How to Money

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Latest Episodes:

Ask HTM - Frugal or Cheap with a Disappointed Daughter, Awkwardness in Combining Finances with a Partner, & Balance Transfer Cards for Large Expenses #436 Nov 15, 2021

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 daughter doesn’t like the helmet I bought for her that was on clearance - frugal or cheap?

2 - How do I overcome some awkwardness as my partner and I combine our finances?

3 - Should I be looking to just get the match or should I max out my employer provided 401k?

4 - Does it make more sense for an older family member to draw on retirement accounts before social security?

5 - Is using a balance transfer credit card a good idea for a large expense I have coming up?

During this episode we enjoyed a Bell’s Two Hearted Ale- a big thanks to Chris and all of our friends at the brewery for donating this one 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!

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See omnystudio.com/listener for privacy information.

Friday Flight - Zillow’s Implosion, Your Office Beckons, & the 401(EXTRA)k #435 Nov 12, 2021

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: YNAB raising rates, the 401(EXTRA)k, your office beckons, negotiating higher pay, entrepreneurs are happier, cutting a vehicle with e-bikes, senior citizens and crypto holders getting scammed, millennials love DIY investing, active managed funds disappointing performance, Zillow’s implosion, the future of iBuying, & how to go about refinancing.

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!

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

See omnystudio.com/listener for privacy information.

Think Twice Before Investing #434 Nov 10, 2021

Show notes

Investing isn’t as simple as just throwing some money in the market and crossing your fingers. Yes, we do want you to invest. And yes there’s a chance you could probably invest more than you currently are. But there are a host of additional considerations that we want you examining before you open a brokerage account on your phone, initiating a transfer, and hitting purchase. Do you know what you’re investing in? Can you easily explain it to a friend? How do you feel about volatility, fees associated with that investment, illiquidity, and your time horizon? We like to think of it like taking a road trip- there are a number of things to do keep in mind like: do I know where I’m going, does my boss know I’m taking time off work, how long am I going to be gone, and can my car even handle a road trip of this magnitude? We’re not trying to dissuade you from investing, but we do want you to think twice before investing.

During this episode we each enjoyed an Emergency Drinking Beer by Wild Heaven! 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.

Retire Sooner and Increase Your Happiness Now with Wes Moss #433 Nov 08, 2021

Show notes

How necessary is money in order to be happy? That’s one of many questions we’re asking our guest today- Wes Moss. Wes is the host of his own podcast “Retire Sooner” as well as “Money Matters”, the country’s longest-running investment radio show. During this episode we learn about his childhood growing up alongside the Amish, and how that piqued his curiosity as he began writing and researching for his latest book, “What the Happiest Retirees Know”. Wes starred on the Apprentice, is a father of four, and is now the Chief Investment Strategist at Capital Investment Advisors which is a fee-only investment firm w/ over $2.8 billion in assets under management. But during this episode we’re going to really focus on the specific habits that we need to begin cultivating now in order to lead happy and fulfilling lives.

During this episode we enjoyed a Fantasia by Upright 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!

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

See omnystudio.com/listener for privacy information.

Friday Flight - Savings to the Moon, Dodging Debt Collectors, and One Stingy Shaq #432 Nov 05, 2021

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: we’ll see you at Monday Night Garage tonight, savings rates to the moon, Series I Savings Bonds paying over 7%, credit card debt leading to poor physical health, dodging debt collectors, gig companies under fire, sustainable investing scams, female investors outperforming their male counterparts, and one stingy Shaq.

Best friends out!

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

See omnystudio.com/listener for privacy information.

Squid Game Money Lessons #431 Nov 03, 2021

Show notes

*No spoilers contained* We’re not going to make it a habit of dissecting the nuggets of personal finance wisdom that we can glean from popular shows or movies, but that just depends on the show. And in the case of Squid Game, there were way too many money lessons calling out to us to ignore. Personal finance is a fundamental aspect of our lives but oftentimes it’s an area that gets shunted to the side when it comes to the entertainment we consume- that certainly wasn’t Squid Game’s approach. Money is front and center, and even though we’re not going to dive into the specifics of the show and give away any details, there are still a ton of different lessons that we can learn. And the best part if you’ve trimmed Netflix from your monthly budget- you don’t have to be a fan of the show in order to appreciate this episode!

During this episode we each enjoyed an Alpha Abstraction IPA Vol 18 by Wild Leap! 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 - Paying for Medical Tourism, Best Ways to Use an HSA, & Investing in Local Businesses #430 Nov 01, 2021

Show notes

1 - How should I go about paying for some medical tourism?

2 - Was my mom right for being upset when her credit card limit was increased?

3 - What steps should I take if I want to invest $5,000 locally in my community?

4 - As we’re enrolling in a Dependent Care FSA (Flexible Spending Account), what should we consider?

5 - Should I use my HSA (Health Savings Account) funds to pay for medical expenses or to invest?

During this episode we enjoyed a SchmoojeeBox by Imprint Beer Co! 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 - Buy Nothing Groups, Student Loan Forgiveness Made Easy, & @jack Cries Hyperinflation! #429 Oct 29, 2021

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: how you should come have beers with us in Atlanta, Buy Nothing groups to save, work stress leading to overspending, new car prices at all time highs, the solution to sky high car payments, “We’ve been trying to reach you about your car’s extended warranty”, Florida man wins the lottery, @jack cries hyperinflation, bots scooping up scarce Christmas gifts, student loan forgiveness made easy, & what to do about federal student loan transfers.

Best friends out!

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

See omnystudio.com/listener for privacy information.

Facing Down Our Spookiest Money Fears #428 Oct 27, 2021

Show notes

Fear is an emotion that is hard-wired in us as humans, and so we naturally want to avoid the things that frighten us. But the biggest problem with this survival instinct is that there are times when we must face these fears in order to move forward and get ahead in life. We have a natural desire to avoid pain but if we don’t address it head-on, it’ll often lead to worse pain and problems down the road. This is often true when it comes to relationships, with our physical health, and it’s definitely true when it comes to our money. It’s a serious issue when we let fear get in the way of taking action. During this episode, with Halloween just around the corner, we cover some of the most common money fears that lurk in the back of our minds, and how to face them down in order to get one step closer to financial freedom.

During this episode we both enjoyed a Hopfenweisse by Schneider Weisse- a massive thanks to Zach for sharing these with us! 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.

Raising Financially Savvy Kids with Liz Frazier #427 Oct 25, 2021

Show notes

It’s time to do a deep dive on raising financially savvy kids! We’re joined by Liz Frazier who is a fee-only, Certified Financial Planner and she is also the author of “Beyond Piggy Banks and Lemonade Stands: How to Teach Young Kids About Finance.” Liz is all about kids and finance, and to get specific, it was when Liz was pregnant with the first of her three children that she was setting up a 529 acct and preparing her will, that everything clicked. That’s when she realized that she wanted to be a financial planner because, like so many new parents, she realized the overwhelming need to make sure her family was financially prepared. And raising children who are equipped with financial knowledge is an important part of that role as a parent. During this episode we talk about having money conversations that stick with our kids, the way Liz does allowance with her 3 kids, how to get kids excited to save, spend, and share, among many other helpful topics.

During this episode we both enjoyed an Baerlic Beer Co Pioneer Fresh Hop ESB- a massive thanks to Brandon for sending us these beers that were fresh off the vine! 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.

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