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How to Money · June 8, 2026 · 56m

Ask HTM – Butting Heads with Investing Gurus, 4% Mortgage Ripoff, & Hoarding Cash at Retirement #1150

Show Notes

In this listener Q&A, the hosts tackle four money questions: whether they agree with JL Collins' investing philosophy, why a 4% mortgage feels like a ripoff, how to balance cash and stocks near retirement, and what to do with surplus income. They discuss the amortization schedule that front-loads interest, the sequence of returns risk in retirement, and their own Money Gears framework for allocating extra money. The episode provides practical, grounded advice on common financial dilemmas.

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

Canon

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Balancing cash and stocks near retirement to manage sequence risk
For those nearing retirement, the hosts weigh the need for cash safety against the long-term growth needed to outpace inflation.
ClaudeChatGPTGemini

Editorial

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Evaluating JL Collins' investing principles
The hosts discuss whether they agree with JL Collins' simple, low-cost index fund approach from The Simple Path to Wealth.
ClaudeChatGPTGemini
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Amortization explains why a 4% mortgage feels like a 45% rip-off
The hosts explain how mortgage amortization schedules front-load interest payments, making it seem like you're paying a much higher rate early on.
ClaudeChatGPTGemini
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Using the Money Gears framework to allocate surplus income
The hosts outline their Money Gears system to decide what to do with extra cash, from emergency savings to investing to intentional spending.
ClaudeChatGPTGemini

References

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The Simple Path to Wealth — JL Collins

Misc

✧The hosts enjoyed the beer Here’s To Feeling Good All The Time by Bissell Brothers during the episode.
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