How to Money

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Latest Episodes:

Cheap Meal Prep For Struggling Chefs w/ Frankie Celenza (Bestie) #846 Jun 28, 2024

Show notes

What do Michelle Obama and Novak Djokovic have in common? Well at the very least they’ve both enjoyed meals by today’s guest, Frankie Celenza. And if you think about it, whether you’ve lived in the White House, or you’re the number one tennis player in the world, or if you’re just scraping by on a meager income, there is nothing more elemental than our need to eat food. We’re all united by the fact that we get hungry! And while some folks might like to splurge when it comes to meals, the rest of us are looking for ways to cut those costs so we can reach other financial goals. Frankie is a Daytime Emmy award winning culinary host and his show, Struggle Meals, is all about getting the most bang for your buck in the kitchen, both for your wallet and time savings. He is truly a professional in the kitchen and today we talk about buying seasonally, how to be more efficient while we cook, canned vs frozen veggies, redefining what it means to ‘cook’, and of course some of his favorite meals that are affordable and easy to prepare.

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 Fluffy Cow Hazy IPA by Gruner Brothers- thanks for donating this one to the show Katie! 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.

Car Buying with an Edge w/ Ray & Zach Shefska #845 Jun 26, 2024

Show notes

One of the reasons we’re pumped to have our guests joining us today is because it might finally be time for you to buy a car! Supply chains were snarled during the pandemic leading to auto values actually increasing pretty much across the board. It was a terrible time to buy a car – prices weren’t depreciating, they were appreciating! But regardless of the macrotrends, cars are expensive, transportation is a massive line item on most American’s budgets, and here to talk to us about how you can spend less on that car is Ray and Zach Shefska, the founders of CarEdge. CarEdge is a customer-centric buyers agent that gets you the best deal possible, and the founders are going to share their secrets on how you can pay the least for your new ride. Combined they have over 40 years of experience in the car business and we’re going to discuss the questions to ask dealerships, the fees to push back on, and timing it just right to ensure you snag the biggest discount.

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 Gimme the Lup by Steady Hand 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 - Max Car Rental Savings, Fun Money Convos with Partners, & Diversifying with REITs #844 Jun 24, 2024

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 - What’s the best way to have an impactful and fun money meeting with my partner?

2 - Mortgage rates and home prices are keeping me from diversifying my portfolio – should I invest in REITs instead?

3 - Should I pay off my mortgage or renovate my home?

4 - Is it worth letting an insurance company track my driving in order to reduce my premium?

5 - Re-shopping a rental car to save massive amounts of money!

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 Bike Tour, which is a Helles Lager 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 - Avoiding Upsells, HOA Hell, & Astrological Investing #843 Jun 21, 2024

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: putting rent on your credit card, the cheapest way to travel, online passport renewals, avoiding upsells, open-jaw flights, HOA hell, rising costs of home ownership, syndicated real estate investing, astrological investing, AI investing, the bubble of all bubbles, “spaving” your way to riches, the free trial trap, & schlepping ‘n shopping.

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.

Millionaire Mission w/ Brian Preston #842 Jun 19, 2024

Show notes

“Who wants to be a millionaire?!” doesn’t quite have the same ring to it in the age of crypto, memestocks, and general inflation where everything costs way more than a few years ago. But t’s still a laudable goal that many folks should be working towards, and our guest today believes that anyone can become rich. Of course it doesn’t happen overnight but Brian Preston lays out a nine-step system for building wealth with the money you already have, in his new book Millionaire Mission. It’s a practical guide that will teach you how to level-up your finances, while simultaneously worrying less about money by focusing on what really matters to you. Millionaire Mission will do more than help you optimize your army of dollar bills - it will motivate you to be the best version of your financial self. We discuss everything from working as a UGA bus driver in college, to the messy middle stage of life when we have so many competing financial goals, to when it makes sense to hire a financial advisor, and plenty more in this convo 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 thoroughly enjoyed a Savannah Banana Beer by Service 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 - Budgeting with Gift Cards, Inheriting Debt, & the Hidden Costs of Early Retirement #841 Jun 17, 2024

Show notes

1 - Which of my parents’ debts will I be on the hook for once they (inevitably) pass away?

2 - As a longtime FIRE adherent, how can I switch from a saver to spender mindset?

3 - How should I factor gift cards into my budget in order to accurately reflect my spending?

4 - What are some of the hidden costs of early retirement that I should be accounting for?

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 thoroughly enjoyed a Community Connection by Creature Comforts and Dancing Gnome! 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 - Reverse ATMs, Rich Restaurants & The Best Investment on the Planet #840 Jun 14, 2024

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: refurb iPhone fail, public library win?, reverse ATMS, king credit card, the best investment on the planet, mortgage rate disparities, the medical industrial complex, rich restaurants, super-commuters, time is money, teen (e-bike) drivers, and the best high mileage cars.

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.

Make Money Without Having Any w/ Ciera Rogers #839 Jun 12, 2024

Show notes

This is the episode for everyone out there who doesn’t want to work a soul crushing 9-5 job, specifically the kind of job where you’re being told what you can and can’t do, by someone else. This is an episode about entrepreneurship and starting your own business! Which even that phrase is potentially problematic, because what do some folks think of when they hear “launching a business”? Maybe they’re thinking of shows like Shark Tank, or of different rounds of funding, or proposing a business plan – and while that is how some businesses begin, the vast majority of small business owners won’t be running Fortune 500 companies nor will they be featured on the next episode of How I Built This. But those endeavoring individuals do have a great idea for a new product, or a way they can serve people who are willing to pay. And our guest today, Ciera Rogers, is here to share how she started her business: Babes, which is a women’s wear line that has been worn by the likes of Kim Kardashian and praised by Beyonce. Ciera recounts her journey in her new book “The Outsider Advantage” which comes out June 18th, how at the end of the day it’s all about solving problems, how she still is frugal at heart, and plenty more during today’s 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 Svitle by Obolon Brewery! 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 - To Make or Not To Make the Insurance Claim, When Bankruptcy Makes Sense, & Exceeding the FDIC Limit #838 Jun 10, 2024

Show notes

1 - Is filing for bankruptcy the best option considering overwhelming amounts of debt?

2 - Should I have multiple high yield savings accounts if my cash on hand exceeds the FDIC limit?

3 - What options does my husband have to invest as he waits on his US citizenship?

4 - Would a HELOC be a smart way to pay off some credit card debt?

5 - Will filing an insurance claim for my cracked windshield cause my premiums to go up?

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 Heineken Silver! 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 - Forgotten 529s, Abandoning Insurance, & Wrecked Credit Reports #837 Jun 07, 2024

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: the worst thing about the burbs, leveling up with private equity, not all that glitters is gold, forgotten 529s, abandoning insurance, brick and mortar perks, paying off mortgages, homes for $0 down, wrecked credit reports, and subbing out your social security number.

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.

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