How to Money

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 love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Pet insurance: As I’m expecting some big vet expenses, should I continue to pay for insurance for my dog? 2 - Roth vs 529: Should we save for our son’s college in a Roth since it gives us more flexibility? 3 - HSA: Can I backfill my health savings account to invest, after I pay for an expensive medical procedure? 4 - Cashless kid: What’s the best way for my 14 year old to pay for expenses while at a cashless summer camp? 5 - 0% balance transfer: Are there good balance transfer cards that have good cashback as well? Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor During this episode we enjoyed a Grapefruit Substance by Bissell Brothers! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Insurgent I-bondsSmall business swipe feesCredit card limits loweredTrendy tiny homesSmaller homes in walkable communitiesRecurring handyman subscription feesMillennial early retirementCutting back on the big 3AI financial advisorsChat privacy risksWhy the AI hate? Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

Most of us think of college as an investment… one that hopefully pays off over decades. And for a lot of people, it does. But with costs skyrocketing, it’s not quite the slam dunk it used to be. So what if you could flip that equation? What if instead of paying for college, college paid you? Our guest today did exactly that. Nia Baiyeroju earned over a million dollars in scholarships and now she’s helping others do the same. She’s here to break down how it works and how you can take advantage of the estimated $100 billion in available funds. We specifically discuss: Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: Nia: on her siteallthesocialsCredit card perks: our favorite credit cardsMoney Gears:what to do with your moneyNewsletter:HTM newsletterOther money nerds:HTM Facebook group! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

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 love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Kid IRAs: How do I go about setting up a Roth IRA for a minor? 2 - Advisor fees: By my math, most folks are paying closer to 20-25% for financial advice! 3 - Pension credits: Should I spend $50,000 to purchase teacher service credits in order to boost my pension? 4 - US Mobile: I’m considering switching to the new Starlink home internet… good idea? 5 - Rent vs own: Why don’t y’all ever talk about the nightmares associated with renting?! Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor During this episode we enjoyed a Whippersnapper by Two Tides Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Secondhand techCities with all the jobsMistaken starting salariesSlow state of play in the housing marketCrypto-backed mortgagesCommuting “literally breaking me”Biking actually is an alternativeSelf-inflicted inflationEnergy bills on the riseMore borrowing to get by Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

The vast majority of HTM listeners are Gen Z and Millennials - people who are starting early and taking the bull by the horns. But that’s not true for everyone in our audience, and it’s certainly not true for the average American. Our guest today didn’t even start thinking about financial independence until age 50. But he made up for lost time in a big way and now he’s helping thousands of other late starters do the same. Bill Yount is an emergency room physician on a mission to help people escape the rat race, live more balanced lives, and reclaim their time. His podcast, Catching Up to FI, is packed with practical wisdom for anyone who feels like they’re late to the game. Today we discuss: Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: Bill: Catching Up To FIJackie Cummings KoskiCredit card perks: our favorite credit cardsMoney Gears:what to do with your moneyNewsletter:HTM newsletterOther money nerds:HTM Facebook group! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

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 love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Coast FI: How intentionally should I shift my retirement portfolio to bonds if I’m nearing financial independence? 2 - Credit card bonuses: Does it make much sense for me to budget and track the thousands I receive in rewards? 3 - Trusts: Should we prioritize setting up a trust now that we have a young child? 4 - Rx sunglasses: Where can I get affordable Rx sunglasses that I won’t be afraid to lose? 5 - HELOC: What makes one HELOC better than another? Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor During this episode we enjoyed a Dream Operator by Piedmont Brewery! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Negative car equityA car loan opportunity cost breakdownVOO the GOATFlipping fleece jacketsRecycled ragsSlow shippers savingSpending more to live longerOutliving your moneyBabies or bougieEV sales are upSayonara SpiritLetsBuySpiritAir.com Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

Shark attacks, plane crashes, and lightning strikes… these are the dramatic and headline-grabbing events that are terrifying but incredibly rare. The odds you’ll ever experience those unfortunate events are tiny, so is it technically risky? Meanwhile, something as ordinary as driving to work should be considered more often since in the US, there are 6 million car accidents a year! When you start looking closely, risk and reward show up everywhere in our lives. And for investors especially, understanding the REAL risks we face, not the ones that dominate headlines, is essential to building a strategy that truly works. Our guest today has made it his mission to bring common sense back to finance. Ben Carlson is the Director of Institutional Asset Management at Ritholtz Wealth Management, where he focuses on managing portfolios for institutions and individuals. He is the creator of the widely read blog A Wealth of Common Sense and the author of several books on investing, including his new release, Risk and Reward. Today we discuss: Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: Ben: Risk & Reward: How to handle market volatility and build long-term wealth.Cashback credit cards: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

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 love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Debt-fueled lifestyle inflation: Should I sell a rental property to pay off my 401k loan used to install a pool? 2 - Car financing: Does it make more sense to pay for a new/used car in cash or make payments and invest the difference? 3 - Military service/VA loans: What are the pros and cons of going with a VA loan for a new home we’d like to purchase? 4 - 403b: Leave it, transfer it, roll it, or convert it? (or maybe even BOP it?!... Capitalize could be a part of the solution) 5 - 529 plans: How should I sort through all the options available?! (Virginia's direct-sold site is Invest529.com) Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor During this episode we enjoyed a DDH Cosmik Debris by Creature Comforts… thanks for donating this one to the pod Nick! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: 3-year bachelor’s degreesdegree hackingPrivate student loans around 3%Insurance premium factorsPredictive credit scoresAPR reduction scamsPhishing for zoomersWork perk pruningSwapping iPhones for icedreamsCombatting food wastePre-gaming to avoid high priced booze$50 movie tixBooking on a Tuesday! Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

Most of our best memories (and stories) come from trips we’ve taken. Some were incredible international adventures while others were ridiculously cheap road trips across different parts of the U.S. It’s been said that travel is the only thing you buy that makes you richer, and we’re inclined to agree. Our guest today does too. Kyle Potter is the Executive Editor at Thrifty Traveler, a site dedicated to helping people travel more for less. He’s been to more than 30 countries, and his passion is helping people navigate the confusing world of airlines, travel points, and miles. We don’t even want to know how many miles Kyle’s got sitting around, but we do know he’s willing to spend a few of them on a nice bottle of champagne from time to time. Today we discuss: Roundtrip tickets to Dublin for $134 Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: Cashback credit cards: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

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 love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Torn: We’re behind when it comes to investing but it seems silly when we don’t have enough liquid savings… what do we do?! 2 - Pension: How aggressively should I invest my Roth IRA dollars when I have a safe pension to fall back on? 3 - Mortgage recast: What’s a good rule of thumb when I’m considering recasting my mortgage to shrink my monthly payment? 4 - Social Security: Why do y’all always say to delay and wait to draw on Social Security? 5 - Work-provided insurance: Should I pay extra for accidental death and dismemberment insurance or stick with the free option? Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor During this episode we enjoyed a Comeback Sauce by Creature Comforts and Edmund’s Oast… thanks for donating this one to the pod Nick! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Allbirds AI audacityReturns that are too good to be trueOne more year syndromeALTs in 401ksBoycotting college savings529 flexibilityHorrible HELOCsPreparing for property taxes increasesour review of OwnwellGen Z meets credit cardsWSJ finally understanding the ‘craft beer equivalent’BNPL at CoachellaThe annoyance economy Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

The housing market is currently at a massive crossroads, and frankly, the old rules don't seem to apply anymore. We’re seeing a landscape of shifting interest rates, a potential reset in supply, and a level of volatility we haven't seen in decades. That’s exactly why we're going to hear from Dave Meyer - the Chief Investment Officer at BiggerPockets and a grounding voice in real estate data. We’re going to dig into the forces shaping the market right now in 2026, and then zoom out to look at the bigger trends that could influence how we buy homes in the years ahead... both as individuals and as investors. Today we discuss: Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: Dave: The Real Estate PodcastOn the MarketInstaCashback credit cards: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

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 love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Financial advisors: What’s a good price for a financial advisor and is it worth the cost? 2 - Paying for a minivan: Should I pay cash or take the 1.9% loan they’re offering? 3 - Set for life: Why aren’t y’all talking about the Trump accounts to supercharge your kids retirement accounts? 4 - eSIM: Is this the best option for travel abroad and where should I get one? Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor During this episode we enjoyed a Satisfied by Piedmont Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Stocks at all-time highsBag fees and fuel surchargesSurging HOA feesThis old houseSpending those tax refundsYou’re owed some moneyUnclaimed.orgMissingMoney.comDon’t be a victimDegree doubtsFree degreesUpper-middle class ascendencyTough times for rideshareLife insurance in the back of a LyftLife Insurance: A Step By Step Guide Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

Let's talk about Social Security. More than music, clothing, or even political views, Social Security might be the single biggest generational fault line in America right now. Boomers are thrilled to finally be collecting on a promise decades in the making while Millennials and Gen Z are quietly wondering if there'll be anything left by the time we get there. And honestly? That concern isn't crazy! Social Security almost certainly isn't going away entirely, but it's probably not going to look exactly the same as it does today either. Mike Piper, CPA and Social Security expert, joins the show today to explore the future of Social Security, optimal claiming strategies, and how to plan for retirement amid uncertain benefits. Specifically covered: Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: Mike Piper:Oblivious InvestorOpen Social SecurityCredit card perks: our favorite credit cardsMoney Gears:what to do with your moneyNewsletter:HTM newsletterOther money nerds:HTM Facebook group! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

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 love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Free Fidelity Funds: Are they the “cheap” option or a great way to get wealthy?! 2 - 3% Cashback: Will paying for a Robinhood Gold membership allow me to get my hands on the Gold credit card? 3 - Rising Insurance Premiums: What’s the deal with opting for higher deductibles for lower premiums? 4 - Social (in)Security: Why don’t lawmakers raise the income cap in order to help keep the trust fund solvent? 5 - PTO Cash-Out: Should I cash-out my paid time off to pay off our house sooner, or actually kick back a little more? Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor During this episode we enjoyed a Soft Static by Inner Voice! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

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 love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - How should I account for inflation when using the 25x rule to forecast my retirement? 2 - Are sites like RateGenius and Autopay legit places to refinance my car? 3 - I have the cash on hand to build an Accessory Dwelling Unit (ADU), but should I use a construction loan instead? 4 - Should I stick $6,500 into a Roth IRA, a Health Savings Account, or a 457b? 5 - Listener win: reaching out directly to a company resulted in cash in my mailbox! Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: our favorite credit cardsOther money nerds:HTM Facebook group!Newsletter:HTM newsletterMoney Gears:what to do with your moneyMG7:HowToMoney.com/Advisor And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.