How to Money

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  The Money Convos You Need to Have With Your Parents w/ Beth Pinsker #1193 16.09.2026 49min

  Financial caregiving is coming for you, whether you like it or not. Rich or poor. Married or single. Famous or anonymous. At some point, someone we love is likely to need us to step in and help care for them. And taking them to a doctor’s appointment is just the tip of the iceberg. Because when someone you love starts to need care, their financial life can very quickly become your financial problem, too. Bills. Bank accounts. Insurance. Investments. Long-term care. Even the question of who gets to make decisions when they can’t make them for themselves. You can put your fingers in your ears and hope you never have to deal with it. Or you can do something that’s much less painful: start preparing before there’s a crisis. We’re joined by Beth Pinsker and her new book, My Mother’s Money, is part memoir and part practical guide to navigating the financial realities of caring for an aging parent. We discuss: The impact of celebrity deaths on estate planning awareness Beth's insights on fighting for proper healthcare and rehab stays Using savings, insurance, and safety nets for long-term care When and how to have tough conversations about aging and finances The importance of community, connection, and proactive planning Practical advice for digital legacy and online account access Lessons learned from caring for her mother that changed her perspective 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.
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  Ask HTM - Affordable Bathroom Reno, Forging Family $ Values, and Trump Account Scam? #1192 14.09.2026 54min

  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 - Forging family values: what are some exercises my wife and I can practice to get on the same financial page? (Check out the HTM Money Mission Statement) 2 - Trump accounts: is this really free money and should my extended family contribute to this account? 3 - 401k rollover: should I keep ‘em separated, or combine my 401k accounts into a singular easy to manage login? 4 - Savings rate calculations: do I include my employer contribution or just keep to my own personal savings rate? 5 - Bathroom remodel: what are the best ways to pay for it to optimize rewards, cashback, and discounts?!   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! 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. 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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  Friday Flight - 529 Hacking, Hollowed-Out Home Ec, & Sucky Stock Pickers #1191 11.09.2026 48min

  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: Foldable iPhone Duo $5k dividend checks 529 hacking Hollowed-out home ec Post-penny economy Gen Zers carrying balances Are platinum cards worth it? Bogus investment advisors Sucky stock/poor pickers Hot cars under $20k (hint: probably a Toyota or Honda) New Rav4 turning heads Gas prices Hypermiling to 83 mpg   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! 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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  The Financial Case for Moving Abroad w/ Richelle Gamlam #1190 09.09.2026 1t

  Spain. Vietnam. Tanzania. Georgia… the one in Europe of course. Ever catch yourself daydreaming about building a life somewhere far beyond the borders of the US? There’s a lot to love about living here. But for many, the pull to see more of the world never really goes away. What’s fascinating is that moving abroad isn’t just a lifestyle decision, it can be a financial one too. Different countries come with different costs, and entirely different ways of thinking about work, money, community, and quality of life. Our guest today is Richelle, founder of Move Abroad Coach. She’s spent more than 12 years living across half a dozen countries and has helped over 3,000 people navigate the leap overseas. Through that work, she’s gained a unique perspective on how where you live can dramatically shape your life and finances… often in ways most people never stop to consider. Today, we’re talking about the real pros and cons of leaving your home country behind: the money, the mindset shifts, the tradeoffs, and the opportunities. Specific topics include: Why Rochelle splurges on personal growth Her first move abroad was a major learning experience Moving abroad can be a financial strategy It’s not a vacation… it’s real life in a new place Remote work and self-employment make the move easier Digital nomad visas open up more options Healthcare can be far more affordable overseas Families can absolutely move abroad too Fit matters more than fantasy And check out her Move Abroad Bootcamp! 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.
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  Ask HTM - Buying With Other People's Money, Vanguard Digital Advisors, & Money Gear 7 Celebrations #1189 07.09.2026 55min

  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 - Other people's money: Is financing more of our new home the best way to get the lowest rate? 2 - $300,000 windfall: Help me to efficiently drain an inherited 401k and invest for the long haul! 3 - Vanguard digital advisor: I’m 29, living in Brooklyn, and saving up for a house - is a robo advisor necessary? 4 - Money Gear 7: We’ve turned our 30 year mortgage into a 12 year - how should we celebrate? 5 - Backdoor Roth: I make too much to contribute to a Roth IRA so is a backdoor worth it?   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! 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. 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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  Friday Flight - Car Insurance Competition, Early Retirement Increasing, & HOA Horrors #1188 04.09.2026 48min

  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: AI toothbrush Car insurance competition (and divident payments!) A time to invest “Early” retirement increasing Ghost jobs Passive income dreams HOA horrors Living back with mom and dad Tough sledding for realtors (Bc who actually needs a realtor?!) Vaca thanks to AI Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! 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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  Build a Retirement You'll Actually Enjoy w/ Wes Moss #1187 02.09.2026 56min

  Anyone else a little tired of hearing about ‘retirement?’ It can feel like this vague, far-off finish line that we're told to obsess over for decades. But here's the thing: when you look at the research, a surprising number of people who are retired—or about to retire—are anxious. They've got regrets. Some of those regrets are financial. But many have nothing to do with money at all. So if we're going to spend years working toward retirement, we should probably make sure we're aiming for one we'll actually enjoy. Joel has known Wes Moss for a long time. They worked at the same radio station for well over a decade. He's still there because, believe it or not, terrestrial radio is still alive and well. His show, Money Matters, has helped countless listeners make smarter decisions about their money, their investments, and, yes, their retirement. Wes has a new book out that challenges a lot of conventional thinking about what makes retirement successful, and today we're diving into the financial and non-financial choices that can help you avoid the regrets so many retirees have. Today we discuss: Why his new research updates his earlier work on happiest retirees rather than replacing it entirely. Fear around retirement is often amplified by nonstop media coverage. Wes says more money alone does not erase anxiety, even for people with $3 million or more. Wes defines happiness in a more Aristotelian way, focusing on fulfillment and purpose rather than pure pleasure. He introduces “money green zones” for investable assets, income, and years left on a mortgage, arguing that happiness rises when retirees land in those ranges. A major theme is core pursuits, which Wes describes as hobbies on steroids. The happy retiree group tends to have 5 or more, and they spend about 20 hours a week on them versus about 13 for less happy retirees. Wes warns that purpose does not just appear in retirement. It has to be built intentionally well before leaving work. They talk about the “friendship recession” and how it gets harder to make close friends with every decade, making community a key retirement asset. The conversation also covers the emotional power of being able to say you could retire now, even if you choose not to. Wes says that confidence correlates with a 21% jump in happiness. On the financial side, Wes explains why a retirement plan, safe assets, and a flexible withdrawal strategy can reduce fear and improve spending confidence. They discuss Social Security timing, with Wes leaning toward using it sooner if doing so helps someone retire a year or two earlier and live better. How much of a remaining mortgage leads to higher levels of happiness 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.
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  Ask HTM - 3% Mortgage Paydowns, Brokerage Account Tax Bills, & Am I “Extra” For Wanting AC?! #1186 31.08.2026 53min

  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 - Extra cash: Should we use our savings to pay down a mortgage that’s at 2.8% for 30 years? 2 - Brokerage taxes: How do I prepare for paying taxes on dividends and could you explain ‘tax drag’? 3 - Credit card apps: Am I crazy for feeling hesitant to enter my credit card information into card maxing apps? 4 - Hot and tired: Our window units aren’t keeping up with the heat so is it OK to finance central air?   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! 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 Forgotten Lake by Lake of the Woods Brewing… thank you David S for sending this one our way! 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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  Friday Flight - America’s Debt Debacle, Perpetual Shopping, & Mystery Vacations #1185 28.08.2026 50min

  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: Matt’s big reveal Slick deals lingerie America’s debt debacle Job hopping superpower Quick responses “Leave the workforce” clause in prenups Joint back accounts and happy couples Is buy now pay later all that bad? Perpetual shopping Mystery vacations to save Travel e-sim boom   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! 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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  How Americans Got Rich: The History of Wealth in America w/ Joseph Moore #1184 26.08.2026 59min

  “There’s nothing new under the sun.” That comes from Ecclesiastes. But it’s a piece of wisdom we tend to neglect. It's often said that those who forget history are doomed to repeat it. But what if a poor understanding of history does something else too: leaving us less grounded and giving us unrealistic expectations about how life used to be? It’s time for a history lesson today, but not just for the sake of memorizing names, dates, and events. Drawing on countless examples from history, national bestseller Joseph Moore argues that while we're constantly looking back with nostalgia at the "good old days," we may actually be living through the greatest era of prosperity. The books is How To Get Rich In American History, and today we unpack: Why Americans misunderstand the past and over-romanticize earlier eras The American Dream has been declared dead for centuries Optimism and an internal locus of control matter financially Why “stocks for the long run” is a modern idea Early Americans were often told not to save money Real estate myths: it does not always go up and it is not passive FIRE as the CrossFit of personal finance Women’s income has long been central to family wealth Five takeaways from history: solve problems, take risks, move, marry well, believe you can do it 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.
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  Ask HTM - Overrated HSA, 13% Dividend Yields, & Getting Into Real Estate #1183 24.08.2026 57min

  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 - HSA: I don’t see how investing money in a Health Savings Account is going to move the needle for me? 2 - Dividend stocks: I keep buying individual stocks, but maybe it’s time to cut bait? 3 - Renovate/rent: We’re interested in getting into single family housing but how do we go about it? 4 - Cash reserves: What steps do I take to have 1-3 years of cash on hand for retirement?   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! 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 Lakeside Kolsch by Lake of the Woods Brewing… thank you David S for sending this one our way! 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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  Friday Flight - Friendly Financial Advice, Student Loan Shakeout, & Checks are for Chumps #1182 21.08.2026 47min

  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: Friends and money in The Guardian Ubiquitious sports-betting Friendly financial advice Whole Foods on the cheap Suveillance grocery pricing Student loan pause = mostly bad outcomes Goodbye Grad and Parent Plus Home equity piggy banks Monitoring for fraudulent credit card charges Checks are for chumps (Jay Z on the power of cash) Vans are back baby! “Dumb” cars Flock cameras… good or bad?   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! 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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  Parenting Like A Millionaire w/ Millennial Revolution #1181 19.08.2026 59min

  What’s harder: parenting… or the cost of it? We’re huge fans of having kids. They teach you so much, force you to become less self-absorbed, and – let's be real – it’s incredible to watch little mini versions of yourself running around bringing so much joy, purpose, and chaos to your daily life. But financially? Raising a family can feel more daunting than ever. Between housing, childcare, activities, and expenses that seem to multiply overnight, many parents are left asking: How do we make this work? That’s why we’re joined today by Kristy and Bryce of Millennial Revolution. They’ve written a practical new book, Parent Like a Millionaire (Without Being One), on raising kids thoughtfully and confidently without needing a seven-figure bank account. Today we discuss: The impact of money on birth rates Myths and facts of the cost or raising a child “Big Baby” Living smaller and avoiding unnecessary life upgrades Nanny sharing and childcare alternatives Teaching kids financial autonomy and independence Joys of parenthood Gift of financial independence while parenting 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.
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  Ask HTM - Escaping Dealership Ripoffs, Aldi’s Rising Prices, & The Misery of Being House Poor #1180 17.08.2026 55min

  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 - House poor: What to do when all your money goes towards your mortgage? 2 - Aldi: Is it true that the best budget grocery store isn’t taking the AMEX Blue Cash Preferred anymore? 3 - Expensive babies: Should I plan to carry newborn delivery costs on a credit card? 4 - Car dealership: How can I avoid fees and cut other costs when I shop for a car at the dealership?   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! 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 Juicy A by Flying Monkey Brewing… thank you David S for sending this one our way! 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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  Friday Flight - Cash Hoarding, Spendy Sports, & WFH Fees #1179 14.08.2026 47min

  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: Thoughts on the $20 burrito Real wages rise a little Cash hoarding Big banks are still sticking it to you Spendy sports Shot-through shirts WFH fees Pension-ification of your 401k Gen Z investing in WHAT?! Mandated self checkout WhatNot to buy   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! 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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  Never Worry About Money Again w/ Jesse Mecham #1178 12.08.2026 56min

  Frugality is a cornerstone of personal finance advice: cut back, spend less, reduce waste. And for the average American drowning in debt, that’s often solid advice. But money isn’t meant to just sit there untouched—it’s also meant to be spent, experienced, and enjoyed. In fact, even the money you save is really just deferred spending. And let’s face it: money isn’t easy to come by. We work hard for every dollar we earn. So maybe the answer isn’t simply spending less. Maybe it’s spending with more intention. Our guest today wants you to worry less about money, and he argues that the path there isn’t endless deprivation—it’s changing the way you think about spending altogether. Jesse Mecham is a best-selling author and founder of YNAB, the beloved budgeting app that’s helped millions take control of their finances. Today we discuss his brand new book, Never Worry About Money Again, and dive into concepts like: Financial worries are a low grade hum Money as an expression of self Why Jesse believes we should love money Aligning money with life goals and values Influence of interior work and self-awareness Practical tips for simplifying money systems Kids as a status symbol What it means to be a “rec league” family 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.
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  Ask HTM – Investing or Parking Cash, Ignoring Family Money Advice, & When Rates are Low Enough for a Refi #1177 10.08.2026 1t 6min

  Big money mistakes usually come from doing the “smart” thing too soon. We break down listener decisions that look simple on the surface, but could cost you thousands if you get the timing wrong… from where to park a home-sale windfall, to whether a refi is actually worth it, to why stock-picking advice from family can be a trap, and more! 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! If you’re sitting on cash you’ll need soon, debating whether to become a landlord, or wondering if your mortgage rate is low enough to justify another refinance, we give you the clearest path forward. We also tackle the hidden risk in chasing returns with individual stocks and ETFs, and explain why boring, liquid, diversified choices usually win when the clock is ticking. You’ll discover:1 - Home purchase: Why a high-yield savings account or money market fund is usually the right move for short-term home-buying cash.2 - Refi: How to think about refinancing through payback period instead of obsessing over the interest-rate drop.3 - Investing tips: The difference between broad index funds and narrow ETFs, and why that matters for risk4 - Helping others: Paying it forward for others to achieve financial freedom5 - Financial safety net: When a HELOC can be a backup and why a reverse mortgage is a very different beast. 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 Bear Hug IPA by Market Brewing… thank you David S for sending this one our way! 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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  Friday Flight - Frustrating Funflation, Money Morons, & Home Haters #1176 07.08.2026 53min

  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: Grocery slowdown Cashback for groceries Premium credit card trap FUNFLATION Are you willing to take the bus? Money morons More credit card debt than investments Dwindling Social Security Changing homeowner expectations Ripoff mortgages DIY upgrades  for home insurance discounts Skipping the security deposit The price of water   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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  A Field Guide to Wealth & Purpose in Your 20s w/ Jack Raines #1175 05.08.2026 57min

  There’s a lot packed into your 20s. You’re getting an education — formal or otherwise. You’re figuring out what you believe about work, money, relationships, success, and who you want to become. Sure, that process doesn’t stop at 30, but your 20s are especially formative. And there’s no shortage of advice aimed at young adults. Commencement speeches. Career gurus. Personal finance influencers. But a lot of it misses the deeper question of what actually matters. And in a world full of noise, it’s getting harder to separate wisdom from status signaling. Today we’re joined by Jack Raines. He’s a young guy who made some pretty countercultural choices — walking away from prestigious jobs, big paychecks, and conventional definitions of success to build a life on his own terms. His new book, Young Money, is part memoir, part guidebook for the generation coming behind him and today we discuss: Embracing risk in your 20s Balancing financial responsibility and enjoyment Avoiding mindless toil Recognizing meaningful work FIRE as a mental illness Different goals for different life stages Why Jack believes “Am I having fun” is the most important question 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.
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  HTM is BACK! (Video Edition) #1174 03.08.2026 1t 6min

  Join our first ever video podcast as we explore the latest in personal finance, technology, and lifestyle, sharing insights and practical tips to improve your financial well-being and enjoy life to the max! Today we get into: Our summer travel highlights and money-saving tips Apple's new devices and price hikes explained The rising cost of healthcare and how to manage it Entertainment on a budget: movies, ice cream, and more The industry of sports betting and its financial impact Listener questions and summer sabbatical reflections The future of technology and personal finance Practical tips for family finances and investments And a lot more ridiculousness!   Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - SUBSCRIBE! 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.