You\u2019ve probably seen the offers when shopping online: Break up your purchase into smaller payments over a few weeks or months. But are buy now, pay later loans a good deal? Sean and Liz break it down. Then they answer a listener\u2019s question about how to get started building wealth. \nTo send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com.