How to Money (iHeartPodcasts)

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!

See omnystudio.com/listener for privacy information.

We talk a lot about investing- whether that be in the stock market, in real estate, or in bitcoin (JK don’t ever do that)! But it’s not often that we discuss investing in ourselves- our personal capital is one of the greatest assets we have! The power to grow our income based on our unique skills is crucial as we develop personally and professionally. While many folks stop growing their knowledge and experience once they receive that diploma, challenging ourselves to grow in these areas can have a massive payoff down the road.

During this episode we enjoyed a Whiskey Peach Cider by Western Cider Co- another big thanks to Rae in Missoula for donating to the show this week! 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- we’d love to hear from you.

Best friends out!

See omnystudio.com/listener for privacy information.

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!

See omnystudio.com/listener for privacy information.

Today’s episode offers a peek into what your favorite personal finance podcast might be like, if only it was hosted by two ladies! Jen Smith and Jill Sirianni are hosts of the Frugal Friends podcast which is all about embracing a more intentional and frugal lifestyle… but not THAT kind of frugal. They challenge the idea that frugality is about deprivation and instead highlight how it can empower you to achieve financial independence while living a life filled with joy and purpose. Jen and Jill drive this point home in their new book, Buy What You Love Without Going Broke, which is exactly what we’re talking about today- spending money! We cover the ways that we’re doing it wrong, how to spend money in a healthy values-driven way, and strategies to support those new habits!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 

• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.

• Join a thriving community of fellow money in the HTM Facebook group.

• Find the best credit card for you with our new credit card tool!

• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed a Ten Fidy 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!

See omnystudio.com/listener for privacy information.

Let's talk about lesser known credit card benefits! Did you know that with a credit card you might already use, you have access to $600 worth of cell phone insurance that is already baked into the card? Or that some credit cards will reimburse you up to $500 if something you purchased drops in price and you make a claim within 90 days? There are countless hidden benefits that credit cards offer- and you need to know they even exist before you can benefit from them so be sure to have a listen!

And at the beginning of this episode we enjoyed a Thunder Thief by Atlanta Brewing Company (formerly Red Brick Brewing) which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts!

For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out!

See omnystudio.com/listener for privacy information.

Sitting on your butt is killing you! According to the Heart Foundation, folks who sit the most are 90% more susceptible to dying from cardiovascular events like heart attacks and strokes. And while taking a load off and having a seat isn’t going to immediately harm you, the accumulation of years and decades of a more sedentary lifestyle could lead to an earlier death! And we feel similarly when it comes to consumer debt. Paying a little interest this month isn’t going to completely wreck your financial future, but it’s a real problem if it becomes a permanent fixture in your life. Not to mention the fact that credit card interest rates are rising and millions of Americans made their holiday purchases with money they don’t have. Listen as we discuss the straightforward steps to create a foolproof plan, where we land on the debt snowball vs debt avalanche approach, as well as some additional helpful tips that will allow you to ditch debt for good.

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed a Perpetual Composition 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!

See omnystudio.com/listener for privacy information.

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!

See omnystudio.com/listener for privacy information.

This week on the pod we’re answering your questions! 1 - Is it OK to buy a new car if I’m going to keep it for 15 years? 2 - What receipts should I keep for tax purposes on the portion of my duplex I’m renting? 3 - What were y’all taught and what should I be teaching my kid about money? 4 - As a higher earner, is there any tax benefit to contributing to my IRA when I’m already covered by a retirement plan at work? 5 - Where should I consider opening a small business account for my new business?

And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask

During this episode we enjoyed an Okie by Prairie Artisan Ales- a big thanks to our friend Abe here in Atlanta for donating this 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- we’d love to hear from you.

Best friends out!

See omnystudio.com/listener for privacy information.

“Solve a problem for people in an interesting way” and “There’s not one way to do business”... those are just a couple quotes from our conversation with Jason Zook. Our goal for this episode is for you to finish listening, and to be completely inspired to start your own small business. Unfortunately, there can be this aura around starting an “official business” that keeps creative individuals who have great ideas from pursuing something that is going to light them up and prove to be successful. Sure, getting an MBA might be the best path to take for a certain subset, but there are a lot of folks who might be better served by just going for it, and figuring it out along the way! And here to talk about that is Jason, an entrepreneur who takes a very unconventional approach to business formation. He and his wife currently run Wandering Aimfully, which is a platform that seeks to help creative entrepreneurs build successful, sustainable businesses that fit with their lifestyle, all while avoiding the burnout that tends to come with hustle culture. Listen as wee discuss everything from Jason auctioning his last name, creating ‘calm’ businesses, to living abroad in Portugal and more!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Na Chouffe by Brasserie Chouffe! 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.

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: the IRS backlog continues, free goods from Amazon, bullwhip effect leading to sales on the horizon, imposter syndrome taking a bite out of your wallet, salary transparency on the rise, the role of gig work in your financial life, zoomers are all about that cash, the best hysa interest rate, rising interest rates hurting your house purchasing power, rental bidding wars, & costly cookouts.

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.

Cults are fascinating. The amount of gaslighting and denial of reality that takes place in order to perpetuate the movement is simply mind boggling. And one of the most interesting parts is to see interviews with the folks who finally got out. For years they couldn’t see clearly as they were essentially brainwashed, but now they look back on everything they experienced in a completely different light. When you’re in the midst of something so enveloping and all-consuming it can be difficult to know your right from your left, to know the difference between truth and lies. And similarly it can be difficult to discern the magnitude and scope of the impact of something like a global pandemic on our lives until some time has passed. But now that we had a few years between us and lockdowns, we wanted to discuss the specific ways in which Covid 19 has jolted personal finance and how we should respond to those changes.

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed a Mango Funk Yoself by Meddlesome Brewing- thanks Ben & Rachael 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!

See omnystudio.com/listener for privacy information.

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!

See omnystudio.com/listener for privacy information.

How much are you paying to invest in your 401k or IRA? You might see fees as an unavoidable cost of investing, but even a 1% fee could easily cost you more than a half million dollars over your investing lifetime. Fees not only erode how much money you have to invest now, but they lessen the amount of money that is compounding in your account year after year- the impact is twofold! Listen as we discuss the different types of fees, how to look for them, and then where to go in order to avoid fees altogether.

During this episode we both enjoyed a Bent De Garde by Braindead Brewing which you can find on Untappd. A big thanks to Jerrod and our friends out there in Dallas for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

See omnystudio.com/listener for privacy information.

Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!

1 - Should I use a 529 account to fund some immediate private education costs that we have?

2 - Why doesn’t Chase allow me to use my credit card to pay off a Buy Now Pay Later purchase?

3 - Do you guys follow the 2 funds for life approach to investing?

4 - How should I discuss a penalty my tenants are incurring for breaking their lease early?

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Hand Warmers by Carton Brewing – a big thanks to Michael G 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!

See omnystudio.com/listener for privacy information.

We’ve all made some financial mistakes, but hopefully through reading, listening to podcasts, and learning from our previous mistakes, we can move forward and make smarter moves with our money. That’s what we’re covering during this interview. Our guest today is Jill Schlesinger who is an on-air CBS News Business Analyst who covers the economy as she guides people through their personal financial decisions. Jill is a Certified Financial Planner and also the author of the book "The Dumb Things Smart People do with Their Money". In this interview we spend some time talking about a lot of those dumb things, and we also dive into how Jill got her start in all things money.

During this interview we enjoyed a Wedge Salad by Green Bench Brewing that we picked up on a recent ‘work’ bike ride! 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!

See omnystudio.com/listener for privacy information.

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: signing up to be a squid game contestant, why it’s good news to officially enter a bear market, auto-enrolling leading to financial independence, the simple path to wealth, the end of millennial subsidies, a Bitcoin academy in public housing, what terrible crypto performance means for your portfolio, high earners living paycheck to paycheck, more medical bill price transparency, & finding drug 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!

See omnystudio.com/listener for privacy information.

Friday Flight episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to come out on the other side even stronger. In this episode we cover some interesting topics like the increase in bike sales, an employer selling a corporate office, and executive order stimulus bill confusion. After all of that we cover traveling again, getting refunds due to cancelled flights, and the decline of household debt during the pandemic!

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!

See omnystudio.com/listener for privacy information.

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!

See omnystudio.com/listener for privacy information.

Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!

1 - How do I increase my 401k contributions by the same percentage of the raise I just received?

2 - Where should I open a brokerage account for my single stocks that I trade fo the dopamine hit?

3 - My CD is about to mature – what should I do with that $75,000?

4 - Will paying down my mortgage or making home improvements give me a bigger ROI?

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Super Megabite by Hop Butcher for the World! 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.

Vending machines are the future! That’s what Mr. Passive says, and by the way, we’re not talking about your grandpa’s vending machines full of chips and Cokes. Instead, think of eggs, some olive oil, whatever items you might be looking for in a pinch. We’re joined by Mike Hoffmann who is better known as Mr. Passive, and he is on a mission to teach folks how to generate passive sources of income with minimal hands-on effort. Just imagine… automatic recurring deposits just showing up in your inbox… that’s the dream! But of course it does take some work. Listen as we discuss how much time it takes, how Mike became a vendingpreneur, how the newest vending machines work, how much they cost, the best locations for vending machines, how much you can make, and more!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Ghost Prime by Parish 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.

Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!

1 - As I’m mapping out my financial future, what kind of returns should I expect from the stock market?

2 - Do I actually need life insurance if I don’t have a partner or kids?

3 - Should I pay off a debt or invest that money if the rate of return is the same on both?

4 - Is day trading a career choice that I should consider?

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Color Decay by Piedmont 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!

See omnystudio.com/listener for privacy information.

We’re talking all about how you can make some positive money changes in your life! And we can think of no better guest to have on the show than Katy Milkman, author of How to Change: The Science of Getting from Where You Are to Where You Want to Be. Katy is a professor at The Wharton School of the University of Pennsylvania where she explores ways that insights from economics and psychology can be harnessed to change consequential behaviors for good, such as exercise and vaccination, but also behaviors like saving more money which is a topic we’re very interested in. She’s advised organizations ranging from the White House to 24 Hr Fitness, her op-eds appear in publications like the New York Times and the Economist, & we’re excited to be discussing making money changes that stick today!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed a Hefeweiz Guy by Mutation 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.

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!

See omnystudio.com/listener for privacy information.

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!

See omnystudio.com/listener for privacy information.

You don’t have to be a millionaire to be a successful real estate investor. Chad Carson, our $Pro this week, is here to explain how even a small, effective real estate portfolio can lead to reaching your financial goals in a short period of time. He illustrates this with an example of a couple reaching financial independence with only five properties, not hundreds! Having greater financial freedom and flexibility with your time will be the natural outcome of focusing on your goals, and carefully investing in real estate can take you there.

During this episode we enjoyed a Primordial Noir by Cascade Brewing which you can find and learn all about on Untappd. A massive thanks for Alex in Oregon for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

See omnystudio.com/listener for privacy information.

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!

See omnystudio.com/listener for privacy information.

Today’s episode is all about getting out of debt as we talk with our new friend George Kamel! And it’s a good time to have this discussion as well since consumer debt, in particular credit card debt, has been on a tear over the past several years- we’re over the $1 trillion mark folks! And we’re lucky to be joined by George because not only has he personally climbed from a negative net worth himself, but he’s also a personal finance expert at Ramsey Solutions! George co-hosts the Ramsey Show as well as the Smart Money Happy Hour podcast in addition to over 16 million views on his YouTube channel. And to prove that he knows how to rock more than a microphone, George has a new book “Breaking Free From Broke” that came out earlier this month. We’re excited to get to know George and his story, how he got started at Ramsey, the normalization of debt, keeping tabs on lifestyle creep, his biggest wealth hack, and plenty more during this episode.

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

And we actually recorded this episode early in the morning, so no beers today! 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.

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!

See omnystudio.com/listener for privacy information.

Conventional wisdom tells us that getting out of debt is smart. And while generally that might be true, we're here to explain how that approach may not be the best decision for you! Oftentimes keeping low-interest debt around while you're able to invest and maximize your returns elsewhere will easily make the most sense when you're looking at the numbers. In this episode we cover the characteristics of good debt and bad debt, and then we talk through some helpful pointers on how to manage your current debt.

Remember this one thing: somewhere around 7% is the magic number that separates low interest debt from high interest debt. That's the interest rate that acts as a divider in our current market. Anything higher than that you'll want to pay off sooner than later, and anything lower than that, there is a good chance you can take those extra payments and invest to make a big enough return to make it worthwhile. Listen to the entire episode to hear us break it down because it's a very nuanced topic!

At the beginning of this episode we each cracked open and enjoyed a beer called Infusion A - Coffee Porter by Hoppin' Frog Brewery, a peanut buttery porter which you can learn all about on Untappd. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts!

For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out!

See omnystudio.com/listener for privacy information.

Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Rivian R2 deposits, streaming services vs. a Tesla, car privacy invasions, plummeting savings rates, crappy credit unions, cheap coffee hacks, contractor scams, smaller affordable homes, Airbnb scapegoat, Aldi everywhere, self-checkout lanes, & donation solicitations, 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

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.

Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!

1 - How should the Sahm Rule Recession Indicator impact my investing?

2 - Why would my financial advisor recommend against going with a Roth IRA?

3 - Does it make sense to go with the new Halfmore app to set up a retirement account for my kids?

4 - Should I use an inherited retirement account to pay for some big upcoming expenses?

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 

• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.

• Join a thriving community of fellow money in the HTM Facebook group.

• Find the best credit card for you with our new credit card tool!

• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we switched it up and enjoyed some quality coffee- Play Nice roasted by Methodical Coffee. 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.

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!

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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!

See omnystudio.com/listener for privacy information.

Anyone who has heard of the different warehouse clubs like Costco, Sam’s Club, and BJ’s has also heard that they’re a great place to save you money. But are they? With the proliferation of discount grocery stores and the ability to easily find a great deal on pretty much any product online, some are questioning whether the annual membership fees are worth it. Have a listen as we break down a bunch of the benefits, but also some of the drawbacks associated with warehouse clubs.

During this episode we both enjoyed a Buffalo Soldier by UTOG Brewing Co which you can find on Untappd. Another big thanks to Andy for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

See omnystudio.com/listener for privacy information.

This week on the pod we’re answering your questions! 1 - How do I justify going on vacation while I still have student loans? 2 - Should I pay for an addition with a home equity loan or by draining my emergency fund? 3 - Is the rental car insurance provided by my credit card a good option? 4 - How can I drop PMI early? 5 - What should I do with my Roth IRA that is currently with a high cost brokerage?

And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask

During this episode we enjoyed a Liquid Stardust by Surly Brewing- a big thanks to our friends at Surly for donating this 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!

See omnystudio.com/listener for privacy information.

Money just feels like a topic that is off-limits when it comes to discussions you have with your friends. Is it because it’s too personal? Maybe you feel it’s none of your business? A big part of why we started How to Money is because we feel that money conversations need to happen more often. Talking about money shines a light on it and brings about awareness, which can ultimately lead to improvement as we all have room to grow. Listen as we discuss some of the major ways you’re likely missing out if you’re not talking about money. And then we wrap it up with some practical tips that can help you when it comes to striking up a money conversation with your friends and family.

During this episode we enjoyed a Zoose Joose by Westbrook and Angry Chair. 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!

See omnystudio.com/listener for privacy information.

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!

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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!

See omnystudio.com/listener for privacy information.

Everybody has heard of a consumer advocate before- someone who helps to make sure that individuals are getting the best deal possible. Or to make sure that the quality of the products is up to snuff. For instance think of Consumer Reports and the countless reporting and tests they perform on the different items we use as consumers. But you likely haven’t heard of a ‘non-consumer advocate’ before and that’s who we’re talking with today; our friend Katy Wolk-Stanley! Katy’s site is TheNonConsumerAdvocate.com and she helps people learn to live on less, and to do so in a way that lessens their environmental impact. She’s an uber-frugalite who hardly ever buys anything new, and she uses that superpower to help others to live on as little income as possible. In this episode we discuss some of the different tactics that anyone can deploy: prioritizing lower tech solutions that last, how Katy easily fixes her broken household items, how minimalism and frugalism compliment each other, selling items on eBay, getting tax breaks for donating to Goodwill, and more!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed a Cloudscape IPA by New Park Brewing- thanks for donating this one to the pod Matthieu! 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.

Here on the podcast we don’t shy away from the fact that we’re big fans of having kids- Joel has three, Matt has four. But that is not typical here in the United States where the average is 1.6 births per woman… but why? We think the costly nature of having kids is one of the reasons. Depending on which study you’re looking at and the cost of living cited, we’ve seen upwards of $400,000 per kid! But even still, should it be all about the numbers? Should that data drive all of our decisions? Luckily we’re joined by someone who is a parent and knows all about the data- Emily Oster. Emily is a professor of economics at Brown University, the author of books like Expecting Better, Cribsheet, and Family Firm, and now host of the new podcast Raising Parents. And while you might know her as the lady who says it’s ok to have wine and coffee in moderation while pregnant, or as the health economist who shared unpopular opinions on Covid policies during the pandemic, we’re excited to share our conversation that’s all about our money and kids: making career breaks and staying home with the kids, why we need to approach family decisions the way a business would, Emily’s take on allowances, and more!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed an Ayinger Oktober Fest-Marzen! 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.

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 get ahead with your money. In this episode we explain some relevant and helpful stories like: more potential student loan forgiveness on the horizon, egg fights in the aisles, cutting food waste, the high risk of single stock investing, doubling down on a down market, Disney in real life, & non-competes might be on the road to defeat.

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

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.

Money oftentimes feels like a topic that is off-limits when it comes to discussions you have with your friends. Is it because it’s too personal? Maybe you feel it’s none of your business? A big part of why we started How to Money is because we feel that money conversations need to happen more often. Talking about money shines a light on it and brings about awareness, which can ultimately lead to improvement as we all have room to grow. Listen as we discuss some of the major ways you’re likely missing out if you’re not talking about money. And then we wrap it up with some practical tips that can help you when it comes to striking up a money conversation with your friends and family.

During this episode we enjoyed a Zoose Joose by Westbrook and Angry Chair which you can find and learn all about on Untappd. And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts!

Best friends out!

See omnystudio.com/listener for privacy information.

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 get ahead during these trying times. In this episode we cover some relevant and helpful stories like: DIY toilet talk, 2021 sold more electric bikes than electric vehicles, EV prices are getting out of hand, tax credits to help you go electric, more funding for the IRS, $1,200 to greenify your home, Petsmart saddling employees with debt, holiday flight advice, refunds for delayed flights, everlasting Southwest travel credits, Aldi at the altar, & realizing real retirement risks.

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Find a thriving community of fellow money nerds by joining the HTM Facebook group!
• Maximize your rewards by getting the best credit card for how you spend.
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

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.

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!

See omnystudio.com/listener for privacy information.

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!

See omnystudio.com/listener for privacy information.

Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: click to cancel, better business policies, longer loans, upside down autos, AI generated podcasts, Flyhomes, luxury goods inverted supply/demand, pricey lotto tickets, would you tattoo?, cloudy forecast for real estate in the sunshine state, prepaying principal, and higher heating bills.

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

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.

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: measuring the value you get from Amazon Prime, fueling your addiction with Jackpocket, borrowing to invest, buy now pay never, who’s footing the the bill when it comes to credit card rewards, what housing market crash?, housing affordability brought to you by a 50 year mortgage, cheaper groceries and booze, & whether banning new gas stations is the best path forward.

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.

A personal finance show that doesn't suck!

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We’re joined today by Jessica Moorhouse who started out as a blogger, looking for a creative outlet and way to hold herself accountable, and is now a financial counselor, speaker, and host of her own podcast- More Money. She is also the author of the new book, “Everything But Money: The Hidden Barriers Between You and Financial Freedom”. Jessica is all about providing easy to understand advice, delivered in a non-judgemental way, and she believes that there’s a lot of stuff that gets in the way of us being able to achieve our financial goals. Maybe most folks already know how to invest, but what they need is help with the trauma from their upbringing!? Maaaybe we even get into our own money stories from way back when, back when we were little kids and how that shaped our personal views of money… we get into all of that and more during our conversation today!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Deduction by Taxman 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!

See omnystudio.com/listener for privacy information.

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 my reluctant spouse on board with a plan to budget?

2 - What should I do with an old 529 Plan that I was planning on transferring to my kids?

3 - Am I being frugal or cheap by blending my beers myself at a local brewery in order to save?

4 - Should I max out my Roth IRA or my 403b if both are available options?

5 - Is it a good idea to be a landlord while living abroad?

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed a Thyyk Hydra by Mortalis 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.

Today we're diving into the dollar-saving-world of the Free Application for Federal Student Aid, better known as the FAFSA (which has seen some significant changes this year). Other than the cost of a hospital visit, nothing has skyrocketed in price like college tuition and fees over the past 20 years. You think your house or your new car is crazy expensive? Nope, just wait until your kid starts looking at colleges- that’s when the real sticker shock kicks in! And that’s why we’re excited to be joined by Tina Steele who is known as The FAFSA Guru. Tina is an expert when it comes to financial aid- she has decades of experience whether she was directly working for different public and private universities, leading a statewide initiative in Maine helping disadvantaged students to pursue college, or creating incredibly valuable videos for her YouTube channel. Today we discuss the critical changes to the FAFSA, who those changes helped and who they hurt, costly mistakes that divorced parents make, the best strategy for appealing a financial aid offer, and other tactics for curbing college costs.

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Blue Crab Special Reserve by Other Half Brewing- a big thanks to Jason 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!

See omnystudio.com/listener for privacy information.

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!

See omnystudio.com/listener for privacy information.

If you have a difficult time setting aside money for the future and saving towards retirement, then identifying why it is that you’re saving might be what you’re missing. Studies have even shown that we will save more money for retirement when we’re able to see an older version of ourselves- so maybe trying out FaceApp is a good thing after all! Even though we all might have different motivators, it’s healthy to remind ourselves of why it is so important to save and invest. And actually realizing and understanding that we’re going to be old one day is crucial when it comes to maintaining a high savings rate in our 401k, IRA, and other investment vehicles.

During this episode we enjoyed a Christmas Bomb by Prairie- a big thanks to Jeff for donating this 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- we’d love to hear from you.

Best friends out!

See omnystudio.com/listener for privacy information.

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 get ahead during these trying times. In this episode we cover some relevant and helpful stories like: European travel discounts, making yourself take some time off, rising costs of pet sitting, WTD with that drawer of gift cards, decelerating rents, the demise of thrifting, $18 for heated seats, everyday payday, coupon culling, & the easiest way to create a will.

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.

Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!

1 - Should we take advantage of interest free payments offered by our hospital after a baby delivery?

2 - What’s the best way to finance a basement buildout?

3 - After we move out of state, what should we do with my wife’s pension that she will no longer qualify for?

4 - Is it smarter to focus on building up my savings or paying off high interest rate credit card debt?

5 - Can you recommend a guaranteed rate of return over 4% with a term of 12 months?

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Dark Arts Tequila Barrel Aged Stout by Wicked Weed! 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.

The reason there are so many hard seltzers on the market, the type of car you’re looking to buy, even why women wear children’s clothing – our guest today is going to share why it is in fact TAXES that are behind nearly every aspect of our lives. We’re doing a deep dive as to how taxes tend to direct our behavior and decision making in ways that most folks don’t realize, and those are just a few of the examples that we discuss today. We’re joined today by Scott Hodge who has over 35 years of tax policy experience. More recently he led the Tax Foundation, a Washington DC based think-tank, for over two decades. And today we’re going to discuss his recently published book, Taxocracy which is full of examples of how misguided tax policy has led to the world we live in today. Most people think of taxes as an annoying aspect of life, but our conversation today reframes it as another powerful invisible hand at work in the market!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed a United by Pure Project 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.

… literally, we’re discussing why some of the brightest minds at Stanford University need just as much instruction for their money as the typical American. At such a competitive school, with one of the lowest acceptance rates, you’d think those students have everything figured out, but you’d be wrong! Our guest today, Adam Nash, is a personal finance enthusiast and adjunct lecturer at Stanford University. And today we cover topics like why he starts the course with behavioral finance and how prioritizing income over expenses can bring a traditionally dry subject to life. But beyond the classroom, Adam’s career spans roles at companies like Dropbox, eBay, and even Apple to just name a few that we use on a daily basis. And he’s currently serving as the CEO and co-founder of Daffy, which is a fintech platform centered around charitable giving. So even though it’s not December, we’re also going to talk about strategically giving your money away, why more folks need to consider donor advised funds, and how Daffy can help to make us all more charitable and generous individuals.

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a spring saison: Froo Froo Gal, brewed and donated to the show by Graham! 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.

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!

See omnystudio.com/listener for privacy information.

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!

See omnystudio.com/listener for privacy information.

This week on the podcast we’re answering your questions! 1 - I was overpaid by my employer, what should I do now? 2 - Should I convert my 401k into an IRA? What considerations should I keep in mind? 3 - I have some IRS debt. Should I prioritize my debt snowball or get after that tax debt owed to the IRS? 4 - What’s the deal with my savings account interest rate dropping? 5 - I have an ESPP that is offered at work. Should I participate, and if so, how should I go about taking advantage of my employee stock purchase plan?

And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/

During this episode we enjoyed a Mexican Chocolate Yeti by Great Divide - a big thanks to our friends there at the brewery! 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!

See omnystudio.com/listener for privacy information.

With Bitcoin near all-time highs, maybe you’re thinking “DANG, I need to buy some… BTC is going to the moon after all!” Well not necessarily- don’t think that you’re missing out on an opportunity of a lifetime to strike it rich. But we are going to discuss how investing in Bitcoin can not only boost your overall returns, but how it can also be a balanced and healthy strategy for investors. We’re joined today by Marko from White Board Finance to have a frank and practical conversation about Bitcoin. Marko was self-taught and started investing in the market at the age of 18. But then after studying finance and working for tech startups and in banking, he launched his YouTube channel which is currently just shy of one million subscribers! He’s an expert of all things personal finance, but we’re mainly going to focus on the future of Bitcoin, the recent events responsible for it blowing up, how much Bitcoin you should own in your portfolio, and much more!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Diamond Dust by Pure Project- a big thanks to Kristi for donating this one to the pod! 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.

Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!

1 - Should I execute a Roth conversion during a sabbatical year from work?

2 - How do I remedy an out of control car loan that’s worth less than what I owe?

3 - Do y’all think I can withdraw more than what the 4% rule says is safe?

4 - Can I use HSA funds to pay for healthcare premiums?

5 - Is it time to use a 0% balance transfer card to get us out of some unexpected debt?

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Hop Showers by Other Half 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.

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

During this episode we enjoyed a Bright Day Coming by 3 Taverns! And as we have ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!

Best friends out!

See omnystudio.com/listener for privacy information.

Friday episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to thrive. In this episode we cover a lot of interesting topics like the updated Paycheck Protection Program and what that means for small businesses, taking time off in order to avoid burnout, and the ridiculous overdraft fees banks charge. Then we also dive into thew new jobs in our country as well as what it looks like to go back to work.

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!

See omnystudio.com/listener for privacy information.

Imagine this: you wake up after a restful night’s sleep, not to the crash of toys in the playroom, but to the soft chime of your alarm or maybe even sunlight streaming through your window. You ease into your morning by getting ready for a run or some work without negotiating with kids over what they can or can’t wear to school. You enjoy a delicious breakfast, again, without an argument with any kids. For us, this scenario feels like a distant dream. As our listeners know, our homes are filled with the beautiful chaos of kids, and we wouldn’t have it any other way! But not everyone wants that kind of life. Some folks genuinely prefer the peace and quiet of a child-free lifestyle which is totally fine! However, our guest today argues that life without kids comes with its own unique financial challenges. Joining us is Dr. Jay Zigmont, founder and CEO of Childfree Wealth. Jay is a flat-fee fiduciary who specializes in helping those without children navigate their distinct financial priorities and goals. Today, we’ll dive into his insights and explore what financial planning looks like for people living a child-free life. Have a listen!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 

• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.

• Join a thriving community of fellow money in the HTM Facebook group.

• Find the best credit card for you with our new credit card tool!

• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed a Bell’s Christmas Ale! 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.

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!

See omnystudio.com/listener for privacy information.

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!

See omnystudio.com/listener for privacy information.

Imagine hopping on a flight to visit your parents on the other side of the world. You don’t avoid flying by plane because there’s likely going to be some turbulence- a few rough patches are to be expected. You take advantage of the modern marvel of a transatlantic flight and you go and see your family! Similarly, the stock market is the greatest wealth creating machine in history- it’s amazing! Investing in the market to achieve millionaire status has become possible for a much wider swath of folks but the path comes with its fair share of corrections and bear markets. To go back to the analogy- what if it's starting to look like air travel is no longer safe? You start to consider that upcoming flight! Sure, we’re seeing some market volatility now but future market predictions aren’t looking all that rosy either. Is it time to consider pulling out of the market? During this episode we’ll discuss why the market saw massive gains over the past 2 years, why we’re optimistic about the future of the stock market, what you should be doing if we experience a future of weak returns, and how you should be investing regardless of what’s going on with the stock market.

During this episode we enjoyed an Escape From Lager Mountain Flying Machine! 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.

Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: expensive hobbies, presidential proposals, underconsumption core, content to rent, Disney debtors, gambling vs investing, swiping left on that credit sore, data breach fatigue, fake reviews banned, & hollowed out gift cards.

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

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.

It's always encouraging to be reminded that the hard work you're putting in and the sacrifices you're making now can mean a much smoother ride in the future when it comes to your personal finances. Our $Pro this week, Doc G, is here to discuss the compounding effects of extra work, saving, and investing early on. Even if you're not so young, this episode is a call to get started now- not next month or next year- get your money in order today!

During this episode we each enjoyed an Aggressive Additions IPA by Spindletap Brewery which you can find on Untappd. A huge thanks to Leo for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

See omnystudio.com/listener for privacy information.

Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!

1 - What is the best high yield business account that also pays the highest rate of interest?

2 - How can I use a financial calculator to project my finances if I have a variable income?

3 - As rental property owners, what are your favorite ways to find and screen tenants?

4 - Should I pause my retirement investing in order to more quickly save up a home down payment?

5 - I’m sick of giving folks meaningless stuff around the holidays. Ideas for incorporating nontraditional gifts?

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Green Flowers by Other Half Brewing- a big thanks to Jason 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!

See omnystudio.com/listener for privacy information.

Over 1,000 years ago, somehow, the Vikings were able to sail from Norway to Greenland. Without relying on any special instruments or any rudimentary technology, they were even able to reach as far as North America! Evidently they relied on the polarization of the sky, whales or birds they came into contact with, and the color of the ocean- quite remarkable. It seems unlikely that any sailors would be able to pull that off today with modern day technology. But that’s often what it feels like as you’re trying to get your financial ship pointed in the right direction. The vastness of options that lie before you feel overwhelming and the obstacles that we face are daunting, but we’re here today to help you to: a) geolocate your financial situation, and b) determine what your next steps should be. It’s important to know where you are, and where you are going. Following our Money Gears will not only allow you to reach your financial goals sooner, but it’ll be the most emotionally satisfying way to achieve that success as well. Listen as we discuss the Money Gears and how you should properly order your financial decisions.

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Vinology: Semillon 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.

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!

See omnystudio.com/listener for privacy information.

We’re kicking off the week by answering your 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 go about creating a budget with a highly variable income?

2 - As new parents we want to start saving money into a 529 plan but how much should we aim to invest?

3 - Avoiding capital gains when selling a primary residence?

4 - Should most folks have long term disability insurance?

5 - Taking advantage of “3 paycheck months”!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Malpais Stout by La Cumbre Brewing- a big thanks to Bob for donating this one to the pod! 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.

Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: (non-existent) household debt ceiling, breakfast back on the menu, freemium services getting the squeeze, a free 55” Telly, valuable VHSs, “make an offer” to save, returning rags, a coffee conundrum, bikes at a bargain, dreams of down payments, & extreme ways to lower your utilities.

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

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.

In order to travel affordably, we have to keep our lodging costs in check! The money we spend on a comfortable place to sleep at night can be a huge expense, sometimes keeping us from traveling at all. Luckily there are some incredible ways to save more thanks to the internet and different apps created specifically to improve price transparency and to help you find the best deal online. We also have some great suggestions with some specific strategies to allow you to save big money on travel lodging.

During this episode we enjoyed a Darkness by Surly Brewing- a big thanks to our friends at Surly for donating this 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- we’d love to hear from you.

Best friends out!

See omnystudio.com/listener for privacy information.

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!

See omnystudio.com/listener for privacy information.

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 get ahead during these trying times. In this episode we cover some relevant and helpful stories like: wearing used workout clothes, inflation resistant restaurants, dirt cheap groceries, trading down to save more, potentially paused payments, student loans impacting your golden years, happy birthday Social Security, worthless warranties, college student safeguards, TDF allowing you to DIY it within your 401k, actively managed funds kinda coming out ahead, specific EVs that get the new tax credit, & a sweet signup bonus on one of our favorite credit cards.

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Find a thriving community of fellow money nerds by joining the HTM Facebook group!
• Maximize your rewards by getting the best credit card for how you spend.
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

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.

Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: the slowest workday of the summer, the SAVE seesaw, overspending own goals, a new attractive unlimited MVNO, brand warmth, exes getting millions, auto-enroll to the rescue, money avoidance, & saving like BTS.

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

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.

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!

See omnystudio.com/listener for privacy information.

Getting your significant other on-board when it comes to personal finance goals may be no small task- which is just one of the reasons we’re excited to have Andy Hill join us for this episode. Andy and his wife started their life together 50k in debt. They put in the hard work of confronting their individual unhealthy financial patterns, set some serious goals, and in just 4 years were completely debt free (including a 195k mortgage!) and now 8 years later have grown their net worth to over 750k! Andy’s podcast is called Marriage, Kids, & Money, and today we’re excited to talk with him about a variety of topics including clever ways he’s been able to diversify his income, as well as some tips for avoiding money fights with your partner and communicating well with regard to money and goals.

During this episode we each enjoyed a Cream Weaver by Three Taverns Brewery - a big thanks to our friend Tyler here in Atlanta for donating this tasty beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

See omnystudio.com/listener for privacy information.

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!

See omnystudio.com/listener for privacy information.

“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.

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!

See omnystudio.com/listener for privacy information.

Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Costco refunds, asking for a discount, bank blow-ups, whether your money is safe, how to score more FDIC coverage, where rates might be headed, AI financial advice, plastered purchases, in-app purchases cost you more, and a big thanks to Argentina M for telling others about the HTM Newsletter that we publish every Tuesday morning- it’s fun, free, practical, and we think it’ll help you to get ahead with your money!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

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.

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

During this episode we enjoyed a Ourison by Tired Hands Brewing! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!

Best friends out!

See omnystudio.com/listener for privacy information.

Who remembers fire and tornado drills back when they were in school?! Even though in the moment they seemed like a complete waste of time, looking back as adults it’s easy to see how important it is to run a drill of what you would do in the event of a fire. And if you were in the scary scenario where you DID have a fire at your school, you were probably glad to have gone through the motions and rehearsed exactly what you should do. Insurance is kind of like a fire drill- most of the time it feels completely unnecessary, but in the rare instances where you actually need to put it to use, you’re more than happy to know you have that policy in place. And while virtually everyone is required to have car insurance, fewer folks have had the misfortune of being in an accident. So one of the problems we’re addressing today is what you should do after you’ve been involved in a car accident- it’s a surreal experience that can catch you off guard. We discuss things like diminished value and notifying your insurance company, but we also discuss how you can be financially prepared for accidents and the steps you can take to reduce the cost of insurance.

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed an A OK Marzen by Gruner Brothers- thanks for donating this one to the show Katie! 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.

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!

See omnystudio.com/listener for privacy information.

Isn’t there a universal metric we can use in order to compare one charity to another? Not according to our guest today who says that we have to use the head AND the heart to determine what organizations we’re going to support. And when it comes to our motivation to give, I think it could be easy to dismiss our own efforts as just a tiny drop in the bucket. Maybe you’re giving when prompted at the checkout register, so it’s five bucks on occasion. Or maybe you are a little more disciplined or systematic about it and you give away a certain percentage of your income – but then you make recurring donations that you basically forget about. Out of sight, out of mind… but that’s not how we want you to give away your money. We want you to get the most bang for your buck! And here to help us to learn how to do that is Phil Buchanan, the president of the Center for Effective Philanthropy. He’s also the author of the book, Giving Done Right, where he emphasizes the importance of thoughtful and mission-driven giving. He has a podcast by the same name and he’s all about providing data-driven insights to help us maximize our personal impact. We talk about the limitations of effective altruism, focusing on local communities, the historical impact of philanthropy, and more!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed a Farina 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!

See omnystudio.com/listener for privacy information.

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!

See omnystudio.com/listener for privacy information.

The newest iPhones that were just released are anywhere from $1,000 to $1,500 - that is a ton of money!!! With all the different functions and duties that our smartphones are able to perform, it’s no surprise that the prices are continuing to climb but don't pay full price! Regardless if you’re getting the latest and greatest iPhone release, or if you’re buying last year’s Moto, you want to be getting a deal. In this episode we cover a bunch of different ways to save on your phone upgrade including where and when to buy, how to easily reset your phone of personal information before selling it, and some alternatives to getting a new phone altogether!

And at the beginning of this episode we enjoyed a French Oak Saison by New Belgium which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts!

For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out!

See omnystudio.com/listener for privacy information.

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.

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

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!

See omnystudio.com/listener for privacy information.

More and more investors want their money to be going to companies who are doing good in the world, or at least to companies who are being responsible when it comes to the environment, social issues, and governance. Companies who are leading in this front may also be better positioned for future challenges and experience fewer instances of bribery, corruption, and fraud (bonus: giving you better returns on your investment)! Unfortunately, with socially responsible investing being fairly new on the scene, definitions can be unclear and terms are often used interchangeably. Listen as we dive into this topic, giving you the knowledge to help you decide what socially responsible investing means to you.

During this episode we both enjoyed a Toffee Stout by Carolina Brewery which you can find on Untappd. Another big thanks to Emma in NC for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

See omnystudio.com/listener for privacy information.

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!

See omnystudio.com/listener for privacy information.

We’re kicking off the week by answering your 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’m considering getting dental insurance- is it worth it?

2 - Why should I invest when I’m making so much in my high yield savings account?

3 - Should I cancel my old whole life insurance policy?

4 - As an engaged couple, what are the best ways to budget and combine our finances?

5 - And a Frugal or Cheap: lemonade at the county fair edition!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed an Angel of Darkness by Wicked Weed! 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.

We’re kicking off the week by answering your 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 - After recently purchasing a home, I’m having a difficult time budgeting… help!

2 - Should we pay on our student loans if we’re pretty sure they’ll be forgiven next year?

3 - Is gold and silver bullion a good investment?

4 - Umbrella insurance policies… when does it make sense to purchase one?

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a PranQster by North Coast Brewing- thanks for donating this one to the podcast Greg! 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.

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 - We’re converting our primary residence into our first rental property: should we hire a property manager?

2 - Should I put all of our living expenses on a 0% credit card and invest the money instead?

3 - How do I know when it’s time to switch from investing to spending my nest egg?

4 - I have a beloved Mini Cooper Countryman: should I sell it in order to achieve financial stability?

5 - Does it ever make sense to sell my house via an all-cash offer?

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Spring Thrills by Pizza Port Brewing- thanks to our buddy Joel for donating this one to the pod! 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.

This week on the pod we’re answering your questions! 1 - Should I get umbrella insurance or put each investment property in it’s own LLC? 2 - Should I change my tax withholdings to pay off debt? 3 - How should my partner and I split bills and pursue financial independence when we have very different incomes? 4 - When should I consider switching to a bank that pays a higher interest rate? 5 - How should I structure a group of friends to discuss talking about money?

And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask

During this episode we enjoyed a Pink Robots by Birdsong Brewing which you can find on Untappd. A big thanks to Emma for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

See omnystudio.com/listener for privacy information.

Do you know something that we’re all currently doing? Breathing. It’s something we rarely actively think about, but it turns out that there are ways to improve our technique- by breathing through our nose instead of our mouths, or by taking deeper slower breaths. Well we’re talking about another basic subject today: buying groceries. This elementary practice seems simple on the surface, but just like breathing there are tactics that you can implement in order to save more money at the supermarket. The cost of food has always been a big deal as it’s typically our third largest expense. But it’s a bigger deal than ever with grocery prices up nearly 12% in December compared to a year ago. Inflation is making it more expensive to eat! Listen for how much you should be spending every month, our take on meal delivery services, and many other money saving tips that you can implement in order to butcher your grocery bill today!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed a Darken by Upland 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.

We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/

1 - I have a lot of bonds in my portfolio- is now a good time to sell them and buy more stocks instead?

2 - How are new student loans being affect by the health crisis?

3 - I’ve recently started doing business with an insurance broker, saving me time and money! What’s the catch?

4 - Are savings bonds a good product for my young daughter?

5 - I’m considering law school but I also enjoy working with my hands- help me decide!

During this episode we enjoyed a Nightmare on Brett by Crooked Stave- thanks to our friends at the brewery for donating this one to the show! And as we ramp up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!

Best friends out!

See omnystudio.com/listener for privacy information.