Episodes
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#286: With credit card fees climbing, credits getting harder to use, and points constantly devaluing, it's fair to ask whether earning points and miles is even worth it anymore. In this AMA, Chris breaks down why the fees are still worth it for him (and who they're not worth it for), common mistakes to avoid when running the numbers, and when cash back makes the most sense. He also walks through how to start from scratch, when a high annual fee actually pays for itself, and how to squeeze more out of overlooked spending categories.Link to Full Show Notes: https://chrishutchins.com/are-points-worth-it-amaPartner DealsSuperhuman: â Free month of the fastest and best email with code ALLTHEHACKSTrust & Will: â Get 20% off personalized, legally binding estate plansGreen Chef: â 50% off your first month + 20% off for two months with code 50ALLTHEHACKSNetSuite: â Free KPI checklist to upgrade your business performanceWispr Flow: â Try effortless voice dictation for freeFor all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/dealsResources Mentionedâ Best Cards Pageâ â Join the CardTool Waitlistâ AMA: â Submit Questionsâ Points PathFrequent Miler: What are Delta SkyMiles worth?Frequent Miler: What are Hyatt points worth now that the new award chart is live?How to Automatically Forward iMessages & Texts to Other Contacts Using ShortcutsAm I Eligible for a Business Credit Card?Ep #227: The Path to Becoming an Expert in Points & Miles with Devon GimbelEp #249: Earn More Points in Multiplayer Mode with KaiEp #264: Deep Dive on Bilt Rewards and New Bilt 2.0 CardsEp #267: Credit Cards: What's in My Wallet for 2026Ep #280: The Hidden Rules of Credit Card ApprovalsEp #283: Do You Actually Need Travel Insurance?Gift Cards PageNewsletterLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: [email protected] Show Notes(00:00) Introduction(01:11) Why "Coupon Book" Cards Are a Premium-Card Problem, Not a Points Problem(02:08) Why Points Still Beat Cash Back for Most People(06:53) When Cash Back Actually Makes Sense(09:12) The Best Cash Back Cards Earning More Than 2%(16:05) Why Sign-Up Bonuses Make Points Cards the Clear Winner(18:01) The Best Business Card Welcome Offers Right Now(19:45) When a Cash Back Welcome Offer Is Actually Worth It(25:13) Where to Start If You're New to Points and Miles(30:49) How to Decide If a High Annual Fee Is Worth Paying(32:21) Breaking Down a $795 Annual Fee, Credit by Credit(38:53) Military Members: Open Every Card You Can(40:36) Fixing the Amazon + Costco + Southwest "Everything" Setup(43:10) The Right Way to Maximize Gas Spending(46:03) How to Earn Points Renting an RV(48:51) Why There Are No Good Cruise Credit Cards(50:20) Is Priority Pass Still Worth Paying For?(53:19) How to Maximize Referral Bonuses as a Couple(56:25) Should Couples Share Cards or Stay Separate?(01:02:34) The Simplest Way to Manage Points With a Partner(01:03:32) What to Do With Your Points When You Close a CardConnect with Chrisâ â Newsletterâ â | â Membershipâ â | â Xâ â | â Instagramâ â | â LinkedInâ â Editorâs Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.Learn more about your ad choices. Visit megaphone.fm/adchoices
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#285: Bill Perkins joins Chris to unpack what dying with zero really means in practice. They discuss why net fulfillment matters at every stage of life, which experiences are worth prioritizing now, how to bank memory dividends, the questions to ask yourself before spending (or saving), and how to solve for maximum fulfillment.
Bill Perkins is a hedge fund manager, energy trader, and author of the international bestseller Die With Zero
Link to Full Show Notes: https://chrishutchins.com/bill-perkins-net-fulfillment-beats-net-worth
Partner Deals
Haven: Skip the waitlist for the best sauna.
Gelt: â Skip the waitlist on personalized tax guidance to maximize your wealth
Copilot Money: â Free 2 months access to my favorite personal finance app with code HACKS2
DeleteMe: â 20% off removing your personal info from the web
Mercury: Help your business grow with simplified finances
For all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/deals
Resources Mentioned
Bill Perkins: Instagram | Website | X
Book: Die With Zero: Getting All You Can from Your Money and Your Life
Full-body MRI Scan: Prenuvo
Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence
ATH Podcast
#40: The Power of Regret, Motivation and Good Timing with Daniel Pink
Newsletter
AMA: Submit Questions
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: [email protected]
Full Show Notes
(00:00) Introduction
(01:27) Who Die With Zero Is Really For
(02:32) Defining Net Fulfillment
(03:14) Common Misconceptions People Have About Retirement and Spending
(05:07) Why Money's Value Declines as You Age
(09:12) Time Bucketing vs. a Bucket List
(14:06) Memory Dividends: How Experiences Pay You Back for Life
(20:47) Tactics to Make Your Memories Pay Bigger Dividends
(22:12) Why You Should Start Investing in Experiences Now
(25:39) How Far in Advance Should You Bucket Your Experiences?
(27:27) The Experiences to Prioritize in Your 20s and 30s
(30:35) Chris' Backpacking Trip
(31:33) How to Avoid Getting Stuck on the Hamster Wheel
(33:58) The Five Whys: Questioning the Outcome You Actually Want
(35:54) Bill's Advice to People Who Are Contemplating a Career Upgrade
(39:40) What to Do If You're Afraid of Running Out of Money
(40:39) Attach Your Efforts to Your Goals
(42:52) Letting Go of the Fear of Failure
(44:51) Reframe Your Mindset to Minimize Future Regret
(47:53) Do the Bold Thing
(49:00) What an Hour of Your Time Is Really Worth
(52:06) Should You Be Spending More or Less Money?
(56:47) How Much You Need and When You Can Stop Saving
(01:01:53) Why Doing It Now Also Benefits Your Future Self
(01:02:32) The Coke vs. Pepsi Experiment and How Memory Works
(01:03:46) Deconstructing What You Love About Your Job
(01:05:57) What Bill Loves and Hates About the FIRE Movement
(01:10:58) Get Past Your Habits and Ego to Unlock More Choices
(01:12:44) Why Chris Set a Lower Net Worth Goal
(01:16:08) Solving for Maximum Fulfillment
(01:20:47) The Health Habits That Unlock Everything Else
(01:24:24) Why Diagnostics Are Key to Catching Disease Early
(01:27:58) Where to Find Bill Perkins
Connect with Chris
â â Newsletterâ â | â Membershipâ â | â Xâ â | â Instagramâ â | â LinkedInâ â
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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#284: Chris breaks down the credit card benefits that save real money but rarely get attention, from getting a cracked iPhone repaired for free to purchase protections, travel coverage, and a deep bench of lesser-known perks. Learn exactly which card to reach for on every purchase, so you're always covered and never leaving money on the table.Link to Full Show Notes: https://chrishutchins.com/hidden-credit-card-benefits-2026/Partner DealsFora: Become a Fora Advisor todayBilt Rewards: â Earn the most valuable points when you pay rentMercury: Help your business grow with simplified financesQuince: Affordable luxury essentials with free shipping + 365 day returnsLMNT: â Free sample pack of my favorite electrolyte drink mixFor all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/dealsResources MentionedTools & Apps CardPointers: 30% off (50% off for ATH Members) GigSky The CultivistBenefit Programs Sapphire Tables (via OpenTable) Resy Mastercard Priceless Visa Universal Studios discounts SoFar Sounds Troon Rewards Discover Cash at Checkout Amex Venmo Send and SplitATH Podcast Ep #66: Rental Cars: Saving Money, Avoiding Fees and All the Secret Tricks with Jonathan Weinberg Ep #113: Unlocking the Power of Plastic: Maximizing Your Hidden Credit Card Benefits Ep #221: Deep Dive on Credit Reports, Scores, and Their Real-World Impact Ep #224: Airport Lounges: Getting In, Hidden Perks and Expert Tips with Kevin Song Ep #283: Do You Actually Need Travel Insurance? Hotel Upgrade Program Best Cards Page Gift Cards Page Newsletter AMA: Submit Questions Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Show Notes(00:00) Introduction(02:15) Purchase Benefits Overview(02:36) Purchase Protection: Coverage for Damaged or Stolen Items(05:15) How Extended Warranty Protection Works(06:36) Return Protection for Items Stores Wonât Take Back(07:55) When Price Protection Can Save You Money(12:27) Travel Benefits Overview(12:46) Trip Cancellation & Interruption Insurance(13:22) Trip Delay Coverage(13:47) Delayed Luggage Reimbursement(14:04) Lost and Damaged Bag Insurance(16:01) Rental Car Coverage: Primary vs. Secondary Insurance(21:37) Emergency Medical Coverage While Traveling(22:54) Non-Emergency Medical and Dental Coverage(23:22) What Travel Accident Insurance Actually Covers(23:53) Lounge Access Across Issuers and Networks(25:06) Booking the Luxury Hotel Collections for Free Perks(29:34) Free International Data and Roaming Benefits(31:46) Global Entry, TSA PreCheck & Trusted Traveler Credits(32:29) Cell Phone Protection Benefits(35:12) How to Maximize Card-Linked Offers(36:16) Automating Card-Linked Offers With CardPointers(37:26) What Credit Card Concierge Services Can Actually Do(38:49) Free Credit Scores and Credit Monitoring Tools(40:06) The Chase Instacart Benefit (and How to Stack It)(45:18) The Chase DoorDash Benefit(47:31) Exclusive Restaurant Reservation Programs(48:30) American Express Uber Benefits(49:14) Lyft Perks for Mastercard Holders(49:43) Capital One Entertainment and Drink Benefits(50:24) Free Museum Access With Bank of America and Capital One(52:22) Experience and Entertainment Programs(54:11) Getting Cash Out of Your Credit Card Benefits(55:50) Instant Approval and Virtual Card Numbers(58:02) Visa Network Benefits Worth Knowing(59:26) Mastercard Network Perks: Transit, Peacock, Airport Fast Track & Soho FriendsConnect with Chrisâ â Newsletterâ â | â Membershipâ â | â Xâ â | â Instagramâ â | â LinkedInâ â Editorâs Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.Learn more about your ad choices. Visit megaphone.fm/adchoices
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#283: Learn exactly when you might need travel insurance and when your credit cards already have you covered. Chris breaks down what travel insurance covers, how those benefits compare to the coverage built into popular credit cards, and when it makes sense to buy additional protection. Plus, what US health insurance actually covers abroad, and specialty policies worth getting for medical evacuation, scuba diving, and trips off the beaten path.Link to Full Show Notes: https://www.chrishutchins.com/travel-insurancePartner DealsZocdoc: Find and instantly book a doctor you love todayDeleteMe: â 20% off removing your personal info from the webGelt: â Skip the waitlist on personalized tax guidance to maximize your wealthWispr Flow: â Try effortless voice dictation for freeFabric: â Affordable term life insurance for you and your familyFor all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/dealsResources MentionedCredit Cards: Best Cards Page â June's Best Welcome Offersâ Travel Insurance Providers Allianz Travel Insurance Berkshire Hathaway Travel Protection Travel Guard World Nomads Travel Insured International Blue Cross Blue Shield Travel Insurance (BCBS Global Solutions) SquaremouthMedical Evacuation & Specialty Coverage Medjet Global Rescue AirMed Covac Global Redpoint Travel Protection American Alpine Club Divers Alert Network (DAN) Garmin SAR InsuranceHealth Insurance Resources Blue Cross Blue Shield Global Core Kaiser Permanente International Coverage Christian Healthcare Ministries Medicare Plan G / Medigap (Medicare.gov) LifeX ResearchATH Podcast Ep #277: The Japan ER Visit That Changed How We Travel (& Tokyo Disney) with Amy Fox Ep #113: Unlocking the Power of Plastic: Maximizing Your Hidden Credit Card Benefits Newsletter Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Show Notes(00:00) Introduction(01:30) What Trip Cancellation Insurance Actually Covers(04:41) How Trip Change and Interruption Coverage Works(05:40) Reimbursement Limits for Trip Delays(06:39) Lost and Delayed Bag Coverage Explained(08:01) Emergency Medical Evacuation & Repatriation Coverage(09:24) Political Security and Disaster Evacuation Coverage(09:49) Medical and Dental Expense Limits While Abroad(10:11) How Accidental Death and Dismemberment Insurance Works(10:27) Travel Insurance Add-Ons Worth Considering and a High-Level Recap(13:38) Pricing Out Real Policies for a Two-Week Europe Trip(17:24) Coverage You Likely Already Have vs. Unique Policies Worth Buying(18:18) What Counts as a Premium Credit Card?(18:58) How Cards Stack Up on Trip Cancellation and Interruption(21:32) Coverage for Award Flights Booked with Points(28:10) Price Drop Protection(28:46) Where Credit Card Trip Delay Coverage Beats Travel Insurance(30:05) Delayed Luggage Coverage on Premium Cards(31:41) Lost Bag Protection & Reimbursement Limits(34:02) Emergency Evacuation Benefits Included with Credit Cards(37:07) What Travel Accident Insurance Really Pays Out(39:07) When Standalone Travel Insurance Makes More Sense(39:31) Emergency Medical Coverage While Traveling Abroad(40:11) Rental Car Coverage and Primary vs. Secondary Insurance(46:12) What Credit Cards Cover Well(47:27) What US Health Insurance Actually Covers Abroad(50:54) How Health Sharing Plans Handle International Travel(51:43) Understanding Medicare Coverage Abroad(53:13) Handling Non-Emergency Medical Issues Overseas(56:22) Getting Evacuated to the Hospital of Your Choice(59:21) Specialty Coverage for Search and Rescue(01:00:57) Why Scuba Divers Need a Dedicated Membership(01:02:07) Travel Insurance Takeaways & Final RecommendationsConnect with Chrisâ â Newsletterâ â | â Membershipâ â | â Xâ â | â Instagramâ â | â LinkedInâ â Editorâs Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.Learn more about your ad choices. Visit megaphone.fm/adchoices
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#282: When does optimization stop helping and start hurting? Chris shares how a string of seemingly smart decisions had him pouring hours into marginal gains that never materialized. He unpacks the hidden cost of optimization, the role AI plays in amplifying it, and how he's learning to focus on what actually moves the needle.Link to Full Show Notes: https://chrishutchins.com/optimizing-is-my-kryptonite/Partner DealsNetSuite: â Free KPI checklist to upgrade your business performanceSuperhuman: â Free month of the fastest and best email with code ALLTHEHACKSGreen Chef: â 50% off your first month + 20% off for two months with code 50ALLTHEHACKSUpwork: â Free job posting to find, hire, and pay top freelance talentMercury: â Manage, move, and grow your moneyFor all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/dealsResources MentionedArticles & Podcasts Every After Automation: Article | PodcastTools & Apps PointsPath (use code ALLTHEHACKS15 for 15% off Pro) Autopilot (first $100 in savings free) Claude ChatGPT Deep PersonalityServices ClickablesEvents Points Travel FestivalATH Podcast #181: Making an Easy $3k/mo from Online Deals with Kai #273: Stop Overthinking and Start Deciding with Derek Sivers Builder Community Membership Best Cards Page Newsletter Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Show Notes(00:00) Introduction(01:26) Why Chris Feels Like He Has Zero Free Time(08:18) The Cabo Flight Booking Rabbit Hole(10:33) Building an AI Framework for Booking Travel(11:11) Chasing an Extra 15% Off With a United Card(12:49) When Optimizing Costs More Than the Original Price(15:53) Why Video Is Eating So Much of the Podcast's Time(18:56) The Endless Pursuit of Better YouTube Thumbnails(25:50) Recognizing the Real Cost of Over-Optimization(26:32) What AI Revealed About Why Chris Over-Optimizes(27:51) The Psychology Behind Chasing the Best Deal(30:02) Is AI Making Optimization Better or Worse?(31:11) Buying Back Time(31:39) A New Philosophy for Booking Flights(33:30) Tools That Help You Optimize Without the Mental Overhead(36:29) Chrisâ New Flight Booking Rules(37:03) Re-Optimizing Work to Create More Free Time(38:14) The Paper "Star" System for Catching Rabbit Holes(42:20) Revisiting Old Lessons(44:09) Using Technology to Audit How You Spend Your TimeConnect with Chrisâ â Newsletterâ â | â Membershipâ â | â Xâ â | â Instagramâ â | â LinkedInâ â Editorâs Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.Learn more about your ad choices. Visit megaphone.fm/adchoices
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#281: Chris shares the full playbook he used to take control of his health after digging into his family historical and lab results. He breaks down which tests are actually worth your money and when each one matters. Plus, how he built a personal health AI from his own medical records to surface what doctors missed.Link to Full Show Notes: https://chrishutchins.com/personal-health-ai-diagnostics/.Partner DealsDeleteMe: â 20% off removing your personal info from the webFora: Become a Fora Advisor todayCopilot Money: â Free 2 months access to my favorite personal finance app with code HACKS2Gelt: â Skip the waitlist on personalized tax guidance to maximize your wealthBilt Rewards: â Earn the most valuable points when you pay rentFor all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/dealsResources MentionedDoctors & Medical Practices PrimaryMD One Medical Blueberry ZocdocBiomarker & Blood Testing Function Health SuperPower InsideTracker InstaLab Ulta Lab Tests Quest Diagnostics LabcorpSpecialized Diagnostics Nucleus 23andMe Levels PrenuvoHealth Data Aggregators & AI Tools Apple Health Google Health Epic Claude ChatGPT Gemini PubMedTech & Wearables Oura Ring WhoopATH Podcast #097: Optimizing Your Health: Diagnostic Tests, Choosing a Doctor, Sleep, Longevity, Inflammation and More with Dr. Jordan Shlain Newsletter Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Show Notes(00:00) Introduction(00:46) Chris' Lifelong Battle with High Cholesterol(07:20) Switching to a More Proactive Doctor(09:39) Family Medical History: The Cheapest Diagnostic Tool(10:59) Why ApoB and Lp(a) Belong on Every Lipid Panel(17:04) Detecting Soft Plaque with a CT Angiogram(20:02) Moving Beyond Statins for Better Cholesterol Control(21:46) How Chris Got a $500/Month Drug Covered by Insurance(25:11) Branching Out to Other Health Diagnostics(26:15) Comparing the Major Biomarker Blood Work Services(32:31) What Whole Genome Sequencing Actually Tells You(34:36) The Real Value of Continuous Glucose Monitoring(36:08) Getting a Full-Body Skin Scan from a Dermatologist(36:32) Using a DEXA Scan to Baseline Body Composition(37:17) Benchmarking Fitness with a VO2 Max Test(37:51) The Case For (and Against) a Prenuvo Whole-Body MRI(39:51) Why You Still Need a Human Doctor in the Loop(44:02) Finding the Right Primary Care Setup for Your Budget(46:21) The Health Basics Worth More Than Any Fancy Test(48:40) Building a Personal Health AI From Your Medical Records(56:56) Smarter Ways to Track Your Diet with AI(01:01:43) Why Chris Records Every Doctor's Appointment(01:02:25) Final Takeaways on Modern Health DiagnosticsConnect with Chrisâ â Newsletterâ â | â Membershipâ â | â Xâ â | â Instagramâ â | â LinkedInâ â Editorâs Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.Learn more about your ad choices. Visit megaphone.fm/adchoices
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#280: Learn how to dramatically improve your odds of getting approved for the credit cards you actually want. Chris breaks down the hidden system every bank uses to evaluate applications, why your credit score matters far less than what's on your report, and the real factors driving denials, from credit-to-income ratios to recent inquiries to each issuer's internal model. He also walks through what to do before you apply, how to sequence applications across issuers, and the right moves to make after a denial.Link to Full Show Notes: https://chrishutchins.com/credit-card-approval-strategy.Partner DealsQuince: Affordable luxury essentials with free shipping + 365 day returnsMercury: Help your business grow with simplified financesWispr Flow: â Try effortless voice dictation for freeFabric: â Affordable term life insurance for you and your familyLMNT: â Free sample pack of my favorite electrolyte drink mixFor all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/dealsResources MentionedCredit Cards The Atmosâą Rewards Visa Summit Card The Business Platinum CardÂź from American Express Southwest Rapid RewardsÂź Plus Credit Card Capital One Venture X Business Capital One Venture X Rewards Credit Card Capital One Spark Cash PlusTools & Resources Doctor of Credit MyFICO Forums LexisNexisArticles Complete Guide to Credit Card Application Rules by BankATH Podcast #221: Deep Dive on Credit Reports, Scores, and Their Real-World Impact #228: Deep Dive on Citi Credit Cards and ThankYou Points (Best 2-Card Combo) #236: Deep Dive on Amex Credit Cards and Membership Rewards Points #242: Deep Dive on Capital One Credit Cards and Miles (+ Why I Love Them) #247:Deep Dive on Bank of America Credit Cards (Up to 5.25% Cash Back) Best Cards Page AMA: Submit A Question Newsletter Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Show Notes(00:00) Introduction(03:50) Why Chris Lets His Cards Report High Balances(05:06) When Your Credit Score Actually Matters(05:53) Why Business Cards Stay Off Your Credit Report(06:39) What Actually Counts as a Business(10:55) How Your Credit-to-Income Ratio Drives Approvals(14:48) What Your Payment History Reveals(15:08) Why Recent Inquiries Can Sink Your Application(17:44) The Chase 5/24 Rule Explained(18:44) The Hidden Internal Models Banks Use(19:18) Diagnosing a Listener's Surprise 820-Score Denial(24:56) What to Check Before You Hit Submit(25:55) Sequencing Business Card Applications for Approval(28:05) The Best Personal Card Offers Right Now(28:50) Why a Checking Account Can Boost Your Odds(30:10) Using Frozen Credit Bureaus to Your Advantage(32:37) Tag-Teaming Applications With a Partner(33:32) Why Last-Minute Fixes Don't Work(34:32) Using Pre-Qualification Tools to Avoid Hard Pulls(34:49) Cutting Unnecessary Credit to Get Approved(35:27) What Actually Happens After a Denial(40:54) When It Makes Sense to Close a Card(44:26) The Hidden Value of Card-Linked Offers(46:15) Every Major Bank's Application Rules(48:45) The Mindset Shift That Changes EverythingConnect with Chrisâ â Newsletterâ â | â Membershipâ â | â Xâ â | â Instagramâ â | â LinkedInâ â Editorâs Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.Learn more about your ad choices. Visit megaphone.fm/adchoices
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#279: Learn to handle market volatility and build long-term wealth in a world dominated by AI disruption, market fear, inflation concerns, and nonstop financial noise. Chris and Ben discuss why investing remains psychologically difficult, how to think about global diversification, when to reevaluate your portfolio, and the risks most investors still overlook.
Ben Carlson is the Director of Institutional Asset Management at Ritholtz Wealth Management and the author of five books on investing, including his newest, Risk and Reward. He's the creator of the blog A Wealth of Common Sense and co-host of the Animal Spirits podcast.
Link to Full Show Notes: https://chrishutchins.com/risk-market-volatility-ben-carlson
Partner Deals
Thrive Market: â 30% off your first order of organic groceries + a free $60 gift
Upwork: â Free job posting to find, hire, and pay top freelance talent
DeleteMe: â 20% off removing your personal info from the web
Superhuman: â Free month of the fastest and best email with code ALLTHEHACKS
Gelt: â Skip the waitlist on personalized tax guidance to maximize your wealth
For all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/deals
Resources Mentioned
Ben Carlson: Website | X
Book: Risk and Reward
Podcast: Animal Spirits
A Longer Life Can Lead to Financial Concerns, and More Questions
The Millionaire Next Door by Thomas Stanley and William Danko
Roger Federer's 2024 Dartmouth Commencement Address
ATH Podcast
#128: The Psychology of Money with Morgan Housel
#174: Secrets of Success in Life and Work with Legendary Silicon Valley Investor Andy Rachleff
Newsletter
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: [email protected]
Full Show Notes
(00:00) Introduction
(00:49) Why Investing Is Still So Hard for Most People
(01:37) How Today's Media Makes Markets Feel Scarier Than Ever
(02:51) The Core Idea Behind Ben’s New Book
(05:10) What Japan's Lost Three Decades Teach Long-Term Investors
(08:50) Why You Need Exposure Beyond Your Home Market
(10:18) Will AI Reshape Global Markets or Just U.S. Stocks?
(14:01) Could a Dot-Com-Style Crash Happen Today?
(15:57) Why AI Could Still Trigger the Next Bubble
(17:57) Focus on What You Can Control, Not What You Can't
(19:16) The Worst-Case Inflation Scenario of the 1970s
(21:47) How to Think About Inflation in Today's Economy
(23:36) The Inflation Hedges Most People Already Have
(26:58) How to Filter the Noise and Stay Long-Term
(33:31) The Penalty Kick Study and Why We Hate Doing Nothing
(35:08) When It's Actually Time to Reevaluate Your Plan
(36:49) Planning Your Career and Money for an AI Future
(43:33) Why Optimism Is a Long-Term Investing Edge
(47:25) The Tax Alpha Most Investors Are Missing
(50:05) Applying These Lessons Closer to Retirement
(51:53) The Risks Most Investors Forget to Plan For
(56:50) The First Move to Rethink Your Risk Profile Tonight
(59:42) Where to Find Ben and His New Book
Connect with Chris
â â Newsletterâ â | â Membershipâ â | â Xâ â | â Instagramâ â | â LinkedInâ â
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 -
#278: Is AI making it possible for the average person to live a fully optimized life? Chris and Anish swap notes on how custom AI tools are replacing years of spreadsheets, and reshaping the way we work, learn, create, and relate to each other. They dig into why Chris has abandoned OpenClaw, the architecture mistakes almost everyone is making, and what happens when the subsidies on all these tools eventually go away.
Anish Acharya is a general partner at Andreessen Horowitz, where he leads consumer and AI-native investing.
Link to Full Show Notes: https://chrishutchins.com/ai-tools-spreadsheets-anish-acharya/
Partner Deals
Bilt Rewards: â Earn the most valuable points when you pay rent
Green Chef: â 50% off your first month + 20% off for two months with code 50ALLTHEHACKS
NetSuite: â Free KPI checklist to upgrade your business performance
Mercury: â Manage, move, and grow your money
Fora: Become a Fora Advisor today
For all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/deals
Resources Mentioned
AI tools and platforms
Claude
OpenAI Codex
ChatGPT
Gemini
Perplexity Computer
Cursor
OpenClaw
Tools Chris is using in his stack
CardPointers
1Password
Zapier
Apple Health
Notion
Dropbox
Travel and points tools
Google Flights
Seats.aero
Roame
ATH Podcast
#265: I Built an AI Assistant That Works While I Sleep
#275: The Custom Everything Era with Kevin Rose
Newsletter
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: [email protected]
Full Show Notes
(00:00) Introduction
(02:08) How Chris Replaced His Award-Flight Spreadsheets With an Agent
(04:20) Why Your AI Setup Should Be Platform-Agnostic
(07:13) Why Sub-Agents Don't Actually Make Sense
(13:29) Skills, Connectors, Projects, and Channels Explained
(17:29) Anish on the Two Big Breakthroughs: Coding Agents and Personal Agents
(18:29) Zero Marginal Cost of Doing Work
(21:01) Will Knowledge Get Less Democratized in the AI Era?
(22:17) The Four Layers of Personal AI: Knowledge, Data, Trust, and Connection
(24:35) The Black Pill: Do Most People Have Enough Agency for This?
(26:29) How Chris Connected His Own CardTool App to Claude
(32:07) The Family Video Montage Built From iMessages and Photos
(33:51) Reverse-Prompting and Breaking Tasks Into Discrete Steps
(36:35) Is AI Making Us More Connected, or Less?
(41:45) The Coming Flood of Bill Disputes, Appeals, and Speeding Tickets
(44:52) Gemini, OpenAI Apps, and Claude Connectors Compared
(47:03) The Hidden Power of Zapier's MCP Server
(50:20) Managing Logins and Sensitive Data Without Losing Sleep
(53:20) What's Still Not Possible With AI Today
(56:56) The Gell-Mann Amnesia Effect Applied to AI
(01:00:11) The Subsidies Behind Your $20 ChatGPT Plan
(01:04:59) Evaluating the Actual Cost of AI
Connect with Chris
â â Newsletterâ â | â Membershipâ â | â Xâ â | â Instagramâ â | â LinkedInâ â
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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#277: The last morning of our Japan trip turned into a sprint to a Tokyo emergency room, and challenged what we thought we knew about traveling abroad. We break down what a Japanese ER really cost, credit card benefits most travelers don't know they have, the best places to shop in Japan right now, and how to navigate Disney Tokyo without losing your day to four-hour lines.Link to Full Show Notes: https://chrishutchins.com/japan-er-disney-shoppingPartner DealsCopilot Money: â Free 2 months access to my favorite personal finance app with code HACKS2Gelt: â Skip the waitlist on personalized tax guidance to maximize your wealthFabric: â Affordable term life insurance for you and your familyDeleteMe: â 20% off removing your personal info from the webStoryworth: Share your mother's stories in a custom book (+ up to $20 off)For all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/dealsResources MentionedFlights & Award Booking Japan Airlines Finnair Avios American Airlines Award Tool Seats.aeroHotels Park Hyatt Tokyo Hilton Tokyo Bay Disney Ambassador Hotel AirbnbActivities teamLab KidZania Tokyo Disneyland Tokyo DisneySeaLuggage & Transportation Yamato Transport RideSafer Travel Vest Suica Card Takuhaibin Delivery ServicesTechnology & Planning Claude Claude Code Codex Google Maps offline Google Translate T-MobileShopping Muji Don Quijote (Donki) Loft Takashimaya ARC5 PALM-Sized 5-Blade Electric Luxury Razor Keana Rice Pack face maskFood & Dining 7-Eleven Japan FamilyMart Koffee Mameya Afuri Ramen Rokurinsha Mos BurgerCredit Cards Bank of AmericaÂź Atmosâą Rewards Summit Visa InfiniteÂź Credit Card Chase Sapphire ReserveÂź The Platinum CardÂź from American ExpressATH Podcast AMA: Submit A Question Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Show Notes(00:00) Introduction(01:20) The Chaotic Last Day â and Why a Great Hotel Concierge Changes Everything(06:01) What Happened When We Had a Medical Emergency in Japan(14:05) Rethinking Which Credit Card to Use for Booking International Travel(17:48) Why Japan Is One of the Best Places to Shop Right Now (and What to Buy)(27:32) DisneySea vs. Disneyland Tokyo(28:34) The Disney Lines Strategy: Premier Access, Vacation Packages, and Happy Entry(35:25) The Popcorn Hack and Other Only-in-Japan Disney Tips(41:54) Trip Highlights, Honest Regrets, and How We Handle Jet Lag(45:01) How Letting Go of "Once-in-a-Lifetime" Made the Trip Better(48:26) Don't Be Afraid to Ask for What You Need(49:48) The One-Day Buffer That Makes Every Trip BetterConnect with Chrisâ â Newsletterâ â | â Membershipâ â | â Xâ â | â Instagramâ â | â LinkedInâ â Editorâs Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.Learn more about your ad choices. Visit megaphone.fm/adchoices
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#276: Learn how Chris and Amy booked four nonstop business class seats and a week at the Park Hyatt Tokyo almost entirely on points. They break down the strategy, key takeaways for traveling with kids, Chris' AI-powered trip planner, and more. Link to Full Show Notes: https://chrishutchins.com/50k-points-japan-tripPartner DealsUpwork: â Free job posting to find, hire, and pay top freelance talentWispr Flow: â Try effortless voice dictation for freeFora: Become a Fora Advisor todayMasterClass: â Learn from the world's best with 15% offAura Frames: $25 off the Carver Mat with code ALLTHEHACKSFor all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/dealsResources MentionedFlights & Award Booking Japan Airlines Finnair Avios American Airlines Award Tool Seats.aeroHotels Park Hyatt Tokyo Hilton Tokyo Bay Disney Ambassador Hotel AirbnbActivities teamLab KidZania Tokyo Disneyland Tokyo DisneySeaLuggage & Transportation Yamato Transport RideSafer Travel Vest Suica Card Takuhaibin Delivery ServicesTechnology & Planning Claude Claude Code Codex Google Maps offline Google Translate T-MobileCredit Cards Bank of AmericaÂź Atmosâą Rewards Summit Visa InfiniteÂź Credit Card Chase Sapphire ReserveÂź The Platinum CardÂź from American ExpressShopping Muji Don Quijote (Donki) Loft Takashimaya ARC5 PALM-Sized 5-Blade Electric Luxury Razor Keana Rice Pack face maskFood & Dining 7-Eleven Japan FamilyMart Koffee Mameya Afuri Ramen Rokurinsha Mos BurgerATH Podcast AMA: Submit A Question Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Show Notes(00:00) Introduction(01:59) Why Booking Business Class to Japan a Year Out Actually Works(16:46) What Our Hyatt Points Are Worth Now â and After the Upcoming Devaluation(20:37) âWhy We Stayed in Tokyo the Entire Trip (and Why We're Glad We Did)(25:43) Why TeamLab Should Be on Every Asia Itinerary(26:46) How to Save on Phone Data Abroad and the Rookie Mistake to Avoid(27:31) How We Used AI to Build a Real-Time Trip Guide Before We Even Landed(35:58) Japan Airlines Business Class Review(38:56) Inside the Freshly Renovated Park Hyatt Tokyo(45:37) Is the Park Hyatt Tokyo's Location Actually a Problem?(51:03) Did the Cherry Blossoms Live Up to the Hype?(53:57) Why Japan's Bathrooms, Vending Machines, and Convenience Stores Are a Revelation(56:09) Cash, Cards, and Transit: How to Pay Your Way Through Japan(57:45) What We Learned About Traveling Tokyo with Kids(59:19) Why Food in Japan Is Just Better (Even at 7-Eleven)(01:00:51) KidZania Tokyo: The Best Kid Experience You've Never Heard Of(01:05:26) Why Japan's Bag-Forwarding Service Is a Game Changer for FamiliesConnect with ChrisNewsletter | Membership | X | Instagram | LinkedIn Editorâs Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.Learn more about your ad choices. Visit megaphone.fm/adchoices
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#275: Chris and Kevin dig into how they're actually using AI tools in their daily lives right now. They explore real-world AI use cases, the tradeoffs of sharing personal data, the collapse of trust online, and what all of this means for jobs, creativity, and human connection.Kevin Rose is the host of Diggnation and a partner at True Ventures, an early-stage venture capital firm that has invested over $4 billion in a portfolio of over 400+ founders. Kevin previously founded Zero and Oak, and was a partner at Google Ventures.Link to Full Show Notes: https://chrishutchins.com/using-ai-tools-today-kevin-rosePartner DealsAura Frames: $25 off the Carver Mat with code ALLTHEHACKSNetSuite: â Free KPI checklist to upgrade your business performanceQuince: Affordable luxury essentials with free shipping + 365 day returnsBilt Rewards: â Earn the most valuable points when you pay rentMercury: Help your business grow with simplified financesFor all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/dealsResources MentionedKevin Rose: Diggnation | NewsletterAI Tools & Platforms Claude OpenClaw ChatGPT Google Gemini ElevenLabs VercelJapan Travel Craig Mod's Blog Park Hyatt Tokyo KidZania TokyoArticles & Pop Culture Leica and Content Authenticity Initiative All-In Podcast episode with Travis Kalanick The Pitt Joker GreetingATH Podcast Newsletter Gift Card Site Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Show Notes(00:00) Introduction(01:07) Are We Actually Saving Time with AIâor Just Wasting It Faster?(10:03) The Real Risks of Sharing Your Data with AI Tools(21:18) Why Itâs Never Been Easier to Build and Create(28:12) Has AI Content Already Gone Too Far?(37:37) How AI Is Reshaping Human Interaction(40:43) The Growing Need to Verify Whatâs Real(46:33) Investing in a World Being Disrupted by AI(51:44) Where Jobs Are Headed in the AI Era(55:02) What Happens to Art When Anyone Can Create?(56:47) Tips for Planning a Trip to JapanConnect with Chrisâ â Newsletterâ â | â Membershipâ â | â Xâ â | â Instagramâ â | â LinkedInâ â Editorâs Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.Learn more about your ad choices. Visit megaphone.fm/adchoices
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#274: Chris walks through the complete history of points and miles and breaks down the $140 billion machine behind them, so you can get more out of every point you earn. He covers the legal accidents that made credit cards wildly profitable, why loyalty programs are worth more than the airlines, the psychology behind why you keep hoarding points, and more. Link to Full Show Notes: https://chrishutchins.com/history-of-points-and-milesPartner DealsStoryworth: Share your mother's stories in a custom book (+ up to $20 off)Fabric: â Affordable term life insurance for you and your familyGelt: â Skip the waitlist on personalized tax guidance to maximize your wealthThrive Market: â 30% off your first order of organic groceries + a free $60 giftDeleteMe: â 20% off removing your personal info from the webFor all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/dealsResources MentionedMovie: âThe Man From The Diners Club Book: Mileage Maniac by Steve BelkinVideo: How Airlines Quietly Became BanksArticles Credit-card cash reshapes US airline loyalty â and profit by Reuters Interview with Matty Simmons by The Saturday Evening Post Who Pays For Your Rewards? Redistribution in the Credit Card Market by Agarwal, Presbitero, Silva, and WixATH Podcast Best Cards Page AMA: Submit A Question Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Show Notes(00:00) Introduction(00:53) The Very Beginning of Points & Miles(04:07) How Credit Cards Came to Exist(08:24) The Legal Accident that Made Credit Cards Profitable(15:50) The History of Rewards(19:06) The Story of Air Pass(23:20) The First Airline Co-branded Credit Cards(25:21) How the Credit Card System Works Between Different Banks(29:38) How the Airline Rewards System Works(35:32) Airline Rewards Grade Devaluations(37:31) Examples of Rare Airline Reward Point Opportunities(39:33) The Endowed Progress Effect(40:38) The Goal Gradient Effect and Chasing Airline Rewards(41:09) The Sunk Cost Fallacy(41:47) The Separate Mental Accounts Effect(42:46) Quick Summary of the History of Miles & PointsConnect with Chrisâ â Newsletterâ â | â Membershipâ â | â Xâ â | â Instagramâ â | â LinkedInâ â Editorâs Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.Learn more about your ad choices. Visit megaphone.fm/adchoices
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#273: Learn to stop overthinking and make better decisions. Chris and Derek discuss how optimizing can go wrong, a coin flip trick for making decisions, journaling as a superpower, how your actions might reveal what you actually want, and more.
Derek Sivers is an entrepreneur, writer, and self-proclaimed "slow thinker" best known for founding CD Baby, which he sold for $22M and gave the proceeds to charity. He’s since dedicated his life to creating, learning, and writing books like Hell Yeah or No.
Link to Full Show Notes: https://chrishutchins.com/derek-sivers-stop-overthinking-make-better-decisions
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Gusto: â Free 3-month trial of the #1 payroll software
Copilot Money: â Free 2 months access to my favorite personal finance app with code HACKS2
For all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/deals
Resources Mentioned
Derek Sivers: Website | X
Book: Hell Yeah or No: what's worth doing
Articles: My Heroes | Actions, Not Words, Reveal Our Real Values | Parenting: Who Is It Really For? | Travel Is Best With Young Children | Relax for the Same Result | How To Ask Your Mentors For Help
Books Mentioned: The Paradox of Choice | Brain Rules for Baby
New Zealand Recommendation: Staglands Wildlife Reserve
ATH Podcast
AMA: Submit A Question
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: [email protected]
Full Show Notes
(00:00) Introduction
(02:39) Turning Intentions Into Reality
(07:34) Reflecting On What You Want And Why
(13:39) Methods For Decision-Making
(16:23) Learning To Pause, Reflect, And Push Back Through Journaling
(31:01) Making Decisions When There Are Too Many Options
(37:15) Coin Toss: Noticing Your Feelings While The Coin Is In The Air
(39:52) Paradox Of Choice: Satisfice Not Maximize
(50:30) Theory Vs. Practice
(58:53) Decision-Making Based On Personal Goals And Aspirations
(01:03:14) Actions Reveal Values
(01:08:30) The Power of Saying No
(01:18:18) Parenting Perspective
(01:22:31) Traveling With Children
(01:31:53) Adjusting Expectations
(01:41:07) Relax for The Same Result
(01:49:42) Derek Sivers’ New Zealand Recommendations
Connect with Chris
â â Newsletterâ â | â Membershipâ â | â Xâ â | â Instagramâ â | â LinkedInâ â
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 -
#272: Learn how to turn your points into significantly better travel experiences by following a simple, repeatable system. We cover how to plan, find award availability, choose the right tools, and decide between portals vs. transfers, plus the mindset shifts that make the whole process work.Link to Full Show Notes: https://chrishutchins.com/booking-travel-with-points-and-miles-2026Partner DealsGelt: â Skip the waitlist on personalized tax guidance to maximize your wealthBilt Rewards: â Earn the most valuable points when you pay rentDeleteMe: â 20% off removing your personal info from the webWispr Flow: â Try effortless voice dictation for freeGreen Chef: â 50% off your first month + 20% off for two months with code 50ALLTHEHACKSFor all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/dealsResources MentionedAward Search Tools AwardTool ($20 off annual plans with code ALLTHEHACKS) point.me (20% off annual plans with code ALLTHEHACKS20) PointsYeah Seats.Aero Points Path Browser Extension FlightConnectionsCredit Cards Best Cards Page CardTool App Marriott Bonvoy BrilliantÂź American ExpressÂź CardATH Podcast Ep 166: Best Award Search Tools for Booking Flights with Points & Miles with Greg the Frequent Miler Ep 227: The Path to Becoming an Expert in Points & Miles with Devon Gimbel Ep 238: 18 Tactics for Booking Travel with Points & Miles Ep 244: How I Saved $10,000+ on Luxury Hotels Ep 258: My Top 5 Mistakes with Points & Miles Membership AMA: Submit A Question Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Show Notes(00:00) Introduction(01:10) Two Ways to Use Points for Travel(06:30) Define Your Flexibility Before You Search(11:42) Clarify What You Actually Want From A Trip(15:00) When to Start Planning (and Why Earlier Is Almost Always Better)(18:48) How To Find Award Availability(19:55) The Best Award Search Tools & How to Use Them(21:17) How Award Tools Work(23:30) Using Alerts To Find Better Flights(26:15) What To Do When You Canât Find Availability(28:31) How to Book for a Group When Availability Is Tight(31:32) Why You Should Book One-Way Flights(32:27) How To Use Points For Domestic Flights(34:38) The Best Tool For Domestic Award Searches(35:05) Why Diversifying Your Points Unlocks More Domestic Options(36:36) Should You Ever Use Points to Upgrade Seats?(39:00) Are Travel Portals Worth It?(39:36) The Case Against Using Travel Portals(42:09) The Case For Using Travel Portals(45:17) How To Think About Chase Points Boost(48:26) When Using Points For Hotels Makes Sense(50:50) The Best Ways to Earn Hotel Points(53:54) The Award Booking Index CardConnect with Chrisâ â Newsletterâ â | â Membershipâ â | â Xâ â | â Instagramâ â | â LinkedInâ â Editorâs Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.Learn more about your ad choices. Visit megaphone.fm/adchoices
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#271: Learn why over-optimizing your life can quietly destroy the things you actually care about. Chris and Sahil explore the doorman fallacy, why big life decisions should happen fast, how to use AI as a thinking partner, and why systems beat motivation every time.Sahil Bloom is a writer, entrepreneur, and investor. He wrote The 5 Types of Wealth, publishes the newsletter The Curiosity Chronicle to nearly a million readers, and is the Founder of the men's skincare line Wild Roman.Link to Full Show Notes: https://chrishutchins.com/sahil-bloom-stop-over-optimizing-lifePartner DealsQuince: Affordable luxury essentials with free shipping + 365 day returnsMercury: â Manage, move, and grow your moneyLMNT: â Free sample pack of my favorite electrolyte drink mixFabric: â Affordable term life insurance for you and your familyMasterClass: â Learn from the world's best with 15% offFor all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/dealsResources MentionedSahil: Website | Newsletter | X Wild Roman: 10% off with code CHUTCHINS10Books & Articles The 5 Types of Wealth by Sahil Bloom A Reflection On The Little Things The Doorman Fallacy The Real AI Risk Nobody Told You About The 2028 Global Intelligence Crisis Rule for Life: Don't ComplainAI Tools Deep Personality Lemon Wispr FlowPhone Lock Box: Mindsight Timed Lock BoxFull Show Notes(00:00) Introduction(00:58) Why Sahil Moved His Entire Family from New York to Boston(03:09) Why Big Life Changes Should Happen Fast(04:47) The Real ROI of Small Moments(06:27) The Doorman Fallacy: What You Lose When You Optimize the Surface(10:32) Designing Your Life vs Letting It Happen(15:15) The Tradeoffs of Living Near Opportunity(22:17) Why Now Is the Best Time in History to Be Curious(30:05) How Sahil Actually Uses AI Day-to-Day(36:23) Solomon's Paradox: Why We Can't Take Our Own Advice(38:45) Using Voice Agents to Think Better(40:03) Balancing Work, Family, and Time(45:47) Why Motivation Is Overrated and Choice Architecture Wins(49:11) Making Workouts Non-Negotiable Without Sacrificing Work(52:54) How Often to Audit Your Routines (Before They Start Owning You)(53:42) Why Sahil Invested $1M of His Own Money in a Skincare CompanyConnect with Chrisâ â Newsletterâ â | â Membershipâ â | â Xâ â | â Instagramâ â | â LinkedInâ â Editorâs Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.Learn more about your ad choices. Visit megaphone.fm/adchoices
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#270: Chris and Amy discuss lessons from three ski trips with kids, using AI to redesign rooms on a budget, their favorite new gadgets, navigating high-deductible health plans, and more. Link to Full Show Notes: https://chrishutchins.com/ski-trips-ai-home-design-health-finances-amyPartner DealsNetSuite: Free KPI checklist to upgrade your business performanceGelt: Skip the waitlist on personalized tax guidance to maximize your wealthTrust & Will: Get 20% off personalized, legally binding estate plansDeleteMe: 20% off removing your personal info from the webUpwork: Free job posting to find, hire, and pay top freelance talentFor all deals, discounts, and promo codes from our partners, visit:chrishutchins.com/dealsResources Mentioned Delta SkyMilesÂź Reserve American Express CardSki & Travel Epic Pass Woodward Vrbo Kirkwood Etekcity Luggage ScaleAI Tools Gemini Claude ChatGPT Nano Banana Google Sites Bee Limitless Pendant Wispr Flow Deep PersonalityHome Gadgets Skylight Aura Frames Paprika Ratio Eight Series 2 Baratza FortĂ©âą BGHealth & Wearables Oura Ring WHOOP (â 1 month free) One Medical Blueberry Pediatrics (â $100)Money & Finance Mercury Copilot Money (free 2 months access with code HACKS2)ATH Podcast Ask Chris Anything! Newsletter #237: â How to Design a Rich Life at Any Income with Ramit Sethi #268: Stop Planning, Start Experimenting: A Science-Backed Approach to a Better Life with Anne-Laure Le Cunff Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Show Notes(00:00) Introduction(00:55) The Lost Clothes Disaster and A Surprisingly Good Outcome(14:30) What Ski Trips Are Really Like With Kids(15:06) This Ski Season vs. Last Ski Season(18:14) Smarter Ways To Book Houses for Ski Travel(19:03) How To Save Money on Checked Bags for Ski Trips(19:37) A Shoutout to the New Delta Sky Club in Terminal 2(20:07) When Itâs Better To Drive Instead of Fly(21:42) How Amy Has Been Redesigning Rooms in the House(23:22) Why AI Is Such a Powerful Tool for Home Design(23:54) Amyâs Step-by-Step Process for Redesigning a Room With AI(25:02) The AI Tools Amy Used and What Each One Did Best(29:51) Using AI To Find Better Furniture Ideas(32:38) How Much Money AI Saved vs. Hiring a Designer(34:18) New House Gadget: The Skylight Calendar(36:25) Why We Love the Ratio Coffee Machine Gen 2 and the Baratza Grinder(39:50) Oura Ring vs. WHOOP Band(42:53) Bee, Wearable AI, and the Future of Personal Memory(50:30) What It Looks Like To Integrate AI Deeply Into Daily Life(54:22) What We Learned Switching to a High-Deductible Health Plan(01:03:11) Best Practices for Combining Finances as a CoupleConnect with Chrisâ Newsletterâ | â Membershipâ | â Xâ | â Instagramâ | â LinkedInâ Editorâs Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.Learn more about your ad choices. Visit megaphone.fm/adchoices
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#269: Chris breaks down why he transferred >200k points for a transfer bonus and how to know when they're actually worth it. He also covers Hyatt's new award chart changes, the latest elevated welcome offers, and how he's using multiple AI agents to optimize his work and life.Link to Full Show Notes: https://chrishutchins.com/transfer-bonuses-hyatt-devaluation-aiPartner DealsCopilot Money: Free 2 months access to my favorite personal finance app with code HACKS2Fabric: Affordable term life insurance for you and your familyGusto: Free 3-month trial of the #1 payroll softwareMercury: Manage, move, and grow your moneyBilt Rewards: Earn the most valuable points when you pay rentFor all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/dealsResources MentionedAI Models & Assistants ChatGPT OpenClaw Gemini Claude | Claude CoworkOura RingOpenSnowGridfinityJAL USA CARDRove MilesTransfer Bonuses in March 2026 Citi â Wyndham: 25% bonus (ends 3/21) Amex â Avianca LifeMiles: 15% bonus (ends 3/28) Rove Miles â Japan Airlines: 50% bonus (ends 3/31) Capital One â Preferred Hotels: 30% bonus (ends 3/31)Massive Hyatt Points DevaluationCredit Cards Best Cards Page Robinhood Gold Card U.S. Bank Smartlyâą Visa Bilt Palladium Card (Rates and fees here) Delta SkyMilesÂź Gold Business American Express Card Delta SkyMilesÂź Platinum Business American Express Card Delta SkyMilesÂź Reserve Business American Express Card Hilton Honors American Express Card Hilton Honors American Express SurpassÂź Card The Hilton Honors American Express Business Card Hilton Honors American Express Aspire Card The Platinum CardÂź from American Express American ExpressÂź Business Gold Card The Business Platinum CardÂź from American ExpressWHOOP (1 month free here)Function HealthATH Podcast Ask Chris Anything! Newsletter Ep #265: I Built an AI Assistant That Works While I Sleep Ep #264: Deep Dive on Bilt Rewards and New Bilt 2.0 Cards Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Show Notes(00:00) Introduction(00:55) Chris's New AI Agent(04:00) How To Leverage Claude Cowork (06:14) How Chris Used AI to Build a New CardTool(08:52) The Future of The Internet (17:21) 3D Printing(18:39) Taking Advantage of Transfer Bonuses(21:56) Bilt Rent Day Transfer Bonuses(27:09) Rove Transfer Bonus to JAL & Other Bonuses(33:22) Hyatt's Massive Devaluation(38:54) How to Get More Points with Potential Devaluations(41:15) Welcome Offers on Delta Cards(45:12) Welcome Offers on United Cards(48:28) Welcome Offers on Hilton Cards(51:13) Welcome Offers on Southwest Cards(53:30) Cards with Big-Point Offers (54:13) Find the Latest Deals on the ATH Newsletter (54:45) Card-Linked Deals for Whoop and Function Health Connect with ChrisNewsletter | Membership | X | Instagram | LinkedInEditorâs Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.Learn more about your ad choices. Visit megaphone.fm/adchoices
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#268: Learn why setting big goals might actually be holding you back and what to do instead. Chris and Anne-Laure explore how to replace goal-setting with tiny, low-risk experiments that lead to more growth, more joy, and less burnout.
Anne-Laure Le Cunff is a neuroscientist, writer, and founder of Ness Labs, a learning community at the intersection of science and self-development. She is the author of Tiny Experiments and publishes a weekly newsletter on mindful productivity, creativity, and growth.
Link to Full Show Notes: https://chrishutchins.com/tiny-experiments-anne-laure-le-cunff/
Partner Deals
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Green Chef: 50% off on your first box + 20% off for two months with code 50ALLTHEHACKS
Superhuman: Free month of the fastest and best email with code ALLTHEHACKS
For all the deals, discounts and promo codes from our partners, go to: â chrishutchins.com/dealsâ
Resources Mentioned
Anne-Laure: Website | Newsletter | Instagram
Tiny Experiments
Ness Labs
ATH Podcast
Ep #256: The Easy Way to Build and Maintain Meaningful Relationships with Nick Gray
Leave a review: Apple Podcasts | Spotify
Email for questions, hacks, deals, and feedback: [email protected]
Full Show Notes
(00:00) Introduction
(01:01) The Problem with Setting Big Goals
(02:42) When Goal Setting Becomes Counterproductive
(03:41) Why Tiny Experiments Beat Goals
(06:07) The Missing Ingredients That Make Experiments Actually Work
(08:29) How an Experimental Mindset Rewires Your Brain
(10:11) How Anne-Laure Adopted an Experimental Mindset
(13:38) What Happened When Anne-Laure Redefined Success
(16:29) How to Run a Tiny Experiment
(18:22) Real-World Examples You Can Try Immediately
(20:10) Why Smaller Is Always Better When Starting Out
(22:28) How to Experiment Without Burning Out
(25:05) Tracking Both External Results and Internal Signals
(30:10) The Simple Weekly Review That Keeps Experiments on Track
(32:18) Balancing Experimentation With Actually Living Your Life
(35:45) Applying Experimentation to Financial Security
(39:33) The Real Reason We Over-Optimize
(42:15) When Optimizing Is Actually the Right Move
(46:09) Balancing Excitement With Long-Term Priorities
(50:12) Measuring Time Differently
(52:20) Simple Rituals for Getting Present
(53:25) Why Experimenting Publicly Accelerates Growth
(57:26) How to Run Your Very First Experiment
(59:26) Where to Find Anne-Laure and Her Work
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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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#267: Chris reviews his credit card lineup for 2026, sharing which cards he's keeping and canceling and why. He also covers how to evaluate annual fees, the best cards across major spending categories, and the apps he uses to stay on top of it all.Link to Full Show Notes: https://chrishutchins.com/whats-in-my-wallet-2026/Link to Cards Mentioned: https://chrishutchins.com/blog/whats-in-my-wallet-for-2026/Partner DealsMasterClass: Learn from the world's best with 15% offWispr Flow: Try effortless voice dictation for freeMercury: Manage, move, and grow your moneyGelt: Skip the waitlist on personalized tax guidance to maximize your wealthLMNT: Free sample pack of my favorite electrolyte drink mixFor all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/dealsResources MentionedCardTool App (Free access here)â Credit Card Holder Walletâ 1PasswordBlog Posts Premium Card Worksheet How to maximize your Hilton cards 6 reasons to avoid booking through an online travel agency Existing Bank of America relationship customers to keep status longerCredit Card Trackers CardPointers Pro (30% off here and 50% off here) CardRight Travel FreelyATH Podcast Best Cards Page CardTool App Membership Chrisâs Card Optimization Spreadsheet AMA: Submit A Question Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Show Notes(00:00) Introduction(02:42) 3 Key Reasons to Get A Credit Card(05:23) Chris' Credit Card Goals for 2026(08:31) Evaluating The Net Annual Fee of A Card(12:56) The Amex Card Stack(23:19) Co-Branded Marriott Cards(25:32) Co-Branded Hilton Cards(27:00) Co-Branded Delta Cards(28:12) The Amex Blue Card(30:34) A Popular Bank's Cards(33:10) World of Hyatt Business Card(33:30) Co-Branded Southwest & United Cards(40:41) More Cards From The Popular Bank(42:11) Capital One Venture Cards(45:17) Bank of America Card Stack(51:09) Alaska Atmos Cards(53:24) US Bank Cards(55:22) Citi Bank Cards(56:56) Wells Fargo Autograph Card(57:43) The Bilt Palladium Card(59:25) Assessing The Major Spending Categories(01:06:32) Cards for Amazon & Costco(01:07:13) The Best "Everything Else" Card(01:08:47) Chris's Takeaway on Credit Card Spending Categories(01:09:26) The Best Card Combos(01:13:00) Credit Card TrackersConnect with ChrisNewsletter | Membership | X | Instagram | LinkedInEditorâs Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.Learn more about your ad choices. Visit megaphone.fm/adchoices
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