NerdWallet's Smart Money Podcast - podcast cover

NerdWallet's Smart Money Podcast

NerdWallet Personal Financenerdwallet.com
NerdWallet’s trusted finance journalists answer real-world money questions to help you make smarter financial decisions with confidence. Each episode dives deep into topics like budgeting, saving, investing, home buying, and credit cards, cutting through misinformation to bring you clear, actionable advice backed by thorough research. By the end of every episode, you’ll have the latest financial insights and the tools you’ll need to manage your money wisely, build wealth, and plan for life’s milestones. Future You will thank you. Join hosts Sean Pyles, CFP®, Elizabeth Ayoola, and other expert Nerds as they answer your biggest money questions and share strategies to help you build wealth and reach your financial goals, including: – Investing: Advanced investment strategies, integrating ETFs and mutual funds into a diversified portfolio, tax-efficient retirement planning, understanding Roth IRA conversions, and navigating robo-advisors. – Credit Cards: Top credit cards for travel rewards and luxury perks, balance transfer strategies, maximizing credit card points, and optimizing credit card usage to boost your credit score. – Personal Finance: Advanced budgeting tips, building generational wealth, creating effective savings plans, managing high-income expenses, and developing a strong money growth mindset. – Home: Smart strategies for homebuying in competitive markets, leveraging home equity loans and HELOCs, refinancing for long-term savings, first-time homebuying tips, and budgeting for major home improvements. If you’re searching for the best personal finance podcasts or want practical knowledge to make smarter money decisions, then follow NerdWallet’s Smart Money Podcast. You’ll love NerdWallet’s Smart Money Podcast if you like podcasts like: Planet Money, The Personal Finance Podcast, DIY Money, Afford Anything, How to Money, The Ramsey Show, Money Rehab with Nicole Lapin, NPR’s Life Kit: Money, Popcorn Finance, Money Girl,Money Guy Show, Everyone’s Talkin’ Money, So Money with Farnoosh Tarabi, The Money with Katie Show, All the Hacks with Chris Hutchins, The Stacking Benjamins Show, MoneyWatch with Jill Schlesinger, or Your Money, Your Wealth. NerdWallet Compare, Inc. NMLS ID# 1617539 NMLS Consumer Access: http://www.nmlsconsumeraccess.org/

Episodes

Travel Tips, and Finding the Right Financial Advisors

Traveling during the holidays can be a drag, but it doesn’t have to be. To kick off this episode, Sean and Liz talk about recent trends in holiday travel. They also discuss how they are approaching holiday travel and how to get back in the swing if you’re a little rusty. Then they answer a listener’s money question about how to find the right financial advisors for their needs. Seeking qualified experts is only one part of the puzzle — you should also search for financial advisors who put your i...

Nov 29, 202133 min

Big Purchases, and Overcoming Money Guilt

On this episode, Liz starts off by talking with credit card Nerd Sara Rathner about how to manage a big expense on a credit card — including how to earn the most points and avoid paying interest. Then Sean joins Liz to answer a listener’s question about overcoming money guilt. To send the Nerds your money questions, call or text the NerdHotline at 901-730-6373 or email [email protected].

Nov 22, 202132 min

Holiday Shopping Trends, and Self-Employed Retirement Options

What’s your plan for holiday shopping this year? To kick off this episode, Sean and Liz talk about NerdWallet’s latest holiday shopping report, which explores how shoppers are navigating — and paying for — this unusual holiday season. They also discuss how they’re approaching shopping this year. Then they answer a listener’s question about retirement account options for self-employed workers. While these workers have a number of options to explore, the choice that is best for them may depend on ...

Nov 15, 202124 min

The Benefits of Being Boring with Your Money, and Why to Make a Will ASAP

Your money doesn’t have to be complicated or stressful. To start off this episode, Liz Weston and occasional co-host Sara Rathner discuss the benefits of being boring with your finances. Then, Liz and co-host Sean Pyles answer a listener’s question about whether to make a will, including why setting it up isn’t as complicated — or time consuming — as you might think. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Timestamps:...

Nov 08, 202130 min

3 Crypto Questions, and Improving Credit to Buy a House

With crypto back in the news, you might be tempted to climb aboard the hype train. To start this episode, Liz and Sean talk through 3 questions you should ask yourself before jumping into the world of crypto. Then, Sean and Liz answer a listener’s question about how to improve their credit with the goal of buying a house, including whether a balance transfer credit card would help. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]...

Nov 01, 202124 min

Holiday Shopping Scams, and Paying Off Law School Debt

Scammers are cooking up new ways to swindle your money from you. Two of their tactics this year? Social media ads and hyper-targeted emails. To start this episode, Sean and Liz talk about scams shoppers might encounter this holiday season and how to avoid them. Then they answer a listener’s question about how to pay off $200,000 in student loans. They also touch on the likelihood of student loan forgiveness and recent changes to the Public Service Loan Forgiveness program. To send the Nerds your...

Oct 25, 202126 min

What People Get Wrong About Credit, and Self-Employed Budgeting

Do you know the right way to manage your credit? To kick off this episode, Sean Pyles and Sara Rathner dig into a few common credit myths — and how people can confidently raise their credit. Then Sean and Sara answer a listener’s money question about how to get a grip on their budget with an irregular income. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Timestamps: This Week in Your Money segment: 0:00-9:15 Money question ...

Oct 18, 202125 min

School Supply Shopping Tips, and Breaking Bad Money Habits

With supply chain issues and uncertainty about whether classes will be in person, virtual or a hybrid, back-to-school shopping this year poses unique challenges. To start this episode, Sean Pyles and Sara Rathner give the Nerds’ favorite tips for how to save when buying school supplies. Then Sean and Sara answer a listener’s question about how to break bad money habits. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].

Aug 23, 202126 min

Home Affordability, and Unmarried Partners Buying a House

If you’re jumping into the housing market, know what you’re getting yourself into. This episode, Sean Pyles and Sara Rathner talk with NerdWallet data writer Liz Renter about her new home buying report, including how first-time home buyers should navigate the market. Then Sean and Liz Weston answer a listener’s question about how to buy a house with a partner when you’re not married. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwal

Aug 16, 202132 min

Job Scams, and Maxing Out Roth IRAs

More Americans are job hunting, but more are falling for job scams, too. Liz and Sean talk about how to spot and avoid scams in the job market right now. Then they answer a listener’s question about the best way to max out a Roth IRA. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].

Aug 09, 202120 min

Getting Ahead of Your Next Money Crisis with Michelle Singletary

It’s a matter of when — not if — you have a money crisis. No matter your financial circumstance, preparing for an emergency can help you make smart moves under pressure. This episode Liz and Sean talk with Washington Post personal finance columnist Michelle Singletary about how to manage a money crisis and how her experience as a Black woman informs her writing. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].

Aug 02, 202141 min

Health Insurance Deadline, and Getting the Best Car Insurance Rates

An important deadline looms for getting health insurance on the ACA exchanges. Liz and Sean discuss what you should know, even if you already have health insurance. Then they answer a listener’s question about how to find the best rates (and coverage) when shopping for car insurance. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].

Jul 26, 202125 min

Rethinking Credit Reporting, and Lightning Round Money Questions

Credit reporting is flawed. Liz and Sean discuss what the issues are and how they can be fixed. Then they answer a number of listener questions back to back in a lightning round of money questions, including managing taxes while working remotely and how to find a high yield savings account. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].

Jul 19, 202135 min

Combating Inflation, and Risks of Small Mortgage Lenders

Inflation is on the rise, as your budget has surely noticed. This episode, Sean talks with investing Nerd Alana Benson about what’s happening and what it means for your finances. Then Sean and Liz answer a listener’s question about the potential risks of going with a smaller mortgage lender. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].

Jul 12, 202121 min

Saving at the Pump, and 401(k) Limits

Rising gas prices got you down? On this episode, Sean and Liz break down how you can save at the pump, including how to find the best prices and how to manage your fuel efficiency. Then they answer a listener's question about 401(k) contribution limits. Visit www.nerdwallet.com/podcast for more info on this episode.

Jul 05, 202127 min

Midyear Money Check-In, and Managing Finances Abroad

How are your 2021 money goals coming along? Now that we’re halfway through the year, Sean and Liz talk about how to do a check-in on what you want from your money this year. Then they answer a listener’s question about how to manage their finances abroad, including how to save money on conversion rates and using credit cards strategically. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].

Jun 28, 202128 min

Savings Tips, and Updates to the Child Tax Credit

We all want to save more money, but actually doing it can be a challenge. This episode, Sean and Liz share their favorite tips to make saving easier, including how to save with purpose and how to trim expenses. Then they answer a listener’s question about changes to the Child Tax Credit, and whether that should influence FSA contributions. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].

Jun 21, 202122 min

When Travel Insurance Is Worth It, and Buying an Electric Car

With more travelers taking to the sky, should they be booking travel insurance? Liz and Sean discuss. Then they answer a listener’s money question about how to buy an electric car, including how to negotiate with salespeople and how to take advantage of financial incentives for electric vehicles. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].

Jun 14, 202127 min

Crypto-Earning Credit Cards, and Short-Term Investing

Credit cards are hopping aboard the crypto hype train, with some offering rewards in cryptocurrency. Sean, Liz and Sara discuss what they are and their risks. Then Sean and Liz answer a listener’s question about how to approach short-term investing. Also, please take a few seconds to fill out our two-question survey: http://bit.ly/nerdwallet-podcast-survey To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].

Jun 07, 202120 min

The Psychology of Debt, and When to Refinance

On this episode, Sean and Liz discuss the psychology of credit card debt — why some people see it as useful and others call it "evil." Then they answer a listener's question about whether now is a good time to refinance, even if they just got the mortgage last year. Send us your money questions! Email [email protected] or call or text the NerdHotline at 901-730-6373. And visit www.nerdwallet.com/podcast for more info.

May 31, 202128 min

Buy Now, Pay Later Loans, and Getting Started Building Wealth

You’ve probably seen the offers when shopping online: Break up your purchase into smaller payments over a few weeks or months. But are buy now, pay later loans a good deal? Sean and Liz break it down. Then they answer a listener’s question about how to get started building wealth. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].

May 24, 202125 min

Big Purchases, and Overcoming Money Guilt

On this episode, Liz starts off by talking with credit card Nerd Sara Rathner about how to manage a big expense on a credit card — including how to earn the most points and avoid paying interest. Then Sean joins Liz to answer a listener’s question about overcoming money guilt. To send the Nerds your money questions, call or text the NerdHotline at 901-730-6373 or email [email protected].

May 17, 202132 min

Free Health Insurance, and Finding Scholarships

Sean and Liz break down how to find out if you’re eligible for free or lower-cost health insurance under the American Rescue Plan. Then they answer a listener’s question about how to find scholarships and make higher education more affordable. To send the Nerds your money questions, call or text the NerdHotline at 901-730-6373 or email [email protected].

May 10, 202124 min

Pet Scams, and Buying Different Home Types

If you’re in the market for a new pet, scammers may have you in their sights. Sean and Liz talk about avoiding common pet scams. Then they answer a couple of listener questions about buying different home types, including new homes, existing homes, condos and more. To send the Nerds your money questions, call or text the NerdHotline at 901-730-6373 or email [email protected].

May 03, 202124 min

Air Travel, and Collections Accounts on Credit Reports

More travelers are taking to the sky as vaccines roll out. Sean and Liz discuss how to find affordable flights as ticket prices climb. Then they answer a listener’s question about how long a collections account stays on your credit report — and how to mitigate any damage to your credit score. Want the Nerds to answer your money question? Email [email protected] or call or text the NerdHotline at 901-730-6373. And visit www.nerdwallet.com/podcast for more info on this episode.

Apr 26, 202116 min

Cannabis Investing, and Too Much Cash

Cannabis investing — specifically in ETFs — might seem like a savvy move to break into a budding industry. But there are unique risks to investing in cannabis. Sean and Liz discuss the pros and cons with investing Nerd Chris Davis. Then they answer a listener’s money question about whether you can have too much cash in your accounts. To contact the Nerds, email [email protected] or call or text the NerdHotline at 901-730-6373. And visit www.nerdwallet.com/podcast for more info on this episo...

Apr 19, 202123 min

Retiring Early, and Finding Lost Money

More Americans are retiring early, but not all of them are doing it the right way. And you may have long-forgotten money waiting to be claimed — here's how to find it. To have your money question answered on a future episode, email [email protected] or call or text the NerdHotline at 901-730-6373. And visit www.nerdwallet.com/podcast for more info on this episode.

Apr 12, 202126 min

Pandemic Savings Goals, and Taxes on Inheritance

Find yourself saving more cash during the pandemic? On this episode, Sean talks with banking Nerd Chanelle Bessette about what people are doing with their pandemic-driven savings. Then, Liz and Sean answer a listener’s question about when you owe taxes on an inheritance. To have the Nerds answer your money questions, email [email protected] or call or text the NerdHotline at 901-730-6373. And visit www.nerdwallet.com/podcast for more info on this episode.

Apr 05, 202126 min

Spring Cleaning, and COVID Taxes

On this episode, Sean and Liz talk about how they’re approaching spring cleaning their finances this year, including tidying up their digital lives. Then, they answer a listener’s question about how to manage filing taxes in the age of COVID — including whether you owe taxes on your stimulus. To have the Nerds answer your money questions, email [email protected] or call or text the NerdHotline at 901-730-6373. And visit www.nerdwallet.com/podcast for more info on this episode.

Mar 29, 202124 min

Redlining, and the Credit Impact of Paying Off a Car Loan

On this episode, Sean talks with mortgage writer Linda Bell about the legacy of redlining and the racial wealth gap. Then, Liz and Sean answer a listener's question about whether to pay off a car loan early — and the potential impact on their credit. To have the Nerds answer your money questions, email [email protected] or call or text the NerdHotline at 901-730-6373. And visit www.nerdwallet.com/podcast for more info on this episode.

Mar 22, 202124 min