How to Money

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Latest Episodes:

The Blueprint to Financial Wholeness w/ Tiffany Aliche #1124 Apr 08, 2026

Show notes

“The Budgetnista” needs no introduction, but here’s a quick one anyways: Tiffany Aliche has helped millions of people change the trajectory of their finances through her books, courses, and podcasts. What I especially love about Tiffany is that she’s a teacher at heart which is something shaped by a decade in the classroom and a master’s degree in education. Her passion for helping people truly thrive with money is contagious. It’s been 7 years since we’ve had Tiffany on the podcast so listen as we discuss a range of topics from practical approaches to budgeting, to dealing with financial shame and anxiety.

Creative, age appropriate ways to teach young kids about money
Financial choices have consequences, good or bad
Shame shields solutions
Your money will never do more than what your mindset will allow
Budgets exist to say “Yes…”
Knowing your noodle budget
Financial wholeness
Real luxury is living without financial worry
Money anxiety when you have enough
… and additional topics!

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

The Budgetnista: Head to GetGoodWithMoney.com to check out Tiffany’s book!
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!

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 - 4 Hours to Dispute $3.16, All-In on the S&P 500, and Hitting Coast FIRE #1123 Apr 06, 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 - Coast FIRE: How are we doing based on how much we’ve got in our state retirement accounts?

2 - Savings Bonds: What do I do with these 30 year old savings bonds that I was gifted back in the 90s!?

3 - Frugal or Cheap: Is it worth spending 4 hours disputing a $3.60 incorrect charge on a medical bill?

4 - S&P 500: After recently wising up and switching to fully invest in the S&P, how do I eventually rebalance before retirement?

5 - Appliance Land: Refrigerator died so what should we keep in mind as we buy our new one?

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

Coast FI: Not FIRE, But Not Retirement. Something in Between.
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 Blonde Fat Ale (CORRECTION: Fatale… I’m guessing bc of the ABV? But it really looks like Fat Ale on the can) by Backpocket Brewing – thanks Clint for sending this one along to 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!

See omnystudio.com/listener for privacy information.

Friday Flight - Stellar Staycations, Devilish Destination Fees, & Pay Cut Gut Punch #1122 Apr 03, 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.

Best friends out!

See omnystudio.com/listener for privacy information.

Capitalism for ALL: Making the System Work for Everyone w/ John Hope Bryant #1121 Apr 01, 2026

Show notes

You might expect someone who experienced homelessness as a kid to grow up angry at the financial system. Instead, John Hope Bryant set out to understand it and help more people succeed within it. Our guest today believes financial literacy isn’t just helpful but foundational to economic opportunity and even human dignity. John is the founder, chairman, and CEO of Operation HOPE, one of the nation’s leading organizations focused on financial literacy, credit access, and economic empowerment. Today, we’re talking about his personal story, economic mobility, entrepreneurship, and what it really takes to build a financial system that works for everyone. We cover:

The ‘third reconstruction’
Doing well and doing good
Improving over burning our current system
How our economy is driven by consumer spending
AI upskilling and its impact on jobs
Capitalism isn’t a blue vs red political choice
Ladders of economic mobility
Incentivizing corporations to help those in need
The ‘American bet’ and what he thinks will give you a good shot at success
And plenty more!

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

John Hope Bryant: Check out Operation Hope, John’s non-profit that works to expand economic opportunity via free enterprise, as well as his latest book, Capitalism For All: Inclusive Economics and the Future-Proofing of America.
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 - Marriage Goals Over Investing, SS Survivor Benefits at Age 30, & Best Cars for New Mamas #1120 Mar 30, 2026

Show notes

1 - Marriage goals: Now that we have more cash coming in, should we invest more or have a wedding?

2 - Skipping life insurance: Why shouldn’t I just forego term life if I can claim social security survivor benefits?

3 - DCFSA: Is it legal for my partner to claim our new daughter in order to contribute more to a dependent care flexible spending account?

4 - New cars: First-time mama asking what the best rides are with a baby in tow?

5 - $100,000: What should we do with an inheritance if we have a serious medical condition but also have investing goals?

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 Wonder Struck by Singlespeed Brewing – thanks Clint for sending this one along to 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!

See omnystudio.com/listener for privacy information.

Friday Flight - Long Airport Lines, Rent In Installments, & Plasma Payday! #1119 Mar 27, 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.

Why Money Decisions Feel Rigged w/ John Campbell #1118 Mar 25, 2026

Show notes

This show exists to help you make smart decisions with your money. But if we’re being honest, How To Money might not be as necessary if the financial system weren’t so confusing in the first place. For a lot of people, navigating modern money realities feels like swimming in shark-infested waters with high stakes, unclear rules, and the potential for costly mistakes at every turn. Our guest today is Professor John Campbell, author of the book Fixed: Why Personal Finance is Broken and How to Make It Work for Everyone. John is an economics professor at Harvard, who believes the financial system has a responsibility to serve ordinary people with products they can understand, afford, and safely use. Today, we’re talking about what’s broken in personal finance and what real solutions could look like. We specifically discuss:

Disparities in financial products
Complexity in personal finance
Problematic financial products
Human behavior when it comes to money decisions
Dangers of loyalty
Limitations of individual responsibility
What a rebuilt financial system could look like
Balancing protection and freedom
… and additional topics!

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

John Campbell: Be sure and check out John’s new book, Fixed.
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 - Mag-7-Nondiversification-Risk, Cutting Up 13 Credit Cards, & Best Tax Refund Opportunities #1117 Mar 23, 2026

Show notes

1 - International investing: Should I look outside of the US if I’m concerned about “Mag-7-nondiversification” in the S&P?

2 - Grunt work: Is it frugal or cheap to work for beer at my local craft brewery? PLUS a healthcare question…

3 - 13 credit cards: As we eliminate our credit card debt should I close my cards or keep them around?

4 - Cell service: Where to go for the most affordable home internet and cell service?

5 - Tax refund: What’s the best use of a $2,000 refund that I’m expecting to receive?

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 Fire, Skulls, and Money by Toppling Goliath – thanks Clint for sending this one along to 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!

See omnystudio.com/listener for privacy information.

BONUS: Stop Doing So Much w/ Justin Peters of FI Minded Podcast Mar 21, 2026

Show notes

Thanks to Justin for having Joel on his show, FI Minded!

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The FI community is incredibly good at effort, optimization, and doing hard things for a long time. But somewhere along the way, many of us forget how to stop. Even after gaining more control over our time, we fill it back up with projects, commitments, and expectations, leaving us busy, tired, and quietly stretched thin.
Joel Larsgaard shares what it looked like to recognize that “doing it all” was no longer sustainable, even when the work was meaningful. After front-loading years of effort through saving, investing, and building How to Money, Joel began intentionally pulling back: working fewer hours, prioritizing family and health, and even taking a six-week sabbatical. This conversation explores why doing less isn’t laziness, but a necessary evolution after years of striving.
You’ll hear how financial independence can be used as a tool for time, not just wealth, along with practical ways to say no, resist constant expansion, and create space without losing ambition. If you’ve reached a point where more effort isn’t improving your life the way it used to, this episode offers a healthier path forward - one built on balance, presence, and intentional choices.

See omnystudio.com/listener for privacy information.

Friday Flight - Warflation, Attractive ARMs, & Drone Home Assessments #1116 Mar 20, 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.

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