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How to Money

Latest episodes

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Jan 22, 2024 • 51min

Ask HTM – Best Credit Cards for Honeymooners, Paying Extra on a Mortgage, & Buying a Car from a Rental Agency #778

Topics discussed in this episode include tackling HELOC after getting laid off, best credit cards for honeymoons, paying extra on a mortgage, saving for kids with 529 accounts, and whether it's frugal or cheap to buy a used Tesla from a car rental agency.
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Jan 19, 2024 • 32min

Friday Flight - Career Cushioning, AI at the Warehouse Club, & Overdraft Fee Elimination #777

Topics discussed in this episode include career cushioning, AI in the warehouse club, the elimination of overdraft fees, canceling memberships, the new FTC rule 'CARS' for car buying transparency, the importance of estate planning and asset protection, the burden of the $600 reporting requirement for selling used items, and questioning the necessity of certain fees in the home buying process.
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Jan 17, 2024 • 56min

Cruises: The Cheapest Way to Travel w/ Ilana from Life Well Cruised #776

Ilana, a cruising enthusiast and travel blogger, shares why she loves cruising, how to get the best deal during wave season, and the differences between major cruise lines. They also discuss the benefits of taking direct flights, choosing the right cruise based on factors like destination and length, and investing in cruise line stocks. Plus, they cover Wi-Fi packages on cruises and promote various products and podcasts.
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Jan 15, 2024 • 53min

Ask HTM - Too Rich to ‘Buy Nothing’, Small Cap Value to Maximize Returns, & Spending HSA Funds on Anything #775

Topics discussed include the benefits of Health Savings Accounts for tax advantaged investing, the affordability of leasing a car, maximizing investment returns with small cap value funds, and the ethics of participating in buy-nothing groups.
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Jan 12, 2024 • 34min

Friday Flight - WFH Fairness, Roth 401k Revamp, & MrBeast’s Debt Dystopia #774

MrBeast, YouTube star and philanthropist, discusses his debt relief efforts as part of the 'New American Dream'. The podcast also covers topics such as work-life balance, Roth 401k revamp, IRA matches, and keeping lifestyle creep at bay.
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Jan 10, 2024 • 54min

Overcoming Your Scarcity Brain w/ Michael Easter #773

Guest Michael Easter, author of the book 'Scarcity Brain', explores the concept of scarcity in our modern age. Topics discussed include the scarcity loop, gambling addiction, our incessant buying of stuff, gamification, and the addictive nature of websites and sports betting apps. They also touch on behavior change campaigns, the power of numbers, the benefits of scarcity, and the impact of surroundings on decision-making.
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Jan 8, 2024 • 44min

Ask HTM - Rule of 55 and Early Retirement, 5% Down Payments, & Transitioning a Kid to Financial Adulthood #772

This episode of the podcast covers topics such as buying a house with 5% down, transitioning a child to financial adulthood, tapping a 401k early with the Rule of 55, and offering retirement benefits for small businesses. It also discusses the pros and cons of renting vs buying a house and provides insights on setting up a teenager for financial success. Additionally, it explores affordable 401k options for small businesses and mentions low-cost providers. The episode concludes with beer tasting and sponsor messages.
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Jan 5, 2024 • 27min

Friday Flight - The Wealth Effect, Christmas Returns, & BNPL IRL #771

The podcast covers topics such as pennies and coinstar gift cards, fat 401k accounts and the wealth effect, 2024 being the year for student loans, 529 flexin, Christmas returns, new year new gadgets, leasing used cars, BNPL IRL, and a comparison between adjustable rate mortgages and fixed rate mortgages.
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Jan 3, 2024 • 50min

Buy Nothing to Gain Everything w/ Liz Chai #770

Learn how excessive buying can lead high wage earners to live paycheck to paycheck. Author Liz Chai shares her personal journey of buying nothing for a year. Explore the environmental impact of vintage shopping and the unexpected financial benefits of buying less. Discover how to furnish your home for free and the concept of living off second-hand items. They express gratitude for a beer donation and promote Liz's website and book.
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Jan 1, 2024 • 47min

Ask HTM - Ending A Car Lease, Velocity Banking Tricks, & When Index Funds Are Too Risky #769

Topics discussed in this episode include velocity banking, risks of index funds, ending a car lease, using digital platforms to teach kids about money, and the benefits of having cash on hand. The hosts also talk about setting financial goals, diversifying a portfolio for high net worth individuals, and the downsides of leasing a car.

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