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welcome to the nerd wallet smart money, where we answer your personal finance questions

and help you feel a little smarter about what you do with your money.

I'm Sean Piles.

And I'm Liz Weston.

To contact the nerds, call or text us on the Nerd Hotline at 901-7306373.

That's 901-730 Nerd.

Or email us at Podcast at NerdWallet.com.

And hit that subscribe button to get new episodes delivered to your devices every Monday.

And one last plug before we get the episode going.

We want to hear from you, our listeners, so we put together a super quick two-question survey.

You can find the link in the episode description, so please take a few seconds to fill it out.

We're always working to

improve the show for our listeners, and this is your chance to help. On this episode of the

podcast, Liz and I answer a listener's question about how to get started building wealth as a

recent college graduate. First, though, an hour this week in your money segment, we are talking

with personal loans nerd Annie Miller-Burn about buy now pay-later loans.

Hey, Annie, welcome back to the podcast.

Hey, thanks for having me.

So, Annie, I see these loans all around the internet when I'm shopping for things.

And I'm wondering if you can give us a breakdown of what these loans are and how they work.

...