How To Money

We could share the best money tips out there with you every single episode, but it would never really matter if you haven’t identified proper money goals for your life. What good is it to know the best ways to earn more, spend less, and invest your money if you don’t even know why it is that you’re doing those things? And unfortunately if you haven’t identified your money goals and the ‘why’ behind your money, then it’s easy for money itself to become the end goal. Gaining more wealth can become the default metric that you think will make you happy, but in reality that happiness is fleeting. So this episode is all about discovering our passions, figuring out what we want to spend our money on, and thinking through how we want to spend our days. And then we talk through the SMARTER approach to goal setting to ensure that we are taking the steps to get us where we want to be.During this episode we enjoyed an Alpha Abstraction IPA Vol 13 by Wild Leap! And as we’ve ramped up the podcast with an additional Friday

Alan Donegan is our guest on this episode and he is one of the co-founders of PopUp Business School which is on a mission to change the way entrepreneurship is taught. They’re getting folks to create their own sustainable startups by not taking on massive amounts of debt. When almost half of new businesses fail within their first 5 years, it’s clear that this is the type of guidance that is needed today- especially given the uncertain times we’re living in. Alan’s motto is “fail fast and fail cheap”, and through trial and error, he has built up his own business without ever having taken on any debt. Today we dive into his story as well as how you can start a business with zero dollars!During this episode we enjoyed a Cookies with Cream by Little Cottage Brewery! 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 g

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 true cost of a pumpkin spice latte habit, the delay of the additional refinance fee, but at the same time some lenders are asking borrowers to waive their ability to request forbearance, and how some companies are beginning to restore hours and salary cuts made back in the spring. After all of that we touch on stimulus check updates, why we should be alert to the fact that online spending has skyrocketed, a new proposal pertaining to health sharing plans, and then what to do with a credit card that has an annual fee.And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use

Convenience (and the products and services that make it possible) has infiltrated it’s way into our daily spending - so much so, that it’s become our default option. Who doesn’t want things to be a little easier and a little more accessible? Convenience can be a nice perk of our modern economy, but it can also come at a high cost. And the big problem here is that American consumers are spending more money than ever on different conveniences without giving it a second thought. We’re being parted with our money without even realizing it! So our goal for this episode is to shine a light on the different reasons that we often go with the more convenient option. And then we’re also going to suggest some simple solutions for us to overcome these costly options. By recognizing our natural tendencies, hopefully we can resist these urges which will also allow us to save money. We don’t want to take the easy and more expensive way every time we’re faced with a decision.During this episode we enjoyed a Chimay Grand Rese

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 should I do with the proceeds from selling my house?2 - Is it better to max out my HSA now or allow it to continue to be regularly deducted from my paycheck?3 - Should I go with a regular or Roth 401k and does it make sense for me to stick around until I’m 100% vested?4 - Why did my credit score drop after paying down a bunch of credit card debt?5 - What advice should I give my parents who are looking to retire within the next decade?During this episode we both enjoyed a Dr. Fünke’s Sour Pale Ale by Wrecking Bar Brewpub! 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 y

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 topics like the cost of the 10 most popular sandwiches you can make at home, why you might be able to negotiate down your monthly rent, a new refinance fee that will begin next month, and how to go about raising your credit score to snag the best rate when it comes time to refinance. After all of that we cover why the increasing cost of new vehicles is a bad thing, executive orders and their impact on student loan payments as well as unemployment relief, the decrease in full-time jobs, and the S&P 500 hitting record highs.And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use you

More of us need to be considering dropping a car from our lives - especially as so many of us are now working from home indefinitely! Are we even using those vehicles?! But even if you are going in to work everyday, it’s time to question whether or not it makes sense to continue paying nearly $800 in order to own and maintain that vehicle. Transportation costs are typically the 2nd largest expense we have every single month so getting rid of a car can have a massive effect on your monthly expenses. On top of the positive financial ramifications, there are other awesome side effects too. We’ll dive into all of those benefits as well as how you can go about owning one less car in this episode.During this episode we enjoyed a Ourison by Tired Hands 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 q

Jaspreet Singh joins us on the podcast today and he can probably best be described as a serial entrepreneur. However, a life of entrepreneurship wasn’t always the plan for him. Jaspreet was born to immigrant parents and grew up bilingual in a traditional Sikh family, with the strong expectation that he was going to be a doctor, but that didn’t end up being the case! A growing interest in investing led him to YouTube where his channel Minority Mindset now has close to 650k subscribers. Through Jaspreet’s educational and entertaining videos, he is able to share wisdom around personal finance and investing. During this episode we talk all about entrepreneurship, what it means to have a Minority Mindset, and how to go about building a YouTube channel from scratch.During this episode we enjoyed a Bright Day Coming by 3 Taverns! 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

Friday Flight 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 topics like the increase in bike sales, an employer selling a corporate office, and executive order stimulus bill confusion. After all of that we cover traveling again, getting refunds due to cancelled flights, and the decline of household debt during the pandemic!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

The novel coronavirus has had a domino-like effect on so many areas of our lives including our finances. Maybe you’ve lost your job and have had to file for unemployment for the first time ever. Or perhaps you technically still have a job but you have been furloughed and are realizing how little you have in savings. Most of the lessons we’re going to discuss in this episode aren’t brand new, but due to the health crisis, they’re more important than ever. It’s vital to reflect on those lessons so that we don’t forget them - not only do we need to put those lessons to work now during the pandemic, but we also need to continue to implement that knowledge in a way that continues to help us for years to come.During this episode we enjoyed a Modus Vivendi by The Wild Beer Co out of England! 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 alr

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 upside down on a car that has huge maintenance costs- what should I do?2 - Should I forego my company’s match due to their long vesting period?3 - Does it make sense to focus on our student loans with the largest balance or the highest interest rate?4 - Should I continue loaning money to my sister if I feel like I’m enabling her poor money decisions?5 - How can I go about reducing my adjusted gross income in order to pay as little in taxes as possible?During this episode we both enjoyed an I Want to Dance with Somebody 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 Apple Podcasts

Friday Flight 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 a lot of interesting topics like new cell phones and affordable cell phone service, investing in gold and precious metals, and increased private equity options in your 401k. After all of that we cover how small businesses are innovating but still struggling, negotiating a severance pay package, and starting the money conversation with your friends.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. He

We’re all looking to spend less money, especially during these difficult coronavirus days, and one of the best ways to accomplish this is by going with generic or private label brands. Name brands have worked their way into our lives but they come at a cost. And then there’s the big question of: what products or purchases should I go generic with and when should I just stick with the name brand that I know and am more familiar with? During this episode we talk about why we’re fans of generics as well as some categories where it makes sense to make the switch and how to go about making the switch. But we’ll also make an argument for choosing name brands over generics as well- there are some purchases where we can cross over into the territory of cheap in an attempt to become more frugal.During this episode we enjoyed a Spotted Cow by New Glarus- thanks to James for donating these beers to the show! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to

Ben Carlson is the Director of Institutional Asset Management at Ritholtz Wealth Management. There, he helps to create detailed investment plans and manage portfolios for institutions and individuals to help them achieve their goals. Ben is also the author of the new book “Don't Fall For It: A Short History of Financial Scams” which we’ll discuss. And on top of that, he has his own investing podcast called Animal Spirits, and he writes all about investing over at his site “A Wealth of Common Sense” - not only are we excited to talk about scams with Ben, but also how we as individuals should approach saving and investing for retirement.During this episode we enjoyed a Coconut Stout & Coffee Cream Ale by Kiitos Brewing- thanks to Andy for donating these to the show! 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,

Friday Flight 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 a lot of interesting topics like using Netflix payments to boost your credit score, the shortage of disinfectant supplies, upcoming sales tax holidays, working from home into 2021, and the stalled stimulus bill. After all of that we cover reports of surprise covid medical expenses and banks cutting credit lines without warning.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 w

There are a lot of different types of insurance out there and it can be tough to know which types of policies you should look into and which ones to avoid. It’s easy to feel overwhelmed with the amount of information related to insurance, and that can lead you to not making any decisions at all. The end result is that things remain the same- and you’re underinsured. And then you might hear an anecdotal story of when a warranty or insurance policy came in handy for someone else, so you feel that should be a product to look into, but should you? You don’t want to end up overinsuring and paying too much every month for something you don’t really need! In this episode we’ll cover the role that insurance should play in our lives and then dive into the specifics of which plans we should absolutely have, the ones we should just consider, and then the ones we should completely avoid altogether.During this episode we enjoyed a PB&J Sour by Shades Brewing- a big thanks to Andy for donating this one to the show! And

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/1 - Should I refinance my student loans into a variable or fixed rate?2 - How does it work if I want to take a 401k distribution for some home renovations projects?3 - Why have I seen my homeowner’s insurance rate climb and what can I do about it?4 - What should I consider when it comes to investing in a startup via a new investing platform?5 - In order to increase my credit score, how much of a limit increase should I request?During this episode we enjoyed a Berry Salty by Talisman Brewing Co- thanks to Andy for donating this one to the show! 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.

Friday Flight 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 a lot of interesting topics like how Aldi is expanding, back to school spending is expected to be higher than ever, where to check if you haven’t received your federal tax refund yet, and how to go about getting out of a lease. After all of that we cover how mortgage rates are at 50 year lows, no closing cost refinancing, and how the options available to us as retail consumers are decreasing.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

It’s time to hear from our wives, Emily and Kate! We finally bring the ladies back on for an episode that we recorded while we were together at the beach. We wrestled the kids down to bed, rigged up a recording table in an echo-y beach house dining room, cracked open some beers and got to talking about personal finance. We fielded some questions from the Facebook group and addressed some topics like what it’s like to be married to a hardcore money nerd, frugal date night ideas, transitioning to a single income household, kids and money, teaching kids about money, and plenty more!During this episode we enjoyed a Road Full of Promise 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 Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get m

We all want to reign in the spiraling costs of healthcare, so that’s why we’re talking today with Scott Heiser. Scott has more than twenty years of experience as a consultant for clients in the insurance and healthcare system. During those years he also led and developed an employee benefit practice that managed more than half a billion dollars in health benefits. Scott knows the ins and outs of what can feel like the overwhelming world of healthcare and insurance- in fact in his book: “Healthcare is Making Me Sick”, he dives into this very topic. Today, he is dedicated to sharing his knowledge to help educate and empower all of us who visit the doctor! So be sure and listen if you’re interested in spending less money while receiving better healthcare.During this episode we enjoyed a Juice Willis IPA by Wrecking Bar Brewpub, one of our local Atlanta favorites! 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 fa