Let’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’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 HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!

1 - Credit card no-nos: after getting a $900 welcome offer should I take advantage of one year of no interest?

2 - HSA: what’s the best way of keeping up with medical expenses so I can invest my HSA funds?

3 - 403b: should I participate in my 403b if I don’t think I’ll stay long enough to vest?

4 - Roth IRA: explainlikeimfive, how exactly do I invest in my Roth?!

5 - Medium term investing: is 2-3 years long enough to invest a down payment?

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Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Twin by Living Waters Brewing! 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’re not already a regular listener, and give us a quick review in Apple Podcasts 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!

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Ask HTM - Medium-Term Investing Conundrums, Naughty Credit Card Behavior, & Vapid Vesting Periods #1051

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