Earning Points on Taxes, Navigating Market Volatility, Stacking Deals and More

00:00:00.080 | Tax season is here, and if you're like most people, you probably just want to get it over with.

00:00:04.480 | But I want to show you how to actually get value out of it.

00:00:07.100 | So today, I'll quickly walk through why paying taxes with a credit card can be an incredible way

00:00:11.720 | to rack up points or even make money.

00:00:14.100 | Then I want to run through a ton of actionable hacks from the past few weeks,

00:00:17.660 | from teaching my kids to make serious money reselling gift cards and using card-linked offers,

00:00:22.160 | to a massive sign-up bonus, to stacking deals to get up to 30% off a Peloton,

00:00:26.760 | to sharing how changing the currency or location on your browser can actually save you a ton.

00:00:31.880 | And finally, given the current market climate, I want to go deep on how I'm thinking about investing right now

00:00:37.460 | after we've all seen the S&P 500 drop 10% in two days.

00:00:41.540 | This episode's a little bit of an experiment in last-minute production,

00:00:44.380 | but it is also packed with a ton of tactics and practical takeaways.

00:00:48.240 | So if you enjoy it, please share it with a friend or leave a comment or review.

00:00:52.160 | And if you want to keep upgrading your life, money, and travel, click follow or subscribe.

00:00:56.340 | First, I want to talk about taxes, which I know is really timely,

00:01:00.840 | but specifically paying your taxes by credit card,

00:01:03.780 | because I think it's a really interesting opportunity.

00:01:05.860 | And given that taxes are due in a few days, I thought it would be great to get this out quickly.

00:01:11.460 | Apologies for the voice.

00:01:13.220 | I'm a little hoarse, maybe getting sick, but didn't have time to wait,

00:01:17.220 | because I know this is happening soon and some things have changed.

00:01:20.920 | So first off, taxes are not necessarily due.

00:01:24.120 | You can file an extension, but your payments are due by April 15 or whatever day that gets

00:01:30.460 | slightly adjusted to every year based on the calendar and weekends.

00:01:34.680 | However, just to be clear, there are some safe harbor rules,

00:01:38.200 | so you can avoid paying penalties by paying at least 90% of what you owe this year

00:01:43.340 | or 100% of what you owed the prior year.

00:01:46.420 | So keep that in mind.

00:01:47.880 | Make sure you make your payments on time.

00:01:49.580 | But I wanted to talk about making payments by credit card,

00:01:52.180 | because I think it's a really great opportunity.

00:01:53.820 | Now, this is a little bit of a different kind of episode.

00:01:56.920 | It is much more off the cuff.

00:01:58.960 | In fact, I came up with the idea to put it out a few hours ago.

00:02:02.960 | I'm recording it just a few days before it comes out.

00:02:05.900 | Would love feedback on what this kind of off the cuff,

00:02:09.180 | little bit of a grab bag episode as we progress.

00:02:11.820 | What do you think?

00:02:12.740 | Feel free to send me an email, a DM on social or anything like that.

00:02:16.820 | First off, why would you want to pay your taxes by credit card?

00:02:19.060 | Because it is not free.

00:02:20.120 | There are fees.

00:02:21.000 | And the way I think about it is there's really only one reason,

00:02:23.860 | and that's that you're getting a positive ROI.

00:02:25.580 | Now, those fees range from as low as 1.75% all the way up to around 3%.

00:02:32.600 | We'll talk about that a little more, which means you need to be using a credit card that earns more than that for it to make sense.

00:02:39.860 | And I would argue a lot more than that, or at least a decent amount more than that, unless you're just interested in buying points.

00:02:49.000 | Now, that might be a thing you are interested in.

00:02:51.360 | There's no easy way to buy transferable points from most of the different banks out there.

00:02:56.320 | So, this could be an opportunity to buy some transferable points, but I think the really interesting opportunity is when you can use this to kind of earn more value than what you're paying.

00:03:08.540 | And that could even be a spread on cash back.

00:03:11.000 | Or if there's a signup bonus you're interested in, but it requires a high amount of minimum spend, but the ROI on that signup bonus is really high, this could be an opportunity to do that.

00:03:20.580 | So, let's talk a little bit about the mechanics.

00:03:22.760 | So, there are two providers right now that are directly easy to make credit card payments.

00:03:27.260 | I'll talk about a few other options, Pay1040 and ACI.

00:03:30.900 | Pay1040 is 1.75% for consumer and small business cards, 2.89% for commercial credit and debit.

00:03:39.000 | Then ACI is 1.85 and 2.95.

00:03:42.820 | So, in general, I would always be using Pay1040 unless you need to make more payments than you can make through Pay1040.

00:03:50.320 | And one thing is if you're noticing you are using a business card and it's showing up as 2.89%, double check if you use PayPal as the form of payment, if you can get that payment fee to show up as 1.75 or 1.85%.

00:04:06.220 | I think that's a good wrapper if you want to avoid the higher fee.

00:04:10.340 | So, if we're going to use the barrier as 1.75%, you can see a lot of circumstances where paying a credit card could make a lot of sense or even be profitable, right?

00:04:19.840 | If you had a 2% cashback card, it would be profitable.

00:04:22.180 | If you had a 2X points card where you get at least one cent of value, you could see that being better.

00:04:26.800 | If you have a card that earns even more than that, if you had the US Bank Smartly card earning 4%, or if you had a card earning a signup bonus where you were going to get 100,000 points,

00:04:36.640 | obviously those cases all make sense as well.

00:04:38.880 | So, first, make sure you know that you're going to get more value than this.

00:04:42.540 | Then, consider whether it makes sense.

00:04:44.920 | Now, these fees that I just mentioned are all for federal payments.

00:04:48.760 | Each state has their own rates and fees, so take a look into that specifically.

00:04:53.520 | As for how many payments you can make, technically, you're only supposed to be able to make two payments per tax period per type of payment.

00:05:00.120 | Meaning, if you have quarterly estimates and annual taxes, you could make two payments for each of those.

00:05:05.620 | From my experience and a lot of other people's experiences, that limit is actually set up on a per processor level,

00:05:12.000 | and the IRS doesn't seem to have a problem with you making two payments with Pay1040, two payments with ACI.

00:05:18.280 | You can also make payments in each person's name if you're filing jointly.

00:05:21.880 | They don't always get combined, and you may need to call the IRS to get them combined,

00:05:26.560 | but that is another option if you wanted to double the number of payments you want.

00:05:31.120 | Finally, if you want to make even more payments, there are services like Plastique and Melio,

00:05:35.140 | which I'll link to in the show notes, that have much higher fees, closer to 3%,

00:05:39.400 | but they would allow you to make more payments.

00:05:41.660 | And potentially, there might be some taxes that you can't make payments through the two main providers

00:05:47.260 | that those would allow you to make.

00:05:48.940 | Now, personal tax payment fees, those credit card fees, are not deductions,

00:05:53.860 | but if you are making business tax payments, they are.

00:05:57.020 | So especially if you owe any business-related taxes,

00:06:00.500 | the fact that the credit card fee is a deductible business expense makes this

00:06:03.440 | even a better deal for businesses.

00:06:06.640 | Now, if you want to go check all these payments you've made and make sure they show up,

00:06:11.060 | you can log into your tax account.

00:06:12.400 | You should be able to see all your payment histories.

00:06:14.200 | Another interesting thing, I can't promise the timeline by which this happens,

00:06:19.120 | but the IRS does say that overpayments will be refunded unless you owe a debt on your account.

00:06:24.940 | So I have heard people making payments beyond what they owe,

00:06:30.280 | and waiting and filing and getting a refund.

00:06:33.220 | But I have also heard of people, myself included, who have waited many months sometimes for those refunds.

00:06:38.580 | So definitely keep that in mind.

00:06:40.020 | Make sure you have a plan to pay off that credit card

00:06:42.800 | before you're expecting a refund to come in time for that bill to be due.

00:06:47.760 | So in general, this is a great opportunity, I think, for sign-up bonuses.

00:06:52.460 | Looking at a card, if you search around online, there are some cards that will even give you virtual card numbers,

00:06:58.420 | so you can use them right away.

00:07:00.340 | I've used almost all the tax payments we make at a minimum as an opportunity to make a small spread.

00:07:06.680 | I've talked recently about how we have a few different Bank of America cards.

00:07:11.140 | We've done the Platinum Honors track, which allows most of those cards to earn 2.625%.

00:07:18.280 | So at a minimum, if I'm going to owe the IRS money, I could take the 2.625%, subtract the 1.75% fee,

00:07:25.740 | and I'm making about 0.875% spread.

00:07:30.100 | Now, if you owe the IRS $500, it might not be worth your time.

00:07:33.220 | If you owe the IRS $100,000, and you have the credit limit across a few cards to support that,

00:07:38.780 | or you can pay it off over a few months when you're able to pay that card off and then make separate payments,

00:07:45.000 | could be really interesting.

00:07:46.340 | So keep that in mind.

00:07:47.820 | Wanted to share this with everyone quickly because I think people often overlook the opportunity this presents

00:07:53.820 | to accelerate earnings on bonuses or even just earn some points,

00:07:58.080 | especially if you have an interesting card that earns 2 points per dollar on everything like the Capital One Venture or VentureX cards.

00:08:05.220 | Now, to highlight an example of how great an opportunity a sign-up bonus could be relative to the fees for paying your taxes,

00:08:13.420 | I'm going to talk about a sign-up bonus that just came out this week, in fact, two days ago,

00:08:18.600 | for one of my favorite travel cards of 100,000 points after spending $5,000 in three months.

00:08:24.420 | And this is a card that earns transferable points.

00:08:27.540 | If you go to allthehacks.com slash cards, you'll see it at the top of the list.

00:08:30.680 | I'll link to it in the show notes.

00:08:31.960 | But think about the cost to put that $5,000 spend, even if you didn't have it,

00:08:38.020 | would be about $87.50 if you were paying 1.75% in fees.

00:08:43.040 | So you might think, okay, well, if I'm just earning one point per dollar,

00:08:46.860 | maybe that's not worth it because those points might only be worth $50 or $60.

00:08:51.460 | I'm going to pay $87 in fees.

00:08:53.980 | However, because there's a 100,000 point sign-up bonus, this looks very, very different.

00:08:58.020 | So worst case, I think you could use that sign-up bonus in the travel portal.

00:09:02.280 | And this card makes those travel redemptions worth 1.25 cents.

00:09:06.680 | And so 1.25 cents times 100,000 points is $1,250.

00:09:10.500 | So if you're getting $1,250 to spend $5,000, that's a 25% effective cashback rate.

00:09:18.100 | Now, would I want to take a 25% effective cashback rate at a cost of 1.75%?

00:09:24.340 | Absolutely.

00:09:24.740 | Now, if you can naturally spend that $5,000 in three months,

00:09:28.580 | you might not even need to do taxes to take advantage of this bonus.

00:09:31.720 | And that's probably one of the reasons that this 100,000 point sign-up bonus,

00:09:35.020 | at least in the points and miles world, is a bonus people have been waiting for

00:09:38.960 | because it's one of the best.

00:09:40.080 | You can transfer those points lots of places,

00:09:42.660 | which I think highlights how much better that bonus could be.

00:09:46.780 | So for example, I've used these points to go to Hyatt.

00:09:49.980 | I've used these points to go to different airlines,

00:09:52.100 | where the end value ends up not being 1.25 cents per point,

00:09:56.160 | but 2 cents per point or more,

00:09:57.920 | which would make 100,000 points worth $2,000 or more.

00:10:01.500 | So if you're going to earn back $2,000 of value for spending $5,000,

00:10:06.200 | that's a 40% return.

00:10:08.480 | And so I would challenge anyone who's eligible for this bonus,

00:10:12.700 | which does require not having the card currently,

00:10:16.100 | though if you have it,

00:10:16.980 | you can downgrade it to another no annual fee version of a card at this bank.

00:10:22.360 | And you can't have gotten this bonus in the last four years.

00:10:24.620 | But the card has a reasonable $95 annual fee,

00:10:28.260 | a $50 credit that you can use for travel stays to offset that.

00:10:33.880 | I think it's a really great opportunity if you're eligible

00:10:36.280 | and you're interested in more points.

00:10:38.540 | There's a link in the show notes to a post about the card and the offer.

00:10:42.460 | It's at the top of the best cards page.

00:10:44.740 | And as I always say, using those links on our site,

00:10:46.840 | it's a great way to support us.

00:10:48.240 | Thank you in advance.

00:10:49.120 | But if you find a deal elsewhere, always, anytime you're on our site,

00:10:53.180 | make sure you find the best deal.

00:10:54.840 | We try to put the best deals, but if they're not there,

00:10:57.020 | go get the best deal.

00:10:58.100 | You definitely won't hurt my feelings.

00:10:59.820 | In the case of this card,

00:11:01.020 | I don't think there's a better offer anywhere else.

00:11:02.920 | But I just want to flag that if there is a great offer on our site,

00:11:06.280 | it means a lot when you use it.

00:11:07.580 | Thank you so much.

00:11:08.420 | This episode is brought to you by FACET.

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00:12:00.300 | This episode is brought to you by Viori,

00:12:02.280 | which is amazing because they are one of only the few brands I wear almost every single day.

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00:13:15.160 | Exclusions apply.

00:13:16.420 | Visit the website for full terms and conditions and find the link in the description.

00:13:20.520 | So next, I want to jump into a bunch of great travel and savings hacks that I've come across

00:13:25.880 | recently that I really think you all could benefit from.

00:13:28.620 | There are some referral links or discounts that I'll mention.

00:13:31.920 | I'll put them all in the show notes.

00:13:33.260 | Some of the times those benefit me because they're my referral link.

00:13:36.520 | In a few cases, I found a better deal than my referral link and I'll share that instead.

00:13:40.640 | That said, none of those brands have paid for me to talk about them.

00:13:43.800 | So I just want to be really clear on what is and isn't an ad.

00:13:46.220 | If you do hear an ad in this episode, which you will, it always starts with this episode

00:13:50.820 | is brought to you by.

00:13:51.840 | Those are our sponsors.

00:13:53.080 | For what it's worth, almost all of those sponsors are brands that I love and most of those relationships

00:13:58.100 | came from me reaching out to them after I wanted to work with those products and services

00:14:02.120 | because I loved them.

00:14:03.140 | But those are the ads and those are very different from if I want to share a product or service

00:14:08.140 | I love and include a promo code I found online or my referral link.

00:14:11.780 | That's just purely me sharing the things I love.

00:14:14.520 | So first off, we recently came back from a trip to Colorado and just a few things happened

00:14:20.120 | that I thought were interesting.

00:14:21.020 | One, I've started using the Flighty app almost exclusively as the way I manage all of my travel

00:14:26.180 | plans with flights.

00:14:27.400 | And the coolest thing happened because Flighty is monitoring all the inbound aircraft and everything.

00:14:33.580 | I got an alert one hour before departure that they estimated that my departure would be pushed

00:14:40.460 | back by 15 or 20 minutes and it took a full 40 minutes before the airline actually pushed

00:14:47.440 | back the departure to the exact time that Flighty was estimating they would.

00:14:51.760 | Now, it's no surprise that with all the data they have, they've probably learned,

00:14:56.140 | hmm, when inbound aircrafts on this airline are delayed by this much at this airport, it results

00:15:02.140 | in a delayed departure time of this.

00:15:04.540 | So, loved being able to get that notification early.

00:15:07.380 | Now, obviously, if your flight is delayed or you think there's an estimated delay,

00:15:11.220 | that doesn't give you free reign to show up at the gate when that new departure time is announced

00:15:15.780 | because airlines can pull those up.

00:15:17.660 | So, I would always keep an eye on maybe the airline app or if you're near the gate,

00:15:22.280 | just double check that the flight's not leaving early.

00:15:25.360 | Obviously, if you're keeping an eye on where the plane is and the plane hasn't even landed,

00:15:28.680 | you're pretty safe.

00:15:30.060 | But just want to say don't 100% rely on any app telling you you've got an extra 30 minutes

00:15:36.680 | unless you're really, really confident.

00:15:38.120 | Second, we were in the Denver airport and we used this lounge that United opened called the

00:15:43.960 | Club Fly Lounge.

00:15:44.880 | And it's not really a lounge.

00:15:46.280 | There wasn't really more than a couple places to sit.

00:15:48.740 | It was more of a grab and go with a barista making coffees and matchas and whatnot and

00:15:55.060 | then fridges and snack counters.

00:15:57.460 | And it was just such a great experience, especially with two young kids, to be able to walk in,

00:16:03.440 | grab a handful of snacks, not feeling like I was not supposed to do it.

00:16:07.440 | You know, if you've gone into an airport lounge, you're like,

00:16:09.120 | Oh, here's some extra fruit.

00:16:10.160 | Let's hide it in my jacket.

00:16:11.520 | You know, let's put it in a purse.

00:16:13.000 | In this case, that was exactly what it was designed for.

00:16:15.700 | We walked in, we stocked up on snacks, we walked out.

00:16:19.000 | We had those snacks on the plane.

00:16:20.280 | Kids had food to eat.

00:16:21.340 | It was great.

00:16:22.020 | I really would love to see more lounges doing that.

00:16:24.500 | I think Delta is experimenting with one of those lounges somewhere.

00:16:27.520 | And I know United has a few.

00:16:29.020 | Can't wait to see more of those.

00:16:30.620 | And then last, we thought we were going to go to the Capital One Lounge, but we didn't have time.

00:16:34.780 | But I noticed in the app that there was a really long waitlist.

00:16:37.800 | And you can join that waitlist in advance.

00:16:40.240 | So if you're flying anywhere and there's a Capital One Lounge and you want to join,

00:16:43.260 | you could join that waitlist as soon as you're on the ground.

00:16:46.240 | You could probably even join it from the air based on how long you think it'll be till

00:16:50.100 | you can go.

00:16:50.600 | And then they give you 10 minutes to enter.

00:16:52.140 | So just something to keep in mind there.

00:16:53.760 | Next, I want to talk about Amex Member Week, which was super underwhelming with one exception.

00:17:00.640 | And it was a great opportunity to make a little bit of money and teach my kids a lesson.

00:17:04.940 | And I thought it'd be fun to give a really concrete example on how some of these card-linked offers

00:17:10.880 | can add a ton of value.

00:17:11.840 | So the specific offer at hand was a $50 off $200 offer at Lowe's.

00:17:18.340 | Now, we're not in the middle of a renovation.

00:17:21.000 | We're not doing a lot of projects.

00:17:23.440 | Saving $50 at Lowe's was not something I needed.

00:17:26.120 | And so normally, I would just completely ignore the offer.

00:17:29.600 | But Lowe's does offer the ability to buy gift cards.

00:17:34.240 | So I thought about the ROI, and it didn't end up being high enough that it was worth

00:17:39.580 | my time to necessarily leave work and go do this.

00:17:42.240 | But I was talking to my kids, and I was thinking, well, do you guys want to go to the park right

00:17:47.360 | now and let off some steam there?

00:17:49.980 | Or do you want to go on an adventure where we can make money, and then you guys can decide

00:17:53.960 | what to do with it?

00:17:54.660 | So I'll walk you through the deal and how it was a really great opportunity for them.

00:18:00.420 | So buying $200 worth of gift cards, for us, a lot of the best value gift cards were already

00:18:06.120 | sold out.

00:18:06.680 | I think other people got the same memo.

00:18:08.280 | So we ended up buying $200 Dick's Sporting Good gift cards, and we got $50 off.

00:18:14.360 | So out the gate, you're getting 25% back.

00:18:17.080 | Now, we couldn't resell those gift cards at face value.

00:18:20.120 | So the $200 Dick's Sporting Good gift cards, we were able to sell for $0.88 on the dollar

00:18:26.180 | for $176.

00:18:27.220 | We took a 12% loss.

00:18:29.620 | And then because you can't choose which credit card you use, right?

00:18:33.680 | You have to use the card that is linked to the offer.

00:18:36.100 | The points we earned on that was only about 1.5%.

00:18:39.000 | So if you take 25% gain plus 1.5% gain from the points minus 12% on the loss, we had about

00:18:45.780 | a 14% profit doing this, which meant that if we were spending $200, we were making $28.

00:18:51.380 | Except because I use the Card Pointers extension, because I have Card Pointers Pro, which I'll put

00:18:58.400 | a link to in the show notes if you want 30% off.

00:19:00.620 | You can activate offers on multiple cards at once.

00:19:04.380 | And that's important because if you logged into your portal for your Amex account and you

00:19:08.460 | activated it on one card, you wouldn't have it on the other card.

00:19:11.780 | So you might see that you have the offer, but when you go to add it, it usually only adds

00:19:15.620 | to one.

00:19:16.000 | But if you manage to hit Amex's servers at the exact same time for all your cards, which is

00:19:21.580 | what the Card Pointers extension does, then you would have that offer multiple times.

00:19:25.440 | So we had that offer six times, so we ended up with $168 of profit from a trip to Lowe's.

00:19:30.960 | Now, do you want to take time out of your day to drive to Lowe's for $168?

00:19:35.040 | That is a very personal question and how you value your time.

00:19:38.360 | And I could argue that on some days, yes.

00:19:40.920 | And on some days, maybe no.

00:19:42.120 | But do I want to take my kids on an adventure that allows them to own the process, understand

00:19:46.840 | how this works, and make $168, and then get to have a conversation about what to do with

00:19:52.200 | it?

00:19:52.380 | Absolutely.

00:19:53.040 | So we decided to take some of it and go buy ice cream.

00:19:56.400 | My kids were kind enough to agree that they were so happy with how much money they had.

00:20:00.960 | They bought mommy and daddy ice cream, which was a really fun experience.

00:20:04.060 | And then we took their bank account and we said, let's put some of it there and we'll save

00:20:08.860 | some for the future.

00:20:10.180 | And then we even took some of it and we decided to make a small donation.

00:20:14.020 | So we got to split it up and help them see the different ways they can use their money

00:20:18.000 | for different causes.

00:20:19.380 | It was a really great learning experience.

00:20:21.280 | But the high level is when you see these offers, definitely consider whether there are hidden

00:20:26.660 | opportunities within those offers beyond what you see at face value.

00:20:30.460 | And here's a great example of another one that was a surprising last minute purchase.

00:20:37.200 | So my wife and I have been thinking about getting a Peloton treadmill for a while.

00:20:41.700 | We've had a bike.

00:20:42.500 | We've really enjoyed it.

00:20:43.760 | We've used the app for runs and we've been running a lot more.

00:20:47.340 | And lately it's either been dark outside early in the morning or kids are napping so we can't

00:20:52.760 | go on a run around the neighborhood and we've wanted a Peloton treadmill.

00:20:55.720 | Now, we've been looking on Facebook Marketplace for a long time and Craigslist.

00:21:01.220 | And other than a bunch of scams that I've found, we have not been able to find one for

00:21:05.860 | a reasonable price.

00:21:07.040 | And mostly not an unreasonable price either.

00:21:09.380 | They just seem to be very hard to come by.

00:21:11.000 | The retail price for a Peloton tread is $3,000 and we've seen them for maybe $2,600, $2,500,

00:21:17.660 | but nothing really less than that.

00:21:19.540 | Now, if you factor in the sales tax in California, that's an even better deal.

00:21:23.720 | But even those are quite a drive, hour, hour and a half away from where we are.

00:21:30.040 | And then I got this email that the Peloton partnership with one of the credit cards I have was extended

00:21:37.220 | and is going to continue offering 10x points on Peloton purchases.

00:21:41.920 | So I thought, okay, well, those points when redeemed in the travel portal at a minimum are

00:21:48.480 | worth one and a half cents.

00:21:49.840 | Now, I usually get more value than that, but that means that the Peloton was 15% off.

00:21:54.460 | Now, that's not bad, but I was starting to think, is there any cashback portal options?

00:21:59.400 | So I went to cashback monitor and I looked and I noticed that Rakuten was currently doing 2%

00:22:07.180 | back.

00:22:07.580 | And if you link your Rakuten account to your Amex account, you can get 2x points.

00:22:11.720 | But that wasn't that exciting.

00:22:14.420 | I decided I wanted to wait for a better deal.

00:22:16.460 | And so I went into this app that I've recently found called SaveWise, which has a ton of features,

00:22:23.760 | some of which are overlapping with card pointers and some of which are overlapping with cashback

00:22:29.620 | monitor, which basically, they're a directory of all the different ways you can earn cashback,

00:22:34.460 | but they will also auto-activate some of the offers that are card-linked offers.

00:22:38.280 | But the really cool thing they do, and I'll put a link in the show notes to what I think

00:22:43.560 | is a discount on the pro version for SaveWise, is they set alerts on cashback so that you can

00:22:50.220 | get it alerted if Rakuten's offers go up.

00:22:53.560 | So for example, I looked at the history.

00:22:56.000 | So another cool thing they do is they show the offer history.

00:22:58.540 | Pro account goes up to, I think, 9 months.

00:23:01.240 | And I noticed that Peloton has been as high as 6% back on Rakuten, which is 6x Amex points,

00:23:07.960 | which is pretty exciting.

00:23:08.800 | So I thought, okay, if it can get up to 6x again, that would probably be enough for me

00:23:13.900 | to pull the trigger.

00:23:14.460 | So we sat, we set up the alert, and then the next day, I got an alert that on Kudos, which

00:23:21.720 | is another cashback platform I've talked about before, you could get 12% back on Peloton.

00:23:28.260 | So now I'm thinking, wow, my card earning from the Peloton partnership is 15% off.

00:23:34.100 | Kudos is 12% off.

00:23:36.080 | I think we should do this.

00:23:37.160 | We had no intention that day of buying the Peloton Tread.

00:23:40.000 | But at 27% off, it seemed like we had to go ahead and just do it.

00:23:45.200 | And so I start checking out.

00:23:47.260 | Everything's going fine.

00:23:48.760 | And then I get to the final checkout screen on Peloton.

00:23:52.100 | And there were two things that made me think, could this get better?

00:23:55.040 | So there was a promo code field.

00:23:56.620 | And then there was a payment box that said, do you want to pay by gift cards?

00:24:00.120 | So naturally, my first step is go see if there's anywhere on the internet I can buy Peloton gift

00:24:04.800 | cards at a discount.

00:24:05.520 | There was not.

00:24:06.520 | I couldn't find them.

00:24:07.480 | But worth a try.

00:24:08.560 | Next was promo codes.

00:24:09.880 | I started searching around.

00:24:10.900 | And I knew that there was a Peloton referral code where you get $100 off.

00:24:15.900 | And if I give you that referral code, I would also get $100.

00:24:18.760 | So I thought about sharing that all with you, except the $100 you get is off accessories.

00:24:23.980 | And the $100 I get is off accessories.

00:24:26.180 | And I don't know.

00:24:27.780 | I don't need any more accessories.

00:24:28.840 | And then I found the World of Hyatt partnership with Peloton page.

00:24:33.180 | And there's a $100 discount that works on the bike, works on the tread, works on the row.

00:24:38.840 | And that seemed much more exciting.

00:24:41.000 | So instead of sharing my referral code, I will share a link in the show notes to the Hyatt

00:24:45.080 | discount page where you can get $100 off, which depending on what you're buying, a bike would

00:24:51.000 | be equivalent of about 7%.

00:24:52.980 | The tread was about 3%.

00:24:54.920 | Now, all of a sudden, I was stacking my $100 off, my 10x points, which I valued at 15% off,

00:25:01.100 | my 12% off from kudos to get all the way to about 30% off.

00:25:06.100 | Now, I did the math on what we were going to end up paying with 30% off.

00:25:11.480 | And I'm not ready to do this for a living.

00:25:14.620 | But that final price is low enough, based on my experience monitoring Facebook Marketplace,

00:25:21.300 | monitoring Craigslist, that I am almost 100% certain, especially because all of the Peloton

00:25:27.640 | treads I've seen out there, and this is probably true of bikes and bike pluses, are all usually

00:25:32.260 | one to two years used.

00:25:34.080 | If I were to market that I could sell your brand new, just opened, still under a one-year

00:25:41.860 | warranty Peloton for 30% off, I think I could make a business flipping Peloton.

00:25:46.320 | So if you have these offers and you can stack them and you want to, I bet you could make $300

00:25:52.100 | or $400 for every Peloton you flipped.

00:25:54.720 | Now, I think the points earning opportunity for 10x is capped at 50,000 points.

00:25:59.200 | So there is some ceiling to what you could do here.

00:26:02.080 | But I think that it's at least worth exploring if you want a little side hustle and you want

00:26:07.800 | a little fun.

00:26:08.320 | But it's even more worth exploring if you want a Peloton.

00:26:10.640 | So I'll put my links for SaveWise and Kudos and the World of Hyatt discount all in the show

00:26:16.540 | notes.

00:26:16.780 | I think the Kudos link is for $20 off.

00:26:19.360 | So I don't know what that would add, maybe 1% additional to all of this.

00:26:23.440 | But I thought that was kind of cool.

00:26:25.080 | And if you're in the market for a Peloton, hopefully this helps you push you over the edge

00:26:29.520 | to make it a little bit more affordable.

00:26:31.000 | This episode is brought to you by Gelt.

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00:28:48.500 | A couple other things that happen.

00:28:49.800 | One, I noticed there was a discount for the hiking app AllTrails, and so I put that in the

00:28:55.260 | newsletter.

00:28:55.700 | But as I was reading the comments on Doctor of Credit, I noticed that everyone in the comments

00:29:00.580 | said, this is a terrible deal.

00:29:01.580 | Yes, AllTrails might normally be $50.

00:29:03.940 | Yes, it's on sale for $20.

00:29:05.820 | But don't forget that their pricing is country-specific.

00:29:10.120 | So if you're currently traveling in India, you could get AllTrails for much less than $20.

00:29:16.520 | I think it was something like $5 or $6.

00:29:18.080 | And people are like, and also, did you know that you can use a VPN to see that?

00:29:22.420 | And it just got me thinking, I didn't actually do this on the Peloton, but should I be using

00:29:28.440 | a VPN to basically not just sometimes price shop flights, which I've done in the past, but

00:29:33.680 | also to go and price shop anything I'm buying to see if the price is better.

00:29:38.540 | And so that's something I'm going to add to my routine of all of the things I do before

00:29:42.980 | I'm shopping online because I thought it was pretty cool.

00:29:45.500 | And the VPN I use for all this is NordVPN.

00:29:48.240 | They have been a sponsor in the past.

00:29:49.980 | They aren't anymore.

00:29:50.840 | But I do think that they still have a discount that's pretty compelling.

00:29:55.340 | If you go to the link in the show notes, I think it's also on our deals page.

00:30:00.320 | And I ended up picking NordVPN after a very detailed, thorough read of a Reddit post where

00:30:08.180 | it seemed like every single VPN software was compared on 10s or 20 verticals of features.

00:30:14.820 | And I've been very happy using it.

00:30:16.900 | I don't think it's necessary for security.

00:30:19.680 | But I do love that if I were shopping for a flight within a region like Southeast Asia,

00:30:24.360 | I'd be able to use a VPN to mimic that.

00:30:27.360 | I also, there are a lot of times where credit card offers, especially with Amex, are kind

00:30:31.200 | of location or regionally specific.

00:30:33.860 | So I've used it for those purposes.

00:30:35.440 | So usually it's a deal seeking tool, not a security tool.

00:30:38.160 | But in a similar vein to getting different prices based on what country you're in, getting

00:30:43.320 | different prices based on what currency you pay for is something that I came across twice

00:30:47.160 | this week.

00:30:47.880 | So first on the Icon Pass, if you're looking for Ski Pass, they've gone on sale for next

00:30:52.800 | year.

00:30:53.120 | You know, we're more of an epic pass in terms of where we go.

00:30:55.960 | But the Icon Pass has a little drop down on the top of the page where you can choose to

00:31:00.080 | pay in US dollars or Canadian dollars.

00:31:02.800 | And so if you choose Canadian dollars, the price goes down, depending on exchange rates,

00:31:08.520 | anywhere from 100 to more than $100.

00:31:11.440 | And so easy way to save on the Icon Pass is use a card with no foreign transaction fees,

00:31:17.340 | buy it in Canadian dollars.

00:31:18.620 | Similarly, I was helping a friend buy a ticket on the Eurostar train between London and Paris.

00:31:24.800 | And the price of that ticket was about 5% cheaper buying it in euros than buying it in

00:31:31.580 | US dollars.

00:31:32.180 | So reminder, anytime you're buying something that is offered in multiple currencies, double

00:31:37.540 | check that it's not much, much cheaper in that other currency.

00:31:40.460 | For example, anytime you're overseas with using Uber, there's actually an option in the Uber

00:31:46.180 | app that they recently defaulted to one that is not in your favor, where they default price

00:31:52.020 | everything in dollars and do a conversion rate for you that's less favorable.

00:31:56.120 | So you have to go in there and say, actually, always price in the local currency, and you

00:32:00.680 | will save money doing that.

00:32:01.860 | So definitely go into that Uber app and make that change.

00:32:04.660 | Unless you have a credit card that doesn't offer foreign transaction fees for free and charges

00:32:09.700 | you 3%, then it might not make sense.

00:32:11.940 | However, one thing to keep in mind is that as of recording this, which is April 4th, 2025,

00:32:17.660 | some of those currency rates are changing drastically.

00:32:21.560 | And I actually wonder if that Icon Pass discount has gone down even further than when I first

00:32:26.440 | checked it.

00:32:26.960 | Because as almost all of you will know, and who knows what happens in the next three or

00:32:32.700 | four days between recording this and it coming out, but the US stock market is quite a bit

00:32:38.480 | down, over 10% in the last two days.

00:32:41.680 | And I just thought I'd want to share a little bit about how I think about this situation.

00:32:46.340 | We talk about markets, we talk about investing, we talk about money.

00:32:49.880 | But usually timely things don't necessarily fit in because I'm recording this podcast days

00:32:55.240 | or weeks or sometimes even months in advance.

00:32:57.460 | But with this experiment right now, I'm recording it a couple days in advance.

00:33:02.640 | And I thought it could be a good opportunity to share how I think about situations like what's

00:33:07.960 | going on right now in the markets.

00:33:09.620 | not from a political standpoint, but from a financial standpoint and an investment standpoint.

00:33:14.820 | And the funny thing is, first off, I'm not really thinking about it a lot.

00:33:20.240 | Now, obviously, I don't like headlines of the market crashing.

00:33:22.860 | I'd rather the market be up 10% or 20%.

00:33:25.240 | However, one of the principles I adhere to is that all of the money that I have invested

00:33:30.960 | in the stock market is money that has at least a five-year horizon.

00:33:36.620 | So if I have money that I need for a down payment, a tuition payment, anything really that I'm

00:33:42.280 | going to spend in the next five years, I keep that money in cash and not just 0% cash, but

00:33:49.560 | cash in a bank account or money market fund or treasuries that are earning hopefully over

00:33:54.920 | 4%.

00:33:55.100 | And that means that unless the market doesn't recover over the next five years, it being

00:34:07.020 | down 10% right now or 20% or 30% or whatever that number ends up being doesn't have a huge

00:34:12.880 | impact on my life other than whatever emotional toll I let it take on me while it's happening.

00:34:20.380 | And if you look at the data on what happens in the stock market over a period of, you know,

00:34:26.480 | one to 30 years, you see that the longer period you look at, the less likely a down trend in

00:34:33.960 | the market is.

00:34:34.680 | And so there's this great chart from Ben Carlson's blog, which I'm looking at right now, and I'll

00:34:39.500 | put up on the screen if you're watching on video or I'll link in the show notes.

00:34:42.480 | And it basically looks at returns for the S&P 500 from 1993 forward in a increment of

00:34:49.780 | everywhere from one to 31 years.

00:34:51.960 | And what you'll notice is that if you look one year forward, there's six years where the

00:34:57.020 | market was negative.

00:34:57.860 | That makes sense.

00:34:58.780 | And the further you go down, there's less and less number of years that are negative to

00:35:03.900 | the point that by the time you get to a 11-year horizon, there was not an 11-year window

00:35:10.320 | starting from 1993 forward where the market was down.

00:35:13.700 | And if you go to five years, there was not a year looking five years out that the market

00:35:20.020 | was down more than 2%.

00:35:21.600 | So this gives me a lot of comfort knowing that if I don't need this money for five plus years,

00:35:26.600 | there has not been a time in the past.

00:35:29.260 | Now, we could make all the speculation about whether now is different than the past, but

00:35:33.460 | there has not been a time, at least according to this chart, since 1993, where the market

00:35:39.460 | stayed down 10% over a five-year window.

00:35:43.020 | In fact, the same is true over four years.

00:35:45.980 | It didn't happen.

00:35:47.020 | You'd have to go to a three-year window to see a double-digit decline at any point in time

00:35:51.980 | since 1993.

00:35:52.760 | And once you get, like I said, to five years, it's pretty hard to find a decline lower than

00:35:58.620 | 2%.

00:35:59.240 | So I just try to accept that that's what happened in history.

00:36:05.920 | That's probably, not certainly, but probably what's going to happen going forward.

00:36:10.440 | And so, yeah, it sucks and it burns to see the market down.

00:36:15.840 | But maybe on the flip side, it's a buying opportunity.

00:36:19.560 | Maybe any of the money that I have in cash that I also don't need for five years, maybe now would

00:36:25.260 | be a good time to put that money in the market.

00:36:27.000 | I try not to keep too much cash on the sidelines, but every now and then, you know, it ends

00:36:31.700 | up happening.

00:36:32.200 | And honestly, right now is a time where over the next few months, I will probably take all

00:36:38.500 | the cash that we have that's not invested.

00:36:40.540 | Some of it because we managed to move 401ks from one provider to another.

00:36:46.040 | And as modern as society is, the only way we could do that was by mailing a check, which

00:36:51.280 | meant we had to sell all of our holdings, mail a check.

00:36:53.840 | They got deposited and they didn't get automatically invested.

00:36:56.960 | And I've been trying to figure out when to do that, mostly out of just finding the time

00:37:02.300 | to do it.

00:37:02.860 | Now seems like a pretty great time, right?

00:37:04.980 | Market's down 10%.

00:37:06.040 | Everything's on sale.

00:37:06.980 | Honestly, my only fear is that the market will go down even more and I will have missed an

00:37:12.700 | opportunity to buy even cheaper.

00:37:14.220 | And so the way I think about those things is I just try to come up with a plan.

00:37:18.440 | So right now, I'm thinking my plan is deploy a third of the cash I have now, a third of

00:37:24.660 | the cash I have in a month, and a third in two months.

00:37:26.780 | And the reason I don't put it all in at once is like I said, I don't want the market to correct

00:37:31.360 | even more and feel like I missed that opportunity.

00:37:33.240 | That said, if I were to put a third of the cash that I have in the market now, and the market

00:37:39.760 | were to drop another 20%, I'd probably pull that timeline up and put the rest of it in at

00:37:45.520 | 20% down beyond what we're at today.

00:37:48.040 | And if it drops further, I could live with that.

00:37:50.200 | But I think it's important when you're thinking about these things to come up with a plan instead

00:37:54.600 | of just try to trust your gut each day because it'll always feel hard every day.

00:37:58.480 | Now, one thing I'm absolutely not doing is selling.

00:38:00.860 | Do I think the market could go down 20%?

00:38:03.100 | I think it's really possible.

00:38:05.100 | I don't know, right?

00:38:06.140 | Like I have no idea.

00:38:07.080 | If there's anything I know that's certain, it's that I don't know, but it's possible that

00:38:11.260 | it will go down another 20%.

00:38:12.720 | Will I have benefited if I sold everything now, let the market drop 20% and put money

00:38:18.720 | back in?

00:38:19.200 | Absolutely.

00:38:20.020 | Do I think there's any chance at all that if I took my money out now and the market dropped

00:38:25.700 | 20% that I would be able to time the bottom?

00:38:27.900 | Absolutely not.

00:38:29.200 | There would be nothing harder for me than to see the market down 30% and think this is the

00:38:35.500 | bottom with my entire portfolio.

00:38:37.360 | It would just be so hard.

00:38:38.480 | The whole theory of catching a falling knife is very hard, though I guess in reality, it'd

00:38:43.100 | probably be easier to catch the knife than it would be to time the bottom of the market.

00:38:46.820 | And deciding to rebuy is such a hard thing that I'm just like Nick Majuli said in the interview

00:38:53.980 | we had a couple of years ago, which I will link to in the show notes.

00:38:58.160 | It's just keep buying.

00:38:59.780 | And that's the strategy.

00:39:00.960 | And so that's the strategy I have adhered to.

00:39:04.340 | It's worked well.

00:39:05.940 | From data standpoint, it's also worked well, not just for me, but for anyone who holds for

00:39:11.360 | a long horizon.

00:39:12.160 | Historically, it has worked well.

00:39:13.860 | One other thing that I'm thankful for right now is that I have done a little bit of diversification.

00:39:19.100 | Our portfolio is not entirely in the United States.

00:39:22.080 | We have a few international index funds and the international markets are down less than

00:39:27.420 | the US markets.

00:39:28.200 | Now, over the last, I think, five or 10 years, that hasn't been the case.

00:39:32.960 | And I've honestly been wondering whether I should have had an even simpler portfolio of just 100%

00:39:39.600 | US total stock market, VTI.

00:39:41.940 | And when I talked with JL Collins last year, and we debated that specific topic on whether

00:39:48.320 | you need international exposure, I was almost convinced that it would make sense.

00:39:53.220 | But all the data, looking at correlations, looking at historical performance, would argue that the

00:39:59.800 | diversification of adding international two-year US exposure pushes you further out the efficient

00:40:05.840 | frontier and has better risk-adjusted returns.

00:40:08.420 | So I didn't make any changes.

00:40:10.740 | And the current situation is a great example that you never know what the future holds.

00:40:14.300 | And diversification can be really powerful, both in stocks, bonds, and cash, as well as

00:40:21.100 | US international or other asset classes like real estate.

00:40:24.800 | So one thing that I am considering right now, and that I think some people could, just like

00:40:30.460 | I did during the pandemic, is when the market's down a significant amount, it is a good time

00:40:35.740 | to consider tax loss harvesting.

00:40:37.840 | And the way that works is, if you sell a stock that you bought, and you sell it at a loss,

00:40:42.760 | you can take that loss and offset either other gains you have that year, or income up to $3,000.

00:40:52.540 | So if you have some losses in your portfolio right now, because I mean, I guess practically, if you made any purchase of most stocks or index funds in the last year, there's a pretty good chance that that current position is down.

00:41:07.100 | So if you were invested in the total stock market, VTI, Vanguard's index fund, and you sold that,

00:41:25.700 | you could buy something similar like Schwab's US Broad Market Index Fund.

00:41:30.160 | And you'd maintain your exposure to that same asset class.

00:41:34.040 | But you would be able to capture those losses and use them this year to offset other capital gains or up to $3,000 of income.

00:41:42.780 | So if you live in California, offsetting income tax, depending on your tax bracket, or probably true of New York and many other states, could be really meaningful.

00:41:50.300 | And certainly would be better than the 20% capital gains you'd pay if you were to hold that for a lot longer and pay capital gains tax.

00:42:01.220 | So offsetting income is really interesting, though limited to $3,000 a year.

00:42:05.560 | Now, because I'm using Wealthfront, I don't actually think about any of this.

00:42:07.960 | It's all automated happening in the background.

00:42:09.860 | You know, it's one of the things I'm really thankful for is during the pandemic, the market was down.

00:42:15.700 | No one knew if it was going to keep going or if it was going to stop.

00:42:18.300 | Do I tax loss harvest now?

00:42:19.620 | Do I wait?

00:42:20.200 | And my portfolio was totally automated.

00:42:22.880 | I didn't even look at it.

00:42:24.100 | But I ended the year with a bunch of harvested losses, which was not good from the perspective of losses mean the portfolio is down, but great from the perspective of the market recovered.

00:42:35.220 | And so I was never unexposed to the market.

00:42:38.280 | I didn't miss all the gains that came after the losses, but I did capture those losses and I've used them for other gains to offset over the years since that happened.

00:42:47.940 | And so if you want to check out Wealthfront, it's a product I use.

00:42:52.240 | They're not a sponsor of the show.

00:42:53.700 | I've got a referral link to get your first $5,000 managed free, but it's basically an automated investment portfolio.

00:42:59.020 | They'll help you figure out a portfolio that's globally diversified, all low-cost, low-fee index funds, and then they'll just automatically rebalance and tax loss harvest it.

00:43:08.240 | I did work there.

00:43:09.180 | I am a shareholder of the company from working there.

00:43:11.420 | Huge fan of the product.

00:43:12.940 | And, you know, the majority of our net worth is sitting in our Wealthfront account.

00:43:16.820 | So that's how I'm thinking about the current market.

00:43:20.440 | That's a lot of what has been on my mind the last few days, some of the deals I found.

00:43:25.040 | I hope this episode was interesting and helpful.

00:43:27.340 | Please send me a note.

00:43:29.320 | Let me know what you think.

00:43:30.440 | Should I do more episodes like this or not?

00:43:32.600 | Your feedback is greatly appreciated.

00:43:34.420 | You can send it to podcast at allthehacks.com.

00:43:37.320 | You can find me on socials.

00:43:38.600 | You can use the contact form on the website.

00:43:40.620 | That is it for this week.

00:43:42.240 | I will see you next week.

Earning Points on Taxes, Navigating Market Volatility, Stacking Deals and More

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