Ask HTM - Responding to a Rental App Denial, Crummy 529 Plans, and Buying Land as an Investment for Family #961

How to Money

iHeartPodcasts

Business, Investing, Education

4.5 • 3.1K Ratings

🗓️ 24 March 2025

⏱️ 63 minutes

🔗️ Recording | iTunes | RSS

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Summary

Let’s dive into 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 - Should I dial back my 401k contributions to build up an emergency fund or can I just rely on my HELOC?

2 - How should I respond to a denial letter on a rental application I filled out?

3 - I want to purchase some land but what factors should I keep in mind as I consider this investment?

4 - Is it worth going with my state’s 529 plan for the tax break… even if the fees are much higher than average?

5 - “3x your salary saved by age 40”, is this a rule of thumb that I should go with?

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.
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Join a thriving community of fellow money in the HTM Facebook group.
Find the best credit card for you with our new credit card tool!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed an Indominus by Bold Monk! 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	My husband cheated on me with two women.
0:02.3	He wants to stay together because he has cancer.
0:04.4	Should I stay?
0:04.8	Okay, Sam, that has to be the craziest story.
0:06.6	An OK Storytime podcast history.
0:08.2	Well, John, that's because it's Dumpham Week.
0:09.7	And this user writes, last week we had an attempted break in.
0:12.2	I asked my husband, who was supposed to be at his mom's to come over and change the locks.
0:15.7	But his mom told me he wasn't with her. And it took me less than an hour to find the first two women he was cheating on me with.
0:22.1	Did she leave him?
0:22.5	Well, to find out how this story ends, follow the OK Storytime podcast on the IHeart Radio app, Apple podcast, or wherever you get your podcast.
0:30.5	In a world of economic uncertainty and workplace transformation, learn to lead by example from visionary C-suite executives like Shannon
0:38.8	Schuyler of PWC and Will Pearson of IHeartMedia.
0:43.0	The good teacher explains, the great teacher inspires.
0:47.1	Don't always leave your team to do the work. That's been the most important part of how to lead
0:52.9	by example. Listen to lead by example.
0:56.5	Listen to leading by example.
1:02.6	Executives making an impact on the IHeartRadio app, Apple Podcasts, or wherever you get your podcasts.
1:04.6	Hey y'all.
1:09.9	It's your girl Cheekies and I'm back with a brand new season of your favorite podcast, Cheekies and Chill.
1:12.0	I'll be sharing even more personal stories with you guys. And as always, you'll get my exclusive take on topics like love, personal
1:17.2	growth, health, family ties, and more. And don't forget, I'll also be dishing out my best
	...

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