Podcasts about sketch guy

Jodi Kantor and Ron Lieber are both distinguished journalists at The New York Times, and today they join Carl to discuss the importance of financial stability for their family while pursuing work that is meaningful, both as individuals, and as a couple. Ron has been the “Your Money” columnist for The New York Times since 2008, and worked as the editor for Carl's “Sketch Guy” column when he was at the Times. In 2017, Jodi and her colleague Megan Twohey I broke the story of decades of sexual abuse allegations against the Hollywood producer Harvey Weinstein, work that helped ignite the #MeToo movement and spur cultural, corporate and legal changes around the globe. In this episode of 50 Fires, Ron and Jodi discuss their personal experiences with money and how it has shaped their lives. They discuss the role of money in their family and the lessons they ultimately hope to pass on to their children.  Email List: Sign up at https://www.50fires.com/ for our monthly email with resources for financial advisors!  Follow 50 Fires on Instagram: https://www.instagram.com/50firespod/ Please direct business inquires to: blindnilaudio@magnolia.com Cover Art: Josh Passler - TheFinArtist.com Music Credits:  Alexandra Woodward / Rabbit Reggae / courtesy of www.epidemicsound.com Cody Francis / Wherever You're Going / courtesy of www.epidemicsound.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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.

You think money is a math problem—if you learned more budgeting apps or listened to more podcasts about investing, you'd be good at money and be able to fix your problems. Newsflash: That doesn't work. It doesn't fix anything because money is so much more than math - it's feelings, emotions, and beliefs. So what can you do? You can learn from our guest, Carl Richards, a Certified Financial Planner™ and creator of the Sketch Guy column, which appeared weekly for a decade in The New York Times and host of 50 Fires podcast. Carl's recipe for money success looks like mine, which I share on this show. He believes in getting past your money blocks; you must understand what money means to you and where you want to go - what do you want your money to do for you? You've got to get to the root of the issue around money and fix that. I'm a huge fan of Carl's. I'm a guest on his podcast, 50 Fires, today so you can listen to that episode. I want you to throw out everything you think about money and everything you've learned and listen closely to this episode. This is the real stuff about money that will help you create change. I know it because I've lived it…and so has Carl. LINKS 50 Fires The One-Page Financial Plan The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money Behavior Gap website CONNECT WITH SHANNAH Freebie - 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq  Follow me on Instagram  Leave a 5-star Review here https://ratethispodcast.com/etm.  Subscribe to our YouTube Channel https://www.youtube.com/@EveryonesTalkinMoney SPONSORS Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM. Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to do lists, and action items. Try Notion for free when you go to Notion.com/ETM. Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don't wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it's the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jesse starts this episode with a confession: money still stresses him out. The four ways that Jesse reduces this stress are remembering what's going right financially, prioritizing spending, working hard, and remembering that others have walked this path.    Then, with another call back to his blog, Jesse invokes Marshall McLuhan's quote “the medium is the message” when sharing from his post, “The Friction is the Message”.    Today's guest is Carl Richards, the creator of the Behavior Gap, author of The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money, and host of Behavior Gap Radio. Not only has Carl been featured on Oprah.com and Forbes.com, he's the creator of the Sketch Guy column which ran weekly for a decade in The New York Times. In this episode, Carl gives us some great insight into how we can refocus ourselves and our finances on what really matters to us.   If you're interested in not only financial planning, but time, energy, and attention planning, too, then this is the episode for you!   Key Takeaways: • 4 ways Jesse reduces his financial stress. • Friction as a bad thing, and friction as a good thing. • Why you should invite imposter syndrome in. • What is the Behavior Gap?  • How to choose your financial advisor. • How to manage your money, time, energy, and attention.   Key Timestamps: (02:10) Jesse's Monologue: Money Still Stresses Me Out   (07:24) Managing Financial Stress: Four Key Reminders   (13:42) The Friction is the Message   (22:14) Carl Richards Joins the Conversation   (28:48) Why Carl Shares   (30:41) Overcoming Fear, Anxiety, and Imposter Syndrome (39:02) The Behavior Gap in Investing   (44:48) The Value of Real Financial Planning with a Real Advisor (52:28) Conclusion and Resources   Key Topics Discussed: The Best Interest, Jesse Cramer, Rochester New York financial planning, financial stress, human capital, personal energy, mental attention, financial advisor, imposter syndrome, financial anxiety, the Behavior Gap, the Friction is the Message   Mentions: Website: https://behaviorgap.com/  LinkedIn: https://www.linkedin.com/in/thinkingcarl/  Mentions:  https://bestinterest.blog/money-still-stresses-me-out/  https://bestinterest.blog/the-friction-is-the-message/  https://bestinterest.blog/selling-and-surviving/ https://behaviorgap.com/radio/  https://www.50fires.com/    More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

In this episode, I'm joined by Carl Richards, a Certified Financial Planner (CFP®) and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. This episode originally aired in 2023 and was a top interview of the year. Although this is a replay, the content shared is just as relevant today and important to consider for your investing strategy.   Listen now and learn:   How investors fall victim to the behavior gap What it means to do real financial planning The best way to avoid “The Big Mistake”   To see the original show notes, YouTube interview, and resources visit this page: EP 100: What Real Financial Advice Means with Carl Richards.   Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.   TIMESTAMPS:  (04:30) What is the Behavior Gap? (07:45) Why Investors Get Distracted (11:05) What Investors Need When Markets Are Scary (17:30) Real Financial Planning  (24:30) Getting Ahead vs. Having Enough  (30:00) The Value of a Real Financial Advisor  

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. He is the author of The Behavior Gap and host of the new podcast 50 Fires (I'm a guest!). We cover a range of complex financial topics in this episode from "enoughness" to finding meaning in your career and making investments that are "worth it."Listen to Carl's previous appearance on So Money. Hosted on Acast. See acast.com/privacy for more information.

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.

In this episode, I'm joined by Carl Richards, a Certified Financial Planner (CFP®) and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. Listen now and learn: How investors fall victim to the behavior gap What it means to do real financial planning The best way to avoid “The Big Mistake” Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

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

From the NGPF Archives, a conversation with Craig Richards who talks about his experience as the Sketch Guy at the NY Times, how Carl first got into the "securities" business, and how his experience serving clients as a certified financial planner gave him plenty of material for his books and sketches. 

Tune in to hear:- What are some problems that money solves well and what are some problems it does a poor job of solving?- Has Carl recently pivoted a bit in his career to focus more on the philosophical or, more broadly, “life stuff?” If so, why? - Has Carl found any common thread between people who feel a sense of security, both financially and in a broader sense?- What are some things that the financial services industry isn't speaking about that are topical and need to be addressed?- How can those in the financial advising community take better care of themselves on route to taking better care of their clients?- How has Carl benefited personally from asking good questions and listening?Compliance Code: 2093-OAS-11/2/2022https://twitter.com/behaviorgap

This week Sam is joined by two guests, Paul Bradley, Founder of Chiltern Hills Financial Planning, is back on the show and he's brought along Carl Richards. Carl is a Certified Financial Planner and creator of the Sketch Guy column, appearing weekly in The New York Times for 10 years. In addition to writing, sketching, and podcasting, he is a frequent keynote speaker at financial planning conferences and visual learning events around the world. Today Carl shares his fascinating thoughts on the true purpose of a financial planner, how we can help our clients to set goals by asking the right questions and how remaining curious can form deep and powerful connections. We also dive deep into positive psychology, avoiding pain, seeking pleasure and how to use imposter syndrome to your advantage. We cover: The true purpose of a financial planner Are we too money focused? Teaching people how to set goals instead of asking them How imposter syndrome can be your friend Being curious and forming deep connections Positive psychology  Be sure to follow financial planner life on YouTube for extra content about a career within financial Planning HIT THAT SUBSCRIBE BUTTON!      Below are some excellent links from our sponsor Recruit UK for any aspiring or experienced financial planners looking for new job opportunities or looking to get ahead in their career.              Financial Planner Life Academies - Where we bring together the leading financial planning academies and entry-level opportunities to kick start your financial planning career.  Learn more here.        Experienced and searching for a new role within the financial planning profession? Click here for a free career consultation. Check out the 2022 Financial planning Salary Guide here.    If you would like to discuss partnering with The Financial Planner Life for jobs, advertising, marketing or academies please reach out to sam@financialplannerlife.com or call 07854778712.     

“As it turns out, personal finance is like touching an electric fence that you didn't know what electric. Managing our money is not a math problem; it's a behavioral problem.” Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column that appeared weekly in The New York Times (2010-2021). There, he used simple illustrations to introduce calming financial advice and counsel. He is also the author of The One-Page Financial Plan and The Behavior Gap resources — a book, website, and podcast that provide simple ideas to help us “Stop Doing Dumb Things with Money.” Carl's goal is to demystify financial planning by focusing as much — or more — on the humans it serves as it does on the numbers.  Topics discussed in this episode include: The crash of the housing market in 2008. The psychological underpinnings that influence money management. Using a tree as an analogy for financial counseling. Carl's sketches as “shortcuts” and “souvenirs.” Simplifying the complex world of money management. “Conversation grenades.” Why Jeff focuses on curiosity. Takeaways: If you want to understand money management, start by understanding fear and greed. When we talk about return on investment, emotional balance sheets are just as important as financial ones. The line between financial planning and therapy is super thin. Making the complex simple in terms of money management starts and stays with an unrelenting focus on one's goals. Simple line illustrations can be used to engender problem-solving conversations outside the worlds of finance and money management.  Links https://www.linkedin.com/in/thinkingcarl https://twitter.com/behaviorgap The One Page Financial Plan “The Behavior Gap” resources Behavior Gap Radio (free site) The Behavior Gap website The Behavior Gap book  

Brian chats with Carl Richards, CFP and creator of the Sketch Guy column in the New York Times. Carl shares how he became an accidental artist by using a Sharpie to help a client understand a complex idea with a simple sketch. He also tells how he landed his famous column by saying yes to an opportunity and figuring out the rest later. On the episode, you'll hear Carl's driving concept of groundlessness and why he believes profit equals permission for entrepreneurs. He also shares the importance of more people doing “their thing” in the world -- and how he's following suit by doing more of what he loves. Episode Highlights Mission-driven businesses forcibly insert opinions. For Carl, a mission-driven business goes beyond making widgets for the sake of making widgets. Mission-driven businesses are tools to forcibly insert opinions into the world -- a metaphor he heard from someone else years ago and latched onto. “What I'm interested in is how I can use the business as a tool to forcibly insert an opinion into the world, and I think that another word for that opinion could be mission,” he said. Profit equals permission. Beyond thinking of businesses as opinions, Carl also likes to think of them as art projects, in which businesses can be used to influence what exists in the world. In his case, Carl is always looking for his next art project, and he's recently realized that his prime goal in business is to get permission to do the next project. And that permission shows up on an income statement as profit. “All I want is enough profit to do the next art project,” Carl said. “That's the goal. The goal of the current project is to earn permission to do the next.” Aim for groundlessness. Carl's business operates using a set of principles called the code, one of which is called groundlessness. He named the concept after hearing Buddhist teacher Pema Chödrön describe trying to tie up all the loose ends but still the ground is shifting. “I'm only interested in questions I don't know the answers to,” Carl said. “I'm only interested in the path that there is no path. Because if not, it's not me.” For Carl, the concept of groundlessness has come to mean that if he does have ground beneath his feet, it's not the kind of work he should be doing. Instead, he's interested in what he calls the most intimate form of risk. “You're literally saying to someone, ‘Here's a piece of me. Judge it through your dollars,'” Carl said. “That's a very intimate form of risk, and to me, it's the only form of risk I'm interested in because it means we're doing the thing we were put here to do.” Get clear about what you love to do. Carl's unique and zest-filled approach to business means he has no plan to retire -- at least in the conventional sense. He plans to keep working, while being more diligent in the projects he takes on and delegating or deleting everything that he doesn't love. His approach to “retirement” came a few years ago when his teenage son asked what things he would stop doing when he retired. When Carl listed a few things, his son then asked if he would be more or less successful if he stopped doing those things today. The answer was yes. “He goes, ‘I don't mean to be silly here, but why are you still doing those things today?'” Carl recounted. “So I've been on this kick of asking how I can get more and more clear about what I want to do.” Resources + Links Carl's weekly New York Times column Carl's Books: The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Things with Money Living Beautifully with Uncertainty and Change by Pema Chödrön Carl's Social Media: Twitter, Instagram, Facebook, LinkedIn Brian's Social Media: Twitter, Instagram, Facebook About Brian and the Mission Driven Business Podcast Brian Thompson, JD/CFP, is a tax attorney and certified financial planner who specializes in providing comprehensive financial planning to LGBTQ+ entrepreneurs who run mission-driven businesses. The Mission Driven Business podcast was born out of his passion for helping social entrepreneurs create businesses with purpose and profit. On the podcast, Brian talks with diverse entrepreneurs and the people who support them. Listeners hear stories of experiences, strength, and hope and get practical advice to help them build businesses that might just change the world, too.

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

Why do we tend to avoid the question of "why" when it comes to our personal and financial lives? In over 20 years of being an advisor, I have learned that financial planning is more about feelings than numbers.  And no expert epitomizes this point more than Carl Richards. For ten years, Carl was the creator of the Sketch Guy column, appearing weekly in The New York Times.  Carl, a Certified Financial Planner™ as well, works with advisors such as myself to help break down complex financial concepts into easy-to-understand ideas that we can take action on. Carl emphasizes throughout our conversation that if security exists at all, it is a feeling, not a number.  The good news from Carl's standpoint is this means we can have some control over it; the bad news, this means it's up to us to learn how. But how do we learn about money and these feelings around it when no one has taught us?  First, Carl points out, "we largely talk around money instead of about it.  When we go to talk about money, it's suddenly very emotional.  We expect it to be rational, but it quickly ends up in the realm of feelings, and we say, "I'm never going to do that again." As Carl suggests, we need to ask questions, clarify the conversation, and don't calculate but listen instead. Please enjoy my conversation with Carl Richards. View the show notes here:  https://tammacapital.com/ep-68-carl-richards-money-feelings-why-and-enough For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

Some business owners have yet to learn concepts about accounting and tax that would be useful to them in their businesses.  But business owners are - well - busy - and may have little time or interest in wrapping their head information large and small.   Yet, when your business-owning clients understand important money and tax concepts more readily, it makes your job easier.  How then, to simplify information to make it more readily understood? Here today to talk with me about this challenge is my guest, Carl Richards. Carl is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. Through his simple sketches, Carl makes complex financial concepts easy to understand.Carl also shares about the experience of compiling his sketches into a book, offering it to his fans, and he has learned from the experiment.   Highlights: — “Nobody cares about your solutions. They care about their problems.”  — “Stop selling, stop overcoming objections, and start listening.” — “If we can get really clear about what the goal is and why we're doing the work, then the prescription can be super easy, super simple.”  — “There's this pile of intellectual property now. And so it all starts with believing it's actually really valuable. We just need to create it as intellectual property in a way that we can see it.” — “To those who are feeling a degree of uncertainty and also thinking there are better ways to share the knowledge and expertise to serve my clients, just try little experiments and interact with people.”  ***Want to learn more about CPA Rebootcamp?***  It's a 6-week intensive starting May 9th, designed to make Big Progress fast, earn $25K new dollars that you wouldn't have otherwise, build a new website with priced services, and so much more. It is designed to guarantee your success. Either you make your money back, or I give it back, AND you can keep the website. Check it out at SheThinksBigCoaching.com/cpa-rebootcamp . Application deadline is March 26th. ***Want one piece of business strategy delivered daily to your inbox?*** Subscribe here: https://www.shethinksbigcoaching.com/subscribe-main-list Connect with Carl: Website: https://behaviorgap.com/   Carl's book: The One-Page Financial Plan: A Simple Way to Be Smart About Your Money https://www.amazon.com/One-Page-Financial-Plan-Simple-Smart/dp/1591847559

In Episode #19 of Mindset Mastery, “Why Standing Out is No Longer Enough – And What To Do Instead”, Mindset Mastery host Marie Swift speaks with Carl Richards, a.k.a. “The Sketch Guy” for the New York Times. They talk about how to be hyper-relevant to the smallest group of people possible so that you can make the biggest difference in your clients' lives. In a nutshell: Real financial planners can become the “the signal” by being visible while continually articulating their true value. Too many really great financial planners underestimate or can't clearly articulate their value. In this interview, Carl provides a metaphor that can help you anchor in on the value you really provide as you provide mission-critical advice to your clients over time. Carl also provides tips on how to stay resilient and grounded during tough times. To learn more about Carl Richards and The Society of Financial Advice, visit www.TheSocietyOfAdvice.com. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country's leading professional association of Fee-Only financial advisors. Learn more about NAPFA at www.NAPFA.org

Starting in personal finance, Carl Richards started sketching with a sharpie in order to simplify and communicate complex concepts. After the right person noticed what he was doing, Carl started writing a column for none other than The New York Times. Carl discusses his story as well as the unique business that he's built around his talent.

In Silicon Valley, many origin myths for start-ups begin with a business plan written on a napkin. Carl Richards took that concept to a new level by creating sketches on napkins to explain financial concepts. Here's one of my favorites: The focus of many of his sketches was how psychology drives many of our money decisions. In addition to his decade as the Sketch Guy at the NY Times, Carl is the author of two books, The One-Page Financial Plan and The Behavior Gap. In this podcast, you will learn how Carl first got into the "securities" business and how his experience serving clients as a certified financial planner gave him plenty of material for his books and sketches. Enjoy! 

Whether you're making a lifestyle change, decluttering, or giving client presentations, simplicity changes lives.It's complexity that often leaves people unsatisfied.Carl Richards is a Certified Financial Planner™, creator of the “Sketch Guy” column, appearing weekly in The New York Times since 2010, and author of  “The Behavior Gap.”Carl is widely known for simplifying the complex subject of finance by creating easy-to-understand sketches.In this episode, we chat about how to navigate emotional situations productively, eliminating distractions that leave audiences empty, and how elegant simplicity can change not only your life but the life of your clients.We explore: What the best training in the financial industry doesn't prepare you for.  The answer may surprise you. How to simplify your message with custom illustrations.  Good news, you don't need to have an art degree to do it. The one presentation format that you should STOP right now.  We've all fallen victim to it. The 2-word phrase that breaks client trust and the 2-word phrase that solidifies it. Why having a “diagnosis before you prescribe” mentality will take your client relationship to the next level. How to reignite, and ultimately keep, the spark of innovation alive. The exercise you can do right now, that will determine if you're differentiating yourself from your competition…not just in your community, but nationally. And the one strategy Carl wants you to steal that increases happiness personally and professionally. Links to check out: Behaviorgap.com thesocietyofadvice.com Articles in the NY Times Kitces & Carl Ep. 35: Favorite Questions To Ask A Prospective Client To Build Trust Behavior Gap Radio This episode was brought to you by:Snappy Kraken: helping financial advisers create meaningful connections that drive business.

Description:Join Sophie Antal Gilbert, head of portfolio and business consulting at Russell Investments, and Carl Richards, a certified financial planner, best known for his decade-long New York Times Sketch Guy column, as they talk about what it means to be a “real” financial advisor.  In this episode they discuss:·      Being more present with clients by being curious ·      Thought-provoking icebreaker questions ·      The One-Page Financial Plan·      How to be the advisor clients call first before making financial decisions·      Giving clients a bigger yes when saying no·      Ideas for generational conversations·      The value of your adviceDisclosures:Interviews were recorded as of the date mentioned in the podcast, these views are subject to change at any time without notice based upon market or other conditions and are current as of that date. It is made available on an "as is" basis. Russell Investments does not make any warranty or representation regarding the information. While all material is deemed to be reliable, accuracy and completeness cannot be guaranteed.This is not an offer, solicitation or recommendation to purchase any security or the services of any organization.Investing in capital markets involves risk, principal loss is possible. There is no guarantee the stated outcomes in the presentation will be met. The audio may contain forecasting or other forward-looking information, this information is inherently uncertain and may be incorrect.This is a presentation of Russell Investments. Nothing in this presentation is intended to constitute legal, tax, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. The contents of this presentation are intended for general information purposes only and should not be acted upon without obtaining specific legal, tax, and investment advice from a licensed professional concerning your own situation and any specific investment questions you may have.The information, analysis and opinions expressed herein are for general information only and are not intended to provide specific advice or recommendations for any individual entity.Russell Investments is the operating name of a group of companies under common management, including Russell Investments Canada Limited.Russell Investments' ownership is composed of a majority stake held by funds managed by TA Associates, with a significant minority stake held by funds managed by Reverence Capital Partners. Russell Investments' employees and Hamilton Lane Advisors, LLC also hold minority, non-controlling, ownership stakes.Frank Russell Company is the owner of the Russell trademarks contained in this material and all trademark rights related to the Russell trademarks, which the members of the Russell Investments group of companies are permitted to use under license from Frank Russell Company. The members of the Russell Investments group of companies are not affiliated in any manner with Frank Russell Company or any entity operating under the “FTSE RUSSELL” brand. Russell Investments Financial Services, LLC, member FINRA, part of Russell Investments. Copyright© 2021 Russell Investments Group, LLC. All rights reserved. This material is proprietary and may not be reproduced, transferred, or distributed in any form without prior written permission from Russell Investments. It is delivered on an “as is” basis without warranty. Date of first use: October 2021. CORP-11920

This month's Curve focuses on communication. Phil is joined by Carl Richards, a CFP®, author of The Behavior Gap, and creator of The Sketch Guy column. If you've ever seen one of Carl's sketches, you can understand why he's an expert on this topic. How can you simplify your message when speaking to clients – and get to the point of elegant simplicity? How can you communicate your value? How does communication relate to trust? Tune in today to find out. Resources: Carl's LinkedIn – https://www.linkedin.com/in/thinkingcarl/ Carl's website – https://behaviorgap.com/ Carl's books: The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money The One-Page Financial Plan: A Simple Way to Be Smart About Your Money Please send Comments, Questions, and Feedback to: mojo@cannonfinancial.com Please send First Friday Feedback submissions to: mojo@cannonfinancial.com

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 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.

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.

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.

With both product salespeople and RIAs labeled as “Financial Advisors” it's difficult for a general audience to really understand the difference. Fiduciaries educate prospect-by-prospect—it's vital when selling our services—but does the RIA vs product pitch debate have any public advocates? On this Elementality podcast meet Carl Richards. Known for his “Sketch Guy'' New York Times column, Carl explains his passion for both fiduciary advice and client planning that helps align money with purpose.

Our guest on the podcast this week is Carl Richards. Carl is a Certified Financial Planner and a Financial Advisor Communication Expert. His new venture is called The Society of Advice, which he describes as a global gathering of real financial advisors. Carl created the Sketch Guy column in The New York Times. And he is also author of 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 addition, he hosts the Behavior Gap Radio podcast and also cohosts a podcast with financial planning guru Michael Kitces, called Kitces & Carl. BackgroundBioThe Society of Advice videos “Carl Richards: ‘Let's Focus on Being a Little Less Wrong Tomorrow',” The Long View podcast, Morningstar.com, May 13, 2020.Behavior GapThe Behavior Gap: Simple Ways to Stop Doing Dumb Things With Money by Carl RichardsThe One-Page Financial Plan: A Simple Way to Be Smart About Your Money by Carl RichardsHow I Invest My Money: Finance Experts Reveal How They Save, Spend, and Invest, edited by Joshua Brown and Brian Portnoy and illustrated by Carl Richards.Sketch GuyKitces & Carl PodcastReal Financial Planning“Learning to Deal With the Imposter Syndrome,” by Carl Richards, behaviorgap.com, Oct. 26, 2015.“Jason Zweig: Temperament Is Everything for Most Investors,” The Long View Podcast, Morningstar.com, June 29, 2021.“Should You Buy Bitcoin? Ask a Different Question First,” by Carl Richards, nytimes.com, Jan. 5, 2018.“The Single Most Valuable Asset Is Trust,” by Carl Richards, behaviorgap.com.“The Value of an Advisor,” by Carl Richards, behaviorgap.com.Financial Planning ProcessStart With Why: How Great Leaders Inspire Everyone to Take Action, by Simon Sinek.Bill BachrachGeorge KinderDan Sullivan, Strategic CoachRescueTime“Carl Richards on How to Simplify Your Appointment Process and Build Trust by Asking Better Questions,” Podcast with Brad Johnson, Aug. 19, 2019.The Private Client Lawyer Now and in the Future, by Russ Alan Prince.Money Decisions“How Do You Define Enough?” by Carl Richards, behaviorgap.com.“How Much Is Enough?” by Carl Richards, behaviorgap.com.“Time Off Is a Prerequisite for Good Work (Not a Reward for It): An Interview With New York Times Columnist Carl Richards,” by Jory MacKay, blog.rescuetime.com, June 7, 2018.“Sure… #CrushIt. Then Get Some Rest,” by Carl Richards, behaviorgap.com.

Carl Richards is a Certified Financial Planner and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. Carl is a frequent keynote speaker at financial planning conferences around the world. Through his simple sketches, Carl makes complex financial […] The post Carl Richards on “Real” Financial Planning appeared first on Becoming Referable.

  In this episode, the NYT's  “Sketch Guy “ shares his best advice for those providing advice, why our industry needs to stop selling certainty, how to reposition financial advice to your current and future clients and where creative thinking fits into an advisor's workflow! Plus, which of his famous sketches was the most popular and how does it tie into his BIG REVEAL!    

Steven's guest this Monday is advisor Carl Richards, also known as the Sketch Guy. He regularly advocates keeping financial advice simple enough to fit on a single page. Today, Steven and Carl discuss guiding clients through stormy times. Are you interested in content that provides you with action steps that you can take to provide massive tax value to your clients? Then don't wait to sign up for our powerful online training sessions. Click on the link below to get started on your journey: https://www.go.retirementtaxservices.com/rts-registration-0728-a   

If you need a sketch written, Stevie the Sketch Guy can get it done. Steven Kavner and Paul Douglas

Financial planners are like pilots, Carl Richards says. We can create flight plans for our clients, showing them a map of the next few decades. But life and the markets both change in ways we don’t expect. Financial planners need to learn to communicate that uncertainty, and to establish themselves as guides who can adjust plans as clients’ lives and goals change. “You can have the best investment plan in the world, but if you don’t know why you have it, you’re not going to get where you want to go," he says. As the financial planning industry evolves, Carl hopes advisors will continue listening deeply to clients’ goals, finding productive ways to talk through their emotional responses, and creating plans that align with those goals. 

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

In today's episode Greg and Colin interview Carl Richards. Carl is best known for his “Sketch Guy” weekly column in the New York Times. Carl is known for making complicated things simple to follow through easy paper napkin sketches. Carl authored 'The Behavior Gap,' 'The One-Page Financial Plan,' and ‘How I Invest My Money.' A subject matter expert in financial planning and investing, Carl joins us from London to discuss the evolution in the investment world and his work in creating 'The Society of Advice.' 

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:  

This week, Real Money, Real Experts welcomes Carl Richards, Certified Financial Planner and creator of the Sketch Guy column in the New York Times.Co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson talk to Carl about adopting a 'problem understanding' mindset when working with clients and becoming a guide rather than a map defender. Carl also gives a preview of his presentation at this year's AFCPE Symposium.*Show Notes*00:45 Intro Carl01:28 The Drawing Board05:29: Building Client Rapport07:16 How to Listen14:59 The Art vs. The Science18:58 Value in Financial Planning21:28 Judgement & Competition28:14 Sneak Peek of Symposium30:10 Your Two Cents

Many advisors believe that if they aren’t using big words and acronyms with clients, then they aren’t proving their credibility.  Today, Matt speaks with Carl Richards CFP®, Creator of the Behavior Gap and the Sketch Guy column, which has appeared weekly in The New York Times since 2010. Carl joins the show to encourage advisors to explain financial concepts to clients in the most simple way imaginable. He explains why using hand drawn sketches are an effective teaching tool that demonstrates your expertise. In this episode, you will learn:   Who in the financial industry uses Behavior Gap The four most common uses of Behavior Gap for advisor marketing Why sketches make financial concepts easy for people to understand Why sketches actually demonstrate an advisor’s expertise Reasons for advisors to stop using jargon and embrace simplicity instead And more! Tune in to learn about the power of using sketches to make complex financial concepts easy to understand. Resources:  Top Advisor Marketing | Behavior Gap  | Carl Richards on LinkedIn  Brought to you by: iris.xyz 

In this episode we will be talking to Carl Richards Carl is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010.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 We chat to Carl about his early years, his column in the New York times, mental toughness and making complex financial ideas simple.Find out more about Carl here:https://behaviorgap.com/https://twitter.com/behaviorgap

Find out how financial advisers can exceed client expectations by communicating peace of mind and providing greater investor returns, rather than just investment returns, from Carl Richards -  author of the Behaviour Gap and creator of the Sketch Guy, a weekly column in The New York Times. Also discover why Carl suggests never asking clients about their goals.

This episode's guest is Carl Richards. Carl is a Financial Planner, an author, a speaker and an artist. He is best known as the creator of the popular Sketch Guy column that has appeared weekly in the New York Times since 2010. He is the author of two books, is a much in demand public speaker and his distinctive napkin sketches have been exhibited in New York, Park City Utah, San Fransisco and London. Recorded at Hampstead Heath, London. Support the show (https://www.patreon.com/stevexoh)

With a great deal of uncertainty during the coronavirus pandemic, many people have unanswered questions concerning their finances, their retirement and life in general. So we ran a series of virtual Retirement Café coffee mornings and invited special guests to share their expertise to help people feel more informed at this challenging time. On 1st May I welcomed New York Times' columnist and author Carl Richards. Through his simple sketches, Carl makes complex financial concepts easy to understand. Carl shared his story, how  ‘The Sketch Guy' column arose and why his simple sketches are so powerful. Carl has learned that our coded behaviour often works against us in our financial lives and aims to help raise the profile of Real Financial Planners who act as guides to ensure their clients align their capital to what's most important to them. He believes – like me – that planners should be there when the storm comes in to help investors navigate turbulent times and change routes if necessary, not defend an outdated map. Listen here on episode 081 of The Retirement Café Podcast or watch the whole video on You Tube.

If our mothers ever taught us anything about investing, it would probably go along the lines of “buy low and sell high,” but what we see with typical investor behavior is the opposite. This behavior gap may be well-intentioned, but it is bound to produce suboptimal results. Joining Joshua Rhodes in today’s episode is a certified financial planner and the creator of the Sketch Guy column, Carl Richards. Being a guy whose job is to explain complicated concepts in a simple manner, Carl thinks that most people overcomplicate the investing business when it is really very simple. Carl explains how the recency bias is so hard-wired to our brains and how it causes us to engage in investing behaviors that do not give us the best results. Carl and Joshua take this conversation and relate it to the importance of building a financial plan to succeed in investing.

Our guest on the podcast is Carl Richards, who specializes in conveying sophisticated financial concepts in an easy-to-understand way--specifically, using a Sharpie. Carl is a Certified Financial Planner™ and creator of the Sketch Guy column in The New York Times. He’s also author of 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 addition, he hosts the “Behavior Gap Radio” podcast and also co-hosts a podcast with financial-planning guru Michael Kitces called “Kitces and Carl.”BackgroundCarl Richards bioCarl Richards' booksCarl Richards articlesCarl Richards “Sketch Guy” column in The New York Times Behavior Gap Radio podcastKitces and Carl podcast“12 Simple Sketches That Perfectly Illustrate the Path to Wealth and Financial Happiness,” by Libby Kane and Libertina Brandt, Business Insider, July 22, 2019.The Behavior Gap“The Behavior Gap,” by Carl Richards. Medium.com. Oct. 18, 2018.“To Avoid the Biggest Investing Mistake, Stay Strong,” by Carl Richards, The New York Times, March 26, 2013.“Yes, Numbers Matter in Financial Decisions, but So Do Emotions,” by Carl Richards, The New York Times, May 8, 2017.Articulating and Achieving Goals“Goals As Guesses,” by Carl Richards, YouTube, Jan. 16, 2018. “The Magic of a Single Micro-Action,” by Carl Richards, The New York Times, Nov. 6, 2017. “A Simple Formula for Making Dreams Come True,” by Carl Richards, Medium.com, June 28, 2018.“Hal Gregersen Interview: Asking the Right Questions,” YouTube.com, April 8, 2018. Questions Are the Answer: A Breakthrough Approach to Your Most Vexing Problems at Work and in Life, by Hal Gregersen, Harper Business, 2018. The Dan Sullivan Question, by Dan Sullivan, The Strategic Coach, 2009. “Your Future Should Be Bigger Than Your Past. Here’s How to Do It,” by Carl Richards, The New York Times, Sept. 14, 2018. “The First (and Last) Step to Financial Satisfaction? Defining ‘Enough’,” by Carl Richards, The New York Times, May 1, 2017.“Setting Aside Shame and Blame in Financial Decisions,” by Carl Richards, The New York Times, Sept. 8, 2015.“How to Talk About Money,” by Carl Richards, The New York Times, Dec. 18, 2018.“Look Inward to Determine Your Financial Values,” by Carl Richards, The New York Times, April 20, 2015. “Where Does the Time Go? You Can Find Out, If You Dare,” by Carl Richards, The New York Times, July 5, 2017.“Seeking More Fun? Examine the Returns on Your Time Investments,” by Carl Richards, The New York Times, July 10, 2017. When Things Fall Apart: Heart Advice for Difficult Times, by Pema Chodron, Shambhala, 2016.“We Are All Normal,” Meir Statman, Morningstar The Long View podcast, Oct. 30, 2019. Finance for Normal People, by Meir Statman, Oxford University Press, 2019.Thinking Fast and Slow, by Daniel Kahneman, FSG Adult, 2013. “The Benefits of Getting an Icy Start to the Day,” by Carl Richards, The New York Times, March 14, 2016.

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.

Carl Richards, "Sketch Guy" columnist for the NYTimes, breaks down financial advice to simple sketches and is able to address motivation and how we work against ourselves. Clark is unapologetically dull and believes creating financial security should be dull as well, achieved slow and steady like a turtle. Many are always looking for the big score, the hot tip. So Clark's favorite Sketch Guy message: "The path to long term change is slow, simple and boring". Your investing should be boring so that you can have an exciting life. If your goal is to become a millionaire, if you start in your early 20s, it can be done by retirement. That goal is a heavier lift the longer you wait to start. But you start when you start investing what you can. The earlier you start and the more money you add over time, the more financial security you create for your life. Start early in a Roth or your retirement plan at work. Many bought smart TVs on sale over the holidays. Many of these TVs are vulnerable to hackers getting into your home system. Dig out the owners manual and implement a secure password - replacing the default password. You may have brought a potential trojan horse into your home. Secondly, cover up the camera. You do NOT want a hacker able to spy on you.  What to do after a car accident to ensure your safety and best consider insurance options. Check out Clark's online guide here. Learn more about your ad choices. Visit megaphone.fm/adchoices

Nel settimo video-episodio del WikiLixi Podcast, Luca e Gian Mario parlano di eccesso di informazione, orizzonti temporali scorretti, overconfidence, bias della "hot hand" e altri errori comuni di risparmiatori e investitori, spiegati attraverso l'uso dei disegni sul modello di "The Behavior Gap" di Carl Richards.Se un'immagine vale più di mille parole, un'immagine semplice disegnata con un pennarello su un fazzoletto di carta, uno "sharpie", vale ancora di più.Prendendo spunto da "The Behavior Gap" di Carl Richards, famoso financial planner americano e autore della rubrica "Sketch Guy" sul New York Times da oltre 10 anni, in questa puntata Luca e Gian Mario analizzano 3 grandi problemi dell'investitore medio.Il primo, legato al problema della selezione delle informazioni utili in mezzo al marasma delle agenzie di stampa.Abbiamo infatti dato la risposta alla domanda "Ma come fate a selezionare ciò che conta per essere informati finanziariamente?", che è diventata un'esigenza sempre più diffusa con l'aumentare delle fonti a disposizione.Il secondo, legato alla erronea percezione degli orizzonti temporali e la confusione tra breve, medio e lungo termine, tipica del risparmiatore comune. Abbiamo visto come dare la giusta "proporzione" agli eventi di breve termine, e quali sono i trucchi per restare focalizzati sui veri obiettivi di lungo termine.Infine, abbiamo analizzato uno dei più grandi "peccati" dell'investitore medio: l'overconfidence, o eccesso di sicurezza e presunzione. Qual è il confine tra essere sicuri di sé, e pensare di poter influenzare il destino, la statistica e la probabilità con la propria "mano calda"?Tutte le risposte in questo nuovo video-episodio di finanza comportamentale del WikiLixi Podcast.Abbiamo visto:-Spiegare concetti finanziari con le immagini: The Behavior Gap di Carl Richards (min 2.20)-La differenza tra news, informazione e ciò che conta davvero (min 5.10)-Voi come fate a filtrare il rumore di fondo? (min 9.40)-Come imparare ad avere il giusto orizzonte temporale quando investi (min 12.00)-Autohacking: il "trucco" dell'investitore consapevole (min 17.15)-Il problema dell’overconfidence e la “mano calda” (min 21.10)- Overconfidence e sicurezza di sé: quali differenze? (min 23.20)Link al video completo:  https://youtu.be/o6-KOhzWVRw Dubbi, domande e feedback a staff@lixiinvest.comVisita www.lixiinvest.com

In today’s conversation, I grab some time with Carl Richards. For those of you unfamiliar with Carl, he is a CFP and creator of the Sketch Guy column, which has appeared weekly in the New York Times since 2010. Carl and his work have also been featured on Oprah.com, and Forbes.com and he frequently keynotes at financial planning conferences around the world. Through his simple sketches, Carl makes complex financial concepts easy to understand and these sketches have served 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. Today I’m excited to bring this conversation to you as I’m not sure we’ve ever done a deeper dive into the structure of a proper appointment process on this show and the psychology of why your prospects make the decision to either work with you or someone else.   FREE OFFER Get A FREE Copy of Carl Richard's Book, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money Visit BradleyJohnson.com/61 to see how you can claim your offer!    SHOW NOTES To get access to today's show notes, including free offer, transcript, and links to all the resources mentioned, visit BradleyJohnson.com/61

My guest today is Carl Richards. He is a Certified Financial PlannerTM, the creator of The Behavior Gap, and has been the Sketch Guy columnist for the New York Times since 2010. Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches 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).  In this conversation, we discuss how to establish trust in an industry with a lot of bad actors, and how to make certain you're on track to be, what Carl calls, “A real financial advisor”...  You'll walk away with practical steps to rediscover the humanity in our industry — and learn how to be an advocate for your clients' needs. Looking for more ideas about authentic communication? Join the Model FA advisor community, where you will find expert advice on how to launch, grow, scale, and transform your firm. Resource Links

Most people don't hire a financial planner in retirement because they can't work out what to do themselves, given the time and inclination. You hire a financial planner because they're not you. We all have our blind spots. And it's a real challenge for anyone to be able to manage money successfully themselves without becoming emotionally attached to it. You struggle to move forward because you put a million obstacles in the way. A real financial planner listens and understands you, asks really good questions and is totally transparent. They're an independent third party who's able to say, “Let's look at this from a different angle” and help you make better decisions about money. Carl Richards cuts through all the noise and the confusion around money. Through his simple sketches, Carl makes complex financial concepts easy to understand. Otherwise known as The Sketch Guy, his column has appeared weekly in the New York Times since 2010. Carl is also a Certified Financial Planner, an author and a frequent keynote speaker at financial planning conferences around the world. Carl appeared in episode 013 and episode 014 of The Retirement Café Podcast talking about how to have healthy conversations about money. Here's episode 027 of The Retirement Café Podcast.    

In this episode you can listen to the second half of my interview with Carl Richards for his new Talking About Money workshop. The goal of Carl's Talking About Money workshop is to give people the tools and confidence necessary to have conversations about money that don't end up in arguments. Too often, our money discussions cause stress and distress as we don't appreciate that money is emotional and evokes all kinds of feelings. In the five workshop modules, Carl explores the ground rules for successful money conversations, how to start the conversation, the importance of listening, a process to follow and how to get started. He interviewed four experts in this field, including me! Carl wanted to include my perspective because he understood that my somewhat different approach to retirement planning is grounded in listening, understanding and asking the right questions. He has kindly allowed me to share this part of his Talking About Money workshop on my Retirement Café Podcast. For those of you who don't know Carl Richards, you may be familiar with his most famous work. Through his simple sketches, Carl makes complex financial concepts easy to understand. Otherwise known as The Sketch Guy, his column has appeared weekly in the New York Times since 2010. Carl is also a Certified Financial Planner, an author and a frequent keynote speaker at financial planning conferences around the world. This episode, episode 14, is the second of a two-part series giving you a sneak preview of what to expect from the workshop.

A few weeks ago, I was honoured to be interviewed by Carl Richards for his new Talking About Money workshop that launches right around now. For those of you who don't know Carl Richards, you may be familiar with his most famous work. Through his simple sketches, Carl makes complex financial concepts easy to understand. Otherwise known as The Sketch Guy, his column has appeared weekly in the New York Times since 2010. Carl is also a Certified Financial Planner, an author and a frequent keynote speaker at financial planning conferences around the world. The goal of Carl's Talking About Money workshop is to give people the tools and confidence necessary to have conversations about money that don't end up in arguments. When you sign up for Carl's workshop, one of the pieces of content you receive is the interview you are about to hear. Carl has kindly allowed me to share this part of his Talking About Money workshop on my Retirement Café Podcast. In our interview, we talk about how to have healthy conversations about money. We don't get taught how to talk about money at school, and it's not something we tend to teach our children at home. So we grow up assuming a conversation around money is something that fits into a spreadsheet or a calculator. As a result, these money conversations can cause people quite a lot of stress and often end in arguments. Because money is emotional and evokes all kinds of feelings. Carl wanted to include my perspective on how to have positive conversations about money in his workshop because he understood that my somewhat different approach to retirement planning is grounded in listening, understanding and asking the right questions. In our interview, I explain to Carl why and how I have learned to facilitate great conversations around money and share some of the tools and techniques for doing so. I stress the importance of active, intelligent listening in all conversations – especially those about money – so we can all have more positive outcomes around our money. This episode, episode 13, is the first of a two-part series. Part 2 will be released as a bonus episode on Friday, so you don't have to wait a whole week to hear how the interview concludes.

Romping around the Wasatch mountains as a kid taught Carl Richards that the outdoors had a certain value, albeit hard to define. Carl majored in finance and and began a career as a financial planner. He worked for some major firms before starting his own business-- managing clients’ money, public speaking, illustrating, and writing the New York Times column, The Sketch Guy. Carl felt successful. And with that came a sense of security and “stuff”-- money in the bank, a big house, international trips, the latest outdoor gear. But after nearly losing everything he had worked for, Carl redefined the value he places on stuff and experiences. Learn more about your ad choices. Visit megaphone.fm/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

Hello, I’m Robin Powell, and you’re listening to the third episode in a new series of podcasts called Intelligent Adviser, brought to you by Regis Media. In the first two episodes, I’ve been talking to Carl Richards, a Certified Financial Planner from Utah, now based in New Zealand. Carl is the creator of the weekly Sketch Guy column in the New York Times, and a columnist for Morningstar Advisor. He’s also the author of 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. As well as his writing, Carl’s focus now is mainly on training advisers about communication — both with prospects and existing clients.

On today’s episode, we talk with author, artist, columnist, and certified financial planner Carl Richards. His New York Times column Sketch Guy has become famous in the financial advising community, as his sketches have the unique ability to distill complex concepts into simple diagrams clients can understand. We discuss the advantages that human advisors have over automated investment services, why simplicity can be powerful, and tips for communicating financial concepts to your clients. “I would not give a fig for the simplicity this side of complexity, but I would give my life for the simplicity on the other side of complexity.” - Oliver Wendell Holmes Jr. For full show notes and links mentioned in this episode, visit https://www.bmogam.com/us-en/advisors/news-and-insights/the-art-of-communication/.

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/

What makes a bigger difference on your financial outcome: the behavior of your investments or the behavior of you, the investor? Today I have an awesome interview for you with Carl Richards, author of "The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money" and "The One-Page Financial Plan: A Simple Way to Be Smart About Your Money." Both books are well worth your time. In addition to being a financial advisor, Carl is the awesome dude behind the Sketch Guy column in the New York Times. Enjoy the interview! Joshua Carl's website: http://www.behaviorgap.com/ The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money http://rpf.link/1PQuIC5 The One-Page Financial Plan: A Simple Way to Be Smart About Your Money http://rpf.link/1RZatbQ Looking for a Financial Advisor? Start here: www.radicalpersonalfinance.com/paladin Would you like to support Radical Personal Finance? Go here: www.radicalpersonalfinance.com/patron 

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.

Podcast Highlights: Carl's very personal story of loosing his home and facing financial ruin Learn how small financial misalignments with couples can become roots for divorce later Hear how Carl and I met over a financial transaction on the border of Colorado and Utah Learn how Carl started taking complex money ideas and translating those concepts using a sharpie marker on a napkin Carl tells the story about how the New York Times called him out of the blue to write his column Carl and I share stories about being raised by single-mothers and how that shaped our financial beliefs

Podcast Highlights: Carl's very personal story of loosing his home and facing financial ruin Learn how small financial misalignments with couples can become roots for divorce later Hear how Carl and I met over a financial transaction on the border of Colorado and Utah Learn how Carl started taking complex money ideas and translating those concepts using a sharpie marker on a napkin Carl tells the story about how the New York Times called him out of the blue to write his column Carl and I share stories about being raised by single-mothers and how that shaped our financial beliefs

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.

Carl Richards is best known as the Behavior Gap guy and for his weekly Sketch Guy column in the New York Times. He’s now out with a new book, The One-Page Financial Plan. We had a lively conversation about the book, his writing process, financial planning conversations, and how financial advisors can use books in general to build their business.

"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

This week's Life Challenge with Don Mills is about 'Ministry' in other words  'How you serve'.. We are the stewards of our families and friends and the greater society. We are challenged to lift each other up with celebrations, to recognize our mentors, and to become grounded spiritually so we can help others live fuller and more satisfying lives. Now, it is time to recognize our MINISTRY. Life Challengers, share your testimony so that others will understand the benefits. What is it that you do that you are passionate about? What do you stand for and how have you tried to make a positive difference? What are you known for? THE ONE-PAGE FINANCIAL PLAN helps demystify the planning process so readers can figure out where they stand on key financial issues and where they want to go, in order to narrow the gap between the two.Carl Richards is a certified financial planner and a columnist for the New York Times, where he has a weekly “Sketch Guy” column. He is also a columnist for Morningstar Magazine and a contributor to Yahoo Finance. Richards is a popular keynote speaker and is the Director of Investor Education for the BAM ALLIANCE. Visit http://www.onepagefinancialplan.com/. This week on "Discussing it with Melissa" you will meet Ms. Jakia Cheatham. Author of, "Bent But Not Broken," CEO of Jakia Cheatham, Church Girl's Ministries, and a host of others.  She's showing young ladies how amazing it is to live a life of purity and how awesome it is to be a church girl in today’s society.  She is determined to change the way the world views a "Church Girl" and bring awareness to people about scoliosis. Listen to her story -her bout with scoliosis - she shares her struggles, how she overcomes and her....heart. 

This week's Life Challenge with Don Mills is about 'Ministry' in other words  'How you serve'.. We are the stewards of our families and friends and the greater society. We are challenged to lift each other up with celebrations, to recognize our mentors, and to become grounded spiritually so we can help others live fuller and more satisfying lives. Now, it is time to recognize our MINISTRY. Life Challengers, share your testimony so that others will understand the benefits. What is it that you do that you are passionate about? What do you stand for and how have you tried to make a positive difference? What are you known for? THE ONE-PAGE FINANCIAL PLAN helps demystify the planning process so readers can figure out where they stand on key financial issues and where they want to go, in order to narrow the gap between the two.Carl Richards is a certified financial planner and a columnist for the New York Times, where he has a weekly “Sketch Guy” column. He is also a columnist for Morningstar Magazine and a contributor to Yahoo Finance. Richards is a popular keynote speaker and is the Director of Investor Education for the BAM ALLIANCE. Visit http://www.onepagefinancialplan.com/. This week on "Discussing it with Melissa" you will meet Ms. Jakia Cheatham. Author of, "Bent But Not Broken," CEO of Jakia Cheatham, Church Girl's Ministries, and a host of others.  She's showing young ladies how amazing it is to live a life of purity and how awesome it is to be a church girl in today’s society.  She is determined to change the way the world views a "Church Girl" and bring awareness to people about scoliosis. Listen to her story -her bout with scoliosis - she shares her struggles, how she overcomes and her....heart. 

Carl Richards is a Certified Financial Planner and columnist for the New York Times, where his weekly Sketch Guy column has run every Monday for over five years. He is also a columnist for Morningstar magazine and a contributor to Yahoo Finance. He's the author of The One Page Financial Plan. www.CheriHillShow.com www.SageIntl.

#182: Carl Richards was a ditch-digger, fell into a securities job, became a Certified Financial Planner, then became the Sketch Guy at the New York Times by drawing financial concepts on paper napkins. He released his second book, the One Page Financial Plan, and shares with us his journey from ditch-digger to NYTimes writer.   For a more complete list of notes with pictures and links, go to  

Carl Richards is a Certified Financial Planner and the creator of the weekly Sketch Guy column in the New York Times. He also recently wrote a book called The One-Page Financial Plan Making Smart Decisions with Your Money Just Got a Whole Lot Easier.

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!