555 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.

    Negotiation as a Winning Everyday Tactic #554

    Negotiation as a Winning Everyday Tactic #554

    A couple years ago Matt got really into tracking his time for an entire year. Virtually every minute, there was an app running in the background as he was cataloging how he was spending his hours- all in an attempt to better utilize his time. And while 99% of folks will think that’s completely insane, they’ll likely admit that there might be some serious benefits to managing their time more efficiently. Similarly, we’re here to argue that negotiating is something that can benefit you regardless of what stage of life you’re in- whether you’re a student, a stay-at-home parent, or a CEO. Unfortunately there are a few misconceptions about negotiating that we’re going to tackle. But then we’ll go through a number of different factors to keep in mind that are going to make you a more effective negotiator in your day-to-day life. Factors like market research, your tone and non-verbals, the role of emotion during an interaction, and plenty more that’ll help you to earn more and spend less.

     

    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 Cherry Grisette by Jester King! 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
    Ratcheting Up Your Risk Tolerance with Allison Schrager #553

    Ratcheting Up Your Risk Tolerance with Allison Schrager #553

    We’re getting a little nerdy on the show today with Allison Schrager who is our favorite author on the subject of risk. She’s an economist, a senior fellow at the Manhattan Institute, a columnist at Bloomberg Opinion, and co-founder of LifeCycle Finance Partners which is a risk advisory firm. Allison has had a varied career from working in finance, policy, and media with her byline often appearing in many different publications like the Economist and Wired. She’s also written a book, “An Economist Walks into a Brothel: And Other Unexpected Places to Understand Risk” that we’re diving into as well. And we’re going to discuss what risk looks like in our world today- how we should be interpreting it as individuals, as investors, and whether we should be exposing ourselves to more risk in a world that seems obsessed with the pursuit of safetyism.

     

    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 Busy as Daggie by Tripping Animals! 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
    Friday Flight - Holiday Flight Advice, Inflation Reduction Reactions, & Aldi at the Altar #552

    Friday Flight - Holiday Flight Advice, Inflation Reduction Reactions, & Aldi at the Altar #552

    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 during these trying times. In this episode we cover some relevant and helpful stories like: DIY toilet talk, 2021 sold more electric bikes than electric vehicles, EV prices are getting out of hand, tax credits to help you go electric, more funding for the IRS, $1,200 to greenify your home, Petsmart saddling employees with debt, holiday flight advice, refunds for delayed flights, everlasting Southwest travel credits, Aldi at the altar, & realizing real retirement risks.

     

    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.

    • 30 min
    Is It a Terrible Time to Buy a Home? #551

    Is It a Terrible Time to Buy a Home? #551

    They say that timing is everything. For example, Nascar and F1 drivers need perfect timing in order to make a move and pass their competition. An ill-timed attempt can result in falling further behind, or even worse, in a crash that takes you out of the race completely. Well, the housing market has been shaken up in a big way as prices have risen substantially and now higher rates are making things even more unaffordable. That being said, the market is beginning to feel like it’s stalling out and maybe even correcting- though we would be pretty shocked if the current market oddities ended up in something resembling the 2008 crash. But there’s still a lot of uncertainty when it comes to the housing market. If you were making offers last year and missing out consistently, is now the time for you to finally be able to buy? During this episode we talk about timing the housing market, what the current market conditions look like, how you should be thinking about the rent vs buy debate, as well as some practical steps that you should take if you determine that you are ready to buy a home.

     

    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 Odelette by Fair Isle 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.

    • 54 min
    Ask HTM - Buying a Used Car from a Rental Fleet, Timing a 401k Conversion, & a Duplex Purchase Snag #550

    Ask HTM - Buying a Used Car from a Rental Fleet, Timing a 401k Conversion, & a Duplex Purchase Snag #550

    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 - I’m thinking about buying a used car from a rental fleet- what considerations should I keep in mind?

    2 - What steps should we take, or not take, as we’re getting more serious with our entrepreneurial endeavors?

    3 - Is now a good time to roll my 401k over into a Roth IRA?

    4 - What factors should I consider as I’m looking for the best rate on my high yield savings account?

    5 - My lender says that I have to move into the duplex that I’m trying to purchase as an investment property- what should I do?

     

    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 Grapefruit Hefeweizen by Schofferhofer! 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
    Friday Flight - Child Labor, Equifax’s Idiocy & Utility Bill Hacks #549

    Friday Flight - Child Labor, Equifax’s Idiocy & Utility Bill Hacks #549

    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 during these trying times. In this episode we cover some relevant and helpful stories like: HTM sock giveaway winners, more Google Map biking features, credit card companies are fighting for your business, cheap millennials are worse tippers, jumping ship to earn 10% more, why we’re proponents of child labor, US Bank exploiting their customers, pernicious hotel fees, Equifax continues to blow it, & a quick utility bill hack.

     

    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.

    • 31 min

Customer Reviews

4.6 out of 5
2.8K Ratings

2.8K Ratings

pffan22 ,

Great interview

Came across the interview with Sam @ Financial Samurai - loved it. Thanks for hosting!

RaminRostampour ,

Love this show

I've been listening for a couple years (heard about them from an add on SYSK). They do a great job of being approachable and talk about everything you need to know about personal finance and motivate me to stay on track. Honestly, I feel like I could grab a beer with these guys and talk for hours. What more could you want from finance nerd friends?

ME.EagleRiver ,

Entertaining Besties Make Saving Sound Fun

Things I love about this podcast
* No Politics
* Best friend banter
* kindness shown to guests and question askers
* Love shown toward family, biking, and beer
* Joel & Matt make me want to be a “go getter.”

Thanks mostly for helping me determine that I can retire. You guys rock!
PS. Really hoping for a pair of new socks 😁

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