How to Money

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 for you to submit your own via HowToMoney.com/ask/ , send us your voice memo! 1 - How should we budget for a bi-weekly paycheck? 2 - Should I give unsolicited investing advice to my brother-in-law? 3 - Since I’m building up my net worth, should I increase my liability car insurance limits? 4 - Are I Bonds a good idea? (pronounced ‘eye’ bonds!) 5 - 15 or 30 year mortgages: which should I refinance to? And what are your thoughts on flipping houses? During this episode we enjoyed a Seeing Green by Civil Society 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! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: Costco mortgages, how you can raid our bookshelf, Advance Child Tax Credit, car rental gift card scams, high earners living paycheck to paycheck, reverse cord-cutting, investing (in) teenagers, more Zillow Offers, putting rent on a credit card, & keeping banks from closing your credit card. 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. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Most everyone out there has heard of lifestyle creep, also known as lifestyle inflation. We define this phenomenon as the unconscious upgrading of our lifestyle and standard of living which ends up costing us more and more money. And aside from the ability of lifestyle creep to sneak up on us, one of the other dangers is that it is often difficult to turn back the clock and downgrade our standard of living! So we’re asking the question today- is lifestyle creep inevitable? In this episode we discuss some widespread examples of lifestyle creep in our society, why it happens, and how we can thwart lifestyle creep from derailing our personal finances. During this episode we enjoyed a Hobnail by Urban Artifact Brewing- thanks Sondra for donating this one to the podcast! 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! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Michelle Singletary is an award winning personal finance columnist for The Washington Post. She’s also a frequent contributor to NPR and she has also appeared on NBC’s “Today Show” and CBS’ “The Early Show.” Michelle has written multiple books on personal finance and her latest book, “What To Do With Your Money When Crisis Hits,” was just published last month. Not only is it an incredible resource for folks who find themselves in difficult times, but it’s also chock-full of practical money advice to implement even during the best of times. It’s the kind of advice that your grandma would approve of! Listen as we get to talk with Michelle Singletary today and as we learn more about her book. During this episode we enjoyed a Squeezebox by Urban Artifact Brewing- thanks Sondra for donating this one to the podcast! 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! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: micro weddings are here to stay, The Great Resignation, increased employee benefits, acquiring new skills, solid 529 plans, parent PLUS loans are the worst, making millions from speed cameras, vehicles are lasting longer, spending more money on restaurants than groceries, and the best credit card sign-up bonus. 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. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

During today’s episode we’re going to explain how you need more financial stress in your life!.. Well, not quite, but we do think that the proper amount of stress in our lives can be helpful in achieving the money goals we’re pursuing. All things in moderation though- just like you want to avoid having too much of a good thing, we obviously want to avoid overwhelming stress in our lives. But the thing is, it’s oftentimes not even the stress itself that is bringing us down, but the negative coping mechanisms and habits that we turn to that can be the most destructive, and that can cost us the most. We believe that by reframing how you view stress and by putting it in the proper light, you can use financial stress to your advantage. Listen and we’ll explain how! During this episode we enjoyed a Coconut Stout by Easy Chair Brewing Garage- thanks to Jess for donating this one to the podcast! 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! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

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 for you to submit your own via HowToMoney.com/ask/ , send us your voice memo! 1 - Where do I put money for the next 3-6 years for a home purchase? 2 - What should I keep in mind as I’m considering becoming a financial counselor? 3 - Will our teenager need to file taxes for his summer job? 4 - Can I use my credit card as an emergency fund so I can invest my savings? 5 - What’s the best investment account for teaching kids about saving and investing? During this episode we enjoyed a Peach Seltzer by Easy Chair Brewing Garage- thanks to Jess for donating this one to the podcast! 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! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: renting vs buying, actual cost of homeownership, inflation is surging, shrinkflation, post-pandemic spending sprees, how your 401(k) balance isn’t all yours, crypto in retirement accounts, free fancy phones, & Ally dropping overdraft fees. 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. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

For most financially responsible parents out there, it’s not a question of if they should be saving for their kid’s college, but how much. Oftentimes parents are wondering how much they need to save in order to be performing their proper parental duty. But we’re taking a more counter cultural stance and are asking the question: should you be saving for college at all? We’re all about thinking in advance and ensuring that we’re properly saving and investing our money, but for a lot of folks, the answer is that they shouldn’t be putting any money towards their child’s future college expenses. Listen as we discuss the benefits of not saving for your kids college, when you can actually start putting funds away in a college fund, and then ways you can go about it properly. During this episode we enjoyed a Coconut Stout by Easy Chair Brewing Garage- thanks to Jess for donating this one to the podcast! 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! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

For this episode we sit down for a great conversation with Philip Olson and Julia Lorenz-Olson. As a newly married couple, they transitioned from theatre kids fresh out of college, to money experts as Philip and Julia now own their own financial planning firm in Austin Texas. They also host the PBS YouTube channel Two Cents, where they tackle various personal finance topics ranging from ‘How Cars Keep You Poor’, to ‘Retiring in Your 30s’. Julia and Philip are able to channel their passion for acting and production into videos that inform and illustrate these money concepts in ways that are completely relatable- they make personal finance entertaining and easy to understand! Listen for how they got started in personal finance, why they started creating YouTube videos, and why everyone needs more empathy when it comes to financial planning. During this episode we enjoyed a Big Le-Stout-ski by Bhramari 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! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: dumb fees on prepaid debit cards, avoiding rising auto insurance rates, fixing vs replacing your car, preparing for student loans this fall, and what’s a better gift: stocks or flowers? And then after the break, Jon Acuff joins us to talk about how he once bought a package of 48 haircuts in order to save money. We get serious though and quickly discuss his new book, “Soundtracks: The Surprising Solution to Overthinking” where we cover the difference between overthinking and being prepared, how to determine if we have soundtracks that are keeping us from attaining our goals, and overcoming imposter syndrome. 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. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Who are you trusting with your money? We’ve all received some crappy advice at some point in our lives, but when it comes to our personal finances we need to make sure that we’re listening to the right folks. One of the reasons it can be so difficult today is due to social media and entertainment- there are a lot of self-appointed “experts” these days and it can be difficult to tell the difference between sound financial advice and an account or a show that’s meant to just amuse you. For most folks, it might be easier to sniff out a blatant scam where someone is out to swindle you. But potentially even more dangerous- what about the instances of friends or family members who think they’re giving us good advice? Those are situations where they probably have good intentions, but it’s just not the right advice for you. We run the gamut between headlines and social media to financial advisors, and we also discuss how you can determine if the advice you’re hearing is right for you. During this episode we enjoyed a Return of the Tripping Dead by Tripping Animals! 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! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

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 for you to submit your own via HowToMoney.com/ask/ , send us your voice memo! 1 - Can I get a mortgage with a low credit score? 2 - Should I borrow from my 401k? 3 - After getting off to a late start to investing, should I focus on investing for retirement or buying a condo? 4 - Should I pay for healthcare I don’t need in order to invest within a Health Savings Account? 5 - Why don’t you guys invest in international funds? During this episode we enjoyed a Barrel Farm Bend #2 by Monday Night 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! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

It's time for a Friday Flight! These episodes are all about the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to continue to make smart money moves. In this episode we cover some interesting and helpful stories like: more state vax cash incentives, small businesses on Google, right to repair laws, planned obsolescence, Americans like filing their taxes, more millionaires than ever, turning a profit on your wedding, choosing between WFH or getting a raise, pandemic unemployment assistance is phasing out, & the worst way to travel. 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. Have an awesome weekend! Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

If you were faced with a financial emergency, how would you respond? Imagine you just found out that today was your last day at work and you had no other income- do you know how you would cut back in order to get by? That might be a terrible scenario to envision, but we believe that having a bare bones budget in your back pocket is necessary as it can be powerful in case of a financial emergency. It’s all about keeping your needs and cutting your wants in order to prevent you from relying on debt or making other ill-advised financial moves. During this episode we discuss what you should include in your own bare bones budget, as well as the additional benefits that accompany thinking through some of the worst case money scenarios that you might encounter. During this episode we enjoyed an Ethereal Vibrations by Monday Night 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! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com