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Welcome to the NerdWallet Smart Money Podcast, where we answer your personal finance questions and help you feel a little smarter about what you do with your money. I'm Liz Weston.

And I'm Sean Piles. To send the Nerds your money questions, call or text us on the Nerd Hotline at 901 730 6373. That's 901 730 Nerd. Nerd. Or email us at podcast at nerdwollet.com.

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

And if you like what you hear, please leave us a review.

This episode, we have a very special guest, personal finance columnist and author, Michelle Singletary.

Michelle's award-winning column, The Color of Money, is syndicated by the

Washington Post Writers Group to media outlets nationwide. She's also the author of several

books about money, including her latest, which is called What to Do with Your Money When Crisis

Hits, a Survival Guide. She also recently authored a 10-part series, Sincerely Michelle, the Tackled Issues

Surrounding the Wealth Gap for Black Americans. Welcome to the podcast, Michelle. Oh, thank you so much

for having me. It's so great to have you. It really is an honor to have you on. And I really enjoyed

your book. It's a great emergency field guide about how to manage various money challenges, like how to

...