This week on the pod we’re answering your questions! 1 - I’m moving to the beach, should I keep my current house as a rental or sell it? 2 - When applying for credit cards, what do I put as my income if I have irregular or unearned income? 3 - What should you keep in mind if considering bankruptcy? 4 - Instead of having an escrow account with my mortgage company, should I save the money myself? 5 - My sister is in college- where can she start investing money in a Roth account?

And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask

During this episode we enjoyed a Moku Imperial IPA by Lanikai Brewing Co- a big thanks to Cody in Hawaii for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

 Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

This week on the pod we’re answering your questions! 1 - I’m moving to the beach, should I keep my current house as a rental or sell it? 2 - When applying for credit cards, what do I put as my income if I have irregular or unearned income? 3 - What should you keep in mind if considering bankruptcy? 4 - Instead of having an escrow account with my mortgage company, should I save the money myself? 5 - My sister is in college- where can she start investing money in a Roth account?And if you have a question for us, we’d love for you to submit your own via <a href="https://www.howtomoney.com/ask/">HowToMoney.com/ask</a>During this episode we enjoyed a Moku Imperial IPA by Lanikai Brewing Co- a big thanks to Cody in Hawaii for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in <a href="https://podcasts.apple.com/us/podcast/how-to-money/id1337718773?mt=2">Apple Podcasts</a> or wherever you get your podcasts- we’d love to hear from you.Best friends out! Learn more about your ad-choices at <a href="https://www.iheartpodcastnetwork.com">https://www.iheartpodcastnetwork.com</a>

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 - Long Distance Landlording, Pros and Cons to Bankruptcy, and Getting My 20 Year Old Sister Investing #116

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/1c3fad87-720c-4afe-ab3e-ae32003c1233/transcript

Financial caregiving is coming for you, whether you like it or not. Rich or poor. Married or single. Famous or anonymous. At some point, someone we love is likely to need us to step in and help care for them. And taking them to a doctor’s appointment is just the tip of the iceberg. Because when someone you love starts to need care, their financial life can very quickly become your financial problem, too. Bills. Bank accounts. Insurance. Investments. Long-term care. Even the question of who gets to make decisions when they can’t make them for themselves. You can put your fingers in your ears and hope you never have to deal with it. Or you can do something that’s much less painful: start preparing before there’s a crisis. We’re joined by Beth Pinsker and her new book, My Mother’s Money, is part memoir and part practical guide to navigating the financial realities of caring for an aging parent. We discuss:
The impact of celebrity deaths on estate planning awareness
Beth's insights on fighting for proper healthcare and rehab stays
Using savings, insurance, and safety nets for long-term care
When and how to have tough conversations about aging and finances
The importance of community, connection, and proactive planning
Practical advice for digital legacy and online account access
Lessons learned from caring for her mother that changed her perspective
And much more!

Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances:
Cashback credit cards: 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!

Financial caregiving is coming for you, whether you like it or not. Rich or poor. Married or single. Famous or anonymous. At some point, someone we love is likely to need us to step in and help care for them. And taking them to a doctor&rsquo;s appointment is just the tip of the iceberg. Because when someone you love starts to need care, their financial life can very quickly become your financial problem, too. Bills. Bank accounts. Insurance. Investments. Long-term care. Even the question of who gets to make decisions when they can&rsquo;t make them for themselves. You can put your fingers in your ears and hope you never have to deal with it. Or you can do something that&rsquo;s much less painful: start preparing before there&rsquo;s a crisis. We&rsquo;re joined by Beth Pinsker and her new book, My Mother&rsquo;s Money, is part memoir and part practical guide to navigating the financial realities of caring for an aging parent. We discuss:
<ul>
<li aria-level="1">The impact of celebrity deaths on estate planning awareness</li>
<li aria-level="1">Beth's insights on fighting for proper healthcare and rehab stays</li>
<li aria-level="1">Using savings, insurance, and safety nets for long-term care</li>
<li aria-level="1">When and how to have tough conversations about aging and finances</li>
<li aria-level="1">The importance of community, connection, and proactive planning</li>
<li aria-level="1">Practical advice for digital legacy and online account access</li>
<li aria-level="1">Lessons learned from caring for her mother that changed her perspective</li>
<li aria-level="1">And much more!</li>
</ul>
Can&rsquo;t get enough How To Money? Here are some additional ways to get ahead with your personal finances:
<ul>
<li aria-level="1">Cashback credit cards: Check out <a href="https://go.nextcard.com/tkfe5ek-htmpodcast">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>
<ul>
<li aria-level="2">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>
</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!

The Money Convos You Need to Have With Your Parents w/ Beth Pinsker #1193

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/3f9b91f7-3edd-434a-903a-b4aa01254833/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 - Forging family values: what are some exercises my wife and I can practice to get on the same financial page? (Check out the HTM Money Mission Statement)

2 - Trump accounts: is this really free money and should my extended family contribute to this account?

3 - 401k rollover: should I keep ‘em separated, or combine my 401k accounts into a singular easy to manage login?

4 - Savings rate calculations: do I include my employer contribution or just keep to my own personal savings rate?

5 - Bathroom remodel: what are the best ways to pay for it to optimize rewards, cashback, and discounts?!

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE!
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.

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 - Forging family values: what are some exercises my wife and I can practice to get on the same financial page? (Check out the <a href="https://drive.google.com/file/d/1IhrgSguUq7A3-5OoqF8-0XaX65M2ixyc/view">HTM Money Mission Statement)</a>
2 - Trump accounts: is this really free money and should my extended family contribute to this account?
3 - 401k rollover: should I keep &lsquo;em separated, or combine my 401k accounts into a singular easy to manage login?
4 - Savings rate calculations: do I include my employer contribution or just keep to my own personal savings rate?
5 - Bathroom remodel: what are the best ways to pay for it to optimize rewards, cashback, and discounts?!
&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">YouTube: You thought you&rsquo;d never see it&hellip; the <a href="https://www.youtube.com/@HowToMoneyPod">How To Money channel over on YouTube</a> - LIKE and SUBSCRIBE!</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">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>
<ul>
<li aria-level="2">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>
</ul>
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 - Affordable Bathroom Reno, Forging Family $ Values, and Trump Account Scam? #1192

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/aeefb4c6-74d8-4e51-8c21-b4b70159738d/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:
Foldable iPhone Duo
$5k dividend checks
529 hacking
Hollowed-out home ec
Post-penny economy
Gen Zers carrying balances
Are platinum cards worth it?
Bogus investment advisors
Sucky stock/poor pickers
Hot cars under $20k (hint: probably a Toyota or Honda)
New Rav4 turning heads
Gas prices
Hypermiling to 83 mpg

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
YouTube: You thought you’d never see it… the How To Money channel over on YouTube - LIKE and SUBSCRIBE!
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">Foldable iPhone Duo</li>
<li aria-level="1">$5k dividend checks</li>
<li aria-level="1"><a href="https://www.bloomberg.com/news/features/2026-08-27/roth-ira-savers-are-hacking-529-accounts-into-a-wealth-building-tool">529 hacking</a></li>
<li aria-level="1"><a href="https://commongoodmag.com/home-ec-in-this-economy/?">Hollowed-out home ec</a></li>
<li aria-level="1"><a href="https://www.cnbc.com/2026/08/26/cash-rounding-credit-card-surcharges-penny-production-ends.html">Post-penny economy</a></li>
<li aria-level="1"><a href="https://www.cnbc.com/2026/08/27/this-is-one-of-the-worst-credit-card-habits-41percent-of-cardholders-do-it.html">Gen Zers carrying balances</a></li>
<li aria-level="1"><a href="https://www.wsj.com/personal-finance/high-end-credit-cardholders-find-its-harder-to-get-their-moneys-worth-b10d3bc7?mod=hp_lead_pos4">Are platinum cards worth it?</a></li>
<li aria-level="1"><a href="https://www.barrons.com/advisor/articles/sec-charges-38-investment-advisor-firms-with-bogus-filings-90dadadb?mod=hp_BARRONSADVISOR_1">Bogus investment advisors</a></li>
<li aria-level="1"><a href="https://www.wsj.com/finance/investing/stock-picking-funds-are-performing-as-poorly-as-ever-fee28e30?mod=mhp">Sucky stock/poor pickers</a></li>
<li aria-level="1"><a href="https://www.cnbc.com/2026/09/01/used-cars-under-20000-sell-quickly-tradeoffs.html">Hot cars under $20k (hint: probably a Toyota or Honda)</a></li>
<li aria-level="1"><a href="https://www.cnbc.com/2026/09/01/toyota-rav4-dealer-inventory.html">New Rav4 turning heads</a></li>
<li aria-level="1"><a href="https://www.wsj.com/business/energy-oil/record-fuel-prices-pose-fresh-challenge-for-trump-ahead-of-midterms-fb433718">Gas prices</a></li>
<li aria-level="1"><a href="https://archive.ph/jc6YY">Hypermiling to 83 mpg</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">YouTube: You thought you&rsquo;d never see it&hellip; the <a href="https://www.youtube.com/@HowToMoneyPod">How To Money channel over on YouTube</a> - LIKE and SUBSCRIBE!</li>
<li aria-level="1">Credit card perks: Check out <a href="https://go.nextcard.com/tkfe5ek-htmpodcast">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>
<ul>
<li aria-level="2">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>
</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&nbsp;<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 - 529 Hacking, Hollowed-Out Home Ec, & Sucky Stock Pickers #1191

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/be707a06-6efc-456c-bbb9-b4c1013ec193/transcript

Ask HTM - Long Distance Landlording, Pros and Cons to Bankruptcy, and Getting My 20 Year Old Sister Investing #116

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