Life Skills, Episode 5: Money. A 6-minute plain-language lesson: be your own default. Design beats knowledge: financial education moves knowledge +0.20 SD but behavior only +0.10 SD (Kaiser et al. 2022, 76 RCTs), and effects fade (Fernandes 2014). Automatic enrollment moved 401(k) participation from 37% to 86% (Madrian & Shea 2001). Savings on hand is most strongly linked to financial well-being (CFPB 2017: 41 vs 68). Compounding worked through: $200/month for 30 years = $72,000 contributed, ~$244,000 at an assumed 7%; rule of 72. The Big Three questions (compounding, inflation, diversification): under 30% get all right (NFCS 2021). ~84% of active large-cap funds trailed the S&P 500 over 10 years (SPIVA, approximate). Do this week: one automatic transfer the day after payday, emergency fund first.