1 00:00:00,120 --> 00:00:03,040 Speaker 1: Welcome to How the Money. I'm Joel and I am 2 00:00:03,240 --> 00:00:07,480 Speaker 1: Matt and today we're talking free family travel with Lynn Mettler. 3 00:00:26,840 --> 00:00:28,920 Speaker 2: That's right. Yeah, so Joel, you and I we both 4 00:00:28,960 --> 00:00:32,519 Speaker 2: have pretty big families and our youngest kids they're growing up, 5 00:00:32,760 --> 00:00:35,360 Speaker 2: so we are finally at the stage where traveling with 6 00:00:35,360 --> 00:00:39,360 Speaker 2: the entire family it's becoming more of a possibility. So honestly, 7 00:00:39,440 --> 00:00:42,360 Speaker 2: like we've got a vested interest in today's conversation with 8 00:00:42,400 --> 00:00:46,400 Speaker 2: our guest, Lynn Mettler of Families Fly Free. She's got 9 00:00:46,400 --> 00:00:48,879 Speaker 2: a sight in the podcast. She's been featured on The 10 00:00:48,880 --> 00:00:52,040 Speaker 2: Today Show, on US News and World Report as a 11 00:00:52,320 --> 00:00:56,319 Speaker 2: long time travel journalist. And Lynn she takes her own 12 00:00:56,360 --> 00:00:59,160 Speaker 2: medicine as well. She and her family they travel and 13 00:00:59,200 --> 00:01:03,400 Speaker 2: they fly for free about six times every single year. 14 00:01:03,720 --> 00:01:06,920 Speaker 2: Doesn't sound like it's it's even possible, So we're excited 15 00:01:06,959 --> 00:01:09,720 Speaker 2: to learn all of her secrets. Lynn, thank you for 16 00:01:09,800 --> 00:01:11,200 Speaker 2: joining us today on the podcast. 17 00:01:11,640 --> 00:01:13,000 Speaker 3: Sure, thanks for inviting me. 18 00:01:13,360 --> 00:01:14,959 Speaker 1: Oh yeah, we're gonna get a lot of secrets out 19 00:01:14,959 --> 00:01:18,520 Speaker 1: of you today. Len. All right, let's go all right, Well, 20 00:01:18,520 --> 00:01:20,560 Speaker 1: the first question we ask anyone who comes on the 21 00:01:20,600 --> 00:01:23,480 Speaker 1: show is what their craft beer equivalent is and what 22 00:01:23,520 --> 00:01:25,600 Speaker 1: we mean by that, Matt and I we spend more 23 00:01:25,600 --> 00:01:28,320 Speaker 1: on craft beer than the average person would think is sane, 24 00:01:29,040 --> 00:01:32,000 Speaker 1: but we do it joyfully because we really like a 25 00:01:32,000 --> 00:01:34,080 Speaker 1: good beer now and again. But what is that in 26 00:01:34,120 --> 00:01:36,560 Speaker 1: your life? Is there something that you spend more on? 27 00:01:36,720 --> 00:01:39,440 Speaker 1: And most people would say, Lynn, that's crazy, Like how 28 00:01:39,440 --> 00:01:41,039 Speaker 1: do you how do you fit that into your budget? 29 00:01:41,080 --> 00:01:41,800 Speaker 1: What is that for you? 30 00:01:42,520 --> 00:01:45,440 Speaker 3: Gosh? I mean a couple things, definitely, Like I'm a 31 00:01:45,440 --> 00:01:48,040 Speaker 3: book lover, so I don't I don't limit my budget 32 00:01:48,080 --> 00:01:50,720 Speaker 3: on book buying. That would be one area I think. 33 00:01:51,000 --> 00:01:53,200 Speaker 3: But I think when it comes to travel, while we're 34 00:01:53,240 --> 00:01:55,800 Speaker 3: going to be timing about how to fly for free, 35 00:01:55,880 --> 00:01:58,640 Speaker 3: stay for free, all that good stuff today, what we 36 00:01:58,680 --> 00:02:01,240 Speaker 3: found is when you learn how to do that, then 37 00:02:01,320 --> 00:02:04,360 Speaker 3: you can splurge on other parts of your trip that 38 00:02:04,440 --> 00:02:07,760 Speaker 3: you might not have otherwise because you say, you didn'tay 39 00:02:07,800 --> 00:02:09,639 Speaker 3: anything to fly there, and maybe you're staying for free 40 00:02:09,960 --> 00:02:12,360 Speaker 3: so you can do excursions, or maybe you eat like 41 00:02:12,360 --> 00:02:15,040 Speaker 3: a fancy restaurant, or you do a VIP tour at 42 00:02:15,080 --> 00:02:17,760 Speaker 3: Disney something like that that you would never ever have 43 00:02:17,840 --> 00:02:20,960 Speaker 3: done because you have the money to do it because 44 00:02:21,000 --> 00:02:25,080 Speaker 3: you saved so much. So like recently, we were just 45 00:02:25,120 --> 00:02:25,560 Speaker 3: in Paris. 46 00:02:25,639 --> 00:02:26,919 Speaker 2: Yeah, give me an example, I want to hear it. 47 00:02:27,040 --> 00:02:31,120 Speaker 3: Yeah, and so like we did a private tour of 48 00:02:31,160 --> 00:02:34,320 Speaker 3: the castles of the Loire Valley because I'd always wanted 49 00:02:34,320 --> 00:02:36,200 Speaker 3: to do that. That's been a bucket list thing for me, 50 00:02:36,320 --> 00:02:39,280 Speaker 3: to see those beautiful French castles. And so that was 51 00:02:39,320 --> 00:02:41,680 Speaker 3: an example because we on that trip, we covered our 52 00:02:41,680 --> 00:02:42,960 Speaker 3: hotel and our flights. 53 00:02:43,000 --> 00:02:43,960 Speaker 2: So I love it. 54 00:02:44,520 --> 00:02:45,480 Speaker 1: I would totally do that. 55 00:02:45,800 --> 00:02:48,200 Speaker 2: Yeah, I wouldn't just be looking to cut back and 56 00:02:48,280 --> 00:02:51,720 Speaker 2: eliminate that cost altogether. But how can I not only 57 00:02:52,040 --> 00:02:54,000 Speaker 2: do this maybe for yeah, a little more fortaly, but 58 00:02:54,040 --> 00:02:57,480 Speaker 2: then kind of come out maybe even but by exposing 59 00:02:57,480 --> 00:03:01,160 Speaker 2: myself to just just a vastly superior, much better trip 60 00:03:01,160 --> 00:03:04,200 Speaker 2: overall experience, Ye, still coming out less than the average 61 00:03:04,200 --> 00:03:06,720 Speaker 2: person spends for not as cool as a trip. 62 00:03:07,720 --> 00:03:10,080 Speaker 3: That's exactly it. Yes, you can have a way better 63 00:03:10,080 --> 00:03:12,040 Speaker 3: trip and still spend less for it than you would 64 00:03:12,040 --> 00:03:13,680 Speaker 3: on a very average trip. 65 00:03:14,000 --> 00:03:16,160 Speaker 2: Yeah, Like, what is it that pushed you down this 66 00:03:16,280 --> 00:03:18,799 Speaker 2: path to begin with? Because obviously you teach others now 67 00:03:18,840 --> 00:03:21,760 Speaker 2: about how to fly for free. You've got a membership 68 00:03:21,800 --> 00:03:24,280 Speaker 2: the cohort that folks can join and will certainly point 69 00:03:24,400 --> 00:03:26,200 Speaker 2: folks towards that at the end of the episode. But 70 00:03:26,320 --> 00:03:29,160 Speaker 2: was it just a desire to travel more that led 71 00:03:29,240 --> 00:03:32,760 Speaker 2: you down this path of learning all about flying for free? 72 00:03:33,120 --> 00:03:36,280 Speaker 3: Well, I think I didn't even think travel was a 73 00:03:36,320 --> 00:03:39,520 Speaker 3: possibility for us. I really never gave that much thought. 74 00:03:39,560 --> 00:03:41,920 Speaker 3: I was like, well, we just can't afford that, so 75 00:03:42,120 --> 00:03:44,840 Speaker 3: maybe in our wildest dreams, someday we'll be able to 76 00:03:44,960 --> 00:03:48,200 Speaker 3: travel more. But I was really a coup on er, 77 00:03:48,600 --> 00:03:51,560 Speaker 3: so I think I have this mindset of how much 78 00:03:51,640 --> 00:03:54,840 Speaker 3: can I get for how little? And as you said, 79 00:03:54,840 --> 00:03:57,200 Speaker 3: I was a long time travel journalist, and so I 80 00:03:57,240 --> 00:03:59,360 Speaker 3: got pitched a story one day of this couple who 81 00:03:59,720 --> 00:04:03,080 Speaker 3: was flying all over the world for free on Frequent 82 00:04:03,120 --> 00:04:06,560 Speaker 3: Flyer miles. But what got me was they weren't earning 83 00:04:06,600 --> 00:04:09,880 Speaker 3: those miles by paying for flights. And that was kind 84 00:04:09,920 --> 00:04:12,080 Speaker 3: of a light bulb moment for me because my dad 85 00:04:12,160 --> 00:04:14,600 Speaker 3: was a business traveler and I knew he earned frequent 86 00:04:14,600 --> 00:04:18,039 Speaker 3: Flyer miles flying Delta out of Atlanta, right, but it 87 00:04:18,080 --> 00:04:20,760 Speaker 3: was because he paid for those flights, and so they 88 00:04:20,760 --> 00:04:23,480 Speaker 3: were doing they were earning miles without paying for flights. 89 00:04:23,520 --> 00:04:25,920 Speaker 3: So that's where I was like, well, that's interesting. Maybe 90 00:04:26,120 --> 00:04:28,800 Speaker 3: I could kind of like couponing. You know, you're like 91 00:04:28,839 --> 00:04:32,280 Speaker 3: collecting miles, just like you're collecting coupons, and you're you're 92 00:04:32,320 --> 00:04:35,200 Speaker 3: using him to pay for flights. And what a much 93 00:04:35,240 --> 00:04:40,400 Speaker 3: better return than saving fifty cents or whatever five dollars 94 00:04:40,440 --> 00:04:44,200 Speaker 3: here or there on groceries. But maybe I could figure 95 00:04:44,200 --> 00:04:47,960 Speaker 3: out a way that we could fly on these miles 96 00:04:48,000 --> 00:04:50,080 Speaker 3: and start to travel. So then I just decided to 97 00:04:50,560 --> 00:04:53,840 Speaker 3: figure that out. And you know, it took me a 98 00:04:53,839 --> 00:04:57,360 Speaker 3: couple of years to kind of narrow down a process 99 00:04:57,360 --> 00:05:00,720 Speaker 3: that worked for us that wasn't crazy time I'm consuming 100 00:05:00,800 --> 00:05:04,839 Speaker 3: or overwhelming. And then we started this flying six times 101 00:05:04,839 --> 00:05:08,279 Speaker 3: a year for free wherever we wanted in the US 102 00:05:08,400 --> 00:05:11,920 Speaker 3: and the Caribbean and Europe. And so I just decide, 103 00:05:11,920 --> 00:05:13,920 Speaker 3: I need to tell other people how to do this 104 00:05:13,920 --> 00:05:17,839 Speaker 3: this process that I've figured out. It's pretty simple and 105 00:05:17,880 --> 00:05:18,960 Speaker 3: it works, you know. 106 00:05:19,360 --> 00:05:23,159 Speaker 1: Well, And let's be honest, epic trips, six awesome trips 107 00:05:23,160 --> 00:05:25,760 Speaker 1: a year. That's way better than like discounted catch up 108 00:05:26,880 --> 00:05:29,520 Speaker 1: so much better. The reward, the potty gold at the 109 00:05:29,600 --> 00:05:31,240 Speaker 1: end of the rainbow, is just so much richer. 110 00:05:31,320 --> 00:05:33,359 Speaker 2: The zero's at the end of the number when it 111 00:05:33,360 --> 00:05:35,360 Speaker 2: comes to the savings, is are much more. 112 00:05:35,480 --> 00:05:37,560 Speaker 1: Yeah, all right, Lynn, how many kids do you have? 113 00:05:37,839 --> 00:05:40,040 Speaker 1: And please tell us, like, where have you guys been 114 00:05:40,080 --> 00:05:42,800 Speaker 1: able to travel thanks to these reward points? And yeah, 115 00:05:42,800 --> 00:05:44,560 Speaker 1: I don't know. I'm just curious how far has this 116 00:05:44,640 --> 00:05:45,039 Speaker 1: gotten you. 117 00:05:45,680 --> 00:05:49,000 Speaker 3: So I have two boys and they are now fifteen 118 00:05:49,040 --> 00:05:51,840 Speaker 3: and nineteen, so I have one in college, so they're 119 00:05:51,920 --> 00:05:53,640 Speaker 3: starting to kind of get to the age where they're 120 00:05:53,720 --> 00:05:56,760 Speaker 3: less interested in traveling. So I always encourage people to 121 00:05:57,560 --> 00:06:00,680 Speaker 3: do it while your kids are at home, make those 122 00:06:00,720 --> 00:06:03,719 Speaker 3: memories while you you know, are all there together and 123 00:06:03,760 --> 00:06:05,320 Speaker 3: they still want to go and they're not, you know, 124 00:06:05,440 --> 00:06:06,840 Speaker 3: just want to hang out with their friends all the time. 125 00:06:07,480 --> 00:06:09,000 Speaker 1: Aude yep. 126 00:06:09,600 --> 00:06:11,920 Speaker 3: Or they had to get off their devices when you're 127 00:06:12,000 --> 00:06:14,560 Speaker 3: driving and looking at something beautiful, cush darn it, you 128 00:06:14,600 --> 00:06:20,080 Speaker 3: know that kind of stuff. But so I would say, 129 00:06:20,200 --> 00:06:22,600 Speaker 3: I mean, if we're we've been doing this for I 130 00:06:22,640 --> 00:06:26,200 Speaker 3: guess eight years now, and I think we've already flown 131 00:06:26,279 --> 00:06:28,320 Speaker 3: six times this year. I think this might be a 132 00:06:28,360 --> 00:06:31,359 Speaker 3: record breaking year for us, you know, the one we 133 00:06:31,400 --> 00:06:33,200 Speaker 3: first kind of figured out how to do this for 134 00:06:33,240 --> 00:06:36,440 Speaker 3: free around the US, and then we branched out and 135 00:06:36,520 --> 00:06:39,919 Speaker 3: did Grand Cayman. That was our first trip to the Caribbean, 136 00:06:40,320 --> 00:06:42,479 Speaker 3: and we've done a lot of like national parks. We 137 00:06:42,520 --> 00:06:44,920 Speaker 3: love Disney, so we go there frequently. We love the 138 00:06:45,000 --> 00:06:48,960 Speaker 3: Rocky Mountains, so we love to go to Colorado, California, 139 00:06:49,800 --> 00:06:52,080 Speaker 3: love Utah. There's so many great places in the United 140 00:06:52,080 --> 00:06:55,039 Speaker 3: States to see. But I'd always wanted to go to 141 00:06:55,080 --> 00:06:57,880 Speaker 3: Europe and I had been once, but my family had 142 00:06:57,920 --> 00:07:00,359 Speaker 3: never been. And again I just thought, well, this is 143 00:07:00,400 --> 00:07:03,719 Speaker 3: not something we'll ever be able to do. Like I 144 00:07:03,720 --> 00:07:06,480 Speaker 3: would read under the Tuscan Son and just be like, oh, 145 00:07:06,560 --> 00:07:08,680 Speaker 3: I'm never going to get to see couscany you know. 146 00:07:09,840 --> 00:07:11,600 Speaker 3: But so we did this for a couple of years 147 00:07:11,680 --> 00:07:13,840 Speaker 3: and then I figured out how, okay, how we could 148 00:07:13,880 --> 00:07:15,760 Speaker 3: make this work for Europe, and we took all of 149 00:07:15,840 --> 00:07:18,800 Speaker 3: us to Europe and we did you know, Paris, and 150 00:07:18,840 --> 00:07:21,320 Speaker 3: we did Italy and we got to see you know, 151 00:07:21,400 --> 00:07:24,000 Speaker 3: like show the kids. They got to see the Mona Lisa, 152 00:07:24,080 --> 00:07:25,960 Speaker 3: and they got to see the Statue of David and 153 00:07:26,000 --> 00:07:28,400 Speaker 3: they you know, all these things that they're learning about 154 00:07:28,440 --> 00:07:31,320 Speaker 3: in school. I just thought was amazing that they actually 155 00:07:31,360 --> 00:07:32,800 Speaker 3: got to see them firsthand. 156 00:07:33,280 --> 00:07:34,120 Speaker 1: It's pretty cool. 157 00:07:34,320 --> 00:07:36,040 Speaker 3: We bored them a little bit like we stayed over 158 00:07:36,040 --> 00:07:37,600 Speaker 3: there for three weeks and then got tired of looking 159 00:07:37,640 --> 00:07:41,760 Speaker 3: at churches. But anyway, it was it was certainly an 160 00:07:41,760 --> 00:07:43,440 Speaker 3: amazing trip. And then we've kind of realized that we 161 00:07:43,440 --> 00:07:45,280 Speaker 3: can now go back to Europe like once a year, 162 00:07:45,320 --> 00:07:48,640 Speaker 3: once every other year with our system of collecting miles. 163 00:07:48,800 --> 00:07:51,000 Speaker 2: I love it. Well, okay, so before we kind of 164 00:07:51,000 --> 00:07:54,560 Speaker 2: dive into the logistics of flying for free, Lynn, what 165 00:07:54,600 --> 00:07:56,280 Speaker 2: do you tell folks, just like right out of the 166 00:07:56,280 --> 00:07:59,680 Speaker 2: gate about using credit cards and how these strategies can 167 00:08:00,120 --> 00:08:04,280 Speaker 2: packed their credit. Because yes, if you're only focusing on 168 00:08:04,440 --> 00:08:07,200 Speaker 2: just the end goal of traveling, it's like, oh well, 169 00:08:07,720 --> 00:08:10,200 Speaker 2: if that's the prize, if that's the goal, then I'm 170 00:08:10,200 --> 00:08:12,040 Speaker 2: going to do whatever it takes. But of course we 171 00:08:12,120 --> 00:08:16,280 Speaker 2: are holistic individuals, Like we take a holistic approach when 172 00:08:16,280 --> 00:08:17,600 Speaker 2: it comes to your money. You want to make sure 173 00:08:17,600 --> 00:08:19,720 Speaker 2: that you are handling your personal finance as well. So 174 00:08:19,760 --> 00:08:23,360 Speaker 2: I'm curious because just a lot of the strategies involve 175 00:08:23,520 --> 00:08:25,920 Speaker 2: using some of the different cards, how do you approach 176 00:08:25,960 --> 00:08:29,119 Speaker 2: that balance of taking care of your credit while also 177 00:08:29,240 --> 00:08:30,800 Speaker 2: trying to reap some of the rewards that you can 178 00:08:30,840 --> 00:08:31,880 Speaker 2: get from those cards. 179 00:08:33,040 --> 00:08:35,800 Speaker 3: Well, First of all, the way my process of doing 180 00:08:35,840 --> 00:08:39,080 Speaker 3: this involves just a couple of credit cards, so I'm 181 00:08:39,160 --> 00:08:42,760 Speaker 3: sort of anti have a wallet full of cards and 182 00:08:42,920 --> 00:08:45,760 Speaker 3: constantly be opening cards to get the bonus on it. 183 00:08:45,760 --> 00:08:49,000 Speaker 3: That there seems to be a prevailing wisdom out there 184 00:08:49,040 --> 00:08:52,440 Speaker 3: that that's how you do travel rewards, and you don't 185 00:08:52,520 --> 00:08:54,800 Speaker 3: have to do it that way. It's a lot harder 186 00:08:54,840 --> 00:08:57,880 Speaker 3: that way, and you get confused with what you owe 187 00:08:57,960 --> 00:09:00,360 Speaker 3: on what card and all these annual fees, and then 188 00:09:00,400 --> 00:09:03,520 Speaker 3: you can get into trouble. Right, so we've mapped it out. 189 00:09:03,520 --> 00:09:07,440 Speaker 3: It's really comes down to understanding the right cards to 190 00:09:07,520 --> 00:09:10,000 Speaker 3: put your day to day spending on. That's the key 191 00:09:10,080 --> 00:09:13,240 Speaker 3: versus let me constantly be getting a new card and 192 00:09:13,320 --> 00:09:15,240 Speaker 3: meeting the minimum spend and getting a big bonus. But 193 00:09:16,040 --> 00:09:19,959 Speaker 3: of course we always encourage people to be responsible with 194 00:09:20,080 --> 00:09:24,120 Speaker 3: credit cards. I have been in credit card debt myself, 195 00:09:24,200 --> 00:09:26,120 Speaker 3: so I know what that's like and trying to get 196 00:09:26,160 --> 00:09:27,800 Speaker 3: out of that. So we don't want you to do 197 00:09:27,840 --> 00:09:31,560 Speaker 3: this if you know yourself and you can't pay that 198 00:09:31,600 --> 00:09:34,959 Speaker 3: balance off. What I always recommend to people is you know, 199 00:09:34,960 --> 00:09:37,280 Speaker 3: if you're using it for your everyday spending, so you're 200 00:09:37,440 --> 00:09:39,760 Speaker 3: charging your groceries. Then I like to just go in 201 00:09:39,800 --> 00:09:43,200 Speaker 3: and pay that the next day, because then there's no 202 00:09:43,280 --> 00:09:46,480 Speaker 3: difference in me using my debit card and having those 203 00:09:46,480 --> 00:09:49,440 Speaker 3: groceries come out immediately then there is for me using 204 00:09:49,480 --> 00:09:50,959 Speaker 3: the credit card where I'm going to pay it right 205 00:09:50,960 --> 00:09:52,880 Speaker 3: off the next day. It still came out of my 206 00:09:53,080 --> 00:09:56,480 Speaker 3: checking account, so covered, I'm not stuck with a bill 207 00:09:56,480 --> 00:09:57,720 Speaker 3: at the end of the month that I don't have 208 00:09:57,880 --> 00:10:00,560 Speaker 3: enough money in the bank to cover. And I know 209 00:10:00,640 --> 00:10:04,199 Speaker 3: you guys aren't one hundred percent fans of Dave Ramsey 210 00:10:04,240 --> 00:10:08,800 Speaker 3: and his you know, all of his recommendations, and I 211 00:10:08,920 --> 00:10:13,400 Speaker 3: just I hate that there's this again prevailing wisdom out 212 00:10:13,400 --> 00:10:18,640 Speaker 3: there that credit cards are bad. Yeah, and we need 213 00:10:18,679 --> 00:10:20,880 Speaker 3: to realize credit cards are just neutral. 214 00:10:21,880 --> 00:10:24,880 Speaker 1: How we use just a tool exactly, Yeah. 215 00:10:24,440 --> 00:10:26,800 Speaker 3: That's good or bad. So if we can use them 216 00:10:26,840 --> 00:10:28,679 Speaker 3: for good and we can understand how to use them 217 00:10:28,720 --> 00:10:32,280 Speaker 3: for good and how to use them responsibly, man, you 218 00:10:32,360 --> 00:10:35,960 Speaker 3: can save a lot, you know. So I just wish 219 00:10:35,960 --> 00:10:39,360 Speaker 3: there wasn't just this blanket statement we should never use 220 00:10:39,400 --> 00:10:41,600 Speaker 3: a credit card ever. You know, certainly we don't want 221 00:10:41,640 --> 00:10:43,000 Speaker 3: to be in debt, and of course you want to 222 00:10:43,000 --> 00:10:45,560 Speaker 3: get yourself out of credit card debt first before you 223 00:10:45,600 --> 00:10:48,880 Speaker 3: would engage in anything like this. But yeah, I just 224 00:10:48,880 --> 00:10:51,079 Speaker 3: think that as a society we need to re examine 225 00:10:51,400 --> 00:10:52,040 Speaker 3: that statement. 226 00:10:52,520 --> 00:10:54,600 Speaker 1: Yeah, okay, So Matt and I we talk about travel 227 00:10:54,600 --> 00:10:57,680 Speaker 1: cards sometimes since we talk about cash back cards. I 228 00:10:57,679 --> 00:11:00,360 Speaker 1: guess you mentioned, oh, shopping at the grocery store, and 229 00:11:00,400 --> 00:11:02,760 Speaker 1: we like the Amex Blue cash preferred shopping at the 230 00:11:02,760 --> 00:11:04,920 Speaker 1: grocery store to the six percent back, and it's it's 231 00:11:04,920 --> 00:11:07,880 Speaker 1: a straight up cash back sort of play. But you 232 00:11:08,280 --> 00:11:10,000 Speaker 1: are all about the travel, that is the thing you're 233 00:11:10,040 --> 00:11:12,040 Speaker 1: going for. So I don't know, tell us, are we 234 00:11:12,080 --> 00:11:15,400 Speaker 1: being short sighted using something like cash back rewards cards 235 00:11:15,400 --> 00:11:17,439 Speaker 1: some of the time? She will, we be using travel 236 00:11:17,440 --> 00:11:19,480 Speaker 1: cards all the time to buy everything. 237 00:11:19,920 --> 00:11:24,000 Speaker 3: Well, that's my recommendation if you're interested in traveling, you know, 238 00:11:24,040 --> 00:11:25,920 Speaker 3: if you're not interested in traveling, of course, then go 239 00:11:26,000 --> 00:11:28,160 Speaker 3: for the cash best cash back that you can get. 240 00:11:28,200 --> 00:11:30,480 Speaker 3: But like I was just interviewing one of my members, 241 00:11:31,080 --> 00:11:34,240 Speaker 3: she's on the my podcast this week, and she's a 242 00:11:34,600 --> 00:11:38,679 Speaker 3: you know, five person, and she was saying she'd always 243 00:11:38,760 --> 00:11:40,640 Speaker 3: used her city double cash and she thought she was 244 00:11:40,679 --> 00:11:43,160 Speaker 3: doing really great, and you know, maybe she ended up 245 00:11:43,200 --> 00:11:45,480 Speaker 3: with a thousand two thousand dollars at the end of 246 00:11:45,480 --> 00:11:49,320 Speaker 3: the year cash back, but now she saved eight thousand 247 00:11:49,360 --> 00:11:52,600 Speaker 3: dollars on trips they would never have taken or even 248 00:11:52,720 --> 00:11:57,560 Speaker 3: known how to do. And how those two don't even compare. 249 00:11:57,800 --> 00:12:01,560 Speaker 3: So really, the way I teach it is so you 250 00:12:01,600 --> 00:12:03,880 Speaker 3: don't have to, like again, have a wall of cards 251 00:12:03,880 --> 00:12:05,920 Speaker 3: and be like, Okay, I use this card for gas, 252 00:12:05,960 --> 00:12:07,840 Speaker 3: and I use this card for groceries, and I use 253 00:12:07,880 --> 00:12:10,400 Speaker 3: this card for dining. You know what I mean. It's 254 00:12:10,480 --> 00:12:12,760 Speaker 3: designed to be simple, and so if you can pick 255 00:12:12,840 --> 00:12:15,760 Speaker 3: one or two cards that you just use for your 256 00:12:15,800 --> 00:12:19,320 Speaker 3: everyday spending, I think that just simplifies it for a 257 00:12:19,320 --> 00:12:22,720 Speaker 3: lot of people. And then you just are constantly accumulating miles, 258 00:12:22,800 --> 00:12:25,959 Speaker 3: and certainly you know you can if you could get 259 00:12:25,960 --> 00:12:28,720 Speaker 3: a bonus on a card with a bunch of travel miles, 260 00:12:28,760 --> 00:12:30,880 Speaker 3: that's going to be better than two percent cash back, 261 00:12:30,920 --> 00:12:33,000 Speaker 3: of course, but you know, and it's just sort of 262 00:12:33,000 --> 00:12:35,520 Speaker 3: personal preference, Like if you are going to get more 263 00:12:35,760 --> 00:12:39,040 Speaker 3: value out of six percent on your MX Blue cash 264 00:12:39,040 --> 00:12:41,000 Speaker 3: on groceries and you want to do that, we'll do that, 265 00:12:41,200 --> 00:12:43,240 Speaker 3: you know. But if you want to just keep it 266 00:12:43,280 --> 00:12:44,880 Speaker 3: simple and just be like, well, I'm going to pick 267 00:12:44,880 --> 00:12:47,120 Speaker 3: between these two cards and just use that for everything. 268 00:12:47,760 --> 00:12:52,160 Speaker 3: That's generally what we're advising nice to do because people 269 00:12:52,200 --> 00:12:52,959 Speaker 3: we're busy, you. 270 00:12:52,920 --> 00:12:57,319 Speaker 2: Know, sure, yeah, simple aspect doesn't necessarily need to be 271 00:12:57,360 --> 00:13:00,480 Speaker 2: a part time job, and so you can can I 272 00:13:00,520 --> 00:13:03,600 Speaker 2: tease to the sign up buses And I definitely want 273 00:13:03,640 --> 00:13:05,920 Speaker 2: to ask you some more about that here in a bit, 274 00:13:05,960 --> 00:13:08,520 Speaker 2: but so can you just basically or quickly kind of 275 00:13:08,559 --> 00:13:10,880 Speaker 2: outline it sounds like you've kind of you've got this 276 00:13:11,120 --> 00:13:15,760 Speaker 2: very simplified three card method. What cards are you using 277 00:13:15,920 --> 00:13:17,480 Speaker 2: and how are you able to use the cards and 278 00:13:17,520 --> 00:13:21,120 Speaker 2: specifically those points to allow you to travel for free. 279 00:13:21,360 --> 00:13:27,040 Speaker 3: The beginning of my process focuses on Southwest Airlines because 280 00:13:27,200 --> 00:13:32,080 Speaker 3: they have the best program, loyalty program to allow you 281 00:13:32,240 --> 00:13:34,760 Speaker 3: to fly it as many places as you want and 282 00:13:34,760 --> 00:13:38,240 Speaker 3: bring your whole family with you. It's the simplest and 283 00:13:38,280 --> 00:13:41,280 Speaker 3: you get the most value out of it. So we 284 00:13:41,360 --> 00:13:46,000 Speaker 3: teach people how to first earn the Southwest Companion Pass, 285 00:13:46,480 --> 00:13:50,360 Speaker 3: and you can do that by applying for two Southwest cards, 286 00:13:50,400 --> 00:13:53,920 Speaker 3: so that's really one and two, and the Southwest Companion 287 00:13:54,000 --> 00:13:57,840 Speaker 3: Pass allows you to bring one person with you on 288 00:13:58,520 --> 00:14:02,240 Speaker 3: any Southwest flight you take while you hold this pass 289 00:14:02,280 --> 00:14:05,480 Speaker 3: for free free airfare, you pay the five dollars and 290 00:14:05,559 --> 00:14:08,680 Speaker 3: sixty cent security fee that none of us can get around. 291 00:14:08,840 --> 00:14:10,920 Speaker 3: So eleven dollars and twenty cents. 292 00:14:10,800 --> 00:14:12,720 Speaker 1: So we caught you land. It's not totally free. 293 00:14:13,160 --> 00:14:13,400 Speaker 2: I know. 294 00:14:13,679 --> 00:14:15,280 Speaker 3: I can't tell you how many times I hear that, 295 00:14:15,320 --> 00:14:17,280 Speaker 3: So I have to make sure I say there is 296 00:14:17,320 --> 00:14:19,720 Speaker 3: a security fee. It's the airfare is free, but you 297 00:14:19,760 --> 00:14:23,200 Speaker 3: have to pay the security fee. Yeah, but you know whatever, 298 00:14:23,240 --> 00:14:25,520 Speaker 3: I'll pay eleven bucks any day for a flight. Sure, 299 00:14:25,600 --> 00:14:28,680 Speaker 3: So that person can fly as many times as you 300 00:14:28,720 --> 00:14:30,800 Speaker 3: want to fly while you hold the pass, and the 301 00:14:30,840 --> 00:14:33,640 Speaker 3: pass is good from the time you earn it until 302 00:14:33,680 --> 00:14:36,560 Speaker 3: the end of the following year. So we try to 303 00:14:36,600 --> 00:14:38,520 Speaker 3: get our people on a system so they have it 304 00:14:38,600 --> 00:14:41,400 Speaker 3: for almost two full years at a time. Because Southwest 305 00:14:41,480 --> 00:14:43,160 Speaker 3: kind of the way they word it, they want to 306 00:14:43,880 --> 00:14:46,160 Speaker 3: tell you you need to be re earning it every year. 307 00:14:46,440 --> 00:14:49,640 Speaker 3: It's kind of funny how they word it, like, yeah, 308 00:14:49,680 --> 00:14:51,000 Speaker 3: I have one this year, but I need to be 309 00:14:51,200 --> 00:14:54,120 Speaker 3: re earning the points again for next year's, which is 310 00:14:54,160 --> 00:14:55,480 Speaker 3: not how you want to do it. 311 00:14:55,880 --> 00:14:57,880 Speaker 2: Yeah, technically you can, so, I mean, it's a two 312 00:14:57,920 --> 00:15:00,680 Speaker 2: year benefit, right, So whatever year you earn it, you 313 00:15:00,720 --> 00:15:02,040 Speaker 2: have it for the remainder of that year, but then 314 00:15:02,080 --> 00:15:03,920 Speaker 2: the following year as well. That's funny. 315 00:15:03,920 --> 00:15:06,240 Speaker 1: The worst case scenarios you get it in November December 316 00:15:06,400 --> 00:15:08,880 Speaker 1: and you don't get that till two years in market. 317 00:15:08,880 --> 00:15:11,240 Speaker 3: Well, and even like I there's a lot of discussion 318 00:15:11,240 --> 00:15:13,560 Speaker 3: out there about that, like, well, I only want to 319 00:15:13,600 --> 00:15:15,040 Speaker 3: get it if I can have it for almost two 320 00:15:15,080 --> 00:15:17,200 Speaker 3: full years, and that is the ideal, and we get 321 00:15:17,200 --> 00:15:19,600 Speaker 3: you on that. But like, if let's just say it's 322 00:15:19,680 --> 00:15:23,680 Speaker 3: September and if you could get this pass in November, 323 00:15:23,720 --> 00:15:26,960 Speaker 3: you'd have a free flight in December, well get it, 324 00:15:27,040 --> 00:15:30,440 Speaker 3: because if that's going to save you the cost of 325 00:15:30,440 --> 00:15:32,400 Speaker 3: that flight, you're going to have it the following year, 326 00:15:32,400 --> 00:15:34,040 Speaker 3: and then we'll get you on our system to always 327 00:15:34,080 --> 00:15:36,520 Speaker 3: have it for two years kind of a deal. So 328 00:15:36,600 --> 00:15:39,120 Speaker 3: we start with that, because there's no better deal going 329 00:15:39,200 --> 00:15:41,480 Speaker 3: than eliminating the cost of one member of your family 330 00:15:41,520 --> 00:15:44,000 Speaker 3: completely in points. You don't pay any points for them, 331 00:15:44,280 --> 00:15:47,160 Speaker 3: and in dollars. And then we show you southwester there's 332 00:15:47,200 --> 00:15:48,800 Speaker 3: just a lot of tricks you can play with them 333 00:15:48,960 --> 00:15:53,400 Speaker 3: to pay fewer points per flight, just the way that 334 00:15:53,760 --> 00:15:57,680 Speaker 3: their system is laid out inevitably, like on a Delta 335 00:15:57,760 --> 00:16:00,600 Speaker 3: or an American or United you're probably gonna end up 336 00:16:00,600 --> 00:16:03,880 Speaker 3: paying around twenty five thousand miles round trip. If it's 337 00:16:03,880 --> 00:16:06,440 Speaker 3: beyond driving distance, you might be able to find a 338 00:16:06,440 --> 00:16:08,840 Speaker 3: better deal here and there, but for the most part, 339 00:16:08,840 --> 00:16:12,080 Speaker 3: that's what you're gonna I mean Southwest now not always, 340 00:16:12,120 --> 00:16:15,200 Speaker 3: not during super busy times, but I mean we regularly 341 00:16:15,480 --> 00:16:19,400 Speaker 3: fly for we just saw people get three thousand point 342 00:16:19,520 --> 00:16:23,080 Speaker 3: round trip flights in October when they not in October, 343 00:16:23,120 --> 00:16:24,480 Speaker 3: it was just a couple months ago when they had 344 00:16:24,480 --> 00:16:24,840 Speaker 3: a sale. 345 00:16:25,040 --> 00:16:26,640 Speaker 1: Was I joked on that one? Yeah, I think I 346 00:16:26,640 --> 00:16:29,480 Speaker 1: got round trip to New York City from Atlanta for 347 00:16:29,800 --> 00:16:32,040 Speaker 1: I want to say, fifty six hundred points or something 348 00:16:32,080 --> 00:16:32,320 Speaker 1: like that. 349 00:16:32,400 --> 00:16:35,560 Speaker 3: Not bad exactly. So like how many you could take 350 00:16:35,680 --> 00:16:39,800 Speaker 3: five of those for twenty five thousand points that you 351 00:16:39,800 --> 00:16:44,080 Speaker 3: would likely pay on another airline, So you can get 352 00:16:44,120 --> 00:16:47,720 Speaker 3: way more trips in you're eliminating the cost of one person. 353 00:16:47,840 --> 00:16:50,760 Speaker 3: And like we you know, the Southwest always has where 354 00:16:50,920 --> 00:16:53,200 Speaker 3: if you book them in points, really if you book 355 00:16:53,440 --> 00:16:56,640 Speaker 3: in cash too, but and the price goes down, you 356 00:16:56,680 --> 00:16:59,000 Speaker 3: can rebook that flight at no cost and get the 357 00:16:59,040 --> 00:17:03,280 Speaker 3: difference put back in your account. So with cash you 358 00:17:03,280 --> 00:17:05,200 Speaker 3: would get a credit, which we don't love. So we 359 00:17:05,240 --> 00:17:07,679 Speaker 3: always teach people to book Southwest in points. But if 360 00:17:07,720 --> 00:17:10,400 Speaker 3: you're booking in points and so, like we save tens 361 00:17:10,400 --> 00:17:12,560 Speaker 3: of thousands of points just checking to see if the 362 00:17:12,560 --> 00:17:15,600 Speaker 3: price has gone down after we book it, wow, and 363 00:17:15,640 --> 00:17:17,840 Speaker 3: getting points put back in our account because there's they 364 00:17:17,960 --> 00:17:20,840 Speaker 3: charge no change fees, they charge no cancel fees, so 365 00:17:20,920 --> 00:17:24,360 Speaker 3: you can even like like your flight from Atlanta, New York, 366 00:17:24,400 --> 00:17:26,480 Speaker 3: you could have grabbed that, not sure if you would 367 00:17:26,480 --> 00:17:28,760 Speaker 3: take it or not, and if you ended up not 368 00:17:28,800 --> 00:17:30,880 Speaker 3: taking it, you just cancel it and points go right 369 00:17:30,880 --> 00:17:31,760 Speaker 3: back in your account. 370 00:17:31,880 --> 00:17:33,440 Speaker 2: That's one of the one of the benefits with the 371 00:17:33,480 --> 00:17:35,960 Speaker 2: Southwest because I mean, and I've seen you talk about 372 00:17:36,000 --> 00:17:38,359 Speaker 2: this as well, and specifically I guess kind of going 373 00:17:38,400 --> 00:17:40,080 Speaker 2: back to the companion pass, but we're kind of comparing 374 00:17:40,480 --> 00:17:43,480 Speaker 2: Southwest to Delta and some of the other carriers, Like, yeah, 375 00:17:43,480 --> 00:17:45,439 Speaker 2: you can get a companion pass with Delta, but it 376 00:17:45,560 --> 00:17:51,280 Speaker 2: is far inferior to the offerings that that Southwest. Can 377 00:17:51,280 --> 00:17:52,639 Speaker 2: you kind of talk about that and some of the 378 00:17:52,680 --> 00:17:56,000 Speaker 2: other advantages that Southwest has over the other airlines. 379 00:17:55,600 --> 00:17:58,600 Speaker 3: Yes, and I have a whole podcast on just that 380 00:17:58,720 --> 00:18:03,120 Speaker 3: the difference between Southwest companion Pass and Delta and Alaska's 381 00:18:03,480 --> 00:18:05,879 Speaker 3: because so many people go, oh, but Delta has a 382 00:18:05,920 --> 00:18:10,160 Speaker 3: companion pass. Yeah, so Delta's is one time only and 383 00:18:10,960 --> 00:18:15,560 Speaker 3: you have to pay for your seat in dollars, whereas 384 00:18:15,600 --> 00:18:17,960 Speaker 3: and then you can add your companion for free. Whereas 385 00:18:18,000 --> 00:18:20,720 Speaker 3: on Southwest you can pay for your seat in points 386 00:18:20,920 --> 00:18:23,880 Speaker 3: and add your companion for free. And that's what we teach. 387 00:18:23,680 --> 00:18:25,840 Speaker 2: You, how to do an unlimited number of. 388 00:18:25,880 --> 00:18:28,440 Speaker 3: Times, unlimited number of times. 389 00:18:28,359 --> 00:18:30,800 Speaker 2: Until until that thing runs that which is incredible, I mean, 390 00:18:30,840 --> 00:18:33,520 Speaker 2: and that's obviously. One of the benefits of points as well, 391 00:18:33,560 --> 00:18:36,520 Speaker 2: is that they never expire. I will mention I'm more 392 00:18:36,560 --> 00:18:39,080 Speaker 2: of a travel points kind of new but I only 393 00:18:39,080 --> 00:18:41,840 Speaker 2: realized this recently. But for some reason, I thought that 394 00:18:41,920 --> 00:18:45,119 Speaker 2: you had to like, quote unquote spend your points in 395 00:18:45,240 --> 00:18:49,399 Speaker 2: order to receive the companion pass. But it's not about 396 00:18:49,440 --> 00:18:52,200 Speaker 2: how many points you actually have in your account. It's 397 00:18:52,200 --> 00:18:54,840 Speaker 2: about how many points you've earned over that period of time, 398 00:18:55,160 --> 00:18:56,720 Speaker 2: and you can still use those points to book your 399 00:18:56,720 --> 00:18:59,240 Speaker 2: own travel. It's just that they go towards At this point. 400 00:18:59,240 --> 00:19:01,240 Speaker 2: Now it's a hundred and third five thousand points in 401 00:19:01,320 --> 00:19:03,760 Speaker 2: order to score that companion passes. Is that Am I 402 00:19:03,840 --> 00:19:04,760 Speaker 2: understanding it correctly? 403 00:19:05,520 --> 00:19:08,359 Speaker 3: Right? Yeah? So, and that is a common thing that 404 00:19:08,480 --> 00:19:10,480 Speaker 3: a lot of people think when they're first learning about this. 405 00:19:10,600 --> 00:19:12,960 Speaker 3: So you you have to collect one hundred and thirty 406 00:19:12,960 --> 00:19:16,840 Speaker 3: five thousand points within one calendar year, so a lot 407 00:19:16,840 --> 00:19:19,280 Speaker 3: of people mess that up to between January first and 408 00:19:19,320 --> 00:19:22,600 Speaker 3: December thirty first. Otherwise the number of qualifying points you 409 00:19:22,640 --> 00:19:26,040 Speaker 3: have starts at zero again on January first the next year. 410 00:19:26,520 --> 00:19:29,200 Speaker 3: So but you just it's just about you said, the collecting. 411 00:19:29,280 --> 00:19:31,960 Speaker 3: You just got to collect them, it's not about spending. 412 00:19:32,119 --> 00:19:35,359 Speaker 3: So as soon as they are collected, they count toward 413 00:19:35,400 --> 00:19:37,960 Speaker 3: your companion pass and then you can use them to 414 00:19:38,000 --> 00:19:41,680 Speaker 3: book flights. And that doesn't mean you lose their qualifications 415 00:19:41,720 --> 00:19:46,359 Speaker 3: toward companion pass either. And it's like a double bonus. 416 00:19:46,359 --> 00:19:48,600 Speaker 3: So you're collecting one hundred and thirty five thousand points, 417 00:19:48,720 --> 00:19:50,960 Speaker 3: you get a companion pass to bring someone free, and 418 00:19:51,000 --> 00:19:53,120 Speaker 3: then you use your one hundred and thirty five thousand 419 00:19:53,160 --> 00:19:56,120 Speaker 3: points to book everybody else in your family. And then 420 00:19:56,240 --> 00:19:58,520 Speaker 3: there's so many ways to stretch those one hundred and 421 00:19:58,560 --> 00:20:02,720 Speaker 3: thirty five thousand points across many many flights. You could 422 00:20:02,760 --> 00:20:05,879 Speaker 3: choose to fly to Hawaii over Christmas and that probably 423 00:20:05,920 --> 00:20:07,960 Speaker 3: will take the whole one hundred and thirty five thousand, 424 00:20:08,800 --> 00:20:10,880 Speaker 3: or you can. Like what we did at the beginning 425 00:20:11,359 --> 00:20:13,199 Speaker 3: in particular, is we just looked for where is it 426 00:20:13,240 --> 00:20:15,640 Speaker 3: cheap to fly to from Indianapolis that we haven't been 427 00:20:15,800 --> 00:20:18,159 Speaker 3: that we'd like to see, And so that's how we started. 428 00:20:18,200 --> 00:20:20,120 Speaker 3: We're like, well, kids haven't seen New York City, Let's 429 00:20:20,160 --> 00:20:22,960 Speaker 3: go out there. Kids haven't seen the Rocky Mountain, Let's 430 00:20:22,960 --> 00:20:24,919 Speaker 3: go out there. We've never been to Disneylands. We did that, 431 00:20:25,840 --> 00:20:27,600 Speaker 3: and so that's a way to save too. It's just 432 00:20:27,640 --> 00:20:30,480 Speaker 3: by picking places that are cheap. 433 00:20:30,960 --> 00:20:34,680 Speaker 1: Yes, I love that too. Letting the deal drive the destination, 434 00:20:35,040 --> 00:20:37,680 Speaker 1: whether you're paying in dollars or points, is a really 435 00:20:37,720 --> 00:20:39,600 Speaker 1: good way to think about it instead of being like, 436 00:20:39,680 --> 00:20:41,560 Speaker 1: oh man, I got to get here during this date, 437 00:20:42,280 --> 00:20:44,800 Speaker 1: this specific time period. Well, if you can be a 438 00:20:44,840 --> 00:20:47,120 Speaker 1: little more flexible about where you're going, like, yeah, I'll 439 00:20:47,119 --> 00:20:49,760 Speaker 1: take any of these cool ten destinations you're going to 440 00:20:49,840 --> 00:20:52,800 Speaker 1: in all likelihood be able to pay less, whether it's yeah, 441 00:20:52,880 --> 00:20:55,440 Speaker 1: points or dollars. But Linn, we've got more questions. We 442 00:20:55,480 --> 00:20:56,960 Speaker 1: want to get to with you. We want to go 443 00:20:57,240 --> 00:20:59,560 Speaker 1: even beyond Southwest because they're great. But what if you 444 00:20:59,600 --> 00:21:01,600 Speaker 1: want to go to Europe like you just did. We'll 445 00:21:01,640 --> 00:21:03,720 Speaker 1: talk about that, We'll talk about sign up bonuses, all 446 00:21:03,720 --> 00:21:05,399 Speaker 1: that kind of stuff. Well, we'll get to more with 447 00:21:05,480 --> 00:21:06,360 Speaker 1: Lynn right after this. 448 00:21:15,840 --> 00:21:17,639 Speaker 2: All right, we are back from the break talking with 449 00:21:17,760 --> 00:21:22,040 Speaker 2: Lynn Mettler of Families Fly Free and Linn. So correct 450 00:21:22,040 --> 00:21:24,080 Speaker 2: me if I'm wrong, But it sounded like maybe you 451 00:21:24,080 --> 00:21:26,240 Speaker 2: have a three pronged approach when it comes to flying 452 00:21:26,240 --> 00:21:30,320 Speaker 2: for free. Is do you count multiple Southwest cards as 453 00:21:30,760 --> 00:21:33,640 Speaker 2: one of those prongs or do multiple cards count as 454 00:21:33,680 --> 00:21:36,720 Speaker 2: part of that three card approach? Can you basically explain 455 00:21:36,720 --> 00:21:38,840 Speaker 2: to us the rest of the rest of your approach 456 00:21:39,119 --> 00:21:41,800 Speaker 2: for keeping things simple as families are trying to get 457 00:21:41,840 --> 00:21:43,440 Speaker 2: their family places for free? 458 00:21:43,840 --> 00:21:46,520 Speaker 3: Right, So yeah, I count those two cards. Those are 459 00:21:47,080 --> 00:21:51,320 Speaker 3: first two, and then then the next part is really 460 00:21:51,480 --> 00:21:55,520 Speaker 3: just picking the right card for your travel goals, picking 461 00:21:55,600 --> 00:21:59,720 Speaker 3: a flexible travel card to focus on. And this is 462 00:21:59,760 --> 00:22:02,280 Speaker 3: where I think a lot of people mess up. So 463 00:22:02,359 --> 00:22:04,800 Speaker 3: many people come to me and they're putting all their 464 00:22:04,840 --> 00:22:08,000 Speaker 3: spinding on an airline card. Pick your airline, doesn't matter. 465 00:22:08,040 --> 00:22:12,320 Speaker 3: Could be Southwest too, and the problem with that is 466 00:22:12,400 --> 00:22:15,359 Speaker 3: you're earning a point only in that currency, so you 467 00:22:15,400 --> 00:22:17,159 Speaker 3: can only use it with Delta. You can only use 468 00:22:17,200 --> 00:22:21,440 Speaker 3: it with Southwest, and mostly on those cards, you don't 469 00:22:21,480 --> 00:22:24,800 Speaker 3: earn very many points per dollar in most categories of spending, 470 00:22:24,880 --> 00:22:27,800 Speaker 3: so you're gonna earn more when you buy something with Delta. 471 00:22:28,280 --> 00:22:30,080 Speaker 3: But the whole idea here is for you to not 472 00:22:30,160 --> 00:22:32,960 Speaker 3: have to buy anything with Delta, so that shouldn't help you, 473 00:22:33,920 --> 00:22:37,280 Speaker 3: So we recommend picking a flexible travel card. So like 474 00:22:37,320 --> 00:22:40,520 Speaker 3: I really like Chase Sapphire Preferred, I also like Capital 475 00:22:40,560 --> 00:22:44,040 Speaker 3: one Venture X. Both of those systems, the Chase Ultimate 476 00:22:44,080 --> 00:22:49,159 Speaker 3: Rewards and the Capital one Venture system work very well 477 00:22:49,240 --> 00:22:52,080 Speaker 3: and so you are going to accumulate more points per 478 00:22:52,119 --> 00:22:56,480 Speaker 3: dollar and different categories of spending. Capital one system gives 479 00:22:56,520 --> 00:22:58,680 Speaker 3: you two points per dollar on everything, which is nice 480 00:22:58,680 --> 00:23:02,160 Speaker 3: and simple. It's just a flat two points, whereas Chase 481 00:23:02,200 --> 00:23:04,560 Speaker 3: a Fire Preferred, you're going to get two points per 482 00:23:04,560 --> 00:23:06,840 Speaker 3: dollar on travel, three points per dollar on dining and 483 00:23:06,880 --> 00:23:09,720 Speaker 3: some other categories. So you're getting more points per dollar, 484 00:23:09,760 --> 00:23:13,320 Speaker 3: and you're getting a flexible point that you can use 485 00:23:13,480 --> 00:23:16,200 Speaker 3: wherever you need it. So the Chase system is great 486 00:23:16,280 --> 00:23:18,199 Speaker 3: in working with Southwest. So if you want to if 487 00:23:18,240 --> 00:23:20,560 Speaker 3: you need more Southwest points, you just accumulate them over 488 00:23:20,600 --> 00:23:23,080 Speaker 3: in Chase and then you move them over to Southwest. 489 00:23:23,480 --> 00:23:26,240 Speaker 3: You know, you can move your points to United. You 490 00:23:26,240 --> 00:23:29,120 Speaker 3: can move it to get free hotels days at Hyatt 491 00:23:29,119 --> 00:23:34,280 Speaker 3: and Marriott and the Intercontinental Hotels Group. But better yet, 492 00:23:34,400 --> 00:23:37,239 Speaker 3: you can use They have their own travel portal. So 493 00:23:37,440 --> 00:23:39,960 Speaker 3: just like booking on an Expedia or something like that, 494 00:23:40,560 --> 00:23:42,600 Speaker 3: you can go in and use your points to book 495 00:23:43,520 --> 00:23:47,680 Speaker 3: almost any airline and almost any hotel within their system. 496 00:23:48,040 --> 00:23:51,919 Speaker 3: And so that makes things infinitely simple, so you know, 497 00:23:52,080 --> 00:23:56,399 Speaker 3: versus like trying to fly to Europe and collect Singapore 498 00:23:56,440 --> 00:23:59,639 Speaker 3: Airlines miles and then use those miles to book in 499 00:23:59,720 --> 00:24:02,760 Speaker 3: UNI because it's cost you less, and then you have 500 00:24:02,800 --> 00:24:04,800 Speaker 3: to look for an award seat and you hope that 501 00:24:04,840 --> 00:24:06,720 Speaker 3: it pops up on a flight that you want to take. 502 00:24:06,800 --> 00:24:11,159 Speaker 3: You know, that's not my jam. So I am looking 503 00:24:11,280 --> 00:24:13,880 Speaker 3: for simple. I can go in these systems, I can 504 00:24:13,880 --> 00:24:16,480 Speaker 3: book If I want to book a first class flight 505 00:24:16,560 --> 00:24:18,640 Speaker 3: with my points, I can do that. If I want 506 00:24:18,640 --> 00:24:20,679 Speaker 3: to book the NonStop, I can do it. If I 507 00:24:20,720 --> 00:24:23,240 Speaker 3: want to find a cheaper one, that's an option too, 508 00:24:24,080 --> 00:24:27,520 Speaker 3: and Capital One works very similarly, and it's even more 509 00:24:27,560 --> 00:24:31,040 Speaker 3: flexible in that you can book directly with the airline, 510 00:24:31,280 --> 00:24:33,800 Speaker 3: so I could. That's what we did with our Europe trip, 511 00:24:33,960 --> 00:24:37,480 Speaker 3: is we booked a flight directly with Delta. We paid 512 00:24:37,480 --> 00:24:39,159 Speaker 3: for it with that card, and then they have a 513 00:24:39,160 --> 00:24:41,639 Speaker 3: way you can use your points to erase or pay 514 00:24:41,720 --> 00:24:43,600 Speaker 3: for if you will that charge. 515 00:24:44,080 --> 00:24:47,240 Speaker 2: Nice. Well, I think your approach is great because it 516 00:24:47,240 --> 00:24:48,840 Speaker 2: does keep it simple, and I think that's what keeps 517 00:24:48,920 --> 00:24:50,960 Speaker 2: a lot of folks from kind of going down the 518 00:24:50,960 --> 00:24:53,040 Speaker 2: path of trying to find ways to utilize these points 519 00:24:53,040 --> 00:24:54,960 Speaker 2: in these miles in order to travel for free, because 520 00:24:54,960 --> 00:24:58,480 Speaker 2: it seems so daunting and overwhelming. But you mentioned I 521 00:24:58,520 --> 00:25:01,240 Speaker 2: love your approach. How your third car does either the 522 00:25:01,359 --> 00:25:03,439 Speaker 2: Chase Saffire I preferred or the Capitol one venture X 523 00:25:03,680 --> 00:25:05,040 Speaker 2: to kind of fill in all the little nooks and 524 00:25:05,040 --> 00:25:08,280 Speaker 2: crannies after you are maybe knocking out the bulk of 525 00:25:08,280 --> 00:25:12,840 Speaker 2: your spending with the Southwest cards. What specific Southwest cards, 526 00:25:12,840 --> 00:25:15,240 Speaker 2: by the way, are you liking these days? Is it 527 00:25:15,280 --> 00:25:17,600 Speaker 2: the Plus one or I forget the names of the cards, 528 00:25:17,640 --> 00:25:19,160 Speaker 2: but do you have a recommendation there? 529 00:25:19,480 --> 00:25:23,479 Speaker 3: Yeah, so they have business cards. There's two business cards 530 00:25:23,520 --> 00:25:25,919 Speaker 3: and then they have I just call them personal cards 531 00:25:25,960 --> 00:25:29,879 Speaker 3: to differentiate them from business cards. But there's three personal cards. 532 00:25:29,960 --> 00:25:33,880 Speaker 3: So and here's the thing with travel credit cards is yes, 533 00:25:33,960 --> 00:25:36,760 Speaker 3: we do this keeps it really simple, but there's still 534 00:25:36,760 --> 00:25:39,080 Speaker 3: all kind of rules and that you have to know 535 00:25:39,160 --> 00:25:41,840 Speaker 3: about how then you can get cards, and you know 536 00:25:41,840 --> 00:25:44,320 Speaker 3: how many cards Chase will let you have and how 537 00:25:44,400 --> 00:25:47,119 Speaker 3: much time you need to leave before applying for another one, 538 00:25:47,160 --> 00:25:50,320 Speaker 3: that kind of stuff. So, for example, Southwest has the 539 00:25:50,359 --> 00:25:53,480 Speaker 3: three personal cards. You can hold only one of those 540 00:25:53,520 --> 00:25:56,760 Speaker 3: cards at a time and you can get the bonus 541 00:25:56,800 --> 00:26:01,280 Speaker 3: on those once every twenty four months, so you're limited 542 00:26:01,280 --> 00:26:04,760 Speaker 3: to one there. So there are three, and we recommend 543 00:26:04,880 --> 00:26:08,399 Speaker 3: either the one with the cheapest annual fee, which is 544 00:26:08,440 --> 00:26:12,000 Speaker 3: sixty nine dollars, So if you're looking to not outlet, 545 00:26:12,040 --> 00:26:13,959 Speaker 3: you know, outlay as little as possible to do this, 546 00:26:14,040 --> 00:26:15,920 Speaker 3: that would be the best option, but it has really 547 00:26:15,920 --> 00:26:19,639 Speaker 3: no perks with it, or the most expensive one, which 548 00:26:19,760 --> 00:26:23,160 Speaker 3: is the Priority and that one's one forty nine annual fee, 549 00:26:23,200 --> 00:26:24,960 Speaker 3: but it comes with a lot of great perks. So 550 00:26:25,840 --> 00:26:29,480 Speaker 3: on Southwest. The downside of flying them is they don't 551 00:26:29,520 --> 00:26:32,480 Speaker 3: give you your seating assignment in advance, so we have 552 00:26:32,560 --> 00:26:34,879 Speaker 3: all kinds of ways we teach you to mitigate that. 553 00:26:35,040 --> 00:26:38,199 Speaker 3: But so the perks that you get primarily with this 554 00:26:38,280 --> 00:26:42,320 Speaker 3: priority card give you like earlier boarding orders, which mean 555 00:26:42,400 --> 00:26:45,359 Speaker 3: you can pick your seat sooner, or it checks you 556 00:26:45,400 --> 00:26:47,960 Speaker 3: in earlier, which also gives you an early boarding order. 557 00:26:48,000 --> 00:26:50,720 Speaker 3: So if seating is important to you, you might want 558 00:26:50,720 --> 00:26:54,800 Speaker 3: to opt for the one with the perks. And if 559 00:26:54,800 --> 00:26:57,000 Speaker 3: you don't care about that, then we tell people go 560 00:26:57,080 --> 00:26:59,080 Speaker 3: with the cheap one, the middle one. There's really no 561 00:26:59,160 --> 00:27:01,280 Speaker 3: benefit to having it pay a higher annual fee, and 562 00:27:01,280 --> 00:27:05,359 Speaker 3: you really don't you get no international transaction fees. 563 00:27:05,400 --> 00:27:07,879 Speaker 2: With dis Okay, yeah, all right. 564 00:27:07,920 --> 00:27:11,800 Speaker 1: Talk talk about sign up bonuses versus getting rewarded based 565 00:27:11,840 --> 00:27:13,760 Speaker 1: on just the spending you're doing day in and day out. 566 00:27:14,040 --> 00:27:16,720 Speaker 1: And there's so much chatter, so much excitement, so much 567 00:27:16,760 --> 00:27:19,159 Speaker 1: of the time about oh, the sign up bonus, the 568 00:27:19,240 --> 00:27:22,240 Speaker 1: sixty thousand or the seventy five thousand or even more 569 00:27:22,280 --> 00:27:26,720 Speaker 1: sometimes points or whatever that I'm getting when I actually 570 00:27:26,760 --> 00:27:29,480 Speaker 1: get the credit card and meet that initial spending threshold. 571 00:27:29,800 --> 00:27:33,760 Speaker 1: How important is that versus just the regular spending you're 572 00:27:33,800 --> 00:27:36,600 Speaker 1: doing every day, day and day out and sticking it 573 00:27:36,680 --> 00:27:38,960 Speaker 1: on those cards, so it's. 574 00:27:38,840 --> 00:27:40,639 Speaker 3: You know, it's a combination of the two. So I 575 00:27:40,680 --> 00:27:42,520 Speaker 3: don't want to say we aren't ever going for the 576 00:27:42,560 --> 00:27:45,280 Speaker 3: card bonuses, because you do need to do that from 577 00:27:45,359 --> 00:27:47,880 Speaker 3: time to time, but we really limit it. We don't. 578 00:27:48,240 --> 00:27:51,680 Speaker 3: The industry term is churning, which we don't recommend at all. 579 00:27:52,240 --> 00:27:55,639 Speaker 3: So that means constantly opening, closing, open, and closing. So 580 00:27:55,840 --> 00:27:58,080 Speaker 3: you do want to get as big a bonus as 581 00:27:58,080 --> 00:28:01,080 Speaker 3: you can. Of course, when you're first opening these cards, 582 00:28:01,160 --> 00:28:03,639 Speaker 3: you know that you might as well rack up as 583 00:28:03,680 --> 00:28:06,400 Speaker 3: many points as you can, and that really comes into 584 00:28:06,400 --> 00:28:09,360 Speaker 3: play when you're earning the Companion pass. You can get 585 00:28:09,400 --> 00:28:13,720 Speaker 3: two card bonuses. Then you're close to or all the 586 00:28:13,760 --> 00:28:16,080 Speaker 3: way to the one hundred and thirty five thousand points 587 00:28:16,080 --> 00:28:20,439 Speaker 3: you need Companion Pass done, you know, and you got 588 00:28:20,480 --> 00:28:22,880 Speaker 3: one hundred and thirty five thousand points to start you off, 589 00:28:23,640 --> 00:28:25,320 Speaker 3: and then you want to get a bonus on whatever 590 00:28:25,359 --> 00:28:28,320 Speaker 3: your everyday spending card ends up being. And you know, 591 00:28:28,359 --> 00:28:30,760 Speaker 3: some people like the AMEX system that would be another example, 592 00:28:30,880 --> 00:28:34,399 Speaker 3: or city they have a flexible travel system. But after 593 00:28:34,560 --> 00:28:39,040 Speaker 3: that you can just focus on continuing to put your 594 00:28:39,160 --> 00:28:43,960 Speaker 3: everyday spending on this flexible card. Or some people work 595 00:28:43,960 --> 00:28:45,600 Speaker 3: with two cards. You know, it just depends on what 596 00:28:45,640 --> 00:28:48,600 Speaker 3: you're up for. And we have found so you know, 597 00:28:48,720 --> 00:28:52,800 Speaker 3: I've been doing this with my membership for We're on 598 00:28:52,920 --> 00:28:55,400 Speaker 3: three years now and so we've had hundreds of members 599 00:28:55,400 --> 00:28:58,240 Speaker 3: go through this. When you follow this system, I mean 600 00:28:58,280 --> 00:29:02,680 Speaker 3: we have people saving five thousand, eight thousand, ten twelve 601 00:29:02,760 --> 00:29:07,719 Speaker 3: thousand dollars on travel just by doing this. So it 602 00:29:07,840 --> 00:29:11,880 Speaker 3: absolutely can be done without continuing to add a bonus. 603 00:29:12,000 --> 00:29:14,280 Speaker 3: And you know, another thing that's part of my system 604 00:29:14,400 --> 00:29:16,600 Speaker 3: is you do need We do recommend you always have 605 00:29:16,680 --> 00:29:18,880 Speaker 3: a companion pass. So that means two years in the 606 00:29:18,920 --> 00:29:21,240 Speaker 3: future you're going to need to get another one and 607 00:29:21,240 --> 00:29:22,920 Speaker 3: then you're going to get another chunk of one hundred 608 00:29:22,920 --> 00:29:25,160 Speaker 3: and thirty five thousand points. So that helps too, you know, 609 00:29:25,280 --> 00:29:28,520 Speaker 3: like keeps replenishing your balance on top of your every 610 00:29:28,600 --> 00:29:29,120 Speaker 3: day spending. 611 00:29:29,920 --> 00:29:32,400 Speaker 2: So okay, So is that a good reason. So let's 612 00:29:32,400 --> 00:29:35,040 Speaker 2: say you've got a partner, a spouse, is this a 613 00:29:35,160 --> 00:29:38,800 Speaker 2: good argument then for not adding them as an authorized 614 00:29:38,880 --> 00:29:43,440 Speaker 2: user to that card and instead having them apply for that, 615 00:29:43,760 --> 00:29:46,920 Speaker 2: say that Southwest card two years off into the future. 616 00:29:47,720 --> 00:29:49,360 Speaker 3: So yeah, So one thing we tell all of our 617 00:29:49,400 --> 00:29:54,000 Speaker 3: people is not to add spouses as authorized users. Now, 618 00:29:54,240 --> 00:29:59,400 Speaker 3: that doesn't prevent your partner or traveling companion, spouse, whatever 619 00:29:59,560 --> 00:30:03,280 Speaker 3: from that card themselves. So even if you didn't know 620 00:30:03,320 --> 00:30:05,800 Speaker 3: this and they're already an authorized user on your card, 621 00:30:05,840 --> 00:30:08,200 Speaker 3: that's okay. They can still get their own version of 622 00:30:08,200 --> 00:30:12,440 Speaker 3: that card. But going forward, we don't recommend doing that 623 00:30:12,520 --> 00:30:17,160 Speaker 3: because I don't think there's any need these days for that, 624 00:30:17,680 --> 00:30:20,959 Speaker 3: like unless you physically need to have the card, and 625 00:30:21,160 --> 00:30:24,200 Speaker 3: almost everywhere now takes Google Pay or Apple Pay and 626 00:30:24,240 --> 00:30:27,600 Speaker 3: you can just add it to your partner's Apple Pay 627 00:30:28,240 --> 00:30:30,080 Speaker 3: and pay for it that way. If you need to 628 00:30:30,160 --> 00:30:31,080 Speaker 3: use that card. 629 00:30:31,600 --> 00:30:34,240 Speaker 2: To have an actual separate device that allows you to 630 00:30:34,280 --> 00:30:35,640 Speaker 2: make purchases in person. 631 00:30:35,520 --> 00:30:37,360 Speaker 3: Right, yeah, Like if you need to put it on 632 00:30:37,400 --> 00:30:39,480 Speaker 3: that card and you don't physically have two of that 633 00:30:39,520 --> 00:30:42,840 Speaker 3: card because that person's not an authorized user, that's a 634 00:30:42,880 --> 00:30:46,560 Speaker 3: way around it. But again, like for Southwest, we're not 635 00:30:46,600 --> 00:30:48,920 Speaker 3: recommending you're putting your every day spending on that. You 636 00:30:48,960 --> 00:30:50,640 Speaker 3: just meet your minimum spend and then you move on 637 00:30:50,760 --> 00:30:53,480 Speaker 3: from that card occasionally, like if you really needed to 638 00:30:53,520 --> 00:30:55,560 Speaker 3: have your everyday spending card, both of you need to 639 00:30:55,600 --> 00:30:57,280 Speaker 3: have that, that would be the one to do it on. 640 00:30:57,920 --> 00:31:01,240 Speaker 3: That one every day spending card. You're flexible travel card 641 00:31:01,400 --> 00:31:04,200 Speaker 3: if you just I don't know, Kroger doesn't have Apple 642 00:31:04,200 --> 00:31:06,520 Speaker 3: pay where I livery, I don't know why get with 643 00:31:06,560 --> 00:31:10,280 Speaker 3: it Kroger. But you know, that would be an example 644 00:31:10,280 --> 00:31:12,080 Speaker 3: where you might both need to have the card. But 645 00:31:12,120 --> 00:31:14,960 Speaker 3: the reason for this is we deal a lot in 646 00:31:15,080 --> 00:31:19,320 Speaker 3: the Chase system, and Chase limits you to five. They 647 00:31:19,360 --> 00:31:22,160 Speaker 3: won't approve you for any Chase cards if you've opened 648 00:31:22,240 --> 00:31:26,200 Speaker 3: five cards of any type in the last twenty four months. 649 00:31:26,280 --> 00:31:28,440 Speaker 3: So we see a lot of people you know that 650 00:31:28,520 --> 00:31:32,720 Speaker 3: have opened you know, Kohl's or Home Depot or Old 651 00:31:32,760 --> 00:31:35,000 Speaker 3: maybe when you get sucked in at the checkout and 652 00:31:35,040 --> 00:31:38,040 Speaker 3: they're like open a car today and you get fifteen percent. 653 00:31:37,760 --> 00:31:40,560 Speaker 1: Off or whatever the worst cards you can get. 654 00:31:40,600 --> 00:31:43,480 Speaker 3: Basically, yes, don't do that, but everyone makes that mistake 655 00:31:43,520 --> 00:31:45,160 Speaker 3: at some point, so you'll now you know now not 656 00:31:45,240 --> 00:31:48,520 Speaker 3: to do that, But that counts as one of your five. Basically, 657 00:31:48,560 --> 00:31:51,320 Speaker 3: it's limiting your ability to get travel cards down the road, 658 00:31:51,960 --> 00:31:55,120 Speaker 3: and so being an authorized user counts as one of 659 00:31:55,160 --> 00:31:58,080 Speaker 3: those five. So that's why you want to be careful 660 00:31:58,120 --> 00:32:00,240 Speaker 3: with that. You just don't want to limit yourself way 661 00:32:00,240 --> 00:32:01,680 Speaker 3: if it's not needed. 662 00:32:01,840 --> 00:32:04,600 Speaker 1: Kind of like a real estate investor not having you know, 663 00:32:04,880 --> 00:32:08,040 Speaker 1: too many loans. If you get husband and wife together, 664 00:32:08,120 --> 00:32:10,600 Speaker 1: two people living on the same household a limit your 665 00:32:10,600 --> 00:32:14,560 Speaker 1: ability to get mortgages. It's yeah, getting complex yet, but 666 00:32:14,640 --> 00:32:16,400 Speaker 1: okay tell me this, Lynn. I want to know about 667 00:32:16,400 --> 00:32:20,360 Speaker 1: business credit cards, because that is you mentioned Southwest has 668 00:32:20,400 --> 00:32:25,280 Speaker 1: some business credit cards and individuals can sometimes get business 669 00:32:25,320 --> 00:32:29,040 Speaker 1: credit cards. Are those something that people should be pursuing 670 00:32:29,920 --> 00:32:32,400 Speaker 1: instead of just personal cards? Is a little bit of 671 00:32:32,400 --> 00:32:35,360 Speaker 1: both or how how do you recommend people use some 672 00:32:35,440 --> 00:32:38,320 Speaker 1: of those those business cards specifically to help them achieve 673 00:32:38,320 --> 00:32:39,080 Speaker 1: these travel goals. 674 00:32:39,400 --> 00:32:43,520 Speaker 3: Yeah, I absolutely recommend business cards and realize there are 675 00:32:43,720 --> 00:32:46,120 Speaker 3: small business cards. So I think a lot of people 676 00:32:46,120 --> 00:32:47,960 Speaker 3: here business card and they think, well, I don't have 677 00:32:48,040 --> 00:32:50,400 Speaker 3: a corporation or I don't have an LLC, so I 678 00:32:50,400 --> 00:32:52,400 Speaker 3: don't I for sure don't qualify for that, and they 679 00:32:52,440 --> 00:32:55,600 Speaker 3: just don't even think about it ever again. And really 680 00:32:55,680 --> 00:32:57,920 Speaker 3: all that means is that you have any kind of 681 00:32:58,040 --> 00:33:01,960 Speaker 3: side income that's not salary income, so you know that 682 00:33:02,000 --> 00:33:04,440 Speaker 3: literally can it could be having real estate for sure, 683 00:33:04,480 --> 00:33:06,200 Speaker 3: I see a lot of people miss that or you know, 684 00:33:06,320 --> 00:33:10,200 Speaker 3: owning vacation rental or you know, it can be walking dogs, 685 00:33:10,240 --> 00:33:12,120 Speaker 3: it can be selling things on eBay. And we have 686 00:33:12,200 --> 00:33:15,160 Speaker 3: families who before they go to Disney, they have a 687 00:33:15,200 --> 00:33:17,760 Speaker 3: garage sale and sell their toys that they're not using 688 00:33:17,800 --> 00:33:20,000 Speaker 3: anymore and they use that to help fund, you know, 689 00:33:20,000 --> 00:33:22,880 Speaker 3: maybe buy souvenirs or whatever fund their Disney trip. That's 690 00:33:22,920 --> 00:33:27,479 Speaker 3: a legit side income that would qualify for a small business. 691 00:33:27,560 --> 00:33:30,240 Speaker 2: So I doesn't seem like a quote unquote Wall Street business, 692 00:33:31,240 --> 00:33:33,880 Speaker 2: but yes, it doesn't have to be exactly. Yeah. 693 00:33:33,960 --> 00:33:36,600 Speaker 3: Yeah, that's the whole thing. And so if you don't 694 00:33:36,880 --> 00:33:39,360 Speaker 3: open your mind to that, you miss out on a 695 00:33:39,440 --> 00:33:42,560 Speaker 3: lot of potential travel savings because a lot of those 696 00:33:42,600 --> 00:33:45,960 Speaker 3: cards have the better offers and so and we do 697 00:33:46,000 --> 00:33:48,720 Speaker 3: what the companion pass want to pair two cards and 698 00:33:48,760 --> 00:33:51,160 Speaker 3: you can only get one personal card. So you do 699 00:33:51,280 --> 00:33:54,600 Speaker 3: need to be open to getting a small business card. 700 00:33:54,320 --> 00:33:57,120 Speaker 3: They they are sometimes a little bit more strict on 701 00:33:57,560 --> 00:34:01,120 Speaker 3: their approvals, and so they will they might decline you 702 00:34:01,160 --> 00:34:04,120 Speaker 3: more often, but not for a reason like something's wrong 703 00:34:04,120 --> 00:34:07,240 Speaker 3: with your credit. I've just found that they tend to 704 00:34:07,360 --> 00:34:10,640 Speaker 3: chase in particular, I think does like a random check 705 00:34:10,719 --> 00:34:13,640 Speaker 3: and I think they just randomly decline a third of people, 706 00:34:13,760 --> 00:34:16,000 Speaker 3: and then they have you submit this paperwork and there's 707 00:34:16,000 --> 00:34:18,880 Speaker 3: an easy way around. It's not around it, but to 708 00:34:19,000 --> 00:34:22,719 Speaker 3: satisfy that requirement basically, then you're approved and then you 709 00:34:22,760 --> 00:34:26,680 Speaker 3: move on. And so everyone that we help get the 710 00:34:26,680 --> 00:34:28,760 Speaker 3: small business card has been able to get it unless 711 00:34:28,760 --> 00:34:31,480 Speaker 3: there would be some other like a credit issue or 712 00:34:31,480 --> 00:34:33,640 Speaker 3: something like that, or they are outside the five twenty 713 00:34:33,680 --> 00:34:35,320 Speaker 3: four or something to that effect. 714 00:34:35,360 --> 00:34:38,080 Speaker 2: Yeah, that's sometimes the case. Oftentimes that's the case, and 715 00:34:38,239 --> 00:34:40,239 Speaker 2: yet another reason why you need to be taken care of, 716 00:34:40,400 --> 00:34:41,880 Speaker 2: taking care of your credit score to make sure you 717 00:34:41,920 --> 00:34:43,880 Speaker 2: can apply for some of these better offerings that are 718 00:34:43,880 --> 00:34:46,319 Speaker 2: out there. But awesome, I'm glad that we've covered some 719 00:34:46,360 --> 00:34:49,319 Speaker 2: of these specific cards. We'll make sure to list some 720 00:34:49,360 --> 00:34:51,040 Speaker 2: of these out for folks. I feel like we've talked 721 00:34:51,040 --> 00:34:53,440 Speaker 2: through a lot of details regarding some of the different 722 00:34:53,440 --> 00:34:55,719 Speaker 2: business cards, the different Southwest cards. 723 00:34:55,440 --> 00:34:57,640 Speaker 1: But this is a great approach. 724 00:34:57,760 --> 00:35:02,480 Speaker 2: Lynn, I want to talk specifically about a destination Disney 725 00:35:02,520 --> 00:35:05,759 Speaker 2: specifically because there's been a lot of reports of just 726 00:35:05,800 --> 00:35:09,640 Speaker 2: these record low crowds at Disney lately. It seems like 727 00:35:09,680 --> 00:35:12,640 Speaker 2: demained is down because of that. Have you seen any 728 00:35:12,760 --> 00:35:16,799 Speaker 2: deals at either of the Disney resorts. Basically, I'm wondering 729 00:35:16,800 --> 00:35:19,040 Speaker 2: if now it's a good time to book, because you 730 00:35:19,040 --> 00:35:21,360 Speaker 2: were talking earlier about you know, we're talking like the 731 00:35:21,360 --> 00:35:24,600 Speaker 2: golden rule of travel, right, letting the deal drive the destination. 732 00:35:25,239 --> 00:35:28,680 Speaker 2: How closely do you follow different trends like this that 733 00:35:28,719 --> 00:35:30,640 Speaker 2: you are seeing, in particular when it comes to a 734 00:35:30,680 --> 00:35:31,560 Speaker 2: place like Disney. 735 00:35:32,000 --> 00:35:36,200 Speaker 3: Well, I followed Disney very closely because I personally love 736 00:35:36,280 --> 00:35:39,000 Speaker 3: Disney and someplace again my family likes to go, and 737 00:35:39,040 --> 00:35:41,799 Speaker 3: I would say probably a third of our members are 738 00:35:41,880 --> 00:35:45,919 Speaker 3: interested in Disney. And I actually just to my email list, 739 00:35:45,960 --> 00:35:50,719 Speaker 3: but created a product that shows you how to do 740 00:35:50,800 --> 00:35:53,880 Speaker 3: Disney for free using travel rewards. So I took the 741 00:35:54,640 --> 00:35:59,000 Speaker 3: same approach I've done with travel rewards overall a overwhelming, 742 00:35:59,080 --> 00:36:03,520 Speaker 3: sometimes complicated lots of information and dialed it into a 743 00:36:03,520 --> 00:36:06,080 Speaker 3: simple process. I've kind of done the same thing for Disney. 744 00:36:06,120 --> 00:36:10,200 Speaker 3: So Disney, you know, I have seen these things about 745 00:36:10,480 --> 00:36:12,600 Speaker 3: crowds are down. I mean it's the middle of summer. 746 00:36:12,719 --> 00:36:13,960 Speaker 3: There as horrible. 747 00:36:14,239 --> 00:36:17,520 Speaker 2: I mean I wouldn't ever, as Joel knows, he's just there, 748 00:36:17,520 --> 00:36:20,040 Speaker 2: He's stay back in weeks down in Orlando. Well's house 749 00:36:20,080 --> 00:36:24,319 Speaker 2: was getting worked on, so June July in Orlando's not 750 00:36:24,400 --> 00:36:25,000 Speaker 2: the best. 751 00:36:25,120 --> 00:36:28,160 Speaker 3: No, And we have never gone during that time period 752 00:36:28,200 --> 00:36:30,960 Speaker 3: because we lived in South Carolina for a minute and 753 00:36:31,280 --> 00:36:33,719 Speaker 3: boy the heat. So yeah, we avoided it. So I 754 00:36:33,760 --> 00:36:35,279 Speaker 3: think a lot of people do avoid it at this 755 00:36:35,360 --> 00:36:38,520 Speaker 3: time of year because of that. And it's become where 756 00:36:38,520 --> 00:36:42,239 Speaker 3: Disney is more popular like almost every other time of year, 757 00:36:42,480 --> 00:36:44,680 Speaker 3: like we've been, I feel like in every other month 758 00:36:44,680 --> 00:36:48,160 Speaker 3: but summer, and there's just always packed. So I don't really, 759 00:36:48,680 --> 00:36:50,640 Speaker 3: in my personal opinion, think there's going to be a 760 00:36:50,680 --> 00:36:53,800 Speaker 3: downturn at Disney. But we'll see. They are offering deals 761 00:36:53,880 --> 00:36:56,719 Speaker 3: right now to book directly at the resorts. You can 762 00:36:56,760 --> 00:36:59,800 Speaker 3: get like twenty five to thirty five percent off. I 763 00:37:00,040 --> 00:37:02,799 Speaker 3: think it's uh. There's some like late summer deals, and 764 00:37:02,840 --> 00:37:06,040 Speaker 3: then there's some like October through December deals right now. 765 00:37:06,640 --> 00:37:10,640 Speaker 3: But you can actually book Disney resorts, you can book 766 00:37:11,000 --> 00:37:14,040 Speaker 3: off property, you can book vacation rentals, you can use 767 00:37:14,040 --> 00:37:17,279 Speaker 3: travel rewards to do all of that. It's literally as 768 00:37:17,320 --> 00:37:21,120 Speaker 3: possible to do Disney for free now from start to finish. 769 00:37:21,120 --> 00:37:22,480 Speaker 3: Whether you'd want to do that, you might want to 770 00:37:22,520 --> 00:37:24,840 Speaker 3: use your travel rewards in other ways, like I like 771 00:37:24,960 --> 00:37:27,320 Speaker 3: to really focus on making sure all of our flights 772 00:37:27,320 --> 00:37:29,279 Speaker 3: are for free, and then if we can get some 773 00:37:29,320 --> 00:37:31,920 Speaker 3: free hotel stays on top of that, we'll do some 774 00:37:32,040 --> 00:37:34,800 Speaker 3: of that. But if you're a family just wants to 775 00:37:34,840 --> 00:37:38,240 Speaker 3: plan this amazing Disney vacation, you know you could literally 776 00:37:38,280 --> 00:37:40,759 Speaker 3: do it. You can get your dining free, It's kind 777 00:37:40,760 --> 00:37:41,840 Speaker 3: of nuts. 778 00:37:42,000 --> 00:37:43,719 Speaker 1: Can you get entrance into the park for free? Too? 779 00:37:43,840 --> 00:37:44,040 Speaker 2: Yes? 780 00:37:44,080 --> 00:37:46,560 Speaker 1: You can, Okay, tell me about that. 781 00:37:47,040 --> 00:37:49,759 Speaker 3: Yeah, So if you you can use you know, a 782 00:37:49,840 --> 00:37:53,520 Speaker 3: card that like the Capital one system. That basically the 783 00:37:53,560 --> 00:37:56,960 Speaker 3: way it works is it lets you use the miles 784 00:37:57,000 --> 00:38:00,719 Speaker 3: that you've collected over there to pay for any travel expense. 785 00:38:01,960 --> 00:38:05,279 Speaker 3: So if you can get the park tickets to This 786 00:38:05,320 --> 00:38:07,440 Speaker 3: is a little bit in the details too, so sorry, 787 00:38:07,440 --> 00:38:12,240 Speaker 3: but to categorize like the merchant category to be travel. Normally, 788 00:38:12,280 --> 00:38:14,759 Speaker 3: if you buy direct from Disney, it's entertainment, That's how 789 00:38:14,800 --> 00:38:16,960 Speaker 3: it comes up. But if you buy through a travel 790 00:38:17,000 --> 00:38:21,920 Speaker 3: agent or a site like Undercover Tourist, that will. 791 00:38:21,760 --> 00:38:25,280 Speaker 2: Category travel and so then you can get your points 792 00:38:25,360 --> 00:38:32,160 Speaker 2: to count towards those purchases exactly, effectively erasing it. That's 793 00:38:32,200 --> 00:38:32,760 Speaker 2: good stuff. 794 00:38:33,040 --> 00:38:35,160 Speaker 3: Yeah, there's a lot of little tips and tricks and 795 00:38:35,200 --> 00:38:38,120 Speaker 3: hacks at Disney even you know, on how to say, 796 00:38:38,320 --> 00:38:41,680 Speaker 3: like I just was did a webinar on most people 797 00:38:41,680 --> 00:38:43,560 Speaker 3: think about, like how do I cobble together all these 798 00:38:43,600 --> 00:38:46,560 Speaker 3: little discounts. Well, you can do that, I mean the 799 00:38:46,560 --> 00:38:48,280 Speaker 3: big ones like oh, free water, you can go anywhere 800 00:38:48,320 --> 00:38:51,360 Speaker 3: and get free water at Disney, right, you can do that, 801 00:38:51,560 --> 00:38:53,839 Speaker 3: or you can learn how to just cover the whole 802 00:38:53,880 --> 00:38:57,600 Speaker 3: thing in its entirety with travel rewards, which just pales 803 00:38:57,640 --> 00:39:00,239 Speaker 3: in comparison, because like the average cost right now now 804 00:39:00,239 --> 00:39:02,360 Speaker 3: to go to Disney is on the cheap end, forty 805 00:39:02,400 --> 00:39:04,960 Speaker 3: eight hundred on the expensive end, this for family for 806 00:39:05,360 --> 00:39:06,759 Speaker 3: ten thousand dollars. 807 00:39:06,760 --> 00:39:07,560 Speaker 2: Wow, easily. 808 00:39:07,680 --> 00:39:09,000 Speaker 3: Yeah, that's a huge savings. 809 00:39:09,040 --> 00:39:12,120 Speaker 1: It's like Cuponic for catchup versus travel awards in Jet. 810 00:39:12,200 --> 00:39:14,600 Speaker 2: Again, there are way more zeros at the end of 811 00:39:14,680 --> 00:39:18,000 Speaker 2: that Disney trip than Disney cookies. 812 00:39:19,040 --> 00:39:22,040 Speaker 3: It more and more expensive, so the need to figure 813 00:39:22,080 --> 00:39:25,520 Speaker 3: out a way to make it doable is becoming more 814 00:39:25,560 --> 00:39:26,640 Speaker 3: and more important, you. 815 00:39:26,600 --> 00:39:28,919 Speaker 2: Know, sure, that's right. Yeah, Well, okay, so we're gonna 816 00:39:29,120 --> 00:39:32,040 Speaker 2: We've got a few more questions for you, specifically regarding 817 00:39:32,120 --> 00:39:33,839 Speaker 2: I guess some of the other ways that folks can 818 00:39:33,920 --> 00:39:36,360 Speaker 2: vacation other places that they might want to fly to 819 00:39:36,600 --> 00:39:43,359 Speaker 2: and we will get to those questions right after this break. 820 00:39:49,239 --> 00:39:51,160 Speaker 1: We're back from the break. We're still talking with Lynn 821 00:39:51,320 --> 00:39:56,480 Speaker 1: Metler about family travel for free. And Lynn, Matt and 822 00:39:56,520 --> 00:39:59,239 Speaker 1: I we were just remarking the other day about this 823 00:39:59,280 --> 00:40:00,920 Speaker 1: new cruise ship that just launch. I don't know if 824 00:40:00,920 --> 00:40:03,400 Speaker 1: you saw it. It's called Icon of the Seas. It's got 825 00:40:03,880 --> 00:40:06,920 Speaker 1: twenty decks something. I mean, it looks like a city 826 00:40:06,960 --> 00:40:09,439 Speaker 1: floating on the water. It looks like a Disney theme park, 827 00:40:09,520 --> 00:40:13,920 Speaker 1: like smushed onto a boat. Basically, basically it's kind of preposterous. 828 00:40:13,960 --> 00:40:16,600 Speaker 1: But speaking when we saw that, we were like, well, well, 829 00:40:16,680 --> 00:40:19,960 Speaker 1: let's ask Lynn about getting a deal on a cruise 830 00:40:20,200 --> 00:40:22,520 Speaker 1: or cruising for free. I know a lot of people 831 00:40:22,719 --> 00:40:24,880 Speaker 1: you specialize in flying hotels, day stuff like that, but 832 00:40:24,880 --> 00:40:26,520 Speaker 1: what about cruises, Like, do you have any tips for 833 00:40:26,560 --> 00:40:29,759 Speaker 1: people who want to get out on the water, And yeah, 834 00:40:29,760 --> 00:40:31,000 Speaker 1: that's the way they prefer to travel. 835 00:40:31,040 --> 00:40:33,120 Speaker 3: So I'm not a cruiser, but a lot of my 836 00:40:33,640 --> 00:40:37,319 Speaker 3: followers are, and so we do talk about cruising. There 837 00:40:37,400 --> 00:40:40,200 Speaker 3: aren't a ton of great ways to save on a cruise. 838 00:40:40,280 --> 00:40:42,800 Speaker 3: You can kind of use my trick there on Disney 839 00:40:42,880 --> 00:40:46,000 Speaker 3: to pay for a cruise and use a card like 840 00:40:46,040 --> 00:40:49,200 Speaker 3: that that erases travel purchases. That would be a way 841 00:40:49,480 --> 00:40:51,759 Speaker 3: that you could go at it, you know. And there's 842 00:40:51,800 --> 00:40:54,839 Speaker 3: other things about like certain times of year that are 843 00:40:54,960 --> 00:40:58,839 Speaker 3: better to book cruises than others. But Disney cruises are 844 00:40:58,960 --> 00:41:03,959 Speaker 3: very expensive as well but popular. So a cruising isn't 845 00:41:04,000 --> 00:41:07,080 Speaker 3: my favorite thing to do. It's nice in that you 846 00:41:07,080 --> 00:41:08,719 Speaker 3: get to see a lot of places in a short 847 00:41:08,760 --> 00:41:11,600 Speaker 3: amount of time, but I don't know. We like more 848 00:41:11,640 --> 00:41:14,439 Speaker 3: of the We like about every other kind of trip 849 00:41:14,480 --> 00:41:17,400 Speaker 3: except for except for a cruise. That's one thing that 850 00:41:17,440 --> 00:41:17,880 Speaker 3: we don't. 851 00:41:17,920 --> 00:41:21,239 Speaker 2: Len's Cup I've never done. Yeah either, but. 852 00:41:21,760 --> 00:41:23,920 Speaker 3: Good people watching, I'll say that I. 853 00:41:23,920 --> 00:41:26,200 Speaker 1: Feel like it would be I've only partially. There's a 854 00:41:26,200 --> 00:41:27,440 Speaker 1: couple I'd love to do. I want to do an 855 00:41:27,480 --> 00:41:29,279 Speaker 1: Alaskan cruise someday because I hear you can get views 856 00:41:29,280 --> 00:41:31,560 Speaker 1: of Alaska that you can't get from them from the mainland. 857 00:41:31,880 --> 00:41:34,040 Speaker 1: But for the most part I'm not interested either. 858 00:41:34,440 --> 00:41:37,160 Speaker 3: Yeah, European River cruise, that one's also would be of 859 00:41:37,200 --> 00:41:38,960 Speaker 3: interest to me. Haven't done that yet, but I think 860 00:41:38,960 --> 00:41:40,959 Speaker 3: that would be good on a small boat. 861 00:41:41,120 --> 00:41:43,360 Speaker 2: So Okay, so we're talking about cruises, are there some 862 00:41:43,400 --> 00:41:47,200 Speaker 2: other From a trends standpoint, have you seen or noticed 863 00:41:47,600 --> 00:41:50,520 Speaker 2: deals when it comes to different destinations, like, for instance, 864 00:41:50,600 --> 00:41:52,400 Speaker 2: seeing some different headlines as well as far as more 865 00:41:52,440 --> 00:41:55,600 Speaker 2: folks going to Europe. Everyone's done the local US thing 866 00:41:55,800 --> 00:41:58,319 Speaker 2: after the pandemic. Everyone's got their road trips in, they've 867 00:41:58,320 --> 00:42:01,760 Speaker 2: seen all the national parks. Is travel to Europe more expensive? 868 00:42:01,920 --> 00:42:04,120 Speaker 2: Is it more affordable now to go down to the Caribbean? 869 00:42:04,440 --> 00:42:05,640 Speaker 2: Have you noticed anything like that? 870 00:42:05,920 --> 00:42:09,680 Speaker 3: Well, I mean, Europe prices are through the roof right now. 871 00:42:09,760 --> 00:42:12,920 Speaker 3: So the average flight to Europe is twelve hundred dollars, 872 00:42:13,080 --> 00:42:17,920 Speaker 3: and you know it's we were just in Paris, but 873 00:42:18,239 --> 00:42:20,960 Speaker 3: it's definitely it's bursting at the seams in places like 874 00:42:21,120 --> 00:42:24,960 Speaker 3: Rome and Venice and Paris and all of that. Like 875 00:42:25,000 --> 00:42:28,440 Speaker 3: I think everyone this summer went international. So I keep 876 00:42:28,480 --> 00:42:32,040 Speaker 3: reading stories about Airbnb suffering because they're not having as 877 00:42:32,080 --> 00:42:36,560 Speaker 3: many bookings because everyone's overseas right now. You know, national 878 00:42:36,640 --> 00:42:40,239 Speaker 3: parks have been, you know, continually at capacity. We have 879 00:42:40,360 --> 00:42:42,920 Speaker 3: started to avoid those now because you have to have 880 00:42:42,960 --> 00:42:45,200 Speaker 3: so many reservations. And even when you go, like I 881 00:42:45,200 --> 00:42:46,920 Speaker 3: feel like we're on hikes and we're like backing up 882 00:42:46,920 --> 00:42:49,359 Speaker 3: against rocks to let people through, and that's not what 883 00:42:49,400 --> 00:42:51,840 Speaker 3: you want. The whole idea is to be out in 884 00:42:52,000 --> 00:42:54,560 Speaker 3: nature and get away. So I'm kind of ready for 885 00:42:54,960 --> 00:42:57,160 Speaker 3: that to kind of slow down, you know, people to 886 00:42:57,160 --> 00:43:01,319 Speaker 3: get over hitting all these major national parks. But I mean, 887 00:43:01,360 --> 00:43:03,880 Speaker 3: in terms of deals, I try to look at where 888 00:43:04,000 --> 00:43:07,520 Speaker 3: is everybody not going right now? So, like I always 889 00:43:07,560 --> 00:43:10,200 Speaker 3: talk about spring break because everyone wants to go to 890 00:43:10,239 --> 00:43:13,080 Speaker 3: Florida or the Caribbean. Because I live in Indiana. It 891 00:43:13,120 --> 00:43:16,000 Speaker 3: gets cold here. We've about had it by January, you know, 892 00:43:17,200 --> 00:43:19,160 Speaker 3: but we try and so we're like, please, we need 893 00:43:19,200 --> 00:43:21,799 Speaker 3: to get somewhere warm. But what we've done in the past, 894 00:43:21,960 --> 00:43:24,400 Speaker 3: it's just expensive to go anywhere in Florida or anything 895 00:43:24,440 --> 00:43:26,920 Speaker 3: over spring break. Is like one year we went to 896 00:43:27,080 --> 00:43:30,960 Speaker 3: Utah and we did hike you know, Zion and Bryce 897 00:43:31,040 --> 00:43:34,080 Speaker 3: Canyon because it was warm enough there that we could 898 00:43:34,120 --> 00:43:36,839 Speaker 3: do it, and then there was nobody there. So if 899 00:43:36,840 --> 00:43:40,200 Speaker 3: you can kind of take that approach of going where 900 00:43:40,200 --> 00:43:43,759 Speaker 3: everybody else is not thinking of going, that's a way 901 00:43:43,840 --> 00:43:46,040 Speaker 3: you can score you know, some better deals. 902 00:43:46,680 --> 00:43:50,040 Speaker 1: Okay, is it possible to get deals on airbnbs, like 903 00:43:50,120 --> 00:43:53,360 Speaker 1: to pay little to nothing for an airbnb? Stand it 904 00:43:53,360 --> 00:43:56,560 Speaker 1: seems like it's easier for hotels because you can book 905 00:43:56,560 --> 00:43:59,880 Speaker 1: them through something like the Capitol One or Chase Portal 906 00:44:00,480 --> 00:44:03,799 Speaker 1: or you know, they even have hotel specific cards like 907 00:44:03,840 --> 00:44:07,880 Speaker 1: the Intercontinental Hotel Group Premier Card or something like that, 908 00:44:07,880 --> 00:44:10,360 Speaker 1: which can be pretty rewarding. But so it seems like 909 00:44:10,400 --> 00:44:12,760 Speaker 1: it's easier to get free hotel stays. But what about 910 00:44:12,920 --> 00:44:14,960 Speaker 1: staying free at Airbnb? Is that possible? 911 00:44:15,320 --> 00:44:18,040 Speaker 3: So you can you can use again that the trick. 912 00:44:17,920 --> 00:44:19,680 Speaker 2: Of a travel expense. 913 00:44:20,800 --> 00:44:24,920 Speaker 3: Okay, very careful over there, because I think Airbnb codes 914 00:44:24,920 --> 00:44:29,920 Speaker 3: as travel and traditionally like Verbo and some of the 915 00:44:29,920 --> 00:44:32,799 Speaker 3: others did not. Now just I had a one of 916 00:44:32,800 --> 00:44:36,080 Speaker 3: my team members she booked a Verbo in the last 917 00:44:36,120 --> 00:44:39,879 Speaker 3: couple months and hers did categorize as travel. But you 918 00:44:39,960 --> 00:44:42,440 Speaker 3: just kind of never know for sure how that's going 919 00:44:42,480 --> 00:44:44,680 Speaker 3: to categorize. Airbnb seems to be a safe one that 920 00:44:44,719 --> 00:44:49,040 Speaker 3: you can use. And also when it comes to hotel stays, 921 00:44:49,560 --> 00:44:52,759 Speaker 3: like flying free is the easiest of it all. You 922 00:44:52,760 --> 00:44:55,239 Speaker 3: can just fly a whole lot more places for free 923 00:44:55,239 --> 00:44:57,360 Speaker 3: than you will ever be able to stay for free. 924 00:44:57,719 --> 00:45:00,399 Speaker 3: So when I have people that, like, I don't people 925 00:45:00,400 --> 00:45:02,400 Speaker 3: to think they're always going to be able to stay 926 00:45:02,440 --> 00:45:05,120 Speaker 3: for free. You should be able to get some free 927 00:45:05,160 --> 00:45:09,560 Speaker 3: hotel stays, but not always. And like in Families f Libory, 928 00:45:09,640 --> 00:45:12,439 Speaker 3: we try to teach people not just how to get 929 00:45:12,480 --> 00:45:15,400 Speaker 3: flights free and stay free, but how to save on 930 00:45:15,480 --> 00:45:18,359 Speaker 3: the whole trip. Because even if we can fly free 931 00:45:18,400 --> 00:45:20,560 Speaker 3: six times a year, there's a lot of other expenses 932 00:45:20,600 --> 00:45:23,319 Speaker 3: that come with that, like car rentals and eating out 933 00:45:23,400 --> 00:45:26,759 Speaker 3: and the activities. So we try to show people here's 934 00:45:26,760 --> 00:45:28,360 Speaker 3: how to get the best deal on a car rental, 935 00:45:28,360 --> 00:45:31,120 Speaker 3: and or we talk about renting other people's time shares 936 00:45:31,600 --> 00:45:34,160 Speaker 3: as a good option where you're out of pocket but 937 00:45:34,200 --> 00:45:37,600 Speaker 3: it's very cheap. So that could be an alternative to 938 00:45:37,960 --> 00:45:40,040 Speaker 3: booking end points at a hotel and you get you know, 939 00:45:40,080 --> 00:45:41,960 Speaker 3: the space of a vacation rental. 940 00:45:42,080 --> 00:45:43,759 Speaker 1: You know, can I can I ask where you would 941 00:45:43,760 --> 00:45:46,120 Speaker 1: book somebody's timeshare? Would that be like through vacation dot 942 00:45:46,200 --> 00:45:47,120 Speaker 1: com or something like that. 943 00:45:47,640 --> 00:45:51,400 Speaker 3: Well, you can do that. The better thing to do 944 00:45:51,520 --> 00:45:53,759 Speaker 3: is if you can find someone to work direct with, 945 00:45:53,880 --> 00:45:55,439 Speaker 3: So like we let our members, we have a lot 946 00:45:55,480 --> 00:45:58,320 Speaker 3: of timeshare members in there, like with Wyndham and Marriott 947 00:45:58,320 --> 00:45:59,880 Speaker 3: and Disney Vacation Club, which I'm a member of. 948 00:46:00,120 --> 00:46:00,200 Speaker 2: To. 949 00:46:01,160 --> 00:46:02,840 Speaker 3: And so if you can work direct with someone, you 950 00:46:02,880 --> 00:46:05,440 Speaker 3: cut out the middleman because they're going to take their cut, 951 00:46:05,640 --> 00:46:10,000 Speaker 3: right sure, So like Koala is a site I'm trying 952 00:46:10,000 --> 00:46:11,879 Speaker 3: to think with the other there's another big one out 953 00:46:11,920 --> 00:46:14,000 Speaker 3: there that you can do time shares, but it's more 954 00:46:14,040 --> 00:46:17,480 Speaker 3: expensive that way because they're taking their middleman cut. So 955 00:46:17,520 --> 00:46:20,360 Speaker 3: if you can there's like Facebook groups and some different ways, 956 00:46:20,440 --> 00:46:23,319 Speaker 3: or if you just know someone that you can work 957 00:46:23,360 --> 00:46:25,840 Speaker 3: directly with, that's a way you can really score a 958 00:46:25,880 --> 00:46:28,440 Speaker 3: deal and you can't use points for that one, but 959 00:46:28,560 --> 00:46:29,600 Speaker 3: it'll be cheap, you know. 960 00:46:30,719 --> 00:46:32,640 Speaker 2: Now, that's great. Yeah, again, just another way to kind 961 00:46:32,680 --> 00:46:36,200 Speaker 2: of think outside the box and avoid doing whatever it 962 00:46:36,280 --> 00:46:38,560 Speaker 2: is that everybody else is doing, whether that's the destination 963 00:46:38,760 --> 00:46:41,399 Speaker 2: like Europe, certainly avoid that right now. But also when 964 00:46:41,400 --> 00:46:44,319 Speaker 2: it comes to maybe your lodging wherever it is that 965 00:46:44,360 --> 00:46:46,920 Speaker 2: you're looking to stay. But Lynn, one last question here 966 00:46:46,920 --> 00:46:48,880 Speaker 2: for you, like, what do you think are some of 967 00:46:48,920 --> 00:46:52,239 Speaker 2: the just honestly the biggest mistakes that folks make when 968 00:46:52,360 --> 00:46:55,000 Speaker 2: they are trying to travel for free? Right, So this 969 00:46:55,120 --> 00:46:57,480 Speaker 2: isn't just the folks who are out there just say Okay, 970 00:46:57,480 --> 00:46:59,200 Speaker 2: I'm gonna go on vacation I'm going to book it. 971 00:46:59,239 --> 00:47:01,120 Speaker 2: But folks who are actually trying to do it on 972 00:47:01,200 --> 00:47:03,440 Speaker 2: the cheap, folks who are trying to find find those 973 00:47:03,440 --> 00:47:06,399 Speaker 2: different deals, what mistakes are those folks making and how 974 00:47:06,480 --> 00:47:08,480 Speaker 2: is it they can avoid this pitfalls? 975 00:47:09,280 --> 00:47:12,160 Speaker 3: Well, when it comes to travel rewards, I think people 976 00:47:12,280 --> 00:47:14,960 Speaker 3: learn about this concept and they're like, oh my gosh, 977 00:47:15,000 --> 00:47:17,919 Speaker 3: this is amazing, Like I did this same thing right, 978 00:47:17,960 --> 00:47:21,040 Speaker 3: and so you're like, you see all these card offers 979 00:47:21,080 --> 00:47:23,279 Speaker 3: out there and they have a limited time, like and 980 00:47:23,360 --> 00:47:26,120 Speaker 3: I got sucked into like an American Airlines one, right, 981 00:47:26,560 --> 00:47:28,480 Speaker 3: but I had no plan for how I was going 982 00:47:28,560 --> 00:47:30,680 Speaker 3: to use those miles, didn't know anything about it. I 983 00:47:30,719 --> 00:47:33,640 Speaker 3: was like, oh, that's that's high bonus and it's going away. 984 00:47:34,200 --> 00:47:37,640 Speaker 3: And so I think the mistake is not having a 985 00:47:37,640 --> 00:47:40,000 Speaker 3: plan right. You need to figure out where you want 986 00:47:40,000 --> 00:47:42,759 Speaker 3: to go and and how how many points and in 987 00:47:42,840 --> 00:47:45,080 Speaker 3: what system do you need to get there, and then 988 00:47:45,200 --> 00:47:48,279 Speaker 3: you can decide, Okay, then what cards do I want 989 00:47:48,320 --> 00:47:50,920 Speaker 3: to add into the system, Because that's how you end 990 00:47:51,000 --> 00:47:53,919 Speaker 3: up with all these extra cards that you that get 991 00:47:53,920 --> 00:47:57,799 Speaker 3: overwhelming and confusing, you know, is when you're just don't 992 00:47:57,840 --> 00:48:01,719 Speaker 3: have a strategy right, randomly taking offer so I think 993 00:48:01,719 --> 00:48:03,120 Speaker 3: that's a big one. And the other one that I 994 00:48:03,160 --> 00:48:05,200 Speaker 3: would tell everyone to make sure you're not doing is 995 00:48:06,280 --> 00:48:08,399 Speaker 3: is putting all your spending on an airline card. I 996 00:48:08,480 --> 00:48:11,799 Speaker 3: just see that one over and over and over and 997 00:48:11,880 --> 00:48:15,719 Speaker 3: over again, and just that little shift to a flexible 998 00:48:15,800 --> 00:48:20,279 Speaker 3: card can make a huge difference in your ability to 999 00:48:21,840 --> 00:48:23,960 Speaker 3: be a lot more flexible and earn a whole lot 1000 00:48:24,000 --> 00:48:24,719 Speaker 3: more points. 1001 00:48:25,239 --> 00:48:27,480 Speaker 1: Len, that's awesome. Thank you so much for taking the time. 1002 00:48:27,520 --> 00:48:29,799 Speaker 1: Thanks for all the advice and the tips today. We 1003 00:48:29,840 --> 00:48:32,759 Speaker 1: really appreciate it. How can how do money listeners find 1004 00:48:32,760 --> 00:48:34,480 Speaker 1: out more about you and what you're up to? 1005 00:48:35,080 --> 00:48:38,200 Speaker 3: Sure? So you can go to familiesflyfree dot com and 1006 00:48:38,560 --> 00:48:41,280 Speaker 3: pretty much everywhere on social media. We are just Families 1007 00:48:41,320 --> 00:48:44,680 Speaker 3: fly Free. So I'm particularly on Instagram and YouTube. Those 1008 00:48:44,680 --> 00:48:46,560 Speaker 3: are probably my top two places if you want to 1009 00:48:46,680 --> 00:48:48,240 Speaker 3: check us out there, awesome. 1010 00:48:48,320 --> 00:48:50,480 Speaker 2: We will make sure to link to that and all 1011 00:48:50,520 --> 00:48:52,319 Speaker 2: that you've got to offer. Lynn, thank you so much 1012 00:48:52,360 --> 00:48:53,800 Speaker 2: for joining us today on the podcast. 1013 00:48:54,239 --> 00:48:55,359 Speaker 3: Thank you appreciate it. 1014 00:48:55,920 --> 00:48:59,360 Speaker 2: We appreciate Linn, don't we Joel, Yes, we do, manus 1015 00:48:59,680 --> 00:49:02,640 Speaker 2: so info. I feel like Lynn was able to put 1016 00:49:02,680 --> 00:49:06,560 Speaker 2: into perspective travel rewards and traveling for free in a 1017 00:49:06,560 --> 00:49:10,160 Speaker 2: way that we in a way that we quite haven't 1018 00:49:10,200 --> 00:49:13,160 Speaker 2: been able to decipher maybe from previous guests. Uh. And 1019 00:49:13,280 --> 00:49:15,719 Speaker 2: so my big takeaway is gonna be just kind of 1020 00:49:15,719 --> 00:49:18,920 Speaker 2: how she boiled it all down to a very simple approach, 1021 00:49:19,040 --> 00:49:21,239 Speaker 2: and she kind of, I guess hit on it again 1022 00:49:21,280 --> 00:49:22,920 Speaker 2: there at the end as far as sort of the 1023 00:49:22,960 --> 00:49:26,840 Speaker 2: biggest pitfall to avoid is that people start chasing some 1024 00:49:26,880 --> 00:49:29,880 Speaker 2: of these rewards without a plan, right, without a system. 1025 00:49:30,080 --> 00:49:31,640 Speaker 2: And she actually said to kind of choose to. 1026 00:49:31,920 --> 00:49:34,480 Speaker 1: Think of like someone running at three mile race or 1027 00:49:34,480 --> 00:49:35,680 Speaker 1: something like that, if you call out in the first 1028 00:49:35,680 --> 00:49:37,600 Speaker 1: two miles, sorry, it doesn't matter how big of a 1029 00:49:37,680 --> 00:49:40,560 Speaker 1: lead you built up. If you're exhausted, then then you're 1030 00:49:40,560 --> 00:49:42,440 Speaker 1: gonna lose. Or in reality, if you don't even know 1031 00:49:42,480 --> 00:49:44,759 Speaker 1: that you're running a five k but it turns out, 1032 00:49:44,800 --> 00:49:47,000 Speaker 1: oh shoot, this is a marathon. Yeah, it's a it's 1033 00:49:47,040 --> 00:49:49,440 Speaker 1: a completely different approach. And she said to kind of 1034 00:49:49,440 --> 00:49:50,920 Speaker 1: figure out where it is that you're wann to fly, 1035 00:49:51,000 --> 00:49:53,200 Speaker 1: but you don't always know I guess where it is 1036 00:49:53,239 --> 00:49:55,000 Speaker 1: that you're gonna fly, and you don't always know where 1037 00:49:55,040 --> 00:49:57,279 Speaker 1: the deals are gonna be. But then she followed that 1038 00:49:57,400 --> 00:49:59,680 Speaker 1: up with find a system, figure out a system that's 1039 00:49:59,680 --> 00:50:02,000 Speaker 1: gonna work for you. And that's I think what's so 1040 00:50:02,080 --> 00:50:05,640 Speaker 1: great about how she approaches this and to specifically get 1041 00:50:05,680 --> 00:50:08,520 Speaker 1: that companion pass with Southwest, how that can essentially knock 1042 00:50:08,560 --> 00:50:11,720 Speaker 1: out eighty percent of your cost right there, your ability 1043 00:50:11,719 --> 00:50:14,400 Speaker 1: to fly I mean Southwest. They don't only fly in 1044 00:50:14,440 --> 00:50:18,000 Speaker 1: the US, but also up in what Canada some Mexico 1045 00:50:18,200 --> 00:50:20,640 Speaker 1: destinations to the Caribbean. Can't get to Paris, you can't 1046 00:50:20,640 --> 00:50:22,920 Speaker 1: get everywhere, but that that'll at least for a lot 1047 00:50:22,960 --> 00:50:27,400 Speaker 1: of domestic stuff and for the best deals on domestic airfare, 1048 00:50:27,480 --> 00:50:30,279 Speaker 1: Southwest is going to be And it's nobody less point. 1049 00:50:30,280 --> 00:50:31,920 Speaker 1: You're gonna use so many less of the points that 1050 00:50:31,960 --> 00:50:34,120 Speaker 1: you earned. Yes, when you fly on Southwest with some 1051 00:50:34,120 --> 00:50:34,520 Speaker 1: of the other. 1052 00:50:34,400 --> 00:50:36,560 Speaker 2: Airacome did the math. It's like you're talking about maybe 1053 00:50:36,600 --> 00:50:40,239 Speaker 2: five flights for every one Delta flight, and so how 1054 00:50:40,320 --> 00:50:44,279 Speaker 2: much is flying with delton? Hey, we're here in Atlanta, right, 1055 00:50:44,320 --> 00:50:47,399 Speaker 2: so we're like Delta. Homer's here. We like Delta. They're 1056 00:50:47,440 --> 00:50:51,320 Speaker 2: a great company. But is it worth five times Is 1057 00:50:51,320 --> 00:50:54,200 Speaker 2: it worth paying five times more effectively in points? Would 1058 00:50:54,200 --> 00:50:56,520 Speaker 2: you rather take four more flights in addition to that one, 1059 00:50:56,600 --> 00:50:59,000 Speaker 2: maybe that's what it is that you're looking for. Ultimately 1060 00:50:59,080 --> 00:51:01,000 Speaker 2: comes down to whatever aim it is that you're playing, 1061 00:51:01,000 --> 00:51:04,279 Speaker 2: but I really like her approach, specifically focusing on Southwest 1062 00:51:04,320 --> 00:51:07,120 Speaker 2: and figuring that out and then figuring out your destinations 1063 00:51:07,120 --> 00:51:07,840 Speaker 2: from there. 1064 00:51:07,600 --> 00:51:10,040 Speaker 1: And then yeah, like you said, filling in the nooks 1065 00:51:10,080 --> 00:51:12,600 Speaker 1: and crannies with that flexible car English muff, and how 1066 00:51:12,600 --> 00:51:14,960 Speaker 1: when you spread the butter over the top, that butter 1067 00:51:15,040 --> 00:51:16,360 Speaker 1: is going to seep into those boxs and crannies. And 1068 00:51:16,400 --> 00:51:18,160 Speaker 1: that's what those other cards are for the Capitol One, 1069 00:51:18,239 --> 00:51:20,800 Speaker 1: venture X and the Chastaffire Preferred. So if you just 1070 00:51:20,880 --> 00:51:23,239 Speaker 1: kind of take that three or four card strategy that 1071 00:51:23,280 --> 00:51:25,840 Speaker 1: she's mentioning, you can get a lot of your bases covered, 1072 00:51:25,840 --> 00:51:28,640 Speaker 1: and you can travel a lot for free, even if 1073 00:51:28,680 --> 00:51:31,280 Speaker 1: you have a family, which I think rocks so absolutely. 1074 00:51:31,280 --> 00:51:32,600 Speaker 1: We'll link to some of those, by the way, the 1075 00:51:32,640 --> 00:51:34,600 Speaker 1: show notes, we'll link to our credit card tool as well, 1076 00:51:34,760 --> 00:51:36,319 Speaker 1: which can help you see what the best sign up 1077 00:51:36,320 --> 00:51:38,719 Speaker 1: bonuses are on each of these cards. Although that's right, 1078 00:51:38,760 --> 00:51:40,880 Speaker 1: that's not even the only thing worth considering, but it 1079 00:51:41,040 --> 00:51:42,680 Speaker 1: is worth considering that. At the same time, our my 1080 00:51:42,719 --> 00:51:44,920 Speaker 1: big takeaway though from Lynn was let me hear it, 1081 00:51:45,080 --> 00:51:46,520 Speaker 1: she's it was kind of a mindset thing at the 1082 00:51:46,600 --> 00:51:48,880 Speaker 1: very beginning. She said, my approach is how much can 1083 00:51:48,920 --> 00:51:51,319 Speaker 1: I get for how little? And to me that is 1084 00:51:51,400 --> 00:51:54,160 Speaker 1: kind of uh got you written all over it. She's 1085 00:51:54,200 --> 00:51:57,120 Speaker 1: not necessarily looking for the cheapest piece of crap, which 1086 00:51:57,560 --> 00:51:59,759 Speaker 1: I used to be more in that kind of vein 1087 00:51:59,840 --> 00:52:03,080 Speaker 1: that mentality. But she's a value us and she's saying, listen, 1088 00:52:03,520 --> 00:52:05,520 Speaker 1: I want to take the same trip, or maybe even 1089 00:52:05,520 --> 00:52:07,480 Speaker 1: a better trip than most people get to take, but 1090 00:52:07,560 --> 00:52:11,480 Speaker 1: I don't want to spend my cold hard cash on 1091 00:52:11,480 --> 00:52:13,239 Speaker 1: that trip. And I thought it was amazing too. She 1092 00:52:13,280 --> 00:52:15,640 Speaker 1: doesn't come from this place where she was already traveling, 1093 00:52:15,680 --> 00:52:19,160 Speaker 1: but now she's saving. This process enabled her to travel 1094 00:52:19,280 --> 00:52:21,960 Speaker 1: and do things she never thought were even possible. So 1095 00:52:22,200 --> 00:52:23,880 Speaker 1: I think that's pretty cool and that you'd been inspiring 1096 00:52:23,920 --> 00:52:25,040 Speaker 1: to a lot of people out there who are like 1097 00:52:25,440 --> 00:52:27,839 Speaker 1: I too, wish I could travel, but it doesn't seem 1098 00:52:27,880 --> 00:52:29,840 Speaker 1: like there's any way for me to make that happen. 1099 00:52:30,000 --> 00:52:32,239 Speaker 1: And I think her simple strategy can help a lot 1100 00:52:32,239 --> 00:52:34,200 Speaker 1: of people get out there and see the country and 1101 00:52:34,239 --> 00:52:38,279 Speaker 1: even see the world while still kind of keeping a 1102 00:52:38,280 --> 00:52:40,960 Speaker 1: pretty good budget and saving and investing a good bit 1103 00:52:41,000 --> 00:52:41,480 Speaker 1: of their money. 1104 00:52:41,560 --> 00:52:43,719 Speaker 2: Yeah. Yeah, you could either drastically cut back on your 1105 00:52:43,719 --> 00:52:45,960 Speaker 2: travel budget and travel just as much as you were before, 1106 00:52:46,360 --> 00:52:49,640 Speaker 2: or you could continue spending how much you have been 1107 00:52:49,680 --> 00:52:52,160 Speaker 2: spending and just see a you know and do and 1108 00:52:52,200 --> 00:52:54,799 Speaker 2: travel a lot more. It kind of again depends on 1109 00:52:54,960 --> 00:52:57,760 Speaker 2: what your situation is and how much money you're willing 1110 00:52:57,800 --> 00:53:01,560 Speaker 2: to put towards travel. But Joel mentioned the beer that 1111 00:53:01,640 --> 00:53:04,520 Speaker 2: you and I got to share during this episode. This 1112 00:53:04,600 --> 00:53:07,799 Speaker 2: is another halfway Crooks beer. And I think the way 1113 00:53:07,920 --> 00:53:11,320 Speaker 2: that you say this is Cha said DJ. So literally 1114 00:53:11,320 --> 00:53:12,719 Speaker 2: says that on that side. 1115 00:53:12,880 --> 00:53:12,960 Speaker 3: Like. 1116 00:53:14,840 --> 00:53:17,359 Speaker 2: You're supposed to say it as Chase the DJ. But 1117 00:53:17,560 --> 00:53:20,759 Speaker 2: so this is an Italian style pilsner, and it's Cha, 1118 00:53:21,080 --> 00:53:24,520 Speaker 2: said d DJ, Like not DJ, Yeah, it's like Chase 1119 00:53:24,560 --> 00:53:27,319 Speaker 2: a DJ. Yeah almost. Oh what does that mean? 1120 00:53:27,719 --> 00:53:28,560 Speaker 1: I forget. 1121 00:53:29,920 --> 00:53:30,480 Speaker 2: Season the day. 1122 00:53:30,680 --> 00:53:33,000 Speaker 1: Spanish is rusty, So this is I guess in Italian. 1123 00:53:33,080 --> 00:53:35,160 Speaker 1: But if only we were drinking it on the Amalfi 1124 00:53:35,200 --> 00:53:36,480 Speaker 1: coast or something like that, I would. 1125 00:53:36,280 --> 00:53:38,600 Speaker 2: Think, if only we had a way of figuring out 1126 00:53:38,640 --> 00:53:41,160 Speaker 2: how to get there, fly there for free what we do. 1127 00:53:41,400 --> 00:53:44,480 Speaker 2: But this is the kind of beer that I want 1128 00:53:44,480 --> 00:53:47,359 Speaker 2: to be drinking while enjoying a nice pizza, like a 1129 00:53:47,560 --> 00:53:51,839 Speaker 2: Neapolitana style. Right, so's you got that brick or another 1130 00:53:51,880 --> 00:53:54,799 Speaker 2: brick oven, but but a wood burning oven, and they've 1131 00:53:54,800 --> 00:53:56,759 Speaker 2: got the pizza in there, the rotating it around, maybe 1132 00:53:56,760 --> 00:53:58,879 Speaker 2: a little bit of spice. Because of that, you need 1133 00:53:59,040 --> 00:54:02,439 Speaker 2: just a nice, cold, but very clean drinking beer. 1134 00:54:02,560 --> 00:54:03,960 Speaker 1: I don't want's what you get with this in I 1135 00:54:04,040 --> 00:54:06,279 Speaker 1: p A. You don't want the like the you know, 1136 00:54:06,560 --> 00:54:09,239 Speaker 1: massive hot punch to come right after that massive pizza punch. 1137 00:54:09,480 --> 00:54:11,560 Speaker 1: You want something a little more dialed back. This is 1138 00:54:11,600 --> 00:54:14,120 Speaker 1: exactly that. This did have flavor though, Like it wasn't 1139 00:54:14,160 --> 00:54:17,040 Speaker 1: flavorless like a lot of the macro style pills nurs. 1140 00:54:17,120 --> 00:54:17,440 Speaker 2: This one. 1141 00:54:17,520 --> 00:54:20,120 Speaker 1: This had a lot going on unlike the macro pills 1142 00:54:20,200 --> 00:54:22,680 Speaker 1: nerves that most people just like water. Yeah, it was 1143 00:54:22,760 --> 00:54:25,200 Speaker 1: like sweat or what it tastes like your uncle used 1144 00:54:25,239 --> 00:54:27,440 Speaker 1: to smell. Right, and so this is glad. 1145 00:54:27,200 --> 00:54:27,840 Speaker 2: You follow that up. 1146 00:54:29,880 --> 00:54:33,640 Speaker 1: This is much more refined than the traditional pilsner you're 1147 00:54:33,719 --> 00:54:34,279 Speaker 1: used to, the. 1148 00:54:34,200 --> 00:54:36,759 Speaker 2: Macro produced Italian so it's kind of got that euro 1149 00:54:36,880 --> 00:54:39,520 Speaker 2: pills flavor. I don't know how to describe it, like, well, 1150 00:54:39,560 --> 00:54:42,319 Speaker 2: maybe I do like it reminds me of like the 1151 00:54:42,320 --> 00:54:45,399 Speaker 2: fresh garden hose or fresh popping open a fresh can 1152 00:54:45,440 --> 00:54:48,319 Speaker 2: of tennis balls, sort of like that. Maybe that like 1153 00:54:48,320 --> 00:54:51,440 Speaker 2: that slight rubberiness that wine drinkers that you sometimes you 1154 00:54:51,480 --> 00:54:54,200 Speaker 2: get with like a reasling. I think that's accurate. I 1155 00:54:54,239 --> 00:54:55,839 Speaker 2: don't know if. I don't know if if the wine 1156 00:54:55,840 --> 00:54:58,160 Speaker 2: part is accurate, but that sort of rubber element is 1157 00:54:58,440 --> 00:55:00,759 Speaker 2: totally what I taste. But yeah, I totally agree this. 1158 00:55:01,120 --> 00:55:03,719 Speaker 2: You don't want to drink of super flavorful beer, Like 1159 00:55:03,719 --> 00:55:06,160 Speaker 2: the last thing you want is a barrel aged spicy 1160 00:55:06,719 --> 00:55:09,800 Speaker 2: stout or something like that when you're eating a pizza 1161 00:55:09,920 --> 00:55:12,920 Speaker 2: or honestly any food. I rarely drink great beers when 1162 00:55:12,920 --> 00:55:15,000 Speaker 2: I'm eating great now. If I am, I want it 1163 00:55:15,000 --> 00:55:17,719 Speaker 2: after the fact. It's something really basic. I tend to 1164 00:55:17,800 --> 00:55:20,919 Speaker 2: enjoy my beers either before dinner or after I eat. Yeah, 1165 00:55:20,960 --> 00:55:22,360 Speaker 2: just like you. So it makes a lot of sense. 1166 00:55:22,560 --> 00:55:25,320 Speaker 1: Otherwise you're losing some of the greatness and the flavor 1167 00:55:25,360 --> 00:55:27,120 Speaker 1: of that beer, totally getting lost in the food. 1168 00:55:27,239 --> 00:55:28,960 Speaker 2: That's right. Yeah, So glad you and I got to 1169 00:55:29,000 --> 00:55:31,120 Speaker 2: enjoy this one, and I'm glad that we got to 1170 00:55:31,320 --> 00:55:34,319 Speaker 2: chat with our friend Lynn Metler today, will make sure 1171 00:55:34,320 --> 00:55:36,840 Speaker 2: to link to not only her site and where you 1172 00:55:36,880 --> 00:55:41,320 Speaker 2: can check out her membership program, the Famili's Fly Free group. 1173 00:55:41,360 --> 00:55:44,200 Speaker 2: She's got an awesome cohort there. But we'll link to 1174 00:55:44,239 --> 00:55:46,600 Speaker 2: some of the specific cards that we mentioned as well, 1175 00:55:46,640 --> 00:55:49,320 Speaker 2: so that you can start along this path of taking 1176 00:55:49,440 --> 00:55:51,400 Speaker 2: advantage of some of the different travel rewards that these 1177 00:55:51,440 --> 00:55:54,280 Speaker 2: cards are offering. Jill, I really do see more travel 1178 00:55:54,280 --> 00:55:56,319 Speaker 2: in our future. I think you do as well. And 1179 00:55:56,480 --> 00:55:58,040 Speaker 2: I think a large part of that is going to 1180 00:55:58,080 --> 00:56:00,560 Speaker 2: be because of how it is that Lynn approaches travel. Yeah. 1181 00:56:00,560 --> 00:56:02,319 Speaker 2: I just don't want to pay for it, right, So, yeah, 1182 00:56:02,400 --> 00:56:03,719 Speaker 2: and I don't have to think about it too much. 1183 00:56:04,520 --> 00:56:06,360 Speaker 1: That's the other half of I don't want to complicate 1184 00:56:06,400 --> 00:56:07,719 Speaker 1: it too much. Well, and some of the guys, some 1185 00:56:07,800 --> 00:56:10,239 Speaker 1: of the influencers out there definitely do that Lind does not, 1186 00:56:10,400 --> 00:56:11,920 Speaker 1: So all right, Matt, that's going to do it for 1187 00:56:11,960 --> 00:56:14,480 Speaker 1: this episode. You can find show notes, links to some 1188 00:56:14,560 --> 00:56:16,560 Speaker 1: of the cards we mentioned, links to lind site. Will 1189 00:56:16,560 --> 00:56:18,480 Speaker 1: put all that up on the website at how to 1190 00:56:18,560 --> 00:56:20,840 Speaker 1: money dot com. That's right, buddy, So that's gonna be 1191 00:56:20,880 --> 00:56:24,040 Speaker 1: it until next time. Best Friends Out, Best Friends Out,