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PODCAST

How To Money

KFI AM 640 (KFI-AM)

How To Money with Joel Larsgaard and Matt Altmix is heard every Sunday 12-2pm.Joel and Matt are best friends who love talking about money while drinking delicious beer. So they created a podcast incorporating both! 45+ million downloads they are still energized by the mission of reaching people with practical money-saving advice.The Status Quo Isn’t Working -- 40% of Americans don’t have the ability to cover an unexpected $400 expense, college students are graduating with unfathomable sums of debt,

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All Episodes

33:38

Cash Uncovered

How To Money ·

2025/06/15

One person's trash is another person's treasure. Recent college grads are abandoning really nice stuff! It could be a pickers paradise.Ask HTM: Should you rent a car when going on an epic road trip?Third party apps are collecting data on us. Could that be contributing to the rise of insurance premiums?Ask HTM: What are the logistics of combining finances as newlyweds?

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32:45

Swipe or Skip

How To Money ·

2025/06/15

Even God would get fired as an active investor. So what makes you think you can be highly successful over time investing in single stocks!?Ask HTM: Jessica wants to know if she should pay for daycare with a credit card - even if it costs extra to do so.Used cars are starting to go up in value again. And Cyber Truck owners are finding that their value collapses within the first year of ownership.

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32:53

Miles, Money, and the Big Beautiful Bill

How To Money ·

2025/06/01

Southwest is officially charging for checked bags as of this week. That policy change should cause us all to reconsider our loyalty to a particular airline.Ask HTM: Nate has a frugal vs cheap about buying razors.The big beautiful bill is gonna change things on the tax front in a big way! HSAs, in particular, could get a whole lot better.Ask HTM: Bri wants to know how to choose the right target date fund inside of her retirement account.

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33:33

Smart Moves with Points and Property

How To Money ·

2025/06/01

Credit card points are being devalued right and left. Matt and Joel tell you what you need to know to spend the points you've accumulated in an optimized way.Ask HTM: Cade has a question about how to invest beyond his company match.Renting is cheaper than buying basically everywhere right now. And the gap isn't small. Know this: You're not throwing away money when you opt to rent! Ask HTM: Cassidy's insurance company is going to drop her if she doesn't address some issues around her home.

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32:43

Cash Windfalls & Floor Model Mattresses

How To Money ·

2025/05/25

Joel talks about his dishwasher arbitrage play. Also, does the Moody's credit downgrade matter?Ask HTM: Cheryl inherited some money and wants to know the wisest way to proceed with extra money in hand.Some high school juniors are getting $70k job offers. It reinforces the reality that there's a dearth skilled labor right now.Ask HTM: Buddy wants to know if it's ok to buy a floor model mattress.

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33:32

Gas, Gold, and Overfunded IRAs

How To Money ·

2025/05/25

More gas stations are charging extra if you pay with a credit card. Beware!Ask HTM: What should you do if you overfund a Roth IRA!?Americans believe that real estate and gold are the best investments in existence. But the numbers reveal that there's an even better way to invest.Ask HTM: Rebecca wants to know if she should buy an extended warranty with her new car. It's expensive!

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33:01

Streaming Sticker Shock, Car Cash Hacks, and Roth IRA...

How To Money ·

2025/05/18

The trend of cutting the cord continues. But with the proliferation of streaming channels, like ESPN's new $30 a month service, you could be spending more than you used to with cable! Ask HTM: Mary wants to know about funding a Roth IRA for a kiddo. Online car-selling sites are trying to convince folks to sell their used car. Carvana, for instance, is sending emails out to a slew of its customers to ask them to sell. But you'll do better selling your car to another human instead. The dollars you

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34:07

AI Therapy or AI Trickery?

How To Money ·

2025/05/18

The #1 use case of AI is therapy and companionship. But AI bots are lying to users about having the credentials of a real therapist! We're a little worried about our tech overlords pushing AI on us at every turn.Ask HTM: Yesel wants to know how to invest when she's on sabbatical.Chinese tariffs have been delayed. That's good news. But this is only a temporary trade-war truce. We'll see how things shake out. But tariffs continue to be bad economic policy.Ask HTM: What's the deal with a spousal Roth,

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33:31

Tiny Homes, Big Questions: Downsizing, Credit Cards &...

How To Money ·

2025/05/11

New home and apartment sizes are shrinking in the US. Opting for a smaller abode could be a great move for your finances!Ask HTM: Ben wants to know if you need a credit card to get through life.Target date funds continue to gain steam. They can be a great option for many investors!Ask HTM: David wants to know when to ditch full coverage on his automobiles.

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33:24

Bad Advice, Big Decisions: Credit Myths, Career...

How To Money ·

2025/05/11

An article about raising your credit score is full of bad info. Matt and Joel pick it apart.Ask HTM: Edward wants advice about going to back to school for a more enjoyable career.People are freaking out about social security and many are opting to snag their benefit sooner than they should. There's a lot to consider before you make that knee jerk response!Ask HTM: Is a Roth or traditional IRA better as you get closer to retirement?

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33:16

From Bare-Bones EVs to Building Resilience

How To Money ·

2025/05/04

A new Vanguard study finds that folks with $2k in savings are much more financially resilient. So don't neglect your savings.Ask HTM: Ann in CA wants to avoid living paycheck to paycheck. Does she need a financial coach? Slate Auto is launching a bare-bones electric truck for under $20k. Matt and Joel are excited!Ask HTM: Phil is saving up for a down payment. Should he be using a money market account instead of a HYSA?

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33:47

BNPL for Groceries, Hidden Tariffs, and Smart Ways to...

How To Money ·

2025/05/04

More Americans are using BNPL to pay for groceries. That's not good!Ask HTM: Heather from OH has a question about her sister's student loan payments.Tariffs are already having an impact. Amazon was planning on displaying the cost of tariffs for specific products on its site. But that's no longer happening. We like the idea of price transparency on tariffs!Ask HTM: Matthew has a question about paying off medical bills with a credit card.

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32:27

Student Loan Collections Return, Market Volatility,...

How To Money ·

2025/04/27

The department of education is going to start collection actions on student loans on May 5. Matt and Joel discuss what you need to do to be prepared for that!Ask HTM: A listener wants to know if he should pay off student loans or not.With all the recent market volatility, what do you do if you need to sell investments in short order!?Ask HTM: Is it possible to report loans individuals make to the credit bureaus?

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33:02

Early Retirement Regrets, Faith & Finances, and the...

How To Money ·

2025/04/27

Retiring early can come with regrets. Be careful what you wish for!Ask HTM: Jonathan wants to know the role that faith plays in our approach to finances.Is attending a timeshare presentation a good way to get a cheap vacation? Maybe. But be careful!Ask HTM: Does it ever make sense to sell stock to pay off mortgage principal early?

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33:44

Remember Covid Surcharges?

How To Money ·

2025/04/20

Consumers are panic pre-buying because of tariffs. But is that a good idea? Ask HTM: Bryant wants to know if international investing makes more sense in today's environment.We're starting to see tariff surcharges, particularly from smaller companies.Ask HTM: Matt and Joel take listener questions about the downstream impacts of tariffs, ie China retaliation and gold prices.

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32:55

Recession Trends Are Hot Again.

How To Money ·

2025/04/20

Do you need a 12-month emergency fund now!? That might be over the top.Ask HTM: How should one prepare for a layoff given the potential of a recession? And is it a bad idea to sell a home right now!?We don't love that a recession is more likely, but we do like that frugality is trending!Ask HTM: Does it make sense to take an early retirement offer from the federal government?

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33:36

Employer 401k Match

How To Money ·

2025/04/13

Prioritizing cultural events in your budget can help alleviate depression. And they don't always have to cost big bucks!Ask HTM: Chelsey wants to know what to do when her employer changes their 401k match.Consumer Reports put out a list of the best new cars. We also discuss the best low-cost used cars. Opting for a used ride will massively help your transportation budget stay intact!Ask HTM: Mike wants to know if his company's long-term disability policy will give him enough coverage.

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33:41

Is Another Credit Card Worth It?

How To Money ·

2025/04/13

A new article touts 'investing' your emergency fund. But that's a terrible idea!Ask HTM: Mary from MI wants to cultivate a secondary source of income.A new list of top grocery stores was just released. Trader Joes took the top spot!Ask HTM: Megan wants to know if the Costco credit card is worth getting.

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33:06

Tax Season

How To Money ·

2025/04/06

Don't forget to file your taxes! Oh, and do smart stuff to make money progress with your tax refund too.Ask HTM: Cheyenne in TN just got married and has some questions about combining finances.What will the impacts of 'liberation day' be? It's not looking pretty for the American economy and for consumer prices. Ask HTM: Miranda wants to know which retirement account to prioritize.

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32:32

Cells Are Getting Too Expensive

How To Money ·

2025/04/06

Buying refurb can make sense - if you do it right!Ask HTM: Nate wants to make sure his parents are in a good financial position and specifically wants to know about long-term care. Robinhood is about to start offering advice for a fee. But is it worth the cost? Also, BNPL transactions will start being factored into your credit score.Ask HTM: Listener Matthew wants to know how to budget for hobbies.

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