Money decisions are inherently messy, because we are humans, not robots. As humans, we have brains that haven’t changed in thousands of years, and yet must reconcile the here-and-now with an uncertain future. Guest Neil Bage, co-founder of Shaping Wealth, is an applied behavioral science specialist working to bridge theory and the real world to help us make better money moves.  We discuss the problem with goals, how terrible we are at predicting the future, and how we can use these insights when planning for our futures and major transitions like retirement.