We are joined today by special guest Dr. Benjamin Cummings. He is a Certified Financial Planner and professor at UVU. Listen to our great conversation about behavioral finance, future jobs, saving tips and more. We basically just gave you a free version of a class he teaches that most students pay big bucks to hear. Check it out!Kayla and I talk about Christmas and the usual shenanigans, because what would this podcast even be without them?This episode is easily an outlier because it is the most informative one we've had. I'm sure it had to do with our guest. Happy listening!