How To Money

Feb 02 2025 187 ep. 34 mins 9

How To Money Podcast artwork

How To Money with Joel Larsgaard and Matt Altmix is heard every Sunday 12-2pm.

Joel and Matt are best friends who love talking about money while drinking delicious beer. So they created a podcast incorporating both! 45+ million downloads they are still energized by the mission of reaching people with practical money-saving advice.

The Status Quo Isn’t Working -- 40% of Americans don’t have the ability to cover an unexpected $400 expense, college students are graduating with unfathomable sums of debt, and the world of personal finance has become increasingly complex.

It’s Time to Make a Change -- Altering the way you handle your personal finances is a major part of the solution. But where do you start? Who can you trust? And how much will that advice cost you?

How To Money is a podcast & website providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, & crucial money tricks that will provide continuous help along your journey. We believe that access to free, unbiased, and jargon-free personal finance guidance is more necessary than ever before.

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Tax Season Is Here

Feb 02 2025 32 mins

DeepSeek sent the stock market into a tizzy this week. How should Chinese AI advances impact how you invest? We discuss! Ask HTM: Chelsea wants to know how to avoid fees on her old HSA account.Tax filing season has begun. There are ways to file for free. And beware the 1099-k that more filers will receive this year!Ask HTM: Kelly wants to know how to dial back on investing to save

Online Shoplifting Is On The Rise

Feb 02 2025 33 mins

Digital shoplifting is becoming a problem. But the people doing it don't think it's bad!Ask HTM: Amber has a question about online banks.The future of EVs is looking less certain as Trump executive orders are being signed right and left.Ask HTM: Joe wants to know if he should skimp on tires. Upgrade to the nice ones or opt for value?

Larger Emergency Fund

Jan 26 2025 33 mins

How will the Trump presidency impact your personal finances? Matt and Joel have some thoughts.Ask HTM: A listener wants to know if he needs to get into real estate investing in order to be diversified.Marketwatch says that many folks should consider amassing an even larger emergency fund. But that's a tall order for most folks!Ask HTM: How to get rid of an RV without crushing your

Too Many Scams

Jan 26 2025 33 mins

Are toys a scam? Most households have far too many that don't get played with!Ask HTM: Ophelia is trying to be strategic about buying a home in the coming years and wants some savings advice.Restaurant kiosks are being implemented more and more in an attempt to upsell consumers. Don't supersize or add extra items! Plus, renting is underrated.Ask HTM: Bonnie wants to know some detai

Investing in 529 Accounts

Jan 19 2025 32 mins

@HowToMoney (1/19)Hour 1: AI money advice is coming to an app store near you. But is it actually helpful? We think you should probably avoid it! Ask HTM: Eric wants to know if real estate needs to be a part of his portfolio or not.Consumers flocked to BNPL apps this holiday season. That means they'll be paying off their holiday purchases for months to come. Ask HTM: Florina wants t

Addicted to Trading Stocks

Jan 19 2025 32 mins

@HowToMoney (1/19)Hour 2: It's easier than ever to become addicted to almost anything these days. And the WSJ details how men are getting addicted to trading stocks. Matt and Joel have an honest chat about the importance of pursuing boring investing methods!Ask HTM: Nathan wants to know if he should spend his HSA funds down or not to fund a dental procedure. Skechers is crushing Ni

@HowToMoney (01/05) Hour 1 | Retiring Early

Jan 05 2025 32 mins

IRL hangs might be the key to saving money in 2025.Decision fatigue is real! Matt and Joel discuss how to make a wise choice when presented with too many options.Financial advice is more accessible than ever - and less expensive too. Matt and Joel document the best places to turn if you're in need of professional advice. Ask HTM: Jeff is retiring early. Woo hoo! He has a question a

@HowToMoney (01/05) Hour 2 | Bing Shopping Is Messing Up Everyone's Life

Jan 05 2025 32 mins

Binge shopping is a legit problem in the USA these days. We talk about how to combat that urge in order to reduce your spending this year! Ask HTM: Mike wants to know if he needs an escrow account or if he can DIY it instead.Honey, the coupon code app, isn't as good as it seems. We detail the nefarious ways it has actually been taking advantage of creators and consumers.Ask HTM: Co

@HowToMoney (12/29) Hour 1 | Money Influencers

Dec 29 2024 32 mins

Hour 1: Watch out for money influencers on social media. Their info is often misleading! Ask HTM: Brandon wants to know if he's being frugal or cheap with a local small business.Changing employers won't net you nearly as much of a pay raise as it did back in 2022. Ask HTM: A listener wants to know how to finance a study abroad trip

@HowToMoney (12/29) Hour 2 | Sports Betting

Dec 29 2024 32 mins

Hour 2: Sports betting is becoming more of a problem. And users are tapping their investments to bet on their favorite teams. Not good!Ask HTM: How to help a relative with a really big inheritance? People are buying more stuff these days and are also making more returns. Joel and Matt talk about the importance of knowing specific retailer return policies. Ask HTM: Mikail wants to k