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How to Money · May 25, 2026 · 56m

Ask HTM – Sinking Fund or Pet Insurance, Balance Transfer Card Bonus, & Backfilling an HSA #1144

Show Notes

Joel and Matt answer listener questions on pet insurance, college savings, HSA backfilling, cashless teen spending, and balance transfer cards. They discuss the trade-offs and provide practical personal finance advice.

This summary was generated from show notes and public descriptions, not from a full transcript review. Details may contain inaccuracies.

Highlights

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Listener Q&A format
The hosts fielded several listener-submitted money questions covering pet insurance, education savings, health savings accounts, teen spending, and credit card balance transfers.
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Pet insurance vs. sinking fund for upcoming vet costs
A listener expecting large vet bills for their dog asked whether to continue pet insurance or self-fund with a sinking fund.
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Roth IRA vs. 529 plan for college savings
A parent asked if they should save for their son’s college in a Roth IRA instead of a 529 plan for more flexibility.
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Backfilling an HSA after a large medical payment
A listener wondered if they could pay a medical bill out-of-pocket and later reimburse themselves from their HSA in order to let the HSA investments grow.
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Cashless spending for a teenager at summer camp
A parent asked for the best way to give their 14-year-old spending money at a cashless summer camp.
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0% balance transfer cards with cash-back rewards
A listener questioned whether balance transfer cards can also offer meaningful cash-back benefits.
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Misc

✧During this episode the hosts enjoyed a Grapefruit Substance beer by Bissell Brothers.
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