808 episodes

Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living a rich life.

How to Money iHeartPodcasts

    • Business
    • 4.6 • 3K Ratings

Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living a rich life.

    Real Estate FIRE w/ Alan Corey #806

    Real Estate FIRE w/ Alan Corey #806

    We love real estate! Any long-time listener of the podcast knows that we’re fans of investing in real estate. We both have a handful of rentals and a decent chunk of our financial success is due to those houses! That being said, we also approach the conversation with a degree of reservation because we don’t think it’s for everyone- it’s not nearly the source of passive income like many would lead you to believe. Not to mention we happened to dip our toes in the waters at a historically great period of time. So we’re nuanced, but our guest today is NOT! Here to preach the real estate gospel is Alan Corey who is all-in: he’s a realtor, author of A Million Bucks By 30 as well as House FIRE, which we’ll be discussing today, and of course an investor himself. Alan is a self-proclaimed ‘real estate maximalist’ here in our wonderful city of Atlanta, and we’re going to talk about all things real estate- the current state of the market, why first time home buyers shouldn’t wait, why he doesn’t care about interest rates as an investor, the role of leverage when investing in real estate, if umbrella insurance is enough to mitigate risk, how to think about investing in an Airbnb, vacation rentals, and 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 an Oost by HighGrain Brewing- a big thanks to Mike and Kristy for donating this one to the pod! 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.

    • 55 min
    Ask HTM - The Key Personal Finance Metric, Negotiating A Lower Car Loan Rate, & WTD When Your Cheese Is Moved #805

    Ask HTM - The Key Personal Finance Metric, Negotiating A Lower Car Loan Rate, & WTD When Your Cheese Is Moved #805

    Let’s dive into the week with some fresh listener questions we have lined up for you! And 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!

     

    1 - Am I supposed to include employer contributions when determining my savings rate?

    2 - Is it possible to negotiate a lower car loan interest rate now that I have a higher credit score?

    3 - Should I save extra for retirement if I have a healthy guaranteed pension?

    4 - After purchasing my dream home, what should I work towards next?

     

    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 Alpsi by HighGrain Brewing- a big thanks to Mike and Kristy for donating this one to the pod! 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.

    • 50 min
    Friday Flight - Blue Collar Cash, Restless Realtors, & Social Media for Savings #804

    Friday Flight - Blue Collar Cash, Restless Realtors, & Social Media for Savings #804

    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: a reason for checked bag fees, mandatory 4-day workweeks, post-achievement life, right to disconnect, valuing a leisure ethic, underwater cars and diving used car prices, restless realtors, negotiating fees, blue collar cash, no-loan degrees, and social media is for savers.

     

    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.

    • 35 min
    Tightwads vs Spendthrifts w/ Scott Rick #803

    Tightwads vs Spendthrifts w/ Scott Rick #803

    When you read the words: tightwad and spendthrift, it’s likely that you find yourself drawn to one over the other. Maybe you’ve always been on the cheaper end of the spectrum and you see it as being a responsible adult. Or maybe you’re more like a lot of Americans and you find it impossible to pass up a good sale- even if you don’t necessarily need that item you just want to have some fun! Or perhaps you’re what our guest today calls an ‘unconflicted consumer’. Either way, the good news is that you’re not locked into this archetype forever. You can modify your behavior which can be incredibly beneficial, not only for your personal financial goals, but also to your relationship with your spouse or significant other. To talk about that and more today, is Scott Rick. Scott holds a PhD in Behavioral Decision Research from Carnegie Mellon. He’s known for his work on consumer financial decision-making where Scott focuses on the emotional aspects that influence spending behaviors and his latest book is Tightwads and Spendthrifts: Navigating the Money Minefield in Real Relationships. Today we discuss how retail therapy actually works, why financial opposites tend to attract, the best ways for couples to combine their money, “spending roles” for tightwads and spendthrifts, 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 Dreh by HighGrain Brewing- a big thanks to Mike and Kristy for donating this one to the pod! 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.

    • 55 min
    Ask HTM - Overpriced Organics, Health Sharing Risks, & Tax Sheltering for High Earners #802

    Ask HTM - Overpriced Organics, Health Sharing Risks, & Tax Sheltering for High Earners #802

    Let’s dive into the week with some fresh listener questions we have lined up for you! And 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!

     

    1 - Is it worth spending extra money on organic products for your baby?

    2 - How do I move my cash over to a high yield savings account and should I move ALL of it?

    3 - What is the best way to tax shelter retirement funds if I’m a high wage earner?

    4 - Health sharing accounts seem like a great way to save money, but what are the risks?

     

    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 Gnomaste IPA by Moat Mountain Brewing- a big thanks to Todd for donating this one to the pod! 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.

    • 54 min
    Friday Flight - Crappy Credit Unions, Contractor Scams, & Aldi Everywhere #801

    Friday Flight - Crappy Credit Unions, Contractor Scams, & Aldi Everywhere #801

    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: Rivian R2 deposits, streaming services vs. a Tesla, car privacy invasions, plummeting savings rates, crappy credit unions, cheap coffee hacks, contractor scams, smaller affordable homes, Airbnb scapegoat, Aldi everywhere, self-checkout lanes, & donation solicitations, 

     

    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.

    • 33 min

Customer Reviews

4.6 out of 5
3K Ratings

3K Ratings

WesleyJellin ,

Enjoyable and Helpful

I have listened to the show a few years now, and realized I have never left a review! This show is full of great advice and is an enjoyable listen as well. Joel and Matt give very realistic advice, and definitely know their stuff!

HSVNavy ,

Entertaining and informative

Thanks Joel and Matt for making my weekly drives fun and helpful with your delivery and many tips.

lik.08 ,

5 stars!

Good advice delivered in an entertaining way! Easy to digest information - cheers!

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