How to Money

Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like:  The refi revival 2026 investing limits Ditching the S&P Private equity in target date funds Falling behind on payments Debt collections on the rise Delay pay disaster Travel now pay later Landline loving Avoiding chatbots Getting paid for your data   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. Join a thriving community of fellow money in the HTM Facebook group. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!   Best friends out!See omnystudio.com/listener for privacy information.

Melissa Kearney, an economist and professor at Notre Dame, explores the profound implications of declining birth rates and changing family structures on the economy. She discusses how marriage affects financial stability and equity, alongside the non-monetary benefits of two-parent households. Kearney also highlights the economic impact of declining fertility on Social Security and suggests immigration as a potential solution. Her insights urge listeners to rethink financial strategies and prepare for a future shaped by demographic shifts.

This week, financial gurus tackle a variety of listener questions! Discover how to avoid credit card interest with smart autopay strategies. Learn when to secure a HELOC, especially before a potential income drop. They dive into whether investing in solar panels can help you retire earlier, weighing the costs and benefits. Plus, gain insights on how to persuade your parents against a risky loan for HVAC upgrades. Finally, explore affordable cellular options for kids’ smartwatches. An engaging mix of finance and practicality awaits!

This week's highlights dive into the implications of the government shutdown and the critical role of emergency funds. The hosts tackle rising streaming prices and caution against subscription overload. They warn about the risks of trading in underwater car loans and share insights on durable vehicles. Freelancing opportunities are explored, with a nod to the increasing prevalence of side-hustle scams. Finally, they discuss employer-funded savings initiatives and the debate around pharmaceutical advertising in today's market.

In this discussion, Professor Kristen Carioti, a personal finance expert and author, shares her mission to elevate financial literacy among students. She emphasizes how making personal finance a graduation requirement at Mount Mary University meets students’ eagerness to learn. Topics include the importance of budgeting as a 'plan', teaching investment strategies for young adults, and the need to unlearn harmful financial habits. Kristen also warns against predatory financial products and promotes lifelong money learning through practical tools.

Listeners dive into a world of financial dilemmas! They explore if switching banks can really pay off and tackle the best retirement accounts, debating between 457b and 403b options. Social Security strategies also come under scrutiny – should you draw early or delay? The conversation then shifts to building an ADU: is it smarter to use a HELOC or save cash? Plus, innovative ways to afford healthcare alternatives are discussed, shedding light on health sharing ministries. A fun beer review caps off the session, adding a tasty twist!

Discover the impact of recent coffee tariffs and how they affect your morning brew. Learn about 'just-in-case' financial planning and why it's crucial in uncertain times. The hosts debunk claims of a consumer caste system, emphasizing choice over barriers. They explore surge pricing in Las Vegas and how it can feel unfair. Additionally, find out why credit scores are declining and how alternative data might offer a new approach for assessing creditworthiness.

Justin and Haley Brown-Woods, financial counselors and co-hosts of the Price of Avocado Toast podcast, share their inspiring journey of paying off six-figure debt on teacher salaries. They discuss the emotional toll of financial shame and the importance of behavioral change in debt management. Listeners learn why tracking expenses is crucial for financial clarity, and how lifestyle inflation can lead to overwhelming debt. The couple also reveals how transformative experiences can strengthen relationships, proving that managing money involves both strategy and emotional insight.

Listeners dive into intriguing personal finance questions! They explore strategies for managing a hefty cash windfall from a home sale. The discussion also covers the best grocery credit cards and the pros and cons of annual fees. High earners learn about the backdoor Roth process. Additionally, the risks of opting for ultra-cheap car rentals are analyzed, alongside tips for effectively paying off credit card debt. It's a treasure trove of financial insights and practical advice!

This week's financial roundup features topics that blend fun with practicality. Discover the rise of pricey porch pumpkins and the implications of recent rate cuts on mortgages. The discussion touches on trends like job-hugging and the tax-free tip exclusion. There's a cautionary take on Gen Z raiding their 401(k)s for debt relief and the strategic decisions couples face to keep low mortgage rates. Plus, the podcast delves into the pros and cons of relying on AI for investment advice, ensuring you kick off your weekend financially informed!