How To Money

It's time for a holiday season Friday Flight! These episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to come out on the other side even stronger. In this episode we cover some interesting and helpful stories like federal tax credits for biomass stoves, Christmas tree sales spiking, Bitcoin blowing up, cooking at home pandemic fatigue, phone calls on US flights, a new study on car depreciation, spending your FSA money before the end of the year, and some final thoughts on customer service.And as we’re looking forward to kicking things off with a bang in 2021, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. H

Everyone knows that it’s good to have a high credit score- it’s true, but what is high enough? It can be tempting to spend an inordinate amount of time in pursuit of the perfect score, but we’re here to let you know that it’s a waste of time and energy. You’ll find that chasing after the elusive 850 will likely leave you feeling disillusioned, IF you even achieve it. There’s no pot of gold at the end of that rainbow! Yet, our credit scores impact a lot of different areas of our lives. They truly are important and they deserve our attention! So during this episode we talk about what we feel is a healthy credit score, where to track your score for free, as well as some actionable tips in order to raise it. Just don’t get sucked into the trap of thinking you need a perfect credit score.During this episode we both enjoyed a Nuclear Seahorse by Booneshine Brewing - thanks for donating this one to the show Christopher! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really

We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo!1 - Is it OK to put down less than 20% on a home if we can avoid PMI?2 - Where else should I invest if I’m already maxing out my 401k?3 - Are there investment platforms that non-US citizens can use to invest in the stock market?4 - Will my teacher’s pension be enough when I retire at 53?5 - Should we swap out our Hyundai for a pickup truck?During this episode we both enjoyed a Photon Sphere by Olde Hickory Brewing - thanks for donating this one to the show Christopher! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people do

It's time for a Friday Flight! These episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to come out on the other side even stronger. In this episode we cover some interesting and helpful stories like Amazon Pharmacy and other discount medication options, the most reliable car brands, & Zillow surfing. And then we also talk with Travis Hornsby of Student Loan Planner to discuss the future of student loans in 2021 with the forbearance period soon drawing to a close.And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spre

You only have two options when it comes to saving more money- you can either earn more or you can spend less. But which of these is more important? Depending on your personality, you might find it easier to focus on making more money without too much concern for being frugal. And other listeners are all about more tips to live frugally, but they rarely give much thought to how they can increase their earnings in the coming years. Which side of the fence are you on? In this episode we discuss the importance of both of these areas in our financial lives. We also cover the downsides that must be highlighted when you’re looking to earn more and when you’re spending less.During this episode we enjoyed a Bad Bunny Pie by Tripping Animals! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple P

Starting a business is exciting- it doesn’t have to cost a lot of money, it can be incredibly fulfilling, and you could make some good money while you’re at it! BUT, you want to make sure that you’re going about things in the correct way. You want to make sure that you’re going about things legally! Our guest today is Kae Gruner who is an entrepreneur and intellectual property lawyer, so she’s the perfect guest for this topic. She’s the founder of Start Up Heart Up which exists to bring entrepreneurship to everyone through DIY tools, education, and empowerment. With this episode we’re making sure that your side hustle gets through those awkward, middle school years and that you’re able to transform it into a legit money making business.During this episode we enjoyed a Major Decisions by Mikkeller Brewing! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscr

It's time for a Friday Flight! These episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to come out on the other side even stronger. In this episode we cover some interesting and helpful stories like overpaying for gas at the pump, free covid tests, open enrollment and affordable health coverage and health insurance alternatives, Tesla in the S&P 500, popular sides at Thanksgiving, grocery store restrictions, virtual real estate closings, instant paycheck access, and new business applications are through the roof.And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts

This show exists to make sure that you know the best ways to earn, save, and invest your money so that ultimately you’re in a great financial position down the road. And a part of that journey towards financial independence includes making sure that you have the right attitudes towards money and that you’re not only looking to your own desires, but that you’re looking to the needs of others as well. This is why giving away money is such an important practice to begin implementing ASAP. It’s not a principle or stage of enlightenment that you might reach someday. Rather it’s like working out- the earlier in life you get started, the better off you’re going to be in the long run. Listen to the different reasons we should be giving away our money, how to vet charities, and how to actually go about implementing giving into our personal finance.During this episode we enjoyed a Party Cup by North Park Beer Co - thanks to Craig for donating this one to the show! And as we’ve ramped up the podcast with an additional F

We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo!1 - I’m thinking about hiring a personal car shopper- is this a good idea?2 - Do you have any budgeting and side hustle ideas for someone overseas on a work visa?3 - What does the cost basis method mean for my investments?4 - I’d like to become a financial coach- what accreditation should I consider?5 - Should I tap a 401k and take advantage of the provision in the CARES Act?During this episode we both enjoyed an Apparitional Disintegration by Burial! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things w

It's time for a Friday Flight! These episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to come out on the other side even stronger. In this episode we cover some interesting and helpful stories like fake high interest banks, election and vaccine impacts on the stock market, BOGO flight deals, disinfecting your credit cards and going contactless with mobile wallets, sneaking treats into a movie theatre, employer assisted savings programs, and cutting a car from your life!And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to

Even though there are likely going to be fewer individuals actually going shopping in person the Friday after Thanksgiving this year, Black Friday is still a majorly important time for deals. These days Black Friday has transcended time and place- it includes multiple days and even an entire season of scoring really low prices on gifts. This can provide some relief to our bank accounts as we search for gifts for friends and family for less than we can normally get these things the rest of the year. But on the flip side of the coin, this time of year can really strain our personal finances. There’s the temptation to overspend and consume more than we need to and because of this, many American’s end up with boatloads of debt come January. There are a number of different problems that arise during this consumption-driven time of year. In this episode we highlight some of these ‘Black Friday Foibles’, why they’re a big deal, and then we discuss what to do about them.During this episode we enjoyed a Caliente Aqui

For this episode we are joined by Ken Rusk to talk about the skilled trades. Ken specializes in mentoring and has coached hundreds of young people in goal setting, life visualization, career paths, and sound financial planning. He is passionate about helping folks achieve their dreams regardless of their educational background. And now with his recently published book- “Blue Collar Cash”, Ken explains that blue-collar trades are a source of pride and how you can find your version of happiness by pursuing a good old-fashioned craft. Our economy is in desperate need of skilled tradespeople so listen as we talk with Ken about this massive opportunity.During this episode we enjoyed a Rhymes with Purple by Bhramari Brewing! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or whe

It's time for a Friday Flight! These episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to come out on the other side even stronger. In this episode we cover some interesting and helpful stories like falling rents and how to pay less for your apartment, investing within an HSA, debt collection agencies using social media, new stimulus check scams, WFH leading to overwork, giving babies credit cards, the best 529 plans for 2020, and the generation who owes the most in student loans.And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. H

We all make the occasional money mistake. Some missteps are small and the impact they have is a tiny blip on our radar. Other money mistakes can be like an albatross weighing us down for years to come. But whether our mistake is more of a bump in the road or if we’ve made a mistake that will impact us for a long time, it’s important to learn how to overcome these mistakes so we can move on and start kicking butt with our money again. In this episode we cover some common mistakes we make, why we make them, and then how we can pivot to handling money well in those circumstances. And then aside from specific mistakes, broadly speaking there are some important steps to take that will allow us to move forward more quickly when we’ve made an error with our money. This is a great episode for anyone who has ever had some money regrets!During this episode we enjoyed a Hydrus Double IPA by Two Tides Brewing! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help t

We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo!1 - What smart devices and software should I consider in order to save more money on my utilities?2 - As a single female, how can I mitigate any risk if I’d like to Airbnb an extra bedroom?3 - Should I pull some money out of my 401k in order to invest in real estate?4 - How did becoming an authorized user on my mom’s credit card hurt my credit score?5 - Where is the best place for my 7 year old’s savings?During this episode we both enjoyed a Where's My Cellphone by Two Tides Brewing! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get

It's time for a Friday Flight! These episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to come out on the other side even stronger. In this episode we cover some interesting and helpful stories like the uptick of biking in cities not known for biking, protecting your bike, traffic fatalities and how we perceive risk, streaming content shake-ups, avoiding the trap of becoming a payment buyer, misleading GDP numbers, increasing credit scores and free credit reports every week, 2021 IRS retirement contribution guidelines, and small dollar loans or emergency funds.And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular,

Should you work for the man or work for yourself!? There’s a lot to consider when asking yourself that question and there’s certainly not a one size fits all answer. At the same time, it seems that entrepreneurship has been put on a bit of a pedestal in our society causing it to be inaccurately represented. And this question is even more relevant given the high levels of unemployment plaguing our country right now. A lot of folks have been laid off or furloughed while other sectors are doing really well- there are a lot of factors to consider. There are meaningful tradeoffs depending on the choice you make, so during this episode we’ll cover some of the important things you should consider as you think about your future career. We’re here to help you to decide whether or not you should be starting your own business or whether you’re better off in a traditional nine to five!During this episode we enjoyed a Realities by Dssolver! And as we’ve ramped up the podcast with an additional Friday episode every week, w

Chances are that you bought something recently, or maybe you paid a friend- but you likely didn’t do that with physical cash, you probably did it via a digital payment online or with an app like Venmo or the Cash app. Everything is going digital these days and this presents a whole host of issues: we know how to keep people from stealing money out of our wallets and purses, but what about the money we have in our accounts online? Our guest today is Carole Theriault and she knows a thing or two about internet security. Carole founded the Sophos Naked Security site years ago and now co-hosts the podcast “Smashing Security”. She lives and breathes cybersecurity and we are so glad she’s with us today to talk about protecting our identity and ultimately, our money!During this episode we enjoyed a Duh! Snake Blood by Dssolvr. And as we have ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the sha

It's time for a Friday Flight! These episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to come out on the other side even stronger. In this episode we cover some interesting and helpful stories like eating elephant ears, affordable solar power, booming used car sales, women exiting the workforce, how we can support our local restaurants, working from home expenses, and finding a 4% savings interest rate!And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their mon

When either of us are talking with someone and the conversation shifts to the fact that we own rental properties, there’s always the assumption: “It must be a huge pain to deal with maintenance issues!” or “I bet you’ve had some nightmare tenants!”. But in reality that hasn’t at all been our experience even though there are horror stories and personal anecdotes out there. We want potential investors to know that there are steps you can take to ensure that you’ll have a positive experience investing in real estate and managing properties, while simultaneously making money every month and building wealth. We even discuss property managers and when hiring one could make sense. If you’ve thought that you’ll never own rental properties because they sound like too much work, then this episode is for you!During this episode we enjoyed a POG Basement IPA by Scofflaw Brewing! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends a