The labor economist and author, Teresa Ghilarducci, discusses the country’s retirement crisis, guaranteed retirement accounts, and what behavioral finance gets wrong. Ghilarducci joined the New School for Social Research as a professor of economics in 2008, after teaching at Notre Dame for 25 years. At the New School, she also directs the Schwartz Center for Economic Policy Analysis, which focuses on economic policy research and outreach. Ghilarducci has frequently testified before U.S. Congress on matters of retirement planning. She has also published numerous research pieces in economics journals and has authored several books. Her most recent "Rescuing Retirement" is coauthored by Tony James, Executive Vice Chairman of the Blackstone Group. She received her bachelor's and doctorate degrees in economics from the University of California, Berkeley.