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How to Money

Ask HTM - Early Retirement Target Date Funds, Frugal Personal Hygiene, & Coercive House Painting #991

How to Money

iHeartPodcasts

Business, Investing, Education

4.53.1K Ratings

🗓️ 2 June 2025

⏱️ 60 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 - What target date fund should I go with if I’d like to retire early?

2 - Frugal or cheap: pouncing on an incorrectly priced item at the store?

3 - Do I prioritize my HSA if I don’t receive a state tax deduction?

4 - My homeowners insurance says I need to cut back trees and paint the house… should I push back?!

 

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 Black Quad by Real Ale 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 IHeart podcast.

0:04.2

Run a business and not thinking about podcasting.

0:06.9

Think again.

0:07.5

More Americans listen to podcasts than adds supported streaming music from Spotify and Pandora.

0:11.7

And as the number one podcaster, IHearts twice as large as the next two combined.

0:15.7

Learn how podcasting can help your business.

0:17.6

Call 844-844-I-Hart.

0:19.6

Are there any pictures of you online?

0:21.5

Then you could already be in a massive police database without even knowing it.

0:25.5

Clearview scrapes together images from Facebook, from LinkedIn, from Venmo accounts.

0:31.1

I'm Dexter Thomas, host a Kill Switch, a podcast about how living in the future is affecting us right now.

0:36.9

Police, they are trusting

0:38.3

this software with this magical ability to lead them to the right suspect. In this episode, we

0:43.6

dive into how cops are using AI and facial recognition and sometimes getting it wrong and putting

0:48.7

innocent people behind bars. So if your accuser is this algorithm, but you're not even being told that it was used,

0:56.4

let alone given any of the details about how it works. Listen to KillSwitch on the IHeart Radio app,

1:01.9

Apple Podcasts, or wherever you get your podcasts. We love learning about this extraordinary universe.

1:08.6

And we love sharing what we've learned. And on our podcast, Daniel and

1:11.9

Kelly's extraordinary universe, that's what we're going to do. I'm Daniel. I'm a particle physicist,

1:16.4

and I think our universe is absolutely extraordinary. I'm Kelly Weiner-Smith. I study parasites,

1:21.3

and there's just endless things about this universe that I find fascinating. Basically, we're both

1:26.1

nerds. Each Tuesday and Thursday, we take an hour-long dive into some science topic.

...

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