Joel Larsgaard and Matt Altmix, co-hosts of How to Money, share their financial wisdom to help listeners navigate holiday spending. They discuss the importance of morning routines for productivity and the need for budgeting to avoid overspending during the festive season. Listeners are encouraged to reflect on past spending habits and set financial goals for the New Year. The duo also emphasizes reassessing unnecessary expenses, managing subscriptions, and balancing personal time for improved mental wellness. It's an insightful guide to financial sanity!

Guests Joel Larsgaard and Matt Altmix discuss personal finance hacks for millennials, touching on topics like spending triggers, credit scores, homeownership vs. renting, and the dangers of 'buy now, pay later' systems. They also share tips on saving more, avoiding impulse buying, and the importance of paying yourself first in personal finance.