How to Money

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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. HÁ 1 DIA

    Cutting Taxes & Retiring Sooner w/ Cody Garrett #1037

    Benjamin Franklin once wrote “... in this world, nothing is certain except death and taxes.” It was true over 200 years ago and it’s true today! But we’re here to argue that there’s another certainty pertaining to taxes: that we all have the ability to change our individual tax rate by our own actions! Our guest today, Cody Garrett, has thoroughly internalized that reality. He is an advice-only CFP at Measure Twice Financial who specializes in helping folks make a comprehensive financial plan. That includes the role taxes play in your ability to meet your goals. His new book, Tax Planning To and Through Early Retirement, helps folks plan intentionally around a giant expense we all face, taxes.   We discuss the number of Americans, often involuntarily retiring before age 65, how Social Security should be factored into retirement planning but not solely relied upon, how small changes in savings rates can lead to significant retirement benefits, why flexibility in financial strategies is key to adapting to changing circumstances, 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. Find a thriving community of fellow money nerds by joining the HTM Facebook group! 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!   Best friends out! See omnystudio.com/listener for privacy information.

    55min

  2. HÁ 3 DIAS

    Ask HTM - Gifting $ to Other’s Kids, Most Affordable Protein, & Snagging the 529 State Deduction #1036

    Let’s kick off 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 - Health spending and protein: what are the best ways to invest in health and get affordable protein? 2 - VA vs. conventional Loan: which mortgage option makes more sense? 3 - 529 accounts: how do I ensure that I’m getting the best investment options AND the state tax benefit? 4 - Insurance rate hikes: are rising home and auto premiums normal, or time to shop around? 5 - Gifting 529 funds: keep for education, cash out, or roll it into a Roth?   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. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   During this episode we enjoyed a Golden Ale by Northwoods Brewing! 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.

    52min

  3. HÁ 6 DIAS

    Friday Flight - Flipping For Cash, Health Insurance Hikes, & Grim Googling #1035

    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: thinner iPhones, recipe for saving the most with cellular, flipping for cash, health insurance hikes, thrifty Teslas, the future of EVs, the most expensive hobbies, grim Googling, new homes cheaper than existing, Social Security is more valuable than you thought, & underperforming funds to avoid!   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. 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.

    37min

  4. 10 DE SET.

    Financial Freedom on Less than $40k w/ Hope Ware #1034

    Want to live joyfully and abundantly on a shoestring budget? Is it even possible or is it something from a bygone era?! With headlines shouting that even high income earners making $300,000 are living paycheck, achieving financial freedom on a $40,000 salary sounds like a pipe dream. But our guest today is proof that it’s possible and that you can have a good time along the way, too. Hope Ware runs the site & YouTube channel Under the Median along with her husband Larry, to instruct and inspire others to spend less, save more, and live joyfully on a mid five-figure income. She emphasizes the importance of proactively prioritizing, tracking expenses, and setting financial goals. Hope discusses the mindset shifts necessary for effective money management, the significance of teaching kids about money and the emotional aspects of spending, the importance of balancing frugality with building wealth, e-bikes, and plenty more!   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Hope and Larry's free guide to reduce expenses! 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! 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!   Best friends out! See omnystudio.com/listener for privacy information.

    53min

  5. 8 DE SET.

    Ask HTM - Condo Cold Feet, Investing in ABLE Accounts, and the Best Interest Rate Ever #1033

    Let’s kick off 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 time to sell my condo or should I continue to rent it out? 2 - How do I financially prepare for our special needs son? 3 - Should I utilize a line of credit at 1% to pay off some credit card debt? 4 - Passive real estate investing apps: yay or nay? 5 - What tips or tricks to get my 12 year old invested in his Roth IRA?   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. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   During this episode we enjoyed a Soulstice Sour by Almanac Beer! 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.

    51min

  6. 5 DE SET.

    Friday Flight - Forgotten 401k, Peaking Pessimism, & Loyalty is for Losers #1032

    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: Walden Pond and your wallet, stocks at all-time highs, more ETFs than you can shake a stick at, forgotten 401k, peaking pessimism, creating your own American Dream, loyalty is for losers, locking down 5 years of internet, Prime purge, travel tips, the cheapest flights, and what’s up with tariffs.   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Forgot about that 401k? Be sure and check out the National Registry of Unclaimed Retirement Benefits. 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. 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.

    40min

  7. 3 DE SET.

    Built to Borrow: The Hidden Forces Behind Debt w/ John Dinsmore #1031

    A lot of folks discover personal finance podcasts like this one after hitting a few bumps in the road – most often with debt. Maybe you’ve maxed out your credit cards, or you’re juggling more Buy Now Pay Later payments than you can keep up with. That kind of financial stress is heavy, and it often comes with a side of shame. But what if your money struggles aren’t just about willpower? What if the financial services industry is stacking the deck against you? Our guest today, John Dinsmore, is a marketing professor at Wright State’s College of Business. He studies how banks and lenders use clever marketing tactics to steer us toward debt. And he’s here to reveal the traps and show us how to spot and avoid them. Listen as we discuss how cultural attitudes towards debt can normalize harmful practices, when psychological factors like loss aversion affect debt decisions, avoiding status symbols that can lead to irresponsible spending, and much more!   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Learn more about John and his marketing research here. 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. 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.

    57min

  8. 1 DE SET.

    Ask HTM - Is a 25% Savings Rate Overkill, Avoiding State Minimum Insurance Requirements, & Eliminating 401k Loans #1030

    Let’s kick off 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 not take a higher paying job because of a 401k loan I still need to pay back? 2 - My wife and I are younger investors but are looking to ramp up the savings: 401k or Roth? 3 - Is it possible to leave match money on the table by front-loading the sacrifice? 4 - Will my homeowners premiums go up if I make a claim with my insurance company? 5 - What are some ways to curb our grocery and restaurant spending?   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. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   During this episode we enjoyed a Marbits by Southern Grist! 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.

    53min
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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.

Informações

  • Canal
    iHeartPodcasts
  • Criado por
    iHeartPodcasts
  • Anos de atividade
    2018 - 2025
  • Episódios
    1,1 mil
  • Classificação
    Livre
  • Copyright
    2025 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
  • Site do podcast
    How to Money
  • Fornecedor
    iHeartMedia + Entertainment, Inc

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