How to Money
iHeartPodcasts
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 life.
Episodes
Mentioned books
25 snips
Mar 27, 2026 • 37min
Friday Flight - Long Airport Lines, Rent In Installments, & Plasma Payday! #1119
They cover long airport security lines and tools to skip them. The risks of rent-then-pay plans and accidental landlords getting stuck with properties. Rising personal loans and troubling credit bureau errors. Growing plasma pay centers and why people sell plasma. How healthcare costs are pushing people into side hustles.
25 snips
Mar 25, 2026 • 53min
Why Money Decisions Feel Rigged w/ John Campbell #1118
John Campbell, Harvard economics professor and author of Fixed, explains how financial systems often favor firms over ordinary people. He discusses complexity, harmful bundled products, hidden costs that hit the less savvy, and promising fixes like simpler standard products, better retirement defaults, and design-focused regulation.
14 snips
Mar 23, 2026 • 52min
Ask HTM - Mag-7-Nondiversification-Risk, Cutting Up 13 Credit Cards, & Best Tax Refund Opportunities #1117
They tackle concerns about heavy US market concentration and whether to add international exposure. A debate on whether doing brewery grunt work for beer is frugal or cheap. Practical credit card decisions about closing accounts after paying them down. Tips for affordable home internet and cell plans. A quick take on the best uses for a $2,000 tax refund.
19 snips
Mar 21, 2026 • 43min
BONUS: Stop Doing So Much w/ Justin Peters of FI Minded Podcast
Joel Larsgaard, co-host of How to Money and creator who built financial flexibility through side hustles and real estate, explains stepping back after years of doing it all. He talks about embracing boredom, using financial independence to buy time, setting digital boundaries, carving out Fridays, taking a sabbatical, and defining what ‘enough’ looks like.
27 snips
Mar 20, 2026 • 38min
Friday Flight - Warflation, Attractive ARMs, & Drone Home Assessments #1116
A rapid roundup of rising oil, airfare and pump prices and what that means for budgets. A look at short-term trading risks like 24/7 oil futures and minute crypto bets. Discussion of drones being used for home inspections and down payment assistance options for buyers. A primer on attractive adjustable-rate mortgages and the growing cost of youth sports.
22 snips
Mar 18, 2026 • 51min
Knowing Your Rights & Crushing Medical Bills w/ Jared Walker #1115
Jared Walker, founder of DollarFor, builds tools and fights to wipe out hospital bills people do not legally owe. He explains how charity care works and why hospitals often hide it. He covers negotiating tactics, pitfalls like CareCredit, how DollarFor’s tools automate applications, and real stories of bills being erased and lives saved.
18 snips
Mar 16, 2026 • 57min
Ask HTM – Deploying Cash to Recast or Invest, Free $ in Trump Accounts, & David Ramsey Falling Short #1114
Listeners ask whether to recast a mortgage or invest a lump sum and what factors to weigh. Newborn seed accounts and how they fit into long‑term saving priorities get a close look. Credit thin files and practical fixes for getting approved are discussed. Tips for finding reliable private‑party used cars and warnings about for‑profit debt relief round out the conversation.
20 snips
Mar 13, 2026 • 42min
Friday Flight - AI Money Impacts, Side Hustle Salad Days, & Sullen Savers #1113
Quick takes on AI reshaping mortgage underwriting, workplace productivity, and tax advice reliability. A look at costly EV repairs and whether pricey travel cards are worth it. Discussion of why starting side businesses is easier now and why over half of Gen Z are hustling. Warnings about real estate headwinds, risky alternative funds, tariff refunds, and taxable student loan forgiveness.
22 snips
Mar 11, 2026 • 57min
Are Teachers Doomed to a Broke Retirement? w/ Shaun Morgan #1112
Shaun Morgan, a full-time teacher and creator of the Teacher Money Show who advises educators on retirement and pensions. He discusses teacher pay cycles and budgeting, Public Service Loan Forgiveness and student loan strategies, pensions versus 403(b)/457 plans, stopping out-of-pocket classroom spending, and smart side hustles and career moves to boost retirement prospects.
16 snips
Mar 9, 2026 • 58min
Ask HTM - Debating a Raise vs WFH Flexibility, Investing in Nvidia, & Digital Hygiene Frugal or Cheap #1111
Listeners ask about choosing a big pay raise versus keeping full remote flexibility. A huge single-stock stake in Nvidia and strategies for rebalancing and tax-aware selling come up. They debate frugality versus cheapness, whether to let medical bills go to collections, and how to shop auto insurance through agents. Quick book picks for a 25-year-old and a beer tasting wrap things up.
