We really enjoyed our discussion with Joel, and covered a range of topics:How personal finances have such an impact on our entire lives, and he really enjoys seeing the impact his advice can have on people’s lives.He shares some personal stories about how we grew up with money and how it shaped his views and emotions around money.He doesn’t want money to be a contentious topic for people.  We’re willing to talk about almost anything except money.  How he ended up working for Clark Howard and all that he’s learned from him over the years.  He has no shame when it comes to the saving money game.  He’s improved his ability to let go of some things around saving money over the years.  How he and Matt have are adjusting during this quarantine, and that the How To Money podcast has now dedicated their Friday episodes to talking about quarantine topics.  The importance of being more intentional about finding ways to connect with your spouse during quarantine.  Frugality is making a comeback right now, and saving money matters so much more now than it did 3 months ago.  The only thing he’d change over the last 10+ years is to be more generous and have a healthier view of money earlier on, and he talked about how good it feels to see your money do good work for others around you.  ---Show ReferencesHow to Money on InstagramHow to Money Facebook Group - a great place for people to talk about money and ask questions---Follow friends on FIRETwitterInstagramFacebookLinkedInLeave us a voicemail or text us: 404-981-3370eMail us at:  friendsonfiremm@gmail.comVisit our website: www.friendsonfire.org---Other LinksMaggie’s Blog: Mostly Minimal LifeMike’s Book: Your New Relationship with Money