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Hi, and welcome to The Longview. I'm Christine Ben's director of personal finance and retirement planning for Morning Star.

And I'm Jeff Battack, Chief Ratings Officer for Morning Star Research Services.

Our guest on the podcast today is Jill Schlesinger. Jill is a business analyst for CBS News

and comments on the economy, investing, and personal finance for CBS television and radio programs.

She also hosts the popular Jill on Money podcast and writes the nationally syndicated

Jill on Money column for Tribune Media Services.

Jill's first book, The Dumb Things Smart People Do with Their Money, was published in 2019.

She has received numerous awards over her career,

including an Emmy Award for her work on CBS Sunday morning. Jill is a certified financial planner

and spent 14 years as the co-owner of and chief investment officer for an independent

investment advisory firm. She began her career as a self-employed options trader on the Commodities

Exchange of New York following her graduation from Brown University. Jill, welcome to the Longview.

Great to be with you. Well, it's great to have you here. We wanted to start out by talking about

all these new investors who have been pouring into the market. I think there's a lot

to like about the fact that we've got new investors moving in. But do you worry that for this new group,

that things just might not turn out particularly well for some of these folks? I worry about that for

...