More Sense Than Dollars

Everyone will file a claim at some point in their life, but if you’ve never needed it, insurance can seem like a waste of money. We’ll explain the most common types, clear up some confusing terms, and go over why it's worth insuring yourself and your property so you’re ready for any emergency.

Every year, 70% of American college students need to take out loans to get their degree, but few understand what they’re getting into. Knowing the different types of student loans can save time and money, so join Nick and Harry to learn what loans are best for you, how to minimize them, and pitfalls to avoid.

Nick and Harry tackle all the burning questions submitted by listeners during MSTD's first 10 episodes.

If you're getting taxes taken out of your paycheck, its worth making sure the government isn't taking too much. Today's tax preparation tools make it easy and inexpensive to file your taxes yourself. We'll explain how the US tax system works and what to expect when you go through the steps.

Refinancing seems like a complicated process that isn't worth the effort, but it's really just replacing your current loan with a better one. Nick and Harry explain when you should refinance and how it can save you more money and stress than you think.

Your credit score might seem like just a number, but it can be the difference between being approved or denied for your mortgage, credit card, car, student loans, or apartment. We’ll give the context on how your score is calculated and some tips on how to get it as high as possible to make it your financial ally.

This episode is all about how to get the benefits of having a credit card without doing any damage to your personal finances. With rewards, fraud protection, and a way to build strong credit we'll explain how to use credit cards the right way and why you should have one if you don't already.

When you picture yourself retired, do you have enough money to do all the things you want and live the way you like? Yes? Then it's because you started saving for it today. This episode covers the differences between the most popular retirement accounts for employees and why you should take advantage of their perks.

Credit card bills, student loans, mortgages, car loans. Debt is a part of life, but where should you start when you want to get rid of your loans? We’ll spell out how to pay them off, the different types of debt, and situations to make debt work for you instead of against you.

Saving for retirement can be complicated and overwhelming, but it doesn’t have to be. In this episode, we’ll break it down and walk you through a simple flowchart that gives you the best bang for your savings buck.

If you have an emergency, you shouldn't have to worry about how you're going to pay for it. We'll explain how to build an emergency fund that's big enough for any problem that comes your way.

Have you been wanting to make a budget but just not sure how? This episode explains why you should have a budget and how to make a plan for your paycheck.

In this episode you'll learn how the stock market works, how to open a brokerage account, and how investing could make you some serious money.

We're Nick and Harry. After a lot of trial and error, research, and nerding out on personal finance we wanted to start a podcast to share lessons we've learned over the years and how to take control of your personal finances.