Ask HTM - Is Direct Indexing Worth It, Sticky Cosigning Situations, & Kiddos With Credit Or Debit #949
How to Money
iHeartPodcasts
4.5 • 3.1K Ratings
🗓️ 24 February 2025
⏱️ 57 minutes
🧾️ Download transcript
Summary
Let’s dive into 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 do I do about money being taken out of my savings because of a student loan I co-signed?
2 - Should I invest in a 401k with unfavorable terms or my brokerage account instead?
3 - Is it worth paying extra for direct indexing, given the additional benefits like tax loss harvesting?
4 - Do I link a credit card or a savings with a debit card, to my 11 year old’s Apple Watch?
5 - If I had to choose one: IRA or HSA?
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 Tiny Esses by Prairie Artisan Ales! 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 Kristen Davis, host of the podcast, Are You a Charlotte? The incredible Cynthia Nixon joins me |
| 0:06.6 | this week for a conversation filled with memories and stories I didn't even know. Cynthia could have |
| 0:12.7 | been Carrie. When I first read the script, they asked me to read for Carrie, as I think they asked |
| 0:18.0 | you to read for Carrie. Did you? I did. And they were like, yeah, not so much. |
| 0:22.4 | You can't miss this. |
| 0:24.2 | Listen to Are You a Charlotte on the IHeart Radio app, Apple Podcasts, or wherever you get your podcasts. |
| 0:30.1 | Hey, Brooklyn Nine-Niners, it's a reunion. |
| 0:32.7 | The ladies of the Nine-N-N-N-N- are getting back together for a special episode of the podcast, More Better. |
| 0:42.3 | Host Stephanie Beatrice and Melissa Fumero, welcome friend and former castmate, Chelsea Peretti. |
| 0:46.0 | Remember when we were in that scene where you guys were just supposed to hug and I was standing there? |
| 0:47.2 | Oh, yeah. |
| 0:47.7 | I was like, can I also hug them? |
| 0:51.6 | Listen to More Better with Stephanie and Melissa on America's number one podcast network. |
| 0:56.0 | IHeart. |
| 0:56.4 | Follow more better and start listening |
| 0:58.1 | on the free IHeart Radio app today. |
| 1:00.7 | In a world of economic uncertainty |
| 1:02.9 | and workplace transformation, |
| 1:04.9 | learn to lead by example |
| 1:06.2 | from visionary C-suite executives |
| 1:08.1 | like Shannon Schuyler of P.WC |
| 1:10.5 | and Will Pearson of IHeartMedia. |
... |
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