Podcast:NerdWallet's Smart Money Podcast Published On: Mon May 31 2021 Description: On this episode, Sean and Liz discuss the psychology of credit card debt — 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, even if they just got the mortgage last year. Also, please fill out our survey: http://bit.ly/nerdwallet-podcast-survey Send us your money questions! Email podcast@nerdwallet.com or call or text the NerdHotline at 901-730-6373. And visit www.nerdwallet.com/podcast for more info.