Sean Pyles

Starting in February, Built members can earn points on mortgage payments for the first time.

Soon you'll be able to get rewarded wherever you live and unlock exclusive benefits with more than 45,000 restaurants, fitness studios, pharmacies, and other neighborhood partners.

Personally, as a homeowner, I'm very excited about this news, and I can't wait to use all of my points for a nice meal out with my partner.

It's simple.

With Built, paying rent feels better because you can get more.

And soon, owning a home can feel better with Built too.

Earn rewards and get something back wherever you live.

Join the loyalty program for renters at joinbuilt.com slash smartmoney.

That's J-O-I-N-B-I-L-T dot com slash smartmoney.

Make sure to use our URL so they know we sent you.

If you're feeling like you're behind on your retirement savings, well, join the club.

Sometimes it feels like if you're not putting your pinky finger to the side of your mouth while stroking a white cat and talking about a minimum of $1 million in your accounts, you're behind.

But there are ways to catch up, and we're going to outline them for you.

Welcome to NerdWallet's Smart Money Podcast, where you send us your money questions and we answer them with the help of our genius nerds.

I'm Sean Piles.

Up next, we answer a listener's question about ketchup contributions and how to fund accounts for maximum benefit.

But before we get into that, listener, you know the deal.

This is a show that runs on your financial questions, so send them our way.

In a moment, this episode's money question.

Stay with us.