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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

Spain. Vietnam. Tanzania. Georgia… the one in Europe of course. Ever catch yourself daydreaming about building a life somewhere far beyond the borders of the US? There’s a lot to love about living here. But for many, the pull to see more of the world never really goes away. What’s fascinating is that moving abroad isn’t just a lifestyle decision, it can be a financial one too. Different countries come with different costs, and entirely different ways of thinking about work, money, community, and quality of life. Our guest today is Richelle, founder of Move Abroad Coach. She’s spent more than 12 years living across half a dozen countries and has helped over 3,000 people navigate the leap overseas. Through that work, she’s gained a unique perspective on how where you live can dramatically shape your life and finances… often in ways most people never stop to consider. Today, we’re talking about the real pros and cons of leaving your home country behind: the money, the mindset shifts, the tradeoffs, and the opportunities. Specific topics include:
 
 • Why Rochelle splurges on personal growth
 • Her first move abroad was a major learning experience
 • Moving abroad can be a financial strategy
 • It’s not a vacation… it’s real life in a new place
 • Remote work and self-employment make the move easier
 • Digital nomad visas open up more options
 • Healthcare can be far more affordable overseas
 • Families can absolutely move abroad too
 • Fit matters more than fantasy
 • And plenty 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.

The Financial Case for Moving Abroad w/ Richelle Gamlam #1190

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 - Other people's money: Is financing more of our new home the best way to get the lowest rate?
 
2 - $300,000 windfall: Help me to efficiently drain an inherited 401k and invest for the long haul!
 
3 - Vanguard digital advisor: I’m 29, living in Brooklyn, and saving up for a house - is a robo advisor necessary?
 
4 - Money Gear 7: We’ve turned our 30 year mortgage into a 12 year - how should we celebrate?
 
5 - Backdoor Roth: I make too much to contribute to a Roth IRA so is a backdoor worth it?
 
 
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 YouTube: • You thought you’d never see it… the 
How To Money channel over on YouTube • - LIKE and SUBSCRIBE!
 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.

Ask HTM - Buying With Other People's Money, Vanguard Digital Advisors, & Money Gear 7 Celebrations #1189

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:
 
 AI toothbrush Car insurance competition • (
and divident payments! • )
 A time to invest “Early” retirement increasing Ghost jobs Passive income dreams HOA horrors Living back with mom and dad Tough sledding for realtors • (
Bc who actually needs a realtor?! • )
 Vaca thanks to AI 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 YouTube: • You thought you’d never see it… the 
How To Money channel over on YouTube • - LIKE and SUBSCRIBE!
 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 - Car Insurance Competition, Early Retirement Increasing, & HOA Horrors #1188

Anyone else a little tired of hearing about ‘retirement?’ It can feel like this vague, far-off finish line that we're told to obsess over for decades. But here's the thing: when you look at the research, a surprising number of people who are retired—or about to retire—are anxious. They've got regrets. Some of those regrets are financial. But many have nothing to do with money at all. So if we're going to spend years working toward retirement, we should probably make sure we're aiming for one we'll actually enjoy. Joel has known Wes Moss for a long time. They worked at the same radio station for well over a decade. He's still there because, believe it or not, terrestrial radio is still alive and well. His show, Money Matters, has helped countless listeners make smarter decisions about their money, their investments, and, yes, their retirement. Wes has a new book out that challenges a lot of conventional thinking about what makes retirement successful, and today we're diving into the financial and non-financial choices that can help you avoid the regrets so many retirees have. Today we discuss:
 
 • Why his new research updates his earlier work on happiest retirees rather than replacing it entirely.
 • Fear around retirement is often amplified by nonstop media coverage.
 • Wes says more money alone does not erase anxiety, even for people with $3 million or more.
 • Wes defines happiness in a more Aristotelian way, focusing on fulfillment and purpose rather than pure pleasure.
 • He introduces “money green zones” for investable assets, income, and years left on a mortgage, arguing that happiness rises when retirees land in those ranges.
 • A major theme is core pursuits, which Wes describes as hobbies on steroids. The happy retiree group tends to have 5 or more, and they spend about 20 hours a week on them versus about 13 for less happy retirees.
 • Wes warns that purpose does not just appear in retirement. It has to be built intentionally well before leaving work.
 • They talk about the “friendship recession” and how it gets harder to make close friends with every decade, making community a key retirement asset.
 • The conversation also covers the emotional power of being able to say you could retire now, even if you choose not to. Wes says that confidence correlates with a 21% jump in happiness.
 • On the financial side, Wes explains why a retirement plan, safe assets, and a flexible withdrawal strategy can reduce fear and improve spending confidence.
 • They discuss Social Security timing, with Wes leaning toward using it sooner if doing so helps someone retire a year or two earlier and live better.
 • How much of a remaining mortgage leads to higher levels of happiness
 • 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.

Build a Retirement You'll Actually Enjoy w/ Wes Moss #1187

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 - Extra cash: Should we use our savings to pay down a mortgage that’s at 2.8% for 30 years?
 
2 - Brokerage taxes: How do I prepare for paying taxes on dividends and could you explain ‘tax drag’?
 
3 - Credit card apps: Am I crazy for feeling hesitant to enter my credit card information into card maxing apps?
 
4 - Hot and tired: Our window units aren’t keeping up with the heat so is it OK to finance central air?
 
 
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 YouTube: • You thought you’d never see it… the 
How To Money channel over on YouTube • - LIKE and SUBSCRIBE!
 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 Forgotten Lake by Lake of the Woods 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.

Ask HTM - 3% Mortgage Paydowns, Brokerage Account Tax Bills, & Am I “Extra” For Wanting AC?! #1186

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:
 
 • Matt’s big reveal
 • Slick deals lingerie
 America’s debt debacle Job hopping superpower Quick responses “Leave the workforce” clause in prenups Joint back accounts and happy couples Is buy now pay later all that bad? Perpetual shopping Mystery vacations to save Travel e-sim boom 
 
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 YouTube: • You thought you’d never see it… the 
How To Money channel over on YouTube • - LIKE and SUBSCRIBE!
 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 - America’s Debt Debacle, Perpetual Shopping, & Mystery Vacations #1185

“There’s nothing new under the sun.” That comes from Ecclesiastes. But it’s a piece of wisdom we tend to neglect. It's often said that those who forget history are doomed to repeat it. But what if a poor understanding of history does something else too: leaving us less grounded and giving us unrealistic expectations about how life used to be? It’s time for a history lesson today, but not just for the sake of memorizing names, dates, and events. Drawing on countless examples from history, national bestseller Joseph Moore argues that while we're constantly looking back with nostalgia at the "good old days," we may actually be living through the greatest era of prosperity. The books is How To Get Rich In American History, and today we unpack:
 
 • Why Americans misunderstand the past and over-romanticize earlier eras
 • The American Dream has been declared dead for centuries
 • Optimism and an internal locus of control matter financially
 • Why “stocks for the long run” is a modern idea
 • Early Americans were often told not to save money
 • Real estate myths: it does not always go up and it is not passive
 • FIRE as the CrossFit of personal finance
 • Women’s income has long been central to family wealth
 • Five takeaways from history: solve problems, take risks, move, marry well, believe you can do it
 • 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.

How Americans Got Rich: The History of Wealth in America w/ Joseph Moore #1184

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 - HSA: I don’t see how investing money in a Health Savings Account is going to move the needle for me?
 
2 - Dividend stocks: I keep buying individual stocks, but maybe it’s time to cut bait?
 
3 - Renovate/rent: We’re interested in getting into single family housing but how do we go about it?
 
4 - Cash reserves: What steps do I take to have 1-3 years of cash on hand for retirement?
 
 
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 YouTube: • You thought you’d never see it… the 
How To Money channel over on YouTube • - LIKE and SUBSCRIBE!
 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 Lakeside Kolsch by Lake of the Woods 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.

Ask HTM - Overrated HSA, 13% Dividend Yields, & Getting Into Real Estate #1183

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:
 
 Friends and money in The Guardian Ubiquitious • 
sports-betting Friendly financial advice Whole Foods on the cheap Suveillance grocery pricing Student loan pause = mostly bad outcomes Goodbye Grad and Parent Plus Home equity piggy banks Monitoring for fraudulent credit card charges Checks are for chumps • (
Jay Z on the power of cash • )
 Vans are back baby! “Dumb” cars Flock cameras… good or bad? 
 
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 YouTube: • You thought you’d never see it… the 
How To Money channel over on YouTube • - LIKE and SUBSCRIBE!
 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 - Friendly Financial Advice, Student Loan Shakeout, & Checks are for Chumps #1182

What’s harder: parenting… or the cost of it? We’re huge fans of having kids. They teach you so much, force you to become less self-absorbed, and – let's be real – it’s incredible to watch little mini versions of yourself running around bringing so much joy, purpose, and chaos to your daily life. But financially? Raising a family can feel more daunting than ever. Between housing, childcare, activities, and expenses that seem to multiply overnight, many parents are left asking: How do we make this work? That’s why we’re joined today by Kristy and Bryce of Millennial Revolution. They’ve written a practical new book, Parent Like a Millionaire (Without Being One), on raising kids thoughtfully and confidently without needing a seven-figure bank account. Today we discuss:
 
 • The impact of money on birth rates
 • Myths and facts of the cost or raising a child
 • “Big Baby”
 • Living smaller and avoiding unnecessary life upgrades
 • Nanny sharing and childcare alternatives
 • Teaching kids financial autonomy and independence
 • Joys of parenthood
 • Gift of financial independence while parenting
 • 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.

Parenting Like A Millionaire w/ Millennial Revolution #1181

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 - How should I go about paying for some medical tourism?

2 - Was my mom right for being upset when her credit card limit was increased?

3 - What steps should I take if I want to invest $5,000 locally in my community?

4 - As we’re enrolling in a Dependent Care FSA (Flexible Spending Account), what should we consider?

5 - Should I use my HSA (Health Savings Account) funds to pay for medical expenses or to invest?

During this episode we enjoyed a SchmoojeeBox by Imprint Beer Co! 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!

 
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See omnystudio.com/listener for privacy information.

Ask HTM - Paying for Medical Tourism, Best Ways to Use an HSA, & Investing in Local Businesses #430

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