How to Money

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Latest Episodes:

Impoverished Upbringing to Money Monster w/ Listener Nick Gangwer #986 May 21, 2025

Show notes

We’re trying something completely new for our episode today: we’re hearing from a listener. Not in the form of a question submitted via voice memo, but we’re actually sitting down and having a ‘real money’ conversation, with Nick Gangwer. We met Nick at a listener hang about a year ago and his personal story and the proactive steps that he had taken to completely change his trajectory in life was incredibly inspirational to us as personal finance creators. And then more recently we realized that his story could be incredibly motivational to the broader HTM community of money nerds as well. So have a listen as we discuss growing up in a trailer park, scholarships to pay for college, saying ‘yes’ to every opportunity, buying a house in undergrad and house hacking, FIRE goals and much more!

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.
Find the best credit card for you with our new credit card tool!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed an Electric Jellyfish by Pinthouse 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.

Ask HTM - Special Roth Accounts, Investing During A Sabbatical, & Reverse Mortgages #985 May 19, 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 - Where should I open a Roth IRA for my kiddo now that she’s earning some money?

2 - What is it about reverse mortgages that makes them inferior financial products?

3 - Given the uncertain economic outlook this year, how should I invest?

4 - How can my wife contribute to a retirement account when she doesn’t have any earned income?

5 - Is it a problem that I’m keeping my emergency fund in a local brick and mortar in order to have fast access to cash?

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.
Find the best credit card for you with our new credit card tool!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a DDH Refreshing by Tired Hands 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 - Streaming Sports, Trade-In Tradeoffs & AI Lies #984 May 16, 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: home warranties, bringing down renovations costs, streaming sports, AMC Stubs, set-jetting to luxury resorts, Carvana making it too easy, car-free neighborhoods, ode to e-bike, AI lies, loneliness: there’s an app for that, Fortnite is back, tariff cease-fire, and financial anxiety.

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.
Find the best credit card for you with our new credit card tool!
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.

Practical AND Beautiful Investing Advice w/ Callie Cox #983 May 14, 2025

Show notes

What it means to have a practical and beautiful portfolio. How recent policy decisions have roiled the stock market. Right-sizing your risk tolerance… These are just a few of the topics we discuss with our guest Callie Cox who is a part of the Ritholtz Wealth Management team. She is also the author of OptimistiCallie, her newsletter where she seeks to deliver sane and rational advice to everyday investors, just like us (don’t think we’re completely immune to these turbulent times)! Callie works to make investors feel confident about their investments and informed about the money decisions that they’re making – we think that’ll be you after listening to this episode!

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.
Find the best credit card for you with our new credit card tool!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed Pineapple Vanilla Milkshake IPA by Whistle Hop! 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.

Ask HTM - Unnecessary Credit Cards, Creatively Funding Grad School, & Dropping Car Insurance To Save #982 May 12, 2025

Show notes

1 - How necessary is a credit card to get by in life?

2 - What are some creative ways to pay for graduate school as I’m interested in a mid-life career shift?

3 - Does it make sense to switch to Roth contributions since my wife will be retiring soon?

4 - Should we drop full coverage insurance on our cars in order to beef up our savings?

5 - Cash gifts to small kids: cash in jars, earmarked in my HYSA, or their own savings account?

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.
Find the best credit card for you with our new credit card tool!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Guillotine of Contemplation by Burial! 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 - Paper Wealth, Target Date Trends, & Bye Bye Buffett #981 May 09, 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: Best Buy and Walmart policy updates, homes are getting smaller, paper wealth effect, target date trends, gold beating out VOO, bye bye Buffett, beneficiary brushup, credit repair companies, medical debt dings, fintech vs real banks, and boosting your Social Security benefit!

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.
Find the best credit card for you with our new credit card tool!
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.

Creating a Post-Layoff Action Plan w/ Marlo Lyons #980 May 07, 2025

Show notes

Gone are the days of constantly job hopping in order to rapidly boost your salary! Remember when perusing new job listings during your lunch break while WFH led to a 10-30% pay bump?! Now, with the uncertainty we’re experiencing in the overall market, it’s not just the new hires who are a bit nervous about hanging onto their jobs. Even government workers who thought they had fairly secure positions might be on the chopping block. Long-time employees are experiencing job insecurity! Which is why we’re glad to speak with career coach Marlo Lyons, because not only does she have over 20 years of experience in the hiring and firing field, but she has personal experience and a unique perspective having been fired herself. Marlo is the author of “Wanted: A New Career” where she goes in-depth on pivoting to a new career, she has a new book out about landing that first job, and she’s host of the Work Unscripted podcast. Listen as we discuss the shifting job market, focusing on “can do” jobs vs “want to do” jobs, three steps that everyone looking for a job needs to take, and plenty more during this episode!

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.
Find the best credit card for you with our new credit card tool!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed an Art Car IPA by Saint Arnold 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.

Ask HTM - Pro Help to Break the Paycheck to Paycheck Cycle, Down Payment Money Market Accounts, and Viable Student Loan Forgiveness Plans #979 May 05, 2025

Show notes

1 - How can I find a financial coach to help me to quit living paycheck to paycheck?

2 - Should I put my savings in a money market account if I’m saving up for a home down payment?

3 - Which student loans are actually going to be cancelled after a period of time?

4 - I have thousands in medical bills that are coming due - should I put those charges on a credit card if I have the cash?

5 - Does it make sense to sell the old truck in order to pay off our house a few months earlier this year?

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.
Find the best credit card for you with our new credit card tool!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Spring by Creature Comforts! 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 - Thrifty Trucks, Pricey Parking, & Soaring Secondary Costs #978 May 02, 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: secondhand gifts, the #1 thing for financial well-being, how much you actually need in an emergency fund, thrifty trucks, the most affordable cars to insure, pricey parking, paying interest at the grocery store, performing a food waste audit, bye buy Temu and Shein, soaring secondary costs, how much life did that cost you?, & plummeting plane (tickets)!

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.
Find the best credit card for you with our new credit card tool!
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.

Student Loan Shakeup w/ Travis Hornsby #977 Apr 30, 2025

Show notes

The Feds are cracking down on defaulted student loans! According to the new US Education Secretary, it’s time for student borrowers with federal loans to begin making payments. The clock is ticking and May 5th is the date that nearly 2 million borrowers are going to be moved into repayment plans and collections will begin for loans that are in default with over 5 million borrowers at risk of garnished wages. This is a massive shakeup from what borrowers have experienced over the past 5 years, and we’re thankful to be joined by founder and CEO of Student Loan Planner, Travis Hornsby to parse the details. Travis has a massive amount of experience having consulted on several billion dollars of student debt and today we discuss what borrowers should do to avoid wage garnishments, whether PSLF is under fire, some simple steps to take to ensure that borrowers are paying as little as legally possible, and more!

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.
Find the best credit card for you with our new credit card tool!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed an Only Calling Hours Pull Me Back To These Midwestern Roots by Burial and Hop Butcher (yes, that’s the actual name of that beer)! 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.

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