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
September 29, 2024 • 33 mins
USA Today had a story about folks raiding their 401ks. It is true that you can access a portion of your 401k before retirement. But don't do it! Also, watch out for shady financial advisors.
Ask HTM: A listener is having extreme issues with his car. He might qualify for help under his state's lemon law!
Watch out for scams on payment apps like Zelle. You have less recourse when you pay that way. Credit cards still offer the most prot...
Ask HTM: A listener is having extreme issues with his car. He might qualify for help under his state's lemon law!
Watch out for scams on payment apps like Zelle. You have less recourse when you pay that way. Credit cards still offer the most prot...
Mark as Played
September 29, 2024 • 32 mins
Car-free communities are en vogue these days. We love it!
Ask HTM: Does it make sense to become a landlord and rent his condo out?
ATM fees have gotten out of control. But there are ways to eliminate those fees from your life!
Ask HTM: what to consider before moving back in with her parents?
Ask HTM: Does it make sense to become a landlord and rent his condo out?
ATM fees have gotten out of control. But there are ways to eliminate those fees from your life!
Ask HTM: what to consider before moving back in with her parents?
Mark as Played
September 22, 2024 • 32 mins
What the Fed cutting rates means for your wallet. It's not great for savers and potentially beneficial for borrowers.
Ask HTM: Mike wants to use 529 funds for private elementary school. Is that a good idea?
529 funds are becoming more popular than ever. But should you stick your hard-earned money into them? The answer depends on how much progress you've made in your other financial endeavors.
Ask HTM: McKenzie wants to know if she s...
Ask HTM: Mike wants to use 529 funds for private elementary school. Is that a good idea?
529 funds are becoming more popular than ever. But should you stick your hard-earned money into them? The answer depends on how much progress you've made in your other financial endeavors.
Ask HTM: McKenzie wants to know if she s...
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September 22, 2024 • 33 mins
If an engagement is broken off, who should get to keep the ring!? Also, how to avoid burnout at work - limiting notifications.
Ask HTM: Orlo asks about 'buy now pay later' problems.
Amazon is calling employees back to the office. We talk about how you should think about the migration away from WFH in a cooling labor environment. Also, coffee prices are going UP. That's bad news for caffeine addicts everywhere.
Ask HTM: Tim wants to k...
Ask HTM: Orlo asks about 'buy now pay later' problems.
Amazon is calling employees back to the office. We talk about how you should think about the migration away from WFH in a cooling labor environment. Also, coffee prices are going UP. That's bad news for caffeine addicts everywhere.
Ask HTM: Tim wants to k...
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September 15, 2024 • 31 mins
Matt and Joel are testing out US Mobile. It's been great and could save you big bucks!
Ask HTM: How much is the right amount to put down on a home purchase?
Great news! There are more 401k millionaires than ever, according to Fidelity. You too can grow a million-dollar net worth via your tax-advantaged retirement accounts.
Ask HTM: How to close credit cards properly?
Ask HTM: How much is the right amount to put down on a home purchase?
Great news! There are more 401k millionaires than ever, according to Fidelity. You too can grow a million-dollar net worth via your tax-advantaged retirement accounts.
Ask HTM: How to close credit cards properly?
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September 15, 2024 • 33 mins
More Americans are being tempted to take out a HELOC so they can keep spending. Don't do it! Also, why shrinkflation isn't as bad as politicians want you to think.
Ask HTM: Will he interrupt the compounding process by opening up a separate IRA account?
Do parents of college students need dorm insurance? Likely not. Also, Apple's new airpods can double as hearing aids. Pretty incredible!
Ask HTM: What would an unrealized capital gain...
Ask HTM: Will he interrupt the compounding process by opening up a separate IRA account?
Do parents of college students need dorm insurance? Likely not. Also, Apple's new airpods can double as hearing aids. Pretty incredible!
Ask HTM: What would an unrealized capital gain...
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September 8, 2024 • 32 mins
More retailers are charging you if you opt for cash back. So much for the ol' stick of gum approach to snag $20! Also, we should abolish the penny. There's no need for it in 2024!
Ask HTM: Should this listener buy a condo and do some house hacking?
Is the American Dream dead? It's at least becoming more expensive.
Ask HTM: Should I ditch an indexed universal life policy?
Ask HTM: Should this listener buy a condo and do some house hacking?
Is the American Dream dead? It's at least becoming more expensive.
Ask HTM: Should I ditch an indexed universal life policy?
Mark as Played
September 8, 2024 • 32 mins
People with a higher EQ earn more money. Soft skills are just as important as hard skills in the job market. Also, the Oasis dynamic pricing kerfuffle shows just how awful Ticketmaster is.
Ask HTM: More businesses are adding credit card fees to the tab. Is this the end of using credit cards to earn stellar rewards!?
Watch out for home title lock insurance pitches. It's not insurance at all and it's basically a giant waste of money!
A...
Ask HTM: More businesses are adding credit card fees to the tab. Is this the end of using credit cards to earn stellar rewards!?
Watch out for home title lock insurance pitches. It's not insurance at all and it's basically a giant waste of money!
A...
Mark as Played
September 1, 2024 • 32 mins
Car-free communities are en vogue these days. We love it!
Ask HTM: Does it make sense to become a landlord and rent his condo out?
ATM fees have gotten out of control. But there are ways to eliminate those fees from your life!
Ask HTM: what to consider before moving back in with her parents?
Ask HTM: Does it make sense to become a landlord and rent his condo out?
ATM fees have gotten out of control. But there are ways to eliminate those fees from your life!
Ask HTM: what to consider before moving back in with her parents?
Mark as Played
September 1, 2024 • 32 mins
Should boomer parents be providing the down payment for their kids!?
Ask HTM: What to do with excess savings!?
Phone locking rules could be changing soon. That's actually not a big deal. The key is to find a cheaper cell phone service, paying less each and every month!
Ask HTM: how to leave a job if your employer is paying for an advanced degree!?
Ask HTM: What to do with excess savings!?
Phone locking rules could be changing soon. That's actually not a big deal. The key is to find a cheaper cell phone service, paying less each and every month!
Ask HTM: how to leave a job if your employer is paying for an advanced degree!?
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August 25, 2024 • 32 mins
There are lots of economic proposals flying around right now from the Presidential candidates. Take them with a grain of salt! Are you better off renting or buying? Depends on what item we're talking about!
Ask HTM: Should I take an expensive online course to learn how to invest in real estate?
Going into debt for Disney (or for a vacation in general) is a bad idea!
Ask HTM: A listener wants to know which retirement account option h...
Ask HTM: Should I take an expensive online course to learn how to invest in real estate?
Going into debt for Disney (or for a vacation in general) is a bad idea!
Ask HTM: A listener wants to know which retirement account option h...
Mark as Played
August 25, 2024 • 32 mins
The ludicrous headline of the week comes from Morning Brew and it's about how sports gambling is preventing many homes from traditional investing. That's really bad news! Also, having a good credit score is now considered 'sexy.'
Ask HTM: creating a will when you have young children
Another day, another data breach. The best response is to freeze your credit.
Ask HTM: A listener just completed a money challenge. They've got a big sum...
Ask HTM: creating a will when you have young children
Another day, another data breach. The best response is to freeze your credit.
Ask HTM: A listener just completed a money challenge. They've got a big sum...
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August 18, 2024 • 32 mins
Concerts are more expensive these days. But the secondary costs of concert merch or buying popcorn and soda at the movies will really get you! This spending is leading to increased credit card debt too.
Ask HTM: A listener wants to know if he should sell his home even though he's only owned it for a year. It's typically a bad idea!
Buying used will almost always save you money over buying new. But new data finds that new homes actua...
Ask HTM: A listener wants to know if he should sell his home even though he's only owned it for a year. It's typically a bad idea!
Buying used will almost always save you money over buying new. But new data finds that new homes actua...
Mark as Played
August 18, 2024 • 33 mins
USA Today had a story about folks raiding their 401ks. It is true that you can access a portion of your 401k before retirement. But don't do it! Also, watch out for shady financial advisors.
Ask HTM: A listener is having extreme issues with his car. He might qualify for help under his state's lemon law!
Watch out for scams on payment apps like Zelle. You have less recourse when you pay that way. Credit cards still offer the most prot...
Ask HTM: A listener is having extreme issues with his car. He might qualify for help under his state's lemon law!
Watch out for scams on payment apps like Zelle. You have less recourse when you pay that way. Credit cards still offer the most prot...
Mark as Played
August 11, 2024 • 32 mins
We lead off the show talking about the difference between being frugal or cheap. It's an important distinction that needs to be made.
Joel and Matt discuss the downsides to buying an EV from a fledgling startup. There's real risk that companies might not continue to be able to support the vehicles they're selling! And small cars are getting more love as the prices of trucks and SUVs continue to climb.
What's the secret to getting ah...
Joel and Matt discuss the downsides to buying an EV from a fledgling startup. There's real risk that companies might not continue to be able to support the vehicles they're selling! And small cars are getting more love as the prices of trucks and SUVs continue to climb.
What's the secret to getting ah...
Mark as Played
August 11, 2024 • 33 mins
The media coverage over the stock market decline early in the week was completely nuts. We discuss how normal folks should respond to stock market declines.
Ask HTM: How should a pension factor into saving and investing for retirement?
Also, watch out for the too-good-to-be-true online courses. Then we discuss ways to make extra money from the home you already own.
Ask HTM: How should a single female think about house hacking? It can...
Ask HTM: How should a pension factor into saving and investing for retirement?
Also, watch out for the too-good-to-be-true online courses. Then we discuss ways to make extra money from the home you already own.
Ask HTM: How should a single female think about house hacking? It can...
Mark as Played
August 4, 2024 • 33 mins
Streaming the Olympics. And the negative consequences of more uninsured motorists on the road. Paying by the mile might be a way for you to save on car insurance!
Ask HTM: buying a house with a friend.
Young folks are worried about the future of social security and are taking matters into their own hands.
Ask HTM: Invest or save for an upcoming car purchase!?
Ask HTM: buying a house with a friend.
Young folks are worried about the future of social security and are taking matters into their own hands.
Ask HTM: Invest or save for an upcoming car purchase!?
Mark as Played
August 4, 2024 • 33 mins
Anxiety and avoidance are directing the financial lives of far too many Americans. Matt and Joel offer some ideas to remedy that.
Ask HTM: Should you consolidate debt when buying home?
Bundling is back! It looks like it might save you money, but think again.
Ask HTM: What to do with your investments when rolling over a retirement account.
Ask HTM: Should you consolidate debt when buying home?
Bundling is back! It looks like it might save you money, but think again.
Ask HTM: What to do with your investments when rolling over a retirement account.
Mark as Played
July 28, 2024 • 33 mins
What's going on with the job market!? It's certainly not as red-hot as it was. We talk about how to navigate things now. Pus, more Americans are working a side hustle. We have mixed feelings about the benefits of side hustles. HTM dishes on the pros and cons.
Ask HTM: Is it better to pay off a mortgage or put that money towards home improvements?
Know your rights in the aftermath of the Crowdstrike software mistake and the subsequen...
Ask HTM: Is it better to pay off a mortgage or put that money towards home improvements?
Know your rights in the aftermath of the Crowdstrike software mistake and the subsequen...
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July 28, 2024 • 33 mins
Beware of neobanks. They're not as safe as the best real online banks! Also, more banks are offering big bucks for switching. Is it worth it? Reading the fine print is crucial.
Ask HTM: Linda wants to know what to do when her CD maturity date is coming up.
Is it expensive to live a healthy lifestyle? Some will lead you to believe the answer is yes. But don't buy into the marketing hype. Also, is buying a home still part of the Ameri...
Ask HTM: Linda wants to know what to do when her CD maturity date is coming up.
Is it expensive to live a healthy lifestyle? Some will lead you to believe the answer is yes. But don't buy into the marketing hype. Also, is buying a home still part of the Ameri...
Mark as Played
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