We’re kicking off the week by answering 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. Regardless of how random or bizarre you might think it is, we want to hear it!

  1. As I’m entering retirement, should I consider a financial advisor and how do I go about finding one?
  2. Why was I declined for a new credit card even though my score is over 800?
  3. What are some tips to keep me from busting my budget every single month?
  4. Should I consider financing a medical expense with a provider like CareCredit?
  5. Is an employer match worth it when a variable annuity is the only investment option?
  • Financial planning – And if you’re looking to pay for some one on one personal investment advice, you can find fee-only fiduciary planners over at XY Planning Network or the National Association of Personal Finance Advisors (NAPFA).
  • Budgeting – Start a budget, or at the very least begin tracking with YNAB or Mint.
    • And it can be a really great idea to figure out how little it would take to live on with a bare bones budget, if the proverbial ish hits the fan.
    • As we’ve talked about before, here’s a stripped down template of our family’s budget in Excel. It may not make sense for some, but I hope it can get most started down the right path! (once you’re in Google Drive, click: File -> download to get the file on your computer)
    • Here are 4 easy budgeting methods we talk about in detail!
  • 403b – If you happen to be employed by a school or non-profit and you have a 403b, then head to 403bwise.org to search their database so you can determine if you have a good one or not.
  • Missing Money – If you want to see if are unclaimed funds with your name on it floating out there be sure to head to MissingMoney.com.
  • Credit Card Tool – Looking for the right credit card for you? Then check out our new credit card tool that’ll help you to easily filter through all the cards based on your preferred airline, whether or not they have an annual fee, or simply by the cash back offer! Just toggle the sliders and you’ll know which card to consider.
  • Newsletter – Don’t forget to sign up for the best personal finance newsletter in all the land! It’s completely free and something we create to help you along your journey to financial freedom. It drops every Tuesday morning and you can always unsubscribe if you don’t dig it!

During this episode we enjoyed a 2 Turtle Doves by The Bruery! 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!

* Advertiser Disclosure: How to Money has partnered with CardRatings for our coverage of credit card products. How to Money and CardRatings may receive a commission from card issuers.
* User Generated Content Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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2 comments on “Ask HTM: Avoiding Busted Budgets, Getting Declined with an 800+, & Financing Medical Expenses – Episode 604

  1. Elijah Dec 16, 2022

    At approximately 14:04 on the Spotify podcast episode, you said you’d link the “missing money” link in the show notes but I’m not seeing the link?

    • Sorry about that! Just added. The site is MissingMoney.com. Hopefully there’s $$$ out there with your name on it, Elijah!