How to Money

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• Ask HTM - Are FSAs Worth The Hassle, Making Too Much for a Roth, & Mentally Shifting from Saver to Spender #1168 (Bestie Ep) 20.07.2026 53分

  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 - What are the tax consequences of selling a single stock within my Roth IRA? 2 - How do I shift my mindset from saver to spender as I enter my retirement years? 3 - I’m getting close to making too much money to qualify for a Roth- how can I avoid that income threshold? 4 - Will closing a bank account that I’ve had since my teenage years hurt my credit score? 5 - Are Flexible Spending Accounts (FSA) worth the hassle?   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 Blood Orange Double Wit by Ponderosa Brewing- a big thanks to Bob for donating this one to the pod! 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.
• The Science of Smarter Spending #1167 (Bestie Ep) 17.07.2026 51分

  We love nerdy board games! And one of the things that makes them fun, besides getting to play them with friends and family, is the competition for scarce resources. For instance with the Settlers of Catan, it takes a few rounds of play to get the resources you need to build the settlements, cities, and development cards that help you rack up victory points in Catan. It’s a classic that still holds up, and like most games it's all about tradeoffs. Should you focus on building a road or upgrading to a city? You can’t do it all and you can’t get everything you want all at once. And it turns out that our financial lives are kind of like a game of Catan as we’re always making tradeoffs as well- in particular when it comes to our expenses. We’re torn between the decision of spending big money on an item that we know is going to last, versus an inferior item that will get the job done- at least for a little while, before inevitably breaking. Today we talk about the pros and cons of planned obsolescence, the culture of disposability, the buy it for life movement, as well as changing the way we think to ensure that we’re allocating our dollars to maximize satisfaction!   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 Song of Winter by Hill Farmstead- a big thanks to Michael and Emily 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.
• Turning Thousands Into Millions w/ Paul Merriman #1166 (Bestie Ep) 15.07.2026 58分

  Sure you could simply invest in a target date fund, or even take the more aggressive path by going all-in on equities and investing solely in the S&P 500. But what if that means you’re potentially leaving millions on the table by the time you reach retirement? That’s the question at the center of our conversation today with our guest Paul Merriman. He is the author of eight books, has a regular column at MarketWatch, is a legend in the DIY investing arena, and is an advocate of the Two Funds for Life investing strategy. That strategy outperforms the S&P and we discuss how you’re able to do that with small-cap value stocks! After Paul retired from his wealth management firm he founded the Merriman Financial Education Foundation a little over a decade ago. Of course it’s a non-profit, and is “dedicated to providing comprehensive financial education to investors at all stages of life” which is a mission that really resonates with us- he wants individuals to be informed and to understand how much they might be missing out on. We look at the historical data and it’s convincing enough that we might be changing how it is that we invest for our future!   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 Discipline Dubbel by Bold Monk! 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.
• Ask HTM - Societal Impact of Credit Card Fees, Auto Transfer vs Auto Invest, & Shielding Your Credit Report from a Bill in Collections #1165 (Bestie Ep) 13.07.2026 51分

  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 - I have a recurring transfer to my Roth IRA but is that money actually invested? 2 - How do I keep a bill in collections from hitting my credit report? 3 - Should my life insurance death benefit be based on my outstanding debts or on a multiple of my annual income? 4 - If the societal impact of credit card fees are so negative, shouldn’t we avoid using them altogether?   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 Walk on Water White by Bold Monk! 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.
• Buffettisms: Lessons from the GOAT Investor #1164 (Bestie Ep) 10.07.2026 46分

  Who is the greatest actor of all time? You might have an opinion- maybe it’s Meryl Streep or Daniel Day-Lewis, but this would likely lead to a pretty fierce debate. And the same could be said about athletes- who is the greatest? Is it Michael Jordan or Michael Phelps? Well it depends on who you’re asking because it’s in the eye of the beholder to a certain extent. We all want to know what sets the  greatest in their given field apart from the ones who were just really good. Luckily the greatest investor conversation isn’t nearly as fraught. Warren Buffett is the GOAT in our eyes and we’re certainly not alone in that assumption. And it’s not only due to the returns he’s garnered- his longevity, consistency, and humility are admirable as well. So today we’re going to talk about the GOAT investor and what financial, and life lessons we can learn from him. How you should approach your investments, how long you should be holding them, and what you should be investing in are just a few questions we’ll answer today.   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 Blender Black-Ras by New Park Brewing- thanks for donating this one to the pod Matthieu! 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.
• The Myth of the Broke Millennial w/ Dr. Jean Twenge #1163 (Bestie Ep) 08.07.2026 52分

  There’s a massive difference between how something feels versus the actual reality. We’re talking about vibes as opposed to empirical evidence. And that’s why we’re happy to talk with Dr. Jean Twenge who is a professor of psychology over at San Diego State University. She has researched the personal finances of the different aged cohorts and few experts have addressed the topic of generational change as well as she has. Dr. Twenge has written multiple books on the defining characteristics of specific generations- she did that in her book iGen where she focused on Gen Z, and her latest book, Generations, covers the oldest Silent Generation to the youngest Polars. And an article that she wrote in the Atlantic really caught our eye, because not only did she write about our generation, but she spoke directly to the wealth accumulation of Millennials which of course we found particularly fascinating. Today we discuss generational stereotypes, the impact of individualism and technology on wealth, some of the bigger financial obstacles we face today that our parents didn’t have, the ‘slow life strategy’ and what that means for Gen Z, plus much more!   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 an Icelandic Arctic Pale Ale by Einstok Olgerd! 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.
• Ask HTM - (Gun) Hobby Spending Disagreements, International Roaming with the Low Cost Providers, & Managed Retirement Accounts FTW? #1162 (Bestie Ep) 06.07.2026 50分

  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 - Should I exit a managed retirement account even though I have seven figures in there? 2 - Is there any benefit to paying off a mortgage earlier in the life of the loan as opposed to later? 3 - What should I keep in mind as the new owner of the house next to me is planning to rent it out? 4 - How should I approach a gun hobby spending disagreement with my spouse? 5 - International roaming with the low cost cellular providers- Mint Mobile or someone else?   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 an Icelandic Arctic Lager by Einstok Olgerd! 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.
• The Harsh Realities of Real Estate Investing #1161 (Bestie Ep) 03.07.2026 48分

  Is homeschooling the best move for your family? Maybe!? That depends on so many factors like your family values, the goals for your career, what resources are available to you, and even what school your kids are currently attending. We’re both products of basic public schooling, but it’s a topical question as the percentage of children who are homeschooled has basically doubled in the past few years- but, homeschooling isn’t a slam dunk decision. And the same is true on the real estate investing front. We love that path for some people and it’s a strategy that has worked out well for us. You’ve heard of real estate moguls who’ve made millions ‘in real estate’ and maybe the algorithm is even feeding you social media influencers who are claiming that it’s so easy. Well today we have a nuanced conversation to help you to determine if it’s right for you or not. We discuss how the real estate market has evolved over the past decade, some of the cons in addition to pros of becoming a landlord, some alternative ways to invest in real estate that are essentially passive, as well as some lower risk ways to wade into the waters of investing in real estate.   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 an US Alive by Mikkeller 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.
• The Harsh Realities of Real Estate Investing #1161 (Bestie Ep) 03.07.2026 48分

  Is homeschooling the best move for your family? Maybe!? That depends on so many factors like your family values, the goals for your career, what resources are available to you, and even what school your kids are currently attending. We’re both products of basic public schooling, but it’s a topical question as the percentage of children who are homeschooled has basically doubled in the past few years- but, homeschooling isn’t a slam dunk decision. And the same is true on the real estate investing front. We love that path for some people and it’s a strategy that has worked out well for us. You’ve heard of real estate moguls who’ve made millions ‘in real estate’ and maybe the algorithm is even feeding you social media influencers who are claiming that it’s so easy. Well today we have a nuanced conversation to help you to determine if it’s right for you or not. We discuss how the real estate market has evolved over the past decade, some of the cons in addition to pros of becoming a landlord, some alternative ways to invest in real estate that are essentially passive, as well as some lower risk ways to wade into the waters of investing in real estate.   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 an US Alive by Mikkeller 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.
• Military to Millionaire w/ Lacey Langford #1160 (Bestie Ep) 01.07.2026 55分

  Only 9% of young Americans have shown an interest in serving in the military according to the latest figures- we’ve seen a precipitous drop which means that our nation’s security could be at risk in the future. And not only that but when you look at it through a simple economic lens, the lower the supply (in this case of individuals willing to serve), the higher the benefits those individuals will receive. So not only are new enlistees fulfilling a patriotic duty, but they also have the opportunity to reap some serious financial rewards as well. That’s why we’re pumped to talk with Lacey Langford on the podcast- she’s a veteran, a milspouse, and an Accredited Financial Counselor with over 15 years of financial planning, counseling, and coaching experience. Today we talk about the host of financial benefits from serving our country and joining the military: Thrift Savings Plans, pensions, the GI Bill that pays for college and other training, tax avoidance, free healthcare, and more!   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 100% Lambic Bio Geueze by Cantillon! 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.
• Ask HTM - Losing Weight to Gain Wealth, Free Car Leases, & Hacking Mortgages #1159 29.06.2026 56分

  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 - Inheritance windfall: Should I keep an inheritance with financial advisors or is it time to trust myself? 2 - ESPP: What’s the best way of taking advantage of my Employee Stock Purchase Plan? 3 - FAVR: Does it make sense to lease a new car if it’s covered by my employer’s Fixed and Variable Rate Reimbursement? 4 - Losing weight: … in order to pay less for life insurance! 5 - Mortgage hack: I’ve got a strategy to slash years off the length of my mortgage, but should I?!   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 60 Minute IPA by Dogfish Head! 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.
• The Understated Power of Stealth Wealth #1158 (Bestie Ep) 26.06.2026 50分

  Clark Kent has a nerdy newspaper job, he’s got thick glasses- he’s definitely not cool in the city of Metropolis. But when he pulls back the white button up, he’s a beast and becomes Superman! He has superhuman strength, heat vision, freeze breath, and all sorts of special powers that allow him to kick butt and save the world. But Clark Kent doesn’t need everyone to know what he’s capable of- his power is understated and somewhat disconnected from his everyday life. And when it comes to our finances, there’s massive power that we hold as individuals when we don’t feel the need to signal to others what we’re capable of. We gain a degree of financial freedom, a life with less stress, and ultimately a sense of happiness and contentment that doesn’t come from the approval of others. Listen as we discuss how you can practice stealth wealth and achieve it as a goal in your life.   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 Copper by The Olde Mecklenburg Brewery- a big thanks to Greg for donating this one to the podcast! 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.
• What Most People Get Wrong About Paying Off Debt w/ Johanna Samara #1157 24.06.2026 51分

  Student loan balances are climbing, credit card debt is hitting new highs year after year, new forms of borrowing like buy now pay later seem to appear out of thin air (which is a testament to just how creative the financial lending industry can be)! We’re a nation steeped in debt and it’s become so normal that we barely question it anymore. But once you realize the emotional toll it’s taking, digging your way out of a debt hole is a lot harder than it sounds. In fact, studies show the biggest barriers to getting help aren’t just financial, they’re personal: a lack of confidence or know-how, paired with feelings of embarrassment, shame, and even moral failure. That’s why we’re excited to have Johanna Samara joining the show! Johanna has spent two decades on the front lines of the debt world, she’s currently the VP of Debt Resolution at Money Management International which is one of our favorite nonprofit debt solution providers, and today we discuss: Rising cost of living Shifting debt from lifestyle to survival Collecting internally to a collections agency MMI mission and how they’re different than for-profit management  Settlement is NOT the only option Overcoming the stigma of debt Communicating with a creditor and giving full disclosure Statute of limitations 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.
• Ask HTM - Looking a Gift House in the Mouth, Prepaid Visas, & Wealth Inequality in the US #1156 22.06.2026 55分

  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 - Gift house: My future in-laws might gift us a home… that we’ll eventually own… good idea? 2 - Prepaid Visa: Is it frugal or cheap to leave an entire prepaid Visa during a dinner out? 3 - Wealth inequality: Research, resources, questions to ask… let’s get into it! 4 - Home maintenance: What are some tips for a first-time homeowner when it comes to lawn care, pest control, and other home services? 5 - ABLE accounts: Should I deprioritize my new ABLE account if there’s a chance that I’ll over-save and invest?   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 I’m Only Me When I’m With You 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.
• Post-Graduation Money Advice for the Real World #1155 (Bestie Ep) 19.06.2026 56分

  Getting your driver’s license was a liberating milestone worth celebrating because it meant you no longer needed your parents to drop you off at work, or it meant that your friends didn’t need to pick you up to hang out- you had some freedom to do what you wanted! It was a period of life that was likely accompanied by significant change that we can only truly appreciate in hindsight. And as fun as it was to drive on your own for the first time, graduating high school or college is an even more momentous occasion that comes with the ability to change your trajectory in life. Or to even chart a new course that’s completely different from the one you’ve been on- in a way it’s a fresh start. And this extends to money as well because if you follow the right advice at this critical juncture, you have the ability to drastically change how your personal finances are going to look just 5 or 10 years from now. You could end up loaded with debt or you could be well along the path towards financial independence. But one of the problems is that we often don’t have a plan when it comes to our finances. So that’s what we’re discussing today: the relationship between time and money especially when you’re younger, using your money to minimize regrets, upgrading your life on purpose, and the most time-tested ways to invest your money.   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 The Taken by Casa Agria x There Does Not Exist! 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.
• Earn Your Freedom: Doing the Work That Pays Off w/ Bola Sokunbi #1154 17.06.2026 58分

  Some of the best things in life are free, but many of the most meaningful goals demand serious time, effort, and sacrifice. The problem is, we rarely get a clear look at what it actually takes to reach those heights. Instead, we see the highlight reel, not the hard parts, which can leave us with a warped sense of the work required to achieve our own ambitions. Our guest today is here to set the record straight. She believes you can earn your freedom but only if you’re willing to put in the work. Bola Sokunbi is a first-generation immigrant who has helped tens of thousands of women build wealth and take control of their financial futures. Her personal story, paired with her practical advice, makes for a powerful combination. Bola’s new book is Clever Girl Millionaire and today we discuss:  High cost of financial splurges run amok Appreciating vs depreciating assets Quickly adapting to a new financial system The example set by her parents Learning financial lessons the hard way Building wealth with side hustles Identifying your phase of life Determining your “bigger why” 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.
• Ask HTM - Jumbo Down Payments, Insufficient 25% Savings Rate, & a Failure to Financially Launch #1153 15.06.2026 1時間 5分

  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 - Jumbo downpayment: What’s the downside of putting down more on a house in order to reduce my monthly payment? 2 - Saving rate stress: Should I worry about contributing to my Roth if I’m already investing 25% of my income via my 401k? 3 - Roboadvisor: Is it worth paying the extra .2% for the Vanguard roboadvisor or should I rebalance on my own? 4 - Failure to financially launch: What do I do about my adult son who has ruined his credit, only recently landed a solid job, and now wants to buy a house?   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 Whale Fall by Creature Comforts! 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.
• Friday Flight - Overblown AI, Portfolio-Powered Wealth, & K-Shaped Credit #1152 12.06.2026 36分

  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: WFH holding you back Education debt = time thief Nice gal discounts AT&T vs US Mobile K-shaped credit scores Super prime downsides Portfolio over politics Social Security cliff approacheth  (and Mike Piper on millennials counting on SS) Stock driven wealth BTC underwater   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.
• The Invisible Economic Forces Shaping Your Life w/ Planet Money's Alex Mayyasi #1151 10.06.2026 59分

  Try to explain consciousness. Go ahead… we’ll wait. It’s almost impossible, but that doesn’t make it any less real! Same with gravity. You can’t see it, but it shapes every movement you make, and it did long before anyone could fully explain it, even after Isaac Newton put words and math to it. Economic forces work similarly to gravity. You don’t always see them, you might not fully grasp them, but they quietly influence every financial decision you make, from the biggest to the smallest. That’s what today’s show is all about. Alex Mayyasi is a journalist, podcaster, and author of the new book, Planet Money, where he explores the hidden economic forces shaping everyday life. Today we discuss: Pricing is more than just a number Tariffs as taxes and their impact on quality of goods Our personal choices in an uncertain world Absolute wealth vs relative wealth Expectations for continued economic growth Housing supply and demand as a game of musical chairs Alex’s new podcast about the business of food, Gastronomics 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.
• Ask HTM – Butting Heads with Investing Gurus, 4% Mortgage Ripoff, & Hoarding Cash at Retirement #1150 08.06.2026 56分

  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 - JL Collins: Do you guys agree with the same investing principles in The Simple Path to Wealth? 2 - Mortgage ripoff: Even though I have a 4% mortgage, why am I paying closer to 45% in interest?! 3 - Cash or stocks: Since we’re nearing retirement, should we refill our cash holdings or go all in on investing instead? 4 - Extra income: Help us figure out what we should be doing with more income than we know what to do with!   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 Here’s To Feeling Good All The Time 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.