Podcasts about amex

EXCLUSIVE NordVPN Deal ➼ https://nordvpn.com/bluemoon Try it risk-free now with a 30-day money-back guarantee! ========== After Manchester City's first defeat of the season, David Mooney is joined by Adam Carter from StatCity.co.uk and by Joe Butterfield from The City Ramble podcast to discuss what went wrong against Tottenham. They look at City playing through pressure, controlling the middle of the pitch, finishing chances and the goalkeepers. Since there's been a lot of panic about the first loss, too, we take a look at the times when City have had a successful season despite a set-back in one of their opening two games... and there are some very memorable seasons where that's happened. Ryan Adsett from Talk Seagulls joins the show to discuss Brighton, ahead of City's trip to the Amex on Saturday. What can they expect from their opposition and what would we like to see for City to bounce back? Plus, we've got reaction to the Champions League draw, as BBC analysis suggests City have been given the fourth-hardest set of fixtures out of anyone in the competition. ========== To get more podcasts or to listen without the ads, join our Patreon. It's just £2 per month for all the extra content and you can get a 7-day free trial first: https://www.patreon.com/BlueMoonPodcast And why not gift a Patreon subscription to a friend or family member? More details: https://www.patreon.com/BlueMoonPodcast/gift

Do you need a kick in the DIY pants? Then you should join my 30-Day DIY Challenge! Recently I shared with you the "BEFORE" and "AFTER" of my friend's home office makeover that I did for her. (If you haven't seen it, you can read the blog post HERE and watch the video tutorial HERE).I also told you about the $1,000 giveaway I'm doing in partnership with Arrow Tool Group. Did you enter yet?! (ENTER HERE!)(If not, you should, because there are only 216 people entered at the time of this publishing, so your odds are better than Power Ball! HA! You'll win a $500 AMEX gift card and a $500 ArrowToolGroup.com gift card. Free money for your next project!)But did you know we're also doing a 30-day DIY challenge to give you a kick in the DIY pants during the month of September? SIGN UP HERE!MENTIONED:BEFORE & AFTER: My Pretty Laundry Room Makeover! (Blog post)Home Office Makeover (Blog Post)SIGN UP!Enter the Arrow Tool Group $1,000 Giveaway!Enter the 30-Day "Fall Overhaul" DIY Challenge!Join the WAITLIST for my EmPOWER Tools 101 online course!Support the showWANT TO LEARN TO USE POWER TOOLS? I'm creating an online power tools 101 course to help you get over the fear and intimidating of using tools to become empowered with power tools! Sign up here for more info! https://thriftdiving.com/toolsSubscribe to my email list for 5 ebooks, printable, and checklists: https://thriftdiving.com/subscribeSubscribe to my YouTube channel:https://www.youtube.com/user/thriftdivingLet's Connect! Blog YouTube Instagram Facebook Pinterest TikTok Twitter

The US Open tennis tournament, the final Grand Slam tournament of the year, takes place every year in New York City. This multi-week event is an amazing live sports experience, all accessible via public transit in NYC.This quick guide is perfect if you're going to the US Open in person and want to ensure you have the best experience possible!We will cover:How the ticket types workTips for buying ticketsGetting to & from the US Open groundsFood & drink optionsGeneral tennis etiquetteUS Open packing guide - What to bring

If there's one thing nearly every points traveler has done at least once, it's book a flight, hotel, or car rental directly through their credit card's online travel portal. With promises of 5x, 8x, even 12x bonus points, it can feel like the obvious choice. But as I share in today's episode, those tempting multipliers often come at a serious cost—and the reasons why may surprise you. In this episode, I walk through the top five reasons you should avoid booking through credit card travel portals like Chase, Amex, Citi, and Capital One. From losing out on elite status perks and upgrades to paying more for the same flights or hotel rooms, I reveal the hidden downsides that don't show up until it's too late. You'll also hear real-world stories from travelers who faced everything from missing reservations to costly rebookings—all because they used a portal instead of booking direct. Even more importantly, I'll explain how using your points through a portal can devalue them by 2–10x compared to transferring to partners. I share specific examples, including how I used Chase points with Hyatt for a $65,000+ stay that would have cost 3.6 million points through the portal. Whether you're new to points or have been booking this way for years, this episode will help you avoid costly mistakes and make smarter choices with your rewards. Turn your expenses into points and save tens of thousands of dollars a year on your wishlist travel. Don't miss out! Click here http://www.pointmetofirstclass.com/pointsmadeeasy to know more about my comprehensive online program, Points Made Easy. Enrollment opens on September 20, 2025 to September 27, 2025. Want to know what's really possible with your points? Don't just take it from me—hear from members who've used Points Made Easy to completely change the way they travel. From business class flights to dream vacations, their results speak for themselves. Watch their stories here - https://points.pointmetofirstclass.com/points-made-easy-success-stories

The AmEx Ride is a style of cycling training thats fun, flexible, and it makes you hella fast.

In this Quick Hits episode of Revolutionizing Your Journey, DeAndre Coke breaks down the latest travel and points updates shaping the rewards landscape. He covers Chase's surprising move to end its transfer partnership with Emirates, American Airlines' new partnership with Starlux Airlines, and the upcoming changes to Amex Platinum and Business Platinum cards—including higher annual fees paired with new perks.Listeners will also learn about a valuable new Amex offer for Hilton stays, a strange Uber pricing quirk at airports, and a listener update highlighting issues with the Mesa card application process. Packed with actionable insights and community-driven updates, this episode helps travelers stay ahead in the ever-evolving world of points and miles.Key takeaways: Chase and Emirates: Chase is ending its partnership with Emirates on October 16th.New Partnerships: American Airlines has partnered with Starlux Airlines, expanding premium travel options.Oneworld Potential: Starlux may eventually join the Oneworld Alliance, offering more redemption opportunities.Amex Changes: The Amex Platinum and Business Platinum cards will see annual fee increases along with enhanced benefits.Hilton Savings: A new Amex offer saves users 20% at Hilton properties.Airport Rides: An Uber pricing quirk reveals that fares can vary depending on the airline selection—compare with Lyft.Mesa Card: Applicants are reporting delays and issues with the Mesa card process.Fee vs. Value: Amex continues to raise fees while aiming to deliver more value.Travel Strategy: Travelers should act before the Emirates transfer deadline and maximize Hilton/Amex offers.Resources:Hyatt status for AA elites (register by October 31)AA status for Hyatt elites, targeted (register by September 4)Aeroplan Reserve 5,000 Mile CertificateBook a Free 30-minute points & miles consultationStart here to learn how to unlock nearly free travelSign up for our newsletter!BoldlyGo Travel With Points & Miles Facebook GroupInterested in Financial Planning?Truicity Wealth ManagementSome of Our Favorite Tools For Elevating Your Points & Miles Game:Note: Contains affiliate/sponsored linksCard Pointers (Saves the average user $750 per year)Zil Money (For Payroll on Credit Card)

In this episode, I sit down with Roger Nairn, CEO of JAR Podcast Solutions, to talk about how he's grown a top-tier production agency working with brands like Amazon, Lululemon, Amex, and Cirque du Soleil.We get into the systems, sales strategies, and creative positioning that helped him go from “no name, no business plan” to building a client list most agencies dream about.⏱ Timestamps00:00 – From hobbyist to first client in four days02:35 – Why “just starting” beats overplanning every time04:04 – Selling the business case for podcasts05:12 – The hire that changed everything07:29 – Building scalable systems with “the 8 P's”09:49 – Why this sales hire actually worked11:46 – Outreach, targeting, and big-brand ABM15:47 – How the playbook changed as the market matured17:56 – Solving business challenges, not selling “a podcast”22:59 – JAR's client system: job, audience, results24:49 – Knowing when to say no (and sticking to it)28:45 – Finding and training podcast hosts32:49 – The current sales process (and why Roger still cold outreaches)35:23 – Inbound, RFPs, and fixing broken shows39:21 – Pitching ideas based on brand news42:03 – Balancing prospecting with live opportunities45:04 – Making sales a leadership team effort46:47 – What's next for JARKey TakeawaysWaiting for the “perfect” start? That mindset kills momentum.Sometimes the priciest hire unlocks the biggest profit.Systems don't have to be boring—they can fuel momentum.Selling the why gets easier when your market is educated.Saying no to the wrong projects creates space for the right ones.Outreach that's brand-specific beats any templated campaign.Links & Resources:Relationship Sales at Scale™Website: jarpodcasts

Today we are chatting with Hayley (⁠⁠⁠⁠⁠⁠@travellingsalzmans), who was a speaker at our virtual summit last August talking about Points and Miles for Canadians. Hayley shares her expertise on how Canadians can leverage points and miles to travel in luxury for less. Discover the unique challenges and opportunities in Canada, from the best credit card strategies to maximizing rewards for flights and hotels. Whether you're a seasoned traveler or just starting out, this episode is packed with insights to help you explore the world without breaking the bank. Tune in and start planning your next adventure! In this episode, you will learn:Points and Miles Basics: Transition from budget to luxury travel.Top Canadian Credit Cards: Maximize benefits with Amex and RBC Avion.Canada vs. US: Unique challenges and transfer partners.US Credit Cards Access: Tips for qualifying through Amex Global Transfer.Luxury Travel Stories: Business class flights and premium stays.Sign-Up Bonuses: Current offers in Canada.Hotel Program Limits: Alternative booking strategies.Beginner Tips: Prioritize cards based on travel goals....and more!You can find Hayley ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!⁠⁠⁠⁠⁠⁠instagram.com/travellingsalzmansYou can get your VIP ticket Goodybag for the August 2024 Bougie in a Backpack Virtual Travel Summit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠ , where you can check out Hayleys session!You can grab Hayley's free guides below:30 Affordable Luxury Hotels in Europe to use your Marriott Bonvoy 35 or 50k free night certificates https://travelling-salzmans.ck.page/fff134f2f8Canadian Points and Miles 101https://travelling-salzmans.ck.page/bdbd757f75https://bougieinabackpack.thrivecart.com/bougie-vip-goodie-bag-august-2024/You can find our FREE Travel Beginner's Blueprint ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠:dashboard.mailerlite.com/forms/457913/90732056966858389/shareWant to submit a question or comment to our Bougie Mailbag? You can do so here:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠forms.gle/Hb3iAbCfsK5BWnii8⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Be sure to join our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: facebook.com/groups/bougieinabackpackFind us on instagram:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/bougieinabackpack/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/travelmack⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠enzie⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/pennywisetraveler⁠

This episode hosted by Mike and Angie , opens with a highlight post from Ira asking about easy, at-home ways to use various Amex statement credits. Angie explains that some, like Dunkin' and office supply store credits, can be used online, while others, like the dining credit, are best used in person or via services like Grubhub. In the news segment, they cover Chase co-branded card multiplier promos, confirmation that Hawaiian Airlines credit cards will remain available, a recently expired United flash sale to Asia and Oceania, and major Aeroplan program changes starting in 2026, shifting to revenue-based point earning with new status qualifying credits and milestone rewards.In personal updates, both Angie and Mike share recent credit card bonuses, including the Citi Strata Elite 100k in-branch offer, and trip planning changes. Angie rebooked Northeast hotels to leverage Chase Points Boost and Citi Elite's $300 hotel credit, finalized a rental car for a golf trip, and planned a November “girls' trip” with possible glamping. Mike lists upcoming travel to Nashville, New Orleans, New York (twice), Texas, and Miami for the AT101 September meetup.The main topic, “I've got points—now what?”, addresses people who have amassed rewards but feel overwhelmed deciding how to use them. Angie shares four recent examples, from someone feeling pressure to book the Maldives because “everyone does,” to travelers struggling with cash vs. points decisions, or comparing award flights unfavorably to friends' paid fares. Mike and Angie discuss how destination choices are often influenced by personal bucket lists or others' invitations—like Mike's potential Jamaica trip offered by a friend—and emphasize tailoring redemptions to individual goals, timing, and comfort levels rather than trends.Links to Topics DiscussedChase Co-Branded Cards My Bonus PromoHawaiian Airlines Credit CardUnited Deal AlertAir Canada Aeroplan Program ChangesWhere to Find Us The Free 110k+ member Award Travel 101 Community. To book time with our team, check out Award Travel 1-on-1. You can also email us at 101@award.travel Tickets are now ON SALE for our next meetup in Miami September 19-21. Secure your spot today at https://award.travel/miami2025 Our partner CardPointers helps us get the most from our cards. We love being able to automatically add all of our offers and quickly seeing the best card to use for every purchase. Signup today at https://cardpointers.com/at101 for a 30% discount on annual and lifetime subscriptions! Lastly, we appreciate your support of the AT101 Podcast/Community when you signup for your next card! Technical note: Some user experience difficulty streaming the podcast while connected to a VPN. If you have difficulty, disconnect from your VPN.

Title: Travel Like a Billionaire: The 90% Off Secret to a First-Class Lifestyle with Eli Facenda In this conversation, Eli Facenda shares insights on maximizing travel experiences through strategic use of points and credit cards. He discusses his nomadic lifestyle, the entrepreneurial journey that led him to travel hacking, and the importance of understanding the value of different points systems. Eli emphasizes the need for a structured approach to travel, focusing on maximizing points, optimizing travel upgrades, and effectively using credit cards to enhance travel experiences. The discussion also touches on the significance of having a clear strategy for business owners and how to navigate the complexities of travel rewards. In this conversation, Eli Facenda shares his expertise on maximizing travel experiences through strategic use of points and credit cards. He discusses the importance of community in travel planning, innovative solutions for entrepreneurs, and his personal journey in the travel industry. Eli emphasizes the significance of experiential wealth and actionable steps listeners can take to enhance their travel experiences. Links to Watch and Subscribe: https://youtu.be/c7QqSscsajc Bullet Point Highlights: Seth and Eli kick off with casual banter about van life, audio gear, and the nomad lifestyle. Eli shares his background going from broke entrepreneur to travel-hacking expert. He explains how he got obsessed with using points after a free trip to Thailand changed his mindset. Eli now helps entrepreneurs take $20K–$50K luxury trips for 90% off using credit card points. His 3-part system includes maximizing points, optimizing travel perks, and redeeming for bucket-list trips. He gives a real-world example of booking a $20K ANA business class flight to Japan for just $12. Seth dives into a real-life org structure and Eli explains how points flow to the guarantor, not the LLC. Best practice: 2–3 business cards and 2–3 personal cards tailored to your biggest spend categories. Eli introduces his new “DreamTrip Alert System” that delivers full trip itineraries at massive discounts. In the Million Dollar Monday segment, Eli shares how he made, lost, and remade his first million. His next million will come from scalable digital products and a wider reach through content and community. What makes Eli top 1%: He walks the walk, traveling the world and running a business around it. His #1 tip: Pick your dream trip, put it on the calendar, and commit, then let the how figure itself out. Transcript: Eli Facenda (00:00.059) What's up, Seth?   Seth Bradley, Esq. (00:01.43) Yo, what's going on, brother?   Eli Facenda (00:03.237) How we doing, man? How we doing?   Seth Bradley, Esq. (00:05.141) Excellent man, what's happening?   Eli Facenda (00:06.893) Not much. you, how's the audio coming through here?   Seth Bradley, Esq. (00:11.032) Sounds good, sounds good.   Eli Facenda (00:12.547) it clean? Okay, because I'm, it's basically we're in the middle of a Nomad trip here, so I normally have like a, like a shirt mic like you have, but on the road I haven't had, so I haven't had to test this yet, but I figured the DJI's are pretty solid, so I wanna make sure it's actually coming through decent.   Seth Bradley, Esq. (00:16.962) Okay.   Yeah.   Seth Bradley, Esq. (00:26.732) Nice. Yeah, no, it sounds good. Sounds good, man.   Eli Facenda (00:29.425) Okay, cool, awesome. Awesome Dave, we'll get to connect with you.   Seth Bradley, Esq. (00:33.802) Yeah, brother definitely, so I don't butcher it. How do you pronounce your last name? Facenda, okay, cool. Cool Awesome, man. Yeah, we've we've crossed paths on social media. I think or maybe our va's have crossed paths who knows   Eli Facenda (00:39.077) for sender. Yep, yep.   Eli Facenda (00:47.663) Yeah, think that was where, yeah, think we were initially connecting, yeah, totally. Instagram, I think, was the place. Yeah. Because you're out in California, right? Nice, I'm in West Palm right now. And I mean, normally based in Austin, but we're in the middle of a like, six to eight month nomad adventure. And so we are, we're on the road here, and we go to Europe in a few weeks for like the next several months.   Seth Bradley, Esq. (00:53.42) Yeah, nice, nice, where you at right now? Yep, San Diego.   Seth Bradley, Esq. (01:10.446) Sweet dude.   Seth Bradley, Esq. (01:17.166) That's awesome dude, awesome, awesome. Love it man, that's a long time. So we did last May we did, man it's been like a year, geez. We did like 30, 33 days in a van trip. So we took our van up through Wyoming into Montana and into Canada. That was a long time for us, but 68 months. Right, yeah.   Eli Facenda (01:18.117) Yeah. Yeah. Thank you, man.   Eli Facenda (01:33.455) Nice.   Eli Facenda (01:37.465) sick. Yeah, well vans are intense too. You know, I haven't done van life but my fiance, she did that before and it was like a lot for her. But yeah, so totally depends on the way you're traveling as well. Yeah.   Seth Bradley, Esq. (01:47.266) Yeah.   Nice, nice. Cool, man. Just give you a quick rundown. our audience, my audience is typically, so it used to be passive investors, right? So it used to be the passive income attorney podcast. I think when we might've tried to schedule before and that was for investors. So accredited investors trying to get them to invest in my commercial real estate deals, that sort of thing. But now I've rebranded to raising the bar, which is more geared towards active investors and entrepreneurs and folks like that. So still,   Eli Facenda (02:10.619) Mm-hmm.   Seth Bradley, Esq. (02:19.982) Still, I'm sure your clients, wealthy folks that are starting businesses, that have businesses, that are raising capital for real estate or private equity or other types of businesses, that sort of thing. And then we'll do about, we'll do it a little on the shorter side. So we'll do about 30 minute interview, probably at the longest. And then we'll kind of just close that out. And then I do two little smaller sections that I break down into like little five minute episodes. One is a million dollar.   Eli Facenda (02:25.403) Totally.   Seth Bradley, Esq. (02:49.622) Monday I put that in the notes and it's basically just like real quick, like how you made your first million dollars, how you made your last million, how you plan on making your next million. then, yeah, and then the last one is the top 1%. Basically just kind of what separates you and makes you the top 1 % in what you do.   Eli Facenda (02:59.675) Cool. Yeah, I love it. It's great.   Eli Facenda (03:08.699) Okay, beautiful. And then as far as, is there any place you want me to point people that is connected to you or do you care if you're asking about that? I don't have any hard call to action kind of pitch thing, but it's more just like.   Seth Bradley, Esq. (03:19.916) No, man, whatever, it's up to you, man, whatever you want to do, whatever you, whatever call it action you want to use, if want to send it to your website or social media, whatever you want to do,   Eli Facenda (03:26.577) Cause you know what we do have, I can do this. We have a pretty cool playbook that's normally 150 bucks and I'm happy to give it to your listeners for free. So I could give them a code, just say what would be the best code for that?   Seth Bradley, Esq. (03:37.175) Okay, awesome.   Seth Bradley, Esq. (03:43.429) Um, just raise would probably be good. use that a lot for like call to action, like DME raise. So you could use a raise.   Eli Facenda (03:46.161) Cool. All right, so yeah, so I'll just say go to the website and just DM or just put in the code RAYS and you'll get it for free. But it's like a whole playbook on how to maximize points for trips. I've act like legitimately I've had someone buy it and within 48 hours he texted me a screenshot. was like, dude, I just saved 20 grand on a trip from your ebook. And I was like, wow, okay, it works. So it's good. Yeah.   Seth Bradley, Esq. (03:57.07) Sweet.   Seth Bradley, Esq. (04:09.366) Nice, Cool. All right, man, well, we're already recording, so I'll just jump right in, and then if I need to add anything to the beginning, I'll do that later. And cool, man, yeah, we'll just jump right in.   Eli Facenda (04:14.129) Sweet. You're welcome.   Eli Facenda (04:20.27) Awesome.   Eli Facenda (04:24.913) Let's do it.   Seth Bradley, Esq. (04:27.444) Eli, what's going on, brother? Welcome to the show.   Eli Facenda (04:30.181) Thank you man, excited to be here and I we're going coast to coast today so this will be good.   Seth Bradley, Esq. (04:34.382) Absolutely, man. So we chatted beforehand, but I think you're tuning in on a road trip right now. So you're living proof of what you do, right?   Eli Facenda (04:44.065) Yeah, totally. are, well this part's kind of like a road trip. We're in West Palm Beach right now, but this is basically leg number two out of, we'll end up being probably an eight month nomadic adventure with me and my fiance and our little puppy. And so we're in West Palm Beach right now in Florida. We head to Europe in less than a month and we'll be bouncing around different parts of Europe for about four months roughly before we decide where we're gonna go next, which we're not exactly sure.   Seth Bradley, Esq. (04:58.904) Nice.   Seth Bradley, Esq. (05:12.28) That's awesome, man. Are you using all your hacks and secrets and travel tips that you put out there?   Eli Facenda (05:18.449) Absolutely, yeah, 100%. I mean, we just got back from a crazy trip to Japan. This was really cool. I run an entrepreneur mastermind. So we integrated our own trip around Japan around this mastermind event. So I had 53 people come out for like eight days. We went snowboarding in the mountains in Niseko in the Northern Park. And then we went down to Tokyo for the cherry blossoms. But for myself personally, to get there and back and do a lot of the hotels, we used points. We saved over 50 grand just on that portion of the trip. We then...   know, flew down to West Palm on points and then going over to Europe and a lot of the stays over there will also be leveraging the point strategies that I help clients use and then I talk about on social media and the stuff that we'll dive into today. But yeah, I like to be living proof of it because it's pretty awesome. It's something that's really impacted my life. I love doing it. And when I do it, I get to share it too. So has like a multiple benefit for everybody.   Seth Bradley, Esq. (06:06.648) That's awesome, man. I'm excited, dude. I'm excited to dig in here, because it's just for my own personal benefit and education, because I'm super stoked about this stuff, and I travel a lot with my fiance, or my fiance, my wife, and it's something I'm personally interested in as well. We've had past conversations too, so it's great to have you on, man. So just to start off, man, if somebody, you meet somebody in the street, they ask you what you do, how do you explain that?   in a sentence, right? Like without going into some crazy like tangent about all the awesome things that you do. Like what, how do you answer that question?   Eli Facenda (06:36.453) Yeah.   Eli Facenda (06:41.329) Sure, sure, Yeah, it really does depend on the situation, but I oftentimes will ask a couple questions because it makes it easier for people to understand. So usually it's like, do you have any big dream bucket list trip you've ever wanted to take? And they'll be like, oh yeah, Greece. I'm like, well, what we do is we help you get to Greece in business or first class, stay in five star hotels, have the trip of your dreams at about 90 % off. So that's kind of the tagline is take the trip of your dreams for about 90 % off.   I'll get into the whole point side of things, but some people don't know what points are, or some are really well studied in that world. So I just leave with the trip because that's usually what people want. They want to have the experience where it's you and your wife flying first class, sipping champagne on the way to Paris to go see the Eiffel Tower and the points and the credit cards. That's really the mechanism. That's how we make the experience happen. But at end of the day, what we want is the amazing memories, the beautiful experience, all that stuff. So I leave with the trip when I talk about it.   Seth Bradley, Esq. (07:37.848) That's awesome, man. Yeah, I mean, you're literally selling the dream, right? Like in marketing, you sell the dream or hit on a pain point. Like you are like the quintessential selling the dream. Like that's what everybody thinks about. So.   Eli Facenda (07:42.969) Yeah, exactly.   Yeah, Right. Well, it's funny because, you know, in marketing, they'll say like, sell the destination, not the vehicle, right? They'll be like, sell the outcome, not how you get there. And so we do that in our marketing. But then when you think about it, when people are taking a trip, what we are helping them do is make the vehicle to get to the destination part of the destination. Because really, when you travel well, and you do it in style, the flight becomes a part of the trip that you're excited for.   I can't wait to see the the drinks and the champagne and the food they're gonna have and how awesome the seat is and the movie selection, how big's the screen. At least for people that love to travel, it becomes a fascination of the trip, not just getting there. So that's a big difference maker when people start to go on these flights, and this is what a lot of our clients will say, and for me, it goes from flying economy to like, I'm counting down the hours to get off this freaking plane.   to like, we do another lap around the city? Cause like, I'd love to just hang out here longer, right? And like the flight attendants treat you really well. So yeah, it's a whole experience.   Seth Bradley, Esq. (08:49.314) That's awesome, man. Yeah, that's great. Was there a trip that you went on personally where you just kind of thought, man, I can turn this into a business, right? Like you're just enjoying it so much that you just were like, like the light bulb went off or how did this business spawn?   Eli Facenda (09:04.515) Yeah, there wasn't one trip that I made the connection between like, trip is awesome, let me start a business. But there was one trip that gave me the light bulb of, my God, I am obsessed with this, I need to learn everything I can. There was zero intention or thought about business that when it first started. And that'll take you back about 10 years. So was around 22 years old and I'm just coming out of college. And basically I'm in my mom's basement and I remember this really...   like heavy feeling because I went to a good university near New York City and all my friends went to Wall Street and they were making like six figures plus right out of school. And I had this like entrepreneurial bug. I was like, that's not for me. I don't want to sit in an office. I don't care if I can make a lot of money. I want to like play life on my terms, even if it means I'm making less. So at this point I have friends that are making tons of money, know, lots of disposable income and I'm making like 20 grand a year. I'm working four side jobs. I was trying to build a company. I remember getting this text.   And my stomach just dropped, because I was like, shit, I'm going to miss out on this incredible experience. was friends inviting me to go to Thailand. And I was like, if I don't figure out a better strategy of either how to make more money or figure something out, I'm not going be able to go on this trip. And I was like, damn, this is going to be just a life of missing out on experiences. Is that what it means to follow my dreams with entrepreneurship? It's like, I have to forego everything that my other friends are doing. And so was like, let me think about this differently. And I had a mentor that told me, you don't need more money, you need a better strategy. And he was talking about growing a business.   But for me, I was like, oh wait, there's this credit card point thing. What if I could figure that out? So I ended up piecing it together. I got a trip to Thailand for free. I had this amazing experience with some of my best friends. It's like still, you know, 13 friends in Thailand at age like 22, 23. Memories you don't get back. So was really grateful to have that. And then I came back from that trip and I got another flight a few, probably a year later to Europe in business class where it was a $6,000 ticket that I paid $6 for. Now after that one,   I came off that flight and I was like, I will read every blog, I will watch every YouTube video, I will learn everything about this because it meant I could travel the world and have this incredible lifestyle without having to go take a corporate job. So was like, I get to have my entrepreneurial dream and the travel I want without any trade-offs and I was like, this is amazing. So that was my first time I got hooked. It took me years of researching and reading blogs and websites and doing stuff for myself before I even had the thought of helping anyone else. I just became obsessed with it on my own.   Seth Bradley, Esq. (11:27.086) I love that you recognize you had the entrepreneurial bug early on, right? Before you got drugged down into the corporate ladder and then you got the golden handcuffs, we like to call it, and that sort of thing where it gets much, much harder to escape that gravity. I know for myself, it took a really long time. ended up going to, I went to med school, then I got my MBA, and then I went to law school, and then I worked in a big law firm, and it just took me all this time to figure out like, I don't want this.   Eli Facenda (11:38.405) Yeah.   Eli Facenda (11:49.201) Mm.   Eli Facenda (11:56.763) Right, well the social pressure alone of like everyone year round is going one way, it takes a lot of guts for you to zig when everyone else is zagging, like it's not easy to do. Yeah.   Seth Bradley, Esq. (11:57.015) And I think it's.   Seth Bradley, Esq. (12:06.648) For sure, for sure. Yeah, it's tough. It's tough, right? And especially when you see your friends making six figures right out of college, you're like, man, I could do that right now if I wanted to do it, but I don't want that. So it takes guts to be able to go out there and do your own thing.   Eli Facenda (12:21.873) Totally. And I think everyone has their own version of that still. There's even vert flavors of that today that are still existing for me where it's like, everyone's kinda going this way, but when I really get quiet and listen to myself, I'm like, yeah, you could do that, but you actually, what your soul or your heart really wants is to go over here. And so I've always just tried to listen to that more because I think about one of my North stars is, at the end of my life, I'm 80, 90 years old, I do the rocking chair test and look back, it's like,   What regret would I rather not have when I'm 90? I'd always rather be like I bet on myself than like I took the sure, you know, the well-paid path, which is the old cliche, but I think it's really true.   Seth Bradley, Esq. (13:01.004) Totally, I love that North Star, man. Have you ever asked ChatGBT to give you advice as your 80 or 90 year old self on your deathbed? It's great. Yeah. I love it, man. I love it. Yeah, it's great. It you great insight. You start reading, you're like, this is good.   Eli Facenda (13:07.409) Yeah, yeah, I actually created a custom GPT and it's my future me that coaches current me. yeah, exactly. Yeah. Yeah.   Right. Exactly. Yeah, totally.   Seth Bradley, Esq. (13:21.326) Awesome man, well let's get back kind of on the business of travel, right? So somebody comes to you, they do that introduction that we talked about, you get in a deeper conversation, they're super interested in it, they wanna learn more about these travel hacks and strategies, like where do they start? Where do you point them?   Eli Facenda (13:42.447) Yeah, so in terms of the process, I like to chunk it into three main buckets.   And it's important to have context around this game because if you don't, it just starts to feel like there's so many moving pieces and who has time for that and it's too confusing and then it becomes overwhelming and overwhelm just basically leads to an action. And then that is the person who's like, well, I just don't wanna do that, I'll just take a cash back card or I'll just stick to my Delta card, right? And so when you have the right context, you can start to understand the highest leverage moves to make and then you know really how to get the result you want with the least amount of effort. So that's what we focus on and specifically like I've worked with   probably over a thousand business owners now. And with business owners, investors and entrepreneurs, it's a different, the points game takes on a different context, right? Because usually the constraint we have to solve for is time and complexity. And if you work a nine to five, you know, after five o'clock, you've got hours for your night. But entrepreneurs, it's like every hour is kind of an asset that you can use. So it's a little bit different. So the three buckets are, the first one is to maximize the points that you earn. So this happens from getting the right cards and the right expenses.   because all of these different points are like currency, so you wanna earn the right type of points and then you wanna maximize the amount of them by getting the right cards and the right expenses. So that's the first piece and that's really, really key, because nothing else happens if you don't get that right. The second bucket is gonna be to upgrade and optimize your travel. So you've got domestic trips for a conference, are you getting TSA pre-check and clear, are you getting the best lounges, are you getting first class upgrades and free bags and hotel suite upgrades and free breakfast at the hotels and free wifi. Really it's just like,   There's all these opportunities available for people that are traveling domestically for work, for family events, you know, your kind of ordinary traveling might have. And what we want to do is we just want to enhance the quality of all of that and reduce all the headaches and annoyances by maximizing benefits on cards and status perks and all the kind of like little tactics that you can play. So that's the second thing that just makes your travel more comfortable. And then the third bucket, which is really the most important in terms of impact in your life and the most meaningful piece is to take your dream bucket list trips for 70 to 90 % off.   Eli Facenda (15:45.775) And so that's where you're gonna take the points you've accumulated. You're gonna use some strategies that I can break down here around transferring these points from the banks to the airlines and hotels, and you're gonna get these dream trips for literally a fraction of what they should cost if you're paying cash, or compared to if you were using your points through a site like Amex Travel or Capital & Travel or Chase Travel. Okay, so that's a mouthful, but those are the three. So maximize your points, get the best possible upgrades, and then take your dream trips for 90 % off.   Seth Bradley, Esq. (16:13.934) Yeah, dive into one of those little those connecting strategies there that you mentioned.   Eli Facenda (16:19.183) Yeah. Yeah. So I'll talk first about the cards. That's the order. This is the first mistake that most business owners and individuals are making is they're just getting random cards. They're like, well, I live in Dallas. Let me get the American card or live in Atlanta. So I'll get the Delta card or, whatever it may be. Or live in San Diego and I fly domestic. So I'll just get the Southwest card. Well, they don't realize is that again, these points, these points like currencies. And so if I told you, Hey, do you want 150 Mexican pesos or 150 us dollars for your couch that you're selling on Facebook marketplace?   you're obviously gonna take the US dollars, right? Because the currency is much higher. But with points, people don't realize that. So they might be racking up Hilton points or Delta miles or other points and miles that just aren't as valuable as other ones out there. And then they burn through them quick or they don't go as far. And they end up just basically sitting there being like, I feel like I should be getting more. This is the common thing I hear. I feel like this should be taking me further, but like it's not doing much. And so what we wanna focus on is bank points that are transferable. So certain banks,   have this ability to convert the points to the airline hotel loyalty programs. And what happens is the banks have a different way of pricing than the airlines do. And certain airlines and certain hotels have really good what we call sweet spots or opportunities for you to get the best possible deals. Okay, so when you earn these effective points, which the top ones I recommend are generally Amex, Chase, and Capital One, and there's a new program built actually is out where you can put your rent on a card with no fees and earn points, it's really cool. But when you get those right,   And then you look through your expenses and you say, what do I spend the most on? Is it groceries and dining and the personal side? Cool. There's a card like the Amex Gold that is specifically really good for those types of expenses. Then you look at your business. What do I spend a lot on? Is it ads and software and taking clients out for dinners? Great. The Amex Business Gold earns four points per dollar on those categories, but maybe it's you're spending a lot on flights for company travel, or maybe you have inventory you're buying, or you're paying a lot of contractors, or you have a lot of payroll. You want to assess where you're spending the most money.   and make sure you have the optimal card lined up for that type of expense. So I'll pause there, but that's kind of the first bucket. The other one is on using the points effectively, which I can talk about too, is pretty powerful. But that first one is really the linchpin. Because if you have a bunch of Delta miles and you want to go to Europe, I'll give an example actually one more before I kind of pause. There was an example recently I saw of a client and they wanted to go to Europe and we're looking at different options. This was from JFK to Amsterdam. If you have Delta miles,   Eli Facenda (18:43.547) The ticket for Delta One, this big awesome Delta Suite, was 320,000 miles. That's what Delta was charging to go from JFK to Amsterdam. It's really expensive amount of miles. But the same exact flight, like same flight number, same aircraft, everything, if you booked it through Virgin Atlantic, it was 50,000 miles. One seventh of the amount almost. It's really, really big difference. And so here's the kicker, right? If you have a Delta card, you only earn Delta miles, so you have to pay the 320,000.   Seth Bradley, Esq. (18:46.765) Mm-hmm.   Seth Bradley, Esq. (19:02.124) Hmm.   Eli Facenda (19:12.497) but if you had an Amex card that earned Amex points, so like the Amex gold or business gold, you could actually convert those points into Virgin to book the Delta flight because Virgin and Delta are partners, and you'd pay 50,000 points instead of 320,000. So this is the part where like, for people that kind of get this, they're like, whoa, and the other people are like, what did you just say? So I get it can be, it can be tricky for some people that are just getting to grasp it, but I want to make sure to lay out the whole game so people can understand really what's possible for them.   Seth Bradley, Esq. (19:34.764) Yeah   Seth Bradley, Esq. (19:42.329) Totally, totally. Yeah, it's just, mean, I'm sure people out there listening, it's both, right? Some people know these things exist, but they don't know the extent of it. And you're opening up their minds regardless, right? Like all the possibilities. I think most people are just like, sure, I need to find a great car that has a welcome offer of some sort. That's usually what people look at. And then they just try to pick, perhaps they take it a step further and they're looking to see like what they spend money on the most and they'll...   Eli Facenda (19:54.139) Tour then.   Eli Facenda (20:04.443) Mm-hmm.   Seth Bradley, Esq. (20:11.128) calibrate that card to that. But you're taking it step further because you know, it's kind of just opening yourself up to knowing all the possibilities, right? All these different connections, where to spend the points, where you can earn the points, those sorts of things. How thick is your wallet, man? Do you have, is your wallet like this and it's got 25 cards in it or what?   Eli Facenda (20:19.419) Totally.   Right. Yeah.   Eli Facenda (20:28.123) Haha   Yeah. Yeah.   Well, caveat this first by saying when we work with clients and we might do recommendations for people, I always recommend if you have a business, two to three personal cards and two to three business cards. That is a simple way to set this up. That's only four to six cards across both things. That's enough where you're really gonna get some serious ROI, but it's not so much that's really complicated. Some people are kind of curmudgeoned about it, like I only want one card. And I'm like, that's fine. There's no right or wrong in this. It's really preferential, but you should just know if you do that, you're gonna be leaving for most business owners that spend at least a few thousand a month.   that's gonna cost you tens of thousands of dollars of free trips a year. So I'm like, is your simplicity of having one card worth that much? If it is, great, but maybe having a second or third card doesn't add that much complexity. But if you get an extra $30,000 a year trip out of it, probably worth it, right? So that's the first thing. But to answer your actual question, so I have an entire thing called the Credit Man purse. It's like this portfolio binder, and it's just stacked with cards. I mean, I have over 40 credit cards, but I've been doing this for a long time, right? And there's like, here's the thing also with credit.   Seth Bradley, Esq. (21:28.28) Hahaha   Eli Facenda (21:34.041) A big question, a lot of investors, specifically people that are doing real estate or business owners, really want to their credit clean and we're huge advocates of actually not just keeping your credit score the same but improving it over time. And when you get business cards, they don't show up on your personal credit report. Okay, the vast majority. The inquiry will, but the actual card won't. And some banks, you can actually get multiple cards with no additional inquiries. So like when we do a custom card plan for someone or when we're just recommending it, we're always saying like, make sure to look at which banks you already have relationships with.   Seth Bradley, Esq. (21:48.142) Mm-hmm.   Eli Facenda (22:02.373) which ones you can get a soft pull from, the order matters of these card applications. But at end of the day, you just want a couple of specific cards that are really gonna be custom built for you, and you don't have to go crazy with it. If you get excited and you're like passionate about it, you can get 10, 15, 20 cards over the course of several years, and if you do it right underneath your businesses, it's not gonna drop your personal credit score. Your personal credit score will actually go up over time.   Seth Bradley, Esq. (22:26.314) Mm-hmm. That's a good hack, man. I'll get I'm put you on a spot a little bit. I'm gonna explain like what what I see a lot of the people that are probably listen to this show have in place structured wise like organizational structure and it's kind of similar to mine. Mine's probably a lot more complicated, but just to keep it simple, you know, there might be a parent company, right? Like this overhead parent company that owns everything. So let's let's call it parent company, right? And then below the parent company, the parent company owns, let's say a management company.   This management company probably manages funds, manages properties, manages equity for investors, that sort of thing. And then they also might have these other businesses, right? Like it just depends on the person. Like for instance, I own gyms and some other, my law firm, things like that. So they might have these own individual operating companies that owns a gym or owns another business or does these other things. you know.   Eli Facenda (22:55.889) Mm-hmm.   Seth Bradley, Esq. (23:20.066) Based on that structure, so you've got a parent company, you've got a, let's call it an equity management or fund management or property management company, and then you've got kind of this other operating business. How would you structure, what credit cards I guess would you kind of recommend? Not necessarily specific ones, but like, do they need one for all three or, yeah, how would you think about that?   Eli Facenda (23:27.301) Mm-hmm.   Eli Facenda (23:36.593) Yeah, yeah, but how would you think about that? Yeah, totally. I mean, it's a super common question. Like this is exactly the kind of clientele that we work with all the time where they're like, are you sure this is gonna work for me? I have four rental properties, two companies, one holding company. I have an investment thing. I have this thing over here. It's like, yeah, it all works. So simple is the key. So it's always a spectrum too. Like some people are, again, really minimalist with like what they want. we always, like when we're doing this for a client, we custom build it. But.   The real recommendation there is we wanna, again, assess which of these companies are actually generating the highest amount of spend. And those are the ones we wanna start with first in terms of cards and really optimizing. Now, if you have a bunch of different companies and they all have a bunch of spend, the first key thing to know is that the points will go to the business owner, the person who personally guaranteed the card, not to the business. So there's no business points account. It's underneath your name, even if it's underneath the LLC.   So the points go to you. So if you have like six different companies and you have like three Chase cards and three Amex cards, all of those three Chase cards and all of those three Amex cards are gonna basically funnel up to your account, okay? So that keeps it simple in terms of how you can think about accruing these points. They're not gonna be scattered everywhere where you can't use them. So that's good to know. Same with the airlines, right? doesn't matter if it's an airline or a bank card. So that's the first thing. For these management companies, usually lot of them don't have much spend.   So what we'll tend to do is just get one card that is like a catch-all card. And so this would be a card that we want to have earn around 1.5 to two points per dollar spent. Because what we've done is we've taken the floor of what you're gonna earn on your everyday spend and we just increase it by 50 to 100%. Okay, so like let's say a parent company is used for some client meetings and some basic legal and admin stuff and it's like 1,500 bucks a month just to do upkeep and normal stuff like that.   and it's not a crazy amount of different categories to spend. You're not running ads, you don't have that much software, there's not really a lot travel happening with it. But if that's the case, then what we wanna do is get a card, maybe like the Chase Inc. Unlimited, which earns 1.5x on everything, and we'll say, look, we're gonna keep this simple. That holding company doesn't have a lot of points earning power, so let's make sure we get a card on it just to earn, but we don't wanna like go crazy and get a bunch of cards and try to maximize every dollar. But this company that owns four different gyms and spends...   Eli Facenda (25:52.369) 50K a month on equipment and advertising and payroll and all this stuff, that's the company where we wanna look to get maybe two or three cards that are specifically aligned with that business to spend because that is where you as an entrepreneur, as an owner, are gonna be generating the most return. It's gonna be from that one entity. So I hope that breaks it down in a way that makes sense, but this is also where, again, having your cards across two to three main banks will keep it relatively simple because even if you have four different entities, if it's under one Amex login, that makes it nice and easy too.   Seth Bradley, Esq. (26:22.53) Totally, totally. Awesome, man. I knew you could handle that. Easy, easy peasy. Cool, man. Let's go to number two, right? Using the points effectively. You kind of touched on a little bit of that strategy, but let's jump into that.   Eli Facenda (26:26.682) Easy basic.   Eli Facenda (26:32.709) Yeah, yeah, so the second thing was optimizing the upgrades and all that. I'll cover that one really quick. If you're going through the airport and you don't have TSA PreCheck and clear and lounge access, you're missing out on some really easy perks that will just make your life way more enjoyable. So that's the first thing. There's a lot you can do with hotel upgrades and status. So like when I travel and go to Miami tonight for a conference, I have status at Hyatt. I'm staying at Hyatt for two of the nights down here.   Seth Bradley, Esq. (26:39.628) Okay.   Eli Facenda (27:02.225) I probably would get upgraded to a suite that's worth like thousand to 1500 bucks a night because I know how to use the suite and I certificate, it's my globalist status, I know how to message the hotel the right way. So there's some strategies there where if you do that, whenever you're traveling, you just get a much better experience. You get early check-in, late check-out, the free suite upgrade, much more spacious room. A lot of times they have lounges at the property like when we were in Tokyo, a bunch of us stayed at the Grand Hyatt there. They had a beautiful lounge overlooking the city. They had breakfast every morning.   They had drinks all day. They had a great lounge area. We actually had a mastermind session in there and they like a 15 person breakout room for us to go to. It cost us $0 to use it. They had afternoon drinks and stuff like that. So these are just the things that make your travel much better. So small tweaks that over time just again, make it a much more enjoyable experience. But that bucket on how you use your points, this is one of the most critical pieces. And I've already kind of alluded to it with that Delta One example, but   I'll share another one. So on the way to Japan, right, we flew ANA business class. This is all Nippon. It's one of the premier airlines in the world for international business class travel. They actually have a seat called The Room because it's so spacious and big, your own big sliding door. They have like an omakase menu. You've got ramen, champagne. It's like really, really good. Amazing sake and green tea and all this good stuff.   It was like an incredible way to fly and you know, it's an 11 hour flight and I didn't sleep a wink because I was just eating the whole time. But here's the deal, right? So that flight for my fiance and I, it would have been $20,000 for the two of us. It's 10,000 a piece. Okay, San Francisco to Tokyo. We're going in peak season, mind you. So I have three options to book that flight. I pay cash for it, which you know, I do decent in business, but I'm not dropping 20 grand on flights.   just to get to Japan, like that's out, that's way out of my bucket of what I would ever want to do. The second option, I go to the bank site. Okay, so again, if you have AMEX points, a lot of people have AMEX cards, like the platinum or the gold card, and this is a good start, but when you go to the bank site, each point is worth one penny. Okay, this is the baseline value of a point. So what happens is if you go to AMEX travel, they'll say, okay, this flight would cost, let's call it 20 grand. So 20 grand times one cent for each point equals 2 million points.   Eli Facenda (29:20.977) So my second option would have been to go to Amex's site and pay two million points, which I don't even have. Okay, so I'm like, that wouldn't have even worked, but that's what most people are doing at use points. They're going directly to the bank site and they're booking using Amex travel and they're getting absolutely screwed. Okay. There's kind of, and then there's a third option, which is to go through the airline site. So there's like three A and three B. Three A would be like, again, you only have Delta miles and you're kind of screwed going just to Delta. I don't recommend that. But the last option is what we did.   which is where we had Amex points and Chase points, and I looked at my different options and I said, okay, what are the best partner airlines I can book through to get to Japan? Well, it turns out, ANA is a part of the Star Alliance, okay? United is also part of that alliance. Chase and United have a partnership where I could convert my Chase points into United miles. When I looked that up, I ended up finding the deal and there's ways you have to kind of search this and track it, but that same flight that would have cost me two million points,   through Amex or Chase travel directly cost me 220,000 points to transfer from Chase to United. And I paid $12 out of Okay, so $20,000 flight, I paid 12 bucks. But how did I do it? I had the right points first. I had enough of them because I had the right cards and the right expenses. I knew how to search for this flight. And then I was able to transfer these points from Chase into the airline. So the hardest part of this entire process   Seth Bradley, Esq. (30:30.402) Hmm.   Eli Facenda (30:49.413) is figuring out the points transfers and which partners are the right ones for certain airlines. That gets very nuanced and complicated. It's kind of like, you know, if you were talking to a CPA and someone's trying to explain how like the Augusta rule works, whatever, and like the CPA pulls up like the tax code and is like unveiling this long list of tax jargon. The average person is just like, what, just like tell me how to do it, right? That's kind of the same thing here. There's a lot of different like angles and transfer partners and bonuses and.   Seth Bradley, Esq. (31:12.43) Right.   Eli Facenda (31:17.689) alliances and partnerships and it gets kind of complicated but that's how it works.   Seth Bradley, Esq. (31:22.434) Totally, totally. So let's talk about that. how do you help people keep track of that or learn that or execute, I guess, on these strategies?   Eli Facenda (31:32.241) Sure, yeah, so for us, our company really has two main levels to it. So we have a community-based level where it's like you're just getting the fast track, you're getting help from experts. So I'm really good at this, but I'm more of an entrepreneur than a points nerd. So as I built this, initially I was the one on the phone with all the clients, walking everyone through it, and then I built a team. So I found basically some of the other points nerds in the world that I was mind blown by. I knew them from social media and just seeing their stuff, and I was like, that person has their stuff. So I brought them onto the team.   And so our clients will interact with both me and them inside of our community, but it's not just points. We're also providing really cool travel experiences. So for example, I posted this, but I'm going kiteboarding in Egypt in June on this epic like entrepreneur kiteboard trip where it's 40 entrepreneurs going to learn how to kiteboard together and masterminding on one. And so I'm attending, I sent it out to our clients and I said, Hey, if you want to come on this, our team will help you plan the flights out there on your point so you can get business class on the way out.   So I like to, because ultimately I wanna help people, my mission is to help people create more experiential wealth in their life. There's financial wealth, and a lot of people accumulate dollars, but they're not turning it into experiences. So I'm like, let's create more experiential wealth, and the points are the way to justify it. So we have that community level where you get access to our team, there's calls you can jump on, ways we help you plan trips, and then we have the done for you services, where we basically just handle it for you. That's more like, think of like a travel agency on points for entrepreneurs.   That's more of what that is. And in there we'll do the custom card planning and map out what cards you need based off of what your specific spends are and stuff like that. So we do some pretty deep intake. And we kind of are almost like a travel agent. It's a little bit different in some ways, but that's basically the two levels in how we help people.   Seth Bradley, Esq. (33:12.29) Great, man. I love how you build in the experience, right? Like that's part of it. Like that's what you're teaching anyway. So it's like, it's not like, hey, join this, join this group and then we'll talk about all these things. You're actually doing it. You're actually inviting them to execute on what you're teaching so that they can see it in motion and then they can continue to do it and experience life at a different level.   Eli Facenda (33:32.497) Absolutely. Yeah, I mean, like, I really love it too. like, I'm like, everyone that works with us is really, usually a pretty cool person. Like, if you're an entrepreneur and you have the guts to build your own business, and then you wanna travel the world, like by nature of that, you're already probably a pretty cool person. Like the majority of people that are doing that, I think well-traveled people are some of the most interesting people. If you want the best stories in life, like, someone who's traveled the world is gonna have some stories for you. And so when you combine those two, it's like, these are people I wanna hang out with anyways. So like, I'm going on a trip to Egypt. I'm like, come with, like.   Whoever in the community wants to come, let's have a party, let's go do it. So it's great thing.   Seth Bradley, Esq. (34:04.994) That's great. Awesome, man. How are you raising the bar in your life and your business right now? Like what are you doing to build your business further, building off of some of the things that you're offering right now? Where are you taking it to the next level?   Eli Facenda (34:18.833) Yeah, so we have a new project we're rolling out inside of our community, which I'm really excited about, which is even just in our lower tier membership, and it's called our DreamTrip Alert System. So what this is, is when people come in, this has never been done before in the world of points and miles or travel at all. So we're the first to do this, which I'm really excited about. So let's say you were to sign up. You're gonna come in and give us your DreamTrip destinations, the seasons or windows that you could go, the points you have, your home airport, all this stuff.   and our team is going through and we're not just finding you like a flight, because there are different alerts out there that'll be like, hey, we found a flight. And it's like, cool, one way from LA to London, but like, what am I gonna do when I'm there? Where am gonna stay? How am getting back? Right, it's like part of the puzzle, but it leaves a lot on you to figure out. And for our clients, most business owners and entrepreneurs, investors, they're too busy to piece all that together. So they're like, well, cool, that doesn't really help me. So we decided to do, we said, what if we...   just basically sent people like a mystery subscription box of their dream trips. And so when you come in and you fill that out, we gather it. And then a couple times a month, we're gonna send out alerts where it's like a 30, 40 or $50,000 type trip, somewhere incredible in the world. We're talking Greek islands, Amalfi Coast, Japan, New Zealand, African safaris, Maldives, Bora Bora, places like that, business and first class flights, five star hotels, four pennies on the dollar. So these are like, we get $40,000 trips where people will end up paying a thousand bucks, 1500 bucks, two grand out of pocket.   Seth Bradley, Esq. (35:25.389) Mm-hmm.   Eli Facenda (35:44.337) And so we're gonna send the entire trip to you. So it's like the flights, the hotels, the entire step-by-step booking, the recommendations on the ground, the entire experience. And so we're sending those out so people come in, they tell us when, where, like the things they wanna do, and then they're just gonna get these alerts where it's like every month they're gonna be like, you you're sitting there with your wife, hey babe, you wanna go to Bora Bora in like June? It's gonna cost us like 800 bucks and it would be a $30,000 trip. It's like that's what I want. That's what I wanna create. So that's us raising the bar in the industry and in our business.   Seth Bradley, Esq. (36:06.35) you   Eli Facenda (36:13.615) I'm very excited, it's brand new for us, so I'm just pumped to see that continue to roll out, because it's, for me the mission is to help people live with experiential wealth in the form of travel. And so, usually there's some barriers that get in the way. There's time, there's planning, and then there's cost. And what we're trying to do is eliminate as many of those barriers as we can to make it just easier to say yes to the trip.   Seth Bradley, Esq. (36:34.252) Yeah, man, sign me up, dude. Sign me up. I feel like you've got to get both significant others on your list, right? So they both see it and whoever's like the person is like, we've got to do this, you hit both of them and then they convince the other one to do it.   Eli Facenda (36:36.625) All right.   Eli Facenda (36:49.477) Yeah, right. Yeah, exactly. There's usually one. There's usually like sometimes it's the husband's on the call and he's like, dude, I don't know where we ever travel. Like I'm gonna pay for this, my wife's gonna do everything or it's the opposite where the guy's like, you know, she just shows up and I tell her where we're going. And so like that's my relationship. I'll be like, you know, it's my industry, my passion. I'm like, we're going here and then here. And she's like, tell me where to be. And she just has no idea where we are and she just loves it. And I'm like, I like planning. So, you know, but it's different for everybody.   Seth Bradley, Esq. (37:11.736) Yeah.   Seth Bradley, Esq. (37:17.144) For sure, for sure, man. All right, brother, this has been incredible. Tell our audience where they can find out more about you, where they can get involved with all the things, all the incredible things that they've heard on this show. Throw it out there,   Eli Facenda (37:28.859) Totally. Yeah, a couple of main places. So the first thing I'll share is that we have what I call the CEO Points Playbook. This is something I custom built. Took me a long time, and this was not a Chad TBT prompt. Like, I really built this on my own. And it is like a 30 to 40 page playbook that any business owner or entrepreneur can use to really maximize their travel experiences, get better bucket list trips, figure out the right cards for them. And it's normally 150 bucks, but if you go to freedomtravelsystems.com   forward slash playbook and you put in the code RAYS, you're gonna get it for free. Okay, so anyone listening, it is free for you. And so that's gonna be freedomtravelsystems.com forward slash playbook and then use the code RAYS, maybe we can put it in the show notes. And so that'll be the first thing. Second place is if you're like just want done for you services, just take off that forward slash and go to freedomtravelsystems.com. can talk to myself and one of the team members. And the last place, I hang out on Instagram and post a lot there, that's where we connected.   Seth Bradley, Esq. (38:14.049) Absolutely.   Eli Facenda (38:27.595) And that's where I'm sharing the most like behind the scenes and as I'm booking this stuff, as I'm planning it, as I'm showing like what our clients are doing, you get to see more of the visuals and the fun and come along for the ride. And so I love engaging on Instagram as well.   Seth Bradley, Esq. (38:40.27) Great. Thanks Eli. I really appreciate you coming on the show,   Eli Facenda (38:43.973) Thanks Seth, appreciate you having me on.   Seth Bradley, Esq. (38:45.806) All right, brother, talk soon.   All right, sweet dude. Nice. Yeah, right around 30 minutes. Let's see. Yeah, we'll just jump into these last few questions here.   Eli Facenda (38:51.748) Awesome.   Eli Facenda (38:55.205) Perfect.   Seth Bradley, Esq. (39:03.862) Welcome to Million Dollar Monday with Eli Fisenda. Let's just jump right in. Hey brother. Yeah, how did you make your first million?   Eli Facenda (39:09.243) Let's do it.   Eli Facenda (39:13.499) So I actually made my first million in a tour company. Now I made the first million, I didn't get to keep the first million, but what we were doing, we were running sports trips all over the world. This is actually part of how I fell in love with the travel industry and the work that I now do with points. And ultimately what we were doing, we were creating these international tour packages for youth sports teams and families to go on these international tours. think of like a 14 year old baseball team in your, you're in San Diego. We'd like do a selection of kids.   Seth Bradley, Esq. (39:19.694) Sure.   Eli Facenda (39:41.329) from that area and the families would come and they would go to Japan or Italy or wherever and travel for 10 days, experience the culture, have an educational tour and also play the local teams. So we did that in a variety of sports, ice hockey and baseball and lacrosse and all these different sports. And we were growing a lot and then that was ramping right until COVID and that just decimated the entire business. we took us about two years to get to a million and then we started to double almost every year for a few years and that was like.   Seth Bradley, Esq. (40:02.432) Mm.   Eli Facenda (40:09.399) Really, really tough break at COVID, but that was the first million.   Seth Bradley, Esq. (40:11.63) COVID man. Nobody saw that coming. mean.   Eli Facenda (40:13.881) No, definitely, you know, group, large, large group sports international travel was like the worst potential. Like you can't go overseas and you definitely can't do it with 60 people. So was, was a brutal industry to be in.   Seth Bradley, Esq. (40:25.506) Right? Yeah, there were certain sectors that just, I mean, there was nothing you could do. We opened up our first gym actually two weeks before COVID hit in 2020. we had our, us like two years to open and then our grand opening. And then we had a bunch of free clients in those first two weeks. And then they ended up being free clients for about a year because we couldn't charge them. Cause we couldn't get them back in the gym. We're doing online workouts and all that kind of stuff is insane.   Eli Facenda (40:36.817) Ugh.   Eli Facenda (40:47.696) Wow.   Eli Facenda (40:53.337) And that's like where the true entrepreneurial muscles are definitely strengthened in times like that though. mean, like the people that bounce back and figure it out, like you just have a new sense of confidence of like, you know, I can handle anything.   Seth Bradley, Esq. (40:54.22) But hey, we adapt,   Seth Bradley, Esq. (41:06.764) Yeah, man. I mean, you pivot, right? Like I actually ended up launching my first podcast during during COVID because I was stuck inside and it was like, all right, let's let's do this. Let's get on Zoom and interview people and all that kind of stuff, man. So that leads us right to the next question. And how do you make your last million? How do you make that transition?   Eli Facenda (41:12.859) Cool.   Nice. Cool. I'll it.   Eli Facenda (41:24.143) Yeah, so the last million that I made was in the current business that I have. so essentially what we've been doing there for about four years now is helping entrepreneurs maximize their travel on credit card points. So helping them get their dream bucket list trips, these 30, 40, $50,000 trips all over the world for about 90 % off by leveraging credit card points. And we've traditionally had some pretty high ticket services. I mean, not crazy expensive, but like, you five, 10, 15 K and that range has been the main main service. And so,   We cracked our first million about two years in, so that was 2020, 2024 actually was the first year we made a million there.   Seth Bradley, Esq. (42:00.526) Awesome man, awesome. How about your next million? Where are you scaling to?   Eli Facenda (42:04.305) Yeah, so the next million I wanna make is the same business. love what I do, I really enjoy it. And what I wanna do is do it in a more community oriented and lower ticket way. So I wanna have bigger reach, more digital products, more of the community, more affiliate services and stuff like that. And I'm really excited about kind of cracking the code on that, because we've done it decently with the higher ticket stuff, more agency level, service level stuff, which is great. And we're still cranking on that, we're gonna keep growing it. But I really wanna see what we can do with...   So the lower ticket stuff, creating awesome stuff on YouTube that leads to different channels and distributions there. So that's the next million and same business, just different type of money.   Seth Bradley, Esq. (42:41.57) I love it man, yeah, that's kind of opposite of how some people approach it, right? You usually start with a lower ticket and then you have to build up that base before anybody will give you, you know, higher, pay for that higher ticket product, but you're kind of working backwards because you want to help more people.   Eli Facenda (42:56.677) Totally, exactly, yeah, and there's a limit. mean, what we do in the high ticket is incredible, but it really is a specialized skill. Like you think about like a bookkeeper or an accounting firm or something, like there's like a million bookkeepers. There's like 50 people that know points and travel to the level that I need them to know it to really serve clients with the highest level. So there's a real limit on the ability to scale that. And so it's also just like, we wanna be able to do really quality work for less people, but then serve more people with the other stuff too.   Seth Bradley, Esq. (43:25.368) Totally, totally.   Seth Bradley, Esq. (43:29.518) Cool, let's jump into the next one dude and we'll wrap up. Eli, you're clearly in the top 1 % of what you do. I don't even know if there's that many people out there that do what you do at all, period. So clearly in the top 0.0001%, what is it about you that separates you from the rest of the field?   Eli Facenda (43:49.701) I think it's our ability to actually live what we preach. This is something where, you know, there are other fantastic people that talk about credit card points, but very few of them are actually business owners, like that's who we serve, and very few of them are actually traveling in the way that they're trying to help people travel. So we've done both. I've built multiple businesses, so I understand the psychology and the relatability of how you wanna think about travel and points and the various stresses in your life, the limitations on time and complexity. And I also,   Seth Bradley, Esq. (44:06.062) Hmm.   Eli Facenda (44:20.636) What just happened?   Seth Bradley, Esq. (44:22.998) I'm not sure. We can splice it together, but let's see. Lost the video.   Eli Facenda (44:26.748) Let me see here. Did my camera die or something?   Bizarre. second.   Seth Bradley, Esq. (44:36.076) Yeah, weird. Never had that happen.   Seth Bradley, Esq. (44:42.038) Not a big deal, we can splice it together, but let's see if we can get your camera working again.   Eli Facenda (44:46.992) Don't see my camera get help. Is the audio coming through okay? Did it switch over there to my MacBook from the other one? Or it sounds the same.   Seth Bradley, Esq. (44:51.564) Yeah, I can hear the audio.   Seth Bradley, Esq. (44:57.806) I don't know. All I see is like a car. It's like I don't know. It's a card with a symbol on it I wonder what that is that riverside or is that your symbol? I can't be your symbol   Eli Facenda (45:06.556) weird. Get help.   Eli Facenda (45:12.006) Let me see.   trying to check this out.   Seth Bradley, Esq. (45:19.458) We can also just finish it with audio.   Eli Facenda (45:23.556) Is it, Dude, I don't know what's going on. Sorry about that. I've never seen...   Seth Bradley, Esq. (45:28.654) no worries, dude. We can just finish it with audio anyways.   Eli Facenda (45:31.63) New recording track created the participants have been recorded.   Issue device struggling to record. High load on your device. Try closing all other apps. Give me one second. I don't have any apps open. That's really weird.   Eli Facenda (45:53.126) Yeah, I don't know man. I apologize. I Okay, well yeah   Seth Bradley, Esq. (45:57.219) you're good, We'll just finish an audio and then I'll pull up for the video. I'll just black screen to a logo or something. So all good. I don't exactly know where you're at. If you want to start that sentence over.   Eli Facenda (46:04.048) Okay, cool.   Eli Facenda (46:07.866) Yeah, I'll just, I'll say, I'll just start. So yeah, so not only have we really walked the walk with actually living what we preach, but we also understand that psychology of what it's like to be a business owner, your limitations on time and complexity and all that stuff. And because we're talking about travel, people also want to know like what's actually in store for me in this destination. I've been to 50 countries now and my business partner has been to almost 100.   We have other team members who are all over 30, 40, 50 countries. So we've been to a lot of the destinations around the world that we're advising people to go to. So we know the ins and outs, best places to stay, hidden gems, top restaurants, stuff like that, that really add another layer of personalization and true experience into the service. So I think those are the things that really make us most credible in this space.   Seth Bradley, Esq. (46:57.506) Dude, it's so important, right? Like there's so many, you know, there's so much content out there now. There's gurus and coaches and mentors, whatever you want to call them. Like the ones that are truly valuable and that people should pay attention to are the ones that are actually practicing what they preach, right? The ones that aren't just selling you education or aren't just selling you a product. Like they're actually, they've done what they're selling and they continue to   enjoy or do what they're selling.   Eli Facenda (47:28.635) 100%, yeah, if you're a living embodiment of what you do, it makes it that much easier to communicate it and sell it because you just are the thing you're selling.   Seth Bradley, Esq. (47:38.764) Yeah, absolutely. What's one thing someone listening could do today to get 1 % closer to their dream life?   Eli Facenda (47:45.089) One thing that would be the easiest is to spend 30 minutes, go on Instagram, go on your favorite social media site, go on some travel blog site, look for your dream destination, then pull up your calendar and put a time on the calendar where you're committing to go. One of my favorite quotes is from Tim Ferriss, I forget the exact quote, but basically the idea is that if you don't schedule your fun first, it won't happen.   because your business and your life will take up as much space as you allow it to. So most people find that I'll take the trip when it's convenient. I'll take the trip when I have more time. That time is never coming until you make it a priority. So the one thing they can do to get closer to their dream life is to just make a more bold commitment to putting the time on the calendar and be like, I am going and make some sort of investment, whether you're telling someone, whether you're putting some money down, whether you're learn the point stuff, that's gonna be the biggest leverage you can make.   to make sure that you actually follow through on taking these trips and then you'll find how to get there on points if you need to from there.   Seth Bradley, Esq. (48:50.766) 100 % man, gotta put it, people, entrepreneurs, people like us, we work in all the time, you've gotta put it, put it in your schedule. You've gotta block it out, commit to it.   Eli Facenda (48:59.821) Absolutely, 100%.   Seth Bradley, Esq. (49:04.554) Alright dude, I think we got it wrapped up, man.   Eli Facenda (49:05.743) Beautiful. Awesome, Dan. Well, this was super fun and I apologize agai

George, Dan and Jack reflect on Fulham's 1-0 win over Eintracht Frankfurt, Raul's stunning free-kick, and transfer links between Muniz and Atalanta. They also discuss left-back concerns ahead of the trip to the Amex and react to Marco Silva's comments on Fulham's transfer dealings.Guests:George CooperDan Cooke Jack KellyProducer:Freddie Cooper Check out First Up: Football! : https://podfollow.com/first-up-footballSupport Fulhamish's independent podcasts, videos and articles by subscribing to our Substack: http://www.fulhamish.co.ukFollow Fulhamish on socials:http://www.x.com/fulhamishpodhttp://www.instagram.com/fulhamishpodhttps://www.tiktok.com/@fulhamishhttps://www.youtube.com/@fulhamishpodSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Financial Coaching & Money Mentor Opportunities Feeling confident in your research but stalled when it comes to taking action on your military family's financial plan? From TSP questions to credit card strategies, this episode explains how an hour with a dedicated coach can transform hesitation into clear, personalized next steps. Key Points & Topics Defining financial coaching vs. advisory services No sales pitches, no commissions, no product upsells Confidential, unbiased guidance tailored to your goals Who benefits most Active duty, Guard, Reserve, military spouses, cadets, midshipmen Dual-military couples, high-net-worth families, soon-to-commission officers Typical coaching session structure Pre-call questionnaire to customize the conversation One-hour call via Google Meet  Post-call recap email with transcript and bullet-pointed action steps Sample coaching topics TSP vs. traditional/Roth IRA decisions Career starter loan considerations Financial therapy: uncovering money scripts and spending habits Helping improve communication with your spouse around money Credit card strategies, MLA/SCRA protections, maximizing points redemptions State tax benefits and Military Spouse Residency Relief Act Booking details and logistics Schedule via Calendly at militarymoneymanual.com/mentor One-time fee ($150 currently as of time of recording), no recurring charges, Full refund if not valuable Option to be referred to military-friendly CFP network if needed such as Military Financial Advisors Association (MFAA) or Military Tax Experts Alliance Links Mentioned https://militarymoneymanual.com/mentor https://hellonectarine.com/r/military https://militaryfinancialadvisors.org https://militarymoneymanual.com/UMC3 Stop second-guessing and start implementing your financial plan today. Book your one-hour military money mentor session today and walk away with a clear roadmap to your goals. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Lots of deals were happening for "Summer Black Friday" also known as Prime Day/Week. I continued to focus on Airpods from Best Buy with great success. I also experimented with the Amex $1k offer for Dell, and some more stuff with Walmart and Costco.For a full catalog of episodes, and the private Slack group, please go to churninglife.com for a link to the Patreon page.

(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse  ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction00:30 How to set award alerts using Seats.aero03:05 How to set award alerts using Roame05:30 Requesting personalized GeoBreeze tutorial05:50 How to set earning notifications using SaveWise08:15 Using CardPointers Plus for offer reminders09:35 Downsides of too many notifications10:10 Manual calendar reminders for Amex credits12:10 Filtering deal newsletters in Gmail14:30 Skimming newsletters without distraction15:15 Final thoughts You can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/ ➤ Instagram: https://www.instagram.com/geobreezetravel/ ➤ Credit card links: https://www.geobreezetravel.com/cards ➤ Patreon: https://www.patreon.com/geobreezetravelOpinions 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. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

This week's guest is Carolina Lasso — a former Google and AmEx high-flyer who, on her 34th birthday, realised she had everything she'd ever worked for… and felt absolutely nothing. What followed was a six-month sabbatical, a solo trip around the world, and a radical redefinition of what it means to be successful. Let's get into it.

We're winding down our summer road trip series with an epic listener-submitted adventure through Arizona's most stunning spots (thank you Maria!)—from Phoenix to Flagstaff, Sedona, and Page.Join us as we share highlights from this five-day, 800-mile trip filled with gorgeous landscapes, fun hotels (think Wyndham and Hilton), delicious local eats, and unforgettable hikes. Whether you're planning a getaway or just love travel inspiration, this episode has plenty of tips for points, driving, and exploring the Southwest.If you're dreaming of desert views and red rocks, this one's for you!Submit Your Summer Road Trip Series Story HEREFacebook GroupWonderland On Points BlogVisit Sedona Facebook GroupFind Us On InstagramMary Ellen | JoLinks30% off the CardPointers subscription!FlyKitt- the BEST Jet Lag Solution!Tripiamo Driving TutorialsOur Favorite Travel NecessitiesCredit Card Affiliate LinksThe above link includes referrals for Capital One Travel Cards. If you need AMEX or Chase please reach out and we would be happy to send you our personal referral links.We receive a small commission when you use our links. This is an amazing way to show your support for the show at no cost to you ❤️

Wondering how to unlock premium travel perks and avoid annual fees while serving on Active Duty, the Guard, Reserves? Or maybe you're a military spouse and curious if you qualify for the same protections and waivers? This episode dives deep into the ins and outs of MLA and SCRA protections, credit card strategies, and maximizing those free hotel nights and points. Links & Resources Mentioned: Spencer's article explaining MLA Database MLA Database Lookup SCRA Request Page – Amex Mentorship with Spencer & Jamie For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Ready to level up your credit cards and travel rewards in 2025? In this episode we have two time guest Alli back to participate in a round table episode about our most recent cards. Alli shares her firsthand experience going after the huge 200,000-point welcome bonus on the Chase Sapphire Reserve Business card, weighing the steep $795 annual fee against valuable benefits like lounge access and travel credits. We unpack the challenges of Chase business card approvals, compare perks of popular cards like Amex Blue Business Plus and Chase Ink Business Unlimited, and share practical tips on maximizing points for everyday and big-ticket spending. Whether you're new to business cards or a seasoned points collector, this conversation will help you plan smarter and travel further with points and miles.Submit Your Summer Road Trip Series Story HEREFacebook GroupWonderland On Points BlogFind Us On InstagramMary Ellen | Jo | AlliEpisode SponsorFirefly Recovery - Use code "WONDERLAND" for 15% off your orderMentioned in this episodeFavorite Baby/Toddler Travel ItemsEpisode 13- Paris on Points with AlliLinks30% off the CardPointers subscription!FlyKitt- the BEST Jet Lag Solution!Our Favorite Travel Necessities Credit Card Affiliate LinksThe above link includes referrals for Capital One Travel Cards. If you need AMEX or Chase please reach out and we would be happy to send you our personal referral links.We receive a small commission when you use our links. This is an amazing way to show your support for the show at no cost to you ❤️

In this heartfelt midweek mini, Joanna and Mary Ellen open up about the deeper meaning behind points and miles — how these travel tools can bring joy and relief during challenging times. They share moving listener stories about caretakers and families who used points to create precious travel memories amid hardship, reminding us all why this podcast exists: to empower people to travel smarter and live fuller.Their guest Lindsay, a longtime friend and foster mom, joins the conversation to talk about how points helped her family carve out a much-needed mini escape during a difficult season of caregiving. From canceled trips to spontaneous getaways, Lindsay's story highlights the true power of points beyond the glam.Then the duo dives into a practical, insider tip for Broadway lovers: the Broadway Direct app. Mary Ellen discovered this lottery-based ticket app that scores you deeply discounted tickets for top New York shows like Stranger Things and Death Becomes Her — often at a fraction of the regular price. They break down how the app works, how to navigate its quirks, and share their own winning experiences (including front-row seats and first-class flights!).Submit Your Summer Road Trip Series Story HEREFacebook GroupWonderland On Points BlogFind Us On InstagramMary Ellen | JoLinks30% off the CardPointers subscription!FlyKitt- the BEST Jet Lag Solution!Tripiamo Driving TutorialsOur Favorite Travel NecessitiesCredit Card Affiliate LinksThe above link includes referrals for Capital One Travel Cards. If you need AMEX or Chase please reach out and we would be happy to send you our personal referral links.We receive a small commission when you use our links. This is an amazing way to show your support for the show at no cost to you ❤️

In this episode of Industry Talk Podcast, Jazz the CEO discusses financial wellness with financial advisor Seth McCoy-Leffall. They explore the importance of retirement planning, benefits for entrepreneurs, and the necessity of disability and life insurance. The conversation delves into business insurance, key person policies, and buy-sell agreements, emphasizing the need for comprehensive financial planning. Seth shares insights on investing and the role of trusts in wealth management, encouraging listeners to take control of their financial futures.Take my Master Mind digital course:https://jaztheceo.gumroad.com/ Join my online training app "THE PROTECTORS CLUB": https://theprotectorsclub.mn.co/share/EfcLt4GYNsJ1oEY8?utm_source=manualShop my amazon store for industry gear:https://www.amazon.com/shop/influencer-3ca52a86?ref=exp_inf_sh_mb_pub_influencer-3ca52a86_cp Book firearm/P.I/security Training:https://jaztheceo.gumroad.com/ Shop Temu industry finds( 30% off link below):https://temu.to/m/uthe5co0sbyThis Podcast brought to you by1. Mantis Tech (Dry fire tool) : https://mantisx.idevaffiliate.com/idevaffiliate.php?id=201 2. Right to bear (Self defense insurance) : USE CODE AHSEC https://protectwithbear.com/pages/terms-conditions?srsltid=AfmBOorGitBOoU3cvuoxF2NQ5pdZkjW9OtEPz0xsGujf_lWAEUslcd9X 3. American Express Business : Here's my Amex referral link. Use it and we could both earn rewards if you are approved and get a Card. Check out offers and Card benefits. PLATINUM - https://americanexpress.com/en-us/referral/business-platinum-charge-card?ref=JASMILfzA0&xl=cp10mgGOLD - https://americanexpress.com/en-us/referral/businessgold-card?ref=JASMILr0Oa&xl=cp10mgPLUM - https://americanexpress.com/en-us/referral/the-plum-card-business-charge-card?ref=JASMILkLLL&xl=cp10mgAMAZON AMAEX - . https://americanexpress.com/en-us/referral/cobrand/JASMILpwLS?xl=cp10mg

Remember when you were spooked by April's market dip? Spencer and Jamie unpack how to discuss your feelings of panic this past April, stay calm, stick to your investing philosophy, and make smart moves post-crisis. Key Takeaways: The S&P 500 dropped 19%, sparking fear, but headlines thrive on panic. Debriefing your emotional response helps clarify your strategy. Automate contributions to reduce emotional decision-making. Now's the time to create or revise your personal investing philosophy and asset allocation. You don't actually "lose" money unless you sell your shares when they're down. Long-term success comes from consistency, not reaction. Action Steps: Reflect: How did you feel during the downturn? Write down your investing philosophy. Automate TSP/Roth IRA contributions and delete trading apps. For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

This week we sat down with the amazing Jen from @DiveIntoPoints to hear all about her incredible points-powered trip to Italy. She and a friend flew in style, stayed in dreamy locations across the country, and packed a lot into just nine days—without spending a fortune. In this episode, we talk through what it's like to fly Emirates business class there and Emirates FIRST CLASS home (hello, shower in the sky!), how Jen planned the trip after a sudden change in plans, and what destinations made the biggest impact.We also get into which tourist spots felt worth the hype, which ones she might skip next time, and how she made the most of her time across Rome, Florence, Amalfi, and Milan. If you're dreaming of Italy—or trying to decide where to go—this conversation is full of insight, inspiration and tips that'll have you pulling up your points balances and looking at flights.Submit Your Summer Road Trip Series Story HEREFacebook GroupWonderland On Points BlogFind Us On InstagramMary Ellen | JoMentioned in this EpisodeFlorence MarketSan Marco RestaurantFetch AppKatie'a Travel Tricks Video (Free eSIM)TripItJen's Photography InstagramLinks30% off the CardPointers subscription!Our Favorite Travel NecessitiesCredit Card Affiliate LinksThe above link includes referrals for Capital One Travel Cards. If you need AMEX or Chase please reach out and we would be happy to send you our personal referral links.We receive a small commission when you use our links. This is an amazing way to show your support for the show at no cost to you ❤️

What is the Fed, and why does Jerome Powell seem to have Wall Street on speed dial? This week, we unpack the power and purpose of the Federal Reserve—who runs it, who appoints them, and how their decisions ripple through everything from Treasury bonds to your credit card APR. We break down the rates the Fed actually controls (spoiler: it's not all of them) and why those moves matter. Plus, if the Fed is supposed to be independent, why does it feel like politics—especially Trump's calls for lower rates—are always lurking in the background?Next, we ask, “Is the upper middle class having an identity crisis?” We dig into the surprising squeeze on America's “comfortably wealthy.” From overcrowded Amex lounges to bidding wars for average homes, we explore how rising wealth—especially among the top 10%—is making luxury feel less exclusive. We explore what it means for expectations around lifestyle and status, and how the wealth ladder is getting more crowded at the top.In Part 1 of our series on the evolution of payments, we dive into the rise of credit cards and how they reshaped the way we spend. We explore the move toward a cashless society—fueled by digital wallets and tap-to-pay tech—but also spotlight the pushback: small businesses are passing credit card fees onto customers, and even some places going cash-only. So where are we really headed? Is cash dying, or just evolving?Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.Henssler Money Talks — July 26, 2025  |  Season 39, Episode 30Timestamps and Chapters8:27: Third of the Way Through Earnings Season19:58: The Fed's Big Influence 32:03: Too Many Millionaires, Not Enough Pool Chairs54:13: From Cash to Tap: How Credit Cards Changed EverythingFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup  “Henssler Money Talks” is brought to you by Henssler Financial.

In today's podcast episode, we'll talk about how JetBlue bonvoyed Nick, how Accor bonvoyed Greg, and finally, two new transferable points programs and a new credit card that allows us to earn transferable points.Giant Mailbag(00:58) - "I've noticed that you love to be underwhelmed by the Amex Green card. In your recent episode about travel cards, it seemed like you couldn't contain your boredom with it, despite its valuable 3x Amex points for all types of travel ... A major benefit that you may have overlooked is constant Amex Offers from travel providers, which I've combined with the 3x on the Green card for a lot of value."Catch Episode 315 here.Card News(05:43) - Citi Strata Elite. Here's what we expect...(08:59) - Southwest card offers...Crazy Thing: Citi!(15:09) - Citi to Accor 1 to 1Bonvoyed(17:54) - Capital One brings back baseball tickets, but shuts out Venture X cardholders(21:08) - JetBlue's 25% off sale with code SAVE25...but "fares booked with SAVE25 will not be counted towards 25 for 25"Awards, Points, and More(24:15) - Bilt transforming travel portal(30:52) - JetBlue Mosaic first impressions(35:11) - Escape lounge SJU and The Beekman Tower NYC(38:51) - Greg's experience with Accor Live Limitless(46:26) - Greg's experience flying American Airlines with Alaska milesMain Event: 3 new ways to earn transferable points(50:22) - Why we care so much about transferable points(52:50) - Rove Miles(1:00:58) - Consider using our referral link here.(1:01:33) - MesaRead more about Mesa here.(1:08:55) - Rakuten American Express® CardLearn more about the Rakuten American Express® Card here.Question of the Week(1:17:21) - A rep says you can only use an Alaska Credit Card to book companion fare flights... this is a problem when a companion fare cancellation goes to your Alaska wallet (which then can't be used for a new companion fare according to this new policy.) What gives?Subscribe and FollowVisit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “Ocean Deep” by Annie Yoder

In this Quick Hits episode of Revolutionizing Your Journey, DeAndre Coke covers major travel updates and points news that can impact your strategies right now. Delta is rolling out AI-powered pricing that may personalize airfare based on traveler data, while Citi introduces the new Strata Elite card with intriguing but high-fee perks. DeAndre dives into Hyatt's new family plan rate and their upgraded award calendar, plus exciting promos for earning triple points in Latin America. He also shares key updates on Amex's more restrictive welcome offers and the new speakeasy-style Centurion Sidecar lounge. A standout tip this week? Zil Money's payroll payments now code as 4x on the Amex Business Gold. Tune in for tips, alerts, and quick wins.Key takeaways: Delta's Dynamic Pricing: Delta is expanding its AI-powered airfare pricing, potentially personalizing fares per traveler.Citi Strata Elite Card: The new Citi card offers up to 100k points—but with a steep annual fee and targeted benefits.Hyatt Family Plan: Families can now get 50% off a second room at select Hyatt properties—even when the first is booked with points.Hyatt Award Calendar Upgrade: Hyatt's app and site now display availability directly in the points calendar.Triple Points in Latin America: Earn 3x World of Hyatt points on cash stays in Latin America and the Caribbean through October 31.Amex Welcome Offers: Amex is rolling out “as high as” offers with personalized results, making elevated bonuses harder to spot.Centurion Sidecar Lounge: Amex will launch a new speakeasy-style lounge for quick visits at LAS in 2026.Resources:Earn 3X Points on Your Next Hyatt StayAct now - Protect your points!Book a Free 30-minute points & miles consultationStart here to learn how to unlock nearly free travelSign up for our newsletter!BoldlyGo Travel With Points & Miles Facebook GroupInterested in Financial Planning?Truicity Wealth ManagementSome of Our Favorite Tools For Elevating Your Points & Miles Game:Note: Contains affiliate/sponsored linksCard Pointers (Saves the average user $750 per year)Zil Money (For Payroll on Credit Card)Travel FreelyPoint.meFlightConnections.com

In this episode, Scott Becker breaks down sharp gains in Krispy Kreme and GoPro driven more by market speculation than earnings, while Tenet Healthcare faces a stock dip despite strong results and AMEX posts modest gains amid high consumer spending.

In this Midweek Mini episode, we react to the brand new US News & World Report 2025-26 rankings of the best travel rewards programs. We share our initial thoughts on the surprising twists and turns in both hotel and airline loyalty programs and how these rankings might change the way you think about earning and redeeming points. We also reveal how we're preparing to dig even deeper with an upcoming interview featuring a senior travel editor from US News, who will give us insider insights and answer your burning questions. If you want to stay ahead of the game and discover potential opportunities in the evolving points and miles landscape, this episode is for you!Submit Your Summer Road Trip Series Story HEREFacebook GroupWonderland On Points BlogFind Us On InstagramMary Ellen | JoLinks30% off the CardPointers subscription!FlyKitt- the BEST Jet Lag Solution!Tripiamo Driving TutorialsOur Favorite Travel NecessitiesCredit Card Affiliate LinksThe above link includes referrals for Capital One Travel Cards. If you need AMEX or Chase please reach out and we would be happy to send you our personal referral links.We receive a small commission when you use our links. This is an amazing way to show your support for the show at no cost to you ❤️

In this episode, Scott Becker breaks down sharp gains in Krispy Kreme and GoPro driven more by market speculation than earnings, while Tenet Healthcare faces a stock dip despite strong results and AMEX posts modest gains amid high consumer spending.

Today, we'll talk about how to make sure you don't lose your points when you cancel a credit card. Since this varies by bank or points-type, we'll discuss tips for each situation.Do you lose your points when you cancel your credit card?(00:37) - Airline and Hotel cards... no, you won't lose your points.(02:32) - Bank cards... yes, you could lose your points.(03:48) - Chase solutions(06:10) - Amex solutions(09:27) - Citi's weird rules(12:17) - Capital One solutions(16:06) - Quick summaryVisit https://frequentmiler.com/subscribe to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – Beach Walk by Unicorn Heads

Want more MTM Vegas? Check out our Patreon for access to our exclusive weekly aftershow! patreon.com/mtmvegas Want to work with us? Reach out! inquiries at mtmvegas dot com Episode Description This week experts debated the change of the slot handpay threshold with some still saying it isn't happening, but most agreeing that it is. What do we know and when will these changes take place. Is this enough or should it be raised even further? In other news Amex has announced a new type of lounge and it is coming first to LAS. We also discuss: a NV gaming operator bankruptcy, a crazy Bellagio bachelor party gone wrong, bye golf hello houses, over the top garlic rolls, saving on Vegas trips, Blue Martini's closure, Strat's roller coaster and how you can cruise the Strip for free in a robotaxi. Episode Guide 0:00 A new winning slot playing strategy 0:34 Bachelor Party gone wrong at Bellagio - Banned for life? 1:59 Great videos on saving on Vegas rooms, shows, food and more 3:09 Goodbye golf - Huge new development coming to Downtown Vegas 4:55 Nevada gaming operator files bankruptcy 6:41 The most painful hand of blackjack 7:55 $.99 over the top garlic rolls in Vegas 9:14 The IRS handpay threshold may have changed after all 11:32 Another example of Vegas fees and misleading bills 13:31 Cool history of the original Vegas High Roller 15:10 Strat's early problems and why High Roller went away 17:10 Blue Martini moving - New 3 story Strip flagship? 18:52 Amex announces new “Sidecar” lounge concept for LAS 20:31 Cruise the Strip in a free robotax Each week tens of thousands of people tune into our MtM Vegas news shows at http://www.YouTube.com/milestomemories. We do two news shows weekly on YouTube with this being the audio version. Never miss out on the latest happenings in and around Las Vegas! Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Podcasts, Spotify or by searching "MtM Vegas" or "Miles to Memories" in your favorite podcast app. Don't forget to check out our travel/miles/points podcast as well!

Nick Maggiulli, COO at Ritholtz Wealth Management and author of "The Wealth Ladder," presents his data-driven framework for understanding wealth progression. He explains his six-level wealth ladder system (from under $10K to over $100M) and introduces the 0.01% spending rule for lifestyle decisions. Maggiulli emphasizes focusing on controllable factors rather than macro predictions, shares his personal journey from working-class background to level four wealth through consistent content creation, and discusses why different strategies are needed at each wealth level. He advocates for the "just keep buying" approach for level three investors while acknowledging that business ownership becomes necessary to reach level five.Sponsors: Monetary Metals. https://monetary-metals.com/julia Kalshi: https://kalshi.com/juliaLinks:The Wealth Ladder: https://www.amazon.com/Wealth-Ladder-Proven-Strategies-Financial/dp/0593854039/X: https://x.com/dollarsanddataOf Dollars and Data: https://ofdollarsanddata.com/Timestamps:0:00 Welcome and introduction - Nick's return to the show1:19 Big picture outlook - focusing on individual control vs macro3:14 Death of the Amex lounge - rise of the upper middle class7:21 The wealth ladder framework - six levels explained10:06 Spending framework - the 0.01% rule13:03 Income vs wealth-based spending decisions17:11 Nick's personal journey through the wealth levels19:37 Building through content creation and consistency23:22 Stanford experience and class differences26:07 Progressing from level three to four - just keep buying28:41 The book as guide and warning - when is enough enough?30:20 Money and happiness - the logarithmic relationship32:44 Just keep buying framework at all-time highs36:45 Why Nick owns Bitcoin - the 5% allocation40:39 Final thoughts - importance of income across wealth levels

Want to work with us? Reach out! inquiries at milestomemories dot com Episode Description This week Citi was in the news for a few reasons. First, they have upped their transfer ratio to Accor by 2X. This might not last, but it is quite valuable. Citi also is planning to launch their new premium Strata credit card next week. While not all of the details are known, tons of rumors have leaked and we'll dive into what this card can be and how it competes with Chase, Amex and Capital One.   In other news more and more travel providers are using AI tools to crack down on travelers, but sometimes they backfire. We look at a couple of these tools and what you need to know. We also discuss: Amex's new sidecar lounge concept, how premium credit cards probably aren't worth it and why Amex is trying to make their benefits easier to use.   Episode Guide 0:00 Welcome to MTM Travel 2:52 Citi's Accor transfer mistake? 6:27 Citi's new premium credit card is coming very very soon 10:45 The rumored benefits for Citi's new card 16:28 The year of the premium credit card? 18:35 Amex's new Sidecar lounge - The lounge boom 23:42 Amex's earnings dive-in - Less breakage & slow bookings? 30:15 A new easier way to connect on international flights 35:14 AI tools and travel - Smoke detectors, Hertz scanners - Reliable? Smoke detector situation - https://x.com/_zachgriff/status/1945959030851035223?s=46&t=B9kWNUIY21TRZnc8tXrfRQ Hertz scanners - https://www.thedrive.com/news/how-to-stop-hertzs-ai-rental-car-damage-scanners-from-screwing-you DFW connection - https://viewfromthewing.com/american-airlines-makes-history-connecting-passengers-arriving-in-u-s-now-skip-security-and-customs-in-new-trial/ Amex earnings breakdown - https://viewfromthewing.com/amex-ceo-admits-we-made-benefits-hard-to-use-on-purpose-now-reveals-plan-for-even-higher-fees/ Citi Strate Elite rumors - https://milestalk.com/updated-citi-strata-elite-details-launch-date-bonus-annual-au-fee-bonus-categories-benefits/   Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

If you've ever felt torn between soaking up life now and securing your future, you're not alone. In this episode, we explore what it really means to invest in “future you” and how to do it without sacrificing everything you love today. Whether you're a beginner or behind on savings, the best time to start is today. Key Points The Saver vs. Spender Dynamic Compound Interest Explained Retirement is More Than Just Money or a Pension Understanding the Thrift Savings Plan (TSP) Insight from the FIRE Movement Saving Gives You Options Reverse Budgeting Strategy Reducing Financial Stress Communication For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Australia is a bucket list destination for SO many people! In this episode, we're joined by Senitra, a travel journalist who has been to over 50 countries! She recently went on an epic solo adventure to Australia — all on points. She takes us behind the scenes of her trip to Melbourne and Sydney, from lie-flat seats on the world's longest flight, to the perfect things to do, see, and eat in the epic "Down Under."We dig into how she booked it all, where she stayed, and what made this trip so meaningful. Whether Australia's on your bucket list or you're just curious what solo international travel on points really looks like, this episode will leave you inspired to start planning.Submit Your Summer Road Trip Series Story HEREFacebook GroupFind Us On InstagramMary Ellen | Jo | SenitraMentioned in this EpisodeSenitra's writing:Daily Drop articlesThe Points Guy articlesAward Wallet articlesSponsorsFlyKitt- the BEST Jet Lag Solution!Links30% off the CardPointers subscription!Tripiamo Driving TutorialsOur Favorite Travel NecessitiesCredit Card Affiliate LinksThe above link includes referrals for Capital One Travel Cards. If you need AMEX or Chase please reach out and we would be happy to send you our personal referral links.We receive a small commission when you use our links. This is an amazing way to show your support for the show at no cost to you ❤️

Richard Rosso & Matt Doyle host Rich's last live Radio-episode* and reveal the reason for Matt's recent absence from the show. Airport Security parameters; strong start to Earnings Season; references to '80's TV sit-coms; market futures, Lance's charts, the ultimate Death Cross; Richard previews Saturday's (7/19) Candid Coffee, and the genesis of the partnership with Lance Roberts; understanding Money Scripts; Netflix & streaming services; Gen-Z and Social Media. Rich and Matt discuss the possibilities of Mrs. Roberts' bakery/coffee shop; Retail Sales report analysis: People are still spending. The Paradox of Thrift, Fed meetings and a brief history of the Federal Reserve Banking System. Rich reviews American Express' report, debt to income ratios and Money Scripts (Brad Klontz); how childhood location bears on credit scores in later life. * NOTE: The Real Investment Show will be 100% digital starting Monday, August 4. Please be sure you're SUBSCRIBED here to catch each episode! SEG-1: Matt's Back (and leg) & some market commentary SEG-2a: Candid Coffee Preview SEG-2b: Money Scripts & Financial Success SEG-3a: Mrs. Roberts' Coffee Shop & Retail Spending SEG-3b: Retail Sales Summary SEG-4: AmEx reports, Money Scripts, & Managing Money Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Relationship Manager, Matt Doyle, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=XaEHi-fSbuQ&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles mentioned in this report: "The Magnificent Seven Are Mediocre" https://realinvestmentadvice.com/resources/blog/the-magnificent-seven-are-mediocre/ ------- The latest installment of our new feature, Before the Bell, "Prepare Now for Correction," is here: https://youtu.be/VDnRZFc0Hpw ------- Our previous show is here: "The Magnificent 7 Are Mediocre," https://www.youtube.com/watch?v=dFXBBqri1lo&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Register for our next live webinar, "RIA Retirement Blueprint," July 19, 2025: https://streamyard.com/watch/qaMtj3cydgDQ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MoneyScripts #CreditScoreTips #FinancialMindset #CreditHealth #MoneyBehavior #EarningsSeason #RetailSales #Inflation #ParadoxOfThrift #InvestingAdvice #Money #Investing

Richard Rosso & Matt Doyle host Rich's last live Radio-episode* and reveal the reason for Matt's recent absence from the show. Airport Security parameters; strong start to Earnings Season; references to '80's TV sit-coms; market futures, Lance's charts, the ultimate Death Cross; Richard previews Saturday's (7/19) Candid Coffee, and the genesis of the partnership with Lance Roberts; understanding Money Scripts; Netflix & streaming services; Gen-Z and Social Media. Rich and Matt discuss the possibilities of Mrs. Roberts' bakery/coffee shop; Retail Sales report analysis: People are still spending. The Paradox of Thrift, Fed meetings and a brief history of the Federal Reserve Banking System. Rich reviews American Express' report, debt to income ratios and Money Scripts (Brad Klontz); how childhood location bears on credit scores in later life.   * NOTE: The Real Investment Show will be 100% digital starting Monday, August 4. Please be sure you're SUBSCRIBED here to catch each episode!  SEG-1: Matt's Back (and leg) & some market commentary SEG-2a: Candid Coffee Preview SEG-2b: Money Scripts & Financial Success SEG-3a: Mrs. Roberts' Coffee Shop & Retail Spending SEG-3b: Retail Sales Summary SEG-4: AmEx reports, Money Scripts, & Managing Money   Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Relationship Manager, Matt Doyle, CFP  Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=XaEHi-fSbuQ&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles mentioned in this report: "The Magnificent Seven Are Mediocre" https://realinvestmentadvice.com/resources/blog/the-magnificent-seven-are-mediocre/ ------- The latest installment of our new feature, Before the Bell, "Prepare Now for Correction," is here:  https://youtu.be/VDnRZFc0Hpw ------- Our previous show is here: "The Magnificent 7 Are Mediocre," https://www.youtube.com/watch?v=dFXBBqri1lo&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Register for our next live webinar, "RIA Retirement Blueprint," July 19, 2025: https://streamyard.com/watch/qaMtj3cydgDQ ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MoneyScripts #CreditScoreTips #FinancialMindset #CreditHealth #MoneyBehavior #EarningsSeason #RetailSales #Inflation #ParadoxOfThrift  #InvestingAdvice #Money #Investing

In Episode 129 of the Award Travel 101 podcast, Mike and Cameron explore key updates in the points and miles space and take a deep dive into premium travel credit card comparisons. They begin by discussing a community post on whether it's better to use points or pay cash for travel—highlighting that the decision depends on factors like point balances, ease of replenishing, cents-per-point value, and potential devaluations. News updates include Amex offering a 15% transfer bonus to LifeMiles, the Alaska Companion Fare now working on Hawaiian flights, upcoming changes to the Amex Biz Platinum Dell credit, and Bilt preparing to launch new credit cards with Cardless.The main topic centers around comparing high-end cards like the Chase Sapphire Reserve (CSR), Venture X, Amex Platinum (personal and business), AA Executive, and United Club. The hosts break down annual fees, travel credits, lounge access, and additional perks. For example, while the Venture X remains a value play with its $395 fee offset by a $300 travel credit, the Amex Platinum carries a hefty $695 fee but includes a long list of lifestyle credits and lounge access. They also discuss how each card aligns with different spending patterns and travel habits, including elite status benefits, points multipliers, and authorized user costs. The episode includes both hosts reflecting on their recent travels—Mike's trip to Nashville and Cameron's in-depth Peru itinerary—and sharing useful travel tips, like using airline apps and tools like Flighty to manage flight disruptions effectively.Episode Links:Amex to Lifemiles 15% BonusAlaska Companion pass for Hawaii flightsAmex Business Plat Dell creditBilt Upcoming changesChase Sapphire Reserve personalChase Sapphire Reserve businessCapital One Lounge Access ChangesCapital One Venture X personal vs businessCiti AA Executive United Club cardWhere to Find Us The Free 110k+ member Award Travel 101 Community. To book time with our team, check out Award Travel 1-on-1. You can also email us at 101@award.travel Tickets are now ON SALE for our next meetup in Miami September 19-21. Secure your spot today at https://award.travel/miami2025 Our partner CardPointers helps us get the most from our cards. We love being able to automatically add all of our offers and quickly seeing the best card to use for every purchase. Signup today at https://cardpointers.com/at101 for a 30% discount on annual and lifetime subscriptions! Lastly, we appreciate your support of the AT101 Podcast/Community when you signup for your next card! Technical note: Some user experience difficulty streaming the podcast while connected to a VPN. If you have difficulty, disconnect from your VPN.

This week, we're heading west! Inspired by listener Emily we're diving into a family-friendly road trip through South Dakota's most iconic stops — from the Black Hills to the Badlands, with plenty of adventure along the way.You'll hear about glamping at Under Canvas Mount Rushmore (yes, with Hyatt points!), digging for fossils at an active mammoth site, and the surprisingly adorable experience of feeding prairie dogs. We also chat about scenic drives, budget-friendly hotel options, and the kind of hikes that even little legs can handle.If you've ever dreamed of seeing Mount Rushmore up close, or if you're planning a National Parks trip with your family, this episode is packed with inspiration — and the full itinerary (with drive-time stops!) is linked HERESubmit Your Summer Road Trip Series Story HEREFacebook GroupFind Us On InstagramMary Ellen | JoAffiliate LinksMary Ellen's Chase Sapphire LinkJoanna's Chase Sapphire LinkMary Ellen's Freedom Flex LinkJoanna's Freedom Flex LinkMary Ellen's Ink Business Cards LinkJoanna's Ink Business Cards Link30% off the CardPointers subscription!Credit Card Affiliate LinksThe above link includes referrals for Capital One Travel Cards. If you need AMEX or Chase please reach out and we would be happy to send you our personal referral links.We receive a small commission when you use our links. This is an amazing way to show your support for the show at no cost to you ❤️

Carol and Ken didn't just imagine a life beyond the military- they designed one. In just four years, they transformed from brand-new ensigns with zero TSP contributions into self-made millionaires.  In this episode, we'll unpack the financial strategy, discipline, and teamwork that helped them achieve Lean FIRE (financial independence, retire early) before 30—all while navigating dual military careers and deployments. They get real about: Starting from scratch: Misconceptions about TSP, military pay issues, and their humble financial beginnings Mindset over mechanics: Why a simple strategy, applied consistently, beats fancy budgeting tools Sacrifice and simplicity: Living close to base, biking to work, and even having a 60% savings rate Lean FIRE: How they hit $800k in just four years and what came next Building a values-based lifestyle: From toddler chaos to travel goals and making intentional choices Tools & tactics: How they used Excel, anti-budgets, and communication to streamline finances Carol's book: Raising Your Money-Savvy Family for Next Generation Financial Independence co-authored with her dad, Doug Nordman

In this first half of our London two-parter, Joanna went on a whirlwind two-day adventure in the city before heading into the countryside — and she's sharing EVERY DETAIL.She traveled with her mom and daughter, flew Virgin Atlantic using points, and tried a new system to beat jet lag that changed everything. From a rainy New York layover to a luggage-saving trick that helped them hit the ground running, this episode is packed with practical advice and plenty of inspiration for your own trip.Whether you're heading to London soon or just dreaming about it, tune in for the tips — and stay for the real talk about navigating public transit, spending points wisely, and falling head over heels for a city you didn't expect to love this much.Part two is coming soon with Mary Ellen's London itinerary — totally different pace, totally different vibe.Submit Your Summer Road Trip Series Story HEREFacebook GroupFind Us On InstagramMary Ellen | JoAffiliate LinksMary Ellen's Chase Sapphire LinkJoanna's Chase Sapphire LinkMary Ellen's Freedom Flex LinkJoanna's Freedom Flex LinkMary Ellen's Ink Business Cards LinkJoanna's Ink Business Cards Link30% off the CardPointers subscription!Credit Card Affiliate LinksThe above link includes referrals for Capital One Travel Cards. If you need AMEX or Chase please reach out and we would be happy to send you our personal referral links.We receive a small commission when you use our links. This is an amazing way to show your support for the show at no cost to you ❤️

#236: Chris reviews and ranks the full American Express lineup of 30+ cards. He also breaks down Membership Rewards, transfer partners, approval rules, card-linked offers, unique perks, and more. Link to Full Show Notes: https://chrishutchins.com/amex-cards-membership-rewards-points Partner Deals Kick: 50% off your first year of self-driving bookkeeping w/ code CHRIS DeleteMe: 20% off removing your personal info from the web Bilt Rewards: Earn the most valuable points when you pay rent NetSuite: Free KPI checklist to upgrade your business performance For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Best Cards Page Amex Cards Tier List Membership Rewards Cards American Express® Green Card Business Green Rewards Card American Express® Gold Card The American Express® Business Gold Card The Platinum Card® from American Express American Express Platinum Card for Schwab The Platinum Card® from American Express Exclusively for Morgan Stanley The Business Platinum Card® from American Express The Blue Business® Plus Credit Card from American Express Cash Back Cards Blue Cash Everyday® Card from American Express Blue Cash Preferred® Card from American Express American Express Blue Business Cash™ Card The Plum Card from American Express Delta Cards Delta SkyMiles® Blue American Express Card Delta SkyMiles® Gold American Express Card Delta SkyMiles® Gold Business American Express Card Delta SkyMiles® Platinum American Express Card Delta SkyMiles® Platinum Business American Express Card Delta SkyMiles® Reserve American Express Card Delta SkyMiles® Reserve Business American Express Card Hilton Cards Hilton Honors American Express Card Hilton Honors American Express Surpass® Card Hilton Honors American Express Aspire Card The Hilton Honors American Express Business Card Marriott Cards Marriott Bonvoy Bevy® American Express® Card Marriott Bonvoy Brilliant® American Express® Card Marriott Bonvoy Boundless® Credit Card Marriott Bonvoy Business® American Express® Card CardPointers Pro: 30% off here or 50% off for ATH Members Free point.me for American Express Membership Rewards® points Co-Branded Marriott Card Eligibility Rules Tim Ferriss Ep #815: Helping Tim Burn 15M+ Miles and Points, Flipping Costco Gold Into Five-Star Trips & More ATH Podcast Membership: Join here Luxury Hotel Upgrade Program Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (01:57) Quick Episode Overview (04:34) The American Express® Green Card (07:35) Chris' Primary Amex Card for Dining & Groceries (11:37) The American Express® Business Gold Card (15:06) The Amex Platinum Cards (19:29) The Perks & Benefits on the Platinum Cards (25:24) The Platinum Card Variations (29:43) The Business Platinum Card® from American Express (38:10) The Exclusive Centurion Cards (42:10) The Blue Business® Plus Credit Card from American Express (43:50) Amex's Cash Back Cards (49:24) Co-Branded Delta Cards (1:03:15) The Four Co-Branded Hilton Cards (1:11:42) Co-Branded Marriott Cards (1:22:22) Amazon Cards (1:23:44) Leveraging Card-Linked Offers (1:25:52) Notable Benefits of Amex Cards (1:29:53) General Business Card Perks & Benefits (1:30:35) Rental Car Coverage (1:31:51) Credit Limits on Amex Cards (1:32:24) Membership Rewards as Transferable Points (1:35:05) Amex Airline & Hotel Transfer Partners (1:37:37) How to Move Membership Rewards Points (1:38:26) Rules for Opening Amex Cards (1:41:39) Quick Summary: Reasons to Love or Dislike Amex (1:45:31) The Best Amex Two-Card Combo Learn more about your ad choices. Visit megaphone.fm/adchoices

This Ask Us Anything, Live first aired on July 2nd, 2025 (00:51) - From Ryan - Nick you probably know Turkish airline rewards redemptions better than anyone else in the world. Would you recommend to your loyal readers (like me!) to do the Turkish 1MM Challenge? (04:17) - If you find yourself points and miles bankrupt, at 5/24, and in Amex pop-up jail what can one do to get enough points to take a nice trip? (06:08) - What's the FM team's thoughts on buying groups to hit massive spending limits for sign up bonuses? (09:05) - ​I have the Capital One Venture X Rewards Credit Card and Capital One Spark Miles Select Business Credit Card. I'm canceling my Venture X. Do I have to move points to the Spark Miles Select before canceling to retain the points? (09:57) - OK, still confused about the Chase Sapphire Reserve if I got the Chase Sapphire Preferred with 100K 2 months ago do I still qualify for the "new" bonus if I haven't hit the bonus yet? (13:22) - Are you surprised that the multipliers on the refreshed Chase Sapphire Reserve card didn't change more substantially? Particularly the dining staying the same compared to 4x on American Express® Gold Card and 5x on Citi Prestige. (14:42) - For the JetBlue 25 for 25, you can't do multi city points bookings on one PNR. Will sequential one ways be protected if you follow the multi-city ticket between one-ways? (17:54) -​​With all the funny business that Hertz is starting to pull on phantom damage being charged by AI, are you/would you still rent from them? (23:25) - Have we heard any updates or ETA on the new Alaska Premium card? (24:12) - ​Is booking Mr & Mrs Smith via Hyatt more expensive than booking direct? A property hinted they prefer guests to book direct than 3rd parties, including Hyatt. Suggesting that Hyatt is a 3rd party. (26:17) - Would love to know from the team, what's the best first class product you each have ever flown? (33:06) - With the changes to Southwest, how does using a flight credit to pay the taxes and fees on a points booking affect its flexibility? (34:52) - With half of the year gone by, what's on track so far to win the bonvoyed award of the year? (38:24) - You all say Chase Ultimate rewards points are great for Hyatts. What are each of your top 3 Hyatt Properties in Asia and Europe (42:13) - Booked a flight from Lisbon to Atlanta on Delta. KLM was the carrier even though it was ticketed on Delta. I can't get them to give me my SkyMiles. Any ideal how to get these posted? (44:43) - ​​Has Nick set up a professional mic on arm inside a car?? (46:20) - Does The Edit by Chase Travel℠ and Amex FHR make hotel elite status obsolete?Visit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “swappin' back n' forth” by up @ night

Want to work with us? Reach out! inquiries at milestomemories dot com Episode Description This week JetBlue released a very interesting promotion for their 25th birthday. In addition to earning up to 350K bonus miles, you can earn 25 years of Mosaic status as well. How many hoops do you have to jump through and does this make economic sense. More importantly do you have the time to invest into this lucrative deal?   In other news Chase launched their Sapphire Business card last week along with a ton of new rules. How are the rules being enforced and which customers has a "bank error" in their favor? We also discuss: how Shawn accidentally beat jetlag, Hyatt Regency at JFK, the Savannah Bananas and how some people missed out on Amex transfers to Hawaiian.   Episode Guide 0:00 Welcome to MTM Travel & 4th of July 5:24 More bad Chase rules 8:48 Shawn's Korean Air conundrum 13:01 How partner devaluations lower overall values of bank points 16:07 Why Accor is even better than we expected - Citi transfer bonus? 23:44 Grand Hyatt Playa Del Carmen review 31:13 Visiting Playa Del Carmen, ruins, what to see & better than Cancun? 34:15 Why all-inclusives have become more popular than ever 36:20 Andaz Mayakoba and other takeaways   Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

this week on Delusional Diaries, Halley and Jaz are recording from the Hamptons (!!) and taking you inside their whirlwind of adulting chaos, dream purchases, and so much more. from Jaz buying her literal dream car (a vintage yellow beetle, those who know, know) to co-owning a BOAT with Halley (yep, you read that right), the girls are leaning all the way into their main character lives. they talk about dream dates, anxiety meds, getting boat licenses, and how they're basically chosen family now.on top of that, a very special Tulum recap, the most unhinged hangover stories, and why Halley fought Amex customer service with the wrath of a thousand suns. and if you've ever wondered whether these two could survive in a war? that gets answered too (kinda). this is one of those episodes you won't wanna miss… Timestamps0:17 - Everything Hamptons 14:11 - Flight anxiety and future travels25:42 - Tulum and WaterBoy29:00 - Banning phones at concerts?30:48 - Ideal date 34:18 - Our travel dynamic 37:19 - Worst hangover stories49:20 - Reasons we couldn't be drafted into war 52:36 - Would you rather… LinksQuince: Go to quince.com/delusional for free shipping and 365 returnsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This episode is all about your questions—and real answers. I'm back with another listener Q&A, tackling the exact points and miles decisions you're working through right now. Ever feel like you're making credit card decisions in a vacuum? From wondering if it's time to add Capital One or Mesa to your rewards card portfolio, to recovering from redemption regret, I'm walking through the strategy behind each question so you can move forward with more clarity and confidence. We'll cover how to think about applying for “no lifetime language” Amex offers, why you might want to move credit lines between Chase cards, and what to do when your points plan feels a little off-track. This episode is packed with honest takes, strategic insight, and practical tips grounded in real-life scenarios.   Get full show notes and transcript: https://pointmetofirstclass.com/listener-qa-credit-card-points-strategy-2025/ Want to shape the show? Take the Point Me To First Class listener survey and share what you love and want more of! https://docs.google.com/forms/d/e/1FAIpQLSeAPfb3wIaphMn_NoQzm_fljydsivTELQwh7pYoxrI2uTFoKQ/viewform?usp=header  Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy

Legal Team, this week we're breaking down Real Housewives of Atlanta star Brittany Eady's lawsuit against Bravo. From her past in the insurance world to her time as a video vixen and reality star, Brittany's background is as layered as her legal claims. We get into the details of the lawsuit, why the filing location in New York raises eyebrows, and how this case draws striking parallels to Leah McSweeney's. Plus, a look at Brittany's off-screen controversies, including unpaid vendors, credit card lawsuits, and more.    What's on the docket?   Brittany Eady's background, from insurance entrepreneur to reality TV and video vixen  The fallout from her infamous country club party, including unpaid vendors  Her husband Mike's legal trouble with AMEX and what a garnishment order actually means  A full breakdown of Brittany's lawsuit against Bravo and the claims she's making  The legal difference between false light and defamation  Why this case isn't heading straight to arbitration like others we've seen    Access additional content and our Patreon here: ⁠⁠⁠⁠⁠⁠⁠⁠https://zez.am/thebravodocket⁠⁠⁠⁠⁠⁠⁠⁠⁠                  The Bravo Docket podcast, the statements we make whether in our own media or elsewhere, and any content we post are for entertainment purposes only and do not provide legal advice. Any party consuming our information should consult a lawyer for legal advice. The podcast, our opinions, and our posts, are our own and are not associated with our employers, Bravo TV, or any other television network. Cesie is admitted to the State Bars of California and New York. Angela is admitted to the State Bars of Texas, Kansas, and Missouri.                Thank you to our incredible sponsors!        Quince: Visit ⁠⁠⁠Quince.com/docket⁠⁠⁠ for free shipping on your order and 365 day returns.    Rula: Connect with quality therapists and mental health experts who specialize in you at ⁠⁠⁠https://www.rula.com/bravodocket⁠⁠⁠      Wayfair: Head to ⁠⁠⁠Wayfair.com⁠⁠⁠ right now to shop a huge outdoor selection.    Dupe: Stop wasting money on brand names and start saving with ⁠⁠⁠Dupe.com⁠⁠⁠ today.    Indacloud: If you're 21 or older, get 25% OFF your first order + free shipping with code BRAVODOCKET at ⁠⁠inda.shop/BRAVODOCKET⁠⁠   Learn more about your ad choices. Visit megaphone.fm/adchoices

⏱️ Timestamps9:50 – U.S. vs Iran: Latest Updates & Impact19:00 – Big Tech: The New Giants of War?25:04 – Best Stocks in the “War Index”37:30 – Credit Card Company Performance (Visa, AmEx, Mastercard, etc.)41:57 – S&P Near Highs, But Sentiment at Lows: Is the Market Ignoring the Consumer?48:50 – One Economic Indicator Retail Investors Should Track Weekly52:46 – Case Study: Michael Rubin's Fanatics Fest59:10 – Elon's Robotaxis: Is Tesla Back?1:08:00 – Oil Spike: Short-Term Shock or Start of a Supercycle?1:13:30 – Apple's AI Paper: Is Apple Underhyped Compared to LRM Rivals?1:24:33 - The Vendor That Tripled Profits at Invest Fest In this episode, we dive into the escalating tensions between the U.S. and Iran and explore how it could impact global markets. We also examine whether Big Tech is quietly becoming the new face of modern warfare and identify the top-performing stocks in what we're calling the “War Index.” With oil prices spiking and geopolitical risks rising, we ask the critical question: is this just a short-term shock or the beginning of a multi-year supercycle?We shift to the consumer economy, analyzing the 2024 performance of credit card giants like Visa, American Express, and Mastercard. With the S&P flirting with all-time highs while consumer sentiment hits record lows, we break down whether the market is ignoring key warning signs — or betting on a comeback. You'll also hear which economic indicator retail investors often overlook, but should track weekly to better time trades.We wrap up with a case study on Michael Rubin's Fanatics Fest, a look at Tesla's robotaxi push, and a deep dive into Apple's newest AI paper. Plus, two special guests join us to talk about their experiences at Invest Fest — one as a vendor and the other as the winner of last year's pitch competition.Invest Fest Ticket Link: https://investfest.com#InvestFest #StockMarket #Tesla #Apple #Visa #BigTech #Iran #OilPrices #AI #ElonMusk #FanaticsFest #RetailInvesting #S&P500 #MarketMondays #EarnYourLeisureSupport this podcast at — https://redcircle.com/marketmondays/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Our Legal Bestie Attorney Symone Redwine takes us inside the Diddy courtroom (it's like watching a Black movie at a Black theatre opening weekend), helps us understand Jane's scarcity-survival mode and why it's ok (legally) that Diddy is paying for her lawyer, and explains why the Defense is scheduled to rest after just two days.  Ooh, oh, also(!): the high stakes (production nightmare) of that Tyler Perry lawsuit and how Cassie's lawsuit against Diddy set the stage for it.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

The day began with the judge interrogating both legal teams over the source of a leak. It ended with a closed-door discussion about a newly discovered juror issue. In between, the prosecution showed receipts, including some that showed Bad Boy Productions on the hook for an AMEX that paid for "hotel nights." The defense showed more text messages, including some where Cassie Ventura seemed receptive to Combs's requests for the sexual encounters they called Freak Offs.If you want to read NBC's coverage of the trial, check out our newsletter, “Diddy On Trial”: NBCNews.com/Diddy