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All the Hacks: Money, Points & Life

The Cost of Always Optimizing with Chris and Amy

All the Hacks: Money, Points & Life

Chris Hutchins

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

4.7 • 1.4K Ratings

🗓️ 12 November 2025

⏱️ 75 minutes

🧾️ Download transcript

Summary

#254: Chris and Amy share a candid look at their life together as two optimizers. They discuss everything from family finances and teaching their kids about money to managing their health, work, and travel. Link to Full Show Notes: https://chrishutchins.com/ama-amy-marriage-parenting-health Partner Deals NetSuite: Free KPI checklist to upgrade your business performance Storyworth: Share your family stories in a custom book (+ $10 off) DeleteMe: 20% off removing your personal info from the web Daffy: Free $25 to give to the charity of your choice Bilt Rewards: Earn the most valuable points when you pay rent For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Rakuten ($50 bonus here) M is for Money by Rob Phelan BoA Museums on Us How We Spend Our Time Chart Priority Pass Cultural Care Au Pairs (Get $250 off here) Family Heart Foundation Fortify5 Vuori (Get 20% off here) ATH Podcast Ep #114: Money Talks: Navigating Uncomfortable Conversations with Loved Ones with Erin Lowry Ep #205: Building Better Habits, Strengthening Relationships, and More Listener Q&A with Chris and Amy Ep #213: The 5 Types of Wealth with Sahil Bloom Ep #239: Mini Retirements: How to Take a Break Sooner That Could Also Boost Your Career and Income Ep #252: Family Travel on Points: Tips, Tricks and Tactics with Nick Reyes Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Full Show Notes (00:00) Introduction (01:44) Navigating Conflict and Different Spending Styles (04:51) Why the Furniture Conversation Turned Emotional (13:20) Amy's Process for Selling and Rehoming Old Items (15:50) When Reselling Isn’t Worth the Time and Effort (19:03) How to Teach Kids About Money at a Young Age (23:39) How Chris & Amy Are Saving for the Kids’ Future (31:13) Thinking About Technology and Social Media for Kids (35:34) Free-Range Parenting and Encouraging Independence (38:06) The Importance of Intellectual Curiosity (40:06) Stepping Back From Work to Be Present with Young Kids (44:54) Traveling With Kids (49:05) Leveraging Lounge Access for Family Travel (52:18) Comparing Lounge Access Memberships (57:06) Amy’s Transition Into More Time at Home (01:00:50) Making Proactive Health Decisions and Preventative Care (01:07:46) How to Approach Supporting Aging Parents (01:13:34) Coming Full Circle on the Furniture Debate 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

What happens when two relentless optimizers try to make everyday decisions? Well, today you'll find out,

0:06.6

as I'm sitting down with my wife, Amy, to break down some of the recent behind-the-scenes moments

0:11.2

from our life, from arguing about buying furniture to rethinking what our kids actually need to learn

0:16.6

about money and why sometimes optimization becomes the very thing that gets in our way.

0:22.2

We'll also take a bunch of your questions on lounge access for families, the

0:26.1

evolving role of technology and social media for kids, how we're planning to step back

0:30.7

professionally to have more time with our children while they still think we're cool and a

0:35.6

lot more. If you're a parent, an optimizer, or both, I think you will find a lot to relate to in this episode. I'm Chris Hutchins. If you enjoy this episode and you want to keep upgrading your money, points, and life, click follow or subscribe. Amy, I'm glad you're back. I wanted to do this again because we got a lot of feedback that

0:54.8

last time we had an episode with the two of us, we kind of went behind the scenes in our relationship.

0:59.9

And if you look at the story of who we are, we've kind of become these two optimizers that

1:06.1

really do everything in the spirit of saving more, earning more, trying to really live an amazing life.

1:13.1

But sometimes that story, the optimizing just gets in the way of us actually doing what we want.

1:19.0

So I thought today we could talk about some of the decisions we've been making recently, show

1:23.3

a little behind the scenes of how you and I operate and how some of the mistakes we make might be

1:27.9

able to be avoided, hopefully by people listening. And I'm excited we're doing it. Yeah, I'm really

1:32.9

excited to dig in and talk a little bit about both ways that our optimization efforts serve us,

1:40.1

but also the optimizer's curse and how it strikes every now and then.

1:45.1

So I thought we would start with furniture because I think one of the bigger moments in the

1:50.6

last few months that our relationship has had some ups and downs was around our desire

1:58.4

to replace a lot of the furniture in the house.

2:01.8

Yeah, I think it's a great place to start. The furniture conversation, unbeknownst to me, I thought would be a very easy,

2:08.8

straightforward discussion around should we purchase this bed? Should we purchase this nightstand?

...

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