Let&rsquo;s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you&rsquo;d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at <a href="https://www.howtomoney.com/ask/">HowToMoney.com/ask</a> . Regardless of how random or bizarre you might think it is, we want to hear it! &nbsp; 1 - Home renovation: what factors did Matt consider when deciding to add on to his existing house? 2 - Credit cards: I want to cancel my oldest credit card, but how concerned should I be about dinging my credit score? 3 - Student loans: should I pay off my student loans or wait for forgiveness if I have the cash on hand to eliminate them? 4 - Medical expenses: could I fully subsidize my healthcare costs were I to aggressively invest my HSA dollars? &nbsp; Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: <ul> <li aria-level="1">Converting your primary into an investment property is one of the easiest ways to create some <a href="https://www.howtomoney.com/is-passive-income-a-myth/">semi-passive income</a>.&nbsp;</li> <li aria-level="1">I&rsquo;m not sure who needs to hear this but <a href="https://www.howtomoney.com/hsa-triple-tax-advantage/">Health Savings Accounts, or HSAs, are the ultimate retirement accounts.</a></li> <li aria-level="1">Knowing your &lsquo;money gear&rsquo; is a crucial part of your personal finance journey. <a href="https://www.howtomoney.com/start-here/">Start here.</a>&nbsp;</li> <li aria-level="1">Sign up for the weekly <a href="https://www.howtomoney.com/newsletter/">HTM newsletter</a>. It&rsquo;s fun, free, & practical.</li> <li aria-level="1">Join a thriving community of fellow money in the <a href="https://www.facebook.com/groups/1623670287732189">HTM Facebook group.</a></li> <li aria-level="1">Massively reduce your <a href="https://www.howtomoney.com/choosing-the-best-cheap-cell-phone-plan/">cell phone bill</a> each month by switching to a discount provider like Mint Mobile.</li> </ul> &nbsp; During this episode we enjoyed a Jeremy&rsquo;s Changed by Fonta Flora! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you&rsquo;re not already a regular listener, and <a href="https://podcasts.apple.com/us/podcast/how-to-money/id1337718773?mt=2">give us a quick review in Apple Podcasts</a> or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! &nbsp; Best friends out!See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.

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Ask HTM - Vital Home Reno or Moving Factors, Dropping Credit Without Dinging Your Score, & Student Loan Forgiveness or Payoff #1063

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