How to Money

In this enlightening discussion, the hosts tackle the perils of AI financial advice, warning listeners against its potential pitfalls. They explore the rise of Buy Now, Pay Later services and the debt spiral they can create. The conversation also covers emotional spending and the risks of online gambling. Highlighting the importance of credible charities amidst donation scams, they offer insights into managing personal finances and maximizing cashback opportunities. Expect a blend of optimism about future financial trends alongside caution about risky behaviors!

Join Bernadette Joy, a vibrant money coach and author of "Crush Your Money Goals," as she shares her inspiring journey from a daunting $300,000 debt to financial independence. Learn about her innovative CRUSH method for setting financial goals and why she challenges traditional views on emergency funds. Bernadette discusses the emotional aspects of money management, the importance of mindful spending, and transforming side hustles into meaningful businesses. Discover her fresh take on budgeting with her $1 Rule and the concept of 'screenless Sundays' for enhanced well-being!

Dive into listener questions about financial strategies! Discover how the Sahm Rule can guide your investing during recession fears. Explore the new Halfmore app helping kids save in Roth IRAs while teaching them financial responsibility. Debate the value of inherited accounts for major expenses versus smart financial planning. Plus, enjoy some lighthearted discussions about coffee preferences and the importance of seeking second opinions from financial advisors. It’s a lively blend of practical advice and engaging topics!

This week features intriguing insights on managing credit scores and the changing landscape of medical debt. Discover the ideal timing for purchasing used cars and the hidden risks in alternative investments. The hosts share tips on DIY home insulation while warning about rising credit card defaults. Plus, they explore gift card strategies to maximize your rewards and tackle the overwhelming nature of credit card debt. Tune in for practical tips to enhance your financial health!

Dr. Jordan Grumet, author of "The Purpose Code," focuses on finding joy and purpose in life rather than just financial independence. He distinguishes between 'Big P' and 'little p' purpose, emphasizing smaller, enjoyable activities that yield fulfillment. The conversation explores the interplay between money, happiness, and personal relationships while highlighting how actionable steps can help align life with purpose. Grumet encourages young people to pursue meaningful activities over mere financial gain, advocating for a balanced approach to happiness.

Listeners dive into a range of intriguing financial queries! Discover the perfect moment to part ways with your old car. Get insights on whether it’s wise to live off one income for better financial aid. Explore whether dropping your escrow account is a smart move. Find out if buying silver from Costco is truly a good investment. And learn about employee stock ownership plans, especially when it comes to Walmart stock. Valuable advice wrapped in a fun format keeps the conversation lively!

This week dives into the impact of AI on investing and how tech is revolutionizing financial guidance. Binge shopping trends and their ties to social media are examined, alongside strategies to regain control over spending. The conversation highlights the evolving landscape of financial advice, while also calling out problematic practices from apps like Honey and Zelle. Listeners get practical tips for 2025 financial goals, managing debt, and embracing affordable pleasures that strengthen community bonds.

Jesse Mecham, the founder of You Need A Budget, shares invaluable insights on budgeting strategies. He emphasizes the need for intentionality in personal finance, arguing that budgeting can enhance enjoyment in spending. Jesse outlines his four rules of budgeting and addresses common misconceptions about credit card use versus debit cards. The conversation also touches on prioritizing meaningful experiences over material possessions, and how tools like YNAB can help individuals regain control over their financial lives.

Celebrate financial victories with tales of triumph in the world of personal finance! Hear inspiring stories like flying to Hawaii for free, maxing out 401ks, and even a listener hitting millionaire status. Discover the importance of tracking finances, understanding spending patterns, and the role of professional advice. Enjoy humorous work anecdotes and learn smart strategies for budgeting and saving. This discussion is not just about numbers—it's a motivational journey for taking charge of your financial future!

Sitting too much can be as harmful as consumer debt! Dive into strategies for managing debt effectively, from negotiating lower interest rates to understanding budget essentials. Discover how to conquer post-holiday financial hangovers and the psychology behind repayment methods. Explore popular techniques like the debt snowball versus avalanche approaches. Plus, celebrate those small victories along the way, envisioning a brighter, debt-free financial future!