How to Money

We’re kicking off the week by answering 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 - As a newlywed couple, should we combine our finances? 2 - How do I go about finding and then eliminating the fees associated with my 403b account? 3 - I received an inherited IRA- how do I make the most of this money if I’d like to eventually buy a house? 4 - Should I finish out a basement, build an ADU, or purchase a single/multifamily home if I’m wanting to diversify into real estate? 5 - What are your top 10 episodes that you’d recommend to noobs of personal finance?   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. Find a thriving community of fellow money nerds by joining the HTM Facebook group! Maximize your rewards by getting the best credit card for how you spend. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.   During this episode we enjoyed a Saison De Banc Vert by Green Bench Brewing! 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 our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it 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 cover some relevant and helpful stories like: tomorrow is National Cinema Day, sky high EV prices, heating your home this winter is gonna be pricey, e-bike incentives, at the brink of a possible housing recession, HGTV-ification of America, big brother employers doling out productivity scores, cheap ribeyes and brisket, buying meat in bulk straight from the farm, how eco-friendly is raising livestock, & Sam’s Club raising their membership fees.   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. Find a thriving community of fellow money nerds by joining the HTM Facebook group! Maximize your rewards by getting the best credit card for how you spend. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.   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.

How something is communicated to us can have a major impact on the reception of that idea. For instance, Joel’s wife has been known to offer great advice to him over the years- but he often only comes around when a friend makes a similar remark! He suddenly sees the light because even though the advice is the same, the context is different. It’s only then that he takes action. And similar patterns emerge when it comes to our susceptibility to advertising and marketing. Our subconscious often coalesces to marketing tactics that we tend to think we’re impervious to. We’re not quite as rational as we think we are, and those marketing tricks often nudge us towards buying things we don’t need and spending money we hadn’t planned on parting with. So listen as we identify some of these marketing maneuvers and the steps you can take to avoid becoming a mindless consumer.   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. Find a thriving community of fellow money nerds by joining the HTM Facebook group! Maximize your rewards by getting the best credit card for how you spend. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.   During this episode we enjoyed a Bibo by Creature Comforts! 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.

Our guest today, Brandon Copeland is an NFL player, but he’s also so much more than that. He most recently played for our local team, the Atlanta Falcons, last season but he’s won the Alan Page award for community service and we find his off-the-field activities even more fascinating. He runs a non-profit football camp called Beyond the Basics that not only teaches kids the technical skills of being a great football player, but also helps them to reach their full potential off of the field as well. He has a financial literacy course called Life 101 that he teaches at the University of Pennsylvania. He has a couple of real estate companies that he runs with his wife as well- it’s safe to say that Brandon is truly an entrepreneur! We talk about personal finances in the NFL, resisting the cultural pull to consume, setting our kids up for success, and much more in today’s episode.   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. Find a thriving community of fellow money nerds by joining the HTM Facebook group! Maximize your rewards by getting the best credit card for how you spend. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.   During this episode we enjoyed a Fortunatus by Three Taverns! 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 our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it 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 cover some relevant and helpful stories like: Student loan forgiveness has arrived, forgiveness tax implications, student loan payment caps, streaming viewership and prices continue to rise, unlimited movies are back, expensive offspring, wasting your library money, affordable hearing aids on the way, DIY coffins to save big, and props to one of our favorite outdoor recreational activities.   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. Find a thriving community of fellow money nerds by joining the HTM Facebook group! Maximize your rewards by getting the best credit card for how you spend. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.   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.

Gen Z listeners might not get this reference, but American Gladiators in the early 90s was the original American Ninja Warrior. The show was a series of events where a couple of really fit young folks would compete through a number of obstacles to win a cash prize. The only thing standing in their way? A roster of some incredibly ripped athletes who just wanted to punish you. The gladiators were literally slamming you down or jousting you off a raised pedestal- they were the biggest obstacles the competitors faced. And similarly, there are money obstacles that pop up out of nowhere that knock the wind out of our finances. Some obstacles are more external like the influence of our friends or unplanned expenses, but others are internal like a short-sightedness we might have towards our money or a lack of knowledge. So we’re going to spend this episode running through some of the different obstacles that are attempting to derail you on your path to financial freedom- and specifically, what to do about them.   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. Find a thriving community of fellow money nerds by joining the HTM Facebook group! Maximize your rewards by getting the best credit card for how you spend. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.   During this episode we enjoyed a Bibo by Creature Comforts! 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 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 - Should I consider micro jobs to make some supplemental part time income? 2 - How do I go about making frugal and green choices at the same time? 3 - Without any passive streams of income, where should I pull money for early retirement? 4 - Our house is going to need some major work in the next 5 years- should we sell now or renovate? 5 - How much would I pay in taxes in order to invest into a Roth IRA?   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. Find a thriving community of fellow money nerds by joining the HTM Facebook group! Maximize your rewards by getting the best credit card for how you spend. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.   During this episode we enjoyed a Rho by Equilibrium Brewery! 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 our Friday Flight! These episodes are a sampling of the week’s financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead during these trying times. In this episode we cover some relevant and helpful stories like: wearing used workout clothes, inflation resistant restaurants, dirt cheap groceries, trading down to save more, potentially paused payments, student loans impacting your golden years, happy birthday Social Security, worthless warranties, college student safeguards, TDF allowing you to DIY it within your 401k, actively managed funds kinda coming out ahead, specific EVs that get the new tax credit, & a sweet signup bonus on one of our favorite credit cards.   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. Find a thriving community of fellow money nerds by joining the HTM Facebook group! Maximize your rewards by getting the best credit card for how you spend. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.   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.

A couple years ago Matt got really into tracking his time for an entire year. Virtually every minute, there was an app running in the background as he was cataloging how he was spending his hours- all in an attempt to better utilize his time. And while 99% of folks will think that’s completely insane, they’ll likely admit that there might be some serious benefits to managing their time more efficiently. Similarly, we’re here to argue that negotiating is something that can benefit you regardless of what stage of life you’re in- whether you’re a student, a stay-at-home parent, or a CEO. Unfortunately there are a few misconceptions about negotiating that we’re going to tackle. But then we’ll go through a number of different factors to keep in mind that are going to make you a more effective negotiator in your day-to-day life. Factors like market research, your tone and non-verbals, the role of emotion during an interaction, and plenty more that’ll help you to earn more and spend less.   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. Find a thriving community of fellow money nerds by joining the HTM Facebook group! Maximize your rewards by getting the best credit card for how you spend. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.   During this episode we enjoyed a Cherry Grisette by Jester King! 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 getting a little nerdy on the show today with Allison Schrager who is our favorite author on the subject of risk. She’s an economist, a senior fellow at the Manhattan Institute, a columnist at Bloomberg Opinion, and co-founder of LifeCycle Finance Partners which is a risk advisory firm. Allison has had a varied career from working in finance, policy, and media with her byline often appearing in many different publications like the Economist and Wired. She’s also written a book, “An Economist Walks into a Brothel: And Other Unexpected Places to Understand Risk” that we’re diving into as well. And we’re going to discuss what risk looks like in our world today- how we should be interpreting it as individuals, as investors, and whether we should be exposing ourselves to more risk in a world that seems obsessed with the pursuit of safetyism.   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. Find a thriving community of fellow money nerds by joining the HTM Facebook group! Maximize your rewards by getting the best credit card for how you spend. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.   During this episode we enjoyed a Busy as Daggie by Tripping Animals! 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.