How to Money

Copyright: 2024 iHeartMedia, Inc. © Any use of this intellectual property for text and data mining or computational analysis including as training material for artificial intelligence systems is strictly prohibited without express written consent from iHeartMedia

Latest Episodes:

Friday Flight - College Cost Cutting, Predictive Credit Scores, & Work Perk Pruning #1134 May 01, 2026

Show notes

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like:

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Money Gears: knowing what to do with your money is crucial to your personal finance journey.
MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

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.

Flights Are Getting Pricier! (*here’s how to pay less*) w/ Kyle Potter #1133 Apr 29, 2026

Show notes

Most of our best memories (and stories) come from trips we’ve taken. Some were incredible international adventures while others were ridiculously cheap road trips across different parts of the U.S. It’s been said that travel is the only thing you buy that makes you richer, and we’re inclined to agree. Our guest today does too. Kyle Potter is the Executive Editor at Thrifty Traveler, a site dedicated to helping people travel more for less. He’s been to more than 30 countries, and his passion is helping people navigate the confusing world of airlines, travel points, and miles. We don’t even want to know how many miles Kyle’s got sitting around, but we do know he’s willing to spend a few of them on a nice bottle of champagne from time to time. Today we discuss:

How fuel prices, supply & demand, and competition impact ticket prices
Saving the most by being flexible and following the deals
Why you should plan to splurge
Booking a more expensive ticket allows you to save
Researching fares after booking
Packing smarter and traveling lighter to save
How Kyle saves when renting cars
Roundtrip tickets to Dublin for $134
And much more!

Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances:

Cashback credit cards: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Money Gears: knowing what to do with your money is crucial to your personal finance journey.

MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

Best friends out!

See omnystudio.com/listener for privacy information.

Ask HTM - Running the Financial Gamut From Squirreling Away an Emergency Fund to Real Estate Investing #1132 Apr 27, 2026

Show notes

We’re kicking off the week by answering your 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 - Torn: We’re behind when it comes to investing but it seems silly when we don’t have enough liquid savings… what do we do?!

2 - Pension: How aggressively should I invest my Roth IRA dollars when I have a safe pension to fall back on?

3 - Mortgage recast: What’s a good rule of thumb when I’m considering recasting my mortgage to shrink my monthly payment?

4 - Social Security: Why do y’all always say to delay and wait to draw on Social Security?

5 - Work-provided insurance: Should I pay extra for accidental death and dismemberment insurance or stick with the free option?

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Money Gears: knowing what to do with your money is crucial to your personal finance journey.

MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

During this episode we enjoyed a Comeback Sauce by Creature Comforts and Edmund’s Oast… thanks for donating this one to the pod Nick! 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 - Allbirds AI Audacity, 529 Flexibility, & Horrific HELOCs #1131 Apr 24, 2026

Show notes

$23 apples
Allbirds AI audacity
Returns that are too good to be true
One more year syndrome
ALTs in 401ks
Boycotting college savings
529 flexibility
Horrible HELOCs
Preparing for property taxes increases (check out our review of Ownwell to automatically save)
Gen Z meets credit cards
WSJ finally understanding the ‘craft beer equivalent’
BNPL at Coachella
The annoyance economy

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Money Gears: knowing what to do with your money is crucial to your personal finance journey.
MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

Best friends out!

See omnystudio.com/listener for privacy information.

Real Estate's Ticking Time Bomb w/ Bigger Pockets' Dave Meyer #1130 Apr 22, 2026

Show notes

The housing market is currently at a massive crossroads, and frankly, the old rules don't seem to apply anymore. We’re seeing a landscape of shifting interest rates, a potential reset in supply, and a level of volatility we haven't seen in decades. That’s exactly why we're going to hear from Dave Meyer - the Chief Investment Officer at BiggerPockets and a grounding voice in real estate data. We’re going to dig into the forces shaping the market right now in 2026, and then zoom out to look at the bigger trends that could influence how we buy homes in the years ahead... both as individuals and as investors. Today we discuss:

Defining “The Great Stall”
More analysis needed before purchasing a home
Factors leading to reduced housing demand
The impact of interest rates
Adjustable rate mortgages gaining in popularity
How investors should approach real estate today
Strategies for getting a 10% discount
Recency bias on homeowners and investors
Rising vacancy
House hacking
And much more!

Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances:

Dave: More housing talk on The Real Estate Podcast and On the Market and Dave’s over on Insta too.
Cashback credit cards: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Money Gears: knowing what to do with your money is crucial to your personal finance journey.
MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

Best friends out!

See omnystudio.com/listener for privacy information.

Ask HTM - Set for Life w/ Trump Accounts, Cash vs a Car Loan, & Vetting a Financial Advisor #1129 Apr 20, 2026

Show notes

1 - Financial advisors: What’s a good price for a financial advisor and is it worth the cost?

2 - Paying for a minivan: Should I pay cash or take the 1.9% loan they’re offering?

3 - Set for life: Why aren’t y’all talking about the Trump accounts to supercharge your kids retirement accounts?

4 - eSIM: Is this the best option for travel abroad and where should I get one?

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Money Gears: knowing what to do with your money is crucial to your personal finance journey.
MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

During this episode we enjoyed a Satisfied by Piedmont 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 - Frustrating Fees, Degree Doubts, & Upper-Middle Class Ascendancy #1128 Apr 17, 2026

Show notes

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Money Gears: knowing what to do with your money is crucial to your personal finance journey.
MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

Best friends out!

See omnystudio.com/listener for privacy information.

Can Millennials Count on Social Security? w/ Mike Piper #1127 Apr 15, 2026

Show notes

Let's talk about Social Security. More than music, clothing, or even political views, Social Security might be the single biggest generational fault line in America right now. Boomers are thrilled to finally be collecting on a promise decades in the making while Millennials and Gen Z are quietly wondering if there'll be anything left by the time we get there. And honestly? That concern isn't crazy! Social Security almost certainly isn't going away entirely, but it's probably not going to look exactly the same as it does today either. Mike Piper, CPA and Social Security expert, joins the show today to explore the future of Social Security, optimal claiming strategies, and how to plan for retirement amid uncertain benefits. Specifically covered:

What happens when the trust fund is gone?!
Downsides of overly conservative financial plans
Claiming strategies when we’re living longer
Adjusting plans after a health diagnosis
The Open Social Security strategy calculator
Taking opportunity cost into account
Early retirement considerations
Common mistakes with DIY investors
… and plenty more!

Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances:

Mike Piper: Head over to Mike’s site, Oblivious Investor for his latest writings and Open Social Security for his free open-source strategy calculator.
Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
Money Gears: Knowing what to do with your money is crucial to your personal finance journey.
Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!

Best friends out!

See omnystudio.com/listener for privacy information.

Ask HTM - Free Fidelity Funds, Credit Card Maxxing, & Debating a PTO Cash-Out #1126 Apr 13, 2026

Show notes

1 - Free Fidelity Funds: Are they the “cheap” option or a great way to get wealthy?!

2 - 3% Cashback: Will paying for a Robinhood Gold membership allow me to get my hands on the Gold credit card?

3 - Rising Insurance Premiums: What’s the deal with opting for higher deductibles for lower premiums?

4 - Social (in)Security: Why don’t lawmakers raise the income cap in order to help keep the trust fund solvent?

5 - PTO Cash-Out: Should I cash-out my paid time off to pay off our house sooner, or actually kick back a little more?

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Money Gears: knowing what to do with your money is crucial to your personal finance journey.
MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

During this episode we enjoyed a Soft Static by Inner Voice! 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 - Inflating the 25x Rule, Online Car Refinancing, & Affordable ADUs (Bestie Ep) #1125 Apr 10, 2026

Show notes

1 - How should I account for inflation when using the 25x rule to forecast my retirement?

2 - Are sites like RateGenius and Autopay legit places to refinance my car?

3 - I have the cash on hand to build an Accessory Dwelling Unit (ADU), but should I use a construction loan instead?

4 - Should I stick $6,500 into a Roth IRA, a Health Savings Account, or a 457b?

5 - Listener win: reaching out directly to a company resulted in cash in my mailbox!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Money Gears: knowing what to do with your money is crucial to your personal finance journey.
MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

Best friends out!

See omnystudio.com/listener for privacy information.

Our TOPPODCAST Picks

Follow Us

Stay Connected

Related Podcasts

Links

Stay Connected