Pros and Cons of Consolidating Student Loans

We recently dove into the topic of refinancing your student loan. That can be a great way to reduce your monthly payments, lower your interest rate, or change your loan terms IF it makes sense…

Our Favorite Credit Cards for How You Spend

How to Money has partnered with CardRatings for our coverage of credit card products. How to Money and CardRatings may receive a commission from card issuers. see disclosures for more info. Credit cards can be…

Free and Automated Investing with the M1 App

Sorry Vanguard, but it’s time to introduce everyone to your more tech-savvy younger brother, M1 Finance. Anyone who listens to the podcast knows how much we love Vanguard’s low-cost index funds and how they can…

Ask HTM: Savings Interest Rates are Dropping, What to do if You’re Overpaid, and Investing in an ESPP – Episode 156

This week on the podcast we’re answering your questions! 1 – I was overpaid by my employer, what should I do now? 2 – Should I convert my 401k into an IRA? What considerations should…

Waking Up Early and Intentional Living with 5am Joel – Episode 154

It’s probably going to be hard, but waking up earlier this year can help you to get your personal finances in order! We’re excited to talk with our friend 5am Joel about how he got…

A New Year with More Margin – Episode 153

When 80% of folks report that they’re living paycheck to paycheck, it’s clear that this lack of margin in our lives is a major contributing factor to why we have some much stress in our…

Ask HTM: Before Renting Out a Spare Bedroom, Transitioning a Side Hustle to a Small Business, and Why Most 403(b) Accounts Suck – Episode 152

This week on the podcast we’re answering your questions! 1 – Should I consider renting out a furnished spare room, and do I go about to vet possible roommates? 2 – How diversified are index…

Money, Your Brain, and Buying Happiness (Bestie) – Episode 151

Merry Christmas and happy holidays! In the midst of all the festivities, now is a good time to ask ourselves: “Buying new stuff makes us happy, right?” Well if you have a need that is…

Don’t Mess Up Your Taxes, with Keith Schroeder – Episode 150

Our guest today is Keith Schroeder who began working in the backwoods of Wisconsin on a family farm fixing silo unloaders- not the kind of job most of us had growing up! But his passionate…

Cash, Debit, or Credit? – Episode 149

How we pay for things has a LOT of implications. Chances are whether you use “cash, debit, or credit” is more a result of habit than a thoughtful approach to your spending. “I use my…

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