160 episodes

Best friends Joel and Matt believe that 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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    • Investing

Best friends Joel and Matt believe that when you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living a rich life.

    Creating a Debt Payoff Plan #159

    Creating a Debt Payoff Plan #159

    Personal levels of indebtedness are at all time highs in our country. Consumer spending is growing, student loans are ever-present, and car loans are becoming even more of an issue as consumers take out 72 and 84 month loans. The reality and feeling of drowning in debt is compounded when folks don’t know how to get out from underneath this crushing weight. Where do you even begin?! What we need is a plan to help us get out of debt and get our feet set in the right direction this year. Now is the time to get your personal finances in order and creating a debt payoff plan is vital to achieving your financial goals.
    During this episode we enjoyed a Barrel Aged Yeti Imperial Stout- thanks to our friends there at the brewery for donating this one! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money!
    Best friends out!
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    • 44 min
    Freelance to Freedom with Vincent Pugliese #158

    Freelance to Freedom with Vincent Pugliese #158

    If you’re thinking about starting your own side hustle, then this episode is a #MustListen! Vincent Pugliese is a husband, dad, and a professional photographer who started out at making $15 an hour working for the local newspaper, to paying off $140,000 in debt in 4 years. Through his journey to become debt free, he discovered the power of being self-employed, and the impact it can have towards not only achieving financial freedom, but time freedom and life freedom as well. During this process, Vincent wrote the book Freelance to Freedom which has inspired many who want to quit their day jobs and start their own businesses in order to take control of their lives.
    During this episode we enjoyed a S’Mores Yeti by Great Divide- thanks to our friends there at the brewery for donating this one! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money!
    Best friends out!
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    • 54 min
    When Frugality Doesn't Cut It #157

    When Frugality Doesn't Cut It #157

    We can only go so far with being frugal, before we venture into the realm of cheap. Now don’t get us wrong- frugality is a great tool in your personal finance swiss army knife. We’re frugal fellas ourselves, and we love seeing what money saving steps our friends and listeners are implementing into their lives, but frugality alone doesn’t cut it. There are times when you need to make larger cuts and prioritize the other tools in your personal finance swiss army knife to help you achieve your money goals. Today we’re going to discuss the role frugality should play in our financial lives and how to use the other tools at your disposal when adding more frugal hacks to your life just won’t do the trick.
    During this episode we enjoyed a Hibernation Ale by Great Divide- thanks to our friends there at the brewery for donating this one! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money!
    Best friends out!
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    • 42 min
    Ask HTM - Savings Interest Rates are Dropping, What to do if You're Overpaid, and Investing in an ESPP #156

    Ask HTM - Savings Interest Rates are Dropping, What to do if You're Overpaid, and Investing in an ESPP #156

    This week on the podcast we’re answering your questions! 1 - I was overpaid by my employer, what should I do now? 2 - Should I convert my 401k into an IRA? What considerations should I keep in mind? 3 - I have some IRS debt. Should I prioritize my debt snowball or get after that tax debt owed to the IRS? 4 - What’s the deal with my savings account interest rate dropping? 5 - I have an ESPP that is offered at work. Should I participate, and if so, how should I go about taking advantage of my employee stock purchase plan?
    And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/
    During this episode we enjoyed a Mexican Chocolate Yeti by Great Divide - a big thanks to our friends there at the brewery! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money!
    Best friends out!
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    • 47 min
    Level Up Your Money with Gamification #155

    Level Up Your Money with Gamification #155

    For most normal people, personal finance is boring! There are many reasons why Americans have a really difficult time getting their money act together, but today we’re addressing the fact that we’d rather spend our time doing almost anything else. This is a problem as it takes intentional action for the rubber to meet the road and for our hopes and dreams to be turned into a debt slaying, wealth building reality. Gamifying our personal finances can help us to actually achieve some of those goals when it would otherwise be something we wouldn’t do at all. When we can figure out what it is about a particular game that we love, then we can bridge that gap and take some of the elements from the games we love and apply them to our personal finances. We really believe that gamification will level up your money game.
    During this episode we enjoyed a Astral Prism by Modern Times Beer- another big thanks to our friend Craig there at the brewery for donating this one! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money!
    Best friends out!
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    • 50 min
    Waking Up Early and Intentional Living with 5am Joel #154

    Waking Up Early and Intentional Living with 5am Joel #154

    It’s probably going to be hard, but waking up earlier this year can help you to get your personal finances in order! We’re excited to talk with our friend 5am Joel about how he got started waking up early and how this has impacted him personally. We both met Joel at a personal finance conference and immediately bonded over a mutual love of craft beer as well as talking about nerdy money things like investing in real estate and financial independence. He’s been waking up early for years now and we’re curious to hear how he does it so that we can begin implementing some of his tips into our daily routine as well.
    During this episode we enjoyed a Black House by Modern Times Beer- another big thanks to our friend Craig there at the brewery for donating this one! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money!
    Best friends out!
    Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

    • 58 min

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