Get fall-ready with budgeting tips and strategies for diversifying your investment portfolio to achieve financial goals. How can you reset your finances for fall and prepare for the holiday season? Can you grow an undiversified investment portfolio by $28,000 over seven years without additional contributions? Hosts Sean Pyles and Sara Rathner discuss seasonal budgeting and investment diversification to help you understand how to effectively manage your money during the fall season and optimize your investment strategies for long-term growth. They begin with a discussion of preparing your finances for fall, with tips and tricks on reviewing your summer spending, adjusting savings goals for the holidays, and early holiday planning. Then, Smart Money cohost Elizabeth Ayoola joins Sean and Sara to help answer a listener?s question about how they can diversify their investment portfolio to reach a savings goal of $28,000 over four years. They discuss the importance of mitigating risks through diversification, real-life cautionary tales of emotional attachment to investments, and the complexities of assessing stock performance.  Use NerdWallet?s free investment calculator to estimate how much your investments or savings will compound over time, based on factors like how much you plan to save or invest, your initial deposit and your expected rate of return: https://www.nerdwallet.com/calculator/investment-calculator  In their conversation, the Nerds discuss: fall financial strategies, smart portfolio management, resetting your finances, mastering investment diversification, smart investing tips, fall financial check-up, portfolio diversification, preparing your wallet for autumn, investing wisely, seasonal budgeting, creating a balanced portfolio, assessing financial goals, holiday season financial planning, estimating investment growth, long-term portfolio growth, familiarity bias, emotional attachment to investments, stock performance assessment, avoiding investment pitfalls, financial success, fall budgeting tips, early holiday planning, holiday travel arrangements, financial stability, open enrollment, healthcare options, beneficiary designations, and retirement accounts. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn expert tips and tricks for saving money on holiday travel booking, from the best time to book to when you should use rewards points. When should you book your holiday travel? How can you save money on travel during the busiest travel season? Hosts Sean Pyles and Meghan Coyle talk to travel rewards Nerd Sam Kemmis about how to save money when booking holiday travel, with tips and tricks on using companion fares, the optimal time to book holiday flights, and understanding the fine print of airline programs. They also discuss the challenges and benefits of standby flights, the value of subscribing to flight deal newsletters, and the advantages of using credit card points and transferring them to partner airlines. By exploring these topics, the hosts aim to provide listeners with actionable advice to make holiday travel more affordable and less stressful. Check out NerdWallet?s roundup of the 16 Best Travel Credit Cards of September 2024: https://www.nerdwallet.com/best/credit-cards/travel  In their conversation, the Nerds discuss: holiday travel tips, budget travel, travel savings, cheap flights, holiday travel deals, affordable holiday travel, companion fares, Alaska Airlines, credit card points, holiday airfare, hotel deals, flight deal newsletters, Thanksgiving travel, flexible travel plans, standby flights, holiday travel booking, holiday travel strategies, travel on a budget, holiday travel expenses, holiday season travel, slashing travel costs, save money on travel, holiday travel flexibility, travel credit cards, international travel deals, Google Flights, spontaneous travel options, travel savings tips, avoiding holiday travel costs, affordable festive getaways, cheaper holiday trips, holiday travel experiences, travel rewards programs, and holiday flight deals. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn why the economy feels worse than the data suggests, and what the latest jobs report means for interest rates. Why do people feel negative about the economy even when the data says it?s doing well? How could upcoming changes to interest rates affect your personal finances? Hosts Sean Pyles and Anna Helhoski dive into the latest job market data and discuss why it?s so hard to tell whether the economy is doing well or not. Joined by NerdWallet Senior Economist Elizabeth Renter, they unpack the mixed messaging in headlines, explain why consumer sentiment doesn?t always align with economic data, and give an inside look into what the latest numbers mean for the future of interest rates. If you?ve ever wondered why good numbers sometimes still feel bad, then this episode is for you.  After their deep dive into the economy, Sean and Anna break down the latest money headlines, including Apple's newest product unveilings, why you may want to think twice before upgrading your gadgets, and how more people are joining the ranks of 401k millionaires. Are you on track for your golden years? NerdWallet?s retirement calculator can help you make a plan to reach your savings goals: https://www.nerdwallet.com/calculator/retirement-calculator  In their conversation, the Nerds discuss: economic data, consumer sentiment, jobs report, interest rates, Federal Reserve, inflation, economic news, job market, 401k savings, Apple product launch, unemployment rate, stock market, economic growth, recession, financial planning, personal finance, retirement savings, labor market, wage growth, inflation rates, money management, federal interest rates, Apple iPhone, economic forecast, economic trends, money headlines, and job growth. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

A certified financial planner offers a listener actionable advice to help him save for a big move while maintaining financial stability. How much should you save before you move to a new city? How can you reach your savings goals while also spending on your lifestyle? Recording in-person from a studio in Chicago, host Sean Pyles sits down with Magda Doemeny, a certified financial planner with NerdWallet Advisors, to host an actual financial planning session with a listener. Jim, a 36-year-old nonprofit worker, joins them to share his aspirations of moving to a higher cost-of-living area without a job lined up. Magda advises him on how much money in living expenses he should consider saving before making the move, the practicality of high-yield savings accounts, and the benefits and limitations of using a Roth IRA for a down payment, among other practical strategies for reaching his goals while maintaining financial stability. NerdWallet Advisory LLC, dba NerdWallet Advisors, is an SEC-registered investment advisor and wholly owned subsidiary of NerdWallet Inc. The advice provided in this episode of Smart Money was for illustrative purposes only and not intended as financial or investment advice specific to your personal facts or circumstances. In their conversation, you?ll hear about: smart financial planning, major life transitions, certified financial planners, financial stability, dream relocation, higher cost of living, Roth IRA for a down payment, high-yield savings accounts, budgeting tips, saving for relocation, emergency savings, long-term financial health, actionable financial strategies, transportation costs, retirement savings adjustments, financial goals, balancing life changes, moving to San Diego, cost of living, clear financial goals, financial risks, increasing income, trimming expenses, side gigs, prioritizing savings goals, healthcare coverage costs, affordable financial planning, financial plan, setting financial goals, car purchase planning, and moving expenses. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Get insider tips for stress-free holiday travel, from booking strategies to maximizing credit card points and more. What?s the best way to avoid stress when traveling during the holidays? Is it better to book with points when you?re traveling for the holidays? Hosts Sean Pyles and Meghan Coyle discuss the challenges of holiday travel and share effective booking strategies to help you understand how to navigate the busiest travel days with ease and efficiency. Travel Nerd Sally French joins them to discuss common holiday travel hurdles, including the benefits of early morning flights, the advantages of extending holiday trips to avoid peak travel days, and strategies for using travel points and rewards effectively during the holidays. They also explore the perks of lounge access, the efficiency of TSA PreCheck, and clever ways to use travel points during peak seasons. Check out NerdWallet?s roundup of the 16 Best Travel Credit Cards of September 2024: https://www.nerdwallet.com/best/credit-cards/travel  In their conversation, the Nerds discuss: holiday travel tips, stress-free holiday travel, best time to book flights, maximize credit card points, TSA PreCheck benefits, lounge access perks, avoid flight cancellations, early morning flights, busiest travel days, holiday staycation, travel strategies, Southwest flight credits, holiday travel chaos, extend holiday trips, travel trends 2024, holiday travel season, travel points usage, travel delays, layover tips, airline reliability, Google Flights alerts, avoiding holiday crowds, booking smarter, record-breaking travel, holiday flight booking, travel tips and tricks, avoiding holiday rush, sentimental holiday travel, Thanksgiving travel tips, Christmas travel tips, booking refundable flights, holiday travel planning, navigating TSA lines, airport lounge benefits, travel rewards strategies, flying on holidays, travel stories, and 2024 holiday travel outlook. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn about new real estate commission rules and how they impact home buyers, sellers, and the future of agent fees. How will real estate commissions work following the National Association of Realtors settlement? What do post-NAR rules mean for home buyers and sellers? Hosts Sean Pyles and Anna Helhoski break down the new real estate commission rules that recently came into effect following a landmark lawsuit against the National Association of Realtors. Holden Lewis, NerdWallet?s home and mortgage expert, joins the discussion to explain the recent changes, what they mean for the industry, and how they could affect your next real estate transaction. In their conversation, the Nerds discuss: real estate commissions, real estate commission rules, real estate agent fees, real estate commission changes, buyer's agent commission, seller's agent commission, real estate lawsuits, real estate settlement, real estate market changes, commission negotiations, buying a house, selling a house, real estate commission lawsuit, MLS rules, real estate industry news, real estate trends, real estate legal changes, commission rules, real estate commissions explained, real estate agent compensation, new real estate laws, and real estate regulations. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Writer, producer, and actor Felicia Day shares her financial journey working in Hollywood, with tips for managing your budget when gigs are inconsistent. What is your time worth? How do you value your time outside of work?  How can you manage finances in an unpredictable career like acting?  Hosts Sean Pyles and Sara Rathner discuss the concept of time valuation to help you understand how to balance personal worth against income. They begin with a discussion of time valuation, offering insights on the average hourly value people place on their time, the impact of this valuation on life decisions and assessing the value of unpaid personal tasks.  06:10 Interview with Felicia Day Sean speaks with Felicia Day about the financial strategies she employed to maintain an unstable career in Hollywood. They tackle topics such as frugal habits, the significance of diversifying one's portfolio for career longevity and aligning creative passions with financial stability. Plus: How to understand the financial education that you may have received even without having ever been given a formal financial education. In their conversation, the Nerds discuss: Hollywood finances, managing finances, acting career, freelancing lifestyle, financial strategies, financial acumen, Hollywood journey, value of time, budgeting tactics, work-life balance, career growth, financial stability, creative careers, personal well-being, professional satisfaction, financial security, generational differences, personal time investment, freelancing finances, unstable careers, diversifying skills, frugality, budgeting skills, theoretical mathematics, content creation, business acumen, media industry, creative fulfillment, career shifts, entrepreneurial leaps, work-life harmony, managing a budget, career resilience, and skills diversification. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Understand how first-gen Americans can achieve financial success with tips for balancing cultural obligations and wealth-building strategies. How can first-generation Americans grow their wealth and protect their money? How can you set financial boundaries with family and friends while staying committed to your long-term financial goals? Hosts Sean Pyles and Kim Palmer discuss the unique financial challenges faced by first-generation Americans and immigrant families to help you understand strategies for achieving financial independence. They begin with a discussion of tips and tricks on managing dual financial pressures of supporting oneself and one's parents and breaking cycles of poverty through self-compassion and financial education. Jannese Torres, host of the personal finance podcast Yo Quiero Dinero, joins Kim to discuss the importance of building a strong financial support network tailored to individual needs. They discuss strategies for identifying trustworthy financial advisors, setting and maintaining financial boundaries with family and friends, and gracefully declining costly invitations in favor of ensuring long-term financial success. This episode is essential listening for anyone navigating cultural and familial obligations while striving for financial independence. In their conversation, the Nerds discuss: financial success, first-generation Americans, wealth building strategies, Jannese Torres, mastering money, immigrant families, navigating financial challenges, first-gen success, building wealth, immigrant stories, financial freedom, new Americans, supporting family, financial goals, empowering immigrant communities, financial literacy, actionable advice, cultural responsibilities, retirement savings, breaking cycles of poverty, self-compassion, financial stability, culturally competent education, financial trauma, financial support network, trustworthy advisors, financial boundaries, costly events, long-term financial success, multiple income streams, personal finance, and money beliefs. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn how the National Public Data breach could affect you and what actions you can take after a major data breach occurs. What should you do after a major data breach? How can you secure your data from unscrupulous data brokers? Hosts Sean Pyles and Anna Helhoski discuss the alarming security breach at National Public Data with investigative journalist Bob Sullivan, exploring the implications of the breach and providing actionable tips on how to protect your personal information from future threats. Then, Sean and Anna discuss the latest money headlines, including Fed interest rates, the turbulent real estate market?s challenges posed by high mortgage rates and rising home prices, and the antitrust lawsuit against RealPage for alleged price-fixing in the rental market.  Use NerdWallet?s ?How much house can I afford?? calculator: https://www.nerdwallet.com/mortgages/how-much-house-can-i-afford/calculate-affordability  In their conversation, the Nerds discuss: National Public Data breach, Social Security number protection, credit monitoring, interest rate cut, Fed interest rates, housing market trends, mortgage rates, home affordability, real estate market, rent increase, rental market, antitrust lawsuit, financial security, cybersecurity, credit score impact, data protection, mortgage tips, home buying tips, housing prices, RealPage lawsuit, rental software, property management, interest rate prediction, inflation impact, homeownership, financial planning, identity theft, security breach, class action lawsuit, credit report, credit freeze, housing market forecast, fed policy, real estate tips, housing affordability, mortgage rates 2024, and rental prices. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].

A CFP helps a listener turn financial anxiety into actionable steps for budgeting, investing, and achieving financial peace of mind. How can you be more comfortable spending money? What are strategies for combating financial anxiety? Host Sean Pyles sits in on a live financial planning session where Magda Doemeny, a certified financial planner from the NerdWallet Advisors platform, gives a listener (also named Sean) specific advice to reduce anxiety around their finances (advice given on behalf of Nerdwallet Advisors, not NerdWallet). They begin with a discussion of Sean's personal financial journey before Magda offers tips and tricks on setting clear short to medium-term goals, compartmentalizing savings to reduce stress, and understanding the risks and rewards of investing. She recommends actionable steps for helping him enjoy his money more without needing to stress over where every dollar is spent. ??NerdWallet Advisory LLC (dba NerdWallet Advisors) is an SEC-registered investment advisor, and wholly owned subsidiary of NerdWallet, Inc. The advice provided in this episode of Smart Money was for illustrative purposes only and not intended as financial or investment advice specific to your personal facts or circumstances. This discussion covers: financial anxiety, financial peace of mind, financial planning session, budgeting strategies, investing tips, asset portfolio, certified financial planner, managing finances, financial goals, retirement planning, financial security, financial management, smart investing, wealth building, financial discipline, savings accounts, financial communication, financial relationships, college tuition, home down payments, financial stability, financial relaxation, money management, anxiety about money, achieving financial goals, budgeting and investing, financial goals and relationships, financial goal-setting, financial reassurance, financial stress, and disciplined financial planning. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn how to make compassionate, informed decisions for your pet's end-of-life care, balancing costs, emotions, and love. How can you plan for end of life care for your pet? Hosts Sean Pyles and Ronita Choudhuri-Wade discuss the emotional and financial challenges of pet end-of-life care and the importance of early decision-making to help you understand how to make compassionate and practical choices that are realistic for your financial situation. They begin with a discussion of the gut-wrenching reality of limited pet lifespans, with tips and tricks on preparing for end-of-life care, weighing treatment costs against quality of life, and ensuring pets do not suffer needlessly. Dr. Fiona McCord, founder of Compassionate Care Vet Services, then joins Ronita to discuss the complexities of end-of-life care decision-making. They discuss the importance of early planning, balancing love and practicality in pet care, and resources for grief support. Through touching stories and practical advice, Dr. McCord emphasizes the necessity of preparing for the financial and emotional aspects of pet end-of-life care, helping pet owners navigate these challenging times with compassion and foresight. In their conversation, the Nerds discuss: pet end-of-life care, euthanasia vs natural death, compassionate care for pets, pet hospice options, pet grief support, financial planning for pet care, pet cremation costs, pet burial costs, managing pet health costs, balancing pet care costs and emotions, quality of life for aging pets, end-of-life pet decisions, veterinary advice for pet owners, in-home euthanasia for pets, pet loss resources, emotional support for pet owners, pet care budgeting, chemotherapy for pets, pet surgery costs, preparing for pet loss, compassionate choices for pets, honoring a pet's memory, practical tips for pet care, aging pet comfort tips, supporting pets in final days, financial challenges of pet care, early decision-making for pet care, grief counseling for pet owners, pet memorial planning, hospice care for pets, balancing love and practicality, ensuring pet comfort, end-of-life pet planning, avoiding pet crisis situations, pet loss and identity, managing chronic pet illness, and resources for pet owners. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn why experts criticize the ?no tax on tips? policy and what it could mean for non-tipped workers if tips become tax-free. Why are some experts criticizing the proposed ?no tax on tips? policy? Could it really benefit tipped workers as intended? Hosts Sean Pyles and Anna Helhoski discuss the nuances of the ?no tax on tips? proposals from presidential candidates Donald Trump and Kamala Harris and break down why tax experts are skeptical about its effectiveness. Then, they cover the latest financial headlines, including updates on retail sales, car prices, and the potential Kroger-Albertsons merger. Calculating how much car you can afford before you visit the dealership can save you hundreds, maybe thousands, of dollars in the long run. To do that for free, you can use NerdWallet?s car affordability calculator here: https://www.nerdwallet.com/article/loans/auto-loans/much-spend-car  In their conversation, the Nerds discuss: no tax on tips, tipping policies, federal income tax, tax exemption, tipped workers, minimum wage, inflation, car sales, grocery prices, Kroger Albertsons merger, consumer price index, CPI, retail sales, used car prices, payroll tax, earned income tax credit, child tax credit, recession, economic policy, subminimum wage, US presidential election, tax policy, financial headlines, tax credits, grocery merger, consumer spending, interest rates, federal minimum wage, Social Security, Medicare, restaurant industry, hospitality industry, tax loopholes, wage inequality, financial news, economic trends, car affordability, and tipping. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn how you could save money by caring less about what other people think and how to weigh the pros and cons of a job offer. How can you save money by not caring about others' opinions? How does commute time factor into whether you should take an in-person job? Hosts Sean Pyles and Sara Rathner discuss freeing yourself from the pressures of social validation and adopting smart spending habits to help you understand how these approaches can boost your financial well-being. They begin with a discussion of saving money by ?not caring,? with tips and tricks on avoiding unnecessary spending influenced by social media influencers, focusing on purchases that genuinely make you happy, and recognizing the fleeting dopamine rush from new buys. They also delve into strategies such as choosing unique vintage clothing, the benefits of a capsule wardrobe, and making thoughtful car-buying decisions.  Then, hosts Elizabeth Ayoola and Sara Rathner talk to Andrew, a listener in Miami, about his decision to start a new job that would increase both his salary and his commute time. They discuss the trade-offs of job changes, the impact on work-life balance, and questions you can ask yourself to help align your career progression with core values. To see how much car you can really afford, check out NerdWallet?s auto loan calculator: https://www.nerdwallet.com/calculator/auto-loan-calculator  In their conversation, the Nerds discuss: financial freedom, mindful spending, frugal living, social validation, smart spending, career decisions, financial well-being, fashion trends, financial fulfillment, savings boosts, self-esteem, social media influencers, vintage clothing, capsule wardrobe, car buying decisions, reliability over status, environmental impact, job change, lengthy commute, work-life balance, company culture, strategic financial decisions, emergency funds, automating savings, daycare expenses, salary increase, family time, freelance work, retirement savings, job switching, higher salary, outsourcing home tasks, remote work, hybrid roles, practical tips, dopamine hits, fashion creativity, and consumer purchases. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn how to financially prepare for the costs of pet emergencies with firsthand experiences from pet owners and experts. How much does emergency pet care cost? How much should you budget for unexpected pet expenses? Hosts Sean Pyles and Ronita Choudhuri-Wade discuss the unpredictable nature of pet emergencies and the importance of financial readiness to help you understand how to effectively manage unexpected veterinary costs. They begin by sharing their personal experiences and discussing the emotional toll of pet emergencies, with tips and tricks on setting up a savings account for pet expenses, considering pet insurance, and understanding the wide range of potential costs involved in emergency care. Vivien, a pet owner from Jersey City, New Jersey, also shares her story of dealing with an unexpected pet emergency. Then, Dr. Angela Beal, a veterinarian based in Columbus, Ohio, joins Ronita to discuss strategies for financially preparing for pet emergencies. They discuss tactics for setting up a dedicated pet emergency fund, the benefits of pet insurance, and practical steps for emotionally and financially managing unexpected veterinary expenses. Check our NerdWallet roundup of the best pet insurance companies for 2024: https://www.nerdwallet.com/article/insurance/best-pet-insurance-companies  In their conversation, the Nerds discuss: pet emergency costs, pet insurance, emergency vet bills, pet emergency fund, veterinary expenses, unexpected pet expenses, pet care costs, saving for pet emergencies, pet health care, pet emergency planning, emergency pet care, financial preparation for pet emergencies, pet savings accounts, budgeting for pets, cost of pet care, pet insurance policies, veterinary emergencies, pet health insurance, affordable pet care, emergency vet visits, pet financial planning, veterinary care costs, pet expense management, planning for pet emergencies, pet healthcare credit cards, financial tips for pet owners, pet care budgeting, veterinary costs, pet emergency savings, pet expense planning, veterinary hospital costs, pet medical bills, emergency pet insurance, pet financial assistance, pet healthcare expenses, and veterinary treatment costs. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn budgeting tips and money-saving hacks for back-to-school shopping to avoid debt and make the most of sales and discounts. What are the best ways to save on back-to-school shopping? How much do people usually spend on school supplies? Hosts Sean Pyles and Anna Helhoski dive into the latest NerdWallet survey results on back-to-school shopping, revealing spending habits and budgeting strategies. NerdWallet?s Sara Rathner joins the conversation to discuss the survey and provide actionable tips on saving money, avoiding debt, and making the most of sales and secondhand purchases. Then, Sean and Anna discuss recent money headlines, including jobless claims and market reactions, along with the latest developments in mortgage rates and housing trends.  You can find NerdWallet?s guide to first-time home buyer loans and programs here: https://www.nerdwallet.com/article/mortgages/programs-help-first-time-homebuyers  In their conversation, the Nerds discuss: back-to-school shopping, budgeting tips, school supplies, avoiding debt, money-saving tips, personal finance, credit cards, shopping habits, financial planning, student expenses, cash-back rewards, sales and discounts, secondhand shopping, inflation impact, spending strategies, jobless claims, mortgage rates, housing market trends, school budgeting, smart shopping, debt management, financial tips, online shopping, buy now pay later, cashback apps, coupon codes, price tracking, first-time home buyers, home buying tips, mortgage guide, financial news, back-to-school deals, credit card usage, debt prevention, family budgeting, and financial literacy. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Hear an actual financial planning session where a CFP advises a listener on transforming her budget and spending habits. Magda Doemeny, a certified financial planner from the NerdWallet Advisors platform, gives a listener specific advice to improve their finances (advice given on behalf of Nerdwallet Advisors, not NerdWallet). Brinker, the listener, is struggling with spending habits that she calls ?irresponsible? and  how to manage some of her debt. She discusses her upbringing, financial challenges, and goals while Magda offers insights and strategies to help her improve her finances. The episode delves into methods for tracking spending habits, setting financial goals, and developing better money management practices to achieve financial stability. Magda also guides Brinker on creating a budget, prioritizing debt repayment, and implementing behavioral changes to curb impulsive spending.  As mentioned by Sean, here is NerdWallet?s list of the best high-yield savings accounts: https://www.nerdwallet.com/best/banking/high-yield-online-savings-accounts  ??NerdWallet Advisory LLC (dba NerdWallet Advisors) is an SEC-registered investment advisor, and wholly owned subsidiary of NerdWallet, Inc. The advice provided in this episode of Smart Money was for illustrative purposes only and not intended as financial or investment advice specific to your personal facts or circumstances. In their conversation, the Nerds discuss: financial planning session, budgeting, debt management, savings, spending habits, financial goals, high yield savings accounts, ways to curb spending habits, financial planning session, how to manage debt effectively, strategies for paying off credit card debt, how to curb spending, budgeting apps, Uber Eats, Uber habits, splurging, what it?s like working with a financial advisor, impulse buying, lifestyle creep, money mindset, spending habits, financial goals, and actionable financial strategies.  To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn to navigate pet insurance options, costs, and smart budgeting strategies for your pet's health care. Is pet insurance worth it? How can pet owners afford the rising costs of veterinary care? Hosts Sean Pyles and Ronita Choudhuri-Wade discuss the ins and outs of pet insurance and various budgeting strategies to help you manage pet care expenses effectively. They begin with a discussion of the importance of pet insurance amidst escalating vet bills, with tips and tricks on the potential financial benefits of pet insurance, the low adoption rate of pet insurance in the US, and interesting trivia like the first US pet insurance policy issued for Lassie. Then, NerdWallet pet insurance expert Sarah Schlichter joins Sean and Ronita to discuss the basics of pet insurance. They discuss the different types of pet insurance plans available, common misconceptions about pet insurance, and other critical factors to consider, such as deductibles, co-pays, and policy exclusions. Plus: potential hidden fees and the nuances of claim payouts, key features to look for when comparing providers, and alternative financial strategies such as vet subscription services. Read NerdWallet?s article about the best pet insurance companies for 2024: https://www.nerdwallet.com/article/insurance/best-pet-insurance-companies  In their conversation, the Nerds discuss: pet insurance, pet care budgeting, saving on vet bills, veterinary costs, pet insurance options, pet insurance costs, pet care solutions, financial side of pet care, pet insurance explained, pet insurance basics, navigating pet care costs, pet insurance coverage, pet insurance plans, understanding pet insurance, pet insurance benefits, pet insurance for dogs, pet insurance for cats, wellness care for pets, accident and illness insurance, pet insurance premiums, hidden fees in pet insurance, claim payouts, deductibles and copays, policy exclusions, reading sample plans, comparing pet insurance providers, dental disease coverage, alternative treatments for pets, behavioral therapy for pets, dedicated savings accounts for pets, vet subscription services, pre-existing conditions, choosing pet insurance, budget and risk tolerance, economic euthanasia, advanced veterinary treatments, pet insurance trivia, Lassie pet insurance, high-yield savings accounts for pets, and pet insurance misconceptions. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn how the Fed's interest rate decisions impact your finances and get insights on retirement readiness and brokerage outages. What does the Fed's recent decision to maintain the current interest rate mean for you? How will a potential rate cut in September impact your finances? Hosts Sean Pyles and Anna Helhoski discuss the implications of the Federal Reserve's latest moves and what you can expect from a potential rate cut in the near future. NerdWallet?s Senior Economist Elizabeth Renter joins them to provide insights and actionable takeaways on how these changes could affect your credit cards, mortgages, and overall financial strategy. Unsure of how prepared you are for retirement? Check out NerdWallet?s retirement calculator: https://www.nerdwallet.com/calculator/retirement-calculator  Then, they dive into the latest money headlines, including the alarming state of Americans' retirement preparedness and the recent brokerage outages that left many investors locked out of their accounts. The episode aims to leave you with a better understanding of how to navigate economic changes, prepare for retirement, and manage your investments effectively. In their conversation, the Nerds discuss: Fed interest rates, Federal Reserve, rate cuts, inflation, economic outlook, mortgage rates, credit card rates, unemployment rate, financial news, retirement savings, stock market, investment strategies, consumer spending, economic data, inflation rates, interest rate changes, economic growth, financial planning, loan interest rates, savings strategies, 401k plans, financial stability, market trends, stock trading, retirement planning, economic policy, job market, inflation impact, debt management, financial independence, stock market news, and Fed decisions. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Discover strategies for achieving early retirement with the FIRE movement and learn how to maximize your credit card rewards. How much do you have to save if you want to retire early? Can you double your credit card rewards by paying off one card with another? Hosts Sean Pyles and Elizabeth Ayoola discuss the FIRE movement and maximizing credit card rewards to help you understand how to achieve financial independence and optimize your financial strategies. They begin with a discussion of the FIRE movement, with tips and tricks on understanding different FIRE strategies (Lean FIRE, Fat FIRE, Barista FIRE), adapting financial goals to individual circumstances, and the feasibility of saving significant portions of income amidst rising living costs and inflation. Then, credit card Nerd Erin Hurd joins Sean to discuss maximizing credit card rewards. She explains the impossibility of doubling rewards by paying off one card with another, effective strategies for couples to maximize credit card points like leveraging multiple sign-up bonuses and using authorized users, and the best and worst ways to redeem credit card points, emphasizing considerations such as point expiration, the impact of inflation on point value, and the importance of having a realistic plan for point usage. You can find NerdWallet?s deep dive analysis on the current value of many top airline and hotel programs here: https://www.nerdwallet.com/article/travel/airline-miles-and-hotel-points-valuations  In their conversation, the Nerds discuss: FIRE movement, financial independence, retire early, early retirement strategies, saving for retirement, credit card rewards points, maximizing credit card points, credit card strategies, signup bonuses, strategic spending, redeeming points, point expiration, inflation impact, credit card authorized users, pooling points, credit card hacks, financial freedom, meaningful work, balancing life and finances, personal freedom, cost of living, inflation, saving income, balance transfers, 0% intro apr, credit card myths, reward points, spending management, travel points, cashback, redeeming points, financial decisions, optimizing rewards, financial goals, and retirement planning. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn how you can balance the joy and financial responsibility of having a pet without having to compromise either of them. How much does it cost to own a pet? How can you make pet care affordable without compromising quality? Hosts Sean Pyles and Ronita Choudhuri-Wade share personal stories about their pets and discuss the rising costs of veterinary care to help you understand how to manage pet expenses effectively. They discuss various financial aspects of pet ownership, including tips and tricks on managing the rising costs of veterinary services, creating a rainy day fund for pet emergencies, and leveraging community support for pet-sitting. Chloe Butler, a new kitty parent in Tulsa, also joins the show to talk about the process of becoming a pet owner. Dr. Jennifer Scarlett, veterinarian and CEO of the San Francisco Society for Prevention of Cruelty to Animals (SPCA), joins Sean and Ronita to discuss strategies for affordable pet care and making informed decisions about pet adoption. They discuss the time and financial resources required for pet ownership, tips for sourcing cost-effective pet supplies and treats, and common financial pitfalls new pet owners should avoid.  In their conversation, the Nerds discuss: affordable pet care, pet ownership costs, pet care tips, financial responsibility for pets, cost-effective pet care, veterinary expenses, pet rainy day fund, multiple pets benefits, pet enrichment items, pet treats, travel with pets, community pet support, pet sitting tips, pet setup costs, ongoing pet maintenance, pet adoption considerations, pet insurance, unexpected vet expenses, pet financial planning, pet budgeting tips, pet parent tips, pet parenting guide, financially responsible pet ownership, managing pet expenses, maximizing pet joy, pet ownership challenges, pet care strategies, pet quality of life, pet grooming costs, pet food costs, pet medical needs, pet social needs, pet adoption fees, and pet community building. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn how a recent Supreme Court decision impacts financial regulations and crypto, plus the latest money news and travel tips. Is the end of the Chevron deference really going to shake up the world of financial regulations? What does this mean for the future of crypto investments? Hosts Tess Vigeland and Anna Helhoski and NerdWallet investing writer Sam Taube discuss the Supreme Court?s recent decision in Loper Bright Enterprises v. Raimondo, and how overturning the 40-year-old Chevron deference is set to impact everything from workplace safety to the environment. They discuss how this decision might loosen federal regulations and what it means for the finance industry moving forward. Then, they cover the latest money headlines, including the Federal Reserve?s interest rate decisions, the California Supreme Court ruling on gig workers, and Southwest Airlines? change in seating policy. You?ll walk away with a better understanding of how these changes affect inflation measures, gig economy labor laws, and the travel experience for frequent flyers.? In their conversation, the Nerds discuss: supreme court decision, financial regulations, crypto investment, chevron deference, loper bright enterprises, federal regulatory agencies, investment regulations, crypto deregulation, securities and exchange commission, commodity futures trading commission, noncompete agreements, federal trade commission, investor protections, congressional regulations, federal court cases, health care regulations, environmental regulations, workplace safety regulations, taxation of cryptocurrency, legal ramifications, business rules, investment products, crypto ETFs, ethereum ETFs, staking yield, prediction markets, event contracts, political event contracts, election betting, personal consumption expenditures, inflation measures, interest rates, gig economy labor laws, independent contractors, employee benefits, california supreme court, southwest airlines seating policy, travel experience, economic indicators, gross domestic product To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Explore life insurance as an investment tool, understand variable and infinite banking, and navigate complex insurance choices. What?s the right life insurance policy for you? What is ?infinite banking? and how hard is it to set up? Hosts Sean Pyles and Sara Rathner discuss the intricacies of life insurance as both a protective measure and a financial instrument to help you understand its potential for investment and financial growth. NerdWallet insurance pro Lisa Green joins Sean and Sara to explain term life insurance and more complex life insurance options, such as variable life insurance, and the concept of ?infinite banking.? They discuss the nuances of investing extra money into the cash value of a permanent life insurance policy, highlighting guaranteed interest rates versus market risks, and who might benefit from these types of policies. Additionally, they delve into the infinite banking concept, explaining how it works, the financial discipline it requires, and potential pitfalls. This episode is designed to help listeners navigate their life insurance choices and create a balanced financial plan. In their conversation, the Nerds discuss: term life insurance, permanent life insurance, life insurance investment, life insurance premiums, variable life insurance, infinite banking, cash value life insurance, life insurance strategies, life insurance options, term vs permanent life insurance, life insurance costs, life insurance benefits, financial planning, life insurance risks, borrowing against life insurance, financial growth, investing in life insurance, high-yield investments, insurance market risks, life insurance for smokers, funeral expense insurance, and financial security. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn how to negotiate for a higher salary and better benefits when you get a job offer. Plus: Tips for boosting your earning potential. What are the best ways to negotiate for a higher salary?  How can you elevate your earnings and overall compensation package?  Hosts Sean Pyles and Alana Benson discuss strategies for increasing your income and negotiating for a raise to help you understand how to navigate salary discussions confidently and effectively. Alana speaks with Catherine Tinsley, Raffini Professor of Management at Georgetown University?s McDonough School of Business, about who should make the first offer, how to leverage market data, and the challenge of overcoming emotional hurdles. They also discuss the benefits of changing jobs for higher salary potential, practical advice on boosting your earning potential, and why understanding power dynamics and perceived expertise could help you come out ahead in your next negotiation. In their conversation, the Nerds discuss: salary negotiation, negotiation tactics, boost earnings, salary raise tips, new job offer negotiation, making the first offer, leveraging market data, non-monetary benefits, workplace negotiations, power dynamics, preparing for negotiations, managing emotions, marginalized group challenges, increasing income strategies, transparent salary discussions, job offer components, vacation time negotiation, remote work negotiation, company equity negotiation, continuing education negotiation, making the first salary offer, external labor market information, practical negotiation strategies, salary transparency, mutual problem solving, negotiation confidence, salary benchmarks, transparent salary data, anchoring in negotiation, power in negotiations, emotional hurdles negotiation, interdependence in negotiation, negotiation preparation, asking for a raise, and leveraging outside offers. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Hear different perspectives on how to pay off debt ? and when to stop paying off debt to focus on investing your money. When should you prioritize investing over paying off debt? What are different debt payoff methods to help you become debt-free? Hosts Sean Pyles and Elizabeth Ayoola and NerdWallet debt writer Tiffany Curtis answer a listener?s question about balancing debt payoff and investing. They start by breaking down the debt snowball and debt avalanche methods of paying off debt, then delve into the pros and cons of investing while paying off debt. In their conversation, the Nerds discuss: debt repayment, debt snowball method, debt avalanche method, debt-free life, loan repayment, high-interest car loans, mortgage repayment, strategic repayment, debt payoff strategies, investing vs. debt payoff, loan payoff methods, interest rates, small victories, analytical approach to financial decisions, financial personality, debt motivation, high-interest loans, loan prioritization, mortgage loans, car loans, investment vs. debt, debt repayment tips, debt payoff journey, financial goals, debt payoff plan, interest to investment, financial trajectory, and long-term financial planning. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn how to optimize your LinkedIn profile to enhance your job and income prospects with tips from LinkedIn?s Andrew McCaskill. What are recruiters looking for on LinkedIn? What?s the best way to optimize your LinkedIn profile? Hosts Sean Pyles and Alana Benson discuss LinkedIn optimization and professional growth to help you understand how to leverage the platform for career success. They begin with a discussion of LinkedIn optimization, with tips and tricks on highlighting essential skills, sharing engaging content, and maintaining regular engagement on the platform. Then, Andrew McCaskill, a senior director and career expert at LinkedIn, joins the show to discuss maximizing job opportunities on LinkedIn. He discusses the surprising benefits of setting up job alerts, nurturing professional connections, and using relevant keywords to enhance visibility in recruiters' searches. In their conversation, they also delve into crucial aspects of career growth and safety on LinkedIn, including how to identify red flags for job scams, understand companies' commitments to diversity and inclusion, and have open conversations about salary transparency.  In their conversation, the Nerds discuss: LinkedIn optimization, job search, professional networking, income boost, career growth, LinkedIn profile, job alerts, recruiter tips, LinkedIn insights, skills summary, career advancement, professional connections, salary transparency, job scams, LinkedIn features, profile keywords, hard skills, soft skills, diversity and inclusion, resume optimization, salary negotiation, Glassdoor, Elpha, job applications, AI tools, cover letters, LinkedIn engagement, professional visibility, career potential, job referrals, LinkedIn safety, LinkedIn content, wage estimates, LinkedIn job hunting, LinkedIn networking, career decisions, compensation conversation, job market, and LinkedIn profile photos. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn to navigate Amazon Prime Day deals, track prices, and avoid overspending with expert shopping strategies and tools. Are Amazon Prime Day deals truly worth it, or are they just savvy marketing tactics? Hosts Anna Helhoski and Sara Rathner explain how consumers can identify genuine bargains amidst the sea of discounts. NerdWallet writer Tommy Tindall joins them to discuss the evolution of Prime Day from its inception in 2015 to its current status as a major shopping event, shedding light on the difference between list prices and typical prices to help listeners make more informed purchasing decisions. They begin with a discussion of the significance of price tracking tools, offering tips and tricks on leveraging CamelCamelCamel and Keepa, maintaining skepticism toward discounts, and understanding dynamic pricing patterns. In their conversation, the Nerds discuss: Amazon Prime Day, Prime Day deals, online shopping tips, genuine bargains, price tracking tools, Amazon marketing tactics, avoiding inflated discounts, making smarter buying decisions, online shopping pitfalls, Prime Day strategy, list prices vs typical prices, skepticism in online deals, price history tracking, dynamic pricing, Amazon price drops, Walmart sales, Target sales, cashback apps, Black Friday in July, Amazon competitors, Best Buy sales, overspending traps, necessary purchases, back-to-school deals, tech gadgets, Amazon devices, Echo deals, Kindle Fire deals, Apple product deals, electronics discounts, noise-canceling headphones, baby gear deals, toy discounts, Dyson vacuum sales, kitchen gadgets, and Amazon essentials. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn about salary negotiation and investing strategies and how they can be especially helpful for women facing unique personal finance challenges. What financial challenges do women uniquely face? How can people find financial peace in a stressful world? Hosts Sean Pyles and Sara Rathner share some ?money hot takes? before turning the conversation towards addressing the unique financial hurdles women face. HerMoney podcast host Jean Chatzky joins Sean to discuss the impact of the gender pay gap and caregiving responsibilities on women's financial security, the strengths women bring to investing, and practical strategies for negotiating better salaries and investing confidently.  In their conversation, the Nerds discuss: finances for women, financial empowerment, personal finance, financial education, investing for women, employee benefits, health insurance, paid sick leave, financial literacy, caregiving responsibilities, financial confidence, investing strategies, retirement savings, salary negotiation, financial partnerships, financial peace, money management, budgeting tips, financial opportunities, women investors, financial planning, systemic barriers, the gender pay gap, financial prudence, financial security, trading frequency, financial independence, long-term planning, financial stress, financial wellness, high-interest debt, and emergency funds. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Discover career growth strategies to boost your income, including negotiating raises, and navigating promotions and mentorship. What are some of the best ways to increase your income?  What are strategies for negotiating a higher salary and excelling in your current role?  Hosts Sean Pyles and Alana Benson discuss career growth techniques and salary negotiation strategies to help you understand how to maximize your earnings and achieve financial stability. They begin with a discussion of the importance of increasing your income rather than solely focusing on cutting expenses, breaking down the long-term financial difference that seemingly small increases in your income can make over the course of your career.  Then, ?The Job Doctor? Tessa White joins Alana to discuss how to excel in your current role and position yourself for promotions and raises within an organization. They discuss the necessity of understanding the true expectations of your role, measuring your contributions through tangible metrics and effectively communicating your value to your organization. Additionally, they explore the importance of informal mentorship and how to enhance your skills by observing and learning from those who excel in specific areas. In their conversation, the Nerds discuss: career strategies, income potential, salary negotiation, financial stability, career growth, job market, financial future, career success, career advancement, career coaches, raise negotiations, job offers, informal mentorship, skill enhancement, job promotion, financial goals, earnings increase, career metrics, value proposition, workplace visibility, career mentors, market value, career coach, industry experience, job stability, promotion strategies, income jump, salary bump, corporate growth, financial planning, income investment, and company red zones. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Discover how to align education with job market demands, tackling underemployment and economic stagnation in ?middle skills? jobs. What are ?middle skills? and why are they in high demand? What are the economic implications of misalignment between middle skills credentials and job market demands? Hosts Sean Pyles and Anna Helhoski discuss the misalignment in the labor market concerning middle skills credentials and the impact of place-based policies on local economies to help you understand the complexities and challenges in securing middle skills jobs. They begin with a discussion of the misalignment between middle skills credentials and local job markets, with tips and tricks on recognizing high-demand fields, avoiding oversaturated programs, and the importance of aligning education with job market needs. Then, Anna speaks with Zach Mabel, one of the co-authors of ?The Great Misalignment,? a new report from Georgetown University Center on Education and the Workforce. He discusses the challenges of place-based policies and their impact on middle skills training disparities. They discuss the racial and ethnic disparities in accessing middle skills programs, the funding challenges faced by public community colleges, and the importance of strategic alignment between educational programs and labor market demands to improve job placement and economic outcomes. Sean and Anna then break down the latest money headlines, including monthly job figures, a federal judge temporarily stopping the Federal Trade Commission?s ban on corporate non-compete agreements, and a new report from the Federal Trade Commission on pharmacy benefit managers. In their conversation, the Nerds discuss: future-proofing, middle skills jobs, job market demands, economic challenges, workforce insights, local economies, middle skills training, labor market alignment, education and job market, underemployment, economic stagnation, blue-collar jobs, business degrees, general studies degrees, place-based policies, racial disparities, ethnic disparities, community colleges, funding obstacles, job placement, economic outcomes, employment figures, corporate non-compete agreements, labor market, job credentials, associate degrees, trade schools, technical colleges, underproduction, credential overproduction, job openings, low-paying jobs, economic mobility, urban-rural divide, institutional employer partnerships, post-college movement patterns, free tuition programs, non-compete clauses, PBMs, the FTC, and middle skills providers. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Understand how much extra income you could get from a side hustle like DoorDash and get a budgeting and investing basics refresh. 00:40 This Week in Your Money: How much extra money can you really make from side hustles? What are budgeting and early investment strategies for young professionals? Hosts Sean Pyles and Sara Rathner discuss the realities of gig economy jobs with Tommy Tindall, a NerdWallet writer who tried working for DoorDash to see what kind of income it would give him. He shares tips and tricks on the ease of starting with DoorDash, the practical challenges involved, and how your location and lifestyle can impact your earnings. 11:08 Today?s Money Question: Host Elizabeth Ayoola joins Sean and Sara to help answer a listener question from a recent college graduate about early investment strategies. They discuss how young professionals can apply the 50/30/20 rule to their finances, the importance of setting clear savings goals, and how to start investing at a young age. They discuss the benefits of starting investments early, the differences between active and passive investing options, and the importance of automating investments to build wealth over time.  In their conversation, the Nerds discuss: budgeting basics, side hustles, early investing, gig economy, financial planning, saving strategies, compound interest, passive investing, active investing, working for DoorDash, supplemental income, young professionals, financial tips, retirement calculators, IRA benefits, flexible budgeting, money goals, investment strategy, automation in finance, personal finance, tax benefits, savings accounts, financial foundation, robo-advisors, ETF investments, high yield savings accounts, debt repayment, financial pitfalls, emergency fund, savings goals, financial goals, practical saving tips, visualization exercises, setting financial goals, low tax rates, short-term savings, long-term savings, reverse budgeting, and investment automation. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

As a freelancer or gig worker, how can you make sure you get paid on time? In this special presentation of Working from Slate Podcasts, hosts Ronald Young Jr. and June Thomas talk money, finances, and getting paid as a freelancer in a tough economy. They recount their own frustrating experiences with not getting paid on time and offer tips on how avoid those situations. Listen to Working wherever you get your podcasts. Learn more at https://slate.com/podcasts/working

Understand why the current housing market is so challenging, how people can afford to buy a home, and what?s next for interest rates. How are people able to afford to buy a home in the current housing market? When will houses be affordable again? Hosts Anna Helhoski and Tess Vigeland (filling in for Sean) discuss the current state of the housing market with NerdWallet home and mortgages expert Holden Lewis, exploring factors such as high mortgage rates, slow home sales, and high prices. They explore the various factors that have made homebuying so difficult and what potential buyers can do to navigate this tough market. Then, they break down the latest money headlines, including student loan forgiveness being blocked in two states, the IRS running into customer service issues, and a new California law that will add financial literacy to high school curriculums. In their conversation, the Nerds discuss: the housing market, mortgage rates, homebuying tips, real estate trends, home insurance, first-time homebuyers, high mortgage rates, home affordability, real estate market, mortgage rates 2024, housing market forecast, home prices, real estate investment, housing market trends, property market, home insurance costs, homebuying guide, home sales, buying a home, home ownership, housing crisis, real estate tips, home insurance, mortgage trends, real estate news, home equity, mortgage rates today, real estate market forecast, housing market analysis, real estate market trends, home buying tips, and mortgage loan tips. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Get a breakdown of the hottest tips from Smart Money this year, including wealth-building strategies and managing money in relationships.  How can you make your money work for you?  What?s the best way to save on group travel?  Host Sean Pyles presents some of the most impactful conversations we?ve had on Smart Money in order to help you make better decisions about your finances. 00:54 30-Day Money Cleanse: NerdWallet?s Kim Palmer talks to Ashley Feinstein Gerstley, author of The 30-Day Money Cleanse, to help you understand how small changes can make a significant impact on your financial health. They begin with a discussion of the financial cleanse, with tips and tricks on aligning spending with personal values, creating lasting habits in 30 days by using a method that has saved others an average of $950 over 30 days ? without feeling deprived.  05:19 Wealth Building Strategies: NerdWallet?s Kim Palmer and Alana Benson discuss investment strategies and tax planning to help you understand how to navigate your financial journey effectively. They discuss investment strategies, with tips and tricks on understanding different investment accounts like 401(k)s and IRAs, leveraging compound interest, and the importance of starting investments early.  11:54 Group Travel Deals: What are the best strategies for using travel points and credit cards to your advantage when planning group trips? NerdWallet?s Meghan Coyle and Erin Hurd discuss the nuances of booking flights for groups, including how to navigate seat selection fees and what it means to earn status with an airline as part of your credit card rewards. 16:49 Money and Relationships: Host Elizabeth Ayoola interviews Rianka Dorsonville, a self-employed certified financial planner, about critical questions to consider before embarking on your entrepreneurial journey.  22:04 Vivian Tu on Building Wealth: How do you talk about money with your romantic partner? Personal finance journalist and podcaster Nicole Lapin joins NerdWallet?s Sean Pyles to talk about the delicate balance of finance in friendships and romance.  In this episode, the Nerds discuss: financial wellness, saving strategies, money habits, wealthy future, financial success, building wealth, group travel, financial cleanse, travel hacks, emergency fund, compound interest, 401k benefits, tax advantages, family travel, elite status, seat selection fees, travel credits, self-employed budgeting, money mindsets, entrepreneurs, financial planning, sustainable saving habits, increasing income, investment accounts, financial stability, money stress, conscious spending, intentional finances, financial reset, basic economy, airline partnerships, premium travel credit cards, side hustles, and retirement planning. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn why estate planning is important even if you don?t own a lot of assets, along with when to ask for professional help. Why is estate planning important?  What happens to your assets when you die without an estate plan?  Hosts Sean Pyles and Dalia Ramirez discuss the essential aspects of estate planning and the common misconceptions that often deter people from creating an estate plan. They begin with a discussion of the critical importance of having a will, with tips and tricks on keeping updated records, managing assets and understanding the role of a will in preventing lengthy probate processes. Then, RK Law PC Managing Attorney Regina Kiperman joins Dalia to discuss various tools and strategies available for effective estate planning. They discuss the importance of clearly identifying witnesses in a will, the scenarios where hiring an attorney is essential, and the necessity of advance directives, power of attorney and healthcare proxies. The conversation features actionable advice on managing your will and advance directives, highlights the emotional and financial relief that estate planning can offer surviving family members, and encourages proactive steps to ensure peace of mind for loved ones. In their conversation, the Nerds discuss: estate planning, securing your legacy, family future, will preparation, protecting assets, probate process, estate plan importance, managing assets, reverse mortgages, Medicaid trusts, key life events, baby estate plan, retiring estate plan, property multiple states, proper documentation, estate planning tips, DIY estate planning, getting professional legal help, emotional relief, financial relief, surviving family members, avoiding probate, asset distribution, wealth management, creating a will, updating records, healthcare proxies, power of attorney, advance directives, legal issues, estate planning misconceptions, affordable estate planning, tax planning, Medicaid planning, business succession planning, contesting a will, trust funding, self-proving affidavit, and witness identification. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn about the financial impact of beauty expenses, societal pressures behind them, and tips for managing beauty-related costs. Are beauty purchases worth the financial stress? How do beauty-related expenses impact our budgets? Hosts Sean Pyles and Anna Helhoski discuss the rising costs of beauty products, services, and procedures and how they are leading to financial stress and debt among Americans. They explore the results of a recent survey that highlight the financial strain these expenses can cause and provide actionable tips on managing these costs. They also discuss the societal pressures driving beauty spending, from social media influences to the concept of ?pretty privilege.? Then, Sean and Anna break down this week?s financial headlines, including the impending student loan forgiveness deadline, a drop in construction of new homes, and Thursday?s presidential debate. In their conversation, the Nerds discuss: beauty expenses, financial stress, beauty products, budgeting tips, beauty procedures, debt management, beauty survey, societal pressures, beauty spending, financial impact, cosmetic procedures, beauty purchases, social media influence, pretty privilege, budgeting beauty, beauty-related debt, skincare costs, hair care expenses, beauty services, managing beauty costs, cosmetic surgeries, self-care economy, beauty budget, financial planning, beauty spending trends, personal finance, debt for beauty, beauty treatments, beauty industry, financial wellness, cosmetic expenses, beauty product costs, and money management. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Beat the financial heat with fun summer savings tips and get mid-year financial check-up strategies for a stress-free season. Summer Activity Guide: What free things can you do to have a fun summer? Hosts Sean Pyles and Sara Rathner discuss summer money-saving tips to help you understand how to balance fun and finances during the warm months. They begin with a discussion of budget-friendly summer activities, offering tips and tricks on utilizing public facilities like pools and tennis courts, attending free outdoor events, and organizing potlucks with friends.  Mid-Year Money Check-in: How can a mid-year money check-in help your finances? Shannah Game, host of the podcast Everyone?s Talkin? Money, joins Sean to discuss the importance and practicality of reviewing your finances this summer. They discuss overcoming emotional and mental blocks about money, practical exercises like "Rose, Bud, and Thorn" and the "Why, Where, What, and How" framework, and recognizing how emotions influence financial decisions. They also discuss tactics for setting small, manageable financial goals, the significance of community support, and how you can scrutinize every expense to ensure it aligns with your values and propels you toward your financial aspirations. Learn more about Everyone?s Talkin? Money: https://everyonestalkinmoney.com/  In their conversation, the Nerds discuss: summer savings, financial check-up, money-saving tips, affordable summer fun, mid-year financial tune-up, money management tips, summer budget, financial health, emotional money management, small financial goals, community support, transparency in finances, public pools, free outdoor events, budget-friendly potlucks, hiking, public libraries, free museum admission, second-run theaters, car insurance shopping, checking beneficiaries, cell phone savings, internet savings, down payment savings, emergency savings, financial milestones, financial aspirations, financial progress, self-care, financial empowerment, money goals, summer activities, and affordable entertainment. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Discover how to navigate financial uncertainty in a creative career with insights from a jazz saxophonist's personal journey. How can creative professionals manage financial uncertainty in their careers?  What are the essential financial strategies for artists dealing with fluctuating income? Hosts Sean Pyles and Abby Badach Doyle discuss the financial challenges in creative careers and strategies for overcoming them to help you understand how to thrive financially while pursuing your passion. They begin with a discussion of the unique financial hurdles faced by musicians, artists and writers, with tips and tricks on managing unpredictable income, the importance of saving and maintaining mental health amidst financial instability.  Then, jazz saxophonist Roger Romero joins Abby to discuss his personal journey to a full-time music career. They discuss the support systems needed for a successful creative career, the logistics of managing seasonal income and advice for aspiring artists who are considering full-time careers pursuing their passions. Romero's insights provide valuable lessons on building a supportive community, continuously learning and developing skills, and the importance of financial planning for long-term success.  In their conversation, the Nerds discuss: thriving in the arts, creative careers, music industry, financial stability, navigating income swings, student debt, pursuing passion, artistic ambition, financial balance, creative journey, performing and teaching, continuous learning, music gigs, financial planning, supportive community, building a reputation, managing unpredictable income, mental health, financial challenges, seasonal income, saving money, tax season, professionalism, creative fulfillment, careers in music, supportive family, engineering to music, odd jobs, wedding band gigs, social media networking, music production, gear investments, teaching music, networking in music, and financial unpredictability. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Understand the evolving definition of inflation, potential changes to medical debt reporting and their impact on your finances. Why does the consumer?s perception of inflation differ from the economist?s perspective? How does this shift in understanding impact our economy? Hosts Sean Pyles and Anna Helhoski talk about the gap between how regular people and economists talk about inflation and what this means for consumers. Chief Financial Correspondent at Axios and host of the Slate Money podcast, Felix Salmon, joins the show to discuss as well. Then, they explore the proposed Consumer Financial Protection Agency rule to keep medical debt off credit reports to help you understand how this could impact your credit score and financial well-being. You?ll walk away with a better understanding of the evolving definition of inflation, the potential changes to medical debt reporting, and how these shifts could influence your financial decisions. In their conversation, the Nerds discuss: inflation, medical debt, credit report, cfpb rule, consumer price index, economic impact, wage growth, financial news, inflation rate, credit score, debt reporting, financial advice, consumer perception, financial literacy, personal finance, economic trends, credit reporting agencies, election impact, financial podcast, smart money, debt management, economic discourse, financial wellbeing, inflation growth, finance tips, debt relief, money management, credit agencies, wage inflation, credit rules, debt collection, financial insights, money news, medical bills, credit impact, financial planning, debt impact To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

What drives Mathew Knowles, respected record executive, entrepreneur, author, public speaker, and father to Beyonce and Solange? This special presentation of the podcast Earn & Invest delves into what drove him to succeed and how drive has been both a positive and a negative in his life. The Earn & Invest podcast features thought-provoking conversations intended to empower you to earn and invest wisely, shaping your future while making informed decisions today. Every Monday, wide-ranging panel discussions explore various financial topics, fostering engaging conversations that challenge conventional wisdom and provide fresh perspectives. On Thursdays, Earn & Invest features individual interviews that offer deep insights from experts who share their experiences and expertise. The show's goal is to equip you with the essential questions necessary to navigate a richer path towards not only financial independence but living a life full of purpose, identity, and connections. Listen to Earn & Invest wherever you get your podcasts. Learn more at https://www.earnandinvest.com/

Learn how moving could benefit you if you feel compelled to relocate due to safety concerns ? and how to budget for a sudden move. How do you financially and emotionally prepare for relocating due to safety concerns?  What are the financial impacts of such a forced move?  Hosts Sean Pyles and Alieza Durana discuss their experiences planning finances for relocations to help you understand the complex challenges faced by individuals seeking safer environments, particularly in the LGBTQ+ community.  Alieza begins by interviewing G Chesler, a non-binary trans person, about their move from Washington DC to Portland, Oregon, providing valuable insight into the necessity of finding a supportive community, navigating healthcare and identity respect, and the emotional relief of living in an affirming environment. Their conversation reveals the deep emotional impact of living in a state that does not recognize or respect one's gender identity, the struggles with accessing appropriate healthcare, and the powerful sense of belonging found in a more accepting community. Then, Alieza speaks with Lindsey Young, founder of the LGBTQ+ focused financial planning and investment management services firm Quiet Wealth, about the financial aspects of relocating for safety. They discuss creating a relocation financial plan, managing the costs associated with a sudden move and the importance of building a supportive community in the new location. They also focus on how to minimize income loss, budget for moving expenses and strategically utilize debt. This episode addresses two pressing issues for the LGBTQ+ community: the urgency of relocating due to hostile environments and the strategies to mitigate the financial strain that accompanies such a move.  In their conversation, the Nerds discuss: LGBTQ+ relocation, financial planning, safe spaces for the LGBTQ+ community, emotional strategies, financial strategies, LGBTQ+ families, moving for safety, affordable cities, remote work, disability accommodations, community exchange networks, gender parity, workplace accessibility, hate crimes, discriminatory laws, queer community, non-binary transition costs, housing costs, sales tax savings, supportive communities, LGBTQ+ support organizations, moving expenses, financial stability, relocating for safety, job stability, moving costs, safety concerns, building connections, gender affirming care, LGBTQ+ legislation, and financial security. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn how consumer sentiment affects the economy and your finances, plus insights on job market trends and inflation impact. How do consumer sentiment indexes work and why should you care about them? What impact do these indexes have on the economy and your personal finances? Hosts Sean Pyles and Anna Helhoski discuss the intricacies of consumer sentiment, highlighting the University of Michigan's Index of Consumer Sentiment and The Conference Board's Consumer Confidence Index. They explain how these reports measure public feelings about the economy and why these sentiments matter in order to help you understand the influence of consumer opinions on economic trends and spending habits. Then, they delve into recent money news headlines, including job market trends and their implications for the economy. By examining the latest employment data, Sean and Anna provide insights into how job growth and unemployment rates influence Federal Reserve decisions and overall economic stability. They also break down the recent movement in GameStop stock following the return of day trader ?Roaring Kitty? Keith Gill and explain how your insurance rates could be impacted by your car collecting data on your driving habits. In their conversation, the Nerds discuss: consumer sentiment, economic indicators, job market trends, consumer confidence index, personal finance, inflation impact, recession signs, economic forecasts, financial stability, unemployment rate, Federal Reserve decisions, economic growth, job growth, spending habits, employment data, interest rates, economic stability, financial trends, economic health, stock market trends, meme stocks, financial news, economic conditions, wage growth, business conditions, future economy, inflation rate, economic predictions, financial planning, job market analysis, consumer opinions, economic reports, financial data, job creation, market analysis, and economic insights. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn about the psychology of gambling and smart tips for making home buying decisions amid undesirable interest rates. How can you gamble responsibly?  Should you use all your savings to buy a house outright or take on a high-interest mortgage? 00:48 Gambling Responsibly: Hosts Sean Pyles and Sara Rathner discuss the psychology behind gambling, particularly the concept of intermittent reinforcement. They also provide practical advice for responsible gambling, including how you can set and stick to a budget, understand the odds and know when to walk away. If you are struggling with gambling, then you can call the National Problem Gambling Hotline at 1-800-GAMBLER.  8:32 Today?s Money Question: Mortgage Nerd Kate Wood joins Sean and Sara to answer a listener?s question about whether they should buy a house with cash or take on a mortgage. They discuss the implications of high mortgage rates, the importance of maintaining a financial safety net, and alternative mortgage strategies to consider. In their conversation, the Nerds discuss: gambling, mitigating risk, high-interest mortgages, mortgage rates, responsible gambling, intermittent reinforcement, bankroll management, budget setting, buying a house, homeownership, financial safety net, mortgage strategies, home prices, Federal Reserve, inflation management, recession, financial security, financial conundrum, high yield savings, rent vs. buy, 15-year mortgage, 30-year mortgage, home repairs, home maintenance, private mortgage insurance, mortgage down payment, interest rates, economic indicators, behavioral psychology, understanding odds, financial strategy, liquidity, long-term financial goals, home affordability, economic landscape, mortgage options, and financial planning. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Understand the urge to spend money while scrolling on social media and learn strategies to control impulsive purchases. How does social media influence spending habits? What are practical strategies to spend less money while scrolling?  Hosts Sean Pyles and Amanda Barroso discuss the psychological tricks of social media and emotional spending to help you understand the subconscious factors that drive your online purchases. Amanda interviews Jillian Knight, a licensed marriage and family therapist and founder of the financial planning firm Her Financial Therapy, about the cycle of shame in impulsive buying, the importance of awareness before and during online activity, and practical tips like removing stored credit card information to prevent automatic purchases.  Then, Amanda talks to Dr. Brian Boxer Wachler, a medical director at the Cedars-Sinai Medical Center in Beverly Hills, about the addictive nature of social media. They discuss the dopamine-driven compulsion to scroll, setting app time limits, and engaging in alternative activities that boost dopamine in healthier ways.  Both guests offer insights on how to break the cycle of impulse buying, overcome social media addiction and maintain healthier spending habits, with strategies for recognizing emotional triggers, intentionally disconnecting from social media and finding joy in non-digital activities.  Get NordVPN 2Y plan + 4 months extra here ? https://nordvpn.com/smartmoneypod It?s risk-free with Nord?s 30-day money-back guarantee! In their conversation, the Nerds discuss: social media spending habits, emotional spending, impulse buying, social media addiction, financial strain, dopamine and spending, social media and shopping, influencer marketing, targeted advertising, visibility bias, breaking spending habits, online shopping addiction, managing finances, financial therapy, coping mechanisms, digital well-being, financial planning, saving money, consumer behavior, credit card debt, shopping habits, financial stress, mindful spending, psychological tricks, social media traps, one-click purchasing, spending triggers, social media algorithms, dopamine-boosting activities, financial health, impulse purchase prevention, shopping addiction, emotional buying, app time limits, relationship tensions, financial wellbeing, and online consumerism. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Discover how many people lie on insurance applications and the potential consequences you face when you do so. Is it okay to lie on your insurance application? What are the consequences if you do? Hosts Sean Pyles and Anna Helhoski discuss the findings from a recent NerdWallet survey revealing how many Americans admit to intentionally providing inaccurate information on their insurance applications and delve into the generational and gender differences in attitudes toward this behavior. Learn why people justify these lies and the potential legal and financial repercussions of being dishonest on your insurance forms. Then, they break down the latest money headlines, starting with a promising decline in delinquencies reported by VantageScore. They also discuss the IRS expanding its free filing software program and how a recent decline in grocery store prices could affect your bottom line. In their conversation, the Nerds discuss: insurance fraud, lying on insurance applications, insurance rates, saving money on insurance, insurance applications, insurance deception, financial honesty, life insurance, auto insurance, consumer debt, debt delinquencies, credit score, personal loans, credit card debt, IRS free filing software, Direct File, tax preparation, inflation, grocery prices, lowering grocery costs, Aldi discounts, Target discounts, Amazon Fresh discounts, financial news, insurance industry, high-risk hobbies insurance, marijuana habits insurance, insurance consequences, consumer finance, financial tips, money management, credit health, tax filing season, insurance coverage, and economic trends. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn handy tips you probably didn?t know about credit cards and why paying off loans could actually lower your credit score. 00:35 Credit Card Tips: What are some helpful credit card tips? Can paying off your student debt negatively affect your credit score? Hosts Sean Pyles and Sara Rathner discuss insider credit card tips to help you understand our options when shopping for and using credit cards. They begin with tips and tricks on navigating interest rate changes, maximizing reward points, limits on applying for new credit cards, and how you can strategically upgrade or downgrade your credit cards.  6:00 Listener Conversation: Xay from Minnesota joins Sean and Sara to discuss the end of their student loan journey and ask questions about the impact on their credit score as they plan to finance a new car. The Nerds dive deep into how paying off a loan might affect your credit score and share strategies to manage credit card debt for better credit utilization. They provide practical tips on building and maintaining a strong credit score, including the benefits of secured credit cards and credit builder loans. They also share strategies for car shopping, including loan pre-approval and considering a mix of new and used vehicles. NerdBuild is a credit-building loan designed for those with no or low credit history. Just set your automatic monthly payments and watch your credit score climb. Learn more at https://www.nerdwallet.com/article/finance/how-to-build-credit  Get NordVPN 2Y plan + 4 months extra here ? https://nordvpn.com/smartmoneypod It?s risk-free with Nord?s 30-day money-back guarantee! In their conversation, the Nerds discuss: credit card interest rates, credit scores, student loans, credit card debt, auto loans, financial tips, credit card hacks, credit utilization, credit card points, loan pre-approvals, car loans, paying off student loans, credit card interest rates, credit builder loans, NerdBuild, credit card signup bonuses, credit card companies, how to manage credit card debt, credit limit, Federal Reserve, credit score simulator, debt to income ratio, credit mix, car shopping, product change, loan rates, financial goals, side hustles, credit report, credit score calculation, budget calculator, credit builder loan, car financing, credit union, and mix of credit. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Author Jake Cousineau explains why it?s important to teach interest and budgeting to students ? and how to learn as an adult. How can you understand complex personal finance topics as an adult?  What strategies can young people use to achieve financial independence?  Personal Finance Nerd Kim Palmer talks to Jake Cousineau, author of How to Adult: Personal Finance in the Real World, about the significance of personal finance education and the intricacies of interest rates to help you understand the impact of financial decisions on your future. They begin with a discussion of the importance of teaching personal finance to high school students, with tips and tricks on budgeting, investing, and managing credit. Then, they discuss the impact of APR on loans, the long-term financial effects of interest rates on major purchases, the financial impact of having a good or bad credit score, and the transformative power of automated savings and index fund investments. In their conversation, the Nerds discuss: personal finance, investing, budgeting, financial literacy, credit score, compound interest, index funds, retirement savings, student loans, APR, financial education, wealth building, financial independence, automated savings, money management, financial health, financial planning, loan repayment, interest rates, saving for the future, debt management, financial freedom, budgeting pitfalls, financial knowledge, credit management, financial wisdom, financial illiteracy, personal finance books, managing money, smart budgeting, housing costs, transportation costs, food budgeting, and financial confidence. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Learn why randomly choosing individual stocks can beat expert investing strategies ? and what that means for your portfolio. Can random stock picks outperform Wall Street professionals? What kind of portfolio returns can low-cost index investing drive? Hosts Sean Pyles and Anna Helhoski delve into the astonishing results of a dart-throwing experiment by Wall Street Journal columnist Spencer Jakab and his team, which pitted random stock selections against high-profile hedge fund picks. The hosts explore this intriguing setup and its outcomes, offering actionable insights into the power of simple, low-cost index funds and ETFs over expensive investment managers. Their insights are intended to offer a better understanding of the practicality of low-cost index funds, the importance of maintaining a diversified portfolio, and the pitfalls of frequent market adjustments. Then, Sean and Anna delve into the latest financial headlines, including findings from the Federal Reserve's Economic Well-Being of US Households report for 2023, April?s drop in home sales, and Google Flights adding Southwest Airlines fares to its search results. In their conversation, the Nerds discuss: index funds, investment strategies, stock market, ETFs, dart-throwing experiment, investing tips, low-cost investing, financial wellbeing, active vs. passive investing, hedge funds, portfolio diversification, The Wall Street Journal, stock picks, investment success, random stock selection, economic well-being, smarter investing, outperforming the pros, investment managers, A Random Walk Down Wall Street by Burton Malkiel, stock listings, mutual funds, stock performance, financial journalists, retirement savings, financial stress, household income, emergency expenses, high mortgage rates, affordable housing, home sales, previously owned homes, Google Flights, Southwest Airlines, travel expenses, airfare comparison, financial education, money management, financial planning, investment portfolio, stock market analysis, market adjustments, investment risks, and diversification benefits. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Are credit card rewards points more valuable than cash back? This special presentation of All the Hacks with Chris Hutchins features deep dive into credit cards, with a focus on cash back versus points. Chris goes deep on strategies for every spending category and shares his analysis of how to optimize points vs. cash back for the best return on investment. All the Hacks with Chris Hutchins is a podcast about optimizing all aspects of your life, from travel to money to health to work and more. Chris is a life hacker who has saved millions by breaking down every aspect of life. And on his show, he teaches you all the tactics, tricks and tips you need to upgrade your life, money, and even travel. Get more financial ideas by listening to All the Hacks with Chris Hutchins wherever you get your podcasts. Learn more about all the Hacks with Chris Hutchins: https://www.allthehacks.com/

Brittney Reynolds explains how sharing her finances publicly on social media helped her get out of debt and develop a new community. What are the benefits of sharing your finances publicly?  How is social media changing the way people talk about money?  Hosts Sean Pyles and Elizabeth Ayoola discuss the rise of financial transparency on social media and its impact on community building to help you understand the power of vulnerability in achieving financial freedom.  Sean speaks with Brittney Reynolds, who candidly shared her journey of getting out of debt to her audience on TikTok, where she currently has more than 90,000 followers. They discuss the trend of people publicly sharing their financial journeys on social media platforms like TikTok, with tips and tricks on reducing debt shame, fostering supportive online communities, and navigating the pressures of content creation post-debt payoff. They also discuss the sense of class solidarity that comes from such vulnerability and how the online community champions transparency and authenticity in the pursuit of managing money. In their conversation, the Nerds discuss: personal finance, social media, financial freedom, credit card debt, debt repayment, community building, financial transparency, financial journey, money management, budgeting, saving money, debt payoff, financial struggles, credit card interest, financial openness, class solidarity, online communities, digital storytelling, financial shame, managing money, debt-free, personal finances, financial exposure, brand deals, influencer marketing, savings goals, money taboos, social media influence, money secrecy, financial vulnerability, financial authenticity, and financial solidarity. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.

Writer, producer, and actor Felicia Day shares her financial journey working in Hollywood, with tips for managing your budget when gigs are inconsistent. What Is Your Time Worth? How do you value your time outside of work?  How can you manage finances in an unpredictable career like acting?  Hosts Sean Pyles and Sara Rathner discuss the concept of time valuation to help you understand how to balance personal worth against income. They begin with a discussion of time valuation, offering insights on the average hourly value people place on their time, the impact of this valuation on life decisions and assessing the value of unpaid personal tasks.  06:10 Interview with Felicia Day Sean speaks with Felicia Day about the financial strategies she employed to maintain an unstable career in Hollywood. They tackle topics such as frugal habits, the significance of diversifying one's portfolio for career longevity and aligning creative passions with financial stability. Plus: How to understand the financial education that you may have received even without having ever been given a formal financial education. In their conversation, the Nerds discuss: Hollywood finances, managing finances, acting career, freelancing lifestyle, financial strategies, financial acumen, Hollywood journey, value of time, budgeting tactics, work-life balance, career growth, financial stability, creative careers, personal well-being, professional satisfaction, financial security, generational differences, personal time investment, freelancing finances, unstable careers, diversifying skills, frugality, budgeting skills, theoretical mathematics, content creation, business acumen, media industry, creative fulfillment, career shifts, entrepreneurial leaps, work-life harmony, managing a budget, career resilience, and skills diversification. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend.