It's a Charles Payne Friday! Charles Payne of Fox Business and this year's Keynote Speaker for Financial Fest coming up Saturday January 27th --joins us for an interesting and surprising interview! But first, we'll check into the science of financial decision making! College textbooks try to tell us we are all rational beings who make rational decisions all the time. Behavioral economists--like Richard Thaler, recent winner of the Nobel Prize in economics, say it's just the opposite.