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Winning Mindsets, Avoiding Gift Rush & 417% CC Interest Rates?! 🤯
Happy Tuesday, HTM family! Have you ever called the Peptoc Hotline when you’re having a bad day?… For those of you that don’t know: If you’re ever feeling sad, down, unmotivated, etc… Just pick up the...
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DIY Pumpkin Kegs, Getting Raises & Matched Cash Back! 💳
Happy morning, happy people! 😎 A quick poem to start the day… It rises,a glorious sun,if one can sit quite long enough,Seeing it, one feels… now I have everything,everything I couldever want.~ Hafiz...
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Tightwad Tips, Passport Backlog & End Of Life Plans ☠️
Good morning everyone!!! And Happy Halloween! 🎃 One of Bob Marley’s coolest sayings… “some people are so poor, all they have is money” Just a quick reminder… although we talk a lot about money tactics...
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Rich People Habits, Donating Stocks & Bye Bye Mint 😭
Happy Tuesday, HTM family! A common misunderstanding many humans possess is thinking they need to choose between their well-being or success. Like it’s either one or the other… Science tells us the...
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Pragmatic Money Rules, Companion Pass Hack & Enjoying The Present 🙋♂️
Good morning everyone! Today is Tuesday. And tomorrow, Tuesday will be gone… And in a few weeks, we’ll be in December. And in a few months, we’ll have freezing cold weather. And in a few years, we’ll...
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Practical Gifting, Streaming Hikes, & Avoiding Black Friday 🙅♂️
Dear everyone: It has come to our attention that some of you are planning to actually SPEND MONEY this Black Friday 🤮. Sooooo…. in order to distract you, we will be recording a LIVE podcast show...
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Discounts For Cash, Vetting Charities & Buying Happiness 👐
Happy #GivingTuesday everyone!! 👐 Now that Black Friday, Cyber Monday, Turkey Thursday, and Siesta Sunday (just made this up, but should we make it a thing?) are all over… it’s time to get back to...
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Free Return Cutbacks, Self Gifting & Less = More 🎁
Good morning and happy Tuesday y’all! Snapped this pic 👇👇👇 from the tightwad book I’ve been reading lately… It’s just a great reminder right now because sometimes the holiday season leads to...
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Financial Nudity, Record-Breaking Debt Stats, & Costco Overload 🫵
Good morning, beautiful people!! 🤩 When a storm brews, cows 🐄 can sense it coming so they run in the opposite direction… But the storm always catches up. Cows are constantly trying to outrun the...
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Negotiating Rents, Price Protections, & 2024 Market Mystics 🤦♀️
Good morning, wonderful people!! “The badass in me recognizes the badass in you” A few reminders in case you forgot: You are a smart worker You’re good at solving problems People look up to you And...
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Inflation Is Consuming Your Cash & New Year Saving Challenges 💪
Good morning! And welcome to the final newsletter of 2023… It’s been a killer year at HTM: We tasted and reviewed 104 new beers 🍺 The podcast had 8,016,759 new downloads 🎧 We added 133 new blog posts...
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Timing Your Showers, Automotive Money Pits, & Creating Systems For Success! 💪
Good morning, money nerds! 🤗 If you don’t have a theme or motto for 2024 yet, feel free to steal this one below… “Life shrinks or expands in proportion to one’s courage” – Anais Nin This year, I dare...
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Gettin’ WEIRD, Finding Lost Money & Low Hanging Financial Fruit 🍇
Good morning HTM family! Hands up if you’re filled with fresh motivation and determination to crush your 2024 financial goals!?!? 🙋♀️🙋♂️ Me too!!!! Just remember, big achievements take time –...
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Book Worms, Clutter Bugs & Getting 2% Better 🙌
Good morning, lovely people!!! If you have a roof over your head right now, look up and say “Thank you Mr. roof! You are awesome!” If you have food in your fridge right now, open it up and say “Good...
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Tax Ninjas, Happy Memos, & 401k Matching Magic ✨
Good morning, money nerds! It’s Tuesday today, a great day to… T rack your spending 🧮U pdate your budget 📝E at homemade meals 🍳S tart a fun side hustle 💸D eclutter your workspace 🏠A utomate your...
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Frugal Romance, Crazy Concert Costs, & You Doing YOU 💪
Morning, money tribe!! Would you let a stranger write your to-do list for the day? 📝 (Of course you wouldn’t. Because they don’t know anything about you and only you know what needs to get done...
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Savings Rates, Frugal Techies, and Toyota’s FTW 🚘
Happy Tuesday, money lovers! Here are some reasons why people fail when trying new things… It takes too long (so they quit) It’s too challenging (so they quit) People make fun of them (so they quit)...
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Facts > Feelings, Grocery Hacks & HTM Bingo! 🎱
Good morning, money lovers!! FEELING: I’m way behind financially… FACT: You’re probably doing way better than you think you are. Every dollar you are saving builds a stronger, wealthier, future you....
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Matching Majors, Flex Budgets, & Defending Your Dollars 🥷
Good morning, lovely souls! If you don’t create a routine, you will be assigned one. If you don’t create a purpose, you will be assigned one. If you don’t create a career, you will be assigned one. –...
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Munger A.I., Forever Renters, & Portfolio Dead Weight 👎
Good morning, HTM Family! [Hey Chat GPT: “Pretend you are the late Charlie Munger and write a short poem about what true wealth is in life and how to achieve it”]… ✨ In wealth’s pursuit, don’t lose...
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