#222: Discover how paying taxes with a credit card can unlock huge rewards—or even turn a profit. Chris also shares how he's handling the current market decline and shares practical tips for teaching kids about money, stacking card-linked offers, and using VPNs for big savings.

Link to Full Show Notes: https://chrishutchins.com/pay-taxes-with-credit-card-2025-musings

Partner Deals

Facet: Personalized Financial Planning + $250 enrollment fee waived

Storyworth: Share your mother's stories in a custom book (+ $10 off)

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

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

LMNT: Free sample pack of my favorite electrolyte drink mix

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

Resources Mentioned

Credit Cards

IRS Authorized Payment Providers: Pay1040 | ACI Payments

Business Payment Platforms: Plastiq | Melio

Flight Tracker: Flighty

CardPointers Pro: 30% off here

Rakuten: $30 bonus here

Savewise: 20% off with ALLTHEHACKS20

Kudos: $20 bonus here

Hyatt Offer: $100 Off Peloton

NordVPN

Ben Carlon’s Chart: 31 Years of Stock Market Returns

Wealthfront: Get $5k managed free and get a 0.5% APY boost

ATH Podcast

Full Show Notes

(00:00) Introduction

(02:20) Quick Reminder About Upcoming Tax Payments

(03:39) Why and When You Should Pay Taxes on Your Credit Card

(08:08) Paying Taxes on a Credit Card to Leverage Welcome Offers

(09:22) How to Maximize a Credit Card Welcome Bonus of 100K

(13:26) Three Tips from a Recent Trip to Colorado

(18:39) A Great Way to Teach Kids About Money and Make a Profit

(22:13) Stacking Offers to Get 30% Off Peloton Bikes

(28:07) How to Use a VPN to Find Better Deals

(29:55) Why It Might Be Cheaper to Pay with Different Currencies

(31:52) The Recent U.S. Stock Market Decline

(38:53) Chris' Personal Strategy for the 10% Market Drop

(40:50) The Importance of Diversifying Your Portfolio

(42:12) Tax Loss Harvesting and Why It's a Good Time to Consider It

Connect with Chris

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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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#221: The ultimate guide to credit reports and scores—how they’re calculated, what affects them, and proven ways to improve them. Specially, I'll cover how opening lots of credit cards impacts your credit. You'll also learn how to check your credit reports and scores for free, dispute errors, understand lender scoring models, protect your financial health, and more.

Link to Full Show Notes: https://chrishutchins.com/credit-reports-credit-scores

Partner Deals

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

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

Fabric: Affordable term life insurance for you and your family

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

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

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

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

Resources Mentioned

Credit Bureaus

Free Credit Report: AnnualCreditReport.com

Credit Monitoring: Credit Karma |  Experian

Credit Reporting Agencies

Free FICO Scores: myFICO | Experian

X Post on Couple’s Credit Card Journey

International Credit Data: Nova Credit

Business Credit Scores

Business Credit Data: Small Business Financial Exchange

Article: Understanding Business Credit Scores

ATH Podcast

Full Show Notes

(00:00) Introduction

(02:03) Quick Background of the Credit Report Industry

(04:54) What’s on Your Credit Report

(06:45) Soft vs. Hard Inquiries

(10:04) How to Request Your Credit Report for Free

(10:59) Filing for Disputes

(12:37) Freezing Your Credit, Fraud Alerts, and Credit Monitoring

(18:46) Credit Reporting Agencies

(24:06) How to Remove Your Personal Information Online

(26:24) Quick Overview of Credit Scores

(29:36) How Credit Scores Are Calculated

(35:33) FICO Score vs. Vantage Score

(38:12) Upcoming (Big) Changes to Credit Scores

(40:27) Where to Find Your Credit Scores

(42:00) Analyzing Chris' Credit Scores

(46:59) Two Main Factors That Impacted Chris’ Credit Score

(48:58) How the Points & Miles Game Impacts Credit Scores

(53:12) The Impact of Closing a Credit Card

(56:36) Ways to Improve Your Credit Score

(59:21) Adding an Authorized User to Your Credit Card

(1:01:59) How to Leverage Your International Credit Score

(1:02:53) Quick Overview of Business Credit Scores

Connect with Chris

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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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#220: Is chasing elite status worth it? Chris shares his journey of earning elite status with 8 hotel and airline loyalty programs for 2025, weighing the pros and cons amid recent devaluations. He also highlights listener stories showcasing over $100,000 in combined savings through smart points and miles strategies.

Link to Full Show Notes: https://chrishutchins.com/rethinking-elite-status-listener-wins

Partner Deals

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

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

LMNT: Free sample pack of my favorite electrolyte drink mix

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

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

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

Resources Mentioned

Bilt Air France-KLM Flying Blue Status Match

Marriott Free Breakfast Article

Marriott Secret Award Chart

Loyalty Point Hunters

Credit Cards

Automate Card-Linked Offers

Prenuvo: Get $300 off a whole body scan

TV Show Recommendations:

Free Unclaimed Money Site

Pic of Brandon at Lowe’s

ATH Podcast

Full Show Notes

(00:00) Introduction

(02:06) Quick Overview

(03:13) Southwest Airlines: A-List Status

(07:43) United and Delta Status

(11:16) Earning American Airlines Status

(13:58) The Perks of Marriott Elite Status

(19:55) Achieving Top-Tier Hyatt Status

(23:56) Hilton Honors Elite Status

(25:01) Is Chasing Status Actually Worth It?

(32:26) Leveraging Card-Linked Offers and Tools to Automate

(40:52) TV Show Recommendations

(41:53) How to Avoid Uber Fees Abroad

(42:16) Get Free Unclaimed Money From Your State

(44:26) Amazing Listener Wins

Connect with Chris

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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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#219: Learn every way to skip security lines, breeze through immigration, and save time at the airport. We cover the programs like TSA PreCheck, Global Entry, and CLEAR, as well as smart check-in tactics, must-have apps, and insider tricks to save time when you travel.

Leigh Rowan is the founder and CEO of Savanti Travel, a full-service travel management company. Prior to that, he was the COO of The Points Guy.

Link to Full Show Notes: https://chrishutchins.com/fast-track-airport-security-and-immigration-leigh-rowan

Partner Deals

Trust & Will: Get 15% off personalized, legally binding estate plans

Green Chef: 50% off your first meal kit + 2 months of free salad with code ALLTHEHACKSFREE

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

NetSuite: Free KPI checklist to upgrade your business performance

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

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

Resources Mentioned

Luggage Shipping

Airport Wait Time Trackers: MyTSA App | MiFlight

Reserve Airport Screening Times

Pre Approved Screening

Best Credit Cards That Offer Global Entry, TSA PreCheck And Clear

Appointment Scanner

Airport Concierge: CLEAR Ambassador Assist

Airport Lost and Found Retrieval: CLEAR Scout

Airport Lounge Membership: Priority Pass

Mobile Passport Control

E-Visas: Sherpa

APEC Business Travel Card

ATH Podcast

Full Show Notes

(00:00) Introduction

(02:11) How Early Should You Arrive at the Airport?

(05:08) Days and Times to Avoid the Airport

(06:41) The Most Efficient Ways to Check In

(11:13) How to Save Time at Airport Security

(14:53) Skipping the Line at Denver International Airport

(19:25) TSA Pre and Global Entry

(21:29) Easiest Way to Make a Global Entry Appointment

(24:53) CLEAR: How It Works and How to Get It for Free

(27:52) Extra Perks You Get with CLEAR

(30:23) CLEAR, Pre-TSA, and Global Entry for Children

(35:43) The First-Class Terminal and Private Lounge Experience

(40:44) Quick Recap

(41:42) How to Leverage Airport Greeters

(44:59) Boarding Tips and Tricks

(47:38) Passing Through Immigration

(50:12) Why You Should Upgrade to a Biometric Passport

(51:45) The Importance of Travel Authorization (Visa)

(54:29) Is Sitting in Front of the Plane Actually Worth It?

(55:26) The APEC Business Travel Card

(1:00:05) Return Tickets for International Travel

(1:01:44) Cheapest Airport Tip: Always Carry a Pen

Connect with Chris

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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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#218: Learn to redefine financial freedom by aligning your life with what you truly love. We dive deep into why setting limits can actually create more freedom, how to define what “enough” means for you, the role of entrepreneurship in building a fulfilling life, and more.

Grant Sabatier is an entrepreneur, investor, podcaster, and bestselling author of Financial Freedom and Inner Entrepreneur. He is also the founder of Millennial Money (acquired by The Motley Fool) and Clintonville Books, a rare bookstore in Columbus, Ohio.

Link to Full Show Notes: https://chrishutchins.com/financial-freedom-grant-sabatier

Partner Deals

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

LMNT: Free sample pack of my favorite electrolyte drink mix

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

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

Fabric: Affordable term life insurance for you and your family

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

Resources Mentioned

Grant: Website | X

U.S. Mobile Unlimited Plan

Replit

The Daily Churn Podcast

The Atlantic Article: The Anti-Social Century

ATH Podcast

Full Show Notes

(00:00) Introduction

(02:18) Grant's Evolving Definition of Freedom

(04:57) How to Set Limits in Your Day-to-Day Life

(08:52) How Limits Apply to Different People

(18:16) Why Grant Recommends Meditation to Everyone

(21:06) Finding Your Peace

(25:52) How to Define and Find What "Enough" Is

(27:47) Why Grant Writes for His Younger Self

(34:13) How to Decide Whether to Save More or Earn More

(39:51) Balancing the Paradox of Life

(45:21) How to Find Your Inner Entrepreneur

(54:10) Importance of Community in the Entrepreneurial Journey

(56:48) Where to Find Grant and His Work

Connect with Chris

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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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#217: From the best AI tools to takeaways from losing a home in the LA fires, we dive deep into strategies for optimizing home insurance, the benefits of rope training and saunas, how think about where to live, and more listener questions.

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

Link to Full Show Notes: https://chrishutchins.com/kevin-rose-ama-2-ai-tools-wildfires-fitness



Partner Deals

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

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

Facet: Personalized Financial Planning + $250 enrollment fee waived

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

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

Kevin Rose: Community Forum | Newsletter

Digital Thermometers

Haven Sauna

Trumpkin’s Notes On Building A Sauna

Rope Training YouTube Video

AI Tools

ATH Podcast

Full Show Notes

(00:00) Introduction

(02:16) How Kevin Generally Spends His Day

(04:28) Saunas: Impact and How to Efficiently Operate

(08:55) Rope Training and Exploring New Ideas

(11:46) ChatGPT Hack

(17:26) Kevin's Current AI Tool Stack

(24:27) The Impact of AI Tools on Consumer Apps

(28:09) Tools That Chris Uses

(30:57) AI Tools for Podcasts and Note-Taking

(37:53) Key Takeaways From the Recent L.A. Fires

(47:27) Chris and Kevin's Favorite Physical Items or Purchases

(50:00) Why You Should Record Your Belongings Every 6 Months

(52:55) How Chris and Kevin Evaluate Where to Live

(59:52) Ways to Stay Grounded and True to Yourself

Connect with Chris

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

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#216: Unlock the power of purpose and friendship with Simon Sinek. Learn how to find your ‘why,’ strengthen your friendships, and master the human skills that truly matter.

Simon Sinek is a globally recognized author, speaker, and thought leader on leadership, purpose, and human connection. His work, including his book Start with Why, has inspired millions to discover their purpose and foster meaningful connections in their lives

Link to Full Show Notes: https://chrishutchins.com/simon-sinek-purpose-friendship-human-skills

Partner Deals

LMNT: Free sample pack of my favorite electrolyte drink mix

Fabric: Affordable term life insurance for you and your family

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

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

Simon: Website | Instagram | LinkedIn

Books

Full Show Notes

(00:00) Introduction

(01:46) Why It’s Important to Have a 'Why' in Your Life

(02:53) The Distinct Difference Between Purpose and Goals

(04:41) The Friends Exercise to Find Your 'Why'

(08:36) Why Friendships Are the Ultimate Biohack

(13:08) The Impact of Friendships: In-Person vs. Virtual

(18:54) Is There an Ideal Number of Friendships to Have?

(20:30) Why Women Are Better at Being Friends

(22:49) How to Truly Be There for a Friend: Get in the Mud

(25:29) The Importance of Learning Human Skills

(28:29) The Social Benefits of Meditation

(31:28) Understanding Humans as Legacy Machines

(33:25) Why We Shouldn’t Undervalue Friendships

(37:16) Embracing Accountability in Friendships

(45:56) How to Get Better at Making Friends

(50:40) How Parents Can Help Their Kids Make Friends

(52:16) Tricks to Improve Your Empathy

(58:01) Where to Find Simon

Connect with Chris

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

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#215: Learn to save thousands on medical care abroad. We cover common misconceptions, vetting doctors and hospitals, key mistakes to avoid, and the best destinations for top procedures. Josef Woodman is the CEO of Patients Beyond Borders and has spent the past 16 years researching and vetting international options for quality, affordable medical care.

Link to Full Show Notes: https://chrishutchins.com/medical-travel-savings-josef-woodman

Partner Deals

NetSuite: Free KPI checklist to upgrade your business performance

Trust & Will: Get 15% off personalized, legally binding estate plans

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

Green Chef: 50% off your first meal kit + 2 months of free salad with code ALLTHEHACKSFREE

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

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

Resources Mentioned

Josef: Patients Beyond Borders | Book

List of JCI-Accredited Organizations

Medical Travel Agencies

Full Show Notes

(00:00) Introduction

(01:53) The Most Common Misconceptions About Medical Travel

(04:43) Why Should Someone Consider Medical Travel?

(07:16) Why Medical Costs Are Cheaper Abroad

(10:02) The Quality of Doctors and Hospitals

(13:40) Types of Procedures People Should Consider (or Not) for Medical Travel

(16:10) Transferring Medical Records Back to the Home Country

(22:06) Treatments That Are (Surprisingly) Not Great for Medical Travel

(24:15) JCI Accreditation and Its Importance

(26:42) How Medical Travel Agencies Work

(34:34) Consulting Your Home Doctor for Medical Travel

(40:04) Cheaper Options for Executive Physicals

(43:30) Things to Look For When Selecting a Doctor for Treatments

(44:57) How to Plan for Your Medical Trip

(47:23) Why Josef Advises Against Organ Transplants Abroad

(49:04) What Kind of Travel Insurance Is Needed for Medical Travel

(50:17) Common Mistakes Made by First-Time Medical Travelers

(51:44) How Much Buffer Time Is Needed for Medical Travel

Connect with Chris

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

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#214: Chris reveals the top cash back credit cards in 2025 to maximize your rewards. He also goes deep on leveraging signup bonuses to earn up to 20% back on all your spending.

Link to Full Show Notes: https://chrishutchins.com/cash-back-credit-cards-2025

Partner Deals

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

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

LMNT: Free sample pack of my favorite electrolyte drink mix

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

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

Credit Cards: Best Cards Page | Chris’ Credit Card Optimizer Tool

Bank of America Preferred Rewards

U.S. Bank Real-Time Rewards

How to Get Approved for Business Cards

All the Hacks Podcast

Full Show Notes

(00:00) Introduction

(02:00) Quick Overview

(04:12) The 4% Cash Back Card From U.S. Bank

(08:01) Update on the U.S. Bank Altitude® Reserve Visa Infinite® Card

(10:57) Robinhood Gold Card for 3% Cash Back

(15:54) The Discover Card for Miles

(17:57) Rewards on Bank of America Cards

(20:33) Perks and Cons of Bank of America Cards

(28:04) Alliant Credit Union’s Cash Back Card

(32:19) Quick Comparison of the Cash Back Cards

(33:26) Chris' Card Optimizer Tool

(37:38) How to Value Points

(39:07) Leveraging Credit Card Welcome Offers

(41:15) All the Hacks Membership Perks

(43:15) Chris' Analysis of Welcome Offers

(46:35) The Big Final Takeaway

Connect with Chris

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

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#213: Master the 5 types of wealth to lead a more fulfilled life. Sahil Bloom shares strategies and tactics to regain build lasting financial freedom, invest in your health, control of your time, deepen your relationships and enhance mental clarity.

Sahil Bloom is the author of 5 Types of Wealth and writer of The Curiosity Chronicle, a popular weekly newsletter that provides actionable ideas to help build a high-performing, healthy, wealthy life. He is also an investor and runs a venture fund called SRB Ventures.

Link to Full Show Notes: https://chrishutchins.com/5-types-of-wealth-sahil-bloom

Partner Deals

Kick: 20% off your first year of self-driving bookkeeping

Facet: Personalized Financial Planning + $250 enrollment fee waived

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

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

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

Sahil Bloom: Website | Newsletter | X

5 Types of Wealth

Books

Personal CRM Apps: Clay | Dex

All the Hacks Membership

Full Show Notes

(00:00) Introduction

(02:03) Fundamentals of Time Wealth

(06:02) Ways to Take Control of Your Time

(09:50) How to Prioritize the Types of Wealth

(12:51) What Is Social Wealth?

(14:30) Managing Social Wealth When You Have Kids

(19:30) Why You Should Map Out Your Relationships

(23:06) What Most People Get Wrong About Social Wealth

(24:13) Sahil's Favorite Social Wealth Hacks

(26:35) Understanding Mental Wealth

(28:15) Why Your Work Doesn't Have to Be Your Ultimate Purpose

(34:34) The Role of Stress, Anxiety, and Burnout in Mental Health

(37:25) The Importance of Physical Health

(40:12) The Different Levels of Physical Health

(42:30) The Default Type: Financial Wealth

(44:09) Key Factors That Promote Financial Wealth

(48:35) How to Measure Your Wealth Score (With and Without a Partner)

(53:28) The Impact of Improving Your 5 Types of Wealth

Connect with Chris

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

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