How to Money

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Latest Episodes:

Friday Flight - Airfare-Booking Sweet Spot, Worthless Work, & 1% Down Mortgages #717 Sep 01, 2023

Show notes

Time for a Friday Flight- our 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: T-Mobile autopay workaround, flight-booking sweet spot, skiplaggers beware, fancy airline seat upgrades, utilizing Instacart to save, worthless work, autonomy over pay, 1% down mortgages, rate forecasts, dropping homeowners insurance to save, & the best time to buy an iPhone.

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.

Avoid & Combat Crushing Medical Debt w/ Dr. Virgie #716 Aug 30, 2023

Show notes

Our guest today has a three step process that will ensure that you’re paying as little as possible for your medical care! This is good to know because the leading cause of personal bankruptcy is… you guessed it, medical bills! An estimated 100 million Americans have amassed nearly $200 billion in medical debt, and nearly 1 in 5 adults have medical debt in collections according to a study by the Journal of the American Medical Association. And that’s why we’re happy to have Dr. Virgie Bright Ellington joining us today- as a doctor and an insurance executive, she has had an inside look at our broken healthcare system, and her book: Crush Medical Debt, outlines the steps that we need to take to ensure that we’re not paying money that we don’t owe. We discuss the most common medical bill ‘errors’, why it’s important to ask for CPT codes, what to do with the CPT codes once you have them, how to avoid getting outrageous bills to begin with, and much more 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 Paso Fino Porter by Horsefly Brewing- thanks to Marck and Kaitlyn for sending this one our way! 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 - Side Hustle Seed Money, A Luxury Sports Car Splurge, & Early Access To Retirement Funds #715 Aug 28, 2023

Show notes

We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

1 - Should I draw on my Thrift Savings Plan to use as seed money for my new business?

2 - What advice would you have for me as a 16 year old who wants to start investing now so I don’t have to work forever?

3 - Do y’all think it’s a good idea to pay $50,000 cash for a new car when I currently have a car loan?

4 - Are all of my Roth 401k funds accessible penalty free, before age 59.5, after rolling them to a Roth IRA?

5 - I’m currently in Money Gear #7, should I pay off my home early or invest over the next couple of years?

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 JREAM by Burley Oak 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 - TikTok Shop, Bitcoiners Beware, & Kitchen Appreciation Fees #714 Aug 25, 2023

Show notes

Time for a Friday Flight- our 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: AMC stockholder perks, kitchen appreciation surcharge, swelling swipe fees, credit card rewards potentially on the chopping block, Aldi acquisitions, ghostly gift cards, unwealthy stocks, Bitcoiners beware, TikTok Shop, girl math, & canceled cheap 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.

Radical Money Advice for Couples w/ the RadCoaches #713 Aug 23, 2023

Show notes

Finances get a little more complicated when a significant other enters the equation. There might be additional income which is nice, but don’t forget about their debt, emotional baggage around money, and independent financial goals which hopefully become shared goals! There’s no right or wrong way to do it, and that’s why we’re excited to hear from a couple- the married duo behind RadCoaches, Rebecca and Dylan! Like a lot of Americans today, they found themselves in a financial situation they were less than thrilled with, but what sets them apart is that they did something about it. Shortly after getting engaged they decided to take control of their finances and over the next 18 months they paid off over $45,000 of debt. During that process Rebecca and Dylan realized that the sense of financial freedom they were experiencing was something they wanted to share with others, and thus RadCoaches was born. We discuss better ways for couples to combine their money, what it means to be financially intimate, whether or not women specific financial advice is needed today, and plenty 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 White Angel by Wicked Weed! 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 - Combining Our Finances, Dental Insurance Considerations, & When Whole Life Makes Sense #712 Aug 21, 2023

Show notes

1 - I’m considering getting dental insurance- is it worth it?

2 - Why should I invest when I’m making so much in my high yield savings account?

3 - Should I cancel my old whole life insurance policy?

4 - As an engaged couple, what are the best ways to budget and combine our finances?

5 - And a Frugal or Cheap: lemonade at the county fair edition!

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 Angel of Darkness by Wicked Weed! 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 - Pet Debt, Job Hopping, & Goldilocks Cash #711 Aug 18, 2023

Show notes

Time for a Friday Flight- our 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: gas prices on the rise, pet debt, iguana insurance, travel insurance alternative, car value tracker tool, job hoppers beware, superfluous self storage, (not so) cheap junk, a guaranteed way to lose your money, & Goldilocks 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.

Best friends out!

See omnystudio.com/listener for privacy information.

Small But Mighty Real Estate Investing w/ Chad Carson #710 Aug 16, 2023

Show notes

We’re stoked to be talking with our friend Chad Carson, aka Coach Carson, which is also where you can find him online: CoachCarson.com. We’ve known Chad for years now but just because this feels like a more casual conversation to us, that doesn’t mean that he’s not going to bring the heat! We tout the benefits of small-time real estate investing, but Chad has made it his mission, and it’s the focus of his new book: Small and Mighty Real Estate Investor. During our conversation today Chad describes his experience of living abroad for a year with his family and how investing in real estate made that possible, house hacking as a gateway drug to investing in real estate, the difference between building wealth and achieving freedom, the risk you run by discounting the ‘romance’ of a property, ways to get around the high cost of mortgage lending, why it makes sense to pay off a mortgage early, 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 Zeros to Heaven West Coast IPA by Casa Agria! 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 - Medical Bill Negotiation Sites, Choosing Between a Car or House, & A Bike Commuter Frugal or Cheap #709 Aug 14, 2023

Show notes

We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

1 - Should I pay off my car loan early or use that money for a down payment on a house?

2 - Is Goodbill a legit medical bill negotiation site worth trying?

3 - As a travel nurse that doesn’t stay with any hospital all that long, how should I approach investing for retirement?

4 - My buddy thinks it’s weird that I pay $25 for a gym membership so I can shower after my bike commute to work- frugal or cheap?

5 - Is it worth depleting my IRA if I can avoid getting a pricey mortgage or even reduce the amount that I have to borrow?

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 Kanazawa Hyakumangoku Pale Ale by Wakuwaku Tezukuri Farm Kawakita- thanks for sending this one our way Julia! 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 - Rusty Realtors, Insurance Issues, & Home Equity Expenditures #708 Aug 11, 2023

Show notes

Time for a Friday Flight- our 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: what lengths would you go for freebies, unemployment remains near historic lows, rusty realtors, realtor fees lawsuits, homeowners insurance issues, insurers pulling from Florida & California, Roth IRA FTW, disloyal to Disney, $1T on credit cards, and home equity expenditures.

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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