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
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...
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.
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.
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 back to India to take care of his parents. How should he prepare financially?
The gamblification of America is getting worse, 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 tr...
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.
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 investment product or not.
See omnystudio.com/listener for privacy information.
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. ...
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 switchi...
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...
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...
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, ...
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.
See omnystudio.com/listener for privacy information.
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 ...
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 a...
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.
See omnystudio.com/listener for privacy infor...
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?
See omnystudio.com/listener for privacy information.
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 ...
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: ...
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 cust...
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.
See om...
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