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
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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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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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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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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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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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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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...
Join the Facebook group "How to Money" to c...
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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.
Join the Facebook group "How to Money" to connect with like-minded people.
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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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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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April 29, 2024 • 32 mins
Joel discusses how as consumers we should be more mindful of how we interact with the massive online retailer, Amazon. Leasing an EV car is a good option due to their current deals, alongside with how fast technology is developing. Joel gets into being against student loan forgiveness as policy. Also, how Frictionless payments are costing us more money.
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April 29, 2024 • 33 mins
Joel warns us to be super careful when investing in gold as it’s highly illiquid. Joel also dishes on how one can get international exposure in the stock market. Plus, Senior Director of Partner Relations at Money Mangament International Jackie Boise, joins Joel in an interview where they discuss everything finance.
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April 23, 2024 • 37 mins
Joel chats things up on this new bankrate survey finds that folks are willing to go into debt, just to have fun. He explains how an echo housing boom finds the costs of home ownership going up - even if you bought just a few years ago. Joel dives into gambling and how much Americans are wasting their money by doing so. Joel takes caller’s calls where he breaks down the differences between bankruptcy and debt restructuring. Plus, a...
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April 23, 2024 • 35 mins
Joel gets into retirement and how much one needs to do so, comfortably and the anxiety it creates when dealing with the amount they need to do so. Joel answer caller’s questions surrounding a transfer of savings account onto an online banking account, AT&T’s hacking & the aftermath of the breach. He touches on how much money should you keep in checking vs savings accounts. He talks about how much should you spend on vacati...
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April 15, 2024 • 38 mins
Joel dives into the groundbreaking world of cashier-less Amazon grocery stores and the new legislation aimed at reducing food waste in the US. He'll explore the benefits and drawbacks of mini-retirements and micro-investing, and take a listener's call on transitioning from a traditional IRA to a Roth IRA. Plus, we'll unpack the controversy surrounding a neobank's new line of credit product and debate if your Roth IRA could be your ...
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April 14, 2024 • 44 mins
Joel sounds the alarm: Tax Day is upon us. It's your last chance to get those taxes in order! He dives into maximizing your earnings by exploring new job opportunities and the impact of contributing to causes. Joel takes listener calls about the complexities of refinancing a cosigned student loan with Sallie Mae and break down the latest on student loan forgiveness strategies.
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April 7, 2024 • 38 mins
Joel discusses the concerning trends in credit card debt, the implications of 'buy now, pay later' schemes, and the psychological burden of debt. He explores financial planning and inheritance questions with callers, addresses the impact of the national debt on individual investments, and provides insights on job changes for higher pay, avoiding airline baggage fees, and considering reverse mortgages.
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April 7, 2024 • 41 mins
Joel discusses managing personal finances for long-term success, emphasizing small consistent decisions over quick wealth. He covers strategies for financial independence, challenges misconceptions about debt, and offers advice on investments and windfalls. Joel provides insights on financial management and avoiding negative biases from media.
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March 24, 2024 • 40 mins
Joel gives the pros and cons to dialing workweeks back from five-days to four-days, Trading in your vehicle and its negative equity, and realtors 6% commission elimination, PLUS, Joel talks with a real estate agent from Santa Barbara calling in about the National Association of Realtors lawsuit.
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March 24, 2024 • 39 mins
Joel discusses how much we should be spending on vacation trips, landline services and its importance to the elderly, personal savings rates are not good in the U.S. Joel dives into if we should be paying off debt or just simply invest. Joel talks about removing the stigma of taking regular jobs and occupations. The Importance of trade programs in school and the job opportunities that come with it. Plus, Joel talks about social med...
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