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  • Real Estate

Tips on Negotiating Realtor Commissions

  • September 6, 2024
  • Tagged as: avoiding fees, buying a home, down payment, mortgages, Real Estate Investing
Buying a house is already a rollercoaster of emotions and a long list of awkward to-do financial decisions. And thanks to some recent changes in laws affecting buyer agent commissions, there’s now one more annoying...

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Joel O'Leary
  • Ask Matt & Joel

Ask Matt & Joel: Which is Better – Pension Plan or 401a?

  • September 5, 2024
  • Tagged as: 401k, careers, money gears, pension, retire early, saving for retirement
Today’s question comes from Mike in Albany… “I’m in my early 40’s and I just started a job with New York State that’s giving me two different retirement options to pick from. The first is...

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  • Ask Matt & Joel

Ask Matt & Joel: Are Expensive Real Estate Courses Worth It?

  • September 4, 2024
  • Tagged as: Financial Independence, money gears, Real Estate Investing, rental properties
Theo from Atlanta called into the show last week… “I have a question regarding a real estate investing course for newbies. I live a debt-free lifestyle and I own my primary home outright, no mortgage....

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  • Newsletter

JOMO Thinking, Reliable Rides & Hunting for Scholarships 👨‍🎓

  • September 3, 2024
  • Tagged as: buying a new car, Financial Independence, Life Hacking, money newsletter, personal finance, saving money
Good morning, HTM Family! “The flower does not dream of the bee. The flower just blossoms, then the bee comes” – Mark Nepo A quick reminder for today… Just focus on being the best version...

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  • Budgeting

Needs vs. Wants: Budgeting For Both

  • September 1, 2024
  • Tagged as: emergency fund, frugal vs cheap, lifestyle creep, mindful spending, needs vs. wants, retirement investing
Regarding your budget, one of the most important steps you should take is categorizing your spending items by needs vs. wants.

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Avatar photo Jason Brown
  • Newsletter

Replacing Restaurants, Bacon Barometer, & Planning for a Baby! 😅

  • August 27, 2024
  • Tagged as: cheap cell phone plans, emergency fund, family finance, inflation, kids, saving for retirement
Good morning, lovely people! Today we are celebrating National “Just Because” Day. Why?…. Just, because! You don’t need a reason to celebrate. You can be happy, just because. Buy yourself a little treat, just because. Call...

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  • Personal Finance

FOMO might be wrecking your finances. Here are 7 tips to help

  • August 26, 2024
  • Tagged as: bad debt, budgeting, financial fomo, Financial Independence, index funds, mindful spending
financial fomo header image girl sitting on VW beetle traveling
Picture this: you’re mindlessly scrolling through Instagram one night when suddenly a post from your old high school buddy pops up. They’re grinning ear to ear, flaunting screenshots of their crypto wallet showing a small...

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Joel O'Leary
  • Personal Finance

Where to start if you’ve never been told anything about money

  • August 25, 2024
  • Tagged as: budgeting, compound interest, debt snowball, emergency fund, financial advisor, investing, saving money, teaching kids about money, tracking expenses
confused about money
If you haven’t been taught anything about money, that’s OK! It's never too late. Here are some steps to get your money journey started

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Joel O'Leary
  • Investing

How to Become a Roth IRA Millionaire

  • August 23, 2024
  • Tagged as: backdoor Roth IRA, Financial Independence, Life Hacking, millionaire, roth ira, saving for retirement
becoming a Roth IRA millionaire
Becoming a Roth IRA Millionaire is not only possible, it's actually quite easy! Here are the steps and how long it will take.

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

Tips for Throwing a Wedding on a Budget

  • August 22, 2024
  • Tagged as: engagement ring, family finance, frugal living, marriage, saving money, wedding
budget wedding chairs in grass field
Wedding receptions are a beautiful way to celebrate a major milestone in your relationship alongside your closest friends and family. But, it’s no secret that weddings can be insanely expensive. In 2023, the average wedding...

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
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