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Guaranteed Human.

Welcome to How to Money.

I'm Joel.

I am Matt.

Today, we're answering your listener questions.

Today, we're answering your listener questions. you know what buddy are you ready to help people that's what we try to do here i was literally just responding to a listener email and she would just like thank me for my demeanor and stuff.

Oh really? I thought you're talking about the other one that you had to get back to this morning.

My email demeanor is awesome, Matt, in case you didn't know. No, but I was just like, you know what? What about the complaint that was getting on? We got a complaint today too, actually. We get those from time to time. You beat me to it because I welcome both.

I took the one right before where the guy said that he wanted to hook us up with some beers from his brewery. You always respond to those quicker. Hey, I sit down when I sit down and I tackle them all. I don't care what's in front of me. It's sort of like a workout. I don't look ahead to the workout. I just show up and I do the work. Speaking of people sending us stuff, as we're recording this,

there's like a box of multiple, multiple different types of popcorn from listener Bill.

Shout out to Bill. And Bill has been with us for not only listening to us for forever.

For a long time, but also sending us his favorite popcorn. And he, Northern Neck.

Also emails us regularly. One of our most regular listener emails that we get is from Bill. So Bill, thank you for sending us popcorn. Yes, thank you, Bill. And we just, man, I just appreciate our listeners. Even when we get the emails that are like, you guys suck, you're not doing it right? Honestly, I appreciate the feedback because we can always stand to do better, too. Yeah, we are trying to help people. For the most part, I think that's what we do. But sometimes the way we say it maybe misses the mark. Yeah. So we'll try to be clearer in our communications and how we phrase things. And truly, that is at the heart of this show, is to try to help people be better with their money. If we're not doing that, then we're not doing our job. That's true. But Joe, we're going to hear from a listener who is looking to reduce the cost

of taking care of family, specifically his parents. Another listener is dreaming of partial retirement.

And he's got a really a tax question when it comes to sucking away money for retirement.

And another listener has been paying a little extra on the mortgage. He wants to know if that's a good idea, if he should stop doing that. We'll get to those questions plus a couple others, most likely, during this episode. So the email I was responding to where I told you, she thanked me for my demeanor. That's kind. It is kind. People kind people don't do that much anymore Matt I appreciate your demeanor here on this podcast what's my

demeanor it's awake a little stoic professional happy to be here to enjoy a beer but one of

the things she mentioned and she was asking me about was I show it for the beer yeah

the craft beer well she was like hey I'm with one of the big cell phone companies, but one of the cool things that they're offering me right now is access

to a bank that has a superior savings rate. 4.2%. And I was like, man, this environment, that is really,

really good. All right. And then she told me what she pays every single month.

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