In this NGPF Speaker Series episode, former FDIC Chair Sheila Bair joins Tim Ranzetta to celebrate the launch of her new book for teens, How Not to Lose a Million Dollars. Bair explains why she wrote the book, aiming to give young people practical, plain-language guidance on navigating the financial system, and shares her own story of racking up thousands in credit card interest as a young lawyer. The conversation covers the power of compound interest and opportunity cost, why broad-based index funds are the best starting point for new investors, and the growing threats of "finfluencers", gambling apps, and prediction markets. Bair and Ranzetta also dig into bigger-picture policy issues like housing affordability, non-bank financial risks, and the need for trusted, vetted financial education resources in schools. Teachers will especially appreciate the discussion of how to make these topics land with students, along with Bair's offer of free book donations to Title I schools and virtual classroom visits.