• 0:00~1:20 - Introduction
• 1:20~2:09 - Background
• 2:09~4:43 - Interest in behavioral finance
• 4:43~10:12 - Behavioral finance in her own life
• 10:12~12:39 - Understanding how to create new stories about our money lives
• 12:39~14:13 - How social media affects our money attitudes
• 14:13~16:35 - How lottery winners impact a neighborhood
• 16:35~29:45 - Highlights from her book,"Loaded," and her budgeting techniques (it's not needs and wants!)
• 29:45~30:09 - A word from our sponsor, Next Gen Personal Finance
• 30:09~34:44 - Financial advisors and budgeting
• 34:44~39:25 - How to avoid the "Keeping up with the Joneses" mindset
• 39:25~39:58 - Best thing purchased under $10
• 39:58~41:06 - Favorite behavioral economists
• 41:06~46:00 - How to get young people to think about saving for retirement
• 46:00~46:49 - Favorite books
• 46:49~47:21 - Text to every high school student
• 47:21~48:04 - Final thoughts 
• 48:04~48:58 - Conclusion

• "Budgeting feels like a diet because it is all about cutting things. No one wants to be on a diet so I made budgeting feel better"

About the Author

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.