Podcast appearances and mentions of daniel crosby

Tune in to hear:What novel approach did Hungarian Mathematician Abraham Wald utilize to better understand which parts of American planes needed improved armor during WWII?What is “survivorship bias” and how did Abraham Wald avoid this?Why does professor Scott Galloway suggest that we should follow our talent, or gift, rather than our passion?What are the key differences between a fixed mindset and a growth mindset and what do life's outcomes for each mindset look like, on average?Why is effort more predictive of success in romantic relationships than passion?Why do we tend to lose intrinsic motivation, or passion, for tasks for which there is an extrinsic reward like a paycheck?LinksThe Soul of WealthOrion's Market Volatility PortalConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code:

In this enlightening episode, we tackle the often overlooked mental shift required in retirement: transitioning from a saver to a spender. Join us as we revisit a compelling conversation with Dr. Daniel Crosby, Chief Behavioral Officer at Orion Advisory Services. We'll explore the psychological barriers many face in letting go of frugality and how to embrace the resources they've accumulated to enhance their lives. Discover practical strategies to gain confidence in spending, overcome the fear of uncertainty, and ultimately, live a fulfilling retirement without the regret of dying with too much money. Tune in for insights that could transform your approach to retirement!*This episode originally aired March 20, 2024OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN[00:30] Overcoming frugality is a major crisis for many in retirementINTERVIEW WITH DAN CROSBY[01:19] Roger introduces Daniel Crosby.[02:50] How do we overcome frugality?[04:30] There are a lot of behavioral things that change when you leave full-time work.[09:45] How to gain confidence in the midst of uncertainty.[17:22] People are wired to avoid regret.[18:01] What are some basic things people can do to overcome frugality?[22:16] You can't undo 40 years of programming in 4 minutes- experiment with behavior and small commitments.TODAY'S SMART SPRINT SEGMENT[25:15] In the next seven days, I challenge you to examine your retirement plan and ask yourself- is there something else I should add that's important to my life?RESOURCESBOOK - The Soul of Wealth by Dan CrosbyBOOK - The Top 5 Regrets of the Dying by Bronnie WareBOOK - Die with Nothing by Bill PerkinsRock Retirement ClubFOLLOW US ON SOCIALSFollow Us on Facebook!Follow Us on Instagram

Tune in to hear:What can we learn from Leonardo da Vinci about harnessing curiosity to fill our lives with purpose?Why does science writer Sharon Begley think that curiosity is the mental counterpart to physical hunger?What is an example of how curiosity is hardwired into our genetic makeup?What can “convergent” and “divergent” ways of thinking tell us about why creativity must be actively cultivated to avoid squelching it?What did author Susan Engle discover about how curiosity steadily diminishes throughout grade school if it's not actively attended to?How is curiosity correlated to longevity, if at all?What are some actionable ways we can cultivate creativity in our daily lives?LinksThe Soul of WealthOrion's Market Volatility PortalConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code:

I'm delighted to welcome back repeat guest, and one of the worlds leading lights in the field of behavioural finance - Dr Daniel Crosby. Daniel has a new book out, which I highly recommend, called The Soul of Wealth, and having read and enjoyed it, I asked Daniel to come and talk about it. It's a deeply practical book - not just theory or stats - and today I'm going to chat to Daniel to walk us through just a few of the concepts he covers. Shownotes: https://meaningfulmoney.tv/session582 Book: The Soul Of Wealth - Amazon *Affiliate  Formats: Paperback, Kindle, Audiobook

Books to improve your finances. The first one is about what it means to be wealthy. Daniel Crosby, psychologist and behavioral finance expert, will be here to talk about his book The Soul of Wealth. Then, a new financial literacy book for kids. Author Cinders McLeod takes us through the latest book in the MONEYBUNNY series called How Do YOU Spend? And, twenty lessons from retirement thought leaders. Christine Benz tells us about her book How to Retire. Plus, we speak with Daryl Fairweather, Chief Economist at Redfin, about her new book called Hate the Game: Economic Cheat Codes for Life, Love, and Work.  To find out more about the guests check out: Daniel Crosby: X | LinkedIn Daryl Fairweather:Linktree Cinders McLeod:Instagram | X Moneybunny:Instagram | X | Facebook Christine Benz:morningstar.com | X | LinkedIn Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Research shows that money activates more areas of the brain than sex, death, politics, or religion.  By Rory Henry CFP®, BFA™For CPA TrendlinesA recent McKinsey study found that the demand for holistic financial advice increased 60% from 2018 to 2023. Meanwhile, another McKinsey study projected a shortage of 100,000 financial advisors by 2034. That gap is leaving a massive opportunity for CPAs to step up as holistic advisors.  MORE Rory Henry and The Holistic Guide to Wealth Management BUY the Holistic Guide to Wealth Management A recent Holistic Guide to Wealth Management book panel discussion with two industry luminaries showed that CPAs who are in the best position to thrive as holistic advisors are those who use technology to deliver deeper planning and relationship-driven advice. “Traditional econometric models were all predicated on this idea that people were rational,” noted psychologist, author, and behavioral finance expert, Dr. Daniel Crosby. “What we actually know is that it is perhaps least true of us when it comes to money.”  

Dr. Daniel Crosby is a psychologist, behavioral finance expert, and New York Times bestselling author. His works, The Laws of Wealth and The Behavioral Investor have transformed how we think about investing by shedding light on the emotional and cognitive biases that often shape our financial behavior. He also serves as Chief Behavioral Officer at Orion Advisor Solutions, guiding advisors in helping clients align their investments with what matters to them.Today, Daniel is here to discuss his latest book, The Soul of Wealth: 50 Reflections on Money and Meaning. This book challenges the conventional approach to wealth by diving into its emotional dimensions. It explores how financial well-being is not just about accumulation but also about aligning money with personal values and meaning. Daniel encourages us to reflect deeply on what it means to live a wealthy life—not just financially but emotionally and spiritually.

In this episode we explore one big long answer to an email from Bob about why people refuse to spend money in retirement despite having more than adequate resources.  We touch on the math and psychology of the Possibility Effect and how to use Base Rates to overcome that, what the numbers say you really should be afraid of, how to break down expenses to alleviate fears and the real underlying problem in many cases, which is not fear, but personal identity rooted in "Frugality Inertia."And THEN we our go through our weekly and monthly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Books Referenced:"The Top Five Regrets of the Dying" by Bronnie Ware"Falling Upward" by Richard Rohr"Strength to Strength" and "Build The Life You Want" by Arthur Brooks"The Second Mountain" by David Brooks"The Soul of Wealth" by Daniel Crosby"The Art of Spending Money" by Morgan Housel"Die With Zero" by Bill PerkinsAdditional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterMorgan Housel Podcast:  The Morgan Housel Podcast, Episode 1: The Art of Spending MoneyNarrative Psychology:  How to tell stories that give you meaning | Jane Goodall, Terry Crews & Dan McAdamsChooseFI Pod #508:  508 | 5% SWR, Revealed Preferences, and the 3 Stories | Frank VasquezFour Idols Video:  https://tinyurl.com/4vua3eb2 Satisficing:  Satisficing - WikipediaBreathless AI-Bot Summary:This episode tackles the psychology behind the "golden coffin" phenomenon – wealthy retirees who maintain sub 3% withdrawal rates, essentially ensuring they'll die with maximum assets. While justified as prudent planning, the real barriers to enjoying retirement wealth are more complex and fascinating.We dive into cognitive science, exploring how the "possibility effect" (identified by Kahneman and Tversky) distorts our risk perception. Your brain amplifies the tiny probability of running out of money while downplaying the vastly higher probability of running out of time. A 55-year-old man has an 11.3% chance of dying within 10 years – yet many obsess over financial scenarios with less than 1% probability of occurring.Beyond cognitive biases lies an identity crisis. Many successful investors have spent decades defining themselves through wealth accumulation. This "frugality inertia" becomes so embedded in self-image that spending feels wrong, even when mathematically sound. The financial services industry exploits these fears, selling products that promise impossible certainties while encouraging hoarding behaviors.The solution? Reframing retirement spending around four evidence-based wellbeing categories: relationships, experiences, work avoidance (paying for freedom from tedious tasks), and giving. These categories reliably generate happiness returns far superior to watching account balances grow. For those struggling to make this psychological transition, books like "Falling Upward" (Rohr), "Strength to Strength" (Brooks), and "The Soul of Wealth" (Crosby) provide frameworks for evolving beyond accumulation as life purpose.What retirement story are you living? The miser who dies rich but unfulfilled, or the transformed Scrooge who discovers generosity's joy? The choice defines not just your retirement, but your legacy.Support the show

Tune in to hear:What are anti-goals and why are they often just as, if not more, powerful than goals?What does the prospect theory of behavioral economics have to say about the uniquely motivating power of a villain?Why do humans have asymmetrical risk preferences and what does this reveal about human nature?What did famous investor Charlie Munger mean by his famous quote “invert, always invert?”What is the Stoic exercise of “Premitatio Malorum” and how can it be used in everyday life?LinksThe Soul of WealthOrion's Market Volatility PortalConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 1754-U-25176

Tune in to hear:What did author Steven Pressfield have to say about resistance?What are “circular techniques” in Martial Arts and what can they teach us about the power of rolling with resistance?What was the “salt march” that Gandhi led and what does it illustrate about the power of resistance?What is the “Acceptance and Commitment Therapy” methodology that psychologist Dr. Steven C. Hayes invented?What did Steven C. Hayes mean by “self-as-context” and what should we take away from this perspective?LinksThe Soul of WealthOrion's Market Volatility PortalConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code:

In this week's podcast I chat with Dr. Daniel Crosby. He discusses the evolution of behavioral finance over the past eight years, reflecting on the growing acceptance and understanding of the field. He shares insights from his latest book, 'The Soul of Wealth,' emphasising the importance of health, happiness, and meaningful spending. The discussion also covers the role of community in financial behavior, the impact of delayed gratification, and the future of wealth management in an AI-driven world. Crosby highlights the necessity of practical applications in financial education and the importance of understanding one's relationship with money. Dr. Daniel Crosby is a psychologist, author, behavioral finance expert and asset manager who applies his study of market psychology to everything from financial product design to security selection. Key takeaways Behavioral finance has gained significant traction in the last eight years. Investors today are better educated and more disciplined than in the past. The focus of behavioral finance is shifting from avoiding mistakes to enhancing well-being. Health is a crucial component of wealth and happiness. Experiences often bring more joy than material possessions. Delayed gratification is a powerful tool for achieving long-term goals. Community and social connections enhance financial well-being. AI will play a significant role in the future of wealth management. Practical applications of financial wisdom are essential for real change. Creativity is vital for personal and professional growth. I hope it helps! The Soul of Wealth: 50 reflections on money and meaning Daniel's Linkedin Disclaimer

開盤前30分鐘，08:30 - 09:00 讓我們一起解讀財經時事 。 參加財經皓角總經訂閱： 新友會員 https://jackalopelin.com 老友會員 https://yutinghao.finance 我的粉絲專頁 https://reurl.cc/n563rd 網站參加會員手冊 https://reurl.cc/rvvqAr 如有疑問，歡迎來信 jackieyutw@gmail.com """"" ♥️ 打賞網址 ：https://p.ecpay.com.tw/B83478D """"" (不提供退款服務) 書名：財富的靈魂 作者： 丹尼爾．克羅斯比 原文作者： Daniel Crosby 譯者： 卓妙容 出版社：天下文化 出版日期：2025/06/06 https://reurl.cc/nm9Mqv (YT抽書的朋友要公開訂閱我們財經皓角頻道唷♥️) (FB抽書的朋友要公開分享直播影片+您想要抽書留言♥️) 書名：投資守則第一條 作者： 菲爾．湯恩 原文作者： Phil Town 譯者： 龐元媛 出版社：奇光出版 出版日期：2025/05/07 https://reurl.cc/7Kgq4l (YT抽書的朋友要公開訂閱我們財經皓角頻道唷♥️) (FB抽書的朋友要公開分享直播影片+您想要抽書留言♥️) 《早晨財經速解讀》是游庭皓的個人知識節目，針對財經時事做最新解讀，開播於2019年7月15日，每日開盤前半小時準時直播。議題從總體經濟、產業動態到投資哲學，信息量飽滿，為你顛覆直覺，清理投資誤區，用更寬廣的角度帶你一窺投資的奧秘。 免責聲明：《游庭皓的財經皓角》頻道為學習型頻道，僅用於教育與娛樂目的，無任何證券之買賣建議。任何形式的投資皆涉及風險，投資者需進行自己的研究，持盈保泰。

Tune in to hear:What is “The Story of the Chinese Farmer” by Alan Watts and what can it teach us about embracing uncertainty?Why are humans so hardwired to fear uncertainty and how can we override this natural tendency and embrace it?Why do some psychologists believe that ambiguity aversion is the one fear to rule them all?How can uncertainty stimulate heightened learning?What did the poet Rainer Maria Rilke have to say about embracing uncertainty?LinksThe Soul of WealthOrion's Market Volatility PortalConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code:

Orion's chief behavioral officer discusses how advisors can guide clients through fear, bias, and emotionally charged decisions. Host: Steve Sanduski, CFP. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tune in to hear:What is the “drown proofing” technique, often taught to Navy Seals, and what is a takeaway from it that can be applied in our daily lives?What is Alan Watts' “backward law,” or “the law of reversed effect?”What is the psychological phenomenon of pareidolia and what can it teach us about our collective search for meaning?What are some philosophical examples of how meaning often ensues in our lives?What can we learn from Vietnam's “Great Hanoi Rat Massacre?”LinksThe Soul of WealthOrion's Market Volatility PortalConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code:

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠ speak with Daniel Crosby about his book, The Soul of Wealth. Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠https://www.idontshop.com⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

We talk to Daniel Crosby, author of The Soul of Wealth, about the wallet-body connection. How does our health effect or wealth and vice versa. Daniel backs up his novel opinions with the research. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tune in to hear:What can Queen Elizabeth I, of England, teach us about the power of saying “no?”Why is saying “no” just as important, if not more important, than saying “yes” in our journey towards a purposeful life?What can be our guidepost when deciding when to say “yes” and when to say “no?”How does living a purposeful life improve decision-making behavior going forward?What 3-step process does Oliver Burkeman lay out for saying “yes” to our highest purpose and saying “no” to things that do not serve it?LinksThe Soul of WealthOrion's Market Volatility PortalConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 1563-U-25155

Being great at investing is one thing but if no one knows about you or what you stand for, good luck growing your fund. It might sound harsh, but it's true. In today's world, attention is the new currency and you can't afford to ignore it.That's why today, Stacy is bringing her friend Dr. Daniel Crosby back on the mic for a very special 100th episode of Billion Dollar Backstory. They're picking up right where they left off in their “Scientist & The Storyteller” series.Together, they're digging into why every company today is a media company (yep, even yours) and why building a brand that feels real and relatable isn't just a nice-to-have anymore.They're also covering:  How to build a brand that's real, relatable, and doesn't feel like a facadeWhy being a thought leader matters (even if you'd rather be investing)The hidden costs (and upsides) of the attention economyThe big reason why so many fund managers struggle to stand out and how to change thatMore About Dr. Daniel Crosby Dr. Daniel Crosby is a psychologist and behavioral finance expert who helps organizations understand the intersection of mind and markets. Dr. Crosby's first book, Personal Benchmark: Integrating Behavioral Finance and Investment Management, was a New York Times bestseller. His second book, The Laws of Wealth, was named the best investment book of 2017 by the Axiom Business Book Awards and has been translated into 17 languages. His third book, The Behavioral Investor, was Axiom's best investment book of 2019 and is a comprehensive look at the neurology, physiology and psychology of sound financial decision-making. His latest book, The Soul of Wealth, was published in October of 2024 and has already been translated into five languages. When he's not decoding market psychology, Daniel is a father of 3, a fanatical follower of the St. Louis Cardinals, an explorer of the American South, and an amateur hot sauce chef. Want More Help With Storytelling? +  Subscribe to my newsletter to get a weekly email that helps you use your words to power your growth:https://www.stacyhavener.com/subscribe   - - -Make The Boutique Investment Collective part of your Billion Dollar Backstory. Gain access to invaluable resources, expert coaches, and a supportive community of other boutique founders, fund managers, and investment pros. Join Havener Capital's exclusive membership - - -Make The Boutique Investment Collective part of your Billion Dollar Backstory. Gain access to invaluable resources, expert coaches, and a supportive community of other boutique founders, fund managers, and investment pros. Join Havener Capital's exclusive membership

In this episode, DPL Founder and CEO, David Lau, talks with Daniel Crosby, Chief Behavioral Officer at Orion Advisor Solutions. They discuss the psychological drivers behind investor behavior, common mental pitfalls that can lead to costly mistakes, and the practical framework advisors can use to build resilient client portfolios. From Orion's popular Protect, Live, Dream platform to the four meta-biases that influence people's decisions and actions, Daniel explains how advisors can proactively support clients through volatility and why financial advising is just as much about managing emotions as managing wealth. Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.

Tune in to hear:What is facticity and how can we turn these “limitations” into strengths?What are some historical examples of people who used their limitations to do, or create, something remarkable?What is Sheena Iyengar's “jam study” and what are its implications for decision making and behavioral science?Why are constraints such an important element of creativity?LinksThe Soul of WealthOrion's Market Volatility PortalConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code:

Understanding human behavior is key to financial success, both for advisors and their clients. In this episode, Daniel Crosby, a psychologist turned behavioral finance expert, dives deep into why traditional goal-setting often falls short and how to create meaningful, lasting change. If you've ever wondered why clients set arbitrary financial goals—or why sticking to your own habits is so hard—this conversation is for you!What you'll learn in this episode:Why most financial goals are based on social influence, not personal valuesHow to help clients set goals that actually resonate with themThe science behind forming long-term habits and staying committedWhy rules and automation are more effective than willpower aloneHow social accountability can dramatically improve financial decisionsSo many advisors focus on the numbers, but real success comes from understanding the psychology behind money decisions. Tune in for actionable strategies that will transform how you and your clients approach financial planning!

Tune in to hear:What is the idea of Lindy's Law, also known as The Lindy Effect? What is statistician Nassim Nicholas Taleb's unique take on this?How has an acceptance of our finitude been expressed, and even celebrated, by cultures all over the world?What is the Zen Buddhist concept of “Satori” and what can we learn from it?LinksThe Soul of WealthConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code:

Tune in to hear:What were some of the catalysts for The Great Chinese Famine and what does this teach us about unintended consequences?What did Nietzsche have to say about the important role suffering plays in our lives and personal growth?What is congenital analgesia and what does it teach us about the protective role of pain?Why do some scientists believe depression plays an important evolutionary role and what role might it play?What is post-traumatic growth?LinksThe Soul of WealthConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code:

Tune in to hear:What can Miss Havisham, the Charles Dickens' character, teach us about the dangers of fleeing our pain?How is Miss Havisham, on some fundamental level, a potent metaphor for our own lives?What does Dr. Crosby mean by “emotional graying” and why are its effects so insidious?What did author Khalil Gibran have to say about why running from pain can also mean running from joy?Why do vulnerability and greatness often go hand-in-hand?LinksThe Soul of WealthConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0988-U-25094

Tune in to hear:Why should we take heed of our internal anxiety that expresses that something is not quite right in our lives?Why do Existential Philosophers think of anxiety as a potential catalyst for personal growth rather than a hindrance?How can passion help us give our anxiety form and function?How did the philosopher Heidegger think about anxiety's role in our lives?How does Albert Camus relate anxiety to one's sense of the weariness of life?LinksThe Soul of WealthConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0983-U-25093

In this episode of Retire With Style, Dr. Wade Pfau and Dr. Alex Murguia are joined by behavioral finance expert Dr. Daniel Crosby to explore the intersection of wealth, values, and happiness in retirement. Together, they unpack why aligning your spending with your personal values can lead to a more fulfilling life—and how money, when used thoughtfully, can buy happiness. The conversation dives into the psychology of financial decision-making, the role of willpower, and why experiences and time often bring more joy than material possessions. They also examine how our values evolve over time, the importance of delayed gratification, and how understanding risk more deeply can lead to better financial planning. Ultimately, this episode reframes wealth not just as a number—but as a tool for building a meaningful and purpose-driven retirement. Listen now to learn more!   Takeaways: Aligning spending with personal values is essential for a fulfilling and meaningful life. Money reflects what we value most—and using it to buy time and experiences often brings greater happiness than material goods. Strong relationships and shared experiences are more important to long-term happiness than income alone. Retirement is a transition, not just an end goal. Planning should include emotional and psychological readiness—not just finances. Many people are unprepared for the emotional complexity of retirement, including the challenge of redefining purpose. While income matters up to a point, happiness largely depends on subjective factors—and some people may remain dissatisfied regardless of wealth. Investing in relationships and purpose-driven goals is key to long-term well-being. Values may stay the same over time, but how we express them can evolve. Willpower is less about discipline and more about building habits and making poor choices harder to access. Delayed gratification is a powerful tool for achieving long-term satisfaction. Fear of failure can hold us back—and often becomes a self-fulfilling prophecy. A great advisor doesn't just manage money—they help clients align their finances with their life goals. True wealth lies at the intersection of financial security and personal meaning. Chapters 00:00 Introduction to The Soul of Wealth 01:20 Contextualizing Wealth and Values 06:22 The Psychology of Spending and Happiness 10:01 Money, Happiness, and Subjective Well-Being 14:15 Buying Time and Freedom 20:14 Retirement: Beyond Leisure and Fun 24:22 The Freedom to Choose: Beyond Escape 25:04 Aligning Spending with Values 26:06 Crafting a Meaningful Financial Plan 27:38 Elevating the Client Experience 29:27 The Dynamic Nature of Values 30:54 Willpower: The Key to Financial Discipline 33:12 Mastering Delayed Gratification 39:12 Understanding Risk in Financial Planning 45:56 Money and Meaning: A Life of Significance   Links Visit your preferred book retailer to get your own copy of “The Soul of Wealth: 50 Reflections on Money and Meaning”  by Dr. Daniel Crosby or click here to purchase from Amazon: https://retirement-researcher.ontralink.com/tl/532 Want more of this kind of insight? The Retirement Researcher Academy is where conversations like these keep going. Visit RetirementResearcher.com/Academy-RWS  and use code RWS1 to get the 1st Month of your Monthly Academy subscription on us!

Tune in to hear:What is Joseph Campbell's Monomyth, or Hero's Journey, and how does Lord of the Rings exemplify this?How might a “call to adventure” crop up in our own lives and why is it so important to answer them some of the time?Why can striving and searching for a more meaningful life be so painful? How is this pain directly proportional to our potential?Why did Kierkegaard mean by the quote: “anxiety is freedom's possibility?”LinksThe Soul of WealthConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0982-U-25093

In this episode of Retire with Style, Wade Pfau and Alex Murguia sit down with Dr. Daniel Crosby, a leading voice in behavioral finance, to unpack the psychological side of investing in today's volatile markets. Together, they examine how market swings and media noise shape investor behavior—and why having a thoughtful media diet and disciplined decision-making framework is more important than ever. This conversation lays the foundation for next week's episode, where the discussion will shift toward deeper questions of wealth and meaning. Listen now to learn more! Takeaways Market volatility can trigger anxiety—even among professionals. It's normal to feel fear during downturns, but those emotions don't have to drive your decisions. Limiting exposure to financial news may help you stay focused and make better choices. Recognizing the incentives behind financial media can help you consume it more critically. More information isn't always better—clarity often comes from less, not more. Patience matters. Reminding yourself that “this too shall pass” can be grounding. Uncertainty often causes more stress than bad news itself. Taking time to reflect before acting can lead to better financial outcomes. We tend to give others better advice than we give ourselves—pause and consider what you'd tell a friend. Automation and structured plans are powerful tools to reduce emotional decision-making. Chapters 00:00 Introduction to Behavioral Finance and Market Volatility 02:56 Understanding Market Reactions and Investor Psychology 06:01 The Impact of Media on Financial Decision Making 08:47 Navigating Uncertainty in Financial Markets 12:05 The Importance of Patience and Discipline in Investing 15:03 Frameworks for Better Financial Decision Making 17:55 Conclusion and Transition to The Soul of Wealth Links Click here to watch this episode on YouTube: https://youtu.be/6pMFE_-u0YM The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”

Andy Hill sits down with Dr. Daniel Crosby—renowned psychologist, behavioral finance expert, and author of Soul of Wealth—to explore the true meaning of wealth beyond money. Dr. Crosby breaks down why financial success alone won't bring happiness and how our beliefs, relationships, and personal growth play a crucial role in our well-being. He shares fascinating insights on why some of the wealthiest people still feel unfulfilled, the psychological traps we fall into when chasing money, and practical ways to balance financial goals with a meaningful life. If you're striving for financial success but don't want to lose sight of what truly matters, this conversation is a must-listen. Listen now to redefine your wealth and purpose! #Wealth #DrDanielCrosby #MoneyMindset #FinancialWellness RESOURCES: Sponsors + Partners + Deals The Soul of Wealth (book): https://amzn.to/3FcQh6K (affiliate) EPISODE CHAPTERS: 00:00 – Introduction to the Episode 01:02 – Why Do We Believe Money Will Make Us Happy? 03:01 – How Money Can Buy Happiness (But Only to a Point) 07:07 – Dr. Daniel Crosby's Personal Struggle with Money vs. Meaning 08:40 – The Five Pillars of Happiness and Where Money Fits In 11:49 – How to Find Balance Between Wealth and Purpose 12:14 – The Three B's of Meaning: Believing, Belonging, and Becoming 17:41 – Teaching Kids About Wealth and Meaning 20:58 – The Reality of Generational Wealth 24:19 – One Actionable Step to Prioritize Meaning Alongside Wealth 25:08 – Where to Find Dr. Daniel Crosby and Soul of Wealth GUEST BIO - Dr. Daniel Crosby: Dr. Daniel Crosby is a psychologist and behavioral finance expert who helps organizations understand the intersection of mind and markets. Dr. Crosby's first book, Personal Benchmark: Integrating Behavioral Finance and Investment Management, was a New York Times bestseller. His second book, The Laws of Wealth, was named the best investment book of 2017 by the Axiom Business Book Awards and has been translated into 14 languages. His third book, The Behavioral Investor, was Axiom's best investment book of 2019 and is a comprehensive look at the neurology, physiology and psychology of sound financial decision-making. His latest book, The Soul of Wealth, is an exploration of money and meaning. When he's not decoding market psychology, Daniel is a father of 3, a fanatical follower of the St. Louis Cardinals, an explorer of the American South, and an amateur hot sauce chef. MKM RESOURCES: MKM Coaching: Want 1-on-1 support with your family finance journey? Book a time with me today. Make My Kid a Millionaire Course: Want to build generational wealth and happiness for your kid? Learn more about my course! Coast FIRE Calculator: A free calculator to help you find out when you can slow down or stop investing for retirement. Mortgage Payoff Calculator: A free calculator to help you see how fast you can become mortgage free. YouTube: Subscribe for free to watch videos of these episodes and interviews. RECOMMENDED RESOURCES (SPONSORS AND AFFILIATES): Monarch Money - Best Budget App for Families & Couples Empower - Free Portfolio Tracker Crew - HYSA Banking Built for Families - Get an Extra 0.5% APY with my partner link Ethos - Affordable Term Life Insurance Trust & Will - Convenient Estate Planning HOW WE MAKE MONEY + DISCLAIMER: This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS: Podcast Artwork: Liz Theresa Editor: Johnny Sohl Podcast Support: Nev Maraj Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Rory speaks with Dr. Daniel Crosby, Chief Behavioral Officer at Orion Advisor Solutions, and Randy Johnston, fintech strategist and co-founder of K2 Enterprises, to discuss the technology and behavioral finance topics outlined in The Holistic Guide to Wealth Management and the evolving role of CPAs and financial advisors. Dr. Crosby explains why values-based planning isn't just feel-good theory—it drives real outcomes, citing stats that show clients in goals-based portfolios are 10x less likely to panic sell and twice as likely to save for retirement. Randy shares how AI, automation, and real-time data are freeing up capacity so firms can spend less time on compliance and more time on relationships, strategy, and outcomes. They discuss why holistic financial planning is the foundation for stronger, more durable client relationships. Want to know how behavioral finance and a human-first approach can power deeper client engagement? Curious how CPAs can turn AI into a competitive advantage? Find out the answers to these questions and more in this future-focused conversation with Dr. Daniel Crosby and Randy Johnston.

In this heartfelt and timely episode, Dave and Nick step away from charts and market trends to focus on something just as important—the emotions behind the numbers. If you're retired or nearing retirement, you've likely felt the weight of recent market turbulence. Maybe you're wondering if your plan is still on track or feeling that itch to “do something” in response to all the headlines. Don't worry—you're not alone. https://youtu.be/HmFVuNyDiCw What's Covered in This Episode Why fear and uncertainty are natural (and even expected) during volatile markets The importance of emotional awareness and knowing your personal reaction style Why “just staying the course” isn't just a catchphrase—it's a lifesaver Powerful insights from financial legends like Warren Buffett, Carl Richards, Morgan Housel, and Dr. Daniel Crosby Practical ways to cope: from revisiting your risk tolerance to knowing when it's OK to delay purchases The value of talking it out early—with your advisor, your partner, or your financial planning team

Tune in to hear:What is the status quo bias and why might it have been relevant to the Challenger space shuttle explosion?Why did Richard Feynman, Nobel Prize winning physicist, state that “the first principle is that you must not fool yourself and you are the easiest person to fool?” How is running from freedom, via conscientiousness, an embodiment of Feynman's sentiment?What did Alfred Adler, Austrian Psychotherapist, say about our safeguarding tendencies and the harm they can do?How can safeguarding tendencies morph into inferiority complexes?How do we sometimes posit cowardice as moral uprightness in our lives?LinksThe Soul of WealthConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0992-U-25094

Tune in to hear:What is Rudyard Kipling's poem “If –” about and what can it teach us about remaining poised in the face of chaos?What are some qualities of the investors who fare best in turbulent markets?What roles does EQ (Emotional Intelligence) play in investment decision making?What are some practical steps for remaining calm in a churning world?Why is “sleeping on it” such powerful advice when it comes to investment decision making?How can we anchor to non-financial metrics to regain a measure of control during market downturns?LinksThe Soul of WealthOrion's Market Volatility PortalConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 1048-U-25099

Tune in to hear:Why does the prospect of freedom generate great anxiety for people?What led to Hitler's ascent in post-war Germany?How is freedom dialectical in nature and what role did freedom play in the rise of the Third Reich?What is the dark side of freedom and how can responsibility keep this in check?Why does the Existentialist philosopher Kierkegaard refer to “anxiety as the dizziness of freedom?”According to Erich Fromm, what are the three primary ways we run from our agency?What are the meaningful differences between “freedom from” and “freedom to?”LinksThe Soul of WealthConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0783-U-25076

Tune in to hear:Learn about the complex path to publication for Confederacy of Dunces and what role did Toole's mother play in bringing his work to light?Why do we rob not only ourselves, but also the world, by playing small?What did Psychologist Rollo May say about failing to express your own ideas and your being?Why do we often misperceive what others will value, both in terms of appearance of romantic partners and in terms of societal contributions?As a society, do we value prestige and wealth more or developing one's personal gifts more?LinksThe Soul of WealthConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0784-U-25076

Tune in to hear:What does “Shirtsleeves to Shirtsleeves in three generations” refer to and why is this concept ubiquitous across many cultures?What is the “crab in a bucket” theory and how do we see this play out with people? Why is this called “tall poppy syndrome” in Australia and New Zealand?What are psychological “leveling mechanisms?” What do these look like in practice?What is the African concept of Ubuntu and what can we learn from it?How can we find a middle ground between Individualism and Collectivism?LinksThe Soul of WealthConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0650-U-25066

Tune in to hear:What was the name of Helen Keller's mentor, educator and friend and how did they cultivate such a special relationship?What did Benjamin Franklin famously state about how we should lean on those around us?What are some of the detrimental health effects of isolation and loneliness?Why are our relationships critical to both our mental, and physical, wellbeing?LinksThe Soul of WealthConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0643-U-25066

Are you better looking than average? Four (4) big behavior errors and the formula for a happy life. Recency bias, the Backfire Effect and more fascinating insights. Thinking about your brain on finance... A great topic to discuss with our Guest – Dr. Daniel Crosby - Chief Behavioral Officer with Orion. NEW! DOWNLOAD THIS EPISODE'S AI GENERATED SHOW NOTES (Guest Segment) Dr. Daniel Crosby, a behavioral finance expert and sought after thought leader on market psychology, is the Chief Behavioral Officer at Orion. His ideas have appeared in the Huffington Post, Think Advisor, and Risk Management, as well as columns for WealthManagement.com and Investment News. Daniel was named one of Investment News "40 Under 40" and a “financial blogger you should be reading” by AARP. Daniel's second book, "Personal Benchmark", co-authored with Charles Widger of Brinker Capital, was a New York Times bestseller that outlines a highly personalized approach to investing that aligns intention with action while fostering an investment experience that is both enjoyable and rational. In his bestselling book, The Behavioral Investor, psychologist and asset manager Dr. Daniel Crosby examines the sociological, neurological and psychological factors that influence our investment decisions and sets forth practical solutions for improving both returns and behavior. Readers will be treated to the most comprehensive examination of investor behavior to date and will leave with concrete solutions for refining decision-making processes, increasing self-awareness and constraining the fatal flaws to which most investors are prone. Check this out and find out more at: http://www.interactivebrokers.com/ Follow @andrewhorowitz Looking for style diversification? More information on the TDI Managed Growth Strategy - HERE Stocks mentioned in this episode: (AAPL), (USO), (GME)

Tune in to hear:What was René Girard's concept of mimetic theory and how do we see this play out in modern science?Why is our ability to effectively forecast what will bring us joy potentially less developed than our forecasting of pain and displeasure?What is the cognitive bias Impact Bias?How and when were mirror neurons discovered and what role do they play in empathy?What is the “werther-effect” and how does it illustrate our tendency for mimicry?LinksThe Soul of WealthConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0602-U-25064

Click here to work with us! For decades, you've been focused on saving—watching your retirement accounts grow, sticking to a budget, and making smart financial decisions to ensure a secure future. But now that the time has come to actually enjoy your hard-earned money, spending it feels... unsettling.  You're not alone. Many retirees struggle with the mental shift from accumulation to decumulation, even when their financial plans show they have more than enough. The fear of running out, coupled with conflicting financial advice, makes it tough to confidently transition into this new phase of life. Today we explore strategies for overcoming the retirement spending fear, based on an insightful Forbes article by Tim Maurer. We'll break down his three-step approach: phasing into retirement instead of stopping abruptly, redefining "work" to maintain purpose and fulfillment, and structuring an investment portfolio designed specifically for retirement withdrawals. Plus, we'll tackle a listener question about Social Security spousal benefits and the implications of early filing. By the end of the episode, you'll gain a clearer understanding of how to embrace your retirement, spend with confidence, and fully enjoy the wealth you've built.  Outline of This Episode (0:00) The fear of spending in retirement (1:19) The “Retirement Cycle of Fear” (3:13) Step 1: Phase into retirement gradually (5:15) Step 2: Keep working, but redefine it (7:20) Step 3: Build a portfolio for spending (10:14) Listener Q – Social Security & spouses (14:30) Final thoughts (how to thrive in retirement) Resources & People Mentioned The Retirement Podcast Network Tim Maurer's Forbes article – Overcoming the fear of spending in retirement. Daniel Crosby's The Soul of Wealth – A deep dive into money and psychology. Connect with Benjamin Brandt Become a Client: www.retirementstartstoday.com/start Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com/ Follow Ben on Twitter: https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on Apple Podcasts, Stitcher, TuneIn, Podbean, Player FM, iHeart, or Spotify

Tune in to hear:Learn about the 1988 Yellowstone fires and some of the positive ecological effects it brought about.How can we “burn down” our damaging past assumptions and allow for new ideas to flourish in our own lives?What does the Latin phrase “Cogito, ergo sum” mean?How can we unearth our beliefs that we take for granted and examine them?LinksThe Soul of WealthConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0524-U-25055

Tune in to hear:What is remarkable about Quaking Aspen trees?How might the Quaking Aspen's underground network mirror our own lives and what can we learn from this?What is “the shadow” in Jungian psychology and what is its significance in our day-to-day lives?What is the Latin etymology of the word persona?What does psychologist Carl Jung say about the significance of making the unconscious conscious?How can we bring our “shadow” to bear more often in our lives?LinksThe Soul of WealthConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code:

Click here to work with us! Most people plan for retirement by focusing on their finances—building up a nest egg, securing passive income, and minimizing taxes. But what if that's only part of the equation? Many retirees find themselves financially secure yet feeling unexpectedly lost, disengaged, or even unhappy. The truth is, money alone doesn't guarantee a fulfilling retirement. Dr. Daniel Crosby explains how work naturally provides purpose, engagement, relationships, and growth—key elements we often lose in retirement without realizing it. Without a plan to replace them, retirees risk dissatisfaction, depression, and even health issues. The good news? By proactively designing your retirement around these five pillars—positive experiences, engagement, relationships, meaning, and growth—you can create a life that is just as rich in purpose as it is in financial security.  Whether it's through hobbies, social groups, volunteering, or personal growth, Dr. Crosby shares how to build a retirement that keeps you mentally, emotionally, and socially fulfilled for decades to come.  Outline of This Episode (0:00) Introduction (1:30) The unexpected struggles of retirement (2:40) The five facets of a meaningful life (6:23) How to intentionally rebuild purpose after retiring (9:50) The hidden danger of loneliness in retirement (14:30) Why purpose-driven money decisions matter (22:50) A hilarious twist: How Elon Musk “stole” from Dr. Crosby! Resources & People Mentioned The Retirement Podcast Network Dr. Daniel Crosby's Book – The Soul of Wealth (Amazon) Dr. Daniel Crosby's Podcast – Standard Deviations (Podcast) CDC Report on Loneliness & Health Risks (Report) Connect with Dr. Daniel Crosby Chief Behavioral Officer bio His Twitter/X: @danielcrosby His LinkedIn: Dr. Daniel Crosby Connect with Benjamin Brandt Become a Client: www.retirementstartstoday.com/start Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com/ Follow Ben on Twitter: https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on Apple Podcasts, Stitcher, TuneIn, Podbean, Player FM, iHeart, or Spotify

Tune in to hear:Why is the phrase “just be yourself” so vague and unhelpful? What might be a more productive way of thinking about what this is trying to get at?What are the concepts of facticity and existentiality and what can we learn from them?What did Heidegger mean by “the thrownness of human existence?”What did living authentically look like to Heidegger? How does this differ from the popularized conception of “being true to yourself?”What can we learn from taking a closer look at the etymology of authenticity?LinksThe Soul of WealthConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0336-U-25034

Today we talk The Soul of Wealth with Daniel Crosby, a behavior finance expert. Daniel shares his transition from clinical psychology to Wall Street due to burnout and his realization that finance is deeply rooted in human behavior. Highlighting the PERMA model from positive psychology, he emphasizes that true well-being requires balancing positive experiences, meaningful work, relationships, purpose, and personal growth—rather than just financial success. Daniel discussed how there has been a shift financial behavior, with younger generations prioritizing values-driven investing over pure profit. Join us as we discuss how to have a more fulfilling financial life! Today we discuss...  Daniel Crosby shares his background as a clinical psychologist who transitioned into behavioral finance. Behavioral finance is central to investing, shaping individual and institutional decisions. How people often optimize for material success (positive experiences) at the expense of deeper fulfillment. The PERMA model, a framework for well-being that balances pleasure, engagement, relationships, meaning, and achievement. How Wall Street culture can lead to extreme work habits, burnout, and misplaced priorities. Crosby emphasizes the importance of integrating life balance early, rather than delaying happiness for financial success. The role of money in social change, noting that financial tools have historically driven major civil rights movements. The Montgomery Bus Boycott, sparked by Rosa Parks, demonstrated the power of financial pressure in the civil rights movement. Younger generations increasingly recognize that spending money is a form of voting for the world they want to live in. Gen X is often overlooked politically, partly because they tend to be cynical and disengaged from politics. Financial decisions can be more powerful than political votes, as they influence the economy and corporate behavior daily. Consumer spending decisions significantly impact businesses and shape the economy more directly than stock market trades. Retirees often conflate net worth with self-worth, making it hard to enjoy their savings. The balance between saving for the future and enjoying the present is a major financial conflict in relationships. People tend to judge others based on their spending habits, viewing savers as dull and spenders as reckless. Life offers no guarantees, so financial strategies should include both prudent saving and meaningful spending. Overcoming personal financial biases requires studying market history and maintaining a long-term perspective. For more information, visit the show notes at https://moneytreepodcast.com/the-soul-of-wealth-daniel-crosby-684  Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management   Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast  

Tune in to hear:What is a Rube Goldberg machine and what can we learn from them?What are some examples of how we substitute busyness for meaning making in our lives?What do Existential philosophers, like Kierkegaard, have to say about the importance of having a central purpose in one's life?Why do people have a sense that they are busier than ever?LinksThe Soul of WealthConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0335-U-25034

Tune in to hear:Where is this quote from? “How did you go bankrupt? Two ways: gradually, then suddenly.” Also, how might this quote apply elsewhere in our lives?Why is self-deception so insidious and hard to address for many of us?Why are we so hard-wired to preserve ease, virtue and safety and why is there a dark side to this?What are some of the mental gymnastics we do when we are faced with the cognitive dissonance of doing the wrong thing and knowing better?Why is attempting to live your most purposeful life so challenging, and even scary, at times? What can we do to overcome this hurdle?LinksThe Soul of WealthConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0171-U-25021

Recapping the year's top episodes covering the science of building wealth - proven ways to earn more and have a healthier relationship with money.For more listening, check out the full episodes with our guests:Charles Duhigg, Author of SupercommunicatorsDaniel Crosby, Author of The Soul of WealthCaroline Adams Miller, Author of Big GoalsCarl Richards, Host of 50 Fires podcastScott Rick, Author of Tightwads and SpendthriftsKate Northrup, Financial Expert and Author