For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out!

 Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

For specific links and additional information about this episode, head over to our site: <a href="https://www.howtomoney.com/">HowToMoney.com</a> . Best friends out! Learn more about your ad-choices at <a href="https://www.iheartpodcastnetwork.com">https://www.iheartpodcastnetwork.com</a>

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

The 4th of July! #026

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/9bb8c390-bfeb-4337-b936-ae32004408b9/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:
Deceptive dollar stores
When it pays to go cheap
Warrior dividends
Less great target date funds
Moderate millionaires
The wealth effect
Underperforming financial advisors
Time to update those beneficiaries
Wanna be real estate moguls
Frustrated flippers
Don’t gamble
Robinhood pushing prop bets
Betting your credit card balance
Debit card cashback

 

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://www.theguardian.com/us-news/2025/dec/03/customers-pay-more-rising-dollar-store-costs">Deceptive dollar stores</a></li>
<li aria-level="1"><a href="https://www.nytimes.com/wirecutter/reviews/ask-wirecutter-cheap-but-good-products/">When it pays to go cheap</a></li>
<li aria-level="1"><a href="https://www.wsj.com/politics/policy/trump-defends-handling-of-economy-announces-military-dividend-cfa8f07a?mod=hp_lead_pos5">Warrior dividends</a></li>
<li aria-level="1"><a href="https://www.wsj.com/finance/investing/do-you-really-know-whats-inside-your-401-k-c480ec9c?mod=mhp">Less great target date funds</a></li>
<li aria-level="1"><a href="https://www.wsj.com/personal-finance/retirement/401k-millionaires-382f5c33?mod=mhp">Moderate millionaires</a></li>
<li aria-level="1"><a href="https://www.wsj.com/personal-finance/positive-net-worth-wealth-effect-bccf310c?mod=mhp">The wealth effect</a></li>
<li aria-level="1"><a href="https://www.cnbc.com/amp/2025/11/08/millionaires-personal-trainers-wealth-advisors-professional-services-survey.html">Underperforming financial advisors</a></li>
<li aria-level="1"><a href="https://www.wsj.com/personal-finance/retirement/leaving-the-wrong-beneficiary-on-your-ira-plan-can-be-a-costly-mistake-b13423b7?">Time to update those beneficiaries</a></li>
<li aria-level="1"><a href="https://www.businessinsider.com/landlords-dscr-loans-delinquencies-real-estate-investor-trouble-2025-12">Wanna be real estate moguls</a></li>
<li aria-level="1"><a href="https://www.wsj.com/real-estate/house-flipping-profit-risks-ff8e158d?mod=wknd_pos1">Frustrated flippers</a></li>
<li aria-level="1"><a href="https://www.axios.com/2025/12/14/sports-betting-gambling-young-men-crisis">Don&rsquo;t gamble</a></li>
<li aria-level="1"><a href="https://www.cnbc.com/2025/12/16/robinhood-is-rolling-out-nfl-parlay-and-prop-bets-on-prediction-markets-platform.html">Robinhood pushing prop bets</a></li>
<li aria-level="1"><a href="https://www.coverd.us/">Betting your credit card balance</a></li>
<li aria-level="1"><a href="https://www.wsj.com/personal-finance/credit/new-debit-cards-have-an-unexpected-feature-rewards-e390ea40?mod=mhp">Debit card cashback</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="http://dub.link/tcai0xo">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!

Friday Flight - Deceptive Dollar Stores, Frustrated Flippers, & Betting Your Credit Card Balance #1077

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/e7784362-e560-4cf8-a4fc-b3b7015e8405/transcript

Tall fellas UNITE! Joel has to contend with talking with someone who is taller than him for a change, but that’s mostly besides the point (unless tall guys actually invest differently than the rest of the population!?). We’re joined by Ben Felix – one of the clearest voices in finance and investing who is co-host of the Rational Reminder podcast and also runs a killer YouTube channel full of thoughtful, evidence-based investing advice. Ben is a CFA, CFP, the Chief Investment Officer at PWL Capital and more importantly, he helps regular folks understand the why behind their investing decisions. We discuss topics like:
The biggest reason to invest rather than save
Savings rates based on individual circumstances
How more financial advisors are shifting to behavioral coaching
The only free lunch in invested
Why target date funds aren’t optimal
What DIY investors need to look out for
And plenty of other topics!

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
Check out Ben’s podcast over on Youtube along with his helpful channel where he posts on investing, financial decision-making, and living a good life.
Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

 

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!

Tall fellas UNITE! Joel has to contend with talking with someone who is taller than him for a change, but that&rsquo;s mostly besides the point (unless tall guys actually invest differently than the rest of the population!?). We&rsquo;re joined by Ben Felix &ndash;&nbsp;one of the clearest voices in finance and investing who is co-host of the Rational Reminder podcast and also runs a killer YouTube channel full of thoughtful, evidence-based investing advice. Ben is a CFA, CFP, the Chief Investment Officer at PWL Capital and more importantly, he helps regular folks understand the why behind their investing decisions. We discuss topics like:
<ul>
<li aria-level="1">The biggest reason to invest rather than save</li>
<li aria-level="1">Savings rates based on individual circumstances</li>
<li aria-level="1">How more financial advisors are shifting to behavioral coaching</li>
<li aria-level="1">The only free lunch in invested</li>
<li aria-level="1">Why target date funds aren&rsquo;t optimal</li>
<li aria-level="1">What DIY investors need to look out for</li>
<li aria-level="1">And plenty of other topics!</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">Check out <a href="https://www.youtube.com/@rationalreminder">Ben&rsquo;s podcast over on Youtube</a> along with his <a href="https://www.youtube.com/@BenFelixCSI/featured">helpful channel where he posts on investing</a>, financial decision-making, and living a good life.</li>
<li aria-level="1">Knowing your &lsquo;money gear&rsquo; is a crucial part of your personal finance journey. <a href="https://www.howtomoney.com/start-here/">Start here.</a>&nbsp;</li>
<li aria-level="1">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">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">Massively reduce your <a href="https://www.howtomoney.com/choosing-the-best-cheap-cell-phone-plan/">cell phone bill</a> each month by switching to a discount provider like Mint Mobile.</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!

Becoming a Rational Investor w/ Ben Felix #1076

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/93fd6760-e864-49a2-a054-b3a70116ea68/transcript

Let’s kick off 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 - Target date fund: is my brokerage double dipping expense ratios if my target date fund has other funds as well?

2 - High deductible healthcare plan: help me to determine whether or not my HDHP makes sense!

3 - Promissory note: did I make a massive mistake in selling my house with a promissory note?

4 - Pro bono: what certifications should I get if I’d like to help others with their finances for free?

5 - 50 year mortgage: “change my mind” that a 50 year mortgage isn’t a great option for folks to build wealth with homeownership!

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Join a thriving community of fellow money in the HTM Facebook group.
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

 

During this episode we enjoyed a Contrast, which is a collaboration between Burial and Allagash! 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!

Let&rsquo;s kick off 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&rsquo;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 <a href="https://www.howtomoney.com/ask/">HowToMoney.com/ask</a> . Regardless of how random or bizarre you might think it is, we want to hear it!
&nbsp;
1 - Target date fund: is my brokerage double dipping expense ratios if my target date fund has other funds as well?
2 - High deductible healthcare plan: help me to determine whether or not my HDHP makes sense!
3 - Promissory note: did I make a massive mistake in selling my house with a promissory note?
4 - Pro bono: what certifications should I get if I&rsquo;d like to help others with their finances for free?
5 - 50 year mortgage: &ldquo;change my mind&rdquo; that a 50 year mortgage isn&rsquo;t a great option for folks to build wealth with homeownership!
&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">Knowing your &lsquo;money gear&rsquo; is a crucial part of your personal finance journey. <a href="https://www.howtomoney.com/start-here/">Start here.</a>&nbsp;</li>
<li aria-level="1">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">Join a thriving community of fellow money in the <a href="https://www.facebook.com/groups/1623670287732189">HTM Facebook group.</a></li>
<li aria-level="1">Massively reduce your <a href="https://www.howtomoney.com/choosing-the-best-cheap-cell-phone-plan/">cell phone bill</a> each month by switching to a discount provider like Mint Mobile.</li>
</ul>
&nbsp;
During this episode we enjoyed a Contrast, which is a collaboration between Burial and Allagash! 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!

Ask HTM – Double Dipping Expense Ratios, Wealth Building with High Deductibles, and when 50 Year Mortgages Make Sense #1075

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/0c61f40e-374a-4ff3-b112-b3a9016413cc/transcript

The 4th of July! #026

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