Ask HTM – Sinking Funds for BIG Purchases, PTO Advances, & Investing for Early Retirement #1054
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 27 October 2025
⏱️ 59 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 - Savings rates: how should I account for a disability payment when calculating my savings rate?
2 - $300,000: if I want to retire early in a couple years, what should I do with a settlement payout?
3 - 401k faux pas: WTD with my 401k that I overcontributed to last year?
4 - New car: how should I save up for a new ride I might buy in 5-6 years?
5 - Credit repair: student loan autodraft got dropped, credit score busted, now pay to get it fixed?
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
- Calculating your savings rate and knowing that single metric can give your finances the boost needed to achieve early retirement.
- 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 Presence of Another World by Bissell Brothers! 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. |
| 0:05.5 | From NBA champion, Stefan Curry, comes shot ready, a powerful never-before-seen look at the mindset that changed the game. |
| 0:13.1 | I fell in love with the grind. You have to find joy in the work you do when no one else is around. |
| 0:20.0 | Success is not an accident. |
| 0:21.8 | I'm passing the ball to you. |
| 0:23.8 | Let's go. |
| 0:24.6 | Steph Curry redefined basketball. |
| 0:26.5 | Now he's rewriting what it means to succeed. |
| 0:28.9 | Order your copy of the New York Times bestseller shot ready. |
| 0:31.9 | Today at stephencurrie book.com. |
| 0:34.5 | I'm Jonathan Goldstein and on the new season of heavyweight. |
| 0:38.1 | And so I pointed the gun at him and said this isn't a joke. |
| 0:42.6 | A man who robbed a bank when he was 14 years old. |
| 0:46.1 | And a centenarian rediscovers a love lost 80 years ago. |
| 0:50.5 | How can a 101 year old woman fall in love again? Listen to heavyweight on the |
| 0:59.1 | IHeart radio app, Apple Podcasts, or wherever you get your podcasts. Welcome to How to Money. I'm Joel. |
| 1:06.9 | I'm Matt. Today we're answering your listener questions. |
| 1:31.9 | Okay. I'm Matt. Today we're answering your listener questions. Happy fall, everybody. Did you know it's officially fall, Joel? |
| 1:36.0 | Is it? It is my book. Actually, I don't technically know when the first day of fall is. |
| 1:40.0 | We had many false falls where we live, Matt. That's a constant in our neck of the woods. |
| 1:45.3 | Everyone's like, ooh, I felt a bit of chill in the air. Then shoots back up to 80 degrees. |
| 1:46.0 | Yeah, yeah. |
... |
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