Ask HTM - Deciding How Much ‘Fun $’, Prepping for Long Term Care, & Doubling Down on Employer Retirement Accounts #967

How to Money

iHeartPodcasts

Business, Investing, Education

4.5 • 3.1K Ratings

🗓️ 7 April 2025

⏱️ 60 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Let’s dive into 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 - As newlyweds, how do we decide how much money we each get to spend as fun money?

2 - Should I further invest with my employer provided retirement accounts or should I open my own?

3 - What assets are vulnerable to the high costs of a long term care facility?

4 - Does it make sense to commingle my emergency fund with money I use to fund my hobby?

5 - Why is there a difference between different brokerage funds that all track that same index?

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

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.
Find the best credit card for you with our new credit card tool!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Bossy Blonde by Contrast Artisan Ales! 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	In a world of economic uncertainty and workplace transformation, learn to lead by example from visionary C-suite executives like Shannon Schuyler of PWC and Will Pearson of IHeartMedia.
0:12.9	The good teacher explains, the great teacher inspires.
0:17.1	Don't always leave your team to do the work. That's been the most important part of how to lead by example.
0:24.7	Listen to leading by example.
0:26.9	Executives making an impact on the IHeartRadio app, Apple Podcasts, or wherever you get your podcasts.
0:33.7	From the producers who brought you Princess of South Beach comes a new podcast.
0:38.9	The setup.
0:40.1	The setup follows a lonely museum curator, but when the perfect man walks into his life...
0:46.0	Well, I guess I'm saying I like you.
0:47.7	You like me?
0:49.0	He actually is too good to be true.
0:51.4	This is a con.
0:52.3	I'm conning you to get the Delama painting.
0:54.5	You can do this together.
0:57.7	Listen to The Setup on the IHeart Radio app, Apple Podcasts, or wherever you get your podcasts.
1:04.1	Hey, sis, is Dr. Joy from Therapy for Black Girls.
1:07.1	We've had 400 episodes of conversations, growth, and healing.
1:10.9	So we're celebrating.
1:12.3	Join us for a special episode with internationally recognized yogi, Chelsea Jackson
1:16.7	Roberts, as she shares wisdom on mindfulness, movement, and motherhood.
1:20.8	I waited later to have children and I still have exactly what I knew that I wanted.
1:26.4	You don't want to miss this special episode.
	...

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