How to Money

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Latest Episodes:

Friday Flight - Mortgage Lending/Refi News, Online Spending Trends, & Pumpkin Spice #246 Aug 28, 2020

Show notes

It's time for a 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 practical topics like the true cost of a pumpkin spice latte habit, the delay of the additional refinance fee, but at the same time some lenders are asking borrowers to waive their ability to request forbearance, and how some companies are beginning to restore hours and salary cuts made back in the spring. After all of that we touch on stimulus check updates, why we should be alert to the fact that online spending has skyrocketed, a new proposal pertaining to health sharing plans, and then what to do with a credit card that has an annual fee.

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.

The High Cost of Paying for Convenience #245 Aug 26, 2020

Show notes

Convenience (and the products and services that make it possible) has infiltrated it’s way into our daily spending - so much so, that it’s become our default option. Who doesn’t want things to be a little easier and a little more accessible? Convenience can be a nice perk of our modern economy, but it can also come at a high cost. And the big problem here is that American consumers are spending more money than ever on different conveniences without giving it a second thought. We’re being parted with our money without even realizing it! So our goal for this episode is to shine a light on the different reasons that we often go with the more convenient option. And then we’re also going to suggest some simple solutions for us to overcome these costly options. By recognizing our natural tendencies, hopefully we can resist these urges which will also allow us to save money. We don’t want to take the easy and more expensive way every time we’re faced with a decision.

During this episode we enjoyed a Chimay Grand Reserve! 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.

Ask HTM - Roth vs. Trad 401k, Lower Credit Score After Paying Off CC Debt, and Talking with Parents About Investing Episode #244 Aug 24, 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 should I do with the proceeds from selling my house?

2 - Is it better to max out my HSA now or allow it to continue to be regularly deducted from my paycheck?

3 - Should I go with a regular or Roth 401k and does it make sense for me to stick around until I’m 100% vested?

4 - Why did my credit score drop after paying down a bunch of credit card debt?

5 - What advice should I give my parents who are looking to retire within the next decade?

During this episode we both enjoyed a Dr. Fünke’s Sour Pale Ale by Wrecking Bar Brewpub! 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 - A New Refi Fee & Additional Unemployment Benefits Rolling Out #243 Aug 21, 2020

Show notes

It's time for a 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 topics like the cost of the 10 most popular sandwiches you can make at home, why you might be able to negotiate down your monthly rent, a new refinance fee that will begin next month, and how to go about raising your credit score to snag the best rate when it comes time to refinance. After all of that we cover why the increasing cost of new vehicles is a bad thing, executive orders and their impact on student loan payments as well as unemployment relief, the decrease in full-time jobs, and the S&P 500 hitting record highs.

Best friends out!

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

See omnystudio.com/listener for privacy information.

No Car No Problem! #242 Aug 19, 2020

Show notes

More of us need to be considering dropping a car from our lives - especially as so many of us are now working from home indefinitely! Are we even using those vehicles?! But even if you are going in to work everyday, it’s time to question whether or not it makes sense to continue paying nearly $800 in order to own and maintain that vehicle. Transportation costs are typically the 2nd largest expense we have every single month so getting rid of a car can have a massive effect on your monthly expenses. On top of the positive financial ramifications, there are other awesome side effects too. We’ll dive into all of those benefits as well as how you can go about owning one less car in this episode.

During this episode we enjoyed a Ourison by Tired Hands 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.

Serial Entrepreneurship and Creating a YouTube Business with Minority Mindset Founder Jaspreet Singh #241 Aug 17, 2020

Show notes

Jaspreet Singh joins us on the podcast today and he can probably best be described as a serial entrepreneur. However, a life of entrepreneurship wasn’t always the plan for him. Jaspreet was born to immigrant parents and grew up bilingual in a traditional Sikh family, with the strong expectation that he was going to be a doctor, but that didn’t end up being the case! A growing interest in investing led him to YouTube where his channel Minority Mindset now has close to 650k subscribers. Through Jaspreet’s educational and entertaining videos, he is able to share wisdom around personal finance and investing. During this episode we talk all about entrepreneurship, what it means to have a Minority Mindset, and how to go about building a YouTube channel from scratch.

During this episode we enjoyed a Bright Day Coming by 3 Taverns! And as we have 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 - Executive Order Confusion & Traveling Again #240 Aug 14, 2020

Show notes

Friday Flight 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 topics like the increase in bike sales, an employer selling a corporate office, and executive order stimulus bill confusion. After all of that we cover traveling again, getting refunds due to cancelled flights, and the decline of household debt during the pandemic!

Best friends out!

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

See omnystudio.com/listener for privacy information.

Financial Lessons Learned During Covid #239 Aug 12, 2020

Show notes

The novel coronavirus has had a domino-like effect on so many areas of our lives including our finances. Maybe you’ve lost your job and have had to file for unemployment for the first time ever. Or perhaps you technically still have a job but you have been furloughed and are realizing how little you have in savings. Most of the lessons we’re going to discuss in this episode aren’t brand new, but due to the health crisis, they’re more important than ever. It’s vital to reflect on those lessons so that we don’t forget them - not only do we need to put those lessons to work now during the pandemic, but we also need to continue to implement that knowledge in a way that continues to help us for years to come.

During this episode we enjoyed a Modus Vivendi by The Wild Beer Co out of England! 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.

Ask HTM - Upside Down on My Car Loan, How Should I Tackle Paying Student Loans, and Loaning Money to Family and Friends #238 Aug 10, 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 - I’m upside down on a car that has huge maintenance costs- what should I do?

2 - Should I forego my company’s match due to their long vesting period?

3 - Does it make sense to focus on our student loans with the largest balance or the highest interest rate?

4 - Should I continue loaning money to my sister if I feel like I’m enabling her poor money decisions?

5 - How can I go about reducing my adjusted gross income in order to pay as little in taxes as possible?

During this episode we both enjoyed an I Want to Dance with Somebody by Monday Night 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 - The Investing Gold Rush and Negotiating Severance Pay #237 Aug 07, 2020

Show notes

Friday Flight 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 a lot of interesting topics like new cell phones and affordable cell phone service, investing in gold and precious metals, and increased private equity options in your 401k. After all of that we cover how small businesses are innovating but still struggling, negotiating a severance pay package, and starting the money conversation with your friends.

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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