We’re kicking off the week by answering listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

1. With a 7% mortgage, should I pay extra towards my house or invest in the stock market instead?
2. Is a home warranty worth the money?
3. Can I choose where I open my 401k or Roth IRA as I’m just getting started investing?
4. Is it possible to make HSA contributions when you’re on a health sharing plan?
5. Do you have some marketing ideas as I’m trying to ramp up my photography business?

Additional links:

• Credit union perks – For anyone interested in checking out the member giveback that Ben’s credit union is offering!

• Investing – Our comprehensive guide on how you can get started investing for your retirement!

• Health Savings Accounts – I’m not sure who needs to hear this but Health Savings Accounts, or HSAs, are the ultimate retirement accounts.

• Health sharing – If you’re looking for a very affordable health care alternative (like by a factor of 6x) that isn’t technically insurance, then you definitely need to check out Medi-Share. Joel has recently joined and our family has been with them for over 5 years.
  • Sedera and CrowdHealth are also options that don’t have any religious affiliation if that’s not your thing.

• Madison Raine Photography – And if your’e in the Philadelphia area, be sure and check out Madison’s photography site. Find her on FB and Insta as well!
• HTM Blog: How to start a business without any money!

• 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 Data Loss by Halfway Crooks! 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!