Ask HTM - High Net Worth but still Paycheck to Paycheck, Better Investing for Freelancers, & the Necessity of Amazon Prime #1105
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 23 February 2026
⏱️ 58 minutes
🧾️ Download transcript
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 - Student loans: what can I do to avoid being in student loans for the rest of my life?!
2 - Lower income, higher net worth: should I be nervous that our monthly spending is more than what we’re bringing in?
3 - Self employed: if I would like to save more should I invest more dollars into my brokerage account or is there a better option?
4 - Amazon: can I still use my Fire TV if I cancel my Amazon Prime membership?
5 - Small business: what are the best business savings accounts available today?
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 Porter by Incendiary Brewing - a huge thanks to Brandon for donating this one to the show! 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. |
| 0:04.3 | Welcome to How to Money. |
| 0:05.6 | I'm Joel. |
| 0:06.5 | I'm Matt. |
| 0:07.3 | Today, we're answering your listener questions. |
| 0:30.9 | Thank you. You know what, buddy, we're going to hear from listeners directly today. |
| 0:33.3 | Their voices straight to your eardrums. |
| 0:33.9 | The pipeline. |
| 0:36.6 | From the people to the little cochlea. |
| 0:37.6 | Is that the little snail? |
| 0:54.7 | The snail shape bone that's in your ear, your inner ear that vibrates? The inner ear is. It's been a minute since I've thought about the inner ear. I've been thinking about it more actually lately. Not as much as I think about like ancient Roman civilization, of course, Matt. But it's, I don't want to talk about why. So we'll move on. Oh. Oh, the ear thing? |
| 0:56.4 | Oh, we don't say anything. |
| 0:57.5 | Do we talk about this in the show? |
| 0:54.7 | No, we don't want to talk about why. So we'll move on. Oh. Oh, the ear thing? |
| 1:08.6 | Oh, we don't, don't say anything. Do we talk about this in the show? No, we don't. I think this is too much. They don't want to know that. They don't want to get that personal with you and your earbuds where you shove them into your ear. It's enough. I'll stop right there. enough. |
| 1:09.8 | I'll stop right there. |
| 1:12.2 | Do you have anything you want to share with us other than your medical misadventure? |
| 1:13.1 | No. |
| 1:13.9 | I'm good. Hey, I'll share. I got something to share. I want to share my new hobby that we, I don't think we've talked about this on the show, which is DIY home improvement, Joel. And this is something that you and I have talked about. You've actually engaged in some of this DIY improvement with me. |
| 1:45.8 | But last summer... I helped you put a doorknob on. That counts. Didn't you help me take the door off of the old bathroom as well? You'd already taken it off the engines. I was just how when you were blessing on. You all came over for Christmas. I was like, hey, you know, do a little tiny little project while we're waiting on dinner to cook. It didn't make me feel like, oh, we accomplished something before we... |
| 1:47.9 | I know. you were blessing on. Yeah, y'all came over for Christmas. I was like, hey, you know, do a little tiny little project while we're waiting on dinner to cook. |
... |
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