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
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: 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: 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: 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: 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: 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: 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: 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: Cheyenne in TN just got married and has some questions about combining finances.
What will the impacts of 'liberation day' be? It's not looking pretty for the American economy and for consumer prices.
Ask HTM: Miranda wants to know which retirement account to prioritize.
Ask HTM: Nate wants to make sure his parents are in a good financial position and specifically wants to know about long-term care.
Robinhood is about to start offering advice for a fee. But is it worth the cost? Also, BNPL transactions will start being factored into your credit score.
Ask HTM: Listener Matthew wants to know how to budget for hobbies.
Ask HTM: Eric from OH wants to be well prepared for his home purchase. How much does he need to save when he has a lot of renovations planned.
Frontier did a clapback at Southwest, instituting free checked bags for its customers. Also, Grubhub BNPL has Matt and Joel ...
Ask HTM: Zane wants to know if cashing out his pension makes sense. Also, should a pension be factored into net worth calculations?
Insurance costs are on the rise. But bigger price hikes could be on the horizon for Tesla owners because of recent acts of vandalism.
Ask HTM: Jose wants to know if he should pay off his mortgage or not.
Ask HTM: Christa is investing like gangbuters. But her savings are paltry!
The stock market has experienced greater levels of volatility recently. That's causing folks to tinker with their portfolios more! Be careful, that can come back to bite you.
Ask HTM:...
Ask HTM: Josh has an exciting investment opportunity he's keen on - buying land. There are some real pros and cons to consider first!
College degrees don't make quite as much financial sense these days. BUT, some universities are making a higher education tuition free for many families.
Jamie wants to put money in a 529 plan. But she lives in Missi...
Ask HTM: Nancy wants to know what to do after being laid off by DOGE cuts.
Southwest is going to start charging for checked bags. Say it ain't so!
Ask HTM: Chris wants to know if she should stick with being a landlord or not.
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: 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 compan...
Ask HTM: Greg wants to know if the taxable brokerage account is a worthwhile investment vehicle for his retirement goals.
We're getting an 'affordability czar'! But will it make a difference in prices for consumers? Ultimately, we all need to be our own affordability czars.
Ask HTM: A listener wants the best money-savi...
Ask HTM: Austin wants to know if he should be using cash back or travel rewards credit cards.
A CNET article talks about the secondary benefits of credit cards. Don't forget about the other ways choosing the right card can be financially beneficial! Also, are health sharing plans good or bad? The answer is somewhere in the middle.
Ask HTM: David inv...
Ask HTM: Sarah wants to buy a home and is trying to figure out the best way to do that in the coming years.
A new report just came out highlighting the worst places to borrow money. Stay away from these debt purveyors!
Ask HTM: Can you check your credit score for free? (yes, but watch out for pitfalls)
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