Financial planner and Morningstar Advisor columnist Richards explains why we keep making bad choices with our money based on our emotions and succeeds in showing us howwhat we often think is right regarding investments rarely is.

When his mother moves their family to the city, Frisk, an adventurous fox cub, gets excited about exploring and, instead of sleeping during the day when it is safe, he begins following a girl to school and learning about "magic white marks" called letters.