Ask HTM - Societal Impact of Credit Card Fees, Auto Transfer vs Auto Invest, & Shielding Your Credit Report from a Bill in Collections #733

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 - I have a recurring transfer to my Roth IRA but is that money actually invested? 2 - How do I keep a bill in collections from hitting my credit report? 3 - Should my life insurance death benefit be based on my outstanding debts or on a multiple of my annual income? 4 - If the societal impact of credit card fees are so negative, shouldn’t we avoid using them altogether?   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 Walk on Water White by Bold Monk! 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.