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!
- I feel awkward about haggling with locals while on an expensive cruise- help!
- Should I really invest my HSA dollars? I’ve heard that the fees make it prohibitively expensive.
- My friend says that what my portfolio is missing is cash value life insurance. True or false?
- How do I know if I’ve saved enough for retirement and can slow down my investments?
Additional links:
- Life Insurance – The only type of life insurance you should buy is TERM life insurance. Here’s our guide on what to look out for, how much you need, and how to buy it!
- Cruising – We mentioned this episode about taking cruises… The Cheapest Way to Travel with Ilana from Life Well Cruised – Episode 776
- HSA’s – Investing your HSA dollars is a no brainer, and there are plenty of cheap/free brokers to host your HSA account with! Here’s our full guide on why HSA’s are awesome and how tot take advantage of the triple tax saving opportunity.
- Money gears – Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
- Community – Join a thriving community of fellow money 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 Pecan Pie Porter by Clown Shoes! 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!



