The Daily Churn
thedailychurn
Anyone can churn anything. Each week, learn how to churn something new and novel, from credit card & bank bonuses to flights, hotels, cellphones, mealkits, even FIRE.Decades of churning experience packed into short, easy-to-follow episodes you can use right now to earn more miles, more points, and live a more financially independent life.
Episodes
Mentioned books

Nov 21, 2025 • 36min
🔴 Ep 90 - First Livestream, Scaling Bank Bonuses with Margin, 700K Venture X Business, Costco Black Friday Sales, KaiGPT
I'm trying new things this year, so I thought "why not livestream this episode"? So I did. The end 😂View Full Show NotesJoin The Free Weekly NewsletterApply For Our Private Discord------------------Enjoy this episode?Most people find the show through word of mouth. Please forward to a friend if you think they would enjoy it 🙏⭐️ Or if you have a bit of time, please consider leaving a rating or review on Apple or Spotify. The algorithm gods (and me) thank you for your sacrifice 🙇♂️

27 snips
Nov 14, 2025 • 41min
🗞️ Ep 89 - The Paper Round: Origins of Complex PTSD & ADHD
The host reflects on childhood experiences delivering newspapers that shaped lifelong habits. They connect early morning anxiety to trauma, revealing insights from a recent ketamine therapy intake. Exploring complex PTSD, they discuss emotional neglect and how it influenced their ADHD traits and coping strategies. The conversation weaves through themes of work as an escape, social overwhelm from moving countries, and the importance of therapy in the healing journey. It's a raw and insightful look at how past stressors impact present life.

78 snips
Nov 7, 2025 • 52min
🦾 Ep 88 - Costco Gold, Debit Rewards, Burner Lines, Vanguard vs ChatGPT, RH Margin vs HELOCs, Dyson V9 Deal
This engaging discussion dives into navigating complex credit scores and the rise of premium card rewards. The host shares insights on using Costco gold for spending strategies and explores the mechanics of HELOCs versus margin loans. They also discuss innovative tools like ChatGPT for financial planning and the practicality of free burner phones. A standout moment includes a savvy Dyson V9 deal that makes clever use of credits. Get ready for a mix of finance tips and fun community engagement!

63 snips
Oct 31, 2025 • 57min
🍂 Ep 87 - Reflections on Podcasting, Ketamine Therapy, Vipassana, Men's Retreats, Alzheimer's
The host dives deep into reflections on personal growth, discussing the benefits of unedited episodes and letting go of people-pleasing. He shares insights on ketamine therapy and its therapeutic effects, as well as the emotional breakthroughs experienced during a men's retreat. Plans for a silent Vipassana retreat are on the horizon, aiming to tackle ADHD-related challenges. The conversation also touches on the realities of caring for a parent with early-onset Alzheimer's, honoring connections, and the resonance of literary recommendations.

63 snips
Oct 24, 2025 • 1h 9min
🫨 Ep 86 - Churning News, Easy C1S Money Makers, Chase Points Boost, SW Companion Pass, My HELOC Update, FICO 8 vs Vantage 3.0/4.0 Deepdive
Dive into the latest churning news and credit card updates with intriguing insights on Citi's fee waivers and the Southwest Companion Pass. Discover the impacts of Chase's points boost system on redemptions, along with tips on consolidating Ultimate Rewards. Get the scoop on HELOCs and how they can enhance your churning liquidity. Kai also breaks down credit score models like FICO 8 versus Vantage scores, revealing essential info for smart lending decisions. Plus, learn about savvy discounts through Capital One Shopping and more exciting deals!

29 snips
Oct 17, 2025 • 38min
🪄 Ep 85 - Any Chance You Could: Four Magic Words That Changed My Life
Explore the art of asking and discover how four simple words can transform your daily interactions. Learn why most people struggle with requests and how watching a confident friend can shift your mindset. Delve into effective approaches and attitudes, and find the perfect balance when making requests. Anecdotes from unexpected free meals reveal the power of humor and empathy. Master the tactics for upgrading your travel experiences and practice in low-stake situations to build your confidence. Never underestimate the magic of a simple ask!

46 snips
Oct 10, 2025 • 50min
🐷 Ep 84 - Interview: Multiplayer Mode with Chris Hutchins
In this engaging discussion, Chris Hutchins, creator of All The Hacks and a miles & points expert, shares insights on maximizing travel rewards. He explains how adding a partner can more than double your points earnings. Learn about splitting loyalty programs and the importance of credit limits. Chris reveals strategies for managing passwords and calls, as well as motivating others to get involved. He also touches on the benefits of community tools for referrals and how points can even evolve into a business venture!

60 snips
Oct 3, 2025 • 1h 2min
🧈 Ep 83 - Opening Amex & Chase Cards, Citi 4506-C lock, Eating Inkind & Resy, HELOCs vs PLOCs, Costco Gold
The host shares insights on efficiently using Amex Platinum credits for benefits like Lululemon and Resy. Strategies for maximizing restaurant credits are highlighted, with a focus on referring friends for bonuses. Challenges with Chase applications and the upcoming referral policy changes spark discussion. There's a detailed look at HELOCs versus other home equity options, emphasizing lender research. The conversation touches on gold investments, addressing both buying strategies and market risks. Tune in for tips that could enhance your financial game!

44 snips
Sep 26, 2025 • 1h 5min
⛰️ Ep 82 - Three Days in Denver: Inaugural TDC Meetup Recap (With Pics!)
An exhilarating weekend unfolds as the host shares highlights from their first in-person meetup in Denver. They discuss clever venue planning and engaging activities, including randomized dinners and unique name tags that matched online identities. Attendees enjoy trivia, speed-churning, and meaningful conversations at local venues. The relaxed Sunday vibe features hikes and deeper connections, while custom swag and memorable encounters enhance the experience. Overall, the event fosters a strong sense of community and connection among listeners.

55 snips
Sep 19, 2025 • 40min
👽 Ep 81 - Amex Plat refresh, New Meta glasses, Seats.aero discount, Practicing any chance you could, Launching probe groups, GPT5 Pro, and more
In this engaging discussion, they explore the refreshed Amex Platinum card and its fee implications. Exciting updates on Meta's new Ray-Ban glasses with innovative features capture attention. Insights into car-buying strategies amidst Fed rate discussions provide practical tips. The effective use of 'any chance you could' to secure perks for a meetup is both entertaining and resourceful. Additionally, they delve into matchmaking in private probe groups, blending technology with human touch for better connections.


