While Joel Larsgaard had to watch his parents declare bankruptcy, Matt Altmix grew up in a financially healthy family where money was discussed. They met as adults and became best friends, bonding over real estate investing, personal finance, and craft beer. When they saw a need for a casual personal finance show, they launched How to Money, a podcast that has now been downloaded more than 40 million times over the past few years. In this episode, Joel and Matt share their best tips and tricks for staying ahead of your finances. Joel Larsgaard is a former senior radio producer on the nationally syndicated Clark Howard Show. In pursuit of his dream to achieve financial freedom, he started working young and now manages a modest real estate portfolio. Matt Altmix is a former wedding photographer and business owner. Before switching to photography, he worked in the advertising space as a designer. Matt also manages several investment properties. In this episode, Hala, Joel, and Matt will discuss: - The origin story of Joel & Matt's podcast - Why millennials are saving less - Spending triggers and how to avoid them - The 48-hour rule and other tips for curbing impulse buying - The danger of the ‘buy now, pay later’ system - How to improve your credit scores - Tips and tricks to spend less and save more - Homeownership vs. renting - And other topics…   Joel Larsgaard is a former senior radio producer on the nationally syndicated Clark Howard Show. He started working young, first mowing lawns, then doing a three-hour shift at the Chick-fil-A across from his high school. He made only $24,000 a year at his first job in radio but saved up 20% to put down on his first house. In pursuit of his dream of achieving financial freedom, he became a part-time landlord with a modest real estate portfolio of seven properties in Atlanta. Matt Altmix is a former wedding photographer turned full-time podcast host. Before switching to photography, he worked in the advertising space as a designer. While in school, he and his wife shared dreams of starting their own businesses. After they got married, they started Altmix Photography, running it together until Matt decided to focus on podcasting full-time. Matt also manages several investment properties.   Sponsored By: Shopify - Sign up for a one-dollar-per-month trial period at youngandprofiting.co/shopify Justworks - Start your free month now at justworks.com/profiting Indeed - Get a $75 job credit at indeed.com/profiting Airbnb - Your home might be worth more than you think. Find out how much at airbnb.com/host Porkbun - Get your .bio domain and link in bio bundle for just $5 from Porkbun at porkbun.com/Profiting Active Deals - youngandprofiting.com/deals Key YAP Links Reviews - ratethispodcast.com/yap Youtube - youtube.com/c/YoungandProfiting LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new Entrepreneurship, entrepreneurship podcast, Business, Business podcast, Self Improvement, Self-Improvement, Personal development, Starting a business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side hustle, Startup, mental health, Career, Leadership, Mindset, Health, Growth mindset,Finance, Financial, Personal Finance, Wealth, Stock Market, Scalability, Investment, Financial Freedom, Risk Management, Financial Planning, Business Coaching, Finance podcast, Investing, Saving,  Learn more about YAP Media Agency Services - yapmedia.io/ Learn more about your ad choices. Visit megaphone.fm/adchoices