How To Money

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: Kumiko Love book giveaway, what to do about the stock market slump, why ESG funds aren’t all that, 4-Day Workweeks on the rise, financial infidelity among Gen Z and Millennials, cell phones (good cheap ones, turning an old one into a security camera, & why you should keep it locked), & affordable generic prescription meds.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and

Do you remember the Seinfeld ‘car reservation’ episode? It’s one of the best. Jerry gets to the car rental counter and they don’t have a car for him. He says “See you know how to take a reservation, you just don’t know how to hold the reservation. And that’s really the most important part of the reservation, the holding!” That’s what we’re talking about today because you might know how to get out of debt, but do you know how to stay out of debt? You might find yourself digging out of debt every year when January rolls around. Holiday spending has a habit of sneaking up on most folks and you might be dealing with that financial hangover right now. Listen as we tackle concepts like lifestyle inflation, stoicism, accountability, and other practices that will allow us to kick debt to the curb for good.During this episode we enjoyed an Empress Rising Mole by Birds Fly South! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not al

We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!1 - Should I continue investing in my Acorns account or pay off my student loans?2 - Where should I invest money for a wedding?3 - Does it make sense to deduct depreciation on real estate, even when the IRS recaptures that depreciation when I sell that property?4 - How do I go about converting a non-deductible traditional IRA to a Roth IRA?5 - As I have a little one on the way, can you share some of your money saving baby hacks?During this episode we enjoyed a Hatch Me Outside by Crosstown Brewing - a big thanks to Ben for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: free Covid tests, Roth 401k options abound, the embarrassing issue of 401k leakage, the best way boost your income, employer matches on the rise, cheapo bikes that are made to fail, higher insurance rates, the best times to travel, & the time to refinance is now!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 awe

Better know a podcast host! Oftentimes here on the podcast we talk about our daily lives. We’ll share little ways that we’re saving money, or you get to hear about our curb alert scores, and we might even talk a little too much about how much we’re riding our bikes. So if you’ve been listening for a few years you might know a good bit about us- that happens after 463 episodes! But we’ve never done a deep-dive origin story on the show and what better time to do that than here at the beginning of the year. So during this episode you’ll get to learn all about Joel’s money origin story- favorite jobs as a kid, how a bankruptcy shaped his early perceptions of personal finance, switching colleges to avoid taking on more student loans, his splurge as a single professional, and pursuing financial independence through investing in real estate.During this episode we enjoyed a Woodland Pursuit by Humble Forager! And please help us to spread the word by letting friends and family know about How to Money! Hit the share bu

We all have friends who have different specialties- different areas of expertise. For instance you know who to call if you need a plumber recommendation, or you know which friend has the best beach recommendations on the gulf- well Leanne Brown is our go-to person when it comes to eating really well, but for less. Leanne is our ‘friend in the kitchen’ and her New York Times bestseller “Good and Cheap” is now free and has been downloaded millions of times. And now her new cookbook “Good Enough” was just published last week- it’s a mix of essays, personal stories, and delicious recipes as she also acknowledges the fear and anxiety many have when it comes to cooking. She explains how eating great isn’t about expensive gadgets or ingredients, how we all need some low-effort meals in our repertoire, picky eaters, meal delivery services, and more!During this episode we enjoyed a BA Stout by Easy Chair Brewing Garage- a big thanks to Jess for donating this delicious craft beer to the podcast! And please help us to s

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: the big tax-prep software companies opt-out of IRS Free File, 1 in 7 workers are now remote, invasive inflation on car and home taxes, crypto scams and celebrity lawsuits, buy now pay later counting towards your credit score, credit bureau ineptitude, debt repair companies are pointless, & the push to limit insider trading by members of Congress.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

Oftentimes here on the podcast we talk about our daily lives. We’ll share little ways that we’re saving money, or you get to hear about our curb alert scores, and we might even talk a little too much about how much we’re riding our bikes. So if you’ve been listening for a few years you might know a good bit about us- that happens after 460 episodes! But we’ve never done a deep-dive origin story on the show and what better time to do that than here at the beginning of the year. Especially as we’re likely welcoming some new listeners to the fold. So during this episode you’ll get to learn all about Matt’s money origin story- how he was taught personal finance principles, his money struggles growing up, why he shouldn’t have opened a Roth IRA, and how Downton Abbey helped Matt and his wife Kate discover financial independence.During this episode we enjoyed an Athena Paradiso Blackberry by Creature Comforts! And please help us to spread the word by letting friends and family know about How to Money! Hit the share

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 a good idea, or is it even possible to invest 100% of my income in a Roth IRA?2 - I’m finally dropping the big bank that I’ve been with- what should I keep in mind?3 - Should I ladder my target date funds across multiple years or set it and forget it with a single fund?4 - What benefits am I missing out on by taking the self employed path?5 - Paying off my home mortgage or an investment property mortgage- which is the better move?During this episode we enjoyed a Really Green Street by Trillium Brewing - a big thanks to Ali for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: signing up for a money challenge to jump-start progress, investing in IPOs and single stocks, everyone is substantially richer than they were a couple years ago, 2022 stock market predictions, hospital pricing transparency, no more medical bill surprises, where home prices are headed, & mandatory vacations.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doi

Few things change your life as much as finding out you're pregnant- it’s an exciting period of time, but it’s also slightly stressful! One of the reasons is because the clock is ticking and you know you’ve got less than 9 months to get your act together. It lights a fire under you and it’s an amazing period of transformation, for all parties involved! And similarly when it comes to our money, a special circumstance can often be the stimulus we need to make wiser financial moves, but what if it’s not enough? Or what if you don’t have any unique excuses to get your financial house in order? Well that’s where money challenges come in handy. Sometimes the reason that we’re not able to make any progress with our money is because we don’t have clear actionable steps that we can immediately take. Maybe you don’t have any accountability or you think it’ll be a load of drudgery. Whether you’re looking to spend less, boost your earning, or invest more of your money, this episode is all about jarring you out of your typ

With all the craziness we’ve experienced in our world recently, whether that was because of school shutdowns or rising prices due to inflation, it’s tempting to believe that we’re no longer in the driver’s seat. But our guest today, Kumiko Love, who is also known as the Budget Mom, wants you to know that you have more control over your life than you realize. Her new book “My Money My Way” comes out next month, where she helps readers identify a uniquely personal plan that you’ll stick with, which will allow you to crush your money goals. For Kumiko, one of those milestones she achieved was paying off over $77,000 of debt in just 8 months early on in her financial journey and she also recently purchased her dream home with cash! During this episode she shares how you can take the experience and principles she learned, in order for you to take back control of your financial life.During this episode we enjoyed a Double Dry Hopped Stillings Street by Trillium Brewing - a big thanks to Ali for donating this delici

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: if reusing return envelopes is frugal or cheap, the best credit card sign-up bonus available, an investing mistake to avoid if you’re considering entrepreneurship, avoiding single stock investing at all costs, crypto millennial millionaires, & making personal finance funny with Joe Saul-Sehy as we discuss his brand new book, Stacked: Your Super‑Serious Guide to Modern Money.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to ch

LET’S PARTY! A financial festivus is in order here at the end of the year and we’re excited to share a bunch of listener wins from the How to Money community. Unfortunately at times we can be overly driven to the point that we fail to celebrate milestones. And when we achieve something great and move right on from it, we lose something in the process. Celebrations improve our well-being, they’re fun, and can provide inspiration for others. So during this episode we share a couple of our personal money wins, but then we have a chance to hear from listeners who have paid down credit card debt, massively boosted their savings rate, purchased their first home, started house hacking for the first time, taken their side hustle full-time, invested insane amounts of money, & more. Thank you to everyone who shared their money wins and we’re excited about what 2022 has in store for the HTM community!During this episode we enjoyed a Coconut PM Dawn Trillium Brewing - a big thanks to Ali for donating this delicious c

We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!1 - Should I save my money in a regular savings account or invest that money in the market if I want to buy an investment property?2 - What should I do with a bunch of Tesla stock that I’m planning to use as a down payment for our home?3 - Does it make sense for me to own my duplex under a new LLC that I could create?4 - Is it a better idea for my employer to match a Roth or Traditional 401k?5 - As I’d like to coach and teach others about money, where can I go to volunteer my financial knowledge?During this episode we enjoyed a Three Philosophers by Brewery Ommegang- a big thanks to our friend David for donating this one to the podcast! And please help us to spread the word by letting friends and family know about H

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: should we be gifting crypto, steps to take as interest rates are on the rise, a build back better blow-up, advance child tax credits are over, student loan moratorium has been extended, egregious subscription costs from car manufacturers, the most reliable rides, millennials are writing their wills, & an easy way to renew your passport.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 f

Having a glass of wine most days can be a healthy activity that we incorporate into our lives. Many studies have concluded that the moderate consumption of wine doesn't have negative long-term effects while simultaneously it could be beneficial in providing antioxidants as well as protecting against heart disease and inflammation. But, if that habit goes unchecked it could take on a tyrannical component in our lives if we’re not careful, and it could lead to severe consequences. The same is true with our money. And so on the show today we are de-emphasizing something that is at the very core of our show! We believe that money is a helpful and necessary tool, but we also believe that beyond a certain point, more money isn’t going to solve all of our problems. And in fact, money is only one component of our overall health and happiness levels. So during this episode we cover the struggle between achieving financial health and many of the other different facets of overall health like our physical, mental, social

What does it take to become a professional gambler? That’s the overarching question we’re asking our guest today: Chris Hanna. Chris graduated with a degree in finance and economics, but then he turned down a solid job on Wall Street in order to become a legit blackjack player. Less than 24 hours after he graduated, Chris hit the road and began counting cards for a living. And of course we believe that investing is a far cry from gambling, but a lot of folks are treating them more similarly than they’d like to admit. So where should we draw the line between gambling and investing? During this episode we unpack Chris Hanna’s story, talk about his shift to personal finance, and share how we can strategically use our money to build an exciting life.During this episode we enjoyed an Almond Brown Ale by Temblor Brewing- a big thanks to Ryan and our friends there at the brewery for donating this delicious craft beer to the podcast! And please help us to spread the word by letting friends and family know about How t

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: the $1,000 Cash Giveaway/Giveaway, USPS shipping deadlines, killing the taboo of secondhand gifts, risky investments impacting our mental health, VTSAX reigns supreme, government leaders insider trading, best places to live if you only care about money, have yourself a merry little i bond, inflation vs your brain, & financial literacy on the rise!***And to enter for a chance to win during our $1,000 Cash Giveaway/Giveaway:*** Just follow @HowToMoneyPod on Instagram Like the giveaway post Tag 2 friends and comment how you’d give that money away if you win- and that’s really all it takes! Note that there’s only 1 entry per person a

Higher prices and inflation are all over the headlines and you might be wondering how concerned you should be. Unfortunately this is one of those times where you might be tempted to overreact as you try to take control of a situation. It makes us think of when someone is diagnosed with cancer- yes there are instances where you need to immediately treat it, but there are also cases where it’s best to not take any drastic measures and instead just monitor the situation. We want to avoid the kneejerk reaction and the ‘just do something!’ mindset, when instead there are other steps we should be taking. So that’s what we’re talking about today- why we’re experiencing high inflation, how concerned we should be, and then the many different steps that you should consider in order to keep yourself from freaking out over inflation.During this episode we enjoyed Chocolate Pecan Porter by Temblor Brewing- a big thanks to Ryan and our friends there at the brewery for donating this delicious craft beer to the podcast! And