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. Which of my parents’ debts will I be on the hook for once they (inevitably) pass away?
2. As a longtime FIRE adherent, how can I switch from a saver to spender mindset?
3. How should I factor gift cards into my budget in order to accurately reflect my spending?
4. What are some of the hidden costs of early retirement that I should be accounting for?

Additional Links:

• Parents and money – Here’s the episode with Cameron Huddleston about talking with your parents about their finances.

• The Struggle Is Real – Listener Justin has his own podcast you should check out, The Struggle Is Real

• Money gears – Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.

• Mind hive – Join your fellow HTM listeners in the HTM Facebook group to discuss more money stuff and ask each other questions!

• 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 cashback offer! Just toggle the sliders and you’ll know which card to consider.

During this episode we thoroughly enjoyed a Community Connection by Creature Comforts and Dancing Gnome! 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!