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:
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>
<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!

Owning Unsexy Businesses to Build Wealth w/ Alex Smereczniak #1208

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/ad03d310-39e1-45b3-a160-b4b0013c63ef/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!

 

1 - Home reno: but should I goose my savings with special bank offers in the meantime?

2 - HSA overload: what are the tax DISadvantages if I set aside too much in my Health Savings Account?

3 - Baby car: does it make sense for me to sell the Tesla now that we’re expecting our second kid?

4 - Life insurance: what do I do about a previous benign cancer diagnosis now that I need life insurance?

5 - Avoiding medical debt: check out the AI clone advocating for you at the MarshallAllenProject.org!

 

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!
&nbsp;
1 - Home reno: but should I goose my savings with special bank offers in the meantime?
2 - HSA overload: what are the tax DISadvantages if I set aside too much in my Health Savings Account?
3 - Baby car: does it make sense for me to sell the Tesla now that we&rsquo;re expecting our second kid?
4 - Life insurance: what do I do about a previous benign cancer diagnosis now that I need life insurance?
5 - Avoiding medical debt: check out the AI clone advocating for you at the <a href="http://marshallallenproject.org/">MarshallAllenProject.org</a>!
&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 - Selling an EV to Get Ahead, Juicing Your Down Payment Returns, and Hacking an HSA to the Max #1207

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/a4a883a0-7c65-4b83-b9bb-b4e10145282e/transcript

The 4th of July! #026

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