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

September 14, 2025 31 mins
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 ...
Mark as Played
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 val...
Mark as Played
September 7, 2025 33 mins
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.
Mark as Played
September 7, 2025 33 mins
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? 
Mark as Played
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 ...
Mark as Played
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. 
Mark as Played
August 24, 2025 32 mins
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 ...
Mark as Played
August 24, 2025 33 mins
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.
Mark as Played
August 17, 2025 32 mins
Joel's battle with Peloton's silly fees. Also, the housing market has slowed dramatically. Where do things go from here? 


Ask HTM: A parent wants to know if they should be investing in their kids 529 plan...or if it's overrated.


In a policy reversal, medical debt is going to start impacting credit reports again soon.


Ask HTM: Listener wants to know if he should pay off his credit card debt with a HELOC.


Mark as Played
Hertz is using AI to assess damage to its cars. And customers aren't happy about it. HTM tells you how to protect yourself! 


Ask HTM: Quay wants to know how to handle an inheritance wisely.


Hybrid work is no longer the norm. And more folks are finding themselves working at all hours of the day and night. That's not good!


Ask HTM: Carm wants to know why his credit union is offering him free life insurance. What's the catch!?


Mark as Played
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.
Mark as Played
July 13, 2025 33 mins
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! 
Mark as Played
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? 


Mark as Played
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.


Mark as Played
The job market is more tumultuous right now, especially for college graduates.


Ask HTM: Wayne wants to know if he should lend his stocks in order to make more money. 


More workers are reducing contributions to their workplace retirement accounts because they're worried about the economy. This might be good, but only if you're saving the money you aren't investing!



Ask HTM: Collin wants to know about buying life insurance, when to buy ...
Mark as Played
Mocktails are ridiculously expensive these days! Also, Gen Z is reluctant to open a bar tab - that could be sneaky smart.


Ask HTM: Caden wants to know if he should get another credit card.


We're buying everything on Amazon, including clothing. Amazon makes shopping easy, but that frictionless experience could coax you into buying too much stuff!


Ask HTM: A listener wants to know if she should repair or replace her old car that's havin...
Mark as Played
June 15, 2025 33 mins
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? 


Mark as Played
June 15, 2025 32 mins
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.


Mark as Played
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 acc...
Mark as Played
June 1, 2025 33 mins
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 dr...
Mark as Played

Popular Podcasts

    If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.

    Dateline NBC

    Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com

    The Breakfast Club

    The World's Most Dangerous Morning Show, The Breakfast Club, With DJ Envy, Jess Hilarious, And Charlamagne Tha God!

    My Favorite Murder with Karen Kilgariff and Georgia Hardstark

    My Favorite Murder is a true crime comedy podcast hosted by Karen Kilgariff and Georgia Hardstark. Each week, Karen and Georgia share compelling true crimes and hometown stories from friends and listeners. Since MFM launched in January of 2016, Karen and Georgia have shared their lifelong interest in true crime and have covered stories of infamous serial killers like the Night Stalker, mysterious cold cases, captivating cults, incredible survivor stories and important events from history like the Tulsa race massacre of 1921. My Favorite Murder is part of the Exactly Right podcast network that provides a platform for bold, creative voices to bring to life provocative, entertaining and relatable stories for audiences everywhere. The Exactly Right roster of podcasts covers a variety of topics including historic true crime, comedic interviews and news, science, pop culture and more. Podcasts on the network include Buried Bones with Kate Winkler Dawson and Paul Holes, That's Messed Up: An SVU Podcast, This Podcast Will Kill You, Bananas and more.

    The Joe Rogan Experience

    The official podcast of comedian Joe Rogan.

Advertise With Us
Music, radio and podcasts, all free. Listen online or download the iHeart App.

Connect

© 2025 iHeartMedia, Inc.