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How to Money

How to Money

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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.

146 Episodes
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When 99% of American companies are small businesses, it’s no exaggeration to say that these businesses are the backbone of our country. These startups have been responsible for almost all new job creation over the past 3 decades! And not only are small businesses important to our economy but they’re important to us on a personal level as well. These are the storefronts and people who make up our communities and neighborhoods- they’re a part of our identity! However as technology marches on, small businesses also need to adapt and utilize this innovation to continue to reach their customers where and how they want to be reached. We’re going to cover some of our favorite ways that small businesses are able to use technology to stand out in really cool ways and contribute to their local community.During this episode we enjoyed a Double Purple Chroma by Other Half Brewing. Since we recorded this episode live in NYC, we were excited to enjoy a local craft beer from the borough of Brooklyn. 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
This week on the podcast we’re answering your questions! 1 - Should I close a credit card that has a $40 annual fee? 2 - As a minor with my first job, where should I save and invest my money? 3 - How do I get my spouse on board using one of the budgeting apps? And with those apps are there any security concerns? 4 - I have a chunk of money that I plan to live off of in the coming years- where should I put it? 5 - Should I consider financing a car in order to keep my credit score high?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 Chance IPA by Wild Leap Brew Co which you can learn all about on Untappd! 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
Before you’re tempted to rush out and pounce on those Black Friday deals: How amazing is it that we live in a world where there are so many ‘free’ things all around us? And how unfortunate it is, that we often don’t even see these ‘free’ resources because we’re so used to purchasing and consumption- we don’t even think to make use of them. Our technology and culture steers us in the direction to spend. Chances are you’re not taking advantage of this ‘free’ stuff and you’re overspending because maybe you haven’t thought about it or there are some things you’re not even aware of yet. Putting these resources to use will make you smarter, save you money, and will overall lead to a healthier and more balanced life.During this episode we enjoyed a Sticky Hands IPA by Block 15 Brewing Company- a big thanks to Dale for donating this beer to the show! 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
Kristin Wong is passionate about helping people understand money in an accessible way. She started Lifehacker’s personal finance blog called Two Cents and she also authored the book “Get Money” last year - which is a great beginner’s guide to personal finance. She has also been featured in other major publications like Refinery29 and Glamour Magazine and you can currently find her writing in Smarter Living and the NYT. Even though Kristin is not a fan of Costco, we still had a great time talking about how we can gamify our personal finances, tips for being a digital nomad, and salary transparency in the workplace.During this episode we enjoyed a Lundi IPA by Monday Night Brewing- which you can learn all about on Untappd! 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
When Debt Makes Sense #141

When Debt Makes Sense #141

2019-11-2000:39:304

There are times in our lives as consumers, that we’re faced with a decision: even though I can’t afford it, do I buy this thing that I really want? “Ohhh, that new iPhone looks really awesome” or “It would be a ton of fun to take a trip to the mountains next month!”. We often already know that the answer to these questions should be “No, I don’t have the money” because we know it’s not worth going into debt for these types of expenses. But sometimes the answer isn’t always as cut and dried as we’d like it to be. What if, as someone looking to invest in yourself, you’re thinking about taking out some student loans? Or what if you’re considering purchasing a home and you don’t have hundreds of thousands of dollars set aside? Occasionally, we find ourselves in these situations where debt might make sense. Listen as we talk through some of those scenarios as well as what else to keep in mind when you’re considering taking on debt.During this episode we enjoyed a Czech Pilsner by yEAST Atlanta Brewers- a big thanks to our beer brewing friend John Francis for donating this beer to the show! 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
This week on the podcast we’re answering your questions! 1 - Should I make additional principal payments on my mortgage? 2 - I want to open a flexible account for my daughters- what should it be? 3 - Would you recommend a foreclosure or pre-foreclosure for us as first-time homebuyers? 4 - What do y’all think about investing in gold and other precious metals? 5 - While shopping for a house, should we take into account the potential rent from house hacking with our friend, as we consider what we can afford? And how about some specific tips for renting to a friend?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 6A, which is a New England style saison pale ale by yEAST Atlanta Brewers- a big thanks to our beer brewing friend John Francis for donating this beer to the show! 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
Is College Worth It? #139

Is College Worth It? #139

2019-11-1300:51:581

The price of college has gotten so incredibly expensive that we’re wondering if college is even worth it anymore. With the current total outstanding student loan debt totaling over $1.6 trillion, the return on your investment isn’t as obvious as it was decades ago. Now is the time to ask: Is getting a degree from a traditional academic institution the best course going forward? The answer isn’t going to be the same for everyone, but we’ll touch on the important things to consider before you decide to go back to school or as you have that conversation with your high schooler as they weigh college options.During this episode we enjoyed a Mexican Lager by St. Archer- a big thanks to our friends at St. Archer for donating the beers to the show this week! 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
Our guest on this episode is personal finance writer J.D. Roth who started his blog, Get Rich Slowly in the early days of the internet- back in 2006! It’s grown to be one of the most well-respected personal finance sites around thanks to his honesty, superb writing, and desire to serve his readers. We hear all about J.D.’s history with money, whether politics belong in personal finance, the different stages of financial freedom, as well as the intersection of depression and money. And let’s not forget- we snuck in some conversation about Taylor Swift and J.D.’s lifelong devotion to his hometown soccer team!During this episode we enjoyed a Gold by St. Archer Brewing Co- thanks to our friends at St. Archer for donating these beers to the show! 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
Most folks we know are big fans of Airbnb- they’ve either had a great experience while traveling or they’re considering it for their next trip. There’s a good chance this is also true for you, but have you ever considered hosting on Airbnb? There are countless ways that we can make extra money on the side, but we’ve found that most of them aren’t nearly as rewarding as welcoming travelers into your home! Matt’s Airbnb apartment has been up and running for a few months now so in this episode we dive into the benefits and drawbacks for him and his family. We also cover what you should consider when trying to decide if hosting is a good idea for you as well as some tips for getting your Airbnb off the ground.During this episode we enjoyed a Neighborhood Nomads by Casa Agria Specialty Ales- a big thanks to our friend Josh out in California for donating this beer to the show! 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- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
This week on the pod we’re answering your questions! 1 - How do I justify going on vacation while I still have student loans? 2 - Should I pay for an addition with a home equity loan or by draining my emergency fund? 3 - Is the rental car insurance provided by my credit card a good option? 4 - How can I drop PMI early? 5 - What should I do with my Roth IRA that is currently with a high cost brokerage?And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/askDuring this episode we enjoyed a Liquid Stardust by Surly Brewing- a big thanks to our friends at Surly for donating this beer to the show! 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
Imagine that you have a well paying job but otherwise it sucks and you wish you could leave. And now imagine that an amazing opportunity comes along for you to start your dream business- that thing you’ve always wanted to do, but the problem is that you know you won’t be able to pay yourself for a solid year. What you need is peace out money to keep you afloat! Or maybe some family or health issues have come up and you want to be able to spend time with family, or maybe you just want to take some time off and road trip it for 6 months. Either way, the answer is peace out money! We’re defining this as having enough money on hand to leave situations or jobs where you could technically stay, but you’re choosing not to because you’d rather do something else. You have that peace out money to bridge you to the next job or opportunity that you really want to pursue. Listen to the full episode to hear the additional benefits of peace out money, how it's different than reaching financial independence, and then finally the steps you can take to make sure you have your own peace out money set and ready for when you need it.And during this episode we enjoyed a 2014 Oud Bruin by yEast Atlanta Brewers which you can find and learn all about on Untappd. A big thanks to our friend John for brewing, aging, and donating this beer! If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts or wherever you get your podcasts!For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
Liz Thames, better known as Mrs. Frugalwoods, is the creator of the award-winning personal finance blog, Frugalwoods.com and she’s the author of the book, Meet The Frugalwoods: Achieving Financial Independence Through Simple Living. At age 32, she reached financial independence and left a successful career in Boston to create a more meaningful, purpose-driven life on a 66-acre homestead in the woods of Vermont with her husband and their two young daughters. Liz has been featured on The Today Show, PBS, NPR, in the New York Times and more. We’re excited to hear about the frugal steps she took in order to achieve financial independence, the side benefits of frugality, as well as what her life looks like there on the homestead.During this episode we enjoyed a Boss Tweed by Old Nation Brewing- which you can find and learn all about on Untappd! 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- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
In order to travel affordably, we have to keep our lodging costs in check! The money we spend on a comfortable place to sleep at night can be a huge expense, sometimes keeping us from traveling at all. Luckily there are some incredible ways to save more thanks to the internet and different apps created specifically to improve price transparency and to help you find the best deal online. We also have some great suggestions with some specific strategies to allow you to save big money on travel lodging.During this episode we enjoyed a Darkness by Surly Brewing- a big thanks to our friends at Surly for donating this beer to the show! 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- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
This week on the pod we’re answering your questions! 1 - Should I negotiate my salary for an entry level position? 2 - As we begin to consolidate our debt, what effect will closing some credit cards have on the type of loan we’re able to get? 3 - Should I keep my HSA with my employer or take it somewhere else? 4 - Is a salvage title a deal breaker? 5 - How to save and invest effectively on a wildly varying paycheck?And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/askDuring this episode we enjoyed a If It's The Peaches by Cherry Street Brewing- which you can find and learn all about on Untappd! 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- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
Countless Americans don’t have a plan for how much they will spend or who they will be buying for this holiday season. What results is we end up with that all too familiar spending hangover with folks paying off those “unforeseen” expenses well into the New Year. Instead, we can avoid that debt by beginning to think and save now (even starting to save now for next year!), and creating a spending plan that includes things like gift budgeting, making cuts to your list of who to include, and tracking your spending. And while you’re making these changes, it’s really important to communicate the reasons why you might be cutting back- you don’t want your friends thinking you hate them! Talking about it with those you care about is an important step and we dive into how to do that effectively.During this episode we enjoyed a Timely Surrender by Archetype Brewing- another big thanks to Brad and Corina up at Archetype for donating the beers to the show this week! 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- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
For this episode, we’re excited to hear from David Greene who is a nationally recognized authority on real estate investing. David has been on CNN, Forbes, and HGTV several times and he’s also a former police officer and current co-host of the BiggerPockets real estate podcast. He is the author of best selling books like “Buy, Rehab, Rent, Refinance, Repeat: The BRRRR Rental Property Investment Strategy Made Simple” and “Long Distance Real Estate Investing”. We not only hear his tips on what to look for when purchasing a solid investment property, but we also go back to his fortuitous beginnings in real estate and the type of mindset that is required in order to be a successful real estate investor.During this episode we enjoyed a The Explorer by Archetype Brewing- a big thanks to Brad and Corina up at Archetype for donating this beer to the show this week! 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- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
It’s vitally important to discuss financial optimism because a LOT of folks have negative money scripts floating around their heads. Their pessimism hurts their current view of their money and their future financial wellbeing. How can we combat that? Financial optimism. We need to understand the good that currently exists in our lives and cultivate a hopeful attitude towards our finances. When we’re pessimistic about the current state of our financial health, it leads to inaction and that creates a cycle that secures that pessimism for the long term. It’s time to flip the script, change how we view our finances, and start doing awesome things with our money!During this episode we enjoyed a Caramel Macchiato Stout by Old Bust Head- a big thanks to Matt’s in-laws for donating this beer to the show this week! 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- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
This week on the pod we’re answering your questions! 1 - What are some strategies to keep my healthcare affordable before Medicare kicks in? 2 - Financially speaking, should I be preparing to take care of my aging mom who is bad with her money? 3 - What kind of receipts should I be keeping up with as I manage my financial affairs? 4 - Are car subscription services, like Care by Volvo, a good way to pay for a car? 5 - Timeshares seem so cheap these days, are they a good deal?And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/askDuring this episode we enjoyed a Melange #14 by The Bruery- which you can find and learn all about on Untappd! 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- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
To Refi or Not to Refi? #127

To Refi or Not to Refi? #127

2019-10-0200:34:163

With mortgage rates near all-time lows, now is a great time to consider refinancing. Pouncing on these lower rates can lower our monthly mortgage payment, allowing us to free up some money that was being funelled towards housing. But what else should we consider? Are you a good candidate for a refinance? And then on top of that there are also costs involved in refinancing that can make it prohibitive. In this episode we discuss the factors you need to consider, some great reasons to refi, and how to make sure you are refinancing effectively.During this episode we enjoyed an Old Tuffy by New Belgium- a big thanks to Maggy for donating this beer to the show this week! 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- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
This week we’re excited to have our friend Brad Barrett join us on the podcast. Brad is co-host of the podcast ChooseFI, but before that he was a CPA who left his job thanks to his pursuit of financial independence so he obviously knows a thing or two about personal finance. However, Brad’s favorite topic is leveraging credit card rewards to save more money, and take trips you never would have dreamed possible! Listen as we kick things off by discussing financial independence, but then we dive into credit card rewards and the best ways to score those free flights and free nights.During this episode we enjoyed a sCAMPer IPA by UpCountry Brewing Co- a big thanks to our good friend Stacey for donating this beer to the show! 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- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
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Comments (59)

Levi Andersen

My style of podcast, has been helpful teaching me insights into better money management

Sep 16th
Reply

William Edwards

I can't help but comment. I love love love this show. But this woman is incredibly annoying. Her parents are responsible for her shift. And 44 cents in the 90s in China isnt so bad for food. She talks way too fast and throws buzzwords around like flies. Imagine trying to get a word in or disagreeing with her. And newsflash if you're spending 40k a year living overseas and that's somehow cheaper than living in the states, you're doing it wrong. Nobody I know considers 40k cheap.

Sep 6th
Reply

lisa white

please make a show about how to buy a cheap used car in good condition. im talking under 5000. ty. keep it up. i love you guys❣

Aug 19th
Reply (1)

Kevin Castellano

Can you guys do an episode on Prize Linked Savings Account PLSA?

Aug 9th
Reply (1)

Ruby

Bookmarked for job security

Aug 7th
Reply

Morgan Besterman

fantastic episode!

Aug 6th
Reply (1)

James Little

I think this podcast is excellent and accessable. Ideally public education would teach these kinds of money concepts. Since it doesn't (at least not in New Mexico) I'm very happy to learn about them from two engaging people who are clearly great friends. It's an easy podcast to listen to and it teaches you quite a bit along the way.

Jun 26th
Reply

podperson

she offered nothing concrete aside from live minimally and invest in rental properties. im calling bullshit on this lady, shes leaving out key info.

Apr 30th
Reply

Jonny

Finally, an episode for the masses.

Apr 29th
Reply

Eva Ramirez

Thanks for the podcast! I appreciate that it is not as preachy as some other financial podcasts. We all make mistakes but we all came here to better ourselves.

Apr 10th
Reply

Sean Koniarz

loving the podcast. trying to get better with money and this podcast is for sure helping. I don't really care about the beer drinking but I just skip thru it if I want to end the episode a few minutes faster. and it keeps the podcast at the roots of where it started

Apr 7th
Reply

gamisou

I really like these guys but it's unbelievabably annoying when they talk about craft beer and other garbage for 15 minutes

Apr 5th
Reply

Ethan Pcolar

Light-hearted, easy listening with a solid structure. I like how they keep beer as the end caps on an episode and avoid financial jargon that may derail less savvy listeners. This podcast and the guys' attitudes throughout help paint money in an approachable and fun way. Whether it's a quick tip, advice from financial big dogs, or a grounded anecdote at the root of a financial lesson; these guys deliver great insight on the seemingly complex world of $$$. Overall: a great addition to your podcast quiver.

Mar 28th
Reply

Mo Hossain

Fantastic podcast, with lots of insights into personal finance and life hacks. Recommended for everyone!

Mar 20th
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Cassie

I just got my first credit card and I had NO IDEA that credit utilization effected my score. great podcast!

Mar 14th
Reply

Nicole Jakubiak

I love, love 😍 this podcast. Money stuff can be so intimidating, but you guys make it easy to listen, and learn, and enable the tips you talk about! Plus, I don't feel down on myself for some things that I could be doing better! Thanks for making this podcast!

Mar 10th
Reply

jason monday

go small and enjoy your home!

Mar 8th
Reply

chetan patil

if you guys could start the actual podcast a little early!!!! that's the only issue I have!!!......it tales a good 25 to 20 min for you guys to get to the point

Mar 2nd
Reply

Jarrett Ford

Did you just scramble our brains?

Feb 27th
Reply

Kyler Christian

I just completed the gauntlet of episodes in record time. I think started listening around a month ago and ran out new shows! Awesome stuff, we share many of the same philosophies on life, traffic, beer and money! I too hopped on the electric bike train early on, about 4-5 years ago now. 10 mile commute both ways but with the traffic here in Santa Cruz California I actually got to work faster than driving. Definitely a good time for reflection, fresh air, and maybe a podcast in one ear. Keep up the good work guys, you have an awesome thing here.

Feb 24th
Reply
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