How to Money
818 episodes - English - Latest episode: 9 days ago - ★★★★★ - 3K ratingsBest friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living a rich life.
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Episodes
Getting Scrappy to Save on Streaming w/ Michael Timmerman #812
April 10, 2024 08:00 - 53 minutes - 48.9 MBThere are three ways to boost your net worth: you can invest more money, but keep in mind that we’re in it for the long haul- it takes decades for compounding to really kick in. You can earn more money which is a ton of fun- who doesn’t like getting promoted or earning a fat bonus at work? But again, this can take years of grinding it out, at the very least months of hard work in order to stand out among your peers. OR, there are changes that you can literally make immediately by cutting you...
Ask HTM - Alt Investment Considerations, Making the Most of Profit Sharing, & National Debt’s Impact on Your Portfolio #811
April 08, 2024 08:00 - 54 minutes - 50.3 MBLet’s dive into 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! 1 - Should I consider alternative investments offered by the newer fintech platforms? 2 - Do medical ...
Is Passive Income a Myth? (Bestie) #810
April 05, 2024 08:00 - 42 minutes - 38.7 MBJust like how we can idolize ‘finding the right one’ when looking for a partner or spouse, the same can be true of passive income as we’re talking about our personal finances. We can be tempted into thinking that if we only find the right person then it’s smooth sailing. But as anyone who has been in a long-term relationship knows- the work has only just begun! The same is often true of the different passive income opportunities that we hear pitched in social media or hawked in YouTube video...
The Bitcoin Episode for Normies w/ Marko from WhiteBoard Finance #809
April 03, 2024 08:00 - 53 minutes - 48.9 MBWith Bitcoin near all-time highs, maybe you’re thinking “DANG, I need to buy some… BTC is going to the moon after all!” Well not necessarily- don’t think that you’re missing out on an opportunity of a lifetime to strike it rich. But we are going to discuss how investing in Bitcoin can not only boost your overall returns, but how it can also be a balanced and healthy strategy for investors. We’re joined today by Marko from White Board Finance to have a frank and practical conversation about B...
Ask HTM - Investing Deadlines, Building Generational Wealth, & Coping With Financial Regrets #808
April 01, 2024 08:00 - 56 minutes - 51.9 MBLet’s dive into 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! 1 - Should I invest in the stock market if I’m planning to maximize my real estate holdings? 2 - I’d ...
Friday Flight - Passive Income Plans, Paying Points, & Rewards Rug Pull #807
March 29, 2024 08:00 - 36 minutes - 33.5 MBTime for a Friday Flight- our little sampling of the week’s 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: Daniel Kahneman vs Sam Bankman-Fried, banana prices, seeking after passive income via vending machines and house flipping, payin...
Real Estate FIRE w/ Alan Corey #806
March 27, 2024 08:00 - 55 minutes - 50.9 MBWe love real estate! Any long-time listener of the podcast knows that we’re fans of investing in real estate. We both have a handful of rentals and a decent chunk of our financial success is due to those houses! That being said, we also approach the conversation with a degree of reservation because we don’t think it’s for everyone- it’s not nearly the source of passive income like many would lead you to believe. Not to mention we happened to dip our toes in the waters at a historically great...
Ask HTM - The Key Personal Finance Metric, Negotiating A Lower Car Loan Rate, & WTD When Your Cheese Is Moved #805
March 25, 2024 08:00 - 50 minutes - 46.7 MBLet’s dive into 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! 1 - Am I supposed to include employer contributions when determining my savings rate? 2 - Is it possi...
Friday Flight - Blue Collar Cash, Restless Realtors, & Social Media for Savings #804
March 22, 2024 08:00 - 35 minutes - 32.9 MBTime for a Friday Flight- our little sampling of the week’s 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: a reason for checked bag fees, mandatory 4-day workweeks, post-achievement life, right to disconnect, valuing a leisure ethic, u...
Tightwads vs Spendthrifts w/ Scott Rick #803
March 20, 2024 08:00 - 55 minutes - 50.8 MBWhen you read the words: tightwad and spendthrift, it’s likely that you find yourself drawn to one over the other. Maybe you’ve always been on the cheaper end of the spectrum and you see it as being a responsible adult. Or maybe you’re more like a lot of Americans and you find it impossible to pass up a good sale- even if you don’t necessarily need that item you just want to have some fun! Or perhaps you’re what our guest today calls an ‘unconflicted consumer’. Either way, the good news is t...
Ask HTM - Overpriced Organics, Health Sharing Risks, & Tax Sheltering for High Earners #802
March 18, 2024 08:00 - 54 minutes - 49.9 MBLet’s dive into 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! 1 - Is it worth spending extra money on organic products for your baby? 2 - How do I move my cash ove...
Friday Flight - Crappy Credit Unions, Contractor Scams, & Aldi Everywhere #801
March 15, 2024 08:00 - 33 minutes - 30.9 MBTime for a Friday Flight- our little sampling of the week’s 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 R2 deposits, streaming services vs. a Tesla, car privacy invasions, plummeting savings rates, crappy credit unions, cheap...
Young and Profiting w/ Hala Taha #800
March 13, 2024 08:00 - 54 minutes - 49.6 MBToday is going to be all about making money and getting paid! Hala Taha is the host of the Young and Profiting podcast, which is a top business and entrepreneurship podcast across all the apps. She is also the founder and CEO of YAP Media, a business podcast network with a full-service social media and podcast marketing agency for top podcasters, celebrities, and CEOs. Hala is an expert on networking, marketing, side-hustles, personal branding- and one of the platforms she recommends to achi...
Ask HTM - Best Cars Under $10k, WTD With Inactive Credit Cards, & Retiring on $250k #799
March 11, 2024 08:00 - 57 minutes - 53 MBLet’s dive into 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! 1 - Is it better to inherit a house eventually or buy it outright now in order to gain the tax benefit...
Friday Flight - Bitcoin Boom, Tax Refund Robbers, & Bogus Bag Fees #798
March 08, 2024 09:00 - 37 minutes - 34.4 MBTime for a Friday Flight- our little sampling of the week’s 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: two weeks left to find a Mint budget alternative, Bitcoin booming, 401k millionaires, political investing, tax refund robbers, b...
Personal Finance For Geniuses w/ Adam Nash #797
March 06, 2024 09:00 - 59 minutes - 54.2 MB… literally, we’re discussing why some of the brightest minds at Stanford University need just as much instruction for their money as the typical American. At such a competitive school, with one of the lowest acceptance rates, you’d think those students have everything figured out, but you’d be wrong! Our guest today, Adam Nash, is a personal finance enthusiast and adjunct lecturer at Stanford University. And today we cover topics like why he starts the course with behavioral finance and how...
Ask HTM - Elevated Escrows, Dangerous HELOCs, & Giving Up on Investing #796
March 04, 2024 09:00 - 47 minutes - 44 MBLet’s dive into 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! 1 - Can I pass along the higher cost of my mortgage escrow directly to my tenants by raising rent? 2 ...
Friday Flight - Degree Downsides, Credit Bureau Blunders, & Fluctuating Fast Food #795
March 01, 2024 09:00 - 33 minutes - 30.6 MBTime for a Friday Flight- our little sampling of the week’s 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: Capital One x Discover, degree downsides, credit bureau blunders, the best scam we’ve heard of, fluctuating fast food, ubiquitou...
Why Does The Stock Market Go Up? w/ Brian Feroldi #794
February 28, 2024 09:00 - 59 minutes - 54.4 MBSure, historically speaking, the stock market always goes up but will it continue to go up?! None of us are willing to make any predictions, but let’s just say that if that’s NOT the case, we’ve got much bigger problems at hand. But the fundamental question remains: why does the stock market grow? This question is answered today by Brian Feroldi, whose journey into the financial realm has led to writing over 3,000 articles on stocks and investing for the Motley Fool. He’s a YouTube star with...
Ask HTM - Stashing an Extra $1k/month, Dropping Full Coverage to Save, & Avoiding Loans for Flight School #793
February 26, 2024 09:00 - 49 minutes - 45.4 MBLet’s dive into 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! 1 - Shouldn’t more folks consider using velocity banking to pay off debts? 2 - I have an extra $1,000...
Spring Cleaning Your Finances like an Adult (Bestie) #792
February 23, 2024 09:00 - 53 minutes - 49.3 MBYour birthday comes around every year- and you never forget because it’s something that you look forward to! But we’d argue that there are certain financial tasks that we should also revisit at least once a year, but we’re less than enthusiastic about knocking them out. This neglect is compounded by the fact that our finances have gotten more complicated than ever. You likely have accounts everywhere: you might have multiple 401ks, savings accounts, credit cards- it might feel like there’s t...
Help for Higher Earners w/ Rachael Camp #791
February 21, 2024 09:00 - 56 minutes - 51.8 MBWhat does it mean to be rich? I think very few folks feel rich, even if they are doing really well for themselves. And oftentimes that’s due to the hedonic treadmill as we’re constantly moving the goalposts as to what it is that we think will make us happy. Most folks rarely feel like they simply have enough. But guess what- a lot of folks would be surprised to find themselves in the top 10% of earners in the US. And when you make a lot of money, or at least hope to, it takes a different app...
Ask HTM - Relying on a 0% Balance Transfer Card, Remedying an Out of Control Car Loan, & Sabbatical Money Moves #790
February 19, 2024 09:00 - 48 minutes - 44.5 MBLet’s dive into 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! 1 - Should I execute a Roth conversion during a sabbatical year from work? 2 - How do I remedy an out...
Friday Flight - Dupe Destinations, 401k Leakage, & Matt’s Dating Advice #789
February 16, 2024 09:00 - 32 minutes - 30.1 MBTime for a Friday Flight- our little sampling of the week’s 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: tips for raging against the machine, pervasive shrinkflation, dupe destinations, a case for timeshares, part time retirement, ea...
Supercommunicating w/ Charles Duhigg #788
February 14, 2024 09:00 - 56 minutes - 51.5 MBThink about any great relationship that you have- whether that’s with your partner, a friend, or even a boss. In each of those examples, there’s a really good chance that you’re both really good at talking and relating to one another. At the core of any healthy relationship is the ability to feel heard and understood, and that’s why communicating is so important! That’s why we’re pumped to be joined by Charles Duhigg, a Pulitzer Prize-winning journalist and bestselling author known for his ...
Ask HTM - Pressure to Pay for a Kid’s Meal, Affordable Home Security, & Whether BNPL is the Devil! #787
February 12, 2024 09:00 - 48 minutes - 44.9 MBLet’s dive into 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! 1 - Is it better to rent or sell my home when the time comes to move? 2 - Do I have to pay old credit...
Friday Flight - Unethical Costco Customers, Payday Lending on Steroids, & Are You Rich? #786
February 09, 2024 09:00 - 34 minutes - 31.8 MBTime for a Friday Flight- our little sampling of the week’s 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: personalized retirement plans on the rise, armchair stock picking, Disney/Hulu/ESPN+ password sharing crackdown, “I’m great but ...
Getting Paid in a Career You Love w/ Eliana Goldstein #785
February 07, 2024 09:00 - 54 minutes - 49.6 MBThe job market is HOT right now! Unemployment is basically at all time lows sitting at 3.7% with a surprising 353,000 jobs added last month. But that doesn’t mean everyone is happy with their jobs- a recent poll showed that about 60% of workers were planning to leave their jobs by the end of the year! And regardless if it’s because they’re not getting paid enough, or because the work isn’t a good fit, we’re excited to be joined by career coach Eliana Goldstein. She brings a deep understandin...
Ask HTM - Finding Affordable Cell Phones, Teaching Frugality over Cheapness, & Borrowing to Invest #784
February 05, 2024 09:00 - 53 minutes - 49.3 MBLet’s dive into 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! 1 - How do I know if my portfolio leans too conservative? 2 - Frugal or Cheap… what’s the best way to...
Friday Flight - A Credit Win For Renters, Fake Free Filing, & Garbage Furniture #783
February 02, 2024 09:00 - 34 minutes - 32 MBTime for a Friday Flight- our little sampling of the week’s 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 sources for discounted travel, credit win for renters, interest rates x home prices, fake free filing, garbage furniture, s...
Breaking Broke w/ George Kamel #782
January 31, 2024 09:00 - 53 minutes - 49.3 MBToday’s episode is all about getting out of debt as we talk with our new friend George Kamel! And it’s a good time to have this discussion as well since consumer debt, in particular credit card debt, has been on a tear over the past several years- we’re over the $1 trillion mark folks! And we’re lucky to be joined by George because not only has he personally climbed from a negative net worth himself, but he’s also a personal finance expert at Ramsey Solutions! George co-hosts the Ramsey Show...
Ask HTM - Career Pivoting to Day Trading, Life Insurance Alternatives, & Predicting Future Stock Market Returns #781
January 29, 2024 09:00 - 46 minutes - 42.6 MBLet’s dive into 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! 1 - As I’m mapping out my financial future, what kind of returns should I expect from the stock market...
Friday Flight - Loud Budgeting, Rampant Financial Infidelity, & Bad Bank Behavior #780
January 26, 2024 09:00 - 32 minutes - 29.5 MBTime for a Friday Flight- our little sampling of the week’s 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: 1% Robinhood match with no caps, investing at all-time highs, active vs passive investing, more income ≠ more happiness, ‘new’ c...
Why I Left the FIRE Movement w/ Gwen of Fiery Millennials #779
January 24, 2024 09:00 - 52 minutes - 48 MBMost folks have no problem spending their money. I hate to say it, but shopping is basically an American pastime! It certainly drives production as data shows that consumption is responsible for ⅔ of our economy. But not everyone indulges in retail therapy- hopefully the majority of listeners to the podcast are less likely to mindlessly spend. And there’s a certain subset of folks who actually struggle with the opposite problem: they mindlessly save. We frequently discuss Financial Independe...
Ask HTM – Best Credit Cards for Honeymooners, Paying Extra on a Mortgage, & Buying a Car from a Rental Agency #778
January 22, 2024 09:00 - 51 minutes - 47.2 MBLet’s dive into 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! 1 - How should we tackle our HELOC after getting laid off? 2 - What are the best credit cards to cons...
Friday Flight - Career Cushioning, AI at the Warehouse Club, & Overdraft Fee Elimination #777
January 19, 2024 09:00 - 31 minutes - 28.9 MBTime for a Friday Flight- our little sampling of the week’s 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: canceling Peacock & Prime, career cushioning, earning more in-person, AI in the warehouse club, no bait and switch car lots, sel...
Cruises: The Cheapest Way to Travel w/ Ilana from Life Well Cruised #776
January 17, 2024 09:00 - 56 minutes - 51.4 MBOver here at How To Money, we’ve experienced a lot of life over the years and typically the way the podcast works is that we share our firsthand account of something personal finance related. Save up 3-6 months of living expenses for an emergency fund? Of course. Investing in real estate and becoming a landlord? We’ve achieved that many times over. Pursuing entrepreneurship by scaling a podcasting sidegig into a full-fledged business? You’re listening to it! But when it comes to going on a c...
Ask HTM - Too Rich to ‘Buy Nothing’, Small Cap Value to Maximize Returns, & Spending HSA Funds on Anything #775
January 15, 2024 09:00 - 52 minutes - 48.2 MBLet’s dive into 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! 1 - What’s the point of sticking money in a Health Savings Account? 2 - Does it make sense to lease a...
Friday Flight - WFH Fairness, Roth 401k Revamp, & MrBeast’s Debt Dystopia #774
January 12, 2024 09:00 - 33 minutes - 30.9 MBTime for a Friday Flight- our little sampling of the week’s 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: BTC for the masses, blending work and life, what are you optimizing for, a slowing job market, WFH fairness, Roth 401k revamp, I...
Overcoming Your Scarcity Brain w/ Michael Easter #773
January 10, 2024 09:00 - 53 minutes - 49.3 MBOur brains are hardwired to relentlessly believe that we don’t have enough. Michael Easter, our guest today, calls it the scarcity brain which is also the name of his recent book. And even though we know it’s definition, scarcity is likely a concept that few folks listening to this podcast have much experience with. At least in our modern age, we have enough food, shelter, and clothing on hand that the vast majority of folks haven’t felt the true impacts of real scarcity. In fact most of us ...
Ask HTM - Rule of 55 and Early Retirement, 5% Down Payments, & Transitioning a Kid to Financial Adulthood #772
January 08, 2024 09:00 - 43 minutes - 39.9 MBLet’s dive into 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! 1 - Does it make sense to buy a house with 5% down to avoid paying rent? 2 - What financial tasks sho...
Friday Flight - The Wealth Effect, Christmas Returns, & BNPL IRL #771
January 05, 2024 09:00 - 27 minutes - 25.2 MBTime for a Friday Flight- our little sampling of the week’s 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: pennies and coinstar gift cards, fat 401k accounts and the wealth effect, 2024 is the year for student loans, 529 flexin, Christ...
Buy Nothing to Gain Everything w/ Liz Chai #770
January 03, 2024 09:00 - 50 minutes - 46.2 MBNo matter how much dough you're raking in, there's always the chance you'll blow it all and end up at the month's finish line with a barren bank account. Studies show that 45% of folks who are high-wage earners, so we’re talking about individuals making more than $100,000 annually, that they’re living paycheck to paycheck as well! Sure, some financial situations could be solved with a higher income, but more often than not, we are the problem. We’re our own worst enemies as we move the goalp...
Ask HTM - Ending A Car Lease, Velocity Banking Tricks, & When Index Funds Are Too Risky #769
January 01, 2024 09:00 - 46 minutes - 43.1 MBLet’s dive into 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! 1 - What is velocity banking and should it be something I consider doing? 2 - Are index funds too ris...
Weird Finance Bonus w/ Paco de Leon
December 30, 2023 09:00 - 51 minutes - 47.2 MBEnjoy a recent convo Joel had with Paco de Leon over at the Weird Finance podcast as they discuss how investing in relationships impacts your finances! Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Join a thriving community of fellow money in the HTM Facebook group. ...
Strategic Debt Use To Catapult Your Finances (Bestie) #768
December 29, 2023 09:00 - 48 minutes - 44.7 MBSome folks will swear that taking a nap is bad for you. “It’ll throw off your circadian rhythm!” or “You’re being lazy- maybe it’s time to be more productive with your time!”. And of course, like many things in life, you could take it too far. For instance taking a nap while your friends are visiting or climbing in bed for 3 hours in the middle of the day will likely lead to poor outcomes- there will be negative downstream effects. But the reality is that a well-timed nap can bring a lot of ...
The Perils of Investing in Individual Stocks (Bestie Ep) #767
December 27, 2023 09:00 - 45 minutes - 41.4 MBThink about the last novel you read that included a dangerous quest. If it’s a fantasy like the Hobbit, there might be giant spiders, goblins, and dragons- but in the end, it’s worth it because of the unfathomable treasure and riches that await them. The thing is, when we’re talking about investing in single stocks, the chance that this perilous journey ends up with a happy ending is much less likely, but folks continue along in their quest. Why? Maybe it’s because of the sophisticated tools...
Busting Some Credit Score Myths (Bestie Ep) #766
December 25, 2023 09:00 - 49 minutes - 45.3 MBYou know you can’t believe everything that you read on the web, right?! There are all sorts of myths, half truths, and straight up lies that can not only make us look foolish were we to believe them, but they can also separate us from our hard earned money and cause us financial harm. And it turns out there are a number of myths that pervade how many think about their credit scores. Some of this confusion has to do with the fact that different lenders reference different scoring models, so i...
Friday Flight - Comfy Cash, Resale Resurgence, & Abandoning The Internet #765
December 22, 2023 09:00 - 34 minutes - 31.4 MBTime for a Friday Flight- our little sampling of the week’s 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: Home Grown Comfy Chicken, leaning into divergent spending, asking for rent concessions, boarding house startup, comfy cash, aban...
Organizing Your Money for 2024 w/ Alaina Fingal #764
December 20, 2023 09:00 - 58 minutes - 53.4 MBAre you a neat freak, or do you prefer to simply wing it? Here’s a thought exercise: How would you feel if your partner said, “We’re going to The Container Store!”? If you’ve never been before, it’s pretty self-explanatory; basically, a retailer dedicated to organizing everything from Christmas decorations to tools in the garage and shoes in the closet. But last I checked, they didn’t have anything specific to organize your personal finances. That’s why we're lucky enough to be joined by the...