Ask HTM - Mag-7-Nondiversification-Risk, Cutting Up 13 Credit Cards, & Best Tax Refund Opportunities #1117

How to Money

iHeartPodcasts

Education, Investing, Business

4.6 • 3.2K Ratings

🗓️ 23 March 2026

⏱️ 53 minutes

🔗️ Recording | iTunes | RSS

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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 - International investing: Should I look outside of the US if I’m concerned about “Mag-7-nondiversification” in the S&P?

2 - Grunt work: Is it frugal or cheap to work for beer at my local craft brewery? PLUS a healthcare question…

3 - 13 credit cards: As we eliminate our credit card debt should I close my cards or keep them around?

4 - Cell service: Where to go for the most affordable home internet and cell service?

5 - Tax refund: What’s the best use of a $2,000 refund that I’m expecting to receive?

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 Fire, Skulls, and Money by Toppling Goliath – thanks Clint for sending this one along to us! 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.
0:28.7	Guaranteed Human. Monday to everyone out there.
0:30.9	I hope you are buckled up for fresh ask how to money,
0:33.9	where we're going to hear directly from listeners.
0:36.2	One listener, Joel, is I tell you, by the way, I got a ticket.
0:39.6	I thought you're going to see something.
0:40.4	A ticket.
0:40.7	For not wearing my seatbelt the other day.
0:42.1	Did you really?
0:42.8	Yeah.
0:43.1	Oh, you didn't share that. Yeah. Oh, you didn't send me that. It's only $15, fortunately. But there was like a multiple dollar fee. And I feel really, I felt really bad.
0:49.3	My kids were in the car.
0:50.5	Oh, snap.
0:52.1	Sorry, continue.
0:52.6	So speaking of buckled up, you were not buckled up.
0:54.8	I was not buckled up.
0:55.4	Well, 15 bucks.
0:56.2	That feels like, uh, is it 2002? Slap on the wrist. That feels like what they were charging back when I was in school. Like in Athens, there was a cop that would post up at this one four-way stop. And even still, I don't know, dumb college students, they would just, they would see them and just kind of still roll through the intersection. And you would get them like person after person for not coming to a full and complete stop. You would think it would cost more.
1:19.0	For the, yeah, because like speeding tickets have gone way up in price.
1:21.7	And we've talked about how like if you, if you drive past the stop sign that's on the school bus. that's like a thousand dollars where we live yeah so for like 250 or 5 i can't remember oh i thought it was a thousand no it's not much maybe it's a lot it's a lot because kate's done it multiple times oh gosh i've thrown her under the bus, pun intended.
1:49.2	We've talked about this on the show, but in her defense, it was on the other side of the road, and the bus, it had like pulled off into this turnoff into an apartment complex,
1:53.4	and she didn't realize that, oh, okay.
	...

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