estate plans

    LMNT: Free sample pack of my favorite electrolyte drink mix

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

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


    Resources Mentioned

    Chris' Best Cards Page

    Capital One Cards Tier List

    Iceland Trip

    Venture Cards

    • Capital One Venture Rewards Credit Card
    • Capital One VentureOne Rewards Credit Card
    • VentureOne Rewards for Good Credit from Capital One
    • Capital One Venture X Rewards Credit Card
    • Capital One Venture X Business

    Spark Miles Cards

    • Capital One Spark Miles for Business
    • Capital One Spark Miles Select For Business

    Capital One Savor Cash Rewards Credit Card

    Quicksilver Cards

    • Capital One Quicksilver Cash Rewards Credit Card
    • Capital One QuicksilverOne Cash Rewards Credit Card

    Spark Cash Cards

    • Capital One Spark Cash
    • Capital One Spark Cash Plus
    • Spark 1.5% Cash Select Business Card
    • Capital One Spark 1% Classic for Business

    Platinum Mastercard® from Capital One

    Co-Branded Cards

    • Williams Sonoma Key Rewards Visa
    • Pottery Barn Key Rewards Visa
    • west elm Capital One Credit Card
    • The Key Rewards® Visa

    Capital One Resources

    • Credit Card Pre-Approval Tool
    • Eno® from Capital One®
    • Capital One Shopping
    • Capital One Dining
    • Capital One Entertainment
    • MLB™ Mondays at Capital One Café (Free Coffee)

    Blog Posts

    • Why your credit card travel portal might be a poor way to book travel
    • How to Get Approved for Business Cards
    • How to Get MLB Tickets for 5,000 Miles
    • How to book Vacasa Vacation Rentals with Wyndham points

    ATH Podcast

    • Ep #228: Deep Dive on Citi Credit Cards and ThankYou Points (Best 2-Card Combo)
    • Ep #236: Deep Dive on Amex Credit Cards and Membership Rewards Points
    • Ep #240: Top Airline & Hotel Transfer Partners to Maximize Your Points with Greg the Frequent Miler
    • Luxury Hotel Upgrade Program
    • Airline/Hotel Transfer Partner Spreadsheet
    • Membership: Join here
    • Leave a review: Apple Podcasts | Spotify
    • Email for questions, hacks, deals, and feedback: podcast@allthehacks.com

    Full Show Notes

    (00:00) Introduction

    (01:17) Quick Episode Overview

    (03:43) Capital One Venture Card

    (05:30) The VentureOne Card

    (06:46) Venture One Card for Good Credit

    (07:33) Capital One Venture X Rewards

    (08:17) Using the Capital One Travel Portal

    (12:27) Venture X Card Benefits

    (13:50) Capital One's Lounge Network & Access

    (18:44) The Venture X Business Card

    (24:06) Spark Miles Cards

    (26:29) Difference in Earning Miles vs. Cash Back Cards

    (27:13) Savor Rewards Card

    (32:15) Quicksilver Cards

    (33:57) The Spark Cash Cards

    (39:27) The No Reward Platinum Mastercard

    (40:11) The Four Co-Branded Williams Sonoma Cards

    (44:04) Capital One Perks: Virtual Card Numbers, Free Coffee & More

    (48:02) Online & Card-Linked Offers

    (52:11) Capital One Dining

    (52:42) Best Redemptions for Capital One Miles

    (54:08) Hotel & Airline Transfer Partners

    (57:49) Moving Capital One Miles

    (58:43) Important Rules to Keep in Mind

    (1:01:01) Quick Summary

    (1:03:10) The Best Two Capital One Card Combo

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


    Earn More Points with New Cards, Bonuses, and Challenges in 2025 Aug 13, 2025
    Show notes

    #241: We cover new credit cards, increased welcome bonuses, and major changes to existing cards and their benefits. Plus, learn how to rack up thousands of points through airline and hotel challenges and giveaways.


    Link to Full Show Notes: https://chrishutchins.com/new-cards-increased-offers-points-challenges


    Partner Deals

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

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

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

    Fabric: Affordable term life insurance for you and your family

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

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


    Resources Mentioned

    Credit Cards

    • Chris' Cards Page
    • Citi Strata Elite℠ (100,000 point offer)
    • Citi Strata℠
    • Citi Double Cash® Card
    • Citi Strata Premier℠ Card
    • U.S. Bank Smartly™ Visa
    • Marriott Bonvoy Brilliant® American Express® Card
    • Marriott Bonvoy Bevy® American Express® Card
    • Marriott Bonvoy Business® American Express® Card
    • American Express® Gold Card
    • The Platinum Card® from American Express
    • Bilt World Elite Mastercard® (Rates and Fees here)
    • Nibbles Credit Card
    • Rakuten American Express® Card
    • Gemini Credit Card
    • Coinbase One Card

    "Weird Al" Yankovic

    Rakuten: Free $30 here

    Airline & Hotel Challenges

    • Frequent Miler: Million Mile Madness Recap
    • Etihad: The Extraordinary Challenge
    • JetBlue: 25 for 25
    • JetBlue: TrueBlue Partner Passport Challenge
    • Choice Hotels: 1-Million Points Sweepstakes

    ATH Podcast

    • Ep #228: Deep Dive on Citi Credit Cards and ThankYou Points (Best 2-Card Combo)
    • Ep #236: Deep Dive on Amex Credit Cards and Membership Rewards Points
    • Ep #234: Earn Points on Mortgage, 100k+ Card Bonuses, New 4% Card, Devaluations and More
    • Southwest Cards Refresh
    • Membership
    • Newsletter
    • Leave a review: Apple Podcasts | Spotify
    • Email for questions, hacks, deals, and feedback: podcast@allthehacks.com

    Full Show Notes

    (00:00) Introduction

    (00:51) Citi Strata Elite Card Perks & Earnings

    (05:24) 100K Welcome Offer

    (12:00) U.S. Bank Card Changes

    (17:05) Southwest Card Refresh

    (18:44) How to Earn a Southwest Companion Pass

    (21:27) Increased Bonuses on Marriott Bonvoy Cards

    (22:50) Elevated Amex Welcome Offers

    (25:13) Bilt Card & Benefits

    (29:43) Mesa Homeowners Card for Mortgage Payments

    (33:07) The Nibbles Card for Pets

    (34:56) The New Rakuten Card

    (37:31) Gemini Credit Card

    (41:38) The Coinbase One Card

    (46:28) Etihad & Turkish Airlines Points Challenge

    (48:50) Latest JetBlue Challenges

    (56:15) Choice Hotel 1M Sweepstake

    (57:07) Upcoming Changes to the Podcast

    (57:58) Chris’ Birthday Request


    Connect with Chris

    Newsletter | Membership | X | Instagram | LinkedIn


    Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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


    Top Airline & Hotel Transfer Partners to Maximize Your Points with Greg the Frequent Miler Aug 06, 2025
    Show notes

    #240: Transferring points is one of the best ways to maximize your points, so today we share the top airline and hotel transfer partners. We also cover strategies to get the most out of your points, including how to leverage transfer bonuses, identify sweet spots, avoid common mistakes, and more.


    Greg Davis-Kean is the founder of Frequent Miler, a blog dedicated to helping people maximize their travel rewards and loyalty programs, mostly without flying. He is also the host of the Frequent Miler on the Air podcast.


    Link to Full Show Notes: https://chrishutchins.com/top-transfer-partners-greg-frequent-miler


    Partner Deals

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

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

    LMNT: ⁠Free sample pack of my favorite electrolyte drink mix

    NetSuite: Free KPI checklist to upgrade your business performance

    OpenPhone: 20% off the first 6 months of your own business phone system

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


    Resources Mentioned

    Greg Davis-Kean: Frequent Miler | Newsletter | Podcast

    Frequent Miler Resources

    • Current Transfer Bonuses
    • How to Save Miles by Flying More
    • How to book EVA Air Infinity MileageLands awards
    • How to book Vacasa Vacation Rentals with Wyndham points

    Flight Award Search Tools

    • PointsYeah
    • AwardTool ($20 off annual plans with code ALLTHEHACKS)

    ATH Podcast

    • Airline/Hotel Transfer Partner Spreadsheet
    • Ep #166: Best Award Search Tools for Booking Flights with Points & Miles with Greg the Frequent Miler
    • Ep #167: Best Tools for Booking Hotels with Points & Miles with Greg the Frequent Miler
    • Leave a review: Apple Podcasts | Spotify
    • Email for questions, hacks, deals, and feedback: podcast@allthehacks.com


    Full Show Notes

    (00:00) Introduction

    (01:00) Outsized Value from Transferring Points

    (02:27) Quick Episode Overview

    (08:21) Why Emirates First Class Is a Coveted Experience

    (15:22) Air Canada's Aeroplan Program

    (19:06) Maximizing Transfer Bonuses

    (20:32) Getting Value from the Virgin Atlantic Flying Club

    (26:44) Sweet Spot for Virgin Atlantic

    (34:22) Using Air France-KLM Flying Blue for Business Class Flights

    (40:23) Leveraging Avios Points

    (45:23) Avios Sweet Spots and Places to Avoid

    (51:40) Emirates, Singapore Airlines, and Cathay Pacific

    (55:44) Is the Avianca LifeMiles Program Worth It?

    (59:30) JetBlue’s Transfer Partners

    (1:01:44) Southwest Airlines

    (1:04:39) Aeromexico

    (1:04:52) Qantas and Turkish Airlines

    (1:06:43) Booking Flights via United

    (1:09:26) EVA Air Program for Flights to Asia

    (1:11:18) Uses for ANA

    (1:12:45) TAP Air and Thai Airways

    (1:13:21) Why Greg Loves Alaska Miles

    (1:15:31) Difference Between Airline Miles vs. Hotel Points

    (1:16:37) Using Hyatt Points

    (1:18:07) Getting Value from Wyndham, IHG, and Hilton

    (1:21:11) The Marriott Bonvoy Program

    (1:21:40) Booking Hotels with Citi ThankYou Points

    (1:23:28) Leader’s Club

    (1:25:10) Wells Fargo and Accor Points

    (1:25:58) Why You Should Set Up Your Award Programs in Advance

    (1:27:47) Is It Possible to Reverse Transfers?

    (1:28:56) Where to Find Greg and Frequent Miler Resources


    Connect with Chris

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    Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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    Mini Retirements: How to Take a Break Sooner That Could Also Boost Your Career and Income with Jillian Johnsrud Jul 30, 2025
    Show notes

    #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


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


    Resources Mentioned

    Jillian: Website | Podcast | Instagram

    Jillian's Book: Retire Often

    Free Worksheets: Planning | Negotiating


    Full Show Notes

    (00:00) Introduction

    (02:12) Why Traditional Retirements Are Flawed

    (04:32) What Is a Mini Retirement?

    (06:50) How to Make More Money by Working Less

    (09:46) Managing Your Time During a Mini Retirement

    (11:57) Common Types of Mini Retirements

    (15:43) Ways to Design an Impactful Mini Retirement

    (18:19) Financial Implications of a Mini Retirement

    (20:40) Chris and Amy's Mini Retirement

    (22:57) How to Negotiate a Mini Retirement With Your Employer

    (30:41) Paid Leave vs. Unpaid Leave

    (37:18) Finding Work After a Mini Retirement

    (42:10) Tips for People Who Are Self-Employed

    (46:52) How to Plan, Save, and Spend for Your Mini Retirement

    (49:33) Estimating the Cost of a Mini Retirement

    (53:45) All the Different Ways a Mini Retirement Can Go Wrong

    (56:55) Should You Take a Mini Retirement With or Without Your Partner?

    (59:07) Health and Travel Insurance Options

    (1:01:09) Jillian's Parting Advice

    (1:02:23) Where to Find Jillian and Her Work


    Connect with Chris

    Newsletter | Membership | X | Instagram | LinkedIn


    Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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    18 Tactics for Booking Travel with Points & Miles Jul 23, 2025
    Show notes

    #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


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    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: 7 months free on an annual plan with code ALLTHEHACKS7
    • Seats.Aero: Lufthansa First Class Finder | Qatar Qsuites Finder | JAL First Class Finder
    • PointsYeah: Daydream Explorer
    • AwardTool: $20 off annual plans with code ALLTHEHACKS
    • Awayz: $10 for ATH listeners and 50% off for ATH members
    • MaxMyPoint
    • StayWithPoints
    • Rooms.Aero
    • Points Path Chrome Extension
    • FlightConnections
    • Skiplagged

    Other Resources

    • Award change/cancel policies by airline
    • The best programs for lap infant award tickets
    • Frequent Miler Podcast: How to Save Miles by Flying More

    ATH Podcast

    • Ep #166: Best Award Search Tools for Booking Flights with Points & Miles with Greg the Frequent Miler
    • Ep #167: Best Tools for Booking Hotels with Points & Miles with Greg the Frequent Miler
    • Ep #227: The Path to Becoming an Expert in Points & Miles with Devon Gimbel
    • Newsletter: Subscribe here
    • Leave a review: Apple Podcasts | Spotify
    • Email for questions, hacks, deals, and feedback: podcast@allthehacks.com


    Full Show Notes

    (00:00) Introduction

    (01:54) Quick Episode Overview

    (03:25) Leveraging Flexibility to Unlock Travel Opportunities

    (06:47) The Importance of Understanding Airline Partners

    (07:15) Comparing Award Flight Deals

    (09:51) Different Cancellation Policies Across Airline Programs

    (12:37) Expiration Policies

    (14:11) Understanding Schedule Opens and Booking Windows

    (16:55) Award Search Tools

    (22:13) When and Why You Should Buy Points on Sale

    (23:35) Finding Award Sweet Spots

    (26:20) Leveraging Transfer Bonuses

    (29:00) Why You Should (Almost) Always Book One-Way Travel

    (31:07) How to Strategically Position Long-Haul Flights

    (34:40) Taking Advantage of Stopovers and Open Jaws

    (40:30) Pros (and Cons) of Mixed Cabin Awards

    (42:56) Setting Up Alerts to Find the Ideal Flight

    (44:56) Booking Backup Flights

    (46:25) Three Biggest Pain Points of Award Bookings

    (48:31) Hidden City Ticketing

    (52:16) Tips for Hotel Award Deals

    (53:42) Airline Pricing for Lap Infants and Children

    (55:39) Outsized Value from the Southwest Companion Pass


    Connect with Chris

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    Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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


    How to Design a Rich Life at Any Income with Ramit Sethi Jul 16, 2025
    Show notes

    #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


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


    Resources Mentioned

    Ramit Sethi: Website | X | Instagram

    • Money for Couples: Book | Podcast | YouTube
    • Earnable Program

    ATH Podcast

    • Ep #91: Die With Zero: Net Fulfillment Over Net Worth with Bill Perkins
    • Leave a review: Apple Podcasts | Spotify
    • Email for questions, hacks, deals, and feedback: podcast@allthehacks.com


    Full Show Notes

    (00:00) Introduction

    (02:23) How Much Money Do You Actually Need to Live a Rich Life?

    (04:25) Identifying Money Dials to Live a Rich Life

    (06:16) The Four Key Numbers You Need to Track Your Finances

    (12:02) How to Learn the Skill of Spending Money

    (17:58) Ways to Reframe How You Look at Costs

    (23:02) Analyzing How Optimizers Spend

    (26:37) Why It's Important to Find Your Worry-Free Number

    (28:38) Spend Money Based on the Stage You’re in Life

    (34:48) The Role of Income (& Side Hustles) in Your Rich Life

    (38:41) Why You Have to Be Honest About Your Rich Life

    (40:25) Tackling Big Financial Decisions

    (43:27) Why Ramit Thinks Lifestyle Creep Is a Myth

    (45:04) How Chris and Amy Decided to Sell Their Vacation Home

    (48:13) The Power of Being Decisive and How to Build the Skill

    (54:56) Biggest Traps People Face When Moving Up the Wealth Ladder

    (58:40) How AI Has Impacted the Way People Manage Their Finances

    (1:01:17) Ramit's Challenge for You to Live Your Rich Life

    (1:03:34) Where to Find Ramit, His Book, and Other Work


    Connect with Chris

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    Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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