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How to Money

Ask HTM - Best Grocery Cashback Credit Cards, Risking it with Ultra Cheap Car Rentals, & Giving Up on Home Ownership #1039

How to Money

iHeartPodcasts

Education, Investing, Business

4.63.2K Ratings

🗓️ 22 September 2025

⏱️ 58 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 - Selling a home and renting instead: what do we do with cash from the closing table?

2 - Best credit card for groceries: but what about ethical fatigue from asking for annual fee waiver?

3 - High income Roth investors: how do we go about (legally) shoehorning some dollars in there?

4 - Car rental deals: is is worth it to go with the ultra cheap car rental that’s a fraction of the regular cost?

5 - Debt payoff: what’s the best method for knocking out 4 credit card balances?

 

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

  • Use Undebt.it to help you figure out a get-outta-debt plan
  • If you make too much to directly contribute to a Roth, the "backdoor Roth" might be just the thing to get you invested.
  • 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 Fat Pug by Maplewood Brewing! 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 I-Heart podcast.

0:04.0

What I told people, I was making a podcast about Benghazi.

0:08.5

Nine times out of ten, they called me a masochist, rolled their eyes, or just asked, why?

0:15.1

Benghazi, the truth became a web of lies.

0:18.5

From prologue projects and Pushkin Industries, this is Fiasco, Benghazi.

0:23.9

What difference at this point does it make?

0:27.4

Listen to Fiasco, Benghazi, on the IHeart Radio app, Apple Podcasts, or wherever you get your podcasts.

0:34.2

Welcome to How to Money. I'm Joel.

0:36.4

I'm Matt.

0:37.2

Today, we're answering your listener questions.

1:04.4

I'm... I hope everyone out there had a relaxing, recharged Sunday, and that you are ready to get back at it, man.

1:08.8

It's Monday. Back to the grind. Back to the personal finance education in your ears.

1:11.0

As they say, we do have listener questions.

1:13.3

We're going to talk about the best cashback card for groceries.

1:18.5

We're going to discuss El Chippo rental card companies, whether or not they're worth it, Joel.

1:22.4

Actually, I'll share a little bit of personal experience there as well.

1:29.7

Another listener is asking about what he should be doing with a lump sum that he is going to have in his hands.

1:34.5

And we're talking six figures. So, yeah, a lot on the line here. But actually, maybe it doesn't differ all that much from if it was just 600 bucks. So, okay. Looking forward to getting to all

1:40.4

of those. Plus more today. But buddy, I've got a a quick frugal or cheap question for you it's been

1:45.8

a minute since we've done one of these uh would you get a tattoo if it was like 80 or 90% off

1:52.1

okay here's i have a question is it an inferior tattoo artist no it would be if it would be a

1:57.6

tattoo that's perfectly maybe it wouldn't be like, I don't know, how are

...

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