The Daily Churn

40 Episodes
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By: 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.

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📔 Ep 95 - My Favorite AI Journaling App: The Story of Life Note with Daniel Chen
📔 Ep 95 - My Favorite AI Journaling App: The Story of Life Note with Daniel Chen episode artwork
Today at 1:12 AM

I got to chat with Daniel about his mind-blowing app, Life Note, that has completely changed how I journal (read: I actually journal multiple times a week now!) 🥳

In this episode, we cover:

The Story of Life Note: How and why Daniel built the app, plus the art of AI prompting, modeling, and layering.The Heart, Mind & Meditation: Daniel's experience living abroad and attending 10-day Vipassana meditation retreats.The Future of Mental Health: The current state of AI-guided journalling, therapy and mental health.

Whether you're an AI nerd, a journaling enthusiast (or trying to be!), or...


🌱 Ep 94 - How to Find a Therapist: Insurance Hacks & Choosing the Right Modality
🌱 Ep 94 - How to Find a Therapist: Insurance Hacks & Choosing the Right Modality episode artwork
05/29/2026

Deep dive into the world of therapy: why finding the right therapist is like dating and why Headway is the tinder of therapy. We'll break down the logistics of mental health care, including hacks for navigating insurance and a cheat sheet on different therapeutic modalities (relational vs somatic, CBT, IFS, EMDR, EFT, KAP, and more).

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🌻 Ep 93 - 2026 Reset: Sabbaticals, Retreats, Care Teams, Crypto Casino Scams, AI & The State of the Churn
🌻 Ep 93 - 2026 Reset: Sabbaticals, Retreats, Care Teams, Crypto Casino Scams, AI & The State of the Churn episode artwork
05/15/2026

We're baaaack! It's been a wild year, lots of updates to share both in churning land and in my personal life. Oh and I just got scammed this morning, can't believe I fell for it but hopefully this will save you from making a similar mistake. Get comfy, grab a drink, let's catch up 🍵

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🍃 Ep 92 - Owen Marcus: Men's Retreats, MELD, Somatic Awareness, Trauma, Creativity, Growth & Action
🍃 Ep 92 - Owen Marcus: Men's Retreats, MELD, Somatic Awareness, Trauma, Creativity, Growth & Action episode artwork
12/19/2025

What is a men's retreat? What happens there? Why go to one, and who is it for? I spoke with Owen Marcus, founder of MELD, on my life-changing experience attending my first retreat almost exactly 1 year ago.

Owen is a legend in this space - he has worked alongside Peter Levine. Esther Perel has attended his retreats. Owen has been working, training, and organizing men's groups and retreats for over 30 years.

Highly recommend listening to this if you've been even remotely curious about the topic – this might be my favorite episode of the year.

V...


✈️ Ep 91 - The Story of Seats.aero with Ian Carroll
✈️ Ep 91 - The Story of Seats.aero with Ian Carroll episode artwork
12/12/2025

I chatted with Ian, founder of Seats.aero, on how he grew Seats.aero from a side hobby to an award travel powerhouse with 500K monthly active users and 100K+ paid members in just 3 short years.

What was that journey like, and how does it feel to run a multi-million dollar business in your 20s ? Does he still have time to churn? Tune in for answers to these very important questions 😂

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🔴 Ep 90 - First Livestream, Scaling Bank Bonuses with Margin, 700K Venture X Business, Costco Black Friday Sales, KaiGPT
🔴 Ep 90 - First Livestream, Scaling Bank Bonuses with Margin, 700K Venture X Business, Costco Black Friday Sales, KaiGPT episode artwork
11/21/2025

I'm trying new things this year, so I thought "why not livestream this episode"? So I did. The end 😂

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🗞️ Ep 89 - The Paper Round: Origins of Complex PTSD & ADHD
🗞️ Ep 89 - The Paper Round: Origins of Complex PTSD & ADHD episode artwork
11/14/2025

I churned a whole bunch of stuff this week and burnt myself out lol (more on that next time), so I'm taking a breather to reflect and explore some root causes for how I feel and live my life today – the seemingly small stressors in my early years that have led to bigger issues like ADHD and CPTSD 🍃

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🦾 Ep 88 - Costco Gold, Debit Rewards, Burner Lines, Vanguard vs ChatGPT, RH Margin vs HELOCs, Dyson V9 Deal
🦾 Ep 88 - Costco Gold, Debit Rewards, Burner Lines, Vanguard vs ChatGPT, RH Margin vs HELOCs, Dyson V9 Deal episode artwork
11/07/2025

Catching up on a busy couple weeks of churns. From shutdowns to gold to margin and early black friday deals, this episode has a bit of everything.

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🍂 Ep 87 - Reflections on Podcasting, Ketamine Therapy, Vipassana, Men's Retreats, Alzheimer's
🍂 Ep 87 - Reflections on Podcasting, Ketamine Therapy, Vipassana, Men's Retreats, Alzheimer's episode artwork
10/31/2025

The leaves are changing and I'm feeling reflective: how did the past year go? What did I learn about myself, the podcast, ketamine, retreats, life (and death)? Maybe grab a nice warm drink and a cozy blanket and take an hour to relax and hang out with me.

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🫨 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
🫨 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 episode artwork
10/24/2025

Another jam-packed episode recapping all my churns from the last couple weeks. Between catching a cold and family visiting from the East coast, it's been pretty hectic here but also kinda relaxing laying in bed binging Netflix lol. Glad to finally be (mostly) better though 😌

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🪄 Ep 85 - Any Chance You Could: Four Magic Words That Changed My Life
🪄 Ep 85 - Any Chance You Could: Four Magic Words That Changed My Life episode artwork
10/17/2025

I've caught a cold, so today I'm resharing my absolute FAVORITE episode from the past 4 years. I recorded this back in 2023, and it's still as relevant today (if not more so) as it was then. This is the episode I always recommend to friends, because it's had such a profound impact on my travel, my churns, my life, and I hope it does for yours too. Enjoy!

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🐷 Ep 84 - Interview: Multiplayer Mode with Chris Hutchins
🐷 Ep 84 - Interview: Multiplayer Mode with Chris Hutchins episode artwork
10/10/2025

Chris and I met up during the inaugural TDC meetup in Denver a few weeks ago, and we recorded a live interview with a small "studio" audience in the Regency Club lounge (pics in shownotes!)

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🧈 Ep 83 - Opening Amex & Chase Cards, Citi 4506-C lock, Eating Inkind & Resy, HELOCs vs PLOCs, Costco Gold
🧈 Ep 83 - Opening Amex & Chase Cards, Citi 4506-C lock, Eating Inkind & Resy, HELOCs vs PLOCs, Costco Gold episode artwork
10/03/2025

After a few hectic weeks, I'm finally back home and catching up on all my churns - opening new Amex and Chase cards, tackling my Citi account lock, eating InKind and Resy credits, applying for HELOCs, dabbling in Costco gold, and much more!

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This episode is brought to you by seats.aero ✈️

Use code TDC for 20% of annual Pro memberships

(hint: stack with Capital 1 Shopping for an extra 20% cashback 😉)

...


⛰️ Ep 82 - Three Days in Denver: Inaugural TDC Meetup Recap (With Pics!)
⛰️ Ep 82 - Three Days in Denver: Inaugural TDC Meetup Recap (With Pics!) episode artwork
09/26/2025

What an insane weekend. My voice is finally back after spending 3 days with 120 churners lol, so I'm hijacking this episode for a deep dive into our very first in-person meetup. What was it like, how was the vibe, what did we do there, how was it planned, should I go next year, and much more!

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This episode is brought to you by seats.aero ✈️

Use code TDC for 20% of annual Pro memberships


👽 Ep 81 - Amex Plat refresh, New Meta glasses, Seats.aero discount, Practicing any chance you could, Launching probe groups, GPT5 Pro, and more
👽 Ep 81 - Amex Plat refresh, New Meta glasses, Seats.aero discount, Practicing any chance you could, Launching probe groups, GPT5 Pro, and more episode artwork
09/19/2025

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This episode is brought to you by seats.aero ✈️

Use code TDC for 20% of annual Pro memberships

(and receive access to private channels on their discord 😉)

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🐔 Ep 80 - Citi Strata, iPhone 17, Seats.aero, Dinner with Logan, Pound of Chicken, Telepathy tapes, Four thousand weeks, Ketamine therapy
🐔 Ep 80 - Citi Strata, iPhone 17, Seats.aero, Dinner with Logan, Pound of Chicken, Telepathy tapes, Four thousand weeks, Ketamine therapy episode artwork
09/12/2025

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This episode is brought to you by seats.aero 🍺☺️

Join their Pro membership for access to private channels on their discord 😉

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🎭 Ep 79 - Weekly Recap: Monarch, P3 + Carvana, Solo401K Loans, MMM HQ, Why do improv, Being busy
🎭 Ep 79 - Weekly Recap: Monarch, P3 + Carvana, Solo401K Loans, MMM HQ, Why do improv, Being busy episode artwork
09/05/2025

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🌝 Ep 78 - Weekly Recap: What I'm churning, reading & watching, plus a Miraval trip report
🌝 Ep 78 - Weekly Recap: What I'm churning, reading & watching, plus a Miraval trip report episode artwork
08/29/2025

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🍃 Ep 77 - Weekly Recap: Vanguard advisors, Luma tickets, Miraval man-date, what I'm reading, and more
🍃 Ep 77 - Weekly Recap: Vanguard advisors, Luma tickets, Miraval man-date, what I'm reading, and more episode artwork
08/14/2025

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Most people find the show through word of mouth. Please forward to a friend if you think they would enjoy it 🙏

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Ep 76 - Weekly Recap: August 8, 2025
Ep 76 - Weekly Recap: August 8, 2025 episode artwork
08/08/2025

This week - more free InKind money, Capital 1 Shopping referrals, credit card bonuses including Chase, AmaZing, Ramp, new Amex NLL offers, retirement planning tips, Vanguard vs Boldin, solo 401K loans, new logo contest winners and much more!


▶️ Prior weekly recaps

August 1July 25July 18July 112025 update (from May)


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Ep 75 - 2024 Wrapped: $45,037 + 4.8 Million Points
Ep 75 - 2024 Wrapped: $45,037 + 4.8 Million Points episode artwork
01/17/2025

Massive episode covering ALL the things: December churns, full 2024 recap, results from the 2024 TDC Census, state of the podcast, Discord wrapped, 2025 goals, and so much more!

If there's one episode to listen to, it's Japanese jail lol. But this one is a close second. Brace yourselves, it's a big one... 😤

(02:36) - Banks(11:31) - Credit Cards(18:39) - Gift Cards(22:27) - Discounts & Freebies(25:32) - December Tally(27:11) - 2024 Tally(45:08) - Census Results(57:43) - Podcast Wrapped(67:41) - Discord Wrapped 


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Ep 74 - November Recap: $3,112 + 80K Points
Ep 74 - November Recap: $3,112 + 80K Points episode artwork
12/06/2024

Schwab shenanigans, Gift of College x Kudos plays, Pepper changes, US Bank & BofA bonuses, Hyatt spend unicorns, P4 growing pains, Black Friday madness, 2024 churning surveys, and much more!

(03:20) - Brokerages(05:35) - Credit Cards(15:42) - Banks(28:00) - Gift Cards(43:55) - Discounts & Freebies(54:47) - Final Tally


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Ep 73 - Four Days in Japanese Jail: Part 4 (Finale)
Ep 73 - Four Days in Japanese Jail: Part 4 (Finale) episode artwork
11/21/2024

Finale of the Japanese Jail saga.

In January of 2020, I was arrested in Tokyo and spent four days in Japanese jail. This is the story of what happened, told in words and photos.

For photos, view the full shownotes online at thedailychurnpodcast.com

(00:47) - Recap of Prior Episode(02:25) - The Night Before the Judge(05:44) - Breakfasts and Baths(13:08) - Meeting the Judge(18:24) - The Redditor(21:16) - Goodbyes & Good Lucks(27:02) - The Lady in the Elevator(29:53) - The Prosecutor & The Assistant(37:41) - The Paper Round(42:26) - After Jail


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Japanese...


Ep 72 - Sept + Oct Recap: $4,030 + 540K Points
Ep 72 - Sept + Oct Recap: $4,030 + 540K Points episode artwork
11/05/2024

Burning 2 million miles in a month, Amex Platinum hacks, Alaska transfers, SAS EuroBonus challenge 😬, $500 Mercury bonus, Fidelity 21 day holds, Save referral scams, Chase Ink bonuses, PetSmart quadruple stacks, and much more!

(01:47) - Trip Report(22:42) - Travel News(32:47) - Amex Hacks(39:43) - Banks(45:55) - Brokerages(50:15) - Credit Cards(53:08) - Discounts & Freebies(58:57) - Final Tally


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Ep 71 - Four Days in Japanese Jail: Part 3
Ep 71 - Four Days in Japanese Jail: Part 3 episode artwork
09/17/2024

Part 3 of the Japanese Jail saga.

In January of 2020, I was arrested in Tokyo and spent four days in Japanese jail. This is the story of what happened, told in words and photos.

For photos, view the full shownotes online at thedailychurnpodcast.com

(00:55) - Recap of Previous Episodes(02:18) - Meeting Megumi(12:53) - Life in Japanese Jail(22:38) - A Day with the Prosecutor(31:00) - Shinigawa Nanaban(40:14) - Ups and Downs


Japanese Jail series -

Part 1

Part 2

Part 4

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Ep 70 - August Recap: $2,269 + 127K Points
Ep 70 - August Recap: $2,269 + 127K Points episode artwork
09/06/2024

Current state of Pepper, Chase + US Bank + BofA app-o-ramas, P3 onboarding hiccups, evergreen Hello Fresh codes, MoviePass hacks, Petsmart triple stacks, Kudos boosts, free Chipotle & Chick-fil-A, and much more!

(03:25) - Credit Cards(18:54) - Banks(22:04) - Gift Cards(33:00) - Discounts & Freebies(44:28) - Meal Kits(49:07) - Final Tally


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Ep 69 - The Story of Aligned Incentives with Logan
Ep 69 - The Story of Aligned Incentives with Logan episode artwork
08/16/2024

I spoke with Logan from Aligned Incentives on how he went from a casual churner to co-founder of a multi-million dollar gift card reselling business. What's that like, and how does it happen? Can anyone do it?

We cover everything, from the origins of his company to how he found his co-founders, to the value of local meetup groups and seminars, his thoughts on financial independence, life and purpose, and advice for churners aspiring to turn this hobby into a scalable business.

🙏 Massive shoutout to Logan for so openly sharing his story. Check out Aligned Inc...


Ep 68 - July Recap: $3,630 + 100K Points
Ep 68 - July Recap: $3,630 + 100K Points episode artwork
08/09/2024

Results of last month's mealkit probe, new churning tools & apps, Pepper changes, hoarding vs cashing points, ideas for sitting cash, debit rewards & local credit unions 👽👉, Bank of America deep-dive, free Chick-fil-A, and much more!

(08:22) - Credit Cards(21:21) - Brokerages(28:05) - Banks(39:42) - Discounts & Freebies(47:15) - Meal Kits(51:25) - Final Tally


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Ep 67 - Four Days in Japanese Jail: Part 2
Ep 67 - Four Days in Japanese Jail: Part 2 episode artwork
07/23/2024

Part 2 of the Japanese Jail saga.

In January of 2020, I was arrested in Tokyo and spent four days in Japanese jail. This is the story of what happened, told in words and photos.

For photos, view the full shownotes online at thedailychurnpodcast.com

(02:51) - The Police(10:00) - The Contract(14:15) - The Jail(18:11) - Meeting Yonban(26:37) - Breaking the Ice(33:03) - Stuck in The System(37:21) - Charades(47:21) - Jail at Night(52:40) - Message in a Bottle


Japanese Jail series -

Part 1

Part 3

Part 4

...


Ep 66 - June Recap: $2,290 + 570K Points
Ep 66 - June Recap: $2,290 + 570K Points episode artwork
07/05/2024

$750 Triple Cash, 120K Southwest & Ink bonuses, easier Amex incognito offers, Fidelity SPAXX hub accounts, Costco vs Vuori, Prime Day, Pepper & Kudos, Starbucks scams & wins, Marley Spoon 🪦, HelloFresh and much more!

(02:29) - Credit Cards(22:30) - Banks & Brokerages(29:40) - Discounts & Freebies(41:59) - Meal Kits(45:34) - Final Tally


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Ep 65 - Four Days in Japanese Jail: Part 1
Ep 65 - Four Days in Japanese Jail: Part 1 episode artwork
06/21/2024

In January of 2020, I was arrested in Tokyo and spent four days in Japanese jail. This is the story of what happened, told in words and photos.

For photos, view the full shownotes online at thedailychurnpodcast.com

(02:12) - The Snowboarding Trip(05:45) - The Accident(10:36) - The Father(18:13) - The Arrest(30:02) - The Interrogation(33:12) - The Lawyer


Japanese Jail series -

Part 2

Part 3

Part 4

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Ep 64 - May Recap: $668 + 530K Points
Ep 64 - May Recap: $668 + 530K Points episode artwork
06/07/2024

Moviepass hacks, Resy Plat 15x offers, Kudos & Pepper coins, Robinhood $2K free margin, increased Upgrade and BofA bonuses, US Bank app-o-ramas, Paxlovid bots, free burgers & Starbucks, chicken pot pies and much more!

(06:34) - Credit Cards(30:34) - Banks(32:58) - Brokerages(36:35) - Meal Kits(38:01) - Discounts & Freebies(58:21) - Final Tally


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Ep 63 - April Recap: $9,559 + 5K Points
Ep 63 - April Recap: $9,559 + 5K Points episode artwork
05/07/2024

US Bank quadfecta app-o-ramas, Amex 10x & Chase 7x dining bonuses, Robinhood 1% brokerage matches, free cellphone plans & $20 phones, Target Circle Card churns, Pepper YOLOs & Ibotta IPOs, new Wells Fargo & cashbackmonitor discoveries and much more!

(01:39) - Podcasts(06:49) - Credit Cards(16:23) - Brokerages(18:34) - Banks(20:38) - Meal Kits(23:45) - Cell Phones(28:05) - Discounts & Freebies(41:42) - Final Tally


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Ep 62 - The Big Churn: Glidepath Investment Strategy
Ep 62 - The Big Churn: Glidepath Investment Strategy episode artwork
04/24/2024

Final installment of the Big Churn series, exploring how to better optimize your retirement portfolio for maximum growth & longterm sustainability, and why Target Date Funds can delay your retirement and leave you retiring with less.

(09:42) - Basic Concept(15:51) - Post Retirement Glidepaths(31:32) - Pre Retirement Glidepaths(48:23) - How To Implement(58:50) - Caveats & Thoughts


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Ep 61 - March Recap: $14,445 + 390K Points
Ep 61 - March Recap: $14,445 + 390K Points episode artwork
04/05/2024

Tips for pulling up Amex 250K Business Plat, Robinhood IRA transfers & WeBull comparison calcs, min spend ideas & 10x dining, new award travel tools, Pepper app deep dive, Marley Spoon mealkits, free burgers and much more!

(02:16) - Travel News(09:23) - Brokerages(19:58) - Credit Cards(37:24) - Banks(39:00) - Meal Kits(41:45) - Discounts & Freebies(57:13) - Final Tally


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Ep 60 - Booking Award Flights: Best Tools & Workflow
Ep 60 - Booking Award Flights: Best Tools & Workflow episode artwork
03/22/2024

Do you have friends or family who pay cash for flights? Are you manually searching and comparing award prices? This episode dives deep into my award booking workflow and compares new tools like PointsYeah and Seats.aero and why they have become an essential part of the process.

(07:46) - My workflow(15:47) - Mastering domestic awards(20:39) - Tackling international awards(32:08) - New tools comparison(35:08) - PointsYeah(46:55) - Point.me(50:45) - Seats.aero(53:46) - ExpertFlyer


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Ep 59 - February Recap: $5,628 + 464K Points
Ep 59 - February Recap: $5,628 + 464K Points episode artwork
03/08/2024

Massive Robinhood & WeBull transfer bonuses, new Amex 10x dining referrals, Hyatt Destination stealth devals, Marriott & Hilton FNC strategy, Target $50 coupons, increased Upgrade Savings bonus, Pepper 10% GC discounts, and much more!

(02:38) - Travel News & Updates(17:30) - Banks(21:44) - Credit Cards(41:49) - Brokerages(51:16) - Meal Kits(53:12) - Discounts & Freebies(64:39) - Final Tally


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Ep 58 - How To Book ANA & Japan Airlines First & Business in 2024
Ep 58 - How To Book ANA & Japan Airlines First & Business in 2024 episode artwork
02/20/2024

Deep dive into the current state of ANA award bookings, new alternatives from Japan Airlines, why Cathay Pacific is the best JAL partner, plus tips for booking.

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


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Ep 57 - January Recap: $3,052 + 362,500 Points
Ep 57 - January Recap: $3,052 + 362,500 Points episode artwork
02/06/2024

TMobile Keep & Switch shenanigans, better Capital One offers, Amex Platinum retention strategy, Robinhood unlimited 1% and 3% transfer matches, increased Upgrade and M1 referral bonuses, HelloFresh 75% mailers, and much more!

(00:00) - January Update(05:15) - Credit Cards(23:47) - Brokerages(38:50) - Banks(44:01) - Cellphones(47:46) - Mealkits(52:35) - Final Tally


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Ep 56 - 2023 Recap: $36,417 + 2.47 Million Points 🤯
Ep 56 - 2023 Recap: $36,417 + 2.47 Million Points 🤯 episode artwork
01/19/2024

December churning recap & 2023 earnings breakdown, plus a bonus recap of podcast listener & subscriber stats, along with a special announcement!

(06:22) - Credit Cards(15:44) - Banks(21:55) - Brokerages(22:41) - Discounts & Freebies(27:58) - Final Tally (December)(29:07) - End of Year Tally(38:26) - Bonus: Podcast Recap 🤓


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💌 Most people find the show through w...