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NerdWallet's Smart Money Podcast


1 Why Refis Are Spiking and How to Optimize Your 401k Target-Date Fund for Long-Term Growth 28:02
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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…
His Word His Way
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Manage series 1111137
Indhold leveret af Saiko Woods. Alt podcastindhold inklusive episoder, grafik og podcastbeskrivelser uploades og leveres direkte af Saiko Woods eller deres podcastplatformspartner. Hvis du mener, at nogen bruger dit ophavsretligt beskyttede værk uden din tilladelse, kan du følge processen beskrevet her https://da.player.fm/legal.
Where the Word of God is the final authority
…
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78 episoder
Marker alle som (u)afspillede ...
Manage series 1111137
Indhold leveret af Saiko Woods. Alt podcastindhold inklusive episoder, grafik og podcastbeskrivelser uploades og leveres direkte af Saiko Woods eller deres podcastplatformspartner. Hvis du mener, at nogen bruger dit ophavsretligt beskyttede værk uden din tilladelse, kan du følge processen beskrevet her https://da.player.fm/legal.
Where the Word of God is the final authority
…
continue reading
78 episoder
Alle episoder
×Jesus Authority Questioned Sermon Date: 11/25/2012
When Jesus Cleans House Sermon Date: 11/11/2012
Christ The Triumphant King Sermon Date: 10/28/2012
The Blessings Of Unity Sermon Date: 10/21/2012
Restoring Sight To The Blind Sermon Date: 10/14/2012
Kingdom Greatness Sermon Date: 10/7/2012
Why Christ Suffered Sermon Date: 9/16/2012
God's Sovereignty In Serving Him Sermon Date: 9/9/2012
Lord Whats In It For Me Sermon Date: 9/2/2012
All Or Nothing Sermon Date: 8/19/2012
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His Word His Way

Pastor Saiko Woods On Dion Evans Live Part 1 Airdate: 8/15/2012
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His Word His Way

Pastor Saiko Woods On Dion Evans Live Part 2 Airdate: 8/15/2012
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His Word His Way

What Does Jesus Say About Children Sermon Date: 8/12/2012
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His Word His Way

What Does Jesus Teach About Divorce Sermon Date: 8/5/2012
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His Word His Way

Pastor Saiko Woods On Dion Evans Show Seg 4 Airdate: 8/2/2012
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His Word His Way

Pastor Saiko Woods On Dion Evans Show Seg 3 Airdate: 8/2/2012
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His Word His Way

Pastor Saiko Woods On Dion Evans Show Airdate: 8/2/2012
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His Word His Way

Pastor Saiko Woods on Dion Evans Show Seg 1 Airdate: 8/2/2012
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His Word His Way

How Shepherds Are To Relate To Sinning Sheep Sermon Date: 7/22/2012
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His Word His Way

How Shepherds Are To Relate To Straying Sheep Sermon Date: 7/8/2012
How To Get To Heaven Sermon Date: 7/1/2012
A Reverent Fear – Alfonzo Neal Sermon Date: 6/24/2012
How Kingdom Children Should Live in a Corrupt Society Sermon Date: 6/17/2012
Jesse Lee Peterson Denies the Authority of Scripture Sermon Date: 6/7/2012
A Glimpse of Glory Part 2 Sermon Date: 6/3/2012
The Habit of Holiness Sermon Date: 5/27/2012
A Glimpse of Glory Sermon Date: 5/20/2012
Biblical Discipleship Revisited Sermon Date: 5/13/2012
What Makes A Church A True Church Sermon Date: 4/29/2012
Helping The Blind See Sermon Date: 4/15/2012
Desperate Faith Sermon Date: 3/18/2012
Feeding The Five Thousand Sermon Date: 2/12/2012
Standing For Truth Sermon Date: 2/5/2012
The Danger of Unbelief Sermon Date: 1/29/2012
Valuing the Kingdom Sermon Date: 1/15/2012
Kingdom Influence Sermon Date: 1/8/2012
Worship 101 Sermon Date: 11/27/2011
Tares Among Wheat Sermon Date: 11/20/11
From Plain to Parable Part 3 Sermon Date: 11/13/2011
From Plain to Parable Part 2 Sermon Date: November 6, 2011
From Plain to Parable Sermon Date: October 30, 2011
True Relationships Sermon Date: October 23, 2011
Brother Alfonzo Neal – Persecution What it Means to Suffer for Christ Sermon Date: October 16, 2011
The Danger of Moralism Sermon Date: 10/9/11
No More Signs Sermon Date: 10/2/2011
Watch Your Mouth Sermon Date: 9/25/2011
The Unpardonable Sin Sermon Date: 9/18/2011
Dealing With Legalism Part 2 Sermon Date: 9/4/2011
Dealing With Legalism (Part 1) Sermon Date: 8/24/11
Jesus’ Response to the Remnant Sermon date: 8/21/11
Defining True Greatness Sermon date: 8/7/2011
When in Doubt Sermon Date: July 31, 2011
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His Word His Way

The Reality of Real Discipleship Part 2 Sermon date: July 24, 2011
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His Word His Way

The Reality of Real Discipleship Part 1 Sermon date: July 17, 2011
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His Word His Way

The Disciples Marching Orders Part 2 Sermon date: July 10, 2011
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His Word His Way

The Disciples Marching Orders Part 1 Sermon date: July 3, 2011
The Calling of The Twelve Sermon date: June 26, 2011
The Christ Who Cares Sermon date: June 19, 2011
The Blind See Sermon date: June 12, 2011
Two Dilemmas One Deliverer Sermon date: June 5, 2011
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