Ask HTM - Inflating the 25x Rule, Online Car Refinancing, & Affordable ADUs #727

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 - How should I account for inflation when using the 25x rule to forecast my retirement? 2 - Are sites like RateGenius and Autopay legit places to refinance my car? 3 - I have the cash on hand to build an Accessory Dwelling Unit (ADU), but should I use a construction loan instead? 4 - Should I stick $6,500 into a Roth IRA, a Health Savings Account, or a 457b? 5 - Listener win: reaching out directly to a company resulted in cash in my mailbox!   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.  Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Join a thriving community of fellow money in the HTM Facebook group. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   During this episode we enjoyed a Festbier by Bold Monk Brewing Co! 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.