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  • Ask Matt & Joel

Ask Matt & Joel: Should I drop full coverage on my 2016 car that’s fully paid off?

  • November 7, 2024
This question was posted in our HTM Facebook group by Rebecca… “I have a 2016 Hyundai, paid off, and Kelly Blue Book says it’s worth $5,000 – $7,000. I’m currently paying full coverage for car...

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  • Newsletter

Broke Celebs, Insurance Surge & Getting Your Vote On 📨

  • November 5, 2024
  • Tagged as: emergency fund, insurance, personal finance, retirement investing, stealth wealth, tracking expenses
Dear everyone, As we approach voting day, let’s keep in mind that we are all part of the same community. We are lucky enough to live in a country where we have a say in...

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  • Personal Finance

15 Sneaky Biases That Are Screwing Up Your Finances

  • November 3, 2024
  • Tagged as: budgeting, compound interest, mindful spending, money bias, money mindset, retirement investing
Ever wonder why you doubled down on a bad investment, even though you kind of knew it was a loser? Or impulse bought an expensive gadget, knowing full well you would barely use it in...

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Joel O'Leary
  • Ask Matt & Joel

Ask Matt & Joel: I have an extra $1,000 at the end of every month; should I invest those dollars or pay down my mortgage?

  • November 1, 2024
  • Tagged as: debt management, interest rates, mortgages, retirement investing, roth ira
Today’s question comes from Arsenio in San Antonio, Texas… “I have about $1,000 a month extra that I want to pay towards the house, to get the mortgage paid off sooner. Another idea I had...

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  • Ask Matt & Joel

Ask Matt & Joel: I have 20 credit cards. If I close some will my credit score get trashed?

  • October 31, 2024
  • Tagged as: credit cards, credit score, debt management, rewards cards, travel
Today’s question came in from Karl in Rosewell, New Mexico!… “Hey, Matt and Joel. This is Carl, My wife and I are empty nesters living in Roswell, New Mexico.  In the past 4 years, our...

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  • Newsletter

Dining Dilemmas, Financial Heebie-jeebies & 2025 Tax Brackets 😎

  • October 29, 2024
  • Tagged as: 401k, finance newsletter, Life Hacking, money fears, personal finance
benefits of budgeting header
Good morning, HTM Family! A few Tuesday affirmations: (say these out loud to yourself this AM)… Cheers to an awesome day ahead! Okie dokie, now let’s talk about money stuff 💰👇💰👇 TO DO Check Your...

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  • Personal Finance

So You’ve Saved an Emergency Fund… Now What?

  • October 28, 2024
  • Tagged as: 401k, debt management, emergency fund, giving, roth ira, saving for retirement, tax advantaged accounts
Saving an emergency fund is an important milestone in personal finance. Having that cash buffer on hand is super important to protect yourself if/when things go sideways unexpectedly. Here’s the best bit. Once you’ve saved...

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

Ask Matt & Joel: My husband wants to open a new joint bank account. Which bank should we choose?

  • October 25, 2024
  • Tagged as: family finance, HYSA, interest rates, online banking, personal finance, switching banks
Today’s question was posted in the HTM Facebook Group recently… “Hey Matt and Joel! LOVE your podcast. Thank you for everything you do and have taught me. I’m newly married and my husband and I...

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  • Ask Matt & Joel

Ask Matt & Joel: My friend is having a financial meltdown. Should I loan them money?

  • October 24, 2024
  • Tagged as: credit cards, debt management, emergency fund, frugal habits, personal finance
Today’s question comes from Amanda in San Antonio, Texas… “I have a bit of a doozy for you. My best friend in the whole world is in about twenty thousand dollars of credit card debt...

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  • Ask Matt & Joel

Ask Matt & Joel: Does the 4% Rule still apply if my portfolio has lots of bonds?

  • October 23, 2024
  • Tagged as: 4% rule, diversification, i-bonds, index funds, saving for retirement, target date funds
Today’s question comes from Eric in Evanston, IL… “I got a quick question for you all about the 4% Rule. It assumes you’re making a 7% return overall… 4% you get to spend, and 3%...

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