How often do you stop to consider that your hormones might be the ones clicking "Add to Cart"? We like to pretend money is just logic and spreadsheets, but let’s be real: it’s emotional, it’s messy, and it’s never just about the numbers. If you’re tired of carrying the weight of old financial mistakes or wondering why you’re stuck in the same self-sabotaging loops, this episode is your manual for a reset. Today, we’re joined by Shannah Game, a CFP and Money Therapist who bridges the gap between your brain and your bank account. Get ready to ditch the shame, kill the stress, and finally build a relationship with money that actually feels good. Today we discuss: 
How even successful folks feel stressed about their money
Importance of communication with your parter
Understanding and enjoying the financial journey in addition to goals
Identifying ‘enough’
Recognizing the ways you’re crushing it
Financial growth accompanied by emotional growth
Impact of your finances on your overall well-being
And much more!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
Shannah: Find everything “Shannah” at her site, HeyShannah.com, including her book Unraveling Your Relationship With Money.
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!

How often do you stop to consider that your hormones might be the ones clicking "Add to Cart"? We like to pretend money is just logic and spreadsheets, but let&rsquo;s be real: it&rsquo;s emotional, it&rsquo;s messy, and it&rsquo;s never just about the numbers. If you&rsquo;re tired of carrying the weight of old financial mistakes or wondering why you&rsquo;re stuck in the same self-sabotaging loops, this episode is your manual for a reset. Today, we&rsquo;re joined by Shannah Game, a CFP and Money Therapist who bridges the gap between your brain and your bank account. Get ready to ditch the shame, kill the stress, and finally build a relationship with money that actually feels good. Today we discuss:&nbsp;
<ul>
<li aria-level="1">How even successful folks feel stressed about their money</li>
<li aria-level="1">Importance of communication with your parter</li>
<li aria-level="1">Understanding and enjoying the financial journey in addition to goals</li>
<li aria-level="1">Identifying &lsquo;enough&rsquo;</li>
<li aria-level="1">Recognizing the ways you&rsquo;re crushing it</li>
<li aria-level="1">Financial growth accompanied by emotional growth</li>
<li aria-level="1">Impact of your finances on your overall well-being</li>
<li aria-level="1">And much 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">Shannah: Find everything &ldquo;Shannah&rdquo; at her site, <a href="http://heyshannah.com/">HeyShannah.com</a>, including her book <a href="https://amzn.to/4aTFhIS">Unraveling Your Relationship With Money.</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!

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

Why Being “Good With Money” Still Feels So Hard w/ Shannah Game #1103

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/7ec748ad-6c9f-4ef0-8052-b3f401177b81/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:
Insurgent I-bonds
Small business swipe fees
Credit card limits lowered
Trendy tiny homes
Smaller homes in walkable communities
Recurring handyman subscription fees
Millennial early retirement
Cutting back on the big 3
AI financial advisors
Chat privacy risks
Why the AI hate?

 

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.usatoday.com/story/money/personalfinance/2026/05/06/inflation-investing-i-bonds/89932972007/">Insurgent I-bonds</a></li>
<li aria-level="1"><a href="https://www.wsj.com/finance/regulation/the-fees-that-fund-your-rewards-credit-card-are-facing-a-state-battle-a58da739?mod=hp_lead_pos6">Small business swipe fees</a></li>
<li aria-level="1"><a href="https://www.cnbc.com/select/what-to-do-credit-limit-decrease/">Credit card limits lowered</a></li>
<li aria-level="1"><a href="https://www.washingtonpost.com/business/2026/04/20/tiny-homes-affordable-housing-zoning/?">Trendy tiny homes</a></li>
<li aria-level="1"><a href="https://www.theatlantic.com/newsletters/2026/04/small-american-dream-house/687011/">Smaller homes in walkable communities</a></li>
<li aria-level="1"><a href="https://www.nytimes.com/2026/04/30/business/dealbook/casa-handyman-start-up.html?smid=em-share">Recurring handyman subscription fees</a></li>
<li aria-level="1"><a href="https://finance.yahoo.com/economy/article/millennials-want-to-retire-in-their-50s-the-math-doesnt-work-135527076.html?.tsrc=372&amp;ncid=crm_-2081200-20260501-1--A&amp;bt_user_id=2coP9OaUITXVjLwswLcm1SqsLKQmtHtfunugYcxDl0sgCOVK98dd0Nd3BTCqy6ezbAgmxIT196zuGTYrir1o2rw%2BqECPnVTdzbVSAH6E4DCzN5wbSd%2FZKeBidJ5W9LNb&amp;bt_ts=1777629708370&amp;guccounter=1">Millennial early retirement</a></li>
<li aria-level="1"><a href="https://archive.is/8Pk0D#selection-1739.0-2389.38">Cutting back on the big 3</a></li>
<li aria-level="1"><a href="https://www.investmentnews.com/fintech/y-combinator-backed-ai-robo-advisor-astor-raises-5-million/266329">AI financial advisors</a></li>
<li aria-level="1"><a href="https://www.washingtonpost.com/business/2026/04/25/ai-financial-advice-privacy-concerns/?">Chat privacy risks</a></li>
<li aria-level="1"><a href="https://www.axios.com/2026/05/17/ai-backlash-polling-sentiment">Why the AI hate?</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 - Insurgent I-Bonds, Trendy Tiny Homes, & Cutting The Big 3 #1143

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/e15018cd-a6d9-4413-8514-b44f0146c12e/transcript

Most of us think of college as an investment… one that hopefully pays off over decades. And for a lot of people, it does. But with costs skyrocketing, it’s not quite the slam dunk it used to be. So what if you could flip that equation? What if instead of paying for college, college paid you? Our guest today did exactly that. Nia Baiyeroju earned over a million dollars in scholarships and now she’s helping others do the same. She’s here to break down how it works and how you can take advantage of the estimated $100 billion in available funds. We specifically discuss:
Leveraging your unique story
An unlikely social media platform to find scholarships
Casting a wide net and going for smaller opportunities
Losing $20,000 bc of a missing headshot
Sidestepping the headache of filling out applications
The value of internships
Hustling, burnout, and mental health
Importance of stated goals and community
And much more!

Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances:
Nia: See what else Nia is up to over on her site and allthesocials!
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!

Most of us think of college as an investment&hellip; one that hopefully pays off over decades. And for a lot of people, it does. But with costs skyrocketing, it&rsquo;s not quite the slam dunk it used to be. So what if you could flip that equation? What if instead of paying for college, college paid you? Our guest today did exactly that. Nia Baiyeroju earned over a million dollars in scholarships and now she&rsquo;s helping others do the same. She&rsquo;s here to break down how it works and how you can take advantage of the estimated $100 billion in available funds. We specifically discuss:
<ul>
<li aria-level="1">Leveraging your unique story</li>
<li aria-level="1">An unlikely social media platform to find scholarships</li>
<li aria-level="1">Casting a wide net and going for smaller opportunities</li>
<li aria-level="1">Losing $20,000 bc of a missing headshot</li>
<li aria-level="1">Sidestepping the headache of filling out applications</li>
<li aria-level="1">The value of internships</li>
<li aria-level="1">Hustling, burnout, and mental health</li>
<li aria-level="1">Importance of stated goals and community</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">Nia: See what else Nia is up to over <a href="https://niaknowsfinance.com/">on her site</a> and <a href="https://www.instagram.com/niaknowsfinance/">all</a> <a href="https://www.tiktok.com/@niaknowsfinance">the</a> <a href="https://www.youtube.com/@niaknowsfinance">socials</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!

The $1M Scholarship Strategy w/ Nia Baiyeroju #1142

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/3621be70-8a4b-4edc-87f8-b411013b2679/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

Why Being “Good With Money” Still Feels So Hard w/ Shannah Game #1103

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