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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 have your money questions answered on a future episode, call or text us on the Nerd Hotline

at 901-7306373.

That's 901-730 Nerd. Or email us at podcast at nerdwollet.com. And hit that subscribe button

to get new episodes delivered to your devices every Monday. And if you like what you hear,

leave us a review. This episode, Sean and I answer a listener's question about how to balance

saving for a down payment on a house while saving for

retirement. First, though, in our This Week in Your Money segment, Sean and I talk about the money

lessons that we learned this year. Yes, after weeks of asking for your money lessons from this

year and receiving some really thoughtful responses, which we'll be sharing in an episode later this

month, Liz and I figured that we should share what we learned this year too. I know that I have a pretty notable lesson, but Liz, I'd love to

hear what you learned this year too. Well, I learned two things, and they're kind of related.

And the first one was how important is to build some slack into your personal economy.

...