The director of behavioral science at Morningstar discusses the value of smart shortcuts, why social media makes people feel bad about themselves, and how the pandemic changed how Americans save and spend. Our guest on the podcast today is Sarah Newcomb, director of behavioral science at Morningstar. In her role she works to integrate the findings of her research into Morningstar 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.