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In this episode, Carl continues exploring the idea that there may be a different way to think about money, work, and enough—if we’re willing to pause and truly consider it. Through stories like a traveler living on “God’s bank account” and the invitation to “consider the lilies of the field,” he reflects on how quickly we dismiss ideas that challenge our assumptions. Instead of rushing to judge, Carl invites you to sit with these questions, let them follow you, and see what they reveal. Sometimes the most valuable insight isn’t an answer—it’s the willingness to hold a different possibility a little longer.
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/
In this episode, Carl shares a thought experiment designed to stretch how we think about reality, money, and the assumptions we rarely question. Inspired by ideas from thinkers like Seth Godin, he explores what happens when we stop judging new perspectives and simply consider them—whether it’s cultures that see dreams as more real than waking life or worldviews that organize life around something other than work and money. In a world that feels increasingly uncertain, Carl suggests that this openness isn’t just interesting—it may be essential. Sometimes the most powerful shift comes not from finding the right answer, but from being willing to see the question differently.
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/
In this episode, Carl explores a deceptively simple question sparked by a conversation about productivity gains: What are you going to do with all that time? Building on ideas from David Allen, Carl reflects on how deleting, automating, and delegating tasks can free up hours—but also creates a new challenge. Instead of filling that time with more work, what if it became space for something more meaningful? From learning new skills to serving others or pursuing long-held dreams, Carl invites you to consider whether reclaimed time is an opportunity not to do more, but to live differently.
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/
In this episode, Carl reflects on a simple but powerful idea he picked up from Tom Sachs: “output before input.” Instead of starting the day by consuming news, email, or social media, Carl explores the value of creating first—writing, thinking, moving, or making something—before letting the outside world in. Whether it’s a journal entry, a walk, or a small act of creativity, the practice isn’t about perfection or performance. It’s about reclaiming attention and starting the day with intention rather than reaction.
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/
In this episode, Carl revisits a simple idea and refines it: Instead of focusing on the “next best” or “next smallest” step, what if we just focused on the next step? In a world full of uncertainty, even subtle language can add pressure or create hesitation. Carl explores how shifting to something simpler and more neutral can make action feel lighter, more doable, and less loaded. When the future is unclear, progress doesn’t come from perfect planning. It comes from taking the next step.
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/
In this episode, Carl reflects on how easy it is to hide behind big plans and distant steps instead of taking action on what’s right in front of us. Drawing from a recent retreat conversation, he points out how often we get stuck thinking about scale, strategy, or the “hundredth step,” when in reality, progress only comes from the next best step. Planning has its place, but Carl suggests keeping it contained so it doesn’t become an excuse. In the end, the only thing that really matters is the step you can take right now.
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/
In this episode, Carl shares a simple phrase that has become surprisingly powerful in difficult moments: “I don’t need you to fix this. I just need you to listen.” When things go wrong or emotions run high, the instinct is often to jump straight to solutions. But Carl reflects on how valuable it can be to name what you actually need in the moment. Sometimes clarity and relief come not from advice, but from being heard by someone willing to simply listen.
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/
In this episode, Carl reflects on how behavior change often depends less on willpower and more on systems. After noticing a recent slip into his “checky check” habit, he explores the idea of building both defensive systems that create space between impulse and action and offensive systems that give you something better to do in that moment. From website blockers to simple alternatives like taking a walk or grabbing a notebook, Carl shares how small structures can help interrupt automatic behavior and make it easier to choose a different response.
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/
In this episode, Carl shares a small but revealing moment of failure. After spending most of the day resisting the urge to do the “checky check,” he slipped late at night and lost nearly an hour wandering the internet. Instead of turning that mistake into a story about personal failure, Carl explores a different response: treating the moment as information. By noticing the pattern, getting curious about the behavior, and simply beginning again the next day, he reflects on a gentler and more productive way to relate to mistakes.
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/
In this episode, Carl reflects on what he calls the “checky check,” the familiar habit of reaching for quick dopamine hits by checking news, social media, or email whenever work gets hard or energy drops. Lately, he’s been interrupting that impulse with a simple reminder: “There’s nothing for you there.” The idea isn’t about discipline for its own sake, but recognizing that the relief we’re looking for in those moments usually isn’t found in another quick scroll. Sometimes the most helpful move is simply noticing the impulse and choosing something better instead.
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/
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