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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.

How to Money

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 - Money Gears: I’m confused… why do you recommend getting a 401k match before paying off high interest credit card debt?
 
2 - Cash windfall: What should I do with the rest of my inheritance?
 
3 - 403b: Should I opt for the new Roth version, stick with the traditional, or maybe it’s possible to do both?
 
4 - Greenland: With all the political upheaval we’re seeing, should shift all my investments to gold?
 
5 - Credit report: Where should I go to get my actual free credit report?
 
 
 
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 Bourbon Barrel Aged Wee Heavy w/Coconut Maple and Macaroons by Incendiary Brewing - a huge thanks to Brandon for donating this one to the show! 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.

Ask HTM – Money Gears Mixup, Stewarding an Inheritance, & Turning to Gold! #1096

Time for a Friday Flight- our little sampling of the week’s best 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:
 
 $119 for an entire year of cell service NYC tipping company Don’t panic tip Richer refunds Tax refund advance loans Save by shopping your rideshare No miles for basic flyers Water sommeliers Best Costco buys Affordability polls $3 dinners (don’t have to look like this) Subjective financial security stress 
 
 
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.
 
 
 
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.

Friday Flight - Richer Refunds, Best Costco Buys, & $3 Dinners (don’t have to be this sad!) #1095

The whiplash student loan borrowers have experienced over the past few years has been staggering. Payments paused, forgiveness promised, forgiveness blocked, repayment systems rewritten, and now wage garnishment is back on the table for some folks. It’s no wonder navigating student loans has become a specialized skill. Few people know that landscape better than attorney Stanley Tate. He’s helped hundreds of borrowers get out of default, qualify for forgiveness programs, secure affordable payments, negotiate settlements, stop garnishments, and even discharge student loans in bankruptcy. Through his blog, newsletter, and videos, Tate has offered guidance to countless others. Some of the topics covered today:
 
 • How much time borrowers in default have had to address the elephant in the room
 • Why income-driven repayment plans are crucial for many borrowers
 • Why private student loans are expected to see a resurgence
 • Borrowers often misunderstand their repayment options and forgiveness paths
 • How emotional decisions often overshadow financial reasoning in education funding
 • The biggest student loan mistake that his clients make
 • Living life fully is essential, even amidst student loan burdens
 • And much more!
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 Stanley Tate: • Newsletter, tools, and other resources 
up on his site • and he’s got a 
great YouTube channel • as well.
 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.

Student Loan Chaos Explained w/ Stanley Tate #1094

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 - Credit score: what assets should I focus on in order to boost my credit score?
 
2 - Geo arbitrage: how should I approach moving to Italy when all of my tax advantaged investing accounts will now be taxed?
 
3 - Down payment: should I invest my cash that I’d like to put down for my first house?
 
4 - Car loans: why do you guys recommend paying cash for a car when you can earn more by investing in the stock market?
 
 
 
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 NA Safe Sexride by Incendiary Brewing - a huge thanks to Brandon for donating this one to the show! 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.

Ask HTM – Assets to Boost My Credit Score, Lifestyle Geographic Arbitrage, and Car Loans to get Wealthier #1093

Time for a Friday Flight- our little sampling of the week’s best 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:
 
 Dry January is still costing you Background (credit) checks Garnished student loan wages Points for paying your mortgage If the juice is still worth the squeeze Credit card consultants Smaller weddings saving money Paying for guru chatbots • (should we launch our own new AI or do traditional one-on-one coaching?)
 Hey siri, reduce my medical bill by 80% AI UBI Tapping a 401k early Greenland and the future of investing in US stocks 
 
 
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.
 
 
 
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.

Friday Flight - Points for Paying your Mortgage, Credit Card Consultants, & AI UBI (to each according to his need!) #1092

Spending money is EASY… it’s the saving and investing that’s hard, right!? Not necessarily. Our guest today isn’t going to judge your spending habits, but he does want to help you learn what’s worth wanting. Morgan Housel wrote what many consider to be the most compelling money book in recent memory, The Psychology of Money. His new book is called The Art of Spending Money and a few of the ideas covered today:
 
 
 
 • Spending is the ultimate purpose of money
 • Independence is the most important thing money can buy
 • Understanding the difference between internal and external benchmarks is crucial
 • Identity should not be tied to financial metrics
 • How inconsistent spending habits can lead to happiness
 • Cultural shifts have changed how we view money and success
 • Finding purpose beyond money is essential for a fulfilling life
 • And plenty more!
 
 
 
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.
 
 
 
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.

The Art of Spending w/ Morgan Housel #1091

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 - Nine-figure wealth: what do we do after our company sells for $300 million?!
 
2 - Healthcare subsidies: are health sharing plans my only other option to keep my healthcare costs down?
 
3 - Landlord liability: should I really go with the formality of holding each of my properties in it’s own LLC to safeguard my personal assets?
 
4 - 401k snatch: does it make sense to continue contributing to my 401k after my employer has lowered the match?
 
5 - Long term disability: when does it make sense and do I need to get a policy in place?
 
 
 
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 Shift Experimental by Incendiary Brewing - a huge thanks to Brandon for donating this one to the show! 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.

Ask HTM - Combatting Healthcare Premium Hikes, Purchasing Long Term Disability, and WTD with Nine-Figure Wealth #1090

Time for a Friday Flight- our little sampling of the week’s best 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:
 
 Longevity calculators • (
Matt’s preference • )
 Credit card caps The youths ditching credit cards Free rent Gambling on housing Private labels on the rise GLP1 to slim down the budget Pokemon investing Bear market benefits Investing like an optimist Cable TV bundle rebounds Don’t sleep on free streaming 100 month car loans Budget busting used cars 
 
 
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.
 
 
 
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.

Friday Flight - Credit Card Caps, Free Rent, & Pokemon Investing #1089

We all get the same 24 hours – but it sure doesn’t always feel that way, does it? Why is it that some people seem to have time for hobbies, meaningful conversations, even a slow cup of coffee, while others are just trying to survive the day on repeat? Today, we’re breaking down what it really takes to build a life that feels enjoyable, sustainable, and manageable… not rushed and reactive. And a crucial part of that equation are smart money decisions and intentional choices about how we spend our time. Our friend Andy Hill is here to share his wisdom. Andy runs Marriage, Kids & Money, and he’s the real deal – someone who has put in the work and built a life guided by values, freedom, and family. Everything he shares today comes from experience, not theory. Some of the topics we get to:
 
 • Best reason every for tracking and budgeting
 • Importance of effective communication with a partner
 • Cutting expenses shouldn't mean depriving yourself of joy
 • The debt hatred method focuses on paying off emotionally burdensome debts first
 • Transitioning to solopreneurship can provide more control over your time
 • Experimenting with work-life balance can lead to a more fulfilling life
 • What “FU” money affords you
 • Life is for living, not just saving for the future
 • And plenty more!
 
 
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 Andy: • 
Own Your Time • is the book, and 
Marriage, Kids, and Money • is the podcast.
 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.
 
 
 
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.

Own Your Time: Build a Life You Control w/ Andy Hill #1088

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 - Camper purchase: should I use my HELOC to replenish my emergency fund that we used to buy a used camper?
 
2 - Baby wealth: what accounts do I prioritize for my twins future and how should I be thinking about generational wealth?
 
3 - Expensive gyms: is it frugal or cheap to not tell my gym that I’m still paying the old rates?
 
4 - Apartment hunting: how should I approach the conversation with my landlord about breaking my lease due to our growing family?
 
5 - Crypto: is it a good idea to invest in individual stocks and crypto if they’re already represented in my portfolio via an index?
 
 
 
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 Dulce Muerte by Incendiary Brewing - a huge thanks to Brandon for donating this one to the show! 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.

Ask HTM - Gym Edition Frugal or Cheap, Blaming the Baby for Lifestyle Upgrades, and Dipping into Savings for a Camper #1087

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 - As a newlywed couple, should we combine our finances?
 
2 - How do I go about finding and then eliminating the fees associated with my 403b account?
 
3 - I received an inherited IRA- how do I make the most of this money if I’d like to eventually buy a house?
 
4 - Should I finish out a basement, build an ADU, or purchase a single/multifamily home if I’m wanting to diversify into real estate?
 
5 - What are your top 10 episodes that you’d recommend to noobs of personal finance?
 
 
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 • Knowing your ‘money gear’ is a crucial part of your personal finance journey. 
Start here. • 
 • Sign up for the weekly 
HTM newsletter • . It’s fun, free, & practical.
 • Find a thriving community of fellow money nerds by joining the 
HTM Facebook group! • Maximize your rewards by getting the 
best credit card • for how you spend.
 • Massively reduce your 
cell phone bill • each month by switching to a discount provider like Mint Mobile.
 • Don’t be cheap and forego getting a life insurance policy. 
Compare rates with Policygenius. 
 
 
During this episode we enjoyed a Saison De Banc Vert by Green Bench Brewing! 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.

Ask HTM - Combining Finances as a Newlywed Couple, Seek and Destroy Investment Fees, & Making the Most of Inherited Money #562

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