Sean Pyles

speaker

9,315 appearances 110 recordings 1 series first heard Nov 2024 last heard 3d ago

Sean Pyles’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 44 in all, peaking in Aug 2026 with 9.

Appearances

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NerdWallet's Smart Money Podcast · Budget Rehab: A Debt-Free Couple Plans for a Wedding, House and Baby (Plus: Inside Disaster Betting Markets) · 10 Sep 2026 podcast

I don't think there's anything else. voice-verified

And then about your retirement savings, how much do you have saved between the two of you? voice-verified

the Fidelity accounts, is that a taxable brokerage account or is that a retirement account? voice-verified

And the goal of this framework is to have balance in your budget. voice-verified

And sometimes your needs score might be closer to 60 if you're an expensive area, but sometimes it actually might be lower. voice-verified

Like Lauren, with you and Jack, your must have score, your needs score is actually closer to 33%, which is great. voice-verified

It means that you're having a pretty affordable way of living just voice-verified

based on what you're putting in for your groceries and your housing so i love to see that and your savings score is also a little bit below average technically at 28 you know usually that's around 30 but still because you don't have any debt that's still a really solid number you're putting a lot away and your want score is closer to 38 so a little on the higher end and when you wrote to us initially you mentioned that you were concerned about not having enough money voice-verified

to enjoy your day to day life and maybe have some of those wants expenses. voice-verified

How are you feeling about this category of your spending based on what you're seeing here and what you might want to do with your wants money? voice-verified

Okay, is there a lot of goals? voice-verified

I think that, voice-verified

might be a fair conclusion based on your want score being 38% and your various savings goals. voice-verified

We talk about sinking funds a lot on Smart Money because of how helpful it is as a strategy to make progress on multiple savings goals at once. voice-verified

So as you begin to put money into your new high yield savings account, voice-verified

I would encourage you to look into maybe having three or four based on these different goals that you just laid out, kind of backing yourself into them, thinking, OK, if we do want to buy a car in ten months time, what kind of down payment do we want so we can feel comfortable with a monthly payment? voice-verified

And then you can begin to allocate specific money just for that. voice-verified

And same with having a kid and maybe even a vacation fund. voice-verified

This will help you stay organized instead of just having a general pool of money to pull from and also get really clear on what your emergency fund numbers should be too. voice-verified

Have you guys looked into that, whether it's going to be three or six months of expenses for you? voice-verified

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