10 Money Moves That Will Change Your Life Forever

0:00This is an iHeart Podcast. Guaranteed Human.

0:32I gave her some suggestions to be sexually aroused. Can you get someone to join your cult? NLP was used on me to access my subconscious. Mind Games, a new podcast exploring NLP, a.k.a. neurolinguistic programming. Is it a self-help miracle, a shady hypnosis scam, or both? Listen to Mind Games on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. Hey, it's Joel. and Matt from HowToMoney. If your New Year's resolution is to finally get your finances in shape, we've got your back. Prices, they're still high, and the economy is all over the place. But 2026 is the year for you to get intentional and make real progress.

1:15That's right. Yeah, each week we break down what's happening with your money, the most important issues to focus on, and the small moves that make a big difference. Kick off the year with confidence. Listen to HowToMoney on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. This episode is brought to you by PNC Bank. A lot of people think podcasts about work are boring. And sure, they definitely can be. But understanding a professional's routine shows us how they achieve their success little by little, day after day. It's like banking with PNC Bank. It might seem boring to save, plan, and make calculated decisions with your bank.

1:53But keeping your money boring is what helps you live a more happily fulfilled life. PNC Bank, brilliantly boring since 1865. Brilliantly boring since 1865 is a service mark of the PNC Financial Service Group, Inc. PNC Bank, National Association member, FDIC. Earners, what's up? You ever walk into a small business and everything just works? Like the checkout is fast, the receipts are digital, tipping is a breeze, and you're out the door before the line even builds. Odds are they're using Square. We love supporting businesses that run on Square because it just feels seamless, whether it's a local coffee shop, a vendor at a pop-up market, or even one of our merch partners.

2:39Square makes it easy for them to take payments, manage inventory, and run their business with confidence, all from one simple system. If you're a business owner or even just thinking about launching something soon, square is hands down one of the best tools out there to help you start run and grow it's not just about payments it's about giving you time back so you can focus on what matters most ready to see how square can transform your business visit square.com backslash go backslash eyl to learn more that's square.com backslash go backslash eyl don't wait don't hesitate let square and handle the back end so you can keep pushing your vision forward.

3:22What are five things, like a mandatory five things that they have to do as far as their personal finance in regards to the stuff that we talk about? Number one, I love the debt snowball. So take off your smallest debt. Aim to pick that up first. Number two, pick two to four stocks that you're going to invest in for the next 10, 15 years of your life. Don't deviate from it. Number three, pick an amount that you are going to invest and don't deviate. Because sometimes people hear these numbers and like, well, I don't have 60 grand to put into the market. Start with 200. And then once you see the 200 go to four, you're going to find 1 ,000 or 1 ,500 to then put into that vehicle.

4:09um number three not to be self aggrandizing but to watch us every week because if you do that you're going to get a higher return on investment than if you watch all the shows if i made you money please put yes in chat love y 'all get the book you deserve to be rich uh number four find one or two people that you're going to have these conversations with it's like having a sparring partner or someone to work out with i i don't want you to lean on them for accountability but if like we've stuck together for five years and we kept telling y 'all we're going to stick together right we've grown collectively and individually as a result a lot of times i'll see people trying to do this on their own and because they don't have someone to lean on they don't stay in a game as long and then number five kill the lifestyle creep like i see too many of us get to that first hundred thousand first two hundred thousand and you get the blowing it on mike amiri and you want to talk to me about tariffs go shout to johnny dang i see a lot of y 'all come out here and go hit johnny dang and hey how do you discount because people have been coming i'm like i know it's fun to look like you have all the money in the world it's more fun to actually have the money in possession that's a fact that's a fact that was great that was great For me, it would be you have to secure your retirement.

5:30So you start to invest in your 401k, have an IRA. If you're self-employed, have a set plan. These are things that we talked about, but you got to have money for later on down the line. For sure. A forced savings that you don't even think about that is tax advantage where you're saving money on taxes. and you'll also be able to have a nest egg at some point in time in retirement because it's going to be here before you know it. So securing your retirement is a major thing. And then if you have kids, you got a plan for them. So we talk about 529 plan, which is how you can save money for college or you can have an UTMA account, which is how you can just save money for your child.

6:17In general, it doesn't necessarily have to be used for college, but you want to secure or start to have some level of security for them. So that's important. You can put money away the earlier you start, the better. Compounding interest, one of the things that Warren Buffett championed across the way. Life insurance, you have to make sure that you secure your life. Life insurance, we've had a lot of conversations about that, but if somebody's just starting out, that's a great thing to do for foundational purposes as far as your financial plan. I would say dollar cost average into the stock market every single month from a brokerage account.

6:55You can open a brokerage account, put 100, 200, 300, 500, whatever you can afford. Whatever you can afford. But when Ian says two tech, two index, you put together your strategy and you might have, okay, an S &P 500, I'm going to put$200 into that every single month. I'm going to put$200 into Microsoft every single month. Put money into the market in a brokerage account. Force yourself, force savings every single month. That's important. Outside of your retirement, two different things. Your retirement, what we call qualified, what's not a retirement is non-qualified. So non-qualified is just regular brokerage.

7:31You can use that money whenever. You don't have to wait until you're 59 and a half. But you want to do two things simultaneously. And then the last thing I would say is estate planning. Put together a will. If you're at the point where trust makes sense, make sure your beneficiaries, are listed. That's important. Those are five things. That's amazing. Especially the last one. For sure. If you're on your pathway, if you're just starting out, even if you haven't just started out, you want to just look to make sure you're doing things correctly. Retirement, college savings or just savings for your children in general, life insurance, dollar cost averaging to the stock market every single month, and then estate planning, make sure you have a will, a trust, put beneficiaries on things.

8:16Look to see if everything is set up. If you die today, will it be a mess? That's how you got to gauge this. If I die today, is it going to be a mess? Meaning when I say, is it going to be a mess? Is it going to be, how are they going to know what your passwords are? How are they going to know how to get into your bank account? How are they going to know where you have bank accounts at? How are they going to know? So what you should do is have a handbook where it's actually detailed and you put it with somebody that you trust your beneficiary your lawyer um so that way it's hard enough you die somebody's gonna have to make funeral arrangements but just think about that like you you're doing all the stuff you're acquiring all the stuff you've got properties over here if nobody knows about it yeah probate no man on your password or or or worst case scenario it can get forfeited or it's just not even it's just held there's billions of dollars that's just absolutely held in suspense right now because nobody's ever claimed it because nobody knows about it it's the property think about it crypto same thing if you got crypto nobody coinbase is not going to call your family like hey you got$50 ,000 in ethereum waiting for you what's your catchphrase 21 words i gotta think about it an illegal alien from guatemala charged with raping a child in Massachusetts, an MS-13 gang member from El Salvador accused of murdering a Texas man, a Venezuelan charged with filming and selling child pornography in Michigan.

9:43These are just some of the heinous migrant criminals caught because of President Donald J. Trump's leadership. I'm Kristi Noem, the United States Secretary of Homeland Security. Under President Trump, attempted illegal border crossings are at the lowest levels ever recorded. and over 100 ,000 illegal aliens have been arrested. If you are here illegally, you're next. You will be fined nearly$1 ,000 a day, imprisoned and deported. You will never return. But if you register using our CBP Home app and leave now, you could be allowed to return legally. Do what's right. Leave now. Under President Trump, America's laws, border, and families will be protected.

10:26Sponsored by the United States Department of Homeland Security. What if mind control is real? If you could control the behavior of anybody around you, what kind of life would you have? Can you hypnotically persuade someone to buy a car? When you look at your car, you're going to become overwhelmed with such good feelings. Can you hypnotize someone into sleeping with you? I gave her some suggestions to be sexually aroused. Can you get someone to join your cult? NLP was used on me to access my subconscious. Mind Games, a new podcast exploring NLP, a.k.a. neurolinguistic programming. Is it a self-help miracle, a shady hypnosis scam, or both?

11:03Listen to Mind Games on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

11:28the most important issues to focus on, and the small moves that make a big difference. Kick off the year with confidence, listen to How to Money on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. This show contains information subject to, but not limited to personal takes, rumors, not-so-accurate stats, and plenty more. What's up, man? This your boy, Nell Green, from the Broken Play Podcast. Look, it's the end of the season. The playoffs are here. But guess what? It ain't the end of your season. You can always tune in with Broken Play Podcast with Nav Green on the Black Effect Podcast Network.

12:00Not a team who ain't going to the playoffs. They're Chiefs. It's time to rebuild. Listen to Broken Play with Nav Green from the Black Effect Podcast Network on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. This is an iHeart Podcast. Guaranteed human.