Angela Yee Cuts her mortgage payment in half by house hacking...

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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.

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3:53you know, and my mortgage is less than what my rent would be for something this size, three bedrooms, you know, two and a half bathrooms, a full backyard, brownstone. And so I think what you have to do is think of what a smart investment is to you. And if you're living here, you would have been paying rent somewhere else. And so to me, that's money you would have been spending anyway. And so the two family house or a three family house, if I would have had a three family house, it would have probably paid the whole mortgage. It was just coming up with that down payment. And so that's why I'm a big fan of having a goal of financially.

4:28Every month I have a goal of how much I want in my account for the next move I'm about to make. So I go really hard to reach it. And I've been doing really good at that. And so it helps me not because I used to be such a spend. I used to love to shop. Like I would be at the mall literally every week. You know, what can I buy? What can I get? But when you have goals like that, it makes you realize how unimportant that can be. and not that you can't treat yourself, but it'll be like, okay, I've hit this goal. I made this money. I have an extra$1 ,500. What am I going to do with it? You know, let me do something nice for myself.

5:00But I really do things like I'm really big on using points. I use my Amex cards for everything. And like, even I have a new house in Brooklyn that I'm renovating. I'm putting everything on my Amex card so I can get those points. And then I'll be buying furniture with the points that I got from using my Amex card. You know, when I travel, I always fly on Delta because I have so many free flights now that I can use and I get upgraded all the time because of my status on there. So I just try to do things that I know make sense for me. That's something that's extremely important. Shout out to him, 500.

5:33He's going to say that. A wise man told us that. He has like, you know, all this stuff, but he was like, he's not buying all this designer stuff. He spends$100 ,000 a month on Facebook ads and on his Amex cards and he gets like$7 ,000 reward points back. So at$7 ,000 reward points, he just goes to Neiman markets and just goes crazy. I bought my first Louis bag and my first Chanel bag with points on my MX card. Hold on. Let's not skip over the ad spend though. That's a gem in itself. Well, it is. We got to save that one in. That's a different one. That's a different one. But Angela, that's something that's extremely important as far as house hacking.

6:09I don't want people to breeze over that because Shout out to MG, the mortgage guy. We talked to him and he always talks about.

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8:48New year, new goals, and in this economy, a better money plan is more necessary than ever. I am Matt. And I'm Joel. We are from the How to Money podcast. And every week we help you to spend smarter, save more, and make sense of what's going on out there. If you want 2026 to be the year you finally feel in control of your money, we're here to give you the tools and advice to help you make it happen. Listen to How to Money on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. House hacking. House hacking is like when you live, like what she's doing. She's a two-family home. You live on one unit.

9:23You rent out the other unit or three-family or four-family, whatever. So I think it says it a lot when somebody, she's famous and she's humble enough to be living in a two family home, renting out the other part, cause she understands that it makes economic sense. A lot of us, like some people are struggling day to day and they got too much pride. And we're meant to sacrifice. To live with somebody else, right, right, right. Yeah, like, you know what I'm saying? So it's like, I don't want that to get missed in this conversation. Let alone you couldn't walk in the property before she had it. Yeah.

9:53Right, I didn't even see it. Like, no, that's a lot to think about if you really think about it. Like I said, it's not like she has to do that, but she understands the importance of it. And it's like, why not? Can we talk about balance? Me and Rashad, we go back and forth all the time about balance. He likes to have life unbalanced, just how he operates. I like to have balance. I'm listening to you. You're waking up at 4 a.m. Most people can't do that. That's dedication, right? Hall of Fame radio career, right? You have the real estate portfolio. You got the juice bars. You just said you got the coffee shop.

10:20people forget that you actually have a very successful podcast right lip service by the way we came to your live show we did come to excellent great show Davies was there 85 cell our brothers were there yeah what does balance look like for you um oh and the last thing I want to say is I did open a store in Detroit also a hair store a private label and I can't forget that I just opened that in January.

10:49No support. Yes. Thank you. It's not a mile in the Quinder baby. Come see us. Heavy in Detroit. Yeah. How do you manage this all? So balance for me is like, look, I've been working all day today. I know I have things that I have to do, but what I try to do is I always try to have one day out of the week during the week that I don't have a lot to do. So on that one day I might have like a couple of really light things. and that's when I handle stuff I need to handle for myself. And then on the weekend, I try to make sure one of those two days is not super busy for me also, because it is important to take a break.

11:24Like I try to make sure I get enough sleep. If I know I've been up working, I'll make sure like I'm going to bed at nine o 'clock on, you know, Thursday night because I plan it like I plan everything. My schedule is just super rigid and organized like down to the minute. And so, you know, that's it. And then a lot of times I try to mix business with pleasure as far as if I know I have some things to do and you know before there was a pandemic but if i know i had somewhere to be i'll invite some of my friends to come with me because i know they'll have a good time for me it might be work but for a lot of them it's fun and so that makes work fun for me when i have people that are fun around me there you have it sounds like our friends what's the biggest goal that you're trying to achieve over the next five years and how can we help you said what What's the biggest goal you're trying to achieve over the next five years and how can we help?

12:16So my biggest goal is for these businesses that I started, I want them to be right now. I'm in an investment stage of everything. I feel like, you know, except for the juice bar, which has been open for a few years now, but like with the hair store, I need that to, you know, start making money. And I mean, it makes money now, but I need to get the return on my investment For the coffee company, the goal for the coffee company is for me to be able to be in stores. And I have all these meetings with different supermarket chains coming up for that and for the press juice company. And so I want to make sure that those businesses are, you know, huge multimillion dollar, hundred million dollar businesses.

12:54And that's the goal for those. And then I'm going to franchise the coffee shops. And so I'm building it out so that it'll be franchisable so that other people can open their own. and we're doing a whole education program when it comes to coffee because there's a lot in the coffee business that people don't know about and every business that I do I try to make sure that I'm always educating myself on it and taking classes and like learning everything so that I become somewhat of an expert on it because I think it's the worst thing if you open a business and don't know anything about the business that you open I said Jim that is a gym ladies and gentlemen.

13:29Um, are we gonna take a question? We got to get up early. You got a couple more minutes. Can we try like a ask you segment? Yeah, let's do it. She's familiar with that. Let's do it. All right. Uh, let's go. Drew Grimes. We're not getting, we're not getting relationship advice. No relationship advice. You just said you've been unmuted. What's going on? How's it going? Um, my question is actually for, for you guys, it was about, um, opening up a Roth. So I just had my brother open up a Roth. But when I was looking up, um, Roth accounts on Investopedia, it was saying that it has to be earned, earned income and he doesn't work a job and he never has.

14:14So like, is he able to open up that Roth account? How old is he? Um, he's 19. I mean, yeah, they're not really going to check it like this. It's really for the miners. I mean, but yeah, it's supposed to be like, I mean, but how is he going to put money if he never had, if he doesn't work, you're going to put money in for him? Well, he has a bank. He has like a savings account with some money that he's made throughout his life. And we were just going to move that money into his ride. Yeah. I mean, to give you a, because every, the bigger we get a lot of people in the technical police are coming down on us at an alarming rate i put a post of caesar and they're like that's tax fraud he's gonna put you in jail so pay your taxes um yes yes it has to be earned income that you receive so i'm gonna give you the technical answer on this if you tell him that once he starts working then he can start putting money into his retirement account my graduates from my school being Forbes.

15:13Bag drop. Bag drop. F*** a mic drop. Bag drop. Bag drop.

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16:11Thank you.