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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

Everywhere you look, people are talking about AI. Some say it’s going to save the world; others think it might break it. But while the headlines focus on sci-fi futures and big-tech battles, we’re interested in something a little closer to home: what does all of this actually mean for us as everyday, DIY investors – today, and over the next decade? Fortunately, we don’t have to wing it. Vanguard’s global chief economist, Joseph Davis, has been studying the forces shaping our financial future – AI included. And in his new book, Coming Into View, he breaks down the megatrends that are poised to reshape the investing landscape. Today we discuss:
 
 • How Vanguard's mission focuses on aligning investor interests with their work
 • Predictions about lower future returns are based on economic fundamentals
 • AI's impact on productivity will extend beyond the tech sector
 • Cost management in investments is crucial for long-term success
 • Demographics alone do not determine economic growth outcomes
 • The importance of diversification in investment portfolios remains unchanged
 • Investors should stress-test their financial goals against potential market scenarios
 • And much more!
 
 
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 • To dig into more of how AI will impact your portfolio, check out 
Joe’s book: Coming Into View • 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.
 • Find a thriving community of fellow money nerds by joining the 
HTM Facebook group! • 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!
 
 
 
Best friends out!

See omnystudio.com/listener for privacy information.

How AI Will Impact Your Investments w/ Vanguard's Joe Davis #1061

Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!
 
 
 
1 - Open enrollment: what factors should I consider when hopping to a more affordable health insurance provider?
 
2 - Buy now pay later: how much of a discount would have to be offered to make a “pay in 4” worth considering?
 
3 - Money gears: should I hit pause on investing in order to finally get rid of my credit card debt?
 
4 - Credit score: would paying down my mortgage early hurt my credit score and my ability to invest in real estate later?
 
5 - Savings rate: should I include dollars automatically invested into my 401k when calculating my savings rate?
 
 
 
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. • Massively reduce your 
cell phone bill • each month by switching to a discount provider like Mint Mobile.
 
 
 
During this episode we enjoyed an Upside Dawn by Athletic! 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!

See omnystudio.com/listener for privacy information.

Ask HTM - Open Enrollment Entanglements, Worthwhile BNPL Scenarios, & Continuing to Investing with Outstanding Debt #1060

Time for a Friday Flight- our little sampling of the week’s 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:
 
 Timeshare rescission periods $50k average for new cars Shorter car loans please Repos on the rise $10k new car tax break Occupation consternation AI labor market anxiety Career plan Bs $100 work lunch budgets Frugal habits going mainstream Creepy dumb chore robots Ads everywhere Avoiding the marketing 
 
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 • 11 questions to ask yourself, 
before quitting your job. • 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. • 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!

See omnystudio.com/listener for privacy information.

Friday Flight - Ridiculous Car Refinancing, Occupation Consternation, & Ads Everywhere #1059

Nearly 100 years ago, economist John Maynard Keynes predicted that we’d be working 15-hour weeks by now due to gains in productivity and technology. Tim Ferriss claims that you can pretty much do it all in a 4-hour workweek! Neither of those seem plausible but our guest today takes a much more reasonable approach and says that 4-day work weeks are not only feasible but can lighten the load, allowing us to live more life – all while being more productive! Juliet Schor is an economist and professor of sociology at Boston College and is best known for her research on work, consumption, and economic inequality. Some of the topics discussed today include:
 
 • How cultural attitudes towards work can hinder progress
 • Four-day work week can improve productivity and employee satisfaction
 • Companies are beginning to recognize the benefits of shorter work weeks
 • People often prioritize work over personal life due to societal pressures
 • Ways to advocate and push for a more reasonable work week
 • Navigating a post-growth world requires reevaluating consumption habits
 • No amount of money can compensate for more work among certain workers
 • And plenty more!
 
 
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 • Be sure and check out 
Juliet’s book, Four Days A Week: The Life-Changing Solution for Reducing Employee Stress, Improving Well-Being, and Working Smarter • 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.
 • Find a thriving community of fellow money nerds by joining the 
HTM Facebook group! • 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!
 
 
 
Best friends out!

See omnystudio.com/listener for privacy information.

Work Less, Live More w/ Juliet Schor #1058

Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!
 
 
 
1 - Tax help: where should I find a tax professional and how much should one cost?
 
2 - Frugal or cheap: should I continue to reuse ziploc bags if I have millions in the bank?
 
3 - Revocable trust: does it make sense to update my parents' trust or should they scrap it for a brand new one?
 
4 - Savings rates: what’s going on with HYSA interest rates?
 
5 - Termites: is it time to take matters into my own hands or do I just pay to renew the termite warranty?
 
 
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 • Learn how you can take on some 
DIY pest control • that will give you professional results at a fraction of the cost. And a 
Bug-A-Salt gun • is fun and actually works- especially on house flies!
 • 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. • Massively reduce your 
cell phone bill • each month by switching to a discount provider like Mint Mobile.
 
 
 
During this episode we enjoyed a The Scars on Greedy Palms by Burial! 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!

See omnystudio.com/listener for privacy information.

Ask HTM - Spending on a Tax Pro, Frugal Practices for Millionaires, & Ending a Termite Bond #1057

Time for a Friday Flight- our little sampling of the week’s 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:
 
 • Candy buyback
 Eating roadkill?! Affordable Thanksgiving dinner Discount burnout Bubble trouble What even is “bearish” High on gold Leveraged ETFs Bummed after winning the bidding war Renters rejoice Luxury apartment con job Gen Z credit hurdles 
 
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 • I’m not sure who needs to hear this but 
Health Savings Accounts, or HSAs, are the ultimate retirement accounts. • 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. • 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!

See omnystudio.com/listener for privacy information.

Friday Flight - Discount Burnout, Bubble Trouble, & Rejoicing Renters (plus roadkill, gold bars, more...) #1056

A financial advisor WON’T magically fix your money problems, but many folks assume that by hiring a professional, they’re well on their way to financial success. Maybe, but maybe not, because a bunch of different factors come into play. And who better to have this discussion with other than award-winning investor advocate and financial educator Pam Krueger. She began her career as a stockbroker before moving into financial media, where she created and co-hosted the PBS series MoneyTrack where her work emphasizes transparency, investor protection, and understanding how advisors are compensated. Pam is also the founder and CEO of Wealthramp, a platform that connects consumers with vetted fiduciary financial advisors and today we discuss: 
 
 • Determining if you should DIY or delegate
 • The one silver bullet in everyone’s financial journey
 • Conflicts of interest and the fiduciary standard
 • Fee-only advisors, unbiased advice without commissions
 • Expecting transparency in advisor fees
 • Paying for “meh” financial advice
 • Breaking up with an advisor if you’re unhappy
 • How Wealthramp advisors are vetted and finding the right advisor for you!
 
 
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 • Head to 
HowToMoney.com/advisor • if you’re interested in a SOLID financial advisor who will be a great fit for you.
 • 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.
 • Find a thriving community of fellow money nerds by joining the 
HTM Facebook group! • 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!
 
 
 
Best friends out!

See omnystudio.com/listener for privacy information.

DIY or Delegate: the Financial Advisor Conundrum w/ Pam Krueger #1055

Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!
 
 
 
1 - Savings rates: how should I account for a disability payment when calculating my savings rate?
 
2 - $300,000: if I want to retire early in a couple years, what should I do with a settlement payout?
 
3 - 401k faux pas: WTD with my 401k that I overcontributed to last year?
 
4 - New car: how should I save up for a new ride I might buy in 5-6 years?
 
5 - Credit repair: student loan autodraft got dropped, credit score busted, now pay to get it fixed? 
 
 
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 Calculating your savings rate • and knowing that single metric can give your finances the boost needed to achieve early retirement.
 • 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. • Massively reduce your 
cell phone bill • each month by switching to a discount provider like Mint Mobile.
 
 
 
During this episode we enjoyed a Presence of Another World by Bissell Brothers! 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!

See omnystudio.com/listener for privacy information.

Ask HTM – Sinking Funds for BIG Purchases, PTO Advances, & Investing for Early Retirement #1054

Time for a Friday Flight- our little sampling of the week’s 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:
 
 The running industrial complex Exorbitant cost of running tourism Lead in the protein powders More money leading to sloppier habits Moneyless millionaires AI takes on ecommerce Subs for the suds Silly names are killing craft beer Credit card churning Premium cards with premium fees HSAs are going mainstream Rx vending machines 
 
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 • I’m not sure who needs to hear this but 
Health Savings Accounts, or HSAs, are the ultimate retirement accounts. • 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. • 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!

See omnystudio.com/listener for privacy information.

Friday Flight - Moneyless Millionaires, Credit Card Churning & AI Goes E-Commerce #1053

Figuring out your money is tough enough if you’re flying solo. Doing it with your partner ramps up the difficulty level because you're throwing in varied money history, habits, and goals. It can create a lot of friction! Our guests today have a lot of great advice for couples looking to do better with their finances and create a ‘team vibe’ with their partner. If you looked up the definition of ‘power couple’ in the dictionary, you just might see a picture of Doug and Heather Boneparth next to it. Doug has built his own successful financial advisor firm while simultaneously tweeting hilarious memes. Heather is a former corporate attorney and director of business affairs for that firm, Bona Fide Wealth. They’ve written the fabulous new book ‘Money Together’ which launches next week on the 28th, and today we discuss:
 
 • How understanding individual money histories is crucial for couples
 • Impact of shame around finances
 • Balancing individual and shared goals
 • Creating positive financial vibes
 • Regular money dates 
 • Investing in one area often requires sacrifices in another
 • It's important to recognize the contributions beyond monetary income
 • And plenty more!
 
 
 
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
 
 DoMoneyTogether.com • is where you can go to learn all about Heather and Doug’s book. 
ReadTheJointAccount.com • is their newsletter and 
BoneFideWealth.com • is their wealth advisory firm.
 • 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.
 • Find a thriving community of fellow money nerds by joining the 
HTM Facebook group! • 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!
 
 
 
Best friends out!

See omnystudio.com/listener for privacy information.

Can Love Survive a Budget!? w/ Doug & Heather Boneparth #1052

67 million people are anticipating having trouble paying their bills due to the fallout from Coronavirus. A lot of us have seen our income drastically cut, or maybe you don’t have ANY income at the moment. It’s important to prioritize our money now and conserve our cash, because in a tough economic cycle we might have more need for it. So the time has come for many of us to tighten our belts and cut some expenses so that our finances can survive the economic hardship that many of us are facing. There are changes that need to happen, but what expenses do we need to look to in order to make a dent in our monthly or annual expenses?

During this episode we enjoyed a Mr. Blue 2019 Edition by TO ØL Beer- thanks to Jeremy in NC for donating this one to the show! And as we ramp up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!

Best friends out!

 
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See omnystudio.com/listener for privacy information.

Cutting Expenses in Times of Financial Distress #185

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