The psychology of debt and when to refinance
b'On this episode, Sean and Liz discuss the psychology of credit card debt \\u2014 why some people see it as useful and others call it "evil." Then they answer a listener\'s question about whether now is a good time to refinance their home, even if they just got the mortgage last year.\\n\\nSend 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.'