How to Money

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Latest Episodes:

Friday Flight - Ginormous Jackpots, Expensive Algorithms, & Geriatric Roommates #546 Jul 29, 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 during these trying times. In this episode we cover some relevant and helpful stories like: scoring some HTM socks!, finally time for a recession, ginormous jackpots, using dumb personal loans to build wealth, fintech promising too good to be true savings rates, Overdraft Protection Act, the case of the $5,000 Springsteen tickets, expensive algorithms, fake reviews, student loan pause likely to be extended, geriatric roomates to save big, going with store brands, and conspicuous consumption if you’re into foot stuff.

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 Middle Class is Shrinking: What That Means for You! #545 Jul 27, 2022

Show notes

We, as human beings, avoid pain. Nobody likes to break their collarbone while snowboarding, cut their finger while chopping up some veggies, or even stub their toe on the leg of the high chair. And of course that immediate pain communicates to us that something is wrong- it keeps us from further hurting ourselves. But then oftentimes there is some inflammation or swelling that occurs after the fact. And that’s not a sign that you’re hurting yourself, but it can actually be the first steps that your body is taking in order to heal your injury. So in a way that ongoing pain from any swelling could be seen as a good thing! Though uncomfortable, it can be a sign of forward-looking health. And similarly, we’re attempting to take a more positive approach to what seems like the disconcerting problem of a shrinking middle class. We actually think there is more good than bad happening with a middle class that seems to be hollowing out. Listen to find out why this seems like a bad trend at first glance, who has been climbing the financial ranks, who is actually considered ‘rich’, what this means for you, and then finally what you can do to get ahead with your finances.

During this episode we enjoyed a Stiegl Radler Zitrone (fancy-speak for lemon)! 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 - Dropping Money on Fancy Coffee, Insurance at the Expense of Investing, & the Best Approach to NFTs #544 Jul 25, 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 - Is it ok to splurge on a cup of joe at my local coffee shop when my financial situation has gotten more burdensome?

2 - What are your thoughts on how we should be taxed here in the US?

3 - How much should I investing into NFTs?

4 - Does it make sense for me to keep paying on a home warranty plan that I inherited?

5 - Am I spending too much money on life insurance?

During this episode we enjoyed a Milkstachio 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.

Friday Flight - Everyday Payday, Coupon Culling, & the Demise of Thrifting #543 Jul 22, 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 during these trying times. In this episode we cover some relevant and helpful stories like: European travel discounts, making yourself take some time off, rising costs of pet sitting, WTD with that drawer of gift cards, decelerating rents, the demise of thrifting, $18 for heated seats, everyday payday, coupon culling, & the easiest way to create a will.

Best friends out!

See omnystudio.com/listener for privacy information.

Streaming Sucks! Eliminating Expenses as Costs Creep Up #542 Jul 20, 2022

Show notes

We talk a lot about finding free stuff on the side of the road, in HTM parlance, curb alerts! It’s a great way to reduce waste and save money if you’re able to find something that you’re needing, and it just so happens to be sitting there on the curb for you. But if you find yourself driving around town for a few hours every night after work in hopes that folks have abandoned a neat tchotchke that you may or may not actually need, then you might be dedicating too much time to the pursuit of free stuff. Similarly, streaming subscriptions can be a wonderful thing- they’ve been able to deliver some amazing content to hundreds of millions of people. But if you have too many streaming companies set to autopay, not only is it consistently draining money from your bank account but it’s also stealing your most limited resource- your time. Listen as we tackle why it is we stream in the first place, how to cut the cost of streaming, how to stream for free, and contemplate what else you could be spending your time doing as we challenge ourselves to spend less time on the couch to begin with!

During this episode we enjoyed a Benevolence by Flying Machine! 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.

Living Life with the End in Mind with Jordan Grumet #541 Jul 18, 2022

Show notes

For a certain subset of HTM listeners, it might be easy to not see the forest for the trees. You might naturally be drawn to the finer details of personal finance like expense ratios and Excel formulas in an attempt to ensure that you’re living the most efficient and optimized life that you possibly can. But, that’s when the subtle shift can take place. That’s when the means to the end begins to overshadow the actual end, which for many is to simply live a good and happy life. Instead, we should live our lives with the end in mind and that’s why we’re talking with Dr. Jordan Grumet, also known as Doc G. Jordan was an internal medicine physician when he discovered the personal finance community. Since then he started an award winning podcast and is now the author of Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life, which will be published in a couple of weeks. Listen as we discuss meaningful work, resisting the traditional American work culture, what it takes to set priorities in life, and much more!

During this episode we enjoyed an Indolence, which is an American sour, by Pretentious Barrel House! 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 - Concerts on Credit, Evaporating Assets, & Can You Afford Me Now? #540 Jul 15, 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 during these trying times. In this episode we cover some relevant and helpful stories like: we’ve got socks!, Joel’s top Costco picks, house hacking to live rent or mortgage free, monthly savings rate in the dumps, concerts on credit, coping with a shrinking portfolio, the real threat to your investments, big wireless ratcheting up their rates, stamps aren’t immune to inflation, evaporating assets, car notes the size of mortgage payments, & pick your poison: clean your toilet or make a budget.

Best friends out!

See omnystudio.com/listener for privacy information.

Making the Most of an Economic Downturn #539 Jul 13, 2022

Show notes

A friend of ours writes a daily newsletter, and he recently featured a 74 year old named Paul who has lived inside of an iron lung since he was six years old. Paul was completely paralyzed due to polio from the neck down, and his disability means a life that most of us could barely imagine. But that didn’t stop Paul from achieving many goals over his lifetime- he taught himself to write with a pen in his mouth, he earned a college degree, and even went on to become a lawyer! We share this to highlight that there are a number of factors outside our control, and we should instead focus our energy on the things that we do have control over. There’s little that we can do when it comes to the economy, recessions, and inflation. But we do have a say over our personal finances- the financial foundation we build for ourselves, the money we spend, the money we invest, and the ways that we ensure a healthy and steady income. Listen as we cover all of that and more during this episode!

During this episode we enjoyed a 2022 Mexican Cake by Westbrook 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 - Invest or Pay Off Student Loans, Getting Rich by Earning a Counseling Degree, & Buying an RV Instead of a Home #538 Jul 11, 2022

Show notes

1 - Does it make sense to buy an RV in order to avoid high real estate costs?

2 - How wealthy will my girlfriend get after earning her master’s degree in counseling?

3 - Given the recent volatility of the stock market, should we tweak the allocation of a 529 account we just set up?

4 - I’m interested in using real estate to semi-retire in 7 to 10 years- but where should I save or invest my down payment?

5 - Should I pay off my student loans or invest my extra savings?

During this episode we enjoyed a Kolsch by Blaze 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 - Cheaper Booze, Buy Now Pay Never, & What Housing Market Crash? #537 Jul 08, 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 continue to make smart money moves. In this episode we cover some relevant and helpful stories like: measuring the value you get from Amazon Prime, fueling your addiction with Jackpocket, borrowing to invest, buy now pay never, who’s footing the the bill when it comes to credit card rewards, what housing market crash?, housing affordability brought to you by a 50 year mortgage, cheaper groceries and booze, & whether banning new gas stations is the best path forward.

Best friends out!

See omnystudio.com/listener for privacy information.

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