How to Money

iHeartPodcasts
iHeartPodcasts
  • 4.6 (3.1K)
  • Investing
  • Updated Semiweekly

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.

  1. 1d ago

    Owning Unsexy Businesses to Build Wealth w/ Alex Smereczniak #1208

    America has a long history of entrepreneurship. Some of the biggest, most recognizable companies in the world started with one person taking a risk and building something from scratch. And for good reason: owning a business can be an incredibly powerful path to building wealth. But there’s a problem. A lot of people want to be their own boss… they dream about leaving the 9-to-5, having more control over their time, and building something they actually own. But when it comes time to take the leap, the fear of the unknown can be pretty powerful. Here’s the good news: you don’t necessarily have to invent the next great thing in your garage at 2 a.m. There’s another path to business ownership that’s been around for decades: buying a franchise. Alex Smereczniak is an entrepreneur who started Franzy, a platform that connects aspiring business owners with franchise opportunities. Today we discuss the realities of owning a small business, who should consider it, how to evaluate an opportunity, whether buying a franchise is actually a good way to build wealth, and much more including: His lessons learned from early business ventures Navigating partnerships and relationships The role of passion in business Buying vs starting a business Understanding franchising and SBA loans Current marketplace opportunities Balancing lifestyle and business ownership And much more! Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to your personal finance journey. MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.   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.

  2. 3d ago

    Ask HTM - Selling an EV to Get Ahead, Juicing Your Down Payment Returns, and Hacking an HSA to the Max #1207

    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 reno: but should I goose my savings with special bank offers in the meantime? 2 - HSA overload: what are the tax DISadvantages if I set aside too much in my Health Savings Account? 3 - Baby car: does it make sense for me to sell the Tesla now that we’re expecting our second kid? 4 - Life insurance: what do I do about a previous benign cancer diagnosis now that I need life insurance? 5 - Avoiding medical debt: check out the AI clone advocating for you at the MarshallAllenProject.org!   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to your personal finance journey. MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense. 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.

  3. 6d ago

    Friday Flight - Tempting TIPS, Sticky Shrugflation, & Subprime Struggles #1206

    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: OK to take a call while on a plane?! More HSA auto-enrollment than ever Evidently Matt likes 401k loans now Tempting TIPS Sticky Shrugflation Higher inflation and higher bond yields ARMs as an option VantageScore 4.0 to get your mortgage rate down Subprime struggles Fuel efficient sales are up Overblown EV battery degradation Amateurish AI agents   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to your personal finance journey. MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense. 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.

  4. Oct 14

    Investing Will Never Be the Same w/ Robinhood’s Steph Guild #1205

    Robinhood didn’t just join the investing revolution over the past decade… they reshaped it. Robinhood pushed investing toward zero commissions, brought millions of new investors into the market, and even introduced the first IRA match. They’ve been willing to innovate in ways that have sometimes been controversial. It’s a platform with enormous sway, especially among younger investors. But what does Robinhood think the future of investing looks like? What are they getting right, what might they be getting wrong, and what does the future look like for normie investors? Steph Guild is Robinhood’s Chief Investment Officer, and she’s here to help us answer those questions today. We get into: Customer feedback and how Robinhood innovates The democratization of investing and its limits Responsible investing and education to support it Gamification and entertainment of investing Prediction markets and market probabilities Long-term investing vs short-term trading Opportunities outside of passive investing AI and its role in business and healthcare Impact of AI on jobs and the economy And much more! Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to your personal finance journey. MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.   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.

  5. Oct 12

    Ask HTM - Is Robinhood Gold Worth It, Sandwich Generation Legal Maneuvers, & Nursing to Make Bank #1204

    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! First we debate the merits of $2 decisions, then…   1 - Invest actually: how do I avoid the mistake of not actually investing within my Roth IRA? 2 - Aging parents: where’s the to-do list and how should I create a will and estate plan for my parents? 3 - Dropping stocks: as I get closer to retirement, should I more aggressively shift to cash by selling? 4 - Nursing school: good idea to use my Roth IRA to fund my nursing degree? 5 - Robinhood Gold: now that I finally got the invite is it worth the $60 annual fee?   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: THE LIST: Here’s the list to get your estate together that we discussed. YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to your personal finance journey. MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense. 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.

  6. Oct 9

    Friday Flight - Faltering Friendships, Super Intelligence for Savers, & Birthdayzillas #1203

    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: Joel evades a parking ticket? Faltering friendships Super intelligence for savers (it’s already here) 60 million enrolled in Trump Accounts Most think the stock market is unsustainable Over-optimistic Coast FIRE adherents New Robinhood features Birthdayzillas (vs celebrating like a normie) Debt payoff determination The new debt-free scream? Check cash advance apps   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to your personal finance journey. MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense. 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.

  7. Oct 7

    Scoring the Most Financial Aid for College w/ Phillip Levine #1202

    The economics of higher education are pretty messed up and colleges know it. Sure, we're sometimes our own worst enemies when it comes to spending. But the pricing system itself seems almost designed to confuse: opaque, inconsistent, and nearly impossible to decode from the outside. Which means there's real money on the table for families who take the time to learn how admissions and financial aid actually work… and which hoops are worth jumping through and which aren't. Get fluent in this system, and you could save yourself tens of thousands of dollars. Stay in the dark, and you're leaving that money on the table. We're joined by Phillip Levine, an economist and professor who's spent his career studying education finance and his new book, Hidden Tuition, pulls back the curtain on how the system really works, and what families can do to navigate it on their own terms. Today we discuss: Differences between sticker price and actual cost Enrollment trends and their impact on college prices Understanding the FAFSA and need-based aid Merit aid and how colleges use discounts Negotiating financial aid offers Tools and resources for estimating college costs The role of 529 plans and early savings Manipulating finances to maximize aid And much more! Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to your personal finance journey. MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.   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.

  8. Oct 5

    Ask HTM - Getting Political, Paying for Hot Stock Tips, & Fixing an Old Toyota #1201

    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 - Stock tips: why do so many people pay for stock tip subscriptions?! 2 - Toyota time: is it worth dropping a lot of money on our old Corolla? 3 - Income bump: how can I offset my taxes while still achieving some financial goals? 4 - Political: does iHeart prevent you guys from talking politics on the podcast more often? 5 - Medical debt: what’s the site that helps you to get out of medical debt?   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE! Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to your personal finance journey. MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense. 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.

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About

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.

Information

  • Channel
    iHeartPodcasts
  • Creator
    iHeartPodcasts
  • Years Active
    2018 - 2026
  • Episodes
    1.3K
  • Rating
    Clean
  • Copyright
    2026 iHeartMedia, Inc. © Any use of this intellectual property for text and data mining or computational analysis including as training material for artificial intelligence systems is strictly prohibited without express written consent from iHeartMedia
  • Show Website
    How to Money
  • Provider
    iHeartMedia + Entertainment, Inc

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