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How to Money

How to Money

1,213 episodes — Page 17 of 25

Ep 412Ask HTM - Bitcoin in Our Portfolio, Fixing a Credit Card Mistake, and Putting Savings in Coke Stock #412

We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!1 - What do y’all think about Bitcoin?2 - Where should we save or invest our down payment for a new house?3 - Is it too risky to keep my savings in Coke stock?4 - Should I close a credit card that I opened on accident?5 - Does it make sense to invest in a 403b or a 457?During this episode we enjoyed a Master Shredder by The Veil Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Sep 20, 202146 min

Ep 411Friday Flight - The Sports Betting Boom, Record Home Equity Levels & Taco Subscriptions #411

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: scoring a massive Airbnb discount, learning economic theory from Theme Park Tycoon, video game bans, the sports betting boom, buy now pay later consumers are falling behind, leveraging crypto to buy more crypto, subscriptions that are bad for your wallet and your diet, and what to do with sky high home equity levels.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Sep 17, 202128 min

Ep 410What if You Won the Lottery? #410

Winning the lottery shouldn’t be a part of your financial plan- but why are we so enthralled by the idea of winning the lottery?! On average, Americans spend over $1,000 every year for the chance to strike it rich. That’s a lot of wasted money that could be going towards literal investments. But even though we’re not going to win millions, statistically speaking, this exercise can provide some insights about the ways we want to spend our money and our time. This is helpful because there is a much higher likelihood that we would experience some sort of windfall in our lives whether that be a bonus at work, proceeds from a home sale, or even an inheritance. And if we haven’t taken the time to think through what we would do in these scenarios, there’s a good chance we could make the wrong decision in the heat of the moment. We’re going to get personal and share what we would do if we won the lottery, and we’re also going to explain how you can come up with your own money mission statement.During this episode we enjoyed a Crucial Crucial Taunt Taunt Enhanced by The Veil Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Sep 15, 202142 min

Ep 409Fight and WIN Against Insane Healthcare Costs with Marshall Allen #409

Marshall Allen is a journalist who investigates why we pay so much for healthcare here in America, while simultaneously we receive so little in return. He is the author of “Never Pay the First Bill: And Other Ways to Fight the Health Care System and Win” and he is also the founder of Allen Health Academy, which produces a curriculum of short on-demand videos to equip and empower employees to navigate the healthcare system. Marshall has been investigating the healthcare industry for 15 years, including over a decade at ProPublica. He also teaches investigative reporting at the Newmark Graduate School of Journalism at the City University of New York. We highly recommend that you listen to this episode if you’re looking for practical ways to reduce how much you’re spending on medical costs!During this episode we enjoyed a Fade Away by Cruz Blanca Brewery - thanks to Dennis and our friends at the brewery for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Sep 13, 202156 min

Ep 408Friday Flight - Robots Ruining Everything, A New Robinhood Feature, & Kim Kardashian's Crypto Kerfuffle #408

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: Matt scored his $1,250 credit card signup bonus, judging others if they have an old phone, digital driver's license, targeted ads on streaming, trip stacking, Kim Kardashian's crypto kerfuffle, a new Robinhood app feature, robots disrupting the labor market, AI rejecting millions of resumes, and one simple way to score a better job.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Sep 10, 202130 min

Ep 407Striving for Work-Life Balance (Bestie Ep) #407

Feeling overworked?! Between trying to get ahead at your 9-5 and pursuing side hustles, chances are really high that you feel like your work-life balance is out of whack. That doesn’t even take into account that more of us are working from home. We find ourselves chronically fatigued and exhausted because we give too much to our work, leaving little left for ourselves and those around us who we love. For instance, as a result most Americans don’t take all their vacation time- and when they do, they find it impossible to actually stop working! This ongoing cycle of never-ending work is leading more folks than ever to despise the work they once loved while other important areas in their lives like relationships, health, and hobbies continue to suffer. This is an important topic for us to cover as we seek to implement some practices to restore that work-life balance and then create boundaries to maintain that balance.During this episode we enjoyed an I Learned It by Watching You by Burial Beer Co and Other Half Brewing - a big thanks to our friends Waffles on Wednesday for donating this collaboration beer to the show. And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Sep 8, 202142 min

Ep 406Ask HTM - Reporting Rent Payments to Credit Bureaus, Bicycle Insurance, & Preparing for Maternity Leave #406

We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!1 - Should I put all of the proceeds from my home sale towards the down payment on a new home?2 - As a renter, should I pay extra in order for my rent payments to get reported to the credit bureaus?3 - Does it make sense to get insurance for my e-bike?4 - How can we make sure that our finances are in a strong position before having a baby?5 - Is there a best time of year to invest a lump sum of money?During this episode we enjoyed a 555 by Cruz Blanca Brewery- thanks to Dennis and our friends at the brewery for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Sep 6, 202142 min

Ep 405Friday Flight - Employer-Matched Savings Accounts, Annoying Hotel Fees, & Where to Save the Most on a Refinance #405

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: what to watch out for when switching to an online bank, employer-matched savings accounts on the rise, IKEA buying back your furniture, the easiest way to get all of the shampoo out of a bottle, annoying hotel fees on the horizon, simple tricks to supercharge your retirement account, the underutilized Roth 401k, falling investment fees, when it makes sense to see a financial advisor, avoiding eviction through federal rental assistance, & where to save the most on a refinance.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Sep 3, 202130 min

Ep 404Valuable ATLien Money Lessons #404

Since this is episode 404, we’re talking all about the money lessons that we can learn from our city Atlanta (which is sometimes referred to as the 404). You can learn lessons in unintended places- there are things to be learned all around us, if only we’re keeping an eye out for them. For instance, one of the impacts of the Covid lockdowns last year was that we couldn’t go anywhere and our calendars were pretty much wiped clean. And the unintended lesson that many Americans learned was that we probably had way too many events on the calendar to begin with. We quickly learned that less activities and more family time was a good thing. And so when it comes to Atlanta, there are a ton of different personal finance lessons that we can learn- from specific things like terrible traffic, the cultural diversity we find in the city, tax breaks being offered to the film industry, our sports teams, and plenty more! So be sure to listen in order to learn some valuable ATLien money lessons.During this episode we enjoyed BBA Siberius Maximus 10th Anniversary Cuvee RIS by Wrecking Bar Brewpub! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Sep 1, 202148 min

Ep 403Ditching Work You Hate & Landing the Job You Want with Ashley Stahl #403

Today we are joined by career expert Ashley Stahl. She has a new book out titled You Turn: Get Unstuck, Discover Your Direction, and Design Your Dream Career that we dive into during this episode. And while we’re on the topic of job hunting, Ashley has quite the remarkable resume herself- she interned with Governor Arnold Schwarzenneger, pursued a career in counterterrorism while getting her Masters degree in War Studies in London, & then worked for a defense contractor at the Pentagon running an award-winning program. But despite all her success, Ashley still felt a degree of uncertainty until she finally changed her career path. Ashley is now a career coach where she empowers people to discover their authentic careers, land more job offers, and launch their dream businesses.During this episode we enjoyed a Hazy Little Thing by Sierra Nevada! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Aug 30, 202158 min

Ep 402Friday Flight - Christmas Shopping Starts Now, Rental Scams & No-Vax Penalties #402

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: small businesses passing credit card fees on to customers, housing rental scams abound, why now is the time to start shopping for Christmas, how subscription fatigue could be beneficial, whether or not you need a 401k to retire, a $20,000 hiring bonus, skipping the vaccine might cost you big, and getting the job you want with a video resume.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Aug 27, 202130 min

Ep 401Is Real Estate Investing Right For You? #401

You should consider investing in real estate! If your personal finances are in a solid position and you’ve already taken advantage of the tax advantaged accounts that are available to you, we believe that it could make a ton of sense for you to become a real estate investor. There are many great benefits from owning long term rentals like experiencing a higher return on your investment, monthly cashflow, tax benefits, and others that we’ll get to during this episode. But just because we’ve found investing in real estate to be a boon in our lives doesn’t mean that you should automatically go out and purchase your first rental. There are a number of different factors that you need to consider, before you start making offers! We tackle some of the common excuses that some folks give for why they don’t want to invest in real estate, in order to help you decide if real estate investing is right for you.During this episode we enjoyed Corn Grisette by Cruz Blanca Brewery- thanks to Dennis and our friends at the brewery for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Aug 25, 202148 min

Ep 400Ask HTM - Working with a Partner who is Bad with Money, Best Ways to Pay for Grad School, & Tax Implications of Inherited Money #400

We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!1 - Should I avoid getting married if my partner and I are unable to get on the same page with our money?2 - Paying for grad school: should we use savings, dip into an investment account, or take on a student loan?3 - How can I best go about maximizing my self-employment benefits?4 - What are the tax implications of an inherited IRA?5 - Where should we put money that we’re planning to put towards rental properties?During this episode we enjoyed Coco Frio by Cruz Blanca Brewery- thanks to Dennis and our friends at the brewery for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Aug 23, 202145 min

Ep 399Friday Flight - Drunk Investing, Help for Homebuyers, and Paying to Cut in Line #399

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: an easy site to help you choose the right streaming services, free Apple TV+, how rent payments will help you qualify for a mortgage, what to do about the T-Mobile data breach, paying to cut in line at theme parks, whether an electric vehicle is more affordable for you, drunk investing, investing fee transparency, whether inflation has impacted the price of brown bag sandwiches, eating SPAM, & cutting the cost of insurance.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Aug 20, 202130 min

Ep 398A Money Conversation With Our Partners #398

Kate and Emily take the mic! It’s that time of year again- when our wives have yet again so graciously agreed to sit down and talk with us about money! Specifically during this episode we dive into Emily’s and Kate’s backstories and histories with money and how that has influenced us today. We also look back to the early days in our relationship and recount what it was like to combine our money as well as some of the first money fights we had and how we went about solving those disagreements. And then finally we discuss some of the different practices that can help all couples to continue to grow- it’s important that personal finance isn’t something that divides but instead unites relationships!During this episode we enjoyed a Tefnut (w/ Blueberries & Blackberries) by The Veil Brewing. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Aug 18, 202143 min

Ep 397How To Tackle Your Student Loans with Lauryn Williams #397

Today on the show we’re joined by gold medal winning, Certified Financial Planner, Lauryn Williams. And we’re not even joking with you- Lauryn was an Olympic athlete and was the first American woman to medal in both the summer and winter Olympic games which is an incredible feat. So not only is she a CFP with her own business, not only has she won gold as an Olympic athlete, but Lauryn is also a Certified Student Loan Professional, a CSLP, so she also has a high level of expertise when it comes to all things student loans. We’re going to hear Lauryn’s Olympic story but we’re also going to dig into some important details that student loan borrowers need to keep in mind when it comes to things like forbearance, student loan forgiveness, and the different income-driven repayment plans.During this episode we enjoyed The Donkey and the Thistle by Mad Fritz- thanks to our friend Cal for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Aug 16, 202151 min

Ep 396Friday Flight - Student Loan Payment Pause, The Worst Car Loans, & Avoiding This Common HSA Blunder #396

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: the student loan payment pause continues, savers are getting crushed, lower levels of competition are costing us $5,000 every year, everyone is angel investing, avoiding a very common HSA blunder, the worst car loans out there, used cars are no longer appreciating in value, & rental unit bidding wars.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Aug 13, 202128 min

Ep 395A Cornucopia of Budget Travel Tips #395

Who doesn’t enjoy going on a relaxing or adventurous vacation?! But even if spending a week in the Caribbean or backpacking across Europe isn’t your craft-beer-equivalent, chances are pretty high that you have to occasionally do some traveling and we want you to save big. Americans pour a lot of money into travel- to the tune of 972 billion dollars on domestic travel alone back in 2019. But it doesn’t have to cost you a fortune. We want you to experience all the joy of travel while lessening the financial pain of it. In this episode we cover a litany of tips and tricks that will allow you to save on your next trip. We cover many different aspects of travel, giving you the knowledge and resources that you can keep coming back to in order to save money every single time you book a trip in the future.During this episode we enjoyed some Vacay Daydreams by Pipeworks Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Aug 11, 202150 min

Ep 394Ask HTM - Hidden Expenses When Investing, Keeping Student Loan Payments Low While Earning More, & Vacation Investment Properties #394

We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!1 - What is this fixed finance charge on a new credit card that I applied for?2 - How can I prevent my income based student loan payments from increasing as I’m making more money?3 - Are there hidden expenses when I invest in funds through Cash App or Robinhood?4 - When it comes to teaching high schoolers about personal finance, what topics or curriculum should I focus on?5 - Should we buy a vacation property, specifically a condotel, as an investment?During this episode we enjoyed The Bane The Blithe by Newgrass Brewing Co! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Aug 9, 202146 min

Ep 393Friday Flight - FREE Health Insurance, Buy Now Pay Later, & Fatter Paychecks #393

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: Joel’s favorite wallet, free or discounted ACA health coverage, college health insurance plans, Target and Walmart paying for college, the slippery slope of buy now pay later, index fund investors saving $357 billion, higher priced diapers, furniture delays, & getting paid more.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Aug 6, 202127 min

Ep 392Having an Arbitrage Mindset Changes Everything #392

Dick Fosbury changed the sport of high jumping forever the first time he jumped backward over the bar. Until then, every competitor had launched themselves into the air going forward, belly over the bar. I’m not sure the last time you watched a high jumping event, but now every high jumper uses Dick’s technique. He essentially exploited a flaw in the high jumping world that no-one else was paying attention to. In a way that’s basically what arbitrage is when it comes to our personal finances- it’s about thinking creatively about the different financial hurdles in our lives. It’s about challenging the assumptions we’re faced with. We’ll cover some very clear forms of arbitrage that you might already be implementing, some problems with arbitrage, and then how you can begin developing more of an arbitrage mindset today.During this episode we enjoyed a Newgrass Brewing Co Pineapple Upside Down Shake! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Aug 4, 202145 min

Ep 391Becoming Your Own Consumer Advocate with Clark Howard #391

Today on the show we’re talking with one of the greatest minds in the personal finance space- Clark Howard. Clark is a money expert with a heart of gold who hosted his own radio show for over 30 years. I had the pleasure of working with him for 14 of those years. He is also the author of 10 books and continues to produce an excellent podcast daily because he somehow has limitless amounts of energy. But some of his more impressive accomplishments have been via the work he spearheads in Atlanta and the surrounding communities, including his partnerships with Habitat for Humanity, and his annual Clark’s Christmas Kids broadcasts which have helped ensure that over 150,000 kids received presents on Christmas morning that otherwise wouldn’t have.During this episode we enjoyed a Self Unaware by Newgrass Brewing Co. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Aug 2, 202152 min

Ep 390Creating a Debt Payoff Plan (Bestie Ep) #390

Our country has opened back up and we’re guessing that you probably spent a lot more money this summer compared to last year. Consumer spending isn’t going anywhere, student loans are ever-present, and car loans are becoming even more of an issue as consumers take out 72 and 84 month loans. The reality and feeling of drowning in debt is compounded when folks don’t know how to get out from underneath this crushing weight. Where do you even begin?! What we need is a plan to help us get out of debt and get our feet set in the right direction this year. Now is the time to get your personal finances in order and creating a debt payoff plan is vital to achieving your financial goals.During this episode we enjoyed a Barrel Aged Yeti Imperial Stout- thanks to our friends there at the brewery for donating this one! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jul 30, 202144 min

Ep 389Biking More To Get Rich #389

You might be saying “Yea, yea- we know Joel and Matt love biking…”, but did you realize that you’re literally missing out on millions of dollars by driving instead of biking? We crunch the numbers for you in this episode. So if you’re not biking, you should really give it another shot. People change- you’re not set in stone are you?! Just because at some point in time you decided that biking wasn’t for you, that doesn’t mean that you shouldn’t reconsider. And on top of the massive financial benefits there are a host of other additional advantages of riding more. Plus, we disprove a bunch of common excuses that are given as to why some folks can’t bike more, or bike to work. Then we round things out and share how you can begin incorporating cycling into your life, and how you can get riding today!During this episode we enjoyed a Double Fruited Boysenberry Blackberry Raspberry Hill by Southern Grist! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jul 28, 202149 min

Ep 388Ask HTM - Making the Most of a Meme Stock Mistake, if $50k Advanced Degrees Make Sense, & Selling or Renting a Home #388

We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear from you!1 - How can I use money allocation and automation to reduce my level of financial stress?2 - Does it make more sense for us to rent or sell our house in the current hot real estate market?3 - How do I have a better conversation about investing with my partner who doesn’t want to be a part of the “system”?4 - I’ve made and lost a lot of money from crypto and meme stocks so what do I do now?5 - Will a $50k advanced degree make sense?During this episode we enjoyed an El Dorado DDH Juicy Bits by WeldWerks Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jul 26, 202147 min

Ep 387Friday Flight - Crazy Rich Millennials, Rising Rents, & A Shady Way to Pay for College #387

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: appealing your property tax assessment, crazy rich millennials, eating out is getting pricier, shrinkflation and generics brands, rising rents, using target date funds incorrectly, shady ways to pay for college, & why paying with cash isn’t always a bad idea.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jul 23, 202129 min

Ep 386Crucial Credit Card Benefits You Aren’t Using #386

You’re missing out! Imagine using your smartphone only for making phone calls. What if you didn’t know you could use your phone to listen to podcasts, text, interact with friends on social media, or even to use the built in flashlight? What a shame that would be since your phone is capable of so much more than what it’s name implies! Now let’s imagine you’re only using your credit card to make purchases. Are you aware of the long list of benefits and rewards that are provided by some great credit cards out there? Did you realize that debit cards don’t offer the same protections that credit cards have automatically built in? Not to mention that we dive into the ethical question of credit card rewards- is it possible to utilize rewards and points with a clean conscious? During today’s episode, we’re going to convince you to start using your credit cards much more effectively.During this episode we enjoyed a Chief of Chiefs by Bearded Iris! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jul 21, 202146 min

Ep 385The Art of Gaining Peace with Your Money with Ken Honda #385

Here on the podcast we often talk about how to do smart things with your money, but we also try not to neglect the why behind our actions as well as our attitudes that have a massive impact on our overall approach to personal finance. Today on the show we’re talking with Ken Honda about his book “Happy Money” which is all about the mindset and attitude that we bring to our money which directly impacts our happiness. After a very successful business career, becoming an author was essentially a second career that Ken discovered and developed after retiring before he was 30. Ken’s writings bridge the topics of finance and self-help, focusing on creating and generating personal wealth and happiness through deeper self-honesty. Happiness and handling your money well takes more than just understanding the nuts and bolts, so listen as we talk about the art of gaining peace with your money!During this episode we enjoyed a Black Widow by Original Sin Cider- thanks to the folks there at Original Sin for sending this one our way! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jul 19, 202152 min

Ep 384Friday Flight - Getting Paid On Demand, Sneaky Internet Bill Increases, & New Cheap Drugs #384

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: opting out of housekeeping to save money, child tax credits have arrived, getting paid on demand, living paycheck to paycheck, new affordable discounted drugs, sneaky internet bill price hikes, getting your wifi to work better, cell phone upgrade cycles, and where inflation impacts you the most.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jul 16, 202129 min

Ep 383Breaking Down More Common Money Phrases #383

There’s no such thing as a free lunch. Don’t put all your eggs in one basket. You’ve heard phrases like this your entire life but are they true? And how can we specifically apply them to our personal finances? We had fun talking about some common money phrases earlier this year, but since then we’ve realized that there were a bunch of good ones we didn’t cover! So we figured it was a good idea to hit up even more common money phrases that we’ve all heard and dissect them. And the reason we feel this is surprisingly important is because the sayings we hear can often bore into our brains and if we hear them enough we believe them as fact. But many of these common sayings have flaws in them or are just downright wrong. So have a listen as we think through some more money sayings and how they apply to our personal finances.During this episode we enjoyed an Elderberry Northwest Sour Ale by Cascade Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jul 14, 202143 min

Ep 382Ask HTM - Hanging with Friends on the Cheap, Assisting Parents with Their Money, & Smart Contributions to Both an HSA and FSA #382

We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo!1 - Is my job worth the awful commute?2 - How can I hang out with my friends without spending a ton of money?3 - Does it make sense to contribute to both an HSA (Health Savings Account) and FSA (Flexible Spending Account)4 - Should I pay off my mom’s credit cards or car in order to help her with her finances?5 - What’s the best way to grow money that I’ll need in 2 or 3 years?During this episode we enjoyed a 2017 Kriek by Cascade Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jul 12, 202147 min

Ep 381Friday Flight - New Cheap Travel Hacks, Borrowing is Back, & Beware of Neobanks #381

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: reevaluating 2021 goals, new cheap travel hacks, the price of gasoline, federal unemployment benefits ending for some, scoring sweet hiring bonuses, teenage hiring boom, borrowing is back, whether you should take on debt in order to invest, expected returns in the stock market, & customer service problems with neobanks.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jul 9, 202128 min

Ep 380FIRE: Choose Your Own Adventure #380

This episode is all about FIRE which stands for Financial Independence Retire Early. This movement came about as an entire generation began to push back against the notion of traditional retirement- working hard in a job you hate so that you can kick back when you’re 65. Thanks, but nah. We have friends who have completely rejected that idea and have retired in their 20s and 30s, but the most important thing to keep in mind is that the pursuit of financial independence doesn’t have to look a specific way. Just like those books we loved in the 90’s you get to choose your own adventure! From leanFIRE to fatFIRE and everything in between, there are a variety of lifestyles we can aspire to. So we’ll talk about the different types of FIRE and then some of the most important tactics to consider on your path to achieving financial independence.During this episode we enjoyed a Smells Like Bean Spirit Double Maple by Mikerphone Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jul 7, 202146 min

Ep 379Financial Independence at 27 via Passive Income with Rachel Richards #379

Since yesterday was the 4th of July, we’re talking about financial independence with someone who has achieved it at the young age of 27. Rachel Richards is a former financial advisor, a real estate investor with almost 40 rental units, and the bestselling author of “Money Honey.” She has also written “Passive Income, Aggressive Retirement” which we’re covering today as we discuss the lessons Rachel has learned on her way to financial independence. Rachel quit her 9-5 job and now lives off over $15,000 a month in passive income and she spends her time doing whatever she feels like- whether that’s traveling the world with her husband or hiking the Rockies with her dog. Learn how setting up streams of passive income to achieve financial independence is more attainable than you think!During this episode we enjoyed a M-43 Tart Strawberry by Old Nation Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jul 5, 202150 min

Ep 378Friday Flight - Peak Inflation, Saving Money Sucks, & Insurance Scams #378

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: Bobby Bonilla made the wrong decision, keeping utility costs low during scorching heat, peak inflation with costs coming down, appreciating used cars, personal rates of inflation, saving money sucks, Peloton disabling treadmills, new Venmo fees, Gen Zers and Millennials are being targeted with new scams, high costs of title insurance, avoiding extended car warranties, student loan interest rates have increased, & book giveaway winners!And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jul 2, 202129 min

Ep 377How To Pay Less For Almost Everything #377

Nobody enjoys paying full price- who doesn’t like scoring a sweet deal?! Yet many of us don’t think to do what it takes to pay less for the things that we buy. Whether it’s the fear of rejection or not wanting to be perceived as a cheapskate, there are a number of false narratives at play that are keeping us from pouncing on discounts. And it’s important to simultaneously keep in mind that, in the words of Michelle Singletary, “discounts make us dumb!” In the quest to pay less, it’s important to not fall victim to the ploys of marketers and advertising! We discuss all of these patterns of thinking, as well as the steps that we need to take in order to ensure that we’re getting the absolute best deal on almost everything.During this episode we enjoyed an Origins by Crooked Stave! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jun 30, 202137 min

Ep 376Ask HTM - Liability Limits on Car Insurance, Giving Unsolicited Investment Advice, & 15 vs 30 Year Mortgages #376

We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo!1 - How should we budget for a bi-weekly paycheck?2 - Should I give unsolicited investing advice to my brother-in-law?3 - Since I’m building up my net worth, should I increase my liability car insurance limits?4 - Are I Bonds a good idea? (pronounced ‘eye’ bonds!)5 - 15 or 30 year mortgages: which should I refinance to? And what are your thoughts on flipping houses?During this episode we enjoyed a Seeing Green by Civil Society Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jun 28, 202141 min

Ep 375Friday Flight - Reverse Cord-Cutting, Living Paycheck to Paycheck on 100k, & Putting Rent on a Credit Card #375

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: Costco mortgages, how you can raid our bookshelf, Advance Child Tax Credit, car rental gift card scams, high earners living paycheck to paycheck, reverse cord-cutting, investing (in) teenagers, more Zillow Offers, putting rent on a credit card, & keeping banks from closing your credit card.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jun 25, 202129 min

Ep 374Is Lifestyle Creep Inevitable? #374

Most everyone out there has heard of lifestyle creep, also known as lifestyle inflation. We define this phenomenon as the unconscious upgrading of our lifestyle and standard of living which ends up costing us more and more money. And aside from the ability of lifestyle creep to sneak up on us, one of the other dangers is that it is often difficult to turn back the clock and downgrade our standard of living! So we’re asking the question today- is lifestyle creep inevitable? In this episode we discuss some widespread examples of lifestyle creep in our society, why it happens, and how we can thwart lifestyle creep from derailing our personal finances.During this episode we enjoyed a Hobnail by Urban Artifact Brewing- thanks Sondra for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jun 23, 202141 min

Ep 373Crisis-Proofing Your Finances with Michelle Singletary #373

Michelle Singletary is an award winning personal finance columnist for The Washington Post. She’s also a frequent contributor to NPR and she has also appeared on NBC’s “Today Show” and CBS’ “The Early Show.” Michelle has written multiple books on personal finance and her latest book, “What To Do With Your Money When Crisis Hits,” was just published last month. Not only is it an incredible resource for folks who find themselves in difficult times, but it’s also chock-full of practical money advice to implement even during the best of times. It’s the kind of advice that your grandma would approve of! Listen as we get to talk with Michelle Singletary today and as we learn more about her book.During this episode we enjoyed a Squeezebox by Urban Artifact Brewing- thanks Sondra for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jun 21, 202149 min

Ep 372Friday Flight - Quitting Your Job, Micro Weddings, & A Hefty Credit Card Sign-Up Bonus #372

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: micro weddings are here to stay, The Great Resignation, increased employee benefits, acquiring new skills, solid 529 plans, parent PLUS loans are the worst, making millions from speed cameras, vehicles are lasting longer, spending more money on restaurants than groceries, and the best credit card sign-up bonus.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jun 18, 202128 min

Ep 371Using Financial Stress to Your Advantage #371

During today’s episode we’re going to explain how you need more financial stress in your life!.. Well, not quite, but we do think that the proper amount of stress in our lives can be helpful in achieving the money goals we’re pursuing. All things in moderation though- just like you want to avoid having too much of a good thing, we obviously want to avoid overwhelming stress in our lives. But the thing is, it’s oftentimes not even the stress itself that is bringing us down, but the negative coping mechanisms and habits that we turn to that can be the most destructive, and that can cost us the most. We believe that by reframing how you view stress and by putting it in the proper light, you can use financial stress to your advantage. Listen and we’ll explain how!During this episode we enjoyed a Coconut Stout by Easy Chair Brewing Garage- thanks to Jess for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jun 16, 202136 min

Ep 370Ask HTM - Stashing Money for 3-6 Years, Ways to Teach Kids About Investing, & Taxes on Summer Jobs #370

We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo!1 - Where do I put money for the next 3-6 years for a home purchase?2 - What should I keep in mind as I’m considering becoming a financial counselor?3 - Will our teenager need to file taxes for his summer job?4 - Can I use my credit card as an emergency fund so I can invest my savings?5 - What’s the best investment account for teaching kids about saving and investing?During this episode we enjoyed a Peach Seltzer by Easy Chair Brewing Garage- thanks to Jess for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jun 14, 202139 min

Ep 369Friday Flight - Free Fancy Phones, Inflation Surging, & Crypto in your 401k #369

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: renting vs buying, actual cost of homeownership, inflation is surging, shrinkflation, post-pandemic spending sprees, how your 401(k) balance isn’t all yours, crypto in retirement accounts, free fancy phones, & Ally dropping overdraft fees.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jun 11, 202126 min

Saving for College is Overrated #368

For most financially responsible parents out there, it’s not a question of if they should be saving for their kid’s college, but how much. Oftentimes parents are wondering how much they need to save in order to be performing their proper parental duty. But we’re taking a more counter cultural stance and are asking the question: should you be saving for college at all? We’re all about thinking in advance and ensuring that we’re properly saving and investing our money, but for a lot of folks, the answer is that they shouldn’t be putting any money towards their child’s future college expenses. Listen as we discuss the benefits of not saving for your kids college, when you can actually start putting funds away in a college fund, and then ways you can go about it properly.During this episode we enjoyed a Coconut Stout by Easy Chair Brewing Garage- thanks to Jess for donating this one to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jun 9, 202142 min

Ep 367Jargon-Free Money Help with Two Cents #367

For this episode we sit down for a great conversation with Philip Olson and Julia Lorenz-Olson. As a newly married couple, they transitioned from theatre kids fresh out of college, to money experts as Philip and Julia now own their own financial planning firm in Austin Texas. They also host the PBS YouTube channel Two Cents, where they tackle various personal finance topics ranging from ‘How Cars Keep You Poor’, to ‘Retiring in Your 30s’. Julia and Philip are able to channel their passion for acting and production into videos that inform and illustrate these money concepts in ways that are completely relatable- they make personal finance entertaining and easy to understand! Listen for how they got started in personal finance, why they started creating YouTube videos, and why everyone needs more empathy when it comes to financial planning.During this episode we enjoyed a Big Le-Stout-ski by Bhramari Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jun 7, 202145 min

Ep 366Friday Flight - Fix Your Car, The Solution to Overthinking, & What’s a Better Gift: Stocks or Flowers? #366

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: dumb fees on prepaid debit cards, avoiding rising auto insurance rates, fixing vs replacing your car, preparing for student loans this fall, and what’s a better gift: stocks or flowers? And then after the break, Jon Acuff joins us to talk about how he once bought a package of 48 haircuts in order to save money. We get serious though and quickly discuss his new book, “Soundtracks: The Surprising Solution to Overthinking” where we cover the difference between overthinking and being prepared, how to determine if we have soundtracks that are keeping us from attaining our goals, and overcoming imposter syndrome.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jun 4, 202129 min

Ep 365Don't Trust Money Advice From These Folks #365

Who are you trusting with your money? We’ve all received some crappy advice at some point in our lives, but when it comes to our personal finances we need to make sure that we’re listening to the right folks. One of the reasons it can be so difficult today is due to social media and entertainment- there are a lot of self-appointed “experts” these days and it can be difficult to tell the difference between sound financial advice and an account or a show that’s meant to just amuse you. For most folks, it might be easier to sniff out a blatant scam where someone is out to swindle you. But potentially even more dangerous- what about the instances of friends or family members who think they’re giving us good advice? Those are situations where they probably have good intentions, but it’s just not the right advice for you. We run the gamut between headlines and social media to financial advisors, and we also discuss how you can determine if the advice you’re hearing is right for you.During this episode we enjoyed a Return of the Tripping Dead by Tripping Animals! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Jun 2, 202137 min

Ep 364Ask HTM - Getting a Mortgage with a Low Credit Score, Borrowing from a 401k, and Investing in International Funds #364

We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo!1 - Can I get a mortgage with a low credit score?2 - Should I borrow from my 401k?3 - After getting off to a late start to investing, should I focus on investing for retirement or buying a condo?4 - Should I pay for healthcare I don’t need in order to invest within a Health Savings Account?5 - Why don’t you guys invest in international funds?During this episode we enjoyed a Barrel Farm Bend #2 by Monday Night Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

May 31, 202140 min

Ep 363Friday Flight - Choosing Between WFH or Getting a Raise, A Better Way to File Taxes, & the Worst Way to Travel #363

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: more state vax cash incentives, small businesses on Google, right to repair laws, planned obsolescence, Americans like filing their taxes, more millionaires than ever, turning a profit on your wedding, choosing between WFH or getting a raise, pandemic unemployment assistance is phasing out, & the worst way to travel.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

May 28, 202130 min