575 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
    • 4.6 • 2.8K Ratings

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.

    Ask HTM - Buying a Home FSBO to Save, Getting Ahead on a Small Salary, & the Best Vegan/Eco-Friendly Banks #574

    Ask HTM - Buying a Home FSBO to Save, Getting Ahead on a Small Salary, & the Best Vegan/Eco-Friendly Banks #574

    We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

     

    1 - Should I put an engagement ring on credit, even if there is going to be a credit card transaction fee?

    2 - Is buying a home FSBO a good idea to save money?

    3 - How can I get ahead and feel financially comfortable on a small salary?

    4 - We’re getting married soon: where should we put our wedding money, what about I bonds, should we combine investment accounts, and is it time for life insurance?

    5 - Are eco-friendly and vegan banks worth it?

     

    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.
    Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    Maximize your rewards by getting the best credit card for how you spend.
    Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

     

    During this episode we enjoyed a Pistol Pete’s 1888 Blonde Ale by Bosque Brewing- a big thanks to Bob in New Mexico for donating this one to the show! 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.

    • 56 min
    Friday Flight - Prime Day Reprise, Subversive Subscriptions, & Moving for Money #573

    Friday Flight - Prime Day Reprise, Subversive Subscriptions, & Moving for Money #573

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it 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 cover some relevant and helpful stories like: a Prime Day reprise, what it takes to be a super saver, all the best banks are…, underestimating subversive subscription, marry now pay later, cash buckets on the wedding registry, moving for money, online passport renewals, a crazy affordable EV, & saving big on your car insurance.

     

    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.
    Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    Maximize your rewards by getting the best credit card for how you spend.
    Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

     

    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.

    • 33 min
    EOY Deadlines: Reduce Your Taxes & Maximize Your Money #572

    EOY Deadlines: Reduce Your Taxes & Maximize Your Money #572

    With all that we’re trying to accomplish in our everyday lives- we find that reminders are a necessity. For instance, your car’s low gas indicator light that flares up when you’re nearing an empty tank. More power to ya if you’re driving an EV (see what I did there…), but for the rest of us still driving internal combustion vehicles, the low fuel light is a life saver. When it comes on, you know you only have so many miles left to find a gas station before you’re going to end up stranded on the side of the road. Well this episode is here to function similarly to that low fuel light, as kind of a warning because you’ve only got 3 months left in 2022. You can use them to your advantage and attain some of the financial goals you set out to achieve in January. Or you can attempt to coast into 2023 running on fumes. There are some hard and fast deadlines approaching and once that window of time closes, there’s no going back. Today we’re talking about student loans, workplace benefits, taxes, retirement savings, and more so listen up- the clock is ticking!

     

    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.
    Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    Maximize your rewards by getting the best credit card for how you spend.
    Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a Pickle Down Economics by Bosque Brewing- a big thanks to Bob in New Mexico for donating this one to the show! 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
    Jet-Setting for Little to No Money with The Points Guy Brian Kelly #571

    Jet-Setting for Little to No Money with The Points Guy Brian Kelly #571

    Brian Kelly, The Points Guy himself, is joining us today on the podcast! If you’ve ever attempted some research on airline miles or credit card reward points, then there’s a good chance you’ve read an article or two over at ThePointsGuy.com. Bryan has an entire staff of writers who are all travel experts- from offices in Austin, to NY, all the way over to London. Which of course frees Bryan up to be able to spend even more of his time participating in his favorite activity- traveling. Listen as Brian shares why he’s willing to pay annual fees on 25 credit cards, what you should do if you have existing airline points, what he thinks about cashback credit cards, how to maximize the number of points you can earn, his favorite perks and benefits of travel cards, and finally his thoughts on traveling with a new baby!

     

    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.
    Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    Maximize your rewards by getting the best credit card for how you spend.
    Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

     

    During this episode we enjoyed an Elephants on Parade by Bosque Brewing- a big thanks to Bob in New Mexico for donating this one to the show! 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.

    • 57 min
    Friday Flight - Poop Music, Speculation Nation, & Coffee-Drinking Spendthrifts #570

    Friday Flight - Poop Music, Speculation Nation, & Coffee-Drinking Spendthrifts #570

    Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it 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 cover some relevant and helpful stories like: interest rates on the rise, dumb ol gift cards, repair or replace a broken appliance, the easiest way to save time and money in the kitchen, phantom funds in your Venmo and Cash app, sweepstake savings accounts, coffee-drinking spendthrifts, speculation nation, an index fund to avoid, & last but also least- poop music.

     

    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.
    Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    Maximize your rewards by getting the best credit card for how you spend.
    Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

     

    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.

    • 29 min
    Achieving Balance In a World of Work Domination #569

    Achieving Balance In a World of Work Domination #569

    Up until the 1500s, everybody thought that the earth was the center of the universe- the sun, moon, and planets all orbited around us. But over the course of a century as more folks accepted the belief that we are a part of a heliocentric solar system, this updated view significantly changed everyone’s perception of planet Earth. No longer were we at the center of it all! Our planet Earth is still important of course, but everyone began to see that we were a part of a larger system. We were put in our proper place. And similarly we feel that work and career tends to be at the center of the American universe, negatively impacting our lives via workaholism, lack of other interests, and higher levels of stress. Not that work can’t be fulfilling! We’ve always held a high view of work- it provides a sense of meaning and structure, not to mention a necessary source of income. But when our lives revolve around work, when it’s the center, we think it throws everything out of balance. Listen as we discuss the many reasons why work dominates our lives, as well as how you can find more work-life balance!

     

    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.
    Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    Maximize your rewards by getting the best credit card for how you spend.
    Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
    Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

    During this episode we enjoyed a S'mores by Wicked Weed! 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.

    • 55 min

Customer Reviews

4.6 out of 5
2.8K Ratings

2.8K Ratings

grankin ,

Enjoy financing talk reminders

Being older and listening to Clark Howard this has been a nice format of having 2 hosts bounce things off of each other while reminding me of things like ibonds that should stay on my radar.

Lynzag01 ,

Updated Review

I’ve been listening to these two for a couple of years now and always looked forward to their thrice-weekly episodes to keep me on my financial toes. But lately I have been put off by a patriarchal-type attitude and lack of acknowledgment of how different folks navigate life and finances. The vibe is leaning more privileged and judgmental than in the past.

I’m still listening and hoping things improve.

Benihana76 ,

Great content, great voices

These guys are amazing. Not afraid to dive into nuance, but also bring plenty of themselves to the show personally too. Excellent voices as well!

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