Learn why a 69-year-old retiree is returning to work and why homeowners are staying put in a stuck housing market.What happens when your nest egg doesn't grow fast enough to support your retirement? Hosts Sean Pyles, CFP®, and Elizabeth Ayoola talk with a 69-year-old listener who's returning to work after years of overly conservative investing left her savings falling behind. NerdWallet Wealth Partners CEO Ryan Sterling joins the conversation to help her think through how much investment risk to take at this stage, what required minimum distributions will mean for her taxes, and whether working even a little longer could change her outlook.Then: why does it feel so hard to find a home to buy right now? Senior news writer Anna Helhoski talks with NerdWallet mortgage writers Abby Badach Doyle and Kate Wood about why so many homeowners are choosing to stay put — and how that's limiting the number of homes on the market for everyone else.NerdWallet Wealth Partners, LLC is an affiliate of NerdWallet Inc. NerdWallet Wealth Partners is a fiduciary online financial advisor, offering low-cost, comprehensive financial advice and investment management. Learn more at nerdwalletwealthpartners.com/smart The NerdWallet Homebuying Climate Index tracks how favorable conditions are for home buyers each month: NerdWallet Homebuying Climate IndexSubscribe 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=headerSmart Money’s YouTube Channel: https://youtube.com/@nerdwalletsmartmoneyTo 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.*The show notes were created with the assistance of AI. They have been reviewed by our editorial team for accuracy and quality. Learn more about your ad choices. Visit megaphone.fm/adchoices