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:
Mr. Beast meme coin
The Lipstick Effect
Non-negotiable travel
Travel as a work perk
Stretching your dollar with Goodwill
Vanguard making your investments more affordable
You’re now taking on nondiversification risk
Gold and silver tanks
In-car advertisements
Less Model X more Optimus
Affordable car insurance for FSD
Moving to lower COL states
DIY solar

 

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://phantom.com/tokens/solana/2k8yZaJjf61unHriuqdmvbxe7CUhEYML5kVJDbcotKjU">Mr. Beast meme coin</a></li>
<li aria-level="1"><a href="https://archive.is/bTrPP">The Lipstick Effect</a></li>
<li aria-level="1"><a href="https://www.usatoday.com/story/travel/2026/01/28/over-half-of-americans-are-slashing-their-budgets-to-afford-trips/88302202007/">Non-negotiable travel</a></li>
<li aria-level="1"><a href="https://www.wsj.com/lifestyle/careers/employee-appreciation-cash-bonus-vacation-time-c404c632?mod=hp_jr_pos1">Travel as a work perk</a></li>
<li aria-level="1"><a href="https://www.nytimes.com/2026/01/26/business/goodwill-sales-economy.html?smid=nytcore-android-share">Stretching your dollar with Goodwill</a></li>
<li aria-level="1"><a href="https://www.wsj.com/finance/investing/vanguard-slashes-fees-again-this-time-on-a-quarter-of-its-funds-ec968a30?mod=lead_feature_below_a_pos1">Vanguard making your investments more affordable</a></li>
<li aria-level="1"><a href="https://www.nytimes.com/2026/01/30/business/stock-market-concentration-risk.html?">You&rsquo;re now taking on nondiversification risk</a></li>
<li aria-level="1"><a href="https://www.wsj.com/finance/commodities-futures/gold-and-silver-plunge-in-worst-day-since-1980-df812b73?mod=hp_listc_pos2">Gold and silver tanks</a></li>
<li aria-level="1"><a href="https://sherwood.news/business/the-rise-of-in-car-ads-automakers-now-view-infotainment-screens-as-huge/">In-car advertisements</a></li>
<li aria-level="1"><a href="https://sherwood.news/tech/tesla-to-stop-making-model-s-and-model-x-next-quarter-to-pivot-to-optimus/">Less Model X more Optimus</a></li>
<li aria-level="1"><a href="https://www.lemonade.com/investor/news/lemonade-unveils-autonomous-car-insurance-slashing-rates-for-tesla-fsd-miles-by-50">Affordable car insurance for FSD</a></li>
<li aria-level="1"><a href="https://www.usatoday.com/story/money/personalfinance/2026/02/01/pay-increases-outpace-inflation-states/88370595007/">Moving to lower COL states</a></li>
<li aria-level="1"><a href="https://www.latimes.com/environment/story/2026-02-02/to-lower-electric-bills-consumers-quietly-install-diy-solar">DIY solar</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!

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 - ‘The Lipstick Effect’, Cheap Chinese EVs, & DIY Solar #1098

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/361b8684-be55-4ef3-a097-b3e80149ccb0/transcript