How to Money

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Latest Episodes:

The Science of Smarter Spending #626 Feb 01, 2023

Show notes

We love nerdy board games! And one of the things that makes them fun, besides getting to play them with friends and family, is the competition for scarce resources. For instance with the Settlers of Catan, it takes a few rounds of play to get the resources you need to build the settlements, cities, and development cards that help you rack up victory points in Catan. It’s a classic that still holds up, and like most games it's all about tradeoffs. Should you focus on building a road or upgrading to a city? You can’t do it all and you can’t get everything you want all at once. And it turns out that our financial lives are kind of like a game of Catan as we’re always making tradeoffs as well- in particular when it comes to our expenses. We’re torn between the decision of spending big money on an item that we know is going to last, versus an inferior item that will get the job done- at least for a little while, before inevitably breaking. Today we talk about the pros and cons of planned obsolescence, the culture of disposability, the buy it for life movement, as well as changing the way we think to ensure that we’re allocating our dollars to maximize satisfaction!

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.
Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed a Song of Winter by Hill Farmstead- a big thanks to Michael and Emily 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.

Frugal Traveling with the NYT Elaine Glusac #625 Jan 30, 2023

Show notes

Everyone loves to travel! Who doesn’t enjoy exploring a new country, tasting new and interesting foods, diving into the history and culture of a new city? Or if you’re less adventurous, at the very least kicking back and living like a local might sound appealing to you. But the problem is that it’s too expensive to travel!... Or so you think. This is why we’re excited to have Elaine Glusac, who is also known as The Frugal Traveler over at the NYT, joining us on the podcast today. We’re going to discuss the tricks to book the most affordable flights, if it’s frugal or cheap to go with the discount airlines, Elaine’s favorite under the radar destinations, her advice for traveling with kids, and plenty 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.
Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed a Society & Solitude #6 by Hill Farmstead- a big thanks to Michael and Emily 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.

Friday Flight - Prime Prescriptions, Gold Digging Dinner Dates, & Stellar Customer Service #624 Jan 27, 2023

Show notes

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it 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: saving $200 a month on car insurance, negotiating down major appliances, Prime prescriptions, financial planner predicaments, gold digging dinner dates, stellar customer service, living in a scamsters paradise, 72 minute daily commutes, & remote jobs on the decline.

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.
Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

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.

Maximizing Your Income in 2023 #623 Jan 25, 2023

Show notes

Focusing only on cutting your expenses in order to invest more money, is just like only focusing on cutting out sweets in order to lose weight. It’s a great start, but there’s more to it than that! Because not only do you need to adjust how many calories you’re consuming everyday, but you’ll also need to address how many calories you’re burning- yes indeed, we’re talking about exercise! It takes a two pronged approach to see the most impactful change on your weight and overall health. And similarly it takes addressing both your expenses and your income in order to see the biggest changes when it comes to your personal finances. So during this episode we focus on why 2023 is the perfect time to boost your income, how to determine if you’re underpaid, the single factor that will lead to higher pay, assessing more than just your annual salary, and many more ways to maximize your income 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.
Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed a Painting Dreams Citra by Fidens Brewing- a big thanks to Michael and Emily 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 - Combining Our Lives/Money, REITs vs Real Estate, & Cutting Childcare Costs #622 Jan 23, 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 - How should my fiancé and I go about combining our bank accounts, credit cards, and investments?

2 - Should I stop contributing to my Roth IRA until I’m able to fully replenish my six month emergency fund?

3 - Are REITs inferior to investing in actual real estate?

4 - When should I consider opening a specific business checking account?

5 - Daycare and other kid expenses are quite large- what are some ways to cut those bills?

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.
Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed a Jasper with Peacharine by Fidens Brewing- a big thanks to Michael and Emily 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.

Friday Flight - Tax Loopholes, Savers' Paradise, & Shopper Revolts #621 Jan 20, 2023

Show notes

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it 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 cheapest hot dog combo, tax season is upon us and where to file for free, tax loopholes or deductions, the total cost of being a ‘pet parent’, budgeting to maintain your home, smaller down payments on the rise, traffic is costing you real money, the solution to city congestion, shopper revolts, savers’ paradise, & boosting your income with higher wages.

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.
Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

Best friends out!

See omnystudio.com/listener for privacy information.

A Foolproof Plan to Ditch Debt #620 Jan 18, 2023

Show notes

Sitting on your butt is killing you! According to the Heart Foundation, folks who sit the most are 90% more susceptible to dying from cardiovascular events like heart attacks and strokes. And while taking a load off and having a seat isn’t going to immediately harm you, the accumulation of years and decades of a more sedentary lifestyle could lead to an earlier death! And we feel similarly when it comes to consumer debt. Paying a little interest this month isn’t going to completely wreck your financial future, but it’s a real problem if it becomes a permanent fixture in your life. Not to mention the fact that credit card interest rates are rising and millions of Americans made their holiday purchases with money they don’t have. Listen as we discuss the straightforward steps to create a foolproof plan, where we land on the debt snowball vs debt avalanche approach, as well as some additional helpful tips that will allow you to ditch debt for good.

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.
Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed a Perpetual Composition by Southern Grist 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.

Budgeting Like a Beast with Jesse Mecham #619 Jan 16, 2023

Show notes

We’re going all-in today on budgeting with our special guest- Jesse Mecham! There are a number of folks listening who might recognize his name, but I’m guessing even more folks are familiar with the company he started in 2003 while he was still in college- You Need A Budget, or YNAB as it’s commonly known. Millions of individuals have used YNAB to get on a budget which has allowed them to achieve their life-changing financial goals- whether that’s simply paying off debt or the complicated endeavor of getting on the same page as their partner. Jesse has likely thought more about budgeting over the past 20 years than anyone else out there, so we’re excited to talk with him about all the things that he’s learned over the years. Listen as we discuss why you need a budget in the first place, Jesse’s 4 rules of budgeting, how often you should spend on your budget every month, as well as his approach to credit cards and debt.

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.
Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed an Igneous IPA by Hutton & Smith! 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 - More Potential Loan Forgiveness, Egg Fights, & Workplace Drama #618 Jan 13, 2023

Show notes

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it 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 potential student loan forgiveness on the horizon, egg fights in the aisles, cutting food waste, the high risk of single stock investing, doubling down on a down market, Disney in real life, & non-competes might be on the road to defeat.

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.
Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

Best friends out!

See omnystudio.com/listener for privacy information.

The Massive Retirement Account Changes That Impact You! #617 Jan 11, 2023

Show notes

Would you eat boiled buffalo testicles like they did on the old show Fear Factor? Or walk between two high-rises on a cable? Or allow tarantulas to be dumped on your face while strapped to a table? I’m guessing you’re not interested in doing this for funsies, but you might be singing a different tune iif a million bucks is on the line. And that’s because incentives change everything. When the rules of the game have changed, we need to adjust our behavior accordingly. And at the end of last year the SECURE Act 2.0 was signed into law which effectively changed the rules on a lot of the different retirement accounts that we have access to. There are many provisions in this Act that changed the incentives for how, when, and where we invest for the future. Roth, 529, and self employed retirement accounts were all impacted and so today we discuss many of the changes, and talk about what you should do 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.
Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed an Imperial Strawberry White Ale by Cascade Moon! 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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