Enjoy a recent convo Joel had with Paco de Leon over at the Weird Finance podcast as they discuss how investing in relationships impacts your finances!



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.
Find the best credit card for you with our new credit card tool!
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. Have an awesome weekend!



Best friends out!

Enjoy a recent convo Joel had with Paco de Leon over at the Weird Finance podcast as they discuss how investing in relationships impacts your finances!
 
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 ‘money gear’ is a crucial part of your personal finance journey. <a href="https://www.howtomoney.com/start-here/">Start here.</a> </li>
<li aria-level="1">Sign up for the weekly <a href="https://www.howtomoney.com/newsletter/">HTM newsletter</a>. It’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">Find the best credit card for you with our new <a href="https://www.howtomoney.com/creditcardtool">credit card tool</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>
 
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 <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. Have an awesome weekend!
 
Best friends out!

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

Weird Finance Bonus w/ Paco de Leon

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/44db735a-da09-4219-81af-b0de01561ba4/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:
Longevity calculators (Matt’s preference)
Credit card caps
The youths ditching credit cards
Free rent
Gambling on housing
Private labels on the rise
GLP1 to slim down the budget
Pokemon investing
Bear market benefits
Investing like an optimist
Cable TV bundle rebounds
Don’t sleep on free streaming
100 month car loans
Budget busting used cars

 

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.longevityillustrator.org/">Longevity calculators</a> (<a href="https://media.nmfn.com/tnetwork/lifespan/index.html#0">Matt&rsquo;s preference</a>)</li>
<li aria-level="1"><a href="https://truthsocial.com/@realDonaldTrump/posts/115868132990949589?utm_campaign=mb&amp;utm_medium=newsletter&amp;utm_source=morning_brew">Credit card caps</a></li>
<li aria-level="1"><a href="https://www.usnews.com/banking/articles/survey-gen-z-millennials-are-ditching-the-credit-card-for-other-payment-methods">The youths ditching credit cards</a></li>
<li aria-level="1"><a href="https://www.wsj.com/real-estate/commercial/housing-supply-prices-free-rent-a8278a65?mod=wknd_pos1">Free rent</a></li>
<li aria-level="1"><a href="https://www.businessinsider.com/home-prices-real-estate-home-values-prediction-markets-polymarket-parcl-2026-1?">Gambling on housing</a></li>
<li aria-level="1"><a href="https://www.barrons.com/articles/retailers-private-label-brands-price-walmart-target-costco-060dfc0c">Private labels on the rise</a></li>
<li aria-level="1"><a href="https://www.sciencedaily.com/releases/2026/01/260112001029.htm">GLP1 to slim down the budget</a></li>
<li aria-level="1"><a href="https://www.businessinsider.com/logan-paul-pokemon-card-auction-stocks-young-investors-2025-12?">Pokemon investing</a></li>
<li aria-level="1"><a href="https://www.wsj.com/finance/stocks/why-we-could-use-a-good-long-bear-market-73997cb7?mod=mhp">Bear market benefits</a></li>
<li aria-level="1"><a href="https://www.wsj.com/finance/investing/in-a-wild-year-for-markets-investors-who-did-nothing-did-just-fine-721a9cc8?mod=wsjhp_columnists_pos_2">Investing like an optimist</a></li>
<li aria-level="1"><a href="https://www.axios.com/2025/12/09/pay-tv-rates">Cable TV bundle rebounds</a></li>
<li aria-level="1"><a href="https://www.bloomberg.com/news/articles/2025-12-28/americans-are-watching-fewer-new-tv-shows-and-more-free-tv?cmpid=122925_morningamer&amp;utm_medium=email&amp;utm_source=newsletter&amp;utm_term=251229&amp;utm_campaign=morningamer&amp;embedded-checkout=true">Don&rsquo;t sleep on free streaming</a></li>
<li aria-level="1"><a href="https://www.wsj.com/business/autos/car-payments-now-average-more-than-750-a-month-enter-the-100-month-car-loan-fcd7d284?mod=hp_lead_pos8">100 month car loans</a></li>
<li aria-level="1"><a href="https://www.washingtonpost.com/business/2026/01/10/1000-payments-car-debt-trap/">Budget busting used cars</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 - Credit Card Caps, Free Rent, & Pokemon Investing #1089

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/1512c7ba-c896-4e77-939c-b3d30151f5ed/transcript

We all get the same 24 hours – but it sure doesn’t always feel that way, does it? Why is it that some people seem to have time for hobbies, meaningful conversations, even a slow cup of coffee, while others are just trying to survive the day on repeat? Today, we’re breaking down what it really takes to build a life that feels enjoyable, sustainable, and manageable… not rushed and reactive. And a crucial part of that equation are smart money decisions and intentional choices about how we spend our time. Our friend Andy Hill is here to share his wisdom. Andy runs Marriage, Kids & Money, and he’s the real deal – someone who has put in the work and built a life guided by values, freedom, and family. Everything he shares today comes from experience, not theory. Some of the topics we get to:
Best reason every for tracking and budgeting
Importance of effective communication with a partner
Cutting expenses shouldn't mean depriving yourself of joy
The debt hatred method focuses on paying off emotionally burdensome debts first
Transitioning to solopreneurship can provide more control over your time
Experimenting with work-life balance can lead to a more fulfilling life
What “FU” money affords you
Life is for living, not just saving for the future
And plenty more!

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
Andy:Own Your Time is the book, and Marriage, Kids, and Money is the podcast.
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!

We all get the same 24 hours &ndash; but it sure doesn&rsquo;t always feel that way, does it? Why is it that some people seem to have time for hobbies, meaningful conversations, even a slow cup of coffee, while others are just trying to survive the day on repeat? Today, we&rsquo;re breaking down what it really takes to build a life that feels enjoyable, sustainable, and manageable&hellip; not rushed and reactive. And a crucial part of that equation are smart money decisions and intentional choices about how we spend our time. Our friend Andy Hill is here to share his wisdom. Andy runs Marriage, Kids &amp; Money, and he&rsquo;s the real deal &ndash; someone who has put in the work and built a life guided by values, freedom, and family. Everything he shares today comes from experience, not theory. Some of the topics we get to:
<ul>
<li aria-level="1">Best reason every for tracking and budgeting</li>
<li aria-level="1">Importance of effective communication with a partner</li>
<li aria-level="1">Cutting expenses shouldn't mean depriving yourself of joy</li>
<li aria-level="1">The debt hatred method focuses on paying off emotionally burdensome debts first</li>
<li aria-level="1">Transitioning to solopreneurship can provide more control over your time</li>
<li aria-level="1">Experimenting with work-life balance can lead to a more fulfilling life</li>
<li aria-level="1">What &ldquo;FU&rdquo; money affords you</li>
<li aria-level="1">Life is for living, not just saving for the future</li>
<li aria-level="1">And plenty more!</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">Andy: <a href="https://amzn.to/3MvmwBN">Own Your Time</a> is the book, and <a href="https://marriagekidsandmoney.com/">Marriage, Kids, and Money</a> is the podcast.</li>
<li aria-level="1">Credit card perks:&nbsp;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>
<li aria-level="1"></li>
<li aria-level="1"></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!

Own Your Time: Build a Life You Control w/ Andy Hill #1088

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/2898e4c9-9cc7-4f3f-93d7-b3af010b99f4/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 - Camper purchase: should I use my HELOC to replenish my emergency fund that we used to buy a used camper?

2 - Baby wealth: what accounts do I prioritize for my twins future and how should I be thinking about generational wealth?

3 - Expensive gyms: is it frugal or cheap to not tell my gym that I’m still paying the old rates?

4 - Apartment hunting: how should I approach the conversation with my landlord about breaking my lease due to our growing family?

5 - Crypto: is it a good idea to invest in individual stocks and crypto if they’re already represented in my portfolio via an index?

 

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 Dulce Muerte by Incendiary Brewing - a huge thanks to Brandon for donating this one to the show! 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 - Camper purchase: should I use my HELOC to replenish my emergency fund that we used to buy a used camper?
2 - Baby wealth: what accounts do I prioritize for my twins future and how should I be thinking about generational wealth?
3 - Expensive gyms: is it frugal or cheap to not tell my gym that I&rsquo;m still paying the old rates?
4 - Apartment hunting: how should I approach the conversation with my landlord about breaking my lease due to our growing family?
5 - Crypto: is it a good idea to invest in individual stocks and crypto if they&rsquo;re already represented in my portfolio via an index?
&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 Dulce Muerte by Incendiary Brewing - a huge thanks to Brandon for donating this one to the show! 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 - Gym Edition Frugal or Cheap, Blaming the Baby for Lifestyle Upgrades, and Dipping into Savings for a Camper #1087

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/d8dfbf09-8c8e-4a26-abf1-b3cb0117ec47/transcript

Weird Finance Bonus w/ Paco de Leon

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