Ask HTM – Assets to Boost My Credit Score, Lifestyle Geographic Arbitrage, and Car Loans to get Wealthier #1093
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 26 January 2026
⏱️ 56 minutes
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Summary
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 - Credit score: what assets should I focus on in order to boost my credit score?
2 - Geo arbitrage: how should I approach moving to Italy when all of my tax advantaged investing accounts will now be taxed?
3 - Down payment: should I invest my cash that I’d like to put down for my first house?
4 - Car loans: why do you guys recommend paying cash for a car when you can earn more by investing in the stock market?
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
- Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
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- Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
- Money Gears: knowing what to do with your money is crucial to your personal finance journey.
- MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.
During this episode we enjoyed a NA Safe Sexride 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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Transcript
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| 0:00.0 | This is an I-Heart podcast. |
| 0:02.6 | Guaranteed Human. |
| 0:04.0 | Welcome to How to Money. |
| 0:05.7 | I'm Joel. |
| 0:06.3 | I'm Matt. |
| 0:07.1 | Today, we're answering your listener questions. It's Monday, which means we are hearing directly from you listeners. |
| 0:30.8 | Joel, we're going to hear from a listener who's looking to boost his credit score in order to save more money. |
| 0:36.1 | It's always a nice reason to focus on your credit score. |
| 0:38.8 | Another listener is moving abroad, not for geographic arbitrage, but it's more like |
| 0:45.2 | a geographic speculative move, right? |
| 0:48.2 | Because I feel like speculation is the opposite of arbitrage. |
| 0:50.2 | Yeah. |
| 0:50.7 | Arbitrash is knowing that you're going to come out ahead. |
| 0:55.4 | This listener is like, I'm going to come out ahead. This listener is like, |
| 1:01.2 | I'm going to roll the dice. I think it might be better. Another listener is looking to invest his car payment. He thinks it's going to lead to him saving more money over the long haul. |
| 1:06.4 | We'll get to that one. And a couple others today on the Ask How to Money, listener questions episode. No doubt. Okay, Matt, something that I think annoys my kids that I do is in the mornings when they're about to head off to school, I'm like, hey, run back upstairs. Turn your lights off. I don't want your lights on all day. And to be honest, it probably happens. Right, Dad. |
| 1:28.3 | Almost never. |
| 1:29.8 | And then I... Wait, it happens never. You actually saying that or them actually going back upstairs? No, I say it a lot. I guess when I say it, they go back up. But maybe I just, I think I just forget to say it. And so ultimately what happens, I come back home. Usually I'm going for a run. so before I go for my run, I jump upstairs |
| 1:43.8 | and I turn off all the lights myself. |
| 1:45.3 | I do the exact same. |
| 1:46.6 | You know what I do? |
| 1:47.4 | I call it shutting. usually I'm going for a run. So before I go for my run, I jump upstairs and I turn off all the lights myself. |
... |
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