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Category: Newsletter

  • Newsletter

Gettin’ WEIRD, Finding Lost Money & Low Hanging Financial Fruit 🍇

  • January 9, 2024
  • Tagged as: emergency fund, investing, personal finance, saving money

Good morning HTM family! Hands up if you’re filled with fresh motivation and determination to crush your 2024 financial goals!?!? 🙋‍♀️🙋‍♂️ Me too!!!! Just remember, big achievements take time – especially for personal finance goals….

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Avatar photo Joel
  • Newsletter

Timing Your Showers, Automotive Money Pits, & Creating Systems For Success! 💪

  • January 2, 2024
  • Tagged as: budgeting, car loan, emergency fund, Financial Independence, goals, personal finance, saving for retirement

Good morning, money nerds! 🤗 If you don’t have a theme or motto for 2024 yet, feel free to steal this one below… “Life shrinks or expands in proportion to one’s courage” – Anais Nin…

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Avatar photo Joel
  • Newsletter

Inflation Is Consuming Your Cash & New Year Saving Challenges 💪

  • December 26, 2023
  • Tagged as: HYSA, inflation, investing, money challenges, personal finance

Good morning! And welcome to the final newsletter of 2023… It’s been a killer year at HTM: From the bottom of our hearts — THANK YOU — for listening, reading, sharing, and continuing to inspire…

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  • Newsletter

Negotiating Rents, Price Protections, & 2024 Market Mystics 🤦‍♀️

  • December 19, 2023
  • Tagged as: budget software, emergency fund, personal finance, renting, retirement investing, stock market

Good morning, wonderful people!! “The badass in me recognizes the badass in you” A few reminders in case you forgot: You are a badass. Keep doing what you’re doing. 💪 OK, stepping off the soapbox…

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Avatar photo Joel
  • Newsletter

Financial Nudity, Record-Breaking Debt Stats, & Costco Overload 🫵

  • December 12, 2023
  • Tagged as: 401k, debt management, family finance, Financial Independence, investing

Good morning, beautiful people!! 🤩 When a storm brews, cows 🐄 can sense it coming so they run in the opposite direction… But the storm always catches up. Cows are constantly trying to outrun the…

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Avatar photo Joel
  • Newsletter

Free Return Cutbacks, Self Gifting & Less = More 🎁

  • December 5, 2023
  • Tagged as: budgeting, inflation, Life Hacking, personal finance, retirement investing, saving money

Good morning and happy Tuesday y’all! Snapped this pic 👇👇👇 from the tightwad book I’ve been reading lately… It’s just a great reminder right now because sometimes the holiday season leads to accidental overconsumption —…

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Avatar photo Joel
  • Newsletter

Discounts For Cash, Vetting Charities & Buying Happiness 👐

  • November 28, 2023
  • Tagged as: charity, Daffy, Financial Independence, giving, personal finance, saving money

Happy #GivingTuesday everyone!! 👐 Now that Black Friday, Cyber Monday, Turkey Thursday, and Siesta Sunday (just made this up, but should we make it a thing?) are all over… it’s time to get back to…

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Avatar photo Joel
  • Newsletter

Practical Gifting, Streaming Hikes, & Avoiding Black Friday 🙅‍♂️

  • November 21, 2023
  • Tagged as: budgeting, credit score, personal finance, retirement investing, saving money, subscriptions

Dear everyone: It has come to our attention that some of you are planning to actually SPEND MONEY this Black Friday 🤮. Sooooo…. in order to distract you, we will be recording a LIVE podcast…

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Avatar photo Joel
  • Newsletter

Pragmatic Money Rules, Companion Pass Hack & Enjoying The Present 🙋‍♂️

  • November 14, 2023
  • Tagged as: 401k, budgeting, credit cards, emergency fund, saving money, travel hacks
Financial Rules of Thumb

Good morning everyone! Today is Tuesday. And tomorrow, Tuesday will be gone… And in a few weeks, we’ll be in December. And in a few months, we’ll have freezing cold weather. And in a few…

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Avatar photo Joel
  • Newsletter

Rich People Habits, Donating Stocks & Bye Bye Mint 😭

  • November 7, 2023
  • Tagged as: budget software, millionaire, personal capital, retirement investing, tracking expenses, ynab

Happy Tuesday, HTM family! A common misunderstanding many humans possess is thinking they need to choose between their well-being or success. Like it’s either one or the other… Science tells us the opposite. Self-care and…

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Avatar photo Joel
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