How to Money

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Latest Episodes:

Friday Flight - Price Profiteering, ESG BS, & Secondhand Smarts #516 May 20, 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: CapitalOne bonuses, free at home Covid tests, too busy to budget, waiving home inspections in a cooling housing market, secondhand financial smarts due to spillover effects, expensive airport beers, price profiteering, economists don’t blame corporate greed for higher inflation, crappy car repair loans, declining used car prices, & ESG BS!

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 Nasty Debt Comeback & How To Counter It #515 May 18, 2022

Show notes

Everyone loves a good comeback story- exceeept when it’s the villain who is making the comeback! That's basically how we feel about the mullet. We can all pretty much agree that mullets are the most villainous hairstyle. It had its heyday back in the 80s and is now back in full-business-in-the-front-party-in-the-back-force. Similarly, that’s how we feel about consumer debt. Credit card debt levels drastically dropped with the onset of Covid lockdowns and for a minute we thought this might be the start of a personal finance reawakening! But unfortunately that was the exception rather than the norm. In February, American consumers increased their borrowing by a record $42 billion as credit card usage was up 20% in Q1 alone according to the major credit card companies. This is bad news of course, but there are strategic ways to use debt to your advantage. The types of debt you sign up for, what you’re spending it on, your debt to income ratio, and resisting the ‘immediacy premium’ are all elements of debt that we discuss today.

During this episode we enjoyed a Moderne Dansk by Jester King! 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 - Special Accounts for Baby Expenses, Dissuading a Listener from Using the Beloved Roth, & Choosing the Best Life Insurance #514 May 16, 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 - My fiance wants to get into house hacking. How can I feel more comfortable with this risky endeavor?

2 - How should my student loans impact how I invest in my Roth?

3 - Fee-based financial advisors vs fee-only financial advisors?

4 - Should I go with a Kai-Zen life insurance plan and consider borrowing against a permanent life insurance plan?

5 - How can I best utilize a DCFSA in order to pay for baby expenses?

During this episode we enjoyed a No Wooden Shoes by Good Word! 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 - UNstable coins, Ludicrous Layoffs, & Sweating to Save #513 May 13, 2022

Show notes

It's time for a Friday Flight! These episodes are all about 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: MCM furniture paying dividends, sweating to save some money, federal tax credits to help you install solar, scammers targeting utilities, UNstable coins, crypto crashing, Robinhood jacking up fees, Carvana sticking it to 2,500 employees, the shifting labor market, & buy now pay later companies leading millennials into billions of debt.

Best friends out!

See omnystudio.com/listener for privacy information.

Starting A Business is Easier Than You Think #512 May 11, 2022

Show notes

“Inconceivable!”. There are certain tasks in life that feel virtually impossible. One that comes to mind is painting your house- “I can’t do that, I’m not a professional painter!”. When in reality, that’s a project you actually could perform well. Or another one might be something like baking some biscuits- “I’m not some culinary magician who can whip together some homemade biscuits from scratch!”. When fact, that’s something 6th graders learn how to do in middle school. And the same thing is true for starting your own business- there seems to be this special aura surrounding small businesses that lead many to think that they don’t have what it takes. That it takes some special wizardry to run your own business. But we think that you do, in fact, have what it takes, that the pros outweigh the cons, and that the financial upside is worth leaving the “safety” of a W2 job. Listen as we cover the many reasons we believe starting a business is actually easier than you think.

During this episode we enjoyed a Let's Get Some F****** Fraanch Toast by Bhramari 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.

Cutting the Financial Umbilical Cord with Bobbi Rebell #511 May 09, 2022

Show notes

We’re talking today about how to avoid screwing up your kid’s relationship with money. As parents, our job is to raise amazing adults to one day replace us! And even if you don’t currently have kids, or maybe you know that you never will- today’s conversation will do a great job shedding some light on why you think and feel the way you do about your personal finances. Bobbi Rebell is a Certified Financial Planner, she’s host of the Money Tips for Financial Grownups podcast, and she’s also the author of “Launching Financial Grownups”. The book is a call to action for parents who want the best for their kids, but who are beginning to realize that their own pursuit of financial independence has to become a priority as well. We talk about parenting styles, the increasing trend of boomerang college students, ways that we can strategically help our kids with money, and personal finance conversations between parents and adult children as well.

During this episode we enjoyed a Farm Friends by New Image 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 - Buffett’s Brilliance, Trading Data for Dollars, & the Foibles of Student Loan Forgiveness #510 May 06, 2022

Show notes

It's time for a Friday Flight! These episodes are all about 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: boosted HSA contribution limits, making the most of the student loan pause, foibles of student loan forgiveness, Buffett’s brilliance, how much crypto you should own, how death causes us to spend more, rent-a-bank payday lenders ripping people off, trading dollars for data, what higher interest rates mean for you, fraudulent medical bills on your credit report, & better ways to use social media.

Best friends out!

See omnystudio.com/listener for privacy information.

Quitting Your Job The Right Way #509 May 04, 2022

Show notes

There’s a right way and a wrong way to do all sorts of things. For instance we think that the right way to load toilet paper is with it dispensing over the top of course! Or, sometimes you see guys at the beach and they’re beet-red but they’ve still got their shirt off and they’re likely not wearing any sunscreen- what’re they doing?! And similar to quitting your job the right way, getting burned seems to be a lesson that many folks don’t often learn until they are older, or until after they’ve learned the lesson the hard way. But when it comes to your professional career, we want you to realize that quitting poorly can have very negative long-term ramifications. And the flip side of the coin is true as well- higher pay, more work flexibility, and better opportunities in the future await! Learn what you should be doing before you quit your job, how to ensure that you’re not leaving money on the table when you leave, and how you can best transition out of your current job.

During this episode we enjoyed a Bumblestick Nut Brown Ale by Bhramari 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 - Renovating To Generate Income, When Single Stock Investing Makes Sense, & WTD About Sky High Rent #508 May 02, 2022

Show notes

What can I do about rapidly rising rents at my apartment building?
We want to house hack by finishing out a basement apartment- is this a good idea for us and should we finance the project?
How do I pay off my debt while also not damaging my credit score for the upcoming purchase of a home?
I’m getting paid to bike to work, but I have no idea what kind of bicycle I should purchase- help!
Should I avoid investing in single stocks even if I get a really good discount through my employee stock purchase plan?

During this episode we enjoyed a White Thai 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.

Friday Flight - Conniving Credit Bureaus, Pet Repossessions, & #VanLife Woes #507 Apr 29, 2022

Show notes

It's time for a Friday Flight! These episodes are all about 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: insulating your house to save the planet and save you money, #VanLife woes and the search for happiness, why a declining GDP doesn’t necessarily mean a recession is on the way, conniving credit bureaus, pet repossessions, cryptocurrency in your 401k, crypto mortgages, merchant processing fees on the rise, a new credit card bonus we’re excited about, & Rad Power Bikes are on sale!

Best friends out!

See omnystudio.com/listener for privacy information.

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