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How to Money

iHeartPodcasts
Personal Finance
Financial Independence
Investing
Frugality
Credit Cards
Debt Management
Student Loans
Budgeting
Home Ownership
Financial Literacy
Real Estate
Inflation
Financial Planning
Personal Finance Education
Roth IRA
Debt
Real Estate Investing
Consumerism
Retirement Planning
Housing Market

Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your m... more

PublishesDailyEpisodes1233Founded9 years ago
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InvestingBusinessEducation

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Artwork for How to Money

Latest Episodes

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 week... more

“There’s nothing new under the sun.” That comes from Ecclesiastes. But it’s a piece of wisdom we tend to neglect. It's often said that those who forget history are doomed to repeat it. But what if a poor understanding of history does something else t... more

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 ... more

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 week... more

Key Facts

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Find out how many people listen to this podcast per episode and each month.

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Recent Guests

Mike Nees
Listener from Perrysburg, Ohio; family of five sharing mortgage refinancing questions
Episode: Ask HTM – Investing or Parking Cash, Ignoring Family Money Advice, & When Rates are Low Enough for a Refi #1177
Jack Raines
Author of Young Money, part memoir and guidebook for the next generation
Young Money (author/brand)
Episode: A Field Guide to Wealth & Purpose in Your 20s w/ Jack Raines #1175
Chanel Reynolds
Founder of getyourshiztogether.com; author of What Matters Most
getyourshiztogether.com
Episode: Preparing for the Unthinkable w/ Chanel Reynolds #1172 (Bestie Ep)
Aja Evans
Licensed mental health counselor; focuses on financial wellness and money mindset
Asia Evans Counseling
Episode: Mental Health is Financial Health w/ Aja Evans #1169 (Bestie Ep)
Paul Merriman
Foremost expert in DIY investing; founder of Merriman Wealth Management and Merriman Financial Education Foundation
Merriman Wealth Management; Merriman Financial Education Foundation
Episode: Turning Thousands Into Millions w/ Paul Merriman #1166 (Bestie Ep)
Dr. Jean Twenge
Professor of psychology at San Diego State University, author on generational differences
San Diego State University
Episode: The Myth of the Broke Millennial w/ Dr. Jean Twenge #1163 (Bestie Ep)
Lacey Langford
Financial coach, veteran, mill spouse, entrepreneur
Military Money Show
Episode: Military to Millionaire w/ Lacey Langford #1160 (Bestie Ep)
Johanna Samara
Vice President of Debt Resolution at Money Management International
Money Management International
Episode: What Most People Get Wrong About Paying Off Debt w/ Johanna Samara #1157
Bola Sokunbi
Founder of Clever Girl Finance, author of Clever Girl Millionaire
Clever Girl Finance
Episode: Earn Your Freedom: Doing the Work That Pays Off w/ Bola Sokunbi #1154

Hosts

Joel
Co-host of the show, leads discussions and often drives episode structure
Matt
Co-host of the show, provides analysis and responses, often adds practical context

Reviews

4.6 out of 5 stars from 4.4k ratings
  • Kramer quote

    Love the show - just an FYI, here’s to “feeling good all the time” is Kramer quote from Seinfeld.

    Apple Podcasts
    5
    Larz Davidson
    United States3 months ago
  • One of my Favorite Shows Takes a Weird Jingoistic Turn

    I have been listening to the show for a long time and I really enjoyed it and taking a lot of great investment and money advice. But today’s episode was so bizarre, going off on a generous rant about America and how amazing it is while we’re in the middle of a war and disenfranchising gerrymandering and attacks on our citizens. It really turned me off and made the whole podcast seemed very out of touch.

    Apple Podcasts
    3
    kevbot217
    United States4 months ago
  • Impact

    The impact’s impact was impactfully impactful.

    Apple Podcasts
    1
    _111_1_
    United States4 months ago
  • Sorry I had not left a review yet!

    I have listened to the show a couple of years now, and I really enjoy Matt and Joel’s perspectives on finances and life in general. I have learned a lot about investing, and I want to thank you both for your efforts in improving financial education for many listeners.

    Apple Podcasts
    5
    WesleyJellin
    United States4 months ago
  • Mostly strong content

    But they sometimes have strange insight.

    Apple Podcasts
    5
    Interested bystander
    United States5 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Audience appreciates guests who offer practical, long-term investing and budgeting insights.
Some criticism centers on perceived political commentary affecting content balance.
Feedback highlights balanced perspectives, with occasional debates on political topics.
Listeners praise clear, actionable money guidance and relatable hosts.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

Ask HTM – Investing or Parking Cash, Ignoring Family Money Advice, & When Rates are Low Enough for a Refi #1177
Q: When Mike considers refinancing, what is the payback mindset he should use beyond just chasing a lower rate?
Focus on the payback period for the refi—how long it will take for monthly savings to cover the refinancing costs, and whether that period fits his plans to stay in the home—then compare with potential future rate movements and alternative uses for the cash.
Ask HTM – Investing or Parking Cash, Ignoring Family Money Advice, & When Rates are Low Enough for a Refi #1177
Q: What should Audrey consider when she debates following her father's stock picks vs. using a broad index fund like VU?
The hosts advise sticking with broad, low-cost index funds for long-term investing, cautioning that individual stock picks and certain ETFs can be more volatile and often underperform the market over time. They also emphasize diversification and a conservative allocation of higher-risk bets (e.g., crypto) to a small portion of the portfolio.
Ask HTM - Vital Insurance That’s Not On Your Radar, Budgeting w/ A Variable Income, & Taxes Owed When You Sell Your House #1171 (Bestie Ep)
Q: What should I do to prepare for taxes if I sell my home for a big profit?
Keep detailed records of cost basis, including purchase costs and improvements, understand capital gains thresholds for married vs. single filers, and consider other tax-saving moves like maximizing retirement contributions to reduce AGI.
Ask HTM - Vital Insurance That’s Not On Your Radar, Budgeting w/ A Variable Income, & Taxes Owed When You Sell Your House #1171 (Bestie Ep)
Q: How do I budget when my income is self-employed and irregular?
Start with a three-month snapshot of recent expenses and income, build a larger emergency buffer (potentially nine to twelve months), and create a bare-bones budget to handle lean times while planning for excess funds to be allocated to retirement or investments.
Preparing for the Unthinkable w/ Chanel Reynolds #1172 (Bestie Ep)
Q: Why is updating beneficiary designations critical, especially for retirement accounts?
Beneficiary designations override wills in many cases, so ensuring the correct person is named on 401(k)s, accounts, and life insurance is essential to ensure assets go to the intended recipients.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
Interests
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Age Range
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Frequently Asked Questions About How to Money

What is How to Money about and what kind of topics does it cover?

This show centers on practical, approachable personal finance for everyday life, with a steady mix of debt payoff, investing basics, budgeting hacks, and real-world money decisions. Episodes frequently unpack trade-offs in housing, healthcare, insurance, and taxes, all through a lens of accessibility and long-term planning. A recurring strength is translating complex financial concepts into actionable steps and memorable anecdotes, while keeping a calm, down-to-earth tone that appeals to listeners who want tangible results without jargon. A notable edge is the hosts' willingness to challenge popular money maxims and bring nuanced perspectives to common money questions, making it useful for a broad audience including beginners and seasoned s... more

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To see how many followers or subscribers How to Money has on Spotify and other platforms such as Castbox and Podcast Addict, simply upgrade your account. You'll also find viewership figures for their YouTube channel if they have one.

Which podcasts are similar to How to Money?

These podcasts share a similar audience with How to Money:

1. The Stacking Benjamins Show
2. Catching Up to FI
3. BiggerPockets Money Podcast
4. Afford Anything | Get Smarter With Money
5. ChooseFI | Financial Independence Podcast

How many episodes of How to Money are there?

How to Money launched 9 years ago and published 1233 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

How do I contact How to Money?

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Where can I see ratings and reviews for How to Money?

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What guests have appeared on How to Money?

Recent guests on How to Money include:

1. Mike Nees
2. Jack Raines
3. Chanel Reynolds
4. Aja Evans
5. Paul Merriman
6. Dr. Jean Twenge
7. Lacey Langford
8. Johanna Samara

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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