Over the last 20 years, college tuition and fees have exploded- increasing by nearly 180% to the chagrin of many parents and high school seniors. But it turns out that you don’t have to pay that overinflated sticker price of a higher education. That’s what we discuss during today’s conversation with Ann Garcia, who is also known as The College Financial Lady. That’s the name of her site, where she also has a masterclass, and her book: “How to Pay for College” covers all the strategies you need to deploy in order to get your kid through college without wrecking your retirement. We discuss some of the surprising benefits of higher education, negotiating the costs of attending college, how to compare award letters from multiple schools, the proper way to view non-institutional scholarships, ways to start college-adjacent conversations with your kids, and more!
 
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Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
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During this episode we enjoyed a Spontanale by Mikkeller 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.

Demolishing College Costs with Ann Garcia #655

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.

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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 chargeback frugal or cheap, recession vibes, how low can groceries go, buying nothing, teens coming for your jobs, bagging work early, paying for friends, cars that are long in the tooth, addicted to autos, bookoos of bikes, affordable travel, and quiet vacationing.
 
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.
Find the best credit card for you with our new credit card tool!
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 - Recession Vibes, Addicted to Autos, & Paying for Friends #834

Stimmy checks, the productivity paradox, the housing theory of everything – these are just a few of the topics covered with our guest, Kyla Scanlon. It’s tricky to describe who Kyla is and what exactly she does because, yes, she has a massive following on TikTok… but she’s not simply an influencer. She also has an incredible newsletter, but she isn’t simply a writer, even though she has written for the Times, NY Magazine, and Bloomberg. AND, her brand-new book, “In This Economy?: How Money and Markets Really Work,” was just released yesterday. But we think that ultimately Kyla is an educator because she excels at bridging the gap between the complexities of our modern economy and everyday living. It’s clear that she is passionate about empowering individuals with the knowledge they need to make informed financial decisions. Plus, she does all of this with a touch of humor while not ignoring the philosophical angle as well… happy listening!
 
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.
Find the best credit card for you with our new credit card tool!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

 
During this episode we enjoyed a Flight by Yuengling! 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.

In This Economy!? w/ Kyla Scanlon #833

Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!
 
1 - How should I factor the equity in my current home as we’re shopping for a new home?
2 - What is the best way to keep track of how much cash my kids have saved while we’re out shopping?
3 - If I have multiple retirement accounts, which one should I prioritize if I’m looking to simplify?
4 - The competition for rentals in my city is fierce- how do I stand out and set myself apart?
 
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.
Find the best credit card for you with our new credit card tool!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

 
During this episode we enjoyed a Covista Cerveza by Rock Wall Brewing (Aldi)! 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 - Consolidating Multiple Retirement Accounts, Rolling Equity into a New Home, & Keeping Up with an Allowance #832

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: naming beneficiaries, forgetting football, home improvement ROI, should I stage or should I go, child care premiums, WFH indulgences, ignominious investing, 401k mistakes, persistent pensions, Roth IRA surges, and learning while you’re earning.
 
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.
Find the best credit card for you with our new credit card tool!
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 - Forgetting Football, Home Improvement ROI, & Ignominious Investing #831

John Mackey is the remarkable entrepreneur best known as the co-founder of the natural and organic retailer Whole Foods Market. In over 40 years as CEO, John has led the company as it has grown from a single store in Austin Texas, to 540 stores in the US, Canada, and the UK. He also co-founded the Conscious Capitalism Movement and co-authored the New York Times and Wall Street Journal best-selling book by the same name. He’s written a number of great books since then but we’re really excited about his latest which came out yesterday, titled The Whole Story: Adventures in Love, Life, and Capitalism. It’s part memoir, part lessons in entrepreneurship, and we couldn’t recommend it enough. Join us as we have a great conversation around the origins of Whole Foods, if it’s possible to eat healthy foods that cost less, capitalism under fire, how John define conscious capitalism, what it takes to start your own business, 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.
Find the best credit card for you with our new credit card tool!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

 
During this episode we enjoyed a Peak Mosaic by Hop Butcher for the World! 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.

Demolishing College Costs with Ann Garcia #655

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