Ask HTM - Gym Edition Frugal or Cheap, Blaming the Baby for Lifestyle Upgrades, and Dipping into Savings for a Camper #1087

Ask HTM - Gym Edition Frugal or Cheap, Blaming the Baby for Lifestyle Upgrades, and Dipping into Savings for a Camper #1087

Author: iHeartPodcasts January 12, 2026 Duration: 55:27

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 - Camper purchase: should I use my HELOC to replenish my emergency fund that we used to buy a used camper?

2 - Baby wealth: what accounts do I prioritize for my twins future and how should I be thinking about generational wealth?

3 - Expensive gyms: is it frugal or cheap to not tell my gym that I’m still paying the old rates?

4 - Apartment hunting: how should I approach the conversation with my landlord about breaking my lease due to our growing family?

5 - Crypto: is it a good idea to invest in individual stocks and crypto if they’re already represented in my portfolio via an index?

 

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During this episode we enjoyed a Dulce Muerte by Incendiary Brewing - a huge thanks to Brandon for donating this one to the show! 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!

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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

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