#201: Chris and Amy recap all the takeaways and planning tactics from two recent trips to Iceland (with All the Hacks listeners and the Big Island of Hawaii.

Link to Full Show Notes: https://chrishutchins.com/iceland-hawaii-trip-recap

Partner Deals

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

Fabric: Affordable term life insurance for you and your family

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

ATH Podcast

• Iceland Trip 2025: Sign Up
• Hotel Upgrade Program
• Ep #115: Iceland: Planning an Epic Adventure with Brandon Presser
• Ep #66: Rental Cars: Saving Money, Avoiding Fees and All the Secret Tricks with Jonathan Weinberg
• Chris + Amy AMA: Submit Questions
• Email us for questions, tips, deals and feedback

Iceland

Hot Springs

• Hvammsvík
• Blue Lagoon

West

• Snæfellsnes Peninsula
• Hótel Búðir

Reykjavík

• The Icelandic Punk Museum
• The Icelandic Phallological Museum
• Restaurants: Sumac Grill+Drinks | ÓX
• Icelandic Hot Dog: Bæjarins Beztu

South

• Thórsmörk
• Skálakot Manor Hotel and Horseback Riding Tours

Traveling to Iceland with points & miles in 2024

Top Super Jeep Tours in Iceland

Travel Backpacks by Tortuga

Hawaii

Kids Travel Gear

• JetKids™ by Stokke® BedBox™
• RideSafer Travel Vest

Hotels

• Mauna Lani
• Fairmont Orchid

Food & Drinks

• Lava Lava Beach Club
• Da Poke Shack
• On the Rocks

National Car Rental: Emerald Club Benefits

Southwest Family Boarding

Full Show Notes

(00:00) Introduction

(02:20) Overall Thoughts on Iceland

(05:37) Our Hot Springs Experience

(07:43) The Magical Northern Lights

(10:01) Eating Fermented Shark

(10:52) Why It’s Important to Meet the Locals

(11:52) Walking Around Reykjavik

(15:15) Icelandic Hot Dogs: Bæjarins Beztu

(19:34) Traveling Around Iceland in Super Jeeps

(21:53) The Types of Waterfalls Across Iceland

(23:47) The Uniqueness of Icelandic Culture

(28:29) Travel Logistics in Iceland

(34:06) Expenses & Payment Options in Iceland

(37:50) ATH Iceland Trip 2025

(40:41) Intro to the Hawaii Trip

(41:53) The Best Ways to Fly to Hawaii

(46:28) Southwest Family Boarding Trick

(47:52) Renting Cars in Hawaii

(51:17) Properties We Stayed at in Hawaii

(54:44) Food: Room Service, Kids Menu & Fine Dining

(58:05) Free & Unique Hotel Perks

(1:00:23) Fun Activities and Spots in Hawaii

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

#200: Take control of your taxes and save money with unique strategies from tax expert Jasmine DiLucci. Learn how to leverage IRS transcripts, identify misleading tax advice, and differentiate between personal and business deductions. We also cover common audit triggers and valuable tax planning advice for business owners.

Jasmine DiLucci is a seasoned tax attorney, Certified Public Accountant, and Enrolled Agent with over a decade of experience. She specializes in tax controversy, litigation, IRS collections, payroll debt disputes, penalty abatements, and audit representation.

Link to Full Show Notes: https://chrishutchins.com/tax-savings-2024-jasmine-dilucci

Partner Deals

Cultural Care: Get $250 off flexible childcare with international au pairs

1Password: Free 2-week trial of my favorite password manager

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

NetSuite: Free KPI checklist to upgrade your business performance

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

Jasmine DiLucci: YouTube | Website

Request IRS Transcripts

Donor-Advised Fund: Daffy (Free $25 for charity)

ATH Podcast:

• Chris' Newsletter: Subscribe
• Ep #50: The Power (and Tax Savings) of Charitable Giving with Adam Nash
• Ep #62: Protect Your Family, Mitigate Taxes and Preserve Your Wealth with Patrick and Mani
• Ep #147: How to Save on Taxes with Ankur Nagpal

Full Show Notes

(00:00) Introduction

(02:09) Why There's So Much Bad Tax Advice

(05:17) Debating for Business Expenses vs. Personal Expenses

(07:36) Can You Hire Your Kids to Work for You?

(10:31) Ways to Identify Good and Bad Tax Advice Online

(14:07) What Actually Happens When You Get Audited by the IRS

(20:13) Do Credit Card Transactions Justify Receipts?

(21:32) Common Things That Would Flag Audits

(24:13) The Importance of IRS Transcripts

(28:55) What Happens When the IRS Delays a Payment

(30:33) Jasmine's Advice to Minimize Tax Penalties

(32:36) What Kind of Tax Documents Can Have Errors?

(34:44) Filing Using Tax Tool vs. Tax Expert

(38:55) Chris' EOY Tax Checklist

(43:41) Business Tax: Setting Up S Corps vs. LLCs

(45:07) Changes to Expect in the Near Future

(49:30) Where to Find Jasmine

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

#199: Sharing my top 10 takeaways from a retreat for high-net-worth individuals hosted by Long Angle. Today, Tad Fallows and I discuss how money shapes our decisions—impacting everything from your mindset and family choices to overall happiness. We dive into the power of resilience over perfection, the importance of staying flexible in uncertain times, practical insights for raising financially responsible kids, and more.

Tad Fallows is the co-founder of Long Angle, a community for high net worth and ultra-high net worth investors. He previously co-founded iLab Solutions, a global leader in cloud-based lab management software, which was acquired by Agilent Technologies.

Link to Full Show Notes: https://chrishutchins.com/10-money-lessons-happiness-family-purpose

Partner Deals

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

Maui Nui: 20% off the most nutrient-dense red meat with code ALLTHEHACKS

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

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

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

Tad Fallows: LinkedIn

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

Chris + Amy AMA: Submit Questions

Happy Money: The Science of Happier Spending

ATH Podcast Episodes:

• #6: The Psychology of Money with Morgan Housel
• #49: Finding Happiness, Success and Deep Purpose with Arthur Brooks
• #87: How High Net Worth Individuals Invest and a Deep Dive on Alternative Assets with Tad Fallows
• #91: Die With Zero: Net Fulfillment Over Net Worth with Bill Perkins
• #170: Cash Back vs. Points: Are We Doing It All Wrong?
• #187: 42 Travel Planning Tips & Tricks from Travel Pro Leigh Rowan

AMA with Chris and Amy: Submit Questions

Full Show Notes

(00:00) Introduction

(02:48) Wealth Can Amplify the Good or Bad

(05:56) There Is No One Right Way to Invest

(09:39) Understanding Trade-Offs Can Unlock Hidden Opportunities

(12:16) How One-Third of the Economy Operates Outside Public Markets

(15:32) Building Resilience Is More Valuable Than Chasing Perfection

(21:24) With the Future Being Uncertain, Flexibility Becomes Key

(24:01) Estate Planning: Why You Should Have Flexibility Over Court Decisions

(27:14) Everyone Can Benefit from Seeking Advice

(30:26) Recognize That You're Not at the End of History

(33:07) The Key to Happiness: Finding Purpose Beyond Accumulating Wealth

(39:19) Two Curves of Happiness

(40:26) There's No Perfect Answer When It Comes to Money and Kids

(42:32) Should You Be Transparent About Finances with Your Kids?

(48:18) Why It’s Important to Have a Minimum Wage Job

(49:47) Optimizing Isn’t a Binary Game

(52:31) How Chris Optimizes Points & Miles

(55:58) Ways to Optimize Your Travel Experiences

(58:51) All Decisions Are Personal, So There Isn’t a Universal Right Answer

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

#198: Learn to find anything online quickly, effectively and securely with Chris and Steph Smith. We discuss essential tools and tips for navigating the web, from uncovering hidden information to leveraging AI and keyboard shortcuts to validating sources. Whether you’re a seasoned researcher or a casual browser, you’ll gain practical strategies to unlock the internet’s full potential.

Steph Smith is a writer and the host of the a16z and Sh*t You Don't Learn in School podcasts. She builds online projects like Internet Pipes and Trends, and has launched several websites that topped Product Hunt. Previously, she led HubSpot’s Creator Program and worked at The Hustle.

Link to Full Show Notes: https://chrishutchins.com/steph-smith-navigating-the-internet-pipes

Partner Deals

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

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

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

Oracle: Free trial of the next generation Oracle Cloud Infrastructure

Fabric: Affordable term life insurance for you and your family

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

Steph Smith: Website | X | Podcast

• Internet Pipes (Get $200 off with code ALLTHEHACKS)

Browser Extensions

• Keepa
• Honey
• Capital One Eno
• Points Path
• Keywords Everywhere
• Grammarly
• Library Extension
• Similarweb
• Ghostery
• Wappalyzer | changedetection.io | Distill
• Text Blaze
• OneTab

Tools

• Syften
• Arc
• Rectangle
• Superhuman (Use code ALLTHEHACKS for a free month)

Search Engines

• Reddit Search: GigaBrain | Redditle
• Academic Search: Google Dataset Search | Consensus

AI Tools

• Perplexity
• Globe Explorer
• Note Taking: Obsidian | NotebookLM
• Cubby
• PodEngine

Email Contact Searches: Lusha | Hunter | Muck Rack

RadRunner Electric Utility Bikes

Unclaimed Money Database

Supplement Validators: Examine | Pillser

Tools for Storing Info

• Evernote
• Notion (Try Notion AI free here)
• Apple Notes
• Save to Notion
• Arc Search

Audio and Video Editing: Descript

Business Ideas

• ImportYeti
• Harper's Index
• ResearchRabbit
• AppMagic

Web Scraping: Web Scraper | Browse AI

ATH Podcast

• Chris' Newsletter: Sign Up | Past Issues
• Ep #78: Action List: Everything You Can Do To Protect Your Identity, Accounts, Credit and Family
• Ep #85: Building a Second Brain to Organize Your Digital Life with Tiago Forte

Full Show Notes

(00:00) Introduction

(02:16) Most Common Mistakes in Finding Information Online

(04:45) Browser Extensions for Better Research

(09:47) Steph's Online Research Tools

(11:49) The Importance of Learning Keyboard Shortcuts

(14:54) The Different Types of Search Engines

(19:45) Why Reddit Is the Most Underutilized Search Engine

(23:51) How Information Available on Each Platform Differs

(25:05) AI Search Engine: Globe Explorer

(28:38) Ways to Leverage ChatGPT

(36:33) Features on Google's New Notebook LM

(44:47) How to Effectively Search for People's Email Addresses

(46:30) How to Delete Your Personal Information Online

(50:07) The Importance of Digital Privacy

(53:03) Ways to Validate Online Sources and Information

(55:52) Validating Expertise

(58:27) The Most Efficient Ways to Store Information

(1:06:08) Internet Pipes: Researching Business Ideas and Trends

(1:09:24) The Amazing Results of Web Scraping

(1:11:21) Steph's Final Piece of Advice for Online Research

(1:14:17) Where to Find Steph and Her 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

#197: Together with Kevin Rose, we'll dive into points and miles strategies, credit card optimization, travel tips, and career growth. Specifically, we'll cover everything from underrated credit card tricks, tactics for earning multiple welcome bonuses, navigating the complexities of family travel, staying updated on the best deals, our favorite podcasts, and so much more.

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

Link to Full Show Notes: https://chrishutchins.com/kevin-rose-ama-1

Partner Deals

Stable: 50% off your first year of my favorite digital mailbox

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

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

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

Oracle: Free trial of the next generation Oracle Cloud Infrastructure

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

Resources Mentioned

Kevin Rose: Website | Newsletter

DEXA Scan: DexaFit

Credit Cards

• Best Credit Cards Offers Page
• Capital One Venture X Rewards Credit Card
• Capital One Venture Rewards Credit Card
• U.S. Bank Altitude® Reserve Visa Infinite® Card
• Bank of America Preferred Rewards
• Robinhood Gold Credit Card
• Bilt Mastercard®
• Wells Fargo Autograph Journey℠ Card
• Wells Fargo Autograph℠ Card
• Citi Strata Premier℠ Card

Credit Card Optimizer Tool

How to Get Approved for Business Cards

Pepper Rewards App (Referral code: 612342)

Points and Miles Websites

• Frequent Miler
• Doctor Of Credit
• One Mile at a Time

Travel

• point.me
• AwardCat
• 10xTravel
• Savanti Travel
• Hyatt Globalist Guest of Honor: A Complete Guide

Podcasts

• Frequent Miler On The Air
• Animal Spirits
• The Memo by Howard Marks
• MoneyWise with Sam Parr
• The Peter Attia Drive
• diggnation
• Huberman Lab
• The Aliquot (Rhonda Patrick)

ATH Podcast

• Chris' Newsletter: Sign Up | Past Issues
• Chris' Membership
• Ep #47: Finding Happiness, Success and Deep Purpose with Arthur Brooks
• Ep #86: The Best Deals for Vacation Rentals, Exchanges, Fractionals, Timeshares and More!
• Ep #170: Cash Back vs. Points: Are We Doing It All Wrong?
• Ep #196: Optimizing Metabolic Health to Live a Longer and Healthier Life with Dr. Casey Means

Full Show Notes

(02:11) Introduction

(03:32) Strategizing Your Next Home Purchase

(07:42) When Should You Consider REITs?

(08:25) Mastering the Skill of Spending

(12:15) Why You Should Invest Toward Your Pain Points

(14:28) Maximizing Earnings in Less Than 6 Months

(16:51) Most Overrated Credit Card Trick

(20:55) Underrated Credit Card Strategies

(23:30) Chris' Credit Card Optimizer Tool

(25:34) Secret Perk on Amazon Visa Card

(26:49) How to Earn Multiple Welcome Bonuses

(30:26) Cancelling/Recycling Credit Cards

(35:20) How to Get Weekly Alerts on Deals & Finds

(37:01) Earning Points Beyond Regular Spending

(40:00) Pepper Points

(41:16) Alaska Airlines and Hawaiian Airlines Merger

(44:03) Adding Authorized Users on Your Card

(45:48) How to Search for Hotel Availability by Occupancy

(46:49) Chris' Favorite Websites to Earn Points From

(47:22) Best Credit Card Pairings

(49:33) Using Consultants to Maximize Points

(51:04) Relaxing on Vacation

(54:03) Rental Car Protection on Points

(55:57) Chris and Kevin's Favorite Airline Cabins

(58:10) Splitting Kids & Nanny into Different Class Flight Seats

(1:02:20) Earning Hyatt Globalist Status

(1:05:52) Optimizing Vacation Rentals or Extended Trips

(1:07:07) Chris and Kevin’s Favorite Podcasts

(1:09:31) How to Decide to Quit Your Job

(1:13:49) Accelerating Your Career With Kids

(1:20:13) Future Q&A Preview

(1:21:04) The Reason We Have Ads in the Show

(1:22:53) Where to Find Kevin

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

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

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

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

Partner Deals

Green Chef: 50% off your first meal kit + 20% off next 2 months with code ALLTHEHACKS50

1Password: Free 2-week trial of my favorite password manager

NetSuite: Free KPI checklist to upgrade your business performance

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

Casey Means: Website | Newsletter | Instagram | X

• Book: Good Energy

Levels Blog

Diabetes Reversal Diets: Virta Health | Mastering Diabetes

Biomarker Testing and Services

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

Functional Medicine Doctors

• The Institute for Functional Medicine
• Parsley Health

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

• Environmental Obesogens and Their Impact on Susceptibility to Obesity

Sleep Tracker: Oura Ring

Continuous Glucose Monitoring (CGM): Levels

ATH Podcast

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

Full Show Notes

(00:00) Introduction

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

(04:53) Metabolic Dysfunction: Definition and Impact

(08:38) The Causes of Metabolic Dysfunction

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

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

(23:59) How Our Body Handles Sugar

(27:04) The 5 Essential Components of Food

(28:33) How Important Is Hydration?

(30:45) Testing and Biomarkers for Metabolic Health

(34:11) Advanced Tests for Specific Health Functions

(40:37) Affordable Services to Test Your Biomarkers

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

(45:19) Understanding Diagnostic Categories

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

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

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

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

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

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

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

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

Connect with Chris

Newsletter | Membership | Twitter | Instagram | LinkedIn

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

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

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

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

Partner Deals

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

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

Fabric: Affordable term life insurance for you and your family

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

LMNT: Free sample pack of my favorite electrolyte drink mix

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

Resources Mentioned

Shopping Portals

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

Paid Surveys: e-Rewards

Dining: Bilt Rewards | OpenTable x IHG | SkyMiles Dining

Drugs Stores: Bilt Rewards x Walgreens

Starbucks x Delta

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

Local Events

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

Fuel: Shell x American Airlines

Hotel + Airline Partnerships

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

Hotel Booking Platform

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

Home Rentals

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

Travel

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

Activities

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

Pets: Rover x American Airlines

Rent: Bilt Rewards

Debit Cards: Paypal Bills

Bank Accounts

• American Express Rewards Checking
• Bask Bank Mileage Savings

Mortgage

• Rocket Mortgage
• Guaranteed Rate
• BetterMortgage

Energy Providers

• NRG Energy
• Reliant Energy
• XOOM Energy
• EnergyPlus

Donations

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

ATH Podcast

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

Full Show Notes

(00:00) Introduction

(01:57) Shopping Portals for Extra Points

(06:03) Leveraging Card-Linked Offers

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

(09:36) Online Survey Programs

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

(15:09) Delta SkyMiles from Starbucks

(15:46) Groceries

(19:22) Local Events

(20:48) Fuel Spend for Points and Miles

(21:38) Earning Miles Through Flights

(23:18) Points and Miles on Hotels

(25:01) Hotel Booking Platforms

(28:12) Home Rental Earnings

(29:02) Car Rental Rewards

(30:13) Points and Miles on Cruises

(30:41) Points with Lyft and Uber

(32:08) How to Earn Points on Activities

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

(38:08) Earning Points on Debit Cards

(40:20) Paying Taxes to Earn Points

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

(44:01) Airlines and Mortgage Partnerships

(44:41) Earning Miles via Energy Providers

(45:36) Leveraging Transfer Bonuses

(47:19) Earning Points with Credit Card Referrals

(47:48) Company Reimbursements

(49:15) Using Donations to Earn Points

(51:12) ATH Newsletter & Membership

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

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

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

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

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

Partner Deals

DRAM: 20% off my favorite sparkling water with zero calories, zero sugar

Facet: Personalized Financial Planning + $250 enrollment fee waived

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

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

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

JL Collins: Blog | X | Facebook

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

Blog: Mr. Money Mustache

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

ATH Podcast:

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

Full Show Notes

(00:00) Introduction

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

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

(07:27) The Simple Path to Wealth Explained

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

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

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

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

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

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

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

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

(49:21) Difference Between VTSAX vs. VTI

(53:19) How to Avoid Fees When Investing

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

(59:36) Exceptions for Debt

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

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

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

Connect with Chris

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

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

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

Partner Deals

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

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

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 Hutchins's Q&A Submission

Jamil Zaki: Website | X | Instagram

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

Cynic Personality Self Evaluation

ATH Podcast:

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

Full Show Notes

(00:00) Introduction

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

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

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

(09:45) The Spectrum of Cynicism

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

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

(20:30) The Generational Difference in Cynicism

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

(23:26) How to Cultivate Hopeful Skepticism

(26:58) What Are Values Affirmations?

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

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

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

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

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

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

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

(52:27) The Rule of Exception in Cynicism

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

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

Partner Deals

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

Resources Mentioned

Flight Tools

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

Hotel Tools

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

Chris' Airline/Hotel Transfer Partner Spreadsheet

Hotels

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

Car Rental Tools

• AutoSlash
• SIXT
• Hertz
• National

Restaurants

• Paris: Arnaud Nicolas
• Palma: Vandal

Places in Mallorca

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

Credit Cards

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

ATH Podcast

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

Full Show Notes

(00:00) Introduction

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

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

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

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

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

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

(26:39) Booking Our Intra-European Flights

(33:12) Renting a Car in Mallorca

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

(36:34) The Flight Experience to Paris

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

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

(47:11) Our Olympic Experience

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

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

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

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

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

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

(1:13:01) Overall Takeaway on Europe

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

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

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

Resources Mentioned

Ben Carlson: Website | Animal Spirits Podcast | X

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

Wealthfront Risk Parity Fund | What is Risk Parity?

JP Morgan: S&P 500 Market Concentration Chart

Fractional Vacation Homes: Pacaso

Paula Pant’s Podcast: Afford Anything

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

Study: Spending Habits of Retirees

ATH Podcast

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

Full Show Notes

(00:00) Introduction

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

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

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

(07:32) Experiences Shape Your Perception of Risk

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

(13:29) Optimism Should Be Your Default

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

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

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

(26:17) Less Is More

(30:17) Ways to Reduce Overthinking

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

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

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

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

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

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

(56:47) The Final Biggest Takeaway

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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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