TopPodcast.com
Menu
  • Home
  • Top Charts
  • Top Networks
  • Top Apps
  • Top Independents
  • Top Podfluencers
  • Top Picks
    • Top Business Podcasts
    • Top True Crime Podcasts
    • Top Finance Podcasts
    • Top Comedy Podcasts
    • Top Music Podcasts
    • Top Womens Podcasts
    • Top Kids Podcasts
    • Top Sports Podcasts
    • Top News Podcasts
    • Top Tech Podcasts
    • Top Crypto Podcasts
    • Top Entrepreneurial Podcasts
    • Top Fantasy Sports Podcasts
    • Top Political Podcasts
    • Top Science Podcasts
    • Top Self Help Podcasts
    • Top Sports Betting Podcasts
    • Top Stocks Podcasts
  • Podcast News
  • About Us
  • Podcast Advertising
  • Contact
Not in our directory?
Add Show Here
Podcast Equipment
Center

toppodcastlogoOur TOPPODCAST Picks

  • Comedy
  • Crypto
  • Sports
  • News
  • Politics
  • True Crime
  • Business
  • Finance

Follow Us

toppodcastlogoStay Connected

    View Top 200 Chart
    Back to Rankings Page
    Business

    How to Money

    Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living a rich life.

    Advertise

    Copyright: © 2023 iHeartPodcasts

    • Apple Podcasts
    • Google Play
    • Spotify
    Latest Episodes:
    Friday Flight - Toxic Ticketmaster, Water Waste, & Macron’s Mission #648 Mar 24, 2023

    Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: your craft beer equivalent, J Powell sticks to his guns, banking fees on the decline, toxic Ticketmaster, needing more competition in free markets, water waste, postponed passports, stalled social security, costly cellular service, & the acquisition of Mint Mobile.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    The Harsh Realities of Real Estate Investing #647 Mar 22, 2023

    Is homeschooling the best move for your family? Maybe!? That depends on so many factors like your family values, the goals for your career, what resources are available to you, and even what school your kids are currently attending. We’re both products of basic public schooling, but it’s a topical question as the percentage of children who are homeschooled has basically doubled in the past few years- but, homeschooling isn’t a slam dunk decision. And the same is true on the real estate investing front. We love that path for some people and it’s a strategy that has worked out well for us. You’ve heard of real estate moguls who’ve made millions ‘in real estate’ and maybe the algorithm is even feeding you social media influencers who are claiming that it’s so easy. Well today we have a nuanced conversation to help you to determine if it’s right for you or not. We discuss how the real estate market has evolved over the past decade, some of the cons in addition to pros of becoming a landlord, some alternative ways to invest in real estate that are essentially passive, as well as some lower risk ways to wade into the waters of investing in real estate.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

    During this episode we enjoyed an US Alive by Mikkeller Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - 1.5x Speed on Savings Goals, Free Tax Prep Software, & Too Old to Invest? #646 Mar 20, 2023

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - Reaching my different savings goals is taking too long- how can I speed things up?!

    2 - Should I use a 529 account rollover to increase how much I can sock away into my Roth IRA?

    3 - What’s the best account that I can set up for my one year old daughter before she has earned income?

    4 - Are the free tax prep software companies and websites legit?

    5 - When is it too late to invest in the stock market?

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

    During this episode we enjoyed an Infrared Eclipse by Rhinegeist Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Bank Blow-Ups, Is Your Money Safe, & Plastered Purchases #645 Mar 17, 2023

    Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Costco refunds, asking for a discount, bank blow-ups, whether your money is safe, how to score more FDIC coverage, where rates might be headed, AI financial advice, plastered purchases, in-app purchases cost you more, and a big thanks to Argentina M for telling others about the HTM Newsletter that we publish every Tuesday morning- it’s fun, free, practical, and we think it’ll help you to get ahead with your money!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Reacting Rationally to Rising Rates #644 Mar 15, 2023

    What one thing do we all do before we put our clothes on in the morning? We all check the weather! Because which clothes we opt to wear is largely dependent on what the sun is doing- whether it’s out and burning our skin, or if it’s hidden away behind some ominous rain clouds. And in fact, the changing seasons and fickle nature of the weather impact us in a variety of ways. They change our behavior and determine what sports we get to play, or what flowers and vegetables we plant in the garden. And simply put, the Federal Reserve interest rate is the financial sun that ultimately impacts all of our financial lives. Whether or not rates are rising or falling impact everything from the payments we make on our credit cards, to the interest we receive in our high yield savings accounts. And so during today’s episode we’re equipping you with the knowledge and practical steps so that you can minimize the downsides, while maximizing the upsides of rising rates.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Cloudscape IPA by New Park Brewing- thanks for donating this one to the pod Matthieu! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Use It Up, Wear It Out, Make It Do, or Do Without with Katy Wolk-Stanley #643 Mar 13, 2023

    Everybody has heard of a consumer advocate before- someone who helps to make sure that individuals are getting the best deal possible. Or to make sure that the quality of the products is up to snuff. For instance think of Consumer Reports and the countless reporting and tests they perform on the different items we use as consumers. But you likely haven’t heard of a ‘non-consumer advocate’ before and that’s who we’re talking with today; our friend Katy Wolk-Stanley! Katy’s site is TheNonConsumerAdvocate.com and she helps people learn to live on less, and to do so in a way that lessens their environmental impact. She’s an uber-frugalite who hardly ever buys anything new, and she uses that superpower to help others to live on as little income as possible. In this episode we discuss some of the different tactics that anyone can deploy: prioritizing lower tech solutions that last, how Katy easily fixes her broken household items, how minimalism and frugalism compliment each other, selling items on eBay, getting tax breaks for donating to Goodwill, and more!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Cloudscape IPA by New Park Brewing- thanks for donating this one to the pod Matthieu! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Student Loan Silly Season, Revenge Spending, & Entrepreneurship Everywhere All at Once #642 Mar 10, 2023

    Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: entrepreneurship everywhere all at once, student loan drama, more paid apprenticeships, degrees overseas, soft skills supreme, proliferating perks of credit cards, gift cards galore, revenge spending, as well as rapidly rising car debt and delinquencies.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Buffettisms: Lessons from the GOAT Investor #641 Mar 08, 2023

    Who is the greatest actor of all time? You might have an opinion- maybe it’s Meryl Streep or Daniel Day-Lewis, but this would likely lead to a pretty fierce debate. And the same could be said about athletes- who is the greatest? Is it Michael Jordan or Michael Phelps? Well it depends on who you’re asking because it’s in the eye of the beholder to a certain extent. We all want to know what sets the greatest in their given field apart from the ones who were just really good. Luckily the greatest investor conversation isn’t nearly as fraught. Warren Buffett is the GOAT in our eyes and we’re certainly not alone in that assumption. And it’s not only due to the returns he’s garnered- his longevity, consistency, and humility are admirable as well. So today we’re going to talk about the GOAT investor and what financial, and life lessons we can learn from him. How you should approach your investments, how long you should be holding them, and what you should be investing in are just a few questions we’ll answer today.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Blender Black-Ras by New Park Brewing- thanks for donating this one to the pod Matthieu! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Expensive Family Vacations, Making Extra Mortgage Payments, & Forfeiting Credit Card Rewards #640 Mar 06, 2023

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - My family vacations are getting too expensive and I’m not sure I can attend- what should I do?

    2 - As an 11 year old, how should I save or spend $2,000 that I have in my bank account?

    3 - What is the most optimal way to make extra payments and pay off my mortgage early?

    4 - Am I paying off my credit card too soon in order to receive the points and rewards?

    5 - How much money do I need to have invested in order to retire?

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Double Coud IPA by New Park Brewing- thanks for donating this one to the pod Matthieu! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Junking Fees, Costly Casas, & Procrastination Penalties #639 Mar 03, 2023

    Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Google Lens to snag a deal, junking fees, reduced monthly insurance costs for FHA backed mortgages, costly casas due to low inventory, HGTVification of the housing market, renting on standby, the death of customer service, our favorite wireless provider takes home gold, the rise of 4-day workweeks, breaking the fever of workism, investing procrastination penalties, & screaming tooth fairy payouts.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Is Early Retirement A Smart Goal? #638 Mar 01, 2023

    Cinderella is such an absurd story! Seriously, when you stop and think- it’s pretty messed up: a prince dances with a girl he’s never met before for one night, and then he sends his goons around town to find her so they can get married. There’s a reason you go on dates for at least a few weeks before proposing. You’ve gotta kick the tires and perform some due diligence! Similarly, you might be completely obsessed with the idea of early retirement upon first hearing about it. And articles out there on the web sure do make it sound enticing. And it might be the right move for some folks, but not before thinking it through on a bunch of fronts. So we’re going to offer our thoughts on how to decide if retiring sooner than your peers is a good goal. We’re going to tackle a number of questions both financial in nature (like sequence of returns risk and ‘one more year syndrome’) but also some personal questions as well (like hobbies and how you’ll spend your days), that’ll help you decide if early retirement is a goal worth pursuing.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Ferrous by New Park Brewing- thanks for donating this one to the pod Matthieu! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Using Debt to Build Wealth with Tom Anderson #637 Feb 27, 2023

    Virtually all conventional wisdom points folks in the direction of paying off their debt. “Debt is dumb” is a line you’ll hear after listening to most personal finance podcasts for about 30 seconds. It's the mantra and driving force behind many money experts out there. But our guest today wants money savvy folks to take another look, and to reconsider debt. Tom Anderson is the author of the NYT best seller “The Value of Debt” and he has actually written multiple books on the different ways that we can utilize debt to build wealth. While most financial planning experts are only looking at debt as something to be eliminated, Tom advocates for the strategic use of debt. Listen as we discuss optimal debt ratios, the importance of liquidity, the psychological reality of debt, and plenty more on today’s episode!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Helles Lager by New Park Brewing- thanks, Matthieu!! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Erupting Equity, Apprenticeships that Pay, & Scammy Savings #636 Feb 24, 2023

    Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: a helpful Apple Card feature, apprenticeships that pay, prepping for student loans, Rivian bikes, e-bike rebates, expensive babysitters, end of life plans for your electronics, scammy high interest savings, erupting equity, & disappearing flexible spending dollars.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Butchering Your Grocery Bill #635 Feb 22, 2023

    Do you know something that we’re all currently doing? Breathing. It’s something we rarely actively think about, but it turns out that there are ways to improve our technique- by breathing through our nose instead of our mouths, or by taking deeper slower breaths. Well we’re talking about another basic subject today: buying groceries. This elementary practice seems simple on the surface, but just like breathing there are tactics that you can implement in order to save more money at the supermarket. The cost of food has always been a big deal as it’s typically our third largest expense. But it’s a bigger deal than ever with grocery prices up nearly 12% in December compared to a year ago. Inflation is making it more expensive to eat! Listen for how much you should be spending every month, our take on meal delivery services, and many other money saving tips that you can implement in order to butcher your grocery bill today!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Darken by Upland Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Personal Loans for a Crypto Biz, Travel Nursing FTW, & Small Business Benefits #634 Feb 20, 2023

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - I took out personal loans to start a BTC mining business: should I use Roth contributions to pay them off?

    2 - Should I pursue travel nursing in order to double my salary?

    3 - As a teacher, can I afford to invest more aggressively since I have a pension?

    4 - Investing via Acorns: smart move or should I consider other providers?

    5 - What are some benefits or tax write-offs as we’ve started a new business?

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Lindemans Framboise! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Cheating Charities, Sketchy Retailer Tactics, & Starving to Save #633 Feb 17, 2023

    Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: newsletter referral program rewards and shoutouts, tax-free state relief payments, free money for home improvements, how to appeal your property tax assessment, the worst way to invest, using or losing your points, cheating charities, starving to save, sketchy retailer tactics, & the myth of the informed consumer.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Did the Pandemic Change Personal Finance? #632 Feb 15, 2023

    Cults are fascinating. The amount of gaslighting and denial of reality that takes place in order to perpetuate the movement is simply mind boggling. And one of the most interesting parts is to see interviews with the folks who finally got out. For years they couldn’t see clearly as they were essentially brainwashed, but now they look back on everything they experienced in a completely different light. When you’re in the midst of something so enveloping and all-consuming it can be difficult to know your right from your left, to know the difference between truth and lies. And similarly it can be difficult to discern the magnitude and scope of the impact of something like a global pandemic on our lives until some time has passed. But now that we had a few years between us and lockdowns, we wanted to discuss the specific ways in which Covid 19 has jolted personal finance and how we should respond to those changes.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Mango Funk Yoself by Meddlesome Brewing- thanks Ben & Rachael for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Solutions for Money Anxiety with Financial Therapist Lindsay, Bryan-Podvin #631 Feb 13, 2023

    There’s more to successfully handling your money than just figuring out the financial nuts and bolts. Money has emotional and psychological components to it as well, which is at the core of what our guest today focuses on. We’re happy to be joined by Lindsay Bryan-Podvin, who happens to be the first financial therapist in the state of Michigan. She is a social worker-turned-financial therapist. She’s also the author of the book, The Financial Anxiety Solution, which is a workbook to help folks stop stressing about money by applying therapy techniques to their relationship with money. We’re excited to talk about how having more knowledge may not be the solution to your financial woes, how procrastination and perfectionism are tied at the hip, the value of understanding your financial archetype, how to have productive money conversations with a partner, & much more today!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Mexican Lager by High Cotton Brewing- thanks Ben & Rachael for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money.

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Netflix Crackdown, Big Game Gambling, & Reduced Tax Refunds #630 Feb 10, 2023

    Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: newsletter referral program rewards and shoutouts, Netflix crackdown, movie theater priority seating, investing through a bear market, 401k raiders, ESG funds falling short, avoiding the officejet shakedown, big game gambling, Valentine’s Day outlay, financial infidelity, & reduced tax refunds.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Using Credit Cards as Nature Intended #629 Feb 08, 2023

    "He was a wise man who invented beer." - Plato

    If you’ve been listening for any length of time you know that we like craft beer. But booze can be a polarizing subject. We’ve had emails from folks who say they like our show, but just can’t continue to listen because of our stance on alcohol. At least in some circles, beer can be polarizing and the same thing is true when it comes to the use of credit cards. There isn’t much logical, nuanced, or balanced conversation when it comes to credit cards- they’re either the greatest thing since sliced bread or they’ll ruin you overnight. But the reality is a bit more nuanced. Yes, there are certainly a number of downsides to using credit cards like paying interest and how they might encourage overspending which we’ll discuss today. We’ll also cover if we think using credit cards is ethical. But simultaneously you can’t deny the many benefits that come with responsible credit card use: the ability to help establish a solid credit score, the additional consumer protections they offer, the bountiful rewards, and much more. Plus we’ll explain a basic three card optimization strategy that will work for most folks- have a listen!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed The Judge by Memphis Made Brewing- thanks Ben & Rachael for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Getting a Reluctant Spouse on Board, WTD with an Old 529 Plan, & Landlording from Abroad #628 Feb 06, 2023

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - How do I get my reluctant spouse on board with a plan to budget?

    2 - What should I do with an old 529 Plan that I was planning on transferring to my kids?

    3 - Am I being frugal or cheap by blending my beers myself at a local brewery in order to save?

    4 - Should I max out my Roth IRA or my 403b if both are available options?

    5 - Is it a good idea to be a landlord while living abroad?

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Thyyk Hydra by Mortalis Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Madonna v. Munger, Rich Renters, & Empty Promises of Passive Income #627 Feb 03, 2023

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: where to find your missing money, Super Bowl investing indicators, frugal NFL’ers, celebrity crypto accountability, Madonna v. Munger, rich renters, spring housing market rebound, living paycheck to paycheck with 6 figures, avoiding pointless bank fees, poor credit = expensive insurance, & the empty promises of passive income.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    The Science of Smarter Spending #626 Feb 01, 2023

    We love nerdy board games! And one of the things that makes them fun, besides getting to play them with friends and family, is the competition for scarce resources. For instance with the Settlers of Catan, it takes a few rounds of play to get the resources you need to build the settlements, cities, and development cards that help you rack up victory points in Catan. It’s a classic that still holds up, and like most games it's all about tradeoffs. Should you focus on building a road or upgrading to a city? You can’t do it all and you can’t get everything you want all at once. And it turns out that our financial lives are kind of like a game of Catan as we’re always making tradeoffs as well- in particular when it comes to our expenses. We’re torn between the decision of spending big money on an item that we know is going to last, versus an inferior item that will get the job done- at least for a little while, before inevitably breaking. Today we talk about the pros and cons of planned obsolescence, the culture of disposability, the buy it for life movement, as well as changing the way we think to ensure that we’re allocating our dollars to maximize satisfaction!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Song of Winter by Hill Farmstead- a big thanks to Michael and Emily for sending this one our way! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Frugal Traveling with the NYT Elaine Glusac #625 Jan 30, 2023

    Everyone loves to travel! Who doesn’t enjoy exploring a new country, tasting new and interesting foods, diving into the history and culture of a new city? Or if you’re less adventurous, at the very least kicking back and living like a local might sound appealing to you. But the problem is that it’s too expensive to travel!... Or so you think. This is why we’re excited to have Elaine Glusac, who is also known as The Frugal Traveler over at the NYT, joining us on the podcast today. We’re going to discuss the tricks to book the most affordable flights, if it’s frugal or cheap to go with the discount airlines, Elaine’s favorite under the radar destinations, her advice for traveling with kids, and plenty more today!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Society & Solitude #6 by Hill Farmstead- a big thanks to Michael and Emily for sending this one our way! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Prime Prescriptions, Gold Digging Dinner Dates, & Stellar Customer Service #624 Jan 27, 2023

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: saving $200 a month on car insurance, negotiating down major appliances, Prime prescriptions, financial planner predicaments, gold digging dinner dates, stellar customer service, living in a scamsters paradise, 72 minute daily commutes, & remote jobs on the decline.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Maximizing Your Income in 2023 #623 Jan 25, 2023

    Focusing only on cutting your expenses in order to invest more money, is just like only focusing on cutting out sweets in order to lose weight. It’s a great start, but there’s more to it than that! Because not only do you need to adjust how many calories you’re consuming everyday, but you’ll also need to address how many calories you’re burning- yes indeed, we’re talking about exercise! It takes a two pronged approach to see the most impactful change on your weight and overall health. And similarly it takes addressing both your expenses and your income in order to see the biggest changes when it comes to your personal finances. So during this episode we focus on why 2023 is the perfect time to boost your income, how to determine if you’re underpaid, the single factor that will lead to higher pay, assessing more than just your annual salary, and many more ways to maximize your income this year!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Painting Dreams Citra by Fidens Brewing- a big thanks to Michael and Emily for sending this one our way! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Combining Our Lives/Money, REITs vs Real Estate, & Cutting Childcare Costs #622 Jan 23, 2023

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - How should my fiancé and I go about combining our bank accounts, credit cards, and investments?

    2 - Should I stop contributing to my Roth IRA until I’m able to fully replenish my six month emergency fund?

    3 - Are REITs inferior to investing in actual real estate?

    4 - When should I consider opening a specific business checking account?

    5 - Daycare and other kid expenses are quite large- what are some ways to cut those bills?

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Jasper with Peacharine by Fidens Brewing- a big thanks to Michael and Emily for sending this one our way! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Tax Loopholes, Savers' Paradise, & Shopper Revolts #621 Jan 20, 2023

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: the cheapest hot dog combo, tax season is upon us and where to file for free, tax loopholes or deductions, the total cost of being a ‘pet parent’, budgeting to maintain your home, smaller down payments on the rise, traffic is costing you real money, the solution to city congestion, shopper revolts, savers’ paradise, & boosting your income with higher wages.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    A Foolproof Plan to Ditch Debt #620 Jan 18, 2023

    Sitting on your butt is killing you! According to the Heart Foundation, folks who sit the most are 90% more susceptible to dying from cardiovascular events like heart attacks and strokes. And while taking a load off and having a seat isn’t going to immediately harm you, the accumulation of years and decades of a more sedentary lifestyle could lead to an earlier death! And we feel similarly when it comes to consumer debt. Paying a little interest this month isn’t going to completely wreck your financial future, but it’s a real problem if it becomes a permanent fixture in your life. Not to mention the fact that credit card interest rates are rising and millions of Americans made their holiday purchases with money they don’t have. Listen as we discuss the straightforward steps to create a foolproof plan, where we land on the debt snowball vs debt avalanche approach, as well as some additional helpful tips that will allow you to ditch debt for good.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Perpetual Composition by Southern Grist Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Budgeting Like a Beast with Jesse Mecham #619 Jan 16, 2023

    We’re going all-in today on budgeting with our special guest- Jesse Mecham! There are a number of folks listening who might recognize his name, but I’m guessing even more folks are familiar with the company he started in 2003 while he was still in college- You Need A Budget, or YNAB as it’s commonly known. Millions of individuals have used YNAB to get on a budget which has allowed them to achieve their life-changing financial goals- whether that’s simply paying off debt or the complicated endeavor of getting on the same page as their partner. Jesse has likely thought more about budgeting over the past 20 years than anyone else out there, so we’re excited to talk with him about all the things that he’s learned over the years. Listen as we discuss why you need a budget in the first place, Jesse’s 4 rules of budgeting, how often you should spend on your budget every month, as well as his approach to credit cards and debt.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed an Igneous IPA by Hutton & Smith! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - More Potential Loan Forgiveness, Egg Fights, & Workplace Drama #618 Jan 13, 2023

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: more potential student loan forgiveness on the horizon, egg fights in the aisles, cutting food waste, the high risk of single stock investing, doubling down on a down market, Disney in real life, & non-competes might be on the road to defeat.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    The Massive Retirement Account Changes That Impact You! #617 Jan 11, 2023

    Would you eat boiled buffalo testicles like they did on the old show Fear Factor? Or walk between two high-rises on a cable? Or allow tarantulas to be dumped on your face while strapped to a table? I’m guessing you’re not interested in doing this for funsies, but you might be singing a different tune iif a million bucks is on the line. And that’s because incentives change everything. When the rules of the game have changed, we need to adjust our behavior accordingly. And at the end of last year the SECURE Act 2.0 was signed into law which effectively changed the rules on a lot of the different retirement accounts that we have access to. There are many provisions in this Act that changed the incentives for how, when, and where we invest for the future. Roth, 529, and self employed retirement accounts were all impacted and so today we discuss many of the changes, and talk about what you should do during today’s episode.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed an Imperial Strawberry White Ale by Cascade Moon! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Cash with an Online Bank, Revenue Credits on a Target Date Fund, & Paying Taxes on Hobby Income #616 Jan 09, 2023

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - I want to switch to an online bank but how do you go about depositing and withdrawing cash?

    2 - Should I own my first investment property as an individual or as a business operating as an LLC?

    3 - How important is the revenue credit that I receive from my target date fund in my 401k?

    4 - Are I bonds still a good place to park money for my one-year-old?

    5 - Do I have to pay taxes on income generated by a hobby?

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a St. Bernardus Wit! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Holiday Return Hassles, Tax Relief, & Stranded by Southwest #615 Jan 06, 2023

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: setting financial goals, new 1099K forms delayed for a year, return windows for holiday gifts, WTD with unused gift cards, backbreaking car payments, minimal EV maintenance costs, popular sources for investing advice, stranded by Southwest, the temporary relief of mortgage rate buydowns, & home seller concessions on the rise.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Essential Habits For Financial Success #614 Jan 04, 2023

    Close your eyes and think back to high school. No matter if those were the best years of your life or if you were more of a wallflower, you were likely told that you needed to get good grades- but why? Was it because you knew that you needed a particular GPA in order to get into a specific school? Maybe, but a lot of high schoolers just know that it’s generally a good idea to get high marks because it’s going to give you more options down the road (not to mention personal development, growth, yada yada). And in the same way that not all students know exactly what college they’re going to attend, not everyone has figured out what their big financial goals are going to be this year. But it’s about moving in the right direction with your finances, getting that momentum started even if the end goal is subject to change. And developing the right financial habits will help you start moving in the right direction, even if you don’t know what your ultimate destination will be. That’s what we’re talking about today- the essential habits for financial success!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Liquid Hop Magma by Mutation Brewing- a big thanks to Jack and our friends there at the brewery! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Making Money Changes That Stick with Katy Milkman #613 Jan 02, 2023

    We’re talking all about how we can make positive money changes in 2023! And we can think of no better guest to have on the show than Katy Milkman, author of How to Change: The Science of Getting from Where You Are to Where You Want to Be. Katy is a professor at The Wharton School of the University of Pennsylvania where she explores ways that insights from economics and psychology can be harnessed to change consequential behaviors for good, such as exercise and vaccination, but also behaviors like saving more money which is a topic we’re very interested in. She’s advised organizations ranging from the White House to 24 Hr Fitness, her op-eds appear in publications like the New York Times and the Economist, & we’re excited to be discussing making money changes that stick today!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Hefeweiz Guy by Mutation Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Joel & Matt's Year End Review! #612 Dec 30, 2022

    During this special year-end Friday Flight, we’re discussing the major stories from the entire year and their impact on your personal finances! There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off 2023 informed and help you to get ahead with your money. In this episode we explain: the inescapable creep of higher prices, the impact of inflation on groceries, gas, and housing. The Fed’s response to those rising prices by raising interest rates and what that means for debtors and savers. The cratering of the stock market and the depths of the ‘crypto winter’. A red hot job market and how much more workers were able to make if they switched employers. Student loan borrowers and the whiplash they experienced as those loan payments are still on hold. The rise of ‘buy now pay later’ and how a seemingly silver lining has turned out to be a false promise. Plus a few lessons that hopefully we can all takeaway, regardless of where we are on our financial journey- it’s not all bad news!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Happy New Year- best friends out!

    See omnystudio.com/listener for privacy information.

    Pursuing Happiness In All the Wrong Ways #611 Dec 28, 2022

    We hope that you’re having a wonderful holiday season. And if you celebrate Christmas, or any holiday that involves the exchange of gifts- isn’t it so much fun giving presents and seeing the faces of your loved ones light up? And while that might be the case on Christmas morning, it’s a different story later in the day for many adults and kiddos alike. There’s frequently a post present letdown that many of us experience. Either there was something we wanted that we didn’t get, or the gifts that we did receive aren’t quite as awesome as expected. They don’t make us happy and we easily fall into the trap of pursuing happiness in all the wrong ways. Of course on the surface this is something that you already know, but while many of us would say that we agree with this sentiment, we actually end up living our lives in contradictory ways. In this episode we detail some of the different ways that we’re chasing after happiness, but then we discuss two different types of happiness and how we can make sure that we’re pursuing the kind that will last.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Mile High Salute by Mutation Brewing- a big thanks to Jack and our friends there at the brewery! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM – Prenups & Properties, Skipping a Money Gear for the Match, & Investing in Main Street #610 Dec 26, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - We’ve already purchased investment properties together- should we get a prenup before getting married?

    2 - Should I skip Money Gear #1 in order to go ahead and get my 401k company match?

    3 - Where can my teenager find the best interest rates on a savings account?

    4 - Is Mainvest a good option if I want to invest in local small businesses?

    5 - Are Treasuries a good option for short-term investing- for money I’ll need to pay for medical school?


    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a She’s My Berry Pie by Mutation Brewing- a big thanks to Jack and our friends there at the brewery! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Store Brand Surges, 401k Changes, & Inconvenient Conveniences #609 Dec 23, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: big bank blues, store brand surges, SECURE 2.0 leading to 401k changes, 529 plan grandparent loopholes and rollovers, inconvenient conveniences, o holy crap, inundated inboxes, & letdowns for landlords.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out, and Merry Christmas!

    See omnystudio.com/listener for privacy information.

    A Very Merry Minimalist Christmas (Bestie Ep) w/ Meg Nordmann #608 Dec 21, 2022

    Hear about Matt’s new favorite holiday cocktail, and then for our Bestie Episode, we had the pleasure of speaking with Meg Nordmann who is the author of “Have Yourself a Minimalist Christmas: Slow Down, Save Money, & Enjoy a More Intentional Holiday”. Being smack in the middle of the holidays, we can often find ourselves wondering where all of our time, and money is running off to- but Meg wants to change that with her approach to minimalism. Her book presents strategies to help us to resist the clever marketing and cultural expectations that this season often brings. We talk about Meg’s own history with consumption, the relatively new history of Santa, how she approaches gift giving with her children, convincing extended family to give fewer gifts, and how she creates a minimalist calendar around the holidays.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed an Empire of Eternal Nothingness by Burial! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    A Guide for Life’s Biggest Decisions with Abby Davisson #607 Dec 19, 2022

    How do you really know if you’re making the right decision? It’s difficult to know- especially when relationships and careers are on the line. And at a time when we might be experiencing one of the biggest shifts in work-life balance, it’s more important than ever to ensure that we’re making informed and thoughtful decisions. Enter Abby Davisson and the new book that she’s co-authored, Money & Love: An Intelligent Roadmap for Life's Biggest Decisions. And in the book Abby lays out a framework to help empower folks to make the best strategic decisions without having to sacrifice their professional or personal lives. It’s the combination of the rational with the emotional as so many of the biggest decisions we’re faced with require both. Listen as Abby explains the 5 Cs method and we’ll dive into some of the practical, real-life examples that many of us are facing.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Narwhal 2022 by Sierra Nevada! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Cars That Last, SBFraudster, & Tricky Tax Forms #606 Dec 16, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: SBFraudster, mortgage rates mellowing out, shopping around for your mortgage, cars that last, shop till you TikTok, brutal losses for retail traders, actively managed funds (under)performance, preparing for retirement at 25, & tricky tax forms.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Financial Festivus 2022: Celebrating Listener Money Wins #605 Dec 14, 2022

    Let’s party! In what felt like a bummer of a financial year, it’s important to spend some time remembering the positives. We’ve experienced a market that hasn't been this bad for nearly 15 years, crypto is fully on the ropes, inflation is still problematic, and student loan forgiveness is in limbo like we talked about last week. But a massive number of How To Money listeners have, despite the economic headwinds of 2022, been able to make significant advances with their own personal finances. We love creating this episode, hearing what y’all have been able to accomplish, and sharing it with your fellow listeners. It’s inspiring and motivating. Y’all were able to do everything from decluttering and cutting back on regular expenses to massive goals like saving up for a down payment and even completely paying of mortgages! Hopefully we can all learn something from each other today and we’re also hoping that this episode might be the spark for some epic 2023 money moves.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Christmas Ale by St Bernardus! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Avoiding Busted Budgets, Getting Declined with an 800+, & Financing Medical Expenses #604 Dec 12, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - As I’m entering retirement, should I consider a financial advisor and how do I go about finding one?

    2 - Why was I declined for a new credit card even though my score is over 800?

    3 - What are some tips to keep me from busting my budget every single month?

    4 - Should I consider financing a medical expense with a provider like CareCredit?

    5 - Is an employer match worth it when a variable annuity is the only investment option?


    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a 2 Turtle Doves by The Bruery! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Cable Comeback, Robinhood Retirement, & The $42 Billion Question #603 Dec 09, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: the results of Matt’s Aldi vs Costco experiment, expensive real Christmas trees, plummeting savings rates, the $42 billion question, Robinhood recommending retirement, Roth coming out on top, ludicrous litigation, the cable comeback, illegitimate identity theft claims, a credit score that’s good enough, & keeping your energy bill low this winter.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    AMA: Better Know the Podcast Hosts! #602 Dec 07, 2022

    Check out our first ever AMA: an ‘ask me anything’ where we focused on personal questions as opposed to personal finance related content! Typically we’re either interviewing someone in the personal finance space, answering listeners’ money questions, doing a deep dive on a particular topic, or covering the latest personal finance news- but we thought it’d be fun for y’all to get to know us more on a personal level. These are the kinds of topics you might hear us talking about if we were grabbing a bear at a local brewery! So have a listen as we answer questions having to do with how we met, how our faith impacts our finances, other careers we’ve considered, long-term fitness goals, the biggest decisions we’ve ever made, favorite bands or genres, finding work-life balance, where we want to travel, and more!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Double Top by Akademia Brewing! And please help us to spread the word by letting friends and family know about How To Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Everything You Need to Know About Student Loan Forgiveness with Meagan McGuire #601 Dec 05, 2022

    We’re joined by student loan repayment expert, Meagan McGuire! I don’t think there is anyone else we know who understands the intricacies of student loans more than Meagan. She’s been in the finance industry for more than 13 years and she has the bragging rights of being the first Certified Student Loan Professional in the state of Georgia back when we met several years ago. And the timing couldn’t be better to have an in depth conversation with Meagan as there have been so many changes, new laws, and guidelines in the student loan space- where are things with forgiveness, or what is the current status of the payment pause? We’re lucky to have Meagan answer those questions, plus many more today!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a N’Ice Chouffe by Brasserie d'Achouffe! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Dumpster Diving, Housing Hellscape, & Tech Company Transgressions #600 Dec 02, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we cover some relevant and helpful stories like: $600 for 600 episodes, free Christmas decor, dumpster diving for Dior, sponsored results in your shopping cart, the rise of BNPL, new employee bonuses, degrees might be for dummies, tech company transgressions, your Benz is over a barrel, housing hellscapes, & smart HELOC use.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Forging Financial Flexibility in an Uneasy Economy #599 Nov 30, 2022

    Flexibility is a characteristic that will serve you well! This reminded Joel of his summer beach trip with his family to Tybee Island. Shortly after they left, there was a massive swarm of jellyfish that meant beachgoers couldn’t even get in the water. Lifeguards treated around 300 visitors for jellyfish stings in a single weekend. And while that would’ve been a bummer if you were wanting to spend some time in the ocean, it didn’t mean that you couldn’t have any fun in the sun. It just would’ve meant more time playing bocce or spikeball! And we believe the same is true when it comes to our money. Just like you might need to adapt your vacation plans if jellyfish have taken over the water, seeing the current trends can help us optimize our decisions and avoid unnecessary financial pain. And while it’s always good to strive for financial flexibility, we think this is even more important today given the incredible amount of change that we’ve seen impact markets over the past two years. So listen as we lay out some scenarios that highlight the benefits of flexibility, as well as practical steps that’ll allow you to achieve a higher degree of financial flexibility.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Six by Upright Brewing! And please help us to spread the word by letting friends and family know about How To Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Best Personal Business Bank Combo, Pay Off Student Loans or Invest, & Big Wireless Getting More Affordable #598 Nov 28, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - Should I completely pay off my student loans or instead use my year-end bonus to invest in the stock market?

    2 - Is it possible to get my personal, business, and kids accounts all with the same bank?

    3 - What are the real differences between Verizon and Visible and should I switch to save?

    4 - How can I protect my money when I pass the $250,000 FDIC limit?

    5 - With the US dollar strong, it means my AU dollars I’m earning in Australia are taking a serious hit here in the US- how do I hedge my currency risk?

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Wednesday Cat by YO-HO Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - The Housing Halt, Low-Cost Healthcare, & Delinquent Debtors #597 Nov 25, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we cover some relevant and helpful stories like: student loan pause extension, scammers targeting student loan holders, new guidelines for student loans in bankruptcy, EV reliability in the dumps, avoiding the new car depreciation hit, easily estimating the cost of healthcare, credit card balances on the rise, cards with the worst benefits, fewer folks unbanked, reaching your financial goals with CDs, & tighter lending standards making it difficult to move.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    How Much Should I Give To Charity? #596 Nov 23, 2022

    Farming has to be one of the most difficult careers if our (lack of) success at gardening is any indicator. By no means are we farmers, but from what we do know about growing food, it’s important to periodically let your fields lie fallow. This allows the soil a chance to rest and restore some nutrient balance. It’s counterintuitive, it certainly feels like taking time off from growing crops is going to hurt your bottom line but it’s incredibly necessary for the long-term health of the soil, as well as the success of the farmer. And we think the same is true when it comes to giving our money away. It sure doesn’t sound like a vital ingredient in a wealth-building formula, but we think that it actually is. And when we constantly talk about the different ways that we can work to have more money- whether that’s through spending less or earning more, we think it’s important to hit pause to encourage folks to do the opposite. We truly do believe that by giving away our money- even by starting out with small amounts, that we’re going to end up better off in the end. Listen as we discuss why we believe this to be true, who should be donating their money, how much we should be giving away, and some practical tips to help you to part with more of your money!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Peach Cobbler American-Style Sour by Shades Brewing- thanks Andy for donating this one to the pod! And please help us to spread the word by letting friends and family know about How To Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    The Wild History of Index Funds with Robin Wigglesworth #595 Nov 21, 2022

    If you’ve listened to the show for more than a couple episodes then you know that we’re big fans of index funds. Specifically, low-cost widely diversified index funds are what the vast majority of our portfolios consist of. But how did index funds come to be? And sure, we’re all for them but what does everyone else say? That’s why we’re pumped to take a deep dive into index funds today with Robin Wigglesworth who is editor of Alphaville over at the Financial Times. Robin is a financial journalist and he’s also the author of the book “Trillions: How a Band of Wall Street Renegades Invented the Index Fund and Changed Finance Forever.” Passive investing is something we take for granted- for us, index funds have always been an option but that wasn’t always the case. It was a heretical idea in the past, so we’re excited to get into the history of one of the most important modern-day investing innovations: who was responsible for their creation, why hedge funds still exist if index funds are the path to wealth, potential downsides to passive investing, & much more!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Kveik 1 Golden Sour Ale by Shades Brewing- thanks Andy for donating this one to the pod! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - DeFi Debacle, Forgiveness Freeze, & Degree Displeasure #594 Nov 18, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we cover some relevant and helpful stories like: higher fees for robo advisors, forgiveness freeze, DeFi debacle, cash stuffing to get ahead, sunsetting credit card benefits, college degree displeasure, streamlining college with direct admissions, states with the best 529 plans, and fine art vs the S&P.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Popular Money Advice That Just Ain’t Right #593 Nov 16, 2022

    Searing your steak as a way to ‘lock in the juices’ is something we’ve heard folks recommend for years! Get that grill hot as blazes, toss on your steak, and reap the juicy medium-rare rewards. But even though there might be a kernel of truth here, culinary scientists tell us that it’s not actually the best method. It turns out that the reverse sear is the better way to do it! Similarly, there are phrases and ideas in the personal finance space that get preached as though they’re the gospel truth. And there are a number of reasons why certain bits of advice stick with us- maybe it intuitively makes sense or perhaps it’s packaged well and is just flat-out catchy. We’re all looking for guidance and shortcuts but that doesn’t necessarily mean that these sayings are sage advice. So today we call out some of the biggest culprits on the show and share how you should be thinking about your money.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed an Uplifted Scottish Ale by Talisman Brewing- thanks Andy for donating this one to the pod! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Bank Bonus Bummers, Investing During A Bear, & A Kitchen Appliance Frugal or Cheap #592 Nov 14, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - We don’t use our dishwasher- so should we save money by not buying one during our kitchen remodel?

    2 - Are there any downsides to snagging any of the bank bonus offers?

    3 - How can I get our car insurance premiums down with a kid off at college?

    4 - What is the best way to invest during a bear market?

    5 - My kid is an authorized user on my credit card- should I kick them off once they turn 18?

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed an Udder Chaos Chocolate Milk Stout by Talisman Brewing- thanks Andy for donating this one to the pod! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Getting Paid To Pay Rent, Prime Perks, & A Low Score Costs You More #591 Nov 11, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we cover some relevant and helpful stories like: CNET calls Matt a liar, Costco hacks to save more, rents on the decline, getting paid to pay rent, all-in pricing with Airbnb, Prime perks or problems, the most expensive way to listen to music, a high enough credit score so you don’t pay more, secondary work benefits, & expensive high quality H20.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Going Full CrossFit on Your Finances #590 Nov 09, 2022

    Back to the Future is easily one of the most quintessential 80s movies- come at us if you disagree! And there’s a scene early in the movie when Doc Brown basically explains how it is that he came up with the flux capacitor, which makes time travel possible. But the way that it came about was Doc was standing on his toilet, hanging a clock when he slipped and hit his head on the sink. It was at that precise moment that he came up with the flux capacitor- doing something completely unrelated to his quasi-scientific pursuits, which would forever alter his and Marty McFly’s life. It’s a moment from a classic movie that embodies the concept that you never know when inspiration is going to show up. Well in the same way that a stroke of genius came to Doc when he least expected it, we’ve found that there are so many different money lessons that we’ve both learned from working out and getting more fit! Luckily it didn’t take us hitting our head on the sink but here is a ton of crossover between physical fitness and personal finance. And we think regardless of how active you are (no gym membership required), there are some fantastic lessons to be learned from exercise that will lead to you becoming more financially fit.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed an Oktoberfest by Talisman Brewing Company- thanks for donating this one to the show Andy! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Killer $5,000 Cars & The Future of EVs with Consumer Reports’ Mike Quincy #589 Nov 07, 2022

    Aside from buying a home, buying a car is one of the most expensive one-time purchases that we make. This is a part of the reason why we spend a decent amount of time talking about cars! Over 16% of American household budgets are spent on transportation, so get this one decision right and it’ll be a massive boost to your personal finances. And that’s why we’re excited to have Mike Quincy joining us today. Mike is a car specialist and has been with Consumer Reports for nearly 30 years! He participates in the hands-on car testing, appears regularly on Consumer Reports Talking Cars podcast, and knows virtually all someone could know about new and used cars. We discuss why Consumer Reports buys all their own cars, where the prices of used cars is going, finding the balance between a car that you love vs a practical vehicle that gets you around, some of the best used cars if you’re on a tight budget, and then the challenging future of electric vehicles.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Witches Brew Ale by Talisman Brewing Company- thanks for donating this one to the show Andy! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Checkout Hacks, Calming Compounding, & Balenciaga Babies #588 Nov 04, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we cover some relevant and helpful stories like: I bonds are still paying big, cutting back on gift giving, Balenciaga babies, kicking Coinstar to the curb, the worst time to tap your 401k, calming compounding, 529 accounts for all the wrong reasons, groceries from 2019, & interest rates hitting car payments.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Fast-Tracking Your Kids To Financial Success #587 Nov 02, 2022

    Most Americans didn’t have an inkling about Formula 1 racing for most of its existence, until the Netflix show Drive to Survive came along. It’s amazing what a docuseries can do for a sport that was typically relegated to Europe! But an interesting thing about F1 is that the driver with the fastest lap time in trials the day before gets the pole position which is the best starting position at the beginning of the actual race. It turns out that the driver who gets that crucial advantage right out of the gate wins more than 42% of the time. Where you start matters! And similarly we think there is a massive advantage gained in life when kids have the basics of financial literacy as tools and lessons that they can draw on from a young age. Not only will their wealth compound over the years but so will their knowledge and the positive behaviors that they build upon. Listen as we discuss a number of lessons you can implement now, the behavior you’ll model, and the accounts you can open in order to fast-track your kids to financial success.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Prostmeister by Oddstory Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Investing in Real Estate with Only $5, Tapping a 401k to Pay Off Debt, & A Currency Exchange Frugal or Cheap #586 Oct 31, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - Are real estate investing apps like Landa legit?

    2 - When it comes to budgeting, is it OK to sneak my gardening supplies into our housing maintenance savings category?

    3 - Should I cash out an old 401k to pay off some medical debt?

    4 - I’m thinking about selling my duplex- should I utilize a 1031 exchange and strike while the iron is hot?

    5 - A frugal or cheap abroad: what’s the best way to do a currency exchange?

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Traeblod by Mikkeller Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Forgiveness In Limbo, AARP for Babies, & Day Trading Dropouts #585 Oct 28, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we cover some relevant and helpful stories like: last day to jump on those I bonds, student loan forgiveness in limbo, expensive turkeys, senior discounts for everyone, not-so-discount airlines, luxury bus travel, moving to avoid taxes, young wealthy investors beating the market, day trading dropouts, WFH leading to healthier habits, making time for things that matter, & the fading silver lining of buy now pay later.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Dying Destitute: Should You Spend All Your Money Before You Die? #584 Oct 26, 2022

    The fact that money is so measurable is both a blessing and a curse. It's a blessing because your budget, your salary, how much you have set aside in investment accounts- basically all dollar amounts in your life are very quantifiable. And because of that it’s not difficult to make some tweaks in order to see some movement with your net worth. Awesome! But at the same time it’s a curse- because these are measurements that are so readily available, we can often overly rely on these numbers to let us know how we’re doing in life. If you’re overly focused on the numbers and if your life satisfaction is purely determined by how much you’ve got in the bank, then we’d argue that you’re incorrectly using your wealth as the main measurement of life satisfaction. So hear us out: the argument we’re putting forth today is that maybe we should all consider dying destitute! We discuss some great reasons to consider spending all your money, how to spend your money in a way that brings you the most joy and happiness, whether you should give money away before or after you die, and some thoughts on leaving money to your kids.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Raspberry Blush by Mikkeller Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Is Crypto Going Extinct? with Stacy-Marie Ishmael #583 Oct 24, 2022

    There’s a decent chance that during the pandemic and the ensuing months, that you were stuck at home with some extra cash on hand, but with no way to spend that money. So you got into crypto- and unfortunately, there’s a very good chance that your holdings are worth much less and you might be a little concerned. And you’re not alone because a recent Bankrate survey showed that only about 30% of millennials are comfortable investing in crypto which is down from 50% a year ago. There’s just not as much confidence and excitement as there used to be and so we’re excited to be joined by Stacy-Marie Ishmael. For years Stacy used to work at the Financial Times where she started the blog Alphaville, she’s worked as a senior editor at Apple, and now she’s a writer & podcaster at Bloomberg where she dedicates nearly all of her time to cryptocurrencies. Listen as we discuss why crypto exploded the way that it did in recent years and why everyone thought it was going to the moon, why crypto hasn’t acted as an investing hedge, why countries are struggling to implement it as their national currency, and what the future holds in the realm of crypto!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Tie 11 by Monday Night Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Retreating Rewards, New Tax Brackets, & Workplace TRAPs #582 Oct 21, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we cover some relevant and helpful stories like: our new credit card tool, student loan forgiveness deadlines, pricey Halloween candy, spending big bucks on pet costumes, retail rewards in retreat, new tax brackets along with higher contribution limits to retirement plans, extra fees to return online purchases, workplace TRAPs, the best employers for career advancement, iBanking your iCash on your iPhone, & Aldi conversions on the rise.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Jesus Christ Super-Saver: Ancient Wisdom & Your Money #581 Oct 19, 2022

    We’re glad Ikea exists. The ability for a vast majority of the population to get their hands on some incredibly functional, well designed, and affordable furniture is a good thing. But, you’re also unlikely to pass Ikea furniture down to your kids or for that matter, use it for more than a handful of years. Compare that to a campaign dresser from the 1800s! It’s true that they don’t make them like they used to. The same is true when it comes to modern financial advice. There’s a lot of ‘wisdom’ floating around out there that is self-serving at best, and deceptive and predatory at worst. So in today’s episode we pull some ancient wisdom from the Bible, Stoicism, and other wisdom traditions from hundreds to thousands of years before our time. Then we connect that ancient wisdom to our modern times to help you to determine what you should be doing with your money.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed an Apricot Crumble by Vitamin Sea Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Buying New or Used Cars in a Crazy Market, Stocks vs Real estate, & Converting or Rolling Over a 401k #580 Oct 17, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - Should I take the leap into real estate investing or is it smarter to invest within a Roth IRA?

    2 - Is it a better deal to pay for CPI with my car insurance provider or pay for full coverage myself?

    3 - Does it make more sense to roll over an old 401k or should I convert it to a Roth IRA instead?

    4 - Should I buy a new or used car in this crazy car market?

    5 - We own a rental property- what tips do you have as we make that property our primary residence?

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Kersenrood by Wild Heaven, so good! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Horrendous Investing Advice, Haute Dogs, & ADUs FTW #579 Oct 14, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we cover some relevant and helpful stories like: life as a one car family, ADUs FTW, smaller affordable housing, flippity-flops, mortgage rates at 20-year highs, whether I bonds are still a smart buy, haute dogs and splurging on your pets, the worst life advice of all-time, separation of money and politics, & Netflix is going with commercials.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Biking is a Money & Life Hack #578 Oct 12, 2022

    “Spend less than you make.” This is a maxim that is not only true but, if followed, will allow you to accomplish so many other goals that you might have in life. It’s a foundational concept. Similarly, we also think the same can be said for biking. Get this one thing right in your life- pedal your way to wherever you need to go, and so many other aspects of life will automatically fall into place. And we’ve actually been able to put our commitment to biking to the test since we’ve moved out of the city- you might be surprised to hear the results! Listen as we discuss the many different reasons we believe biking is a money and life hack, the positive impacts on our health, communities, and environment. And we also touch on how you can make biking more accessible in your community as well as how you can get started, even if you haven’t ridden a bike since you were eleven!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Lager by Bosque Brewing- a big thanks to Bob in New Mexico for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Buying Existing Businesses to Make Millions with Codie Sanchez #577 Oct 10, 2022

    We’re pumped to talk with entrepreneur extraordinaire Codie Sanchez today. And while Codie is busy buying businesses today, the truth is, it took her a while to get there. Years ago, right out of college, Codie was working 70-hour weeks for a paycheck. And even though she had a great education and an elite job, she felt like her life was out of control. Who cares about prestigious job titles when somebody else controls your day to day?! Now, things are different: Codie is financially independent, she owns 26 small businesses, and she’s the founder and CEO of Contrarian Thinking- where she’s on a mission to free the minds of individuals who are hanging onto traditional careers, as well as the common narrative of what it means to be successful. And oftentimes this can be accomplished via buying existing businesses- which is more feasible than you might think! Listen as we discuss life as a second generation immigrant, why Codie believes we’re in a golden era of acquiring others businesses, ways to go about finding a business to buy, her views on passive income, what it means to utilize your ‘unfair advantage’, when she’d consider selling a business, and much more!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed an Open Space Haze by Bosque Brewing- a big thanks to Bob in New Mexico for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Idiotic Surveys, Side Hustle Superpowers, & Underutilized HSAs #576 Oct 07, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we cover some relevant and helpful stories like: surprise bags of food, underutilized HSAs, the silver lining of expensive healthcare, second hand name brands, credit card debt on the rise, crypto settlements and scams, going into debt for the love of the game, dating on the cheap, job listings with pay transparency, & side hustle superpowers.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Join a thriving community of fellow money in the HTM Facebook group.
    • Find the best credit card for you with our new credit card tool!
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Responding to Rate-Hike Hysteria #575 Oct 05, 2022

    Whether you like it or not, higher interest rates are going to have an impact on your money! We liken it to the first Lord of the Rings book, the Fellowship of the Ring. Frodo was living large in the Shire- it seemed he was going to be the new heir of his uncle’s comfortable Hobbit-hole. He had no worries at all. That is until Gandalf showed up and turned Frodo’s world upside down. Gandalf explained how an evil force was on the move and that they were no longer safe. Well simply put, rising interest rates also have as wide an impact on our economy! Have a listen as we discuss the Overnight Federal Funds Rate and examples of changing rates in recent history. But then we also get into the ramifications of these rate hikes on our ability to earn, spend, save, and invest.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Scotia Scotch Ale by Bosque Brewing- a big thanks to Bob in New Mexico for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Buying a Home FSBO to Save, Getting Ahead on a Small Salary, & the Best Vegan/Eco-Friendly Banks #574 Oct 03, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - Should I put an engagement ring on credit, even if there is going to be a credit card transaction fee?

    2 - Is buying a home FSBO a good idea to save money?

    3 - How can I get ahead and feel financially comfortable on a small salary?

    4 - We’re getting married soon: where should we put our wedding money, what about I bonds, should we combine investment accounts, and is it time for life insurance?

    5 - Are eco-friendly and vegan banks worth it?

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Pistol Pete’s 1888 Blonde Ale by Bosque Brewing- a big thanks to Bob in New Mexico for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Prime Day Reprise, Subversive Subscriptions, & Moving for Money #573 Sep 30, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we cover some relevant and helpful stories like: a Prime Day reprise, what it takes to be a super saver, all the best banks are…, underestimating subversive subscription, marry now pay later, cash buckets on the wedding registry, moving for money, online passport renewals, a crazy affordable EV, & saving big on your car insurance.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    EOY Deadlines: Reduce Your Taxes & Maximize Your Money #572 Sep 28, 2022

    With all that we’re trying to accomplish in our everyday lives- we find that reminders are a necessity. For instance, your car’s low gas indicator light that flares up when you’re nearing an empty tank. More power to ya if you’re driving an EV (see what I did there…), but for the rest of us still driving internal combustion vehicles, the low fuel light is a life saver. When it comes on, you know you only have so many miles left to find a gas station before you’re going to end up stranded on the side of the road. Well this episode is here to function similarly to that low fuel light, as kind of a warning because you’ve only got 3 months left in 2022. You can use them to your advantage and attain some of the financial goals you set out to achieve in January. Or you can attempt to coast into 2023 running on fumes. There are some hard and fast deadlines approaching and once that window of time closes, there’s no going back. Today we’re talking about student loans, workplace benefits, taxes, retirement savings, and more so listen up- the clock is ticking!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Pickle Down Economics by Bosque Brewing- a big thanks to Bob in New Mexico for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Jet-Setting for Little to No Money with The Points Guy Brian Kelly #571 Sep 26, 2022

    Brian Kelly, The Points Guy himself, is joining us today on the podcast! If you’ve ever attempted some research on airline miles or credit card reward points, then there’s a good chance you’ve read an article or two over at ThePointsGuy.com. Bryan has an entire staff of writers who are all travel experts- from offices in Austin, to NY, all the way over to London. Which of course frees Bryan up to be able to spend even more of his time participating in his favorite activity- traveling. Listen as Brian shares why he’s willing to pay annual fees on 25 credit cards, what you should do if you have existing airline points, what he thinks about cashback credit cards, how to maximize the number of points you can earn, his favorite perks and benefits of travel cards, and finally his thoughts on traveling with a new baby!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed an Elephants on Parade by Bosque Brewing- a big thanks to Bob in New Mexico for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Poop Music, Speculation Nation, & Coffee-Drinking Spendthrifts #570 Sep 23, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we cover some relevant and helpful stories like: interest rates on the rise, dumb ol gift cards, repair or replace a broken appliance, the easiest way to save time and money in the kitchen, phantom funds in your Venmo and Cash app, sweepstake savings accounts, coffee-drinking spendthrifts, speculation nation, an index fund to avoid, & last but also least- poop music.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Achieving Balance In a World of Work Domination #569 Sep 21, 2022

    Up until the 1500s, everybody thought that the earth was the center of the universe- the sun, moon, and planets all orbited around us. But over the course of a century as more folks accepted the belief that we are a part of a heliocentric solar system, this updated view significantly changed everyone’s perception of planet Earth. No longer were we at the center of it all! Our planet Earth is still important of course, but everyone began to see that we were a part of a larger system. We were put in our proper place. And similarly we feel that work and career tends to be at the center of the American universe, negatively impacting our lives via workaholism, lack of other interests, and higher levels of stress. Not that work can’t be fulfilling! We’ve always held a high view of work- it provides a sense of meaning and structure, not to mention a necessary source of income. But when our lives revolve around work, when it’s the center, we think it throws everything out of balance. Listen as we discuss the many reasons why work dominates our lives, as well as how you can find more work-life balance!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a S'mores by Wicked Weed! And please help us to spread the word by letting friends and family know about How To Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Recasting to Lower Your Mortgage Payment, A Solar Panel Conundrum, & Forfeiting I Bond Interest #568 Sep 19, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - Is it best to recast a mortgage or should I just pay a lump-sum and be done with the mortgage a bit sooner?

    2 - Frugal or cheap?! Repurchasing a board game online after it dropped in price, and having to drive in order to return the original.

    3 - What interest am I forfeiting if I pull money out of my I bonds early?

    4 - When buying solar, am I just exchanging a loan payment for my monthly electricity bill?

    5 - I’d like to be a long-distance landlord- is that a wise move and what else should I keep in mind?

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a German Chocolate Cake by Wicked Weed! And please help us to spread the word by letting friends and family know about How To Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Taxing Loan Forgiveness, Everyday Money Fights, & Virtuous Investing #567 Sep 16, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we cover some relevant and helpful stories like: HTM sock giveaway, sticky inflation, stressful everyday money fights, college major regrets, taxing student loan forgiveness, IRS refunding an extra billion dollars to filers, WTD about market crash predictions, millennials selling out, 401k lifetime income illustrations, ESG funds looking worse than ever, & going into debt for an iPhone.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Strategic Debt Use To Catapult Your Finances #566 Sep 14, 2022

    Some folks will swear that taking a nap is bad for you. “It’ll throw off your circadian rhythm!” or “You’re being lazy- maybe it’s time to be more productive with your time!”. And of course, like many things in life, you could take it too far. For instance taking a nap while your friends are visiting or climbing in bed for 3 hours in the middle of the day will likely lead to poor outcomes- there will be negative downstream effects. But the reality is that a well-timed nap can bring a lot of benefits for many folks- it can boost your memory, increase your job performance, and ease your stress levels. Well, in the same way that naps are misunderstood, so is debt. Indiscriminate use of naps or debt could easily create a mess. But the strategic use of debt is an incredibly nuanced topic that we’re venturing into. Today we discuss how you can determine if you’re using debt strategically by looking at your finances holistically, how folks use debt as a crutch, why it’s important to understand opportunity cost, evaluating your own personal debt tolerance, and much more!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Milk & Cookies by Wicked Weed! And please help us to spread the word by letting friends and family know about How To Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Building Wealth on a Tiny Income with Sarah the Budget Girl #565 Sep 12, 2022

    In the same way that being able to read is a critical component of learning and furthering your education, budgeting is essential to managing your money well and building wealth. It’s foundational! And that’s why we’re pumped to have Sarah Wilson joining us on the podcast today. Today we discuss why the Budget Girl started publishing her own budget for the entire internet to see, how granular you should be getting with your budget, as well as some of the lowest hanging fruit everyone should consider. And we also hear how Sarah paid off all of her student loans in just 3 years on a meager income, her foray into house hacking, charging her boyfriend rent, the future of her very successful site and YouTube channel, plus a bunch of other topics as well!

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Brownie by Wicked Weed! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - 3% Mortgages, Secondhand Steals, & Leg Room Lunacy #564 Sep 09, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we cover some relevant and helpful stories like: getting a 3% mortgage via a loan assumption, some new competition for home internet providers, leg room lunacy, free lodging because of flight delays, donate now pay later, influencers in the wild, active insurance trackers to save, & secondhand steals from buying used.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    The Key Characteristics of Great Investors #563 Sep 07, 2022

    There’s been a massive proliferation of micro-transportation devices in recent years. Everything from Segways and electric skateboards to Onewheels and e-scooters. But as cool as some of those futuristic devices are, none of them hold a candle to the ultimate classic- the bicycle. Advances in technology have made bikes lighter, safer, and easier to repair, but the basic bicycle remains unchanged and is still the most affordable and dependable personal transportation device. And we’ve seen similar changes when it comes to what it means to be an investor. There really are a ton of crappy investments out there and the spread of not-so-awesome investment advice has been on the rise as well. It’s a constantly changing space and there are a wider range of options available as well as ‘gurus’ telling us how we should be investing. These fancy options can throw us off our game and so we wanted to make sure that you’re able to cultivate and embody the characteristics of a great investor so that you’ll be able to make wise decisions with your investments.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Oktoberfest by Dry County Brewing! And please help us to spread the word by letting friends and family know about How To Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Combining Finances as a Newlywed Couple, Seek and Destroy Investment Fees, & Making the Most of Inherited Money #562 Sep 05, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - As a newlywed couple, should we combine our finances?

    2 - How do I go about finding and then eliminating the fees associated with my 403b account?

    3 - I received an inherited IRA- how do I make the most of this money if I’d like to eventually buy a house?

    4 - Should I finish out a basement, build an ADU, or purchase a single/multifamily home if I’m wanting to diversify into real estate?

    5 - What are your top 10 episodes that you’d recommend to noobs of personal finance?

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Saison De Banc Vert by Green Bench Brewing! And please help us to spread the word by letting friends and family know about How To Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Quiet Quitting, Cheap Ribeyes, & Another Housing Recession? #561 Sep 02, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we cover some relevant and helpful stories like: tomorrow is National Cinema Day, sky high EV prices, heating your home this winter is gonna be pricey, e-bike incentives, at the brink of a possible housing recession, HGTV-ification of America, big brother employers doling out productivity scores, cheap ribeyes and brisket, buying meat in bulk straight from the farm, how eco-friendly is raising livestock, & Sam’s Club raising their membership fees.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Subtle Marketing Maneuvers That Stymie Your Money Momentum #560 Aug 31, 2022

    How something is communicated to us can have a major impact on the reception of that idea. For instance, Joel’s wife has been known to offer great advice to him over the years- but he often only comes around when a friend makes a similar remark! He suddenly sees the light because even though the advice is the same, the context is different. It’s only then that he takes action. And similar patterns emerge when it comes to our susceptibility to advertising and marketing. Our subconscious often coalesces to marketing tactics that we tend to think we’re impervious to. We’re not quite as rational as we think we are, and those marketing tricks often nudge us towards buying things we don’t need and spending money we hadn’t planned on parting with. So listen as we identify some of these marketing maneuvers and the steps you can take to avoid becoming a mindless consumer.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Bibo by Creature Comforts! And please help us to spread the word by letting friends and family know about How To Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Tackling Personal Finance with NFL Linebacker Brandon Copeland #559 Aug 29, 2022

    Our guest today, Brandon Copeland is an NFL player, but he’s also so much more than that. He most recently played for our local team, the Atlanta Falcons, last season but he’s won the Alan Page award for community service and we find his off-the-field activities even more fascinating. He runs a non-profit football camp called Beyond the Basics that not only teaches kids the technical skills of being a great football player, but also helps them to reach their full potential off of the field as well. He has a financial literacy course called Life 101 that he teaches at the University of Pennsylvania. He has a couple of real estate companies that he runs with his wife as well- it’s safe to say that Brandon is truly an entrepreneur! We talk about personal finances in the NFL, resisting the cultural pull to consume, setting our kids up for success, and much more in today’s episode.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Fortunatus by Three Taverns! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Forgiveness Reality, Expensive Offspring, & DIY Coffins #558 Aug 26, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we cover some relevant and helpful stories like: Student loan forgiveness has arrived, forgiveness tax implications, student loan payment caps, streaming viewership and prices continue to rise, unlimited movies are back, expensive offspring, wasting your library money, affordable hearing aids on the way, DIY coffins to save big, and props to one of our favorite outdoor recreational activities.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Beating Down the Biggest Money Obstacles You Face #557 Aug 24, 2022

    Gen Z listeners might not get this reference, but American Gladiators in the early 90s was the original American Ninja Warrior. The show was a series of events where a couple of really fit young folks would compete through a number of obstacles to win a cash prize. The only thing standing in their way? A roster of some incredibly ripped athletes who just wanted to punish you. The gladiators were literally slamming you down or jousting you off a raised pedestal- they were the biggest obstacles the competitors faced. And similarly, there are money obstacles that pop up out of nowhere that knock the wind out of our finances. Some obstacles are more external like the influence of our friends or unplanned expenses, but others are internal like a short-sightedness we might have towards our money or a lack of knowledge. So we’re going to spend this episode running through some of the different obstacles that are attempting to derail you on your path to financial freedom- and specifically, what to do about them.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Bibo by Creature Comforts! And please help us to spread the word by letting friends and family know about How To Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Overly Relying on Micro Jobs, Going Green and Frugal at the Same Time, & Selling Now vs Renovating in the Future #556 Aug 22, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - Should I consider micro jobs to make some supplemental part time income?

    2 - How do I go about making frugal and green choices at the same time?

    3 - Without any passive streams of income, where should I pull money for early retirement?

    4 - Our house is going to need some major work in the next 5 years- should we sell now or renovate?

    5 - How much would I pay in taxes in order to invest into a Roth IRA?

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Rho by Equilibrium Brewery! And please help us to spread the word by letting friends and family know about How To Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Dirt Cheap Groceries, Worthless Warranties, & Paused Payments? #555 Aug 19, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead during these trying times. In this episode we cover some relevant and helpful stories like: wearing used workout clothes, inflation resistant restaurants, dirt cheap groceries, trading down to save more, potentially paused payments, student loans impacting your golden years, happy birthday Social Security, worthless warranties, college student safeguards, TDF allowing you to DIY it within your 401k, actively managed funds kinda coming out ahead, specific EVs that get the new tax credit, & a sweet signup bonus on one of our favorite credit cards.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Negotiation as a Winning Everyday Tactic #554 Aug 17, 2022

    A couple years ago Matt got really into tracking his time for an entire year. Virtually every minute, there was an app running in the background as he was cataloging how he was spending his hours- all in an attempt to better utilize his time. And while 99% of folks will think that’s completely insane, they’ll likely admit that there might be some serious benefits to managing their time more efficiently. Similarly, we’re here to argue that negotiating is something that can benefit you regardless of what stage of life you’re in- whether you’re a student, a stay-at-home parent, or a CEO. Unfortunately there are a few misconceptions about negotiating that we’re going to tackle. But then we’ll go through a number of different factors to keep in mind that are going to make you a more effective negotiator in your day-to-day life. Factors like market research, your tone and non-verbals, the role of emotion during an interaction, and plenty more that’ll help you to earn more and spend less.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Cherry Grisette by Jester King! And please help us to spread the word by letting friends and family know about How To Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ratcheting Up Your Risk Tolerance with Allison Schrager #553 Aug 15, 2022

    We’re getting a little nerdy on the show today with Allison Schrager who is our favorite author on the subject of risk. She’s an economist, a senior fellow at the Manhattan Institute, a columnist at Bloomberg Opinion, and co-founder of LifeCycle Finance Partners which is a risk advisory firm. Allison has had a varied career from working in finance, policy, and media with her byline often appearing in many different publications like the Economist and Wired. She’s also written a book, “An Economist Walks into a Brothel: And Other Unexpected Places to Understand Risk” that we’re diving into as well. And we’re going to discuss what risk looks like in our world today- how we should be interpreting it as individuals, as investors, and whether we should be exposing ourselves to more risk in a world that seems obsessed with the pursuit of safetyism.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Busy as Daggie by Tripping Animals! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Holiday Flight Advice, Inflation Reduction Reactions, & Aldi at the Altar #552 Aug 12, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead during these trying times. In this episode we cover some relevant and helpful stories like: DIY toilet talk, 2021 sold more electric bikes than electric vehicles, EV prices are getting out of hand, tax credits to help you go electric, more funding for the IRS, $1,200 to greenify your home, Petsmart saddling employees with debt, holiday flight advice, refunds for delayed flights, everlasting Southwest travel credits, Aldi at the altar, & realizing real retirement risks.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Is It a Terrible Time to Buy a Home? #551 Aug 10, 2022

    They say that timing is everything. For example, Nascar and F1 drivers need perfect timing in order to make a move and pass their competition. An ill-timed attempt can result in falling further behind, or even worse, in a crash that takes you out of the race completely. Well, the housing market has been shaken up in a big way as prices have risen substantially and now higher rates are making things even more unaffordable. That being said, the market is beginning to feel like it’s stalling out and maybe even correcting- though we would be pretty shocked if the current market oddities ended up in something resembling the 2008 crash. But there’s still a lot of uncertainty when it comes to the housing market. If you were making offers last year and missing out consistently, is now the time for you to finally be able to buy? During this episode we talk about timing the housing market, what the current market conditions look like, how you should be thinking about the rent vs buy debate, as well as some practical steps that you should take if you determine that you are ready to buy a home.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed an Odelette by Fair Isle Brewing! And please help us to spread the word by letting friends and family know about How To Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Buying a Used Car from a Rental Fleet, Timing a 401k Conversion, & a Duplex Purchase Snag #550 Aug 08, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - I’m thinking about buying a used car from a rental fleet- what considerations should I keep in mind?

    2 - What steps should we take, or not take, as we’re getting more serious with our entrepreneurial endeavors?

    3 - Is now a good time to roll my 401k over into a Roth IRA?

    4 - What factors should I consider as I’m looking for the best rate on my high yield savings account?

    5 - My lender says that I have to move into the duplex that I’m trying to purchase as an investment property- what should I do?

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Grapefruit Hefeweizen by Schofferhofer! And please help us to spread the word by letting friends and family know about How To Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Child Labor, Equifax’s Idiocy & Utility Bill Hacks #549 Aug 05, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead during these trying times. In this episode we cover some relevant and helpful stories like: HTM sock giveaway winners, more Google Map biking features, credit card companies are fighting for your business, cheap millennials are worse tippers, jumping ship to earn 10% more, why we’re proponents of child labor, US Bank exploiting their customers, pernicious hotel fees, Equifax continues to blow it, & a quick utility bill hack.

    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

    • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
    • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Maximize your rewards by getting the best credit card for how you spend.
    • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    • Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Is College For Dummies? #548 Aug 03, 2022

    Now we know that baseball is America’s pastime, but is there any other sport that is more ingrained in our culture than football? And is there anything more wholesome than parents encouraging their kids to play football in order to learn teamwork, develop their athletic prowess, and develop friendships while having a great time? That may have been true 30 years ago, but the rise of CTE (chronic traumatic encephalopathy) has given parents pause as we’re now seeing something close to 35% fewer kids playing the sport now than played 10-15 years ago. The value proposition has changed as we’ve learned what the longer-term impacts of all of those hits to the head means for athletes. Well we believe the same thing is true when it comes to higher education. Due to the higher costs of college, the massive student loan burden, and other false assumptions about going to college, we want all high school grads to think long and hard about whether college is the right choice for them. Listen as we discuss the factors to consider to maximize your ROI of attending college, some great alternatives to going straight from senior year to a university, and then some questions to ask yourself to help you decide.

    During this episode we enjoyed a Foeder Bier by Southern Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Real Estate Investing in an Erratic Market with Brandon Turner #547 Aug 01, 2022

    This is the episode you need to listen to if you’ve been making excuses for not getting into real estate investing. Our interview today is with Brandon Turner who quite literally wrote the book on investing in real estate. He has published many books on the topic including “The Book on Rental Property Investing: How to Create Wealth With Intelligent Buy and Hold Real Estate Investing”. He was also a former host of the Bigger Pockets podcast with over 100 million downloads and of course that’s a show that’s all about real estate. And today our conversation covers Brandon’s story- how he first got into real estate, how as an entrepreneur he keeps work from overtaking his life, how you can choose an investing strategy, how you should approach cash flow vs appreciation, what to do about current housing market conditions, if being a landlord is ethical, and more!

    During this episode we enjoyed a Do or Die: Spiced Chocolate Stout by Orpheus Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Ginormous Jackpots, Expensive Algorithms, & Geriatric Roommates #546 Jul 29, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead during these trying times. In this episode we cover some relevant and helpful stories like: scoring some HTM socks!, finally time for a recession, ginormous jackpots, using dumb personal loans to build wealth, fintech promising too good to be true savings rates, Overdraft Protection Act, the case of the $5,000 Springsteen tickets, expensive algorithms, fake reviews, student loan pause likely to be extended, geriatric roomates to save big, going with store brands, and conspicuous consumption if you’re into foot stuff.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    The Middle Class is Shrinking: What That Means for You! #545 Jul 27, 2022

    We, as human beings, avoid pain. Nobody likes to break their collarbone while snowboarding, cut their finger while chopping up some veggies, or even stub their toe on the leg of the high chair. And of course that immediate pain communicates to us that something is wrong- it keeps us from further hurting ourselves. But then oftentimes there is some inflammation or swelling that occurs after the fact. And that’s not a sign that you’re hurting yourself, but it can actually be the first steps that your body is taking in order to heal your injury. So in a way that ongoing pain from any swelling could be seen as a good thing! Though uncomfortable, it can be a sign of forward-looking health. And similarly, we’re attempting to take a more positive approach to what seems like the disconcerting problem of a shrinking middle class. We actually think there is more good than bad happening with a middle class that seems to be hollowing out. Listen to find out why this seems like a bad trend at first glance, who has been climbing the financial ranks, who is actually considered ‘rich’, what this means for you, and then finally what you can do to get ahead with your finances.

    During this episode we enjoyed a Stiegl Radler Zitrone (fancy-speak for lemon)! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Dropping Money on Fancy Coffee, Insurance at the Expense of Investing, & the Best Approach to NFTs #544 Jul 25, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - Is it ok to splurge on a cup of joe at my local coffee shop when my financial situation has gotten more burdensome?

    2 - What are your thoughts on how we should be taxed here in the US?

    3 - How much should I investing into NFTs?

    4 - Does it make sense for me to keep paying on a home warranty plan that I inherited?

    5 - Am I spending too much money on life insurance?

    During this episode we enjoyed a Milkstachio by Hop Butcher for the World! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Everyday Payday, Coupon Culling, & the Demise of Thrifting #543 Jul 22, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead during these trying times. In this episode we cover some relevant and helpful stories like: European travel discounts, making yourself take some time off, rising costs of pet sitting, WTD with that drawer of gift cards, decelerating rents, the demise of thrifting, $18 for heated seats, everyday payday, coupon culling, & the easiest way to create a will.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Streaming Sucks! Eliminating Expenses as Costs Creep Up #542 Jul 20, 2022

    We talk a lot about finding free stuff on the side of the road, in HTM parlance, curb alerts! It’s a great way to reduce waste and save money if you’re able to find something that you’re needing, and it just so happens to be sitting there on the curb for you. But if you find yourself driving around town for a few hours every night after work in hopes that folks have abandoned a neat tchotchke that you may or may not actually need, then you might be dedicating too much time to the pursuit of free stuff. Similarly, streaming subscriptions can be a wonderful thing- they’ve been able to deliver some amazing content to hundreds of millions of people. But if you have too many streaming companies set to autopay, not only is it consistently draining money from your bank account but it’s also stealing your most limited resource- your time. Listen as we tackle why it is we stream in the first place, how to cut the cost of streaming, how to stream for free, and contemplate what else you could be spending your time doing as we challenge ourselves to spend less time on the couch to begin with!

    During this episode we enjoyed a Benevolence by Flying Machine! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Living Life with the End in Mind with Jordan Grumet #541 Jul 18, 2022

    For a certain subset of HTM listeners, it might be easy to not see the forest for the trees. You might naturally be drawn to the finer details of personal finance like expense ratios and Excel formulas in an attempt to ensure that you’re living the most efficient and optimized life that you possibly can. But, that’s when the subtle shift can take place. That’s when the means to the end begins to overshadow the actual end, which for many is to simply live a good and happy life. Instead, we should live our lives with the end in mind and that’s why we’re talking with Dr. Jordan Grumet, also known as Doc G. Jordan was an internal medicine physician when he discovered the personal finance community. Since then he started an award winning podcast and is now the author of Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life, which will be published in a couple of weeks. Listen as we discuss meaningful work, resisting the traditional American work culture, what it takes to set priorities in life, and much more!

    During this episode we enjoyed an Indolence, which is an American sour, by Pretentious Barrel House! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Concerts on Credit, Evaporating Assets, & Can You Afford Me Now? #540 Jul 15, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead during these trying times. In this episode we cover some relevant and helpful stories like: we’ve got socks!, Joel’s top Costco picks, house hacking to live rent or mortgage free, monthly savings rate in the dumps, concerts on credit, coping with a shrinking portfolio, the real threat to your investments, big wireless ratcheting up their rates, stamps aren’t immune to inflation, evaporating assets, car notes the size of mortgage payments, & pick your poison: clean your toilet or make a budget.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Making the Most of an Economic Downturn #539 Jul 13, 2022

    A friend of ours writes a daily newsletter, and he recently featured a 74 year old named Paul who has lived inside of an iron lung since he was six years old. Paul was completely paralyzed due to polio from the neck down, and his disability means a life that most of us could barely imagine. But that didn’t stop Paul from achieving many goals over his lifetime- he taught himself to write with a pen in his mouth, he earned a college degree, and even went on to become a lawyer! We share this to highlight that there are a number of factors outside our control, and we should instead focus our energy on the things that we do have control over. There’s little that we can do when it comes to the economy, recessions, and inflation. But we do have a say over our personal finances- the financial foundation we build for ourselves, the money we spend, the money we invest, and the ways that we ensure a healthy and steady income. Listen as we cover all of that and more during this episode!

    During this episode we enjoyed a 2022 Mexican Cake by Westbrook Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Invest or Pay Off Student Loans, Getting Rich by Earning a Counseling Degree, & Buying an RV Instead of a Home #538 Jul 11, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - Does it make sense to buy an RV in order to avoid high real estate costs?

    2 - How wealthy will my girlfriend get after earning her master’s degree in counseling?

    3 - Given the recent volatility of the stock market, should we tweak the allocation of a 529 account we just set up?

    4 - I’m interested in using real estate to semi-retire in 7 to 10 years- but where should I save or invest my down payment?

    5 - Should I pay off my student loans or invest my extra savings?

    During this episode we enjoyed a Kolsch by Blaze Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Cheaper Booze, Buy Now Pay Never, & What Housing Market Crash? #537 Jul 08, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: measuring the value you get from Amazon Prime, fueling your addiction with Jackpocket, borrowing to invest, buy now pay never, who’s footing the the bill when it comes to credit card rewards, what housing market crash?, housing affordability brought to you by a 50 year mortgage, cheaper groceries and booze, & whether banning new gas stations is the best path forward.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Fractured FIRE: Early Retirement, Not So Hot Right Now! #536 Jul 06, 2022

    Some things sound really good... until they aren’t. Like when your kids say they’re going to spend all of their money at the candy store and how they’re going to eat ice cream every night of the week. Sure that sounds tempting now, but the reality isn’t quite as rosy. As you grow older you realize that there are constraints that prevent you from a diet like that- namely the health issues that would arise! We think that something similar is happening to the Financial Independence Retire Early movement. An idea that sounds really compelling when the market is kicking butt doesn’t feel the same once a bear market has ravaged those early retirement portfolios. Not to mention that with inflation on the rise, your dollars aren’t getting you quite as far as they used to! So we offer a few alternatives to those who are striving after early retirement, how we would recommend that you think about your work and career, and then we highlight why we think the FIRE movement still has its merits.

    During this episode we enjoyed a Just a Kiss by The Bruery! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Becoming a Financial Samurai with Sam Dogen #535 Jul 04, 2022

    Happy Independence Day! We’re marking the occasion by talking with Sam Dogen- one of the pioneers of the Financial Independence Retire Early movement. Sam is the founder of Financial Samurai which he founded over 10 years ago. He retired at age 34 after a career at Goldman Sachs, but then came out of retirement as retired life was a bit too boring for him! He has written over 2,100 articles at his site and now his new book “Buy This, Not That” is about to be released very soon which is an excellent guide on how you can optimize your money to build wealth and live life on your own terms. During this episode we talk about why Sam isn’t a huge fan of the 25x rule, maximizing your earning potential, engineering a layoff- we’re excited to talk about all of that and more today!

    During this episode we enjoyed a Daily Serving by Trillium- and thanks again to Sean for sending this one our way! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Imposter Syndrome, Rental Bidding Wars, & Costly Cookouts #534 Jul 01, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: the IRS backlog continues, free goods from Amazon, bullwhip effect leading to sales on the horizon, imposter syndrome taking a bite out of your wallet, salary transparency on the rise, the role of gig work in your financial life, zoomers are all about that cash, the best hysa interest rate, rising interest rates hurting your house purchasing power, rental bidding wars, & costly cookouts.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Wives & Money... Part IV #533 Jun 29, 2022

    Kate and Emily take the mic! It’s that time of year again- when our wives have yet again so graciously agreed to sit down and talk with us about money after we wrestle the kids down for naptime, while we’re away at the beach! Specifically during this episode we fielded some questions from the Facebook group and the ladies answered what their current splurges are, thoughts on moving our families to the burbs, ways to keep the grocery budget down, when we got financially naked, how to match different levels of risk tolerance, what it looks like to include kids in our family money conversions, and plenty of other nuggets of wisdom!

    During this episode we enjoyed A Plume of Many Hues by Hop Butcher for the World! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - New Cars vs Used vs Leasing, Budgeting on a Variable Income, & Designing a Space for Airbnb #532 Jun 27, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - How much risk is too much risk as I’m looking to grow my online business?

    2 - What is your car buying philosophy- new, used, or lease?

    3 - My income is fluid and irregular- how am I able to create a monthly budget?

    4 - What design tips should I keep in mind as I’m building a new home that I’m planning to house hack?

    5 - Is there an easy way to see my Roth IRA contributions and withdrawals?

    During this episode we enjoyed an Imperial Stout by Nøgne Ø! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Gas Tax Holidays, Bargain Cruises, & Bad Investing Robots #531 Jun 24, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: we curb alerted ourselves, imposter Instagram accounts, what would you do for a bungalow, screaming mortgage rates, how we approach credit cards, high interest savings accounts are back, the best guaranteed returns for the next year, bad investing robots, gas tax holidays, geriatric cars, insurance rates on the rise, & bargain cruises up for grabs.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Fighting Back Against Gas Price Insanity #530 Jun 22, 2022

    You can’t escape summer! Whether you’re baking under the sun at your local pool on the weekends, or setting off on adventures with your kids during their summer break, the changing season and warmer temperatures signal that it’s summer break. Just like summer impacts basically everyone, so does the price of a gallon of gas increasing at a previously unseen rate. Even electric vehicle owners aren’t immune to the rising prices- though there’s gotta be a palpable sense of relief every time you plug your car in! The US crossed the $5 a gallon threshold a couple weeks ago and who knows where the prices are headed from here?! But we’ll talk about why gas prices are unrelenting right now, we’ll share some of our thoughts on fossil fuels in general, and then we’ll the majority of this episode talking through the many steps you can take to lessen the pain you’re experiencing at the pump.

    During this episode we enjoyed a Really Big Bird by Trillium- a huge thanks to Sean for sending this one our way! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Futureproofing Your Career & Crypto Advice for Noobs with Kevin Roose #529 Jun 20, 2022

    Today’s interview completely revolves around technology and we’re excited to have Kevin Roose joining us today. Kevin is an award-winning tech columnist for the New York Times, and a Times bestselling author of three books: Futureproof, Young Money, and The Unlikely Disciple. He is the host of the “Rabbit Hole” podcast, and writes and speaks regularly on all topics related to our modern age including automation and AI, social media, cybersecurity, and digital wellness. But today, we are narrowing his focus to discussing some of the different ways that we can ensure your career can continue to grow as AI is taking over many different areas of our lives. Plus we’re going to do a deep dive into crypto and how you should be thinking about it today.

    During this episode we enjoyed an Analog Life by Good Word Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Finding Drug Money, Bear Markets & the End of Millennial Subsidies #528 Jun 17, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: signing up to be a squid game contestant, why it’s good news to officially enter a bear market, auto-enrolling leading to financial independence, the simple path to wealth, the end of millennial subsidies, a Bitcoin academy in public housing, what terrible crypto performance means for your portfolio, high earners living paycheck to paycheck, more medical bill price transparency, & finding drug money.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    It’s Not JUST Inflation: Defying Higher Prices in Your Life #527 Jun 15, 2022

    It’s an understatement to say that the political discourse in our country is a mess! And the problem isn’t that you just disagree- that you think someone on the other side of the political aisle has the wrong opinion. That’s certainly a part of it, but the major political issues of the day that Americans are rightly discussing require patience and a nuanced understanding of different ideas to make progress. Instead, we have anonymous accounts on social media, partisan media, divisive rhetoric from leaders, and the pandemic which further polarized the political divide. All are factors that have contributed to politics being a hot button topic. Similarly, it’s not just inflation that’s causing everything to feel like it’s costing us more money- that our dollars aren’t getting us through to the end of the month. Inflation is a major culprit and we’ll definitely talk more about that today. But there are some other factors as well and we think by zooming out and looking at the entire picture, that we’ll be able to better understand the many different reasons that everything seems to cost us more than it used to. And then we’ll share what steps we can begin to immediately implement in order to start defying these higher prices.

    During this episode we enjoyed a Breakfast Stout by Founders Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Breaking Bad Budgets, Higher Returns By Investing In A Side Hustle, & WTD About A State Pension #526 Jun 13, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - How detailed should we get with our monthly budget - should we break out individual items on receipts?

    2 - What kind of pre-tax-post-tax balance should I strike when contributing to retirement accounts?

    3 - Should I seek higher returns by investing more into my side business?

    4 - For my retirement - should I continue building up towards my state pension or switch to a 401k with a match?

    5 - Is it a good idea to tap equity in my current home for a down payment on an investment property?

    During this episode we enjoyed a Taras Boulba by Brasserie De La Senne! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Going Minimalist To Save More w/ Joshua Becker (Bestie Ep) #525 Jun 10, 2022

    We’ve all heard about the minimalist lifestyle- maybe you’re picturing a bearded hipster drinking coffee in his perfectly white dining room or an Instagram worthy, perfectly styled modern kitchen. It turns out that’s not what minimalism is all about- it’s about priorities. We felt that that summer is a great time to hit reset on a number of things in life, including the vast amount of clutter that many of us surround ourselves with. Here to talk with us today about minimalist living is Joshua Becker. While beginning the process of removing possessions from his life, Joshua started the site Becoming Minimalist and has written several fantastic books over the years including The More of Less, The Minimalist Home, as well as the recently published Things That Matter. Not only can a minimalist approach to life allow us to spend less and save or invest more, but it can have a positive impact in lots of areas of our life.

    During this episode we enjoyed an I Feel It All by Monday Night Brewing! And as we ramp up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    We’re Moving! Our Advice For Finding A Great Place To Live #524 Jun 08, 2022

    Think back to when you were a kid- can you remember an instance where you asked your parents a question, and instead of explaining the actual answer, they just said “Because I said so”. How frustrating! Or maybe in middle school you were horrified to even be seen with your folks in public because of something they were wearing. You’d say to yourself “I’m never going to be like parents!”. Well that was us to a T, and we always thought we’d be intown city dwellers. Well times have changed and so we’ll share why it is that we’re moving (yes… both of our families!), but we realized this is also an incredibly relevant topic for a lot of folks out there. Of course housing is everyone’s top expense, but there are many reasons why moving is top of mind for a large percentage of Americans. Listen as we discuss a healthy framework and factors to consider when you’re debating a move. Not only financial considerations like cost of living and increasing your earning potential, but also lifestyle considerations like relationships and schools. And we’ll also leave you with a few tips to help ensure you’re making this move without breaking the bank.

    During this episode we enjoyed a Stuckey’s Pecan Log Roll by Wild Heaven! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Cashing Out To Build Wealth On Your Own Terms with Julien & Kiersten Saunders #523 Jun 06, 2022

    We’re joined by fellow Atlantans- our friends Julien & Kiersten Saunders! They started their site Rich & Regular back in 2017 after they threw themselves into the financial independence movement and paid off $200,000 in debt. They’ve been featured virtually everywhere- the Times, the Atlantic, Bloomberg. They’re successful speakers, created a fantastic Youtube series called Money on the Table, and now they’re about to be published authors! Their book “Cashing Out: Win the Wealth Game by Walking Away” comes out next week. In the book they write about creating your own career path, making peace with your finances, and building wealth on your own terms. During this interview we discuss Julien & Kiersten’s introduction to the FIRE movement, avoiding imposter syndrome when creating content, and how to actually know if it’s time to cash out by quitting your job.

    During this episode we enjoyed a Valley of Gold by Wild Heaven! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Perpetual Quitting, A Second Hand Surge, & Debt Management Plans #522 Jun 03, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: perpetual quitting, the second hand surge, stepping away from social media and work, going prairie style to combat higher water bills, why a master’s degree can lead to a negative return on investment, avoiding crapcoins as payment for anything, fighting back against shrinkflation, and debt management plans.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Is The Stock Market Broken? #521 Jun 01, 2022

    Imagine hopping on a flight to visit your parents on the other side of the world. You don’t avoid flying by plane because there’s likely going to be some turbulence- a few rough patches are to be expected. You take advantage of the modern marvel of a transatlantic flight and you go and see your family! Similarly, the stock market is the greatest wealth creating machine in history- it’s amazing! Investing in the market to achieve millionaire status has become possible for a much wider swath of folks but the path comes with its fair share of corrections and bear markets. To go back to the analogy- what if it's starting to look like air travel is no longer safe? You start to consider that upcoming flight! Sure, we’re seeing some market volatility now but future market predictions aren’t looking all that rosy either. Is it time to consider pulling out of the market? During this episode we’ll discuss why the market saw massive gains over the past 2 years, why we’re optimistic about the future of the stock market, what you should be doing if we experience a future of weak returns, and how you should be investing regardless of what’s going on with the stock market.

    During this episode we enjoyed an Escape From Lager Mountain Flying Machine! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - ETFs vs Mutual Funds, Taking Advantage of a Zero Down Home Loan, & the Nitty Gritty of FIRE #520 May 30, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - Should I buy ETFs or mutual funds when investing within a taxable brokerage account?

    2 - What should we do with the proceeds from selling our house?

    3 - As we achieve FIRE, how do we go about easily withdrawing our retirement funds early without getting hit with penalties?

    4 - Is it a good idea to put down 0% on a new home? And if it is, what should I do with extra money that I would have on hand?

    5 - Should I ditch my workplace 401k and move to a Roth IRA instead?

    During this episode we enjoyed a Dad’s Oatmeal Cookie Stout by O’Fallon Brewery! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Sour on Stocks, Living For Today, & Frustrating Phone Repairs #519 May 27, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: last call for the $1,000 travel credit card welcome bonus, babysitters making bank, most folks are sour on stocks, passive index funds on top, the emotional difficulty of retiring, cultivate your core pursuit ASAP, financial nihilists living for today, appealing your property taxes, paying top dollar for vacation subscriptions, & frustrating phone repairs.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Flee Before You’re Fleeced: Crappy Financial Products To Avoid #518 May 25, 2022

    The CDC definition of a parasite is: an organism that lives on or in a host and gets its food from or at the expense of its host. They’re not necessarily out there to completely destroy you- at least not immediately. Instead they want you to go on living your life, so that they can leach as much as they can while they get fat and happy, hopefully without you even noticing. And that’s exactly how we feel about crappy financial products except they’re not feasting on your blood, they’re feasting on your dollars. Their ability to thrive comes at your expense and it’s abundantly clear that these crappy financial products don’t have your best interest in mind. So today we’re going to run through a number of the worst culprits out there, why they’re the worst, and then what you can do in order to make sure that you avoid getting fleeced.

    During this episode we enjoyed a Wrigley Fields Forever by Good Word Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Why You Need a Money Coach in Your Corner with Ericka Young #517 May 23, 2022

    It’s time to get your financial butt in shape! Our guest today, Ericka Young, is the financial coach that she never had! As a newlywed couple, Ericka and her husband discovered that it’s actually pretty easy to become just like the average US household that now has over $150,000 in debt. It’s the norm and if you don’t have a plan to avoid debt, you will likely find yourself falling into that trap! But that’s not the path that Ericka continued along- she was determined to change her family tree, and now helps others who are seeking financial freedom in their lives. Ericka started her company, Tailor-Made Budgets where she creates custom plans for her clients that give them the tools and the knowledge to cut their stress levels by increasing their savings and decreasing their debt. We get to hear Ericka’s debt story, how she was able to leave a high paying engineering job, signs that someone might need a financial coach, what it looks like to face your financial reality, how she helps her clients think through making trade-offs, and why friends may not be enough of an accountability partner.

    During this episode we enjoyed a Where I Want To Be Deciduous Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Price Profiteering, ESG BS, & Secondhand Smarts #516 May 20, 2022

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: CapitalOne bonuses, free at home Covid tests, too busy to budget, waiving home inspections in a cooling housing market, secondhand financial smarts due to spillover effects, expensive airport beers, price profiteering, economists don’t blame corporate greed for higher inflation, crappy car repair loans, declining used car prices, & ESG BS!

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    The Nasty Debt Comeback & How To Counter It #515 May 18, 2022

    Everyone loves a good comeback story- exceeept when it’s the villain who is making the comeback! That's basically how we feel about the mullet. We can all pretty much agree that mullets are the most villainous hairstyle. It had its heyday back in the 80s and is now back in full-business-in-the-front-party-in-the-back-force. Similarly, that’s how we feel about consumer debt. Credit card debt levels drastically dropped with the onset of Covid lockdowns and for a minute we thought this might be the start of a personal finance reawakening! But unfortunately that was the exception rather than the norm. In February, American consumers increased their borrowing by a record $42 billion as credit card usage was up 20% in Q1 alone according to the major credit card companies. This is bad news of course, but there are strategic ways to use debt to your advantage. The types of debt you sign up for, what you’re spending it on, your debt to income ratio, and resisting the ‘immediacy premium’ are all elements of debt that we discuss today.

    During this episode we enjoyed a Moderne Dansk by Jester King! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Special Accounts for Baby Expenses, Dissuading a Listener from Using the Beloved Roth, & Choosing the Best Life Insurance #514 May 16, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - My fiance wants to get into house hacking. How can I feel more comfortable with this risky endeavor?

    2 - How should my student loans impact how I invest in my Roth?

    3 - Fee-based financial advisors vs fee-only financial advisors?

    4 - Should I go with a Kai-Zen life insurance plan and consider borrowing against a permanent life insurance plan?

    5 - How can I best utilize a DCFSA in order to pay for baby expenses?

    During this episode we enjoyed a No Wooden Shoes by Good Word! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - UNstable coins, Ludicrous Layoffs, & Sweating to Save #513 May 13, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: MCM furniture paying dividends, sweating to save some money, federal tax credits to help you install solar, scammers targeting utilities, UNstable coins, crypto crashing, Robinhood jacking up fees, Carvana sticking it to 2,500 employees, the shifting labor market, & buy now pay later companies leading millennials into billions of debt.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Starting A Business is Easier Than You Think #512 May 11, 2022

    “Inconceivable!”. There are certain tasks in life that feel virtually impossible. One that comes to mind is painting your house- “I can’t do that, I’m not a professional painter!”. When in reality, that’s a project you actually could perform well. Or another one might be something like baking some biscuits- “I’m not some culinary magician who can whip together some homemade biscuits from scratch!”. When fact, that’s something 6th graders learn how to do in middle school. And the same thing is true for starting your own business- there seems to be this special aura surrounding small businesses that lead many to think that they don’t have what it takes. That it takes some special wizardry to run your own business. But we think that you do, in fact, have what it takes, that the pros outweigh the cons, and that the financial upside is worth leaving the “safety” of a W2 job. Listen as we cover the many reasons we believe starting a business is actually easier than you think.

    During this episode we enjoyed a Let's Get Some F****** Fraanch Toast by Bhramari Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Cutting the Financial Umbilical Cord with Bobbi Rebell #511 May 09, 2022

    We’re talking today about how to avoid screwing up your kid’s relationship with money. As parents, our job is to raise amazing adults to one day replace us! And even if you don’t currently have kids, or maybe you know that you never will- today’s conversation will do a great job shedding some light on why you think and feel the way you do about your personal finances. Bobbi Rebell is a Certified Financial Planner, she’s host of the Money Tips for Financial Grownups podcast, and she’s also the author of “Launching Financial Grownups”. The book is a call to action for parents who want the best for their kids, but who are beginning to realize that their own pursuit of financial independence has to become a priority as well. We talk about parenting styles, the increasing trend of boomerang college students, ways that we can strategically help our kids with money, and personal finance conversations between parents and adult children as well.

    During this episode we enjoyed a Farm Friends by New Image Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Buffett’s Brilliance, Trading Data for Dollars, & the Foibles of Student Loan Forgiveness #510 May 06, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: boosted HSA contribution limits, making the most of the student loan pause, foibles of student loan forgiveness, Buffett’s brilliance, how much crypto you should own, how death causes us to spend more, rent-a-bank payday lenders ripping people off, trading dollars for data, what higher interest rates mean for you, fraudulent medical bills on your credit report, & better ways to use social media.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Quitting Your Job The Right Way #509 May 04, 2022

    There’s a right way and a wrong way to do all sorts of things. For instance we think that the right way to load toilet paper is with it dispensing over the top of course! Or, sometimes you see guys at the beach and they’re beet-red but they’ve still got their shirt off and they’re likely not wearing any sunscreen- what’re they doing?! And similar to quitting your job the right way, getting burned seems to be a lesson that many folks don’t often learn until they are older, or until after they’ve learned the lesson the hard way. But when it comes to your professional career, we want you to realize that quitting poorly can have very negative long-term ramifications. And the flip side of the coin is true as well- higher pay, more work flexibility, and better opportunities in the future await! Learn what you should be doing before you quit your job, how to ensure that you’re not leaving money on the table when you leave, and how you can best transition out of your current job.

    During this episode we enjoyed a Bumblestick Nut Brown Ale by Bhramari Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Renovating To Generate Income, When Single Stock Investing Makes Sense, & WTD About Sky High Rent #508 May 02, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1. What can I do about rapidly rising rents at my apartment building?
    2. We want to house hack by finishing out a basement apartment- is this a good idea for us and should we finance the project?
    3. How do I pay off my debt while also not damaging my credit score for the upcoming purchase of a home?
    4. I’m getting paid to bike to work, but I have no idea what kind of bicycle I should purchase- help!
    5. Should I avoid investing in single stocks even if I get a really good discount through my employee stock purchase plan?

    During this episode we enjoyed a White Thai by Westbrook Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Conniving Credit Bureaus, Pet Repossessions, & #VanLife Woes #507 Apr 29, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: insulating your house to save the planet and save you money, #VanLife woes and the search for happiness, why a declining GDP doesn’t necessarily mean a recession is on the way, conniving credit bureaus, pet repossessions, cryptocurrency in your 401k, crypto mortgages, merchant processing fees on the rise, a new credit card bonus we’re excited about, & Rad Power Bikes are on sale!

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Cashing in on the Home Equity Explosion #506 Apr 27, 2022

    When your home’s value increases by over $50,000 in 2021 alone- you take notice! The average homeowner has access to well over $150,000 in tappable home equity while still maintaining 20% equity in their homes. But just because you can cash out, does that mean you should? As you’ve witnessed your home equity continue to balloon, you might be tempted to do something with those newly discovered funds. You might start getting the itch to finally spend some of that ‘hard earned money’ on a boat or maybe even a lavish vacation. Or maybe you’re more of a money nerd and you just hate seeing that equity sitting there underutilized- doesn’t it just feel like a waste with those funds sitting around doing virtually nothing? Either way, you might be facing a money decision with five zeros after it, and we want to help you think about it well.

    During this episode we enjoyed an Above the Threshold of Hell by Burial! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Navigating the New Era of Cheap Travel with Scott Keyes #505 Apr 25, 2022

    Our guest today is Scott Keyes- founder of Scott’s Cheap Flights, a travel platform with over two million members around the world. It’s been called “the travel world’s best-kept secret” by Thrillist and received praise in The New York Times among others. But before he became our favorite expert on ways to keep vacation costs down, Scott worked for years as a journalist, with bylines in The Washington Post, The Atlantic, and plenty of other publications. And now, he’s published a book titled, “Take More Vacations”, which we’ll discuss today as well. With virtually everyone out there clamoring to take a vacation, we’re really excited to be talking about this timely topic. We discuss why we’re living in the golden age of cheap flights, how to get across the ocean for as little money as possible, change fees, and then we also discuss long travel and the changing culture of travel here in the US.

    During this episode we enjoyed an Evolutions of BORIS the Crusher Caramel Macchiato by Hoppin Frog! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Your Office Beckons, Instagrammable Fruit, & Scoring Guaranteed Gargantuan Returns #504 Apr 22, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: we’re kicking off the HTM Newsletter with a book giveaway, why it makes sense to return to the office, desktop appraisals get the green light, HOAs barring hedge funds from buy up properties, guaranteed gargantuan returns, Instagrammable luxury fruits, egg prices on the rise, the credit card debt rebound, the rise and fall of Netflix, tax preparation software privacy issues, & skyrocketing airfares.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Prepping for a Looming Recession #503 Apr 20, 2022

    Have you ever been to a Broadway show? It’s amazing- whether you’re drawn to the storyline, the music, the costumes- but of course the cast is pivotal. And for any major theatrical production, not only are there the performers you see on stage, but there are also countless understudies. The backup cast members who learn all the lines, and know exactly what to do in case one of the performers gets sick or can’t perform. They’re preparing for the worst. We think of prepping for a recession in a similar way. We don’t know exactly when it’s going to happen. In fact, we hope that we don’t experience one anytime soon! But when it does, you’re going to be able to weather that storm much better if you take the proper precautions ahead of time. And with more talk of a recession on the horizon, we figured now was a great time to discuss what you should be doing. We’re going to get granular on this one and give specific steps that you should take in order to be prepared whether we enter recession territory later this year, or if it takes an entire decade! Either way, you’re going to be ready.

    During this episode we enjoyed an Altbairisch Dunkel by Ayinger! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Ask HTM - Debt Settlement Credit Score Impacts, Where to Stash Wedding Funds, & Investing Money for a New Baby #502 Apr 18, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

    1 - What kind of impact will settling my debt have on my credit score?

    2 - My employer matches retirement contributions but I really want to pay down my debt ASAP- what should I do?

    3 - Where should I invest funds for an upcoming wedding?

    4 - How should I go about investing money for my newborn daughter?

    5 - Do I have to actually use my credit card in order to boost my credit score?

    During this episode we enjoyed a Sour Strawberry Rhubarb by Edmund’s Oast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - Degrees are for Dummies, the Best New Credit Card Perk, & Crypto Psychos #501 Apr 15, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: unavoidable inflation hitting 41 year highs, why gas prices are slow to recede, the best affordable unlimited wireless plan, whether it’s frugal or cheap to bring your own concessions, crypto psychopaths, college enrollment is down, why degrees might be for dummies, states offering free college, & the best new credit card perk for investors.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Celebrating 500 Episodes With Some Killer Listener Tips #500 Apr 13, 2022

    It’s time to celebrate the fact that we’ve now officially recorded and published 500 episodes of How to Money! And what better way to mark the occasion, than to hear some of the best money tips from all of our listeners. From making more money with real estate, to getting on the same page as your partner with money convos, to spending less on groceries and smarter ways to budget- we had more voice memos sent in to us than we had time to get to during this episode, but we’re excited to share a bunch of them with you today. And thanks to everyone for sending in their best money tip for us to share! We couldn’t do this show without the listener support and love that we receive every day- either as an email or simply by the fact that you listen to the show. So thank you for helping to make How to Money what it is today!

    During this episode we enjoyed a Faithful Instruction by Monday Night Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Just Keep Buying with Nick Maggiulli #499 Apr 11, 2022

    Our guest today is Nick Maggiulli. Nick is the Chief Operating Officer for Ritholtz Wealth Management and regularly writes over on his site: Of Dollars And Data. But he wasn’t always steeped in the world of finance and investing- before that he was a successful litigation consultant. And even though Nick has always had a heart for personal finance, it’s only been in the past 5 years that he began to seriously write about money. And his new book, Just Keep Buying, actually comes out tomorrow! We were lucky enough to get an early copy and couldn’t recommend it enough. Nick weaves insightful stories with actionable advice that is going to help anyone who reads it. During this discussion we talk about timing the market, Nick’s definition of dollar cost averaging, spending less time on investments and more time on growing income, and much more!

    During this episode we enjoyed a La Folie by New Belgium! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    Friday Flight - The High Cost of Free Shipping, Gas Price Pushback, & The Student Loan Freeze Continues #498 Apr 08, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: the rise of 40 year mortgages, free audiobooks for life, the high cost of shipping, whether it makes sense to save for your future, the student loan freeze gets extended, more fuel efficient vehicles on the horizon, and affordable car alternatives.

    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!

    Best friends out!

    See omnystudio.com/listener for privacy information.

    The Perils of Investing in Individual Stocks #497 Apr 06, 2022

    Think about the last novel you read that included a dangerous quest. If it’s a fantasy like the Hobbit, there might be giant spiders, goblins, and dragons- but in the end, it’s worth it because of the unfathomable treasure and riches that await them. The thing is, when we’re talking about investing in single stocks, the chance that this perilous journey ends up with a happy ending is much less likely, but folks continue along in their quest. Why? Maybe it’s because of the sophisticated tools that we have at our fingertips, or because it’s more accessible than ever with apps like Robinhood where you can buy and sell for free, or maybe you just think you’re smarter than everyone else. And sure you’ve heard of individuals who have crushed it by investing with a company like Tesla, but we’re still not fans of this type of approach. So in this episode we tackle some of the most common arguments advocating for investing in single stocks, why we ultimately disagree, and how you should invest your money instead. Single stock investing is unnecessary and can often be problematic.


    During this episode we enjoyed another classic: Trappistes Rochefort 10 by Brasserie de Rochefort! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Student Loans Blocking Roth IRA contributions, Tapping Retirement Funds After a Layoff, & Going with a Health Sharing Plan to Save Big #496 Apr 04, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - I’ve recently retired and I’m looking for an affordable health care option- what are your thoughts on health sharing plans?

    2 - How do my fiance and I begin the process of house hacking after we’ve successfully run an Airbnb?

    3 - Student loans are keeping me from investing within a Roth IRA, but should I be investing at all?

    4 - Should I take a loan against my 401(k) or tap those funds early, if I need access to funds after getting laid off?

    5 - I have a Health Savings Account offered by my employer, but I’m not able to invest those funds- what should I do?


    During this episode we enjoyed a Sour Bikini by Evil Twin! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Fake Free Tax Filing, Radical Sabbaticals, & 24/7 Stonk Trading #495 Apr 01, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: slashing housing expenses with ADUs, new construction, and multi-generational households. Also we discuss making more money as a contractor, radical sabbaticals, choosing more meaningful work with flexibility, fake free tax filing, results of couples combining their money, 24/7 stonk trading, and new legislation that’ll benefit investors!


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Spring Cleaning Your Finances like an Adult #494 Mar 30, 2022

    Your birthday comes around every year- and you never forget because it’s something that you look forward to! But we’d argue that there are certain financial tasks that we should also revisit at least once a year, but we’re less than enthusiastic about knocking them out. This neglect is compounded by the fact that our finances have gotten more complicated than ever. You likely have accounts everywhere: you might have multiple 401ks, savings accounts, credit cards- it might feel like there’s too much going on as you juggle more logins than you can keep up with. Now these are tasks that don’t need to become ongoing obligations, but we do think they will help you make your personal finances more manageable. Whether it’s something as straightforward and practical as making some tweaks to your budget or if it’s the beginning of a season of reevaluating your life goals, we have a number of tasks that will allow you to spring clean your finances.


    During this episode we enjoyed a classic: Saison Dupont by Brasserie Dupont! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Paying Off a Million Dollars of Debt with Naseema McElroy #493 Mar 28, 2022

    Today we are joined by Naseema McElroy! Naseema is an RN with a master’s degree in healthcare administration, who also founded the website Financially Intentional and launched the podcast, Nurses on FIRE. Both of these resources exist to help nursing professionals achieve a sense of financial freedom in their lives. Given the demand for healthcare workers, there are a lot of career opportunities available so we’re excited to touch on that. Naseema also wrote the book, Smart Money, to give folks a step-by-step plan to crush their debt. But most impressively- Naseema has paid off over one million dollars of debt which doesn’t even seem possible- don’t worry, she explains her story! She details how she climbed out of massive debt as a single mother, the turning point in her journey towards financial independence, nursing as a cheat code to earning more, keeping lifestyle inflation in check, and much more.


    During this episode we enjoyed a Dosvidanya Rye Barrel by Destihl Brewery! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Annoying Tipping Trends, Dumb ARM Mortgages, & Family Plans Forever! #492 Mar 25, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: please send us a voice memo of your best money tip to be featured on episode 500, medical debt officially dropping off credit reports, WTD with your $3,000 tax refund, buyers going on strike, annoying tipping trends, whether grocery delivery is good for your money, dumb ARM mortgages, buy now pay later at the pump, the right to know earnings for degree programs, transparent college pricing, & cell phone family plan pricing forever!


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Busting Some Credit Score Myths #491 Mar 23, 2022

    You know you can’t believe everything that you read on the web, right?! There are all sorts of myths, half truths, and straight up lies that can not only make us look foolish were we to believe them, but they can also separate us from our hard earned money and cause us financial harm. And it turns out there are a number of myths that pervade how many think about their credit scores. Some of this confusion has to do with the fact that different lenders reference different scoring models, so it’s tough to know exactly what is going on underneath the hood. But in addition to that there is flat out wrong information floating around that has an impact on how we view these mysterious three digit numbers- our credit scores. Listen as we tackle some popular credit score myths head on, and explain what you actually need to do in order to maintain a healthy credit score.


    During this episode we enjoyed a Hello World by Spyglass Brewing- a big thanks to Gary over at The Fat and Broke podcast for donating this one! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - A Bachelorette Party Frugal or Cheap, Short-Term Job Financial Considerations, & if a Bigger Downpayment Makes Sense #490 Mar 21, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - What should be my top financial priority when I know my job is only guaranteed for a year?

    2 - Should I make a larger down payment in order to keep my mortgage below 25% of my monthly budgeted expenses?

    3 - Am I being frugal or cheap if I’m willing to skip my friend’s bachelorette party?

    4 - I’m thinking about converting my primary residence into my first rental property to rent to a friend- what should I keep in mind?

    5 - How do I get my HOA to start investing the building’s reserve funds?


    During this episode we enjoyed an Aspect Ratio by Spyglass Brewing- a big thanks to Gary over at The Fat and Broke podcast for donating this one! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Rate Hike Repercussions, Thieves Targeting Your Car, & Password Sharing Crackdowns #489 Mar 18, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: send us your money tips, rate hike repercussions- what it means for mortgages and credit cards, commercials make a comeback on streaming, password sharing crackdowns, housing bidding wars, waiving contingencies, Tom Brady’s game winning football, NFTs getting hammered, thieves targeting your catalytic converter, going with electric vehicles to opt out of rising gas prices, fly now pay later, and medical debt potentially dropping off of your credit report.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Getting Rich vs Building Wealth #488 Mar 16, 2022

    Would you ever pick up the habit of smoking in order to lose some weight? After all it is effective- by lowering your metabolic rate and reducing your appetite you’re bound to shed a few pounds. It sounds like a quick fix worth considering, but ultimately we hope that this isn’t something that you would do because everyone is well aware of the longer-term health consequences of smoking. The downsides are too severe. But we think this is exactly what is happening when you prioritize getting rich over building wealth. Sure there will be some short-term goals and lifestyle improvements that you’ll be able to make, but the long-term effects of pursuing a lifestyle like this are ultimately going to undermine your financial foundation. Listen as we talk about the differences between getting rich and building wealth. We also highlight some unhealthy behaviors that we might be tempted towards, in the pursuit of riches. And then finally we discuss how it is that we can actually build our own wealth.


    During this episode we enjoyed a Tropicalia by Creature Comforts! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Straightforward Advice to Lower Your Tax Bill with Shannon Weinstein #487 Mar 14, 2022

    How concerned should I be about getting audited? How much should my business make before I file as an S Corporation? Is there a free accounting software option out there? These are just a few of the questions we have for our guest today, Shannon Weinsteen. Shannon is a CPA, coach, and mentor for small business owners who want more perspective and less paperwork when it comes to their finances. Her company, Fitnancial Solutions, offers tax strategy and fractional CFO services delivered from the heart of a teacher who values connection and authenticity. Shannon’s real-life relatable examples make the financial side of business less daunting so you can focus on serving your customers and making money. She is the host of the Keep What You Earn podcast and we’re excited for you to hear some straightforward advice to lower your tax bill.


    During this episode we enjoyed a Quantum Desolation by Little Cottage! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Paying Less at the Pump, Fatter Paychecks & Flocking to FIRE #486 Mar 11, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: capital gains taxes even if you didn’t sell, paying less at the pump, the best credit cards for cashback at gas stations, IRS refund tracker, living paycheck to paycheck on six figures, folks flocking to FIRE, higher costs for childcare, date nights on the cheap, fatter paychecks, and eating organic for less.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Sneakier Scams Targeting Younger Folks #485 Mar 09, 2022

    Scams are kind of like zombies. The formerly popular TV show The Walking Dead is set in a sort of zombie apocalypse and was filmed here in Atlanta. But like zombies, the scams never stop and there seems to be a never-ending litany of folks who are trying to get their hands on our money. It truly is a serious problem- the FTC received 5.7 million reports with a total of $5.9 billion lost to scams in 2021! And on top of that scammers have gotten really sophisticated and are specifically targeting younger folks by using platforms like social media or dating apps and targeting Venmo balances and crypto holdings. Listen as we discuss a number of different sneaky scams that are targeting a younger generation, how they work, and then what you can do to protect your money.


    During this episode we enjoyed an Electric Venom by Little Cottage! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Debit Reward Cards, Unexpected Tax Bills, & A Listener Has a Bone To Pick With Our Car Buying Formula #484 Mar 07, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - I disagree with y’alls car buying formula- surely you guys wouldn’t be cool with me buying an $80k car?!

    2 - Is it worth our time and money to meet with a comprehensive financial planner?

    3 - What are the benefits of an ABLE account and which states offer the best plan?

    4 - The dividends and gains I’ve experienced in my portfolio have dramatically increased my tax liability- what can I do?

    5 - Should I use a debit rewards card to earn cashback on my monthly rent?


    During this episode we enjoyed a Le Petit Prince by Jester King! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - When the Price is Wrong, DIY Healthcare, & Being Forced to Take Out a Loan #483 Mar 04, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: an investing strategy while a war is raging, when the price is wrong, shrinkflation and incessant fees, being forced to take out a car loan, finding an affordable rental car, financial literacy that sticks, and DIY hearing and vision test apps.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Treat Yo Self Without Breaking the Bank #482 Mar 02, 2022

    It’s time to go Parks-and-Rec on this episode and talk about treating yo self while still being a responsible adult and not breaking the bank. There’s nothing wrong with the occasional treat- we all want to be able to splurge every now and again. But we also need to make sure that we’re not going overboard to the detriment of our financial health. Companies are waging war against our credit cards and checking accounts with advertising agencies at their sides. Our attention has been hijacked by marketers and this often leads to us buying more stuff that we don’t actually need. Couple that with rising prices due to inflation and higher levels of consumer debt and we realize that it’s going to take a healthy combination of wisdom, discipline, and intentional spending. Listen as we tackle all of this and as we propose some rules that will help us to be effective, but not excessive when it comes to treating ourselves.


    During this episode we enjoyed a Cherry Livelihood Jackie O's! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Freelancing Like a Pro & Sifting Through Financial Baggage with Paco de Leon #481 Feb 28, 2022

    Our mental state has so much to do with how we handle our money- this is one of the many things we talked about with Paco de Leon. Paco founded The Hell Yeah Group which is a financial firm focused on inspiring creatives to engage with their personal and business finances. She started this work after her experiences in small business consulting, financial planning, and wealth management. Paco’s work has been featured in The New York Times, Forbes, and NPR and her new book “Finance for the People” was published earlier this month. Not only is she the author, but Paco is also the illustrator- her drawings do a fantastic job driving home the different points she makes in her book so we’re recommending it for all the visual learners out there. During this episode we talk about what Paco learned from being a debt collector and her time in the marijuana industry, what it takes to be a creative freelancer, the role our emotions play, how she keeps her consumption in check, and plenty more!


    During this episode we enjoyed a Lager Hell Rugenbrau- a big thanks to Julia for donating these delicious beers to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - 401k Millionaires, Cities with the Worst Traffic, & the Equifax Settlement FAIL #480 Feb 25, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: medical tourism leading to an in vitro fertilization win, the S&P has entered correction territory, US cities with the worst traffic, bike buses dominating the road, money as a hobby, the Equifax settlement FAIL, BlockFi and how you should approach stablecoins, the rise of crypto trading fees, 401k millionaires, & a new airfare subscription.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Is Capitalism A Force For Good? #479 Feb 23, 2022

    Sure you’ve heard the term- you know that capitalism is the primary economic system here in the United States, but is it the best option? And especially as of late, capitalism seems to be getting dragged through the mud. Depending on what you’re reading and who you’re listening to, you might be beginning to think that capitalism is the worst! However, we believe it’s actually a force for good and is an idea and concept that many fail to appreciate. Similar to the undervalued baseball players that Billy Beane scouted for the A’s to turn around their club, or something as simple as dental floss when it comes to taking care of your teeth- capitalism isn’t sexy, but it gets the job done. While we don’t think it’s the perfect solution, we’re going to spend this episode breaking down capitalism, why we think it works, and then what this means for us as individuals.


    During this episode we enjoyed a Bourbon Barrel Brick Kiln by Jackie O’s! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Frugal or Cheap: Meal Kit Edition, What Happens to Unused 529 Plans, & Inherited Real Estate Taxes #478 Feb 21, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - Should I pay my statement balance or my current balance, and what’s the difference?

    2 - What happens to money that is in unused 529 plan?

    3 - Am I being Frugal or Cheap by hacking the meal kit delivery service promotions?

    4 - Does it make sense to wipe out my student loans if it means it’s going to wipe out my savings?

    5 - I’ve inherited a house- should I rent it as an investment property or just go ahead and sell it?


    During this episode we enjoyed a Peanut Butter & Jelly by Edmund's Oast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Emoji Investing, Crypto Tax Refunds, & When Buying Used Costs You More #477 Feb 18, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: whether or not everyone should have a HELOC, used cars costing more than new, direct to consumer cremations, taking 36 months to pay for a cell phone, investing in emojis, cryptocurrency tax refunds, why high interest savings rates really aren’t that high, & credit card ‘thank you points’ vs cashback.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Buying or Renting in an Insane Housing Market? #476 Feb 16, 2022

    Whether you’re a fan of karaoke or not, it’s probably not a huge deal for you to stand up in front of some friends and belt out a favorite song of yours from highschool- maybe some Hootie & the Blowfish or a Kelly Clarkson hit. You might be a little nervous but you’re not going to give it too much thought. But now imagine having to sing that song in a stadium full of people. Things are going to be a bit different aren’t they?! You’re likely going to be much more nervous because the stakes are a lot higher! Well similarly, the stakes are higher than ever when it comes to finding the right housing for you. Prices have gone through the roof whether you’re renting or looking to buy. The typical American homeowner saw a gain of $50,000 of home equity in 2021- that’s insane! With the stakes so high, we’re going to weigh in with our thoughts about how you should proceed if you’re not sure whether you should keep renting or take the plunge into homeownership.


    During this episode we enjoyed an El Cedro by Jester King! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Relational Money Help with Financial Therapist Ed Coambs #475 Feb 14, 2022

    Happy Valentine’s Day! This is a timely episode with it being February 14th and we’re really excited to be talking with financial therapist Ed Coambs. Ed is an internationally recognized leader in financial therapy who has been cited by the Wall Street Journal, the AP, Time, and CNBC. And he has the credentials as well- he earned his master's degrees in business, counseling, and financial planning and is a licensed marriage and family therapist, certified financial planner, and certified financial therapist. Ed leads couples through therapy from financial despair and frustration into financial intimacy and connection, by helping them figure out and understand what’s really going on. And we discuss some of the concepts in his book as well: “The Healthy Love & Money Way”. In the book he explains where our attitudes toward money stem from, and what we should do about it. We discuss attachment styles, common relational money issues, financial infidelity, and more during this episode.


    During this episode we enjoyed a Lilt by Grimm Artisanal Ales! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - A Prime Pricing Hack, Discount Airlines, & Early Retirement Idiocy #474 Feb 11, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: thousands in student aid left on the table, employer student loan assistance, inflation and prices remain high, employees care less about money and more about time, early retirement idiocy, a healthier view of work, avoiding the prime membership rate increase, & whether discount airlines joining forces is a good thing.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Crashes, Corrections, & Your Reactions #473 Feb 09, 2022

    There’s a big difference between knowing that you could be involved in a car accident, and then actually getting 5 car pile up. Of course you know it’s a possibility, you have the head knowledge that you should be careful and alert, but it’s another thing completely to have experienced it firsthand. The same thing can be true when it comes to investing in the stock market- we know that occasionally there are going to be corrections, but until we actually experience those downturns ourselves, we’re not totally sure how we’re going to react. Our fear and emotions might cause us to do something we’d later regret. And lucky for us we recently had a downturn in the market so now is a great time to talk about what we can learn from the past, what is currently going on with the stock market, and what we can do to prepare for future volatility.


    During this episode we enjoyed A Force for Good 2021 by Creature Comforts- a big thanks to Nathan for donating this delicious beer to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - WTD After Doubling My Salary, A Spending Conflict With My Partner, & Inherited Stock From Grandparents #472 Feb 07, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - I’ve doubled my salary- what should I do next?!

    2 - My partner spends way more money than I do and it’s stressful- how do we resolve this conflict?

    3 - How do I go about giving a gift to my niece that will teach her about personal finances?

    4 - Is there a way I can save for college while keeping that expense low?

    5 - Should I sell some individual single stocks that my grammy used to give me?


    During this episode we enjoyed a Bird Brains Blackberry Boysenberry by Birds Fly South! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - 2 Week Test Drives, Micro-Philanthropy, & Scoring Cheaper Pizza #471 Feb 04, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: Kumiko Love book giveaway winners, hope you get rich!, internet nutrition labels, best consumer deals for February, Domino’s paying you to pick up your own pizza, inflation taking a bite out of the value menu, buh bye overdraft hello CoverDraft, getting charged more for renewable energy, the proliferation of financial advice and scams on social media, micro-philanthropy on the rise, 2 week test drives, using your tax refund to buy I Bonds, & why you might get a smaller tax refund this year.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Buying A Car the Right Way #470 Feb 02, 2022

    Some of the most important financial decisions we make are done infrequently. So because of that we feel a little rusty every time we perform that task. Buying a car is one of those infrequent decisions that can oftentimes blindside us if we’re not prepared. On one hand this can be an exciting time, but on the other it can be really nerve-wracking since the average person buys a car every six years. That’s plenty of time to forget how to do it by the next time you need to buy a car. And that problem is compounded by the fact that we’ve seen a huge shift over the past 18 months in pricing and purchasing dynamics. Supply chain issues have led to much higher prices! Since so much is at stake, it’s crucial that you take the proper steps to make sure you’re going about buying a car the right way.


    During this episode we enjoyed a Pothole City Rocky Road Stout by Pipeworks Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Proven Ways to Reduce Your Rent with Justin Pogue #469 Jan 31, 2022

    Let’s talk about ways to cut your rent! A recent stat showed that over 44 million American households are renters- that means there are more folks renting now than at any point since 1965. With increasing rents we felt that it was time to focus on some proven ways to reduce that monthly expense. Justin Pogue is our guest today and he’s an author and real estate consultant where he works with property management companies and investors. Since 2003, he has developed and managed apartments, rental homes, and student housing across the United States. ApartmentTherapy, Realtor.com, and FOX News have featured his insights, and we’re glad he’s now here with us on HTM to talk about ways to reduce rent. We talk about entering into a negotiation mindset, the best times of year to get a deal, putting yourself in the shoes of a landlord, protecting your deposit, and more!


    During this episode we enjoyed a Speltz Wrong by Dssolvr! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Stock Market Slump, Financial Infidelity, & 4-Day Workweeks #468 Jan 28, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: Kumiko Love book giveaway, what to do about the stock market slump, why ESG funds aren’t all that, 4-Day Workweeks on the rise, financial infidelity among Gen Z and Millennials, cell phones (good cheap ones, turning an old one into a security camera, & why you should keep it locked), & affordable generic prescription meds.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    How to KEEP Yourself Out of Debt #467 Jan 26, 2022

    Do you remember the Seinfeld ‘car reservation’ episode? It’s one of the best. Jerry gets to the car rental counter and they don’t have a car for him. He says “See you know how to take a reservation, you just don’t know how to hold the reservation. And that’s really the most important part of the reservation, the holding!” That’s what we’re talking about today because you might know how to get out of debt, but do you know how to stay out of debt? You might find yourself digging out of debt every year when January rolls around. Holiday spending has a habit of sneaking up on most folks and you might be dealing with that financial hangover right now. Listen as we tackle concepts like lifestyle inflation, stoicism, accountability, and other practices that will allow us to kick debt to the curb for good.


    During this episode we enjoyed an Empress Rising Mole by Birds Fly South! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Acorns Accounts vs Student Loans, Investing For a Wedding, & Babies on the Cheap #466 Jan 24, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - Should I continue investing in my Acorns account or pay off my student loans?

    2 - Where should I invest money for a wedding?

    3 - Does it make sense to deduct depreciation on real estate, even when the IRS recaptures that depreciation when I sell that property?

    4 - How do I go about converting a non-deductible traditional IRA to a Roth IRA?

    5 - As I have a little one on the way, can you share some of your money saving baby hacks?


    During this episode we enjoyed a Hatch Me Outside by Crosstown Brewing - a big thanks to Ben for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Pay Bumps, Cheapo Bikes, & Best Times to Travel #465 Jan 21, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: free Covid tests, Roth 401k options abound, the embarrassing issue of 401k leakage, the best way boost your income, employer matches on the rise, cheapo bikes that are made to fail, higher insurance rates, the best times to travel, & the time to refinance is now!


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Joel's $ Origin Story #464 Jan 19, 2022

    Better know a podcast host! Oftentimes here on the podcast we talk about our daily lives. We’ll share little ways that we’re saving money, or you get to hear about our curb alert scores, and we might even talk a little too much about how much we’re riding our bikes. So if you’ve been listening for a few years you might know a good bit about us- that happens after 463 episodes! But we’ve never done a deep-dive origin story on the show and what better time to do that than here at the beginning of the year. So during this episode you’ll get to learn all about Joel’s money origin story- favorite jobs as a kid, how a bankruptcy shaped his early perceptions of personal finance, switching colleges to avoid taking on more student loans, his splurge as a single professional, and pursuing financial independence through investing in real estate.


    During this episode we enjoyed a Woodland Pursuit by Humble Forager! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Affordable Home-Cooked Meals that are Good Enough with Leanne Brown #463 Jan 17, 2022

    We all have friends who have different specialties- different areas of expertise. For instance you know who to call if you need a plumber recommendation, or you know which friend has the best beach recommendations on the gulf- well Leanne Brown is our go-to person when it comes to eating really well, but for less. Leanne is our ‘friend in the kitchen’ and her New York Times bestseller “Good and Cheap” is now free and has been downloaded millions of times. And now her new cookbook “Good Enough” was just published last week- it’s a mix of essays, personal stories, and delicious recipes as she also acknowledges the fear and anxiety many have when it comes to cooking. She explains how eating great isn’t about expensive gadgets or ingredients, how we all need some low-effort meals in our repertoire, picky eaters, meal delivery services, and more!


    During this episode we enjoyed a BA Stout by Easy Chair Brewing Garage- a big thanks to Jess for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Invasive Inflation, Tax-Filing Advice, & Credit Bureau Ineptitude #462 Jan 14, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: the big tax-prep software companies opt-out of IRS Free File, 1 in 7 workers are now remote, invasive inflation on car and home taxes, crypto scams and celebrity lawsuits, buy now pay later counting towards your credit score, credit bureau ineptitude, debt repair companies are pointless, & the push to limit insider trading by members of Congress.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Matt's $ Origin Story #461 Jan 12, 2022

    Oftentimes here on the podcast we talk about our daily lives. We’ll share little ways that we’re saving money, or you get to hear about our curb alert scores, and we might even talk a little too much about how much we’re riding our bikes. So if you’ve been listening for a few years you might know a good bit about us- that happens after 460 episodes! But we’ve never done a deep-dive origin story on the show and what better time to do that than here at the beginning of the year. Especially as we’re likely welcoming some new listeners to the fold. So during this episode you’ll get to learn all about Matt’s money origin story- how he was taught personal finance principles, his money struggles growing up, why he shouldn’t have opened a Roth IRA, and how Downton Abbey helped Matt and his wife Kate discover financial independence.


    During this episode we enjoyed an Athena Paradiso Blackberry by Creature Comforts! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Investing 100% of Your Income, Pitfalls to Avoid when Switching Banks, & Self Employment Downsides #460 Jan 10, 2022

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - Is it a good idea, or is it even possible to invest 100% of my income in a Roth IRA?

    2 - I’m finally dropping the big bank that I’ve been with- what should I keep in mind?

    3 - Should I ladder my target date funds across multiple years or set it and forget it with a single fund?

    4 - What benefits am I missing out on by taking the self employed path?

    5 - Paying off my home mortgage or an investment property mortgage- which is the better move?


    During this episode we enjoyed a Really Green Street by Trillium Brewing - a big thanks to Ali for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - 2022 Predictions, No More Medical Bill Surprises, & Mandatory Vacations #459 Jan 07, 2022

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: signing up for a money challenge to jump-start progress, investing in IPOs and single stocks, everyone is substantially richer than they were a couple years ago, 2022 stock market predictions, hospital pricing transparency, no more medical bill surprises, where home prices are headed, & mandatory vacations.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    These Money Challenges Can Jump-Start Progress #458 Jan 05, 2022

    Few things change your life as much as finding out you're pregnant- it’s an exciting period of time, but it’s also slightly stressful! One of the reasons is because the clock is ticking and you know you’ve got less than 9 months to get your act together. It lights a fire under you and it’s an amazing period of transformation, for all parties involved! And similarly when it comes to our money, a special circumstance can often be the stimulus we need to make wiser financial moves, but what if it’s not enough? Or what if you don’t have any unique excuses to get your financial house in order? Well that’s where money challenges come in handy. Sometimes the reason that we’re not able to make any progress with our money is because we don’t have clear actionable steps that we can immediately take. Maybe you don’t have any accountability or you think it’ll be a load of drudgery. Whether you’re looking to spend less, boost your earning, or invest more of your money, this episode is all about jarring you out of your typical habits and routines. Sometimes what you need is a challenge that can serve as a wake up call to further you along in your financial journey.


    During this episode we enjoyed a Double Barrel Wild Sinister Kid by Trillium Brewing - a big thanks to Ali for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Taking Back Control of Your Financial Life with Kumiko Love #457 Jan 03, 2022

    With all the craziness we’ve experienced in our world recently, whether that was because of school shutdowns or rising prices due to inflation, it’s tempting to believe that we’re no longer in the driver’s seat. But our guest today, Kumiko Love, who is also known as the Budget Mom, wants you to know that you have more control over your life than you realize. Her new book “My Money My Way” comes out next month, where she helps readers identify a uniquely personal plan that you’ll stick with, which will allow you to crush your money goals. For Kumiko, one of those milestones she achieved was paying off over $77,000 of debt in just 8 months early on in her financial journey and she also recently purchased her dream home with cash! During this episode she shares how you can take the experience and principles she learned, in order for you to take back control of your financial life.


    During this episode we enjoyed a Double Dry Hopped Stillings Street by Trillium Brewing - a big thanks to Ali for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Tempting Investing Mistakes, Dumb Millennial Millionaires, & Making Personal Finance Funny #456 Dec 31, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: if reusing return envelopes is frugal or cheap, the best credit card sign-up bonus available, an investing mistake to avoid if you’re considering entrepreneurship, avoiding single stock investing at all costs, crypto millennial millionaires, & making personal finance funny with Joe Saul-Sehy as we discuss his brand new book, Stacked: Your Super‑Serious Guide to Modern Money.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Financial Festivus: Celebrating Listener Money Wins #455 Dec 29, 2021

    LET’S PARTY! A financial festivus is in order here at the end of the year and we’re excited to share a bunch of listener wins from the How to Money community. Unfortunately at times we can be overly driven to the point that we fail to celebrate milestones. And when we achieve something great and move right on from it, we lose something in the process. Celebrations improve our well-being, they’re fun, and can provide inspiration for others. So during this episode we share a couple of our personal money wins, but then we have a chance to hear from listeners who have paid down credit card debt, massively boosted their savings rate, purchased their first home, started house hacking for the first time, taken their side hustle full-time, invested insane amounts of money, & more. Thank you to everyone who shared their money wins and we’re excited about what 2022 has in store for the HTM community!


    During this episode we enjoyed a Coconut PM Dawn Trillium Brewing - a big thanks to Ali for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM – Selling Tesla Stock to Buy a House, Roth vs Traditional 401k, & Volunteering My Financial Knowledge #454 Dec 27, 2021

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - Should I save my money in a regular savings account or invest that money in the market if I want to buy an investment property?

    2 - What should I do with a bunch of Tesla stock that I’m planning to use as a down payment for our home?

    3 - Does it make sense for me to own my duplex under a new LLC that I could create?

    4 - Is it a better idea for my employer to match a Roth or Traditional 401k?

    5 - As I’d like to coach and teach others about money, where can I go to volunteer my financial knowledge?


    During this episode we enjoyed a Three Philosophers by Brewery Ommegang- a big thanks to our friend David for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - The Most Reliable Rides, A Build Back Blow-Up, & Should We Gift Crypto? #453 Dec 24, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: should we be gifting crypto, steps to take as interest rates are on the rise, a build back better blow-up, advance child tax credits are over, student loan moratorium has been extended, egregious subscription costs from car manufacturers, the most reliable rides, millennials are writing their wills, & an easy way to renew your passport.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Putting Money in its Proper Place #452 Dec 22, 2021

    Having a glass of wine most days can be a healthy activity that we incorporate into our lives. Many studies have concluded that the moderate consumption of wine doesn't have negative long-term effects while simultaneously it could be beneficial in providing antioxidants as well as protecting against heart disease and inflammation. But, if that habit goes unchecked it could take on a tyrannical component in our lives if we’re not careful, and it could lead to severe consequences. The same is true with our money. And so on the show today we are de-emphasizing something that is at the very core of our show! We believe that money is a helpful and necessary tool, but we also believe that beyond a certain point, more money isn’t going to solve all of our problems. And in fact, money is only one component of our overall health and happiness levels. So during this episode we cover the struggle between achieving financial health and many of the other different facets of overall health like our physical, mental, social, and spiritual aspects as well. And then we end with a litmus test to help you determine if you have placed money in its proper place in your life.


    During this episode we enjoyed a Hay-Z by Temblor Brewing - a big thanks to Ryan and our friends there at the brewery for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Investing Lessons From a Gambling Pro with Chris Hanna #451 Dec 20, 2021

    What does it take to become a professional gambler? That’s the overarching question we’re asking our guest today: Chris Hanna. Chris graduated with a degree in finance and economics, but then he turned down a solid job on Wall Street in order to become a legit blackjack player. Less than 24 hours after he graduated, Chris hit the road and began counting cards for a living. And of course we believe that investing is a far cry from gambling, but a lot of folks are treating them more similarly than they’d like to admit. So where should we draw the line between gambling and investing? During this episode we unpack Chris Hanna’s story, talk about his shift to personal finance, and share how we can strategically use our money to build an exciting life.


    During this episode we enjoyed an Almond Brown Ale by Temblor Brewing- a big thanks to Ryan and our friends there at the brewery for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight – Secondhand Gifts, VTSAX, & We’re Giving Away $1,000! #450 Dec 17, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: the $1,000 Cash Giveaway/Giveaway, USPS shipping deadlines, killing the taboo of secondhand gifts, risky investments impacting our mental health, VTSAX reigns supreme, government leaders insider trading, best places to live if you only care about money, have yourself a merry little i bond, inflation vs your brain, & financial literacy on the rise!


    ***And to enter for a chance to win during our $1,000 Cash Giveaway/Giveaway:***

    • Just follow @HowToMoneyPod on Instagram
    • Like the giveaway post
    • Tag 2 friends and comment how you’d give that money away if you win- and that’s really all it takes! Note that there’s only 1 entry per person and you have until 12pm on December 21st to enter the giveaway. We’ll announce winners during the episode that'll publish Wednesday December 22nd.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Is Inflation Making us Crazy? #449 Dec 15, 2021

    Higher prices and inflation are all over the headlines and you might be wondering how concerned you should be. Unfortunately this is one of those times where you might be tempted to overreact as you try to take control of a situation. It makes us think of when someone is diagnosed with cancer- yes there are instances where you need to immediately treat it, but there are also cases where it’s best to not take any drastic measures and instead just monitor the situation. We want to avoid the kneejerk reaction and the ‘just do something!’ mindset, when instead there are other steps we should be taking. So that’s what we’re talking about today- why we’re experiencing high inflation, how concerned we should be, and then the many different steps that you should consider in order to keep yourself from freaking out over inflation.


    During this episode we enjoyed Chocolate Pecan Porter by Temblor Brewing- a big thanks to Ryan and our friends there at the brewery for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Cryptocurrency Tax Moves, Savings in a Robinhood Account, Frugal or Cheap: Family Edition #448 Dec 13, 2021

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - How do we direct our kids' attention away from toys and towards faith and the deeper meaning of the holiday season?

    2 - All my savings are in Robinhood- what should I do?

    3 - Is it frugal or cheap to regularly drink the free coffee in the leasing office of my apartment complex?

    4 - Does the wash-sale rule apply to cryptocurrency and how long can I carry those losses forward?

    5 - Should some extra money go into my 401k or into i bonds instead?


    During this episode we enjoyed an IQ IPA by Akademia Brewing- a big thanks to Nathan for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Teenage FIRE, AI Credit Scores, & A New Reason to Hate Gift Cards #447 Dec 10, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: reaching FIRE in your teens, crucial life lessons from entrepreneurship, ghosting new employers, when it’s finally time to QuitTok your job, a new reason to hate gift cards, debt collectors on social media, AI credit scores, & how trip insurance works with Omicron.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Investing in NFTs, Whiskey, & Farmland: Sane or Stupid? #446 Dec 08, 2021

    Please take a moment and just think of all the different diets that you’ve heard of- South Beach, Paleo, Whole 30, juice cleanses, Keto and intermittent fasting. There’s always a new fad just around the corner in the dieting space. And while we’re not experts in the realm of nutrition, we do know that a healthy balanced diet is what you should be striving after. And while there are some helpful elements with these different diets, if you take any one of them to the extreme it’s going to harm your body. And the same is definitely true of your finances- especially when it comes to investing. We’ve seen a rise of alternative investments over the past decade and the last few years have seen a flurry of new platforms giving you new and exciting places to invest your money. But are they a good way for you to invest your money or are they another fad that will lead you astray? During this episode we talk through the pros, the cons, some of the more popular platforms out there, and then how you can incorporate alternative investments into your portfolio.


    During this episode we enjoyed an Imaginary Grace by Monday Night Brewing- a big thanks to Brian and our friends there at MNB for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Hack Your Home & Live For Free with Craig Curelop #445 Dec 06, 2021

    Today we’re talking with our friend Craig Curelop about the magic wealth building technique of house hacking. Back in 2017 Craig had a negative net worth of $30,000. But by implementing different tactics to earn more, spend less, and invest the difference, he was able to reach financial independence two years later in 2019. And of course house hacking played a major role in Craig’s rapid ascent towards financial freedom. We cover all the ins and outs of house hacking and we discuss the different house hacking methods because there are a variety of options that you could go with as some of that depends on your personal situation like if you’re single or if you have a family. We’re going to cover what you need to know, before you start house hacking your way to financial freedom.


    During this episode we enjoyed a JOGR from Reformation Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Unprepared Borrowers, Unconscionable Bank Fees, & Uplifting Tax Strategies #444 Dec 03, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: bookshelf raid giveaway winners, send in your listener money win voice memos, why you should avoid holiday credit card debt, opting out of prescreened credit card offers, what to do if you’re not ready to resume student loan payments, Ohio State eliminating student loans, best wireless deals, Wells Fargo is the worst, a higher standard deduction for 2022, the most tax-efficient way to donate money, & how much Mariah Carey makes on a single song over the holidays.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    The Weird Science Behind Your Irrational Money Decisions #443 Dec 01, 2021

    Randomly ask any of your friends how often they check their phone, and most will probably say something like 20-30 times, maybe 50 times a day. Yet stats show that ⅔ of Americans unlock their phone over 160 times a day. Luckily screen time and other similar apps can help us to understand that there is a big difference between what we think that we’re doing and what we’re actually doing. As humans we’re not the most rational and self-aware beings. We often believe that we’re incredibly objective but it probably depends more on the day of the week, how hungry we are, and who we’re talking with. But we believe that by understanding and naming some different behavioral science and economic terms, that we can better realize our tendency to make irrational gut reactions and think differently about how and why we make decisions in the first place.


    During this episode we enjoyed a Volume Integral by Pontoon Brewing- a big thanks to Miguel for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Buying a Home to Fight Inflation, Ethical Conundrum By Receiving Co-Pay Assistance, & Financial Priorities After Having a Baby #442 Nov 29, 2021

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - Should I invest in my new side business or use that money to max out my Roth IRA?

    2 - Is it unethical for me to accept financial assistance from a pharmaceutical company if we don’t really need the support?

    3 - In order to pay for a wedding, is it OK to take some money out of an investment account?

    4 - We’d like to buy a house in order to fight inflation- is this a good idea?

    5 - What financial priorities should we focus on now that we’ve had a baby?


    During this episode we enjoyed a 5th Anniversary Hill by Southern Grist! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Christmas Tree Inflation, Headphone Trends, & Asinine Hospital Bills #441 Nov 26, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: raising deductibles to save on premiums, raid our bookshelf, crypto in the vernacular, Christmas tree inflation, keeping your head on Black Friday, bucking consumption trends, a massive right to repair win, a tanking market in 2022, going with an EV to save money, & how to avoid arbitrary asinine hospital bills.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Stop Money Arguments In Their Tracks #440 Nov 24, 2021

    Wouldn’t it be nice if you never had a disagreement about money with your partner ever again? Oh the bliss! Even just imagining this conflict-free future might be causing the tension in your shoulders to relax or that headache to fade. Unfortunately, that’s a paradise that’s lost and not something we can promise! Since most Americans report having major conflicts concerning money, it’s important to engage in healthy ways so that we avoid destructive patterns in our relationship as well as with our money. We want to work towards not only growing our wealth but growing and strengthening our relationships as well. During this episode we cover some of the common patterns of arguments we often hear about and what to do about those arguments. We also offer some tips that we believe will allow you to keep simple disagreements from escalating into knock-down-drag-out money fights.


    During this episode we enjoyed an HDHC CananDANKua by Other Half Brewing- a big thanks to Jason for sending this one our way to enjoy! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    A Very Merry Minimalist Christmas with Meg Nordmann #439 Nov 22, 2021

    Today we have the pleasure of speaking with Meg Nordmann who is the author of “Have Yourself a Minimalist Christmas: Slow Down, Save Money, & Enjoy a More Intentional Holiday”. With the holidays quickly approaching, we can often find ourselves wondering where all of our time, and money is running off to- but Meg wants to change that with her approach to minimalism. Her book presents strategies to help us to resist the clever marketing and cultural expectations that this season often brings. We talk about Meg’s own history with consumption, the relatively new history of Santa, how she approaches gift giving with her children, convincing extended family to give fewer gifts, and how she creates a minimalist calendar around the holidays.


    During this episode we enjoyed an Empire of Eternal Nothingness by Burial! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Robots, Rent Control, & Taylor Swift #438 Nov 19, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: Joel’s first homeowners insurance claim, budgeting for Christmas, what we can learn from Taylor Swift, combating rising prices, most NFTs are worthless, old cell phones are getting bricked in 2022, the impact of robots on the labor market, & the unintended consequences of rent control.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    When to DIY or Hire a Pro #437 Nov 17, 2021

    To DIY or not to DIY… you can almost hear that being said in the voice of Hamlet (the Kenneth Branagh Hamlet not the Mel Gibson one, of course.) But while this question is not nearly as existential as the one Hamlet poses, it’s one that we all increasingly find ourselves asking. On one hand you DIY everything in order to save as much money as possible and in the process you also gain a tremendous amount of knowledge- but do you have enough time to live your life? And on the other hand you outsource and hire a pro as often as you can and for the most part you know that the job is being expertly performed by a professional- but do you have enough money to live your life? So we’re establishing a helpful framework for you to make better decisions in today’s episode. We’re focusing on better decisions because there isn’t going to be a right or wrong answer. That’s up to us as individuals and our own specific situations, but we can all go about asking ourselves the right questions when it comes to whether we should DIY or hire a pro.


    During this episode we enjoyed a Bell’s Two Hearted Ale- a big thanks to Chris and all of our friends at the brewery for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Frugal or Cheap with a Disappointed Daughter, Awkwardness in Combining Finances with a Partner, & Balance Transfer Cards for Large Expenses #436 Nov 15, 2021

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - My daughter doesn’t like the helmet I bought for her that was on clearance - frugal or cheap?

    2 - How do I overcome some awkwardness as my partner and I combine our finances?

    3 - Should I be looking to just get the match or should I max out my employer provided 401k?

    4 - Does it make more sense for an older family member to draw on retirement accounts before social security?

    5 - Is using a balance transfer credit card a good idea for a large expense I have coming up?


    During this episode we enjoyed a Bell’s Two Hearted Ale- a big thanks to Chris and all of our friends at the brewery for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Zillow’s Implosion, Your Office Beckons, & the 401(EXTRA)k #435 Nov 12, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: YNAB raising rates, the 401(EXTRA)k, your office beckons, negotiating higher pay, entrepreneurs are happier, cutting a vehicle with e-bikes, senior citizens and crypto holders getting scammed, millennials love DIY investing, active managed funds disappointing performance, Zillow’s implosion, the future of iBuying, & how to go about refinancing.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Think Twice Before Investing #434 Nov 10, 2021

    Investing isn’t as simple as just throwing some money in the market and crossing your fingers. Yes, we do want you to invest. And yes there’s a chance you could probably invest more than you currently are. But there are a host of additional considerations that we want you examining before you open a brokerage account on your phone, initiating a transfer, and hitting purchase. Do you know what you’re investing in? Can you easily explain it to a friend? How do you feel about volatility, fees associated with that investment, illiquidity, and your time horizon? We like to think of it like taking a road trip- there are a number of things to do keep in mind like: do I know where I’m going, does my boss know I’m taking time off work, how long am I going to be gone, and can my car even handle a road trip of this magnitude? We’re not trying to dissuade you from investing, but we do want you to think twice before investing.


    During this episode we each enjoyed an Emergency Drinking Beer by Wild Heaven! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Retire Sooner and Increase Your Happiness Now with Wes Moss #433 Nov 08, 2021

    How necessary is money in order to be happy? That’s one of many questions we’re asking our guest today- Wes Moss. Wes is the host of his own podcast “Retire Sooner” as well as “Money Matters”, the country’s longest-running investment radio show. During this episode we learn about his childhood growing up alongside the Amish, and how that piqued his curiosity as he began writing and researching for his latest book, “What the Happiest Retirees Know”. Wes starred on the Apprentice, is a father of four, and is now the Chief Investment Strategist at Capital Investment Advisors which is a fee-only investment firm w/ over $2.8 billion in assets under management. But during this episode we’re going to really focus on the specific habits that we need to begin cultivating now in order to lead happy and fulfilling lives.


    During this episode we enjoyed a Fantasia by Upright Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Savings to the Moon, Dodging Debt Collectors, and One Stingy Shaq #432 Nov 05, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: we’ll see you at Monday Night Garage tonight, savings rates to the moon, Series I Savings Bonds paying over 7%, credit card debt leading to poor physical health, dodging debt collectors, gig companies under fire, sustainable investing scams, female investors outperforming their male counterparts, and one stingy Shaq.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Squid Game Money Lessons #431 Nov 03, 2021

    *No spoilers contained* We’re not going to make it a habit of dissecting the nuggets of personal finance wisdom that we can glean from popular shows or movies, but that just depends on the show. And in the case of Squid Game, there were way too many money lessons calling out to us to ignore. Personal finance is a fundamental aspect of our lives but oftentimes it’s an area that gets shunted to the side when it comes to the entertainment we consume- that certainly wasn’t Squid Game’s approach. Money is front and center, and even though we’re not going to dive into the specifics of the show and give away any details, there are still a ton of different lessons that we can learn. And the best part if you’ve trimmed Netflix from your monthly budget- you don’t have to be a fan of the show in order to appreciate this episode!


    During this episode we each enjoyed an Alpha Abstraction IPA Vol 18 by Wild Leap! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Paying for Medical Tourism, Best Ways to Use an HSA, & Investing in Local Businesses #430 Nov 01, 2021

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - How should I go about paying for some medical tourism?

    2 - Was my mom right for being upset when her credit card limit was increased?

    3 - What steps should I take if I want to invest $5,000 locally in my community?

    4 - As we’re enrolling in a Dependent Care FSA (Flexible Spending Account), what should we consider?

    5 - Should I use my HSA (Health Savings Account) funds to pay for medical expenses or to invest?


    During this episode we enjoyed a SchmoojeeBox by Imprint Beer Co! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Buy Nothing Groups, Student Loan Forgiveness Made Easy, & @jack Cries Hyperinflation! #429 Oct 29, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: how you should come have beers with us in Atlanta, Buy Nothing groups to save, work stress leading to overspending, new car prices at all time highs, the solution to sky high car payments, “We’ve been trying to reach you about your car’s extended warranty”, Florida man wins the lottery, @jack cries hyperinflation, bots scooping up scarce Christmas gifts, student loan forgiveness made easy, & what to do about federal student loan transfers.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Facing Down Our Spookiest Money Fears #428 Oct 27, 2021

    Fear is an emotion that is hard-wired in us as humans, and so we naturally want to avoid the things that frighten us. But the biggest problem with this survival instinct is that there are times when we must face these fears in order to move forward and get ahead in life. We have a natural desire to avoid pain but if we don’t address it head-on, it’ll often lead to worse pain and problems down the road. This is often true when it comes to relationships, with our physical health, and it’s definitely true when it comes to our money. It’s a serious issue when we let fear get in the way of taking action. During this episode, with Halloween just around the corner, we cover some of the most common money fears that lurk in the back of our minds, and how to face them down in order to get one step closer to financial freedom.


    During this episode we both enjoyed a Hopfenweisse by Schneider Weisse- a massive thanks to Zach for sharing these with us! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Raising Financially Savvy Kids with Liz Frazier #427 Oct 25, 2021

    It’s time to do a deep dive on raising financially savvy kids! We’re joined by Liz Frazier who is a fee-only, Certified Financial Planner and she is also the author of “Beyond Piggy Banks and Lemonade Stands: How to Teach Young Kids About Finance.” Liz is all about kids and finance, and to get specific, it was when Liz was pregnant with the first of her three children that she was setting up a 529 acct and preparing her will, that everything clicked. That’s when she realized that she wanted to be a financial planner because, like so many new parents, she realized the overwhelming need to make sure her family was financially prepared. And raising children who are equipped with financial knowledge is an important part of that role as a parent. During this episode we talk about having money conversations that stick with our kids, the way Liz does allowance with her 3 kids, how to get kids excited to save, spend, and share, among many other helpful topics.


    During this episode we both enjoyed an Baerlic Beer Co Pioneer Fresh Hop ESB- a massive thanks to Brandon for sending us these beers that were fresh off the vine! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Bricked Phones, Shadow Inflation, & Earning More Without A Degree #426 Oct 22, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: a recipe generator based on whatever you have on hand, inflation spurring us to reconsider buying habits, shadow inflation, childcare worker shortages, the great resignation leading to your ability to negotiate higher pay, lost money in holiday gift cards, bricked phones via planned obsolescence, expensive TVs, the worst student loans available, & earning more without a degree.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ownership is THE Key to Wealth Building #425 Oct 20, 2021

    Now, we’re not guaranteeing that this episode is going to change your life as much as holding a brand new baby in the hospital changed our perspective as new fathers- but it might! There are times when our worlds are completely rocked and we feel that the concept of ownership and the way that we discuss it during this episode has the potential to radically change the trajectory of your journey to financial independence. After this episode you’ll know the difference between making a purchase or making an investment, how saving money can actually make you poorer, and some of the different ways you can become an owner. And then finally we discuss what it takes for you to realize wealth building through ownership.


    During this episode we enjoyed a Money Blend by American Solera- thanks to James for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Maximizing Tuition Reimbursement, Bank Account Bonus Requirements, Using a HELOC to Pay Off a Mortgage, & More... #424 Oct 18, 2021

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - How do I get around direct deposit requirements to score a higher savings interest rate?

    2 - Do y’all have credit card recommendations for a young, new credit card user?

    3 - What steps should I take in order to rebuild my credit?

    4 - I receive tuition reimbursement from my employer- what is the best way to maximize this benefit?

    5 - Should I use a HELOC and my emergency fund to pay off my mortgage early?


    During this episode we each enjoyed a Beneath the Tide of Relative Impermanence by Burial! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Winter Budget Busters, Housing Market Chill Pills, & Dying Ain’t Cheap #423 Oct 15, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: we got new life insurance policies, slower more expensive mail, finding the most affordable shipping options, Allstate tracking drivers, bosses monitoring employees, housing market chill pills, dying ain’t cheap, winter budget busters due to higher energy costs, contagious commerce, & free money in 529 plans.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Getting Your Money Etiquette Right #422 Oct 13, 2021

    Joel doesn’t like to eat at fancy restaurants- not only because paying a ton of money isn’t his jam, but also because there are all these rules of etiquette that fine diners are just supposed to know. What’s he going to do with that 3rd fork anyways?! The same is often true when it comes to our money and the social situations we find ourselves in. Splitting the bill with friends when we go out- what should we keep in mind there? How should we talk about money with our co-workers, friends, and family? When you’re on a date, who pays for what and how quickly should you dive into money conversations with someone you’re serious about? And because we’re all unique individuals, we argue that there are no hard and fast rules that dictate our actions when it comes to our money. Instead there is a lot of nuance and it takes a lot of emotional intelligence in order to get your money etiquette right. It’s not always clear what path we should take and so during the episode we provide a helpful framework to help you decide. And we also share our thoughts on some common scenarios so that we can all avoid that awkward tension that might arise.


    During this episode we both enjoyed Paranormal Electricity of Trans-Pacific Airwaves IPA by Burial! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    House-Flipping, Achieving FIRE, & Staying Frugal with Carl Jensen #421 Oct 11, 2021

    Today we have the pleasure of talking with Carl Jensen who found himself trapped in a cubicle as a software developer nearly 9 years ago, when he set off on a journey to achieve the status of: financially independent and retired early. That’s when he started his site 1500 Days and has been blogging under the moniker Mr. 1500. Carl has since achieved FIRE and continues to be incredibly productive in the world of real estate with his live-in flips, all while pursuing a very intentional life in Longmont Colorado. Carl also happens to be a good friend of ours who we met years ago. And after spending some more time together recently at a personal finance conference, we realized we were overdue in having him come on as a guest on the show. We discuss everything from the downside of sharing personal financial information publicly, practical tips in finding a great property to flip, to how it is that Carl owns over 600 shares of Tesla stock!


    During this episode we both enjoyed an Old Chub by Oskar Blues! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Scraping by on $500k, Scammer Magnets, & the Cure for High Gas Prices #420 Oct 08, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: Salesforce predicting we’ll pay 20% more on holiday spending, inflation impacting dollar stores, our Black Friday predictions, more scammers on Facebook Marketplace, the cure for high gas prices, scraping by on just $500k, Robinhood on college campuses, & stop paying for your credit score!


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    The Insidious Nature of Gig Work #419 Oct 06, 2021

    Anytime you see a commercial for prescription meds, everyone always looks so happy- they’re 100% living their best life! But what about those insane side effects?! If you’re considering taking those medications you’ll have to seriously consider whether or not it’s going to be worth it for you. And we believe similar considerations need to be given when it comes to gig work. On the surface gig jobs seem like they could provide you with all that you’re looking for- flexibility, income, autonomy! And with an easy to use app on your phone you could be earning an income before it’s time for lunch. But we believe there’s a darker side to gig work as well. So during this episode we’re going to address both sides of the argument, we’re going to help you to determine if gig work is right for you, and then we’ll help you to think through choosing the best one for your life.


    During this episode we enjoyed a Fluffo Sando by Pipeworks Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - House Hacking Instead of Investing, Costco vs Sam's Club, & Investing Too Much Money #418 Oct 04, 2021

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - How do I know if I’m investing enough when financial advisors always say to invest just a little bit more?

    2 - Which warehouse club should I go with- Costco or Sam’s Club?

    3 - What should I do with a 401k from a previous employer?

    4 - How large should my emergency fund be, where should I keep it, and where can I earn a high rate of return on money in 2-3 months?

    5 - Should I start house hacking if that means investing less money in the stock market?


    During this episode we enjoyed a Southern Crisp by Southern Grist Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Investing Hamsters, Free Money for College, & Why Bottled Water Sucks #417 Oct 01, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: a new federal student loan servicer, free money for college is available starting today, what to do about rising rents, preparing for covid healthcare costs, investing hamsters beating the market, “experts” calling for a market crash, Vanguard slashing fees, making bank as an influencer, & multiple reasons why bottled water sucks.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    These Financial Rules Were Made to Be Broken #416 Sep 29, 2021

    Do you know anybody who’s never broken the speed limit? Even just a single person- in your entire life?! And if you’re being honest you’re less likely to treat it as a speed limit, and more like a speed minimum. We think we should be going at least that fast, if not more! For better or worse the speed limit is one of those rules in life that consistently is not followed. We break that rule because we believe we can still drive safely, even while exceeding the speed limit. Well the same is true with our personal finances and the money moves that we make. There are a lot of financial rules out there that many believe must never be broken or even challenged, while we believe a certain amount of liberty can be taken. It’s not that we believe that the rules should be done away with altogether- they’re important rules of thumb and reference points that we should definitely pay attention to, especially early on in our financial journey. But as you gain more knowledge and experience there are some financial rules that were made to be broken. Listen as we cover some of those rules as well as why it’s ok to be a conscientious objector!


    During this episode we enjoyed an Indefinite Staycation by Dogfish Head- thanks Ryan for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    The Unspoken Rules Of Career Success with Gorick Ng #415 Sep 27, 2021

    Excelling in your career depends on more than just doing a great job. Just because you’re a decent software engineer, or you get the job done as a nurse- that doesn’t mean that you’ll quickly rise through the ranks. Nor does it mean you’ll automatically see big raises or year-end bonuses! That’s because there are things that managers and bosses expect of you, but they’re never explained to you. This is the basis for Gorick Ng’s best-selling book, “The Unspoken Rules: Secrets to Starting Your Career Off Right.” Gorick is a career adviser at Harvard, focusing on coaching first-generation, low-income students. But before that, he gained plenty of professional experience from working in management consulting, investment banking, and as a researcher with the Harvard Business School. Regardless of your specific job, there are plenty of soft skills and unspoken rules that you need to discover, in order to find success in your career.


    During this episode we both enjoyed a Belgian Aloha by Olentangy River Brewing- thanks Scott for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Rideshare Inflation, Pay Transparency & Emotional Investing #414 Sep 24, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: local channels can no longer be streamed, rideshare inflation, jobs with the most demand over the next 20 years, and the effects of pay transparency laws. And then after the break we speak with Lindsey Bell with Ally Invest about emotional investing, volatility in the stock market, and the rise of speculation.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Can We Count on Social Security or is it Busted? #413 Sep 22, 2021

    Climate change used to feel like one of those things that was way off in the future. But then we see the headlines of extreme weather, or perhaps you’ve experienced it first-hand, and we realize that it could be more imminent than we used to think. It’s no longer an abstract concept but a concrete reality. And so it is with our perception of Social Security- it used to just be an annoyance that shrunk our paychecks as teenagers. But now as more responsible adults, we’re looking ahead and wondering if Social Security will even be a thing by the time we’re retirement age. And recent reports say that the Social Security fund will be insolvent by 2033?! That’s why today on the show we’re asking- whether or not we can count on Social Security retirement benefits and the additional steps we can start taking now to ensure a comfortable future.


    During this episode we enjoyed a Roosevelt Coffee Stout by Olentangy River Brewing- thanks to Scott for sending this one our way! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Bitcoin in Our Portfolio, Fixing a Credit Card Mistake, and Putting Savings in Coke Stock #412 Sep 20, 2021

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - What do y’all think about Bitcoin?

    2 - Where should we save or invest our down payment for a new house?

    3 - Is it too risky to keep my savings in Coke stock?

    4 - Should I close a credit card that I opened on accident?

    5 - Does it make sense to invest in a 403b or a 457?


    During this episode we enjoyed a Master Shredder by The Veil Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - The Sports Betting Boom, Record Home Equity Levels & Taco Subscriptions #411 Sep 17, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: scoring a massive Airbnb discount, learning economic theory from Theme Park Tycoon, video game bans, the sports betting boom, buy now pay later consumers are falling behind, leveraging crypto to buy more crypto, subscriptions that are bad for your wallet and your diet, and what to do with sky high home equity levels.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    What if You Won the Lottery? #410 Sep 15, 2021

    Winning the lottery shouldn’t be a part of your financial plan- but why are we so enthralled by the idea of winning the lottery?! On average, Americans spend over $1,000 every year for the chance to strike it rich. That’s a lot of wasted money that could be going towards literal investments. But even though we’re not going to win millions, statistically speaking, this exercise can provide some insights about the ways we want to spend our money and our time. This is helpful because there is a much higher likelihood that we would experience some sort of windfall in our lives whether that be a bonus at work, proceeds from a home sale, or even an inheritance. And if we haven’t taken the time to think through what we would do in these scenarios, there’s a good chance we could make the wrong decision in the heat of the moment. We’re going to get personal and share what we would do if we won the lottery, and we’re also going to explain how you can come up with your own money mission statement.


    During this episode we enjoyed a Crucial Crucial Taunt Taunt Enhanced by The Veil Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Fight and WIN Against Insane Healthcare Costs with Marshall Allen #409 Sep 13, 2021

    Marshall Allen is a journalist who investigates why we pay so much for healthcare here in America, while simultaneously we receive so little in return. He is the author of “Never Pay the First Bill: And Other Ways to Fight the Health Care System and Win” and he is also the founder of Allen Health Academy, which produces a curriculum of short on-demand videos to equip and empower employees to navigate the healthcare system. Marshall has been investigating the healthcare industry for 15 years, including over a decade at ProPublica. He also teaches investigative reporting at the Newmark Graduate School of Journalism at the City University of New York. We highly recommend that you listen to this episode if you’re looking for practical ways to reduce how much you’re spending on medical costs!


    During this episode we enjoyed a Fade Away by Cruz Blanca Brewery - thanks to Dennis and our friends at the brewery for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Robots Ruining Everything, A New Robinhood Feature, & Kim Kardashian's Crypto Kerfuffle #408 Sep 10, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: Matt scored his $1,250 credit card signup bonus, judging others if they have an old phone, digital driver's license, targeted ads on streaming, trip stacking, Kim Kardashian's crypto kerfuffle, a new Robinhood app feature, robots disrupting the labor market, AI rejecting millions of resumes, and one simple way to score a better job.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Striving for Work-Life Balance (Bestie Ep) #407 Sep 08, 2021

    Feeling overworked?! Between trying to get ahead at your 9-5 and pursuing side hustles, chances are really high that you feel like your work-life balance is out of whack. That doesn’t even take into account that more of us are working from home. We find ourselves chronically fatigued and exhausted because we give too much to our work, leaving little left for ourselves and those around us who we love. For instance, as a result most Americans don’t take all their vacation time- and when they do, they find it impossible to actually stop working! This ongoing cycle of never-ending work is leading more folks than ever to despise the work they once loved while other important areas in their lives like relationships, health, and hobbies continue to suffer. This is an important topic for us to cover as we seek to implement some practices to restore that work-life balance and then create boundaries to maintain that balance.


    During this episode we enjoyed an I Learned It by Watching You by Burial Beer Co and Other Half Brewing - a big thanks to our friends Waffles on Wednesday for donating this collaboration beer to the show. And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Reporting Rent Payments to Credit Bureaus, Bicycle Insurance, & Preparing for Maternity Leave #406 Sep 06, 2021

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - Should I put all of the proceeds from my home sale towards the down payment on a new home?

    2 - As a renter, should I pay extra in order for my rent payments to get reported to the credit bureaus?

    3 - Does it make sense to get insurance for my e-bike?

    4 - How can we make sure that our finances are in a strong position before having a baby?

    5 - Is there a best time of year to invest a lump sum of money?


    During this episode we enjoyed a 555 by Cruz Blanca Brewery- thanks to Dennis and our friends at the brewery for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Employer-Matched Savings Accounts, Annoying Hotel Fees, & Where to Save the Most on a Refinance #405 Sep 03, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: what to watch out for when switching to an online bank, employer-matched savings accounts on the rise, IKEA buying back your furniture, the easiest way to get all of the shampoo out of a bottle, annoying hotel fees on the horizon, simple tricks to supercharge your retirement account, the underutilized Roth 401k, falling investment fees, when it makes sense to see a financial advisor, avoiding eviction through federal rental assistance, & where to save the most on a refinance.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Valuable ATLien Money Lessons #404 Sep 01, 2021

    Since this is episode 404, we’re talking all about the money lessons that we can learn from our city Atlanta (which is sometimes referred to as the 404). You can learn lessons in unintended places- there are things to be learned all around us, if only we’re keeping an eye out for them. For instance, one of the impacts of the Covid lockdowns last year was that we couldn’t go anywhere and our calendars were pretty much wiped clean. And the unintended lesson that many Americans learned was that we probably had way too many events on the calendar to begin with. We quickly learned that less activities and more family time was a good thing. And so when it comes to Atlanta, there are a ton of different personal finance lessons that we can learn- from specific things like terrible traffic, the cultural diversity we find in the city, tax breaks being offered to the film industry, our sports teams, and plenty more! So be sure to listen in order to learn some valuable ATLien money lessons.


    During this episode we enjoyed BBA Siberius Maximus 10th Anniversary Cuvee RIS by Wrecking Bar Brewpub! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ditching Work You Hate & Landing the Job You Want with Ashley Stahl #403 Aug 30, 2021

    Today we are joined by career expert Ashley Stahl. She has a new book out titled You Turn: Get Unstuck, Discover Your Direction, and Design Your Dream Career that we dive into during this episode. And while we’re on the topic of job hunting, Ashley has quite the remarkable resume herself- she interned with Governor Arnold Schwarzenneger, pursued a career in counterterrorism while getting her Masters degree in War Studies in London, & then worked for a defense contractor at the Pentagon running an award-winning program. But despite all her success, Ashley still felt a degree of uncertainty until she finally changed her career path. Ashley is now a career coach where she empowers people to discover their authentic careers, land more job offers, and launch their dream businesses.


    During this episode we enjoyed a Hazy Little Thing by Sierra Nevada! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Christmas Shopping Starts Now, Rental Scams & No-Vax Penalties #402 Aug 27, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: small businesses passing credit card fees on to customers, housing rental scams abound, why now is the time to start shopping for Christmas, how subscription fatigue could be beneficial, whether or not you need a 401k to retire, a $20,000 hiring bonus, skipping the vaccine might cost you big, and getting the job you want with a video resume.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Is Real Estate Investing Right For You? #401 Aug 25, 2021

    You should consider investing in real estate! If your personal finances are in a solid position and you’ve already taken advantage of the tax advantaged accounts that are available to you, we believe that it could make a ton of sense for you to become a real estate investor. There are many great benefits from owning long term rentals like experiencing a higher return on your investment, monthly cashflow, tax benefits, and others that we’ll get to during this episode. But just because we’ve found investing in real estate to be a boon in our lives doesn’t mean that you should automatically go out and purchase your first rental. There are a number of different factors that you need to consider, before you start making offers! We tackle some of the common excuses that some folks give for why they don’t want to invest in real estate, in order to help you decide if real estate investing is right for you.


    During this episode we enjoyed Corn Grisette by Cruz Blanca Brewery- thanks to Dennis and our friends at the brewery for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Working with a Partner who is Bad with Money, Best Ways to Pay for Grad School, & Tax Implications of Inherited Money #400 Aug 23, 2021

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - Should I avoid getting married if my partner and I are unable to get on the same page with our money?

    2 - Paying for grad school: should we use savings, dip into an investment account, or take on a student loan?

    3 - How can I best go about maximizing my self-employment benefits?

    4 - What are the tax implications of an inherited IRA?

    5 - Where should we put money that we’re planning to put towards rental properties?


    During this episode we enjoyed Coco Frio by Cruz Blanca Brewery- thanks to Dennis and our friends at the brewery for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Drunk Investing, Help for Homebuyers, and Paying to Cut in Line #399 Aug 20, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: an easy site to help you choose the right streaming services, free Apple TV+, how rent payments will help you qualify for a mortgage, what to do about the T-Mobile data breach, paying to cut in line at theme parks, whether an electric vehicle is more affordable for you, drunk investing, investing fee transparency, whether inflation has impacted the price of brown bag sandwiches, eating SPAM, & cutting the cost of insurance.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    A Money Conversation With Our Partners #398 Aug 18, 2021

    Kate and Emily take the mic! It’s that time of year again- when our wives have yet again so graciously agreed to sit down and talk with us about money! Specifically during this episode we dive into Emily’s and Kate’s backstories and histories with money and how that has influenced us today. We also look back to the early days in our relationship and recount what it was like to combine our money as well as some of the first money fights we had and how we went about solving those disagreements. And then finally we discuss some of the different practices that can help all couples to continue to grow- it’s important that personal finance isn’t something that divides but instead unites relationships!


    During this episode we enjoyed a Tefnut (w/ Blueberries & Blackberries) by The Veil Brewing. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    How To Tackle Your Student Loans with Lauryn Williams #397 Aug 16, 2021

    Today on the show we’re joined by gold medal winning, Certified Financial Planner, Lauryn Williams. And we’re not even joking with you- Lauryn was an Olympic athlete and was the first American woman to medal in both the summer and winter Olympic games which is an incredible feat. So not only is she a CFP with her own business, not only has she won gold as an Olympic athlete, but Lauryn is also a Certified Student Loan Professional, a CSLP, so she also has a high level of expertise when it comes to all things student loans. We’re going to hear Lauryn’s Olympic story but we’re also going to dig into some important details that student loan borrowers need to keep in mind when it comes to things like forbearance, student loan forgiveness, and the different income-driven repayment plans.


    During this episode we enjoyed The Donkey and the Thistle by Mad Fritz- thanks to our friend Cal for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Student Loan Payment Pause, The Worst Car Loans, & Avoiding This Common HSA Blunder #396 Aug 13, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: the student loan payment pause continues, savers are getting crushed, lower levels of competition are costing us $5,000 every year, everyone is angel investing, avoiding a very common HSA blunder, the worst car loans out there, used cars are no longer appreciating in value, & rental unit bidding wars.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    A Cornucopia of Budget Travel Tips #395 Aug 11, 2021

    Who doesn’t enjoy going on a relaxing or adventurous vacation?! But even if spending a week in the Caribbean or backpacking across Europe isn’t your craft-beer-equivalent, chances are pretty high that you have to occasionally do some traveling and we want you to save big. Americans pour a lot of money into travel- to the tune of 972 billion dollars on domestic travel alone back in 2019. But it doesn’t have to cost you a fortune. We want you to experience all the joy of travel while lessening the financial pain of it. In this episode we cover a litany of tips and tricks that will allow you to save on your next trip. We cover many different aspects of travel, giving you the knowledge and resources that you can keep coming back to in order to save money every single time you book a trip in the future.


    During this episode we enjoyed some Vacay Daydreams by Pipeworks Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Hidden Expenses When Investing, Keeping Student Loan Payments Low While Earning More, & Vacation Investment Properties #394 Aug 09, 2021

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!


    1 - What is this fixed finance charge on a new credit card that I applied for?

    2 - How can I prevent my income based student loan payments from increasing as I’m making more money?

    3 - Are there hidden expenses when I invest in funds through Cash App or Robinhood?

    4 - When it comes to teaching high schoolers about personal finance, what topics or curriculum should I focus on?

    5 - Should we buy a vacation property, specifically a condotel, as an investment?


    During this episode we enjoyed The Bane The Blithe by Newgrass Brewing Co! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - FREE Health Insurance, Buy Now Pay Later, & Fatter Paychecks #393 Aug 06, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: Joel’s favorite wallet, free or discounted ACA health coverage, college health insurance plans, Target and Walmart paying for college, the slippery slope of buy now pay later, index fund investors saving $357 billion, higher priced diapers, furniture delays, & getting paid more.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Having an Arbitrage Mindset Changes Everything #392 Aug 04, 2021

    Dick Fosbury changed the sport of high jumping forever the first time he jumped backward over the bar. Until then, every competitor had launched themselves into the air going forward, belly over the bar. I’m not sure the last time you watched a high jumping event, but now every high jumper uses Dick’s technique. He essentially exploited a flaw in the high jumping world that no-one else was paying attention to. In a way that’s basically what arbitrage is when it comes to our personal finances- it’s about thinking creatively about the different financial hurdles in our lives. It’s about challenging the assumptions we’re faced with. We’ll cover some very clear forms of arbitrage that you might already be implementing, some problems with arbitrage, and then how you can begin developing more of an arbitrage mindset today.


    During this episode we enjoyed a Newgrass Brewing Co Pineapple Upside Down Shake! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Becoming Your Own Consumer Advocate with Clark Howard #391 Aug 02, 2021

    Today on the show we’re talking with one of the greatest minds in the personal finance space- Clark Howard. Clark is a money expert with a heart of gold who hosted his own radio show for over 30 years. I had the pleasure of working with him for 14 of those years. He is also the author of 10 books and continues to produce an excellent podcast daily because he somehow has limitless amounts of energy. But some of his more impressive accomplishments have been via the work he spearheads in Atlanta and the surrounding communities, including his partnerships with Habitat for Humanity, and his annual Clark’s Christmas Kids broadcasts which have helped ensure that over 150,000 kids received presents on Christmas morning that otherwise wouldn’t have.


    During this episode we enjoyed a Self Unaware by Newgrass Brewing Co. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Creating a Debt Payoff Plan (Bestie Ep) #390 Jul 30, 2021

    Our country has opened back up and we’re guessing that you probably spent a lot more money this summer compared to last year. Consumer spending isn’t going anywhere, student loans are ever-present, and car loans are becoming even more of an issue as consumers take out 72 and 84 month loans. The reality and feeling of drowning in debt is compounded when folks don’t know how to get out from underneath this crushing weight. Where do you even begin?! What we need is a plan to help us get out of debt and get our feet set in the right direction this year. Now is the time to get your personal finances in order and creating a debt payoff plan is vital to achieving your financial goals.


    During this episode we enjoyed a Barrel Aged Yeti Imperial Stout- thanks to our friends there at the brewery for donating this one! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Biking More To Get Rich #389 Jul 28, 2021

    You might be saying “Yea, yea- we know Joel and Matt love biking…”, but did you realize that you’re literally missing out on millions of dollars by driving instead of biking? We crunch the numbers for you in this episode. So if you’re not biking, you should really give it another shot. People change- you’re not set in stone are you?! Just because at some point in time you decided that biking wasn’t for you, that doesn’t mean that you shouldn’t reconsider. And on top of the massive financial benefits there are a host of other additional advantages of riding more. Plus, we disprove a bunch of common excuses that are given as to why some folks can’t bike more, or bike to work. Then we round things out and share how you can begin incorporating cycling into your life, and how you can get riding today!


    During this episode we enjoyed a Double Fruited Boysenberry Blackberry Raspberry Hill by Southern Grist! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Making the Most of a Meme Stock Mistake, if $50k Advanced Degrees Make Sense, & Selling or Renting a Home #388 Jul 26, 2021

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear from you!


    1 - How can I use money allocation and automation to reduce my level of financial stress?

    2 - Does it make more sense for us to rent or sell our house in the current hot real estate market?

    3 - How do I have a better conversation about investing with my partner who doesn’t want to be a part of the “system”?

    4 - I’ve made and lost a lot of money from crypto and meme stocks so what do I do now?

    5 - Will a $50k advanced degree make sense?


    During this episode we enjoyed an El Dorado DDH Juicy Bits by WeldWerks Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Crazy Rich Millennials, Rising Rents, & A Shady Way to Pay for College #387 Jul 23, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: appealing your property tax assessment, crazy rich millennials, eating out is getting pricier, shrinkflation and generics brands, rising rents, using target date funds incorrectly, shady ways to pay for college, & why paying with cash isn’t always a bad idea.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Crucial Credit Card Benefits You Aren’t Using #386 Jul 21, 2021

    You’re missing out! Imagine using your smartphone only for making phone calls. What if you didn’t know you could use your phone to listen to podcasts, text, interact with friends on social media, or even to use the built in flashlight? What a shame that would be since your phone is capable of so much more than what it’s name implies! Now let’s imagine you’re only using your credit card to make purchases. Are you aware of the long list of benefits and rewards that are provided by some great credit cards out there? Did you realize that debit cards don’t offer the same protections that credit cards have automatically built in? Not to mention that we dive into the ethical question of credit card rewards- is it possible to utilize rewards and points with a clean conscious? During today’s episode, we’re going to convince you to start using your credit cards much more effectively.


    During this episode we enjoyed a Chief of Chiefs by Bearded Iris! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    The Art of Gaining Peace with Your Money with Ken Honda #385 Jul 19, 2021

    Here on the podcast we often talk about how to do smart things with your money, but we also try not to neglect the why behind our actions as well as our attitudes that have a massive impact on our overall approach to personal finance. Today on the show we’re talking with Ken Honda about his book “Happy Money” which is all about the mindset and attitude that we bring to our money which directly impacts our happiness. After a very successful business career, becoming an author was essentially a second career that Ken discovered and developed after retiring before he was 30. Ken’s writings bridge the topics of finance and self-help, focusing on creating and generating personal wealth and happiness through deeper self-honesty. Happiness and handling your money well takes more than just understanding the nuts and bolts, so listen as we talk about the art of gaining peace with your money!


    During this episode we enjoyed a Black Widow by Original Sin Cider- thanks to the folks there at Original Sin for sending this one our way! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Getting Paid On Demand, Sneaky Internet Bill Increases, & New Cheap Drugs #384 Jul 16, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: opting out of housekeeping to save money, child tax credits have arrived, getting paid on demand, living paycheck to paycheck, new affordable discounted drugs, sneaky internet bill price hikes, getting your wifi to work better, cell phone upgrade cycles, and where inflation impacts you the most.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Breaking Down More Common Money Phrases #383 Jul 14, 2021

    There’s no such thing as a free lunch. Don’t put all your eggs in one basket. You’ve heard phrases like this your entire life but are they true? And how can we specifically apply them to our personal finances? We had fun talking about some common money phrases earlier this year, but since then we’ve realized that there were a bunch of good ones we didn’t cover! So we figured it was a good idea to hit up even more common money phrases that we’ve all heard and dissect them. And the reason we feel this is surprisingly important is because the sayings we hear can often bore into our brains and if we hear them enough we believe them as fact. But many of these common sayings have flaws in them or are just downright wrong. So have a listen as we think through some more money sayings and how they apply to our personal finances.


    During this episode we enjoyed an Elderberry Northwest Sour Ale by Cascade Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Hanging with Friends on the Cheap, Assisting Parents with Their Money, & Smart Contributions to Both an HSA and FSA #382 Jul 12, 2021

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo!


    1 - Is my job worth the awful commute?

    2 - How can I hang out with my friends without spending a ton of money?

    3 - Does it make sense to contribute to both an HSA (Health Savings Account) and FSA (Flexible Spending Account)

    4 - Should I pay off my mom’s credit cards or car in order to help her with her finances?

    5 - What’s the best way to grow money that I’ll need in 2 or 3 years?


    During this episode we enjoyed a 2017 Kriek by Cascade Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - New Cheap Travel Hacks, Borrowing is Back, & Beware of Neobanks #381 Jul 09, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: reevaluating 2021 goals, new cheap travel hacks, the price of gasoline, federal unemployment benefits ending for some, scoring sweet hiring bonuses, teenage hiring boom, borrowing is back, whether you should take on debt in order to invest, expected returns in the stock market, & customer service problems with neobanks.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    FIRE: Choose Your Own Adventure #380 Jul 07, 2021

    This episode is all about FIRE which stands for Financial Independence Retire Early. This movement came about as an entire generation began to push back against the notion of traditional retirement- working hard in a job you hate so that you can kick back when you’re 65. Thanks, but nah. We have friends who have completely rejected that idea and have retired in their 20s and 30s, but the most important thing to keep in mind is that the pursuit of financial independence doesn’t have to look a specific way. Just like those books we loved in the 90’s you get to choose your own adventure! From leanFIRE to fatFIRE and everything in between, there are a variety of lifestyles we can aspire to. So we’ll talk about the different types of FIRE and then some of the most important tactics to consider on your path to achieving financial independence.


    During this episode we enjoyed a Smells Like Bean Spirit Double Maple by Mikerphone Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Financial Independence at 27 via Passive Income with Rachel Richards #379 Jul 05, 2021

    Since yesterday was the 4th of July, we’re talking about financial independence with someone who has achieved it at the young age of 27. Rachel Richards is a former financial advisor, a real estate investor with almost 40 rental units, and the bestselling author of “Money Honey.” She has also written “Passive Income, Aggressive Retirement” which we’re covering today as we discuss the lessons Rachel has learned on her way to financial independence. Rachel quit her 9-5 job and now lives off over $15,000 a month in passive income and she spends her time doing whatever she feels like- whether that’s traveling the world with her husband or hiking the Rockies with her dog. Learn how setting up streams of passive income to achieve financial independence is more attainable than you think!


    During this episode we enjoyed a M-43 Tart Strawberry by Old Nation Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Peak Inflation, Saving Money Sucks, & Insurance Scams #378 Jul 02, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: Bobby Bonilla made the wrong decision, keeping utility costs low during scorching heat, peak inflation with costs coming down, appreciating used cars, personal rates of inflation, saving money sucks, Peloton disabling treadmills, new Venmo fees, Gen Zers and Millennials are being targeted with new scams, high costs of title insurance, avoiding extended car warranties, student loan interest rates have increased, & book giveaway winners!


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    How To Pay Less For Almost Everything #377 Jun 30, 2021

    Nobody enjoys paying full price- who doesn’t like scoring a sweet deal?! Yet many of us don’t think to do what it takes to pay less for the things that we buy. Whether it’s the fear of rejection or not wanting to be perceived as a cheapskate, there are a number of false narratives at play that are keeping us from pouncing on discounts. And it’s important to simultaneously keep in mind that, in the words of Michelle Singletary, “discounts make us dumb!” In the quest to pay less, it’s important to not fall victim to the ploys of marketers and advertising! We discuss all of these patterns of thinking, as well as the steps that we need to take in order to ensure that we’re getting the absolute best deal on almost everything.


    During this episode we enjoyed an Origins by Crooked Stave! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Liability Limits on Car Insurance, Giving Unsolicited Investment Advice, & 15 vs 30 Year Mortgages #376 Jun 28, 2021

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo!


    1 - How should we budget for a bi-weekly paycheck?

    2 - Should I give unsolicited investing advice to my brother-in-law?

    3 - Since I’m building up my net worth, should I increase my liability car insurance limits?

    4 - Are I Bonds a good idea? (pronounced ‘eye’ bonds!)

    5 - 15 or 30 year mortgages: which should I refinance to? And what are your thoughts on flipping houses?


    During this episode we enjoyed a Seeing Green by Civil Society Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Reverse Cord-Cutting, Living Paycheck to Paycheck on 100k, & Putting Rent on a Credit Card #375 Jun 25, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: Costco mortgages, how you can raid our bookshelf, Advance Child Tax Credit, car rental gift card scams, high earners living paycheck to paycheck, reverse cord-cutting, investing (in) teenagers, more Zillow Offers, putting rent on a credit card, & keeping banks from closing your credit card.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Is Lifestyle Creep Inevitable? #374 Jun 23, 2021

    Most everyone out there has heard of lifestyle creep, also known as lifestyle inflation. We define this phenomenon as the unconscious upgrading of our lifestyle and standard of living which ends up costing us more and more money. And aside from the ability of lifestyle creep to sneak up on us, one of the other dangers is that it is often difficult to turn back the clock and downgrade our standard of living! So we’re asking the question today- is lifestyle creep inevitable? In this episode we discuss some widespread examples of lifestyle creep in our society, why it happens, and how we can thwart lifestyle creep from derailing our personal finances.


    During this episode we enjoyed a Hobnail by Urban Artifact Brewing- thanks Sondra for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Crisis-Proofing Your Finances with Michelle Singletary #373 Jun 21, 2021

    Michelle Singletary is an award winning personal finance columnist for The Washington Post. She’s also a frequent contributor to NPR and she has also appeared on NBC’s “Today Show” and CBS’ “The Early Show.” Michelle has written multiple books on personal finance and her latest book, “What To Do With Your Money When Crisis Hits,” was just published last month. Not only is it an incredible resource for folks who find themselves in difficult times, but it’s also chock-full of practical money advice to implement even during the best of times. It’s the kind of advice that your grandma would approve of! Listen as we get to talk with Michelle Singletary today and as we learn more about her book.


    During this episode we enjoyed a Squeezebox by Urban Artifact Brewing- thanks Sondra for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Friday Flight - Quitting Your Job, Micro Weddings, & A Hefty Credit Card Sign-Up Bonus #372 Jun 18, 2021

    It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: micro weddings are here to stay, The Great Resignation, increased employee benefits, acquiring new skills, solid 529 plans, parent PLUS loans are the worst, making millions from speed cameras, vehicles are lasting longer, spending more money on restaurants than groceries, and the best credit card sign-up bonus.


    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Using Financial Stress to Your Advantage #371 Jun 16, 2021

    During today’s episode we’re going to explain how you need more financial stress in your life!.. Well, not quite, but we do think that the proper amount of stress in our lives can be helpful in achieving the money goals we’re pursuing. All things in moderation though- just like you want to avoid having too much of a good thing, we obviously want to avoid overwhelming stress in our lives. But the thing is, it’s oftentimes not even the stress itself that is bringing us down, but the negative coping mechanisms and habits that we turn to that can be the most destructive, and that can cost us the most. We believe that by reframing how you view stress and by putting it in the proper light, you can use financial stress to your advantage. Listen and we’ll explain how!


    During this episode we enjoyed a Coconut Stout by Easy Chair Brewing Garage- thanks to Jess for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!


    Best friends out!

    Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

    See omnystudio.com/listener for privacy information.

    Ask HTM - Stashing Money for 3-6 Years, Ways to Teach Kids About Investing, & Taxes on Summer Jobs #370 Jun 14, 2021

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo!


    1 - Where do I put money for the next 3-6 years for a home purchase?

    2 - What should I keep in mind as I’m considering becoming a financial counselor?

    3 - Will our teenager need to file taxes for his summer job?

    4 - Can I use my credit card as an emergency fund so I can invest my savings?

    5 - What’s the best investment account for teaching kids about saving and investing?


    During this episode we enjoyed a Peach Seltzer by Easy Chair Brewing Garage- thanks to Jess for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not alre