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 - How should I account for inflation when using the 25x rule to forecast my retirement?
2 - Are sites like RateGenius and Autopay legit places to refinance my car?
3 - I have the cash on hand to build an Accessory Dwelling Unit (ADU), but should I use a construction loan instead?
4 - Should I stick $6,500 into a Roth IRA, a Health Savings Account, or a 457b?
5 - Listener win: reaching out directly to a company resulted in cash in my mailbox!
 
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 Festbier by Bold Monk Brewing 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! See omnystudio.com/listener for privacy information.

Ask HTM - Inflating the 25x Rule, Online Car Refinancing, & Affordable ADUs #727

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: 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.

Conscious Capitalism w/ Whole Foods Founder John Mackey #830

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 - Is perpetual homeowners insurance the everlasting gobstopper of insurance products?
2 - How can I reduce my property tax assessment?
3 - What important factors should I look out for at a living trust presentation?
4 - Should I consider a health sharing plan to save a ton of money every single month?
 
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 Mexican Cake by Westbrook! 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 - Perpetual Homeowners Insurance, Deflating Your Taxes, & Paying Less for a Living Trust #829

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: public property foraging, FREE cell service, delinquent payments on the rise, more Gen Z credit card debt, phantom debt, chargeback safety net, political investing, Nancy Pelosi index, international exposure, and the Social Security time bomb.
 
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 - FREE cell service, Phantom Debt, & Politicized Investing #828

Apprenticeships aren’t just for blacksmiths! The notion that an individual could earn a living, while simultaneously learning how to do their job is such a foreign concept. That’s certainly not how we do things here in America where more folks believe that it takes money to make money! In recent decades more individuals have subscribed to the idea that you have to go to the most expensive college, take on a boatload of student loans, and saddle yourself with years of debt if you want a decent job that pays. Some of the most selective universities are quickly approaching the $100,000 mark… for a single year of college. Nothing has risen faster than the price of college over the decades. But, what if there was another way? We’re joined by education and workforce expert Ryan Craig who says that there are alternatives. His book, Apprentice Nation explores how a modern apprenticeship system will allow students and job seekers to jump-start their careers by learning while they earn, leading to greater workforce diversity and geographic mobility. Hear why other countries are beating us at the apprenticeship game, the types of industries that would greatly benefit from apprenticeships, why college and apprenticeships aren’t mutually exclusive, where you can go to find the best learn and earn programs today, 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 an Adjustable Rate by Inner Voice! 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 - Inflating the 25x Rule, Online Car Refinancing, & Affordable ADUs #727

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