How to Money

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Rate for this podcast

Subscribers: 2372
Reviews: 14

candace
 Nov 24, 2021
super easy to understand and listen to


 May 13, 2021

DeAnne
 Mar 13, 2021
These two clearly enjoy what they are doing & they make the information digestible.

Emily R
 Mar 12, 2021
Relevant, approachable, but clear that a more in depth knowledge is there for specific questions around finance. I appreciate the view of the why and not just the how

pedro
 Aug 6, 2020
great pod with great financial nuggets. they keep financial topics entertaining and interesting.

Description

Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living a rich life.

Episode Date
Why You Need a Money Coach in Your Corner with Ericka Young #517
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It’s time to get your financial butt in shape! Our guest today, Ericka Young, is the financial coach that she never had! As a newlywed couple, Ericka and her husband discovered that it’s actually pretty easy to become just like the average US household that now has over $150,000 in debt. It’s the norm and if you don’t have a plan to avoid debt, you will likely find yourself falling into that trap! But that’s not the path that Ericka continued along- she was determined to change her family tree, and now helps others who are seeking financial freedom in their lives. Ericka started her company, Tailor-Made Budgets where she creates custom plans for her clients that give them the tools and the knowledge to cut their stress levels by increasing their savings and decreasing their debt. We get to hear Ericka’s debt story, how she was able to leave a high paying engineering job, signs that someone might need a financial coach, what it looks like to face your financial reality, how she helps her clients think through making trade-offs, and why friends may not be enough of an accountability partner.   During this episode we enjoyed a Where I Want To Be Deciduous Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out! See omnystudio.com/listener for privacy information.
May 23, 2022
Friday Flight - Price Profiteering, ESG BS, & Secondhand Smarts #516
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Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: CapitalOne bonuses, free at home Covid tests, too busy to budget, waiving home inspections in a cooling housing market, secondhand financial smarts due to spillover effects, expensive airport beers, price profiteering, economists don’t blame corporate greed for higher inflation, crappy car repair loans, declining used car prices, & ESG BS!   And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!   Best friends out! See omnystudio.com/listener for privacy information.
May 20, 2022
The Nasty Debt Comeback & How To Counter It #515
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Everyone loves a good comeback story- exceeept when it’s the villain who is making the comeback! That's basically how we feel about the mullet. We can all pretty much agree that mullets are the most villainous hairstyle. It had its heyday back in the 80s and is now back in full-business-in-the-front-party-in-the-back-force. Similarly, that’s how we feel about consumer debt. Credit card debt levels drastically dropped with the onset of Covid lockdowns and for a minute we thought this might be the start of a personal finance reawakening! But unfortunately that was the exception rather than the norm. In February, American consumers increased their borrowing by a record $42 billion as credit card usage was up 20% in Q1 alone according to the major credit card companies. This is bad news of course, but there are strategic ways to use debt to your advantage. The types of debt you sign up for, what you’re spending it on, your debt to income ratio, and resisting the ‘immediacy premium’ are all elements of debt that we discuss today.   During this episode we enjoyed a Moderne Dansk by Jester King! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out! See omnystudio.com/listener for privacy information.
May 18, 2022
Ask HTM - Special Accounts for Baby Expenses, Dissuading a Listener from Using the Beloved Roth, & Choosing the Best Life Insurance #514
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!   1 - My fiance wants to get into house hacking. How can I feel more comfortable with this risky endeavor? 2 - How should my student loans impact how I invest in my Roth? 3 - Fee-based financial advisors vs fee-only financial advisors? 4 - Should I go with a Kai-Zen life insurance plan and consider borrowing against a permanent life insurance plan? 5 - How can I best utilize a DCFSA in order to pay for baby expenses?   During this episode we enjoyed a No Wooden Shoes by Good Word! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out! See omnystudio.com/listener for privacy information.
May 16, 2022
Friday Flight - UNstable coins, Ludicrous Layoffs, & Sweating to Save #513
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: MCM furniture paying dividends, sweating to save some money, federal tax credits to help you install solar, scammers targeting utilities, UNstable coins, crypto crashing, Robinhood jacking up fees, Carvana sticking it to 2,500 employees, the shifting labor market, & buy now pay later companies leading millennials into billions of debt.   And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!   Best friends out! See omnystudio.com/listener for privacy information.
May 13, 2022
Power of the People: Are We the Key to Influencing Climate Change?
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Between wildfires, floods and other severe weather discrepancies taking place each year, thinking about the solutions to the issue of climate change is overwhelming. And even when people do their best to do their individual part, it can feel like a drop in the bucket, or like it’s simply not enough. But what action, of any size, has the potential to drive real, global change – influencing leaders and driving focus of the largest climate issue at hand? If we join our voices together, do we have the ability to make change across education, nonprofit, public and private sectors?   In this episode, we hear from Amanda McKenzie, CEO of Australia’s leading climate change communications organization Climate Council, and Derrick Emsley, Co-Founder and CEO of the sustainable clothing brand Tentree -- two individuals who have found their communities and stakeholders to be at the core of their success. Although they sit on different degrees of the climate conversation spectrum, both Amanda and Derrick believe that a combination of technology and effective communication has the potential of giving people privilege to use their voices – creating a ripple effect of positive changes on the planet. See omnystudio.com/listener for privacy information.
May 12, 2022
Starting A Business is Easier Than You Think #512
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“Inconceivable!”. There are certain tasks in life that feel virtually impossible. One that comes to mind is painting your house- “I can’t do that, I’m not a professional painter!”. When in reality, that’s a project you actually could perform well. Or another one might be something like baking some biscuits- “I’m not some culinary magician who can whip together some homemade biscuits from scratch!”. When fact, that’s something 6th graders learn how to do in middle school. And the same thing is true for starting your own business- there seems to be this special aura surrounding small businesses that lead many to think that they don’t have what it takes. That it takes some special wizardry to run your own business. But we think that you do, in fact, have what it takes, that the pros outweigh the cons, and that the financial upside is worth leaving the “safety” of a W2 job. Listen as we cover the many reasons we believe starting a business is actually easier than you think.   During this episode we enjoyed a Let's Get Some F****** Fraanch Toast by Bhramari Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out! See omnystudio.com/listener for privacy information.
May 11, 2022
Cutting the Financial Umbilical Cord with Bobbi Rebell #511
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We’re talking today about how to avoid screwing up your kid’s relationship with money. As parents, our job is to raise amazing adults to one day replace us! And even if you don’t currently have kids, or maybe you know that you never will- today’s conversation will do a great job shedding some light on why you think and feel the way you do about your personal finances. Bobbi Rebell is a Certified Financial Planner, she’s host of the Money Tips for Financial Grownups podcast, and she’s also the author of “Launching Financial Grownups”. The book is a call to action for parents who want the best for their kids, but who are beginning to realize that their own pursuit of financial independence has to become a priority as well. We talk about parenting styles, the increasing trend of boomerang college students, ways that we can strategically help our kids with money, and personal finance conversations between parents and adult children as well.   During this episode we enjoyed a Farm Friends by New Image Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out! See omnystudio.com/listener for privacy information.
May 09, 2022
Friday Flight - Buffett’s Brilliance, Trading Data for Dollars, & the Foibles of Student Loan Forgiveness #510
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: boosted HSA contribution limits, making the most of the student loan pause, foibles of student loan forgiveness, Buffett’s brilliance, how much crypto you should own, how death causes us to spend more, rent-a-bank payday lenders ripping people off, trading dollars for data, what higher interest rates mean for you, fraudulent medical bills on your credit report, & better ways to use social media.   And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!   Best friends out! See omnystudio.com/listener for privacy information.
May 06, 2022
Quitting Your Job The Right Way #509
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There’s a right way and a wrong way to do all sorts of things. For instance we think that the right way to load toilet paper is with it dispensing over the top of course! Or, sometimes you see guys at the beach and they’re beet-red but they’ve still got their shirt off and they’re likely not wearing any sunscreen- what’re they doing?! And similar to quitting your job the right way, getting burned seems to be a lesson that many folks don’t often learn until they are older, or until after they’ve learned the lesson the hard way. But when it comes to your professional career, we want you to realize that quitting poorly can have very negative long-term ramifications. And the flip side of the coin is true as well- higher pay, more work flexibility, and better opportunities in the future await! Learn what you should be doing before you quit your job, how to ensure that you’re not leaving money on the table when you leave, and how you can best transition out of your current job.   During this episode we enjoyed a Bumblestick Nut Brown Ale by Bhramari Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out! See omnystudio.com/listener for privacy information.
May 04, 2022
Ask HTM - Renovating To Generate Income, When Single Stock Investing Makes Sense, & WTD About Sky High Rent #508
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!   What can I do about rapidly rising rents at my apartment building? We want to house hack by finishing out a basement apartment- is this a good idea for us and should we finance the project? How do I pay off my debt while also not damaging my credit score for the upcoming purchase of a home? I’m getting paid to bike to work, but I have no idea what kind of bicycle I should purchase- help! Should I avoid investing in single stocks even if I get a really good discount through my employee stock purchase plan?   During this episode we enjoyed a White Thai by Westbrook Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out! See omnystudio.com/listener for privacy information.
May 02, 2022
Friday Flight - Conniving Credit Bureaus, Pet Repossessions, & #VanLife Woes #507
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: insulating your house to save the planet and save you money, #VanLife woes and the search for happiness, why a declining GDP doesn’t necessarily mean a recession is on the way, conniving credit bureaus, pet repossessions, cryptocurrency in your 401k, crypto mortgages, merchant processing fees on the rise, a new credit card bonus we’re excited about, & Rad Power Bikes are on sale!   And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!   Best friends out! See omnystudio.com/listener for privacy information.
Apr 29, 2022
Cashing in on the Home Equity Explosion #506
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When your home’s value increases by over $50,000 in 2021 alone- you take notice! The average homeowner has access to well over $150,000 in tappable home equity while still maintaining 20% equity in their homes. But just because you can cash out, does that mean you should? As you’ve witnessed your home equity continue to balloon, you might be tempted to do something with those newly discovered funds. You might start getting the itch to finally spend some of that ‘hard earned money’ on a boat or maybe even a lavish vacation. Or maybe you’re more of a money nerd and you just hate seeing that equity sitting there underutilized- doesn’t it just feel like a waste with those funds sitting around doing virtually nothing? Either way, you might be facing a money decision with five zeros after it, and we want to help you think about it well.   During this episode we enjoyed an Above the Threshold of Hell by Burial! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out! See omnystudio.com/listener for privacy information.
Apr 27, 2022
Navigating the New Era of Cheap Travel with Scott Keyes #505
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Our guest today is Scott Keyes- founder of Scott’s Cheap Flights, a travel platform with over two million members around the world. It’s been called “the travel world’s best-kept secret” by Thrillist and received praise in The New York Times among others. But before he became our favorite expert on ways to keep vacation costs down, Scott worked for years as a journalist, with bylines in The Washington Post, The Atlantic, and plenty of other publications. And now, he’s published a book titled, “Take More Vacations”, which we’ll discuss today as well. With virtually everyone out there clamoring to take a vacation, we’re really excited to be talking about this timely topic. We discuss why we’re living in the golden age of cheap flights, how to get across the ocean for as little money as possible, change fees, and then we also discuss long travel and the changing culture of travel here in the US.   During this episode we enjoyed an Evolutions of BORIS the Crusher Caramel Macchiato by Hoppin Frog! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out! See omnystudio.com/listener for privacy information.
Apr 25, 2022
Friday Flight - Your Office Beckons, Instagrammable Fruit, & Scoring Guaranteed Gargantuan Returns #504
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: we’re kicking off the HTM Newsletter with a book giveaway, why it makes sense to return to the office, desktop appraisals get the green light, HOAs barring hedge funds from buy up properties, guaranteed gargantuan returns, Instagrammable luxury fruits, egg prices on the rise, the credit card debt rebound, the rise and fall of Netflix, tax preparation software privacy issues, & skyrocketing airfares.   And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!   Best friends out! See omnystudio.com/listener for privacy information.
Apr 22, 2022
Prepping for a Looming Recession #503
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Have you ever been to a Broadway show? It’s amazing- whether you’re drawn to the storyline, the music, the costumes- but of course the cast is pivotal. And for any major theatrical production, not only are there the performers you see on stage, but there are also countless understudies. The backup cast members who learn all the lines, and know exactly what to do in case one of the performers gets sick or can’t perform. They’re preparing for the worst. We think of prepping for a recession in a similar way. We don’t know exactly when it’s going to happen. In fact, we hope that we don’t experience one anytime soon! But when it does, you’re going to be able to weather that storm much better if you take the proper precautions ahead of time. And with more talk of a recession on the horizon, we figured now was a great time to discuss what you should be doing. We’re going to get granular on this one and give specific steps that you should take in order to be prepared whether we enter recession territory later this year, or if it takes an entire decade! Either way, you’re going to be ready.   During this episode we enjoyed an Altbairisch Dunkel by Ayinger! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out! See omnystudio.com/listener for privacy information.
Apr 20, 2022
Ask HTM - Debt Settlement Credit Score Impacts, Where to Stash Wedding Funds, & Investing Money for a New Baby #502
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!   1 - What kind of impact will settling my debt have on my credit score? 2 - My employer matches retirement contributions but I really want to pay down my debt ASAP- what should I do? 3 - Where should I invest funds for an upcoming wedding? 4 - How should I go about investing money for my newborn daughter? 5 - Do I have to actually use my credit card in order to boost my credit score?   During this episode we enjoyed a Sour Strawberry Rhubarb by Edmund’s Oast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out! See omnystudio.com/listener for privacy information.
Apr 18, 2022
Friday Flight - Degrees are for Dummies, the Best New Credit Card Perk, & Crypto Psychos #501
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: unavoidable inflation hitting 41 year highs, why gas prices are slow to recede, the best affordable unlimited wireless plan, whether it’s frugal or cheap to bring your own concessions, crypto psychopaths, college enrollment is down, why degrees might be for dummies, states offering free college, & the best new credit card perk for investors.   And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!   Best friends out! See omnystudio.com/listener for privacy information.
Apr 15, 2022
Celebrating 500 Episodes With Some Killer Listener Tips #500
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It’s time to celebrate the fact that we’ve now officially recorded and published 500 episodes of How to Money! And what better way to mark the occasion, than to hear some of the best money tips from all of our listeners. From making more money with real estate, to getting on the same page as your partner with money convos, to spending less on groceries and smarter ways to budget- we had more voice memos sent in to us than we had time to get to during this episode, but we’re excited to share a bunch of them with you today. And thanks to everyone for sending in their best money tip for us to share! We couldn’t do this show without the listener support and love that we receive every day- either as an email or simply by the fact that you listen to the show. So thank you for helping to make How to Money what it is today!   During this episode we enjoyed a Faithful Instruction by Monday Night Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out! See omnystudio.com/listener for privacy information.
Apr 13, 2022
Just Keep Buying with Nick Maggiulli #499
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Our guest today is Nick Maggiulli. Nick is the Chief Operating Officer for Ritholtz Wealth Management and regularly writes over on his site: Of Dollars And Data. But he wasn’t always steeped in the world of finance and investing- before that he was a successful litigation consultant. And even though Nick has always had a heart for personal finance, it’s only been in the past 5 years that he began to seriously write about money. And his new book, Just Keep Buying, actually comes out tomorrow! We were lucky enough to get an early copy and couldn’t recommend it enough. Nick weaves insightful stories with actionable advice that is going to help anyone who reads it. During this discussion we talk about timing the market, Nick’s definition of dollar cost averaging, spending less time on investments and more time on growing income, and much more!   During this episode we enjoyed a La Folie by New Belgium! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out! See omnystudio.com/listener for privacy information.
Apr 11, 2022
Friday Flight - The High Cost of Free Shipping, Gas Price Pushback, & The Student Loan Freeze Continues #498
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: the rise of 40 year mortgages, free audiobooks for life, the high cost of shipping, whether it makes sense to save for your future, the student loan freeze gets extended, more fuel efficient vehicles on the horizon, and affordable car alternatives.   And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!   Best friends out! See omnystudio.com/listener for privacy information.
Apr 08, 2022
The Perils of Investing in Individual Stocks #497
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Think about the last novel you read that included a dangerous quest. If it’s a fantasy like the Hobbit, there might be giant spiders, goblins, and dragons- but in the end, it’s worth it because of the unfathomable treasure and riches that await them. The thing is, when we’re talking about investing in single stocks, the chance that this perilous journey ends up with a happy ending is much less likely, but folks continue along in their quest. Why? Maybe it’s because of the sophisticated tools that we have at our fingertips, or because it’s more accessible than ever with apps like Robinhood where you can buy and sell for free, or maybe you just think you’re smarter than everyone else. And sure you’ve heard of individuals who have crushed it by investing with a company like Tesla, but we’re still not fans of this type of approach. So in this episode we tackle some of the most common arguments advocating for investing in single stocks, why we ultimately disagree, and how you should invest your money instead. Single stock investing is unnecessary and can often be problematic. During this episode we enjoyed another classic: Trappistes Rochefort 10 by Brasserie de Rochefort! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Apr 06, 2022
Ask HTM - Student Loans Blocking Roth IRA contributions, Tapping Retirement Funds After a Layoff, & Going with a Health Sharing Plan to Save Big #496
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - I’ve recently retired and I’m looking for an affordable health care option- what are your thoughts on health sharing plans? 2 - How do my fiance and I begin the process of house hacking after we’ve successfully run an Airbnb? 3 - Student loans are keeping me from investing within a Roth IRA, but should I be investing at all? 4 - Should I take a loan against my 401(k) or tap those funds early, if I need access to funds after getting laid off? 5 - I have a Health Savings Account offered by my employer, but I’m not able to invest those funds- what should I do? During this episode we enjoyed a Sour Bikini by Evil Twin! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Apr 04, 2022
Friday Flight - Fake Free Tax Filing, Radical Sabbaticals, & 24/7 Stonk Trading #495
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: slashing housing expenses with ADUs, new construction, and multi-generational households. Also we discuss making more money as a contractor, radical sabbaticals, choosing more meaningful work with flexibility, fake free tax filing, results of couples combining their money, 24/7 stonk trading, and new legislation that’ll benefit investors! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Apr 01, 2022
Spring Cleaning Your Finances like an Adult #494
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Your birthday comes around every year- and you never forget because it’s something that you look forward to! But we’d argue that there are certain financial tasks that we should also revisit at least once a year, but we’re less than enthusiastic about knocking them out. This neglect is compounded by the fact that our finances have gotten more complicated than ever. You likely have accounts everywhere: you might have multiple 401ks, savings accounts, credit cards- it might feel like there’s too much going on as you juggle more logins than you can keep up with. Now these are tasks that don’t need to become ongoing obligations, but we do think they will help you make your personal finances more manageable. Whether it’s something as straightforward and practical as making some tweaks to your budget or if it’s the beginning of a season of reevaluating your life goals, we have a number of tasks that will allow you to spring clean your finances. During this episode we enjoyed a classic: Saison Dupont by Brasserie Dupont! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Mar 30, 2022
Paying Off a Million Dollars of Debt with Naseema McElroy #493
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Today we are joined by Naseema McElroy! Naseema is an RN with a master’s degree in healthcare administration, who also founded the website Financially Intentional and launched the podcast, Nurses on FIRE. Both of these resources exist to help nursing professionals achieve a sense of financial freedom in their lives. Given the demand for healthcare workers, there are a lot of career opportunities available so we’re excited to touch on that. Naseema also wrote the book, Smart Money, to give folks a step-by-step plan to crush their debt. But most impressively- Naseema has paid off over one million dollars of debt which doesn’t even seem possible- don’t worry, she explains her story! She details how she climbed out of massive debt as a single mother, the turning point in her journey towards financial independence, nursing as a cheat code to earning more, keeping lifestyle inflation in check, and much more. During this episode we enjoyed a Dosvidanya Rye Barrel by Destihl Brewery! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Mar 28, 2022
Friday Flight - Annoying Tipping Trends, Dumb ARM Mortgages, & Family Plans Forever! #492
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: please send us a voice memo of your best money tip to be featured on episode 500, medical debt officially dropping off credit reports, WTD with your $3,000 tax refund, buyers going on strike, annoying tipping trends, whether grocery delivery is good for your money, dumb ARM mortgages, buy now pay later at the pump, the right to know earnings for degree programs, transparent college pricing, & cell phone family plan pricing forever! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Mar 25, 2022
Busting Some Credit Score Myths #491
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You know you can’t believe everything that you read on the web, right?! There are all sorts of myths, half truths, and straight up lies that can not only make us look foolish were we to believe them, but they can also separate us from our hard earned money and cause us financial harm. And it turns out there are a number of myths that pervade how many think about their credit scores. Some of this confusion has to do with the fact that different lenders reference different scoring models, so it’s tough to know exactly what is going on underneath the hood. But in addition to that there is flat out wrong information floating around that has an impact on how we view these mysterious three digit numbers- our credit scores. Listen as we tackle some popular credit score myths head on, and explain what you actually need to do in order to maintain a healthy credit score. During this episode we enjoyed a Hello World by Spyglass Brewing- a big thanks to Gary over at The Fat and Broke podcast for donating this one! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Mar 23, 2022
Ask HTM - A Bachelorette Party Frugal or Cheap, Short-Term Job Financial Considerations, & if a Bigger Downpayment Makes Sense #490
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - What should be my top financial priority when I know my job is only guaranteed for a year? 2 - Should I make a larger down payment in order to keep my mortgage below 25% of my monthly budgeted expenses? 3 - Am I being frugal or cheap if I’m willing to skip my friend’s bachelorette party? 4 - I’m thinking about converting my primary residence into my first rental property to rent to a friend- what should I keep in mind? 5 - How do I get my HOA to start investing the building’s reserve funds? During this episode we enjoyed an Aspect Ratio by Spyglass Brewing- a big thanks to Gary over at The Fat and Broke podcast for donating this one! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Mar 21, 2022
Friday Flight - Rate Hike Repercussions, Thieves Targeting Your Car, & Password Sharing Crackdowns #489
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: send us your money tips, rate hike repercussions- what it means for mortgages and credit cards, commercials make a comeback on streaming, password sharing crackdowns, housing bidding wars, waiving contingencies, Tom Brady’s game winning football, NFTs getting hammered, thieves targeting your catalytic converter, going with electric vehicles to opt out of rising gas prices, fly now pay later, and medical debt potentially dropping off of your credit report. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Mar 18, 2022
Getting Rich vs Building Wealth #488
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Would you ever pick up the habit of smoking in order to lose some weight? After all it is effective- by lowering your metabolic rate and reducing your appetite you’re bound to shed a few pounds. It sounds like a quick fix worth considering, but ultimately we hope that this isn’t something that you would do because everyone is well aware of the longer-term health consequences of smoking. The downsides are too severe. But we think this is exactly what is happening when you prioritize getting rich over building wealth. Sure there will be some short-term goals and lifestyle improvements that you’ll be able to make, but the long-term effects of pursuing a lifestyle like this are ultimately going to undermine your financial foundation. Listen as we talk about the differences between getting rich and building wealth. We also highlight some unhealthy behaviors that we might be tempted towards, in the pursuit of riches. And then finally we discuss how it is that we can actually build our own wealth. During this episode we enjoyed a Tropicalia by Creature Comforts! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Mar 16, 2022
Straightforward Advice to Lower Your Tax Bill with Shannon Weinstein #487
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How concerned should I be about getting audited? How much should my business make before I file as an S Corporation? Is there a free accounting software option out there? These are just a few of the questions we have for our guest today, Shannon Weinsteen. Shannon is a CPA, coach, and mentor for small business owners who want more perspective and less paperwork when it comes to their finances. Her company, Fitnancial Solutions, offers tax strategy and fractional CFO services delivered from the heart of a teacher who values connection and authenticity. Shannon’s real-life relatable examples make the financial side of business less daunting so you can focus on serving your customers and making money. She is the host of the Keep What You Earn podcast and we’re excited for you to hear some straightforward advice to lower your tax bill. During this episode we enjoyed a Quantum Desolation by Little Cottage! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Mar 14, 2022
Friday Flight - Paying Less at the Pump, Fatter Paychecks & Flocking to FIRE #486
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: capital gains taxes even if you didn’t sell, paying less at the pump, the best credit cards for cashback at gas stations, IRS refund tracker, living paycheck to paycheck on six figures, folks flocking to FIRE, higher costs for childcare, date nights on the cheap, fatter paychecks, and eating organic for less. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Mar 11, 2022
Sneakier Scams Targeting Younger Folks #485
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Scams are kind of like zombies. The formerly popular TV show The Walking Dead is set in a sort of zombie apocalypse and was filmed here in Atlanta. But like zombies, the scams never stop and there seems to be a never-ending litany of folks who are trying to get their hands on our money. It truly is a serious problem- the FTC received 5.7 million reports with a total of $5.9 billion lost to scams in 2021! And on top of that scammers have gotten really sophisticated and are specifically targeting younger folks by using platforms like social media or dating apps and targeting Venmo balances and crypto holdings. Listen as we discuss a number of different sneaky scams that are targeting a younger generation, how they work, and then what you can do to protect your money. During this episode we enjoyed an Electric Venom by Little Cottage! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Mar 09, 2022
Ask HTM - Debit Reward Cards, Unexpected Tax Bills, & A Listener Has a Bone To Pick With Our Car Buying Formula #484
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - I disagree with y’alls car buying formula- surely you guys wouldn’t be cool with me buying an $80k car?! 2 - Is it worth our time and money to meet with a comprehensive financial planner? 3 - What are the benefits of an ABLE account and which states offer the best plan? 4 - The dividends and gains I’ve experienced in my portfolio have dramatically increased my tax liability- what can I do? 5 - Should I use a debit rewards card to earn cashback on my monthly rent? During this episode we enjoyed a Le Petit Prince by Jester King! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Mar 07, 2022
Friday Flight - When the Price is Wrong, DIY Healthcare, & Being Forced to Take Out a Loan #483
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: an investing strategy while a war is raging, when the price is wrong, shrinkflation and incessant fees, being forced to take out a car loan, finding an affordable rental car, financial literacy that sticks, and DIY hearing and vision test apps. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Mar 04, 2022
Treat Yo Self Without Breaking the Bank #482
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It’s time to go Parks-and-Rec on this episode and talk about treating yo self while still being a responsible adult and not breaking the bank. There’s nothing wrong with the occasional treat- we all want to be able to splurge every now and again. But we also need to make sure that we’re not going overboard to the detriment of our financial health. Companies are waging war against our credit cards and checking accounts with advertising agencies at their sides. Our attention has been hijacked by marketers and this often leads to us buying more stuff that we don’t actually need. Couple that with rising prices due to inflation and higher levels of consumer debt and we realize that it’s going to take a healthy combination of wisdom, discipline, and intentional spending. Listen as we tackle all of this and as we propose some rules that will help us to be effective, but not excessive when it comes to treating ourselves. During this episode we enjoyed a Cherry Livelihood Jackie O's! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Mar 02, 2022
Freelancing Like a Pro & Sifting Through Financial Baggage with Paco de Leon #481
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Our mental state has so much to do with how we handle our money- this is one of the many things we talked about with Paco de Leon. Paco founded The Hell Yeah Group which is a financial firm focused on inspiring creatives to engage with their personal and business finances. She started this work after her experiences in small business consulting, financial planning, and wealth management. Paco’s work has been featured in The New York Times, Forbes, and NPR and her new book “Finance for the People” was published earlier this month. Not only is she the author, but Paco is also the illustrator- her drawings do a fantastic job driving home the different points she makes in her book so we’re recommending it for all the visual learners out there. During this episode we talk about what Paco learned from being a debt collector and her time in the marijuana industry, what it takes to be a creative freelancer, the role our emotions play, how she keeps her consumption in check, and plenty more! During this episode we enjoyed a Lager Hell Rugenbrau- a big thanks to Julia for donating these delicious beers to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Feb 28, 2022
Friday Flight - 401k Millionaires, Cities with the Worst Traffic, & the Equifax Settlement FAIL #480
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: medical tourism leading to an in vitro fertilization win, the S&P has entered correction territory, US cities with the worst traffic, bike buses dominating the road, money as a hobby, the Equifax settlement FAIL, BlockFi and how you should approach stablecoins, the rise of crypto trading fees, 401k millionaires, & a new airfare subscription. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Feb 25, 2022
Is Capitalism A Force For Good? #479
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Sure you’ve heard the term- you know that capitalism is the primary economic system here in the United States, but is it the best option? And especially as of late, capitalism seems to be getting dragged through the mud. Depending on what you’re reading and who you’re listening to, you might be beginning to think that capitalism is the worst! However, we believe it’s actually a force for good and is an idea and concept that many fail to appreciate. Similar to the undervalued baseball players that Billy Beane scouted for the A’s to turn around their club, or something as simple as dental floss when it comes to taking care of your teeth- capitalism isn’t sexy, but it gets the job done. While we don’t think it’s the perfect solution, we’re going to spend this episode breaking down capitalism, why we think it works, and then what this means for us as individuals. During this episode we enjoyed a Bourbon Barrel Brick Kiln by Jackie O’s! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Feb 23, 2022
Ask HTM - Frugal or Cheap: Meal Kit Edition, What Happens to Unused 529 Plans, & Inherited Real Estate Taxes #478
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Should I pay my statement balance or my current balance, and what’s the difference? 2 - What happens to money that is in unused 529 plan? 3 - Am I being Frugal or Cheap by hacking the meal kit delivery service promotions? 4 - Does it make sense to wipe out my student loans if it means it’s going to wipe out my savings? 5 - I’ve inherited a house- should I rent it as an investment property or just go ahead and sell it? During this episode we enjoyed a Peanut Butter & Jelly by Edmund's Oast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Feb 21, 2022
Friday Flight - Emoji Investing, Crypto Tax Refunds, & When Buying Used Costs You More #477
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: whether or not everyone should have a HELOC, used cars costing more than new, direct to consumer cremations, taking 36 months to pay for a cell phone, investing in emojis, cryptocurrency tax refunds, why high interest savings rates really aren’t that high, & credit card ‘thank you points’ vs cashback. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Feb 18, 2022
Buying or Renting in an Insane Housing Market? #476
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Whether you’re a fan of karaoke or not, it’s probably not a huge deal for you to stand up in front of some friends and belt out a favorite song of yours from highschool- maybe some Hootie & the Blowfish or a Kelly Clarkson hit. You might be a little nervous but you’re not going to give it too much thought. But now imagine having to sing that song in a stadium full of people. Things are going to be a bit different aren’t they?! You’re likely going to be much more nervous because the stakes are a lot higher! Well similarly, the stakes are higher than ever when it comes to finding the right housing for you. Prices have gone through the roof whether you’re renting or looking to buy. The typical American homeowner saw a gain of $50,000 of home equity in 2021- that’s insane! With the stakes so high, we’re going to weigh in with our thoughts about how you should proceed if you’re not sure whether you should keep renting or take the plunge into homeownership. During this episode we enjoyed an El Cedro by Jester King! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Feb 16, 2022
Relational Money Help with Financial Therapist Ed Coambs #475
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Happy Valentine’s Day! This is a timely episode with it being February 14th and we’re really excited to be talking with financial therapist Ed Coambs. Ed is an internationally recognized leader in financial therapy who has been cited by the Wall Street Journal, the AP, Time, and CNBC. And he has the credentials as well- he earned his master's degrees in business, counseling, and financial planning and is a licensed marriage and family therapist, certified financial planner, and certified financial therapist. Ed leads couples through therapy from financial despair and frustration into financial intimacy and connection, by helping them figure out and understand what’s really going on. And we discuss some of the concepts in his book as well: “The Healthy Love & Money Way”. In the book he explains where our attitudes toward money stem from, and what we should do about it. We discuss attachment styles, common relational money issues, financial infidelity, and more during this episode. During this episode we enjoyed a Lilt by Grimm Artisanal Ales! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Feb 14, 2022
Friday Flight - A Prime Pricing Hack, Discount Airlines, & Early Retirement Idiocy #474
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: thousands in student aid left on the table, employer student loan assistance, inflation and prices remain high, employees care less about money and more about time, early retirement idiocy, a healthier view of work, avoiding the prime membership rate increase, & whether discount airlines joining forces is a good thing. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Feb 11, 2022
Crashes, Corrections, & Your Reactions #473
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There’s a big difference between knowing that you could be involved in a car accident, and then actually getting 5 car pile up. Of course you know it’s a possibility, you have the head knowledge that you should be careful and alert, but it’s another thing completely to have experienced it firsthand. The same thing can be true when it comes to investing in the stock market- we know that occasionally there are going to be corrections, but until we actually experience those downturns ourselves, we’re not totally sure how we’re going to react. Our fear and emotions might cause us to do something we’d later regret. And lucky for us we recently had a downturn in the market so now is a great time to talk about what we can learn from the past, what is currently going on with the stock market, and what we can do to prepare for future volatility. During this episode we enjoyed A Force for Good 2021 by Creature Comforts- a big thanks to Nathan for donating this delicious beer to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Feb 09, 2022
Ask HTM - WTD After Doubling My Salary, A Spending Conflict With My Partner, & Inherited Stock From Grandparents #472
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - I’ve doubled my salary- what should I do next?! 2 - My partner spends way more money than I do and it’s stressful- how do we resolve this conflict? 3 - How do I go about giving a gift to my niece that will teach her about personal finances? 4 - Is there a way I can save for college while keeping that expense low? 5 - Should I sell some individual single stocks that my grammy used to give me? During this episode we enjoyed a Bird Brains Blackberry Boysenberry by Birds Fly South! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Feb 07, 2022
Friday Flight - 2 Week Test Drives, Micro-Philanthropy, & Scoring Cheaper Pizza #471
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: Kumiko Love book giveaway winners, hope you get rich!, internet nutrition labels, best consumer deals for February, Domino’s paying you to pick up your own pizza, inflation taking a bite out of the value menu, buh bye overdraft hello CoverDraft, getting charged more for renewable energy, the proliferation of financial advice and scams on social media, micro-philanthropy on the rise, 2 week test drives, using your tax refund to buy I Bonds, & why you might get a smaller tax refund this year. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Feb 04, 2022
Buying A Car the Right Way #470
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Some of the most important financial decisions we make are done infrequently. So because of that we feel a little rusty every time we perform that task. Buying a car is one of those infrequent decisions that can oftentimes blindside us if we’re not prepared. On one hand this can be an exciting time, but on the other it can be really nerve-wracking since the average person buys a car every six years. That’s plenty of time to forget how to do it by the next time you need to buy a car. And that problem is compounded by the fact that we’ve seen a huge shift over the past 18 months in pricing and purchasing dynamics. Supply chain issues have led to much higher prices! Since so much is at stake, it’s crucial that you take the proper steps to make sure you’re going about buying a car the right way. During this episode we enjoyed a Pothole City Rocky Road Stout by Pipeworks Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Feb 02, 2022
Proven Ways to Reduce Your Rent with Justin Pogue #469
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Let’s talk about ways to cut your rent! A recent stat showed that over 44 million American households are renters- that means there are more folks renting now than at any point since 1965. With increasing rents we felt that it was time to focus on some proven ways to reduce that monthly expense. Justin Pogue is our guest today and he’s an author and real estate consultant where he works with property management companies and investors. Since 2003, he has developed and managed apartments, rental homes, and student housing across the United States. ApartmentTherapy, Realtor.com, and FOX News have featured his insights, and we’re glad he’s now here with us on HTM to talk about ways to reduce rent. We talk about entering into a negotiation mindset, the best times of year to get a deal, putting yourself in the shoes of a landlord, protecting your deposit, and more! During this episode we enjoyed a Speltz Wrong by Dssolvr! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jan 31, 2022
Friday Flight - Stock Market Slump, Financial Infidelity, & 4-Day Workweeks #468
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: Kumiko Love book giveaway, what to do about the stock market slump, why ESG funds aren’t all that, 4-Day Workweeks on the rise, financial infidelity among Gen Z and Millennials, cell phones (good cheap ones, turning an old one into a security camera, & why you should keep it locked), & affordable generic prescription meds. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jan 28, 2022
How to KEEP Yourself Out of Debt #467
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Do you remember the Seinfeld ‘car reservation’ episode? It’s one of the best. Jerry gets to the car rental counter and they don’t have a car for him. He says “See you know how to take a reservation, you just don’t know how to hold the reservation. And that’s really the most important part of the reservation, the holding!” That’s what we’re talking about today because you might know how to get out of debt, but do you know how to stay out of debt? You might find yourself digging out of debt every year when January rolls around. Holiday spending has a habit of sneaking up on most folks and you might be dealing with that financial hangover right now. Listen as we tackle concepts like lifestyle inflation, stoicism, accountability, and other practices that will allow us to kick debt to the curb for good. During this episode we enjoyed an Empress Rising Mole by Birds Fly South! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jan 26, 2022
Ask HTM - Acorns Accounts vs Student Loans, Investing For a Wedding, & Babies on the Cheap #466
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Should I continue investing in my Acorns account or pay off my student loans? 2 - Where should I invest money for a wedding? 3 - Does it make sense to deduct depreciation on real estate, even when the IRS recaptures that depreciation when I sell that property? 4 - How do I go about converting a non-deductible traditional IRA to a Roth IRA? 5 - As I have a little one on the way, can you share some of your money saving baby hacks? During this episode we enjoyed a Hatch Me Outside by Crosstown Brewing - a big thanks to Ben for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jan 24, 2022
Friday Flight - Pay Bumps, Cheapo Bikes, & Best Times to Travel #465
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: free Covid tests, Roth 401k options abound, the embarrassing issue of 401k leakage, the best way boost your income, employer matches on the rise, cheapo bikes that are made to fail, higher insurance rates, the best times to travel, & the time to refinance is now! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jan 21, 2022
Joel's $ Origin Story #464
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Better know a podcast host! Oftentimes here on the podcast we talk about our daily lives. We’ll share little ways that we’re saving money, or you get to hear about our curb alert scores, and we might even talk a little too much about how much we’re riding our bikes. So if you’ve been listening for a few years you might know a good bit about us- that happens after 463 episodes! But we’ve never done a deep-dive origin story on the show and what better time to do that than here at the beginning of the year. So during this episode you’ll get to learn all about Joel’s money origin story- favorite jobs as a kid, how a bankruptcy shaped his early perceptions of personal finance, switching colleges to avoid taking on more student loans, his splurge as a single professional, and pursuing financial independence through investing in real estate. During this episode we enjoyed a Woodland Pursuit by Humble Forager! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jan 19, 2022
Affordable Home-Cooked Meals that are Good Enough with Leanne Brown #463
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We all have friends who have different specialties- different areas of expertise. For instance you know who to call if you need a plumber recommendation, or you know which friend has the best beach recommendations on the gulf- well Leanne Brown is our go-to person when it comes to eating really well, but for less. Leanne is our ‘friend in the kitchen’ and her New York Times bestseller “Good and Cheap” is now free and has been downloaded millions of times. And now her new cookbook “Good Enough” was just published last week- it’s a mix of essays, personal stories, and delicious recipes as she also acknowledges the fear and anxiety many have when it comes to cooking. She explains how eating great isn’t about expensive gadgets or ingredients, how we all need some low-effort meals in our repertoire, picky eaters, meal delivery services, and more! During this episode we enjoyed a BA Stout by Easy Chair Brewing Garage- a big thanks to Jess for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jan 17, 2022
Friday Flight - Invasive Inflation, Tax-Filing Advice, & Credit Bureau Ineptitude #462
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: the big tax-prep software companies opt-out of IRS Free File, 1 in 7 workers are now remote, invasive inflation on car and home taxes, crypto scams and celebrity lawsuits, buy now pay later counting towards your credit score, credit bureau ineptitude, debt repair companies are pointless, & the push to limit insider trading by members of Congress. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jan 14, 2022
Matt's $ Origin Story #461
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Oftentimes here on the podcast we talk about our daily lives. We’ll share little ways that we’re saving money, or you get to hear about our curb alert scores, and we might even talk a little too much about how much we’re riding our bikes. So if you’ve been listening for a few years you might know a good bit about us- that happens after 460 episodes! But we’ve never done a deep-dive origin story on the show and what better time to do that than here at the beginning of the year. Especially as we’re likely welcoming some new listeners to the fold. So during this episode you’ll get to learn all about Matt’s money origin story- how he was taught personal finance principles, his money struggles growing up, why he shouldn’t have opened a Roth IRA, and how Downton Abbey helped Matt and his wife Kate discover financial independence. During this episode we enjoyed an Athena Paradiso Blackberry by Creature Comforts! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jan 12, 2022
Ask HTM - Investing 100% of Your Income, Pitfalls to Avoid when Switching Banks, & Self Employment Downsides #460
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Is it a good idea, or is it even possible to invest 100% of my income in a Roth IRA? 2 - I’m finally dropping the big bank that I’ve been with- what should I keep in mind? 3 - Should I ladder my target date funds across multiple years or set it and forget it with a single fund? 4 - What benefits am I missing out on by taking the self employed path? 5 - Paying off my home mortgage or an investment property mortgage- which is the better move? During this episode we enjoyed a Really Green Street by Trillium Brewing - a big thanks to Ali for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jan 10, 2022
Friday Flight - 2022 Predictions, No More Medical Bill Surprises, & Mandatory Vacations #459
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: signing up for a money challenge to jump-start progress, investing in IPOs and single stocks, everyone is substantially richer than they were a couple years ago, 2022 stock market predictions, hospital pricing transparency, no more medical bill surprises, where home prices are headed, & mandatory vacations. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jan 07, 2022
These Money Challenges Can Jump-Start Progress #458
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Few things change your life as much as finding out you're pregnant- it’s an exciting period of time, but it’s also slightly stressful! One of the reasons is because the clock is ticking and you know you’ve got less than 9 months to get your act together. It lights a fire under you and it’s an amazing period of transformation, for all parties involved! And similarly when it comes to our money, a special circumstance can often be the stimulus we need to make wiser financial moves, but what if it’s not enough? Or what if you don’t have any unique excuses to get your financial house in order? Well that’s where money challenges come in handy. Sometimes the reason that we’re not able to make any progress with our money is because we don’t have clear actionable steps that we can immediately take. Maybe you don’t have any accountability or you think it’ll be a load of drudgery. Whether you’re looking to spend less, boost your earning, or invest more of your money, this episode is all about jarring you out of your typical habits and routines. Sometimes what you need is a challenge that can serve as a wake up call to further you along in your financial journey. During this episode we enjoyed a Double Barrel Wild Sinister Kid by Trillium Brewing - a big thanks to Ali for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jan 05, 2022
Taking Back Control of Your Financial Life with Kumiko Love #457
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With all the craziness we’ve experienced in our world recently, whether that was because of school shutdowns or rising prices due to inflation, it’s tempting to believe that we’re no longer in the driver’s seat. But our guest today, Kumiko Love, who is also known as the Budget Mom, wants you to know that you have more control over your life than you realize. Her new book “My Money My Way” comes out next month, where she helps readers identify a uniquely personal plan that you’ll stick with, which will allow you to crush your money goals. For Kumiko, one of those milestones she achieved was paying off over $77,000 of debt in just 8 months early on in her financial journey and she also recently purchased her dream home with cash! During this episode she shares how you can take the experience and principles she learned, in order for you to take back control of your financial life. During this episode we enjoyed a Double Dry Hopped Stillings Street by Trillium Brewing - a big thanks to Ali for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jan 03, 2022
Friday Flight - Tempting Investing Mistakes, Dumb Millennial Millionaires, & Making Personal Finance Funny #456
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: if reusing return envelopes is frugal or cheap, the best credit card sign-up bonus available, an investing mistake to avoid if you’re considering entrepreneurship, avoiding single stock investing at all costs, crypto millennial millionaires, & making personal finance funny with Joe Saul-Sehy as we discuss his brand new book, Stacked: Your Super‑Serious Guide to Modern Money. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Dec 31, 2021
Financial Festivus: Celebrating Listener Money Wins #455
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LET’S PARTY! A financial festivus is in order here at the end of the year and we’re excited to share a bunch of listener wins from the How to Money community. Unfortunately at times we can be overly driven to the point that we fail to celebrate milestones. And when we achieve something great and move right on from it, we lose something in the process. Celebrations improve our well-being, they’re fun, and can provide inspiration for others. So during this episode we share a couple of our personal money wins, but then we have a chance to hear from listeners who have paid down credit card debt, massively boosted their savings rate, purchased their first home, started house hacking for the first time, taken their side hustle full-time, invested insane amounts of money, & more. Thank you to everyone who shared their money wins and we’re excited about what 2022 has in store for the HTM community! During this episode we enjoyed a Coconut PM Dawn Trillium Brewing - a big thanks to Ali for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Dec 29, 2021
Ask HTM – Selling Tesla Stock to Buy a House, Roth vs Traditional 401k, & Volunteering My Financial Knowledge #454
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Should I save my money in a regular savings account or invest that money in the market if I want to buy an investment property? 2 - What should I do with a bunch of Tesla stock that I’m planning to use as a down payment for our home? 3 - Does it make sense for me to own my duplex under a new LLC that I could create? 4 - Is it a better idea for my employer to match a Roth or Traditional 401k? 5 - As I’d like to coach and teach others about money, where can I go to volunteer my financial knowledge? During this episode we enjoyed a Three Philosophers by Brewery Ommegang- a big thanks to our friend David for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Dec 27, 2021
Friday Flight - The Most Reliable Rides, A Build Back Blow-Up, & Should We Gift Crypto? #453
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: should we be gifting crypto, steps to take as interest rates are on the rise, a build back better blow-up, advance child tax credits are over, student loan moratorium has been extended, egregious subscription costs from car manufacturers, the most reliable rides, millennials are writing their wills, & an easy way to renew your passport. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Dec 24, 2021
Putting Money in its Proper Place #452
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Having a glass of wine most days can be a healthy activity that we incorporate into our lives. Many studies have concluded that the moderate consumption of wine doesn't have negative long-term effects while simultaneously it could be beneficial in providing antioxidants as well as protecting against heart disease and inflammation. But, if that habit goes unchecked it could take on a tyrannical component in our lives if we’re not careful, and it could lead to severe consequences. The same is true with our money. And so on the show today we are de-emphasizing something that is at the very core of our show! We believe that money is a helpful and necessary tool, but we also believe that beyond a certain point, more money isn’t going to solve all of our problems. And in fact, money is only one component of our overall health and happiness levels. So during this episode we cover the struggle between achieving financial health and many of the other different facets of overall health like our physical, mental, social, and spiritual aspects as well. And then we end with a litmus test to help you determine if you have placed money in its proper place in your life. During this episode we enjoyed a Hay-Z by Temblor Brewing - a big thanks to Ryan and our friends there at the brewery for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Dec 22, 2021
Investing Lessons From a Gambling Pro with Chris Hanna #451
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What does it take to become a professional gambler? That’s the overarching question we’re asking our guest today: Chris Hanna. Chris graduated with a degree in finance and economics, but then he turned down a solid job on Wall Street in order to become a legit blackjack player. Less than 24 hours after he graduated, Chris hit the road and began counting cards for a living. And of course we believe that investing is a far cry from gambling, but a lot of folks are treating them more similarly than they’d like to admit. So where should we draw the line between gambling and investing? During this episode we unpack Chris Hanna’s story, talk about his shift to personal finance, and share how we can strategically use our money to build an exciting life. During this episode we enjoyed an Almond Brown Ale by Temblor Brewing- a big thanks to Ryan and our friends there at the brewery for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Dec 20, 2021
Friday Flight – Secondhand Gifts, VTSAX, & We’re Giving Away $1,000! #450
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: the $1,000 Cash Giveaway/Giveaway, USPS shipping deadlines, killing the taboo of secondhand gifts, risky investments impacting our mental health, VTSAX reigns supreme, government leaders insider trading, best places to live if you only care about money, have yourself a merry little i bond, inflation vs your brain, & financial literacy on the rise! ***And to enter for a chance to win during our $1,000 Cash Giveaway/Giveaway:*** Just follow @HowToMoneyPod on Instagram Like the giveaway post Tag 2 friends and comment how you’d give that money away if you win- and that’s really all it takes! Note that there’s only 1 entry per person and you have until 12pm on December 21st to enter the giveaway. We’ll announce winners during the episode that'll publish Wednesday December 22nd. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Dec 17, 2021
Is Inflation Making us Crazy? #449
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Higher prices and inflation are all over the headlines and you might be wondering how concerned you should be. Unfortunately this is one of those times where you might be tempted to overreact as you try to take control of a situation. It makes us think of when someone is diagnosed with cancer- yes there are instances where you need to immediately treat it, but there are also cases where it’s best to not take any drastic measures and instead just monitor the situation. We want to avoid the kneejerk reaction and the ‘just do something!’ mindset, when instead there are other steps we should be taking. So that’s what we’re talking about today- why we’re experiencing high inflation, how concerned we should be, and then the many different steps that you should consider in order to keep yourself from freaking out over inflation. During this episode we enjoyed Chocolate Pecan Porter by Temblor Brewing- a big thanks to Ryan and our friends there at the brewery for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Dec 15, 2021
Ask HTM - Cryptocurrency Tax Moves, Savings in a Robinhood Account, Frugal or Cheap: Family Edition #448
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - How do we direct our kids' attention away from toys and towards faith and the deeper meaning of the holiday season? 2 - All my savings are in Robinhood- what should I do? 3 - Is it frugal or cheap to regularly drink the free coffee in the leasing office of my apartment complex? 4 - Does the wash-sale rule apply to cryptocurrency and how long can I carry those losses forward? 5 - Should some extra money go into my 401k or into i bonds instead? During this episode we enjoyed an IQ IPA by Akademia Brewing- a big thanks to Nathan for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Dec 13, 2021
Friday Flight - Teenage FIRE, AI Credit Scores, & A New Reason to Hate Gift Cards #447
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: reaching FIRE in your teens, crucial life lessons from entrepreneurship, ghosting new employers, when it’s finally time to QuitTok your job, a new reason to hate gift cards, debt collectors on social media, AI credit scores, & how trip insurance works with Omicron. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Dec 10, 2021
Investing in NFTs, Whiskey, & Farmland: Sane or Stupid? #446
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Please take a moment and just think of all the different diets that you’ve heard of- South Beach, Paleo, Whole 30, juice cleanses, Keto and intermittent fasting. There’s always a new fad just around the corner in the dieting space. And while we’re not experts in the realm of nutrition, we do know that a healthy balanced diet is what you should be striving after. And while there are some helpful elements with these different diets, if you take any one of them to the extreme it’s going to harm your body. And the same is definitely true of your finances- especially when it comes to investing. We’ve seen a rise of alternative investments over the past decade and the last few years have seen a flurry of new platforms giving you new and exciting places to invest your money. But are they a good way for you to invest your money or are they another fad that will lead you astray? During this episode we talk through the pros, the cons, some of the more popular platforms out there, and then how you can incorporate alternative investments into your portfolio. During this episode we enjoyed an Imaginary Grace by Monday Night Brewing- a big thanks to Brian and our friends there at MNB for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Dec 08, 2021
Hack Your Home & Live For Free with Craig Curelop #445
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Today we’re talking with our friend Craig Curelop about the magic wealth building technique of house hacking. Back in 2017 Craig had a negative net worth of $30,000. But by implementing different tactics to earn more, spend less, and invest the difference, he was able to reach financial independence two years later in 2019. And of course house hacking played a major role in Craig’s rapid ascent towards financial freedom. We cover all the ins and outs of house hacking and we discuss the different house hacking methods because there are a variety of options that you could go with as some of that depends on your personal situation like if you’re single or if you have a family. We’re going to cover what you need to know, before you start house hacking your way to financial freedom. During this episode we enjoyed a JOGR from Reformation Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Dec 06, 2021
Friday Flight - Unprepared Borrowers, Unconscionable Bank Fees, & Uplifting Tax Strategies #444
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: bookshelf raid giveaway winners, send in your listener money win voice memos, why you should avoid holiday credit card debt, opting out of prescreened credit card offers, what to do if you’re not ready to resume student loan payments, Ohio State eliminating student loans, best wireless deals, Wells Fargo is the worst, a higher standard deduction for 2022, the most tax-efficient way to donate money, & how much Mariah Carey makes on a single song over the holidays. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Dec 03, 2021
The Weird Science Behind Your Irrational Money Decisions #443
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Randomly ask any of your friends how often they check their phone, and most will probably say something like 20-30 times, maybe 50 times a day. Yet stats show that ⅔ of Americans unlock their phone over 160 times a day. Luckily screen time and other similar apps can help us to understand that there is a big difference between what we think that we’re doing and what we’re actually doing. As humans we’re not the most rational and self-aware beings. We often believe that we’re incredibly objective but it probably depends more on the day of the week, how hungry we are, and who we’re talking with. But we believe that by understanding and naming some different behavioral science and economic terms, that we can better realize our tendency to make irrational gut reactions and think differently about how and why we make decisions in the first place. During this episode we enjoyed a Volume Integral by Pontoon Brewing- a big thanks to Miguel for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Dec 01, 2021
Ask HTM - Buying a Home to Fight Inflation, Ethical Conundrum By Receiving Co-Pay Assistance, & Financial Priorities After Having a Baby #442
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Should I invest in my new side business or use that money to max out my Roth IRA? 2 - Is it unethical for me to accept financial assistance from a pharmaceutical company if we don’t really need the support? 3 - In order to pay for a wedding, is it OK to take some money out of an investment account? 4 - We’d like to buy a house in order to fight inflation- is this a good idea? 5 - What financial priorities should we focus on now that we’ve had a baby? During this episode we enjoyed a 5th Anniversary Hill by Southern Grist! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Nov 29, 2021
Friday Flight - Christmas Tree Inflation, Headphone Trends, & Asinine Hospital Bills #441
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: raising deductibles to save on premiums, raid our bookshelf, crypto in the vernacular, Christmas tree inflation, keeping your head on Black Friday, bucking consumption trends, a massive right to repair win, a tanking market in 2022, going with an EV to save money, & how to avoid arbitrary asinine hospital bills. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Nov 26, 2021
Stop Money Arguments In Their Tracks #440
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Wouldn’t it be nice if you never had a disagreement about money with your partner ever again? Oh the bliss! Even just imagining this conflict-free future might be causing the tension in your shoulders to relax or that headache to fade. Unfortunately, that’s a paradise that’s lost and not something we can promise! Since most Americans report having major conflicts concerning money, it’s important to engage in healthy ways so that we avoid destructive patterns in our relationship as well as with our money. We want to work towards not only growing our wealth but growing and strengthening our relationships as well. During this episode we cover some of the common patterns of arguments we often hear about and what to do about those arguments. We also offer some tips that we believe will allow you to keep simple disagreements from escalating into knock-down-drag-out money fights. During this episode we enjoyed an HDHC CananDANKua by Other Half Brewing- a big thanks to Jason for sending this one our way to enjoy! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Nov 24, 2021
A Very Merry Minimalist Christmas with Meg Nordmann #439
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Today we have the pleasure of speaking with Meg Nordmann who is the author of “Have Yourself a Minimalist Christmas: Slow Down, Save Money, & Enjoy a More Intentional Holiday”. With the holidays quickly approaching, we can often find ourselves wondering where all of our time, and money is running off to- but Meg wants to change that with her approach to minimalism. Her book presents strategies to help us to resist the clever marketing and cultural expectations that this season often brings. We talk about Meg’s own history with consumption, the relatively new history of Santa, how she approaches gift giving with her children, convincing extended family to give fewer gifts, and how she creates a minimalist calendar around the holidays. During this episode we enjoyed an Empire of Eternal Nothingness by Burial! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Nov 22, 2021
Friday Flight - Robots, Rent Control, & Taylor Swift #438
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: Joel’s first homeowners insurance claim, budgeting for Christmas, what we can learn from Taylor Swift, combating rising prices, most NFTs are worthless, old cell phones are getting bricked in 2022, the impact of robots on the labor market, & the unintended consequences of rent control. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Nov 19, 2021
When to DIY or Hire a Pro #437
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To DIY or not to DIY… you can almost hear that being said in the voice of Hamlet (the Kenneth Branagh Hamlet not the Mel Gibson one, of course.) But while this question is not nearly as existential as the one Hamlet poses, it’s one that we all increasingly find ourselves asking. On one hand you DIY everything in order to save as much money as possible and in the process you also gain a tremendous amount of knowledge- but do you have enough time to live your life? And on the other hand you outsource and hire a pro as often as you can and for the most part you know that the job is being expertly performed by a professional- but do you have enough money to live your life? So we’re establishing a helpful framework for you to make better decisions in today’s episode. We’re focusing on better decisions because there isn’t going to be a right or wrong answer. That’s up to us as individuals and our own specific situations, but we can all go about asking ourselves the right questions when it comes to whether we should DIY or hire a pro. During this episode we enjoyed a Bell’s Two Hearted Ale- a big thanks to Chris and all of our friends at the brewery for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Nov 17, 2021
Ask HTM - Frugal or Cheap with a Disappointed Daughter, Awkwardness in Combining Finances with a Partner, & Balance Transfer Cards for Large Expenses #436
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - My daughter doesn’t like the helmet I bought for her that was on clearance - frugal or cheap? 2 - How do I overcome some awkwardness as my partner and I combine our finances? 3 - Should I be looking to just get the match or should I max out my employer provided 401k? 4 - Does it make more sense for an older family member to draw on retirement accounts before social security? 5 - Is using a balance transfer credit card a good idea for a large expense I have coming up? During this episode we enjoyed a Bell’s Two Hearted Ale- a big thanks to Chris and all of our friends at the brewery for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Nov 15, 2021
Friday Flight - Zillow’s Implosion, Your Office Beckons, & the 401(EXTRA)k #435
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: YNAB raising rates, the 401(EXTRA)k, your office beckons, negotiating higher pay, entrepreneurs are happier, cutting a vehicle with e-bikes, senior citizens and crypto holders getting scammed, millennials love DIY investing, active managed funds disappointing performance, Zillow’s implosion, the future of iBuying, & how to go about refinancing. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Nov 12, 2021
Think Twice Before Investing #434
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Investing isn’t as simple as just throwing some money in the market and crossing your fingers. Yes, we do want you to invest. And yes there’s a chance you could probably invest more than you currently are. But there are a host of additional considerations that we want you examining before you open a brokerage account on your phone, initiating a transfer, and hitting purchase. Do you know what you’re investing in? Can you easily explain it to a friend? How do you feel about volatility, fees associated with that investment, illiquidity, and your time horizon? We like to think of it like taking a road trip- there are a number of things to do keep in mind like: do I know where I’m going, does my boss know I’m taking time off work, how long am I going to be gone, and can my car even handle a road trip of this magnitude? We’re not trying to dissuade you from investing, but we do want you to think twice before investing. During this episode we each enjoyed an Emergency Drinking Beer by Wild Heaven! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Nov 10, 2021
Retire Sooner and Increase Your Happiness Now with Wes Moss #433
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How necessary is money in order to be happy? That’s one of many questions we’re asking our guest today- Wes Moss. Wes is the host of his own podcast “Retire Sooner” as well as “Money Matters”, the country’s longest-running investment radio show. During this episode we learn about his childhood growing up alongside the Amish, and how that piqued his curiosity as he began writing and researching for his latest book, “What the Happiest Retirees Know”. Wes starred on the Apprentice, is a father of four, and is now the Chief Investment Strategist at Capital Investment Advisors which is a fee-only investment firm w/ over $2.8 billion in assets under management. But during this episode we’re going to really focus on the specific habits that we need to begin cultivating now in order to lead happy and fulfilling lives. During this episode we enjoyed a Fantasia by Upright Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Nov 08, 2021
Friday Flight - Savings to the Moon, Dodging Debt Collectors, and One Stingy Shaq #432
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: we’ll see you at Monday Night Garage tonight, savings rates to the moon, Series I Savings Bonds paying over 7%, credit card debt leading to poor physical health, dodging debt collectors, gig companies under fire, sustainable investing scams, female investors outperforming their male counterparts, and one stingy Shaq. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Nov 05, 2021
Squid Game Money Lessons #431
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*No spoilers contained* We’re not going to make it a habit of dissecting the nuggets of personal finance wisdom that we can glean from popular shows or movies, but that just depends on the show. And in the case of Squid Game, there were way too many money lessons calling out to us to ignore. Personal finance is a fundamental aspect of our lives but oftentimes it’s an area that gets shunted to the side when it comes to the entertainment we consume- that certainly wasn’t Squid Game’s approach. Money is front and center, and even though we’re not going to dive into the specifics of the show and give away any details, there are still a ton of different lessons that we can learn. And the best part if you’ve trimmed Netflix from your monthly budget- you don’t have to be a fan of the show in order to appreciate this episode! During this episode we each enjoyed an Alpha Abstraction IPA Vol 18 by Wild Leap! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Nov 03, 2021
Ask HTM - Paying for Medical Tourism, Best Ways to Use an HSA, & Investing in Local Businesses #430
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - How should I go about paying for some medical tourism? 2 - Was my mom right for being upset when her credit card limit was increased? 3 - What steps should I take if I want to invest $5,000 locally in my community? 4 - As we’re enrolling in a Dependent Care FSA (Flexible Spending Account), what should we consider? 5 - Should I use my HSA (Health Savings Account) funds to pay for medical expenses or to invest? During this episode we enjoyed a SchmoojeeBox by Imprint Beer Co! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Nov 01, 2021
Friday Flight - Buy Nothing Groups, Student Loan Forgiveness Made Easy, & @jack Cries Hyperinflation! #429
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: how you should come have beers with us in Atlanta, Buy Nothing groups to save, work stress leading to overspending, new car prices at all time highs, the solution to sky high car payments, “We’ve been trying to reach you about your car’s extended warranty”, Florida man wins the lottery, @jack cries hyperinflation, bots scooping up scarce Christmas gifts, student loan forgiveness made easy, & what to do about federal student loan transfers. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Oct 29, 2021
Facing Down Our Spookiest Money Fears #428
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Fear is an emotion that is hard-wired in us as humans, and so we naturally want to avoid the things that frighten us. But the biggest problem with this survival instinct is that there are times when we must face these fears in order to move forward and get ahead in life. We have a natural desire to avoid pain but if we don’t address it head-on, it’ll often lead to worse pain and problems down the road. This is often true when it comes to relationships, with our physical health, and it’s definitely true when it comes to our money. It’s a serious issue when we let fear get in the way of taking action. During this episode, with Halloween just around the corner, we cover some of the most common money fears that lurk in the back of our minds, and how to face them down in order to get one step closer to financial freedom. During this episode we both enjoyed a Hopfenweisse by Schneider Weisse- a massive thanks to Zach for sharing these with us! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Oct 27, 2021
Raising Financially Savvy Kids with Liz Frazier #427
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It’s time to do a deep dive on raising financially savvy kids! We’re joined by Liz Frazier who is a fee-only, Certified Financial Planner and she is also the author of “Beyond Piggy Banks and Lemonade Stands: How to Teach Young Kids About Finance.” Liz is all about kids and finance, and to get specific, it was when Liz was pregnant with the first of her three children that she was setting up a 529 acct and preparing her will, that everything clicked. That’s when she realized that she wanted to be a financial planner because, like so many new parents, she realized the overwhelming need to make sure her family was financially prepared. And raising children who are equipped with financial knowledge is an important part of that role as a parent. During this episode we talk about having money conversations that stick with our kids, the way Liz does allowance with her 3 kids, how to get kids excited to save, spend, and share, among many other helpful topics. During this episode we both enjoyed an Baerlic Beer Co Pioneer Fresh Hop ESB- a massive thanks to Brandon for sending us these beers that were fresh off the vine! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Oct 25, 2021
Friday Flight - Bricked Phones, Shadow Inflation, & Earning More Without A Degree #426
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: a recipe generator based on whatever you have on hand, inflation spurring us to reconsider buying habits, shadow inflation, childcare worker shortages, the great resignation leading to your ability to negotiate higher pay, lost money in holiday gift cards, bricked phones via planned obsolescence, expensive TVs, the worst student loans available, & earning more without a degree. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Oct 22, 2021
Ownership is THE Key to Wealth Building #425
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Now, we’re not guaranteeing that this episode is going to change your life as much as holding a brand new baby in the hospital changed our perspective as new fathers- but it might! There are times when our worlds are completely rocked and we feel that the concept of ownership and the way that we discuss it during this episode has the potential to radically change the trajectory of your journey to financial independence. After this episode you’ll know the difference between making a purchase or making an investment, how saving money can actually make you poorer, and some of the different ways you can become an owner. And then finally we discuss what it takes for you to realize wealth building through ownership. During this episode we enjoyed a Money Blend by American Solera- thanks to James for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Oct 20, 2021
Ask HTM - Maximizing Tuition Reimbursement, Bank Account Bonus Requirements, Using a HELOC to Pay Off a Mortgage, & More... #424
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - How do I get around direct deposit requirements to score a higher savings interest rate? 2 - Do y’all have credit card recommendations for a young, new credit card user? 3 - What steps should I take in order to rebuild my credit? 4 - I receive tuition reimbursement from my employer- what is the best way to maximize this benefit? 5 - Should I use a HELOC and my emergency fund to pay off my mortgage early? During this episode we each enjoyed a Beneath the Tide of Relative Impermanence by Burial! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Oct 18, 2021
Friday Flight - Winter Budget Busters, Housing Market Chill Pills, & Dying Ain’t Cheap #423
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: we got new life insurance policies, slower more expensive mail, finding the most affordable shipping options, Allstate tracking drivers, bosses monitoring employees, housing market chill pills, dying ain’t cheap, winter budget busters due to higher energy costs, contagious commerce, & free money in 529 plans. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Oct 15, 2021
Getting Your Money Etiquette Right #422
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Joel doesn’t like to eat at fancy restaurants- not only because paying a ton of money isn’t his jam, but also because there are all these rules of etiquette that fine diners are just supposed to know. What’s he going to do with that 3rd fork anyways?! The same is often true when it comes to our money and the social situations we find ourselves in. Splitting the bill with friends when we go out- what should we keep in mind there? How should we talk about money with our co-workers, friends, and family? When you’re on a date, who pays for what and how quickly should you dive into money conversations with someone you’re serious about? And because we’re all unique individuals, we argue that there are no hard and fast rules that dictate our actions when it comes to our money. Instead there is a lot of nuance and it takes a lot of emotional intelligence in order to get your money etiquette right. It’s not always clear what path we should take and so during the episode we provide a helpful framework to help you decide. And we also share our thoughts on some common scenarios so that we can all avoid that awkward tension that might arise. During this episode we both enjoyed Paranormal Electricity of Trans-Pacific Airwaves IPA by Burial! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Oct 13, 2021
House-Flipping, Achieving FIRE, & Staying Frugal with Carl Jensen #421
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Today we have the pleasure of talking with Carl Jensen who found himself trapped in a cubicle as a software developer nearly 9 years ago, when he set off on a journey to achieve the status of: financially independent and retired early. That’s when he started his site 1500 Days and has been blogging under the moniker Mr. 1500. Carl has since achieved FIRE and continues to be incredibly productive in the world of real estate with his live-in flips, all while pursuing a very intentional life in Longmont Colorado. Carl also happens to be a good friend of ours who we met years ago. And after spending some more time together recently at a personal finance conference, we realized we were overdue in having him come on as a guest on the show. We discuss everything from the downside of sharing personal financial information publicly, practical tips in finding a great property to flip, to how it is that Carl owns over 600 shares of Tesla stock! During this episode we both enjoyed an Old Chub by Oskar Blues! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Oct 11, 2021
Friday Flight - Scraping by on $500k, Scammer Magnets, & the Cure for High Gas Prices #420
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: Salesforce predicting we’ll pay 20% more on holiday spending, inflation impacting dollar stores, our Black Friday predictions, more scammers on Facebook Marketplace, the cure for high gas prices, scraping by on just $500k, Robinhood on college campuses, & stop paying for your credit score! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Oct 08, 2021
The Insidious Nature of Gig Work #419
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Anytime you see a commercial for prescription meds, everyone always looks so happy- they’re 100% living their best life! But what about those insane side effects?! If you’re considering taking those medications you’ll have to seriously consider whether or not it’s going to be worth it for you. And we believe similar considerations need to be given when it comes to gig work. On the surface gig jobs seem like they could provide you with all that you’re looking for- flexibility, income, autonomy! And with an easy to use app on your phone you could be earning an income before it’s time for lunch. But we believe there’s a darker side to gig work as well. So during this episode we’re going to address both sides of the argument, we’re going to help you to determine if gig work is right for you, and then we’ll help you to think through choosing the best one for your life. During this episode we enjoyed a Fluffo Sando by Pipeworks Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Oct 06, 2021
Ask HTM - House Hacking Instead of Investing, Costco vs Sam's Club, & Investing Too Much Money #418
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - How do I know if I’m investing enough when financial advisors always say to invest just a little bit more? 2 - Which warehouse club should I go with- Costco or Sam’s Club? 3 - What should I do with a 401k from a previous employer? 4 - How large should my emergency fund be, where should I keep it, and where can I earn a high rate of return on money in 2-3 months? 5 - Should I start house hacking if that means investing less money in the stock market? During this episode we enjoyed a Southern Crisp by Southern Grist Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Oct 04, 2021
Friday Flight - Investing Hamsters, Free Money for College, & Why Bottled Water Sucks #417
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: a new federal student loan servicer, free money for college is available starting today, what to do about rising rents, preparing for covid healthcare costs, investing hamsters beating the market, “experts” calling for a market crash, Vanguard slashing fees, making bank as an influencer, & multiple reasons why bottled water sucks. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Oct 01, 2021
These Financial Rules Were Made to Be Broken #416
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Do you know anybody who’s never broken the speed limit? Even just a single person- in your entire life?! And if you’re being honest you’re less likely to treat it as a speed limit, and more like a speed minimum. We think we should be going at least that fast, if not more! For better or worse the speed limit is one of those rules in life that consistently is not followed. We break that rule because we believe we can still drive safely, even while exceeding the speed limit. Well the same is true with our personal finances and the money moves that we make. There are a lot of financial rules out there that many believe must never be broken or even challenged, while we believe a certain amount of liberty can be taken. It’s not that we believe that the rules should be done away with altogether- they’re important rules of thumb and reference points that we should definitely pay attention to, especially early on in our financial journey. But as you gain more knowledge and experience there are some financial rules that were made to be broken. Listen as we cover some of those rules as well as why it’s ok to be a conscientious objector! During this episode we enjoyed an Indefinite Staycation by Dogfish Head- thanks Ryan for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Sep 29, 2021
The Unspoken Rules Of Career Success with Gorick Ng #415
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Excelling in your career depends on more than just doing a great job. Just because you’re a decent software engineer, or you get the job done as a nurse- that doesn’t mean that you’ll quickly rise through the ranks. Nor does it mean you’ll automatically see big raises or year-end bonuses! That’s because there are things that managers and bosses expect of you, but they’re never explained to you. This is the basis for Gorick Ng’s best-selling book, “The Unspoken Rules: Secrets to Starting Your Career Off Right.” Gorick is a career adviser at Harvard, focusing on coaching first-generation, low-income students. But before that, he gained plenty of professional experience from working in management consulting, investment banking, and as a researcher with the Harvard Business School. Regardless of your specific job, there are plenty of soft skills and unspoken rules that you need to discover, in order to find success in your career. During this episode we both enjoyed a Belgian Aloha by Olentangy River Brewing- thanks Scott for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Sep 27, 2021
Friday Flight - Rideshare Inflation, Pay Transparency & Emotional Investing #414
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: local channels can no longer be streamed, rideshare inflation, jobs with the most demand over the next 20 years, and the effects of pay transparency laws. And then after the break we speak with Lindsey Bell with Ally Invest about emotional investing, volatility in the stock market, and the rise of speculation. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Sep 24, 2021
Can We Count on Social Security or is it Busted? #413
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Climate change used to feel like one of those things that was way off in the future. But then we see the headlines of extreme weather, or perhaps you’ve experienced it first-hand, and we realize that it could be more imminent than we used to think. It’s no longer an abstract concept but a concrete reality. And so it is with our perception of Social Security- it used to just be an annoyance that shrunk our paychecks as teenagers. But now as more responsible adults, we’re looking ahead and wondering if Social Security will even be a thing by the time we’re retirement age. And recent reports say that the Social Security fund will be insolvent by 2033?! That’s why today on the show we’re asking- whether or not we can count on Social Security retirement benefits and the additional steps we can start taking now to ensure a comfortable future. During this episode we enjoyed a Roosevelt Coffee Stout by Olentangy River Brewing- thanks to Scott for sending this one our way! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Sep 22, 2021
Ask HTM - Bitcoin in Our Portfolio, Fixing a Credit Card Mistake, and Putting Savings in Coke Stock #412
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - What do y’all think about Bitcoin? 2 - Where should we save or invest our down payment for a new house? 3 - Is it too risky to keep my savings in Coke stock? 4 - Should I close a credit card that I opened on accident? 5 - Does it make sense to invest in a 403b or a 457? During this episode we enjoyed a Master Shredder by The Veil Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Sep 20, 2021
Friday Flight - The Sports Betting Boom, Record Home Equity Levels & Taco Subscriptions #411
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: scoring a massive Airbnb discount, learning economic theory from Theme Park Tycoon, video game bans, the sports betting boom, buy now pay later consumers are falling behind, leveraging crypto to buy more crypto, subscriptions that are bad for your wallet and your diet, and what to do with sky high home equity levels. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Sep 17, 2021
What if You Won the Lottery? #410
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Winning the lottery shouldn’t be a part of your financial plan- but why are we so enthralled by the idea of winning the lottery?! On average, Americans spend over $1,000 every year for the chance to strike it rich. That’s a lot of wasted money that could be going towards literal investments. But even though we’re not going to win millions, statistically speaking, this exercise can provide some insights about the ways we want to spend our money and our time. This is helpful because there is a much higher likelihood that we would experience some sort of windfall in our lives whether that be a bonus at work, proceeds from a home sale, or even an inheritance. And if we haven’t taken the time to think through what we would do in these scenarios, there’s a good chance we could make the wrong decision in the heat of the moment. We’re going to get personal and share what we would do if we won the lottery, and we’re also going to explain how you can come up with your own money mission statement. During this episode we enjoyed a Crucial Crucial Taunt Taunt Enhanced by The Veil Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Sep 15, 2021
Fight and WIN Against Insane Healthcare Costs with Marshall Allen #409
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Marshall Allen is a journalist who investigates why we pay so much for healthcare here in America, while simultaneously we receive so little in return. He is the author of “Never Pay the First Bill: And Other Ways to Fight the Health Care System and Win” and he is also the founder of Allen Health Academy, which produces a curriculum of short on-demand videos to equip and empower employees to navigate the healthcare system. Marshall has been investigating the healthcare industry for 15 years, including over a decade at ProPublica. He also teaches investigative reporting at the Newmark Graduate School of Journalism at the City University of New York. We highly recommend that you listen to this episode if you’re looking for practical ways to reduce how much you’re spending on medical costs! During this episode we enjoyed a Fade Away by Cruz Blanca Brewery - thanks to Dennis and our friends at the brewery for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Sep 13, 2021
Friday Flight - Robots Ruining Everything, A New Robinhood Feature, & Kim Kardashian's Crypto Kerfuffle #408
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: Matt scored his $1,250 credit card signup bonus, judging others if they have an old phone, digital driver's license, targeted ads on streaming, trip stacking, Kim Kardashian's crypto kerfuffle, a new Robinhood app feature, robots disrupting the labor market, AI rejecting millions of resumes, and one simple way to score a better job. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Sep 10, 2021
Striving for Work-Life Balance (Bestie Ep) #407
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Feeling overworked?! Between trying to get ahead at your 9-5 and pursuing side hustles, chances are really high that you feel like your work-life balance is out of whack. That doesn’t even take into account that more of us are working from home. We find ourselves chronically fatigued and exhausted because we give too much to our work, leaving little left for ourselves and those around us who we love. For instance, as a result most Americans don’t take all their vacation time- and when they do, they find it impossible to actually stop working! This ongoing cycle of never-ending work is leading more folks than ever to despise the work they once loved while other important areas in their lives like relationships, health, and hobbies continue to suffer. This is an important topic for us to cover as we seek to implement some practices to restore that work-life balance and then create boundaries to maintain that balance. During this episode we enjoyed an I Learned It by Watching You by Burial Beer Co and Other Half Brewing - a big thanks to our friends Waffles on Wednesday for donating this collaboration beer to the show. And if you enjoyed this episode, be sure to subscribe 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! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Sep 08, 2021
Ask HTM - Reporting Rent Payments to Credit Bureaus, Bicycle Insurance, & Preparing for Maternity Leave #406
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Should I put all of the proceeds from my home sale towards the down payment on a new home? 2 - As a renter, should I pay extra in order for my rent payments to get reported to the credit bureaus? 3 - Does it make sense to get insurance for my e-bike? 4 - How can we make sure that our finances are in a strong position before having a baby? 5 - Is there a best time of year to invest a lump sum of money? During this episode we enjoyed a 555 by Cruz Blanca Brewery- thanks to Dennis and our friends at the brewery for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Sep 06, 2021
Friday Flight - Employer-Matched Savings Accounts, Annoying Hotel Fees, & Where to Save the Most on a Refinance #405
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: what to watch out for when switching to an online bank, employer-matched savings accounts on the rise, IKEA buying back your furniture, the easiest way to get all of the shampoo out of a bottle, annoying hotel fees on the horizon, simple tricks to supercharge your retirement account, the underutilized Roth 401k, falling investment fees, when it makes sense to see a financial advisor, avoiding eviction through federal rental assistance, & where to save the most on a refinance. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Sep 03, 2021
Valuable ATLien Money Lessons #404
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Since this is episode 404, we’re talking all about the money lessons that we can learn from our city Atlanta (which is sometimes referred to as the 404). You can learn lessons in unintended places- there are things to be learned all around us, if only we’re keeping an eye out for them. For instance, one of the impacts of the Covid lockdowns last year was that we couldn’t go anywhere and our calendars were pretty much wiped clean. And the unintended lesson that many Americans learned was that we probably had way too many events on the calendar to begin with. We quickly learned that less activities and more family time was a good thing. And so when it comes to Atlanta, there are a ton of different personal finance lessons that we can learn- from specific things like terrible traffic, the cultural diversity we find in the city, tax breaks being offered to the film industry, our sports teams, and plenty more! So be sure to listen in order to learn some valuable ATLien money lessons. During this episode we enjoyed BBA Siberius Maximus 10th Anniversary Cuvee RIS by Wrecking Bar Brewpub! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Sep 01, 2021
Ditching Work You Hate & Landing the Job You Want with Ashley Stahl #403
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Today we are joined by career expert Ashley Stahl. She has a new book out titled You Turn: Get Unstuck, Discover Your Direction, and Design Your Dream Career that we dive into during this episode. And while we’re on the topic of job hunting, Ashley has quite the remarkable resume herself- she interned with Governor Arnold Schwarzenneger, pursued a career in counterterrorism while getting her Masters degree in War Studies in London, & then worked for a defense contractor at the Pentagon running an award-winning program. But despite all her success, Ashley still felt a degree of uncertainty until she finally changed her career path. Ashley is now a career coach where she empowers people to discover their authentic careers, land more job offers, and launch their dream businesses. During this episode we enjoyed a Hazy Little Thing by Sierra Nevada! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Aug 30, 2021
Friday Flight - Christmas Shopping Starts Now, Rental Scams & No-Vax Penalties #402
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: small businesses passing credit card fees on to customers, housing rental scams abound, why now is the time to start shopping for Christmas, how subscription fatigue could be beneficial, whether or not you need a 401k to retire, a $20,000 hiring bonus, skipping the vaccine might cost you big, and getting the job you want with a video resume. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Aug 27, 2021
Is Real Estate Investing Right For You? #401
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You should consider investing in real estate! If your personal finances are in a solid position and you’ve already taken advantage of the tax advantaged accounts that are available to you, we believe that it could make a ton of sense for you to become a real estate investor. There are many great benefits from owning long term rentals like experiencing a higher return on your investment, monthly cashflow, tax benefits, and others that we’ll get to during this episode. But just because we’ve found investing in real estate to be a boon in our lives doesn’t mean that you should automatically go out and purchase your first rental. There are a number of different factors that you need to consider, before you start making offers! We tackle some of the common excuses that some folks give for why they don’t want to invest in real estate, in order to help you decide if real estate investing is right for you. During this episode we enjoyed Corn Grisette by Cruz Blanca Brewery- thanks to Dennis and our friends at the brewery for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Aug 25, 2021
Ask HTM - Working with a Partner who is Bad with Money, Best Ways to Pay for Grad School, & Tax Implications of Inherited Money #400
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Should I avoid getting married if my partner and I are unable to get on the same page with our money? 2 - Paying for grad school: should we use savings, dip into an investment account, or take on a student loan? 3 - How can I best go about maximizing my self-employment benefits? 4 - What are the tax implications of an inherited IRA? 5 - Where should we put money that we’re planning to put towards rental properties? During this episode we enjoyed Coco Frio by Cruz Blanca Brewery- thanks to Dennis and our friends at the brewery for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Aug 23, 2021
Friday Flight - Drunk Investing, Help for Homebuyers, and Paying to Cut in Line #399
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: an easy site to help you choose the right streaming services, free Apple TV+, how rent payments will help you qualify for a mortgage, what to do about the T-Mobile data breach, paying to cut in line at theme parks, whether an electric vehicle is more affordable for you, drunk investing, investing fee transparency, whether inflation has impacted the price of brown bag sandwiches, eating SPAM, & cutting the cost of insurance. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Aug 20, 2021
A Money Conversation With Our Partners #398
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Kate and Emily take the mic! It’s that time of year again- when our wives have yet again so graciously agreed to sit down and talk with us about money! Specifically during this episode we dive into Emily’s and Kate’s backstories and histories with money and how that has influenced us today. We also look back to the early days in our relationship and recount what it was like to combine our money as well as some of the first money fights we had and how we went about solving those disagreements. And then finally we discuss some of the different practices that can help all couples to continue to grow- it’s important that personal finance isn’t something that divides but instead unites relationships! During this episode we enjoyed a Tefnut (w/ Blueberries & Blackberries) by The Veil Brewing. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Aug 18, 2021
How To Tackle Your Student Loans with Lauryn Williams #397
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Today on the show we’re joined by gold medal winning, Certified Financial Planner, Lauryn Williams. And we’re not even joking with you- Lauryn was an Olympic athlete and was the first American woman to medal in both the summer and winter Olympic games which is an incredible feat. So not only is she a CFP with her own business, not only has she won gold as an Olympic athlete, but Lauryn is also a Certified Student Loan Professional, a CSLP, so she also has a high level of expertise when it comes to all things student loans. We’re going to hear Lauryn’s Olympic story but we’re also going to dig into some important details that student loan borrowers need to keep in mind when it comes to things like forbearance, student loan forgiveness, and the different income-driven repayment plans. During this episode we enjoyed The Donkey and the Thistle by Mad Fritz- thanks to our friend Cal for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Aug 16, 2021
Friday Flight - Student Loan Payment Pause, The Worst Car Loans, & Avoiding This Common HSA Blunder #396
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: the student loan payment pause continues, savers are getting crushed, lower levels of competition are costing us $5,000 every year, everyone is angel investing, avoiding a very common HSA blunder, the worst car loans out there, used cars are no longer appreciating in value, & rental unit bidding wars. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Aug 13, 2021
A Cornucopia of Budget Travel Tips #395
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Who doesn’t enjoy going on a relaxing or adventurous vacation?! But even if spending a week in the Caribbean or backpacking across Europe isn’t your craft-beer-equivalent, chances are pretty high that you have to occasionally do some traveling and we want you to save big. Americans pour a lot of money into travel- to the tune of 972 billion dollars on domestic travel alone back in 2019. But it doesn’t have to cost you a fortune. We want you to experience all the joy of travel while lessening the financial pain of it. In this episode we cover a litany of tips and tricks that will allow you to save on your next trip. We cover many different aspects of travel, giving you the knowledge and resources that you can keep coming back to in order to save money every single time you book a trip in the future. During this episode we enjoyed some Vacay Daydreams by Pipeworks Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Aug 11, 2021
Ask HTM - Hidden Expenses When Investing, Keeping Student Loan Payments Low While Earning More, & Vacation Investment Properties #394
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - What is this fixed finance charge on a new credit card that I applied for? 2 - How can I prevent my income based student loan payments from increasing as I’m making more money? 3 - Are there hidden expenses when I invest in funds through Cash App or Robinhood? 4 - When it comes to teaching high schoolers about personal finance, what topics or curriculum should I focus on? 5 - Should we buy a vacation property, specifically a condotel, as an investment? During this episode we enjoyed The Bane The Blithe by Newgrass Brewing Co! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Aug 09, 2021
Friday Flight - FREE Health Insurance, Buy Now Pay Later, & Fatter Paychecks #393
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: Joel’s favorite wallet, free or discounted ACA health coverage, college health insurance plans, Target and Walmart paying for college, the slippery slope of buy now pay later, index fund investors saving $357 billion, higher priced diapers, furniture delays, & getting paid more. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Aug 06, 2021
Having an Arbitrage Mindset Changes Everything #392
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Dick Fosbury changed the sport of high jumping forever the first time he jumped backward over the bar. Until then, every competitor had launched themselves into the air going forward, belly over the bar. I’m not sure the last time you watched a high jumping event, but now every high jumper uses Dick’s technique. He essentially exploited a flaw in the high jumping world that no-one else was paying attention to. In a way that’s basically what arbitrage is when it comes to our personal finances- it’s about thinking creatively about the different financial hurdles in our lives. It’s about challenging the assumptions we’re faced with. We’ll cover some very clear forms of arbitrage that you might already be implementing, some problems with arbitrage, and then how you can begin developing more of an arbitrage mindset today. During this episode we enjoyed a Newgrass Brewing Co Pineapple Upside Down Shake! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Aug 04, 2021
Becoming Your Own Consumer Advocate with Clark Howard #391
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Today on the show we’re talking with one of the greatest minds in the personal finance space- Clark Howard. Clark is a money expert with a heart of gold who hosted his own radio show for over 30 years. I had the pleasure of working with him for 14 of those years. He is also the author of 10 books and continues to produce an excellent podcast daily because he somehow has limitless amounts of energy. But some of his more impressive accomplishments have been via the work he spearheads in Atlanta and the surrounding communities, including his partnerships with Habitat for Humanity, and his annual Clark’s Christmas Kids broadcasts which have helped ensure that over 150,000 kids received presents on Christmas morning that otherwise wouldn’t have. During this episode we enjoyed a Self Unaware by Newgrass Brewing Co. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Aug 02, 2021
Creating a Debt Payoff Plan (Bestie Ep) #390
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Our country has opened back up and we’re guessing that you probably spent a lot more money this summer compared to last year. Consumer spending isn’t going anywhere, student loans are ever-present, and car loans are becoming even more of an issue as consumers take out 72 and 84 month loans. The reality and feeling of drowning in debt is compounded when folks don’t know how to get out from underneath this crushing weight. Where do you even begin?! What we need is a plan to help us get out of debt and get our feet set in the right direction this year. Now is the time to get your personal finances in order and creating a debt payoff plan is vital to achieving your financial goals. During this episode we enjoyed a Barrel Aged Yeti Imperial Stout- thanks to our friends there at the brewery for donating this one! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jul 30, 2021
Biking More To Get Rich #389
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You might be saying “Yea, yea- we know Joel and Matt love biking…”, but did you realize that you’re literally missing out on millions of dollars by driving instead of biking? We crunch the numbers for you in this episode. So if you’re not biking, you should really give it another shot. People change- you’re not set in stone are you?! Just because at some point in time you decided that biking wasn’t for you, that doesn’t mean that you shouldn’t reconsider. And on top of the massive financial benefits there are a host of other additional advantages of riding more. Plus, we disprove a bunch of common excuses that are given as to why some folks can’t bike more, or bike to work. Then we round things out and share how you can begin incorporating cycling into your life, and how you can get riding today! During this episode we enjoyed a Double Fruited Boysenberry Blackberry Raspberry Hill by Southern Grist! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jul 28, 2021
Ask HTM - Making the Most of a Meme Stock Mistake, if $50k Advanced Degrees Make Sense, & Selling or Renting a Home #388
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear from you! 1 - How can I use money allocation and automation to reduce my level of financial stress? 2 - Does it make more sense for us to rent or sell our house in the current hot real estate market? 3 - How do I have a better conversation about investing with my partner who doesn’t want to be a part of the “system”? 4 - I’ve made and lost a lot of money from crypto and meme stocks so what do I do now? 5 - Will a $50k advanced degree make sense? During this episode we enjoyed an El Dorado DDH Juicy Bits by WeldWerks Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jul 26, 2021
Friday Flight - Crazy Rich Millennials, Rising Rents, & A Shady Way to Pay for College #387
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: appealing your property tax assessment, crazy rich millennials, eating out is getting pricier, shrinkflation and generics brands, rising rents, using target date funds incorrectly, shady ways to pay for college, & why paying with cash isn’t always a bad idea. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jul 23, 2021
Crucial Credit Card Benefits You Aren’t Using #386
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You’re missing out! Imagine using your smartphone only for making phone calls. What if you didn’t know you could use your phone to listen to podcasts, text, interact with friends on social media, or even to use the built in flashlight? What a shame that would be since your phone is capable of so much more than what it’s name implies! Now let’s imagine you’re only using your credit card to make purchases. Are you aware of the long list of benefits and rewards that are provided by some great credit cards out there? Did you realize that debit cards don’t offer the same protections that credit cards have automatically built in? Not to mention that we dive into the ethical question of credit card rewards- is it possible to utilize rewards and points with a clean conscious? During today’s episode, we’re going to convince you to start using your credit cards much more effectively. During this episode we enjoyed a Chief of Chiefs by Bearded Iris! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jul 21, 2021
The Art of Gaining Peace with Your Money with Ken Honda #385
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Here on the podcast we often talk about how to do smart things with your money, but we also try not to neglect the why behind our actions as well as our attitudes that have a massive impact on our overall approach to personal finance. Today on the show we’re talking with Ken Honda about his book “Happy Money” which is all about the mindset and attitude that we bring to our money which directly impacts our happiness. After a very successful business career, becoming an author was essentially a second career that Ken discovered and developed after retiring before he was 30. Ken’s writings bridge the topics of finance and self-help, focusing on creating and generating personal wealth and happiness through deeper self-honesty. Happiness and handling your money well takes more than just understanding the nuts and bolts, so listen as we talk about the art of gaining peace with your money! During this episode we enjoyed a Black Widow by Original Sin Cider- thanks to the folks there at Original Sin for sending this one our way! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jul 19, 2021
Friday Flight - Getting Paid On Demand, Sneaky Internet Bill Increases, & New Cheap Drugs #384
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: opting out of housekeeping to save money, child tax credits have arrived, getting paid on demand, living paycheck to paycheck, new affordable discounted drugs, sneaky internet bill price hikes, getting your wifi to work better, cell phone upgrade cycles, and where inflation impacts you the most. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jul 16, 2021
Breaking Down More Common Money Phrases #383
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There’s no such thing as a free lunch. Don’t put all your eggs in one basket. You’ve heard phrases like this your entire life but are they true? And how can we specifically apply them to our personal finances? We had fun talking about some common money phrases earlier this year, but since then we’ve realized that there were a bunch of good ones we didn’t cover! So we figured it was a good idea to hit up even more common money phrases that we’ve all heard and dissect them. And the reason we feel this is surprisingly important is because the sayings we hear can often bore into our brains and if we hear them enough we believe them as fact. But many of these common sayings have flaws in them or are just downright wrong. So have a listen as we think through some more money sayings and how they apply to our personal finances. During this episode we enjoyed an Elderberry Northwest Sour Ale by Cascade Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jul 14, 2021
Ask HTM - Hanging with Friends on the Cheap, Assisting Parents with Their Money, & Smart Contributions to Both an HSA and FSA #382
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo! 1 - Is my job worth the awful commute? 2 - How can I hang out with my friends without spending a ton of money? 3 - Does it make sense to contribute to both an HSA (Health Savings Account) and FSA (Flexible Spending Account) 4 - Should I pay off my mom’s credit cards or car in order to help her with her finances? 5 - What’s the best way to grow money that I’ll need in 2 or 3 years? During this episode we enjoyed a 2017 Kriek by Cascade Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jul 12, 2021
Friday Flight - New Cheap Travel Hacks, Borrowing is Back, & Beware of Neobanks #381
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: reevaluating 2021 goals, new cheap travel hacks, the price of gasoline, federal unemployment benefits ending for some, scoring sweet hiring bonuses, teenage hiring boom, borrowing is back, whether you should take on debt in order to invest, expected returns in the stock market, & customer service problems with neobanks. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jul 09, 2021
FIRE: Choose Your Own Adventure #380
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This episode is all about FIRE which stands for Financial Independence Retire Early. This movement came about as an entire generation began to push back against the notion of traditional retirement- working hard in a job you hate so that you can kick back when you’re 65. Thanks, but nah. We have friends who have completely rejected that idea and have retired in their 20s and 30s, but the most important thing to keep in mind is that the pursuit of financial independence doesn’t have to look a specific way. Just like those books we loved in the 90’s you get to choose your own adventure! From leanFIRE to fatFIRE and everything in between, there are a variety of lifestyles we can aspire to. So we’ll talk about the different types of FIRE and then some of the most important tactics to consider on your path to achieving financial independence. During this episode we enjoyed a Smells Like Bean Spirit Double Maple by Mikerphone Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jul 07, 2021
Financial Independence at 27 via Passive Income with Rachel Richards #379
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Since yesterday was the 4th of July, we’re talking about financial independence with someone who has achieved it at the young age of 27. Rachel Richards is a former financial advisor, a real estate investor with almost 40 rental units, and the bestselling author of “Money Honey.” She has also written “Passive Income, Aggressive Retirement” which we’re covering today as we discuss the lessons Rachel has learned on her way to financial independence. Rachel quit her 9-5 job and now lives off over $15,000 a month in passive income and she spends her time doing whatever she feels like- whether that’s traveling the world with her husband or hiking the Rockies with her dog. Learn how setting up streams of passive income to achieve financial independence is more attainable than you think! During this episode we enjoyed a M-43 Tart Strawberry by Old Nation Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jul 05, 2021
Friday Flight - Peak Inflation, Saving Money Sucks, & Insurance Scams #378
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: Bobby Bonilla made the wrong decision, keeping utility costs low during scorching heat, peak inflation with costs coming down, appreciating used cars, personal rates of inflation, saving money sucks, Peloton disabling treadmills, new Venmo fees, Gen Zers and Millennials are being targeted with new scams, high costs of title insurance, avoiding extended car warranties, student loan interest rates have increased, & book giveaway winners! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jul 02, 2021
How To Pay Less For Almost Everything #377
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Nobody enjoys paying full price- who doesn’t like scoring a sweet deal?! Yet many of us don’t think to do what it takes to pay less for the things that we buy. Whether it’s the fear of rejection or not wanting to be perceived as a cheapskate, there are a number of false narratives at play that are keeping us from pouncing on discounts. And it’s important to simultaneously keep in mind that, in the words of Michelle Singletary, “discounts make us dumb!” In the quest to pay less, it’s important to not fall victim to the ploys of marketers and advertising! We discuss all of these patterns of thinking, as well as the steps that we need to take in order to ensure that we’re getting the absolute best deal on almost everything. During this episode we enjoyed an Origins by Crooked Stave! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jun 30, 2021
Ask HTM - Liability Limits on Car Insurance, Giving Unsolicited Investment Advice, & 15 vs 30 Year Mortgages #376
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo! 1 - How should we budget for a bi-weekly paycheck? 2 - Should I give unsolicited investing advice to my brother-in-law? 3 - Since I’m building up my net worth, should I increase my liability car insurance limits? 4 - Are I Bonds a good idea? (pronounced ‘eye’ bonds!) 5 - 15 or 30 year mortgages: which should I refinance to? And what are your thoughts on flipping houses? During this episode we enjoyed a Seeing Green by Civil Society Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jun 28, 2021
Friday Flight - Reverse Cord-Cutting, Living Paycheck to Paycheck on 100k, & Putting Rent on a Credit Card #375
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: Costco mortgages, how you can raid our bookshelf, Advance Child Tax Credit, car rental gift card scams, high earners living paycheck to paycheck, reverse cord-cutting, investing (in) teenagers, more Zillow Offers, putting rent on a credit card, & keeping banks from closing your credit card. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jun 25, 2021
Is Lifestyle Creep Inevitable? #374
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Most everyone out there has heard of lifestyle creep, also known as lifestyle inflation. We define this phenomenon as the unconscious upgrading of our lifestyle and standard of living which ends up costing us more and more money. And aside from the ability of lifestyle creep to sneak up on us, one of the other dangers is that it is often difficult to turn back the clock and downgrade our standard of living! So we’re asking the question today- is lifestyle creep inevitable? In this episode we discuss some widespread examples of lifestyle creep in our society, why it happens, and how we can thwart lifestyle creep from derailing our personal finances. During this episode we enjoyed a Hobnail by Urban Artifact Brewing- thanks Sondra for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jun 23, 2021
Crisis-Proofing Your Finances with Michelle Singletary #373
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Michelle Singletary is an award winning personal finance columnist for The Washington Post. She’s also a frequent contributor to NPR and she has also appeared on NBC’s “Today Show” and CBS’ “The Early Show.” Michelle has written multiple books on personal finance and her latest book, “What To Do With Your Money When Crisis Hits,” was just published last month. Not only is it an incredible resource for folks who find themselves in difficult times, but it’s also chock-full of practical money advice to implement even during the best of times. It’s the kind of advice that your grandma would approve of! Listen as we get to talk with Michelle Singletary today and as we learn more about her book. During this episode we enjoyed a Squeezebox by Urban Artifact Brewing- thanks Sondra for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jun 21, 2021
Friday Flight - Quitting Your Job, Micro Weddings, & A Hefty Credit Card Sign-Up Bonus #372
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: micro weddings are here to stay, The Great Resignation, increased employee benefits, acquiring new skills, solid 529 plans, parent PLUS loans are the worst, making millions from speed cameras, vehicles are lasting longer, spending more money on restaurants than groceries, and the best credit card sign-up bonus. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jun 18, 2021
Using Financial Stress to Your Advantage #371
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During today’s episode we’re going to explain how you need more financial stress in your life!.. Well, not quite, but we do think that the proper amount of stress in our lives can be helpful in achieving the money goals we’re pursuing. All things in moderation though- just like you want to avoid having too much of a good thing, we obviously want to avoid overwhelming stress in our lives. But the thing is, it’s oftentimes not even the stress itself that is bringing us down, but the negative coping mechanisms and habits that we turn to that can be the most destructive, and that can cost us the most. We believe that by reframing how you view stress and by putting it in the proper light, you can use financial stress to your advantage. Listen and we’ll explain how! During this episode we enjoyed a Coconut Stout by Easy Chair Brewing Garage- thanks to Jess for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jun 16, 2021
Ask HTM - Stashing Money for 3-6 Years, Ways to Teach Kids About Investing, & Taxes on Summer Jobs #370
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo! 1 - Where do I put money for the next 3-6 years for a home purchase? 2 - What should I keep in mind as I’m considering becoming a financial counselor? 3 - Will our teenager need to file taxes for his summer job? 4 - Can I use my credit card as an emergency fund so I can invest my savings? 5 - What’s the best investment account for teaching kids about saving and investing? During this episode we enjoyed a Peach Seltzer by Easy Chair Brewing Garage- thanks to Jess for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jun 14, 2021
Friday Flight - Free Fancy Phones, Inflation Surging, & Crypto in your 401k #369
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: renting vs buying, actual cost of homeownership, inflation is surging, shrinkflation, post-pandemic spending sprees, how your 401(k) balance isn’t all yours, crypto in retirement accounts, free fancy phones, & Ally dropping overdraft fees. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jun 11, 2021
Saving for College is Overrated #368
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For most financially responsible parents out there, it’s not a question of if they should be saving for their kid’s college, but how much. Oftentimes parents are wondering how much they need to save in order to be performing their proper parental duty. But we’re taking a more counter cultural stance and are asking the question: should you be saving for college at all? We’re all about thinking in advance and ensuring that we’re properly saving and investing our money, but for a lot of folks, the answer is that they shouldn’t be putting any money towards their child’s future college expenses. Listen as we discuss the benefits of not saving for your kids college, when you can actually start putting funds away in a college fund, and then ways you can go about it properly. During this episode we enjoyed a Coconut Stout by Easy Chair Brewing Garage- thanks to Jess for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jun 09, 2021
Jargon-Free Money Help with Two Cents #367
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For this episode we sit down for a great conversation with Philip Olson and Julia Lorenz-Olson. As a newly married couple, they transitioned from theatre kids fresh out of college, to money experts as Philip and Julia now own their own financial planning firm in Austin Texas. They also host the PBS YouTube channel Two Cents, where they tackle various personal finance topics ranging from ‘How Cars Keep You Poor’, to ‘Retiring in Your 30s’. Julia and Philip are able to channel their passion for acting and production into videos that inform and illustrate these money concepts in ways that are completely relatable- they make personal finance entertaining and easy to understand! Listen for how they got started in personal finance, why they started creating YouTube videos, and why everyone needs more empathy when it comes to financial planning. During this episode we enjoyed a Big Le-Stout-ski by Bhramari Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jun 07, 2021
Friday Flight - Fix Your Car, The Solution to Overthinking, & What’s a Better Gift: Stocks or Flowers? #366
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: dumb fees on prepaid debit cards, avoiding rising auto insurance rates, fixing vs replacing your car, preparing for student loans this fall, and what’s a better gift: stocks or flowers? And then after the break, Jon Acuff joins us to talk about how he once bought a package of 48 haircuts in order to save money. We get serious though and quickly discuss his new book, “Soundtracks: The Surprising Solution to Overthinking” where we cover the difference between overthinking and being prepared, how to determine if we have soundtracks that are keeping us from attaining our goals, and overcoming imposter syndrome. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jun 04, 2021
Don't Trust Money Advice From These Folks #365
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Who are you trusting with your money? We’ve all received some crappy advice at some point in our lives, but when it comes to our personal finances we need to make sure that we’re listening to the right folks. One of the reasons it can be so difficult today is due to social media and entertainment- there are a lot of self-appointed “experts” these days and it can be difficult to tell the difference between sound financial advice and an account or a show that’s meant to just amuse you. For most folks, it might be easier to sniff out a blatant scam where someone is out to swindle you. But potentially even more dangerous- what about the instances of friends or family members who think they’re giving us good advice? Those are situations where they probably have good intentions, but it’s just not the right advice for you. We run the gamut between headlines and social media to financial advisors, and we also discuss how you can determine if the advice you’re hearing is right for you. During this episode we enjoyed a Return of the Tripping Dead by Tripping Animals! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Jun 02, 2021
Ask HTM - Getting a Mortgage with a Low Credit Score, Borrowing from a 401k, and Investing in International Funds #364
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo! 1 - Can I get a mortgage with a low credit score? 2 - Should I borrow from my 401k? 3 - After getting off to a late start to investing, should I focus on investing for retirement or buying a condo? 4 - Should I pay for healthcare I don’t need in order to invest within a Health Savings Account? 5 - Why don’t you guys invest in international funds? During this episode we enjoyed a Barrel Farm Bend #2 by Monday Night Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
May 31, 2021
Friday Flight - Choosing Between WFH or Getting a Raise, A Better Way to File Taxes, & the Worst Way to Travel #363
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: more state vax cash incentives, small businesses on Google, right to repair laws, planned obsolescence, Americans like filing their taxes, more millionaires than ever, turning a profit on your wedding, choosing between WFH or getting a raise, pandemic unemployment assistance is phasing out, & the worst way to travel. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
May 28, 2021
You Need a Bare Bones Budget #362
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If you were faced with a financial emergency, how would you respond? Imagine you just found out that today was your last day at work and you had no other income- do you know how you would cut back in order to get by? That might be a terrible scenario to envision, but we believe that having a bare bones budget in your back pocket is necessary as it can be powerful in case of a financial emergency. It’s all about keeping your needs and cutting your wants in order to prevent you from relying on debt or making other ill-advised financial moves. During this episode we discuss what you should include in your own bare bones budget, as well as the additional benefits that accompany thinking through some of the worst case money scenarios that you might encounter. During this episode we enjoyed an Ethereal Vibrations by Monday Night Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
May 26, 2021
Travel LOTS, on LITTLE with Nomadic Matt #361
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If you’re ready to do some traveling after being cooped up for over a year, then this episode is for you. Today we’re talking with Matthew Kepnes who is better known as Nomadic Matt. Before he turned 23 Matt hadn’t taken a single trip overseas, but since then he’s visited over 100 countries and territories, tried some crazy foods, and made lifelong friends along the way. He’s the NYT best-selling author of “How to Travel the World on $50 a Day”, and his mission is to help would-be travelers realize that they actually can travel- and they can do it all for less money than they think it’ll take. On his site, Matt teaches folks all about affordable travel, ranging from topics like how they can save money by finding affordable flights, all the way to advice on picking out a good backpack. Listen to our conversation with Nomadic Matt to be convinced that you can afford to travel! During this episode we enjoyed a Canela Oscuro by Southern Grist Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
May 24, 2021
Friday Flight - The Crypto Crash, Tapping Your Home Equity, & $1 Million to get Vaccinated #360
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: small businesses raising prices, getting vaccinated to win $1 million, cash prize-linked savings accounts, monthly child tax credit payments on the way, big bank credit cards ignoring credit scores, monitoring your credit report for free, tapping your house for cash, the best long-term investments, bitcoin blip, cryptocurrency investment scams, air travel ramping up, and avoiding airline fees. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
May 21, 2021
Will Inflation Wreck Your Finances? #359
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Price increases are making the headlines- from commodities to everyday household items, virtually everything is getting more expensive! Does that mean that inflation is spiraling out of control? This is something we haven’t had to even think about in recent years because while inflation rates in the 70s-80s topped 10%, inflation (or the Consumer Price Index) has been sitting at roughly 1.5% over the last ten years. It’s been stable and it’s also been fairly low, but it seems like things are now changing. After significant increases in recent months, it's clear that there are changes afoot, and we’re going to directly address how to keep inflation from wrecking your finances. During this episode we enjoyed a Be Easy Citra by Monday Night Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
May 19, 2021
Ask HTM - Switching from a Robo Advisor, Saving or Investing Funds for a Baby, & Does Infinite Banking Actually Work? #358
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We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo! 1 - Target date funds in my brokerage account- is this allowed and is it a good idea? 2 - How should we deposit checks from another country for our daughter? 3 - Does infinite or velocity banking work and how risky is it? 4 - Should I switch from a robo advisor like Ellevest to my own investment advisor? 5 - Plus a great car tip from a listener for keeping your headlights looking brand new! During this episode we enjoyed a Love Birds 4 by Birds Fly South! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
May 17, 2021
Friday Flight - Dollar Stores Stink, Inflation Fears, & No Gas For You #357
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: how we can be like Shaq, new home prices continue to increase, rising inflation figures, free internet, parents giving money to kids, retirement happening sooner than sooner than expected, restaurant ‘surprise bags’, bags of gasoline, automobile shortages, the best way to pay for a car, cheap dollar stores, and when the richest couple in the world split. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
May 14, 2021
Is it Dumb to Buy a House When the Market is Hot? #356
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We’re seeing one of the hottest housing markets in recent history! Bidding wars are driving up prices, homes are going under contract after just one week on the market, and mortgage rates are near historic lows. But that raises the question- is it a dumb idea to buy a home with these kinds of conditions and with the market this hot? What if this is another housing bubble? Are we going to see prices come crashing down like they did just over 12 year ago? We share our thoughts as we discuss a bunch of different reasons for residential real estate being on fire. And if you are ready to buy a home, we also cover a number of different tactics that you should implement to ensure that you get the home you want without overpaying. During this episode we enjoyed a Rhyming Numbers- thanks to Eighth State Brewing for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
May 12, 2021
Breaking Down Business & Investing with Earn Your Leisure #355
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Earn Your Leisure is a podcast hosted by Rashad Bilal and Troy Millings. On their show, they talk with guests who are earning and investing their money in all sorts of different ways- ways that a lot of folks probably don’t even know exist. Rashad and Troy give a behind-the-scenes look into different industries and highlight what makes those industries tick as well as what makes their guests successful. They describe their podcast as a “college business class mixed with pop culture” and that’s what we’re talking about today- a blending of the two together in order as we gleen our own personal finance takeaways. During this episode we enjoyed a Changes by Eighth State Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
May 10, 2021
Friday Flight - Robinhood vs Buffett, People Still Pay for AOL, & Renew Your Passport Now #354
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: naming our vans so we do a better job maintaining them, more payments for getting vaccinated, what to do with a tax refund, employers dropping college degree requirements, worker shortages, negotiating your pay or benefits, robots taking our jobs, wasting money on identity theft monitoring, is financial literacy or extra money more important, Robinhood vs Warren Buffett, more household wealth in the stock market than ever, & avoiding State Department delays by renewing your passport now. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
May 07, 2021
Is Passive Income a Myth? #353
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Just like how we can idolize ‘finding the right one’ when looking for a partner or spouse, the same can be true of passive income as we’re talking about our personal finances. We can be tempted into thinking that if we only find the right person then it’s smooth sailing. But as anyone who has been in a long-term relationship knows- the work has only just begun! The same is often true of the different passive income opportunities that we hear pitched in social media or hawked in YouTube videos. Passive income is a legit and real concept, but the way it’s often presented doesn’t include the full story, or they leave out some crucial details. There are very few sources of 100%, purely passive income and so that’s why we are dispelling the myth that there are opportunities around every corner, but have a listen because there are ways you can begin establishing your own future streams of income, today. During this episode we enjoyed a Radix by Halfway Crooks! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
May 05, 2021
Ask HTM - Crypto Savings Accounts, Buying a Home Using a Housing Stipend, & Skipping Out on Filing a Tax Return #352
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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 legit are the crypto savings accounts that are paying high rates of interest? 2 - Is it true that I don’t have to file taxes if I make below a certain income threshold? 3 - I’ve been living in a submarine, but should I purchase a home with my housing allowance from the military? 4 - As a small business owner with no employees, should I consider a Solo 401(k) or a SEP IRA? 5 - I want to get into house hacking but first how do I boost my credit score, put together a lease, and screen tenants? During this episode we enjoyed a Bumbleberry Honey Blueberry Ale by Fat Head's Brewery- thanks to Rich at Budgets and Brews podcast for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
May 03, 2021
Friday Flight - Refinancing Now, Hypnotizing Scams, & $1,000 Rental Cars #351
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: tax refunds taking longer than usual, higher capital gains are coming, losses in Robinhood, our (not-so) secret to credit card use, qualifying for credit cards with bad credit scores, student loan remorse, $1,000 rental cars, finding affordable rental cars, refinancing your home now, email scams, hypnosis scams, and robo-call scams. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Apr 30, 2021
The Temptation to Spend is Getting Real #350
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With every passing day, it seems like we’re getting closer to being able to resume our pre-pandemic lives. On a personal note, we’re really looking forward to cramming into the Benz here in Atlanta to watch some soccer. And while we’re looking for a degree of normalcy, we need to make sure that we don’t spend our way into oblivion as the economy is reopening! There’s a good chance many of us ended last year without having spent nearly as much money as we typically would have, and now we’re chomping at the bit- shopping might feel like one of the few things we can do right now. Since there is so much pent-up demand, it’ll really be easy for us to fall prey to poor spending. It’s important for us to keep that behavior in check and there are a host of alternatives for us to consider instead of making that purchase. But if we’ve decided that we have to click ‘buy’, then we have a ton of options to make sure that we’re getting the best deal possible. During this episode we enjoyed a Citrus Wheat by Rightside Brewing- thanks to our friends over at Rightside for donating this ‘near beer’ to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Apr 28, 2021
Getting a Deal on a Car Without the Headaches with LeeAnn Shattuck AKA The Car Chick #349
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Our guest today is LeeAnn Shattuck, who is also known as The Car Chick. LeeAnn is passionate about educating consumers about cars and empowering them to make informed decisions when purchasing, selling, and servicing automobiles. She is an automotive expert and is a self-professed “car nut” and a champion race car driver as LeeAnn began learning high-performance driving at the age of 8. She took her passion surrounding cars from NPR on the radio and as the host of the nationally syndicated show: America’s Garage, to the Speed Channel on television. LeeAnn has a wealth of knowledge and experience when it comes to cars that we’re excited to get into and share today. During this episode we enjoyed an American IPA by Rightside Brewing- thanks to our friends over at Rightside for donating this ‘near beer’ to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Apr 26, 2021
Friday Flight - How AI can Hurt Your Finances, Joke Cryptocurrencies, & When YOLO is a Good Thing #348
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make informed money moves. In this episode we cover some interesting and helpful stories like: free firewood or mulch, YOLO can be a good thing, more financial literacy, flawed ESG funds, staying away from joke cryptocurrencies, confessions of an overnight millionaire, best airports for flight deals, Amazon ads are everywhere, AI assessing auto accident damage, & getting the proper payout for a car accident claim. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Apr 23, 2021
Grit: The Number One Factor in Winning with Your Money #347
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What does it take to win with your money and achieve your financial goals? During this episode, we make a case that the most important factor is grit. It’s not earning six figures, or knowing the exact right investment moves to make. Though both of those are important, they’re not nearly as vital as grit. As Angela Duckworth writes, “Grit is perseverance for very long-term goals”. We begin to succeed when we truly commit to the goals that we’re pursuing. Luckily the amount of grit we possess isn’t static and there are ways for us to cultivate more grit in our lives that will allow us to get ahead with our finances. Passion, practice, and other people are just a few of the really important ways that we can develop more grit and start winning with our money. During this episode we enjoyed a Pales in Comparison by Edmund’s Oast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Apr 21, 2021
Ask HTM - Taking Time Off Work for a New Baby, Should We Get a HELOC, & Prepping for Disasters on the Cheap #346
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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’d like to take some time off work to spend time with my new baby, but what should I be considering? 2 - Am I missing out if I can’t afford to max out my Roth IRA at the beginning of the year? 3 - Is it ok to get a HELOC on our house in order to finish out a garage for the sake of the business? 4 - How can we best maximize credit card rewards while we are building our house this summer? 5 - How do I plan for disasters without breaking the bank and becoming an all-out prepper? During this episode we enjoyed a Baked Goods Blueberry Lemon Cobbler by Atlanta Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Apr 19, 2021
Friday Flight - Clutch Freebies, Housing Market Insanity, & Outdated Wardrobes #345
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It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make informed money moves. In this episode we cover some interesting and helpful stories like: moving incentives, Illinois paying off your student loans, free unlimited data with T-Mobile, free beer and national park entry, the flood of co-branded credit cards, when will the housing market crash, Marxism and index funds, outdated wardrobes, healthcare pricing transparency, & financial scams. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Apr 16, 2021
Debunking Common Tax Misconceptions #344
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There are a number of confusing things in life- for some it’s deciphering the latest Christopher Nolan film, for others it might be the process of building whatever is in that flat pack box from Ikea. But what about taxes? They can also be a puzzling topic and we also tend to have some janky tax ideas in our brains. Unfortunately, those ideas are often what we base our decisions on if we don’t have a tax professional in our life. So our goal for this episode is to clear up some more common tax misconceptions out there and to make sure that we’re all making decisions based on what’s true instead of based on a video that someone made on TikTok, or what we heard a friend say. During this episode we enjoyed a Sponch-O Villa by J Wakefield! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Apr 14, 2021
How To Think Like a Breadwinner with Jennifer Barrett #343
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Jennifer Barrett is a longtime financial journalist and she has written for publications like The New York Times, The Wall Street Journal, Money, and Newsweek. She has accomplished so much in the world of money: Jennifer has developed and hosted a popular personal finance video course on Udemy, given a TEDx talk on the importance of wealth-building, and she’s also appeared on many TV shows as well. And central to our conversation today, she also has a new book that just came out, that’s titled “Think Like a Breadwinner” which is all about empowering women who want to earn more money. This is a helpful episode for everyone out there, but especially for the working woman. During this episode we enjoyed a Das Yummy Banana Cream Pie by Oozlefinch Beers & Blending! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Apr 12, 2021
Friday Flight - WFH Might Be Ending, Bikers Beware, & Stock Market Bubbles #342
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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: DIY pest control, credit card rewards going unredeemed, a 529 plan happy accident, when low-cost is better than free, working to keep your WFH flexibility, bikers need to beware, your car’s paint color impacts resale value, stock market bubbles, and there are travel deals to be had! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Apr 09, 2021
How We Invest Our Money #341
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Here’s a saying that we’ve all heard- don’t put all your eggs in one basket. That makes a lot of sense but does it apply to investing? Is one fund enough if you’re invested in a diversified index fund? Or maybe you’re thinking- forget index funds, what about bonds? Shouldn’t I be invested in those as well? These are all questions that we’re going to address during this episode where we discuss asset allocation and how it is that we personally invest. Everyone wants to make wise investing decisions, but in an attempt to diversify we can easily become overwhelmed with the pure quantity of different investing options that are available. For example crypto, REITs, and NFTs just to name a few. Spending some time thinking about asset allocation is smart but simplicity has its advantages. Listen in as we do a deep dive on asset allocation today to put your mind at ease and help you think through what a solid diversification strategy looks like. During this episode we enjoyed a Haptic by Halfway Crooks Beer! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Apr 07, 2021
Ask HTM - Negotiating Rent, Protecting a Baby’s SSN, & WTD with Ineligible Roth IRA Contributions #340
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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 should I go about negotiating rent at my apartment with my landlord? 2 - What steps should we take in protecting our baby’s social security number and identity? 3 - In regards to retirement, how should I be thinking about income replacement? 4 - What is the absolute best way to pay my credit cards off every month? 5 - As I’m approaching the Roth IRA income limit, should I still contribute even if I might be ineligible by the end of the year? During this episode we enjoyed a Dark Side of the Strawberry Moon by Cherry Street Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Apr 05, 2021
Friday Flight - Stupid Stock Predictions, Prices on the Rise, and Getting Vaccinated #339
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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 vaccinated, PPE expenses are tax deductible, IRS phishing scams, Robinhood confetti on the way out, irrelevant stock predictions, 91k greasy pennies, inflation concerns, the top stressor for Americans, happiness and the role of money, and better browsers for privacy. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Apr 02, 2021
The Beauty of the Roth IRA (Bestie Ep) #338
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You’ve heard us say before that you should be contributing to a Roth IRA, but what exactly is a Roth?! What’s so great about a Roth and is it better than a traditional IRA? In this Bestie episode, we revisit all the many reasons we’re such huge fans and why it is that you should be investing within a Roth IRA if you qualify. And one of the key reasons we wanted to get this episode back on your radar is because you still have time to make your contributions for last year! You have until May 17th before that window closes so make sure you make your 2020 contributions now! During this episode we enjoyed a Superior BarleyLime by tripelroot - a big thanks to Heather for donating this delicious beer to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Mar 31, 2021
A College Cost-Cutting Road Map with Ron Lieber #337
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This is a must listen if you know someone preparing to go to college, or if you happen to be in that boat yourself! Our guest today is Ron Lieber who has been the Your Money columnist for the New York Times since 2008 and is a three-time winner of the Gerald Loeb Award which is financial and business journalism’s highest honor. He is the author of multiple books including the recently released “The Price You Pay for College” which is already a definitive guide to help parents and students think through important decisions when it comes to higher education. We talk through how college actually doesn’t cost quite as much as you think it does, how you can get more financial aid from the colleges you’re interested in, some of the best ways to bring down the cost overall, as well as plenty more on the topic of higher education. During this episode we enjoyed a Austerkopf by Sceptre Brewing Arts! 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.
Mar 29, 2021
Friday Flight - Shrinking Your Mortgage Payment, WTD with Expiring Travel Vouchers, & Food Freebies #336
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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: beer deals and food freebies, WTD with expiring travel vouchers, more realtors than homes, shrinking your mortgage payment, losing 10 BTC after falling for a Twitter scam, used car inflation, avoiding potholes to save money, Borrower Defense to Repayment program, and fewer universities using standardized tests on applications. 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.
Mar 26, 2021
Dissecting the Truthfulness of Common Money Phrases #335
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You can call them maxims, proverbs, or even mottos, but the most common phrases we hear tend to ingrain themselves as truth over time. If we hear something consistently enough it takes root in our psyche! Some of those sayings are about money but what if they’re not true? If we have the wrong information we could have a view of our money, of business, and even of how the world works that is entirely false! During this episode we talk about some of the most common money phrases that we hear and dissect the truthfulness of those phrases. If something we hear about money is incorrect or flawed, we need to correct our course! We want to make sure that we’re not accidentally basing our personal finance beliefs on some catchy sayings we’ve heard over the years. During this episode we enjoyed an Aliens on Moonshine by Torched Hop! 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.
Mar 24, 2021
Ask HTM - Maximizing Returns on your Savings, Networking While in Grad School, & Avoiding Capital Gains on the Sale of a House #334
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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 - Will going abroad for a graduate program hurt my ability to network and land a great job after I finish? 2 - I want to rebuild my credit score before applying for a mortgage, but I’m worried about racking up debt. What do I do? 3 - Where should I be investing my retirement funds? 4 - How do we minimize capital gains that we would receive from selling a house? 5 - What can we do to maximize what we’re earning on our savings- should we be looking to mutual funds instead? During this episode we shared a 7 Deadly Stouts by Monday Night Brewing. 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.
Mar 22, 2021
Friday Flight - Money in the Bank, Student Loan Forgiveness Taxes, & Streaming Password Sharing Clampdown Begins #333
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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: depositing cash with an online bank, the new tax filing extension, stimmy money in the bank, what you should do with those stimmy funds, waived taxes on forgiven student loans, Promise Homes helping tenants become homeowners, Airbnb taxes, Amazon limiting books to libraries, the streaming password sharing clampdown, small businesses weathering covid, lots of new small businesses launching, and how it’s time to refinance your house! 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.
Mar 19, 2021
Good Luck or Hard Work: Which Gets You More Money? #332
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How big of a role does luck play as we handle our money? Or does it only come down to our ability to work hard and advance our station by sheer will, focus, and determination? Some individuals out there might feel a little shortchanged if you don’t credit them with their good fortunes. But luck and hard work are two of the hardest ideas to dissociate but that’s what we’re doing today. A proper perspective on the role that luck and hard work play in our lives is really important for a number of reasons that we’ll discuss. And most importantly, it’ll inform us as we’re doing things like setting out to land a new job, spend money more wisely, and invest for our future. During this episode we enjoyed a SLUSHY XL Fruitmine by 450 North Brewing Company, thanks to neighbor Mark for donating this one 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.
Mar 17, 2021
Smart Tax Planning Moves with Sean Mullaney #331
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Tax season is here and so it’s time to hear from a tax professional! Sean Mullaney is a financial planner, CPA, and the president of his own company where they offer fee-only financial planning. Sean’s career path took him from getting a degree at law school, landing a job with the IRS, to working for a couple of the big 4 accounting firms, and then finally to starting his own business and building it from scratch. In addition to providing fiduciary financial advice to his clients, Sean also writes over at FiTaxGuy.com where he blogs about financial independence and taxes! During this conversation we cover financial independence, some important 2020 tax issues, and overall tax optimization. During this episode we enjoyed a SLUSHY XL Pika-Juice by 450 North Brewing Company, thanks to neighbor Mark for donating this one 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.
Mar 15, 2021
Friday Flight - More Stimmy Money, NFT Investing, & Booking Summer Travel Now #330
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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: free personal finance books from your truly, more stimulus checks, increased tax credit for kids, unemployment benefits extended, free COBRA and more health care subsidies, booking summer flights now, electric everything and affordable e-bikes, what’s up with NFTs, the rise of non-traditional “investments”, when investing in NFTs make sense for you, checking your credit report for free, and the changing landscape of credit card benefits. 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.
Mar 12, 2021
Covid’s Hard Knocks Have Exposed Our Money Deficiencies #329
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Covid, the pandemic, and lockdowns have affected just about every aspect of our lives. Wearing masks, virtual schooling, and social distancing are just a few things we’ve experienced that will likely change how we fundamentally view the world. Here on our show, of course, we’re all about personal finance and so as we approach a 1 year anniversary of the covid pandemic, the big question that we’re wondering is: has covid changed how we handle our money? In what ways have we changed how we earn, spend, save, and invest. And what happened in the past 12 months that can inform our ability to be financially successful in the future? Whether you’re better off now than a year ago or if your finances are in rough shape, there are takeaways that will help us to win with our money. During this episode we enjoyed an Abraxas by Perennial Artisan Ales. 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.
Mar 10, 2021
Ask HTM - Secured Credit Cards, Renting to a Family Member, & Cheaping Out on Insurance #328
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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 - Do I need to report rental income that I’m receiving from my daughter to the IRS? 2 - Should we stay with the insurer we know and trust or should we shop our coverage to bring down the cost? 3 - What’s the deal with secured credit cards? 4 - How should I minimize my savings in order to maximize financial aid for my college bound kids? 5 - Am I able to still contribute towards my Roth IRA for last year if I didn’t open that account until this year? During this episode we both enjoyed a Seeing Double by Anderby Brewing. 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.
Mar 08, 2021
Friday Flight - Earning More on Your Savings, Making Six Figures without a College Degree, & the Worst Place to Buy a Car #327
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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: using VaccineFinder.org to get your Covid shot, the best way to find deals at Goodwill, college enrollment falling, student loan forgiveness scams, blue collar worker shortages, making six figures without a college degree, an easy way to eliminate ads on the internet, the worst place to buy a car, earning more with bonds, expensive realtor commissions, Zestimate cash offers, and why renting is a smart move right now. 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.
Mar 05, 2021
Employer Benefits You're Missing Out On #326
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Your annual salary is not the only thing you should consider when it comes to your compensation at work- you also need to take a serious look at your other benefits. Some of them are straightforward line items on your paystub like retirement plan contributions, but others might be offered more as informal company perks like wellness classes. Hopefully you’re taking full advantage of all of those offerings. But if you’re not, realize that not utilizing those benefits to their fullest potential can be akin to leaving money on the table (and possibly even more money than you realize due to their tax advantage)! You may not be interested in every single option, but it’s at least worth doing a little digging to see what is available so that you can make the best informed decision possible when it comes to compensation. During this episode we enjoyed a Koko Buni by Creature Comforts. 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.
Mar 03, 2021
Redefining Wealth & Overcoming Money Struggles with Patrice Washington #325
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Patrice Washington is a number one best-selling author who has a unique philosophy about money that not only determines how she coaches others, but it shapes how she lives her own life as well. After her own personal struggles with money that culminated with bankruptcy where she lost everything, she has been able to work her way back to a place of financial well-being. She has been the personal finance expert on both Steve Harvey’s radio and television shows since 2014, and has appeared in dozens of media outlets like Dr. Oz and Fox & Friends. Patrice teaches folks how to handle their money in a disciplined manner, while simultaneously living a fulfilling life. She wants you to build up wealth, but she teaches you how to build it with peace and purpose as your foundation. We redefine wealth in this episode and talk about Patrice’s new book “Redefine Wealth for Yourself”. During this episode we enjoyed a Wake-n-Bake by Terrapin. 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.
Mar 01, 2021
Friday Flight - Protecting Your Tax Refund, Credit Reporting Errors, & Fake Amazon Reviews #324
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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: protecting your tax refund with Identity Protection PINs, tax filing deadlines extended for Texas, where to donate for winter storm relief, wedding industry opportunities, what to do about rising gasoline costs, affordable solar panels, how paying off your mortgage could be a bad move, how to fix credit reporting errors, & fake Amazon reviews. 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.
Feb 26, 2021
The Actual Costs of Owning a Home #323
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More (costs) than meets the eye! Housing is easily the largest budget item that we have here in the US, and so we’re dedicating an entire episode to the seemingly endless line of expenses that accompany owning a home. There are costs associated with purchasing, maintaining, and selling a home so we want to make sure you know what you’re getting into ahead of time. Many first-time homebuyers think that they are just swapping out a rent payment for a mortgage but it’s not that simple or straightforward. Owning a home will likely cost you more than you think so it’s important to start budgeting now, so you can purchase and maintain a home with a lot less stress later on. During this episode we enjoyed a Derby Juice by Anderby Brewing- thanks for donating this one to the show Aunt Sal-Sal. 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.
Feb 24, 2021
Ask HTM - Extended Car Warranties, Selling Investments to Pay Debt, & Quitting a Job without a New One Lined Up #322
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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 - Should I sell some investments in order to pay off debt? 2 - I’m in the process of refinancing my car- does it ever make sense to get an extended car warranty? 3 - How should I go about ditching a store branded credit card? 4 - What do y’all think about the fact that I’d like to leave my job before I have another offer lined up? 5 - Should I become a life insurance salesman? During this episode we both enjoyed an It’s Tiki Time! by Westbrook. 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.
Feb 22, 2021
Friday Flight - Bitcoin Credit Cards, eBike Tax Credits, & A Quirky Mortgage Payoff Strategy #321
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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: the current state of fast fashion, whether you need cell phone insurance, a cell phone coverage app to help you save, velocity banking as a mortgage payoff strategy, Ryan Lochte living paycheck to paycheck, foreclosure moratorium and mortgage forbearance extensions, a potential ebike tax credit, how minor car repairs could cost you a fortune, and Bitcoin credit cards. 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.
Feb 19, 2021
Mind Altering Effects of Simple Money Tricks #320
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Little money tricks alone won’t get us all the way to our financial goals. As we discussed recently, just a couple of bigger money moves can have more of an impact on our bottom line than a bunch of small ones. However there are some small tricks, that when paired with a new perspective, will lead to massive change over the years. So for example we’re not just talking about the $5.00 you’ll save today because you’re doing a no spend week, we’re talking about your ability to question your overall view towards consumption. We’re not just encouraging you to start saving towards retirement, we're asking you to imagine what your life might look like 40 years from now so you can truly connect with your future self! There’s not just the immediate monetary benefit, but there’s also the lasting mental benefit as well. THAT’S a powerful combo and we want you to be thinking about both aspects when it comes to your money. During this episode we enjoyed a Bound by Time by Edmund’s Oast. 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.
Feb 17, 2021
Money: The Origins of a Made Up Thing with Jacob Goldstein #319
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Jacob Goldstein is the co-host of NPR's Planet Money and his stories have aired on This American Life, All Things Considered, and Morning Edition. He lives in Brooklyn with his wife, two kids, and a small dog. Jacob has previously worked as a reporter at the Wall Street Journal and the Miami Herald- he’s written about money for the New York Times Magazine, and more recently he has published his book “Money: The True Story of a Made-Up Thing”. And during this episode we’re not only talking about the history and origins of money, but we’re going to dive into where things are today as well as the possible future of money. We run the gamut- from the birth of electrum coins in Greece to Bitcoin today. During this episode we both enjoyed a Rodenbach Classic. 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.
Feb 15, 2021
Friday Flight - The Perils of Investing Apps, Pandemic Pay Raises, & Making Millions on Fivver #318
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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: Presidents Day sales, boomers taking to online shopping, perils of investing apps, if stimulus or unemployment money is taxable, getting paid to join a covid clinical trial, skipping out on investing until you’re 40, pandemic pay raises, making millions on fiverr, open enrollment is on for the next 3 months, and some quick thoughts on Valentine’s Day. 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.
Feb 12, 2021
Should Women and Men Handle Money Differently? #317
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Whether men and women should handle their money differently is an important question to ask. There are a lot of different studies and surveys out there that show that your gender has a pretty large impact on how you earn, spend, save, and invest your money- but should it? After all money is money! And of course there are generalities made in these studies because obviously we’re all individuals and handle money in our own unique ways. But that being said, there are still things we can learn from the data about the views, tendencies, and actions of each gender in the realm of personal finance. Recognizing these things will allow us to understand others better, we’ll do a better job at raising our children to handle money well, and we might even gain a better insight of ourselves along the way. During this episode we enjoyed an On Cassette by New Anthem. 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.
Feb 10, 2021
Ask HTM - Investing w/Fundrise, Funky Life Insurance, & Expensive ESG Investing #316
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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 - Should I invest money that I’m socking away for a medium term savings goal like buying a house? 2 - Is it worth it to pay extra for ESG funds? 3 - When does it make sense to drop our term life insurance in favor of indexed universal life insurance? 4 - If I don’t have time to buy and manage a local investment property does it make sense to go with Fundrise? 5 - Am I allowed to max out my Roth IRA when I didn’t earn that much for that calendar year? During this episode we both enjoyed a Cashflow by Two Tides Brewing. 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.
Feb 08, 2021
Friday Flight - Apps that Save You Money, Buying a Car with a Credit Card, & Home Renovation Payback #315
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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: dual purpose Instant Pots, more young folks getting life insurance, internet service provider data caps, apps that cut recurring expenses to save you money, buying a car with a credit card, 0% balance transfer credit cards, net worth figures broken down by age, home renovation projects that offer the best payback, & biking through the winter. 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.
Feb 05, 2021
You Need a Credit Union in Your Life! #314
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What’s up with credit unions?! We often suggest them here on the show but we’ve never fully explained what credit unions are and why it is that you need one in your life- it’s time to remedy that problem! We dive into the history of credit unions and why we think there is a fair amount of confusion around them. Are they even legit? There are some serious advantages and so we dive into why it is that credit unions are excellent institutions and how it is that you should utilize their offerings. But we’re also telling the full story and we explain why you shouldn’t be ditching your online bank- credit unions are great, but they’re not perfect. During this episode we shared a Bianca Peanut Butter and Jelly Lassi Gose by Omnipollo. 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.
Feb 03, 2021
Be Happier & More Productive Working from Home with Laura Vanderkam #313
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Who has been spending more time working from home?! ✋ We’re going to dive into how WFH can make us happier and more productive, and joining us for this conversation is Laura Vanderkam. Laura is the author of several time management and productivity books, including Juliet’s School of Possibilities, Off The Clock, and The New Corner Office. Her work has appeared in publications including the New York Times, the Wall Street Journal, Fast Company, and Fortune. She is the host of the podcast Before Breakfast and co-hosts the podcast Best of Both Worlds. She lives outside Philadelphia with her husband and five children, and she’s also a friend of ours who we had on the show a couple of years ago when we talked about valuing our limited time. During this episode we enjoyed a Science and Sorcery by Equilibrium Brewery. 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.
Feb 01, 2021
Friday Flight - TVs Spying On Us, Student Loan Freeze Extension, & GameStop Won’t Stop #312
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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: working out at home on the cheap, student loan payment freeze extension, students appealing their financial aid package, stimulus prepaid debit cards, GameStop and FOMO, Ludacris and his Benz, watching the Super Bowl for free, our TVs are watching us, avoiding Ticketmaster, and Airbnb bans. 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.
Jan 29, 2021
Fending Off Financial FOMO #311
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The fear of missing out- we’ve all experienced that emotion before! Whether some friends are getting together but you’re stuck finishing up a project, or maybe you haven’t been able to get your hands on the latest gaming console (or craft beer!). Well, FOMO has an ability to work its way into many different aspects of our lives, including our financial lives as well. You might feel some serious FOMO seeing individual stocks like Tesla skyrocket this past year while you are investing in plain old index funds. Or maybe with mortgage rates being at all-time lows, you feel like you are the only person in your peer group not buying a house right now. And you don’t want to miss out! This episode is about how to deal with and fend off FOMO so that we don’t make moves that mess up our ultimate goals due to distractions in the world around us. During this episode we shared a Daaank Daniel by Heist Brewery in Charlotte NC. 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.
Jan 27, 2021
Ask HTM - Are We Ready to Buy a House, Joint Brokerage Account Benefits, and Travel Rewards or Cashback Credit Cards #310
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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 - Should we continue renting or are we ready to purchase a home? 2 - Are there benefits of a joint brokerage investment account if we’re not married? 3 - What should I consider as I’m choosing between a cashback or travel rewards credit card? 4 - How do I keep my bank from selling my mortgage to another loan servicer? 5 - Should I be placing riskier investments in different types of investment accounts? During this episode we shared an Ancient Feelings by Heist Brewery out of Charlotte NC. 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.
Jan 25, 2021
Friday Flight - Free Tax Filing, Astronomical Food Delivery Fees & Awful Financial Advice on TikTok #309
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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: crazy low mortgage rates, free tax filing, payment app security issues, getting credit card annual fees waived, awful financial advice on TikTok, astronomical food delivery fees, smart grocery carts, states that everyone is moving to, and the states with the highest credit scores. 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.
Jan 22, 2021
The Real Reason to Avoid Debt #308
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Just a few years before he died, author David Foster Wallace gave a now-famous commencement speech at Kenyon College. Here’s a small snippet of what he said. “There are these two young fish swimming along and they happen to meet an older fish swimming the other way, who nods at them and says ‘Morning, boys. How's the water?’ And the two young fish swim on for a bit, and then eventually one of them looks over at the other and goes ‘What the hell is water?’” Wallace then went on to argue that we tend to live our lives according to values and rules that are hard to see. Similarly, we live in a culture that pushes us to go into debt for everything! It’s the message we are constantly bombarded with - it’s the water we swim in. So on today’s episode we’re going to push back on that line of thought and give the real reasons we should all be striving to avoid debt. During this episode we both enjoyed a EMO-J by Heist Brewery in Charlotte NC. 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.
Jan 20, 2021
Practical Money Hacks with Lisa Rowan #307
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Lisa Rowan is a staff writer at Forbes Advisor, where she covers banking and personal finance and she was previously a staff writer at Lifehacker’s “Two Cents” covering personal finance. Prior to that, she was a senior writer and on-air analyst at The Penny Hoarder, where she launched the “Dear Penny” advice column syndicated by The Tampa Bay Times. Her work has appeared in The Washington Post, CityLab, and many other publications. Now she has recently published her book- Money Hacks: 275+ Ways to Decrease Spending, Increase Savings, and Make Your Money Work for You! We’re excited for you to hear this extremely practical personal finance conversation today! During this episode we enjoyed a Condensation Accumulation by Heist Brewing. 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.
Jan 18, 2021
Friday Flight - Getting Paid to Vaccinate, Generous Return Policies, & the Best Jobs Paying Over $100k #306
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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.
Jan 15, 2021
Big Money Moves You’re Probably Overlooking #305
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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.
Jan 13, 2021
Ask HTM - Paying Your Mortgage with a Credit Card, Where to Put Baby Money, Buying and Selling a Car with Carvana #304
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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? 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.
Jan 11, 2021
Friday Flight - Life w/o Amazon, New Data Saying Roths Stink, & Taking a Sabbatical #303
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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. 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.
Jan 08, 2021
The 7 Money Gears: When, to do What, with your Money #302
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“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.
Jan 06, 2021
The Power of Habit with Charles Duhigg #301
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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.
Jan 04, 2021
Friday Flight - The New Relief Bill, 2021 Predictions, and Getting Paid in Bitcoin #300
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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. 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.
Jan 01, 2021
Money Jubilee: Celebrating Listener Money Wins in 2020 #299
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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.
Dec 30, 2020
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
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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.
Dec 28, 2020
Debt Snowball vs. Debt Avalanche Approach To Paying Down Debt (Bestie) #297
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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.
Dec 25, 2020
Cultivating a Healthy View of Work (Bestie Ep) #296
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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! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com See omnystudio.com/listener for privacy information.
Dec 23, 2020
The Power of Knowing Yourself with Rachel Cruze #295
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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.
Dec 21, 2020
Friday Flight - Important Investing Deadlines, Appliance Shortages, and Privacy Labels #294
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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.
Dec 18, 2020
Conducting A Personal Year-End Money Review #293
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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.
Dec 16, 2020
Ask HTM - Putting More Expenses on Credit Cards, the Sweet Spot on a Home Refinance, and WTD with an Extra $5000 #292
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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.
Dec 14, 2020
Friday Flight - Virtual Job Interviews, WFH in Hawaii, & Zoom Santas Making Bank #291
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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. 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.
Dec 11, 2020
Enjoying the Holidays without Spending a Dime #290
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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.
Dec 09, 2020
Negotiating a Fatter Paycheck in Uncertain Times with Rich Jones #289
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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.
Dec 07, 2020
Friday Flight - Bitcoin Blowing Up, Cars That Hold Their Value, and Christmas Trees- so hot right now! #288
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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. 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.
Dec 04, 2020
Do I Need a Perfect Credit Score? #287
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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.
Dec 02, 2020
Ask HTM - Putting Down Less than 20 Percent on a Home, Swapping a Used Car for a Used Truck, and Investing Beyond a 401k #286
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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 - Is it OK to put down less than 20% on a home if we can avoid PMI? 2 - Where else should I invest if I’m already maxing out my 401k? 3 - Are there investment platforms that non-US citizens can use to invest in the stock market? 4 - Will my teacher’s pension be enough when I retire at 53? 5 - Should we swap out our Hyundai for a pickup truck? During this episode we both enjoyed a Photon Sphere by Olde Hickory 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.
Nov 30, 2020
Friday Flight - Student Loans in 2021, More Discount Medication Options, & Zillow Surfing #285
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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 and helpful stories like Amazon Pharmacy and other discount medication options, the most reliable car brands, & Zillow surfing. And then we also talk with Travis Hornsby of Student Loan Planner to discuss the future of student loans in 2021 with the forbearance period soon drawing to a close. 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.
Nov 27, 2020
What's More Important: Earning More or Spending Less? #284
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You only have two options when it comes to saving more money- you can either earn more or you can spend less. But which of these is more important? Depending on your personality, you might find it easier to focus on making more money without too much concern for being frugal. And other listeners are all about more tips to live frugally, but they rarely give much thought to how they can increase their earnings in the coming years. Which side of the fence are you on? In this episode we discuss the importance of both of these areas in our financial lives. We also cover the downsides that must be highlighted when you’re looking to earn more and when you’re spending less. During this episode we enjoyed a Bad Bunny Pie by Tripping Animals! 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.
Nov 25, 2020
Pursuing Entrepreneurship & Avoiding Legal Mishaps with Kae Gruner #283
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Starting a business is exciting- it doesn’t have to cost a lot of money, it can be incredibly fulfilling, and you could make some good money while you’re at it! BUT, you want to make sure that you’re going about things in the correct way. You want to make sure that you’re going about things legally! Our guest today is Kae Gruner who is an entrepreneur and intellectual property lawyer, so she’s the perfect guest for this topic. She’s the founder of Start Up Heart Up which exists to bring entrepreneurship to everyone through DIY tools, education, and empowerment. With this episode we’re making sure that your side hustle gets through those awkward, middle school years and that you’re able to transform it into a legit money making business. During this episode we enjoyed a Major Decisions by Mikkeller 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.
Nov 23, 2020
Friday Flight - Cutting Health Insurance Costs, Overpaying at the Pump, and the Cheapest Thanksgiving Sides #282
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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 and helpful stories like overpaying for gas at the pump, free covid tests, open enrollment and affordable health coverage and health insurance alternatives, Tesla in the S&P 500, popular sides at Thanksgiving, grocery store restrictions, virtual real estate closings, instant paycheck access, and new business applications are through the roof. 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.
Nov 20, 2020
Giving Away Money Will Make You Richer #281
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This show exists to make sure that you know the best ways to earn, save, and invest your money so that ultimately you’re in a great financial position down the road. And a part of that journey towards financial independence includes making sure that you have the right attitudes towards money and that you’re not only looking to your own desires, but that you’re looking to the needs of others as well. This is why giving away money is such an important practice to begin implementing ASAP. It’s not a principle or stage of enlightenment that you might reach someday. Rather it’s like working out- the earlier in life you get started, the better off you’re going to be in the long run. Listen to the different reasons we should be giving away our money, how to vet charities, and how to actually go about implementing giving into our personal finance. During this episode we enjoyed a Party Cup by North Park Beer Co - thanks to Craig 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.
Nov 18, 2020
Ask HTM – Financial Coach Accreditation, Hiring a Personal Car Shopper, & Reduced HSA Tax Benefits #280
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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 thinking about hiring a personal car shopper- is this a good idea? 2 - Do you have any budgeting and side hustle ideas for someone overseas on a work visa? 3 - What does the cost basis method mean for my investments? 4 - I’d like to become a financial coach- what accreditation should I consider? 5 - Should I tap a 401k and take advantage of the provision in the CARES Act? During this episode we both enjoyed an Apparitional Disintegration by Burial! 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.
Nov 16, 2020
Friday Flight - Contactless Payments, Employer Assisted Savings, & BOGO Flights #279
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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 and helpful stories like fake high interest banks, election and vaccine impacts on the stock market, BOGO flight deals, disinfecting your credit cards and going contactless with mobile wallets, sneaking treats into a movie theatre, employer assisted savings programs, and cutting a car from your life! 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.
Nov 13, 2020
A Practical Guide to Surviving Black Friday #278
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Even though there are likely going to be fewer individuals actually going shopping in person the Friday after Thanksgiving this year, Black Friday is still a majorly important time for deals. These days Black Friday has transcended time and place- it includes multiple days and even an entire season of scoring really low prices on gifts. This can provide some relief to our bank accounts as we search for gifts for friends and family for less than we can normally get these things the rest of the year. But on the flip side of the coin, this time of year can really strain our personal finances. There’s the temptation to overspend and consume more than we need to and because of this, many American’s end up with boatloads of debt come January. There are a number of different problems that arise during this consumption-driven time of year. In this episode we highlight some of these ‘Black Friday Foibles’, why they’re a big deal, and then we discuss what to do about them. During this episode we enjoyed a Caliente Aqui by Tripping Animals! 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.
Nov 11, 2020
Blue Collar Work Can Generate More Wealth with Ken Rusk #277
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For this episode we are joined by Ken Rusk to talk about the skilled trades. Ken specializes in mentoring and has coached hundreds of young people in goal setting, life visualization, career paths, and sound financial planning. He is passionate about helping folks achieve their dreams regardless of their educational background. And now with his recently published book- “Blue Collar Cash”, Ken explains that blue-collar trades are a source of pride and how you can find your version of happiness by pursuing a good old-fashioned craft. Our economy is in desperate need of skilled tradespeople so listen as we talk with Ken about this massive opportunity. During this episode we enjoyed a Rhymes with Purple by Bhramari 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.
Nov 09, 2020
Friday Flight - Open Enrollment, Creditors in your DMs, & Falling Rents #276
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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 and helpful stories like falling rents and how to pay less for your apartment, investing within an HSA, debt collection agencies using social media, new stimulus check scams, WFH leading to overwork, giving babies credit cards, the best 529 plans for 2020, and the generation who owes the most in student loans. 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.
Nov 06, 2020
Overcoming Common Financial Mistakes #275
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We all make the occasional money mistake. Some missteps are small and the impact they have is a tiny blip on our radar. Other money mistakes can be like an albatross weighing us down for years to come. But whether our mistake is more of a bump in the road or if we’ve made a mistake that will impact us for a long time, it’s important to learn how to overcome these mistakes so we can move on and start kicking butt with our money again. In this episode we cover some common mistakes we make, why we make them, and then how we can pivot to handling money well in those circumstances. And then aside from specific mistakes, broadly speaking there are some important steps to take that will allow us to move forward more quickly when we’ve made an error with our money. This is a great episode for anyone who has ever had some money regrets! During this episode we enjoyed a Hydrus Double IPA by Two Tides 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.
Nov 04, 2020
Ask HTM - Money Saving Utility Trackers, Authorized User Status Hurting Your Credit, & Moving Money from a Retirement Account to Real Estate #274
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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 smart devices and software should I consider in order to save more money on my utilities? 2 - As a single female, how can I mitigate any risk if I’d like to Airbnb an extra bedroom? 3 - Should I pull some money out of my 401k in order to invest in real estate? 4 - How did becoming an authorized user on my mom’s credit card hurt my credit score? 5 - Where is the best place for my 7 year old’s savings? During this episode we both enjoyed a Where's My Cellphone by Two Tides 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.
Nov 02, 2020
Friday Flight - Credit Scores Rising, Easy Small Dollar Loans, & Shake-ups in Streaming #273
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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 and helpful stories like the uptick of biking in cities not known for biking, protecting your bike, traffic fatalities and how we perceive risk, streaming content shake-ups, avoiding the trap of becoming a payment buyer, misleading GDP numbers, increasing credit scores and free credit reports every week, 2021 IRS retirement contribution guidelines, and small dollar loans or emergency funds. 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.
Oct 30, 2020
Entrepreneurship vs Working for the Man #272
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Should you work for the man or work for yourself!? There’s a lot to consider when asking yourself that question and there’s certainly not a one size fits all answer. At the same time, it seems that entrepreneurship has been put on a bit of a pedestal in our society causing it to be inaccurately represented. And this question is even more relevant given the high levels of unemployment plaguing our country right now. A lot of folks have been laid off or furloughed while other sectors are doing really well- there are a lot of factors to consider. There are meaningful tradeoffs depending on the choice you make, so during this episode we’ll cover some of the important things you should consider as you think about your future career. We’re here to help you to decide whether or not you should be starting your own business or whether you’re better off in a traditional nine to five! During this episode we enjoyed a Realities by Dssolver! 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.
Oct 28, 2020
Online Privacy, Creepy Social Media, & Cyber Security with Carole Theriault #271
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Chances are that you bought something recently, or maybe you paid a friend- but you likely didn’t do that with physical cash, you probably did it via a digital payment online or with an app like Venmo or the Cash app. Everything is going digital these days and this presents a whole host of issues: we know how to keep people from stealing money out of our wallets and purses, but what about the money we have in our accounts online? Our guest today is Carole Theriault and she knows a thing or two about internet security. Carole founded the Sophos Naked Security site years ago and now co-hosts the podcast “Smashing Security”. She lives and breathes cybersecurity and we are so glad she’s with us today to talk about protecting our identity and ultimately, our money! During this episode we enjoyed a Duh! Snake Blood by Dssolvr. 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.
Oct 26, 2020
Friday Flight - Used Cars Cost More, Women Exiting the Workforce, & Eating Elephant Ears #270
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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 and helpful stories like eating elephant ears, affordable solar power, booming used car sales, women exiting the workforce, how we can support our local restaurants, working from home expenses, and finding a 4% savings interest rate! 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.
Oct 23, 2020
Managing Rental Properties Effectively #269
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When either of us are talking with someone and the conversation shifts to the fact that we own rental properties, there’s always the assumption: “It must be a huge pain to deal with maintenance issues!” or “I bet you’ve had some nightmare tenants!”. But in reality that hasn’t at all been our experience even though there are horror stories and personal anecdotes out there. We want potential investors to know that there are steps you can take to ensure that you’ll have a positive experience investing in real estate and managing properties, while simultaneously making money every month and building wealth. We even discuss property managers and when hiring one could make sense. If you’ve thought that you’ll never own rental properties because they sound like too much work, then this episode is for you! During this episode we enjoyed a POG Basement IPA by Scofflaw 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.
Oct 21, 2020
Ask HTM - Rounding Up Investment Apps, Buying Property to Build Wealth, and Account Closure Effects on Credit Scores #268
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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 - Should I pay points on a mortgage to get a lower rate? 2 - What kind of impact will closing some credit cards have on my credit score? 3 - Being a recent divorcee, what should be my financial priorities? 4 - Do you guys recommend any investing apps that round up purchases? 5 - Should I buy real estate in order to build wealth? During this episode we both enjoyed a Swoon Units by Fonta Flora! 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.
Oct 19, 2020
Friday Flight - PPP Loan Forgiveness, Where the Jobs Are, & Bacon Masks #267
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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 and helpful stories like a great way to support your local indie bookstore, an easier path to PPP loan forgiveness, scams on Venmo and Cash Apps, and we wonder if realtors are paid too much. After all of that we talk about free bacon masks, what to do with your frequent flier miles, industries that are hiring, and negotiating a severance package. 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.
Oct 16, 2020
Avoiding the Trap of Planned Obsolescence #266
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“They don’t make them like they used to!” Even though that’s something you might hear a parent or grandparent say, there is some truth to the phrase. Unfortunately, there are a lot of products out there that fail prematurely, and it causes us to spend more of our hard earned money. Planned obsolescence is a concept that we’ve heard as consumers, but what does it actually mean? And is all planned obsolescence a terrible thing? In this episode we cover many examples of it, including the notorious sector of consumer electronics. But then we also dive into how we can do our best to avoid spending more money, due to planned obsolescence. During this episode we enjoyed a Juicy IPA by Squatters Craft Beer- thanks Sam! 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.
Oct 14, 2020
The Psychology of Money with Morgan Housel #265
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Morgan Housel has a degree in economics and started writing about money and investing 13 years ago. He's a partner at The Collaborative Fund which is a venture capital firm that invests in companies that are trying to make the world a better place. Morgan is also a former columnist at The Motley Fool and the Wall Street Journal but his work has also been published in Time, USA Today, Business Insider. He's truly an expert on behavioral finance and he recently published his book, "The Psychology of Money: Timeless lessons on wealth, greed, and happiness." This episode is all about the behavioral aspects of our money, because as Morgan explains- there is a massive gap between knowing the right things to do with our money, and doing the right things with our money. During this episode we enjoyed a Polygamy Porter by Wasatch Brewery- thanks to Sam for donating this one to the podcast! 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.
Oct 12, 2020
Friday Flight - Socially Responsible Investing, Bad Credit Cards, & Finding (literal) Diamonds #264
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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 and helpful stories like where you can find a literal diamond in the rough, some updates on a new stimulus bill, as well as an update to the original stimulus check, the effects of the election on investing, bad credit cards to stay away from, and our thoughts on the types of spending that will resume after we’re finished with ‘rona. After all of that, we have a chance to talk with Lindsey Bell of Ally Invest about social responsible investing- it’s something we’re doing more of these days and Lindsey explains why it really makes a lot sense! You can find out more at Ally.com/HowToMoney. 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.
Oct 09, 2020
Developing a Home Buying Strategy #263
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How should you approach purchasing a home? With more millennials buying a home for the first time ever, there is a ton of room for mistakes. And there is a lot on the line as well- the average price of a new home now exceeds $300k, so there are a lot of things to consider in order to make a wise purchase! At the same time, mortgage interest rates are at all-time lows. That creates a feeling like you have to move quickly before those rates start to creep back up. But if you move too quickly, you could end up overpaying for that house or not considering the bigger financial impact. We’re going to answer some questions like ‘Does renting make more sense?’, ‘What’s the purpose of this house?’, and ‘What’s your timeline?’. This episode is all about what it looks like to have a solid home buying strategy in place, so that you make a smart buy. During this episode we enjoyed a La Bonte with Figs by Wicked Weed! 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.
Oct 07, 2020
Ask HTM – Investing During an Election, Buying a Home with an FHA Loan, & Paying for a Masters Degree #262
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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 - Getting a 2% loan via M1 Borrow looks too good to pass up- what do you guys think? 2 - Should I consider a small student loan in order to finish up my masters degree? 3 - How should the upcoming election affect how I invest? And what’s a frugal approach to podcasting equipment? 4 - My employer’s 401k match varies, so should I contribute to my own Roth IRA or maximize my company’s profit sharing? 5 - Should I consider buying a house with an FHA loan? During this episode we both enjoyed a Deftones Swerve City POG IPA by Belching Beaver- thanks for donating this one Brent! 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.
Oct 05, 2020
Friday Flight - EV Breakthroughs, Early Retirement Downsides, and Pricey Dumbbells #261
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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 and helpful stories like the high costs of exercise equipment, bans on new gasoline vehicles, electric vehicle technology breakthroughs, Google paying off student loans, and filling out the FAFSA ASAP. After all of that we discuss the effects of Prime Day and then we have an entire conversation on early retirement- how we feel about financial independence, the impact of retirement on the brain, and then what to do as you work towards retirement including some savings goals. 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.
Oct 02, 2020
7 Ways to Save More Money This Week #260
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It’s time for us to get super practical today! A lot of the different topics we cover on the show sometimes have to do with mindset shifts, or if they are a little more tangible, they’re going to be bigger lifts- and these higher impact money moves often take longer than a week to accomplish. So if you’re looking to increase your cash on hand immediately, this episode is for you. Some of the things we’ll discuss will pay dividends even beyond just this week, but if you tackle one of these tasks each per day in the coming week, you’ll save a decent chunk of change! Let’s immediately improve your financial situation! During this episode we enjoyed a Dad Jokes by Morgan Territory, thanks Brent for donating this one to the pod! 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.
Sep 30, 2020
From Homeless to Debt Free with Anthony ONeal #259
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Anthony ONeal has helped hundreds of thousands of people make smart decisions with their money, relationships, and education. He’s a #1 national bestselling author of Debt-Free Degree and The Graduate Survival Guide. Anthony travels the country spreading his encouraging message to help teens and young adults start their lives off right and people of all ages succeed with money. A part of that message is the ability to pursue passions while living a well-balanced life so we’re excited for listeners to hear Anthony’s story as well as how college students and young adults can avoid the crippling effects of debt. During this episode we enjoyed a Coastal Sunshine by Humble Forager! 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.
Sep 28, 2020
Friday Flight - Rates for Savers Sink Lower, Housing is Hot, and Saving Halloween #258
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