How to Money

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. 2d ago

    Friday Flight - Rent Reductions, Charity Parity, & Home Equity Sharing #1146

    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: Rent reductions Escrow shortages Home equity sharing EV fees Charity parity Prediction market bans Financial crunch impulse buys Everything’s a subscription Healthcare price hikes Rx drug deals   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: 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.

    41 min

  2. 4d ago

    The Case for a ‘Good Enough’ Financial Plan w/ Jesse Cramer #1145

    Optimization is everywhere in the personal finance world. If we just invest perfectly, we’ll get where we want to go, faster… What's not to love?! Well, retirement planning might be a lot more like horseshoes and hand grenades, where getting close enough is actually good enough. And chasing perfection? That can come with some real downsides. Our guest today is a dear friend who brings clarity to the world of personal finance. Jesse Cramer began his career as a mechanical and aerospace engineer designing telescopes, and now brings that same precision (plus a genuine desire to help people) into the way he thinks about money. He writes over at The Best Interest, hosts his podcast Personal Finance For Long-Term Investors, and today we discuss: Choosing to not max Roth IRAs How to know if you’re Coast FIRE Striking the balance between optimizing your finances and enjoying life Reversion to the mean and this year’s stock market returns The crushing cost of conservative retirement planning Alternative investments Does retiring earlier mean living longer Aligning your money with your life And much more!   Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: Cashback credit cards: 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.

    57 min

  3. 6d ago

    Ask HTM – Sinking Fund or Pet Insurance, Balance Transfer Card Bonus, & Backfilling an HSA #1144

    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 - Pet insurance: As I’m expecting some big vet expenses, should I continue to pay for insurance for my dog? 2 - Roth vs 529: Should we save for our son’s college in a Roth since it gives us more flexibility? 3 - HSA: Can I backfill my health savings account to invest, after I pay for an expensive medical procedure? 4 - Cashless kid: What’s the best way for my 14 year old to pay for expenses while at a cashless summer camp? 5 - 0% balance transfer: Are there good balance transfer cards that have good cashback as well?   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: 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.   During this episode we enjoyed a Grapefruit Substance by Bissell Brothers! 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

  4. May 22

    Friday Flight - Insurgent I-Bonds, Trendy Tiny Homes, & Cutting The Big 3 #1143

    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: Insurgent I-bonds Small business swipe fees Credit card limits lowered Trendy tiny homes Smaller homes in walkable communities Recurring handyman subscription fees Millennial early retirement Cutting back on the big 3 AI financial advisors Chat privacy risks Why the AI hate?   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: 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.

    41 min

  5. May 20

    The $1M Scholarship Strategy w/ Nia Baiyeroju #1142

    Most of us think of college as an investment… one that hopefully pays off over decades. And for a lot of people, it does. But with costs skyrocketing, it’s not quite the slam dunk it used to be. So what if you could flip that equation? What if instead of paying for college, college paid you? Our guest today did exactly that. Nia Baiyeroju earned over a million dollars in scholarships and now she’s helping others do the same. She’s here to break down how it works and how you can take advantage of the estimated $100 billion in available funds. We specifically discuss: Leveraging your unique story An unlikely social media platform to find scholarships Casting a wide net and going for smaller opportunities Losing $20,000 bc of a missing headshot Sidestepping the headache of filling out applications The value of internships Hustling, burnout, and mental health Importance of stated goals and community And much more! Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: Nia: See what else Nia is up to over on her site and all the socials! Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Money Gears: Knowing what to do with your money is crucial to your personal finance journey. Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!   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.

    51 min

  6. May 18

    Ask HTM – Looking to the Stars to Save, High Price to Pay for Financial Advice, & Setting up a Roth for a Minor #1141

    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 - Kid IRAs: How do I go about setting up a Roth IRA for a minor? 2 - Advisor fees: By my math, most folks are paying closer to 20-25% for financial advice! 3 - Pension credits: Should I spend $50,000 to purchase teacher service credits in order to boost my pension? 4 - US Mobile: I’m considering switching to the new Starlink home internet… good idea? 5 - Rent vs own: Why don’t y’all ever talk about the nightmares associated with renting?!   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: 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.   During this episode we enjoyed a Whippersnapper by Two Tides 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.

    53 min

  7. May 15

    Friday Flight - Mistaken Starting Salaries, Crypto Mortgages, & Self-Inflicted Inflation #1140

    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: Waiting till 8th Secondhand tech Cities with all the jobs Mistaken starting salaries Slow state of play in the housing market Crypto-backed mortgages Commuting “literally breaking me” Biking actually is an alternative Self-inflicted inflation Energy bills on the rise More borrowing to get by   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: 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.

    45 min

  8. May 13

    Achieving Financial Independence as a Late Starter w/ Bill Yount #1139

    The vast majority of HTM listeners are Gen Z and Millennials - people who are starting early and taking the bull by the horns. But that’s not true for everyone in our audience, and it’s certainly not true for the average American. Our guest today didn’t even start thinking about financial independence until age 50. But he made up for lost time in a big way and now he’s helping thousands of other late starters do the same. Bill Yount is an emergency room physician on a mission to help people escape the rat race, live more balanced lives, and reclaim their time. His podcast, Catching Up to FI, is packed with practical wisdom for anyone who feels like they’re late to the game. Today we discuss: Bill’s personal journey from burnout and debt Geo-arbitrage and massively downsizing Debunking the myth that all doctors are rich Debt payoff or investing when you’re last to the game Transitioning to retirement and the “One More Year Syndrome” Emotional aspects of retirement A general take to living a full and engaging life And much more! Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: Bill: Listen to his podcast, Catching Up To FI with co-host (and friend of the pod) Jackie Cummings Koski! Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Money Gears: Knowing what to do with your money is crucial to your personal finance journey. Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!   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.

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out of 5
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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
    1.2K
  • 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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