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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

32:08

Wage Garnishments, World Cup Tickets, and Money...

How To Money ·

2026/01/11

Many student loan borrowers are going to be in for a rude awakening as wage garnishments are set to start this month for borrowers who are in default. Ask HTM: Katie (WI) bought a camper with her emergency fund. Does tapping her HELOC to replenish the e-fund make sense? Tickets to the World Cup ain't cheap. Matt and Joel talk about how to think about buying tickets to expensive sporting events. Ask HTM: PJ wants to know if he should ask his gym to charge him more!See omnystudio.com/listener for

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32:08

The Housing Squeeze, Overdraft Traps, and...

How To Money ·

2026/01/11

Many young folks are becoming nihilistic when they think home ownership is no longer a possibility for them. Ask HTM: Andrew wants to know how to break his lease because he's got a baby on the way! Overdraft fees are, once again, on the rise. We talk about how to avoid them altogether. Ask HTM: Erin (MD) wants to know the best way to save and invest for the next generation.See omnystudio.com/listener for privacy information.

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32:50

Investments and Money Efficiency

How To Money ·

2025/12/28

Hour 1: HSAs access is growing. Also, dollar stores are in trouble for regularly overcharging customers.Ask HTM: Paul wants to know if he should pay off his mortgage or invest instead.Target date funds are getting more complex and less appealing.Ask HTM: Mary wants to know about more efficient ways to give to her church.See omnystudio.com/listener for privacy information.

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33:42

"Gamblification" Is Getting Worse

How To Money ·

2025/12/28

Hour 2: Many real estate investors are finding themselves in a tight spot right now as market conditions soften.Ask HTM: Rajet might need to move backto India to take care of his parents. How should he prepare financially?The gamblification of America is gettingworse, including supposed '100% cash back credit cards.' Matt and Joel issue a warning.Ask HTM: Ethan wants to know if he should opt for a Roth or traditional account.See omnystudio.com/listener for privacy information.

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33:24

What did the Black Friday/Cyber Monday trends look...

How To Money ·

2025/12/07

Ask HTM: Max wants to know how much of a down payment to put down when buying a home.Trump accounts are here! Matt and Joel parse the details about how to get the free $1k and whether these accounts make sense for other families.Ask HTM: Question about antics he experienced when buying a car.See omnystudio.com/listener for privacy information.

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33:04

Are some homeowners 'trapped' in their homes!? A...

How To Money ·

2025/12/07

Ask HTM: Casey wants to prepare for his family now that he has a child with a disability.What is the poverty line in America? It's certainly not $140k the way some folks might make you think!Ask HTM: A HTM listener wants to know if annuities are a good investmentproduct or not.See omnystudio.com/listener for privacy information.

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33:08

The Challenges of High-End Credit Cards

How To Money ·

2025/11/23

It's getting harder to take advantage of high-end credit cards. Know the hurdles to earning rewards before you sign up for a card with an exorbitant annual fee!Ask HTM: Tim wants to know about the ethical nature of filing a claim for a new roof when it's not truly damaged.Tariff rollbacks on popular grocery store items are quietly happening. It's a tacit admission that tariffs create higher prices for consumers.Ask HTM: Vicki wants to know if she should turn more of her investment dollars into Roth

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33:19

Sock for Your iPhone?!

How To Money ·

2025/11/23

Apple has launched a new 'sock' to store your phone. It costs $230! Joel & Matt talk about ridiculous overpriced items.Ask HTM: Steve is worried about AI's impact on his small business. Should he change his investments?Electric vehicles are losing their luster. And prices remain high on EVs. Run the numbers for how you drive before you opt for an EV over an ICE!Ask HTM: Jordan wants to know about switching banks and whether it's worth it or not.See omnystudio.com/listener for privacy

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33:29

Lunch Is Expensive!

How To Money ·

2025/11/09

How To Money Hour 2 (11/09) - Eating out for lunch is expensive! Eat leftovers instead, folks.Ask HTM: A Facebook poster wants to know if paying off his mortgage will harm his credit score.Ads are everywhere these days! They're getting incredibly annoying. Matt has a tip for avoiding ads on social media.Kelsey wants to know if she should stop investing for a bit in order to pay off debt.See omnystudio.com/listener for privacy information.

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33:15

Cars Aren't Cheap Anymore

How To Money ·

2025/11/09

How To Money Hour 1 (11/09) - Cars aren't cheap anymore, far from it, but Americans are making them cost quite a bit more because of their idiotic financing moves. A HTM listener has a question about open enrollment and how to choose his healthcare plan wisely. Also, what's going on with the job market right now!? Is AI really crushing starter jobs?HTM listener Wayne wants to know if we would change our stance on BNPL if they offered discounts.See omnystudio.com/listener for privacy information.

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32:38

The State of the Craft Beer Industry & More!

How To Money ·

2025/10/26

Joel and Matt discuss the state of the craft beer industry. And offer a little economic analysis for why craft breweries aren't thriving in 2025.HTM listener Morgan contributed too much to her 401k. It's a good problem to have, but it's still a bit of a problem.Plus, Credit card churning is popular with a certain segment of personal finance enthusiasts. It can be rewarding, but it can also trip you up!Also, HTM listener David wants to know how far in advance he should be saving for a new car

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31:56

Joel Ran His First Marathon!

How To Money ·

2025/10/26

Joel just ran his first marathon, but it's amazing how much money people are spending on what has been such a simple hobby! HTM listener Katie has a question about how to calculate her savings rate.Plus, the more money you have, the harder it gets to manage.Also, a HTM listener wants to use a recent settlement to boost his retirement savings.

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31:46

Debt For Devices?

How To Money ·

2025/09/14

Thinner iPhones are coming! But they're expensive. And way too many Americans seem to be fine with taking on debt to buy a new tech device. But that's a terrible idea! Ask HTM: Clint wants to know about protein-loading on the cheap.Health insurance costs are on the rise. Matt and Joel offer tips to help folks cope with price hikes and benefit cuts. Ask HTM: Chris wants to know if he should get a VA loan or a conventional loan with a bigger down payment.

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33:42

No More Wasting Money

How To Money ·

2025/09/14

Sports gambling is becoming a pervasive problem. Many young men are finding themselves addicted and in serious financial trouble.Ask HTM: Anna wants to get her 529 contributions right, ensuring she gets the max state tax deduction she's eligible for. Social Security is the most valuable asset that most Americans have. That's not good! We want HTM listeners to invest effectively enough that their retirement accounts are far more valuable.Ask HTM: Insurance rates have risen quite a bit. What can be

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33:25

Is It Worth It?

How To Money ·

2025/09/07

Does hard work still pay off in the good ol' USA? Most Americans don't think so! Ask HTM: John wants to know if he should keep his condo as an investment or sell it instead.Stocks are at-all time highs...and record-high valuations. Should that impact how you invest!?Ask HTM: Jennifer wants to know about ABLE accounts and how to use one effectively.

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33:01

Should You Go Then?

How To Money ·

2025/09/07

Customer loyalty sounds like a good thing...but it could cost you.Ask HTM: Mike wants to pay off $50k of credit card debt.You might want to start setting airfare alerts for holiday travel.Ask HTM: Nicole wants to know about investing in real estate online. Is it a good idea?

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32:24

The Certificate Trap: Why More School Doesn’t Always...

How To Money ·

2025/08/31

Is more education always a good thing, leading to better pay? Nope. New information reveals that many job skills certificates are a total waste of your time and money.Ask HTM: Bryant is 25 and wants to know how he and his wife should be investing.More Americans are opting to use debit cards instead of credit cards right now. But the major problem for budgets is that spending isn't going down!Ask HTM: Nathan is worried about paying back a 401k loan as he leaves a job.

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33:26

Why Pouring Money Into Your Kids’ Accounts May Backfire

How To Money ·

2025/08/31

Some parents are investing lots of money on behalf of their young kids. Surprisingly, we don't love hearing that!Ask HTM: Stephen wants to know if premiums go up on homeowners insurance when you file a claim.Politics is driving economic beliefs and investment strategy for far too many Americans. It's ok to care about politics, but don't let it sway how much or where you decide to invest!Ask HTM: Angelas has some feedback for us.

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32:07

Winning the Customer Service Battle

How To Money ·

2025/08/24

School is back! Matt and Joel talk about how to save money on school supplies and lunches. Ask HTM: Wendy wants to know if she needs a financial advisor to help her out.Is work/life balance really possible if you're pursuing financial independence? Some might say it's not. Some sacrifices are required, but we think you can still strike a solid balance.Ask HTM: Joel talks about his battle for customer service with Woot. He came out on top! Matt and Joel also discuss general tips for deal hunting.

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33:07

Will Social Security Still Be Around?

How To Money ·

2025/08/24

Alternative investment companies tout that you can "invest like the 1%!" Sadly, many are losing money hand over fist.Ask HTM: Question about borrowing money for a car and how that impacts a credit score.Older Americans are renting in greater numbers. That's not necessarily a bad thing! Ask HTM: Katie wants to know if Social Security will be there for her when she reaches retirement age.

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251 results

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