Ask HTM - Acorns to Jumpstart Investing, Seasoning a Cash Gift, & Social Security Running Out #1027
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 25 August 2025
⏱️ 53 minutes
🧾️ Download transcript
Summary
Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!
1 - Should I pay for Acorns to help me invest and what about real estate investing?
2 - How can I plan for the Social Security Trust Fund running out earlier than expected?
3 - Does it make sense to go with the financial advisor that my sister has recently hired?
4 - How long does a cash gift need to season in order for it to boost my credit score?
5 - FHA loan with a mortgage insurance premium vs waiting and saving up more?
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- Join a thriving community of fellow money in the HTM Facebook group.
- Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
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Best friends out!
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Transcript
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| 0:00.0 | This is an IHeart podcast. |
| 0:04.2 | Welcome to How to Money. |
| 0:05.8 | I'm Joel. |
| 0:06.4 | I am Matt. |
| 0:07.9 | And today we're answering your listener questions. |
| 0:33.5 | Okay. Yeah, buddy, episode 1027. Did you know that this was episode 1027, Joel? |
| 0:35.5 | I could assume we were in that vicinity. You could have, like, done the math. I just wanted to highlight this unorthodox milestone episode. 1027 does not sound like the number of episodes that we've done, but somehow we finished to pull it off. Here we are. It wasn't too long ago that we did the episode 1,000 asked me anything. So it makes sense. But the 1,000, there's something about just being in like the 10 whatevers. |
| 0:55.0 | Yeah. |
| 0:55.2 | You know, it's just kind of like, and we're still plugging along. |
| 0:57.6 | We're still doing it. |
| 0:58.8 | I love it. And you know what? It is one of the joys of my life doing the show. Hanging out with you. I love it, man. Also, answering list of questions. because while we're drinking a delicious craft beer, as people know, personal finance can be confusing. |
| 0:55.0 | We want to demystify, |
| 1:12.1 | and so we'll hopefully demystify a few things today on the show. Like in particular, there's a |
| 1:17.3 | listener who's wondering how to get started with investing, specifically. He's wondering if he should |
| 1:22.1 | look to acorns. We remember when that app rolled out. Blast from the past. Yeah. We're going to |
| 1:27.1 | give our hot takes on Social Security. |
| 1:28.9 | Talk about some of the different factors that we are paying attention to there. |
| 1:34.1 | And then we're going to take some payment questions. |
| 1:36.4 | We're going to talk about auto car loan payments. |
| 1:39.3 | We're going to talk about mortgage payments. |
| 1:41.3 | That and more during our episode today, buddy. |
| 1:43.4 | Can I reveal a quick story? |
... |
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