Credit card points can feel confusing, risky, or downright gimmicky. Listen in as I sit down with credit card rewards consultant Colin Stroud to break down what "points hacking" really is (and what it isn't). We talk about simple, realistic ways to use travel rewards without opening a dozen cards, wrecking your credit, or turning it into a part-time job. You'll learn how to think strategically about points, avoid common traps, and decide whether this is even worth your time.

Key moments:

(02:21) What credit card "hacking" really means and why it's misunderstood

(08:22) Why flexible travel cards beat airline or hotel cards for beginners

(14:57) How transferring points works (and when it's actually worth it)

(26:09) A simple 1–3 card system for earning points without constant card churn

(34:34) How business owners can unlock outsized value from everyday spending

Resources mentioned:

• Point.me - Flight search tool for points
• Monarch Money - Spending and tracking tool
• Go Somewhere - Find Colin Stroud online

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Ever hear a money rule that sounds empowering… but makes you feel like you're failing when you can't stick to it? Learn why one-size-fits-all financial advice hits so hard on social media — and why it can backfire in real life. We'll walk through common "always/never" money rules (debt, credit cards, investing, homebuying, saving 20%) and I'll show you how to turn those rules into a real plan that actually fits your life, goals, and peace of mind.

Key moments:

(08:57) "All debt is bad" breaks down fast with student loans

(17:45) Credit cards aren't bad — it's the behavior around them that matters

(21:59) Maxing out your 401(k) might not be your best financial move

(28:56) "Save 20%" is a benchmark, not a morality test

(32:33) Why people love blanket advice

There's no one-size-fits-all for wealth. Get the plan that fits you. Try SLP Wealth risk-free!

Like the show? There are several ways you can help!

• Follow on Apple Podcasts, Spotify or Amazon Music
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Most people hear "disability insurance" and instantly want to tap out. But this might be the most important episode you listen to all year. We sit down with Dennis Hornsby, Director of Insurance Operations at SLP Insurance, to break down what disability coverage actually does, why it matters so much in your 20s–40s, and how a few simple decisions can protect your income, your family, and your future. You'll learn what must-have policy features to look for, how to avoid common mistakes, and why now is the best time to get this in place.

Key moments:

(07:12) Resident discounts: the 20% lifetime savings most people miss

(11:54) Own-occupation coverage and why specialists can't skip it

(16:11) Partial disability: the benefit you'll likely use before anything else

(23:27) Riders that matter (catastrophic, COLA, and benefit increase)

(38:06) Benefit period vs. elimination period and how to choose the right combo

Resource mentioned:

• Get a disability insurance quote

There's no one-size-fits-all for wealth. Get the plan that fits you. Try SLP Wealth risk-free!

Like the show? There are several ways you can help!

• Follow on Apple Podcasts, Spotify or Amazon Music
• Leave an honest review on Apple Podcasts