Anyone can churn anything. Each week, learn how to churn something new and novel, from credit card &amp; bank bonuses to churning FIRE, cellphones, award programs, travel hacks, even cars.Decades of churning experience packed into short, easy-to-follow episodes you can use right now to live a more financially independent life.

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2024/4/23/16/d86d7683-8e15-4b21-b52a-51aa34b43758_the_daily_churn_ep62_master_revised.mp3

Final installment of the Big Churn series, exploring how to better optimize your retirement portfolio for maximum growth &amp; longterm sustainability, and why Target Date Funds can delay your retirement and leave you retiring with less.<ul><li>(09:42) - Basic Concept</li><li>(15:51) - Post Retirement Glidepaths</li><li>(31:32) - Pre Retirement Glidepaths</li><li>(48:23) - How To Implement</li><li>(58:50) - Caveats &amp; Thoughts</li></ul> ------------------📬 Join the free newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Subscribe to our <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">private Discord community</a>------------------♡ 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️

Ep 62 - The Big Churn: Glidepath Investment Strategy

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2024/4/4/21/9f37e2a7-2d15-416d-8fab-88b6bff561b9_the_daily_churn_ep61_master.mp3

Tips for pulling up Amex 250K Business Plat, Robinhood IRA transfers &amp; WeBull comparison calcs, min spend ideas &amp; 10x dining, new award travel tools, Pepper app deep dive, Marley Spoon mealkits, free burgers and much more!<ul><li>(02:16) - Travel News</li><li>(09:23) - Brokerages</li><li>(19:58) - Credit Cards</li><li>(37:24) - Banks</li><li>(39:00) - Meal Kits</li><li>(41:45) - Discounts &amp; Freebies</li><li>(57:13) - Final Tally</li></ul> ------------------📬 Join the free newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Subscribe to our <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">private Discord community</a>------------------♡ 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️

Ep 61 - March Recap: $14,445 + 390K Points

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2024/3/22/3/0e087d57-de51-4e72-a1fa-6e27ab2cb6d9_the_daily_churn_ep60_master_revised.mp3

Do you have friends or family who pay cash for flights? Are you manually searching and comparing award prices? This episode dives deep into my award booking workflow and compares new tools like PointsYeah and Seats.aero and why they have become an essential part of the process.<ul><li>(07:46) - My workflow</li><li>(15:47) - Mastering domestic awards</li><li>(20:39) - Tackling international awards</li><li>(32:08) - New tools comparison</li><li>(35:08) - PointsYeah</li><li>(46:55) - Point.me</li><li>(50:45) - Seats.aero</li><li>(53:46) - ExpertFlyer</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Subscribe to our <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">private Discord community</a>------------------♡ 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️

Ep 60 - Booking Award Flights: Best Tools & Workflow

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2024/3/8/6/12343ae4-10de-4e4d-afe7-311d2989cee9_the_daily_churn_ep59_master.mp3

Massive Robinhood &amp; WeBull transfer bonuses, new Amex 10x dining referrals, Hyatt Destination stealth devals, Marriott &amp; Hilton FNC strategy, Target $50 coupons, increased Upgrade Savings bonus, Pepper 10% GC discounts, and much more!<ul><li>(02:38) - Travel News &amp; Updates</li><li>(17:30) - Banks</li><li>(21:44) - Credit Cards</li><li>(41:49) - Brokerages</li><li>(51:16) - Meal Kits</li><li>(53:12) - Discounts &amp; Freebies</li><li>(64:39) - Final Tally</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Subscribe to our <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">private Discord community</a>------------------♡ 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️

Ep 59 - February Recap: $5,628 + 464K Points

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2024/2/19/23/d4a0bd7e-11b6-45e2-9f77-644f9063342a_the_daily_churn_ep58_master_revised.mp3

Deep dive into the current state of ANA award bookings, new alternatives from Japan Airlines, why Cathay Pacific is the best JAL partner, plus tips for booking.<ul><li>(04:02) - ANA 2024 Update</li><li>(16:22) - New alternative: Japan Airlines</li><li>(24:44) - Why Cathay Pacific is the best JAL partner</li><li>(29:47) - More Cathay Pacific Benefits</li><li>(32:25) - Cathay x JAL Booking Process &amp; Quirks</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Subscribe to our <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">private Discord community</a>------------------♡ 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️

Ep 58 - How To Book ANA & Japan Airlines First & Business in 2024

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2024/2/6/1/c0a9ce56-9eb7-4e8a-a48f-3a839b5b8e4f_the_daily_churn_ep57_master.mp3

TMobile Keep &amp; Switch shenanigans, better Capital One offers, Amex Platinum retention strategy, Robinhood unlimited 1% and 3% transfer matches, increased Upgrade and M1 referral bonuses, HelloFresh 75% mailers, and much more!<ul><li>(00:00) - January Update</li><li>(05:15) - Credit Cards</li><li>(23:47) - Brokerages</li><li>(38:50) - Banks</li><li>(44:01) - Cellphones</li><li>(47:46) - Mealkits</li><li>(52:35) - Final Tally</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Subscribe to our <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">private Discord community</a>------------------♡ 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️

Ep 57 - January Recap: $3,052 + 362,500 Points

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2024/1/19/3/0d9f88ec-6022-439a-b39c-c6c218c34dc7_the_daily_churn_ep56_master.mp3

December churning recap &amp; 2023 earnings breakdown, plus a bonus recap of podcast listener &amp; subscriber stats, along with a special announcement!<ul><li>(06:22) - Credit Cards</li><li>(15:44) - Banks</li><li>(21:55) - Brokerages</li><li>(22:41) - Discounts &amp; Freebies</li><li>(27:58) - Final Tally (December)</li><li>(29:07) - End of Year Tally</li><li>(38:26) - Bonus: Podcast Recap 🤓</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Subscribe to our <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">private Discord community</a>------------------♡ 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️

Ep 56 - 2023 Recap: $36,417 + 2.47 Million Points 🤯

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2023/12/14/21/2e8c1cb9-04f9-46f1-a649-bf63f2cdbfde_the_daily_churn_ep55_master.mp3

Deep dive into the fascinating world of Roth IRA loopholes for early retirement, tips for optimizing income to reduce taxes &amp; maximize ACA benefits, plus common mistakes to avoid.<ul><li>(0:00) - Why Roth IRAs are amazing</li><li>(7:38) - Roth IRA Basics</li><li>(10:32) - Roth Conversion Ladders</li><li>(25:10) - Common Pitfalls &amp; Examples</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Subscribe to <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">Deals</a> 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️

Ep 55 - The Big Churn: Roth Conversion Ladders

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2023/12/5/0/334aea1b-4ada-4bce-96c4-ceb7f8950125_the_daily_churn_ep54_master.mp3

Black Friday haul 😤, major Hyatt &amp; 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!<ul><li>(01:45) - News &amp; Updates (ACA Silver Plans)</li><li>(04:08) - Award Travel (Hyatt, Avis, Hawaii, Premier Collection)</li><li>(09:42) - Discounts &amp; Freebies (Black Friday, RedCard, Amex Offers, Starbucks, HelloFresh)</li><li>(25:13) - Credit Cards (Amex Biz Plat, Southwest, Venture X, Marriott)</li><li>(36:16) - Banks (Unify, Ally, KeyPoint, Upgrade, SecurityPlus, Laurel)</li><li>(44:03) - Brokerages (MooMoo, WeBull)</li><li>(45:37) - Final Tally (1,724 + 250K Marriott)</li><li>(46:26) - Hawaii Trip Report</li><li>(53:57) - Premier Collection Trip Report</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Subscribe to <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">Deal Alerts</a> to get access to private deals &amp; 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️

Ep 54 - November Recap: $1,724 + 250K Marriott

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2023/11/16/23/0b991d3f-c4e0-4527-97ac-bf022e506fef_the_daily_churn_ep53_revised_descript_16.mp3

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.<ul><li>(0:00) - Intro to churning healthcare</li><li>(6:40) - How ACA actually works</li><li>(9:57) - Health plan tiers</li><li>(11:05) - Subsidy #1: Premium Tax Credit</li><li>(18:17) - Subsidy #2: Cost Sharing Reduction</li><li>(26:24) - Churning retirement</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Subscribe to <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">Deal Alerts</a> to get access to private deals &amp; 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️

Ep 53 - The Big Churn: ACA Health Subsidies

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2023/11/1/23/5b78f930-bf87-4788-9044-771424c1e088_the_daily_churn_ep52_master_revised.mp3

Redcard churns are baack, new Capital One &amp; Sapphire lounges, Southwest companion pass season, Amex incognito offers, Robinhood transfer bonuses, almost-free Netflix premium, CLEAR hacks, cheap Mario and much more!<ul><li>(00:59) - News (RedCard, Wyndham &amp; Vacasa, C1 lounge, Sapphire lounge, BofA Day)</li><li>(08:48) - Credit Cards (SW, Amex Gold &amp; Plat, Biz Venture X, BofA UCR, CIP)</li><li>(21:11) - Banks (C1, Ally, Upgrade)</li><li>(23:07) - Brokerages (Wells Fargo, Robinhood, MooMoo, WeBull)</li><li>(29:08) - Discounts &amp; Freebies (VZW &amp; Netflix, Clear, QVC, Amex, Lowes, Marriott, Amazon, Starbucks, Chipotle)</li><li>(40:31) - Final Tally ($4,180 + 270K UR)</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Subscribe to <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">Deal Alerts</a> to get access to private deals &amp; 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️

Ep 52 - October Recap: $4,180 + 270K Points

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2023/10/16/23/0d90d421-b8df-46b1-bdc5-c506834c7ccb_the_daily_churn_ep51_master.mp3

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 🤓<ul><li>(02:58) - Basics of buying groups</li><li>(04:33) - Why use buying groups</li><li>(06:44) - Typical order flow</li><li>(07:39) - Buying group taxes</li><li>(11:59) - Which buying group to join</li><li>(13:38) - Why BuyForMeRetail</li><li>(18:08) - Risks of buying groups</li><li>(22:38) - Ordering from Amazon</li><li>(28:08) - Workarounds: ship to home</li><li>(30:02) - Workarounds: address formatting</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Subscribe to <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">Deal Alerts</a> to get access to private deals &amp; 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️Have questions? <a href="https://thedailychurnpodcast.com/ep-51-buying-groups-101/#ghost-comments" rel="nofollow">Leave a comment</a> to get answers, share datapoints, or just say hello 👋

Ep 51 - Buying Groups

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2023/10/4/23/c9c4d204-54c6-4aed-b46b-736b79612b62_the_daily_churn_ep50_master_revised.mp3

Airline status matches and Globalist hacks, new bonuses from Morgan Stanley &amp; Chase Inks, BofA app-o-ramas, new iPhone 15 Pros, Rakuten mealkit moneymakers, burger crawls, free peloton water bottles, and much more!<ul><li>(01:43) - News (Prime day, Globalist hacks, Delta fiasco, Churning podcasts)</li><li>(11:49) - Credit Cards (Brilliant, SW CP, MS Plat, BofA CCR &amp; UCR, CIP, CIU, CIC)</li><li>(30:41) - Banks (USB, Cap1, Ally, Fidelity, Keypoint, Upgrade, Laurel)</li><li>(38:10) - Brokerages (MooMoo)</li><li>(39:35) - Cell Phones (Verizon, iPhone 15 Pro)</li><li>(46:22) - Meal Kits (Rakuten, Daily Harvest)</li><li>(50:05) - Discounts &amp; Freebies (Dell, Petsmart, McD, Wendys, BK, Costco, Peloton)</li><li>(57:03) - Final Tally ($2,988 + 300K UR + 150K MR)</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Subscribe to <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">Deal Alerts</a> to get access to private deals &amp; 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️Have questions? <a href="https://thedailychurnpodcast.com/ep-50-september-recap/#ghost-comments" rel="nofollow">Leave a comment</a> to get answers, share datapoints, or just say hello 👋

Ep 50 - September Recap: $2,988 + 450K Points

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2023/9/18/22/2f0ca05b-2a78-4b57-9154-a2b5bfc5ee8f_the_daily_churn_ep49_master_revised.mp3

Deep-dive into the unique features that make Ally and Fidelity the best hub accounts for churning bank and brokerage bonuses.<ul><li>(3:54) - Ally $200 checking bonus</li><li>(4:45) - Ally savings account</li><li>(6:16) - Ally transfer limits &amp; volume 🚀</li><li>(7:40) - Ally scheduling &amp; automation</li><li>(9:17) - Ally same-day ACH transfers</li><li>(12:19) - Ally quirks</li><li>(13:30) - Fidelity $100 bonus</li><li>(14:12) - Fidelity Bloom $135 bonus</li><li>(15:02) - Fidelity Cash Management Account</li><li>(17:55) - Fidelity CMA vs Brokerage</li><li>(21:03) - Super fast account opening 🕺</li><li>(22:32) - ACATS stocks into Fidelity</li><li>(24:27) - ACATS stocks out of Fidelity</li><li>(28:47) - Fidelity P2 stock transfers</li><li>(30:18) - Fidelity zero-fee index funds</li><li>(33:07) - Fidelity free HSA</li><li>(33:37) - Fidelity vs Vanguard</li><li>(35:11) - Fidelity subreddit 🤯</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Subscribe to <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">Deal Alerts</a> 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️Have questions? <a href="https://thedailychurnpodcast.com/ep-49-ally-fidelity-best-hub-churning-bonuses/#ghost-comments" rel="nofollow">Leave a comment</a> to get answers, share datapoints, or just say hello 👋

Ep 49 - Ally & Fidelity: Best Hub Accounts for Churning

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2023/9/4/20/81e2ff72-c78e-4104-9f11-5c85c6440093_the_daily_churn_ep48_master.mp3

Another blockbuster month, with bonuses from US Bank &amp; MooMoo, new offers from Ally &amp; Fidelity, CC spend from buying groups &amp; Kroger, updates on Save, Chase ACH &amp; I-Bonds, freebies from Amazon &amp; Peloton, and much more!<ul><li>(00:34) - Intro</li><li>(03:52) - Credit Cards (Marriot 5N, P3, CIP, BFMR)</li><li>(13:33) - Banks (US Bank, Fidelity, Boss Money, Ally, Chase ACH, I-Bonds)</li><li>(22:36) - Brokerages (Wells Fargo, UNest, Ally, Save, MooMoo)</li><li>(31:23) - Discounts &amp; Freebies (Kroger 4x, Amazon, Peloton, DPs)</li><li>(36:55) - Final tally ($7,835 + 40K points)</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Subscribe to <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">Deal Alerts</a> 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️Have questions? <a href="https://thedailychurnpodcast.com/ep-48-august-recap/#ghost-comments" rel="nofollow">Leave a comment</a> to get answers, share datapoints, or just say hello 👋

Ep 48 - August Recap: $7,835 + 40K Points

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2023/8/15/22/da18ec02-bbb4-4b36-8bd1-17066b021f5a_the_daily_churn_ep47_master.mp3

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.<ul><li>(00:34) - Kroger overview</li><li>(06:28) - How the Fuel Points program works</li><li>(10:37) - Casual shopper usage</li><li>(13:57) - Higher volume usage</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Join <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">Deal Alerts</a> to get notified of sensitive deals + access to the private Discord chat group

Ep 47 - How to Maximize Kroger Fuel Points

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2023/8/1/1/bc2c335c-d468-4f33-852d-eb8965cb82b6_ep_46_-_with_music_-_descript.mp3

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!<ul><li>(1:31) - News (Private Discord, MGM/Hyatt/MGM, PD TV, Kroger, Hanscom)</li><li>(8:07) - Credit Cards (Ink Preferred, IHG)</li><li>(12:21) - Banks (Wells Fargo, Gateway, US Bank, Upgrade, Oxygen, Laurel, Save)</li><li>(22:36) - Brokerages (MooMoo, UNest)</li><li>(27:50) - Hacks, Freebies &amp; Discounts (Apple, McDonalds, Chick-fil-A, Amazon)</li><li>(32:23) - Final tally ($1,410 + 195K Points)</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> for real-time updates on all the churns as they happen🔒 Join <a href="https://thedailychurnpodcast.com/deals/" rel="nofollow">Deal Alerts</a> 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️Have questions? <a href="https://thedailychurnpodcast.com/ep-46-july-recap/#ghost-comments" rel="nofollow">Leave a comment</a> to get answers, share datapoints, or just say hello 👋

Ep 46 - July Recap: $10,893 + 165K IHG

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2023/7/10/20/04092ddb-d52b-4440-b061-441cd58646a3_ep_45_-_with_music_-_descript.mp3

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 &amp; more!<ul><li>(1:43) - News (Deal Alerts, Target RedCard, Prime Day, Dell, Marriott, Costco)</li><li>(10:57) - Brokerages (MooMoo, UNest)</li><li>(18:04) - Banks (Wells Fargo, US Bank, Chase, Oxygen, Laurel, I-Bonds)</li><li>(24:34) - Credit Cards (IHG, Ink Preferred, Leverage, Hilton, Marriott)</li><li>(33:04) - Freebies &amp; Discounts (Bilt, Lyft, Cap1, DoorDash, Southwest, Amazon)</li><li>(36:13) - Final tally ($1,410 + 195K Points)</li><li>(36:57) - Deal Alerts beta 🔒</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️Have questions? <a href="https://thedailychurnpodcast.com/ep-45-deal-alerts-june-recap/#ghost-comments" rel="nofollow">Leave a comment</a> to get answers, share datapoints, or just say hello 👋

Ep 45 - Deal Alerts & June Recap

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2023/6/21/3/d16b6196-1829-4773-b1ed-e25bfbbd68f3_ep_44_-_with_music_-_descript.mp3

Most of us are out of practice, and bad at it. Like public speaking, it&#39;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?<ul><li>(0:00) - Why ask for more?</li><li>(5:06) - Attitude &amp; Approach</li><li>(7:58) - Four types of people</li><li>(12:43) - The Goldilocks Zone</li><li>(14:13) - Four magic words</li><li>(20:56) - How to push one extra step</li><li>(26:11) - When to escalate</li><li>(28:48) - Recognize openings</li><li>(31:14) - Get your reps in</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️Have questions? <a href="https://thedailychurnpodcast.com/ep-44-how-to-ask-for-upgrades/#ghost-comments" rel="nofollow">Leave a comment</a> to get answers, share datapoints, or just say hello 👋

Ep 44 - Asking for More: How to Ask for Upgrades, Discounts & Free Stuff

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2023/6/6/21/d22b830d-b5fb-4867-a865-4a7ccd55479c_ep_43_-_with_music_-_descript.mp3

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&#39;re transferring all of our brokerage accounts to Fidelity, plus much more!<ul><li>(3:04) - Award travel (Bonvoy Hawaii)</li><li>(8:19) - Credit cards (Marriott Boundless, IHG Biz, Amex Biz Plat NLL)</li><li>(10:31) - Banks (US Bank Biz, Oxygen, Laurel)</li><li>(15:43) - Parking Cash (I-Bonds, Juno, Public)</li><li>(19:48) - Brokerages (Fidelity, Wells Fargo, Interactive Brokers)</li><li>(31:31) - Hacks / Discounts / Freebies (Petsmart, Rakuten, Amazon, Bud)</li><li>(35:36) - News (Redcards, Daily Getaways)</li><li>(38:48) - Final tally ($2,660 + 250K Marriott)</li></ul> ------------------📬 Join the newsletter for show notes, links, and episode updates: <a href="https://thedailychurnpodcast.com/" rel="nofollow">thedailychurnpodcast.com</a>⚡️ View the <a href="https://thedailychurnpodcast.com/tracker/" rel="nofollow">live churn tracker</a> 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 <a href="https://podcasts.apple.com/us/podcast/the-daily-churn/id1577648675" rel="nofollow">Apple</a> or <a href="https://open.spotify.com/show/0ZsjcW5XmvliEp3QQRwWSo" rel="nofollow">Spotify</a>. The algorithm gods (and me) thank you for your sacrifice 🙇‍♂️Have questions? <a href="https://thedailychurnpodcast.com/ep-43-may-recap/#ghost-comments" rel="nofollow">Leave a comment</a> to get answers, share datapoints, or just say hello 👋

Ep 43 - May Recap: $2,660 + 250K Marriott

Anyone can churn anything. Each week, learn how to churn something new and novel, from credit card & bank bonuses to churning FIRE, cellphones, award programs, travel hacks, even cars.

Anyone can churn anything. Each week, learn how to churn something new and novel, from credit card & bank bonuses to churning FIRE, cellphones, award programs, travel hacks, even cars.

Decades of churning experience packed into short, easy-to-follow episodes you can use right now to live a more financially independent life.