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. As newlyweds, how do we decide how much money we each get to spend as fun money?
2. Should I further invest with my employer provided retirement accounts or should I open my own?
3. What assets are vulnerable to the high costs of a long term care facility?
4. Does it make sense to commingle my emergency fund with money I use to fund my hobby?
5. Why is there a difference between different brokerage funds that all track that same index?

Additional links:

• Elder Law Attorneys – Consider talking to an elder law attorney in your state who specializes in Medicaid strategy!

• Couples Money – Also check out our articles on how to combine finances as a couple, and how to get on the same page financially with your spouse.

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

• Cheap cell plans – Massively reduce your cell phone bill each month by switching to a discount provider like US Mobile.

• Community – Join a thriving community of fellow money nerds in the HTM Facebook group

• 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 enjoyed a Bossy Blonde by Contrast Artisan Ales! 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!