830 episodes

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 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.

How to Money iHeartPodcasts

    • Business

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 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.

    Friday Flight - FREE cell service, Phantom Debt, & Politicized Investing #828

    Friday Flight - FREE cell service, Phantom Debt, & Politicized Investing #828

    Time 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: public property foraging, FREE cell service, delinquent payments on the rise, more Gen Z credit card debt, phantom debt, chargeback safety net, political investing, Nancy Pelosi index, international exposure, and the Social Security time bomb.

     

    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.
    Find the best credit card for you with our new credit card tool!
    Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

     

    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. Have an awesome weekend!

     

    Best friends out!
    See omnystudio.com/listener for privacy information.

    • 32 min
    Apprenticeships: Earn AND Learn Simultaneously w/ Ryan Craig #827

    Apprenticeships: Earn AND Learn Simultaneously w/ Ryan Craig #827

    Apprenticeships aren’t just for blacksmiths! The notion that an individual could earn a living, while simultaneously learning how to do their job is such a foreign concept. That’s certainly not how we do things here in America where more folks believe that it takes money to make money! In recent decades more individuals have subscribed to the idea that you have to go to the most expensive college, take on a boatload of student loans, and saddle yourself with years of debt if you want a decent job that pays. Some of the most selective universities are quickly approaching the $100,000 mark… for a single year of college. Nothing has risen faster than the price of college over the decades. But, what if there was another way? We’re joined by education and workforce expert Ryan Craig who says that there are alternatives. His book, Apprentice Nation explores how a modern apprenticeship system will allow students and job seekers to jump-start their careers by learning while they earn, leading to greater workforce diversity and geographic mobility. Hear why other countries are beating us at the apprenticeship game, the types of industries that would greatly benefit from apprenticeships, why college and apprenticeships aren’t mutually exclusive, where you can go to find the best learn and earn programs today, and much more!

     

    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.
    Find the best credit card for you with our new credit card tool!
    Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

     

    During this episode we enjoyed an Adjustable Rate by Inner Voice! 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.

    • 52 min
    Ask HTM - Saving/Paying for a Roof, Offsetting the High Cost of Adoption, & if ESPPs are Worth the Hassle #826

    Ask HTM - Saving/Paying for a Roof, Offsetting the High Cost of Adoption, & if ESPPs are Worth the Hassle #826

    Let’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 best way of saving up and paying for a roof?

    2 - Should I participate in an Employee Stock Purchase Plan?

    3 - How can I reduce the financial burden of adoption?

    4 - Is it unethical to be a landlord and invest in real estate?

     

    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.
    Find the best credit card for you with our new credit card tool!
    Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

     

    During this episode we enjoyed a Cherry Pie Jammie by Inner Voice! 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.

    • 48 min
    Friday Flight - Guilt-Tipping, FIRE Freaks, & $40k Gyms! #825

    Friday Flight - Guilt-Tipping, FIRE Freaks, & $40k Gyms! #825

    Time 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: social media birthday money solicitations, savers making bank, where to go to borrow, $100 real estate investors, new Vanguard fees, guilt-tipping, FIRE freaks, there’s no place like loan, what medical debt?, and $40k gym memberships.

     

    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.
    Find the best credit card for you with our new credit card tool!
    Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

     

    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. Have an awesome weekend!

     

    Best friends out!
    See omnystudio.com/listener for privacy information.

    • 32 min
    Change Your Relationship to Money w/ Amanda Clayman #824

    Change Your Relationship to Money w/ Amanda Clayman #824

    The ‘DTR Talk’, but with your money! That’s what we’re covering today with therapist turned financial wellness and relationship coach, Amanda Clayman. There is an intrinsic connection between money and mental health, and Amanda’s 20 years of experience in the field allows her to dive into some of the thorniest, most personal dilemmas we face, in order to bring compassionate clarity to the conversation. She’s a counselor, accomplished speaker, and educator as she offers and facilitates workshops, seminars, and courses across the country. And Amanda’s work now extends to a twelve-part podcast: Emotional Inve$tment which is out now on Audible, by Fresh Produce Media. Listen in as we discuss Amanda’s own struggle with money, cognitive behavioral therapy’s impact on better understanding your finances, as well as a number of case studies - individuals Amanda interviewed who opened up about their relationship with money, and the lessons we can all learn.

     

    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.
    Find the best credit card for you with our new credit card tool!
    Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

     

    During this episode we enjoyed a Fort Point by Trillium! 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.

    • 1 hr
    Ask HTM - Overblown Tax Deductions, 4% Rule, and Ditching a Financial Advisor #823

    Ask HTM - Overblown Tax Deductions, 4% Rule, and Ditching a Financial Advisor #823

    Let’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 cut ties with my financial advisor and how should I go about doing that?

    2 - Does the 4% Rule still apply as my portfolio allocation shifts towards less aggressive investments?

    3 - Is the mortgage tax deduction worth claiming?

    4 - A financial goldilocks dilemma: am I investing too much, too little, or just the right amount?

     

    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.
    Find the best credit card for you with our new credit card tool!
    Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

     

    During this episode we enjoyed a Memory Farm by Inner Voice! 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.

    • 49 min

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