Ask HTM - Jumping Back Into the Workforce, HELOC Cash Grab, and Free Life Insurance Gotchas #1021
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 11 August 2025
⏱️ 56 minutes
🧾️ Download transcript
Summary
Let’s kick off 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 - How do I calculate whether it’s worth it to jump back into the work force?
2 - Should I take out a HELOC on my home in order to pay off other debts?
3 - Doesn’t it make sense to take Social Security early, even if the payout is smaller?
4 - Is the free life insurance offered to me through my local credit union legit?
5 - Can I utilize a “goodwill letter” in order to ask my student loan service to remove a late payment?
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.
- Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
During this episode we enjoyed a Summer Lihing Mango by Lanikai Brewing! 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 IHeart podcast. |
| 0:04.1 | And here's Heather with the weather. |
| 0:06.2 | Well, it's beautiful out there, sunny and 75, almost a little chilly in the shade. |
| 0:11.6 | Now, let's get a read on the inside of your car. |
| 0:15.0 | It is hot. |
| 0:16.3 | You've only been parked a short time, and it's already 99 degrees in there. |
| 0:39.2 | Let's not leave children in the back seat while running errands. It only takes a few minutes for their body temperatures to rise. And that could be fatal. Cars get hot, fast, and can be deadly. Never leave a child in a car. A message from Nitsai and the ad council. Welcome to How to Money. I'm Joel. I'm Matt. Today, we're going to take some good to get to some listener questions. |
| 1:01.6 | It's been too long. |
| 1:02.2 | I wonder if I've missed this one the most. |
| 1:03.7 | The ability to directly respond to listeners. |
| 1:06.8 | I feel like it's been something that's been missing in our lives. |
| 1:09.2 | Hearing their voices. |
| 1:10.1 | I know. |
| 1:10.6 | I hear them in my sleep usually, but that's different. The unique questions that they have for us, for instance, a listener, she's determining whether or not she should be going back to work. She's got a few factors that she's weighing in her mind. Another listener, he is wondering if he should take out a he lock. he essentially wants to know if it's like the golden ticket and if it's going to solve all of his problems. |
| 1:29.1 | And, uh, another listener. He is wondering if he should take out a helock. He essentially wants to know if it's like the golden ticket and if it's going to solve all of his problems. |
| 1:30.6 | And there are also multiple factors when it comes to getting back to him as well. |
| 1:34.9 | Hopefully provide some good feedback. |
| 1:36.5 | Another listener is asking about some free life insurance that was sent their way, |
| 1:41.3 | wanting to know whether or not it was legit. |
| 1:43.2 | So we will get to those three |
| 1:45.7 | plus more during our episode today is it a scam or not and by the way this also means what's the |
| 1:50.9 | catch people have like kind of mostly stopped sending in listener questions Matt because they were |
... |
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