We think it’s a great decision for almost everyone to invest in a Roth IRA. Second only to an employer matched 401k, a Roth IRA is very often the best retirement savings vehicle due to tax advantages and flexibility within that account. Listen as we cover some of the reasons we’re huge fans of the Roth IRA.

During this episode we enjoyed a Superior BarleyLime by tripelroot - a big thanks to Heather for donating this delicious beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

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

We think it’s a great decision for almost everyone to invest in a Roth IRA. Second only to an employer matched 401k, a Roth IRA is very often the best retirement savings vehicle due to tax advantages and flexibility within that account. Listen as we cover some of the reasons we’re huge fans of the Roth IRA.During this episode we enjoyed a Superior BarleyLime by tripelroot - a big thanks to Heather for donating this delicious beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you.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 Beauty of the Roth IRA #083

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/a4d6ba9b-053f-463d-87dc-ae32003eec5b/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:
Best affordable eyeglasses
Stellar staycations
Avoiding travel fuel surcharges
Recession reminder
Dr. Doom sounds reasonable!
Pay cut gut punch
Where you work matters
Nursing your way to middle class
(Don’t) Stop contributing to your 401k
Sam’s, Netflix, and the postal service getting pricey
Devilish destination fees
EV & hybrid searches spike

 

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.zennioptical.com/">Best affordable eyeglasses</a></li>
<li aria-level="1"><a href="https://www.businessinsider.com/summer-travel-america-stay-home-staycation-high-oil-prices-tsa-2026-3?">Stellar staycations</a></li>
<li aria-level="1"><a href="https://www.wsj.com/business/airlines/flight-jet-fuel-prices-airline-surcharges-9bb238d5?gaa_at=eafs&amp;gaa_n=AWEtsqe0KvTLV8hHeys6MMjelfHj6yAiKJ1AXFtA20EdjW-H-vdpJY6yHLNt48egLcQ%3D&amp;gaa_ts=69cdc30b&amp;gaa_sig=OscdeKhGLeVfyFfmHQyNt2nunplybvxnhlIbUdWmB_KGBXB7URgmTrBbVMxTdUsmcinErs3s60GCe4N7ENPrqg%3D%3D">Avoiding travel fuel surcharges</a></li>
<li aria-level="1"><a href="https://www.thefp.com/p/niall-ferguson-brace-yourselves-a?">Recession reminder</a></li>
<li aria-level="1"><a href="https://view.newsletters.yahoo.net/messages/17747786856579e751d2b7fc7/raw">Dr. Doom sounds reasonable!</a></li>
<li aria-level="1"><a href="https://www.businessinsider.com/employees-taking-pay-cuts-huge-numbers-2026-3?">Pay cut gut punch</a></li>
<li aria-level="1"><a href="https://www.whereyouworkmatters.org/?stream=top">Where you work matters</a></li>
<li aria-level="1"><a href="https://www.wsj.com/economy/jobs/nursing-jobs-pay-prosperity-b2769391?mod=hp_lead_pos9">Nursing your way to middle class</a></li>
<li aria-level="1"><a href="https://finance.yahoo.com/news/really-stop-contributing-401-k-110000705.html?guccounter=1">(Don&rsquo;t) Stop contributing to your 401k</a></li>
<li aria-level="1"><a href="https://www.southernliving.com/sams-club-raising-annual-membership-fees-11938555">Sam&rsquo;s</a>, <a href="https://www.cnbc.com/2026/03/26/netflix-raises-prices-across-all-streaming-plans.html">Netflix</a>, and the <a href="https://finance.yahoo.com/economy/policy/articles/us-postal-raise-prices-war-192157291.html?">postal service getting pricey</a></li>
<li aria-level="1"><a href="https://www.wsj.com/business/autos/the-obscure-fee-costing-you-more-to-buy-a-car-a9cf942b?st=MTY6ex&amp;reflink=desktopwebshare_permalink">Devilish destination fees</a></li>
<li aria-level="1"><a href="https://sherwood.news/business/carmax-says-ev-and-hybrid-searches-are-up-9-3-this-month-as-gas-prices-surge/">EV &amp; hybrid searches spike</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 - Stellar Staycations, Devilish Destination Fees, & Pay Cut Gut Punch #1122

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/68e96e7f-3934-4498-999d-b420014338ce/transcript

You might expect someone who experienced homelessness as a kid to grow up angry at the financial system. Instead, John Hope Bryant set out to understand it and help more people succeed within it. Our guest today believes financial literacy isn’t just helpful but foundational to economic opportunity and even human dignity. John is the founder, chairman, and CEO of Operation HOPE, one of the nation’s leading organizations focused on financial literacy, credit access, and economic empowerment. Today, we’re talking about his personal story, economic mobility, entrepreneurship, and what it really takes to build a financial system that works for everyone. We cover:
The ‘third reconstruction’
Doing well and doing good
Improving over burning our current system
How our economy is driven by consumer spending
AI upskilling and its impact on jobs
Capitalism isn’t a blue vs red political choice
Ladders of economic mobility
Incentivizing corporations to help those in need
The ‘American bet’ and what he thinks will give you a good shot at success
And plenty more!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
John Hope Bryant: Check out Operation Hope, John’s non-profit that works to expand economic opportunity via free enterprise, as well as his latest book, Capitalism For All: Inclusive Economics and the Future-Proofing of America.
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!

You might expect someone who experienced homelessness as a kid to grow up angry at the financial system. Instead, John Hope Bryant set out to understand it and help more people succeed within it. Our guest today believes financial literacy isn&rsquo;t just helpful but foundational to economic opportunity and even human dignity. John is the founder, chairman, and CEO of Operation HOPE, one of the nation&rsquo;s leading organizations focused on financial literacy, credit access, and economic empowerment. Today, we&rsquo;re talking about his personal story, economic mobility, entrepreneurship, and what it really takes to build a financial system that works for everyone. We cover:
<ul>
<li aria-level="1">The &lsquo;third reconstruction&rsquo;</li>
<li aria-level="1">Doing well and doing good</li>
<li aria-level="1">Improving over burning our current system</li>
<li aria-level="1">How our economy is driven by consumer spending</li>
<li aria-level="1">AI upskilling and its impact on jobs</li>
<li aria-level="1">Capitalism isn&rsquo;t a blue vs red political choice</li>
<li aria-level="1">Ladders of economic mobility</li>
<li aria-level="1">Incentivizing corporations to help those in need</li>
<li aria-level="1">The &lsquo;American bet&rsquo; and what he thinks will give you a good shot at success</li>
<li aria-level="1">And plenty more!</li>
</ul>
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">John Hope Bryant: Check out <a href="https://operationhope.org/">Operation Hope</a>, John&rsquo;s non-profit that works to expand economic opportunity via free enterprise, as well as his latest book, <a href="https://amzn.to/46mBhOs">Capitalism For All: Inclusive Economics and the Future-Proofing of America</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!

Capitalism for ALL: Making the System Work for Everyone w/ John Hope Bryant #1121

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/81becdfd-129f-4758-aac3-b3fa016573a4/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 - Marriage goals: Now that we have more cash coming in, should we invest more or have a wedding?

2 - Skipping life insurance: Why shouldn’t I just forego term life if I can claim social security survivor benefits?

3 - DCFSA: Is it legal for my partner to claim our new daughter in order to contribute more to a dependent care flexible spending account?

4 - New cars: First-time mama asking what the best rides are with a baby in tow?

5 - $100,000: What should we do with an inheritance if we have a serious medical condition but also have investing goals?

 

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 Wonder Struck by Singlespeed Brewing – thanks Clint for sending this one along to us! 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 - Marriage goals: Now that we have more cash coming in, should we invest more or have a wedding?
2 - Skipping life insurance: Why shouldn&rsquo;t I just forego term life if I can claim social security survivor benefits?
3 - DCFSA: Is it legal for my partner to claim our new daughter in order to contribute more to a dependent care flexible spending account?
4 - New cars: First-time mama asking what the best rides are with a baby in tow?
5 - $100,000: What should we do with an inheritance if we have a serious medical condition but also have investing goals?
&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;
During this episode we enjoyed a Wonder Struck by Singlespeed Brewing &ndash;&nbsp;thanks Clint for sending this one along to us! 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 - Marriage Goals Over Investing, SS Survivor Benefits at Age 30, & Best Cars for New Mamas #1120

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/0f38f0d4-4e5b-4417-89a7-b40a014fe70b/transcript

The Beauty of the Roth IRA #083

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