Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!

1 - Is filing for bankruptcy the best option considering overwhelming amounts of debt?

2 - Should I have multiple high yield savings accounts if my cash on hand exceeds the FDIC limit?

3 - What options does my husband have to invest as he waits on his US citizenship?

4 - Would a HELOC be a smart way to pay off some credit card debt?

5 - Will filing an insurance claim for my cracked windshield cause my premiums to go up?

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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 Heineken Silver! 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!