저자 Carl Richards

저자 Carl Richards

저자 Carl Richards

저자 Carl Richards

I’ve been wrestling with a question for years: Why do I always call Jason? Jason is a friend of mine who always affirms my ideas. This essay and sketch was my attempt to confront confirmation bias head-on. We’re wired to seek agreement. But that’s how bad decisions happen. In this episode of Behavior Gap Radio, I share the story behind it, and how …

I’ve always been fascinated by this idea: We feel about as much emotional connection to our future selves as we do to a stranger. That explains a lot, doesn’t it? It makes saving hard. It makes planning even harder. This is one of the ideas I explore in Your Money: Reimagining Wealth in 101 Simple Sketches, coming October 21, 2025. It’s sketch #82.…

저자 Carl Richards

When markets get scary, most people yell: DO SOMETHING! And most advisors respond with stats, charts, and long-term return arguments. But that’s not what people actually need. At least, not first. This is a behind-the-scenes look at one of my favorite essays in my new book, Your Money: Reimagining Wealth in 101 Simple Sketches. It’s called “Scary M…

Every investor has felt it. The panic. The urge to act. The voice in your head saying: “Just get me out.” This is The Big Mistake. And if you’re not careful, it can undo years of thoughtful planning. In this video, I share the story behind one of my favorite sketches: The Big Mistake. This sketch and essay are #54 of 101 in my new book, Your Money:…

This might be the simplest sketch I’ve ever made. It’s just four shapes and one word: Diversification. But if you’ve ever built a REAL portfolio, you know exactly what it means. Here’s the uncomfortable truth most people miss: If you’re diversified the right way, you’ll always own something you don’t like. In this behind-the-scenes video, I unpack …

In this episode of Behavior Gap Radio, Carl introduces a new framework he’s been exploring for decades: the discipline of fullness. Inspired by natural lifestyle advocate Tony Riddle’s audacious barefoot running project, Carl unpacks how living a full, intentional life isn’t about white-knuckled discipline or deprivation. Instead, it’s about fillin…

After an unplanned two-month break, Carl returns to Behavior Gap Radio with reflections on routines, streaks, and what truly matters. In this episode, he shares how stepping away revealed the difference between serving a tool and letting a tool serve you. From creative practices to daily habits, Carl explores how to use routines in ways that suppor…

Most budgeting advice feels like punishment. That’s how it felt to me, too... until I realized something simple but powerful: 💡 Money’s natural state is motion. That’s why we call it currency! 💡 And what really matters? Paying attention to where it’s going. In this behind-the-scenes video, I talk about one of my favorite essays and sketches from my…

We’ve been told to spend less. Cut back. Control ourselves. But what if we practiced spending better instead? This is my behind-the-scenes thinking that shaped essay #30 in my new book, Your Money, coming out in October 2025. The essay is called “The Spending Practice." This essay talks about guilt, values, and why learning to spend with intention …

This essay is from my new book, "Your Money: Reimagining Wealth in Simple Sketches." It’s called “Enough Is Enough,” and in this episode, I unpack how we confuse more with better—and what it really means to have enough. It’s a story about investing, dessert, and clarity. Because enough can't be a number. If enough is a number, you'll never have eno…

This essay might be one of the most important from my new book, "Your Money: Reimagining Wealth in Simple Sketches." It’s called "Life Meets Money" and it’s about what really drives good financial decisions. Not markets. Not headlines. But the messy, human stuff underneath: goals, timing, fear, meaning. This is my behind-the-scenes thinking that sh…

In this episode, Carl asks a provocative question: What’s the minimum effective dose of money? Just like medicine or exercise, more isn’t always better, and sometimes it’s harmful. Instead of chasing endless income, Carl invites us to define the results we actually want—freedom, security, joy—and then ask: What’s the least amount of money needed to…

In this episode, Carl shares three quick stories—a successful entrepreneur feeling like a failure, a heartfelt compliment from his daughter, and a wildly accomplished friend still stuck in comparison. The punchline? Comparison is the thief of joy. But unlike most thieves, this one can be stopped. Carl invites you to join him in a “comparison audit”…

In this episode, Carl explores the quiet panic so many of us are feeling about the future, especially young adults and the parents who love them. From canceled programs to crumbling plans, what do you do when the ground keeps shifting? Carl makes the case for a new kind of planning, one rooted not in certainty but in resilience. Not prepping for on…

In a world of AI-generated books, endless content, and virtual everything… maybe the rarest thing isn’t more information—it’s real human connection. In this episode, Carl asks a provocative question: What if the answer isn’t to become more like a machine, but more like a human? Because connection—the kind that happens face-to-face, heart-to-heart—i…

What does independence really mean? In this special Independence Day episode of Behavior Gap Radio, Carl unpacks the myth of the self-made person and explores the deeper truth: Real freedom isn’t about doing it all alone. It’s about knowing when to stand on your own—and when to lean on others. Want more from Carl? Get the shortest, most impactful w…

What if money is just a cheap shortcut? In this episode of Behavior Gap Radio, Carl shares a story about grandma’s dinner and explores the deeper forms of value we often overlook—like friendship, generosity, and shared purpose. Sometimes writing a check is the easy way out. But what if there’s something more valuable than money? Want more from Carl…

What’s at the center of your life? In this episode of Behavior Gap Radio, Carl explores the idea that, for many of us, money has quietly become the organizing principle around which everything else revolves. But what if we chose something else? Family? Time? Meaning? It's worth asking. Want more from Carl? Get the shortest, most impactful weekly em…

What if the problem isn’t you—it’s what we’ve been told is normal? In this episode of Behavior Gap Radio, Carl challenges our deeply held assumptions about money, enoughness, and the quiet madness of chasing what everyone else is chasing. Maybe the real goal is to be a little less normal… and a little more weird. Want more from Carl? Get the shorte…

In this episode, Carl revisits his favorite money metaphor—gathering wood for a fire—and adds a new layer: What kind of fire are you building? A small cabin fire or a 10,000-square-foot mountain lodge bonfire? The size of the fire changes everything. From burn rate to outflow, Carl explores how the metaphors we use shape the way we think about mone…