Full recap of churns from Jan, Feb and March, including big bonuses from Huntington, Wells Fargo & Chase, plus deals, discounts & freebies from Hellofresh, Target RedCard, Amazon, Wendy's & more!

• (1:52) - Banks (Huntington, Live Oak, Laurel Road, DCU, Wells Fargo, US Bank)
• (9:25) - Brokerages (Moomoo Invest)
• (12:17) - Credit cards (Chase Inks, IHG)
• (21:34) - Mealkits (HelloFresh)
• (23:13) - Cellphones (Mint)
• (25:11) - Freebies & Discounts (Target, Amazon, Wendy's)
• (32:59) - Final tally ($3,050 + 394K points)

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Kicking off Season 3 with a deep dive into the hidden McDonalds rewards app secret menu, which includes insane deals on Big Macs, large fries, and breakfast sandwiches that can be churned EVERY DAY.

Disclaimer: please don't eat McDonalds every day 😶

• (1:06) - Podcast update
• (4:32) - What's up with McDonalds?
• (7:46) - How their app actually works
• (11:59) - Secret menu deals 🤯
• (14:57) - P1 + P2 workaround

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⚡️ View the live churn tracker for real-time updates on all the churns as they happen.

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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 🙇‍♂️

Have questions? Leave a comment to get answers, share datapoints, or just say hello 👋

End to a massive year, including big bonuses in December from Morgan Stanley and Public, along with a breakdown of all 2022 churns, plus a bonus recap of listener & subscriber stats from the podcast.

• (2:08) - Credit cards (MS Amex Plat, Chase Inks)
• (8:28) - Banks (DCU, Laurel, Upgrade)
• (12:50) - Brokerages (Public)
• (14:39) - Cellphones (Costco, Mint)
• (18:12) - Mealkits (Green Chef, HelloFresh)
• (20:41) - Freebies & Discounts (Peloton, Target, Turbotax, Sugarfina, Chase offers, Doordash, Apple Music, SiriusXM, StudentBeans, Dell, Starbucks)
• (32:47) - December tally ($3,135 + 416K points)
• (34:08) - 2022 tally ($32,454 + 981K points)
• (44:36) - Bonus: Podcast stats 🤓

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⚡️ View the live churn tracker for real-time updates on all the churns as they happen.

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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 🙇‍♂️

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Update on exactly how to open this confusing (but lucrative) card, including new methods involving Preferred Savings accounts, Active Assets Accounts (AAA), CashPlus engagement bonus & fee avoidance, and a walkthrough of two simple options for qualifying 👊😤

• (0:00) - What's the deal with this card?
• (7:11) - tldr: Preferred Savings ftw
• (9:12) - Active Assets Accounts (AAA)
• (10:20) - The magic of Preferred Savings
• (12:31) - Why it's better than Access Investing
• (14:28) - Preferred Savings vs CashPlus
• (17:04) - Should I even open a CashPlus?
• (19:55) - How does AMEX get data from MS?
• (20:38) - Option 1: Preferred Savings + CashPlus (safest)
• (23:50) - Option 2: Preferred Savings only (riskier)
• (25:33) - What we did (riskiest 😁)

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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.

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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 🙇‍♂️

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Jam-packed episode covering huge bonuses from Huntington, Upgrade and Chase, plus holiday deals & discounts from Amazon, Target, Wayfair, HelloFresh, Green Chef, Visible, Mint and more!

• (2:29) - Banks (Huntington, Laurel, Amex, Juno, Upgrade)
• (14:06) - Credit cards (BofA, Venture X, Chase Ink, MS Amex Plat)
• (19:10) - Black Friday (Liam Neeson x Breadmaker 😤)
• (26:05) - Discounts & Freebies (Saks, Peacock, Hulu + Disney, Target, Rakuten, Amazon, Wayfair, Starbucks, Peloton)
• (38:00) - Mealkits (HelloFresh, Blue Apron, Green Chef)
• (42:03) - Cellphones (Visible, Walmart, Mint)
• (53:18) - Final tally ($3,880 + 60K Amex)

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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.

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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 🙇‍♂️

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Full review of Simplifi, an app that's useful not only for personal finance & budgeting, but also for keeping track of all your credit card, brokerage, and bank account churns in one place.

• (0:00) - Why use Simplifi
• (2:55) - How Simplifi works
• (4:22) - Simplifi vs Mint
• (5:39) - Simplifi vs YNAB
• (8:57) - Simplifi vs Personal Capital
• (10:14) - Using Simplifi for churning
• (21:48) - Simplifi quirks

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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.

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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 🙇‍♂️

Have questions? Leave a comment to get answers, share datapoints, or just say hello 👋

One of the biggest months so far, with massive bonuses from Upgrade & Public, Chase Ink 90K matching, mealkit deals from Home Chef & HelloFresh, plus an (almost) free 55-inch Omni TV on Prime Day.

• (1:07) - Update on Morgan Stanley
• (3:51) - Credit cards (Upgrade, Chase, Amex)
• (12:31) - Banks (Chase, Juno, Laurel)
• (17:42) - Brokerages (Public)
• (19:48) - Mealkits (HelloFresh, Home Chef)
• (23:00) - Freebies (Omni, RedCard, Starbucks, Amazon, TopCashBack)
• (32:58) - Final tally ($4,687 + 107K MR + 50K UR)

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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.

------------------

♡ 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 👋

Full review of this amazing brokerage transfer bonus from the Public stock app, including brokerage churning strategy, partial vs full ACATS transfers, using cash to meet tier requirements, and joint account eligibility.

• (0:00) - Why this bonus is amazing
• (4:33) - ACATS transfers 101
• (8:38) - Strategy for brokerage bonuses
• (9:32) - Partial vs full ACATS transfer
• (10:40) - Buffer for tier qualification
• (11:38) - Transferring cash via ACATS
• (13:52) - Joint & individual accounts

------------------

📬 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.

------------------

♡ 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 👋

All the churns from September, including an easy triple stack bank bonus from Upgrade, MS from Gate City, credit cards from Chase & BofA, plus mealkit deals from Blue Apron & HelloFresh. And new this month, a recap of all the freebies – free shake shack burgers, movies, private VPNs and more... whew 😮‍💨.

• (1:27) - Banks (HMBradley, Gate City, SoFi, Albert, Juno, Upgrade)
• (16:18) - Credit cards (Wells Fargo, Chase Ink, US Bank, BofA)
• (20:02) - Brokerages (Interactive Brokers)
• (22:31) - Mealkits & Cashback (Blue Apron, HelloFresh, Freshly, Ibotta, Rakuten, Honey)
• (30:16) - Freebies (Shake Shack, Wendy's, Apple TV, Moonage, Starbucks, VPN, Visible)
• (35:04) - Final tally ($1,824)

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Join the newsletter for show notes, links, and updates: thedailychurnpodcast.com

View the live churn tracker for real-time updates on all the churns as they happen.

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Forward to a friend and let them know about the show 😊🙏

Have questions? Leave a comment to get answers, share datapoints, or just say hello 👋

Conclusion to the 5-hour car dealership negotiation saga, along with ideas on alternative negotiation strategies that may yield better results, plus tips for your first visit to the car dealership & common pitfalls to avoid.

• (0:00) - Back at the dealership...
• (21:53) - The three circles of dealership hell
• (26:56) - Things we would do differently
• (27:40) - Alternative strategy #1 (hardball)
• (29:34) - Alternative strategy #2 (semi-hardball)
• (31:23) - Alternative strategy #3 (going public)
• (34:36) - Other tips & thoughts

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Listen to Part 1 of the story: Ep 30 - Carvana vs Dealerships

Join the newsletter for show notes, links, and updates: thedailychurnpodcast.com