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

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 - Collections: Is waiting for my unexpected medical bill to head to collections a good or great strategy?

2 - Student loans: What should I do while my student loans are in administrative forbearance?

3 - HSA: Will I be able to reimburse myself for kid medical expenses off in the future when they have their own insurance?

4 - Preggo: After Money Gear 7, what should be our next top priority since we’re now expecting a baby this summer?

5 - Infidelity: What do I do about the secret debt my wife racked up over the holidays?

 

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 Vienna Lager 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 - Collections: Is waiting for my unexpected medical bill to head to collections a good or great strategy?
2 - Student loans: What should I do while my student loans are in administrative forbearance?
3 - HSA: Will I be able to reimburse myself for kid medical expenses off in the future when they have their own insurance?
4 - Preggo: After Money Gear 7, what should be our next top priority since we&rsquo;re now expecting a baby this summer?
5 - Infidelity: What do I do about the secret debt my wife racked up over the holidays?
&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 Vienna Lager 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 - Student Loans in Administrative Forbearance, Intentionally Entering into Collections, and Financial Infidelity #1102

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/11262ea4-b174-487b-a856-b3e8016d333f/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:
Hidden skimp-flation
Plunging prices
Full coverage premiums on the decline
Costco bests Aldi
DoorDash dependency
Headhunters turned breadhunters
Ghost jobs
Sourdough baking in the cash
Day-trading Doris
Volunteering to better health and life satisfaction
Unretiring
Drugs on TrumpRx
WTD about home prices
Buying a house with a friend
No minimum credit scores for mortgages
False Identity Theft Reporting… is a crime

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
Credit score: No shortcuts but actual ways to boost your credit score.
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://ofdollarsanddata.com/is-inflation-higher-than-we-think/">Hidden skimp-flation</a></li>
<li aria-level="1"><a href="https://www.npr.org/2026/02/03/nx-s1-5697941/pepsi-prices-cheetos-doritos-super-bowl-snacks?">Plunging prices</a></li>
<li aria-level="1"><a href="https://www.axios.com/2026/02/03/car-insurance-rates-falling-rising-states-map">Full coverage premiums on the decline</a></li>
<li aria-level="1"><a href="https://www.consumerreports.org/money/prices-price-comparison/most-and-least-expensive-supermarkets-a3157951568/">Costco bests Aldi</a></li>
<li aria-level="1"><a href="https://www.nytimes.com/2026/01/30/dining/food-delivery-apps-doordash-uber.html">DoorDash dependency</a></li>
<li aria-level="1"><a href="https://www.wsj.com/lifestyle/careers/job-hunters-are-so-desperate-that-theyre-paying-to-get-recruited-44891ac2?mod=hp_lead_pos2">Headhunters turned breadhunters</a></li>
<li aria-level="1"><a href="https://www.theguardian.com/commentisfree/2025/dec/17/ghost-jobs-robot-gatekeepers-ai-interview-job-hunting">Ghost jobs</a></li>
<li aria-level="1"><a href="https://www.nytimes.com/2026/01/26/dining/home-bakers-sourdough-microbakeries.html">Sourdough baking in the cash</a></li>
<li aria-level="1"><a href="https://alphaarchitect.com/trading-behavior/">Day-trading Doris</a></li>
<li aria-level="1"><a href="https://www.msn.com/en-us/news/us/here-s-a-proven-way-to-slow-aging-any-volunteers/ar-AA1VjjJo">Volunteering to better health and life satisfaction</a></li>
<li aria-level="1"><a href="https://www.cnbc.com/2026/02/05/unretiring.html">Unretiring</a></li>
<li aria-level="1"><a href="https://www.axios.com/newsletters/axios-am-75d53bf6-34c4-4e43-ad0a-a52414b18845.html?chunk=3&amp;utm_term=emshare#story3">Drugs on TrumpRx</a></li>
<li aria-level="1"><a href="https://www.nytimes.com/2026/02/04/business/trump-housing-prices-affordability-real-estate.html?">WTD about home prices</a></li>
<li aria-level="1"><a href="https://finance.yahoo.com/news/millennials-carpooling-homes-teaming-non-140740871.html">Buying a house with a friend</a></li>
<li aria-level="1"><a href="https://finance.yahoo.com/personal-finance/mortgages/article/credit-score-changes-for-mortgages-in-2026-171156109.html?">No minimum credit scores for mortgages</a></li>
<li aria-level="1"><a href="https://consumer.ftc.gov/consumer-alerts/2026/01/influencers-are-pushing-illegal-trick-fix-your-credit-report?">False Identity Theft Reporting&hellip; is a crime</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 score: <a href="https://www.howtomoney.com/rebuild-credit/">No shortcuts but actual ways to boost your credit score.</a></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>
</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 - Stealthy Skimpflation, Janky Job Markets, & Day-Trading Doris #1101

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/bc81196d-ade8-47fc-82f2-b3ed0146255e/transcript

Money fights are one of the most common, and most damaging, sources of tension in a relationship. Whether it’s spending, debt, or mismatched financial goals, those arguments can quietly erode trust and connection over time. But here’s the good news: money doesn’t have to be the thing that drives couples apart. When partners develop healthy financial habits and learn how to communicate about money, it can actually strengthen their relationship. Which is why we’re excited to welcome Dr. Sonya Lutter to the show today. She’s both a marriage therapist and a financial planner, and she leads the Financial Health & Wellness program at Texas Tech. She brings a rare, research-backed perspective on how couples can keep money from becoming a stumbling block and instead make it a source of teamwork. Today we discuss: 
How financial therapy combines finance and emotional support
Perception of financial wellness often differs from reality
Financial stress impacts decision-making abilities
Biological responses to stress affect financial decisions
Regular financial conversations can prevent conflicts
The most common relational dynamic that leads to money fights
How financial infidelity can be as damaging as sexual infidelity
And much more!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
Sonya: All things Sonya over at her website, SonyaLutter.com
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!

Money fights are one of the most common, and most damaging, sources of tension in a relationship. Whether it&rsquo;s spending, debt, or mismatched financial goals, those arguments can quietly erode trust and connection over time. But here&rsquo;s the good news: money doesn&rsquo;t have to be the thing that drives couples apart. When partners develop healthy financial habits and learn how to communicate about money, it can actually strengthen their relationship. Which is why we&rsquo;re excited to welcome Dr. Sonya Lutter to the show today. She&rsquo;s both a marriage therapist and a financial planner, and she leads the Financial Health &amp; Wellness program at Texas Tech. She brings a rare, research-backed perspective on how couples can keep money from becoming a stumbling block and instead make it a source of teamwork. Today we discuss:&nbsp;
<ul>
<li aria-level="1">How financial therapy combines finance and emotional support</li>
<li aria-level="1">Perception of financial wellness often differs from reality</li>
<li aria-level="1">Financial stress impacts decision-making abilities</li>
<li aria-level="1">Biological responses to stress affect financial decisions</li>
<li aria-level="1">Regular financial conversations can prevent conflicts</li>
<li aria-level="1">The most common relational dynamic that leads to money fights</li>
<li aria-level="1">How financial infidelity can be as damaging as sexual infidelity</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">Sonya: All things Sonya over at her website, <a href="http://sonyalutter.com/">SonyaLutter.com</a></li>
<li>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!

Talk About Money Without Fighting w/ Dr. Sonya Lutter #1100

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/66c78806-e84a-4ee6-9a75-b3b5010f7c11/transcript

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

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