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cover of episode Will New Tariffs and Tax Rules Cost You? (Plus: Travel Rewards & Roth IRA Tips)

Will New Tariffs and Tax Rules Cost You? (Plus: Travel Rewards & Roth IRA Tips)

2025/2/6
logo of podcast NerdWallet's Smart Money Podcast

NerdWallet's Smart Money Podcast

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A
Ana Helhoski
E
Elizabeth Ayoola
S
Sara Rathner
S
Sean Pyles
作为 NerdWallet 的《Smart Money》播客主播,Sean Pyles 提供了深入的财务和保险知识,帮助听众做出明智的财务决策。
Topics
Sean Pyles: 我将与Elizabeth Ayoola和Ana Helhoski一起讨论最新的财经新闻,包括特朗普政府实施的新的关税政策、联邦支出冻结以及消费者金融保护局(CFPB)的变动。这些政策变动都可能对消费者的财务状况产生重大影响。关税可能会导致商品价格上涨,而联邦支出冻结则可能影响到一些政府项目和社会福利。CFPB的变化也可能削弱消费者在金融领域的保护。 此外,我还将与Sara Rathner一起解答听众关于旅行信用卡和罗斯IRA的问题。我们将讨论如何选择合适的旅行信用卡以最大化奖励,以及如何开设和投资罗斯IRA账户。 总而言之,本期节目旨在帮助听众更好地理解最新的财经新闻,并提供一些实用的理财建议,以应对这些变化带来的挑战。 Elizabeth Ayoola: 我同意Sean的观点,最近的新闻确实令人眼花缭乱,而且很多新闻都与我们的财务息息相关。我们需要密切关注特朗普政府的政策变动,例如关税和联邦支出冻结,因为这些变动都可能对我们的日常生活和财务状况产生影响。 此外,我还将与Sean和Sara一起解答听众的疑问,帮助他们更好地理解旅行信用卡和罗斯IRA等理财工具。我们希望通过本期节目,帮助听众更好地管理自己的财务,并在复杂的经济环境中做出明智的决策。 Ana Helhoski: 我将详细解释特朗普政府最近实施的关税政策,以及这些政策可能对消费者和经济产生的影响。目前,已经实施了对所有中国商品征收10%的关税,而对墨西哥和加拿大商品的25%关税则被推迟。 关税的实施原因有很多,包括惩罚性措施和促进美国制造业回流。然而,关税通常会导致商品价格上涨,并且可能引发其他国家的报复性关税,最终损害消费者的利益。此外,我还将讨论联邦支出冻结的混乱局面以及它可能造成的法律和经济影响。 Sara Rathner: 我将与Sean一起解答听众关于旅行信用卡和罗斯IRA的问题。在旅行信用卡方面,我会分享我个人最喜欢的信用卡——Chase Sapphire Reserve,并解释其积分奖励计划和年费等细节。我会帮助听众了解如何选择最适合自己需求的旅行信用卡,并最大化其奖励价值。 在罗斯IRA方面,我会用通俗易懂的方式解释如何开设和投资罗斯IRA账户,并帮助听众了解不同类型的罗斯IRA账户以及投资策略。我会特别关注如何帮助听众避免常见的错误,并做出明智的投资决策。

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Shownotes Transcript

Get the latest on tariffs, federal spending and the CFPB shake-up — plus answers to your travel credit card and Roth IRA questions.

What tariffs has President Trump implemented? What’s the best travel credit card for earning rewards and perks? How do you open a Roth IRA and choose investments? Hosts Sean Pyles and Elizabeth Ayoola discuss the latest financial news, including new tariffs, federal spending changes, and what’s happening with the CFPB under the Trump administration. They begin with a discussion of how tariffs may raise prices for consumers, how government funding uncertainties could affect personal finances, and what to know about potential changes to financial protections. Then, host Sara Rathner joins Sean to answer a “lightning round” of listener questions, including questions about travel credit cards and Roth IRAs. They cover top travel credit cards and their perks, how to decide if a travel rewards card is right for you, and what to consider when opening a Roth IRA.

NerdWallet’s roundup of the best brokers for beginner investors: https://www.nerdwallet.com/best/investing/online-brokers-for-beginners

In their conversation, the Nerds discuss: best travel credit cards, how to open a Roth IRA, travel rewards cards, Roth IRA step-by-step, tariffs impact on prices, federal spending freeze, CFPB changes, financial protections, Chase Sapphire Reserve review, American Express Gold Card benefits, best credit card for travel perks, how to choose a credit card, travel credit card comparison, investment accounts for kids, best brokerage accounts, best 529 college savings plan, credit freeze explained, credit card points vs. cash back, pros and cons of travel credit cards, Roth IRA tax benefits, how to pick a Roth IRA provider, best robo-advisors for retirement, what is a custodial account, UTMA vs. 529 plan, how to invest for grandkids, personal finance news, money tips, financial literacy, best tax-advantaged accounts, step-by-step Roth IRA guide, best credit card welcome bonuses, tax implications of travel rewards, how tariffs affect your wallet, how to budget for travel, how to avoid credit card debt, and how to maximize credit card rewards.

To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]).

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