How to Money

Friday Flight - Junking Fees, Costly Casas, & Procrastination Penalties #639

03 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...

Is Early Retirement A Smart Goal? #638

01 Mar 2023

Contributed by Lukas

Cinderella is such an absurd story! Seriously, when you stop and think- it’s pretty messed up: a prince dances with a girl he’s never met before f...

Using Debt to Build Wealth with Tom Anderson #637

27 Feb 2023

Contributed by Lukas

Virtually all conventional wisdom points folks in the direction of paying off their debt. “Debt is dumb” is a line you’ll hear after listening t...

Friday Flight - Erupting Equity, Apprenticeships that Pay, & Scammy Savings #636

24 Feb 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...

Butchering Your Grocery Bill #635

22 Feb 2023

Contributed by Lukas

Do you know something that we’re all currently doing? Breathing. It’s something we rarely actively think about, but it turns out that there are wa...

Ask HTM - Personal Loans for a Crypto Biz, Travel Nursing FTW, & Small Business Benefits #634

20 Feb 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 - Cheating Charities, Sketchy Retailer Tactics, & Starving to Save #633

17 Feb 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...

Did the Pandemic Change Personal Finance? #632

15 Feb 2023

Contributed by Lukas

Cults are fascinating. The amount of gaslighting and denial of reality that takes place in order to perpetuate the movement is simply mind boggling. A...

Solutions for Money Anxiety with Financial Therapist Lindsay, Bryan-Podvin #631

13 Feb 2023

Contributed by Lukas

There’s more to successfully handling your money than just figuring out the financial nuts and bolts. Money has emotional and psychological componen...

Friday Flight - Netflix Crackdown, Big Game Gambling, & Reduced Tax Refunds #630

10 Feb 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 Credit Cards as Nature Intended #629

08 Feb 2023

Contributed by Lukas

"He was a wise man who invented beer." - Plato   If you’ve been listening for any length of time you know that we like craft beer. But booze can be...

Ask HTM - Getting a Reluctant Spouse on Board, WTD with an Old 529 Plan, & Landlording from Abroad #628

06 Feb 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 - Madonna v. Munger, Rich Renters, & Empty Promises of Passive Income #627

03 Feb 2023

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

The Science of Smarter Spending #626

01 Feb 2023

Contributed by Lukas

We love nerdy board games! And one of the things that makes them fun, besides getting to play them with friends and family, is the competition for sca...

Frugal Traveling with the NYT Elaine Glusac #625

30 Jan 2023

Contributed by Lukas

Everyone loves to travel! Who doesn’t enjoy exploring a new country, tasting new and interesting foods, diving into the history and culture of a new...

Friday Flight - Prime Prescriptions, Gold Digging Dinner Dates, & Stellar Customer Service #624

27 Jan 2023

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Maximizing Your Income in 2023 #623

25 Jan 2023

Contributed by Lukas

Focusing only on cutting your expenses in order to invest more money, is just like only focusing on cutting out sweets in order to lose weight. It’s...

Ask HTM - Combining Our Lives/Money, REITs vs Real Estate, & Cutting Childcare Costs #622

23 Jan 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 - Tax Loopholes, Savers' Paradise, & Shopper Revolts #621

20 Jan 2023

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

A Foolproof Plan to Ditch Debt #620

18 Jan 2023

Contributed by Lukas

Sitting on your butt is killing you! According to the Heart Foundation, folks who sit the most are 90% more susceptible to dying from cardiovascular e...

Budgeting Like a Beast with Jesse Mecham #619

16 Jan 2023

Contributed by Lukas

We’re going all-in today on budgeting with our special guest- Jesse Mecham! There are a number of folks listening who might recognize his name, but ...

Friday Flight - More Potential Loan Forgiveness, Egg Fights, & Workplace Drama #618

13 Jan 2023

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

The Massive Retirement Account Changes That Impact You! #617

11 Jan 2023

Contributed by Lukas

Would you eat boiled buffalo testicles like they did on the old show Fear Factor? Or walk between two high-rises on a cable? Or allow tarantulas to be...

Ask HTM - Cash with an Online Bank, Revenue Credits on a Target Date Fund, & Paying Taxes on Hobby Income #616

09 Jan 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 - Holiday Return Hassles, Tax Relief, & Stranded by Southwest #615

06 Jan 2023

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Essential Habits For Financial Success #614

04 Jan 2023

Contributed by Lukas

Close your eyes and think back to high school. No matter if those were the best years of your life or if you were more of a wallflower, you were likel...

Making Money Changes That Stick with Katy Milkman #613

02 Jan 2023

Contributed by Lukas

We’re talking all about how we can make positive money changes in 2023! And we can think of no better guest to have on the show than Katy Milkman, a...

Friday Flight - Joel & Matt's Year End Review! #612

30 Dec 2022

Contributed by Lukas

During this special year-end Friday Flight, we’re discussing the major stories from the entire year and their impact on your personal finances! Ther...

Pursuing Happiness In All the Wrong Ways #611

28 Dec 2022

Contributed by Lukas

We hope that you’re having a wonderful holiday season. And if you celebrate Christmas, or any holiday that involves the exchange of gifts- isn’t i...

Ask HTM – Prenups & Properties, Skipping a Money Gear for the Match, & Investing in Main Street #610

26 Dec 2022

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 - Store Brand Surges, 401k Changes, & Inconvenient Conveniences #609

23 Dec 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

A Very Merry Minimalist Christmas (Bestie Ep) w/ Meg Nordmann #608

21 Dec 2022

Contributed by Lukas

Hear about Matt’s new favorite holiday cocktail, and then for our Bestie Episode, we had the pleasure of speaking with Meg Nordmann who is the autho...

A Guide for Life’s Biggest Decisions with Abby Davisson #607

19 Dec 2022

Contributed by Lukas

How do you really know if you’re making the right decision? It’s difficult to know- especially when relationships and careers are on the line. And...

Friday Flight - Cars That Last, SBFraudster, & Tricky Tax Forms #606

16 Dec 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Financial Festivus 2022: Celebrating Listener Money Wins #605

14 Dec 2022

Contributed by Lukas

Let’s party! In what felt like a bummer of a financial year, it’s important to spend some time remembering the positives. We’ve experienced a ma...

Ask HTM - Avoiding Busted Budgets, Getting Declined with an 800+, & Financing Medical Expenses #604

12 Dec 2022

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 - Cable Comeback, Robinhood Retirement, & The $42 Billion Question #603

09 Dec 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

AMA: Better Know the Podcast Hosts! #602

07 Dec 2022

Contributed by Lukas

Check out our first ever AMA: an ‘ask me anything’ where we focused on personal questions as opposed to personal finance related content! Typicall...

Everything You Need to Know About Student Loan Forgiveness with Meagan McGuire #601

05 Dec 2022

Contributed by Lukas

We’re joined by student loan repayment expert, Meagan McGuire! I don’t think there is anyone else we know who understands the intricacies of stude...

Friday Flight - Dumpster Diving, Housing Hellscape, & Tech Company Transgressions #600

02 Dec 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Forging Financial Flexibility in an Uneasy Economy #599

30 Nov 2022

Contributed by Lukas

Flexibility is a characteristic that will serve you well! This reminded Joel of his summer beach trip with his family to Tybee Island. Shortly after t...

Ask HTM - Best Personal Business Bank Combo, Pay Off Student Loans or Invest, & Big Wireless Getting More Affordable #598

28 Nov 2022

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 - The Housing Halt, Low-Cost Healthcare, & Delinquent Debtors #597

25 Nov 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

How Much Should I Give To Charity? #596

23 Nov 2022

Contributed by Lukas

Farming has to be one of the most difficult careers if our (lack of) success at gardening is any indicator. By no means are we farmers, but from what ...

The Wild History of Index Funds with Robin Wigglesworth #595

21 Nov 2022

Contributed by Lukas

If you’ve listened to the show for more than a couple episodes then you know that we’re big fans of index funds. Specifically, low-cost widely div...

Friday Flight - DeFi Debacle, Forgiveness Freeze, & Degree Displeasure #594

18 Nov 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Popular Money Advice That Just Ain’t Right #593

16 Nov 2022

Contributed by Lukas

Searing your steak as a way to ‘lock in the juices’ is something we’ve heard folks recommend for years! Get that grill hot as blazes, toss on yo...

Ask HTM - Bank Bonus Bummers, Investing During A Bear, & A Kitchen Appliance Frugal or Cheap #592

14 Nov 2022

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 - Getting Paid To Pay Rent, Prime Perks, & A Low Score Costs You More #591

11 Nov 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Going Full CrossFit on Your Finances #590

09 Nov 2022

Contributed by Lukas

Back to the Future is easily one of the most quintessential 80s movies- come at us if you disagree! And there’s a scene early in the movie when Doc ...

Killer $5,000 Cars & The Future of EVs with Consumer Reports’ Mike Quincy #589

07 Nov 2022

Contributed by Lukas

Aside from buying a home, buying a car is one of the most expensive one-time purchases that we make. This is a part of the reason why we spend a decen...

Friday Flight - Checkout Hacks, Calming Compounding, & Balenciaga Babies #588

04 Nov 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Fast-Tracking Your Kids To Financial Success #587

02 Nov 2022

Contributed by Lukas

Most Americans didn’t have an inkling about Formula 1 racing for most of its existence, until the Netflix show Drive to Survive came along. It’s a...

Ask HTM - Investing in Real Estate with Only $5, Tapping a 401k to Pay Off Debt, & A Currency Exchange Frugal or Cheap #586

31 Oct 2022

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 - Forgiveness In Limbo, AARP for Babies, & Day Trading Dropouts #585

28 Oct 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Dying Destitute: Should You Spend All Your Money Before You Die? #584

26 Oct 2022

Contributed by Lukas

The fact that money is so measurable is both a blessing and a curse. It's a blessing because your budget, your salary, how much you have set aside in ...

Is Crypto Going Extinct? with Stacy-Marie Ishmael #583

24 Oct 2022

Contributed by Lukas

There’s a decent chance that during the pandemic and the ensuing months, that you were stuck at home with some extra cash on hand, but with no way t...

Friday Flight - Retreating Rewards, New Tax Brackets, & Workplace TRAPs #582

21 Oct 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Jesus Christ Super-Saver: Ancient Wisdom & Your Money #581

19 Oct 2022

Contributed by Lukas

We’re glad Ikea exists. The ability for a vast majority of the population to get their hands on some incredibly functional, well designed, and affor...

Ask HTM - Buying New or Used Cars in a Crazy Market, Stocks vs Real estate, & Converting or Rolling Over a 401k #580

17 Oct 2022

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 - Horrendous Investing Advice, Haute Dogs, & ADUs FTW #579

14 Oct 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Biking is a Money & Life Hack #578

12 Oct 2022

Contributed by Lukas

“Spend less than you make.” This is a maxim that is not only true but, if followed, will allow you to accomplish so many other goals that you migh...

Buying Existing Businesses to Make Millions with Codie Sanchez #577

10 Oct 2022

Contributed by Lukas

We’re pumped to talk with entrepreneur extraordinaire Codie Sanchez today. And while Codie is busy buying businesses today, the truth is, it took he...

Friday Flight - Idiotic Surveys, Side Hustle Superpowers, & Underutilized HSAs #576

07 Oct 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Responding to Rate-Hike Hysteria #575

05 Oct 2022

Contributed by Lukas

Whether you like it or not, higher interest rates are going to have an impact on your money! We liken it to the first Lord of the Rings book, the Fell...

Ask HTM - Buying a Home FSBO to Save, Getting Ahead on a Small Salary, & the Best Vegan/Eco-Friendly Banks #574

03 Oct 2022

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 - Prime Day Reprise, Subversive Subscriptions, & Moving for Money #573

30 Sep 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

EOY Deadlines: Reduce Your Taxes & Maximize Your Money #572

28 Sep 2022

Contributed by Lukas

With all that we’re trying to accomplish in our everyday lives- we find that reminders are a necessity. For instance, your car’s low gas indicator...

Jet-Setting for Little to No Money with The Points Guy Brian Kelly #571

26 Sep 2022

Contributed by Lukas

Brian Kelly, The Points Guy himself, is joining us today on the podcast! If you’ve ever attempted some research on airline miles or credit card rewa...

Friday Flight - Poop Music, Speculation Nation, & Coffee-Drinking Spendthrifts #570

23 Sep 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Achieving Balance In a World of Work Domination #569

21 Sep 2022

Contributed by Lukas

Up until the 1500s, everybody thought that the earth was the center of the universe- the sun, moon, and planets all orbited around us. But over the co...

Ask HTM - Recasting to Lower Your Mortgage Payment, A Solar Panel Conundrum, & Forfeiting I Bond Interest #568

19 Sep 2022

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 - Taxing Loan Forgiveness, Everyday Money Fights, & Virtuous Investing #567

16 Sep 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Strategic Debt Use To Catapult Your Finances #566

14 Sep 2022

Contributed by Lukas

Some folks will swear that taking a nap is bad for you. “It’ll throw off your circadian rhythm!” or “You’re being lazy- maybe it’s time to...

Building Wealth on a Tiny Income with Sarah the Budget Girl #565

12 Sep 2022

Contributed by Lukas

In the same way that being able to read is a critical component of learning and furthering your education, budgeting is essential to managing your mon...

Friday Flight - 3% Mortgages, Secondhand Steals, & Leg Room Lunacy #564

09 Sep 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

The Key Characteristics of Great Investors #563

07 Sep 2022

Contributed by Lukas

There’s been a massive proliferation of micro-transportation devices in recent years. Everything from Segways and electric skateboards to Onewheels ...

Ask HTM - Combining Finances as a Newlywed Couple, Seek and Destroy Investment Fees, & Making the Most of Inherited Money #562

05 Sep 2022

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 - Quiet Quitting, Cheap Ribeyes, & Another Housing Recession? #561

02 Sep 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Subtle Marketing Maneuvers That Stymie Your Money Momentum #560

31 Aug 2022

Contributed by Lukas

How something is communicated to us can have a major impact on the reception of that idea. For instance, Joel’s wife has been known to offer great a...

Tackling Personal Finance with NFL Linebacker Brandon Copeland #559

29 Aug 2022

Contributed by Lukas

Our guest today, Brandon Copeland is an NFL player, but he’s also so much more than that. He most recently played for our local team, the Atlanta Fa...

Friday Flight - Forgiveness Reality, Expensive Offspring, & DIY Coffins #558

26 Aug 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Beating Down the Biggest Money Obstacles You Face #557

24 Aug 2022

Contributed by Lukas

Gen Z listeners might not get this reference, but American Gladiators in the early 90s was the original American Ninja Warrior. The show was a series ...

Ask HTM - Overly Relying on Micro Jobs, Going Green and Frugal at the Same Time, & Selling Now vs Renovating in the Future #556

22 Aug 2022

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 - Dirt Cheap Groceries, Worthless Warranties, & Paused Payments? #555

19 Aug 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Negotiation as a Winning Everyday Tactic #554

17 Aug 2022

Contributed by Lukas

A couple years ago Matt got really into tracking his time for an entire year. Virtually every minute, there was an app running in the background as he...

Ratcheting Up Your Risk Tolerance with Allison Schrager #553

15 Aug 2022

Contributed by Lukas

We’re getting a little nerdy on the show today with Allison Schrager who is our favorite author on the subject of risk. She’s an economist, a seni...

Friday Flight - Holiday Flight Advice, Inflation Reduction Reactions, & Aldi at the Altar #552

12 Aug 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Is It a Terrible Time to Buy a Home? #551

10 Aug 2022

Contributed by Lukas

They say that timing is everything. For example, Nascar and F1 drivers need perfect timing in order to make a move and pass their competition. An ill-...

Ask HTM - Buying a Used Car from a Rental Fleet, Timing a 401k Conversion, & a Duplex Purchase Snag #550

08 Aug 2022

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 - Child Labor, Equifax’s Idiocy & Utility Bill Hacks #549

05 Aug 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Is College For Dummies? #548

03 Aug 2022

Contributed by Lukas

Now we know that baseball is America’s pastime, but is there any other sport that is more ingrained in our culture than football? And is there anyth...

Real Estate Investing in an Erratic Market with Brandon Turner #547

01 Aug 2022

Contributed by Lukas

This is the episode you need to listen to if you’ve been making excuses for not getting into real estate investing. Our interview today is with Bran...

Friday Flight - Ginormous Jackpots, Expensive Algorithms, & Geriatric Roommates #546

29 Jul 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

The Middle Class is Shrinking: What That Means for You! #545

27 Jul 2022

Contributed by Lukas

We, as human beings, avoid pain. Nobody likes to break their collarbone while snowboarding, cut their finger while chopping up some veggies, or even s...

Ask HTM - Dropping Money on Fancy Coffee, Insurance at the Expense of Investing, & the Best Approach to NFTs #544

25 Jul 2022

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 - Everyday Payday, Coupon Culling, & the Demise of Thrifting #543

22 Jul 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...

Streaming Sucks! Eliminating Expenses as Costs Creep Up #542

20 Jul 2022

Contributed by Lukas

We talk a lot about finding free stuff on the side of the road, in HTM parlance, curb alerts! It’s a great way to reduce waste and save money if you...

Living Life with the End in Mind with Jordan Grumet #541

18 Jul 2022

Contributed by Lukas

For a certain subset of HTM listeners, it might be easy to not see the forest for the trees. You might naturally be drawn to the finer details of pers...

Friday Flight - Concerts on Credit, Evaporating Assets, & Can You Afford Me Now? #540

15 Jul 2022

Contributed by Lukas

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of ...