iHeartPodcasts

How to Money

Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living a rich life.

Author

iHeartPodcasts

Category

Business

Podcast website

www.howtomoney.com

Latest episode

Jul 10, 2026

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Episodes

Ask HTM - Renovating While Paying Off Student Loans, 529 Strategy For Immediate Use, & Popular Banks Get Downgraded #718 04.09.2023

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 much cash should I keep liquid as I’m looking to renovate my home and pay off student...

Friday Flight - Airfare-Booking Sweet Spot, Worthless Work, & 1% Down Mortgages #717 01.09.2023

Time for a Friday Flight- our sampling of the week’s 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: T-Mobile autopay workaround, flight-boo...

Avoid & Combat Crushing Medical Debt w/ Dr. Virgie #716 30.08.2023

Our guest today has a three step process that will ensure that you’re paying as little as possible for your medical care! This is good to know because the leading cause of personal bankruptcy is… you guessed it, medical bills! An estimated 100 million Americans have amassed nearly $200 billion in medical debt, and nearly 1 in 5 adults have medical debt in collections according to a study by the Jo...

Ask HTM - Side Hustle Seed Money, A Luxury Sports Car Splurge, & Early Access To Retirement Funds #715 28.08.2023

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 - Should I draw on my Thrift Savings Plan to use as seed money for my new business? 2 - What...

Friday Flight - TikTok Shop, Bitcoiners Beware, & Kitchen Appreciation Fees #714 25.08.2023

Time for a Friday Flight- our sampling of the week’s 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: AMC stockholder perks, kitchen apprecia...

Radical Money Advice for Couples w/ the RadCoaches #713 23.08.2023

Finances get a little more complicated when a significant other enters the equation. There might be additional income which is nice, but don’t forget about their debt, emotional baggage around money, and independent financial goals which hopefully become shared goals! There’s no right or wrong way to do it, and that’s why we’re excited to hear from a couple- the married duo behind RadCoaches, Rebe...

Ask HTM - Combining Our Finances, Dental Insurance Considerations, & When Whole Life Makes Sense #712 21.08.2023

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 - I’m considering getting dental insurance- is it worth it? 2 - Why should I invest when I’m...

Friday Flight - Pet Debt, Job Hopping, & Goldilocks Cash #711 18.08.2023

Time for a Friday Flight- our sampling of the week’s 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: gas prices on the rise, pet debt, iguan...

Small But Mighty Real Estate Investing w/ Chad Carson #710 16.08.2023

We’re stoked to be talking with our friend Chad Carson, aka Coach Carson, which is also where you can find him online: CoachCarson.com. We’ve known Chad for years now but just because this feels like a more casual conversation to us, that doesn’t mean that he’s not going to bring the heat! We tout the benefits of small-time real estate investing, but Chad has made it his mission , and it’s the foc...

Ask HTM - Medical Bill Negotiation Sites, Choosing Between a Car or House, & A Bike Commuter Frugal or Cheap #709 14.08.2023

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. Regardless of how random or bizarre you might think it is, we want to hear it!   1 - Should I pay off my car loan early or use that money for a down payment on a house? 2 - Is Good...

Friday Flight - Rusty Realtors, Insurance Issues, & Home Equity Expenditures #708 11.08.2023

Time for a Friday Flight- our sampling of the week’s 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: what lengths would you go for freebies,...

The Impending Student Loan Cliff #707 09.08.2023

If you’ve got a weird colored mole on your shoulder that’s getting bigger- you should probably visit a dermatologist ASAP! Most health issues are best addressed sooner rather than later and you’re not doing yourself any favors by prolonging the inevitable. In fact, because you’ve kicked the can down the road so many times you might actually be worse off! And the same is true when it comes to stude...

Ask HTM - Employer Matched Vacation Savings, Free Credit Card Cell Phone Insurance, & Assumable Mortgages #706 07.08.2023

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. Regardless of how random or bizarre you might think it is, we want to hear it!   1 - My mom bought me a single DRIP stock when I was a kid- should I sell or hang onto it? 2 - Can I...

Friday Flight - Sneaky BNPL Loans, Crowdfunding Kerfuffles, & America’s Credit Downgrade #705 04.08.2023

Time for a Friday Flight- our sampling of the week’s 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: free figs, asking for a discount, signi...

Wives & Money... Part V #704 02.08.2023

Emily and Kate are here to give you all the dirt! Not really, but they have graciously agreed to sit down with us, the dorky husbands, to help answer listener questions that we fielded from our Facebook group. Specifically during this episode we talk about expensive vacations, challenges we’ve faced having uprooted our families over the past year, shifting household roles with grad school, resolvi...

Free Family Travel w/ Lyn Mettler #703 31.07.2023

Traveling for free sounds like a lofty goal for most folks. Sure if you’re single or if you’re a DINK couple- but there’s no way you can pull that off with an entire family in tow! Well, it’s actually easier than you think and our guest, Lyn Mettler, is here to explain how. Lyn is a long-time travel journalist who has been featured on the Today Show and US News & World Report. And she practice...

The Unspoken Rules Of Career Success w/ Gorick Ng (Bestie Ep) #702 28.07.2023

Excelling in your career depends on more than just doing a great job. Just because you’re a decent software engineer, or you get the job done as a nurse- that doesn’t mean that you’ll quickly rise through the ranks. Nor does it mean you’ll automatically see big raises or year-end bonuses! That’s because there are things that managers and bosses expect of you, but they’re never explained to you. Th...

What if You Won the Lottery? (Bestie Ep) #701 26.07.2023

Winning the lottery shouldn’t be a part of your financial plan- but why are we so enthralled by the idea of winning the lottery?! On average, Americans spend over $1,000 every year for the chance to strike it rich. That’s a lot of wasted money that could be going towards literal investments. But even though we’re not going to win millions, statistically speaking, this exercise can provide some ins...

Ask HTM - Home Warranties, Paying Extra on a Mortgage vs Investing, & Marketing a Side Business #700 24.07.2023

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. Regardless of how random or bizarre you might think it is, we want to hear it!   1 - With a 7% mortgage, should I pay extra towards my house or invest in the stock market instead?...

Friday Flight - BOA on Blast, Second Home Slip-ups, & Buses are Back #699 21.07.2023

Time for a Friday Flight- our sampling of the week’s 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: reaching out to state insurance commiss...

The High Cost of Crappy Credit #698 19.07.2023

Think back to the last time you lost power at your place. I’m sure it was an inconvenience- it was likely annoying to find yourself walking into a room and reflexively reaching for the light switch, even though the power was out. But the real problem with an outage are the downstream effects it has: food in the fridge spoils, traffic is a nightmare if the stoplights are out, folks even die due to...

Why You Need a Money Coach in Your Corner w/ Ericka Young (Bestie Ep) #697 17.07.2023

It’s time to get your financial butt in shape! Our guest today, Ericka Young, is the financial coach that she never had! As a newlywed couple, Ericka and her husband discovered that it’s actually pretty easy to become just like the average US household that now has over $150,000 in debt. It’s the norm and if you don’t have a plan to avoid debt, you will likely find yourself falling into that trap!...

Joel's $ Origin Story (Bestie Ep) #696 14.07.2023

Better know a podcast host! Oftentimes here on the podcast we talk about our daily lives. We’ll share little ways that we’re saving money, or you get to hear about our curb alert scores, and we might even talk a little too much about how much we’re riding our bikes. So if you’ve been listening for a few years you might know a good bit about us- that happens after nearly 700 episodes! But we’ve nev...

Matt's $ Origin Story (Bestie Ep) #695 12.07.2023

Oftentimes here on the podcast we talk about our daily lives. We’ll share little ways that we’re saving money, or you get to hear about our curb alert scores, and we might even talk a little too much about how much we’re riding our bikes. So if you’ve been listening for a few years you might know a good bit about us- that happens after nearly 700 episodes! But we’ve never done a deep-dive origin s...

Ask HTM - Prepaid College Plans, Maturing Savings Bonds, & Settling the Roth vs Trad 401k Debate #694 10.07.2023

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. Regardless of how random or bizarre you might think it is, we want to hear it!   1 - Are prepaid college plans a good deal or should I stick with a traditional 529 account? 2 - Wha...

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