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. I’ve recently retired and I’m looking for an affordable health care option- what are your thoughts on health sharing plans?
  2. How do my fiance and I begin the process of house hacking after we’ve successfully run an Airbnb?
  3. Student loans are keeping me from investing within a Roth IRA, but should I be investing at all?
  4. Should I take a loan against my 401(k) or tap those funds early, if I need access to funds after getting laid off?
  5. I have a Health Savings Account offered by my employer, but I’m not able to invest those funds- what should I do?
  • Extra cash – And regardless of where you are on the path to financial independence, we believe in the responsible use of credit cards. It’s smart to utilize the additional benefits that credit cards offer- for instance the 60,000 points that come with the Chase Sapphire Preferred Card. That’s $750 when you redeem through Chase Ultimate Rewards! This is no joke- I’ve already done this myself which we discussed on a recent episode after I met the initial spending requirements of $4,000 over 3 months!

During this episode we enjoyed a Sour Bikini by Evil Twin! 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!

* Advertiser Disclosure: How to Money has partnered with CardRatings for our coverage of credit card products. How to Money and CardRatings may receive a commission from card issuers.
* User Generated Content Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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One comment on “Ask HTM: Student Loans Blocking Roth IRA contributions, Tapping Retirement Funds After a Layoff, & Going with a Health Sharing Plan to Save Big – Episode 496

  1. Abraham Hunt Apr 9, 2022

    Hey guys you didn’t mention the option of avoiding the new HSA provider entirely and going the route of after tax contributions to a different provider and getting credit at tax time. Wouldn’t work for employer contributions but if there aren’t any it can decrease some complexity.