How to Money

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Latest Episodes:

Ask HTM - Investing in Real Estate with Only $5, Tapping a 401k to Pay Off Debt, & A Currency Exchange Frugal or Cheap #586 Oct 31, 2022

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 - Are real estate investing apps like Landa legit?

2 - When it comes to budgeting, is it OK to sneak my gardening supplies into our housing maintenance savings category?

3 - Should I cash out an old 401k to pay off some medical debt?

4 - I’m thinking about selling my duplex- should I utilize a 1031 exchange and strike while the iron is hot?

5 - A frugal or cheap abroad: what’s the best way to do a currency exchange?

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 Traeblod by Mikkeller 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 - Forgiveness In Limbo, AARP for Babies, & Day Trading Dropouts #585 Oct 28, 2022

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 cover some relevant and helpful stories like: last day to jump on those I bonds, student loan forgiveness in limbo, expensive turkeys, senior discounts for everyone, not-so-discount airlines, luxury bus travel, moving to avoid taxes, young wealthy investors beating the market, day trading dropouts, WFH leading to healthier habits, making time for things that matter, & the fading silver lining of buy now pay later.

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.

Dying Destitute: Should You Spend All Your Money Before You Die? #584 Oct 26, 2022

Show notes

The fact that money is so measurable is both a blessing and a curse. It's a blessing because your budget, your salary, how much you have set aside in investment accounts- basically all dollar amounts in your life are very quantifiable. And because of that it’s not difficult to make some tweaks in order to see some movement with your net worth. Awesome! But at the same time it’s a curse- because these are measurements that are so readily available, we can often overly rely on these numbers to let us know how we’re doing in life. If you’re overly focused on the numbers and if your life satisfaction is purely determined by how much you’ve got in the bank, then we’d argue that you’re incorrectly using your wealth as the main measurement of life satisfaction. So hear us out: the argument we’re putting forth today is that maybe we should all consider dying destitute! We discuss some great reasons to consider spending all your money, how to spend your money in a way that brings you the most joy and happiness, whether you should give money away before or after you die, and some thoughts on leaving money to your kids.

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 Raspberry Blush by Mikkeller 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.

Is Crypto Going Extinct? with Stacy-Marie Ishmael #583 Oct 24, 2022

Show notes

There’s a decent chance that during the pandemic and the ensuing months, that you were stuck at home with some extra cash on hand, but with no way to spend that money. So you got into crypto- and unfortunately, there’s a very good chance that your holdings are worth much less and you might be a little concerned. And you’re not alone because a recent Bankrate survey showed that only about 30% of millennials are comfortable investing in crypto which is down from 50% a year ago. There’s just not as much confidence and excitement as there used to be and so we’re excited to be joined by Stacy-Marie Ishmael. For years Stacy used to work at the Financial Times where she started the blog Alphaville, she’s worked as a senior editor at Apple, and now she’s a writer & podcaster at Bloomberg where she dedicates nearly all of her time to cryptocurrencies. Listen as we discuss why crypto exploded the way that it did in recent years and why everyone thought it was going to the moon, why crypto hasn’t acted as an investing hedge, why countries are struggling to implement it as their national currency, and what the future holds in the realm of crypto!

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 Tie 11 by Monday Night 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 - Retreating Rewards, New Tax Brackets, & Workplace TRAPs #582 Oct 21, 2022

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 cover some relevant and helpful stories like: our new credit card tool, student loan forgiveness deadlines, pricey Halloween candy, spending big bucks on pet costumes, retail rewards in retreat, new tax brackets along with higher contribution limits to retirement plans, extra fees to return online purchases, workplace TRAPs, the best employers for career advancement, iBanking your iCash on your iPhone, & Aldi conversions on the rise.

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.

Jesus Christ Super-Saver: Ancient Wisdom & Your Money #581 Oct 19, 2022

Show notes

We’re glad Ikea exists. The ability for a vast majority of the population to get their hands on some incredibly functional, well designed, and affordable furniture is a good thing. But, you’re also unlikely to pass Ikea furniture down to your kids or for that matter, use it for more than a handful of years. Compare that to a campaign dresser from the 1800s! It’s true that they don’t make them like they used to. The same is true when it comes to modern financial advice. There’s a lot of ‘wisdom’ floating around out there that is self-serving at best, and deceptive and predatory at worst. So in today’s episode we pull some ancient wisdom from the Bible, Stoicism, and other wisdom traditions from hundreds to thousands of years before our time. Then we connect that ancient wisdom to our modern times to help you to determine what you should be doing with your 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.
Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed an Apricot Crumble by Vitamin Sea 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 - Buying New or Used Cars in a Crazy Market, Stocks vs Real estate, & Converting or Rolling Over a 401k #580 Oct 17, 2022

Show notes

1 - Should I take the leap into real estate investing or is it smarter to invest within a Roth IRA?

2 - Is it a better deal to pay for CPI with my car insurance provider or pay for full coverage myself?

3 - Does it make more sense to roll over an old 401k or should I convert it to a Roth IRA instead?

4 - Should I buy a new or used car in this crazy car market?

5 - We own a rental property- what tips do you have as we make that property our primary residence?

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 Kersenrood by Wild Heaven, so good! 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 - Horrendous Investing Advice, Haute Dogs, & ADUs FTW #579 Oct 14, 2022

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 cover some relevant and helpful stories like: life as a one car family, ADUs FTW, smaller affordable housing, flippity-flops, mortgage rates at 20-year highs, whether I bonds are still a smart buy, haute dogs and splurging on your pets, the worst life advice of all-time, separation of money and politics, & Netflix is going with commercials.

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.

Biking is a Money & Life Hack #578 Oct 12, 2022

Show notes

“Spend less than you make.” This is a maxim that is not only true but, if followed, will allow you to accomplish so many other goals that you might have in life. It’s a foundational concept. Similarly, we also think the same can be said for biking. Get this one thing right in your life- pedal your way to wherever you need to go, and so many other aspects of life will automatically fall into place. And we’ve actually been able to put our commitment to biking to the test since we’ve moved out of the city- you might be surprised to hear the results! Listen as we discuss the many different reasons we believe biking is a money and life hack, the positive impacts on our health, communities, and environment. And we also touch on how you can make biking more accessible in your community as well as how you can get started, even if you haven’t ridden a bike since you were eleven!

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 Lager by Bosque Brewing- a big thanks to Bob in New Mexico for donating this one to the show! 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.

Buying Existing Businesses to Make Millions with Codie Sanchez #577 Oct 10, 2022

Show notes

We’re pumped to talk with entrepreneur extraordinaire Codie Sanchez today. And while Codie is busy buying businesses today, the truth is, it took her a while to get there. Years ago, right out of college, Codie was working 70-hour weeks for a paycheck. And even though she had a great education and an elite job, she felt like her life was out of control. Who cares about prestigious job titles when somebody else controls your day to day?! Now, things are different: Codie is financially independent, she owns 26 small businesses, and she’s the founder and CEO of Contrarian Thinking- where she’s on a mission to free the minds of individuals who are hanging onto traditional careers, as well as the common narrative of what it means to be successful. And oftentimes this can be accomplished via buying existing businesses- which is more feasible than you might think! Listen as we discuss life as a second generation immigrant, why Codie believes we’re in a golden era of acquiring others businesses, ways to go about finding a business to buy, her views on passive income, what it means to utilize your ‘unfair advantage’, when she’d consider selling a 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.
Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Maximize your rewards by getting the best credit card for how you spend.
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 Open Space Haze by Bosque Brewing- a big thanks to Bob in New Mexico for donating this one to the show! 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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