How to Money

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Latest Episodes:

Friday Flight - Discount Burnout, Bubble Trouble, & Rejoicing Renters (plus roadkill, gold bars, more...) #1056 Oct 31, 2025

Show notes

Time for a Friday Flight- our little 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 them 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:

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

I’m not sure who needs to hear this but Health Savings Accounts, or HSAs, are the ultimate retirement accounts.
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.
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.

DIY or Delegate: the Financial Advisor Conundrum w/ Pam Krueger #1055 Oct 29, 2025

Show notes

A financial advisor WON’T magically fix your money problems, but many folks assume that by hiring a professional, they’re well on their way to financial success. Maybe, but maybe not, because a bunch of different factors come into play. And who better to have this discussion with other than award-winning investor advocate and financial educator Pam Krueger. She began her career as a stockbroker before moving into financial media, where she created and co-hosted the PBS series MoneyTrack where her work emphasizes transparency, investor protection, and understanding how advisors are compensated. Pam is also the founder and CEO of Wealthramp, a platform that connects consumers with vetted fiduciary financial advisors and today we discuss:

Determining if you should DIY or delegate
The one silver bullet in everyone’s financial journey
Conflicts of interest and the fiduciary standard
Fee-only advisors, unbiased advice without commissions
Expecting transparency in advisor fees
Paying for “meh” financial advice
Breaking up with an advisor if you’re unhappy
How Wealthramp advisors are vetted and finding the right advisor for you!

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

Head to HowToMoney.com/advisor if you’re interested in a SOLID financial advisor who will be a great fit for you.
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!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

Best friends out!

See omnystudio.com/listener for privacy information.

Ask HTM – Sinking Funds for BIG Purchases, PTO Advances, & Investing for Early Retirement #1054 Oct 27, 2025

Show notes

Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!

1 - Savings rates: how should I account for a disability payment when calculating my savings rate?

2 - $300,000: if I want to retire early in a couple years, what should I do with a settlement payout?

3 - 401k faux pas: WTD with my 401k that I overcontributed to last year?

4 - New car: how should I save up for a new ride I might buy in 5-6 years?

5 - Credit repair: student loan autodraft got dropped, credit score busted, now pay to get it fixed?

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

Calculating your savings rate and knowing that single metric can give your finances the boost needed to achieve early retirement.
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.
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Presence of Another World by Bissell Brothers! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or 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 - Moneyless Millionaires, Credit Card Churning & AI Goes E-Commerce #1053 Oct 24, 2025

Show notes

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

I’m not sure who needs to hear this but Health Savings Accounts, or HSAs, are the ultimate retirement accounts.
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.
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

Best friends out!

See omnystudio.com/listener for privacy information.

Can Love Survive a Budget!? w/ Doug & Heather Boneparth #1052 Oct 22, 2025

Show notes

Figuring out your money is tough enough if you’re flying solo. Doing it with your partner ramps up the difficulty level because you're throwing in varied money history, habits, and goals. It can create a lot of friction! Our guests today have a lot of great advice for couples looking to do better with their finances and create a ‘team vibe’ with their partner. If you looked up the definition of ‘power couple’ in the dictionary, you just might see a picture of Doug and Heather Boneparth next to it. Doug has built his own successful financial advisor firm while simultaneously tweeting hilarious memes. Heather is a former corporate attorney and director of business affairs for that firm, Bona Fide Wealth. They’ve written the fabulous new book ‘Money Together’ which launches next week on the 28th, and today we discuss:

How understanding individual money histories is crucial for couples
Impact of shame around finances
Balancing individual and shared goals
Creating positive financial vibes
Regular money dates
Investing in one area often requires sacrifices in another
It's important to recognize the contributions beyond monetary income
And plenty more!

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

DoMoneyTogether.com is where you can go to learn all about Heather and Doug’s book. ReadTheJointAccount.com is their newsletter and BoneFideWealth.com is their wealth advisory firm.
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!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

Best friends out!

See omnystudio.com/listener for privacy information.

Ask HTM - Medium-Term Investing Conundrums, Naughty Credit Card Behavior, & Vapid Vesting Periods #1051 Oct 20, 2025

Show notes

1 - Credit card no-nos: after getting a $900 welcome offer should I take advantage of one year of no interest?

2 - HSA: what’s the best way of keeping up with medical expenses so I can invest my HSA funds?

3 - 403b: should I participate in my 403b if I don’t think I’ll stay long enough to vest?

4 - Roth IRA: explainlikeimfive, how exactly do I invest in my Roth?!

5 - Medium term investing: is 2-3 years long enough to invest a down payment?

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.
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Twin by Living Waters 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 - Accidental Landlords, Debilitating Debt & The WFH Premium #1050 Oct 17, 2025

Show notes

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.
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

Best friends out!

See omnystudio.com/listener for privacy information.

Money Truths You Won’t Hear Anywhere Else w/ Len Penzo #1049 Oct 15, 2025

Show notes

Our guest today is a self professed personal finance oddball! Len Penzo spent 35 years in the aerospace industry before retiring at age 58 as an electrical engineer. Along the way he launched LenPenzo.com in December 2008 (he even helped to give Joel a start writing personal finance content back in the day). Since then, the blog has drawn millions of readers and earned awards from publications like Kiplinger. Len’s work has appeared in outlets like Forbes, Time, Business Insider, CBS MoneyWatch, and he’s been featured on radio and TV segments. And he now has a new book out called True Money Stories that’s about the intersection of money and family life. We discuss:

Intelligence vs. financial management
Running household finances like a business
The importance of honesty in personal finance
Allowing children to make financial mistakes
The annual sandwich survey and inflation
Navigating retirement and long-term care
And much more!

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

Check out Len’s book True Money Stories, more of his writings at his site, and follow over on X.
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!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

Best friends out!

See omnystudio.com/listener for privacy information.

Ask HTM – Quick Cash with eBay, Making Quarterly Estimates, & a Home Appraisal Goes Awry #1048 Oct 13, 2025

Show notes

1 - eBay: when to list and when to sell locally?

2 - Quarterly estimates: making estimates vs increasing withholding to avoid the tax shock

3 - Backdoor Roth IRA: is the window closing to make backdoor Roth IRA contributions?

4 - Buying a home: when it makes sense to make an as-is offer?

5 - Selling a home: what should I do if the appraisal comes back below the offer price?

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

We referenced this holistic tax planning conversation with CFP Cody Garrett.
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.
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Rice Lager by Hi-Wire 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 - Refi Revival, Delay Pay Disaster, & Landline Love! #1047 Oct 10, 2025

Show notes

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.
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

Best friends out!

See omnystudio.com/listener for privacy information.

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