Ask HTM - Societal Impact of Credit Card Fees, Auto Transfer vs Auto Invest, & Shielding Your Credit Report from a Bill in Collections #1165 (Bestie Ep)

Ask HTM - Societal Impact of Credit Card Fees, Auto Transfer vs Auto Invest, & Shielding Your Credit Report from a Bill in Collections #1165 (Bestie Ep)

July 13, 2026 · 51 min · Episode 1165

About this episode

The episode answers listener questions about credit card fees, Roth IRA investments, credit report management, and life insurance considerations.

We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!   1 - I have a recurring transfer to my Roth IRA but is that money actually invested? 2 - How do I keep a bill in collections from hitting my credit report? 3 - Should my life insurance death benefit be based on my outstanding debts or on a multiple of my annual income? 4 - If the societal impact of credit card fees are so negative, shouldn’t we avoid using them altogether?   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter . It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to…

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Host: Unknown

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Organizations: HowToMoney.com, Bold Monk

Products: Walk on Water White

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