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October 14, 2019
For this episode, we’re excited to hear from David Greene who is a nationally recognized authority on real estate investing. David has been on CNN, Forbes, and HGTV several times and he’s also a former police officer and current co-host of the BiggerPockets real estate podcast. He is the author of best selling books like “Buy, Rehab, Rent, Refinance, Repeat: The BRRRR Rental Property Investment Strategy Made Simple” and “Long Distance Real Estate Investing”. We not only hear his tips on what to look for when purchasing a solid investment property, but we also go back to his fortuitous beginnings in real estate and the type of mindset that is required in order to be a successful real estate investor.During this episode we enjoyed a The Explorer by Archetype Brewing- a big thanks to Brad and Corina up at Archetype for donating this beer to the show this week! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
October 9, 2019
It’s vitally important to discuss financial optimism because a LOT of folks have negative money scripts floating around their heads. Their pessimism hurts their current view of their money and their future financial wellbeing. How can we combat that? Financial optimism. We need to understand the good that currently exists in our lives and cultivate a hopeful attitude towards our finances. When we’re pessimistic about the current state of our financial health, it leads to inaction and that creates a cycle that secures that pessimism for the long term. It’s time to flip the script, change how we view our finances, and start doing awesome things with our money!During this episode we enjoyed a Caramel Macchiato Stout by Old Bust Head- a big thanks to Matt’s in-laws for donating this beer to the show this week! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
October 7, 2019
This week on the pod we’re answering your questions! 1 - What are some strategies to keep my healthcare affordable before Medicare kicks in? 2 - Financially speaking, should I be preparing to take care of my aging mom who is bad with her money? 3 - What kind of receipts should I be keeping up with as I manage my financial affairs? 4 - Are car subscription services, like Care by Volvo, a good way to pay for a car? 5 - Timeshares seem so cheap these days, are they a good deal?And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/askDuring this episode we enjoyed a Melange #14 by The Bruery- which you can find and learn all about on Untappd! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
October 2, 2019
With mortgage rates near all-time lows, now is a great time to consider refinancing. Pouncing on these lower rates can lower our monthly mortgage payment, allowing us to free up some money that was being funelled towards housing. But what else should we consider? Are you a good candidate for a refinance? And then on top of that there are also costs involved in refinancing that can make it prohibitive. In this episode we discuss the factors you need to consider, some great reasons to refi, and how to make sure you are refinancing effectively.During this episode we enjoyed an Old Tuffy by New Belgium- a big thanks to Maggy for donating this beer to the show this week! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
September 30, 2019
This week we’re excited to have our friend Brad Barrett join us on the podcast. Brad is co-host of the podcast ChooseFI, but before that he was a CPA who left his job thanks to his pursuit of financial independence so he obviously knows a thing or two about personal finance. However, Brad’s favorite topic is leveraging credit card rewards to save more money, and take trips you never would have dreamed possible! Listen as we kick things off by discussing financial independence, but then we dive into credit card rewards and the best ways to score those free flights and free nights.During this episode we enjoyed a sCAMPer IPA by UpCountry Brewing Co- a big thanks to our good friend Stacey for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
September 28, 2019
There's power, especially for young women, in talking about money: how much we make, how much we spend—and how money impacts our identities and our relationships. She Makes Money Moves, a new podcast from Glamour and iHeartRadio, is your invitation to join the conversation. Hosted by Glamour editor-in-chief Samantha Barry, She Makes Money Moves shares intimate, unscripted stories from women across the country along with advice from financial experts to help guide these women—and women everywhere—forward. Subscribe now to join us, as we help women raise their voices and make money moves.The first episode of She Makes Money Moves is now available. Listen here. Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
September 25, 2019
We have some really exciting news to share before introducing this Wednesday episode (and ironically enough, we discussed the cost of diapers at the beginning of this one)!Are we ready for a recession!? The economy has been roaring for close to a decade and corrections are inevitable. We’re not saying to pay uber close attention to the news cycle and the different predictions of the market tanking, but it is good to be prepared. And even if an actual recession never occurs, getting our personal finances in shape will allow us to be prepared for short-term bumps in the road- whether they’re market related, or purely personal. Give this episode a listen to hear our top tips on how you should recession proof your finances.During this episode we both enjoyed a Resilience IPA by Sierra Nevada which you can find and learn all about on Untappd. A big thanks to Felipe in Chico CA for donating this delicious beer! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
September 23, 2019
This week on the pod we’re answering your questions! 1 - Condos: are they a good investment? Should I consider one instead of a house? 2 - What are all the different types of auto insurance that are offered? 3 - I have whole life insurance. Should I cancel immediately or let it sit around to allow the cash value to grow? 4 - Unfortunately I’ve already signed up with a debt settlement company, but should I stick with them if they’re settling and negotiating my debts? 5 - Frugal or Cheap? I’m going out of my way for a free charge for my electric car.And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/askDuring this episode we enjoyed a Second Fiddle by Fiddlehead Brewing Co- another big thanks to Cameron here in Atlanta for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
September 18, 2019
Over the course of our lives, our habits become ingrained and the small things we do day after day shape who we become. This is especially true of our money as simple routines can be life-changing, but don’t forget the door swings both ways. While positive financial habits can lead to massive wins for us down the road, negative habits can lead to some pretty grim consequences. In this episode we discuss the ‘what’ and the ‘how’- what are some great financial behaviors to begin practicing, and how to stick with it and transform those behaviors into long lasting habits.During this episode we enjoyed a Heady Topper by the The Alchemist- a big thanks to Cameron here in Atlanta for donating this beer to the show this week! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
September 16, 2019
Tiffany Aliche is also known as the Budgetnista and her mission is to make life-changing financial education accessible to women worldwide. She’s been featured on MSNBC, The Today Show, Forbes- and earlier this year she was instrumental in a new law that passed in New Jersey that will have a massive impact on financial education. We also dive into her history with money and how even though she was raised in a household that prioritized money discussions, she still made some costly mistakes that left her broke before climbing out of that debt. Now, she has already helped over 800,000 women worldwide collectively save more than $100 million, and pay off over $75 million in debt, purchase homes, and transform the way they think about their finances.During this episode we enjoyed a Mountain Beer Kolsch by Telluride Brewing Co- a big thanks to Alex there are the brewery for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
September 11, 2019
Housing costs are a significant expense, gobbling up around 37% of most American’s take home pay- other categories don’t even come close! Spending less on housing will have an inordinate impact on the amount of money you’re able to save and invest, and house hacking is one of the best ways to achieve this goal. House hacking is a tactic that everyone should consider- whether you pay rent or have a mortgage, you’re a candidate for transforming a monthly expense into a source of revenue. Listen as we demystify some different approaches to house hacking as well as our personal experience with this valuable practice.During this episode we enjoyed Mosaic Coyote by Yellowhammer Brewing- a big thanks to Matt’s dad, Tim, for donating these beers to the show this week! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
September 9, 2019
This week on the pod we’re answering your questions! 1 - What should I do with my old employer sponsored retirement plan? 2 - Where should I invest being fresh out school and in my 20s? 3 - Solar- finance and take the tax credit now or wait and save to pay cash? 4 - I’m receiving 8k from the Peace Corps once I complete my service- what should I do with that money? 5 - Should I extend a line of credit to pad my emergency fund?And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/askDuring this episode we enjoyed a Nazionale by Birra Baladin- a big thanks to our buddy Andrew for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
September 4, 2019
We talk a lot about investing- whether that be in the stock market, in real estate, or in bitcoin (JK don’t ever do that)! But it’s not often that we discuss investing in ourselves- our personal capital is one of the greatest assets we have! The power to grow our income based on our unique skills is crucial as we develop personally and professionally. While many folks stop growing their knowledge and experience once they receive that diploma, challenging ourselves to grow in these areas can have a massive payoff down the road.During this episode we enjoyed a Whiskey Peach Cider by Western Cider Co- another big thanks to Rae in Missoula for donating to the show this week! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
September 2, 2019
Kristy Shen has an amazing story- from growing up in China on $0.44 a day to becoming financially independent at age 31 and travelling non-stop around the world. Kristy writes about money on her site Millennial-Revolution and shares her story in the new book she wrote with her husband called “Quit Like a Millionaire.” In this interview we cover a number of topics that range from her remarkable childhood and the surprising benefits of a scarcity mindset, all the way to analyzing what degree to pursue and her experience with geographic arbitrage.During this episode we enjoyed a Blood Orange Gose by Draught Works- a big thanks to Rae in Missoula for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
August 28, 2019
There’s a lot of crappy financial advice out there. Some sayings you might hear all the time and you’re not even sure where they even originated- maybe they’re more of a proverbial phrase. There are also bits of wisdom that might have been good at some point, but are now just outdated- it’s time to retire those old ways of thinking! And other phrases might just be broad blanket statements, but our financial landscape today requires a bit more nuance. We’re going to tackle some of these sayings and determine what we should and shouldn’t be doing with our money.During this episode we enjoyed a Golden Sabbath by Big Island Brewhaus- another big thanks to Cody in Hawaii for donating these beers to the show this week! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
August 26, 2019
This week on the pod we’re answering your questions! 1 - I’m moving to the beach, should I keep my current house as a rental or sell it? 2 - When applying for credit cards, what do I put as my income if I have irregular or unearned income? 3 - What should you keep in mind if considering bankruptcy? 4 - Instead of having an escrow account with my mortgage company, should I save the money myself? 5 - My sister is in college- where can she start investing money in a Roth account?And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/askDuring this episode we enjoyed a Moku Imperial IPA by Lanikai Brewing Co- a big thanks to Cody in Hawaii for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
August 23, 2019
Let’s talk about money — but not *boring* money. Entrepreneur editor-in-chief Jason Feifer and money expert Nicole Lapin go straight at the most taboo, awkward situations where money impacts our lives, relationships, and careers. In each episode they debate the trickiest questions, offering genuine financial advice about typically hush-hush issues. Then they bring in a celebrity judge to decide who’s right.The first episode of Hush Money is now available. Listen here. Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
August 21, 2019
Loyalty to certain brands, stores, or service providers could be costing you a ton of money. The same might be true when it comes to your devotion to an employer - your loyalty might be keeping you from earning more. There are times when loyalty is appropriate and justifiable, and we’ll discuss those instances, but just be mindful of where your allegiances lie. Sure, dedication can be great in your personal life with friends and loved ones, but we want you to question your loyalty, especially when it comes to faceless corporations where there isn’t any personal connection.During this episode we enjoyed a Fairy Nectar London by Kros Strain Brewing Co- another big thanks to Joey in Omaha for donating both beers to the show this week! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
August 19, 2019
Talking with your parents about their finances might prove to be a very difficult conversation- discussing religion and politics may even seem like a walk in the park compared to breaching the topics of retirement, long term care, and wills. Which is why we’re so thankful to have Cameron Huddleston join us to explain how we can go about having these essential conversations with your parents. She has recently published her book “Mom and Dad, We Need to Talk” and she is here to walk us through initiating and leading these conversations with our parents about their finances. Thank you, Cameron, for breaking this down for us and encouraging us to get started!During this episode we enjoyed a Fairy Nectar by Kros Strain Brewing Co- a big thanks to Joey in Omaha for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
August 14, 2019
Much of our financial life often revolves around one number- our credit score. It’s really important that your score is in a healthy range as it impacts loan terms, insurance rates, and even job offers. Luckily we all have free access to our credit scores, credit reports, and the steps we need to take to ensure that our credit score is in great shape. We’re sharing that information with you in this episode. Depending on your history, it could be a long road of rebuilding your credit, but boosting your score can help in more ways than you may even realize!During this episode we each enjoyed a Whitewall Wheat by Crank Arm Brewing- a big thanks to Cody in NC for donating this one to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
August 12, 2019
This week on the pod we’re answering your questions! 1 - Should I continue investing with an impending market correction? 2 - What should I do with the money I’m setting aside for new baby expenses? 3 - After some hail damage, should I fix my car or keep the insurance money? 4 - How does compounding work for investments like stocks? 5 - Do I have to pay quarterly estimates or should I invest that money instead?And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/askDuring this episode we enjoyed a Fancy Dance by Skydance Brewing Co- a big thanks to Patrick in Oklahoma for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
August 7, 2019
What do you do for fun? This might seem like a trivial question, but discovering your hobbies can have some pretty large impacts on your financial health and overall well-being. Of course we want to ensure that we’re pursuing frugal hobbies and that we’re being intentional by curating our interests. The mindless pursuit of expensive hobbies is never a good thing- but reaching the end of our working career and finding ourselves bored and restless sounds like a nightmare scenario! We live in a work driven culture, and so we need to cultivate these hobbies and interests now so that we have something to look forward to in retirement other than just ‘not working’. We talk long-term about our money all the time, so this week we’re talking long-term about our hobbies.During this episode we each enjoyed a Bourbon Barrel Peach Cider by Tieton Cider Works- a big thanks to Jenna there at the cidery for donating this one to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
August 5, 2019
This episode is chock full of personal finance gold. Sure, we spend a good amount of time talking about negotiating, but we also cover intentional spending, the psychology behind being smart with your money, and rethinking the money ‘truths’ we’ve grown up with. We are stoked to have Ramit Sethi join us as we cover all those topics and more, which can also be found in his book ‘I Will Teach You to be Rich’ (and stick around to the end as we’re giving away a few copies as well)! Ramit has written about personal finance for the Wall Street Journal and the New York Times and is a veteran in the personal finance community. Living a rich life is different for everyone and we’re glad to have Ramit Sethi on this episode to remind us to dream big.During this episode we each enjoyed a cold brewed coffee since we recorded this episode in the morning (back with craft beer next week)! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
July 31, 2019
If you have a difficult time setting aside money for the future and saving towards retirement, then identifying why it is that you’re saving might be what you’re missing. Studies have even shown that we will save more money for retirement when we’re able to see an older version of ourselves- so maybe trying out FaceApp is a good thing after all! Even though we all might have different motivators, it’s healthy to remind ourselves of why it is so important to save and invest. And actually realizing and understanding that we’re going to be old one day is crucial when it comes to maintaining a high savings rate in our 401k, IRA, and other investment vehicles.During this episode we enjoyed a Christmas Bomb by Prairie- a big thanks to Jeff for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
July 29, 2019
This week on the pod we’re answering your questions! 1 - Is it OK to buy a new car if I’m going to keep it for 15 years? 2 - What receipts should I keep for tax purposes on the portion of my duplex I’m renting? 3 - What were y’all taught and what should I be teaching my kid about money? 4 - As a higher earner, is there any tax benefit to contributing to my IRA when I’m already covered by a retirement plan at work? 5 - Where should I consider opening a small business account for my new business?And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/askDuring this episode we enjoyed an Okie by Prairie Artisan Ales- a big thanks to our friend Abe here in Atlanta for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
July 24, 2019
We should all probably watch a little less TV than we do, but that doesn’t mean we shouldn’t be getting a deal in the process! The television bundle is the priciest way to watch and you should consider a free or streaming option because there are now so many choices. And you don’t have to sacrifice and give up a particular show or live sports if that’s your thing- there’s a really good chance you can find a video service, providing the content you’re looking for, that will be substantially more affordable than your local cable or satellite provider.During this episode we enjoyed a Saison Du Ble by Side Project- a big thanks to our buddy David here in Atlanta for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
July 22, 2019
The leading cause of bankruptcy in America is the inability to pay medical bills- an estimated half a million people file for this reason every year! Almost no one is immune to the rising cost of healthcare, and fellow podcaster Dan Weissmann is here to commiserate. Dan’s podcast, An Arm and a Leg, is part journalism part personal narrative as he dives into real life experiences of Americans with their health coverage. Healthcare is definitely confusing, and based on the fact that our country spends almost 20% of our GDP on medical spending- it is also clear that costs are out of control. During this episode we each enjoyed an SKB IPA by Sun King Brewery- a big thanks to James for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
July 17, 2019
Health Savings Accounts aren’t just for paying your medical bills- when used properly, they are pure retirement gold! If you have a qualifying healthcare plan and aren’t taking advantage of an HSA, you’re missing out on massive amounts of money that you could be socking away. This is because an HSA is the most tax advantaged retirement account that exists, maybe even dethroning the Roth IRA as our favorite retirement account! Have a listen as to why we think you should seriously consider opening a Health Savings Account.If you want to learn more, head over to Lively as they have lots of helpful information and answers to your eligibility questions. It's completely free for individuals and families and they make it easy to open your HSA to start investing today.During this episode we enjoyed a Mirror Universe by Fair State Brewing Cooperative- another big thanks to Riley in Minnesota for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
July 15, 2019
This week on the pod we’re answering your questions! 1 - Should I keep my car payment around in order to boost my credit score? 2 - When does it make sense to replace old light bulbs with new LEDs? 3 - Is it worth disputing my property tax bill? 4 - How can I negotiate a lower APR on my credit cards? 5 - I’m considering joining Lending Club as an alternative way to invest my money- is this a good idea?And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/askDuring this episode we enjoyed A Visit to My Crazy Aunt by Insight Brewing- a big thanks to Riley in Minnesota for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
July 10, 2019
Whether you’re planning to score a deal on Amazon Prime day or not, chances are you do a good bit of purchasing online. Obviously we love getting a great deal and the convenience of online shopping is unmatched, but what other considerations should be taken into account? Just because we’re getting a deal now, does that mean we’re spending less money in the long run? During this episode we cover when shopping at a local brick and mortar is better, some serious downsides of shopping online, and then we wrap things up by covering our favorite ways to get deals buying online using deal sites, techniques, and our favorite Chrome extension.During this episode we enjoyed a Fort by Dogfish Head- another big thanks to our friend Tyler here in Atlanta for donating this rare (to us!) beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
July 8, 2019
Getting your significant other on-board when it comes to personal finance goals may be no small task- which is just one of the reasons we’re excited to have Andy Hill join us for this episode. Andy and his wife started their life together 50k in debt. They put in the hard work of confronting their individual unhealthy financial patterns, set some serious goals, and in just 4 years were completely debt free (including a 195k mortgage!) and now 8 years later have grown their net worth to over 750k! Andy’s podcast is called Marriage, Kids, & Money, and today we’re excited to talk with him about a variety of topics including clever ways he’s been able to diversify his income, as well as some tips for avoiding money fights with your partner and communicating well with regard to money and goals.During this episode we each enjoyed a Cream Weaver by Three Taverns Brewery - a big thanks to our friend Tyler here in Atlanta for donating this tasty beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
July 3, 2019
Many of us have our own personalized, specific goals when it comes to our money, so it’s no surprise that we also have many different views of what financial independence means to each of us. Since tomorrow is the 4th of July, we wanted to take a moment and reflect on how our views of financial independence have changed over the years. We also posted this question in the How To Money Facebook group, and we look forward to digging into and sharing your wisdom regarding what financial freedom means to you! Just like we often discuss regarding knowing the ‘why’ behind our money, when we’re able to identify why it is we’re seeking after financial freedom, we can endure almost any ‘how.’ Happy 4th!During this episode we each enjoyed an Order of Magnitude by Edmund’s Oast which you can find on Untappd. A big thanks to Andrew in South Carolina for donating this amazing beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
July 1, 2019
This week on the pod we’re answering your questions! 1 - What does it mean to put index funds in my Roth IRA? 2 - Should I invest in Fundrise and REITs in order to learn more about real estate investing? 3 - Should we consider getting a home warranty? 4 - How will my credit score be impacted if I pay off a debt in collections? 5 - Am I crazy to consider buying a new $65,000 electric truck?And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/askDuring this episode we enjoyed a Ninja vs Unicorn Double IPA by Pipeworks Brewing Co which you can find on Untappd. Another big thanks to Russ for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
June 26, 2019
Understanding what our time is worth allows us to make more informed decisions regarding our time and money. Your hourly rate informs your decision to DIY a project at home, determine whether you’re spending too much time searching for a deal, or whether its time to negotiate a raise or other benefits at work. Your personal hourly rate shouldn’t be the only consideration but understanding the relationship between our time and money will allow us to live more meaningful and optimized lives.During this episode we enjoyed a Seismic Positivity by Pipeworks Brewing Co which you can find on Untappd. A big thanks to Russ here in Atlanta for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
June 24, 2019
So many of us grew up without any sort of formal or informal education about personal finance. Few states offer a personal finance course in their public schools and even fewer participate in any sort of standardized testing for the courses they do offer. That’s why we’re really excited to have Dan LaSalle join us for this episode. Dan saw a need for this type of education in the high school where he was teaching and four years ago he took it upon himself to create a personal finance program that not only teaches students the importance of budgeting, saving, and investing, but also gives them the opportunity to earn up to $5,000 a year, and put that money into a bank account of their own. We truly believe that this kind of approach could be the future of financial education!During this episode we enjoyed a Happy Trees by ANXO which you can find on Untappd. A big thanks to good buddy Andrew for donating another tasty beer cider to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
June 19, 2019
More and more investors want their money to be going to companies who are doing good in the world, or at least to companies who are being responsible when it comes to the environment, social issues, and governance. Companies who are leading in this front may also be better positioned for future challenges and experience fewer instances of bribery, corruption, and fraud (bonus: giving you better returns on your investment)! Unfortunately, with socially responsible investing being fairly new on the scene, definitions can be unclear and terms are often used interchangeably. Listen as we dive into this topic, giving you the knowledge to help you decide what socially responsible investing means to you.During this episode we both enjoyed a Toffee Stout by Carolina Brewery which you can find on Untappd. Another big thanks to Emma in NC for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
June 17, 2019
This week on the pod we’re answering your questions! 1 - Should I get umbrella insurance or put each investment property in it’s own LLC? 2 - Should I change my tax withholdings to pay off debt? 3 - How should my partner and I split bills and pursue financial independence when we have very different incomes? 4 - When should I consider switching to a bank that pays a higher interest rate? 5 - How should I structure a group of friends to discuss talking about money?And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/askDuring this episode we enjoyed a Pink Robots by Birdsong Brewing which you can find on Untappd. A big thanks to Emma for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
June 12, 2019
Here on How to Money, we often debate the merits of a purchase, not because we hate spending money and try to avoid doing so at all costs, but because we are constantly checking ourselves to avoid the MINDLESS spending of our money. It is a challenge to make every financial decision with the same level of intentionality but we find we are often more wasteful when we are feeling too tired or lazy to be intentional. But just being aware of some of the triggers and circumstances that lead us to spend in ways that don't align with our financial goals can help us see it and own it when it happens, and lead us to effectively change our habits for good. Being excited to spend our money mindfully on a purchase that aligns with our financial goals is a good, healthy feeling- whereas impulse spending can leave a spending hangover, often accompanied by debt. Listen as we run through several rules that help us be mindful spenders.During this episode we enjoyed a National Cherry Blossom FestivAle by Old Ox Brewery which you can find on Untappd. A big thanks to our good buddy Andrew for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
June 10, 2019
There is so much more to handling your finances and investing well, than just knowing the correct information. Oftentimes we’re blind to the factors all around us, including our own tendencies and biases which can have a much bigger impact on how well we money. Willpower is limited and context matters way more than we might think. That’s why we're pumped to sit down with Dr. Daniel Crosby- he is a psychologist and behavioral finance expert who helps folks understand the intersection of their minds and their money. Daniel is a NYT bestselling author on behavioral finance, and his latest book The Behavioral Investor, looks at the psychology, physiology, and sociology of financial decision making. By the end of this episode, you’ll have a better understanding of what steps you need to take in order to be a successful investor.During this episode we both enjoyed a Hoplanta by Atlanta Brewing Co which you can find on Untappd. A big thanks to Daniel himself, for not only showing up talking with us in person, but for donating these beers to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review over in Apple Podcasts - that's how you can enter to win a copy of Daniel's latest book The Behavioral Investor. Once you leave that review, just shoot us an email at howtomoneypod@gmail.com with your screen or user name and you'll be set!Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
June 5, 2019
Anyone who has heard of the different warehouse clubs like Costco, Sam’s Club, and BJ’s has also heard that they’re a great place to save you money. But are they? With the proliferation of discount grocery stores and the ability to easily find a great deal on pretty much any product online, some are questioning whether the annual membership fees are worth it. Have a listen as we break down a bunch of the benefits, but also some of the drawbacks associated with warehouse clubs.During this episode we both enjoyed a Buffalo Soldier by UTOG Brewing Co which you can find on Untappd. Another big thanks to Andy for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
June 3, 2019
This week on the pod we’re answering your questions! 1 - Having just started my career, how much should I have in my emergency fund? 2 - Should I still move forward with my credit freeze? 3 - My insurance agent is recommending an insurance policy with a cash value. Should I consider it? 4 - Should we get a variable or fixed rate mortgage for our first home purchase? 5 - How do I keep my car insurance rates down after getting in a wreck?And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/askDuring this episode we enjoyed a Killer Grove by Talisman Brewing Co which you can find on Untappd. A big thanks to Andy for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
May 29, 2019
How much are you paying to invest in your 401k or IRA? You might see fees as an unavoidable cost of investing, but even a 1% fee could easily cost you more than a half million dollars over your investing lifetime. Fees not only erode how much money you have to invest now, but they lessen the amount of money that is compounding in your account year after year- the impact is twofold! Listen as we discuss the different types of fees, how to look for them, and then where to go in order to avoid fees altogether.During this episode we both enjoyed a Bent De Garde by Braindead Brewing which you can find on Untappd. A big thanks to Jerrod and our friends out there in Dallas for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
May 27, 2019
Pretty much everyone we know would love to have more hours in their day- more time to spend with friends and family, more time to read or exercise (or any time), or even some extra hours to work on that side hustle you’ve been thinking about. We are really excited to have time management expert Laura Vanderkam on the podcast as she helps people spend more time on what matters, and less on what doesn’t. We discuss her latest book, Juliet’s School of Possibilities where she says that “Expectations are infinite, time is finite, you are always choosing, choose well.” In this conversation we dive into ways to be more efficient at work, how we should be thinking about our time at home while we’re ‘off the clock’, and some tips on how we can better manage distractions.During this episode we both enjoyed an Infinity Bloom by Newgrass Brewing Co. which you can find on Untappd. A big thanks to Mano and Pop (Matt’s in-laws) for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
May 22, 2019
How much are you spending on your car? Aside from housing, Americans spend more money on cars and transportation costs than any other category, accounting for 14% of the average budget. That’s $9,000 annually according to the US Consumer Expenditure Survey but it could be a lot less! Luckily, some cars cost WAY less than others to purchase and maintain, and in this episode we make some car recommendations for frugal folks.During this episode we enjoyed a Bitter by FORM Fermentery and Blendery which you can find on Untappd. Another big thanks to Adam for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
May 20, 2019
This week on the pod we’re answering your questions! 1 - Is it possible to create a side hustle using the different grocery or exercise apps that promise to pay? 2 - Should I diversify and have more than one Roth IRA account? 3 - As a highschool teacher preparing my students for the real world, what personal finance topics should I be sure to include? 4 - What are the best methods for accepting rent? 5 - What are some ways to cut the cost of cosmetics?And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/AskDuring this episode we enjoyed a Form to Table by FORM Fermentery and Blendery which you can find on Untappd. A big thanks to Adam for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
May 15, 2019
Every month we waste a lot of money on utility bills that could be back in our pockets if we would only be more intentional about making our homes more energy efficient. Not only could we save more money now, but there is massive potential for what that money could grow into if we invested it every month - don’t forget the rule of 173! Regardless of whether you’re renting an apartment or living in your own house, listen as we discuss lots of different ways that you can cut your water, gas, and electric bills. Recurring monthly expenses have a huge impact on your ability to save for the future!During this episode we enjoyed a Challenge Series 11 by Bear Republic Brewing which you can find on Untappd. A big thanks to our friends at Bear Republic for donating these beers to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
May 13, 2019
Is it possible to pay down $200,000 of debt while living in a big city, and still find enjoyment in everyday life? Yes! In this episode we’re lucky enough to sit down with Kiersten and Julien Saunders who blog at RichAndRegular.com where they document their journey to financial independence. During this episode we hear from Kiersten and Julien about the unique struggles of African Americans in the corporate world, how they stayed motivated to pay down debt, their approach to effective budgeting, and how Julien’s background as a professional chef keeps their monthly expenses down. During this episode we all shared a beer- The Last Blockbuster by 10 Barrel Brewing which you can find on Untappd. A huge thanks to our friend Scott out in Bend, Or for donating this beer to the show! And it’s incredibly appropriate that he sent this one to us as he just finished up his documentary on financial independence titled Playing With Fire, be sure to check it out as the Saunders are featured! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
May 8, 2019
What is the best way to pay down debt? Americans are in tremendous amounts of debt (think over 400 billion on just credit cards alone)! Not only is this debt keeping folks from reaching their financial goals, but it’s also taking a toll on the mental health of borrowers. Knowing the best strategy to get out of this debt is a big deal and could be the difference between living paycheck to paycheck or achieving financial freedom. Listen as we cover both approaches so you can decide which is better for you: the debt snowball (popularized by Dave Ramsey) and the debt avalanche (also known as debt stacking).During this episode we enjoyed a Maple Vanilla Copra Kai by Southern Grist Brewing which you can find on Untappd. Another big thanks to Jamie and friends up there in Nashville for donating these beers to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
May 6, 2019
This week on the pod we’re answering your questions! 1 - What’s the difference between annuities and life insurance? 2 - Ways to improve my credit score after a chapter 7 bankruptcy? 3 - Robo advisors: are they too good to be true? 4 - Should I open a college savings account for my toddler? 5 - What kind of equipment do you use to record the podcast?And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/AskDuring this episode we enjoyed a Bio-Rhythm by Southern Grist Brewing which you can find on Untappd. A big thanks to Jamie and friends up there in Nashville for donating these beers to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
May 1, 2019
We think it’s a great decision for almost everyone to invest in a Roth IRA. Second only to an employer matched 401k, a Roth IRA is very often the best retirement savings vehicle due to tax advantages and flexibility within that account. Listen as we cover some of the reasons we’re huge fans of the Roth IRA.During this episode we enjoyed a Superior BarleyLime by tripelroot - a big thanks to Heather for donating this delicious beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
April 29, 2019
It’s time to dispel the myth that you need to have a huge salary, or that you need to work and save for decades, in order to eventually retire. This week we’re excited to hear from Jillian Johnsrud as she shares with us how she became financially independent at the age of 32, despite her and her husband never making more than 60k a year. We cover how they paid cash for their first house, how they continue to save and invest with 5 kids at home, as well as the importance of their "quit list" as they seek to live an intentional and adventure filled life.During this episode we enjoyed an Official IPA by Bell’s Brewery- a big thanks to our friends at Bell’s for donating these beers to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
April 24, 2019
For most people car and home insurance policies are expected, necessary costs of owning those things. Because we automatically set up these policies, we tend to forget to continually shop them around- which may mean we’re significantly overpaying! Loyalty with a particular insurer doesn’t save you money over the years so continually shopping your provider is one of the best ways to get your rates down. Listen as we cover several other ways to save big on car and home insurance, plus we answer the question: When should I even use my insurance?!During this episode we both enjoyed a Uroboros Stout by Anthem Brewing which you can find on Untappd. A big thanks to Sy in Oklahoma City for donating these beers to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
April 22, 2019
This week on the pod we’re answering your questions! 1 - Where should I keep money that I’m saving for a down payment for real estate? 2 - Should I be investing in my retirement while I still have student loan debt? 3 - When should I consider selling my clunker and buying a ‘new’ car? 4 - Is wrapping your car in ads a legit way to make money? 5 - What are some ways to save money while on the road touring with my band? And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/AskDuring this episode we both enjoyed a Forgotten Lake Blueberry Ale by Lake of the Woods Brewing which you can find on Untappd. A big thanks to David in Keswick, Ontario for donating these beers to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
April 17, 2019
There are a host of reasons why renting a place instead of buying might be a great idea for you (we even dedicated an entire episode to the topic!). But when it comes to renting and entering into a lease agreement with a landlord, you want to make sure that you’re prepared and taking the proper steps to protect yourself. Listen as we cover everything from Wall Street landlords to negotiating leases to the low cost of renters insurance.During this episode we both enjoyed a Russell Kelly Pale Ale by Telluride Brewing which you can find on Untappd. A big thanks to Tiffany in Colorado for donating these beers to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
April 15, 2019
What kind of life do you really want to lead? Does consumption and stuff dictate your life more than you’d like? It is so important to examine your own life to discover the small changes you can make right now to give you more freedom to do the things that truly matter most to you. For this interview, we sat down with Chris and Cristi from Life Opted Out to talk about how and why they chose to leave a life they loved in NYC for a much simpler, more affordable life traveling the country in their van. They share that so many of the lessons they’ve learned are not specific to life on the road, and can be applied to anyone looking for more purpose and fulfillment.During this episode we both enjoyed a Nothing Left to Give by Orpheus Brewing which you can find on Untappd. A big thanks to Jimmy for donating these beers to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
April 10, 2019
US households owe a total of $420 billion in credit card debt so it’s no surprise that everyone is looking for an easy solution. Debt consolidation (and debt settlement) companies offer a quick fix but they often cost you a lot, wreck your credit score, and they may even completely scam you without performing any of the promised work. Rather than consolidation and settlement companies, consider the sure route- ‘manually’ consolidating your own debt and, if needed, utilizing loan companies like Lending Club or SoFi- just make sure to do your homework and read the fine print! In the end, make sure you have a plan to keep yourself from taking on new debt- you don’t want to end up back in the same situation!During this episode we enjoyed a Secret Lovers - the Sequel by Wilmington Brewing Company which you can find on Untappd. A big thanks to Naomi for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
April 8, 2019
Do you feel comfortable with the expectations of your job and the number of hours you work? Or do you sense impending burnout with the constant demands and grueling schedule required of you? This week's $Pro, Tanja Hester, is here to talk about how to begin making your job a smaller part of your life. Her first step to achieve this is saving up just enough money to shift that power imbalance that you may feel with your boss, and give you confidence and bargaining power. We will also cover three routes to consider taking to make work optional for you and the different ways that retirement can look. Let's take the proper steps now to make work more optional!During this episode we each enjoyed a Quadrahopic by Land-Grant Brewing which you can find on Untappd. A big thanks to Kayla for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
April 3, 2019
Even though the federal government published a report that determined the average cost of raising a child from birth to age 18 is $233,000- that doesn’t mean you HAVE to spend that much! When calculating how much YOU will spend on a child, start by asking yourself: what are my current expenses? Because really the best indicator of how much you’ll spend on your kids is how much money you are already spending on yourself. The cost of children will be an extension of your values and what you’re already spending money on. Listen as we cover how much kids cost, ranging from specifics like the cost of car seats to a broader, principled approach towards entertainment and spending in general.During this episode we each enjoyed a Heavy Hands DIPA by Spindletap Brewery which you can find on Untappd. Another huge thanks to Leo for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
April 1, 2019
It's always encouraging to be reminded that the hard work you're putting in and the sacrifices you're making now can mean a much smoother ride in the future when it comes to your personal finances. Our $Pro this week, Doc G, is here to discuss the compounding effects of extra work, saving, and investing early on. Even if you're not so young, this episode is a call to get started now- not next month or next year- get your money in order today!During this episode we each enjoyed an Aggressive Additions IPA by Spindletap Brewery which you can find on Untappd. A huge thanks to Leo for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
March 27, 2019
Nearly 80% of Americans wouldn’t be able to pay their bills if they missed a paycheck. When you’re used to living paycheck to paycheck, the idea of setting aside some extra money is almost laughable. How do you even consider setting financial goals when every dollar you make is already going somewhere necessary? In this episode we talk through how to choose to set goals regardless of your financial situation. The goal of an emergency fund for some breathing room and financial cushion is the very thing that will allow you to still pay your bills if you miss a paycheck! Even saving $1,000 can be enough to end the cycle and allow you to escape that paycheck to paycheck lifestyle.During this episode we each enjoyed a Roast Beast by Modern Methods which you can find on Untappd. A huge thanks to Krista for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
March 25, 2019
Rampant consumerism and consumption is becoming the norm, and this is partly due to the fact that it is so easy to make purchases online. $Pro Katy Wolk-Stanley is challenging that notion by refusing to buy new stuff, and instead, she’s prioritizing her goals and values when it comes to consumption. Free piles of stuff on the sidewalk and your local Buy Nothing group can be great, but they’re not the only way to drastically cut back. Listen as we’re challenged by Katy and as we seek to save more of our money by spending less on junk we don’t need.During this episode we enjoyed an AZ Dreamsicle by Arizona Wilderness which you can find on Untappd. A huge thanks to Brandon for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
March 20, 2019
Working hard for money isn't a foreign concept, but working hard to receive good customer service often is- we so rarely advocate for ourselves! The first step when you're looking for great customer service is to be sure to do business with a reputable company. After that, there are plenty of additional elements to consider to not only save you money, but allow you to walk away from a transaction completely satisfied and raving about how great of an experience you had when you needed assistance. Listen as we help you to make the best use of your time when advocating for great customer service.During this episode we each enjoyed an Atrial Rubicite by Jester King which you can find on Untappd. A huge thanks to Jerrod at BrainDead Brewing for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
March 18, 2019
The cost of college is higher than ever. On average, students today are paying 213% more to go to college than their parents paid 30 years ago (and that includes adjustment for inflation!). $Pro Cody Berman is with us this week to discuss finding smart and creative ways to cut college costs, so that graduates can launch their professional careers unhampered by massive student loans. So whether you're in school, considering going back, or have kids - listen to hear some advice on ways to cut those college costs.During this episode we each enjoyed a PowerShark by BrainDead Brewing which you can find on Untappd. A special thanks to Jerrod at @braindeadbrew for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
March 13, 2019
People don’t invest in the stock market because of a perceived ‘risk’- their minds immediately jump back to the Great Recession or even the Great Depression. And then from that position of fear, they decide their money is better left in a nice and familiar savings account- except this is an instance where slow and steady doesn’t win the race. It turns out that one of the biggests, actual risks to your money is not investing at all, in an attempt to avoid ‘risk’ from the stock market. Listen as we cover some popular perceived risks and then the real risks associated with investing in the stock market.During this episode we each enjoyed a Center of the Sun IPA by Civil Society Brewing which you can find on Untappd. A special thanks to our good buddy Pat with B10 union for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
March 11, 2019
Do you have federal student loans? Are you wondering if you have any refinancing options? There is a lot to consider in a refinance beyond the advertised interest rate, and this week’s $Pro, Meagan Landress, will help us wade through it all. We also spend a large part of this episode answering specific student loan related questions from the How to Money Facebook group.During this episode we each enjoyed a Can Can (red wine barrel-aged) by Westbrook Brewing Co which you can learn all about on Untappd. A special thanks to Jeff at Peachtree Road Package Store for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
March 6, 2019
The difference between scoring a home vs. missing out can be incredibly small- and a lot of it comes down to your offer. There are lots of little things that can help your offer stand out and make the buying process move along smoothly. However, since most of us only buy a home once or twice in our lifetime, not knowing or forgetting a step can cost us a place we really want or cause us to make unwise decisions. Listen as we cover some important steps in the home buying process and how you can get a leg up when you are actually buying a home.During this episode we each enjoyed a Space Camper Cosmic IPA by Boulevard Brewing which you can learn all about on Untappd. A special thanks to Hillary and all of our friends at Boulevard for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
March 4, 2019
Over 45 million Americans are saddled with over 1.5 trillion in student loan debt- this is a nationwide epidemic! With such a massive burden, how do you even begin repaying your student loans? Our $Pro this week, student loan expert Meagan Landress, is here to shed some light on the many different student loan repayment programs and how to choose the plan that best fits your financial situation and goals. At the end of this episode we answer some specific student loan related questions from the How to Money Facebook community.During this episode we each enjoyed a Nostalgia IPA by Slow Pour Brewing which you can learn all about on Untappd. A special thanks to our $Pro Meagan for donating and sharing this beer with us! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
February 27, 2019
Buying a house will likely be the most expensive purchase you’ll ever make, so it’s no surprise that it can be an intimidating process. But this is the very same reason you should be a well informed buyer- so much money is on the line! Today we’re covering several steps everyone needs to take before purchasing to make sure that you’re getting the best deal possible on a house that you love.During this episode we enjoyed an Ink Imperial Stout by Rhinegeist Brewery which you can learn all about on Untappd. A special thanks to Natalie and all of our friends at Rhinegeist for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
February 25, 2019
The fact is that everyone wants to travel, but nobody wants to pay more than they need to for airfare. Who doesn’t want a deal?! Our $Pro today is Scott of Scott’s Cheap Flights, and he’s going to explain how we’ve been going about booking our vacations all wrong. It’s time to turn the way we plan for trips completely upside down! Listen as we discuss ways to save money when booking airfare.During this episode we enjoyed a Penguin Blonde Stout by Rhinegeist Brewery which you can learn all about on Untappd. A special thanks to Natalie and all of our friends at Rhinegeist for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
February 20, 2019
Weddings are expensive, but they don’t have to be! Spend your money on the things that truly matter to you and your fiancé and let the rest go. Cutting out elements that don’t mean much to you, however traditional or expected, will save you a ton. Once you’ve decided on your most important elements and it is time to spend some serious money, do it wisely! Listen as we cover a variety of ways to plan a beautiful and meaningful wedding, without going broke.During this episode we enjoyed a Juice Pack DDH Pale Ale by Tupps Brewery which you can find and learn all about on Untappd. A huge thanks to Jake in Texas for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
February 18, 2019
Networking is one of those things you may not think is necessary- until it’s too late. Our $Pro this week, Jordan Harbinger, is here to explain how vital it is to network now, even if you’re an introvert or if you’ve felt smarmy about it in the past. What’s important is that you’re genuine and interested in helping others now, before you need help yourself! Listen as we hear from Jordan and then break it all down to provide some specific and actionable tips.During this episode we enjoyed a Blood and Honey American Ale by Revolver Brewing which you can find and learn all about on Untappd. A huge thanks to Jake in Texas for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
February 13, 2019
Since personal finance is not taught in most public schools, the job falls squarely on parents and caretakers. Hopefully this means we are intentionally teaching our children through lessons and examples in order to shape their perceptions of money. Listen as we cover the foundational money principles that we feel will have the biggest impact on the way our kids view money.During this episode we enjoyed a Peanut Brother by Great Notion Brewing which you can find and learn all about on Untappd. A massive thanks to Alex in Oregon for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
February 11, 2019
You don’t have to be a millionaire to be a successful real estate investor. Chad Carson, our $Pro this week, is here to explain how even a small, effective real estate portfolio can lead to reaching your financial goals in a short period of time. He illustrates this with an example of a couple reaching financial independence with only five properties, not hundreds! Having greater financial freedom and flexibility with your time will be the natural outcome of focusing on your goals, and carefully investing in real estate can take you there.During this episode we enjoyed a Primordial Noir by Cascade Brewing which you can find and learn all about on Untappd. A massive thanks for Alex in Oregon for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
February 6, 2019
Last week we covered the pros and cons of whether you should renovate or move- and so this week we’re discussing specific pointers when it comes to renovating on a budget. We spend a good amount of time on general contractors as they likely have the largest impact on all aspects of your renovation- financial but also the quality of work and your overall experience. In addition we cover the high points of financing, architects, whether you should attempt any DIY, as well as some of the other finer points of renovating your home.During this episode we enjoyed an Apple Brandy Barrel Noir by Prairie Artisan Ales which you can find and learn all about on Untappd. A big thanks to Jeff and Val over at Monday Morning Pancakes - which is their blog they started to document their path to financial independence! And if you enjoyed this episode, be sure to subscribe and give us a quick review over in Apple Podcasts or wherever you listen to your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
February 4, 2019
Trading our time for money will only get us so far. So many of us are programmed to believe that we have to allocate a large percentage of our time to making money in order to ever consider retirement. Grant Sabatier, this week’s $Pro, is here to say otherwise. Grant wants to disrupt the linear model where time equals money by arguing that our time is actually much more valuable than money. Listen as Grant shares his thoughts on our inability to reclaim lost time, and as we discuss what steps we can take to change the belief: time is money.During this episode we enjoyed a Tritonia Gose with Pineapple & Lemon by Creature Comforts which you can find and learn all about on Untappd. And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
January 30, 2019
For whatever reason, you might find yourself outgrowing your house and needing more space. Maybe you’re now self-employed and need a home office, or maybe you have a quickly growing family! With these changes come different needs and wants that we have for our homes and the most popular solutions are to either stay and renovate, or to sell your home and move. With home prices at all time highs, renovating might seem like a slam dunk if you’re running out of space, or maybe you’re the type who would rather just move. However, there are lots of things to consider when it comes to weighing your options and we’re here to help you think through them all.During this episode we enjoyed a Surf Wax by Burial Beer Co which you can find and learn all about on Untappd. And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
January 28, 2019
Today our $Pro, Paula Pant, is going to reframe what it means to be an investor - does investing some money make you an actual investor? And what role should your emotions play when it comes to investing? Paula has broken the shackles of paycheck-dependence and has been sharing her expertise and experience with others on her wildly popular site AffordAnything.com, where she has given a TON of thought to how we should approach personal finance. In this episode, Paula specifically covers 3 pitfalls when it comes to how we think about investing our money: investing vs. being an investor, the natural human tendency of ‘resulting’, and sequence of returns risk. First we will hear from our $Pro and then we unpack her information together!During this episode we enjoyed a Freshly Picked Citra by Southern Swells Brewing Co which you can find and learn all about on Untappd. A big thanks to Kate from Southern Swells for donating this delicious beer! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
January 23, 2019
Are we ready for a recession? The economy has been roaring for close to a decade and corrections are inevitable. We’re not saying to pay uber close attention to the news cycle and the different predictions of the market tanking, but it is good to be prepared. But even if an actual recession never occurs, getting our personal finances in shape will allow us to be prepared for short-term bumps in the road- whether they’re market related, or purely personal. Give this episode a listen to hear our top tips on how you should be recession proofing your finances.During this episode we both enjoyed a Resilience IPA by Sierra Nevada which you can find and learn all about on Untappd. A big thanks to Felipe in Chico CA for donating this delicious beer! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
January 21, 2019
***We are pumped to start releasing an additional episode every week that we’re calling our money pro episode, or $Pro for short! Every Monday we’ll hear from a $Pro as they discuss a topic that they’re passionate and knowledgeable about, and then we unpack it even further and discuss the impact that topic has on our financial lives.***Too often in life it’s like we’re sleepwalking- as if we’re drifting through life without any clear guiding principles. Due to that, our day-to-day is filled with different people, companies/advertising, and events having more sway over our lives and money than we do. Scott Rieckens is here to change that with his approach to creating a personal mission statement and to remind us to proactively take control and start directing our own future! This is a topic that is near and dear to his heart. After realizing that his growing family was in a state of overconsumption, he and his wife re-assessed their family’s priorities which then led them to cancel their boat club membership, sell their BMW, and move away from pricey Coronado, CA. They didn’t have to do any of this, but they chose to do all of this after creating a personal mission statement! Listen as we break it down and go through how you can create your own mission statement- plus we share our personal mission statements as well.During this episode we enjoyed a Cold Mountain by Highland Brewing which you can find and learn all about on Untappd. A big thanks to our friends Clark and Nanci in Asheville for donating this delicious beer! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
January 16, 2019
Should you itemize your deductions or take the new increased standard deduction this tax season? Answer carefully as thousands of dollars could be on the line! Most folks will opt for hitting the easy button and take the standard deduction- however if you own a house, had some big medical bills last year, and gave money to charity, you should consider itemizing! Listen as we cover it in more detail, plus we break down the best way to make the most of your deductions through bunching. We also touch on tax credits- how they’re different than deductions and some big ones that everyone should consider!During this episode we enjoyed a Dark Reckoning by Morgan Territory Brewing which you can find and learn all about on Untappd. A big thanks to Brent in California for sending us some delicious beers! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
January 9, 2019
The new tax law nearly doubles the standard deduction which means even fewer folks will be itemizing deductions on their tax returns this year- however, there is still an important way to massively cut our tax bills! Regardless of whether we take the standard deduction or if we itemize deductions- we can still reduce our tax bill by ‘above the line deductions’. These are technically not actual deductions but adjustments to arrive at our adjusted gross income which we typically want as low as possible in order to pay fewer taxes! Listen as we cover some of the best ways to cut our tax bills and why you’ll likely want to do the same.During this episode we enjoyed a Karate in the Garage by Southern Swells which you can find and learn all about on Untappd. A massive thanks to Kate from Southern Swells for sending us a bunch of their beers- we’re big fans of what they’re doing down at Jax beach! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
January 2, 2019
Happy New Year! As we’re all looking ahead and setting goals let’s not forget about money- we need a money roadmap! Now is the time to decide what we’re doing with our money this year. When we know exactly what it is that we’re saving for, we have a clear mission to keep us pumped and on track. Listen as we cover the practical tips that help guide us when it comes to creating our own money roadmaps for 2019!During this episode we shared a Thicc Coffee Porter by Urban Family Brewing Company which you can find and learn all about on Untappd. A special thanks to David in Seattle for sending this one to us! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
December 26, 2018
Every once in a while we like to step back and think about our work. Why do we do it? Are we doing a good thing? There are a lot of misconceptions of work floating around the internet and our workplaces today. There’s the generally more millennial-ish, romanticized view of work as a calling and a means of personal fulfillment, and on the flip side there’s the end goal of a stable career where your loyalty and daily grind results in a predictable paycheck but maybe not much else - many of us fall somewhere on this spectrum. Regardless of your current views toward work, we want you to know that work is a wonderful thing and yet work isn’t everything. Viewing work in a healthy way takes intentionality and balance! Join us as we cover a few key concepts central to developing a healthy philosophy toward work.During this episode we shared a Hawaiian Christmas Land by Little Cottage Brewery which you can find and learn all about on Untappd. And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
December 19, 2018
How amazing is it that we live in a world where there are so many ‘free’ things all around us? And how unfortunate is it, that we don’t even see these ‘free’ resources because we’re so used to purchasing and consumption- we don’t even think to make use of them. Our technology and culture steers us in the direction to spend. Chances are there are times when we're not taking advantage of this ‘free’ stuff and we're overspending because maybe we haven’t thought about it recently or there are some things you’re not even aware of yet. Putting these resources to use will make us smarter, save us money, and will overall lead to a healthier and more balanced life.During this episode we shared a Sticky Hands IPA by Block 15 Brewing Company which you can find and learn all about on Untappd. A special thanks to Dale in Portland for bringing down this IPA for us to have on the show (even after our Atlanta United gave his team a walloping at the MLS Cup)! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
December 12, 2018
There are secondary costs associated with almost all purchases that we make in our lives. It’s important to consider all of these additional costs that tag along when making purchases, and not just the initial sticker price. In this episode we explain how there are hard secondary costs and then how there are soft or lifestyle secondary costs which are similar to lifestyle creep. And then finally, we go over some helpful and specific tips to remember when making purchases or financial decisions. Keeping all this in mind will help us to manage our money better, specifically when it comes to our spending because everything really does cost more than you think.During this episode we enjoyed a Pretty Willie’s Imperial Stout by Against the Grain which you can find and learn all about on Untappd. And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
December 5, 2018
Money oftentimes feels like a topic that is off-limits when it comes to discussions you have with your friends. Is it because it’s too personal? Maybe you feel it’s none of your business? A big part of why we started How to Money is because we feel that money conversations need to happen more often. Talking about money shines a light on it and brings about awareness, which can ultimately lead to improvement as we all have room to grow. Listen as we discuss some of the major ways you’re likely missing out if you’re not talking about money. And then we wrap it up with some practical tips that can help you when it comes to striking up a money conversation with your friends and family.During this episode we enjoyed a Zoose Joose by Westbrook and Angry Chair which you can find and learn all about on Untappd. And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts!Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
November 28, 2018
Buying new stuff makes us happy, right? Yeah for a minute, but you may have noticed how quickly you get used to all that new stuff! Hedonic adaptation, or the hedonic treadmill, helps us understand the effect of consumption. Coming to grips with that can help us end unhealthy cycles of mindless consumerism and set us on a path to a healthier way of thinking about money, spending, and saving for the future. Listen to the full episode to learn how hedonic adaptation can be terrible, how it can actually be a good thing, and then finally to learn how to hack it and truly control how happy you really are.During this episode we enjoyed a Mangifera Flux by Marz Community Brewing which you can find and learn all about on Untappd. A huge thanks to our buddy Andrew for bringing this beer all the way back from Chicago. And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts!Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
November 21, 2018
Shopping and overspending dominates the holiday season, and we want to make sure you’re not rolling into the new year with that holiday shopping hangover. Honestly, how much more stuff do we really need?! Consumers are expected to spend over 1 trillion dollars during this Christmas shopping season. It’s unfortunate how much emphasis is placed on high ticket gifts to supposedly prove how much you care. Listen as we cover some overall strategies that will help you become a better gift giver, how communication with friends and family is so important, and then we dive into some specific tips that will help keep you from overspending this season.And during this episode we enjoyed a Narwhal Imperial Stout by Sierra Nevada which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts!Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
November 14, 2018
New name, new look, and even new music- but deep down at the heart of it, we're still the same personal finance podcast! In this trailer, we're introducing How to Money, where every week we choose a money topic and have a conversation connecting that topic to you our listeners. So if you're ready to stop sucking at money or if you just want to come nerd out with us, be sure and tap that subscribe button! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
November 7, 2018
You’ve gone through all the hard work of saving your money for a down payment, you’ve spent countless hours searching for the right investment property, and now it’s time to find the right tenant! It can be pretty tempting to cut some corners on that last step, but the type of tenant who signs your lease can be the difference between that rental being a blessing or a curse. The good news is that as a landlord, it’s much easier than you think it is to take the right steps to ensure that you do a proper job screening applicants.And even if you’re a renter you might find this episode particularly helpful as you try to snag that next place that you call home for the next 12-24 months!And during this episode we enjoyed a Raspberry Johnny Cashmere by Variant Brewing Company which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts!Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
October 31, 2018
Nobody ever wants to be called cheap- it’s an insult and brings all sorts of negative connotations with it. However, being frugal is a badge of honor and something worth striving towards. There is a temptation to become cheap when you are looking to get your finances in order, but instead we would encourage frugality over being a cheapskate. In this episode we break down the differences between the two as well as share some stories from when we’ve attempted to be frugal but it ended with us being cheap! In our lives, we’ve found it’s pretty dang hard to label something as cheap vs. frugal because one person’s ‘cheap’ is another’s ‘frugal’. That’s why we discuss our 5 principles or guidelines that will help you determine: are you frugal or are you cheap?And during this episode we enjoyed a Stiegl Grapefruit Radler which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts!For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
October 24, 2018
Over half of Americans don’t have a will- and this is a huge problem. You might think you don’t really need a will, but if you have any assets, a spouse, or kids you most definitely do. Wills aren’t just for old people! Most often people feel that they can always put it off until a little bit later, but the best time to go ahead and create a will is right now. It can be an unsettling topic as most folks don’t enjoy talking about their mortality, but having the peace of mind in knowing that your children and assets are in the right hands after your untimely death is worth any short term discomfort. In this episode we cover the big reasons why you need to have a will, why you likely don’t need a lawyer involved, and how to create a will for free.And during this episode we enjoyed a Sweet Leilani by Cherry Street Brewing which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts!For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
October 17, 2018
Imagine that you have a well paying job but otherwise it sucks and you wish you could leave. And now imagine that an amazing opportunity comes along for you to start your dream business- that thing you’ve always wanted to do, but the problem is that you know you won’t be able to pay yourself for a solid year. What you need is peace out money to keep you afloat! Or maybe some family or health issues have come up and you want to be able to spend time with family, or maybe you just want to take some time off and road trip it for 6 months. Either way, the answer is peace out money! We’re defining this as having enough money on hand to leave situations or jobs where you could technically stay, but you’re choosing not to because you’d rather do something else. You have that peace out money to bridge you to the next job or opportunity that you really want to pursue. Listen to the full episode to hear the additional benefits of peace out money, how it's different than reaching financial independence, and then finally the steps you can take to make sure you have your own peace out money set and ready for when you need it.And during this episode we enjoyed a 2014 Oud Bruin by yEast Atlanta Brewers which you can find and learn all about on Untappd. A big thanks to our friend John for brewing, aging, and donating this beer! If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts!For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
October 10, 2018
Most folks are paying more than twice as much as they need to for cell phone service! The biggest reason for that is because they haven't shopped around- they're blindly paying the overpriced plans from 5 years ago. The average monthly cell phone bill is $73 and by the end of this episode, you’ll know how to get that down drastically- closer to the $25 per month mark which is the new golden standard. Plus, you’ll be able to do that without having to be on a massive friends and family plan like we are (seriously, it’s like we’re playing a game of sardines!).And during this episode we enjoyed a Zarza Marrón by Casa Agria Specialty Ales which you can find and learn all about on Untappd. A big thanks to our friend Josh for trekking this beer all the way to Atlanta. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts!For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
October 3, 2018
The newest iPhones that were just released are anywhere from $1,000 to $1,500 - that is a ton of money!!! With all the different functions and duties that our smartphones are able to perform, it’s no surprise that the prices are continuing to climb but don't pay full price! Regardless if you’re getting the latest and greatest iPhone release, or if you’re buying last year’s Moto, you want to be getting a deal. In this episode we cover a bunch of different ways to save on your phone upgrade including where and when to buy, how to easily reset your phone of personal information before selling it, and some alternatives to getting a new phone altogether!And at the beginning of this episode we enjoyed a French Oak Saison by New Belgium which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts!For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
September 26, 2018
After the Equifax data breach where 148 million people’s personal information was compromised, it's especially easy to see how vulnerable we are as consumers. So now more than ever, is the time to freeze your credit! A new federal law has made it completely free to freeze and thaw your credit, so you don't have any more excuses. In this episode we talk about why this is so important, we cover what a freeze does (and what it doesn't do), and then we tell you exactly how to do it. Seriously it's so incredibly easy that it shouldn't take you more than about 5 minutes from start to finish!And at the beginning of this episode we enjoyed a Focal Banger by the Alchemist which you can find and learn all about on Untappd. A huge thanks to our friend and pastor Matthew for donating this beer and supporting the show! If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts!For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
September 19, 2018
You feel rich! The stock market is up and you might be wondering if now is the time to sell. Even if you don’t keep up with any financial news, you’ve likely heard how we’re in the longest running, bull market in US history. Your investment portfolio is looking pretty fat because you’ve purchased low and now it’s time to sell high- that’s how the old adage goes right? Or at the very least maybe you shouldn’t continue to invest because we’re at the peak, the top of the market, right? But then there is this thing called dollar cost averaging that you know deep down, is probably what you should be doing. Listen as we break it all down and discuss whether or not you should time the stock market.And at the beginning of this episode we enjoyed an Über Quench'l by Heist Brewery which you can find and learn all about on Untappd. A huge thanks to Kevin in North Carolina for donating this beer and supporting the show! If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts!For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
September 12, 2018
Let's talk about lesser known credit card benefits! Did you know that with a credit card you might already use, you have access to $600 worth of cell phone insurance that is already baked into the card? Or that some credit cards will reimburse you up to $500 if something you purchased drops in price and you make a claim within 90 days? There are countless hidden benefits that credit cards offer- and you need to know they even exist before you can benefit from them so be sure to have a listen!And at the beginning of this episode we enjoyed a Thunder Thief by Atlanta Brewing Company (formerly Red Brick Brewing) which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts!For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
September 5, 2018
Who doesn’t want to earn more money?! In a time where we’ve seen wage growth stagnation, workers want to make more or in some cases, they can’t seem to get out of the cycle of living from paycheck to paycheck. Side hustles are the answer! There are lots of pros and cons which we cover, but not all side hustles are created equal. In our new sharing or gig economy, oftentimes the default response to just go drive for Uber or Lyft, or even charge Bird scooters- but we argue that these are dead end ‘hustles’ and aren’t much better than punching the clock at a traditional job. Listen to the entire episode as we list some options and discuss what a better, scalable side hustle looks like.And at the beginning of this episode we enjoyed a Tears of My Enemies by Monday Night Brewing which you can find and learn all about on Untappd. A huge thanks to the guys over at MNB for donating this beer and supporting the show! If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts!For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
August 29, 2018
Americans spend WAY too much on groceries! After housing and transportation, we spend more money on food than anything else- close to 15% of our expenses. On a recent episode Matt mentioned how his family eats on $1 per person per meal, and so we figured it was time to spend an entire episode discussing how you can cut your grocery bill like crazy! If you’re not really into cooking we give some very easy and helpful tips that you can start trying out today, but we also talk about some more advanced and cost savings ways of putting meals together if you’re ready to take it to the next level.And at the beginning of this episode we enjoyed a Darkness by Surly Brewing Company which you can find and learn all about on Untappd. A huge thanks to listener Mike in Minnesota for donating this beer and supporting the show! If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts!Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
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