The Daily Churn

By thedailychurnBusiness Entrepreneurship News Education Leisure How To Hobbies

The Daily Churn episodes

January 19, 2024Ep 56 - 2023 Recap: $36,417 + 2.47 Million Points 🤯
December churning recap & 2023 earnings breakdown, plus a bonus recap of podcast listener & subscriber stats, along with a special announcement!
(06:22) - Credit Cards
(15:44) - Banks
(21:55) - Brokerages
(22:41) - Discounts & Freebies
(27:58) - Final Tally (December)
(29:07) - End of Year Tally
(38:26) - Bonus: Podcast Recap 🤓

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⚡️ View the live churn tracker for real-time updates on all the churns as they happen
🔒 Subscribe to our private Discord community
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♡ Enjoy this episode?
💌 Most people find the show through word of mouth. Please forward to a friend if you think they would enjoy it 🙏
⭐️ Or if you have a bit of time, please consider leaving a rating or review on Apple or Spotify. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️
57 min
December 15, 2023Ep 55 - The Big Churn: Roth Conversion Ladders
Deep dive into the fascinating world of Roth IRA loopholes for early retirement, tips for optimizing income to reduce taxes & maximize ACA benefits, plus common mistakes to avoid.
(0:00) - Why Roth IRAs are amazing
(7:38) - Roth IRA Basics
(10:32) - Roth Conversion Ladders
(25:10) - Common Pitfalls & Examples

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📬 Join the newsletter for show notes, links, and episode updates: thedailychurnpodcast.com
⚡️ View the live churn tracker for real-time updates on all the churns as they happen
🔒 Subscribe to Deals to get access to the private Discord
------------------
♡ Enjoy this episode?
💌 Most people find the show through word of mouth. Please forward to a friend if you think they would enjoy it 🙏
⭐️ Or if you have a bit of time, please consider leaving a rating or review on Apple or Spotify. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️
44 min
December 05, 2023Ep 54 - November Recap: $1,724 + 250K Marriott
Black Friday haul 😤, major Hyatt & Avis news, 190K Amex Biz Plat hacks, tips for Southwest recons, increased Venture X bonuses, Kona mini trip report, HelloFresh free box codes, ACA silver plan updates, and much more!
(01:45) - News & Updates (ACA Silver Plans)
(04:08) - Award Travel (Hyatt, Avis, Hawaii, Premier Collection)
(09:42) - Discounts & Freebies (Black Friday, RedCard, Amex Offers, Starbucks, HelloFresh)
(25:13) - Credit Cards (Amex Biz Plat, Southwest, Venture X, Marriott)
(36:16) - Banks (Unify, Ally, KeyPoint, Upgrade, SecurityPlus, Laurel)
(44:03) - Brokerages (MooMoo, WeBull)
(45:37) - Final Tally (1,724 + 250K Marriott)
(46:26) - Hawaii Trip Report
(53:57) - Premier Collection Trip Report

------------------
📬 Join the newsletter for show notes, links, and episode updates: thedailychurnpodcast.com
⚡️ View the live churn tracker for real-time updates on all the churns as they happen
🔒 Subscribe to Deal Alerts to get access to private deals & Discord
------------------
♡ Enjoy this episode?
💌 Most people find the show through word of mouth. Please forward to a friend if you think they would enjoy it 🙏
⭐️ Or if you have a bit of time, please consider leaving a rating or review on Apple or Spotify. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️
1 hr
November 17, 2023Ep 53 - The Big Churn: ACA Health Subsidies
First in a multi-part series on churningFIRE, diving deep into early retirement hacks that make FIRE more attainable, and why having a churning mindset is particularly useful.
(0:00) - Intro to churning healthcare
(6:40) - How ACA actually works
(9:57) - Health plan tiers
(11:05) - Subsidy #1: Premium Tax Credit
(18:17) - Subsidy #2: Cost Sharing Reduction
(26:24) - Churning retirement

------------------
📬 Join the newsletter for show notes, links, and episode updates: thedailychurnpodcast.com
⚡️ View the live churn tracker for real-time updates on all the churns as they happen
🔒 Subscribe to Deal Alerts to get access to private deals & Discord
------------------
♡ Enjoy this episode?
💌 Most people find the show through word of mouth. Please forward to a friend if you think they would enjoy it 🙏
⭐️ Or if you have a bit of time, please consider leaving a rating or review on Apple or Spotify. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️
37 min
November 02, 2023Ep 52 - October Recap: $4,180 + 270K Points
Redcard churns are baack, new Capital One & Sapphire lounges, Southwest companion pass season, Amex incognito offers, Robinhood transfer bonuses, almost-free Netflix premium, CLEAR hacks, cheap Mario and much more!
(00:59) - News (RedCard, Wyndham & Vacasa, C1 lounge, Sapphire lounge, BofA Day)
(08:48) - Credit Cards (SW, Amex Gold & Plat, Biz Venture X, BofA UCR, CIP)
(21:11) - Banks (C1, Ally, Upgrade)
(23:07) - Brokerages (Wells Fargo, Robinhood, MooMoo, WeBull)
(29:08) - Discounts & Freebies (VZW & Netflix, Clear, QVC, Amex, Lowes, Marriott, Amazon, Starbucks, Chipotle)
(40:31) - Final Tally ($4,180 + 270K UR)

------------------
📬 Join the newsletter for show notes, links, and episode updates: thedailychurnpodcast.com
⚡️ View the live churn tracker for real-time updates on all the churns as they happen
🔒 Subscribe to Deal Alerts to get access to private deals & Discord
------------------
♡ Enjoy this episode?
💌 Most people find the show through word of mouth. Please forward to a friend if you think they would enjoy it 🙏
⭐️ Or if you have a bit of time, please consider leaving a rating or review on Apple or Spotify. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️
43 min
October 17, 2023Ep 51 - How Buying Groups Work
Where to find them and which ones to join, how taxes work, what a typical order flow looks like, plus risks and workarounds for avoiding common pitfalls 🤓
(02:58) - Basics of buying groups
(04:33) - Why use buying groups
(06:44) - Typical order flow
(07:39) - Buying group taxes
(11:59) - Which buying group to join
(13:38) - Why BuyForMeRetail
(18:08) - Risks of buying groups
(22:38) - Ordering from Amazon
(28:08) - Workarounds: ship to home
(30:02) - Workarounds: address formatting

------------------
📬 Join the newsletter for show notes, links, and episode updates: thedailychurnpodcast.com
⚡️ View the live churn tracker for real-time updates on all the churns as they happen
🔒 Subscribe to Deal Alerts to get access to private deals & Discord chat group
------------------
♡ Enjoy this episode?
💌 Most people find the show through word of mouth. Please forward to a friend if you think they would enjoy it 🙏
⭐️ Or if you have a bit of time, please consider leaving a rating or review on Apple or Spotify. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️
Have questions? Leave a comment to get answers, share datapoints, or just say hello 👋
34 min
October 05, 2023Ep 50 - September Recap: $2,988 + 450K Points
Airline status matches and Globalist hacks, new bonuses from Morgan Stanley & Chase Inks, BofA app-o-ramas, new iPhone 15 Pros, Rakuten mealkit moneymakers, burger crawls, free peloton water bottles, and much more!
(01:43) - News (Prime day, Globalist hacks, Delta fiasco, Churning podcasts)
(11:49) - Credit Cards (Brilliant, SW CP, MS Plat, BofA CCR & UCR, CIP, CIU, CIC)
(30:41) - Banks (USB, Cap1, Ally, Fidelity, Keypoint, Upgrade, Laurel)
(38:10) - Brokerages (MooMoo)
(39:35) - Cell Phones (Verizon, iPhone 15 Pro)
(46:22) - Meal Kits (Rakuten, Daily Harvest)
(50:05) - Discounts & Freebies (Dell, Petsmart, McD, Wendys, BK, Costco, Peloton)
(57:03) - Final Tally ($2,988 + 300K UR + 150K MR)

------------------
📬 Join the newsletter for show notes, links, and episode updates: thedailychurnpodcast.com
⚡️ View the live churn tracker for real-time updates on all the churns as they happen
🔒 Subscribe to Deal Alerts to get access to private deals & Discord chat group
------------------
♡ Enjoy this episode?
💌 Most people find the show through word of mouth. Please forward to a friend if you think they would enjoy it 🙏
⭐️ Or if you have a bit of time, please consider leaving a rating or review on Apple or Spotify. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️
Have questions? Leave a comment to get answers, share datapoints, or just say hello 👋
59 min
September 19, 2023Ep 49 - Ally & Fidelity: Best Hub Accounts for Churning
Deep-dive into the unique features that make Ally and Fidelity the best hub accounts for churning bank and brokerage bonuses.
(3:54) - Ally $200 checking bonus
(4:45) - Ally savings account
(6:16) - Ally transfer limits & volume 🚀
(7:40) - Ally scheduling & automation
(9:17) - Ally same-day ACH transfers
(12:19) - Ally quirks
(13:30) - Fidelity $100 bonus
(14:12) - Fidelity Bloom $135 bonus
(15:02) - Fidelity Cash Management Account
(17:55) - Fidelity CMA vs Brokerage
(21:03) - Super fast account opening 🕺
(22:32) - ACATS stocks into Fidelity
(24:27) - ACATS stocks out of Fidelity
(28:47) - Fidelity P2 stock transfers
(30:18) - Fidelity zero-fee index funds
(33:07) - Fidelity free HSA
(33:37) - Fidelity vs Vanguard
(35:11) - Fidelity subreddit 🤯

------------------
📬 Join the newsletter for show notes, links, and episode updates: thedailychurnpodcast.com
⚡️ View the live churn tracker for real-time updates on all the churns as they happen
🔒 Subscribe to Deal Alerts to get notified of sensitive deals, plus get access to the private Discord chat group
------------------
♡ Enjoy this episode?
💌 Most people find the show through word of mouth. Please forward to a friend if you think they would enjoy it 🙏
⭐️ Or if you have a bit of time, please consider leaving a rating or review on Apple or Spotify. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️
Have questions? Leave a comment to get answers, share datapoints, or just say hello 👋
40 min
September 05, 2023Ep 48 - August Recap: $7,835 + 40K Points
Another blockbuster month, with bonuses from US Bank & MooMoo, new offers from Ally & Fidelity, CC spend from buying groups & Kroger, updates on Save, Chase ACH & I-Bonds, freebies from Amazon & Peloton, and much more!
(00:34) - Intro
(03:52) - Credit Cards (Marriot 5N, P3, CIP, BFMR)
(13:33) - Banks (US Bank, Fidelity, Boss Money, Ally, Chase ACH, I-Bonds)
(22:36) - Brokerages (Wells Fargo, UNest, Ally, Save, MooMoo)
(31:23) - Discounts & Freebies (Kroger 4x, Amazon, Peloton, DPs)
(36:55) - Final tally ($7,835 + 40K points)

------------------
📬 Join the newsletter for show notes, links, and episode updates: thedailychurnpodcast.com
⚡️ View the live churn tracker for real-time updates on all the churns as they happen
🔒 Subscribe to Deal Alerts to get notified of sensitive deals, plus get access to the private Discord chat group
------------------
♡ Enjoy this episode?
💌 Most people find the show through word of mouth. Please forward to a friend if you think they would enjoy it 🙏
⭐️ Or if you have a bit of time, please consider leaving a rating or review on Apple or Spotify. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️
Have questions? Leave a comment to get answers, share datapoints, or just say hello 👋
39 min
August 16, 2023Ep 47 - How to Maximize Kroger Fuel Points
Walkthrough of how the lucrative but confusing Kroger Fuel Points rewards program works, including tips for both casual and higher volume methods of maximizing the program.
(00:34) - Kroger overview
(06:28) - How the Fuel Points program works
(10:37) - Casual shopper usage
(13:57) - Higher volume usage

------------------
📬 Join the newsletter for show notes, links, and episode updates: thedailychurnpodcast.com
⚡️ View the live churn tracker for real-time updates on all the churns as they happen
🔒 Join Deal Alerts to get notified of sensitive deals + access to the private Discord chat group
21 min

About The Daily Churn

From the publisher's feed

Anyone can churn anything. Each week, learn how to churn something new and novel, from credit card & bank bonuses to flights, hotels, cellphones, mealkits, even FIRE.

Decades of churning…