Ask HTM – Double Dipping Expense Ratios, Wealth Building with High Deductibles, and when 50 Year Mortgages Make Sense #1075
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 15 December 2025
⏱️ 50 minutes
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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 - Target date fund: is my brokerage double dipping expense ratios if my target date fund has other funds as well?
2 - High deductible healthcare plan: help me to determine whether or not my HDHP makes sense!
3 - Promissory note: did I make a massive mistake in selling my house with a promissory note?
4 - Pro bono: what certifications should I get if I’d like to help others with their finances for free?
5 - 50 year mortgage: “change my mind” that a 50 year mortgage isn’t a great option for folks to build wealth with homeownership!
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.
- Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
During this episode we enjoyed a Contrast, which is a collaboration between Burial and Allagash! 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. |
| 0:02.6 | Guaranteed Human. |
| 0:04.0 | Welcome to How to Money. |
| 0:05.7 | I'm Joel. |
| 0:06.2 | And I am Matt. |
| 0:07.5 | Today, we're answering your listener questions. |
| 0:10.5 | Okay. |
| 0:10.8 | Okay. Hey, man, we're talking about personal finances today. |
| 0:31.0 | Like we do every how to money else. |
| 0:33.5 | That's our job. |
| 0:34.2 | Hey, let's switch it up. |
| 0:35.1 | What do you go over? |
| 0:35.8 | What do you want to do today, Pinky? |
| 0:36.9 | Take over the world. Well, we'll talk personal finance. I was going to ask you, did you go for a run this |
| 0:40.4 | morning? Every morning or most mornings. How far? How far this morning? Yeah, a little over eight miles. Oh my gosh. Yeah. Like the distances you threw out there now, I'm like, for me to scrape out a three or four mile run is quite the accomplishment. |
| 0:53.4 | Did you read, there's an article in the Times a couple weeks ago about cross country |
| 0:57.1 | and like this race that this guy runs up outside of New York City all the time. |
| 1:02.0 | I'll send it to you. |
| 1:02.8 | It just, they talk about like the grit and the foul weather that you have to endure |
| 1:06.9 | and how you just get tough. |
| 1:08.2 | And it made me want to make sure that my kids are running as |
| 1:12.9 | they are getting older just to push them into cross country specifically too right like there's |
... |
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