The Daily Churn

Part 3 of the Japanese Jail saga. In January of 2020, I was arrested in Tokyo and spent four days in Japanese jail. This is the story of what happened, told in words and photos. For photos, view the full shownotes online at  thedailychurnpodcast.com (00:55) - Recap of Previous Episodes (02:18) - Meeting Megumi (12:53) - Life in Japanese Jail (22:38) - A Day with the Prosecutor (31:00) - Shinigawa...

Current state of Pepper, Chase + US Bank + BofA app-o-ramas, P3 onboarding hiccups, evergreen Hello Fresh codes, MoviePass hacks, Petsmart triple stacks, Kudos boosts, free Chipotle & Chick-fil-A, and much more! (03:25) - Credit Cards (18:54) - Banks (22:04) - Gift Cards (33:00) - Discounts & Freebies (44:28) - Meal Kits (49:07) - Final Tally ------------------ 📬 Join the free newsletter ...

I spoke with Logan from Aligned Incentives on how he went from a casual churner to co-founder of a multi-million dollar gift card reselling business. What's that like, and how does it happen? Can anyone do it? We cover everything, from the origins of his company to how he found his co-founders, to the value of local meetup groups and seminars, his thoughts on financial independence, life and p...

Results of last month's mealkit probe, new churning tools & apps, Pepper changes, hoarding vs cashing points, ideas for sitting cash, debit rewards & local credit unions 👽👉, Bank of America deep-dive, free Chick-fil-A, and much more! (08:22) - Credit Cards (21:21) - Brokerages (28:05) - Banks (39:42) - Discounts & Freebies (47:15) - Meal Kits (51:25) - Final Tally ---------------...

Part 2 of the Japanese Jail saga. In January of 2020, I was arrested in Tokyo and spent four days in Japanese jail. This is the story of what happened, told in words and photos. For photos, view the full shownotes online at thedailychurnpodcast.com (02:51) - The Police (10:00) - The Contract (14:15) - The Jail (18:11) - Meeting Yonban (26:37) - Breaking the Ice (33:03) - Stuck in The System (37:21...

$750 Triple Cash, 120K Southwest & Ink bonuses, easier Amex incognito offers, Fidelity SPAXX hub accounts, Costco vs Vuori, Prime Day, Pepper & Kudos, Starbucks scams & wins, Marley Spoon 🪦, HelloFresh and much more! (02:29) - Credit Cards (22:30) - Banks & Brokerages (29:40) - Discounts & Freebies (41:59) - Meal Kits (45:34) - Final Tally ------------------ 📬 Join the free n...

In January of 2020, I was arrested in Tokyo and spent four days in Japanese jail. This is the story of what happened, told in words and photos. For photos, view the full shownotes online at  thedailychurnpodcast.com (02:12) - The Snowboarding Trip (05:45) - The Accident (10:36) - The Father (18:13) - The Arrest (30:02) - The Interrogation (33:12) - The Lawyer Japanese Jail series - Part 2 Part 3 P...

Moviepass hacks, Resy Plat 15x offers, Kudos & Pepper coins, Robinhood $2K free margin, increased Upgrade and BofA bonuses, US Bank app-o-ramas, Paxlovid bots, free burgers & Starbucks, chicken pot pies and much more! (06:34) - Credit Cards (30:34) - Banks (32:58) - Brokerages (36:35) - Meal Kits (38:01) - Discounts & Freebies (58:21) - Final Tally ------------------ 📬 Join the free n...

US Bank quadfecta app-o-ramas, Amex 10x & Chase 7x dining bonuses, Robinhood 1% brokerage matches, free cellphone plans & $20 phones, Target Circle Card churns, Pepper YOLOs & Ibotta IPOs, new Wells Fargo & cashbackmonitor discoveries and much more! (01:39) - Podcasts (06:49) - Credit Cards (16:23) - Brokerages (18:34) - Banks (20:38) - Meal Kits (23:45) - Cell Phones (28:05) - Dis...

Final installment of the Big Churn series, exploring how to better optimize your retirement portfolio for maximum growth & longterm sustainability, and why Target Date Funds can delay your retirement and leave you retiring with less. (09:42) - Basic Concept (15:51) - Post Retirement Glidepaths (31:32) - Pre Retirement Glidepaths (48:23) - How To Implement (58:50) - Caveats & Thoughts -----...

Tips for pulling up Amex 250K Business Plat, Robinhood IRA transfers & WeBull comparison calcs, min spend ideas & 10x dining, new award travel tools, Pepper app deep dive, Marley Spoon mealkits, free burgers and much more! (02:16) - Travel News (09:23) - Brokerages (19:58) - Credit Cards (37:24) - Banks (39:00) - Meal Kits (41:45) - Discounts & Freebies (57:13) - Final Tally ----------...

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. (07:46) - My workflow (15:47) - Mastering domestic awards (20:39) - Tackling international awards (32:08) - New tools com...

Massive Robinhood & WeBull transfer bonuses, new Amex 10x dining referrals, Hyatt Destination stealth devals, Marriott & Hilton FNC strategy, Target $50 coupons, increased Upgrade Savings bonus, Pepper 10% GC discounts, and much more! (02:38) - Travel News & Updates (17:30) - Banks (21:44) - Credit Cards (41:49) - Brokerages (51:16) - Meal Kits (53:12) - Discounts & Freebies (64:39...

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. (04:02) - ANA 2024 Update (16:22) - New alternative: Japan Airlines (24:44) - Why Cathay Pacific is the best JAL partner (29:47) - More Cathay Pacific Benefits (32:25) - Cathay x JAL Booking Process & Quirks ------------------ 📬 Join...

TMobile Keep & 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! (00:00) - January Update (05:15) - Credit Cards (23:47) - Brokerages (38:50) - Banks (44:01) - Cellphones (47:46) - Mealkits (52:35) - Final Tally ------------------ 📬 J...

December churning recap & 2023 earnings breakdown, plus a bonus recap of podcast listener & subscriber stats, along with a special announcement! (06:22) - Credit Cards (15:44) - Banks (21:55) - Brokerages (22:41) - Discounts & Freebies (27:58) - Final Tally (December) (29:07) - End of Year Tally (38:26) - Bonus: Podcast Recap 🤓 ------------------ 📬 Join the newsletter for show notes,...

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 ------------------ 📬 Join the newsletter for show notes, links, and episode upda...

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...

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 -----------...

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...

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 fr...

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 (U...

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 bon...

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...

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:  thedailyc...