How to Money

Now we know that baseball is America’s pastime, but is there any other sport that is more ingrained in our culture than football? And is there anything more wholesome than parents encouraging their kids to play football in order to learn teamwork, develop their athletic prowess, and develop friendships while having a great time? That may have been true 30 years ago, but the rise of CTE (chronic traumatic encephalopathy) has given parents pause as we’re now seeing something close to 35% fewer kids playing the sport now than played 10-15 years ago. The value proposition has changed as we’ve learned what the longer-term impacts of all of those hits to the head means for athletes. Well we believe the same thing is true when it comes to higher education. Due to the higher costs of college, the massive student loan burden, and other false assumptions about going to college, we want all high school grads to think long and hard about whether college is the right choice for them. Listen as we discuss the factors to consider to maximize your ROI of attending college, some great alternatives to going straight from senior year to a university, and then some questions to ask yourself to help you decide.

During this episode we enjoyed a Foeder Bier by Southern 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!

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This is the episode you need to listen to if you’ve been making excuses for not getting into real estate investing. Our interview today is with Brandon Turner who quite literally wrote the book on investing in real estate. He has published many books on the topic including “The Book on Rental Property Investing: How to Create Wealth With Intelligent Buy and Hold Real Estate Investing”. He was also a former host of the Bigger Pockets podcast with over 100 million downloads and of course that’s a show that’s all about real estate. And today our conversation covers Brandon’s story- how he first got into real estate, how as an entrepreneur he keeps work from overtaking his life, how you can choose an investing strategy, how you should approach cash flow vs appreciation, what to do about current housing market conditions, if being a landlord is ethical, and more!

During this episode we enjoyed a Do or Die: Spiced Chocolate Stout by Orpheus 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.

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead during these trying times. In this episode we cover some relevant and helpful stories like: scoring some HTM socks!, finally time for a recession, ginormous jackpots, using dumb personal loans to build wealth, fintech promising too good to be true savings rates, Overdraft Protection Act, the case of the $5,000 Springsteen tickets, expensive algorithms, fake reviews, student loan pause likely to be extended, geriatric roomates to save big, going with store brands, and conspicuous consumption if you’re into foot stuff.

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.

We, as human beings, avoid pain. Nobody likes to break their collarbone while snowboarding, cut their finger while chopping up some veggies, or even stub their toe on the leg of the high chair. And of course that immediate pain communicates to us that something is wrong- it keeps us from further hurting ourselves. But then oftentimes there is some inflammation or swelling that occurs after the fact. And that’s not a sign that you’re hurting yourself, but it can actually be the first steps that your body is taking in order to heal your injury. So in a way that ongoing pain from any swelling could be seen as a good thing! Though uncomfortable, it can be a sign of forward-looking health. And similarly, we’re attempting to take a more positive approach to what seems like the disconcerting problem of a shrinking middle class. We actually think there is more good than bad happening with a middle class that seems to be hollowing out. Listen to find out why this seems like a bad trend at first glance, who has been climbing the financial ranks, who is actually considered ‘rich’, what this means for you, and then finally what you can do to get ahead with your finances.

During this episode we enjoyed a Stiegl Radler Zitrone (fancy-speak for lemon)! 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.

We’re kicking off the week by answering 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 - Is it ok to splurge on a cup of joe at my local coffee shop when my financial situation has gotten more burdensome?

2 - What are your thoughts on how we should be taxed here in the US?

3 - How much should I investing into NFTs?

4 - Does it make sense for me to keep paying on a home warranty plan that I inherited?

5 - Am I spending too much money on life insurance?

During this episode we enjoyed a Milkstachio 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.

Time for our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead during these trying times. In this episode we cover some relevant and helpful stories like: European travel discounts, making yourself take some time off, rising costs of pet sitting, WTD with that drawer of gift cards, decelerating rents, the demise of thrifting, $18 for heated seats, everyday payday, coupon culling, & the easiest way to create a will.

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.

We talk a lot about finding free stuff on the side of the road, in HTM parlance, curb alerts! It’s a great way to reduce waste and save money if you’re able to find something that you’re needing, and it just so happens to be sitting there on the curb for you. But if you find yourself driving around town for a few hours every night after work in hopes that folks have abandoned a neat tchotchke that you may or may not actually need, then you might be dedicating too much time to the pursuit of free stuff. Similarly, streaming subscriptions can be a wonderful thing- they’ve been able to deliver some amazing content to hundreds of millions of people. But if you have too many streaming companies set to autopay, not only is it consistently draining money from your bank account but it’s also stealing your most limited resource- your time. Listen as we tackle why it is we stream in the first place, how to cut the cost of streaming, how to stream for free, and contemplate what else you could be spending your time doing as we challenge ourselves to spend less time on the couch to begin with!

During this episode we enjoyed a Benevolence by Flying Machine! 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.

For a certain subset of HTM listeners, it might be easy to not see the forest for the trees. You might naturally be drawn to the finer details of personal finance like expense ratios and Excel formulas in an attempt to ensure that you’re living the most efficient and optimized life that you possibly can. But, that’s when the subtle shift can take place. That’s when the means to the end begins to overshadow the actual end, which for many is to simply live a good and happy life. Instead, we should live our lives with the end in mind and that’s why we’re talking with Dr. Jordan Grumet, also known as Doc G. Jordan was an internal medicine physician when he discovered the personal finance community. Since then he started an award winning podcast and is now the author of Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life, which will be published in a couple of weeks. Listen as we discuss meaningful work, resisting the traditional American work culture, what it takes to set priorities in life, and much more!

During this episode we enjoyed an Indolence, which is an American sour, by Pretentious Barrel House! 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 our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead during these trying times. In this episode we cover some relevant and helpful stories like: we’ve got socks!, Joel’s top Costco picks, house hacking to live rent or mortgage free, monthly savings rate in the dumps, concerts on credit, coping with a shrinking portfolio, the real threat to your investments, big wireless ratcheting up their rates, stamps aren’t immune to inflation, evaporating assets, car notes the size of mortgage payments, & pick your poison: clean your toilet or make a budget.

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.

A friend of ours writes a daily newsletter, and he recently featured a 74 year old named Paul who has lived inside of an iron lung since he was six years old. Paul was completely paralyzed due to polio from the neck down, and his disability means a life that most of us could barely imagine. But that didn’t stop Paul from achieving many goals over his lifetime- he taught himself to write with a pen in his mouth, he earned a college degree, and even went on to become a lawyer! We share this to highlight that there are a number of factors outside our control, and we should instead focus our energy on the things that we do have control over. There’s little that we can do when it comes to the economy, recessions, and inflation. But we do have a say over our personal finances- the financial foundation we build for ourselves, the money we spend, the money we invest, and the ways that we ensure a healthy and steady income. Listen as we cover all of that and more during this episode!

During this episode we enjoyed a 2022 Mexican Cake by Westbrook 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.