Ask HTM - Marriage Goals Over Investing, SS Survivor Benefits at Age 30, & Best Cars for New Mamas #1120
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 30 March 2026
⏱️ 59 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 - Marriage goals: Now that we have more cash coming in, should we invest more or have a wedding?
2 - Skipping life insurance: Why shouldn’t I just forego term life if I can claim social security survivor benefits?
3 - DCFSA: Is it legal for my partner to claim our new daughter in order to contribute more to a dependent care flexible spending account?
4 - New cars: First-time mama asking what the best rides are with a baby in tow?
5 - $100,000: What should we do with an inheritance if we have a serious medical condition but also have investing goals?
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 Wonder Struck by Singlespeed Brewing – 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!
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Transcript
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| 0:00.0 | This is an IHeart podcast. |
| 0:02.5 | Guaranteed human. |
| 0:04.4 | No gloss, no filter. |
| 0:07.4 | Just stories. |
| 0:09.1 | Spoken without fear. |
| 0:10.9 | Person who is not generous can not be an artist. |
| 0:13.8 | The world will be at peace only when it is ruled by poets and philosophers. |
| 0:18.4 | Listen to my weekly podcast, the Pooja Abhaw show, |
| 0:21.2 | and the I Heart Radio app, |
| 0:22.9 | Apple Podcasts, or wherever you get your podcasts. |
| 0:27.3 | Come for the honesty. |
| 0:29.2 | Stay for the fire. |
| 0:32.9 | Welcome to How to Money. |
| 0:34.7 | I'm Joel. |
| 0:35.3 | And I am Matt. |
| 0:37.5 | Today, we're answering your listener questions. Yeah, so this is, is this the first time we've spoken today? |
| 1:02.5 | Some days we, there are some days when we are, I don't know, these. |
| 1:07.5 | Well, we both show up early. We go get our coffee, like on Mondays or Tuesdays when we do that, we always catch up. |
| 1:12.5 | But then some days, if we kind of, like, if one of us shows up a little bit earlier, you know, vice versa and like the other one's kind of working, and then like you jumped on a call. Like, I don't know. I feel like that we haven't, we haven't chatted yet today. So this might be the very |
| 1:24.4 | Did you go for a run this morning? |
| 1:25.9 | How was it? |
| 1:26.4 | Duh, yes. |
... |
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