How to Money

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Latest Episodes:

Cultivating a Wealthy Mindset w/ Shang Saavedra #956 Mar 12, 2025

Show notes

Living on one partner’s income, stepping away from corporate America, firing up a serious side hustle… these are just a few of the topics we’re discussing with our guest today. Shang Saavedra is a financial coach, founder of the site Save My Cents, and now author of the new book “Wealth is a Mindset.” Shang lives at the intersection of mental health and financial wealth, and she uses her own personal experiences, like achieving financial independence by the age of 31, to help others to achieve their own financial goals. We discuss ambition, living in NYC, making sacrifices for a better future, and plenty more during our episode today!

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 Three Headed Monster by New Realm! 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 - Finding Travel Deals, 401k Match Changes, and Our Take on Long Term Disability #955 Mar 10, 2025

Show notes

Let’s dive into 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 - Should I be wary of changes made to my 401k match that are actually more generous?

2 - I already have my own long term disability policy in place, but should I drop if for one provided by my employer?

3 - How can I continue to contribute to my Roth IRA if I expect my income to continue to rise?

4 - What’s the best way to book a deal on some upcoming travel?

5 - Is it frugal or cheap to only charge my EV during off-peak hours?

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 Birramisu by Six Bridges 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 - Student Loan Shakeup, Doom Spending, and the Mounting Mini-Stagcession #954 Mar 07, 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: more cultural events means less depression, student loan shakeup, credit score drops for borrowers, best new cars, totaled cars leading to paying out of pocket, e-bike rebates, doom spending, mounting mini-stagcession, affordability czar, and the national crypto reserve.

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.

Launching an Offbeat and Sustainable Business w/ Jason Zook #953 Mar 05, 2025

Show notes

“Solve a problem for people in an interesting way” and “There’s not one way to do business”... those are just a couple quotes from our conversation with Jason Zook. Our goal for this episode is for you to finish listening, and to be completely inspired to start your own small business. Unfortunately, there can be this aura around starting an “official business” that keeps creative individuals who have great ideas from pursuing something that is going to light them up and prove to be successful. Sure, getting an MBA might be the best path to take for a certain subset, but there are a lot of folks who might be better served by just going for it, and figuring it out along the way! And here to talk about that is Jason, an entrepreneur who takes a very unconventional approach to business formation. He and his wife currently run Wandering Aimfully, which is a platform that seeks to help creative entrepreneurs build successful, sustainable businesses that fit with their lifestyle, all while avoiding the burnout that tends to come with hustle culture. Listen as wee discuss everything from Jason auctioning his last name, creating ‘calm’ businesses, to living abroad in Portugal 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 a Na Chouffe by Brasserie Chouffe! 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 - Cashback vs Travel Points, Letting a Brokerage Cook, and the Right Way to buy a First Home #952 Mar 03, 2025

Show notes

1 - Cash back or travel points credit card… aren’t the rewards basically the same?

2 - Should I continue to let my investments in my taxable brokerage account continue to grow or should I focus on my mortgage?

3 - What factors like size and location should we consider when buying our first apartment?

4 - Does it make sense to pay for a credit lock with the 3 major credit bureaus?

5 - Can you help me understand Joel’s Costco Instacart hack?

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 2025 Bigfoot by Sierra Nevada! 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 - Brainless Borrowing, DOGE Dividends, & Abroad on a Budget #951 Feb 28, 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: renting the fancy clothes, lowest cost airports, the frequent flier switch, going abroad on a budget, secondary credit card benefits, referral bonus taxation, (not so) unlimited PTO, saving the most with health sharing, ghost tax preparers, DIY vs tax pros, brainless borrowing, updated Money Gear #1, and DOGE dividends.

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.

Navigating the Insane Insurance System w/ Consumer Reports' Lisa Gill #950 Feb 26, 2025

Show notes

The price of gas, the price of eggs and milk- these are the kinds of expenses that we’re very sensitive to as consumers because of how frequently we make these purchases. And don’t forget visibility of course with the price per gallon essentially plastered on electronic billboards we consistently drive past! But the cost of insurance feels like the exact opposite. We rarely shop for coverage, it’s not often discussed, and automatic payments insulate us from rising premiums. In the case of homeowners insurance there’s an additional layer of insensitivity in the form of escrow. But insurance is becoming more of a burden and here to tackle this problem is Lisa Gill from Consumer Reports. Lisa is an investigative journalist and we’re going to discuss everything from wildfires to prescription drugs, what to do if you receive an insurance cancellation notice, the steps to take when you receive a medical bill that’s way too high, and much more during our 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 a Primordia by Freak Folk Bier! 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 - Is Direct Indexing Worth It, Sticky Cosigning Situations, & Kiddos With Credit Or Debit #949 Feb 24, 2025

Show notes

1 - What do I do about money being taken out of my savings because of a student loan I co-signed?

2 - Should I invest in a 401k with unfavorable terms or my brokerage account instead?

3 - Is it worth paying extra for direct indexing, given the additional benefits like tax loss harvesting?

4 - Do I link a credit card or a savings with a debit card, to my 11 year old’s Apple Watch?

5 - If I had to choose one: IRA or HSA?

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 Tiny Esses by Prairie Artisan Ales! 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 - Federal Layoffs, Renting Roosters, & VOO FTW! #948 Feb 21, 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: Joel’s portable pop up sauna, cooling housing market, horrible HOAs, federal layoffs, financial resiliency with a Bare Bones Budget, affordable iPhones, the cheapest cell coverage, renting roosters, forsaking fast food, craft beer tariffs, investing to overcome inflation, 401k retirees, and VOO FTW!

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.

Breaking the Hidden Barriers to Financial Freedom w/ Jessica Moorhouse #947 Feb 19, 2025

Show notes

We’re joined today by Jessica Moorhouse who started out as a blogger, looking for a creative outlet and way to hold herself accountable, and is now a financial counselor, speaker, and host of her own podcast- More Money. She is also the author of the new book, “Everything But Money: The Hidden Barriers Between You and Financial Freedom”. Jessica is all about providing easy to understand advice, delivered in a non-judgemental way, and she believes that there’s a lot of stuff that gets in the way of us being able to achieve our financial goals. Maybe most folks already know how to invest, but what they need is help with the trauma from their upbringing!? Maaaybe we even get into our own money stories from way back when, back when we were little kids and how that shaped our personal views of money… we get into all of that and more during our conversation today!

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 Deduction by Taxman Brewing Co! 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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