Ask HTM - Work Provided Life Insurance, Compounding Returns with a 401k True-Up, & Selling a Home to an iBuyer (Bestie Ep) #1081
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 29 December 2025
⏱️ 61 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 - Home sale: should I sell my house to an iBuyer?
2 - Life insurance: is my work provided life insurance enough or should I go ahead and get an affordable policy while I’m young?
3 - Retirement: my 401k has a ‘true-up’ feature but does investing just once, at the end of the year, stymie compounding returns?
4 - Investment property: does it make sense to build a brand new house and then rent it out as an investment property?
5 - Pod talk: how can I grow my podcast- how did y’all grow your podcast audience?!
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
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- 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 Chubby Unicorn by Common Space! 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 | This is an IHeart podcast. |
| 0:02.5 | Guaranteed human. |
| 0:07.0 | New Year's resolution. |
| 0:08.8 | Own how you show up online. |
| 0:10.7 | It's easy with a domain and matching email from GoDaddy. |
| 0:13.7 | Now just 99 cents per month for new customers their first year. |
| 0:18.2 | Ring in 2026 with a domain and matching email at goaddy.com slash new year. |
| 0:23.8 | That's go daddy.com slash new year to own how you show up online. |
| 0:31.1 | Welcome to How to Money. |
| 0:32.8 | I'm Joel. |
| 0:33.4 | And I am Matt. |
| 0:34.8 | And today we are answering your listener questions. |
| 1:02.0 | Okay. and I am Matt. And today we are answering your listener questions. That's right, buddy. This is a listener questions Monday episode that we've got lined up for you. |
| 1:06.7 | We hope everybody out there had a wonderful weekend. But we've got five awesome questions to get to. |
| 1:28.0 | A listener is wondering if the work provided life insurance that her and her husband receive, if that's going to be enough. We're going to talk about that. Another listener is he's got a 401K true-up option. That's something that is offered, but he wants to know if this actually means that he's not leaving money on the table. Not tune up, but true up, which we'll get into. Did I say true up? |
| 1:44.3 | No, no, you said true up. Okay. I know people might hear that and they're like, I don't even know what that is. We'll talk about that. And then another listener, she is selling her house or she wants to and she's wondering if she should go the, uh, take the I buyer route. So we've got that question, plus a couple others on today's episode. |
| 1:45.6 | All right, before we get to that, Matt, I wanted to quickly mentioned. |
| 1:47.5 | Have you heard of, out. So we've got that question, plus a couple others on today's episode. All right, |
| 1:44.8 | before we get to that, Matt, I wanted to quickly mentioned. Have you heard of EU 261? |
| 1:50.0 | It's a law in the European. Is that the new COVID variant? That's what it sounds like. |
| 1:53.9 | No, although I can see why you say that. No, but there's... B.A.2.61. |
| 1:59.0 | But so this is a law in Europe that basically says that you get paid if a flight is delayed |
... |
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