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Hi, and welcome to the Longview. I'm Jeff Battack Chief Ratings Officer for Morningstar Research Services.

And I'm Christine Ben's Director of Personal Finance and Retirement Planning at Morning Star.

Our guests on the podcast today is Sarah Newcomb, Director of Behavioral Science at Morning Star.

In her role, she works to integrate the findings of her research into Morning Star Financial Management applications and tools.

Before joining Morningstar

in 2015, Sarah earned her doctorate in behavioral economics from the University of Maine, where

her work focused on the psychological barriers to sound personal money management. She's the author

of loaded, money, psychology, and how to Get Ahead Without Leaving Your Values Behind.

Sarah also holds a bachelor's degree in mathematics from Salem State University,

a master's degree in financial economics from the University of Maine, and a master's

certification in personal financial planning from Bentley University. Sarah, welcome to the Longview.

Thank you. It's great to be here.

So maybe we'll start off with financial literacy, which I know is a key area of interest for you.

You've noted that rules of thumb really work in financial education. What are some examples

and why are they so useful in your opinion?

So, yeah, I love Rules of Thumb.

...