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
16 snips
Feb 16, 2026 • 53min
Ask HTM - Student Loans in Administrative Forbearance, Intentionally Entering into Collections, and Financial Infidelity #1102
They tackle whether waiting for medical bills to hit collections can unlock bigger discounts. They discuss what to do with student loans during administrative forbearance. They explain HSA rules and how to organize receipts for future reimbursements. They cover money priorities for new parents and steps to handle secret debt and prevent hidden spending.
35 snips
Feb 13, 2026 • 42min
Friday Flight - Stealthy Skimpflation, Janky Job Markets, & Day-Trading Doris #1101
A roundup of this week’s financial headlines, from hidden service cuts and shrinking grocery prices to the rise of skimpflation. They compare where to shop for big savings and warn about delivery app costs. The conversation digs into weird job-market trends, ghost job listings, and networking strategies. Retirement topics include trading habits, volunteering benefits, and unretiring for part-time work.
28 snips
Feb 11, 2026 • 54min
Talk About Money Without Fighting w/ Dr. Sonya Lutter #1100
Dr. Sonya Lutter, a marriage therapist and financial planner who leads Texas Tech’s Financial Health & Wellness program, joins to unpack money and relationships. She explains financial therapy, how stress distorts money decisions, signs to watch in partners, scheduling calm money talks, spender versus saver dynamics, transparency and joint accounts, and the damage of financial infidelity.
17 snips
Feb 9, 2026 • 52min
Ask HTM – ADU vs iBonds, Timing a Silver Sale, and HELOC Unlocking Landlord Status #1099
They tackle whether cashing iBonds makes sense to fund an ADU and how redemptions affect returns. They explain I‑bond timing rules and the tradeoffs of early withdrawal. They discuss using a HELOC for a down payment and lender risks. They debate if now is the right time to sell long‑held silver and cover basic trust and Roth conversion timing questions.
28 snips
Feb 6, 2026 • 42min
Friday Flight - ‘The Lipstick Effect’, Cheap Chinese EVs, & DIY Solar #1098
A rapid tour of money news: the lipstick effect and why small splurges persist. Concise takes on cheap Chinese EVs, Tesla’s model shifts, and in-car ads. Tips on thrift shopping, Vanguard fee cuts, and rising DIY solar interest. Headlines on meme coins, precious-metal volatility, insurance for self-driving features, and state-level wage versus inflation gaps.
28 snips
Feb 4, 2026 • 1h
The Case for Frugal Hedonism w/ Annie Raser-Rowland #1097
Annie Raser-Rowland, Australian horticulturalist and author of The Art of Frugal Hedonism, shares how to find joy with less. She talks about choosing experiences over stuff. She explains living well on a fraction of typical spending. She explores community, novelty-seeking, practical frugal tricks, and ethical, low-consumption pleasures.
20 snips
Feb 2, 2026 • 52min
Ask HTM – Money Gears Mixup, Stewarding an Inheritance, & Turning to Gold! #1096
Quick-fire answers to listener money puzzles, including retirement match timing, handling an inheritance, and choosing Roth versus traditional retirement contributions. They debate the idea of fleeing to gold and explain where to get your free credit report. Plus a light beer-tasting sign-off.
34 snips
Jan 30, 2026 • 43min
Friday Flight - Richer Refunds, Best Costco Buys, & $3 Dinners (don’t have to be this sad!) #1095
Quick takes on richer tax refunds and why tax-advance loans can be dangerous. A tour of best Costco buys that actually make the membership pay. Practical ideas for $3 dinners that do not have to be sad. Tipping norms and NYC’s new tip prompts spark a debate about fatigue and personal rules. Tips to save on rideshares by checking both apps each trip.
36 snips
Jan 28, 2026 • 43min
Student Loan Chaos Explained w/ Stanley Tate #1094
Stanley Tate, an attorney who helps borrowers navigate default, forgiveness, settlements, and bankruptcy. He breaks down the recent student loan whiplash and what repayment and forgiveness paths remain. He explains wage garnishment timing, DIY versus hiring counsel for bankruptcy, income-driven plan trade-offs, the rise of private loans, and when to prioritize payoff versus forgiveness.
22 snips
Jan 26, 2026 • 55min
Ask HTM – Assets to Boost My Credit Score, Lifestyle Geographic Arbitrage, and Car Loans to get Wealthier #1093
Quick answers on what actually moves your credit score, focusing on liabilities, utilization, and payment history. A deep-dive on whether moving to Italy is worth higher taxes and how to get cross-border tax help. Guidance on balancing cash versus investments when saving for a first home. A spirited debate about paying cash for cars versus borrowing and investing the difference.
