How to Money

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Latest Episodes:

Friday Flight - Downsides of Free Investing & Rising Pandemic Prices #216 Jun 19, 2020

Show notes

Friday Flight episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to thrive. In this episode we cover a lot of interesting topics like where to look for a great price on a used car, renewable energy costs, and the effects of a deferment on your credit score. Then we discuss whether stores should raise prices on items during a pandemic and we also dive into speculative investing and the rise of daytrading.

And as we’ve ramped 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!

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

See omnystudio.com/listener for privacy information.

Money Simplicity Breeds Better Results #215 Jun 17, 2020

Show notes

Have our financial lives become so complex, that the different ‘advanced’ options available to us are actually keeping us from doing the right things altogether? It seems that the more complicated the approach we take to our money, the more likely the wheels are going to come off as we completely bag the system down the road. It’s a sad irony that applies to many of us- whether because we are overwhelmed with the convoluted nature of our personal finances, or maybe due to the fact that we lose interest as we’re distracted by the next cool piece of technology that promises the results we want to see. For the vast majority of us, the simplest approach is often the best. So we’ll cover the importance of simplicity by highlighting the issues with complexity, and we’ll also discuss how to make your personal financial life a winning mix of straightforward yet thoughtful at the same time.

During this episode we enjoyed a Scorpius Morchella by Toppling Goliath- thanks to Kelsey for donating this one to the show! And as we’ve ramped 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!

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

See omnystudio.com/listener for privacy information.

Ask HTM - CDs are a Smart Move, Shopping for the Best Mortgage Rates, and What to do with an old HSA #214 Jun 15, 2020

Show notes

We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/

1 - If I try to purchase a home with cash, can I expect to get a better deal? How does this work?

2 - My employer is changing health coverage options, so what should I do with money that is in my HSA?

3 - What are CDs and are they a good idea these days?

4 - How should I go about shopping for the lowest mortgage rate?

5 - Should I be contributing to my 403b at work, or should I focus on my Roth IRA instead?

During this episode we enjoyed a Pseudo Sue by Toppling Goliath- thanks to Kelsey for donating this one to the show! And as we’ve ramped 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!

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

See omnystudio.com/listener for privacy information.

Avoiding Burnout, Overdraft Fees, and Getting Back to Work #213 Jun 12, 2020

Show notes

Friday episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to thrive. In this episode we cover a lot of interesting topics like the updated Paycheck Protection Program and what that means for small businesses, taking time off in order to avoid burnout, and the ridiculous overdraft fees banks charge. Then we also dive into thew new jobs in our country as well as what it looks like to go back to work.

Best friends out!

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

See omnystudio.com/listener for privacy information.

Money Conversations are Crucial (Bestie Ep) #212 Jun 10, 2020

Show notes

Money just feels like a topic that is off-limits when it comes to discussions you have with your friends. Is it because it’s too personal? Maybe you feel it’s none of your business? A big part of why we started How to Money is because we feel that money conversations need to happen more often. Talking about money shines a light on it and brings about awareness, which can ultimately lead to improvement as we all have room to grow. Listen as we discuss some of the major ways you’re likely missing out if you’re not talking about money. And then we wrap it up with some practical tips that can help you when it comes to striking up a money conversation with your friends and family.

During this episode we enjoyed a Zoose Joose by Westbrook and Angry Chair. And as we have ramped 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!

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

See omnystudio.com/listener for privacy information.

Smart People Do Dumb Things with Their Money with Jill Schlesinger #211 Jun 08, 2020

Show notes

We’ve all made some financial mistakes, but hopefully through reading, listening to podcasts, and learning from our previous mistakes, we can move forward and make smarter moves with our money. That’s what we’re covering during this interview. Our guest today is Jill Schlesinger who is an on-air CBS News Business Analyst who covers the economy as she guides people through their personal financial decisions. Jill is a Certified Financial Planner and also the author of the book "The Dumb Things Smart People do with Their Money". In this interview we spend some time talking about a lot of those dumb things, and we also dive into how Jill got her start in all things money.

During this interview we enjoyed a Wedge Salad by Green Bench Brewing that we picked up on a recent ‘work’ bike ride! And as we have ramped 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!

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

See omnystudio.com/listener for privacy information.

Falling Interest Rates & Real Estate Investing in the Covid Era #210 Jun 05, 2020

Show notes

*While we typically try and record our Friday episode just days before being published, we recorded 207 and 210 weeks ago in order for us to be able to take some time off with our families. This means the death of George Floyd and the protests around the country hadn’t occurred yet and we were not able to comment. However, we believe that Black Lives Matter and we encourage our listeners to all work toward making our world a more loving place.*

Friday episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to thrive. In this episode we cover a lot of interesting topics like the uptick in scams, falling interest rates and their effect on student loans and savings rates, and pay cuts at work. Then we also talk with our friend and real estate investor Chad Carson to get his thoughts if investing in real estate is still a good idea.

Best friends out!

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

See omnystudio.com/listener for privacy information.

Yes, You Can Negotiate Your Bills #209 Jun 03, 2020

Show notes

Is everything in life negotiable? It depends on who you ask. We all enjoy paying less than we have to and getting a deal, but there are certain instances where it makes more sense than others. Just because you can negotiate a bill to get a few bucks off doesn’t mean it’s a good use of your time, when there might be a different bill that you should focus on instead. There are several areas in our personal finances that we often overlook to the detriment of our bank accounts. And then one of the other problems is knowing how to go about the process of negotiating- what strategies to use and what steps to take in order to make the biggest impact. And so we’re going to address, not only how to negotiate, but also who to negotiate with, in order to make it worth our time.

During this episode we enjoyed a Tampa Timeshare Grapefruit-Basil Gose by Wrecking Bar Brewpub- one of our favorite local breweries. And as we’ve ramped 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!

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

See omnystudio.com/listener for privacy information.

Ask HTM - Applying for a Credit Card with Frozen Credit, Paying Down Student Loans vs Investing, and Purchasing a Used Car without a Local Bank #208 Jun 01, 2020

Show notes

We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/

1 - How big should my emergency fund be and should I count my Roth contributions towards that cash cushion?

2 - Should I open up a high interest custodial savings account or a 529 Plan for my baby with some gift money?

3 - Is it OK to snag a store discount by signing up for a store credit card, even though my credit is frozen?

4 - As a recent graduate, should I pay down my student loans or begin investing instead?

5 - How do I go about buying a used car without a brick and mortar bank?

During this episode we enjoyed an Inexplicable Unease, by Bhramari Brewing. And as we’ve ramped 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!

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

See omnystudio.com/listener for privacy information.

Affordable Used Cars & the Future of Office Life #207 May 29, 2020

Show notes

Friday episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to thrive. In this episode we cover a lot of interesting topics like Netflix cancelling subscriptions, the high price folks pay for delivery apps, and AI and customer service. We also spend some time on the most affordable used cars today and where you can buy them, as well as whether or not the work office is dead now that so many of us are working from home.

Best friends out!

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

See omnystudio.com/listener for privacy information.

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