All the Hacks: Money, Points & Life

#269: Chris breaks down why he transferred >200k points for a transfer bonus and how to know when they're actually worth it. He also covers Hyatt's new award chart changes, the latest elevated welcome offers, and how he's using multiple AI agents to optimize his work and life.

Link to Full Show Notes: https://chrishutchins.com/transfer-bonuses-hyatt-devaluation-ai

Partner Deals

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

Fabric: Affordable term life insurance for you and your family

Gusto: Free 3-month trial of the #1 payroll software

Mercury: Manage, move, and grow your money

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

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

Resources Mentioned

AI Models & Assistants

ChatGPT

OpenClaw

Gemini


Claude | Claude Cowork

Oura Ring

OpenSnow

Gridfinity

JAL USA CARD

Rove Miles

Transfer Bonuses in March 2026

Citi → Wyndham: 25% bonus (ends 3/21)

Amex → Avianca LifeMiles: 15% bonus (ends 3/28)

Rove Miles → Japan Airlines: 50% bonus (ends 3/31)

Capital One → Preferred Hotels: 30% bonus (ends 3/31)

Massive Hyatt Points Devaluation

Credit Cards

Best Cards Page

Robinhood Gold Card

U.S. Bank Smartly™ Visa

Bilt Palladium Card (Rates and fees here)

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Reserve Business American Express Card

Hilton Honors American Express Card

Hilton Honors American Express Surpass® Card

The Hilton Honors American Express Business Card

Hilton Honors American Express Aspire Card

The Platinum Card® from American Express

American Express® Business Gold Card

The Business Platinum Card® from American Express

WHOOP (1 month free here)

Function Health

ATH Podcast

Ask Chris Anything!

Newsletter

Ep #265: I Built an AI Assistant That Works While I Sleep

Ep #264: Deep Dive on Bilt Rewards and New Bilt 2.0 Cards

Leave a review: Apple Podcasts | Spotify

Email for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(00:55) Chris's New AI Agent

(04:00) How To Leverage Claude Cowork 

(06:14) How Chris Used AI to Build a New CardTool

(08:52) The Future of The Internet 

(17:21) 3D Printing

(18:39) Taking Advantage of Transfer Bonuses

(21:56) Bilt Rent Day Transfer Bonuses

(27:09) Rove Transfer Bonus to JAL & Other Bonuses

(33:22) Hyatt's Massive Devaluation

(38:54) How to Get More Points with Potential Devaluations

(41:15) Welcome Offers on Delta Cards

(45:12) Welcome Offers on United Cards

(48:28) Welcome Offers on Hilton Cards

(51:13) Welcome Offers on Southwest Cards

(53:30) Cards with Big-Point Offers 

(54:13) Find the Latest Deals on the ATH Newsletter 

(54:45) Card-Linked Deals for Whoop and Function Health

Connect with Chris

Newsletter | Membership | X | Instagram | LinkedIn

Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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#268: Learn why setting big goals might actually be holding you back and what to do instead. Chris and Anne-Laure explore how to replace goal-setting with tiny, low-risk experiments that lead to more growth, more joy, and less burnout.

Anne-Laure Le Cunff is a neuroscientist, writer, and founder of Ness Labs, a learning community at the intersection of science and self-development. She is the author of Tiny Experiments and publishes a weekly newsletter on mindful productivity, creativity, and growth.

Link to Full Show Notes: https://chrishutchins.com/tiny-experiments-anne-laure-le-cunff/

Partner Deals

Shopify: $1/month trial for the easiest e-commerce platform

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

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

Green Chef: 50% off on your first box + 20% off for two months with code 50ALLTHEHACKS

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

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

Resources Mentioned

Anne-Laure: Website | Newsletter | Instagram


Tiny Experiments


Ness Labs

ATH Podcast


Ep #256: The Easy Way to Build and Maintain Meaningful Relationships with Nick Gray


Leave a review: Apple Podcasts | Spotify


Email for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(01:01) The Problem with Setting Big Goals

(02:42) When Goal Setting Becomes Counterproductive

(03:41) Why Tiny Experiments Beat Goals

(06:07) The Missing Ingredients That Make Experiments Actually Work

(08:29) How an Experimental Mindset Rewires Your Brain

(10:11) How Anne-Laure Adopted an Experimental Mindset

(13:38) What Happened When Anne-Laure Redefined Success

(16:29) How to Run a Tiny Experiment

(18:22) Real-World Examples You Can Try Immediately

(20:10) Why Smaller Is Always Better When Starting Out

(22:28) How to Experiment Without Burning Out

(25:05) Tracking Both External Results and Internal Signals

(30:10) The Simple Weekly Review That Keeps Experiments on Track

(32:18) Balancing Experimentation With Actually Living Your Life

(35:45) Applying Experimentation to Financial Security

(39:33) The Real Reason We Over-Optimize

(42:15) When Optimizing Is Actually the Right Move

(46:09) Balancing Excitement With Long-Term Priorities

(50:12) Measuring Time Differently

(52:20) Simple Rituals for Getting Present

(53:25) Why Experimenting Publicly Accelerates Growth

(57:26) How to Run Your Very First Experiment

(59:26) Where to Find Anne-Laure and Her Work

Connect with Chris

⁠Newsletter⁠ | ⁠Membership⁠ | ⁠X⁠ | ⁠Instagram⁠ | ⁠LinkedIn⁠

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

#267: Chris reviews his credit card lineup for 2026, sharing which cards he's keeping and canceling and why. He also covers how to evaluate annual fees, the best cards across major spending categories, and the apps he uses to stay on top of it all.

Link to Full Show Notes: https://chrishutchins.com/whats-in-my-wallet-2026/

Link to Cards Mentioned: https://chrishutchins.com/blog/whats-in-my-wallet-for-2026/

Partner Deals

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

Wispr Flow: Try effortless voice dictation for free

Mercury: Manage, move, and grow your money

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

LMNT: Free sample pack of my favorite electrolyte drink mix

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

Resources Mentioned

CardTool App (Free access here)

⁠Credit Card Holder Wallet⁠

1Password

Blog Posts

Premium Card Worksheet

How to maximize your Hilton cards

6 reasons to avoid booking through an online travel agency

Existing Bank of America relationship customers to keep status longer

Credit Card Trackers


CardPointers Pro (30% off here and 50% off here)

CardRight

Travel Freely

ATH Podcast

Best Cards Page

CardTool App

Membership

Chris’s Card Optimization Spreadsheet

AMA: Submit A Question

Leave a review: Apple Podcasts | Spotify

Email for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(02:42) 3 Key Reasons to Get A Credit Card

(05:23) Chris' Credit Card Goals for 2026

(08:31) Evaluating The Net Annual Fee of A Card

(12:56) The Amex Card Stack

(23:19) Co-Branded Marriott Cards

(25:32) Co-Branded Hilton Cards

(27:00) Co-Branded Delta Cards

(28:12) The Amex Blue Card

(30:34) A Popular Bank's Cards

(33:10) World of Hyatt Business Card

(33:30) Co-Branded Southwest & United Cards

(40:41) More Cards From The Popular Bank

(42:11) Capital One Venture Cards

(45:17) Bank of America Card Stack

(51:09) Alaska Atmos Cards

(53:24) US Bank Cards

(55:22) Citi Bank Cards

(56:56) Wells Fargo Autograph Card

(57:43) The Bilt Palladium Card

(59:25) Assessing The Major Spending Categories

(01:06:32) Cards for Amazon & Costco

(01:07:13) The Best "Everything Else" Card

(01:08:47) Chris's Takeaway on Credit Card Spending Categories

(01:09:26) The Best Card Combos

(01:13:00) Credit Card Trackers

Connect with Chris

Newsletter | Membership | X | Instagram | LinkedIn

Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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#266: Chris and Maya break down the science-backed tools that make change easier and more intentional. They explore why most people misunderstand change, how to anchor your identity to your deeper “why,” and practical tools to break out of rumination and navigate uncertainty.

Maya Shankar is the bestselling author of The Other Side of Change, and hosts the podcast A Slight Change of Plans. She previously served as a Senior Advisor in the Obama White House, where she founded and led the White House Behavioral Science Team.

Link to Full Show Notes: https://chrishutchins.com/navigating-change-maya-shankar

Partner Deals

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

Gusto: Free 3-month trial of the #1 payroll software

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

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

Fabric: Affordable term life insurance for you and your family

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

Resources Mentioned

Maya: Website | Instagram

Book: The Other Side of Change

Podcast: A Slight Change of Plans

Quit: The Power of Knowing When to Walk Away by Annie Duke

Deep Personality Assessment

ATH Podcast

Ep #81: Making Smarter Decisions and Knowing When to Walk Away with Annie Duke

Ep #265: I Built an AI Assistant That Works While I Sleep

Leave a review: Apple Podcasts | Spotify

Email for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(00:38) What People Get Wrong About Change

(05:14) The Antidote That Makes Change Easier

(12:11) Past Change vs. Intentional Change

(16:02) Maximisers vs. Satisficers

(19:10) Anchor Your Identity to Your Why

(23:15) How to Discover Your Why

(25:03) Navigating Change With a Very Different Partner

(29:17) Breaking the Rumination Cycle

(29:58) Mental Time Travel

(31:55) Affect Labeling

(32:39) Tools for Better Self-Understanding

(36:01) AI as a Conversational Partner

(39:43) Tactics For Thinking Through Big Changes

(42:01) Moral Elevation

(43:36) Why Reading Fiction Matters

(44:29) Repurposing Your Experience

(45:34) The First Step When Everything Changes

(47:31) Where to Find More From Maya

Connect with Chris

Newsletter | Membership | X | Instagram | LinkedIn

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

#265: Chris explores how modern AI tools have eliminated the barriers to building software, why planning matters more than coding skill, how anyone can turn a simple problem into a working app faster and cheaper than ever before, and how he built a personal AI assistant that's already started to run his life behind the scenes.

Link to Full Show Notes: https://chrishutchins.com/how-to-build-with-ai-tools

Partner Deals

Green Chef: 50% off on your first box + 20% off for two months with code 50ALLTHEHACKS

Mercury: Help your business grow with simplified finances

NetSuite: Free KPI checklist to upgrade your business performance

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

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

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

Resources Mentioned

AI Models & Assistants

ChatGPT

OpenClaw

Gemini

Claude

AI Coding & Building Tools

Replit

Lovable

Cursor

Codex

Productivity & Automation Tools

Wispr Flow

Zapier

Nimble Links

Tampermonkey

Developer Infrastructure

Clerk

Supabase

GitHub

FinTech: Plaid

How to Run OpenClaw as your Virtual EA

Blogs

Doctor of Credit

Frequent Miler

The Points Guy

Deep Personality

Credit Cards

American Express® Gold Card

Citi Strata Elite℠ Card

Citi Strata Premier℠ Card

Bilt 2.0

ATH Podcast

Ep #263: How to Earn Millions of Points and More Listener Q&A

Chris’ Card Optimizer Tool

Ask Chris Anything!

Leave a review: Apple Podcasts | Spotify

Email for questions, hacks, deals, and feedback: [email protected]

Full Show Notes

(00:00) Introduction

(01:41) Why This Is the Best Time Ever to Build Software

(04:14) How to Build Almost Anything with AI

(13:53) Why Context Is the Real Superpower

(15:58) Using Planning Mode Instead of Guessing

(16:41) Which AI Tool Should You Start With?

(17:53) Building a Real Credit Card Optimizer from Scratch

(28:48) What It Actually Costs to Build with AI

(32:38) The Real AI Learning Curve

(33:38) Moving from Cursor to Claude Code

(36:17) Why You Should Try Building Something (Even If You're Not a Coder)

(37:00) How OpenClaw Changes the Game

(38:57) Why Security Still Matters

(42:25) A Conversation with Ted, Chris' AI Assistant

(44:07) Letting AI Work While You Sleep

(49:41) Learning to Be Clear, Specific, and Intentional

(50:03) Start with a Real Problem

(50:39) Breaking Projects into Small, Winnable Pieces

(50:58) What Would You Build If Building Were Easy?

(51:59) Keeping Track of Cost and Budget

Connect with Chris

Newsletter | Membership | X | Instagram | LinkedIn

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