NerdWallet's Smart Money Podcast

NerdWallet Personal Finance
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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/

  1. 18 HR AGO

    AI in the Home Buying Process: What Works, What Doesn't, and When to Call an Expert

    Find out how AI tools can help navigate the home buying process and where human expertise still matters most. Can AI help you buy a house with reliable information? What would you do if you had only ten years to live, received a $100,000 windfall, or lost your job with just one month of emergency savings? Sean Pyles, CFP®, and Elizabeth Ayoola sit down with a NerdWallet colleague to unpack his journey using AI to buy a home. But first, they take turns putting each other through a series of hypothetical — and sometimes grim — financial scenarios, revealing how they'd really handle everything from lending money to a struggling family member to deciding between a millionaire's Camry and a thousandaire's Mercedes. Then, NerdWallet’s podcast strategist Cody Gough joins Sean and Elizabeth in-studio to share his experience using Claude AI to help him make homebuying decisions. He shares how he used AI to figure out his financing options, find and evaluate agents, work through mortgage applications, and even assess whether specific neighborhoods were the right fit for his family. NerdWallet mortgage writer Kate Wood joins virtually to offer an expert reality check on Cody's experience — weighing in on his financing choices, what the AI got right and wrong about contingent offers in a competitive market, and where tools like NerdWallet's calculators and articles would have served him better than an AI chatbot.  2026 Home Buyer Report – 48% of Prospective Buyers Will Use AI: https://www.nerdwallet.com/mortgages/studies/home-buyer-report  Compare Today’s Mortgage Rates: https://www.nerdwallet.com/mortgages/mortgage-rates  See how far your homebuying budget could take you with NerdWallet’s free home affordability calculator: https://www.nerdwallet.com/mortgages/calculators/how-much-house-can-i-afford  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. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

    46 min

  2. 4 DAYS AGO

    Is Your Portfolio Ready for Energy Price Swings? Plus, Tackling Debt on a High Income

    Learn what rising oil prices mean for your investments and how to make savings work on a high income with heavy debt. How worried should you be about oil market swings? With global energy prices reacting to geopolitical conflict, senior news writer Anna Helhoski joins hosts Sean Pyles, CFP®, and Elizabeth Ayoola to speak with NerdWallet investing writer Sam Taub about what rising crude oil means for your investments, which portfolio sectors are holding steady, and whether the current calm around a fragile ceasefire is masking deeper volatility ahead. Then, what do you do when a hard-earned PhD and a $168,000 salary still leave you feeling behind? A listener named Melise shares how decades of living paycheck to paycheck, with $127,000 in debt across eight payment plans, and a late-in-life neurodivergent diagnosis are making financial progress feel impossible — even with her highest income ever. Sean and Elizabeth break down how to navigate scarcity trauma, impulse spending, quarterly tax obligations, and building an emergency fund when you're stretched thin. Learn how underpayment penalties work: https://www.nerdwallet.com/taxes/learn/underpayment-penalty-what-it-is-how-to-avoid-it Learn how to set up an IRS payment plan: https://www.irs.gov/payments/online-payment-agreement-application Learn about the IRS failure-to-file penalty: https://www.irs.gov/payments/failure-to-file-penalty Learn how estimated taxes work: https://www.irs.gov/businesses/small-businesses-self-employed/estimated-taxes  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. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

    48 min

  3. 13 APR

    What Does "Rich" Really Mean? Reddit's Personal Finance Questions, Answered by the Nerds

    We discuss real Reddit posts that reveal how people actually think about wealth, financial breakups, frugal habits, idle cash, and 529 overfunding. What does it mean to be “rich” in 2026? What can you learn about personal finance from scrolling Reddit? Sean Pyles, CFP®, and Elizabeth Ayoola delve into Reddit’s most relatable money posts to explain what Reddit gets right and where the commenters lead each other astray. But first, they kick things off by sharing their own financial confessions, with Elizabeth reflecting on the true cost of a private school decision she second-guessed, and Sean opening up about a years-long pattern of financial avoidance in his early 20s that finally caught up with him at tax time.  Then the Nerds turn to Reddit, reacting to actual posts from the personal finance and HENRY subreddits. Are you “rich” when you hit an income level, a net worth milestone, or something more personal? When a soon-to-be ex-fiancé secretly builds $50,000 in debt while planning to liquidate his 401(k) for an OnlyFans creator, how do you legally protect your home? Plus: a 27-year-old teacher with $70,000 in cash and zero investments, a parent questioning whether $500,000 in a 529 is overkill, and high earners asking which frugal habits are worth finally dropping. 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 Reddit threads referenced in this episode: What is 'Rich' to you? When will you graduate from this sub? https://www.reddit.com/r/HENRYfinance/comments/1qoftu1/what_is_rich_to_you_when_will_you_graduate_from/  Protecting myself from my soon to be ex-fiancée https://www.reddit.com/r/personalfinance/comments/1rf5wpx/protecting_myself_from_my_soon_to_be_exfianc%C3%A9e/  What are frugal habits you are looking to break and/or have broken for the better? https://www.reddit.com/r/HENRYfinance/comments/1rbt1hp/what_are_frugal_habits_you_are_looking_to_break/  My girlfriend (27) has $70k sitting in cash and no investments, what would you do? https://www.reddit.com/r/personalfinance/comments/1rx7hv0/my_girlfriend_27_has_70k_sitting_in_cash_and_no/  Is $500k in 529 too much or right amount? https://www.reddit.com/r/HENRYfinance/comments/1rb9anm/is_500k_in_529_too_much_or_right_amount/  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

    55 min

  4. 9 APR

    What Warflation Costs You and Whether a Short-Term Rental Beats Investing Your Home Sale Proceeds

    War is pushing everyday prices higher, and a listener wonders if a Utah vacation rental beats investing home sale proceeds. What does the Iran war mean for the price of your groceries, your next flight, and everyday household goods? Is buying a short-term rental property a smart way to diversify your investment portfolio, or is it more risk than it's worth? Hosts Sean Pyles, CFP®, and Elizabeth Ayoola dig into the pros and cons of vacation rental investments. But first, senior news writer Anna Helhoski joins them to explain how oil supply disruptions ripple outward through fertilizers, plastics, shipping, and airline fuel — and why the timeline for price increases on most goods could stretch six to twelve months beyond what you're already seeing at the pump and the store. Then, fellow Nerd and experienced real estate investor Lisa Green joins Sean and Elizabeth to answer a listener’s question about buying land to build a mountain vacation rental. She discusses when building and managing a property from several states away may make financial sense, what unique risks come with short-term rentals specifically, and how that compares to simply investing the proceeds in the stock market. Learn about the capital gains tax rules that apply when you sell your home: https://www.nerdwallet.com/taxes/learn/selling-home-capital-gains-tax  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. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

    39 min

  5. 6 APR

    Budget Rehab: How to Optimize Your Savings Goals When You've Already Paid Off All Your Debt

    Learn how to budget an extra $1,000 a month when you already have no debt, a high savings rate, and multiple financial goals. What do you do with extra money when you've already paid off all your debt and you're saving more than half your income? Why would a 26-year-old with $50K in assets still not feel financially safe? Hosts Sean Pyles, CFP®, and Elizabeth Ayoola review listener Manny’s budget to see how a high saver with no debt is managing his money. Then, with him, they talk through where an extra $1,000 a month could go, from healthcare savings to a home fund to more room for fun. They explore how to prioritize across goals like an HSA, a future home with his partner, and guilt-free spending without losing the structure that has helped him save so aggressively. How to Choose the Right Budget System: https://www.nerdwallet.com/finance/learn/how-to-choose-the-right-budget-system How to Build a Holiday Budget: https://www.nerdwallet.com/finance/learn/how-to-build-a-holiday-budget-that-works-every-year See your money clearly, save smarter, and unlock sophisticated hassle-free investing — all in one app. https://nerdwallet.com/app  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. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

    33 min

  6. 2 APR

    What AI Gets Wrong About Your Money and What a New Study Reveals About Credit Card Debt

    New research upends assumptions about credit card debt, and we explore what AI gets wrong about money. Could you be making credit card debt worse without realizing it? Should you trust AI with your finances? Hosts Sean Pyles, CFP®, and Elizabeth Ayoola discuss the pros and cons of using AI for financial guidance. But first, senior news writer Anna Helhoski and NerdWallet writer Kurt Woock join them to unpack the findings of a new NerdWallet study that challenges common myths about credit card debt. They discuss why income is a poor predictor of who carries it, what expenses actually drive balances higher, and why Baby Boomers carry multi-card debt at surprisingly high rates. Then, Sean and Elizabeth sit down with Ryan Sterling, wealth advisor with NerdWallet Wealth Partners, to explore how large language models and agentic AI fit into your financial life, where DIY money managers and delegators diverge, what "human value" a financial planner provides that no chatbot can, and how to think about AI-generated answers when your money is on the line. NerdWallet Wealth Partners, LLC is an affiliate of NerdWallet Inc. NerdWallet Wealth Partners is a fiduciary online financial advisor, offering low-cost, comprehensive financial advice and investment management. Learn more at nerdwalletwealthpartners.com/smart  2025 Household Credit Card Debt Study: 49% Say Card Debt is Normal https://www.nerdwallet.com/credit-cards/studies/household-debt-study  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. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

    41 min

  7. 30 MAR

    Car Leasing vs. Buying: Hidden Fees, Dealer Agendas, and When to Buy Your Leased Car

    When your lease ends, should you lease again, buy the car, or return it and walk away? What is a car lease, and how do its true costs compare to financing? Sean Pyles, CFP®, Elizabeth Ayoola, and lead writer Shannon Bradley break down how car leases work — including money factors, residual values, mileage limits, and the acquisition fees dealers rarely tell you about. They also explore why leasing-then-buying a car typically costs more than financing from the start, when it makes sense to lease an EV, what to watch out for in dealer offers, and how tariffs may be affecting your end-of-lease options right now. For more information on the topics discussed in this episode: Should I Lease or Buy a Car? https://www.nerdwallet.com/article/loans/auto-loans/7-lease-vs-buy-questions-right   Should I Buy My Leased Car? 5 Times to Say Yes https://www.nerdwallet.com/auto-loans/learn/5-times-buy-leased-car  How to Lease a Car: Everything You Need to Know https://www.nerdwallet.com/article/loans/auto-loans/7-steps-getting-great-auto-lease-deal  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. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

    34 min

  8. 26 MAR

    Are Corporate Investors Wrecking Housing? Plus How to Date Without Wrecking Your Budget

    Big investors aren’t wrecking housing the way you think they are, and dating on a budget could be more romantic than you think. What role do corporate investors actually play in making homes unaffordable, and would banning them fix the problem? We examine the data behind one of housing’s most contentious debates with senior news writer Anna Helhoski and mortgage writers Abby Badach Doyle and Kate Wood, who look at why institutional investors have become a political flashpoint, what the proposed investor ban in the 21st Century ROAD to Housing Act would actually mean for everyday buyers, and what the numbers reveal about who really owns most investor-held single-family homes in America.  How do you keep dating from draining your budget when you feel the pressure to spend? Host Sean Pyles, CFP®, and Elizabeth Ayoola dig into a listener’s question about navigating dating with traditional values, including the expectation to pay for everything and where romance fits into a healthy financial plan. They explore how to make meaningful, lower-cost dates work without seeming cheap, what “equal versus equitable” looks like when two people with different incomes are dating, and when the right moment is to bring up money with someone you’re seriously considering building a future with. What Is the Housing for the 21st Century Act? https://www.nerdwallet.com/mortgages/news/locked-out-housing-for-the-21st-century-act  Survey: Most Say Men Should Pay for First Date in Hetero Couples https://www.nerdwallet.com/finance/studies/survey-pay-for-date  Survey: 17% of Americans Say Credit Card Debt Is a Dating Dealbreaker https://www.nerdwallet.com/finance/studies/2026-dating-dealbreakers  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. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

    35 min
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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/

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