It’s 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’t all they’re cracked up to be. And Liz shares her thoughts on how the credit bureaus can fix the way they handle your data.  Then they answer a listener’s money question about when you might have too many credit cards — and what to do about it if you do.  Also, we want to hear how your life — and your money — changed since the COVID pandemic began three years ago. Whether you bought a house, had a life changing epiphany or your life is more or less the same, share your story with us for an episode we're working on. Leave a voicemail or text Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend.