Money anxiety often starts long before our first paycheck. For Carl Richards, it showed up as “static in the air” growing up around unspoken financial stress—and it shaped everything that came after.

In this candid conversation, Carl reflects on how early experiences with money quietly influence our beliefs about risk, security, and success. From diving for golf balls as a kid to accidentally landing a job in finance, he shares the moments that taught him why money is never just about numbers—and why comparison keeps so many of us from ever feeling like we have enough. Chris and Carl explore:
•Why money stress is often felt before it’s ever discussed
•How childhood experiences shape our financial behavior as adults
•Why hitting a financial “number” rarely brings peace of mind
•Carl’s belief that money’s natural state is flow, not accumulation
•How he now thinks about purpose, profit, and permission in his work
Opening clip – “John Mulaney: The Comeback Kid”

Check out Carl’s new book Your Money: Reimagining Wealth in 101 Simple Sketches
Send your questions and comments to [email protected]

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