Behavior Gap Radio: Exploring human behavior...with a Sharpie

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Why do humans do what they do? Carl Richards uses a Sharpie to explore human behavior around money, emotions, creative work and just about everything else people decide to try. Behavior Gap Radio captures Carl's stories and insights. Each episode comes with a free download of a Behavior Gap sketch.

Carl Richards: Human Behavior, Creativity, Behavioral Finance


    • Jun 23, 2025 LATEST EPISODE
    • weekdays NEW EPISODES
    • 5m AVG DURATION
    • 807 EPISODES

    Ivy Insights

    The Behavior Gap Radio: Exploring human behavior...with a Sharpie podcast is a must-listen for anyone in the financial planning industry or those who are interested in personal growth and mindset. Hosted by Carl Richards, this podcast offers short, thought-provoking episodes that challenge listeners to rethink their internal programming and view their practices and lives in a new light.

    One of the best aspects of this podcast is Carl's ability to cut directly to the core of what matters most. He has a unique gift for making complicated concepts simple and relatable, which is incredibly valuable in the world of financial planning. His insights and ideas linger long after each episode, influencing interactions with coworkers and clients. The episodes are also conveniently short, ranging from 5 to 10 minutes, making them perfect for quick bursts of inspiration and reflection.

    Another great aspect of this podcast is how unfiltered Carl is. He shares his raw and honest thoughts, which often lead to profound realizations and changes in perspective. His authenticity shines through in each episode, creating a genuine connection with listeners.

    While there are countless positive aspects of this podcast, one potential drawback is its format. The episodes consist of random thoughts and reflections from Carl, making it difficult to find specific topics or gems that you may want to revisit later on. However, the messy format does not detract from the overall value and impact of the content.

    In conclusion, The Behavior Gap Radio: Exploring human behavior...with a Sharpie podcast is an incredibly insightful resource for financial planners and anyone interested in personal growth. Carl Richards' ability to communicate complex ideas with simplicity is remarkable, while his unfiltered approach adds an extra layer of authenticity to each episode. This podcast has the power to change perspectives, inspire action, and ultimately make a positive difference in both professional practices and lives as a whole.



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    Latest episodes from Behavior Gap Radio: Exploring human behavior...with a Sharpie

    1317 | Gather More Wood

    Play Episode Listen Later Jun 23, 2025 5:00


    1316 | The Game We Can't Stop Playing

    Play Episode Listen Later Jun 20, 2025 6:44


    1315 | What Is Money, Anyway?

    Play Episode Listen Later Jun 19, 2025 5:56


    1314 | Money as Agent of Chaos

    Play Episode Listen Later Jun 18, 2025 4:07


    1313 | Deep Shift Ep. 3

    Play Episode Listen Later Jun 9, 2025 8:37


    In this episode of the Deep Shift series, Carl explores how tactical curiosity—like obsessing over budgeting apps or fueling strategies—often hides something deeper. What starts as a surface-level decision can lead to a powerful emotional insight. Maybe it's not about interest rates… maybe it's about fear, identity, or old family patterns. Carl walks us through why it's easier to talk spreadsheets than shame—and how simply asking, “Why are you asking?” can crack open the truth.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

    1312 | Deep Shift Ep. 2

    Play Episode Listen Later Jun 6, 2025 5:08


    In episode two of the Deep Shift series, Carl names the chase we all know too well: tactical curiosity. The frantic hunt for the perfect app, book, or tool isn't really about solutions—it's often a way to avoid the deeper, scarier questions. This episode invites you to pause the chase and ask, “What am I really trying to solve for?” Because awareness—not another download—is where real change begins.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

    1311 | Deep Shift Ep. 1

    Play Episode Listen Later Jun 5, 2025 3:37


    In this first episode of a new series, Carl introduces the Deep Shift framework—his attempt to map the real journey of change. It's not about picking the right tactic or finding more information, it's about uncovering what's blocking the doing. From tactical curiosity to deep ritual, Carl explores why lasting change starts below the surface… and invites you to walk through it with him.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

    1310 | Be The Wise Money Friend

    Play Episode Listen Later Jun 4, 2025 5:23


    In this wrap-up to the Your Wise Money Friend series, Carl shares where the idea came from and why it matters. People don't want another financial plan—they want to feel okay. They want someone to walk with, someone who listens with golden-retriever-level curiosity. In this episode, Carl challenges us to become that kind of friend: no agenda, no judgment, just love, presence, and deep curiosity. Turns out you don't need to know anything about money to be a wise money friend. You just have to care.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

    1309 | A Wise Money Friend Holds the Mirror Gently

    Play Episode Listen Later Jun 3, 2025 1:47


    In the final episode of the Your Wise Money Friend series, Carl reflects on what it means to hold the mirror gently. A wise money friend helps you see what's really there—not with blame, but with compassion. It's that rare mix of an empathetic hug and a well-timed kick in the butt. Because real clarity doesn't come from shame—it comes from being seen, kindly.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

    1308 | A Wise Money Friend Asks Better Questions

    Play Episode Listen Later Jun 2, 2025 1:25


    In episode nine of the Your Wise Money Friend series, Carl highlights a defining trait of true support: Instead of rushing to give answers, instead asking better questions. The kinds of questions that invite reflection, spark clarity, and open doors. Because real change doesn't come from advice, it starts with curiosity.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

    1307 | A Wise Money Friend Doesn't Have an Agenda

    Play Episode Listen Later May 30, 2025 0:53


    In this episode of the Your Wise Money Friend series, Carl shares a simple but rare truth: A wise money friend doesn't have an agenda. They're not selling, fixing, or convincing. They're just fully present—genuinely invested in your clarity. Once you've felt that kind of presence, you don't forget it… and you stop settling for anything less.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

    1306 | A Wise Money Friend Believes You're Enough

    Play Episode Listen Later May 29, 2025 2:36


    In this episode, Carl continues the Your Wise Money Friend series with a powerful reminder: A wise money friend believes you are enough—even when you feel like you've screwed everything up. They don't excuse your mistakes, they restore your dignity. Because real change doesn't come from shame, it comes from remembering who you are.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

    1305 | A Wise Money Friend Doesn't Judge the Dream

    Play Episode Listen Later May 28, 2025 2:51


    1304 | A Wise Money Friend Respects Your Timing

    Play Episode Listen Later May 27, 2025 1:23


    In episode five of Your Wise Money Friend, Carl reflects on how true wisdom isn't pushy. A wise money friend doesn't rush your process or pressure your decisions—they wait with you. Because they know money decisions are rarely urgent, and often about something much deeper: identity, emotion, and transition.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

    1303 | A Wise Money Friend Helps You Pause

    Play Episode Listen Later May 26, 2025 1:38


    In episode four of Your Wise Money Friend, Carl shares how a wise money friend helps you pause, not to stop you, but to give you space. Space between the impulse and the action. Space to breathe, to feel, and to choose. Because the point isn't control—it's clarity. And that little pause? That's where alignment begins.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

    1302 | A Wise Money Friend Knows It's All Connected

    Play Episode Listen Later May 23, 2025 1:25


    In episode three of Your Wise Money Friend, Carl reminds us that to a wise money friend, your story is never just about money. They listen between the lines—because behind every financial decision is something deeper: fear, joy, dreams, love. A wise money friend knows it's all connected, and that's where the real conversation begins.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

    1301 | A Wise Money Friend Is Curious, Not Correct

    Play Episode Listen Later May 22, 2025 1:02


    In episode two of Your Wise Money Friend, Carl explores the idea that wisdom isn't about being right—it's about being present. A wise money friend won't hand you a to-do list or correct your choices. Instead, they ask the deeper questions that help you see yourself more clearly. Because the goal isn't certainty, it's clarity.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

    1300 | A Wise Money Friend Doesn't Shame You

    Play Episode Listen Later May 21, 2025 3:05


    1299 | Wise Money Friend Intro

    Play Episode Listen Later May 20, 2025 2:13


    1298 | What Did You Feel?

    Play Episode Listen Later May 19, 2025 1:54


    1297 | The Spending Practice

    Play Episode Listen Later May 16, 2025 0:52


    1296 | Transaction to Transformation

    Play Episode Listen Later May 15, 2025 1:31


    1295 | Embedding Values Into Transactions

    Play Episode Listen Later May 14, 2025 2:02


    1294 | The Feeling of a Transaction

    Play Episode Listen Later May 13, 2025 2:02


    1293 | Installed by Accident

    Play Episode Listen Later May 12, 2025 1:35


    1292 | If Your Banking App Had a Soul

    Play Episode Listen Later May 9, 2025 1:31


    1291 | Rewrite The Code

    Play Episode Listen Later May 8, 2025 2:19


    1290 | You Don't Need More Financial Advice

    Play Episode Listen Later May 7, 2025 2:29


    1289 | Insight Instead of Shame

    Play Episode Listen Later May 6, 2025 2:36


    1288 | Emotionally Loaded

    Play Episode Listen Later May 5, 2025 3:38


    1287 | More Money, More Possibility?

    Play Episode Listen Later May 2, 2025 5:22


    We've all heard it: “More money, more problems.” But what if that's only one way to see it? In this episode, I share a conversation with Rabbi Shira Stutman that helped shift my perspective from viewing money as a burden to seeing it as a tool for possibility. It's a simple lens change… but it might just change everything, especially if you've ever felt guilty, ashamed, or stressed about wanting more.This isn't just about money.It's about how we see the world:Problems… or possibilities?

    1286 | Certainty Sounds Like Shouting

    Play Episode Listen Later May 1, 2025 10:39


    A real email exchange about a home repair gone wrong reveals something deeper: how writing without curiosity—especially when we're certain we're right—can turn a simple message into emotional kindling.

    1285 | You're the Bottleneck (And That's Good News)

    Play Episode Listen Later Apr 30, 2025 7:28


    If you're frustrated by bottlenecks in your projects, teams, or creative work... look closer. It might be you. In this episode, Carl shares why that's actually good news—and how entrepreneurship, at its best, is a brutal but beautiful path to personal growth.

    1284 | More Money Won't Fill the Hole

    Play Episode Listen Later Apr 29, 2025 3:00


    We all say money can't buy happiness. But deep down, are we hoping it can remove our unhappiness? In this episode, Carl flips the script—and asks what hole we're really trying to fill.

    1283 | What Are You Solving For?

    Play Episode Listen Later Apr 29, 2025 2:17


    1282 | Into the Fire

    Play Episode Listen Later Apr 25, 2025 6:42


    1281 | Stop Hoping for a Better Past

    Play Episode Listen Later Apr 24, 2025 6:25


    1280 | Rise Above It

    Play Episode Listen Later Apr 23, 2025 4:15


    1279 | Don't Throw in the Towel

    Play Episode Listen Later Apr 22, 2025 8:04


    Feeling stuck in a loop? Like every day is just… the same? In this episode, Carl explores what happens when purpose goes missing—and why the smallest spark can change everything. From “bullshit jobs” to freshman soccer referees, this one's about reclaiming meaning in ordinary moments. You don't need a big dramatic change. But you do need to decide not to throw in the towel.

    1278 | Would You Die for It…or Just Do the Dishes?

    Play Episode Listen Later Apr 21, 2025 6:04


    1277 | Find Your Fire

    Play Episode Listen Later Apr 18, 2025 8:37


    Ever felt that spark when watching someone do something incredible—like you're catching a glimpse of pure passion in action? That feeling isn't random. It's a clue, a breadcrumb, guiding you toward what makes you come alive. In this episode of Behavior Gap Radio, Carl reveals exactly how to decode these moments, uncover your own passion, and turn inspiration into action. Because the world doesn't need more people just getting by—it needs you to Find Your Fire.

    1276 | Expect Feelings

    Play Episode Listen Later Apr 17, 2025 2:05


    1275 | Sensations Over Stories

    Play Episode Listen Later Apr 16, 2025 5:17


    1274 | One Square Inch of Solid Ground

    Play Episode Listen Later Apr 15, 2025 5:32


    When everything feels risky, uncertain, or just plain overwhelming, the answer isn't to do more—it's to do less. In this episode, Carl shares a simple, surprising way to find solid ground when life feels like it's spinning. It starts with one square inch. And it might be enough to change everything.

    1273 | The Practice Is the Point

    Play Episode Listen Later Apr 14, 2025 14:24


    1272 | What Are You Waiting For?

    Play Episode Listen Later Apr 11, 2025 6:14


    1271 | The One Thing That Changes Everything (About Your Money Decisions)

    Play Episode Listen Later Apr 10, 2025 14:37


    1270 | Questions, Not Advice

    Play Episode Listen Later Apr 9, 2025 3:11


    1269 | The Market Didn't Make You Scared

    Play Episode Listen Later Apr 8, 2025 4:23


    1268 | We Are Wasting Our Lives

    Play Episode Listen Later Apr 7, 2025 13:53


    1267 | The Time Illusion

    Play Episode Listen Later Apr 4, 2025 12:51


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