NerdWallet's Smart Money Podcast - Where Are They Now? Five Smart Money Listeners on Job Loss, Debt, FIRE, and Life Moves

Episode Date: August 10, 2026

Learn how five Smart Money listeners changed their money situations after talking with us about tackling job loss, debt, FIRE, and life moves. What really happens after the episode ends? Hosts Sean Pyles, CFP®, and Elizabeth Ayoola check back in with five listeners who came on the show to find out whether the financial moves they made actually paid off. Bri navigated an unexpected job loss and a serious health crisis at the same time. Did a bare-bones budget, a marketplace health plan, and relentless determination hold everything together over 15 months of uncertainty? And what happened when Ellie and her husband actually followed through on their FIRE plan, retired at 44, and moved the whole family to Spain — only to find their passive income took an unplanned hit? Then: Paolo had $3 million saved at 48 and still couldn't bring himself to slow down — could a financial advisor, modeling multiple retirement scenarios, give him the confidence to finally let his money coast? David's cross-country move didn't go quite as planned, leaving him to navigate buying a home in one of the country's priciest markets while managing a long-distance rental. And Delius, who came to the show carrying $100,000 in credit card debt and a Vegas rental property, faced the question of whether selling would feel like freedom — or like giving up a lifeline. Subscribe to our podcast’s free email newsletter for bonus content and more from our hosts at https://smartmoney-nerdwallet.beehiiv.com/  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 Smart Money’s YouTube Channel: https://youtube.com/@nerdwalletsmartmoney To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [e-mail]. Like what you hear? Please leave us a review and tell a friend. *The show notes were created with the assistance of AI. They have been reviewed by our editorial team for accuracy and quality. Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode is brought to you by Accenture. When your advertising operations fall out of sync, everything else follows. Spotify and Accenture are working together to reinvent the rhythm of ad sales, using automation, analytics, and smarter workflows to simplify campaign delivery and access better data across the business. The result? Less time spent on operations, more time connecting brands with the moments and fandoms that matter most. Learn more at Accenture.com slash Spotify.

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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. And my name hasn't changed. I'm Elizabeth Ayola. We got a question from one of you guys, and you asked if we would do a Where Are They Now episode? And guess what? Because we love you, we are doing one today. That's right. We're going to watch and hear updates from five different listeners who sent

questions over the past few years and came on the show to talk about them with us. We'll be hearing from Brie, Ellie, Paolo, David, and Delius. Let's start with Brie, send us a question in April 2025. At the time, she'd lost her job unexpectedly and needed advice on how to manage her money. Luckily, she already had four to six months of emergency savings in her emergency fund. we advised Bree to work with a bare-bones budget, focus on securing any form of employment at all to avoid going into debt or tapping into retirement savings. We also told her to try to reduce her health insurance costs by comparing Cobra and Marketplace plans. Okay, so here is Bree with an update.

Since we originally spoke in April of 2025, I can't believe it's been that long. At that time, as you know, I had just been laid off and was trying to figure out how. how to best manage my money until I've found a new job. A lot has happened since then, and I'd love to say that everything is solved with a pretty bow on top, but that's rarely how life goes, right? Here's a rundown of what's been going on the last 15 months. As we talked about, I immediately stripped down my budget to the bare minimum, absolutely no extra spending at all. I applied for unemployment and started applying for jobs right away. So finding my next opportunity became my full-time job and I was submitting applications, interviewing, and networking seven days a week. There wasn't a

single day that I skipped. And it was paying off. I was getting interviews and making it to final rounds for several opportunities. I did take your advice and remained open to opportunities that created some kind of income stream while I searched. To that end, I've consulted with several organizations on their culture and employee and training initiatives, and I have had so much fun with it. I also wanted to take full advantage of the time and ensure that there wasn't a gap in my resume, so I completed three certification programs alongside the consulting work and the job search. Things really seemed to be moving along, and I was feeling confident when life decided to

throw yet another curveball my way. In June, after a hospitalization, I learned that my brain tumor had grown again, and I would need to undergo radiotherapy. I started getting more specialist referrals than I could count. So I was glad to have had your guidance on the health insurance front as part of our last conversation. I ended up going with a marketplace plan. Treatment and everything that goes along with it then became one of my new full-time jobs, but I didn't stop the job search. I was still applying, interviewing, and networking seven days a week around my appointments, around my treatment, around the ongoing tests. Essentially, I now had two full-time jobs. And I am so grateful that I'm able to afford health insurance. And as you can imagine,

my out-of-pocket maximum was reached pretty quickly, which meant, actually most of the financial side of my health needs was actually relatively stress-free. So fast forward to the end of radiation, and I was also coming to the end of my unemployment benefits. So I adjusted my job search strategy and was able to snag a role that has allowed me to keep my health as my number one priority. I have continued on my journey and finding answers around my brain tumor, but I also haven't let it stop me from living. I am as committed to living a full life as I ever have been before. I recently completed the visa process to move out of the U.S. and have been getting settled in my new home.

Wow, Bree, thank you for sharing that update. I'm so sorry to hear about your tumor, but also so glad you were able to get all the treatment you needed. We're also glad that you were able to use the advice that we gave you about comparing health care plans to find one that was affordable for you to pay for all your treatments. And I'm so impressed by your drive and resilience, the fact that you did basically have two full-time jobs where you were looking out for your health and trying to get full-time employment. I'm really grateful that you were able to get a job that's supporting you and your health journey because this is scary, serious stuff.

Like you said, the things that are most important are rarely material. It is focusing on your well-being and living the life that you want. So I'm glad to hear that you're able to get your visa to live internationally like you wanted to when we were talking back in 2025, wishing you all the best. on your continued career journey because I'm just so proud of all you've done already. And I'm so inspired by you. I mean, during that time you've achieved so much, you started a podcast, did some consulting. You did so many things instead of like kind of letting it weigh you down. You still found ways to up-level yourself.

So well, done, Bree. And let us know the podcast name so we can listen. All right. Well, let's get to our next listener. This is an update from Ellie. Their question came to us in May 2025 about how to maximize $150,000 that was sitting in their high-old savings account. She and her husband achieved fire, which, for those who don't know, is financially independence, retiring early.

And they were able to retire by the age of 44, and they were two weeks away from moving to Spain with their two kids when we talked with them. They had a passive income budget of $5,000 earned through real estate and wanted that $150,000 to help generate extra income. But they were wary of putting it into the stock market because of the risk. So let's hear Ellie's update. Hey, guys. Thanks for reaching out again. Today is actually our one-year anniversary since we arrived in Spain. And it's been going great. We absolutely love it.

There's been some setbacks, you know, some things that didn't go quite according to plan, but most of it has gone according to plan. I think I told you that we sold a restaurant that we owned, and they have been going through some hard time, so they haven't been able to make payments. So our monthly passive income has been a little bit lower. But I followed your advice and the cash that we have we put into the stock market. So that's been growing steadily.

So we're okay. We're doing great. We don't work. My daughter loves going to school here. She absolutely loves it. Wow. What a difference a whole year can make. They're living in Spain.

Their daughter is settled there. They invested a bunch of money into the stock market and they're feeling good about it. But what Ellie's update reminds me as well is that no matter what kind of investment you have, there's always going to be some kind of risk. So even though they sold their restaurant and they thought it would be a passive income stream, there's never stability guaranteed 100% of the time with something like this. And so, you know, it seems like they are riding that wave of not having all the passive income they wanted to based on what's happening with that investment.

But I'm glad to hear they have other sources of income and they're enjoying. their new expat life and building a community in their new home in Spain. I was so excited when we got this question because you know how much I love fire. And it was just so cool to see someone who's actually achieved it and was about to live out their fire dreams. So congratulations, Ellie. I'm so glad that it's going well. Also, what I'm getting from Ellie's question is the importance of taking risks, right?

Every financial choice that you make has some kind of risk. And it's a big deal to pick up your whole life and move to another country with your family and just depend on all the hard work you've done in savings to save you and keep you afloat. But Ellie did it. She did it. And I don't know if you just noticed in the video, it seemed so sunny and beautiful. And she seemed so relaxed and happy. And I think that goes to show what all of this hard work, saving so diligently for so long, can get you.

It's just that ease and that joy of living the life that you've been dreaming of. I am honestly kind of jealous. I wonder maybe one day when I'm 44, I'll move to Spain and start my whole life over just like Elie. Ellie did. And by the way, if you are curious to see what Ellie looks like or what we look like, you need to go to YouTube because we are on YouTube and the link is in the episode description. We have another member of the fire community who wrote us a question, Paolo. And that question was sent in September 2025 and it was about COS-Fi. We answer the question in December in case you want to go looking for it. Now, for those who aren't familiar with COS-Fi, it's essentially where you front-load your retirement savings. so that you can coast into retirement. If you're wondering how it's different from traditional fire, you don't stop working, but you just save enough aggressively.

And once you hit a certain number, you can let your savings keep compounding. Now, Paolo had an impressive chunk saved, $3 million at the age of 48, and just wasn't sure whether it was time to take his foot off the break or keep on saving. Now, Paulo wanted to retire at 65 as well, because he does enjoy his job,

but he just wanted to reduce his savings rate. Are you guys ready to hear from Paolo? Oh, well, if you're not. Here it goes. Hi, Sean. Hi, Elizabeth. First of all, I want to take a second to thank you for talking to me, helping me out with my coastfire plans and talking to be about my future plans. I took your advice and I did finally find a financial advisor to talk to about everything. It did take a little while as initially I spoke to several different ones and I just didn't seem to just didn't seem to jive with my needs. But finally, I did find one that's working great for me. And so far, it hasn't been too long. They've been working together. But for the amount of time

we have been working together, it has worked out very well. In fact, he prepared a financial plan for me with a few different scenarios. Made a scenario where I stopped contributing to my retirement now and just let what I have coast, I guess, until retirement. He ran other scenarios, including everything from stopping in five years, contributing or even early retirement, for example, retiring in five years or 10 years or so, which was great. It gave me a lot of confidence.

I really feel a lot more positive about where I am, where I stand with my finances, and where I need to go from now. In fact, the decision that I made now is, since it's difficult for me to just put a complete stop on all my savings, I'm going about it slowly

and just every few months, starting to reduce the amount that I'm putting towards savings and kind of seeing what kind of effect that has. And eventually just letting my investments coast until retirement. We've actually taken that extra money now and my wife and I are planning a few more trips, which was our long-term goal was to travel more.

In fact, we have a trip coming up here at the end of July and then even another one at the end of August, which is great. Then I think we'll take a break for a little while. But we're definitely traveling a lot more than we were as previously when we were traveling once or twice a year. So that's a start. It's been going great. I really appreciate it. And thanks again for all your help. And I hope to be in touch with you. Bye-bye. What a great update. I'm so proud of Paolo for being really thoughtful and how they were approaching finding the right financial planner for them. Because like they said, you can have conversations with planner and just realize this isn't going to work for any number of reasons. Maybe it's not a good personality fit. Maybe they don't have experience in your specific area, which seems to be the case with Paulo here. But taking the time to interview a handful, at least three different financial. plan for choosing one is a very smart idea. I'm very glad that they did that. Me too. And I remember

how anxious Paolo was about just having enough and not wanting to stop savings. It made me so elated to hear that Paolo and his wife are now traveling and taking multiple trips a year. And that he's also gradually reducing his savings rate, which we kind of advised him to do in terms of focusing on the exciting part of reducing the rate versus the fear and the anxiousness. And that's one of the things that working with the right planner can really give you is that kind of reassurance and showing you the different models of, okay, what happens if you totally pull back right now? It happens if you retire in five years. Running all these simulations are things that their average person just can't really do on their own, or if they do it on their own, they might not have the confidence that

they're actually running the numbers the correct way. Hiring a professional who is a fiduciary and whose whole job is to do this for you can really pay off. And like we've seen, Paolo has been able to go on trips with his wife now and enjoy his life more instead of worrying about spending enough or saving enough. Exactly. And I know Paulo also mentioned in the episode that he wanted to potentially buy a new call or buy a house. So I hope, Paolo, if you're listening, that you're able to do those things as well. And I'm curious how much your portfolio has grown now.

And now, Sean, I'm so inspired. You might not see me in 10 years. You might need a new co-host. I'm going to fire. Okay. Well, if you want to do Co-Spire, bring me on one of your vacations like Paolo. And maybe we'll go see Ellie in Spain.

Oh, my God. Not a link up with our listeners and viewers and the host. It sounds amazing. I love it. That sounds so fun. We're going to take a quick break. Stay with us. This episode is brought to you by Accenture.

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The next update comes from David, who sent a question in December 2024 about a cross-country move from a western state to a Midwestern one to be closer to family or friends. Now, at the time, David and his wife had two small kids, a household income of about $175,000, and they were considering selling their home,

which there were only 10 years away from paying off. Very impressive. Now, I wasn't on the podcast full time yet. Sean, but you were doing this episode with Lisa Green. Do you remember? Of course you remember. Of course I do. Lisa Green is one of our writers who's on the insurance team, but she happens to have some rental properties

So she chimed in with a bunch of great information about how to manage a rental, especially when you don't live near your rental property. We're about to hear David's update. Hi, Sean and Elizabeth and everyone at Smart Money. This is David checking back in after about a year and a half after my episode. When we last talked, I was considering a big move across the country. Well, the move happened, just not in the direction I expected. My wife's career brought us from our western state to northern California, where we're now much closer to her large extended family in the Bay Area. Thankfully, her employer covered the cost of moving our four-bedroom house, which was a huge financial relief because we realized that was just no small expense.

We decided to keep our previous home as a rental. I actually found a tenant myself, but we did hire a property management company to handle everything after that, like it was recommended when I was on the podcast. Even though it costs a little each month, it has been well worth the peace of mind being about 600 miles away from the house. One of the bigger financial decisions was selling a little over six figures of investment. to make the down payment on our new home. The tax bill this past April definitely wasn't fun, but after doing the research, we realized it was the right move for our family and our long-term goals. The good news is everything else has fallen into place. I did get a new job teaching middle and high school math classes along with a personal finance elective. It's going great. My kids have

settled into the new school and we're really happy with the decision to move. Just wanted to end with a really big thank you. Being on smart money with such a great experience and your podcast has continued to be a resource. Whenever I have financial questions, I am a lot. loyal listener for life. I really appreciate that you and the team not only educate the listeners, but also make yourselves available for follow-up questions. Thank you again and best wishes. Aw, David, I'm so happy for you guys. It all worked out. Doesn't it always work out somehow? Yes, sometimes you have a couple of, you know, left and U-turns and dead ends, but it works out, no? Yeah, it seems like it worked out better than they were even hoping, especially since David's wife's

employer was able to cover the move for them. And yeah, they sold some stock that left them with a tax bill, but that's also the price you pay for selling your stock and having that cash allowed them to buy a house in the Bay Area, which is not easy to do. And now David and his wife are gainfully employed. It seems like David's really satisfied in his position. You know, he actually emailed me recently to talk about how he was considering pursuing his CFP certification. Oh, la la la. You know, what the process was like. TLDR, it's extremely time consuming. But I found it very enriching, and I hope if he pursues it, he finds it similarly satisfying. and able to help him expand his knowledge and his educational work.

But I do want to talk a little bit about working with a property manager. I'm really glad that he decided to go that route just to have that stress most of the office plate. But I will add that just because you have someone managing the day-to-day operations. That doesn't mean that you can just not pay attention to your house. I had a bit of a hiccup with my property manager just this past month where I didn't get paid. At least not on time. Usually I get my rent payment around, you know, the 10th. at the latest of the month.

And it was getting to the 16th to the 17th, and I didn't hear anything. And so I ended up calling. And I wasn't sure, is there an issue with my tenant not paying rent? Is it something with the property management side? Basically, long story short, the person who manages this had just been out and they didn't tell me. So I'm glad that I followed up. I eventually got my rent money. But, you know, I hope that, David, if you ever have any issues like this, you can just call and resolve them quickly.

but again, you do need to still be on top of what's happening with your income, with your property itself, and also put some money aside for taxes too because you will owe taxes on that money. So in other words, your finances are never completely hands off. You should always at least be checking periodically what's going on, whether it's a rental property, your investment, savings account, anything. Sean, I must ask you, I know that we are not these people's financial advisors and this is not personal advice, but how does it feel for people to ask? actually use your advice. It's really satisfying. I mean, I think that Elizabeth, you and I have been

the personal finance space for a while. We know what we're talking about here. And we always say that we're not directing people what to do with their money. And that's true. We're giving people things to think about so they can make their own informed decisions. But it feels really great. And I feel really proud of all of these people we've spoken with who used the information we gave them to make the decision that was best for them. And now they have been able to use money as a tool to create the life that they want and look at how much they've done in just the past year or year and a half. It's really remarkable. It is. I feel like a proud parent. You guys are not my kids, but I feel like a proud parent. I'm so proud of you all. I feel the same way. Okay, on that note, we have one more. You do the

honor, Sean. Okay. This one I am so excited to get to. It is from a listener named Delius who contacted us last year when they had a lot of debt. They had been having a hard time finding work. They had a property. They weren't sure if they should sell and maybe use some of the cash to pay off their or do they hold on to it and get some rental money from it? They just had a lot going on, and they've actually made a lot of progress in their life. So let's hear Delius's update. What's going on on, Smart Money Podcast?

Deli is here, giving you an update. 2026 has actually been pretty awesome, despite everything that is going on in the world. I sold my house in April and the capital gain. I used to clear all of my high-interest debt. I also paid off my car note. I think the biggest thing that I learned from the podcast was to get organized and have a financial plan. Sean will be happy to know that I created sinking funds and I also have savings accounts for my goals.

Now I feel a lot less guilt about spending money. The biggest thing that I got from this reset was just a feeling of freedom again. The best analogy, I just felt like this debt was like a ball and chain. I was dragging around. and it was making everything gloomy. But now I feel much lighter. Also, my partner passed the California bar and is moving to California.

So I also put a portion of the proceeds away for our future dream home. Elizabeth, you know what stands out to me is that big sigh of relief when Delius was talking about the debt that they paid off and how they have so much more freedom and options now. Yes. You can really see it on their face.

They just feel so relaxed and unburdened by this. When we were talking last year, I mean, they were in a pretty stressful situation. Yes. And they weren't sure what they should do. Yes, they were really bogged down by this debt. But one thing that we emphasized in that conversation is that they always have options. And one that we brought up was Chapter 7 bankruptcy. We weren't sure that might be their fastest and easiest route out of this really overwhelming debt.

Or if selling the house was going to be the better bet for them, they went the route to sell the house. And it seems like they're super happy with that decision. Yes. And I remember towards the end of the episode when we asked, Delius, what they would like to do, what decision they were leaning towards. I remember telling them to do what feels best for them. And it was a common theme throughout that episode of them feeling chained and not free. Freedom was a huge theme. And I'm glad you feel free now, Delius, and you did what was right for you. I know that you thought Sean was going to yell

at you about selling the house, but look, he didn't yell at you. No. I'm glad that they made that informed decision we were just talking about. And now they've opened themselves to have even more options. I mean, their partner passed the bar, and I assume that means pay raise, hopefully. Yes. And Delius has some work now, too. So I hope that they can really continue to build a life that they want together with this newfound freedom that paying off debt gives them. And we have one request. If you guys do decide to walk down the aisle, we need wedding picks.

Yes. I thought you were going to say an invitation. I would love an invitation. But at the least, picks. What if we got an invitation? Guys, would we go? Guys, would you invite us to your wedding? Would you?

I would go. I would go. I love to go. Please, delis. I love a good wedding. Weddings always make me cry. They're so beautiful. I know. Such a sloppy girl.

You know, we just want to let you all know. We sit behind these microphones and we talk to you all. And sometimes the only way that we know that we're talking to people is when you send us emails and questions and you leave comments. So it just really warms my heart to know that people are listening, people are implementing, and that we're making an impact and we're not just yapping all day. And as much as we can, we want this to be a multi-way comment. where you're talking to us, we're talking to you. So that's why I recently was plugging my Instagram account, Sean Triple

underscore Piles. Some of you followed me and messaged me and I really appreciate that. I want to keep the conversation going with you there. We've been talking about our newsletter. You can find a link to sign up for that in the episode description because the more we can have this ongoing dialogue, the more we'll be able to all make smarter, more holistic, supported financial decisions. And that's what Elizabeth and I want to do every day for you.

I think a common theme for me, Sean, throughout listening to everyone's update is how personal, personal finances are. Two people can make the same decisions and it have completely different outcomes for their finances and even just for their happiness and well-being. So sometimes we focus so much on the numbers and having enough when really it's about both having enough and the quality of life that you end up with based on the financial decisions that you make. Yes. And sometimes we get questions from listeners where they kind of want us to tell them what to do with their money. And this is really why we never do that is because what they do, the options and the resources at hand is so personal based on their own values. Again, that's why

we talk about your values and what you really care about in life because what matters to most, one person won't really matter to another. Like someone could see Ellie moving to Spain at 44 with their kid and think, that is wild. I'm never going to do that to my family. But to Ellie, that is her dream come true and she's living her best life right now. So that just goes to show, again, that everything is so individual. Take the information that we give you. But when you're actually making the decision when you're at that point, you realize that you're doing what's best for yourself because you want to do it,

not because someone else is telling you to do it. Yeah, one more thing. Money is a tool. Sometimes we forget that. Money is a tool just to bring us fulfillment, joy and happiness, and to make us comfortable in life. And I think every single person who sent a video and audio

is using money as a tool to live their best life. So shout out to y'all. Shout out to y'all. And also, we have plenty of tools at nerdwollet.com, which can help you do things like find out when you can retire or if you can buy a house. So check all of those out on the internet wherever you have it, which is probably in your pocket since you're listening to a podcast.

All right. That's all we've got for this episode, folks. If you have any other money questions, hit us up on the Nerd Hotline. You can call us or text us at 901-730-6373. That's 901-730 Nerd. You can also drop us an email at Podcast at NerdWall.com or leave a comment on Spotify or YouTube. Join us next time to help a 69-year-old who's going back to work.

But until then, follow Smart Money on your favorite podcast app. That might be Spotify. Might be Apple Podcasts. Could be IHeart Radio. Whatever it is, follow us and automatically download new episodes. Elizabeth, which is your favorite podcast app? Ha! Me and I all fight about this.

We have a fight, a showdown every day. So just a quick little thing about it. I love Spotify. I do not like Apple. But I get Apple for free with one of my travel credit cards. I all loves Apple too, and he has a whole bunch of playlists on there. For those who leave comments for us on Spotify, if you see me reply from a cool kid profile, that's I'll. And we constantly are switching our profiles back and forth.

But anyway, I'm trying to convert him to Apple since I get it for free. He don't like Apple either, though. But I'm like, hey, that's your special platform just for you, wink, wink. So I'll let you guys know how the battle goes. Well, I am too deep in Apple's ecosystem. So I'm listening to Apple Podcast, Apple Music. Boo. It's fine.

Anyway, I was just curious about that. Well, here's our brief disclaimer. We are not your financial or investment advisors. This nerdy info is provided for general educational and entertainment purposes may not apply to your specific circumstances. Some companies mentioned in this episode may be nerve all partners, but that does not influence how we discuss them. And with that said, until next time, turn to the nerd.

Hey y'all, it's Kelly Clarkson with Wayfair. Ever order furniture online and wonder, what if? Like, what if it doesn't hold up? That sofa was four days old. You should have ordered from Wayfair. With Wayfair, there's no what if. Just style you love and quality you can. can trust. Visit wayfair.ca.