everyone has their own unique views and needs when it comes to financial success if you'd like to leave your financial woes behind and live a life of Financial Freedom you've come to the right place welcome to the saving with Steve show hosted by Steve Sexton the show will help you with the ins and outs of money we talked about financial issues that could be costing you thousands of dollars and keeping you up at night we talked about money tax reduction saving more spending less 401K risk management retirement and everything under the sun that relates to you having a healthier happy relationship with money now here is your host of saving with Steve Steve Sexton welcome to talk about the ins-and-outs of money pretty much everything in the sun release you having a healthy relationship with money want to thank you for joining us today thank you for sharing it with your friends and family are so she has we have about a month-and-a-half left in the year<br> and many people are getting prepared for next year's travel to try to figure out how to do with the family how to do it for the last to get more out of the dollar how would you like to go on your dream vacation dream vacations are typically daunting Way Beyond budget don't worry we have Coach Chris year he's going to teach the inside of chicks to going on a dream vacation without breaking the bank and sometimes much as 90% off with that I want to introduce you to Chris Clash Chris is actually the number one travel Guru I'm powering inside secrets are safe and luxury travel and Leisure for pennies on the dollar bringing families together so they're memories last forever we're really looking forward to a lot of value here so you really want to pay attention you want to go to the website at saving Steve. Us and look at this episode when it's over because last time we had Chris on so many people came back there since that that was the best I use the tips that saved me a ton of money and they're going on some wonderful vacation so Chris welcome<br> the show thank you thank you thank you yes see if it's a pleasure to be here I think since the last time I was on the outside has become more important and you know after covid people decided that they wanted to have their weddings again the family vacations reunions business started there is sociation meeting so obviously travel his comeback but again with problems in today's economy I don't think inflation is you know it's 3% I think it's more like 33% so you look at your gas cost groceries cause your insurance bills interest rates and travel are prayers are going up 30% hotel accommodations 30% so you know I keep track of this travel is not 3% increase but 33% so that's why your audience really needs to know how to save the money on travel there is a way I've been doing is 20 years it's in my blood it's in a drug I've read every block of a Don like your shows entrepreneurs who are spoken<br> all over the country I do to research and I really do it for myself I'm a travel Guru I love to travel this is a second job for me I retired as an executive and I got into this travel thing and how do I pay for it especially the economy not where we 33 trillion in debt now now we got that buy in force to fly coach on Air Force One my kids school lunch programs in a macaroni and cheese is fakharany or he's out in California where you are Paris Hilton chains are in a name the Paris Red Roof Inn Tesla dogs yoga classes we all know that lot of people are struggling out there but they still want to travel they want the benefits they reduce stress especially you don't sound good in the politics reduce stress reduce anxiety all the Studies have shown to travel and Leisure by retreating relaxing renewing rejoicing and remembering with your family and friends and also business meetings for the entrepreneurs like myself for you<br> they want to attend the association meetings to learn to know whether it's a guy or in that work with people or the industry Trends it's important we don't give up that business travel I'm here to share with your audience you know some critical Tipsy you mention one thing I'll start off Planet Advanced that's the biggest if not I live in Palm Beach Florida by ghosts and they all the most luxurious Place inexpensive Place Vail and Aspen in the in the country but I plan 13 months in advance I get the airline so use my timeshares the book 2 months in advance so if you know where you want to go plan is far in advance make a plan Travelers three aspects number one by making a plan in advance or something to look forward to you could be looking forward to that trip it's booked it gives you endorphins to your brain and number two part of travel obviously you're looking forward to that adventure and experience and a third aspect of travel is<br> obviously creating a memories we all got phones and pictures and creating at Legacy but first tip is plan in advance if you know where you want to go planet and that leaves the tip number one and that is planning in advance and how do you save money to fix I think we discussed last time if you recall Steve for a family traveling a couple traveling single person business person traveling or airfare and accommodations to beat airfares<br> every Airline is associated with the bank has its own credit card for instance stealth is with American Express Chase Southwest rewards I fly American there with Capital Bank and Barclays Bank in there Steals on credit cards where you sign up spend a minimum to 3010 you going to get 57 1000 airline miles and then you leverage this with your spouse or your grown children you're going to get another $70,000 I treat my clients I teach him we should credit card out there I think I told you about it right now<br> you make one purchase buy a pack of gum fill up your gas tank and you're going to get 75000 American airline miles 75,000<br> no charge for the first you don't charge for the credit card just keep your credit scores as we all know as individuals I'm sure you thought you were always keep that credit score going pay the bills obviously we don't want to pay interest on a credit card $19 25% rate of bills keep your credit score above seven hundred and you'll get a credit card for buying a pack of gum that's going to give you $1,500 worth of flight and you don't pay for luggage check-in with you for you and your traveling party in addition to that one other bonus is you get priority boarding so if the first class business class boards on American Airline I bored I'm flying coach I'm not rich I can't forward first class so you don't have to fight for that overhead space now Southwest if your family fly to Southwest destinations obviously they have two or three credit cards and they have a program or basic<br> play if you utilize their credit cards and accumulate enough spending and points that go on rapid reward points you and a companion in fly three for one year that's right you and a companion It's All a Game travel hacking The Insider secrets that's what I provide so your family's a pick an airline did they plan to vacation with whether it's United Southwest I put it you know I use American some people fly Delta even the International Airlines of people in California go to Hawaii Hawaiian Airlines Aloha Airlines they all have credit card to spend a couple of thousand bucks and you're going to get the equivalent of a free round-trip and you could leverage this if you're not tripping or like I said with your business what I do I have to business entities and I get the business credit cards so when you figure it out that's what's been keeping me flying for<br> free for over 15 years just be smart and how you do it and that that takes care of the Airlines and when you figure it out paying for baggage check and just be smart about it Planet Advanced get the credit card you'll be flying for free with your family if you have a business even get a business credit card spend a minimum and dick that you and I are especially now with inflation airfares have gone up I'm telling you 300% holidays another quick tip look at other airports you know the main airports like La Ontario you know sna airports on in Palm Beach I Look to fly out of West Palm Beach Fort Lauderdale or Miami there's a big difference the other thing about inflation risk let me add something here before we go yeah for all of you out there the first time I had Chris on I started looking at these I got referral points by referring my daughter my<br> show me why it ended up with a hundred and fifty thousand points on Southwest on top of that I don't fly United but a year ago I had to go to Indiana I sign up on the United credit card and ended up with seventy thousand points which was really interesting after to spending $1,000 which was really easy cuz I just spent my regular bills and pay it off for that cover the flight and then some in the southwest G's 150 thousand points think about it folks we covered my daughter's transportation from Idaho to California plus our transportation Idaho California Rendon paper single flight for a whole year that's cool we're going to take a quick break we're going to be more coach Chris you really want to stick around cuz the next deal. They're really easy to get you just got to know where to go and that's why I have Coach Chris so sick with this will be right back with some more saving was Steve more expert advice for having a happier relationship<br> ship with money still to come on the saving with Steve show<br> don't let your financial woes keep you up at night and prevents you from living a life of Financial and personal freedom hi I'm Steve Sexton post of the saving with Steve show where did he talk about the ins-and-outs of money those financial issues it could be costing me thousands of dollars causing stress keeping you up at night we're going to talk about money tax reduction saving more spending your investment risk management retirement and everything is so sweet with you having a healthier happy relationship with money soon as you've ever dreamed of living a life of Financial and personal freedom you owe it to yourself and your family to tune in to the saving with Steve show join me Steve section of the saving with Steve show as we talked about everything under the sun when it comes to money to learn more about the show visit saving with Steve. Us that's saving with Steve. Us saving with Steve. Us will see you soon<br> welcome back to the show that is here to help you achieve your financial goals it's the saving with Steve show now here's your host Steve Sexton a little welcome back to saving with red one is truly thank you appreciate you for sharing this with your friends and family and Associates all the replays are available at saving with Steve. Us this is episode 153 so if you go to saving with Steve. Us you can listen to it over and over again all those wonderful trip if you're enjoying the stories of helpful information inside on saving the Steve I encourage you to start your YouTube channel or Spotify Channel we also want to check out a few Uber fuel at UK Health radio BBS radio talk radio suit New York City Andy 360tv all these networks are dedicated to empowering you to solve problems uplift your spirit and live a life of personal financial Freedom it again you always want to check us out at Facebook at saving with Steve Sexton at the Insiders Club then get some replace gaskets and there's a ton of gifts that Chris given to you today so Chris thank you<br> being part of our show appreciate it we were talking about travel how to get travel points on credit cards let's start talking about the next be so people can get as much out of this is possible to love two and that's a pleasure to give you a ride in this information because we all do you need to travel for our personal Wellness corporate Wellness retrieval remember this not to escape life but for life not to escape us and is transitions into my second tip the second big part of travel expenses as your audience knows is it combinations<br> I mean accommodations are expensive we covered airfares and accommodations most of us think about when we travel hotels Resorts long I'm here to tell you I've been doing this for 20 years for the word hotel when you plan your vacation I'm talking that's a typical family vacation forget even thinking about a hotel why because Marriott Hilton Hyatt Weston Disney Starwood Wyndham Holiday Inn even though they're all hotels we all stayed there all resorts all over the world but they also have vacation club products<br> Vacation Club they used to call him timeshares timeshares got a bad name cuz all the sales tactics all the lies excetera but every one of those hotels has vacation clubs and there's many owners out there now<br> that what they do that all these resorts<br> and a roll over the country and roll the luxurious Hawaii room but you are up here I am in Florida I'm a ski bum I spent two months in jail you're better off renting a unit one of these timeshares are PlayStation clubs from an owner on there's a website go to read week redweek, this is where owners list their unused timeshares are trying maintenance of course I'm going up 30 40% sold or just trying to recoup their maintenance yard so you could stay in one two-bedroom units sleeps 8 three-bedroom units sleep 12 at full Resorts now with Pools and jacuzzis club houses and they all come with a full-service kitchen a washer and dryer a balcony free Wi-Fi I go to Vail I even get her go<br> garage and you'll find out you could rent from an owner now that's from the developer that's a Marian Hills High at these are people that all nice time shares and rent from them for less than Motel 6 prices so I think they give you an example perfect example me I'm Escape up I go to jail I'm not rich but I love this game I like to go first class Adele hotel room is ski season goes for $1,500 and night 1545 I wish you could go on this redweek.com and rent from an owner<br> and get a timeshare at the Marriott brand with a fireplace on kitchen washer dryer free transportation to the ski slopes in on clubhouse with all the cozies in a steam room and you're going to pay less than $300 a night no text from an owner that sleeps six or eight another words you're going to pay you triple the amenities quadruple the amenities for less than 25% of what it cost a hotel room and you could leverage this where they are going to New York eurypterus wrong London Aruba places in Hawaii any resort area Disney World it's all out there another website to go to again where there is renters is Tug timeshare you could Google is timeshare users group<br> too I think it's stocked Amor. Org and that's where owners people like me I on timeshares and I'm tired of the maintenance fees they've gotten older and they're just trying to recoup the costs so they don't ruin their credit they can't get back the time shares with developers unfortunately aren't paying them anything and this is the way to get bargain rates and luxurious resorts for Less did Motel 6 prices when you're thinking about that Family Vacation some of them I run out Five Nights part of my business I ran out a lot of my my inventory and this is how it doesn't have to be for a full week lot of the listings are for five nights 3 nights or a week and he's are all luxury properties again we're talkin about safe decline Elena's still have the safety standards of the hotel change there's also other times he was obviously too darn associated with the major brand hotels that are even alive show<br> but I recommend spending a little extra money stay with the hotel Brands cuz you're going to get the safety Good Housekeeping cleanliness full amenities of a resort I probably stay and these Resorts timeshares for months out of the year I use it for business travel I just came back from Lake Tahoe I stayed at the Marriott Resort called Timber Lodge I was getting some videos done for my business I also am a comedian I pee on a local comedy club there and it costs less than any hotel and its slept you do for six people all agree and you don't have to join a club there's no upfront fee you don't pay sales tax Rome taxi just be careful that you get Alicia deal with the owner you make sure the reservations legitimate you get a copy of the confirm reservation and you.<br> call directly with the owner and that's how you're going to say 6080 90% and operates a luxury by using this technique you know I was just checking out redweek.com and the Marriott Waikoloa and Hawaii you can get a room for $300 a night regularly eight hundred fifty bucks what's really interesting is there's all those extra little things for Resort fee and all that stuff that you don't pay cuz I've already done this before there's an extra maybe $80 a day that you don't realize it's getting it added on to your Resort fee and you know what you don't get any of that with red week or timeshare users group so I think that's wonderful I read this is a classic knific Italy parking somebody's Resorts charge $68 a day to park your car when you're in from an owner there are known or they've already bought into the system they pay the money upfront you're getting the advantages you're not going to pay<br> for valet parking but you're going to say astronomical prices I don't want to sound narcissistic here I stand $80,000 worth of accommodations while I'm in jail for nothing I even get roommates I think it's an access then I got to Argentine multi-millionaires that stay with me than they paid it basically to maintenance so I'm staying at $80,000 worth of first-class accommodations. First class fireplace Wi-Fi TVs the whole bit garage Clubhouse I pay nothing but people can learn how to do it that's what I do what I've been doing for 20 years people don't know about Easter Insider Secrets not many book travel hacks excetera that your audience should be familiar with again<br> the live the dream like I say dream for a moment remember for a lifetime the best things in life aren't the material things so your health family face and those precious memories and experiences but how do we go about paying for this for ten cents of a dollar that's why you have me everybody that's here I was looking at the resort okay for the Marriott it's $40 per night for the resort fee your wireless is $15 a night your self parking is $25 a night if you Valley is 35 if you have a roll a it's 45 if you would like a breakfast it's more so you know what I said that extra $100 every single night that you don't have to pay by doing red week makes a big difference on top of the $4,500 you're saving per day that can go a long way to Grace and great memories also timeshare uses grocery like me I'm in a lot of Marriott Facebook groups<br> I know the industry very well but for the common person that's it and also just another quick add on if they're looking just to stay at hotels again talkin about credit cards Marianne has a credit card with American Express in with Chase Bank if you do enough spending you're going to get enough bonvoy points syrup you know Marriott points to stay in all their hotel chains and you build up leverage so you get on the the sweet level you get a late check-out at 4:30 so I don't have a chance at this time to discuss all these travel tips but that's what I do in my seminars in my speaking engagements I give people the complete rundown I answer questions because again I speak in sound bites you don't have to be rich to leverage I'm certainly not rich but I vacation for Muncie are first class<br> wonder book Chris I want to thank you for being on the show again if you're looking at the timeshare users group it's tugg tub to at dotnet that's where you want to go to and if you're looking at Red week is redweek.com you definitely want to go there Chris if somebody would like to reach out to you or just get some chips or coaching or even talk to you about doing a corporate event how did they get ahold of you yeah my websites pretty complete I just updated it go to Coach Chris speak. Calm coach Chris speaks. Calm and I'll give you my phone number its a people call me direct I'll give me a free consultation I put him in the right direction just mentioned they heard me on your show Steve saving with Steve and I'll give you 15 20 minutes of my time going in the right direction cuz everybody's travel needs are unique different<br> places different times of the year my phone number is 561-386-2986 but if they go to my website all the contact information is there what I speak about and it was the best value they get if they have an association the Slime a breakout session speaker that's what I do for a living that's looking for Unique speaker that talks about these things work-life balance reducing stress and how to travel for just pennies on a dollar and luxury now I'm not a Motel 6 guy that I am the guru I'm the guy you should have at your event and I welcome the opportunity thank you so much for being on the show and again will likely have you back next time because this has been wonderful we're going to get a lot of wonderful feedback from our listeners so thank you so much<br> feel free to check out by the websites pretty complete they are but if they want to call me call me perfect thank you so much so I just want to say that you want to go check it out we're going to take a quick break so stick with us and be right back with some more saving with Steve more expert advice for having a happier relationship with money still to come on the saving with Steve show<br> don't let your financial woes keep you up at night and prevent you from living a life of Financial and personal freedom hi I'm Steve Sexton post of the saving with Steve show where to be talking about the ins-and-outs of money does Financial issues it could be costing me thousands of dollars causing stress keeping you up at night we're going to talk about money tax reduction saving more spending your investment risk management retirement and everything is so sweet with you having a healthier happy relationship with money soon as you've ever dreamed of living a life of Financial and personal freedom you owe it to yourself and your family to tune in to the saving with Steve show join me Steve Sexton on a saving with Steve show as we talked about everything under the sun when it comes to money to learn more about the show visit saving with Steve. Us that's saving with Steve. Us saving with Steve. Us will see you soon<br> welcome back to the show that is here to help you achieve your financial goals it's the saving with Steve show now here's your host Steve Sexton hello welcome back to the same thing with Steve I was truly thank you I appreciate you for sharing this with your friends and family and Associates all the replays are available at saving with Steve. You ask you if you go to saving with Steve. Us you can listen to it over and over and get all those 10 tabs if you're enjoying the stories of helpful information inside on saving the Steve I encourage you to start your YouTube channel or Spotify Channel we also want to check out a few of our fuel is it UK Health radio BBS chakri to shoot New York City Andy 360tv all these networks are dedicated to empowering you to solve problems uplift your spirit and live a life of personal financial freedom and again you always want to check us out at Facebook at sitting with Steve Sexton at the Insiders Club he can get some replace gaskets and there's a ton of gifts that Chris given to you today so one heck of a guy you want to check out those different options<br> if you're looking at reducing significant then combinations that said there's a number way<br> is your 401k you got to remember<br> anywhere from 2 to 6 % it's free money if you're not doing it because every time you contribute if you contribute the max if they're going to offer for 6% and you're already contributing 6 per cent you could be in a situation where you're actually doubling your contributions and setting yourself up better on top of that when you look at a corporate plan sometimes you got to be there a little bit longer because they want a vast amount of money that they put in with you so make sure you know what you're getting an advance before you start doing that because if you're planning to leave you might want to just contribute your own dollars next think about how to maximize your 401k this year we're looking at twenty to $23,000 if you're over 50 and it's almost $27,000 and even more than that if you're at sixteen and you're trying to catch up this is a wonderful time to start doing this cuz this time of the year people start getting bonuses to put more of the bonuses in there okay find ways to maximize if you're just getting started and you can only save three for<br> her dollars every month that's great but every time you get a raise increase the amount that you're contributing to your 401k is that way you're going to keep getting to the point where you keep increasing and keep increasing it and next thing you know you're at the max and at that point you're in a great spot everything else you use for other things travel would have you taken care of the family stuff but you could save more more that way don't cash out early if you're under 59 and a half the IRS charge you 10% on top of taxes if you're to take out money early<br> and by doing so most people who do they're really going to have a tough time making the retirement goals so it's very very important to not derail your retirement goes next Borland Kane best friends have very high fees and you can reduce your balance of the time you should pick the lowest-cost investments in your 401k plan it also matches your risk tolerance the US Department of Labor requires 401K plans to send participants annual fuse goes to the list cause of every phone in the plant at the fees are high consider bringing this up to your company's human resource department to see if you can get it changed to get better fees at lower costs so you can get more out of it and with that I want to take everybody for Georgia today on saving was Steve we're going to look forward to seeing you next time with that they say stay healthy and we'll see you next time bye bye<br> thank you for joining us for the saving with Steve show hosted by Steve Sexton to learn more about the show and how to become a guest or sponsor visit saving with Steve. Us that saving with Steve. Us join us again next time as we continue to talk about everything under the sun that relates to you having a healthier happier relationship with money this has been the saving with Steve show hosted by Steve Sexton<br>