Podcasts about nerdwallet

Learn how the Fed rate cut impacts loans and savings, then find out when to freeze your credit and how to do it fast. What does a Federal Reserve rate cut mean for your wallet? Should you freeze your credit if an internet provider runs a soft pull? Hosts Sean Pyles and Elizabeth Ayoola kick off this episode with senior news writer Anna Helhoski to unpack the Federal Open Market Committee's (FOMC) new federal funds rate target range and how it filters through to credit cards, mortgages, auto loans, personal loans, and high-yield savings accounts and CDs. They explain why Fed chair Jerome Powell framed this as a “risk-management cut,” what dissent within the committee signals, how a cooling labor market and sticky inflation shape the outlook for additional cuts, and what stock market moves might follow. Plus, what all of that means for your near-term borrowing and saving decisions. Then, NerdWallet's Amanda Barroso joins Sean and Elizabeth for a practical lesson in credit freeze 101. They start with when and why to freeze your credit, with tips on freezing at all three bureaus, using apps for fast thawing, and setting time-boxed thaws before major credit applications. They also discuss soft vs. hard inquiries, fraud alerts vs. credit freezes vs. credit locks, and common pitfalls (forgetting one bureau, thawing too late at the car dealership, weak passwords) to help you understand when to keep your reports “frozen like Elsa,” but still move fast when you need new credit. Fed Trims Rate: What Does It Mean For You? https://www.nerdwallet.com/article/finance/fed-rate-cut-sept-2025  How to Unfreeze Your Credit With Equifax, Experian and TransUnion https://www.nerdwallet.com/article/finance/how-to-unfreeze-your-credit  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: credit card APR, mortgage refinance rates, savings account interest rates, certificate of deposit rates, stock market after Fed decision, inflation forecast, unemployment trends, federal funds rate explained, Trump pressure on Fed, dissent at FOMC, labor market cooling, tariffs and inflation, soft credit check vs hard credit check, how to unfreeze credit, thaw credit timeline, fraud alert vs credit freeze, credit lock vs credit freeze, identity theft protection steps, FTC identity theft reports, data breach protection, certified mail credit freeze, password manager for credit bureaus, how to freeze credit by phone, and credit freeze pitfalls. 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

George Jerjian had a cancer scare in his early 50's that forced him into retirement. He soon earned he needed more than just golf to keep him fulfilled, and travel filled a great hole and gave him perspective. Mentioned in this episode:Check out the new 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 at the Link below:Smart Travel Podcast

"A life worth living is lived at the edges, where it is wild"            - Rick Ridgeway Rick Ridgeway is one of the greatest mountaineers of all time. In this in-depth interview he shares the adventures that have come to define his life, and the wisdom he has learned along the way. Highlights include Getting lost while sailing across the Pacific Ocean in search of Tahit.i Taking the famous newscaster Tom Brokaw to the summit of Mount Rainier with legendary climbers Yvonne Chouinard and Doug Tompkins. Nearly dying of hypothermia while kayaking across a frozen lake in Chilean Patagonia. Discovering what it feels like to be trapped in an avalanche facing certain death. The most profound adventure of his life, a journey through the Himalayas in search of a lost friend. Learning the wisdom of a life spent in the wild and how nature can be our greatest teacher  CONNECT WITH RICK  Rick's latest book is called 'Life Lived Wild: Adventures at the Edge of the Map'. It is a beautiful memoir of a life lived to the full, immersed in the beauty and adventure of the natural world. Through this episode we will also hear some of Rick's other favorite tales of adventure and learn the wisdom those wild places have given him. More info at www.patagonia.com  CONNECT WITH US If you enjoy the show, please subscribe on whatever podcast player you're reading this on right now. Go on, do it. It means you get to choose what episodes you listen to, rather than the algorithm guess (wrongly) and kick us off your feed.  Facebook: @armchairexplorerpodcast Instagram: @armchairexplorerpodcast  Special Offer: we've revived our NEWSLETTER! (scroll to the bottom of our homepage to sign up). And contact us for a free copy of our my ebook: The 50 Greatest Wonders of the World Award-winning travel journalist Aaron Millar reveals the greatest wonders of the world and the insider secrets on how to see them. From where to catch the perfect sunrise over the Grand Canyon to how to swim up to the very edge of the Victoria Falls, this is a road map for discovering the greatest experiences of your life.  Armchair Explorer is produced by Armchair Productions. Aaron Millar presented the show, Charles Tyrie does the audio editing and sound design.  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 at the link below: https://link.chtbl.com/r7CGsP51 Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to think about AI stocks and decide if now's the time to buy a car, including how to choose between 48- and 60-month loans. Are AI stocks in a bubble? Should you buy a car now or wait? Hosts Sean Pyles and Elizabeth Ayoola discuss AI-driven market euphoria and today's car-buying math to help you understand how to balance risk in your investments and make a cost-smart auto purchase. Joined by NerdWallet senior news writer Anna Helhoski and investing writer Sam Taube, they begin with a discussion of whether AI stock valuations resemble the late-'90s dot-com era, with tips and tricks on reading signals like index P/E ratios, building diversification beyond a single index fund, and using “lazy portfolios” or robo-advisors to stay balanced. Then, auto Nerd Shannon Bradley joins Sean and Elizabeth to discuss the 2025 car market and financing choices. They discuss what stable-but-high prices mean for timing a purchase (and how tariffs could push prices higher), how much to put down and when negotiation is realistic, and choosing between 48- vs 60-month terms if you expect to pay a loan off early. You'll also hear practical pointers on pre-qualification vs. pre-approval, checking Kelley Blue Book and Edmunds pricing, avoiding prepayment penalty surprises, and a reminder to consider tax implications if you plan to clear an auto loan with pension income. Mentioned in this episode: Lazy Portfolios: How to Diversify with Just a Few Funds Best Robo-Advisors: Top Picks for 2025 Car Shopping? The ‘Big, Beautiful Bill' May Change What You Pay Estimate your monthly car loan payment and total cost with NerdWallet's auto loan calculator. Adjust car price, term, rate and down payment to find the best fit for your budget. https://www.nerdwallet.com/calculator/auto-loan-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: AI bubble, Nvidia market cap, are AI stocks overvalued, Nasdaq 100 PE ratio, S&P 500 concentration, diversification strategy, lazy portfolio, robo-advisor comparison, bond allocation, international index fund, how to invest during AI boom, dot-com bubble vs AI, used car prices 2025, average new car price KBB, car tariffs impact on prices, is now a good time to buy a car, negotiating car price, Kelley Blue Book vs Edmunds, 48 vs 60 month auto loan, auto loan interest cost, prequalification vs preapproval, hard credit inquiry car loan, prepayment penalty auto loan, auto loan calculator, refinance auto loan rules, when to buy previous model year car, dealer incentives low APR, end of month car deals, pension to pay off car, car loan term strategy, tariffs and carmakers losses, Edmunds used car average price, S&P 500 exposure to AI, best Robo advisors list, and lazy portfolio examples. 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

Freelance writer Carrie Dow created the blog, "What's Pawsitive", showcasing animal welfare experiences around the world. Mentioned in this episode:Check out the new 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 at the Link below:Smart Travel Podcast

Want your students to get excited about investing without chasing the riskiest trends? In this episode, NerdWallet's Sam Taube joins NGPF's Tim Ranzetta to share simple strategies for teaching investing with confidence. You'll hear how to use games, simulations, and real-life examples to make index funds and diversification come alive in your classroom. Sam also breaks down how to tackle FOMO, day-trading myths, and the lure of crypto with practical, student-friendly explanations. If you've ever wondered how to make the “boring” path of long-term wealth-building feel exciting, this conversation is a must-listen!

Greg Davis-Keane, the President of Frequent Miler, a blog and podcast that teaches how to make the most of loyalty points, came on to talk about why "buying portals" are excellent tools for amassing points, what the fallout is from the recent JetBlue/United partnership, which hotel chain gives the most valuable points, and ways for people to get started on this "game".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

Learn when a refi saves money and how target-date funds work, including fees and when to pick a later fund year. What exactly is a target-date fund, and when should you move your date? How do you know if now is a good time to refinance a house? Hosts Sean Pyles and Elizabeth Ayoola discuss mortgage refinancing and target-date funds to help you understand how to quantify savings on a refi and how to set (and adjust) an age-appropriate retirement glide path. To kick off the episode, NerdWallet senior news writer Anna Helhoski joins with mortgages and student loans writer Kate Wood and mortgage reporter Holden Lewis to break down why refis are spiking even without fresh Federal Reserve cuts, who's most likely to benefit right now, and how markets (not just the Fed) drive daily mortgage rate moves. They begin with a discussion of rate-and-term vs. cash-out refinancing, with tips and tricks on calculating your breakeven point, using the ~0.75 percentage-point rule-of-thumb for potential savings, and factoring in 2% to 6% closing costs and how long you'll stay put. Then, investing Nerd June Sham joins Sean and Elizabeth to discuss target-date funds. They discuss how glide paths work (to vs. through retirement), when to push your target year if you'll work longer, and how fees compare with index funds/ETFs, plus contribution frameworks (10% to 15% of income vs. the “80% replacement” rule) and why many hands-off investors value auto-rebalancing despite higher expense ratios. A listener case study (age 35, 2055 fund) highlights how to revisit your target date in the decade before retirement, how to read a fund's glide path, and why staying invested and consistent often matters more than chasing perfect timing. 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 this episode, the Nerds discuss: mortgage refinance, refinance calculator, mortgage rates today, breakeven point refinance, cash-out refinance, HELOC vs cash-out, refinance closing costs, when to refinance, refinance vs home equity loan, bond market and mortgage rates, Federal Reserve and mortgage rates, target-date fund, best target-date funds, target-date fund glide path, to vs through glide path, 401k target-date fund, change target-date fund year, 2055 target-date fund, target-date fund fees, expense ratio comparison, ETF vs mutual fund, index funds S&P 500, retirement contribution 10 to 15 percent, 80 percent income replacement rule, taxable brokerage vs 401k, annuity vs staying invested, debt consolidation with home equity, credit card APR vs mortgage rate, divorce refinance requirements, stay-or-sell breakeven analysis, and refinance eligibility 2025. 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

Quebec native Evlyn Mondo had a dream to retire to a warm tropical island. She made it come true when she and her husband purchased a luxury villa in Barbados.Mentioned in this episode:Check out the new 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 at the Link below:Smart Travel Podcast

Bhaskar Ghosh, Partner at 8VC, reflects on his journey from Calcutta to Silicon Valley, spanning influential roles at Oracle, Yahoo, LinkedIn, and NerdWallet before moving into venture capital. Now a leader at 8VC, BG introduces his “geometry framework” (persona, product, budget) for enterprise startups, shares insights on the opportunities in generative AI and data infrastructure, and talks about why managing uncertainty is the core skill in zero-to-one journeys. He also emphasizes intentional networking, the long-term nature of venture relationships, and his deep passion for music through his support for Ragas Live.In this episode, you'll learn:[01:56] BG's early journey from Calcutta to Silicon Valley and his career in academia, Yahoo, Oracle, LinkedIn, and NerdWallet[06:10] Why he calls himself a “secondhand entrepreneur” and what excites him most about venture capital[11:22] 8VC's focus areas and why incubation is core to the firm's strategy[14:05] The “geometry framework” for evaluating enterprise startups: persona, product, budget[19:30] Where BG sees opportunity in generative AI: orchestration, knowledge graphs, semantic layers, observability[25:12] Why networking must be intentional and based on service, not transactions[28:34] BG's advice to founders on standing out and building authentic investor relationshipsThe non-profit Bhaskar is passionate about:  SACSA (Society for Arts and Culture of South Asia)About Bhaskar GhoshBhaskar Ghosh (BG) is a Partner at 8VC, where he leads investments in enterprise software, AI, data infrastructure, fintech, and healthcare, while incubating multiple startups. Previously, he held senior roles at Oracle and Yahoo, was the founding head of data infrastructure at LinkedIn, and served as CTO at NerdWallet, helping scale it to IPO. BG holds a PhD in Computer Science from Yale and is passionate about helping founders navigate zero-to-one journeys. Outside venture, he is deeply engaged in Indian classical music and supports community initiatives like Ragas Live.About 8VC8VC is a venture capital firm with approximately $7B in assets under management, investing in transformative technologies across enterprise software, AI, healthcare, logistics, fintech, and defense. With offices in Austin and San Francisco, 8VC partners with early-stage founders and also dedicates significant capital to incubation—building new companies alongside entrepreneurs. Its mission is to back ambitious founders solving global problems with scalable, science-driven solutions. 8VC's portfolio includes category-defining startups that are shaping industries and tackling global challenges, including DataHub, Yugabyte, LightBeam, Tezi, OpenGov, Nile, AI21 Labs, AMP, Bedrock Robotics, 180° Insurance, Cambium, Candid Health among others.Subscribe to our podcast and stay tuned for our next episode.

Our journey today on GoNOMAD takes us to the Lanaudiere-Mauricie region of Quebec, a destination teeming with outdoor adventures, local farms, and unique attractions. We explore exhilarating activities such as mountain biking through narrow trails leading to stunning waterfalls, and we unwind by enjoying the comforts of La Baluchon Eco Village, an eco-friendly retreat that offers a range of outdoor experiences amidst abundant nature. We also delve into local gastronomy, featuring meals sourced from the surrounding wilderness, including a visit to a bison farm where we learn about these magnificent creatures and their role in the ecosystem. The episode highlights the diversity of activities available in this scenic part of Canada, from kayaking in protected green spaces to engaging in an immersive escape room experience. Join us as we uncover the charm and excitement of Landaudiere-Mauricie, a region that invites exploration year-round.The region of Lanaudiere-Mauricie, just south of Quebec City, is full of farms, fun attractions and exciting outdoor adventure. From ziplines to farm visits, to an amazing Escape room called the Escaparium, this part of Canada is just a few hours north of the U.S. and welcomes visitors all year long.Mentioned in this episode:Check out the new 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 at the Link below:Smart Travel Podcast

Find out when it's worth splurging on kitchen gear and how to switch banks without losing your financial footing. What kitchen tools are actually worth the money? Is switching to an online bank really worth the hassle? Hosts Sean Pyles and Elizabeth Ayoola discuss the value of investing in high-quality kitchen gear and what to consider when moving your money to an online bank so you can make smarter, more intentional financial choices. They begin by speaking with Michele Norris, host of the podcast Your Mama's Kitchen. She explains how you can align your purchases with your cooking habits — without falling for social media hype. Plus, they discuss how to think about home kitchen upgrades, including tips and tricks on choosing the right knife or stove, knowing when to skip premium brands, and avoiding aesthetic-driven purchases that don't match your lifestyle.  Then, NerdWallet consumer banking editor Ruth Sarreal joins Sean and Elizabeth to discuss how to evaluate whether switching banks makes sense. They explore how to compare rates and fees, keep your auto-payments organized, and transition smoothly without damaging your credit or missing a bill. NerdWallet's roundup of the best online checking accounts: https://www.nerdwallet.com/best/banking/online-checking-accounts  In their conversation, the Nerds discuss: high yield savings account, switching banks, best kitchen appliances to buy, online-only banks, SoFi checking account, bank account switching process, best knives for home cooks, Vitamix vs Ninja blender, Le Creuset alternatives, when to splurge on appliances, budgeting for kitchen upgrades, online banks vs traditional banks, how to switch banks, ATM access with online banks, pros and cons of online banks, choosing a stove, best air fryer to buy, kitchen appliances worth the money, countertop appliances, instant pot storage, what to look for in a blender, managing multiple bank accounts, best checking accounts, how to avoid bank fees, how to transfer auto-payments, comparing bank APYs, personal finance for home cooks, financial planning for kitchen purchases, emotional value of kitchen gear, and sentimental kitchen items. 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

Our Bucket List episodes showcase the greatest travel experiences on the planet. Today, we're going to the deserts of Arabia to go stargazing with the Bedouin and learn their secrets of the stars. This episode is about learning to see the stars through the eyes of a people who have lived in the Arabian desert for thousands of years, and whose very existence, and survival,l was shaped by the night sky. Recorded on location in our immersive documentary style, this episode is a chance to hear the Bedouin's stories of the sky. For it is through those stories of love, tragedy and revenge that they passed down the secrets of ancient astronomy. When we look at the night's sky we see fiery distant suns and orbiting planets. When they look at it, they see poetry, and the whole gamut of human experience written into each far off sparkling light. Let's set the scene: We have travelled for two hours into the El Harameal desert, from the oasis town of Alula, in Saudi Arabia, a place that few outsiders have seen before. Blankets and pillows are laid out in the sand, night has fallen, and a young Saudi woman named Badrea begins to speak… FIND OUT MORE If you enjoyed this episode, check out our full documentary series which we recorded on location: the Elements of Alula. Our first three episodes: water, earth and air were out last year. It was an incredible trip filled with ancient heritage sites, insane adventures, Arabian horses and one hot air balloon crash that turned out to be the most we've laughed on any trip.  Find out more about the destination at ExperienceAlula.com. Check out @experiencealula on Instagram, Facebook and X for more inspiration and ideas. SPONSORS: This episode is brought to you by BetterHelp. Give online therapy a try at ⁠betterhelp.com/ARMCHAIR⁠ and get on your way to being your best self. 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 at the link below: ⁠https://link.chtbl.com/r7CGsP51 CONNECT WITH US If you enjoy the show, please subscribe on whatever podcast player you're reading this on right now. Go on, do it. It means you get to choose what episodes you listen to, rather than the algorithm guessing (wrongly) and kicking us off your feed.    Following the show on socials will definitely maybe bring you good travel karma! Instagram: @armchairexplorerpodcast Facebook: @armchairexplorerpodcast Learn more about your ad choices. Visit megaphone.fm/adchoices

Emily Thompson, Executive Director of The Coalition to Protect America's National Parks was our first guest, followed by Claire Fahy, a reporter for the New York Times, who gave tips on how to protect yourself when ordering and using Lyft, Uber or another ride share app.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

Airfares are down, hotel deals are back, and cruises are suddenly hot again. But knowing when to book and how to stretch your points is more confusing than ever. NerdWallet's Sally French, co-host of the Smart Travel Podcast, joins us to cut through the noise with tips for the holiday season and beyond. We dig into the sweet spot for how far out to book flights, why Tokyo just jumped ahead of Paris as a top global destination, and how to take advantage of the cruise and all-inclusive boom. Sally also breaks down the truth about credit card rewards—why she carries 18 cards, which perks actually pay off, and why holding onto points too long can cost you. From packing hacks to avoiding lost luggage to the rise of luxury travel, this episode is packed with practical advice for anyone planning trips in the months ahead. Check out the Smart Travel Podcast Check out the Travel Nerd Newsletter This episode features a paid guest appearance by NerdWallet. We are not your financial or investment advisors. This nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances.We'll talk about some credit card companies that are NerdWallet partners in this episode, but that doesn't influence how we discuss them.Some offers may have expired by the time you're listening. For the latest details, follow the links in the episode description.

Airfares are down, hotel deals are back, and cruises are suddenly hot again. But knowing when to book and how to stretch your points is more confusing than ever. NerdWallet Travel Expert and co-host of the Smart Travel podcast Sally French joins us to cut through the noise with tips for the holiday season and beyond. We dig into the sweet spot for how far out to book flights, why Tokyo just jumped ahead of Paris as a top global destination, and how to take advantage of the cruise and all-inclusive boom. Sally also breaks down the truth about credit card rewards—why she carries 18 cards, which perks actually pay off, and why holding onto points too long can cost you. From packing hacks to avoiding lost luggage to the rise of luxury travel, this episode is packed with practical advice for anyone planning trips in the months ahead. ⁠Check out the Smart Travel Podcast⁠ ⁠Check out the Travel Nerd Newsletter⁠ This episode features a paid guest appearance by NerdWallet. We are not your financial or investment advisors. This nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances.We'll talk about some credit card companies that are NerdWallet partners in this episode, but that doesn't influence how we discuss them.Some offers may have expired by the time you're listening. For the latest details, follow the links in the episode description.

Before cohabiting, how do you talk about finances without conflict? Plus: the global forces pushing up your coffee and tea bill. Why are your daily coffee, tea, or matcha drinks costing more? What financial conversations should you have with your partner before signing a lease together? Hosts Sean Pyles and Elizabeth Ayoola explore rising beverage costs and relationship money talks to help you understand how tariffs, inflation, and personal values affect your wallet. Joined by NerdWallet's Anna Helhoski and editor Rick VanderKnyff, they begin with a discussion of global coffee and tea markets, with tips and insights on why tariffs and climate change are raising prices, how supply chains are shifting to new exporters, and what consumers can do to get their caffeine fix. Then, Sean and Elizabeth discuss how couples can navigate money conversations with each other before moving in together. They cover key issues like how to split expenses proportionally, why you need a personal emergency fund, and the importance of discussing debt, income, and financial values openly. Together they highlight strategies for handling conflict, aligning goals, and deciding whether (and when) to combine finances, to help couples set themselves up for financial and relational success. Survey: One in 10 Americans Would Never Date Someone with Credit Card Debt https://www.nerdwallet.com/article/finance/data-undateable-debt  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: rising coffee prices, tea prices rising, matcha shortage, matcha prices, tariffs on coffee, tariffs on tea, tariffs on matcha, climate change and coffee, climate change and tea, coffee inflation, tea inflation, rising coffee costs, why is tea expensive, matcha demand social media, U.S. coffee imports, Japan matcha exports, cost of Starbucks coffee, cost of matcha latte, moving in with partner finances, how to talk about money with a partner, financial conversations before moving in, splitting bills with partner, joint account vs separate accounts, sharing income with partner, debt in relationships, credit scores and renting, financial goals with partner, emergency fund before moving in, combining finances with a partner, money conflicts in relationships, high earner relationships, household expenses split, and moving expenses budgeting. 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

English adventurer Oli France shares Tales of his treks to go from the lowest to highest points on each continent by human power alone.Mentioned in this episode:Check out the new 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 at the Link below:Smart Travel Podcast

Learn about banking blacklists and how to decide when sign-up bonuses are worth your time and money. Why might you get denied when trying to open a new bank account online, even if all your information is correct? When are bank account sign-up bonuses really worth pursuing? Hosts Sean Pyles and Elizabeth Ayoola explain how banks verify identities, what can cause account applications to fail, and how seasonal spending habits affect financial planning to help you better manage your cash flow and set realistic expectations. But first, they kick off the episode by discussing how summer expenses like weddings, vacations, utility bills, and back-to-school shopping can disrupt budgets, and how to prepare emotionally and financially for an expensive fall. Then, NerdWallet banking writer Margaret Burnett joins Sean and Elizabeth to discuss why banks sometimes block new account applications and how to navigate “banking blacklists.” She helps answer a listener's question about repeated online account denials, and together they walk through how verification systems work, what ChexSystems and Early Warning Services track, and how to clean up your record. They also break down when bank account sign-up bonuses are worth it, what fine print to watch for, and how to balance rewards with potential risks. 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 Best Bank Bonuses and Promotions of August 2025 (up to $3,000) https://www.nerdwallet.com/best/banking/best-bank-bonuses-and-promotions  What to Do if You're Listed in ChexSystems https://www.nerdwallet.com/article/banking/steps-to-clear-up-your-chexsystems-record Blocked From Getting a Bank Account? Learn About ChexSystems https://www.nerdwallet.com/article/banking/blocked-by-chexsystems-what-to-know Banks That Don't Use — or Will Look Past — ChexSystems https://www.nerdwallet.com/article/banking/banks-that-dont-use-or-will-look-past-chexsystems  Second Chance Checking Accounts Across the U.S. https://www.nerdwallet.com/article/banking/second-chance-checking  In their conversation, the Nerds discuss: bank account denied online, banking blacklist, ChexSystems, early warning services, bank sign-up bonus, bank bonuses, high yield savings account, verifying identity for bank account, blocked by bank, open bank account online problems, how to dispute ChexSystems, early warning services report, how to get off ChexSystems, bank fraud prevention systems, denied checking account, high risk banking customer, banking verification system, online bank application failed, identity mismatch bank account, checking account promotions, sign-up bonus fine print, taxable bank bonuses, 1099 bank bonus, avoiding bank account fees, managing multiple bank accounts, best banks for sign-up offers, credit union account opening, how to open checking account, banks that don't use ChexSystems, new bank account requirements, and bank promotions 2025. 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

Today we're sharing an episode from the Red Bull podcast: How to be Superhuman.   How To Be Superhuman is about pushing the limits of human potential, from conquering terrifying climbs and kayaking down jaw-dropping waterfalls to swimming the world's longest rivers, running through uncharted mountain kingdoms, and embarking on solo expeditions to the most remote corners of the globe. In each episode, host Rob Pope and the athlete dive into the physical and mental resilience behind these awe-inspiring feats, offering immersive storytelling and insights into overcoming the world's greatest challenges.  Today, extreme paraglider Tom de Dorlodot shares his passion for flying among the world's highest mountain peaks. Hear what it takes to paraglide at extreme altitude, the survival mindset required, and why the spirit of adventure keeps drawing him back to unforgiving terrain.   If you like this episode, you're going to love the full series. Check it out, where you listen to podcasts!  Apple Podcasts Spotify redbull.com Head to instagram.com/redbulladventure for more superhuman content FOLLOW US: Instagram: ⁠@armchairexplorerpodcast⁠ Facebook: ⁠@armchairexplorerpodcast⁠ Newsletter: ⁠armchair-explorer.com⁠ If you enjoy the show, please subscribe on whatever podcast player you're reading this on right now. Go on, do it! It helps us grow the show and continue to bring inspiring travel stories your way. SPONSORS: This episode is brought to you by BetterHelp. Give online therapy a try at betterhelp.com/ARMCHAIR and get on your way to being your best self. 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 at the link below: https://link.chtbl.com/r7CGsP51 CREDITS: Armchair Explorer is produced by ⁠Armchair Productions⁠.  Aaron Millar wrote and presented the show, Charles Tyrie did the audio editing and sound design. Jason Paton is our lead producer, and our theme music is by the artist ⁠Sweet Chap⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Full YT Version: https://youtu.be/D4RjJe8BTUI?si=oaqNzqT4jSIQq7KoJoin us for a full review of our luxurious stay at the Kimpton Grand Roatan in Honduras. From bungalows with outdoor showers to a world-class spa tucked in the jungle, we cover everything you need to know — including the exact points strategy we used to save hundreds on this 5-star experience.

Jason Cochran, author of Frommer's London, discussed the newly opened parts of the Houses of Parliament that visitors can see, London's brand new Vagina Museum, a blockbuster show at the Victoria and Albert, tours of abandoned Underground stations and more. Then the New York Times Seth Kugel unpacked a major fail by Delta Airlines, with some useful lessons on what travelers need to know when things go wrong.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 Nerds debut a new Budget Rehab segment, dissecting a real family's budget to reveal strategies for saving more, investing smarter, and managing lifestyle costs. Plus: tariffs' role in rising auto insurance. Why are auto insurance premiums continuing to climb, and what do tariffs have to do with it? How can a real family adjust their budget to meet their financial goals? Hosts Sean Pyles and Elizabeth Ayoola debut a new Budget Rehab segment, where they take a hands-on approach to evaluating a listener's finances. But first, they're joined by senior news writer Anna Helhoski and insurance Nerd Andrew Hurst to unpack the forces driving auto insurance costs higher in 2025. They discuss how tariffs on imported parts, inflation, and more expensive claims are putting pressure on premiums—and what drivers can do to find competitive rates in a shifting insurance market. Then Sean and Elizabeth are joined by Garrett, a listener who receives the first “Budget Rehab” on Smart Money. They walk through his family's finances step by step, from a stretched grocery bill and drained emergency fund to the challenges of saving while raising a young child. The conversation covers how Garrett and his wife can rebuild their financial cushion after buying a new car, prepare for the possibility of living on one income, and expand retirement savings through tools like IRAs and solo 401(k)s. Along the way, they highlight practical strategies for balancing wants and needs while still leaving room for joy in the family budget. Inspired to navigate your finances with an advisor? Use NerdWallet Advisors Match to find vetted professionals today at https://www.nerdwalletadvisors.com/match  NerdWallet Wealth Partners is a fiduciary online financial advisor, offering low-cost, comprehensive financial advice and investment management: https://nerdwalletwealthpartners.com/  Rates for auto and homeowners insurance have been on the rise. NerdWallet's here to help consumers navigate those changes: https://www.nerdwallet.com/insurance/data#auto-insurance  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 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: budget rehab, household budget planning, how to use 50/30/20 budget, family budget with one income, rebuild emergency fund, self-employed budgeting tips, budgeting for stay at home parents, budgeting for a baby, how to save on groceries, Costco vs Trader Joe's groceries, reducing travel expenses, retirement savings for self-employed, IRA contribution limits, rising auto insurance costs 2025, auto insurance tariffs, car insurance premiums 2025, supply chain car parts, reinsurance premiums, weather-related claims auto insurance, social inflation insurance, state auto insurance increases, and comparing car insurance rates. 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

A year teaching English in South Korea inspired Eryn Gordon to create her own travel blog/guide, EarthToEditorial.com.Mentioned in this episode:Check out the new 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 at the Link below:Smart Travel Podcast

Balancing leadership, motherhood, and startup life takes more than time management—it takes clarity of purpose and the courage to lead differently. In this episode, Amanda DeLuca, Founder & CEO of Riley, shares how clarity, empathy, and lived experience have shaped her journey from leadership roles at Google, Eventbrite, NerdWallet, and Etsy to launching a parenting platform that meets families where they are. You'll hear how Amanda transformed the challenges of early motherhood into a mission-driven business, built a culture of trust in high-growth environments, and learned to protect her priorities without losing momentum. Tune in to discover how to turn personal insight into innovation, lead with empathy and accountability, and navigate life's most demanding seasons with purpose. Visit our website where you will find show notes and links to all the resources in this episode, including the best way to get in touch with our special guest. The key moments in this episode are: [00:00] Introduction to Beyond Barriers Podcast [00:27] Empowering Failure and Innovation [01:17] Meet Amanda DeLuca: Career Journey [05:00] The Birth of Riley: Solving Parenting Challenges [13:23] Decision Making: Hats, Haircuts, and Face Tattoos [18:11] Leadership and Personal Growth [22:41] Balancing Public and Private Life [27:21] Balancing Work and Family Life [24:42] Leadership Lessons from Mentors [30:54] Handling Criticism and Emotional Reactions [33:14] Daily Rituals and Family Time [34:09] Empowerment Through Parenthood [37:53] Advice to My Younger Self [44:18] Lightning Round and Final Thoughts

“The first time I entered here I was 18 years old…I'd always heard about the Pendleton Roundup, it's just iconic. I was driving in thinking, I've made it, you know, I've made it” “You can name any sport, basketball, football, whatever. [Rodeo] just isn't that way. These events started and evolved from ranching. They've molded it into a sport, and that's just outta cowboy try. I have a ranch, Pat has a ranch, and for the people that watch ‘Yellowstone', that's a lot like his place.” Welcome back to Pendleton, Oregon, home of the world-famous Roundup that we covered in a previous episode. While saddle broncs bucked and thousands cheered outside, we snuck into a storage room for kegs and liquor to interview two absolute legends in rodeo. Butch Knowles of the Pro Rodeo Hall of Fame, 1988 Olympics USA Gold Medal Team, who spent decades broadcasting with the NFR. And Pat Nogle, a bulldogging champion with a collection of medals and records that stand to this day. The conversation was full of bawdy tales and laughter, but also deep introspection on what western culture means to actual ranchers like them, and also to the 50,000 fans that come to Pendleton every September.  LET ‘ER BUCK! If you haven't already, go back and listen to ‘Let ‘er Buck! Broncos, Steers, Whiskey & Beer at the Pendleton Roundup.' And remember, you can see all of this yourself! Go to PendletonRoundup.com for details and take our advice: book early! Plan your next Oregon adventure at TravelOregon.com Thank you to the guests featured on the show: Pat Nogle and Butch Knowles This series was produced by Armchair Productions, the audio experts for the travel industry.  SPONSORS: This episode is brought to you by BetterHelp. Give online therapy a try at ⁠betterhelp.com/ARMCHAIR⁠ and get on your way to being your best self. 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 at the link below: ⁠https://link.chtbl.com/r7CGsP51 Find out more at armchair-productions.com Brian Thacker led our pre-production, Charles Tyrie assisted on audio editing, and the episode was recorded by Jason Paton who also wrote and co-produced along with host Aaron Millar.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Business and Education - NerdWallet Personal Finance

Slovenia, a small yet captivating nation nestled just below Austria, offers far more than a fleeting visit to its iconic Lake Bled. In this episode, we explore the rich tapestry of experiences that this green country has to offer, from the charming streets of its capital, Ljubljana, to the picturesque coastal town of Piran. Our writers, Cathie Arquilla, Sharon Kurtz, and Bel Woodhouse, share their highlights, which include truffle hunting in the Horjul region, savoring culinary delights at the Restaurant Gric, and enjoying the vibrant wine culture in the Pava Valley. With over 60% of its landscape covered in forests, Slovenia is a paradise for outdoor enthusiasts, providing ample opportunities for hiking, kayaking, and mountain biking. Join us as we explore Slovenia's unique blend of nature, culture, and gastronomy, painting a picture of a destination that invites you to linger and explore.Read more on GoNOMAD.com Travel https://www.gonomad.com/255006-why-slovenia-should-be-your-next-foodMentioned in this episode:Check out the new 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 at the Link below:Smart Travel Podcast

Rolando Pujol, author of the just released book "The Great American Retro Roadtrip: A Celebration of Roadside Americana" was our guest, and he discussed the history of the motel (turning 100 in 2025), roadside "Giants" you must see, Googie architecture, and more. 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 mid-year money check-in, Mosheh is joined by Sean Pyles and Elizabeth Ayoola, co-hosts of NerdWallet's Smart Money Podcast, to tackle the questions we're all asking: How do the latest economic headlines actually affect my wallet? From tariffs and grocery bills to debt, side hustles, and retirement planning, they break down practical ways to navigate an unpredictable economy without losing your sanity - or your savings. Their conversation covers everything from stretching your back-to-school budget to finding side hustles that make sense for your skills, to why an emergency fund is your financial life jacket. You'll also hear tips on tackling debt faster, setting realistic goals, making smart investments (without falling for shiny distractions), and pivoting your plans when life throws a curveball. If money stress has been holding you back, this episode is packed with the tools, mindset shifts, and strategies you need to reset and make the rest of 2025 count._________________________ NerdWallet's Mid-Year Financial Goals Check-In Report NerdWallet's Smart Money Podcast We are not your financial or investment advisors. This nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances. This episode features a paid guest appearance by NerdWallet.

In this mid-year money check-in, Mosheh is joined by Sean Pyles and Elizabeth Ayoola, co-hosts of NerdWallet's Smart Money Podcast, to tackle the questions we're all asking: How do the latest economic headlines actually affect my wallet? From tariffs and grocery bills to debt, side hustles, and retirement planning, they break down practical ways to navigate an unpredictable economy without losing your sanity - or your savings. Their conversation covers everything from stretching your back-to-school budget to finding side hustles that make sense for your skills, to why an emergency fund is your financial life jacket. You'll also hear tips on tackling debt faster, setting realistic goals, making smart investments (without falling for shiny distractions), and pivoting your plans when life throws a curveball. If money stress has been holding you back, this episode is packed with the tools, mindset shifts, and strategies you need to reset and make the rest of 2025 count._________________________ ⁠NerdWallet's Mid-Year Financial Goals Check-In Report⁠ ⁠NerdWallet's Smart Money Podcast⁠ We are not your financial or investment advisors. This nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances. This episode features a paid guest appearance by NerdWallet.

Is tapping your home equity ever a smart way to reset your finances? One listener's story reveals what to weigh before selling. Should you sell your house to wipe out credit card debt and start over? What are the hidden trade-offs when using home equity to eliminate debt? Hosts Sean Pyles and Elizabeth Ayoola talk with a listener navigating $55,000 in debt while managing a rental property, weighing whether a sale could lead to long-term stability or a missed opportunity. But first, senior news writer Anna Helhoski shares insights from her conversation with Erin El Issa, a senior data writer at NerdWallet, about a new report on back-to-school spending, including actionable tips for saving money on school supplies amid inflation, tariffs, and social pressures. Then, Sean and Elizabeth answer a listener's question about whether selling their home is the right move to eliminate $55,000 in debt and build a fresh financial start. They explore how to evaluate the trade-offs between long-term equity and short-term relief, model future cash flow with or without rental income, and factor in tax consequences from withdrawing retirement funds or timing a home sale. Take the Smart Money Podcast Listener Survey 2025 and enter to win a prize! https://nerdwallet.com/podsurvey  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 What You'll Learn in This Episode

Today, we explore the small seaside village of Port Wren in Cornwall, known in reality as Port Isaac, which served as the stunning backdrop for the beloved BBC series Doc Martin. From 2004 to 2022, the show captivated audiences with the story of Dr. Martin Ellingham, a brilliant but socially awkward physician who leaves London for a quaint Cornish village after developing a phobia of blood. This picturesque setting not only enhanced the narrative but became an integral part of the series, drawing fans from around the world to experience its charm firsthand. As we delve into the impact of Doc Martin on both the fictional and real-life Cornwall community, we will hear from writer Larry Wells, who shares his personal pilgrimage to this coastal haven. Join us as we uncover how this small village transformed into a tourist destination, forever linked to the legacy of the show and its endearing characters.Writer Larry Wells, a frequent contributor to the NY Times Syndicate, took the trip to visit Port Wren himself. He's a big fan of the show, he lives in Mississippi.Mentioned in this episode:Check out the new 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 at the Link below:Smart Travel Podcast

Come glide down the muddy Mekong river in Vietnam with staff writer Chin Liang, and discover the scents, scenes and sweetness of coconut candy and a river boat ride. Visit a bee farm for a honey treat and feel what it's like to have royal jelly massaged on your hands. Join us as we venture into the serene beauty of the Mekong Delta in Vietnam, leaving behind the hustle of Ho Chi Minh City for a day filled with exploration and indulgence. In this episode, we accompany senior writer Chin Liang on a captivating trip that highlights the region's lush landscapes, vibrant culture, and delightful flavors. From the sun-dappled orchards bursting with tropical fruits to the tranquil boat rides across the chocolate-hued river, every moment is a sensory experience. We visit a bee farm to enjoy honey tea and learn about the benefits of royal jelly, and witness the process of making coconut candy at a local factory. As we navigate through narrow canals and vibrant celebrations at the Grand Vinh Trang Pagoda, we are reminded of the importance of slowing down and savoring the simple joys that the Mekong has to offer.Chin Liang TehTeh Chin Liang is a long-time travel journal contributor to Dave's Travel Corner and Global Travel Insider. Besides travel journals, he loves writing prose and poetry. When he is not writing, he enjoys reading and traveling to get inspiration for his writing. He lives in Penang, Malaysia, a scenic island city that is also a UNESCO heritage site.Mentioned in this episode:Check out the new 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 at the Link below:Smart Travel Podcast

Is retiring in your 50s actually realistic for everyday Americans? According to a recent NerdWallet survey, the average target retirement age for households earning $100,000+ isn't 65—it's 58. And these aren't tech moguls or lottery winners. They're teachers, small business owners, and dual-income couples who've steadily built their nest eggs and now want to enjoy their healthy, active years while they can. But retiring in your 50s requires a very different kind of plan. One that accounts for early withdrawal penalties, health insurance gaps, and delayed Social Security. These obstacles are the "triple threats" of early retirement. In today's episode, I'll share how to combat them and provide a simple 5-step process for turning your retirement vision into a reality.  *** SCHEDULE A COMPLIMENTARY DISCOVERY CALL: Looking to hire a retirement and tax planning expert? We help 100+ families across the country navigate retirement, optimize investments, and reduce taxes.

Some say the secret to a great trip is preparation. As travelers wind down their summer vacations, it's time to start thinking about fall. NerdWallet's Smart Travel podcast co-host Sally French helps us stay ahead of the curve by sharing a few travel savings tips for the upcoming season.  

In this episode, we speak with Tony Steuer, CLU, LA, CPFFE, an internationally recognized financial fluency advocate, award-winning author, and host of The Get Ready Money Podcast. Financial fluency and planning mirrors much of what individuals experience in their career planning and progression. Think of mindset, personal preferences, emotions, and life goals. Topics in the discussion include: How goal setting can help you choose various paths that align with what you want in life Financial fluency is something people can learn at any point in life Understanding job and financial scams, and things to be on the lookout for if they come to you As the founder of The Get Ready Movement, Tony is leading a shift in how we think about money—not just as numbers, but as a tool for living a more intentional and empowered life. Through his books, podcast, curated recommendations, and expert insights, Tony helps financial professionals, educators, and individuals ask better questions, foster meaningful money conversations, and take purposeful action. He is the Chief Evangelist at Yetworth Collaborative and serves as an advisor to Insurance Nerds and Dingo Technologies. Tony's thought leadership has earned recognition as a Finalist in ThinkAdvisor's LUMINARIES Class of 2022 for Thought Leadership & Education. He has served as a Judge for the MAIA Awards and the 2023 Finder Innovation Awards, and as a longtime member of the California Department of Insurance Curriculum Board. A trusted voice in the media, Tony contributes as an expert content reviewer for Nerdwallet, Bankrate, and Forbes Advisor, and has been featured by ABC's Seven on Your Side, CNBC, Cheddar TV, The New York Times, Washington Post, Fast Company, Chicago Tribune, and Fox Business News. Tony's website is https://www.tonysteuer.com/ The episode is moderated by Justyn Makarewycz, Deputy Director, Employer and Recruiter Relations at the GCMC (https://www.linkedin.com/in/justyndm/)

Your business is growing, and you've got new agents excited to get out in the field! In this episode we've got tips and strategies for training downline agents. Read the text version   Developing an Agency – Your Guide to Getting Started   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Ritter Blog: 4 Tips for Making a Better Insurance Sales Pitch How to Get Health and Life Insurance Continuing Education Credits as an Agent How to Recruit Insurance Agents to Your Downline The Best Books for Insurance Agents The Ritter Blog Tips for Becoming a Top Producing Insurance Agency What Are Insurance Hierarchies & How Do They Work?   Podcast Episodes: Level Up: The Value of Sales Shadowing for New Insurance Agents Setting Up Your Insurance Business Structure ft. Frank Lavery & Justin Abodalo Should You Hire an Assistant for Your Insurance Business? The Agent Survival Guide Podcast   Additional Resources: Events with Ritter Insurance Marketing FREE eBooks & Guides for Insurance Agents Integrity Tools & Resources Knight School Training for Agents MA & PDP Compliant Sales Checklist Meet Your Ritter Sales Team Ritter Docs Agencies Ritter Insurance Marketing on YouTube Ritter Summits   References: “7 Types of Learning Styles and How to Teach Them.” Teachable, https://teachable.com/blog/types-of-learning-styles. Accessed 8 July 2025. Chen, Jessica. “10 Best Virtual Meeting Platforms & Software (Tried & Tested).” Teambuilding.Com, 12 Feb. 2025, https://teambuilding.com/blog/virtual-meeting-platforms. “40 Reflection Questions.” Edutopia, https://www.edutopia.org/pdfs/stw/edutopia-stw-replicatingPBL-21stCAcad-reflection-questions.pdf. Accessed 8 July 2025. Herrity, Jennifer. “Collaborative Learning: Center for Teaching Innovation.” Indeed, 26 Mar. 2025, https://www.indeed.com/career-advice/career-development/benefits-of-collaborative-learning. “Health Care Insurance Coverage for Self-Employed Individuals.” HealthCare.Gov, https://www.healthcare.gov/self-employed/. Accessed 8 July 2025. Pollick, Michael. “How Do Birds Learn How to Fly?” All Things Nature, All Things Nature, 4 June 2024, https://www.allthingsnature.org/how-do-birds-learn-how-to-fly.htm. “Independent Contractor (Self-Employed) or Employee?” Internal Revenue Service, https://www.irs.gov/businesses/small-businesses-self-employed/independent-contractor-self-employed-or-employee. Accessed 8 July 2025. Gutierrez, Karla. “Mind-Blowing Statistics Prove the Value of Employee Training - Shift E.” Shift Learning, https://www.shiftelearning.com/blog/statistics-value-of-employee-training-and-development. Accessed 8 July 2025. Ayoola, Elizabeth. “Self-Employed Retirement Plans: Know Your Options.” NerdWallet, 3 Jan. 2025, https://www.nerdwallet.com/article/investing/retirement-plans-self-employed. Colin Burton. “The 5 Most Effective Teaching Styles, and How to Adapt Your Style.” THINKFIC, 7 Oct. 2024, https://www.thinkific.com/blog/teaching-styles/. Chapman, Tom. “Top 10: Supply Chain Management Platforms.” Supply Chain Magazine, Bizclik Media Ltd, 5 June 2024, https://supplychaindigital.com/digital-supply-chain/top-10-supply-chain-management-platforms. Gellerman, Erica. “The Complete Guide to Independent Contractor Taxes.” NerdWallet, https://www.nerdwallet.com/article/small-business/independent-contractor-tax-guide. Accessed 8 July 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

How to protect your credit from medical debt and choose the right way to save for a home down payment. How does medical debt affect your credit score? What accounts can you use to save for a house down payment? Hosts Sean Pyles and Elizabeth Ayoola discuss the recent reversal of a Consumer Financial Protection Bureau rule that would have removed medical debt under $500 from credit reports and explore the consequences for consumers. Joined by senior news writer Anna Helhoski and guest Rohit Chopra, former director of the Consumer Financial Protection Bureau, they explain why the rule was proposed, what the legal ruling means for borrowers, and what consumers can do to protect themselves. They share insights on why the CFPB is vital to maintaining financial fairness and what the agency's dormancy could mean for future protections. Then, housing Nerd Kate Wood joins Sean and Elizabeth to discuss how to save for a home in today's high-cost, high-interest-rate housing market. They dig into what emergency fund you should consider having before buying a house, how to choose between high-yield savings accounts and CDs, and why the 20% down payment myth could be holding you back. The conversation also covers how much you really should save (spoiler: it's more than just your down payment), why closing costs are often misunderstood, and how first-time buyers can explore down payment assistance programs that offer real help. NerdWallet's list of the 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: medical debt and credit scores, saving for a down payment, CFPB medical debt rule, how to save for a house, down payment assistance programs, how medical debt affects credit, CFPB rule overturned, home buying costs, closing costs calculator, how much to save for a house, best high yield savings accounts, down payment myths, private mortgage insurance explained, how much to put down on a house, 20% down payment myth, CD ladder strategy, high yield CD rates, CD vs savings account, home equity from appreciation, real estate agent commission changes, home maintenance budgeting, how to avoid PMI, how to get rid of PMI, what is PMI, CFPB complaint database, checking credit reports, how to prequalify for a mortgage, how to calculate closing costs, state housing authority grants, and first-time homebuyer 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, I was lucky enough to interview Nicky Senyard, CEO and founder of Fintel Connect. Nicky shared the journey behind Fintel Connect—a digital acquisition platform that helps financial institutions across North America grow their customer base through affiliate marketing. She explained how the platform acts like the “plumbing” between banks and publishers like NerdWallet or Credit Karma, using a CPA (cost-per-acquisition) model that rewards performance and delivers real value.Nicky also opened up about her roots in Australia and how the country's rugged environment shaped her entrepreneurial resilience. Before Fintel, she built and successfully exited the world's largest affiliate platform for regulated online gambling. We talked about everything from building networks in unfamiliar markets to earning trust in a highly regulated space like financial services. Nicky emphasized the importance of curiosity, authenticity, and solving real problems—especially when selling to institutions that don't always know what they're missing. Sit back and hear Nicky's biggest takeaway from years of building businesses in this episode of The First Customer!Guest Info:Fintel Connecthttps://www.fintelconnect.comNicky Senyard's LinkedInhttps://www.linkedin.com/in/nickysenyard/Want to be a guest on The First Customer? Send Jay Aigner a message on PodMatch here.Connect with Jay on LinkedInhttps://www.linkedin.com/in/jayaigner/The First Customer Youtube Channelhttps://www.youtube.com/@thefirstcustomerpodcastThe First Customer podcast websitehttps://www.firstcustomerpodcast.comFollow The First Customer on LinkedInhttp://www.linkedin.com/company/the-first-customer-podcast/

This is a preview of one of our premium Design Better episodes. To listen to the whole episode, head over to our Substack and subscribe: https://designbetterpodcast.com/p/rhiannon-bell We all rely on search—sometimes dozens of times a day—to make sense of the world around us. But behind that simple white box is a vast, dynamic system that has to understand not just language, but intent, context, and trust. In this episode, we talk with Rhiannon Bell, VP of User Experience for Google Search, about how they navigate the complexity of designing one of the most widely used products on the planet. Rhi shares how their background in writing and storytelling shapes their approach to UX, why designing for information-seeking behavior is fundamentally different from transactional design, and how teams at Google are rethinking trust, transparency, and delight in an age of generative AI. We also dig into what it means to lead with curiosity, and how bringing a sense of play into product development can open up entirely new possibilities. Bio As the VP of UX for Google Search, Rhiannon Bell leads a team of talented Designers, Researchers and Content Strategists who are responsible for all of Google Search experiences. They have over 20 years experience in product development, working with diverse and global products such as NerdWallet, BBC, and Zynga.Rhiannon's mission is to build responsibly toward an AI-powered future, using user research, creative direction, and user-centric product development. They are passionate about pushing the boundaries of technology to solve user pain points, raising the quality bar on execution, and driving home the consumer-centric view within any product organization. They are also an active investor and advisor in the design and AI space, supporting visionaries who are shaping our world. *** Premium Episodes on Design Better This is a premium episode on Design Better. We release two premium episodes per month, along with two free episodes for everyone. Premium subscribers also get access to the documentary Design Disruptors and our growing library of books: You'll also get access to our monthly AMAs with former guests, ad-free episodes, discounts and early access to workshops, and our monthly newsletter The Brief that compiles salient insights, quotes, readings, and creative processes uncovered in the show. Upgrade to paid

This week, NerdWallet's Sara Rathner makes a second appearance on the show to talk about the changes to the Chase Sapphire Reserve card. As one of the most prominent travel cards and the market, and one that Ross happens to personally use... this was of particular interest. Sara Rathner is a NerdWallet travel and credit cards expert. She has appeared on the “Today” show and CNBC's “Nightly Business Report,” and has been quoted in The New York Times, The Washington Post, The Wall Street Journal, Yahoo Finance, Time, Reuters, NBC News, Business Insider and MarketWatch. Learn more about her work here: https://www.nerdwallet.com/author/sara-rathnerSend us a textSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram

Understand how Buy Now, Pay Later financing options affect your credit and learn smart strategies for using a six-figure inheritance wisely. How does Buy Now, Pay Later (BNPL) affect your credit score? What's the smartest way to invest or use an unexpected inheritance? Hosts Sean Pyles and Elizabeth Ayoola discuss the evolving credit implications of BNPL services and break down how to manage a money windfall responsibly. Joined by NerdWallet's Anna Helhoski and Jackie Veling, they begin with a deep dive into BNPL, including how it works, why it's becoming more prominent in credit reporting, and how it can either help or hurt your credit depending on your habits. Key takeaways include how new FICO scoring models treat BNPL loans, tips for avoiding pitfalls like loan stacking, and whether BNPL is a wise tool for building credit. Then, investing Nerd Alana Benson joins Sean and Elizabeth to help answer a listener's question about what to do with a $124,000 inheritance. They walk through thoughtful allocation strategies across emergency savings, debt payoff, investing, and even making room for some guilt-free fun. Topics include how timelines impact where you park your money, differences between IRAs and taxable brokerage accounts, when to use a robo-advisor, and how fees can quietly erode returns. Use NerdWallet's free expense ratio calculator to enter your initial investment, future contributions, time horizon and projected annual return in order to compare two expense ratios and find out how much you could lose by choosing the more expensive fund: https://www.nerdwallet.com/article/investing/mutual-fund-expense-ratios  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: BNPL credit score, FICO 10 score, how to use BNPL responsibly, BNPL and credit bureaus, new FICO credit model, inheritance investing, what to do with a windfall, best way to invest $100k, pay off student loans or invest, CD vs high-yield savings, high-yield checking account, IRA contribution limits, Roth IRA or brokerage account, how to use a robo-advisor, best robo-advisors 2025, IRA vs brokerage, investing after inheritance, compound interest calculator, how to build credit, down payment savings tips, investing timelines, financial planning after inheritance, robo advisor fees, expense ratio impact, credit building strategies, high-yield CD rates, traditional vs Roth IRA, 457 plan investing, state employee retirement options, financial windfall tax strategy, 529 college savings plan, credit score and BNPL, and BNPL late payments impact. 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

One of the fintech investing pioneers is Arjan Schütte, the founder and managing partner of Core Innovation Capital. He has been around fintech for more than two decades and has been an active investor for most of that time. I am way overdue in getting him on the show.In this conversation, we explore why 50% of Americans still live paycheck to paycheck despite fintech's growth, the dramatic transformation AI will bring to financial services (moving from advice to actionable help), and emerging opportunities in small business enablement, healthcare-finance intersections, and retirement solutions. Arjan also reflects on early investment wins like NerdWallet and Ripple, lessons learned from setbacks like Synapse, and how his recent year-long family journey around the world opened his eyes to innovative financial models like Australia's superannuation system that could revolutionize wealth creation for America's middle class.In this podcast you will learn:How Core is different from other VC firms.How fintech has improved the underbanked population in this country.Why fintech hasn't made a bigger difference for financially fragile people.Some of the business models that work for serving this population.A look at some of his successful early investments.What he missed when he decided to invest in Synapse.What is different in the fintech space today than a decade ago.How he views AI when looking at early stage companies today.The different verticals within fintech where there is most interest today.Arjan's perspective on the fintech IPO window.What he would do if he had a magic wand to help lower and middle income consumers.What he learned traveling around the world with his family for a year.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

Learn how to approach Amazon Prime day without blowing your budget and hear how you can start to understand the emotions that might be driving your spending.  What are the best ways to take advantage of big sales like Amazon Prime Day but still stay on track with your budget? How can you get a handle on emotional spending and the guilt that comes with it? Hosts Sean Pyles and Elizabeth Ayoola dive into how to approach your budget, whether it's while gearing up for a sale or just in your everyday life. Joined by Jamil Ghani, the Vice President of Amazon Prime, they begin with a discussion of what to expect during Prime Day this year, and how to get the most out of the event, including info about invite-only deals and how AI-powered tools can help you find what you need.  Then, Sean and Elizabeth are joined by listener Catherine, who has questions about getting a handle on her emotional spending tendencies. They discuss what triggers emotional spending and how to recognize patterns of behavior. Plus, they explain different budgeting methods to help bring structure to your spending while still giving you the freedom to treat yourself without feeling guilty.  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  The free NerdWallet app makes it easy to be smarter with your finances because you can track, save and invest your money in one place: https://click.nerdwallet.com/3687710914/smpc In their conversation, the Nerds discuss: Amazon Prime Day 2025, Prime Day shopping tips, best Prime Day deals, Amazon AI shopping tools, Prime Day electronics discounts, Amazon invite-only deals, emotional spending help, budgeting for couples, 50 30 20 budget rule, NerdWallet Smart Money podcast, money guilt solutions, budgeting apps free, impulse spending solutions, coping with financial stress, Amazon savings for students, Prime Day household deals, CamelCamelCamel price tracker, how to stop emotional shopping, financial planning tips, budgeting without a system, money values journaling, Amazon Prime VP interview, Amazon shopping hacks, setting a shopping budget, NerdWallet budgeting advice, Smart Money money questions, financial therapy alternatives, personal finance podcast, how to prioritize spending, budgeting for grad school. 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

Shanta has an authentic talk with Authors Pam Baker & Cameron Zabko,  about probate, wills, estate planning and the emotional and mental support needs to prepare for a loved one passing on.Pam & Cameron Authored a book titled: Where's The Keys To The Safe; HOW TO AVOID PROBATE PITFALLS and MAXIMIZE FAMILY FINANCESPam,  Before stepping into her new role, Pam spent years leading philanthropic efforts. When two of her children werediagnosed with cystic fibrosis, she and Jon rallied friends and family to help raise millions for the Cystic FibrosisFoundation. She's a natural problem solver, a relentless optimist, and someone who believes in bringing peopletogether to support one another through life's hardest moments.Cameron, As a CFP® professional with a bachelor of business administration in finance from the University of Georgia's TerryCollege of Business, Cameron has spent years helping families and business owners create estate and financialplans, manage wealth, and prepare for the unexpected. His insights have been featured in NerdWallet and industryperiodicals, and he has advised clients through complex financial situations, including business successionplanning, multigenerational wealth transfers, and high–net worth estate strategies. Before founding WesthollowWealth, he played a key role at a leading wealth management firm, where he guided over 100 clients through criticalfinancial decisions and helped facilitate the transition and sale of his uncle's firm after his passing.Contact:Facebook: pam.r.baker.5Website: lastinglegacyconsulting.comLinkedIn: czabkoApple Podcasts | Spotify | Google Podcasts | Spreaker | Castbox and more. Connect with the host:Instagram: @AuthenticTalks2.0 Email: AuthenticShanta@gmail.com Website: www.AuthenticTalks2.com Facebook: AuthenticTalks2 Become a supporter of this podcast: https://www.spreaker.com/podcast/authentic-talks-2-0-with-shanta--4116672/support.

Learn how to navigate gas prices this summer, then hear how to make your money work after retiring early and moving abroad. What's going on with gas prices this summer? How can early retirees turn their savings into income abroad? Hosts Sean Pyles and Elizabeth Ayoola discuss gas price trends and smart investment options for early retirees to help you plan a smoother ride — both on the road and in your financial journey. Joined by NerdWallet's Anna Helhoski and AAA's Aixa Diaz, they begin with a discussion of 2025 gas prices, with tips and tricks on timing your fill-ups, choosing the right fuel blend, and prepping your car for summer travel. Then, Sean and Elizabeth answer a listener's question about how to turn $150,000 in savings into ongoing passive income after achieving FIRE (Financial Independence, Retire Early) and relocating to Spain. They discuss how to balance accessibility with growth through options like CD ladders, T-bills, REITs, and dividend ETFs. They also explore considerations around managing rental properties from abroad, currency risk, and the importance of working with a CPA to avoid tax pitfalls when investing internationally. Use NerdWallet's free compound interest calculator to see how your savings and investment account balances can grow with the magic of compound interest: https://www.nerdwallet.com/calculator/compound-interest-calculator  Dividend aristocrats are stocks that raise their dividends every year. Here's an overview of how to invest in them: https://www.nerdwallet.com/article/investing/top-dividend-aristocrats-list Dividend stocks can be a great choice for investors looking for passive income and portfolio stability. View NerdWallet's list of the best high-dividend stocks and learn how to invest in them: https://www.nerdwallet.com/article/investing/how-to-invest-dividend-stocks  Here's NerdWallet's list of the best ways to send money internationally: https://www.nerdwallet.com/article/banking/best-ways-to-wire-money-internationally  In their conversation, the Nerds discuss: gas prices 2025, summer gas prices, how to save money on gas, why are gas prices rising, AAA fuel cost calculator, road trip cost calculator, gas price trends, crude oil price impact on gas, how to prepare for a road trip, car maintenance for road trips, road trip emergency kit checklist, what affects gas prices, hurricane impact on gas prices, early retirement abroad, how to generate passive income after FIRE, CD ladder strategy, high-yield savings alternatives, best short-term investments, moving to Spain finances, cost of living in Spain vs USA, living off rental income abroad, managing rental property from overseas, REIT vs dividend ETF, opening brokerage account abroad, FATCA rules for expats, real estate income planning, investing while living overseas, treasury bills vs CDs, compound interest calculator, diversifying passive income, financial planning after FIRE, and retiring in your 40s. 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 reset spending habits after emotional setbacks and protect yourself from job scams that cost real money. How do you reset your money goals after emotional setbacks? How do you avoid job scams that steal your savings? Hosts Sean Pyles and Elizabeth Ayoola discuss mindful spending and scam recovery to help you stay in control of your financial life. They begin by welcoming NerdWallet writer Amanda Barroso to share a candid check-in on her year-long “low-buy” journey. Amanda shares how grief led her to relapse into emotional spending, but also how she's refocusing her goals like budgeting for travel to Spain and saving for a future Disney trip. She offers reflections on intentional spending, how emotions influence shopping habits, and tips like using a visual calendar, reevaluating goals quarterly, and creating a "grief budget." Then, Sean and Elizabeth are joined by Eva Velasquez, CEO of the Identity Theft Resource Center, to discuss job scams. They talk through the red flags in one listener's experience and explain what to do if you've been scammed, including how to report scams, the emotional toll of being victimized, and ways to avoid phishing and imposter schemes.  The free NerdWallet app makes it easy to be smarter with your finances because you can track, save and invest your money in one place: https://click.nerdwallet.com/3687710914/smpc  In their conversation, the Nerds discuss: how to stop emotional spending, job scams, fake job postings, crypto job scams, emotional spending triggers, retail therapy, low-buy year, mindful spending, budgeting after grief, how to protect against job scams, reporting scams, crypto payroll red flags, scam recovery tips, coping with financial guilt, intentional spending strategies, budgeting for international travel, Monarch Money app, how to track spending visually, how to reset financial goals, how to bounce back after overspending, scam urgency tactics, phishing red flags, upfront payments, crypto-based wages, high-pressure tactics, imposter scam examples, avoiding crypto scams, scam victim shame, scam financial recovery, scam reporting tools, Identity Theft Resource Center, scam personal data risks, emotional triggers and money, how to budget with a partner, grief and spending behavior, long-term savings motivation, budgeting apps for couples, how to recognize fake recruiters, and scams on social media. 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

Get tips to reclaim your time from the “infinite workday,” then learn how to build retirement savings as a stay-at-home parent. How do you reclaim your time in an always-on work culture? How can stay-at-home parents keep building retirement savings? Hosts Sean Pyles and Elizabeth Ayoola discuss the rise of the “infinite workday” and answer a listener's question about how to save for retirement as a stay-at-home parent. First, NerdWallet senior news writer Anna Helhoski joins the show to share her conversation with Colette Stallbaumer, co-founder of Microsoft WorkLab and general manager for Microsoft 365 Copilot, who shares new research into the “infinite workday.” She discusses how flexible work has blurred the lines between home and the office, often creating burnout and a sense of always being “on,” and offers solutions, including boundary-setting practices, productivity tips, and how AI tools like Microsoft Copilot can help reclaim focus time. Then, Sean and Elizabeth shift gears to answer a listener's question about saving for retirement as a stay-at-home parent. They break down options like spousal IRAs, the importance of emergency funds, and how even $200 a month can grow significantly under the right circumstances. They also talk through budget frameworks and how to have productive conversations with your partner about long-term goals. 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 Use NerdWallet's free compound interest calculator to see how your savings and investment account balances can grow with the magic of compound interest: https://www.nerdwallet.com/calculator/compound-interest-calculator  In their conversation, the Nerds discuss: infinite workday, always on work culture, work from home burnout, Microsoft WorkLab study, productivity tools, morning overwhelm, triple peak day, reclaiming focus time, meetings vs deep work, Copilot AI, Microsoft 365 productivity, flexible work boundaries, setting work boundaries, delay send email, work-life balance tips, workplace AI tools, using AI at work, spousal IRA, retirement options for stay-at-home parents, compound interest calculator, emergency fund strategy, 50/30/20 budget rule, saving while unemployed, Roth IRA withdrawals, IRA contribution limits, saving for retirement after quitting a job, financial planning for couples, money conversations with your partner, taxable brokerage account, pay yourself first, retirement savings calculator, saving for retirement with side hustle, and financial independence as a stay-at-home parent. 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

At the Brown Table this week, Mandi invites two brilliant voices: Elizabeth Ayoola, host of Smart Money by NerdWallet, and Haniyah Philogene, lifestyle reporter at TheGrio. They dive into the chaotic beauty of career pivots, being Black women in media, and the emotional labor of storytelling. We talk motherhood, dating, the cost of protective styles (spoiler: $400 braids are wild), and the complex feelings around Tyler Perry’s latest Netflix hit. The convo gets real on how Black trauma is marketed—and why we need more diverse storytelling for us, by us. We also chat about: What it really means to be "financially free" in your 30s The evolving landscape of Black journalism in a post-DEI world How social media impacts our timelines—literal and emotional Why storytelling is political, and who gets to shape the narrative Plus, Elizabeth breaks down how she got into personal finance with no journalism degree—and why she wants you to start investing (even if it’s just $5). And Haniyah gives us the inside scoop on Black consumer power, boycotts, and making sense of it all in your group chat. New here?Join us three times a week: