Your Next Money Move

In the wake of new Bitcoin ETFs being approved by the SEC and made accessible to investors, Trent and Derek discuss the pros and cons of investing in Bitcoin with these new options available.    Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn  

Starting a family is one of the biggest milestones in your life and comes with many changes. In this episode we cover the best ways to prepare your financial life for your new bundle of joy!   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn  

Paperwork may not be everyone's favorite topic, but when it comes to your personal finances, keeping organized records is an important piece of your financial health. Receipts, tax returns, estate documents… and more… Listen to figure out what needs to be kept, for how long, and the best way to stay organized.    Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Listen in as Trent and Derek talk about a Donor Advised Funds - a way to amplify your charitable giving power and reduce taxes at the same time.   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn    

If you're self-employed – or thinking about becoming self-employed – you may wonder how to pay yourself as a business owner. This week's episode covers the different types of business entities, why they matter for taxes, how to pay yourself when self-employed, and some tips and tricks for managing your business finances!   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Health Shares are an often less expensive alternative to health insurance, especially for people who are self-employed, but are they a good fit for you? In this episode, Trent and Derek discuss how Health Shares work, their pros and cons, and a few other alternatives to traditional health insurance.   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Once you have decided to start your investing journey, choosing your asset allocation is potentially one of the most important decisions you have to make. What you invest in and how your portfolio is allocated depends on numerous factors like your time horizon, specific goals, personal risk tolerance, and more! Listen in as the YNMM team breaks it down in this week's episode!   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Do you check on your portfolio every day? If so, you are likely causing yourself more stress than you need to! How often should you really be checking - the answer may surprise you. Take a dive into when and why you should (or shouldn't!) be checking your portfolio, and what to be looking for when you do.   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

This week, listen as Trent and Derek tackle the listener question “I have heard of asset location, but I am unsure of what exactly it is and if or how I should be doing it”. They talk through what exactly Asset Location is and how it relates to the various types of investment accounts and the tax implications of different investment types.    Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Short-term rentals are often touted as a quick and easy way to make "mailbox money". But do they live up to the hype in reality? Dive into the risks and benefits of short-term rentals in this episode, and see if they're a good fit for you! Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn  

Through 2022, the inflation rate was historically high, and IBonds were in all of the headlines. Now, as inflation rates have come down, the interest rate on IBonds is also coming down. Does this mean it is time to cash in your IBonds? Or is it best to keep holding on?    Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Celebrate one year of Your Next Money Move with us in this episode. Trent and Derek discuss what they have learned over the last year of talking money moves.   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Whether to save retirement dollars in a Roth or Traditional account - regardless if it is an IRA or 401k - is an age-old financial question. Making that decision can depend both on a few known factors such as your age, your retirement goals, and your income, along with a few unpredictable factors such as how tax brackets may change over time. Give this episode a listen to learn how to weigh each of those considerations and choose between Roth and Traditional retirement savings.    Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

With day technology gets more advanced - and unfortunately so do the cyber tricks and traps. Cyber security is an often overlooked piece of your financial picture. However, in reality, protecting yourself online is a critical piece of financial security, especially as more and more financial transactions occur over the web. Give this episode a listen to hear a few firsthand stories, learn what cyber scams may look like, and how to protect yourself in the cyber world.   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Having a well-funded checking account to cover your day-to-day expenses with remaining long-term savings in a savings account has long been the norm. However, with recent legislative and interest rate changes, that advice may soon become antiquated. Learn more about how the way you structure your daily banking may be due for an update.    Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Considering jumping on the options trading bandwagon? Find out what Trent and Derek think on this episode of Your Next Money Move.  Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn  

Do you know whether you have Uninsured Motorist Coverage with your car insurance? One of the lesser talked about insurance coverages, uninsured motorist coverage can be an important piece of managing risk in your life. In this episode, learn about how uninsured motorist insurance works, what it covers, and why 21 states find it worthwhile to require this insurance coverage.    Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Having the right life insurance is a key piece of a successful financial plan. However, it can be complicated navigating the various types of life insurance. In this week's episode, Trent and Derek discuss Whole Life Insurance. Listen in to hear about how Whole Life Insurance works, how exactly the cash value operates, how surrender charges come into play, and how to evaluate whether it is a good fit for you.    Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Financial concerns are a top source of disagreement in couples, so what kinds of conversations should you be having with a future (or current!) spouse? In this week's episode Trent and Derek dive into the world of financial conversations in relationships - listen in to hear about how to start money conversations, the types of questions to cover, ways to make those conversations easier and more productive, and more!   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

In this week's episode, Derek and Trent dive into the details of paying for college and how much is too much to borrow. 

Wondering how much to save for retirement? It's one of the most common financial questions out there. This week Trent and Derek break down the common rule of thumb around saving for retirement and the various reasons and ways you may want to adjust that to fit your own goals. Not at your ideal savings rate yet? Listen as they discuss the value of starting somewhere, and various ways to increase your savings rate to meet your goal.   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Think umbrellas just protect you from the weather? Think again! Tune into this week's episode on umbrella insurance coverage - learn what is and isn't covered by umbrella insurance, a few rules of thumb to calculate how much you need, where to get it, and how much you should expect to pay!   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

We decided to see what this A.I. hubbub was all about and asked it to write and record a short eposide for us, and here's what it came up with!

Ready for some new wheels? Needing (or wanting) a new car is a common situation, but do you know how to evaluate this everyday financial decision? Review a couple different rules of thumb for how to approach buying a new car, where this decision falls in the Your Next Money Move Map, discuss the tradeoffs of buying or leasing, and more on this week's episode.   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Given the rise in interest rates recently, increasing amounts of attention are being paid to bonds. In this episode Trent and Derek discuss the benefits and potential drawbacks of using bonds to hold extra cash today, related savings vehicles such as CDs, iBonds, and High Yield Savings Accounts, what inflation has to do with it all, and more.  Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Given that US stocks have outperformed overseas investments over the last decade, many people may wonder why they should bother having international investments in their portfolio. In this episode, join Trent and Derek as they give an overview of international investments. Listen as they dive into historical statistics, learn about ‘home team bias' and how benchmarks can help you evaluate international investments, and more!   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Worried about the bank failures in the headlines lately? In this week's episode, we break down the basics of keeping your assets and savings safe. Learn about the different types of insurance that may cover your assets and how they work, and why the type of financial institution and the type of account makes a difference. Plus, Derek and Trent offer a few tips about how to use this information when managing your own finances!   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Wondering about the pros and cons of filing for an extension? This episode is for you!   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Join us while Trent and Derek uncover the flaws of retirement calculators. They explain how these calculators give a false sense of precision and the impact of "garbage in, garbage out." They highlight the wide range of possible outcomes not included in the calculations, and the importance of being aware of life changes that can impact retirement plans. The duo also shares their own experiences with outdated retirement plans and the importance of adjusting to inflation assumptions. Tune in for a thought-provoking take on retirement planning!   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

In this episode, we're diving into the topic of government debt and the impact it has on the stock market. Join us as we explore the staggering numbers behind the US government's debt, who the debt is owed to, and the implications of default. We also discuss the historical performance of high debt countries' stock markets and offer practical advice on how to navigate this complex financial landscape. Tune in for more!   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

In this episode of Your Next Money Move, Trent and Derek tackle the question, "When is the best time to file for social security?". They explain the filing age range and the impact waiting has on your monthly check. They also touch on the importance of considering your current financial needs and health when making the decision. The duo covers why delaying can be a form of old age insurance and where the ‘break-even point' is when doing your calculations. They also address concerns about the health of the social security system and the benefit of having an advisor to optimize your decision. Tune in for a thorough and informative discussion on the ins and outs of filing for social security.   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

In this episode of Your Next Money Move, Trent and Derek tackle the age-old question: "How high should I set my car insurance deductible?" They break down the basics like how deductibles impact premiums, the importance of an emergency fund, and the benefits of not filing claims. They also tackle the overconfidence bias and the notion that insurance is a bet, and apply those same principles to other types of insurance like health and disability. Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

A Health Savings Account doesn't sound very much like a retirement account… but could it be used that way? With their unique triple tax advantage, Health Savings Accounts can be a powerful tool, but they also have quite a few special rules on how they can be used. In this episode, Trent and Derek dive into how HSA's work, if you qualify, and how they can be used in your retirement plan.    Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Having financial goals is great! Having to balance those financial goals can be difficult. Oftentimes, parents wonder how to balance saving for their children's education while saving for their own retirement. Check out this week's episode to learn how to balance those goals best, what types of accounts can be helpful for those goals, and more about the cost of college over time.    Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Everyone wants to pay less taxes… but how do you do that? This week Trent and Derek tackle above-the-line deductions and how they can help you save money on taxes. Hear about how above-the-line deductions work, listen to the most popular deductions, and learn how they can help you save on your taxes! Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

There's a lot of options out there when considering a credit card, and they're constantly increasing. So… what should you look for when choosing a credit card? Listen in to hear about the benefits to consider when choosing a card, hear more about the best ways to use credit cards, and the tricks and traps to watch out for! Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Join us as we tackle our first listener question of the year – “When is it a good idea to contribute to my Roth 401k?” Are you also curious about the differences between Roth and Traditional retirement accounts, and how to utilize them in your planning? Give this episode a listen to hear Trent and Derek chat about the various factors to consider when deciding to contribute to your Roth 401k! Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn  

The beginning of a new year means it's the time of year for… new year's resolutions! Do any of yours have to do with money?   Whether you have money resolutions on your list this year or not, start the year off right and hear about four of the most valuable money resolutions out there. Plus, Trent and Derek dive into the best ways to accomplish those resolutions so that this time next year you can say that you've checked them off!   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

We've all heard the phrase “money can't buy happiness”... but maybe there's more to it than that? This week Trent and Derek dive into the research behind money and happiness. Hold on, because you're about to learn how your satisfaction in life is impacted by the way you spend your money and time.  They also provide a few great book suggestions in this episode! Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

The end of the year can get busy quickly. Before you start wrapping presents and getting ready for holiday celebrations, have you done everything you should to wrap up your financial year? In this episode, listen to a list of possible financial moves you might want to make before the end of the year and how they can help! Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Are stocks paying high dividends a better investment?  Take a deep dive into this listener question in this week's episode - learn about what a dividend is, how dividend paying stocks work, and listen to Trent and Derek discuss the ways that dividends impact your portfolio's diversification, tax efficiency, and more! Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

In this week's mini episode Trent talks about one of the financial habits he sees frequently with clients…learn what “Should-ing on yourself” means in your financial life. Hear a few good book suggestions, and listen to some ways to make “eating your financial vegetables” a lot more palatable.   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Is it risky to invest with a recession on the horizon? Trent and Derek do a deep dive into this question in this episode…  learn more about how a recession is defined, showcase historical recessions and how the market acted during those, and highlight that the stock market isn't a gauge of the economy, it's a gauge of expectations of the future! Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Is all that glitter actually gold? The question of the week is “Will gold help protect my portfolio from a downturn?”. Tune in to hear Derek and Trent discuss investing in gold, what behavior bias and recency bias have to do with the question, and more!   Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Searches for ‘housing crash' are at an all time high - many people are wondering about whether increasing interest rates will cause a housing market crash.   This week Trent and Derek tackle that question. Listen in as they chat about periods of high interest rates in the past, what is different between previous housing market crashes and today… and more! Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

This week we tackle a popular question - does an emergency fund need to be kept in all cash? Creating an emergency fund is an important step on the Your Next Money Move Map. Now, Trent and Derek discuss what that really looks like in practice. Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

In this episode of Your Next Money Move we discuss the biggest, most common money mistakes people make. Not to worry, they can all be avoided! Tune in to learn about the biggest money mistakes we see, and also hear Trent and Derek talk about money mistakes they have lived and learned from! Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

So you've started saving for a down payment... but where should you keep that money? Today we tackle the question "Where should I invest my down payment savings?". Trent and Derek discuss the various places you can save and invest, how they work with different timelines and levels of flexibility, and the pros and cons of each option. Give this episode a listen to hear a great conversation about a popular question! Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Are you putting relationships, friendships, and Thanksgiving dinners at risk if you loan money to friends or family? Welcome back to another episode of Your Next Money Move! Today we chat about loaning money to friends or family, why it might not be a good idea, the importance of setting specific terms, tax implications, and more. Don't miss out on a great and practical conversation. Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn Links Mentioned in Today's Episode: Wall Street Journal Article

Welcome to another episode of Your Next Money Move! Have you ever wondered how to deal with the unpredictable nature of interest rates when borrowing, saving, or investing money? Today we are going to teach you how to prepare for rising interest rates and help you eradicate the inhibitor that is fear from your next money move! Tuning in, you'll hear all about why interest rates fluctuate, how they affect lenders, savers, and investors. We also provide tips for saving during rising interest rates before discussing the importance of keeping money aside for emergencies. We even delve into how life expectancy plays a role in financial planning. You don't want to miss out on this one! Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Instagram Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

Should I Wait for the Economy To Improve To Buy a Home? Is there a right time to buy a home? Trent and Derek are here to give their educated opinions, personal experiences, and their rules of thumb to help you decide if now is the right time. While discussing the conventional rules of buying a home, Trent and Derek piece together all the parts of buying a home you may not understand: downpayment, PMI (private mortgage insurance), escrow, and how it all relates to your gross income. From getting rid of your variable debt, understanding your credit score, the renting to buying ratio, and why you should use a buyers agent, you'll have all your potential questions answered. Key Points From This Episode: A look at studies relating to happiness. Should I buy a home? There is no set yes or no answer. What you need to ensure you are financially covered.  The importance of having a cash reserve. What percentages to expect: downpayment, inflation, and insurance. How to manage your PMI. Derek explains some of his favorite ways to crunch numbers. Why you should be on the fence when buying a home. How to understand your credit score. How to handle advice from mortgage brokers and realtors.  Why you need a buyer's agent.  Renting versus buying.  Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn Links Mentioned in Today's Episode: Stumbling on Happiness