We're no longer publishing new episodes of this podcast, but check out our podcast Consider This, where we help you make sense of a major news story and what it means to you six days a week.
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NerdWallet's Smart Money 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…
Episode XIII: Too Little, Too Late? Can The Gods Hold On?
Manage episode 224442595 series 2408534
内容由Maximum Senior Benefits提供。所有播客内容(包括剧集、图形和播客描述)均由 Maximum Senior Benefits 或其播客平台合作伙伴直接上传和提供。如果您认为有人在未经您许可的情况下使用您的受版权保护的作品,您可以按照此处概述的流程进行操作https://zh.player.fm/legal。
MSB Cup is almost at an end. Who will win????
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23集单集
Manage episode 224442595 series 2408534
内容由Maximum Senior Benefits提供。所有播客内容(包括剧集、图形和播客描述)均由 Maximum Senior Benefits 或其播客平台合作伙伴直接上传和提供。如果您认为有人在未经您许可的情况下使用您的受版权保护的作品,您可以按照此处概述的流程进行操作https://zh.player.fm/legal。
MSB Cup is almost at an end. Who will win????
…
continue reading
23集单集
All episodes
×World Series Incentive wraps up as well as the first drawing for the Thanks-Give-A-Way is complete.
Bimsbo is over but World Series begins!
Recap of Bimsbo week 3 and preview of week 4. Also, why am I happy about less than 5k?
Week 2 Bimsbo recap and Kyle gives us some inspiration!
Week 1 recap and how you can get 2 free squares....
September Team Incentive, Foresters gives a boost, and a whole lot of Financial Strength.
Happy Father's Day to all you MSB Fathers out there!
Just some quick updates from the Grandmaster himself....
Who won the cup? Who is the MVP? Find out!!!
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Maximum Senior Benefits

MSB Cup is almost at an end. Who will win????
Only 1 week of competition left before a winner is crowned. Who will it be????
Msb Cup Recap and warm Holiday Wishes!
MSB Cup Recap and interview with Andy F.
Recap of the MSB cup so far and a few tips from the Grandmaster himself.
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Maximum Senior Benefits

Msb cup update and interview with Kortni F.
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