Friday Flight - Points for Paying your Mortgage, Credit Card Consultants, & AI UBI (to each according to his need!) #1092
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 23 January 2026
⏱️ 41 minutes
🧾️ Download transcript
Summary
Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like:
- Dry January is still costing you
- Background (credit) checks
- Garnished student loan wages
- Points for paying your mortgage
- If the juice is still worth the squeeze
- Credit card consultants
- Smaller weddings saving money
- Paying for guru chatbots (should we launch our own new AI or do traditional one-on-one coaching?)
- Hey siri, reduce my medical bill by 80%
- AI UBI
- Tapping a 401k early
- Greenland and the future of investing in US stocks
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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. |
| 0:06.4 | I'm Matt. |
| 0:07.2 | Today, we're talking mortgage payment perks, credit card consultants, and, UBI.I. You're talking about Musk. Did you see the latest news about him getting in a fight with the Ryan Air CEO? Yes. |
| 0:39.4 | And I didn't follow this spat, online spat, because I don't spend any time on X. But I love that. |
| 0:45.7 | Evidently, Elon said that he was going to buy the company and then replace the CEO with somebody |
| 0:51.6 | actually named Ryan. |
| 0:59.9 | Which is like the most juvenile, stupid, but also hilarious things that I saw now. |
| 1:04.6 | Well, Ryan Air has been, it was like kind of the original when it comes to like discount airlines. Oh yeah. It all started in Europe. And Ryan Air and EasyJet, man. I remember flying those |
| 1:09.0 | jokes. So if you hate spirit, you have Ryan Air to blame for that. Back in 2006, I think we flew from Milan to London for 20 bucks. I guess it was 20 euro. And of course, the Ryan Air CEO, he's like this shameless self-promoter. And he's using this spat as he's like, hey, now we get this idiot sale or whatever for $23 because like |
| 1:30.7 | yeah you can those some of those flights are so dang short and they can they've just figured out a way |
| 1:36.5 | to do it for incredibly cheap and that's where the spat started by the way is because Elon was like |
| 1:40.0 | hey you need put Starlink on your your airplanes and the CEO was like, no, it's going to cost me money. |
| 1:44.6 | And nobody's not going to actually pay for the stupid thing. Our customers are so price sensitive. It's going to add. And it's going to not just cost them money, but apparently it's going to, you know, the planes are going to have to use more fuel because of the antenna you have to put on top of the plane and all that stuff. And so he thought through it. And so while Elon, of course, has a vested interest, the CEO of Ryanair also has a vested interest in keeping costs low. |
| 2:04.4 | Really fun. And so he thought through it. And so while Elon, of course, has a vested interest, the CEO of Ryanair also has a vested interest in keeping costs low. |
| 2:04.4 | Really funny. |
| 2:05.3 | Yeah. |
| 2:05.6 | This is our Friday flight, though. |
| 2:06.7 | We're going to cover maybe more pertinent personal finance-related headlines that are going to impact your dollars. |
| 2:12.8 | Joel, you have a note here about cocktails. |
... |
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