Far too often, we read in the media articles with titles like "Does Financial Education Really Work?" that take a skeptical view of the work that we do. Yet, every day, we seem to be seeing more evidence that it does. Today on the podcast you will hear from Melody Harvey, a current PhD candidate at Pardee RAND Graduate School. Her dissertation focuses on the question of whether financial education impacts usage of alternative financial services (a.k.a. payday borrowing and other high cost borrowing strategies). What she found will have significant implications for policy makers...you have to listen to find out why! She got her start in personal finance as a young entrepreneur selling avocados in the neighborhood and has been passionate about money management ever since. Thank you to Melody for sharing her time with us and for making a significant contribution to the field with her research. Enjoy!