What the Fed cutting rates means for your wallet. It's not great for savers and potentially beneficial for borrowers. 


Ask HTM: Mike wants to use 529 funds for private elementary school. Is that a good idea?


529 funds are becoming more popular than ever. But should you stick your hard-earned money into them? The answer depends on how much progress you've made in your other financial endeavors. 


Ask HTM: McKenzie wants to know if she should complicate her investments just a bit. 

See omnystudio.com/listener for privacy information.

If an engagement is broken off, who should get to keep the ring!? Also, how to avoid burnout at work - limiting notifications.


Ask HTM: Orlo asks about 'buy now pay later' problems. 


Amazon is calling employees back to the office. We talk about how you should think about the migration away from WFH in a cooling labor environment. Also, coffee prices are going UP. That's bad news for caffeine addicts everywhere.


Ask HTM: Tim wants to know if he should opt for a more expensive healthcare plan in order to qualify for an HSA.

See omnystudio.com/listener for privacy information.

Matt and Joel are testing out US Mobile. It's been great and could save you big bucks! 


Ask HTM: How much is the right amount to put down on a home purchase?


Great news! There are more 401k millionaires than ever, according to Fidelity. You too can grow a million-dollar net worth via your tax-advantaged retirement accounts.


Ask HTM: How to close credit cards properly?

See omnystudio.com/listener for privacy information.

More Americans are being tempted to take out a HELOC so they can keep spending. Don't do it! Also, why shrinkflation isn't as bad as politicians want you to think.


Ask HTM: Will he interrupt the compounding process by opening up a separate IRA account? 


Do parents of college students need dorm insurance? Likely not. Also, Apple's new airpods can double as hearing aids. Pretty incredible! 


Ask HTM: What would an unrealized capital gains tax mean for your 401k. We discuss! 

See omnystudio.com/listener for privacy information.

More retailers are charging you if you opt for cash back. So much for the ol' stick of gum approach to snag $20! Also, we should abolish the penny. There's no need for it in 2024! 


Ask HTM: Should this listener buy a condo and do some house hacking?


Is the American Dream dead? It's at least becoming more expensive.


Ask HTM: Should I ditch an indexed universal life policy? 

See omnystudio.com/listener for privacy information.

People with a higher EQ earn more money. Soft skills are just as important as hard skills in the job market. Also, the Oasis dynamic pricing kerfuffle shows just how awful Ticketmaster is.


Ask HTM: More businesses are adding credit card fees to the tab. Is this the end of using credit cards to earn stellar rewards!?


Watch out for home title lock insurance pitches. It's not insurance at all and it's basically a giant waste of money! 


Ask HTM: A listener working towards PSLF wants to know which tax-advantaged accounts he should be contributing to. 

See omnystudio.com/listener for privacy information.

Car-free communities are en vogue these days. We love it! 


Ask HTM: Does it make sense to become a landlord and rent his condo out?


ATM fees have gotten out of control. But there are ways to eliminate those fees from your life!


Ask HTM: what to consider before moving back in with her parents?

See omnystudio.com/listener for privacy information.

Should boomer parents be providing the down payment for their kids!?


Ask HTM: What to do with excess savings!?


Phone locking rules could be changing soon. That's actually not a big deal. The key is to find a cheaper cell phone service, paying less each and every month! 


Ask HTM: how to leave a job if your employer is paying for an advanced degree!?

See omnystudio.com/listener for privacy information.

There are lots of economic proposals flying around right now from the Presidential candidates. Take them with a grain of salt! Are you better off renting or buying? Depends on what item we're talking about! 


Ask HTM: Should I take an expensive online course to learn how to invest in real estate?


Going into debt for Disney (or for a vacation in general) is a bad idea! 


Ask HTM: A listener wants to know which retirement account option he should choose.

See omnystudio.com/listener for privacy information.

The ludicrous headline of the week comes from Morning Brew and it's about how sports gambling is preventing many homes from traditional investing. That's really bad news! Also, having a good credit score is now considered 'sexy.'


Ask HTM: creating a will when you have young children


Another day, another data breach. The best response is to freeze your credit. 


Ask HTM: A listener just completed a money challenge. They've got a big sum of money on hand now. What should they do with it!?

See omnystudio.com/listener for privacy information.