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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.
97 Episodes
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This week on the pod we’re answering your questions! 1 - Should I get umbrella insurance or put each investment property in it’s own LLC? 2 - Should I change my tax withholdings to pay off debt? 3 - How should my partner and I split bills and pursue financial independence when we have very different incomes? 4 - When should I consider switching to a bank that pays a higher interest rate? 5 - How should I structure a group of friends to discuss talking about money?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 Pink Robots by Birdsong Brewing which you can find on Untappd. A big thanks to Emma 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, 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
Here on How to Money, we often debate the merits of a purchase, not because we hate spending money and try to avoid doing so at all costs, but because we are constantly checking ourselves to avoid the MINDLESS spending of our money. It is a challenge to make every financial decision with the same level of intentionality but we find we are often more wasteful when we are feeling too tired or lazy to be intentional. But just being aware of some of the triggers and circumstances that lead us to spend in ways that don't align with our financial goals can help us see it and own it when it happens, and lead us to effectively change our habits for good. Being excited to spend our money mindfully on a purchase that aligns with our financial goals is a good, healthy feeling- whereas impulse spending can leave a spending hangover, often accompanied by debt. Listen as we run through several rules that help us be mindful spenders.During this episode we enjoyed a National Cherry Blossom FestivAle by Old Ox Brewery which you can find on Untappd. A big thanks to our good buddy Andrew 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, 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 is so much more to handling your finances and investing well, than just knowing the correct information. Oftentimes we’re blind to the factors all around us, including our own tendencies and biases which can have a much bigger impact on how well we money. Willpower is limited and context matters way more than we might think. That’s why we're pumped to sit down with Dr. Daniel Crosby- he is a psychologist and behavioral finance expert who helps folks understand the intersection of their minds and their money. Daniel is a NYT bestselling author on behavioral finance, and his latest book The Behavioral Investor, looks at the psychology, physiology, and sociology of financial decision making. By the end of this episode, you’ll have a better understanding of what steps you need to take in order to be a successful investor.During this episode we both enjoyed a Hoplanta by Atlanta Brewing Co which you can find on Untappd. A big thanks to Daniel himself, for not only showing up talking with us in person, but for donating these beers to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review over in Apple Podcasts - that's how you can enter to win a copy of Daniel's latest book The Behavioral Investor. Once you leave that review, just shoot us an email at howtomoneypod@gmail.com with your screen or user name and you'll be set!Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
Anyone who has heard of the different warehouse clubs like Costco, Sam’s Club, and BJ’s has also heard that they’re a great place to save you money. But are they? With the proliferation of discount grocery stores and the ability to easily find a great deal on pretty much any product online, some are questioning whether the annual membership fees are worth it. Have a listen as we break down a bunch of the benefits, but also some of the drawbacks associated with warehouse clubs.During this episode we both enjoyed a Buffalo Soldier by UTOG Brewing Co which you can find on Untappd. Another big thanks to Andy 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, 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 - Having just started my career, how much should I have in my emergency fund? 2 - Should I still move forward with my credit freeze? 3 - My insurance agent is recommending an insurance policy with a cash value. Should I consider it? 4 - Should we get a variable or fixed rate mortgage for our first home purchase? 5 - How do I keep my car insurance rates down after getting in a wreck?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 Killer Grove by Talisman Brewing Co which you can find on Untappd. A big thanks to Andy 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, 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
How much are you paying to invest in your 401k or IRA? You might see fees as an unavoidable cost of investing, but even a 1% fee could easily cost you more than a half million dollars over your investing lifetime. Fees not only erode how much money you have to invest now, but they lessen the amount of money that is compounding in your account year after year- the impact is twofold! Listen as we discuss the different types of fees, how to look for them, and then where to go in order to avoid fees altogether.During this episode we both enjoyed a Bent De Garde by Braindead Brewing which you can find on Untappd. A big thanks to Jerrod and our friends out there in Dallas 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, 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
Pretty much everyone we know would love to have more hours in their day- more time to spend with friends and family, more time to read or exercise (or any time), or even some extra hours to work on that side hustle you’ve been thinking about. We are really excited to have time management expert Laura Vanderkam on the podcast as she helps people spend more time on what matters, and less on what doesn’t. We discuss her latest book, Juliet’s School of Possibilities where she says that “Expectations are infinite, time is finite, you are always choosing, choose well.” In this conversation we dive into ways to be more efficient at work, how we should be thinking about our time at home while we’re ‘off the clock’, and some tips on how we can better manage distractions.During this episode we both enjoyed an Infinity Bloom by Newgrass Brewing Co. which you can find on Untappd. A big thanks to Mano and Pop (Matt’s in-laws) 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, 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
How much are you spending on your car? Aside from housing, Americans spend more money on cars and transportation costs than any other category, accounting for 14% of the average budget. That’s $9,000 annually according to the US Consumer Expenditure Survey but it could be a lot less! Luckily, some cars cost WAY less than others to purchase and maintain, and in this episode we make some car recommendations for frugal folks.During this episode we enjoyed a Bitter by FORM Fermentery and Blendery which you can find on Untappd. Another big thanks to Adam 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, 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 - Is it possible to create a side hustle using the different grocery or exercise apps that promise to pay? 2 - Should I diversify and have more than one Roth IRA account? 3 - As a highschool teacher preparing my students for the real world, what personal finance topics should I be sure to include? 4 - What are the best methods for accepting rent? 5 - What are some ways to cut the cost of cosmetics?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 Form to Table by FORM Fermentery and Blendery which you can find on Untappd. A big thanks to Adam 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, 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
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
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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
Reply
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