How to Money

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Latest Episodes:

Asking the Right Questions to Save More Money w/ Matt Schulz #836 Jun 05, 2024

Show notes

If you have kids or been around kids, you might have noticed that they’re not the best at solving their own problems. It’s a continual process of teaching them to advocate for themselves and that there’s more to it than just stating their problem. So for instance “I’m thirsty” might be a constant refrain and while it’s great to recognize the issue at hand, the goal is to turn that into a request: “Can I have some orange juice?” OK, now we’re getting somewhere! Now she’s taken a proactive step in solving her own problem. This is an important lesson to learn because as we’ll discuss today it’s basically up to us to resolve our own financial conflicts once we’re launched into the real world. We need to be our own advocates in every area of life, but certainly when it comes to our money! Joining us today is Matt Schulz who is the chief credit analyst at LendingTree, and he is also the author of the new book, “Ask Questions, Save Money, Make More” which is essentially a money manual that teaches readers the important questions we need to ask. So whether you naturally speak up for yourself, or would rather disappear back into the bushes, be sure and listen to this episode centering around individual empowerment.

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 Wernesgruner Pils, purchased at Aldi! 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 - iPhone Upgrades, Burden of the Gift Tax, & A Potential HSA ‘Gotcha’ #835 Jun 03, 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 - Who is on the hook for paying gift tax when money is given away to an individual?

2 - What should I do with my old 401k as I’m starting a program that doesn’t offer a 401k?

3 - Are medical expenses that are incurred outside of a HDHP window still eligible to be reimbursed by an HSA?

4 - Where should I go if I’m looking to make an affordable iPhone upgrade?

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 Danish Pilsner by Carlsberg! 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 - Recession Vibes, Addicted to Autos, & Paying for Friends #834 May 31, 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: a chargeback frugal or cheap, recession vibes, how low can groceries go, buying nothing, teens coming for your jobs, bagging work early, paying for friends, cars that are long in the tooth, addicted to autos, bookoos of bikes, affordable travel, and quiet vacationing.

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.

In This Economy!? w/ Kyla Scanlon #833 May 29, 2024

Show notes

Stimmy checks, the productivity paradox, the housing theory of everything – these are just a few of the topics covered with our guest, Kyla Scanlon. It’s tricky to describe who Kyla is and what exactly she does because, yes, she has a massive following on TikTok… but she’s not simply an influencer. She also has an incredible newsletter, but she isn’t simply a writer, even though she has written for the Times, NY Magazine, and Bloomberg. AND, her brand-new book, “In This Economy?: How Money and Markets Really Work,” was just released yesterday. But we think that ultimately Kyla is an educator because she excels at bridging the gap between the complexities of our modern economy and everyday living. It’s clear that she is passionate about empowering individuals with the knowledge they need to make informed financial decisions. Plus, she does all of this with a touch of humor while not ignoring the philosophical angle as well… happy listening!

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 Flight by Yuengling! 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 - Consolidating Multiple Retirement Accounts, Rolling Equity into a New Home, & Keeping Up with an Allowance #832 May 27, 2024

Show notes

1 - How should I factor the equity in my current home as we’re shopping for a new home?

2 - What is the best way to keep track of how much cash my kids have saved while we’re out shopping?

3 - If I have multiple retirement accounts, which one should I prioritize if I’m looking to simplify?

4 - The competition for rentals in my city is fierce- how do I stand out and set myself apart?

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 Covista Cerveza by Rock Wall Brewing (Aldi)! 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 - Forgetting Football, Home Improvement ROI, & Ignominious Investing #831 May 24, 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: naming beneficiaries, forgetting football, home improvement ROI, should I stage or should I go, child care premiums, WFH indulgences, ignominious investing, 401k mistakes, persistent pensions, Roth IRA surges, and learning while you’re earning.

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.

Conscious Capitalism w/ Whole Foods Founder John Mackey #830 May 22, 2024

Show notes

John Mackey is the remarkable entrepreneur best known as the co-founder of the natural and organic retailer Whole Foods Market. In over 40 years as CEO, John has led the company as it has grown from a single store in Austin Texas, to 540 stores in the US, Canada, and the UK. He also co-founded the Conscious Capitalism Movement and co-authored the New York Times and Wall Street Journal best-selling book by the same name. He’s written a number of great books since then but we’re really excited about his latest which came out yesterday, titled The Whole Story: Adventures in Love, Life, and Capitalism. It’s part memoir, part lessons in entrepreneurship, and we couldn’t recommend it enough. Join us as we have a great conversation around the origins of Whole Foods, if it’s possible to eat healthy foods that cost less, capitalism under fire, how John define conscious capitalism, what it takes to start your own business, 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 a Peak Mosaic by Hop Butcher for the World! 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 - Perpetual Homeowners Insurance, Deflating Your Taxes, & Paying Less for a Living Trust #829 May 20, 2024

Show notes

1 - Is perpetual homeowners insurance the everlasting gobstopper of insurance products?

2 - How can I reduce my property tax assessment?

3 - What important factors should I look out for at a living trust presentation?

4 - Should I consider a health sharing plan to save a ton of money every single month?

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 Mexican Cake by Westbrook! 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 - FREE cell service, Phantom Debt, & Politicized Investing #828 May 17, 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: public property foraging, FREE cell service, delinquent payments on the rise, more Gen Z credit card debt, phantom debt, chargeback safety net, political investing, Nancy Pelosi index, international exposure, and the Social Security time bomb.

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.

Apprenticeships: Earn AND Learn Simultaneously w/ Ryan Craig #827 May 15, 2024

Show notes

Apprenticeships aren’t just for blacksmiths! The notion that an individual could earn a living, while simultaneously learning how to do their job is such a foreign concept. That’s certainly not how we do things here in America where more folks believe that it takes money to make money! In recent decades more individuals have subscribed to the idea that you have to go to the most expensive college, take on a boatload of student loans, and saddle yourself with years of debt if you want a decent job that pays. Some of the most selective universities are quickly approaching the $100,000 mark… for a single year of college. Nothing has risen faster than the price of college over the decades. But, what if there was another way? We’re joined by education and workforce expert Ryan Craig who says that there are alternatives. His book, Apprentice Nation explores how a modern apprenticeship system will allow students and job seekers to jump-start their careers by learning while they earn, leading to greater workforce diversity and geographic mobility. Hear why other countries are beating us at the apprenticeship game, the types of industries that would greatly benefit from apprenticeships, why college and apprenticeships aren’t mutually exclusive, where you can go to find the best learn and earn programs today, 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 Adjustable Rate by Inner Voice! 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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