How to Money

We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/1 - If I try to purchase a home with cash, can I expect to get a better deal? How does this work?2 - My employer is changing health coverage options, so what should I do with money that is in my HSA?3 - What are CDs and are they a good idea these days?4 - How should I go about shopping for the lowest mortgage rate?5 - Should I be contributing to my 403b at work, or should I focus on my Roth IRA instead?During this episode we enjoyed a Pseudo Sue by Toppling Goliath- thanks to Kelsey for donating this one to the show! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Friday episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to thrive. In this episode we cover a lot of interesting topics like the updated Paycheck Protection Program and what that means for small businesses, taking time off in order to avoid burnout, and the ridiculous overdraft fees banks charge. Then we also dive into thew new jobs in our country as well as what it looks like to go back to work.And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Money just feels like a topic that is off-limits when it comes to discussions you have with your friends. Is it because it’s too personal? Maybe you feel it’s none of your business? A big part of why we started How to Money is because we feel that money conversations need to happen more often. Talking about money shines a light on it and brings about awareness, which can ultimately lead to improvement as we all have room to grow. Listen as we discuss some of the major ways you’re likely missing out if you’re not talking about money. And then we wrap it up with some practical tips that can help you when it comes to striking up a money conversation with your friends and family.During this episode we enjoyed a Zoose Joose by Westbrook and Angry Chair. And as we have ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

We’ve all made some financial mistakes, but hopefully through reading, listening to podcasts, and learning from our previous mistakes, we can move forward and make smarter moves with our money. That’s what we’re covering during this interview. Our guest today is Jill Schlesinger who is an on-air CBS News Business Analyst who covers the economy as she guides people through their personal financial decisions. Jill is a Certified Financial Planner and also the author of the book "The Dumb Things Smart People do with Their Money". In this interview we spend some time talking about a lot of those dumb things, and we also dive into how Jill got her start in all things money.During this interview we enjoyed a Wedge Salad by Green Bench Brewing that we picked up on a recent ‘work’ bike ride! And as we have ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

*While we typically try and record our Friday episode just days before being published, we recorded 207 and 210 weeks ago in order for us to be able to take some time off with our families. This means the death of George Floyd and the protests around the country hadn’t occurred yet and we were not able to comment. However, we believe that Black Lives Matter and we encourage our listeners to all work toward making our world a more loving place.*Friday episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to thrive. In this episode we cover a lot of interesting topics like the uptick in scams, falling interest rates and their effect on student loans and savings rates, and pay cuts at work. Then we also talk with our friend and real estate investor Chad Carson to get his thoughts if investing in real estate is still a good idea.And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Is everything in life negotiable? It depends on who you ask. We all enjoy paying less than we have to and getting a deal, but there are certain instances where it makes more sense than others. Just because you can negotiate a bill to get a few bucks off doesn’t mean it’s a good use of your time, when there might be a different bill that you should focus on instead. There are several areas in our personal finances that we often overlook to the detriment of our bank accounts. And then one of the other problems is knowing how to go about the process of negotiating- what strategies to use and what steps to take in order to make the biggest impact. And so we’re going to address, not only how to negotiate, but also who to negotiate with, in order to make it worth our time.During this episode we enjoyed a Tampa Timeshare Grapefruit-Basil Gose by Wrecking Bar Brewpub- one of our favorite local breweries. And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/1 - How big should my emergency fund be and should I count my Roth contributions towards that cash cushion?2 - Should I open up a high interest custodial savings account or a 529 Plan for my baby with some gift money?3 - Is it OK to snag a store discount by signing up for a store credit card, even though my credit is frozen?4 - As a recent graduate, should I pay down my student loans or begin investing instead?5 - How do I go about buying a used car without a brick and mortar bank?During this episode we enjoyed an Inexplicable Unease, by Bhramari Brewing. And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Friday episodes are all about the week’s news and the effects of Covid-19 on your personal finances. There are a lot of headlines out there, but we are distilling it down to specific takeaways that will allow you to not just weather this health and financial crisis, but to thrive. In this episode we cover a lot of interesting topics like Netflix cancelling subscriptions, the high price folks pay for delivery apps, and AI and customer service. We also spend some time on the most affordable used cars today and where you can buy them, as well as whether or not the work office is dead now that so many of us are working from home.And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

There are professionals who can help us in almost every aspect of our lives. In some cases it’s a slam dunk easy decision, but there are other times when we can, and should, handle it ourselves. The problem is knowing when to DIY it and when to call in the big guns, the professionals, in this case- the financial advisor. There are a lot of aspects of our personal finances that don’t require professional help. You don’t need a financial advisor to tell you that you need to start paying down your debt and get that employer match in your 401k. But there are some more complicated issues that might arise when it would make sense to hire a pro. Listen to this episode and see if you should be considering hiring a financial advisor or going it alone.During this episode we enjoyed a Catharsis by Treehouse Brewing- thanks to Bryan and Caitlin for donating this one to the show! And as we ramp up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

In this episode we have the honor of speaking with Richard Cordray, who served for six years as the first Director of the Consumer Financial Protection Bureau, or CFPB. Since his time at the CFPB, he has written a book, WATCHDOG: How Protecting Consumers Can Save Our Families, Our Economy, and Our Democracy. In his book, Richard shares stories of individual consumers in order to show how the Bureau quickly became a powerful force for good. WATCHDOG tells a hopeful story of how our system can be reformed by putting government back on the side of the people. And we don’t just stop at government help, we also dive into how we as individual consumers can take steps to remain vigilant, especially during this modern pandemic.During this episode we enjoyed a Von Pilsner by Crooked Stave- thanks to our friends at the brewery for donating this one to the show! And as we have ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!Best friends out! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.