How to MoneyHow to MoneyHow to MoneyHow to Money
Apple Podcasts
  • Start Here
    • The Money Gears
    • Top 10 HTM Episodes
    • Totally lost? Read this.
    • About Us
      • Joel Larsgaard
      • Matt Altmix
      • Awards and Mentions
    • Resources
  • Earn
    • Asking for a Raise
    • Choosing a Side Hustle
    • Starting a Business Without Any Money
    • How to Start House Hacking
  • Save
    • 27 Ways to Save Money
    • Budgeting 101
    • Saving for a House Down Payment
    • How to Buy a Cheap Car
    • How To Ask for a Discount
  • Invest
    • Investing 101: A Beginner’s Guide
    • How to Buy a Rental Property
    • Calculating Net Worth
    • How To Retire Early
    • How to Buy Index Funds
    • Find an Advisor
  • Debt
    • How to Get Out of Debt
    • How to Pay Off Student Loans
    • Debt Snowball vs. Avalanche
    • Boost Your Credit Score
  • Cards
    • Credit Card Best Practices
    • Our Favorite Credit Cards
    • The High Cost of a Crappy Credit Score

This is a placeholder for your sticky navigation bar. It should not be visible.

Tag: money goals

  • Budgeting

How to Fix a Failing Budget

  • March 13, 2025
  • Tagged as: credit cards, debt avalanche, gamify, mindful spending, money goals, saving for retirement
fix a failing budget

If you tried and failed, congratulations. Most people don’t even try! Now, here’s how to fix that failing budget of yours.

Leave a reply
Avatar photo Joel
  • Personal Finance

How to Become a Millionaire – 5 Practical Steps

  • March 6, 2025
  • Tagged as: 401k, budgeting, earning more, Financial Independence, financial optimism, financial stress, index funds, lifestyle creep, Millionaire Real Estate Investor, money goals, money mindset, roth ira, saving for retirement
How to become a millionaire header

Here are the practical steps, habits to form, and mindset you’ll need to adopt for how to become a millionaire.

Leave a reply
Avatar photo Joel
  • Saving money

12 Ways To Stop Dipping Into Your Savings

  • February 7, 2025
  • Tagged as: budgeting, emergency fund, HYSA, mindful spending, money goals, side hustles, sinking funds
stop dipping into your savings

When you master these ways to stop dipping into your savings account, you’ll have more financial security and less money stress in life!

Leave a reply
Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Personal Finance

Financial self-care: Why you need it & how to practice

  • February 4, 2025
  • Tagged as: cheap hobbies, compound interest, debt management, emergency fund, financial stress, frugal living, money goals
financial self-care header photo

Self care should be a cornerstone of your weekly routine. Your cup needs to be full before you can pour the most for others. And a big part of filling your own cup is practicing…

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

Ask Matt & Joel: I have $60k to invest. Should I dollar cost average or invest it all at once?

  • October 20, 2024
  • Tagged as: dollar cost averaging, index funds, money gears, money goals, saving for retirement, savings rate

Today’s question comes from Nicholas in Richfield, OH… “Hi, Matt, and Joel. I had a question about an investment option for $60k that I currently have sitting in my Vanguard money market account. A little…

Leave a reply
Avatar photo Joel
  • Investing

Maxed out your 401k and Roth IRA? What next?

  • October 8, 2024
  • Tagged as: 401k, Financial Independence, money goals, retire early, retirement investing, roth ira

Well hey there, overachiever! Sounds like you’re crushing your money game already and maxing out the most obvious retirement accounts available to you. Congrats! OK, so what now? No one would blame you if you…

Leave a reply
Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Saving money

How to Avoid Buying Stupid Sh*t You’ll Regret Later

  • June 8, 2024
  • Tagged as: budgeting, Financial Independence, mindful spending, money goals, personal finance

I’ve wasted so much money in my life. Oh, how I wish I could go back in time and stop myself from buying that surfboard I never rode, that expensive watch I never wear, or…

Leave a reply
Joel O'Leary
  • Career

How to Take A Year Off Work (and Come Back Even Stronger)

  • January 18, 2024
  • Tagged as: budgeting, cutting monthly bills, gap year, healthcare costs, money goals, negotiation, saving for retirement, travel hacking

We’ve all been there… You take a week off for a vacation, but when you arrive at your tropical destination, you’re still thinking about work. It takes a few days to fully disconnect your brain…

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

How to Budget on a Variable Income

  • November 5, 2023
  • Tagged as: freelance, money goals, retirement investing, saving money, side hustles, tracking expenses, ynab

If you’re a freelance/gig worker or small business owner, learning how to budget on a variable income is super important! Here’s how to do it!

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

How to Make a Budget – A Beginner’s Guide

  • October 3, 2023
  • Tagged as: budget software, budgeting, emergency fund, mindful spending, money goals, retirement investing, saving money, tracking expenses, ynab

I have a friend who makes a lot of money working as an engineer for a high paying tech company. Yet he always seems to complain about not having any money left to save at…

Leave a reply
Brit DiTocco, Financial Writer at How To Money Britney DiTocco
1 2 »
How To Money may receive compensation through our partnership with advertisers when you click on links to offers on this page. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain. Terms apply.
Apple Podcasts
How To Money © 2026
  • Start Here
  • Earn
  • Save
  • Invest
  • Debt
  • Credit Cards
  • Contact
  • Privacy Policy