How To Money

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 - Should I pay points on a mortgage to get a lower rate?2 - What kind of impact will closing some credit cards have on my credit score?3 - Being a recent divorcee, what should be my financial priorities?4 - Do you guys recommend any investing apps that round up purchases?5 - Should I buy real estate in order to build wealth?During this episode we both enjoyed a Swoon Units by Fonta Flora! 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 money in these difficult times!Best friends out! Le

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 a great way to support your local indie bookstore, an easier path to PPP loan forgiveness, scams on Venmo and Cash Apps, and we wonder if realtors are paid too much. After all of that we talk about free bacon masks, what to do with your frequent flier miles, industries that are hiring, and negotiating a severance package.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

“They don’t make them like they used to!” Even though that’s something you might hear a parent or grandparent say, there is some truth to the phrase. Unfortunately, there are a lot of products out there that fail prematurely, and it causes us to spend more of our hard earned money. Planned obsolescence is a concept that we’ve heard as consumers, but what does it actually mean? And is all planned obsolescence a terrible thing? In this episode we cover many examples of it, including the notorious sector of consumer electronics. But then we also dive into how we can do our best to avoid spending more money, due to planned obsolescence.During this episode we enjoyed a Juicy IPA by Squatters Craft Beer- thanks Sam! 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

Morgan Housel has a degree in economics and started writing about money and investing 13 years ago. He's a partner at The Collaborative Fund which is a venture capital firm that invests in companies that are trying to make the world a better place. Morgan is also a former columnist at The Motley Fool and the Wall Street Journal but his work has also been published in Time, USA Today, Business Insider. He's truly an expert on behavioral finance and he recently published his book, "The Psychology of Money: Timeless lessons on wealth, greed, and happiness." This episode is all about the behavioral aspects of our money, because as Morgan explains- there is a massive gap between knowing the right things to do with our money, and doing the right things with our money.During this episode we enjoyed a Polygamy Porter by Wasatch Brewery- thanks to Sam for donating this one to the podcast! 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

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 where you can find a literal diamond in the rough, some updates on a new stimulus bill, as well as an update to the original stimulus check, the effects of the election on investing, bad credit cards to stay away from, and our thoughts on the types of spending that will resume after we’re finished with ‘rona. After all of that, we have a chance to talk with Lindsey Bell of Ally Invest about social responsible investing- it’s something we’re doing more of these days and Lindsey explains why it really makes a lot sense! You can find out more at Ally.com/HowToMoney.And as we’ve ramped up the podcast with an

How should you approach purchasing a home? With more millennials buying a home for the first time ever, there is a ton of room for mistakes. And there is a lot on the line as well- the average price of a new home now exceeds $300k, so there are a lot of things to consider in order to make a wise purchase! At the same time, mortgage interest rates are at all-time lows. That creates a feeling like you have to move quickly before those rates start to creep back up. But if you move too quickly, you could end up overpaying for that house or not considering the bigger financial impact. We’re going to answer some questions like ‘Does renting make more sense?’, ‘What’s the purpose of this house?’, and ‘What’s your timeline?’. This episode is all about what it looks like to have a solid home buying strategy in place, so that you make a smart buy.During this episode we enjoyed a La Bonte with Figs by Wicked Weed! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your h

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 - Getting a 2% loan via M1 Borrow looks too good to pass up- what do you guys think?2 - Should I consider a small student loan in order to finish up my masters degree?3 - How should the upcoming election affect how I invest? And what’s a frugal approach to podcasting equipment?4 - My employer’s 401k match varies, so should I contribute to my own Roth IRA or maximize my company’s profit sharing?5 - Should I consider buying a house with an FHA loan?During this episode we both enjoyed a Deftones Swerve City POG IPA by Belching Beaver- thanks for donating this one Brent! 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

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 high costs of exercise equipment, bans on new gasoline vehicles, electric vehicle technology breakthroughs, Google paying off student loans, and filling out the FAFSA ASAP. After all of that we discuss the effects of Prime Day and then we have an entire conversation on early retirement- how we feel about financial independence, the impact of retirement on the brain, and then what to do as you work towards retirement including some savings goals.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

It’s time for us to get super practical today! A lot of the different topics we cover on the show sometimes have to do with mindset shifts, or if they are a little more tangible, they’re going to be bigger lifts- and these higher impact money moves often take longer than a week to accomplish. So if you’re looking to increase your cash on hand immediately, this episode is for you. Some of the things we’ll discuss will pay dividends even beyond just this week, but if you tackle one of these tasks each per day in the coming week, you’ll save a decent chunk of change! Let’s immediately improve your financial situation!During this episode we enjoyed a Dad Jokes by Morgan Territory, thanks Brent for donating this one to the pod! 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

Anthony ONeal has helped hundreds of thousands of people make smart decisions with their money, relationships, and education. He’s a #1 national bestselling author of Debt-Free Degree and The Graduate Survival Guide. Anthony travels the country spreading his encouraging message to help teens and young adults start their lives off right and people of all ages succeed with money. A part of that message is the ability to pursue passions while living a well-balanced life so we’re excited for listeners to hear Anthony’s story as well as how college students and young adults can avoid the crippling effects of debt.During this episode we enjoyed a Coastal Sunshine by Humble Forager! 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 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 sp

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 companies offering paid time off in order to vote, employers raising minimum wages, Etsy mask sales, Hersey and halloween, a crazy hot housing market, and investing in an IPO. After all of that we discuss why savings account interest rates are low and what to do about it, declining new federal student loans, and effects of a fiduciary rule.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 revie

When it comes to our money, how should we measure our progress? For someone out there who isn’t into personal finances at all, it might be tempting to measure your financial success by what they’re able to purchase, or even by the size of their paycheck. But we know those are poor and inaccurate measuring sticks, and this is why net worth is so important. Regardless of where you are on your financial journey, now is the time to start tracking your net worth. It’s a really important snapshot of how we’re doing at the moment, but at the same time it’s not the end all be all. We talk about net worth’s shortcomings, how we track our net worth, and then finally how to grow your net worth in today’s episode!During this episode we enjoyed a Ye Who Enter Here by Orpheus 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

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 - How should I go about setting up some additional streams of income?2 - What should I keep in mind if considering purchasing a home in my name for my aging parent?3 - Should I take advantage of a 0% credit card in order to pay off a car loan?4 - Is it a good idea to build a swimming pool?5 - What should I do with the proceeds of selling my home?During this episode we both enjoyed a Subluminal Imperial Stout by Buxton Brewery! 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 money in thes

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 breweries expanding, flights to nowhere, missing stimulus check money, how Americans spend their stimulus money, and the ongoing coin shortage. After all of that we have our friend Tim Harman with the You Can Man podcast join us to talk about saving money with DIY projects around your home.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 podcas

Let’s talk about MLMs. We’ve all heard about multi-level marketing companies but are they all scams? Some of them are legit right? MLM ‘opportunities’ are on the rise and we’re seeing more and more products that are pitched by friends and in particular by folks we know on social media. Americans are more susceptible than ever these days and we might be more likely to get tangled up in a pyramid scheme due to financial insecurity brought on by covid. So in this episode we cover what an MLM is and how it’s different from a pyramid scheme, a brief history of some MLM companies, and then some different avenues to take instead of joining up with a multi-level marketing company.During this episode we enjoyed a Double Up by Monday Night 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 A

On average, housing costs easily account for a third of our monthly expenses. That’s why it’s so important for us to cover how we can cut housing costs to zero, and even make some money while we’re at it! Here to tell us how she did it is Zeona McIntyre. Zeona went from earning minimum wage to becoming financially free in two years with real estate- specifically with Airbnb. Zeona now owns 7 properties and manages 20, all over the world. She also consults by working with her clients and helping them achieve their short-term rental goals: from finding an ideal rental property to purchase, tips on furnishing, all the way through to management. Zeona is using real estate to design the kind of life she wants to live, and hopefully after this interview you’ll be inspired to do the same.During this episode we enjoyed a Chocolate Peanut Butter Porter by Lupulin Brewing! 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

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 helpful stories like the increased cost of all cars, performing your civic duty, a credit card promotion benefiting small businesses, student loan relief, and tuition discounts. After all of that we touch on the rising costs of lumber, the sinking cost of life insurance, eviction ban extension, and we also announce the winners of the ‘raid our bookshelf’ giveaway!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 Po

There are secondary costs associated with almost all purchases that we make in our lives. It’s important to consider all of these additional costs that tag along when making purchases, and not just the initial sticker price. In this episode we explain how there are hard secondary costs and then how there are soft or lifestyle secondary costs which are similar to lifestyle creep. And then finally, we go over some helpful and specific tips to remember when making purchases. Keeping all this in mind will help us to manage our money better, specifically when it comes to our spending because everything really does cost more than you think.During this episode we both enjoyed a Pretty Willie’s Imperial Stout by Against the Grain! 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

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 better to buy a new construction or a fixer upper, as an investment property?2 - What’s the best credit card to replace possessions after an apartment fire?3 - Should I continue to take advantage of a mortgage deferment even though we could make the payment?4 - How should I go about dollar cost averaging when my income is seasonal?5 - What is ‘coast FIRE’ and do y’all recommend it?During this episode we both enjoyed a Red Wine Foederbier Southern Brewing Company! 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 peopl

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 practical topics like the rise of fake podcasts, the increased number of new books to be published this fall, digital coupons, what the payroll tax holiday means for you, and how much money working from home is saving our country. After all of that we touch on what airlines are dropping their change fees, the rush of speculative day traders, and the high cost of money therapists.Also, don’t forget this is your chance to raid our bookshelf! You can win 3 of the dozen books we’re giving away and we’re talking about books of previous guests who we’ve had on the show. Titles like I Will Teach You to be Rich, The Behavioral Investor, Can I Have