Ask HTM - Budgeting for Housing Splurges, ChatGPT for Your Savings, & Churning Free Gym Trials #964
whatshot 6 snips
Mar 31, 2025
This week, the hosts tackle a variety of listener questions with humor and expertise. They discuss budgeting for housing upgrades, the ethics of gym membership trials, and how to use AI tools like ChatGPT to enhance savings. Further insights include managing mortgage finances, understanding pensions, and the balance between frugality and potential exploitation. With advice on navigating homeownership and financial planning, this episode is filled with practical tips to help listeners make informed money choices.
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volunteer_activism ADVICE
Budgeting for Housing Splurges
Budget for home maintenance and cosmetic upgrades, prioritizing needs over wants.
Avoid going into debt or neglecting retirement savings to fund these upgrades.
volunteer_activism ADVICE
Choosing Savings Accounts
Prioritize legitimate online banks like Ally, Capital One, Discover, or CIT over neobanks for savings.
Consider factors like FDIC insurance, customer service, and long-term stability.
volunteer_activism ADVICE
Using AI for Finances
Use AI for tasks like budgeting, meal planning, or resume writing, but tread carefully with financial advice.
AI-generated financial advice may be inaccurate or unsuitable for your situation.
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Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!
1 - Is there a new homeowner rule of thumb for housing maintenance for that first year of ownership?
2 - Should I use ChatGPT in order to juice my savings returns?
3 - Does it make sense to pay off my mortgage with savings in a brokerage account?
4 - Do I include a pension lump sum when calculating my net worth?
5 - Churning gym membership free trials: frugal or cheap?
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Find the best credit card for you with our new credit card tool!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
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