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
May 13, 2026 • 1h 2min
Achieving Financial Independence as a Late Starter w/ Bill Yount #1139
Bill Yount, an emergency physician turned FI podcaster helping late starters catch up. He shares his wake-up at 50, burnout and debt turnaround. Topics include geo-arbitrage and major downsizing, debunking the rich-doctor myth, debt payoff vs investing, phased retirement, and balancing frugality with living a full life.
11 snips
May 11, 2026 • 56min
Ask HTM - Budgeting for Credit Card Rewards, HELOC for Home Improvements, & Coast FI with Bonds #1138
Questions cover shifting to bonds as you near coast FI and how to phase bond exposure over time. They debate whether tracking large credit card rewards is worth the effort. They explain when a trust becomes useful for young families. They suggest affordable places to buy prescription sunglasses. They compare HELOC features and when borrowing for home projects makes sense.
12 snips
May 8, 2026 • 42min
Friday Flight – Recycled Rags, Slow Shipping, & Sayonara Spirit (or not...) #1137
A rapid roundup of this week’s money headlines and quirky financial news. Topics include rising negative car equity and the cost tradeoffs of upgrading vehicles. They dig into thrift flipping and the reselling boom. There is a discussion on slower shipping to save cash and the economics behind longevity spending. Plus coverage of Spirit Airlines’ collapse and a crowd effort to revive it.
15 snips
May 6, 2026 • 56min
Building Wealth When Markets Get Messy w/ Ben Carlson #1136
Ben Carlson, Director of Institutional Asset Management and author of Risk and Reward, brings common sense to investing. He tackles why headlines warp our sense of risk, how your time horizon should shape portfolio choices, the case for international diversification, stress-testing strategies, cash as dry powder, and why timing markets and overtrading often backfire.
10 snips
May 4, 2026 • 57min
Ask HTM: Conquering Debt-Fuled Lifestyle Inflation, Investing a Used Car Payment, & Making the Most of a VA Loan #1135
Rapid-fire answers on tackling debt-driven lifestyle inflation and whether to sell assets to cover retirement loans. A practical debate over paying cash for a car versus financing and investing the difference. Clear breakdown of VA loan advantages, assumability, and house-hacking potential. Guidance on moving old 403(b) money and picking low-fee 529 plans and fund options.
11 snips
May 1, 2026 • 36min
Friday Flight - College Cost Cutting, Predictive Credit Scores, & Work Perk Pruning #1134
Shorttakes on faster bachelor’s degrees and the tradeoffs of degree hacking. When refinancing private student loans might make sense. How insurers and predictive credit scores are changing with new data. FTC alerts about APR-reduction and phishing scams. Employers quietly cutting perks and what that could signal. Tips on avoiding high event prices and grocery waste reduction tech.
28 snips
Apr 29, 2026 • 1h 4min
Flights Are Getting Pricier! (*here’s how to pay less*) w/ Kyle Potter #1133
Kyle Potter, Executive Editor at Thrifty Traveler who has visited 30+ countries, shares how to beat rising airfares. He explains what’s pushing ticket prices up and why flexibility—dates, airports, and shoulder seasons—matters. Learn quick tactics like booking fast, using Google Flights, packing light to avoid fees, and smart uses of cards and miles for cheaper travel.
12 snips
Apr 27, 2026 • 56min
Ask HTM - Running the Financial Gamut From Squirreling Away an Emergency Fund to Real Estate Investing #1132
Rapid-fire answers cover emergency fund priorities versus investing, and how pension security changes Roth IRA risk tolerance. They discuss using homes as rentals and when to recast versus refinance a mortgage. Social Security timing and whether to buy paid AD&D insurance at work also come up. Plus a quick beer tasting.
19 snips
Apr 24, 2026 • 42min
Friday Flight - Allbirds AI Audacity, 529 Flexibility, & Horrific HELOCs #1131
Quick takes on Allbirds' AI pivot and the market hype that fuels risky bets. A look at odd financial products promising outsized returns and why they can be dangerous. Debate over 529 plan flexibility and new rollover rules. Warnings about nonbank HELOCs with hidden fees. Notes on rising property taxes, Gen Z credit trends, BNPL at festivals, and the growing annoyance economy.
9 snips
Apr 22, 2026 • 1h 1min
Real Estate's Ticking Time Bomb w/ Bigger Pockets' Dave Meyer #1130
Dave Meyer, BiggerPockets Chief Investment Officer and real estate podcaster, brings data-driven clarity to today’s housing landscape. He breaks down the “Great Stall,” affordability shifts, and why underwriting should not assume price gains. Conversations cover ARMs vs fixed rates, finding 10% discounts, house hacking, and where supply and demographics may push the market next.
