How to Money
Episodes
Ask HTM - Slashing the Grocery Bill, Life Insurance in Your 20s, & Public Sector Employee FIRE #739
23 Oct 2023
Contributed by Lukas
We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d l...
Friday Flight - Cheap Ugly Homes, Scam Susceptibility, & Timeshares Making A Comeback #738
20 Oct 2023
Contributed by Lukas
Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headline...
Mental Health is Financial Health w/ Aja Evans #737
18 Oct 2023
Contributed by Lukas
The fundamentals of personal finance aren’t all that complicated- there’s a reason why we came up with the Money Gears: 7 straight forward steps t...
Ask HTM - Distinctive Robinhood IRA Match, SAVE Plan Costing More, & Hunting for a $5k Car #736
16 Oct 2023
Contributed by Lukas
We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d l...
Friday Flight - Atrocious Autopay, High Cost of WFH, & IRS Comes For Savers #735
13 Oct 2023
Contributed by Lukas
Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headline...
Turning Thousands Into Millions w/ Paul Merriman #734
11 Oct 2023
Contributed by Lukas
Sure you could simply invest in a target date fund, or even take the more aggressive path by going all-in on equities and investing solely in the S&am...
Ask HTM - Societal Impact of Credit Card Fees, Auto Transfer vs Auto Invest, & Shielding Your Credit Report from a Bill in Collections #733
09 Oct 2023
Contributed by Lukas
We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d l...
Friday Flight - 4 Day Work Weeks, AI Investing, & Diamonds are for Suckers #732
06 Oct 2023
Contributed by Lukas
Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headline...
The Myth of the Broke Millennial w/ Dr. Jean Twenge #731
04 Oct 2023
Contributed by Lukas
There’s a massive difference between how something feels versus the actual reality. We’re talking about vibes as opposed to empirical evidence. An...
Ask HTM - (Gun) Hobby Spending Disagreements, Int'l Roaming with the Low Cost Providers, & Managed Retirement Accounts FTW? #730
02 Oct 2023
Contributed by Lukas
We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d l...
Friday Flight - Student Loan Payment Panic, Hottest Job Prospects, & Drug Discounts #729
29 Sep 2023
Contributed by Lukas
Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headline...
Family First Entrepreneurship w/ Steve Chou #728
27 Sep 2023
Contributed by Lukas
The term “hustle” might be synonymous with “entrepreneur” for a lot of folks. And they might be interchangeable because it certainly does take...
Ask HTM - Inflating the 25x Rule, Online Car Refinancing, & Affordable ADUs #727
25 Sep 2023
Contributed by Lukas
We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d l...
Friday Flight - EV Incentives, Fund Fee Battles, & Reward Deficiency Syndrome #726
22 Sep 2023
Contributed by Lukas
Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headline...
Debt-Free Degrees w/ Jason Brown #725
20 Sep 2023
Contributed by Lukas
Student loan debt is good, and credit card debt is bad… right? Well not so fast. What if an undergrad drops out halfway through school with no degre...
Ask HTM - Student Loan Forgiveness Gray Area, Getting an Umbrella Policy, & Investing in Gold #724
18 Sep 2023
Contributed by Lukas
We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d l...
Friday Flight - Surge Pricing for Beer, Majors Over Pedigrees, & The Death of Privacy #723
15 Sep 2023
Contributed by Lukas
***Beers on us, today at Inner Voice Brewing, 4-8pm, we'll see ya there!*** And speaking of beers, it’s time for a Friday Flight- our little samp...
Military to Millionaire w/ Lacey Langford #722
13 Sep 2023
Contributed by Lukas
Only 9% of young Americans have shown an interest in serving in the military according to the latest figures- we’ve seen a precipitous drop which me...
Ask HTM - Work Provided Life Insurance, Compounding Returns with a 401k True-Up, & Selling a Home to an iBuyer #721
11 Sep 2023
Contributed by Lukas
We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d l...
Friday Flight - Short-Term Rental Smackdown, Negative Nellies, & Donation Dilemmas #720
08 Sep 2023
Contributed by Lukas
Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headline...
Time > Money w/ Ben Miller #719
06 Sep 2023
Contributed by Lukas
Time is easily our most precious resource, but rarely do we pay much attention to what it is that we’re going to spend our minutes and hours, which ...
Ask HTM - Renovating While Paying Off Student Loans, 529 Strategy For Immediate Use, & Popular Banks Get Downgraded #718
04 Sep 2023
Contributed by Lukas
We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d l...
Friday Flight - Airfare-Booking Sweet Spot, Worthless Work, & 1% Down Mortgages #717
01 Sep 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
Avoid & Combat Crushing Medical Debt w/ Dr. Virgie #716
30 Aug 2023
Contributed by Lukas
Our guest today has a three step process that will ensure that you’re paying as little as possible for your medical care! This is good to know becau...
Ask HTM - Side Hustle Seed Money, A Luxury Sports Car Splurge, & Early Access To Retirement Funds #715
28 Aug 2023
Contributed by Lukas
We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d l...
Friday Flight - TikTok Shop, Bitcoiners Beware, & Kitchen Appreciation Fees #714
25 Aug 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
Radical Money Advice for Couples w/ the RadCoaches #713
23 Aug 2023
Contributed by Lukas
Finances get a little more complicated when a significant other enters the equation. There might be additional income which is nice, but don’t forge...
Ask HTM - Combining Our Finances, Dental Insurance Considerations, & When Whole Life Makes Sense #712
21 Aug 2023
Contributed by Lukas
We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d l...
Friday Flight - Pet Debt, Job Hopping, & Goldilocks Cash #711
18 Aug 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
Small But Mighty Real Estate Investing w/ Chad Carson #710
16 Aug 2023
Contributed by Lukas
We’re stoked to be talking with our friend Chad Carson, aka Coach Carson, which is also where you can find him online: CoachCarson.com. We’ve know...
Ask HTM - Medical Bill Negotiation Sites, Choosing Between a Car or House, & A Bike Commuter Frugal or Cheap #709
14 Aug 2023
Contributed by Lukas
We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love f...
Friday Flight - Rusty Realtors, Insurance Issues, & Home Equity Expenditures #708
11 Aug 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
The Impending Student Loan Cliff #707
09 Aug 2023
Contributed by Lukas
If you’ve got a weird colored mole on your shoulder that’s getting bigger- you should probably visit a dermatologist ASAP! Most health issues are ...
Ask HTM - Employer Matched Vacation Savings, Free Credit Card Cell Phone Insurance, & Assumable Mortgages #706
07 Aug 2023
Contributed by Lukas
We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love f...
Friday Flight - Sneaky BNPL Loans, Crowdfunding Kerfuffles, & America’s Credit Downgrade #705
04 Aug 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
Wives & Money... Part V #704
02 Aug 2023
Contributed by Lukas
Emily and Kate are here to give you all the dirt! Not really, but they have graciously agreed to sit down with us, the dorky husbands, to help answer ...
Free Family Travel w/ Lyn Mettler #703
31 Jul 2023
Contributed by Lukas
Traveling for free sounds like a lofty goal for most folks. Sure if you’re single or if you’re a DINK couple- but there’s no way you can pull th...
The Unspoken Rules Of Career Success w/ Gorick Ng (Bestie Ep) #702
28 Jul 2023
Contributed by Lukas
Excelling in your career depends on more than just doing a great job. Just because you’re a decent software engineer, or you get the job done as a n...
What if You Won the Lottery? (Bestie Ep) #701
26 Jul 2023
Contributed by Lukas
Winning the lottery shouldn’t be a part of your financial plan- but why are we so enthralled by the idea of winning the lottery?! On average, Americ...
Ask HTM - Home Warranties, Paying Extra on a Mortgage vs Investing, & Marketing a Side Business #700
24 Jul 2023
Contributed by Lukas
We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love f...
Friday Flight - BOA on Blast, Second Home Slip-ups, & Buses are Back #699
21 Jul 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
The High Cost of Crappy Credit #698
19 Jul 2023
Contributed by Lukas
Think back to the last time you lost power at your place. I’m sure it was an inconvenience- it was likely annoying to find yourself walking into a r...
Why You Need a Money Coach in Your Corner w/ Ericka Young (Bestie Ep) #697
17 Jul 2023
Contributed by Lukas
It’s time to get your financial butt in shape! Our guest today, Ericka Young, is the financial coach that she never had! As a newlywed couple, Erick...
Joel's $ Origin Story (Bestie Ep) #696
14 Jul 2023
Contributed by Lukas
Better know a podcast host! Oftentimes here on the podcast we talk about our daily lives. We’ll share little ways that we’re saving money, or you ...
Matt's $ Origin Story (Bestie Ep) #695
12 Jul 2023
Contributed by Lukas
Oftentimes here on the podcast we talk about our daily lives. We’ll share little ways that we’re saving money, or you get to hear about our curb a...
Ask HTM - Prepaid College Plans, Maturing Savings Bonds, & Settling the Roth vs Trad 401k Debate #694
10 Jul 2023
Contributed by Lukas
We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love f...
Friday Flight - Student Loans (un)Forgiven, Shamed Spenders, & Geographic Arbitrage #693
07 Jul 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
Financial Independence Exists on a Spectrum #692
05 Jul 2023
Contributed by Lukas
Are you ‘credit card FI’ or are you ‘sabbatical FI?’ But maybe we’re getting ahead of ourselves… First, does anyone else remember the home...
Why Is Insurance So Funky? with Amy Finkelstein #691
03 Jul 2023
Contributed by Lukas
Purchasing an insurance policy is one of those seemingly boring tasks that accompanies entering adulthood. Whether it was your parents making you chip...
Friday Flight - Costco’s Crackdown, Bad Vibes, & Forgotten 401k Accounts #690
30 Jun 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
How Complicated Should Investing Be? #689
28 Jun 2023
Contributed by Lukas
Have you ever renovated a home? If so, then you remember all of the decisions that you had to make that initially were a lot of fun. Paint colors, lig...
Ask HTM - Paying Off Student Loans Without Dinging My Credit, DIY Tax Loss Harvesting, & Financially Preparing for a Baby #688
26 Jun 2023
Contributed by Lukas
We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love f...
Fight and WIN Against Insane Healthcare Costs w/ Marshall Allen (Bestie Ep) #687
23 Jun 2023
Contributed by Lukas
Marshall Allen is a journalist who investigates why we pay so much for healthcare here in America, while simultaneously we receive so little in return...
Workplace Whiplash: Hybrid Work is Here to Stay #686
21 Jun 2023
Contributed by Lukas
The last thing you want to do when hydroplaning on a flooded road is to overcorrect, potentially sending your car veering into the opposite direction,...
Food Stamps to Financial Freedom with Yanely, aka MissBeHelpful #685
19 Jun 2023
Contributed by Lukas
We’re joined today by Yanely Espinal, who is also known as MissBeHelpful in the online world of personal finance. Yanely was born in Brooklyn, she i...
Friday Flight - Rents are Receding, The Bull is Back, & Legit Free Cell Service #684
16 Jun 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
Unique & Delightful Credit Card Benefits #683
14 Jun 2023
Contributed by Lukas
When was the last time you were delighted by something or someone?! For Joel, it was when the tree removal company came back out to his house to re-ta...
Ask HTM - Diagnosable Money Disorders, Rising Home Values vs Wage Growth, & Saving with a 1031 Exchange #682
12 Jun 2023
Contributed by Lukas
We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love f...
Friday Flight - T Swift Tourism, Prime Perks, & Apple Breaks the Bank #681
09 Jun 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
The Diminishing Returns of Frugality #680
07 Jun 2023
Contributed by Lukas
Have you ever eaten so much dessert that you thought you might puke? Or maybe you find yourself at the end of a shopping spree with too many clothes i...
Navigating the Kinda Crazy Car Market with Car Dealership Guy #679
05 Jun 2023
Contributed by Lukas
Used cars have APPRECIATED in value! This has never happened before and is a result of the upended car market that we’ve experienced over the past f...
Friday Flight - Payments UNpaused, CD Laddering, & Caseless Crazies #678
02 Jun 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
The Dirty Truth About Home Ownership #677
31 May 2023
Contributed by Lukas
You’ve gotta wait 30 minutes to get back in the pool if you’ve eaten! Don’t pee in the pool- it’ll turn red! There are a lot of things we lear...
Ask HTM - Job Pay vs Job Passion, TikTok Mortgage Hack, & Investing More with an IUL Policy #676
29 May 2023
Contributed by Lukas
We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love f...
Friday Flight - Customer Centric Companies, Password Panic, & The Worst Time to Travel #675
26 May 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
Overcoming Our Idiot Brains #674
24 May 2023
Contributed by Lukas
Have you seen the meme of the guy on a bike who puts a stick in his spokes and then crashes? There are literally hundreds of different versions based ...
Life After Financial Independence w/ The Mad Fientist #673
22 May 2023
Contributed by Lukas
We had the pleasure of sitting down with our friend Brandon Ganch, who is The Mad Fientist, while we were recently traveling in Scotland! Brandon star...
Friday Flight - Returning Rags, Debt Ceiling Standoff, & Gold in the Attic #672
19 May 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
Post-Graduation Money Advice for the Real World #671
17 May 2023
Contributed by Lukas
Getting your driver’s license was a liberating milestone worth celebrating because it meant you no longer needed your parents to drop you off at wor...
Ask HTM - Credit Card Strategies for Max Benefits, Keeping/Ditching a Beloved Car, & All-Cash Home Buyers #670
15 May 2023
Contributed by Lukas
We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love f...
Friday Flight - Tyrannical Tipping, Insurance Increases, & Trading All The Time #669
12 May 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
Financial Pessimism Will Eat You Alive #668
10 May 2023
Contributed by Lukas
Whether you saw some crazies doing it on TikTok or read about it in a fitness magazine, it seems like a lot of folks are giving ice baths a try. Evide...
The Good Enough Job with Simone Stolzoff #667
08 May 2023
Contributed by Lukas
“Work will always be work. Some people work doing what they love. Other people work so that they can do what they love when they’re not working. N...
Jet-Setting for Little to No Money w/ The Points Guy Brian Kelly (Bestie Ep) #666
05 May 2023
Contributed by Lukas
Since we’re taking a little vacation over in Scotland, we thought it would be a good time to re-release this episode on how you can travel for littl...
Preparing for a Layoff Tidal Wave #665
03 May 2023
Contributed by Lukas
“Prepare the child for the road, don’t prepare the road for the child”. This is an old adage that you may, or may not agree with- but regardless...
Ask HTM - Hanging Onto A Car Loan, Small Purchases That Spark Joy, & Maximizing HSA Benefits #664
01 May 2023
Contributed by Lukas
We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love f...
Friday Flight - Credit Contradictions, Lasagna On Layaway, & No More Bolt #663
28 Apr 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
Who Wants to *Literally* Be a Millionaire? #662
26 Apr 2023
Contributed by Lukas
Sherlock Holmes is a literary character we’re all familiar with who has the uncanny ability to solve any mystery he comes across. And one of the thi...
Cheap Meal Prep For Struggling Chefs w/ Frankie Celenza #661
24 Apr 2023
Contributed by Lukas
What do Michelle Obama and Novak Djokovic have in common? Well at the very least they’ve both enjoyed meals by today’s guest, Frankie Celenza. And...
Friday Flight - The New Apple iBank, Generational Disparagement, & Culinary Culprits #660
21 Apr 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
Accidents & Insurance & Deductibles, Oh My! #659
19 Apr 2023
Contributed by Lukas
Who remembers fire and tornado drills back when they were in school?! Even though in the moment they seemed like a complete waste of time, looking bac...
Ask HTM - Waiting to Pay Monthly Bills, Whether Invested Dollars are Safe, & Buying a Parent's House #658
17 Apr 2023
Contributed by Lukas
We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love f...
Friday Flight - AI Tax Help, Lawless Libraries, & Mortgaged Forevermore #657
14 Apr 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
Using Energy Tax Credits To Your Advantage #656
12 Apr 2023
Contributed by Lukas
Folks will do some crazy things for money! There was an article in The Free Press about human lab rats and the lengths they go in order to make a buck...
Demolishing College Costs with Ann Garcia #655
10 Apr 2023
Contributed by Lukas
Over the last 20 years, college tuition and fees have exploded- increasing by nearly 180% to the chagrin of many parents and high school seniors. But ...
Friday Flight - Tax Extensions, Click to Cancel, & The Value of Money #654
07 Apr 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
Money Gears: Ordering Your Money Decisions Properly #653
05 Apr 2023
Contributed by Lukas
Over 1,000 years ago, somehow, the Vikings were able to sail from Norway to Greenland. Without relying on any special instruments or any rudimentary t...
Ask HTM - Downsides to the Upside App, Carrying Over Out-Of-Pocket Medical Expenses, & Ignoring Mom's Financial Advice #652
03 Apr 2023
Contributed by Lukas
We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love f...
Friday Flight - Costly Car Insurance, Crypto Cons, & Incredible I Bonds #651
31 Mar 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
The Understated Power of Stealth Wealth #650
29 Mar 2023
Contributed by Lukas
Clark Kent has a nerdy newspaper job, he’s got thick glasses- he’s definitely not cool in the city of Metropolis. But when he pulls back the white...
Get Paid What You’re Worth with Alex Carter #649
27 Mar 2023
Contributed by Lukas
Today’s conversation is all about getting that raise that you deserve! We’re joined by Alex Carter who is a Clinical Professor of Law and the Dire...
Friday Flight - Toxic Ticketmaster, Water Waste, & Macron’s Mission #648
24 Mar 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
The Harsh Realities of Real Estate Investing #647
22 Mar 2023
Contributed by Lukas
Is homeschooling the best move for your family? Maybe!? That depends on so many factors like your family values, the goals for your career, what resou...
Ask HTM - 1.5x Speed on Savings Goals, Free Tax Prep Software, & Too Old to Invest? #646
20 Mar 2023
Contributed by Lukas
We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love f...
Friday Flight - Bank Blow-Ups, Is Your Money Safe, & Plastered Purchases #645
17 Mar 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
Reacting Rationally to Rising Rates #644
15 Mar 2023
Contributed by Lukas
What one thing do we all do before we put our clothes on in the morning? We all check the weather! Because which clothes we opt to wear is largely dep...
Use It Up, Wear It Out, Make It Do, or Do Without with Katy Wolk-Stanley #643
13 Mar 2023
Contributed by Lukas
Everybody has heard of a consumer advocate before- someone who helps to make sure that individuals are getting the best deal possible. Or to make sure...
Friday Flight - Student Loan Silly Season, Revenge Spending, & Entrepreneurship Everywhere All at Once #642
10 Mar 2023
Contributed by Lukas
Time for a Friday Flight- our sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out t...
Buffettisms: Lessons from the GOAT Investor #641
08 Mar 2023
Contributed by Lukas
Who is the greatest actor of all time? You might have an opinion- maybe it’s Meryl Streep or Daniel Day-Lewis, but this would likely lead to a prett...
Ask HTM - Expensive Family Vacations, Making Extra Mortgage Payments, & Forfeiting Credit Card Rewards #640
06 Mar 2023
Contributed by Lukas
We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love f...