All the Hacks with Chris Hutchins

#237: Start living your rich life today regardless of your income. Learn how to spend without guilt, track the four key financial numbers that matter most, harness the power of decisiveness, and avoid the common traps that hold people back as their income grows. Ramit Sethi is a personal finance expert and the NYT bestselling author of I Will Teach You to Be Rich. He hosts the popular Netflix show, How to Get Rich, and the Money for Couples podcast. Link to Full Show Notes: https://chrishutchins.com/guilt-free-rich-life-ramit-sethi Partner Deals LMNT: ⁠⁠Free 8-count sample pack of my favorite electrolyte drink mix OpenPhone: ⁠⁠20% off the first 6 months of your own business phone system⁠ Notion: Try Notion AI free to automate tedious tasks and streamline your work Quince: Affordable luxury essentials with free shipping + 365 day returns Thrive Market: 30% off your first order of organic groceries + a free $60 gift For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Ramit Sethi: Website | X | Instagram Money for Couples: Book | Podcast | YouTube Earnable Program ATH Podcast Ep #91: Die With Zero: Net Fulfillment Over Net Worth with Bill Perkins Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:23) How Much Money Do You Actually Need to Live a Rich Life? (04:25) Identifying Money Dials to Live a Rich Life (06:16) The Four Key Numbers You Need to Track Your Finances (12:02) How to Learn the Skill of Spending Money (17:58) Ways to Reframe How You Look at Costs (23:02) Analyzing How Optimizers Spend (26:37) Why It's Important to Find Your Worry-Free Number (28:38) Spend Money Based on the Stage You’re in Life (34:48) The Role of Income (& Side Hustles) in Your Rich Life (38:41) Why You Have to Be Honest About Your Rich Life (40:25) Tackling Big Financial Decisions (43:27) Why Ramit Thinks Lifestyle Creep Is a Myth (45:04) How Chris and Amy Decided to Sell Their Vacation Home (48:13) The Power of Being Decisive and How to Build the Skill (54:56) Biggest Traps People Face When Moving Up the Wealth Ladder (58:40) How AI Has Impacted the Way People Manage Their Finances (1:01:17) Ramit's Challenge for You to Live Your Rich Life (1:03:34) Where to Find Ramit, His Book, and Other Work Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

#236: Chris reviews and ranks the full American Express lineup of 30+ cards. He also breaks down Membership Rewards, transfer partners, approval rules, card-linked offers, unique perks, and more. Link to Full Show Notes: https://chrishutchins.com/amex-cards-membership-rewards-points Partner Deals Kick: 50% off your first year of self-driving bookkeeping w/ code CHRIS DeleteMe: 20% off removing your personal info from the web Bilt Rewards: Earn the most valuable points when you pay rent NetSuite: Free KPI checklist to upgrade your business performance For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Best Cards Page Amex Cards Tier List Membership Rewards Cards American Express® Green Card Business Green Rewards Card American Express® Gold Card The American Express® Business Gold Card The Platinum Card® from American Express American Express Platinum Card for Schwab The Platinum Card® from American Express Exclusively for Morgan Stanley The Business Platinum Card® from American Express The Blue Business® Plus Credit Card from American Express Cash Back Cards Blue Cash Everyday® Card from American Express Blue Cash Preferred® Card from American Express American Express Blue Business Cash™ Card The Plum Card from American Express Delta Cards Delta SkyMiles® Blue American Express Card Delta SkyMiles® Gold American Express Card Delta SkyMiles® Gold Business American Express Card Delta SkyMiles® Platinum American Express Card Delta SkyMiles® Platinum Business American Express Card Delta SkyMiles® Reserve American Express Card Delta SkyMiles® Reserve Business American Express Card Hilton Cards Hilton Honors American Express Card Hilton Honors American Express Surpass® Card Hilton Honors American Express Aspire Card The Hilton Honors American Express Business Card Marriott Cards Marriott Bonvoy Bevy® American Express® Card Marriott Bonvoy Brilliant® American Express® Card Marriott Bonvoy Boundless® Credit Card Marriott Bonvoy Business® American Express® Card CardPointers Pro: 30% off here or 50% off for ATH Members Free point.me for American Express Membership Rewards® points Co-Branded Marriott Card Eligibility Rules Tim Ferriss Ep #815: Helping Tim Burn 15M+ Miles and Points, Flipping Costco Gold Into Five-Star Trips & More ATH Podcast Membership: Join here Luxury Hotel Upgrade Program Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (01:52) Quick Episode Overview (04:29) The American Express® Green Card (07:30) Chris' Primary Amex Card for Dining & Groceries (11:32) The American Express® Business Gold Card (15:01) The Amex Platinum Cards (19:24) The Perks & Benefits on the Platinum Cards (25:19) The Platinum Card Variations (29:38) The Business Platinum Card® from American Express (38:05) The Exclusive Centurion Cards (42:05) The Blue Business® Plus Credit Card from American Express (43:45) Amex’s Cash Back Cards (49:19) Co-Branded Delta Cards (1:03:10) The Four Co-Branded Hilton Cards (1:11:37) Co-Branded Marriott Cards (1:22:17) Amazon Cards (1:23:39) Leveraging Card-Linked Offers (1:25:47) Notable Benefits of Amex Cards (1:29:48) General Business Card Perks & Benefits (1:30:30) Rental Car Coverage (1:31:46) Credit Limits on Amex Cards (1:32:19) Membership Rewards as Transferable Points (1:35:00) Amex Airline & Hotel Transfer Partners (1:37:32) How to Move Membership Rewards Points (1:38:21) Rules for Opening Amex Cards (1:41:34) Quick Summary: Reasons to Love or Dislike Amex (1:45:26) The Best Amex Two-Card Combo Learn more about your ad choices. Visit megaphone.fm/adchoices

#235: Chris shares his personal 10-step money allocation framework to help prioritize savings, investments, and financial flexibility. He also dives into advanced strategies for tax optimization, liquidity, and real-world application through listener questions. Link to Full Show Notes: https://chrishutchins.com/10-step-money-allocation-framework Partner Deals Vuori: 20% off the most comfortable performance apparel I've ever worn Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth Copilot Money: Free 2 months access to my favorite personal finance app with code HACKS2 LMNT: Free 8-count sample pack of my favorite electrolyte drink mix MasterClass: Learn from the world's best with 15% off For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Brian Feroldi’s Emergency Fund Size Formula Wealthfront: Get $5k managed free here and get a 0.5% APY boost here Daffy: Get free $25 for charity here Direct Indexing: Frec ATH Podcast Ep #144: Leveraging Tax-Advantaged Accounts to Maximize Your Wealth with Katie Gatti Tassin Ep #168: Building an Investment Portfolio to Grow and Protect Your Wealth with Chris Doyle Ep #177: Best Bank Account Setup to Earn Interest on All Your Cash Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:03) Quick Episode Overview (03:37) Step 1: Operating Cash (05:14) Step 2: Employer Match (06:21) Step 3: Urgent Debt Payoff (07:56) Step 4: Safety Net (11:49) Step 5: Short-Term Goals Fund (13:30) Step 6: Debt Review (15:44) Step 7: Tax-Advantaged Investing (21:38) Step 8: Brokerage Investing (30:16) Step 9: Education Investing (31:23) Step 10: Optional Debt (32:48) Why You Should Prioritize Liquidity (37:51) Types of Alternative Cash Savings (40:48) The Margin Call (43:28) Listener Q1: Strategy for Using Money from House Sale (47:07) Listener Q2: How to Leverage Tax-Loss Harvesting (50:35) Listener Q3: Effective Ways to Manage Your Investment Portfolio (55:00) Listener Q4: Thoughts on Financial Advisors Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

#234: In this bonus episode, Chris discusses the new Mesa Homeowners Card, some new big welcome bonuses, card and hotel program devaluations, two new points promotions, free summer activities and more. Link to Full Show Notes: ⁠⁠https://chrishutchins.com/card-news-promos-and-more-june-2025⁠ Resources Mentioned Mesa Homeowners Card 5,000 Point Offer (or code FCRGNB) Amex Platinum: Up to 175k Bonus Amex Gold: Up to 100k Bonus ⁠Major Card Refresh (100k/200k Bonus)⁠ Coinbase One 4% Card Venture X Lounge Changes Hilton Devaluation Free Uber One for Delta Cards Hyatt Peloton Promo Plastiq Personal Payment Options Kids Bowl Free Free National Park Days Bank of America Free Museum Days Full Show Notes (00:00) Introduction (00:56) Mesa Homeowners Card (06:49) New Amex Personal Card Bonuses (09:19) Card Refresh + New Bonuses (15:37) New Coinbase Card (16:13) Venture X Lounge Access Changes (19:31) Hilton Devaluation (20:30) Delta Card + Uber One Benefit (21:27) Hyatt + Peloton Promotion (22:28) Using Plastiq for Personal Payments (23:11) Free Summer Activities (23:47) Saving on Apple Subscriptions Connect with Chris ⁠⁠Newsletter⁠⁠ | ⁠⁠Membership⁠⁠ | ⁠⁠X⁠⁠ | ⁠⁠Instagram⁠⁠ | ⁠⁠LinkedIn⁠⁠ Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

#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 Green Chef: 50% off your first meal kit with code 50ALLTHEHACKS Notion: Try Notion AI free to automate tedious tasks and streamline your work Bilt Rewards: Earn the most valuable points when you pay rent DeleteMe: 20% off removing your personal info from the web For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Ben Carlson: Website | Animal Spirits Podcast | X Ben's Post: Financial Advice That Doesn’t Work Anymore Morningstar Column by John Rekenthaler Tim Ferriss Ep #815: Helping Tim Burn 15M+ Miles and Points, Flipping Costco Gold Into Five-Star Trips & More Award Travel Search Tools AwardTool: $20 off annual plans with code ALLTHEHACKS PointsYeah Points Path Chrome Extension Coinbase One: Join the waitlist here ATH Podcast Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (01:22) The Great Wealth Transfer From Boomers to Millennials (04:47) Financial Mindsets Across Different Generations (08:05) Current Status of the Housing Market (10:32) Spending Habits in the Travel Industry (13:23) Financial Lessons From Every Generation (18:04) Stock Market vs. Housing Market (24:36) Financial Advice That Doesn't Work Anymore (26:28) How to Learn to Spend Money and Enjoy It Now (30:34) The Spectrum of Coast FIRE (37:43) Ben's Take on Social Security: Is It Worth It? (40:20) How to Navigate the Current Market Volatility (46:03) How Demographic Changes Impact the Investment Landscape (49:22) Active vs. Passive Investing (51:40) Different Ways to Automate Your Finances (53:21) Credit Card Points Inflation and Its Impact (57:04) Credit Card Returns: Cash Back vs. Welcome Offers Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

#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 Cards Mentioned: 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 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 Mentioned Frequent Miler Premium Card Worksheet Copilot: Free 2 months with code HACKS2 Chris’ Card Optimizer Tool Southwest Companion Pass Complete Guide 2025 Kick Bookkeeping: 50% off your first year here Credit Card Trackers CardPointers Pro: 30% off here and 50% off here CardRight Travel Freely AwardWallet The Points Guy App ATH Podcast Membership 2025 Iceland Trip Ep #152: Credit Cards: What's in My Wallet for 2024 Ep #170: Cash Back vs. Points: Are We Doing It All Wrong? Ep #228: Deep Dive on Citi Credit Cards and ThankYou Points (Best 2-Card Combo) Full Show Notes (00:00) Introduction (02:17) Quick Episode Overview (03:28) The 3 Main Reasons to Own Credit Cards (08:08) Things to Keep in Mind About Welcome Bonuses (10:26) Chris' Credit Card Goals for 2025 (13:24) Points vs. Cash Back (17:09) Why You Should Identify Your High Spend Categories (21:53) How to Calculate the Value of a Card (23:00) Review of Current Cards in Chris' Wallet (30:44) Bank of America Cards (33:00) U.S. Bank Cards (33:49) Citi Cards (38:27) The Bilt Mastercard® (40:10) Understanding the Major Spending Categories (42:35) Maximizing the Travel Category (44:53) Earnings via Travel Portals (47:57) Other Categories: Wholesale Clubs, Phone Service, Gas (50:11) Managing Business Expenses (+ Kick Bookkeeping) (52:10) New Cards for 2025 (55:47) How Chris Keeps Track of All His Cards (1:01:06) Big Changes to Popular Travel Card & New Travel Biz Card Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

#231: Chris shares his top 50 hacks, learnings and lessons from the past 230 episodes. Learn actionable strategies to level up your travel, wealth, points & miles, productivity, relationships, and so much more! Link to Full Show Notes: https://chrishutchins.com/50-impactful-lessons-travel-money-life Partner Deals Copilot: Free 2 months access to my favorite personal finance app with code HACKS2 NetSuite: Free KPI checklist to upgrade your business performance Facet: Personalized Financial Planning + $250 enrollment fee waived DeleteMe: 20% off removing your personal info from the web Vuori: 20% off the most comfortable performance apparel I've ever worn For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Price Monitoring Services Vacation Rentals: HiChee Car Rentals: AutoSlash Hotel Rentals: HotelSlash Flights: Autopilot | Tripit | Going™ eSIMs: Airalo Books Never Pay the First Bill: And Other Ways to Fight the Health Care System and Win Die With Zero: Getting All You Can from Your Money and Your Life Make Time: How to Focus on What Matters Every Day The 80/80 Marriage Burn the Boats: Toss Plan B Overboard and Unleash Your Full Potential 10 Easy Money Rules by Ramit Sethi Keepa Savendeals Savewise (20% off with ALLTHEHACKS20) Rakuten ($30 bonus here) CardPointers Pro (30% off here) Cashback Monitor Library Extension | Libby Gelt (skip the waitlist here) Free Unclaimed Money Site Bilt Rewards Payment Platforms Plastiq Melio Zil Money Trust & Will (20% off custom estate plans here) The Work Number Report DeleteMe (20% off here) ATH Podcast Full List of Episodes Newsletter Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (04:07) Ways to Boost Your Points and Miles (06:10) The Truth About Credit Scores (07:57) Leveraging Award Search Tools and Points (11:15) Hidden Credit Card Benefits (13:21) Travel Planning Tips and Tricks (15:11) Monitoring Price Drops: Flights, Hotels, Car Rentals (17:02) Emailing the Hotel Before Your Stay (20:44) Hacks for International Travel (22:13) The Peak-End Rule (23:08) Why You Should Audit Your Bills (25:16) Saving Money on Housing (27:04) A Die with Zero Mindset (28:46) Establishing Money Rules (30:29) The Power of Negotiation (32:54) Stacking Deals to Increase Savings (37:46) Browser Extensions to Secure the Best Deals (39:40) Leveraging Gift Cards (41:28) How to Access Library Books Online (42:00) Freebies at Hotels (42:31) Saving Money on Taxes (43:38) Automating Investments (45:31) Tax-Advantaged Accounts, Donor-Advised Funds, and HSAs (48:18) The Best U.S. Bank Accounts (50:28) Turning Deals into Side Hustles (51:58) Free Unclaimed Money (53:21) Paying Bills with Credit Cards (55:13) Setting Up a Will and Trust (56:31) Leveraging AI to Save Time (58:06) Ways to Optimize Your Time (59:19) The Hell Yes or No Filter (1:01:32) How to Buy Back Time (1:03:44) Levels of Listening and 80/80 Marriage (1:05:21) Two-Hour Cocktail Party (1:06:45) Making Healthier Decisions (1:08:25) Protecting Your Identity (1:10:38) Decision-Making Tactics Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

#230: The Wealth Ladder is a new philosophy for thinking about money and in this episode you'll learn exactly how to handle your spending, income, investments, and more, with tailored advice for every stage. We cover strategies to boost income, spend smarter with the 0.01% rule, avoid costly financial traps, evaluate new business opportunities, and achieve financial freedom. Nick Maggiulli is a financial writer, data expert, and the COO of Ritholtz Wealth Management. He’s the creator of the popular financial blog Of Dollars and Data and the author of Just Keep Buying and The Wealth Ladder. Link to Full Show Notes: https://chrishutchins.com/the-wealth-ladder-nick-maggiulli Partner Deals LMNT: Free sample pack of my favorite electrolyte drink mix Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth MasterClass: Learn from the world's best with 15% off Notion: Try Notion AI free to automate tedious tasks and streamline your work Trust & Will: Get 20% off personalized, legally binding estate plans For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Nick: X | Instagram | LinkedIn | Blog Pre Order: The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life Research Data Sources Survey of Consumer Finances (SCF) Panel Study of Income Dynamics (PSID) ATH Podcast Ep #59: Save Money, Build Wealth and Just Keep Buying with Nick Maggiulli Ep #206: The Gold Market: Strategies for Investing and Reselling with Trey Benedict Ep #213: The 5 Types of Wealth with Sahil Bloom Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:15) Big Misconception: Wealth vs. Income (04:43) Why You Should Think About Wealth as a Ladder (08:54) Level 1: Living Paycheck to Paycheck (11:18) How to Grow Your Income in Level 2 (14:04) What Is the 0.01% Rule? (18:43) Leveling Up from Level 3: Investing & Side Hustles (21:21) The Risk of Overspending (22:41) Nick's Research Data Sources (24:15) The Difference Between Level 3 and Level 4 (29:44) Risks People Face at Level 3 and 4 (33:40) Transitioning from Level 4 to 5 (35:56) How to Manage Lifestyle Creep (38:49) Level 5 and 6 of the Wealth Ladder (40:24) The 5 Different Types of Wealth (41:47) How Does Happiness Correlate with the Wealth Ladder? (43:47) The Average Timeline to Climb Up the Wealth Ladder (47:30) Using the 1% Rule to Evaluate Business Opportunities (50:20) Accessing Travel Freedom Through Points & Miles (52:36) Biggest Lessons Nick Learned on His Wealth Journey (53:54) The Impact of Understanding the Wealth Ladder (55:02) Where to Find Nick's Book and Other Work Connect with Chris 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

#229: Your gut is the engine of your entire body, so today we break down how to keep it running smoothly with practical, evidence-backed tips. We cover the gut’s powerful role in digestion, immunity, and brain health while challenging common misconceptions about reflux, probiotics, and more. Dr. Robynne Chutkan is a board-certified integrative gastroenterologist, bestselling author, and founder of the Digestive Center for Wellness. She’s the founder of Gutbliss and host of the Gutbliss Podcast, where she shares expert insights on digestive health and the microbiome. Link to Full Show Notes: https://chrishutchins.com/improve-gut-health-dr-robynne-chutkan Partner Deals Quince: Affordable luxury essentials with free shipping + 365 day returns DeleteMe: 20% off removing your personal info from the web Superhuman: Free month of the fastest and best email with code ALLTHEHACKS Vuori: 20% off the most comfortable performance apparel I've ever worn Bilt Rewards: Earn the most valuable points when you pay rent For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Robynne: Gutbliss | Podcast | Gut Club Books: The Microbiome Solution | Gutbliss | The Anti-Viral Gut | The Bloat Cure Episode #13: Mama Jama Poos: Why you Need Them & How To Get Them Books Last Child in the Woods by Richard Louv The Essential Book of Fermentation by Jeff Cox Research The Human Genome Project American Gut Project Testing Jona Gut Microbiome Test Tiny Health Adult Gut Test Full Show Notes (00:00) Introduction (01:49) Why Gut Health Is a Critical Part of Our Health (04:26) The Role of the Gut (07:11) The Gut–Immune Connection (10:15) Balancing Sanitation With Kids (14:20) Ways to Assess Your Gut Health (22:23) What the Research Worldwide Says About the Gut (28:15) Gut Health Testing (30:49) Foods That Are Good for Your Gut (35:42) Prebiotics and Probiotics (42:32) How Important Is Your Water Intake? (43:32) The Impact of Animal Protein (44:58) The Negative Effects of Artificial Sweeteners and "Zero" Calorie Drinks (47:30) Is Dairy Good for Your Gut? (49:12) What Healthy Poop Should Look Like (53:24) The Ideal Pooping Position (54:16) Tips to Achieve “Stool Nirvana” (57:06) Good Gas vs. Bad Gas (1:00:05) Aerophagia (Air Swallowing) (1:02:34) Does the Smell of Gas Mean Anything? (1:03:19) Why We Should Care About Gut Health (1:05:17) The Key Takeaway (1:07:24) Where to Find Dr. Chutkan and Her Work Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

228: A deep dive into Citi’s credit card lineup. I've recently opened up a few Citi cards and am very excited about sharing the best Citi cards, how to maximize ThankYou Points, the best airline and hotel transfer partners, and how Citi’s best two-card combo stacks up against other major issuers. Link to Full Show Notes: https://chrishutchins.com/citi-credit-cards-thank-you-points Partner Deals Thrive Market: 30% off your first order of organic groceries + a free $60 gift Facet: Personalized Financial Planning + $250 enrollment fee waived Storyworth: Share your family stories in a custom book (+ $10 off) LMNT: Free sample pack of my favorite electrolyte drink mix Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Chris' Best Cards Page Citi Cards Tier List ThankYou® Points Cards Citi Strata Premier℠ Card AT&T Points Plus Card Citi ThankYou® Mastercard® Citi® Double Cash Card Citi Custom Cash Credit Card AAdvantage Cards American Airlines AAdvantage® MileUp℠ Card AAdvantage® Platinum Select® Airline Mastercard AAdvantage® Executive World Elite Mastercard AAdvantage Business™ World Elite Mastercard® Costco Cards Costco Anywhere Visa® Credit Card Costco Anywhere Visa® Business Card Other Citi Cards Shop Your Way Mastercard EVA Air How to book Vacasa Vacation Rentals with Wyndham points ATH Podcast Luxury Hotel Upgrade Program Airline/Hotel Transfer Partner Spreadsheet Credit Card Optimizer Tool Membership: Join here Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:10) Quick Intro of the Credit Card Tier List (03:48) Review of Citi Strata Premier℠ Card (06:49) AT&T Points Plus Card and Citi ThankYou® Mastercard® (08:29) 2% Unlimited Cash Back: Citi® Double Cash Card (10:23) Earn 5% Cash Back Using the Citi Custom Cash Credit Card (12:35) The Citi–American Airlines Ecosystem (16:08) American Airlines AAdvantage® MileUp℠ Card (17:34) AAdvantage® Platinum Select® Airline Mastercard® Perks (18:51) Lounge Access and Benefits: AAdvantage® Executive World Elite Mastercard® (23:02) Why AAdvantage® Business World Elite Mastercard® Is Chris’ Favorite (29:24) Are the Citi Costco Cards Worth It? (33:12) Shop Your Way Mastercard (38:13) Other Citi Cards Without Any Benefits (39:18) ATH Member Deep Dive Discussions (39:47) Citi Rules (43:36) Citi ThankYou® Points Program (44:31) Citi's Airline Partners (46:31) Hotel Transfer Partners Unique for Citi (49:20) Transfer Bonuses and Limitations (52:17) High-Level Summary of Citi Cards (53:09) Best Two-Card Combos for Each Issuer (57:43) Factors That Make Citi Cards Less Exciting (58:39) Citi Merchant Offers Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

#227: An actionable 4-step framework to master points and miles while maximizing personal value. We cover high-yield earning strategies like paying processing fees, bulk ordering, and leveraging business expenses, plus tactics for scaling award travel for multiple people. We also explore alternate pathways to earn and redeem points without chasing “perfection.” Devon Gimbel is the founder of Point Me to First Class, an educational platform and podcast that teaches people to maximize their spending for extraordinary travel rewards. She is also a double-board certified physician. Link to Full Show Notes: https://chrishutchins.com/rethinking-points-and-miles-devon-gimbel Partner Deals DeleteMe: 20% off removing your personal info from the web Upwork: Free job posting to find, hire, and pay top freelance talent NetSuite: Free KPI checklist to upgrade your business performance Bilt Rewards: Earn the most valuable points when you pay rent Green Chef: 50% off your first meal kit with code 50ALLTHEHACKS For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/ Resources Mentioned Devon: Point Me To First Class | Podcast | Instagram Free Starter Guide to Points Dunning Kruger Curve Payment Platforms Plastiq Melio Zil Money (Coupon Code: ATH300) Venmo Business Airlines with Great Award Availability Emirates Condor Singapore Airlines Rakuten: $40 bonus here Savewise: 20% off with ALLTHEHACKS20 ATH Podcast Ep #166: Best Award Search Tools for Booking Flights with Points & Miles with Greg the Frequent Miler Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:31) Devon's Non-Traditional Approach to the Points & Miles Game (05:38) Stage 1: Peak of Mount Ignorance (08:18) Stage 2: Valley of Despair (09:41) Stage 3: Slope of Enlightenment (13:06) One of the Biggest Mistakes People Make in the Points & Miles World (14:47) Lessons from Chris' Skiing Experience (21:03) Stage 4: Unconscious Competence (23:48) Why the Learning Curve Never Stops (27:08) Identifying High Yield Opportunities for Yourself (29:54) How to Evaluate If Credit Card Fees Are Worth It (38:43) The Importance of Understanding Earning Rates (40:26) Ways to Leverage Business Expenses (43:43) Maximizing Award Travel When Booking for Multiple People (48:16) Airlines That Have Good Award Availability (Fifth Freedom Flights) (55:00) Why You Should Practice Looking for Award Deals (58:11) Rakuten Bulk Ordering to Earn Flexible Points (1:01:37) Setting Alerts for Deals (1:03:49) Alternate Pathways to Earn and Redeem Points (1:09:12) Using a Venmo Business Profile to Make Payments (1:10:13) Where to Find Devon Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

#226: From optimizing travel and rewards to new ways to earn points, Chris shares some recent tactics he's picked up on upgrades and award travel. He also covers some flight deals, airline changes, Mother's Day gift ideas, and reflects on recent podcast episodes. Link to Full Show Notes: https://chrishutchins.com/optimizing-vacations-and-new-ways-to-earn-points⁠ Partner Deals Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth Trust & Will: Get 20% off personalized, legally binding estate plans MasterClass: Learn from the world's best with 15% off Vuori: 20% off the most comfortable performance apparel I've ever worn LMNT: Free sample pack of my favorite electrolyte drink mix Bilt Rewards: Earn the most valuable points when you pay rent For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Vacation Homes Pacaso: Free early access and $2,500+ in closing credits here THIRDHOME Exclusive Resorts ATH Hotel Upgrade Program (Password: Perks | Tutorial) Lanai Four Seasons Resort Sensei Maui Montage Kapalua Bay Maui Nui: 20% off with code ALLTHEHACKS Merriman's: Point Menu | Monkeypod Kitchen NordVPN: 4 months free here United’s MileagePlus Program Showing More Awards if You Change This 1 Setting Flight Award Search Tools point.me: 20% off annual plans with code ALLTHEHACKS20 AwardTool: $20 off annual plans with code ALLTHEHACKS Seats.Aero Southwest Assigned Seating Business Payment Platforms Plastiq ← my referral Melio ← my referral Zil Money Last Call: 100k Welcome Bonus Offer Mother’s Day Gift Ideas Ratio Coffee Machines Storyworth: $10 off here Aura Frames: $35 off + free shipping with code ATH Zeel: $25 off here Initial Necklaces: Gorjana Wilder Necklace | Maya Brenner Real ID: Acceptable Identification at the TSA Checkpoint ATH Podcast Ep #224: Airport Lounges: Getting In, Hidden Perks and Expert Tips with Kevin Song Ep #225: Optimize Your Oral Health for a Longer Life with Dr. Mark Burhenne Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Submit a question for the next AMA here Full Show Notes (00:00) Introduction (02:00) Finding Accommodation in Hawaii (05:37) Overlooked Hotel Upgrade Options (13:05) Strategy to Book Flights to Hawaii: Cash vs. Points (20:44) Chris' Experience Flying Hawaiian Business Class (22:48) The Impact of Having Starlink on Your Flight (25:04) Review of Four Seasons Lanai (29:29) The Experience at Montage Kapalua Bay (34:28) Underrated Hotel Perks (39:58) Why Chris Is a Big Fan of Hawaiian Airlines (42:13) Follow-Up to Lounge Access Episode #224 (43:07) Why You Should Use a VPN to Book Flights (44:29) Flight Award Inventory Trick (45:21) Upgrading Credit Cards for Bonuses and Free Nights (46:51) Weird Emirates Updates (48:10) Big Southwest Changes (52:18) Updates from Bilt (55:03) Leveraging Business Expenses (57:05) Exciting Credit Card Welcome Offers (58:44) Mother's Day Gift Ideas (1:01:27) Reminder: Real ID Deadline (1:02:20) Feedback on Oral Health Episode #225 Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

#225: Learn how to optimize your oral health to prevent disease and improve your overall health. We cover the ideal oral care routine, negative impacts of mouth breathing, the truth about fluoride, the role of nutrition and diet, how to choose the right dentist, dental coverage options, and so much more. Dr. Mark Burhenne is a functional dentist, author, and the founder of Ask the Dentist, a go-to resource for evidence-based oral health education. He is also the co-founder of Fygg, a toothpaste that protects the oral microbiome while remineralizing and whitening teeth. Link to Full Show Notes: https://chrishutchins.com/oral-health-dr-mark-burhenne Partner Deals Aura Frames: $35 off + free shipping on the Carver Mat digital picture frame with code ATH Daffy: ⁠Free $25 to give to the charity of your choice Stable: 50% off your first year of my favorite digital mailbox Copilot: Free 2 months access to my favorite personal finance app with code HACKS2 DeleteMe: 20% off removing your personal info from the web For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Dr. Mark: Instagram | Newsletter Fygg Toothpaste: Get 15% off with code ALLTHEHACKS Book: The 8-Hour Sleep Paradox Ask the Dentist: Podcast | Dentist Directory How To Floss The Right Way How to Find a Good Dentist: 7 Tips + 10 FAQs No dental insurance? Here’s what to do. (Margarita Plan) Is it safe to get dental work done outside the U.S.? Podcast Episode #78: What Are the Safest Ways to Whiten My Teeth? Bristle Oral Health Test: Get 10% off here Sonicare Electric Toothbrushes RADIUS Natural Silk Floss Slate Rechargeable Electric Flosser: Get 10% off here Fluoride Action Network ATH Podcast Ep # 178: How a Simple Change Can Improve Your Health, Sleep and More with James Nestor Ep #215: Medical Travel: Better Care and Lower Costs for Surgery, IVF, Dental, Advanced Screenings and More with Josef Woodman Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:20) Is Good Oral Health a Sign of Longevity? (04:30) How Inflammation in the Mouth Affects the Entire Body (08:16) Factors That Influence the Oral Microbiome (10:47) The Connection Between Cavities and Mouth Breathing (15:07) Thoughts on Mouth Taping (16:00) Foods That Are Bad for Your Oral Health (20:13) Ways to Test Your Oral Health (22:25) Things to Avoid if You Want Good Oral Health (25:14) The Ideal Daily Oral Care Routine (28:47) Regular vs. Electric Toothbrushes (32:03) How to Floss Right (36:10) A Quick Overview of Toothpaste (40:53) Ingredients to Look for in Your Toothpaste (43:12) Is Fluoride Actually Bad for Your Teeth? (46:08) How to Find a Good Dentist (48:43) How Often Should You Get Your Teeth Cleaned? (50:54) Dental Insurance vs. Dental Plans (56:31) Why Your Dentist Might Be Influenced by Your Dental Insurance (1:03:19) Dental Tourism (1:04:29) Rapid Fire Questions (1:10:40) Where to Find Dr. Mark Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

#224: This is the ultimate guide to airport lounges. You'll learn how to access the best lounges without needing to fly first class by using credit cards, memberships, elite status, and more. We’ll also discuss the best lounges, underrated perks, tools to manage access, avoiding crowded lounges and more. Kevin Song is the co-founder of This Lounge, one of the most comprehensive databases of airport lounges around the world. He is a former cybersecurity professional at WeWork, Hyatt, Deloitte, The Points Guy and Notre Dame. Link to Full Show Notes: https://chrishutchins.com/airport-lounge-access-guide Partner Deals LMNT: Free sample pack of my favorite electrolyte drink mix Vuori: 20% off the most comfortable performance apparel I've ever worn Upwork: Free job posting to find, hire, and pay top freelance talent Green Chef: 50% off your first meal kit + 20% off the next 2 months with free shipping 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 Song: X | This Lounge Lounges The Pier, First (Hong Kong) Al Safwa First Class Lounge (Qatar) What You Need to Know About USO Airport Lounges Airport Lounge Memberships Priority Pass Dragon Pass Lounge Key How To Tell Your Priority Pass Cards Apart Lounge Reviews This Lounge Lounge Review ATH Podcast Ep #219: 20+ Airport Hacks for Faster Security, Immigration, and Boarding with Leigh Rowan Ep #220: Rethinking Elite Status and Smarter Ways to Earn and Use Points Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:16) Factors That Make an Airport Lounge a Favorite (04:12) The Worst Type of Airport Lounges (07:07) The Number and Types of Airport Lounges Around the World (09:05) Quick Overview of Airport Lounges in America (11:28) Companies That Operate Lounges on Behalf of Airlines (13:13) Credit Card Affiliated Airport Lounges (14:25) Airline Alliance Lounges and USO Lounges (15:32) Ranking Lounge Categories from Worst to Best (18:28) Ways to Leverage Airline Membership Club Lounge Agents (23:22) A Potential Hack to Skip an Airport Lounge Waitlist (26:50) Lufthansa's Famous First Class Rubber Ducks (28:16) Using a Priority Pass to Access Airport Lounges (33:38) Can Business or First Class Tickets Give You Access to a Lounge? (39:21) Leveraging Elite Status for Lounge Access (45:01) Creating Multiple Profiles to Earn More Miles (47:14) Why You Should Consider Status Matches (53:04) Trick to Qualify for Status Matches (54:49) Is It Worth Getting a Day Pass to Access a Lounge? (58:22) The Main Premium Credit Cards with Lounge Access (1:04:22) Other Credit Cards That Include a Priority Pass Membership (1:07:09) The Number of Priority Passes Chris and Kevin Have (1:09:43) Adding Authorized Users on the Three Major Airline Credit Cards (1:10:57) Ways to Manage Lounge Access Memberships (1:15:51) Overlooked Perks of Airport Lounges 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

#223: Actionable tips to become a better writer—whether it’s for work, business, or everyday life. We cover the biggest copywriting mistakes, essential skills for effective writing, the only copywriting formula you need to know, plus the tools and exercises (including AI) to sharpen your writing. Neville Medhora is the founder of Copywriting Course and SwipeFile.com. He’s worked with top companies to help them craft high-converting copy to grow their sales exponentially. Link to Full Show Notes: https://chrishutchins.com/become-a-better-writer-neville-medhora Partner Deals NetSuite: Free KPI checklist to upgrade your business performance Notion: Try Notion AI free to automate tedious tasks and streamline your work 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 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 Neville: X | Instagram Copywriting Course Swipe File ATH Newsletter Nick Gray’s Friends Newsletter Calendly Writing Tools: Grok | Gemini Full Show Notes (00:00) Introduction (01:54) Why Effective Writing Is an Important Skill to Learn (03:23) Biggest Copywriting Mistakes People Make (06:50) Skills Needed to Be a Good Writer (10:15) Why Neville Recommends Reading Your Copy Out Loud (10:57) Tactics to Be Brief and Clear (14:13) The Importance of Revisions (19:42) The AIDA Formula: The Only Formula Needed in Copywriting (24:09) Ways to Get People to Respond to Cold Emails (26:17) Calendly Hack for Scheduling Meetings (27:33) Why Email Subjects Are Not as Effective as You Think (30:55) When to Use Direct Mail vs. Cold Emails (34:17) Tactics to Make Your Resume Stand Out (39:51) Why You Should Use Templates More Often (38:28) Tools That Will Help You Write Better (42:10) SEO 1.0 vs. SEO 2.0 (50:09) Exercises to Improve Your Writing (51:46) The Impact of Mastering Copywriting (52:49) Hacks to Expand Your Social Network (56:54) Where to Find Neville and His Work Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

#222: Discover how paying taxes with a credit card can unlock huge rewards—or even turn a profit. Chris also shares how he's handing the current market decline and shares practical tips for teaching kids about money, stacking card-linked offers, and using VPNs for big savings. Link to Full Show Notes: https://chrishutchins.com/pay-taxes-with-credit-card-2025-musings Partner Deals Facet: Personalized Financial Planning + $250 enrollment fee waived Storyworth: Share your mother's stories in a custom book (+ $10 off) Vuori: 20% off the most comfortable performance apparel I've ever worn 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 Credit Cards Best Cards Page 100k Welcome Bonus Offer U.S. Bank Smartly Visa Signature Credit Card IRS Authorized Payment Providers: Pay1040 | ACI Payments Business Payment Platforms: Plastiq | Melio Flight Tracker: Flighty CardPointers Pro: 30% off here Rakuten: $30 bonus here Savewise: 20% off with ALLTHEHACKS20 Kudos: $20 bonus here Hyatt Offer: $100 Off Peloton NordVPN Ben Carlon’s Chart: 31 Years of Stock Market Returns Wealthfront: Get $5k managed free and get a 0.5% APY boost ATH Podcast Ep #59: Save Money, Build Wealth and Just Keep Buying with Nick Maggiulli Ep #194: The Simple Path to Wealth and FU Money with JL Collins Newsletter Deals Page Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:20) Quick Reminder About Upcoming Tax Payments (03:39) Why and When You Should Pay Taxes on Your Credit Card (08:08) Paying Taxes on a Credit Card to Leverage Welcome Offers (09:22) How to Maximize a Credit Card Welcome Bonus of 100K (13:26) Three Tips from a Recent Trip to Colorado (18:39) A Great Way to Teach Kids About Money and Make a Profit (22:13) Stacking Offers to Get 30% Off Peloton Bikes (28:07) How to Use a VPN to Find Better Deals (29:55) Why It Might Be Cheaper to Pay with Different Currencies (31:52) The Recent U.S. Stock Market Decline (38:53) Chris' Personal Strategy for the 10% Market Drop (40:50) The Importance of Diversifying Your Portfolio (42:12) Tax Loss Harvesting and Why It's a Good Time to Consider It 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

#221: The ultimate guide to credit reports and scores—how they’re calculated, what affects them, and proven ways to improve them. Specially, I'll cover how opening lots of credit cards impacts your credit. You'll also learn how to check your credit reports and scores for free, dispute errors, understand lender scoring models, protect your financial health, and more. Link to Full Show Notes: https://chrishutchins.com/credit-reports-credit-scores Partner Deals Superhuman: Free month of the fastest and best email with code ALLTHEHACKS Upwork: Free job posting to find, hire, and pay top freelance talent Fabric: Affordable term life insurance for you and your family MasterClass: Learn from the world's best with 15% off Copilot: Free 2 months access to my favorite personal finance app with code HACKS2 DeleteMe: 20% off removing your personal info from the web For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Credit Bureaus Equifax Experian TransUnion Free Credit Report: AnnualCreditReport.com Credit Monitoring: Credit Karma | Experian Credit Reporting Agencies Innovis Chex Clarity Services National Consumer Telecom & Utilities Exchange Early Warning Consumer Report LexisNexis Free FICO Scores: myFICO | Experian X Post on Couple’s Credit Card Journey International Credit Data: Nova Credit Business Credit Scores Equifax Business Experian Dun & Bradstreet LexisNexis Business Credit Data: Small Business Financial Exchange Article: Understanding Business Credit Scores ATH Podcast Ep #78: Action List: Everything You Can Do To Protect Your Identity, Accounts, Credit and Family Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:03) Quick Background of the Credit Report Industry (04:54) What’s on Your Credit Report (06:45) Soft vs. Hard Inquiries (10:04) How to Request Your Credit Report for Free (10:59) Filing for Disputes (12:37) Freezing Your Credit, Fraud Alerts, and Credit Monitoring (18:46) Credit Reporting Agencies (24:06) How to Remove Your Personal Information Online (26:24) Quick Overview of Credit Scores (29:36) How Credit Scores Are Calculated (35:33) FICO Score vs. Vantage Score (38:12) Upcoming (Big) Changes to Credit Scores (40:27) Where to Find Your Credit Scores (42:00) Analyzing Chris' Credit Scores (46:59) Two Main Factors That Impacted Chris’ Credit Score (48:58) How the Points & Miles Game Impacts Credit Scores (53:12) The Impact of Closing a Credit Card (56:36) Ways to Improve Your Credit Score (59:21) Adding an Authorized User to Your Credit Card (1:01:59) How to Leverage Your International Credit Score (1:02:53) Quick Overview of Business Credit Scores 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

#220: Is chasing elite status worth it? Chris shares his journey of earning elite status with 8 hotel and airline loyalty programs for 2025, weighing the pros and cons amid recent devaluations. He also highlights listener stories showcasing over $100,000 in combined savings through smart points and miles strategies. Link to Full Show Notes: https://chrishutchins.com/rethinking-elite-status-listener-wins Partner Deals Thrive Market: 30% off your first order of organic groceries + a free $60 gift Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth LMNT: Free sample pack of my favorite electrolyte drink mix Bilt Rewards: Earn the most valuable points when you pay rent 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 Bilt Air France-KLM Flying Blue Status Match Marriott Free Breakfast Article Marriott Secret Award Chart Loyalty Point Hunters Credit Cards Alaska Airlines® Business Card AAdvantage Business™ World Elite Mastercard Citi Strata Premier℠ Card Automate Card-Linked Offers CardPointers Pro: 30% off here or 50% off for ATH members SaveWise Prenuvo: Get $300 off a whole body scan TV Show Recommendations: Paradise Landman Silo The Day of the Jackal Free Unclaimed Money Site Pic of Brandon at Lowe’s ATH Podcast Ep #101: Planning the Best Japan Trip Ever with Brandon Pressor Ep #102: Traveling to Japan with Points & Miles Ep #166: Best Award Search Tools for Booking Flights with Points & Miles with Greg the Frequent Miler Ep #182: Shortcuts to Elite Travel Status with Greg the Frequent Miler Ep #216: Purpose, Friendship, and Human Skills with Simon Sinek Ep #215: Medical Travel: Better Care and Lower Costs for Surgery, IVF, Dental, Advanced Screenings and More with Josef Woodman Iceland 2025 Trip Membership Newsletter Leave a review: Apple Podcasts | Spotify Email for questions, hacks, wins, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:06) Quick Overview (03:13) Southwest Airlines: A-List Status (07:43) United and Delta Status (11:16) Earning American Airlines Status (13:58) The Perks of Marriott Elite Status (19:55) Achieving Top-Tier Hyatt Status (23:56) Hilton Honors Elite Status (25:01) Is Chasing Status Actually Worth It? (32:26) Leveraging Card-Linked Offers and Tools to Automate (40:52) TV Show Recommendations (41:53) How to Avoid Uber Fees Abroad (42:16) Get Free Unclaimed Money From Your State (44:26) Amazing Listener Wins 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

#219: Learn every way to skip security lines, breeze through immigration, and save time at the airport. We cover the programs like TSA PreCheck, Global Entry, and CLEAR, as well as smart check-in tactics, must-have apps, and insider tricks to save time when you travel. 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/fast-track-airport-security-and-immigration-leigh-rowan Partner Deals Trust & Will: Get 15% off personalized, legally binding estate plans Green Chef: 50% off your first meal kit + 2 months of free salad with code ALLTHEHACKSFREE Stable: 50% off your first year of my favorite digital mailbox 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 Luggage Shipping Luggage Forward Luggage Free Ship Sticks Ship & Play Airport Wait Time Trackers: MyTSA App | MiFlight Reserve Airport Screening Times Denver: DEN Reserve Rome: QPass Pre Approved Screening Global Entry TSA PreCheck CLEAR | CLEAR Mobile SENTRI Card NEXUS Cross Border Xpress ETIAS Automated Immigration Clearance Service (SES) Best Credit Cards That Offer Global Entry, TSA PreCheck And Clear Appointment Scanner Airport Concierge: CLEAR Ambassador Assist Airport Lost and Found Retrieval: CLEAR Scout Airport Lounge Membership: Priority Pass Mobile Passport Control E-Visas: Sherpa APEC Business Travel Card ATH Podcast 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 (02:11) How Early Should You Arrive at the Airport? (05:08) Days and Times to Avoid the Airport (06:41) The Most Efficient Ways to Check In (11:13) How to Save Time at Airport Security (14:53) Skipping the Line at Denver International Airport (19:25) TSA Pre and Global Entry (21:29) Easiest Way to Make a Global Entry Appointment (24:53) CLEAR: How It Works and How to Get It for Free (27:52) Extra Perks You Get with CLEAR (30:23) CLEAR, Pre-TSA, and Global Entry for Children (35:43) The First-Class Terminal and Private Lounge Experience (40:44) Quick Recap (41:42) How to Leverage Airport Greeters (44:59) Boarding Tips and Tricks (47:38) Passing Through Immigration (50:12) Why You Should Upgrade to a Biometric Passport (51:45) The Importance of Travel Authorization (Visa) (54:29) Is Sitting in Front of the Plane Actually Worth It? (55:26) The APEC Business Travel Card (1:00:05) Return Tickets for International Travel (1:01:44) Cheapest Airport Tip: Always Carry a Pen 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

#218: Learn to redefine financial freedom by aligning your life with what you truly love. We dive deep into why setting limits can actually create more freedom, how to define what “enough” means for you, the role of entrepreneurship in building a fulfilling life, and more. Grant Sabatier is an entrepreneur, investor, podcaster, and bestselling author of Financial Freedom and Inner Entrepreneur. He is also the founder of Millennial Money (acquired by The Motley Fool) and Clintonville Books, a rare bookstore in Columbus, Ohio. Link to Full Show Notes: https://chrishutchins.com/financial-freedom-grant-sabatier Partner Deals Copilot: Free 2 months access to my favorite personal finance app with code HACKS2 LMNT: Free sample pack of my favorite electrolyte drink mix Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth Vuori: 20% off the most comfortable performance apparel I've ever worn 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 Grant: Website | X Inner Entrepreneur: A Proven Path to Profit and Peace Financial Freedom: A Proven Path to All the Money You Will Ever Need Clintonville Books Replit The Daily Churn Podcast The Atlantic Article: The Anti-Social Century ATH Podcast Ep #74: A Hospice Doctor’s Advice on Making the Most of Your Finances, Relationships and Time with Jordan Grumet Ep #91: Die With Zero: Net Fulfillment Over Net Worth with Bill Perkins Membership Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:18) Grant's Evolving Definition of Freedom (04:57) How to Set Limits in Your Day-to-Day Life (08:52) How Limits Apply to Different People (18:16) Why Grant Recommends Meditation to Everyone (21:06) Finding Your Peace (25:52) How to Define and Find What "Enough" Is (27:47) Why Grant Writes for His Younger Self (34:13) How to Decide Whether to Save More or Earn More (39:51) Balancing the Paradox of Life (45:21) How to Find Your Inner Entrepreneur (54:10) Importance of Community in the Entrepreneurial Journey (56:48) Where to Find Grant and His Work 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