
 How to Money
 How to Money Friday Flight - Refi Revival, Delay Pay Disaster, & Landline Love! #1047
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 Oct 10, 2025  Explore the resurgence of refinancing as interest rates shift, along with strategies for maximizing retirement contributions by 2026. The podcast dives into the risks associated with Buy Now, Pay Later schemes, especially for travel. Landlines make a quirky comeback, promoting healthier conversations for kids. Plus, the hosts discuss the potential pitfalls of using AI and chatbots in everyday life. Tune in for essential tips on avoiding scams and understanding debt collections in today's tech-driven world. 
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Refinance Only After Breakeven Check
- If refinancing, calculate your breakeven to cover closing costs within about two years before proceeding.
- Shop multiple lenders and compare rates to save additional fractions of a percent and reduce long-term cost.
Automate Monthly IRA Contributions
- Automate IRA contributions at about $625 per month to hit the $7,500 2026 limit.
- Start autopay in January so you consistently max the account by year-end.
Bigger Contribution Limits Signal A Shift
- The IRS raised 2026 retirement contribution limits, signaling cultural and policy shifts toward greater individual retirement responsibility.
- Higher limits make maximizing Roths and workplace accounts more achievable for savers.



