Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living ...
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🎙️ ACT Now Education Podcast – Empowering the Military Community Through Knowledge & Opportunity Hosted by leaders and experts within the military transition space, the ACT Now Education Podcast is dedicated to helping service members, veterans, and military spouses gain the education, resources, and connections needed to succeed in their post-military careers. Each episode features insightful conversations with industry professionals, veteran entrepreneurs, and thought leaders who provide a ...
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PMR Board Review instructor, David Rosenblum, MD brings his unique insight into this podcast where he discusses issues relevant to physiatrists and pain physicians. Dr. Rosenblum is the author of PMRExam.com For more information go to PMRExam.com for board review and CME credits
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PRP Epidural Injections for Radicular Pain
15:31
15:31
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15:31PRP in the Epidural Space for Radiculopathy Brooklyn Based Pain Physician, David Rosenblum, MD known for his work publishing and teaching Regenerative Pain Medicine and Ultrasound Guided Pain Procedures hosts this podcast covering the latest and most advanced concepts in Pain Medicine. Summary Dr. David Rosenblum delivered a comprehensive lecture c…
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Pharmacist to Full Time Real Estate Investor w/ Ryan Chaw #989
55:51
55:51
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55:51Newer listeners may not realize how OBSESSED with investing in real estate we were back in the day. In fact, when we were batting around ideas for a podcast, we initially thought it might be focused only on real estate... Luckily we zoomed out enough to cover personal finance more broadly. And it’s not that we’re not excited about rentals anymore, …
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Ask HTM - Buying a Used Mattress, Best Use of an Inheritance, & Disqualified from a Roth #988
50:36
50:36
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50:36Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
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Friday Flight - Credit Crunch, MAGA Money, & Gas Gouging #987
36:13
36:13
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36:13Time for a Friday Flight- our little sampling of the week’s 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 help…
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17 March 2025 Weekly Rundown: Security Clearance Pathways
1:53:44
1:53:44
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1:53:44Security clearance is a valuable asset in today's job market with multiple pathways beyond military service. Jay Salters breaks down clearance levels, requirements, and how to strategically position yourself for clearance-eligible roles without sacrificing your career trajectory. • Less than 2% of Americans have security clearance, making it a valu…
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Impoverished Upbringing to Money Monster w/ Listener Nick Gangwer #986
53:10
53:10
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53:10We’re trying something completely new for our episode today: we’re hearing from a listener. Not in the form of a question submitted via voice memo, but we’re actually sitting down and having a ‘real money’ conversation, with Nick Gangwer. We met Nick at a listener hang about a year ago and his personal story and the proactive steps that he had take…
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Opiates and the role of Gender- For the Boards!
19:53
19:53
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19:53Summary Dr. David Rosenblum delivered a comprehensive lecture on gender differences in opiate effects and prescribing practices. He discussed several key studies examining how opiates affect males and females differently, both in animal models and humans. Dr. Rosenblum shared findings showing that morphine has stronger analgesic effects in males, w…
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Ask HTM - Special Roth Accounts, Investing During A Sabbatical, & Reverse Mortgages #985
51:28
51:28
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51:28Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
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Friday Flight - Streaming Sports, Trade-In Tradeoffs & AI Lies #984
36:53
36:53
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36:53Time for a Friday Flight- our little sampling of the week’s 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 help…
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Practical AND Beautiful Investing Advice w/ Callie Cox #983
56:40
56:40
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56:40What it means to have a practical and beautiful portfolio. How recent policy decisions have roiled the stock market. Right-sizing your risk tolerance… These are just a few of the topics we discuss with our guest Callie Cox who is a part of the Ritholtz Wealth Management team. She is also the author of OptimistiCallie, her newsletter where she seeks…
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Ask HTM - Unnecessary Credit Cards, Creatively Funding Grad School, & Dropping Car Insurance To Save #982
52:42
52:42
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52:42Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
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Friday Flight - Paper Wealth, Target Date Trends, & Bye Bye Buffett #981
36:01
36:01
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36:01Time for a Friday Flight- our little sampling of the week’s 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 help…
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Creating a Post-Layoff Action Plan w/ Marlo Lyons #980
54:54
54:54
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54:54Gone are the days of constantly job hopping in order to rapidly boost your salary! Remember when perusing new job listings during your lunch break while WFH led to a 10-30% pay bump?! Now, with the uncertainty we’re experiencing in the overall market, it’s not just the new hires who are a bit nervous about hanging onto their jobs. Even government w…
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Podcast Show Notes: Peripheral Vascular Disease in PainManagement Episode Highlights: - Host: Dr. David Rosenblum - Podcast: Pain Exam Podcast - Focus: Peripheral Arterial Disease (PAD) in Pain Management Download the App Key Topics Covered: 1. Peripheral Arterial Disease (PAD) Overview - Definition: Arterial sclerosis condition developing over lon…
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Ask HTM - Pro Help to Break the Paycheck to Paycheck Cycle, Down Payment Money Market Accounts, and Viable Student Loan Forgiveness Plans #979
45:33
45:33
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45:33Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
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Friday Flight - Thrifty Trucks, Pricey Parking, & Soaring Secondary Costs #978
34:36
34:36
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34:36Time for a Friday Flight- our little sampling of the week’s 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 help…
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Student Loan Shakeup w/ Travis Hornsby #977
59:33
59:33
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59:33The Feds are cracking down on defaulted student loans! According to the new US Education Secretary, it’s time for student borrowers with federal loans to begin making payments. The clock is ticking and May 5th is the date that nearly 2 million borrowers are going to be moved into repayment plans and collections will begin for loans that are in defa…
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Ask HTM - Student Loans vs Investing, Best Cell Service While Abroad, & the Role of Faith in Our Finances #976
47:52
47:52
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47:52Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
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Friday Flight - Debt Defaults, VIP Investments, & Regretful Retirees #975
36:30
36:30
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36:30Time for a Friday Flight- our little sampling of the week’s 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 help…
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The Cheap Travel Truth w/ Scott Keyes #974
54:28
54:28
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54:28Who doesn’t wish that they were currently listening to this episode while lounging at the beach, on a European adventure, or even completely off the grid hiking somewhere amazing?! Of course we all want to do that but c’mon, it’s too expensive! That is the unfortunate excuse that we give ourselves for why we don’t travel as much as we’d like, but o…
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19 April 2025 Weekly Rundown: Navigating Post-Military Career Paths
2:05:41
2:05:41
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2:05:41Jay Salters and the Act Now Education team provide free resources to help veterans and military spouses upskill, reskill, and find meaningful employment opportunities through their community of 77,000 members. • Act Now Education offers a Career Compass platform with access to over 4 million jobs and resume optimization tools • VertForce connects m…
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Ask HTM Special Edition: Tariffs, Market Volatility, & How It All Impacts You #973
58:00
58:00
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58:00Let’s dive into the week with some fresh listener questions we have lined up for you on this Special Tariffs Edition of Ask HTM (more on that further down). But don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step gui…
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Friday Flight - Panic Pre-Purchasing, Un-Trustworthy TikTok Trends, & “Recession Hair” #972
33:40
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33:40Time for a Friday Flight- our little sampling of the week’s 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 help…
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WIll JOURNAVX™ (Suzetrigine) appear on the PM&R Boards?
16:42
16:42
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16:42Summary At some point this medication may show its face on the Physiatry boards. Whether or not Suzetrigine will appear on the Physical Medicine and Rehabilitation boards, all of us need to know about this new class of analgesic. Brought to you by NRAP Academy, home of the PMRExam Board Prep Here, Dr. David Rosenblum delivered a comprehensive lectu…
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Economic Cheat Codes for Everyday Life w/ Daryl Fairweather #971
50:01
50:01
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50:01We’re joined by the Chief Economist at Redfin, Daryl Fairweather, so you know we’re talking about the current state of the real estate market today. But before she was knee-deep in housing data Daryl was the senior economist at Amazon, and before that she was a researcher at the Federal Reserve Bank of Boston which is when she was working with Frea…
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Ask HTM - Paying for DeleteMe, Investing like the Ivies, and When a New Car Makes Sense #970
46:20
46:20
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46:20Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you…
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Forging Financial Flexibility in an Uneasy Economy (Bestie) #969
48:04
48:04
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48:04Flexibility is a characteristic that will serve you well! This reminded Joel of his summer beach trip with his family to Tybee Island. Shortly after they left, there was a massive swarm of jellyfish that meant beachgoers couldn’t even get in the water. Lifeguards treated around 300 visitors for jellyfish stings in a single weekend. And while that w…
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Banking on Bitcoin w/ Natalie Brunell #968
52:23
52:23
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52:23Whether it’s too late to get in on BTC, hackers targeting crypto, what a Federal Bitcoin Reserve means for the price of BTC… these are just a few of the topics we get into today with our guest, Natalie Brunell. When we occasionally talk about Bitcoin, it’s typically within the context of investing, and even then our approach is for it to be a relat…
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Ask HTM - Deciding How Much ‘Fun $’, Prepping for Long Term Care, & Doubling Down on Employer Retirement Accounts #967
50:12
50:12
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50:12Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you…
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1
Friday Flight - Tax Tips, Wage Deflation, & Liberated From Low Prices #966
34:58
34:58
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34:58Time for a Friday Flight- our little sampling of the week’s 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 help…
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Trustworthy Tax Advice w/ Jasmine DiLucci #965
50:26
50:26
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50:26Imagine a scenario where you purchase pretty much whatever you want at the grocery store, you frequently go out to eat, and on top of that you always buy drinks for friends- no questions asked. That’s about what it would take to get food spending up to around 15% of average household income… but that sounds a bit insane! Most folks shop for sales, …
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Hamed Sadeghipour, MD on Pain: Board Prep, Jobs and more!
25:36
25:36
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25:36Summary The video covers a conversation between Dr. David Rosenblum and Dr. Hamed Sadeghipour, discussing board preparation experiences and the current state of pain management practice. Dr. Rosenblum begins by announcing upcoming events, including a May 17th ultrasound course in New York City and his lectures at various conferences. He also mentio…
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Ask HTM - Budgeting for Housing Splurges, ChatGPT for Your Savings, & Churning Free Gym Trials #964
49:43
49:43
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49:43Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you…
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Friday Flight - Education Evisceration, BNPL Burgers, & Torched Teslas #963
31:05
31:05
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31:05Time for a Friday Flight- our little sampling of the week’s 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 help…
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Getting the Job You Want w/ Madeline Mann #962
52:34
52:34
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52:34Today on the podcast we’re joined by Madeline Mann who is an HR and recruiting leader and is also the author of Reverse the Search which hits the shelves on April 1st. Madeline spun her insider knowledge of the hiring process into an award-winning career coaching empire, called Self Made Millennial, where she has reached millions of folks. Through …
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Ask HTM - Responding to a Rental App Denial, Crummy 529 Plans, and Buying Land as an Investment for Family #961
52:14
52:14
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52:14Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you…
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22 March 2025 Weekly Rundown Part 2: Finding Your Next Career
1:00:18
1:00:18
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1:00:18Veterans and military spouses can find meaningful employment through specialized job platforms and resources designed for the military community. We explore remote work opportunities, certification programs, and free training options that can transform your career path. • VertForce offers remote positions specifically for military spouses and veter…
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22 March 2025 Weekly Rundown Part 1: Finding Your Next Mission: Post-Service Career Navigation
1:00:18
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1:00:18Kimber and Kim share powerful job search resources designed specifically for veterans and military spouses, with a focus on remote opportunities and verified job listings. They present platforms containing millions of legitimate job postings, training resources, and networking opportunities tailored to the unique needs of the military community. • …
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Friday Flight - Appealing ARMs, Iterating Investments, & College Cost Cuts #960
36:08
36:08
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36:08Time for a Friday Flight- our little sampling of the week’s 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 help…
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Make More Money, Do More Good w/ Derrick Kinney #959
51:31
51:31
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51:31We argue that money itself isn’t a good or bad thing, it’s not holy or evil, but we do think it comes down to what you do with it that makes the world a better or worse place. That message is also at the heart of Derrick Kinney’s best-selling book “Good Money Revolution”... what are you doing with your money, what actions are you taking? That’s at …
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Ask HTM - Mass Government Layoff Triage, If Declining Rental Income Is Still Worth It, and Generating Passive Income #958
53:18
53:18
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53:18Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you…
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By Jai Salters and Team
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Friday Flight - Tariff Tantrum, Southwest Succumbs, & The Greatest Grocers #957
34:46
34:46
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34:46Time for a Friday Flight- our little sampling of the week’s 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 help…
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1
PRP Q&A plus Ultrasound Guided Cervical Injections- Best Practice?
18:15
18:15
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18:15Dr. Rosenblum Reviews Questions from my previous lecture, he gave at the trigeminal academy in Indonesia. Dr. Rosenblum explores techniques for rich plasma injection and preparation. He discusses centrifuge settings with plasma volume and concentration as well as the addition of hyaluronic acid to platelet rich plasma. Dr. Rosenb;um also received m…
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Cultivating a Wealthy Mindset w/ Shang Saavedra #956
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52:40
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52:40Living on one partner’s income, stepping away from corporate America, firing up a serious side hustle… these are just a few of the topics we’re discussing with our guest today. Shang Saavedra is a financial coach, founder of the site Save My Cents, and now author of the new book “Wealth is a Mindset.” Shang lives at the intersection of mental healt…
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Ask HTM - Finding Travel Deals, 401k Match Changes, and Our Take on Long Term Disability #955
53:00
53:00
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53:00Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you…
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Friday Flight - Student Loan Shakeup, Doom Spending, and the Mounting Mini-Stagcession #954
37:03
37:03
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37:03Time for a Friday Flight- our little sampling of the week’s 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 help…
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1
Launching an Offbeat and Sustainable Business w/ Jason Zook #953
58:55
58:55
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58:55“Solve a problem for people in an interesting way” and “There’s not one way to do business”... those are just a couple quotes from our conversation with Jason Zook. Our goal for this episode is for you to finish listening, and to be completely inspired to start your own small business. Unfortunately, there can be this aura around starting an “offic…
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Ask HTM - Cashback vs Travel Points, Letting a Brokerage Cook, and the Right Way to buy a First Home #952
52:31
52:31
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52:31Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you…
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Friday Flight - Brainless Borrowing, DOGE Dividends, & Abroad on a Budget #951
34:27
34:27
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34:27Time for a Friday Flight- our little sampling of the week’s 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 help…
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