Joel, the holidays are a blast, but the financial hangover, that can be a huge bummer.

If you are out there and you're dreading the new statement email that reveals the massive balance that you may have racked up, well, you could use her help.

That's right.

I'm Joel and I am Matt.

And we're from the how-to money podcast.

Our show is all about helping you make sense of your personal finances so you

can ditch your pesky credit card debt once and for all, make real progress on other crucial

financial goals that you've got and just feel more in control of your money in general.

You know it. For money advice without the judgment and jargon, listen to How to Money on the

Iheart Radio app, Apple Podcast apple podcasts or wherever you get your

podcasts here we go welcome it's our number one hour one we're back at our first show of

2025 and we're up all night providing providing you this fresh, piping hot podcast.

Here, an hour number one is all about college football.

Does Ohio State Coach Ryan Day deserve an apology?

The Buckeyes have been monster mashing in the college football playoff,

another blowout win over the ducks.

Speaking of that, Oregon coach Dan Lannning says Buckeye star Jeremiah Smith is NFL ready.

At age 19, are you in or out on this?

And do you also agree with Arizona State's Cam Skataboo winning the Peach Bowl offensive MVP despite the Sun Devils losing in a double overtime classic.

The Texas will discuss that as well.

All of it's coming your way right now.

Here it is our number one.

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