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  • Newsletter

401k Blunders, Savings Shortfalls & Friendship Mirrors 👯

  • April 9, 2024
  • Tagged as: 401k, budget, charity, money news, retirement investing
Hello and happy Tuesday! “Show me your friends —> and I’ll show you your future” Just a quick reminder… Surround yourself with positive influences today, and every day. The folks you spend the most time...

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  • Investing

8 Ways to Access Retirement Funds Early (Without a 10% Penalty)

  • April 4, 2024
  • Tagged as: 401k, compound interest, debt management, Financial Independence, HSA, retire early, roth ira, saving for retirement
I have a confession to make… back in my early 20s I never contributed to my company’s 401k plan. Oh, how naive I was. My main gripe with putting money into retirement accounts was that...

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Joel O'Leary
  • Debt

Will Buy Now Pay Later Wreck Your Finances?

  • April 2, 2024
  • Tagged as: 0% APR, BNPL, budgeting, buy now pay later, credit cards, debt management, mindful spending
We’ve all been there. You’re ordering a pack of socks online, and just when you’re about to check out, Klarna, or another buy now pay later service pops up and offers to split your $16...

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

Savings Rates, Wealth Waves, & Watering Wisdom 🚿

  • April 2, 2024
savings rate retirement years
Good morning, HTM Family! A quick reminder to start the week… The grass is greener —> wherever you water it! 🌱🚿 If you want your investments to grow, water them. If you want your relationships...

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  • Saving money

How to Calculate Your Savings Rate (and Improve It!)

  • March 28, 2024
  • Tagged as: budgeting, Financial Independence, net worth, saving for retirement, savings rate, tracking expenses
Imagine if you had a crystal ball that could look into the future and tell you how rich you are going to be… Wouldn’t that be cool!? Well, believe it or not, there is such...

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Joel O'Leary
  • Newsletter

Commission Crackdown, Frugal Fitness, & Planting More Seeds 🌱

  • March 26, 2024
  • Tagged as: biking, exercise, finance newsletter, personal finance, saving for retirement
Good morning, HTM Family! “The day you plant the seed is not the day you get to eat the fruit” A few quick reminders for today… Cheers to staying patient and trusting the process. One...

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  • Personal Finance

How to Find & Claim Missing Money

  • March 25, 2024
  • Tagged as: budgeting, debt management, Life Hacking, missing money, net worth
unclaimed money feeling
Whether it’s finding $20 in your jeans, scoring a sweet bonus at work, or opening up that birthday card from grandma, getting unexpected money is always a blessing. But what if I told you that...

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Debt
  • Investing

Should You Pay Off Debt or Invest Extra Cash?

  • March 23, 2024
  • Tagged as: 401k, compound interest, credit cards, credit score, debt management, debt snowball, high interest debt, retirement investing
If you’ve got some extra money lying around, should you invest it, or use it to pay off debt? A few weeks ago a friend of mine asked me this question after receiving a bonus...

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

How Much Money Do You Need to Retire? 3 Different Strategies to Calculate

  • March 21, 2024
  • Tagged as: 4 percent rule, 401k, early retirement, index funds, roth ira, saving for retirement
Throughout our working years, it’s only natural that we start envisioning what retirement life will look like. Whether you plan to spend time traveling, being present with your family, or volunteering, retirement can be a...

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

Bigger Ain’t Better, Savings Slumps & Asking ‘Why’ on Repeat

  • March 19, 2024
  • Tagged as: asking for discounts, budgeting, down payment, house hacking, salary raise, tracking expenses
Happy Tuesday, HTM Family! A couple of reminders for today… – You control your pace today 🏃🏽‍♂️– You get to choose the music 🎵– You are in charge of your agenda 📝– You own your...

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