#252: Chris and Nick share strategies to make family travel affordable and stress-free with points and miles. They cover how to find multiple award seats, book business class for families, and their best tips for traveling with kids, from managing jet lag and delays to finding family-friendly hotels, must-have travel gear, and more.

Nick Reyes is a writer at Frequent Miler and co-host of the Frequent Miler On The Air podcast. He is an avid traveler who's been to 60+ countries and loves collecting points and miles.

Link to Full Show Notes: https://chrishutchins.com/family-travel-nick-reyes

Partner Deals

Upwork: Free job posting to find, hire, and pay top freelance talent

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

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

Mercury: Help your business grow with simplified finances

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

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

Resources Mentioned

Nick Reyes: Frequent Miler | X | Podcast

Grand Hotel Victoria on Lake Como

ZIPAIR

RideSafer Travel Vest

Mobile Passport Control (MPC)

HotelTonight

AutoSlash

ABCmouse

Travel Strollers: Babyzen Yoyo | gb Pockit

ATH Podcast

Full Show Notes

(00:00) Introduction

(00:58) What People Get Wrong About Families Traveling Using Points

(02:53) Nick's Luxury Family Trip to Europe with Points

(06:30) Things to Consider When Booking Multiple Award Seats

(09:45) Booking Award Seats in Economy vs. Premium Economy

(13:55) Flying in Business Class with Kids

(17:55) Splitting Up the Family in Different Award Flights

(20:29) Buying Extra Economy Seats for More Space

(23:27) Prioritizing Sleep on International Flights

(28:43) Nick's Approach to Jet Lag

(30:47) Airline Discounts for Kids

(33:41) How Lap Infant Pricing Works

(36:36) The Best Airlines for Traveling with Kids

(39:08) Pooling Airline Miles with Children

(41:50) Leveraging Companion Passes/Fares for Family Travel

(45:06) Using Carry-On Vs. Checking Bags with Kids

(46:19) Accessories for Traveling with Young Kids

(50:28) Managing Delays and Other Irregularities When Traveling with Kids

(53:16) Why Lounge Access Is a Game Changer

(55:05) Fast Tracking Airport Entry with Kids

(57:11) Tactics Nick Uses to Book Hotels Internationally for His Family

(01:01:08) Booking Rooms with Points vs. Cash

(01:04:07) Emailing Your Hotel for an Upgrade

(01:05:44) Benefit of Having Kids Clubs at Hotels and Resorts

(01:07:53) Tips and Tricks to Book Vacation Rentals

(01:09:54) Transportation Tips When Traveling with Kids

(01:12:55) How Cruises Changed Nick's Travel Game

(01:17:31) Other Family Travel Tips & Tricks

(01:20:40) Planning Activities Around Your Kids' Interests

(01:23:07) Unusual Must-Haves for Trips with Kids

(01:25:22) Top Kid-Friendly Travel Destinations

(01:27:42) Where to Find Nick & His Work

Connect with Chris

Newsletter | Membership | X | Instagram | LinkedIn

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

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#251: Discover why Stoicism matters more than ever and how to make it part of your daily life. We share practical ways to focus on what you can control, build resilience, and cultivate the four Stoic virtues: courage, self-discipline, justice, and wisdom.

Ryan Holiday is a bestselling modern philosopher and author of The Daily Stoic, The Obstacle Is the Way, Ego Is the Enemy, and Stillness Is the Key. His books on Stoic virtues have sold over 10 million copies in 40+ languages. He’s also the founder and host of The Daily Stoic podcast.

Link to Full Show Notes: https://chrishutchins.com/ryan-holiday-mastering-stoicism

Partner Deals

Mercury: Help your business grow with simplified finances

LMNT: Free sample pack of my favorite electrolyte drink mix

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

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

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

Ryan: The Daily Stoic | Podcast | YouTube

The meditations of Marcus Aurelius

Letters from a Stoic by Seneca

The Dialogues of Plato

Old Enough! TV Show

Full Show Notes

(00:00) Introduction

(01:06) What Is Stoicism?

(02:42) Is Stoicism Relevant in Today’s Society?

(04:59) The Journey of Becoming a Stoic

(07:42) Why Humans Don’t Like to Do the “Hard” Things

(13:34) The Importance of Putting Your Impressions to the Test

(17:42) The Reason Humans Are Never Satisfied

(20:41) How the Stoics View Happiness

(23:22) Where to Draw the Line Between Things in Your Control vs. Not

(29:30) Why It’s Important to Pause and Reflect

(32:56) The Four Stoic Virtues

(35:15) How Ryan Applies Discipline to His Life

(37:46) Stillness Unlocks Elite Performance, Happiness, and Self-Awareness

(39:09) Why Ryan Doesn’t Like Watching the News

(41:24) Can You Have Fun as a Stoic?

(43:18) Ranking the Stoic Virtues

(44:16) How Can We Be More Courageous in Our Daily Lives?

(46:50) Instilling Courage in Your Kids

(50:47) The Role of Justice in Stoicism

(53:27) Approaching Wisdom as a Method

(55:15) How Can Someone Gain More Wisdom?

(57:39) Experiencing Emotions as a Stoic

(01:00:08) The First Step Toward Stoicism

(01:01:02) Where to Find Ryan and His Work

Connect with Chris

Newsletter | Membership | X | Instagram | LinkedIn

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

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#250: Chris dives into listener questions, covering open enrollment, investing, buying gold, life and auto insurance, RSUs, practical ways to leverage AI tools and more.

Link to Full Show Notes: https://chrishutchins.com/open-enrollment-AMA-2025

Partner Deals

Fabric: Affordable term life insurance for you and your family

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

Gusto: Free 3-month trial of the #1 payroll software

DeleteMe: 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: chrishutchins.com/deals

Resources Mentioned

PEOs: TriNet | Justworks

Insurance Broker: Rich Sterling

Productivity/AI Tools

Mesa Homeowners Card (50k bonus with code CHRIS50)

$1,200 U.S. Bank Bonus

ATH Podcast

Full Show Notes

(00:00) Introduction

(00:30) Quick Episode Overview

(01:22) How to Select Your Insurance Plan

(05:19) Saving with a High Deductible Health Plan

(14:19) Tips for Specific Drugs and Providers

(15:27) Dental and Vision Plans

(17:17) Benefits of FSAs

(19:10) Getting Health Insurance Outside of an Employer

(21:08) Getting Insurance for Your Business

(23:20) Insurance via Medical Research Companies and Affinity Groups

(24:52) Direct Primary Care

(25:48) Reimbursing Medical Expenses Charged on a Credit Card

(30:45) Diversification in an Incredibly High Stock Market

(36:20) Investing in Precious Metals: Gold & Silver

(40:55) Strategy for Handling RSU Compensation

(43:35) Variable Universal Life Policy

(48:05) The Rise in Auto Insurance Premiums Following an Accident

(55:22) Buying A Used vs. New Car

(58:06) Chris's Favorite Work Tools Including AI

(01:02:07) Is AI an Actual Threat to Our Jobs?

(01:04:26) Chris's Pre and Post W2 Job Experience

(01:06:50) Find the Best Deals on the ATH Newsletter

(01:10:53) The Next Gift Card Sale

Connect with Chris

Newsletter | Membership | X | Instagram | LinkedIn

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

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#249: 3x your points and miles with a multiplayer strategy. We break down how to earn, manage, and maximize rewards with a partner, family, or friends. Plus learn how to handle the logistics, emotions, and systems that make it all work.

Kai is the founder and host of The Daily Churn Podcast, where he shares his churning journey. In 2024, Kai and his partner earned a total of $40,000 and 5 million points.

Link to Full Show Notes: https://chrishutchins.com/playing-the-points-game-with-player-2-kai

Partner Deals

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

Mercury: Help your business grow with simplified finances

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

LMNT: Free sample pack of my favorite electrolyte drink mix

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

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

Resources Mentioned

Kai: The Daily Churn Podcast | Membership

Monarch Money

Copilot Money (Free 2 months with code HACKS2)

How to Automatically Forward iMessages & Texts to Other Contacts Using Shortcuts

1Password

Google Voice

Tello eSIM

Aligned Incentives

Cashback Monitor

Rakuten

CardPointers (30% off or 50% off for ATH Members)

Replit

Churning While New To Credit

Helping Tim Burn 15M+ Miles and Points

ATH Podcast

Full Show Notes

(00:00) Introduction

(00:49) How Kai and Chris’ Partners View the Points and Miles Game

(03:56) Is Playing the Points Game Actually More Lucrative with P2?

(06:26) Maximizing Credit Cards with Two Players

(08:36) Should You Have Authorized Users on Your Cards with P2?

(14:01) The Mechanics of Managing a P2

(15:28) Ways to Access Shared Passwords and Two-Factor Codes

(18:38) Important Conversations to Have with Your P2

(21:10) Playing the Points Game for Other People

(26:05) The Challenges of Managing Points for Others

(31:12) Managing Points for Family Members

(33:51) Playing the Points Game with Children

(35:14) Easing the Burden of Dealing with Card Issuers with a P2

(39:38) The Spectrum of Activities with Multiple Players

(40:52) Leveraging Referrals and Shopping Portals to Maximize Savings with P2

(43:33) Learning to Stop Over-Optimizing

(45:28) Kai’s Podcast and Churning Community

(47:01) Why Your Address Matters in the Points Game

(47:34) Managing 1099s from Referral Points

(49:02) Tips on Adding Authorized Users

(49:45) The Importance of Community in the Points Game

(51:13) How to Share Referral Links on ATH Membership

Connect with Chris

Newsletter | Membership | X | Instagram | LinkedIn

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

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#248: Learn to escape the trap of over-optimizing and design a more meaningful life. We explore setting boundaries, resetting priorities, and turning failure into fuel for success. We also dive into Tim’s creative process behind his new card game and the surprising value of play.

Tim Ferriss is an entrepreneur, bestselling author, and host of The Tim Ferriss Show, one of the world’s most popular podcasts with over a billion downloads. He loves experimenting with productivity, health, storytelling, personal growth, and, most recently, card games.

Link to Full Show Notes: https://chrishutchins.com/tim-ferriss-over-optimizing-failure-play

Partner Deals

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

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

NetSuite: Free KPI checklist to upgrade your business performance

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

Mercury: Help your business grow with simplified finances

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

Resources Mentioned

Tim: Website | Podcast | X

Terry Real’s Books

Stumble Upon

Diggnation

Personal Power by Tony Robbins

Secrets of Power Negotiating by Roger Dawson

AcroYoga

Exploding Kittens

Think Like a Game Designer Podcast

Procreate

ATH Podcast

Full Show Notes

(00:00) Introduction

(00:45) When Tim Realized That Optimization Could Bend Life in His Favor

(06:40) The Role of Patience in Optimization

(08:14) Dialing Back on Optimizing

(11:23) Do Relationships Require Less Optimization?

(16:45) Fighting Natural Tendencies for a Better Life

(19:57) The Impact of Journaling

(23:42) Does Tim Still Find Himself Over-Optimizing?

(25:14) The 3 Levels of Listening

(29:47) Designing for States

(31:40) Different Lenses for Optimization

(36:28) The Optimizer Curses

(40:53) How to Avoid Decision Fatigue

(45:32) Being Rich Enough to Rent

(48:37) Knowing When to Say “Yes or “No”

(55:35) Active vs. Passive Intuition

(01:01:40) How Decisions Get Influenced When You Have Kids

(01:08:01) Is "Play" a State to Aim For?

(01:13:38) Incorporating Play in Adulthood

(01:18:13) The Process of Creating a New Card Game

(01:28:18) The Next Big Project for Tim

(01:30:53) Humans as Storytellers

(01:34:10) Where to Find Tim & His Work

Connect with Chris

Newsletter | Membership | X | Instagram | LinkedIn

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

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#247: Chris dives into Bank of America’s credit card lineup and why he has 5 different BoA cards right now. He'll go over how the Preferred Rewards program can help you earn unlimited 3.3% back on everything. Finally, he also covers approval rules, credit limits, unique perks like free museum access, and more.

Link to Full Show Notes: https://chrishutchins.com/bank-of-america-preferred-rewards

Partner Deals

Gusto: Free 3-month trial of the #1 payroll software

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

Fabric: Affordable term life insurance for you and your family

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

Copilot Money: 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: chrishutchins.com/deals

Resources Mentioned

Chris’ Best Cards Page

Mesa Homeowners Card (code: CHRIS50)

BoA Cards: Tier List

Other Cards

Frequent Miler: Guide to Ultra-Premium Credit Card Travel Protections

Rakuten: $50 bonus here

BoA: Museums on Us | BankAmeriDeals

ATH Podcast

Full Show Notes

(00:00) Introduction

(01:29) Quick Episode Overview

(03:21) BoA Preferred Rewards Program

(06:00) Customized Cash Rewards Card

(08:28) Customized Cash Rewards Card Variations

(13:18) Unlimited Cash Card

(15:50) Travel Rewards Card

(18:02) Premium Rewards Card

(24:54) Travel Benefits on the BoA Premium Cards

(26:25) Atmos Rewards Ascent Card

(32:24) Atmos Rewards Summit Card

(35:10) Valuing Companion Awards

(39:41) Free Spirit Travel More World Elite MasterCard

(41:03) Allegiant Always Rewards Card

(42:08) Air France KLM World Elite MasterCard

(44:26) BoA’s Cruise Cards

(45:03) Business Card Eligibility

(47:12) Business Customized Cash Card

(51:04) Business Unlimited Cash Card

(52:21) Business Travel Rewards Card

(55:41) Atmos Rewards Business Card

(57:59) Applying for BoA Cards

(59:13) 5 Consumer Card Limit

(60:48) BoA Nuances to Keep in Mind

(01:02:13) Credit Limits

(01:03:00) BankAmeriDeals

(01:04:07) Free Museum Access

(01:05:06) Summary

Connect with Chris

Newsletter | Membership | X | Instagram | LinkedIn

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

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#246: Today we explore contrarian takes on budgeting, the 4% rule, retirement planning, and the risks of blindly investing in bonds. We also cover strategies for investing, spending, and rethinking how to use money with purpose.

Tyler Gardner is a personal finance creator, educator, and former portfolio manager who’s built a following by challenging conventional money wisdom. He's also the host of Your Money Guide on the Side.

Link to Full Show Notes: https://chrishutchins.com/rethinking-personal-finance-tyler-gardner

Partner Deals

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

LMNT: Free sample pack of my favorite electrolyte drink mix

Mercury: Help your business grow with simplified finances

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

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

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

Resources Mentioned

Tyler: Podcast | Instagram | TikTok

Bill Perkins: Die With Zero: Getting All You Can from Your Money and Your Life

ATH Podcast

Full Show Notes

(00:00) Introduction

(00:54) The True Purpose of Wealth

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

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

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

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

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

(25:51) How People in Iceland Approach Careers

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

(31:48) Pursuing a Portfolio Career

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

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

(42:29) The Problem of Inheriting Money Scripts

(45:35) Ways to Overcome Frugality

(49:57) Tyler's View on Budgeting

(54:28) How to Think About Taking Risks

(57:38) Monte Carlo Scenarios

(01:02:26) The Coast FIRE Movement

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

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

(01:12:38) Important Investing Lessons

(01:13:56) Where to Find Tyler

Connect with Chris

Newsletter | Membership | X | Instagram | LinkedIn

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

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

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

Partner Deals

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

Fabric: ⁠Affordable term life insurance for you and your family

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

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

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

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

Resources Mentioned

Credit Cards

Expert Points Valuations

Award Search Tools

Award Ticket Change and Cancellation Fees

ATH Podcast

Full Show Notes

(00:00) Introduction

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

(04:06) The Different Types of Points

(06:04) Unlocking Value With Transfer Bonuses

(07:58) Fake Points and What to Avoid

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

(10:12) Comparing Points vs. Cash Back

(13:26) Quick Episode Overview

(14:38) Calculating the Floor Value of Points

(16:47) Expert Points Valuation

(19:26) Tools and Data for Valuing Points

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

(24:27) Flight and Hotel Redemption Takeaways

(29:33) Leveraging Gondola to Book Hotels

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

(34:17) Why Hotel Points Still Hold Value

(35:12) Minimums, Maximums, and Ranges

(36:20) How to Calculate Your Personal Value

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

(44:06) Key Caveat of Award Redemptions

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

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

(52:46) The Bottom Line on Buying Points

(53:31) How to Value Transferable Points

(55:17) The Psychology Behind Buying Points

(56:34) Leveraging Chris’ Card Optimizer Tool

(58:54) Earning Points Across Other Major Categories

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

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

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

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

Connect with Chris

Newsletter | Membership | X | Instagram | LinkedIn

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

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

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

Partner Deals

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

NetSuite: Free KPI checklist to upgrade your business performance

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

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

LMNT: Free sample pack of my favorite electrolyte drink mix

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

Resources Mentioned

Credit Cards

Blog Posts

Award Search Tools

Costa Rica

Carmel Valley Ranch: Little Ranchers | River Ranch

Alila Ventana Big Sur Hotel

Buy World Of Hyatt Points For 20% Off

Elemental Movie

ATH Podcast

Full Show Notes

(00:00) Introduction

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

(01:53) How Hilton Free Night Certificates Work

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

(04:13) Planning the Trip to Costa Rica

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

(09:40) Ways to Earn Hilton Status

(13:48) Stacking Amex and Hilton Credits

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

(19:35) Renting Cars in Costa Rica

(20:55) The Flight Experience

(22:16) Adobe Car Rental Review

(23:03) Waldorf Astoria Costa Rica Overview

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

(30:09) Resort Layout, Pools & Amenities

(33:16) Our Sensoria Rainforest Excursion

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

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

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

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

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

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

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

(54:08) Hyatt Brand Explorer Program

(54:37) The Experience at Carmel Valley Ranch

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

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

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

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

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

Partner Deals

Mercury: Help your business grow with simplified finances

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

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

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

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

Resources Mentioned

Michael Kitces: Website | Focus Partners Wealth | XYPN

Blog Posts

72t Distribution Calculator

ATH Podcast

Full Show Notes

(00:00) Introduction

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

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

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

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

(16:19) How to Think About Emergency Savings

(18:06) Choosing the Best Retirement Accounts

(24:21) Reimbursing Medical Expenses via HSA

(27:02) Evaluating the Core Retirement Accounts

(29:19) Nuances of the Backdoor Roth IRA

(30:53) Traditional vs. Roth IRA

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

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

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

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

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

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

(48:35) Tackling the Account Sequencing Problem

(52:16) Leveraging Charity for Tax Deductions

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

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

Connect with Chris

Newsletter | Membership | X | Instagram | LinkedIn

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

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