How to Money

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Latest Episodes:

Friday Flight - Getting Paid to Vaccinate, Generous Return Policies, & the Best Jobs Paying Over $100k #306 Jan 15, 2021

Show notes

It's time for a Friday Flight! These episodes are all about the week’s news and the effects of the pandemic on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to come out on the other side even stronger. In this episode we cover some interesting and helpful stories like: getting paid to get vaccinated, bringing down the cost of your cell phone bill, generous return policies for online shopping, snagging the best car deal over MLK Jr. weekend, Carmax offering a 1,500 mile return window for their cars, the best jobs that pay over $100k, using accessory dwelling units to generate passive income, 15 months of rent assistance available, and new PPP funding for the businesses we love.

And as we’ve kicked things off with a bang in 2021, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!

Best friends out!

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

See omnystudio.com/listener for privacy information.

Big Money Moves You’re Probably Overlooking #305 Jan 13, 2021

Show notes

When we need to make some serious changes to our personal finances, the small tweaks and changes aren’t going to cut it. Instead, we need to take a look at some of the bigger money moves that will allow us to drastically save and invest more of our money. And often, this isn’t an instinctual response. For many reasons we tend to immediately focus on and get bogged down with the little stuff- it’s the small money moves that often get much of the attention. For example how often do we hear about cutting out a latte or the proverbial avocado toast. But while it is certainly easier to forego a to-go coffee than to look at the bigger money levers in our life, those changes are also going to have a far smaller impact. It’s time to focus on the big stuff!

During this episode we both enjoyed a Holmberg Bound by Four Peaks Brewing- thanks to Jacob for donating these beers to the show! And as we’ve kicked things off with a bang in 2021, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!

Best friends out!

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

See omnystudio.com/listener for privacy information.

Ask HTM - Paying Your Mortgage with a Credit Card, Where to Put Baby Money, Buying and Selling a Car with Carvana #304 Jan 11, 2021

Show notes

We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo!

1 - How can I put my monthly mortgage on a credit card in order to score cashback?

2 - When it comes to long term disability insurance, is it worth it to pay more for a longer benefit period?

3 - How should we start investing money that we’re receiving for our newborn?

4 - Can I rollover my entire IRA into an HSA in order to avoid paying taxes?

5 - Why do y’all recommend Carvana when their prices aren’t all that competitive?

Best friends out!

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

See omnystudio.com/listener for privacy information.

Friday Flight - Life w/o Amazon, New Data Saying Roths Stink, & Taking a Sabbatical #303 Jan 08, 2021

Show notes

It's time for a Friday Flight! These episodes are all about the week’s news and the effects of the pandemic on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to come out on the other side even stronger. In this episode we cover some interesting and helpful stories like: stimulus check delays, new data saying that Roth IRAs stink and why we disagree, life without Amazon, Flexible Spending Account (FSA) changes in the new relief bill, harsher prison sentences for illegal streaming, a new streaming service aggregator service, dirty debt collection tactics, as well as paid time off and sabbaticals.

Best friends out!

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

See omnystudio.com/listener for privacy information.

The 7 Money Gears: When, to do What, with your Money #302 Jan 06, 2021

Show notes

“What do I do next with my money?” - if this is a question you’ve asked yourself before, then the answer is: right here, with this episode! We cover so many money topics that it can be difficult to know how they all relate to you on your own personal finance journey. This episode serves as an incredibly helpful tool that will let you know if you’re headed in the right direction. We use the analogy of biking and how there are 7 Money Gears that we all need to follow to get ahead with our money. And it’s important to shift through these gears in order as well! Listen and find out if you’re on the right track, the importance of momentum when shifting money gears, and what it looks like to achieve financial independence.

During this episode we enjoyed a Future Knowledge by Paradox. And as we’ve kicked things off with a bang in 2021, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!

Best friends out!

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

See omnystudio.com/listener for privacy information.

The Power of Habit with Charles Duhigg #301 Jan 04, 2021

Show notes

If you’re wanting to know how to make a New Year’s resolution actually stick this year, then this is your episode! Charles Duhigg is a Pulitzer Prize-winning journalist who writes for the New Yorker, the New York Times Magazine, and many other publications. He is also author of bestsellers The Power of Habit and Smarter Faster Better, and he’s the host of Slate’s podcast How To! As a business and self-help expert, Charles explores habit formation and the science of productivity in order to help folks on a day-to-day basis. We’re excited to have him join us on this episode to talk about how we can implement better habits when it comes to our personal finances, and how we can lead a more productive life in general.

During this episode we enjoyed a Boysen in the Yard by Wrecking Bar Brewpub. And as we’ve kicked things off with a bang in 2021, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!

Best friends out!

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

See omnystudio.com/listener for privacy information.

Friday Flight - The New Relief Bill, 2021 Predictions, and Getting Paid in Bitcoin #300 Jan 01, 2021

Show notes

Hello 2021, it's time for a Friday Flight! These episodes are all about the week’s news and the effects of the pandemic on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to come out on the other side even stronger. In this episode we cover some interesting and helpful stories like getting paid in cryptocurrency, sports memorabilia at Costco, details from the new relief bill like who is getting stimulus checks and when they should be arriving, extended unemployment benefits, student loan provisions, why we’re not fans of debit cards, and then what to expect in 2021: the stock market, spending habits, housing market, and home equity trends.

Best friends out!

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

See omnystudio.com/listener for privacy information.

Money Jubilee: Celebrating Listener Money Wins in 2020 #299 Dec 30, 2020

Show notes

It’s time to party! During this episode we’re going to hear how many of y’all were able to get ahead with your personal finances this year. The ability for us to slow down and take the time to celebrate our money wins is going to have a lot of positive effects on all of us. Not only does it motivate you personally, but it gets others pumped who might be in a similar situation! And this is even more important after a rough 2020- considering that over 68% of Americans have reported experiencing financial setbacks this year, we need to hear some uplifting personal finance stories! Often we don’t celebrate after we’ve worked hard to achieve something. Sometimes there’s a tendency to have that onward and upward mentality, looking for that next best thing, but not today. Today on the show, we share our money wins for the year and we’re going to feature some of the awesome moves from the How to Money community as well. Thanks to all of you for being a part of this super fun episode!

During this episode we both enjoyed a Winter Welcome Ale 2020-2021 by Samuel Smith. And as we’re looking forward to kicking things off with a bang in 2021, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!

Happy New Year, best friends out!

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

See omnystudio.com/listener for privacy information.

Ask HTM - Payoff My Mortgage or Hold as Cash, Tapping a 401(k) to Pay Off a Credit Card, and MVNO's for Everyone to Save Money #298 Dec 28, 2020

Show notes

We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo!

1 - How can I get a conversation started with my girlfriend about personal finances?

2 - Should I pay off my mortgage or should I hang on to that in cash?

3 - Does it make sense to borrow from my 401(k) in order to pay off a credit card?

4 - Is it worth it to stick with a budget cell phone provider?

5 - How can I avoid underpayment penalties from the IRS and should I set up a retirement account through my business or set it up as a personal account?

During this episode we both enjoyed a Trader Joe’s Winter Spiced Ale 2020. And as we’re looking forward to kicking things off with a bang in 2021, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!

Best friends out!

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

See omnystudio.com/listener for privacy information.

Debt Snowball vs. Debt Avalanche Approach To Paying Down Debt (Bestie) #297 Dec 25, 2020

Show notes

What is the best way to pay down debt? Americans are in tremendous amounts of debt (think over 400 billion on just credit cards alone)! Not only is this debt keeping folks from reaching their financial goals, but it’s also taking a toll on the mental health of borrowers. Knowing the best strategy to get out of this debt is a big deal and could be the difference between living paycheck to paycheck or achieving financial freedom. Listen as we cover both approaches so you can decide which is better for you: the debt snowball (popularized by Dave Ramsey) and the debt avalanche (also known as debt stacking).

During this episode we enjoyed a Maple Vanilla Copra Kai by Southern Grist Brewing. And as we’re looking forward to kicking things off with a bang in 2021, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!

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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