We, as human beings, avoid pain. Nobody likes to break their collarbone while snowboarding, cut their finger while chopping up some veggies, or even stub their toe on the leg of the high chair. And of course that immediate pain communicates to us that something is wrong- it keeps us from further hurting ourselves. But then oftentimes there is some inflammation or swelling that occurs after the fact. And that’s not a sign that you’re hurting yourself, but it can actually be the first steps that y...
Jul 27, 2022•46 min•Ep. 545
We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Is it ok to splurge on a cup of joe at my local coffee shop when my financial situation has gotten more burdensome? 2 - What are your thoughts on how we should be taxed here in the US? 3 - How much...
Jul 25, 2022•53 min•Ep. 544
Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead during these trying times. In this episode we cover some relevant and helpful stories like: European travel discounts, making yourself take some time off, rising costs of pet sitting, WTD with that drawer of...
Jul 22, 2022•35 min•Ep. 543
We talk a lot about finding free stuff on the side of the road, in HTM parlance, curb alerts! It’s a great way to reduce waste and save money if you’re able to find something that you’re needing, and it just so happens to be sitting there on the curb for you. But if you find yourself driving around town for a few hours every night after work in hopes that folks have abandoned a neat tchotchke that you may or may not actually need, then you might be dedicating too much time to the pursuit of free...
Jul 20, 2022•49 min•Ep. 542
For a certain subset of HTM listeners, it might be easy to not see the forest for the trees. You might naturally be drawn to the finer details of personal finance like expense ratios and Excel formulas in an attempt to ensure that you’re living the most efficient and optimized life that you possibly can. But, that’s when the subtle shift can take place. That’s when the means to the end begins to overshadow the actual end, which for many is to simply live a good and happy life. Instead, we should...
Jul 18, 2022•53 min•Ep. 541
Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead during these trying times. In this episode we cover some relevant and helpful stories like: we’ve got socks!, Joel’s top Costco picks, house hacking to live rent or mortgage free, monthly savings rate in the...
Jul 15, 2022•32 min•Ep. 540
A friend of ours writes a daily newsletter, and he recently featured a 74 year old named Paul who has lived inside of an iron lung since he was six years old. Paul was completely paralyzed due to polio from the neck down, and his disability means a life that most of us could barely imagine. But that didn’t stop Paul from achieving many goals over his lifetime- he taught himself to write with a pen in his mouth, he earned a college degree, and even went on to become a lawyer! We share this to hig...
Jul 13, 2022•43 min•Ep. 539
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 - Does it make sense to buy an RV in order to avoid high real estate costs? 2 - How wealthy will my girlfriend get after earning her master’s degree in counseling? 3 - Given the recent volatility of ...
Jul 11, 2022•55 min•Ep. 538
Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: measuring the value you get from Amazon Prime, fueling your addiction with Jackpocket, borrowing to invest, buy now ...
Jul 08, 2022•29 min•Ep. 537
Some things sound really good... until they aren’t. Like when your kids say they’re going to spend all of their money at the candy store and how they’re going to eat ice cream every night of the week. Sure that sounds tempting now, but the reality isn’t quite as rosy. As you grow older you realize that there are constraints that prevent you from a diet like that- namely the health issues that would arise! We think that something similar is happening to the Financial Independence Retire Early mov...
Jul 06, 2022•46 min•Ep. 536
Happy Independence Day! We’re marking the occasion by talking with Sam Dogen- one of the pioneers of the Financial Independence Retire Early movement. Sam is the founder of Financial Samurai which he founded over 10 years ago. He retired at age 34 after a career at Goldman Sachs, but then came out of retirement as retired life was a bit too boring for him! He has written over 2,100 articles at his site and now his new book “Buy This, Not That” is about to be released very soon which is an excell...
Jul 04, 2022•59 min•Ep. 535
Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: the IRS backlog continues, free goods from Amazon, bullwhip effect leading to sales on the horizon, imposter syndrom...
Jul 01, 2022•32 min•Ep. 534
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 after we wrestle the kids down for naptime, while we’re away at the beach! Specifically during this episode we fielded some questions from the Facebook group and the ladies answered what their current splurges are, thoughts on moving our families to the burbs, ways to keep the grocery budget down, when we got financially naked, how to match differ...
Jun 29, 2022•59 min•Ep. 533
We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - How much risk is too much risk as I’m looking to grow my online business? 2 - What is your car buying philosophy- new, used, or lease? 3 - My income is fluid and irregular- how am I able to create ...
Jun 27, 2022•51 min•Ep. 532
Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: we curb alerted ourselves, imposter Instagram accounts, what would you do for a bungalow, screaming mortgage rates, ...
Jun 24, 2022•27 min•Ep. 531
You can’t escape summer! Whether you’re baking under the sun at your local pool on the weekends, or setting off on adventures with your kids during their summer break, the changing season and warmer temperatures signal that it’s summer break. Just like summer impacts basically everyone, so does the price of a gallon of gas increasing at a previously unseen rate. Even electric vehicle owners aren’t immune to the rising prices- though there’s gotta be a palpable sense of relief every time you plug...
Jun 22, 2022•52 min•Ep. 530
Today’s interview completely revolves around technology and we’re excited to have Kevin Roose joining us today. Kevin is an award-winning tech columnist for the New York Times, and a Times bestselling author of three books: Futureproof, Young Money, and The Unlikely Disciple. He is the host of the “Rabbit Hole” podcast, and writes and speaks regularly on all topics related to our modern age including automation and AI, social media, cybersecurity, and digital wellness. But today, we are narrowin...
Jun 20, 2022•59 min•Ep. 529
Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: signing up to be a squid game contestant, why it’s good news to officially enter a bear market, auto-enrolling leadi...
Jun 17, 2022•29 min•Ep. 528
It’s an understatement to say that the political discourse in our country is a mess! And the problem isn’t that you just disagree- that you think someone on the other side of the political aisle has the wrong opinion. That’s certainly a part of it, but the major political issues of the day that Americans are rightly discussing require patience and a nuanced understanding of different ideas to make progress. Instead, we have anonymous accounts on social media, partisan media, divisive rhetoric fr...
Jun 15, 2022•48 min•Ep. 527
We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - How detailed should we get with our monthly budget - should we break out individual items on receipts? 2 - What kind of pre-tax-post-tax balance should I strike when contributing to retirement acco...
Jun 13, 2022•48 min•Ep. 526
We’ve all heard about the minimalist lifestyle- maybe you’re picturing a bearded hipster drinking coffee in his perfectly white dining room or an Instagram worthy, perfectly styled modern kitchen. It turns out that’s not what minimalism is all about- it’s about priorities. We felt that that summer is a great time to hit reset on a number of things in life, including the vast amount of clutter that many of us surround ourselves with. Here to talk with us today about minimalist living is Joshua Be...
Jun 10, 2022•55 min•Ep. 525
Think back to when you were a kid- can you remember an instance where you asked your parents a question, and instead of explaining the actual answer, they just said “Because I said so”. How frustrating! Or maybe in middle school you were horrified to even be seen with your folks in public because of something they were wearing. You’d say to yourself “I’m never going to be like parents!”. Well that was us to a T, and we always thought we’d be intown city dwellers. Well times have changed and so w...
Jun 08, 2022•49 min•Ep. 524
We’re joined by fellow Atlantans- our friends Julien & Kiersten Saunders! They started their site Rich & Regular back in 2017 after they threw themselves into the financial independence movement and paid off $200,000 in debt. They’ve been featured virtually everywhere- the Times, the Atlantic, Bloomberg. They’re successful speakers, created a fantastic Youtube series called Money on the Table, and now they’re about to be published authors! Their book “Cashing Out: Win the Wealth Game by ...
Jun 06, 2022•54 min•Ep. 523
Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: perpetual quitting, the second hand surge, stepping away from social media and work, going prairie style to combat h...
Jun 03, 2022•29 min•Ep. 522
Imagine hopping on a flight to visit your parents on the other side of the world. You don’t avoid flying by plane because there’s likely going to be some turbulence- a few rough patches are to be expected. You take advantage of the modern marvel of a transatlantic flight and you go and see your family! Similarly, the stock market is the greatest wealth creating machine in history- it’s amazing! Investing in the market to achieve millionaire status has become possible for a much wider swath of fo...
Jun 01, 2022•45 min•Ep. 521
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 buy ETFs or mutual funds when investing within a taxable brokerage account? 2 - What should we do with the proceeds from selling our house? 3 - As we achieve FIRE, how do we go about easil...
May 30, 2022•49 min•Ep. 520
Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: last call for the $1,000 travel credit card welcome bonus, babysitters making bank, most folks are sour on stocks, p...
May 27, 2022•25 min•Ep. 519
The CDC definition of a parasite is: an organism that lives on or in a host and gets its food from or at the expense of its host. They’re not necessarily out there to completely destroy you- at least not immediately. Instead they want you to go on living your life, so that they can leach as much as they can while they get fat and happy, hopefully without you even noticing. And that’s exactly how we feel about crappy financial products except they’re not feasting on your blood, they’re feasting o...
May 25, 2022•49 min•Ep. 518
It’s time to get your financial butt in shape! Our guest today, Ericka Young, is the financial coach that she never had! As a newlywed couple, Ericka and her husband discovered that it’s actually pretty easy to become just like the average US household that now has over $150,000 in debt. It’s the norm and if you don’t have a plan to avoid debt, you will likely find yourself falling into that trap! But that’s not the path that Ericka continued along- she was determined to change her family tree, ...
May 23, 2022•56 min•Ep. 517
Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: CapitalOne bonuses, free at home Covid tests, too busy to budget, waiving home inspections in a cooling housing mark...
May 20, 2022•28 min•Ep. 516
