Ask HTM - Student Loans in Administrative Forbearance, Intentionally Entering into Collections, and Financial Infidelity #1102
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 16 February 2026
⏱️ 54 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 - Collections: Is waiting for my unexpected medical bill to head to collections a good or great strategy?
2 - Student loans: What should I do while my student loans are in administrative forbearance?
3 - HSA: Will I be able to reimburse myself for kid medical expenses off in the future when they have their own insurance?
4 - Preggo: After Money Gear 7, what should be our next top priority since we’re now expecting a baby this summer?
5 - Infidelity: What do I do about the secret debt my wife racked up over the holidays?
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During this episode we enjoyed a Vienna Lager 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!
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Transcript
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| 0:00.0 | This is an I-Heart podcast. |
| 0:02.6 | Guaranteed Human. |
| 0:04.3 | Welcome to How to Money. |
| 0:05.7 | I'm Joel. |
| 0:06.3 | I'm Matt. |
| 0:07.1 | Today, we're answering your listener questions. |
| 0:11.1 | I'm Matt. You know what, buddy, let's get after it. |
| 0:29.3 | We're going to hear directly from listeners. |
| 0:31.4 | We've got a listener who's asking what he should be doing about his student loans that are in forbearance. |
| 0:37.3 | Another listener is actually looking forward |
| 0:40.3 | to collections. Could this be a strategy, Joel? We'll talk about what he's thinking about. |
| 0:46.2 | And another listener actually encountered some financial infidelity. And so I'm going to |
| 0:52.1 | uncomfortably wait into playing financial counselor maybe, |
| 0:55.5 | and we'll see what kind of terrible advice that we give in that section of the How to Money |
| 0:59.4 | podcast. And you didn't even sleep at a holiday in that night. I didn't even do it, man. |
| 1:02.6 | You're still going to try. Well, hey, you've got this thing about Shutterfly here. We got like a new |
| 1:07.2 | sponsorship or something. No, no, no, no. New affiliate code? So I was not even that. |
| 1:12.3 | I was curious because I have a lot of photos that I don't really have backed up. |
| 1:19.6 | And I guess I could just like buy a cheap hard drive and download everything from my phone |
| 1:23.8 | and send it over to a hard drive. |
| 1:25.8 | But it would be nice to have them stored in the cloud |
| 1:29.2 | somewhere. Oh, yeah. And I could, you know, Matt, you know this about me. I'm kind of cheap sometimes. |
... |
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