How To Money

Joel chats things up on this new bankrate survey finds that folks are willing to go into debt, just  to have fun. He explains how an echo housing boom finds the costs of home ownership going up - even if you bought just a few years ago. Joel dives into gambling and how much Americans are wasting their money by doing so. Joel takes caller’s calls where he breaks down the differences between bankrup...

Joel gets into retirement and how much one needs to do so, comfortably and the anxiety it creates when dealing with the amount they need to do so. Joel answer caller’s questions surrounding a transfer of savings account onto an online banking account, AT&T’s hacking  & the aftermath of the breach. He touches on how much money should you keep in checking vs savings accounts. He talks about...

Joel dives into the groundbreaking world of cashier-less Amazon grocery stores and the new legislation aimed at reducing food waste in the US. He'll explore the benefits and drawbacks of mini-retirements and micro-investing, and take a listener's call on transitioning from a traditional IRA to a Roth IRA. Plus, we'll unpack the controversy surrounding a neobank's new line of credit product and deb...

Joel sounds the alarm: Tax Day is upon us. It's your last chance to get those taxes in order! He dives into maximizing your earnings by exploring new job opportunities and the impact of contributing to causes. Joel takes listener calls about the complexities of refinancing a cosigned student loan with Sallie Mae and break down the latest on student loan forgiveness strategies. See omnystudio.com/l...

Joel discusses the concerning trends in credit card debt, the implications of 'buy now, pay later' schemes, and the psychological burden of debt. He explores financial planning and inheritance questions with callers, addresses the impact of the national debt on individual investments, and provides insights on job changes for higher pay, avoiding airline baggage fees, and considering reverse mortga...

Joel discusses managing personal finances for long-term success, emphasizing small consistent decisions over quick wealth. He covers strategies for financial independence, challenges misconceptions about debt, and offers advice on investments and windfalls. Joel provides insights on financial management and avoiding negative biases from media. See omnystudio.com/listener for privacy information.

Joel gives the pros and cons to dialing workweeks back from five-days to four-days,  Trading in your vehicle and its negative equity, and realtors 6% commission elimination, PLUS, Joel talks with a real estate agent from Santa Barbara calling in about the National Association of Realtors lawsuit. See omnystudio.com/listener for privacy information.

Joel discusses how much we should be spending on vacation trips, landline services and its importance to the elderly, personal savings rates are not good in the U.S. Joel dives into if we should be paying off debt or just simply invest. Joel talks about removing the stigma of taking regular jobs and occupations. The Importance of trade programs in school and the job opportunities that come with it...

Dean Sharp, the House Whisperer joins Joel to discuss scam contracts with contractors and tips on how to hire the right one! Joel talks about average home sizes in America, their shrinkage and why that’s a great thing. Car privacy is being violated to many car drivers. Also, should medical debt be banned from credit reports? It could be on the horizon in California. See omnystudio.com/listener for...

Joel breaks chats about personal savings rates in the U.S. are down but things were already bad. Joel covers hanging investing companies, privacy actions for drivers, and reverse mortgages. Is it ok to rent forever, or is that un-American? German based market, Aldi is growing, will that  help lower grocery prices for all of us. Should you donate at checkout? Plus, how Investing is a bet on human i...

Joel talks about Bitcoin as it's going to the moon, but warns about being careful on going 'all-in' on crypto, as he details the many risks involved. He also discusses the various scams surrounding your tax refund and ensuring you have a PIN code to access it help keep your personal information safe.  Joel also discusses online reviews being bought and paid for, how you can tell the difference bet...

Joel talks about the current state of 'financial literacy' and how teachers are trying to change it, how ADUs are booming in SoCal but we're not doing enough to curb the high cost of housing, and whther or not renting or buying is what you should be focusing on right now. See omnystudio.com/listener for privacy information.

Joel talks about the rising costs of fast food and how it can cause many to stop eating out due to the price increase, the non-value of college degrees in today's world and t he wire fraud problem, how scammers can snatch a chunk of your money and what you can do to prevent it from happening. See omnystudio.com/listener for privacy information.

Joel talks about investing, how to invest an inheritance and grow those funds to help your retirement. See omnystudio.com/listener for privacy information.

Joel talks about why the 'stock picking' game in schools is such a bad idea, and talks about how most cars tend to sit idle 95-97% of the time. A caller suggests that parents and children should play Monopoly together because it can help kids learn about finance. Joel covers on how food costs are getting out of hand in America. But there's a LOT of things that can be done to combat rising prices o...

Joel mentions how many credit card bureau complaints are at an all-time high, Joel continues to talk about 401k leakage, a caller asks Joel what will happen to her retirement money when she passes away, Joel breaks down the difference between an LLC. and or Umbrella Agreement, Joel says why grit is the key to success with money, and breaks down a step by step guide about life insurence. See omnyst...

Joel talks on whether 401ks should be abolished and why some economists think its right to do so, Tony Robbins new investing book, how it It sucks and so do alternative investments, He goes on to talking about the various home security system out in the market and usually pricey but, it it doesn't have to be! Plus, Why CD rates might be at their apex. See omnystudio.com/listener for privacy inform...

Joel talks about shrinkflation and how it s happening, but should it be a top political priority is the real question, Fewer Americans are interested in retiring these days. But, is that a good or bad decision, the best MVNO carriers for cheaper cell phone bills and dupe destinations. Plus, how you can find a $1 timeshares! See omnystudio.com/listener for privacy information.

Joel talks about what "financial doomerism" is and how it's still an ongoing pervasive problem, but being an optimist could be a key essential on making progress. He also covers the continuing password sharing crackdown on streaming platforms, why managed investment accounts are unnecessary, how getting your paycheck early can put you in a vicious financial cycle, basic rules of credit cards and h...

Joel talks about the pros and cons of frugality and how it's a helpful tool but shouldn't be the only one in your toolbox when it comes to money management. He also covers how to lower your car insurance rates, why we're still dealing with shrinkflation, and breaks-down why you need a “bare bone budget” and what that means. Joel also offers advice about single stock investing and how it can be pai...

Joel talks about Elizabeth Warren pushing for an interest rate reduction and how that would probably NOT help the housing market much and how it determines whether or not you'll be buying a new home anytime soon, the dangers of sports betting when it comes to your overall finances, good news for renters who want to boost their credit score, when 'free' tax filing actually costs you money, so you s...

Joel talks to a caller about interest rates and whether she should wait to buy a new home in California or buy now and refinance when rates go down. More teens are working and getting paid more, and that's because they're willing to take a chance. Day trading can be tempting, but should you do it? Joel explains why it could be bad for your financial life. Frugality is important. But it falls short...

Joel talks about the stock market and predictions on the recession when it comes to economy and how the market has hit some all-time highs, and 'passive' investing has now surpassed 'active' investing Joel chats about the the CARS act could hold dealerships accountable for ridiculous fees and save consumers big bucks Joel gives feedback on a caller's question about her reinstated property she inhe...

Financial Infidelity, Joel talks about this issue when couples intentionally lie about money. When you deliberately choose not to tell the truth about your spending habits. Banks behaving badly. Capital One has two different savings accounts, one is great, the other, not so much, but it makes them money. Major investment houses like Vanguard and Schwab are predicting lower-than-average returns ove...

How avoid exorbitant overdraft fees. What is 'career cushioning?' Rent hikes are slowing down, Joel's personal story. How to save on prescription drugs and the new CARS rule. See omnystudio.com/listener for privacy information.