How to Money

Former Wall Street professional, Ben Miller, traded his career for a fulfilling life and developed the app ChroniFI. Topics include: nerdy board games, work/life balance as an entrepreneur, spending money on fulfillment, determining 'enough', paying for convenience, finding a balance between solving problems and outsourcing, and determining values and mission.

We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!   1 - How much cash should I keep liquid as I’m looking to renovate my home and pay off student loans? 2 - Are medical expenses incurred by my family members reimbursable via my health savings account, decades into the future? 3 - As a recent divorcee, should I use my emergency fund or a maturing CD to eliminate my credit card debt? 4 - Should I be concerned that my bank received a “negative outlook” by Moody’s? 5 - I’m getting my MBA and am wondering if I should save up those tuition dollars in a 529 account or my high yield savings?   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 These Are Depictions of Yet Another Revolutionary Absence, which was a collaboration by Burial & 8th State! 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 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: T-Mobile autopay workaround, flight-booking sweet spot, skiplaggers beware, fancy airline seat upgrades, utilizing Instacart to save, worthless work, autonomy over pay, 1% down mortgages, rate forecasts, dropping homeowners insurance to save, & the best time to buy an iPhone.   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.

Dr. Virgie Bright Ellington, a doctor and insurance executive, shares a three-step process to minimize medical debt. They discuss common medical bill errors, the importance of CPT codes, how to avoid outrageous bills, and negotiating and documenting medical bills. They also highlight organizations that assist with medical debt and end the podcast with a discussion on beer and road trips.

Topics discussed in this podcast include using retirement savings as seed money, investing advice for a 16-year-old, buying a luxury car while having a car loan, accessing Roth 401k funds penalty-free, and paying off a mortgage early versus investing.

The podcast covers topics such as AMC stockholder perks, kitchen appreciation surcharge, credit card rewards potentially on the chopping block, Aldi acquisitions, ghostly gift cards, unwealthy stocks, Bitcoiners beware, TikTok Shop, girl math, & canceled cheap cars.

Finances get a little more complicated when a significant other enters the equation. There might be additional income which is nice, but don’t forget about their debt, emotional baggage around money, and independent financial goals which hopefully become shared goals! There’s no right or wrong way to do it, and that’s why we’re excited to hear from a couple- the married duo behind RadCoaches, Rebecca and Dylan! Like a lot of Americans today, they found themselves in a financial situation they were less than thrilled with, but what sets them apart is that they did something about it. Shortly after getting engaged they decided to take control of their finances and over the next 18 months they paid off over $45,000 of debt. During that process Rebecca and Dylan realized that the sense of financial freedom they were experiencing was something they wanted to share with others, and thus RadCoaches was born. We discuss better ways for couples to combine their money, what it means to be financially intimate, whether or not women specific financial advice is needed today, and plenty more!   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 White Angel by Wicked Weed! 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.

We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!   1 - I’m considering getting dental insurance- is it worth it? 2 - Why should I invest when I’m making so much in my high yield savings account? 3 - Should I cancel my old whole life insurance policy? 4 - As an engaged couple, what are the best ways to budget and combine our finances? 5 - And a Frugal or Cheap: lemonade at the county fair edition!   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 an Angel of Darkness by Wicked Weed! 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.

In this podcast, the hosts cover various interesting topics such as pet debt, job hopping, car value tracker tool, superfluous self storage, (not so) cheap junk, and the concept of Goldilocks cash.

We’re stoked to be talking with our friend Chad Carson, aka Coach Carson, which is also where you can find him online: CoachCarson.com. We’ve known Chad for years now but just because this feels like a more casual conversation to us, that doesn’t mean that he’s not going to bring the heat! We tout the benefits of small-time real estate investing, but Chad has made it his mission, and it’s the focus of his new book: Small and Mighty Real Estate Investor. During our conversation today Chad describes his experience of living abroad for a year with his family and how investing in real estate made that possible, house hacking as a gateway drug to investing in real estate, the difference between building wealth and achieving freedom, the risk you run by discounting the ‘romance’ of a property, ways to get around the high cost of mortgage lending, why it makes sense to pay off a mortgage early, and much more!   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 Zeros to Heaven West Coast IPA by Casa Agria! 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.