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Welcome to NerdWallet's Smart Money, where you send us your money questions and we

answer them with the help of our genius nerds. I'm Sean Piles. And I'm Sarah Raffner. Sean,

happy Thanksgiving. Oh, and happy Thanksgiving to you, too, Sarah. On this day of thanks,

I would like to thank all of our listeners for participating in the

grand smart money experiment. We love getting and answering your questions, and we appreciate

all of you and your loyal listenership. It really is a privilege to be here in front of the microphone,

interacting with folks, helping them with their finances. I have to say,

I really enjoy hearing about people's lives and the financial decisions that they're hoping to get

help with, and not just because I am a nosy person, but also because I just like to know what's on

people's minds. And how we can help people. It really is an honor. I've been answering the questions of smart money listeners for a few years now, and sometimes

people ask if I get bored of answering similar questions over and over.

And I always say no, because in truth, each listener's question is different.

Whatever someone wants help with is informed by their own

financial background and experiences and their current financial goals. And I just find that stuff

endlessly interesting. So do I. And besides, listeners join us at different points, at different

episodes. So it is helpful to repeat topics once in a while. And, you know, if you're making a

...