How to Money

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Latest Episodes:

Choosing Name Brands Over Generics #236 Aug 05, 2020

Show notes

We’re all looking to spend less money, especially during these difficult coronavirus days, and one of the best ways to accomplish this is by going with generic or private label brands. Name brands have worked their way into our lives but they come at a cost. And then there’s the big question of: what products or purchases should I go generic with and when should I just stick with the name brand that I know and am more familiar with? During this episode we talk about why we’re fans of generics as well as some categories where it makes sense to make the switch and how to go about making the switch. But we’ll also make an argument for choosing name brands over generics as well- there are some purchases where we can cross over into the territory of cheap in an attempt to become more frugal.

During this episode we enjoyed a Spotted Cow by New Glarus- thanks to James for donating these beers 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.

Avoiding Financial Scams & Retirement Planning with Ben Carlson #235 Aug 03, 2020

Show notes

Ben Carlson is the Director of Institutional Asset Management at Ritholtz Wealth Management. There, he helps to create detailed investment plans and manage portfolios for institutions and individuals to help them achieve their goals. Ben is also the author of the new book “Don't Fall For It: A Short History of Financial Scams” which we’ll discuss. And on top of that, he has his own investing podcast called Animal Spirits, and he writes all about investing over at his site “A Wealth of Common Sense” - not only are we excited to talk about scams with Ben, but also how we as individuals should approach saving and investing for retirement.

During this episode we enjoyed a Coconut Stout & Coffee Cream Ale by Kiitos Brewing- thanks to Andy for donating these to the show! 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 - Surprise Covid Medical Bills and New Stimulus Bill Progress #234 Jul 31, 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 using Netflix payments to boost your credit score, the shortage of disinfectant supplies, upcoming sales tax holidays, working from home into 2021, and the stalled stimulus bill. After all of that we cover reports of surprise covid medical expenses and banks cutting credit lines without warning.

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.

Why You Are Probably Underinsured #233 Jul 29, 2020

Show notes

There are a lot of different types of insurance out there and it can be tough to know which types of policies you should look into and which ones to avoid. It’s easy to feel overwhelmed with the amount of information related to insurance, and that can lead you to not making any decisions at all. The end result is that things remain the same- and you’re underinsured. And then you might hear an anecdotal story of when a warranty or insurance policy came in handy for someone else, so you feel that should be a product to look into, but should you? You don’t want to end up overinsuring and paying too much every month for something you don’t really need! In this episode we’ll cover the role that insurance should play in our lives and then dive into the specifics of which plans we should absolutely have, the ones we should just consider, and then the ones we should completely avoid altogether.

During this episode we enjoyed a PB&J Sour by Shades Brewing- a big thanks to Andy 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.

Ask HTM - Investing in Startups, Refinancing Student Loans on a Fixed or Variable Rate, and Skyrocketing Home Insurance Rates #232 Jul 27, 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/

1 - Should I refinance my student loans into a variable or fixed rate?

2 - How does it work if I want to take a 401k distribution for some home renovations projects?

3 - Why have I seen my homeowner’s insurance rate climb and what can I do about it?

4 - What should I consider when it comes to investing in a startup via a new investing platform?

5 - In order to increase my credit score, how much of a limit increase should I request?

During this episode we enjoyed a Berry Salty by Talisman Brewing Co- thanks to Andy 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 - Mortgage Rates at All Time Lows and Back to School Spending #231 Jul 24, 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 how Aldi is expanding, back to school spending is expected to be higher than ever, where to check if you haven’t received your federal tax refund yet, and how to go about getting out of a lease. After all of that we cover how mortgage rates are at 50 year lows, no closing cost refinancing, and how the options available to us as retail consumers are decreasing.

Best friends out!

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

See omnystudio.com/listener for privacy information.

A Money Convo with Our Wives! #230 Jul 22, 2020

Show notes

It’s time to hear from our wives, Emily and Kate! We finally bring the ladies back on for an episode that we recorded while we were together at the beach. We wrestled the kids down to bed, rigged up a recording table in an echo-y beach house dining room, cracked open some beers and got to talking about personal finance. We fielded some questions from the Facebook group and addressed some topics like what it’s like to be married to a hardcore money nerd, frugal date night ideas, transitioning to a single income household, kids and money, teaching kids about money, and plenty more!

During this episode we enjoyed a Road Full of Promise 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.

Cutting Healthcare Costs with Crucial Knowledge with Scott Heiser #229 Jul 20, 2020

Show notes

We all want to reign in the spiraling costs of healthcare, so that’s why we’re talking today with Scott Heiser. Scott has more than twenty years of experience as a consultant for clients in the insurance and healthcare system. During those years he also led and developed an employee benefit practice that managed more than half a billion dollars in health benefits. Scott knows the ins and outs of what can feel like the overwhelming world of healthcare and insurance- in fact in his book: “Healthcare is Making Me Sick”, he dives into this very topic. Today, he is dedicated to sharing his knowledge to help educate and empower all of us who visit the doctor! So be sure and listen if you’re interested in spending less money while receiving better healthcare.

During this episode we enjoyed a Juice Willis IPA by Wrecking Bar Brewpub, one of our local Atlanta favorites! 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 - WTD if You’ve Lost Health Coverage & Tipping Extra #228 Jul 17, 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 the reopening of theme parks, the rise of touchless payments, plans for school districts this fall, and whether or not we should be tipping 50% at restaurants. After all of that we dive into the increased likelihood of losing a job this fall and where to go for health insurance if you’ve been laid off.

Best friends out!

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

See omnystudio.com/listener for privacy information.

Getting Creative with Vacation Plans #227 Jul 15, 2020

Show notes

Covid has impacted lots of areas of our lives - including our summer travel plans. So now is a great time to get a little creative if you are hoping for any sort of vacation. Many of us have had our getaways cancelled, or even if not, there’s a chance you may not feel great about being cooped up in an airplane for hours on end. Even if it’s relatively safe, it still isn’t something many of us want to do these days. But if you already have planned for a week off from work it’s important to still take that time off, even if your plans end up looking a lot different than you had originally planned. Don’t abandon that vacation altogether - listen as we explore some creative options for summer travel that will be affordable as well as fun.

During this episode we enjoyed a Phinizy Swamp Thing by Savannah River Brewing- thanks to Jeff 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.

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