@HowToMoney (1/19)

Hour 1: AI money advice is coming to an app store near you. But is it actually helpful? We think you should probably avoid it! 

Ask HTM: Eric wants to know if real estate needs to be a part of his portfolio or not.

Consumers flocked to BNPL apps this holiday season. That means they'll be paying off their holiday purchases for months to come. 

Ask HTM: Florina wants to know the nitty-gritty of investing in 529 accounts for her kid.

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@HowToMoney (1/19)

Hour 2: It's easier than ever to become addicted to almost anything these days. And the WSJ details how men are getting addicted to trading stocks. Matt and Joel have an honest chat about the importance of pursuing boring investing methods!

Ask HTM: Nathan wants to know if he should spend his HSA funds down or not to fund a dental procedure. 

Skechers is crushing Nike and Adidas. Matt and Joel document trends towards consumer frugality that are in full force right now.

Ask HTM: Elle wants to know how to invest as a contract worker.

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IRL hangs might be the key to saving money in 2025.


Decision fatigue is real! Matt and Joel discuss how to make a wise choice when presented with too many options.


Financial advice is more accessible than ever - and less expensive too. Matt and Joel document the best places to turn if you're in need of professional advice. 


Ask HTM: Jeff is retiring early. Woo hoo! He has a question about reducing the cost of his kid's college. 

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Binge shopping is a legit problem in the USA these days. We talk about how to combat that urge in order to reduce your spending this year! 


Ask HTM: Mike wants to know if he needs an escrow account or if he can DIY it instead.


Honey, the coupon code app, isn't as good as it seems. We detail the nefarious ways it has actually been taking advantage of creators and consumers.


Ask HTM: Costco is selling gold bars. What gives!?

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Hour 1: Watch out for money influencers on social media. Their info is often misleading! 

Ask HTM: Brandon wants to know if he's being frugal or cheap with a local small business.

Changing employers won't net you nearly as much of a pay raise as it did back in 2022. 

Ask HTM: A listener wants to know how to finance a study abroad trip

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Hour 2: Sports betting is becoming more of a problem. And users are tapping their investments to bet on their favorite teams. Not good!

Ask HTM: How to help a relative with a really big inheritance? 

People are buying more stuff these days and are also making more returns. Joel and Matt talk about the importance of knowing specific retailer return policies. 

Ask HTM: Mikail wants to know about how to go beyond newbie investor status.

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Hour 1: Joel discusses his Instacart hack to save money. Plus, should you stock up before tariffs in order to save?

Joel and Matt share their big money wins for 2024.

Should you be 100% invested in stocks? New research finds that you likely should! 

Ask HTM: Joe wants to know what he should be doing to aid his finances before EOY.

Links: US Mobile Review: The Best Low-Cost Carrier

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Hour 2: Memecoins are getting even more ridiculous. Fartcoin is somehow worth more than $1 billion!

Matt and Joel share a litany of listener money wins!

A new study finds that owning a home means you will live longer. Plus, the median net worth of homeowners is FAR greater than it is for renters. Should you go out and buy a home tomorrow? Not so fast!

It's time to share more listener money wins!

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Hour 1: EV charging can be cheap or expensive. It all depends on where you charge your ride.

A quick discussion about the ROI of rental property updates.

Inflation remains stickier than hoped. Coffee prices are up bigtime. Plus, YouTube TV just raised its price by a significant amount too.

Ask HTM: Chelsea wants to use her HSA properly. It's crucial to get those details right! 

Links: US Mobile review - cheapest unlimited cell phone plan.

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Hour 2: New research finds that a big chunk of retirees still have credit card debt. That's not good!

Ask HTM: Should this listener get whole life insurance?

Real estate investors are being forced to sell because of market conditions. We talk about how to protect yourself as a real estate investor.

Ask HTM: How do you know when you've saved enough for retirement and can slow down your investing efforts?

Links: How to save money on travel

See omnystudio.com/listener for privacy information.