How To Money Hour 1 (01/18) - Matt and Joel talk about longevity calculators and why it's crucial to think about how long you might live! Also, caps on credit card interest rates are a bad idea. Ask HTM: Andy wants to know about liability as a landlord and how to protect himself. It's truly possible to get free rent for a month or two in many Sunbelt cities. Renters have more power to negotiate these days! Should kids get paid to stay in school?

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How To Money Hour 2 (01/18) - Investing in Pokémon cards is being touted by influencers. But it's a highly speculative way to invest. Ask HTM: Josh (NC) wants to know about health sharing companies and whether they're a decent place to turn instead of traditional health insurance these days. Cable TV isn't on the decline like it used to be as streaming prices rise rapidly. Ask HTM: How should you respond if your employer decreases the 401k match!?

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Many student loan borrowers are going to be in for a rude awakening as wage garnishments are set to start this month for borrowers who are in default.

Ask HTM: Katie (WI) bought a camper with her emergency fund. Does tapping her HELOC to replenish the e-fund make sense? 

Tickets to the World Cup ain't cheap. Matt and Joel talk about how to think about buying tickets to expensive sporting events. 

Ask HTM: PJ wants to know if he should ask his gym to charge him more!

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Many young folks are becoming nihilistic when they think home ownership is no longer a possibility for them. 

Ask HTM: Andrew wants to know how to break his lease because he's got a baby on the way!

Overdraft fees are, once again, on the rise. We talk about how to avoid them altogether.

Ask HTM: Erin (MD) wants to know the best way to save and invest for the next generation.

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Hour 1: HSAs access is growing. Also, dollar stores are in trouble for regularly overcharging customers.
Ask HTM: Paul wants to know if he should pay off his mortgage or invest instead.
Target date funds are getting more complex and less appealing.
Ask HTM: Mary wants to know about more efficient ways to give to her church.

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Hour 2: Many real estate investors are finding themselves in a tight spot right now as market conditions soften.
Ask HTM: Rajet might need to move back to India to take care of his parents. How should he prepare financially?
The gamblification of America is getting worse, including supposed '100% cash back credit cards.' Matt and Joel issue a warning.
Ask HTM: Ethan wants to know if he should opt for a Roth or traditional account.

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Ask HTM: Max wants to know how much of a down payment to put down when buying a home.
Trump accounts are here! Matt and Joel parse the details about how to get the free $1k and whether these accounts make sense for other families. 
Ask HTM: Question about antics he experienced when buying a car.

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Ask HTM: Casey wants to prepare for his family now that he has a child with a disability.
What is the poverty line in America? It's certainly not $140k the way some folks might make you think!
Ask HTM: A HTM listener wants to know if annuities are a good investment product or not.

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It's getting harder to take advantage of high-end credit cards. Know the hurdles to earning rewards before you sign up for a card with an exorbitant annual fee!
Ask HTM: Tim wants to know about the ethical nature of filing a claim for a new roof when it's not truly damaged. 
Tariff rollbacks on popular grocery store items are quietly happening. It's a tacit admission that tariffs create higher prices for consumers. 
Ask HTM: Vicki wants to know if she should turn more of her investment dollars into Roth dollars.

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Apple has launched a new 'sock' to store your phone. It costs $230! Joel & Matt talk about ridiculous overpriced items. 
Ask HTM: Steve is worried about AI's impact on his small business. Should he change his investments? 
Electric vehicles are losing their luster. And prices remain high on EVs. Run the numbers for how you drive before you opt for an EV over an ICE!
Ask HTM: Jordan wants to know about switching banks and whether it's worth it or not.

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