The Long View

Our guest this week is Bob Seawright. Bob is chief investment and information officer at Madison Avenue Securities, a Registered Investment Advisorand broker/dealer based in San Diego, California. Bob has received a number of accolades through the years but is perhaps best known for his popular newsletter, "The Better Letter," where he writes about a wide range of topics, including human behavior, decision-making, and investing. Before coming to the finance industry, Bob was a practicing lawyer. He later joined Merrill Lynch, where he worked as a financial advisor until joining Madison in 2010. Bob earned his bachelor's degree from the State University of New York at Fredonia, his J.D. from Duke University, and is a CFA charterholder. BackgroundBioThe Better LetterHow I Invest My Money: Finance Experts Reveal How They Save, Spend, and Invest, by Joshua Brown and Brian PortnoyUbiquity: Why Catastrophes Happen, by Mark BuchananTerrance Odean: “The Average Investor Is His Own Worst Enemy,” Forbes.com, June 10, 2010.Confirmation Bias and Addition by Subtraction“The Better Letter: Believing Is Seeing,” by Bob Seawright, betterletter.substack.com, May 21, 2021.The Geometry of Wealth: How to Shape a Life of Money and Meaning, by Brian Portnoy“A Hierarchy of Advisor Value,” by Bob Seawright, RPSeawright.wordpress.com, Feb. 12, 2016. “The Better Letter: Addition by Subtraction,” by Bob Seawright, betterletter.substack.com, July 30, 2021.Error Avoidance“Investors’ 10 Most Common Behavioral Biases,” by Bob Seawright, RPSeawright.wordpress.com, July 16, 2012.“Not Stupid Wins,” by Bob Seawright, RPSeawright.wordpress.com, Dec. 20, 2019.“The Better Letter: Crash Protection,” by Bob Seawright, betterletter.substack.com, Sept. 24, 2021.“Forecasting Follies 2020,” by Bob Seawright, RPSeawright.wordpress.com, Jan. 2, 2020.Skill Versus Randomness“The Better Letter: Randomness Rules,” by Bob Seawright, betterletter.substack.com, July 16, 2021.“The Better Letter: Process, Probability, and Power,” by Bob Seawright, betterletter.substack.com, Aug. 14, 2020.

Our guest on the podcast today is author and blogger Fritz Gilbert. Fritz spent more than 30 years in corporate America, before retiring at age 55. He and his wife moved to a cabin in the Georgia mountains, where they enjoy community involvement and charity work. Fritz has been writing about the experience and giving advice at his blog, theretirementmanifesto.com. He also wrote a book about retirement, called Keys to a Successful Retirement: Staying Happy, Active, and Productive in Your Retired Years.BackgroundBioTwitter: https://twitter.com/RetireManifestoWhat I've Learned From 2 Years of Retirement, by Fritz Gilbert; June 3, 2020Wise Advice for a Successful Retirement, by Fritz Gilbert; April 22, 2020Freedom for Fido, by Fritz Gilbert; May 7, 2019Freedom for Fido websiteThe Dark Side of Retirement, by Fritz Gilbert; Nov. 19, 2019The One Retirement Question Project, by Fritz Gilbert; May 18, 2018The Wall Street Journal. Complete Retirement Guidebook: How to Plan It, Live It and Enjoy It Karsten Jeske/Early Retirement NowThe Safe Withdrawal Rate SeriesKarsten Jeske: Cracking the Code on Safe Withdrawal Rates. The Long View podcast. Oct. 13, 2020. Retirement Readiness10 Steps to Make Sure You Have Enough Money to Retire, by Fritz Gilbert; May 26, 202120 Steps to Take in the Year Before Retirement, by Fritz Gilbert; Jan. 2, 2019The Ultimate Pre-Retirement Checklist, by Fritz Gilbert; March 27, 2018How To Build a Retirement Paycheck From Your Investments, by Fritz Gilbert; Oct. 4, 2016Retirement: Decumulation and InvestmentsHow to Manage the Bucket Strategy, by Fritz Gilbert; Jan. 15, 2020A Step-By-Step Guide for Your Annual Financial Update, by Fritz Gilbert; Jan. 1, 2020Our Retirement Investment Drawdown Strategy, by Fritz Gilbert; June 20, 2017How to Move Your Retirement From Good to Great in 7 Days, by Fritz Gilbert; May 31, 2017

Our guest on the podcast today is author Zachary Karabell. He’s written numerous books about global history, economics, and politics. His latest is called Inside Money: Brown Brothers Harriman and the American Way of Power. BackgroundBio WebsiteTwitter: @zacharykarabellThe Progress NetworkBrown Brothers Harriman Career/InvestingInside Money: Brown Brothers Harriman and the American Way of Power, by Zachary Karabell, 2021.“Zachary Karabell: How a Boring Bank Shaped the Rise of American Power," by Jane Wollman Rusoff, ThinkAdvisor.com, July 30, 2021.The Leading Indicators: A Short History of the Numbers That Rule Our World, by Zachary Karabell, 2014."Capitalism Doesn’t Have to Be This Way," by Zachary Karabell, The Atlantic, May 21, 2021.“The Capitalist Culture That Built America,” by Zachary Karabell, The Wall Street Journal, May 14, 2021.“Fannie, Freddie, and the Destructive Dream of the 'Ownership Society,’ ” by Zachary Karabell, The Atlantic, Aug. 10, 2013.“A House Is a Home--Not an Investment,” by Zachary Karabell, The Atlantic, Sept. 13, 2013.C-Span Inside Money, hosted by Museum of American Finance in New York City, July 14, 2021. ChinaSuperfusion: How China and America Became One Economy and Why the World's Prosperity Depends on It, by Zachary Karabell, 2009“Trump Got China All Wrong. Now Biden Is Too,” by Zachary Karabell, Foreign Policy, March 24, 2021“China’s Didi Crackdown Isn’t All That Different From U.S. Moves Against Big Tech,” by Zachary Karabell, Time, July 9, 2021.

Our guest this week is the Dhananjay Phadnis. DJ is the manager of the Fidelity Sustainable Asian Equity strategy, which he has run since 2013. DJ joined Fidelity as an analyst in 2004 and has served in a number of roles during his tenure, including stints managing Fidelity Indonesia Fund as well as Fidelity's director of research in Hong Kong. DJ graduated from Pune University in India and holds a postgraduate degree in management from the Indian Institute of Management. He is a CFA charterholder and an associate of the Institute of Chartered Accountants of India.BackgroundBioFidelity Sustainable Asia Eq A-Dis-EURChina“Fund Update--Sustainable Asia Equity,” by Dhananjay Phadnis, fidelity.co.uk.com, Aug. 25, 2021.“Capitalising on Asia’s Sustainability Transition,” by Dhananjay Phadnis, fidelity.co.uk.com, July 12, 2021.“On the Hunt for Sustainable Growth in Asia,” by Dhananjay Phadnis, fidelity.co.uk.com, April 21, 2021.“Seven Themes That Investors in Emerging Asia Have to Watch,” by Gary Jackson, trustnet.com, Feb. 15, 2019.ESG“Sustainability Is Key for Value Creation,” by Dhananjay Phadnis and Flora Wang, fidelityinternational.com, March 2, 2021.“DJ Phadnis: A Commitment to Sustainable Practices Can Improve Long-Term Value,” YouTube video, Fidelity International, March 25, 2021.“An Active Approach to ESG Investing Is Key for Investors Trying to Drive Sustainable Change in Asia,” by Dhananjay Phadnis, linkedin.com, Sept. 20, 2021.“Investors Eye Early Stage Sustainability,” esgclarityasia.com, July 15, 2021.“ESGenius: A Sustainability Lens Can Help Discern the Trends That Matter,” by Dhananjay Phadnis, fidelityinternational.com, June 10, 2020.Investing and Stocks“Jason Hsu: China Is ‘the Last Great Remaining Alpha Reservoir,’” The Long View Podcast, Morningstar.com, April 21, 2021.“Martin Lau: Now Is a Better Time to Buy China,” The Long View Podcast, Morningstar.com, Aug. 3, 2021.“Asia Equities: Bottom-Up, Stock Specific Opportunities Abound,” by Dhananjay Phadnis, fidelity.com.“Macau, China’s Casino Capital, Has Enjoyed a Decades-Long Winning Streak. It Might Finally End,” by Eamon Barrett, fortune.com, Sept. 16, 2021.

Our guest on the podcast today is Tadas Viskanta. Tadas is the director of investor education at Ritholtz Wealth Management. He's also the founder and editor of the popular financial and investing blog Abnormal Returns, which he launched in 2005. Tadas is the author of the book Abnormal Returns: Winning Strategies from the Frontlines of the Investment Blogosphere and has coauthored a number of papers that have appeared in esteemed academic publications like the Financial Analysts Journal. Tadas earned his bachelor's degree in economics and political science from Indiana University and his MBA from the University of Chicago Booth School of Business.BackgroundBioAbnormal ReturnsTwitter: @abnormalreturnsAbnormal Returns: Winning Strategies From the Frontlines of the Investment Blogosphere by Tadas ViskantaInvestor Education“Financial Literacy vs. a Fiduciary Standard: Which Matters More?” by Tadas Viskanta, abornormalreturns.com, May 26, 2019. “What Has the Stock Market Taught Us Since 2010? ” by Ben Carlson, awealthofcommonsense.com, Sept. 10, 2021.Content“Earning the Permission of Your Audience,” by Tadas Viskanta, abnormalreturns.com, Feb. 21, 2021.“Keys to Social Media Success: Curiosity, Conversation, and Patience,” by Sloane Ortel, cfainstitute.org, May 15, 2016.HumbleDollarJonathan ClementsThe Rational Reminder Podcast Retirement Planning and Personal Finance“Don’t Short-Circuit Your Financial Plan With an Inflexible Spending Rule,” by Tadas Viskanta, abnormalreturns.com, July 31, 2019.“Shifting Gears in Retirement Isn’t Easy,” by Tadas Viskanta, abnormalreturns.com, Nov. 23, 2019.“Social Influence and the Rise of Index Investing,” by Tadas Viskanta, medium.com, Feb. 12, 2017.Canvas platform, O'Shaughnessy Asset Management“Not All That Glitters Is Gold With Tadas Viskanta,” ycharts.com, 2021.OtherThe Success Equation: Untangling Skill and Luck in Business, Sports, and Investing, by Michael J. Mauboussin“Consilient Observer,” by Michael Mauboussin and Dan Callahan

Our guest on the podcast today is Lynnette Khalfani-Cox. She's a personal finance expert, speaker, and author of 15 money-management books, including The New York Times best-seller, Zero Debt: The Ultimate Guide to Financial Freedom. Khalfani-Cox and her husband co-own TheMoneyCoach.net, which offers financial education consulting services, courses, and workshops. Before starting TheMoneyCoach.net, Khalfani-Cox was a Wall Street Journal reporter for CNBC, where she covered business and personal finance news. She spent nearly 10 years at Dow Jones & Company working as a reporter, bureau chief, deputy managing editor, and personal finance editor. She received her undergraduate degree from the University of California at Irvine, and her master's degree in broadcast journalism from the University of Southern California. BackgroundBioTheMoneyCoach.netBooks by Lynnette Khalfani-Cox Improving the Racial Wealth Gap"Here's What the 'Black Tax' Does to so Many Families--Including Mine," by Lynnette Khalfani-Cox, Vox, March 24, 2021."How Income and Savings Affect the Racial Wealth Gap," by Steve Wendel, Morningstar.com, Aug. 27, 2021. "100 Must-Know Statistics about Race, Income, and Wealth," by Christine Benz, Morningstar.com, June 8, 2020. "Why the Racial Wealth Gap Exists, and What You Can Do About It," by Nicole Dieker, Haven Life, July 10, 2020."3 Ways to Close the Racial Wealth Gap After the Pandemic," by Kemberley Washington, Forbes, June 10, 2021."A Lesson in Economic Violence," by Lynnette Khalfani-Cox, AskTheMoneyCoach.com."Financial Advice During the COVID-19 Pandemic," by Lynnette Khalfani-Cox, aalbc.com, May 30, 2020."How to Set Money Boundaries With Your Family," Meena Thiruvengadam, Yahoo News, Sept. 8, 2021.Ariel-Schwab Black Investor Survey "A Money Expert Who Bought her Daughter an Apartment for College Said It Worked So Well She's Doing the Same Thing for her Son," by Liz Knueven, Business Insider, Sept. 24, 2019."Are You Ready for Homeownership?" by Lynnette Khalfani-Cox, AskTheMoneyCoach.com. "Are You a Victim of Financial Abuse?" by Lynnette Khalfani-Cox, AARP. College Funding"What to Do If You Can No Longer Afford to Pay for College Due to COVID-19," by Lynnette Khalfani-Cox, AskTheMoneyCoach.com."Student Debt Sinks Retirees," by Lynnette Khalfani-Cox, AARP, April 18, 2017."Seven Ways to Pay Off Your Student Loans," by Lynnette Khalfani-Cox, AskTheMoneyCoach.com."Tackling Student Loan Debt," by Lynnette Khalfani-Cox, AARP."Are Your Kids Making You Broke?" by Lynnette Khalfani-Cox, AARP, January 2013.“7 Financial Tips for Parents of College Students," by Lynnette Khalfani-Cox, AskTheMoneyCoach.com.Financial Wellness and Education"7 Tips for Tackling Your Credit Card Debt, From Someone Who Paid Off $100,000 in 3 Years," by Elizabeth Gravier, CNBC, June 1, 2021.

Our guest on the podcast today is Professor Hal Hershfield. Dr. Hershfield is Professor of Marketing, Behavioral Decision Making, and Psychology at UCLA's Anderson School of Management. His research concentrates on the psychology of long-term decision-making and how people's perceptions of the passage of time affect the decisions that they make. He has consulted with numerous organizations including Prudential, the Consumer Financial Protection Bureau, Merrill Lynch, and the Principal Financial Group. He received his B.A. at Tufts University and his Ph.D. at Stanford.BackgroundBioThe Pandemic“How Elvis Got Americans to Accept the Polio Vaccine,” by Hal Hershfield and Ilana Brody, scientificamerican.com, Jan. 18, 2021.“Should You Immerse Yourself in Bad News These Days or Ignore It Completely?” by Hal Hershfield, scientificamerican.com, May 5, 2020.“How to Craft the Vaccine Message for the Undecided,” by Bill Kisliuk, ucla.edu, May 4, 2021.“Your Messaging to Older Audiences Is Outdated,” by Hal Hershfield and Laura Carstensen, harvardbusinessreview.org, July 2, 2021.“Time Is Meaningless Now,” by Shayla Love, vice.com, April 10, 2020.Saving for the FutureDaniel Kahneman“Temporal Reframing and Participation in a Savings Program: A Field Experiment,” by Hal Hershfield, Stephen Shu, and Shlomo Benartzi, halhershfield.com, 2020.“Using Vividness Interventions to Improve Financial Decision Making,” by Hal E. Hershfield, Elicia M. John, and Joseph S. Reiff, halhershfield.com, 2018.“Increasing Saving Behavior Through Age-Progressed Renderings of the Future Self,” by Hal Hershfield, Daniel Goldstein, William Sharpe, Jesse Fox, Leo Yeykelis, Laura Carstensen, and Jeremy Bailenson, halhershfield.com, 2011. “The Future Self,” by Hal E. Hershfield and Daniel Bartels, uchicago.edu, 2018.“Beliefs About Whether Spending Implies Wealth,” by Heather Barry Kappes, Joe J. Gladstone, and Hal Hershfield, londonschoolofeconomics.com, 2020.“Seeking Lasting Enjoyment With Limited Money: Financial Constraints Increase Preference for Material Goods Over Experiences,” by Stephanie M. Tully, Hal E. Hershfield, and Tom Meyvis, halhershfield.com, 2015.“Do Images of Older Americans Reinforce Stereotypes?” by Colette Thayer and Laura Skufca, aarp.org, September 2019.Retirement and Older Adults“People Search for Meaning When They Approach a New Decade in Chronological Age,” by Adam Alter and Hal Hershfield, halhershfield.com, 2014.Mike North“You Owe It to Yourself: Boosting Retirement Saving With a Responsibility-Based Appeal,” by Christopher J. Bryan and Hal E. Hershfield, halhershfield.com, 2012.

Our guest on the podcast today is Laura Carstensen. She is professor of psychology at Stanford University, where she is the Fairleigh S. Dickinson Professor in Public Policy and founding director of the Stanford Center on Longevity. Her research focuses on the motivational and emotional changes that occur with age and the influence such changes have on cognitive processing. She is the author of a A Long Bright Future: Happiness, Health, and Financial Security in an Age of Increased Longevity. She received her bachelor's degree from the University of Rochester, and her Ph.D. in clinical psychology from West Virginia University.BackgroundBioStanford Center on LongevityA Long Bright Future: Happiness, Health, and Financial Security in an Age of Increased Longevity, by Laura Carstensen, Ph.D.The Pandemic“Age Advantages in Emotional Experience Persist Even Under Threat From the COVID-19 Pandemic,” by Laura L. Carstensen, Yochai Z. Shavit, and Jessica T. Barnes, journals.sagepub.com, Oct. 26, 2020.“A Life-Course Model for Healthier Ageing: Lessons Learned During the COVID-19 Pandemic,” by Laura L. Carstensen, Ashley Jowell, and Michele Barry, ncbi.nlm.nih.gov, October 2020.Longevity“Growing Old or Living Long: Take Your Pick,” by Laura L. Carstensen, issues.org, Winter 2007.“Laura Carstensen’s TED Talk: Older People Are Happier,” ted.com, April 2012.“Retire at 80!—So Says University Professor and Longevity Expert,” by Perry Brissette, perrybrissette.medium.com, July 4, 2018.“Opinion: We Need a Major Redesign of Life,” by Laura Carstensen, washingtonpost.com, Nov. 29, 2019.“Longevity and Retirement: An Expert on Aging Explains How Retirement Is Being Redefined,” Fidelity Viewpoints, fidelity.com, Feb. 3, 2021.“Boomers: Less Tied to Friends and Family as Others Are,” by Laura L. Carstensen, nextavenue.org, May 31, 2016. “Exercise Holds Immediate Benefits for Affect and Cognition in Younger and Older Adults,” by Candace L. Hogan, Jutta Mata, and Laura L. Carstensen, pubmed.ncbi.nlm.nih.gov, June 2013.“How Merrill Lynch Is Planning for Its Customers to Live to 100,” by Susan Wilner Golden and Laura L. Carstensen, harvardbusinessreview.org, March 4, 2019.“There’s a New Way of Living Thanks to Longevity,” wealthchoice.com, May 16, 2019.“Selective Narrowing of Social Networks Across Adulthood Is Associated With Improved Emotional Experience in Daily Life,” by Laura L. Carstensen and Tammy English, researchgate.net, March 2014. “Leveraging Goals to Incentivize Healthful Behaviors Across Adulthood,” by Laura L. Carstensen, Teja Chemudupati, Jessica T. Barnes, Candice L. Hogan, and Sarah Raposo, researchgate.net, July 2020.Cognitive Decline“Selective Narrowing of Peripheral Social Networks Predicts Poor Long-Term Cognition in Old Age,” by Laura L. Carstensen, Hsiao-Wen Liao, and Yochai Shavit, researchgate.net, November 2019.“Integrating Cognitive and Emotion Paradigms to Address the Paradox of Aging,” by Laura L. Carstensen, researchgate.net, November 2018.“The Theory Behind the Age-Related Positivity Effect,” by Laura L. Carstensen and Andrew E. Reed, frontiersinpsychology.org, Sept. 27, 2012.“The Positivity Effect: A Negativity Bias in Youth Fades With Age,” by Laura L. Carstensen and Marguerite DeLiema, researchgate.net, February 2018.“Alternative Retirement Paths and Cognitive Performance: Exploring the Role of Preretirement Job Complexity,” by Laura L. Carstensen, Dawn C. Carr, Robert Willis, and Ben Lennox Kail, thegerentologist.com, April 2020.Messaging to Older AdultsHal Hershfield“Your Message to Older Adults Is Outdated,” by Hal Hershfield and Laura L. Carstensen, harvardbusinessreview.org, July 2, 2021.

Our guest this week is Meb Faber. He is co-founder and chief investment officer of Cambria Investment Management, which manages exchange-traded funds and separate accounts. In addition to his duties at Cambria, Faber is a prolific author who has written influential books on tactical allocation and endowment-styled investing, among other published works. He also hosts the popular Meb Faber Show podcast, is an active participant in financial Twitter, and is the architect of The Idea Farm, a web-based research resource he developed for investors. Faber is an experienced angel investor in small, private businesses as well as an investor in alternative assets like farmland and rare coins. He graduated from the University of Virginia with a dual major in engineering science and biology.BackgroundBioBooksThe Meb Faber Show podcast@MebFaberThe Idea FarmCelera Corporation GattacaRichard ThalerJames Montier Current Environment and Market ValuationsTriumph of the Optimists, by Elroy Dimson"The Best way to Add Yield to Your Portfolio," by Meb Faber, mebfaber.com, July 6, 2017."Should a Robot Be Managing CalPERS Portfolio?" by Meb Faber, mebfaber.com, June 8, 2015."Should Harvard’s Endowment Be Managed by a Robot?" by Meb Faber, mebfaber.com, Sept. 29, 2016.Jim Rogers "I Don’t Feel Overweight," by Meb Faber, mebfaber.com, July 8, 2019."The Case for Global Investing," by Meb Faber, mebfaber.com, Jan. 10, 2020."Designing a Portfolio With Crypto, Cannabis, and Value in Mind," by Evie Liu, barrons.com, July 1, 2021."Stocks Are Allowed to Be Expensive Since Bonds Are Low…Right?" by Meb Faber, mebfaber.com, Jan. 6, 2021.Twitter thread on contrarian investment beliefs "Journey to 100x," by Meb Faber, mebfaber.com, July 1, 2021."Stock Market Valuations," by Meb Faber, mebfaber.com, March 21, 2020.Shiller P/E RatioResearch AffiliatesAAII Sentiment Survey Galapagos: A Novel, by Kurt VonnegutTrend-Following"A Quantitative Approach to Tactical Asset Allocation," by Meb Faber, papers.ssrn.com, Feb. 1, 2013."How Does a Market Get Cheap? The P in P/E," by Meb Faber, mebfaber.com, April 4, 2016."OPTO Sessions: Meb Faber on Spotting Market Bubbles," cmcmarkets.com, Aug. 28, 2020."The Biggest Valuation Spread in 40 Years?" by Meb Faber, mebfaber.com, Jan. 25, 2019."The Case for Global Investing," by Meb Faber, mebfaber.com, Jan. 10, 2020."Is Buying Stock at an All-Time High a Good Idea?" by Meb Faber, mebfaber.com, Nov. 4, 2019."You Would’ve Missed 961% in Gains Using The CAPE Ratio, and That’s a Good Thing," by Meb Faber, mebfaber.com, Jan. 6, 2019.Global Asset Allocation, by Meb FaberDow Theory "Diversify, Tilt, Relax--Meb Faber’s Case for Global Investing," by Aaron Neuwirth, efttrends.com, Jan. 14, 2020."FAQs on Share Buybacks for Lawmakers, Journalists, and Investors," by Meb Faber, mebfaber.com, Aug. 5, 2019.Qualified Small Business Stock (QSBS)AngelList Unclaimed.orgThe Coffee Can Portfolio," by James Kirby, csinvesting.org, Fall 1984.Favorite Interviews"Episode #39: Ed Thorp, Hedge Fund Manager, Author, & Professor, ‘If You Bet Too Much, You’ll Almost Certainly Be Ruined,’" The Meb Faber Show, mebfaber.com, Feb. 8, 2017."Episode #343: Dr. Nathan Myhrvold, Intellectual Ventures, ‘Pizza in the United States Is What Convinced the World That Pizza Was a Great Thing,’" The Meb Faber Show, mebfaber.com, Aug. 25, 2021.

Our guest on the podcast today is psychologist and author Dr. Daniel Crosby. Daniel is the chief behavioral officer at Orion Advisor Solutions. Daniel has written numerous books on behavioral finance, including The Behavioral Investor, The Laws of Wealth: Psychology and The Secret to Investor Success, and You're Not That Great. Daniel also hosts his own podcast called Standard Deviations. He received his Bachelor of Science and doctorate at Brigham Young University. BackgroundBioThe Behavioral Investor, by Daniel CrosbyThe Laws of Wealth: Psychology and the Secret to Investor Success, by Dr. Daniel CrosbyYou’re Not That Great, by Daniel Crosby, Ph.D.Standard Deviations podcastOrion Advisor Solutions Current Environment“3 Tips to Handle Financial Peer Pressure With Ease,” ally.com, Aug. 18, 2021.“Loneliness and Social Isolation as Risk Factors for Mortality: A Meta-Analytic Review,” by Julianne Holt-Lunstad and Timothy Smith, scholarsarchive.byu.edu, 2015.“Episode #337: Professor Richard Thaler, University of Chicago, ‘When Somebody Would Fire Us, It Was Almost Always at Exactly the Wrong Time,’” The Meb Faber Show podcast, mebfaber.com, Aug. 4, 2021.“Help Wanted: How Investor Behavior Is Rewriting the Job Description of Financial Professionals,” Natixis Global Survey of Individual Investors, fa-mag.com, 2016.Orion Advisor TechnologyBetterment“Jason Zweig: Temperament Is Everything for Most Investors,” The Long View podcast, Morningstar.com, June 29, 2021.Pandemic“The Strange Psychology of COVID-19 and Investor Behavior,” by Daniel Crosby, Kiplinger.com, Aug. 11, 2020.“Daniel Crosby: Investing Rules for Uncertain Times,” by Daniel Crosby, investec.com, June 4, 2020.“When It Rains,” by Daniel Crosby, blog.brinkercapital.com, 2020.“How COVID-19 Will Impact the Future of Investor Behavior,” by Daniel Crosby, blog.brinkercapital.com, 2020.Behavioral Finance and Investing“Daniel Crosby on the Three E’s of Behavioral Investing,” financialplanningassociation.org, August 2021.“The BIG List of Behavioral Nudges,” by Daniel Crosby, blog.brinkercapital.com, 2019. “Robert Shiller: 'Wild West' Mentality Is Gripping Housing, Stocks and Crypto,” by Stephanie Landsman, cnbc.com, May 24, 2021.“Dr. Daniel Crosby’s Three Drivers of Human Behavior,” E-book by Daniel Crosby, orionadvisortech.com. “The Formula for Happiness: Wanting What You Have,” by Daniel Crosby, blog.brinkercapital.com, 2019.“Can Money Buy Happiness? Sort Of,” by Daniel Crosby, linkedin.com, July 19, 2016.“What Is the PERMA Model?” corporatefinanceinstitute.com.Denise ShullDaniel KahnemanStandard Deviations Podcast“Christine Benz--Goals Based Approaches to Retirement,” Standard Deviations podcast with Daniel Crosby, standarddeviationspod.com, April 11, 2019.“Morgan Housel--The Psychology of Money,” Standard Deviations podcast with Daniel Crosby, standarddeviationspod.com, Sept. 4, 2019. “Jim O’Shaughnessy--What Works on Wall Street,” Standard Deviations podcast with Daniel Crosby, podcasts.apple.com, Aug. 14, 2019.