Ask HTM – Newlywed Downpayment Debate, Good Car Loans, and Failing to Max Retirement Account #1072

Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!   1 - Downpayment debate: should we put down more than 20% if we have extra money in our investment accounts? 2 - Car loan: is it worth signing up for a car loan with the dealership if it means I snag a four-figure discount? 3 - Special needs: how do I support my son with Down Syndrome while also preparing for retirement some day? 4 - Annuities: are annuities the ticket as a safe alternative investment? 5 - Maxing accounts: how discouraged should I be that I’m no longer able to max my HSA and Roth IRA?   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Our episode with the Shefska’s on how to pay as little as possible for your new car! 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. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   During this episode we enjoyed A Measured Procession of Veracity by Burial! 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.