Best Usage Rate Podcasts (2025)

When you’re facing any large purchase, there are two major questions you must answer: How do I lower the cost? What’s the best way to pay for it? While you’ve heard about student loans, 529 plans, and, potentially, other options to help you finance college costs, the best way for YOU to pay for college for your student is likely a unique combinatio…

1
Estate Planning Made Simple and How to Handle Family Loans 32:09

Play Pause

2d ago32:09

32:09

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/ad…

1
Why Refis Are Spiking and How to Optimize Your 401k Target-Date Fund for Long-Term Growth 28:02

7d ago28:02

28:02

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 unde…

1
Post Blitz #2 43:25

7d ago43:25

43:25

Blitz is done. SuperCoach STILL isn't open; but we are pretending that it is and blowing out the cobwebs.. Join us as we comprehensively cover players that caught our eye at the Blitz, review our predictions and answer yoUR questions!

1
Post Blitz #1 52:49

8d ago52:49

52:49

Blitz is done. SuperCoach isn't open; but we are pretending that it is and blowing out the cobwebs.. Join us as we comprehensively cover players that caught our eye at the Blitz, review our predictions and answer yoUR questions!

1
Smart Buying Tips from Your Mama’s Kitchen and How to Change Banks Wisely 36:39

10d ago36:39

36:39

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 …

1
Unlocking Financial Success for College Students with Budgeting and Credit Usage Education | Ep 14 23:43

12d ago23:43

23:43

Understanding how your credit score works and actively working to improve it can open up doors to better financial opportunities. One of the biggest mistakes college students make when it comes to credit is overspending and not keeping track of their expenses. My guest today, Brittany Greene, focuses on providing financial education and resources t…

1
How to Talk Finances Before Cohabitating, and Why Coffee and Tea Prices Are Surging 32:19

14d ago32:19

32:19

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 …

1
Bank Account Denied? Overcome Verification Hurdles and Maximize Sign-Up Bonuses 26:32

17d ago26:32

26:32

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, …

1
Budget Rehab: Can a Family Rebuild Their Emergency Fund and Still Afford the Life They Want? 34:26

21d ago34:26

34:26

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 m…

1
How to Pay Less for Your Prescriptions and Brace for a Health Insurance Shake-Up 30:30

24d ago30:30

30:30

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 …

1
Pre-Pre Season 45:16

23d ago45:16

45:16

Are you ready for the Pre-Season?? A game opening is incoming (we think) and we wanted to discuss some players to keep an eye on during the Pre-season. Plusss, give you our thoughts on some of the players UR keen on! Let's get this show on the road! Thanks to all our sponsors for this season! Jibba's Hot Sauce: Jibbas Hot Sauce Whitehawk Apparel: W…

1
The Impact of Trump’s “Beautiful Bill” on Your Ability to Borrow for College | Ep 13 24:40

27d ago24:40

24:40

It used to be that parents and students had the opportunity to finance higher education with almost no limit to the amount they could borrow. The H.R.1 - One Big Beautiful Bill Act, changes that. It imposes new limits to parent financing and student loans. In particular, capped borrowing for graduate students at $50,000 per year for professional st…

1
What Happens When You Trade Your Home for a Debt-Free Start? 32:08

28d ago32:08

32:08

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…

1
Stop Living by One-Size-Fits-All Budgets — and Paying for One-Size-Fits-All Financial Advice 37:23

1M ago37:23

37:23

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 Ay…

1
Here’s What Tariffs Could Cost You (Plus: Downgrade or Ditch Your Premium Card?) 32:02

1M ago32:02

32:02

Understand how new tariffs may hit your wallet and whether premium credit card fees are still worth it. What do new U.S. tariffs mean for prices on everyday goods and cars? What should you consider when choosing a premium travel credit card? Hosts Sean Pyles and Elizabeth Ayoola discuss the latest economic indicators and the changing landscape of c…

1
More Money, More Priorities: Don’t Let a Bigger Paycheck Go to Waste 35:19

1M ago35:19

35:19

New job, more income — now what? Hear how one listener is managing his Roth IRA, health savings account, high-yield savings, and more. Is it smart to use a Roth IRA like a savings account? How should you prioritize your money across savings, debt, and retirement after getting a higher-paying job? Hosts Sean Pyles and Elizabeth Ayoola answer a liste…

1
Does Medical Debt Impact Your Credit Score? And How Much Do You Really Need To Save for a Home 36:27

1M ago36:27

36:27

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 me…

1
The Right Way to Dodge Scams, Plus Learn How Robo-Investing Works 29:56

2M ago29:56

29:56

Learn how to dodge scams to protect your money, then understand how to compare robo vs. traditional investment risks. What should you do if your credit card is compromised in a scam? Are robo-advisors riskier than traditional brokerage accounts? Hosts Sean Pyles and Elizabeth Ayoola discuss how to spot and respond to identity theft and dig into how…

1
Navigating MIPS: Strategies for Success 9:44

2M ago9:44

9:44

Discover how clinicians streamline MIPS reporting, avoid 9% penalties, and improve patient care with eClinicalWorks support, dashboards, and tips for 2025 Medicare compliance.By eClinicalWorks

1
Maximizing Student Loan Forgiveness, Minimizing Payments, and Tax-Advantaged Strategies | Travis Hornsby | Ep 12 30:17

2M ago30:17

30:17

Student loan debt is a topic that affects millions of people across the country. It's a financial burden that many individuals face as they pursue higher education, and the impact can be long-lasting. Whether you're a recent graduate or have been out of school for years, understanding student loan debt is crucial to managing your finances effective…

1
Housing Market in Flux: Should You Buy Now Before Prices Shift? (Plus: How Teens Can Build Credit) 36:18

2M ago36:18

36:18

Find out where the housing market's headed and how to help your teen build smart credit habits early. Is now a smart time to buy a home or should you wait for mortgage rates to drop? What’s the best way to help your teenager build credit before college? Hosts Sean Pyles and Elizabeth Ayoola explore these questions to help you make confident financi…

1
Savings Bonds Explained: When to Buy, When to Cash In, and If They’re Still Worth It 32:43

2M ago32:43

32:43

Budget better for group trips and explore if savings bonds still deserve a spot in your long-term investment plan. How do you plan a trip with friends without blowing your budget — or your relationships? Are savings bonds a smart way to invest in your kids’ future? Hosts Sean Pyles and Elizabeth Ayoola discuss the emotional and financial dynamics o…

1
GameDay Squad 17:00

2M ago17:00

17:00

In this launch episode of our new partnership with GameDay Squad, Hughesy, chats with Tommy from GameDay Squad to break down everything you need to know about the platform that's shaking up NBL fantasy. What is Gameday Squad, and how does it stack up against SuperCoach? How do you build your squad, and who are the must-haves and sleepers? Where can…

1
SALT Cap Raised, Clean Energy Credits Ending: Adapt Your Finances to the “Big, Beautiful Bill” 30:10

2M ago30:10

30:10

Learn what the One Big Beautiful Bill Act means for your taxes, benefits, and financial planning. Then, understand how to adapt to living on disability insurance. What tax changes are coming from the federal budget bill? Can you save money while living on disability? Hosts Sean Pyles and Elizabeth Ayoola unpack the latest legislative changes to hel…

1
Smart Planning Sessions: Go “Work Optional” and Move Retirement Funds Penalty-Free (Plus: Your Midyear Money Check-In) 38:13

2M ago38:13

38:13

In this month’s Smart Planning segment, a financial advisor discusses how to transfer retirement funds penalty-free and how to adopt a “work optional” mindset. How can you check in on your financial progress halfway through the year? What steps do you need to follow to move your Roth IRA from a robo-advisor to a self-directed platform without payin…

1
Buy Now, Pay Later Comes at a Price: Credit Score Risks You Need to Know (Plus: $124k Windfall Tips) 32:53

2M ago32:53

32:53

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 o…

1
Student-Centered College Selection: What Makes A Good School? | Ep 11 26:31

2M ago26:31

26:31

Choosing a college where your student will thrive is about much more than the school’s name, ranking, prestige, or reputation. Research from Purdue University and Gallup highlights that aspects like caring professors, supportive learning environments, and experiential learning opportunities hold more weight in determining a student's college experi…

1
Amazon Prime Day Hacks and Budgeting Tips for Emotional Shoppers 31:13

2M ago31:13

31:13

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 wi…

1
Summer League 34:56

2M ago34:56

34:56

This time of year means Darey is in his prime. Tune in to hear his take on all the Aussies and New Zealanders taking part in Summer League. We also discuss the Under 19 World Cup and upcoming Asia Cup warm up game. Things are heating up like a beautiful bottle of Jibba's Hot Sauce!

1
How to Retire Early and Live Abroad: Your Guide to Making FIRE Last (Plus: 2025 Gas Prices Explained) 35:56

2M ago35:56

35:56

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 …

1
Overcome Emotional Spending and Spot Job Scams That Could Cost You Thousands 36:36

2M ago36:36

36:36

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 fin…

1
Secure Today’s Tuition Rates with a Private 529 Plan | Jonathan Sparling | Ep 10 30:34

3M ago30:34

30:34

Planning for your child's college education can be a daunting task, but utilizing a 529 plan can make it a little easier. These tax-advantaged savings plans are specifically designed to help families save for future education expenses. One option within the 529 plan umbrella is the College Well Private College 529 Plan, which offers its own set of …

1
Escape the Infinite Workday Trap (Plus: How to Grow $200/Month Into $300K) 34:30

3M ago34:30

34:30

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 listen…

1
NBL Off-Season Special 40:12

3M ago40:12

40:12

Missing NBL? Same. The schedule is out and summer league is upon us. Meaning... It's time time dust off the speakers and tune in to your favourite NBL SuperCoach podcast. Darey is charged up, Hughesy is rested, no Baz for now, but rest assured he will be back. Enjoy the show! Don't forget UR20 for 20% off at Jibba's Hot Sauce! Legendary!…

1
Your Housing Questions Answered: Down Payments, Mortgage Recasting, and Buying in Tough Markets 34:08

3M ago34:08

34:08

Explore strategies to strengthen your finances and get smart answers to common home buying and mortgage questions. When you're looking to buy your next home, should you pay off your current mortgage or save more for a down payment? How does mortgage recasting work? Hosts Sean Pyles and Elizabeth Ayoola answer several questions from listeners about …

1
Are You Saving Enough in 2025? What the Data Says About Falling Short (Plus: Where to Keep Conservatorship Funds) 25:18

3M ago25:18

25:18

Learn whether you’re saving enough money in 2025. Then, learn where to keep conservatorship funds to safely earn interest. What is the average American saving in 2025? Where can you keep conservatorship funds to earn interest? Hosts Sean Pyles and Elizabeth Ayoola tackle a listener’s question about how to grow savings when managing a conservatorshi…

1
Smart Planning Sessions: Digging Out of $36K in Debt — Without Derailing Retirement 35:32

3M ago35:32

35:32

In this month’s Smart Planning segment, a financial advisor discusses how to build a smarter debt payoff plan without sacrificing long-term financial goals. What’s the smartest way to make progress on credit card debt when budgeting alone isn’t cutting it? When can debt consolidation tools actually make your situation worse? Hosts Sean Pyles and El…

1
College Financial Aid: How It Really Works | Ep 9 28:09

3M ago28:09

28:09

How do factors like major, gender, and ethnicity influence whether your child receives financial aid? Understanding the typical college business model is crucial. The college financial aid formula is a multifaceted and strategic system that determines how aid is distributed to students. It comprises loans, scholarships, and other forms of gift aid.…

1
Will AI Take Your Job — or Just Your Time? Plus, Rebuilding Credit After Debt Consolidation 31:58

3M ago31:58

31:58

Learn how to use AI to boost your career and finances — plus, what to do when debt consolidation tanks your credit score. How can you use AI to stay competitive in your career and manage your money better? What should you do when debt consolidation tanks your credit score? Hosts Sean Pyles and Elizabeth Ayoola discuss the rapid rise of generative A…

1
How to Negotiate a Raise in a Tough Economy (w/ Brown Ambition’s Mandi Money) 37:42

3M ago37:42

37:42

Learn how to negotiate higher pay and choose between Roth vs. traditional retirement accounts with confidence. How can you negotiate for a raise in an uncertain economy? Should you invest in a Roth or traditional retirement account? Hosts Sean Pyles and Elizabeth Ayoola discuss career strategies and retirement planning to help you maximize your ear…

1
eCW Podcast: BH Module Enhances Mental Health Services 13:19

3M ago13:19

13:19

Discover how Mental Health Cooperative (MHC) in Nashville transformed their behavioral health care delivery with the eClinicalWorks 24-hour care module. In this episode, we welcome Megan Isham, Senior Clinical Systems Manager at MHC, who shares their transformative journey and the impact of this tool on their operations. With the growing recognitio…

1
Economic Chaos and Car Costs: How to Weigh Risks in Uncertain Times 33:38

3M ago33:38

33:38

Learn how to keep calm and carry on with smart money moves and car buying plans amid tariffs, market swings, and rising prices. Should you buy a car now or wait — even if prices are expected to rise? How can you navigate the financial noise of today’s economy without losing your cool? Hosts Sean Pyles and Elizabeth Ayoola discuss coping with econom…

1
Recover from Vacation Overspending and Avoid Costly Rental Property Management Mistakes 38:21

3M ago38:21

38:21

Reset your vacation budget and learn about the real work it takes to manage a rental property as a new or aspiring landlord. How can you get back on budget after overspending on vacation? What should you know before turning a home into a rental property? Hosts Sean Pyles and Elizabeth Ayoola discuss navigating the financial aftermath of travel and …

1
What to Do When the U.S. Gets Downgraded and Your Travel Credit Card Stops Paying Off 28:07

4M ago28:07

28:07

Learn what a U.S. credit downgrade means for your portfolio, plus find out when it might be time to cancel your travel credit card. What does the U.S. credit rating downgrade mean for your investments? Should you cancel your travel credit card if the perks no longer justify the fee? Hosts Sean Pyles and Elizabeth Ayoola discuss the U.S. government’…

1
Should You Keep Your Old Home? The Financial Case for Selling vs. Renting 23:14

4M ago23:14

23:14

Planning a big move? Learn how to decide whether you should sell or rent your home and fund your next down payment. Should you sell or rent out your home when you move? What’s the best way to fund a down payment from multiple accounts? Host Sean Pyles talks to NerdWallet writer Lisa Green about the big financial decisions that come with relocating …

1
Empowering Teens Through Financial Literacy | Ep 8 29:30

4M ago29:30

29:30

Financial education in youth sets the stage for a lifetime of financial responsibility. Teaching teens to save for emergencies is vital for unexpected costs. Unfortunately, most teens don’t want to listen to their parents...that’s where a financial coach who specializes in budgeting for teens and young adults comes in. Colleen Salchow of Salchow Co…

1
How to Prepare for Stagflation and Make Your Insurance Work Harder 33:58

4M ago33:58

33:58

Learn what stagflation could mean for your finances and how to tell if you need life insurance. Do you still need life insurance if you’ve built enough wealth? What does stagflation mean for your financial plan? Hosts Elizabeth Ayoola and Sean Pyles discuss how to determine whether your life insurance coverage still fits your needs and what to watc…

1
Smart Planning Sessions: Investing Through Uncertainty and Planning for Early Retirement Abroad 46:30

4M ago46:30

46:30

In this month’s Smart Planning segment, a financial advisor discusses when it might make sense to scale back your 401(k) contributions. Is it safe to invest right now? Should you keep contributing to your retirement account when the economy feels uncertain? Hosts Sean Pyles and Elizabeth Ayoola discuss how to navigate turbulent financial times by f…