How to Money
Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. They believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living a rich life.
Episodes
Friday Flight - Overblown AI, Portfolio-Powered Wealth, & K-Shaped Credit #1152
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
The Invisible Economic Forces Shaping Your Life w/ Planet Money's Alex Mayyasi #1151
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 the
Ask HTM – Butting Heads with Investing Gurus, 4% Mortgage Ripoff, & Hoarding Cash at Retirement #1150
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
Friday Flight - Space Stocks, Delaying Debt, & Home Insurance Hardships #1149
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Stock exposure rules
Avoiding the 'Middle Class Trap' w/ Scott Trench #1148
In Rockin' the Suburbs, Ben Folds pokes fun at the “struggles” of middle-class life… it’s angsty, a little whiny, but also tongue-in-cheek. It’s killer piano rock that makes you laugh because deep down, it’s a little too relatable. And that tension is still alive today. A lot of Americans, and plenty of HTM listeners, feel like they’re doing all the right
Ask HTM – Liquid Cash (How Much is Too Much), AI WW3 Portfolios, & Shopping Local (for a Mortgage) #1147
We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Retirement rollover: Should I pay the fee with Capitalize to expedi
Friday Flight - Rent Reductions, Charity Parity, & Home Equity Sharing #1146
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Rent reductions Escr
The Case for a ‘Good Enough’ Financial Plan w/ Jesse Cramer #1145
Optimization is everywhere in the personal finance world. If we just invest perfectly, we’ll get where we want to go, faster… What's not to love?! Well, retirement planning might be a lot more like horseshoes and hand grenades, where getting close enough is actually good enough. And chasing perfection? That can come with some real downsides. Our guest today is a dear friend who brings
Ask HTM – Sinking Fund or Pet Insurance, Balance Transfer Card Bonus, & Backfilling an HSA #1144
We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Pet insurance: As I’m expecting some big vet expenses, should
Friday Flight - Insurgent I-Bonds, Trendy Tiny Homes, & Cutting The Big 3 #1143
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Insurgent I-bonds Sm
The $1M Scholarship Strategy w/ Nia Baiyeroju #1142
Most of us think of college as an investment… one that hopefully pays off over decades. And for a lot of people, it does. But with costs skyrocketing, it’s not quite the slam dunk it used to be. So what if you could flip that equation? What if instead of paying for college, college paid you? Our guest today did exactly that. Nia Baiyeroju earned over a million dollars in scholarships
Ask HTM – Looking to the Stars to Save, High Price to Pay for Financial Advice, & Setting up a Roth for a Minor #1141
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 - Kid IRAs: How do I go about setting up a Roth IRA for a minor? 2 -
Friday Flight - Mistaken Starting Salaries, Crypto Mortgages, & Self-Inflicted Inflation #1140
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: Waiting till 8th Sec
Achieving Financial Independence as a Late Starter w/ Bill Yount #1139
The vast majority of HTM listeners are Gen Z and Millennials - people who are starting early and taking the bull by the horns. But that’s not true for everyone in our audience, and it’s certainly not true for the average American. Our guest today didn’t even start thinking about financial independence until age 50. But he made up for lost time in a big way and now he’s help
Ask HTM - Budgeting for Credit Card Rewards, HELOC for Home Improvements, & Coast FI with Bonds #1138
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 - Coast FI: How intentionally should I shift my retirement portfolio
Friday Flight – Recycled Rags, Slow Shipping, & Sayonara Spirit (or not...) #1137
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: Bad bunnies (cost mo
Building Wealth When Markets Get Messy w/ Ben Carlson #1136
Shark attacks, plane crashes, and lightning strikes… these are the dramatic and headline-grabbing events that are terrifying but incredibly rare. The odds you’ll ever experience those unfortunate events are tiny, so is it technically risky? Meanwhile, something as ordinary as driving to work should be considered more often since in the US, there are 6 million car accidents a year! Whe
Ask HTM: Conquering Debt-Fuled Lifestyle Inflation, Investing a Used Car Payment, & Making the Most of a VA Loan #1135
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 - Debt-fueled lifestyle inflation: Should I sell a rental property to
Friday Flight - College Cost Cutting, Predictive Credit Scores, & Work Perk Pruning #1134
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: 3-year bachelor&rsqu
Flights Are Getting Pricier! (*here’s how to pay less*) w/ Kyle Potter #1133
Most of our best memories (and stories) come from trips we’ve taken. Some were incredible international adventures while others were ridiculously cheap road trips across different parts of the U.S. It’s been said that travel is the only thing you buy that makes you richer, and we’re inclined to agree. Our guest today does too. Kyle Potter is the Executive Editor at Thrifty Travel
Ask HTM - Running the Financial Gamut From Squirreling Away an Emergency Fund to Real Estate Investing #1132
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 - Torn: We’re behind when it comes to investing but it seems si
Friday Flight - Allbirds AI Audacity, 529 Flexibility, & Horrific HELOCs #1131
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: $23 apples Allbirds
Real Estate's Ticking Time Bomb w/ Bigger Pockets' Dave Meyer #1130
The housing market is currently at a massive crossroads, and frankly, the old rules don't seem to apply anymore. We’re seeing a landscape of shifting interest rates, a potential reset in supply, and a level of volatility we haven't seen in decades. That’s exactly why we're going to hear from Dave Meyer - the Chief Investment Officer at BiggerPockets and a grounding voice in real estate
Ask HTM - Set for Life w/ Trump Accounts, Cash vs a Car Loan, & Vetting a Financial Advisor #1129
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 - Financial advisors: What’s a good price for a financial advis
Friday Flight - Frustrating Fees, Degree Doubts, & Upper-Middle Class Ascendancy #1128
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: Stocks at all-time h
Can Millennials Count on Social Security? w/ Mike Piper #1127
Let's talk about Social Security. More than music, clothing, or even political views, Social Security might be the single biggest generational fault line in America right now. Boomers are thrilled to finally be collecting on a promise decades in the making while Millennials and Gen Z are quietly wondering if there'll be anything left by the time we get there. And honestly? That concern isn't crazy
Ask HTM - Free Fidelity Funds, Credit Card Maxxing, & Debating a PTO Cash-Out #1126
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 - Free Fidelity Funds: Are they the “cheap” option or a g
Ask HTM - Inflating the 25x Rule, Online Car Refinancing, & Affordable ADUs (Bestie Ep) #1125
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 - How should I account for inflation when using the 25x rule to forec
The Blueprint to Financial Wholeness w/ Tiffany Aliche #1124
“The Budgetnista” needs no introduction, but here’s a quick one anyways: Tiffany Aliche has helped millions of people change the trajectory of their finances through her books, courses, and podcasts. What I especially love about Tiffany is that she’s a teacher at heart which is something shaped by a decade in the classroom and a master’s degree in education. Her passi
Ask HTM - 4 Hours to Dispute $3.16, All-In on the S&P 500, and Hitting Coast FIRE #1123
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 - Coast FIRE: How are we doing based on how much we’ve got in o
Friday Flight - Stellar Staycations, Devilish Destination Fees, & Pay Cut Gut Punch #1122
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: Best affordable eyeg
Capitalism for ALL: Making the System Work for Everyone w/ John Hope Bryant #1121
You might expect someone who experienced homelessness as a kid to grow up angry at the financial system. Instead, John Hope Bryant set out to understand it and help more people succeed within it. Our guest today believes financial literacy isn’t just helpful but foundational to economic opportunity and even human dignity. John is the founder, chairman, and CEO of Operation HOPE, one of the n
Ask HTM - Marriage Goals Over Investing, SS Survivor Benefits at Age 30, & Best Cars for New Mamas #1120
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 - Marriage goals: Now that we have more cash coming in, should we inv
Friday Flight - Long Airport Lines, Rent In Installments, & Plasma Payday! #1119
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: Tooth fairy inflatio
Why Money Decisions Feel Rigged w/ John Campbell #1118
This show exists to help you make smart decisions with your money. But if we’re being honest, How To Money might not be as necessary if the financial system weren’t so confusing in the first place. For a lot of people, navigating modern money realities feels like swimming in shark-infested waters with high stakes, unclear rules, and the potential for costly mistakes at every turn. Our
Ask HTM - Mag-7-Nondiversification-Risk, Cutting Up 13 Credit Cards, & Best Tax Refund Opportunities #1117
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 - International investing: Should I look outside of the US if I&rsquo
BONUS: Stop Doing So Much w/ Justin Peters of FI Minded Podcast
Thanks to Justin for having Joel on his show, FI Minded! --- The FI community is incredibly good at effort, optimization, and doing hard things for a long time. But somewhere along the way, many of us forget how to stop. Even after gaining more control over our time, we fill it back up with projects, commitments, and expectations, leaving us busy, tired, and quietly stretched thin.Joel Larsgaard s
Friday Flight - Warflation, Attractive ARMs, & Drone Home Assessments #1116
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: Listener side hustle
Knowing Your Rights & Crushing Medical Bills w/ Jared Walker #1115
Every year, patients are billed and stuck with $14 billion in medical debt that should be wiped out under existing hospital financial assistance rules. This debt isn’t inevitable, it’s unnecessary! Given the fact that medical debt is the number one cause of bankruptcy and a huge source of stress for families, is it a step too far to say that there is a medical debt crisis in America? W
Ask HTM – Deploying Cash to Recast or Invest, Free $ in Trump Accounts, & David Ramsey Falling Short #1114
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 - Mortgage recast: Should we take a windfall and recast our mortgage
Friday Flight - AI Money Impacts, Side Hustle Salad Days, & Sullen Savers #1113
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: Rivian repair Robinh
Are Teachers Doomed to a Broke Retirement? w/ Shaun Morgan #1112
Joel married into a family of teachers. His father-in-law has spent nearly 40 years in the classroom, his mother-in-law has taught for 30, and his brother-in-law is an outstanding Spanish teacher. While it’s clear that every one of them truly loves their work, we also know that passion alone doesn’t pay the bills. Teaching requires some real sacrifice, especially in today’s econo
Ask HTM - Debating a Raise vs WFH Flexibility, Investing in Nvidia, & Digital Hygiene Frugal or Cheap #1111
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 - Raise vs lifestyle: Should I take a 50% pay increase or maintain th
Friday Flight - Jump at the Pump, Lessening Leverage, & Tapping Too Soon #1110
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: Jump at the pump We
Bouncing Back from Bankruptcy & Business Failure w/ Phil Sanders #1109
Joel met Phil halfway through a marathon a few months ago – literally in the middle of the race. It’s funny how life works and after running side by side and chatting for half an hour it was clear he’d only scratched the surface of his story. Phil Sanders is a serial entrepreneur and like most entrepreneurs, not every venture has been a home run. He’s experienced the h
Ask HTM - Housing Rule of Thumb, Axing a Boat Payments, & Making Bank on the World Cup #1108
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 - Housing costs: What’s a good rule of thumb to stick with to h
Friday Flight - Tariff Turmoil, Winning So Much, & Border-Hopping for Bargains #1107
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: Tariff turmoil New r
Die with Zero w/ Bill Perkins #1106
Most money advice is a broken record: save more, invest early, and wait for freedom. But what if the real risk isn't running out of money but instead is running out of time? In this episode, we’re challenging the "accumulation at all costs" mindset with Bill Perkins, author of the cult classic Die With Zero. It turns out that a healthy money relationship isn’t just about building wealt
Ask HTM - High Net Worth but still Paycheck to Paycheck, Better Investing for Freelancers, & the Necessity of Amazon Prime #1105
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 - Student loans: what can I do to avoid being in student loans for th
Friday Flight - 401k Mullets, Crappy Coffee, & Bitcoin Bashing #1104
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: 401k mullets and qua
Why Being “Good With Money” Still Feels So Hard w/ Shannah Game #1103
How often do you stop to consider that your hormones might be the ones clicking "Add to Cart"? We like to pretend money is just logic and spreadsheets, but let’s be real: it’s emotional, it’s messy, and it’s never just about the numbers. If you’re tired of carrying the weight of old financial mistakes or wondering why you’re stuck in the same self-sabotaging loo
Ask HTM - Student Loans in Administrative Forbearance, Intentionally Entering into Collections, and Financial Infidelity #1102
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 - Collections: Is waiting for my unexpected medical bill to head to c
Friday Flight - Stealthy Skimpflation, Janky Job Markets, & Day-Trading Doris #1101
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: Hidden skimp-flation
Talk About Money Without Fighting w/ Dr. Sonya Lutter #1100
Money fights are one of the most common, and most damaging, sources of tension in a relationship. Whether it’s spending, debt, or mismatched financial goals, those arguments can quietly erode trust and connection over time. But here’s the good news: money doesn’t have to be the thing that drives couples apart. When partners develop healthy financial habits and learn how to commun
Ask HTM – ADU vs iBonds, Timing a Silver Sale, and HELOC Unlocking Landlord Status #1099
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 - iBonds: What is the actual rate that I’m earning and should I
Friday Flight - ‘The Lipstick Effect’, Cheap Chinese EVs, & DIY Solar #1098
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: Mr. Beast meme coin
The Case for Frugal Hedonism w/ Annie Raser-Rowland #1097
Jumbo shrimp. Open secret. Bittersweet. We call these oxymorons - ideas that shouldn't work together, yet somehow do. Most people put 'frugality' and 'hedonism' in that same category, assuming you can't have a blast while saving a buck. But our guest today, Annie Raser-Rowland, is here to shatter that myth. An Australian horticulturalist and author, Annie argues that true pleasure isn't bought, in
Ask HTM – Money Gears Mixup, Stewarding an Inheritance, & Turning to Gold! #1096
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 - Money Gears: I’m confused… why do you recommend gettin
Friday Flight - Richer Refunds, Best Costco Buys, & $3 Dinners (don’t have to be this sad!) #1095
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: $119 for an entire y
Student Loan Chaos Explained w/ Stanley Tate #1094
The whiplash student loan borrowers have experienced over the past few years has been staggering. Payments paused, forgiveness promised, forgiveness blocked, repayment systems rewritten, and now wage garnishment is back on the table for some folks. It’s no wonder navigating student loans has become a specialized skill. Few people know that landscape better than attorney Stanley Tate. He&rsqu
Ask HTM – Assets to Boost My Credit Score, Lifestyle Geographic Arbitrage, and Car Loans to get Wealthier #1093
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 - Credit score: what assets should I focus on in order to boost my cr
Friday Flight - Points for Paying your Mortgage, Credit Card Consultants, & AI UBI (to each according to his need!) #1092
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: Dry January is still
The Art of Spending w/ Morgan Housel #1091
Spending money is EASY… it’s the saving and investing that’s hard, right!? Not necessarily. Our guest today isn’t going to judge your spending habits, but he does want to help you learn what’s worth wanting. Morgan Housel wrote what many consider to be the most compelling money book in recent memory, The Psychology of Money. His new book is called The Art of Spending
Ask HTM - Combatting Healthcare Premium Hikes, Purchasing Long Term Disability, and WTD with Nine-Figure Wealth #1090
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 - Nine-figure wealth: what do we do after our company sells for $300
Friday Flight - Credit Card Caps, Free Rent, & Pokemon Investing #1089
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: Longevity calculator
Own Your Time: Build a Life You Control w/ Andy Hill #1088
We all get the same 24 hours – but it sure doesn’t always feel that way, does it? Why is it that some people seem to have time for hobbies, meaningful conversations, even a slow cup of coffee, while others are just trying to survive the day on repeat? Today, we’re breaking down what it really takes to build a life that feels enjoyable, sustainable, and manageable… not rush
Ask HTM - Gym Edition Frugal or Cheap, Blaming the Baby for Lifestyle Upgrades, and Dipping into Savings for a Camper #1087
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 - Camper purchase: should I use my HELOC to replenish my emergency fu
Friday Flight - Return Rabbits, Double Majoring, and Nihilistic Renters #1086
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: World Cup ticket pri
Spending Life Wisely: Vicki Robin on Money, Meaning, and Time #1085
“The quality of your life pretty much exists outside of the realm of money.” That’s a quote from today’s guest and we’re going to spend a good amount of time talking about everything BUT money! Personal finance and handling your money effectively is important of course, but don’t confuse the means to the end, with the end itself. Money is simply a tool, and like
Your Smart Money Guide for 2026 #1084
New year, new outlook, and a fresh strategy for your wallet. Welcome to 2026! In this episode, we’re setting the table for the year ahead. After the unique challenges and "did that really just happen?" moments of 2025, it’s time to stop reacting and start orchestrating your own financial future. We’re stripping away the jargon to talk about what actually matters: building
The High Cost of Crappy Credit (Bestie Ep) #1083
Think back to the last time you lost power at your place. I’m sure it was an inconvenience- it was likely annoying to find yourself walking into a room and reflexively reaching for the light switch, even though the power was out. But the real problem with an outage are the downstream effects it has: food in the fridge spoils, traffic is a nightmare if the stoplights are out, folks even die d
Time > Money w/ Ben Miller (Bestie Ep) #1082
Time is easily our most precious resource, but rarely do we pay much attention to what it is that we’re going to spend our minutes and hours, which inevitably turn into weeks and years. And if you completely fail to do this, you end up as the proverbial careerist, looking back at the wasted decades, wishing you would’ve done something differently. And our guest today, Ben Miller, actua
Ask HTM - Work Provided Life Insurance, Compounding Returns with a 401k True-Up, & Selling a Home to an iBuyer (Bestie Ep) #1081
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 - Home sale: should I sell my house to an iBuyer? 2 - Life insurance:
Holiday Special: 2025 Lessons, Risky Bets, and an Alaska Surprise (BONUS EP)
A big thanks to our friend Joe Saul-Sehy for inviting us to join an episode of Stacking Benjamins – we had a blast, and we think you'll enjoy this convo as well! – It's the most wonderful time of the year in the basement, and we're kicking off the holiday season with our biggest, most packed episode yet. Joe Saul-Sehy, OG, and Neighbor Doug welcome Joel Larsgaard a
Who Wants to *Literally* Be a Millionaire? (Bestie Ep) #1080
Sherlock Holmes is a literary character we’re all familiar with who has the uncanny ability to solve any mystery he comes across. And one of the things that sets the British detective apart from others is his use of inductive reasoning to solve his cases. He begins with observations which then propel him in his search for the truth. Deductive reasoning, on the other hand, begins with a hypot
Families Fly Free w/ Lyn Mettler (Bestie Ep) #1079
Traveling for free sounds like a lofty goal for most folks. Sure if you’re single or if you’re a DINK couple- but there’s no way you can pull that off with an entire family in tow! Well, it’s actually easier than you think and our guest, Lyn Mettler, is here to explain how. Lyn is a long-time travel journalist who has been featured on the Today Show and US News & World
Ask HTM - Caring for Parents, Dreaming of Partial Retirement, and Paying Extra on the Mortgage #1078
Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!
Friday Flight - Deceptive Dollar Stores, Frustrated Flippers, & Betting Your Credit Card Balance #1077
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: Deceptive dollar sto
Becoming a Rational Investor w/ Ben Felix #1076
Tall fellas UNITE! Joel has to contend with talking with someone who is taller than him for a change, but that’s mostly besides the point (unless tall guys actually invest differently than the rest of the population!?). We’re joined by Ben Felix – one of the clearest voices in finance and investing who is co-host of the Rational Reminder podcast and also runs a killer YouTub
Ask HTM – Double Dipping Expense Ratios, Wealth Building with High Deductibles, and when 50 Year Mortgages Make Sense #1075
Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!
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