Ask HTM - Free Fidelity Funds, Credit Card Maxxing, & Debating a PTO Cash-Out #1126
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 13 April 2026
⏱️ 57 minutes
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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 - Free Fidelity Funds: Are they the “cheap” option or a great way to get wealthy?!
2 - 3% Cashback: Will paying for a Robinhood Gold membership allow me to get my hands on the Gold credit card?
3 - Rising Insurance Premiums: What’s the deal with opting for higher deductibles for lower premiums?
4 - Social (in)Security: Why don’t lawmakers raise the income cap in order to help keep the trust fund solvent?
5 - PTO Cash-Out: Should I cash-out my paid time off to pay off our house sooner, or actually kick back a little more?
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
- Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
- Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
- Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
- Money Gears: knowing what to do with your money is crucial to your personal finance journey.
- MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.
During this episode we enjoyed a Soft Static by Inner Voice! 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. |
| 0:05.6 | I'm Joel. |
| 0:06.2 | I am Matt. |
| 0:07.7 | Today, we're answering your listener questions. |
| 0:10.3 | Okay. |
| 0:10.8 | Okay. That's right. It's Monday. I hope nobody have the Sunday Scaries. |
| 0:32.8 | Joel, I'm so thankful that I don't ever have the Sunday Scaries because you and I, we get to work together. |
| 0:36.2 | We come in here to our little clubhouse, answer lists for questions. |
| 0:38.7 | My kids still have them, though, sometimes. |
| 0:40.1 | Oh, my gosh, same here. |
| 0:41.8 | Yeah, that's something that we talk about. |
| 0:43.0 | Sunday, like, tucking them in and they're like, oh, I don't want to go to school. I've got quizzes, tests. these days it's been math lately |
| 0:49.7 | where a couple of the kids are just like |
| 0:51.6 | oh I'm not good at math |
| 0:52.8 | it was always math for me girls |
| 0:54.2 | was there really? |
| 0:54.8 | Yeah for sure |
| 0:55.3 | Hey that's why you've got me brother |
| 0:57.4 | That's right where a couple of the kids are just like, oh, I'm not good at math. It was always math for me, girls. |
| 0:54.2 | Was there really? |
... |
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