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In this episode of Behavior Gap Radio, Carl reflects on a backcountry skiing trip that offered profound moments of connection—with nature, loved ones, and the present moment. He explores the tension between saving for the future and fully embracing the wealth of sacred experiences available right now. Through stories of unexpected reunions, quiet mountain ridges, and laughter with friends, Carl challenges listeners to reconsider where the true value lies and invites them to lean into the joy and meaning already present in their lives.
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 heartfelt episode of Behavior Gap Radio, Carl reflects on a powerful realization while preparing for a family trip: the delicate balance between knowing we are enough as we are and striving to be a little better. Through the story of creating a simple yet profound piece of art, Carl explores the tension of holding two seemingly opposing truths at once. He invites listeners to embrace this balance in their own lives and consider how they might share the message of "you are enough" with others during the holiday season.
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 of Behavior Gap Radio, Carl dives into a powerful question inspired by a conversation with writer Joel Stein: If someone 100 years from now reviewed a perfect record of how you spent your money and time, what would they learn about your true values—and what might embarrass you? Carl explores the discomfort and growth that come from confronting gaps between our stated priorities and actual behavior. He challenges listeners to reflect on their own lives and consider: Do you have a safe space to face these uncomfortable truths? If so, hold onto it—it’s a rare and invaluable gift.
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 of Behavior Gap Radio, Carl reflects on a pivotal moment from his high school years—the first time he realized others thought and lived differently when it came to money. Sharing a story about visiting a friend's house, Carl explores the emotional impact of recognizing financial and familial differences and how they shape our perspectives. He invites listeners to reflect on their own first moments of awareness: When did you realize that your "normal" wasn’t the same as someone else’s?
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 of Behavior Gap Radio, Carl unpacks a fascinating lesson about goals, metrics, and intention. Sparked by a conversation about someone else's impressive achievement, he reflects on how quickly arbitrary goals can take root—and how easily we can lose sight of what truly matters. Carl challenges us to examine whether the numbers we chase align with our deeper purpose or if they’re just distractions shaped by others’ expectations. It’s a thought-provoking reminder to focus on what really matters to us, not the metrics that might impress others.
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 of Behavior Gap Radio, Carl reflects on a powerful Dostoevsky quote about self-betrayal and the courage required to step off established paths to pursue our own. Through a personal coaching story, he explores the fear and exhilaration of navigating uncharted territory and the pitfalls of grasping for others' trails when our unique path is calling. This episode challenges us to confront the discomfort of authenticity and the transformative potential of choosing our own way, even when it feels terrifying.
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 of Behavior Gap Radio, Carl explores the finite nature of our most precious resources—time, energy, and attention—and the importance of investing them intentionally in relationships. He shares a personal story about choosing where to focus his efforts, emphasizing the need to prioritize the connections that generate the greatest returns in love, kindness, and richness of life. With practical insights, Carl challenges us to make thoughtful decisions about how we allocate our relational capital to create meaningful and impactful outcomes.
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 of Behavior Gap Radio, Carl reflects on how easily we can get derailed even when starting the day with the best intentions. He shares a transformative lesson learned from cold water swimming at Hampstead Heath, using the cold to calm the nervous system instead of up-regulating it. With practical insights on staying centered amidst life's unexpected challenges, Carl reminds us that simply noticing when we’re off course is a powerful first step toward regaining balance.
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 of Behavior Gap Radio, Carl imagines an eye-opening conversation with money, personified as a tired but honest friend. Through this thought experiment, he explores how we often ask money to provide things it simply can't—like peace of mind, security, or self-worth—and the disappointment that follows. Carl shares personal insights from his own financial struggles and invites listeners to reflect on the unrealistic jobs they may have assigned to money, encouraging a healthier perspective on its true role as a tool for value exchange.
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 of Behavior Gap Radio, Carl reflects on a quiet but profound shift in his relationship with money and responsibility. Through a family conversation about ski passes, he recognized how old stories of being the "family beast of burden" no longer controlled his reactions. Instead, by simply noticing and labeling his feelings, he allowed them to pass. Carl invites listeners to reflect on their own money stories and celebrate the subtle, unnoticed changes that signal real growth.
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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