How to Money

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Latest Episodes:

Achieving Financial Independence in the Military with Doug Nordman #166 Feb 17, 2020

Show notes

Our guest today, Doug Nordman starts every morning by checking the surf forecast to see how he’s going to spend the day. He and his wife are financially independent and live on the island of Oahu, which is a surfer’s paradise! Doug was able to achieve this amazing life by taking advantage of the financial benefits offered to him by the military, as well as through standard practices like budgeting and investing extra money towards retirement. He was enlisted in the Navy where he had a career as a submariner, and now he writes about money over at The-Military-Guide.com. And while most all of us have a chance to become financially independent, Doug believes members of the military are even better positioned for financial success. We’ve never had a member of the armed forces on the show before so we’re excited to hear some of the unique money challenges and advantages that members of the military experience.

During this episode we enjoyed a Bodhizafa by Georgetown Brewing Company - a big thanks to Richard 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!

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See omnystudio.com/listener for privacy information.

WTD When Markets Decline #165 Feb 12, 2020

Show notes

There will be declines in the stock market, and you’ll likely see the amount of money you have invested begin to drop. This is normal during a bear market- stay calm! It’s also OK to feel a little nervous. We are emotional creatures after all, and while it’s fine to feel a little anxious if you’re hemorrhaging money in your investments, it is NOT fine to react to these declines by selling and getting out of the market. It doesn’t help that the 24-hour news cycle and media outlets are fueling any uncertainty you might have by proclaiming doom and gloom. So in this episode we’re going to discuss what actions we should take, before and during a market crash, and how to harden ourselves to weather the financial storms that accompany a major market decline.

During this episode we enjoyed a Bretta Weisse by Firestone Walker - a big thanks to our friend Josh 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 - Is ID Theft Insurance Worth It, Reducing Car Insurance Rates for Kids Who Rarely Drive, and the Merits of Balancing a Checkbook #164 Feb 10, 2020

Show notes

This week on the podcast we’re answering your questions!

1 - Should I continue to balance my checkbook every month, or is it a waste of time?

2 - I have 2 daughters who rarely drive- how can I reduce how much I spend on their car insurance?

3 - Should I purchase a primary residence or a couple investment properties instead?

4 - Is identity theft insurance worth the money?

5 - As a small business owner, should I consider offering a SIMPLE IRA or a 401k?

And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/

During this episode we enjoyed an Agrestic by Firestone Walker - a big thanks to our friend Josh for donating this beer to the show, and as a friend of the show you’ve earned enough points and have officially reached ‘red status’! 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.

Saving vs Investing #163 Feb 05, 2020

Show notes

Are you saving your money when instead you should be investing it? Or maybe you’ve been investing, but alternatively you should be saving! Folks get confused as those terms are often used interchangeably, but they are very different. For example, we call it “saving for retirement” when we are actually “investing for retirement.” Saving and investing are both important and have their place, and so the trick is knowing when you should be doing either. During this episode, we’ll cover some of the different indicators and considerations that will help you to determine whether you should be saving or investing. And it depends on your goals, but there’s a good chance you’ll need to do both!

During this episode we enjoyed a Kong Double Hazy IPA by BarrelHouse Brewing Co - a big thanks to our friend Josh 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.

Selling a House for Top Dollar with Mindy Jensen #162 Feb 03, 2020

Show notes

Wanna sell your house for a lot of money? Then it would behoove you to listen to this interview! Our guest today, Mindy Jensen, is a licensed real estate agent in Colorado and has been buying and selling homes for about 20 years. And not only does she buy and sell them for her clients, but she’s an investor herself and specializes in live-in flips. Mindy works for BiggerPockets.com where she helps investors learn the proper ways to invest in real estate and she also co-hosts the podcast BiggerPockets Money. In this episode we talk through how you can sell your home for the most money possible.

We’re also going to give away 10 copies of Mindy’s book, “How to Sell Your Home: The Essential Guide to a Fast, Stress-Free, and Profitable Sale”. To be entered to win, just make sure you’ve left us a solid review over in Apple podcasts or Stitcher, and then shoot us an email at HowToMoneyPod@gmail.com with your screen name. That’s it!

During this episode we enjoyed a Slammin at the Club by Casa Agria Specialty Ales- thanks to our buddy Josh for donating this one! 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.

Automating Your Finances FTW #161 Jan 29, 2020

Show notes

We live increasingly busy and complex lives and the same is true of our money. Repeatedly making smart money moves is hard. It’s easy for us to forget or just get plain lazy when it comes to doing the right thing with our funds. Between our different bank accounts, multiple credit cards, and debt obligations, it can be difficult for us to take action on a consistent basis that will have a long-lasting effect on our personal finances. That’s where automation comes in- it helps us to engineer money success ahead of time, instead of trusting ourselves in the moment to continually muster the willpower to make it happen. But like many of the financial tools at our disposal, it’s not all puppies and rainbows. So, in addition to the clear benefits, be sure to listen and learn why you should also be careful when it comes to employing automation in your personal finance life.

During this episode we enjoyed a Dayglow IPA by Elysian Brewing Company - a big thanks to Joe in Minnesota 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!

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

See omnystudio.com/listener for privacy information.

Ask HTM - Rent or Buy a Car for Trips, Saving Money with Pet Health Insurance, and Reducing Student Loan Minimum Payments #160 Jan 27, 2020

Show notes

This week on the podcast we’re answering your questions!

Our family has outgrown our current car so our multiple road trips every year are getting cramped. Should we purchase a new (used) car, or rent a larger vehicle as needed?
Does the 5 year holding period apply to my contributions of my Roth IRA?
Should I purchase pet insurance?
I’d like to save up a down payment for a home but I’m also currently paying down debts using the debt snowball method. What should I do?
I have student loans and I also qualify for Public Service Loan Forgiveness- how can I reduce the minimum amount that I owe every month?

And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/

During this episode we enjoyed a King Sue by Toppling Goliath Brewing - a big thanks to Joe in Minnesota 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.

Creating a Debt Payoff Plan #159 Jan 22, 2020

Show notes

Personal levels of indebtedness are at all time highs in our country. Consumer spending is growing, 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 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.

Freelance to Freedom with Vincent Pugliese #158 Jan 20, 2020

Show notes

If you’re thinking about starting your own side hustle, then this episode is a #MustListen! Vincent Pugliese is a husband, dad, and a professional photographer who started out at making $15 an hour working for the local newspaper, to paying off $140,000 in debt in 4 years. Through his journey to become debt free, he discovered the power of being self-employed, and the impact it can have towards not only achieving financial freedom, but time freedom and life freedom as well. During this process, Vincent wrote the book Freelance to Freedom which has inspired many who want to quit their day jobs and start their own businesses in order to take control of their lives.

During this episode we enjoyed a S’Mores Yeti by Great Divide- thanks to our friends there at the brewery for donating this one! 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.

When Frugality Doesn't Cut It #157 Jan 15, 2020

Show notes

We can only go so far with being frugal, before we venture into the realm of cheap. Now don’t get us wrong- frugality is a great tool in your personal finance swiss army knife. We’re frugal fellas ourselves, and we love seeing what money saving steps our friends and listeners are implementing into their lives, but frugality alone doesn’t cut it. There are times when you need to make larger cuts and prioritize the other tools in your personal finance swiss army knife to help you achieve your money goals. Today we’re going to discuss the role frugality should play in our financial lives and how to use the other tools at your disposal when adding more frugal hacks to your life just won’t do the trick.

During this episode we enjoyed a Hibernation Ale by Great Divide- thanks to our friends there at the brewery for donating this one! 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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