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Hi, and welcome to the Longview. I'm Christine Ben's's Director of Personal Finance at Morningstar, Inc.

My colleague Jeff Patak is out today, so I'll be conducting today's interview solo.

My guest today on the podcast is Judith Ward, senior financial planner and a vice president of T-Roe Price Associates.

In her role at T-Row, Judy provides guidance on personal finance and retirement-related issues and is responsible

for developing a broad range of financial planning products and services. Additionally, she provides

T-Row Price perspectives to individuals, institutions, and the media and contributes to T-Row-P

publications. She has been with T-Row Price since 1983 and is a CFP certificate. Judy, welcome to the

Longview. Thanks for having me, Christine. So we decided to organize this conversation by life stage,

because in your work, you do provide financial guidance to people at a variety of life stages,

from people just getting going to people who are well into

their retirement. So we thought we'd take it age by age, basically, and start out with the first

cohort, people who are just getting their plans off the ground, maybe new graduates from

college. And a big question for people at that life stage, especially today, is many of them

are coming out of school with these enormous amounts of student loan debt. So they may have heard

that they should get started investing for their retirements as soon as they possibly can.

They should also build an emergency fund, but they also might have 50,000, 100,000 in student

...