Ask HTM - Applying for a Credit Card with Frozen Credit, Paying Down Student Loans vs Investing, and Purchasing a Used Car without a Local Bank #208
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 1 June 2020
⏱️ 53 minutes
🧾️ Download transcript
Summary
We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/
1 - How big should my emergency fund be and should I count my Roth contributions towards that cash cushion?
2 - Should I open up a high interest custodial savings account or a 529 Plan for my baby with some gift money?
3 - Is it OK to snag a store discount by signing up for a store credit card, even though my credit is frozen?
4 - As a recent graduate, should I pay down my student loans or begin investing instead?
5 - How do I go about buying a used car without a brick and mortar bank?
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Transcript
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| 0:00.0 | The One You Feed is a podcast that explores how you can support your mental health. |
| 0:04.4 | I'm your host, Eric Zimmer, and through insightful interviews with psychologists, |
| 0:08.4 | spiritual teachers, researchers, and more, we share the stories that help you feel less alone |
| 0:13.5 | in your struggles. We offer practical ways to support your mental health even in difficult times, |
| 0:19.1 | and we teach you how to live with more joy and less anxiety. Learn what good mental health can |
| 0:24.5 | mean for you, especially now during mental health awareness month. Listen to the One You Feed on |
| 0:29.5 | the I Heart Radio App, Apple Podcast, or wherever you get your podcasts. |
| 0:59.5 | Hello, this is Brett Goldstein. I'm a comedian and actor, writer, director, |
| 1:15.6 | swimmer, and I love films. Come join me on my podcast, Films To Be Bered With, where I invite |
| 1:20.2 | a special guest over, I tell them they died, then I get them to discuss their life through the |
| 1:24.3 | films that meant the most to them. What films scared them the most? What made them cry the most? |
| 1:28.4 | Etc. At the end, they pick a film to go in their pocket and take to heaven, |
| 1:32.2 | like death and movies. Listen to Films To Be Bered With with Brett Goldstein on Will Farrell's |
| 1:36.8 | Big Money Players Network on the I Heart Radio App, Apple Podcast, or wherever you get your podcasts. |
| 1:42.0 | Welcome to Had a Money. I'm Joel, and I am Matt, and today we're answering your listener questions. |
| 1:58.2 | Let's try Joel. It's Lister Question Monday. We've got five awesome questions from our listeners, |
| 2:11.4 | and we're going to answer all five of them. We'll see if I have the stamina, Matt. Maybe we'll |
| 2:16.3 | only get to three of them. Well, a few that we are going to get to are about getting a credit card, |
| 2:21.3 | or at least trying to get a credit card while you have frozen credit. We're going to discuss |
| 2:25.2 | paying off-student loans or investing that money instead, as well as making a large purchase, |
| 2:30.6 | like buying a car. When you don't have a local brick and mortar bank, how do you go about doing |
| 2:35.4 | that? We're going to get to those plus two others on this episode. I'm looking forward to it. |
... |
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