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.
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iHeartPodcasts
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Podcast website
Latest episode
Jul 10, 2026
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Episodes
Ask HTM - Break-Even Bank Switch, Doubling Down on a 457b, & Financing an ADU for Extra Cash #1042 29.09.2025 56:42
Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!...
Friday Flight - 'Just In Case' Planning, Consumer Caste System, & Credit Scores Crashing #1041 26.09.2025 38:27
Time for a Friday Flight- our little 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: Coffee tariffs Avoid...
Eat the Avocado Toast w/ Justin & Haley Brown-Woods #1040 24.09.2025 54:48
The supposed luxury of avocado toast, along with the latte, has become an “ok boomer” personal finance tip. “Stop frivolously spending your money and you’d be rich!”... we don’t actually believe that here at HTM and even if there’s a modicum of truth to that statement, it presents other challenges like: how long do you sacrifice in the short-term in order...
Ask HTM - Best Grocery Cashback Credit Cards, Risking it with Ultra Cheap Car Rentals, & Giving Up on Home Ownership #1039 22.09.2025 54:25
Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!...
Friday Flight - Pricey Porch Pumpkins, Twitter for Trading, & Saving for a Spouse #1038 19.09.2025 33:30
Time for a Friday Flight- our little 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: RATE CUTS Pricey por...
Cutting Taxes & Retiring Sooner w/ Cody Garrett #1037 17.09.2025 55:17
Benjamin Franklin once wrote “... in this world, nothing is certain except death and taxes.” It was true over 200 years ago and it’s true today! But we’re here to argue that there’s another certainty pertaining to taxes: that we all have the ability to change our individual tax rate by our own actions! Our guest today, Cody Garrett, has thoroughly internalized that re...
Ask HTM - Gifting $ to Other’s Kids, Most Affordable Protein, & Snagging the 529 State Deduction #1036 15.09.2025 51:44
Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!...
Friday Flight - Flipping For Cash, Health Insurance Hikes, & Grim Googling #1035 12.09.2025 36:51
Time for a Friday Flight- our little 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: thinner iPhones , recipe f...
Financial Freedom on Less than $40k w/ Hope Ware #1034 10.09.2025 53:20
Want to live joyfully and abundantly on a shoestring budget? Is it even possible or is it something from a bygone era?! With headlines shouting that even high income earners making $300,000 are living paycheck, achieving financial freedom on a $40,000 salary sounds like a pipe dream. But our guest today is proof that it’s possible and that you can have a good time along the way, too. Hope Wa...
Ask HTM - Condo Cold Feet, Investing in ABLE Accounts, and the Best Interest Rate Ever #1033 08.09.2025 51:02
Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!...
Friday Flight - Forgotten 401k, Peaking Pessimism, & Loyalty is for Losers #1032 05.09.2025 39:31
Time for a Friday Flight- our little 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: Walden Pond and your walle...
Built to Borrow: The Hidden Forces Behind Debt w/ John Dinsmore #1031 03.09.2025 56:30
A lot of folks discover personal finance podcasts like this one after hitting a few bumps in the road – most often with debt. Maybe you’ve maxed out your credit cards, or you’re juggling more Buy Now Pay Later payments than you can keep up with. That kind of financial stress is heavy, and it often comes with a side of shame. But what if your money struggles aren’t just...
Ask HTM - Is a 25% Savings Rate Overkill, Avoiding State Minimum Insurance Requirements, & Eliminating 401k Loans #1030 01.09.2025 53:17
Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!...
Friday Flight - Pre-K For Pay, Helicopter Savers, & Politics Shmoliticks #1029 29.08.2025 35:47
Time for a Friday Flight- our little 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: job skill certificates tha...
Move to Puerto Rico to Axe Taxes w/ Rachel Farris #1028 27.08.2025 51:37
Some families have lived on the same plot of land for generations… what’s more Americana than passing down the family farm to the next generation?! But the US also has a history of moving towards opportunity – the settling of the west and the gold rush in California, returning veterans moved at higher rates in the aftermath of WW2, and then more recently the pandemic led to an u...
Ask HTM - Acorns to Jumpstart Investing, Seasoning a Cash Gift, & Social Security Running Out #1027 25.08.2025 52:59
Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!...
Friday Flight - Digital Nomad Fatigue, Treat Culture, & Retired Renters #1026 22.08.2025 38:20
Time for a Friday Flight- our little 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: autopay fees, school suppl...
Defend Your Digital Life w/ Nathan Bartram #1025 20.08.2025 57:05
The pace at which technology advances is straight up disorienting in our current age. So much so, that it’s likely digital natives and even our kids who can figure out new tech gadgets faster than we can! For those of you who are using apps and AI regularly but not feeling like a pro – you’re worried about your privacy, passwords, & data as you navigate the online world...
Ask HTM - Spending Cash Windfalls, Retirement Investing vs College Savings, & So You Think You Can Landlord?! #1024 18.08.2025 58:04
Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!...
Friday Flight - Housing Boom Busts, AI-Induced Outrage, & Infinite Workdays #1023 15.08.2025 37:28
Time for a Friday Flight- our little 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: ridic Peloton fee, housing...
Moving Up The Wealth Ladder w/ Nick Maggiulli #1022 13.08.2025 50:25
We’re glad to have friend of the show and newly married, Nick Maggiulli back on the podcast! He’s been given the nickname Nicky Numbers because he has a special gift for conveying wonky money information in a straightforward and digestible way. We’ve been fans of his blog, Of Dollars & Data, for years now. This episode is for everyone out there who wants to grow their net wor...
Ask HTM - Jumping Back Into the Workforce, HELOC Cash Grab, and Free Life Insurance Gotchas #1021 11.08.2025 51:16
Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!...
Friday Flight - Bad RAPs, Price Match Murder, & Premium Points Credit Cards #1020 08.08.2025 38:14
Time for a Friday Flight- our little 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: a 100 year old’s pur...
WE BACK - Frugal Fun, Travel Tips, & Sabbatical Takeaways #1019 06.08.2025 35:27
Finally… a freshie! We’re done with bestie episodes for the summer and are excited to sit down and fill everyone in on what we’ve been up to for the past six weeks. We recount how lucky and blessed we are to be able to take a break from our 9-5, share some of our favorite ways we saved money while traveling (somehow in our first episode back we managed to discuss Aldi and Costco...
Jesus Christ Super-Saver: Ancient Wisdom & Your Money (Bestie Ep) #1018 04.08.2025 47:22
We’re glad Ikea exists. The ability for a vast majority of the population to get their hands on some incredibly functional, well designed, and affordable furniture is a good thing. But, you’re also unlikely to pass Ikea furniture down to your kids or for that matter, use it for more than a handful of years. Compare that to a campaign dresser from the 1800s! It’s true that they do...
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