Joel just ran his first marathon, but it's amazing how much money people are spending on what has been such a simple hobby! HTM listener Katie has a question about how to calculate her savings rate.

Plus, the more money you have, the harder it gets to manage.

Also, a HTM listener wants to use a recent settlement to boost his retirement savings.

Joel just ran his first marathon, but it's amazing how much money people are spending on what has been such a simple hobby! HTM listener Katie has a question about how to calculate her savings rate. Plus, the more money you have, the harder it gets to manage. Also, a HTM listener wants to use a recent settlement to boost his retirement savings.

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.

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 <a href="https://www.howtomoney.com/category/episodes/" target="_blank" rel="noreferrer noopener">podcast</a> &amp; <a href="https://www.howtomoney.com/" target="_blank" rel="noreferrer noopener">website</a> providing the knowledge &amp; tools that normal folks need to thrive in areas like <a href="https://www.howtomoney.com/the-real-reason-to-avoid-debt/" target="_blank" rel="noreferrer noopener">debt payoff</a>, <a href="https://www.howtomoney.com/investing-in-a-volatile-market/" target="_blank" rel="noreferrer noopener">DIY investing</a>, &amp; <a href="https://www.howtomoney.com/mind-altering-effects-of-simple-money-tricks/" target="_blank" rel="noreferrer noopener">crucial money tricks</a> 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.

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...

How To Money

Joel just ran his first marathon, but it's amazing how much money people are spending on what has been such a simple hobby! HTM listener Katie has a question about how to calculate her savings rate.

Plus, the more money you have, the harder it gets...

Joel Ran His First Marathon!

https://api.omny.fm/orgs/98a2599f-cd9b-4f2a-9be4-b22c00e585f2/clips/599a5d1b-7ed9-44e9-a743-b383000befaa/transcript

Hour 1: HSAs access is growing. Also, dollar stores are in trouble for regularly overcharging customers.
Ask HTM: Paul wants to know if he should pay off his mortgage or invest instead.
Target date funds are getting more complex and less appealing.
Ask HTM: Mary wants to know about more efficient ways to give to her church.

Hour 1: HSAs access is growing. Also, dollar stores are in trouble for regularly overcharging customers. Ask HTM: Paul wants to know if he should pay off his mortgage or invest instead. Target date funds are getting more complex and less appealing. Ask HTM: Mary wants to know about more efficient ways to give to her church.

Investments and Money Efficiency

https://api.omny.fm/orgs/98a2599f-cd9b-4f2a-9be4-b22c00e585f2/clips/fbcd125b-2af8-4902-bd36-b3c001447725/transcript

Hour 2: Many real estate investors are finding themselves in a tight spot right now as market conditions soften.
Ask HTM: Rajet might need to move back to India to take care of his parents. How should he prepare financially?
The gamblification of America is getting worse, including supposed '100% cash back credit cards.' Matt and Joel issue a warning.
Ask HTM: Ethan wants to know if he should opt for a Roth or traditional account.

Hour 2: Many real estate investors are finding themselves in a tight spot right now as market conditions soften. Ask HTM: Rajet might need to move back&nbsp;to India to take care of his parents. How should he prepare financially? The gamblification of America is getting&nbsp;worse, including supposed '100% cash back credit cards.' Matt and Joel issue a warning. Ask HTM: Ethan wants to know if he should opt for a Roth or traditional account.

"Gamblification" Is Getting Worse

https://api.omny.fm/orgs/98a2599f-cd9b-4f2a-9be4-b22c00e585f2/clips/6c2e1b6f-b5b5-48b9-8605-b3c001449e7d/transcript

Ask HTM: Max wants to know how much of a down payment to put down when buying a home.
Trump accounts are here! Matt and Joel parse the details about how to get the free $1k and whether these accounts make sense for other families. 
Ask HTM: Question about antics he experienced when buying a car.

Ask HTM: Max wants to know how much of a down payment to put down when buying a home. Trump accounts are here! Matt and Joel parse the details about how to get the free $1k and whether these accounts make sense for other families.&nbsp; Ask HTM: Question about antics he experienced when buying a car.

What did the Black Friday/Cyber Monday trends look like? Also, be aware of store return policies!

https://api.omny.fm/orgs/98a2599f-cd9b-4f2a-9be4-b22c00e585f2/clips/f68f9511-da0d-4c72-9af8-b3ac014d9659/transcript

Joel Ran His First Marathon!

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