How to Money

Friday Flight - EV Apathy, Tax Penalties, & Inflation Is Your Fault! #759

08 Dec 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...

Tax Planning to Shrink What You Owe w/ Sean Mullaney #758

06 Dec 2023

Contributed by Lukas

Don’t believe long-term tax planning is crucial? Here’s a new way to think about it: picture having a slow leak in one of your tires. Well if you ...

Ask HTM - Down Payment vs Investing, Financial Calculators FTW, & the Best High Yield Business Account #757

04 Dec 2023

Contributed by Lukas

Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question ...

Friday Flight - Formerly FIRE, Fast Food Inflation & Happiness Ain’t Cheap! #756

01 Dec 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...

FAFSA Hacks to Curb College Costs w/ The FAFSA Guru #755

29 Nov 2023

Contributed by Lukas

Today we're diving into the dollar-saving-world of the Free Application for Federal Student Aid, better known as the FAFSA (which has seen some signif...

Ask HTM - Switching Banks for an Extra 1%, How Much to Spend on a Car, & A Primary Residence to Investment Property Conundrum #754

27 Nov 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 - Black Friday Flaws, 401k Fails, & You’re Buying the Wrong EV #753

24 Nov 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...

Effective Altruism & Giving Well w/ Elie Hassenfeld #752

22 Nov 2023

Contributed by Lukas

Here on the podcast we're always on the lookout for the biggest bang for our buck. Picture this: you, in the grocery store aisle, pondering the cosmic...

Ask HTM - Helping Family Regain Financial Footing, Mobile Home Upgrades, & Tax Loss Harvesting For Everyone #751

20 Nov 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 - Chasing Returns, Free Refis, & Ridiculous Ramsey Rants #750

17 Nov 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...

Holiday Shopping Without the Hangover w/ Julie from DealNews #749

15 Nov 2023

Contributed by Lukas

Hold on to your holiday hats because Americans are gearing up to break the spending records this holiday season! Deloitte reports an expected 14% incr...

Ask HTM - Vital Insurance That’s Not On Your Radar, Budgeting w/ A Variable Income, & Taxes Owed When You Sell Your House #748

13 Nov 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 - Pressure To Go Paperless, The Subprime Tax, & A Priceless Privacy App #747

10 Nov 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...

Crypto’s Wild Rise and Staggering Fall w/ Zeke Faux #746

08 Nov 2023

Contributed by Lukas

Aside from the fact that cryptocurrency has lost its luster in recent years, it also has a host of other problems. First of all there’s the climate ...

Ask HTM - Are FSAs Worth The Hassle, Making Too Much for a Roth, & Mentally Shifting from Saver to Spender #745

06 Nov 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 - Top Tier Gas, Credit Freeze Failure, & Bad News for Budgeters #744

03 Nov 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...

Prenups Are For Lovers w/ Aaron Thomas #743

01 Nov 2023

Contributed by Lukas

We’re guessing that the title of this episode may have come as a shock to a lot of folks! If you’ve been listening to the show for a while, you ma...

Ask HTM - Avoiding Financial Skeletons, Gross OnlyFans Feet Pics, & Cutting Funeral Costs #742

30 Oct 2023

Contributed by Lukas

We’re kicking off the week by answering your spooky listener money questions! And if you have a question that you’d like for us to answer on the s...

Friday Flight - Married Money Mistakes, Expensive IPAs, & A Better Way To Open Enroll #741

27 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...

Preparing for the Unthinkable w/ Chanel Reynolds #740

25 Oct 2023

Contributed by Lukas

Dying without the proper documents in place can cost your loved ones a ton of money! The latest research shows that probate can easily take a 3% to 7%...

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...