How To Money

Friday 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 thrive. In this episode we cover a lot of good news we’ve come across in the past week. We also address how you might have the option to make changes to your health care coverage, how your credit score might drop due to the deferment of federal student loans, appealing for more student aid, and some benefits of graduating during a 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 their money in

Change can be a little frightening, but it’s the only constant. Our entire economy has seen a massive change- industries that were in slow decline are now quickly accelerating towards obsolescence, and we’re seeing other industries that were fairly new and unproven showing explosive growth. There is a good chance you have experienced some changes at work, and so whether you like it or not a career pivot might be on the horizon for you. In this episode, we’ll talk about what these pivots could look like, as well as how you can make these changes successfully.During this episode we enjoyed a Twisted Galaxy by Toppling Goliath Brewing- thanks to Joe 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. Help us to

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 - Is now a good time to make a Roth IRA conversion?2 - I’m in my mid-30s, should I focus on paying down debt or investing more towards retirement?3 - Should I sell some stocks that I’ve purchased via my employer’s ESPP?4 - How much should I be budgeting for housing repairs and rental vacancy?5 - Coming off a gap year, what financial tips do you guys have for me as I begin medical school?During this episode we enjoyed a Dankbot by Insight Brewing- thanks to Joe 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. Help us to spread the word to get more people d

Friday episodes are all about the effects of Covid-19 on your personal finances. There’s a lot of news and information out there, but we are distilling it down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also address how spending is up home improvement, whether there is more stimulus money heading our way, and where to look for new jobs.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! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/

Why is it that when a consumer item like a new phone is on sale, we pounce, but when the stock market is on sale, we run? Buying and holding are both far more difficult to do in a volatile market for most investors. And when we see terms like ‘bear market’ and ‘recession’ in the headlines, it makes it even harder for many of us to continue to invest. But what is important to remember is that buying into this market volatility is the source of future returns. The overall American stock market has returned roughly 9.7% over the past 90 years. And those 90 years have included difficult events like wars, depressions, deflation, and various politicians. So while it might feel a lot safer to not invest at all, know that American capitalism has continued to produce results for decades on end despite real challenges. Investing in an economic tailspin, although it feels a bit counterintuitive, is the best thing you could be doing over the long-term.During this episode we enjoyed an Athena Paradiso by Creature Comforts

In his early 20s, Thomas Nitzche found himself in loads of debt. Like so many folks, he didn’t learn how credit cards really worked, and so the charges began to add up, and before he knew it he had an overwhelming balance that he could barely make minimum payments on. Couple that consumer spending with student loans, a car payment, a mortgage, and the final kicker- getting laid off and losing his income. Thomas found himself in a really stressful spot, but he was able to move from a place of desperation to using his experiences to help others. He now works for Money Management International, which is the largest provider of nonprofit financial counseling and education in the United States. He’s all about conversations around money and destigmatizing debt, and so that’s what we’ve tackled in this episode.During this episode we enjoyed an Experimental IPA Vol 13, by Easy Chair Brewing Garage- thanks to our friend Jess for brewing this one up and donating it to the show! And as we ramp up the podcast with an add

Friday episodes are all about the effects of Covid-19 on your personal finances. There’s a lot of news and information out there, but we are distilling it down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also address the surge in bicycle riding as well as the likelihood of all of us to become more frugal, due to the coronavirus.And as we ramp 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! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for p

Money anxiety is something we have all experienced in one way or another. Whether it’s student loans, trying to save up enough for a car, or even having enough money to make it to the end of the month- this stress is a very real thing. Covid-19 and its effects on our economy and our jobs have only exacerbated the issue. According to a recent Qualtrics report, 67% of people say they have higher levels of stress since the beginning of the health crisis. And money anxiety doesn’t just plague low-income earners. More personal stories and accounts have been shared in recent years of “rich” people willing to admit their own money anxieties: individuals making $100k or more are just as susceptible to living paycheck to paycheck. So in this episode we dive into some of the symptoms of money anxiety and then we recommend some practical steps we could all implement into our lives to reduce the amount of stress surrounding our personal finances.During this episode we enjoyed a Sour Opal by Firestone Walker- thanks to ou

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 - I really like investing via Fundrise, but should I be maxing out my Roth IRA first?2 - Bad news: I’ve recently lost my job. Good news: I just sold my house and got married! What should I do with the money from the sale of my home?3 - Should I take advantage of super low interest rates and refinance my student loans?4 - I have a high-paying, but soul-sucking job. Should I pursue a position that pays much less but will yield many other intangible benefits?5 - Is there a middle ground investment vehicle? I’m looking for something that isn’t too conservative, but something that is also not too risky.During this episode we enjoyed a Fog of War by Easy Chair Brewing Garage- thanks to our friend Jess for donating this one to the show! And as we ramp up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let f

Friday episodes are all about the effects of Covid-19 on your personal finances. There’s a lot of news and information out there, but we are distilling it down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also address some of the impending changes to credit card limits as well as mortgage forbearance.And as we ramp 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! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

With the Great Lockdown continuing to take its toll on the economy, mortgage rates are at near all-time lows so now is a great time to consider refinancing. Pouncing on these lower rates can lower our monthly mortgage payment, allowing us to free up some money that was being funneled towards housing. But what else should we consider? Are you a good candidate for a refinance? And then on top of that there are also costs involved in refinancing that can make it prohibitive. In this episode we discuss what you need to consider, some great reasons to refi, and how to make sure you are refinancing effectively.During this episode we enjoyed an Old Tuffy by New Belgium- a big thanks to Maggy for donating this beer to the show this week! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for

Our guest on this episode is personal finance expert Farnoosh Torabi who has transformed what most would consider setbacks, into the very things that drive her forward. She found herself living in NYC at the age of 22 with over $30k in debt, but it was through the process of climbing out of debt that Farnoosh realized her desire to help others with their money. She has done it all, from reporting for Money Magazine, to hosting her own podcast, to writing multiple books including ‘Psych Yourself Rich’ & her latest bestseller ‘When She Makes More’. We’re excited to talk with Farnoosh about couples and all things related to money, but in particular how personal finance is so much more than just understanding the nuts and bolts.During this episode we enjoyed Petite Sour Raspberry by Crooked Stave- thanks to our friends there at the brewery! And as we ramp 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 Mone

Friday episodes are all about the Great Lockdown, Covid-19, and your money. There’s a lot of news and information out there, but we are distilling that down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also share our thoughts on some states reopening for business, getting refunds, and privacy concerns of working from home.And as we ramp 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! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy

Many of us have been stuck at home with extra time on our hands due to the quarantine. Even if your state or local government hasn’t made it an official order, it’s likely you’ve found yourself trying to figure out what to do with these free nights and weekends! And while we wouldn’t suggest that you must use all that additional time to work on your personal finances, it would helpful to use at least some of it to work on some money matters that typically get swept under the rug. So in this episode we’re talking about the chorelike, everyday money disciplines that are often skipped over. These are the kinds of money moves you may not be paying attention to, but they still have a big impact on your personal finances.During this episode we enjoyed an Adambier by Crooked Stave- thanks to our friends at the brewery for donating this one to the show! And as we ramp 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

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 - I have a lot of bonds in my portfolio- is now a good time to sell them and buy more stocks instead?2 - How are new student loans being affect by the health crisis?3 - I’ve recently started doing business with an insurance broker, saving me time and money! What’s the catch?4 - Are savings bonds a good product for my young daughter?5 - I’m considering law school but I also enjoy working with my hands- help me decide!During this episode we enjoyed a Nightmare on Brett by Crooked Stave- thanks to our friends at the brewery for donating this one to the show! And as we ramp 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

Friday episodes are all about the Great Lockdown and your money. There’s a lot of news and information out there, but we are distilling that down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also take a look at the changes we’ve seen to consumer spending, energy use as an indicator of what’s going on with the economy, and our thoughts on the housing market.And as we ramp 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! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee o

A stimulus check, tax refund, or any large windfall doesn’t happen all that often, so it’s no surprise that we’re not all that great at doing something smart with that money. Most of us think of it as a bonus that we should spend! And for people who diligently prioritize saving and investing every single month of the year, that might be ok. But for most people, a more thoughtful approach is in order. Much of it depends on your specific situation, and so we have some thoughts as to what you should be doing with that money when it shows up in your account. We can approach it with the numbers in mind, or values front and center- where you do you land?During this episode we enjoyed a Space Lettuce by Monday Night Brewing! And as we ramp 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

We’ve all heard about the minimalist lifestyle- maybe you’re picturing a bearded hipster drinking coffee in his perfectly white dining room or an Instagram worthy, perfectly styled modern kitchen. It turns out that’s not what minimalism is all about- it’s about priorities. Also, we’ve all been spending more time in our homes than we’d probably like to be, and all that clutter might be getting to you. Here to talk with us today about minimalist living is Joshua Becker. While beginning the process of removing possessions from his life, Joshua started the site Becoming Minimalist and has written several fantastic books over the years including The More of Less and The Minimalist Home. Not only can a minimalist approach to life allow us to spend less & save/invest more, but it can have a positive impact in lots of areas of our life.During this episode we enjoyed an I Feel It All by Monday Night Brewing! And as we ramp up the podcast with an additional Friday episode every week, we could really use your help t

Friday episodes are all about the coronavirus and your money. There’s a lot of news and information out there, but we are distilling that down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also dive into some changes to retirement accounts due to the CARES Act as well as a topic on a lot of minds- stimulus checks. Who’s getting one, how much, and when are they showing up? And then we round out this episode by answering a question about taking out a loan to invest in a down market, as well as the likelihood of losing all of your money invested for retirement.And as we ramp 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.

67 million people are anticipating having trouble paying their bills due to the fallout from Coronavirus. A lot of us have seen our income drastically cut, or maybe you don’t have ANY income at the moment. It’s important to prioritize our money now and conserve our cash, because in a tough economic cycle we might have more need for it. So the time has come for many of us to tighten our belts and cut some expenses so that our finances can survive the economic hardship that many of us are facing. There are changes that need to happen, but what expenses do we need to look to in order to make a dent in our monthly or annual expenses?During this episode we enjoyed a Mr. Blue 2019 Edition by TO ØL Beer- thanks to Jeremy in NC for donating this one to the show! And as we ramp 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