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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 - International investing: Should I look outside of the US if I’m concerned about “Mag-7-nondiversification” in the S&P?
 
2 - Grunt work: Is it frugal or cheap to work for beer at my local craft brewery? PLUS a healthcare question…
 
3 - 13 credit cards: As we eliminate our credit card debt should I close my cards or keep them around?
 
4 - Cell service: Where to go for the most affordable home internet and cell service?
 
5 - Tax refund: What’s the best use of a $2,000 refund that I’m expecting to receive?
 
 
 
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 Fire, Skulls, and Money by Toppling Goliath – thanks Clint for sending this one along to us! 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 - Mag-7-Nondiversification-Risk, Cutting Up 13 Credit Cards, & Best Tax Refund Opportunities #1117

Thanks to Justin for having Joel on his show, FI Minded!
 
---
 

The FI community is incredibly good at effort, optimization, and doing hard things for a long time. But somewhere along the way, many of us forget how to stop. Even after gaining more control over our time, we fill it back up with projects, commitments, and expectations, leaving us busy, tired, and quietly stretched thin.

Joel Larsgaard shares what it looked like to recognize that “doing it all” was no longer sustainable, even when the work was meaningful. After front-loading years of effort through saving, investing, and building How to Money, Joel began intentionally pulling back: working fewer hours, prioritizing family and health, and even taking a six-week sabbatical. This conversation explores why doing less isn’t laziness, but a necessary evolution after years of striving.

You’ll hear how financial independence can be used as a tool for time, not just wealth, along with practical ways to say no, resist constant expansion, and create space without losing ambition. If you’ve reached a point where more effort isn’t improving your life the way it used to, this episode offers a healthier path forward - one built on balance, presence, and intentional choices.

See omnystudio.com/listener for privacy information.

BONUS: Stop Doing So Much w/ Justin Peters of FI Minded Podcast

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:
 
 • Listener side hustles like 
Star Craft Cocktails • !
 Not so high prices at the pump? Spooked mortgage interest rates Warflation Headphones or else Does expensive oil lead to higher returns? 24/7 oil futures Five minute bets Ticketmaster LiveNation is the worst Gambling on the missile strikes Will Kalshi get shutdown? Drones in our backyard Downpayment assistance programs Attractive ARMs $40 billions towards youth sports 
 
 
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 - Warflation, Attractive ARMs, & Drone Home Assessments #1116

Every year, patients are billed and stuck with $14 billion in medical debt that should be wiped out under existing hospital financial assistance rules. This debt isn’t inevitable, it’s unnecessary! Given the fact that medical debt is the number one cause of bankruptcy and a huge source of stress for families, is it a step too far to say that there is a medical debt crisis in America? We don’t think so and our guest today is doing something about it. Jared Walker is the founder of DollarFor, an organization helping people crush hospital bills they don’t legally owe. Since 2012, DollarFor has helped eliminate more than $125 million in medical debt nationwide. Some of the topics covered today:
 
 • The unnecessary strain of medical bills that many are not obligated to pay
 • Simply letting others know about “charity care” could drastically help their situation
 • Taking your time to negotiate bc medical bills don’t impact your credit score for a year
 • Hospitals often do not inform patients about available financial assistance programs
 • Medical debt impacting personal possibilities and economic progress
 • Avoiding products like Care Credit which sound nice but are just credit cards in disguise
 • And much more!
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 Dollar For: • You must check out the resources and tools at 
DollarFor.org • if you are staring down a medical bill because there’s a good chance you can get it waived! Health Care Bluebook was also mentioned but be sure and look into Jared’s organization.
 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.

Knowing Your Rights & Crushing Medical Bills w/ Jared Walker #1115

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 - Mortgage recast: Should we take a windfall and recast our mortgage or use the lump sum to invest?
 
2 - Trump accounts: Where should 530a accounts land among the Money Gears… high or low priority?
 
3 - Thin credit: What should I do since I was denied a credit card due to a thin file?
 
4 - Used cars: Is buying a car from a private seller the best option and where’s the best place to look?
 
5 - Debt relief: So it turns out the company I signed up with for debt relief might be a scam, what should I do?!
 
 
 
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 Wavelength by Equilibrium Brewery! 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 – Deploying Cash to Recast or Invest, Free $ in Trump Accounts, & David Ramsey Falling Short #1114

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:
 
 Rivian repair Robinhood Platinum • AI in our 
mortgage underwriting • and 
our taxes Side hustle salad days 56% of Zoomers hustling Sullen savers More actively managed assets (is what we don’t need) Same with new venture funds Real estate headwinds for investors Tariff refunds on the way Ticking tax bomb on forgiven student loans 
 
 
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 - AI Money Impacts, Side Hustle Salad Days, & Sullen Savers #1113

Joel married into a family of teachers. His father-in-law has spent nearly 40 years in the classroom, his mother-in-law has taught for 30, and his brother-in-law is an outstanding Spanish teacher. While it’s clear that every one of them truly loves their work, we also know that passion alone doesn’t pay the bills. Teaching requires some real sacrifice, especially in today’s economy. And while no one enters the profession expecting to get rich, we believe that shouldn't mean teachers are destined for a life of financial stress or a mediocre retirement. In fact, our guest today argues that those assumptions are flat-out wrong. While educators face unique financial hurdles, they also have powerful, underused advantages. When those tools are understood, retiring comfortably isn't just a dream - it’s a reality. Shaun Morgan is a full-time teacher who is just as passionate about teaching personal finance to his fellow educators as he is about his work in the classroom. Some of the topics covered in this episode:
 
 • How teachers can achieve financial independence with the right strategies
 • Public service loan forgiveness is a significant advantage for teachers
 • Overcoming the “teacher vow of poverty”
 • Budgeting on teacher pay cycles
 • Stop spending on classroom supplies
 • Pensions vs defined contributions plans
 • Understanding 403b and 457b plans
 • The role of side hustles
 • And plenty more!
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 Teacher Money Show: • If you’re an educator, look for the 
Teacher Money Show • wherever you listen to podcasts.
 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.

Are Teachers Doomed to a Broke Retirement? w/ Shaun Morgan #1112

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 - Raise vs lifestyle: Should I take a 50% pay increase or maintain the flexibility of working from home?
 
2 - Nvidia: How do I go about rebalancing my portfolio when I have $800,000 of Nvidia in my brokerage account?
 
3 - Feedback: Maybe Joel is being cheap not frugal and should you really let a medical bill go to collections?
 
4 - Insurance: What’s the best way to get an agent to shop multiple different providers to get me the best deal?
 
5 - Books: My son is 25 years old - what book should I get him to help kick off his personal finance journey?
 
 
 
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 Delirium Tremens by Huyghe Brewery! 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 - Debating a Raise vs WFH Flexibility, Investing in Nvidia, & Digital Hygiene Frugal or Cheap #1111

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:
 
 Jump at the pump We have ‘oil insurance’ Most fuel efficient cars Cheapest new cars Fewer work from home roles Lack of job-hopping leverage We’re all time poor 401k raiders HELOC pillagers Small biz 401k plans on the rise Joel hates cashmere Printer companies have us over a barrel Affordable Apples 
 
 
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 - Jump at the Pump, Lessening Leverage, & Tapping Too Soon #1110

Joel met Phil halfway through a marathon a few months ago – literally in the middle of the race. It’s funny how life works and after running side by side and chatting for half an hour it was clear he’d only scratched the surface of his story. Phil Sanders is a serial entrepreneur and like most entrepreneurs, not every venture has been a home run. He’s experienced the highs, the lows of bankruptcy, and everything in between when it comes to building businesses. Today, Phil runs a company called Multiply, where he helps business owners sharpen their strategy, build more successful companies, and he’s here today to share some of his hard-earned wisdom. We discuss:
 
 • How Phil is balancing current enjoyment with future savings
 • Profitability should be a primary focus from day one
 • Overcoming ego and temptation to find identity in work and business
 • Identifying what you want out of your business
 • How bankruptcy can lead to personal growth and new opportunities
 • Vulnerability and overcoming fear to building strength and resilience
 • Embracing change for professional and personal growth
 • And much more!
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 Phil: • his 
financial services and strategy business is Multiply • , and you can keep up with 
him on LinkedIn • and 
Instagram 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.

Bouncing Back from Bankruptcy & Business Failure w/ Phil Sanders #1109

For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out!

 
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See omnystudio.com/listener for privacy information.

The 4th of July! #026

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