Thinking of what you should do instead of what you must do or want to do actually brings out the exact opposite response we are looking for when it comes to behavior change in personal finance.

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This would ensure that the trust would be a safety net, as intended, and not a windfall that could finance some frivolous or self-destructive behavior.

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"Insiders' behavior is predictive, " says Nejat Seyhun, a finance professor at the University of Michigan and author of Investment Intelligence From Insider Trading.

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What's more, CNN is among the news outlets reporting that Gary Schultz, Penn State's former vice president for finance and business, kept a secret file on Sandusky that included e-mails among administrators about inappropriate behavior.

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