Learn what's in a rare bipartisan housing bill in Congress, then find out whether a credit card payment plan beats buy now, pay later.Why did a housing bill with overwhelming bipartisan support suddenly stall on the president's desk? Hosts Sean Pyles, CFP©, and Elizabeth Ayoola are joined by senior news writer Anna Helhoski, and mortgage writers Abby Badach Doyle and Kate Wood to unpack the 21st Century ROAD to Housing Act. It’s a nearly 400-page bill designed to ease the national housing shortage by cutting federal red tape around permitting, expanding small-dollar mortgages, limiting large institutional investors from buying more single-family homes, and creating incentives — not mandates — for local governments to build more housing, including manufactured homes and accessory dwelling units.Then, Sean and Elizabeth are joined by credit cards Nerd and NerdWallet spokesperson Sara Rathner to help a listener named Emma decide how to pay off a large purchase without draining her savings. They walk through how to compare the fees on a credit card issuer's payment plan against your card's regular APR, how these plans differ from third-party buy now, pay later services, and whether either option can help — or hurt — your credit score.Locked Out: 3 Outdated Myths About Manufactured Homes: https://www.nerdwallet.com/mortgages/news/locked-out-manufactured-homes-affordable-housing-crisisBest 0% APR Credit Cards of July 2026: https://www.nerdwallet.com/credit-cards/best/zero-percentSubscribe to our podcast's free email newsletter for bonus content and more from our hosts at https://smartmoney-nerdwallet.beehiiv.com/Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=headerTo send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected].Like what you hear? Please leave us a review and tell a friend.Learn more about your ad choices. Visit megaphone.fm/adchoices