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 29, 2025 • 32 mins
The job market is more tumultuous right now, especially for college graduates.
Ask HTM: Wayne wants to know if he should lend his stocks in order to make more money.
More workers are reducing contributions to their workplace retirement accounts because they're worried about the economy. This might be good, but only if you're saving the money you aren't investing!
Ask HTM: Collin wants to know about buying life insurance, when to buy ...
Ask HTM: Wayne wants to know if he should lend his stocks in order to make more money.
More workers are reducing contributions to their workplace retirement accounts because they're worried about the economy. This might be good, but only if you're saving the money you aren't investing!
Ask HTM: Collin wants to know about buying life insurance, when to buy ...
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June 29, 2025 • 33 mins
Mocktails are ridiculously expensive these days! Also, Gen Z is reluctant to open a bar tab - that could be sneaky smart.
Ask HTM: Caden wants to know if he should get another credit card.
We're buying everything on Amazon, including clothing. Amazon makes shopping easy, but that frictionless experience could coax you into buying too much stuff!
Ask HTM: A listener wants to know if she should repair or replace her old car that's havin...
Ask HTM: Caden wants to know if he should get another credit card.
We're buying everything on Amazon, including clothing. Amazon makes shopping easy, but that frictionless experience could coax you into buying too much stuff!
Ask HTM: A listener wants to know if she should repair or replace her old car that's havin...
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June 15, 2025 • 33 mins
One person's trash is another person's treasure. Recent college grads are abandoning really nice stuff! It could be a pickers paradise.
Ask HTM: Should you rent a car when going on an epic road trip?
Third party apps are collecting data on us. Could that be contributing to the rise of insurance premiums?
Ask HTM: What are the logistics of combining finances as newlyweds?
Ask HTM: Should you rent a car when going on an epic road trip?
Third party apps are collecting data on us. Could that be contributing to the rise of insurance premiums?
Ask HTM: What are the logistics of combining finances as newlyweds?
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June 15, 2025 • 32 mins
Even God would get fired as an active investor. So what makes you think you can be highly successful over time investing in single stocks!?
Ask HTM: Jessica wants to know if she should pay for daycare with a credit card - even if it costs extra to do so.
Used cars are starting to go up in value again. And Cyber Truck owners are finding that their value collapses within the first year of ownership.
Ask HTM: Jessica wants to know if she should pay for daycare with a credit card - even if it costs extra to do so.
Used cars are starting to go up in value again. And Cyber Truck owners are finding that their value collapses within the first year of ownership.
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June 1, 2025 • 32 mins
Southwest is officially charging for checked bags as of this week. That policy change should cause us all to reconsider our loyalty to a particular airline.
Ask HTM: Nate has a frugal vs cheap about buying razors.
The big beautiful bill is gonna change things on the tax front in a big way! HSAs, in particular, could get a whole lot better.
Ask HTM: Bri wants to know how to choose the right target date fund inside of her retirement acc...
Ask HTM: Nate has a frugal vs cheap about buying razors.
The big beautiful bill is gonna change things on the tax front in a big way! HSAs, in particular, could get a whole lot better.
Ask HTM: Bri wants to know how to choose the right target date fund inside of her retirement acc...
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June 1, 2025 • 33 mins
Credit card points are being devalued right and left. Matt and Joel tell you what you need to know to spend the points you've accumulated in an optimized way.
Ask HTM: Cade has a question about how to invest beyond his company match.
Renting is cheaper than buying basically everywhere right now. And the gap isn't small. Know this: You're not throwing away money when you opt to rent!
Ask HTM: Cassidy's insurance company is going to dr...
Ask HTM: Cade has a question about how to invest beyond his company match.
Renting is cheaper than buying basically everywhere right now. And the gap isn't small. Know this: You're not throwing away money when you opt to rent!
Ask HTM: Cassidy's insurance company is going to dr...
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May 25, 2025 • 32 mins
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.
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.
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May 25, 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!
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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May 18, 2025 • 33 mins
The trend of cutting the cord continues. But with the proliferation of streaming channels, like ESPN's new $30 a month service, you could be spending more than you used to with cable! Ask HTM: Mary wants to know about funding a Roth IRA for a kiddo. Online car-selling sites are trying to convince folks to sell their used car. Carvana, for instance, is sending emails out to a slew of its customers to ask them to sell. But you'll do ...
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May 18, 2025 • 34 mins
The #1 use case of AI is therapy and companionship. But AI bots are lying to users about having the credentials of a real therapist! We're a little worried about our tech overlords pushing AI on us at every turn.
Ask HTM: Yesel wants to know how to invest when she's on sabbatical.
Chinese tariffs have been delayed. That's good news. But this is only a temporary trade-war truce. We'll see how things shake out. But tariffs continue to ...
Ask HTM: Yesel wants to know how to invest when she's on sabbatical.
Chinese tariffs have been delayed. That's good news. But this is only a temporary trade-war truce. We'll see how things shake out. But tariffs continue to ...
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May 11, 2025 • 33 mins
New home and apartment sizes are shrinking in the US. Opting for a smaller abode could be a great move for your finances!
Ask HTM: Ben wants to know if you need a credit card to get through life.
Target date funds continue to gain steam. They can be a great option for many investors!
Ask HTM: David wants to know when to ditch full coverage on his automobiles.
Ask HTM: Ben wants to know if you need a credit card to get through life.
Target date funds continue to gain steam. They can be a great option for many investors!
Ask HTM: David wants to know when to ditch full coverage on his automobiles.
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May 11, 2025 • 33 mins
An article about raising your credit score is full of bad info. Matt and Joel pick it apart.
Ask HTM: Edward wants advice about going to back to school for a more enjoyable career.
People are freaking out about social security and many are opting to snag their benefit sooner than they should. There's a lot to consider before you make that knee jerk response!
Ask HTM: Is a Roth or traditional IRA better as you get closer to retirement?...
Ask HTM: Edward wants advice about going to back to school for a more enjoyable career.
People are freaking out about social security and many are opting to snag their benefit sooner than they should. There's a lot to consider before you make that knee jerk response!
Ask HTM: Is a Roth or traditional IRA better as you get closer to retirement?...
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May 4, 2025 • 33 mins
A new Vanguard study finds that folks with $2k in savings are much more financially resilient. So don't neglect your savings.
Ask HTM: Ann in CA wants to avoid living paycheck to paycheck. Does she need a financial coach?
Slate Auto is launching a bare-bones electric truck for under $20k. Matt and Joel are excited!
Ask HTM: Phil is saving up for a down payment. Should he be using a money market account instead of a HYSA?
Ask HTM: Ann in CA wants to avoid living paycheck to paycheck. Does she need a financial coach?
Slate Auto is launching a bare-bones electric truck for under $20k. Matt and Joel are excited!
Ask HTM: Phil is saving up for a down payment. Should he be using a money market account instead of a HYSA?
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May 4, 2025 • 33 mins
More Americans are using BNPL to pay for groceries. That's not good!
Ask HTM: Heather from OH has a question about her sister's student loan payments.
Tariffs are already having an impact. Amazon was planning on displaying the cost of tariffs for specific products on its site. But that's no longer happening. We like the idea of price transparency on tariffs!
Ask HTM: Matthew has a question about paying off medical bills with a credit ...
Ask HTM: Heather from OH has a question about her sister's student loan payments.
Tariffs are already having an impact. Amazon was planning on displaying the cost of tariffs for specific products on its site. But that's no longer happening. We like the idea of price transparency on tariffs!
Ask HTM: Matthew has a question about paying off medical bills with a credit ...
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April 27, 2025 • 32 mins
The department of education is going to start collection actions on student loans on May 5. Matt and Joel discuss what you need to do to be prepared for that!
Ask HTM: A listener wants to know if he should pay off student loans or not.
With all the recent market volatility, what do you do if you need to sell investments in short order!?
Ask HTM: Is it possible to report loans individuals make to the credit bureaus?
Ask HTM: A listener wants to know if he should pay off student loans or not.
With all the recent market volatility, what do you do if you need to sell investments in short order!?
Ask HTM: Is it possible to report loans individuals make to the credit bureaus?
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April 27, 2025 • 33 mins
Retiring early can come with regrets. Be careful what you wish for!
Ask HTM: Jonathan wants to know the role that faith plays in our approach to finances.
Is attending a timeshare presentation a good way to get a cheap vacation? Maybe. But be careful!
Ask HTM: Does it ever make sense to sell stock to pay off mortgage principal early?
Ask HTM: Jonathan wants to know the role that faith plays in our approach to finances.
Is attending a timeshare presentation a good way to get a cheap vacation? Maybe. But be careful!
Ask HTM: Does it ever make sense to sell stock to pay off mortgage principal early?
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April 20, 2025 • 33 mins
Consumers are panic pre-buying because of tariffs. But is that a good idea?
Ask HTM: Bryant wants to know if international investing makes more sense in today's environment.
We're starting to see tariff surcharges, particularly from smaller companies.
Ask HTM: Matt and Joel take listener questions about the downstream impacts of tariffs, ie China retaliation and gold prices.
Ask HTM: Bryant wants to know if international investing makes more sense in today's environment.
We're starting to see tariff surcharges, particularly from smaller companies.
Ask HTM: Matt and Joel take listener questions about the downstream impacts of tariffs, ie China retaliation and gold prices.
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April 20, 2025 • 32 mins
Do you need a 12-month emergency fund now!? That might be over the top.
Ask HTM: How should one prepare for a layoff given the potential of a recession? And is it a bad idea to sell a home right now!?
We don't love that a recession is more likely, but we do like that frugality is trending!
Ask HTM: Does it make sense to take an early retirement offer from the federal government?
Ask HTM: How should one prepare for a layoff given the potential of a recession? And is it a bad idea to sell a home right now!?
We don't love that a recession is more likely, but we do like that frugality is trending!
Ask HTM: Does it make sense to take an early retirement offer from the federal government?
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April 13, 2025 • 33 mins
Prioritizing cultural events in your budget can help alleviate depression. And they don't always have to cost big bucks!
Ask HTM: Chelsey wants to know what to do when her employer changes their 401k match.
Consumer Reports put out a list of the best new cars. We also discuss the best low-cost used cars. Opting for a used ride will massively help your transportation budget stay intact!
Ask HTM: Mike wants to know if his company's long...
Ask HTM: Chelsey wants to know what to do when her employer changes their 401k match.
Consumer Reports put out a list of the best new cars. We also discuss the best low-cost used cars. Opting for a used ride will massively help your transportation budget stay intact!
Ask HTM: Mike wants to know if his company's long...
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April 13, 2025 • 33 mins
A new article touts 'investing' your emergency fund. But that's a terrible idea!
Ask HTM: Mary from MI wants to cultivate a secondary source of income.
A new list of top grocery stores was just released. Trader Joes took the top spot!
Ask HTM: Megan wants to know if the Costco credit card is worth getting.
Ask HTM: Mary from MI wants to cultivate a secondary source of income.
A new list of top grocery stores was just released. Trader Joes took the top spot!
Ask HTM: Megan wants to know if the Costco credit card is worth getting.
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