How to Money

How amazing is it that we live in a world where there are so many ‘free’ things all around us? And how unfortunate is it, that we don’t even see these ‘free’ resources because we’re so used to purchasing and consumption- we don’t even think to make use of them. Our technology and culture steers us in the direction to spend. Chances are there are times when we're not taking advantage of this ‘free’ stuff and we're overspending because maybe we haven’t thought about it recently or there are some things you’re not even aware of yet. Putting these resources to use will make us smarter, save us money, and will overall lead to a healthier and more balanced life. During this episode we shared a Sticky Hands IPA by Block 15 Brewing Company which you can find and learn all about on Untappd. A special thanks to Dale in Portland for bringing down this IPA for us to have on the show (even after our Atlanta United gave his team a walloping at the MLS Cup)! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you. Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

There are secondary costs associated with almost all purchases that we make in our lives. It’s important to consider all of these additional costs that tag along when making purchases, and not just the initial sticker price. In this episode we explain how there are hard secondary costs and then how there are soft or lifestyle secondary costs which are similar to lifestyle creep. And then finally, we go over some helpful and specific tips to remember when making purchases or financial decisions. Keeping all this in mind will help us to manage our money better, specifically when it comes to our spending because everything really does cost more than you think. During this episode we enjoyed a Pretty Willie’s Imperial Stout by Against the Grain which you can find and learn all about on Untappd. And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you. Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Money oftentimes feels like a topic that is off-limits when it comes to discussions you have with your friends. Is it because it’s too personal? Maybe you feel it’s none of your business? A big part of why we started How to Money is because we feel that money conversations need to happen more often. Talking about money shines a light on it and brings about awareness, which can ultimately lead to improvement as we all have room to grow. Listen as we discuss some of the major ways you’re likely missing out if you’re not talking about money. And then we wrap it up with some practical tips that can help you when it comes to striking up a money conversation with your friends and family. During this episode we enjoyed a Zoose Joose by Westbrook and Angry Chair which you can find and learn all about on Untappd. And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Buying new stuff makes us happy, right? Yeah for a minute, but you may have noticed how quickly you get used to all that new stuff! Hedonic adaptation, or the hedonic treadmill, helps us understand the effect of consumption. Coming to grips with that can help us end unhealthy cycles of mindless consumerism and set us on a path to a healthier way of thinking about money, spending, and saving for the future. Listen to the full episode to learn how hedonic adaptation can be terrible, how it can actually be a good thing, and then finally to learn how to hack it and truly control how happy you really are. During this episode we enjoyed a Mangifera Flux by Marz Community Brewing which you can find and learn all about on Untappd. A huge thanks to our buddy Andrew for bringing this beer all the way back from Chicago. And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Shopping and overspending dominates the holiday season, and we want to make sure you’re not rolling into the new year with that holiday shopping hangover. Honestly, how much more stuff do we really need?! Consumers are expected to spend over 1 trillion dollars during this Christmas shopping season. It’s unfortunate how much emphasis is placed on high ticket gifts to supposedly prove how much you care. Listen as we cover some overall strategies that will help you become a better gift giver, how communication with friends and family is so important, and then we dive into some specific tips that will help keep you from overspending this season. And during this episode we enjoyed a Narwhal Imperial Stout by Sierra Nevada which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

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You’ve gone through all the hard work of saving your money for a down payment, you’ve spent countless hours searching for the right investment property, and now it’s time to find the right tenant! It can be pretty tempting to cut some corners on that last step, but the type of tenant who signs your lease can be the difference between that rental being a blessing or a curse. The good news is that as a landlord, it’s much easier than you think it is to take the right steps to ensure that you do a proper job screening applicants. And even if you’re a renter you might find this episode particularly helpful as you try to snag that next place that you call home for the next 12-24 months! And during this episode we enjoyed a Raspberry Johnny Cashmere by Variant Brewing Company which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Nobody ever wants to be called cheap- it’s an insult and brings all sorts of negative connotations with it. However, being frugal is a badge of honor and something worth striving towards. There is a temptation to become cheap when you are looking to get your finances in order, but instead we would encourage frugality over being a cheapskate. In this episode we break down the differences between the two as well as share some stories from when we’ve attempted to be frugal but it ended with us being cheap! In our lives, we’ve found it’s pretty dang hard to label something as cheap vs. frugal because one person’s ‘cheap’ is another’s ‘frugal’. That’s why we discuss our 5 principles or guidelines that will help you determine: are you frugal or are you cheap? And during this episode we enjoyed a Stiegl Grapefruit Radler which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts! For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Over half of Americans don’t have a will- and this is a huge problem. You might think you don’t really need a will, but if you have any assets, a spouse, or kids you most definitely do. Wills aren’t just for old people! Most often people feel that they can always put it off until a little bit later, but the best time to go ahead and create a will is right now. It can be an unsettling topic as most folks don’t enjoy talking about their mortality, but having the peace of mind in knowing that your children and assets are in the right hands after your untimely death is worth any short term discomfort. In this episode we cover the big reasons why you need to have a will, why you likely don’t need a lawyer involved, and how to create a will for free. And during this episode we enjoyed a Sweet Leilani by Cherry Street Brewing which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts! For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Imagine that you have a well paying job but otherwise it sucks and you wish you could leave. And now imagine that an amazing opportunity comes along for you to start your dream business- that thing you’ve always wanted to do, but the problem is that you know you won’t be able to pay yourself for a solid year. What you need is peace out money to keep you afloat! Or maybe some family or health issues have come up and you want to be able to spend time with family, or maybe you just want to take some time off and road trip it for 6 months. Either way, the answer is peace out money! We’re defining this as having enough money on hand to leave situations or jobs where you could technically stay, but you’re choosing not to because you’d rather do something else. You have that peace out money to bridge you to the next job or opportunity that you really want to pursue. Listen to the full episode to hear the additional benefits of peace out money, how it's different than reaching financial independence, and then finally the steps you can take to make sure you have your own peace out money set and ready for when you need it. And during this episode we enjoyed a 2014 Oud Bruin by yEast Atlanta Brewers which you can find and learn all about on Untappd. A big thanks to our friend John for brewing, aging, and donating this beer! If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts! For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Most folks are paying more than twice as much as they need to for cell phone service! The biggest reason for that is because they haven't shopped around- they're blindly paying the overpriced plans from 5 years ago. The average monthly cell phone bill is $73 and by the end of this episode, you’ll know how to get that down drastically- closer to the $25 per month mark which is the new golden standard. Plus, you’ll be able to do that without having to be on a massive friends and family plan like we are (seriously, it’s like we’re playing a game of sardines!). And during this episode we enjoyed a Zarza Marrón by Casa Agria Specialty Ales which you can find and learn all about on Untappd. A big thanks to our friend Josh for trekking this beer all the way to Atlanta. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts! For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

The newest iPhones that were just released are anywhere from $1,000 to $1,500 - that is a ton of money!!! With all the different functions and duties that our smartphones are able to perform, it’s no surprise that the prices are continuing to climb but don't pay full price! Regardless if you’re getting the latest and greatest iPhone release, or if you’re buying last year’s Moto, you want to be getting a deal. In this episode we cover a bunch of different ways to save on your phone upgrade including where and when to buy, how to easily reset your phone of personal information before selling it, and some alternatives to getting a new phone altogether! And at the beginning of this episode we enjoyed a French Oak Saison by New Belgium which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts! For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

After the Equifax data breach where 148 million people’s personal information was compromised, it's especially easy to see how vulnerable we are as consumers. So now more than ever, is the time to freeze your credit! A new federal law has made it completely free to freeze and thaw your credit, so you don't have any more excuses. In this episode we talk about why this is so important, we cover what a freeze does (and what it doesn't do), and then we tell you exactly how to do it. Seriously it's so incredibly easy that it shouldn't take you more than about 5 minutes from start to finish! And at the beginning of this episode we enjoyed a Focal Banger by the Alchemist which you can find and learn all about on Untappd. A huge thanks to our friend and pastor Matthew for donating this beer and supporting the show! If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts! For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

You feel rich! The stock market is up and you might be wondering if now is the time to sell. Even if you don’t keep up with any financial news, you’ve likely heard how we’re in the longest running, bull market in US history. Your investment portfolio is looking pretty fat because you’ve purchased low and now it’s time to sell high- that’s how the old adage goes right? Or at the very least maybe you shouldn’t continue to invest because we’re at the peak, the top of the market, right? But then there is this thing called dollar cost averaging that you know deep down, is probably what you should be doing. Listen as we break it all down and discuss whether or not you should time the stock market. And at the beginning of this episode we enjoyed an Über Quench'l by Heist Brewery which you can find and learn all about on Untappd. A huge thanks to Kevin in North Carolina for donating this beer and supporting the show! If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts! For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Let's talk about lesser known credit card benefits! Did you know that with a credit card you might already use, you have access to $600 worth of cell phone insurance that is already baked into the card? Or that some credit cards will reimburse you up to $500 if something you purchased drops in price and you make a claim within 90 days? There are countless hidden benefits that credit cards offer- and you need to know they even exist before you can benefit from them so be sure to have a listen! And at the beginning of this episode we enjoyed a Thunder Thief by Atlanta Brewing Company (formerly Red Brick Brewing) which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts! For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com