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What are your financial goals? What are your biggest concerns? Do you have a concrete plan to address your concerns and achieve your goals? In this episode, Mark talks with Cynthia Loh, vice president of digital advice and innovation at Schwab. Together they look at some proprietary empirical data involving the goals—and the biggest concerns—of real investors in the hopes that these lists might spur some thinking about your own situation and what matters most to you. You can learn more about the fresh start effect by listening to this episode of Choiceology with Katy Milkman and guest Richard Thaler, winner of the Nobel Prize in Economics. Subscribe to Financial Decoder for free on Apple Podcasts or wherever you listen. Financial Decoder is an original podcast from Charles Schwab. If you enjoy the show, please leave a ★★★★★ rating or review on Apple Podcasts.    Important Disclosures: Please read the Schwab Intelligent Portfolios Solutions™ disclosure brochures  for important information, pricing, and disclosures related to the Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium programs. Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium™ are made available through Charles Schwab a Co. Inc. (“Schwab”), a dually registered investment advisor and broker dealer. Portfolio management services are provided by Charles Schwab Investment Advisory, Inc. (“CSIA”). Schwab and CSIA are subsidiaries of The Charles Schwab Corporation. Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium™ are designed to monitor portfolios on a daily basis and will also automatically rebalance as needed to keep the portfolio consistent with the client’s selected risk profile. Trading may not take place daily. Diversification, automatic investing and rebalancing strategies do not ensure a profit and do not protect against losses. The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Investing involves risk including loss of principal. Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (1119-9D60)