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
21 snips
Apr 1, 2026 • 52min
Capitalism for ALL: Making the System Work for Everyone w/ John Hope Bryant #1121
John Hope Bryant, founder of Operation HOPE and advocate for financial literacy and inclusive capitalism. He shares his rise from childhood homelessness to building ladders of economic mobility. Topics include rebuilding capitalism to work for all, why financial literacy matters, AI and upskilling, entrepreneurship opportunities, and policy ideas to expand access and opportunity.
18 snips
Mar 30, 2026 • 56min
Ask HTM - Marriage Goals Over Investing, SS Survivor Benefits at Age 30, & Best Cars for New Mamas #1120
Listeners ask about balancing wedding spending versus investing and whether marriage should wait for perfect finances. The show tackles Social Security survivor benefits compared to term life insurance. They explain rules around claiming a child for dependent care FSAs and filing tactics. Practical car advice for new parents and smart ways to handle a six-figure inheritance with medical uncertainty are covered.
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.
