How to Money

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Latest Episodes:

Fractured FIRE: Early Retirement, Not So Hot Right Now! #536 Jul 06, 2022

Show notes

Some things sound really good... until they aren’t. Like when your kids say they’re going to spend all of their money at the candy store and how they’re going to eat ice cream every night of the week. Sure that sounds tempting now, but the reality isn’t quite as rosy. As you grow older you realize that there are constraints that prevent you from a diet like that- namely the health issues that would arise! We think that something similar is happening to the Financial Independence Retire Early movement. An idea that sounds really compelling when the market is kicking butt doesn’t feel the same once a bear market has ravaged those early retirement portfolios. Not to mention that with inflation on the rise, your dollars aren’t getting you quite as far as they used to! So we offer a few alternatives to those who are striving after early retirement, how we would recommend that you think about your work and career, and then we highlight why we think the FIRE movement still has its merits.

During this episode we enjoyed a Just a Kiss by The Bruery! 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.

Becoming a Financial Samurai with Sam Dogen #535 Jul 04, 2022

Show notes

Happy Independence Day! We’re marking the occasion by talking with Sam Dogen- one of the pioneers of the Financial Independence Retire Early movement. Sam is the founder of Financial Samurai which he founded over 10 years ago. He retired at age 34 after a career at Goldman Sachs, but then came out of retirement as retired life was a bit too boring for him! He has written over 2,100 articles at his site and now his new book “Buy This, Not That” is about to be released very soon which is an excellent guide on how you can optimize your money to build wealth and live life on your own terms. During this episode we talk about why Sam isn’t a huge fan of the 25x rule, maximizing your earning potential, engineering a layoff- we’re excited to talk about all of that and more today!

During this episode we enjoyed a Daily Serving by Trillium- and thanks again to Sean 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 - Imposter Syndrome, Rental Bidding Wars, & Costly Cookouts #534 Jul 01, 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: the IRS backlog continues, free goods from Amazon, bullwhip effect leading to sales on the horizon, imposter syndrome taking a bite out of your wallet, salary transparency on the rise, the role of gig work in your financial life, zoomers are all about that cash, the best hysa interest rate, rising interest rates hurting your house purchasing power, rental bidding wars, & costly cookouts.

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.

Wives & Money... Part IV #533 Jun 29, 2022

Show notes

Kate and Emily take the mic! It’s that time of year again- when our wives have yet again so graciously agreed to sit down and talk with us about money after we wrestle the kids down for naptime, while we’re away at the beach! Specifically during this episode we fielded some questions from the Facebook group and the ladies answered what their current splurges are, thoughts on moving our families to the burbs, ways to keep the grocery budget down, when we got financially naked, how to match different levels of risk tolerance, what it looks like to include kids in our family money conversions, and plenty of other nuggets of wisdom!

During this episode we enjoyed A Plume of Many Hues 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.

Ask HTM - New Cars vs Used vs Leasing, Budgeting on a Variable Income, & Designing a Space for Airbnb #532 Jun 27, 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 - How much risk is too much risk as I’m looking to grow my online business?

2 - What is your car buying philosophy- new, used, or lease?

3 - My income is fluid and irregular- how am I able to create a monthly budget?

4 - What design tips should I keep in mind as I’m building a new home that I’m planning to house hack?

5 - Is there an easy way to see my Roth IRA contributions and withdrawals?

During this episode we enjoyed an Imperial Stout by Nøgne Ø! 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 - Gas Tax Holidays, Bargain Cruises, & Bad Investing Robots #531 Jun 24, 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: we curb alerted ourselves, imposter Instagram accounts, what would you do for a bungalow, screaming mortgage rates, how we approach credit cards, high interest savings accounts are back, the best guaranteed returns for the next year, bad investing robots, gas tax holidays, geriatric cars, insurance rates on the rise, & bargain cruises up for grabs.

Best friends out!

See omnystudio.com/listener for privacy information.

Fighting Back Against Gas Price Insanity #530 Jun 22, 2022

Show notes

You can’t escape summer! Whether you’re baking under the sun at your local pool on the weekends, or setting off on adventures with your kids during their summer break, the changing season and warmer temperatures signal that it’s summer break. Just like summer impacts basically everyone, so does the price of a gallon of gas increasing at a previously unseen rate. Even electric vehicle owners aren’t immune to the rising prices- though there’s gotta be a palpable sense of relief every time you plug your car in! The US crossed the $5 a gallon threshold a couple weeks ago and who knows where the prices are headed from here?! But we’ll talk about why gas prices are unrelenting right now, we’ll share some of our thoughts on fossil fuels in general, and then we’ll the majority of this episode talking through the many steps you can take to lessen the pain you’re experiencing at the pump.

During this episode we enjoyed a Really Big Bird by Trillium- a huge thanks to Sean 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.

Futureproofing Your Career & Crypto Advice for Noobs with Kevin Roose #529 Jun 20, 2022

Show notes

Today’s interview completely revolves around technology and we’re excited to have Kevin Roose joining us today. Kevin is an award-winning tech columnist for the New York Times, and a Times bestselling author of three books: Futureproof, Young Money, and The Unlikely Disciple. He is the host of the “Rabbit Hole” podcast, and writes and speaks regularly on all topics related to our modern age including automation and AI, social media, cybersecurity, and digital wellness. But today, we are narrowing his focus to discussing some of the different ways that we can ensure your career can continue to grow as AI is taking over many different areas of our lives. Plus we’re going to do a deep dive into crypto and how you should be thinking about it today.

During this episode we enjoyed an Analog Life by Good Word 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 - Finding Drug Money, Bear Markets & the End of Millennial Subsidies #528 Jun 17, 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: signing up to be a squid game contestant, why it’s good news to officially enter a bear market, auto-enrolling leading to financial independence, the simple path to wealth, the end of millennial subsidies, a Bitcoin academy in public housing, what terrible crypto performance means for your portfolio, high earners living paycheck to paycheck, more medical bill price transparency, & finding drug money.

Best friends out!

See omnystudio.com/listener for privacy information.

It’s Not JUST Inflation: Defying Higher Prices in Your Life #527 Jun 15, 2022

Show notes

It’s an understatement to say that the political discourse in our country is a mess! And the problem isn’t that you just disagree- that you think someone on the other side of the political aisle has the wrong opinion. That’s certainly a part of it, but the major political issues of the day that Americans are rightly discussing require patience and a nuanced understanding of different ideas to make progress. Instead, we have anonymous accounts on social media, partisan media, divisive rhetoric from leaders, and the pandemic which further polarized the political divide. All are factors that have contributed to politics being a hot button topic. Similarly, it’s not just inflation that’s causing everything to feel like it’s costing us more money- that our dollars aren’t getting us through to the end of the month. Inflation is a major culprit and we’ll definitely talk more about that today. But there are some other factors as well and we think by zooming out and looking at the entire picture, that we’ll be able to better understand the many different reasons that everything seems to cost us more than it used to. And then we’ll share what steps we can begin to immediately implement in order to start defying these higher prices.

During this episode we enjoyed a Breakfast Stout by Founders 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.

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