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How to Money · July 27, 2026 · 51m

Ask HTM - Vital Insurance That’s Not On Your Radar, Budgeting w/ A Variable Income, & Taxes Owed When You Sell Your House #1171 (Bestie Ep)

Hosts Matt and Joel answer listener questions covering budgeting with variable income, saving for a child's 529 college plan, avoiding capital gains on home sales, the importance of long-term disability insurance, and how to make the most of months with an extra paycheck.

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

Highlights

Budgeting with a Variable Income
A listener asks how to create a budget when income is unpredictable.
Saving for a Child's 529 Plan
New parents ask how much they should aim to invest in a 529 college savings plan.
Capital Gains on Home Sale
A listener asks how to avoid capital gains taxes when selling a primary residence.
Long-Term Disability Insurance
The hosts answer whether most people should have long-term disability insurance.
Three Paycheck Months
A listener asks how to take advantage of months with an extra paycheck due to a biweekly pay schedule.

Misc

During this episode the hosts enjoyed a Malpais Stout by La Cumbre Brewing, donated by a listener named Bob.
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