This episode of the NGPF Speaker Series features personal finance educator Paul Merriman in conversation with Tim Ranzetta, delivering insights especially relevant to teachers. Paul shares practical, research-backed advice on helping students and young investors understand investing basics, with a spotlight on target date funds, index fund fees, and the behavioral pitfalls that commonly trip up new investors. Teachers will gain actionable strategies to help their students avoid common mistakes, appreciate the long-term value of low costs, and make investing approachable through concepts like dollar-cost averaging, diversification, and automated investing. The episode equips educators with memorable analogies, evidence-based recommendations, and free resources that can be used directly in the classroom to promote lifelong financial well-being.