How to Money

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Latest Episodes:

Ask HTM - Ditching a Crappy High-Paying Job, Student Loan Refinancing, and Investing with Fundrise #196 May 04, 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 - I really like investing via Fundrise, but should I be maxing out my Roth IRA first?

2 - Bad news: I’ve recently lost my job. Good news: I just sold my house and got married! What should I do with the money from the sale of my home?

3 - Should I take advantage of super low interest rates and refinance my student loans?

4 - I have a high-paying, but soul-sucking job. Should I pursue a position that pays much less but will yield many other intangible benefits?

5 - Is there a middle ground investment vehicle? I’m looking for something that isn’t too conservative, but something that is also not too risky.

During this episode we enjoyed a Fog of War by Easy Chair Brewing Garage- thanks to our friend Jess for donating this one to the show! 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!

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

See omnystudio.com/listener for privacy information.

Credit Card Companies Cutting Limits and Postponing Mortgage Payments #195 May 01, 2020

Show notes

Friday episodes are all about the effects of Covid-19 on your personal finances. There’s a lot of news and information out there, but we are distilling it down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also address some of the impending changes to credit card limits as well as mortgage forbearance.

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!

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

See omnystudio.com/listener for privacy information.

To Refi or Not to Refi? #194 (Bestie Ep) Apr 29, 2020

Show notes

With the Great Lockdown continuing to take its toll on the economy, mortgage rates are at near all-time lows so now is a great time to consider refinancing. Pouncing on these lower rates can lower our monthly mortgage payment, allowing us to free up some money that was being funneled towards housing. But what else should we consider? Are you a good candidate for a refinance? And then on top of that there are also costs involved in refinancing that can make it prohibitive. In this episode we discuss what you need to consider, some great reasons to refi, and how to make sure you are refinancing effectively.

During this episode we enjoyed an Old Tuffy by New Belgium- a big thanks to Maggy for donating this beer to the show this week! 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- we’d love to hear from you.

Best friends out!

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

See omnystudio.com/listener for privacy information.

Couple’s Finances and Weathering Financial Storms with Farnoosh Torabi #193 Apr 27, 2020

Show notes

Our guest on this episode is personal finance expert Farnoosh Torabi who has transformed what most would consider setbacks, into the very things that drive her forward. She found herself living in NYC at the age of 22 with over $30k in debt, but it was through the process of climbing out of debt that Farnoosh realized her desire to help others with their money. She has done it all, from reporting for Money Magazine, to hosting her own podcast, to writing multiple books including ‘Psych Yourself Rich’ & her latest bestseller ‘When She Makes More’. We’re excited to talk with Farnoosh about couples and all things related to money, but in particular how personal finance is so much more than just understanding the nuts and bolts.

During this episode we enjoyed Petite Sour Raspberry by Crooked Stave- thanks to our friends there at the brewery! 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!

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

See omnystudio.com/listener for privacy information.

Reopening the Economy and Getting Refunds #192 Apr 24, 2020

Show notes

Friday episodes are all about the Great Lockdown, Covid-19, and your money. There’s a lot of news and information out there, but we are distilling that down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also share our thoughts on some states reopening for business, getting refunds, and privacy concerns of working from home.

Best friends out!

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

See omnystudio.com/listener for privacy information.

Money Chores to Crush During Quarantine #191 Apr 22, 2020

Show notes

Many of us have been stuck at home with extra time on our hands due to the quarantine. Even if your state or local government hasn’t made it an official order, it’s likely you’ve found yourself trying to figure out what to do with these free nights and weekends! And while we wouldn’t suggest that you must use all that additional time to work on your personal finances, it would helpful to use at least some of it to work on some money matters that typically get swept under the rug. So in this episode we’re talking about the chorelike, everyday money disciplines that are often skipped over. These are the kinds of money moves you may not be paying attention to, but they still have a big impact on your personal finances.

During this episode we enjoyed an Adambier by Crooked Stave- thanks to our friends at the brewery for donating this one to the show! 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!

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

See omnystudio.com/listener for privacy information.

Ask HTM - Investing in Bonds, New Student Loan Interest Rates, and Insurance Brokers #190 Apr 20, 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 - I have a lot of bonds in my portfolio- is now a good time to sell them and buy more stocks instead?

2 - How are new student loans being affect by the health crisis?

3 - I’ve recently started doing business with an insurance broker, saving me time and money! What’s the catch?

4 - Are savings bonds a good product for my young daughter?

5 - I’m considering law school but I also enjoy working with my hands- help me decide!

During this episode we enjoyed a Nightmare on Brett by Crooked Stave- thanks to our friends at the brewery for donating this one to the show! 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!

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

See omnystudio.com/listener for privacy information.

The Great Lockdown Effects on Spending and the Housing Market #189 Apr 17, 2020

Show notes

Friday episodes are all about the Great Lockdown and your money. There’s a lot of news and information out there, but we are distilling that down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also take a look at the changes we’ve seen to consumer spending, energy use as an indicator of what’s going on with the economy, and our thoughts on the housing market.

Best friends out!

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

See omnystudio.com/listener for privacy information.

WTD with Stimulus Checks and Tax Refunds #188 Apr 15, 2020

Show notes

A stimulus check, tax refund, or any large windfall doesn’t happen all that often, so it’s no surprise that we’re not all that great at doing something smart with that money. Most of us think of it as a bonus that we should spend! And for people who diligently prioritize saving and investing every single month of the year, that might be ok. But for most people, a more thoughtful approach is in order. Much of it depends on your specific situation, and so we have some thoughts as to what you should be doing with that money when it shows up in your account. We can approach it with the numbers in mind, or values front and center- where you do you land?

During this episode we enjoyed a Space Lettuce 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!

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

See omnystudio.com/listener for privacy information.

Going Minimalist To Save More with Joshua Becker #187 Apr 13, 2020

Show notes

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. Also, we’ve all been spending more time in our homes than we’d probably like to be, and all that clutter might be getting to you. 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 and The Minimalist Home. Not only can a minimalist approach to life allow us to spend less & save/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!

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

See omnystudio.com/listener for privacy information.

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