Episodes

  • BONUS: Stop Doing So Much w/ Justin Peters of FI Minded Podcast
    Mar 21 2026
    Thanks to Justin for having Joel on his show, FI Minded! ---
    The FI community is incredibly good at effort, optimization, and doing hard things for a long time. But somewhere along the way, many of us forget how to stop. Even after gaining more control over our time, we fill it back up with projects, commitments, and expectations, leaving us busy, tired, and quietly stretched thin.

    Joel Larsgaard shares what it looked like to recognize that “doing it all” was no longer sustainable, even when the work was meaningful. After front-loading years of effort through saving, investing, and building How to Money, Joel began intentionally pulling back: working fewer hours, prioritizing family and health, and even taking a six-week sabbatical. This conversation explores why doing less isn’t laziness, but a necessary evolution after years of striving.

    You’ll hear how financial independence can be used as a tool for time, not just wealth, along with practical ways to say no, resist constant expansion, and create space without losing ambition. If you’ve reached a point where more effort isn’t improving your life the way it used to, this episode offers a healthier path forward - one built on balance, presence, and intentional choices.See omnystudio.com/listener for privacy information.
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    43 mins
  • Friday Flight - Warflation, Attractive ARMs, & Drone Home Assessments #1116
    Mar 20 2026
    Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Listener side hustles like Star Craft Cocktails!Not so high prices at the pump?Spooked mortgage interest ratesWarflationHeadphones or elseDoes expensive oil lead to higher returns?24/7 oil futuresFive minute betsTicketmaster LiveNation is the worstGambling on the missile strikesWill Kalshi get shutdown?Drones in our backyardDownpayment assistance programsAttractive ARMs$40 billions towards youth sports Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.Money Gears: knowing what to do with your money is crucial to your personal finance journey.MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out!See omnystudio.com/listener for privacy information.
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    38 mins
  • Knowing Your Rights & Crushing Medical Bills w/ Jared Walker #1115
    Mar 18 2026
    Every year, patients are billed and stuck with $14 billion in medical debt that should be wiped out under existing hospital financial assistance rules. This debt isn’t inevitable, it’s unnecessary! Given the fact that medical debt is the number one cause of bankruptcy and a huge source of stress for families, is it a step too far to say that there is a medical debt crisis in America? We don’t think so and our guest today is doing something about it. Jared Walker is the founder of DollarFor, an organization helping people crush hospital bills they don’t legally owe. Since 2012, DollarFor has helped eliminate more than $125 million in medical debt nationwide. Some of the topics covered today:
    • The unnecessary strain of medical bills that many are not obligated to pay
    • Simply letting others know about “charity care” could drastically help their situation
    • Taking your time to negotiate bc medical bills don’t impact your credit score for a year
    • Hospitals often do not inform patients about available financial assistance programs
    • Medical debt impacting personal possibilities and economic progress
    • Avoiding products like Care Credit which sound nice but are just credit cards in disguise
    • And much more!
    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
    • Dollar For: You must check out the resources and tools at DollarFor.org if you are staring down a medical bill because there’s a good chance you can get it waived! Health Care Bluebook was also mentioned but be sure and look into Jared’s organization.
    • Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
    • Money Gears: knowing what to do with your money is crucial to your personal finance journey.
    • Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out!See omnystudio.com/listener for privacy information.
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    51 mins
  • Ask HTM – Deploying Cash to Recast or Invest, Free $ in Trump Accounts, & David Ramsey Falling Short #1114
    Mar 16 2026
    We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Mortgage recast: Should we take a windfall and recast our mortgage or use the lump sum to invest? 2 - Trump accounts: Where should 530a accounts land among the Money Gears… high or low priority? 3 - Thin credit: What should I do since I was denied a credit card due to a thin file? 4 - Used cars: Is buying a car from a private seller the best option and where’s the best place to look? 5 - Debt relief: So it turns out the company I signed up with for debt relief might be a scam, what should I do?! Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
    • Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
    • Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
    • Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
    • Money Gears: knowing what to do with your money is crucial to your personal finance journey.
    • MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.
    During this episode we enjoyed a Wavelength by Equilibrium Brewery! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out!See omnystudio.com/listener for privacy information.
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    57 mins
  • Friday Flight - AI Money Impacts, Side Hustle Salad Days, & Sullen Savers #1113
    Mar 13 2026
    Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: Rivian repairRobinhood PlatinumAI in our mortgage underwriting and our taxesSide hustle salad days56% of Zoomers hustlingSullen saversMore actively managed assets (is what we don’t need)Same with new venture fundsReal estate headwinds for investorsTariff refunds on the wayTicking tax bomb on forgiven student loans Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.Money Gears: knowing what to do with your money is crucial to your personal finance journey.MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out!See omnystudio.com/listener for privacy information.
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    42 mins