How To Money

How To Money

Listen to "How To Money" on Sundays from 12 PM to 2 PM.Full Bio

Ask HTM - Housing Rule of Thumb, Axing a Boat Payments, & Making Bank on the World Cup #1108

Friday Flight - Tariff Turmoil, Winning So Much, & Border-Hopping for Bargains #1107

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like:

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

 

And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

 

Best friends out!

See omnystudio.com/listener for privacy information.

Die with Zero w/ Bill Perkins #1106

Most money advice is a broken record: save more, invest early, and wait for freedom. But what if the real risk isn't running out of money but instead is running out of time? In this episode, we’re challenging the "accumulation at all costs" mindset with Bill Perkins, author of the cult classic Die With Zero. It turns out that a healthy money relationship isn’t just about building wealth but it’s also about intentional spending. Bill argues that time is the most precious asset we have, and that waiting too long to enjoy it can be a costly mistake because we don’t want to reach the finish line with a full bank account and a lifetime of missed opportunities! We discuss how:

  • Time is the most precious asset we have
  • Travel makes you a richer person
  • Your health impacts your wealth
  • Timing your life experiences
  • Memory dividends are inflation protected fulfillment
  • Delayed gratification as a form of prison
  • His concept of time buckets
  • Life is full of risk and we have to decide what's worth it
  • And much more!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

  • Bill Perkins: Check out the book yourself: Die With Zero, be sure to not follow (Bill’s own recommendation) on Insta or X, and more resources can be found at the site for the book as well.
  • Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
  • Money Gears: knowing what to do with your money is crucial to your personal finance journey.
  • Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
  • Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!

 

And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

 

Best friends out!

See omnystudio.com/listener for privacy information.

Ask HTM - High Net Worth but still Paycheck to Paycheck, Better Investing for Freelancers, & the Necessity of Amazon Prime #1105

We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

 

1 - Student loans: what can I do to avoid being in student loans for the rest of my life?!

2 - Lower income, higher net worth: should I be nervous that our monthly spending is more than what we’re bringing in?

3 - Self employed: if I would like to save more should I invest more dollars into my brokerage account or is there a better option?

4 - Amazon: can I still use my Fire TV if I cancel my Amazon Prime membership?

5 - Small business: what are the best business savings accounts available today?

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

  • Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
  • Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
  • Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
  • Money Gears: knowing what to do with your money is crucial to your personal finance journey.
  • MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

 

During this episode we enjoyed a Porter by Incendiary Brewing - a huge thanks to Brandon for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

 

Best friends out!

See omnystudio.com/listener for privacy information.

Friday Flight - 401k Mullets, Crappy Coffee, & Bitcoin Bashing #1104

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like:

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

  • Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
  • Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
  • Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
  • Money Gears: knowing what to do with your money is crucial to your personal finance journey.
  • MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

 

And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

 

Best friends out!

See omnystudio.com/listener for privacy information.

Why Being “Good With Money” Still Feels So Hard w/ Shannah Game #1103

How often do you stop to consider that your hormones might be the ones clicking "Add to Cart"? We like to pretend money is just logic and spreadsheets, but let’s be real: it’s emotional, it’s messy, and it’s never just about the numbers. If you’re tired of carrying the weight of old financial mistakes or wondering why you’re stuck in the same self-sabotaging loops, this episode is your manual for a reset. Today, we’re joined by Shannah Game, a CFP and Money Therapist who bridges the gap between your brain and your bank account. Get ready to ditch the shame, kill the stress, and finally build a relationship with money that actually feels good. Today we discuss: 

  • How even successful folks feel stressed about their money
  • Importance of communication with your parter
  • Understanding and enjoying the financial journey in addition to goals
  • Identifying ‘enough’
  • Recognizing the ways you’re crushing it
  • Financial growth accompanied by emotional growth
  • Impact of your finances on your overall well-being
  • And much more!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

 

And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

 

Best friends out!

See omnystudio.com/listener for privacy information.

Ask HTM - Student Loans in Administrative Forbearance, Intentionally Entering into Collections, and Financial Infidelity #1102

We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

 

1 - Collections: Is waiting for my unexpected medical bill to head to collections a good or great strategy?

2 - Student loans: What should I do while my student loans are in administrative forbearance?

3 - HSA: Will I be able to reimburse myself for kid medical expenses off in the future when they have their own insurance?

4 - Preggo: After Money Gear 7, what should be our next top priority since we’re now expecting a baby this summer?

5 - Infidelity: What do I do about the secret debt my wife racked up over the holidays?

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

  • Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
  • Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
  • Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
  • Money Gears: knowing what to do with your money is crucial to your personal finance journey.
  • MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

 

During this episode we enjoyed a Vienna Lager by Incendiary Brewing - a huge thanks to Brandon for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

 

Best friends out!

See omnystudio.com/listener for privacy information.

Friday Flight - Stealthy Skimpflation, Janky Job Markets, & Day-Trading Doris #1101

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like:

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

 

And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

 

Best friends out!

See omnystudio.com/listener for privacy information.

Talk About Money Without Fighting w/ Dr. Sonya Lutter #1100

Money fights are one of the most common, and most damaging, sources of tension in a relationship. Whether it’s spending, debt, or mismatched financial goals, those arguments can quietly erode trust and connection over time. But here’s the good news: money doesn’t have to be the thing that drives couples apart. When partners develop healthy financial habits and learn how to communicate about money, it can actually strengthen their relationship. Which is why we’re excited to welcome Dr. Sonya Lutter to the show today. She’s both a marriage therapist and a financial planner, and she leads the Financial Health & Wellness program at Texas Tech. She brings a rare, research-backed perspective on how couples can keep money from becoming a stumbling block and instead make it a source of teamwork. Today we discuss: 

  • How financial therapy combines finance and emotional support
  • Perception of financial wellness often differs from reality
  • Financial stress impacts decision-making abilities
  • Biological responses to stress affect financial decisions
  • Regular financial conversations can prevent conflicts
  • The most common relational dynamic that leads to money fights
  • How financial infidelity can be as damaging as sexual infidelity
  • And much more!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

 

And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

 

Best friends out!

See omnystudio.com/listener for privacy information.

Ask HTM – ADU vs iBonds, Timing a Silver Sale, and HELOC Unlocking Landlord Status #1099

We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

 

1 - iBonds: What is the actual rate that I’m earning and should I dump them to fund an ADU (Accessory Dwelling Unit)?

2 - Trusts: Should I implement a trust in order to protect my sizeable investments in my taxable brokerage account?

3 - Roth conversion: Do I need to let my Roth conversion sit for 5 years before I’m able to tap it?

4 - Precious metals: Is now the time to sell the silver I invested in years ago?

5 - Down payments: To what extent is it illegal to tap a HELOC to fund my next home purchase?

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

  • Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
  • Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
  • Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
  • Money Gears: knowing what to do with your money is crucial to your personal finance journey.
  • MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

 

During this episode we enjoyed a Cerberus Nocturne Vanilla Porter by Incendiary Brewing - a huge thanks to Brandon for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

 

Best friends out!

See omnystudio.com/listener for privacy information.