Technology has made it easier than ever to save and invest. But when it comes to giving our money away? Not so much. That’s part of why we have a generosity gap: a lot of people want to give more, but the process can feel joyless, cumbersome, and complicated, especially at tax time. Our guest today is all about changing that perception of philanthropy. What if you could gamify it, make it easier, and even get a little dopamine hit from being generous? That’s something we’ll discuss today with guest Adam Nash, who is the co-founder and CEO of Daffy, our absolute favorite donor-advised fund platform. And we’re not the only ones who are fans: Daffy now has more than $2 billion in charitable assets, just five years after launching! Today we get into:
The state of giving in America
Emotional connections to being more charitable
Proactive and intentional giving
AI in charitable giving
Trends and tax benefits
Understanding fees when it comes to your DAF
Making it fun!
Corporate giving initiatives
The future of DAFs
And much more!

Can’t get enough How To Money? 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!

Technology has made it easier than ever to save and invest. But when it comes to giving our money away? Not so much. That&rsquo;s part of why we have a generosity gap: a lot of people want to give more, but the process can feel joyless, cumbersome, and complicated, especially at tax time. Our guest today is all about changing that perception of philanthropy. What if you could gamify it, make it easier, and even get a little dopamine hit from being generous? That&rsquo;s something we&rsquo;ll discuss today with guest Adam Nash, who is the co-founder and CEO of Daffy, our absolute favorite donor-advised fund platform. And we&rsquo;re not the only ones who are fans: Daffy now has more than $2 billion in charitable assets, just five years after launching! Today we get into:
<ul>
<li aria-level="1">The state of giving in America</li>
<li aria-level="1">Emotional connections to being more charitable</li>
<li aria-level="1">Proactive and intentional giving</li>
<li aria-level="1">AI in charitable giving</li>
<li aria-level="1">Trends and tax benefits</li>
<li aria-level="1">Understanding fees when it comes to your DAF</li>
<li aria-level="1">Making it fun!</li>
<li aria-level="1">Corporate giving initiatives</li>
<li aria-level="1">The future of DAFs</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">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 <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 Smarter Way To Give To Charity w/ Adam Nash #1217

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/d259a809-d268-4d9f-894b-b4e801415e89/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! But first we discuss Matt’s Fidelity fiasco,, but then we get into:

 

1 - Startup stability: when do you know it’s time to part ways or stick with a startup that has good potential?

2 - Donor advised FUN: can I use my DAF to fund my charity goal for a race I’m signed up for?

3 - 401k rollover: I really wants my funds in a Roth IRA so how should I go about it?

4 - Kid insurance: why are my friends getting life insurance policies for their kids?

5 - HYSA trade-offs: should I consider moving our savings over to CIT or Betterment?

 

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!
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! But first we discuss Matt&rsquo;s Fidelity fiasco,, but then we get into:
&nbsp;
1 - Startup stability: when do you know it&rsquo;s time to part ways or stick with a startup that has good potential?
2 - Donor advised FUN: can I use my DAF to fund my charity goal for a race I&rsquo;m signed up for?
3 - 401k rollover: I really wants my funds in a Roth IRA so how should I go about it?
4 - Kid insurance: why are my friends getting life insurance policies for their kids?
5 - HYSA trade-offs: should I consider moving our savings over to CIT or Betterment?
&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">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 – HYSA Handicaps, Donor Advised FUN, & 401k Rollover Tax Triggers #1216

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/bab85621-5089-4749-82be-b4f0013c1ebf/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:
Post-election prognosis
Turnkey turkeys
How much has your electricity bill gone up?!
401kalamity
Paying for pals
Buying businesses for your kids
Healthcare costs eating into your paycheck
All eyes on Dollar General
New gift card scams
And more!

 

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!
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/politics/elections/were-just-fed-up-how-economic-fury-delivered-democratic-sweep-419b898c?mod=hp_5storieswithpix_pos_2">Post-election prognosis</a></li>
<li aria-level="1"><a href="https://www.businessinsider.com/how-walmarts-thanksgiving-menu-compares-with-other-retailers-2026-10?utm_source=Iterable&amp;utm_medium=email&amp;utm_campaign=Business%20Insider%20Today%20%E2%80%94%20October%2029%202026">Turnkey turkeys</a></li>
<li aria-level="1"><a href="https://www.consumerreports.org/utility-bills/?EXTKEY=M6ANX0">How much has your electricity bill gone up?!</a></li>
<li aria-level="1"><a href="https://www.businessinsider.com/post/preview?stories&amp;post_id=6adf1d85f8bb17e2c465a5f3&amp;bust-capi=&amp;skip_transform=true&amp;utm_source=Iterable&amp;utm_medium=email&amp;utm_campaign=Business%20Insider%20Today%20-%20October%2027%202026">401kalamity</a></li>
<li aria-level="1"><a href="https://www.nytimes.com/2026/10/26/business/friendship-apps.html">Paying for pals</a></li>
<li aria-level="1"><a href="https://www.barrons.com/advisor/articles/wealth-transfer-entrepreneurs-buying-business-children-bb3ebcba?st=HG2YBz&amp;reflink=desktopwebshare_permalink">Buying businesses for your kids</a></li>
<li aria-level="1"><a href="https://www.axios.com/2026/10/30/health-care-wages-employment-cost-index?">Healthcare costs eating into your paycheck</a></li>
<li aria-level="1"><a href="https://www.wsj.com/business/retail/is-dollar-general-charging-too-much-f8e8717f?st=CU4NPE">All eyes on Dollar General</a></li>
<li aria-level="1"><a href="https://www.wsj.com/business/retail/retailers-cracked-down-on-in-store-theft-gift-card-scammers-just-moved-online-b8cd6e79?mod=hp_featst_pos5">New gift card scams</a></li>
<li aria-level="1">And more!</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">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!

Friday Flight - Post-Election Prognosis, Turnkey Turkey, & Paying for Pals #1215

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/69bece41-3741-4b10-a003-b4f9014ee7f7/transcript

Remember those old Christmas movies where somebody would pop into a store at the last minute, grab a gift for a loved one, and everything worked out perfectly? Sure, it’s adorable and a big dose of nostalgia, but in real life, waiting until the last minute is a terrible strategy! You’d have no time to wrap anything, you’d overpay, and all the while you’re super stressed out. But there’s another way Christmas shopping has changed that I think is even more interesting: it’s gone from being a concentrated, predictable expense to something that’s increasingly omnipresent, frictionless, and (worst of all) easy to finance. Too many people aren’t just paying for Christmas late in December, they’re still cleaning up their financial mess well into the next year. We’re joined by Vitaly Pecharsky from Slickdeals to talk about how holiday shopping has changed, what it’s doing to our budgets, and how we can avoid turning Christmas gifts into next year’s financial problem. We specifically discuss: 
Inflation’s impact on holiday budgets
Strategies to win during Black Friday
Good vs great deals
Price matching and refund policies
Gaming consoles and TV shopping
Dynamic pricing in retail
The role of urgency and scarcity in retail marketing
Treat yo self?
Gift cards
And much more!

Can’t get enough How To Money? 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!
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!

Remember those old Christmas movies where somebody would pop into a store at the last minute, grab a gift for a loved one, and everything worked out perfectly? Sure, it&rsquo;s adorable and a big dose of nostalgia, but in real life, waiting until the last minute is a terrible strategy! You&rsquo;d have no time to wrap anything, you&rsquo;d overpay, and all the while you&rsquo;re super stressed out. But there&rsquo;s another way Christmas shopping has changed that I think is even more interesting: it&rsquo;s gone from being a concentrated, predictable expense to something that&rsquo;s increasingly omnipresent, frictionless, and (worst of all) easy to finance. Too many people aren&rsquo;t just paying for Christmas late in December, they&rsquo;re still cleaning up their financial mess well into the next year. We&rsquo;re joined by Vitaly Pecharsky from Slickdeals to talk about how holiday shopping has changed, what it&rsquo;s doing to our budgets, and how we can avoid turning Christmas gifts into next year&rsquo;s financial problem. We specifically discuss:&nbsp;
<ul>
<li aria-level="1">Inflation&rsquo;s impact on holiday budgets</li>
<li aria-level="1">Strategies to win during Black Friday</li>
<li aria-level="1">Good vs great deals</li>
<li aria-level="1">Price matching and refund policies</li>
<li aria-level="1">Gaming consoles and TV shopping</li>
<li aria-level="1">Dynamic pricing in retail</li>
<li aria-level="1">The role of urgency and scarcity in retail marketing</li>
<li aria-level="1">Treat yo self?</li>
<li aria-level="1">Gift cards</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">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">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 New Rules of Christmas Shopping w/ SlickDeals' Vitaly Pecharsky #1214

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/ca00e4e5-13ed-4b08-9e91-b4f1012a75f7/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! But first we debate if Joel is frugal or cheap for sending in his Darn Tough socks, but then we get into:

 

1 - Fully Paid Lending: Vanguard is offering it so should I opt in to make extra on my portfolio?

2 - Capital gains harvesting: my CPA says I can take $40,000 in capital gains and pay no tax… legit?

3 - HSA benefits: I want to make the most of my wife’s health savings account, but is it worth dropping my state provided health coverage?

4 - Debt payoff: what app or formula is best for me to eliminate my debts the most effectively?

5 - Catch-up: should my catch-up contributions be made as pre-tax or post-tax dollars?

 

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! But first we debate if Joel is frugal or cheap for sending in his Darn Tough socks, but then we get into:
&nbsp;
1 - Fully Paid Lending: Vanguard is offering it so should I opt in to make extra on my portfolio?
2 - Capital gains harvesting: my CPA says I can take $40,000 in capital gains and pay no tax&hellip; legit?
3 - HSA benefits: I want to make the most of my wife&rsquo;s health savings account, but is it worth dropping my state provided health coverage?
4 - Debt payoff: what app or formula is best for me to eliminate my debts the most effectively?
5 - Catch-up: should my catch-up contributions be made as pre-tax or post-tax dollars?
&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>
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 - Side Hustles for Your Stocks, Capital Gains Harvesting, & Maxxing HSA Benefits #1213

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/a8f9d2cf-296f-4127-a9d6-b4ef0159d5bc/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:
New delayed flight compensation rules
Expensive holiday flights
Pruning property taxes
Property tax work-off plans
Vibes say “recession”, everything else says “normal”
Midterm madness
Passive income poppycock
Grass is always greener… (in Europe)
Rejected returns
Charity at checkout

 

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!
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.kiplinger.com/personal-finance/travel/new-dot-rule-flight-delay-compensation-harder-to-get?">New delayed flight compensation rules</a></li>
<li aria-level="1"><a href="https://www.wsj.com/business/airlines/brace-yourself-for-the-priciest-holiday-travel-season-in-years-3c355db5?mod=WSJ_home_feature_5_pos_1">Expensive holiday flights</a></li>
<li aria-level="1"><a href="https://www.howtomoney.com/property-tax-exemptions-the-easy-money-most-homeowners-leave-on-the-table/">Pruning property taxes</a></li>
<li aria-level="1"><a href="https://www.kiplinger.com/taxes/older-homeowners-lowering-property-taxes-by-volunteering?">Property tax work-off plans</a></li>
<li aria-level="1"><a href="https://www.theguardian.com/business/2026/oct/15/voters-economy-cost-of-living-prices-poll?">Vibes say &ldquo;recession&rdquo;, everything else says &ldquo;normal&rdquo;</a></li>
<li aria-level="1"><a href="https://www.webull.com/news/15746730646709248?">Midterm madness</a></li>
<li aria-level="1"><a href="https://www.wsj.com/business/the-internet-told-them-owning-a-laundromat-was-easy-money-it-was-anything-but-2ca220c7?mod=mhp">Passive income poppycock</a></li>
<li aria-level="1"><a href="https://www.wired.com/story/they-fled-trumps-america-now-they-regret-it/?">Grass is always greener&hellip; (in Europe)</a></li>
<li aria-level="1"><a href="https://www.wsj.com/video/its-getting-harder-to-return-thingsand-shoppers-are-furious/1450D0A1-81AB-4C0A-9007-C58D45B1E827?mod=mhp">Rejected returns</a></li>
<li aria-level="1"><a href="https://www.wsj.com/finance/investing/donation-pressure-at-checkout-backfire-80b893e3?mod=mhp">Charity at checkout</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">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!

Friday Flight - Pruning Property Taxes, Midterm Madness, & Passive Income Poppycock #1212

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/1ce32d3d-c9f2-4f50-8e72-b4f20132aa21/transcript

We investors like to think we’re rational. We carefully weigh the facts, analyze the fundamentals, and make smart decisions with our money. Except… we’re human. And when it comes to investing, humans can behave a lot more like a herd of wildebeest than a lion stalking its prey. We chase what’s hot, panic when things fall, and routinely get swept up in the mood of the market. Our guest today argues that markets can look like they’re being driven by cold, hard economic fundamentals, when underneath it all, investor sentiment can be pulling the strings. In his new book, The Madness of Markets, Alex Edmans discusses that AND what individual investors can do about it. Alex is a writer, speaker, and professor of finance at London Business School. We discuss:
How sports outcomes can impact market sentiment and stock prices
Investing should be based on personal circumstances and risk tolerance
Corporate culture can be a predictor of company performance
Speculation can be a part of investing, but should be limited
Playing it too safe can lead to significant financial losses
International diversification can protect against domestic downturns
Understanding your own investment psychology is key to success
Investing in the stock market generally yields good returns
And much more!

Can’t get enough How To Money? 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!

We investors like to think we&rsquo;re rational. We carefully weigh the facts, analyze the fundamentals, and make smart decisions with our money. Except&hellip; we&rsquo;re human. And when it comes to investing, humans can behave a lot more like a herd of wildebeest than a lion stalking its prey. We chase what&rsquo;s hot, panic when things fall, and routinely get swept up in the mood of the market. Our guest today argues that markets can look like they&rsquo;re being driven by cold, hard economic fundamentals, when underneath it all, investor sentiment can be pulling the strings. In his new book, <a href="https://amzn.to/4hA3SEO">The Madness of Markets</a>, Alex Edmans discusses that AND what individual investors can do about it. Alex is a writer, speaker, and professor of finance at London Business School. We discuss:
<ul>
<li aria-level="1">How sports outcomes can impact market sentiment and stock prices</li>
<li aria-level="1">Investing should be based on personal circumstances and risk tolerance</li>
<li aria-level="1">Corporate culture can be a predictor of company performance</li>
<li aria-level="1">Speculation can be a part of investing, but should be limited</li>
<li aria-level="1">Playing it too safe can lead to significant financial losses</li>
<li aria-level="1">International diversification can protect against domestic downturns</li>
<li aria-level="1">Understanding your own investment psychology is key to success</li>
<li aria-level="1">Investing in the stock market generally yields good returns</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">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 <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!

Why Smart Investors Make Crazy Decisions w/ Alex Edmans #1211

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/af71f6a5-9f3c-4ffe-bd5d-b4d40138a2ae/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! But first we debate if Joel is frugal or cheap for sending in his Darn Tough socks, but then we get into:

 

1 - Job offer: is it smart to take a job that has lower base pay if the upside potential is better?

2 - Disability insurance: should we consider long-term disability with my wife’s mobility waning?

3 - Child support: how should I allocate a lump-sum child support payment of $55,000?

4 - Pre or post tax: now that I have a Roth 401k available, should I go all-in with pre-tax investments?

5 - Teen trading: how can I teach my teenager about investing and should he use a platform like Bloom?

 

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! But first we debate if Joel is frugal or cheap for sending in his Darn Tough socks, but then we get into:
&nbsp;
1 - Job offer: is it smart to take a job that has lower base pay if the upside potential is better?
2 - Disability insurance: should we consider long-term disability with my wife&rsquo;s mobility waning?
3 - Child support: how should I allocate a lump-sum child support payment of $55,000?
4 - Pre or post tax: now that I have a Roth 401k available, should I go all-in with pre-tax investments?
5 - Teen trading: how can I teach my teenager about investing and should he use a platform like Bloom?
&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>
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 - Job Offer Conundrum, $55,000 Landing in Checking Account, & Teen Trading Tightrope #1210

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/496db33a-857f-4577-89fd-b4e5012d18ae/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:
Walmart and Sam’s joining forces
Kids getting some SpaceX
Souring sentiment
Cell phone bills skyrocket
Time famines
Is cash really king?
$5.3M American Dream
Degrees that pay
No more Airbnb chore list
Airbnb rental backfire
Rich Ol’ Renters

 

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.cnbc.com/2026/10/20/walmart-sams-club-plus-membership.html">Walmart and Sam&rsquo;s joining forces</a></li>
<li aria-level="1"><a href="https://www.bloomberg.com/news/articles/2026-10-19/musk-says-he-will-gift-spacex-shares-to-every-kid-in-america">Kids getting some SpaceX</a></li>
<li aria-level="1"><a href="https://www.wsj.com/livecoverage/stock-market-today-dow-sp-500-nasdaq-10-09-2026/card/one-great-chart-sentiment-vs-spending-QalNpgahC9xrOUga2sQS">Souring sentiment</a></li>
<li aria-level="1"><a href="https://finance.yahoo.com/economy/policy/article/why-your-cell-phone-bill-is-getting-so-expensive--and-how-that-helped-convince-the-fed-to-raise-rates-100000440.html?.tsrc=372&amp;ncid=crm_-2308647-20260918-1--A&amp;bt_user_id=ajr9waJLcwY%2BoMhjLByLsVtFhPfSIQR4rGhSHSP2CNX5cwpgRtLsBG%2FFkJc90gINB7EdEYIdVMfV4bEl4YN6kts4bgIovf0H1C%2BWMJ1k%2BGHovoIY73NhJSLg987pjyf%2F&amp;bt_ts=1789725693828">Cell phone bills skyrocket</a></li>
<li aria-level="1"><a href="http://pnas.org/doi/abs/10.1073/pnas.1706541114?__cf_chl_tk=z4J8Q4ho..6fs7vJeE.T8cnU31tk5bG5LVnu25ybXCA-1792085089-1.0.1.1-nwjYhNcKiwCHELHyzOG8jgMTW6zcMN3iZ8ZdC4JMV4I">Time famines</a></li>
<li aria-level="1"><a href="https://www.wsj.com/video/series/wsj-take-on-the-week/why-cash-is-king-in-the-era-of-higher-interest-rates/E614FFBF-14C5-4DEE-A1D1-72B1E4755E67?mod=mhp">Is cash really king?</a></li>
<li aria-level="1"><a href="https://www.foxbusiness.com/economy/american-dream-now-costs-5-3m-homeownership-college-costs-surge">$5.3M American Dream</a></li>
<li aria-level="1"><a href="https://www.nytimes.com/interactive/2026/10/07/your-money/college-degree-earnings-guide.html?campaign_id=12&amp;emc=edit_my_20261013&amp;instance_id=183477&amp;nl=your-money&amp;regi_id=88431455&amp;segment_id=228048&amp;user_id=f13c0607e68e8e7be9570a9f07b357e5">Degrees that pay</a></li>
<li aria-level="1"><a href="https://www.usatoday.com/story/travel/2026/10/21/airbnb-cleaning-chores-host-guest-policy-changes/92362147007/?">No more Airbnb chore list</a></li>
<li aria-level="1"><a href="https://www.businessinsider.com/selling-vacation-home-airbnb-rental-real-estate-price-cuts-2026-9?">Airbnb rental backfire</a></li>
<li aria-level="1"><a href="https://www.usatoday.com/story/money/personalfinance/2026/10/20/how-millionaire-renters-are-reimagining-the-american-dream/92330038007/">Rich Ol&rsquo; Renters</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!

Friday Flight – Souring Sentiment, Time Famines, & Rich Ol' Renters #1209

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/9501de5d-a72c-4560-a0fe-b4eb015c9659/transcript

America has a long history of entrepreneurship. Some of the biggest, most recognizable companies in the world started with one person taking a risk and building something from scratch. And for good reason: owning a business can be an incredibly powerful path to building wealth. But there’s a problem. A lot of people want to be their own boss… they dream about leaving the 9-to-5, having more control over their time, and building something they actually own. But when it comes time to take the leap, the fear of the unknown can be pretty powerful. Here’s the good news: you don’t necessarily have to invent the next great thing in your garage at 2 a.m. There’s another path to business ownership that’s been around for decades: buying a franchise. Alex Smereczniak is an entrepreneur who started Franzy, a platform that connects aspiring business owners with franchise opportunities. Today we discuss the realities of owning a small business, who should consider it, how to evaluate an opportunity, whether buying a franchise is actually a good way to build wealth, and much more including:
His lessons learned from early business ventures
Navigating partnerships and relationships
The role of passion in business
Buying vs starting a business
Understanding franchising and SBA loans
Current marketplace opportunities
Balancing lifestyle and business ownership
And much more!

Can’t get enough How To Money? 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!

America has a long history of entrepreneurship. Some of the biggest, most recognizable companies in the world started with one person taking a risk and building something from scratch. And for good reason: owning a business can be an incredibly powerful path to building wealth. But there&rsquo;s a problem. A lot of people want to be their own boss&hellip; they dream about leaving the 9-to-5, having more control over their time, and building something they actually own. But when it comes time to take the leap, the fear of the unknown can be pretty powerful. Here&rsquo;s the good news: you don&rsquo;t necessarily have to invent the next great thing in your garage at 2 a.m. There&rsquo;s another path to business ownership that&rsquo;s been around for decades: buying a franchise. Alex Smereczniak is an entrepreneur who started Franzy, a platform that connects aspiring business owners with franchise opportunities. Today we discuss the realities of owning a small business, who should consider it, how to evaluate an opportunity, whether buying a franchise is actually a good way to build wealth, and much more including:
<ul>
<li aria-level="1">His lessons learned from early business ventures</li>
<li aria-level="1">Navigating partnerships and relationships</li>
<li aria-level="1">The role of passion in business</li>
<li aria-level="1">Buying vs starting a business</li>
<li aria-level="1">Understanding franchising and SBA loans</li>
<li aria-level="1">Current marketplace opportunities</li>
<li aria-level="1">Balancing lifestyle and business ownership</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">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>
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Owning Unsexy Businesses to Build Wealth w/ Alex Smereczniak #1208

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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

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