
How to Money
Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living a rich life.
Latest episodes

Jun 5, 2024 • 53min
Asking the Right Questions to Save More Money w/ Matt Schulz #836
Financial expert Matt Schulz discusses the importance of asking the right questions to save money. Topics range from navigating financial conflicts to effective negotiation techniques. Learn to advocate for yourself in all areas of life, especially when it comes to money.

Jun 3, 2024 • 52min
Ask HTM - iPhone Upgrades, Burden of the Gift Tax, & A Potential HSA ‘Gotcha’ #835
Discussion includes who pays gift tax, managing old 401k, HSA reimbursed medical expenses, and affordable iPhone upgrades. Tips for personal finance like money gear, credit card selection, and reducing cell phone bills are shared. Also, a Danish Pilsner beer review is featured in this episode.

May 31, 2024 • 36min
Friday Flight - Recession Vibes, Addicted to Autos, & Paying for Friends #834
Topics discussed in the podcast include recession vibes, buying nothing, teens impacting job market, paying for friends, addicted to autos, bookoos of bikes, and affordable travel. Also, tips on financial decision-making, early retirement trends, creating community on a budget, and managing subscriptions with RocketMoney app.

May 29, 2024 • 53min
In This Economy!? w/ Kyla Scanlon #833
Stimmy checks, the productivity paradox, the housing theory of everything – these are just a few of the topics covered with our guest, Kyla Scanlon. It’s tricky to describe who Kyla is and what exactly she does because, yes, she has a massive following on TikTok… but she’s not simply an influencer. She also has an incredible newsletter, but she isn’t simply a writer, even though she has written for the Times, NY Magazine, and Bloomberg. AND, her brand-new book, “In This Economy?: How Money and Markets Really Work,” was just released yesterday. But we think that ultimately Kyla is an educator because she excels at bridging the gap between the complexities of our modern economy and everyday living. It’s clear that she is passionate about empowering individuals with the knowledge they need to make informed financial decisions. Plus, she does all of this with a touch of humor while not ignoring the philosophical angle as well… happy listening! 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. 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. During this episode we enjoyed a Flight by Yuengling! 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! Best friends out!See omnystudio.com/listener for privacy information.

May 27, 2024 • 53min
Ask HTM - Consolidating Multiple Retirement Accounts, Rolling Equity into a New Home, & Keeping Up with an Allowance #832
Topics covered in this episode include managing equity when buying a new home, tracking kids' savings while shopping, prioritizing retirement accounts, and standing out in rental competitions. Also discussed are teaching financial skills at work, real estate investment strategies, teaching kids financial responsibility, and streamlining finances for better investments. The hosts also highlight strategies for finding housing in competitive rental markets and rate a beer tasting experience.

May 24, 2024 • 31min
Friday Flight - Forgetting Football, Home Improvement ROI, & Ignominious Investing #831
Topics discussed include naming beneficiaries for retirement accounts, the rising costs of streaming sports, utilizing walking for health and productivity, exploring Scotland and Airbnb hosting benefits, exploitation by I am Academy, informed decision making on degree choices, and more.

May 22, 2024 • 58min
Conscious Capitalism w/ Whole Foods Founder John Mackey #830
Remarkable entrepreneur John Mackey, co-founder of Whole Foods, discusses conscious capitalism, eating healthy foods at lower costs, starting a business, and capitalism's role in society. The podcast explores the origins of Whole Foods, benefits of capitalism, criticisms, enabling entrepreneurship, and the impact on consumer budgets.

May 20, 2024 • 53min
Ask HTM - Perpetual Homeowners Insurance, Deflating Your Taxes, & Paying Less for a Living Trust #829
Topics include perpetual homeowners insurance, reducing property taxes, factors to consider in a living trust presentation, and saving money with a health sharing plan. Learn about personal finance tips, credit card tools, and cell phone bill savings. Dive into chapters exploring insurance policies, property tax assessments, legal services for living trusts, and affordable estate planning solutions. Discover the benefits of health sharing plans and financial protection for future planning.

May 17, 2024 • 33min
Friday Flight - FREE cell service, Phantom Debt, & Politicized Investing #828
Topics like FREE cell service, phantom debt, politicized investing, Gen Z credit card debt, and the Social Security time bomb are discussed in this episode. Also, tips on reducing cell phone bills and avoiding delinquent payments are shared.

May 15, 2024 • 53min
Apprenticeships: Earn AND Learn Simultaneously w/ Ryan Craig #827
Expert Ryan Craig explores the benefits of apprenticeships as an alternative to expensive college education. Discusses the shifting landscape of workforce development and the potential for earning while learning. Highlights the advantages of apprenticeships in bridging the skills gap and addressing student loan debt and underemployment. Encourages younger generations to consider diversified career paths and alternative education options.