How To Money

How To Money

How To Money with Joel Larsgaard and Matt Altmix is heard every Sunday 12-2pm. Joel and Matt are best friends who love talking about money while drinking delicious beer. So they created a podcast incorporating both! 45+ million downloads they are still energized by the mission of reaching people with practical money-saving advice. The Status Quo Isn’t Working -- 40% of Americans don’t have the ability to cover an unexpected $400 expense, college students are graduating with unfathomable sums of debt, and the world of personal finance has become increasingly complex. It’s Time to Make a Change -- Altering the way you handle your personal finances is a major part of the solution. But where do you start? Who can you trust? And how much will that advice cost you? How To Money is a podcast & website providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, & crucial money tricks that will provide continuous help along your journey. We believe that access to free, unbiased, and jargon-free personal finance guidance is more necessary than ever before.

Episodes

December 7, 2025 33 mins

Ask HTM: Max wants to know how much of a down payment to put down when buying a home.
Trump accounts are here! Matt and Joel parse the details about how to get the free $1k and whether these accounts make sense for other families. 
Ask HTM: Question about antics he experienced when buying a car.

See omnystudio.com/listener for privacy information.

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Ask HTM: Casey wants to prepare for his family now that he has a child with a disability.
What is the poverty line in America? It's certainly not $140k the way some folks might make you think!
Ask HTM: A HTM listener wants to know if annuities are a good investment product or not.

See omnystudio.com/listener for privacy information.

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November 23, 2025 33 mins

It's getting harder to take advantage of high-end credit cards. Know the hurdles to earning rewards before you sign up for a card with an exorbitant annual fee!
Ask HTM: Tim wants to know about the ethical nature of filing a claim for a new roof when it's not truly damaged. 
Tariff rollbacks on popular grocery store items are quietly happening. It's a tacit admission that tariffs create higher prices for consumers. ...

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November 23, 2025 33 mins

Apple has launched a new 'sock' to store your phone. It costs $230! Joel & Matt talk about ridiculous overpriced items. 
Ask HTM: Steve is worried about AI's impact on his small business. Should he change his investments? 
Electric vehicles are losing their luster. And prices remain high on EVs. Run the numbers for how you drive before you opt for an EV over an ICE!
Ask HTM: Jordan wants to know about switchi...

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November 9, 2025 33 mins

How To Money Hour 2 (11/09) - Eating out for lunch is expensive! Eat leftovers instead, folks.
Ask HTM: A Facebook poster wants to know if paying off his mortgage will harm his credit score.
Ads are everywhere these days! They're getting incredibly annoying. Matt has a tip for avoiding ads on social media. Kelsey wants to know if she should stop investing for a bit in order to pay off debt.

See omnystudio.com/listener for...

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November 9, 2025 33 mins

How To Money Hour 1 (11/09) - Cars aren't cheap anymore, far from it, but Americans are making them cost quite a bit more because of their idiotic financing moves. A HTM listener has a question about open enrollment and how to choose his healthcare plan wisely. Also, what's going on with the job market right now!? Is AI really crushing starter jobs? HTM listener Wayne wants to know if we would change our stance on BNPL if they...

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Joel and Matt discuss the state of the craft beer industry. And offer a little economic analysis for why craft breweries aren't thriving in 2025.

HTM listener Morgan contributed too much to her 401k. It's a good problem to have, but it's still a bit of a problem.

Plus, Credit card churning is popular with a certain segment of personal finance enthusiasts. It can be rewarding, but it can also trip you up!

Also, ...

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October 26, 2025 31 mins
Joel just ran his first marathon, but it's amazing how much money people are spending on what has been such a simple hobby! HTM listener Katie has a question about how to calculate her savings rate.

Plus, the more money you have, the harder it gets to manage.

Also, a HTM listener wants to use a recent settlement to boost his retirement savings.


See omnystudio.com/listener for privacy information.

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September 14, 2025 31 mins
Thinner iPhones are coming! But they're expensive. And way too many Americans seem to be fine with taking on debt to buy a new tech device. But that's a terrible idea! 


Ask HTM: Clint wants to know about protein-loading on the cheap.


Health insurance costs are on the rise. Matt and Joel offer tips to help folks cope with price hikes and benefit cuts. 


Ask HTM: Chris wants to know if he should get a ...

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September 14, 2025 33 mins
Sports gambling is becoming a pervasive problem. Many young men are finding themselves addicted and in serious financial trouble.


Ask HTM: Anna wants to get her 529 contributions right, ensuring she gets the max state tax deduction she's eligible for. 


Social Security is the most valuable asset that most Americans have. That's not good! We want HTM listeners to invest effectively enough that their retirement a...

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September 7, 2025 33 mins
Does hard work still pay off in the good ol' USA? Most Americans don't think so! 


Ask HTM: John wants to know if he should keep his condo as an investment or sell it instead.


Stocks are at-all time highs...and record-high valuations. Should that impact how you invest!?


Ask HTM: Jennifer wants to know about ABLE accounts and how to use one effectively.

See omnystudio.com/listener for privacy infor...

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September 7, 2025 33 mins
Customer loyalty sounds like a good thing...but it could cost you.


Ask HTM: Mike wants to pay off $50k of credit card debt.


You might want to start setting airfare alerts for holiday travel.


Ask HTM: Nicole wants to know about investing in real estate online. Is it a good idea? 

See omnystudio.com/listener for privacy information.

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Is more education always a good thing, leading to better pay? Nope. New information reveals that many job skills certificates are a total waste of your time and money.


Ask HTM: Bryant is 25 and wants to know how he and his wife should be investing.


More Americans are opting to use debit cards instead of credit cards right now. But the major problem for budgets is that spending isn't going down!


Ask ...

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Some parents are investing lots of money on behalf of their young kids. Surprisingly, we don't love hearing that!


Ask HTM: Stephen wants to know if premiums go up on homeowners insurance when you file a claim.


Politics is driving economic beliefs and investment strategy for far too many Americans. It's ok to care about politics, but don't let it sway how much or where you decide to invest!


Ask HTM: ...

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August 24, 2025 32 mins
School is back! Matt and Joel talk about how to save money on school supplies and lunches. 


Ask HTM: Wendy wants to know if she needs a financial advisor to help her out.


Is work/life balance really possible if you're pursuing financial independence? Some might say it's not. Some sacrifices are required, but we think you can still strike a solid balance.


Ask HTM: Joel talks about his battle for cust...

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August 24, 2025 33 mins
Alternative investment companies tout that you can "invest like the 1%!" Sadly, many are losing money hand over fist.


Ask HTM: Question about borrowing money for a car and how that impacts a credit score.


Older Americans are renting in greater numbers. That's not necessarily a bad thing! 


Ask HTM: Katie wants to know if Social Security will be there for her when she reaches retirement age.

See om...

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August 17, 2025 32 mins
Joel's battle with Peloton's silly fees. Also, the housing market has slowed dramatically. Where do things go from here? 


Ask HTM: A parent wants to know if they should be investing in their kids 529 plan...or if it's overrated.


In a policy reversal, medical debt is going to start impacting credit reports again soon.


Ask HTM: Listener wants to know if he should pay off his credit card debt with a HE...

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Hertz is using AI to assess damage to its cars. And customers aren't happy about it. HTM tells you how to protect yourself! 


Ask HTM: Quay wants to know how to handle an inheritance wisely.


Hybrid work is no longer the norm. And more folks are finding themselves working at all hours of the day and night. That's not good!


Ask HTM: Carm wants to know why his credit union is offering him free life insu...

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Joel talks about his dishwasher arbitrage play. Also, does the Moody's credit downgrade matter?


Ask HTM: Cheryl inherited some money and wants to know the wisest way to proceed with extra money in hand.


Some high school juniors are getting $70k job offers. It reinforces the reality that there's a dearth skilled labor right now.


Ask HTM: Buddy wants to know if it's ok to buy a floor model mattress.

Se...

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July 13, 2025 33 mins
More gas stations are charging extra if you pay with a credit card. Beware!


Ask HTM: What should you do if you overfund a Roth IRA!?


Americans believe that real estate and gold are the best investments in existence. But the numbers reveal that there's an even better way to invest.


Ask HTM: Rebecca wants to know if she should buy an extended warranty with her new car. It's expensive!

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