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. After draining my savings to buy a home, what high yield accounts or software do you recommend to help replenish my emergency fund?
2. More pay or more passion: how do you choose when considering a new job?
3. Should I try a TikTok mortgage hack that puts my interest on pause?
4. What steps should I take with my 18 year old to ensure he’s on the path to financial success?
5. Does it make sense to get an indexed universal life insurance policy in order to boost my ability to invest?

Additional links:

• Budgeting – Start a budget, or at the very least begin tracking your expenses with YNAB or Mint.
  • If you’re completely new to budgeting, check out our blog post on easy budgeting methods (including the 50/30/20 method) that’ll help you create a budget, and stick to it!
  • As we’ve talked about before, here’s a stripped down template of our family’s budget in Excel. It may not make sense for some, but I hope it can get most started down the right path! (once you’re in Google Drive, click: File -> download to get the file on your computer)

• Life insurance – Read about how you can choose life insurance that is cheap and easy to buy.
• Debt free house – Thinking of paying off your mortgage early? Check out the pros and cons, as well as strategies to do it!

• 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 Delusional Deformities by Burial 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!