Today's guest is Dr. Daniel Crosby, a leading psychologist and behavioral finance expert who helps individuals and organizations understand how our thoughts, emotions, and behaviors intersect with the markets—and ultimately, our sense of purpose.

He serves as Chief Behavioral Officer at Orion Advisor Solutions and is the bestselling author of The Soul of Wealth: 50 Reflections on Money and Meaning. He's been recognized by AARP and Monster.com as a top financial thinker and is the host of the Standard Deviations podcast.

Daniel was on the podcast back in 2020, and I'm thrilled to have him back on the podcast to explore how uncertainty continues to shape investor behavior and how political biases can derail sound investment decisions. We discuss the psychological toll of financial news overload, why tuning out the noise is essential, and the critical importance of focusing on the controllable aspects of wealth-building.

In our conversation, you'll hear Daniel explain why wealth alone doesn't lead to fulfillment—and how retirees, despite having ultimate time freedom, often struggle with depression and a lack of direction. He shares the five facets of a flourishing life and offers a fresh lens on using fear as a spotlight for opportunity.

Daniel's last appearance on the pod was fantastic, and I think this conversation is even better, so you won't want to miss it!

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In this podcast interview, you'll learn:

• Why uncertainty continues to drive market volatility—and how investors respond emotionally.
• How our political views can unconsciously distort our financial decisions.
• What to do when "too much time freedom" becomes a burden in retirement.
• How to identify and rewrite harmful financial scripts passed down from past generations.
• The five essential ingredients of a purpose-filled life after retirement.
• Why your relationship with money needs to evolve once you "have enough."

Show Notes: HowardBailey.com/515

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ABOUT HOWARD BAILEY FINANCIAL: Our mission is to help others gain clarity in purpose and elevate meaning in their lives through personal and practical financial strategies. Our Retire With Purpose™ Framework starts with establishing your unique financial philosophy — the true meaning and purpose for your money in retirement. Through continued education, one-on-one meetings, and a comprehensive team planning approach, we have helped retirees across the country secure their financial futures. And while we can't work with everyone, our goal is to provide value to everyone we meet. Our team of advisors and support specialists strive to deliver the very best experience in pre-retirement and retirement planning. Learn more about our process here: https://howardbailey.com/our-process