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

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 - Kid IRAs: How do I go about setting up a Roth IRA for a minor?

2 - Advisor fees: By my math, most folks are paying closer to 20-25% for financial advice!

3 - Pension credits: Should I spend $50,000 to purchase teacher service credits in order to boost my pension?

4 - US Mobile: I’m considering switching to the new Starlink home internet… good idea?

5 - Rent vs own: Why don’t y’all ever talk about the nightmares associated with renting?!

 

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.

 

During this episode we enjoyed a Whippersnapper by Two Tides Brewing! 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&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 - Kid IRAs: How do I go about setting up a Roth IRA for a minor?
2 - Advisor fees: By my math, most folks are paying closer to 20-25% for financial advice!
3 - Pension credits: Should I spend $50,000 to purchase teacher service credits in order to boost my pension?
4 - US Mobile: I&rsquo;m considering switching to the new Starlink home internet&hellip; good idea?
5 - Rent vs own: Why don&rsquo;t y&rsquo;all ever talk about the nightmares associated with renting?!
&nbsp;
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
<ul>
<li aria-level="1">Credit card perks: Check out <a href="https://go.nextcard.com/shau19-htmomny">our favorite credit cards</a> that we use to maximize rewards and optimize our spending.</li>
<li aria-level="1">Other money nerds: Find a thriving community of fellow money nerds by joining the <a href="https://www.facebook.com/groups/1623670287732189">HTM Facebook group!</a></li>
<li aria-level="1">Newsletter: Sign up for the weekly <a href="https://www.howtomoney.com/newsletter/">HTM newsletter</a>. It&rsquo;s fun, free, &amp; practical.</li>
<li aria-level="1">Money Gears: knowing <a href="https://www.howtomoney.com/start-here/">what to do with your money</a> is crucial to your personal finance journey.</li>
<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;
During this episode we enjoyed a Whippersnapper by Two Tides Brewing! 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 – Looking to the Stars to Save, High Price to Pay for Financial Advice, & Setting up a Roth for a Minor #1141

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/fdcf8007-fcb8-4166-bc79-b43b010174d5/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:
Waiting till 8th
Secondhand tech
Cities with all the jobs
Mistaken starting salaries
Slow state of play in the housing market
Crypto-backed mortgages
Commuting “literally breaking me”
Biking actually is an alternative
Self-inflicted inflation
Energy bills on the rise
More borrowing to get by

 

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">Waiting till 8th</li>
<li aria-level="1"><a href="https://www.cnet.com/tech/refurbished-tech-survey-2026/">Secondhand tech</a></li>
<li aria-level="1"><a href="https://www.adpresearch.com/research/2026-youve-graduated-now-what">Cities with all the jobs</a></li>
<li aria-level="1"><a href="https://www.cnbc.com/2026/05/04/college-grads-overestimate-starting-salaries.html">Mistaken starting salaries</a></li>
<li aria-level="1"><a href="https://www.wsj.com/economy/housing/housing-market-move-in-ready-sales-9b49d453">Slow state of play in the housing market</a></li>
<li aria-level="1"><a href="https://finance.yahoo.com/personal-finance/mortgages/article/crypto-backed-mortgage-183809393.html?">Crypto-backed mortgages</a></li>
<li aria-level="1"><a href="https://archive.ph/5Ah6a">Commuting &ldquo;literally breaking me&rdquo;</a></li>
<li aria-level="1"><a href="https://momentummag.com/hey-cnn-there-are-other-ways-to-commute-you-know/">Biking actually is an alternative</a></li>
<li aria-level="1"><a href="https://www.wsj.com/economy/cpi-inflation-report-april-62b11096?mod=WSJ_home_mediumtopper_pos_1">Self-inflicted inflation</a></li>
<li aria-level="1"><a href="https://www.nytimes.com/2026/05/01/your-money/electricity-costs-summer.html">Energy bills on the rise</a></li>
<li aria-level="1"><a href="https://www.nytimes.com/2026/05/10/business/consumers-credit-inflation-costs.html?smid=nytcore-android-share">More borrowing to get by</a></li>
</ul>
&nbsp;
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
<ul>
<li aria-level="1">Credit card perks: Check out <a href="https://go.nextcard.com/shau19-htmomny">our favorite credit cards</a> that we use to maximize rewards and optimize our spending.</li>
<li aria-level="1">Other money nerds: Find a thriving community of fellow money nerds by joining the <a href="https://www.facebook.com/groups/1623670287732189">HTM Facebook group!</a></li>
<li aria-level="1">Newsletter: Sign up for the weekly <a href="https://www.howtomoney.com/newsletter/">HTM newsletter</a>. It&rsquo;s fun, free, &amp; practical.</li>
<li aria-level="1">Money Gears: knowing <a href="https://www.howtomoney.com/start-here/">what to do with your money</a> is crucial to your personal finance journey.</li>
<li aria-level="1">MG7: and maybe you&rsquo;re well on your way to financial independence but you&rsquo;re looking for some financial reassurance, that&rsquo;s when heading over to <a href="http://www.howtomoney.com/advisor">HowToMoney.com/Advisor</a> and getting matched with a highly vetted financial advisor makes sense.</li>
</ul>
&nbsp;
And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you&rsquo;re not already a regular listener, and <a href="https://podcasts.apple.com/us/podcast/how-to-money/id1337718773?mt=2">give us a quick review in Apple Podcasts</a> or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!
&nbsp;
Best friends out!

Friday Flight - Mistaken Starting Salaries, Crypto Mortgages, & Self-Inflicted Inflation #1140

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/6ad178c4-07fa-4a3c-9807-b44a013dc0fa/transcript

The vast majority of HTM listeners are Gen Z and Millennials - people who are starting early and taking the bull by the horns. But that’s not true for everyone in our audience, and it’s certainly not true for the average American. Our guest today didn’t even start thinking about financial independence until age 50. But he made up for lost time in a big way and now he’s helping thousands of other late starters do the same. Bill Yount is an emergency room physician on a mission to help people escape the rat race, live more balanced lives, and reclaim their time. His podcast, Catching Up to FI, is packed with practical wisdom for anyone who feels like they’re late to the game. Today we discuss:
Bill’s personal journey from burnout and debt
Geo-arbitrage and massively downsizing
Debunking the myth that all doctors are rich
Debt payoff or investing when you’re last to the game
Transitioning to retirement and the “One More Year Syndrome”
Emotional aspects of retirement
A general take to living a full and engaging life
And much more!

Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances:
Bill: Listen to his podcast, Catching Up To FI with co-host (and friend of the pod) Jackie Cummings Koski!
Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
Money Gears: Knowing what to do with your money is crucial to your personal finance journey.
Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!

 

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!

The vast majority of HTM listeners are Gen Z and Millennials - people who are starting early and taking the bull by the horns. But that&rsquo;s not true for everyone in our audience, and it&rsquo;s certainly not true for the average American. Our guest today didn&rsquo;t even start thinking about financial independence until age 50. But he made up for lost time in a big way and now he&rsquo;s helping thousands of other late starters do the same. Bill Yount is an emergency room physician on a mission to help people escape the rat race, live more balanced lives, and reclaim their time. His podcast, Catching Up to FI, is packed with practical wisdom for anyone who feels like they&rsquo;re late to the game. Today we discuss:
<ul>
<li aria-level="1">Bill&rsquo;s personal journey from burnout and debt</li>
<li aria-level="1">Geo-arbitrage and massively downsizing</li>
<li aria-level="1">Debunking the myth that all doctors are rich</li>
<li aria-level="1">Debt payoff or investing when you&rsquo;re last to the game</li>
<li aria-level="1">Transitioning to retirement and the &ldquo;One More Year Syndrome&rdquo;</li>
<li aria-level="1">Emotional aspects of retirement</li>
<li aria-level="1">A general take to living a full and engaging life</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">Bill: Listen to his podcast, <a href="https://catchinguptofi.com/">Catching Up To FI</a> with co-host (and friend of the pod) <a href="https://www.howtomoney.com/catching-up-to-fi-w-jackie-cummings-koski-episode-848/">Jackie Cummings Koski</a>!</li>
<li aria-level="1">Credit card perks: Check out <a href="https://go.nextcard.com/shau19-htmomny">our favorite credit cards</a> that we use to maximize rewards and optimize our spending.</li>
<li aria-level="1">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">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">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>
</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!

Achieving Financial Independence as a Late Starter w/ Bill Yount #1139

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/c63d92ae-75cf-4c01-864f-b40b014eb725/transcript

The 4th of July! #026

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