Estate Planning Made Simple and How to Handle Family Loans

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 [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

Learn how to build a simple estate plan and lend or repay family money without hurting your relationships. What’s the first thing to do when creating an estate plan? What’s the smartest way to handle loans between friends or family? Hosts Sean Pyles and Elizabeth Ayoola break down estate-planning basics like wills, revocable trusts, living wills/advance healthcare directives, and durable powers of attorney — tools that can ensure your wishes are carried out and help your loved ones avoid probate. They also share when to update your documents, how beneficiary designations can override your will, and three simple to-dos to get started without feeling overwhelmed. Then, mortgage and student loans writer Kate Wood joins Sean and Elizabeth to answer a listener’s question about paying a loan back to her parents. They explore how family loans and lending circles work, why it’s important to put agreements in writing (and when notarizing helps), and the impact informal loans can have on your credit. They also weigh different ways to set money aside, comparing high-yield savings accounts with taxable brokerage accounts invested in ETFs and considering timelines, growth potential, and tax trade-offs. 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: estate planning, will vs trust, revocable trust, living will, durable power of attorney, healthcare proxy, advance healthcare directive, probate explained, beneficiary designation vs will, update beneficiaries after marriage, how often to update a will, intestate meaning, avoid probate, family loan agreement, lend money to family safely, informal lending, lending circle, saving circle, notarized loan contract, pros and cons of family loans, protect relationships when lending money, credit score and informal loans, high-yield savings accounts, taxable brokerage accounts, ETF basics for beginners, repaying parents for college, fiduciary roles in estate planning, power dynamics of lending to friends, writing a repayment schedule, when to use a trust for minors, and retitling assets into a trust. 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

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 [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

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 [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

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 [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

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 [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

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 [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

Learn how to cut prescription costs and prepare for steep health insurance hikes if ACA tax credits expire. How can you make prescription drugs more affordable? What can you do if subsidies in the Affordable Care Act expire and health insurance costs spike? Hosts Sean Pyles and Elizabeth Ayoola discuss rising prescription costs and looming changes to health insurance premiums to help you find ways to save and protect your budget. Joined by Dan Weissmann, host of the podcast An Arm and a Leg, they begin with a discussion of the structural problems in the U.S. prescription drug system, with tips on comparing prices across pharmacies, using discount programs like GoodRx, and checking for manufacturer coupons. Then, personal finance Nerd Kate Ashford joins Sean and Elizabeth to discuss how ACA premium tax credit changes could impact your wallet. They explore strategies such as comparing marketplace plans carefully, shifting to different tiers of coverage, considering employer-based insurance, and preparing for open enrollment. They also highlight the risks of going uninsured, ways to use preventive care benefits to save money, and why America’s healthcare system ended up so tied to employment. 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: prescription drug costs, how to save on prescriptions, GoodRx, Mark Cuban Cost Plus Drugs, pharmacy benefit managers, drug manufacturer coupons, ACA subsidies, ACA premium tax credits, Affordable Care Act healthcare costs, ACA marketplace plans, health insurance open enrollment, formulary, health insurance tiers, high deductible health plan, bronze vs silver plan ACA, health savings account, ACA premium increases, ACA subsidies expiring, ACA tax credits 2025, how to compare health insurance plans, employer sponsored health insurance, self-employed health insurance options, preventive care coverage, avoiding medical debt, risks of going uninsured, Vermont ACA costs, ACA premium increase by state, ACA cost saving strategies, how to check if prescriptions are covered, negotiating prescription costs, medical bankruptcy risk, Medicare and Medicaid differences, US vs UK healthcare costs, ACA income thresholds, ACA marketplace eligibility, losing ACA subsidies impact, choosing an ACA plan, and ACA open enrollment dates. 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

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 💰 Home sale decision-making – When selling your house to pay off debt could make sense 📊 Equity vs. cash flow – Weighing long-term property growth against short-term relief 🏠 Rental income trade-offs – How to model your budget with or without tenant payments 📅 Timing the sale – Why the tax year matters if you’re selling a home and cashing out retirement funds ⚖️ Debt payoff strategies – How debt management plans compare to bankruptcy 🧠 Emotional factors – Balancing financial logic with peace of mind and lifestyle goals 🔄 Financial reset planning – Steps to prepare for your next home purchase after paying off debt 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

Understand how to assess when financial advisor fees are worth it and how to rethink personal finance rules that don’t serve you. What are the different financial advisor fees, and how can you decide if they’re worth it? Do you need to follow traditional budgeting and debt payoff rules to be financially successful? Hosts Sean Pyles and Elizabeth Ayoola answer a listener’s question about how to navigate financial advisor fees. But first, personal finance Nerd Kim Palmer joins the show to share her conversation with Dana Miranda, author of You Don’t Need a Budget, about why certain traditional budgeting frameworks may not be the right fit for everyone. Dana offers tips on experimenting with spending plans, prioritizing comfort over rigid rules, and how to reframe emergency funds as tools for opportunity, not just crisis. Then, Sean and Elizabeth welcome James Bashall, financial advisor at NerdWallet Wealth Partners, to answer a listener’s question about financial advisor fees, from AUM-based and fixed-fee models to fiduciary vs. suitability standards. They explain what high and low fees look like, what credentials to look for in an advisor, and when paying a premium might actually bring peace of mind (or not). Take the Smart Money Podcast Listener Survey 2025 and enter to win a prize! https://nerdwallet.com/podsurvey  NerdWallet Wealth Partners is a fiduciary online financial advisor, offering low-cost, comprehensive financial advice and investment management: https://nerdwalletwealthpartners.com/  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: financial advisor fees, when are financial advisor fees worth it, fiduciary vs suitability standard, how much does a financial advisor cost, AUM fee structure, fee-based vs fee-only advisors, how to hire a financial advisor, certified financial planner vs financial advisor, financial advisor credentials CFP, what is a fiduciary, what is AUM, robo advisor vs human advisor, average financial advisor fee, high financial advisor fees, passive vs active investing, index funds vs mutual funds, how to choose a financial advisor, budgeting rules that don’t work, 50/30/20 budget rule, Dana Miranda budget book, alternative to emergency fund, comfort fund vs emergency fund, financial triage, how to compare financial advisors, intuitive spending, what is intuitive spending, understanding investment fees, best financial advisor structure, how to spot hidden advisor fees, shopping for a financial advisor, emotional benefits of financial planning, and pros and cons of robo advisors. 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