Support for Pivot comes from Nerd Wallet. If you've ever tried searching for a great cashback credit card, you know how paralyzing that hunt can be.

Nerd Wallet can help you make a smart decision by comparing top credit cards side by side to find the right one for you.

Nerd Wallet's team of nerds has the expertise to help you compare and find your next cashback credit card.

Their site is loaded with star ratings, pros and cons, objective reviews, and more.

Ready to make a financial decision, compare and find top credit cards, savings accounts, and more at nerdwallet.com.

Nerd Wallet, the smartest decision for all your financial decisions.

This episode is brought to you by SAP Concert. In this economic climate, every business spending moment matters.

There's no room for risks, overspending, and inefficiency.

SAP Concert Solutions take you beyond basic automation to help you increase your cash flow, not your concerns, allowing you to settle employee expenses and invoices efficiently and effectively, reduce financial risk, and save time.

Visit concord.co.uk to learn more.

Hi everyone, this is Pivot from New York Magazine in the Vox Media Podcast Network. I'm Karros Swisher.

And I'm Scott Galloway. How you doing today? What's going on? What's happening?

I mean, truth be told, I'm enjoying London, but I'm not loving it. There's a lot of things I miss about America, my life in America, and I'm headed back.

I'm going to Miami and New York on Sunday, which I'm really excited about. There's a study every year they do a study on happiness, and they look at what countries are the happiest.

And seven of the 10 happiest countries in the world tend to be in northern Europe. And you think, well, what is it? It's pretty dark up there. Like, what do they have that we don't have?

And it's not what they have. It's what they don't have. And specifically, there's an absence of fear of certain things being taken away from you.

And number one, is it because of the social safety net? And I'm not saying it's the right way, but it's their way.

And that is if your wife is diagnosed with lung cancer, it doesn't mean you're going bankrupt. And that happens to about a third or half of people who have a long term serious illness as it puts very serious financial strain on their family, adding to, you know, what is otherwise on its own a very bad situation.

But something one of the upsides of the UK, and I hadn't really thought about Tygotte here, I didn't realize how much the fear of mass shootings had weighed on me.

And some of that is because I'm older and I'm a little bit neurotic. But when you have kids and you're dropping them off every day at school and you've taken them to movies and you're going to very public places and malls, which by the way, my 12 year old is obsessed with malls.

He's he was looking forward to going to Dubai when he heard that largest mall in the world was like we've got to go to Dubai.

Anyways, you can't help but have these really terrible images and scenarios run through your mind. And you guess what when you move to when you move to the UK, you don't have those images. You don't have those fears. You know why? Because it doesn't happen here.

...