Ask HTM - Housing Rule of Thumb, Axing a Boat Payments, & Making Bank on the World Cup #1108
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 2 March 2026
⏱️ 56 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 - Housing costs: What’s a good rule of thumb to stick with to help me keep my mortgage payment in check?
2 - 401k rollover: Can you share the penalties and benefits of a retirement account rollover?
3 - Boat payment: How much should I pull out of my savings to finally get rid of my boat loan?
4 - World Cup: How do I ensure that I make the most money and avoid any pitfalls when renting my place for the World Cup this summer?
5 - Down payment: My down payment is in stocks but I might be buying a house next month… what do I do?!
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
- 401k rollovers: Capitalize is the site we discussed where you can easily roll over an old 401k for free- don’t let your retirement dollars languish with an inferior provider!
- 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 Harpeth by Living Waters! 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. |
| 0:28.9 | Guaranteed Human. Welcome to How to Money. I'm Joel. I'm Matt. Today, we're answering your listener questions. Okay. Thank you. That's right, buddy. |
| 0:34.8 | Happy Monday to everybody, and we are going to take a question regarding some housing rules of thumb. |
| 0:38.2 | It's specifically what this listener is asking for. Joel, we'll get to that. |
| 0:43.1 | Another listener is trying to find a way out of boat payments. That's not something that we talk a lot about here on the show. Boat payments. I don't even like car payments. So I think a lot of folks |
| 0:48.2 | know where we might end up landing on that one. Pardon me must to suggest insurance fraud, |
| 0:52.9 | like just big rock in the boat, |
| 0:55.4 | sinking into the middle of the lake. |
| 0:57.0 | Yeah, interest fraud. |
| 0:57.8 | And then file the claim, |
| 0:58.7 | but we won't suggest that. |
| 1:01.4 | Try to avoid illegal recommendations. |
| 1:03.1 | You're full of such terrible. |
| 1:05.5 | Another listener is looking to make bank on the World Cup as well. |
| 1:09.5 | So we're going to talk about maybe the best ways to do that. |
| 1:13.1 | But let's get personal here for a second, Joel. I think it was last week we talked about |
| 1:18.1 | the coffee bar that I've been working on there in the house. And the listener reached out. |
| 1:22.6 | It was just like, oh, like someone who knows I'm into coffee and we're diving a little more into |
| 1:26.8 | the specifics. And what we didn't talk about was the fact that I want to get an espresso machine and most |
| 1:34.7 | expensive thing is not the renovation it's the machine you want to put in the finished product |
| 1:38.2 | because I'm looking at spending thousands of dollars specifically on this espresso machine |
| 1:43.0 | which sounds ridiculous and it, but I've been |
... |
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