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Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living a rich life.
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- Today39 min
Friday Flight - Space Stocks, Delaying Debt, & Home Insurance Hardships #1149
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Stock exposure rules of thumb (the Google sheet) Exotic ETFs Space stocks! AI trading agents Delaying debt payoff Interest rates rise Delinquent credit card payments Flee from the influencers Home insurance hardships Sand in the gears of the housing market Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to your personal finance journey. MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense. 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 money! Best friends out!See omnystudio.com/listener for privacy information.
- 2 days ago1h 1m
Avoiding the 'Middle Class Trap' w/ Scott Trench #1148
In Rockin' the Suburbs, Ben Folds pokes fun at the “struggles” of middle-class life… it’s angsty, a little whiny, but also tongue-in-cheek. It’s killer piano rock that makes you laugh because deep down, it’s a little too relatable. And that tension is still alive today. A lot of Americans, and plenty of HTM listeners, feel like they’re doing all the right things: saving diligently and investing wisely but at the cost of flexibility, and maybe even some joy right now. So how do you balance building wealth for the future without squeezing the life out of the present? That’s what we’re diving into today with Scott Trench. He literally wrote the book on this, Set for Life: Dominate Life, Money, and the American Dream, and he has helped thousands of people chart a path to financial independence. Today we discuss: Frugality isn’t a virtue Managing your biggest monthly expense House hacking Scott’s ideal day and vision document Real estate as an inflation adjusted store of value Index funds vs real estate Optionality vs optimality Illiquid investments and avoiding the middle-class trap Why Scott doesn’t count his primary home as an investment And much more! Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: Scott: Check out Scott’s book on the topic, Set For Life as well as the resources he mentioned. Cashback credit cards: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to your personal finance journey. MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense. 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 money! Best friends out!See omnystudio.com/listener for privacy information.
- 4 days ago54 min
Ask HTM – Liquid Cash (How Much is Too Much), AI WW3 Portfolios, & Shopping Local (for a Mortgage) #1147
We’re kicking off the week by answering your 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 - Retirement rollover: Should I pay the fee with Capitalize to expedite my 403b rollover, just wait, or are there other options? 2 - Too liquid: How do I know if I have too much cash since my financial goals are a number of years out? 3 - Safety vs growth: As I approach retirement, does it make sense to buy additional years of service to boost my pension? 4 - Local vs national: Should I pay more for my mortgage if it means better service with a local lender or is it only about the lowest rate? 5 - Autopilot: Is the “AI World War III” portfolio worth considering over on the Autopilot app? Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to your personal finance journey. MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense. During this episode we enjoyed a If It Doesn’t Have OJ I’m Not Drinking It by Two Tides Brewery! 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 money! Best friends out!See omnystudio.com/listener for privacy information.
- 1 weeks ago40 min
Friday Flight - Rent Reductions, Charity Parity, & Home Equity Sharing #1146
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Rent reductions Escrow shortages Home equity sharing EV fees Charity parity Prediction market bans Financial crunch impulse buys Everything’s a subscription Healthcare price hikes Rx drug deals Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to your personal finance journey. MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense. 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 money! Best friends out!See omnystudio.com/listener for privacy information.
- 1 weeks ago56 min
The Case for a ‘Good Enough’ Financial Plan w/ Jesse Cramer #1145
Optimization is everywhere in the personal finance world. If we just invest perfectly, we’ll get where we want to go, faster… What's not to love?! Well, retirement planning might be a lot more like horseshoes and hand grenades, where getting close enough is actually good enough. And chasing perfection? That can come with some real downsides. Our guest today is a dear friend who brings clarity to the world of personal finance. Jesse Cramer began his career as a mechanical and aerospace engineer designing telescopes, and now brings that same precision (plus a genuine desire to help people) into the way he thinks about money. He writes over at The Best Interest, hosts his podcast Personal Finance For Long-Term Investors, and today we discuss: Choosing to not max Roth IRAs How to know if you’re Coast FIRE Striking the balance between optimizing your finances and enjoying life Reversion to the mean and this year’s stock market returns The crushing cost of conservative retirement planning Alternative investments Does retiring earlier mean living longer Aligning your money with your life And much more! Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: Cashback credit cards: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to your personal finance journey. MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense. 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 money! Best friends out!See omnystudio.com/listener for privacy information.
- 1 weeks ago56 min
Ask HTM – Sinking Fund or Pet Insurance, Balance Transfer Card Bonus, & Backfilling an HSA #1144
We’re kicking off the week by answering your 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 - Pet insurance: As I’m expecting some big vet expenses, should I continue to pay for insurance for my dog? 2 - Roth vs 529: Should we save for our son’s college in a Roth since it gives us more flexibility? 3 - HSA: Can I backfill my health savings account to invest, after I pay for an expensive medical procedure? 4 - Cashless kid: What’s the best way for my 14 year old to pay for expenses while at a cashless summer camp? 5 - 0% balance transfer: Are there good balance transfer cards that have good cashback as well? Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to your personal finance journey. MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense. During this episode we enjoyed a Grapefruit Substance by Bissell Brothers! 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 money! Best friends out!See omnystudio.com/listener for privacy information.
- 2 weeks ago41 min
Friday Flight - Insurgent I-Bonds, Trendy Tiny Homes, & Cutting The Big 3 #1143
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Insurgent I-bonds Small business swipe fees Credit card limits lowered Trendy tiny homes Smaller homes in walkable communities Recurring handyman subscription fees Millennial early retirement Cutting back on the big 3 AI financial advisors Chat privacy risks Why the AI hate? Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to your personal finance journey. MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense. 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 money! Best friends out!See omnystudio.com/listener for privacy information.
- 2 weeks ago50 min
The $1M Scholarship Strategy w/ Nia Baiyeroju #1142
Most of us think of college as an investment… one that hopefully pays off over decades. And for a lot of people, it does. But with costs skyrocketing, it’s not quite the slam dunk it used to be. So what if you could flip that equation? What if instead of paying for college, college paid you? Our guest today did exactly that. Nia Baiyeroju earned over a million dollars in scholarships and now she’s helping others do the same. She’s here to break down how it works and how you can take advantage of the estimated $100 billion in available funds. We specifically discuss: Leveraging your unique story An unlikely social media platform to find scholarships Casting a wide net and going for smaller opportunities Losing $20,000 bc of a missing headshot Sidestepping the headache of filling out applications The value of internships Hustling, burnout, and mental health Importance of stated goals and community And much more! Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: Nia: See what else Nia is up to over on her site and all the socials! Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Money Gears: Knowing what to do with your money is crucial to your personal finance journey. Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! 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 money! Best friends out!See omnystudio.com/listener for privacy information.
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About How to Money
Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living a rich life.
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