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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.

285 Episodes
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You only have two options when it comes to saving more money- you can either earn more or you can spend less. But which of these is more important? Depending on your personality, you might find it easier to focus on making more money without too much concern for being frugal. And other listeners are all about more tips to live frugally, but they rarely give much thought to how they can increase their earnings in the coming years. Which side of the fence are you on? In this episode we discuss the importance of both of these areas in our financial lives. We also cover the downsides that must be highlighted when you’re looking to earn more and when you’re spending less. During this episode we enjoyed a Bad Bunny Pie by Tripping Animals! 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
Starting a business is exciting- it doesn’t have to cost a lot of money, it can be incredibly fulfilling, and you could make some good money while you’re at it! BUT, you want to make sure that you’re going about things in the correct way. You want to make sure that you’re going about things legally! Our guest today is Kae Gruner who is an entrepreneur and intellectual property lawyer, so she’s the perfect guest for this topic. She’s the founder of Start Up Heart Up which exists to bring entrepreneurship to everyone through DIY tools, education, and empowerment. With this episode we’re making sure that your side hustle gets through those awkward, middle school years and that you’re able to transform it into a legit money making business. During this episode we enjoyed a Major Decisions by Mikkeller 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
It's time for a Friday Flight! These 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 and helpful stories like overpaying for gas at the pump, free covid tests, open enrollment and affordable health coverage and health insurance alternatives, Tesla in the S&P 500, popular sides at Thanksgiving, grocery store restrictions, virtual real estate closings, instant paycheck access, and new business applications are through the roof. 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
This show exists to make sure that you know the best ways to earn, save, and invest your money so that ultimately you’re in a great financial position down the road. And a part of that journey towards financial independence includes making sure that you have the right attitudes towards money and that you’re not only looking to your own desires, but that you’re looking to the needs of others as well. This is why giving away money is such an important practice to begin implementing ASAP. It’s not a principle or stage of enlightenment that you might reach someday. Rather it’s like working out- the earlier in life you get started, the better off you’re going to be in the long run. Listen to the different reasons we should be giving away our money, how to vet charities, and how to actually go about implementing giving into our personal finance. During this episode we enjoyed a Party Cup by North Park Beer Co - thanks to Craig 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/ , send us your voice memo! 1 - I’m thinking about hiring a personal car shopper- is this a good idea? 2 - Do you have any budgeting and side hustle ideas for someone overseas on a work visa? 3 - What does the cost basis method mean for my investments? 4 - I’d like to become a financial coach- what accreditation should I consider? 5 - Should I tap a 401k and take advantage of the provision in the CARES Act? During this episode we both enjoyed an Apparitional Disintegration by Burial! 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 for a Friday Flight! These 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 and helpful stories like fake high interest banks, election and vaccine impacts on the stock market, BOGO flight deals, disinfecting your credit cards and going contactless with mobile wallets, sneaking treats into a movie theatre, employer assisted savings programs, and cutting a car from your life! 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
Even though there are likely going to be fewer individuals actually going shopping in person the Friday after Thanksgiving this year, Black Friday is still a majorly important time for deals. These days Black Friday has transcended time and place- it includes multiple days and even an entire season of scoring really low prices on gifts. This can provide some relief to our bank accounts as we search for gifts for friends and family for less than we can normally get these things the rest of the year. But on the flip side of the coin, this time of year can really strain our personal finances. There’s the temptation to overspend and consume more than we need to and because of this, many American’s end up with boatloads of debt come January. There are a number of different problems that arise during this consumption-driven time of year. In this episode we highlight some of these ‘Black Friday Foibles’, why they’re a big deal, and then we discuss what to do about them. During this episode we enjoyed a Caliente Aqui by Tripping Animals! 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
For this episode we are joined by Ken Rusk to talk about the skilled trades. Ken specializes in mentoring and has coached hundreds of young people in goal setting, life visualization, career paths, and sound financial planning. He is passionate about helping folks achieve their dreams regardless of their educational background. And now with his recently published book- “Blue Collar Cash”, Ken explains that blue-collar trades are a source of pride and how you can find your version of happiness by pursuing a good old-fashioned craft. Our economy is in desperate need of skilled tradespeople so listen as we talk with Ken about this massive opportunity. During this episode we enjoyed a Rhymes with Purple by Bhramari 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
It's time for a Friday Flight! These 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 and helpful stories like falling rents and how to pay less for your apartment, investing within an HSA, debt collection agencies using social media, new stimulus check scams, WFH leading to overwork, giving babies credit cards, the best 529 plans for 2020, and the generation who owes the most in student loans. 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 make the occasional money mistake. Some missteps are small and the impact they have is a tiny blip on our radar. Other money mistakes can be like an albatross weighing us down for years to come. But whether our mistake is more of a bump in the road or if we’ve made a mistake that will impact us for a long time, it’s important to learn how to overcome these mistakes so we can move on and start kicking butt with our money again. In this episode we cover some common mistakes we make, why we make them, and then how we can pivot to handling money well in those circumstances. And then aside from specific mistakes, broadly speaking there are some important steps to take that will allow us to move forward more quickly when we’ve made an error with our money. This is a great episode for anyone who has ever had some money regrets! During this episode we enjoyed a Hydrus Double IPA by Two Tides 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’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 - What smart devices and software should I consider in order to save more money on my utilities? 2 - As a single female, how can I mitigate any risk if I’d like to Airbnb an extra bedroom? 3 - Should I pull some money out of my 401k in order to invest in real estate? 4 - How did becoming an authorized user on my mom’s credit card hurt my credit score? 5 - Where is the best place for my 7 year old’s savings? During this episode we both enjoyed a Where's My Cellphone by Two Tides 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
It's time for a Friday Flight! These 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 and helpful stories like the uptick of biking in cities not known for biking, protecting your bike, traffic fatalities and how we perceive risk, streaming content shake-ups, avoiding the trap of becoming a payment buyer, misleading GDP numbers, increasing credit scores and free credit reports every week, 2021 IRS retirement contribution guidelines, and small dollar loans or emergency funds. 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
Should you work for the man or work for yourself!? There’s a lot to consider when asking yourself that question and there’s certainly not a one size fits all answer. At the same time, it seems that entrepreneurship has been put on a bit of a pedestal in our society causing it to be inaccurately represented. And this question is even more relevant given the high levels of unemployment plaguing our country right now. A lot of folks have been laid off or furloughed while other sectors are doing really well- there are a lot of factors to consider. There are meaningful tradeoffs depending on the choice you make, so during this episode we’ll cover some of the important things you should consider as you think about your future career. We’re here to help you to decide whether or not you should be starting your own business or whether you’re better off in a traditional nine to five! During this episode we enjoyed a Realities by Dssolver! 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
Chances are that you bought something recently, or maybe you paid a friend- but you likely didn’t do that with physical cash, you probably did it via a digital payment online or with an app like Venmo or the Cash app. Everything is going digital these days and this presents a whole host of issues: we know how to keep people from stealing money out of our wallets and purses, but what about the money we have in our accounts online? Our guest today is Carole Theriault and she knows a thing or two about internet security. Carole founded the Sophos Naked Security site years ago and now co-hosts the podcast “Smashing Security”. She lives and breathes cybersecurity and we are so glad she’s with us today to talk about protecting our identity and ultimately, our money! During this episode we enjoyed a Duh! Snake Blood by Dssolvr. 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
It's time for a Friday Flight! These 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 and helpful stories like eating elephant ears, affordable solar power, booming used car sales, women exiting the workforce, how we can support our local restaurants, working from home expenses, and finding a 4% savings interest rate! 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
When either of us are talking with someone and the conversation shifts to the fact that we own rental properties, there’s always the assumption: “It must be a huge pain to deal with maintenance issues!” or “I bet you’ve had some nightmare tenants!”. But in reality that hasn’t at all been our experience even though there are horror stories and personal anecdotes out there. We want potential investors to know that there are steps you can take to ensure that you’ll have a positive experience investing in real estate and managing properties, while simultaneously making money every month and building wealth. We even discuss property managers and when hiring one could make sense. If you’ve thought that you’ll never own rental properties because they sound like too much work, then this episode is for you! During this episode we enjoyed a POG Basement IPA by Scofflaw 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’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 - Should I pay points on a mortgage to get a lower rate? 2 - What kind of impact will closing some credit cards have on my credit score? 3 - Being a recent divorcee, what should be my financial priorities? 4 - Do you guys recommend any investing apps that round up purchases? 5 - Should I buy real estate in order to build wealth? During this episode we both enjoyed a Swoon Units by Fonta Flora! 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 for a Friday Flight! These 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 and helpful stories like a great way to support your local indie bookstore, an easier path to PPP loan forgiveness, scams on Venmo and Cash Apps, and we wonder if realtors are paid too much. After all of that we talk about free bacon masks, what to do with your frequent flier miles, industries that are hiring, and negotiating a severance package. 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
“They don’t make them like they used to!” Even though that’s something you might hear a parent or grandparent say, there is some truth to the phrase. Unfortunately, there are a lot of products out there that fail prematurely, and it causes us to spend more of our hard earned money. Planned obsolescence is a concept that we’ve heard as consumers, but what does it actually mean? And is all planned obsolescence a terrible thing? In this episode we cover many examples of it, including the notorious sector of consumer electronics. But then we also dive into how we can do our best to avoid spending more money, due to planned obsolescence. During this episode we enjoyed a Juicy IPA by Squatters Craft Beer- thanks Sam! 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
Morgan Housel has a degree in economics and started writing about money and investing 13 years ago. He's a partner at The Collaborative Fund which is a venture capital firm that invests in companies that are trying to make the world a better place. Morgan is also a former columnist at The Motley Fool and the Wall Street Journal but his work has also been published in Time, USA Today, Business Insider. He's truly an expert on behavioral finance and he recently published his book, "The Psychology of Money: Timeless lessons on wealth, greed, and happiness." This episode is all about the behavioral aspects of our money, because as Morgan explains- there is a massive gap between knowing the right things to do with our money, and doing the right things with our money. During this episode we enjoyed a Polygamy Porter by Wasatch Brewery- thanks to Sam for donating this one to the podcast! 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
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Comments (67)

Matthew Kerfoot

such a good podcast on how to make the most money and the most of your money!

Oct 25th
Reply

Damion Powers

Love you guys!

Oct 14th
Reply

Dana Van Stee

I thought being homeless WAS debt free?

Sep 29th
Reply (1)

RV

the actual podcast that is relevant start at 13 minutes. 13 Minutes!! they talk about unrelated stuff for 12 minutes. what an absolute waste of time. Well, that's the last I'm hearing from this trash channel.

Sep 4th
Reply

Emblem B

This was a great episode. I love Tiffany.

Aug 26th
Reply

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
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