Elizabeth Ayoola

Do you want to know if you should be buying gold or the smartest way to budget for your summer vacation?

Or are you in the market for a new credit card but not quite sure how to find the one that best fits your situation?

Whatever your money question is, we want you to send it to us by leaving us a voicemail or texting us on the Nerd Hotline at 901-730-6373.

That's 901-730-NERD.

You can also email us at podcast at nerdwallet.com.

This episode is sponsored by Rula.

For many of us, that answer includes taking care of our mental health.

You want to feel better, show up better, and also take care of yourself in a way that actually lasts.

Rula partners with more than 100 insurance plans, bringing the average cost down only $15 per session.

It makes therapy feel realistic and also sustainable.

You get licensed in-network care at a price that finally makes sense because you're using your benefits you already have.

You don't have to worry about wait lists and endless searching.

You can find someone who is accepting new clients, often as soon as tomorrow.

You are giving yourself support that stays with you.

To help us answer Amanda's question on this episode of the podcast, we are joined again by James Bashel, COO and advisor for NerdWallet Wealth Partners.

And our lawyers want us to say that NerdWallet Wealth Partners LLC is an affiliate of NerdWallet Inc.

Welcome back to Smart Money, James.

In your work as a financial planner, do you actually use the 80% rule?

I don't know why this conversation is making me feel a little sad.

It's reminding me of my mortality.