Let’s dive into 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 - My grandparents set me up with an UTMA… what should I do with that money?

2 - Are the student loan repayment calls I’m receiving, legit?

3 - I’ve realized paltry returns from my Betterment account… is it time to cut bait?

4 - What’s a good savings challenge to jumpstart my investing in the new year?

5 - Should unrest in the US push me to invest in gold?

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
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Join a thriving community of fellow money in the HTM Facebook group.
Find the best credit card for you with our new credit card tool!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed an Oatmeal Raisin Cookie Quad by Monday Night 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 - Gold in Times of Unrest, Potential Student Loan Repayment Scams, and Weak Robo-Advisor Returns #916

How to Money

Ask HTM - Gold in Times of Unrest, Potential Student Loan Repayment Scams, and Weak Robo-Advisor Returns #916