>> I went to Penn State University, and I was a finance major
at Smeal, the Smeal Business School.
And my first job was actually at the US Treasury Department.
And I encourage anyone watching to use the Penn State Placement Center
because that's how I got my job.
And this is back in '83.
So, if it was -- if the placement center was good in '83, it has to be even much better now.
But my first job was with the US Treasury Department as a bank examiner.
And I learned -- at the time, I did that for about two years.
I noticed that it was a little bit heavy on numbers which is okay
because I was a finance major but I started to realize that I was probably a little bit better
at talking to people in addition to covering numbers.
So the money management field was actually a very good fit for me.
And, in addition to encouraging students that are watching to use the placement center,
really take an inventory of what you're good at, what your skills are.
Everyone has God-given skills.
Some people are good understanding people.
Some people are good listeners.
Some people are good talkers.
But I think a lot of times young people will gravitate towards something that may pay a lot
of money as opposed to first saying to themselves, Hey.
What am I good at?
What do I excel at?
What aren't I good at?
What setting do I not like?
What do I like?
So it took a couple years for me to realize that the Treasury Department, even though I loved it
and I was so thankful that Penn State had the placement center and it was a very hard job
to get, I just thought I should branch off into money management where I could work with people
and their families and individuals and their families.
And a lot of what I learned, I used.
You know, not to bore you but, when you're a finance major,
you learn about Federal Reserve policy.
You learn about interest rates.
You learn about the global economy.
You learn about economics.
So all those things I learned at Penn State I used at the Treasury Department.
And now what I'm doing is I'm actually using that to help people manage their money.
And, like I said, I tend to focus on bonds.
So I guess the moral of the story is I didn't really like economics when I was a student,
but the funny thing is that's all I talk about now.
Now I really like it.
So isn't that funny.