It\u2019s time for some money hot takes. To start off this episode, Sean and Liz share their (maybe unpopular) opinions about personal finance topics. Sean goes off about why buy now, pay later loans aren\u2019t all they\u2019re cracked up to be. And Liz shares her thoughts on how the credit bureaus can fix the way they handle your data.\xa0\nThen they answer a listener\u2019s money question about when you might have too many credit cards \u2014 and what to do about it if you do.\xa0\nTo send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com.\nTimestamps:\nThis Week in Your Money segment: 0:00 - 12:33\xa0\nMoney Question segment: 12:35 - 35:17\nLike what you hear? Please leave us a review and tell a friend.