Podcasts about marketplace money

Your retirement? You could wing it, but that's not you. Design Your Future.  Join our Design Your New Life in Retirement Program – two new groups start in January. Learn more _______________________ To retire or to work longer? There's another option that may be just right for you - semi-retirement. We catch up with Liz Weston, who retired from NerdWallet earlier this year on how its working for her - and what you can learn from her experience. Liz Weston joins us from California. _______________________ Bio Liz Weston is an award-winning personal finance columnist, speaker, commentator and author of several books about money. She earned the Certified Financial Planner® designation in 2016. Her question-and-answer column “Money Talk” appears in newspapers throughout the country, including the Los Angeles Times, the San Diego Union-Tribune, Palm Beach Post and the  Oregonian. Liz Weston's  book “Your Credit Score” is a national best-seller now in its fifth edition. The New York Times called one of her other books, “The 10 Commandments of Money: Survive and Thrive in the New Economy,” a “wonderful basic personal finance book…supportive of people struggling to understand these topics and trying to make ends meet.” You may have heard Liz Weston on public radio as she's contributed to American Public Media's “Marketplace Money,” and NPR's “Talk of the Nation” and “All Things Considered.” She's appeared on “Dr. Phil,” “Today Show” and NBC Nightly News, and was for several years a weekly commentator on CNBC's “Power Lunch.” ________________________ For More on Liz Weston Ask Liz Weston _______________________ Podcast Episodes You May Like Retiring: Creating a Life That Works for You – Teresa Amabile The Balancing Act in Retirement – Stew Friedman The Portfolio Life – Christina Wallace The Joy You Make – Steven Petrow _______________________ On Deciding to Retire...and Joy "I think what surprised me the most is how fun this is. That was what I was really worried about - what would retirement be like? So many people are rushing towards it, and they don't really think about what life will be like afterwards. And I was thinking a lot about how I would spend my time, what I would do, what the challenges might be, and what's caught me by surprise is just this feeling of joy. I feel like a kid on the first day of summer vacation, and I know this won't last. Everything changes. This is kind of the honeymoon period, but yeah, it's really fun.Well, I'm incredibly blessed and lucky that the financial stuff was in place. It was taken care of, and it allowed me to retire a little bit earlier than the norm. But again, the other thing that surprised me was how hard that decision was to make, because I really loved what I did...And then a friend and former colleague of mine died in a car accident. And he was only 61 and we'd spent a lot of time talking about what we were going to do in retirement. And it brought home the fact that we don't have infinite time." On Semi-Retirement - and Off-Ramps "I think it's the best option, especially, if you like what you do, and you have skills that can continue on in retirement where you don't need to work full-time. I had really wanted an off-ramp from my job at NerdWallet, and they didn't support working part-time. So that was kind of a difficult thing to wrap my head around and realize, okay, I don't have this option, so this was the next best. A lot of companies, though, do have some kind of off-ramp, and I think it helps people a lot because you keep your foot in the workplace, you can have continuing, you know, because social interaction is so important, you can have that part of your identity still remain intact so you have that sense of purpose. You're making some money, which for a lot of people is really important to make their money last, but you're starting the process of exiting. And just as a rant on the side,

This episode is brought to you by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Profit Line: The Outsourced Finance & Accounting Department for Small and Medium Sized Businesses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ * This episode is brought to you by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Oberle Risk Strategies⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: Insurance Broker and Insurance Due Diligence Provider for Search Funds and Other Small-to-Medium-Sized Businesses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ * Today I am thrilled to welcome Carl Richards to the podcast. Carl has spent decades as a Certified Financial Planner, is the creator of the Sketch Guy column (which appeared weekly for a decade in The New York Times), is a best selling author (most notably of The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money), is a podcaster (most recently, the host of 50 Fires: A Podcast About Money and Meaning), and is a frequent contributor to countless financial and other publications, including Morningstar Advisor, Marketplace Money, Oprah.com, and Forbes.com, among others. In our conversation today, we cover: How in some instances money can indeed buy happiness; Why money is like alcohol; Why you should aim to “die with zero”; How to run small experiments to see what types of spending are likely to produce happiness for you; Why you may want to think about money as you would gathering firewood in a remote cabin in the wilderness; And much, much more.

Financial expert Paula Pant explains how you can afford anything, but not everything. It's oh-so-easy to look at shiny, quickly rewarding options for your money as a ticket to financial independence. A big hit on the stock market; a hockey sticking cryptocurrency; an app that can put you on the path to easy street. But truly building financial independence is a life-long process, says Paula Pant, the host of the Afford Anything podcast. Think of your finances like a tree. While the leaves and fruit are grabby and exciting, they aren't where the tree's strength lies: that's in the roots. So too do healthy finances begin from a core base: figuring out what you value most, what you truly want to afford. From there, you can make the long term plans to see that come to fruition. With a stable, value-driven approach and some discipline, a world of freedom can open before you. You may not be able to buy everything, but you can buy anything. 0:00 Afford anything (not everything) 1:03 First principles thinking 2:30 Financial independence 3:35 Simple steps to independence 4:31 The 20% rule 5:18 Survive a scary economy About Paula Pant: Paula Pant is the host of the Afford Anything podcast, an award-winning show with more than 24 million downloads. It was named by the New York Times as one of “7 Podcasts Your Wallet Will Love.” She is also the founder of Afford Anything, a personal finance brand with more than 75,000 newsletter subscribers. She is a Knight-Bagehot Business and Economics Journalism Fellow at Columbia University. Pant is frequently featured in financial media including Money Magazine, the Washington Post, Oprah.com, CNBC, Fortune, Marie Claire, Marketplace Money, Men's Health, Real Simple, Outside Magazine, Cosmopolitan, the New York Times, and more. She's spoken at the “Talks at Google” series and guest lectured at Georgetown University. She lives in New York City. --- Send in a voice message: https://podcasters.spotify.com/pod/show/bigthink/message Learn more about your ad choices. Visit megaphone.fm/adchoices

Curiosity and prioritizing clients' problems is an essential skill in financial advising.In this episode, Ana Trujillo Limón, Director, Coaching and Advisor Content, speaks with Carl Richards, Founder of The Society of Advice, about why it's important for advisors to understand that their clients' priority is their problem, not the advisor's solutions. They emphasize the need for advisors to stay curious, gather information about their clients' current issues, and address the challenge of delivering certainty. Additionally, they discuss the evolving role of financial advisors and the significance of the field of financial therapy.Carl discusses: Why it's important for advisors to understand that people don't care about your solutions, they care about their problemsHow advisors can stay curious and gather information from their clients about what their current problems areWhy certainty is easy to solve but almost impossible to deliverWhat advisors aren't doing but should be doing to help their businesses and firmsHow he works through feelings of fear, and why advisors shouldn't try to get rid of itWhy the field of financial therapy will become much more meaningfulThe evolving role of financial advisors and why they might soon resemble media companies more than traditional banksAnd moreResourcesCrazy Loco Love: A Memoir by Victor Villasenor MBS.worksConnect with Jamie Hopkins and Ana Trujillo Limón: Carson Group LLCLinkedIn: Jamie HopkinsLinkedIn: Ana Trujillo LimónConnect with Carl Richards:The Society of AdviceBehavior GapLinkedIn: Carl RichardsAbout our Guest: Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, which appeared weekly for a decade in The New York Times. Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.

Summary In this episode I get to have a brilliant conversation with bestselling author, New York Times columnist and founder of The Behaviour Gap Carl Richards. Carl is internationally renowned for his ability to explain complex financial concepts in an easy-to-understand manner through his sketches and books. We discuss the importance of real financial planning, and the challenges people face in retirement. Carl shares his insights and experiences on how to overcome the behavioural, emotional, and financial challenges of life after work. This episode provides valuable advice and inspiration for anyone navigating retirement planning. What You'll Learn The idea of retirement as a man-made invention that may not be suitable for everyone, especially those engaged in knowledge work. Retirement may not align with our values and that we may miss out on opportunities to contribute to society and rebuild relationships with loved ones if we retire too early. Retirement is not just a financial problem to be solved with numbers, but a human problem that requires exploration of fears, anxieties, dreams, and aspirations. Many people are unprepared for the emotional and behavioural challenges that come with retirement. The importance of aligning one's values and interests with their retirement plans and finding activities or hobbies that bring joy and fulfilment. About My Guest Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, which appeared weekly for a decade in The New York Times. Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world. Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behaviour Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin). His sketches have appeared in a solo show at the Kimball Art Centre in Park City, Utah, as well as other showings at Parsons School of Design in New York City, The Schulz Museum in Santa Rosa, California, and an exhibit at the Mansion House in London.  His commissioned work is on display in businesses and educational institutions across the globe.

On today's episode, we brought in thought leader, Carl Richards. I've been following Carl for a long time. He is the creator of The Behavior Gap, a Certified Financial Planner™ and the creator of The Sketch Guy column. We had a dynamic conversation that could have extended for hours. Carl opened up about the impact he's made in the wealth advisors and management industry along with his journey to success. We discussed changing the way we deliver client expectations and rerouting them to their goals, the importance beyond becoming emotionally connected with our clients, what the client can and cannot control, and how to make the change as an advisor that may 10x your business.Carl Richards BioCarl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010.Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin).His sketches have appeared in a solo show at the Kimball Art Center in Park City, Utah as well as other showings at Parsons School of Design in New York City, The Schulz Museum in Santa Rosa, California, and an exhibit at the Mansion House in London.His commissioned work is on display in businesses and educational institutions across the globe.Find Carl on social media here:https://www.linkedin.com/in/thinkingcarlhttps://twitter.com/behaviorgapFollow Us And Find More Content For Financial Advisors and Wealth Management Firms At:www.mattreiner.comYouTubeTwitterLinkedInMentioned in this episode:Benjamin

God in the Marketplace (Money, Dave Ramsey, & MLM) For more in-depth content, please visit my other platforms. Website: https://wealthanize.com YouTube: https://youtube.com/c/Wealthanize Land Flipping: https://www.landprofitgenerator.com/landflippingtraining/?orid=174016&opid=49 To work with me directly please visit: https://wealthanize.com/change-your-world/ If you are uncertain about where you will be spending eternity and would like to start a personal relationship with Jesus Christ, please visit our salvation page: ►►https://wealthanize.com/salvation/   *This description may contain affiliate links and we may receive a small commission if you order from our links.

Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010.Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin).His sketches have appeared in a solo show at the Kimball Art Center in Park City, Utah as well as other showings at Parsons School of Design in New York City, The Schulz Museum in Santa Rosa, California, and an exhibit at the Mansion House in London. His commissioned work is on display in businesses and educational institutions across the globe.Find Carl on social media here:https://www.linkedin.com/in/thinkingcarlhttps://twitter.com/behaviorgapMusic in this episode was obtained from Bensound.

In this week's episode, we were fortunate to be joined by Carl Richards of The Behaviour Gap. Carl is a renowned author, a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.

Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world. Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin). His sketches have appeared in a solo show at the Kimball Art Center in Park City, Utah as well as other showings at Parsons School of Design in New York City, The Schulz Museum in Santa Rosa, California, and an exhibit at the Mansion House in London.  His commissioned work is on display in businesses and educational institutions across the globe. Find Carl on social media here:https://www.linkedin.com/in/thinkingcarlhttps://twitter.com/behaviorgap Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!   Check out more about us here: www.moneymechanics.com.au www.scottmalcolm.com.au Check out our Financial Service Guide and Privacy Policy here.   Follow and like us on socials: Instagram: @moneymechanics Twitter: @moneymechanics   Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523   General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.    Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.  See omnystudio.com/listener for privacy information.

Carl Richards CFP® | Author | Creator | Sketch Guy Column BIO: Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world. Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin). His sketches have appeared in a solo show at the Kimball Art Center in Park City, Utah as well as other showings at Parsons School of Design in New York City, The Schulz Museum in Santa Rosa, California, and an exhibit at the Mansion House in London.  Highlights: How to embrace "being human" when thinking about our money relationshipsThe value in knowing you are "safe" as it pertains to your financial lifeWhy money can't provide certainty, security and feeling enoughThe benefits of experiencing "the here and now" vs simply waiting for retirementAccepting that "financial plans" alone are worthlessHow/why focusing on the process and course corrections are the key to financial happinessFinding happiness by holding our goals a "little lighter."How to become more congruent with our financial goals and daily actions Quotes: “Relax; it might not work, but it will be ok” – Carl Richards“Enough is independent of my external circumstances” – Carl Richards“No amount of money will solve money insecurities.” - Carl Richards“You can never get there, only be there,” Carl Richards Links: Carl Richard's Website Behavior Gap: CLICK HEREThe Society of Advice (for Financial Planners): CLICK HERE

Ja'Net Adams is an International speaker, author, and the CEO of EMACK Consulting, but when she was in college she let money rule her life. She graduated from South Carolina State University with a Bachelor of Science in Marketing. A short time after graduation she found herself in nearly $50,000 of debt! She dug out of the debt in two years by following the principles that she now speaks about to audiences all around the world as a professional motivational speaker. She speaks around the world to various corporations, universities and high schools about Financial Literacy. She recently released on Amazon her second book “The Money Attractor! Everyone's Guide To Winning With Money So They Can Live Their Dreams!” and her advice has been featured on BBC, CNBC, Huffington Post, Forbes, Black Enterprise Magazine, Good Morning America, Fox Business, JET Magazine, BizWomenJournal.com, LearnVest.com, USA Today, USA Today College, and NPR's Marketplace Money. We find out why Ja'Net chose South Carolina State University, what was special about Alpha Kappa Psi Professional Co-Ed Business Fraternity, how she dug out of $50,000 of debt in 2 years, how to get employees more engaged at work, what is responsible social media behavior in today's world, advice for college students to get paid internships, how college students can turn their passion into a real business, and how students can travel but still keep a reasonable budget. Enjoy! Link: https://www.youtube.com/watch?v=aJoWv_U2-3U https://www.youtube.com/watch?v=aJoWv_U2-3U

Welcome to Episode 31 of the Conversations for Financial Professionals. In the episode, Carl talks about why a “thinking-approach” to delivering financial advice is more important than ever. He also covers some of his views on technology and how it will shape financial services over the next five years. In addition, we talk about what you can do now to position yourself as a nexgen financial professional. Carl Richards is an expert in crafting financial advice as a “nex-gen” financial professional whose accomplishments include: Creator of the Sketch Guy column which appears weekly in The New York Times Written pieces featured on Marketplace Money, Oprah.com, and Forbes.com. Keynote speaker at financial planning conferences and visual learning events around the world. So if you want to be relational when it comes to giving financial advice, unpacking deeper issues with clients, and being more present with clients so you can practice or incorporate these skills into the client relationship, tune in now!   Show Highlights: Selling certainty as a financial professional Being human and relational Being a guide vs. a defender Having compound impact vs compound interest. Resources: Are you a current or aspiring financial professional?  Click here to join the Jumpstart community! Listen to previous podcast episodes, clicking here. To receive a newsletter digest of Jumpstart community happenings, click here.   Don't forget to subscribe to the show on iTunes to get automatic episode updates for our "Conversations for Financial Professionals!" by clicking here. Want to collaborate? Click here. If you enjoyed this episode on Crafting Financial Advice as a NexGen Financial Professional, please share it with your friends by using the social media buttons you see at the bottom of the post.   And, finally, please take a minute to leave us an honest review and rating on iTunes. They really help us out when it comes to the ranking of the show and I make it a point to read every single one of the reviews we get.   Please leave a review right now, click here.   Thanks again for listening, reading, and watching!

Podcast: Ditching Hourly (LS 37 · TOP 2% what is this?)Episode: Carl Richards - Making Stuff On PurposePub date: 2021-08-24Carl Richards of Behavior Gap joins me to talk about why it makes sense for him to sell his new book for $10,000.Talking Points The paradox of working in public every day The terror of going from 0 to 1 Using permission-less projects to get going The importance of noticing “tailwind” Turning flaws into features Using impostor syndrome as a compass Reacting to negative feedback about pricing How to decide whether to start a podcast Carl's BioCarl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010.Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin).His sketches have appeared in a solo show at the Kimball Art Center in Park City, Utah as well as other showings at Parsons School of Design in New York City, The Schulz Museum in Santa Rosa, California, and an exhibit at the Mansion House in London. His commissioned work is on display in businesses and educational institutions across the globe.Find Carl online here: https://behaviorgap.com https://behaviorgap.com/radio/ https://www.linkedin.com/in/thinkingcarl https://twitter.com/behaviorgap The podcast and artwork embedded on this page are from Jonathan Stark, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

Podcast: Ditching Hourly (LS 39 · TOP 2% what is this?)Episode: Carl Richards - Making Stuff On PurposePub date: 2021-08-24Carl Richards of Behavior Gap joins me to talk about why it makes sense for him to sell his new book for $10,000.Talking PointsThe paradox of working in public every dayThe terror of going from 0 to 1Using permission-less projects to get goingThe importance of noticing “tailwind”Turning flaws into featuresUsing impostor syndrome as a compassReacting to negative feedback about pricingHow to decide whether to start a podcastCarl's BioCarl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010.Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin).His sketches have appeared in a solo show at the Kimball Art Center in Park City, Utah as well as other showings at Parsons School of Design in New York City, The Schulz Museum in Santa Rosa, California, and an exhibit at the Mansion House in London. His commissioned work is on display in businesses and educational institutions across the globe.Find Carl online here:https://behaviorgap.comhttps://behaviorgap.com/radio/https://www.linkedin.com/in/thinkingcarlhttps://twitter.com/behaviorgap ----Have you ever thought about starting a podcast but gave up because it seemed too hard?I've got good news for you:If you can run a Zoom call, you can host a podcast.In my 5-Day Podcast Challenge, you will learn exactly what to do (and, more importantly, NOT do) to get your podcast off the ground in as little as five days.Stop thinking and start doing. You could be inviting guests to your new show in less than two weeks.ENROLL IN 5DPC NOW »I hope to see (and hear) you there!The podcast and artwork embedded on this page are from Jonathan Stark, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

Carl Richards of Behavior Gap joins me to talk about why it makes sense for him to sell his new book for $10,000.Talking Points The paradox of working in public every day The terror of going from 0 to 1 Using permission-less projects to get going The importance of noticing “tailwind” Turning flaws into features Using impostor syndrome as a compass Reacting to negative feedback about pricing How to decide whether to start a podcast Carl's BioCarl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010.Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin).His sketches have appeared in a solo show at the Kimball Art Center in Park City, Utah as well as other showings at Parsons School of Design in New York City, The Schulz Museum in Santa Rosa, California, and an exhibit at the Mansion House in London. His commissioned work is on display in businesses and educational institutions across the globe.Find Carl online here: https://behaviorgap.com https://behaviorgap.com/radio/ https://www.linkedin.com/in/thinkingcarl https://twitter.com/behaviorgap Transcript Of The Show[00:00:00] Jonathan: Hello, and welcome to ditching hourly. I'm Jonathan Stark. And today I'm joined by Carl Richards of behavior gap. Carl, welcome to the show.  [00:00:08] Carl: Thanks, Jonathan, super excited to talk to you.  [00:00:10] Jonathan: Same here. So before we get started for anyone who hasn't yet heard of you, could you give folks just quick background? [00:00:17] Carl: Yeah. So I it's crazy to let me think about how to do it quickly. So I. Was a financial advisor and that's not normally thought of as a creative job. But one day I found myself in immediate and I had a familiar experience that I finally realized. Going on. I was meeting with clients and I thought I was really good at communicating. [00:00:44] And these were really smart clown. My clients were really smart, successful people, and I was trying to explain a concept to them and I was just getting blank stares. Despite thinking that I was really good at this and knowing that these are smart people. So since they were smart people, it was clearly impact. [00:01:01] I remember who it was either a doctor and a technology sales rep, really technical sales rep. And I remember thinking that. This is bad, right? Like I'm doing the best I can. There's this concept they really need to understand, and I'm not getting it across. So out of a act of really desperation and I had never really done this before. [00:01:21] I didn't think of myself as a doodler. I didn't draw, I didn't do visual journal. Like I had done none of this. I'd never taken an art class in my life, but I don't have an act of desperation. I was like, there was a whiteboard in the office that I had never used and I jumped up and was like, no, like this. [00:01:35] And I drew. Like a couple of boxes and some arrows and some circles or something. And I remember the feeling in the room when the clients were like, oh, now I.  [00:01:46] Jonathan: Yeah.  [00:01:47] Carl: And I became a diff is my word. I like to use to that experience of taking something that was seemingly complex, whether it was or not, it doesn't matter, but seemingly complex and reducing it to something simple. [00:02:00] And so I started doing that publicly. I just, I started a little blog. This was years and years ago. My mom and my sister were the only ones that would read it. Like I found out later, my sister was lying. So it was really just the mom, but I kept doing it. And every time a question came up, every time I read something or somebody asked me a question or a client asked me a question, and at this point it was all about money investing and spending and budgeting. would answer the question and then I would try to, I would try to draw some simple sketch. And at this point, it was Sharpie and cardstock and if the Jitsu snap scanner.  [00:02:36] I did that for a while. I just kept putting them up on this little blog. And I did that for awhile. It was probably a year which is, seems like it happened pretty quick to be honest, I'm a year. [00:02:45] And then I got an email and there's a little bit of story that I'm leaning out, but not much. I got an email from the editor at the New York times saying, Hey, we love these women. Do it for us. And I knew enough to say yes and figure it out later. So  [00:03:01] Jonathan: Yeah.  [00:03:01] Carl: that started this column for the New York times that we did. [00:03:04] And again, I had no clue this would happen when I said yes, but we did that column ended up running weekly for 10 years, that led to the book. And then, maybe three or four years into that column, I kinda got bored. Just straight money. And expanded the definition of money and started doing things around creativity. [00:03:24] And we started thinking of it as a business life column. And so that expanded it to imposter syndrome and fear and doing public work and then. The two books and some speaking engagements. And I started getting asked to do speak at creative conferences, and I did an art show, a solo eight week art show and another one in London. [00:03:43] And all of it was a hundred percent by accident. And I couldn't ever believe that it happened so that's a little bit of the bio.  [00:03:51] Jonathan: Yeah, that's amazing. Yeah. I love the juxtaposition of certified financial planner and creator of the sketch guy column.  [00:03:57] It feels like  [00:03:59] Carl: super fun to  [00:03:59] Jonathan: interesting Venn diagram there. Okay, cool. So I'm glad you brought up the New York times thing. Cause I was going to ask you about that backstory and yeah. [00:04:09] Is there a piece that, so I would love to connect the dots if there are any dots to connect. Was it, because the listener is probably either blogging or something like that, YouTube channel, or they are thinking about starting one, maybe it's a mailing list. Maybe it's a podcast, but people who listen generally do some sort of. [00:04:29] You content creation and I have a I'll just quickly say short stories, not dissimilar. Where I was just, years ago, 2000, I don't even know five ish. I was blogging about a really niche topic for, I feel like I, I posted six posts in six weeks maybe. And a book publisher contacted me completely out of the way. [00:04:52] And I'm just curious if the New York times thing was completely out of the blue, or if you did anything to was there any, anything you did that actually led to that? Or was it pretty much out of the blue? [00:05:03] Carl: I wish I had something more, like I've been asked this question so many times, including my editor at the time, it was like, Hey, what would you tell? Wants to, and I was like, Ron, I've got nothing for you. The only thing I have. And this, unfortunately like this doesn't fit into the tips, tricks and tactics and hacks that everybody wants because we all want deeply. [00:05:24] We just want a tactic that we can follow it up. I think this, endless focus that I have on tactics and we all have on tactics is actually just a place to hide. [00:05:33] Jonathan: I agree. [00:05:34] Carl: but so I'm not gonna it would be cute to make up a story. But it really was the only thing I have is playing in traffic. Right, Like that, that, that was it. I didn't even know what SEO was like. I didn't I just kept doing the thing and I don't know why for some people doing the thing that you just can't not do. Like for some people that lead, that ends up being a quiet life of disappointment and desperation, and for other people. [00:06:05] Something hits and I wish I knew the answer to that. That's the question I've been thinking about for over a decade? Cause they're doing work in public doesn't guarantee that a book publisher is going to reach out to you. In fact, it's highly unlikely that they will, but I promise you, the only thing I have is I promise you, they won't, if you don't do it  [00:06:24] Jonathan: Yup. I'm actually glad. That you have a non-answer there because it is an answer it's stop worrying about that stuff. Keep playing in traffic, you know it, [00:06:32] Carl: yeah.  [00:06:33] That's all. I often want to be like we, I play a lot of, I think a lot about emphasis hugs versus punches in the nose and this feels like both it's like deeply empathetic look, brother, I get you. I understand. That this can be a lonely pursuit. You got a thing that's bothering you, and by bothering, like stirring within you and you can't stop doing it and you're going to do it publicly, you can do it. And I and stop worrying about all that other stuff. I didn't even know. I just did the work and sometimes it's going to work and sometimes it's not. And that's the big mystery for me.  [00:07:08] Jonathan: I'm a big fan of Seth Godin's approach of suggesting for people who just need a little bit more than what we're seeing right now. Just find the minimum viable audience for the present that you made. And it's so doable. It just feels so doable. Okay. We can move on. I just curious if I'm glad you, it was out of the blue basically, because I think that frees people actually to just focus on creating stuff, they want to create. [00:07:33] Carl: Gentlemen, before you move on, let me say it like that's that has not stopped. Like I don't have the same thing for the first book. Same thing for the second. Same thing for the book I'm working on now say it like it's, there is no master plan. And so I, yeah, I think to me, that's actually freeing, like you said, so I, Yeah. [00:07:53] it hasn't stopped. [00:07:54] I haven't come up with a formula since.  [00:07:57] Jonathan: okay. So let me, so let's go into that a little bit, because I do know for some things we're going to get into here you have at least one probably multiple daily practices. So it feels like you must have systems in place that Allow you to continue or not allow you to but support you in showing up every day. [00:08:16] Yeah, I can traffic. And this isn't really a show about systems, but I would just say to the person listening that, I don't, I wouldn't say I have a master plan. I don't know every step I'm going to take over the next three, even let's just say. Definitely three years, but I've got a rough goal for the kind of impact I want to have and who I want to help. [00:08:36] And I have a strategy to do that. And there's some systems in place that helped me show up every day and do it and, meet with great people like this, have them on the podcast. And there, there are, it's not that there are no tactics. It's just not worth worrying about the tactics. You just, have a goal, set up a system to support it and look it heads down and do the system. [00:08:55] Carl: Yeah. I The word that keeps coming to mind as you're talking is habits. Like I, I have a habit of noticing things in the world. I even have it. There's like a, I even joked, there's a face I make it's I call it the, her face huh. Like I have a habit of looking for that to happen a couple of times a day. [00:09:13] And then when it happens, I pull out my iPhone and see, this is the interesting piece. If you don't have a knife, if you don't have an iPhone, you can't do this. That's the places to hide. But I'm trying, I'm only going to tell you this, tell your listeners this, because I think it demonstrates like how simple it needs to be. [00:09:30] I mentioned that earlier cardstock Sharpie and Fujitsu, snap, scanner. I didn't have a flatbed scanner. There was no music playing there. So. [00:09:37] now it's like I noticed something in the world. I pull out my phone under notes. I have a folder called ideas. I take a note and if I'm moving, I'll just record on voice memo. [00:09:49] The note, then that folder, when it's time to put something into the world, I go to that folder. And I pull up the idea, like there's one in there from last there's one in there. Let me just do a real quick notes. There's Yeah. [00:10:03] there was one real, oh yeah. Re the idea of re-investing. Like I have a habit of, as soon as I feel better, like healthy, I'm energetic, I'll go make a big athletic goal. [00:10:14] And somebody [00:10:15] somebody was like what if you just reinvested that energy? So that's an idea that will go up on the podcast tomorrow. I go into the notes folder. There's an ideas folder. I pull it up. Oh, reinvest is there. When I do something with the idea of reinvest, I move it to another folder. [00:10:29] The folder is called used ideas. And that's the end of the, that's the end of the system.  [00:10:35] Jonathan: Yeah   [00:10:36] Carl: Yeah.  [00:10:36] there are habits and I think James Claire's work around process and systems are super smart. And I think that's the thing that sometimes I think there's a big difference between being creative and the process of making stuff.  [00:10:52] Jonathan: oh, that's a good point. [00:10:53] Carl: And I don't think of myself as creative, although I do now because I'm like, oh, actually it turns out being creative. Isn't some magic for some people. It is. And that's awesome. Like cool. But there's also a process of, and I call it making stuff on purpose. It's like stuff. It's not art. It's not, I it is, but there's no fancy feelings about it. [00:11:12] There's a big difference between being creative and sometimes they're the same thing, but just for people who don't feel like they're creative, you can create a system for making stuff. It's just like another widget. It's not a big deal. So anyway, yeah, I agree that there are systems, process and habits.  [00:11:27] Jonathan: Yep. Yep. And James has been on the show. So folks if you're interested, if you don't know who James Claire is, check out the podcast in his book, Atomico atomic habits. It's fabulous. So yeah, my, I do a daily mailing list and I just, when I have one of those ideas, same thing, probably talk face. I like that. [00:11:43] And I whip out the phone and I start a new Gmail message and I typed the idea or I say the idea and I just close it and it automatically saves on all my devices. It's instantly available everywhere.  [00:11:53] Carl: So good.  [00:11:54] Jonathan: Yeah, and it's just, it's the teeniest tiniest little spark will happen during the day. And I just know if I don't instantly grab it, I'm going to forget it. [00:12:01] 30 seconds later, kids come and say something, make gone all gone. But if you get into the habit of capturing those things, even if you don't have an answer, it's just an inspiration sometimes and or weird observation or paradox, if you don't capture that it is going to be gone. But when you do capture it, you get into the habit. [00:12:19] I sh I have like over 600 of these unreal. Ideas in this folder. And same thing if I don't have an idea for today, I just open up the folder and oh yeah, let's write about that  [00:12:29] Carl: can I just mention two things, one I've heard that like it's gone thing and I think that's true for, I don't know where the boundary conditions are on any of this stuff. I only want to mention this because maybe there's some listeners. Think a little differently about it. And I have finally I've noticed that the good stuff sticks. [00:12:49] I don't know where, again, I don't know the boundary condition of it. I don't know. So I've started to be a little less precious about the idea I got to capture it. I got to grab it. Because I find that the good stuff comes back and I don't, again, I don't know if that's just me or, Elizabeth Gilbert's thing at some point, if you don't let the idea out into the world that we'll find a new host. [00:13:09] I don't know. Is it three times? Is it one time? Is it, I don't know, but, so I've started to be just recently, I've developed a little less preciousness around oh, and I'll even find myself saying it to the idea. Hey right now, I'm driving brother. But if you're really good and you want me to be involved, could you come back? [00:13:26] Cause I think you're not nice. And I'd like to see you again, right? Like that kind of thing. And then the second thing I would mention is sorry, got what the second thing was, it was preciousness and then  [00:13:35] Jonathan: If it'll come back,  [00:13:36] Carl: it will come back. Exactly. Oh, this the not knowing the answer. I like it took me five years to finally get my editor convinced that point of the column was often the question. Cause there was always this, like this common refrain in journalists of so what what's the point here? And I would have to say the point is the question. And so I only mentioned that because I like, I wouldn't be scared. To share observations and create stuff that you don't know the answer to. [00:14:07] And you can be upfront about this. And I say this like almost every day on the podcast, I'm like, I don't know. I don't know, but I think it's interesting. And I probably, you, this is, I think we get hung up in this oh, where am I going to find ideas? And this is all the same thread. It's if you think something's interesting. [00:14:24] And again, it's just for me, if that her face, like I could be reading something. If I notice I have to pause and go back and read a sentence that's assigned to me where I'm like, oh, that's, there's something interesting. If you find something interesting, we live in such an inter it's such a connected world now that I promise, how, no matter how silly you think it is, there's something it's out there. [00:14:47] That's going to find it. Interesting. It's just a function of doing it long enough in a space where the signal gets clear. So I just wanted to mention that idea. You don't have to have the answers. In fact, I think it's far more. Gosh, far more honest and far more interesting to follow somebody on the exploration. [00:15:06] I think of the work I do really as like Shackleford journal. I don't know, it's not advice, but if you come this way, if you happen to find yourself on this trail, I found a spring here and it was interesting. It was nice to know that there's water and there's a tree around the corner that provides good shade. [00:15:23] I don't know if you, if it's good for you, but it was good for me. So that's the one thing I wanted to do.  [00:15:28] Jonathan: Yeah, I do like that. And I did notice that on the podcast where you're like this isn't advice, it's observation things I've observed and there's something, the thing I like about that is it removes the word should from any sentence you would ever write, because the word should always scares me. If that comes out of my mouth, I'm like, that's a little, yeah. Yeah. It's a Derek Sivers has a really. He is a very similar approach. I don't know if you're familiar with his stuff, but  [00:15:52] Carl: for sure.  [00:15:53] Jonathan: yeah, his, especially his new book or it's like how to live. And it's chapter after chapter of almost contradictory ways that you could run your life. [00:16:03] Some of them are completely contradictory, like one right after the other. And it's here's a bunch of ways you could do it.  [00:16:10] Carl: right.  [00:16:11] Jonathan: It's a fascinating approach. It's and maybe most fascinating. Yeah. How rare it is most books that you'd buy, self-help book would be like, here's what you do first get up at 4:00 AM, make your bet, like the classic stuff. [00:16:24] And it's yeah, I already read that. And that's not gonna work for me for whatever reason. Cool. All right. I have a feeling that we could talk for four hours.  [00:16:31] Carl: Right.  [00:16:32] Jonathan: This is great. Obviously if people want more of this kind of like talking about Karl's content, like the actual content go to behavior, gap.com and just start reading. [00:16:42] There's like loads and loads of great stuff there. But what I really the primary reason I reached out is, pricing podcast and you've got a new book coming out that has a pun intended novel pricing structure. Could you talk about that a little bit? Where'd that idea come well first, what is it? [00:16:59] And then where did that idea come from? Those sorts of things. [00:17:02] Carl: Yeah.  [00:17:03] Again, no grand scheme here. I I wanted to okay. So keep in mind. Let me just describe what it is first. So I do the sketches. I noticed years and years ago. I. Other people who gave financial advice for living. So this would range from CPAs attorneys, financial advisors, financial planners, private equity, venture capital, anybody who kind of deals with money and takes risk for a living started to ask for these images. [00:17:33] And they would I specifically remember the first time was like aye. You remember the guy's name? He said, Hey, could I, would you, could I have a print of one of these and would you sign it? And I was like, that is so silly. No. And he said I'll give you two twenty-five dollars for an unsigned one. [00:17:50] I'll give you a hundred dollars for a sign when I was like, give me the pen, so that was the first time. And I was like, oh, that's interesting. Again. I'm not very good at seeing the future, but I'm really good at noticing T well, I'm getting better at noticing tailwind. And so it was like, oh, that's interesting. [00:18:05] So we started selling like prints and that's that? That's where like the art show I did an eight week solo 50 piece show that sold out and I was like, Ooh. [00:18:14] Jonathan: Wow.  [00:18:15] Carl: it was tailwind. So there's this group of people who use. So this is like purpose art, and I've got lots of friends who are off. [00:18:23] They don't have that kind of an audience and this idea would not work unless you had that kind of an audience. So people give my first book, the behavior gap sold to those same people and they would give it away to their clients. So it's, so it's been years of me thinking like, oh, isn't that interesting? [00:18:43] These are tools. The sketches themselves. And then the writing that goes with the sketches are actual tools. We think of them as conversation grenades. I think I stole that from class. You throw them in a room and conversations break out and it's the exact kind of con it's supportive conversations for people to give financial advice for a living. [00:19:00] They, they're the exact kind of conversations these people want to be having. So with all of that, and in mind, I was like, wow, I should create a, I want to create Yeah. [00:19:08] I've got to tell you another part of this story. I got contacted by somebody who said. I get these kinds of phone calls every once in a while. [00:19:15] It's actually quite annoying, but they're like, look, do you own all the rights to your material? And I do. And it's been very intentional. And do you own the name bay area? Like I do. Would you sell the whole thing to us? [00:19:28] And I was like, for how much? And they threw out a number and I was like tomorrow. And it didn't work out, but it got me thinking, and again at NFTE has played into this too. All of these little things mashing together got me thinking, like, how could I ever release? And Bob Dylan selling his catalog for 600 million, like all of those things were in the past. And I was like could I sell a fractional piece of my library? [00:19:53] And so I was thinking through that and I was like who would I sell it to? And I could sell it to people who use it, not just enjoy it, but people would use it. And wouldn't it be interesting if those people thought of themselves as owners, not just customers. So all of that came together and I was like, all Right. [00:20:05] I want to create, and then Austin Cleveland's book the size of it, six by six, the map. [00:20:10] Soft cover matte finish, like all of that, all of it came together. It was like, okay, I'm going to do a coffee table book. That's eight by eight square soft cover, matte finish. And I'm going to make, I love playing with the juxtaposition of kind of Swiss grid and hand-drawn elements. I love that. It's it feels like a business suit with flip flops. [00:20:31] Like I just love playing around with that. And we, I love juxtaposition and I, we also have a fundamental concept here called permissionless project. So it was like, okay, how can I do this project that would involve no one else's permission, no gatekeeper and a publisher? No, nothing. [00:20:43] So that's what, that's how the present came about. And it's eight, eight by eight soft cover. It's 52. I took 52 sketches. We wrote up 52 essays. We got a really fine I feel like the subtitle of the book should be better than the New York times, because these are all things that have appeared. [00:21:00] Then they went through more editorial processes based on feeds. So it's 52 sketches, 52 essays. Each fold of the book is a sketch and an essay when we mixed them up a little bit on which side and how they're done. But each bolt of the book is self-contained sketch essay. And then I was like, all right, great. [00:21:15] What should I do with this? And I thought, okay, the people, the fractional ownership, the sell of the library and all that MFT, like all of that came together. And I was like, what if I only made this available to a hundred people?  [00:21:25] And each person will get a hundred. Signed and numbered. So I'm gonna, I'm literally calling the printer and saying I'm printing, I'm actually printing 11,000 because I want to keep a thousand as artist proofs for myself to give to friends. [00:21:37] But so 10 I'm ordering 10. That's the only print run. It will never be printed. And I, all of this is I get so excited about it. Cause it's all part of my ethos. Like a project that has a start, a finish. It's not gonna be around forever. Like I love calling the printer saying 10,000, like the first print run. [00:21:53] I'm like, no final. Only, never again. And then I'm gonna get this 10,000. I'm going to go sit in the printers place and sign one of 10,002 of them. That's going to take me a week. And then you get the book. A hundred copies of the book to give to your clients. Again, that's the part that you know, is relatively unique here. [00:22:13] A hundred copies of the book to give to your clients. You get the digital rights, the forever digital use rights for the 52 sketches in the 52 S. These people will use the people who will buy this will use it. These in social media, they'll use them in their client newsletter and they'll use them occasionally. [00:22:32] We've had people in Texas print them on a billboard. Yes, of course  [00:22:37] Jonathan: I thought I saw that. I thought it was, I thought it was like digital magic.  [00:22:41] Carl: Yeah no. That one, the one you saw probably was digital magic, but there is a real one and I just haven't been able to get a picture of it. So you can print them on a t-shirt. You can print them on a mug as long as you're not selling. To give to clients. So like you, we call it, do the, do whatever you want license. [00:22:55] So you get to do whatever you want. Licensed 52 sketches forever. Cool. Geez. How do you price that? What do you do? And so I knew enough for my art show because when I did the art show, I went, I literally read everything. I get my hands on and how to price art. And I don't know if you know this, but there's no manual.  [00:23:13] Jonathan: Yeah. I do know that. [00:23:15] Carl: Yeah. There's no, like I looked everywhere. There's no, like in my world you can price a comp a comparable ass. Of similar risk and similar reward. And you've known with the price in the art world. There's nothing. So the same thing with the book, I was like wait a second. This isn't really a book. It's 52 weeks of marketing. [00:23:34] It's all these other things. I was like I just picked a number and partially I was like, Okay. [00:23:38] you know what? I want to do something that scares me. And I've always wanted to do a million dollar book launch.  [00:23:43] And so we priced it at $10,000 a piece, a hundred people can buy. It's a million dollars. [00:23:48] We've actually made 20 slots available. That would include me coming to speak at your book, like at a book. [00:23:54] party. So those are 20,000. So it's actually, what is that? It's a hundred and it's a hundred. And if those all sell, it's a $1.2 million. [00:24:03] Jonathan: Amazing [00:24:03] Carl: And it's crazy, right? And I feel all those feelings of wait, who told you, you could do this. [00:24:08] I have a buddy is called imposter syndrome. And he shows up every time I do something cool. He comes every time I talk about like right now, I totally I'm like what? That's nuts. I can hear listeners being like what I'm scared to death. And that's part of the project.  [00:24:22] Jonathan: Yeah, imposter syndrome is a good sign. If imposter syndrome shows up, it means you're doing something interesting and new. Okay. So that's incredible. Very cool. Totally. I saw it and I was just like, oh, we have to talk about this. Has someone besides imposter syndrome shown up to throw rocks? [00:24:39] Carl: Oh, for sure. Yeah. I We've only recently started announcing, you saw one of the early announcements you probably saw. And talk  [00:24:45] Jonathan: Yeah, I think so.  [00:24:47] Carl: And Blair is a friend of mine and he's had something to do with this. I'll call him and be like, really? Am I doing it? And he's do you know the answer to this? [00:24:52] Yeah.  [00:24:52] I th I, I think I saw, I'm trying to spend less and less time on Twitter. I do use Twitter for a lot for broadcasting, but I'm trying not to do a lot of interacting with. I did see like people in my industry saying things like it's obviously a top that's a joke that will always say like the market's certainly frothy at this point, if Carl's doing this and then somebody else, the one that, and those are like, whatever, like it's certainly, it's not for you. [00:25:18] You clearly don't understand somebody else said oh, here's Carl playing a joke on all his loyal fans. And w I then explained to him what it was. It was like, no joke here. This is what, and he's oh, I didn't get that. It had the digital rights. So those things I'm like, it's not for you. [00:25:33] The one that I heard the most recently was somebody saying, I thought you were all about helping people. Why are you suddenly leaving everybody? Yeah. So that, and I can feel that and then say, and it's Okay. [00:25:48] for me to do a project like this. Yeah, [00:25:50] for sure. And I don't know if it'll work. We've already, pre-sold a bunch of them. [00:25:53] We opened up 21 early seats. Cause there were people who sent notes saying literally like I'm bringing a bag of cash to your door. And I was like, oh, okay. But I don't know if we'll get to, I don't even know if we'll get to 15. But I'm okay with that because next year we could sell 10 more and 10 more until all hundred go.  [00:26:12] Jonathan: right. [00:26:13] Carl: I don't know if it'll work is what I'm saying. I have no idea if that will work, but there's enough tailwind for me to try.  [00:26:19] Jonathan: Yeah, I love that. I actually wrote that down tailwind. That's your so you'd note you're noticing engine is very good. Where you'll notice this sort of puppy, dog face stuff, but then also like when something happens, it's not just like you move on to the next thing. It's whoa, there's the sort of after effect of motion happening here just really good detector. [00:26:40] Carl: We generally, we tried to systemize that a bit. Like I think of it as a system. Like we use early detection stuff, like Twitter's a great place to toss something out. And again, if you get no feedback, I actually, I don't use that as a, I don't use that as a sign. It's only if I get feedback that I'm like, oh, interesting. [00:26:59] Because no feedback, actually the sample size is so small that no matter what the feedback is, it's inconclusive. So the only thing I can ever say from it is oh, interesting. Like maybe I should try a little more of that. [00:27:13] Jonathan: Right. [00:27:13] Carl: And just it's just a slight tailwind at that point. [00:27:15] And then, but we try to we have systems now for like, where does the idea get tested first? Behavioral up radio is where it gets heard first. And then if it makes it out of behavior, I pray a little go here. And if it makes it go there, I'll go here. And eventually it'll end up in volume for right. [00:27:29] Cause that's part of it. That's the other thing I should tell you the book's name. We were like, what did we name the book? I was like Let's just call it volume one. So somebody on the team actually suggested volume one. I'm like we can't do that. Like my publisher would never like we don't have a, what was her, the design of the book jar then? [00:27:44] How cool is this? Like when we'd realized we didn't have to design for Amazon or the bookstore, all we had to design was for the moment. I just envisioning it. I'm doing it right now. Like a financial person, but it's advice giver has it in their hand and they hand it to a customer, a client that moment we could design the entire book cover for that moment. [00:28:07] Really cool. So that's some fun stuff.  [00:28:10] Jonathan: Huge. That's amazing. Yep. You're just so focused on what it's for. This is what it's for.  [00:28:17] Carl: Yep. And that circles back to your idea of throwing stones. I have tried to get really good, and I'm not very good at it, but I try so hard that it's not for them. So that's phrase like it's not for you. And so if there's anybody throwing stones, I understand and empathize and get it. [00:28:37] And there's a reasonable, if they're thoughtful, I treat them as gold because I can make the project better. But largely I would say. It must not either. I didn't communicate well enough or it's not for you.  [00:28:48] And both of those are within my power, which is really freeing to me because if I didn't communicate clearly that's on me. [00:28:55] And if it's not for you, there's nothing I can do. It's okay. We'll just move on. [00:28:59] Jonathan: right. Yeah. Not everyone gets the joke as they say so. Okay. So you just mentioned the behavior gap radio.  [00:29:06] Carl: Yeah.  [00:29:06] Jonathan: Let's talk about that a little bit because I am signed up to that. It's well, you can describe it. What's the  [00:29:12] Carl: Yeah.  [00:29:13] I think for your listeners, this may be the most important idea because obviously I, there was a whole bunch of caveats around that book, project. Make it unique. I had somebody tell me a good friend of mine said, Carl, you're an N of one for this project. I don't know anybody else who could do it cause you've got a market that needs it. [00:29:29] So I understand that. But there's a bunch of N of one projects for everybody listening has an N of one project, right? Like you're the only one that could do it. So don't let that be a place to hide. But behavior radio to me is a, so let me just describe how it happened. I was noticing things in the world. [00:29:47] And it was actually a challenge from Seth Goden. He, we were having breakfast and he said, Carl, why aren't you writing a daily blog? And I said, cause it's, he's unabashed about how powerful it's been for him. And I'm like I don't like to write. He's you like to talk. And so why don't you just record? [00:30:03] I'm like, oh my gosh, really? And this was before like the most recent like podcast craze.  [00:30:10] Jonathan: Yeah.  [00:30:11] Carl: So I just started recording. Initially the notes folder I described early on wasn't notes. It was audio files, just what do they call it? Voice memos. So I started recording voice memos and I was saving them on a Dropbox file folder and somebody on the team. [00:30:26] And when I say team there's three.  [00:30:28] Jonathan: Yeah.  [00:30:28] Carl: Somebody on the team pound. And then they're like, what are you? Do you mind if I, why don't we start a podcast? And I was like no, I don't want to, no, I can't all sorts of imposter syndrome. They're like Okay. [00:30:37] What if I just put them on SoundCloud? And we embed the player someplace. [00:30:42] And it was like, oh Yeah. [00:30:43] fine. And then the times ran across them and they were like, can we run them every once in a while? So they ran it around as well, but then they stopped. And so it was just us posting these things up and I'd get notes, emails from people saying, I love your podcast. And I'd be like, I don't have a podcast. [00:30:57] And they would say, I don't know what you call it, but would it, could you put it on iTunes so I can listen to it in the car? I'm like, all right. it. And but remember it was just part of my process. That's why I think everybody could do this. It's awesome. Cleanse work, show your work. So I just started recording these every day and sometimes I do six a day and sometimes I take days off. [00:31:22] Still have the six, like I've, I haven't missed a day for a very long time, except Sundays I take Sundays off in terms of publishing. And then the people that I was having a conversation with the folks at super cast and super cast is a paid subscriber based podcast system, which is amazing. You can go check it out. [00:31:38] And they were like, wait, you're doing this anyway. And so I decided I didn't care if anybody listens. And Seth says that this is the story I tell myself, at least I'm not sure it's true, but I try to tell myself I don't care if anybody would listened to it,  [00:31:49] I'm doing it anyway. It's the idea generation. [00:31:52] Seth says, it's the metacognition, right? It's thinking about your thinking and it's the exercise of that muscle, because like you said, you have hundreds of them sitting in there. Like I did too. Like I, people are like, when are you gonna run out ideas? And never as long as I keep exercising the muscle,  [00:32:06] Jonathan: right.  [00:32:06] Carl: so I'm doing It anyway. [00:32:08] So yeah, somebody was like what if you just made it a paid podcast? So I had this little items I want to do a little experiment. What if I told no one about it for awhile? I just put it up and all we did, so we didn't lean on my list. We didn't lean on the TA. Anybody else? Like we just, all we did was we posted about it on Twitter. We take little snippets, audio grams, post them on Twitter and Instagram. What if we did that? And I thought if I did that for a year and I made it $10 a month, would it, would I be happy or sad at the end of this? It was like, dude, there's no doubt. If I had no audience and I started doing that every day and I put it on Instagram and Twitter, that's all I did every day. [00:32:49] I took a snippet or I took the highlight. I wrote the highlight on Instagram and Twitter. I said, if you like this, you'd love my daily podcast. It's 10 bucks. Go here, sign up. If you did that everyday for a year, I would be willing to bet money that you would be happy. You did.  [00:33:06] Jonathan: Such a good way to put it  [00:33:07] Carl: Like it's I don't know how happy. I don't know why, but I guarantee you'd be happy.  [00:33:12] Jonathan: Here's the flip side of that because I agree with you, but let's just let the devil come in and advocate. So that's a lot of time to invest in something and I want to pay off Carl. I want it to pay off. I want my tea. I could use that. I could bill $200 for that hour or two every day. So I'm losing, whatever, 365 minus Sunday's times, at least a hundred. [00:33:37] Carl: Yeah, I don't buy it. So here's what I don't buy it. I see the point totally. And I think  [00:33:41] Jonathan: It's opportunity cost at least. [00:33:42] Carl: Yeah, I think it's a very good conversation. So number one, it doesn't take me an hour. It takes me about 15 minutes. So we got that. So I should describe it. Yeah. It's a daily podcast. [00:33:50] I was like, oh, I don't want to start a podcast. I don't wanna have guests. That's so much work. So we have I have another concept that I love called turn the flaw into the feature.  [00:33:58] So it started with the Sharpie, Right. [00:34:00] Like I downloaded that, believe me, I did, I downloaded the illustrator and tried to figure out how to use it and couldn't figure out how to use it. [00:34:05] So I was like, I'll just, okay, crap. I'll just have to use a Sharpie and cardstock and a Fujitsu, snap scanner. I did that. And a couple of years later, I hired a designer and I said, Hey, take this and turn it into a beautifully designed product. I put it out and everybody was like, why I love the Sharpie. So the flaw became the feature. [00:34:23] So in this case, behavioral operators, I was like, oh no podcasts have guests and they're long and they're thoughtful. I didn't have time for any of that. And I didn't want to do it. And I wasn't very good. So I was like, okay but I want to do one okay. What's the fly is, it's just me talking. So it's me talking between three and 12 minutes and I have no problem with it being three minutes. [00:34:43] In fact, I work really hard to make it three minutes. So it's me talking between three and 12. And now I've asked anybody want me to have guests do no, in fact, I just had somebody yesterday, send me a message saying your podcast fits perfectly into my time while I'm getting, like making my coffee. And I love it because I don't have to set aside a bunch of times. So the flaw has become a feature. So reasonable one, it doesn't take that much time. So if I was saying that to myself, I really want to do this, but it takes too much time. I would say. How could I do it in a way that didn't take much time? [00:35:18] Number two? I don't know what the value would be. So remember the value extraction. I'm always thinking value creation and value extraction. Value extraction doesn't have to be money value extraction could be thinking about my thinking. Seth claims you'd write his daily blog if nobody read it.  [00:35:34] Jonathan: I would do. I would, I'm terrified of stuffing my daily blog. I would never stop it because my brain would dry up. Like it's where all my ideas. So I've been thinking about this a lot lately and ideas. I don't make my ideas, pop into my head and have created the conditions. That cause a certain kind of idea to pop into my head. [00:35:59] So it's like these events are happening to me, but if I took away the conditions, the events would stop happening to me, even though they're happening in my head. They're like outside events. It's if I moved to, I don't know Afghanistan, or if I live in Providence, Rhode Island, different events are gonna happen to me and it's going to come. [00:36:18] Different actions. I'm going to have to make different decisions because outside events are, you can, are predictably different in those two places. And if I stopped doing my daily list, that'd be like moving my brain to a place where it would stop having these things happen to it. It's hard. I haven't figured out how to describe this very well but taking, yeah, go ahead. [00:36:40] Carl: are those things? Are those things creating value in other areas of your life?  [00:36:44] Jonathan: oh, a hundred percent. [00:36:46] Carl: Yeah, so that's that to me is the most interesting part, right? Wait, I don't want to do this thing cause it's gonna take an hour and I could have built a hundred dollars. Or 200 or 500, whatever the number is. [00:36:55] And that would be like saying, the New York times didn't pay me very well. If at all, how could I possibly calculate what it was worth to me?  [00:37:06] Jonathan: Yes. So there's the leap of faith and I've made that leap and it and there's a solid ground on the other side of the chasm. So the thing for the listener who doubts this yeah. I have to, yes, there is. I can give maybe a lead, even more specific question. It's really a question is why are you doing it in the first place? [00:37:27] So if you want to do it to make a million dollars, then don't do it. But if you want to do it because you want to do it, it seems like a fun way to spend your day instead of doing actual work or not. Even your whole day is spent 15 minutes. Then go ahead. It's like the, when I'm coaching someone and they're like, but how is this going to pay off? [00:37:47] And I'm like, I don't know, but I'm sure it's, like you said at the beginning, I'm sure if you don't do it, you're going to be stuck right. Where you are right now in two years, in five years in 10 years. [00:37:55] Carl: Yeah.  [00:37:56] That inability to draw a linear line between creation and capture. Is I think a real hangup for most of us. And I have gotten so comfortable with the idea because we live, we go deep down this hole, but if we live in a complex adaptive system and in complex adaptive systems, you can't draw linear straight lines between creation and capture. [00:38:17] You have to be comfortable. The idea that it's going to be a messy, everybody will tell you that. That's why you see so many of those little hand drawn things that look like balls of yard, right? You have a hockey stick and that's like the myth hockey stick up into the right. [00:38:30] It's the myth. And then you have the ball of yarn is the reality. Like I had no clue that this was going to happen. My entire career is a giant ball of yarn. I have no clue what's going to happen now. And I've now gotten to the point where that if I'm not in that condition, I think I just think of it as an irreducible uncertainty, right? [00:38:53] If I'm not living in uncertainty with extended breaks, Right. [00:38:56] Like time to rest and recover because uncertainty is, can be a little taxing, but if I'm not living in uncertainty, then I'm doing something wrong. So I love sess. Like it may not work. So I agree. Just go and see everybody. [00:39:11] I think everybody, who's honest about a creative career says this same thing,  [00:39:17] Jonathan: The argument you mean. [00:39:18] Carl: Yeah. Everybody who has a creative career, that's worked  [00:39:21] Jonathan: Oh, yeah, [00:39:22] Carl: and there, and if they're artists that, I just mean that by like self-aware of it, like it's not necessarily dishonest. I'm just.  [00:39:28] Jonathan: sure.  [00:39:29] Carl: They'll say I don't, I didn't know. [00:39:31] Like I, I had a plan, but mostly it's mostly it's this thing that you could not do. And we've all felt it. And most of us bury it, but if you're feeling it, like all I'm suggesting is damn, I call it dancing with dragons, like dance with a little bit.  [00:39:45] Jonathan: Yeah. Let it out. [00:39:46] Carl: Yeah. And find a forum. And now it's, I don't care if it's just to your neighborhood coffee shop or if it's on Twitter, like whatever, find a forum, let it out, play in public because I promise you if you do it consistently for a year, you won't be sad. [00:39:59] You did it. I don't know why you'll be happy, but I know you will be sad.  [00:40:03] Jonathan: Yeah. I hundred percent agree with that. I've just, I've got a lot of engineering mindset folks who. Who feels like they can predict the future in many ways. And when there's decreased amount of certain, about like building stuff software and so forth. So it's I know if I do this, then it's going to do that. [00:40:17] So it's tough to say to them, it's okay, but you gotta trust. You gotta let go and not know exactly how it's gonna play out. But you're right. If you show up for you. And you're doing something that's meaningful you in some way that you want to do, not just because you think there's a big payout at the end, because you want to do it. [00:40:35] You're not going to be sad that you did it. You're not, so it's so good. Okay. Is there more to talk about with the podcast, the daily podcast? Or could we jump over? If so then let's definitely do that. I'm also curious about the mailing list and we we, I guess we already did talk about selling the sketches. [00:40:53] I have a number of illustrators on the list and it's and they're struggling. It's like, how do I, how could I possibly, how can I sure it was in the bowl doing illustration without going on Upwork and just being told what to do by horrible client. [00:41:09] Carl: Yeah. Yeah. So I don't know, but let me wrap up the real Brady. I would just say the reason I like that as a topic for this audience is because everybody could do it. If you just took your process, And decided to do your work publicly. How did you pick that pen? Which app do you use? I know that's a little tactical, but it's I tried, like just so many of us are convinced we don't have anything to say and I just would beg you to believe me, like that's classic imposter syndrome thinking. [00:41:36] Yeah. Because it's become easier. Second nature for you. Both of those in air quotes, it's become easier. Second nature for you. You think it's easier. Second nature for everyone else. And if it's easy and second nature for everyone else, it must not be valuable because it's common. It turns out it's not, none of those things are true. [00:41:54] You've just forgotten. Like I always in my audience, I always tell him, like you forgotten that most people in the world don't know what standard deviation means. Megan, you throw it around, like it's like a normal term. So that's w B area, the podcast, everybody could just start doing that and you look, it doesn't have to be a paid podcast just anyway. [00:42:13] So that was allied wrap that up the illustration thing. I don't know. I have I have a unique tailwind because these are it's purpose art. But there's a lot of it going on, I see really good friend of mine that does he does. He does marketing cartoons, the Marketoonist Tom fish, board marketing. [00:42:29] Marketoonist like he does marketing opportunities.  [00:42:32] Jonathan: Huh?  [00:42:33] Carl: Illustrations around. So I think that maybe it's just look, somebody came up, asked me if they could have one on the wall. I said, sure. And they paid me for it. And then we started now we sell digital downloads for a hundred dollars a piece. [00:42:48] You get the high res file and the forever do whatever you want. Licensed is what we call it. And now who's going to pay a hundred dollars. Like the people who pay the a hundred dollars for these are people who typically it's not, I have a few sketches that people hang on their walls in their house. [00:43:04] Like one, maybe I'm the only one. My wife would allow it, our house. But the rest are like in the office. They're they serve a purpose.  [00:43:12] Jonathan: Right. [00:43:13] Carl: I don't know outside of that, except that I've watched some people do. And it's always the same. The formula is always the same. It's like play in traffic, do a lot of it. [00:43:22] And then find interesting ways. There's so many interesting illustrators Right. [00:43:26] now on Instagram getting paid for all the standard ways, like a notebook, a print, a t-shirt and then. Digital rights to it. I've followed. I have a collection of those people. Cause I just love because they're permissionless, right? [00:43:41] Like nobody there's no gallery owner. There's no, like they're direct to the people in Kevin Kelly's standard thousand true fans approach. So that's all I really got on that. I don't really know how to be helpful there. [00:43:54] Jonathan: I think that was pretty helpful. And again, it's it's like a bunch of things that we've said, I think all would contribute into observations that might work for the illustrators in the audience. It's, there's not a million.  [00:44:08] Carl: Yeah.  [00:44:08] Jonathan: it's, there's just not, you don't have to worry as much about all of that stuff that you might be worrying about. [00:44:12] And I just, I do love the working in public or playing in traffic and paying attention to what's meaningful to people, but there's, there is also the thing of like I started doing a Sunday comic and I love it. It's super fun. Is anything going to happen from it? Not, no, I don't think so. [00:44:31] It's just another way to communicate the ideas that I read about it. And it breaks up the, cause I do even Sundays. Seven days a week, I'm putting stuff out. So it breaks it up for me. And it's a different way to communicate hard ideas in a funny way. So I dunno maybe something will happen, but it's just fun. [00:44:52] Carl: as I'm listening to Jonathan, I'm thinking like I've actually had this conversation probably a hundred times with people. So I do like here's, what I would do is I would find one person that would buy something. Going from zero to one is, I don't know, 60, 70, 80% of the way.  [00:45:08] Jonathan: Yeah.  [00:45:08] Carl: And it, because it's all the fears, they're all the tactical places to hide, but what is it? [00:45:13] So I don't care what it is. Like I just worked with somebody here locally that loves to draw zombie sort of drawings, which I'm just not into it. I have no interest in, but I love this person because they're way into it. Like I'm thinking agnostic. I just am super stoked when you have a thing. And his thing is he draws these zombie things. I'm like, what are, these would be super cool is a skateboard deck.  [00:45:34] Go would do, would you do me a favor? Just go by one blank screen, draw one and put it up for sale for 50 bucks and just see Hey, made this thing. I hope you like it. Classic stuff. [00:45:48] Like I do that in public and S and if you don't have it, anybody in public listening, do you send an email to 10 people?  [00:45:57] Jonathan: Yeah.  [00:45:57] Carl: I made this thing. Okay. How about stickers? I made a pack of five stickers. People seem to find my my sketches, a little humorous and light-hearted and it makes me feel good. [00:46:05] So I made a packet of five stickers. They're $12. Like we could okay. Make a mug, do a t-shirt do it. Like we could riff all day. Hang on what the thing is, but the what matters is the zero to one. Can you get somebody to buy it? Can you get one person?  [00:46:20] Jonathan: Yeah, I'm chuckling because of the terror of doing that first skateboard. I just it's just so classic. [00:46:27] Carl: Sure. And he hasn't done it yet. And I'm literally I actually went out and bought this kid he's well, he's 20 he's 24. He's an amazing, like one of the best artists I've ever seen, but no one knows it.  [00:46:38] And I actually went out and bought his domain, his name as a domain was available. So I bought it and I told him, you either start putting stuff up on this. [00:46:47] We're 60 days from now, I'm going to start putting stuff up drawn with my left hand in your name. He's and only because I'm trying to force the issue cause I care about him. But Yeah. it's super scary and I think that's why we all go try to find a million places to hide no cell one thing. [00:47:06] Jonathan: Yeah. Yeah.  [00:47:07] Carl: one thing there's nothing left to hide.  [00:47:09] Jonathan: Yep, totally. And there's so many people in my audience who just sold their time. They've never really sold anything. They're just renting themselves out or they have a job without a boss or benefits and they've never priced anything. They've never put a price for something. On a thing and said, this is 50 bucks period, and yeah. [00:47:30] Carl: Can I riff on that for just a  [00:47:31] Jonathan: yeah.  [00:47:32] Carl: I think there's a reason that's so scary and it's it please. I'm like trying to be massive. I'll actually probably get emotional about it because you, excuse me. When you create something like that, you are literally putting yourself up for judgment, Right. You're taking it's. I think It's the most intimate. I have spent my life studying risk and risk-taking I back country ski and I'm involved with lots of venture capitalists and private. like, I know a lot about risk. I cannot think of a more intimate form of risks. Then, what we're talking about here is because you're literally saying, and I always think of this. [00:48:08] When I hear Seth say this, say here, I made this, I hope you like it. I think of holding something in my hands and extending my arms to somebody else and saying here, Jonathan, I made this. And then the words I hope. You like it. And because, there are going to be plenty of people who don't and they are going to have no problem in an anonymous way being vocal about it, and you're going to hear it. [00:48:33] And you're like, so I think, I don't think there's any more intimate form of risk. So that is art. That's what you're scared of.  [00:48:42] Jonathan: Yup.  [00:48:42] Carl: And on the other side of that fear is like the most intense, wonderful satisfaction of putting something into the world. And so balancing that I just think is so beautiful. [00:48:56] Like I just it's like that, that, that rift just now, like that's at the heart of the work I want to do more of is like, how do we get more people to say. I made this I hope you like it to the world because we need that. We, I, as a quote, unquote, consumer need that book. I need that print. I need that. [00:49:20] T-shirt because it shows to me there's still people making things they care about. And if that's the only world I want to live in.  [00:49:27] Jonathan: Yeah, wow. I don't think we can top that. [00:49:29] Carl: Yeah. Super fun.  [00:49:31] Jonathan: Carl. Thanks so much for coming on is sharing your observations and experience and expertise. Where should folks go to find out more about what you're up to? [00:49:40] Carl: Probably the easiest is behavior app.com. And and then, if you're interested in seeing the sort of broadcast stuff on Twitter, it's at behavior and Instagram app behavior,  [00:49:49] Jonathan: Amazing. Wow. Thanks again.  [00:49:51] Carl: Jonathan, my pleasure. That was really good.  [00:49:53] Jonathan: All right folks, that's it for this week. I'm Jonathan Stark and I hope you join me again next time for ditching hourly. Bye.

Carl Richards is a certified financial planner and author of The Behavior Gap blog. Through simple sketches, Carl makes complex financial concepts easy to understand. These sketches have been shown at the Kimball Art Center in Park City, Utah as well as other showings at the Parsons School of Design in New York City, The Schulz Museum in Santa Rosa, California, and an exhibit at the Mansion House in London. They also serve as the foundation for his two books (The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money). He is also a frequent keynote speaker and has been featured on several programs such as Oprah.com, Forbes, Marketplace Money, and more. Behavior Gap: https://behaviorgap.com/ NY Times Sketch Guy Column: https://www.nytimes.com/by/carl-richards Books: The One-Page Financial Plan: https://www.amazon.com/One-Page-Financial-Plan-Simple-Smart/dp/1591847559, The Behavior Gap: https://www.amazon.com/Behavior-Gap-Simple-Doing-Things/dp/1591844649/ref=pd_lpo_14_t_0/141-4234063-9183743?_encoding=UTF8&pd_rd_i=1591844649&pd_rd_r=46c27349-461d-49e4-ba8c-6d8f3e5d8905&pd_rd_w=trIwA&pd_rd_wg=oakBV&pf_rd_p=16b28406-aa34-451d-8a2e-b3930ada000c&pf_rd_r=2FH8KSE49X6Y7YFPQRH2&psc=1&refRID=2FH8KSE49X6Y7YFPQRH2 Twitter: https://twitter.com/behaviorgap LinkedIn: https://www.linkedin.com/in/thinkingcarl/ WMA website: http://msuwma.com WMA YouTube: https://www.youtube.com/channel/UCT-eaRPTd0R1WlrLkRBweuQ Contact: msuwma@gmail.com Song credits: Abstract Orchestra, Fancy Clown - https://www.youtube.com/watch?v=hYhN8is0Syg

In this Swift Chat, Marie Swift speaks with author / speaker / thought leader Carl Richards. The topic: Why advisors should think of themselves as a guide in a changing landscape, not a seller of certainty or a defender of an outdated map. Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com.  In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world. Learn more about the Behavior Gap at www.BehaviorGap.com. Carl also hosts something called the fellowship via www.TheSocietyofAdvice.com

Carl Richards is a Certified Financial Planner™, creator of the Sketch Guy column, appearing weekly in The New York Times since 2010, and has been featured on Marketplace Money, Oprah.com, and Forbes.com. In this episode we were moved, expanded and connected by hearing Carl talk all things “imposter syndrome,” Pema Chodron, his most vulnerable career move, and his plea to the financial services to be more Human.  Twitter - https://twitter.com/behaviorgap?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5EauthorWebsite - https://behaviorgap.com/Linkedin - https://www.linkedin.com/in/thinkingcarl/Instagram - https://www.instagram.com/behaviorgap/?hl=enMentioned in this episode:- Carl's NY Times Sketch Column: https://www.nytimes.com/column/sketch-guyWhen Things Fall Apart: Heart Advice for Difficult Times by Pema Chodron: https://www.amazon.com/When-Things-Fall-Apart-Difficult/dp/1611803438- Carl's podcast with Michael Kitces on imposter syndrome: https://blog.xyplanningnetwork.com/podcast-blog/impostor-syndrome-carl-richards#:~:text=Carl's%20fear%20is%20one%20that,head%2Don%20in%20this%20show.- Fooled by Randomness: The Hidden Role of Chance in Life and in the Markets by Nassim Nicholas Taleb: https://www.amazon.com/Fooled-Randomness-Hidden-Markets-Incerto/dp/0812975219Subscribe to never miss an episode and connect with us on: Instagram -https://www.instagram.com/ficommpartners/ LinkedIn -https://www.linkedin.com/company/ficomm-partners/ Twitter -https://twitter.com/FiCommPartners Mentioned in the conversation:  

If you're tired of ever-increasing rent payments or dealing with a psycho landlord, it may be time to buy your own home.  In this episode, join host Eric Martsolf as we dive into “Home Buying Kit For Dummies” by Eric Tyson  and Ray Brown. Both Eric and Ray are big league financial and real estate experts who have downloaded all of their experiences into their book, not to mention this podcast! ABOUT HOST, ERIC MARTSOLF With over 3500 episodes of television under his belt, Mr. Martsolf has been providing "love in the afternoon" for NBC Daytime for the last 17 years. His portrayals of Ethan Winthrop on "Passions" and currently Brady Black on "Days of our Lives" have resulted in numerous industry accolades. He made daytime history in 2014 by being the first actor ever to win an Emmy in the Best Supporting Actor category for "Days of our Lives." His television credits expand into primetime (Extant, NCIS, Rizzoli & Isles), and his musical theatre repertoire consists of over 40 productions, including his critically acclaimed role as the Pharaoh in the Osmond Broadway Tour of "Joseph." Fans of the DC Universe will most notably recognize him as Justice League member and futuristic hero Booster Goldfrom the series Smallville. @ericmartsolf - Twitter (Blue check mark) ericmartsolf - Instagram (Blue check mark) Meet Eric Tyson, MBA Eric Tyson is a best-selling personal finance book author and has penned five national best sellers. He is also the only author to have four of his books simultaneously on Business Week's business book bestseller list. His Personal Finance For Dummies, a Wall Street Journal best-seller, won the Benjamin Franklin Award for Best Business Book of the Year. Eric's syndicated newspaper column is read by millions of readers weekly. He is a former columnist and award-winning journalist for the Sunday San Francisco Chronicle. His website, www.erictyson.com, rocketed into the top one percent of financial websites within its first year of operation. Eric's work has been featured and quoted in hundreds of local and national publications and media outlets including Newsweek, The Wall Street Journal, Los Angeles Times, Chicago Tribune, Forbes, Kiplinger's Personal Finance Magazine, Money, Worth, Parenting, USA Today and on the NBC Today Show, ABC, Fox News, CNBC, PBS Nightly Business Report, CNN, and on CBS national radio, NPR's Marketplace Money and Bloomberg Business Radio. He's also been a featured speaker at a White House conference on retirement planning.

Flashback Friday, Original Release Date: March 4, 2013 It is possible to illustrate complex financial concepts and Jason Hartman interviews author/artist, Carl Richards, who developed a way to do this and led to his book, The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money.  Carl creates simple sketches that help people understand financial concepts, which he refers to as Visualizing Finance. People are primarily visual learners and Carl found that as he made the concepts visual, it was easier to communicate them to others effectively. He shares some of these visualizations, such as the market cycles, explaining the terms he uses and the psychology behind the buy/sell behaviors in the stock market. Using a Venn diagram, he is able to help people realize what they have control over and what they don’t, whether it’s investments or business, and enabling them to make better decisions and simplify their financial life. Carl became an accidental artist with his simple sketches that make complex financial concepts easy to understand for thousands of people every week on The New York Times Bucks blog. Richards’ art had its first showing at the Kimball Art Center, in Park City, Utah. His commissioned work is on display in businesses and educational institutions across the country. His sketches also serve as the foundation for his first book, The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin). Carl has appeared regularly on American Public Media's Marketplace Money, writes a column for Morningstar Advisor, and keynotes financial planning conferences and visual learning events. You can find more of his writing and sketches at BehaviorGap.com. A CERTIFIED FINANCIAL PLANNER™, Carl is also the director of investor education at BAM Advisor Services and lives in Park City, Utah, with his family. As a financial planner, Carl Richards grew frustrated watching people he cared about make the same mistakes over and over with their money. They were letting emotion get in the way of making smart financial decisions. He named this phenomenon—the distance between what we should do and what we actually do— “the behavior gap.” A quote from his book states, “It’s not that we’re dumb. We’re wired to avoid pain and pursue pleasure and security. It feels right to sell when everyone around us is scared and buy when everyone feels great. It may feel right—but it’s not rational.”

Ja'Net Adams is an International speaker, author, and the CEO of EMACK Consulting, but when she was in college she let money rule her life.A short time after graduation she found herself in $50,000 of debt! She dug out of the debt in two years by following the principles that she now speaks about to audiences all around the world as a professional motivational speaker. She speaks around the world to various universities, corporations, high schools, and non-profits about Financial Literacy.She recently released her second book “The Money Attractor! Everyone's Guide To Winning With Money So They Can Live Their Dreams!” Her first book was “Debt Sucks University! A College Student's Guide To Winning With Money So They Can Live Their Dreams!” She has spoken on behalf of Barack Obama's White House and the Department of Education. She has also spoken at the New York Times. Her advice has been featured on Forbes, BBC, CNBC, Huffington Post, Black Enterprise Magazine, Fox Business, JET Magazine, BizWomenJournal.com, LearnVest.com, USA Today, USA Today College, and NPR's Marketplace Money.

This inspiring episode is with none other than the extraordinary Coleen Otero! Host LaShanda Gary + Coleen Otero has an opportunity to catch up while having a powerful discussion on Faith, Forgiveness, Finance, Future, Funds, and how we can use the principles of faith in our daily lives as we walk boldly in our calling and purpose! Coleen is a powerhouse! Plan to be inspired!!

On today's Financial Clarity for Doctors Podcast, we speak with popular author, Carl Richards, about having a discussion around finances with your spouse.  Our conversation with Carl Richards is essential listening for anyone who is or plans to have a partner one day. It's never too early to begin thinking about or talking about your financial future. Our guest lays out some ground rules to help make this conversation productive, healing, and eye-opening.  Family histories, lifestyle expectations, and identities all live within our views of finances, which can make the money discussion a personal and sometimes painful topic. Richards is here to show you how to start the money conversation. Provide you with rules like no shame, no blame, focus on what you can control, and time out. After listening to this podcast, you'll have the tools to begin the process. Remember, this is typically a process, not a one, and done conversation.  Tip of the day: Take some time to think about your earliest memory with money.  Carl Richards is a Certified Financial Planner™ professional and creator of the Sketch Guy Column, appearing in The New York Times since 2010. Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world. Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin). He currently resides in London with his family.    You can find his articles for the NYT: https://www.nytimes.com/by/carl-richards   How to Talk About Money: https://www.nytimes.com/guides/year-of-living-better/how-to-talk-about-money  For more information on Carl Richards, you can visit his website https://behaviorgap.com/ or find him on Twitter at https://twitter.com/behaviorgap?lang=en  For more financial planning tips from Corey and Rachelle find them on LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter:  @CoreyJanoffCFP and @RachelleFinance  Discussions in this show should not be construed as specific recommendations, legal, or investment advice. Always consult with your investment professional before making important investment decisions. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Finity Group and Cambridge are not affiliated. 

Carl Richards is one of the best in the world at connecting money and emotion in ways real people can understand. He is a Certified Financial Planner™, and the creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. And Carl has over 800 simple sketches that will get you thinking and talking about what really matters in your life. Carl's also been featured on Marketplace Money, oprah.com and forbes.com. He has become a frequent keynote speaker at financial planning conferences and visual learning events around the world. Through his writing, speaking and sketches, Carl makes complex financial concepts, easy to understand. His work also serves as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money, and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money. His sketches have appeared in shows at the Kimball Art Center in Park City, Utah, at Parsons School of Design in New York City, the Schulz Museum in Santa Rosa, California, and an exhibit at the Mansion House in London. His commission work is on display in businesses and educational institutions around the globe. Carl currently resides in London with his family and is available for speaking engagements and conferences both nationally and internationally. What's more though, Matt Hall counts Carl as a long-time friend.

LIZ WESTON, a personal finance columnist at NerdWallet.com, and a Certified Financial Planner,  joined us to discuss one of her recent columns, "Retirees' Biggest Money Regrets".  From The NerdWallet.com Website:: "Liz Weston is NerdWallet’s personal finance expert. She’s a Certified Financial Planner® and author of five money books including the best-selling "Your Credit Score." She has appeared on CNBC, Fox Business, “NBC Nightly News,” the “Today” show, “Dr. Phil” and numerous radio shows, including American Public Media’s “Marketplace”; NPR’s “All Things Considered,” “Talk of the Nation” and “On Point”; and KPCC’s “Air Talk.” Her columns are carried by The Associated Press and Los Angeles Times, among other outlets. She’s quoted in national publications including The Washington Post and The New York Times." From Her Website: "I’m an award-winning** personal finance columnist, speaker, commentator and author of several books about money. I earned the Certified Financial Planner® designation in 2016.I write for the personal finance site NerdWallet, and my question-and-answer column “Money Talk” appears in newspapers throughout the country, including the Los Angeles Times, the San Diego Union-Tribune, Palm Beach Post, the Portland Oregonian and others. My book “Your Credit Score” is a national best-seller now in its fifth edition. The New York Times called one of my other books, “The 10 Commandments of Money: Survive and Thrive in the New Economy,” a “wonderful basic personal finance book…supportive of people struggling to understand these topics and trying to make ends meet.” You may have heard me on public radio. I contribute to American Public Media’s “Marketplace Money,” and NPR’s “Talk of the Nation” and “All Things Considered.” I’ve appeared “Dr. Phil,” “Today Show” and NBC Nightly News, and was for several years a weekly commentator on CNBC’s “Power Lunch.”

Tess Vigeland is the author of Leap: Leaving a Job with No Plan B to Find the Career and Life You Really Want.   Tess spent twenty years in public radio, several of which she spent as an anchor of the national business show, Marketplace and as host of Marketplace Money. She is the recipient of both a Gracie Award for Best Host/Anchor, and a national Edward R. Murrow award. In addition to being a contributing writer at the New York Times, the Guardian, and Forbes, Tess is also a photographer, a volunteer, and a thrower-of-dinner parties. See her gorgeous photos here.    See Paul’s new hairdo on http://paulollinger.com or email him on Paul@CrazyMoneyPodcast.com

From our early archives: Tess Vigeland was the host of Marketplace Money until she decided to leave….without another “job” to fall back on. In this episode we revisit making good radio, taking “the leap,” writing a book, hiring an agent….and more. https://finconexpo.com/making-great-radio-and-great-leaps-with-tess-vigeland-mm-podcast-09/ 

Need to talk about money, but worried about starting a fight? Learn easy and stressless ways you two can have the money talk and get on the same page with your finances!    How to Talk About Money (without Starting a Fight) While it makes for good TV drama, finding out your spouse has been hiding massive debt is so not the way to start talking about money. But how do you do that – how do you start talking about money? Certified Financial Planner and NY Times best-selling author Carl Richards is on today to share some ways you can begin. In this episode we get into: Why it’s hard for most couples to talk about money How money dates can keep things light and fun Ice breakers to get the ball rolling Hope you enjoy! If you’d like to hear more from Carl, please listen to our first interview about creating a one-page financial plan! Resources to Help the Money Talk Go Easier If you two are ready, here are some fantastic resources to make talking about (and managing) money much less stressful! Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Automatic Saving: Qapital Jumpstart Your Marriage and Your Money Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today! Meet Carl Richards Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in the New York Times since 2010. Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world. Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money. Keep Takeaways for Talking About Money Before we close up I want to focus on some key takeaways I got: Make talking about money a normal part of your conversations. Focus on the WHY before the HOW Keep it simple If you’d like to chat more about getting on the same page with your spouse about money, please join us in our private and free FB group – Thriving Families. We’re families looking to support and help one another out. We’re over at couplemoney.com/fb Hope to see you there! Support the Podcast! Thank you so much for listening to the podcast! Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.  

My guest in this episode is Tom Corley. Tom is an internationally recognized authority on habits and wealth creation. His inspiring keynote addresses cover success habits of the rich, failure habits of the poor and cutting edge habit change strategies. Tom has spoken alongside Richard Branson, Mark Victor Hansen, Robin Sharma, Dr. Daniel Amen and many other notable speakers. In Tom’s five-year study of the rich and poor he identified over 300 daily habits that separated the “haves” from the “have not’s.” Tom is a bestselling and award winning author. His books include: Rich Habits, Rich Kids, Change Your Habits Change Your Life and Rich Habits Poor Habits. Tom has appeared on or in CBS Evening News, The Dave Ramsey Show, CNN, MSN Money, USA Today, the Huffington Post, Marketplace Money, SUCCESS Magazine, Inc. Magazine, Money Magazine, Kiplinger’s Personal Finance Magazine, Fast Company Magazine, Epoca Magazine (Brazil’s largest weekly) and thousands of other media outlets in the U.S. and 25 other countries. Tom is a frequent contributor to Business Insider, CNBC and other national media outlets. If you are interested in joining our investor's group, you can go to cashflowninja.com/investorsgroup and fill out an application form or e-mail me at info@cashflowninja.com to start the discussion to see if you are a good fit for our group. If you are in the Philadelphia/Bucks County and Southern New Jersey area, we are hosting a live investors meetup event every month in Newtown, PA. For more information on the monthly event and information on how to join us at our next event, you can go to www.cashflowninja.com/events. Interview Links: Richhabits website If you have enjoyed our podcast, please share with friends and family Please Subscribe, Rate, and Review on Itunes so more people can find us! Support Our Sponsors Producers Wealth, create, protect & multiply your wealth in ANY Economy. Norada Real Estate, create real wealth and passive monthly cash flow. The Real Asset Investor, alternative cash flow investments. Goldsilver, buy physical gold & silver to hold as wealth insurance. Cashflow Gold & Silver, learn how to create income streams from your Gold & Silver Investments. Property Profits, how to buy & profit from prime real estate. Audible, download any audiobook for FREE when you try Audible for 30 days. Thanks so much for joining me again. Have some feedback you’d like to share? Leave a note in the comment section below! If you enjoyed this episode, please share it using the social media buttons you see at the bottom of the post! Also, please leave an honest review for the Cashflow Ninja Podcast on iTunes. Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them. And finally, don’t forget to subscribe to the show on iTunes to get automatic updates, please follow me on twitter @mclaubscher and Instagram, @thecashflowninja. Until next time! Live a life of passion and purpose on YOUR terms, M.C. Laubscher

PREVIOUSLY RECORDED What you will learn on this Podcast How to afford anything and travel the world The importance of paying yourself when operating your properties What’s Air B&B all about and is it a good strategy to add to your portfolio Why you need to make outsourcing a priority and how to do it How to quit your full time job and to start living life to the fullest What’s your most valuable asset and how to get more of it Money doesn’t buy stuff it buys choices How Real Estate investing can break the chains of your 9-5 job How to properly prioritize and why it’s so important Bio Paula Pant is a podcast host, writer, speaker, and media commentator on financial independence and real estate investing. She is the creator and host of the Afford Anything podcast, which has more than 5 million downloads and is regularly ranked as one of the Top 50 Business podcasts by Apple Podcasts. She is the founder of AffordAnything.com, a personal finance website that draws 2.5 million pageviews per year and holds more than 52,000 email subscribers. She is frequently quoted in financial media including Forbes, Kiplinger, Lifehacker, The New York Times, PBS, Marketplace Money, The Washington Post, The Globe and Mail, Inc Magazine, Yahoo! Finance, Business Insider, The Simple Dollar, Get Rich Slowly, AssetBuilder, Wisebread, the Huffington Post and many more. Her articles have appeared on dozens of major websites, including MSN Money, AOL DailyFinance, AARP Bulletin, Franklin Templeton, Bankrate, Hotpads, Trulia, Huffington Post, AOL Real Estate, H&R Block, The Balance and the Motley Fool. Contact Paula Pant Website www.affordanything.com/  To learn more about Gary Hibbert visit www.smarthomechoice.ca

Award-winning journalist Chris Farrell writes and talks about financial management and the economy, for places like Marketplace Money, Bloomberg, the Minneapolis StarTribune and Minnesota Public Radio. In this episode, he focuses particularly on his book, “Unretirement: How Baby Boomers are Changing the Way We Think About Work, Community and the Good Life.” The book has been hailed as a breath of fresh air, after years of gloomy reports that Baby Boomers were about to bleed America dry. Chris reports that retirement isn’t what it used to be, and that many older people are actually bolstering the economy by continuing to work, by starting new businesses and by volunteering vital services.

Featured Guest Liz WestonI’m an award-winning** personal finance columnist, speaker, commentator and author of several books about money. I earned the Certified Financial Planner® designation in 2016.I write for the personal finance site NerdWallet, and my question-and-answer column “Money Talk” appears in newspapers throughout the country, including the Los Angeles Times, the San Diego Union-Tribune, Palm Beach Post, the Portland Oregonian and others.My book “Your Credit Score” is a national best-seller now in its fifth edition. The New York Times called one of my other books, “The 10 Commandments of Money: Survive and Thrive in the New Economy,” a “wonderful basic personal finance book…supportive of people struggling to understand these topics and trying to make ends meet.”You may have heard me on public radio. I contribute to American Public Media’s “Marketplace Money,” and NPR’s “Talk of the Nation” and “All Things Considered.” I’ve appeared “Dr. Phil,” “Today Show” and NBC Nightly News, and was for several years a weekly commentator on CNBC’s “Power Lunch.”Footnotes:*My mistakes include buying retirement property at age 26. In Alaska. Eighty miles from the nearest road. I still have it, if anyone wants to make an offer.**My awards include:The Betty Furness Consumer Media Award (2010) by the Consumer Federation of America, designed to honor individuals who have made “exceptional progress in American consumerism.”A Clarion Award (2007) for my MSN Money series on financial benchmarks. The columns also won several awards from the Society of American Business Editors and Writers, including a 2008 “Best in Business” honor.A team Pulitzer Prize for Meritorious Public Service (1989) for coverage of the alcoholism epidemic among native Alaskans. My article on fetal alcohol syndrome led the coverage on Day 3 of the 10-day series.A team Gerald Loeb Award (1997) for coverage of the Comparator Systems penny stock scandal.

Investing your money is the key to building substantial wealth. This week, we invite Paul Pant back on the podcast to help us make money through investing in real estate. Paula is the founder of the website AffordAnything.com and a writer and speaker specializing in money, business and real estate investing. She has been featured more than four dozen major publications, including Forbes, Fortune, Money.com, AOL DailyFinance, Marketplace Money, Kiplinger, Bloomberg Business, Inc. Magazine, Business Insider, and many more (and this is only half of her resume) See omnystudio.com/policies/listener for privacy information. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Carl Richards has a financial wealth management background and has been working for some of the largest financial institutions out there in various advisory roles. He is best known for being a creator of the Sketch Guy column, appearing weekly in the New York Times since 2010. Carl has also featured on Marketplace Money, Oprah.com and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money.   In our conversation with Carl we discussed various aspects of behavioural finance and wealth management. Here are a few topics we have discussed:   What problems are plaguing the wealth management industry How carl advised clients in wealth management How to explain difficult finance concepts in a simple way Mutual funds vs individual investing Behavioural finance and how people typically react to various market situations Why are people so bad at picking their investments The raise of Robo-advisors and how they disrupt the financial advisors market. What would Carl advise to people looking to get into the wealth management field     As always, make sure you share the podcast with anyone you think might benefit from the information. And don't forget to leave us a 5-Star review on iTunes!   Find out more at http://www.thewallstreetlab.com/ Luke & Leo

Fellow podcaster Paula Pant shares her expertise on mastering your personal finances, caring for your career, and making wise decisions.   You'll Learn: How to afford anything...but not everything Why self-care is career care How to successfully prep for newer and bigger obstacles   About Paula: Paula Pant is the founder of the award-winning website AffordAnything.com and a writer and speaker specializing in money, business and real estate investing. She has been featured more than four dozen times in major publications, including Forbes, Fortune, Money.com, AOL DailyFinance, Marketplace Money, Kiplinger, Bloomberg Business, Inc. Magazine, Business Insider, and many more.   View transcript, show notes, and links at http://AwesomeAtYourJob.com/ep254

Now untethered from her highly successful career as host of Marketplace Money on NPR, Tess Vigeland is finding another kind of life with a different impact.

This week I sat down with millennial money expert and author, Erin Lowry. Erin Lowry is a millennial personal finance expert and the founder of BrokeMillennial.com. She’s also the author of “BROKE MILLENNIAL: Stop Scraping by and Get Your Financial Life Together.” Lowry has contributed to Forbes, Business Insider, New York Magazine’s The Cut and U.S. News & World Report. Some of her insights have been featured by outlets including: CNBC, Fox & Friends, CBS Sunday Morning, USA Today, Wall Street Journal, Newsweek and Marketplace Money. Lowry lives in New York City with her spunky rescue dog Mosby. HERE'S WHAT YOU’LL LEARN FROM THIS EPISODE: Why your money story doesn’t always have to be from “rags to riches” Questions to ask to confirm you have a gold star in personal finance What backwards planning is when it comes to your money Some of the roadblocks Millennials are facing when it comes to their finances and how to overcome them. Considerations for starting today instead of delaying for the future and how compound interest works in your favor. How your parents and family have influenced your thoughts and beliefs around money. How social media has helped in aiding conversations about money. Whether Millennials are scared of the stock market and where the real issues are. LINKS WE MENTIONED ON THE SHOW: Erin’s Website Broke Millennial BROKE MILLENNIAL: Stop Scraping by and Get Your Financial Life Together Work Your Wealth Episode 5: From Smart Mom to Rich Mom with Kimberly Palmer

Erin Lowry is a millennial personal finance expert and the founder of BrokeMillennial.com. She’s also the author of the forthcoming book “BROKE MILLENNIAL: How to stop scraping by and get your financial life together.” Lowry has contributed to Forbes, Business Insider, New York Magazine’s The Cut and U.S. News & World Report. Some of her insights have been featured by outlets including: CNBC, CBSSunday Morning, USA Today, Wall Street Journal, Newsweek and Marketplace Money. Lowry lives in New York City with her spunky rescue dog Mosby. Social Media Handles: Twitter: @BrokeMillennial, Instagram: @brokemillennialblog, Facebook: https://www.facebook.com/BrokeMillennial/ Website: http://brokemillennial.com/ --- Support this podcast: https://anchor.fm/the-ash-cash-show/support

Post-career life is not what you expect. The pro-leisure circuit of living an endless vacation in permanent bliss is a myth. Many early retirees face a rude awakening without a career that gives purpose and defines your identity. In this interview I talk with Tess Vigeland, author of Leap and former host for NPR's Marketplace Money, as we reveal case studies and research giving actionable advice on how to manage the post-career transition smoothly and find happiness on the other side. Preparation is the key to navigating the change smoothly, and this podcast will show you how...

Episode 32 (1st episode of Season 3!) Guest: Carl Richards Carl Richards is a Certified Financial Planner and the creator of the weekly Sketch Guy column in the New York Times and is a columnist for Morningstar Advisor. Carl has also been featured on Marketplace Money, The Leonard Lopate Show, Oprah.com and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world. Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin). Carl’s art appeared in a solo show at the Kimball Art Center, in Park City, Utah. Other showings include The Parson’s Gallery in New York, The Shultz Museum, and an exhibit at the Mansion House in London. His commissioned work is on display in businesses and educational institutions across the country. He lives with his family in Park City, Utah. In this episode we cover: (2:50) Balancing fear with the uncertainty of the real world (6:33) Why immigrant parents want their kids to become doctors and our advice to college students in selecting a major (12:05) Fear and greed through the lens of investing (15:15) What you should do for investing instead of 'buy low, sell high' (16:00) How to identify your goals for a financial plan in an easy and stress-free way (18:55) Long term financial planning for college students, and not ending up as a financial statistic. Carl also tells us the difference between students who graduate with debt and those who don't (21:10) 3-step process to filter all the financial advice given by friends and experts alike (27:05) Happiness, priorities, mindfulness, and consumption (31:15) Financial planning - process vs. plan and handling important but not urgent financial goals (34:50) Dealing with emotions and mitigating their impact in financial decisions (36:50) The power of positive thinking, fake it til you make it, vision boards, buying Bentleys, and the most dangerous personal finance book ever (41:30) The 3 things everyone needs to pay attention to (42:10) Carl turns the tables to ask about how to balance Islamic teachings about debt and interest in a modern American context Connect with Carl Richards: 1. Tweet at him and tell him something you learned from this podcast: http://twitter.com/@behaviorgap 2. Sign up for his newsletter at http://behaviorgap.com 3. Sketch Guy column at the New York Times: http://www.nytimes.com/interactive/your-money/carl-richards-gallery.html Get his books here: Behavior Gap: http://amzn.to/2dbwbNt One Page Financial Plan: http://amzn.to/2dDPefi *** If you enjoyed this podcast, please take a minute to share with a friend and RATE and SUBSCRIBE in iTunes. iTunes Link: http://bit.ly/dfmpodcast Stitcher Radio: http://bit.ly/dfmstitcher Android (RSS): http://bit.ly/dfmpodcastrss You can also visit our website and sign up for the email list to be notified of new episodes, articles, and get our FREE ebook – A Practical Guide to Debt and Personal Finance for Muslims: http://debtfreemuslims.com/get-our-free-ebook/

Scott and Pat speak with Chris Farrell, economics editor for Marketplace Money and author of Unretirement: How Baby Boomers are Changing the Way We Think About Work, Community, and the Good Life. Scott and Pat also discuss rising interest rates and how that may affect your retirement. Next, they talk to a caller who’s worried about having enough money to retire. Lastly, they interview one of Hanson McClain’s longest-tenured advisors, Dave Cox, about an interesting client experience he had.   Scott Hanson and Pat McClain have been hosting Hanson McClain’s Money Matters radio show for over 20 years, and have answered questions from thousands of callers on a variety of financial topics.  Ask a question at moneymatters.com, or email Scott and Pat at questions@moneymatters.com.  

Tess Vigeland, veteran radio producer and former anchor for public radio's Marketplace, join us to discuss her story of leaping without a plan B.Highlights Developing an awareness of the moments we fall in love with our workThe challenges of coming up with your own definitions of successWhy we all don't have to be specialThe mentality that sets us up to feel like failuresHow definitions of success change over the course of our lives and our careersLessons in mastery from more than 20 years in radioNavigating loss of identity that comes with significant changes in your lifeNavigating the psychological challenges of leaping into uncertaintyBooks and ResourcesTess's talk at the World Domination SummitLeap without a Plan BQuotesEverybody doesn't have a calling, but why should they? @tessvigeland via @unmistakableCRYou have one life to live. Live it the way you want to live it. @tessvigeland via @unmistakableCRYou can't be a journalist if you don't have a curious mind. @tessvigeland via @unmistakableCRThere's a great responsibility to making sure people are informed about their world. @tessvigeland via @unmistakableCRPeople back from the cliff because they can't imagine who they are without what they do.If the self-help books worked, we wouldn't have so many of them.Tess Vigeland is a veteran journalist, and a well-known voice to millions of American radio listeners. She is the CEO of Tess Vigeland Productions, a Los Angeles-based multi-media company. Tess spent 11 years as an anchor for public radio's Marketplace, including six hosting the personal finance show Marketplace Money. Her first book, titled “Leap: Leaving A Job With No Plan B to Find the Career and Life You Really Want,” was published in August 2015, by Random House Harmony. See acast.com/privacy for privacy and opt-out information.

Our guest today is a pioneer financial blogger, one of the first to sell his blog for 7 figures. Jim Wang founded Bargaineering.com. It was a side hobby that eventually brought in a full time income — and then less than 5 years later he sold the site for $3 million. PS. He says he started the blog because he was bored! Today Jim has a new online venture, a website called Wallethacks.com, launched last fall. It’s pretty spectacular in its vision and delivery. Articles, tools and tips on building money systems, how to live fully, save, spend wisely and pay down debt. Jim’s been featured in the New York Times, Baltimore Sun, Entrepreneur and Marketplace Money. And now, excited to say, on this podcast. He also created a special link for So Money listeners offering an exclusive contest and some great materials so check it out by visiting wallethacks.com/somoney. Three takeaways from our time together... His growth strategy for Wallethacks and how it will differ from how he built his first successful blog. Growing up with immigrant parents. What financial lessons did he learn as a child? How to master your money even if you're forgetful like Jim! For more information visit www.somoneypodcast.com. 

Today marks the last week of 2015 and I thought what better way to close out the year than to reflect on some of the wonderful lessons my guests have shared with us this year on the show? It’s been almost a full year since the show launched and I’m so grateful to my guests and all of you who have taken the time to tune in and ask questions day in and day out.  In just the last month we’ve been featured in the Wall Street Journal, INC Magazine and on Marketplace Money, my favorite radio program. I’m excited to see what 2016 has in store, but so thankful for a wonderful 2015. This is how our year-end wrap episodes will work. Each day I’ll have a special theme and share some excerpts from some of my top interviews that correspond with that topic. Today’s theme is “Health & Wealth.” So often we hear from my guests about how important it is to keep your health in check and how that can translate into growing your wealth. In this episode we'll go back and hear from: Lewis Howes, Author of "The School of Greatness" interviewed in episode 277 James Altucher, Entrepreneur and Best-Selling Author interviewed in episode 3 Dave Asprey, Author of "The Bulletproof Diet" interviewed in episode 11 Amie Valpone, Nutritionist and Founder of "The Healthy Apple" interviewed in episode 302 For more information visit www.somoneypodcast.com. 

Tess Vigeland is a veteran journalist, and a well-known voice to millions of American radio listeners. For eleven years, Tess was the host of Marketplace Money. Tess is also the author of: Leap: Leaving a Job with No Plan B to Find the Career and Life You Really Want After climbing a tall ladder of success, Tess left NPR and has been on her own hero s journey. Last time we discussed the truth about leaving the tall ladder and the real story afterwards. In this conversation we dive deeper into learning to listen to oneself and act on what you are hearing. You have all the things that are supposed to make you happy. ~ Tess Vigeland, on How She Really Does It LISTEN HERE In this conversation we discuss: How to listen to self Signs Getting to know yourself Pay attention to joy Restlessness Failure – what does it mean Expectations of others Retirement Who am I outside of my job? ~ Tess Vigeland, on How She Really Does It Mentioned in this Podcast Tess Vigeland at WDS Book: Leap: Leaving a Job with No Plan B to Find the Career and Life You Really Want Tess Vigeland website I appreciate the itunes reviews. Thank you! If you find How She Really Does It makes an impact on your life, please leave a comment or a rating for the show at iTunes. Click view in iTunes button > Launch iTunes application > Click Write a Review. Your review helps spread the word about the show + is always appreciated by me. Thanks for listening to How She Really Does It, the place where inspiration + possibility meet. I so appreciate your emails about the show + it s impact on your life. I look forward to serving you with this show! Thanks for Listening! Tess love your authenticity! Thank you for joining me! smiling, The post Listen to Self – Tess Vigeland appeared first on howshereallydoesit.com.

Tess Vigeland is a veteran journalist, and a well-known voice to millions of American radio listeners. For eleven years, Tess was the host of Marketplace Money. Tess is also the author of: Leap: Leaving a Job with No Plan B to Find the Career and Life You Really Want After climbing a tall ladder of success, Tess left NPR and has been on her own hero s journey. Tess and I discuss her new book and what it is and is not. It s really the truth about leaving. I am not crazy. I am not alone in wanting to step outside of what you are supposed to do. ~Tess Vigeland, on How She Really Does It LISTEN HERE In this conversation we discuss: Blueprint The Truth Learning what you need to know Common Humanity – Self-Compassion Either – Or can coexist External validation and judgment Leap + uncertainty I am not the only one who has externally the most incredible career, opportunity and love for what I do and yet still wonders what else must be out there. ~ Tess Vigeland, on How She Really Does It Mentioned in this Podcast Tess Vigeland at WDS Book: Leap: Leaving a Job with No Plan B to Find the Career and Life You Really Want Tess Vigeland website I appreciate the itunes reviews. Thank you! If you find How She Really Does It makes an impact on your life, please leave a comment or a rating for the show at iTunes. Click view in iTunes button > Launch iTunes application > Click Write a Review. Your review helps spread the word about the show + is always appreciated by me. Thanks for listening to How She Really Does It, the place where inspiration + possibility meet. I so appreciate your emails about the show + it s impact on your life. I look forward to serving you with this show! Thanks for Listening! Tess love your authenticity! Thank you for joining me! smiling, The post The Truth about Leaving appeared first on howshereallydoesit.com.

In Episode 59, Accredited Investor Markets Radio speaks with Tom Corley, author of Rich Habits -- The Daily Success Habits of Wealthy Individuals, a best-seller based upon Corley's 5-year research project where he separates fact from myth as to the habits of the wealthy and non-wealthy people. Corley and host Christopher Cahill bring Thorstein Veblen, Adam Smith, Aristotle, Benjamin Franklin, and George Washington into the fray.   You can learn more about Tom Corley and his books here.   Or you can find him here:   Twitter: @RICHHABITS Facebook LinkedIn     About Tom Corley   Tom Corley understands the difference between being rich and poor: at age nine, his family went from being multi-millionaires to broke in just one night.   For five years, Tom observed and documented the daily activities of 233 wealthy people and 128 people living in poverty. He discovered there is an immense difference between the habits of the wealthy and the poor. During his research he identified over 200 daily activities that separated the “haves” from the “have nots.” The culmination of his research can be found in his #1 bestselling book, Rich Habits – The Daily Success Habits of Wealthy Individuals.   A dynamic and empowering speaker, Tom motivates audiences at industry conferences, corporate events, universities, multi-level marketing groups and global sales organizations. Participants leave fortified and ready to excel both personally and professionally.   Tom has shared his insights on various national and international network and cable television programs such as CBS Nightly News, Yahoo Financially Fit T.V., India T.V., News.com Australia and a host of others. He has wowed listeners on many prestigious nationally syndicated radio shows including the Dave Ramsey Show, Marketplace Money and WABC.   Featured in numerous print magazines, such as Money, Entrepreneur, More and Kiplinger’s, and various online publications including USA Today, CNN, MSN Money, SUCCESS.com and the Huffington Post. Tom is also a frequent contributor to Business Insider, Credit.com and has been profiled in SUCCESS Magazine.   National publicity has garnered international media attention for Tom and Rich Habits. Broadcast media, online publications, and television throughout Asia, the South Pacific, Europe, the United Kingdom, and Central and South America have supported Tom’s powerful message. In an effort to help adults instill good habits in the younger generation, Tom has recently released his second book, Rich Kids – How to Raise Our Children to be Happy and Successful in Life. Rich Kids was the self-help category winner of the 2015 NY Book Festival.   Tom is also a CPA, CFP and holds a Master’s Degree in Taxation. As President of Cerefice and Company, CPAs, Tom heads one of the top financial firms in New Jersey.

Today's guest is Paula Pant from affordanything.com. Paula Pant quit her day job in 2008 and never looked back. She's traveled to 33 countries and counting, runs an online business from her laptop, and owns 7 investment property units that provide enough passive income to fuel her lifestyle. On her popular website, Afford Anything, she writes about achieving financial independence through hustling and investing, as well as general money-savvy tips for anyone trying to build wealth. She's been featured in more than four dozen publications, including Forbes, US News, DailyFinance, Marketplace Money, Redbook, Kiplinger, Lifehacker and more. We're talking about passive income, world travel, how to keep routines while on the road, and her anti-budgeting technique.  Where to find Paula: affordanything.com  facebook.com/affordanything

Today’s guest is a veteran journalist and well-known voice to millions of American Radio listeners. She is Tess Vigeland, CEO of Tess Vigeland Productions, an LA-based multi-media media company. For 11 years, she was the anchor for public radio’s Marketplace as well as spent 6 years hosting the personal finance show, Marketplace Money. Tess also wrote the newly published book titled, Leap: Leave A Job With No Plan B to Find the Career and Life You Really Want. This book was based off of Tess’s personal experience after she felt that “Marketplace’s Tess Vigeland” was no longer fulfilling and left her dream job to find her next calling. In her book she talks about leaping without a net with humor and honesty and shares the possibilities that are on the otherside for those willing to leap with her. Tess still keeps her radio voice warmed up serving as a backup anchor for NPR’s All Things Considered as well as shows on two local LA stations. In her “spare” time, time she writes for The New York Times, The Guardian among many others as well as serves as a professional emcee, speaker, panel moderator and interviewer. For more information visit www.somoneypodcast.com.

While I was at FinCon 2015, I had the pleasure of interviewing Carl Richards with a live audience. He is a Certified Financial Planner and the director of investor education for BAM Alliance, which is a community of more than 130 independent wealth management firms located across the United States. Carl is the creator of the weekly Sketch Guy column in The New York Times and a columnist for Morningstar Advisor. His sketches are most known for taking complex financial concepts and making them easy to understand. They also served as the foundation for his first book, The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money. Most recently this past March, Carl released the book The One-Page Financial Plan: A Simple Way to Be Smart About Your Money. Carl’s work has also been featured on Marketplace Money, Oprah.com, Forbes,com among others. He has also become a frequent keynote speaker at financial planning conferences and visual learning events around the globe. Carl’s artwork has appeared in a solo show at the Kimball Art Center in his hometown of Park City, Utah and other showings include The Parson’s Gallery in New York, The Shultz Museum in California and the Mansion House in London. His commissioned work is on display in businesses and educational institutions across the country. For more information visit www.somoneypodcast.com.

For Life on Purpose Episode #31, my guest is veteran journalist, speaker, and author Tess Vigeland, a well-known voice to millions of American radio listeners as the longtime host with public radio’s Marketplace. In the fall of 2012, she quit what she considered her "dream job" without having a Plan B lined up, or even any idea what she wanted to do next. This set the stage for what happened next... Tess joins me for a great conversation about career, life, vulnerability, her life changing speech at WDS 2013 in Portland, and her brand new book Leap: Leaving a Job with No Plan B to Find the Career and Life You Really Want. About Tess: Tess Vigeland is a veteran journalist, and a well-known voice to millions of American radio listeners. She is the CEO of Tess Vigeland Productions, a Los Angeles-based multi-media company. Tess spent 11 years as an anchor for public radio’s Marketplace, including six hosting the personal finance show Marketplace Money. Her first book, titled “Leap Without A Net: Leaving A Job With No Plan B,” is due out August 25, 2015, from Random House Harmony. When she’s not locked away writing, Tess can be heard as a backup anchor for NPR’s All Things Considered, as well as KCRW’s To The Point and KPCC’s Take Two in Los Angeles. She also serves as a professional emcee, speaker, panel moderator, and interviewer for conferences and other events. Tess also writes for The New York Times and The Guardian, among numerous other publications. About Leap: Until recently, Tess Vigeland was a longtime host with public radio’s Marketplace; it was a rewarding, high-status job, and Tess was very good at it—but she’d begun to feel restless. Without any definite, clear sense of what she wanted to do next (but an absolute certainty that what she’d been doing was no longer truly satisfying), she walked away from her dream job and into a vast unknown. Suddenly she was no longer “Marketplace’s Tess Vigeland,” she was just Tess Vigeland. For the multitude of Americans who change jobs mid-career (by choice or circumstance), the growing legions of freelance workers, and the entrepreneurially-minded who see self-employment as an increasingly more appealing and viable option, Tess Vigeland has created a personal and well-researched account of leaping without a net. With her signature humor, she writes honestly about the fear, uncertainty, and risk involved in leaving the traditional workforce—but also the excitement, resources, and possibilities that are on the other side. Leap is also about finding a new definition of success. Tess poses the important question – “Who am I without my job?" She shares the accounts of people who struggled with this question before and after they took their own leap of faith, and ended up finding out more about themselves than they’d thought possible. Success doesn’t have to be measured by salary or a traditional career path, as so many of us are conditioned to think, but by your own happiness and fulfillment. Part memoir and part field guide, this book offers a funny, thoughtful, and provocative look at how to find satisfaction and success when pursuing a career less ordinary. To learn more about Tess, visit: http://www.tessvigeland.com.

Tess Vigeland was the host of Marketplace Money until she decided to leave....without another job to fall back on. Today we discuss making good radio, taking "the leap", writing a book, hiring an agent....and more. I take the opportunity to ask Phillip Taylor, our co-host, many of the same questions. You'll get a fun and informative look into the workings of PTMoney. Get more information about this episode and any upcoming FinCon Expo news at http://www.finconmedia.com/making-great-radio-and-great-leaps-with-tess-vigeland-mm-podcast-09

In Episode 37 of Accredited Investor Markets Radio Carl Richards, the New York Times' "Sketch Guy", and Christopher Cahill discuss Carl's new book, 'The One-Page Financial Plan: A Simple Way to be Smart About Money'. Principal questions: Why are even financially sophisticated persons afraid of dealing with their own financial plans? How should our financial plans relate to our fundamental values? What questions should we ask any professional advisor?  Where did those great sketches of Carl's come from?   You can find out more about Carl Richards and his book here and here.   Or you can find him here: Twitter: @behaviorgap Facebook LinkedIn Google+ Soundcloud     About Carl Richards   Carl Richards is a CERTIFIED FINANCIAL PLANNER™ and the director of investor education for the BAM ALLIANCE, a community of over 130 independent wealth management firms throughout the United States. …our desire for validation comes with some serious blind spots. Income is relative to so many other factors that both the number of dollars earned and how they appear to be spent make for a worthless comparison. He is the creator of the weekly Sketch Guy column in the  The New York Times, and is a columnist for Morningstar Advisor. Carl has also been featured on Marketplace Money, The Leonard Lopate Show, Oprah.com and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.   Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his first book, The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin). Carl’s art appeared in a solo show at the Kimball Art Center, in Park City, Utah. Other showings include The Parson’s Gallery in New York, The Shultz Museum, and an upcoming exhibit at the Mansion House in London. His commissioned work is on display in businesses and educational institutions across the country. He lives with his family in Park City, Utah.

"The most important thing is getting clarity about the big picture so you can cope with the unexpected. Maybe you'll lose the job you thought was secure; you'll take a financial risk that doesn't pan out; you'll have twins when you were only budgeting for one. In other words: Life will happen." Carl Richards Today we were joined by the author of the new book The One Page Financial Plan, Carl Richards. Carl Richards is a CERTIFIED FINANCIAL PLANNER™ and the director of investor education for the BAM ALLIANCE, a community of over 130 independent wealth management firms throughout the United States. He is the creator of the weekly Sketch Guy column in the The New York Times, and is a columnist for Morningstar Advisor. Carl has also been featured on Marketplace Money, The Leonard Lopate Show, Oprah.com and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his first book, The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin). Carl's art appeared in a solo show at the Kimball Art Center, in Park City, Utah. Other showings include The Parson's Gallery in New York, The Shultz Museum, and an exhibit at the Mansion House in London. His commissioned work is on display in businesses and educational institutions across the country. He lives with his family in Park City, Utah. We were also joined by Suzanne Edwards from the Houston Business Journal for our monthly check in on the local Houston business news. Suzanne discussed the oil market, mergers and acquisitions and roboinvesting.   The One-Page Financial Plan   You can find out more about Carl Richards  by visiting the website at: www.thebehaviorgap.com You can listen live by going to www.kpft.org and clicking on the HD3 tab. You can also listen to this episode and others by podcast at: http://directory.libsyn.com/shows/view/id/moneymatters or www.moneymatterspodcast.com ‪#‎kpft‬ #behaviorgap @hbjsuzanne

Tom Corley understands the difference between being rich and poor: at age nine, his family went from being multi-millionaires to broke in just one night. For five years, Tom observed and documented the daily activities of 233 wealthy people and 128 people living in poverty. He discovered there is an immense difference between the habits of the wealthy and the poor. During his research he identified over 200 daily activities that separated the “haves” from the “have nots.” The culmination of his research can be found in his #1 bestselling book, Rich Habits – The Daily Success Habits of Wealthy Individuals. A dynamic and empowering speaker, Tom motivates audiences at industry conferences, corporate events, universities, multi-level marketing groups and global sales organizations. Participants leave fortified and ready to excel both personally and professionally. Tom has shared his insights on various national and international network and cable television programs such as CBS Nightly News, Yahoo Financially Fit T.V., India T.V., News.com Australia and a host of others. He has wowed listeners on many prestigious nationally syndicated radio shows including the Dave Ramsey Show, Marketplace Money and WABC. Featured in numerous print magazines, such as Money, Entrepreneur, and Kiplinger's, and various online publications including CNN, MSN Money, SUCCESS.com and the Huffington Post. Tom is also a frequent contributor to Business Insider and has been profiled in SUCCESS Magazine. Email: tom@richhabits.net Website: richhabits.net ------- VISIT: www.progress-not-perfection.com SPREAD THE WORD: If you liked this episode, please subscribe in iTunes and WRITE A REVIEW. This is what helps make the podcast easily accessible to those who could benefit from it. GET NEW EPISODES DELIVERED TO YOUR PHONE: Download the Podcasts app and subscribe to the progress-not-perfection podcast to have new episodes delivered directly to your phone. FEEDBACK: If you want to bounce any ideas off me, provide show feedback, or guest recommendations, email me at zaid@progress-not-perfection.com.   

While we do some housekeeping on the Keg this week, please enjoy this replay of our interview with Tess Vigeland. Tess Vigeland is a veteran journalist, and a well-known voice to millions of American radio listeners. She is the CEO of Tess Vigeland Productions, a Los Angeles-based multi-media company. Until November 2012, Vigeland was the host of Marketplace Money, a weekly personal finance program that looks at why we do what we do with our money. 

My guest today is Carl Richards, a Certified Financial Planner and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. The topic is finance. In this episode of Trend Following Radio we discuss: Richards' new radio venture How Richards came to start The Behavior Gap Outliers, and living your own bell curve Risk on a daily, weekly, and monthly basis The definition of radical self-awareness Mindfulness and awareness as applied to our financial decisions Habit, action, feeling, and thought Simplicity and effectiveness Government intervention in the markets Quantitative easing Buy and hold in Japan Loss aversion and the pain of loss Feeling loss more than the joy of gain Jump in! --- I'm MICHAEL COVEL, the host of TREND FOLLOWING RADIO, and I'm proud to have delivered 10+ million podcast listens since 2012. Investments, economics, psychology, politics, decision-making, human behavior, entrepreneurship and trend following are all passionately explored and debated on my show. To start? I'd like to give you a great piece of advice you can use in your life and trading journey… cut your losses! You will find much more about that philosophy here: https://www.trendfollowing.com/trend/ You can watch a free video here: https://www.trendfollowing.com/video/ Can't get enough of this episode? You can choose from my thousand plus episodes here: https://www.trendfollowing.com/podcast My social media platforms: Twitter: @covel Facebook: @trendfollowing LinkedIn: @covel Instagram: @mikecovel Hope you enjoy my never-ending podcast conversation!

As I sat with 3,000 fellow entrepreneurs waiting for the next speaker to enter the stage, the beauty of Portland's antique theater overwhelmed me. Wrought iron railings, ornate tapestries, brass fixtures, and gold inset wood designs set the mood for Tess Vigelund from NPR's "MarketPlace Money" (9 million weekly listeners) to take the stage. After thunderous applause, she stunned me with her bold statement. Everything you need to know about financial planning is just 6 stories, and everything else written on the subject merely rehashes those core 6 stories over and over again to make them look different. Could it be true? Was financial planning really that simple? Just 6 core ideas? I was intrigued...

Tess Vigeland is a veteran journalist, and a well-known voice to millions of American radio listeners. For eleven years, Tess was the host of Marketplace Money, a weekly personal finance program that looks at why we do what we do with our money. After climbing a tall ladder of success, Tess left NPR and is finding her next act. She was recently a guest here as we talked about her now viral WDS talk which led to a book deal – Act IV. Today Tess returns so we can discuss success, how she measured it before and how she measures it now. “The way you see yourself is not the way other people see you.” ~ Tess Vigeland, on How She Really Does It LISTEN HERE In this interview we discuss: Measure Success – how did she measured success in college. Tess + uncertainty. How achievement was supposed to create “enough.” Worthiness tied to rungs on the career ladder. Hustling for approval. The biggest metnal hurdle -> HINT: money Finding a place in the world after you leave the high level of success. Two takeaways – for listeners wanting to transition…. “None of what we go through is easy. Inside it is really, really, really hard. And it’s a lot of work. But it’s worth it.” ~ Tess Vigeland, on How She Really Does It Mentioned in this Podcast Tess’s WDS talk (transcript) Act IV facebook Twitter NYT times article about Amanda Peet smiling, The post Tess Vigeland: When are you Enough? appeared first on howshereallydoesit.com.

Tess Vigeland is a veteran journalist, and a well-known voice to millions of American radio listeners. She is the CEO of Tess Vigeland Productions, a Los Angeles-based multi-media company. Until November 2012, Vigeland was the host of Marketplace Money, a weekly personal finance program that looks at why we do what we do with our money.  

You dream of obtaining your dream job. But what happens when the dream job is no longer your dream and you leave without knowing where you are headed? Tess Vigeland recently wowed the crowd at WDS (World Domination Summit hosted by former guest Chris Guillebeau). Tess speech at WDS, What the Hell Are you Doing?! A Serious Stare Down the Barrel of an Ordinary Life. was raw and ripe with vulnerability. She talked about her dream of being a host of a national radio show Marketplace Money, obtaining her dream job and leaving when she still had too much self respect to stay. Unlike the movie story endings we so often like to watch, Tess left her dream job without a safety net and without knowing what was next. On the WDS stage, Tess, let down her armor and shared with us her real journey. “I did not have a plan.” ~ Tess Vigeland, on How She Really Does It LISTEN HERE Tess and I will talk about the truth of leaving your dream job and figuring out what s next. Why say yes to the World Domination Summit? WDS – stepping up and showing us what it is really like to leave When others tell you about what you are capable of; support that makes you cringe; how you will support others HOW TO KNOW WHEN TO LEAVE – too much self respect to stay Paralysis of change Real ups and downs – Bruce Springsteen believe you are the baddest ass in town and that you suck. Journalists have armor, you let go of your armor, what was that like where are you now – what have you learned from these past 11 months and the last few weeks Two takeaways – for listeners wanting to leave…. “What’s amazing about a leap of faith – everyone around you is so sure it’s all going to work out.” ~ Tess Vigeland, on How She Really Does It Resources Mentioned in this Podcast Tess Vigeland on facebook Tess talk at World Domination Summit Read her speech here “What the Hell Are You Doing?!” Bruce Springsteen SXSW talk Interview with Jonathan Fields Interview with Gretchen Rubin Interview with Chris Guillebeau, founder of WDS World Domination Summit   smiling, The post Tess Vigeland: After the Dream Job… appeared first on howshereallydoesit.com.

Tess Vigeland is a familiar voice for fans of National Public Radio; she’s been on public radio for over twenty years, and for the last decade she was part of NPR’s popular national Marketplace program, including serving several years as the host of Marketplace Money. In this episode of A Congruent Life, Tess reflects on […] The post ACL 021: Tess Vigeland appeared first on A Congruent Life.

After a long hiatus (and a change in IPR's podcast location to http://IrrationalPublicRadio.com/podcast), we are back with special guests ; Tess Vigeland from Marketplace Money (yup, the real-life public radio show), and Debra Wilson (of MadTV and much more).   Cast : Jesec Griffin, Amy K Pearson, Salli Saffioti, Ben Shields, Joe Smith, Tess Vigeland, and Debra Wilson.  Written & directed by Joe Smith.  Music by Andy McKee, Cotton Jenny, and Anne Farnsworth,  IPR Theme Music by Greg Benson. Special Thanks to Dave Jackson/School Of Podcasting. If you felt like spreading the word, sharing on facebook or twitter, reviewing us on iTunes, etc., we wouldn't say no.   Thank you. We've just revamped out site, our podcast, and much of our other techie-type stuff.  There may be bugs.  We'd love to know how easy or difficult a time you're having navigating our stuff.  Email us to let us know  : contact [at] irrationalpublicradio.com The post Ep.20 – Tess Comes on Board, Helper Goats, New Imaginary Numbers appeared first on Irrational Public Radio.