Personal Finance: An ancient practice could help improve your finances | Chattanooga Times Free Pres
Personal Finance: An ancient practice could help improve your finances | Chattanooga Times Free Press

Personal Finance: An ancient practice could help improve your finances | Chattanooga Times Free Press

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How to Save Money: 28 Ways

Nearly 2 in 5 employed Americans say they save less than 20% of their take-home pay. 10% of employed Americans don’t regularly save anything in a bank at all. See our guide to how to budget, try our free budget template or even grab a piece of paper to start saving. If you have extra income, that goal may be to save $2,000 in an individual retirement account this year. After you have a sizable amount, you can deposit it into your savings and watch your account grow.. Refinance your home and get a lower interest rate, which could save you several hundred dollars each month, since the interest rate is tied to your earnings. Lower your student loan payments, if you have student loans, and enrolling in income-driven repayment could lower your monthly payments to a manageable level since the payments are tied to the earnings, not the cost of the loan.. Set up automatic transfers from your checking account to your savings account each month (or via a company direct deposit), the money will accumulate over time.

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If saving money feels hard to do these days, with high prices and economic uncertainty, you’re not alone.

Nearly 2 in 5 employed Americans (39%) say they save less than 20% of their take-home pay, according to a new NerdWallet survey. And 10% of employed Americans say they don’t regularly save anything in a bank at all [0] View all sources NerdWallet . 2025 Savings Report . Accessed May 13, 2025.

Whether you want to start saving, or just stash a little more than you already do, we’re here for you. Below are 28 ways to save money:

Budget money to become a saver

1. Create a budget

One smart way to manage your money — and hopefully hold on to more of it — is to follow a budget, which means comparing your income and your expenses, then setting priorities for your spending. See our guide to how to budget, try our free budget template or even grab a piece of paper to start.

One method is the 50/30/20 budget for money management. This approach means devoting 50% of your after-tax income to necessities, 30% to wants and 20% to savings and any debt payments. If one of your allocations exceeds these percentages, you can make some adjustments elsewhere.

If this 50/30/20 breakdown doesn’t work for your financial situation, that’s OK. Another type of budget may work better, such as the 60/30/10 budget, or the envelope system, which has you set limits for various expenses.

2. Set savings goals

Set a specific and realistic goal, whether it’s big or small. If you have extra income, that goal may be to save $2,000 in an individual retirement account this year.

If you’re tackling debt, maybe you aim to pay an extra $50 toward your balance each month. Or, if money is tight, saving $5 per week can add up.

Use a savings goal calculator to see how much you’d have to save each month or year to reach your goal.

3. Track spending

Saving money is tough if you don’t know how much of it you’ve been spending in the first place. Keep track of your monthly cash flow — your income minus your expenditures.

This step will also make it easier to mark progress toward your savings goal. Many budget apps can help you track spending.

4. Count your coins and bills

Another option is setting aside your spare change each night. After you have a sizable amount, you can deposit it into your savings and watch your account grow.

In fact, when you want to watch your spending, it’s a good idea to use cash instead of credit cards because it can be harder to part with physical money. While this strategy won’t build savings overnight, it’s a solid approach for slow-and-steady growth.

5. Keep savings in a high-yield savings account

As you save, aim to put your accumulating funds in a high-yield savings account. That type of account earns an above-average interest rate on deposits, which can help your bank balance grow faster than with traditional options.

If you’re not approved for a savings account because of past banking issues, learn about second chance checking accounts.

6. Automate transfers

By setting up automatic transfers from your checking account to your savings account each month (or via a company direct deposit), the money will accumulate over time with little effort.

This technique can be especially useful when your savings accounts are dedicated to specific goals, such as establishing an emergency fund, paying off debt, going on a vacation or building a down payment.

Tackle debt to save on interest

7. Pay off high-interest debt

Debt payments can be a big burden on your overall budget. If you can pay off debt more quickly — by making extra payments or paying more toward the principal balance when you can — you’ll save on total interest paid and free yourself from that burden sooner.

If you can’t make extra payments right now, consider exploring ways to make money on the side that you can put toward your debt.

8. Lower your student loan payments

If you have student loans, enrolling in income-driven repayment could lower your monthly payments to a manageable level since the amount you pay is tied to your earnings.

Other options include refinancing student loans, enrolling in autopay to trigger a discount and making extra payments so you can unload the debt faster, which cuts the overall interest you’ll pay.

9. Refinance your mortgage

If you own a home and are able to get a lower interest rate, refinancing your mortgage could save you several hundred dollars each month. But it’s important to consider other factors, such as the current interest rates, if you’re trying to decide when to refinance a mortgage.

Use our mortgage refinance calculator to find out how much you could save. While refinancing comes with some initial costs upfront, they may be able to be recouped over time, once you start paying less each month.

Cut the cost of monthly bills

10. Prep for grocery shopping

A little work before you go to the grocery store can go a long way toward helping you save money on groceries. Check your pantry and make a shopping list to avoid impulse buying something you don’t need. Learn how to get coupons and join loyalty programs to maximize your savings as you shop.

11. Lower your TV and internet bills

Review what you’re spending on TV and internet — and if you need all that you’re buying. Do you watch the premium channels in the expensive cable package, for example? Do you use all the streaming services you have? Do you need the highest internet speeds?

You could lower your cable bill by as much as $40 per month by downsizing your cable package. Other options to consider are getting rid of cable, cutting some streaming services or premium subscriptions, or downgrading your internet plan.

Many cable and internet companies are willing to adjust pricing to keep you as a customer. Here’s a script that can help guide your phone call to your provider.

12. Switch to a cheaper cell phone plan

It might be time to change your cell phone plan to save some serious money. As you set out to find the best cell phone plan for your situation, you’ll want to consider network quality and whether a prepaid or postpaid plan is best for you.

When you’re ready to save, there’s probably a cheap cell phone plan out there that can meet your needs.

13. Reduce your electric bill

Big and small changes in your energy use can help you lower your electric bill. Consider plugging any insulation leaks in your home, using smart power strips, swapping in more energy-efficient appliances and switching to a smart thermostat.

Even incremental drops in your monthly electricity usage can add up to big savings in the long term.

14. Cancel unnecessary subscriptions

You might be paying for subscriptions you no longer use or need. Reviewing your credit card or bank statement carefully can help you flag any recurring expenses you can eliminate.

Avoid signing up for free trials that require payment information, or at least make a note or set a calendar reminder to cancel before the free period ends.

Save money when you shop

15. Map out major purchases

You can save by timing your purchases of appliances, furniture, cars, electronics and more according to annual sale periods. And if you’re an Amazon Prime member, you can check out Prime-exclusive sales in July and October.

It’s also worth confirming whether a deal is actually a deal by tracking prices over time. You can use a shopping browser extension to automate the deal-tracking and couponing process.

For example, the Camelizer extension from Camelcamelcamel makes it easy to view prices over time on Amazon, and the PayPal Honey extension will automatically find and apply coupons while you shop online.

16. Delay purchases with the 30-day rule

One way to avoid overspending is to give yourself a cooling-off period between the time an item catches your eye and when you actually make the purchase. The 30-day rule gives you more time to decide whether you really want or need the item.

If you’re shopping online, consider putting the item in your shopping cart and then walking away until you’ve had more time to think it over. (In some cases, you might even get a coupon code when the retailer notices you abandoned the cart.)

If 30 days seems like too long to wait, you can try shorter periods like a 24- or 48-hour delay.

17. Restrict online shopping

Making it more difficult to shop online may help you stop spending money on things you may not need. Instead of saving your billing information, opt to input your shipping address and credit card number each time you order.

You’ll probably make fewer impulse purchases because of the extra work involved. You may even consider deleting any shopping apps from your phone.

18. Stock up on household supplies when they’re cheap

It can feel like you’re constantly buying items like dishwashing soap, paper towels or toiletries. Track your inventory of household supplies and consider buying these items in bulk when they’re on sale.

It may be cheaper than rushing to buy them last-minute when they’re selling at full price. Using “Subscribe and Save” on Amazon can be a good way to get regular shipments of household supplies at a discount.

19. Shop consignment and thrift stores

Thrift and consignment stores sell previously owned items for less than they would be at a traditional store. At consignment shops, you could also bring in your own stuff to sell.

Whether buying at a consignment or thrift store, compare prices to ensure you’re getting a reasonable discount.

20. Get creative with gifts

You can save money with affordable gift ideas, like baking cookies, creating art or preparing someone dinner. You can also give someone the gift of your time by offering to take them to a free museum or event.

To plan for costs, create a calendar for all the important gift-giving events for the year. Then create a savings bucket specifically for gifts, and buy the items during major sale periods such as Prime Day or Black Friday.

21. Find ways to get free items

Programs such as The Freecycle Network and Buy Nothing groups make it easier to get items you need for free. You can exchange items locally for free with the goal of reducing waste and helping the environment.

Check for these opportunities on Nextdoor, Facebook Marketplace and Craigslist, too.

22. Cash in on your birthday

Once a year, set aside extra money by getting freebies and discounts on your birthday. You could get free food or rewards to redeem on clothing purchases.

We compiled a list of dozens of companies that offer birthday freebies.

Spend less money on transportation

23. Lower your car costs

Refinancing your auto loan could save you considerably over the life of your loan. Shopping around for car insurance can also help you cut costs compared with simply letting your current policy auto-renew.

You can cut ongoing car maintenance costs by driving less, removing heavy items from your trunk and avoiding unnecessary rapid acceleration.

24. Reduce your gas usage

You can’t control gas prices, but you can do several things to save on fuel, such as adhering to your car’s maintenance schedule and stacking errands to avoid unnecessary trips.

Try saving money by using a gas app when you do fill up.

25. Use car sharing services

If you need to rent a car, consider a rental car alternative, such as car-sharing services Turo or Getaround. Research to see if car-sharing services work out to be cheaper than larger rental companies.

If you don’t drive much, you may also find using car-sharing services are less expensive than owning a car or using taxis or ride-shares.

Find cheaper ways to be entertained

26. Minimize restaurant spending

One of the easiest expenses to cut is restaurant meals, since eating out tends to be pricier than cooking at home. If you do still want to eat at restaurants, try to reduce the frequency and take advantage restaurant rewards your credit cards may offer.

You can also opt for appetizers or split an entree with your dining companion to eat out on a budget. Skipping drinks and dessert can help stretch your budget as well.

27. Get discounts on entertainment

Take advantage of free days at museums and national parks to save on entertainment costs. Your local community might offer free concerts and other events. Check your local calendar before splurging on pricey tickets to private events.

You can also ask about discounts for older adults, teachers, students, military members or veterans, first responders and more.

28. Enjoy community events

Getting out and having new experiences can be expensive. Find free (or cheap) things to do in your community by checking listings at libraries, churches and websites such as Eventbrite. Or enter your city and “events” in a search engine to find some things to do.

If you have kids, community events can be an inexpensive way to keep little ones engaged and spend quality time together. For outdoor events, pack snacks and water to minimize the amount you spend on food.

If you need help saving money

If you’re budgeting and living frugally and still don’t have enough left to save, consider getting help.

Government. Government assistance programs may help you get discounts on utility bills, fund your food budget, offset child care expenses and more. Keep in mind that many of these government programs are available only to families considered to be low income.

Learn about what counts as low income and how to potentially get money from the government.

211. Visiting 211.org or calling 2-1-1 will connect you with local experts who can explain and potentially refer you to social service programs that may save you money. This confidential, 24/7 resource may help with expenses related to housing, health care, emergencies, crises and food.

Lenders and service providers. If you can’t pay your bill to a lender or service provider, call the company’s customer service line. Ask for help in the form of lowered or deferred payments, rebates, assistance programs or an alternative payment plan. Here’s exactly what to say when you call a utility company.

Source: Nerdwallet.com | View original article

How the federal election affects your finances

All the major parties are promising cuts to income tax. The Liberal Party has promised to lower the tax rate for the bottom income bracket by a single percentage point to 14%. The Conservatives have also vowed to boost working seniors’ tax-free earnings threshold to $34,000, up from around $24,000 currently. The New Democratic Party wants to ensure that Canadians who earn $19,500 or less per year pay no federal income tax whatsoever. The Green Party of Canada proposes to raise the basic personal amount to $40,000.

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Canadian issues: Income taxes

All the major parties are promising cuts to income tax. The Liberal Party has promised to lower the tax rate for the bottom income bracket (below $57,375 in 2025) by a single percentage point to 14%, offering an annual savings of about $400 per tax filer. This is big because it affects virtually all taxpayers.

Conservative Party leader Pierre Poilievre has pledged to cut the bottom-bracket tax rate to 12.75% from 15%. Conservative Party calculations put the average annual tax savings at $900, or $1,800 for a two-income family.

The Conservatives have also vowed to boost working seniors’ tax-free earnings threshold to $34,000, up from around $24,000 currently, and to enlarge the travel tax deduction available to trades workers above the current $4,000 limit.

The New Democratic Party wants to ensure that Canadians who earn $19,500 or less per year pay no federal income tax whatsoever. However, leader Jagmeet Singh announced the party intends to lower the basic personal amount—the threshold below which you pay no income tax—to $13,500 for Canadians in the top two tax brackets. (Currently, for the 2024 tax year, the basic personal amount is $15,705, and in 2025, it will be $16,129.)

The NDP also plans to double the Canada Disability Benefit (CDB)—slated to launch this July—from $2,400 to $4,800. The NDP also plans to reinstate the 67% inclusion rate on capital gains over $250,000 that was proposed in the 2024 Federal Budget and then abandoned by the Liberals in March 2025.

The Green Party of Canada proposes to raise the basic personal amount to $40,000. The party says this would put as much as $3,644 back into the pockets of taxpayers earning this amount or more this year.

Also read Income Tax Guide for Canadians Deadlines, tax tips and more read now

Canadian issues: Housing

The Liberals have already moved to eliminate the GST for first-time buyers of new homes priced under $1 million.

A Conservative government will waive the GST on new homes under $1.3 million for all buyers, Poilievre announced.

Source: Moneysense.ca | View original article

4 best money apps for teaching kids financial literacy

Digital budgeting tools now enable kids to experience real-world financial decisions. These digital tools do more than just track dollars. They create natural and often fun opportunities for families to discuss spending habits, savings goals and smart financial choices. With numerous family budgeting apps available, finding the right fit depends on your family’s needs and children’S ages. The best money apps for families are: BusyKid, Greenlight, FamZoo and Think Zoo, according to the experts at Parents.com. For more information on how to use these apps, visit parents.com/money-app-recommendations or call the National Association of Money Professionals at 1-800-273-8255 or go to www.nam.org/money. For confidential support on suicide matters call the Samaritans on 08457 90 90 90 or visit a local Samaritans branch, or see www.samaritans.org. For support in the U.S., go to the National Suicide Prevention Lifeline at 1 (800) 273-TALK (8255).

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Teaching kids about money has taken on new complexity in our digital age. While previous generations learned financial basics through piggy banks and cash allowances, today’s parents are turning to technology to help children understand modern money management and develop a better relationship with the screens they are so often glued to.

Digital budgeting tools now enable kids to experience real-world financial decisions — from setting savings goals to tracking spending — all under parental supervision. These digital tools do more than just track dollars. They create natural and often fun opportunities for families to discuss spending habits, savings goals and smart financial choices.

What to know about family money apps

As digital payments and online banking become the norm, traditional methods of teaching financial literacy need a refresh. Family money apps help bridge this gap, offering several advantages:

Encourage financial independence: These apps create a safe space for children to practice money management skills while parents maintain oversight. Kids can make real financial decisions — like choosing to save or spend their allowance — building practical knowledge through hands-on experience.

These apps create a safe space for children to practice money management skills while parents maintain oversight. Kids can make real financial decisions — like choosing to save or spend their allowance — building practical knowledge through hands-on experience. Build financial literacy: Many apps incorporate learning through interactive features, games and age-appropriate lessons that help children grasp key money concepts naturally.

Many apps incorporate learning through interactive features, games and age-appropriate lessons that help children grasp key money concepts naturally. Simplify allowance systems: Parents can easily manage allowances, set up chore rewards or help children budget their funds digitally, making the process simpler for both parents and kids.

Parents can easily manage allowances, set up chore rewards or help children budget their funds digitally, making the process simpler for both parents and kids. Offer learning opportunities: When parents can see their children’s spending patterns in real-time, it creates natural moments to discuss financial choices and guide better decisions.

When parents can see their children’s spending patterns in real-time, it creates natural moments to discuss financial choices and guide better decisions. Improve relationship with technology: Modern parents are constantly trying to peel their kids away from screens. However, money apps can create an engaging yet educational experience that begins to introduce your child to the idea that screens can be used for more than just video games and movies.

One of the most valuable aspects of these apps is how they turn abstract money concepts into tangible experiences. When children actively participate in decisions about saving, spending or donating their own money, they develop a deeper understanding of financial responsibility. This hands-on approach helps them grasp the real value of money and learn to set meaningful financial goals.

The best money apps for families

With numerous family budgeting apps available, finding the right fit depends on your family’s needs and children’s ages. Here’s a breakdown for parents to help narrow down the decision:

1. BusyKid — Best for allowance management

BusyKid takes a practical approach to teaching kids about earning money. The app connects chores with earnings, helping children understand the relationship between work and rewards. Beyond basic allowance tracking, BusyKid introduces children to real-world money management through its prepaid debit card option, which lets them use their earnings within parent-set boundaries.

Key features:

Clear tracking system for chores and allowance

Parent notifications for spending activity

Options for saving, spending or exploring basic investing

What stands out about BusyKid is its introduction to investing — children can learn about the stock market with real (but parent-supervised) investments. This early exposure to investing concepts helps kids understand ideas like long-term growth and financial risk in a controlled environment.

2. Greenlight — Best for teens

Greenlight strikes a balance between teenage independence and parental oversight. The app allows teens to develop financial decision-making skills while keeping parents in the loop. This approach works particularly well for families looking to give their teenagers more financial responsibility without removing safety nets entirely.

Key features:

Customizable spending controls, including store-specific limits

Instant transaction alerts and balance updates

Educational resources focused on teen financial literacy

The app’s investment features and comprehensive educational content make it particularly valuable for teens who are ready to learn about more advanced financial concepts, such as long-term savings strategies and investment basics.

3. FamZoo – Best for multiple children

Think of FamZoo as your family’s private banking system. The app excels at helping parents manage multiple children’s accounts while teaching everyone about household finances. Its straightforward approach makes it easier for families to create a unified system for allowances, savings and spending.

Key features:

Separate account tracking for each child

Flexible options for prepaid cards or digital IOU tracking

Customizable spending categories for different age groups

FamZoo’s strength lies in its ability to adapt to different family situations while maintaining consistent financial teaching. Its family-centered approach is perfect for households with more than one child, as it creates a team environment around budgeting and savings .

4. GoHenry — Best for financial education

GoHenry places learning at the forefront, making it particularly effective for younger children just starting their financial journey. The app combines practical money management tools with educational content that grows with your child.

Key features:

Age-appropriate financial lessons and quizzes

Adjustable parental controls

Real-time updates on spending activities

The app’s focus on building foundational money knowledge through interactive learning makes it especially valuable for families with younger children who are just beginning to understand financial concepts.

Key considerations for choosing the right app

Every family has unique financial teaching needs. Here’s what to consider when selecting an app that fits your household:

Age-appropriate design: Match the app’s features with your child’s understanding level. Younger children benefit from simple, visual interfaces focused on basic concepts, while teens need tools that can handle more complex financial decisions.

Match the app’s features with your child’s understanding level. Younger children benefit from simple, visual interfaces focused on basic concepts, while teens need tools that can handle more complex financial decisions. Cost and fees: While most family finance apps charge monthly or annual fees, their costs vary significantly. Consider whether premium features — like additional educational content or specialized debit card services — align with your family’s goals and budget.

While most family finance apps charge monthly or annual fees, their costs vary significantly. Consider whether premium features — like additional educational content or specialized services — align with your family’s goals and budget. Customization options: Look for apps with adjustable settings that can evolve with your child. Features like customizable chore lists, adjustable spending limits and expanding educational content help ensure the app remains useful as your child develops financial independence.

Look for apps with adjustable settings that can evolve with your child. Features like customizable chore lists, adjustable spending limits and expanding educational content help ensure the app remains useful as your child develops financial independence. Educational approach: Consider how each app teaches financial concepts. Some focus on learning through daily transactions, while others offer structured lessons about topics ranging from basic budgeting to understanding interest rates .

Consider how each app teaches financial concepts. Some focus on learning through daily transactions, while others offer structured lessons about topics ranging from basic budgeting to . Security features: Prioritize apps with robust security measures, including parent-controlled accounts and secure transaction monitoring, to ensure safe financial learning.

Encouraging financial conversations at home

While apps provide valuable tools, meaningful family discussions about money create lasting financial wisdom. Here are five natural ways to incorporate money talks into daily life:

Use everyday moments as teaching tools

Turn regular activities into learning opportunities. Whether you’re comparing prices at the grocery store or deciding on a family purchase, share your thinking process. These real-world scenarios help children connect financial decisions with actual outcomes.

Create shared financial goals

Work together on family savings projects, like planning a special trip or saving for a shared purchase. This collaborative approach shows children how individual choices contribute to larger financial goals and teaches the value of working together.

Support individual money goals

Help your children identify and work toward personal financial targets, whether saving for a special item or setting aside money for charity. Using family finance apps to visualize progress can make abstract concepts like delayed gratification more concrete.

Show financial responsibility in action

Children learn by example. Share appropriate financial decisions you make, explaining your thought process for saving, budgeting or planning larger purchases. When facing financial challenges, discuss them in age-appropriate ways to demonstrate realistic money management.

Make financial check-ins a routine

Set aside time each month for casual family discussions about finances. Keep these talks positive and age-appropriate, gradually introducing more sophisticated concepts as your children grow. These conversations help normalize money discussions and keep financial education an ongoing process.

The bottom line

Today’s digital-first world requires a fresh approach to teaching children about money. While family finance apps offer valuable tools for hands-on learning, they work best as part of a broader strategy that includes open discussions and real-world practice.

Success comes from finding the right balance — using digital tools to provide practical experience while maintaining active family conversations about money. By combining thoughtful app selection with regular financial discussions, parents can help their children develop the knowledge and confidence they need for lifelong financial well-being .

Frequently asked questions

What is the best age to teach financial literacy? Caret Down Icon The best age to begin teaching financial literacy can be as early as three to five years old. More generally, once your child starts to verbally express their wants and needs, they become an active participant in everyday transactions — and how you respond in those moments plays a key role in shaping their understanding of money and value. For example, if they want a chocolate bar, it’s important to show them that crying — a method that may have worked as a baby — is no longer effective. Instead, they can learn that completing chores or meeting other expectations helps them earn what they want. The financial literacy apps mentioned above can provide helpful structure as you guide your child through these lessons that may last a lifetime.

What is the 50/30/20 budget rule for kids? Caret Down Icon The 50/30/20 budget rule is a popular money management strategy that can be used by kids and adults alike. It suggests dividing your income into three categories: 50 percent for needs, 30 percent for wants and 20 percent for savings. For kids, this might look like setting aside half of their allowance for essentials like school supplies or lunch money, 30 percent for fun purchases like toys or treats, and 20 percent for future goals.

Source: Bankrate.com | View original article

9 Personal Finance Podcasts to Listen to in 2025

Financial podcasts can contain financial advice, personal stories, money news and Q&As with experts. “How to Money” is a good choice for anyone who is trying to get a handle on their finances. “The Money with Katie Show” addresses the financial questions and concerns that many people have. “ChooseFI” is short movement focused on optimizing finances so people don’t have to be tied to a job to have the financial independence they want. and “All the Hacks” is for people who want to pursue the financial goals they want but don’t have the money to do it. and “So Money with Farnoosh Torabi’s Money Briefing’ is for those who are looking for an eclectic mix of topics and expert interviews with people who know a lot about finance. and other topics that are not related to finance but also delves into other topics, such as the cost of being a working parent, the economics of diet culture and interviews with prominent names in finance and economics.

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Key Takeaways:

Podcasts can be streamed through services such as Spotify, Amazon Music and Apple Podcasts.

Financial podcasts can contain financial advice, personal stories, money news and Q&As with experts.

Some podcasts specialize in a specific financial niche while others cover more general topics.

The best financial podcasts feature engaging hosts and informative content.

The amount of financial content available online is staggering. Along with articles and videos, there are countless podcasts devoted to helping you pay off debt, invest wisely and retire comfortably.

Personal finance podcasts are available on apps such as Apple Podcasts and Google Podcasts or through music streaming services like Spotify and Amazon Music. Topics range from money basics to advanced investment strategies, and these podcasts can be formatted in various ways. They may feature listener questions, expert interviews or casual banter between hosts.

If you feel overwhelmed by the choices, here are nine top picks to get you started. Of course, which show you’ll like depends largely on your interests and preferred format.

“How to Money”

“The Money with Katie Show”

“Your Money, Your Wealth”

“ChooseFI”

“All the Hacks”

“Marriage Kids and Money”

“So Money with Farnoosh Torabi”

“Your Money Briefing”

“Money Life with Chuck Jaffe”

1. “How to Money”

Listen for: Money advice and information geared toward millennials.

Published as part of the iHeartPodcast Network, “How to Money” is a good choice for anyone who is trying to get a handle on their finances. Millennial friends Joel Larsgaard and Matt Altmix talk about issues such as navigating credit scores, negotiating a higher salary and buying a home, often while enjoying a beer together.

“How to Money” publishes multiple episodes a week, and most run between 30 to 60 minutes. Some shows are dedicated to answering listener questions or delving into a single topic, while others include special guests. For each Friday episode, Larsgaard and Altmix review the week’s financial headlines.

2. “The Money With Katie Show”

Listen for: Frank and fun discussions about various financial topics.

For an alternative to the “finance bros” found on some podcasts, try “The Money with Katie Show.” Katie Gatti Tassin hosts this weekly podcast that addresses the financial questions and concerns that many people have.

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“It’s geared toward women and approaches financial topics in a way that’s fun while focusing on the real issues people are facing,” says Anna Rice, who is founder of Alpine Marketing & Communications in Dillon, Colorado, and a regular listener.

“The Money With Katie Show” features episodes that run about 60 to 90 minutes and delve into topics such as the cost of being a working parent, the economics of diet culture and interviews with prominent names in finance and economics.

3. “Your Money, Your Wealth”

Listen for: A light-hearted take on retirement planning strategies.

Every Tuesday, Joe Anderson and “Big Al” Clopine release a new edition of the “Your Money, Your Wealth” podcast. The duo – a certified financial planner and a certified public accountant, respectively – field a variety of questions from listeners about retirement planning, from when to claim Social Security to whether to invest or pay off a mortgage early.

“We’re making fun out of finance,” Anderson says. “Just sitting around a little bar stool, shooting the breeze, spit-balling on our listeners’ financial questions.”

Usually clocking in at about 40 to 50 minutes, each episode takes a breezy and light approach to providing advice on the topic at hand. An expert often joins the duo to discuss the latest financial news. “We could be dry as all get out, but who would listen?” Anderson says.

4. “ChooseFI”

Listen for: Advice and inspiration to achieve financial independence.

FI, which is short for financial independence, is a movement focused on optimizing finances so people don’t have to be tied to a job to pursue the interests they want. In the “ChooseFI” podcast, host Brad Barrett and other guest hosts chat with a range of people who share their personal experiences while also discussing topics related to achieving financial independence.

Most episodes run from 45 to 60 minutes, and many feature guests. These include interviews with finance professionals as well as people who have achieved their own financial independence.

5. “All the Hacks”

Listen for: An eclectic mix of topics and expert interviews.

If you’re looking for a podcast that discusses personal finance but also delves into other topics, “All the Hacks” might be for you. Hosted by Chris Hutchins, this podcast covers everything from productivity to communication to travel. That’s in addition to discussions on investing, home buying and insurance, among other things.

“Chris is a great host and there’s usually an actionable takeaway I can use in my own life,” says personal finance writer Alene Laney. “Guests are interesting, and I find a lot of value in this podcast.”

Episodes are uploaded weekly and most run about an hour. Many feature interviews from travel, finance and health experts.

6. “Marriage Kids and Money”

Listen for: Financial content from a parent in the trenches.

Raising kids can add a wrinkle to money management, and the “Marriage Kids and Money” podcast addresses some of the special challenges faced by parents. However, much of the advice offered on this show can also apply to singles and couples without children.

Host Andy Hill has tackled topics ranging from paying off a mortgage early to becoming a young millionaire. Plus, there is advice on managing money as a couple and raising money-smart kids. Episodes run from 30 to 60 minutes, and many episodes include expert interviews.

7. “So Money With Farnoosh Torabi”

Listen for: Big-picture discussion about financial topics.

With more than 1,800 podcast episodes under her belt, financial expert and author Farnoosh Torabi has plenty of shows about everyday topics such as buying a house and saving for college.

However, “So Money” really sets itself apart from other podcasts in its willingness to have deeper discussions about the financial landscape. There are episodes, for example, dedicated to preparing your finances for tariffs, the emotional toll of high performance and the student loan crisis.

Each week, the host publishes an episode dedicated to answering reader questions. While “So Money” packs a lot of content into its episodes, they run only about 30 minutes, which makes them easy to fit into a busy schedule.

8. “Your Money Briefing”

Listen for: Short and sweet explanations of economic and finance topics.

Produced by The Wall Street Journal, “Your Money Briefing” tackles a different topic every day. In 10 minutes or less, host J.R. Whalen talks with Wall Street Journal reporters and other experts to address issues such as inflation, student loans and job hunting.

A new episode comes out every weekday, and recent topics have included why it’s a bad idea to cheat on taxes, what people need to know about Real ID and how to buy a home this year.

9. “Money Life With Chuck Jaffe”

Listen for: Economic analysis from financial experts.

A version of “Money Life with Chuck Jaffe” has been around since before podcasts were even a thing. Chuck Jaffe, a financial columnist, hosted a radio show of the same name in the early 2000s before launching the current show online in 2012.

Source: Money.usnews.com | View original article

Source: https://www.timesfreepress.com/news/2025/jul/19/personal-finance-an-ancient-practice-could-help/

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