How to Money

Listener questions bring lively discussions on balancing student loans and investments. The hosts explore how faith influences financial choices, recommending stewardship over ownership. They also tackle the impact of loaning money to friends and its role in credit building. Tips for choosing the best cell service while traveling internationally are shared, alongside advice on strategic mortgage payments versus investing. With humor and personal anecdotes, it’s a vibrant mix of finance and everyday life.

Get the latest scoop on personal finance with intriguing insights! Discover how student loan repayments are making a comeback and the alarming rise in debt defaults. Explore the allure of 84-month car notes and the perks of VIP investments. Learn about strategic Roth conversions, the concept of mini-retirements, and the pitfalls of timeshares. Plus, get tips on ensuring your ID compliance for air travel. It's an engaging take on how to navigate the turbulent financial waters!

Who doesn’t wish that they were currently listening to this episode while lounging at the beach, on a European adventure, or even completely off the grid hiking somewhere amazing?! Of course we all want to do that but c’mon, it’s too expensive! That is the unfortunate excuse that we give ourselves for why we don’t travel as much as we’d like, but our guest is here to set the record straight. Scott Keyes is the founder of Going, the travel platform that was formerly known as Scott’s Cheap Flights. Over at Going, Scott is all about helping travelers snag the absolute best flight deals- from mistake fares, to the best time to book flights, to specific travel recommendations… listen as we have a wide-ranging conversation that will get you excited to plan your next excursion.   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 Kolsch by Altstadt 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.

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!