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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

Money fights are one of the most common, and most damaging, sources of tension in a relationship. Whether it’s spending, debt, or mismatched financial goals, those arguments can quietly erode trust and connection over time. But here’s the good news: money doesn’t have to be the thing that drives couples apart. When partners develop healthy financial habits and learn how to communicate about money, it can actually strengthen their relationship. Which is why we’re excited to welcome Dr. Sonya Lutter to the show today. She’s both a marriage therapist and a financial planner, and she leads the Financial Health & Wellness program at Texas Tech. She brings a rare, research-backed perspective on how couples can keep money from becoming a stumbling block and instead make it a source of teamwork. Today we discuss: 
 
 • How financial therapy combines finance and emotional support
 • Perception of financial wellness often differs from reality
 • Financial stress impacts decision-making abilities
 • Biological responses to stress affect financial decisions
 • Regular financial conversations can prevent conflicts
 • The most common relational dynamic that leads to money fights
 • How financial infidelity can be as damaging as sexual infidelity
 • And much more!
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 Sonya: • All things Sonya over at her website, 
SonyaLutter.com Credit card perks: • Check out 
our favorite credit cards • that we use to maximize rewards and optimize our spending.
 Money Gears: • knowing 
what to do with your money • is crucial to your personal finance journey.
 Newsletter: • Sign up for the weekly 
HTM newsletter • . It’s fun, free, & practical.
 Other money nerds: • Find a thriving community of fellow money nerds by joining the 
HTM Facebook group! 
 
 
And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!
 
 
 
Best friends out!

See omnystudio.com/listener for privacy information.

Talk About Money Without Fighting w/ Dr. Sonya Lutter #1100

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 - iBonds: What is the actual rate that I’m earning and should I dump them to fund an ADU (Accessory Dwelling Unit)?
 
2 - Trusts: Should I implement a trust in order to protect my sizeable investments in my taxable brokerage account?
 
3 - Roth conversion: Do I need to let my Roth conversion sit for 5 years before I’m able to tap it?
 
4 - Precious metals: Is now the time to sell the silver I invested in years ago?
 
5 - Down payments: To what extent is it illegal to tap a HELOC to fund my next home purchase?
 
 
 
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 Cerberus Nocturne Vanilla Porter 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 – ADU vs iBonds, Timing a Silver Sale, and HELOC Unlocking Landlord Status #1099

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:
 
 Mr. Beast meme coin The Lipstick Effect Non-negotiable travel Travel as a work perk Stretching your dollar with Goodwill Vanguard making your investments more affordable You’re now taking on nondiversification risk Gold and silver tanks In-car advertisements Less Model X more Optimus Affordable car insurance for FSD Moving to lower COL states DIY solar 
 
 
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 - ‘The Lipstick Effect’, Cheap Chinese EVs, & DIY Solar #1098

Jumbo shrimp. Open secret. Bittersweet. We call these oxymorons - ideas that shouldn't work together, yet somehow do. Most people put 'frugality' and 'hedonism' in that same category, assuming you can't have a blast while saving a buck. But our guest today, Annie Raser-Rowland, is here to shatter that myth. An Australian horticulturalist and author, Annie argues that true pleasure isn't bought, instead it’s found in the more sensual and free moments we overlook when we're too busy working to pay for things we don't need. Today, we’re exploring how to live an excellent, joy-filled life that doesn't require a massive income or a single dreaded coupon. We specifically touch on:
 
 • Spending a quarter of the typical person
 • Why Annie believes that experiences provide more joy than material possessions
 • How community and interdependence enrich our lives
 • Setting long-term goals can motivate frugal habits
 • Literary figures and role models can inspire us to live more fulfilling lives
 • Advertising influences our spending habits negatively
 • And plenty more!
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 Annie: • 
The Art of Frugal Hedonism • is the book, and learn more about Annie and what she’s up to at 
her site • .
 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.

The Case for Frugal Hedonism w/ Annie Raser-Rowland #1097

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

To DIY or not to DIY… you can almost hear that being said in the voice of Hamlet (the Kenneth Branagh Hamlet not the Mel Gibson one, of course.) But while this question is not nearly as existential as the one Hamlet poses, it’s one that we all increasingly find ourselves asking. On one hand you DIY everything in order to save as much money as possible and in the process you also gain a tremendous amount of knowledge- but do you have enough time to live your life? And on the other hand you outsource and hire a pro as often as you can and for the most part you know that the job is being expertly performed by a professional- but do you have enough money to live your life? So we’re establishing a helpful framework for you to make better decisions in today’s episode. We’re focusing on better decisions because there isn’t going to be a right or wrong answer. That’s up to us as individuals and our own specific situations, but we can all go about asking ourselves the right questions when it comes to whether we should DIY or hire a pro.

During this episode we enjoyed a Bell’s Two Hearted Ale- a big thanks to Chris and all of our friends at the brewery 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!

 
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See omnystudio.com/listener for privacy information.

When to DIY or Hire a Pro #437

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