We’re kicking off the week by answering 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 - Should I pay off my car loan early or use that money for a down payment on a house?

2 - Is Goodbill a legit medical bill negotiation site worth trying?

3 - As a travel nurse that doesn’t stay with any hospital all that long, how should I approach investing for retirement?

4 - My buddy thinks it’s weird that I pay $25 for a gym membership so I can shower after my bike commute to work- frugal or cheap?

5 - Is it worth depleting my IRA if I can avoid getting a pricey  mortgage or even reduce the amount that I have to borrow?

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• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Kanazawa Hyakumangoku Pale Ale by Wakuwaku Tezukuri Farm Kawakita- thanks for sending this one our way Julia! 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!