The Daily Churn

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) - Hack...

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,...

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 s...

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, La...

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 Ban...

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) (...

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...

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)...

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 ma...

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...

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 q...

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) (23:0...

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 qualifica...

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...

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...

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...

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 hour...

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) -...

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 ------------------ Join the newsletter for show notes, links, and updates: thedailychurnpodcast.com

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:...

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 & ca...

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) - V...

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 (Vis...

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 exampl...

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 (Costc...