NerdWallet's Smart Money Podcast

See what 2026’s housing costs and mortgage rates might mean for your homebuying plans and learn when you can safely coast on retirement savings. How is the housing market reshaping homebuying going into 2026? When can you stop saving for retirement and still feel confident about your future? Hosts Sean Pyles and Elizabeth Ayoola discuss Coast FI and long-term retirement planning to help you understand when “enough” might truly be enough. But first, senior news writer Anna Helhoski joins Sean and Elizabeth to discuss the year in housing with mortgage writers Holden Lewis and Kate Wood. They review how ultra-low pandemic mortgage rates helped fuel today’s affordability crisis, why rising climate risks are driving up home insurance and escrow costs for owners, and how shifting trends like older first-time buyers and fewer buyers with kids are changing what “normal” looks like in the housing market. Then, Sean and Elizabeth discuss Coast FI with listener Paul, who wonders if his roughly $3 million nest egg means he can finally ease off saving for retirement. They discuss how Coast FI differs from traditional FIRE (Financial Independence, Retire Early), ways to manage retirement anxiety even when the math says you’re on track, and how a certified financial planner can use tools like Monte Carlo simulations to pressure-test a plan. They also explore balancing long-term security with near-term goals like travel, buying a home, or upgrading a car, strategies for diversifying investments and accounts for tax efficiency, and how to gently transition from aggressive saving to actually enjoying more of your money today. NerdWallet Wealth Partners is a fiduciary online financial advisor, offering low-cost, comprehensive financial advice and investment management: https://nerdwalletwealthpartners.com/  Inspired to navigate your finances with an advisor? Use NerdWallet Advisors Match to find vetted professionals today at https://www.nerdwalletadvisors.com/match  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: housing market 2026 forecast, housing affordability crisis, mortgage rates 2026, climate change home insurance, rising home insurance premiums, escrow costs increase, home buying budget, when to buy a house, renting vs buying a home, age of first time homebuyer, delaying homeownership, property taxes and insurance costs, Coast FIRE, how much is enough to retire, retirement anxiety, financial independence, living below your means, high savings rate, couples financial planning, Monte Carlo simulation retirement, certified financial planner, balancing saving and spending, money fears, money stories, currency risk in retirement, travel in retirement, and multiple savings goals. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to donate effectively for Giving Tuesday and juggle multiple credit cards without hurting your credit score. How can you donate more intentionally on Giving Tuesday without blowing your budget? Does having multiple credit cards hurt your credit score? Hosts Elizabeth Ayoola and Sean Pyles discuss charitable giving and credit card management to help you support causes you care about while protecting your finances. Joined by Grace Nicolette, Vice President of Programming and External Relations at the Center for Effective Philanthropy and co-host of the Giving Done Right podcast, they begin with a discussion of how Giving Tuesday started and why intentional giving matters. They share tips and tricks on setting a realistic donation goal, choosing causes that align with your values, and spotting nonprofit red flags beyond “overhead ratios.” Grace also explains how to plan giving throughout the year, how to research organizations using public filings and news coverage, ways to overcome “do-gooder paralysis,” and the benefits of involving family and friends so giving becomes a shared, values-driven habit. Then, NerdWallet credit card and travel rewards expert Erin Hurd joins Elizabeth and Sean to discuss how having multiple credit cards (and we mean multiple!) can affect your credit score and day-to-day money life. They discuss why the number of cards you have matters less than how you manage them, how credit utilization and credit age really work, and why aggressive “churning” — opening cards for bonuses and quickly closing them — can backfire. Erin walks through how a large card lineup can actually help your utilization if you avoid overspending and always pay in full, why she treats card collecting as a long game, and how business cards may not show up on your personal credit report. She shares tactics for deciding when to keep, downgrade, or cancel a card with an annual fee, how to get value from airline and hotel perks, and how to avoid feeling overwhelmed by multiple accounts using tools like aligned due dates, autopay, spreadsheets, and digital tools such as the NerdWallet app. Resources discussed in this episode: How to Upgrade or Downgrade Your Credit Card: https://www.nerdwallet.com/credit-cards/learn/how-to-upgrade-downgrade-your-credit-card  7 Credit Card Tips Everyone Should Know https://www.nerdwallet.com/credit-cards/learn/credit-card-tips-everyone-should-know  How to Stay Organized When You Have Multiple Credit Cards https://www.nerdwallet.com/credit-cards/learn/stay-organized-multiple-credit-cards I’ve Had 80 Credit Cards. Here’s What I’ve Learned. https://www.nerdwallet.com/travel/news/multiple-credit-cards-what-i-learned  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: mutual aid, community fundraising, grassroots giving, community foundations, expressive giving, philanthropic trends, giving circles, BCU funding, nonprofit audits, IRS nonprofit status, legal issues nonprofits, administrative overhead myth, nonprofit sustainability, tax deduction limits, adjusted gross income deduction limits, itemizing charitable contributions, donor research tools, nonprofit annual reports, avoiding donor overwhelm, values-based decision making, recurring donations, family giving conversations, business credit cards and scoring, issuer family rules, credit card guardrails, signup bonus minimum spend, annual night certificates, free checked bag benefits, priority boarding perks, rotating bonus categories, rewards tracking apps, travel loyalty programs. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

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-being. NerdWallet writer Kim Palmer joins the show to share her conversation with Aja Evans, a financial therapist and author of Feel-Good Finance: Untangle Your Relationship with Money for Better Mental, Emotional, and Financial Well-Being. They discuss money taboos and financial trauma, with tips and tricks on how to open up about money, build healthier habits, and understand your emotional triggers. Then, Bri, a listener from Chicago, joins Sean and Elizabeth to discuss navigating job loss and making tough financial decisions. They discuss how to choose between COBRA and marketplace health insurance, when to consider tapping savings or debt, and how to balance job search priorities without derailing your financial future. They also share smart strategies for cutting spending, staying motivated with rewards-based goals, and deciding what to do with old retirement accounts. Learn more about NerdWallet’s Smart Money Podcast Book Club: https://www.nerdwallet.com/article/finance/bookclub  In their conversation, the Nerds discuss: job loss finances, what to do after losing a job, COBRA vs marketplace insurance, unemployment benefits, high-yield savings accounts, emotional spending, financial trauma, money shame, how to budget after layoff, unemployment job search tips, how to choose health insurance after job loss, rollover retirement account, how to talk about money, financial therapy, coping with job loss, 50/30/20 budget rule, rebuilding emergency funds, how to negotiate salary, unemployment and freelance work, how to cut spending fast, when to tap retirement savings, mental health and money, money mindset, smart budgeting strategies, financial stress relief, marketplace health insurance, spending triggers, navigating layoffs, unemployment and part-time work, personal budgeting goals, rebuilding after job loss, job loss recovery plan, financial therapy techniques, affordable health insurance options, rolling over 401(k), money taboos, improving financial habits, saving during unemployment, and the emotional impact of job loss. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to spot real Black Friday deals and reshape your budget with a step-by-step money makeover. What should you watch for on Black Friday to avoid fake discounts? How can you reset your budget when debt and housing costs squeeze you? Hosts Sean Pyles and Elizabeth Ayoola discuss holiday shopping and budgeting to help you spend smarter without regrets. First, Amanda Barroso joins Elizabeth to break down Black Friday 2025: why the season now stretches from October through Cyber Monday, how members-only promos (think Prime, store cards, Walmart+) and stacked discounts can boost real savings, and why Buy Now, Pay Later could hit your credit score if you miss payments as new scoring models roll out. They also talk about dynamic pricing, where to expect the deepest markdowns (tech, toys, beauty, small appliances), and low-lift ways to track prices so you don’t fall for “half deals.” Then, listener Shelby joins Sean and Elizabeth for a Budget Rehab using the 50/30/20 framework. They discuss right-sizing “needs” when housing is eating up a large chunk of take-home pay, ways to accelerate payoff on 20%+ APR cards (including a 0% balance transfer and when to combine multiple balances), and how to keep momentum while protecting essentials like a starter emergency fund and capturing a 401(k) match. They also cover fine-tuning wants so they take up less income, using side hustles to help with debt payoff, planning ahead for a 3-2-1 mortgage buydown reset and possible refinance, and simple tracking tactics that align spending with values. Resources mentioned in this episode: What to Buy (and Skip) on Black Friday 2025: https://www.nerdwallet.com/finance/learn/what-to-buy-skip-black-friday  NerdWallet Advisor Match: https://www.nerdwallet.com/l/advisor-match-sem-fiduciary  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: Black Friday deals, buy now pay later, 50/30/20 budget, balance transfer credit card, credit card debt payoff, dynamic pricing, price tracking, zero APR credit card, credit score impact, FICO scoring changes, holiday shopping budget, real vs fake discounts, Prime member deals, Walmart Plus deals, Target Black Friday, gift card discounts, streaming service deals, thrifting gifts, sinking fund, high-yield savings account, emergency fund, 401k match, HSA contributions, IRA contributions, debt avalanche method, wants vs needs, refinancing a mortgage, 3-2-1 buydown, HOA costs, grocery budget tips, Austin cost of living, side hustle income, calendar payment reminders, credit utilization, hard vs soft inquiry, credit card APR, Southwest credit card, Chase Freedom, budget rehab, Nerd hotline To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to save on Thanksgiving dinner and decide if filing taxes jointly makes sense for common law couples. How can you trim your Thanksgiving costs without skimping on the feast? Should common law spouses file taxes jointly or separately? Hosts Sean Pyles and Elizabeth Ayoola dig into tax choices for couples to help you understand which filing status may fit your situation and what to weigh before you commit. But first, Anna Helhoski joins Elizabeth to unpack why the cost of a classic Thanksgiving dinner is down this year and how to shop smart for the expanded table. They cover where prices fell and rose across the holiday menu, what turkey deals and meal bundles at places like Aldi, Walmart and Target could mean for your budget, and why recently reduced food tariffs may take time to show up on store shelves. Then, tax Nerd Bella Avila joins Sean and Elizabeth to answer a listener’s question about common law marriage and taxes. They discuss when married filing jointly versus separately can lower your bill, how IRS rules treat common law marriages (and what to consider if you move states), and practical to-dos like updating your W-4 within 10 days, timing a name change, and reviewing credit and student loan implications. They also touch on cohabitation agreements (a “prenup” for common law couples) and why clear money conversations matter before you file. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: common law marriage, file taxes jointly common law, married filing jointly vs separately, Thanksgiving dinner cost 2025, turkey prices 2025, food inflation CPI, Aldi Thanksgiving meal, Walmart Thanksgiving meal, Target Thanksgiving bundle, Whole Foods Thanksgiving dinner price, Harry and David Thanksgiving meal, save money on Thanksgiving, store brand vs name brand, frozen vegetables price, sweet potato shortage North Carolina, avian flu turkey prices, food tariffs 2025, Trump food tariff rollback, grocery prices outlook, head of household vs single, surviving spouse filing status, education credits married filing separately, child tax credit MFS rules, medical expense deduction 7.5% AGI, W-4 update after marriage, add domestic partner to health insurance, dependent eligibility common law spouse, IRS rules common law marriage, cohabitation agreement, prenup cost and timeline, name change and taxes, tax brackets married vs single, standard deduction married filing jointly, and credit and deductions phaseouts joint filers. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how first-generation earners build wealth and how to grow an emergency fund before a possible job loss. How do first-generation earners start and protect generational wealth? How can you bulk up an emergency fund fast if layoffs are looming? Hosts Sean Pyles and Elizabeth Ayoola discuss first-generation wealth building and how to build an emergency fund. Elizabeth first welcomes Grace Vandecruze, founder and managing director at Grace Global Capital LLC, to discuss being the first in her family to accumulate wealth with the goal of passing it down to future generations. Vandecruze shares tips and tricks on shifting a scarcity money mindset, setting firm boundaries with relatives who ask for financial help, and laying a 100-year legacy with insurance, wills, and family money conversations. Then, personal finance Nerd Kim Palmer joins Sean and Elizabeth to discuss fast-tracking an emergency fund before a potential job loss. They discuss smart places to cut variable spending, how to route side-gig income to savings while setting aside money for taxes. They also go over ways to adjust retirement contributions while using frameworks such as the 50/30/20 budget, bare-bones budgeting, and high-yield savings to manage irregular income and avoid slipping back into credit card debt. How to Make Money Online and Offline in 2025: https://www.nerdwallet.com/finance/learn/how-to-make-money  Homeless to Millionaire : 6 Keys to UPLIFT your Financial Abundance Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: budgeting with irregular income, side hustles to make money, no spend challenge, meal planning savings, grocery loyalty programs, variable vs fixed expenses, bare bones budget, high yield savings account, side gig taxes, estimated tax payments, consulting side income, adjunct professor income, nonprofit layoffs, student loan payoff strategy, save bonus vs salary, 403b match, pause retirement contributions, estate planning basics, will and power of attorney, life insurance for families, family money boundaries, saying no to money requests, financial literacy, legacy planning, intergenerational wealth transfer, talking about money with family, and underinsured households. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover how current economic data affect you and decide if a Roth or Traditional IRA is the most appropriate option for your retirement savings. What’s happening with layoffs and the economy right now? How should you be thinking about the data used to determine the economy's health, and what does it mean for your personal finances? Hosts Elizabeth Ayoola and Sean Pyles discuss non-traditional financial indicators and Roth IRAs versus Traditional IRAs to help you understand the current economic landscape and make smarter retirement contribution choices. First, Elizabeth shares her conversation with NerdWallet senior economist Elizabeth Renter about how we can gauge the health of the U.S. economy based on private sector data in the midst of the government shutdown. They talk about labor market nuances, layoff announcements, and how we can use consumer sentiment  figures when hardly any other federal economic data are available. Then, investing Nerd June Sham joins Sean and Elizabeth to discuss retirement funding options. They weigh prioritizing retirement accounts for contributions, when to choose Roth vs. Traditional contributions, and the benefits and trade-offs of Roth conversions. The discussion covers the tax differences between Roth and traditional accounts, guidelines for deciding which to use based on your current and projected future tax bracket, and reasons why someone might convert a Traditional IRA to a Roth IRA, such as avoiding Required Minimum Distributions (RMDs), and strategies for timing conversions. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: 401k, retirement savings, retirement account, investing, financial freedom, tax-free withdrawals, tax planning, high income, contribution limits, Roth conversion ladder, self-employed retirement, employer match, investment options, Solo 401k, simple IRA, taxable events, Medicare premiums, ADP employment report, Chicago Fed Nowcast, stock market, corrugated box indicator, champagne indicator, men's underwear index, capital gains, estate planning, price growth, economic cooling, market stability, inflation, household finances, unemployment, and job cuts. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how first-generation wealth builders create financial freedom and what stablecoins could mean for your savings. How do you build wealth when you’re the first in your family to be able to do so? And can stablecoins really out-earn your savings account? Host Elizabeth Ayoola and Sean Pyles explore generational wealth-building and the myths and realities of stablecoins in a rapidly changing cryptocurrency environment. Joined by entrepreneurs and fiancés Ronne Brown and Courtney Hale, Elizabeth kicks off the first segment with a heartfelt look at how first-generation wealth builders are redefining what it means to be “rich.” Ronne and Courtney share their journeys from modest beginnings to financial independence, relaying how childhood lessons shaped their values, how they built multiple income streams through entrepreneurship, and the steps they’re taking to continue building generational wealth together. They discuss the power of investing early, using real estate and the stock market strategically, and protecting assets through estate planning and life insurance. Then, investing writer Sam Taube joins Sean and Elizabeth to break down the difference between Bitcoin and stablecoins — and whether high-yield stablecoins are too good to be true. They explore how the Genius Act changes crypto regulation, how yield-bearing stablecoins compare to high-yield savings accounts, and what risks investors should consider before diving in. They discuss how to find a balance between risk and reward in crypto-based savings options, how stablecoins actually earn yield, and why traditional banking products still offer peace of mind for the risk-averse. Best High-Yield Savings Accounts of November 2025 https://www.nerdwallet.com/banking/best/high-yield-online-savings-accounts  The Costs of Being Unbanked (and How to Minimize Them) https://www.nerdwallet.com/banking/studies/data-unbanked  Crypto staking: What it is, how it works, calculator https://www.nerdwallet.com/article/investing/how-crypto-staking-works  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: financial independence, building generational wealth, multigenerational money mindset, family legacy planning, breaking the cycle of poverty, entrepreneurship strategies, business ownership, side hustles, wealth psychology, mindset shifts, money trauma, minority entrepreneurship, real estate investing, stock investing basics, portfolio diversification, passive income streams, estate strategy, life insurance for families, trust and wills, crypto investing, digital currency regulation, crypto yield risks, yield-bearing coins, decentralized finance, DeFi savings, crypto-backed savings accounts, tokenized assets, stablecoin interest rates, inflation hedge, risk management, safe investing, traditional bank safety, asset protection, long-term wealth growth, market volatility, risk versus reward, financial resilience, and balancing traditional and digital assets. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to pick dental, vision, life, and disability coverage with confidence, and when refinancing a home can actually save you money. Is now a good time to refinance your mortgage? Which open enrollment benefits are worth it this year? Hosts Sean Pyles and Elizabeth Ayoola talk to an expert about the ins and outs of open enrollment in 2026. But first, news Nerd Anna Helhoski joins them to share her conversation with NerdWallet mortgage writer Holden Lewis about falling mortgage rates and what they mean for buyers, sellers, and homeowners. They begin with a discussion of refinancing and today’s housing market, with tips and tricks on using a refinance calculator, how much of a rate cut to target, weighing closing costs and the break-even timeline, and other smart reasons to refi. Then, benefits expert April Brasher, knowledge advisor at the Society for Human Resource Management (SHRM), joins Sean and Elizabeth to discuss open enrollment choices beyond health insurance. They discuss what dental and vision plans usually cover and what they don’t, how and when to add to group life insurance provided by some workplaces, and how disability insurance works. They also discuss when accidental death and dismemberment (AD&D), hospital indemnity, and critical illness policies can make sense, how to avoid being over-insured, and why taking a quick personal and financial inventory before enrollment deadlines helps you choose only what you need. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: mortgage rates, refinance mortgage, refinance break-even, FHA mortgage insurance, remove FHA MIP, conventional vs FHA loan, housing market outlook, best time to buy a house, home buying season, mortgage closing costs, homeowners insurance shopping, lower mortgage payment, Fed rate cuts, housing inventory, open enrollment, dental insurance, vision insurance, life insurance through employer, supplemental life insurance, beneficiary designation, evidence of insurability, AD&D insurance, disability insurance, short-term disability, long-term disability, own occupation vs any occupation, hospital indemnity insurance, critical illness insurance, high deductible health plan, and limited purpose FSA. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to pick the right health plan for your situation and build a stronger retirement even if you feel behind. How do you choose the best health plan during open enrollment? What can you do to secure retirement if savings feel like they’re falling short? In the first of a two-part series, hosts Sean Pyles and Elizabeth Ayoola break down open enrollment decisions so you can protect your health and long-term wealth. But first, NerdWallet senior writer Kim Palmer joins them to present this month’s book club conversation about Gen X’s path to retirement security. She talks to Kerry Hannon and Janna Herron, authors of “Retirement Bites: A Gen X Guide to Securing Your Financial Future,” about how to take control of retirement even when you feel like you’re late to the game. That includes revisiting cash flow and lifestyle creep, attacking high-interest debt, considering step-down or flexible work to extend earning years, and planning for healthcare costs in retirement.   Then, NerdWallet writer Kate Ashford joins Sean and Elizabeth to present a clear walkthrough of healthcare plans as we enter open enrollment season. She discusses premiums vs. deductibles vs. out-of-pocket maximums, when an HMO or PPO fits best, and how Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) work — including the triple-tax edge of HSAs. They share practical, listener-first guidance on running plan comparisons, checking drug prices and doctor networks, watching ACA subsidy changes and deadlines, and building a values-driven, realistic retirement health plan you can start acting on today. From comparing health insurance plans to understanding out-of-pocket costs, here’s NerdWallet’s free step-by-step guide to help you choose the best coverage: https://www.nerdwallet.com/article/health/choose-health-insurance  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: health coverage options, ACA marketplace, premium tax credits, health insurance subsidies, annual enrollment period, insurance plan comparison, coinsurance examples, copay structure, catastrophic health plans, employer benefits package, dependent coverage, preventive care coverage, out-of-network costs, provider networks, telehealth coverage, prescription tiers, pre-tax savings, IRS contribution limits, healthcare inflation, medical cost planning, retirement healthcare expenses, long-term care costs, catch-up contributions, IRA rollover, compound growth, late retirement planning, work after retirement, side income in retirement, debt-free retirement, financial independence, budgeting for healthcare, reducing healthcare costs, maximizing employer benefits, flexible work transition, delayed retirement, insurance renewal tips, healthcare budgeting, and cost-of-living planning. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to spot shutdown-era scams and build a budget that works even when you and your partner disagree. How can you protect yourself from shutdown-era scams? How do you build a household budget when you and your partner see money differently? Hosts Sean Pyles and Elizabeth Ayoola share strategies to figure out a household budget when you and your partner are not on the same page about how to manage your finances. But first, senior news writer Anna Helhoski joins them to discuss a surge in spam calls, texts, and emails tied to the federal government shutdown. She talks with Eva Velasquez, CEO of the Identity Theft Resource Center, about the spike in government-imposter schemes, AI-driven deepfakes, and spoofed sites — and how to avoid and respond.  Then, fellow Nerd Jay Leong joins Sean Pyles and Elizabeth Ayoola to discuss getting on the same budgeting page with a spouse who prefers a different system. They discuss using the 50/30/20 framework without obsessing over every transaction, setting shared goals and “money dates” to surface financial values, and practical tools like sinking funds and lightweight expense tracking. They also cover trimming inflated “needs,” capping discretionary categories such as dining out or kids’ activities, and giving each partner clear fun-money boundaries via separate checking accounts or allowances. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header See your money clearly, save smarter, and unlock sophisticated hassle-free investing all in one place with the free NerdWallet app: https://www.nerdwallet.com/l/nerdwallet-app-track-your-wealth-and-build-your-future  In their conversation, the Nerds discuss: government shutdown scams, spam calls surge, do not call registry, FTC scam reporting, Identity Theft Resource Center, government imposter scam, deepfake scams, voice cloning scam, AI phishing, spoofed websites, how to report a scam, how to stop spam calls, credit card charge dispute, safer payment methods, couples budgeting, money dates, values-based budgeting,sinking funds, manual expense tracking, budgeting apps for couples, NerdWallet app budgeting, overspending fixes, wants vs needs, separate checking accounts, joint vs separate finances, kids activities budget, dining out budget, Costco credit card, travel credit card, insurance shopping, car insurance quotes, home insurance quotes, emergency fund buckets, vacation fund, budget categories, and shutdown impact on finances. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to get and read your free credit reports and spot red flags so you can protect your score and money. How do you set a realistic budget for a big life event without guilt? What’s the foolproof way to get and read your free credit reports? In this episode, hosts Sean Pyles and Elizabeth Ayoola discuss wedding budgeting and credit monitoring to help you protect your finances. They open by discussing trip and wedding budgeting trade-offs, like how to prioritize comfort, set spending caps, and decide when to splurge. They share tactics for separating wedding and honeymoon costs, using cash gifts and registries wisely, and staying flexible when real prices blow past early estimates. Then, NerdWallet lead writer Amanda Barroso joins Sean and Elizabeth to answer listeners’ questions about how to access and monitor their credit reports. They explain the difference between reports and scores and do a live read-through of Sean’s Experian report. They cover how to get free weekly credit reports, how to spot hard vs. soft inquiries, what truly matters to your score, what to ignore, and step-by-step moves to dispute errors with the right bureau(s) fast. NerdWallet's list of the best high-yield savings accounts: https://www.nerdwallet.com/banking/best/high-yield-online-savings-accounts  Standout high-yield CDs: https://www.nerdwallet.com/m/banking/standout-cd-rates-2  Enter your deposit, CD term and APY to see what interest you would earn on a certificate of deposit with NerdWallet’s free CD calculator: https://www.nerdwallet.com/banking/calculators/cd-calculator  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: free credit report, credit score, FICO vs VantageScore, how to read a credit report, dispute credit report errors, credit freeze vs lock, Experian, Equifax, TransUnion, hard vs soft inquiry, identity theft credit report, free weekly credit reports, adverse action notice, credit utilization, bank app credit score, frozen credit report, collections on credit report, mortgage on credit report, mixed credit files, verify identity for credit report, step by step read credit report, remove errors from credit report, how to check credit score for free, VantageScore 3.0, FICO score 10T, credit bureau upsell, lock vs freeze security, and travel budget planning. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to handle holiday shopping in an increasingly expensive spending environment. Plus, lightning round insights around debt, investing, and savings goals.  How should you prepare for holiday shopping when tariffs and inflation are leading to higher prices? When should you prioritize paying off your mortgage versus investing in the market? Hosts Sean Pyles and Elizabeth Ayoola welcome back senior news writer Anna Helhoski  and data writer Erin El Issa to dig into holiday shopping trends, including ways you can save on gifts and travel while reducing stress.  Then, Sean and Elizabeth jump into a lightning round to answer a number of listener questions. They share insights on how to weigh the opportunity cost of paying off a mortgage versus investing in the market. They also look into how to better understand what your robo advisor may be investing in. And they talk about some of the smartest places to stash cash — like high-yield savings accounts or CDs — if you are planning for a short term goal.   NerdWallet Holiday shopping report: https://www.nerdwallet.com/article/studies/holiday-spending-report  Best CD rates: https://www.nerdwallet.com/best/banking/cd-rates  Best High-Yield Savings Accounts: https://www.nerdwallet.com/best/banking/high-yield-online-savings-accounts  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: holiday budgeting, holiday spending tips, how to budget for the holidays, holiday shopping debt, how to avoid holiday debt, NerdWallet holiday spending report, tariffs and inflation 2025, saving for holiday gifts, managing holiday travel costs, holiday money stress, how to save for holiday travel, pay off mortgage or invest, paying off mortgage vs investing, opportunity cost investing, ETFs explained, SPY ETF, XLK ETF, Vanguard Digital Advisor, collective investment trust, CIT vs ETF, Vanguard institutional trust, best high-yield savings accounts, CD ladder strategy, best CD rates, how to save for a house down payment, short-term investing options, budgeting app, NerdWallet app, personal finance podcast, Smart Money podcast, holiday money advice, how to manage debt during the holidays. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to choose term vs whole life insurance and calculate your coverage so your family stays protected. How much life insurance do you really need? Which is smarter, term or whole life? Hosts Sean Pyles and Elizabeth Ayoola discuss recent smart, fun, and dumb spending to spark a quick audit of your own money habits, then pivot to right-sizing life insurance so your family isn’t left exposed. They begin with a discussion of everyday spending wins and fails, with tips and tricks on reviewing statements to catch unused subscriptions, setting guilt-free “fun” budgets that match your values, and investing in your health and home with intention. Then, insurance Nerd Kaz Weida joins Sean and Elizabeth to discuss a listener’s question about life insurance choices. They explain the DIME method for figuring out how much coverage you need, how to weigh term vs whole based on goals and risk, what costs look like at different ages, and how to handle beneficiaries, trusts, and group coverage from work. Plus: why you should periodically update your beneficiaries as life changes. How much life insurance do you need? NerdWallet’s free life insurance calculator can help you do the math: https://www.nerdwallet.com/article/insurance/how-much-life-insurance-do-i-need  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: life insurance, term life insurance, whole life insurance, beneficiary designation, trust vs beneficiary, group term life insurance, life insurance cost in your 30s, life insurance cost in your 40s, cash value life insurance, indexed universal life insurance, variable universal life insurance, estate planning basics, stay-at-home parent life insurance, update life insurance beneficiaries, convert term policy, smoker vs nonsmoker life insurance rates, life insurance medical exam, term vs whole life comparison, permanent life insurance, life insurance through employer, supplemental life insurance, life insurance payout, coverage amount calculator, college fund and life insurance, mortgage protection with life insurance, and prenuptial agreement and finances. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to plan for surprise bills and what to ask about a home’s past so your budget and buying feel stress free. Do sellers have to disclose deaths, crimes or “hauntings” in a home? How can you budget for irregular expenses without daily tracking? Hosts Sean Pyles and Elizabeth Ayoola open a spooky episode with housing Nerds Holden Lewis and Kate Wood to break down which states require sellers to reveal a home’s dark history, when they don’t, and how to protect yourself as a buyer. They unpack how to check local laws, research an address, and talk with neighbors so you can make confident choices — and avoid creepy surprises. Then, Sean and Elizabeth answer listener Alyssa’s question about managing expenses that change (or don’t come up at all) from month to month. They share practical ways to plan ahead for costs like home maintenance, credit card fees, childcare, pet care, and car repairs — without tracking every penny. Learn how to build flexible savings buckets, automate deposits, and keep lifestyle creep in check so your budget finally feels steady. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: haunted house disclosure laws, seller disclosure death in house, stigmatized property, California real estate law, Alaska disclosure rules, Massachusetts disclosure requirements, Minnesota property laws, South Dakota home sale rules, Kentucky real estate disclosure, house history search, property value and crime, neighborhood research before buying, state disclosure differences, how to check a home’s history, due diligence when buying a home, buyer protection strategies, homebuyer checklist, surprise home costs, unpredictable expenses, annual fees planning, sinking funds, budgeting system, flexible savings account, automated transfers, pay yourself first, lifestyle creep management, household budget balance, high income budgeting, financial organization, saving for irregular costs, long-term financial planning, and how to do a monthly money check-in. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how your habits and the cash and cards in your wallet reveal your money mindset, then learn how to know when it’s time to quit your job. What amount of cash should you keep on hand? Should you “quiet quit” or make a clean break from your job? Hosts Sean Pyles and Elizabeth Ayoola discuss everyday wallet decisions and career change trade-offs to help you understand how everyday money habits and major career choices can strengthen your financial stability. They begin with a candid, “What’s in Your Wallet?” segment, revealing what they keep close and providing some tips and throughs on keeping a small emergency cash stash, rotating rewards cards wisely, and avoiding risky wallet habits like storing everything in your car. Then, Tess Vigeland, Smart Money producer and author of Leap: Leaving a Job with No Plan B to Find the Career and Life You Really Want, joins Sean and Elizabeth to help answer a listener’s question about whether they should quit their job or simply “quiet quit.” They discuss building a “freedom fund” before quitting, ways to reduce workload without burning bridges, the realities of healthcare and benefits if you leave your job, how today’s labor market affects timing, and why giving yourself reflection time can clarify your next step. Card benefits, terms and fees can change. For the most up-to-date information about cards mentioned in this episode, read our reviews: American Express Gold Card Review: Dining Rewards Royalty https://www.nerdwallet.com/reviews/credit-cards/american-express-premier-rewards-gold  American Express Platinum Review: Top-Notch Lounge Access, Big Credits https://www.nerdwallet.com/reviews/credit-cards/american-express-platinum  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: quiet quitting, emergency fund, freedom fund, how much cash to keep at home, what to keep in your wallet, wallet organization, travel credit cards, cashback card strategy, debit vs credit, remote work burnout, career change planning, leave a job without plan b, how to quit without burning bridges, lateral move vs new job, reduce workload tips, using AI at work, outsource repetitive tasks, referral risk when underperforming, healthcare after quitting, benefits when changing jobs, real estate license costs, FIRE financial independence retire early, savings goals at 29, HSA spending, high deductible health plan, emergency cash vs card, labor market trends, employee engagement Gallup, identity beyond work, partner concerns about quitting, building a freedom fund timeline, cash vs digital payments, keeping cards safe, rotating cards for categories, smart travel rewards use, backup plan before quitting, burnout signs, and when to leave a job. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special video episode, learn what proposed stock market rule changes could mean for your portfolio and how to grow your teen’s money skills. Will corporate earnings reports soon shift from quarterly to twice a year? And what could new rules about day trading mean for everyday investors? Hosts Sean Pyles and Elizabeth Ayoola team up with senior news writer Anna Helhoski and investing lead writer Sam Taube to break down how potential SEC rule changes could reshape the stock market. They explore the pros and cons of less frequent earnings reports, what research shows about long-term investing behavior, and how easing day-trading limits might open doors for some investors — while raising risks for others. They also share practical ways to interpret earnings data, stay focused on long-term goals, and avoid emotional trading. Then, Sean and Elizabeth meet with listener Essa in-person to discuss how to teach kids money skills at home. They cover options for approaching allowances and savings goals (e.g., Greenlight), building credit safely via authorized-user setups or secured cards, and turning lessons into hands-on practice with simulations and budgeting tools. Essa shares what’s been working in her household so far and gets suggestions on how to introduce new money concepts to her kids. The Nerdy Investor by NerdWallet is a monthly email briefing for investors who want to stay informed about what’s happening in the world of money: https://nerdwalletinvesting.substack.com/about  Get matched with a financial advisor for free using NerdWallet Advisors Match: https://nerdwalletadvisors.com/match  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: SEC rule change 2025, Trump administration stock market changes, FINRA margin requirements, quarterly earnings cycle, semiannual financial reporting, stock market volatility trends, P/E ratio meaning, price to earnings ratio formula, long-term investor behavior, day trading regulation, PDT minimum balance, $25,000 day trading rule, margin trading risks, investor protection rules, stock market research studies, dot-com crash lessons, European Union earnings rules, financial disclosure requirements, investing newsletter signup, U.S. Securities and Exchange Commission updates, FINRA proposal 2025, retail investor access, beginner investing risks, youth financial literacy, teaching kids about credit, financial education apps for students, Bite of Reality app, Next Gen Personal Finance platform, EverFi money games, Financial Times Uber game, teen debit cards, compound interest examples, high-yield savings comparison, 401k matching concept, family money discussions, allowance systems for children, and parent-daughter investing ideas. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special video episode, Sean and Elizabeth and special guests eat spicy wings and share hot takes on saving versus investing, inflation, crypto, and when to trade up for an electric vehicle. When should you prioritize investing over traditional savings? How do you know when to keep repairing your car versus trading it in for something new, like an EV? Hosts Sean Pyles and Elizabeth Ayoola share their zestiest financial takes over hot wings, blending financial insights with fiery fun. NerdWallet YouTube creator Stephen Smith joins them in-person at NerdWallet HQ in Scottsdale, AZ, for a lively discussion which, like the hot sauce, gets eye-wateringly spicy. They debate whether saving in a checking account makes sense, how high-yield savings stack up against inflation, and whether the U.S. dollar could one day be backed by cryptocurrency. They also dig into why consumer debt is so easy to rack up, including the rise of Buy Now, Pay Later for everyday purchases. Then, listener Sandra joins the in-person conversation with Sean and Elizabeth as they discuss whether she should keep repairing her Acura or buy a new EV. They explore repair costs versus new car payments, the impact of high-yield savings rates, trade-in timing, and refinancing considerations. The episode wraps with practical insights on how to balance financial security with lifestyle goals like travel, education savings, and staying debt-free. Get matched with a financial planner for free using NerdWallet Advisors Match: https://nerdwalletadvisors.com/match  Smart Money is a finalist for TWO Signal Awards! Please take a moment to vote for us here: https://vote.signalaward.com/PublicVoting#/2025/individual-episodes/genre/money-finance  https://vote.signalaward.com/PublicVoting#/2025/shows/genre/money-finance  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: Bitcoin reserve currency, dollar backed by crypto, consumer debt in America, Buy Now Pay Later pros and cons, Klarna food delivery, Klarna at Chipotle, financing gas with BNPL, credit card debt cycle, checking account interest rates, financial literacy for kids, trust fund for children, custodial accounts for kids, Acura MDX, car repair costs, car repair vs new car cost, average car payment 2025, EV tariffs 2025, zero APR car financing, mortgage refinance break-even, 529 vs Roth IRA rollover, saving for college vs high-yield savings, passing down a car to kids, luxury vehicle maintenance costs, average miles per year US drivers, opportunity cost of buying a car, travel vs new car decision, and financial security vs lifestyle goals.. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special video episode, Sean and Elizabeth give each other a “budget rehab,” revealing their own budgets to help you fix yours. How can you feel more in control of your spending? How can you plan for irregular expenses like credit card annual fees or surprise bills? In this video episode, hosts Sean Pyles and Elizabeth Ayoola give each other a “budget rehab” to reveal how they really manage their money — and how you can apply the same strategies to your own finances. But first, they’re joined by NerdWallet senior writer Anna Helhoski to discuss new NerdWallet survey findings about money stress and what steps you can take to alleviate it. They discuss why money stress hits some groups harder than others and share practical tips for easing the pressure. Then, Sean and Elizabeth present a personal “Budget Rehab” segment where they analyze each other’s real numbers while sitting eye to eye at NerdWallet HQ. Sean shares how he balances rental income, savings, and splurges, while Elizabeth maps her freelance income, high savings rate, and family priorities. Together, they highlight the pros and cons of tactics like setting up multiple savings buckets, trimming recurring costs, maxing out tax-advantaged accounts, and planning ahead for annual fees and surprise expenses. Smart Money is a finalist for TWO Signal Awards! Please take a moment to vote for us here: https://vote.signalaward.com/PublicVoting#/2025/individual-episodes/genre/money-finance  https://vote.signalaward.com/PublicVoting#/2025/shows/genre/money-finance  Want the cheapest prepaid phone plan that still fits your phone service needs? Read NerdWallet’s article on the best cheap cell phone plans: https://www.nerdwallet.com/p/best/finance/cheap-cell-phone-plans  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: money anxiety, reduce financial stress, generational money differences, Gen Z money habits, Millennial money habits, Gen X finances, Baby Boomer finances, grocery inflation, high food prices, emergency savings, build emergency cushion, debt payoff strategies, debt snowball vs avalanche, credit card debt payoff, homeownership vs renting, housing costs, mortgage vs rent, rental affordability, HSA benefits, high-deductible health plan, maxing out 401k, brokerage account investing, saving for car replacement, sinking fund examples, subscription audit tips, lower utility bills, cheaper phone plan, cutting cell phone costs, donating to charity, values-based spending, overspending triggers, budget burnout, financial literacy gaps, improve financial confidence, setting financial goals, FIRE movement, early retirement savings, family budgeting, and teaching kids about money. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

In a special presentation of Smart Travel, learn what your points and miles are really worth in 2025 — and why the answer might change how you book travel. Should you take a $650 flight voucher or 32,500 miles? How much are your points and miles actually worth? Smart Travel hosts Sally French and Meghan Coyle break down the latest NerdWallet valuations to help you make smarter redemption choices. But first, they cover recent travel headlines, including Southwest Airlines’ new partnership with EVA Air, Frontier’s companion certificate promotion and status match, and JetBlue opening up award bookings with Condor Airlines. Then, travel Nerd Craig Joseph joins Meghan to discuss NerdWallet’s latest airline, hotel, and credit card point valuations, with tips and tricks on comparing loyalty programs, maximizing transfer partners, and deciding when cash is more valuable than points. They also discuss the impact of devaluations, how close-in bookings can save you points, and why premium cabins can sometimes offer outsized redemption value. Plus: Craig’s hot take on airport lounges. Card benefits, terms and fees can change. For the most up-to-date information about cards mentioned in this episode, read our reviews: Is the Frontier Airlines World Mastercard Worth Its Annual Fee? https://www.nerdwallet.com/article/travel/is-the-frontier-airlines-world-mastercard-worth-its-annual-fee Citi Strata Credit Card Review: Solid Rewards for No Annual Fee https://www.nerdwallet.com/reviews/credit-cards/citi-strata  Citi Double Cash Review: A Solid Choice for Everyday Spending ​​https://www.nerdwallet.com/reviews/credit-cards/citi-double-cash  Citi Custom Cash Card Review: Low-Maintenance 5% Cash Back https://www.nerdwallet.com/reviews/credit-cards/citi-custom-cash  Citi Strata Premier: Big Rewards Across Top Spending Categories https://www.nerdwallet.com/reviews/credit-cards/citi-strata-premier  Is the New Alaska Atmos Summit Card Worth a $395 Annual Fee? https://www.nerdwallet.com/article/travel/is-the-alaska-airlines-atmos-summit-card-worth-its-annual-fee  Resources discussed in this episode: Airline Miles vs. Cash Calculator https://www.nerdwallet.com/article/travel/calculator-should-you-book-a-flight-with-cash-or-miles  How Much Are Travel Points and Miles Worth in 2025? https://www.nerdwallet.com/article/travel/airline-miles-and-hotel-points-valuations  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. In this episode, the Nerds discuss: points and miles valuation, airline miles value, hotel points value, credit card points value, Southwest EVA Air partnership, Frontier Companion Certificate, JetBlue Condor award booking, Citi American Airlines transfer, Amex Membership Rewards value, Capital One points value, Bilt points value, Hyatt points value, Hilton points value, Marriott points value, Wyndham points value, IHG points value, Alaska miles value, JetBlue points value, American Airlines miles value, United miles value, Southwest points value, Virgin Atlantic miles value, ANA miles value, Avianca LifeMiles value, best way to use Amex points, best way to use Citi points, best way to use Capital One points, use cash or points for flights, last minute award flight value, premium cabin redemption value, economy flight points value, airline devaluation, hotel point devaluation, cash vs points travel booking, when to transfer credit card points, how to maximize travel rewards, and NerdWallet points and miles calculator. Learn more about your ad choices. Visit megaphone.fm/adchoices