The creator of ‘Erin Talks Money’ discusses the value of professional advice, preparing for cognitive decline, and fear-based underspending. Our guest on the podcast today is Erin Moriarity. Erin is the originator of the Erin Talks Money channel on YouTube, where she explains personal finance and retirement planning concepts with easy-to-understand videos. Erin received her bachelor’s degree in business at Northern Michigan University and completed the Certified Financial Planner program at The Ohio State University. We loved hearing about Erin’s thought process on providing financial information to people who weren’t being well-served by traditional financial advice models. Erin also explained why people shouldn’t worry too much about Social Security benefits going away due to lack of funding, and the value of working with an advisor later in life, even if you’re a do-it-yourself investor. Erin Talks Money YouTube channel: https://www.youtube.com/@ErinTalksMoney Episode Highlights More From Morningstar Stefan Sharkansky: The Retirement Rule That Leaves Too Much Money Behind https://youtu.be/LNigDSimJmo?si=Kec3c6BB_MX0E9mH Brett Arends: Worried About Outliving Your Money? There’s an Answer https://youtu.be/vvenMk-b8BA?si=BlTgPauNqXg2yf5k Jean Chatzky: How to Create a Forever Paycheck for Retirement https://youtu.be/YfPlcduQQ9w?si=MzXYMxX5efTHwvDx If you have a comment or a guest idea, please email us at TheLongView@Morningstar.com. Follow The Long View on social media: Christine Benz on X (@christine_benz) https://x.com/christine_benz Ben Johnson on X (@MstarBenJohnson) https://x.com/MstarBenJohnson Christine Benz on LinkedIn: https://www.linkedin.com/in/christine-benz-b83b523 Amy Arnott on LinkedIn: https://www.linkedin.com/in/amy-c-arnott-cfa-6a1a7331 Ben Johnson on LinkedIn: https://www.linkedin.com/in/ben-johnson-cfa-5a288175 Subscribe to Christine’s weekly newsletter, Improving Your Finances https://www.morningstar.com/newsletters/improving-your-finances Visit Morningstar.com for new research and insights from Christine, Ben, and Amy. This episode is sponsored by Vanguard: https://advisors.vanguard.com/engagement/fixed-income