NerdWallet's Smart Money Podcast

Learn what new Fed data says about Americans' finances and whether a perfect 850 credit score is worth chasing.

What does the latest Federal Reserve data actually reveal about how Americans are holding up financially — and why do feelings and facts so often diverge? Sean Pyles, CFP®, and Elizabeth Ayoola are joined by senior news writer Anna Helhoski and NerdWallet economist Elizabeth Renter to dig into a new Fed analysis of U.S. household financial wellbeing. They discuss why wellbeing has declined for young adults, low-income families, and Black adults even as headline economic data stays relatively stable, what a shifting labor market means for workers' confidence, and what NerdWallet's new Financial Resilience Index could reveal about the gap between feeling in control of your money and actually being prepared for a financial shock.

What does a perfect 850 credit score actually get you — and is it even worth chasing? Sean and Elizabeth are joined by NerdWallet personal finance writer Amanda Barroso to answer a question about reaching the credit score mountaintop. They discuss where the real "good enough" threshold sits, how to build a healthier relationship with your score, and what habits could help you reach — and maintain — a score that actually works in your favor.

Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header

To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].

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Meet Your Next Dollar, a new podcast from NerdWallet Wealth Partners. This is the podcast for you if you are a high earner learning how to build wealth, navigate money trade-offs, and spend on what you actually value.

Follow Your Next Dollar on your favorite podcast app: https://play.megaphone.fm/jl7ehvemqcmp-1_fkrov6a

Interested in working with a financial advisor? Visit nerdwalletwealthpartners.com

NerdWallet Wealth Partners LLC (NWWP) is a SEC registered investment adviser. Registration does not imply a certain level of skill or training, nor does it constitute an endorsement by any securities regulator. The content presented by NWWP on its Your Next Dollar podcast is for informational and educational purposes only and is not intended as personalized investment, tax, or legal advice to any person. The views, strategies, examples, and figures discussed are intended to be general in nature, subject to change at any time based upon market or other conditions and may not be suitable for every individual. Any hypothetical illustrations used are for educational purposes only and do not represent a guarantee or prediction of future results. All investments carry risk, including the potential loss of principal, and past performance is not a guarantee of future results. NWWP's investment advisory services are only offered where NWWP and its representatives are registered. Before making any financial decision, seek advice from a qualified investment, tax, or legal professional.
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Learn how to tackle $25,000 in credit card debt and which payoff strategy could work best for your situation.

How do you get out of $25,000 in credit card debt when minimum payments aren't making a dent? In this episode, hosts Sean Pyles, CFP®, and Elizabeth Ayoola sit down with listener Jessica, a Bay Area mom carrying three maxed-out credit cards with interest rates ranging from 11% to 24%. They walk through her real budget, including nearly $2,000 in rent, close to $1,200 in monthly transportation costs, and significant childcare expenses, to understand why her spending outpaces her income. They also explore what options could realistically help her make progress, from nonprofit credit counseling and debt management plans to whether a free bankruptcy consultation might be worth her time before committing to any path.

Read through NerdWallet's guide to the best strategies for whittling down what you owe, depending on how much debt you have: https://www.nerdwallet.com/personal-loans/learn/pay-off-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

To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].

Like what you hear? Please leave us a review and tell a friend.
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Learn how the E-shaped economy is reshaping middle-class budgets and how to stretch travel points on real trips.

What does it really mean when economists say the U.S. economy has shifted from a K-shape to an E-shape, and where do middle-class households fit in this new picture? Hosts Sean Pyles and Elizabeth Ayoola talk with senior news writer Anna Helhoski about why middle-class earners are increasingly slipping from the top of the K to the middle of the E, what new data reveals about families struggling to afford basic necessities in their own metro areas, and how spending patterns are shifting as essential costs eat up more of each paycheck.

Then, how can you actually make travel points work for a real trip without burning them on the wrong redemption? Sean and Elizabeth are joined by Meghan Coyle, co-host of NerdWallet's Smart Travel podcast, to walk through the smartest ways to use airline miles and hotel points. They discuss how to calculate whether points or cash is the better deal for any booking, why hotel points and airline miles aren't created equal, what happens when you transfer points speculatively, and creative ways to keep earning points without picking up another credit card.

Card benefits, terms and fees can change. For the most up-to-date information about cards mentioned in this episode, read our reviews:


Best Travel Credit Cards of May 2026 https://www.nerdwallet.com/credit-cards/best/travel 


Atmos Rewards Summit Card: Perks as Unique as They Are Valuable https://www.nerdwallet.com/credit-cards/reviews/atmos-rewards-summit 


Atmos Rewards Ascent Review: Well Worth $95 a Year https://www.nerdwallet.com/credit-cards/reviews/alaska-airlines-credit-card 


American Express Platinum Review: Top-Notch Lounge Access, Big Credits https://www.nerdwallet.com/credit-cards/reviews/american-express-platinum 


Is a Bilt Credit Card Worth It? https://www.nerdwallet.com/travel/learn/bilt-mastercard

Resources discussed in this episode:


'K-Shaped' Economy Is Giving Way to an 'E-Shaped' Divide https://www.nerdwallet.com/finance/news/e-shaped-economy 


How Much Are Travel Points and Miles Worth in 2026? https://www.nerdwallet.com/travel/learn/airline-miles-and-hotel-points-valuations 


Points and Miles vs. Cash Calculator https://www.nerdwallet.com/travel/learn/calculator-should-you-book-a-flight-with-cash-or-miles 


The Best Award Travel Search Tool for 2026 https://www.nerdwallet.com/travel/learn/best-award-travel-search-tool 

Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header

To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].

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Hear money lessons from NerdWallet moms and learn how to budget for healthcare on a high-deductible plan.

What does motherhood teach you about money? In honor of Mother's Day, hosts Sean Pyles, CFP®, and Elizabeth Ayoola gather money lessons from NerdWallet moms — including Erin El Issa, Amanda Barroso, Kate Ashford, and Pamela de la Fuente — as well as from Sean's mom, Jeanne. They explore the pressure to keep up with influencers and other parents, the costly belief that core childhood memories can be bought, the role allowances play in helping kids feel the weight of their own money, and what becoming a parent reveals about long-term saving.

How do you budget for healthcare when your employer switches you to a high-deductible plan and bills are coming in faster than you can build up your HSA? Sean and Elizabeth are joined by personal finance writer Kate Ashford to answer a question from a listener whose routine doctor visit ballooned from a $30 quote to nearly $500 out of pocket. They dig into the triple tax advantages of HSAs, the math behind comparing high-deductible and traditional coverage, why the first year on an HDHP can feel especially brutal, and what to do when medical expenses outpace your savings.

Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header

To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].

Like what you hear? Please leave us a review and tell a friend.
Learn more about your ad choices. Visit megaphone.fm/adchoices