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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.

241 Episodes
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Friday Flight episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to come out on the other side even stronger. In this episode we cover some interesting topics like the increase in bike sales, an employer selling a corporate office, and executive order stimulus bill confusion. After all of that we cover traveling again, getting refunds due to cancelled flights, and the decline of household debt during the pandemic! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
The novel coronavirus has had a domino-like effect on so many areas of our lives including our finances. Maybe you’ve lost your job and have had to file for unemployment for the first time ever. Or perhaps you technically still have a job but you have been furloughed and are realizing how little you have in savings. Most of the lessons we’re going to discuss in this episode aren’t brand new, but due to the health crisis, they’re more important than ever. It’s vital to reflect on those lessons so that we don’t forget them - not only do we need to put those lessons to work now during the pandemic, but we also need to continue to implement that knowledge in a way that continues to help us for years to come. During this episode we enjoyed a Modus Vivendi by The Wild Beer Co out of England! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/ , send us your voice memo! 1 - I’m upside down on a car that has huge maintenance costs- what should I do? 2 - Should I forego my company’s match due to their long vesting period? 3 - Does it make sense to focus on our student loans with the largest balance or the highest interest rate? 4 - Should I continue loaning money to my sister if I feel like I’m enabling her poor money decisions? 5 - How can I go about reducing my adjusted gross income in order to pay as little in taxes as possible? During this episode we both enjoyed an I Want to Dance with Somebody by Monday Night Brewing! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
Friday Flight episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to come out on the other side even stronger. In this episode we cover a lot of interesting topics like new cell phones and affordable cell phone service, investing in gold and precious metals, and increased private equity options in your 401k. After all of that we cover how small businesses are innovating but still struggling, negotiating a severance pay package, and starting the money conversation with your friends. And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
We’re all looking to spend less money, especially during these difficult coronavirus days, and one of the best ways to accomplish this is by going with generic or private label brands. Name brands have worked their way into our lives but they come at a cost. And then there’s the big question of: what products or purchases should I go generic with and when should I just stick with the name brand that I know and am more familiar with? During this episode we talk about why we’re fans of generics as well as some categories where it makes sense to make the switch and how to go about making the switch. But we’ll also make an argument for choosing name brands over generics as well- there are some purchases where we can cross over into the territory of cheap in an attempt to become more frugal. During this episode we enjoyed a Spotted Cow by New Glarus- thanks to James for donating these beers to the show! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
Ben Carlson is the Director of Institutional Asset Management at Ritholtz Wealth Management. There, he helps to create detailed investment plans and manage portfolios for institutions and individuals to help them achieve their goals. Ben is also the author of the new book “Don't Fall For It: A Short History of Financial Scams” which we’ll discuss. And on top of that, he has his own investing podcast called Animal Spirits, and he writes all about investing over at his site “A Wealth of Common Sense” - not only are we excited to talk about scams with Ben, but also how we as individuals should approach saving and investing for retirement. During this episode we enjoyed a Coconut Stout & Coffee Cream Ale by Kiitos Brewing- thanks to Andy for donating these to the show! And as we have ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
Friday Flight episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to come out on the other side even stronger. In this episode we cover a lot of interesting topics like using Netflix payments to boost your credit score, the shortage of disinfectant supplies, upcoming sales tax holidays, working from home into 2021, and the stalled stimulus bill. After all of that we cover reports of surprise covid medical expenses and banks cutting credit lines without warning. And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
There are a lot of different types of insurance out there and it can be tough to know which types of policies you should look into and which ones to avoid. It’s easy to feel overwhelmed with the amount of information related to insurance, and that can lead you to not making any decisions at all. The end result is that things remain the same- and you’re underinsured. And then you might hear an anecdotal story of when a warranty or insurance policy came in handy for someone else, so you feel that should be a product to look into, but should you? You don’t want to end up overinsuring and paying too much every month for something you don’t really need! In this episode we’ll cover the role that insurance should play in our lives and then dive into the specifics of which plans we should absolutely have, the ones we should just consider, and then the ones we should completely avoid altogether. During this episode we enjoyed a PB&J Sour by Shades Brewing- a big thanks to Andy for donating this one to the show! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/ 1 - Should I refinance my student loans into a variable or fixed rate? 2 - How does it work if I want to take a 401k distribution for some home renovations projects? 3 - Why have I seen my homeowner’s insurance rate climb and what can I do about it? 4 - What should I consider when it comes to investing in a startup via a new investing platform? 5 - In order to increase my credit score, how much of a limit increase should I request? During this episode we enjoyed a Berry Salty by Talisman Brewing Co- thanks to Andy for donating this one to the show! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
Friday Flight episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to come out on the other side even stronger. In this episode we cover a lot of interesting topics like how Aldi is expanding, back to school spending is expected to be higher than ever, where to check if you haven’t received your federal tax refund yet, and how to go about getting out of a lease. After all of that we cover how mortgage rates are at 50 year lows, no closing cost refinancing, and how the options available to us as retail consumers are decreasing. And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
It’s time to hear from our wives, Emily and Kate! We finally bring the ladies back on for an episode that we recorded while we were together at the beach. We wrestled the kids down to bed, rigged up a recording table in an echo-y beach house dining room, cracked open some beers and got to talking about personal finance. We fielded some questions from the Facebook group and addressed some topics like what it’s like to be married to a hardcore money nerd, frugal date night ideas, transitioning to a single income household, kids and money, teaching kids about money, and plenty more! During this episode we enjoyed a Road Full of Promise by Monday Night Brewing! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
We all want to reign in the spiraling costs of healthcare, so that’s why we’re talking today with Scott Heiser. Scott has more than twenty years of experience as a consultant for clients in the insurance and healthcare system. During those years he also led and developed an employee benefit practice that managed more than half a billion dollars in health benefits. Scott knows the ins and outs of what can feel like the overwhelming world of healthcare and insurance- in fact in his book: “Healthcare is Making Me Sick”, he dives into this very topic. Today, he is dedicated to sharing his knowledge to help educate and empower all of us who visit the doctor! So be sure and listen if you’re interested in spending less money while receiving better healthcare. During this episode we enjoyed a Juice Willis IPA by Wrecking Bar Brewpub, one of our local Atlanta favorites! And as we have ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
Friday Flight episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to come out on the other side even stronger. In this episode we cover a lot of interesting topics like the reopening of theme parks, the rise of touchless payments, plans for school districts this fall, and whether or not we should be tipping 50% at restaurants. After all of that we dive into the increased likelihood of losing a job this fall and where to go for health insurance if you’ve been laid off. And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
Covid has impacted lots of areas of our lives - including our summer travel plans. So now is a great time to get a little creative if you are hoping for any sort of vacation. Many of us have had our getaways cancelled, or even if not, there’s a chance you may not feel great about being cooped up in an airplane for hours on end. Even if it’s relatively safe, it still isn’t something many of us want to do these days. But if you already have planned for a week off from work it’s important to still take that time off, even if your plans end up looking a lot different than you had originally planned. Don’t abandon that vacation altogether - listen as we explore some creative options for summer travel that will be affordable as well as fun. During this episode we enjoyed a Phinizy Swamp Thing by Savannah River Brewing- thanks to Jeff for donating this one to the show! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/ 1 - Should I always follow the 1% rule as I consider buying an investment property? 2 - If I want to open a new online checking account, should I look to an online brokerage? 3 - How solid is cash value life insurance as an investment tool? 4 - As a recent college graduate, what should I do with a bunch of money I’ve saved up? 5 - I’m a circus performer and am starting a podcast- how do you edit and publish your podcast? During this episode we enjoyed a Blanc-y Kong Vol. 2 by Savannah River Brewing Co- thanks to Jeff for donating this one to the show! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
Friday Flight episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to thrive. In this episode we cover a lot of interesting topics like how students who lost summer jobs could be eligible for unemployment, what to do if you received a stimulus payment intended for a deceased family member, the coin shortage that small businesses are experiencing, and some thoughts if you’re considering lending money to a friend or family member. After all of that we dive into the new soaring costs of streaming TV services. And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
How do you achieve FIRE? Last week we discussed the pros and cons of the Financial Independence Retire Early movement, and this week we’re covering the practical steps that will allow you to achieve FIRE. There are some basic principles that we all need to follow, even when our individual  journeys towards FIRE all look different. So in this episode we’ll be encouraging you to envision what you would want your ‘post-work’ life to look like- do you picture a more lean or luxurious retirement? And then beyond that we’ll get practical with the financial moves you need to be making now- things like where to invest your retirement, how you’ll know you’ve saved enough, and then how to draw on that money without penalty. During this episode we enjoyed a Speedway Stout by AleSmith Brewing Co! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
We have a really inspiring interview today that will encourage anyone who is looking to change their life by paying down debt. Jen Smith is a personal finance expert and she has the experience to back it up. Jen and her husband paid off $78,000 of debt in less than two years making well under 6-figures. She's been featured in Kiplinger, U.S. News & World Report, Money Magazine, and she's co-host of the Frugal Friends podcast and blogs over at ModernFrugality.com. Getting out of debt and frugality go hand in hand, so we spend some time talking about why frugality is so important and what it means to be frugal. We also cover some of Jen’s favorite tactics and strategies that she used in order to become debt free. During this episode we each enjoyed a cold brewed coffee since we recorded this episode in the morning (back with craft beer on Wednesday)! And as we have ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
Friday Flight episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to thrive. In this episode we cover a lot of interesting topics like 2019 Roth IRA contributions, high credit card interest rates, and how federal unemployment benefits are coming to a close. And then we talk some about the future of cities and the impact the pandemic might have on intown vs suburb living. And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
Financial Independence Retire Early- you’ve likely heard the term on the show and this movement has gained a lot of steam over the past decade. And even though we agree with most of the tenets of FIRE, there can be side effects or negative consequences that can occur when it’s taken too far. Just like with almost anything in life, when there isn’t a proper balance, something that’s normally good can easily become something bad. That’s what we’re going to talk about today- the pros and the aspects and behaviors that it encourages that we love. But we’re also going to cover the cons of FIRE and how certain actions could actually keep us from attaining the goals we’re truly seeking. During this episode we enjoyed a Fruit and Hops on the Bottom which is a collaboration between Stillwater and Hoof Hearted Brewing! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, 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 in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
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Comments (61)

William Edwards

I've listened to almost every episode and think you guys are great. But no chatbot or automated phone system has ever been able to do anything for me but the simplest tasks, the ones I can do online anyway.

Jun 12th
Reply

Morgan Besterman

I've learned so much from this podcast! Great ideas for tuning up your finances and learning to live more mindfully. Keep it up Matt and Joel!

Feb 19th
Reply

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
Reply

lynn

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
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