How to Money

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Latest Episodes:

Friday Flight - Paying Less at the Pump, Fatter Paychecks & Flocking to FIRE #486 Mar 11, 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: capital gains taxes even if you didn’t sell, paying less at the pump, the best credit cards for cashback at gas stations, IRS refund tracker, living paycheck to paycheck on six figures, folks flocking to FIRE, higher costs for childcare, date nights on the cheap, fatter paychecks, and eating organic for less.

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!

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See omnystudio.com/listener for privacy information.

Sneakier Scams Targeting Younger Folks #485 Mar 09, 2022

Show notes

Scams are kind of like zombies. The formerly popular TV show The Walking Dead is set in a sort of zombie apocalypse and was filmed here in Atlanta. But like zombies, the scams never stop and there seems to be a never-ending litany of folks who are trying to get their hands on our money. It truly is a serious problem- the FTC received 5.7 million reports with a total of $5.9 billion lost to scams in 2021! And on top of that scammers have gotten really sophisticated and are specifically targeting younger folks by using platforms like social media or dating apps and targeting Venmo balances and crypto holdings. Listen as we discuss a number of different sneaky scams that are targeting a younger generation, how they work, and then what you can do to protect your money.

During this episode we enjoyed an Electric Venom by Little Cottage! 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!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Ask HTM - Debit Reward Cards, Unexpected Tax Bills, & A Listener Has a Bone To Pick With Our Car Buying Formula #484 Mar 07, 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 - I disagree with y’alls car buying formula- surely you guys wouldn’t be cool with me buying an $80k car?!

2 - Is it worth our time and money to meet with a comprehensive financial planner?

3 - What are the benefits of an ABLE account and which states offer the best plan?

4 - The dividends and gains I’ve experienced in my portfolio have dramatically increased my tax liability- what can I do?

5 - Should I use a debit rewards card to earn cashback on my monthly rent?

During this episode we enjoyed a Le Petit Prince 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!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Friday Flight - When the Price is Wrong, DIY Healthcare, & Being Forced to Take Out a Loan #483 Mar 04, 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: an investing strategy while a war is raging, when the price is wrong, shrinkflation and incessant fees, being forced to take out a car loan, finding an affordable rental car, financial literacy that sticks, and DIY hearing and vision test apps.

Best friends out!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Treat Yo Self Without Breaking the Bank #482 Mar 02, 2022

Show notes

It’s time to go Parks-and-Rec on this episode and talk about treating yo self while still being a responsible adult and not breaking the bank. There’s nothing wrong with the occasional treat- we all want to be able to splurge every now and again. But we also need to make sure that we’re not going overboard to the detriment of our financial health. Companies are waging war against our credit cards and checking accounts with advertising agencies at their sides. Our attention has been hijacked by marketers and this often leads to us buying more stuff that we don’t actually need. Couple that with rising prices due to inflation and higher levels of consumer debt and we realize that it’s going to take a healthy combination of wisdom, discipline, and intentional spending. Listen as we tackle all of this and as we propose some rules that will help us to be effective, but not excessive when it comes to treating ourselves.

During this episode we enjoyed a Cherry Livelihood Jackie O's! 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!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Freelancing Like a Pro & Sifting Through Financial Baggage with Paco de Leon #481 Feb 28, 2022

Show notes

Our mental state has so much to do with how we handle our money- this is one of the many things we talked about with Paco de Leon. Paco founded The Hell Yeah Group which is a financial firm focused on inspiring creatives to engage with their personal and business finances. She started this work after her experiences in small business consulting, financial planning, and wealth management. Paco’s work has been featured in The New York Times, Forbes, and NPR and her new book “Finance for the People” was published earlier this month. Not only is she the author, but Paco is also the illustrator- her drawings do a fantastic job driving home the different points she makes in her book so we’re recommending it for all the visual learners out there. During this episode we talk about what Paco learned from being a debt collector and her time in the marijuana industry, what it takes to be a creative freelancer, the role our emotions play, how she keeps her consumption in check, and plenty more!

During this episode we enjoyed a Lager Hell Rugenbrau- a big thanks to Julia for donating these delicious beers 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!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Friday Flight - 401k Millionaires, Cities with the Worst Traffic, & the Equifax Settlement FAIL #480 Feb 25, 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: medical tourism leading to an in vitro fertilization win, the S&P has entered correction territory, US cities with the worst traffic, bike buses dominating the road, money as a hobby, the Equifax settlement FAIL, BlockFi and how you should approach stablecoins, the rise of crypto trading fees, 401k millionaires, & a new airfare subscription.

Best friends out!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Is Capitalism A Force For Good? #479 Feb 23, 2022

Show notes

Sure you’ve heard the term- you know that capitalism is the primary economic system here in the United States, but is it the best option? And especially as of late, capitalism seems to be getting dragged through the mud. Depending on what you’re reading and who you’re listening to, you might be beginning to think that capitalism is the worst! However, we believe it’s actually a force for good and is an idea and concept that many fail to appreciate. Similar to the undervalued baseball players that Billy Beane scouted for the A’s to turn around their club, or something as simple as dental floss when it comes to taking care of your teeth- capitalism isn’t sexy, but it gets the job done. While we don’t think it’s the perfect solution, we’re going to spend this episode breaking down capitalism, why we think it works, and then what this means for us as individuals.

During this episode we enjoyed a Bourbon Barrel Brick Kiln by Jackie O’s! 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!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Ask HTM - Frugal or Cheap: Meal Kit Edition, What Happens to Unused 529 Plans, & Inherited Real Estate Taxes #478 Feb 21, 2022

Show notes

1 - Should I pay my statement balance or my current balance, and what’s the difference?

2 - What happens to money that is in unused 529 plan?

3 - Am I being Frugal or Cheap by hacking the meal kit delivery service promotions?

4 - Does it make sense to wipe out my student loans if it means it’s going to wipe out my savings?

5 - I’ve inherited a house- should I rent it as an investment property or just go ahead and sell it?

During this episode we enjoyed a Peanut Butter & Jelly by Edmund's Oast! 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!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Friday Flight - Emoji Investing, Crypto Tax Refunds, & When Buying Used Costs You More #477 Feb 18, 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: whether or not everyone should have a HELOC, used cars costing more than new, direct to consumer cremations, taking 36 months to pay for a cell phone, investing in emojis, cryptocurrency tax refunds, why high interest savings rates really aren’t that high, & credit card ‘thank you points’ vs cashback.

Best friends out!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

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