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

@HowToMoney (7/14) Hour 1 | Let's hear some good news

July 14, 2024 • 32 mins

Good news - personal finance education is coming to a high school near you in California! These courses go a long way towards delivering a much-needed baseline knowledge for a subject that impacts all of us every single day. Also, should you cohabitate with your girlfriend or boyfriend after just a few months of dating? It could save you money. But it might cost you if you're not careful! There are newfangled ways of tapping your h...

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@HowToMoney (7/14) Hour 2 | Plans for renting

July 14, 2024 • 33 mins

Chase Bank threatens their customers with higher fees. Time to leave them for a better bank, folks! Checks are going the way of the dodo bird too by the way. Next, we take this question: should you try and buy the house you're renting?

Planned obsolescence is a real problem for consumers these days. We highlight a few that are doing things differently! Vanguard is the GOAT when it comes to low fees, but its customer service has fall...

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@HowToMoney (7/07) Hour 1 | Ditch your financial advisor?

July 7, 2024 • 32 mins

The SAVE plan is in limbo and it is torturous for anyone with a meaningful student loan balance. Next, how much can you save by switching to a different cell phone plan? Answer: $1500 a year. We'll tell you how. We also talk about how to fight for a diminished value payment from the insurance company in the aftermath of a wreck.
Companies that ask you to 'trust them' end up not being incredibly trustworthy. Also, should you ditch y...

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@HowToMoney (7/07) Hour 2 | Korean savings trend

July 7, 2024 • 33 mins

Money avoidance is a real problem in relationships. We offer tips to help you get that crucial conversation started. Plus, there’s a lot we can learn from a Korean savings trend!

Does it make sense to cash out a retirement account to pay off credit card debt? Also, companies are increasing automatic contribution amounts for employees. This is great for their financial future!

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@HowToMoney (6/30) Hour 1

June 30, 2024 • 32 mins

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@HowToMoney (6/30) Hour 2

June 30, 2024 • 31 mins

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@HowToMoney (6/23) Hour 1

June 23, 2024 • 33 mins

Should you take the bus instead of flying on your next vacation? It could save you a bundle! If you're going on an international trip, check your passport expiration date. And you might be able to update your US passport online these days. Plus, airlines are upselling their customers for everything these days. That's actually a good thing for frugal travelers who are willing to jump through the hoops! Then, we talk about how to hel...

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@HowToMoney (6/23) Hour 2

June 23, 2024 • 33 mins

Gen Z investors are using astrology and tarot cards to guide their investments. And some 'economists' are predicting stock market DOOM. Don't listen to them! Listener question: How to handle gift cards in your budget? “Spaving” is the new money trend. But we don’t like it at all! Also, what do you need to be cautious of if you’re retiring early?

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@HowToMoney (6/16) Hour 1

June 16, 2024 • 2 mins

Cash or credit? Turns out it might cost you more to pay with cash these days! Next, how do you know if you should file for bankruptcy? There are often better options for most folks. Is real estate the best investment on the planet? Most Americans think so. The answer is more nuanced. You'll save TONS of money (potentially six figures) by shopping around for a mortgage. Also, if you've got more than $250k in savings, how do you insu...

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@HowToMoney (6/16) Hour 2

June 16, 2024 • 33 mins

How to fight back against high healthcare costs. People are spending more money at restaurants than ever. Our old school advice: eat at home more! Next, we talk about when it makes sense to tap home equity (rarely). Commute times are getting longer but most folks are commuting less often. Also, should you buy a refurbished phone?

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@HowToMoney (6/09) Hour 1

June 9, 2024 • 33 mins

Do you need private equity or alternative investments to build wealth? No way! Most of those 'sexy' investments are actually a distraction. Next, will you receive a tax bill for giving money away as a gift? We cut through the confusion and discuss how gift taxes actually work. Also, more people are dropping homeowner's insurance. That might make sense for you. But it can be an incredibly risky proposition! Links: Best travel credi...

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@HowToMoney (6/09) Hour 2

June 9, 2024 • 33 mins

Should you ditch brick & mortar banks? We think so! We also talk about whether or not you should pay off your mortgage early. All signs point to "probably not." What should you do if you have an old 401k - leave it be or roll it over elsewhere? Does it make sense to DIY your own target date retirement fund?

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@HowToMoney (6/02) Hour 1

June 2, 2024 • 32 mins

When doing a chargeback with your credit card company makes sense. Should you buy a new house or add on to your current one? Why is the American public so pessimistic right now about the economy? We've got a skewed idea of the data, PLUS we've changed the definition of inflation. Also, want to reduce what you pay for rent? We'll tell you how!

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@HowToMoney (6/02) Hour 2

June 2, 2024 • 32 mins

It's becoming more common to pay for expensive memberships to make friends. But there are free ways to grow your community! How to help your kids handle money well in the digital age. Americans are driving their cars longer. But don't forget about other underrated modes of transportation...like the bike! Then we tackle the topic of simplifying your investment accounts.

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@HowToMoney (5/26) Hour 1

May 26, 2024 • 32 mins

Check your beneficiary designations. It’s crucial! Streaming your favorite major league sports is only getting more expensive. Health sharing plans might be able to save you money. Most home improvement projects won’t save you money. Plus, how to reduce childcare costs.

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@HowToMoney (5/26) Hour 2

May 26, 2024 • 32 mins

Beware of costly online investing courses. Has the 401k failed us? How you can you appeal a property tax increase and win! The price of college has skyrocketed, meaning the value of college for many has declined. Perpetual homeowners insurance is a fascinating, but rare, product.

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@HowToMoney (5/19) Hour 1

May 19, 2024 • 32 mins

TextNow has a limited amount of data, suitable for using Google Maps and similar apps, but not enough for social media. If you're looking to save money and don't use data-heavy apps, this provider could be a good option for you. Steve asked how he could save up money to start the adoption process. Are you getting ripped off on sales online? Real estate is the best business to get into...
Join the Facebook group "How to Money" to c...

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@HowToMoney (5/19) Hour 2

May 19, 2024 • 32 mins

"Listen to the podcast to find out which credit cards to get." Invest in businesses based on political beliefs. Madison asked if her employee stock plan is worth it, as it is one of her work perks. Social security is failing!
Join the Facebook group "How to Money" to connect with like-minded people.

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@HowToMoney (5/12) Hour 1

May 12, 2024 • 32 mins

Is Matt Altmix joining the podcast from now on? In the latest episode, they talked about how they met and the name of the podcast before it became "How To Money". The show will still continue to take and answer calls. You can send your questions to Joel at howtomoney.com/ask and follow the instructions on how to submit them. Also, how do you feel when a friend asks you for money to celebrate their birthday? And, is owning a home a ...

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@HowToMoney (5/12) Hour 2

May 12, 2024 • 32 mins

If you are on Facebook and want to connect with people who share similar interests as you, then you should join the 'How to Money' Facebook group. We discuss various topics related to managing finances, and if you are not familiar with the 4% rule, we explain it in detail to help you understand it better.

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