How to Money

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Latest Episodes:

Cultivating a Healthy View of Work (Bestie Ep) #296 Dec 23, 2020

Show notes

Every once in a while we like to step back and think about our work. Why do we do it? Are we doing a good thing? There are a lot of misconceptions of work floating around the internet and our workplaces today. There’s the generally more millennial-ish, romanticized view of work as a calling and a means of personal fulfillment, and on the flip side there’s the end goal of a stable career where your loyalty and daily grind results in a predictable paycheck but maybe not much else - many of us fall somewhere on this spectrum. Regardless of your current views toward work, we want you to know that work is a wonderful thing and yet work isn’t everything. Viewing work in a healthy way takes intentionality and balance! Join us as we cover a few key concepts central to developing a healthy philosophy toward work.

During this episode we enjoyed a Hawaiian Christmas Land by Little Cottage Brewery. 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!

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See omnystudio.com/listener for privacy information.

The Power of Knowing Yourself with Rachel Cruze #295 Dec 21, 2020

Show notes

We’re excited to have Rachel Cruze join us today on the podcast for an episode all about self-awareness and money. Rachel is a two-time #1 national best-selling author, financial expert, and host of The Rachel Cruze Show. Since 2010, Rachel has served at Ramsey Solutions where she teaches folks to avoid debt, save money, and win with their money at any stage of life. She has authored three best-selling books, and her latest book Know Yourself, Know Your Money is set to release in early January. We dive into self-discovery, unique money tendencies that we all have, the role of fear when it comes to how we handle our money, and the different types of dreams and their impact on our personal finances. Here on the show we often talk about the “why behind our money” and that’s what this episode is all about.

During this episode we enjoyed a Shattered Remains of Nothingness- another amazing beer by Burial. 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.

Friday Flight - Important Investing Deadlines, Appliance Shortages, and Privacy Labels #294 Dec 18, 2020

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 important retirement investing deadlines, buying Airbnb stock, the downside of Poshmark and other gig apps, personal data usage and privacy transparency, where to buy furniture online, avoiding buy-now pay-later installment plans, appliance shortages due to covid, the $300 above-the-line charity deduction, nonprofits and contactless donations, employers matching employee donations, and donating frequent flyer miles.

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.

Conducting A Personal Year-End Money Review #293 Dec 16, 2020

Show notes

Planning for the future and looking forward to the next best thing in our lives is natural- especially this time of year! But here’s the problem: it’s hard to know how to move forward and what steps you need to take if you haven’t reflected on the past. So during this episode we raise some questions that you can ask yourself before you start thinking about next year. This will not only help you to realize that 2020 wasn’t a complete throw-away year, but it should also directly inform the actions and goals you’ll set for yourself in 2021. These questions will help you to begin your financial year in review.

During this episode we both enjoyed a Montmorency & Balaton Cherry Sour by Westbrook 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.

Ask HTM - Putting More Expenses on Credit Cards, the Sweet Spot on a Home Refinance, and WTD with an Extra $5000 #292 Dec 14, 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 - What are the pros and cons of putting all of my expenses on a credit card?

2 - How much lower should an interest rate be in order to make a home refinance worth it?

3 - How do I go about breaking ties with my dad’s financial advisor?

4 - Should I save or invest a gift of $5,000?

5 - If family members loan me money for a down payment, how would that impact my ability to get a mortgage?

During this episode we both enjoyed a Fruit/Wood/Time: Black Raspberry which is a Sour by Westbrook Brewing. And as we’ve ramped up the podcast with an additional Friday episode every week, 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 - Virtual Job Interviews, WFH in Hawaii, & Zoom Santas Making Bank #291 Dec 11, 2020

Show notes

It's time for a holiday season Friday Flight! These episodes are all about the week’s news and the effects of Covid-19 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 $550 headphones, 401k matches are back, free airfare to Hawaii, travel insurance covering covid, better MBA options, Zoom Santa’s making bank, virtual job interviews, high school grads earning 70% more, and the student loan forbearance extended.

Best friends out!

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

See omnystudio.com/listener for privacy information.

Enjoying the Holidays without Spending a Dime #290 Dec 09, 2020

Show notes

We don’t want you to cancel the holidays- we want you to cancel the overconsumption and debt that typically accompanies the holiday season. Americans racked up an average of $1,325 last year- how much more of a problem will it be this year as so many folks are still reeling from the impact of covid?! For many of us, our default way of thinking is that in order to have a “successful and fun” holiday season, we need to spend a ton of money. Even for frugal folks like us, it can be easy to get caught up in all the spending even if we are able to avoid the debt. So during this episode we talk about ways to resist overconsumption and how to enjoy the holidays without going overboard.

During this episode we both enjoyed an Owl Theory by Fieldwork Brewing Company- a big thanks to Tim for donating this one to the show! And as we’ve ramped up the podcast with an additional Friday episode every week, 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.

Negotiating a Fatter Paycheck in Uncertain Times with Rich Jones #289 Dec 07, 2020

Show notes

On today’s episode we’re joined by a fellow personal finance podcaster: Rich Jones, host of Paychecks and Balances. Rich has also worked in human resources and recruiting for the better part of a decade, and so we’re particularly excited to talk with him about negotiating raises. Entrepreneurship tends to get all the attention, but for most folks, the steady 9-5 job with benefits is how they’re paying for life. It’s really important to talk about handling interviews, identifying transferable skills, and navigating performance review season because these are all factors in determining how much you’re paid! So if you’re interested in negotiating a fatter paycheck, then this episode is for you!

During this episode we enjoyed a Boss of the Plains by Fieldwork Brewing Company- a big thanks to Tim for donating this one to the show! And as we’ve ramped up the podcast with an additional Friday episode every week, 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 - Bitcoin Blowing Up, Cars That Hold Their Value, and Christmas Trees- so hot right now! #288 Dec 04, 2020

Show notes

It's time for a holiday season Friday Flight! These episodes are all about the week’s news and the effects of Covid-19 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 federal tax credits for biomass stoves, Christmas tree sales spiking, Bitcoin blowing up, cooking at home pandemic fatigue, phone calls on US flights, a new study on car depreciation, spending your FSA money before the end of the year, and some final thoughts on customer service.

Best friends out!

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

See omnystudio.com/listener for privacy information.

Do I Need a Perfect Credit Score? #287 Dec 02, 2020

Show notes

Everyone knows that it’s good to have a high credit score- it’s true, but what is high enough? It can be tempting to spend an inordinate amount of time in pursuit of the perfect score, but we’re here to let you know that it’s a waste of time and energy. You’ll find that chasing after the elusive 850 will likely leave you feeling disillusioned, IF you even achieve it. There’s no pot of gold at the end of that rainbow! Yet, our credit scores impact a lot of different areas of our lives. They truly are important and they deserve our attention! So during this episode we talk about what we feel is a healthy credit score, where to track your score for free, as well as some actionable tips in order to raise it. Just don’t get sucked into the trap of thinking you need a perfect credit score.

During this episode we both enjoyed a Nuclear Seahorse by Booneshine Brewing - thanks for donating this one to the show Christopher! And as we’ve ramped up the podcast with an additional Friday episode every week, 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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