How to Money

Never Worry About Money Again w/ Jesse Mecham #1178Frugality is a cornerstone of personal finance advice: cut back, spend less, reduce waste. And for the average American drowning in debt, that’s often solid advice. But money isn’t meant to just sit there untouched—it’s also meant to be spent, experienced, and enjoyed. In fact, even the money you save is really just deferred spending. And let’s face it: money isn’t easy to come by. We work hard for every dollar we earn. So maybe the answer isn’t simply spending less. Maybe it’s spending with more intention. Our guest today wants you to worry less about money, and he argues that the path there isn’t endless deprivation—it’s changing the way you think about spending altogether. Jesse Mecham is a best-selling author and founder of YNAB, the beloved budgeting app that’s helped millions take control of their finances. Today we discuss his brand new book, Never Worry About Money Again, and dive into concepts like: • Financial worries are a low grade hum • Money as an expression of self • Why Jesse believes we should love money • Aligning money with life goals and values • Influence of interior work and self-awareness • Practical tips for simplifying money systems • Kids as a status symbol • What it means to be a “rec league” family • And much more! Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances: Cashback credit cards: • Check out our favorite credit cards • that we use to maximize rewards and optimize our spending. Other money nerds: • Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: • Sign up for the weekly HTM newsletter • . It’s fun, free, & practical. Money Gears: • knowing what to do with your money • is crucial to your personal finance journey. MG7: • and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor • and getting matched with a highly vetted financial advisor makes sense. 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! See omnystudio.com/listener for privacy information.

1183|1T 5M

Ask HTM – Investing or Parking Cash, Ignoring Family Money Advice, & When Rates are Low Enough for a Refi #1177Big money mistakes usually come from doing the “smart” thing too soon. We break down listener decisions that look simple on the surface, but could cost you thousands if you get the timing wrong… from where to park a home-sale windfall, to whether a refi is actually worth it, to why stock-picking advice from family can be a trap, and more! 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! If you’re sitting on cash you’ll need soon, debating whether to become a landlord, or wondering if your mortgage rate is low enough to justify another refinance, we give you the clearest path forward. We also tackle the hidden risk in chasing returns with individual stocks and ETFs, and explain why boring, liquid, diversified choices usually win when the clock is ticking. You’ll discover: 1 - Home purchase: Why a high-yield savings account or money market fund is usually the right move for short-term home-buying cash. 2 - Refi: How to think about refinancing through payback period instead of obsessing over the interest-rate drop. 3 - Investing tips: The difference between broad index funds and narrow ETFs, and why that matters for risk 4 - Helping others: Paying it forward for others to achieve financial freedom 5 - Financial safety net: When a HELOC can be a backup and why a reverse mortgage is a very different beast. Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: • Check out our favorite credit cards • that we use to maximize rewards and optimize our spending. Other money nerds: • Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: • Sign up for the weekly HTM newsletter • . It’s fun, free, & practical. Money Gears: • knowing what to do with your money • is crucial to your personal finance journey. MG7: • and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor • and getting matched with a highly vetted financial advisor makes sense. During this episode we enjoyed a Bear Hug IPA by Market Brewing… thank you David S for sending this one our way! 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! See omnystudio.com/listener for privacy information.

1182|1T 15M

Episodes

Lyt når som helst, hvor som helst

Andre har også lyttet til ...