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Let’s dive into 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 - Shouldn’t more folks consider using velocity banking to pay off debts? 2 - I have an extra $1,000 at the end of every month; should I invest those dollars for a period of time before paying down my mortgage? 3 - What is the best way to go about paying for flight school? 4 - Does it make sense to drop full coverage on my 2016 car that’s fully paid off? 5 - My husband and I are considering a 401k loan- what should our concerns be?   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. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   During this episode we enjoyed a Once Upon An Orchard by Allagash! 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.

Your birthday comes around every year- and you never forget because it’s something that you look forward to! But we’d argue that there are certain financial tasks that we should also revisit at least once a year, but we’re less than enthusiastic about knocking them out. This neglect is compounded by the fact that our finances have gotten more complicated than ever. You likely have accounts everywhere: you might have multiple 401ks, savings accounts, credit cards- it might feel like there’s too much going on as you juggle more logins than you can keep up with. Now these are tasks that don’t need to become ongoing obligations, but we do think they will help you make your personal finances more manageable. Whether it’s something as straightforward and practical as making some tweaks to your budget or if it’s the beginning of a season of reevaluating your life goals, we have a number of tasks that will allow you to spring clean your finances.   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. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   During this episode we enjoyed a classic: Saison Dupont by Brasserie Dupont! 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.

What does it mean to be rich? I think very few folks feel rich, even if they are doing really well for themselves. And oftentimes that’s due to the hedonic treadmill as we’re constantly moving the goalposts as to what it is that we think will make us happy. Most folks rarely feel like they simply have enough. But guess what- a lot of folks would be surprised to find themselves in the top 10% of earners in the US. And when you make a lot of money, or at least hope to, it takes a different approach to how you should handle your finances. That’s why we’re excited to be joined by Rachael Camp, owner of Camp Wealth, who is on a mission to help her clients build and preserve their wealth. As a Certified Financial Planner, Rachael not only knows the right moves to make with her money, but she’s actually doing it- she’s designed a financial life that allows her to prioritize the things that are important to her like a matcha tea ritual and snowboarding, by minimizing other expenses, all while advising clients who make upwards of seven figures. Listen as we discuss Rachael’s history with the FIRE movement, delayed gratification, financial mistakes of higher earners, and much more!   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. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   During this episode we enjoyed an All Citra Everything by Other Half Brewing. 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.

Let’s dive into 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 - Should I execute a Roth conversion during a sabbatical year from work? 2 - How do I remedy an out of control car loan that’s worth less than what I owe? 3 - Do y’all think I can withdraw more than what the 4% rule says is safe? 4 - Can I use HSA funds to pay for healthcare premiums? 5 - Is it time to use a 0% balance transfer card to get us out of some unexpected debt?   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. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   During this episode we enjoyed a Hop Showers by Other Half Brewing! 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.

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: tips for raging against the machine, pervasive shrinkflation, dupe destinations, a case for timeshares, part time retirement, easiest way to save, 401k leakage, MVNOs to save, the best dating advice, & attractive CDs.   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. Find the best credit card for you with our new credit card tool! 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.

Think about any great relationship that you have- whether that’s with your partner, a friend, or even a boss. In each of those examples, there’s a really good chance that you’re both really good at talking  and relating to one another. At the core of any healthy relationship is the ability to feel heard and understood, and that’s why communicating is so important! That’s why we’re pumped to be joined by Charles Duhigg, a Pulitzer Prize-winning journalist and bestselling author known for his profound insights into productivity, habit formation, and the science of success. Charles is the author of the new book Supercommunicators, where he explores everything from how marriage counselors teach couples to hear what goes unsaid, to how NASA psychologists look for astronauts who are emotionally intelligent. Deep, meaningful connection to others is vital to living a fulfilling life, but practically speaking, it’s also really important when it comes to discussing money with a partner, which is just one of the many topics we discuss today.   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. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. During this episode we enjoyed a Triple Mosaic Daydream by Other Half Brewing. 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.

Let’s dive into 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 - Is it better to rent or sell my home when the time comes to move? 2 - Do I have to pay old credit card debt that I have with Capital One? 3 - Frugal or cheap: bringing my own food for my kid when we go to a restaurant? 4 - What’s so bad about buy now pay later if I have the money on hand to make the payments? 5 - Who should I turn to for affordable home security?   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. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   During this episode we enjoyed a saison – Burden In My Hand by Piedmont Brewery! 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.

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: personalized retirement plans on the rise, armchair stock picking, Disney/Hulu/ESPN+ password sharing crackdown, “I’m great but everything is terrible”, are you rich?, money stress, payday lending on steroids, unethical Costco customers, you’re going to want uninsured motorist coverage, and reward redemption restraints.   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. Find the best credit card for you with our new credit card tool! 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.

The job market is HOT right now! Unemployment is basically at all time lows sitting at 3.7% with a surprising 353,000 jobs added last month. But that doesn’t mean everyone is happy with their jobs- a recent poll showed that about 60% of workers were planning to leave their jobs by the end of the year! And regardless if it’s because they’re not getting paid enough, or because the work isn’t a good fit, we’re excited to be joined by career coach Eliana Goldstein. She brings a deep understanding of both the personal and professional challenges individuals face in their careers. Eliana works to empower her clients to discover their true potential, guiding them through personalized strategies to achieve their career goals. Today we discuss the red flags that signal it’s time to start looking for a new job, how frequently you should consider job hopping, THE number one source for finding a new job, a few answers you should always be prepared to answer during an interview, the best ways to make yourself visible when working from home, and much more!   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. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. During this episode we enjoyed a Boat Drinks Volume 7 by Piedmont Brewery. 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.

Let’s dive into 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 - How do I know if my portfolio leans too conservative? 2 - Frugal or Cheap… what’s the best way to teach my students the difference between the two? 3 - I’m behind when it comes to investing so should I borrow money in order to jumpstart my retirement? 4 - What’s the best affordable cell phone that won’t break in 2 years?   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. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   During this episode we enjoyed a tart saison – This Is The Day by Piedmont Brewery! 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.

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: best sources for discounted travel, credit win for renters, interest rates x home prices, fake free filing, garbage furniture, second guessing your spending, teen jobs, another WFH tradeoff, employee compensation, & employee stock purchase plans.   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. Find the best credit card for you with our new credit card tool! 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.

Today’s episode is all about getting out of debt as we talk with our new friend George Kamel! And it’s a good time to have this discussion as well since consumer debt, in particular credit card debt, has been on a tear over the past several years- we’re over the $1 trillion mark folks! And we’re lucky to be joined by George because not only has he personally climbed from a negative net worth himself, but he’s also a personal finance expert at Ramsey Solutions! George co-hosts the Ramsey Show as well as the Smart Money Happy Hour podcast in addition to over 16 million views on his YouTube channel. And to prove that he knows how to rock more than a microphone, George has a new book “Breaking Free From Broke” that came out earlier this month. We’re excited to get to know George and his story, how he got started at Ramsey, the normalization of debt, keeping tabs on lifestyle creep, his biggest wealth hack, and plenty more during this episode. 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. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   And we actually recorded this episode early in the morning, so no beers today! 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.