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Speaker 1: Welcome to Had the Money. I'm Joel and I am

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Speaker 1: Matt and today we're talking free family travel with Lynn Mettler.

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Speaker 2: That's right.

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Speaker 3: Yeah, so Joel, you and I we both have pretty

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Speaker 3: big families and our youngest kids they're growing up, so

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Speaker 3: we are finally at the stage where traveling with the

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Speaker 3: entire family it's becoming more of a possibility.

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Speaker 1: So honestly, like we've got a vested interest.

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Speaker 3: In today's conversation with our guest, Lynn Mettler of Families

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Speaker 3: Fly Free.

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Speaker 2: She's got a site in the podcast.

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Speaker 3: She's been featured on The Today Show, on US News

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Speaker 3: and World Report as a long time travel journalist. And

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Speaker 3: Lynn she takes her own medicine as well. She and

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Speaker 3: her family they travel and they fly for free about

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Speaker 3: six times every single year. Doesn't sound like it's it's

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Speaker 3: even possible, So we're excited to learn all of her secrets. Lynn,

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Speaker 3: thank you for joining us today on the podcast.

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Speaker 4: Sure, thanks for inviting me.

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Speaker 1: Oh yeah, we're going to get a lot of secrets

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Speaker 1: out of you today, Lena. Let's go all right, Well,

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Speaker 1: the first question we ask anyone who comes on the

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Speaker 1: show is what their craft beer equivalent is and what

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Speaker 1: we mean by that, Matt and I we spend more

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Speaker 1: on craft beer than the average person would think is sane,

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Speaker 1: but we do it joyfully because we really like a

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Speaker 1: good beer now and again. But what is that in

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Speaker 1: your life? Is there something that you spend more on?

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Speaker 1: And most people would say, Lynn, that's crazy, like how

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Speaker 1: do you how do you fit that into your budget?

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Speaker 1: What is that for you?

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Speaker 4: Gosh? I mean a couple of things, definitely, Like I'm

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Speaker 4: a book lover, so I don't I don't limit my

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Speaker 4: budget on book buying. That would be one area I think.

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Speaker 4: But I think when it comes to travel, while we're

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Speaker 4: going to be timing about how to fly for free,

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Speaker 4: stay for free, all that good stuff today, what we

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Speaker 4: found is when you learn how to do that, then

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Speaker 4: you can splurge on other parts of your trip that

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Speaker 4: you might not have otherwise because you say, you didn'tay

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Speaker 4: anything to fly there, and maybe you're staying for free

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Speaker 4: so you can do excursions, or maybe you eat like

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Speaker 4: at a fancy restaurant, or you do a VIP tour

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Speaker 4: at Disney something like that that you would never ever

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Speaker 4: have done because you have the money to do it

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Speaker 4: because you saved so much. So like recently, we were

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Speaker 4: just in Paris.

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Speaker 2: Yeah, give me an example, I want to hear it.

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Speaker 4: Yeah, and so like we did a private tour of

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Speaker 4: the castles of the Loire Valley because I'd always want

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Speaker 4: to do that. That's been a bucket list thing for me,

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Speaker 4: to see those beautiful French castles. And so that was

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Speaker 4: an example because we on that trip, we covered our

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Speaker 4: hotel and our flights.

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Speaker 2: So I love it.

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Speaker 3: I would totally do that. Yeah, I wouldn't just be

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Speaker 3: looking to cut back and eliminate that cost altogether. But

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Speaker 3: how can I not only do this maybe for yeah,

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Speaker 3: a little more fortably, but then kind of come out

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Speaker 3: maybe even but by exposing myself to just just a

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Speaker 3: vastly superior, much better trip overall experience, still coming out

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Speaker 3: less than the average person spends for not as cool

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Speaker 3: as a trip.

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Speaker 4: Yeah, that's exactly it. Yes, you can have a way

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Speaker 4: better trip and still spend less for it than you

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Speaker 4: would on a very average trip.

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Speaker 3: Yeah, Like, what is it that pushed you down this

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Speaker 3: path to begin with? Because obviously you teach others now

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Speaker 3: about how to fly for free. You've got a membership

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Speaker 3: the cohort that folks can join and we'll certainly point

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Speaker 3: folks towards that at the end of the episode. But

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Speaker 3: was it just a desire to travel more that led

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Speaker 3: you down this path of learning all about flying for free?

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Speaker 4: Well, I think I didn't even think travel was a

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Speaker 4: possibility for us. I really never gave that much thought.

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Speaker 4: I was like, well, we just can't afford that, so

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Speaker 4: maybe in our wildest dreams, someday we'll be able to

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Speaker 4: travel more. But I was really a coup on or

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Speaker 4: so I think I have this mindset of how much

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Speaker 4: can I get for how little? And as you said,

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Speaker 4: I was a long time travel journalist, and so I

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Speaker 4: got pitched a story one day of this couple who

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Speaker 4: was flying all over the world for free on Frequent

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Speaker 4: Flyer miles. But what got me was they weren't earning

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Speaker 4: those miles by paying for flights. And that was kind

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Speaker 4: of a light bulb moment for me because my dad

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Speaker 4: was a business traveler and I knew he earned frequent

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Speaker 4: Flyer miles flying delt out of Atlanta, right, but it

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Speaker 4: was because he paid for those flights, and so they

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Speaker 4: were doing they were earning miles without paying for flights.

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Speaker 4: So that's where I was like, well, that's interesting. Maybe

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Speaker 4: I could kind of like couponing. You know, you're like

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Speaker 4: collecting miles, just like you're collecting coupons, and you're you're

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Speaker 4: using him to pay for flights. And what a much

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Speaker 4: better return than saving fifty cents or whatever five dollars

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Speaker 4: here or there on groceries. But maybe I could figure

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Speaker 4: out a way that we could fly on these miles

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Speaker 4: and start to travel. So then I just decided to

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Speaker 4: figure that out. And you know, it took me a

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Speaker 4: couple of years to kind of narrow down a process

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Speaker 4: that worked for us that wasn't crazy time I'm consuming

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Speaker 4: or overwhelming. And then we started this flying six times

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Speaker 4: a year for free wherever we wanted in the US

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Speaker 4: and the Caribbean and Europe. And so I just decide,

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Speaker 4: I need to tell other people how to do this

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Speaker 4: this process that I figured out. It's pretty simple and

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Speaker 4: it works, you know.

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Speaker 1: Well, And let's be honest, epic trips, six awesome trips

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Speaker 1: a year. That's way better than like discounted catch up

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Speaker 1: so much better. The reward, the potty gold at the

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Speaker 1: end of the rainbow, is just so much richer.

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Speaker 3: The zero's at the end of the number when it

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Speaker 3: comes to the savings, is are much more.

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Speaker 1: Yeah, all right, Lynn, how many kids do you have?

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Speaker 1: And please tell us, like, where have you guys been

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Speaker 1: able to travel thanks to these reward points? And yeah,

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Speaker 1: I don't know. I'm just curious how far has this

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Speaker 1: gotten you.

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Speaker 4: So I have two boys and they are now fifteen

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Speaker 4: and nineteen, so I have one in college, so they're

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Speaker 4: starting to kind of get to the age where they're

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Speaker 4: less interested in traveling. So I always encourage people to

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Speaker 4: do it while your kids are at home. Make those

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Speaker 4: memories while you you know, are all there together and

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Speaker 4: they still want to go and they're not, you know,

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Speaker 4: just want to hang out with their friends all.

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Speaker 1: The time before attitude yep.

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Speaker 4: Or they have to get off their devices when you're

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Speaker 4: driving and looking at something beautiful, cush darn it, you know,

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Speaker 4: that kind of stuff. But so I would say, I mean,

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Speaker 4: if we're we've been doing this for I guess eight

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Speaker 4: years now, and I think we've already flown six times

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Speaker 4: this year. I think this might be a record breaking

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Speaker 4: year for us, you know, the one we first kind

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Speaker 4: of figured out how to do this for free around

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Speaker 4: the US, and then we branched out and did Grand Cayman.

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Speaker 4: That was our first trip to the Caribbean, and we've

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Speaker 4: done a lot of like national parks. We love Disney,

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Speaker 4: so we go there frequently. We love the Rocky Mountains,

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Speaker 4: so we love to go to Colorado, California, love Utah.

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Speaker 4: There's so many great places in the United States to see.

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Speaker 4: But I'd always wanted to go to Europe and I

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Speaker 4: had been once, but my family had never been. And

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Speaker 4: again I just thought, well, this is not something we'll

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Speaker 4: ever be able to do. Like I would read under

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Speaker 4: the Tuscan Son and just be like, Oh, I'm never

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Speaker 4: going to get to see coscany you know. But so

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Speaker 4: we did this for a couple of years and then

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Speaker 4: I figured out how, okay, how we could make this

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Speaker 4: work for Europe, and we took all of us to

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Speaker 4: Europe and we did you know, Paris, and we did

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Speaker 4: Italy and we got to see you know, like show

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Speaker 4: the kids. They got to see them Mona Lisa, and

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Speaker 4: they got to see the Statue of David and they

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Speaker 4: you know, all these things that they're learning about in school.

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Speaker 4: I just thought it was amazing that they actually got

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Speaker 4: to see them firsthand.

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Speaker 1: It's pretty cool.

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Speaker 4: We bored them a little bit like we stayed over

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Speaker 4: there for three weeks and then got tired of looking

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Speaker 4: at churches. But anyway, it was it was certainly an

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Speaker 4: amazing trip. And then we've kind of realized that we

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Speaker 4: can now go back to Europe like once a year,

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Speaker 4: once every other year with our system of collecting miles.

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Speaker 2: I love it.

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Speaker 3: Well, okay, so before we kind of dive into the

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Speaker 3: logistics of flying for free, Lynn, what do you tell folks,

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Speaker 3: just like right out of the gate about using credit

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Speaker 3: cards and how these strategies can packed their credit. Because yes,

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Speaker 3: if you're only focusing on just the end goal of traveling,

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Speaker 3: it's like, oh well, if that's the price, if that's

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Speaker 3: the goal, then I'm going to do whatever it takes.

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Speaker 3: But of course we are holistic individuals, Like we take

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Speaker 3: a holistic approach when it comes to your money. You

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Speaker 3: want to make sure that you are handling your personal

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Speaker 3: finance as well. So I'm curious because just a lot

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Speaker 3: of the strategies involve using some of the different cards,

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Speaker 3: how do you approach that balance of taking care of

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Speaker 3: your credit while also trying to reap some of the

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Speaker 3: rewards that you can get from those cards.

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Speaker 4: Well, first, of all, the way my process of doing

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Speaker 4: this involves just a couple of credit cards, so I'm

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Speaker 4: sort of anti have a wallet full of cards and

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Speaker 4: constantly be opening cards to get the bonus on it.

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Speaker 4: That there seems to be a prevailing wisdom out there

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Speaker 4: that that's how you do travel rewards, and you don't

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Speaker 4: have to do it that way. It's a lot harder

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Speaker 4: that way, and you get confused with what you owe

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Speaker 4: on what card and all these annual fees, and then

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Speaker 4: you can get into trouble. Right, so we've mapped it out.

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Speaker 4: It's really comes down to understanding the right cards to

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Speaker 4: put your day to day spending on. That's the key

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Speaker 4: versus let me constantly be getting a new card and

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Speaker 4: meeting the minimum spend and getting a big bonus. But

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Speaker 4: of course we always encourage people to be responsible with

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Speaker 4: credit cards. I have been in credit card debt myself,

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Speaker 4: so I know what that's like and trying to get

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Speaker 4: out of that. So we don't want you to do

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Speaker 4: this if you know yourself and you can't pay that

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Speaker 4: balance off. What I always recommend to people is, you know,

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Speaker 4: if you're using it for your everyday spending, so you're

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Speaker 4: charging your groceries, then I like to just go in

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Speaker 4: and pay that the next day, because then there's no

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Speaker 4: difference in me using my debit card and having those

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Speaker 4: groceries come out immediately then there is for me using

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Speaker 4: the credit card where I'm going to pay it right

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Speaker 4: off the next day. It still came out of my

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Speaker 4: checking account, so covered, I'm not stuck with a bill

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Speaker 4: at the end of the month that I don't have

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Speaker 4: enough money in the bank to cover. And I know

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Speaker 4: you guys aren't one hundred percent fans of Dave Ramsey

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Speaker 4: and his you know, all of his recommendations, and I

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Speaker 4: just I hate that there's this again prevailing wisdom out

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Speaker 4: there that credit cards are bad. Yeah, and we need

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Speaker 4: to realize credit cards are just neutral.

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Speaker 1: How we use just a tool exactly, Yeah.

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Speaker 4: That's good or bad. So if we can use them

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Speaker 4: for good and we can understand how to use them

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Speaker 4: for good and how to use them responsibly, man, you

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Speaker 4: can save a lot, you know. So I just wish

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Speaker 4: there wasn't just this blanket statement we should never use

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Speaker 4: a credit card ever. You know, certainly we don't want

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Speaker 4: to be in debt, and of course you want to

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Speaker 4: get yourself out of credit card debt first before you

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Speaker 4: would engage in anything like this. But yeah, I just

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Speaker 4: think that as a society we need to re examine

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Speaker 4: that statement.

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Speaker 1: Yeah, okay, So Matt and I we talk about travel

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Speaker 1: cards sometimes since we talk about cash back cards. I

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Speaker 1: guess you mentioned, oh, shopping at the grocery store, and

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Speaker 1: we like the Amex Blue cash preferred chopping at the

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Speaker 1: grocery store to the six percent back and it's it's

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Speaker 1: a straight up cash back sort of play. But you

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Speaker 1: are all about the travel, that is the thing you're

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Speaker 1: going for. So I don't know, tell us, are we

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Speaker 1: being short sighted using something like cash back rewards cards

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Speaker 1: some of the time? She will, we be using travel

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Speaker 1: cards all the time to buy everything.

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Speaker 4: Well, that's my recommendation if you're interested in traveling, you know,

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Speaker 4: if you're not interested in traveling, of course, then go

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Speaker 4: for the cash best cash back that you can get.

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Speaker 4: But like I was just interviewing one of my members,

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Speaker 4: she's on the my podcast this week, and she's a

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Speaker 4: you know, five person, and she was saying she'd always

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Speaker 4: used her city double cash and she thought she was

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Speaker 4: doing really great, and you know, maybe she ended up

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Speaker 4: with a thousand two thousand dollars at the end of

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Speaker 4: the year cash back, but now she saved eight thousand

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Speaker 4: dollars on trips they would never have taken or even

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Speaker 4: known how to do. And how those two don't even compare.

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Speaker 4: So really, the way I teach it is so you

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Speaker 4: don't have to, like again, have a wallet of cards

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Speaker 4: and be like, Okay, I use this card for gas,

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Speaker 4: and I use this card for groceries, and I use

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Speaker 4: this card for dining. You know what I mean. It's

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Speaker 4: designed to be simple, and so if you can pick

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Speaker 4: one or two cards that you just use for your

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Speaker 4: everyday spending, I think that just simplifies it for a

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Speaker 4: lot of people. And then you just are constantly accumulating miles,

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Speaker 4: and certainly, you know you can if you could get

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Speaker 4: a bonus on a card with a bunch of travel miles,

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Speaker 4: that's going to be better than two percent cash back,

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Speaker 4: of course, but you know, and it's just sort of

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Speaker 4: personal preference, Like if you are going to get more

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Speaker 4: value out of six percent on your MX Blue cash

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Speaker 4: on groceries and you want to do that, we'll do that,

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Speaker 4: you know. But if you want to just keep it

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Speaker 4: simple and just be like, well, I'm going to pick

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Speaker 4: between these two cards and just use that for everything.

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Speaker 4: That's generally what we're advising nice to do because people

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Speaker 4: we're busy, you.

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Speaker 3: Know, sure, yeah, Aspect doesn't necessarily need to be a

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Speaker 3: part time job, and so you can can I tease

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Speaker 3: to the sign up buses And I definitely want to

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Speaker 3: ask you some more about that here in a bit,

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Speaker 3: but so can you just basically or quickly kind of

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Speaker 3: outline it sounds like you've kind of you've got this

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Speaker 3: very simplified three card method. What cards are you using

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Speaker 3: and how are you able to use the cards and

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Speaker 3: specifically those points to allow you to travel for free.

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Speaker 4: The beginning of my process focuses on Southwest Airlines because

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Speaker 4: they have the best program, loyalty program to allow you

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Speaker 4: to fly it as many places as you want and

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Speaker 4: bring your whole family with you. It's the simplest and

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Speaker 4: you get the most value out of it. So we

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Speaker 4: teach people how to first earn the Southwest Companion Pass,

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Speaker 4: and you can do that by applying for two Southwest cards,

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Speaker 4: so that's really one and two, and the Southwest Companion

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Speaker 4: Pass allows you to bring one person with you on

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Speaker 4: any Southwest flight you take while you hold this pass

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Speaker 4: for free free airfare, you pay the five dollars and

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Speaker 4: sixty cent security fee that none of us can get around,

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Speaker 4: So eleven dollars and twenty cents.

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Speaker 1: So we caught you land. It's not totally free.

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Speaker 4: I know. I can't tell you how many times I

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Speaker 4: hear that. So I have to make sure I say

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Speaker 4: there is a security fee. It's the airfare is free,

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Speaker 4: but you have to pay the security fee. Yeah, but

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Speaker 4: you know whatever, I'll pay eleven bucks any day for

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Speaker 4: a flight. Sure, so that person can fly as many

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Speaker 4: times as you want to fly while you hold the pass,

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Speaker 4: and the pass is good from the time you earn

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Speaker 4: it until the end of the following year. So we

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Speaker 4: try to get our people on a system so they

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Speaker 4: have it for almost two full years at a time.

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Speaker 4: Because Southwest kind of the way they word it, they

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Speaker 4: want to tell you need to be re earning it

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Speaker 4: every year. It's kind of funny how they word it, like, yeah,

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Speaker 4: I have one this year, but I need to be

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Speaker 4: re earning the points again for next year's, which is

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Speaker 4: not how you want.

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Speaker 2: To do it.

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Speaker 3: Yeah, technically you can, so, I mean it's a two

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Speaker 3: year benefit, right, So whatever year you earn it, do

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Speaker 3: you have it for the remainder of that year, but

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Speaker 3: then the following year as well.

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Speaker 2: That's funny.

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Speaker 1: The worst case scenario is you get it in November

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Speaker 1: December and you don't get that two years in market.

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Speaker 4: Well, and even like I there's a lot of discussion

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Speaker 4: out there about that, like, well, I only want to

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Speaker 4: get it if I can have it for almost two

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Speaker 4: full years, and that is the ideal, and we get

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Speaker 4: you on that. But like, if let's just say it's

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Speaker 4: September and if you could get this pass in November,

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Speaker 4: you'd have a free flight in December, well get it,

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Speaker 4: because if that's going to save you the cost of

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Speaker 4: that flight, you're going to have it the following year,

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Speaker 4: and then we'll get you on our system to always

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Speaker 4: have it for two years kind of a deal. So

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Speaker 4: we start with that, because there's no better deal going

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Speaker 4: than eliminating the cost of one member of your family

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Speaker 4: completely in points you don't pay any points for them,

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Speaker 4: and in dollars. And then we show you Southwest there's

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Speaker 4: just a lot of tricks you can play with them

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Speaker 4: to pay fewer points per flight. Just the way that

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Speaker 4: their system is laid out inevitably, like on a Delta

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Speaker 4: or an American or United, you're probably gonna end up

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Speaker 4: paying around twenty five thousand miles round trip. If it's

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Speaker 4: beyond driving distance, you might be able to find a

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Speaker 4: better deal here and there, but for the most part,

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Speaker 4: that's what you're gonna I mean Southwest now not always,

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Speaker 4: not during super busy times, but I mean we regularly

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Speaker 4: fly for we just saw people get three thousand point

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Speaker 4: round trip flights in October when they it's not in October,

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Speaker 4: it was just a couple months ago when they had

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Speaker 4: a sale.

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Speaker 1: Was I joked on that one? Yeah, I think I

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Speaker 1: got round trip to New York City from Atlanta for

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Speaker 1: I want to say, fifty six hundred points or something

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Speaker 1: like that.

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Speaker 4: Not bad exactly. So like how many you could take

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Speaker 4: five of those for twenty five thousand points that you

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Speaker 4: would likely pay on another airline, So you can get

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Speaker 4: way more trips in you're eliminating the cost of one person.

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Speaker 4: And like we you know, the Southwest always has where

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Speaker 4: if you book them in points, really if you book

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Speaker 4: in cash too, but and the price goes down, you

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Speaker 4: can rebook that flight at no cost and get the

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Speaker 4: difference put back in your account, so with cash you

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Speaker 4: would get a credit, which we don't love. So we

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Speaker 4: always teach people to book Southwest in points. But if

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Speaker 4: you're booking in points and so, like we save tens

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Speaker 4: of thousands of points just checking to see if the

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Speaker 4: price has gone down after we book it, wow, and

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Speaker 4: getting points put back in our account because there's they

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Speaker 4: charge no change fees, they charge no cancel fees, so

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Speaker 4: you can even like like your flight from Atlanta, New York,

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Speaker 4: you could have grabbed that, not sure if you would

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Speaker 4: take it or not, and if you ended up not

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Speaker 4: taking it, you just cancel it and points go right

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Speaker 4: back in your account.

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Speaker 3: That's one of the one of the benefits with the

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Speaker 3: Southwest because I mean, and I've seen you talk about

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Speaker 3: this as well, and specifically I guess kind of going

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Speaker 3: back to the companion pass, but we're kind of comparing

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Speaker 3: Southwest to Delta and some of the other carriers, Like, yeah,

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Speaker 3: you can get a companion pass with Delta, but it

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Speaker 3: is far inferior to the offerings that that Southwest. Can

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Speaker 3: you kind of talk about that and some of the

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Speaker 3: other advantages that Southwest has over the other airlines.

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Speaker 4: Yes, and I have a whole podcast on just that

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Speaker 4: the difference between Southwest companion Pass and Delta and Alaska's

384
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Speaker 4: because so many people go, oh, but Delta has a

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Speaker 4: companion pass. Yeah, so Delta's is one time only and

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Speaker 4: you have to pay for your seat in dollars, whereas

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Speaker 4: and then you can add your companion for free. Whereas

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Speaker 4: on Southwest you can pay for your seat in points

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Speaker 4: and add your companion for free. And that's what we

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Speaker 4: teach you, how to do.

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Speaker 2: An unlimited number of.

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Speaker 4: Times, unlimited number of times.

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Speaker 3: Until until that thing runs that which is incredible, I mean,

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Speaker 3: and that's obviously. One of the benefits of points as well,

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Speaker 3: is that they never expire. I will mention I'm more

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Speaker 3: of a travel points kind of new but I only

397
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Speaker 3: realized this recently. But for some reason, I thought that

398
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Speaker 3: you had to like, quote unquote spend your points in

399
00:18:45,240 --> 00:18:49,399
Speaker 3: order to receive the companion pass. But it's not about

400
00:18:49,440 --> 00:18:52,199
Speaker 3: how many points you actually have in your account. It's

401
00:18:52,200 --> 00:18:54,840
Speaker 3: about how many points you've earned over that period of time,

402
00:18:55,160 --> 00:18:56,720
Speaker 3: and you can still use those points to book your

403
00:18:56,760 --> 00:18:59,240
Speaker 3: own travel. It's just that they go towards at this point.

404
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Speaker 3: Now it's a hundred and third five thousand points in

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Speaker 3: order to score that companion passes.

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Speaker 2: Is that Am I understanding it correctly?

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Speaker 3: Right?

408
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Speaker 1: Yeah?

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Speaker 4: So, and that is a common thing that a lot

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Speaker 4: of people think when they're first learning about this. So

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00:19:10,800 --> 00:19:13,200
Speaker 4: you you have to collect one hundred and thirty five

412
00:19:13,280 --> 00:19:16,879
Speaker 4: thousand points within one calendar year, so a lot of

413
00:19:16,920 --> 00:19:19,800
Speaker 4: people mess that up to between January first and December

414
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Speaker 4: thirty first. Otherwise the number of qualifying points you have

415
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Speaker 4: starts at zero again on January first the next year.

416
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Speaker 4: So but you just it's just about you said, the collecting.

417
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Speaker 4: You just got to collect them, it's not about spending.

418
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Speaker 4: So as soon as they are collected, they count toward

419
00:19:35,400 --> 00:19:37,960
Speaker 4: your companion pass and then you can use them to

420
00:19:38,000 --> 00:19:41,720
Speaker 4: book flights. And that doesn't mean you lose their qualifications

421
00:19:41,720 --> 00:19:46,359
Speaker 4: toward companion pass either. And it's like a double bonus.

422
00:19:46,359 --> 00:19:48,600
Speaker 4: So you're collecting one hundred and thirty five thousand points,

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Speaker 4: you get a companion pass to bring someone free, and

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Speaker 4: then you use your one hundred and thirty five thousand

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00:19:53,160 --> 00:19:56,119
Speaker 4: points to book everybody else in your family. And then

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Speaker 4: there's so many ways to stretch those one hundred and

427
00:19:58,560 --> 00:20:02,680
Speaker 4: thirty five thousand points across many, many flights. You could

428
00:20:02,800 --> 00:20:05,520
Speaker 4: choose to, like fly to Hawaii over Christmas and that

429
00:20:05,560 --> 00:20:07,960
Speaker 4: probably will take the whole one hundred and thirty five thousand,

430
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Speaker 4: or you can like what we did at the beginning

431
00:20:11,359 --> 00:20:13,480
Speaker 4: in particular, is we just looked for where's it cheap

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Speaker 4: to fly to from Indianapolis that we haven't been that

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Speaker 4: we'd like to see, And so that's how we started.

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Speaker 4: We're like, well, kids haven't seen New York City, Let's

435
00:20:20,160 --> 00:20:22,960
Speaker 4: go out there. Kids haven't seen the Rocky Mountains, Let's

436
00:20:22,960 --> 00:20:24,960
Speaker 4: go out there. We've never been to Disneylands. We did that,

437
00:20:25,880 --> 00:20:27,600
Speaker 4: and so that's a way to save too. It's just

438
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Speaker 4: by picking places that are cheap.

439
00:20:30,960 --> 00:20:34,680
Speaker 1: Yes, I love that too. Letting the deal drive the destination,

440
00:20:35,040 --> 00:20:37,680
Speaker 1: whether you're paying in dollars or points, is a really

441
00:20:37,720 --> 00:20:39,639
Speaker 1: good way to think about it instead of being like,

442
00:20:39,680 --> 00:20:41,600
Speaker 1: oh man, I got to get here during this date,

443
00:20:42,280 --> 00:20:44,800
Speaker 1: this specific time period. Well, if you can be a

444
00:20:44,840 --> 00:20:47,120
Speaker 1: little more flexible about where you're going, like, yeah, I'll

445
00:20:47,119 --> 00:20:49,760
Speaker 1: take any of these cool ten destinations you're going to

446
00:20:49,840 --> 00:20:52,840
Speaker 1: in all likelihood be able to pay less, whether it's yeah,

447
00:20:52,880 --> 00:20:55,480
Speaker 1: points or dollars. But Linn, we've got more questions. We

448
00:20:55,480 --> 00:20:57,000
Speaker 1: want to get to with you. We want to go

449
00:20:57,240 --> 00:20:59,560
Speaker 1: even beyond Southwest because they're great. But what if you

450
00:20:59,600 --> 00:21:01,640
Speaker 1: want to go to Europe like you just did. We'll

451
00:21:01,640 --> 00:21:03,719
Speaker 1: talk about that, We'll talk about sign up bonuses, all

452
00:21:03,720 --> 00:21:05,439
Speaker 1: that kind of stuff. Well, we'll get to more with

453
00:21:05,480 --> 00:21:06,360
Speaker 1: Lynn right after this.

454
00:21:15,840 --> 00:21:17,639
Speaker 3: All right, we are back from the break talking with

455
00:21:17,760 --> 00:21:22,040
Speaker 3: Lynn Mettler of Families Fly Free and Linn. So correct

456
00:21:22,040 --> 00:21:24,080
Speaker 3: me if I'm wrong, But it sounded like maybe you

457
00:21:24,080 --> 00:21:26,240
Speaker 3: have a three pronged approach when it comes to flying

458
00:21:26,240 --> 00:21:30,359
Speaker 3: for free. Is do you count multiple Southwest cards as

459
00:21:30,800 --> 00:21:33,640
Speaker 3: one of those prongs or do multiple cards count as

460
00:21:33,680 --> 00:21:36,720
Speaker 3: part of that three card approach? Can you basically explain

461
00:21:36,760 --> 00:21:38,879
Speaker 3: to us the rest of the rest of your approach

462
00:21:39,119 --> 00:21:41,840
Speaker 3: for keeping things simple as families are trying to get

463
00:21:41,840 --> 00:21:43,440
Speaker 3: their family places for free?

464
00:21:43,880 --> 00:21:46,760
Speaker 4: Right, So yeah, I count those two cards. Those are

465
00:21:47,080 --> 00:21:51,359
Speaker 4: first two, and then then the next part is really

466
00:21:51,480 --> 00:21:55,560
Speaker 4: just picking the right card for your travel goals, picking

467
00:21:55,600 --> 00:21:59,720
Speaker 4: a flexible travel card to focus on. And this is

468
00:21:59,760 --> 00:22:02,280
Speaker 4: where I think a lot of people mess up. So

469
00:22:02,359 --> 00:22:04,800
Speaker 4: many people come to me and they're putting all their

470
00:22:04,840 --> 00:22:08,040
Speaker 4: spending on an airline card. Pick your airline, doesn't matter,

471
00:22:08,080 --> 00:22:12,320
Speaker 4: could be Southwest, too, and the problem with that is

472
00:22:12,440 --> 00:22:15,399
Speaker 4: you're earning a point only in that currency, so you

473
00:22:15,400 --> 00:22:17,040
Speaker 4: can only use it with Delta or you can only

474
00:22:17,080 --> 00:22:20,680
Speaker 4: use it with Southwest, and mostly on those cards, you

475
00:22:21,200 --> 00:22:24,280
Speaker 4: don't earn very many points per dollar in most categories

476
00:22:24,280 --> 00:22:26,920
Speaker 4: of spending, so you're gonna earn more when you buy

477
00:22:26,920 --> 00:22:29,679
Speaker 4: something with Delta. But the whole idea here is for

478
00:22:29,720 --> 00:22:31,560
Speaker 4: you to not have to buy anything with Delta, so

479
00:22:32,080 --> 00:22:35,919
Speaker 4: that shouldn't help you, so we recommend picking a flexible

480
00:22:36,040 --> 00:22:39,360
Speaker 4: travel card. So like I really like Chase Sapphire Preferred,

481
00:22:39,440 --> 00:22:43,160
Speaker 4: I also like Capital one Venture X. Both of those systems,

482
00:22:43,200 --> 00:22:47,600
Speaker 4: the Chase Ultimate Rewards and the Capital one Venture system

483
00:22:48,119 --> 00:22:51,280
Speaker 4: work very well and so you are going to accumulate

484
00:22:51,320 --> 00:22:54,760
Speaker 4: more points per dollar and different categories of spending. Capital

485
00:22:54,800 --> 00:22:58,080
Speaker 4: one system gives you two points per dollar on everything,

486
00:22:58,080 --> 00:23:00,600
Speaker 4: which is nice and simple. It's a flat two points,

487
00:23:01,400 --> 00:23:04,080
Speaker 4: whereas Chase a Fire Preferred, you're going to get two

488
00:23:04,119 --> 00:23:06,280
Speaker 4: points per dollar on travel, three points per dollar on

489
00:23:06,359 --> 00:23:09,359
Speaker 4: dining and some other categories. So you're getting more points

490
00:23:09,400 --> 00:23:12,639
Speaker 4: per dollar and you're getting a flexible point that you

491
00:23:12,680 --> 00:23:15,800
Speaker 4: can use wherever you need it. So the Chase system

492
00:23:15,840 --> 00:23:17,880
Speaker 4: is great in working with Southwest. So if you want

493
00:23:17,880 --> 00:23:20,200
Speaker 4: to if you need more Southwest points, you just accumulate

494
00:23:20,240 --> 00:23:22,320
Speaker 4: them over in Chase and then you move them over

495
00:23:22,359 --> 00:23:26,120
Speaker 4: to Southwest. You know, you can move your points to United.

496
00:23:26,160 --> 00:23:28,679
Speaker 4: You can move it to get free hotels days at

497
00:23:28,760 --> 00:23:34,320
Speaker 4: Hyatt and Marriott and the Intercontinental Hotels Group. But better yet,

498
00:23:34,400 --> 00:23:37,240
Speaker 4: you can use They have their own travel portal, So

499
00:23:37,440 --> 00:23:40,000
Speaker 4: just like booking on an Expedia or something like that,

500
00:23:40,560 --> 00:23:42,600
Speaker 4: you can go in and use your points to book

501
00:23:43,520 --> 00:23:47,679
Speaker 4: almost any airline and almost any hotel within their system.

502
00:23:48,040 --> 00:23:51,919
Speaker 4: And so that makes things infinitely simple. So you know,

503
00:23:52,080 --> 00:23:56,399
Speaker 4: versus like trying to fly to Europe and collect Singapore

504
00:23:56,440 --> 00:23:59,639
Speaker 4: Airlines miles and then use those miles to book in

505
00:23:59,760 --> 00:24:02,760
Speaker 4: UNI because it's cost you less, and then you have

506
00:24:02,800 --> 00:24:04,800
Speaker 4: to look for an award seat and you hope that

507
00:24:04,840 --> 00:24:06,720
Speaker 4: it pops up on a flight that you want to take.

508
00:24:06,800 --> 00:24:11,159
Speaker 4: You know, that's not my jam. So I am looking

509
00:24:11,280 --> 00:24:13,879
Speaker 4: for simple. I can go in these systems, I can

510
00:24:13,880 --> 00:24:16,480
Speaker 4: book If I want to book a first class flight

511
00:24:16,560 --> 00:24:18,640
Speaker 4: with my points, I can do that. If I want

512
00:24:18,640 --> 00:24:20,679
Speaker 4: to book the NonStop, I can do it. If I

513
00:24:20,720 --> 00:24:23,240
Speaker 4: want to find a cheaper one, that's an option too.

514
00:24:24,080 --> 00:24:27,560
Speaker 4: And Capital One works very similarly, and it's even more

515
00:24:27,560 --> 00:24:31,040
Speaker 4: flexible in that you can book directly with the airline,

516
00:24:31,320 --> 00:24:33,800
Speaker 4: so I could. That's what we did with our Europe trip,

517
00:24:33,960 --> 00:24:37,480
Speaker 4: is we booked a flight directly with Delta. We paid

518
00:24:37,520 --> 00:24:39,159
Speaker 4: for it with that card, and then they have a

519
00:24:39,200 --> 00:24:41,640
Speaker 4: way you can use your points to erase or pay

520
00:24:41,720 --> 00:24:43,680
Speaker 4: for if you will that charge.

521
00:24:44,119 --> 00:24:44,479
Speaker 2: Nice.

522
00:24:44,920 --> 00:24:47,400
Speaker 3: Well, I think your approach is great because it does

523
00:24:47,440 --> 00:24:49,000
Speaker 3: keep it simple, and I think that's what keeps a

524
00:24:49,040 --> 00:24:51,200
Speaker 3: lot of folks from kind of going down the path

525
00:24:51,240 --> 00:24:53,119
Speaker 3: of trying to find ways to utilize these points in

526
00:24:53,160 --> 00:24:55,080
Speaker 3: these miles in order to travel for free, because it

527
00:24:55,119 --> 00:24:58,680
Speaker 3: seems so daunting and overwhelming. But you mentioned I love

528
00:24:58,720 --> 00:25:01,560
Speaker 3: your approach. How your third car does either the Chase

529
00:25:01,560 --> 00:25:03,479
Speaker 3: staff are I preferred or the Capitol one venture X

530
00:25:03,680 --> 00:25:05,040
Speaker 3: to kind of fill in all the little nooks and

531
00:25:05,040 --> 00:25:08,280
Speaker 3: cranies after you are maybe knocking out the bulk of

532
00:25:08,280 --> 00:25:12,840
Speaker 3: your spending with the Southwest cards. What specific Southwest cards,

533
00:25:12,880 --> 00:25:15,280
Speaker 3: by the way, are you liking these days? Is it

534
00:25:15,280 --> 00:25:17,600
Speaker 3: the Plus one or I forget the names of the cards,

535
00:25:17,640 --> 00:25:19,160
Speaker 3: but do you have a recommendation there?

536
00:25:19,480 --> 00:25:23,480
Speaker 4: Yeah, so they have business cards. There's two business cards

537
00:25:23,520 --> 00:25:25,959
Speaker 4: and then they have I just call them personal cards

538
00:25:26,000 --> 00:25:29,920
Speaker 4: to differentiate them from business cards. But there's three personal cards.

539
00:25:29,960 --> 00:25:33,880
Speaker 4: So and here's the thing with travel credit cards is yes,

540
00:25:33,960 --> 00:25:36,760
Speaker 4: we do this keeps it really simple, but there's still

541
00:25:36,760 --> 00:25:39,119
Speaker 4: all kind of rules and that you have to know

542
00:25:39,160 --> 00:25:41,840
Speaker 4: about how often you can get cards, and you know

543
00:25:41,840 --> 00:25:44,320
Speaker 4: how many cards Chase will let you have, and how

544
00:25:44,400 --> 00:25:47,159
Speaker 4: much time you need to leave before applying for another one,

545
00:25:47,160 --> 00:25:50,320
Speaker 4: that kind of stuff. So, for example, Southwest has the

546
00:25:50,359 --> 00:25:53,480
Speaker 4: three personal cards. You can hold only one of those

547
00:25:53,520 --> 00:25:56,760
Speaker 4: cards at a time, and you can get the bonus

548
00:25:56,800 --> 00:26:01,280
Speaker 4: on those ones every twenty four months, so you're limited

549
00:26:01,320 --> 00:26:04,760
Speaker 4: to one there. So there are three, and we recommend

550
00:26:04,880 --> 00:26:08,399
Speaker 4: either the one with the cheapest annual fee, which is

551
00:26:08,440 --> 00:26:12,040
Speaker 4: sixty nine dollars, so if you're looking to not outlet,

552
00:26:12,080 --> 00:26:14,000
Speaker 4: you know, outlay as little as possible to do this,

553
00:26:14,040 --> 00:26:15,880
Speaker 4: that would be the best option, but it has really

554
00:26:15,960 --> 00:26:19,639
Speaker 4: no perks with it, or the most expensive one, which

555
00:26:19,800 --> 00:26:23,160
Speaker 4: is the Priority, and that one's one forty nine annual fee,

556
00:26:23,200 --> 00:26:25,000
Speaker 4: but it comes with a lot of great perks. So

557
00:26:25,880 --> 00:26:29,480
Speaker 4: on Southwest. The downside of flying them is they don't

558
00:26:29,520 --> 00:26:32,520
Speaker 4: give you your seating assignment in advance, so we have

559
00:26:32,560 --> 00:26:34,920
Speaker 4: all kinds of ways we teach you to mitigate that.

560
00:26:35,040 --> 00:26:38,199
Speaker 4: But so the perks that you get primarily with this

561
00:26:38,280 --> 00:26:42,360
Speaker 4: priority card give you like earlier boarding orders, which mean

562
00:26:42,440 --> 00:26:45,359
Speaker 4: you can pick your seat sooner, or it checks you

563
00:26:45,400 --> 00:26:47,960
Speaker 4: in earlier, which also gives you an early boarding order.

564
00:26:48,040 --> 00:26:50,720
Speaker 4: So if seating is important to you, you might want

565
00:26:50,760 --> 00:26:54,800
Speaker 4: to opt for the one with the perks. And if

566
00:26:54,840 --> 00:26:57,080
Speaker 4: you don't care about that, then we tell people go

567
00:26:57,119 --> 00:26:59,119
Speaker 4: with the cheap one, the middle one. There's really no

568
00:26:59,160 --> 00:27:01,200
Speaker 4: benefit to having it. You pay a higher annual fee

569
00:27:01,200 --> 00:27:05,080
Speaker 4: and you really don't you get no international transaction fees.

570
00:27:05,400 --> 00:27:05,840
Speaker 2: What do you do?

571
00:27:06,640 --> 00:27:06,760
Speaker 4: Right?

572
00:27:06,840 --> 00:27:07,919
Speaker 2: Okay, yeah, all right?

573
00:27:07,920 --> 00:27:11,560
Speaker 1: Talk about talk about sign up bonuses versus getting rewarded

574
00:27:11,600 --> 00:27:13,320
Speaker 1: based on just the spending you're doing day in and

575
00:27:13,359 --> 00:27:16,400
Speaker 1: day out. And there's so much chatter, so much excitement,

576
00:27:16,440 --> 00:27:19,000
Speaker 1: so much of the time about oh, the sign up bonus,

577
00:27:19,080 --> 00:27:22,040
Speaker 1: the sixty thousand or the seventy five thousand or even

578
00:27:22,080 --> 00:27:26,159
Speaker 1: more sometimes points or whatever that I'm getting when I

579
00:27:26,320 --> 00:27:29,480
Speaker 1: actually get the credit card and meet that initial spending threshold.

580
00:27:29,800 --> 00:27:33,800
Speaker 1: How important is that versus just the regular spending you're

581
00:27:33,800 --> 00:27:36,600
Speaker 1: doing every day, day and day out and sticking it

582
00:27:36,720 --> 00:27:37,440
Speaker 1: on those.

583
00:27:37,280 --> 00:27:40,480
Speaker 4: Cards, so it's you know, it's a combination of the two.

584
00:27:40,560 --> 00:27:42,280
Speaker 4: So I don't want to say we aren't ever going

585
00:27:42,320 --> 00:27:44,320
Speaker 4: for the card bonuses, because you do need to do

586
00:27:44,359 --> 00:27:47,479
Speaker 4: that from time to time, but we really limit it.

587
00:27:47,520 --> 00:27:50,800
Speaker 4: We don't. The industry term is churning, which we don't

588
00:27:50,840 --> 00:27:54,600
Speaker 4: recommend at all. So that means constantly opening, closing, open,

589
00:27:54,640 --> 00:27:57,320
Speaker 4: and closing. So you do want to get as big

590
00:27:57,359 --> 00:27:59,840
Speaker 4: a bonus as you can. Of course, when you're first

591
00:28:00,080 --> 00:28:02,679
Speaker 4: opening these cards, you know that you might as well

592
00:28:03,160 --> 00:28:05,800
Speaker 4: rack up as many points as you can, and that

593
00:28:05,840 --> 00:28:08,240
Speaker 4: really comes into play when you're earning the companion pass.

594
00:28:08,880 --> 00:28:13,000
Speaker 4: You can get two card bonuses. Then you're close to

595
00:28:13,280 --> 00:28:15,120
Speaker 4: or all the way to the one hundred and thirty

596
00:28:15,160 --> 00:28:19,560
Speaker 4: five thousand points you need Companion Pass done, you know,

597
00:28:20,040 --> 00:28:22,119
Speaker 4: and you got one hundred and thirty five thousand points

598
00:28:22,160 --> 00:28:24,359
Speaker 4: to start you off, and then you want to get

599
00:28:24,359 --> 00:28:27,720
Speaker 4: a bonus on whatever your everyday spending card ends up being.

600
00:28:27,840 --> 00:28:29,720
Speaker 4: And you know, some people like the AMC system that

601
00:28:29,720 --> 00:28:32,240
Speaker 4: would be another example, or city they have a flexible

602
00:28:32,320 --> 00:28:36,879
Speaker 4: travel system. But after that you can just focus on

603
00:28:37,600 --> 00:28:42,840
Speaker 4: continuing to put your everyday spending on this flexible card

604
00:28:43,000 --> 00:28:44,880
Speaker 4: or some people work with two cards. You know, it

605
00:28:44,920 --> 00:28:47,360
Speaker 4: just depends on what you're up for. And we have

606
00:28:47,600 --> 00:28:50,920
Speaker 4: found so you know, I've been doing this with my

607
00:28:51,160 --> 00:28:54,440
Speaker 4: membership for we're on three years now and so we've

608
00:28:54,480 --> 00:28:56,880
Speaker 4: had hundreds of members go through this. When you follow

609
00:28:56,960 --> 00:29:00,560
Speaker 4: this system, I mean we have people saving five thousand,

610
00:29:00,640 --> 00:29:05,920
Speaker 4: eight thousand, ten twelve thousand dollars on travel just by

611
00:29:05,960 --> 00:29:11,080
Speaker 4: doing this. So it absolutely can be done without continuing

612
00:29:11,080 --> 00:29:13,600
Speaker 4: to add a bonus. And you know, another thing that's

613
00:29:13,640 --> 00:29:15,480
Speaker 4: part of my system is you do need We do

614
00:29:15,560 --> 00:29:18,040
Speaker 4: recommend you always have a companion pass. So that means

615
00:29:18,080 --> 00:29:19,800
Speaker 4: two years in the future you're going to need to

616
00:29:19,840 --> 00:29:22,160
Speaker 4: get another one and then you're going to get another

617
00:29:22,240 --> 00:29:24,080
Speaker 4: chunk of one hundred and thirty five thousand points. So

618
00:29:24,120 --> 00:29:27,320
Speaker 4: that helps too, you know, like keeps replenishing your balance

619
00:29:27,840 --> 00:29:29,120
Speaker 4: on top of your every day spending.

620
00:29:29,920 --> 00:29:32,400
Speaker 3: So okay, So is that a good reason. So let's

621
00:29:32,440 --> 00:29:35,080
Speaker 3: say you've got a partner, a spouse, is this a

622
00:29:35,160 --> 00:29:38,800
Speaker 3: good argument then for not adding them as an authorized

623
00:29:38,920 --> 00:29:43,440
Speaker 3: user to that card and instead having them apply for that,

624
00:29:43,760 --> 00:29:46,920
Speaker 3: say that Southwest card two years off into the future.

625
00:29:47,760 --> 00:29:49,360
Speaker 4: So yeah, So one thing we tell all of our

626
00:29:49,400 --> 00:29:54,040
Speaker 4: people is not to add spouses as authorized users. Now,

627
00:29:54,240 --> 00:29:59,400
Speaker 4: that doesn't prevent your partner or traveling companion, spouse, whatever

628
00:29:59,560 --> 00:30:03,160
Speaker 4: from getting that card themselves. So even if you didn't

629
00:30:03,200 --> 00:30:05,800
Speaker 4: know this and they're already an authorized user on your card,

630
00:30:05,880 --> 00:30:08,200
Speaker 4: that's okay. They can still get their own version of

631
00:30:08,200 --> 00:30:12,440
Speaker 4: that card. But going forward, we don't recommend doing that

632
00:30:12,560 --> 00:30:17,160
Speaker 4: because I don't think there's any need these days for that,

633
00:30:17,680 --> 00:30:20,959
Speaker 4: like unless you physically need to have the card, and

634
00:30:21,200 --> 00:30:24,200
Speaker 4: almost everywhere now takes Google Pay or Apple Pay and

635
00:30:24,240 --> 00:30:27,640
Speaker 4: you can just add it to your partner's Apple Pay

636
00:30:28,240 --> 00:30:29,400
Speaker 4: and pay for it that way.

637
00:30:29,520 --> 00:30:32,080
Speaker 1: If you need to use that card to have.

638
00:30:32,000 --> 00:30:34,880
Speaker 3: An actual separate device that allows you to make purchases

639
00:30:34,880 --> 00:30:35,960
Speaker 3: in person, right.

640
00:30:36,160 --> 00:30:37,520
Speaker 4: Yeah, Like if you need to put it on that

641
00:30:37,560 --> 00:30:39,840
Speaker 4: card and you don't physically have two of that card

642
00:30:39,920 --> 00:30:43,120
Speaker 4: because that person's not an authorized user, that's a way

643
00:30:43,160 --> 00:30:47,080
Speaker 4: around it. But again, like for Southwest, we're not recommending

644
00:30:47,080 --> 00:30:49,040
Speaker 4: you're putting your every day spending on that. You just

645
00:30:49,120 --> 00:30:50,920
Speaker 4: meet your minimum spend and then you move on from

646
00:30:50,960 --> 00:30:53,680
Speaker 4: that card occasionally, like if you really needed to have

647
00:30:53,720 --> 00:30:55,880
Speaker 4: your everyday spending card, both of you need to have that,

648
00:30:55,880 --> 00:30:58,120
Speaker 4: that would be the one to do. It on that

649
00:30:58,240 --> 00:31:01,560
Speaker 4: one every day spending card. You're flexible travel card if

650
00:31:01,600 --> 00:31:04,360
Speaker 4: you just I don't know Kroger doesn't have Apple pay

651
00:31:04,360 --> 00:31:07,040
Speaker 4: where I livery, I don't know why get with it Kroger.

652
00:31:08,240 --> 00:31:10,560
Speaker 4: But you know that would be an example where you

653
00:31:10,680 --> 00:31:11,560
Speaker 4: might both need to.

654
00:31:11,480 --> 00:31:11,920
Speaker 3: Have the card.

655
00:31:11,960 --> 00:31:14,840
Speaker 4: But the reason for this is we deal a lot

656
00:31:14,880 --> 00:31:18,320
Speaker 4: in the Chase system, and Chase limits you to five.

657
00:31:19,240 --> 00:31:21,760
Speaker 4: They won't approve you for any Chase cards if you've

658
00:31:21,800 --> 00:31:25,680
Speaker 4: opened five cards of any type in the last twenty

659
00:31:25,720 --> 00:31:28,120
Speaker 4: four months. So we see a lot of people you

660
00:31:28,160 --> 00:31:32,160
Speaker 4: know that have opened you know, Kohl's or Home Depot

661
00:31:32,360 --> 00:31:34,360
Speaker 4: or Old maybe that when you get sucked in at

662
00:31:34,360 --> 00:31:36,840
Speaker 4: the checkout and they're like open a car today and

663
00:31:36,840 --> 00:31:38,200
Speaker 4: you get fifteen percent off or.

664
00:31:38,120 --> 00:31:40,600
Speaker 1: Whatever the worst cards you can get.

665
00:31:40,600 --> 00:31:43,520
Speaker 4: Basically, yes, don't do that, but everyone makes that mistake

666
00:31:43,520 --> 00:31:45,160
Speaker 4: at some point, so you'll now you know now not

667
00:31:45,280 --> 00:31:48,520
Speaker 4: to do that, But that counts as one of your five. Basically,

668
00:31:48,600 --> 00:31:51,360
Speaker 4: it's limiting your ability to get travel cards down the road,

669
00:31:52,000 --> 00:31:55,160
Speaker 4: and so being an authorized user counts as one of

670
00:31:55,160 --> 00:31:58,080
Speaker 4: those five. So that's why you want to be careful

671
00:31:58,120 --> 00:32:00,239
Speaker 4: with that. You just don't want to limit yourself way

672
00:32:00,280 --> 00:32:02,160
Speaker 4: if it's not needed, kind.

673
00:32:02,000 --> 00:32:04,600
Speaker 1: Of like a real estate investor not having you know,

674
00:32:04,880 --> 00:32:08,040
Speaker 1: too many loans. If you get husband and wife together,

675
00:32:08,120 --> 00:32:10,600
Speaker 1: two people living on the same households a limit your

676
00:32:10,600 --> 00:32:14,600
Speaker 1: ability to get mortgages. It's yeah, getting complex yet, but

677
00:32:14,640 --> 00:32:16,400
Speaker 1: okay tell me this, Lynn. I want to know about

678
00:32:16,400 --> 00:32:20,360
Speaker 1: business credit cards, because that is you mentioned. Southwest has

679
00:32:20,400 --> 00:32:25,280
Speaker 1: some business credit cards and individuals can sometimes get business

680
00:32:25,320 --> 00:32:29,040
Speaker 1: credit cards. Are those something that people should be pursuing

681
00:32:29,920 --> 00:32:32,400
Speaker 1: instead of just personal cards? Is a little bit of

682
00:32:32,440 --> 00:32:34,720
Speaker 1: both or how do you how do you recommend people

683
00:32:34,920 --> 00:32:37,840
Speaker 1: use some of those those business cards specifically to help

684
00:32:37,840 --> 00:32:39,080
Speaker 1: them achieve these travel goals.

685
00:32:39,400 --> 00:32:43,520
Speaker 4: Yeah, I absolutely recommend business cards and realize there are

686
00:32:43,720 --> 00:32:46,120
Speaker 4: small business cards. So I think a lot of people

687
00:32:46,160 --> 00:32:48,000
Speaker 4: here business card and they think, well, I don't have

688
00:32:48,040 --> 00:32:50,400
Speaker 4: a corporation or I don't have an LLC, so I

689
00:32:50,440 --> 00:32:52,400
Speaker 4: don't I for sure don't qualify for that, and they

690
00:32:52,440 --> 00:32:55,640
Speaker 4: just don't even think about it ever again. And really

691
00:32:55,680 --> 00:32:57,920
Speaker 4: all that means is that you have any kind of

692
00:32:58,040 --> 00:33:01,959
Speaker 4: side income that's not salary income, So you know that

693
00:33:02,000 --> 00:33:04,440
Speaker 4: literally can it could be having real estate for sure.

694
00:33:04,480 --> 00:33:06,239
Speaker 4: I see a lot of people miss that or you know,

695
00:33:06,320 --> 00:33:10,240
Speaker 4: owning vacation rental or you know, it can be walking dogs,

696
00:33:10,240 --> 00:33:12,160
Speaker 4: it can be selling things on eBay. And we have

697
00:33:12,200 --> 00:33:15,200
Speaker 4: families who before they go to Disney, they have a

698
00:33:15,200 --> 00:33:17,800
Speaker 4: garage sale and sell their toys that they're not using

699
00:33:17,800 --> 00:33:20,000
Speaker 4: anymore and they use that to help fund, you know,

700
00:33:20,000 --> 00:33:22,920
Speaker 4: maybe buy souvenirs or whatever fund their Disney trip. That's

701
00:33:22,920 --> 00:33:27,520
Speaker 4: a legit side income that would qualify for a small business.

702
00:33:27,560 --> 00:33:30,280
Speaker 3: So I doesn't seem like a quote unquote Wall Street business,

703
00:33:31,240 --> 00:33:33,480
Speaker 3: but yes, it doesn't have to be exactly.

704
00:33:33,680 --> 00:33:33,920
Speaker 2: Yeah.

705
00:33:33,960 --> 00:33:36,640
Speaker 4: Yeah, that's the whole thing. And so if you don't

706
00:33:36,880 --> 00:33:39,360
Speaker 4: open your mind to that, you miss out on a

707
00:33:39,440 --> 00:33:42,560
Speaker 4: lot of potential travel savings because a lot of those

708
00:33:42,640 --> 00:33:45,960
Speaker 4: cards have the better offers. And so and we do

709
00:33:46,000 --> 00:33:48,720
Speaker 4: what the companion pass want to pair two cards and

710
00:33:48,760 --> 00:33:51,240
Speaker 4: you can only get one personal card. So you do

711
00:33:51,320 --> 00:33:54,600
Speaker 4: need to be open to getting a small business card.

712
00:33:54,360 --> 00:33:57,160
Speaker 4: They they are sometimes a little bit more strict on

713
00:33:57,560 --> 00:34:01,120
Speaker 4: their approvals, and so they will they might decline you

714
00:34:01,160 --> 00:34:04,120
Speaker 4: more often, but not for a reason like something's wrong

715
00:34:04,120 --> 00:34:07,280
Speaker 4: with your credit. I've just found that they tend to

716
00:34:07,360 --> 00:34:10,640
Speaker 4: chase in particular, I think does like a random check

717
00:34:10,760 --> 00:34:13,680
Speaker 4: and I think they just randomly decline a third of people,

718
00:34:13,760 --> 00:34:16,000
Speaker 4: and then they have you submit this paperwork and there's

719
00:34:16,040 --> 00:34:18,920
Speaker 4: an easy way around. It's not around it, but to

720
00:34:19,000 --> 00:34:22,719
Speaker 4: satisfy that requirement. Basically, then you're approved and then you

721
00:34:22,760 --> 00:34:26,680
Speaker 4: move on. And so everyone that we help get the

722
00:34:26,719 --> 00:34:28,760
Speaker 4: small business card has been able to get it unless

723
00:34:28,800 --> 00:34:31,480
Speaker 4: there would be some other like a credit issue or

724
00:34:31,520 --> 00:34:33,680
Speaker 4: something like that, or they are outside the five twenty

725
00:34:33,719 --> 00:34:35,280
Speaker 4: four or something to that effect.

726
00:34:35,400 --> 00:34:38,080
Speaker 3: Yeah, that's sometimes the case. Oftentimes that's the case, and

727
00:34:38,239 --> 00:34:40,279
Speaker 3: yet another reason why you need to be taken care of,

728
00:34:40,440 --> 00:34:41,880
Speaker 3: taking care of your credit score to make sure you

729
00:34:41,920 --> 00:34:43,880
Speaker 3: can apply for some of these better offerings that are

730
00:34:43,880 --> 00:34:44,400
Speaker 3: out there.

731
00:34:44,560 --> 00:34:45,560
Speaker 2: But awesome, I'm.

732
00:34:45,400 --> 00:34:48,279
Speaker 3: Glad that we've covered some of these specific cards. We'll

733
00:34:48,320 --> 00:34:50,320
Speaker 3: make sure to list some of these out for folks.

734
00:34:50,320 --> 00:34:52,040
Speaker 3: I feel like we've talked through a lot of details

735
00:34:52,400 --> 00:34:55,680
Speaker 3: regarding some of the different business cards, the different Southwest cards, but.

736
00:34:56,040 --> 00:34:58,080
Speaker 2: This is a great approach. Lynn.

737
00:34:58,400 --> 00:35:03,160
Speaker 3: I want to talk specifically about a destination Disney specifically

738
00:35:03,160 --> 00:35:06,040
Speaker 3: because there's been a lot of reports of just these

739
00:35:06,200 --> 00:35:10,120
Speaker 3: record low crowds at Disney lately. It seems like demained

740
00:35:10,400 --> 00:35:13,200
Speaker 3: is down because of that. Have you seen any deals

741
00:35:13,280 --> 00:35:16,960
Speaker 3: at either of the Disney resorts. Basically, I'm wondering if

742
00:35:16,960 --> 00:35:19,480
Speaker 3: now's a good time to book, because you were talking

743
00:35:19,520 --> 00:35:21,799
Speaker 3: earlier about you know, we're talking like the golden rule

744
00:35:21,840 --> 00:35:25,560
Speaker 3: of travel, right, letting the deal drive the destination. How

745
00:35:25,680 --> 00:35:28,839
Speaker 3: closely do you follow different trends like this that you

746
00:35:28,880 --> 00:35:31,000
Speaker 3: are seeing, in particular when it comes to a place

747
00:35:31,040 --> 00:35:31,560
Speaker 3: like Disney.

748
00:35:32,000 --> 00:35:36,239
Speaker 4: Well, I followed Disney very closely because I personally love

749
00:35:36,280 --> 00:35:38,880
Speaker 4: Disney and it's someplace again my family likes to go,

750
00:35:38,920 --> 00:35:41,120
Speaker 4: and I would say probably a third of our members

751
00:35:41,640 --> 00:35:45,279
Speaker 4: are interested in Disney. And I actually just to my

752
00:35:45,320 --> 00:35:50,480
Speaker 4: email list, but created a product that shows you how

753
00:35:50,520 --> 00:35:53,520
Speaker 4: to do Disney for free using travel rewards. So I

754
00:35:53,560 --> 00:35:57,840
Speaker 4: took the same approach I've done with travel rewards overall

755
00:35:58,000 --> 00:36:03,160
Speaker 4: a overwhelming, sometimes complicated lots of information and dialed it

756
00:36:03,200 --> 00:36:05,359
Speaker 4: into a simple process. I've kind of done the same

757
00:36:05,400 --> 00:36:09,439
Speaker 4: thing for Disney. So Disney, you know, I have seen

758
00:36:09,480 --> 00:36:11,759
Speaker 4: these things about crowds are down. I mean it's the

759
00:36:11,800 --> 00:36:14,000
Speaker 4: middle of summer. There as horrible.

760
00:36:14,239 --> 00:36:17,520
Speaker 3: I mean I wouldn't ever, as Joel knows, he's just there.

761
00:36:17,560 --> 00:36:20,040
Speaker 3: He's stay back in weeks down in Orlando. Well's house

762
00:36:20,120 --> 00:36:24,399
Speaker 3: was getting worked on. So yeah, June July in Orlando's not.

763
00:36:24,440 --> 00:36:27,560
Speaker 4: The best, no, And we have never gone during that

764
00:36:27,640 --> 00:36:30,560
Speaker 4: time period because we lived in South Carolina for a

765
00:36:30,600 --> 00:36:33,600
Speaker 4: minute and boy the heat, So yeah, we avoided it.

766
00:36:33,640 --> 00:36:35,080
Speaker 4: So I think a lot of people do avoid it

767
00:36:35,120 --> 00:36:37,640
Speaker 4: at this time of year because of that. And it's

768
00:36:37,719 --> 00:36:41,359
Speaker 4: become where Disney is more popular like almost every other

769
00:36:41,520 --> 00:36:44,000
Speaker 4: time of year, like we've been, I feel like in

770
00:36:44,040 --> 00:36:46,239
Speaker 4: every other month but summer, and there's just always packed.

771
00:36:46,760 --> 00:36:50,200
Speaker 4: So I don't really, in my personal opinion, think there's

772
00:36:50,239 --> 00:36:52,480
Speaker 4: going to be a downturn at Disney. But we'll see.

773
00:36:52,640 --> 00:36:55,680
Speaker 4: They are offering deals right now to book directly at

774
00:36:55,719 --> 00:36:58,440
Speaker 4: the resorts. You can get like twenty five to thirty

775
00:36:58,440 --> 00:37:01,319
Speaker 4: five percent off. I think it's uh. There's some like

776
00:37:01,680 --> 00:37:04,399
Speaker 4: late summer deals and then there's some like October through

777
00:37:04,400 --> 00:37:10,040
Speaker 4: December deals right now. But you can actually book Disney resorts,

778
00:37:10,080 --> 00:37:13,480
Speaker 4: you can book off property, you can book vacation rentals,

779
00:37:13,520 --> 00:37:15,799
Speaker 4: you can use travel rewards to do all of that.

780
00:37:16,640 --> 00:37:19,399
Speaker 4: It's literally as possible to do Disney for free now

781
00:37:20,120 --> 00:37:21,960
Speaker 4: from start to finish. Whether you'd want to do that,

782
00:37:22,000 --> 00:37:24,400
Speaker 4: you might want to use your travel rewards in other ways, Like,

783
00:37:24,520 --> 00:37:26,800
Speaker 4: I like to really focus on making sure all of

784
00:37:26,840 --> 00:37:28,920
Speaker 4: our flights are for free, and then if we can

785
00:37:28,960 --> 00:37:31,680
Speaker 4: get some free hotel stays on top of that, we'll

786
00:37:31,680 --> 00:37:34,399
Speaker 4: do some of that. But if you're a family just

787
00:37:34,480 --> 00:37:37,600
Speaker 4: wants to plan this amazing Disney vacation, you know you

788
00:37:37,600 --> 00:37:40,319
Speaker 4: could literally do it. You can get your dining free,

789
00:37:40,400 --> 00:37:41,880
Speaker 4: It's kind of nuts.

790
00:37:42,040 --> 00:37:43,719
Speaker 1: Can you get entrance into the park for free too?

791
00:37:43,840 --> 00:37:44,040
Speaker 4: Yes?

792
00:37:44,080 --> 00:37:46,560
Speaker 1: You can, Okay, tell me about that.

793
00:37:47,080 --> 00:37:49,799
Speaker 4: Yeah, So if you you can use you know, a

794
00:37:49,880 --> 00:37:53,560
Speaker 4: card that like the Capital one system that basically the

795
00:37:53,560 --> 00:37:57,000
Speaker 4: way it works is it lets you use the miles

796
00:37:57,000 --> 00:38:00,759
Speaker 4: that you've collected over there to pay for any travel expense.

797
00:38:01,960 --> 00:38:05,279
Speaker 4: So if you can get the park tickets to This

798
00:38:05,320 --> 00:38:07,440
Speaker 4: is a little bit in the details too, so sorry,

799
00:38:07,440 --> 00:38:12,240
Speaker 4: but to categorize like the merchant category to be travel. Normally,

800
00:38:12,280 --> 00:38:14,759
Speaker 4: if you buy direct from Disney, it's entertainment. That's how

801
00:38:14,800 --> 00:38:16,960
Speaker 4: it comes up. But if you buy through a travel

802
00:38:17,000 --> 00:38:22,000
Speaker 4: agent or a site like Undercover Tourist, that will.

803
00:38:21,760 --> 00:38:24,839
Speaker 3: Category as travel, and so then you can get your

804
00:38:24,880 --> 00:38:29,759
Speaker 3: points to count towards those purchases exactly, effectively erasing it.

805
00:38:31,960 --> 00:38:32,800
Speaker 2: That's good stuff.

806
00:38:33,080 --> 00:38:34,000
Speaker 1: Yeah, there's a lot.

807
00:38:33,880 --> 00:38:36,279
Speaker 4: Of little tips and tricks and hacks at Disney even

808
00:38:36,719 --> 00:38:39,120
Speaker 4: you know, on how to say, like I just was

809
00:38:39,360 --> 00:38:42,399
Speaker 4: did a webinar on most people think about, like how

810
00:38:42,400 --> 00:38:45,520
Speaker 4: do I cobble together all these little discounts. Well, you

811
00:38:45,560 --> 00:38:47,200
Speaker 4: can do that, I mean the big ones. I oh,

812
00:38:47,239 --> 00:38:48,960
Speaker 4: free water, you can go anywhere and get free water

813
00:38:49,000 --> 00:38:52,120
Speaker 4: at Disney, right, you can do that, or you can

814
00:38:52,200 --> 00:38:54,799
Speaker 4: learn how to just cover the whole thing in its

815
00:38:54,960 --> 00:38:58,439
Speaker 4: entirety with travel rewards, which just pales in comparison. Cause,

816
00:38:58,440 --> 00:39:00,880
Speaker 4: like the average cost right now to go to Disney

817
00:39:00,960 --> 00:39:03,279
Speaker 4: is on the cheap end forty eight hundred. On the

818
00:39:03,320 --> 00:39:06,759
Speaker 4: expensive end, this fur family for ten thousand dollars.

819
00:39:06,800 --> 00:39:07,560
Speaker 2: Wow, easily.

820
00:39:07,680 --> 00:39:09,000
Speaker 4: Yeah, that's a huge savings.

821
00:39:09,080 --> 00:39:12,120
Speaker 1: It's like cuponic for catchup versus doing travel rewards and jen.

822
00:39:12,239 --> 00:39:14,640
Speaker 3: Again, there are way more zeros at the end of

823
00:39:14,680 --> 00:39:18,000
Speaker 3: that Disney trip than Disney cookies.

824
00:39:19,080 --> 00:39:21,680
Speaker 4: It does more and more expensive, so the need to

825
00:39:21,760 --> 00:39:24,800
Speaker 4: figure out a way to make it doable is becoming

826
00:39:25,360 --> 00:39:26,680
Speaker 4: more and more important, you.

827
00:39:26,600 --> 00:39:27,719
Speaker 2: Know, sure that's right?

828
00:39:27,800 --> 00:39:29,680
Speaker 3: Yeah, Well, okay, so we're gonna We've got a few

829
00:39:29,719 --> 00:39:32,560
Speaker 3: more questions for you, specifically regarding I guess some of

830
00:39:32,600 --> 00:39:35,160
Speaker 3: the other ways that folks can vacation other places that

831
00:39:35,200 --> 00:39:37,359
Speaker 3: they might want to fly too, and we will get

832
00:39:37,400 --> 00:39:43,320
Speaker 3: to those questions right after this break.

833
00:39:49,239 --> 00:39:51,160
Speaker 1: We're back from the break. We're still talking with Lynn

834
00:39:51,360 --> 00:39:56,480
Speaker 1: Mettler about family travel for free. And Lynn, Matt and

835
00:39:56,520 --> 00:39:59,239
Speaker 1: I we were just remarking the other day about this

836
00:39:59,280 --> 00:40:00,920
Speaker 1: new cruise ship that just launched. I don't know if

837
00:40:00,920 --> 00:40:03,080
Speaker 1: you saw it. It's called Icon of the Seas. It's

838
00:40:03,120 --> 00:40:06,600
Speaker 1: got twenty decks something. I mean, it looks like a

839
00:40:06,640 --> 00:40:09,040
Speaker 1: city floating on the water. It looks like a Disney

840
00:40:09,040 --> 00:40:12,480
Speaker 1: theme park, like smushed onto a boat. Basically, basically, it's

841
00:40:12,600 --> 00:40:16,200
Speaker 1: kind of preposterous. But speaking when we saw that, we

842
00:40:16,239 --> 00:40:18,920
Speaker 1: were like, well, well, let's ask Lynn about getting a deal

843
00:40:19,000 --> 00:40:21,960
Speaker 1: on a cruise or cruising for free. I know a

844
00:40:22,000 --> 00:40:24,600
Speaker 1: lot of people you specialize in flying hotels, day stuff

845
00:40:24,640 --> 00:40:25,920
Speaker 1: like that, but what about cruises, Like, do you have

846
00:40:25,960 --> 00:40:28,279
Speaker 1: any tips for people who want to get out on

847
00:40:28,320 --> 00:40:31,000
Speaker 1: the water, And yeah, that's the way they prefer to travel.

848
00:40:31,040 --> 00:40:33,160
Speaker 4: So I'm not a cruiser, but a lot of my

849
00:40:33,640 --> 00:40:37,319
Speaker 4: followers are, and so we do talk about cruising. There

850
00:40:37,400 --> 00:40:40,200
Speaker 4: aren't a ton of great ways to save on a cruise.

851
00:40:40,280 --> 00:40:42,800
Speaker 4: You can kind of use my trick there on Disney

852
00:40:42,880 --> 00:40:46,040
Speaker 4: to pay for a cruise and use a card like

853
00:40:46,080 --> 00:40:49,200
Speaker 4: that that erases travel purchases. That would be a way

854
00:40:49,480 --> 00:40:51,759
Speaker 4: that you could go at it, you know. And there's

855
00:40:51,800 --> 00:40:54,839
Speaker 4: other things about like certain times of year that are

856
00:40:54,960 --> 00:40:58,880
Speaker 4: better to book cruises than others. But Disney cruises are

857
00:40:58,960 --> 00:41:03,959
Speaker 4: very expensive as well but popular, So a cruising isn't

858
00:41:04,000 --> 00:41:07,080
Speaker 4: my favorite thing to do. It's nice in that you

859
00:41:07,120 --> 00:41:08,760
Speaker 4: get to see a lot of places in a short

860
00:41:08,760 --> 00:41:11,600
Speaker 4: amount of time, but I don't know. We like more

861
00:41:11,640 --> 00:41:14,479
Speaker 4: of the We like about every other kind of trip

862
00:41:14,480 --> 00:41:16,560
Speaker 4: except for except for a cruise.

863
00:41:16,600 --> 00:41:17,759
Speaker 1: That's our one thing that we don't know.

864
00:41:17,960 --> 00:41:21,239
Speaker 2: Len's I've never done, yeah either, but.

865
00:41:21,800 --> 00:41:23,400
Speaker 4: Good people watching, I'll say.

866
00:41:23,200 --> 00:41:25,920
Speaker 1: That I feel like it would be I've only partially.

867
00:41:25,960 --> 00:41:27,279
Speaker 1: There's a couple I'd love to do. I want to

868
00:41:27,280 --> 00:41:28,759
Speaker 1: do an Alaskan cruise some day because I hear you

869
00:41:28,800 --> 00:41:30,560
Speaker 1: can get views of Alaska that you can't get from

870
00:41:30,560 --> 00:41:33,200
Speaker 1: them from the mainland. But for the most part, I'm

871
00:41:33,239 --> 00:41:34,000
Speaker 1: not interested either.

872
00:41:34,440 --> 00:41:37,200
Speaker 4: Yeah, European River cruise. That one's also would be of

873
00:41:37,200 --> 00:41:38,960
Speaker 4: interest to me. Haven't done that yet, but I think

874
00:41:39,000 --> 00:41:41,200
Speaker 4: that would be good on a small boat.

875
00:41:41,160 --> 00:41:43,360
Speaker 3: So Okay, so we're talking about cruises. Are there some

876
00:41:43,440 --> 00:41:47,200
Speaker 3: other from a trends standpoint? Have you seen or noticed

877
00:41:47,600 --> 00:41:50,480
Speaker 3: deals when it comes to different destinations, like, for instance,

878
00:41:50,600 --> 00:41:52,400
Speaker 3: seen some different headlines as well as far as more

879
00:41:52,440 --> 00:41:55,600
Speaker 3: folks going to Europe. Everyone's done the local US thing

880
00:41:55,800 --> 00:41:58,319
Speaker 3: after the pandemic. Everyone's got their road trips in, they've

881
00:41:58,320 --> 00:42:01,760
Speaker 3: seen all the national parks. Is travel to Europe more expensive?

882
00:42:01,920 --> 00:42:04,120
Speaker 3: Is it more affordable now to go down to the Caribbean?

883
00:42:04,440 --> 00:42:05,640
Speaker 3: Have you noticed anything like that?

884
00:42:05,960 --> 00:42:09,680
Speaker 4: Well, I mean, europe prices are through the roof right now.

885
00:42:09,760 --> 00:42:12,920
Speaker 4: So the average flight to Europe is twelve hundred dollars,

886
00:42:13,120 --> 00:42:17,920
Speaker 4: and you know it's we were just in Paris, but

887
00:42:18,239 --> 00:42:20,960
Speaker 4: it's definitely it's bursting at the seams in places like

888
00:42:21,120 --> 00:42:24,960
Speaker 4: Rome and Venice and Paris and all of that. Like

889
00:42:25,040 --> 00:42:28,480
Speaker 4: I think everyone this summer went international. So I keep

890
00:42:28,480 --> 00:42:32,080
Speaker 4: reading stories about Airbnb suffering because they're not having as

891
00:42:32,080 --> 00:42:36,560
Speaker 4: many bookings because everyone's overseas right now. You know, national

892
00:42:36,640 --> 00:42:40,239
Speaker 4: parks have been, you know, continually at capacity. We have

893
00:42:40,360 --> 00:42:42,920
Speaker 4: started to avoid those now because you have to have

894
00:42:42,960 --> 00:42:45,200
Speaker 4: so many reservations and even when you go like I

895
00:42:45,200 --> 00:42:46,920
Speaker 4: feel like we're on hikes and we're like backing up

896
00:42:46,920 --> 00:42:49,359
Speaker 4: against rocks to let people through, and that's not what

897
00:42:49,400 --> 00:42:51,880
Speaker 4: you want. The whole idea is to be out in

898
00:42:52,000 --> 00:42:54,600
Speaker 4: nature and get away. So I'm kind of ready for

899
00:42:54,960 --> 00:42:57,160
Speaker 4: that to kind of slow down, you know, people to

900
00:42:57,200 --> 00:43:01,319
Speaker 4: get over hitting all these major national parks. But I mean,

901
00:43:01,360 --> 00:43:03,880
Speaker 4: in terms of deals, I try to look at where

902
00:43:04,000 --> 00:43:07,560
Speaker 4: is everybody not going right now? So like I always

903
00:43:07,560 --> 00:43:10,200
Speaker 4: talk about spring break because everyone wants to go to

904
00:43:10,280 --> 00:43:13,080
Speaker 4: Florida or the Caribbean. Because I live in Indiana. It

905
00:43:13,120 --> 00:43:16,000
Speaker 4: gets cold here. We've about had it by January, you know,

906
00:43:17,200 --> 00:43:19,160
Speaker 4: but we try, and so we're like, please, we need

907
00:43:19,200 --> 00:43:21,520
Speaker 4: to get somewhere warm. But what we've done in the

908
00:43:21,560 --> 00:43:23,600
Speaker 4: past is like it's just expensive to go anywhere in

909
00:43:23,600 --> 00:43:26,200
Speaker 4: Florida or anything over spring break is like one year

910
00:43:26,239 --> 00:43:29,920
Speaker 4: we went to Utah and we did hike you know,

911
00:43:30,040 --> 00:43:33,640
Speaker 4: Zion and Bryce Canyon because it was warm enough there

912
00:43:33,680 --> 00:43:35,760
Speaker 4: that we could do it, and then there was nobody there.

913
00:43:36,440 --> 00:43:38,880
Speaker 4: So if you can kind of take that approach of

914
00:43:39,719 --> 00:43:43,439
Speaker 4: going where everybody else is not thinking of going, that's

915
00:43:43,440 --> 00:43:46,239
Speaker 4: a way you can score you know, some better deals.

916
00:43:46,719 --> 00:43:50,080
Speaker 1: Okay, is it possible to get deals on Airbnbs like

917
00:43:50,120 --> 00:43:53,360
Speaker 1: to pay little to nothing for an Airbnb stand. It

918
00:43:53,360 --> 00:43:56,560
Speaker 1: seems like it's easier for hotels because you can book

919
00:43:56,600 --> 00:43:59,880
Speaker 1: them through something like the Capitol One or Chase Portal

920
00:44:00,480 --> 00:44:03,799
Speaker 1: or you know, they even have hotel specific cards like

921
00:44:03,840 --> 00:44:07,880
Speaker 1: the Intercontinental Hotel Group Premier Card or something like that,

922
00:44:07,920 --> 00:44:10,360
Speaker 1: which can be pretty rewarding. But so it seems like

923
00:44:10,400 --> 00:44:12,760
Speaker 1: it's easier to get free hotel stays. But what about

924
00:44:12,920 --> 00:44:14,960
Speaker 1: staying free at Airbnb? Is that possible?

925
00:44:15,320 --> 00:44:18,040
Speaker 4: So you can you can use again that the trick.

926
00:44:17,920 --> 00:44:19,680
Speaker 2: Of a travel expense.

927
00:44:20,840 --> 00:44:24,000
Speaker 4: Okay, be very careful over there, because I think Airbnb

928
00:44:24,520 --> 00:44:29,840
Speaker 4: codes as travel and traditionally like Verbo and some of

929
00:44:29,840 --> 00:44:32,640
Speaker 4: the others did not. Now just I had a one

930
00:44:32,680 --> 00:44:35,840
Speaker 4: of my team members she booked a Verbo in the

931
00:44:35,920 --> 00:44:38,680
Speaker 4: last couple months, and hers did categorize as travel. But

932
00:44:39,760 --> 00:44:42,319
Speaker 4: you just kind of never know for sure how that's

933
00:44:42,320 --> 00:44:44,560
Speaker 4: going to categorize. Airbnb seems to be a safe one

934
00:44:44,560 --> 00:44:47,719
Speaker 4: that you can use. And also when it comes to

935
00:44:47,800 --> 00:44:51,640
Speaker 4: hotel stays, like flying free is the easiest of it all.

936
00:44:52,680 --> 00:44:55,000
Speaker 4: You can just fly a whole lot more places for

937
00:44:55,040 --> 00:44:57,360
Speaker 4: free than you will ever be able to stay for free.

938
00:44:57,719 --> 00:45:00,160
Speaker 4: So when I have people that, like, I don't want

939
00:45:00,160 --> 00:45:02,040
Speaker 4: people to think they're always going to be able to

940
00:45:02,080 --> 00:45:04,479
Speaker 4: stay for free. You should be able to get some

941
00:45:04,880 --> 00:45:09,160
Speaker 4: free hotel stays, but not always. And like in Families

942
00:45:09,160 --> 00:45:11,759
Speaker 4: fly Free, we try to teach people not just how

943
00:45:12,120 --> 00:45:14,920
Speaker 4: to get flights free and stay free, but how to

944
00:45:15,000 --> 00:45:17,839
Speaker 4: save on the whole trip. Because even if we can

945
00:45:17,880 --> 00:45:19,759
Speaker 4: fly free six times a year, there's a lot of

946
00:45:19,800 --> 00:45:22,719
Speaker 4: other expenses that come with that, like car rentals and

947
00:45:22,760 --> 00:45:26,000
Speaker 4: eating out and the activities. So we try to show

948
00:45:26,040 --> 00:45:27,799
Speaker 4: people here's how to get the best deal on a

949
00:45:27,840 --> 00:45:30,480
Speaker 4: car rental, and or we talk about renting other people's

950
00:45:30,480 --> 00:45:33,120
Speaker 4: time shares as a good option where you're out of

951
00:45:33,160 --> 00:45:36,880
Speaker 4: pocket but it's very cheap. So that could be an

952
00:45:36,880 --> 00:45:39,600
Speaker 4: alternative to booking end points at a hotel and you

953
00:45:39,640 --> 00:45:42,000
Speaker 4: get you know, the space of a vacation rental.

954
00:45:42,120 --> 00:45:43,719
Speaker 1: You know, can I can I ask where you would

955
00:45:43,760 --> 00:45:46,200
Speaker 1: book somebody's timeshare? Would that be like through vacation dot

956
00:45:46,200 --> 00:45:47,120
Speaker 1: com or something like that.

957
00:45:47,640 --> 00:45:51,440
Speaker 4: Well, you can do that. The better thing to do

958
00:45:51,520 --> 00:45:53,759
Speaker 4: is if you can find someone to work direct with.

959
00:45:53,880 --> 00:45:55,439
Speaker 4: So like we let our members, we have a lot

960
00:45:55,480 --> 00:45:58,320
Speaker 4: of timeshare members in there, like with Wyndham and Marriott

961
00:45:58,320 --> 00:46:01,279
Speaker 4: and Disney Vacation Club which I'm remember of to And

962
00:46:01,320 --> 00:46:03,120
Speaker 4: so if you can work direct with someone, you cut

963
00:46:03,120 --> 00:46:05,440
Speaker 4: out the middleman because they're going to take their cut,

964
00:46:05,680 --> 00:46:10,000
Speaker 4: right sure, So like Koala is a site I'm trying

965
00:46:10,000 --> 00:46:11,920
Speaker 4: to think with the other there's another big one out

966
00:46:11,920 --> 00:46:14,000
Speaker 4: there that you can do time shares, but it's more

967
00:46:14,040 --> 00:46:17,520
Speaker 4: expensive that way because they're taking their middleman cut. So

968
00:46:17,520 --> 00:46:20,360
Speaker 4: if you can there's like Facebook groups and some different ways,

969
00:46:20,440 --> 00:46:23,319
Speaker 4: or if you just know someone that you can work

970
00:46:23,360 --> 00:46:26,120
Speaker 4: directly with, that's a way you can really score a deal.

971
00:46:26,160 --> 00:46:28,799
Speaker 4: And you can't use points for that one, but it'll

972
00:46:28,840 --> 00:46:29,640
Speaker 4: be cheap, you know.

973
00:46:30,719 --> 00:46:31,239
Speaker 2: Now that's great.

974
00:46:31,320 --> 00:46:33,320
Speaker 3: Yeah, again, just another way to kind of think outside

975
00:46:33,400 --> 00:46:36,920
Speaker 3: the box and avoid doing whatever it is that everybody

976
00:46:36,920 --> 00:46:39,800
Speaker 3: else is doing. Whether that's the destination like Europe, certainly

977
00:46:39,840 --> 00:46:41,839
Speaker 3: avoid that right now. But also when it comes to

978
00:46:41,880 --> 00:46:45,240
Speaker 3: maybe your lodging wherever it is that you're looking to stay.

979
00:46:45,560 --> 00:46:47,520
Speaker 3: But Lynn, one last question here for you, like, what

980
00:46:47,520 --> 00:46:50,200
Speaker 3: do you think are some of the just honestly the

981
00:46:50,239 --> 00:46:53,680
Speaker 3: biggest mistakes that folks make when they are trying to

982
00:46:53,719 --> 00:46:55,839
Speaker 3: travel for free? Right, So this isn't just the folks

983
00:46:55,840 --> 00:46:58,160
Speaker 3: who are out there just say Okay, I'm gonna go

984
00:46:58,160 --> 00:46:59,640
Speaker 3: on vacation, I'm going to book it. But folks who

985
00:46:59,680 --> 00:47:02,040
Speaker 3: are actually trying to do it on the cheap, folks

986
00:47:02,080 --> 00:47:04,120
Speaker 3: who are trying to find find those different deals, what

987
00:47:04,160 --> 00:47:06,799
Speaker 3: mistakes are those folks making and how is it they

988
00:47:06,840 --> 00:47:08,520
Speaker 3: can avoid this pitfalls?

989
00:47:09,280 --> 00:47:12,160
Speaker 4: Well, when it comes to travel rewards, I think people

990
00:47:12,320 --> 00:47:15,000
Speaker 4: learn about this concept and they're like, oh my gosh,

991
00:47:15,000 --> 00:47:17,920
Speaker 4: this is amazing, Like I did this same thing right,

992
00:47:17,960 --> 00:47:21,080
Speaker 4: And so you're like, you see all these card offers

993
00:47:21,080 --> 00:47:23,279
Speaker 4: out there and they have a limited time, Like and

994
00:47:23,400 --> 00:47:26,120
Speaker 4: I got sucked into like an American Airlines one, right,

995
00:47:26,600 --> 00:47:28,480
Speaker 4: but I had no plan for how I was going

996
00:47:28,560 --> 00:47:30,680
Speaker 4: to use those miles, didn't know anything about it. I

997
00:47:30,719 --> 00:47:33,640
Speaker 4: was like, oh, that's that's high bonus and it's going away.

998
00:47:34,239 --> 00:47:38,439
Speaker 4: And so I think the mistake is not having a plan. Right.

999
00:47:38,480 --> 00:47:40,279
Speaker 4: You need to figure out where you want to go

1000
00:47:40,480 --> 00:47:43,400
Speaker 4: and and how how many points and in what system

1001
00:47:43,440 --> 00:47:46,640
Speaker 4: do you need to get there, and then you can decide, Okay,

1002
00:47:46,680 --> 00:47:49,640
Speaker 4: then what cards do I want to add into the system,

1003
00:47:50,040 --> 00:47:52,200
Speaker 4: Because that's how you end up with all these extra

1004
00:47:52,239 --> 00:47:55,680
Speaker 4: cards that you that get overwhelming and confusing. You know,

1005
00:47:55,920 --> 00:48:00,840
Speaker 4: is when you're just don't have a strategy right randomly

1006
00:48:00,840 --> 00:48:02,360
Speaker 4: taking offer. So I think that's a big one. And

1007
00:48:02,440 --> 00:48:04,279
Speaker 4: the other one that I would tell everyone to make

1008
00:48:04,280 --> 00:48:07,320
Speaker 4: sure you're not doing is is putting all your spinning

1009
00:48:07,320 --> 00:48:09,800
Speaker 4: on an airline card. I just see that one over

1010
00:48:09,960 --> 00:48:13,439
Speaker 4: and over and over and over again, and just that

1011
00:48:13,600 --> 00:48:17,920
Speaker 4: little shift to a flexible card can make a huge

1012
00:48:17,960 --> 00:48:23,120
Speaker 4: difference in your ability to be a lot more flexible

1013
00:48:23,120 --> 00:48:24,520
Speaker 4: and earn a whole lot more points.

1014
00:48:25,239 --> 00:48:27,480
Speaker 1: Len, that's awesome. Thank you so much for taking the time.

1015
00:48:27,520 --> 00:48:29,799
Speaker 1: Thanks for all the advice and the tips today. We

1016
00:48:29,840 --> 00:48:32,759
Speaker 1: really appreciate it. How can how do money listeners find

1017
00:48:32,760 --> 00:48:34,480
Speaker 1: out more about you and what you're up to?

1018
00:48:35,080 --> 00:48:38,200
Speaker 4: Sure, so you can go to familiesflyfree dot com and

1019
00:48:38,560 --> 00:48:41,320
Speaker 4: pretty much everywhere on social media. We are just Families

1020
00:48:41,320 --> 00:48:44,680
Speaker 4: fly Free, So I'm particularly on Instagram and YouTube. Those

1021
00:48:44,680 --> 00:48:46,560
Speaker 4: are probably my top two places. If you want to

1022
00:48:46,680 --> 00:48:48,280
Speaker 4: check us out there, awesome.

1023
00:48:48,320 --> 00:48:50,480
Speaker 3: We will make sure to link to that and all

1024
00:48:50,560 --> 00:48:52,359
Speaker 3: that you've got to offer. Lynn, thank you so much

1025
00:48:52,360 --> 00:48:53,800
Speaker 3: for joining us today on the podcast.

1026
00:48:54,239 --> 00:48:55,399
Speaker 4: Thank you appreciate it.

1027
00:48:55,920 --> 00:48:59,440
Speaker 2: We appreciate Linn, don't we Joel, Yes, we do. Manus,

1028
00:48:59,680 --> 00:49:01,719
Speaker 2: So I feel.

1029
00:49:01,480 --> 00:49:05,440
Speaker 3: Like Lynn was able to put into perspective travel rewards

1030
00:49:05,480 --> 00:49:09,160
Speaker 3: and traveling for free in a way that we in

1031
00:49:09,160 --> 00:49:11,000
Speaker 3: a way that we quite haven't been able to decipher

1032
00:49:11,040 --> 00:49:12,240
Speaker 3: maybe from previous guests.

1033
00:49:12,600 --> 00:49:12,719
Speaker 2: Uh.

1034
00:49:12,920 --> 00:49:15,640
Speaker 3: And so my big takeaway is gonna be just kind

1035
00:49:15,640 --> 00:49:18,200
Speaker 3: of how she boiled it all down to a very

1036
00:49:18,200 --> 00:49:20,880
Speaker 3: simple approach, and she kind of, I guess hit on

1037
00:49:20,920 --> 00:49:22,799
Speaker 3: it again there at the end as far as sort

1038
00:49:22,800 --> 00:49:26,319
Speaker 3: of the biggest pitfall to avoid is that people start

1039
00:49:26,400 --> 00:49:29,440
Speaker 3: chasing some of these rewards without a plan, right, without

1040
00:49:29,440 --> 00:49:31,560
Speaker 3: a system. And she actually said to kind of choose

1041
00:49:31,560 --> 00:49:32,200
Speaker 3: to think.

1042
00:49:32,080 --> 00:49:34,680
Speaker 1: Of like someone running at three mile race or something

1043
00:49:34,680 --> 00:49:36,720
Speaker 1: like that, if you call out in the first two miles, sorry,

1044
00:49:36,719 --> 00:49:38,359
Speaker 1: it doesn't matter how big of a lead you built up.

1045
00:49:38,480 --> 00:49:41,680
Speaker 1: If you're exhausted, then then you're gonna lose. Or in reality,

1046
00:49:41,719 --> 00:49:43,520
Speaker 1: if you don't even know that you're running a five

1047
00:49:43,640 --> 00:49:46,640
Speaker 1: k but it turns out, oh shoot, this is a marathon. Yeah,

1048
00:49:46,640 --> 00:49:49,080
Speaker 1: it's a it's a completely different approach. And she said

1049
00:49:49,080 --> 00:49:50,560
Speaker 1: to kind of figure out where it is that you're

1050
00:49:50,560 --> 00:49:52,399
Speaker 1: want to fly, but you don't always know. I guess

1051
00:49:52,440 --> 00:49:54,239
Speaker 1: where it is that you're gonna fly, and you don't

1052
00:49:54,239 --> 00:49:56,279
Speaker 1: always know where the deals are gonna be. But then

1053
00:49:56,280 --> 00:49:59,239
Speaker 1: she followed that up with find a system, figure out

1054
00:49:59,239 --> 00:50:01,480
Speaker 1: a system that's gonna wor for you. And that's I

1055
00:50:01,520 --> 00:50:04,239
Speaker 1: think what's so great about how she approaches this and

1056
00:50:04,320 --> 00:50:07,719
Speaker 1: to specifically get that companion pass with Southwest, how that

1057
00:50:07,760 --> 00:50:10,800
Speaker 1: can essentially knock out eighty percent of your cost right there,

1058
00:50:11,080 --> 00:50:14,080
Speaker 1: your ability to fly I mean Southwest. They don't only

1059
00:50:14,160 --> 00:50:16,880
Speaker 1: fly in the US, but also up in what Canada,

1060
00:50:17,040 --> 00:50:20,400
Speaker 1: some Mexico destinations to the Caribbean, can't get to Paris,

1061
00:50:20,480 --> 00:50:22,759
Speaker 1: can't get everywhere. But that that'll at least for a

1062
00:50:22,800 --> 00:50:26,120
Speaker 1: lot of domestic stuff and for the best deals on

1063
00:50:26,200 --> 00:50:29,919
Speaker 1: domestic airfare, Southwest is going to be And it's somebody

1064
00:50:29,960 --> 00:50:31,600
Speaker 1: less point. You're gonna use so many less of the

1065
00:50:31,600 --> 00:50:33,720
Speaker 1: points that you earned. Yes, when you fly on Southwest

1066
00:50:33,920 --> 00:50:35,200
Speaker 1: with some of the other air does a math.

1067
00:50:35,239 --> 00:50:38,320
Speaker 3: It's like you're talking about maybe five flights for every

1068
00:50:38,719 --> 00:50:41,920
Speaker 3: one Delta flight, and so how much is flying with

1069
00:50:42,000 --> 00:50:45,160
Speaker 3: delton Hey, we're here in Atlanta, right, so we're like Delta.

1070
00:50:45,160 --> 00:50:48,359
Speaker 3: Homer's here. We like Delta. They're a great company. But

1071
00:50:48,960 --> 00:50:52,319
Speaker 3: is it worth five times Is it worth paying five

1072
00:50:52,320 --> 00:50:55,279
Speaker 3: times more effectively in points? Would you rather take four

1073
00:50:55,280 --> 00:50:57,359
Speaker 3: more flights in addition to that one. Maybe that's what

1074
00:50:57,400 --> 00:50:59,560
Speaker 3: it is that you're looking for. Ultimately comes down to

1075
00:50:59,560 --> 00:51:01,680
Speaker 3: whatever it is that you're playing. But I really liked

1076
00:51:01,719 --> 00:51:05,399
Speaker 3: her approach, specifically focusing on Southwest and figuring that out

1077
00:51:05,440 --> 00:51:07,800
Speaker 3: and then figuring out your destinations from there.

1078
00:51:07,640 --> 00:51:10,080
Speaker 1: And then yeah, like you said, filling in the nooks

1079
00:51:10,080 --> 00:51:12,600
Speaker 1: and crannies. What's that flexible car english muff, And how

1080
00:51:12,600 --> 00:51:15,120
Speaker 1: when you spread the butter over the top, that butter's

1081
00:51:15,120 --> 00:51:16,640
Speaker 1: going to seep intose bocks and crannies. And that's what

1082
00:51:16,680 --> 00:51:18,759
Speaker 1: those other cards are for the Capitol One Venture X

1083
00:51:18,760 --> 00:51:21,080
Speaker 1: and the Chase Saffire Preferred. So if you just kind

1084
00:51:21,080 --> 00:51:23,920
Speaker 1: of take that three or four card strategy that she's mentioning,

1085
00:51:24,239 --> 00:51:25,920
Speaker 1: you can get a lot of your bases covered, and

1086
00:51:25,960 --> 00:51:28,759
Speaker 1: you can travel a lot for free, even if you

1087
00:51:28,840 --> 00:51:31,440
Speaker 1: have a family, which I think rocks, so absolutely. We'll

1088
00:51:31,480 --> 00:51:33,000
Speaker 1: link to some of those, by the way, the show notes,

1089
00:51:33,040 --> 00:51:34,960
Speaker 1: we'll link to our credit card tool as well, which

1090
00:51:35,000 --> 00:51:36,680
Speaker 1: can help you see what the best sign up bonuses

1091
00:51:36,719 --> 00:51:38,960
Speaker 1: are on each of these cards. Although that's right, that's

1092
00:51:39,000 --> 00:51:41,120
Speaker 1: not even the only thing worth considering, but it is

1093
00:51:41,200 --> 00:51:42,919
Speaker 1: worth considering that at the same time. Are My big

1094
00:51:42,920 --> 00:51:45,319
Speaker 1: takeaway though from Lynn was let me hear it, She's

1095
00:51:45,440 --> 00:51:47,080
Speaker 1: it was kind of a mindset thing at the very beginning.

1096
00:51:47,120 --> 00:51:49,200
Speaker 1: She said, my approach is how much can I get

1097
00:51:49,200 --> 00:51:51,719
Speaker 1: for how little? And to me that is kind of

1098
00:51:51,800 --> 00:51:54,760
Speaker 1: uh got you written all over it. She's not necessarily

1099
00:51:54,800 --> 00:51:57,960
Speaker 1: looking for the cheapest piece of crap, which I used

1100
00:51:58,000 --> 00:52:00,640
Speaker 1: to be more in that kind of vein that mentality,

1101
00:52:00,800 --> 00:52:03,840
Speaker 1: but she's a value used and she's saying, listen, I

1102
00:52:03,920 --> 00:52:05,600
Speaker 1: want to take the same trip, or maybe even a

1103
00:52:05,600 --> 00:52:07,719
Speaker 1: better trip than most people get to take, but I

1104
00:52:07,760 --> 00:52:11,839
Speaker 1: don't want to spend my cold hard cash on that trip.

1105
00:52:11,840 --> 00:52:13,680
Speaker 1: And I thought it was amazing too. She doesn't come

1106
00:52:13,719 --> 00:52:15,920
Speaker 1: from this place where she was already traveling, but now

1107
00:52:15,920 --> 00:52:19,520
Speaker 1: she's saving. This process enabled her to travel and do

1108
00:52:19,640 --> 00:52:22,480
Speaker 1: things she never thought were even possible. So I think

1109
00:52:22,480 --> 00:52:24,040
Speaker 1: that's pretty cool and that you'd been inspiring to a

1110
00:52:24,080 --> 00:52:25,719
Speaker 1: lot of people out there who are like I too,

1111
00:52:25,840 --> 00:52:28,160
Speaker 1: wish I could travel, but it doesn't seem like there's

1112
00:52:28,200 --> 00:52:30,400
Speaker 1: any way for me to make that happen. And I

1113
00:52:30,440 --> 00:52:32,560
Speaker 1: think her simple strategy can help a lot of people

1114
00:52:32,600 --> 00:52:34,840
Speaker 1: get out there and see the country and even see

1115
00:52:35,200 --> 00:52:38,719
Speaker 1: the world while still kind of keeping a pretty good

1116
00:52:38,719 --> 00:52:41,479
Speaker 1: budget and saving and investing a good bit of their money.

1117
00:52:41,560 --> 00:52:41,719
Speaker 2: Yeah.

1118
00:52:41,800 --> 00:52:44,000
Speaker 3: Yeah, you could either drastically cut back on your travel

1119
00:52:44,040 --> 00:52:45,960
Speaker 3: budget and travel just as much as you were before,

1120
00:52:46,360 --> 00:52:49,680
Speaker 3: or you could continue spending how much you have been

1121
00:52:49,680 --> 00:52:52,160
Speaker 3: spending and just see a you know, and do and

1122
00:52:52,200 --> 00:52:54,840
Speaker 3: travel a lot more. It kind of again depends on

1123
00:52:55,000 --> 00:52:57,760
Speaker 3: what your situation is and how much money you're willing

1124
00:52:57,800 --> 00:53:01,600
Speaker 3: to put towards travel. But Joel's mentioned the beer that

1125
00:53:01,640 --> 00:53:04,560
Speaker 3: you and I got to share during this episode. This

1126
00:53:04,600 --> 00:53:07,839
Speaker 3: is another halfway Crooks beer. And I think the way

1127
00:53:07,960 --> 00:53:11,280
Speaker 3: that you say this is CHA said DJ, so literally

1128
00:53:11,360 --> 00:53:15,680
Speaker 3: says that on that side, you're supposed to say it

1129
00:53:15,719 --> 00:53:18,640
Speaker 3: as Chase the DJ. But so this is an Italian

1130
00:53:18,719 --> 00:53:23,000
Speaker 3: style pilsner, and it's Cha, said D I DJ like

1131
00:53:23,120 --> 00:53:24,919
Speaker 3: not DJ yah, it's like Chase a DJ.

1132
00:53:25,160 --> 00:53:30,240
Speaker 2: Yeah almost. Oh what does that mean? I forget season

1133
00:53:30,239 --> 00:53:30,480
Speaker 2: the day.

1134
00:53:30,600 --> 00:53:33,040
Speaker 1: My Spanish is rosy, So this is I guess in Italian.

1135
00:53:33,120 --> 00:53:35,160
Speaker 1: But if only we were drinking it on the Amalfi

1136
00:53:35,200 --> 00:53:36,640
Speaker 1: Coast or something like that, that would be great.

1137
00:53:36,719 --> 00:53:38,719
Speaker 3: If only we had a way of figuring out how

1138
00:53:38,760 --> 00:53:41,160
Speaker 3: to get there, fly there, for free what we do.

1139
00:53:41,440 --> 00:53:44,480
Speaker 3: But this is the kind of beer that I want

1140
00:53:44,480 --> 00:53:47,200
Speaker 3: to be drinking while I'm enjoying a nice pizza, like

1141
00:53:47,239 --> 00:53:51,600
Speaker 3: a Neapolitana style. Right, So you got that brick or

1142
00:53:51,640 --> 00:53:54,480
Speaker 3: a not brick oven, but but a wood burning oven,

1143
00:53:54,520 --> 00:53:56,399
Speaker 3: and they've got the pizza in there. They're rotating it around,

1144
00:53:56,560 --> 00:53:58,600
Speaker 3: maybe a little bit of spice. Because of that, you

1145
00:53:58,680 --> 00:54:02,439
Speaker 3: need just a nice, cold, but very clean drinking beer.

1146
00:54:02,600 --> 00:54:04,239
Speaker 1: That's what you get with this in I p A.

1147
00:54:04,360 --> 00:54:07,399
Speaker 1: You don't want the like the no massive hot punch

1148
00:54:07,480 --> 00:54:09,839
Speaker 1: to come right after that massive pizza punch. You want

1149
00:54:09,880 --> 00:54:12,200
Speaker 1: something a little more dialed back. This is exactly that.

1150
00:54:12,400 --> 00:54:14,880
Speaker 1: This did have flavor though, like it wasn't flavorless like

1151
00:54:14,920 --> 00:54:17,040
Speaker 1: a lot of the macro style pills ners.

1152
00:54:17,120 --> 00:54:17,480
Speaker 2: This one.

1153
00:54:17,520 --> 00:54:20,440
Speaker 1: This had a lot going on, unlike the macro pilsners

1154
00:54:20,480 --> 00:54:23,520
Speaker 1: that most people just like water, Yeah, just like sweat

1155
00:54:23,560 --> 00:54:25,879
Speaker 1: or whatever. It taste like your uncle used to smell, right,

1156
00:54:25,920 --> 00:54:29,960
Speaker 1: and so this is glad you follow that up. This

1157
00:54:30,040 --> 00:54:33,840
Speaker 1: is much more refined than the traditional pilsner you're.

1158
00:54:33,760 --> 00:54:36,239
Speaker 3: Used to, the macro produced Italian so it's kind of

1159
00:54:36,280 --> 00:54:38,239
Speaker 3: got that Euro pills flavor. I don't know how to

1160
00:54:38,239 --> 00:54:41,240
Speaker 3: describe it like, well, maybe I do. Like it reminds

1161
00:54:41,280 --> 00:54:44,720
Speaker 3: me of like the fresh garden hose or fresh popping

1162
00:54:44,760 --> 00:54:47,000
Speaker 3: open a fresh can of tennis balls, sort of like that.

1163
00:54:47,760 --> 00:54:50,880
Speaker 3: Maybe that like that slight rubberiness that wine drinkers that

1164
00:54:50,920 --> 00:54:52,280
Speaker 3: you sometimes you get with like a reasling.

1165
00:54:52,920 --> 00:54:54,680
Speaker 2: I think that's accurate. I don't know if.

1166
00:54:54,719 --> 00:54:56,520
Speaker 3: I don't know if the if the wine part is accurate,

1167
00:54:56,520 --> 00:54:59,320
Speaker 3: but that sort of rubber element is totally what I taste.

1168
00:54:59,360 --> 00:55:01,719
Speaker 3: But yeah, I totally agree this. You don't want to

1169
00:55:01,800 --> 00:55:04,239
Speaker 3: drink of super flavorful beer. Like the last thing you

1170
00:55:04,239 --> 00:55:08,480
Speaker 3: want is a barrel aged spicy stout or something like

1171
00:55:08,520 --> 00:55:10,880
Speaker 3: that when you're eating a pizza or honestly any food.

1172
00:55:10,960 --> 00:55:13,759
Speaker 1: I rarely drink great beers when I'm eating great No, no,

1173
00:55:14,200 --> 00:55:15,480
Speaker 1: if I am, I want it after the fact.

1174
00:55:15,560 --> 00:55:18,479
Speaker 3: It's something really basic. I tend to enjoy my beers

1175
00:55:18,480 --> 00:55:20,640
Speaker 3: either before dinner or after I eat.

1176
00:55:20,719 --> 00:55:22,359
Speaker 2: Yeah, just like you. So it makes a lot of sense.

1177
00:55:22,600 --> 00:55:25,320
Speaker 1: Otherwise you're losing some of the greatness and the flavor

1178
00:55:25,360 --> 00:55:27,160
Speaker 1: of that beer, totally getting lost in the food.

1179
00:55:27,239 --> 00:55:28,960
Speaker 3: That's right, yep, So glad you and I got to

1180
00:55:29,040 --> 00:55:31,120
Speaker 3: enjoy this one and I'm glad that we got to

1181
00:55:31,360 --> 00:55:34,319
Speaker 3: chat with our friend Lynn Metler today. Will make sure

1182
00:55:34,360 --> 00:55:36,880
Speaker 3: to link to not only her site and where you

1183
00:55:36,880 --> 00:55:41,279
Speaker 3: can check out her membership program, the Famili's fly Free group.

1184
00:55:41,400 --> 00:55:44,239
Speaker 3: She's got an awesome cohort there. But we'll link to

1185
00:55:44,280 --> 00:55:46,600
Speaker 3: some of the specific cards that we mentioned as well,

1186
00:55:46,640 --> 00:55:49,320
Speaker 3: so that you can start along this path of taking

1187
00:55:49,440 --> 00:55:51,400
Speaker 3: advantage of some of the different travel rewards that these

1188
00:55:51,440 --> 00:55:54,280
Speaker 3: cards are offering. Jill, I really do see more travel

1189
00:55:54,320 --> 00:55:56,319
Speaker 3: in our future. I think you do as well, and

1190
00:55:56,480 --> 00:55:58,040
Speaker 3: I think a large part of that is going to

1191
00:55:58,120 --> 00:56:00,360
Speaker 3: be because of how it is that Lynn approaches travel.

1192
00:56:00,400 --> 00:56:00,560
Speaker 2: Yeah.

1193
00:56:00,600 --> 00:56:02,319
Speaker 3: I just don't want to pay for it, right, so, Yeah,

1194
00:56:02,400 --> 00:56:04,280
Speaker 3: and I don't have to think about it too much exactly.

1195
00:56:04,520 --> 00:56:05,640
Speaker 3: That's the other half of that. I don't want to

1196
00:56:05,920 --> 00:56:07,799
Speaker 3: complicate it too much. And some of the guys, some

1197
00:56:07,800 --> 00:56:10,239
Speaker 3: of the influencers out there, definitely do that Lind does not.

1198
00:56:10,400 --> 00:56:11,960
Speaker 3: So all right, Matt, that's going to do it for

1199
00:56:12,000 --> 00:56:14,480
Speaker 3: this episode. You can find show notes, links to some

1200
00:56:14,560 --> 00:56:16,560
Speaker 3: of the cards we mentioned, links to Lind's site. Will

1201
00:56:16,600 --> 00:56:18,520
Speaker 3: put all that up on the website at how to

1202
00:56:18,600 --> 00:56:20,880
Speaker 3: money dot com. That's right, buddy, So that's gonna be

1203
00:56:20,880 --> 00:56:21,759
Speaker 3: it until next time.

1204
00:56:21,880 --> 00:56:24,040
Speaker 2: Best friends out, best friends out,