How to Money

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 dial back my 401k contributions to build up an emergency fund or can I just rely on my HELOC? 2 - How should I respond to a denial letter on a rental application I filled out? 3 - I want to purchase some land but what factors should I keep in mind as I consider this investment? 4 - Is it worth going with my state’s 529 plan for the tax break… even if the fees are much higher than average? 5 - “3x your salary saved by age 40”, is this a rule of thumb that I should go with?   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 Indominus by Bold Monk! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or 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: tariffs as a hard sale, appealing ARMS, building booms = rent declines, stagnant realtor commissions, iterating investments, future you and crap sandwiches, exclusive social clubs, skipping to the front of the line, college cost cuts, free degrees, T-Mobile raising rates, the most affordable cell phone plan, and buy once cry once.   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.

We argue that money itself isn’t a good or bad thing, it’s not holy or evil, but we do think it comes down to what you do with it that makes the world a better or worse place. That message is also at the heart of Derrick Kinney’s best-selling book “Good Money Revolution”... what are you doing with your money, what actions are you taking? That’s at the crux of the matter. And we’re joined by Derrick whose mission is to inspire individuals to use their wealth to align with their personal values, and to actually strive to make more money so they can create even more of a positive impact in the world! We discuss identifying your generosity purpose, putting together a plan to giving your money away, how it pays approach your W2 with the attitude of an entrepreneur, and plenty more 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 Lower Falls IPA by Highland 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 - What should I do after losing my job during the recent mass government layoffs? 2 - Money is tight, so should we sell our condo that we’ve been renting for the past two years? 3 - I’d like a secondary source of income that generates $60,000 annually- should I consider ETFs, REITs, or traditional real estate? 4 - Is the Costco Anywhere Visa worth signing up for? 5 - How do I analyze whether buying a home is worth it if we’re only going to be there for five years?   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 Founders KBS! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or 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: Uber vs Lyft, tariff tantrums, Southwest succumbs, there’s a coach for that, investing your emergency fund, tapping the 401k, Chase blocking Zelle, unpaid toll scams, the greatest grocers, senior discounts, and free energy audits.   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.

Living on one partner’s income, stepping away from corporate America, firing up a serious side hustle… these are just a few of the topics we’re discussing with our guest today. Shang Saavedra is a financial coach, founder of the site Save My Cents, and now author of the new book “Wealth is a Mindset.” Shang lives at the intersection of mental health and financial wealth, and she uses her own personal experiences, like achieving financial independence by the age of 31, to help others to achieve their own financial goals. We discuss ambition, living in NYC, making sacrifices for a better future, and plenty more during our episode 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 Three Headed Monster by New Realm! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or 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 be wary of changes made to my 401k match that are actually more generous? 2 - I already have my own long term disability policy in place, but should I drop if for one provided by my employer? 3 - How can I continue to contribute to my Roth IRA if I expect my income to continue to rise? 4 - What’s the best way to book a deal on some upcoming travel? 5 - Is it frugal or cheap to only charge my EV during off-peak hours?   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 Birramisu by Six Bridges 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 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: more cultural events means less depression, student loan shakeup, credit score drops for borrowers, best new cars, totaled cars leading to paying out of pocket, e-bike rebates, doom spending, mounting mini-stagcession, affordability czar, and the national crypto reserve.   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.

“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.

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 - Cash back or travel points credit card… aren’t the rewards basically the same? 2 - Should I continue to let my investments in my taxable brokerage account continue to grow or should I focus on my mortgage? 3 - What factors like size and location should we consider when buying our first apartment? 4 - Does it make sense to pay for a credit lock with the 3 major credit bureaus? 5 - Can you help me understand Joel’s Costco Instacart hack?   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 2025 Bigfoot 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!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: renting the fancy clothes, lowest cost airports, the frequent flier switch, going abroad on a budget, secondary credit card benefits, referral bonus taxation, (not so) unlimited PTO, saving the most with health sharing, ghost tax preparers, DIY vs tax pros, brainless borrowing, updated Money Gear #1, and DOGE dividends.   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.

The price of gas, the price of eggs and milk- these are the kinds of expenses that we’re very sensitive to as consumers because of how frequently we make these purchases. And don’t forget visibility of course with the price per gallon essentially plastered on electronic billboards we consistently drive past! But the cost of insurance feels like the exact opposite. We rarely shop for coverage, it’s not often discussed, and automatic payments insulate us from rising premiums. In the case of homeowners insurance there’s an additional layer of insensitivity in the form of escrow. But insurance is becoming more of a burden and here to tackle this problem is Lisa Gill from Consumer Reports. Lisa is an investigative journalist and we’re going to discuss everything from wildfires to prescription drugs, what to do if you receive an insurance cancellation notice, the steps to take when you receive a medical bill that’s way too high, and much more during our 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.   During this episode we enjoyed a Primordia by Freak Folk Bier! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or 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 - What do I do about money being taken out of my savings because of a student loan I co-signed? 2 - Should I invest in a 401k with unfavorable terms or my brokerage account instead? 3 - Is it worth paying extra for direct indexing, given the additional benefits like tax loss harvesting? 4 - Do I link a credit card or a savings with a debit card, to my 11 year old’s Apple Watch? 5 - If I had to choose one: IRA or HSA?   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 Tiny Esses by Prairie Artisan Ales! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out!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: Joel’s portable pop up sauna, cooling housing market, horrible HOAs, federal layoffs, financial resiliency with a Bare Bones Budget, affordable iPhones, the cheapest cell coverage, renting roosters, forsaking fast food, craft beer tariffs, investing to overcome inflation, 401k retirees, and VOO FTW!   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.

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.

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.

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: biltong on a budget, culling of coins, financial fights, trad money, BTC is for kids, college level personal finance, phantom wealth, manifesting more money, improvident internet, squandering streaming, more taxes for more internet, and taking the long view on taxes.   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.

We’re not burying the lede on this episode- we’re talking about the most pressing policies in government today and how they’re likely to impact our personal finances! One of the benefits of hosting your own podcast is that you have the opportunity to speak with some amazing folks who are much smarter than you- and that is definitely the case today. We’re joined by economist Noah Smith, author of the substack Noahpinion where he takes big complex economic ideas, and makes them easier to understand for the common folk like us! This is a change of pace because we tend to focus more on microeconomic factors… that being said, it’s good to take a step back and look at the big picture and to understand what’s going on with the water that we’re all swimming in, to reference David Foster Wallace. Given all that’s been going on lately with tariffs, this is a more timely episode, but we’re also pumped to get into declining birth rates, government spending, the state of the overall economy, how effective DOGE will be, the three key technologies of our day, and plenty 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 Melvin by Freak Folk Bier! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or 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 sell a rental property in order to make higher returns in the stock market? 2 - What FIRE books would you recommend as I’m interested in early retirement? 3 - How would you recommend paying for an expensive medical procedure for my dog? 4 - Do you recommend investing via crowdfunding platform Arrived? 5 - Does it make sense to pay off our car loan before attempting to sell it?   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 Bourbon Barrel Drafty Kilt 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.

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: cheap Valentines tips, Trump’s tariff tussle, home construction and renovation costs, end of the CFPB, paying eggs-stra, WaHo surcharges, shell shocked, don’t buy the dip, a wealth of common sense, Vanguard cutting fees, ESG funds are out, Robinhood betting, and gaming your kids credit scores.   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.

You don’t need to be a personal finance and investing nerd to know that Warren Buffett is the GOAT. When it comes to investing, he’s the greatest of all time. Which is why we’re so pumped to be speaking with David Clark about The New Tao of Warren Buffett that he co-authored with Mary Buffett, which is a collection of some of the wisdom that Warren has dispensed over his lifetime. David is a renowned author and expert on the investment strategies of Warren Buffett and he’s known for making Buffett's complex strategies accessible to investors of all levels. And having been a friend of the Buffett family for decades, David has some unique insights into Warren’s life that we’re excited to share and get into during this conversation!   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 Space Broccoli 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.

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 investments should we deprioritize in order to afford expensive childcare? 2 - Where should I take my HSA now that I’m experiencing higher fees with Fidelity? 3 - Is it frugal or cheap to go with a more generic tire for my car as opposed to the name brands I’ve heard of? 4 - Should I be concerned with CapitalOne if I bank with them? 5 - How much should the tooth fairy pay per tooth in order for kids to learn about investing?   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 Rum Barrel Aged 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.

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: credit card relegation, cheap Chinese AI, portfolio flipping, lab-grown savings, free tax filing, reporting side hustle income, tax refund points, digital shoplifting, outpacing inflation, minimum payment purgatory, the future of electric vehicles, reasonable EV leases, and Subaru security slips.   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.

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 - Is a stocks only portfolio diversified enough for financial independence or do I need to include real estate? 2 - What’s the best way to get rid of an RV that I’m upside down on? 3 - Where should I park cash that I’m saving up for a down payment, or should I invest those funds? 4 - For my credit score: is credit utilization calculated on each individual card or the total credit available across all of my 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.   During this episode we enjoyed an Ash by Humble Forager! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out!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: NO to the cash-out refi, Trump 2.0 and your money, Melania coin, feds returning to the office, insufficient savings, ghost jobs, WFH job scammers, TOYS are a scam, why the rise of touchscreen kiosks, everyone is tipping less, ballooning escrow accounts, & apartment rents on the decline.   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.

When most folks hear the word “sabbatical”, their mind probably goes to a professor with a tweed jacket, who has earned tenure at a prestigious university, who is going to use that time to write a book. Or maybe your values are more Judeo-Christian based and so you think of a period of rest after 7 years. And while that might be accurate for some folks, our guest today would say that sabbaticals don’t have to be that serious or formal. But on the other hand, they’re not just an extended vacation where you’re sipping pina coladas on the beach! We’re joined by investment advisor Cady North who is the author of “The Art of the Sabbatical” and she’s going to share why taking a sabbatical might be more of a reality for everyone listening. She shares why work breaks are more necessary in our modern economy, what a sabbatical is and isn’t, how to approach the idea with a spouse or partner, gathering the social support around you ahead of the decision, parlaying the benefits when you return to your job, a simple formula for being able to take a sabbatical every 5 years, and much more 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 Ticker Shock 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.

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 you financially justify investing more in your house as opposed to investing in the stock market? 2 - Is it time for me to shift to more conservative investments within my 8th grader’s 529 Account? 3 - With a big dental bill coming up, should I use funds from my taxable brokerage or from my Health Savings Account? 4 - Being self employed, how can I ramp up my retirement savings with a sweet one year contract coming up?   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 Reciprocal by Bissell Brothers! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or 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: vetted LA wildfire charities, awful AI advice, booming BNPL, finding happiness in all the wrong ways, spending to please others, crack cocaine of the stock market, sports gambling, unserious CFPB, Skechers kicking butt, the rise of store brands, and frittering away on fitness.   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.

SMART goals are out, CRUSH money goals are in! We’re joined today by expert money coach Bernadette Joy, who we met for the first time last year at the nerdy personal finance and media conference that we attended. We actually gave a talk, while Bernadette was the host for the entire conference, and there may not be anyone else on earth with as much personal finance enthusiasm as Bernadette. She’s a breath of fresh air to the world of personal finance and is featured monthly in Forbes, CNBC, and CNET. Her new book, Crush Your Money Goals, came out last month and we were stoked to discuss a number of topics like clawing out of $300,000 of debt, scaling side hustles into legit businesses, why Bernadette hates the term “emergency fund”, her $1 Rule, a new take on the Shabbat, and plenty 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 Asahi Super Dry! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or 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 - 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.

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: low cost insulation, best months to buy new and used cars, thousand dollar car payments, bougie extra bedrooms, what medical debt?, credit score supremacy, avoiding alts, risky business, points purgatory, credit card defaults, and gift card spillage.   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.

What does it mean to pursue joy and purpose in your life? Is it some sort of never-ending scavenger hunt, where we’re hoping to find something that is just out of reach, hidden behind the next corner? Or is it something that we’re able to achieve because it’s something that we’ve created? Our guest today would argue that it’s more of the latter! We’re joined by our friend Dr. Jordan Grumet to talk less about the what and the how behind personal finance, and more about the why, and how our money is one of many tools that will allow us to achieve our individual sense of purpose. His new book, The Purpose Code, delves into these amorphous topics in a way that allows readers to have clarity, understanding, and even a to-do list as Jordan prescribes some simple actions that we can take now that will allow us to surely but steadily find fulfillment. Listen as we discuss the difference between “Big P” purpose vs “little p” purpose, the intersection of happiness and money, one of the foremost markers of a happy life, and plenty 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 Coffee Lager by Steel Hands Brewing – a massive thanks to Mary S. 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.

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 - When is it finally time to ditch an old car and upgrade? 2 - Is it frugal or cheap to live off of only my wife’s income, in order for our son to qualify for more financial aid? 3 - Should I drop the escrow on my mortgage and take care of taxes and insurance myself? 4 - Buying silver at Costco… smart? 5 - Is it a good investment to go with an ESOP to buy Walmart stock?   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 Volcano Sauce by Aslin Beer Co! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out!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: trad hobbies, getting fit on the cheap, gig economy update, Social Security reliance, accessible financial advisors, AI stock tips, binge shopping, top 2025 money goals, hating on Honey, and going after Zelle.   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.

We’re going all-in today on budgeting with our special guest Jesse Mecham! There are a number of folks listening who might recognize his name, but I’m guessing even more folks are familiar with the company he started back in 2003 while he was still in college: You Need A Budget, or YNAB as it’s commonly known. Millions of individuals have used YNAB to get on a budget which has allowed them to achieve their life-changing financial goals. Whether that’s simply paying off debt or the complicated endeavor of getting on the same page as their partner. Jesse has likely thought more about budgeting over the past 20 years than anyone else out there, so we’re excited to talk with him about all the things that he’s learned over the years. Listen as we discuss why you need a budget in the first place, Jesse’s 4 rules of budgeting, how often you should spend on your budget every month, his approach to credit cards and debt, plus 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. Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.   During this episode we enjoyed an Igneous IPA by Hutton & Smith! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or 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.

For a year that was dominated by headlines of destructive hurricanes, cyberattacks, and political uncertainty, we think it’s more important than ever to highlight some of the good things that happened – and no, we’re not talking about Joel’s Costco rebate check! Not only do we get to share our personal financial wins from 2024, but an incredible number of How To Money listeners have achieved major milestones with their money this year. Creating this episode always fires us up, and we hope it does the same for you! From hanging onto an old 4Runner to keep costs in check, to flying to Hawaii four times for free with a Southwest Companion Pass, and maxing out a 401k for the first time, all the way to hitting millionaire status and getting dentures to save! The stories we’ve heard are nothing short of inspiring and we hope today’s episode not only helps you celebrate these wins but sparks ideas and provides some motivation for some epic financial moves in 2025. Here’s to learning from each other, crushing goals, and making it happen together!   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 Falling Star 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.

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.

We hope that you’re having a wonderful holiday season. And if you celebrate Christmas, or any holiday that involves the exchange of gifts- isn’t it so much fun giving presents and seeing the faces of your loved ones light up? And while that might be the case on Christmas morning, it’s a different story later in the day for many adults and kiddos alike. There’s frequently a post present letdown that many of us experience. Either there was something we wanted that we didn’t get, or the gifts that we did receive aren’t quite as awesome as expected. They don’t make us happy and we easily fall into the trap of pursuing happiness in all the wrong ways. Of course on the surface this is something that you already know, but while many of us would say that we agree with this sentiment, we actually end up living our lives in contradictory ways. In this episode we detail some of the different ways that we’re chasing after happiness, but then we discuss two different types of happiness and how we can make sure that we’re pursuing the kind that will last.   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 Mile High Salute by Mutation Brewing- a big thanks to Jack and our friends there at the 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.

Talking with your parents about their finances might prove to be a very difficult conversation- discussing religion and politics may even seem like a walk in the park compared to breaching the topics of retirement, long term care, and wills. Which is why we’re so thankful to have Cameron Huddleston join us to explain how we can go about having these essential conversations with our parents. She has recently published her book “Mom and Dad, We Need to Talk” and she is here to walk us through initiating and leading these conversations with our parents about their finances. Thank you, Cameron, for breaking this down for us and encouraging us to get started!   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 Fairy Nectar by Kros Strain Brewing Co- a big thanks to Joey in Omaha for donating this 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.

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: Costco Instacart HACK, stockpiling before the tariffs, travel trade-offs, working from HELM, international stock exposure, fake T-Mobile fees, axed overdraft fees, memecoin madness, homebuyer closing scams, Fidelity insights, positive downstream effects of homeownership, & housing inventory spikes.   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.

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.

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 - I feel awkward about haggling with locals while on an expensive cruise- help! 2 - Should I really invest my HSA dollars? I’ve heard that the fees make it prohibitively expensive. 3 - My friend says that what my portfolio is missing is cash value life insurance. True or false? 4 - How do I know if I’ve saved enough for retirement and can slow down my investments? 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 Pecan Pie Porter by Clown Shoes! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or 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: exorbitant EV charging, overrated walkable neighborhoods, ruined coffee crop, more expensive YouTube TV, tinkering for worse returns, interminable trading, Health Investing Accounts, retiring with credit card debt, terrible Ticketmaster, being forced to sell, cooling home prices, shopping malls to the rescue, & transforming student loans into 401(k)s.   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.

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 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 - My grandparents set me up with an UTMA… what should I do with that money? 2 - Are the student loan repayment calls I’m receiving, legit? 3 - I’ve realized paltry returns from my Betterment account… is it time to cut bait? 4 - What’s a good savings challenge to jumpstart my investing in the new year? 5 - Should unrest in the US push me to invest in gold? 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 Oatmeal Raisin Cookie Quad 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.

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: car loan deferment ripoff, keen on cash, speedy deliveries, porch pirate insurance, hoarders vs minimalists, AI granny, billions in airline seat fees, timing of tariffs, DIY car repairs, launchpad jobs, and interning your way to the top. 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.

For this episode we might need to adopt a new, honorary name for our podcast – maybe How NOT to Money since this is going to feel at odds with what we typically discuss here on the show! And that’s because ‘budgeting’ is almost synonymous with ‘building wealth’ and living the kind of life you want, but our guest today is offering an alternative to traditional personal finance advice in favor of empowering and flexible strategies. We’re joined by Dana Miranda, author of the new book “You Don’t Need A Budget” which comes out later this month. Dana is a Certified Educator in Personal Finance and is a contributor to the NYT, The Penny Hoarder, and The Motley Fool just to name a few. She is all about building a financial life that works for you as an individual – she’s flipping the personal finance script, ditching the budget, and reimagining your relationship to money entirely, enjoy! 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 Silent Accord by Six Bridges! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or 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 - How do I convince my in-laws that they’re wasting money by financing a car when they can pay cash? 2 - What kind of impact will saving in a 529 account have on my son’s ability to score financial aid? 3 - Should I choose a state provided pension or go with an Optional Retirement Plan (ORP)? 4 - Is there a way to run a cost benefit analysis on a home security system? 5 - Where should I turn for a solo 401k? 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 Lizard King by Pipeworks 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.

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: Joel’s price match win, egregious store card rates, brick & mortar shopping, physical catalog resurgence, generous happy people, Robinhood x Daffy, thermostat tug of war, too many toys, toilet scrubbing over bank account peeking, student loan servicer mess, Amazon Music audiobooks, & unassuming entrepreneurship hubs. 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.