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How to Money

Ask HTM - Avoiding the Credit Card Burn, Timing a HELOC, & Solar to Retire Sooner #1045

How to Money

iHeartPodcasts

Education, Investing, Business

4.63.2K Ratings

🗓️ 6 October 2025

⏱️ 57 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 - Credit card autopay: how do I avoid getting hit with an interest charge?

2 - Timing a HELOC: should I apply and open a line of credit before my income drops significantly?

3 - Solar panels: should I take the plunge with solar in order to mitigate monthly expenses in retirement?

4 - Family money talk: how do I convince my parents that taking out a loan for some HVAC work is foolish?

5 - Cellular for wearables: what’s the best option if we’re adding a line for our kid’s watch?

 

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

  • Negotiating severance during an impending layoff by Financial Samurai.
  • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
  • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
  • 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.

 

During this episode we enjoyed a It’s Complicated Being A Wizard by Burlington Beer Co! 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.

Transcript

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0:00.0

This is an IHeart podcast.

0:04.0

When news broke earlier this year that baby KJ, a newborn in Philadelphia,

0:08.1

had successfully received the world's first personalized gene editing treatment,

0:11.9

it represented a milestone for both researchers and patients.

0:15.3

But there's a gripping tale of discovery behind this accomplishment and its creators.

0:19.4

I'm Evan Ratliff, and together with biographer Walter

0:21.4

Isaacson, we're delving into the story of Nobel Prize winner Jennifer Dowdna, the woman who's helped

0:25.8

change the trajectory of humanity. Listen to Aunt CRISPR, the story of Jennifer Dowdna with Walter

0:30.9

Isaacson on the IHeart Radio app, Apple Podcasts, or wherever you get your podcasts.

0:36.6

From NBA champion, Stefan Curry, comes shot ready,

0:40.3

a powerful never-before-seen look at the mindset that changed the game.

0:44.1

I fell in love with the grind.

0:46.1

You have to find joy in the work you do when no one else is around.

0:51.0

Success is not an accident.

0:52.8

I'm passing the ball to you.

0:54.8

Let's go.

0:55.7

Steph Curry redefined basketball.

0:57.6

Now he's rewriting what it means to succeed.

0:59.9

Order your copy of the New York Times bestseller shot ready.

1:02.9

Today at stephencurrie book.com.

1:05.5

Welcome to How to Money.

1:06.9

I'm Joel.

...

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