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:
OK to take a call while on a plane?!
More HSA auto-enrollment than ever
Evidently Matt likes 401k loans now
Tempting TIPS
Sticky Shrugflation
Higher inflation and higher bond yields
ARMs as an option
VantageScore 4.0 to get your mortgage rate down
Subprime struggles
Fuel efficient sales are up
Overblown EV battery degradation
Amateurish AI agents

 

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"><a href="https://www.wsj.com/lifestyle/travel/the-latest-nuisance-on-flights-is-a-zoom-call-at-30-000-feet-af093074?utm_source=substack&amp;utm_medium=email">OK to take a call while on a plane?!</a></li>
<li aria-level="1"><a href="https://finance.yahoo.com/healthcare/article/employers-are-auto-enrolling-workers-in-hsas--just-like-401ks-095400659.html?.tsrc=372&amp;ncid=crm_-2319436-20260924-1--A&amp;bt_user_id=1K1xPJITs8iUpExoYLks/lEgmjcd6RZo1lb1zM8vYgoU8zZ0U+LhCub4Ajz4zk5eDzGGfphNNWUve2otKha0Y2T3ipq82iK9c+Kib2s3xw4BZRF8a31tIKIr1dtinFdc&amp;bt_ts=1790244166733">More HSA auto-enrollment than ever</a></li>
<li aria-level="1"><a href="https://abcnews.com/Business/401k-pay-off-credit-card-debt/story?id=137002410">Evidently Matt likes 401k loans now</a></li>
<li aria-level="1"><a href="https://www.morningstar.com/news/marketwatch/2026072556/a-generational-buying-opportunity-guarantees-inflation-plus-3-a-year-says-this-hedge-fund-manager">Tempting TIPS</a></li>
<li aria-level="1"><a href="https://kyla.substack.com/p/the-shrugflation-triangle-how-ai">Sticky Shrugflation</a></li>
<li aria-level="1"><a href="https://www.cnbc.com/2026/10/14/high-inflation-fed-expectations.html">Higher inflation</a> and <a href="https://www.marketwatch.com/story/rising-bond-yields-and-higher-inflation-leave-the-fed-trapped-in-a-rate-hike-dilemma-d34ba326">higher bond yields</a></li>
<li aria-level="1"><a href="https://www.cnbc.com/2026/10/13/arm-mortgage-borrowers-rate-adjustment.html">ARMs as an option</a></li>
<li aria-level="1"><a href="https://www.wsj.com/personal-finance/mortgages/the-simple-request-that-could-lower-your-mortgage-rate-9c4ddc2e?mod=mhp">VantageScore 4.0 to get your mortgage rate down</a></li>
<li aria-level="1"><a href="https://www.bloomberg.com/graphics/2026-subprime-auto-modifications/">Subprime struggles</a></li>
<li aria-level="1"><a href="https://www.cnn.com/2026/10/02/business/q3-us-car-sales-hybrid">Fuel efficient sales are up</a></li>
<li aria-level="1"><a href="https://www.ft.com/content/366b7ca1-e6a6-4990-ac3f-073f1355272f?syn-25a6b1a6=1">Overblown EV battery degradation</a></li>
<li aria-level="1"><a href="https://www.wsj.com/tech/ai/ai-agents-assistants-shopping-chat-errors-a316d3f9?mod=mhp">Amateurish AI agents</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>
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

Friday Flight - Tempting TIPS, Sticky Shrugflation, & Subprime Struggles #1206

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/c7a4d366-3778-4103-8007-b4e401503f63/transcript