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 go about teaching 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?

Additional links:

• Solo 401k – We discussed the benefits of the solo 401k with Sean Mullaney, but he literally wrote the book on why it’s the best for entrepreneurs!

• Switching banks – It’s worth any hassle to switch away from one of the bigs to a solid online bank- plus it’s actually easier than you think.

• Leveraged ETFs – If you like diving into the weeds, here’s that post on leveraged ETFs from friend of the show Nick Maggiulli.

• 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.

• 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 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!