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: Matt scored his $1,250 credit card signup bonus, judging others if they have an old phone, digital driver's license, targeted ads on streaming, trip stacking, Kim Kardashian's crypto kerfuffle, a new Robinhood app feature, robots disrupting the labor market, AI rejecting millions of resumes, and one simple way to score a better job.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance a

Feeling overworked?! Between trying to get ahead at your 9-5 and pursuing side hustles, chances are really high that you feel like your work-life balance is out of whack. That doesn’t even take into account that more of us are working from home. We find ourselves chronically fatigued and exhausted because we give too much to our work, leaving little left for ourselves and those around us who we love. For instance, as a result most Americans don’t take all their vacation time- and when they do, they find it impossible to actually stop working! This ongoing cycle of never-ending work is leading more folks than ever to despise the work they once loved while other important areas in their lives like relationships, health, and hobbies continue to suffer. This is an important topic for us to cover as we seek to implement some practices to restore that work-life balance and then create boundaries to maintain that balance.During this episode we enjoyed an I Learned It by Watching You by Burial Beer Co and Other Half

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

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some relevant and helpful stories like: what to watch out for when switching to an online bank, employer-matched savings accounts on the rise, IKEA buying back your furniture, the easiest way to get all of the shampoo out of a bottle, annoying hotel fees on the horizon, simple tricks to supercharge your retirement account, the underutilized Roth 401k, falling investment fees, when it makes sense to see a financial advisor, avoiding eviction through federal rental assistance, & where to save the most on a refinance.And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular

Since this is episode 404, we’re talking all about the money lessons that we can learn from our city Atlanta (which is sometimes referred to as the 404). You can learn lessons in unintended places- there are things to be learned all around us, if only we’re keeping an eye out for them. For instance, one of the impacts of the Covid lockdowns last year was that we couldn’t go anywhere and our calendars were pretty much wiped clean. And the unintended lesson that many Americans learned was that we probably had way too many events on the calendar to begin with. We quickly learned that less activities and more family time was a good thing. And so when it comes to Atlanta, there are a ton of different personal finance lessons that we can learn- from specific things like terrible traffic, the cultural diversity we find in the city, tax breaks being offered to the film industry, our sports teams, and plenty more! So be sure to listen in order to learn some valuable ATLien money lessons.During this episode we enjoyed

Today we are joined by career expert Ashley Stahl. She has a new book out titled You Turn: Get Unstuck, Discover Your Direction, and Design Your Dream Career that we dive into during this episode. And while we’re on the topic of job hunting, Ashley has quite the remarkable resume herself- she interned with Governor Arnold Schwarzenneger, pursued a career in counterterrorism while getting her Masters degree in War Studies in London, & then worked for a defense contractor at the Pentagon running an award-winning program. But despite all her success, Ashley still felt a degree of uncertainty until she finally changed her career path. Ashley is now a career coach where she empowers people to discover their authentic careers, land more job offers, and launch their dream businesses.During this episode we enjoyed a Hazy Little Thing by Sierra Nevada! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listene

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

You should consider investing in real estate! If your personal finances are in a solid position and you’ve already taken advantage of the tax advantaged accounts that are available to you, we believe that it could make a ton of sense for you to become a real estate investor. There are many great benefits from owning long term rentals like experiencing a higher return on your investment, monthly cashflow, tax benefits, and others that we’ll get to during this episode. But just because we’ve found investing in real estate to be a boon in our lives doesn’t mean that you should automatically go out and purchase your first rental. There are a number of different factors that you need to consider, before you start making offers! We tackle some of the common excuses that some folks give for why they don’t want to invest in real estate, in order to help you decide if real estate investing is right for you.During this episode we enjoyed Corn Grisette by Cruz Blanca Brewery- thanks to Dennis and our friends at the brew

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

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

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

Today on the show we’re joined by gold medal winning, Certified Financial Planner, Lauryn Williams. And we’re not even joking with you- Lauryn was an Olympic athlete and was the first American woman to medal in both the summer and winter Olympic games which is an incredible feat. So not only is she a CFP with her own business, not only has she won gold as an Olympic athlete, but Lauryn is also a Certified Student Loan Professional, a CSLP, so she also has a high level of expertise when it comes to all things student loans. We’re going to hear Lauryn’s Olympic story but we’re also going to dig into some important details that student loan borrowers need to keep in mind when it comes to things like forbearance, student loan forgiveness, and the different income-driven repayment plans.During this episode we enjoyed The Donkey and the Thistle by Mad Fritz- thanks to our friend Cal for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit th

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

Who doesn’t enjoy going on a relaxing or adventurous vacation?! But even if spending a week in the Caribbean or backpacking across Europe isn’t your craft-beer-equivalent, chances are pretty high that you have to occasionally do some traveling and we want you to save big. Americans pour a lot of money into travel- to the tune of 972 billion dollars on domestic travel alone back in 2019. But it doesn’t have to cost you a fortune. We want you to experience all the joy of travel while lessening the financial pain of it. In this episode we cover a litany of tips and tricks that will allow you to save on your next trip. We cover many different aspects of travel, giving you the knowledge and resources that you can keep coming back to in order to save money every single time you book a trip in the future.During this episode we enjoyed some Vacay Daydreams by Pipeworks Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not 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 - What is this fixed finance charge on a new credit card that I applied for?2 - How can I prevent my income based student loan payments from increasing as I’m making more money?3 - Are there hidden expenses when I invest in funds through Cash App or Robinhood?4 - When it comes to teaching high schoolers about personal finance, what topics or curriculum should I focus on?5 - Should we buy a vacation property, specifically a condotel, as an investment?During this episode we enjoyed The Bane The Blithe by Newgrass Brewing Co! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review

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

Dick Fosbury changed the sport of high jumping forever the first time he jumped backward over the bar. Until then, every competitor had launched themselves into the air going forward, belly over the bar. I’m not sure the last time you watched a high jumping event, but now every high jumper uses Dick’s technique. He essentially exploited a flaw in the high jumping world that no-one else was paying attention to. In a way that’s basically what arbitrage is when it comes to our personal finances- it’s about thinking creatively about the different financial hurdles in our lives. It’s about challenging the assumptions we’re faced with. We’ll cover some very clear forms of arbitrage that you might already be implementing, some problems with arbitrage, and then how you can begin developing more of an arbitrage mindset today.During this episode we enjoyed a Newgrass Brewing Co Pineapple Upside Down Shake! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button,

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

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

You might be saying “Yea, yea- we know Joel and Matt love biking…”, but did you realize that you’re literally missing out on millions of dollars by driving instead of biking? We crunch the numbers for you in this episode. So if you’re not biking, you should really give it another shot. People change- you’re not set in stone are you?! Just because at some point in time you decided that biking wasn’t for you, that doesn’t mean that you shouldn’t reconsider. And on top of the massive financial benefits there are a host of other additional advantages of riding more. Plus, we disprove a bunch of common excuses that are given as to why some folks can’t bike more, or bike to work. Then we round things out and share how you can begin incorporating cycling into your life, and how you can get riding today!During this episode we enjoyed a Double Fruited Boysenberry Blackberry Raspberry Hill by Southern Grist! And please help us to spread the word by letting friends and family know about How to Money! Hit the share butto