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Speech Title: Retirement Gap Professor Kevin Bracker started his career at Pittsburg State University in the fall of 1995 and has taught a variety of finance courses over the many years since. In all of his classes, he integrates the topics of financial planning and behavioral finance as he believes these are essential elements to making smarter financial decisions for individuals. Outside of his professional career, he is married to his high-school sweetheart, Debbi Bracker. Their daughter, Sarah Bracker, is planning to graduate from Missouri State University with a degree in fashion design in May. He likes to stay active by running and has completed a variety of races from 5K to 100 miles. Professor Kevin Bracker started his career at Pittsburg State University in the fall of 1995 and has taught a variety of finance courses over the many years since. In all of his classes, he integrates the topics of financial planning and behavioral finance as he believes these are essential elements to making smarter financial decisions for individuals. Outside of his professional career, he is married to his high-school sweetheart, Debbi Bracker, and their daughter, Sarah Bracker, is planning to graduate from Missouri State University with a degree in fashion design in May. He likes to stay active by running and has completed a variety of races from 5K to 100 miles. This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at https://www.ted.com/tedx