Stephen Wendel is the Head of Behavioral Science at Morningstar, a leading provider of independent investment research. He and his team of behavioral scientists and practitioners specialize in savings and investing behavior, as well as digital products that help individuals manage their money more effectively. He founded the Action Design Network in 2012 and has authored three books, the most recent of which is titled “Spiritual Design: Enrich Your Spiritual Practice with Lessons from Behavioral Science.” He has graciously made free download of this book available at www.spiritualdesign.co/book.   Steve joins our hosts Zarak and Erik to discuss the unique application of behavioral science to spirituality and religion. Many individuals have certain values they want to live by, but fall into the classic trap of "All or Nothing." This happens when we think we need to go to the gym every day if we’re fit; save or invest every penny if we’re financially responsible; or constantly go to houses of worship and give to charity if we value certain beliefs. Since this approach usually isn’t sustainable for most people, Steve explains techniques to design environments for ourselves that are more conducive to following our beliefs and expressing our faith in ways that are doable and fulfilling.