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. Who actually owns the house if you buy a place with your friend?
2. Should I dollar cost average back into the market after I roll over my 401k?
3. Does it make sense to use some equity from the sale of my house to pay off some debts?
4. How should I invest the money I’m saving up for a new car purchase in a few years?

Additional Links:

• Money Gears – Knowing your ‘money gear’ is really important. It helps solidify your money foundation and get the most out of all your dollars. Check out:
  • 7 Money Gears Episode
  • Quick overview of the money gears

• HYSA – Saving up for car purchases and home downpayments, we recommend a High Yield Savings Account with a low cost FDIC insured bank. We love and use CIT Bank for this, check em out!

• Community – If you’ve got a quick money question and want to hear from the HTM mind hive, join the community of fellow money nerd in the HTM Facebook group!

• Rollovers – For free help rolling over your 401k to an IRA, check out Capitalize! They’ll make sure the process is done correctly, and set the right expectations.

• 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 Garden Salad by Variant Brewing! 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!