How to Money

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Latest Episodes:

Ask HTM - High Yield Checking Accounts, WTD with a Bunch of Cash Right Out of College, and Cash Value Life Insurance #226 Jul 13, 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 always follow the 1% rule as I consider buying an investment property?

2 - If I want to open a new online checking account, should I look to an online brokerage?

3 - How solid is cash value life insurance as an investment tool?

4 - As a recent college graduate, what should I do with a bunch of money I’ve saved up?

5 - I’m a circus performer and am starting a podcast- how do you edit and publish your podcast?

During this episode we enjoyed a Blanc-y Kong Vol. 2 by Savannah River Brewing Co- 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.

Friday Flight - Lending Money to a Friend and the Soaring Cost of Streaming Services #225 Jul 10, 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 thrive. In this episode we cover a lot of interesting topics like how students who lost summer jobs could be eligible for unemployment, what to do if you received a stimulus payment intended for a deceased family member, the coin shortage that small businesses are experiencing, and some thoughts if you’re considering lending money to a friend or family member. After all of that we dive into the new soaring costs of streaming TV services.

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 Simple Steps to Achieve Fire #224 Jul 08, 2020

Show notes

How do you achieve FIRE? Last week we discussed the pros and cons of the Financial Independence Retire Early movement, and this week we’re covering the practical steps that will allow you to achieve FIRE. There are some basic principles that we all need to follow, even when our individual journeys towards FIRE all look different. So in this episode we’ll be encouraging you to envision what you would want your ‘post-work’ life to look like- do you picture a more lean or luxurious retirement? And then beyond that we’ll get practical with the financial moves you need to be making now- things like where to invest your retirement, how you’ll know you’ve saved enough, and then how to draw on that money without penalty.

During this episode we enjoyed a Speedway Stout by AleSmith Brewing Co! 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.

Modern Frugality and Massive Debt Reduction with Jen Smith #223 Jul 06, 2020

Show notes

We have a really inspiring interview today that will encourage anyone who is looking to change their life by paying down debt. Jen Smith is a personal finance expert and she has the experience to back it up. Jen and her husband paid off $78,000 of debt in less than two years making well under 6-figures. She's been featured in Kiplinger, U.S. News & World Report, Money Magazine, and she's co-host of the Frugal Friends podcast and blogs over at ModernFrugality.com. Getting out of debt and frugality go hand in hand, so we spend some time talking about why frugality is so important and what it means to be frugal. We also cover some of Jen’s favorite tactics and strategies that she used in order to become debt free.

During this episode we each enjoyed a cold brewed coffee since we recorded this episode in the morning (back with craft beer on Wednesday)! 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 - Ridiculous Credit Card Interest Rates & Are Cities Dead? #222 Jul 03, 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 thrive. In this episode we cover a lot of interesting topics like 2019 Roth IRA contributions, high credit card interest rates, and how federal unemployment benefits are coming to a close. And then we talk some about the future of cities and the impact the pandemic might have on intown vs suburb living.

Best friends out!

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

See omnystudio.com/listener for privacy information.

The Pros and Cons of the FIRE Movement #221 Jul 01, 2020

Show notes

Financial Independence Retire Early- you’ve likely heard the term on the show and this movement has gained a lot of steam over the past decade. And even though we agree with most of the tenets of FIRE, there can be side effects or negative consequences that can occur when it’s taken too far. Just like with almost anything in life, when there isn’t a proper balance, something that’s normally good can easily become something bad. That’s what we’re going to talk about today- the pros and the aspects and behaviors that it encourages that we love. But we’re also going to cover the cons of FIRE and how certain actions could actually keep us from attaining the goals we’re truly seeking.

During this episode we enjoyed a Fruit and Hops on the Bottom which is a collaboration between Stillwater and Hoof Hearted 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.

Ask HTM - Requesting a Credit Limit Increase, Path to Homeownership Considerations, and Biking with Kids #220 Jun 29, 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 ask for a credit limit increase in order to increase my credit score?

2 - What are my options when it comes to paying off an installment loan?

3 - As I begin down the path towards home ownership, what things should I consider?

4 - How much of my company stock should I sell in order to pay off some credit card debt?

5 - What type of bike would you recommend for riding around with a kid seat attached?

During this episode we enjoyed a Time, Love, and Tenderness by Wild Leap! 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 - Covid Travel Info and Your Debt Collection Rights #219 Jun 26, 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 thrive. In this episode we cover a lot of interesting topics like where you can find baking help from professionals, your rights if you owe money, and PPP forgiveness guidelines. Then we talk with our friend Scott Keyes of Scott’s Cheap Flights and he shares some really important travel information with us as it pertains to the pandemic.

Best friends out!

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

See omnystudio.com/listener for privacy information.

Repair or Replace that Old Car #218 Jun 24, 2020

Show notes

As the repair costs of owning an old car begin to add up, you might be wondering if it makes sense to ditch it. Many folks make the decision to abandon their still solid vehicle based on the desire to drive something newer instead of an actual need for something more reliable. The costs of upgrading your car could blow a hole in your personal finances since transportation costs are typically the second line item on most budgets. But we also understand that a vehicle is more than just a way to get from point a to point b - for many, there is an emotional component as well. Today we’re going to cover when you should repair a used car and when you should consider getting rid of it and opting for something newer. And we'll also touch on how to sell your old car and how to go about making that purchase if you do decide to upgrade.

During this episode we enjoyed a Zombie Dust by 3 Floyds Brewing Co - thanks to Doug for sending this one our way! And as we ramp 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.

Debt Elimination Strategies & Economic Violence with Lynnette Khalfani-Cox #217 Jun 22, 2020

Show notes

Our guest on this episode is Lynnette Khalfani-Cox. Lynnette, also known as The Money Coach, is a personal finance expert, television and radio personality, and the author of 15 books, including the New York Times bestseller Zero Debt: The Ultimate Guide to Financial Freedom. A turning point is when she found herself in $100,000 worth of credit card debt and so we’re excited to hear how she overcame that debt, and we’re also covering the important topic of economic violence and the impact it has had on Black Americans. Lynnette is a former financial news journalist, who now teaches individuals nationwide how to better manage their finances - we’re glad to have her join us on the podcast to not only share some money lessons but her personal story as well.

During this episode we enjoyed a Funky Gold Mosaic by Prairie Artisan Ales! 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.

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