Ask HTM - Debating a Raise vs WFH Flexibility, Investing in Nvidia, & Digital Hygiene Frugal or Cheap #1111
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 9 March 2026
⏱️ 58 minutes
🧾️ Download transcript
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 - Raise vs lifestyle: Should I take a 50% pay increase or maintain the flexibility of working from home?
2 - Nvidia: How do I go about rebalancing my portfolio when I have $800,000 of Nvidia in my brokerage account?
3 - Feedback: Maybe Joel is being cheap not frugal and should you really let a medical bill go to collections?
4 - Insurance: What’s the best way to get an agent to shop multiple different providers to get me the best deal?
5 - Books: My son is 25 years old - what book should I get him to help kick off his personal finance journey?
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During this episode we enjoyed a Delirium Tremens by Huyghe Brewery! 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. |
| 0:04.3 | Welcome to How to Money. |
| 0:05.7 | I'm Joel. |
| 0:06.4 | And I am Matt. |
| 0:08.0 | And today we're answering your listener questions. |
| 0:32.0 | Today we're answering your listener questions. Thank you. That's right, buddy, like we do here on Monday, is that how to Monday? |
| 0:38.2 | We like to hear directly from listeners who have sent us a voice memo for us to talk about here on the podcast. |
| 0:45.1 | For instance, the listener is debating taking a race versus the current flexibility that he has. |
| 0:46.4 | So we get to that. |
| 0:49.3 | Another listener has got a whole lot of Navidia stock. |
| 0:53.1 | He's got Navidia out the nose and he wants to know what he should be doing with it. He's got so much. |
| 0:53.6 | He's even started dressing like Jensen Wong. He's wearing the black leather chain wherever he goes. That's when you know you have a problem. Yeah, if that's your Halloween costume, I think you're too into single stock. Of all the people that I know who could pull that off. You could totally pull that outfit off. I probably could. |
| 1:11.0 | You've even got his hair. |
| 1:12.5 | Do I? |
| 1:13.3 | Yeah. |
| 1:13.6 | I mean, I think if you come to over to the side more, you could totally look like him. I know he wears the black gloves jacket. I don't actually know what he looks like. Okay. Joel, all Asian people don't look the same, okay, dude. That's not what I'm saying. Don't give me in trouble. |
| 1:26.0 | Another listener, he pushed back a little bit on our take when it comes to medical bills, how to approach that. So we'll get to, we'll hear from Graham, plus a couple others during this episode, buddy. No doubt. All right. Can I lament on something really quickly? Please do. And this is, there's advice in it for myself and for everyone else out there. |
| 1:46.3 | This is me eating my own cooking. |
| 1:47.6 | Get sorrowful here. |
| 1:48.0 | Okay. |
| 1:49.7 | So what do you said about? |
... |
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