Podcasts about nerdwallet

Learn how to tie your 2026 money goals to your values so you can stick with them all year. How can you match your 2026 money goals to what you really care about? And how do you turn those goals into a plan you'll actually follow? Hosts Sean Pyles and Elizabeth Ayoola discuss values-based money planning and goal-setting frameworks to help you build a realistic, meaningful financial plan for the new year. They begin with a discussion of centering money goals on your core values, with tips and tricks on identifying what matters most (like freedom, community, or adventure), translating those values into goals such as paying off a car loan or saving for early retirement, and aligning your saving, spending, giving and fun money with the life you actually want to live. Along the way, they share their own 2026 goals, from boosting emergency funds and increasing income to opening “fun money” and giving accounts and navigating a tough housing market and crypto temptations highlighted in NerdWallet's 2026 Financial Outlook Survey. Then, Sean and Elizabeth discuss how to move from big dreams to daily action using the SMART — and SMARTER — goal framework. They discuss how to break large goals (like maxing a Roth IRA or saving for a big event) into monthly and per-paycheck targets, how to make goals specific, measurable, attainable, relevant and time-bound, and how to build in personal rewards so sticking to your plan actually feels good. They also cover getting comfortable with the discomfort of change, planning for curveballs like impulse spending and surprise kid or car expenses, and using tools like high-yield savings accounts and multiple sinking funds (yes, even for summer camp) so you can absorb surprises without blowing up your 2026 money plan. NerdWallet 2026 Financial Outlook Survey: https://www.nerdwallet.com/finance/studies/2026-consumer-outlook-report  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: new year financial goals, 2026 financial goals, how to set financial goals, SMART goals for money, SMARTER goals framework, values based budgeting, align money with values, paying off car loan early, early retirement savings rate, FIRE retirement plan, increase my income 2026, emergency fund savings, sinking funds examples, fun money account, high yield savings account, giving fund for charity, support local community with money, starting a business in 2026, investing in crypto 2026, Dogecoin investing, buying a house in 2026, saving for a house down payment, NerdWallet 2026 financial outlook survey, impulse spending help, budget for summer camp, planning for surprise bills, Roth IRA contribution 2026, break big goals into small steps, reward yourself for saving, how to stick to money 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 explore your money beliefs and take real steps toward saving and investing, even on a tight income. What's really behind your money habits? How can you build savings and invest if you're not earning much? Hosts Sean Pyles and Elizabeth Ayoola discuss how your relationship with money shapes your financial behaviors and what you can do to change that narrative. Joined by Shannah Game, host of Everyone's Talkin' Money and author of Unraveling Your Relationship with Money, they begin with a discussion of how money beliefs form in childhood, how your body gives clues about financial stress, and how weekly “money dates” can help shift your mindset, spending, and long-term financial outcomes. Then, Katie, a listener navigating a career change and major life transition, joins Sean and Elizabeth to discuss budgeting on a lower income and how to make progress on both emergency savings and retirement. They discuss how to build an emergency fund with irregular income, when and how to roll over 403(b) accounts into an IRA, and how to invest small amounts without feeling discouraged. The conversation also covers tools like the 50/30/20 budget and NerdWallet's retirement calculator to help Katie — and listeners like her — build a path forward, even if they feel like they're starting late. 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/calculator/retirement-calculator  NerdWallet's roundup of the best IRA accounts: https://www.nerdwallet.com/best/investing/ira-accounts  In their conversation, the Nerds discuss: how to fix your relationship with money, money beliefs, financial trauma, budgeting on low income, how to start saving money, emotional spending, how to invest with little money, financial self-awareness, weekly money date, how much to save for emergencies, what is a 403b, 403b rollover to IRA, Roth IRA vs traditional IRA, how to track spending, how to set money goals, compound interest explained, how to save for retirement in your 30s, moving in with a partner finances, financial independence, personal finance for late starters, how to handle a career pivot financially, how to build an emergency fund, aligning spending with goals, how to start investing in your 30s, best IRAs for beginners, saving vs investing priorities, high-yield savings account, budgeting tools for beginners, financial planning on hourly wages, financial literacy basics, how to track expenses, how to make money habits stick, celebrating financial wins, how childhood affects money habits, somatic responses to money, financial therapy, how to stop money anxiety, 50/30/20 budget rule, NerdWallet retirement calculator. 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 episode of Amateur Traveler, host Chris Christensen talks with AJ Ajay, a Libyan-born travel professional and founder of Intu Libya, about traveling to one of North Africa's least-visited and most misunderstood destinations: Libya. From spectacular Roman ruins to Saharan oases, ancient Amazigh towns, and the vibrant streets of Tripoli, AJ explains why Libya rewards travelers who are curious, respectful, and willing to look beyond headlines. This week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel ⁠⁠⁠⁠⁠⁠⁠here. Why Visit Libya? Libya offers a rare sense of discovery. With tourism largely undeveloped since the mid-20th century, many of its historic sites feel untouched. AJ describes Libya as a country where Roman, Greek, Phoenician, Ottoman, Italian, and Islamic histories overlap, often in the same physical space. Add to that Mediterranean coastline, vast Saharan landscapes, and deep-rooted traditions of hospitality, and Libya becomes a destination for travelers seeking something truly different. Safety, Visas, and Practicalities Chris and AJ address the elephant in the room: safety and travel advisories. AJ explains how Libya currently operates with an electronic visa system that requires a local sponsor and organized itinerary. Tourism is tightly coordinated with authorities, and travel routes are planned in advance. While some regions remain off-limits, AJ emphasizes that millions of Libyans live their daily lives safely and that guided travel within approved areas is the key to visiting responsibly. ... https://amateurtraveler.com/travel-to-libya/ Learn more about your ad choices. Visit megaphone.fm/adchoices

High-yield savings rates have dipped slightly since early spring, but they remain strong enough that choosing the right account right now can still be a wise move. After several quarter-point interest rate cuts by the Federal Reserve, savings yields have eased—but not disappeared. In fact, many online banks continue to offer returns well above those of most brick-and-mortar institutions.Understanding what's happening—and how to respond—can help you steward your cash with wisdom and confidence.Why Savings Still Matter in Your Financial PlanSavings and investments play very different roles. A savings account is designed for money that must remain safe, accessible, and dependable—your emergency fund, short-term needs, and dollars you'll rely on in the next few years.Savings won't deliver investment-level growth, but the interest they earn still matters. Every bit of growth helps preserve purchasing power and strengthens your financial footing over time.Over the past few years, inflation rose well above the Federal Reserve's 2% target. In response, the Fed raised short-term interest rates aggressively. As rates climbed, savings yields—especially at online banks—rose alongside them.Earlier this year, many high-yield savings accounts were paying between 4.75% and 5%, sometimes more. That gave savers an unusual opportunity to earn meaningful interest on cash that would otherwise sit idle.Since then, inflation has cooled, and the Fed has begun cutting rates. Those reductions have nudged savings yields lower, but today's rates are still historically strong—and far more generous than what traditional banks typically offer.Why Timing Still Works in Your FavorBanks rarely adjust savings rates immediately after a Fed announcement. Often, there's a window—sometimes several weeks—when higher yields remain available before they gradually drift downward.That lag creates an opportunity. While savings accounts aren't “locked in” like CDs, moving your money into a competitive high-yield account now allows you to benefit as rates slowly settle. Banks tend to move cautiously, often watching one another before making changes, which gives savers time to act.For many families, knowing their savings are earning a solid return brings peace of mind—whether preparing for an unexpected expense or setting aside resources for opportunities God may bring.Where High-Yield Savings Fit BestA strong savings strategy usually includes three key priorities:1. Your emergency fund. Keep three to six months of expenses in a high-yield savings account. The stronger the yield, the faster that cushion grows—without taking on risk or debt.2. Short- and mid-term goals. Money you'll need in the next two to five years—such as a down payment, major repair, or planned purchase—should stay protected from market volatility. High-yield savings accounts offer both safety and reasonable earnings.3. Regular comparison. Some traditional banks still pay as little as 0.01%—essentially nothing—while online banks often offer rates dozens of times higher. Comparing what you're earning with what's available elsewhere can make a meaningful difference.Exploring Your Options WiselyComparison sites like Bankrate and NerdWallet can help you evaluate current rates while also considering reliability, customer experience, and safety ratings.Money market accounts are another solid option, often offering competitive yields with added flexibility, such as check-writing privileges. Just be mindful of minimum balance requirements.Don't overlook credit unions either. As not-for-profit institutions, they often return earnings to members through stronger rates and lower fees. One example is AdelFi Christian Banking, a credit union that combines competitive yields with support for Gospel-centered ministry worldwide.You can learn more at FaithFi.com/Banking.Stewardship Is About Faithful ConsistencyChoosing where to place your savings isn't simply about chasing the highest return. It's about managing God's resources with intention and care. Saving consistently—month after month, year after year—is quiet, faithful work.A wise savings vehicle supports that journey, helping your money work a little harder while you walk forward with clarity, confidence, and trust in the Lord's provision.On Today's Program, Rob Answers Listener Questions:I'm 70 and retired, with a steady monthly income. I need a car costing about $20,000, and I still owe $27,000 on my mortgage. I'd prefer not to carry two payments—should I pay off the mortgage or buy the car, and where should the money come from?I want long-term protection through investing in gold. What's the best way to do that today?I'm retired and have about $1 million invested with Edward Jones. They're moving me to a 1.2% annual fee on my entire portfolio instead of transaction-based fees. I agreed, but I now wonder whether the fee is warranted. Is this a wise move?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Bankrate | NerdWalletAdelFi Christian BankingWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Learn the truth behind myths about building wealth, plus hear from a couple looking to align on  financial goals and values. Can you build wealth without starting a business? How can couples figure out what to do with extra money in their budget? Hosts Sean Pyles and Elizabeth Ayoola share their “money hot takes” and then talk to a married couple about how they can better align on financial priorities. Sean and Elizabeth kick off the episode with their thoughts on how to become a millionaire without needing to own your own business and why they believe consistent investing from a 9-to-5 job can help you grow your wealth. Plus are Roth IRAs overrated? They might be when compared to Roth 401(k)s. Then, listeners Naomi and Andrew join Sean and Elizabeth to discuss how couples can align on their financial goals. They talk through how to define shared values, balance short- and long-term priorities, and decide how to use some new room in their budget wisely, including strategies for emergency funds, retirement, and kids' future savings. NerdWallet's list of the best savings accounts: https://www.nerdwallet.com/best/banking/savings-accounts  Get matched with a financial advisor by using NerdWallet Advisors Match: https://www.nerdwallet.com/best/investing/financial-advisors  NerdWallet's investment calculator will calculate how much your investments will grow based on your planned contributions, timeline, rate of return and compounding frequency: https://www.nerdwallet.com/calculator/investment-calculator  Are you on track to save enough for retirement? Use NerdWallet's 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/calculator/retirement-calculator  In their conversation, the Nerds discuss: how to build wealth without a business, investing from a 9 to 5 job, becoming a millionaire from salary, Roth IRA vs Roth 401k, Roth IRA contribution limits, backdoor Roth IRA, Roth 401k benefits, emergency fund recommendations, short term financial goals, good debt vs bad debt, paying off debt as a couple, managing money in a marriage, budgeting as a couple, aligning financial goals with a partner, daycare budget reallocation, how to prioritize financial goals, saving for a home addition, using home equity loan, 529 plan alternatives, taxable brokerage for kids, feeling behind on retirement, retirement planning anxiety, compound interest retirement, how to save for multiple goals, financial planning for couples, building credit as a couple, margin in budget meaning, shared financial values, and daycare cost savings. 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. 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

In this episode of the Amateur Traveler, host Chris Christensen welcomes back Jonty Crane of Jonty Travels and The Tramping Life podcast to share practical advice and favorite sights from his many visits to India's capital, Delhi. This week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel ⁠⁠⁠⁠⁠⁠here. Delhi is intense, historic, chaotic, and endlessly fascinating. Jonty has visited Delhi six times over the past six years and offers a grounded perspective on how to experience the city without being overwhelmed. He recommends seeing Delhi in manageable doses, mixing headline attractions with quieter parks, tombs, and neighborhoods where daily life unfolds. ... https://amateurtraveler.com/travel-to-delhi-india/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Helen Hastings wanted to create better accounting software. To figure out what to build, she had humans do the work. This is the story of how she created Quanta, the accounting software that's taking on QuickBooks with a more modern human+software approach. Helen Hastings is the founder and CEO of Quanta, an AI-powered accounting platform built for modern software and services companies. Before Quanta, she was a software engineer at Affirm, where she specialized in building financial ledgers and systems of record. She's also worked at Google and NerdWallet, bringing deep fintech and infrastructure experience to one of accounting's hardest problems. More interviews -> https://mixergy.com/moreint Rate this interview -> https://mixergy.com/rateint

In this solo episode of Amateur Traveler, Chris shares an in-depth look at an eight-night adventure cruise through the fjords, glaciers, capes, and wildlife of southern Patagonia aboard Ventus Australis. The route combines two four-night segments, sailing from Punta Arenas, Chile to Ushuaia, Argentina, and back again, providing double the opportunities to explore remote landscapes reached only by Zodiac. This week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel ⁠⁠⁠⁠⁠⁠here. What This Episode Covers • Understanding Patagonia Chris opens with an overview of Patagonia's geography, the island of Tierra del Fuego, and the immense glaciated landscapes that define this southernmost corner of South America. Unlike large-ship cruises, this expedition cruise stays almost entirely below the South American continent, weaving through rugged, isolated islands. ... https://amateurtraveler.com/patagonia-cruise/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to prepare your money for 2026 and invest retirement savings you hope to leave to your family. How do Americans feel about their money heading into 2026? How should you invest retirement accounts you don't plan to spend so your family can benefit later? The Nerds discuss how to invest a seven‑figure nest egg in workplace retirement plans to help you understand how to balance risk, taxes and legacy goals. But first, senior news writer Anna Helhoski joins hosts Sean Pyles and Elizabeth Ayoola to discuss NerdWallet's 2026 consumer outlook survey, including how confident people feel about their financial security, which potential money setbacks are weighing on them, and what big financial moves and risks they're planning to take in the new year. Then, credit writer Amanda Barroso and investing writer Taryn Phaneuf join Elizabeth to discuss how a retired military listener and their soon‑to‑be-retired spouse might invest $1.2 million they've saved  in a TSP and 403b and  hope to leave to their children and grandchildren. They review  how TSPs and 403bs work and when it might make sense to roll them into IRAs, how to think about asset allocation when you have a long time horizon but may still face surprise retirement costs like long‑term care, and the rules around required minimum distributions and the 10‑year payout window for inherited retirement accounts. They also explore high‑level estate planning choices such as using trusts and keeping beneficiaries up to date, pros and cons of Roth conversions for heirs (including the Roth IRA five‑year rule), and how to balance leaving a legacy with using some money to create meaningful experiences with family during your lifetime. The Roth IRA 5-Year Rule: What to Know https://www.nerdwallet.com/retirement/learn/roth-ira-5-year-rule  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: 2026 financial outlook, economic outlook 2026, rising prices 2026, inflation 2026, emergency fund savings, how much emergency fund should I have, save 1000 emergency fund, pay off high interest debt, avalanche vs snowball debt payoff, debt consolidation options, nonprofit credit counseling, crypto investing risks, invest in AI stocks, start a business 2026, buying a home in 2026, financial anxiety, Gen Z finances, women and money stress, stock market crash preparation, and TSP investment strategy. 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

Tim Ranzetta interviews NerdWallet writer and personal finance expert Kate Ashford about entrepreneurship, financial education, and lessons from her career in journalism and freelancing. Kate shares early money memories, key insights she's gained from covering a wide range of personal finance topics, and practical advice for young entrepreneurs. From identifying a problem worth solving to funding a startup on a shoestring budget, the discussion explores business planning essentials. They discuss the evolving impact of AI, the importance of curiosity and communication skills, and why early jobs (even tough ones) can teach invaluable lessons. Kate offers guidance on mentorship, business structures, estate planning basics, and cultivating traits like perseverance, adaptability, and the "squeaky wheel" mindset. Packed with practical wisdom for educators and students alike, this conversation highlights what it really takes to build skills, start small, and stay flexible in a changing world.

The data for November 2025 is in, and if you're sensing a shift, you're right. We are in a moment of major market recalibration! Buyers: good news. Inventory is up over 8% over this time last year. You have more choices, and that's creating real pressure on sellers from Paso and Templeton to Pismo and Avila. The key trend? Days on Market are rising, and the gap between list price and final sale price is growing. While pending sales are up nearly 10%, closed sales fell, which is the clearest signal yet that deals are taking longer and falling apart more often. What's this mean for you? The days of guesswork are over. This market now rewards strategy. Hal and JT break down the Three Major Trends you need to understand—In this Episode of the SLO County Real Estate Podcast with Hal Sweasey. ⭐ Episode Highlights -Why “foreclosures up 20%” is a misleading headline -The massive difference between today's foreclosure numbers and the 2008 crash -How equity + low interest rates keep homeowners from selling -Why the West Coast remains 6+ years behind on new construction -NAR's forecast of 14% more transactions in 2026 -The affordability pinch: property taxes, fire insurance & maintenance -The classic debate: is renting ever better than buying? -Why timing the market rarely works for building wealth -How one NerdWallet scenario shows a $2.1M wealth advantage for buyers

In this episode of Amateur Traveler, Chris talks with returning guest and friend of the show Lee Moore, author of "China's Backstory: The History Beijing Doesn't Want You to Read" and co-host of the Chinese Literature Podcast. Lee returns to share his love for Northern Taiwan, a place he first lived in more than a decade ago while studying Chinese literature in Taipei, and a region he revisited in 2023 with his wife and two young children. Together, they explore what to see, how to get around, and why Northern Taiwan makes an unexpectedly great family-friendly adventure. This week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel ⁠⁠⁠⁠⁠here. Why Visit Northern Taiwan? Lee describes Northern Taiwan as a place rich in history, natural beauty, museums, night markets, rail-line towns, beaches, and hot springs. It blends the best of Japan and China while maintaining its own distinct culture. He jokes that you should visit now “before China invades,” but quickly follows with more grounded reasons: world-class museums, unique cultural quirks, kid-friendly public infrastructure, beautiful hikes, and easy day trips from Taipei without ever changing hotels. Learn more about your ad choices. Visit megaphone.fm/adchoices

Medicare Supplement comes in a few different variations, and each has its own merits. In this episode of our ASG Podcast, learn more about Med Supp Plan N and why it deserves a spot in your portfolio.   Read the text version  

There are many beautiful countries in Africa, but none are like Namibia.  Today we will travel from the highest sand dunes in the world to the wildest coast on the planet. We will track the last free-roaming herd of rhinos on the continent, and watch desert elephants as we float above them in a hot air balloon.  But more than anything we will discover a sense of vastness and awe that is unmatched by almost anywhere else on Earth. Taking us there is safari guide and author Peter Allison, who has been guiding in Namibia  and elsewhere in Africa for nearly 30 years. He'll tell us the story of his ultimate Namibia safari, traveling from the Sossusvlei Dunes to the Skeleton Coast.  It's an adventure filled with rare wildlife, inspiring people and more than one of his crazy stories. Get ready for a journey into the heart of the remote, and enchanting land of Namibia. Highlights include: Taking a hot air balloon ride watching the sun rise over the Sossusvlei dunes Tracking rare desert elephants and the last remaining free-roaming rhino in the world Spending time with the Himba people of the Hoanib Valley Exploring the Skeleton Coast, where the Atlantic ocean crashes against the Namib desert Sleeping under the stars in one of the largest Dark Sky Reserves in the world FIND OUT MORE A lot of our episodes are about huge expeditions and epic adventures.This one is about something you can actually do.  We've partnered with Peter's safari company Natural Selection Safaris, and tour operator Africa Endeavours - two of the most highly regarded sustainable operators on the continent - to create our dream Botswana itinerary. And it's a trip you can actually book and do yourself. To find out more go to AfricaEndeavours.com/Armchair and you will get $500 off your next trip. Even if you're just dreaming about going one day, checking out what they do is a great way to support the show. Follow Peter on Instagram @peterallisonsafari FOLLOW US: Instagram: ⁠@armchairexplorerpodcast⁠Facebook: ⁠@armchairexplorerpodcast⁠Newsletter: ⁠armchair-explorer.com⁠ PODCAST RECOMMENDATION Check out the Smart Travel Podcast: This week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel here.  CREDITS Armchair Explorer is produced by ⁠Armchair Productions⁠. Aaron Millar wrote and presented the show, Charles Tyrie did the audio editing and sound design. Learn more about your ad choices. Visit ⁠megaphone.fm/adchoices⁠. 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

In this episode of Amateur Traveler, Chris talks with travel writer and guidebook author Joshua Zukas about planning an immersive trip through Central Vietnam, a region filled with imperial history, dramatic caves, ancient cultures, beaches, wildlife, and some of the country's most distinctive cuisine. Joshua has lived in Vietnam for nearly 20 years, first in Huế and now in Hanoi, and has authored multiple guidebooks. This week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel ⁠⁠⁠⁠here. Why Visit Central Vietnam? Central Vietnam offers a compact blend of what makes the country special. Within a week, you can explore beaches, royal palaces, ancient ruins, caves, and historic neighborhoods. Spring is the ideal time to visit, while October and November bring storms and flooding. ... https://amateurtraveler.com/travel-to-central-vietnam/ 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

Mark Phipps left his native England at 19 and never looked back. After stints living in Australia, New Zealand, and the US, he now makes his home in Koh Phangan, Thailand. He is the founder of Lost In Paradise Travel, which makes trackable hardware covers for passports.Mentioned in this episode:Check out the Smart Travel PodcastThis week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel at the Link below:Smart Travel Podcast

Flighty is revolutionizing the way we manage our air travel by providing the world's fastest delay alerts and comprehensive flight tracking information. Unlike traditional airline apps that often leave passengers in the dark, Flighty predicts delays, tracks inbound aircraft, and delivers crucial weather updates, empowering travelers with timely information. For frequent flyers and anxious travelers alike, this app offers not just data but peace of mind, allowing us to anticipate changes and adjust our plans accordingly. With features such as a connection assistant and calendar sync, Flighty enhances the overall travel experience by keeping us informed and in control. Whether you fly often for business or are planning a family vacation, Flighty is proving to be an indispensable tool for navigating the complexities of air travel.Flighty is a new travel app that brings a new level of detail to alerts about flight delays, where airplanes are at a certain time, and weather details. Mentioned in this episode:Check out the Smart Travel PodcastThis week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel at the Link below:Smart Travel Podcast

In this solo episode of Amateur Traveler, Chris takes you along on a Yangtze River cruise from Yichang to Chongqing, an upstream journey through China's legendary Three Gorges. Along the way, you'll hear about naked trackers of old, a poet whose death inspired a festival celebrated across China, engineering marvels, hanging coffins, misty karst cliffs, and the modern rhythms of cruise life on the Victoria Sabrina, a ship from Victoria Cruises. This week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel ⁠⁠⁠⁠here. My thanks to Victoria Cruise Lines for treating me like a VIP, including an upgraded cabin, shore excursions, and the upgrade package with access to the Sabrina Lounge. What You'll Experience ... https://amateurtraveler.com/yangtze-river-cruise/ Learn more about your ad choices. Visit megaphone.fm/adchoices

The Black Hills Powwow is the biggest powwow in the U.S., where dancers, singers, artists, and spectators come from across North America to honor the spirit and beauty of the Great Plains Indigenous culture. The powwow comes alive through handcrafted regalia and the spirited dancers who embody history. Join us as we take in the sounds and stories from this enduring celebration that bridges generations and cultures. We meet Ruben Little Head who has been an MC at the Black Hills Powwow for 17 years, dancer and former Miss Oglala Lakota Nation winner Santana Young Man Afraid of his Horses and we get a private concert from singing and drumming group Showtime. Thank you to everyone who featured in this episode: -  Ruben Little Head -  Santana Young Man Afraid of his Horses  -  Showtime singers, Hunter Blasingame, Xavier Little Head and BJ Braveheart Recorded on-location, this audio adventure is designed to do more than just let you hear what it's like to be there; it's designed to let you feel what it's like for real. Find out more at www.travelsouthdakota.com where you'll find lots of inspiration, ideas and everything else you need to know to plan your great South Dakota adventure. Produced by Armchair Productions, the audio experts for the travel industry. Brian Thacker wrote and presented the show. Jason Paton did the field recording and audio production. Aaron Millar is the executive producer. www.armchair-productions.com FOLLOW US: Instagram: ⁠@armchairexplorerpodcast⁠Facebook: ⁠@armchairexplorerpodcast⁠Newsletter: ⁠armchair-explorer.com⁠ PODCAST RECOMMENDATION Check out the Smart Travel Podcast: This week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel here.  CREDITS Armchair Explorer is produced by ⁠Armchair Productions⁠. Aaron Millar wrote and presented the show, Charles Tyrie did the audio editing and sound design. Learn more about your ad choices. Visit ⁠megaphone.fm/adchoices⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Join us as we explore the vibrant capital of Spain, Madrid, through the eyes of fashion stylist Cathie Arquilla. In this episode, we delve into why Madrid is emerging as a premier destination for luxury shopping, world-class culture, and culinary delights that offer a distinctly Spanish flair. Cathie shares her insights from a whirlwind three-day visit, highlighting key shopping neighborhoods like the upscale Calle Serrano and the eclectic El Rastro, where every style and taste can find something special. We also discuss standout spots such as Casa Loi, renowned for its modernist design and high-quality leather goods, and unique boutiques like Hoff Shoes, where shopping meets a cozy café experience. Alongside shopping, we touch upon Madrid's culinary scene, featuring exquisite dining options like El Paraguay, known for its delectable Iberian ham and a blend of traditional and modern Spanish cuisine.A stylish sojourn seeking the best in shopping, style and fun in Madrid. GoNOMAD Writer and fashion stylist Cathie Arquilla visits Madrid and suggests some notable stops to enjoy. Mentioned in this episode:Check out the Smart Travel PodcastThis week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel at the Link below:Smart Travel Podcast

Azdean Elmoustaquim emigrated from Morocco to Houston 30 years ago, but has since turned his passion and expertise for his homeland into his travel business, Destinations Morocco.Mentioned in this episode:Check out the Smart Travel PodcastThis week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel at the Link below:Smart Travel Podcast

After 20+ years at some of the most important Silicon Valley tech companies like Yahoo, LinkedIn, Oracle, Informix and NerdWallet, Bhaskar today leads investment of enterprise infrastructure companies at 8 VC.Bhaskar Ghosh spent 20+ years at some of the most important Silicon Valley tech companies before moving into venture capital as a Partner at 8VC.After completing his PhD in computer science from Yale, he worked across Yahoo, LinkedIn, Oracle, Informix and NerdWallet. He brings this experience to founders building the next generation of enterprise infrastructure companies.In this episode Bhaskar explains how IT services are being reimagined for India, a country that over the last 25 years turned its skilled workforce into a global services engine. We discuss the shift happening inside workflows most people do not think about: mid-office ops, call centers, insurance, travel and HR. These are areas where thousands of people move information every day, and where AI is now good enough to take over entire workflows.Bhaskar talks about the founders already building in this space, including those buying traditional services companies and rebuilding them with AI at the core. He also explains why this new wave will not behave, scale or be valued like SaaS, because this is no longer pure software. It is the reinvention of services.If you are a founder making engineering decisions, someone curious about the less visible layers of software, or interested in people who move technology forward, this conversation with Bhaskar is for you.00:00 –Trailer03:03 – How India will reimagine IT services (TCS, Infosys)04:32 – “why now” of services06:07 – How unstructured data became easier to handle?07:53 – What LLMs can do today with high precision10:35 – Use of GenAI will increase margins in services11:54 – Front & mid offices will become more productive and lean14:30 – Will a pure services business scale anymore?15:55 – Legacy service businesses + AI-first software20:04 – Real challenge to operate and scale such businesses20:33 – 3 reasons on why SaaS companies get higher multiples?22:06 – Network-effect players win big in SaaS24:18 – Replacing software v/s replacing services26:16 – Business without inherent network effects (yet)28:22 – Is AI unlocking TAM larger than Software era?30:57 – How prosperity of a country influences growth of Co's32:50 – India's tech talent is key to India-US corridor39:36 – Deeply disruptive AI Co's will come from India43:04 – How new-age AI services companies of India should grow in US?44:39 – Current BPOs have an unfair advantage47:21 – Will older BPOs understand the importance of AI?49:22 – A Moat in outcome-based pricing can replace old businesses51:50 – Has the US ever been sensitive to cost?55:23 – The new AI-enabled services have a Palantir-risk flavour58:47 – Where to build when model Co's eat forward & backward revenue?01:06:10 – What type of founding teams are needed?01:08:10 – How founders think about GTM is changing-------------India's talent has built the world's tech—now it's time to lead it.This mission goes beyond startups. It's about shifting the center of gravity in global tech to include the brilliance rising from India.What is Neon Fund?We invest in seed and early-stage founders from India and the diaspora building world-class Enterprise AI companies. We bring capital, conviction, and a community that's done it before.Subscribe for real founder stories, investor perspectives, economist breakdowns, and a behind-the-scenes look at how we're doing it all at Neon.-------------Check us out on:Website: https://neon.fund/Instagram: https://www.instagram.com/theneonSend us a text

This week is an encore repeat from 2021, with Scott Neeson, former Hollywood exec who left it all to help starving children in Cambodia. Truly inspiring.Mentioned in this episode:Check out the Smart Travel PodcastThis week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel at the Link below:Smart Travel Podcast

Join Spencer Reese and Carissa Rawson, Director of Travel and Marketing at Rove and Air Force veteran, for an in-depth discussion about maximizing credit card rewards and travel benefits as a military service member. Carissa shares her journey from enlisted Arabic translator to becoming a leading voice in military credit card content, having written for The Points Guy, NerdWallet, USA Today, and Forbes. Building Credit from Scratch Starting with secured credit cards (Capital One recommended) Using personal loans from Navy Federal or USAA to establish credit history Career starter loans for new officers Building from no credit to premium cards Strategic Card Acquisition Best starter cards: Chase Sapphire Preferred, Citi Strata Premier, Amex Green Understanding bank application rules and restrictions The famous 5/24 rule with Chase Timing your applications strategically Military-Specific Benefits SCRA (Servicemembers Civil Relief Act) vs MLA (Military Lending Act) protections Annual fee waivers on premium cards Advantage for reservists and guard members opening cards before active orders Two-player mode: How dependents can also benefit from MLA protections Premium Cards Worth Getting American Express Platinum Card ($895 annual fee waived) Chase Sapphire Reserve Capital One Venture X (SCRA benefits) Hilton Honors Amex Aspire Multiple Amex Platinum cards strategy Tools and Resources Mentioned Award Wallet - Tracks points balances, expiration dates, and travel itineraries Seats.aero - Award flight search engine Max My Point - Hotel search tool for maximizing FHR credits PointMe (roame.travel) - Award alert tool for flexible travel Use Your Credits - Tracking Amex statement credits Card Pointers - Auto-adds Amex offers and tracks credits FSAFeds.gov - Application rules by bank Rove Miles - Earning transferable points through shopping portal and hotel bookings Rove Miles Platform Highlights 13,000+ shopping portal stores (vs Rakuten's 3,900) New "Loyalty Eligible" feature - book hotels while maintaining elite status benefits Earn Rove miles that transfer to 12+ airline partners Commission-based earning rates (up to 75x miles per dollar on some bookings) Immediate points posting on non-refundable bookings Guest Bio: Carissa Rawson served 7 years in the US Air Force (2009-2016) as a cryptologic language analyst (Arabic translator), including a deployment to Jordan supporting counter-ISIS operations. She's written extensively about military credit card benefits for major publications and now helps travelers earn rewards at Rove Miles. Website: rovemiles.com Contact: Reach out to Military Money Manual at podcast@militarymoneymanual.com or on Instagram @militarymoneymanual _________________________________________________________________________________ Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

In our final installment of our series on the best destinations for 2026, Pauline Frommer, Frommers.com's Editor in Chief Jason Cochran, and Managing Editor Zac Thompson discussed Palawan in the Philippines, Portugal's Algarve region, Chicago, Adelaide in Australia and Vienna, Austria.To see our Best Places to Go in 2026 photo-rich article, go to Frommers.com/BestPlaces2026.Takeaways: In 2026, Chicago will be a prominent travel destination due to the opening of the Obama Presidential Center, which is expected to significantly reshape the community. Vienna is poised to attract visitors with a plethora of cultural events, including the 250th anniversary of the Burgtheater and the reopening of the Museum of Folk Life and Folk Art. Palawan in the Philippines is becoming increasingly popular, particularly due to its stunning natural beauty and the upcoming film set to draw attention to the region. The Algarve region of Portugal will feature direct transatlantic flights in 2026, making its beautiful beaches and rich history more accessible to American tourists. Adelaide, Australia, is experiencing a renaissance with new direct flights, making it easier for travelers to explore its vibrant arts scene and natural beauty. The year 2026 promises to be exceptional for travel as various destinations celebrate significant anniversaries and cultural events that will enhance the visitor experience. Mentioned in this episode:Check out the Smart Travel PodcastThis week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel at the Link below:Smart Travel Podcast

Hear about travel to the south of England as the Amateur Traveler talks to Heather Cowper from HeatherOnHerTravels.com about hiking the Thames Path National Trail. This week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel ⁠⁠⁠here. Why should you walk the Thames Path National Trail? Heather says, "There are some people like me who are avid walkers and love to do a national trail, a long-distance trail, and I've done a few, and this was a very enjoyable one. I think this particular trail takes you through the south of England, and you really do see some quintessentially English landscapes. You've got really beautiful rural landscapes, and then as you come towards London, you've got some of the most iconic landmarks in England." In this episode of Amateur Traveler, Heather Cowper returns to the show to share her experience walking the Thames Path National Trail, a 300-kilometer (185-mile) long-distance route that follows the River Thames from its source in rural Gloucestershire all the way to London's Docklands. Heather, who hiked the trail in sections with her sister over the course of a year, explains why this is one of the most scenic, accessible, and flexible long-distance walks in England. ... https://amateurtraveler.com/thames-path-trail-in-england/ 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

 “There is something in us,” nature writer Jay Griffiths says, “that detests the tepid world of net curtains … the chloroform world where human nature is well schooled, tamed from childhood on, where the radiators are permanently on mild and the windows are permanently closed.”   Lost with her life and desperate to escape the confines of the modern world, Jay set out on a journey to explore the world's wildest places. She would explore ice, earth, water, fire and air. It would take seven years and all her savings. She would sing with cannibals in the highlands of West Papua, drink ayahuasca with shamans in the amazon. She explored the frozen arctic with Innuits and the fire desert with the aboriginals of the Australia.   Through her travels Jay learned the wisdom of the indigenous people that call these elements home. She discovered how they shaped their culture and beliefs, and in time how they shaped her too. She was seeking wildness. She was following her ‘feral angel', listening to its call to take flight and reconnect with the wildness inside her.   This episode is the original interview I did with Jay a few years ago. The documentary ‘Adventure' episode is about 100 episodes back in the feed. Check out it out on Apple, Spotify or wherever you get your show.  I'm re-running the original interview now for a couple of reasons. Firstly, it's an amazing chat, and I had to cut so much good stuff out to make the documentary. And secondly, it's Native American Heritage Month and although Jay doesn't spend time with Native Americans, her story is about learning how indigenous people connect with the wild in ice, earth, air and fire.    This is a story for anyone that's ever crawled up the walls, stared out the window and dreamed of escape. This is a call to the wild.   Highlights include: ·   Take ayahuasca with shamans in the Amazon ·   Walk naked and alone into the frozen wilderness of the Arctic ·   Trek the highlands with the freedom fighters of West Papua, one of the most remote and least-visited places on earth ·   Have dinner with cannibals ·   Find out how to apply the wisdom of the wild in our own life   Jay's book of this adventure is called ‘Wild: an Elemental Journey'. It is one of the most beautiful pieces of nature writing I have ever read and couldn't recommend it highly enough. Her latest book ‘Why Rebel?' is awesome too. Search them up wherever you get your books – you won't be disappointed! FOLLOW US: Instagram: ⁠@armchairexplorerpodcast⁠ Facebook: ⁠@armchairexplorerpodcast⁠ Newsletter: ⁠armchair-explorer.com⁠ PODCAST RECOMMENDATION Check out the Smart Travel Podcast: This week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel here.  CREDITS Armchair Explorer is produced by ⁠Armchair Productions⁠. Aaron Millar wrote and presented the show, Charles Tyrie did the audio editing and sound design. Learn more about your ad choices. Visit ⁠megaphone.fm/adchoices⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's episode, we explore whether MrBeast's pivot from giving away money to managing it marks a natural evolution or a red flag and if we looking at the rise of a financial services super-app that competes with banks—or a NerdWallet-style affiliate play that sells Gen Z customers to other financial service providers? Join the discussion with host and Head of Business Development Rob Rubin, and Principal Analysts Tiffani Montez and Max Willens.   Article mentioned in this episode: https://content-na1.emarketer.com/youtube-mrbeast-influencer-financial-services-gen-z?jid=248420&sid=10364665   To learn more about our research and get access to PRO+ go to EMARKETER.com   Follow us on Instagram at: https://www.instagram.com/emarketer/ For sponsorship opportunities contact us: advertising@emarketer.com For more information visit: https://www.emarketer.com/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com    For a transcript of this episode click here: https://www.emarketer.com/content/podcast-mrbeast-financial-youtube-s-biggest-star-disrupt-banking-gen-z-others-banking-payments-show   © 2025 EMARKETER   Consumer attention is fragmented across multiple platforms and making informed advertising decisions is more critical—and complex—than ever. With Nielsen Ad Intel, you can streamline your strategy, minimize wasted spend, and identify opportunities to differentiate your brand, empowering you to stay ahead in an ever-changing market. Discover more today. www.nielsen.com  

Hear about travel to Kosrae and Pohnpei in the Federated States of Micronesia as the Amateur Traveler talks to Lexie Brown from @lexienicolebrown on Instagram about her explorations of this remote island country. This week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel ⁠⁠here. Why should you go to the Federated States of Micronesia? Lexie says, "It is a place that's so unique, and, I think, unmatched when it comes to experiencing ancient Micronesian culture. And what's interesting about the FSM is that there are four states, and each of those states is made up of either one island or over a hundred islands, split up in a lagoon. So it's very diverse and even because each state is so far apart, they have their own language and their own culture." Lexie recommends an itinerary that focuses on Kosrae and Pohnpei, two of the four states that make up the Federated States of Micronesia (FSM) Suggested Itinerary Overview Duration: About one weekRoute: Start in Kosrae for nature, hiking, and ancient ruins Continue to Pohnpei for waterfalls, diving, and the famous Nan Madol ruins (Optional extensions: Yap for traditional culture during Yap Week in March, and Chuuk for advanced wreck diving in Truk Lagoon)  ... https://amateurtraveler.com/travel-to-the-federated-states-of-micronesia/ 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

Cathy Ladman is a longtime comedian who recently returned from a whirlwind trip to Europe. Mentioned in this episode:Check out the Smart Travel PodcastThis week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel at the Link below:Smart Travel Podcast

“The medicine man sits before a pile of hot coals spread out on the compacted red earth floor of his Hogan – the traditional home of the Navajo. “This is Native American church,” he tells me, pulling shiny black arrowheads and Golden Eagle feathers from his wooden medicine box, and twisting a thick translucent crystal before the flames. Sweat beads on my forehead: medicine men are believed to see premonitions in the burning coals that divine the nature of a patient's affliction. His eyes dilate – “I see a spider,” he says, “I see a dead man.”  A few miles away we are surrounded by the detritus of modern America but here, in Navajo country, it's as if I've slipped through the cracks into another world entirely.” In 2013, I spent a week living on the Navajo reservation with three local families. I wanted to understand the real Native America, beyond the caricatures and cliches so often portrayed in popular culture.  One night, I was invited into the home of a Medicine Man to take part in a traditional healing ceremony. It was one of the most powerful and moving experiences of my life. This is the story I wrote about that experience, and I dedicate it to those three families who welcomed me into their lives and trusted me with the honor of sharing it with you.  FIND OUT MORE Discover Navajo: if you want to visit the Navajo Nation is a way that benefits the local tribal people economically and through employment this is a great resource. It's got lots of great ideas for native led tours and experiences that will really make the culture of the navajo Nation come alive.  discovernavajo.com Ira Vandever, my guide and host, is involved in various Navajo community projects and is one of the most inspiring people I've ever met. Connect with him on Instagram: @navajohemp2020  NATIVE AMERICAN HERITAGE MONTH This episode is the first in our month-long series celebrating Native American Heritage Month. Over the years, I've been lucky to have so many incredible experiences with indigenous peoples around the world. I've learnt so much from them, and wanted to do something  that will hopefully inspire you to visit tribal owned tourism businesses and be inspired too.  Find out more at: NativeAmericanHeritageMonth.gov #NativeAmericanHeritageMonth #NativeAmericanHeritage FOLLOW US: Instagram: ⁠@armchairexplorerpodcast⁠Facebook: ⁠@armchairexplorerpodcast⁠Newsletter: ⁠armchair-explorer.com⁠ PODCAST RECOMMENDATION Check out the Smart Travel Podcast: This week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel here.  CREDITS Armchair Explorer is produced by ⁠Armchair Productions⁠. Aaron Millar wrote and presented the show, Charles Tyrie did the audio editing and sound design. Learn more about your ad choices. Visit ⁠megaphone.fm/adchoices⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

This $200M Money Manager Combines Financial Planning & Wealth Management – Meet Robert Finley Founder VirtueAMRobert P. Finley CFA, CFP®Founder & Principal at Virtue Asset ManagementVirtueAM.comAUM $200M AUMBioRobert P. Finley CFA, CFPRobert Finley is a Fee-only Certified Financial Planner and Portfolio Manager in Barrington, Chicago and Glenview Illinois. Robert is a CFA® charterholder and a CFP™ certificant with over 20 years of experience. As a trusted senior portfolio manager and fee-only financial planner in Chicago, Robert most recently managed over $375 million in assets for high-net-worth individuals. Robert has been featured in Barron's, CNBC, USA Today, US News, Money Magazine, MarketWatch,NerdWallet and Fund Intelligence. Robert serves as an Executive Board Member of the Barrington Chamber of Commerce, is an active member of the Barrington Lions Club, and also contributes as a Board Member of Evergreen Cemetery.Robert grew up in Glenview, Illinois and graduated from Indiana University with a Bachelor of Science degree in Business, Finance major. He started his career in Wealth Management at LaSalle Bank, managing money and creating financial plans for high net worth individuals, business owners, foundations and endowments. In 2007, LaSalle Bank was purchased by Bank of America and the Wealth Management department was integrated with U.S. Trust. In April 2013, Robert stayed in Chicago and moved to TIAA-CREF's Trust department as a Senior Portfolio Manager.In addition to his professional certifications, Robert is also a member of American Mensa, the Financial Planning Association, the National Association of Personal Financial Advisors (NAPFA), a Board Member of the Barrington Area Chamber of Commerce and a member of the Barrington Lions Club. He lives in Barrington, Illinois with his wife and two children.

In this episode, Kelly Gillease, two-time CMO, daily meditator, and former search marketer turned executive leader, talks candidly about the inner game behind durable leadership. She traces her path from debating podiums to performance marketing at Hotwire, through scale-up chaos at NerdWallet and post-acquisition life at TripAdvisor/Viator—sharing how mindfulness, therapy, and a “true, kind, necessary” feedback filter helped her steady teams when everything felt on fire.Kelly opens up about a tough DEI misstep, how she took the feedback without getting defensive, and why she chose to “run toward” hard conversations instead of retreat. She gets tactical about cross-functional influence (and why debate training still matters), building reputations through appreciation rituals, and choosing environments that actually fit you, even when the shinier title says otherwise.In this conversation, you'll learn:- How to use “true, kind, necessary” to deliver (and receive) feedback that lands, and what to do when it doesn't- Practical rituals for team resilience: appreciations, mindful pacing, and calmly problem-solving without losing speed- How to pick the right work environment for your wiring. and navigate the politics, pacing, and trade-offs of big-co vs. startup lifeThings to listen for:(00:00) Intro(01:47) Kelly's roots, early influences, and formative values(03:51) Where creativity meets ROI: loving both art and math(09:05) Thank you to our sponsor, Navattic(13:50) Scripts and mindsets for hard feedback and conflict(24:23) Owning a DEI misstep, pausing, and moving forward(29:22) Gratitude rituals at work and at home that build morale(39:58) Why big-company bureaucracy wasn't the right fit(44:20) Radical honesty, necessary conversations, real growthA huge thanks to this episode's sponsor:Navattic: Interactive Product Demo Software - https://navattic.com/value Resources:Connect with Kelly: https://www.linkedin.com/in/kellythepea/ Connect with Andrew:LinkedIn: https://www.linkedin.com/in/andrewcapland/ Substack: https://media.deliveringvalue.coHire Andrew as your coach: https://deliveringvalue.co/coachingJoin Growth OS: https://deliveringvalue.co/growth-operating-system

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

Hear about travel to Bhutan as the Amateur Traveler talks to Dorji Dhratyul, the former head of Tourism for the Kingdom of Bhutan. This week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel ⁠⁠⁠here. Why should you go to Bhutan? Doji says, "I think when you're talking about globally in terms of tourism, we are talking about over-tourism. The tourism destinations are getting crowded, but as of now, Bhutan is still a very pristine, quiet, and silent place. Bhutan is that place where a visitor comes here, not just on a journey, but basically they come here as an inward journey." Bhutan is one of the few countries in the world that measures its success not by GDP but by Gross National Happiness. The small Himalayan kingdom regulates visitor numbers intentionally, following its “High Value, Low Volume” tourism policy. That means fewer crowds, pristine landscapes, and a deeply authentic experience. Dorji recommends beginning with the western region, home to the country's only international airport and some of its most iconic sites. ... https://amateurtraveler.com/travel-to-bhutan-2/ 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

Krishna Shivdasani is an entrepreneur who co-created a new travel app, Now You Know. Mentioned in this episode:Check out the Smart Travel PodcastThis week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel at the Link below:Smart Travel Podcast

Whether you known him as Sasquatch, Bigfoot, Yeti, Thla'Thla, Sninik, or something else, you've heard the legends - the stories of the hairy mountain man who lives, as writer John Zada says, "in primeval nature and collective memory." And today, we're plunging deep into Canada's ancient forests to find him. But make no mistake - this isn't Bigfoot searching like you've seen before. There are no infrared cameras, scanners, or traps. Instead, we'll follow John as he listens and learns from Canada's First Nations peoples, framing his investigation within a greater story of indigenous myth, community, and sacred land. When John first began hearing about a flurry of Sasquatch sightings, he was visiting the Heiltsuk Nation in British Columbia on an unrelated assignment. But he couldn't shake the stories from his mind. Intrigued, he decided to embark on a trip dedicated entirely to following these stories to their roots. And in so doing, he uncovered something that goes much deeper than footprints or rumors. This is a story about monsters - but it's also one that tells us about ourselves. And along the way, it's about the power of myth, the need for environmental activism, and the tangled webs of our own psyches. CONNECT WITH JOHN ZADA Get a copy of John's book, In the Valleys of the Noble Beyond: In Search of the Sasquatch, online or from your local bookstore. Connect with John and see more of his work, including his photography, at his website johnzada.com, and follow him on Instagram @JohnZada. FOLLOW US: Instagram: ⁠@armchairexplorerpodcast⁠Facebook: ⁠@armchairexplorerpodcast⁠Newsletter: ⁠armchair-explorer.com⁠ PODCAST RECOMMENDATION Check out the Smart Travel Podcast: This week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel here.  CREDITS Armchair Explorer is produced by ⁠Armchair Productions⁠. Aaron Millar wrote and presented the show, Charles Tyrie did the audio editing and sound design. Learn more about your ad choices. Visit ⁠megaphone.fm/adchoices⁠. 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

Hear about travel to Kansas as the Amateur Traveler discusses a recent trip to Wichita, Kansas, for a conference and a post-conference Old West themed press trip. This week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel ⁠⁠⁠here. Why should you go to Kansas? Chris says, "This is a state that surprised me. I wasn't planning on doing an episode on this trip, but Kansas surprised me. The history and the food were all memorable. The press trip I did was about the Old West, so we visited sites about native americans, the Santa Fe Trail, railroads, cowboys, lawmen, and then later on the manufacturing of airplanes." Start in Wichita. Drive two hours northeast to Council Grove, a historic stop on the Santa Fe Trail. Day 1 – Council Grove and Abilene Kaw Mission State Historic Site: Learn about the Kanza (Kaw) tribe for whom Kansas is named, and the short-lived Methodist mission school built after the tribe ceded land to the U.S. Allegawaho Memorial Heritage Park: The only remaining Kanza-owned land in Kansas, used for powwows and home to a sacred red rock recently repatriated from Lawrence. The Last Chance Store: Once the final supply stop for wagons heading southwest toward Santa Fe. Lunch: Eat at Hays House, founded in 1857 and considered the oldest restaurant west of the Mississippi. ... https://amateurtraveler.com/travel-to-kansas/ Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when technology meets money mindset? In this conversation, Elizabeth Ayoola — writer, finance expert, and co-host of NerdWallet's Smart Money Podcast — shares how she went from writing $8 articles as a new mom to building lasting financial freedom. We get into how AI is reshaping personal finance, why emotional awareness still beats automation, and what it really takes to feel confident with your money — no spreadsheets required. You'll walk away with: A smarter way to think about AI's role in your financial life How to choose tools that actually support your habits and goals Why mindset (not math) drives lasting wealth A practical framework for building confidence with your money Want more real talk like this — plus practical tips to help you use what you hear on the show? Sign up here for Talkin' Points, a weekly newsletter with smart, judgment-free money insights delivered straight to your inbox. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  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

Hear about a road trip across the North Shore of Lake Superior as the Amateur Traveler talks to David Adler about an area that he fell in love with through a summer camp. This week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel ⁠here. Why should you drive this road trip? David says, "I think what makes it really unique is that it's a place that no one really knows about. I think it stands as one of the most beautiful spots in the world that I've ever seen. The nature there is really untouched. You'll be driving, and there'll be signs that say no gas for 150 kilometers. It's very remote." David recommended road trip itinerary along the North Shore of Lake Superior (as described in the podcast transcript) begins in Sault Ste. Marie, Ontario, and ends in Thunder Bay, following Highway 17, part of the Lake Superior Circle Tour. Here's the detailed route he outlines: Overview Route: Sault Ste. Marie → Wawa → Marathon → Thunder Bay Highway: Ontario Highway 17 (Trans-Canada Highway) Distance: ~700 km (435 mi) Duration: 5–7 days recommended Best season: Summer (May – September) ... https://amateurtraveler.com/north-shore-of-lake-superior/ Learn more about your ad choices. Visit megaphone.fm/adchoices