
Loading summary
Ryan Reynolds
Ryan Reynolds here from Mint Mobile with a message for everyone paying big wireless way too much. Please, for the love of everything good in this world, stop with Mint. You can get premium wireless for just $15 a month. Of course, if you enjoy overpaying, no judgments. But that's weird. Okay, one judgment anyway, give it a try@mintmobile.com Switch upfront payment of $45 for.
Farnoosh Torabi
3 month plan equivalent to $15 per month required intro rate first 3 months.
Ryan Reynolds
Only, then full price plan options available.
Farnoosh Torabi
Taxes and fees extra. See full terms@mintmobile.com if you're a facilities.
Grainger Representative
Manager at a university, you know students rely on the cafeteria for breakfast, lunch, dinner and the occasional late night snack. So when a dishwasher breaks down and dirty plates pile up, the mess hall can turn messy in the blink of an eye. Enter Grainger. With over a million industrial grade products and fast delivery, the product you need now is never far away. So you can turn that dishwasher back into a lean, clean washing machine. Call click ranger.com or just stop by Grainger for the ones who get it done.
Farnoosh Torabi
So money episode 1783 how to travel better, Smarter and cheaper in the Platinum age of travel.
Brian Kelly
You're listening to so Money with award winning money guru Farnoosh Torabi.
Ryan Reynolds
Each day get a 30 minute dose of financial inspiration from the world's top business minds, authors, influencers and from Farnoosh yourself.
Brian Kelly
Looking for ways to save on gas.
Ryan Reynolds
Or double your double coupons.
Brian Kelly
Sorry, you're in the wrong place. Seeking profound ways to live a richer, happier life. Welcome to SO Money.
Ryan Reynolds
Okay, I fly Delta. I'm just gonna have a Delta card, right? That is the old mindset. That is no longer you gotta wake up and you need to get credit cards with banks. So like loyalty is shifting from the airlines and hotels and smartpoints people are accruing the Chase Sapphire, the Amex Gold, the Capital One venture, the biggest milk points. These are currencies that allow you to transfer to a number of different partners.
Farnoosh Torabi
Welcome back to so Money. My friends. Today we're diving into the world of travel. All week, in fact, we're talking about how to save money on your next vacation or your next work trip. We're going behind the scenes of what it's like to travel with points. With none other than the points guy himself, Brian Kelly, a longtime friend of the show. Brian is here to talk about his new book, how to Win at Travel, a guide that helps us unlock all the secrets to mastering the points game. Also how to maximize travel perks and Score luxury experiences without the hefty price tags. And if you've ever felt like travel is an overwhelming maze of loyalty programs, hidden fees and expensive last minute flights, well, this episode is for you. We're going to talk about why Brian calls it the platinum age of travel right now and how to take full advantage of it. The biggest mistakes we make when it comes to airline and hotel bookings and how to avoid them. Also, the top tech tools to help us find the best flights and travel deals with minimal effort. Here's Brian Kelly. Brian Kelly, my friend, welcome back to Sew Money and congratulations on your newest book, how to Win at Travel.
Ryan Reynolds
Thank you so much. Yeah, it's this whole book thing has been a really fun experience. So happy to chat with you today.
Farnoosh Torabi
Your title is called how to Win at Travel, suggesting that travel is a game and there are going to be some losers. So tell me about the winners and the losers in travel.
Ryan Reynolds
Well, you know, I say in the book travel is my favorite sport because it really is. You need to have the right gear, the right mentality and frankly, you know, we're not taught this in school. Just like many financial things as you know and talk about quite a bit. And so much in travel is financial related and high level. I want people to approach specifically the points world as a financial success. You know, there's so much and I know myself, I the more I pay attention to points and my credit and you get rewarded for being smart, paying bills on time and focusing on your credit score. So in general, I feel like winning at this travel game. This points game is also winning at life. So. But yes, you're. I wrote the book because I still see it today, just in airports every day, people melting down, waiting in lines, totally clueless. And you know, through my work at the points guy, I read hundreds and thousands of messages from people like and they're making the same mistakes over and over again. So we're living today in a much different travel world than even five years ago. So I wanted to write the book to give anyone take you from beginner to intermediate and even expert.
Farnoosh Torabi
Yeah, you talk about how we're at this platinum age of travel from 2010 to present times, a lot of that driven by the proliferation of loyalty programs. Tell us about this era of travel that we're in and maybe a short history because I think this is this for me when I was reading your book was very new information to me. I thought we were in maybe like the stone ages of travel because there is a lot of angst And a lot of disruption, turmoil. You know, I feel like every day you turn on the news, someone's getting kicked off a plane. I have anxiety going to the airport, will it be on time, you know, et cetera, et cetera. But tell us why, comparatively, we're in this platinum, not even golden. You skipped. You went to platinum age of travel, straight platinum.
Ryan Reynolds
And of course, platinum has connotations that relate to the platinum card, platinum elite status. So I wanted to basically make the argument that look on Facebook and social media, you see pictures. Oh, back then, travel was amazing. You had turkey dinners in economy, you.
Farnoosh Torabi
Got dressed up to get on your TWA flight.
Ryan Reynolds
Yeah. You got dressed up because only rich people, full stop, only the richest of the rich could travel. And by the way, travel was much more dangerous. It was much more time consuming. And there's actually a lot of downsides that, you know, era of travel, sexual harassment, you know, like.
Farnoosh Torabi
Right.
Ryan Reynolds
It was not this perfect utopia you make it out to be, but mostly because it was only for rich people.
Farnoosh Torabi
Yeah, you wrote that the cost of airfare is actually down since 2000, adjusted for inflation.
Ryan Reynolds
It is incredible. Today you can still get incredible deals. You can go round trip to Europe for less than $500 regularly if you know how to find the right flights. And so basically, I think today airfare or air travel is as safe as it's ever been. And even though we live in a social media world where it seems so unsafe, airplane windows blowing off and all of these things have been happening, it's just the proliferation of social media and the algorithm that prioritizes crazy, wacky, outrageous that we think it's more dangerous than it's not. So I try to break down to people that we're actually living in an incredible time. And most importantly, not only as travel, the price isn't as much comparatively, but it's even more affordable when you take advantage of the loyalty ecosystem. I have blog readers who are college kids with no income but with near perfect credit scores who are able to leverage their good credit to study abroad for free, to travel around the world. You know, whether you're a retiree on a fixed income but a great credit score, you're not buying a home anytime soon. You should be juicing value out of our system. And in the US it's unprecedented, you know, how much value you can get from a single credit card. The perks on these cards which I teach people to evaluate. So it's not just points, but it's also these really rich perks that the cards are giving and that, you know, the system can work for you if you know how to, to leverage it to your benefit.
Farnoosh Torabi
So if I'm planning a trip to Europe and I want to get the best deal, I want to be in first class. I does the smart money go and open up a rewards credit card that immediately gives you like a free flight, assuming I have good credit to qualify for that card. Tell us about the game and how to, how to game it really? In that, in that example, yeah, you.
Ryan Reynolds
Could totally go round trip to Europe and business class from one single credit card. 100,000 point offer on a, on a capital one venture X card or even small business credit cards have really, really high 150,000, 250,000 point bonuses. What I remind people, if you're married, don't have your spouse on an additional card, each of you, it's called two player mode. Each of you gets 100,000 point bonus. You can even refer each other to get extra bonuses on top of that. And then, you know, simply put in the credit card space, the biggest trend is that you need to be earning transferable points. So, you know, some people have cash back and that's fine. You want to be getting as close to 2% back as possible, you know. But most people I see have airline cards because they've had them for 10, 15 years. Okay, I fly Delta, I'm just gonna have a Delta card, right. That is the old mindset. That is no longer. You gotta wake up and you need to get credit cards with banks. So like loyalty is shifting from the airlines and hotels and smartpoints. People are accruing the Chase Sapphire, the Amex Gold, the Capital One venture, the built points. These are currencies that allow you to transfer to a number of different partners. And in the case of what you just brought up, you want to go to Europe in business class. The key is leveraging the foreign frequent flyer programs because the US Programs like United, Delta, American, they have been inflating the amount of miles you need for those premium award tickets to Europe.
Farnoosh Torabi
Right.
Ryan Reynolds
The foreign programs are much further behind in that process. So an example would be, you know, flying to Paris, Air France. Delta is going to charge you 600,000 miles round trip for that $7,000 flight, whereas you can get it as cheap as 100,000 miles transferred from any of those transferable points program to Air France. The key is now leveraging technology to find those dates with the cheapest flights. So I talk about like, there's so many emerging technologies that have come out within the Last two to three years. These tools like Point Me and Seats Aero Roam Travel, their tools, you may have to, they're free. But then you can pay $100 for the premium version. They will actually let you just like Google Flights lets you hunt for the cheapest fare on any given date. So point Me specifically and it's free. If you have Amex, you go to Point Me Amex. So anyone with the membership rewards card gets free access to this tool and it'll say don't spend 7,000 or don't transfer your Amex points to Delta for 600,000. And it'll show you it might even be, you know, 120,000 on Virgin Atlantic. And there might even be a transfer bonus making it even less than 100,000 points a trip. So this in the old days you'd have to be an expert like me. You know, this is where people's eyes would glaze over like I'm not checking 10 different websites. Now there are tools that you give it your exact dates or in the case of seats, Arrow, you could say, you know what, I'm flexible. I just want to go this summer. I really want to fly that Emirates flight JFK to Milan. Beautiful. They have a special route you could on Seats Aero, you could search an entire year instantly and it'll show you all the dates with economy, premium, business and first class. And to get the most value is plan your trips where the deals are right. Save the thousands you would have spent on that airfare so that you can eat at amazing restaurants or just put that money toward your retirement or student loans. So that's how if you travel and you're not playing this points game, in my opinion, you are throwing money away.
Farnoosh Torabi
Yeah. You talk about how the new game now is to get these bank cards that give you transferable points as opposed to the card that is exclusive to the airline. And we're still making that mistake. Perhaps. What are some other missteps people going with the right intentions. I want to score, you know, a great deal. I want to try to leverage credit. What are some other tricks or things that they're overlooking to get the best deal? You mentioned the apps and what are some other things that we don't know about?
Ryan Reynolds
So there's two options too. So if you can plan in advance. I talk about this in the book. You know, airlines open up a certain number of seats even on those super hard flights to get Hawaii, Australia. But to the early bird goes the warm. So a lot of airlines will open up those seats 12 months you know, 11 months in advance, 330 days out. But some frequent flyer programs don't open their award ticket booking till later, like 10 months in advance. But the trick here is you can book via foreign frequent flyer programs that have the earliest booking windows and that's how experts snag the very best seats. So like clockwork, you can wait till 11 months, 331 days to the date that the airline opens up those seats and snatch them right away. So I teach people how to get the early bird, which is it, you know, especially if you have a flexible schedule, you know, the honeymoon you want to take the next year, that's how you get it in advance. And alternatively, last minute airfares go through the roof, especially internationally. Yeah, but airlines want to fill every single seat. And contrary to public belief, the airlines want you to redeem your miles because they can't get the value from them that they sold those miles to the credit card companies until you redeem them. So airlines will also open up an incredible amount of last minute, really cheap award space to hopefully just fill seats. So, and that's, you know, if you're ever in a situation where you're in Europe, you need to come home family members sick, the airline's going to charge you an insane amount of money to book last minute one way tickets. Whereas at the same time there's usually an incredible amount of last minute award inventory. So if you're flexible and you start checking last minute, that's when you can get, oh, last minute, let's go to Tahiti. All right. Well the flights are there, you know, so being flexible I think is the key. There's no one day of the week to get the cheapest fares and you know, I wish it was that easy. But flexibility, technology are key to getting the most value.
Farnoosh Torabi
What's your strategy for insurance? Because when you were last on so money you talked about, and I do this too, where you buy like the, the refundable tickets, it's a little bit more, but then you're covered, you know, and for any reason. Whereas the insurance, maybe you do pay a little bit less, sort of, you still don't know whether you're going to qualify for that insurance. Depending on your case.
Ryan Reynolds
Yeah. And the airline tickets. So one of the changes from the pandemic is the airlines are actually pretty flexible with changes and cancellations. Like now you'll mostly get your voucher for future use for a year. So if you need to cancel, that's not like where the most heartbreak comes from. The Heartbreak comes when you book that cruise where you've got to pay six months in advance for a family of 10. And then three days before the trip grandma gets sick and you can't go and you're out 50,000 plus dollars.
Farnoosh Torabi
Oh my God.
Ryan Reynolds
This is what happens all the time. And this is where getting a 5% of the cost of the trip is generally a really good insurance policy. This is where I tell people that safari not only will it cover you for any tours, whatever, and a lot of the, you know, the devil's in the details and the coverage is very easy to read. So insuremytrip.com is the place to go to you compare and contrast policies. Never buy it through an airline or a hotel because the coverage you're getting generally isn't even insurance. It's called travel protection, which is really expensive for really terrible coverage. For less you could get far better coverage through an independent provider. And also what I've just from years of booking on insure my trip. Sometimes the most expensive policies have the worst coverage. So you always have to click down compare and contrast and you'll often find like wait a minute, the cheapest policy has incredible, you know, medical coverage, which is another point internationally your US insurance will not cover you in general if you get sick abroad and certainly medical evacuations. So this is where like those big trips, non refundable villa for the family that you have to book six months in advance, those are the trips I highly recommend. And there's also yearly insurance products. If you travel a lot, you can pay a couple hundred dollars a year and get really good yearly insurance. So you know, we're seeing wildfires in Maui randomly that what people don't realize is, you know, when you're booking non refundable flights and hotels, even if something bad happens, even if you're, you know, some airlines may let you out and have pity on you if someone gets sick. But people come to me all the time. I had a non refundable ticket, my grandma died. How dare the airline refund me. My point to them is like you, you agree no matter what you, you went into a contract and I talked about this in the book, understanding what you're agreeing to when you buy a ticket is first of all that's how like you need to understand how this industry works. And you also can't expect a small hotel to insure you, meaning they take the full loss if something bad happens. Right? This is like where I think it's important for people to protect themselves and not, you know, Rely. And finally, just like even when you're asking a travel provider for a refund if something bad happens, because I do say it never hurts to ask. But understand the difference of asking for a favor, which is most of the time what we're asking for versus what you're actually owed, because I go through it in the book. Unfortunately, we don't have that many consumer rights here in the U.S. you know, this last dot put in some rules around cancellations. You're able to get your money back. Airlines used to be naughty and would give you a, a voucher that expires whenever they cancel the flight. Now they're mandated to refund you, but you're not getting coverage for all the tours and cruises that you miss if the airline cancels your flight. And that's, that's what I want to educate people.
Farnoosh Torabi
Right.
Ryan Reynolds
I think a lot of the mistakes people make is during the booking process and even booking through the wrong channels, you know, like booking through an online travel agency can really wreak havoc. When the airline cancels your flight and you have to call your online travel agency, wait on hold when, if you book directly with the airline, they'll put you on the next flight in two seconds. So did you really save enough money to bring on the heartburn if something goes wrong? Those are the risks that I want people to understand. I think today so many people are just booking through. They Google, they find, you know, a Google Ad that takes them to an online travel agency, but they're not realizing they're not earning hotel points. They're going to get the worst room and if the hotel sold out, a lot of times those OTA bookings first to get kicked out. So most people don't even understand the risks of different channels. And that's what I really in the beginning of the book highlight. Yeah, this is, this is how it's all laid out and how you want to avoid making mistakes.
Farnoosh Torabi
I recently stayed at an Airbnb with my family up in the Pocono Mountains near the ski resorts. It was a spacious home that accommodated our whole family. A sauna for me and even a game room for the kids. It was such a lovely experience that it got me thinking again. How nice would it be to manage a property of my own? The extra cash would be amazing. But then reality sets in. Managing bookings, messaging guests, handling all the little details. Sounds like a full time job. Thankfully, Airbnb's new co host network takes the stress out of hosting. With this feature, you can hire a high quality local co host to handle all the work for you. They can set up your space, manage guest communication, oversee bookings, and even provide on site support if needed. Some co hosts even offer design and styling services to make your property stand out. So whether you've got an unused space or you're traveling for work, co hosting makes it easy to earn extra income without the hassle. Want to get started? Find the right co host for you@airbnb.com host let me ask you something. Have you ever experienced a dry, itchy scalp or like me, wondered why your hair color isn't lasting as long as your stylist promised? Well, unfiltered mineral filled water could be the reason why. Did you know hard water is a leading cause of damaged hair and dry, irritated skin? About 85% of the United States uses hard water filled with dissolved minerals and added chlorine. And that's where Canopy's filtered shower heads come in. Canopy, known for their beauty hacks and reimagined humidifier, has revolutionized the filtered shower head space with not one filtered shower head, but a handheld version as well. I'm obsessed with mine. Dermatologists recommended this unique three stage filtration system greatly reduces contaminants and odors in your shower water, leaving you with healthy hair and glowing skin. Best of all, the Canopy's filtered shower heads are hassle free, installation is a breeze, and its unique filter replacement feature allows for seamless filter changes unlike any others on the market. Go to getcanopy.co to save $25 on your canopy filtered showerhead purchase today with Kanopy's hassle free filter subscription and even better listeners, you can use the code SOMONEY1WORD at checkout to save an additional 10% off your canopy purchase.
Brian Kelly
Ladies and gentlemen, we are now boarding Group A, Please have your boarding passes ready to scan. If your phone is cracked old or was chewed up by your Chihuahua Travel Companion, please refrain from holding up the line and instead simply go to Verizon and trade in any phone in any condition from one of their top brands. For the new Samsung Galaxy S25 plus with Galaxy AI on Unlimited ultimate and watch or tap. Also on now. Service plan required for Watch or Tap, trade in and additional terms apply. See verizon.com for details.
Ryan Reynolds
With the Redfin app, you'll know the moment your next place hits the market. Whether you're looking to buy your dream home or rent a sweet apartment, give Redfin your Gotta have it wish list of property features and you'll receive real time notifications tailored Just for you ready to see it up close and personal. Scheduling a tour is just a tap away. Don't wait to find your perfect match. Download the Redfin app and start searching today.
Farnoosh Torabi
When it comes to lodging and hotel bookings, I have a hunch that if you do book your room through a third party site, you will get the worst room because you got it for less. Or you know, the hotel has to pay this third party site and so they're not going to be as accommodating or as loving when you get there versus you calling the hotel or going on the hotel site directly. But when is it worth it? Because you know, maybe it is worth it to save on the third party sites for a room that doesn't have a view, but whatever, you saved $100 a night. What's the best strategy for optimizing your hotel stay? Lodging.
Ryan Reynolds
So here's the deal. I mean most hotels, and I go over it in the book, have best rate guarantees. So if you find a cheap rate on an ota, you call the hotel or you know, ask them to match that rate. Most of the time they will because they'd rather give you that rate, not pay the 20% to the online travel agency, which is roughly what the OTAs get get paid. And you're totally right. Hotel owners, you know, Marriott and Hyatt, they generally don't own their hotels. They're owned by independent operators. Their goal in life is to get returns for their investors. So when they have to boot a customer, you're going to boot the customers you're making the least amount of money from, which is the OTA clients because there's a 20% commission. Booking direct, you're much more valuable because they're making more money. They wouldn't do something, they wouldn't do something to hurt themselves financially. Right. So that's what I want people to understand where this all comes into play. I would say book through an OTA if you're getting extraordinary savings because remember, you're not going to get loyalty points by booking through an OTA. So but if you're saving 50% and the hotel won't match it, sure. You know, just understand and make sure you book the room type you want. It's documented and if they try to put you in something inferior, you can stand your ground. But, but where I recommend booking through Luxury Travel Advisors is on the luxury spectrum. So I don't recommend, you know, you want to go to the Four Seasons, Maui's, a lot of people will just go to 4seasons.com what you're foregoing by going through a luxury travel agent who books a lot with those properties. Those travel advisors can get you hundreds or thousands of dollars in perks, upgrades, late checkout that often those luxury hotels don' on their website and booking through a luxury. So you're going to get the same price with tons of extra perks by going through a virtuoso agent. And they also are an extra layer. So say you show up, they did give you something subpar, you don't have the room you thought you did. If you book direct, you have to go to the front desk and beg. If you book through a powerhouse travel advisor who sends tons of tons and tons of business to that property, you don't even go to the front desk. You call up your travel advisor, say, hey, they're not living up and you better believe they will rain down on that hotel. And a travel advisor who sends thousands of dollars of business can say, hey, if you don't make this right, I'm not sending future clients. So you have leverage. And that's another point where people never thought about it that way. So I just want people to be strategic where they book because it can make all the difference in your travels.
Farnoosh Torabi
Who are these liaisons? These, you know, I assume you're not Talking about like Hotels.com, you're talking about individuals or agenc that work specifically with getting you lodging.
Ryan Reynolds
Yep. Yeah. So these are called luxury travel advisors. Actually, Wendy. Wendy Perrin, who is a celebrated travel journalist, she was a Conde Nash traveler for many years. She has her own wendyparin.com and she has a wow list. And these are the top, top travel advisors. And most of the time, by the way, you don't have to pay anything to use these advisors. You know, they get a commission from the hotels, so they're happy to book luxury. You know, they're not going to book your coach flights and cheap hotels. It's not worth their time. But for that African safari, you know, there's a company Roar Africa. They are the top dog bookers throughout Africa. So not only are you getting the protection, you're getting the know how you know, every safari camp's different. You're never going to be no, no person going on safari for the first time is going to understand the nuance of all the different camps, locations, wildlife. So sitting down with a travel advisor who you can download what your dreams are, they can save you time, money and just make your trip that much easier. And then if anything goes wrong and you're in Nairobi and a flight's canceled, you know, you have someone to lean on and they have whole networks. So sometimes these travel advisors do charge, but in general you can. And this is also called Amex Fine Hotels and Resorts is a virtuoso basically agent built in where you get automatic early check in if it's available, you know, breakfast, et cetera, via.
Farnoosh Torabi
I love that. Now you have built obviously a career around travel since you were 12 years old. You were booking a flight for your dad. I was reading through Travelocity. That's kind of when it all started. You even charged him for that, which is so cute. How has your approach, how has Brian Kelly's approach to travel changed over the years? And I mean, you're a dad now of two young boys and so I assume that also goes into some of your travel decisions and travel style.
Ryan Reynolds
Yeah, so, you know, I've been many different phases when I was starting in the points game in the 2000s, working in finance single, you know, those were the days with elite status where it didn't depend how much you spent, you could fly a certain number of flights. This is when people would mileage run to get like crazy. Elite status perks, free upgrades. I talk about it in the book. Elite status has changed dramatically. People are now paying for first class seats. The airlines are no longer giving away the bank, so to speak. So nowadays I don't care about elite status. I care about convenience. Flying the best plane type, which I talk about, this is another mistake people make, especially when you're flying business class. Choosing a flight that leaves an hour later might have a gorgeous suite with closing doors, lie flatbed, or you could choose the wrong flight for even more money and have a recliner seat for eight hours. Which people make these mistakes. And this is like where just understanding a little bit about plane type and learning the differences between seats and stuff makes all the difference. So nowadays, yeah, I'm just, I need to get where I need to go the most reliably. So like on time performance. And that's why I will pay a premium to fly Delta. They're the most on time airline in the US but I also will not drive an extra 2 hours to JFK, which I hate. So sometimes I'll say I'll go to United, you know, so I, I know I'm taking the flights that are the most convenient and you know, have the best on time, you know, percentages, not connecting when I don't have to. I mean I do check a bag with two little kids sometimes. It's unavoidable. But you know, when possible because you know, you know when you check a bag, you have a lot fewer options when something goes wrong. When you're, when you're untethered from the.
Farnoosh Torabi
Totally, yes, you can just pop a.
Ryan Reynolds
Gate down and get on the next flight. But when you've got that bag checked, you got a bag borrow steal to get it back, you really are tied to that flight.
Farnoosh Torabi
Totally traveling light. Sorry. Keep going.
Ryan Reynolds
Oh, and I just, I have to add with the tip and I scream it from the rooftops. Always put an air tag in all of your luggage. Not even just your checked bags, but air tags. Now, if the airline loses your bag and you don't have an airtag in it, shame on you because they're so easy, cheap, and it will give you real time, almost location of your bag wherever it is in the world. And the airlines now actually integrate with Apple where you can share your airtag location and that will get you your bag back so much faster.
Farnoosh Torabi
But like, they tag it and can't they? Like, why isn't that enough?
Ryan Reynolds
Yeah, you would think. I mean, some airlines are decent, but they can try.
Farnoosh Torabi
Yeah. Yeah, I guess it's not, it's not electrical.
Ryan Reynolds
I know it's sad that we have to pay $20 to have our own bag trackers. I don't make the rules here, kids. You know, the airlines continue to mess it up or tag the wrong airport. Those agents are often overworked. So I always recommend when you check your bag, take a photo, make sure the bag tag is to the right location and take a photo of your luggage. So if it does go missing, you can easily just share it with them.
Farnoosh Torabi
And another pro tip for new parents over, pack diapers, Bring two extra changes of clothes. You just never know when your child's going to have a vomit attack or, you know, some other Ziploc bag.
Ryan Reynolds
Ziploc bag. And sometimes be ready to just throw out clothes, too. You know, the blowout will always happen.
Farnoosh Torabi
Just ask the flight attendant, please, do you have a hefty bag?
Ryan Reynolds
And not only an extra change of clothes for your kids, but also you bring that extra T shirt, the comfy, stretchy.
Farnoosh Torabi
Oh, I got stories. And lastly, before we go, Brian, tell us your biggest win in travel to bring it back to your book, how to win at Travel. What's been Brian Kelly's most recent or historical best win, where you just like, you know, this is the story that you're going to be telling your grandkids.
Ryan Reynolds
For me, it's just it's traveling intergenerationally. So my parents instilled so many values in me. We've had so many great trips. And now that my son, I mean he's been to 16 countries in two years. And I would just say our most recent trip in November, we went on safari to this place called Cheetah Plains in South Africa. And I was just at a moment in this beautiful safari day. My parents, my son in beautiful wilderness and my son was like taking it all in and was spotting elephants that we couldn't even see. And I just, it was a moment of just complete I'm so fortunate to be able to explore the world and make these memories that I will forever to take with me for the rest of my life and being able to do it without breaking the bank. And my parents feel good traveling with me because they know I'm not shelling out 20,000 for their tickets. You know, I'm using points that I've saved. I think it just makes it all even more sweeter.
Farnoosh Torabi
That's such a sweet story and you should be so proud. And your parents, I can't even imagine what, what it's like for them to see it through your eyes and now their grandson's eyes. And thank you for sharing all of your advice continuously for us. And your latest book is called how to Win at Travel. Brian Kelly, founder of the Points Guy, thanks for coming back on the show.
Ryan Reynolds
Thank you so much for having me. Safe travels.
Farnoosh Torabi
Thanks so much to Brian Kelly for joining us. His book is called how to Win at Travel. Stay tuned for Wednesday's episode, a continuation of our look at how to save on travel. We have Matthew Kepnes, author of the updated book how to Travel the world on $75 a day. Until then, I hope your day is so money.
Brian Kelly
Ladies and gentlemen, we are now boarding group A. Please have your boarding passes ready to scan. If your phone is cracked old or was chewed up by your Chihuahua travel companion, please refrain from holding up the line and instead simply go to Verizon and trade in any phone in any condition from one of their top brands. For the new Samsung Galaxy S25 plus with Galaxy AI on Unlimited ultimate and a watch or tap also on them. Service plan required for watch or tap, trade in and additional terms apply. See verizon.com for details.
Grainger Representative
If you're a facilities manager at a university, you know students rely on the cafeteria for breakfast, lunch, dinner and the occasional late night snack. So when a dishwasher breaks down and dirty plates pile up the mess hall can turn messy in the blink of an eye. Enter Grainger. With over a million industrial grade products and fast delivery, the product you need now is never far away. So you can turn that dishwasher back into a lean, clean washing machine. Call click granger.com or just stop by Grainger for the ones who get it done.
Podcast Summary: So Money with Farnoosh Torabi
Episode: 1783: How to Travel Better, Smarter, and Cheaper with The Platinum Age of Travel
Release Date: February 3, 2025
Host: Farnoosh Torabi
Guest: Brian Kelly, Founder of The Points Guy
In episode 1783 of So Money with Farnoosh Torabi, host Farnoosh Torabi welcomes Brian Kelly, the founder of The Points Guy, to discuss his newest book, How to Win at Travel. The episode delves into the intricacies of modern travel, especially focusing on leveraging points and loyalty programs to enhance travel experiences without breaking the bank.
Brian Kelly introduces the concept of the "Platinum Age of Travel," a term he uses to describe the current era where travel has become more accessible and rewarding through sophisticated loyalty programs and transferable points systems.
Brian Kelly [05:51]: "I wanted to make the argument that… you're living in an incredible time. Not only is travel more affordable, but leveraging the loyalty ecosystem can open doors to amazing experiences without hefty price tags."
Kelly contrasts the Platinum Age with previous eras, highlighting how travel was once exclusive to the wealthy and fraught with challenges such as higher costs and safety concerns. Today, advancements in technology and the proliferation of transferable points have democratized travel, making it safer, more flexible, and financially accessible.
A significant portion of the episode focuses on how travelers can maximize their points and loyalty programs to secure premium travel experiences. Kelly emphasizes the shift from airline-specific credit cards to versatile, transferable points systems offered by major banks.
Brian Kelly [08:15]: "You need to be earning transferable points. Programs like Chase Sapphire, Amex Gold, and Capital One Venture offer currencies that transfer to a number of different partners, unlocking a plethora of travel opportunities."
He explains the advantages of transferable points, such as flexibility in redeeming them across various airlines and hotels. This approach allows travelers to avoid the "old mindset" of being tied to a single airline or hotel loyalty program, thereby enhancing their ability to find the best deals and experiences.
Kelly introduces several technology tools that simplify the process of finding the best travel deals. Tools like Point Me and Seats Aero Roam Travel are highlighted as essential for navigating the complex landscape of points and award bookings.
Brian Kelly [09:44]: "Point Me is free for Amex members and helps you find the cheapest flights by suggesting not to spend excess points on inflated airline programs."
These platforms allow users to input their travel dates and preferences, displaying the most cost-effective ways to utilize points for various destinations and classes of service. This technological assistance democratizes access to premium travel experiences, making them attainable even for those with modest point balances.
Kelly shares strategic insights on booking flights and accommodations to maximize value and minimize costs. He discusses the importance of booking early to secure limited award seats and the benefits of last-minute bookings when airlines release additional award space.
Brian Kelly [12:22]: "If you book early using foreign frequent flyer programs, you can snag the best seats months in advance. Conversely, being flexible for last-minute awards can save thousands."
He also warns against common pitfalls, such as booking through online travel agencies (OTAs), which often result in fewer perks and poorer service compared to booking directly with airlines or hotels. Instead, Kelly advocates for using luxury travel advisors for high-end bookings to gain access to exclusive perks and better customer service.
Brian Kelly [22:50]: "Book through a luxury travel advisor when possible. They can secure hundreds or thousands of dollars in perks and handle any issues seamlessly, ensuring a superior travel experience."
The conversation shifts to the importance of travel insurance, especially in safeguarding against unforeseen circumstances like trip cancellations or medical emergencies abroad. Kelly advises travelers to purchase comprehensive insurance policies through reputable independent providers rather than relying on airline or hotel-provided "travel protection" plans.
Brian Kelly [14:40]: "Insuremytrip.com is the place to go to compare and contrast policies. Independent providers offer better coverage at a fraction of the cost compared to what airlines or hotels charge."
He underscores the necessity of understanding the fine print of insurance policies to ensure adequate coverage, particularly for international travel where U.S. insurance may not suffice.
Towards the end of the episode, Kelly shares a personal story that encapsulates the essence of effectively using points and planning to create memorable, cost-effective travel experiences. He recounts a family safari trip to Cheetah Plains in South Africa, highlighting how using points allowed for a luxurious yet affordable adventure.
Brian Kelly [31:08]: "Our trip to Cheetah Plains was a moment of pure joy—watching my son spot elephants and feeling grateful that we could afford this experience without breaking the bank, thanks to the points we've accumulated."
This anecdote serves as a testament to the potential of modern travel strategies in creating enriching experiences for travelers and their families.
Throughout the episode, Kelly offers practical advice for travelers looking to enhance their journeys:
Use AirTags: Always track luggage using AirTags to prevent loss and expedite recovery.
Brian Kelly [29:20]: "Always put an AirTag in all of your luggage. It’s easy, cheap, and ensures you can locate your bags in real time."
Pack Smart for Families: For those traveling with children, pack extra clothes and essentials to handle unexpected situations like diaper changes or spit-up incidents.
Brian Kelly [30:20]: "Pack diapers and bring two extra changes of clothes. You never know when a vomit attack might happen."
Understand Booking Channels: Avoid OTAs for better loyalty rewards and service, and consider luxury travel advisors for high-end stays.
Farnoosh Torabi concludes the episode by expressing gratitude to Brian Kelly for his invaluable insights and previews upcoming episodes that will continue to explore ways to save on travel.
Farnoosh Torabi [32:23]: "Thank you for sharing all of your advice continuously for us. Stay tuned for Wednesday's episode, a continuation of our look at how to save on travel."
Key Takeaways:
Leverage Transferable Points: Opt for credit cards that offer points transferable to multiple airlines and hotels for maximum flexibility and value.
Utilize Technology Tools: Platforms like Point Me and Seats Aero Roam Travel simplify the process of finding and booking the best travel deals.
Strategic Booking: Book early for award seats and consider last-minute bookings for additional savings. Avoid OTAs to gain better perks and service.
Comprehensive Travel Insurance: Invest in independent travel insurance policies to ensure adequate coverage, especially for international trips.
Practical Travel Tips: Use AirTags for luggage tracking, pack smart when traveling with family, and consider luxury travel advisors for high-end bookings.
Personal Stories Enhance Understanding: Real-life examples demonstrate the benefits of smart travel planning and points utilization.
Notable Quotes:
Brian Kelly [05:51]: "You’re living in an incredible time. Not only as travel, the price isn't as much comparatively, but it's even more affordable when you take advantage of the loyalty ecosystem."
Brian Kelly [08:15]: "You need to be earning transferable points… These are currencies that allow you to transfer to a number of different partners."
Brian Kelly [22:50]: "Book through a luxury travel advisor when possible. They can secure hundreds or thousands of dollars in perks and handle any issues seamlessly."
This episode serves as an essential guide for travelers seeking to navigate the complexities of modern travel, offering strategies to enhance experiences while maintaining financial prudence.