NerdWallet's Smart Money Podcast
NerdWallet Personal Finance
NerdWallet’s trusted finance journalists answer real-world money questions to help you make smarter financial decisions with confidence.Each episode dives deep into topics like budgeting, saving, investing, home buying, and credit cards, cutting through misinformation to bring you clear, actionable advice backed by thorough research.By the end of every episode, you’ll have the latest financial insights and the tools you’ll need to manage your money wisely, build wealth, and plan for life’s milestones. And if you have questions for the Nerds, you can leave them a voicemail at 901-730-6373.Join hosts Sean Pyles, CFP®, Elizabeth Ayoola, and other expert Nerds as they answer your biggest money questions and share strategies to help you build wealth and reach your financial goals, including:– Investing: Advanced investment strategies, integrating ETFs and mutual funds into a diversified portfolio, tax-efficient retirement planning, understanding Roth IRA conversions, and navigating robo-advisors.– Credit Cards: Top credit cards for travel rewards and luxury perks, balance transfer strategies, maximizing credit card points, and optimizing credit card usage to boost your credit score.– Personal Finance: Advanced budgeting tips, building generational wealth, creating effective savings plans, managing high-income expenses, and developing a strong money growth mindset.– Home: Smart strategies for homebuying in competitive markets, leveraging home equity loans and HELOCs, refinancing for long-term savings, first-time homebuying tips, and budgeting for major home improvements.If you’re searching for the best personal finance podcasts or want practical knowledge to make smarter money decisions, then follow NerdWallet’s Smart Money Podcast.You’ll love NerdWallet’s Smart Money Podcast if you like podcasts like: Planet Money, The Personal Finance Podcast, DIY Money, Afford Anything, How to Money, The Ramsey Show, Money Rehab with Nicole Lapin, NPR’s Life Kit: Money, Popcorn Finance, Money Girl,Money Guy Show, Everyone’s Talkin’ Money, So Money with Farnoosh Tarabi, The Money with Katie Show, All the Hacks with Chris Hutchins, The Stacking Benjamins Show, MoneyWatch with Jill Schlesinger, or Your Money, Your Wealth.NerdWallet Compare, Inc. NMLS ID# 1617539 NMLS Consumer Access: http://www.nmlsconsumeraccess.org/
Episodes
Mentioned books
Aug 11, 2025 • 37min
Stop Living by One-Size-Fits-All Budgets — and Paying for One-Size-Fits-All Financial Advice
Dana Miranda, an unconventional personal finance author, and James Bashall, a financial advisor with NerdWallet Wealth Partners, discuss the pitfalls of adhering to rigid budgeting rules. Dana argues for personalized spending methods and sees emergency funds as opportunities rather than safety nets. James shares insights into various financial advisor fees, helping listeners understand the value and implications of paying for financial advice. Together, they challenge traditional finance norms, emphasizing tailored solutions over one-size-fits-all approaches.
10 snips
Aug 7, 2025 • 32min
Here’s What Tariffs Could Cost You (Plus: Downgrade or Ditch Your Premium Card?)
In this engaging discussion, Anna Helhoski, a NerdWallet news writer, and credit card expert Melissa Lambarena provide keen insights into the current economic landscape. They analyze how new U.S. tariffs might inflate everyday goods and car prices. From the latest job reports to inflation trends, they illuminate the broader economic implications. Melissa also explores whether high-fee premium credit cards are worthwhile, offering strategies on downgrading or keeping them, as well as understanding the impact on credit scores.
8 snips
Aug 4, 2025 • 35min
More Money, More Priorities: Don’t Let a Bigger Paycheck Go to Waste
A listener navigates his new high-paying job, contemplating the best strategies for managing his Roth IRA and savings accounts. The hosts tackle whether a Roth IRA can function like a savings account while prioritizing savings, debt, and retirement. They also examine the risks associated with Buy Now, Pay Later loans and emphasize the importance of informed financial decisions. Listeners learn to balance multiple savings goals and optimize their finances, avoiding analysis paralysis in the process.
Jul 31, 2025 • 36min
Does Medical Debt Impact Your Credit Score? And How Much Do You Really Need To Save for a Home
In this engaging discussion, Rohit Chopra, former director of the Consumer Financial Protection Bureau, sheds light on how medical debt impacts credit scores and the recent legal changes affecting borrowers. He emphasizes the importance of consumer protection and shares practical tips for managing medical debt. Later, housing expert Kate Wood discusses smart saving strategies for first-time homebuyers, debunking the 20% down payment myth and highlighting the necessity of understanding closing costs and down payment assistance programs. Get ready to rethink your financial approach!
8 snips
Jul 28, 2025 • 30min
The Right Way to Dodge Scams, Plus Learn How Robo-Investing Works
Scramble Hughes, a talented circus performer and acrobat, shares a gripping tale of identity theft involving credit card fraud. Listeners learn vital strategies for recognizing scams and responding swiftly to protect their finances. The discussion extends to comparing robo-advisors to traditional brokerage accounts, exploring the associated risks and protections. Insights about choosing the right investment platform and the importance of emotional resilience during financial mishaps make this an engaging and informative listen.
15 snips
Jul 24, 2025 • 36min
Housing Market in Flux: Should You Buy Now Before Prices Shift? (Plus: How Teens Can Build Credit)
In this discussion, Kate Wood, NerdWallet's home expert, shares valuable insights on the fluctuating housing market. She reveals whether now is a smart time to buy property or if waiting may yield better results. The conversation dives into rising mortgage rates and the shifting landscape of U.S. cities. Additionally, tips abound for empowering teens to build responsible credit habits. Strategies for transitioning from student life to financial independence and encouraging long-term wealth are explored, making this a must-listen for savvy parents.
40 snips
Jul 21, 2025 • 33min
Savings Bonds Explained: When to Buy, When to Cash In, and If They’re Still Worth It
In this engaging discussion, Sam Taube, an Investing Nerd at NerdWallet, shares his insights on savings bonds and investment strategies. He breaks down different types of bonds, including Series EE and I Bonds, and highlights their tax implications. The talk also explores whether these bonds are worthwhile for long-term investments, particularly for children's education. Additionally, the hosts offer valuable tips on budgeting for group travel, emphasizing communication and financial boundaries to create memorable experiences.
24 snips
Jul 17, 2025 • 30min
SALT Cap Raised, Clean Energy Credits Ending: Adapt Your Finances to the “Big, Beautiful Bill”
Anna Helhoski, a senior news writer, delves into the implications of a major budget bill on taxes, detailing changes like new car loan deductions and clean energy credit rollbacks. She also discusses how these shifts may impact future tax strategies. Personal finance expert Kate Ashford then offers advice on managing finances while on disability, covering key topics like SSDI vs. SSI, saving strategies, and the emotional aspects of financial transitions. Essential insights for adapting to life’s changes and navigating financial challenges abound!
14 snips
Jul 14, 2025 • 38min
Smart Planning Sessions: Go “Work Optional” and Move Retirement Funds Penalty-Free (Plus: Your Midyear Money Check-In)
In this episode, financial expert Taylor Schulte, CFP and CEO of Define Financial, shares insights on achieving a 'work optional' retirement. He explains how to transfer Roth IRA funds penalty-free using the 60-day rollover rule while minimizing market risks. The conversation also covers essential budgeting strategies for present enjoyment versus future savings and evaluates various custodians for managing investments. Schulte emphasizes the importance of disability insurance and tailored financial plans, helping listeners navigate their financial journeys effectively.
4 snips
Jul 10, 2025 • 33min
Buy Now, Pay Later Comes at a Price: Credit Score Risks You Need to Know (Plus: $124k Windfall Tips)
Joining the discussion are Alana Benson, an Investing Nerd at NerdWallet, and Jackie Veling, a personal loans writer and BNPL authority. They dive into the nitty-gritty of Buy Now, Pay Later services, exploring how these options can impact credit scores. The conversation shifts to managing unexpected wealth, specifically a $124,000 inheritance, with tips on balancing investments, debt, and enjoying life. Listeners learn about the importance of understanding investment fees and selecting the right accounts for their financial goals.
