Podcast
How to Money
Hosted by iHeartPodcasts · EN
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.
225episodes
Episodes
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Friday Flight - Insurgent I-Bonds, Trendy Tiny Homes, & Cutting The Big 3 #1143
3d ago00:41:25Summary readyTime 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.
SummaryThe $1M Scholarship Strategy w/ Nia Baiyeroju #1142
5d ago00:50:55Summary readyMost 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.
SummaryAsk HTM – Looking to the Stars to Save, High Price to Pay for Financial Advice, & Setting up a Roth for a Minor #1141
1w ago00:53:03Summary readyWe’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 - Kid IRAs: How do I go about setting up a Roth IRA for a minor? 2 - Advisor fees: By my math, most folks are paying closer to 20-25% for financial advice! 3 - Pension credits: Should I spend $50,000 to purchase teacher service credits in order to boost my pension? 4 - US Mobile: I’m considering switching to the new Starlink home internet… good idea? 5 - Rent vs own: Why don’t y’all ever talk about the nightmares associated with renting?! 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 Whippersnapper by Two Tides Brewing! 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.
SummaryFriday Flight - Mistaken Starting Salaries, Crypto Mortgages, & Self-Inflicted Inflation #1140
1w ago00:44:37Summary readyTime 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: Waiting till 8th Secondhand tech Cities with all the jobs Mistaken starting salaries Slow state of play in the housing market Crypto-backed mortgages Commuting “literally breaking me” Biking actually is an alternative Self-inflicted inflation Energy bills on the rise More borrowing to get by 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.
SummaryAchieving Financial Independence as a Late Starter w/ Bill Yount #1139
2w ago01:01:40Summary readyThe vast majority of HTM listeners are Gen Z and Millennials - people who are starting early and taking the bull by the horns. But that’s not true for everyone in our audience, and it’s certainly not true for the average American. Our guest today didn’t even start thinking about financial independence until age 50. But he made up for lost time in a big way and now he’s helping thousands of other late starters do the same. Bill Yount is an emergency room physician on a mission to help people escape the rat race, live more balanced lives, and reclaim their time. His podcast, Catching Up to FI, is packed with practical wisdom for anyone who feels like they’re late to the game. Today we discuss: Bill’s personal journey from burnout and debt Geo-arbitrage and massively downsizing Debunking the myth that all doctors are rich Debt payoff or investing when you’re last to the game Transitioning to retirement and the “One More Year Syndrome” Emotional aspects of retirement A general take to living a full and engaging life And much more! Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: Bill: Listen to his podcast, Catching Up To FI with co-host (and friend of the pod) Jackie Cummings Koski! 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.
SummaryAsk HTM - Budgeting for Credit Card Rewards, HELOC for Home Improvements, & Coast FI with Bonds #1138
2w ago00:55:44Summary readyWe’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 - Coast FI: How intentionally should I shift my retirement portfolio to bonds if I’m nearing financial independence? 2 - Credit card bonuses: Does it make much sense for me to budget and track the thousands I receive in rewards? 3 - Trusts: Should we prioritize setting up a trust now that we have a young child? 4 - Rx sunglasses: Where can I get affordable Rx sunglasses that I won’t be afraid to lose? 5 - HELOC: What makes one HELOC better than another? 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 Dream Operator by Piedmont 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.
SummaryFriday Flight – Recycled Rags, Slow Shipping, & Sayonara Spirit (or not...) #1137
2w ago00:42:15Summary readyTime 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: Bad bunnies (cost money) Negative car equity A car loan opportunity cost breakdown VOO the GOAT Flipping fleece jackets Recycled rags Slow shippers saving Spending more to live longer Outliving your money Babies or bougie EV sales are up Sayonara Spirit (or not… Spirit 2.0 -> LetsBuySpiritAir.com) 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.
SummaryBuilding Wealth When Markets Get Messy w/ Ben Carlson #1136
3w ago00:55:59Summary readyShark attacks, plane crashes, and lightning strikes… these are the dramatic and headline-grabbing events that are terrifying but incredibly rare. The odds you’ll ever experience those unfortunate events are tiny, so is it technically risky? Meanwhile, something as ordinary as driving to work should be considered more often since in the US, there are 6 million car accidents a year! When you start looking closely, risk and reward show up everywhere in our lives. And for investors especially, understanding the REAL risks we face, not the ones that dominate headlines, is essential to building a strategy that truly works. Our guest today has made it his mission to bring common sense back to finance. Ben Carlson is the Director of Institutional Asset Management at Ritholtz Wealth Management, where he focuses on managing portfolios for institutions and individuals. He is the creator of the widely read blog A Wealth of Common Sense and the author of several books on investing, including his new release, Risk and Reward. Today we discuss: Over-indexing on existential risk vs personal risk “When do you need your money?” Stress testing your investments International’s spot in a portfolio Timing the AI “bubble” Role of cash in investments, but also in personal finance Protecting your wealth from inflation Bonds for younger investors Adopting a long term investing mindset Treating “future you” like a bill And much more! Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: Ben: Check out Ben’s new book, Risk & Reward: How to handle market volatility and build long-term wealth. 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.
SummaryAsk HTM: Conquering Debt-Fuled Lifestyle Inflation, Investing a Used Car Payment, & Making the Most of a VA Loan #1135
3w ago00:57:13Summary readyWe’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 - Debt-fueled lifestyle inflation: Should I sell a rental property to pay off my 401k loan used to install a pool? 2 - Car financing: Does it make more sense to pay for a new/used car in cash or make payments and invest the difference? 3 - Military service/VA loans: What are the pros and cons of going with a VA loan for a new home we’d like to purchase? 4 - 403b: Leave it, transfer it, roll it, or convert it? (or maybe even BOP it?!... Capitalize could be a part of the solution) 5 - 529 plans: How should I sort through all the options available?! (Virginia's direct-sold site is Invest529.com) 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 DDH Cosmik Debris by Creature Comforts… thanks for donating this one to the pod Nick! 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.
SummaryFriday Flight - College Cost Cutting, Predictive Credit Scores, & Work Perk Pruning #1134
3w ago00:35:54Summary readyTime 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: 3-year bachelor’s degrees and degree hacking Private student loans around 3% Insurance premium factors Predictive credit scores APR reduction scams Phishing for zoomers Work perk pruning Swapping iPhones for icedreams Combatting food waste Pre-gaming to avoid high priced booze $50 movie tix Booking on a Tuesday! 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.
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