Smart Money Podcast: Nerdy Travel Diaries: Getaway to Costa Rica | Lifestyles

Welcome to NerdWallet’s Smart Money podcast, the place we resolution your real-world cash questions.

This episode, Sean talks with NerdWallet go back and forth editor Kevin Berry about his fresh travel to Costa Rica.

Check out this episode on any of those platforms:

Our take

If you traveled within the pre-COVID occasions or used a go back and forth bank card of a few type, there’s a good probability you’re sitting on some facets and miles that experience collected over the past two years. When you’re in a position to go back and forth once more, don’t instantly pay money for the ones journeys. Take inventory of what facets and miles you could have mendacity round that would possibly considerably restrict the amount of money you need to pay.

As Nerds, we take care of this, too. One of our go back and forth editors, Kevin Berry, lately got down to e-book a large fifteenth wedding ceremony anniversary travel. Rather than doling out hundreds of greenbacks for flights and accommodations, he used up a trove of Marriott Bonvoy facets that were build up over time.

Through a mix of a welcome bonus, industry go back and forth, strategically paying money for more economical journeys and cunning use of a fifth-night-free receive advantages, Kevin was once ready to show his 370,000 Bonvoy facets right into a five-night keep at an all-inclusive hotel in gorgeous Costa Rica for him and his spouse. You can do the similar.

Our guidelines

  • Understand your lodge’s unfastened evening coverage: Several main manufacturers will provide you with a unfastened evening when reserving on facets.
  • Use facets for stuff you wouldn’t pay for in a different way: Many points-and-miles vacationers like to gloat in regards to the “cents-per-point” charge they exchanged for. Don’t get too stuck up in that recreation. Rather, focal point on the usage of your facets for issues you wouldn’t in a different way pay money for.
  • Consider positioning flights: Depending on your own home airport, it could possibly occasionally make sense — logistically and financially — to e-book a separate flight to some other town after which e-book your direct flight on your ultimate vacation spot.

Note that we point out a couple of bank cards which are NerdWallet companions, however that doesn’t impact the best way that we speak about them.

Have a cash query? Text or name us at 901-730-6373. Or you’ll e mail us at To listen earlier episodes, move to the podcast homepage.

Episode transcript:

Sean Pyles: Welcome to the NerdWallet Smart Money Podcast, the place we normally resolution your individual finance questions and assist you to really feel somewhat smarter about what you do along with your cash. I’m Sean Pyles.

In this episode, we’re proceeding our Travel Diaries sequence, the place we’ll listen from our go back and forth Nerds in regards to the journeys they’ve taken and the cash they’ve stored alongside the best way.

This time round, we’re speaking with one among our go back and forth editors, Kevin Berry. Kevin goes to proportion the main points of a sumptuous global travel he booked for a marriage anniversary the usage of facets and miles. He’ll additionally give some guidelines for a way you’ll do the similar. Welcome to Smart Money, Kevin.

Kevin Berry: Thanks for having me. Excited to be right here.

Sean Pyles: It’s nice to have you ever on. And one fast notice sooner than we get into this dialog: We are going to speak about a couple of bank cards which are NerdWallet companions, however that doesn’t impact the best way that we speak about them.

So you had, as I discussed, a sumptuous global travel. Give us the main points of it.

Kevin Berry: Yeah. My spouse and I had our fifteenth wedding ceremony anniversary bobbing up, and we have been simply sitting on a pile of facets — accommodations, airways, go back and forth facets — that had collected all over the pandemic, as a result of we simply hadn’t traveled, clearly, all over the COVID occasions.

So with a large milestone anniversary and a number of facets, it gave the look of a lovely just right alternative to take a look at and e-book one thing extravagant. And we had traveled lovely widely regionally and been to the seashores of Mexico so much. But we would have liked to take a look at one thing new for the anniversary, and we had a number of Marriott facets.

So we set out to determine find out how to burn all of the ones on a pleasing massive travel that possibly we wouldn’t typically pay for. And so we began taking a look at all-inclusive hotels.

Sean Pyles: Interesting. So it sort of feels such as you had those facets and also you let that dictate the place you have been going to spend them — the positioning of your massive travel post-COVID, or semi-post-COVID, as we’re.

Kevin Berry: Yeah. I imply, for sure as a result of facets, in most cases, they don’t seem to be an funding. They devalue over the years, and so they expire. Hotels will exchange the quantity of facets it takes to e-book a lodge, making them much less treasured.

So we need to spend the facets that we had with the emblem that we had, and Marriott was once the most important one.

Sean Pyles: Yeah, positive. And I feel a large number of other people who have been in a lovely identical state of affairs and nonetheless are, with a large number of facets constructed up over the pandemic, and so they haven’t been ready to make use of them.

So are you able to stroll me via your idea procedure on the way you ended up selecting that individual location? And what components have been the most important drivers for you?

Kevin Berry: Yeah, positive. As is go back and forth within the COVID technology — that was once at all times the primary impediment, proper? Where are you able to get in? Not all nations are letting other people in. What’s your tolerance with regards to vaccination charges, and the place do you’re feeling comfy going? You’ve were given to have a COVID check to get again into the U.S., so how prevalent are the ones within the nation you’re taking a look at? So that was once a part of it.

As I discussed, we knew we would have liked to visit a Marriott, and we knew we would have liked to visit an all-inclusive. That lovely temporarily narrows you right down to about 20, 25 hotels.

And I feel the large factor that we have been in reality on the lookout for is: We sought after a spot that — since we have been the usage of our facets — we would have liked a spot that we might by no means pay for with precise cash. Like to have an enjoy that we wouldn’t shell out the money for, however since we’re the usage of those facets, it’s one thing that you simply wouldn’t get to enjoy in a different way.

Sean Pyles: Yeah, it appears like unfastened cash in many ways. And so you’ll spend it in possibly a extra sumptuous model than you could your personal bucks.

Kevin Berry: Right. There’s no literal approach for me to show all the ones Marriott facets into money in my fingers. I would possibly as neatly use them to stick at a hotel I wouldn’t in a different way pay for.

Sean Pyles: Cool. So the place did you land?

Kevin Berry: We ended up at a Weston all-inclusive in Costa Rica, which was once a brand new nation for us.

Sean Pyles: And we will have to explain that Westons are Marriott houses.

Kevin Berry: Right. So it checked all of the containers: nice climate, simple to get to, Marriott, all-inclusive and the COVID logistics have been lovely manageable.

Sean Pyles: And Costa Rica is lovely. So it’s a great spot to talk over with. It’s if truth be told the remaining spot that I traveled to the world over, August 2019. And I’m satisfied I used to be ready to if truth be told take that travel, as it’s been a very long time since I traveled the world over.

Kevin Berry: Yeah. It’s onerous to move unsuitable in Costa Rica. Anyone I talked to previous to the travel that were, no person ever wavered. They have been at all times like, “Oh, you’re going to love it. It’s fantastic.”

Sean Pyles: It’s in contrast to any place else. The herbal wonderful thing about where, the Cloud Forest, the animals in every single place, the indigenous tradition. It’s unbelievable.

Kevin Berry: Yes, it for sure is. And you get quite a lot of geography in that nation too, relying on the place you need to move.

Sean Pyles: Yeah, very cool. Well, let’s get into probably the most specifics of your go back and forth plans and spot what we will be told out of your technique.

So let’s get started along with your lodge. What have been the main points of your reserving, and what recommendation do you could have for the remainder of us taking a look to e-book massive journeys like this?

Kevin Berry: When I stated a mountain of Marriott facets, particularly it was once 370,000 of them.

Sean Pyles: Oh, wow. OK.

Kevin Berry: So that …

Sean Pyles: It’s an enormous quantity.

Kevin Berry: It is so much, however that’s now not essentially a singular state of affairs to be in. Credit card sign-up bonuses — you’ll get 100,000 facets when you qualify for the ones and meet the minimal spend. And I traveled for paintings relatively somewhat in my earlier task, and the ones facets had piled up.

So we took that and cashed it in for 5 nights on the Weston all-inclusive. This is a hotel the place the money charge is $500, $600 in step with evening. So paying $3,000 for a travel isn’t one thing that we might typically do. Maybe some other people go back and forth like that. Good for them. That’s now not how we go back and forth.

It was once a relatively just right use of our Marriott facets. Here at NerdWallet, we do some of these valuations of “What are your points worth?” and “What should you try and get?” And a Marriott level is value about seven-tenths of a cent, in step with level.

And I were given somewhat bit higher charge of that, however I feel the large factor that you need to take a look at while you’re reserving a travel is: You don’t have to maximise the price when you’re getting an enjoy that you simply wouldn’t in a different way get.

And in order that was once in reality what it got here right down to for us. It was once like: This is a superb redemption, however we might by no means get to move right here in a different way, and that’s what made it attractive for us.

Sean Pyles: Yeah. So what was once so interesting about that belongings itself? What have been you getting from this reserving the place you stated, “This is the luxury travel that we want”?

Kevin Berry: I feel it was once a mix of a pair issues. First of all, within the Marriott machine, you’re ready to get a 5th evening unfastened while you e-book. So we handiest needed to pay 4 nights’ value of facets, however we were given to stick for 5 nights.

So when you are taking that on best of a $500-, $600-a-night all-inclusive, and also you’ve were given this pretty hotel and those high-end eating places, it simply in reality begins to pencil out, as a result of you’re feeling such as you’re getting a just right take care of the fifth-night-free perk.

And Marriott’s now not the one one who does that. Hilton has a fifth-night-free receive advantages. IHG has a fourth-night-free receive advantages. So it roughly will give you this chance to get oversized worth, if you’re strategic in regards to the kinds of accommodations that you simply pick out to spend your facets at. And you’ll do 5th evening unfastened on the Courtyard by way of your native airport, or you’ll do 5th evening unfastened at an all-inclusive in Costa Rica. So there’s somewhat little bit of technique there that performed into that.

Sean Pyles: I would like to listen to somewhat bit in regards to the different facilities of the place you stayed within the location itself. For instance, once I stayed in Costa Rica, my spouse and I stayed within the Cloud Forest at a lodge there. And the lodge presented guided excursions of wildlife at evening. We did an evening excursion of the native jungle within the house, which was once very gorgeous.

But then we additionally stayed at an all-inclusive hotel that had not anything of the type. It was once with reference to the sea, however maximum other people stayed within the pool, which we discovered roughly baffling.

So did you get to enjoy the herbal wonderful thing about the realm? What was once that have like?

Kevin Berry: Our travel was once somewhat distinctive. The first two days and the primary evening that we have been there, we if truth be told stayed on this little seashore the town that was once seven mins from the hotel. And we did a lot more of the native bed-and-breakfast, native eating place, consuming down by way of the seashore and simply strolling round the town.

And then we went to the hotel for the 5 nights. And while you’re on the hotel, there’s such a lot to do on the hotel that we by no means felt the wish to depart it. I now really feel the wish to return to Costa Rica and do all of the different issues.

But the hotel had those nightly displays, whether or not it was once this like fire-dancing display or a Caribbean-themed display. There was once coffee-tasting and drink-making. So there have been some of these other actions.

And in reality at an all-inclusive, a minimum of at a high-end one like we had, we have been lucky sufficient to visit, the meals turned into the process, with the, “Where could we get the reservation for dinner tonight?” And you began scheduling round that, for the reason that steaks have been so just right and the Italian meals was once so just right. It turned into a foodie travel, in reality.

Sean Pyles: I roughly love while you’re at a hotel like that. And it nearly feels such as you’re regressing again into your formative years, the place you’re simply being fed and sorted. And you don’t must if truth be told make any choices by yourself, except for for the place your subsequent meal is coming from.

Kevin Berry: Yeah, precisely. It was once for sure like that, particularly with the beverages simply coming to the pool every time you raised your hand.

Sean Pyles: Very great. Well, did you’re making it out to the Cloud Forest in any respect while you have been in Costa Rica?

Kevin Berry: We didn’t. Cloud Forest is at the subsequent travel’s listing.

Sean Pyles: You were given to do it. There are a variety of techniques to do it. Some other people will take a bus from San Jose. And we thought of doing that.

We ended up renting a automobile, as a result of we needed to force past the Cloud Forest to the place the true hotel was once that we have been staying at in the end. And when you love to force off-road, and also you’re now not petrified of steep mountain roads, I might suggest it. It was once a large number of amusing, and it will give you a specific amount of freedom. It was once a good time for us.

Kevin Berry: Very great. Yes. I will be able to take that advice to middle for my subsequent travel.

Sean Pyles: Well, I need to return to all of the ones facets, since you gathered an enormous quantity of them. How did you if truth be told get all of the ones Bonvoy facets?

Kevin Berry: The massive approach — and that is open to most of the people and that is what we communicate so much about at NerdWallet — is bank card sign-up bonuses.

Marriott has playing cards with Chase and with American Express. And when you qualify, they provide you with a welcome bonus, or a sign-up bonus, for spending a definite amount of cash in a definite time period.

Now, clearly you need to do this and pay the invoice on time. You don’t need to incur passion fees, as a result of then that takes the price away of the facets.

But you’ll get upwards of 100,000 facets or extra, relying at the promotion they’re providing. So that’s phase one.

And then phase two is, relying to your monetary state of affairs, occasionally you need to pay money to your journeys. When we move to Mexico, and the charges are inexpensive — they’re $100, $120 an evening — we make a choice to pay for the ones.

And then, as a result of we have now standing at Marriott and I’ve a Marriott bank card, I earn like 23 ½ Marriott facets for each and every greenback that I spend. So you’ll do the maths on 23 ½ occasions per week in Mexico — that begins so as to add up lovely rapid.

And thirdly, I might say, when you go back and forth for paintings, it’s value it to move from your strategy to keep at a constant logo, as a result of the ones facets begin to pile up, despite the fact that your corporate’s paying the invoice. You’re nonetheless the member, and also you’re nonetheless obtaining the ones facets. So you need to consolidate the ones.

Between business trips, and paying money, and incomes facets and bank card sign-up bonuses, attending to 300,000 or 400,000 facets is if truth be told now not as onerous because it sounds.

Sean Pyles: I need to communicate somewhat bit extra in regards to the time that you simply spent in Costa Rica. You discussed that you simply had some unbelievable meals, some nice espresso, which Costa Rica is understood for. What else did you do all over your time there?

Kevin Berry: We had an overly other enjoy the primary two days as opposed to the remaining 5 days. And the primary two days that we have been there, once we have been down within the seashore the town, little bed-and-breakfast, native eating places, native espresso stores.

And that was once only a in reality cool roughly, get a really feel for what a seashore the town in Costa Rica is like. It was once only a a lot other really feel than as soon as you were given to the sumptuous hotel.

And after we were given to the hotel, it turned into all in regards to the meals. And there was once a time table each day of the place it’s good to get reservations. There was once a time table of actions each day. It was once about discovering what seat on the pool it’s good to get and hunker down with for the day.

So there have been some logistics concerned with that. But yeah, it was once only a very other enjoy being at this luxury hotel, but in addition attending to kind of enjoy the native Costa Rica vibe the primary two days.

Sean Pyles: It sounds roughly “White Lotus”-esque with out possibly the terrible snobbery, I’m hoping.

Kevin Berry: Yeah, precisely.

Sean Pyles: OK, cool. So how a lot did all of this value — those actions all over the day? And what did you do to save cash?

Kevin Berry: Yeah, I imply, the wonderful thing about an all-inclusive is far of it’s already in the price. Like, we didn’t must pay for the displays. Obviously, we didn’t must pay for the foods.

The handiest issues in most cases, while you move to an all-inclusive — like if you wish to move to the spa — it’s additional. If you need to play on the golfing direction, it’s additional. So rather than some souvenirs, once we have been at the hotel, we didn’t spend any cash.

We in reality desirous about getting essentially the most out of our time at the hotel. There was once this cool bar, and so they’d have tune and dancing at evening — no value. No value for the beverages, no value to turn up.

That’s the bonus to an all-inclusive, proper? You take away this decision-making and it kind of permits you to simply benefit from the travel somewhat bit extra, as it’s simply all incorporated there.

Sean Pyles: One tip that I’ve for other people who would possibly keep at an all-inclusive hotel like that is to shop for sunscreen sooner than you arrive on the hotel, as a result of that’s one thing that I didn’t acquire sooner than I were given to my hotel in Costa Rica. I finished up having to shop for some there, and it was once $50 for a not-big bottle of sunscreen, which you needed to have.

So that may well be one tip. Stop by way of the native pharmacy sooner than you get there, as a result of when you land there, you’re now not going to need to depart.

Kevin Berry: Yes, precisely. We did simply that. The day we have been within the seashore the town, we hit up a neighborhood grocery retailer and collected necessities and the sunscreen was once very somewhat priced down there.

Sean Pyles: Not $50.

Kevin Berry: No, now not $50. We were given waters and sunscreens and all of the toiletries that we didn’t need to pack. It was once like $60 for it all. And, yeah, now not dangerous. And it was once sufficient sunscreen to get us throughout the week, and it was once nice.

Sean Pyles: Cool. So Kevin, when it got here time to e-book flights, what was once your idea procedure there?

Kevin Berry: Flying on this COVID technology, particularly with all of the discounts that experience took place staffing-wise with airways, we have been legitimately worried. Because, I imply, glance, we learn it within the information at all times about flights getting canceled and delays. And no one needs to leave out a connecting flight after they’re happening holiday, proper, and also you’ve spent 370,000 Marriott facets — you need to get there on time.

So we selected to mitigate a few of that. I are living in Portland, Oregon, and it’s now not a right away direction right down to Costa Rica. So we booked a separate flight into Denver, as a result of lets get from Denver to Costa Rica direct.

And we simply went an afternoon early. And we simply used a free-night certificates at an airport lodge. So that approach, we knew we have been in Denver the evening sooner than the flight, we have been on a right away flight to Costa Rica, and that mitigates a large number of the chance of lacking a connection or one thing going unsuitable.

And all of it labored out and we were given there on time, however simply much less tension on our finish. And typically while you value it out, it doesn’t value extra. Sometimes it’s if truth be told less expensive since you’ve were given some flexibility.

Like, I will pick out the inexpensive flight from Portland to Denver to get there, after which I purchase my price ticket Denver to Costa Rica and it finally ends up being less expensive than the airline routing me there themselves.

Sean Pyles: Yeah. And I feel the truth that it’s good to get a almost unfastened lodge that evening makes a large distinction as neatly. Because I used to be taking a look to e-book some go back and forth from Portland to London for the summer season, and I used to be taking into consideration flying into Chicago first, spending an evening there after which flying from O’Hare to Heathrow, as a result of O’Hare is the sort of massive global hub.

I finished up taking a look at the cost of a lodge and the whole thing else that was once going to be all in favour of it, and it didn’t make sense for me. I feel on account of accommodation by myself, it in reality driven me over the brink.

And I stated, “OK, I’m going to spend a few hundred bucks more for a flight straight from Portland to Heathrow, but in the end, I’m coming out ahead.” So the truth that you had some facets to make use of, I feel makes it value it for you.

Kevin Berry: Yeah. And I additionally inspire other people to test your lodge accounts, as a result of you could have free-night certificate you’ve forgotten about. You will have earned them via a bank card perk you used to have.

There’s quite a lot of techniques, relying at the manufacturers, that you simply get those free-night certificate. And they’re normally handiest just right for a definite point of lodge, a specific amount of facets in step with evening. But the ones airport accommodations are normally at the reasonable finish, and that’s occasionally a great way to burn the ones.

Sean Pyles: Right. All proper, that is smart. Well, so what about your go back flight, and the way did that move?

Kevin Berry: We had a captivating go back flight. We have been in a similar fashion booked Costa Rica direct again to Denver. And [on] our aircraft at the long ago, the bogs stopped operating.

Sean Pyles: Oh no.

Kevin Berry: And our flight nearly were given rerouted to Houston, which clearly would have led to us to leave out our connecting flight to get again house. And the pilot got here on and defined the location. And there was once very a lot the sentiment at the airplane of like, “We all need to get to Denver; we’re all just going to hold it.”

And we did. We were given to Denver, all of us stopped the usage of the bogs for like an hour and 20 mins. And the airline was once just right, to their credit score. Per week later, all of us were given $100 vouchers for the inconvenience. So that’s, you understand … Yeah, we’ll take that.

Sean Pyles: That’s great. It can have long past an overly other approach. So I’m satisfied it wasn’t that gigantic of a subject matter.

Kevin Berry: It for sure can have. And then after we were given to Denver, we have been if truth be told on United Airlines from Denver to Portland, and we were given upgraded to first-class without spending a dime, which was once nice.

I’ve Silver standing with United, which I if truth be told were given as a advantage of being a Titanium member with Marriott. This is a factor that I feel will get overpassed a large number of occasions: If you could have standing via no matter — via your paintings, via a bank card, otherwise you simply earned it — you could have Elite standing with one among their companions as neatly. And occasionally you need to turn on that.

So there’s a web page at the Marriott web site to turn on that Silver club for United. And simply by doing that, we were given lucky and were given upgraded to first-class for the experience house for no further value. So …

Sean Pyles: That’s lovely cool.

Kevin Berry: Yeah. You need to know what your choices are.

Sean Pyles: How can other people know what their choices are? Because those quite a lot of platforms can also be roughly complicated to navigate, as a result of there are all of those other relationships between other corporations. What did you do to determine that you simply had that chance?

Kevin Berry: First of all, when you’ve got Elite standing someplace, move have a look at their club web page. Go have a look at the Marriott Titanium web page, or move have a look at the Alaska Airlines Gold web page, or no matter it’s that you’ve. And they’re lovely just right at explaining what the ones advantages are.

And shameless plug: Check out NerdWallet’s content material as neatly, as a result of we have now Elite standing articles about all of those airways and accommodations that can lay out what comes with them and what else you may be able to get with them.

And the second one factor I might say is … test along with your employer. Numerous corporations have go back and forth advantages on account of higher contracts or offers that they’ve with go back and forth businesses or the airways without delay.

My spouse, as an example, has perks on 3 or 4 other airways via her paintings, however she has to decide into it. So you wish to have to find out about them, and you’ve got to present them your frequent-flyer quantity in an effort to cause the ones advantages. So ask your HR rep, ask your go back and forth individual, or on the other hand your paintings is ready up, and spot what you could have get right of entry to to via paintings as neatly.

Sean Pyles: Well, I would like to listen to about your favourite second of the travel.

Kevin Berry: That’s an excellent query. I’m going to cheat and provide you with two favourite moments.

I feel the primary one who involves thoughts was once the primary dinner meal that we had there at the first evening. We didn’t know what we have been in for, I feel. We knew we have been at it all-inclusive, however we didn’t know in regards to the high quality of the meals.

And we went to a steakhouse, and the filet mignons got here out, and you chop into that for the primary time, and we have been like, “Oh, this is what we’re in for all week.” That’s when the sunshine bulb went on that this was once now not going to be moderate meals. This was once high-level stuff.

I might say that, after which additionally simply the primary evening of the travel within the seashore the town, strolling throughout the little native the town and consuming on the beachside eating place, at sundown. It was once only a in reality low key, Costa Rica seashore vibe.

What an effective way to start out a travel and simply calm down and simply kind of reset your self. And particularly [because] we’ve all been via a coarse two years. And it was once nice to after all break out and really feel secure about it. Those are the 2 that stick out to me essentially the most.

Sean Pyles: Yeah, I utterly relate to that remaining one. Sometimes in case you have that second on a holiday the place you’re with any person that you simply love and also you in reality take within the position that you’re in in combination, can also be so significant, particularly finally that we’ve been via over the last couple years.

Kevin Berry: Yeah, needless to say.

Sean Pyles: Well, Kevin, do you could have any takeaway guidelines for our listeners?

Kevin Berry: One, when you’re going to e-book accommodations, be sure to perceive your lodge’s free-night coverage. Like we stated previous, Marriott and Hilton: If you’re reserving on facets, your 5th evening’s unfastened. IHG: fourth evening’s unfastened. You can get a large number of oversized worth and lengthen your journeys for no value while you do this.

Number two could be: Use your facets to take journeys you wouldn’t in a different way be comfy paying for. That’s the time to splurge is while you’re now not spending “real money” on a travel.

And I might say this, and we haven’t mentioned this but, however don’t be afraid to spend cash when you wish to have one thing this is high quality. And I say that within the sense of: We spent cash on transportation to and from the airport. We didn’t you need to be reasonable about it. We didn’t try to, like, frugal our approach via it, as it was once an hourlong experience, and we were given personal van transportation. We had nice guides that were given us there. As you discussed, the roads in Costa Rica can also be relatively bumpy and difficult to navigate, and that was once simply neatly value it.

So there’s occasions to be frugal, there’s occasions to make use of your facets after which occasionally you simply wish to pay for one thing in reality just right. And that’s OK.

Sean Pyles: Just to make issues more straightforward for your self. That is smart.

Kevin Berry: Yeah. There’s for sure a comfort issue and simply now not having to fret about positive issues. If you could have the cash to resolve an issue, you not have an issue. So don’t be afraid to spend it when you’ve got it.

Sean Pyles: All proper. Well, thanks such a lot for sharing your tale with us, Kevin.

Kevin Berry: Thanks, no drawback. And that’s all we have now for this episode.

Do you could have a go back and forth or cash query of your personal? Turn to the Nerds, and phone or textual content us your questions at 901-730-6373. That’s 901-730-NERD. You too can e mail us at

Also, talk over with for more information in this episode. And have in mind to observe, charge and evaluate us anywhere you’re getting this podcast.

Sean Pyles: And this is our temporary disclaimer, thoughtfully crafted by way of NerdWallet’s criminal group. Your questions are replied by way of an expert and proficient monetary writers, however we aren’t monetary or funding advisors. This Nerdy information is equipped for normal tutorial and leisure functions and would possibly not practice on your particular instances.

Kevin Berry: And with that stated, till subsequent time, flip to the Nerds.

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