How to Money

How to Money

Best friends Joel and Matt believe that when you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living a rich life.... Show More

Episodes

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 finan...
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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 f...
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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 good news we’ve come across in the past week. We also address how you might have the option to make changes to your hea...
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Change can be a little frightening, but it’s the only constant. Our entire economy has seen a massive change- industries that were in slow decline are now quickly accelerating towards obsolescence, and we’re seeing other industries that were fairly new and unproven showing explosive growth. There is a good chance you have experienced some changes at work, and so whether you like it or not a career pivot might be on the horizon for ...
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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 - Is now a good time to make a Roth IRA conversion? 2 - I’m in my mid-30s, should I focus on paying down debt or investing more towards retirement? 3 - Should I sell some stocks that I’ve purchased via my employer’s ESPP? 4 - How much should I be budgeting for housing repairs and ...
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Friday episodes are all about the effects of Covid-19 on your personal finances. There’s a lot of news and information out there, but we are distilling it down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also address how spending is up home improvement, whether there is more stimulus money ...
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Why is it that when a consumer item like a new phone is on sale, we pounce, but when the stock market is on sale, we run? Buying and holding are both far more difficult to do in a volatile market for most investors. And when we see terms like ‘bear market’ and ‘recession’ in the headlines, it makes it even harder for many of us to continue to invest. But what is important to remember is that buying into this market volatility is th...
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In his early 20s, Thomas Nitzche found himself in loads of debt. Like so many folks, he didn’t learn how credit cards really worked, and so the charges began to add up, and before he knew it he had an overwhelming balance that he could barely make minimum payments on. Couple that consumer spending with student loans, a car payment, a mortgage, and the final kicker- getting laid off and losing his income. Thomas found himself in a r...
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Friday episodes are all about the effects of Covid-19 on your personal finances. There’s a lot of news and information out there, but we are distilling it down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also address the surge in bicycle riding as well as the likelihood of all of us to beco...
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May 6, 2020 41 min
Money anxiety is something we have all experienced in one way or another. Whether it’s student loans, trying to save up enough for a car, or even having enough money to make it to the end of the month- this stress is a very real thing. Covid-19 and its effects on our economy and our jobs have only exacerbated the issue. According to a recent Qualtrics report, 67% of people say they have higher levels of stress since the beginning o...
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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 - I really like investing via Fundrise, but should I be maxing out my Roth IRA first? 2 - Bad news: I’ve recently lost my job. Good news: I just sold my house and got married! What should I do with the money from the sale of my home? 3 - Should I take advantage of super low intere...
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Friday episodes are all about the effects of Covid-19 on your personal finances. There’s a lot of news and information out there, but we are distilling it down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also address some of the impending changes to credit card limits as well as mortgage fo...
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With the Great Lockdown continuing to take its toll on the economy, mortgage rates are at near all-time lows so now is a great time to consider refinancing. Pouncing on these lower rates can lower our monthly mortgage payment, allowing us to free up some money that was being funneled towards housing. But what else should we consider? Are you a good candidate for a refinance? And then on top of that there are also costs involved in ...
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Our guest on this episode is personal finance expert Farnoosh Torabi who has transformed what most would consider setbacks, into the very things that drive her forward. She found herself living in NYC at the age of 22 with over $30k in debt, but it was through the process of climbing out of debt that Farnoosh realized her desire to help others with their money. She has done it all, from reporting for Money Magazine, to hosting her ...
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Friday episodes are all about the Great Lockdown, Covid-19, and your money. There’s a lot of news and information out there, but we are distilling that down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also share our thoughts on some states reopening for business, getting refunds, and privac...
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Many of us have been stuck at home with extra time on our hands due to the quarantine. Even if your state or local government hasn’t made it an official order, it’s likely you’ve found yourself trying to figure out what to do with these free nights and weekends! And while we wouldn’t suggest that you must use all that additional time to work on your personal finances, it would helpful to use at least some of it to work on some mone...
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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 - I have a lot of bonds in my portfolio- is now a good time to sell them and buy more stocks instead? 2 - How are new student loans being affect by the health crisis? 3 - I’ve recently started doing business with an insurance broker, saving me time and money! What’s the catch? 4 -...
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Friday episodes are all about the Great Lockdown and your money. There’s a lot of news and information out there, but we are distilling that down to specific takeaways that will allow you to weather this surreal health and financial crisis. In today’s timely episode we cover a lot of good news we’ve come across in the past week. We also take a look at the changes we’ve seen to consumer spending, energy use as an indicator of what’s...
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A stimulus check, tax refund, or any large windfall doesn’t happen all that often, so it’s no surprise that we’re not all that great at doing something smart with that money. Most of us think of it as a bonus that we should spend! And for people who diligently prioritize saving and investing every single month of the year, that might be ok. But for most people, a more thoughtful approach is in order. Much of it depends on your spec...
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We’ve all heard about the minimalist lifestyle- maybe you’re picturing a bearded hipster drinking coffee in his perfectly white dining room or an Instagram worthy, perfectly styled modern kitchen. It turns out that’s not what minimalism is all about- it’s about priorities. Also, we’ve all been spending more time in our homes than we’d probably like to be, and all that clutter might be getting to you. Here to talk with us today abou...
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