On this episode, Sean talks with mortgage writer Linda Bell about the legacy of redlining and the racial wealth gap. Then, Liz and Sean answer a listener's question about whether to pay off a car loan early \u2014 and the potential impact on their credit.\xa0\nTo have the Nerds answer your money questions, email podcast@nerdwallet.com\xa0or call or text the NerdHotline at 901-730-6373. And visit www.nerdwallet.com/podcast\xa0for more info on this episode.