Best Yanely Espinal Podcasts (2025)

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Can Love Survive a Budget!? w/ Doug & Heather Boneparth #1052 57:47

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17h ago57:47

57:47

Figuring out your money is tough enough if you’re flying solo. Doing it with your partner ramps up the difficulty level because you're throwing in varied money history, habits, and goals. It can create a lot of friction! Our guests today have a lot of great advice for couples looking to do better with their finances and create a ‘team vibe’ with th…

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Ask HTM - Medium-Term Investing Conundrums, Naughty Credit Card Behavior, & Vapid Vesting Periods #1051 52:10

3d ago52:10

52:10

Let’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 - Accidental Landlords, Debilitating Debt & The WFH Premium #1050 41:25

6d ago41:25

41:25

Time 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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Money Truths You Won’t Hear Anywhere Else w/ Len Penzo #1049 53:33

8d ago53:33

53:33

Our guest today is a self professed personal finance oddball! Len Penzo spent 35 years in the aerospace industry before retiring at age 58 as an electrical engineer. Along the way he launched LenPenzo.com in December 2008 (he even helped to give Joel a start writing personal finance content back in the day). Since then, the blog has drawn millions …

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Ask HTM – Quick Cash with eBay, Making Quarterly Estimates, & a Home Appraisal Goes Awry #1048 50:32

10d ago50:32

50:32

Let’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 - Refi Revival, Delay Pay Disaster, & Landline Love! #1047 38:01

13d ago38:01

38:01

Time 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 Demographic Dilemma and Your Dollars w/ Melissa Kearney #1046 57:48

15d ago57:48

57:48

“Demographics are destiny” is a phrase we’ve all heard. And while the future of America isn’t a foregone conclusion, declining birth rates, rising inequality, and the dramatic increase of single-parent households are having a profound impact on our society, impacting the overall economy. With all of this in mind, another question is raised: how sho…

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Ask HTM - Avoiding the Credit Card Burn, Timing a HELOC, & Solar to Retire Sooner #1045 52:11

17d ago52:11

52:11

Let’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 - Underwater Autos, Freelancing FTW, & E-Fund Idiocy #1044 37:12

20d ago37:12

37:12

Time 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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Pulling the Most Powerful Money Levers w/ Professor Kristen Carioti #1043 55:03

22d ago55:03

55:03

Our guest today says, “you can’t transform the world if you’re living paycheck to paycheck.” We couldn’t agree more! And money literacy is at the heart of avoiding that fate. Not only did Professor Kristen Carioti literally write the personal finance textbook, but she also found a way to make personal finance classes a requirement at her school, Mo…

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Ask HTM - Break-Even Bank Switch, Doubling Down on a 457b, & Financing an ADU for Extra Cash #1042 56:42

24d ago56:42

56:42

Let’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 - 'Just In Case' Planning, Consumer Caste System, & Credit Scores Crashing #1041 38:27

27d ago38:27

38:27

Time 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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Eat the Avocado Toast w/ Justin & Haley Brown-Woods #1040 54:48

29d ago54:48

54:48

The supposed luxury of avocado toast, along with the latte, has become an “ok boomer” personal finance tip. “Stop frivolously spending your money and you’d be rich!”... we don’t actually believe that here at HTM and even if there’s a modicum of truth to that statement, it presents other challenges like: how long do you sacrifice in the short-term i…

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Ask HTM - Best Grocery Cashback Credit Cards, Risking it with Ultra Cheap Car Rentals, & Giving Up on Home Ownership #1039 54:25

1M ago54:25

54:25

Let’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 - Pricey Porch Pumpkins, Twitter for Trading, & Saving for a Spouse #1038 33:30

1M ago33:30

33:30

Time 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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Cutting Taxes & Retiring Sooner w/ Cody Garrett #1037 55:17

1M ago55:17

55:17

Benjamin Franklin once wrote “... in this world, nothing is certain except death and taxes.” It was true over 200 years ago and it’s true today! But we’re here to argue that there’s another certainty pertaining to taxes: that we all have the ability to change our individual tax rate by our own actions! Our guest today, Cody Garrett, has thoroughly …

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Ask HTM - Gifting $ to Other’s Kids, Most Affordable Protein, & Snagging the 529 State Deduction #1036 51:44

1M ago51:44

51:44

Let’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 - Flipping For Cash, Health Insurance Hikes, & Grim Googling #1035 36:51

1M ago36:51

36:51

Time 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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Financial Freedom on Less than $40k w/ Hope Ware #1034 53:20

1M ago53:20

53:20

Want to live joyfully and abundantly on a shoestring budget? Is it even possible or is it something from a bygone era?! With headlines shouting that even high income earners making $300,000 are living paycheck, achieving financial freedom on a $40,000 salary sounds like a pipe dream. But our guest today is proof that it’s possible and that you can …

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Ask HTM - Condo Cold Feet, Investing in ABLE Accounts, and the Best Interest Rate Ever #1033 51:02

1M ago51:02

51:02

Let’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 - Forgotten 401k, Peaking Pessimism, & Loyalty is for Losers #1032 39:31

2M ago39:31

39:31

Time 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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Built to Borrow: The Hidden Forces Behind Debt w/ John Dinsmore #1031 56:30

2M ago56:30

56:30

A lot of folks discover personal finance podcasts like this one after hitting a few bumps in the road – most often with debt. Maybe you’ve maxed out your credit cards, or you’re juggling more Buy Now Pay Later payments than you can keep up with. That kind of financial stress is heavy, and it often comes with a side of shame. But what if your money …

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Ask HTM - Is a 25% Savings Rate Overkill, Avoiding State Minimum Insurance Requirements, & Eliminating 401k Loans #1030 53:17

2M ago53:17

53:17

Let’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 - Pre-K For Pay, Helicopter Savers, & Politics Shmoliticks #1029 35:47

2M ago35:47

35:47

Time 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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Move to Puerto Rico to Axe Taxes w/ Rachel Farris #1028 51:37

2M ago51:37

51:37

Some families have lived on the same plot of land for generations… what’s more Americana than passing down the family farm to the next generation?! But the US also has a history of moving towards opportunity – the settling of the west and the gold rush in California, returning veterans moved at higher rates in the aftermath of WW2, and then more re…

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Ask HTM - Acorns to Jumpstart Investing, Seasoning a Cash Gift, & Social Security Running Out #1027 52:59

2M ago52:59

52:59

Let’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 - Digital Nomad Fatigue, Treat Culture, & Retired Renters #1026 38:20

2M ago38:20

38:20

Time 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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Defend Your Digital Life w/ Nathan Bartram #1025 57:05

2M ago57:05

57:05

The pace at which technology advances is straight up disorienting in our current age. So much so, that it’s likely digital natives and even our kids who can figure out new tech gadgets faster than we can! For those of you who are using apps and AI regularly but not feeling like a pro – you’re worried about your privacy, passwords, & data as you nav…

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Ask HTM - Spending Cash Windfalls, Retirement Investing vs College Savings, & So You Think You Can Landlord?! #1024 58:04

2M ago58:04

58:04

Let’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 - Housing Boom Busts, AI-Induced Outrage, & Infinite Workdays #1023 37:28

2M ago37:28

37:28

Time 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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Moving Up The Wealth Ladder w/ Nick Maggiulli #1022 50:25

2M ago50:25

50:25

We’re glad to have friend of the show and newly married, Nick Maggiulli back on the podcast! He’s been given the nickname Nicky Numbers because he has a special gift for conveying wonky money information in a straightforward and digestible way. We’ve been fans of his blog, Of Dollars & Data, for years now. This episode is for everyone out there who…

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Ask HTM - Jumping Back Into the Workforce, HELOC Cash Grab, and Free Life Insurance Gotchas #1021 51:16

2M ago51:16

51:16

Let’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 - Bad RAPs, Price Match Murder, & Premium Points Credit Cards #1020 38:14

3M ago38:14

38:14

Time 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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WE BACK - Frugal Fun, Travel Tips, & Sabbatical Takeaways #1019 35:27

3M ago35:27

35:27

Finally… a freshie! We’re done with bestie episodes for the summer and are excited to sit down and fill everyone in on what we’ve been up to for the past six weeks. We recount how lucky and blessed we are to be able to take a break from our 9-5, share some of our favorite ways we saved money while traveling (somehow in our first episode back we man…

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Jesus Christ Super-Saver: Ancient Wisdom & Your Money (Bestie Ep) #1018 47:22

3M ago47:22

47:22

We’re glad Ikea exists. The ability for a vast majority of the population to get their hands on some incredibly functional, well designed, and affordable furniture is a good thing. But, you’re also unlikely to pass Ikea furniture down to your kids or for that matter, use it for more than a handful of years. Compare that to a campaign dresser from t…

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How Complicated Should Investing Be? (Bestie Ep) #1017 48:18

3M ago48:18

48:18

Have you ever renovated a home? If so, then you remember all of the decisions that you had to make that initially were a lot of fun. Paint colors, light fixtures, tile, even the kind of toilet you wanted… but eventually it gets old and you just want it done. If you can’t relate, even picking up a loaf of bread at the grocery store can be overwhelmi…

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Small But Mighty Real Estate Investing w/ Chad Carson (Bestie Ep) #1016 56:15

3M ago56:15

56:15

We’re stoked to be talking with our friend Chad Carson, aka Coach Carson, which is also where you can find him online: CoachCarson.com. We’ve known Chad for years now but just because this feels like a more casual conversation to us, that doesn’t mean that he’s not going to bring the heat! We tout the benefits of small-time real estate investing, b…

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Is Early Retirement A Smart Goal? (Bestie Ep) #1015 56:18

3M ago56:18

56:18

Cinderella is such an absurd story! Seriously, when you stop and think- it’s pretty messed up: a prince dances with a girl he’s never met before for one night, and then he sends his goons around town to find her so they can get married. There’s a reason you go on dates for at least a few weeks before proposing. You’ve gotta kick the tires and perfo…

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Overcoming Our Idiot Brains (Bestie Ep) #1014 53:29

3M ago53:29

53:29

Have you seen the meme of the guy on a bike who puts a stick in his spokes and then crashes? There are literally hundreds of different versions based on this goofy comic. For instance the first frame on one says “15 holes of good golf,” then followed by “my brain realizing I’m playing well,” as he puts the stick in the front wheel before writhing i…

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Food Stamps to Financial Freedom w/ Yanely Espinal (Bestie Ep) #1013 56:40

3M ago56:40

56:40

We’re joined today by Yanely Espinal, who is also known as MissBeHelpful in the online world of personal finance. Yanely was born in Brooklyn, she is a first generation daughter of immigrants, and even though she went to Brown University it didn’t take long for her to rack up over $20,000 in credit card debt. Academic performance doesn’t automatica…

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Biking is a Money & Life Hack (Bestie Ep) #1012 54:06

3M ago54:06

54:06

“Spend less than you make.” This is a maxim that is not only true but, if followed, will allow you to accomplish so many other goals that you might have in life. It’s a foundational concept. Similarly, we also think the same can be said for biking. Get this one thing right in your life- pedal your way to wherever you need to go, and so many other a…

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The Diminishing Returns of Frugality (Bestie Ep) #1011 54:43

3M ago54:43

54:43

Have you ever eaten so much dessert that you thought you might puke? Or maybe you find yourself at the end of a shopping spree with too many clothes in your closet than you could ever possibly wear? In both cases we’re talking about the diminishing marginal utility that we receive from each additional item we consume- the first cup of water after a…

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Life After Financial Independence w/ The Mad Fientist (Bestie Ep) #1010 49:10

3M ago49:10

49:10

We had the pleasure of sitting down with our friend Brandon Ganch, who is The Mad Fientist, while we were recently traveling in Scotland! Brandon started his career as a computer programmer but then quickly added blogger, podcaster, musician, and producer to his expanding list of pursuits and interests. This is a more casual conversation but listen…

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The Dirty Truth About Home Ownership (Bestie Ep) #1009 53:05

3M ago53:05

53:05

You’ve gotta wait 30 minutes to get back in the pool if you’ve eaten! Don’t pee in the pool- it’ll turn red! There are a lot of things we learned in childhood that we’ve likely discarded as false or at least irrelevant at this point. But there are probably some things we still believe because they were ingrained in our brain at an impressionable ag…

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Financial Pessimism Will Eat You Alive (Bestie Ep) #1008 51:12

3M ago51:12

51:12

Whether you saw some crazies doing it on TikTok or read about it in a fitness magazine, it seems like a lot of folks are giving ice baths a try. Evidently it’s supposed to be good for your health, but regardless, there are hordes of people who are intentionally soaking in ice cold water around the 55 degree range. Of course this goes completely cou…

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The Good Enough Job w/ Simone Stolzoff (Bestie Ep) #1007 55:05

4M ago55:05

55:05

“Work will always be work. Some people work doing what they love. Other people work so that they can do what they love when they’re not working. Neither is more noble.” This is a quote from Simone Stolzoff’s new book The Good Enough Job: Reclaiming Life From Work, that’s set to publish in a couple weeks. And regardless of where you fall on that spe…

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Money Gears: Ordering Your Money Decisions Properly (Bestie Ep) #1006 54:10

4M ago54:10

54:10

Over 1,000 years ago, somehow, the Vikings were able to sail from Norway to Greenland. Without relying on any special instruments or any rudimentary technology, they were even able to reach as far as North America! Evidently they relied on the polarization of the sky, whales or birds they came into contact with, and the color of the ocean- quite re…

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Financial Independence Exists on a Spectrum (Bestie Ep) #1005 50:15

4M ago50:15

50:15

Are you ‘credit card FI’ or are you ‘sabbatical FI?’ But maybe we’re getting ahead of ourselves… First, does anyone else remember the home run obsession back in 1998? In an attempt to beat the single-season record, home runs became the only metric that anyone watching baseball seemed to care about. But what’s interesting is that most MLB games aren…

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Use It Up, Wear It Out, Make It Do, or Do Without with Katy Wolk-Stanley (Bestie Ep) #1004 51:58

4M ago51:58

51:58

Everybody has heard of a consumer advocate before- someone who helps to make sure that individuals are getting the best deal possible. Or to make sure that the quality of the products is up to snuff. For instance think of Consumer Reports and the countless reporting and tests they perform on the different items we use as consumers. But you likely h…

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Butchering Your Grocery Bill (Bestie Ep) #1003 52:22

4M ago52:22

52:22

Do you know something that we’re all currently doing? Breathing. It’s something we rarely actively think about, but it turns out that there are ways to improve our technique- by breathing through our nose instead of our mouths, or by taking deeper slower breaths. Well we’re talking about another basic subject today: buying groceries. This elementar…