NerdWallet's Smart Money Podcast
Episodes
How the 2008 Financial Crisis Changed Wall Street (The Big Short Companion Podcast from Against the Rules)
18 Dec 2025
Contributed by Lukas
Learn how Wall Street has changed since the 2008 financial crisis in this Smart Money special presentation of Against the Rules: The Big Short Compani...
2025’s Money Year in Review and Travel Card Moves To Make Now
15 Dec 2025
Contributed by Lukas
Hear how 2025 money news hit your wallet and whether your travel cards are really pulling their weight. How did 2025’s biggest money stories actual...
Strengthen Your 2026 Financial Plan and Optimize TSP and 403(b) Accounts for Heirs
11 Dec 2025
Contributed by Lukas
Learn how to prepare your money for 2026 and invest retirement savings you hope to leave to your family. How do Americans feel about their money head...
Life’s Big Buys: Travel Splurges and When to Cut Retirement Savings for a Home Down Payment
08 Dec 2025
Contributed by Lukas
Learn how to shift savings between retirement and a home down payment without derailing your future. How do you balance big life experiences with lon...
Understanding 2026 Housing Pressure Points and Finding Your “Enough” Number for Retirement
04 Dec 2025
Contributed by Lukas
See what 2026’s housing costs and mortgage rates might mean for your homebuying plans and learn when you can safely coast on retirement savings. Ho...
Master Multiple Credit Cards Without Tanking Your Credit Score (Plus: Giving Tuesday Tips)
01 Dec 2025
Contributed by Lukas
Learn how to donate effectively for Giving Tuesday and juggle multiple credit cards without hurting your credit score. How can you donate more intent...
Fix Emotional Spending Habits with Feel-Good Finance and Learn How to Manage Finances Post-Job Loss
27 Nov 2025
Contributed by Lukas
Learn how to navigate job loss and reshape your money mindset to feel more in control — emotionally and financially. What should you do with your m...
Outsmart Black Friday Hype and Tackle Credit Card Debt with a Budget Reset
24 Nov 2025
Contributed by Lukas
Learn how to spot real Black Friday deals and reshape your budget with a step-by-step money makeover. What should you watch for on Black Friday to av...
Thanksgiving Savings You’ll Actually Notice and Tax Filing Tips for Common Law Couples
20 Nov 2025
Contributed by Lukas
Learn how to save on Thanksgiving dinner and decide if filing taxes jointly makes sense for common law couples. How can you trim your Thanksgiving co...
Generational Wealth Built from Scratch and an Emergency Fund on a Deadline
17 Nov 2025
Contributed by Lukas
Learn how first-generation earners build wealth and how to grow an emergency fund before a possible job loss. How do first-generation earners start a...
IRA Conversion Strategies and Reading Economic Signals During a Shutdown
13 Nov 2025
Contributed by Lukas
Discover how current economic data affect you and decide if a Roth or Traditional IRA is the most appropriate option for your retirement savings. Wha...
First-Generation Wealth Building and the Truth About Stablecoin Yields
10 Nov 2025
Contributed by Lukas
Learn how first-generation wealth builders create financial freedom and what stablecoins could mean for your savings. How do you build wealth when yo...
Open Enrollment 2026: How to Choose Dental, Vision, Life and Disability (Plus: When to Refinance a Home)
06 Nov 2025
Contributed by Lukas
Learn how to pick dental, vision, life, and disability coverage with confidence, and when refinancing a home can actually save you money. Is now a go...
Healthcare Open Enrollment Tips for 2026 and a Catch-Up Plan for Retirement
03 Nov 2025
Contributed by Lukas
Learn how to pick the right health plan for your situation and build a stronger retirement even if you feel behind. How do you choose the best health...
How to Budget Better With Your Partner and Why Scam Calls Are Surging
30 Oct 2025
Contributed by Lukas
Learn how to spot shutdown-era scams and build a budget that works even when you and your partner disagree. How can you protect yourself from shutdow...
Big Event Budgeting and Credit Monitoring: What to Know Before You Swipe
27 Oct 2025
Contributed by Lukas
Learn how to get and read your free credit reports and spot red flags so you can protect your score and money. How do you set a realistic budget fo...
Invest or Pay Down Debt? Plus How to Save Big This Holiday Season
23 Oct 2025
Contributed by Lukas
Learn how to handle holiday shopping in an increasingly expensive spending environment. Plus, lightning round insights around debt, investing, and sav...
Are You Covered? Hidden Gaps in Life Insurance That Could Cost Your Family
20 Oct 2025
Contributed by Lukas
Learn how to choose term vs whole life insurance and calculate your coverage so your family stays protected. How much life insurance do you really ne...
What Home Sellers Can Legally Hide and How to Master Irregular Bills
16 Oct 2025
Contributed by Lukas
Learn how to plan for surprise bills and what to ask about a home’s past so your budget and buying feel stress free. Do sellers have to disclose de...
Feeling Burned Out? How to Know When to Quit Your Job — and What to Do First
13 Oct 2025
Contributed by Lukas
Learn how your habits and the cash and cards in your wallet reveal your money mindset, then learn how to know when it’s time to quit your job. Wh...
What Fewer Earnings Reports Could Mean for Investors and How to Teach Kids About Money (Video Episode)
09 Oct 2025
Contributed by Lukas
In this special video episode, learn what proposed stock market rule changes could mean for your portfolio and how to grow your teen’s money skills....
Watch the Nerds Sweat It Out: Hot Wings Meet Hot Money Takes (Video Episode)
06 Oct 2025
Contributed by Lukas
In this special video episode, Sean and Elizabeth and special guests eat spicy wings and share hot takes on saving versus investing, inflation, crypto...
Budget Rehab: What Our Hosts’ Spending Reveals About Smarter Money Moves
01 Oct 2025
Contributed by Lukas
In this special video episode, Sean and Elizabeth give each other a “budget rehab,” revealing their own budgets to help you fix yours. How can yo...
Stop Overpaying With Miles: The Redemption Rules Smart Travelers Use in 2025
29 Sep 2025
Contributed by Lukas
In a special presentation of Smart Travel, learn what your points and miles are really worth in 2025 — and why the answer might change how you book...
Stay Ahead of a Government Shutdown and Learn How to Invest Extra Money Wisely
25 Sep 2025
Contributed by Lukas
Learn how to prepare for a government shutdown and where to put $600 a month after building your emergency fund. What happens in a federal government...
Preparing Finances for Fall and How to Help Parents Who Haven’t Saved Enough
22 Sep 2025
Contributed by Lukas
Learn how to prepare your finances for fall and support aging parents who have limited retirement savings. How can you check in on your finances this...
The Fed Just Cut Rates — Here’s How to Make the Most of It (Plus: How to Freeze Your Credit)
18 Sep 2025
Contributed by Lukas
Learn how the Fed rate cut impacts loans and savings, then find out when to freeze your credit and how to do it fast. What does a Federal Reserve r...
Tap to Pay, Tap to Overspend? Mobile Wallet Traps and Money Conversations That Pay Off
15 Sep 2025
Contributed by Lukas
Learn if digital wallets make you overspend and how simple habits can help you stay on budget. How do you start money conversations that actually hel...
AI Stocks May Be in a Bubble, and Car Prices Could Rise Soon — Here’s What to Know
11 Sep 2025
Contributed by Lukas
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...
Estate Planning Made Simple and How to Handle Family Loans
08 Sep 2025
Contributed by Lukas
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 creati...
Why Refis Are Spiking and How to Optimize Your 401k Target-Date Fund for Long-Term Growth
04 Sep 2025
Contributed by Lukas
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, ...
Smart Buying Tips from Your Mama’s Kitchen and How to Change Banks Wisely
01 Sep 2025
Contributed by Lukas
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 w...
How to Talk Finances Before Cohabitating, and Why Coffee and Tea Prices Are Surging
28 Aug 2025
Contributed by Lukas
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 c...
Bank Account Denied? Overcome Verification Hurdles and Maximize Sign-Up Bonuses
25 Aug 2025
Contributed by Lukas
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 n...
Budget Rehab: Can a Family Rebuild Their Emergency Fund and Still Afford the Life They Want?
21 Aug 2025
Contributed by Lukas
The Nerds debut a new Budget Rehab segment, dissecting a real family’s budget to reveal strategies for saving more, investing smarter, and managing ...
How to Pay Less for Your Prescriptions and Brace for a Health Insurance Shake-Up
18 Aug 2025
Contributed by Lukas
Learn how to cut prescription costs and prepare for steep health insurance hikes if ACA tax credits expire. How can you make prescription drugs mor...
What Happens When You Trade Your Home for a Debt-Free Start?
14 Aug 2025
Contributed by Lukas
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 you...
Stop Living by One-Size-Fits-All Budgets — and Paying for One-Size-Fits-All Financial Advice
11 Aug 2025
Contributed by Lukas
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 diff...
Here’s What Tariffs Could Cost You (Plus: Downgrade or Ditch Your Premium Card?)
07 Aug 2025
Contributed by Lukas
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 e...
More Money, More Priorities: Don’t Let a Bigger Paycheck Go to Waste
04 Aug 2025
Contributed by Lukas
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 ...
Does Medical Debt Impact Your Credit Score? And How Much Do You Really Need To Save for a Home
31 Jul 2025
Contributed by Lukas
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...
The Right Way to Respond to Fraud, Plus Learn How Robo-Investing Works
28 Jul 2025
Contributed by Lukas
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 cred...
Housing Market in Flux: Should You Buy Now Before Prices Shift? (Plus: How Teens Can Build Credit)
24 Jul 2025
Contributed by Lukas
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...
Savings Bonds Explained: When to Buy, When to Cash In, and If They’re Still Worth It
21 Jul 2025
Contributed by Lukas
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 frie...
SALT Cap Raised, Clean Energy Credits Ending: Adapt Your Finances to the “Big, Beautiful Bill”
17 Jul 2025
Contributed by Lukas
Learn what the One Big Beautiful Bill Act means for your taxes, benefits, and financial planning. Then, understand how to adapt to living on disabilit...
Smart Planning Sessions: Go “Work Optional” and Move Retirement Funds Penalty-Free (Plus: Your Midyear Money Check-In)
14 Jul 2025
Contributed by Lukas
In this month’s Smart Planning segment, a financial advisor discusses how to transfer retirement funds penalty-free and how to adopt a “work optio...
Buy Now, Pay Later Comes at a Price: Credit Score Risks You Need to Know (Plus: $124k Windfall Tips)
10 Jul 2025
Contributed by Lukas
Understand how Buy Now, Pay Later financing options affect your credit and learn smart strategies for using a six-figure inheritance wisely. How do...
Amazon Prime Day Hacks and Budgeting Tips for Emotional Shoppers
07 Jul 2025
Contributed by Lukas
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 sp...
How to Retire Early and Live Abroad: Your Guide to Making FIRE Last (Plus: 2025 Gas Prices Explained)
03 Jul 2025
Contributed by Lukas
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 ga...
Overcome Emotional Spending and Spot Job Scams That Could Cost You Thousands
30 Jun 2025
Contributed by Lukas
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 goa...
Escape the Infinite Workday Trap (Plus: How to Grow $200/Month Into $300K)
26 Jun 2025
Contributed by Lukas
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 reclai...
Your Housing Questions Answered: Down Payments, Mortgage Recasting, and Buying in Tough Markets
23 Jun 2025
Contributed by Lukas
Explore strategies to strengthen your finances and get smart answers to common home buying and mortgage questions. When you're looking to buy your ne...
Are You Saving Enough in 2025? What the Data Says About Falling Short (Plus: Where to Keep Conservatorship Funds)
19 Jun 2025
Contributed by Lukas
Learn whether you’re saving enough money in 2025. Then, learn where to keep conservatorship funds to safely earn interest. What is the average Amer...
Smart Planning Sessions: Digging Out of $36K in Debt — Without Derailing Retirement
16 Jun 2025
Contributed by Lukas
In this month’s Smart Planning segment, a financial advisor discusses how to build a smarter debt payoff plan without sacrificing long-term financia...
Will AI Take Your Job — or Just Your Time? Plus, Rebuilding Credit After Debt Consolidation
12 Jun 2025
Contributed by Lukas
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 s...
How to Negotiate a Raise in a Tough Economy (w/ Brown Ambition’s Mandi Money)
09 Jun 2025
Contributed by Lukas
Learn how to negotiate higher pay and choose between Roth vs. traditional retirement accounts with confidence. How can you negotiate for a raise in a...
Economic Chaos and Car Costs: How to Weigh Risks in Uncertain Times
05 Jun 2025
Contributed by Lukas
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 ca...
Recover from Vacation Overspending and Avoid Costly Rental Property Management Mistakes
02 Jun 2025
Contributed by Lukas
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 o...
What to Do When the U.S. Gets Downgraded and Your Travel Credit Card Stops Paying Off
29 May 2025
Contributed by Lukas
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...
Should You Keep Your Old Home? The Financial Case for Selling vs. Renting
26 May 2025
Contributed by Lukas
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 ...
How to Prepare for Stagflation and Make Your Insurance Work Harder
22 May 2025
Contributed by Lukas
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 en...
Smart Planning Sessions: Investing Through Uncertainty and Planning for Early Retirement Abroad
19 May 2025
Contributed by Lukas
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 saf...
Is 'Made in the USA' Still Worth It with Tariffs? Plus: Best Accounts for Your Home Repair Savings
15 May 2025
Contributed by Lukas
When is buying “Made in the USA” worth it? Plus, learn where to stash savings for home repairs to maximize your returns. What does it mean when s...
Start Feeling Better About Money Today and Learn How to Manage Finances After a Layoff
12 May 2025
Contributed by Lukas
Learn how to navigate job loss and reshape your money mindset to feel more in control — emotionally and financially. What should you do with your m...
Are We in a Recession? What the Data Says—and How to Protect Your Finances
08 May 2025
Contributed by Lukas
Learn what a shrinking GDP means for you. Plus: how to handle your HSA if your employer stops contributing. Is the U.S. in a recession? How do you ro...
Spend Smarter This Wedding Season: Travel, Tipping, and More, (featuring The Knot)
05 May 2025
Contributed by Lukas
Learn smart ways to budget for your wedding and how to navigate tipping expectations without overspending. What money lessons did you learn from yo...
How to Keep Your Credit Strong During Economic Shifts and Know If You’re Ready to Buy a Home
01 May 2025
Contributed by Lukas
Learn what rising delinquencies mean for your finances, plus how to decide if you're truly ready to buy your first home. What happens if you fall b...
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
28 Apr 2025
Contributed by Lukas
In a new Smart Planning segment, a finance expert tackles retirement goals and savings questions with a listener. How can you gift savings bonds? ...
Less Spending Power, More Debt? Navigate a Declining Dollar and Make Progress on Credit Card Bills
24 Apr 2025
Contributed by Lukas
Learn how a weakening U.S. dollar affects your wallet and how you can escape the cycle of never-ending credit card debt. Why is the U.S. dollar losin...
Michele Norris Shares Kitchen Must-Haves and the Nerds Break Down Switching Banks for Better Rates
21 Apr 2025
Contributed by Lukas
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 w...
Strategies for Navigating Market Swings and Leveraging Home Equity Wisely
17 Apr 2025
Contributed by Lukas
Learn how to stay calm during market volatility and whether a HELOC or cash-out refi makes sense for your home reno goals. What should you do with yo...
How To Have a Better Relationship With Money and Maximize Every Dollar
14 Apr 2025
Contributed by Lukas
Learn how to explore your money beliefs and take real steps toward saving and investing, even on a tight income. What’s really behind your money ha...
Car Prices, Tariffs, and Trade-Offs: What to Know Before You Buy or Move Out
10 Apr 2025
Contributed by Lukas
Learn how tariffs could impact car prices and how to know when it’s OK to spend instead of save. Should you buy a car now before prices rise due to...
Last-Minute Tax Questions Answered and Tips for Keeping Your Financial Documents Safe
07 Apr 2025
Contributed by Lukas
Learn how to store all your important documents and get some last-minute tips for filing your taxes. Where should you store your important financia...
401(k) vs. Brokerage Account: Which Is Better for Retirement Savings? Plus, the National Debt Explained
03 Apr 2025
Contributed by Lukas
Learn about the U.S. national debt and how it impacts economics and what options to explore if your employer-offered 401k plan seems limiting. What...
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
31 Mar 2025
Contributed by Lukas
Learn the truth behind myths about building wealth, plus hear from a couple looking to align on financial goals and values. Can you build wealth wi...
How to Get Ready for a Recession and Choose Enough Car Insurance
27 Mar 2025
Contributed by Lukas
Learn how to prepare for a possible recession and make sure your car insurance coverage is enough to protect your finances. What should you do to get...
From Broker to Budget: How to Buy or Sell a Home in 2025
24 Mar 2025
Contributed by Lukas
Learn how to budget for a mortgage, compare lenders, and prep for home buying or selling in today’s changing housing market. How can you shop smart...
Managing the Job Market and Your Parents’ Finances: Tips for the Sandwich Generation
20 Mar 2025
Contributed by Lukas
Learn how to juggle finances for aging parents and kids, plus what the latest labor market data means for your wallet. How do you navigate the financ...
How to Budget for Trips: When to Book and How to Avoid Hidden Fees
17 Mar 2025
Contributed by Lukas
Learn how to budget for travel, save on flights, and maximize credit card rewards for your next trip. How can you budget and save money for travel? H...
What to do When Groceries Cost More and Retirement Feels Out of Reach
13 Mar 2025
Contributed by Lukas
Learn why tariffs are driving up prices and how you can still save money. Plus, how to catch up on retirement savings if you started late. How will n...
Can AI Really Manage Your Money? Plus: The Truth About Roth Conversions
10 Mar 2025
Contributed by Lukas
Learn how AI can help you budget, invest, and build financial knowledge. Then, get expert insights on Roth conversions. How can AI help you manage yo...
How Tariffs Could Impact Your Retirement and What to Know for 2025 Taxes
06 Mar 2025
Contributed by Lukas
Learn how to respond to market volatility, the risks of private credit investing, and key tax updates for 2025. Should you adjust your 401(k) amid un...
How to Get Your Finances Ready for a Crisis and Tackle Debt Smarter
03 Mar 2025
Contributed by Lukas
Learn how to prepare financially for uncertain times and balance debt payoff with saving for emergencies and retirement. How much emergency cash shoul...
Egg Prices, Greenwashing, and Smarter Ways to Invest
27 Feb 2025
Contributed by Lukas
Learn what’s causing egg prices to rise so dramatically, then explore ethical investing and how to manage savings wisely. Are ESG investments reall...
Behavioral Finance Mistakes That Hurt Your Portfolio and What “Good” Returns Look Like
24 Feb 2025
Contributed by Lukas
Learn how behavioral biases impact your investments and what a “good” return from your portfolio looks like. How do behavioral biases affect your...
Welcome to NerdWallet's Smart Money Podcast
24 Feb 2025
Contributed by Lukas
Hosts Sean Pyles, CFP®, and Elizabeth Ayoola are here to answer your biggest financial questions and help you take control of your money. On NerdWal...
Marriage and Money Myths — and Why the Economy Feels 'Off'
20 Feb 2025
Contributed by Lukas
Understand the financial pros and cons of marriage, from taxes to credit scores, and how it impacts your future. Is the economy as bad as people thin...
Why Traditional Budgeting Fails and What’s Missing from Your Money Plan
17 Feb 2025
Contributed by Lukas
Learn how values-based spending can help you curb impulse buys, avoid financial blindspots, and rethink your money habits How can you stop impulse sp...
Cross-Country Moving Tips and What a CFPB Shutdown Could Mean for You
13 Feb 2025
Contributed by Lukas
Learn what a CFBP shutdown could mean for consumers, plus how to financially manage a cross-country move — including whether to rent or sell your ho...
Debt in the Dating World and Retirement Planning for Entrepreneurs and Business Owners
10 Feb 2025
Contributed by Lukas
Learn how debt affects dating, plus expert advice on retirement planning for business owners navigating succession and savings. When does debt become...
Will New Tariffs and Tax Rules Cost You? (Plus: Travel Rewards & Roth IRA Tips)
06 Feb 2025
Contributed by Lukas
Get the latest on tariffs, federal spending and the CFPB shake-up — plus answers to your travel credit card and Roth IRA questions. What tariffs ha...
Introducing Smart Travel: Upgrade Your Getaways, a NerdWallet Podcast
05 Feb 2025
Contributed by Lukas
Do you need a vacation from planning your vacation? Before you budget, learn how to get the most out of your travel dollars with Smart Travel, debutin...
The Price Isn’t Right: How to Stop Overspending and Stay Debt-Free
03 Feb 2025
Contributed by Lukas
Break free from debt cycles and rethink your spending habits with tips on no-buy challenges and financial therapy. How can you stop falling into a cy...
Is It Time to Leave Your Job? Tips for Smart Moves and Strategic Growth
30 Jan 2025
Contributed by Lukas
Learn how to decide if it’s time to change jobs or careers and understand how to strategize before you make a big career move. How do you know if i...
Rising Insurance Costs and Choosing the Best Savings Account for Your Money
27 Jan 2025
Contributed by Lukas
Learn how rising climate risks impact home insurance costs and compare high-yield savings against money market accounts. How can you protect your hom...
2025 Real Estate Trends: What Homebuyers and Sellers Need to Know
23 Jan 2025
Contributed by Lukas
Learn how to navigate the 2025 housing market with tips for buyers and sellers facing high rates, prices and tight inventory. What steps can you take...
The Best Financial Products of 2025 and Investing in Collectibles
20 Jan 2025
Contributed by Lukas
Learn how to pick the best financial tools for investing, mortgages, and travel rewards to meet your personal goals. What are the best financial tool...
Simple Steps to Budget Better and Manage Credit With Confidence
16 Jan 2025
Contributed by Lukas
Learn how to create an effective budget and manage credit responsibly to build a strong financial foundation for 2025. How can you create a budget th...
Disaster-Resistant Finances: What to Do Before and After Catastrophes
15 Jan 2025
Contributed by Lukas
Learn how to prepare financially for natural disasters with practical tips on planning, saving, and post-disaster recovery. How can you financially p...