John D. Spooner is a Managing Director of Morgan Stanley and also a best-selling author of No One Ever Told Us That: Money and Life Letters to My Grandchildren and Do You Want to Make Money or Would You Rather Fool Around? He lectures widely and has appeared on Wall Street Week, CNBC, and National Public Radio. Mr. Spooner is a guest commentator on Taking Stock on Bloomberg National Radio. For live coverage starting today at 10:45 a.m., click here.