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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.
88 Episodes
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Every month we waste a lot of money on utility bills that could be back in our pockets if we would only be more intentional about making our homes more energy efficient. Not only could we save more money now, but there is massive potential for what that money could grow into if we invested it every month - don’t forget the rule of 173! Regardless of whether you’re renting an apartment or living in your own house, listen as we discuss lots of different ways that you can cut your water, gas, and electric bills. Recurring monthly expenses have a huge impact on your ability to save for the future!During this episode we enjoyed a Challenge Series 11 by Bear Republic Brewing which you can find on Untappd. A big thanks to our friends at Bear Republic 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, Castbox, 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
Is it possible to pay down $200,000 of debt while living in a big city, and still find enjoyment in everyday life? Yes! In this episode we’re lucky enough to sit down with Kiersten and Julien Saunders who blog at RichAndRegular.com where they document their journey to financial independence. During this episode we hear from Kiersten and Julien about the unique struggles of African Americans in the corporate world, how they stayed motivated to pay down debt, their approach to effective budgeting, and how Julien’s background as a professional chef keeps their monthly expenses down. During this episode we all shared a beer- The Last Blockbuster by 10 Barrel Brewing which you can find on Untappd. A huge thanks to our friend Scott out in Bend, Or for donating this beer to the show! And it’s incredibly appropriate that he sent this one to us as he just finished up his documentary on financial independence titled Playing With Fire, be sure to check it out as the Saunders are featured! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, 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
What is the best way to pay down debt? Americans are in tremendous amounts of debt (think over 400 billion on just credit cards alone)! Not only is this debt keeping folks from reaching their financial goals, but it’s also taking a toll on the mental health of borrowers. Knowing the best strategy to get out of this debt is a big deal and could be the difference between living paycheck to paycheck or achieving financial freedom. Listen as we cover both approaches so you can decide which is better for you: the debt snowball (popularized by Dave Ramsey) and the debt avalanche (also known as debt stacking).During this episode we enjoyed a Maple Vanilla Copra Kai by Southern Grist Brewing which you can find on Untappd. Another big thanks to Jamie and friends up there in Nashville 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, Castbox, 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’s the difference between annuities and life insurance? 2 - Ways to improve my credit score after a chapter 7 bankruptcy? 3 - Robo advisors: are they too good to be true? 4 - Should I open a college savings account for my toddler? 5 - What kind of equipment do you use to record the podcast?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 Bio-Rhythm by Southern Grist Brewing which you can find on Untappd. A big thanks to Jamie and friends up there in Nashville 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, Castbox, 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
We think it’s a great decision for almost everyone to invest in a Roth IRA. Second only to an employer matched 401k, a Roth IRA is very often the best retirement savings vehicle due to tax advantages and flexibility within that account. Listen as we cover some of the reasons we’re huge fans of the Roth IRA.During this episode we enjoyed a Superior BarleyLime by tripelroot - a big thanks to Heather for donating this delicious beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, 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 time to dispel the myth that you need to have a huge salary, or that you need to work and save for decades, in order to eventually retire. This week we’re excited to hear from Jillian Johnsrud as she shares with us how she became financially independent at the age of 32, despite her and her husband never making more than 60k a year. We cover how they paid cash for their first house, how they continue to save and invest with 5 kids at home, as well as the importance of their "quit list" as they seek to live an intentional and adventure filled life.During this episode we enjoyed an Official IPA by Bell’s Brewery- a big thanks to our friends at Bell’s 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, Castbox, 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 most people car and home insurance policies are expected, necessary costs of owning those things. Because we automatically set up these policies, we tend to forget to continually shop them around- which may mean we’re significantly overpaying! Loyalty with a particular insurer doesn’t save you money over the years so continually shopping your provider is one of the best ways to get your rates down. Listen as we cover several other ways to save big on car and home insurance, plus we answer the question: When should I even use my insurance?!During this episode we both enjoyed a Uroboros Stout by Anthem Brewing which you can find on Untappd. A big thanks to Sy in Oklahoma City 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, Castbox, 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 - Where should I keep money that I’m saving for a down payment for real estate? 2 - Should I be investing in my retirement while I still have student loan debt? 3 - When should I consider selling my clunker and buying a ‘new’ car? 4 - Is wrapping your car in ads a legit way to make money? 5 - What are some ways to save money while on the road touring with my band? And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/AskDuring this episode we both enjoyed a Forgotten Lake Blueberry Ale by Lake of the Woods Brewing which you can find on Untappd. A big thanks to David in Keswick, Ontario 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, Castbox, 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
There are a host of reasons why renting a place instead of buying might be a great idea for you (we even dedicated an entire episode to the topic!). But when it comes to renting and entering into a lease agreement with a landlord, you want to make sure that you’re prepared and taking the proper steps to protect yourself. Listen as we cover everything from Wall Street landlords to negotiating leases to the low cost of renters insurance.During this episode we both enjoyed a Russell Kelly Pale Ale by Telluride Brewing which you can find on Untappd. A big thanks to Tiffany in Colorado 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, Castbox, 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
What kind of life do you really want to lead? Does consumption and stuff dictate your life more than you’d like? It is so important to examine your own life to discover the small changes you can make right now to give you more freedom to do the things that truly matter most to you. For this interview, we sat down with Chris and Cristi from Life Opted Out to talk about how and why they chose to leave a life they loved in NYC for a much simpler, more affordable life traveling the country in their van. They share that so many of the lessons they’ve learned are not specific to life on the road, and can be applied to anyone looking for more purpose and fulfillment.During this episode we both enjoyed a Nothing Left to Give by Orpheus Brewing which you can find on Untappd. A big thanks to Jimmy 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, Castbox, 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 (36)

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
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Jonny

Finally, an episode for the masses.

Apr 29th
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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
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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
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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
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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
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Mohammed 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
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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
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jason monday

go small and enjoy your home!

Mar 8th
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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
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Jarrett Ford

Did you just scramble our brains?

Feb 27th
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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
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Tom Bunyan

I've been listening to this podcast in the UK while cleaning windows. Very easy to listen to and enjoying the podcast. Gives me food for thought. I'm not really into beer, but after listening to these two for a month or so now, I'm on the lookout for some craft beers! Thanks guys. Keep up the good side hustle

Feb 20th
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Jennifer Chou

this may be my favourite podcast episode! It's super applicable to me as a student

Feb 20th
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Ukwen Akpoji

By the way, drinking a warm/hot beverage increases your internal body temperature, which helps you wake up in the morning! Great tips from the podcast! Thanks!

Feb 16th
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Rebecca Abtosway

yes...let me ride my bike when i work out of town in okotoks, live in calgary. all in alberta which is winter 8 months out of the year. currently been -25 or -30 celcius for 2 weeks now....let me bike. yup.

Feb 11th
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joshua reininger

your audio might have something up with it at the very beginning.

Feb 11th
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Justin Danaher

new listener. love the podcast, but I'm very disappointed to see that you're advertising the zodiac serial killer podcast. Shouldn't be feeding into the fame and notoriety, it's what psychos like the killer want.

Feb 6th
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Joe Fager

Justin Danaher That's one to look at it, and valid. However, another way to look at it is that exposure may lead to a suspect, which is the point of many true crime podcasts. It only takes ones person listening, who has a lightbulb go off, to say hey that sounds like Uncle Bob, and we have a killer. Who knows it's possible.

May 13th
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DeLayne Ballard Cranford

I love the podcast. I think the content is informative without being too heavy. It is well presented and makes me want to come back for more. Thank you!

Feb 1st
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