How to Money

In this Friday Flight, Joel and Matt cover a range of personal finance topics, including strategies for maximizing college savings through 529 plans, the decline of home economics education, the debate over eliminating pennies, credit card debt trends among Gen Z, and why most stock pickers underperform. The episode offers practical takeaways to help listeners make smarter money moves.

Joel and Matt sit down with Richelle Gamlam, founder of Move Abroad Coach, to explore the financial and lifestyle benefits of relocating to another country. Richelle draws on 12 years of international living and experience helping over 3,000 people make the leap to discuss how moving abroad can lower living costs, improve healthcare access, and open up new work possibilities through remote jobs and digital nomad visas. She also emphasizes that a successful move requires treating it as real life, not a vacation, and choosing a place that actually fits your daily needs and values, not just a fantasy. The conversation covers practical considerations including family logistics, mindset shifts, and the personal growth that comes from navigating a new culture.

Joel and Matt answer listener questions in this Q&A episode. They cover financing a home with other people's money, managing an inherited $300,000 401k, using a Vanguard digital advisor, celebrating a mortgage payoff milestone, and the backdoor Roth IRA strategy.

Joel and Matt break down a sampling of the week's financial news in their Friday Flight format. They cover a range of personal finance topics including upward trends in early retirement claims, signs of increased competition in the auto insurance market that could benefit consumers, and practical strategies for generating passive income. The hosts also discuss the pitfalls of HOA rules, the rising number of adult children living with their parents, tough market conditions for realtors, and the prevalence of 'ghost jobs' in online listings. The conversation focuses on extracting actionable takeaways from each headline to help listeners make smarter money moves.

Wes Moss joins Joel and Matt to discuss his new research on what makes retirement satisfying beyond just the financial numbers. He explains that many retirees are anxious or regretful, and that money alone does not erase anxiety. Moss shares his 'money green zones' for investable assets, income, and mortgage timing, and emphasizes that purpose, core pursuits, and community must be built well before leaving work. The conversation also covers the strong happiness boost from simply knowing you could retire, even if you choose not to, and the growing challenge of making friends as we age.

Joel and Matt answer listener questions on personal finance. Topics include whether to pay down a super-low 2.8% mortgage with extra savings, how to handle taxes on brokerage dividends and the concept of 'tax drag', the security concerns around entering credit card info into card-maxing apps, and whether it's reasonable to finance central air when window units can't keep up with summer heat. The hosts provide practical, no-nonsense guidance rooted in long-term thinking and risk management.

Matt and Joel break down the week's financial headlines into actionable personal finance takeaways. They discuss America's rising national debt and what it means for individual wallets, the psychology behind constant online shopping, creative ways to save money on travel like mystery vacations and travel eSIMs, the financial dynamics of joint bank accounts for couples, and the pros and cons of buy now, pay later services.

Author Joseph Moore joins to discuss his book How To Get Rich In American History, challenging the myth that earlier eras were easier. He explains why nostalgia distorts our financial expectations, how the American Dream has been declared dead for centuries, and why optimism and an internal locus of control have always been essential for building wealth. Moore also debunks real estate myths, recasts the role of women's income, and offers five timeless takeaways: solve problems, take risks, move, marry well, and believe you can do it.

Joel and Matt answer listener questions on HSAs, dividend stocks, getting into real estate through renovation and renting, and building cash reserves for retirement.

A Friday Flight episode covering a range of personal finance news stories. The hosts discuss the downsides of the student loan payment pause, the risks of using home equity as a piggy bank, and the importance of monitoring credit card statements for fraud. They also tackle the pitfalls of taking financial advice from friends, the rise of surveillance pricing at grocery stores, and why checks are outdated. The episode aims to provide actionable takeaways for listeners to improve their finances.

Joel and Matt talk with Kristy and Bryce of Millennial Revolution about their book "Parent Like a Millionaire (Without Being One)." They explore the financial pressures that discourage people from having kids, challenge inflated estimates of child-rearing costs, and share practical strategies like nanny sharing, avoiding lifestyle inflation, and teaching kids financial autonomy. The conversation emphasizes that raising children well is more about intentionality and community than a seven-figure bank account.

Hosts Joel Larsgaard and Matt Altmix answer listener questions in this Q&A episode, covering the struggles of being house poor, whether Aldi still accepts the Amex Blue Cash Preferred card, how to handle expensive newborn delivery costs, and tips for avoiding fees at car dealerships.

This Friday Flight episode rounds up the week's personal finance news and connects it to everyday money decisions. The hosts cover cash hoarding, the arrival of the $20 burrito, small real wage gains, persistent big bank fees, and the pension-ification of 401(k) plans. They also touch on spendy sports, shot-through shirts, work-from-home fees, Gen Z investing habits, mandated self-checkout, and what not to buy. Each story is boiled down to a practical takeaway for listeners.

Jesse Mecham, founder of YNAB, joins How to Money to discuss his new book Never Worry About Money Again. He argues that the path to worrying less about money isn't endless deprivation but more intentional spending. The conversation covers financial worry as background noise, money as self-expression, and why he believes people should love money. He also shares practical ways to simplify money systems and align spending with personal values.

Joel and Matt answer listener questions about navigating big money decisions. They cover where to park short-term home-buying cash, how to evaluate a refinance by payback period rather than rate drop alone, and why broad index funds beat narrow ETFs for long-term investors. They also discuss the risk of taking stock tips from family and when a HELOC makes sense as a backup line of credit versus a reverse mortgage.

In this Friday Flight episode, the hosts cover the week's top personal finance stories, including cooling grocery prices, the trap of premium credit cards, rising 'funflation,' record-breaking credit card debt versus investments, and the uncertain future of Social Security. They break down what these headlines mean for your money and offer practical takeaways to help you get ahead.

In this episode, Joel and Matt are joined by Jack Raines, author of Young Money, to discuss how young adults can navigate the tension between building wealth and living with purpose. Raines argues that your 20s are a unique decade for taking risks, avoiding mindless toil, and prioritizing enjoyment over conventional markers of success. He challenges the extremes of the FIRE movement, calling it a 'mental illness' when it turns into obsessive deprivation, and emphasizes that the best question to ask is simply: 'Am I having fun?' The conversation offers a fresh, countercultural take on personal finance that values life experience as much as net worth.

In their first video podcast episode, the How to Money hosts return from a break to discuss summer travel and money-saving tips, Apple's new devices and price increases, strategies for managing rising healthcare costs, and ways to enjoy entertainment on a budget. They also dive into the financial impact of sports betting, share summer sabbatical reflections, and offer practical tips for family finances and investments. The episode blends personal finance insights with lifestyle conversation, including a look at the future of technology and its intersection with money.

Joel and Matt examine popular personal finance advice that gets passed around as gospel but doesn't hold up under scrutiny. Using the cooking analogy of reverse-searing a steak versus high-heat searing, they encourage listeners to question conventional wisdom and seek out better financial strategies. Even well-intentioned tips can lead you astray if you don't understand the underlying principles.

Joel and Matt sit down with Chanel Reynolds, founder of GetYourShitTogether.org, to explore the real cost of dying without a plan. Chanel explains how probate can consume a significant chunk of an estate and why digital organization and family conversations are critical. She walks through key documents like wills and powers of attorney, the pros and cons of online vs. attorney-drafted plans, and simple steps like beneficiary designations that bypass court entirely. Practical advice for starting those essential conversations and preparing for the inevitable.

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.

In this special Ask-Me-Anything episode, hosts Joel and Matt step away from their usual personal finance Q&A to answer personal questions from listeners. They cover how they met, how their faith shapes their money decisions, alternative career paths they once considered, the biggest decisions they've made, and how they balance work and life. It's a relaxed, behind-the-scenes conversation that reveals the people behind the money advice.

Licensed Mental Health Counselor Aja Evans joins the hosts to explore why, despite simple personal finance fundamentals, so many Americans struggle to act on them. She explains how complex emotions, childhood money beliefs, social media pressures, and past financial traumas create a gap between knowledge and behavior. The conversation covers practical strategies for confronting those deep-seated patterns, setting healthy boundaries, and building a more peaceful relationship with money.

Joel and Matt tackle five listener questions covering the tax implications of selling stock in a Roth IRA, shifting from a saver to spender mindset in retirement, strategies to avoid Roth income limits, how closing an old bank account affects credit scores, and whether Flexible Spending Accounts are worth the hassle.

In this bestie episode, Joel and Matt use the board game Settlers of Catan to illustrate the constant tradeoffs we face in spending. They dig into the pros and cons of planned obsolescence, the culture of disposability, and the buy-it-for-life movement. The hosts unpack how changing your mindset about money can help you allocate dollars toward lasting satisfaction rather than cheap, short-lived purchases.

Paul Merriman, DIY investing expert and creator of the Two Funds for Life strategy, joins How to Money to make the case that tilting toward small-cap value stocks can substantially boost long-term returns. Merriman explains how pairing small-cap value exposure with a second fund can outperform a plain S&P 500 index fund, potentially adding millions to a retirement portfolio. The hosts review historical data and find the evidence so compelling that they are reconsidering their own investment approach. Merriman’s nonprofit foundation aims to bring this kind of overlooked insight to investors at all stages of life.

A bestie episode where the hosts answer listener questions on four personal finance topics: ensuring automated Roth IRA contributions are actually invested, preventing a bill in collections from appearing on a credit report, choosing the right death benefit for life insurance, and weighing the societal drawbacks of credit card fees against their use.

Joel and Matt explore the enduring financial philosophy of Warren Buffett, widely seen as the greatest investor of all time. They discuss not only his market-beating returns but also his consistency, longevity, and humility. The episode covers how everyday investors should approach picking investments, how long to hold them, and what assets deserve their money. It's a compilation of timeless principles anyone can apply.

Joel and Matt sit down with Dr. Jean Twenge, a San Diego State psychology professor and author of iGen and Generations. They discuss her research on generational finances, challenging the myth that Millennials are uniquely broke. The conversation covers the 'slow life strategy' that defines Gen Z's delayed adulthood, the influence of rising individualism, and how technology is altering wealth-building. They also contrast financial obstacles today with those faced by previous generations, grounding the discussion in empirical evidence over generational stereotypes.

A listener Q&A episode where Joel and Matt answer five personal finance questions. They tackle whether to exit a managed retirement account even with seven figures, the benefits of paying off a mortgage early versus later, how to handle a neighbor planning to rent out their house, a couple's spending disagreement over a gun hobby, and the best international roaming options with low-cost cellular providers.

The hosts of How to Money break down the nuanced decision of real estate investing, contrasting social media hype with the harsh realities. They discuss how the market has evolved, share the pros and cons of being a landlord, explore passive alternatives, and suggest lower-risk ways to get started. Throughout, they emphasize that real estate isn't a guaranteed slam dunk and encourage listeners to evaluate their own circumstances.

Joel and Matt, hosts of How to Money, dive into the nuanced world of real estate investing, challenging the pervasive myth that it's an easy path to wealth. They explore how the market has evolved over the past decade, weigh the real cons of being a landlord, and offer alternative, more passive strategies for those who want exposure without the headaches. The conversation emphasizes that, much like homeschooling, real estate investing is a deeply personal decision with no one-size-fits-all answer. Listeners get practical, low-risk entry points to consider before jumping in.

Lacey Langford, veteran and Accredited Financial Counselor, breaks down why military service can be a powerful wealth-building tool. With only 9% of young Americans interested in enlisting, the supply-demand imbalance means the military is sweetening financial benefits—from the Thrift Savings Plan and pension to the GI Bill and free healthcare. The hosts and Langford discuss how these stacked benefits can put service members on a path to millionaire status, especially for those joining now.

Joel and Matt answer listener questions in this Q&A episode, tackling five personal finance dilemmas. They cover whether to self-manage an inheritance versus keeping it with a financial advisor, the best approach for employee stock purchase plans, the calculus of leasing a car under an employer FAVR reimbursement program, the connection between weight loss and life insurance pricing, and a mortgage acceleration strategy. The episode offers practical perspectives on common money decisions.

Joel and Matt discuss the concept of stealth wealth — living below your means and not broadcasting your financial success. They explore how this approach leads to financial freedom, reduced stress, and greater happiness by removing the need for external validation. Using the Clark Kent analogy, they argue that hidden financial strength gives you real power without the downsides of status signaling. The episode offers practical encouragement to prioritize contentment over appearances.

Johanna Samara, VP of Debt Resolution at Money Management International, joins the show to discuss why debt is more than a financial problem. She explains that rising living costs have shifted borrowing from lifestyle to survival, and that shame and lack of knowledge are major barriers to getting help. Samara contrasts nonprofit debt management with for-profit settlement companies, emphasizing that settlement isn't the only path. She offers practical advice on communicating with creditors, utilizing full disclosure, and understanding the statute of limitations on debt.

How to Money hosts answer listener questions covering five personal finance topics: whether to accept a house gifted by future in-laws, the etiquette of using a prepaid Visa card at a restaurant, understanding wealth inequality, home maintenance tips for first-time owners, and ABLE accounts for people with disabilities. The Q&A format provides practical, real-world advice on navigating money decisions that blend financial and relational considerations. The episode touches on everyday money dilemmas, from family dynamics to wealth benchmarks.

The hosts of How to Money tackle the critical financial choices facing new graduates. They explain why time is a young person's greatest asset, how to use money to minimize future regrets, the importance of upgrading your life deliberately rather than automatically, and the most time-tested, low-maintenance investing approach. The episode is a practical guide for anyone at a fresh-start moment in their financial life.

Bola Sokunbi, founder of Clever Girl Finance and author of 'Clever Girl Millionaire,' joins the show to discuss the real, often hidden work required to achieve financial freedom. Drawing on her experience as a first-generation immigrant, she explains the difference between appreciating and depreciating assets, how to adapt to a new financial system, and why a deeper purpose is essential for staying motivated. The conversation also covers building wealth through side hustles, learning from financial mistakes, and the example set by her parents.

Joel and Matt answer four listener money questions in a Q&A format. They cover the trade-offs of making a jumbo down payment to reduce monthly mortgage costs, whether a 25% savings rate makes a Roth IRA redundant, if Vanguard's robo-advisor fee is worth the extra 0.2%, and how to support an adult son with ruined credit who wants to buy a house. The hosts offer practical financial guidance without a guest.

Joel and Matt tackle a range of personal finance headlines: how remote work may hold back career growth, why student loans act as a time thief, and why a 'nice gal' discount can hurt earnings. They examine the K-shaped divergence in credit scores, the hidden downsides of a super‑prime rating, and the danger of letting political noise sway your portfolio. The hosts also address the approaching Social Security cliff, wealth concentration in stocks, and why many Bitcoin investors are underwater.

Hosts talk with Alex Mayyasi about the hidden economic forces that influence everyday life, drawing from his new book Planet Money. They discuss pricing psychology, the impact of tariffs, the distinction between absolute and relative wealth, expectations for continued growth, and the housing market as a game of musical chairs. Mayyasi also shares his new podcast Gastronomics about the business of food.

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.

In this Friday Flight episode, Joel and Matt distill the week's personal finance news into actionable insights. They cover the speculative nature of space stocks and exotic ETFs, the emergence of AI trading agents, and the strategic timing of debt payoff when interest rates move. The hosts also tackle rising home insurance costs, a cooling housing market, and the dangers of taking financial advice from social media influencers.

Scott Trench, author of Set for Life, joins How to Money to discuss balancing future wealth building with present-day joy. He argues that extreme frugality can squeeze life out of the present, and advocates for strategies like house hacking, using real estate as an inflation hedge, and prioritizing optionality over optimizing every dollar. The conversation covers why he doesn't count his primary home as an investment and how illiquid investments can help break out of the middle-class trap. Throughout, Scott emphasizes intentional spending and flexible financial planning to enjoy life while achieving financial independence.

The hosts tackle five listener questions covering 403b rollovers, optimal cash allocation, pension buybacks, mortgage shopping between local and national lenders, and a portfolio named 'AI World War III' on the Autopilot app. The episode provides actionable personal finance advice on each topic.

In this Friday Flight episode, the hosts break down a range of recent financial news stories and translate them into actionable personal finance takeaways. Topics include rent reductions, escrow shortages, home equity sharing, new EV fees, charity parity considerations, prediction market bans, impulse buy psychology, the proliferation of subscription models, rising healthcare prices, and prescription drug deals.

Jesse Cramer, former telescope engineer and creator of The Best Interest, joins How to Money to discuss why aiming for a 'good enough' financial plan often beats obsessive optimization. The conversation covers Coast FIRE, reversion to the mean in stock returns, the hidden cost of overly conservative retirement planning, and what it means to align money with your actual life values. Jesse brings an engineer's precision to personal finance while arguing that the perfect spreadsheet isn't worth sacrificing joy today.

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.

In this Friday Flight episode, the hosts round up the week's financial news: the renewed attractiveness of I-Bonds amid inflation concerns, the squeeze of credit card swipe fees on small businesses, and a trend toward lower credit limits. They discuss the tiny home movement and the appeal of smaller houses in walkable neighborhoods, the rise of recurring handyman subscriptions, and whether millennials are on track for early retirement. The episode also tackles the emergence of AI-powered financial advisors, privacy risks in financial chat tools, and the mixed feelings many people have about AI managing their money.

Nia Baiyeroju earned over $1 million in scholarships and now teaches her strategy. She shares practical tips like searching on an unconventional social media platform, applying for many small awards, and the crucial lesson she learned when a missing headshot cost her $20,000. The conversation also covers avoiding burnout and leaning on community during the college funding journey.

In this Ask HTM episode, hosts Joel and Matt answer five listener questions covering a range of personal finance topics. They explain how to set up a Roth IRA for a minor, break down the hidden 20-25% total cost of financial advice, and evaluate whether spending $50,000 on pension service credits is a good investment. They also discuss the viability of switching to Starlink home internet through US Mobile and finally address the rarely discussed downsides of renting. Each segment aims to give practical, numbers-based guidance for everyday money decisions.

A Friday Flight episode where the hosts cover recent personal finance stories and takeaways. Topics include mistaken starting salaries, crypto-backed mortgages, the stress and cost of commuting, self-inflicted inflation through spending habits, and rising energy bills. Practical advice is given for each story.

Bill Yount, an emergency room physician, didn't start pursuing financial independence until age 50. After burning out and facing debt, he used geo-arbitrage, downsized his life, and reached financial independence far faster than expected. In this episode, Bill shares his journey and the practical steps late starters can take to catch up, from navigating debt payoff vs. investing to facing the emotional challenges of retirement. He also debunks the myth that high-earning professionals like doctors are automatically wealthy. Throughout, Bill emphasizes that it's never too late to reclaim your time and build a life aligned with your values.

A listener Q&A episode where the hosts tackle five money questions: how aggressively to shift retirement portfolios to bonds when nearing Coast FI, whether to treat credit card rewards as budgeted income, the priority of setting up a trust for a young child, strategies for finding affordable prescription sunglasses, and what separates a good HELOC from a bad one.

In this Friday Flight episode, Joel and Matt break down a handful of the week's personal finance headlines. They cover a range of topics including the risks of negative car equity, the advantages of low-cost index investing with VOO, whether spending more can extend your life, the threat of outliving your retirement savings, and the improbable attempt to resurrect Spirit Airlines. The hosts offer practical takeaways to help you make smarter money moves.

When markets turn turbulent, the biggest risk isn't what you see on the news—it's the slow bleed of inflation and undersaving. Ben Carlson, author of 'Risk and Reward' and creator of 'A Wealth of Common Sense,' joins to cut through the noise and offer practical frameworks for building lasting wealth. Using vivid analogies like shark attacks versus car accidents, he explains why we fixate on rare crises while ignoring everyday financial dangers. The conversation covers stress-testing your portfolio, the strategic role of cash, why you shouldn't try to time the AI bubble, and a simple mental shift: pay 'future you' like a monthly bill. It's a masterclass in aligning your investment strategy with actual risk, not perceived fear.

In this Q&A episode of How to Money, hosts Joel and Matt answer listener questions about selling a rental property to pay off a 401k loan used for a pool, choosing between paying cash or financing a car, using VA loans for a home purchase, rolling over or converting a 403b, and selecting a 529 plan. The short show notes do not include the hosts' advice, so listeners will need to tune in for guidance on these real-world money dilemmas.

In this Friday Flight episode, Joel and Matt cover a range of personal finance news: cutting college costs with accelerated degrees, low private student loan rates, predictive credit scores, work perk pruning, and more. They offer practical takeaways to help listeners save money and stay informed.

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.

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances.

The housing market is currently at a massive crossroads, and frankly, the old rules don't seem to apply anymore. We’re seeing a landscape of shifting interest rates, a potential reset in supply, and a level of volatility we haven't seen in decades.

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.

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances.

Let's talk about Social Security. More than music, clothing, or even political views, Social Security might be the single biggest generational fault line in America right now.

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.

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.

“The Budgetnista” needs no introduction, but here’s a quick one anyways: Tiffany Aliche has helped millions of people change the trajectory of their finances through her books, courses, and podcasts.

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.

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances.

You might expect someone who experienced homelessness as a kid to grow up angry at the financial system. Instead, John Hope Bryant set out to understand it and help more people succeed within it.

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.

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances.

This show exists to help you make smart decisions with your money. But if we’re being honest, How To Money might not be as necessary if the financial system weren’t so confusing in the first place.

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.

Thanks to Justin for having Joel on his show, FI Minded! --- The FI community is incredibly good at effort, optimization, and doing hard things for a long time. But somewhere along the way, many of us forget how to stop.

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances.

Every year, patients are billed and stuck with $14 billion in medical debt that should be wiped out under existing hospital financial assistance rules. This debt isn’t inevitable, it’s unnecessary!

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.

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances.

Joel married into a family of teachers. His father-in-law has spent nearly 40 years in the classroom, his mother-in-law has taught for 30, and his brother-in-law is an outstanding Spanish teacher.

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.

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances.

Joel met Phil halfway through a marathon a few months ago – literally in the middle of the race. It’s funny how life works and after running side by side and chatting for half an hour it was clear he’d only scratched the surface of his story.

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.

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances.

Most money advice is a broken record: save more, invest early, and wait for freedom. But what if the real risk isn't running out of money but instead is running out of time?

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.

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances.

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.

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.

Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances.

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.

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.