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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 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

52:52

Ask HTM - Getting Political, Paying for Hot Stock...

How to Money ·

2026/10/05

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 for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Stock tips: why do so many people pay for stock tip subscriptions?! 2 - Toyota time: is it worth dropping a lot of money on our old Corolla? 3 - Income bump: how can I offset my

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48:21

Friday Flight - Muse is Meh, Homebuying with Homies,...

How to Money ·

2026/10/02

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 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: Happy Birthday Pete! Will Joel regret his Midea purchase? Whether iced coffee is off-limits in an interview Love/Hate

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46:09

You Saved It. Now Give Yourself Permission to Spend...

How to Money ·

2026/09/30

61% of Americans say they’re more afraid of running out of money than they are of dying… the idea of spending our later years stressed about money is so terrifying that some people would rather face the great unknown than deal with their own financial plan. And yet, far too many people are taking the “I’ll figure it out someday” approach when it comes to retirement. They’re hoping things work out instead of building a plan that gives them confidence and freedom

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58:51

Ask HTM - Early Retirement with a 457b, Surrendering...

How to Money ·

2026/09/28

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 for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! But first… will or won’t Joel run a 50k?! But then we get to: 1 - Cash surrender: or keep a life insurance policy around and how will it impact my student loan

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46:42

Friday Flight - Illiterate Americans, Shrinking...

How to Money ·

2026/09/25

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 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: Holiday spending Illiterate Americans Worse on purpose and planned obsolescence Shrinking shoulder season Healthcare

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52:20

Fighting Back Against a Broken Healthcare System w/...

How to Money ·

2026/09/23

Does anyone look at the U.S. healthcare system and think, "Yep, everything's working great"? Probably not. It's not because we don't have talented doctors or dedicated healthcare workers. It's because a growing web of corporate interests, distorted incentives, and financial middlemen has turned healthcare into one of the most expensive and frustrating systems in the developed world. In his new book, The Healthcare Heist, Dr. Jordan Grumet –who is also a personal finance podcaster, writer,

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64:09

Ask HTM - New(ish) Phones, New(ish) Cars, and New Big...

How to Money ·

2026/09/21

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 for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! A little Southwest companion pass and airline talk before we dive in: 1 - Big goals: what should I focus on next after I’ve paid off my house?! 2 - Parent help: should I get a

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48:26

Friday Flight - Guilt-Ridden Spending, Sneaking...

How to Money ·

2026/09/18

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 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: TOP TIER Plus (evidently it’s better!) Spending all the discretionary income Guilt-ridden spending (for the dopamine

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49:53

The Money Convos You Need to Have With Your Parents...

How to Money ·

2026/09/16

Financial caregiving is coming for you, whether you like it or not. Rich or poor. Married or single. Famous or anonymous. At some point, someone we love is likely to need us to step in and help care for them. And taking them to a doctor’s appointment is just the tip of the iceberg. Because when someone you love starts to need care, their financial life can very quickly become your financial problem, too. Bills. Bank accounts. Insurance. Investments. Long-term care. Even the question of who

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54:29

Ask HTM - Affordable Bathroom Reno, Forging Family $...

How to Money ·

2026/09/14

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 for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Forging family values: what are some exercises my wife and I can practice to get on the same financial page? (Check out the HTM Money Mission Statement) 2 - Trump accounts: is

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48:45

Friday Flight - 529 Hacking, Hollowed-Out Home Ec, &...

How to Money ·

2026/09/11

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 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: Foldable iPhone Duo $5k dividend checks 529 hacking Hollowed-out home ec Post-penny economy Gen Zers carrying balances Are

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60:03

The Financial Case for Moving Abroad w/ Richelle...

How to Money ·

2026/09/09

Spain. Vietnam. Tanzania. Georgia… the one in Europe of course. Ever catch yourself daydreaming about building a life somewhere far beyond the borders of the US? There’s a lot to love about living here. But for many, the pull to see more of the world never really goes away. What’s fascinating is that moving abroad isn’t just a lifestyle decision, it can be a financial one too. Different countries come with different costs, and entirely different ways of thinking about work,

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55:49

Ask HTM - Buying With Other People's Money, Vanguard...

How to Money ·

2026/09/07

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 for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Other people's money: Is financing more of our new home the best way to get the lowest rate? 2 - $300,000 windfall: Help me to efficiently drain an inherited 401k and invest for

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48:22

Friday Flight - Car Insurance Competition, Early...

How to Money ·

2026/09/04

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 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: AI toothbrush Car insurance competition (and divident payments!) A time to invest “Early” retirement increasing

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56:16

Build a Retirement You'll Actually Enjoy w/ Wes Moss...

How to Money ·

2026/09/02

Anyone else a little tired of hearing about ‘retirement?’ It can feel like this vague, far-off finish line that we're told to obsess over for decades. But here's the thing: when you look at the research, a surprising number of people who are retired—or about to retire—are anxious. They've got regrets. Some of those regrets are financial. But many have nothing to do with money at all. So if we're going to spend years working toward retirement, we should probably make sure

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53:05

Ask HTM - 3% Mortgage Paydowns, Brokerage Account Tax...

How to Money ·

2026/08/31

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 for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Extra cash: Should we use our savings to pay down a mortgage that’s at 2.8% for 30 years? 2 - Brokerage taxes: How do I prepare for paying taxes on dividends and could you

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50:31

Friday Flight - America’s Debt Debacle, Perpetual...

How to Money ·

2026/08/28

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 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: Matt’s big reveal Slick deals lingerie America’s debt debacle Job hopping superpower Quick responses

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59:10

How Americans Got Rich: The History of Wealth in...

How to Money ·

2026/08/26

“There’s nothing new under the sun.” That comes from Ecclesiastes. But it’s a piece of wisdom we tend to neglect. It's often said that those who forget history are doomed to repeat it. But what if a poor understanding of history does something else too: leaving us less grounded and giving us unrealistic expectations about how life used to be? It’s time for a history lesson today, but not just for the sake of memorizing names, dates, and events. Drawing on countless

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57:46

Ask HTM - Overrated HSA, 13% Dividend Yields, &...

How to Money ·

2026/08/24

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 for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - HSA: I don’t see how investing money in a Health Savings Account is going to move the needle for me? 2 - Dividend stocks: I keep buying individual stocks, but maybe

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47:37

Friday Flight - Friendly Financial Advice, Student...

How to Money ·

2026/08/21

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 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: Friends and money in The Guardian Ubiquitious sports-betting Friendly financial advice Whole Foods on the cheap Suveillance

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