This week on the Standard Deviations Podcast, Dr. Daniel Crosby is joined by Mac Gardner.

Mac Gardner, CFP® – Founder and Chief Education Officer for FinLit Tech – has served in the Financial Services industry for over 20 years. His passion for educating others led him to publish two books, “Motivate Your Money!” and “The Four Money Bears”. As the Founder and Chief Education Officer of FinLit Tech he works to build a bridge between Financial Literacy and Financial Technology.

Tune in to hear:

  • What life experiences gave rise to Mac Gardner’s mission to improve financial literacy particularly among children?
  • What is Mac’s book, The Four Money Bears, all about and how has his experience been when sharing it with others all over the globe?
  • Does Mac have any particularly memorable anecdotes about sharing the book in a classroom setting, or elsewhere, where he learned something unique from kids’ reactions? 
  • Where are we falling short as a society and industry that’s allowing people to have such a huge gap in their financial education?
  • Financial literacy education efforts often show lackluster results. How can we make financial literacy work for us in practice and not just in theory?
  • What does Mac think the future of gamification will look like with respect to financial literacy?
  • How can we properly use allowance to better teach our kids about the value of a dollar?
  • How can parents with privilege help their kids gain some perspective on things?

Compliance Code: 0915-OAS-3/31/2023


Educated at Brigham Young and Emory Universities, Dr. Daniel Crosby, the personality behind STANDARD DEVIATIONS podcast, is a psychologist and behavioral finance expert who helps organizations understand the intersection of mind and markets.

Dr. Crosby’s first book, Personal Benchmark: Integrating Behavioral Finance and Investment Management, was a New York Times bestseller. His second book, The Laws of Wealth, was named the best investment book of 2017 by the Axiom Business Book Awards and has been translated into Japanese, Chinese, Vietnamese and German. His latest work, The Behavioral Investor, is an in-depth look at how sociology, psychology and neurology all impact investment decision-making.