Ask HTM - Expensive Family Vacations, Making Extra Mortgage Payments, & Forfeiting Credit Card Rewards #640
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 6 March 2023
⏱️ 54 minutes
🧾️ Download transcript
Summary
We’re kicking off the week by answering 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 - My family vacations are getting too expensive and I’m not sure I can attend- what should I do?
2 - As an 11 year old, how should I save or spend $2,000 that I have in my bank account?
3 - What is the most optimal way to make extra payments and pay off my mortgage early?
4 - Am I paying off my credit card too soon in order to receive the points and rewards?
5 - How much money do I need to have invested in order to retire?
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.
- Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.
During this episode we enjoyed a Double Coud IPA by New Park Brewing- thanks for donating this one to the pod Matthieu! 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 | I'm Amber Reffett and I'm her gorgeous sister, Lacey Lamar. |
| 0:03.2 | If in fact Lacey is not that gorgeous. |
| 0:05.2 | Amber, get on with it. |
| 0:06.2 | Okay everybody, we have exciting news to share. |
| 0:08.4 | We're teaming up with Will Ferrell's Big Money Players Network to bring you our |
| 0:11.8 | brand new podcast called The Amber and Lacey Lacey and Amber Show. |
| 0:15.0 | We did it. |
| 0:16.0 | We sold a bunch of books, we conquered late night and now we'll play fun quizzes and games |
| 0:19.8 | with friends and take you along for the ride. |
| 0:22.4 | Listen to the Amber and Lacey, Lacey and Amber Show on Will Ferrell's Big Money |
| 0:26.1 | Players Network on the iHard Radio App Apple Podcast or wherever you get your podcasts. |
| 0:31.3 | Welcome to Had a Money, I'm Joel. |
| 0:33.3 | I'm Matt and today we are answering your listener questions. |
| 0:37.3 | You know what buddy, we've got listener questions to tackle today. |
| 0:57.8 | We've got five voice memos to get to that have been sent our way. |
| 1:02.4 | We've got a listener and she's starting to have the problem of being able to afford |
| 1:05.9 | some expensive family vacations. |
| 1:08.2 | She wants to know how to handle that. |
| 1:10.0 | Another listener is wondering by paying off his credit cards too soon does that mean |
| 1:14.7 | that he's missing out on some of the different rewards that he is entitled to. |
| 1:19.7 | Then another listener is wanting to know the optimal way to pay more down on his mortgage |
| 1:25.2 | every single month in order to get rid of that loan a little bit sooner. |
... |
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