In this episode, Carl makes a clear and challenging claim: Real financial planning can only happen in conversation—not in forms, intake sheets, or tools, and not even in artificial intelligence. This kind of planning lives in human dialogue, where safety, permission, and space are created to explore what actually matters. Carl explains why money questions become a doorway to deeper work, why this isn’t therapy or meditation (though it borrows tools from both), and why planning is ultimately a relational, conversational act. If meaning is the goal, conversation is the only place it can be found.

Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/