Libsyn Directory

How Not to Money with Joel Larsgaard

Release Date: 03/05/2025

Human Side of Fraud: Empathy, Education, & Evolution

Easy Prey

People used to think fraud was something that happened in the shadows, rare, distant, and mostly affecting big companies. But after talking to PJ Rohall, it’s clear that fraud is evolving fast, and it’s showing up in places most of us don’t even think to look. In this episode, I sit down with PJ Rohall, Head of Fraud Strategy and Education at SEON and co-founder of About Fraud. PJ’s work is all about staying ahead of scammers and helping businesses and individuals understand how fraud actually works. From synthetic identities and AI-powered scams to account takeovers and refund fraud,...

Identity Is The New Security Perimeter

Easy Prey

Sometimes it feels like every new technology we adopt comes with a new risk we didn’t see coming. From AI and data breaches to phishing scams and ransomware, it's clear we live in a time when cybersecurity isn’t just a tech issue, it’s a human issue. In this episode, I talk with Jeff Reich, Executive Director of the Identity Defined Security Alliance. Jeff has been in the cybersecurity world since the early days, with decades of experience helping organizations protect what matters most. His passion for identity security and risk management runs deep, and he brings a thoughtful...

Your Car Is Spying On You What It’s Collecting and Who It’s Telling

Easy Prey

I used to think of my car as just a tool to get from point A to point B. But after this conversation, I can’t help but see it as something else entirely, a powerful data collection device that knows far more about me than I realized. From where I go and who I text to how I drive and even what’s on my phone, today’s vehicles are gathering a staggering amount of personal information. In this episode, I talk with Andrea Amico, the founder of . Andrea is one of the leading voices in automotive data privacy and someone who’s spent years uncovering the hidden ways cars collect, store,...

Why Everyone’s A Target

Easy Prey

Some scams are so convincing, they’re almost impossible to spot. With phishing emails that look like they’re from your bank, deep fake videos that mimic real people, and AI-generated messages that feel personal, it’s getting harder to know what’s real and what’s a trap. In this episode, I sit down with Gabrielle Hempel, a security operations specialist at Exabeam and a current law student at Purdue University. Gabrielle brings a sharp perspective shaped by years in cybersecurity, a master’s in cybersecurity and global affairs from NYU, and hands-on experience navigating everything...

Child Exploitation Cyber Investigations

Easy Prey

Technology is a double-edged sword. It can empower us, connect us, and solve problems, but it can also be used to exploit, manipulate, and harm. When it comes to protecting children online, that line gets especially thin. Digital forensics, AI-powered image classification, and global law enforcement collaboration are now essential tools for keeping families safe in a world that moves faster than most of us can keep up. Debbie Garner knows this world intimately. She’s a retired Special Agent in charge with the Georgia Bureau of Investigation and former commander of the state’s Internet...

Reclaiming the Internet

Easy Prey

We may not always understand the evolution of the internet and how tech monopolies exist, but having digital freedom fighters is vital to making conscious change. Today's guest is Cory Doctorow. Cory is a science fiction author, activist, and journalist. He is the author of many books and most recently, Picks and Shovels, The Bezel, and The Lost Cause, a solar punk science fiction novel of hope amidst the climate change emergency. His most recent nonfiction book is the internet con How to Seize the Means of Corruption, a big tech disassembly manual. Other recent books include Red Team...

Security Gaps Hackers Exploit

Easy Prey

Scammers aren’t just phishing your inbox anymore—they’re impersonating your voice, your face, and even your coworkers. Deep fakes and social engineering have moved beyond clever tricks and become powerful tools that bad actors are using to infiltrate businesses, breach accounts, and dismantle trust at scale. What used to take a hacker hours and expensive tools can now be done in minutes by anyone with a Wi-Fi connection and a little malicious intent. Our guest today is Aaron Painter, CEO of Nametag, a company leading the charge in next-generation identity verification. Aaron’s...

Cyber Warfare

Easy Prey

Cyber warfare is no longer something that happens behind closed doors or in some far-off digital corner. It's happening now—and reshaping the rules of conflict in real time. Drone strikes controlled by apps, ransomware attacks on hospitals—today's battleground is just as likely to be online as on the ground. That science fiction scenario is now a critical, constant threat-the kind that affects us all globally. I'm really excited to introduce you to Dr. Chase Cunningham. He's a retired Navy chief cryptologist with a wealth of experience in cyber operations for the NSA, CIA, FBI—and more....

DDoS Attacks

Easy Prey

Scammers are getting smarter, understanding the psychology behind social engineering and the challenges companies face every day can help keep networks secure. This episode will show how to anticipate these threats and secure networks against ever-changing vulnerabilities. We’ll focus on practical, real-world solutions to protect data and trust. Dr. Jared Smith joins us to share his insights from his role leading research and development at SecurityScorecard. He also co-founded UnCat, a B2B accounting technology company serving thousands of customers and teaches as an adjunct professor at...

Safe AI Implementation

Easy Prey

Red models associated with AI technologies highlight real-world vulnerabilities and the importance of proactive security measures. It is vital to educate users about how to explore the challenges and keep AI systems secure. Today’s guest is Dr. Aditya Sood. Dr. Sood is the VP of Security Engineering and AI Strategy at Aryaka and is a security practitioner, researcher, and consultant with more than 16 years of experience. He obtained his PhD in computer science from Michigan State University and has authored several papers for various magazines and journals. In this conversation, he will shed...

More Episodes

Managing money isn’t about numbers, it's about making informed decisions that shape your future. Whether you’re a seasoned saver or just starting out on your financial journey understanding the basics of personal finance can make all the difference.

Today’s guest Joel Larsgaard has been helping people take control of their finances for over 15 years. As the co-host of How To Money and a weekly radio show Joel breaks down the often confusing world of personal finance. His passion for financial literacy comes from personal experience and he’s been recognized for his work including being on the Forbes Advisory Board.

In this episode we’ll cover common financial mistakes, smart saving strategies and how to avoid financial pitfalls so you can make better money decisions.

Show Notes:

[00:53] Joel co-hosts the How To Money podcast with his best buddy Matt. It's about helping people learn how to handle their finances well.
[01:29] So many people are missing the information they need about money, yet it's a tool that touches every aspect of our lives.
[02:32] Joel's parents had money troubles. He always wanted to learn about money so he wouldn't have problems. He also worked for Clark Howard who was a consumer advocate and money guy.
[05:30] Everyone has different dreams and financial goals.
[06:29] We learn Joel's scam story. A kid sold him fake Blockbuster gift cards.
[08:32] Common financial traps include not saving enough and not tracking expenses and knowing where the money is going.
[09:15] Knowing where your money is going is the first step to finding leaks.
[10:38] Using credit cards and discriminately buying now and paying later is another big pitfall. A lot of people are using BNPL on top of credit cards.
[12:04] You have to have a plan. Know your debts, know your interest rates. Where's the Gap where you can find extra savings?
[13:30] Paying off your debt feels amazing.
[14:58] Online budgeting software can make it easier.
[16:00] Think of a budget as not being restricted but something that helps you accomplish what you want.
[18:08] Once you write it down, you're dealing with reality.
[20:11] The joy of spending your money proactively on what you want and cutting back on other things.
[21:08] Finding savings by shopping for insurance yearly.
[22:56] You can also save with a defensive driving course.
[23:41] Look at subscriptions and bundling. Sign up with deals. Keep track of when you should cancel.
[28:11] Bank loyalty will cost you money.
[29:29] There are some highly competitive online savings accounts like CIT, Discover, and Ally.
[31:29] Be sure the online bank you are doing business with is FDIC insured. Make sure you're dealing directly with the bank.
[33:30] Tips for looking for legitimate investments. Simplicity trumps most things.
[34:59] Building wealth slowly with average returns.
[42:00] There are a lot of wealth building options open for people who aren't making a lot of money.

Thanks for joining us on Easy Prey. Be sure to subscribe to our podcast on iTunes and leave a nice review.

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