#237: Start living your rich life today regardless of your income. Learn how to spend without guilt, track the four key financial numbers that matter most, harness the power of decisiveness, and avoid the common traps that hold people back as their income grows.

Ramit Sethi is a personal finance expert and the NYT bestselling author of I Will Teach You to Be Rich. He hosts the popular Netflix show, How to Get Rich, and the Money for Couples podcast.

Link to Full Show Notes: https://chrishutchins.com/guilt-free-rich-life-ramit-sethi

Partner Deals

LMNT: ⁠⁠Free 8-count sample pack of my favorite electrolyte drink mix

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

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

Quince: Affordable luxury essentials with free shipping + 365 day returns

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

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

Resources Mentioned

Ramit Sethi: Website | X | Instagram

ATH Podcast

Full Show Notes

(00:00) Introduction

(02:23) How Much Money Do You Actually Need to Live a Rich Life?

(04:25) Identifying Money Dials to Live a Rich Life

(06:16) The Four Key Numbers You Need to Track Your Finances

(12:02) How to Learn the Skill of Spending Money

(17:58) Ways to Reframe How You Look at Costs

(23:02) Analyzing How Optimizers Spend

(26:37) Why It's Important to Find Your Worry-Free Number

(28:38) Spend Money Based on the Stage You’re in Life

(34:48) The Role of Income (& Side Hustles) in Your Rich Life

(38:41) Why You Have to Be Honest About Your Rich Life

(40:25) Tackling Big Financial Decisions

(43:27) Why Ramit Thinks Lifestyle Creep Is a Myth

(45:04) How Chris and Amy Decided to Sell Their Vacation Home

(48:13) The Power of Being Decisive and How to Build the Skill

(54:56) Biggest Traps People Face When Moving Up the Wealth Ladder

(58:40) How AI Has Impacted the Way People Manage Their Finances

(1:01:17) Ramit's Challenge for You to Live Your Rich Life

(1:03:34) Where to Find Ramit, His Book, and Other Work

Connect with Chris

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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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#236: Chris reviews and ranks the full American Express lineup of 30+ cards. He also breaks down Membership Rewards, transfer partners, approval rules, card-linked offers, unique perks, and more.

Link to Full Show Notes: https://chrishutchins.com/amex-cards-membership-rewards-points

Partner Deals

Kick: 50% off your first year of self-driving bookkeeping w/ code CHRIS

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

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

NetSuite: Free KPI checklist to upgrade your business performance

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

Resources Mentioned

Best Cards Page

Amex Cards Tier List

Membership Rewards Cards

Cash Back Cards

Delta Cards

Hilton Cards

Marriott Cards

CardPointers Pro: 30% off here or 50% off for ATH Members

Free point.me for American Express Membership Rewards® points

Co-Branded Marriott Card Eligibility Rules

Tim Ferriss Ep #815: Helping Tim Burn 15M+ Miles and Points, Flipping Costco Gold Into Five-Star Trips & More

ATH Podcast

Full Show Notes

(00:00) Introduction

(01:52) Quick Episode Overview

(04:29) Amex Green Cards

(07:30) Amex Personal Gold Card

(11:32) Amex Business Gold Card

(15:01) Amex Platinum Cards

(19:24) Perks & Benefits on the Platinum Cards

(25:19) Platinum Card Variations

(29:38) Business Platinum Card

(38:05) Centurion Cards

(42:05) Blue Business Plus

(43:45) Amex Cash Back Cards

(49:19) Delta Cards

(1:03:10) Hilton Cards

(1:11:37) Marriott Cards

(1:22:17) Amazon Cards

(1:23:39) Leveraging Card-Linked Offers

(1:25:47) Notable Benefits of Amex Cards

(1:29:48) General Business Card Perks & Benefits

(1:30:30) Rental Car Coverage

(1:31:46) Credit Limits on Amex Cards

(1:32:19) Membership Rewards

(1:35:00) Amex Airline & Hotel Transfer Partners

(1:37:32) How to Move Membership Rewards Points

(1:38:21) Rules for Opening Amex Cards

(1:41:34) Reasons to Love or Dislike Amex

(1:45:26) The Best Amex Two-Card Combo

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#235: Chris shares his personal 10-step money allocation framework to help prioritize savings, investments, and financial flexibility. He also dives into advanced strategies for tax optimization, liquidity, and real-world application through listener questions.

Link to Full Show Notes: https://chrishutchins.com/10-step-money-allocation-framework

Partner Deals

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

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

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

LMNT: Free 8-count sample pack of my favorite electrolyte drink mix

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

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

Resources Mentioned

Brian Feroldi’s Emergency Fund Size Formula

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

Daffy: Get free $25 for charity here

Direct Indexing: Frec

ATH Podcast

Full Show Notes

(00:00) Introduction

(02:03) Quick Episode Overview

(03:37) Step 1: Operating Cash

(05:14) Step 2: Employer Match

(06:21) Step 3: Urgent Debt Payoff

(07:56) Step 4: Safety Net

(11:49) Step 5: Short-Term Goals Fund

(13:30) Step 6: Debt Review

(15:44) Step 7: Tax-Advantaged Investing

(21:38) Step 8: Brokerage Investing

(30:16) Step 9: Education Investing

(31:23) Step 10: Optional Debt

(32:48) Why You Should Prioritize Liquidity

(37:51) Types of Alternative Cash Savings

(40:48) The Margin Call

(43:28) Listener Q1: Strategy for Using Money from House Sale

(47:07) Listener Q2: How to Leverage Tax-Loss Harvesting

(50:35) Listener Q3: Effective Ways to Manage Your Investment Portfolio

(55:00) Listener Q4: Thoughts on Financial Advisors

Connect with Chris

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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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#234: In this bonus episode, Chris discusses the new Mesa Homeowners Card, some new big welcome bonuses, card and hotel program devaluations, two new points promotions, free summer activities and more.

Link to Full Show Notes: ⁠⁠https://chrishutchins.com/card-news-promos-and-more-june-2025⁠

Resources Mentioned

Mesa Homeowners Card 5,000 Point Offer (or code FCRGNB)

Amex Platinum: Up to 175k Bonus

Amex Gold: Up to 100k Bonus

⁠Major Card Refresh (100k/200k Bonus)⁠

Coinbase One 4% Card

Venture X Lounge Changes

Hilton Devaluation

Free Uber One for Delta Cards

Hyatt Peloton Promo

Plastiq Personal Payment Options

Kids Bowl Free

Free National Park Days

Bank of America Free Museum Days

Full Show Notes

(00:00) Introduction

(00:56) Mesa Homeowners Card

(06:49) New Amex Personal Card Bonuses

(09:19) Card Refresh + New Bonuses

(15:37) New Coinbase Card

(16:13) Venture X Lounge Access Changes

(19:31) Hilton Devaluation

(20:30) Delta Card + Uber One Benefit

(21:27) Hyatt + Peloton Promotion

(22:28) Using Plastiq for Personal Payments

(23:11) Free Summer Activities

(23:47) Saving on Apple Subscriptions

Connect with Chris

⁠⁠Newsletter⁠⁠ | ⁠⁠Membership⁠⁠ | ⁠⁠X⁠⁠ | ⁠⁠Instagram⁠⁠ | ⁠⁠LinkedIn⁠⁠

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

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#233: Explore how different generations approach money and what they get right (and wrong) about saving, investing, spending, and building wealth. We dig into the psychology of money across generations and share practical lessons on homeownership, retirement, automation, points inflation, and more.

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

Link to Full Show Notes: https://chrishutchins.com/financial-mindsets-across-generations-ben-carlson

Partner Deals

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

Green Chef: 50% off your first meal kit with code 50ALLTHEHACKS

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

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

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

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

Resources Mentioned

Ben Carlson: Website | Animal Spirits Podcast | X

Ben's Post: Financial Advice That Doesn’t Work Anymore

Morningstar Column by John Rekenthaler

Tim Ferriss Ep #815: Helping Tim Burn 15M+ Miles and Points, Flipping Costco Gold Into Five-Star Trips & More

Award Travel Search Tools

Coinbase One: Join the waitlist here

ATH Podcast

Full Show Notes

(00:00) Introduction

(02:27) The Great Wealth Transfer From Boomers to Millennials

(05:52) Financial Mindsets Across Different Generations

(09:10) Current Status of the Housing Market

(11:37) Spending Habits in the Travel Industry

(14:28) Financial Lessons From Every Generation

(19:09) Stock Market vs. Housing Market

(25:41) Financial Advice That Doesn't Work Anymore

(27:33) How to Learn to Spend Money and Enjoy It Now

(31:39) The Spectrum of Coast FIRE

(38:48) Ben's Take on Social Security: Is It Worth It?

(41:25) How to Navigate the Current Market Volatility

(47:08) How Demographic Changes Impact the Investment Landscape

(50:27) Active vs. Passive Investing

(52:45) Different Ways to Automate Your Finances

(54:26) Credit Card Points Inflation and Its Impact

(58:09) Credit Card Returns: Cash Back vs. Welcome Offers

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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#232: Chris reviews his current credit card lineup for 2025. He also covers how to evaluate new/existing cards, some card changes for 2025, new cards he's excited about, the best cards for each major spending category, and apps to manage all your cards.

Link to Full Show Notes: https://chrishutchins.com/whats-in-my-wallet-2025

Link to What's In My Wallet Blog Post: https://chrishutchins.com/blog/whats-in-my-wallet-for-2025/

Partner Deals

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

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

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

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

LMNT: Free 8-count 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

Chris' Full What's In My Wallet Post

Credit Card Holder Wallet

Frequent Miler Premium Card Worksheet

Copilot: Free 2 months with code HACKS2

Chris’ Card Optimizer Tool

Southwest Companion Pass Complete Guide 2025

Kick Bookkeeping: 50% off your first year here

Credit Card Trackers

ATH Podcast

Full Show Notes

(00:00) Introduction

(02:17) Quick Episode Overview

(03:28) The 3 Main Reasons to Own Credit Cards

(08:08) Things to Keep in Mind About Welcome Bonuses

(10:26) Chris' Credit Card Goals for 2025

(13:24) Points vs. Cash Back

(17:09) Why You Should Identify Your High Spend Categories

(21:53) How to Calculate the Value of a Card

(23:00) Review of Current Cards in Chris' Wallet

(30:44) Bank of America Cards

(33:00) U.S. Bank Cards

(33:49) Citi Cards

(38:27) The Bilt Mastercard®

(40:10) Understanding the Major Spending Categories

(42:35) Maximizing the Travel Category

(44:53) Earnings via Travel Portals

(47:57) Other Categories: Wholesale Clubs, Phone Service, Gas

(50:11) Managing Business Expenses (+ Kick Bookkeeping)

(52:10) New Cards for 2025

(55:47) How Chris Keeps Track of All His Cards

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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#231: Chris shares his top 50 hacks, learnings and lessons from the past 230 episodes. Learn actionable strategies to level up your travel, wealth, points & miles, productivity, relationships, and so much more!

Link to Full Show Notes: https://chrishutchins.com/50-impactful-lessons-travel-money-life

Partner Deals

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

NetSuite: Free KPI checklist to upgrade your business performance

Facet: Personalized Financial Planning + $250 enrollment fee waived

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

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

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

Resources Mentioned

Price Monitoring Services

eSIMs: Airalo

Books

10 Easy Money Rules by Ramit Sethi

Keepa

Savendeals

Savewise (20% off with ALLTHEHACKS20)

Rakuten ($30 bonus here)

CardPointers Pro (30% off here)

Cashback Monitor

Library Extension | Libby

Gelt (skip the waitlist here)

Free Unclaimed Money Site

Bilt Rewards

Payment Platforms

Trust & Will (20% off custom estate plans here)

The Work Number Report

DeleteMe (20% off here)

ATH Podcast

Full Show Notes

(00:00) Introduction

(04:07) Ways to Boost Your Points and Miles

(06:10) The Truth About Credit Scores

(07:57) Leveraging Award Search Tools and Points

(11:15) Hidden Credit Card Benefits

(13:21) Travel Planning Tips and Tricks

(15:11) Monitoring Price Drops: Flights, Hotels, Car Rentals

(17:02) Emailing the Hotel Before Your Stay

(20:44) Hacks for International Travel

(22:13) The Peak-End Rule

(23:08) Why You Should Audit Your Bills

(25:16) Saving Money on Housing

(27:04) A Die with Zero Mindset

(28:46) Establishing Money Rules

(30:29) The Power of Negotiation

(32:54) Stacking Deals to Increase Savings

(37:46) Browser Extensions to Secure the Best Deals

(39:40) Leveraging Gift Cards

(41:28) How to Access Library Books Online

(42:00) Freebies at Hotels

(42:31) Saving Money on Taxes

(43:38) Automating Investments

(45:31) Tax-Advantaged Accounts, Donor-Advised Funds, and HSAs

(48:18) The Best U.S. Bank Accounts

(50:28) Turning Deals into Side Hustles

(51:58) Free Unclaimed Money

(53:21) Paying Bills with Credit Cards

(55:13) Setting Up a Will and Trust

(56:31) Leveraging AI to Save Time

(58:06) Ways to Optimize Your Time

(59:19) The Hell Yes or No Filter

(1:01:32) How to Buy Back Time

(1:03:44) Levels of Listening and 80/80 Marriage

(1:05:21) Two-Hour Cocktail Party

(1:06:45) Making Healthier Decisions

(1:08:25) Protecting Your Identity

(1:10:38) Decision-Making Tactics

Connect with Chris

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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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#230: The Wealth Ladder is a new philosophy for thinking about money and in this episode you'll learn exactly how to handle your spending, income, investments, and more, with tailored advice for every stage. We cover strategies to boost income, spend smarter with the 0.01% rule, avoid costly financial traps, evaluate new business opportunities, and achieve financial freedom.

Nick Maggiulli is a financial writer, data expert, and the COO of Ritholtz Wealth Management. He’s the creator of the popular financial blog Of Dollars and Data and the author of Just Keep Buying and The Wealth Ladder.

Link to Full Show Notes: https://chrishutchins.com/the-wealth-ladder-nick-maggiulli

Partner Deals

LMNT: Free sample pack of my favorite electrolyte drink mix

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

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

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

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

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

Resources Mentioned

Nick: X | Instagram | LinkedIn | Blog

Research Data Sources

ATH Podcast

Full Show Notes

(00:00) Introduction

(02:15) Big Misconception: Wealth vs. Income

(04:43) Why You Should Think About Wealth as a Ladder

(08:54) Level 1: Living Paycheck to Paycheck

(11:18) How to Grow Your Income in Level 2

(14:04) What Is the 0.01% Rule?

(18:43) Leveling Up from Level 3: Investing & Side Hustles

(21:21) The Risk of Overspending

(22:41) Nick's Research Data Sources

(24:15) The Difference Between Level 3 and Level 4

(29:44) Risks People Face at Level 3 and 4

(33:40) Transitioning from Level 4 to 5

(35:56) How to Manage Lifestyle Creep

(38:49) Level 5 and 6 of the Wealth Ladder

(40:24) The 5 Different Types of Wealth

(41:47) How Does Happiness Correlate with the Wealth Ladder?

(43:47) The Average Timeline to Climb Up the Wealth Ladder

(47:30) Using the 1% Rule to Evaluate Business Opportunities

(50:20) Accessing Travel Freedom Through Points & Miles

(52:36) Biggest Lessons Nick Learned on His Wealth Journey

(53:54) The Impact of Understanding the Wealth Ladder

(55:02) Where to Find Nick's Book and Other Work

Connect with Chris

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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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#229: Your gut is the engine of your entire body, so today we break down how to keep it running smoothly with practical, evidence-backed tips. We cover the gut’s powerful role in digestion, immunity, and brain health while challenging common misconceptions about reflux, probiotics, and more.

Dr. Robynne Chutkan is a board-certified integrative gastroenterologist, bestselling author, and founder of the Digestive Center for Wellness. She’s the founder of Gutbliss and host of the Gutbliss Podcast, where she shares expert insights on digestive health and the microbiome.

Link to Full Show Notes: https://chrishutchins.com/improve-gut-health-dr-robynne-chutkan

Partner Deals

Quince: Affordable luxury essentials with free shipping + 365 day returns

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

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

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

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

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

Resources Mentioned

Robynne: Gutbliss | Podcast |  Gut Club

Books

Research

Testing

Full Show Notes

(00:00) Introduction

(01:49) Why Gut Health Is a Critical Part of Our Health

(04:26) The Role of the Gut

(07:11) The Gut–Immune Connection

(10:15) Balancing Sanitation With Kids

(14:20) Ways to Assess Your Gut Health

(22:23) What the Research Worldwide Says About the Gut

(28:15) Gut Health Testing

(30:49) Foods That Are Good for Your Gut

(35:42) Prebiotics and Probiotics

(42:32) How Important Is Your Water Intake?

(43:32) The Impact of Animal Protein

(44:58) The Negative Effects of Artificial Sweeteners and "Zero" Calorie Drinks

(47:30) Is Dairy Good for Your Gut?

(49:12) What Healthy Poop Should Look Like

(53:24) The Ideal Pooping Position

(54:16) Tips to Achieve “Stool Nirvana”

(57:06) Good Gas vs. Bad Gas

(1:00:05) Aerophagia (Air Swallowing)

(1:02:34) Does the Smell of Gas Mean Anything?

(1:03:19) Why We Should Care About Gut Health

(1:05:17) The Key Takeaway

(1:07:24) Where to Find Dr. Chutkan and Her Work

Connect with Chris

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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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228: A deep dive into Citi’s credit card lineup. I've recently opened up a few Citi cards and am very excited about sharing the best Citi cards, how to maximize ThankYou Points, the best airline and hotel transfer partners, and how Citi’s best two-card combo stacks up against other major issuers.

Link to Full Show Notes: https://chrishutchins.com/citi-credit-cards-thank-you-points

Partner Deals

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

Facet: Personalized Financial Planning + $250 enrollment fee waived

Storyworth: Share your family stories in a custom book (+ $10 off)

LMNT: Free sample pack of my favorite electrolyte drink mix

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

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

Resources Mentioned

Chris' Best Cards Page

Citi Cards Tier List

ThankYou® Points Cards

AAdvantage Cards

Costco Cards

Other Citi Cards

EVA Air

How to book Vacasa Vacation Rentals with Wyndham points

CardPointers Pro: 30% off here and 50% off here

ATH Podcast

Full Show Notes

(00:00) Introduction

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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