PODCAST · news
How To Money
by KFI AM 640 (KFI-AM)
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
Episodes
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401k Mullets are the Hot Trend Right Now. Also, the Desire to be Great and to Make Progress is a Good Thing!
Ask HTM: Alex wants to know how to handle a private student loan. The balance is growing by the day. Credit card debt has reached a new high. And defaults are rising. Not good! Ask HTM: Tom is spending more than he makes. What to do!? links: Wealthramp review See omnystudio.com/listener for…
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No, You Can't Claim Your Pets in Order to Get a Tax Benefit.
Ask HTM: Esa wants to know if she's ready to open a taxable brokerage account. Prediction markets crushed it during the Super Bowl. You should still avoid them! Ask HTM: Ditching Amazon Prime - good idea or not? See omnystudio.com/listener for privacy information.
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Housing Increases and Younger Homebuyers Struggle More
Hour 2: Many retired investors are trading just as much, if not more, than Gen Zers. They're too fixated on the daily machinations of the market! Ask HTM: Abby has a nerdy question about taking HSA distributions. The President recently said that he wants home prices to go up, to the chagrin of…
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Skimpflation and Paying Headhunters to Find a Job!
Hour 1: Is skimpflation becoming more of a problem? Instead of shrinking packaging, some companies are reducing the quality of goods and services. Ask HTM: Daniel wants to know if her should let his medical bill go to collections or just pay it. The job market is stagnant. Individuals are now...
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Get Ready for Ads in Your Car
Hour 2: Carmakers are set to serve up ads on screens in your car. Also, are Chinese EVs the low-cost vehicle of the future? Ask HTM: Mike from CA wants to know about when a Roth conversion makes sense. Where you live has a lot of influence over whether or not your income is keeping up with rising...
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Financial Hype vs. Fundamentals
Hour 1: Watch out for Mr. Beast's new cryptocurrency. Also, 'the lipstick effect' is in full swing in the US economy right now. Ask HTM: Amy wants to know if she should sell her iBonds or hold onto them. Vanguard has slashed fees for its customers again. Great news! Ask HTM: Michael wants to know...
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Tipping Fatigue Continues
Hour 1: US Mobile is taking care of its customers. They are also having an incredible sale right now. Also, tipping fatigue continues to grow. Ask HTM: Jonathan wants to know why money gear #2 comes before money gear #3. A question about investing vs paying off debt! You can file your taxes now....
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The Affordability Crisis
Hour 2: Water sommeliers are apparently a thing now as fancy, single-source water gets the wine treatment. Ask HTM: Nina wants to know if she should contribute to her Roth 403b or not. Matt and Joel discuss the affordability crisis, and how to handle rising costs across almost every area of our...
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A Thing or Two That Doesn't Actually Save You Money
Hour 1: Mocktails might help you drink less, but they won't save you money. Also, student loan wage garnishment has been paused...for now. Ask HTM: Phil wants to know how owning assets impact your credit score. The Bilt credit card will finally allow homeowners to pay their mortgage and earn…
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No Need to Save for Retirement Anymore?
Hour 2: Individual chatbots are becoming normalized...and they're very expensive. Ask HTM: Stephanie wants to know how to proceed with her investing goals after maxing out her Roth IRA. Elon Musk says saving for retirement is soon to become irrelevant thanks to AI. We still suggest saving and...
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Longevity Calculator
How To Money Hour 1 (01/18) - Matt and Joel talk about longevity calculators and why it's crucial to think about how long you might live! Also, caps on credit card interest rates are a bad idea. Ask HTM: Andy wants to know about liability as a landlord and how to protect himself. It's truly...
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401k Decrease and Money Investments
How To Money Hour 2 (01/18) - Investing in Pokémon cards is being touted by influencers. But it's a highly speculative way to invest. Ask HTM: Josh (NC) wants to know about health sharing companies and whether they're a decent place to turn instead of traditional health insurance these days.…
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Wage Garnishments, World Cup Tickets, and Money Curveballs
Many student loan borrowers are going to be in for a rude awakening as wage garnishments are set to start this month for borrowers who are in default. Ask HTM: Katie (WI) bought a camper with her emergency fund. Does tapping her HELOC to replenish the e-fund make sense? Tickets to the World Cup...
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The Housing Squeeze, Overdraft Traps, and Generational Wealth
Many young folks are becoming nihilistic when they think home ownership is no longer a possibility for them. Ask HTM: Andrew wants to know how to break his lease because he's got a baby on the way! Overdraft fees are, once again, on the rise. We talk about how to avoid them altogether. Ask HTM:...
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Investments and Money Efficiency
Hour 1: HSAs access is growing. Also, dollar stores are in trouble for regularly overcharging customers. Ask HTM: Paul wants to know if he should pay off his mortgage or invest instead. Target date funds are getting more complex and less appealing. Ask HTM: Mary wants to know about more efficient...
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"Gamblification" Is Getting Worse
Hour 2: Many real estate investors are finding themselves in a tight spot right now as market conditions soften. Ask HTM: Rajet might need to move back to India to take care of his parents. How should he prepare financially? The gamblification of America is getting worse, including supposed '100%...
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What did the Black Friday/Cyber Monday trends look like? Also, be aware of store return policies!
Ask HTM: Max wants to know how much of a down payment to put down when buying a home. Trump accounts are here! Matt and Joel parse the details about how to get the free $1k and whether these accounts make sense for other families. Ask HTM: Question about antics he experienced when buying a car.…
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Are some homeowners 'trapped' in their homes!? A recent NYT article makes it sound like that. But it's hogwash.
Ask HTM: Casey wants to prepare for his family now that he has a child with a disability. What is the poverty line in America? It's certainly not $140k the way some folks might make you think! Ask HTM: A HTM listener wants to know if annuities are a good investment product or not. See...
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The Challenges of High-End Credit Cards
It's getting harder to take advantage of high-end credit cards. Know the hurdles to earning rewards before you sign up for a card with an exorbitant annual fee! Ask HTM: Tim wants to know about the ethical nature of filing a claim for a new roof when it's not truly damaged. Tariff rollbacks on...
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Sock for Your iPhone?!
Apple has launched a new 'sock' to store your phone. It costs $230! Joel & Matt talk about ridiculous overpriced items. Ask HTM: Steve is worried about AI's impact on his small business. Should he change his investments? Electric vehicles are losing their luster. And prices remain high on EVs.…
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Lunch Is Expensive!
How To Money Hour 2 (11/09) - Eating out for lunch is expensive! Eat leftovers instead, folks. Ask HTM: A Facebook poster wants to know if paying off his mortgage will harm his credit score. Ads are everywhere these days! They're getting incredibly annoying. Matt has a tip for avoiding ads on...
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Cars Aren't Cheap Anymore
How To Money Hour 1 (11/09) - Cars aren't cheap anymore, far from it, but Americans are making them cost quite a bit more because of their idiotic financing moves. A HTM listener has a question about open enrollment and how to choose his healthcare plan wisely. Also, what's going on with the job...
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The State of the Craft Beer Industry & More!
Joel and Matt discuss the state of the craft beer industry. And offer a little economic analysis for why craft breweries aren't thriving in 2025. HTM listener Morgan contributed too much to her 401k. It's a good problem to have, but it's still a bit of a problem. Plus, Credit card churning is...
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Joel Ran His First Marathon!
Joel just ran his first marathon, but it's amazing how much money people are spending on what has been such a simple hobby! HTM listener Katie has a question about how to calculate her savings rate. Plus, the more money you have, the harder it gets to manage. Also, a HTM listener wants to use a...
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Debt For Devices?
Thinner iPhones are coming! But they're expensive. And way too many Americans seem to be fine with taking on debt to buy a new tech device. But that's a terrible idea! Ask HTM: Clint wants to know about protein-loading on the cheap. Health insurance costs are on the rise. Matt and Joel offer tips...
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No More Wasting Money
Sports gambling is becoming a pervasive problem. Many young men are finding themselves addicted and in serious financial trouble. Ask HTM: Anna wants to get her 529 contributions right, ensuring she gets the max state tax deduction she's eligible for. Social Security is the most valuable asset…
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Is It Worth It?
Does hard work still pay off in the good ol' USA? Most Americans don't think so! Ask HTM: John wants to know if he should keep his condo as an investment or sell it instead. Stocks are at-all time highs...and record-high valuations. Should that impact how you invest!? Ask HTM: Jennifer wants to...
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Should You Go Then?
Customer loyalty sounds like a good thing...but it could cost you. Ask HTM: Mike wants to pay off $50k of credit card debt. You might want to start setting airfare alerts for holiday travel. Ask HTM: Nicole wants to know about investing in real estate online. Is it a good idea? See...
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The Certificate Trap: Why More School Doesn’t Always Mean More Pay
Is more education always a good thing, leading to better pay? Nope. New information reveals that many job skills certificates are a total waste of your time and money. Ask HTM: Bryant is 25 and wants to know how he and his wife should be investing. More Americans are opting to use debit cards...
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Why Pouring Money Into Your Kids’ Accounts May Backfire
Some parents are investing lots of money on behalf of their young kids. Surprisingly, we don't love hearing that! Ask HTM: Stephen wants to know if premiums go up on homeowners insurance when you file a claim. Politics is driving economic beliefs and investment strategy for far too many…
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Winning the Customer Service Battle
School is back! Matt and Joel talk about how to save money on school supplies and lunches. Ask HTM: Wendy wants to know if she needs a financial advisor to help her out. Is work/life balance really possible if you're pursuing financial independence? Some might say it's not. Some sacrifices are...
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Will Social Security Still Be Around?
Alternative investment companies tout that you can "invest like the 1%!" Sadly, many are losing money hand over fist. Ask HTM: Question about borrowing money for a car and how that impacts a credit score. Older Americans are renting in greater numbers. That's not necessarily a bad thing! Ask HTM:...
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Why the Housing Market Hit the Brakes
Joel's battle with Peloton's silly fees. Also, the housing market has slowed dramatically. Where do things go from here? Ask HTM: A parent wants to know if they should be investing in their kids 529 plan...or if it's overrated. In a policy reversal, medical debt is going to start impacting credit...
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AI Damage Fees? Hertz Customers Are Seeing Red—Here’s How to Protect Yourself
Hertz is using AI to assess damage to its cars. And customers aren't happy about it. HTM tells you how to protect yourself! Ask HTM: Quay wants to know how to handle an inheritance wisely. Hybrid work is no longer the norm. And more folks are finding themselves working at all hours of the day and...
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Cash Windfalls & Floor Model Mattresses
Joel talks about his dishwasher arbitrage play. Also, does the Moody's credit downgrade matter? Ask HTM: Cheryl inherited some money and wants to know the wisest way to proceed with extra money in hand. Some high school juniors are getting $70k job offers. It reinforces the reality that there's a...
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Gas, Gold, and Overfunded IRAs
More gas stations are charging extra if you pay with a credit card. Beware! Ask HTM: What should you do if you overfund a Roth IRA!? Americans believe that real estate and gold are the best investments in existence. But the numbers reveal that there's an even better way to invest. Ask HTM…
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Dumpster Diving for Gold: Why Gen Z is Ditching Designer Furniture
One person's trash is another person's treasure. Recent college grads are abandoning really nice stuff! It could be a pickers paradise. Ask HTM: Should you rent a car when going on an epic road trip? Third party apps are collecting data on us. Could that be contributing to the rise of insurance...
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Even God Would Get Fired: The Myth of the Stock-Picking Genius
Even God would get fired as an active investor. So what makes you think you can be highly successful over time investing in single stocks!? Ask HTM: Jessica wants to know if she should pay for daycare with a credit card - even if it costs extra to do so. Used cars are starting to go up in value...
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Stocks, Savings & Security: Smart Money Moves in an Uncertain Economy
The job market is more tumultuous right now, especially for college graduates. Ask HTM: Wayne wants to know if he should lend his stocks in order to make more money. More workers are reducing contributions to their workplace retirement accounts because they're worried about the economy. This…
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Swipe, Sip, or Save: Gen Z Money Moves, Amazon Temptations, and Big-Ticket Decisions
Mocktails are ridiculously expensive these days! Also, Gen Z is reluctant to open a bar tab - that could be sneaky smart. Ask HTM: Caden wants to know if he should get another credit card. We're buying everything on Amazon, including clothing. Amazon makes shopping easy, but that frictionless...
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Cash Uncovered
One person's trash is another person's treasure. Recent college grads are abandoning really nice stuff! It could be a pickers paradise. Ask HTM: Should you rent a car when going on an epic road trip? Third party apps are collecting data on us. Could that be contributing to the rise of insurance...
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Swipe or Skip
Even God would get fired as an active investor. So what makes you think you can be highly successful over time investing in single stocks!? Ask HTM: Jessica wants to know if she should pay for daycare with a credit card - even if it costs extra to do so. Used cars are starting to go up in value...
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Miles, Money, and the Big Beautiful Bill
Southwest is officially charging for checked bags as of this week. That policy change should cause us all to reconsider our loyalty to a particular airline. Ask HTM: Nate has a frugal vs cheap about buying razors. The big beautiful bill is gonna change things on the tax front in a big way! HSAs…
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Smart Moves with Points and Property
Credit card points are being devalued right and left. Matt and Joel tell you what you need to know to spend the points you've accumulated in an optimized way. Ask HTM: Cade has a question about how to invest beyond his company match. Renting is cheaper than buying basically everywhere right now....
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Cash Windfalls & Floor Model Mattresses
Joel talks about his dishwasher arbitrage play. Also, does the Moody's credit downgrade matter? Ask HTM: Cheryl inherited some money and wants to know the wisest way to proceed with extra money in hand. Some high school juniors are getting $70k job offers. It reinforces the reality that there's a...
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Streaming Sticker Shock, Car Cash Hacks, and Roth IRA Tips
The trend of cutting the cord continues. But with the proliferation of streaming channels, like ESPN's new $30 a month service, you could be spending more than you used to with cable! Ask HTM: Mary wants to know about funding a Roth IRA for a kiddo. Online car-selling sites are trying to convince...
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AI Therapy or AI Trickery?
The #1 use case of AI is therapy and companionship. But AI bots are lying to users about having the credentials of a real therapist! We're a little worried about our tech overlords pushing AI on us at every turn. Ask HTM: Yesel wants to know how to invest when she's on sabbatical. Chinese tariffs...
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Tiny Homes, Big Questions: Downsizing, Credit Cards & Coverage Cutoffs
New home and apartment sizes are shrinking in the US. Opting for a smaller abode could be a great move for your finances! Ask HTM: Ben wants to know if you need a credit card to get through life. Target date funds continue to gain steam. They can be a great option for many investors! Ask HTM…
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Bad Advice, Big Decisions: Credit Myths, Career Shifts & Retirement Rifts
An article about raising your credit score is full of bad info. Matt and Joel pick it apart. Ask HTM: Edward wants advice about going to back to school for a more enjoyable career. People are freaking out about social security and many are opting to snag their benefit sooner than they should....
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From Bare-Bones EVs to Building Resilience
A new Vanguard study finds that folks with $2k in savings are much more financially resilient. So don't neglect your savings. Ask HTM: Ann in CA wants to avoid living paycheck to paycheck. Does she need a financial coach? Slate Auto is launching a bare-bones electric truck for under $20k. Matt…
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ABOUT THIS SHOW
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
HOSTED BY
KFI AM 640 (KFI-AM)
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Frequently Asked Questions
How many episodes does How To Money have?
How To Money currently has 263 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is How To Money about?
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...
How often does How To Money release new episodes?
How To Money publishes regularly with 263 episodes available. Check the episode list for the typical release schedule.
Where can I listen to How To Money?
You can listen to How To Money on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts How To Money?
How To Money is created and hosted by KFI AM 640 (KFI-AM).
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