The Daily Churn

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

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♡ Enjoy this episode?

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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

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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 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 🙇‍♂️

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

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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 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 🙇‍♂️

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 🙇‍♂️

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 👋

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 👋

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 👋

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 👋

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

By far the biggest month to date, thanks to massive bonuses from Wells Fargo and MooMoo, along with Gateway, Oxygen, Upgrade, UNest, Amazon, and many more!

• (1:31) - News (Private Discord, MGM/Hyatt/MGM, PD TV, Kroger, Hanscom)
• (8:07) - Credit Cards (Ink Preferred, IHG)
• (12:21) - Banks (Wells Fargo, Gateway, US Bank, Upgrade, Oxygen, Laurel, Save)
• (22:36) - Brokerages (MooMoo, UNest)
• (27:50) - Hacks, Freebies & Discounts (Apple, McDonalds, Chick-fil-A, Amazon)
• (32:23) - Final tally ($1,410 + 195K 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

🔒 Join 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 👋

Exciting news on a new Deal Alerts feature, along with a detailed breakdown of $1,410 + 195K worth of churns in June, including the massive MooMoo referral bonus, new Chase Ink Preferred offer, RedCard news, Prime Day & more!

• (1:43) - News (Deal Alerts, Target RedCard, Prime Day, Dell, Marriott, Costco)
• (10:57) - Brokerages (MooMoo, UNest)
• (18:04) - Banks (Wells Fargo, US Bank, Chase, Oxygen, Laurel, I-Bonds)
• (24:34) - Credit Cards (IHG, Ink Preferred, Leverage, Hilton, Marriott)
• (33:04) - Freebies & Discounts (Bilt, Lyft, Cap1, DoorDash, Southwest, Amazon)
• (36:13) - Final tally ($1,410 + 195K Points)
• (36:57) - Deal Alerts beta 🔒

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

📬 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 👋

Most of us are out of practice, and bad at it. Like public speaking, it's often avoided. So where do people go wrong, what can you do to improve, and how do you apply it to real-life scenarios, like hotel check-ins?

• (0:00) - Why ask for more?
• (5:06) - Attitude & Approach
• (7:58) - Four types of people
• (12:43) - The Goldilocks Zone
• (14:13) - Four magic words
• (20:56) - How to push one extra step
• (26:11) - When to escalate
• (28:48) - Recognize openings
• (31:14) - Get your reps in

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

📬 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 👋

Redeeming Marriot Bonvoy free night certificates in Hawaii, the new I-Bonds rate and alternative 5%+ options for parking cash, an easy hack for half price pet food, why we're transferring all of our brokerage accounts to Fidelity, plus much more!

• (3:04) - Award travel (Bonvoy Hawaii)
• (8:19) - Credit cards (Marriott Boundless, IHG Biz, Amex Biz Plat NLL)
• (10:31) - Banks (US Bank Biz, Oxygen, Laurel)
• (15:43) - Parking Cash (I-Bonds, Juno, Public)
• (19:48) - Brokerages (Fidelity, Wells Fargo, Interactive Brokers)
• (31:31) - Hacks / Discounts / Freebies (Petsmart, Rakuten, Amazon, Bud)
• (35:36) - News (Redcards, Daily Getaways)
• (38:48) - Final tally ($2,660 + 250K Marriott)

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

📬 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 👋

Back in the swing of things in April, tackling brokerage bonuses from Wells Fargo, Ally, Fidelity, MooMoo, plus big SUBs from Chase Ink, IHG & Marriott, US Bank and Gateway, along with some easy churns from Oxygen, Target, and Amazon.

• (2:11) - Wells Fargo / Vanguard saga
• (11:52) - Other brokerages (Vanguard, Fidelity, Ally, MooMoo)
• (16:55) - Banks (Go2Bank, Wealthfront, Oxygen, Gateway, US Bank, Laurel)
• (21:41) - Credit cards (IHG Biz, Marriott Boundless, CIU, Venture)
• (28:06) - Freebies & Discounts (Target, Amazon, Southwest)
• (31:04) - Mealkits (HelloFresh, EveryPlate)
• (33:47) - Final tally ($1,060 + 219K 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.

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

♡ 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 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)

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

📬 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 👋

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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📬 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 👋

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 🤓

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

📬 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 👋

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 😁)

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

📬 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 👋

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)

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

📬 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 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

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

📬 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 👋

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)

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

📬 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?

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⭐️ 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 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

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⚡️ 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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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 😊🙏

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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

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Exciting news on a new live churn tracker, along with a detailed breakdown of churns in August.

• (0:08) - ⚡️ Churn tracker [beta]
• (1:59) - Banks (Juno, US Bank, Albert, Chime, Amex Biz Checking)
• (9:47) - Credit cards (WF Biz, Chase Inks, Amex Gold)
• (14:30) - Brokerages (Nadex, Public)
• (16:44) - Mealkits (Freshly, HelloFresh, Rakuten)
• (22:55) - Cellphones (Visible, iPhone 14)
• (26:22) - Final tally ($904)

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Comparison of online and in-person options for selling a car, along with a play-by-play of 5 hours spent negotiating a car purchase at a dealership (plus some tricks to watch out for 👀).

• (1:57) - Online sales
• (5:36) - Private party marketplaces
• (8:43) - Issues with selling privately
• (20:01) - Carvana vs other services
• (24:38) - Buying a car (then vs now)
• (34:14) - Art of the scam
• (41:23) - 5 hours at the dealership...

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Massive month thanks to a couple huge bonuses posting, plus some painful lessons learned buying and selling a car in the current crazy market.

• (1:14) - Banks (WF biz + personal, Chase biz, Huntington biz, First Tech, Albert, Juno)
• (15:46) - Credit cards (WF biz, US Bank Triple Cash, Chase Ink Unlimited)
• (18:17) - Cashback (Capital One VRBO, mealkits offers)
• (20:57) - Cellphones (Visible)
• (21:52) - Selling a used car (Carvana vs. CL, FB, OfferUp, etc.)
• (26:42) - Buying a new car (car dealerships... 😬)
• (36:05) - Final tally ($4,488)

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Walkthrough of six different services for employer direct deposit, ranging in cost from free to paid, plus some tips & datapoints to help maximize reliability.

• (2:06) - Square
• (9:34) - Chase
• (14:17) - Wise
• (25:33) - Astra
• (29:56) - Brex
• (31:52) - Melio

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Detailed breakdown of churns in June, along with an update on booking ANA, plus a primer on recent events surrounding Celsius, Voyager and crypto as a whole.

• (3:08) - Banks (Affinity CU, Teachers Federal CU, Chase Biz, Huntington Biz, Citi Biz, US Bank Biz)
• (10:09) - Brokerages (Nadex)
• (10:47) - Rakuten (Personal Capital)
• (14:24) - Mealkits (Greenchef, Gobble, Hellofresh, SunBasket, Factor75)
• (25:27) - Honey (Kitchenaid mixer 👩‍🍳🍪)
• (27:50) - Misc (Visible, Stubhub)
• (28:44) - ANA update
• (31:26) - Crypto update (Celsius, Voyager)
• (56:50) - Final tally ($1,028.50)

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Biggest month so far, harvesting bonuses from banks, credit cards, brokerages, crypto exchanges, mealkits, cashback, and cellphones. All the churns!

• (1:12) - Credit cards (CIU, VentureX, USB Connect, Go, WF Biz)
• (10:16) - Banks (WF Biz, Chase Biz, Chase Personal, Albert, SoFi, Fairwinds, SCU, Chime, Huntington)
• (38:06) - Brokerages & crypto (Fidelity, Varo, Voyager)
• (41:16) - Mealkits & cashback (Factor75, Gobble, Blue Apron, SunBasket, Rakuten, BeFrugal)
• (51:09) - Cellphones (Visible)
• (51:41) - Final tally ($3,416 + 106K UR + 25K Cap1)

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Ideas on best places to park your cash to stay on top of inflation, including banks, bonds, and crypto exchanges. Plus a primer on stablecoins and avoiding collapses like Terra & Luna.

• (2:16) - SoFi & Ally @ ~1%
• (4:40) - HMBradley @ 3%
• (7:25) - Current @ 4%
• (8:30) - I-Bonds @ 9.62%
• (12:15) - Stablecoins 101
• (15:08) - What happened with Terra & Luna
• (21:32) - FTX fiat @ 7.9%
• (23:58) - Voyager USDC @ 9%
• (27:32) - Gemini GUSD @ 6.9%
• (29:26) - Stocks vs crypto
• (32:22) - Parking $10K vs $100K

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Another big month packed with bank churns (and fails), along with more crypto, bonds, and brokerages. Plus cellphones, mealkits, cashback, and lots of free food.

• (0:56) - Banks (Monifi, Astra, Wells Fargo, Chase, Fairwinds, Service CU, OnJuno, SoFi, Albert, Chime, Current)
• (27:07) - Crypto, bonds, brokerages (I-Bonds, FTX, Voyager, Gemini, TradeStation, Public, Stockpile)
• (41:08) - Cellphones (Visible)
• (42:21) - Cashback, mealkits, free food (Vital farms, Smirnoff, Venture X, Ibotto, Rakuten)
• (52:15) - Final tally ($2,400 + all the free foods 😋)

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Step-by-step guide to using AMEX points to secure one of the best value premium cabins, plus booking tips & tricks gathered from 50+ hours of research, phone calls, and experimentation. Brace yourselves, this one goes DEEP 🤓

• (0:00) - Why ANA?
• (4:52) - ANA booking basics
• (10:58) - Advanced techniques
• (20:43) - Other quirks with ANA
• (32:39) - Booking example #1 (simple)
• (42:41) - Booking example #2 (complex)

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Another busy month churning banks, treasury bonds, credit cards, mealkits and cellphones, plus updates on some MS opportunities and high-yield stablecoins.

• (0:54) - Banks (PSECU, Current, Fairwinds, HMB)
• (5:13) - Gifting treasury bonds
• (9:48) - Crypto stablecoins (Voyager USDC, Gemini GUSD)
• (16:58) - Brokerages (Feb MS, Stockpile)
• (21:27) - Credit cards (CIU, Venture X)
• (27:31) - Cellphones (Costco, Visible)
• (31:49) - Misc (Cigna, mealkits, Rakuten, Dell)
• (39:47) - Final tally ($1,245 + $3,300 cashback)

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Massive month in February with lots of new bank accounts, some interesting brokerage opportunities, crypto, easy MS, mealkits, cellphones, and cashback.

• (2:52) - Banks (PSECU, Affinity, First Tech, Fairwinds, Monifi, Albert, Current, Chime, Huntington)
• (25:13) - Bank tally (16 new accounts)
• (28:40) - Brokerages (Titan, TradeStation)
• (41:15) - Crypto (high-yield stablecoins, gemini, USDC)
• (44:47) - Credit cards (Venture X, Hyatt Biz)
• (45:55) - Mealkits (Daily Harvest, Freshly)
• (49:23) - Cashback (Rakuten, BeFrugal)
• (51:08) - Cellphones (Visible BYOD)
• (55:31) - Final tally ($812)

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Bonus episode of an interview I did recently on another show, Risk of Ruin. I talk about leaving the work world behind in favor of early retirement, how churning fits into leanFIRE, my time in Japanese jail and our homesteading plans.

• (0:00) - Intro
• (3:27) - Risk of Ruin

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Risk of Ruin podcast on apple & spotify.

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Season 2 - Detailed breakdown of January 2022 churns across credit cards, banks, brokerages, cell phones, and misc categories.

• (1:15) - Credit cards (Southwest, Venture X, mealkits)
• (12:48) - Banks (Kabbage, FNBO, HMBradley, I-Bonds)
• (21:29) - Brokerages (Nadex)
• (23:17) - Cell phones (Visible)
• (24:15) - Misc (Cigna)
• (26:40) - Final tally ($1,085)

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Season finale! Detailed breakdown of December churns along with a final year-end tally for 2021, plus a bonus recap on how the podcast is doing and some lessons learned making the show.

• (1:13) - Cell phones (iPhone 13, Boost, Visible)
• (8:36) - Bank updates (Chase Biz, HMBradley, I-Bonds, Lili)
• (18:37) - Credit cards (SW Performance, Hyatt Biz)
• (23:02) - Westin Kona mini-review (Marriott travel cert, Amex offers)
• (28:47) - Brokerages (Nadex)
• (29:06) - December tally ($647)
• (29:36) - 2021 tally ($10,497 + 150K Amex + 125K UR)
• (32:04) - Bonus: podcast recap

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In-depth walkthrough of the various iPhone deals available from Costco, Best Buy, and Visible, as well as strategies for reselling on Swappa.

• (1:11) - Costco $300 BYOD offer
• (1:44) - T-Mobile $20 Talk & Text only plan
• (3:17) - Costco $720 BOGO iPhones
• (5:59) - iPhone Pro Max selling above retail
• (8:07) - Best Buy's crazy iPhone trade-in values
• (12:30) - Caution re: Flex Reseller policy
• (15:11) - Unlock trick using prepaid ATT sim
• (17:03) - Requesting unlocks from TForce
• (18:37) - Mistakes I made on the BB deal
• (22:10) - Swappa rundown
• (24:49) - BFMR address formatting ideas
• (27:09) - Visible offer extended
• (29:10) - $1 Boost mobile SIM cards

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Detailed breakdown of November churns across banks, brokerages, credit cards, cell phones, and cashback sites.

• (0:37) - Banks (Chase Bus, Lili, Treasury Bonds)
• (6:38) - Brokerages (Charles Schwab, Nadex)
• (8:44) - Credit cards (SW Premier)
• (10:53) - Cell phones (BB, Costco, Visible)
• (14:45) - Cashback (BeFrugal, Rakuten)
• (18:52) - Final tally ($2,012)

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Brief walkthrough (and free download) of a Google Sheet template for tracking credit card churns, plus some tips for managing the "back office" work.

• (2:13) - Google Sheet template + sample data
• (3:48) - Status and Due Date columns
• (5:13) - Use a reminder app (eg. Google Keep)
• (7:35) - Autopay and Bonus columns
• (8:53) - Notes column
• (9:58) - Bank bonus and LeanFIRE sheets

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Detailed breakdown of October churns across credit cards, bank bonuses, brokerages, and cell phones (plus a bonus Ventana review).

• (1:59) - Credit cards (Amex BP, SW Performance & Premier)
• (3:19) - Some thoughts on BGs
• (8:46) - Chase & holiday season
• (11:46) - Banks (Key, PNC, Discover)
• (14:13) - Brokerages (Nadex)
• (16:03) - Cell phones (Best Buy T-Mobile)
• (19:49) - T-Mobile workarounds
• (26:14) - Final Tally ($1,980)
• (27:51) - Ventana Big Sur (aka churner mecca)

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In-depth guide to churning Visible and other MVNOs to qualify for discounted phones and super discounted (even free) monthly plans.

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Detailed breakdown of September churning efforts across bank bonuses, brokerages, credit cards and misc categories.

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Tips and tricks for maximizing National's amazing Executive status for free upgrades and discounted rentals.

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After 8 years and $25K+ of free flights, some thoughts and tips on securing companion pass for 2022/23.

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Detailed breakdown of August churning efforts across credit cards, bank bonuses, brokerages and misc categories.

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After a decade of earning and churning Hyatt status, an in-depth look at maximizing this incredible loyalty program.

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Special episode on churning strategies that can help attain and sustain FIRE (financial independence / retire early).

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In-depth walkthrough of Interactive Brokers $1K stock + $200 cash bonus offer, plus tips for transferring assets over.

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Detailed breakdown of the past month's churning efforts across credit cards, bank bonuses and brokerages.

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Is Swagbucks worth your time? Some thoughts and tips on how to approach Swagbucks without losing your mind.

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An amazing tool for bank bonuses, this dives deep into the payroll setup and tax implications of using Square & Gusto.

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After 100+ meals delivered across HelloFresh, Sunbasket, GreenChef and HomeChef, some tips and lessons learned.

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In-depth analysis of HMBradley's unique deposit requirements to help reach and maintain 3% on $100K with less effort.

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