Jon Stein is the CEO and founder of Betterment, one of the leading roboadvisors in the US.   After amassing experience advising banks and brokers on risk and products, Jon founded Betterment in 2008 to make people's lives better.   Jon is a graduate of Harvard University and Columbia Business School. He holds Series 7, 24, 63 licenses and is a CFA charterholder.    Jon's interests lie at the intersection of behavior, psychology, and economics, all of which we get into in today's conversation.   If you enjoy today's episode, we'd really appreciate it if you shared it with one other person who might like it. Fintech is relevant all over the world, and we'd love your help spreading the message.   Thank you very much for listening today. Please welcome, Jon Stein.