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PODCAST

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 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

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All Episodes

51:16

Ask HTM - Jumping Back Into the Workforce, HELOC Cash...

How to Money ·

2025/08/11

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’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 - How do I calculate whether it’s worth it to jump back into the work force? 2 - Should I take

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38:14

Friday Flight - Bad RAPs, Price Match Murder, &...

How to Money ·

2025/08/08

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 100 year old’s purchasing power, passage of the One Big Beautiful Bill Act, boosting SALT deductions, waning EV tax

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35:27

WE BACK - Frugal Fun, Travel Tips, & Sabbatical...

How to Money ·

2025/08/06

Finally… a freshie! We’re done with bestie episodes for the summer and are excited to sit down and fill everyone in on what we’ve been up to for the past six weeks. We recount how lucky and blessed we are to be able to take a break from our 9-5, share some of our favorite ways we saved money while traveling (somehow in our first episode back we managed to discuss Aldi and Costco for those playing HTM bingo at home), and we only begin to touch on some of the lessons and takeaways

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47:22

Jesus Christ Super-Saver: Ancient Wisdom & Your Money...

How to Money ·

2025/08/04

We’re glad Ikea exists. The ability for a vast majority of the population to get their hands on some incredibly functional, well designed, and affordable furniture is a good thing. But, you’re also unlikely to pass Ikea furniture down to your kids or for that matter, use it for more than a handful of years. Compare that to a campaign dresser from the 1800s! It’s true that they don’t make them like they used to. The same is true when it comes to modern financial advice

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48:18

How Complicated Should Investing Be? (Bestie Ep) #1017

How to Money ·

2025/08/01

Have you ever renovated a home? If so, then you remember all of the decisions that you had to make that initially were a lot of fun. Paint colors, light fixtures, tile, even the kind of toilet you wanted… but eventually it gets old and you just want it done. If you can’t relate, even picking up a loaf of bread at the grocery store can be overwhelming- “Should I get honey wheat, 100% whole wheat, 13 grain, the stuff with flax?!” While it can be nice to have options,

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56:15

Small But Mighty Real Estate Investing w/ Chad Carson...

How to Money ·

2025/07/30

We’re stoked to be talking with our friend Chad Carson, aka Coach Carson, which is also where you can find him online: CoachCarson.com. We’ve known Chad for years now but just because this feels like a more casual conversation to us, that doesn’t mean that he’s not going to bring the heat! We tout the benefits of small-time real estate investing, but Chad has made it his mission, and it’s the focus of his new book: Small and Mighty Real Estate Investor. During our

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56:18

Is Early Retirement A Smart Goal? (Bestie Ep) #1015

How to Money ·

2025/07/28

Cinderella is such an absurd story! Seriously, when you stop and think- it’s pretty messed up: a prince dances with a girl he’s never met before for one night, and then he sends his goons around town to find her so they can get married. There’s a reason you go on dates for at least a few weeks before proposing. You’ve gotta kick the tires and perform some due diligence! Similarly, you might be completely obsessed with the idea of early retirement upon first hearing about it

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53:29

Overcoming Our Idiot Brains (Bestie Ep) #1014

How to Money ·

2025/07/25

Have you seen the meme of the guy on a bike who puts a stick in his spokes and then crashes? There are literally hundreds of different versions based on this goofy comic. For instance the first frame on one says “15 holes of good golf,” then followed by “my brain realizing I’m playing well,” as he puts the stick in the front wheel before writhing in pain on the ground. The truth is, it’s not all that hard for us to become our own worst enemy. And that reality is

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56:40

Food Stamps to Financial Freedom w/ Yanely Espinal...

How to Money ·

2025/07/23

We’re joined today by Yanely Espinal, who is also known as MissBeHelpful in the online world of personal finance. Yanely was born in Brooklyn, she is a first generation daughter of immigrants, and even though she went to Brown University it didn’t take long for her to rack up over $20,000 in credit card debt. Academic performance doesn’t automatically mean that you know how to handle your money, and Yanely knew that she needed to make some changes! Before long she was sharing her

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54:06

Biking is a Money & Life Hack (Bestie Ep) #1012

How to Money ·

2025/07/21

“Spend less than you make.” This is a maxim that is not only true but, if followed, will allow you to accomplish so many other goals that you might have in life. It’s a foundational concept. Similarly, we also think the same can be said for biking. Get this one thing right in your life- pedal your way to wherever you need to go, and so many other aspects of life will automatically fall into place. And we’ve actually been able to put our commitment to biking to the test since

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54:43

The Diminishing Returns of Frugality (Bestie Ep) #1011

How to Money ·

2025/07/18

Have you ever eaten so much dessert that you thought you might puke? Or maybe you find yourself at the end of a shopping spree with too many clothes in your closet than you could ever possibly wear? In both cases we’re talking about the diminishing marginal utility that we receive from each additional item we consume- the first cup of water after a run is wonderful, but the fifteenth... less so! Diminishing returns is a common way to describe this phenomenon, and we want you to know that this

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49:10

Life After Financial Independence w/ The Mad Fientist...

How to Money ·

2025/07/16

We had the pleasure of sitting down with our friend Brandon Ganch, who is The Mad Fientist, while we were recently traveling in Scotland! Brandon started his career as a computer programmer but then quickly added blogger, podcaster, musician, and producer to his expanding list of pursuits and interests. This is a more casual conversation but listen as you’ll learn a lot about Brandon- life events that may have shaped his view of money, how he discovered and then became a leading voice in the

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53:05

The Dirty Truth About Home Ownership (Bestie Ep) #1009

How to Money ·

2025/07/14

You’ve gotta wait 30 minutes to get back in the pool if you’ve eaten! Don’t pee in the pool- it’ll turn red! There are a lot of things we learned in childhood that we’ve likely discarded as false or at least irrelevant at this point. But there are probably some things we still believe because they were ingrained in our brain at an impressionable age. Similarly, there are a lot of folks clinging to the ‘American Dream’ that they should have that house surrounded by that white picket fence, why? Well

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51:12

Financial Pessimism Will Eat You Alive (Bestie Ep) #1008

How to Money ·

2025/07/11

Whether you saw some crazies doing it on TikTok or read about it in a fitness magazine, it seems like a lot of folks are giving ice baths a try. Evidently it’s supposed to be good for your health, but regardless, there are hordes of people who are intentionally soaking in ice cold water around the 55 degree range. Of course this goes completely counter to what ‘normal’ people subject themselves to. Most folks like their showers warm or even hot, and in the rare instance when you

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55:05

The Good Enough Job w/ Simone Stolzoff (Bestie Ep) #1007

How to Money ·

2025/07/09

“Work will always be work. Some people work doing what they love. Other people work so that they can do what they love when they’re not working. Neither is more noble.” This is a quote from Simone Stolzoff’s new book The Good Enough Job: Reclaiming Life From Work, that’s set to publish in a couple weeks. And regardless of where you fall on that spectrum, whether you live to work, or work to live, Simone makes the argument that there are too many of us who are looking to

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54:10

Money Gears: Ordering Your Money Decisions Properly...

How to Money ·

2025/07/07

Over 1,000 years ago, somehow, the Vikings were able to sail from Norway to Greenland. Without relying on any special instruments or any rudimentary technology, they were even able to reach as far as North America! Evidently they relied on the polarization of the sky, whales or birds they came into contact with, and the color of the ocean- quite remarkable. It seems unlikely that any sailors would be able to pull that off today with modern day technology. But that’s often what it feels like as

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50:15

Financial Independence Exists on a Spectrum (Bestie...

How to Money ·

2025/07/04

Are you ‘credit card FI’ or are you ‘sabbatical FI?’ But maybe we’re getting ahead of ourselves… First, does anyone else remember the home run obsession back in 1998? In an attempt to beat the single-season record, home runs became the only metric that anyone watching baseball seemed to care about. But what’s interesting is that most MLB games aren’t won by someone sending a 450 foot bomb to center field. It’s an all-or-nothing approach that

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51:58

Use It Up, Wear It Out, Make It Do, or Do Without...

How to Money ·

2025/07/02

Everybody has heard of a consumer advocate before- someone who helps to make sure that individuals are getting the best deal possible. Or to make sure that the quality of the products is up to snuff. For instance think of Consumer Reports and the countless reporting and tests they perform on the different items we use as consumers. But you likely haven’t heard of a ‘non-consumer advocate’ before and that’s who we’re talking with today; our friend Katy Wolk-Stanley! Katy’s site is

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52:22

Butchering Your Grocery Bill (Bestie Ep) #1003

How to Money ·

2025/06/30

Do you know something that we’re all currently doing? Breathing. It’s something we rarely actively think about, but it turns out that there are ways to improve our technique- by breathing through our nose instead of our mouths, or by taking deeper slower breaths. Well we’re talking about another basic subject today: buying groceries. This elementary practice seems simple on the surface, but just like breathing there are tactics that you can implement in order to save more money at the supermarket

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53:40

Essential Habits For Financial Success (Bestie Ep) #1002

How to Money ·

2025/06/27

Close your eyes and think back to high school. No matter if those were the best years of your life or if you were more of a wallflower, you were likely told that you needed to get good grades- but why? Was it because you knew that you needed a particular GPA in order to get into a specific school? Maybe, but a lot of high schoolers just know that it’s generally a good idea to get high marks because it’s going to give you more options down the road (not to mention personal development,

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267 results

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