While Joel Larsgaard had to watch his parents declare bankruptcy, Matt Altmix grew up in a financially healthy family where money was discussed. They met as adults and became best friends, bonding over real estate investing, personal finance, and craft beer. When they saw a need for a casual personal finance show, they launched How to Money, a podcast that has now been downloaded more than 40 million times over the past few years. In this episode, Joel and Matt share their best tips and tricks for staying ahead of your finances. Joel Larsgaard is a former senior radio producer on the nationally syndicated Clark Howard Show. In pursuit of his dream to achieve financial freedom, he started working young and now manages a modest real estate portfolio. Matt Altmix is a former wedding photographer and business owner. Before switching to photography, he worked in the advertising space as a designer. Matt also manages several investment properties. In this episode, Hala, Joel, and Matt will discuss: - The origin story of Joel & Matt's podcast - Why millennials are saving less - Spending triggers and how to avoid them - The 48-hour rule and other tips for curbing impulse buying - The danger of the ‘buy now, pay later’ system - How to improve your credit scores - Tips and tricks to spend less and save more - Homeownership vs. renting - And other topics…   Joel Larsgaard is a former senior radio producer on the nationally syndicated Clark Howard Show. He started working young, first mowing lawns, then doing a three-hour shift at the Chick-fil-A across from his high school. He made only $24,000 a year at his first job in radio but saved up 20% to put down on his first house. In pursuit of his dream of achieving financial freedom, he became a part-time landlord with a modest real estate portfolio of seven properties in Atlanta. Matt Altmix is a former wedding photographer turned full-time podcast host. Before switching to photography, he worked in the advertising space as a designer. While in school, he and his wife shared dreams of starting their own businesses. After they got married, they started Altmix Photography, running it together until Matt decided to focus on podcasting full-time. Matt also manages several investment properties. Resources Mentioned: Joel’s Twitter: https://twitter.com/HowToMoneyJoel  Joel’s LinkedIn: https://www.linkedin.com/in/joel-larsgaard-70175566/  Matt’s Twitter: https://twitter.com/HowToMoneyMatt  Matt’s LinkedIn:https://www.linkedin.com/in/matthew-altmix-989161a/  How to Money Website: https://www.howtomoney.com/  How to Money Twitter: https://twitter.com/HowToMoneyPod  How to Money Instagram: https://www.instagram.com/howtomoneypod/  How to Money Facebook: https://www.facebook.com/groups/1623670287732189  How to Money Podcast: https://podcasts.apple.com/us/podcast/how-to-money/id1337718773   LinkedIn Secrets Masterclass, Have Job Security For Life: Use code ‘podcast’ for 30% off at yapmedia.io/course.     Sponsored By: Shopify - Sign up for a one-dollar-per-month trial period at youngandprofiting.co/shopify Justworks - Start your free month now at justworks.com/profiting Indeed - Get a $75 job credit at indeed.com/profiting Airbnb - Your home might be worth more than you think. Find out how much at airbnb.com/host Porkbun - Get your .bio domain and link in bio bundle for just $5 from Porkbun at porkbun.com/Profiting     More About Young and Profiting Download Transcripts - youngandprofiting.com Get Sponsorship Deals - youngandprofiting.com/sponsorships Leave a Review - ratethispodcast.com/yap Watch Videos - youtube.com/c/YoungandProfiting   Follow Hala Taha LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ TikTok - tiktok.com/@yapwithhala Twitter - twitter.com/yapwithhala   Learn more about YAP Media Agency Services - yapmedia.io/