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 necessary are high yield checking accounts?
2. What is a way that I can use my investments to pay for veterinarian school, without paying capital gains tax?
3. How should I invest for retirement after my 401k failed non-discrimination testing?
4. Is it worth continuing to pay for short and long term disability insurance?
5. Frugal or Cheap: skipping Coinstar and going straight to a register?

Additional links:

• Frugal vs. cheap: Check out this post if you’re wondering whether one of your actions falls into the frugal or cheap category!

• 401k Plans: While these are certainly the most common accounts people save within, they aren’t the be-all-end-all. Further reading:
  • All the pros and cons of 401k plans
  • No 401k? No worries! Here’s how to save for retirement without one!
  • Already maxed out your 401K? Here’s what to do next.

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

• Cheap cell pans: 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 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 Kobzar 2022 by Big Spruce Brewing – a big thanks to our good buddy Andrew L for donating this one to the pod! 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!