How to Money

Let’s dive into the week with some fresh listener questions we have lined up for you on this Special Tariffs Edition of Ask HTM (more on that further down). But 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!   But as the title states, we’re going to cover a ton of different questions that all pertain to the issue of tariffs and how they are going to impact you and your money. For instance: Should I diversify to international investing given the state of things? Can you discuss if tariffs are a form of regressive tax? Is moving more dollars into gold and crypto a smart move? Does my emergency fund get factored into unemployment benefits? How do you come up with a Bare Bones Budget? Is this a ridiculous time to sell our house? How should I consider an early retirement offer from my employer? As an investing ‘late bloomer’, how does market volatility impact my ability to save for retirement? Does more market volatility make paying for Betterment’s auto tax loss harvesting a good idea? and additional concerns...   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 Yellow Rose Smash IPA by Lonely Pint! 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.

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: Elon stickers, panic pre-purchasing, used car prices ticking up, tariff surcharges, make used great again, untrustworthy TikTok trends, buying vs being dupes, fatter E-funds, fearing overdraft fees, “recession hair”, overpriced 8k, predictable phone pricing, and Coachella with interest.   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.   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.

Daryl Fairweather, Chief Economist at Redfin and author of 'Hate the Game', dives into economic strategies for life decisions. She explores how game theory can aid choices like marriage and career moves. Daryl discusses the emotional side of home buying post-pandemic and offers tips for maximizing home value through smart renovations. Personal finance strategies, including managing subscriptions and retirement accounts, are also highlighted. With a dash of humor, she emphasizes balancing family and career priorities while embracing change.

Listeners dive into intriguing financial questions! Should you mimic Yale’s endowment fund investment strategy? Is DIY better than paying for DeleteMe to protect your privacy? The podcast also explores whether to roll over retirement accounts during market dips and the pros and cons of paying cash for a new car. With a blend of humor and practical advice, the hosts share insights on navigating investments, healthcare costs, and smart financial decisions. Plus, they sprinkle in personal anecdotes that make learning about money fun!

Flexibility is a key theme as the hosts share a playful anecdote about a beach trip marred by jellyfish, highlighting the need to adapt financial plans. They discuss strategies for navigating economic uncertainties, including managing mortgage rates and inflation. The importance of knowing your 'money gear' and embracing travel rewards amidst changing conditions is emphasized. They also explore the benefits of diversified income streams and maintaining an emergency fund for financial resilience. Overall, listeners are encouraged to stay adaptable in their financial journeys.

In this engaging discussion, Natalie Brunell, a former investigative journalist and host of the Coin Stories podcast, delves into the transformative power of Bitcoin. She argues that BTC is not just an investment but a new, incorruptible financial system promoting freedom and equality. Topics range from strategies for integrating Bitcoin into investment portfolios to the risks of third-party brokers. Natalie also tackles Bitcoin's role in mitigating inflation and wealth disparities, making a compelling case for its significance in modern finance.

This week, the hosts tackle engaging listener questions about fun money for newlyweds and the best strategies for retirement accounts. They discuss the pitfalls of long-term care costs and how to secure assets. The conversation also navigates joint finances in relationships, offering tips on budgeting and communication. Listeners learn to balance enjoyable hobbies with financial responsibilities, all while enjoying a unique craft beer. It's a lively chat full of practical advice for managing money and enjoying life!

This week, there's a delightful mix of thrift shopping tips and last-minute tax advice. The hosts discuss the impact of tariffs on prices, alongside the challenges of wage deflation. They dive into the world of secondhand phones versus pricey new models, promoting smart spending choices. Plus, the conversation touches on innovative financial services and the effects of buy now, pay later schemes on credit. Wrapping it up, the hosts emphasize the importance of informed financial decisions in today's economy.

Join Jasmine DeLucci, a savvy tax attorney and CPA, as she unpacks the secrets of navigating the complex world of taxes. She reveals why most people mistakenly accept the standard tax rate and offers strategic advice on optimizing liabilities. Learn the importance of IRS transcripts, how to vet tax preparers, and explore deductions—especially for family business travel. Discover generational wealth-building strategies and why informed tax planning is essential for monetary success! The conversation is informative, engaging, and sprinkled with humor.

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.