We love biking. Anyone who knows Joel and myself knows that bikes are a big part of our life- but why? In this episode we talk about how biking saves us money, keeps us in shape, and puts us in touch with our community; all while having fun! During our discussion, we were enjoying a Backwoods Bastard by Founders which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe in iTunes, Stitcher, or wherever you get your podcasts.

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

We love biking. Anyone who knows Joel and myself knows that bikes are a big part of our life- but why? In this episode we talk about how biking saves us money, keeps us in shape, and puts us in touch with our community; all while having fun! During our discussion, we were enjoying a Backwoods Bastard by Founders which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe in iTunes, Stitcher, or wherever you get your podcasts.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

We Love Biking #001

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/4cc196b4-8003-4183-81bb-ae320046cc90/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:
Matt’s big reveal
Slick deals lingerie
America’s debt debacle
Job hopping superpower
Quick responses
“Leave the workforce” clause in prenups
Joint back accounts and happy couples
Is buy now pay later all that bad?
Perpetual shopping
Mystery vacations to save
Travel e-sim boom

 

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">Matt&rsquo;s big reveal</li>
<li aria-level="1">Slick deals lingerie</li>
<li aria-level="1"><a href="https://www.wsj.com/economy/u-s-debt-just-topped-40-trillion-how-we-got-here-c1c6c9d2?st=GHXQte&amp;reflink=desktopwebshare_permalink&amp;utm_source=Common+Good&amp;utm_campaign=86cc844421-Weekly26_34&amp;utm_medium=email&amp;utm_term=0_-1e7f7a2298-379824960">America&rsquo;s debt debacle</a></li>
<li aria-level="1"><a href="https://www.wsj.com/lifestyle/careers/the-hidden-advantages-of-being-a-job-hopper-e84e3830?mod=hp_lead_pos10">Job hopping superpower</a></li>
<li aria-level="1"><a href="https://www.wsj.com/lifestyle/careers/fast-job-application-response-hiring-7d365503?st=sruJGq&amp;reflink=desktopwebshare_permalink">Quick responses</a></li>
<li aria-level="1"><a href="https://www.wsj.com/personal-finance/prenup-stay-at-home-parents-4b149dba?st=gcdVCf&amp;reflink=desktopwebshare_permalink">&ldquo;Leave the workforce&rdquo; clause in prenups</a></li>
<li aria-level="1"><a href="https://finance.yahoo.com/economy/article/joint-bank-account-pass-more-couples-are-keeping-their-finances-separate-103000960.html">Joint back accounts and happy couples</a></li>
<li aria-level="1"><a href="https://ktla.com/news/nationworld/buy-now-pay-later-loans-utility-bills-rent/">Is buy now pay later all that bad?</a></li>
<li aria-level="1"><a href="https://www.theatlantic.com/technology/2026/08/online-shopping-inescapable/688254/">Perpetual shopping</a></li>
<li aria-level="1"><a href="https://www.wsj.com/lifestyle/travel/the-mystery-vacations-that-give-you-no-idea-where-youre-actually-going-0a9e9cb6?mod=mhp">Mystery vacations to save</a></li>
<li aria-level="1"><a href="https://www.ft.com/content/64ede483-c179-42fa-8fd2-f13b13cbd8ad?syn-25a6b1a6=1">Travel e-sim boom</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/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>
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 - America’s Debt Debacle, Perpetual Shopping, & Mystery Vacations #1185

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/04777202-d9dd-4841-a5c6-b4b301412553/transcript

“There’s nothing new under the sun.” That comes from Ecclesiastes. But it’s a piece of wisdom we tend to neglect. It's often said that those who forget history are doomed to repeat it. But what if a poor understanding of history does something else too: leaving us less grounded and giving us unrealistic expectations about how life used to be? It’s time for a history lesson today, but not just for the sake of memorizing names, dates, and events. Drawing on countless examples from history, national bestseller Joseph Moore argues that while we're constantly looking back with nostalgia at the "good old days," we may actually be living through the greatest era of prosperity. The books is How To Get Rich In American History, and today we unpack:
Why Americans misunderstand the past and over-romanticize earlier eras
The American Dream has been declared dead for centuries
Optimism and an internal locus of control matter financially
Why “stocks for the long run” is a modern idea
Early Americans were often told not to save money
Real estate myths: it does not always go up and it is not passive
FIRE as the CrossFit of personal finance
Women’s income has long been central to family wealth
Five takeaways from history: solve problems, take risks, move, marry well, believe you can do it
And much more!

Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances:
Cashback credit cards: 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!

&ldquo;There&rsquo;s nothing new under the sun.&rdquo; That comes from Ecclesiastes. But it&rsquo;s a piece of wisdom we tend to neglect. It's often said that those who forget history are doomed to repeat it. But what if a poor understanding of history does something else too: leaving us less grounded and giving us unrealistic expectations about how life used to be? It&rsquo;s time for a history lesson today, but not just for the sake of memorizing names, dates, and events. Drawing on countless examples from history, national bestseller Joseph Moore argues that while we're constantly looking back with nostalgia at the "good old days," we may actually be living through the greatest era of prosperity. The books is <a href="https://amzn.to/4qdkd6d">How To Get Rich In American History</a>, and today we unpack:
<ul>
<li aria-level="1">Why Americans misunderstand the past and over-romanticize earlier eras</li>
<li aria-level="1">The American Dream has been declared dead for centuries</li>
<li aria-level="1">Optimism and an internal locus of control matter financially</li>
<li aria-level="1">Why &ldquo;stocks for the long run&rdquo; is a modern idea</li>
<li aria-level="1">Early Americans were often told not to save money</li>
<li aria-level="1">Real estate myths: it does not always go up and it is not passive</li>
<li aria-level="1">FIRE as the CrossFit of personal finance</li>
<li aria-level="1">Women&rsquo;s income has long been central to family wealth</li>
<li aria-level="1">Five takeaways from history: solve problems, take risks, move, marry well, believe you can do it</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">Cashback credit cards: 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!

How Americans Got Rich: The History of Wealth in America w/ Joseph Moore #1184

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/66413c00-82f1-4f02-8bae-b4a4014df2fc/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 - HSA: I don’t see how investing money in a Health Savings Account is going to move the needle for me?

2 - Dividend stocks: I keep buying individual stocks, but maybe it’s time to cut bait?

3 - Renovate/rent: We’re interested in getting into single family housing but how do we go about it?

4 - Cash reserves: What steps do I take to have 1-3 years of cash on hand for retirement?

 

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.

During this episode we enjoyed a Lakeside Kolsch by Lake of the Woods Brewing… thank you David S for sending this one our way! 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 - HSA: I don&rsquo;t see how investing money in a Health Savings Account is going to move the needle for me?
2 - Dividend stocks: I keep buying individual stocks, but maybe it&rsquo;s time to cut bait?
3 - Renovate/rent: We&rsquo;re interested in getting into single family housing but how do we go about it?
4 - Cash reserves: What steps do I take to have 1-3 years of cash on hand for retirement?
&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>
During this episode we enjoyed a Lakeside Kolsch by Lake of the Woods Brewing&hellip; thank you David S for sending this one our way! 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 - Overrated HSA, 13% Dividend Yields, & Getting Into Real Estate #1183

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/f720833a-cad6-4978-8c33-b4ae01547782/transcript

We Love Biking #001

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