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  • Ask Matt & Joel

Ask Matt & Joel: Are mortgage payments typically cheaper than rent?

  • October 3, 2024
  • Tagged as: frugal living, good debt, house hacking, mortgages, renting, retirement investing
This question was posted in the HTM Facebook Group recently…… “Are mortgage payments typically cheaper than rent? I sometimes hear of people who only made a small down payment on their home, say 5%, who...

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  • Ask Matt & Joel

Ask Matt & Joel: Will I inherit my parents debt if they pass away?

  • October 2, 2024
  • Tagged as: debt management, emergency fund, family finance, Financial Independence, inheritance
Today’s question comes from Ben from Grand Rapids… “My question is for me and my three brothers…  But probably for a lot of people in similar situations. I grew up in a family that was...

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  • Newsletter

Power Couples, Bonus Miles & TDF Glide Paths 📈

  • October 1, 2024
  • Tagged as: budgeting, DIY, emergency fund, family finance, Financial Independence, target date funds
Good morning and happy October! Here’s a few Q4 money maintenance tasks to check off your list… O pt out of useless subscriptions 🙅‍♂️C ontribute just 1% more 👌T ally up your net worth 📝O...

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  • Saving money

How To Crush It As a Single Saver

  • September 30, 2024
  • Tagged as: bike commuting, emergency fund, Frugal hacks, house hacking, meal prep, money gears
save more money as a single person
Saving money when you’re single can seem more challenging on the surface. Without a significant other to split groceries, housing and transportation expenses, the weight of those financial necessities lies solely on you.  But what...

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Ask Matt & Joel

Ask Matt & Joel: For someone retiring significantly early (think 40s), what are some of the hidden costs or catches?

  • September 29, 2024
  • Tagged as: inflation, lifestyle creep, retire early, retirement investing, stock market, taxes
This question was posted anonymously in the HTM Facebook group… “For someone retiring significantly early (think 40s), what are some of the hidden costs or catches that can be a surprise and lead back to...

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  • Saving money

10 Ways Power Couples Save More Money

  • September 28, 2024
  • Tagged as: family finance, Financial Independence, marriage, personal finance, retirement investing, saving for retirement, tax advantaged accounts
power couples save more money header image
As soon as my wife and I moved in together, we started crushing it financially. And it’s not just because we had no kids at the time and split living expenses… We found out how...

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Joel O'Leary
  • Saving money

13 Tips to Save Money Eating Out

  • September 26, 2024
  • Tagged as: budgeting, coupons, emergency fund, Financial Independence, free stuff, groceries, Life Hacking
Sometimes, even the most frugal of folks just don’t feel like cooking dinner. Don’t worry, there are plenty of ways to save money eating out, so you can enjoy restaurant meals for the best value...

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Budgeting
  • Earning More

How to Manage a Financial Windfall

  • September 25, 2024
  • Tagged as: Financial Independence, inflation, lifestyle creep, lottery winners, mindful spending, personal finance
Financial windfalls come in many shapes and sizes. Sometimes it’s a bigger than expected bonus check from work. Other times it’s receiving a major inheritance from a mysterious relative you barely knew. If you’re lucky...

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Newsletter

Thrifty Holidays, WFH Savings & Unstoppable Clocks ⏱️

  • September 24, 2024
  • Tagged as: careers, emergency fund, giving, holiday spending, personal finance, saving money
Good Morning HTM Hooligans! Sometimes thinking about long-term financial goals can feel discouraging… “It’ll take years to dig myself out of this credit card debt” 😓 “At this pace, saving up a home down payment...

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  • Ask Matt & Joel

Ask Matt & Joel: How much should my emergency fund be for a rental property?

  • September 24, 2024
  • Tagged as: budgeting, emergency fund, Real Estate Investing, rental properties, sinking funds
John asked a great question in our HTM Facebook Group forum… “I’ve had a rental property for about 10 months now and slowly socking away 100% of the extra income in a reserve account. How...

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