How to Money show

How to Money

Summary: Best friends Joel and Matt believe that when you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living a rich life.

Podcasts:

 Affordable Used Cars & the Future of Office Life #207 | File Type: audio/mpeg | Duration: 1467

Friday episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to thrive. In this episode we cover a lot of interesting topics like Netflix cancelling subscriptions, the high price folks pay for delivery apps, and AI and customer service. We also spend some time on the most affordable used cars today and where you can buy them, as well as whether or not the work office is dead now that so many of us are working from home. And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

 Financial Advisors Aren't All Bad #206 | File Type: audio/mpeg | Duration: 2549

There are professionals who can help us in almost every aspect of our lives. In some cases it’s a slam dunk easy decision, but there are other times when we can, and should, handle it ourselves. The problem is knowing when to DIY it and when to call in the big guns, the professionals, in this case- the financial advisor. There are a lot of aspects of our personal finances that don’t require professional help. You don’t need a financial advisor to tell you that you need to start paying down your debt and get that employer match in your 401k. But there are some more complicated issues that might arise when it would make sense to hire a pro. Listen to this episode and see if you should be considering hiring a financial advisor or going it alone. During this episode we enjoyed a Catharsis by Treehouse Brewing- thanks to Bryan and Caitlin for donating this one to the show! And as we ramp up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

 Fighting to Give Consumers Leverage with Richard Cordray #205 | File Type: audio/mpeg | Duration: 3171

In this episode we have the honor of speaking with Richard Cordray, who served for six years as the first Director of the Consumer Financial Protection Bureau, or CFPB. Since his time at the CFPB, he has written a book, WATCHDOG: How Protecting Consumers Can Save Our Families, Our Economy, and Our Democracy. In his book, Richard shares stories of individual consumers in order to show how the Bureau quickly became a powerful force for good. WATCHDOG tells a hopeful story of how our system can be reformed by putting government back on the side of the people. And we don’t just stop at government help, we also dive into how we as individual consumers can take steps to remain vigilant, especially during this modern pandemic. During this episode we enjoyed a Von Pilsner by Crooked Stave- thanks to our friends at the brewery for donating this one to the show! And as we have ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

 Changing Healthcare Plans & Graduating in the Middle of a Pandemic #204 | File Type: audio/mpeg | Duration: 1747

Friday episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to thrive. In this episode we cover a lot of good news we’ve come across in the past week. We also address how you might have the option to make changes to your health care coverage, how your credit score might drop due to the deferment of federal student loans, appealing for more student aid, and some benefits of graduating during a pandemic. And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

 Career Pivoting in a Changing Economy #203 | File Type: audio/mpeg | Duration: 2726

Change can be a little frightening, but it’s the only constant. Our entire economy has seen a massive change- industries that were in slow decline are now quickly accelerating towards obsolescence, and we’re seeing other industries that were fairly new and unproven showing explosive growth. There is a good chance you have experienced some changes at work, and so whether you like it or not a career pivot might be on the horizon for you. In this episode, we’ll talk about what these pivots could look like, as well as how you can make these changes successfully. During this episode we enjoyed a Twisted Galaxy by Toppling Goliath Brewing- thanks to Joe for donating this one to the show! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

 Ask HTM - Timing a Roth IRA Conversion, Attacking Debt or Saving for Retirement, and Budgeting for Housing Expenses #202 | File Type: audio/mpeg | Duration: 2568

We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/ 1 - Is now a good time to make a Roth IRA conversion? 2 - I’m in my mid-30s, should I focus on paying down debt or investing more towards retirement? 3 - Should I sell some stocks that I’ve purchased via my employer’s ESPP? 4 - How much should I be budgeting for housing repairs and rental vacancy? 5 - Coming off a gap year, what financial tips do you guys have for me as I begin medical school? During this episode we enjoyed a Dankbot by Insight Brewing- thanks to Joe for donating this one to the show! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

 Where to Look for a New Job & Is More Stimulus Money Coming? #201 | File Type: audio/mpeg | Duration: 1557

Friday episodes are all about the effects of Covid-19 on your personal finances. There’s a lot of news and information out there, but we are distilling it down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also address how spending is up home improvement, whether there is more stimulus money heading our way, and where to look for new jobs. And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

 Investing In a Volatile Market #200 | File Type: audio/mpeg | Duration: 2554

Why is it that when a consumer item like a new phone is on sale, we pounce, but when the stock market is on sale, we run? Buying and holding are both far more difficult to do in a volatile market for most investors. And when we see terms like ‘bear market’ and ‘recession’ in the headlines, it makes it even harder for many of us to continue to invest. But what is important to remember is that buying into this market volatility is the source of future returns. The overall American stock market has returned roughly 9.7% over the past 90 years. And those 90 years have included difficult events like wars, depressions, deflation, and various politicians. So while it might feel a lot safer to not invest at all, know that American capitalism has continued to produce results for decades on end despite real challenges. Investing in an economic tailspin, although it feels a bit counterintuitive, is the best thing you could be doing over the long-term. During this episode we enjoyed an Athena Paradiso by Creature Comforts! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

 Where to Turn for Debt and Budget Help with Thomas Nitzsche #199 | File Type: audio/mpeg | Duration: 3227

In his early 20s, Thomas Nitzche found himself in loads of debt. Like so many folks, he didn’t learn how credit cards really worked, and so the charges began to add up, and before he knew it he had an overwhelming balance that he could barely make minimum payments on. Couple that consumer spending with student loans, a car payment, a mortgage, and the final kicker- getting laid off and losing his income. Thomas found himself in a really stressful spot, but he was able to move from a place of desperation to using his experiences to help others. He now works for Money Management International, which is the largest provider of nonprofit financial counseling and education in the United States. He’s all about conversations around money and destigmatizing debt, and so that’s what we’ve tackled in this episode. During this episode we enjoyed an Experimental IPA Vol 13, by Easy Chair Brewing Garage- thanks to our friend Jess for brewing this one up and donating it to the show! And as we ramp up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

 Frugality is Cool Again and Bike Riding Surges #198 | File Type: audio/mpeg | Duration: 1929

Friday episodes are all about the effects of Covid-19 on your personal finances. There’s a lot of news and information out there, but we are distilling it down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also address the surge in bicycle riding as well as the likelihood of all of us to become more frugal, due to the coronavirus. And as we ramp up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

 Battling Money Anxiety #197 | File Type: audio/mpeg | Duration: 2498

Money anxiety is something we have all experienced in one way or another. Whether it’s student loans, trying to save up enough for a car, or even having enough money to make it to the end of the month- this stress is a very real thing. Covid-19 and its effects on our economy and our jobs have only exacerbated the issue. According to a recent Qualtrics report, 67% of people say they have higher levels of stress since the beginning of the health crisis. And money anxiety doesn’t just plague low-income earners. More personal stories and accounts have been shared in recent years of “rich” people willing to admit their own money anxieties: individuals making $100k or more are just as susceptible to living paycheck to paycheck. So in this episode we dive into some of the symptoms of money anxiety and then we recommend some practical steps we could all implement into our lives to reduce the amount of stress surrounding our personal finances. During this episode we enjoyed a Sour Opal by Firestone Walker- thanks to our friend Josh for donating it to the show! And as we ramp up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

 Ask HTM - Ditching a Crappy High-Paying Job, Student Loan Refinancing, and Investing with Fundrise #196 | File Type: audio/mpeg | Duration: 2191

We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/ 1 - I really like investing via Fundrise, but should I be maxing out my Roth IRA first? 2 - Bad news: I’ve recently lost my job. Good news: I just sold my house and got married! What should I do with the money from the sale of my home? 3 - Should I take advantage of super low interest rates and refinance my student loans? 4 - I have a high-paying, but soul-sucking job. Should I pursue a position that pays much less but will yield many other intangible benefits? 5 - Is there a middle ground investment vehicle? I’m looking for something that isn’t too conservative, but something that is also not too risky. During this episode we enjoyed a Fog of War by Easy Chair Brewing Garage- thanks to our friend Jess for donating this one to the show! And as we ramp up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

 Credit Card Companies Cutting Limits and Postponing Mortgage Payments #195 | File Type: audio/mpeg | Duration: 1870

Friday episodes are all about the effects of Covid-19 on your personal finances. There’s a lot of news and information out there, but we are distilling it down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also address some of the impending changes to credit card limits as well as mortgage forbearance. And as we ramp up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

 To Refi or Not to Refi? #194 (Bestie Ep) | File Type: audio/mpeg | Duration: 2382

With the Great Lockdown continuing to take its toll on the economy, mortgage rates are at near all-time lows so now is a great time to consider refinancing. Pouncing on these lower rates can lower our monthly mortgage payment, allowing us to free up some money that was being funneled towards housing. But what else should we consider? Are you a good candidate for a refinance? And then on top of that there are also costs involved in refinancing that can make it prohibitive. In this episode we discuss what you need to consider, some great reasons to refi, and how to make sure you are refinancing effectively. During this episode we enjoyed an Old Tuffy by New Belgium- a big thanks to Maggy for donating this beer to the show this week! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you. Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

 Couple’s Finances and Weathering Financial Storms with Farnoosh Torabi #193 | File Type: audio/mpeg | Duration: 3587

Our guest on this episode is personal finance expert Farnoosh Torabi who has transformed what most would consider setbacks, into the very things that drive her forward. She found herself living in NYC at the age of 22 with over $30k in debt, but it was through the process of climbing out of debt that Farnoosh realized her desire to help others with their money. She has done it all, from reporting for Money Magazine, to hosting her own podcast, to writing multiple books including ‘Psych Yourself Rich’ & her latest bestseller ‘When She Makes More’. We’re excited to talk with Farnoosh about couples and all things related to money, but in particular how personal finance is so much more than just understanding the nuts and bolts. During this episode we enjoyed Petite Sour Raspberry by Crooked Stave- thanks to our friends there at the brewery! And as we ramp up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

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