• Why Net Fulfillment Beats Net Worth with Bill Perkins
    Jul 1 2026
    #285: Bill Perkins joins Chris to unpack what dying with zero really means in practice. They discuss why net fulfillment matters at every stage of life, which experiences are worth prioritizing now, how to bank memory dividends, the questions to ask yourself before spending (or saving), and how to solve for maximum fulfillment.⁠Bill Perkins⁠ is a hedge fund manager, energy trader, and author of the international bestseller ⁠Die With Zero.Link to Full Show Notes: https://chrishutchins.com/bill-perkins-net-fulfillment-beats-net-worth⁠Partner DealsHaven: ⁠Skip the waitlist for the best sauna⁠.Gelt: ⁠⁠Skip the waitlist on personalized tax guidance to maximize your wealth⁠Copilot Money: ⁠⁠Free 2 months access to my favorite personal finance app with code HACKS2⁠DeleteMe: ⁠⁠20% off removing your personal info from the web⁠Mercury: ⁠Help your business grow with simplified finances⁠For all the deals, discounts and promo codes from our partners, go to: ⁠⁠chrishutchins.com/deals⁠Resources MentionedBill Perkins: ⁠Instagram⁠ | ⁠Website⁠ | ⁠X⁠Book: ⁠Die With Zero: Getting All You Can from Your Money and Your Life⁠Full-body MRI Scan: ⁠Prenuvo⁠⁠Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence⁠ATH Podcast#40: ⁠The Power of Regret, Motivation and Good Timing with Daniel Pink⁠⁠Newsletter⁠AMA: ⁠Submit Questions⁠Leave a review: ⁠Apple Podcasts⁠ | ⁠Spotify⁠Email for questions, hacks, deals, and feedback: ⁠podcast@chrishutchins.com⁠Full Show Notes(00:00) Introduction(01:27) Who Die With Zero Is Really For(02:32) Defining Net Fulfillment(03:14) Common Misconceptions People Have About Retirement and Spending(05:07) Why Money's Value Declines as You Age(09:12) Time Bucketing vs. a Bucket List(14:06) Memory Dividends: How Experiences Pay You Back for Life(20:47) Tactics to Make Your Memories Pay Bigger Dividends(22:12) Why You Should Start Investing in Experiences Now(25:39) How Far in Advance Should You Bucket Your Experiences?(27:27) The Experiences to Prioritize in Your 20s and 30s(30:35) Chris' Backpacking Trip(31:33) How to Avoid Getting Stuck on the Hamster Wheel(33:58) The Five Whys: Questioning the Outcome You Actually Want(35:54) Bill's Advice to People Who Are Contemplating a Career Upgrade(39:40) What to Do If You're Afraid of Running Out of Money(40:39) Attach Your Efforts to Your Goals(42:52) Letting Go of the Fear of Failure(44:51) Reframe Your Mindset to Minimize Future Regret(47:53) Do the Bold Thing(49:00) What an Hour of Your Time Is Really Worth(52:06) Should You Be Spending More or Less Money?(56:47) How Much You Need and When You Can Stop Saving(01:01:53) Why Doing It Now Also Benefits Your Future Self(01:02:32) The Coke vs. Pepsi Experiment and How Memory Works(01:03:46) Deconstructing What You Love About Your Job(01:05:57) What Bill Loves and Hates About the FIRE Movement(01:10:58) Get Past Your Habits and Ego to Unlock More Choices(01:12:44) Why Chris Set a Lower Net Worth Goal(01:16:08) Solving for Maximum Fulfillment(01:20:47) The Health Habits That Unlock Everything Else(01:24:24) Why Diagnostics Are Key to Catching Disease Early(01:27:58) Where to Find Bill PerkinsConnect with Chris⁠⁠⁠Newsletter⁠⁠⁠ | ⁠⁠Membership⁠⁠⁠ | ⁠⁠X⁠⁠⁠ | ⁠⁠Instagram⁠⁠⁠ | ⁠⁠LinkedIn⁠⁠⁠Editor’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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    1 hr and 30 mins
  • 20+ Credit Card Benefits You’re Probably Not Using
    Jun 24 2026
    #284: Chris breaks down the credit card benefits that save real money but rarely get attention, from getting a cracked iPhone repaired for free to purchase protections, travel coverage, and a deep bench of lesser-known perks. Learn exactly which card to reach for on every purchase, so you're always covered and never leaving money on the table.Link to Full Show Notes: ⁠https://chrishutchins.com/hidden-credit-card-benefits-2026/⁠Partner DealsFora: ⁠Become a Fora Advisor today⁠Bilt Rewards: ⁠⁠Earn the most valuable points when you pay rent⁠Mercury: ⁠Help your business grow with simplified finances⁠Quince: ⁠Affordable luxury essentials with free shipping + 365 day returns⁠LMNT: ⁠⁠Free sample pack of my favorite electrolyte drink mix⁠For all the deals, discounts and promo codes from our partners, go to: ⁠⁠chrishutchins.com/deals⁠Resources MentionedTools & Apps⁠CardPointers: 30% off⁠ (50% off for ⁠ATH Members⁠)⁠GigSky⁠⁠The Cultivist⁠Benefit Programs⁠Sapphire Tables (via OpenTable)⁠⁠Resy⁠⁠Mastercard Priceless⁠⁠Visa Universal Studios discounts⁠⁠SoFar Sounds⁠⁠Troon Rewards⁠⁠Discover Cash at Checkout⁠⁠Amex Venmo Send and Split⁠ATH PodcastEp #66: ⁠Rental Cars: Saving Money, Avoiding Fees and All the Secret Tricks with Jonathan Weinberg⁠Ep #113: ⁠Unlocking the Power of Plastic: Maximizing Your Hidden Credit Card Benefits⁠Ep #221: ⁠Deep Dive on Credit Reports, Scores, and Their Real-World Impact⁠Ep #224: ⁠Airport Lounges: Getting In, Hidden Perks and Expert Tips with Kevin Song⁠Ep #283: ⁠Do You Actually Need Travel Insurance?⁠⁠Hotel Upgrade Program⁠⁠Best Cards Page⁠⁠Gift Cards Page⁠⁠Newsletter⁠AMA: ⁠Submit Questions⁠Leave a review: ⁠Apple Podcasts⁠ | ⁠Spotify⁠Email for questions, hacks, deals, and feedback: ⁠podcast@chrishutchins.com⁠Full Show Notes(00:00) Introduction(02:15) Purchase Benefits Overview(02:36) Purchase Protection: Coverage for Damaged or Stolen Items(05:15) How Extended Warranty Protection Works(06:36) Return Protection for Items Stores Won’t Take Back(07:55) When Price Protection Can Save You Money(12:27) Travel Benefits Overview(12:46) Trip Cancellation & Interruption Insurance(13:22) Trip Delay Coverage(13:47) Delayed Luggage Reimbursement(14:04) Lost and Damaged Bag Insurance(16:01) Rental Car Coverage: Primary vs. Secondary Insurance(21:37) Emergency Medical Coverage While Traveling(22:54) Non-Emergency Medical and Dental Coverage(23:22) What Travel Accident Insurance Actually Covers(23:53) Lounge Access Across Issuers and Networks(25:06) Booking the Luxury Hotel Collections for Free Perks(29:34) Free International Data and Roaming Benefits(31:46) Global Entry, TSA PreCheck & Trusted Traveler Credits(32:29) Cell Phone Protection Benefits(35:12) How to Maximize Card-Linked Offers(36:16) Automating Card-Linked Offers With CardPointers(37:26) What Credit Card Concierge Services Can Actually Do(38:49) Free Credit Scores and Credit Monitoring Tools(40:06) The Chase Instacart Benefit (and How to Stack It)(45:18) The Chase DoorDash Benefit(47:31) Exclusive Restaurant Reservation Programs(48:30) American Express Uber Benefits(49:14) Lyft Perks for Mastercard Holders(49:43) Capital One Entertainment and Drink Benefits(50:24) Free Museum Access With Bank of America and Capital One(52:22) Experience and Entertainment Programs(54:11) Getting Cash Out of Your Credit Card Benefits(55:50) Instant Approval and Virtual Card Numbers(58:02) Visa Network Benefits Worth Knowing(59:26) Mastercard Network Perks: Transit, Peacock, Airport Fast Track & Soho FriendsConnect with Chris⁠⁠⁠Newsletter⁠⁠⁠ | ⁠⁠Membership⁠⁠⁠ | ⁠⁠X⁠⁠⁠ | ⁠⁠Instagram⁠⁠⁠ | ⁠⁠LinkedIn⁠⁠⁠Editor’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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    1 hr and 3 mins
  • Do You Actually Need Travel Insurance?
    Jun 17 2026
    #283: Learn exactly when to buy travel insurance and when your credit cards already have you covered. Chris breaks down what travel insurance covers, how those benefits compare to the coverage built into popular credit cards, and when it makes sense to buy additional protection. Plus, what US health insurance actually covers abroad, and specialty policies worth getting for medical evacuation, scuba diving, and trips off the beaten path.Link to Full Show Notes: ⁠https://chrishutchins.com/travel-insurancePartner DealsZocdoc: ⁠Find and instantly book a doctor you love today⁠DeleteMe: ⁠⁠20% off removing your personal info from the web⁠Gelt: ⁠⁠Skip the waitlist on personalized tax guidance to maximize your wealth⁠Wispr Flow: ⁠⁠Try effortless voice dictation for free⁠Fabric: ⁠⁠Affordable term life insurance for you and your family⁠For all the deals, discounts and promo codes from our partners, go to: ⁠⁠chrishutchins.com/deals⁠Resources MentionedCredit Cards:Best Cards Page ⁠June's Best Welcome Offers⁠Travel Insurance Providers⁠Allianz Travel Insurance⁠⁠Berkshire Hathaway Travel Protection⁠⁠Travel Guard⁠⁠World Nomads⁠⁠Travel Insured International⁠⁠Blue Cross Blue Shield Travel Insurance (BCBS Global Solutions)⁠⁠Squaremouth⁠Medical Evacuation & Specialty Coverage⁠Medjet⁠⁠Global Rescue⁠⁠AirMed⁠⁠Covac Global⁠⁠Redpoint Travel Protection⁠⁠American Alpine Club⁠⁠Divers Alert Network (DAN)⁠⁠Garmin SAR Insurance⁠Health Insurance Resources⁠Blue Cross Blue Shield Global Core⁠⁠Kaiser Permanente International Coverage⁠⁠Christian Healthcare Ministries⁠⁠Medicare Plan G / Medigap (Medicare.gov)⁠⁠LifeX Research⁠ATH PodcastEp #277: ⁠The Japan ER Visit That Changed How We Travel (& Tokyo Disney) with Amy Fox⁠Ep #113: ⁠Unlocking the Power of Plastic: Maximizing Your Hidden Credit Card Benefits⁠⁠Newsletter⁠Leave a review: ⁠Apple Podcasts⁠ | ⁠Spotify⁠Email for questions, hacks, deals, and feedback: ⁠podcast@chrishutchins.com⁠Full Show Notes(00:00) Introduction(01:30) What Trip Cancellation Insurance Actually Covers(04:41) How Trip Change and Interruption Coverage Works(05:40) Reimbursement Limits for Trip Delays(06:39) Lost and Delayed Bag Coverage Explained(08:01) Emergency Medical Evacuation & Repatriation Coverage(09:24) Political Security and Disaster Evacuation Coverage(09:49) Medical and Dental Expense Limits While Abroad(10:11) How Accidental Death and Dismemberment Insurance Works(10:27) Travel Insurance Add-Ons Worth Considering and a High-Level Recap(13:38) Pricing Out Real Policies for a Two-Week Europe Trip(17:24) Coverage You Likely Already Have vs. Unique Policies Worth Buying(18:18) What Counts as a Premium Credit Card?(18:58) How Cards Stack Up on Trip Cancellation and Interruption(21:32) Coverage for Award Flights Booked with Points(28:10) Price Drop Protection(28:46) Where Credit Card Trip Delay Coverage Beats Travel Insurance(30:05) Delayed Luggage Coverage on Premium Cards(31:41) Lost Bag Protection & Reimbursement Limits(34:02) Emergency Evacuation Benefits Included with Credit Cards(37:07) What Travel Accident Insurance Really Pays Out(39:07) When Standalone Travel Insurance Makes More Sense(39:31) Emergency Medical Coverage While Traveling Abroad(40:11) Rental Car Coverage and Primary vs. Secondary Insurance(46:12) What Credit Cards Cover Well(47:27) What US Health Insurance Actually Covers Abroad(50:54) How Health Sharing Plans Handle International Travel(51:43) Understanding Medicare Coverage Abroad(53:13) Handling Non-Emergency Medical Issues Overseas(56:22) Getting Evacuated to the Hospital of Your Choice(59:21) Specialty Coverage for Search and Rescue(01:00:57) Why Scuba Divers Need a Dedicated Membership(01:02:07) Travel Insurance Takeaways & Final RecommendationsConnect with Chris⁠⁠⁠Newsletter⁠⁠⁠ | ⁠⁠Membership⁠⁠⁠ | ⁠⁠X⁠⁠⁠ | ⁠⁠Instagram⁠⁠⁠ | ⁠⁠LinkedIn⁠⁠⁠Editor’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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    1 hr and 10 mins
  • Saving Money and Optimizing is My Kryptonite
    Jun 10 2026
    #282: When does optimization stop helping and start hurting? Chris shares how a string of seemingly smart decisions had him pouring hours into marginal gains that never materialized. He unpacks the hidden cost of optimization, the role AI plays in amplifying it, and how he's learning to focus on what actually moves the needle.Link to Full Show Notes: https://chrishutchins.com/optimizing-is-my-kryptonite/Partner DealsNetSuite: ⁠⁠Free KPI checklist to upgrade your business performance⁠Superhuman: ⁠⁠Free month of the fastest and best email with code ALLTHEHACKS⁠Green Chef: ⁠⁠50% off your first month + 20% off for two months with code 50ALLTHEHACKS⁠Upwork: ⁠⁠Free job posting to find, hire, and pay top freelance talent⁠Mercury: ⁠⁠Manage, move, and grow your money⁠For all the deals, discounts and promo codes from our partners, go to: ⁠⁠chrishutchins.com/deals⁠Resources MentionedArticles & Podcasts⁠Every⁠After Automation: ⁠Article⁠ | ⁠Podcast⁠Tools & Apps⁠PointsPath⁠ (use code ALLTHEHACKS15 for 15% off Pro)⁠Autopilot⁠ (first $100 in savings free)⁠Claude⁠⁠ChatGPT⁠⁠Deep Personality⁠Services⁠Clickables⁠Events⁠Points Travel Festival⁠ATH Podcast#181: ⁠Making an Easy $3k/mo from Online Deals with Kai⁠#273: ⁠Stop Overthinking and Start Deciding with Derek Sivers⁠⁠Builder Community⁠⁠Membership⁠⁠Best Cards Page⁠⁠Newsletter⁠Leave a review: ⁠Apple Podcasts⁠ | ⁠Spotify⁠Email for questions, hacks, deals, and feedback: ⁠podcast@chrishutchins.com⁠Full Show Notes(00:00) Introduction(01:26) Why Chris Feels Like He Has Zero Free Time(08:18) The Cabo Flight Booking Rabbit Hole(10:33) Building an AI Framework for Booking Travel(11:11) Chasing an Extra 15% Off With a United Card(12:49) When Optimizing Costs More Than the Original Price(15:53) Why Video Is Eating So Much of the Podcast's Time(18:56) The Endless Pursuit of Better YouTube Thumbnails(25:50) Recognizing the Real Cost of Over-Optimization(26:32) What AI Revealed About Why Chris Over-Optimizes(27:51) The Psychology Behind Chasing the Best Deal(30:02) Is AI Making Optimization Better or Worse?(31:11) Buying Back Time(31:39) A New Philosophy for Booking Flights(33:30) Tools That Help You Optimize Without the Mental Overhead(36:29) Chris’ New Flight Booking Rules(37:03) Re-Optimizing Work to Create More Free Time(38:14) The Paper "Star" System for Catching Rabbit Holes(42:20) Revisiting Old Lessons(44:09) Using Technology to Audit How You Spend Your TimeConnect with Chris⁠⁠⁠Newsletter⁠⁠⁠ | ⁠⁠Membership⁠⁠⁠ | ⁠⁠X⁠⁠⁠ | ⁠⁠Instagram⁠⁠⁠ | ⁠⁠LinkedIn⁠⁠⁠Editor’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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    53 mins
  • Taking My Health Into My Own Hands: Tests, Records, and What Actually Worked
    Jun 3 2026
    #281: Chris shares the full playbook he used to take control of his health after digging into his biomarkers. He breaks down which tests are actually worth your money and when each one matters. Plus, how he built a personal health AI from his own medical records to surface what doctors missed.Link to Full Show Notes: ⁠https://chrishutchins.com/personal-health-ai-diagnostics/.⁠Partner DealsDeleteMe: ⁠⁠20% off removing your personal info from the web⁠Fora: ⁠Become a Fora Advisor today⁠Copilot Money: ⁠⁠Free 2 months access to my favorite personal finance app with code HACKS2⁠Gelt: ⁠⁠Skip the waitlist on personalized tax guidance to maximize your wealth⁠Bilt Rewards: ⁠⁠Earn the most valuable points when you pay rent⁠For all the deals, discounts and promo codes from our partners, go to: ⁠⁠chrishutchins.com/deals⁠Resources MentionedDoctors & Medical Practices⁠PrimaryMD⁠⁠One Medical⁠⁠Blueberry⁠⁠Zocdoc⁠Biomarker & Blood Testing⁠Function Health⁠⁠SuperPower⁠⁠InsideTracker⁠⁠InstaLab⁠⁠Ulta Lab Tests⁠⁠Quest Diagnostics⁠⁠Labcorp⁠Specialized Diagnostics⁠Nucleus⁠⁠23andMe⁠⁠Levels⁠⁠Prenuvo⁠Health Data Aggregators & AI Tools⁠Apple Health⁠⁠Google Health⁠⁠Epic⁠⁠Claude⁠⁠ChatGPT⁠⁠Gemini⁠⁠PubMed⁠Tech & Wearables⁠Oura Ring⁠⁠Whoop⁠ATH Podcast#097: ⁠Optimizing Your Health: Diagnostic Tests, Choosing a Doctor, Sleep, Longevity, Inflammation and More with Dr. Jordan Shlain⁠⁠Newsletter⁠Leave a review: ⁠Apple Podcasts⁠ | ⁠Spotify⁠Email for questions, hacks, deals, and feedback: ⁠podcast@chrishutchins.com⁠Full Show Notes(00:00) Introduction(00:46) Chris' Lifelong Battle with High Cholesterol(07:20) Switching to a More Proactive Doctor(09:39) Family Medical History: The Cheapest Diagnostic Tool(10:59) Why ApoB and Lp(a) Belong on Every Lipid Panel(17:04) Detecting Soft Plaque with a CT Angiogram(20:02) Moving Beyond Statins for Better Cholesterol Control(21:46) How Chris Got a $500/Month Drug Covered by Insurance(25:11) Branching Out to Other Health Diagnostics(26:15) Comparing the Major Biomarker Blood Work Services(32:31) What Whole Genome Sequencing Actually Tells You(34:36) The Real Value of Continuous Glucose Monitoring(36:08) Getting a Full-Body Skin Scan from a Dermatologist(36:32) Using a DEXA Scan to Baseline Body Composition(37:17) Benchmarking Fitness with a VO2 Max Test(37:51) The Case For (and Against) a Prenuvo Whole-Body MRI(39:51) Why You Still Need a Human Doctor in the Loop(44:02) Finding the Right Primary Care Setup for Your Budget(46:21) The Health Basics Worth More Than Any Fancy Test(48:40) Building a Personal Health AI From Your Medical Records(56:56) Smarter Ways to Track Your Diet with AI(01:01:43) Why Chris Records Every Doctor's Appointment(01:02:25) Final Takeaways on Modern Health DiagnosticsConnect with Chris⁠⁠⁠Newsletter⁠⁠⁠ | ⁠⁠Membership⁠⁠⁠ | ⁠⁠X⁠⁠⁠ | ⁠⁠Instagram⁠⁠⁠ | ⁠⁠LinkedIn⁠⁠⁠Editor’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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    1 hr and 5 mins
  • The Hidden Rules of Credit Card Approvals
    May 27 2026
    #280: Learn how to dramatically improve your odds of getting approved for the credit cards you actually want. Chris breaks down the hidden system every bank uses to evaluate applications, why your credit score matters far less than what's on your report, and the real factors driving denials, from credit-to-income ratios to recent inquiries to each issuer's internal model. He also walks through what to do before you apply, how to sequence applications across issuers, and the right moves to make after a denial.Link to Full Show Notes: https://chrishutchins.com/credit-card-approval-strategyPartner DealsQuince: ⁠Affordable luxury essentials with free shipping + 365 day returns⁠Mercury: ⁠Help your business grow with simplified finances⁠Wispr Flow: ⁠⁠Try effortless voice dictation for free⁠Fabric: ⁠⁠Affordable term life insurance for you and your family⁠LMNT: ⁠⁠Free sample pack of my favorite electrolyte drink mix⁠For all the deals, discounts and promo codes from our partners, go to: ⁠⁠chrishutchins.com/deals⁠Resources MentionedCredit Cards⁠The Atmos™ Rewards Visa Summit Card⁠⁠The Business Platinum Card® from American Express⁠⁠Southwest Rapid Rewards® Plus Credit Card⁠⁠Capital One Venture X Business⁠⁠Capital One Venture X Rewards Credit Card⁠⁠Capital One Spark Cash Plus⁠Tools & Resources⁠Doctor of Credit⁠⁠MyFICO Forums⁠⁠LexisNexis⁠Articles⁠Complete Guide to Credit Card Application Rules by Bank⁠ATH Podcast#221: ⁠Deep Dive on Credit Reports, Scores, and Their Real-World Impact⁠#228: ⁠Deep Dive on Citi Credit Cards and ThankYou Points (Best 2-Card Combo)⁠#236: ⁠Deep Dive on Amex Credit Cards and Membership Rewards Points⁠#242: ⁠Deep Dive on Capital One Credit Cards and Miles (+ Why I Love Them)⁠#247:⁠Deep Dive on Bank of America Credit Cards (Up to 5.25% Cash Back)⁠⁠Best Cards Page⁠AMA: ⁠Submit A Question⁠⁠Newsletter⁠Leave a review: ⁠Apple Podcasts⁠ | ⁠Spotify⁠Email for questions, hacks, deals, and feedback: ⁠podcast@chrishutchins.com⁠Full Show Notes(00:00) Introduction(03:50) Why Chris Lets His Cards Report High Balances(05:06) When Your Credit Score Actually Matters(05:53) Why Business Cards Stay Off Your Credit Report(06:39) What Actually Counts as a Business(10:55) How Your Credit-to-Income Ratio Drives Approvals(14:48) What Your Payment History Reveals(15:08) Why Recent Inquiries Can Sink Your Application(17:44) The Chase 5/24 Rule Explained(18:44) The Hidden Internal Models Banks Use(19:18) Diagnosing a Listener's Surprise 820-Score Denial(24:56) What to Check Before You Hit Submit(25:55) Sequencing Business Card Applications for Approval(28:05) The Best Personal Card Offers Right Now(28:50) Why a Checking Account Can Boost Your Odds(30:10) Using Frozen Credit Bureaus to Your Advantage(32:37) Tag-Teaming Applications With a Partner(33:32) Why Last-Minute Fixes Don't Work(34:32) Using Pre-Qualification Tools to Avoid Hard Pulls(34:49) Cutting Unnecessary Credit to Get Approved(35:27) What Actually Happens After a Denial(40:54) When It Makes Sense to Close a Card(44:26) The Hidden Value of Card-Linked Offers(46:15) Every Major Bank's Application Rules(48:45) The Mindset Shift That Changes EverythingConnect with Chris⁠⁠⁠Newsletter⁠⁠⁠ | ⁠⁠Membership⁠⁠⁠ | ⁠⁠X⁠⁠⁠ | ⁠⁠Instagram⁠⁠⁠ | ⁠⁠LinkedIn⁠⁠⁠Editor’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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    50 mins
  • How Long-Term Investors Actually Think About Risk with Ben Carlson
    May 20 2026
    #279: Learn to handle market volatility and build long-term wealth in a world dominated by AI disruption, market fear, inflation concerns, and nonstop financial noise. Chris and Ben discuss why investing remains psychologically difficult, how to think about global diversification, when to reevaluate your portfolio, and the risks most investors still overlook.Ben Carlson is the Director of Institutional Asset Management at Ritholtz Wealth Management and the author of five books on investing, including his newest, Risk and Reward. He's the creator of the blog A Wealth of Common Sense and co-host of the Animal Spirits podcast.Link to Full Show Notes: https://chrishutchins.com/risk-market-volatility-ben-carlsonPartner DealsThrive Market: ⁠30% off your first order of organic groceries + a free $60 giftUpwork: ⁠Free job posting to find, hire, and pay top freelance talentDeleteMe: ⁠20% off removing your personal info from the webSuperhuman: ⁠Free month of the fastest and best email with code ALLTHEHACKSGelt: ⁠Skip the waitlist on personalized tax guidance to maximize your wealthFor all the deals, discounts and promo codes from our partners, go to: ⁠chrishutchins.com/dealsResources MentionedBen Carlson: Website | XBook: Risk and RewardPodcast: Animal SpiritsA Longer Life Can Lead to Financial Concerns, and More QuestionsThe Millionaire Next Door by Thomas Stanley and William DankoRoger Federer's 2024 Dartmouth Commencement AddressATH Podcast#128: The Psychology of Money with Morgan Housel#174: Secrets of Success in Life and Work with Legendary Silicon Valley Investor Andy RachleffNewsletterLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: podcast@chrishutchins.comFull Show Notes(00:00) Introduction(00:49) Why Investing Is Still So Hard for Most People(01:37) How Today's Media Makes Markets Feel Scarier Than Ever(02:51) The Core Idea Behind Ben’s New Book(05:10) What Japan's Lost Three Decades Teach Long-Term Investors(08:50) Why You Need Exposure Beyond Your Home Market(10:18) Will AI Reshape Global Markets or Just U.S. Stocks?(14:01) Could a Dot-Com-Style Crash Happen Today?(15:57) Why AI Could Still Trigger the Next Bubble(17:57) Focus on What You Can Control, Not What You Can't(19:16) The Worst-Case Inflation Scenario of the 1970s(21:47) How to Think About Inflation in Today's Economy(23:36) The Inflation Hedges Most People Already Have(26:58) How to Filter the Noise and Stay Long-Term(33:31) The Penalty Kick Study and Why We Hate Doing Nothing(35:08) When It's Actually Time to Reevaluate Your Plan(36:49) Planning Your Career and Money for an AI Future(43:33) Why Optimism Is a Long-Term Investing Edge(47:25) The Tax Alpha Most Investors Are Missing(50:05) Applying These Lessons Closer to Retirement(51:53) The Risks Most Investors Forget to Plan For(56:50) The First Move to Rethink Your Risk Profile Tonight(59:42) Where to Find Ben and His New BookConnect with Chris⁠⁠Newsletter⁠⁠ | ⁠Membership⁠⁠ | ⁠X⁠⁠ | ⁠Instagram⁠⁠ | ⁠LinkedIn⁠⁠Editor’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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    1 hr and 1 min
  • The AI Tools I'm Building to Replace My Spreadsheets with Anish Acharya
    May 13 2026
    #278: Is AI making it possible for the average person to live a fully optimized life? Chris and Anish swap notes on how custom AI tools are replacing years of spreadsheets, and reshaping the way we work, learn, create, and relate to each other. They dig into why Chris has abandoned OpenClaw, the architecture mistakes almost everyone is making, and what happens when the subsidies on all these tools eventually go away.Anish Acharya is a general partner at Andreessen Horowitz, where he leads consumer and AI-native investing.Link to Full Show Notes: https://chrishutchins.com/ai-tools-spreadsheets-anish-acharya/Partner DealsBilt Rewards: ⁠Earn the most valuable points when you pay rentGreen Chef: ⁠50% off your first month + 20% off for two months with code 50ALLTHEHACKSNetSuite: ⁠Free KPI checklist to upgrade your business performanceMercury: ⁠Manage, move, and grow your moneyFora: Become a Fora Advisor todayFor all the deals, discounts and promo codes from our partners, go to: ⁠chrishutchins.com/dealsResources MentionedAI tools and platformsClaudeOpenAI CodexChatGPTGeminiPerplexity ComputerCursorOpenClawTools Chris is using in his stackCardPointers1PasswordZapierApple HealthNotionDropboxTravel and points toolsGoogle FlightsSeats.aeroRoameATH Podcast#265: I Built an AI Assistant That Works While I Sleep#275: The Custom Everything Era with Kevin RoseNewsletterLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: podcast@chrishutchins.comFull Show Notes(00:00) Introduction(02:08) How Chris Replaced His Award-Flight Spreadsheets With an Agent(04:20) Why Your AI Setup Should Be Platform-Agnostic(07:13) Why Sub-Agents Don't Actually Make Sense(13:29) Skills, Connectors, Projects, and Channels Explained(17:29) Anish on the Two Big Breakthroughs: Coding Agents and Personal Agents(18:29) Zero Marginal Cost of Doing Work(21:01) Will Knowledge Get Less Democratized in the AI Era?(22:17) The Four Layers of Personal AI: Knowledge, Data, Trust, and Connection(24:35) The Black Pill: Do Most People Have Enough Agency for This?(26:29) How Chris Connected His Own CardTool App to Claude(32:07) The Family Video Montage Built From iMessages and Photos(33:51) Reverse-Prompting and Breaking Tasks Into Discrete Steps(36:35) Is AI Making Us More Connected, or Less?(41:45) The Coming Flood of Bill Disputes, Appeals, and Speeding Tickets(44:52) Gemini, OpenAI Apps, and Claude Connectors Compared(47:03) The Hidden Power of Zapier's MCP Server(50:20) Managing Logins and Sensitive Data Without Losing Sleep(53:20) What's Still Not Possible With AI Today(56:56) The Gell-Mann Amnesia Effect Applied to AI(01:00:11) The Subsidies Behind Your $20 ChatGPT Plan(01:04:59) Evaluating the Actual Cost of AIConnect with Chris⁠⁠Newsletter⁠⁠ | ⁠Membership⁠⁠ | ⁠X⁠⁠ | ⁠Instagram⁠⁠ | ⁠LinkedIn⁠⁠Editor’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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    1 hr and 10 mins