We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

 

1 - Student loans: what can I do to avoid being in student loans for the rest of my life?!

2 - Lower income, higher net worth: should I be nervous that our monthly spending is more than what we’re bringing in?

3 - Self employed: if I would like to save more should I invest more dollars into my brokerage account or is there a better option?

4 - Amazon: can I still use my Fire TV if I cancel my Amazon Prime membership?

5 - Small business: what are the best business savings accounts available today?

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Money Gears: knowing what to do with your money is crucial to your personal finance journey.
MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

 

During this episode we enjoyed a Porter by Incendiary Brewing - a huge thanks to Brandon for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

 

Best friends out!

We&rsquo;re kicking off the week by answering your listener questions! And if you have a question that you&rsquo;d like for us to answer on the show, we&rsquo;d love for you to submit your own via <a href="https://www.howtomoney.com/ask/">HowToMoney.com/ask</a> , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!
&nbsp;
1 - Student loans: what can I do to avoid being in student loans for the rest of my life?!
2 - Lower income, higher net worth: should I be nervous that our monthly spending is more than what we&rsquo;re bringing in?
3 - Self employed: if I would like to save more should I invest more dollars into my brokerage account or is there a better option?
4 - Amazon: can I still use my Fire TV if I cancel my Amazon Prime membership?
5 - Small business: what are the best business savings accounts available today?
&nbsp;
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
<ul>
<li aria-level="1">Credit card perks: Check out <a href="https://go.nextcard.com/shau19-htmomny">our favorite credit cards</a> that we use to maximize rewards and optimize our spending.</li>
<li aria-level="1">Other money nerds: Find a thriving community of fellow money nerds by joining the <a href="https://www.facebook.com/groups/1623670287732189">HTM Facebook group!</a></li>
<li aria-level="1">Newsletter: Sign up for the weekly <a href="https://www.howtomoney.com/newsletter/">HTM newsletter</a>. It&rsquo;s fun, free, &amp; practical.</li>
<li aria-level="1">Money Gears: knowing <a href="https://www.howtomoney.com/start-here/">what to do with your money</a> is crucial to your personal finance journey.</li>
<li aria-level="1">MG7: and maybe you&rsquo;re well on your way to financial independence but you&rsquo;re looking for some financial reassurance, that&rsquo;s when heading over to <a href="http://www.howtomoney.com/advisor">HowToMoney.com/Advisor</a> and getting matched with a highly vetted financial advisor makes sense.</li>
</ul>
&nbsp;
During this episode we enjoyed a Porter by Incendiary Brewing - a huge thanks to Brandon for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you&rsquo;re not already a regular listener, and <a href="https://podcasts.apple.com/us/podcast/how-to-money/id1337718773?mt=2">give us a quick review in Apple Podcasts</a> or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!
&nbsp;
Best friends out!

Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living a rich life.

How to Money

Ask HTM - High Net Worth but still Paycheck to Paycheck, Better Investing for Freelancers, & the Necessity of Amazon Prime #1105

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/67c13d51-0639-4e27-a8e0-b3f601116756/transcript

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like:
401k mullets and quarter-zips
Don’t sleep on the solo 401k
Crappy coffee
Surveillance pricing
1.3 trillion in credit card debt
High income earners are delinquent too
Collections dos and don’ts
Pets are family
The going babysitting hourly rate
Gray-shaped economy
Gamble on anything and everything
Bitcoin bashing

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Money Gears: knowing what to do with your money is crucial to your personal finance journey.
MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

 

And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

 

Best friends out!

Time for a Friday Flight- our little sampling of the week&rsquo;s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like:
<ul>
<li aria-level="1"><a href="https://www.cnbc.com/2026/02/07/401k-mullet-quarter-zip-economy.html">401k mullets and quarter-zips</a></li>
<li aria-level="1"><a href="https://nypost.com/2026/01/23/business/wall-street-plays-catch-up-on-solo-401ks-as-self-employment-surges/">Don&rsquo;t sleep on the solo 401k</a></li>
<li aria-level="1"><a href="https://www.washingtonpost.com/climate-environment/2026/02/10/how-change-way-you-make-coffee-improve-your-life-forever/?">Crappy coffee</a></li>
<li aria-level="1"><a href="https://talkerresearch.com/surveillance-pricing-major-turnoff-for-majority-of-americans/">Surveillance pricing</a></li>
<li aria-level="1"><a href="https://finance.yahoo.com/personal-finance/personal-loans/article/credit-card-debt-hits-record-128-trillion-heres-why--and-how-to-get-ahead-of-it-185626113.html?.tsrc=372&amp;ncid=crm_-1979249-20260212-1--A&amp;bt_user_id=Socc0rDSZ2JKgHJHXzeRqlWgarISvoNO1TiAdaHZGN6sXPf7v3BV9FwZmbwSXMymR%2FPzF%2BAbBOx7rvsHW3zQr7QQvUEArath9jw3IN5GgQr9MBsgZtTzqXFqUMqDsxbF&amp;bt_ts=1770894280460">1.3 trillion in credit card debt</a></li>
<li aria-level="1"><a href="https://www.wsj.com/personal-finance/americans-with-higher-incomes-are-starting-to-fall-behind-on-payments-472d3a24?mod=hp_lead_pos7">High income earners are delinquent too</a></li>
<li aria-level="1"><a href="https://consumer.ftc.gov/consumer-alerts/2026/02/debt-collection-know-your-rights-avoid-scams?">Collections dos and don&rsquo;ts</a></li>
<li aria-level="1"><a href="https://www.washingtonpost.com/business/2026/01/24/tax-return-filing-dogs-cats-dependents/">Pets are family</a></li>
<li aria-level="1"><a href="https://blog.urbansitter.com/babysitting-rates/">The going babysitting hourly rate</a></li>
<li aria-level="1"><a href="https://www.axios.com/2026/02/12/jobs-report-health-care-boomers">Gray-shaped economy</a></li>
<li aria-level="1"><a href="https://www.cnbc.com/2026/02/11/prediction-markets-head-into-basketball-season-after-super-bowl-high-from-super-bowl.html">Gamble on anything and everything</a></li>
<li aria-level="1"><a href="https://www.thefp.com/p/why-bitcoin-is-crashing">Bitcoin bashing</a></li>
</ul>
&nbsp;
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
<ul>
<li aria-level="1">Credit card perks: Check out <a href="https://go.nextcard.com/shau19-htmomny">our favorite credit cards</a> that we use to maximize rewards and optimize our spending.</li>
<li aria-level="1">Other money nerds: Find a thriving community of fellow money nerds by joining the <a href="https://www.facebook.com/groups/1623670287732189">HTM Facebook group!</a></li>
<li aria-level="1">Newsletter: Sign up for the weekly <a href="https://www.howtomoney.com/newsletter/">HTM newsletter</a>. It&rsquo;s fun, free, &amp; practical.</li>
<li aria-level="1">Money Gears: knowing <a href="https://www.howtomoney.com/start-here/">what to do with your money</a> is crucial to your personal finance journey.</li>
<li aria-level="1">MG7: and maybe you&rsquo;re well on your way to financial independence but you&rsquo;re looking for some financial reassurance, that&rsquo;s when heading over to <a href="http://www.howtomoney.com/advisor">HowToMoney.com/Advisor</a> and getting matched with a highly vetted financial advisor makes sense.</li>
</ul>
&nbsp;
And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you&rsquo;re not already a regular listener, and <a href="https://podcasts.apple.com/us/podcast/how-to-money/id1337718773?mt=2">give us a quick review in Apple Podcasts</a> or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!
&nbsp;
Best friends out!

Friday Flight - 401k Mullets, Crappy Coffee, & Bitcoin Bashing #1104

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/70533ae9-628c-44fa-9abf-b3f6010ad193/transcript

How often do you stop to consider that your hormones might be the ones clicking "Add to Cart"? We like to pretend money is just logic and spreadsheets, but let’s be real: it’s emotional, it’s messy, and it’s never just about the numbers. If you’re tired of carrying the weight of old financial mistakes or wondering why you’re stuck in the same self-sabotaging loops, this episode is your manual for a reset. Today, we’re joined by Shannah Game, a CFP and Money Therapist who bridges the gap between your brain and your bank account. Get ready to ditch the shame, kill the stress, and finally build a relationship with money that actually feels good. Today we discuss: 
How even successful folks feel stressed about their money
Importance of communication with your parter
Understanding and enjoying the financial journey in addition to goals
Identifying ‘enough’
Recognizing the ways you’re crushing it
Financial growth accompanied by emotional growth
Impact of your finances on your overall well-being
And much more!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
Shannah: Find everything “Shannah” at her site, HeyShannah.com, including her book Unraveling Your Relationship With Money.
Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
Money Gears: Knowing what to do with your money is crucial to your personal finance journey.
Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!

 

And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

 

Best friends out!

How often do you stop to consider that your hormones might be the ones clicking "Add to Cart"? We like to pretend money is just logic and spreadsheets, but let&rsquo;s be real: it&rsquo;s emotional, it&rsquo;s messy, and it&rsquo;s never just about the numbers. If you&rsquo;re tired of carrying the weight of old financial mistakes or wondering why you&rsquo;re stuck in the same self-sabotaging loops, this episode is your manual for a reset. Today, we&rsquo;re joined by Shannah Game, a CFP and Money Therapist who bridges the gap between your brain and your bank account. Get ready to ditch the shame, kill the stress, and finally build a relationship with money that actually feels good. Today we discuss:&nbsp;
<ul>
<li aria-level="1">How even successful folks feel stressed about their money</li>
<li aria-level="1">Importance of communication with your parter</li>
<li aria-level="1">Understanding and enjoying the financial journey in addition to goals</li>
<li aria-level="1">Identifying &lsquo;enough&rsquo;</li>
<li aria-level="1">Recognizing the ways you&rsquo;re crushing it</li>
<li aria-level="1">Financial growth accompanied by emotional growth</li>
<li aria-level="1">Impact of your finances on your overall well-being</li>
<li aria-level="1">And much more!</li>
</ul>
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
<ul>
<li aria-level="1">Shannah: Find everything &ldquo;Shannah&rdquo; at her site, <a href="http://heyshannah.com/">HeyShannah.com</a>, including her book <a href="https://amzn.to/4aTFhIS">Unraveling Your Relationship With Money.</a></li>
<li aria-level="1">Credit card perks: Check out <a href="https://go.nextcard.com/shau19-htmomny">our favorite credit cards</a> that we use to maximize rewards and optimize our spending.</li>
<li aria-level="1">Money Gears: Knowing <a href="https://www.howtomoney.com/start-here/">what to do with your money</a> is crucial to your personal finance journey.</li>
<li aria-level="1">Newsletter: Sign up for the weekly <a href="https://www.howtomoney.com/newsletter/">HTM newsletter</a>. It&rsquo;s fun, free, &amp; practical.</li>
<li aria-level="1">Other money nerds: Find a thriving community of fellow money nerds by joining the <a href="https://www.facebook.com/groups/1623670287732189">HTM Facebook group!</a></li>
</ul>
&nbsp;
And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you&rsquo;re not already a regular listener, and <a href="https://podcasts.apple.com/us/podcast/how-to-money/id1337718773?mt=2">give us a quick review in Apple Podcasts</a> or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!
&nbsp;
Best friends out!

Why Being “Good With Money” Still Feels So Hard w/ Shannah Game #1103

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/7ec748ad-6c9f-4ef0-8052-b3f401177b81/transcript

We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

 

1 - Collections: Is waiting for my unexpected medical bill to head to collections a good or great strategy?

2 - Student loans: What should I do while my student loans are in administrative forbearance?

3 - HSA: Will I be able to reimburse myself for kid medical expenses off in the future when they have their own insurance?

4 - Preggo: After Money Gear 7, what should be our next top priority since we’re now expecting a baby this summer?

5 - Infidelity: What do I do about the secret debt my wife racked up over the holidays?

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Money Gears: knowing what to do with your money is crucial to your personal finance journey.
MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

 

During this episode we enjoyed a Vienna Lager by Incendiary Brewing - a huge thanks to Brandon for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

 

Best friends out!

We&rsquo;re kicking off the week by answering your listener questions! And if you have a question that you&rsquo;d like for us to answer on the show, we&rsquo;d love for you to submit your own via <a href="https://www.howtomoney.com/ask/">HowToMoney.com/ask</a> , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!
&nbsp;
1 - Collections: Is waiting for my unexpected medical bill to head to collections a good or great strategy?
2 - Student loans: What should I do while my student loans are in administrative forbearance?
3 - HSA: Will I be able to reimburse myself for kid medical expenses off in the future when they have their own insurance?
4 - Preggo: After Money Gear 7, what should be our next top priority since we&rsquo;re now expecting a baby this summer?
5 - Infidelity: What do I do about the secret debt my wife racked up over the holidays?
&nbsp;
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
<ul>
<li aria-level="1">Credit card perks: Check out <a href="https://go.nextcard.com/shau19-htmomny">our favorite credit cards</a> that we use to maximize rewards and optimize our spending.</li>
<li aria-level="1">Other money nerds: Find a thriving community of fellow money nerds by joining the <a href="https://www.facebook.com/groups/1623670287732189">HTM Facebook group!</a></li>
<li aria-level="1">Newsletter: Sign up for the weekly <a href="https://www.howtomoney.com/newsletter/">HTM newsletter</a>. It&rsquo;s fun, free, &amp; practical.</li>
<li aria-level="1">Money Gears: knowing <a href="https://www.howtomoney.com/start-here/">what to do with your money</a> is crucial to your personal finance journey.</li>
<li aria-level="1">MG7: and maybe you&rsquo;re well on your way to financial independence but you&rsquo;re looking for some financial reassurance, that&rsquo;s when heading over to <a href="http://www.howtomoney.com/advisor">HowToMoney.com/Advisor</a> and getting matched with a highly vetted financial advisor makes sense.</li>
</ul>
&nbsp;
During this episode we enjoyed a Vienna Lager by Incendiary Brewing - a huge thanks to Brandon for donating this one to the show! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you&rsquo;re not already a regular listener, and <a href="https://podcasts.apple.com/us/podcast/how-to-money/id1337718773?mt=2">give us a quick review in Apple Podcasts</a> or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!
&nbsp;
Best friends out!

Ask HTM - Student Loans in Administrative Forbearance, Intentionally Entering into Collections, and Financial Infidelity #1102

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/11262ea4-b174-487b-a856-b3e8016d333f/transcript

Ask HTM - High Net Worth but still Paycheck to Paycheck, Better Investing for Freelancers, & the Necessity of Amazon Prime #1105

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