How to Money
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How to Money
Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased...
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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?! Wel...
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 fo...
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 headl...
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,...
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 fo...
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 headl...
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...
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 fo...
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 headl...
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...
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 fo...
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 headl...
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 chea...
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 fo...
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 headl...
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...
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 fo...
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 headl...
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 l...
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 fo...
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 fo...
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 f...
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 fo...
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 headl...
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 understa...
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 fo...
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 headl...
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...
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 fo...
BONUS: Stop Doing So Much w/ Justin Peters of FI Minded Podcast
Thanks to Justin for having Joel on his show, FI Minded!
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The FI community is incredibly good at effort, optimization, and doing...
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 headl...
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...
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 fo...
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 headl...
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 bro...
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 fo...
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 headl...
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 s...
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 fo...
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 headl...