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 know if my portfolio leans too conservative? 2 - Frugal or Cheap… what’s the best way to teach my...
Feb 05, 2024•54 min•Ep. 784
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: best sources for discounted travel, credit win for renters, interest rates x home prices, fake free filing, garbage furniture, secon...
Feb 02, 2024•35 min•Ep. 783
Today’s episode is all about getting out of debt as we talk with our new friend George Kamel! And it’s a good time to have this discussion as well since consumer debt, in particular credit card debt, has been on a tear over the past several years- we’re over the $1 trillion mark folks! And we’re lucky to be joined by George because not only has he personally climbed from a negative net worth himself, but he’s also a personal finance expert at Ramsey Solutions! George co-hosts the Ramsey Show as ...
Jan 31, 2024•54 min•Ep. 782
Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it! 1 - As I’m mapping out my financial future, what kind of returns should I expect from the stock market? 2 - Do...
Jan 29, 2024•46 min•Ep. 781
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: 1% Robinhood match with no caps, investing at all-time highs, active vs passive investing, more income ≠ more happiness, ‘new’ colla...
Jan 26, 2024•32 min•Ep. 780
Most folks have no problem spending their money. I hate to say it, but shopping is basically an American pastime! It certainly drives production as data shows that consumption is responsible for ⅔ of our economy. But not everyone indulges in retail therapy- hopefully the majority of listeners to the podcast are less likely to mindlessly spend. And there’s a certain subset of folks who actually struggle with the opposite problem: they mindlessly save . We frequently discuss Financial Independence...
Jan 24, 2024•52 min•Ep. 779
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 we tackle our HELOC after getting laid off? 2 - What are the best credit cards to consider for ...
Jan 22, 2024•51 min•Ep. 778
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: canceling Peacock & Prime, career cushioning, earning more in-person, AI in the warehouse club, no bait and switch car lots, sel...
Jan 19, 2024•32 min•Ep. 777
Over here at How To Money, we’ve experienced a lot of life over the years and typically the way the podcast works is that we share our firsthand account of something personal finance related. Save up 3-6 months of living expenses for an emergency fund? Of course. Investing in real estate and becoming a landlord? We’ve achieved that many times over. Pursuing entrepreneurship by scaling a podcasting sidegig into a full-fledged business? You’re listening to it! But when it comes to going on a cruis...
Jan 17, 2024•56 min•Ep. 776
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’s the point of sticking money in a Health Savings Account? 2 - Does it make sense to lease a car sinc...
Jan 15, 2024•53 min•Ep. 775
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: BTC for the masses, blending work and life, what are you optimizing for, a slowing job market, WFH fairness, Roth 401k revamp, IRA m...
Jan 12, 2024•34 min•Ep. 774
Our brains are hardwired to relentlessly believe that we don’t have enough. Michael Easter, our guest today, calls it the scarcity brain which is also the name of his recent book. And even though we know it’s definition, scarcity is likely a concept that few folks listening to this podcast have much experience with. At least in our modern age, we have enough food, shelter, and clothing on hand that the vast majority of folks haven’t felt the true impacts of real scarcity. In fact most of us have...
Jan 10, 2024•54 min•Ep. 773
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 - Does it make sense to buy a house with 5% down to avoid paying rent? 2 - What financial tasks should I cro...
Jan 08, 2024•44 min•Ep. 772
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: pennies and coinstar gift cards, fat 401k accounts and the wealth effect, 2024 is the year for student loans, 529 flexin, Christmas ...
Jan 05, 2024•27 min•Ep. 771
No matter how much dough you're raking in, there's always the chance you'll blow it all and end up at the month's finish line with a barren bank account. Studies show that 45% of folks who are high-wage earners, so we’re talking about individuals making more than $100,000 annually, that they’re living paycheck to paycheck as well! Sure, some financial situations could be solved with a higher income, but more often than not, we are the problem. We’re our own worst enemies as we move the goalposts...
Jan 03, 2024•50 min•Ep. 770
Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it! 1 - What is velocity banking and should it be something I consider doing? 2 - Are index funds too risky as my ...
Jan 01, 2024•47 min•Ep. 769
Enjoy a recent convo Joel had with Paco de Leon over at the Weird Finance podcast as they discuss how investing in relationships impacts your finances! 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 th...
Dec 30, 2023•52 min
Some folks will swear that taking a nap is bad for you. “It’ll throw off your circadian rhythm!” or “You’re being lazy- maybe it’s time to be more productive with your time!”. And of course, like many things in life, you could take it too far. For instance taking a nap while your friends are visiting or climbing in bed for 3 hours in the middle of the day will likely lead to poor outcomes- there will be negative downstream effects. But the reality is that a well-timed nap can bring a lot of bene...
Dec 29, 2023•49 min•Ep. 768
Think about the last novel you read that included a dangerous quest. If it’s a fantasy like the Hobbit, there might be giant spiders, goblins, and dragons- but in the end, it’s worth it because of the unfathomable treasure and riches that await them. The thing is, when we’re talking about investing in single stocks, the chance that this perilous journey ends up with a happy ending is much less likely, but folks continue along in their quest. Why? Maybe it’s because of the sophisticated tools tha...
Dec 27, 2023•45 min•Ep. 767
You know you can’t believe everything that you read on the web, right?! There are all sorts of myths, half truths, and straight up lies that can not only make us look foolish were we to believe them, but they can also separate us from our hard earned money and cause us financial harm. And it turns out there are a number of myths that pervade how many think about their credit scores. Some of this confusion has to do with the fact that different lenders reference different scoring models, so it’s ...
Dec 25, 2023•49 min•Ep. 766
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: Home Grown Comfy Chicken, leaning into divergent spending, asking for rent concessions, boarding house startup, comfy cash, abandoni...
Dec 22, 2023•34 min•Ep. 765
Are you a neat freak, or do you prefer to simply wing it? Here’s a thought exercise: How would you feel if your partner said, “We’re going to The Container Store!”? If you’ve never been before, it’s pretty self-explanatory; basically, a retailer dedicated to organizing everything from Christmas decorations to tools in the garage and shoes in the closet. But last I checked, they didn’t have anything specific to organize your personal finances. That’s why we're lucky enough to be joined by the wom...
Dec 20, 2023•58 min•Ep. 764
For a year that could be dominated by headlines of derailed trains, wildfires, and global conflicts, we think it’s important to focus on some of the good things that happened this year – and we’re not just talking about The Eras Tour! Not only do we share our financial wins from this year, but a massive number of How To Money listeners have been able to make significant strides with their own money. We love creating this episode, hearing what y’all have been able to accomplish, and sharing it wi...
Dec 18, 2023•55 min•Ep. 763
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: a $700 million contract, deadly debt, housing crash hopes, irritating institutional investors, meager housing supply, stock market p...
Dec 15, 2023•34 min•Ep. 762
To everyone who has decided to ‘take a break’ from your Zillow or Redfin apps: we applaud you! Whether you did it to cut back on your screen time, or simply because of sheer frustration as you’ve sensed that something was broken in the housing market, home affordability seems to be at all time lows. As you scroll through listings, there's this dark cloud of overwhelm, courtesy of the real estate starship we find ourselves strapped to. And even if prices taper off some- how are folks going to han...
Dec 13, 2023•53 min•Ep. 761
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 - We’re planning to have a baby! How do we financially prepare and what other advice do you have for us? 2 -...
Dec 11, 2023•52 min•Ep. 760
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: Disney+ with ads, affordable Christmas lights, EV apathy, the best time to buy an EV, drill baby drill, green tax credits, penalties...
Dec 08, 2023•32 min•Ep. 759
Don’t believe long-term tax planning is crucial? Here’s a new way to think about it: picture having a slow leak in one of your tires. Well if you just noticed your tire looking a bit flat, then of course head to Costco for some free air, get that tire back up to pressure, and move on with your day – it's a quick and effective short-term solution. But also keep in mind that you’ll have to eventually figure out a permanent solution, whether it’s a plug or a new tire that’ll last you for years. You...
Dec 06, 2023•53 min•Ep. 758
Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it! 1 - What is the best high yield business account that also pays the highest rate of interest? 2 - How can I us...
Dec 04, 2023•56 min•Ep. 757
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: Spotify wrapped gratitude, good IRS news for gig workers, happiness ain’t cheap, formerly FIRE, bougie babies, fast food inflation, ...
Dec 01, 2023•35 min•Ep. 756
