How to Money

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 a stocks only portfolio diversified enough for financial independence or do I need to include real estate?

2 - What’s the best way to get rid of an RV that I’m upside down on?

3 - Where should I park cash that I’m saving up for a down payment, or should I invest those funds?

4 - For my credit score: is credit utilization calculated on each individual card or the total credit available across all of my cards?

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 Ash by Humble Forager! 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.

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: NO to the cash-out refi, Trump 2.0 and your money, Melania coin, feds returning to the office, insufficient savings, ghost jobs, WFH job scammers, TOYS are a scam, why the rise of touchscreen kiosks, everyone is tipping less, ballooning escrow accounts, & apartment rents on the decline.

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.

When most folks hear the word “sabbatical”, their mind probably goes to a professor with a tweed jacket, who has earned tenure at a prestigious university, who is going to use that time to write a book. Or maybe your values are more Judeo-Christian based and so you think of a period of rest after 7 years. And while that might be accurate for some folks, our guest today would say that sabbaticals don’t have to be that serious or formal. But on the other hand, they’re not just an extended vacation where you’re sipping pina coladas on the beach! We’re joined by investment advisor Cady North who is the author of “The Art of the Sabbatical” and she’s going to share why taking a sabbatical might be more of a reality for everyone listening. She shares why work breaks are more necessary in our modern economy, what a sabbatical is and isn’t, how to approach the idea with a spouse or partner, gathering the social support around you ahead of the decision, parlaying the benefits when you return to your job, a simple formula for being able to take a sabbatical every 5 years, and much 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.

• 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 Ticker Shock by Other Half 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.

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 do you financially justify investing more in your house as opposed to investing in the stock market?

2 - Is it time for me to shift to more conservative investments within my 8th grader’s 529 Account?

3 - With a big dental bill coming up, should I use funds from my taxable brokerage or from my Health Savings Account?

4 - Being self employed, how can I ramp up my retirement savings with a sweet one year contract coming up?

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 Reciprocal by Bissell Brothers! 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.

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: vetted LA wildfire charities, awful AI advice, booming BNPL, finding happiness in all the wrong ways, spending to please others, crack cocaine of the stock market, sports gambling, unserious CFPB, Skechers kicking butt, the rise of store brands, and frittering away on fitness.

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.

SMART goals are out, CRUSH money goals are in! We’re joined today by expert money coach Bernadette Joy, who we met for the first time last year at the nerdy personal finance and media conference that we attended. We actually gave a talk, while Bernadette was the host for the entire conference, and there may not be anyone else on earth with as much personal finance enthusiasm as Bernadette. She’s a breath of fresh air to the world of personal finance and is featured monthly in Forbes, CNBC, and CNET. Her new book, Crush Your Money Goals, came out last month and we were stoked to discuss a number of topics like clawing out of $300,000 of debt, scaling side hustles into legit businesses, why Bernadette hates the term “emergency fund”, her $1 Rule, a new take on the Shabbat, and plenty 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.

• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed an Asahi Super Dry! 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.

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 the Sahm Rule Recession Indicator impact my investing?

2 - Why would my financial advisor recommend against going with a Roth IRA?

3 - Does it make sense to go with the new Halfmore app to set up a retirement account for my kids?

4 - Should I use an inherited retirement account to pay for some big upcoming expenses?

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 switched it up and enjoyed some quality coffee- Play Nice roasted by Methodical Coffee. 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.

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: low cost insulation, best months to buy new and used cars, thousand dollar car payments, bougie extra bedrooms, what medical debt?, credit score supremacy, avoiding alts, risky business, points purgatory, credit card defaults, and gift card spillage.

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.

What does it mean to pursue joy and purpose in your life? Is it some sort of never-ending scavenger hunt, where we’re hoping to find something that is just out of reach, hidden behind the next corner? Or is it something that we’re able to achieve because it’s something that we’ve created? Our guest today would argue that it’s more of the latter! We’re joined by our friend Dr. Jordan Grumet to talk less about the what and the how behind personal finance, and more about the why, and how our money is one of many tools that will allow us to achieve our individual sense of purpose. His new book, The Purpose Code, delves into these amorphous topics in a way that allows readers to have clarity, understanding, and even a to-do list as Jordan prescribes some simple actions that we can take now that will allow us to surely but steadily find fulfillment. Listen as we discuss the difference between “Big P” purpose vs “little p” purpose, the intersection of happiness and money, one of the foremost markers of a happy life, and plenty 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.

• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

During this episode we enjoyed a Coffee Lager by Steel Hands Brewing – a massive thanks to Mary S. for sending this one our way! 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.

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 - When is it finally time to ditch an old car and upgrade?

2 - Is it frugal or cheap to live off of only my wife’s income, in order for our son to qualify for more financial aid?

3 - Should I drop the escrow on my mortgage and take care of taxes and insurance myself?

4 - Buying silver at Costco… smart?

5 - Is it a good investment to go with an ESOP to buy Walmart stock?

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 Super Volcano Sauce by Aslin Beer 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.