Ask HTM - 4 Hours to Dispute $3.16, All-In on the S&P 500, and Hitting Coast FIRE #1123

Ask HTM - 4 Hours to Dispute $3.16, All-In on the S&P 500, and Hitting Coast FIRE #1123

Author: iHeartPodcasts April 6, 2026 Duration: 1:00:20

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 - Coast FIRE: How are we doing based on how much we’ve got in our state retirement accounts?

2 - Savings Bonds: What do I do with these 30 year old savings bonds that I was gifted back in the 90s!?

3 - Frugal or Cheap: Is it worth spending 4 hours disputing a $3.60 incorrect charge on a medical bill?

4 - S&P 500: After recently wising up and switching to fully invest in the S&P, how do I eventually rebalance before retirement?

5 - Appliance Land: Refrigerator died so what should we keep in mind as we buy our new one?

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

 

During this episode we enjoyed a Blonde Fat Ale (CORRECTION: Fatale… I’m guessing bc of the ABV? But it really looks like Fat Ale on the can) by Backpocket Brewing – thanks Clint for sending this one along to us! 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.


Joel and Matt, two best friends who happen to be your guides through the world of personal finance, host this practical and approachable How to Money podcast. They cut through the noise and intimidation that often surrounds money topics, focusing instead on actionable strategies for everyday life. You'll hear straightforward conversations about getting out of debt, building an investment portfolio on your own terms, and mastering those small financial habits that add up to significant change over time. The core idea is that managing your finances shouldn't require a special degree or a wall of confusing terminology. This show from iHeartPodcasts is built on the belief that clear, unbiased guidance is a powerful tool for anyone. Each episode serves as a resource, offering knowledge you can apply immediately, whether you're just starting to budget or looking to optimize your long-term plans. Tune in for a down-to-earth discussion that makes business, education, and investing feel not only accessible but genuinely relevant to your journey toward financial confidence.
Author: Language: en-us Episodes: 100

How to Money
Podcast Episodes
Why Money Decisions Feel Rigged w/ John Campbell #1118 [not-audio_url] [/not-audio_url]

Duration: 53:15
This show exists to help you make smart decisions with your money. But if we’re being honest, How To Money might not be as necessary if the financial system weren’t so confusing in the first place. For a lot of people, n…
BONUS: Stop Doing So Much w/ Justin Peters of FI Minded Podcast [not-audio_url] [/not-audio_url]

Duration: 43:11
Thanks to Justin for having Joel on his show, FI Minded! --- The FI community is incredibly good at effort, optimization, and doing hard things for a long time. But somewhere along the way, many of us forget how to stop.…
Knowing Your Rights & Crushing Medical Bills w/ Jared Walker #1115 [not-audio_url] [/not-audio_url]

Duration: 51:21
Every year, patients are billed and stuck with $14 billion in medical debt that should be wiped out under existing hospital financial assistance rules. This debt isn’t inevitable, it’s unnecessary! Given the fact that me…
Are Teachers Doomed to a Broke Retirement? w/ Shaun Morgan #1112 [not-audio_url] [/not-audio_url]

Duration: 57:20
Joel married into a family of teachers. His father-in-law has spent nearly 40 years in the classroom, his mother-in-law has taught for 30, and his brother-in-law is an outstanding Spanish teacher. While it’s clear that e…