How To Money

How To Money

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, and the world of personal finance has become increasingly complex. It’s Time to Make a Change -- Altering the way you handle your personal finances is a major part of the solution. But where do you start? Who can you trust? And how much will that advice cost you? How To Money is a podcast & website providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, & crucial money tricks that will provide continuous help along your journey. We believe that access to free, unbiased, and jargon-free personal finance guidance is more necessary than ever before.

Episodes

May 11, 2025 33 mins
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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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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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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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 ...
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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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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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April 20, 2025 33 mins
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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April 20, 2025 32 mins
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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April 13, 2025 33 mins
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...
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April 13, 2025 33 mins
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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April 6, 2025 33 mins
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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April 6, 2025 32 mins
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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Is a monthly car wash membership frugal or cheap during pollen season? Also, will abolishing the Education Department have negative downstream effects on your finances? 


Ask HTM: Eric from OH wants to be well prepared for his home purchase. How much does he need to save when he has a lot of renovations planned.


Frontier did a clapback at Southwest, instituting free checked bags for its customers. Also, Grubhub BNPL has Matt and Joel ...
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March 30, 2025 33 mins
The world happiness report just came out. 


Ask HTM: Zane wants to know if cashing out his pension makes sense. Also, should a pension be factored into net worth calculations? 


Insurance costs are on the rise. But bigger price hikes could be on the horizon for Tesla owners because of recent acts of vandalism.


Ask HTM: Jose wants to know if he should pay off his mortgage or not.
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March 23, 2025 32 mins
Housing prices are still high. That's making adjustable rate mortgages more enticing. Plus, the government is talking about making federal land open to create more housing supply.


Ask HTM: Christa is investing like gangbuters. But her savings are paltry!


The stock market has experienced greater levels of volatility recently. That's causing folks to tinker with their portfolios more! Be careful, that can come back to bite you.


Ask HTM:...
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March 23, 2025 33 mins
Expensive clubs in fancy cities are en vogue right now. But is that really necessary!?


Ask HTM: Josh has an exciting investment opportunity he's keen on - buying land. There are some real pros and cons to consider first!


College degrees don't make quite as much financial sense these days. BUT, some universities are making a higher education tuition free for many families. 


Jamie wants to put money in a 529 plan. But she lives in Missi...
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March 16, 2025 33 mins
Make sure to check prices when using Uber and Lyft. The price discrepancy can be significant! Also, tariff policy is driving tons of market uncertainty and volatility. 


Ask HTM: Nancy wants to know what to do after being laid off by DOGE cuts.


Southwest is going to start charging for checked bags. Say it ain't so!


Ask HTM: Chris wants to know if she should stick with being a landlord or not.


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March 16, 2025 33 mins
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. 


Mark as Played
March 9, 2025 33 mins
Hour 1: 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 compan...
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March 9, 2025 33 mins
Hour 2: Doom spending is en vogue as consumers increase spending based on worries about the future of the US economy.

Ask HTM: Greg wants to know if the taxable brokerage account is a worthwhile investment vehicle for his retirement goals.

We're getting an 'affordability czar'! But will it make a difference in prices for consumers? Ultimately, we all need to be our own affordability czars.

Ask HTM: A listener wants the best money-savi...
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