How to Money

Ask HTM - Housing Rule of Thumb, Axing a Boat Payments, & Making Bank on the World Cup #1108We’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 - Housing costs: What’s a good rule of thumb to stick with to help me keep my mortgage payment in check? 2 - 401k rollover: Can you share the penalties and benefits of a retirement account rollover? 3 - Boat payment: How much should I pull out of my savings to finally get rid of my boat loan? 4 - World Cup: How do I ensure that I make the most money and avoid any pitfalls when renting my place for the World Cup this summer? 5 - Down payment: My down payment is in stocks but I might be buying a house next month… what do I do?! Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: 401k rollovers: • Capitalize • is the site we discussed where you can easily roll over an old 401k for free- don’t let your retirement dollars languish with an inferior provider! 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 Harpeth by Living Waters! 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.

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Talk About Money Without Fighting w/ Dr. Sonya Lutter #1100Money fights are one of the most common, and most damaging, sources of tension in a relationship. Whether it’s spending, debt, or mismatched financial goals, those arguments can quietly erode trust and connection over time. But here’s the good news: money doesn’t have to be the thing that drives couples apart. When partners develop healthy financial habits and learn how to communicate about money, it can actually strengthen their relationship. Which is why we’re excited to welcome Dr. Sonya Lutter to the show today. She’s both a marriage therapist and a financial planner, and she leads the Financial Health & Wellness program at Texas Tech. She brings a rare, research-backed perspective on how couples can keep money from becoming a stumbling block and instead make it a source of teamwork. Today we discuss: • How financial therapy combines finance and emotional support • Perception of financial wellness often differs from reality • Financial stress impacts decision-making abilities • Biological responses to stress affect financial decisions • Regular financial conversations can prevent conflicts • The most common relational dynamic that leads to money fights • How financial infidelity can be as damaging as sexual infidelity • And much more! Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Sonya: • All things Sonya over at her website, SonyaLutter.com Credit card perks: • Check out our favorite credit cards • that we use to maximize rewards and optimize our spending. Money Gears: • knowing what to do with your money • is crucial to your personal finance journey. Newsletter: • Sign up for the weekly HTM newsletter • . It’s fun, free, & practical. Other money nerds: • Find a thriving community of fellow money nerds by joining the HTM Facebook group! 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.

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