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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

Time for a Friday Flight- our little sampling of the week’s 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: a 100 year old’s purchasing power, passage of the One Big Beautiful Bill Act, boosting SALT deductions, waning EV tax credits, bad RAPs, student loan advice on TikTok, $80 popcorn buckets, Target price match murder, rising Amazon prices, premium points credit cards, and what to do instead!
 
 
 
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.
 • Join a thriving community of fellow money in the 
HTM Facebook group. • Massively reduce your 
cell phone bill • each month by switching to a discount provider like Mint Mobile.
 
 
 
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. Have an awesome weekend!
 
 
 
Best friends out!

See omnystudio.com/listener for privacy information.

Friday Flight - Bad RAPs, Price Match Murder, & Premium Points Credit Cards #1020

Finally… a freshie! We’re done with bestie episodes for the summer and are excited to sit down and fill everyone in on what we’ve been up to for the past six weeks. We recount how lucky and blessed we are to be able to take a break from our 9-5, share some of our favorite ways we saved money while traveling (somehow in our first episode back we managed to discuss Aldi and Costco for those playing HTM bingo at home), and we only begin to touch on some of the lessons and takeaways from our time off. Active volcanoes, beef tongue, regenerative braking, EVs, lunchables, and padcrashing all make an appearance!
 
 
 
Thank you for hanging in there and we are excited to get back to our regularly programmed money earning-saving-spending-investing content. Y’all are the best listeners!
 
 
 
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! • 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. 
 
 
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.

WE BACK - Frugal Fun, Travel Tips, & Sabbatical Takeaways #1019

We’re glad Ikea exists. The ability for a vast majority of the population to get their hands on some incredibly functional, well designed, and affordable furniture is a good thing. But, you’re also unlikely to pass Ikea furniture down to your kids or for that matter, use it for more than a handful of years. Compare that to a campaign dresser from the 1800s! It’s true that they don’t make them like they used to. The same is true when it comes to modern financial advice. There’s a lot of ‘wisdom’ floating around out there that is self-serving at best, and deceptive and predatory at worst. So in today’s episode we pull some ancient wisdom from the Bible, Stoicism, and other wisdom traditions from hundreds to thousands of years before our time. Then we connect that ancient wisdom to our modern times to help you to determine what you should be doing with your money.
 
 
 
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.
 • Join a thriving community of fellow money in the 
HTM Facebook group. • 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 an Apricot Crumble by Vitamin Sea 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.

Jesus Christ Super-Saver: Ancient Wisdom & Your Money (Bestie Ep) #1018

Have you ever renovated a home? If so, then you remember all of the decisions that you had to make that initially were a lot of fun. Paint colors, light fixtures, tile, even the kind of toilet you wanted… but eventually it gets old and you just want it done. If you can’t relate, even picking up a loaf of bread at the grocery store can be overwhelming- “Should I get honey wheat, 100% whole wheat, 13 grain, the stuff with flax?!” While it can be nice to have options, complicating things doesn’t always make them better. And when it comes to investing, the opposite is actually true. Decision fatigue is what we’re talking about and there can be so many distractions that keep us from reaching our financial goals. Lump sum vs dollar cost averaging, international stocks, ESG investing, real estate, hiring a financial advisor- these are just a few of the potential distractions that we discuss in today’s episode.
 
 
 
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.
 • Join a thriving community of fellow money in the 
HTM Facebook group. • Massively reduce your 
cell phone bill • each month by switching to a discount provider like Mint Mobile.
 
 
 
During this episode we enjoyed a Symptom of Progeny by Burial! 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 Complicated Should Investing Be? (Bestie Ep) #1017

We’re stoked to be talking with our friend Chad Carson, aka Coach Carson, which is also where you can find him online: CoachCarson.com. We’ve known Chad for years now but just because this feels like a more casual conversation to us, that doesn’t mean that he’s not going to bring the heat! We tout the benefits of small-time real estate investing, but Chad has made it his mission, and it’s the focus of his new book: Small and Mighty Real Estate Investor. During our conversation today Chad describes his experience of living abroad for a year with his family and how investing in real estate made that possible, house hacking as a gateway drug to investing in real estate, the difference between building wealth and achieving freedom, the risk you run by discounting the ‘romance’ of a property, ways to get around the high cost of mortgage lending, why it makes sense to pay off a mortgage early, and much more!
 
 
 
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.
 • Join a thriving community of fellow money in the 
HTM Facebook group. • Massively reduce your 
cell phone bill • each month by switching to a discount provider like Mint Mobile.
 
 
 
During this episode we enjoyed a Zeros to Heaven West Coast IPA by Casa Agria! 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.

Small But Mighty Real Estate Investing w/ Chad Carson (Bestie Ep) #1016

Cinderella is such an absurd story! Seriously, when you stop and think- it’s pretty messed up: a prince dances with a girl he’s never met before for one night, and then he sends his goons around town to find her so they can get married. There’s a reason you go on dates for at least a few weeks before proposing. You’ve gotta kick the tires and perform some due diligence! Similarly, you might be completely obsessed with the idea of early retirement upon first hearing about it. And articles out there on the web sure do make it sound enticing. And it might be the right move for some folks, but not before thinking it through on a bunch of fronts. So we’re going to offer our thoughts on how to decide if retiring sooner than your peers is a good goal. We’re going to tackle a number of questions both financial in nature (like sequence of returns risk and ‘one more year syndrome’) but also some personal questions as well (like hobbies and how you’ll spend your days), that’ll help you decide if early retirement is a goal worth pursuing.
 
 
 
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.
 • Join a thriving community of fellow money in the 
HTM Facebook group. • 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 Ferrous by New Park Brewing- thanks for donating this one to the pod Matthieu! 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.

Is Early Retirement A Smart Goal? (Bestie Ep) #1015

Have you seen the meme of the guy on a bike who puts a stick in his spokes and then crashes? There are literally hundreds of different versions based on this goofy comic. For instance the first frame on one says “15 holes of good golf,” then followed by “my brain realizing I’m playing well,” as he puts the stick in the front wheel before writhing in pain on the ground. The truth is, it’s not all that hard for us to become our own worst enemy. And that reality is what makes those memes so hilarious and poignant at the exact same time. We understand the truth, we know how it is that math works, and what it is that we should do… but then we go and do the exact opposite thing. And that’s particularly true when we’re talking about money. Simply knowing how to invest won’t make you wealthy and having good intentions won’t get the job done. So today we want to talk about some of the common ways we’re conspiring against ourselves and offer an antidote to help us make the progress we’re looking to achieve. As Carl Jung said, “Until you make the unconscious conscious, it will direct your life and you will call it fate.” It’s time to dig in!
 
 
 
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.
 • Join a thriving community of fellow money in the 
HTM Facebook group. • Massively reduce your 
cell phone bill • each month by switching to a discount provider like Mint Mobile.
 
 
 
During this episode we enjoyed an End of Plagues by Burial 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.

Overcoming Our Idiot Brains (Bestie Ep) #1014

We’re joined today by Yanely Espinal, who is also known as MissBeHelpful in the online world of personal finance. Yanely was born in Brooklyn, she is a first generation daughter of immigrants, and even though she went to Brown University it didn’t take long for her to rack up over $20,000 in credit card debt. Academic performance doesn’t automatically mean that you know how to handle your money, and Yanely knew that she needed to make some changes! Before long she was sharing her experience online in order to help others and she parlayed her teaching career into serving as the Director of Educational Outreach at Next Gen Personal Finance. And now she’s recently published her first book: Mind Your Money. She is also currently on a political roller coaster ride across the country in order to convince lawmakers to make personal finance a high school graduation requirement. Listen as we talk about all of this and more today!
 
 
 
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.
 • Join a thriving community of fellow money in the 
HTM Facebook group. • Massively reduce your 
cell phone bill • each month by switching to a discount provider like Mint Mobile.
 
 
 
During this episode we enjoyed a Codebreaker West Coast IPA by Trademark 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.

Food Stamps to Financial Freedom w/ Yanely Espinal (Bestie Ep) #1013

“Spend less than you make.” This is a maxim that is not only true but, if followed, will allow you to accomplish so many other goals that you might have in life. It’s a foundational concept. Similarly, we also think the same can be said for biking. Get this one thing right in your life- pedal your way to wherever you need to go, and so many other aspects of life will automatically fall into place. And we’ve actually been able to put our commitment to biking to the test since we’ve moved out of the city- you might be surprised to hear the results! Listen as we discuss the many different reasons we believe biking is a money and life hack, the positive impacts on our health, communities, and environment. And we also touch on how you can make biking more accessible in your community as well as how you can get started, even if you haven’t ridden a bike since you were eleven!
 
 
 
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.
 • Join a thriving community of fellow money in the 
HTM Facebook group. • 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 Lager by Bosque Brewing- a big thanks to Bob in New Mexico 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.

Biking is a Money & Life Hack (Bestie Ep) #1012

Have you ever eaten so much dessert that you thought you might puke? Or maybe you find yourself at the end of a shopping spree with too many clothes in your closet than you could ever possibly wear? In both cases we’re talking about the diminishing marginal utility that we receive from each additional item we consume- the first cup of water after a run is wonderful, but the fifteenth... less so! Diminishing returns is a common way to describe this phenomenon, and we want you to know that this applies to frugality as well. There’s a certain subset of folks who think that the best way to handle their money is to be frugal to the max. And while we would even call ourselves a couple of frugal fellas, it’s important to point out that it’s not a financial tool that fixes everything. So while we’ll be the first to point out how frugality can make you wealthier due to how quickly you can implement it and it’s long-term implications, we’re also not shy about highlighting its downsides: how it can be the result of a fear driven mindset, how focusing on expenses can distract you from thinking about income, how it can lead to a miserly existence. There’s a way you can develop a healthy embrace of frugality and that’s what we’re discussing today!
 
 
 
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.
 • Join a thriving community of fellow money in the 
HTM Facebook group. • Massively reduce your 
cell phone bill • each month by switching to a discount provider like Mint Mobile.
 
 
 
During this episode we enjoyed The Void of Perspective That Became You and Me by Burial. 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 Diminishing Returns of Frugality (Bestie Ep) #1011

Happy New Year! As we’re all looking ahead and setting goals let’s not forget about money- we need a money roadmap! Now is the time to decide what we’re doing with our money this year. When we know exactly what it is that we’re saving for, we have a clear mission to keep us pumped and on track. Listen as we cover the practical tips that help guide us when it comes to creating our own money roadmaps for 2019!

During this episode we shared a Thicc Coffee Porter by Urban Family Brewing Company which you can find and learn all about on Untappd. A special thanks to David in Seattle for sending this one to us! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

 
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See omnystudio.com/listener for privacy information.

Creating a Money Roadmap #051

Lyt når som helst, hvor som helst

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