Ask HTM – Quick Cash with eBay, Making Quarterly Estimates, & a Home Appraisal Goes Awry #1048
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 13 October 2025
⏱️ 51 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 - eBay: when to list and when to sell locally?
2 - Quarterly estimates: making estimates vs increasing withholding to avoid the tax shock
3 - Backdoor Roth IRA: is the window closing to make backdoor Roth IRA contributions?
4 - Buying a home: when it makes sense to make an as-is offer?
5 - Selling a home: what should I do if the appraisal comes back below the offer price?
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
- We referenced this holistic tax planning conversation with CFP Cody Garrett.
- 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 Rice Lager by Hi-Wire 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. |
| 0:04.2 | Welcome to How to Money. |
| 0:05.8 | I'm Joel. |
| 0:06.4 | I am Matt. |
| 0:07.7 | Today we're going to answer some of your listener questions. |
| 0:34.3 | Today we're going to answer get to personal finance questions. |
| 0:39.1 | For instance, a listener, he is interested in making a buck with eBay. So we'll get to talk about that. I really love eBay. And I think it might show a little bit. We'll get to |
| 0:45.6 | that question. Another listener received an inheritance and now he's dealing with taxes, but maybe not |
| 0:51.5 | in the way that you might be thinking.'re alluding to here we're going to talk |
| 0:54.5 | we're going to get to some questions about buying and selling homes on both sides of the transaction |
| 1:00.8 | we can link up both those listeners into one transaction let me introduce you to my buddy |
| 1:06.8 | is it mario we're going to talk to mario here him in a little bit. But yeah, I'd love to play |
| 1:11.2 | matchmaker in that way. Speaking of homes and housing, Joel, guess what? I actually received a |
| 1:19.3 | notice from my insurance company. It was a notice of non-renewal from the insurance company about |
| 1:26.4 | one of my investment properties. You know what you should do, |
| 1:28.9 | Matt. You should go back and listen to this podcast called How to Money. We interviewed someone |
| 1:32.3 | called Lisa Gill from Consumer Reports. She talked about this with us. Got to take them to task. |
| 1:37.8 | Yeah. So what I'm going to do is I want to share what to do in a situation like this. First of all, I'll explain what happened, |
| 1:45.8 | got a notice, and they outlined in that notice of non-renewal. I just remember Lisa, was she the one, |
| 1:51.2 | she had the trailer. Yeah, the tiny home. She invested all of her money in, uh, pea gravel. |
| 1:55.8 | Pea gravel. Which can I just say, if you're looking to put down rock in a little garden, |
| 2:02.1 | peak gravel, it's more traditional, it's more authentic from like an English garden standpoint. |
... |
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