Ask HTM – Money Gears Mixup, Stewarding an Inheritance, & Turning to Gold! #1096
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 2 February 2026
⏱️ 52 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 - Money Gears: I’m confused… why do you recommend getting a 401k match before paying off high interest credit card debt?
2 - Cash windfall: What should I do with the rest of my inheritance?
3 - 403b: Should I opt for the new Roth version, stick with the traditional, or maybe it’s possible to do both?
4 - Greenland: With all the political upheaval we’re seeing, should shift all my investments to gold?
5 - Credit report: Where should I go to get my actual free credit report?
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 Bourbon Barrel Aged Wee Heavy w/Coconut Maple and Macaroons by Incendiary Brewing - a huge thanks to Brandon for donating this one to the show! 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. |
| 0:29.2 | Guaranteed Human. Welcome to How to Money. I'm Joel. I'm Matt. Today, we're answering your listener questions. Okay. I'm gonna That's right, buddy. |
| 0:30.4 | Listener question Monday. |
| 0:34.2 | We're going to hear from a listener who is questioning our money gears, |
| 0:36.7 | the order of operations that we prescribe. |
| 0:38.0 | Question us at your own peril. |
| 0:38.7 | Yeah. |
| 0:40.1 | Because we said so. |
| 0:40.3 | Yeah. |
| 0:41.7 | That's why. |
| 0:42.2 | That's right. |
| 0:44.1 | Matt Channeling his mother from childhood. |
| 0:46.4 | That won't be the only answer that we give there. We'll explain why. |
| 0:47.7 | Another listener is looking for ways to not squander an inheritance. |
| 0:52.7 | This is actually a return caller or a return voice memo sender, perhaps. |
| 0:57.7 | Another listener is wondering if he should be turning to gold with all the uncertainty |
| 1:01.8 | that we've seen, with gold hit in all-time highs, whether or not we would suggest doing |
| 1:06.9 | that. |
| 1:07.3 | We'll get to those listener questions. |
| 1:09.3 | Plus more during our episode today. And I will say, too, I think it's so good for us to hear directly from listeners because I don't know about you, Joel. Sometimes it's easy for me to forget that we're talking to people. Yeah. And I'm always reminded of that. Honestly, it's when the listeners, well, first of all, emails. And sometimes folks will send us their story and share with us |
| 1:27.7 | Facebook group too right we always well that's the thing I don't I speak you're not in there |
| 1:31.5 | I'm never on Facebook maybe does that go on in the group someone dropped a suggestion for you |
... |
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