Ep 39 - December & 2022 Recap: $32,454 + 981K points
End to a massive year, including big bonuses in December from Morgan Stanley and Public, along with a breakdown of all 2022 churns, plus a bonus recap of listener & subscriber stats from the podcast.
- 2:08 - Credit cards (MS Amex Plat, Chase Inks)
- 8:28 - Banks (DCU, Laurel, Upgrade)
- 12:50 - Brokerages (Public)
- 14:39 - Cellphones (Costco, Mint)
- 18:12 - Mealkits (Green Chef, HelloFresh)
- 20:41 - Freebies & Discounts (Peloton, Target, Turbotax, Sugarfina, Chase offers, Doordash, Apple Music, SiriusXM, StudentBeans, Dell, Starbucks)
- 32:47 - December tally ($3,135 + 416K points)
- 34:08 - 2022 tally ($32,454 + 981K points)
- 44:36 - Bonus: Podcast stats 🤓
Show Notes
💳 Credit Cards
- Morgan Stanley Amex Platinum 125K for $6K in 6 months - Ep 38 - How to Open the Morgan Stanley Amex Platinum
- 🔥 Chase Ink 90K for $6K - referral
💵 Banks
- 🔥 Digital Federal Credit Union $100 Checking +$250 CC funding - DoC | referral
- Laurel Road $300 + $240 - DoC
- Upgrade Card $100 checking (via old referral links only) - DoC | referral
📈 Brokerages
- Public $2K bonus for stock transfer (now $600) - Ep 34 - Public Brokerage App
📱 Cellphones
- Wireless Advocates goes bankrupt, taking down Costco phone sales - news | Ep 17 - Churning iPhones
- Mint Mobile: Buy 3 months, Get 3 months Free (expires Jan 15) - slickdeals | referral
🍱 Mealkits
- Got 3 spare HelloFresh free box codes - leave a comment
- Got 3 spare Green Chef free box codes - leave a comment
🆓 Freebies & Discounts
- Got 5 spare Peloton Water Bottle $1 codes - leave a comment
- 🔥 Target Debit & Reloadable RedCard $40 + $40 free - DoC
- Annual Amazon/Costco Turbotax Sale - DoC
- Sugarfina Fancy Advent Calendars - neiman
- Chase Offer: $5 off $5 at grocery stores - DoC
- Chase Sapphire: $10 off 3 doordash orders - DoC
- Free Apple Music for 4 months (new or returning subscribers) - slickdeals
- Free SiriusXM for 3 months - slickdeals
- StudentBeans discount codes with .edu email - studentbeans
- $25 free Dell credit via Alienware - DoC
- Starbucks Reload $10, get $5 back via Paypal - DoC
⭐️ 2022 End of Year Breakdown
🧑💻 Total # of churns in 2022
Category | # Churns | % Churns |
Bank | 60 | 28% |
Brokerages & Crypto | 20 | 9% |
Cellphones | 14 | 7% |
Credit Card | 27 | 13% |
Deals / Discounts / Freebies | 35 | 16% |
Mealkits | 35 | 16% |
Shopping Portal | 24 | 11% |
Grand Total | 215 | 100% |
💰 Total $ and points earned in 2022
Category | USD | Amex | Chase | Southwest | Total | |
Bank | $15,390 | 47% | 60000 | 60000 | ||
Brokerages & Crypto | $6,450 | 20% | ||||
Cellphones | $1,260 | 4% | ||||
Credit Card | $6,257 | 19% | 240000 | 541000 | 140000 | 921000 |
Deals / Discounts / Freebies | $1,200 | 4% | ||||
Shopping Portal | $1,897 | 6% | ||||
Grand Total | $32,454 | 100% | 300000 | 541000 | 140000 | 981000 |
🙆♂️🤦♀️ P1 vs P2 earnings
P1 Churns | USD | Amex | Chase | Points Total |
Bank | $10,715 | 30000 | 30000 | |
Brokerages & Crypto | $3,300 | |||
Cellphones | $825 | |||
Credit Card | $3,513 | 258000 | 258000 | |
Deals / Discounts / Freebies | $775 | |||
Shopping Portal | $1,362 | |||
Grand Total | $20,490 | 30000 | 258000 | 288000 |
P2 Churns | USD | Amex | Chase | Southwest | Points Total |
Bank | $4,675 | 30000 | 30000 | ||
Brokerages & Crypto | $3,150 | ||||
Cellphones | $435 | ||||
Credit Card | $2,744 | 240000 | 283000 | 140000 | 663000 |
Deals / Discounts / Freebies | $425 | ||||
Shopping Portal | $534 | ||||
Grand Total | $11,963 | 270000 | 283000 | 140000 | 693000 |
🎁 Referrals
Category | Dollars | Points |
Bank | $4,500 | |
Brokerages & Crypto | $975 | |
Cellphones | $410 | |
Credit Card | $1,000 | 140000 |
Shopping Portal | $127 | |
Grand Total | $7,012 | 140000 |
🎙 In my rotation
- All The Hacks - podcast about hacking money, travel, life
- Risk of Ruin - documentary-style show about risk takers (I was a guest last year 😛)
- GeoBreeze Travel - lots of great guest interviews on travel hacking
- milesearnandburn.com (MEAB) - nice daily roundups of points & churning news