The IRS has payment plans if you can\u2019t pay what you owe on July 15. Also, the steps to building wealth are simple, even if they\u2019re not easy: spend less than you earn and save or invest the difference.\n\nAs always, send us 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.