I have never had any educational training in the realm of finance. Unfortunately get a super late start, but these guys have really helped guide someone who was scared to jump in the investing world. Always thought credit cards were the devil until coming across this podcast. I drive 100 miles one way to work, so it's nice having something to fill that time with helpful information and guidance.

Solid personal finance advice from a couple of millennial Christian dad types. Caters more to young able-bodied people and not so much to seniors, disabled etc. Still, learning a ton.

I have listened to the show a few years now, and realized I have never left a review! This show is full of great advice and is an enjoyable listen as well. Joel and Matt give very realistic advice, and definitely know their stuff!

Thanks Joel and Matt for making my weekly drives fun and helpful with your delivery and many tips.

Good advice delivered in an entertaining way! Easy to digest information - cheers!

Joel and Matt paid me to leave 5 stars. Totally kidding! This show has taught me so much about personal finance, helped me stick to my money goals and continues to inspire me to explore how to better my planning. Can’t thank this show enough!

I’ve learned so much and continue to. Listen every week. Wide variety of topics and always interesting and helpful. You can tell they are besties, great chemistry while still individually having a unique points of view. Started my HYSA because of their advice. I’ve made more interest in the past 3 months than I’ve probably ever earned from my savings at my CU. Thanks for formatting the subject of money into something enjoyable and easy to digest.

Love you guys and listen all the time. So much knowledge I get from you guys! Small caveat-maybe don’t say “more then one way to skin a cat.” Since we all love our pets! Looking forward to your Friday flight as well!

I’ve been trying to improve my financial literacy over the past few years and Matt and Joel are the best!! They teach without being preachy or boring, and listening to them almost feels like I’m hanging out with old friends. Friday flights are my favorites!

Coming from a family that didn’t talk about money and sucked at managing it, I knew absolutely nothing about anything money related. When researching how to’s I often found them unrelatable and with impossible goals. How to money breaks things down to the simplest terms, has achievable goals, and their hosts seem like regular guys that I can relate to, instead of someone talking down to me. And when I did ask a question, they quickly responded and didn’t make me feel stupid. I listen to many podcasts (not money related) but this is my favorite.

Love this podcast. Really enjoy Matt and Joel’s take on money and life in general. They always provide good tips and guidance.

Two dudes with as much personality as a wet paper towel try desperately to be funny and interesting while regurgitating the same tired surface level advice over and over again.

Began rethinking the way I use and view my money when I started listening to these guys. While I have added a couple podcasts to my queue, this is one that I am certain to listen to every episode. Thank you for what you guys do and your well rounded insights!

Matt and Joel, love the show, have been listening for years. I consider myself a money nerd and your content really helps push me to expand on the ways I can be smart with my family’s finances. Keep doing what you are doing!

And honest, realistic approach to everything you want to know about money. Additionally, Matt and Joel, talk about traveling, saving, retirement, and a whole array of other applicable topics. I highly recommend this podcast, these guys are awesome!

I discovered this podcast about 6 months, and it has helped transform my financial way of thinking. I thought I was good with money until this podcast. As a young millennial woman, it has taught me so much! Keep doing what you’re doing guys!

Down to earth, great topics and I particularly love the frugal or cheap convos. I wish I had the same interest in craft beer, but we vibe on about everything else!

I started listening at the beginning of October 2023 and I have played all the episodes from the beginning of 2023. Keep up the good work

Just kind feels impersonal and there are to many ads. Other financial podcast out there that are just as quality with less ads.

Matt and Joel have a library of information here presented in an easy to digest format. Their show makes navigating the world of financial wellness attainable with every episode. They are also very engaging and happy to answer questions either via email or on their podcast. As a fellow money nerd, I have friends reach out to me with many financial questions. I regularly share How To Money episodes as an easy reference and would highly recommend this podcast to beginners and experts alike!

I love this show and it is also fun and digestible! Joel and Matt really know their stuff! One small suggestion is please please create more content for unmarried but long-term committed couples! Seems like so much of the couple advice is for people who are dating > maybe living together> engaged > married > have kids ( maybe and then have drastically different incomes in this phase). As someone in a long-term committed relationship but who isn’t legally married, I need more advice all around in money as a couple, especially when your spending habits and desires in wanting to talk about money differ. I do see your show lately opening up more often to guests who talk about advice for people in different family situations than the two hosts, and appreciate it so much! Hoping to see more of this, because with so much content out there entirely focused on legally married people, I’ve been feeling unseen. 7% of US adults are cohabiting with an unmarried partner. This number appears to now be growing amongst highly educated and middle-income to upper middle-income earners— I bet that’s a lot of your audience! Thanks for being such a wonderful guide in all things money!

It’s interesting to see how these two have transformed since their post covid boom of listeners. Matt has completely turned me off from the podcast. He constantly likes to insert his political commentary. We get it Matt, you hate democrats and you love capitalism. Mostly because it has probably benefited both of you since you were the lucky ones to have millions in Atlanta real estate since you purchased when homes were affordable in one of the most expensive intown neighborhoods. I can’t take this pair seriously anymore. Also to the advertisers who pay them money, no one is listening to their million ads. We just fast forward.

Wow. Listen to two cheap and entitled men use phrases like, “girl math.” Ugh

Matt and Joel make personal finance so approachable and entertaining. They give practical advice, have great guests on the show, and I learn something from every episode! You can tell they’re truly passionate about what they do! If you're looking for a personal finance podcast that's informative, entertaining, and practical, I highly recommend How To Money. It's the best personal finance podcast out there!

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How to Money is the go-to podcast for accessible, jargon-free financial advice. Joel and Matt make you feel like you're chatting with friends while delivering crucial money tips. A must-listen for anyone wanting to live a rich life without getting bogged down in financial lingo. Five stars!

Circa 2008, after a long day of up selling financial products to small business owners, I found myself at a bar in La Jolla, CA having a delicious Stone IPA to wash the foul taste of Wells Fargo from my mouth. Behind me, I overheard two dudes discussing this interesting thing called universal life insurance. One of the guys was completely for it, calling it a wealth hack; the other was pretty skeptical, calling it a scam. They went on and on about these various details of life insurance policies, and I was so captivated by their conversation, I continued to eavesdrop. When the waitress came around a second time for their order, they asked for another minute to review the beer selection. One guy settled on a Ballast Point IPA, but the other couldn’t decide. I chimed in and said “The Stone IPA is pretty good,” gesturing to my glass. “Right on man, thanks!” And he ordered the beer. That was my opportunity to learn more about this insurance product they were talking about, so I asked and the three of us drank beers and talked money for another hour or so… it was a pretty great experience and I have never seen or heard from them since. That’s what this podcast reminds me of. Matt and Joel have great chemistry and a firm command of various financial topics. I have about a 30-minute commute to work each direction which is usually the perfect round-trip time to crush an episode. I have listened to many podcasts, and I can confidently say that between the great topics covered, the credibility of the guests, and the overall quality and format of the production, this is the best financial podcast available.

I’ve learned so much and now I really have taken control of my finances. Great beer recommendations too!

Love the down to earth nature of this show. It’s helpful, fun, and informative. If you want to make improvements to your finances, listen to HTM!

Matt and Joel do a great job providing accessible financial guidance. The money gears are practical steps to a better financial future. Moreover, they regularly provide content that is thoughtful and researched! This is a welcome departure from the recent trend of people willing to do anything to get views. They add value to the podcasting experience. Thank you.

Don’t like beer but love the podcast. It’s nice to have a younger more relatable hosts. They interview great people on the show!! I found my favorite blog thanks to them. And 3 years later I am still a big fan.

I have been listening to this podcast for years while I drive and cook and feel so much better about my current circumstances and future opportunities with money! I appreciate the consistent and practical money advice with some humor woven in. Thanks!!

Matt and Joel do a fantastic job making financial topics digestible and entertaining for all. Love listening to their banter every other day!

I love this podcast and recommend it to anyone with money questions. Topics are covered in an accessible way, and after binging all the episodes (sad to be caught up) I feel much more confident with money matters. My mom says I talk like an accountant now 😳 whoops!

This show is great, it has helped teach me a lot in my young adult life in ways that no one has ever taught me. And finally someone who appreciates good beer. Cheers boys 🍻

I’ve been listening to Matt and Joel for a few years now. They were the first personal finance podcast that I have stumbled upon when I first discovered an interest for personal finance, and to this day, I still continue to listen to them religiously. These guys are wholesome people that you can easily relate with. They’re so easy to listen to and always have intriguing conversations about not just personal finance but things that are happening in their personal lives that have helped me. Matt and Joe have been a huge blessing to myself, my family, friends, coworkers, because of what they taught me, I have taught others. They literally changed my life as well as many others for the better. Matt and Joel many thanks for the helpful information you provide all of us & keep up the great work y’all!!! Much love from Jason in PA

The podcast is really intriguing! Matt and Joel do a phenomenal job of explaining their thoughts/opinions simplistically so everyone can understand, but not dumbing it down too much. They also engage with the community well. It’s fun to see. Well i guess listen to, haha! Overall great show!

As someone who does enjoy a little Dave Ramsey from time to time, I can tell you that this podcast far surpasses any Ramsey podcast! I have listened to many financial podcasts, but How to Money is the only one worth subscribing to. Their approach is humble, and their advice is practical and capable of being easily implemented by anyone in any tax bracket. This is a money podcast with true substance!

This show is a great resource for me. I come from a family that was always broke and had no idea how to manage my money and this show has taught me so much and introduced me to so many resources. Thank you for all the help as I went from no benefits and nothing but a bank account to someone who actually knows about the alphabet soup that is our financial system.

Love these guys and have listened to them for over a year. They give relatable advice that will improve your personal finance situation and knowledge. They’ve saved me thousands of dollars with tips and insights over the last year. Thanks guys!

We have been listening to the guys for, what seems like, forever. We started almost five years and have gone back to listen from the beginning. I stopped listening to everyone else when my commute to work shortened. They are my top priority! Always informative and fun! Making all of our adult children listen also. Cheers guys!!

How to Money has totally transformed how we handle our money. I’ve listened to every episode and it has inspired my wife and I to save more, keep an eye on spending, and even become debt free! I enjoy Matt and Joel’s banter and talks about bikes, beer, family, etc. My only gripe is that we don’t have Aldi in Colorado so I can’t share in their love affair with Aldi, but hey maybe someday. Thanks Matt and Joel for an awesome podcast!

Always love listening to Matt and Joel! They make finance easy. I’ve been able to spread the knowledge I’ve learned from them to family and friends and helped several of them open their Roth IRAs! Thank you and keep it up! - Corey

Your topics are current- always on point. It’s so much like having a normal conversation - love it! Full of great information. Great advice. And yes- stop speaking of skinning a cat! 🙀 I love my cat! Keep doing what you’re doing

Love the show! Very informative while still being fun to listen to. Love the craft beer reviews at the end of the of some of the episodes. My craft beer equivalent is also craft beer. Burial is one of my favorite breweries. Cheers!

Real informative and fun, funny dudes!

Listening to Matt & Joel is so easy - their banter and genuine friendship comes through in every episode, making the topic of personal finance approachable. They discuss practical ways to manage money, and also share (just enough - not TMI!) of their own personal experiences to make them credible experts. Their content is somehow not repetitive, except for the key concepts that they promote (Money Gears, Craft Beer Equivalent!, Frugal or Cheap?) and they back it all up with a great web site, weekly newsletter and lovely Facebook group. Keep up the great work, guys!!!

Welcome to the best personal finance podcast out there! Matt and Joel make learning about finances fun and easy while providing actionable methods of growing wealth, living a meaningful life and preparing you and your loved ones for the future. If you’re looking for “get-rich-quick” schemes or absurd predictions on individual stocks, look elsewhere, but if you want to truly get to the heart of living a happy, consistent financial life, look no further.

Excellent podcast, me and my wife just recently got married and been taking a lot of good things from this podcast

Love the Friday Flights, lots of great information in short segments. Perfect for my 30 minute commute MWF! Very personable and realistic hosts.