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. HACE 17 H

    Points and Miles vs Cash Back: Pick a Credit Card That Matches Your Spending

    Learn how to choose your next credit card by weighing airline perks, annual fees, and simple cash back rewards. How do you choose a credit card when the options feel endless? Should a family of four choose an airline credit card or a more flexible rewards card? Hosts Sean Pyles and Elizabeth Ayoola discuss travel rewards and everyday rewards to help you understand how to match a card to your real spending habits. Joined by credit card Nerd Sara Rathner, they discuss how co-branded airline cards differ from general travel cards, why store cards can be risky if you carry a balance, and how cash back cards can reward everyday spending like groceries and dining. They also discuss budgeting for annual fees, reevaluating cards at renewal time, tracking a sign-up bonus spending deadline without overspending, and what can happen to your credit score if you cancel or downgrade a card. Card benefits, terms and fees can change. For the most up-to-date information about cards mentioned in this episode, read our reviews: NerdWallet’s 2026 Best-Of Awards Winners: Credit Cards Best Travel Credit Cards of March 2026 Best No Annual Fee Credit Cards of March 2026 Atmos Rewards Ascent Review: Well Worth $95 a Year  Chase Sapphire Reserve Review: A High-End, High-Maintenance Card  American Express Platinum Review: Top-Notch Lounge Access, Big Credits  American Express Blue Cash Preferred Review  AmEx Blue Cash Everyday Review: Rewarding, for no annual fee  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

    32 min
  2. You Might Also Like: The School of Greatness

    HACE 18 H · CONTENIDO EXTRA

    You Might Also Like: The School of Greatness

    Introducing The $0 to $1M Blueprint | Lewis Howes from The School of Greatness. Follow the show: The School of Greatness Lewis opens with a truth most people avoid: you will never make the money you want until you believe you deserve it. Through his own journey from couch-surfing ex-football player to eight-figure media entrepreneur, he walks through the five steps that transformed not just his income but his entire relationship with money. The painful part most people skip is not the strategy, it is the internal work of recognizing your own value when everything around you tells you that you have none. Lewis also tackles the "work harder" myth head-on, explaining why grinding alone will never get you to the next level and what wealthy people actually do differently. Whether you are just starting out or you have hit a plateau you cannot seem to break through, this episode gives you a concrete, actionable path forward. Make Money Easy: Create Financial Freedom and Live a Richer Life The Greatness Mindset: Unlock the Power of Your Mind and Live Your Best Life Today The Mask of Masculinity: How Men Can Embrace Vulnerability, Create Strong Relationships, and Live Their Fullest Lives The School of Greatness: A Real-World Guide to Living Bigger, Loving Deeper, and Leaving a Legacy In this episode you will: Hear Lewis's exact 30-day game plan for going from zero to $1 million using only skills and relationships Discover how to identify the skills and strengths you already have that you are overlooking right now Learn the "What's the Chance?" framework that rewires how boldly you ask for what you want Understand why your financial thermostat is capping your income and how to raise it Build a personal brand and packaging strategy that makes your value visible to the world For more information go to https://lewishowes.com/1900 For more Greatness text PODCAST to +1 (614) 350-3960 More SOG episodes we think you’ll love: Brendon Burchard Vivian Tu Daniel Priestley Get more from Lewis!  Get my New York Times Bestselling book, Make Money Easy! Get The Greatness Mindset audiobook on Spotify Text Lewis AI YouTube Instagram Website Tiktok Facebook X Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising. DISCLAIMER: Please note, this is an independent podcast episode not affiliated with, endorsed by, or produced in conjunction with the host podcast feed or any of its media entities. The views and opinions expressed in this episode are solely those of the creators and guests. For any concerns, please reach out to team@podroll.fm.

  3. HACE 4 DÍAS

    Does Your Retirement Portfolio Match Your Values? Plus: Apple’s New MacBook Neo

    Learn what chip shortages could mean for tech prices and how to align your target-date fund with your values. Will chip shortages make laptops and phones more expensive? How can you make a Roth 403(b) target-date fund reflect your politics and values? Hosts Sean Pyles and Elizabeth Ayoola discuss values-based retirement investing to help you understand how to check what’s inside your portfolio and what options you have when your workplace plan feels limiting. But first, news editor Rick VanderKnyff and personal finance writer Tommy Tindall join Elizabeth to discuss the latest consumer tech headlines. They discuss the tentative Live Nation/Ticketmaster settlement and what it could change about fees, Apple’s new lineup including the budget MacBook Neo, and how an AI-driven memory chip crunch could push up PC and smartphone prices. Then, investing Nerd Bella Avila joins Sean and Elizabeth to discuss how to make your retirement portfolio better match your values without having to pick individual stocks. They discuss ways to find the “nested” funds and holdings inside a target-date fund, how to use tools like AI and third-party screeners to spot value conflicts and double-check what you find, and alternatives that may offer more control such as an IRA, a self-directed brokerage option in your plan, direct indexing, or a robo-advisor. Subscribe to MoneyNerd, our weekly email newsletter, at https://moneynerd-nerdwallet.beehiiv.com/  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

    32 min

  4. 9 MAR

    Frugal Fatigue Is Real: How to Stop Saving Burnout and Start Spending on Purpose

    Learn how to build a budget with room for fun so you can save money without guilt. How can you save toward big goals without letting frugality turn into burnout? How do you stop shaming yourself for spending on fun? Hosts Sean Pyles and Elizabeth Ayoola respond to a listener named Michael who’s skipping trips, staying in, and feeling guilty whenever they spend. Joined by personal finance writer Kim Palmer, they unpack frugal fatigue and money shame, explore how “money stories” and scarcity mindset can fuel obsessive saving, and share practical ways to budget for joy. 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

    22 min

  5. 5 MAR

    Will Your Streaming Bill Jump? Plus, How to Pick a Budgeting App You’ll Actually Use

    Find out what Paramount’s bid for Warner Bros. Discovery could mean for streaming, then learn how to pick a budgeting app you’ll actually use. How do you pick a budgeting app that helps you see where your money goes? Hosts Sean Pyles and Elizabeth Ayoola discuss budgeting apps to help you understand how to track spending without making budgeting your second job. But first, news writer Rick VanderKnyff joins the show to discuss Paramount’s bid to buy Warner Bros. Discovery with Anthony Palomba, a media scholar and assistant professor at the University of Virginia Darden School of Business. They discuss what major brands and streaming platforms are on the line, how the bidding played out after Netflix walked away, and what the deal could mean for consumers. Then Sean and Elizabeth do a “Budget Rehab” with listener Rashondra, covering budgeting styles and the 50/30/20 framework, how big line items like a car lease and groceries can shift your “needs” category, and what to look for when comparing tools like Empower, YNAB, EveryDollar, Monarch, and NerdWallet’s budgeting app. Subscribe to MoneyNerd, our weekly email newsletter, at https://moneynerd-nerdwallet.beehiiv.com/  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

    49 min

  6. 2 MAR

    The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

    Discover simple rules that can cut budget tracking fatigue and still show you where your money goes. How can you make a budgeting app reflect what you actually bought when one Costco or Target run covers five or 10 different categories? And how can you track those “commingled” purchases without spending your life itemizing receipts? Hosts Sean Pyles and Elizabeth Ayoola talk with personal finance Nerd Amanda Barroso about how to handle mixed transactions so your budget feels usable instead of exhausting. They begin with a discussion of why this problem is so common, features in budgeting apps like Monarch, YNAB, and EveryDollar that make categorizing easier, and how to decide when perfect tracking is the enemy of “good enough.” Then, they discuss practical ways to reduce budgeting fatigue while still learning where your money goes. They discuss how different apps approach splitting transactions, how to think about tradeoffs between accuracy and effort, and how to set simple personal rules that keep you consistent even when shopping gets messy. The Best Budget Apps for 2026: https://www.nerdwallet.com/finance/learn/best-budget-apps  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

    25 min

  7. 26 FEB

    Tariff Uncertainty After Supreme Court Decision and Budgeting With Sinking Funds

    Find out how tariffs may change prices and how to build sinking funds while saving for retirement. What could the Supreme Court’s tariff ruling mean for the prices you pay and the next move on trade policy? How much should you set aside for sinking funds while you build an emergency fund and contribute to your 401(k)? Hosts Sean Pyles and Elizabeth Ayoola discuss sinking funds and savings priorities to help you balance long-term goals with near-term costs. But first, senior news writer Anna Helhoski joins Sean and Elizabeth to unpack the Supreme Court decision limiting “reciprocal” tariffs tied to the International Emergency Economic Powers Act (IEEPA) with Lourdes S. Casanova, senior lecturer at Cornell University’s SC Johnson College of Business. They dig into the big open questions the ruling raises, including what legal paths might still allow new tariffs, how trading partners and markets could respond, and what tariff refunds and lawsuits could mean for businesses and consumers. Then, Sean and Elizabeth discuss sinking funds and how to decide what percentage of your income to dedicate to them when you’re also trying to hit a retirement savings target. They cover what sinking funds are and why they’re useful, where to keep the money (and why a high-yield savings account often fits), and how to use frameworks like 50/30/20 and time horizon to choose between saving versus investing for specific goals. Best High-Yield Savings Accounts for February 2026: Up to 4.21% https://www.nerdwallet.com/banking/best/high-yield-online-savings-accounts  Are you on track to save enough for retirement? Use NerdWallet’s free retirement calculator to check your progress, see how much retirement income you'll have and estimate how much more you should save: https://www.nerdwallet.com/investing/calculators/retirement-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 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

  8. 23 FEB

    Home Insurance Rate Increases and Psychological Traps That Are Costing You

    Understand common money traps and what to do as homeowners insurance premiums rise across the country. Your brain can be expensive. That’s why hosts Sean Pyles and Elizabeth Ayoola break down three behavioral finance biases (loss aversion, herd mentality, and overconfidence) and how they can lead to costly spending and investing decisions. Then, NerdWallet editor Caitlin Constantine joins to answer a listener's question about whether buying a home still makes sense as homeowners insurance premiums skyrocket and coverage gets harder to find in some areas. They dig into “escrow shock,” FAIR plans, why some homeowners go uninsured, and practical ways to plan for higher housing costs. Plus: what renters can and should protect with renters 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 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

    36 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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