How to Money

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Latest Episodes:

Strategic Debt Use To Catapult Your Finances #566 Sep 14, 2022

Show notes

Some folks will swear that taking a nap is bad for you. “It’ll throw off your circadian rhythm!” or “You’re being lazy- maybe it’s time to be more productive with your time!”. And of course, like many things in life, you could take it too far. For instance taking a nap while your friends are visiting or climbing in bed for 3 hours in the middle of the day will likely lead to poor outcomes- there will be negative downstream effects. But the reality is that a well-timed nap can bring a lot of benefits for many folks- it can boost your memory, increase your job performance, and ease your stress levels. Well, in the same way that naps are misunderstood, so is debt. Indiscriminate use of naps or debt could easily create a mess. But the strategic use of debt is an incredibly nuanced topic that we’re venturing into. Today we discuss how you can determine if you’re using debt strategically by looking at your finances holistically, how folks use debt as a crutch, why it’s important to understand opportunity cost, evaluating your own personal debt tolerance, 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 a Milk & Cookies 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.

Building Wealth on a Tiny Income with Sarah the Budget Girl #565 Sep 12, 2022

Show notes

In the same way that being able to read is a critical component of learning and furthering your education, budgeting is essential to managing your money well and building wealth. It’s foundational! And that’s why we’re pumped to have Sarah Wilson joining us on the podcast today. Today we discuss why the Budget Girl started publishing her own budget for the entire internet to see, how granular you should be getting with your budget, as well as some of the lowest hanging fruit everyone should consider. And we also hear how Sarah paid off all of her student loans in just 3 years on a meager income, her foray into house hacking, charging her boyfriend rent, the future of her very successful site and YouTube channel, plus a bunch of other topics as well!

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 a Brownie 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 - 3% Mortgages, Secondhand Steals, & Leg Room Lunacy #564 Sep 09, 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: getting a 3% mortgage via a loan assumption, some new competition for home internet providers, leg room lunacy, free lodging because of flight delays, donate now pay later, influencers in the wild, active insurance trackers to save, & secondhand steals from buying used.

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.

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.

The Key Characteristics of Great Investors #563 Sep 07, 2022

Show notes

There’s been a massive proliferation of micro-transportation devices in recent years. Everything from Segways and electric skateboards to Onewheels and e-scooters. But as cool as some of those futuristic devices are, none of them hold a candle to the ultimate classic- the bicycle. Advances in technology have made bikes lighter, safer, and easier to repair, but the basic bicycle remains unchanged and is still the most affordable and dependable personal transportation device. And we’ve seen similar changes when it comes to what it means to be an investor. There really are a ton of crappy investments out there and the spread of not-so-awesome investment advice has been on the rise as well. It’s a constantly changing space and there are a wider range of options available as well as ‘gurus’ telling us how we should be investing. These fancy options can throw us off our game and so we wanted to make sure that you’re able to cultivate and embody the characteristics of a great investor so that you’ll be able to make wise decisions with your investments.

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 a Oktoberfest by Dry County 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 - Combining Finances as a Newlywed Couple, Seek and Destroy Investment Fees, & Making the Most of Inherited Money #562 Sep 05, 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 - As a newlywed couple, should we combine our finances?

2 - How do I go about finding and then eliminating the fees associated with my 403b account?

3 - I received an inherited IRA- how do I make the most of this money if I’d like to eventually buy a house?

4 - Should I finish out a basement, build an ADU, or purchase a single/multifamily home if I’m wanting to diversify into real estate?

5 - What are your top 10 episodes that you’d recommend to noobs of personal finance?

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 a Saison De Banc Vert by Green Bench 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 - Quiet Quitting, Cheap Ribeyes, & Another Housing Recession? #561 Sep 02, 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: tomorrow is National Cinema Day, sky high EV prices, heating your home this winter is gonna be pricey, e-bike incentives, at the brink of a possible housing recession, HGTV-ification of America, big brother employers doling out productivity scores, cheap ribeyes and brisket, buying meat in bulk straight from the farm, how eco-friendly is raising livestock, & Sam’s Club raising their membership fees.

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.

Best friends out!

See omnystudio.com/listener for privacy information.

Subtle Marketing Maneuvers That Stymie Your Money Momentum #560 Aug 31, 2022

Show notes

How something is communicated to us can have a major impact on the reception of that idea. For instance, Joel’s wife has been known to offer great advice to him over the years- but he often only comes around when a friend makes a similar remark! He suddenly sees the light because even though the advice is the same, the context is different. It’s only then that he takes action. And similar patterns emerge when it comes to our susceptibility to advertising and marketing. Our subconscious often coalesces to marketing tactics that we tend to think we’re impervious to. We’re not quite as rational as we think we are, and those marketing tricks often nudge us towards buying things we don’t need and spending money we hadn’t planned on parting with. So listen as we identify some of these marketing maneuvers and the steps you can take to avoid becoming a mindless consumer.

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 a Bibo 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.

Tackling Personal Finance with NFL Linebacker Brandon Copeland #559 Aug 29, 2022

Show notes

Our guest today, Brandon Copeland is an NFL player, but he’s also so much more than that. He most recently played for our local team, the Atlanta Falcons, last season but he’s won the Alan Page award for community service and we find his off-the-field activities even more fascinating. He runs a non-profit football camp called Beyond the Basics that not only teaches kids the technical skills of being a great football player, but also helps them to reach their full potential off of the field as well. He has a financial literacy course called Life 101 that he teaches at the University of Pennsylvania. He has a couple of real estate companies that he runs with his wife as well- it’s safe to say that Brandon is truly an entrepreneur! We talk about personal finances in the NFL, resisting the cultural pull to consume, setting our kids up for success, and much more in 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.
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 a Fortunatus by Three Taverns! 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 Reality, Expensive Offspring, & DIY Coffins #558 Aug 26, 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: Student loan forgiveness has arrived, forgiveness tax implications, student loan payment caps, streaming viewership and prices continue to rise, unlimited movies are back, expensive offspring, wasting your library money, affordable hearing aids on the way, DIY coffins to save big, and props to one of our favorite outdoor recreational activities.

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.

Best friends out!

See omnystudio.com/listener for privacy information.

Beating Down the Biggest Money Obstacles You Face #557 Aug 24, 2022

Show notes

Gen Z listeners might not get this reference, but American Gladiators in the early 90s was the original American Ninja Warrior. The show was a series of events where a couple of really fit young folks would compete through a number of obstacles to win a cash prize. The only thing standing in their way? A roster of some incredibly ripped athletes who just wanted to punish you. The gladiators were literally slamming you down or jousting you off a raised pedestal- they were the biggest obstacles the competitors faced. And similarly, there are money obstacles that pop up out of nowhere that knock the wind out of our finances. Some obstacles are more external like the influence of our friends or unplanned expenses, but others are internal like a short-sightedness we might have towards our money or a lack of knowledge. So we’re going to spend this episode running through some of the different obstacles that are attempting to derail you on your path to financial freedom- and specifically, what to do about them.

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.

Best friends out!

See omnystudio.com/listener for privacy information.

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