Earn More Points in Multiplayer Mode with Kai

All the Hacks: Money, Points & Life

Chris Hutchins

Business, Education, Investing, Society & Culture, Places & Travel, Self-improvement

4.7 • 1.4K Ratings

🗓️ 8 October 2025

⏱️ 55 minutes

🔗️ Recording | iTunes | RSS

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Summary

#249: 3x your points and miles with a multiplayer strategy. We break down how to earn, manage, and maximize rewards with a partner, family, or friends. Plus learn how to handle the logistics, emotions, and systems that make it all work. Kai is the founder and host of The Daily Churn Podcast, where he shares his churning journey. In 2024, Kai and his partner earned a total of $40,000 and 5 million points. Link to Full Show Notes: https://chrishutchins.com/playing-the-points-game-with-player-2-kai Partner Deals MasterClass: Learn from the world's best with 15% off Mercury: Help your business grow with simplified finances Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth LMNT: Free sample pack of my favorite electrolyte drink mix Vuori: 20% off the most comfortable performance apparel I've ever worn For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Kai: The Daily Churn Podcast | Membership Monarch Money Copilot Money (Free 2 months with code HACKS2) How to Automatically Forward iMessages & Texts to Other Contacts Using Shortcuts 1Password Google Voice Tello eSIM Aligned Incentives Cashback Monitor Rakuten CardPointers (30% off or 50% off for ATH Members) Replit Churning While New To Credit Helping Tim Burn 15M+ Miles and Points ATH Podcast Membership Episode #181: Making an Easy $3k/mo from Online Deals with Kai Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Full Show Notes (00:00) Introduction (00:49) How Kai and Chris’ Partners View the Points and Miles Game (03:56) Is Playing the Points Game Actually More Lucrative with P2? (06:26) Maximizing Credit Cards with Two Players (08:36) Should You Have Authorized Users on Your Cards with P2? (14:01) The Mechanics of Managing a P2 (15:28) Ways to Access Shared Passwords and Two-Factor Codes (18:38) Important Conversations to Have with Your P2 (21:10) Playing the Points Game for Other People (26:05) The Challenges of Managing Points for Others (31:12) Managing Points for Family Members (33:51) Playing the Points Game with Children (35:14) Easing the Burden of Dealing with Card Issuers with a P2 (39:38) The Spectrum of Activities with Multiple Players (40:52) Leveraging Referrals and Shopping Portals to Maximize Savings with P2 (43:33) Learning to Stop Over-Optimizing (45:28) Kai’s Podcast and Churning Community (47:01) Why Your Address Matters in the Points Game (47:34) Managing 1099s from Referral Points (49:02) Tips on Adding Authorized Users (49:45) The Importance of Community in the Points Game (51:13) How to Share Referral Links on ATH Membership Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	If you're playing the points of Miles game solo, you might be missing out.
0:04.2	When you bring in a partner or even your kids, parents, or friends, you unlock a whole new
0:09.2	level of strategy. In today's episode, my good friend Kai joins me again to break down how
0:14.8	adding more players can change everything. As he puts it, one plus one does not equals two.
0:20.6	It equals more like a three.
0:22.2	We'll get tactical about multiplayer strategy, referrals, managing logistics like two-factor
0:27.3	authentication codes, navigating emotions and family dynamics, and how to build systems that actually
0:32.9	scale. Whether you're already playing solo, working together with your spouse, or have a whole team of players, there's so much to learn in this episode that will help you level up your points strategy.
0:43.7	I'm Chris Hutchins. If you want to keep upgrading your money, points, and life, click follow or subscribe.
0:49.5	Kai, it's good to be here again. Thanks, Chris.
0:52.2	So last time we were on, we talked a lot about deals.
0:54.9	And today I want to talk about how to earn points even more when you're playing with other players,
1:01.8	your partner, your kids, your friends. But I want to rewind because I know you do this for multiple
1:06.7	people. But what was your wife's first reaction when she learned how intense you play
1:12.3	this game? Yeah. I mean, I think it's probably a pretty common reaction from anyone who
1:17.9	learns that their partner, their P2, is booking fancy flights, fancy hotels, all of this
1:25.4	stuff and not paying for it, which is shock and a feeling of like, is this legal? If this seems shady, I don't want to know too much about it, but I'm enjoying these flights and enjoying these hotels. And so, yeah, I think that is the first reaction because I think there's just a lack of understanding of how the system works. And so it feels like magic to a lot of people. And then once you get it,
1:45.2	and you realize how it works. And you're like, oh, it's actually not that difficult, but there's such a big learning curve. My wife and I have been together for over 20 years. I can't remember when I started playing the game hard, but it was already after we met. You know, I mean people are like, oh, I'm really excited. I now have a P2. And by the way, to one person who wrote a review of this podcast saying, I hate that he refers to his wife as a P2. That's just what we use in this sport. So you get that on a T-shirt. That's a great t-shirt. My wife is my P2. No, she could just wear a little P2 one. You have a P-1 at the airport. You guys will match. P P3 on the kids, even though they're not. They're not old enough yet. But I know people are like, I'm excited to have another player because one of the joys of this game is that when you have multiple people, it's not just that you get to open up the same card twice. It's that you get a referral bonus when you refer your partner. And then it keeps going. So what I want to do today is both explore the tactical side of this and maybe the less tactical
2:40.5	side and the emotional side of what goes into playing this game with multiple people and
2:46.3	kind of just see where it goes.
2:47.6	It's definitely a multi-layered kind of a thing because there's so many
2:51.0	different tiers to it, I think. And I think a lot of people who are earning a lot of miles and
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