NerdWallet's Smart Money Podcast

NerdWallet's Smart Money Podcast

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

July 17, 2025 30 mins
Learn what the One Big Beautiful Bill Act means for your taxes, benefits, and financial planning. Then, understand how to adapt to living on disability insurance. What tax changes are coming from the federal budget bill? Can you save money while living on disability? Hosts Sean Pyles and Elizabeth Ayoola unpack the latest legislative changes to help you understand how they’ll impact your finances. Joined by senior news writer Anna...
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In this month’s Smart Planning segment, a financial advisor discusses how to transfer retirement funds penalty-free and how to adopt a “work optional” mindset.  How can you check in on your financial progress halfway through the year? What steps do you need to follow to move your Roth IRA from a robo-advisor to a self-directed platform without paying taxes? Before welcoming listener Dan to the show to answer his financial questi...
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Understand how Buy Now, Pay Later financing options affect your credit and learn smart strategies for using a six-figure inheritance wisely. How does Buy Now, Pay Later (BNPL) affect your credit score? What’s the smartest way to invest or use an unexpected inheritance? Hosts Sean Pyles and Elizabeth Ayoola discuss the evolving credit implications of BNPL services and break down how to manage a money windfall responsibly. Joined ...
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Learn how to approach Amazon Prime day without blowing your budget and hear how you can start to understand the emotions that might be driving your spending.  What are the best ways to take advantage of big sales like Amazon Prime Day but still stay on track with your budget? How can you get a handle on emotional spending and the guilt that comes with it? Hosts Sean Pyles and Elizabeth Ayoola dive into how to approach your budget,...
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Learn how to navigate gas prices this summer, then hear how to make your money work after retiring early and moving abroad. What’s going on with gas prices this summer? How can early retirees turn their savings into income abroad? Hosts Sean Pyles and Elizabeth Ayoola discuss gas price trends and smart investment options for early retirees to help you plan a smoother ride — both on the road and in your financial journey. Joined by...
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Learn how to reset spending habits after emotional setbacks and protect yourself from job scams that cost real money. How do you reset your money goals after emotional setbacks? How do you avoid job scams that steal your savings? Hosts Sean Pyles and Elizabeth Ayoola discuss mindful spending and scam recovery to help you stay in control of your financial life. They begin by welcoming NerdWallet writer Amanda Barroso to share a can...
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Get tips to reclaim your time from the “infinite workday,” then learn how to build retirement savings as a stay-at-home parent. How do you reclaim your time in an always-on work culture? How can stay-at-home parents keep building retirement savings? Hosts Sean Pyles and Elizabeth Ayoola discuss the rise of the “infinite workday” and answer a listener’s question about how to save for retirement as a stay-at-home parent. First, Nerd...
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Explore strategies to strengthen your finances and get smart answers to common home buying and mortgage questions. When you're looking to buy your next home, should you pay off your current mortgage or save more for a down payment? How does mortgage recasting work? Hosts Sean Pyles and Elizabeth Ayoola answer several questions from listeners about home buying and renting. But first, they talk with NerdWallet experts Amy Knight and...
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Learn whether you’re saving enough money in 2025. Then, learn where to keep conservatorship funds to safely earn interest. What is the average American saving in 2025? Where can you keep conservatorship funds to earn interest? Hosts Sean Pyles and Elizabeth Ayoola tackle a listener’s question about how to grow savings when managing a conservatorship account. But first, Elizabeth welcomes Anna Helhoski, NerdWallet senior writer, an...
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In this month’s Smart Planning segment, a financial advisor discusses how to build a smarter debt payoff plan without sacrificing long-term financial goals. What’s the smartest way to make progress on credit card debt when budgeting alone isn’t cutting it? When can debt consolidation tools actually make your situation worse? Hosts Sean Pyles and Elizabeth Ayoola discuss strategies for getting out of debt without sacrificing long...
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Learn how to use AI to boost your career and finances — plus, what to do when debt consolidation tanks your credit score. How can you use AI to stay competitive in your career and manage your money better? What should you do when debt consolidation tanks your credit score? Hosts Sean Pyles and Elizabeth Ayoola discuss the rapid rise of generative AI and how it’s reshaping both the workplace and personal finance tools. Senior new...
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Learn how to negotiate higher pay and choose between Roth vs. traditional retirement accounts with confidence. How can you negotiate for a raise in an uncertain economy? Should you invest in a Roth or traditional retirement account? Hosts Sean Pyles and Elizabeth Ayoola discuss career strategies and retirement planning to help you maximize your earning potential and long-term savings. Joined by Mandi Woodruff-Santos, career coach ...
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Learn how to keep calm and carry on with smart money moves and car buying plans amid tariffs, market swings, and rising prices. Should you buy a car now or wait — even if prices are expected to rise? How can you navigate the financial noise of today’s economy without losing your cool? Hosts Sean Pyles and Elizabeth Ayoola discuss coping with economic uncertainty and the impact of tariffs on consumer behavior. Joined by NerdWalle...
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Reset your vacation budget and learn about the real work it takes to manage a rental property as a new or aspiring landlord. How can you get back on budget after overspending on vacation? What should you know before turning a home into a rental property? Hosts Sean Pyles and Elizabeth Ayoola discuss navigating the financial aftermath of travel and break down the real-world expectations of becoming a landlord. Joined by Lisa Gree...
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Learn what a U.S. credit downgrade means for your portfolio, plus find out when it might be time to cancel your travel credit card. What does the U.S. credit rating downgrade mean for your investments? Should you cancel your travel credit card if the perks no longer justify the fee? Hosts Sean Pyles and Elizabeth Ayoola discuss the U.S. government’s recent credit downgrade by Moody’s and how it could impact markets, borrowing co...
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Planning a big move? Learn how to decide whether you should sell or rent your home and fund your next down payment. Should you sell or rent out your home when you move? What’s the best way to fund a down payment from multiple accounts? Host Sean Pyles talks to NerdWallet writer Lisa Green about the big financial decisions that come with relocating across a long distance. Joined by listener David, they explore how to evaluate wheth...
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Learn what stagflation could mean for your finances and how to tell if you need life insurance. Do you still need life insurance if you’ve built enough wealth? What does stagflation mean for your financial plan? Hosts Elizabeth Ayoola and Sean Pyles discuss how to determine whether your life insurance coverage still fits your needs and what to watch for as economists warn about potential stagflation. First, along with NerdWallet s...
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In this month’s Smart Planning segment, a financial advisor discusses when it might make sense to scale back your 401(k) contributions. Is it safe to invest right now? Should you keep contributing to your retirement account when the economy feels uncertain? Hosts Sean Pyles and Elizabeth Ayoola discuss how to navigate turbulent financial times by focusing on long-term investing strategies and what you can control. They break dow...
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When is buying “Made in the USA” worth it? Plus, learn where to stash savings for home repairs to maximize your returns. What does it mean when something is “Made in the USA”? Should you use a money market or high-yield savings account for home repairs? Hosts Sean Pyles and Elizabeth Ayoola discuss how to evaluate products labeled “Made in the USA” and how tariffs and global supply chains influence pricing and availability. Joined...
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Learn how to navigate job loss and reshape your money mindset to feel more in control — emotionally and financially. What should you do with your money after losing a job? How can you feel better about money and stop stressing about finances? Hosts Sean Pyles and Elizabeth Ayoola discuss managing job loss and improving your relationship with money to help you understand both the practical and emotional sides of financial well-bein...
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