How to Money

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Latest Episodes:

Different Approaches to Budgeting #176 Mar 18, 2020

Show notes

Maybe the reason you haven’t been able to stick with a budget is because you’re trying to use the wrong kind of budget! There are different approaches, apps, and methods out there, and finding the right one for you could be the difference between a failure to launch, and you becoming a budgeting pro. We’re here to remind you of the many benefits of having a budget- it’s not only about saving more money (but really, who needs more of a reason than that?!). We’ll share some universal tips that will help you get started as well as show how budgeting can look different based on your personality type.

During this episode we enjoyed a Bourbon County Wheatwine Ale by Goose Island - a big thanks to Alex for donating the beers 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. Help us to spread the word to get more people doing smart things with their money!

Best friends out!

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Simple and Smart Investing with JL Collins #175 Mar 16, 2020

Show notes

If you feel overwhelmed at the thought of investing in the stock market, especially amid these turbulent times, then look no further. We are fortunate enough to be speaking with the one and only JL Collins. JL is an expert in the arena of investing and is the author of the book “The Simple Path to Wealth”. In his book and on his site, JL writes about how truly straightforward and simple it is to invest your money in order to achieve financial independence. Not surprisingly, he’s also considered by many to be the godfather of the financial independence movement. We’re pumped to discuss all things related to investing in the market as well as topics like buying a new car and raising financially savvy kids.

During this episode we enjoyed a Bourbon County Stout by Goose Island - a big thanks to Alex for donating this 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.

The Coronavirus, Market Volatility, and Your Money #174 Mar 13, 2020

Show notes

This is a special edition of How to Money to address the financial effects of the coronavirus and what we should be doing with our money during these volatile times. With the spread of Covid-19, there are many changes impacting our lives we do not have control over. However, we do have control over what we do with our money- especially our investments. Take a quick listen as we answer several listener questions and address some additional areas of our lives that might be affected by the coronavirus.

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.

Striving for Work-Life Balance #173 Mar 11, 2020

Show notes

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. 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 - Cash Management Accounts, Paying $9500 to Ditch a Crappy Job, the Rule of 173 Explained #172 Mar 09, 2020

Show notes

This week on the podcast we’re 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 - What is a cash management account and should I have one?

2 - Should I pay $9500 to exit a work contract early?

3 - Aside from a 529 plan, how else can I invest on behalf of my young son?

4 - Rule of 173, single family vs multi-family properties, and is my money safe with a brokerage like M1 and Vanguard?

5 - Not a question- but a great house hacking tip for a steady pipeline of qualified tenants.

During this episode we enjoyed a Hazelnut Mocha Latte stout by True Respite - a big thanks to our friends Waffles on Wednesday for donating this 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.

The Tradeoffs of Driving an Electric Car #171 Mar 04, 2020

Show notes

With the proliferation of electric vehicles, you might be wondering if you should look into an EV for your next car purchase. The advancements in battery technology means that range issues aren’t nearly as much of a concern. And with more and more automakers releasing their own lines of EVs, it’s clear that the electric vehicle is here to stay. There are countless benefits that accompany an electric vehicle but that doesn’t mean that EVs are for everyone. In this episode we talk about the good and the bad, as well as the questions to ask yourself in order to help you decide whether or not you should be considering one for your next car.

During this episode we enjoyed an Art is Hard by North Park Beer Co - another big thanks to John for donating beers 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. 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.

Navigating College Decisions with Elisia Howard #170 Mar 02, 2020

Show notes

Delaying your college application a few months could cost you $20,000! This is just one of the many things we learned during our conversation with Certified College Counselor, Elisia Howard. She has been in education for fifteen years and worked in college admissions for five years before starting College Insights in 2015. At College Insights, Elisia helps students navigate college decisions through academic advising, resume building, and applying to the right schools. She is passionate about students avoiding the crippling financial burdens that tend to accompany student loans, so this is a really valuable conversation for anyone considering college, for students who are currently in school, and even for graduates who already have student loans as we cover that as well.

During this episode we enjoyed a Hop-Fu! by North Park Beer Co - a big thanks to John for donating this 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.

How to get Great Customer Service (Bestie) #169 Feb 26, 2020

Show notes

Working hard for money isn't a foreign concept, but working hard to receive good customer service often is- we so rarely advocate for ourselves! The first step when you're looking for great customer service is to be sure to do business with a reputable company. After that, there are plenty of additional elements to consider to not only save you money, but allow you to walk away from a transaction completely satisfied and raving about how great of an experience you had when you needed assistance. Listen as we help you to make the best use of your time when advocating for great customer service.

During this episode we each enjoyed an Atrial Rubicite by Jester King. A huge thanks to Jerrod at BrainDead Brewing for donating this 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 - Paying Off Balance Transfer Cards, Emergency Funds while House Hacking, and What to do when Inheriting a 401k #168 Feb 24, 2020

Show notes

This week on the podcast we’re 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 - Should I pay off my credit card debt that has a 0% interest rate?

2 - How much money should I have in my emergency fund since we’re house hacking with a duplex?

3 - What do I do with money that I’ve inherited as a 401k?

4 - Does whole life insurance make sense for me?

5 - What does it mean if I don’t have a credit score?

During this episode we enjoyed a Blair’s Breakfast Stout by Wilmington Brewing Company - a big thanks to Matt’s uncle in-law John for donating this 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.

Are Experiences Better Than Stuff? #167 Feb 19, 2020

Show notes

You won’t be surprised to hear that we’re critical of the consumeristic society we live in. Our culture wants us to believe that buying things will lead to greater levels of happiness. And maybe we’ve been convinced because 70% of the overall economy is driven by consumer spending. Here’s an alternate take though: our generation seems to value experiences more than stuff, but are experiences a better use of our money? Will we be able to find more happiness through greater spending on a cool trip or nicer clothes? Regardless, we definitely want to put our money towards the things we actually value because it turns out that the far reaching effects of mindless spending can leave you broke and wanting more from your experiences and stuff.

During this episode we enjoyed a Divided Sky Rye IPA by 4 Hands Brewing - a big thanks to Justin for donating this 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.

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