dr. elizabeth dunn. she's author of "happy money: the science of smarter spending." thank you. - thank you. still ahead, ivy-league schools are becoming "unhappy" with treasuries. is a major shift happening in the bond market? and, what it could mean for your portfolio. that's right after the break. ivy-league universities are reducing positions in treasuries. lincoln ellis of strategic financial group joins us on the show this morning. good morning. and why are schools selling off on treasuries? that was once a strong core holding. - that's right. they have been a strong core holding, not only for ivy league institutions, but for institutional investors around the world, really for the past 30 years. and if you think about where we are in terms of that trade, we are probably at the latter stages of that game. so, a lot of these institutions are looking at that risk-reward and reducing that exposure and looking for opportunities elsewhere in the market. - you have been in the market for a long time now. what should they be doing? - i think that's probably the right w