How to Money
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How to Money
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...
Kamakailang Episode
93 episode
Are Teachers Doomed to a Broke Retirement? w/ Shaun Morgan #1112
Joel married into a family of teachers. His father-in-law has spent nearly 40 years in the classroom, his mother-in-law has taught for 30, and his bro...
Ask HTM - Debating a Raise vs WFH Flexibility, Investing in Nvidia, & Digital Hygiene Frugal or Cheap #1111
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 fo...
Friday Flight - Jump at the Pump, Lessening Leverage, & Tapping Too Soon #1110
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headl...
Bouncing Back from Bankruptcy & Business Failure w/ Phil Sanders #1109
Joel met Phil halfway through a marathon a few months ago – literally in the middle of the race. It’s funny how life works and after running side by s...
Ask HTM - Housing Rule of Thumb, Axing a Boat Payments, & Making Bank on the World Cup #1108
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 fo...
Friday Flight - Tariff Turmoil, Winning So Much, & Border-Hopping for Bargains #1107
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headl...
Die with Zero w/ Bill Perkins #1106
Most money advice is a broken record: save more, invest early, and wait for freedom. But what if the real risk isn't running out of money but instead...
Ask HTM - High Net Worth but still Paycheck to Paycheck, Better Investing for Freelancers, & the Necessity of Amazon Prime #1105
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 fo...
Friday Flight - 401k Mullets, Crappy Coffee, & Bitcoin Bashing #1104
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headl...
Why Being “Good With Money” Still Feels So Hard w/ Shannah Game #1103
How often do you stop to consider that your hormones might be the ones clicking "Add to Cart"? We like to pretend money is just logic and spreadsheets...
Ask HTM - Student Loans in Administrative Forbearance, Intentionally Entering into Collections, and Financial Infidelity #1102
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 fo...
Friday Flight - Stealthy Skimpflation, Janky Job Markets, & Day-Trading Doris #1101
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headl...
Talk About Money Without Fighting w/ Dr. Sonya Lutter #1100
Money fights are one of the most common, and most damaging, sources of tension in a relationship. Whether it’s spending, debt, or mismatched financial...
Ask HTM – ADU vs iBonds, Timing a Silver Sale, and HELOC Unlocking Landlord Status #1099
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 fo...
Friday Flight - ‘The Lipstick Effect’, Cheap Chinese EVs, & DIY Solar #1098
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headl...
The Case for Frugal Hedonism w/ Annie Raser-Rowland #1097
Jumbo shrimp. Open secret. Bittersweet. We call these oxymorons - ideas that shouldn't work together, yet somehow do. Most people put 'frugality' and...
Ask HTM – Money Gears Mixup, Stewarding an Inheritance, & Turning to Gold! #1096
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 fo...
Friday Flight - Richer Refunds, Best Costco Buys, & $3 Dinners (don’t have to be this sad!) #1095
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headl...
Student Loan Chaos Explained w/ Stanley Tate #1094
The whiplash student loan borrowers have experienced over the past few years has been staggering. Payments paused, forgiveness promised, forgiveness b...
Ask HTM – Assets to Boost My Credit Score, Lifestyle Geographic Arbitrage, and Car Loans to get Wealthier #1093
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 fo...
Friday Flight - Points for Paying your Mortgage, Credit Card Consultants, & AI UBI (to each according to his need!) #1092
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headl...
The Art of Spending w/ Morgan Housel #1091
Spending money is EASY… it’s the saving and investing that’s hard, right!? Not necessarily. Our guest today isn’t going to judge your spending habits,...
Ask HTM - Combatting Healthcare Premium Hikes, Purchasing Long Term Disability, and WTD with Nine-Figure Wealth #1090
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 fo...
Friday Flight - Credit Card Caps, Free Rent, & Pokemon Investing #1089
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headl...
Own Your Time: Build a Life You Control w/ Andy Hill #1088
We all get the same 24 hours – but it sure doesn’t always feel that way, does it? Why is it that some people seem to have time for hobbies, meaningful...
Ask HTM - Gym Edition Frugal or Cheap, Blaming the Baby for Lifestyle Upgrades, and Dipping into Savings for a Camper #1087
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 fo...
Friday Flight - Return Rabbits, Double Majoring, and Nihilistic Renters #1086
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headl...
Spending Life Wisely: Vicki Robin on Money, Meaning, and Time #1085
“The quality of your life pretty much exists outside of the realm of money.” That’s a quote from today’s guest and we’re going to spend a good amount...
Your Smart Money Guide for 2026 #1084
New year, new outlook, and a fresh strategy for your wallet. Welcome to 2026!
In this episode, we’re setting the table for the year ahea...
The High Cost of Crappy Credit (Bestie Ep) #1083
Think back to the last time you lost power at your place. I’m sure it was an inconvenience- it was likely annoying to find yourself walking into a roo...
Time > Money w/ Ben Miller (Bestie Ep) #1082
Time is easily our most precious resource, but rarely do we pay much attention to what it is that we’re going to spend our minutes and hours, which in...
Ask HTM - Work Provided Life Insurance, Compounding Returns with a 401k True-Up, & Selling a Home to an iBuyer (Bestie Ep) #1081
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 fo...
Holiday Special: 2025 Lessons, Risky Bets, and an Alaska Surprise (BONUS EP)
A big thanks to our friend Joe Saul-Sehy for inviting us to join an episode of Stacking Benjamins – we had a blast, and we think you'll enjoy this con...
Who Wants to *Literally* Be a Millionaire? (Bestie Ep) #1080
Sherlock Holmes is a literary character we’re all familiar with who has the uncanny ability to solve any mystery he comes across. And one of the thing...
Families Fly Free w/ Lyn Mettler (Bestie Ep) #1079
Traveling for free sounds like a lofty goal for most folks. Sure if you’re single or if you’re a DINK couple- but there’s no way you can pull that off...
Ask HTM - Caring for Parents, Dreaming of Partial Retirement, and Paying Extra on the Mortgage #1078
Let’s kick off 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...
Friday Flight - Deceptive Dollar Stores, Frustrated Flippers, & Betting Your Credit Card Balance #1077
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headl...
Becoming a Rational Investor w/ Ben Felix #1076
Tall fellas UNITE! Joel has to contend with talking with someone who is taller than him for a change, but that’s mostly besides the point (unless tall...
Ask HTM – Double Dipping Expense Ratios, Wealth Building with High Deductibles, and when 50 Year Mortgages Make Sense #1075
Let’s kick off 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...
Friday Flight - Political $ Planning, Free Electricity, & Cash is Cringe (plus Instacart Iniquity, Advent Calendars, more...) #1074
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headl...