Behavior Gap Radio

1438 | Output Before Input

Carl Richards — Fri, 17 Apr 2026 04:48:00 -0600

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.

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1437 | Correction: The Next Step

Carl Richards — Thu, 16 Apr 2026 04:48:00 -0600

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.

1436 | The Next Best Step

Carl Richards — Wed, 15 Apr 2026 04:48:00 -0600

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.

1435 | I Just Need to Rant

Carl Richards — Tue, 14 Apr 2026 04:48:00 -0600

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.

1434 | Defensive Systems for Behavior Change

Carl Richards — Mon, 13 Apr 2026 04:48:00 -0600

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.

1433 | I Failed...Isn't That Interesting

Carl Richards — Fri, 10 Apr 2026 04:48:00 -0600

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.

1432 | There’s Nothing for You There

Carl Richards — Thu, 09 Apr 2026 04:48:00 -0600

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.

1431 | The Conversation Toolbox

Carl Richards — Wed, 08 Apr 2026 04:48:00 -0600

In this episode, Carl shares a simple “conversation toolbox” for moments when someone asks for advice. Often, people don’t actually need answers as much as they need space to think through their next step. Carl explores a few practical ways to stay present in those conversations—acknowledging that something is hard, asking whether the person wants advice or simply to be heard, and using thoughtful questions to help them uncover their own answer. The goal isn’t to rush to solutions, but to create the conditions where clarity can emerge.

1430 | What's Your Red Flag Behavior?

Carl Richards — Tue, 07 Apr 2026 04:48:00 -0600

In this episode, Carl explores the idea of “red flag behavior,” the personal patterns that show up when we’re under pressure and facing uncertainty. Borrowing a lesson from backcountry skiing, Carl explains how knowing your own weak spots—your “kryptonite”—can help you put guardrails in place before a risky decision happens. Whether it’s impulsivity, rushing to closure, or offering quick advice just to escape ambiguity, recognizing these patterns is the first step toward making better decisions when the stakes are high and the future is unclear.

1429 | Creating Conditions and Containers

Carl Richards — Mon, 06 Apr 2026 04:48:00 -0600

In this episode, Carl reflects on a recent conversation with members of The Collective and explores a powerful idea about leadership and advice. Instead of rushing to provide answers, great leaders create the conditions and containers for honest conversation and shared understanding. Drawing on insights from Michael Bungay Stanier and Michael Hudson, Carl suggests that the real skill isn’t dispensing advice too quickly, but asking better questions and helping people uncover the wisdom they already have. Sometimes the most valuable thing we can do is simply hold the space a little longer.

1428 | The Only Wealth You Will Keep Forever

Carl Richards — Fri, 03 Apr 2026 04:48:00 -0600

In this episode, Carl shares a brief but powerful reflection inspired by Marcus Aurelius. Drawing from Stoic wisdom, he reads a simple line and lets it stand on its own: “The only wealth which you will keep forever is the wealth you have given away.” Carl offers almost no commentary, inviting listeners to sit with the idea and consider what it might mean about generosity, meaning, and the true nature of wealth.

1427 | The Skill of Not Knowing

Carl Richards — Thu, 02 Apr 2026 04:48:00 -0600

In this episode, Carl explores the idea of “negative capability,” a term coined by John Keats to describe the ability to remain in uncertainty without rushing to easy answers. In a world that constantly pressures us to predict, forecast, and sound confident, Carl suggests that real wisdom may lie in something different: the capacity to sit with ambiguity long enough to make thoughtful decisions. Good decisions, he argues, don’t require certainty. They require clarity about what matters and the courage to take the next small step—even when the future is unknown.

1426 | The Color of Truth Is Gray

Carl Richards — Wed, 01 Apr 2026 04:48:00 -0600

In this episode, Carl reflects on a line often attributed to H. L. Mencken: "Every complex problem has a solution that is simple, direct, plausible—and wrong." Carl explores the tension between simplicity and complexity, and the discipline required to stay in the messy middle long enough to find what he calls “elegant simplicity.” Instead of rushing to easy answers, the real work involves living with ambiguity, cutting through layers of nuance, and gradually discovering the clarity that lies on the far side of complexity.

1425 | That Same Night He Died

Carl Richards — Tue, 31 Mar 2026 04:48:00 -0600

In this episode, Carl shares a striking teaching attributed to Jesus from the non-canonical Gospel of Thomas. The story describes a wealthy man carefully planning how to grow and store his wealth so he would never lack anything—only to die that same night. Carl reflects on how prophets, poets, and philosophers across centuries keep pointing to the same lesson: wealth can be useful, but it’s wise not to become too attached to it.

1424 | Money Creates Conditions

Carl Richards — Mon, 30 Mar 2026 04:48:00 -0600

In this episode, Carl reflects on the relationship between money and meaning. While money can help create the conditions for security, autonomy, and purpose, it can’t actually deliver any of those things on its own. Carl explores how real security is often a nervous system issue, how autonomy still requires the choice to claim freedom, and how meaning grows from what we do with that freedom. The key insight is simple but powerful: money can create the space for these things to emerge, but experiencing them still depends on the choices we make.

1423 | Creating Your Own Olympics

Carl Richards — Fri, 27 Mar 2026 04:48:00 -0600

In this episode, Carl reflects on conversations with Olympic silver medalist Haley Batten and what it really means to perform at a high level. Watching the intention and discipline behind an Olympian’s daily routine sparked a realization: high performance isn’t just for elite athletes. Any of us can approach our own work and lives with the same mindset by focusing on small improvements each day. Carl explores the idea of designing your “ultimate day,” holding the tension between striving for excellence and accepting imperfection, and building a life where getting a little better each day becomes its own kind of Olympics.

1422 | Can You Defend That Assumption?

Carl Richards — Thu, 26 Mar 2026 04:48:00 -0600

In this episode, Carl reflects on a thoughtful idea shared by financial planner Jack Boston: the longer the projection, the more humility we need around our assumptions. Whether we’re building a financial plan, a business forecast, or simply making life plans, every projection relies on assumptions that will inevitably be wrong. Carl explores the danger of false precision, the importance of holding our projections loosely, and why planners should have a clear, defensible philosophy behind the assumptions they choose. The real work isn’t pretending to be right, but staying humble enough to adjust when reality proves us wrong.

1421 | The Crunchy Bit Binoculars

Carl Richards — Wed, 25 Mar 2026 04:48:00 -0600

In this episode, Carl shares a simple practice for becoming more present in conversations: looking for what he calls the “crunchy bits.” These are the moments when the emotional texture of a conversation shifts—when someone uses a loaded word or reveals something that carries deeper meaning. By staying curious and paying close attention, Carl suggests we can learn to notice these moments and respond more thoughtfully. It’s a small skill, but one that can transform how we listen, connect, and understand the people around us.

1420 | Price the Regret

Carl Richards — Tue, 24 Mar 2026 04:48:00 -0600

In this episode, Carl shares a simple but powerful reframing of a common question: “Can I afford it?” Whether it’s a trip, a sabbatical, or a chance to spend time with someone you love, the real question often isn’t just about money. It’s also about the cost of regret. Carl suggests that when making these decisions, we should consider not only the price of going, but also the price of not going. Sometimes that perspective changes the math in ways we don’t expect.

1419 | Designing a Life You Don't Need to Escape

Carl Richards — Mon, 23 Mar 2026 04:48:00 -0600

In this episode, Carl shares a brief reflection on the traditional idea of retirement. Outside of professions where physical limits make it necessary, he questions the notion of spending decades working at full speed only to stop completely one day. Instead, Carl suggests a different approach: designing work and a life you don’t feel the need to escape from in the first place. For many people, that shift might take years to build, but the question is worth sitting with. What would it look like to create a life you don’t need to retire from?

1418 | But I Don't Have a Coat to Give

Carl Richards — Sun, 22 Mar 2026 11:11:20 -0600

In this weekend episode, Carl reflects on the idea of “enough” and how surprisingly complex it becomes once you start looking closely. Drawing on conversations from his recent speaking tour and insights from Harvey Cox, he explores how our sense of enough is shaped by context—what we have, what we’re surrounded by, and who we compare ourselves to. The same message can feel very different depending on where you’re standing, and Carl resists offering a simple answer. Instead, he invites you to sit with the question and notice how your own definition of enough is being shaped.

1417 | Risk Hangover Part 2

Carl Richards — Fri, 20 Mar 2026 04:48:00 -0600

In this episode, Carl continues the conversation about “risk hangover,” the emotional aftermath that can follow a painful financial loss. He explores common patterns that show up in that state, like overcorrecting, anchoring to old highs, shortening time horizons, or rushing to repair the damage. Carl also shares a simple recovery protocol: pause, separate emotions from the numbers, give your nervous system time to settle, and then reinstall thoughtful guardrails before making the next decision. The goal is not to avoid risk entirely, but to recover from it in a way that leads to wiser decisions next time.

1416 | Risk Hangover Part 1

Carl Richards — Thu, 19 Mar 2026 04:48:00 -0600

In this episode, Carl explores the idea of a “risk hangover,” the emotional aftermath that can follow when a big risk doesn’t work out. It often shows up as regret, shame, rumination, or the urge to quickly “get back to even.” Carl reflects on how our brains treat financial mistakes as threats and how that can push us toward impulsive or avoidant behavior. The key, he suggests, is learning to recognize your personal red flags before making a risky decision. By understanding the patterns that show up when emotions run high, we can make wiser choices the next time risk appears.

1415 | Energy as an Indicator

Carl Richards — Wed, 18 Mar 2026 04:48:00 -0600

In this episode, Carl reflects on a simple but powerful signal: energy. After a long day of work, he noticed that some activities left him drained while others left him energized—even when the people involved were great. That contrast revealed something important: Energy can be a subtle but reliable indicator of the work you’re meant to do. Carl suggests paying closer attention to what gives you energy and what quietly takes it away, and using that awareness as a guide—especially when building a “stop doing list.” Over time, tuning into this signal may help clarify what truly belongs in your work and what doesn’t.

1414 | Are You Waiting for Information or Permission?

Carl Richards — Tue, 17 Mar 2026 04:48:00 -0600

In this episode, Carl asks a deceptively simple question: Are you waiting for information, or are you waiting for permission? Reflecting on conversations he had after moving to New Zealand, Carl explores how often people say they can’t make a big life decision because they lack money, timing, or certainty—when the real barrier may be a fear of acting in uncertainty. In complex systems like careers, markets, and family life, clarity rarely comes before the move. Carl invites us to examine whether we’re truly missing information or quietly waiting for reassurance that everything will be okay—and reminds us that emotional data deserves a place in the decision-making process.

1413 | Factoring in Being Human

Carl Richards — Mon, 16 Mar 2026 04:48:00 -0600

In this episode, Carl explores the tension between what’s rational on paper and what’s workable in real life. Spreadsheets say to invest lump sums immediately, keep low-interest debt, and avoid holding excess cash. The math is often right. But the spreadsheet doesn’t model loss aversion, regret, sleep, or the behavioral breaking point of being human. Strategies like dollar-cost averaging or paying off a mortgage may be mathematically suboptimal but psychologically stabilizing. Carl argues that these choices are often a form of emotional insurance, not mistakes. The key is simply to name them honestly: Sometimes the smartest line in the spreadsheet is the human factor.

1412 | Uncertainty Drag: Let's Be Honest

Carl Richards — Fri, 13 Mar 2026 04:48:00 -0600

In this episode, Carl introduces the idea of “uncertainty drag”—the hidden friction that uncertainty adds to our decisions and momentum. Like cash drag in investing, uncertainty drag slows progress as projects get delayed, hiring pauses, capital sits idle, and life decisions get postponed. Nothing catastrophic has happened, but things start to feel stuck. Carl explores how raising the bar for certainty can quietly cost us missed opportunities, experiences, and creative progress. The key question becomes: Where are you demanding more certainty than the system can actually provide—and what small, safe-to-fail experiments could help you keep moving?

1411 | Wait-and-See Mode

Carl Richards — Thu, 12 Mar 2026 04:48:00 -0600

In this episode, Carl explores the growing trend of “wait-and-see mode”—the instinct to pause decisions when uncertainty feels high. While it can seem prudent, Carl points out that waiting is still a decision, and it always carries a cost. The key question isn’t whether waiting is right or wrong, but what exactly you’re waiting for. By defining the catalyst that would move you out of “wait-and-see mode,” you can turn passive hesitation into an intentional strategy. Otherwise, what feels like patience may simply be waiting for comfort rather than clarity.

1410 | AI Is Not a Threat. It’s a Reminder.

Carl Richards — Wed, 11 Mar 2026 04:48:00 -0600

In this episode, Carl shares a thought that came to him on a morning walk in the mountains: Artificial intelligence isn’t a threat, it’s a reminder. As tools become faster at summarizing, analyzing, and generating answers, the truly scarce resource becomes something machines cannot replicate—human wisdom. Carl reflects on wisdom as the ability to apply knowledge with judgment, perspective, and moral clarity, and suggests that the rise of AI only highlights how valuable that capacity is. For him, cultivating wisdom happens through long walks with nothing in his ears, more silence, and deep conversations—the kinds of practices that create space for discernment, meaning, and the slow growth of understanding.

1409 | Embracing the Beauty of Wrongness

Carl Richards — Tue, 10 Mar 2026 04:48:00 -0600

In this episode of the "How to Plan" series, Carl explores what may be the most important principle of all: preparing to be wrong. Real planning, he argues, isn’t about being precisely correct today. It’s about becoming less wrong tomorrow. Once we draw the line, the work shifts to running small experiments and actively seeking disconfirming evidence instead of defending outdated maps. New information, even when it’s uncomfortable, feeds back into purpose, goals, and current reality, helping us adjust course. Planning becomes a living process, not a static prediction. The beauty is in embracing wrongness as the path to getting closer to what’s true.

1408 | Step Four: Draw the Line

Carl Richards — Mon, 09 Mar 2026 04:48:00 -0600

In this episode, Carl returns to his “How to Plan” series and introduces the next step: drawing the line. After clarifying purpose, defining goals, and understanding current reality, it’s time to build the plan—the map from here to there. But Carl reminds us of a crucial paradox: Every plan is wrong; the only question is how. Like a flight plan or a backcountry route, the value isn’t in perfect prediction—it’s in creating a baseline to adjust from. A plan is a model of an expected future reality, something to hold with strong conviction and loose hands. Because the real magic often lives in what doesn’t go according to plan.

1407 | Getting and Spending

Carl Richards — Sat, 07 Mar 2026 04:48:00 -0700

In this episode, Carl reflects on a line from William Wordsworth written in 1802: “Getting and spending, we lay waste our powers.” Carl explores how Wordsworth was already warning about the danger of a culture obsessed with acquisition and consumption. The real loss, he suggests, isn’t moral or financial. It’s the quiet erosion of our attention, imagination, and sense of wonder. Carl invites listeners to consider a deeper risk around money: not losing it, but losing the parts of ourselves that money can never buy.

1406 | What's the Story?

Carl Richards — Fri, 06 Mar 2026 04:48:00 -0700

In this episode, Carl reflects on the stories we instantly tell about money—especially when it comes to visible signs of consumption, like homes and cars. A passing glance at someone’s lifestyle can trigger assumptions about success, character, or values, even though we rarely know the real story behind the purchase. Carl turns the lens on himself, noticing how quickly narrative creeps in, and asks a deeper question: What stories does our own spending tell, and how often are we projecting incomplete stories onto others? It’s a thoughtful exploration of money, identity, and the invisible narratives we carry around every day.

1405 | Who Do You Want to Disappoint?

Carl Richards — Thu, 05 Mar 2026 13:29:30 -0700

In this episode, Carl explores one of the hardest kinds of decisions: choosing between two genuinely good options. When every meaningful "yes" contains a painful "no," the tension isn’t about right versus wrong—it’s about trade-offs. Sharing a simple but piercing question from Christy Raines—“Who do I want to disappoint?”—Carl unpacks how every decision has a shadow, whether it’s a client, a family member, or your future self. The choice may not become easier, but it often becomes clearer. Because the real work isn’t avoiding tradeoffs—it’s deciding, intentionally, which ones you’re willing to carry.

1404 | Strategy Is Risk to the Ego

Carl Richards — Wed, 04 Mar 2026 04:48:00 -0700

In this episode, Carl wraps up his reflections on strategy versus tactics and names the trap he sees everywhere: tactic substitution. It’s easy to copy someone’s tools, workflows, or visible habits without understanding the deeper worldview, positioning, and identity beneath their success. Tactics are concrete, measurable, and easy to sell. Strategy is abstract, slow, and uncomfortable. Drawing on ideas from Seth Godin, David C. Baker, James Clear, Cal Newport, and Steven Pressfield, Carl explores how buying tools can become a way to avoid the harder questions of identity and purpose. At the heart of it all is a simple tension: Do you want another tactic, or are you willing to confront who your work is for and what it actually does?

1403 | Strategy Informs Tactics

Carl Richards — Tue, 03 Mar 2026 04:48:00 -0700

In this episode, Carl explores a hard but essential distinction: strategy precedes tactics. Drawing on ideas from Seth Godin, he argues that strategy answers two simple but demanding questions: "Who is it for?" and "What does it do?" Tactics are merely the downstream execution. Without clarity on strategy, optimizing headlines, funnels, and email cadence only amplifies noise. Through the familiar “Stephen King’s pen” story, Carl points out how focusing on tools can become a place to hide from the real work. The map isn’t the problem. The real challenge is having the courage to draw your own.

1402 | Tactics as a Place to Hide

Carl Richards — Mon, 02 Mar 2026 04:48:00 -0700

In this episode, Carl continues exploring the idea that the market for feeling productive is far larger than the market for actually doing the work. Reflecting on years of watching people chase tactics, hacks, and maps, he points to Seth Godin as a consistent voice who refuses to confuse tools with craft. Morning routines, specific pens, productivity systems—these are downstream artifacts, not the cause of meaningful work. The real shift isn’t finding the perfect map; it’s cultivating the courage to draw your own.

1401 | A Rant About Doing vs. Feeling

Carl Richards — Fri, 27 Feb 2026 04:48:00 -0700

In this episode, Carl reflects on a provocative idea from the essay “Tool Shaped Objects”: The market for feeling productive is far larger than the market for actually being productive. From webinars about writing to habit books, templates, and optimization systems, it’s often easier to buy preparation than to do the work itself. Why? Because preparation feels like progress without exposing us to risk, rejection, or uncertainty. Doing the real thing is vulnerable. Carl turns the lens on himself—and on us—with a simple but uncomfortable question: Are you in the market for feeling productive or are you ready to actually be productive?

1400 | Step Three: Current Reality

Carl Richards — Thu, 26 Feb 2026 04:48:00 -0700

In this episode, Carl returns to his “how to plan” series and walks through step three: current reality. After starting with purpose and letting goals grow from that foundation, it’s finally time to ask, “Where are you today?” But Carl reminds us that even something as seemingly objective as a balance sheet is filled with stories, tradeoffs, and emotion. From assets and liabilities to income and cash flow—and even the invisible, off-balance-sheet values like simplicity, community, or time at home—understanding current reality is about more than numbers. It’s about seeing clearly where you stand before building the path forward.

1399 | Maybe It’s Not Risk Tolerance

Carl Richards — Wed, 25 Feb 2026 04:48:00 -0700

In this episode, Carl revisits the idea of risk tolerance and challenges the assumption that it’s a stable personality trait that can be measured with a score. Drawing on research from Paul Slovic and lessons from the mountains, he suggests that when someone says, “I can’t tolerate that kind of risk,” they may not be describing tolerance at all—but fear, lack of trust, loss of control, or an unprocessed memory from 2008. Instead of adjusting portfolios first, Carl argues for adjusting the conversation, separating dread from probability, and getting specific about what actually feels scary—because that’s where the real work begins.

1398 | Underdeveloped Consequence Comprehension

Carl Richards — Tue, 24 Feb 2026 04:48:00 -0700

In this episode, Carl questions one of the foundations of traditional financial planning: risk tolerance. Reflecting on decades of uneasy experience with risk tolerance questionnaires, he asks three simple but powerful questions: Does risk tolerance really exist? Can we measure it? And does it stay constant over time? Then he introduces a provocative idea: when someone appears to have a "high tolerance for risk," maybe it’s not tolerance at all. Maybe it’s an underdeveloped understanding of consequences. Carl invites us to reconsider whether risky behavior reflects personality—or simply a failure to fully grasp what’s at stake.

1397 | Probability Is the Weak Link

Carl Richards — Mon, 23 Feb 2026 04:48:00 -0700

In this episode, Carl revisits the classic risk equation—risk equals probability times consequence—and explains why probability is often the weak link. Drawing on stories from mountain climbing, avalanche education, and investing, he explores how our brains are poorly wired for estimating odds, often substituting confidence and vivid stories for statistical reality. Instead of obsessing over forecasts, Carl suggests shifting focus to consequences: If I’m wrong, what happens? From terrain choice in the backcountry to portfolio design in uncertain markets, he makes the case that humility, a margin of safety, and resilience in the face of uncertainty are far more reliable than precise probability predictions.

1396 | The Tool Is NOT the Thing

Carl Richards — Fri, 20 Feb 2026 04:48:00 -0700

In this episode, Carl shares a story about a surgeon retraining in his 50s to use new robotic tools—and uses it to explore a bigger idea: it’s easy to get distracted by tools and forget the job to be done. The goal isn’t the hammer, the robot, or the latest technology. The goal is the outcome. Whether that’s better patient results, clearer advice, or kindness and connection at scale, tools only matter if they serve the purpose. Instead of feeling threatened by new technology, Carl suggests getting clearer about what you’re actually trying to do in the world—and then choosing the tools, old or new, that help you do that better.

1395 | Shift the Frame, Not the Content

Carl Richards — Thu, 19 Feb 2026 04:48:00 -0700

In this episode, Carl continues his series on the craft of asking better questions in financial planning, focusing on how to shift the frame—not just the content—of a conversation. Rather than refining answers, he encourages planners to question the assumptions underneath them with prompts like, “What problem are we trying to solve?” or “If this plan is a hypothesis, what are we actually testing?” In a probability-based environment where outcomes are uncertain, Carl argues that the real work is improving the decision-making process itself. Good questions don’t just optimize answers—they change how we think about the game.

1394 | Quality of Attention vs. Cleverness of Question

Carl Richards — Wed, 18 Feb 2026 04:48:00 -0700

In this episode, Carl shares a simple but powerful idea for better money conversations: ask questions that create a productive pause. Drawing on facilitation research, he explains that the quality of attention in the room matters more than the cleverness of the question—and that real insight emerges when people feel safe enough to think, not pressured to perform. Through short, disarming prompts like “What feels unsettled here?” or “What are we pretending not to notice?” Carl shows how well-placed silence and genuine curiosity can unlock honesty, deepen trust, and lead to more meaningful financial planning.

1393 | Concrete Memory, Not Opinions

Carl Richards — Tue, 17 Feb 2026 04:48:00 -0700

In this episode, Carl makes the case that great planning doesn’t happen in spreadsheets—it happens in conversation. He explores a simple but powerful shift in how we ask questions: trading abstract opinions for concrete memories. Instead of asking, “What do you think?” try, “Can you remember a specific time when…?” Because when we ask for memories, we move past polished narratives and identities and get closer to lived experience—the emotional data that actually drives financial decisions and risk behavior. From market fear to retirement numbers to childhood money stories, Carl shows how better questions lead to deeper clarity, stronger alignment, and more meaningful planning conversations.

1392 | The Most Overrated Form of Capital

Carl Richards — Mon, 16 Feb 2026 04:48:00 -0700

In this episode, Carl steps outside the planning series to share a reflection that’s been on his mind: Money may be the loudest form of capital, but it’s the least interesting—and often the least dangerous when misused. Exploring the four sources of capital—money, time, energy, and attention—he argues that while we obsess over what’s easiest to count, the real long-term damage comes from quietly misallocating the forms of capital we can never earn back. With a simple thought experiment, Carl invites us to reconsider what truly compounds over a lifetime and where our attention is actually going.

Bonus Sunday Episode: What Jobs Have You Given Money?

Carl Richards — Sun, 15 Feb 2026 09:45:06 -0700

In this special Sunday edition, Carl reflects on a quote from Debbie Millman: “Money is never about money. Instead, it's an intellectual exchange for something you believe will make you feel better." Carl explores how easy it is to quietly give money jobs it cannot do—like providing lasting security, love, pride, or a sense of enough. While money can create options and comfort, it can’t deliver infinite satisfaction. The invitation for the weekend is simple: Make a list of the jobs you’ve given money, then notice which ones it can actually perform and which ones it never will.

1391 | Step Two: Goals

Carl Richards — Fri, 13 Feb 2026 04:48:00 -0700

In this episode, Carl walks through the second step of purpose-based planning: turning purpose into goals. Rather than asking clients to name goals out of thin air, he explains how goals naturally grow out of conversations about what matters, giving people permission to relax, guess, and explore without false precision. Carl shows how to frame, prioritize, and rank goals based on what’s truly at stake for each client, reminding us that goals are provisional, flexible, and meant to clarify direction, not lock anyone into a rigid plan.

1390 | Step One: Define the Purpose

Carl Richards — Thu, 12 Feb 2026 04:48:00 -0700

In this episode, Carl walks through the first step of purpose-based planning: uncovering what truly matters before building any plan. He describes purpose as something to be rediscovered through careful, human conversation rather than invented, and shares practical ways to ask better questions, listen for emotional clues, and turn values into a clear Statement of Financial Purpose. The goal is simple but foundational. Start with "why," so every future decision has something solid to align to when the noise, fear, or complexity shows up.

1389 | Managing the Tension

Carl Richards — Wed, 11 Feb 2026 04:48:00 -0700

In this episode, Carl explores the productive tension between problem-to-solve planning and purpose-based planning, and why great planning requires moving fluidly between both. He explains how advisors should meet presenting problems with real empathy while quietly listening for deeper signals about purpose, meaning, and values beneath the surface. The work, he argues, isn’t choosing one approach over the other. It’s serving the human in front of you, solving what hurts right now, and gently guiding the conversation toward why any of it matters in the first place.

1388 | Planning as an Ongoing Practice

Carl Richards — Tue, 10 Feb 2026 04:48:00 -0700

In this episode, Carl reframes planning as a living practice rather than a one-time event, arguing that the real work of planning is the ongoing process of aligning your use of capital with what matters most as life and priorities change. He explores how treating plans as fixed predictions creates pressure, shame, and anxiety, while viewing planning as a rhythm of orienting, acting, learning, and adjusting allows us to stay grounded in reality. Planning, he suggests, isn’t about being right forever. It’s about being a little less wrong over time and building a sustainable way to navigate uncertainty.

1387 | Resilience Is Not Strength

Carl Richards — Mon, 09 Feb 2026 04:48:00 -0700

In this episode, Carl challenges the idea that resilience is about toughness or enduring pain, arguing instead that real resilience comes from thoughtful design that avoids unnecessary exposure in the first place. Using a powerful backcountry skiing analogy, he explains how shifting from managing danger to choosing safer terrain reframed his understanding of risk, joy, and sustainability. The lesson carries directly into planning and life: Resilience isn’t about surviving fragile systems through grit, but about building plans with margin and guardrails so failure is survivable and courage isn’t constantly required.

Where Your Treasure Goes, Your Life Follows

Carl Richards — Sun, 08 Feb 2026 04:48:00 -0700

1386 | Planning With Energy, Time, and Attention

Carl Richards — Fri, 06 Feb 2026 04:48:00 -0700

In this episode, Carl expands the idea of planning beyond money to include the four forms of capital we’re always spending: money, energy, time, and attention. He explains why plans that only optimize for dollars can look great on paper and still fail in real life, especially when invisible costs like exhaustion, distraction, or resentment go unexamined. Through simple, human examples, Carl argues that attention is the true currency of meaning and relationships, and that real planning is about aligning how we use all of our capital with what actually matters to us.

1385 | Optionality as Safety

Carl Richards — Thu, 05 Feb 2026 04:48:00 -0700

In this episode, Carl reframes optionality as one of the most important forms of safety in planning. Pushing back on the romantic idea of “burning the boats,” he explains why removing all alternatives doesn’t create commitment; it creates fragility. In an uncertain world, optionality is the ability to respond to new information, not a sign of fear or indecision. Through ideas like micro-actions, Slack, and margin of safety, Carl shows how small, reversible steps create learning, resilience, and real momentum. This is a conversation about designing plans that can bend instead of break, and why flexibility, not drama, is what actually carries us forward.

1384 |The Power of the Next Local Optimum

Carl Richards — Wed, 04 Feb 2026 04:48:00 -0700

In this episode, Carl introduces the idea of the “next local optimum” and challenges the fantasy that meaningful change comes from one big, heroic leap. In complex, real-world systems like money, careers, and relationships, clarity doesn’t arrive before action. It emerges because of action. Carl explains why small, reversible steps matter more than bold plans, how micro-actions create learning and reduce risk, and why navigation beats ambition every time. This is an episode about trading certainty for orientation, letting go of the myth of the big move, and learning to trust the quiet power of the next small step.

1383 | Why Energy & Attention?

Carl Richards — Tue, 03 Feb 2026 04:48:00 -0700

In this episode, Carl pauses his planning series to explore the idea behind one of his favorite sketches from his new book: The Four Sources of Capital. Prompted by a thoughtful LinkedIn question, he unpacks why money, energy, time, and attention deserve to be treated as distinct—and why attention may be the most valuable of all. Using a simple skiing example, Carl shows how we can spend money, time, and energy without ever really being present, and how attention is what turns activity into meaning. At its core, this episode is a reflection on why attention is the true currency of meaningful experiences and lasting relationships.

1382 | Where Are We Starting From?

Carl Richards — Mon, 02 Feb 2026 04:48:00 -0700

In this episode, Carl turns the planning conversation toward current reality and asks a deceptively simple question: Where are you, really? After starting with purpose, values, and goals, he explains why honest planning can only begin once we locate ourselves clearly. Carl reframes balance sheets and net worth as stories, not just numbers, and shows why naming what you own and what you owe is an act of kindness, not judgment. This episode explores how radical honesty, done slowly and without shame, can turn vague anxiety into something workable and gives planning a real place to start.

1381 | Holding Space & Crunchy Bits

Carl Richards — Fri, 30 Jan 2026 04:48:00 -0700

In this episode, Carl introduces the idea of “crunchy bits” and emotional resonance—those subtle moments in a conversation when something important is trying to surface. He explains how to notice the signals: changes in tone, pauses, defensiveness, laughter, body language, or even a shift you feel within yourself. Most importantly, Carl talks about the courage to slow down and hold space, rather than rushing past discomfort. This episode serves as a practical guide to the fine-brush work of real financial planning, where presence, patience, and trust create the conditions for meaning to emerge.

1380 | Go-Deeper Transitions

Carl Richards — Thu, 29 Jan 2026 04:48:00 -0700

In this episode, Carl explores how real financial planning conversations actually deepen. While initial questions matter, they’re only the doorway. The real work begins after the first answer. Carl introduces the idea of “go-deeper transitions”: simple, human moves like saying “tell me more,” noticing emotionally charged words, or gently naming what feels important in the room. He explains why these moments matter more than perfectly scripted questions, and how curiosity, presence, and permission allow deeper meaning to surface over time. This is a practical look at how listening turns a surface conversation into one that actually changes how people understand money and their lives.

1379 | The Skill That Actually Matters: Listening

Carl Richards — Wed, 28 Jan 2026 04:48:00 -0700

In this episode, Carl names the core skill at the heart of real financial planning: listening. Not just hearing words, but practicing presence, intuition, and sensing what’s actually happening in the room. He explains why this kind of listening isn’t taught in traditional financial planning and why it can feel uncomfortable, vague, and hard to measure. Through simple, everyday examples, Carl shows how listening and trusting intuition are skills you can practice, and why letting go of false certainty is essential. This episode is about reclaiming listening as the real craft of planning, and why it matters more than any spreadsheet ever could.

1378 | The Planner's Role: Facilitator, Not Calculator

Carl Richards — Tue, 27 Jan 2026 04:48:00 -0700

In this episode, Carl reframes the role of the planner in what he calls real financial planning. The job isn’t to calculate or construct meaning, but to facilitate its discovery. Using the metaphors of archaeology and non-destinational hiking, Carl explains why meaning already exists within the client, and why the planner’s work is to uncover it with presence, care, and skill. Spreadsheets and models still matter, but only as tools that create space for deeper exploration. At its core, this kind of planning is about guidance, facilitation, and learning how to get out of the way so something more meaningful can emerge.

1377 | Real Financial Planning Happens IN Conversation

Carl Richards — Mon, 26 Jan 2026 04:48:00 -0700

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.

1376 | The Presenting Problem vs. Desired Future State

Carl Richards — Fri, 23 Jan 2026 04:48:00 -0700

In this episode, Carl shares a pattern he’s seen hundreds of times: people who’ve “won the game” financially, yet quietly ask, "Is this all there is?" He uses these conversations to explain a core idea in real financial planning. Clients rarely come in asking for meaning or alignment. They arrive with a presenting problem about money. But beneath that surface request is a desired future state they often don’t yet have language for. Carl argues that the real work isn’t dismissing the money question, but meeting it with empathy and using it as an entry point to something deeper. This episode explores the gap between solving financial problems and helping people uncover the life they were actually hoping those solutions would lead to.

1375 | Measuring What Matters, Not What's Easy

Carl Richards — Thu, 22 Jan 2026 04:48:00 -0700

In this episode, Carl pushes deeper into a core tension of real financial planning: if it’s not about money, what are we actually measuring? His answer is uncomfortable and deliberate. Meaning is the output, even though it’s hard to quantify, difficult to compare, and impossible to reduce to tidy units. Carl challenges the profession’s habit of measuring what’s easy instead of what matters, pointing out that rising financial anxiety suggests something is off. This conversation isn’t about neat metrics or proving value with spreadsheets. It’s about aligning the use of capital with what truly matters, leaning into the ambiguity, and trusting that meaning is something you recognize when you feel it.

1374 | What Is Real Financial Planning

Carl Richards — Wed, 21 Jan 2026 04:48:00 -0700

In this episode, Carl gets more concrete about what he means by real financial planning. Prompted by repeated questions of “yes, but how do you actually do it?” he defines the strain of planning he cares most about and what sets it apart. The core idea is simple but radical: money is not the outcome, meaning is. Money is a tool, not a scoreboard. Real financial planning, as Carl frames it, is about aligning how you use your capital, time, energy, and attention with what actually matters to you, so you can live a more meaningful life. The label is imperfect, but the distinction matters. This episode lays the philosophical spine for the practical work that follows.

1373 | Goals Grow Out of Purpose

Carl Richards — Tue, 20 Jan 2026 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl explains why goals should grow out of purpose, not the other way around. Rather than starting with numbers or aspirational targets, he shows how a clear sense of purpose gives goals meaning, flexibility, and durability. When goals emerge from purpose, they stop feeling like pressure or performance metrics and start acting as directional markers that can evolve without shame. Carl shares client stories to illustrate how purpose anchors goals, keeps them from becoming brittle, and reminds us that the point was never the goal itself. The point was living in alignment with what matters in the real world, where plans change and clarity is always provisional.

1372 | Writing the Statement of Purpose

Carl Richards — Mon, 19 Jan 2026 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl walks through how to write a Statement of Financial Purpose and why it matters more than values lists, slogans, or motivation. Drawing from personal experience and years of planning work, he explains how a clear purpose acts as an orientation device, not a prediction or a pep talk. A good statement of purpose narrows choices, reduces decision fatigue, and creates coherence over time, especially when trade-offs show up or conditions change. It doesn’t eliminate fear or guarantee outcomes. It simply gives you a heading when the path isn’t clear and reminds you how to decide when you don’t know.

1371 | Purpose-Based Planning

Carl Richards — Fri, 16 Jan 2026 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl explores purpose-based planning, a quieter, more orienting mode of planning that becomes possible once the fires are out and there’s enough stability to think clearly. Unlike problem-to-solve planning, which demands immediate solutions, purpose-based planning asks a deeper question: What do I want this plan to be in service of? Carl explains how purpose creates coherence, durable direction, and meaningful constraints that make trade-offs clearer without making them easy. Purpose can’t be forced under threat, but when there’s space for it, it helps us choose which problems are actually worth solving and how we want to live while solving them.

1370 | Problem-To-Solve Planning

Carl Richards — Thu, 15 Jan 2026 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl introduces problem-to-solve planning, a practical mode of planning meant for moments of urgency, constraint, or pain. Drawing from stories in the mountains, the ER, and years of reader questions, he explains why some situations don’t call for deep purpose or big-picture reflection. They call for action. Problem-to-solve planning asks one clear question: What are we actually solving for right now? When used well, it stabilizes the situation, reduces anxiety, and restores enough clarity and bandwidth to move forward. Sometimes the wisest plan is simply getting the arrow out of your arm.

1369 | Purpose, Goals, and Plans

Carl Richards — Wed, 14 Jan 2026 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl shares an essay on purpose, values, and goals, and why so much anxiety around planning comes from starting in the wrong place. He explains how goals feel brittle and high-pressure when they’re mistaken for purpose, and why missing a goal can feel like a personal failure when the deeper “why” isn’t clear. By untangling purpose (the enduring why), values (how it shows up), and goals (temporary, adjustable guesses), Carl shows how planning becomes calmer, more flexible, and more human. Start with purpose, let goals emerge, and allow plans to adapt without shame.

1368 | Why Have Goals in an Uncertain World?

Carl Richards — Tue, 13 Jan 2026 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl asks a fair question: If the world is uncertain, and plans are just guesses, why have goals at all? He reframes goals not as promises or predictions, but as values-informed guesses that relieve pressure instead of creating it. Carl explains the three reasons goals still matter in an uncertain world: they give us direction when the path isn’t clear, they create a quiet gravitational pull toward what matters, and they offer hope when certainty isn’t available. Goals don’t lock us in. They help us keep moving.

1367 | A Plan Is a Hypothesis

Carl Richards — Thu, 08 Jan 2026 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl continues his exploration of what a plan actually is—and what it isn’t. A plan, he argues, is a hypothesis: a best guess worth testing, not a promise or a prediction. When we treat plans like guarantees, we invite overconfidence at the start and panic when reality inevitably changes. Instead, Carl reframes planning as an ongoing process of learning, adaptation, and course correction, where change signals insight, not failure. The real value of a plan is orientation, flexibility, and a clear way forward in uncertain terrain.

1366 | What a Plan Actually Is (Intro)

Carl Richards — Wed, 07 Jan 2026 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl begins exploring a deceptively simple question: What is a plan, really? After weeks of unpacking risk, uncertainty, and the limits of prediction, he reframes planning as a living practice—not a promise, forecast, or static document. In a world that isn’t stable or fully knowable, a good plan acts as a working model that helps you adapt, stay oriented, and remain aligned with what matters most as conditions change. This episode sets the stage for a deeper look at planning as an operating manual for navigating reality.

1365 | The Most Intimate Form of Risk

Carl Richards — Tue, 06 Jan 2026 04:48:00 -0700

In this bonus episode of Behavior Gap Radio, Carl reflects on a conversation with an entrepreneur facing what she described as “terror” on the edge of launching deeply personal work. He explores the difference between building something as a business case and creating something as art—and why the latter carries a unique kind of risk. When you say, “Here, I made this. I hope you like it,” you’re inviting the most intimate form of feedback there is. Carl explains why that fear makes sense, why it can’t be eliminated, and why the only real option is to feel it fully… and do the work anyway.

1364 | Essay 04 | Risk Is What’s Left Over

Carl Richards — Mon, 05 Jan 2026 16:22:03 -0700

In this episode of Behavior Gap Radio, Carl shares Essay #4 in his ongoing series and reframes one of the most misunderstood ideas in planning: risk. Most of what we call risk isn’t volatility or headlines—it’s what’s left over after you think you’ve planned for everything. Carl explains why good plans don’t eliminate risk, why certainty should make us nervous, and why humility is not a weakness but a risk-management strategy. In a complex, adaptive world, planning isn’t about control or prediction. It’s an ongoing practice of awareness, flexibility, and learning to work with what inevitably shows up.

1363 | Essay 03 | How Experience Can Get You Killed

Carl Richards — Thu, 01 Jan 2026 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl revisits the critical difference between kind and wicked learning environments—and why experience can either make you wiser or dangerously overconfident. When feedback is clear, fast, and reliable, learning compounds, but when feedback is delayed, noisy, or misleading, experience can quietly teach the wrong lessons. Carl explains why real planning can’t assume experience equals insight, and why better questions—about feedback, time horizons, and the role of luck—matter more than confident conclusions.

1362 | Essay 02 | The Landscape

Carl Richards — Wed, 31 Dec 2025 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl digs into one of his core ideas: You don’t solve the world you’re in, you navigate it. Building on the first essay, he explains why so much planning advice quietly assumes a linear, controllable world—and why that breaks down in the complex adaptive landscapes where most of life actually happens. From careers to relationships to raising kids, Carl reframes the frustration of constantly adjusting plans as a feature of reality, not a personal failure, and sets up the questions that come next about learning, feedback, and making decisions in a world that won’t sit still.

1361 | Essay 01 | The World Is Not What We Were Promised

Carl Richards — Tue, 30 Dec 2025 11:28:30 -0700

In this episode of Behavior Gap Radio, Carl introduces the first essay in a new series, The World Is Not What We Were Promised. He reflects on the quiet assumptions many of us absorb about how life is “supposed” to work—and what happens when reality doesn’t cooperate. Rather than fighting uncertainty, Carl suggests adopting a posture of living in wrongness and treating uncertainty not as a flaw, but as a feature. That’s where the real work begins.

1360 | Kind vs. Wicked Learning Environments

Carl Richards — Thu, 18 Dec 2025 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl explores the difference between kind and wicked learning environments—and why misunderstanding feedback can lead us to learn exactly the wrong lesson. Drawing on examples from markets, backcountry skiing, and life decisions, he explains how delayed or unreliable feedback can turn experience into overconfidence instead of wisdom. Carl shows why outcomes aren’t always feedback, why “nothing bad happened” can be dangerously misleading, and why strong processes matter more than results in wicked environments. A crucial guide to learning safely in uncertain terrain.

1359 | Time Horizons: How the Game Changes When the Clock Changes

Carl Richards — Wed, 17 Dec 2025 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl explores how many of our worst decisions come from playing the right game on the wrong clock. Time horizons shape how we interpret risk, success, discomfort, and progress—but most of us mix up short-term and long-term games. Carl explains why impatiently “digging up the oak tree” to check the roots derails meaningful work, how long-term thinking reveals signal over noise, and why borrowed timelines create borrowed anxiety. Align the clock with the game, he says, and you give your decisions—and your life—the chance to compound.

1358 | Luck—the Variable We Pretend Is Skill

Carl Richards — Tue, 16 Dec 2025 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl tackles an uncomfortable truth: Luck plays a bigger role in our lives—and our outcomes—than we like to admit. He explains why, in complex environments like markets, careers, and relationships, good decisions can lead to bad results and bad decisions can occasionally pay off. Through stories, including a man who gambled everything on one roulette spin, Carl illustrates the crucial distinction between skill and luck, and why the real work is building a repeatable decision-making process. Recognizing luck, he says, brings humility, compassion, and clearer thinking in uncertain terrain.

1357 | The Story Is the Only Map That Works

Carl Richards — Mon, 15 Dec 2025 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl unpacks the idea of sense-making—the way we build just enough coherence from past events to take the next step in uncertain environments. Through a story from his New York Times days and reflections on how we interpret unexpected outcomes, he explains that sense-making isn’t about accuracy or perfect explanations. It’s about crafting a plausible story that helps us move forward. Carl shares the questions he uses to check his own stories—What am I noticing? What am I ignoring? Does this story help me act or trap me?—and reminds us that in complex, adaptive systems, story isn’t a luxury. Story is navigation.

1356 | Simple, Complicated, and Complex

Carl Richards — Fri, 12 Dec 2025 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl breaks down one of the most important ideas in decision-making: the difference between simple, complicated, and complex systems. He explains why mislabeling the terrain you’re navigating—whether in markets, mountains, creative work, or relationships—leads to using the wrong tools and taking the wrong risks. Through stories ranging from bestselling authors to early climbing mistakes, Carl shows why checklists fail in complex environments, why expertise can become a liability, and why navigating uncertainty requires experiments, awareness, and reducing exposure. A foundational lesson in seeing the world as it really is.

1355 | Danger, Exposure, Vulnerability: Three Different Beasts

Carl Richards — Thu, 11 Dec 2025 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl breaks down three words we often mix up when thinking about risk: danger, exposure, and vulnerability. Through a story about an elderly client worried about geopolitical news that had no real impact on her, he shows how easy it is to confuse “danger out there” with “risk to us.” Carl explains why understanding where the danger truly is, how exposed we are to it, and how vulnerable we’d be if it hits, can completely change our decision-making in markets, mountains, and everyday life.

1354 | What Risk Really Is (And Why We Keep Getting It Wrong)

Carl Richards — Wed, 10 Dec 2025 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl shares a sobering story about mountain risk—and how it reshaped the way he thinks about uncertainty in every area of life. After reading an avalanche accident report, he realized that what he’d been calling “experience” was often just luck. From backcountry skiing to investing to the boardroom, Carl explains three practices that now guide his decisions: respect uncertainty, pay attention to small signals, and reduce exposure so the leftover risk can’t destroy you. A powerful reflection on seeing risk clearly and staying alive to learn from it.

1353 | The Mag 7 and You

Carl Richards — Tue, 09 Dec 2025 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl tackles the hype and fear swirling around the “Magnificent Seven” stocks and the temptation to either go all-in or get out entirely. He explains why a disciplined investor doesn’t chase hot names—or panic when a single stock grows to 7.5 percent of the S&P 500. Instead, they rebalance based on allocation, not predictions. If something grows beyond its intended weight, you trim it—not because you’re smart enough to call the top, but because it’s out of balance relative to your goals and values. A clear, grounded take on investing like an adult.

1352 | An Astonishing Behavior Gap

Carl Richards — Mon, 08 Dec 2025 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl revisits one of the most striking examples of the behavior gap: Peter Lynch’s legendary Magellan Fund. While the fund returned an extraordinary 29 percent, the average investor captured only a fraction of it—and some studies say many even lost money. Why? Because humans buy high, sell low, and chase what’s hot. Carl breaks down how this pattern shows up again and again, why even great investment processes fail if behavior doesn’t support them, and why the real challenge isn’t finding the best fund… it’s staying in it.

1351 | The Investment Process

Carl Richards — Fri, 05 Dec 2025 06:48:48 -0700

In this episode of Behavior Gap Radio, Carl returns to his roots and digs into the heart of investing: having a clear, defensible process. Whether you’re an advisor, a planner, or simply someone who invests, he challenges you to ask one simple question: Why are you invested the way you’re invested? Carl explains why relying on headlines, hype, or a single podcast won’t cut it—and why writing down your investment process, as if you had to defend it in a room full of smart people, might be the most important exercise you do before the next real test arrives.

1350 | Measure What Matters

Carl Richards — Mon, 10 Nov 2025 09:26:15 -0700

In this short episode of Behavior Gap Radio, Carl reflects on how easy it is to drift into tracking the wrong metrics—the ones the world cares about, not the ones that actually matter to you. When your attention slips to measures that don’t align with your values, things get messy. The antidote is simple but essential: get clear on what matters, then measure only that.

1349 | Action Leads to Information

Carl Richards — Fri, 07 Nov 2025 05:52:53 -0700

In this Field Note episode of Behavior Gap Radio, Carl shares a real-time lesson from the chaos of airline travel during his book tour. When you’re navigating a complex adaptive system—whether it’s airports, markets, or major life decisions—the key variable is information. Carl walks through how to gather what you can, when to stop analyzing, and how to take small “micro-actions” designed to generate the highest-quality information for your next move. A short, practical reminder for anyone facing uncertainty.

1348 | Woodchips

Carl Richards — Thu, 06 Nov 2025 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl explores what he calls the discipline of more—or what he sometimes calls the bigger yes. Instead of fighting bad habits through willpower, he suggests crowding them out by filling life with things you love. From moving woodchips under a headlamp to swapping screen time for saunas and books, Carl shares how choosing a “bigger yes” creates space for what matters—and quietly leaves no room for what doesn’t.

1347 | Questions You Never Asked

Carl Richards — Wed, 05 Nov 2025 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl shares a favorite quote from explorer Rick Ridgeway: “The best journeys answer questions we never thought to ask.” He reflects on what that really means—that the purpose of a journey isn’t to chase answers, but to discover better questions along the way. Whether it’s a mountain adventure, a creative pursuit, or the quiet work of introspection, Carl asks: How can we systematically put ourselves at risk for good things to happen?

1346 | Ecological Naïveté and Money

Carl Richards — Tue, 04 Nov 2025 04:48:00 -0700

In this episode of Behavior Gap Radio, Carl introduces a phrase he’s been searching for: ecological naïveté—the idea that our instincts were perfectly suited for a world that no longer exists. Using examples from nature and investing, he explains why our ancient wiring makes us want to run from market drops and chase safety, even when we know better. The takeaway? You’re not a bad investor—you’re just human. The work isn’t to fight those instincts, but to notice them with compassion and patience.

1345 | Extreme Assumption Questioning

Carl Richards — Fri, 31 Oct 2025 04:48:00 -0600

In this Field Note episode of Behavior Gap Radio, Carl shares a simple but powerful practice: extreme assumption questioning. From $5 million sailboats to retirement goals and client meetings, he shows how many of our “facts” are really just unexamined beliefs. By treating assumptions like a game—asking, “What if this isn’t true?”—we create the space for new, creative possibilities to emerge.

1344 | The Scariest Terrain

Carl Richards — Thu, 30 Oct 2025 04:48:00 -0600

In this episode of Behavior Gap Radio, Carl explores what he calls “big stupid human tricks”—the kinds of goals that force us to grow into new people. But instead of running a marathon or climbing a mountain, he wonders if the hardest challenge might actually be internal. What if the real adventure is a silent retreat, putting your phone away, or sitting quietly with yourself? Carl reflects on how the scariest terrain to navigate isn’t out there—it’s in your own heart.

1343 | Retrospective Coherence AKA Success Porn

Carl Richards — Wed, 29 Oct 2025 04:48:00 -0600

In this episode of Behavior Gap Radio, Carl digs into a simple but unsettling truth: After the fact, randomness always looks like strategy. He unpacks the concept of retrospective coherence—our tendency to turn chaos into neat career stories—and how that illusion feeds “success porn” by hiding the messy role of luck and timing. From startups to financial advice, Carl reminds us that most of what looks like a master plan was really just stumbling into survival.

1342 | The Book!

Carl Richards — Tue, 28 Oct 2025 07:32:13 -0600

Carl’s back on Behavior Gap Radio with a quick, honest update. He shares what the past week of book launch conversations taught him about defining success, why he briefly felt like an imposter, and the big goal that matters most: more meaningful conversations about money. He also gets practical with three clear invites—book him for your show or channel, leave an Amazon review, and order a copy from your local bookstore—and previews what’s next here: putting yourself at risk, making decisions under uncertainty, and choosing which creative projects to pursue.

1341 | No. 92 "Stop Calling Jason"

Carl Richards — Mon, 13 Oct 2025 04:48:00 -0600

I’ve been wrestling with a question for years: Why do I always call Jason? Jason is a friend of mine who always affirms my ideas.

This essay and sketch was my attempt to confront confirmation bias head-on. We’re wired to seek agreement. But that’s how bad decisions happen.

In this episode of Behavior Gap Radio, I share the story behind it, and how I try to push myself to invite dissonance instead of comfort.

This sketch is #92 in the new book. It’s called Stop Calling Jason. You’ll find it in Your Money: Reimagining Wealth in 101 Simple Sketches, coming October 21, 2025.

If you want a preview, I’ve put together a beautifully designed excerpt with seven of my favorite essays and sketches.

📩 Just email hello@behaviorgap.com with the subject line "Friend of Carl" and we’ll send it to you.

You can pre-order the book now. My recommendation? Order one copy from Amazon and one from your favorite local bookstore!
• Amazon
• Local bookstores
• Bulk orders (25+ copies): Don't forget to use code YourMoney5 at checkout for an additional 5% off the already discounted bulk order pricing!

We held a special book launch conversation on September 30 with New York Times money columnist Ron Lieber.

If you missed it live, good news:
🎥 Watch the full recording here: https://www.youtube.com/watch?v=n7PEAeb4n_4&

We hope it sparks some meaningful conversations for you and those you care about.

1340 | No. 82 "Your Future Self"

Carl Richards — Tue, 07 Oct 2025 04:48:00 -0600

I’ve always been fascinated by this idea:
We feel about as much emotional connection to our future selves as we do to a stranger.

That explains a lot, doesn’t it?

It makes saving hard. It makes planning even harder.

This is one of the ideas I explore in Your Money: Reimagining Wealth in 101 Simple Sketches, coming October 21, 2025. It’s sketch #82.

Want to see more from the book?

📩 Just email me: hello@behaviorgap.com. Use the subject line "Friend of Carl" and I’ll send you 7 of my favorite sketches and essays.

You can pre-order the book now. My recommendation? Order one copy from Amazon and one from your favorite local bookstore!

Bulk orders (25+ copies): Use code YourMoney5 at checkout here for an additional 5% off the already discounted bulk order pricing.

We held a special book launch conversation on September 30 with New York Times money columnist Ron Lieber. If you missed it live, good news: 🎥 You can watch the full recording.

We hope it sparks some meaningful conversations for you and those you care about.

And remember... the more clearly we can see our future selves, the more likely we are to make choices today they’ll thank us for.

1339 | No. 76 "Alpine Style Life"

Carl Richards — Fri, 03 Oct 2025 04:48:00 -0600

There’s this old mountaineering strategy called siege style.

You drag everything up the mountain: extra oxygen, fixed ropes, backup boots, food for weeks, a team of porters.

It works. But it’s heavy. Slow. Complicated. Sometimes, it leaves a mess.

Then came a new idea: alpine style.

What’s the minimum amount of gear we can bring and still make it to the top?

It’s lighter. Faster. Riskier, maybe.

But the quality of the experience? Higher. Way higher.

So here’s my question:
Are we climbing our financial mountains using siege style or alpine style?

Because all that extra stuff—bank accounts you forgot about, old investment logins, tools you don’t use, subscriptions you meant to cancel—can start to get in the way.

It feels productive until it doesn’t.

At some point, the stuff stops adding value and starts subtracting from the experience.

This sketch is just a simple downward sloping line: More stuff = Lower quality of experience.

And if I’m honest?

Sometimes I look at my own financial setup and think…
“I might be dragging too much up the mountain.”

This sketch is #76 in the new book. It’s called Alpine Style Life. You’ll find it in Your Money: Reimagining Wealth in 101 Simple Sketches, coming October 21, 2025.

If you want a preview, I’ve put together a beautifully designed excerpt with seven of my favorite essays and sketches. 📩 Just email hello@behaviorgap.com with the subject line "Friend of Carl" and we’ll send it to you.

You can pre-order the book now. My recommendation? Order one copy from Amazon and one from your favorite local bookstore.

We held a special book launch conversation on September 30 with New York Times money columnist Ron Lieber. If you missed it live, good news: 🎥 Watch the full recording on YouTube here. We hope it sparks some meaningful conversations for you and those you care about.

1338 | No. 65 "Scary Markets Hugs"

Carl Richards — Wed, 17 Sep 2025 04:44:00 -0600

When markets get scary, most people yell: DO SOMETHING!

And most advisors respond with stats, charts, and long-term return arguments.

But that’s not what people actually need.

At least, not first.

This is a behind-the-scenes look at one of my favorite essays in my new book, Your Money: Reimagining Wealth in 101 Simple Sketches.

It’s called “Scary Markets Hugs.” Because before we talk about data and discipline, we need to talk about being human.

🎁 Want a preview of the book?
Email hello@behaviorgap.com with the subject line "Friend of Carl" and we’ll send you seven of my favorite sketches and essays in the book.

📚 Pre-order now:
My recommendation? One copy from Amazon and one from your favorite local bookstore!
• Amazon: https://www.amazon.com/Your-Money-Reimagining-Wealth-Sketches/dp/1804091715
• Local bookstores: https://bookshop.org/p/books/your-money-reimagining-wealth-in-97-simple-sketches-carl-richards/22111257?ean=9781804091715
• Bulk orders (25+ copies): Use code YourMoney5 at checkout for an additional 5% off the already discounted bulk order pricing: https://bulkbooks.com/products/your-money-reimagining-wealth-in-simple-sketches

1337 | No. 54 "The Big Mistake"

Carl Richards — Tue, 16 Sep 2025 03:08:51 -0600

Every investor has felt it.

The panic.

The urge to act.

The voice in your head saying: “Just get me out.”

This is The Big Mistake.

And if you’re not careful, it can undo years of thoughtful planning.

In this video, I share the story behind one of my favorite sketches: The Big Mistake.

This sketch and essay are #54 of 101 in my new book, Your Money: Reimagining Wealth in 101 Simple Sketches.

🎁 Want a preview of the book?
Email hello@behaviorgap.com with the subject line "Friend of Carl" and we’ll send you seven of my favorite sketches and essays in the book.

1336 | No. 45 "Something You Don't Like"

Carl Richards — Mon, 08 Sep 2025 10:07:15 -0600

This might be the simplest sketch I’ve ever made.

It’s just four shapes and one word: Diversification.

But if you’ve ever built a REAL portfolio, you know exactly what it means.

Here’s the uncomfortable truth most people miss: If you’re diversified the right way, you’ll always own something you don’t like.

In this behind-the-scenes video, I unpack why that’s true... and why it’s actually a good thing.

This sketch is part of my new book, Your Money: Reimagining Wealth in Simple Sketches, out October 2025.

🎁 Want a preview of the book?
Email hello@behaviorgap.com with the subject line "Friend of Carl" and we’ll send you seven of my favorite sketches and essays in the book.

1335 | The Discipline of Fullness

Carl Richards — Thu, 04 Sep 2025 04:48:00 -0600

In this episode of Behavior Gap Radio, Carl introduces a new framework he’s been exploring for decades: the discipline of fullness. Inspired by natural lifestyle advocate Tony Riddle’s audacious barefoot running project, Carl unpacks how living a full, intentional life isn’t about white-knuckled discipline or deprivation. Instead, it’s about filling your days with nourishing commitments—family, rest, meaningful work, movement—so there’s no space left for distractions. Tune in as Carl shares stories, analogies, and experiments to consider what it means to let fullness, not scarcity, shape your life.

1334 | The Servant of the Tool

Carl Richards — Wed, 03 Sep 2025 05:42:35 -0600

After an unplanned two-month break, Carl returns to Behavior Gap Radio with reflections on routines, streaks, and what truly matters. In this episode, he shares how stepping away revealed the difference between serving a tool and letting a tool serve you. From creative practices to daily habits, Carl explores how to use routines in ways that support a meaningful life—without losing the plot along the way.

1333 | No. 34 "Cash Flow Love"

Carl Richards — Mon, 01 Sep 2025 06:00:00 -0600

Most budgeting advice feels like punishment.

That’s how it felt to me, too... until I realized something simple but powerful:

💡 Money’s natural state is motion. That’s why we call it currency!
💡 And what really matters? Paying attention to where it’s going.

In this behind-the-scenes video, I talk about one of my favorite essays and sketches from my new book, Your Money: Reimagining Wealth in Simple Sketches.

This one is called Cash Flow Love, and it completely changed the way I think about budgeting.

If you’ve ever felt shame, guilt, or frustration when trying to manage your money, this might help you see things in a new way.

🎁 Want a preview of the book?
Email hello@behaviorgap.com with the subject line "Friend of Carl" and we’ll send you seven of my favorite sketches and essays in the book.

1332 | No. 30 "The Spending Practice"

Carl Richards — Fri, 29 Aug 2025 05:39:38 -0600

We’ve been told to spend less. Cut back. Control ourselves.

But what if we practiced spending better instead?

This is my behind-the-scenes thinking that shaped essay #30 in my new book, Your Money, coming out in October 2025. The essay is called “The Spending Practice."

This essay talks about guilt, values, and why learning to spend with intention might just be the most radical financial move you can make.

🎁 Want a preview of the book?
Email hello@behaviorgap.com with the subject line "Friend of Carl" and we’ll send you seven of my favorite sketches and essays in the book.

1331 | No. 20 "Enough Is Enough"

Carl Richards — Tue, 19 Aug 2025 09:02:38 -0600

This essay is from my new book, "Your Money: Reimagining Wealth in Simple Sketches."

It’s called “Enough Is Enough,” and in this episode, I unpack how we confuse more with better—and what it really means to have enough.

It’s a story about investing, dessert, and clarity.

Because enough can't be a number. If enough is a number, you'll never have enough. Enough is actually a state of being that we have to practice.

This is my behind-the-scenes thinking that shaped essay #20 in the new book coming out in October 2025.

This is the essay:

We don’t know when to stop.

I include myself in that.

Sometimes, I stop by the grocery store, buy a pint of ice cream, and eat it.

That’s right. The whole thing.

I’ve noticed a predictable pattern when I do this:

Bite 1: Best thing ever.
Bites 2–10: Really good.
Bites 11–15: Good.
Bites 16–20: Meh.
Bites 21+: I’m sick.

I keep repeating this experiment, hoping for a different result.

This behavior is called diminishing marginal utility. It’s not just about ice cream, but getting more of anything.

Beyond a certain point, more stops making you feel better. If you keep going, more makes you sick.

More becomes “too much.”

The secret isn’t getting more.

It’s knowing when to stop.

🎁 Want a preview of the book?
Email hello@behaviorgap.com with the subject line "Friend of Carl" and we’ll send you seven of my favorite sketches and essays in the book.

📚 Pre-order now:
My recommendation? One copy from Amazon and one from your favorite local bookstore!
• Amazon: https://www.amazon.com/Your-Money-Reimagining-Wealth-Sketches/dp/1804091715
• Local bookstores: https://bookshop.org/p/books/your-money-reimagining-wealth-in-97-simple-sketches-carl-richards/22111257?ean=9781804091715
• Bulk orders (25+ copies) — Use code YourMoney5 at checkout for an additional 5% off the already discounted bulk order pricing: https://bulkbooks.com/products/your-money-reimagining-wealth-in-simple-sketches

1330 | No. 10 "Life Meets Money"

Carl Richards — Fri, 01 Aug 2025 05:49:54 -0600

This essay might be one of the most important from my new book, "Your Money: Reimagining Wealth in Simple Sketches."

It’s called "Life Meets Money" and it’s about what really drives good financial decisions. Not markets. Not headlines. But the messy, human stuff underneath: goals, timing, fear, meaning.

This is my behind-the-scenes thinking that shaped essay #10 in the new book coming out in October 2025.

This is the essay:

Good financial decisions happen at the intersection of what’s going on in your life and what’s going on in the markets and the economy.

We start with a simple question. Then we get into the details, the nuances, the exceptions and trade-offs. Suddenly, things get very complicated.

It’s complicated because two complex forces collide: your life and the markets. That intersection is where every good financial decision is made.

🎁 Want a preview of the book?
Email hello@behaviorgap.com with the subject line "Friend of Carl" and we’ll send you 7 of my favorite sketches and essays in the book.

📚 Pre-order now:
My recommendation? One copy from Amazon, one from your favorite local bookstore!
• Amazon: https://www.amazon.com/Your-Money-Reimagining-Wealth-Sketches/dp/1804091715
• Bulk orders (25+ copies) — Use code YourMoney5 at checkout for an additional 5% off the already discounted bulk order pricing: https://bulkbooks.com/products/your-money-reimagining-wealth-in-simple-sketches

1329 | The Minimum Effective Dose of Money

Carl Richards — Thu, 10 Jul 2025 04:48:00 -0600

In this episode, Carl asks a provocative question: What’s the minimum effective dose of money? Just like medicine or exercise, more isn’t always better, and sometimes it’s harmful. Instead of chasing endless income, Carl invites us to define the results we actually want—freedom, security, joy—and then ask: What’s the least amount of money needed to get there? Because maybe the most radical act in a world obsessed with more is to say, “That’s enough”… and mean it.

1328 | The Comparison Audit

Carl Richards — Wed, 09 Jul 2025 04:48:00 -0600

In this episode, Carl shares three quick stories—a successful entrepreneur feeling like a failure, a heartfelt compliment from his daughter, and a wildly accomplished friend still stuck in comparison. The punchline? Comparison is the thief of joy. But unlike most thieves, this one can be stopped. Carl invites you to join him in a “comparison audit” by asking: Who are you letting on your mental scoreboard—and why?

1327 | The New Superpower: General Resilience

Carl Richards — Tue, 08 Jul 2025 04:48:00 -0600

In this episode, Carl explores the quiet panic so many of us are feeling about the future, especially young adults and the parents who love them. From canceled programs to crumbling plans, what do you do when the ground keeps shifting? Carl makes the case for a new kind of planning, one rooted not in certainty but in resilience. Not prepping for one disaster but building a foundation that helps you ride whatever wave comes next.

1326 | Connection Is the New Luxury

Carl Richards — Mon, 07 Jul 2025 10:08:10 -0600

In a world of AI-generated books, endless content, and virtual everything… maybe the rarest thing isn’t more information—it’s real human connection. In this episode, Carl asks a provocative question: What if the answer isn’t to become more like a machine, but more like a human?

Because connection—the kind that happens face-to-face, heart-to-heart—is becoming increasingly rare… and increasingly valuable.

Connection is the new luxury.

1325 | Independent, But Not Alone

Carl Richards — Fri, 04 Jul 2025 04:48:00 -0600

What does independence really mean? In this special Independence Day episode of Behavior Gap Radio, Carl unpacks the myth of the self-made person and explores the deeper truth: Real freedom isn’t about doing it all alone. It’s about knowing when to stand on your own—and when to lean on others.

1324 | Money Is a Cheap Shortcut

Carl Richards — Thu, 03 Jul 2025 04:48:00 -0600

What if money is just a cheap shortcut? In this episode of Behavior Gap Radio, Carl shares a story about grandma’s dinner and explores the deeper forms of value we often overlook—like friendship, generosity, and shared purpose. Sometimes writing a check is the easy way out. But what if there’s something more valuable than money?

1323 | Organizing Our Lives Around Money

Carl Richards — Wed, 02 Jul 2025 04:48:00 -0600

What’s at the center of your life? In this episode of Behavior Gap Radio, Carl explores the idea that, for many of us, money has quietly become the organizing principle around which everything else revolves. But what if we chose something else? Family? Time? Meaning? It's worth asking.

1322 | Be Less Normal

Carl Richards — Tue, 01 Jul 2025 04:48:00 -0600

What if the problem isn’t you—it’s what we’ve been told is normal? In this episode of Behavior Gap Radio, Carl challenges our deeply held assumptions about money, enoughness, and the quiet madness of chasing what everyone else is chasing. Maybe the real goal is to be a little less normal… and a little more weird.

1321 | But Wait… What's the Burn Rate of the Fire?

Carl Richards — Mon, 30 Jun 2025 04:48:00 -0600

In this episode, Carl revisits his favorite money metaphor—gathering wood for a fire—and adds a new layer: What kind of fire are you building? A small cabin fire or a 10,000-square-foot mountain lodge bonfire? The size of the fire changes everything. From burn rate to outflow, Carl explores how the metaphors we use shape the way we think about money and invites you to send him your own.

1320 | The Mirror and the Scoreboard

Carl Richards — Fri, 27 Jun 2025 04:48:00 -0600

In this episode, Carl explores the subtle but dangerous shift from treating money as a scoreboard to letting it become a mirror. When net worth stops being just a business metric and starts reflecting our fears, stories, and sense of self-worth, things get messy. What if the number isn’t telling you how you’re doing—but who you think you are?

1319 | The Greatest Money Trick

Carl Richards — Thu, 26 Jun 2025 04:48:00 -0600

In this episode, Carl flips the script on everything we think we want from money. We don’t actually want money—we want what we think it will give us: safety, love, approval, and enoughness. And here’s the twist: you can feel those things before the numbers change. What if money isn’t the enemy or the goal… but the trick that wakes us up from the collective delusion we’ve been living in?

1318 | Money and Mistaken Belief

Carl Richards — Wed, 25 Jun 2025 07:43:12 -0600

In this episode, Carl challenges one of the deepest money myths out there: Money will finally make us feel safe, happy, or whole. He shares a core idea from his new book: You’re not bad with money, you’re just asking it to do the wrong job. From personal stories to a powerful quote by Austin Kleon, Carl unpacks how our suffering around money often stems from mistaken beliefs, not money itself. What if changing those beliefs could change everything?

1317 | Gather More Wood

Carl Richards — Mon, 23 Jun 2025 16:38:38 -0600

In this adventure journal episode, Carl shares a thought experiment that starts in a quiet cabin and ends with a radical reframing of how we think about money. What if money were like firewood—just fuel to keep things going? Not something to hoard, fear, or worship, but something to gather when needed, use wisely, and share freely. This isn't just a mindset shift—it's a new way of being. One rooted in trust, not scarcity.

1316 | The Game We Can't Stop Playing

Carl Richards — Fri, 20 Jun 2025 04:48:00 -0600

In this episode, Carl shares a raw segment from his new one-man show, built around two painfully honest sketches about envy and comparison. He reflects on the unspoken rules of the money game we all play—and what happens when someone dares to break them. From beaten-up minivans to Instagram-fueled status anxiety, this one’s about the stories we tell, the ones we’re afraid to admit, and the quiet power of saying four simple words: We can’t afford it.

1315 | What Is Money, Anyway?

Carl Richards — Thu, 19 Jun 2025 09:45:33 -0600

In this episode, Carl shares a raw, in-progress segment from his upcoming keynote. What if money is just a story we’ve all agreed to believe? A religion we all follow but no one admits to praying to? From Martians to mortgages, Carl invites us to step back and ask: When did we give money so much power?

1314 | Money as an Agent of Chaos

Carl Richards — Wed, 18 Jun 2025 16:29:06 -0600

In this episode of Behavior Gap Radio, Carl returns from an accidental hiatus with a vulnerable reflection on why he keeps making the show—and why it matters that you share it. He relays a powerful idea from his recent conversation with author Austin Kleon: Money, up to a certain point, acts as a stabilizing force, but beyond that, it becomes an agent of chaos. If money walked into the room, what would you ask it?

1313 | Deep Shift Ep. 3

Carl Richards — Mon, 09 Jun 2025 04:48:00 -0600

In this episode of the Deep Shift series, Carl explores how tactical curiosity—like obsessing over budgeting apps or fueling strategies—often hides something deeper. What starts as a surface-level decision can lead to a powerful emotional insight. Maybe it's not about interest rates… maybe it's about fear, identity, or old family patterns. Carl walks us through why it’s easier to talk spreadsheets than shame—and how simply asking, “Why are you asking?” can crack open the truth.

1312 | Deep Shift Ep. 2

Carl Richards — Fri, 06 Jun 2025 04:48:00 -0600

In episode two of the Deep Shift series, Carl names the chase we all know too well: tactical curiosity. The frantic hunt for the perfect app, book, or tool isn’t really about solutions—it’s often a way to avoid the deeper, scarier questions. This episode invites you to pause the chase and ask, “What am I really trying to solve for?” Because awareness—not another download—is where real change begins.

1311 | Deep Shift Ep. 1

Carl Richards — Thu, 05 Jun 2025 04:48:00 -0600

In this first episode of a new series, Carl introduces the Deep Shift framework—his attempt to map the real journey of change. It’s not about picking the right tactic or finding more information, it’s about uncovering what’s blocking the doing. From tactical curiosity to deep ritual, Carl explores why lasting change starts below the surface… and invites you to walk through it with him.

1310 | Be The Wise Money Friend

Carl Richards — Wed, 04 Jun 2025 04:48:00 -0600

In this wrap-up to the Your Wise Money Friend series, Carl shares where the idea came from and why it matters. People don’t want another financial plan—they want to feel okay. They want someone to walk with, someone who listens with golden-retriever-level curiosity. In this episode, Carl challenges us to become that kind of friend: no agenda, no judgment, just love, presence, and deep curiosity. Turns out you don’t need to know anything about money to be a wise money friend. You just have to care.

1309 | A Wise Money Friend Holds the Mirror Gently

Carl Richards — Tue, 03 Jun 2025 04:48:00 -0600

In the final episode of the Your Wise Money Friend series, Carl reflects on what it means to hold the mirror gently. A wise money friend helps you see what’s really there—not with blame, but with compassion. It’s that rare mix of an empathetic hug and a well-timed kick in the butt. Because real clarity doesn’t come from shame—it comes from being seen, kindly.

1308 | A Wise Money Friend Asks Better Questions

Carl Richards — Mon, 02 Jun 2025 04:48:00 -0600

In episode nine of the Your Wise Money Friend series, Carl highlights a defining trait of true support: Instead of rushing to give answers, instead asking better questions. The kinds of questions that invite reflection, spark clarity, and open doors. Because real change doesn’t come from advice, it starts with curiosity.

1307 | A Wise Money Friend Doesn’t Have an Agenda

Carl Richards — Fri, 30 May 2025 04:48:00 -0600

In this episode of the Your Wise Money Friend series, Carl shares a simple but rare truth: A wise money friend doesn’t have an agenda. They’re not selling, fixing, or convincing. They’re just fully present—genuinely invested in your clarity. Once you’ve felt that kind of presence, you don’t forget it… and you stop settling for anything less.

1306 | A Wise Money Friend Believes You’re Enough

Carl Richards — Thu, 29 May 2025 04:48:00 -0600

In this episode, Carl continues the Your Wise Money Friend series with a powerful reminder: A wise money friend believes you are enough—even when you feel like you’ve screwed everything up. They don’t excuse your mistakes, they restore your dignity. Because real change doesn’t come from shame, it comes from remembering who you are.

1305 | A Wise Money Friend Doesn’t Judge the Dream

Carl Richards — Wed, 28 May 2025 04:48:00 -0600

In episode six of Your Wise Money Friend, Carl explores what it means to honor someone's dreams—big, small, wild, or vague—without judgment. A wise money friend doesn’t roll their eyes or ask, “When are you going to get a real job?” They lean in and say, “Tell me more.” This episode is about learning to hold space for dreams—our own and others’—with curiosity, not criticism. Because dreaming isn’t naive, it’s trust.

1304 | A Wise Money Friend Respects Your Timing

Carl Richards — Tue, 27 May 2025 04:48:00 -0600

In episode five of Your Wise Money Friend, Carl reflects on how true wisdom isn’t pushy. A wise money friend doesn’t rush your process or pressure your decisions—they wait with you. Because they know money decisions are rarely urgent, and often about something much deeper: identity, emotion, and transition.

1303 | A Wise Money Friend Helps You Pause

Carl Richards — Mon, 26 May 2025 04:48:00 -0600

In episode four of Your Wise Money Friend, Carl shares how a wise money friend helps you pause, not to stop you, but to give you space. Space between the impulse and the action. Space to breathe, to feel, and to choose. Because the point isn’t control—it’s clarity. And that little pause? That’s where alignment begins.

1302 | A Wise Money Friend Knows It’s All Connected

Carl Richards — Fri, 23 May 2025 04:48:00 -0600

In episode three of Your Wise Money Friend, Carl reminds us that to a wise money friend, your story is never just about money. They listen between the lines—because behind every financial decision is something deeper: fear, joy, dreams, love. A wise money friend knows it’s all connected, and that’s where the real conversation begins.

1301 | A Wise Money Friend Is Curious, Not Correct

Carl Richards — Thu, 22 May 2025 04:48:00 -0600

In episode two of Your Wise Money Friend, Carl explores the idea that wisdom isn’t about being right—it’s about being present. A wise money friend won’t hand you a to-do list or correct your choices. Instead, they ask the deeper questions that help you see yourself more clearly. Because the goal isn’t certainty, it’s clarity.

1300 | A Wise Money Friend Doesn’t Shame You

Carl Richards — Wed, 21 May 2025 04:48:00 -0600

In this special 1,300th episode, Carl kicks off a new series called Your Wise Money Friend. Episode one starts with a simple but powerful idea: A wise money friend doesn’t shame you. They don’t scold, lecture, or judge—they lean in with curiosity. Instead of asking, “Can you afford it?” They ask, “Tell me more.” Because real wisdom isn’t about telling you what to do—it’s about helping you explore why.

1299 | Wise Money Friend Intro

Carl Richards — Tue, 20 May 2025 04:48:00 -0600

In this kickoff episode, Carl introduces a new series called Your Wise Money Friend—a collection of short, gentle reflections to help you pause, notice your money patterns, and choose on purpose. No hype. No shame. Just tiny moments of clarity, like a quiet walk with someone who really gets it. Because money isn’t just math, it’s meaning.

1298 | What Did You Feel?

Carl Richards — Mon, 19 May 2025 04:48:00 -0600

It’s not about what you spent—it’s about what you felt. In this field episode from Los Angeles, Carl shares a shift in how he thinks about money decisions. Whether it’s a new truck or a fancy coffee, the real question isn’t “Can you afford it?” It’s “What are you hoping this will do for you?” Because every financial choice has a feeling underneath it—and that’s where the real insight lives.

1297 | The Spending Practice

Carl Richards — Fri, 16 May 2025 04:48:00 -0600

Money isn’t math—it’s practice. In this episode, Carl reframes every financial decision as a chance to get more aligned with who you really are. Not perfect. Just intentional. Not based on someone else’s rules, but rooted in your own values. One choice at a time.

1296 | Transaction to Transformation

Carl Richards — Thu, 15 May 2025 04:48:00 -0600

What if every transaction became a moment of transformation? In this episode, Carl asks what would happen if your values showed up not after you spend, but right before—before the tap, the click, the buy. Because every transaction builds your story, and with one simple pause, you can start writing it on purpose.

1295 | Embedding Values Into Transactions

Carl Richards — Wed, 14 May 2025 04:48:00 -0600

What if every transaction was a chance to practice your values? In this episode, Carl explores how even the smallest purchases—coffee, groceries, flights—can move from invisible habits to intentional choices. This isn’t about spending less. It’s about spending in alignment, where your money reflects the life you actually want to live.

1294 | The Feeling of a Transaction

Carl Richards — Tue, 13 May 2025 04:48:00 -0600

So much of what we do with money is just autopilot—spend, save, stress, repeat. In this episode, Carl invites us to slow down, feel the pattern, and create space between the trigger and the choice. Because clarity doesn’t live in someone else’s advice—it lives in the feeling between the pattern and the pause.

1293 | Installed by Accident

Carl Richards — Mon, 12 May 2025 05:48:00 -0600

Most people didn’t choose their relationship with money—it was installed by accident. In this short episode, Carl unpacks how our money stories get shaped by childhood, culture, and random moments… and how those unexamined stories still run the show. The good news? You can rewrite the code.

1292 | If Your Banking App Had a Soul

Carl Richards — Fri, 09 May 2025 04:48:00 -0600

In this episode of Behavior Gap Radio, Carl invites us to imagine a different kind of financial tool—one with a soul. Instead of pushing speed and convenience, what if your banking app paused to ask, “Is this you? Is this what you really want?” Not to judge, but to remind. What if every purchase included a breath—a moment of alignment? Soul and humanity at the center of your spending.

1291 | Rewrite the Code

Carl Richards — Thu, 08 May 2025 04:48:00 -0600

In this episode of Behavior Gap Radio, Carl reframes the idea of “managing money” by asking a bold question: What if the real work isn’t about money at all? What if it’s about rewriting the invisible code running in the background—those old stories, patterns, and emotions driving your decisions? Because let’s be honest… you don’t need another budget. You need better code.

1290 | You Don’t Need More Financial Advice

Carl Richards — Wed, 07 May 2025 04:48:00 -0600

In this episode of Behavior Gap Radio, Carl challenges the endless flood of financial advice by asking a deeper question: What if the problem isn’t that you don’t know what to do, but that you don’t know why you keep doing something else? Real change doesn’t come from another tip or trick—it comes from awareness. From pausing long enough to get underneath the behavior and uncover the belief driving it. That’s the shift, from advice to transformation.

1289 | Insight Instead of Shame

Carl Richards — Tue, 06 May 2025 04:48:00 -0600

In this episode of Behavior Gap Radio, Carl continues exploring the idea of an emotional operating system for your financial life by asking: What if money is a mirror? A mirror that reflects not just numbers, but your fears, values, upbringing, and culture. Most of us were handed that mirror without ever being taught how to look into it, so we flinch, avoid, or judge. But what if we could learn to look with curiosity instead of shame? That’s the work.

1288 | Emotionally Loaded

Carl Richards — Mon, 05 May 2025 11:03:12 -0600

In this episode of Behavior Gap Radio, Carl introduces the idea he’s been wrestling with for nearly two decades: building an emotional operating system for your financial life. Money isn’t just numbers—it’s loaded with meaning, emotion, and identity. From love to shame and status to fear, Carl explores why money keeps us up at night and why asking how it feels might matter more than any spreadsheet ever could.

1287 | More Money, More Possibility?

Carl Richards — Fri, 02 May 2025 01:07:00 -0600

We’ve all heard it: “More money, more problems.” But what if that’s only one way to see it? In this episode, I share a conversation with Rabbi Shira Stutman that helped shift my perspective from viewing money as a burden to seeing it as a tool for possibility. It’s a simple lens change… but it might just change everything, especially if you’ve ever felt guilty, ashamed, or stressed about wanting more.

This isn’t just about money.

It’s about how we see the world:

Problems… or possibilities?

1286 | Certainty Sounds Like Shouting

Carl Richards — Thu, 01 May 2025 01:03:00 -0600

A real email exchange about a home repair gone wrong reveals something deeper: how writing without curiosity—especially when we’re certain we’re right—can turn a simple message into emotional kindling.

1285 | You’re the Bottleneck (And That’s Good News)

Carl Richards — Wed, 30 Apr 2025 01:07:00 -0600

If you're frustrated by bottlenecks in your projects, teams, or creative work... look closer. It might be you. In this episode, Carl shares why that's actually good news—and how entrepreneurship, at its best, is a brutal but beautiful path to personal growth.

1284 | More Money Won't Fill the Hole

Carl Richards — Tue, 29 Apr 2025 01:00:00 -0600

We all say money can't buy happiness. But deep down, are we hoping it can remove our unhappiness? In this episode, Carl flips the script—and asks what hole we're really trying to fill.

1283 | What Are You Solving For?

Carl Richards — Mon, 28 Apr 2025 21:41:10 -0600

In this episode of Behavior Gap Radio, Carl explores a deceptively simple question: What are you solving for? Whether it’s a mountain bike race, a business idea, or a client conversation, knowing the answer shapes everything—your tools, your preparation, and even your motivation. Carl shares how asking this question (and noticing when the answer changes) has guided his life over the past few years—and how it might do the same for you.

1282 | Into the Fire

Carl Richards — Fri, 25 Apr 2025 01:02:00 -0600

In this episode of Behavior Gap Radio, Carl takes us inside a classroom exercise that never fails to surprise him—and might surprise you, too. What’s the first thought or feeling that comes to mind when you see a dollar sign? From dumpster diving as a kid to growing up surrounded by wealth but told “we’re not like them,” Carl shares powerful stories about the money scripts we carry. This episode is an invitation to notice the story, feel the emotion, and maybe even write it down and throw it in the fire.

1281 | Stop Hoping for a Better Past

Carl Richards — Thu, 24 Apr 2025 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl shares a quote that hit him like a ton of bricks: “Sooner or later, you’re going to have to give up all hope for a better past.” What does that mean when it comes to money? A lot, actually. Carl dives into how we carry old stories—some ours, some inherited—and how they quietly shape our present. This one’s an invitation to drop the stick, stop rewriting the past, and finally move forward with clarity and compassion.

1280 | Rise Above It

Carl Richards — Wed, 23 Apr 2025 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl shares a sketch—and a story—from his upcoming book, Your Money: Reimagining Wealth Through Simple Sketches, about the power of perspective. Whether it’s a rafting trip gone sideways or a financial challenge that feels overwhelming, sometimes the only way through is up. Carl invites us to rise above the chaos—walk the riverbank, take a breath, talk to a friend—and see the forest, not just the trees.

1279 | Don’t Throw in the Towel

Carl Richards — Tue, 22 Apr 2025 01:00:00 -0600

Feeling stuck in a loop? Like every day is just… the same? In this episode, Carl explores what happens when purpose goes missing—and why the smallest spark can change everything. From “bullshit jobs” to freshman soccer referees, this one’s about reclaiming meaning in ordinary moments. You don’t need a big dramatic change. But you do need to decide not to throw in the towel.

1278 | Would You Die for It… or Just Do the Dishes?

Carl Richards — Mon, 21 Apr 2025 07:50:14 -0600

What’s more heroic—dying for something or living for it? In this episode of Behavior Gap Radio, Carl explores why it’s often harder (and more meaningful) to show up in the quiet, inconvenient moments than it is to make one grand gesture. From NBA legend John Stockton’s quiet consistency to the daily act of texting a grieving friend, this is a reminder that true courage might just be found in the boring stuff… like doing the dishes.

1277 | Find Your Fire

Carl Richards — Fri, 18 Apr 2025 01:07:00 -0600

Ever felt that spark when watching someone do something incredible—like you're catching a glimpse of pure passion in action?

That feeling isn't random. It's a clue, a breadcrumb, guiding you toward what makes you come alive. In this episode of Behavior Gap Radio, Carl reveals exactly how to decode these moments, uncover your own passion, and turn inspiration into action.

Because the world doesn't need more people just getting by—it needs you to Find Your Fire.

1276 | Expect Feelings

Carl Richards — Thu, 17 Apr 2025 01:08:00 -0600

Ever grab an electric fence? Carl has—and he says that’s exactly what money conversations can feel like when we don’t expect emotions. In this short episode of Behavior Gap Radio, he shares one simple idea that might change how you talk about money forever: expect feelings. Because money isn’t just numbers… it’s identity, power, fear, and love. When you expect the emotional charge, you won’t be shocked. You’ll be ready.

1275 | Sensations Over Stories

Carl Richards — Wed, 16 Apr 2025 01:01:00 -0600

Ever found yourself spiraling into a story before you even know what’s happening? In this episode of Behavior Gap Radio, Carl shares a powerful tool he picked up from a conversation with Henry Shukman: SOS—Sensations Over Stories. When money decisions trigger anxiety, the key isn’t to analyze the story… it’s to drop into the body. Carl unpacks how this simple practice of noticing sensations can shift everything—even if the facts stay the same.

1274 | One Square Inch of Solid Ground

Carl Richards — Tue, 15 Apr 2025 01:02:00 -0600

When life feels out of control—markets crashing, job uncertainty, financial stress—Carl shares the most reliable response: a flight to simplicity. In this episode of Behavior Gap Radio, he explains how shrinking the problem and focusing on what you can control (even something as small as a single breath) helps restore calm and clarity. It's not about fixing everything. It's about finding solid ground—one square inch at a time—and starting from there.

1273 | The Practice Is the Point

Carl Richards — Mon, 14 Apr 2025 01:02:00 -0600

Ever nailed your morning routine only to find yourself doom-scrolling by 2:47 p.m.? In this episode of Behavior Gap Radio, Carl unpacks why we fall off track—even when we know better—and how the real solution isn’t a hack or shortcut… it’s practice. The kind that stings. The kind that invites us to notice, realign, and try again. Again and again. This is about treating creative work—and entrepreneurship—as a spiritual practice. One where the noticing is the win, the fall never ends, and the way forward is simple (but not easy): practice.

1272 | What Are You Waiting For?

Carl Richards — Fri, 11 Apr 2025 01:02:00 -0600

In this episode of Behavior Gap Radio, Carl explores the strange magic of urgency and asks a simple question: What are you waiting for? Whether it’s sending that email, raising your fees, or finally writing the thing you’ve been thinking about for years, the time between idea and action doesn’t have to be so long. Carl shares real stories—his own and those of others—to show how much time we waste waiting for the “right” moment. Spoiler: This is your sign. Do the thing.

1271 | The One Thing That Changes Everything (About Your Money Decisions)

Carl Richards — Thu, 10 Apr 2025 01:02:00 -0600

In this episode of Behavior Gap Radio, Carl shares his most tactical money decision-making tool: the Financial Pause. Forget budgets and spreadsheets—this is about noticing what you're feeling before you act. Carl walks through a four-step process that starts with tuning into your body and ends with making choices from a calm, centered place. It’s simple, powerful, and might just save you from making a financial decision you’ll regret.

1270 | Questions, Not Advice

Carl Richards — Wed, 09 Apr 2025 01:00:00 -0600

In this gentle reminder from Behavior Gap Radio, Carl shares what to do when someone comes to you feeling nervous, scared, or uncertain—and thinks action is the answer. Instead of rushing to give advice, Carl encourages us to slow down, lead with empathy, and ask thoughtful questions. Because often, the wisest answers come not from us but from the person sitting across from us—if we’re willing to create the space for them to emerge.

1269 | The Market Didn't Make You Scared

Carl Richards — Tue, 08 Apr 2025 07:57:15 -0600

In this quiet but powerful episode of Behavior Gap Radio, Carl shares a simple phrase that might just rearrange the furniture in your brain: We live in the feeling of our thinking. Not our circumstances. Not the email. Not the number on the statement. Carl unpacks how noticing our thoughts—not fixing or fighting them—can shift everything. It’s not self-help. It’s not mindset hacks. It’s just awareness. And it changes things.

1268 | We Are Wasting Our Lives

Carl Richards — Mon, 07 Apr 2025 01:02:00 -0600

In this episode of Behavior Gap Radio, Carl comes in hot with a wake-up call about the hidden cost of distractions. He shares shocking stats about how often we're interrupted, how much time we lose to switching tasks, and why most knowledge workers only get two hours of deep work a day—on a good day. But this isn't just finger-pointing. It's Carl confronting his own habits and offering two tiny experiments to help us all reclaim our time: install RescueTime and schedule just two 90-minute distraction-free work blocks. No shame. No blame. Just a deep, empathetic punch in the nose—and a hug.

1267 | The Time Illusion

Carl Richards — Fri, 04 Apr 2025 01:02:00 -0600

In this episode, Carl takes on the wild, stretchy nature of time—why we can procrastinate for months on a task that only takes minutes. He explores Parkinson’s Law, the mental weight of unfinished tasks, and the surprising productivity gains of adding constraints. With practical tools like the two-minute rule and a three-hour workday experiment, Carl invites you to test the "time illusion" for yourself and reclaim your attention, energy, and calendar.

1266 | Luck-Based Games

Carl Richards — Thu, 03 Apr 2025 01:02:00 -0600

In this episode, Carl explores a powerful framework for navigating creative and financial risk: understanding whether you're playing a luck-based or skill-based game. Drawing on insights from Michael Mauboussin’s book, The Success Equation, Carl explains why sharpening your decision-making process is essential in luck-driven environments—like markets or venture capital—while skill-building is key in more predictable terrain. Knowing the difference just might change the way you approach your next big move.

1265 | It Didn't Occur to Me

Carl Richards — Wed, 02 Apr 2025 01:00:00 -0600

In this episode, Carl shares a personal experiment in breaking free from the “dopamine machine”—those tempting websites and distractions that quietly steal our time. He talks about using defensive measures like locking down access, creating space between stimulus and response, and replacing old habits with more meaningful activities. Along the way, he reflects on meditation, addiction, and the surprising power of simply noticing what we feel instead of trying to suppress it.

1264 | The Greatest Risk

Carl Richards — Tue, 01 Apr 2025 01:02:00 -0600

In this episode, Carl explores what he believes is the greatest risk of all—not failure, but waking up one day and realizing we haven’t been the person we hoped to be. He reflects on daily regrets, the subtle ways distraction can derail our intentions, and why ignoring that quiet sense of misalignment only makes it worse. Most importantly, he offers a gentle reminder: notice the feeling, use it to course-correct, and begin again.

1263 | Residual Risk

Carl Richards — Mon, 31 Mar 2025 01:07:00 -0600

In this episode, Carl dives into one of his most-quoted ideas: "Risk is what's left over after you think you've thought of everything." He unpacks the concept of residual risk, why it matters in everything from investing to skiing, and how small, safe-to-fail actions can help us navigate uncertainty. Plus, he explores the idea of general resilience—the kind of strength that helps you deal with the unknown unknowns.

1262 | If You're Scared, Make It Smaller

Carl Richards — Fri, 28 Mar 2025 01:02:00 -0600

In this episode of Behavior Gap Radio, Carl shares a simple but powerful idea: When something feels too scary—whether it’s launching a business, writing a book, or making a big change—just make it smaller. He introduces the concept of microactions: tiny steps that feel almost too small to matter but are exactly what we need to get unstuck and start moving.

1261 | A Flight to Simplicity

Carl Richards — Thu, 27 Mar 2025 01:02:00 -0600

In this episode of Behavior Gap Radio, Carl shares a powerful mindset for navigating uncertainty—whether it’s a looming recession or just a vague feeling of unease. Borrowing from his backcountry experience, he introduces the idea of a “flight to simplicity” as a way to reduce exposure to risk. From creative businesses to household budgets, Carl walks through practical ways to make things simpler, delay big decisions, and regain clarity—especially around the margins.

1260 | No One Is Asking for It

Carl Richards — Wed, 26 Mar 2025 01:02:00 -0600

In this episode of Behavior Gap Radio, Carl explores the terrifying beauty of doing work no one asked for. He challenges the conventional path of chasing demand and instead makes a case for following the quiet compulsion to create—especially when it feels scary, uncertain, or totally invalidated. If you’ve ever felt called to make something simply because it lights you up, this one's for you.

1259 | A Lot of Thinks

Carl Richards — Tue, 25 Mar 2025 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl questions the very idea of financial "problems." What if most of what we worry about isn’t actually a problem at all—just imagined futures that may never happen? He explores how shifting our mindset (and maybe even our language) can help us stop spinning in thought and start doing the simple things that actually move us forward.

1258 | The Overnight Test

Carl Richards — Mon, 24 Mar 2025 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl shares one of the most powerful tools he's ever created: The Overnight Test. Through stories of stocks, cabins, businesses, and even old clothes, Carl explores how this simple mental exercise helps reveal when we’re making emotional decisions disguised as financial ones. If you’ve ever struggled to let go of something—just because it’s always been there—this one’s for you.

1257 | Expensive Way to Find Out Who You Are

Carl Richards — Fri, 21 Mar 2025 01:01:00 -0600

In this short and powerful episode of Behavior Gap Radio, Carl offers just one thought—“If you don’t know who you are, money is a very expensive way to find out.” Then he invites you to sit with it. No answers, no unpacking—just space to let the idea settle and do its work.

1256 | Kind, True, Necessary

Carl Richards — Thu, 20 Mar 2025 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl reflects on the challenge of communicating hard truths with people we care about. Inspired by a principle from Buddhism, he explores the delicate balance between saying what is kind, true, and necessary. Through personal stories and honest introspection—especially around parenting—Carl unpacks how even well-intentioned kindness can sometimes be a misapplied avoidance of discomfort. This episode is a thoughtful invitation to approach tough conversations with clarity, courage, and compassion.

1255 | You Can't Hedge Yesterday

Carl Richards — Wed, 19 Mar 2025 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl reads a new essay from his upcoming book, Your Money: Reimagining Wealth Through Simple Sketches. The essay is titled You Can’t Hedge Yesterday, and it uses a simple circle sketch to illustrate a powerful truth: The time to prepare is before the crisis, not after. Carl reflects on how we often react to past events with elaborate solutions that can’t change what’s already happened—and why true resilience comes from preparation, not panic.

1254 | The Search for Your Identity

Carl Richards — Tue, 18 Mar 2025 01:02:00 -0600

In this episode of Behavior Gap Radio, Carl explores what Henry Shukman calls the fundamental investigation of a lifetime: the search for our identity. Drawing from Shukman’s book One Blade of Grass, Lao Tzu’s wisdom, and reflections from thinkers like David Whyte and Jim Collins, Carl unpacks the power of asking, "Who am I? and What do I want?" He shares how this practice can create distance from reactive emotions, like grumpiness, and helps align our time, energy, and money with what truly matters.

1253 | Beast of Burden

Carl Richards — Mon, 17 Mar 2025 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl shares a deeply personal story about a recent argument with his wife over money—one sparked by the language he used. He unpacks how the phrase "beast of burden" shaped his mindset around financial pressure, risk, and creative work, and how words carry unintended weight in conversations about money. Through this reflection, Carl explores the power of language, the emotional charge behind financial discussions, and the importance of reexamining the narratives we tell ourselves.

1252 | What Do You Desire?

Carl Richards — Fri, 14 Mar 2025 01:01:00 -0600

What do you truly want? In this episode of Behavior Gap Radio, Carl Richards continues the conversation on the two fundamental questions that shape financial decisions—and life itself: Who are you? And what’s important to you? He explores how our desires evolve, how cultural and social influences shape what we think we want, and why living with these questions (rather than rushing to answer them) leads to better-aligned choices. If you’ve ever felt pulled in different directions by expectations, trends, or habits, this episode is for you.

1251 | Who Are You?

Carl Richards — Thu, 13 Mar 2025 01:07:00 -0600

At the heart of real financial planning—and a meaningful life—are two fundamental questions: Who are you? And what do you desire? In this episode of Behavior Gap Radio, Carl Richards explores why the practice of digging into these questions is essential for making financial decisions that truly align with your values. Without clarity on what matters most, it’s easy to get distracted by fleeting opportunities and trends. But when you have a deep, personal yes, saying no to the wrong things becomes much easier.

1250 | Rise Above It

Carl Richards — Wed, 12 Mar 2025 01:02:00 -0600

Sometimes, the best way to navigate chaos is to step back and see the bigger picture. In this episode of Behavior Gap Radio, Carl shares an essay from his upcoming book, Your Money: Reimagining Wealth Through Simple Sketches. Inspired by a rafting trip on the Salmon River, he explores how gaining perspective—whether through a walk, a conversation, or a moment of stillness—can transform confusion into clarity. When we rise above our problems, we see options instead of obstacles.

1249 | Actively Doing Nothing

Carl Richards — Tue, 11 Mar 2025 01:01:00 -0600

What does it really mean to do nothing? In this episode of Behavior Gap Radio, Carl shares a personal story about an intervention from a close friend who insisted he take a week to do nothing—no work, no frantic activity, just stillness. But how do you do nothing? And why does it feel so hard? Carl explores the tension between productivity and presence, the challenge of stepping away from the constant drive to create, and why intentionally doing nothing might just be the ultimate productivity hack.

1248 | Do Nothing

Carl Richards — Mon, 10 Mar 2025 01:07:00 -0600

Sometimes, the most valuable thing you can do is… nothing. In this episode of Behavior Gap Radio, Carl explores the fascinating paradox of inaction—why doing nothing is often the smartest move, especially in investing. A well-crafted portfolio doesn’t need constant tinkering, and great advice sometimes means telling clients to sit tight. But here’s the twist: Getting to a place where you can confidently do nothing takes real work.

1247 | The Paradox of Attention

Carl Richards — Fri, 07 Mar 2025 01:02:00 -0700

Attention is the most valuable resource we have—and yet, it's one of the easiest to waste. In this episode, Carl shares a riddle from The Zen of Climbing and explores how we spend, waste, or invest our attention. Whether it’s business, creativity, or simply being present, where we direct our focus shapes everything. So, how are you investing yours?

1246 | The Other Side of Complexity

Carl Richards — Thu, 06 Mar 2025 01:02:00 -0700

Simple doesn’t mean simplistic. In this episode, Carl shares an essay from his upcoming book, exploring the journey from complexity to elegant simplicity. Whether it’s investing, budgeting, or mastering a craft, the real challenge isn’t adding more layers—it’s stripping away the unnecessary. Why do we resist simple solutions? And how do we move through complexity to find clarity?

1245 | The Value of Venting

Carl Richards — Wed, 05 Mar 2025 01:02:00 -0700

Sometimes, you just need to vent. In this episode, Carl explores the value of blowing off steam—the importance of safe spaces, good friends, and moments where you can let it all out without judgment. Whether it’s venting to a trusted person or pushing yourself physically, finding a release can be essential. So, how do you blow off steam?

1244 | Your Emotional Balance Sheet

Carl Richards — Tue, 04 Mar 2025 01:02:00 -0700

What’s on your emotional balance sheet? In this episode, Carl shares an essay from his upcoming book, exploring how we hold onto frustrations, arguments, and disappointments—tracking them like bad investments that no longer serve us. Inspired by a classic Zen parable, this reflection challenges us to balance the books and let go.

1243 | When Risk Shows Up

Carl Richards — Mon, 03 Mar 2025 01:00:00 -0700

Risk is just a concept—until it isn’t. This week, Carl shares a backcountry ski adventure that took an unexpected turn, turning a routine 25-minute descent into a five-hour lesson in risk, preparation, and the power of community. What happens when risk stops being theoretical and shows up in real life? And how does that apply beyond the mountains—to investing, business, and creative work?

1242 | The Third Reason for Goals

Carl Richards — Fri, 28 Feb 2025 01:02:00 -0700

In this episode of Behavior Gap Radio, Carl revisits the purpose of goals—why we set them, why they’re often just guesses, and why we should still have them anyway. He explores how goals provide a sense of direction and create a gravitational pull that helps us recognize opportunities. But a recent conversation introduced a third, unexpected reason: hope. What if setting a goal isn’t just about achievement but about creating something to look forward to?

1241 | Ironic Places to Hide

Carl Richards — Thu, 27 Feb 2025 01:02:00 -0700

In this episode of Behavior Gap Radio, Carl unpacks the irony of our most well-intentioned distractions—especially when they become clever ways to avoid the real work. From obsessively reading time management books to spending hours researching the best apps to reduce screen time, Carl explores the sneaky ways we hide from what actually matters. What if the solution isn’t another tool or strategy but simply doing the thing we’ve been avoiding?

1240 | The Plan Comes First

Carl Richards — Wed, 26 Feb 2025 01:07:00 -0700

In this episode of Behavior Gap Radio, Carl unpacks the power of visual shortcuts and meaningful souvenirs—how his sketches distill complex ideas into simple, conversation-starting icons. He shares an essay from his upcoming book, Your Money: Reimagining Wealth Through Simple Sketches, exploring the foundational idea that a plan must come before anything else. Too often, we obsess over products—stocks, credit cards, investments—without first deciding where we’re headed. Through his well-known sketch, The Plan Comes First, Carl explains why products only make sense in the context of a plan and how visuals serve as both a shortcut to understanding and a lasting souvenir of a learning experience.

1239 | I Found My Purpose… And…

Carl Richards — Tue, 25 Feb 2025 01:07:00 -0700

In this episode of Behavior Gap Radio, Carl dives into the never-ending search for purpose. Once believing he'd eventually find his purpose and be done searching, he now sees the search itself as the point—the driving force of his life. He explores how we can be both content and striving, fulfilled and still growing, holding both truths at the same time. What if purpose isn’t something to capture but something to keep discovering?

1238 | Content in My Discontent

Carl Richards — Mon, 24 Feb 2025 01:02:00 -0700

In this episode of Behavior Gap Radio, Carl explores the paradox of being content in his discontent—the idea that growth, searching, and pushing boundaries don’t have to come from a place of dissatisfaction. He wrestles with the tension between striving for more and embracing the present moment, questioning where the line is between creative curiosity and restless grasping. Can we hold both? Is the desire to explore something to be resolved or something to be cherished?

1237 | Range of Outcomes

Carl Richards — Fri, 21 Feb 2025 01:07:00 -0700

In this episode of Behavior Gap Radio, Carl shares an essay titled Range of Outcomes from his upcoming book—a simple sketch that captures the messy, uncertain, and unpredictable nature of the future. He explores the tension between fear and excitement and how we chase certainty but could instead embrace mystery, adventure, and surprise. Some days, uncertainty feels overwhelming, while on other days, it feels exhilarating. Both are true. Both are human.

1236 | What's Your First Memory

Carl Richards — Thu, 20 Feb 2025 01:07:00 -0700

In this episode of Behavior Gap Radio, Carl poses a simple yet powerful question: What’s your earliest memory of money? He explores how this question can unlock deep conversations, from childhood experiences to the emotions tied to financial moments. Whether it's recalling a childhood paper route or the tension of overheard arguments, these memories shape our relationship with money. Carl encourages listeners to try asking the question—especially with kids—and to embrace the conversations that follow.

1235 | A Book as a Conversation Starter

Carl Richards — Wed, 19 Feb 2025 01:07:00 -0700

In this episode of Behavior Gap Radio, Carl dives into why he’s writing another book—Your Money: Reimagining Wealth Through Simple Sketches—and what drives the project. He sees books as tools for meaningful conversations, whether around the dinner table, on a walk with a partner, or in an advisor’s office. He shares his ambitious goal of sparking a million conversations a month and gives a behind-the-scenes look at upcoming book launch plans, from virtual chats to live events.

1234 | Two Reasons to Have Goals

Carl Richards — Tue, 18 Feb 2025 01:07:00 -0700

In this episode of Behavior Gap Radio, Carl unpacks the surprising power of goals—even when they’re just guesses. He shares a personal financial goal and how setting a clear target creates both direction and an almost magical gravitational pull that brings new opportunities into focus. From cutting unnecessary subscriptions to resisting impulse purchases, he explores how small choices compound into real progress. If you've ever questioned whether goals matter, this episode might just change your mind.

1233 | Trapped

Carl Richards — Mon, 17 Feb 2025 01:02:00 -0700

On this episode of Behavior Gap Radio, Carl wrestles with the tension between escape and engagement, reflecting on a moment when watching football brought him to tears—not because of the game, but because he knew he was avoiding something deeper. Drawing from Camus, Rumi, and Lao Tzu, he explores the idea that meaning is found through active exploration, even when part of us just wants to check out. What happens when we go too far into our escapes? Maybe that’s where the truth finally reveals itself.

1232 | Vulnerability and Exposure

Carl Richards — Fri, 14 Feb 2025 01:07:00 -0700

Risk asks what could happen. Exposure asks what it would mean if it did. But maybe the real question is—can we be okay with being vulnerable? In this episode of Behavior Gap Radio, Carl unpacks the relationship between risk, exposure, and vulnerability, exploring how they shape our decisions, relationships, and work. If caring about anything means opening ourselves up to uncertainty, then maybe vulnerability isn’t a weakness—it’s the price of truly being alive.

1231 | Stop Worrying About Risk

Carl Richards — Thu, 13 Feb 2025 01:07:00 -0700

In this episode of Behavior Gap Radio, Carl shares an essay from his upcoming book exploring the crucial difference between risk and exposure. While risk is ever-present, what really matters is how exposed we are to it. He dives into the challenge of simplifying complex ideas without losing their essence—something he’s wrestled with for over 20 years.

1230 | Never Enough

Carl Richards — Wed, 12 Feb 2025 01:07:00 -0700

What are you willing to do for money? In this episode of Behavior Gap Radio, Carl explores the growing tension between long-held values and the relentless pursuit of wealth, power, and attention. As hustle culture celebrates sacrifice in the name of success, he questions whether money is becoming the central organizing principle of our lives—and at what cost. If you don’t know who you are in relation to money, the future might be an expensive place to figure it out.

1229 | Boredom Practice

Carl Richards — Tue, 11 Feb 2025 07:00:00 -0700

Why do we reach for our phones, ice cream, or the next distraction—even when we know they don’t add to our lives? In this episode of Behavior Gap Radio, Carl unpacks the habit of novelty-seeking and its connection to boredom, stress, and dopamine. He explores how we’ve trained ourselves to chase input and what happens when we practice sitting with boredom instead. If you’ve ever wondered why you instinctively reach for distraction, this one’s for you.

1228 | If You're Unsure of Who You Are

Carl Richards — Mon, 10 Feb 2025 01:07:00 -0700

In this short but powerful episode of Behavior Gap Radio, Carl shares a crisp insight: If you're unclear about who you are or what you value, entrepreneurship, finance, and business are extremely expensive places to figure it out. In a world where long-held values are often sacrificed for money or attention, the cost of uncertainty has never been higher.

1227 | AI and Money

Carl Richards — Fri, 07 Feb 2025 01:02:00 -0700

In this episode of Behavior Gap Radio, Carl shares a short but deeply considered essay from his new book. He explores why humans and money don’t fit neatly into formulas—why the complexity, emotion, and adaptability of real life can’t be crammed into an algorithm. With AI on the rise, this conversation feels more relevant than ever. Carl even ran this piece by an AI editor—its response might surprise you.

1226 | Strava for Money

Carl Richards — Thu, 06 Feb 2025 01:02:00 -0700

What if there were a Strava for money? In this episode of Behavior Gap Radio, Carl explores how the natural human instinct to compare—often seen as a negative—could actually be harnessed to help us make better financial decisions. Inspired by how Strava tracks and motivates progress in outdoor sports, Carl wonders: Could a similar tool provide useful context for spending and financial alignment? He dives into the idea of measuring not just income and expenses but whether our money choices align with what truly matters.

1225 | How Much Do They Make?

Carl Richards — Wed, 05 Feb 2025 01:02:00 -0700

We look at what people buy and assume we know what they make—but what if that story we tell ourselves is completely wrong? In this episode of Behavior Gap Radio, Carl shares an essay from his upcoming book that explores the psychological trap of comparing our spending to others. From fancy cars to neighborhood norms, we often let assumptions shape our financial decisions in ways we don’t even realize.

1224 | Scaling Kindness With a Media Business

Carl Richards — Tue, 04 Feb 2025 01:02:00 -0700

What if every project, every system, every piece of work was in service of one thing—kindness? In this episode of Behavior Gap Radio, Carl reflects on the idea of scaling kindness and how everything he’s building—his writing, speaking, art, and business—is ultimately about creating more space for meaningful, generous interactions. Whether it’s financial kindness or just kindness at scale, this simple but powerful idea is shaping the next chapter of his work.

1223 | Tips & Tricks for Meeting People

Carl Richards — Mon, 03 Feb 2025 01:02:00 -0700

Striking up conversations with strangers can feel daunting—but what if it was easier than you thought? In this episode of Behavior Gap Radio, Carl shares a simple yet powerful approach to meeting new people, inspired by an event hosted by his friend Darren. By asking just one key question—"Tell me something I should know about you"—he discovered how effortless and rewarding it can be to connect with others. Tune in to hear how you can use this strategy to turn any room into a space for meaningful conversations.

1222 | The Power of Curated Community

Carl Richards — Fri, 31 Jan 2025 01:02:00 -0700

What happens when you step outside your usual circles? Carl shares a powerful realization from an event in his own backyard—an energizing room full of creative, ambitious people he’d never met. It was a reminder that “your people” are out there, but finding them takes intentional effort. In this episode, he explores the importance of curating your community, surrounding yourself with those who are up to something, and making space for creativity and possibility. Who are you investing your time and energy in? And how intentional are you about it?

1221 | Attention Is Power

Carl Richards — Thu, 30 Jan 2025 01:02:00 -0700

We’ve all heard that money is power—but what if the real power is attention? In this episode, Carl explores how attention has become the most valuable commodity in the world, shaping wealth, influence, and the way we interact with the world. But here’s the good news: if we’re aware of it, we can practice. We can audit where we invest our attention, reclaim control, and make sure we’re spending it on what truly matters. This is both a warning and an invitation—because the fight for your attention is real, but so is your ability to choose.

1220 | Creating Space for Hell Yeah

Carl Richards — Wed, 29 Jan 2025 01:02:00 -0700

Is there something magical about saying no? A listener shares a hunch—every time they say no to something that’s not a good fit, something great follows. Coincidence? Carl doesn’t think so. In this episode, he explores the power of making space, the confidence that comes with clear decisions, and the idea that opportunities may already be there—we just need to be able to see them. What happens when we clear the clutter and signal that we’re ready? Tune in for a reflection on saying no, making room, and what might show up next.

1219 | New Zealand and News

Carl Richards — Tue, 28 Jan 2025 01:02:00 -0700

After four days deep in the New Zealand bush—no cell service, no news, just the sound of waterfalls and the weight of stillness—Carl is confronted with a jarring return to the outside world. A chance encounter with hikers reveals devastating news, and it sparks a bigger question: What is the role of news in our lives? How much do we really need to know, and at what cost? With reflections on information, control, and clarity, this episode invites you to reconsider your relationship with the constant flow of updates.

1218 | Infinite Matters

Carl Richards — Mon, 27 Jan 2025 01:02:00 -0700

Fresh from his time in New Zealand, Carl reflects on clarity—the kind that comes when the noise fades away. Inspired by Carl Jung’s insight that "only if we know that the thing that truly matters is infinite can we avoid fixing our interests upon futilities," Carl explores how distractions and false possessions dull our sensitivity to what really matters. What happens when we remove the noise? And how do we create space for a clearer signal in our own lives? Tune in for a thought-provoking conversation on focus, meaning, and what’s truly essential.

1217 | Stuff That Owns You

Carl Richards — Fri, 24 Jan 2025 01:02:00 -0700

In this episode, Carl shares an exciting update about his upcoming book—a collection of 97 essays paired with sketches—and invites listeners to join a "reading party" by providing feedback on one of the essays. He reads "Stuff You Own, Stuff That Owns You," a reflection on the fine line between owning things and being owned by them, and offers a simple question to help regain control of your stuff.

1216 | What Lights You Up?

Carl Richards — Thu, 23 Jan 2025 01:02:00 -0700

In this episode, Carl shares two guiding principles that have shaped his life: Lao Tzu's call to "be who you really are and go the whole way" and Howard Thurman’s wisdom to "ask what makes you come alive and go do it." Through personal reflections and practical insights, Carl explores what it means to notice the moments that light you up and bring you fully alive. From deep presence with others to the flow of skiing through the mountains, Carl unpacks how these moments reveal who we truly are and why the world needs more people who have come alive.

1215 | The Practice

Carl Richards — Wed, 22 Jan 2025 07:21:43 -0700

In this first episode of 2025, Carl reflects on the importance of consistent practice, whether it’s journaling, recording, or simply noticing the world around us. After a break spent adventuring in New Zealand, he shares how quickly the muscle of capturing and processing experiences can atrophy—and why the act of documenting thoughts, even privately, is so valuable. Carl revisits lessons from Seth Godin and a heartfelt reminder from a listener, Ashby, to focus on what lights you up. This episode is a reminder that anything worth mastering requires practice, and sharing ideas publicly can refine and elevate them.

1214 | The Ridgelines of Our Lives

Carl Richards — Tue, 31 Dec 2024 07:15:11 -0700

In this episode of Behavior Gap Radio, Carl shares reflections from a backcountry skiing trip in Utah’s Wasatch Mountains. Inspired by a striking ridgeline etched against the horizon, he explores the metaphorical ridgelines in our lives—birthdays, transitions, and new beginnings—that challenge us to go a little further and reach a little higher. With a new year on the horizon, Carl invites listeners to embrace the possibilities that lie just beyond their comfort zones.

1213 | The Sacred Now: You're Already There

Carl Richards — Fri, 27 Dec 2024 07:45:05 -0700

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.

1212 | The 29-Year Canvas

Carl Richards — Mon, 23 Dec 2024 08:32:55 -0700

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.

1211 | The 100-Year Mirror

Carl Richards — Mon, 23 Dec 2024 01:00:00 -0700

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.

1210 | The Moment I Realized I Was Different

Carl Richards — Fri, 20 Dec 2024 01:00:00 -0700

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?

1209 | One Million Vertical Feet!

Carl Richards — Thu, 19 Dec 2024 01:00:00 -0700

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.

1208 | What if Your Path Doesn't Exist Yet?

Carl Richards — Wed, 18 Dec 2024 11:39:03 -0700

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.

1207 | Investing in Relationships

Carl Richards — Tue, 17 Dec 2024 09:01:17 -0700

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.

1206 | When Everything Goes Wrong

Carl Richards — Fri, 13 Dec 2024 01:00:00 -0700

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.

1205 | Money's Resignation Letter

Carl Richards — Thu, 12 Dec 2024 01:00:00 -0700

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.

1204 | Confessions of a Reformed Financial Martyr

Carl Richards — Wed, 11 Dec 2024 01:00:00 -0700

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.

1203 | The Only Life Lesson That Matters

Carl Richards — Tue, 10 Dec 2024 14:53:17 -0700

In this episode of Behavior Gap Radio, Carl explores a profound Zen quote: "I have learned only one thing in life. How much is enough?" He delves into the concept of enough—not as a one-time discovery but as a lifelong practice of learning and reminding. Through relatable examples, Carl invites listeners to reflect on where they feel a sense of lack and to consider how understanding "enough" might be the most valuable lesson of all.

1202 | The Gap and Thich Nhat Hanh

Carl Richards — Tue, 10 Dec 2024 14:47:23 -0700

In this episode of Behavior Gap Radio, Carl reflects on the wisdom of Thích Nhất Hạnh's words about aligning money with values. Through personal stories, he explores the inevitable gap between our spending and our priorities, emphasizing that the real work isn’t in achieving perfect alignment but in noticing and learning from the gap. This episode offers a practical and compassionate perspective on closing the space between what we value and how we live.

1201 | Spending Health to Get Money

Carl Richards — Fri, 06 Dec 2024 01:00:00 -0700

In this episode of Behavior Gap Radio, Carl dives into a thought-provoking paradox: the all-too-common societal norm of sacrificing health for financial success, only to spend later years using that wealth to recover lost health. With his trademark clarity, Carl unpacks this "weird" cycle and invites listeners to rethink the trade-offs we consider normal. It's a short, impactful reflection that might just shift your perspective on success and well-being.

1200 | Success Minus Substance

Carl Richards — Thu, 05 Dec 2024 01:00:00 -0700

In this episode of Behavior Gap Radio, Carl shares a powerful takeaway from his conversation with Dr. Gina Gorlin, a psychologist and coach for founders. Exploring the concept of "success porn," they discuss the hollowness of chasing success without substance. Dr. Gorlin's poignant question—"What good is success without substance?"—leads Carl to reflect on the quiet desperation many feel despite outward achievements.

1199 | Three Great Addictions

Carl Richards — Wed, 04 Dec 2024 01:00:00 -0700

In this episode of Behavior Gap Radio, Carl reflects on a provocative quote from Nassim Taleb about the three great addictions: heroin, carbohydrates, and a monthly salary. He dives into how our reliance on safety and security can sometimes hold us back from pursuing what truly matters. How do the choices we make today shape the person we want to be in three years? Are we prioritizing immediate comfort at the expense of long-term fulfillment?

1198 | Could It Be That Simple?

Carl Richards — Tue, 03 Dec 2024 01:00:00 -0700

In this episode of Behavior Gap Radio, Carl challenges high-performing entrepreneurs, creatives, and consultants to rethink how they document their learning. Instead of overcomplicating the process, he asks: how can you make it smaller, simpler, and more consistent? From voice memos to minimalist approaches, Carl explores how simplifying the act of sharing ideas can unlock progress without perfection.

1197 | The Three Reasons for a Public Creative Practice

Carl Richards — Mon, 02 Dec 2024 11:25:45 -0700

In this episode of Behavior Gap Radio, Carl explores the reasons behind his habit of turning personal learning into public artifacts. He delves into the value of creating tangible outputs—not for the format, but for the impact on his thinking and growth. Carl shares three key insights: how creating sharpens his ideas, how feedback enriches his understanding, and how these artifacts build intellectual property over time. It’s not about outcomes but about leaving a meaningful trail.

1196 | The Creative Risk

Carl Richards — Wed, 27 Nov 2024 01:00:00 -0700

In this episode of Behavior Gap Radio, Carl delves into the deeply personal risk of creating something and sharing it with the world. Whether you’re an artist, entrepreneur, or business owner, putting a piece of yourself out there invites emotional and identity risk—leaving you exposed to critique, rejection, or indifference. Carl reflects on how cultural expectations, resilience, and mental well-being intersect with this unique form of vulnerability and asks: Is this risk an essential part of the creative process?

1195 | Dancing With Dragons

Carl Richards — Tue, 26 Nov 2024 09:40:01 -0700

In this Behavior Gap Radio field episode, Carl dives into the messy, courageous work of embracing who you really are—and the creative risks it takes to get there. Sharing his journey of rejecting traditional consulting norms in favor of transformative "Dancing With Dragons" days in the Utah desert, Carl explores what happens when you lean fully into your unique path. It’s a call to step away from distractions, take a deep breath, and trust that being authentically you is where the real magic happens.

1194 | Which Version of You?

Carl Richards — Fri, 22 Nov 2024 01:00:00 -0700

In this episode of Behavior Gap Radio, Carl reflects on a deeply personal and universal question: What good is it to protect and provide if your kids don’t feel safe around you? Sharing a heartfelt story from a yoga teacher and his own experiences as a dad, Carl explores the tension between the hustle to provide and the need to show up as the calm, safe presence our families need. It’s not about blame—it’s about reflection and small, intentional choices that make a lasting impact.

1193 | Protect & Provide

Carl Richards — Thu, 21 Nov 2024 01:00:00 -0700

In this episode of Behavior Gap Radio, Carl reflects on the age-old archetype of masculinity and money—the roles of protector and provider. Through a candid conversation with his wife, Cori, Carl examines the tension between the honor of caring for others and the constraints of societal expectations. What does it truly mean to provide? Is it material security or something deeper, like creating safety, belonging, and connection? Join Carl as he explores how to honor this archetype while rewriting it for a more balanced and meaningful life.

1192 | The Khaki Pants

Carl Richards — Wed, 20 Nov 2024 01:00:00 -0700

In this episode of Behavior Gap Radio, Carl unpacks the metaphor of "khaki pants" as a symbol of stability, security, and predictability—and the tension between craving stability and longing for a creative, adventurous life. Inspired by a conversation with filmmaker and musician Scott Blue, Carl explores the paradox many of us face: envying the stability of others while they envy our spontaneity. With insights from Mary Oliver and Steven Pressfield, Carl asks: Are you living the life you’re meant to live?

1191 | Be With Money…

Carl Richards — Tue, 19 Nov 2024 01:00:00 -0700

In this episode of Behavior Gap Radio, Carl reflects on a powerful question posed by writer and ultra-runner Katie Arnold during a recent conversation: “I don’t know how to be with money.” Exploring the idea of money as a relationship rather than a mere resource, Carl delves into themes of presence, acceptance, and the discomfort many feel when confronting their connection to money. How do we treat money—something to control, chase, or avoid? And what would it mean to simply be with it?

1190 | The Hungry Ghost of Never Enough

Carl Richards — Mon, 18 Nov 2024 01:00:00 -0700

In this episode of Behavior Gap Radio, Carl explores the haunting concept of the "hungry ghost" from Buddhist tradition—a being with an insatiable desire, unable to find satisfaction. Inspired by conversations with Jerry Colonna, Carl reflects on the modern glorification of "never enough" and its invitation to perpetual dissatisfaction. Instead, he challenges us to live with the question: What does enough look like for me? By shifting our focus from accumulation to meaningful experiences and authentic connection, we might uncover the antidote to the endless chase.

1189 | The Best, Last Teacher

Carl Richards — Wed, 13 Nov 2024 20:59:19 -0700

In this episode of Behavior Gap Radio, Carl reflects on the profound wisdom of Lao Tzu’s quote, “Be who you really are and go the whole way.” Inspired by Katie Arnold’s books and her upcoming appearance on 50 Fires, Carl explores the challenges of authenticity, especially in moments of change. He delves into the role of teachers and guides, sharing the Zen teaching that true learning happens when we let go of the teacher and find our own path. Through stories and reflections, Carl invites listeners to embrace the uncharted journey of discovering and living their truest selves.

1188 | Problems as a Tax

Carl Richards — Mon, 11 Nov 2024 01:00:00 -0700

In this episode of Behavior Gap Radio, Carl explores the idea that most problems are simply projections—fears about a future that may never happen. Drawing on Wendell Berry's poetic wisdom and Mark Twain's humor, Carl reflects on how humans often tax themselves with "forethought of grief," carrying unnecessary worries as if they were real. Through this lens, he invites listeners to take inspiration from nature, letting go of imagined problems to live more fully in the present.

1187 | The $100 Meditation

Carl Richards — Fri, 08 Nov 2024 01:00:00 -0700

In this episode of Behavior Gap Radio, Carl delves into the transformative exercise he calls the "$100 Bill Meditation," inspired by his guest Johnny Miller and a retreat in Bali. Carl challenges listeners to reframe their relationship with money by imagining it as a person—someone who has heard every hope, frustration, and expectation we’ve projected onto it. Through guided journaling, he encourages us to describe what money truly represents and, in a thought-provoking twist, to ask: If money could speak, what would it say to us? This meditation invites a deeper understanding of money as both a tool and a mirror of our own stories.

1186 | The Collective Delusion

Carl Richards — Thu, 07 Nov 2024 01:00:00 -0700

In this episode of Behavior Gap Radio, Carl dives deeper into the "collective delusion" around money, expanding on his previous discussion about money as a shared story. He explores the powerful beliefs society attaches to money—like money as power, freedom, or influence—and how these narratives can mislead us. While some of these ideas are positive and others negative, Carl argues they are all ultimately illusions that distract us from deeper truths. He challenges listeners to question these collective assumptions and hints at an upcoming episode where he’ll discuss the "$100 bill meditation" as a tool for reframing our relationship with money.

1185 | Money and the Collective Story

Carl Richards — Wed, 06 Nov 2024 01:00:00 -0700

In this episode of Behavior Gap Radio, Carl reflects on his conversation with Krista Tippett, host of On Being, which led him to explore the idea of money as a collective story we've all agreed upon. He delves into how money, though just paper or digital numbers, gains power through our collective belief—a useful story that can drive progress but also a dangerous delusion when given too much meaning. Carl introduces the "$100 bill meditation," a thought experiment that encourages listeners to reframe their relationship with money by considering its true nature and the narratives we attach to it.

1184 | Fear and Money

Carl Richards — Tue, 05 Nov 2024 01:00:00 -0700

In this episode of Behavior Gap Radio, Carl explores the powerful link between money and fear, reflecting on his own journey to move away from making financial decisions from a place of anxiety. He shares personal stories about rewiring the deep-rooted fear response often triggered by money, a shift that came not from changing his financial situation but from growing awareness and practices like meditation and therapy. Carl invites listeners to consider how fear influences their own financial choices and shares how embracing awareness can lead to profound, lasting change. He welcomes listeners to share their own experiences on this journey away from fear-based decisions.

1183 | Doctor Low Angle

Carl Richards — Mon, 04 Nov 2024 01:00:00 -0700

In this episode of Behavior Gap Radio, Carl shares an essay on finding clarity in decision-making and risk. Inspired by a personal shift in his backcountry skiing approach after a tragic accident, he explores the powerful concept of focusing on terrain that's always safe rather than testing boundaries. This episode delves into three key themes: rethinking risk, clarifying motivations, and the creative process of distilling insights into a single, impactful idea—like finding one grain of sand on a vast beach. Join Carl as he reflects on applying this "Dr. Low Angle" philosophy both in skiing and in life.

1182 | Compounding Kindness With the Work

Carl Richards — Fri, 01 Nov 2024 01:00:00 -0600

In this special field episode from New York City, Carl shares reflections from his "idea tour," which has taken him across the U.S., exploring the profound alignment between money and personal values. He discusses the concept of "compounding kindness"—the idea that small acts of kindness can multiply and impact lives across the globe. Reflecting on personal encounters, he highlights the power of one-to-one kindness scaling into a global network of positive impact. With over a million downloads of Behavior Gap Radio, Carl envisions a future of spreading kindness at scale and invites listeners to join the movement by sharing the episode with others who could use a spark of inspiration.

1181 | Money Is Just a Word

Carl Richards — Thu, 31 Oct 2024 01:00:00 -0600

In this thought-provoking episode of Behavior Gap Radio, Carl challenges us to rethink our relationship with money, suggesting that money itself is simply a word—a neutral tool that we've imbued with complex stories, emotions, and generational beliefs. He explores how recognizing money as a concept, rather than the source of our financial stress or aspirations, can open the door to clearer, more actionable financial thinking. Carl isn’t proposing a quick fix for financial struggles but rather a reframing: by seeing money for what it is and isn’t, we can begin to untangle our emotions from the practical steps needed to navigate our financial realities.

1179 | Less Discovery, More Clarity

Carl Richards — Wed, 30 Oct 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl reflects on the balance between discovery and clarity, suggesting that true insight often emerges when we step away from constant consumption and allow space for reflection and creation. He explores the idea of alternating between periods of deep learning and intentional time to process and create, finding clarity through stillness rather than endless discovery. Tune in to consider how stepping out of "discovery mode" might offer a new path to deeper understanding and creativity.

1180 | Calm Money

Carl Richards — Tue, 29 Oct 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl explores the idea of achieving "calm money" by shifting our mindset around finances. While society often bombards us with fear and anxiety about money, Carl suggests that cultivating a calm, intentional relationship with it can transform our experience. By recognizing and managing our fears, we can approach money with clarity and peace, sidestepping the noise that clouds our judgment. Tune in to learn why calm, not fear, is the best fuel for a healthy, sustainable relationship with money.

1178 | Being Kind Is an Investment

Carl Richards — Mon, 28 Oct 2024 01:00:00 -0600

In this brief yet impactful episode of Behavior Gap Radio, Carl delves into a powerful concept: kindness as an investment with compounding returns, while negativity acts as an expense that only drains. Building on yesterday’s thoughts on kindness, Carl highlights the ripple effect of our interactions and challenges us to choose kindness as a long-term investment in positive outcomes. Tune in for a simple yet transformative reminder that each moment of kindness is a step toward a better world.

1177 | Kindness Compounds

Carl Richards — Fri, 25 Oct 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl shares a profound realization sparked by a conference interaction—a reminder of the lasting impact that small acts of kindness can have on others. Reflecting on encounters from years past, he marvels at the compounding effect of positive moments: a thoughtful word, a high-five, or just a few seconds of genuine attention. This episode dives into Carl’s personal journey toward embodying "compound kindness" as a life mission, embracing positivity in every interaction and fostering a ripple effect of kindness that continues to grow with each person it touches.

1176 | Becoming a Better Investor

Carl Richards — Thu, 24 Oct 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl revisits one of his favorite topics: investing. He challenges the common misconception that success comes from finding the "best" investment and explains how true investment success is about becoming a better investor. Instead of constantly searching for the perfect opportunity, Carl emphasizes the power of consistency, long-term commitment, and resisting the urge to interrupt compounding. He also touches on the behavioral challenges we face, such as spending versus saving, and how mastering these habits is key to long-term financial success.

1175 | Which One Feels Correct?

Carl Richards — Wed, 23 Oct 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl dives into the process of decision-making, particularly when faced with big, life-altering choices. He emphasizes the importance of balancing analysis with intuition. While gathering information, testing assumptions, and creating pros and cons lists are essential steps, there comes a point when the analysis must stop, and it's time to trust your gut. Carl reflects on the shift from head-based decision-making to heart-based, highlighting the beauty of quieting the noise and asking, "Which one feels right?"

1174 | When Risk Shows Up

Carl Richards — Tue, 22 Oct 2024 01:00:00 -0600

In this episode, Carl explores the inevitable arrival of risk when making important life decisions, particularly through the lens of parenting young adults facing monumental choices. From career paths to personal relationships, he reflects on how we react when things don't go as planned—whether it's failing a test, missing an opportunity, or changing life directions. Drawing inspiration from Kobe Bryant's mindset of learning from failure, Carl encourages us to embrace risk as part of growth. Tune in to discover how to navigate disappointment, keep moving forward, and learn from the challenges life throws our way.

1173 | What Made It Better?

Carl Richards — Mon, 21 Oct 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl dives into the emotional rollercoaster of managing anxiety around money, particularly during times of high cognitive demand. After a whirlwind of travel, conferences, and personal challenges, he reflects on what helps alleviate stress and what exacerbates it. From the short-term comfort of ice cream to the long-term clarity that comes from organizing his space and staying mindful of his diet, Carl shares personal insights on how small, intentional actions can make a big difference in navigating financial worries. Tune in to explore the simple question: What makes it better and what makes it worse?

1172 | The Guaranteed ROI of Friendship

Carl Richards — Fri, 18 Oct 2024 01:00:00 -0600

In this episode, we dive into the deep, meaningful connections that define true friendship. Through a personal story of returning to the red rock canyons of Utah with friends he’s known since childhood, Carl reflects on the power of investing time and attention in friendships. He shares how these relationships have provided a safe space for vulnerability, forgiveness, and grace, despite mistakes. Carl emphasizes that nurturing friendships, even after long periods apart, offers invaluable returns. If you’re feeling disconnected, he shares simple steps to start building or rekindling those essential bonds.

1171 | In Over My Head

Carl Richards — Thu, 17 Oct 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl shares a deeply personal story about overcoming fear and self-doubt by finally completing a wilderness first responder course after over 20 years of hesitation. He reflects on the emotional challenges, including trauma around certain injuries and the mental hurdles that kept him from pursuing something he had always wanted to achieve. Carl’s message is simple but powerful: we can do more than we think we can. He encourages listeners to identify a long-held fear, embrace the discomfort, and take the leap, reminding us all that growth happens when we challenge our limits.

1170 | I Wish I Could Have All That Time Back

Carl Richards — Wed, 16 Oct 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl reflects on a conversation with a friend who realized he had spent much of his life feeling appalled, offended, or upset over trivial things. Carl shares personal moments where he caught himself feeling unnecessarily frustrated, like in traffic, and questions the value of those feelings. He wonders how much time and energy could be reclaimed if we let go of these small, unnoticed annoyances. Tune in for an insightful discussion on freeing ourselves from unproductive emotions and finding more peace in everyday situations.

1169 | You've Been in Your Body All Week

Carl Richards — Tue, 15 Oct 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl shares a personal revelation sparked by his wife's observation that he was "in his body, instead of in his head." After completing an intense wilderness first responder course, Carl reflects on how the immersive, hands-on experience pulled him out of his usual mental routines and into the present moment. He discusses the concept of "replacing, not resisting" distractions like constant phone checking, and the value of embodied experiences over endless thinking.

1168 | 60 Minutes With a Friend

Carl Richards — Mon, 14 Oct 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl reflects on the value of investing time with friends, sharing a personal story of spending 60 minutes in conversation with his long-time friend Matt. Despite busy schedules and tiredness, Carl and Matt chose to connect, and the return on that investment was profound—bringing a sense of refreshment, energy, and deeper connection. Carl contrasts this with other ways we often spend our time, like scrolling social media or watching TV, emphasizing the lasting fulfillment that comes from genuine, meaningful interactions.

1167 | How Much Energy Do You Have?

Carl Richards — Fri, 11 Oct 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl explores the idea of energy as a vital form of capital, inspired by a question from Tom Rath’s "Are You Fully Charged?". With only 11% of people reporting having plenty of energy, Carl reflects on the importance of managing and replenishing our energy resources. He shares personal insights on how simple changes, like a good night's sleep, can make a huge difference and emphasizes the value of both building up energy and spending it wisely. Tune in for a thought-provoking take on aligning your energy with what truly matters.

1166 | Energizing Friends

Carl Richards — Thu, 10 Oct 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl delves into the impact that relationships have on our energy, one of the four essential sources of capital. He explores the idea of how certain people can energize us while others can drain our energy and highlights the importance of being mindful about who we invest our time with. By aligning our social interactions with those who leave us feeling recharged, we can create a surplus of energy, like a renewable resource. Tune in to reflect on your relationships and learn how to optimize your energy.

1165 | Spending Energy

Carl Richards — Wed, 09 Oct 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl explores the often-overlooked concept of energy as a valuable source of capital alongside money, time, and attention. He reflects on how we invest, spend, or waste energy on things that either align with or detract from what matters most. Using personal examples, like the energy drain of checking news or podcast stats, Carl encourages listeners to reflect on their own energy usage and consider how aligning it more intentionally can lead to a more fulfilling life.

1164 | A Provocative Symbol

Carl Richards — Tue, 08 Oct 2024 01:00:00 -0600

In this episode, Carl invites you to join him for a thought experiment at your favorite coffee shop, where he draws a simple yet powerful symbol—a dollar sign. He explores the wide range of emotions and thoughts this symbol can provoke, from feelings of control to reflections on family legacies and financial struggles. Through stories shared by others, Carl highlights the deep personal meaning we often attach to money and invites you to reflect on your own reactions. What does the dollar sign stir in you?

1163 | Three Questions About Money

Carl Richards — Mon, 07 Oct 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl reflects on the powerful and generous act of simply witnessing someone’s struggle, particularly when it comes to money. He explores the complexities of our relationship with money, from feelings of guilt over privilege to the shame of not having enough. Carl shares thoughtful conversation starters, such as asking about someone's first memory of money, to help create space for open and honest discussions. Tune in for a fresh perspective on the value of being a compassionate listener when it comes to the financial struggles we all face.

1162 | Confirmation Bias Prevention

Carl Richards — Fri, 04 Oct 2024 01:00:00 -0600

In this episode, Carl dives into the sneaky nature of confirmation bias, using a personal story about road biking and weight tracking to highlight how we often seek out evidence that supports decisions we've already made. Carl reflects on how this bias shaped his behavior and shares the "Confirmation Bias Prevention Program," a strategy focused on seeking out disconfirming evidence and engaging with opposing viewpoints. Learn why embracing the discomfort of being wrong is key to making better decisions.

1161 | Attention as a Form of Generosity

Carl Richards — Thu, 03 Oct 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl reflects on the powerful idea that "attention is the rarest and purest form of generosity," a thought-provoking quote from Simone Weil. As he works on his new book about aligning the use of personal capital with what matters most, Carl explores attention as one of the four key forms of capital. He invites listeners to consider how they invest their attention and the profound impact it has on relationships. Through personal anecdotes, Carl highlights the deep connections that arise when we give others our full attention, a rare and generous act in today's busy world.

1160 | How Much Time Do You Have?

Carl Richards — Wed, 02 Oct 2024 01:00:00 -0600

In this episode, Carl delves into the profound question, "How much time do you have?"—exploring it both on a micro level, like during daily interactions, and on a macro level, as we contemplate our lives and mortality. He reflects on time as a form of capital, similar to money, energy, and attention, yet more elusive and harder to bank or store. Carl shares thought-provoking insights on how we invest time, how it aligns with what matters most, and the importance of making the most of it. It's a deep reflection on the nature of time and its role in our lives.

1159 | Content in My Discontent

Carl Richards — Tue, 01 Oct 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl reflects on a conversation with a friend about creative work, growth, and the tension between contentment and ambition. Drawing inspiration from a David Whyte poem, he explores the "why not me" mindset, the desire for personal and professional growth, and the struggle of comparison. Carl shares a powerful insight: Rather than trying to resolve the tension between being satisfied and wanting more, perhaps the tension itself is a gift. He encourages listeners to embrace this tension as a path to growth, both in life and in relationships.

1158 | You're Not Worth That

Carl Richards — Mon, 30 Sep 2024 01:00:00 -0600

In this episode, Carl dives into the often-overlooked challenge of confusing net worth with self-worth. He explores how society tends to equate material possessions and financial success with personal value, reflecting on how this mindset can erode self-esteem, especially in contexts like salary negotiations or unemployment. Carl shares a personal conversation with a friend who felt crushed by the impact of losing work and highlights the importance of finding sources of self-worth that are independent of income or status. This thought-provoking episode encourages listeners to reflect on how they perceive their own value.

1157 | Risk and Not Losing

Carl Richards — Fri, 27 Sep 2024 12:00:00 -0600

In this episode of Behavior Gap Radio, Carl dives into the fascinating asymmetry of risk, exploring how it impacts both financial decisions and life in the mountains. Drawing inspiration from hedge fund manager Mark Spitznagel’s quote, "Profit is finite, risk is infinite," Carl unpacks the profound differences in how we experience gains and losses, whether in our portfolios or on a precarious mountain ridge. With compelling insights into compounding and loss aversion, he highlights strategies for safeguarding against risk while still enjoying the rewards, both in the markets and in nature.

1156 | The Result of Rushing

Carl Richards — Fri, 27 Sep 2024 01:00:00 -0600

In this episode, Carl wraps up his series on "Unknowing, Being Uncertain, and Slowing Down" with a thought-provoking conversation inspired by a friend deeply involved in design, architecture, and entrepreneurship. Over tacos, they discuss the pressure to act quickly when faced with uncertainty and how rushing often leads to mistakes. Carl reflects on his friend's statement that "all the major mistakes I've made were a result of rushing," prompting a deeper exploration of the importance of patience and embracing the unknown.

1155 | Sitting in Uncertainty

Carl Richards — Thu, 26 Sep 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl reflects on his long-held bias toward action, especially in moments of discomfort and uncertainty. While action often leads to new information, Carl realizes that this approach may not always serve him well, particularly in high-stakes situations. He shares his journey of learning to slow down, sit with uncertainty, and resist the urge to act impulsively just to escape discomfort. Through self-awareness and the practice of "First a cup of tea," Carl emphasizes the importance of patience and mindfulness in making thoughtful decisions when the consequences could be significant.

1154 | Simple Rules High Consequence

Carl Richards — Wed, 25 Sep 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl revisits the concept of high consequence, low probability events, sharing lessons from a recent adventure on the Northridge of the Pfeifferhorn in Utah. Reflecting on a risky move during the climb, Carl explores how our judgment can be clouded in the moment, leading us to underestimate the potential consequences. He emphasizes the importance of simple rules and protective measures when facing high-risk situations, whether in the mountains or in our financial lives. Carl advocates for developing rules and reviewing past actions to better navigate complex decisions and avoid letting excitement override caution.

1153 | Not Knowing Part 2 - Most Intimate

Carl Richards — Tue, 24 Sep 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl explores the concept of "Not knowing is most intimate," a Zen koan that challenges our perception of knowledge and vulnerability. Reflecting on personal experiences in the mountains and the markets, Carl discusses how facing the unknown reveals deep truths about ourselves and others. He shares stories of how people, including himself, react when confronted with uncertainty, from speeding up to feeling panic, and the beauty of slowing down to sit with the discomfort. Through these reflections, Carl highlights how embracing the unknown can lead to more intimate and meaningful connections with ourselves and those around us.

1152 | Not Knowing Part 1

Carl Richards — Mon, 23 Sep 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl reflects on the dangers of thinking we "know" more than we actually do. He shares personal insights on how quickly we make judgments in various aspects of life, from investments to outdoor adventures, often without any solid grounds. Using examples like private investments and risky outdoor conditions, Carl emphasizes the importance of recognizing when we don't know and simplifying decisions as a result. His key takeaway? In moments of uncertainty, it's better to acknowledge the unknown and make things simpler—sometimes, that means just saying no.

1151 | Simple Tools

Carl Richards — Fri, 20 Sep 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl shares his love for simple tools and how they can be surprisingly effective in daily life. Building on the previous day's discussion about gratitude, he talks about using the iPhone's built-in Reminders app to help reinforce positive habits instead of spending hours searching for more complex solutions. By focusing on simple, accessible tools like the Notes and Reminders apps, Carl emphasizes the power of replacing distractions with meaningful practices. He reflects on how these simple methods leave no room to hide from action, making them a valuable part of his daily routine.

1150 | What I Already Have

Carl Richards — Thu, 19 Sep 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl reflects on the power of gratitude and finding contentment in the present. After returning from a trip, Carl experiences a profound realization while running through the trails near his home in Park City, Utah. He shares how he's been conditioned to constantly think about acquiring new things or chasing the next goal but recognizes that true happiness comes from appreciating what he already has. Carl encourages listeners to practice gratitude, not for the material things but for the sense of home, connection, and fulfillment that is already present in their lives.

1149 | Buying Back Time

Carl Richards — Wed, 18 Sep 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl continues his exploration of the relationship between time and money by sharing personal stories of friends who handle their time and spending in vastly different ways. From paying for river guides to changing their own oil, each individual makes unique choices based on what they value more—time or money. Carl reflects on these trade-offs and poses the question: Where are we willing to spend money to buy back time, and when does it actually save us time? Join Carl for a thought-provoking discussion on prioritizing time and money.

1148 | Would You Rather Waste Time or Money?

Carl Richards — Tue, 17 Sep 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl poses a thought-provoking question: Would you rather waste money or time? Inspired by an interview where James Corden shared his belief that time is the only currency of true value, Carl reflects on the importance of prioritizing time over money. He delves into the idea that while traditional financial planning often centers on money, it might miss the mark by not considering time, energy, and attention as equally valuable forms of capital. Join Carl as he explores how we allocate our most precious resource—time.

1147 | Overconfidence

Carl Richards — Mon, 16 Sep 2024 12:00:00 -0600

In this episode of Behavior Gap Radio, Carl dives into the dangers of overconfidence, especially among experts. Building on the previous episode, he explores how the gap between knowing and doing can lead to costly mistakes. Overconfidence, Carl suggests, is a common issue for experts who begin to rely too much on their knowledge and forget the importance of maintaining a beginner’s mindset. Through thought-provoking insights, Carl reminds us that while expertise is valuable, the real risk comes when experts lose the humility to keep learning and adapting.

1146 | Experts Make Fatal Flaws

Carl Richards — Mon, 16 Sep 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl dives into the puzzling phenomenon of experts making critical mistakes—even when they know better. From avalanche terrain to the investment world, Carl examines why those with the most knowledge can still make fatal errors, often due to the gap between knowing and consistently doing. He explores the dangerous stories we tell ourselves, group dynamics, and the psychological traps that lead even the most seasoned professionals to make catastrophic decisions. Tune in for a thought-provoking exploration of why expertise doesn’t always prevent failure.

1145 | Right for the Wrong Reasons

Carl Richards — Fri, 13 Sep 2024 01:00:00 -0600

In this episode, Carl explores the concept of "predictive value" and the challenges of identifying factors that can forecast success, particularly in the investment and startup worlds. He reflects on his experience advising institutional investors and the ongoing search for variables that can reliably predict outcomes. Carl highlights the complexity of determining whether success is due to skill or luck, emphasizing the importance of focusing on the process rather than just the outcome. Tune in for a thought-provoking discussion on what truly has predictive value and how to apply this in various fields.

1144 | Complex Problems and Simple Solutions

Carl Richards — Thu, 12 Sep 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl shares a story about renowned interior designer Axel Vervoordt and his encounter with a simple yet profound solution to a complex design challenge. When tasked with connecting a seating area to a centuries-old lake, a world-renowned expert's response was unexpectedly simple: "Take your chair and move it closer to the water." Carl reflects on the power of simplicity in solving complex problems and asks, "What if the answer is less?" Join Carl as he explores the beauty of minimalism and the wisdom found in straightforward solutions.

1143 | I Like the House I Live In

Carl Richards — Wed, 11 Sep 2024 01:00:00 -0600

In this episode, Carl reflects on a powerful message shared by musician Nathaniel Rateliff during a workshop, where he expressed his appreciation for the life his work has afforded him, even if his biggest hit isn’t his personal favorite. Carl explores the tension between creative integrity and the practical rewards of success, drawing parallels to the ongoing challenge of balancing work and life. He emphasizes that this tension is not something to be solved but embraced as part of the ebb and flow of life. Join Carl as he unpacks the deeper meaning behind pursuing fulfillment while navigating trade-offs.

1142 | What Are You Willing To Sell For A Monthly Salary?

Carl Richards — Tue, 10 Sep 2024 01:00:00 -0600

In this episode, Carl explores the thought-provoking idea presented by Nassim Taleb, author of Black Swan and Fooled by Randomness, about the three most harmful addictions: heroin, carbohydrates, and a monthly salary. Carl delves into the concept of how a steady paycheck can impact our decisions, behavior, and freedom. He reflects on the trade-offs we make for security and stability, asking listeners to consider what they might be willing to sell or sacrifice in exchange for safety and whether those compromises are truly worth it.

1141 | Don't Get in the Way of Magic

Carl Richards — Mon, 09 Sep 2024 01:00:00 -0600

In this episode, Carl Richards shares a "secret" about how to tap into magic to accomplish things you never thought possible. The key, he explains, is to act fully committed to your goal, even if you're still unsure. By saying, “I’m going to do this,” and acting as if it’s already happening, you create space for magic or confirmation to show up. However, Carl emphasizes the importance of keeping your uncertainty quiet, as magic only shows up when you appear fully committed. Have you been holding back on a big decision? What would happen if you acted as if you were already committed?

1140 | Once You've Seen the Mountains

Carl Richards — Fri, 06 Sep 2024 01:00:00 -0600

Have you ever thought about whether pursuing a creative life can lead to stability? In this episode of Behavior Gap Radio, Carl tackles that question (inspired by a recent conversation with university students). He shares that while most people optimize for ease and stability, he’s more interested in doing hard things and creating meaningful experiences, like hosting retreats at his home. Using the metaphor of “seeing the mountains,” Carl explains that once you’ve experienced something truly transformative, you can’t go back to settling for less. Have you seen your own “mountains,” and how has that shaped the way you design your life?

Do you want announcements about future retreats at Carl's home? Just tell him where to send your invitation: https://dancingwithdragons.com/

1139 | How Do You Know if You're Spending Too Much?

Carl Richards — Thu, 05 Sep 2024 01:00:00 -0600

How do you know if you’re spending too much? Today, Carl explores the tricky question of defining what is sufficient for our needs, noting that the answer is deeply personal and varies from one person to the next. He points out that outward measures, like spending less than you make, can be helpful, but ultimately, it's an internal calibration that matters most. Have you ever caught yourself judging someone else’s financial decisions only to realize you don’t really know what’s going on in their life? Carl shares examples of spending that may seem illogical but are essential for someone’s well-being or relationships. The key takeaway: We’re always recalibrating our needs, and there’s no simple checklist for what’s “enough.”

1138 | Directing Attention

Carl Richards — Wed, 04 Sep 2024 01:00:00 -0600

In this episode, Carl Richards dives into the challenge of focusing attention, especially in today’s world with endless distractions at our fingertips. How often do you truly invest your attention? He offers a simple exercise: Count your breaths to see how quickly your mind can wander. Have you ever spent time with someone but not truly paid attention? Carl emphasizes the difference between spending time and investing attention, noting that people can feel the difference.

1137 | Judgement of Other People's Spending

Carl Richards — Tue, 03 Sep 2024 01:00:00 -0600

Isn’t it easy to judge how others spend their money? In this episode, Carl explores the tendency we have to make quick judgments about people's financial decisions—whether it's a fancy car, an expensive truck, or even rocks for a garden. Have you ever found yourself silently critiquing someone's spending, only to later realize you don’t know the full story? Carl shares examples, including a friend who spent money on expensive adventures during a difficult time in his life, explaining how those trips were actually helping him survive. What if, instead of judging, we paused to consider the story behind the spending? Carl suggests that by shifting from judgment to empathy, we might better understand others—and ourselves.

1136 | Money, Where Would We Be Without It?

Carl Richards — Mon, 02 Sep 2024 01:00:00 -0600

Carl explores the four sources of capital—time, energy, attention, and money—with a focus on the question: Where would we be without money? What role does money play in our lives? In this episode of Behavior Gap Radio, Carl talks about its dual nature, offering freedom on one hand and creating power struggles on the other.

1135 | Four Sources of Capital

Carl Richards — Fri, 30 Aug 2024 01:00:00 -0600

Today on Behavior Gap Radio, Carl shares the acronym TEAM—Time, Energy, Attention, and Money—as four key sources of capital. Why should we think beyond just money? How valuable are time, energy, and attention in comparison? Hear the thoughtful reasoning behind this framework and get a sneak peek into Carl's upcoming book on the subject.

Do you want to know about Carl's next book release? Tell him where to send your announcement: https://www.thesocietyofadvice.com/book

1134 | Start Where You Are

Carl Richards — Thu, 29 Aug 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl discusses the often-overlooked aspect of financial planning: understanding your current position. While it might seem simple, Carl explains that assessing where you are today is actually a complex process influenced by emotions and personal values. Using the metaphor of an explorer's map, he shows how your starting point—whether it's a balance sheet or your core values—shapes your financial journey. Tune in to learn why getting clear about your present is an ongoing practice and how it impacts your path to financial goals.

1133 | Turning to Thank Past Behavior

Carl Richards — Wed, 28 Aug 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl shares a personal story about his surprising reaction to using a credit card—an instinctive response rooted in old financial anxieties. Why do these ingrained behaviors stick with us even when they're no longer helpful? And how can we start changing these patterns? Carl offers a compassionate approach by recognizing and thanking these old habits for their past role, then suggests a kinder way to rewire our mindset about money.

1132 | First Experience With Money

Carl Richards — Tue, 27 Aug 2024 05:13:05 -0600

In this episode of Behavior Gap Radio, Carl asks listeners to reflect on their earliest memory of money and how it influences their current relationship with it. What childhood experiences shaped your financial behaviors? How do these early memories affect your beliefs about money today? Drawing from his work at 50 Fires, Carl explores how authority figures or even the tooth fairy play a role. He encourages you to explore these formative moments and use simple awareness—asking yourself, "Isn't that interesting?"—to gain insights into your financial mindset. This episode helps connect the dots between your past and present attitudes toward money.

Listen to 50 Fires: Money and Meaning here: https://podcasts.apple.com/us/podcast/50-fires-money-and-meaning-with-carl-richards/id1709551590

1131 | An Essay on Alignment

Carl Richards — Mon, 26 Aug 2024 14:22:53 -0600

Today, Carl explores the concept of alignment—what it means to be truly aligned with your sources of capital: time, money, energy, and attention. How does it feel when you're in alignment with what's important to you? What happens when you drift out of alignment, and how can you recognize and adjust when that happens? Carl discusses the balance (and sometimes planned imbalance) in our lives and the importance of being aware of how we use our resources.

1130 | Money & Power

Carl Richards — Fri, 23 Aug 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl dives into the complex relationship between money and power. How do you think about money and power in your life? Are there times when financial decisions might stray from your core values due to external pressures or incentives? Carl discusses the importance of being aware of these dynamics, recognizing when money becomes a proxy for power, and choosing to navigate these forces with love and grace. He encourages listeners to reflect on their own relationship with money and power and how they can maintain alignment with their true values.

1129 | Version Zero

Carl Richards — Thu, 22 Aug 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl tackles a common challenge: the fear of sharing your work. How often does fear hide behind excuses? What if you embraced "version zero" and released your project, flaws and all? Carl shares his favorite strategy for turning fear into action, helping you take that first step with confidence, no matter the creative project.

1128 | The Next Step

Carl Richards — Wed, 21 Aug 2024 01:00:00 -0600

Carl dives into the power of micro-actions and the importance of taking the next smallest step when navigating complex challenges, whether in work, life, or personal projects. Drawing from his own experiences and insights from experts like James Clear, Carl emphasizes that progress isn't about giant leaps but about consistently moving forward with tiny, deliberate steps.

1127 | Having Too Much Is a Problem

Carl Richards — Tue, 20 Aug 2024 01:00:00 -0600

Carl reflects on a conversation with sitcom writer and comic King Hassan, who offers an interesting perspective: What if we focused on solving major issues instead of celebrating them? How does this shift change our view of progress? Join Carl as he explores this thought-provoking idea and its impact on how we define success.

Want to hear Carl's conversations with King Hassan? Listen to 50 Fires: Money and Meaning here: https://podcasts.apple.com/us/podcast/comedian-and-former-police-officer-king-hassan-on/id1709551590?i=1000666085069

1126 | Money and Identity

Carl Richards — Mon, 19 Aug 2024 01:00:00 -0600

Have you ever made assumptions based on someone's wealth? How does financial status affect our view of a person’s worth? In this episode of Behavior Gap Radio, Carl Richards opens up about how money can shape our judgments of others. Carl shares personal stories and challenges the tendency to equate money with value, urging us to approach others with empathy and grace instead.

1125 | The Practice of Money

Carl Richards — Fri, 16 Aug 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl Richards dives into the essence of Real Financial Planning, which he defines as the continuous process of aligning your use of capital—time, money, energy, and attention—with what truly matters to you. Using the metaphor of two shifting circles, Carl illustrates how both our resources and our priorities are in constant motion, requiring ongoing adjustments to keep them in harmony. He emphasizes the importance of experimenting, acknowledging changes in what we value, and embracing the practice of aligning our capital with our evolving goals.

1124 | The Return on Relationships

Carl Richards — Thu, 15 Aug 2024 01:00:00 -0600

How do time, money, energy, and attention impact our connections with others? Today, Carl explores the key investments we make in relationships. Why is attention, paired with intention, so important? Carl discusses how these resources deepen relationships and create the greatest returns in life.

1123 | Efficient Relationships

Carl Richards — Wed, 14 Aug 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl explores the modern obsession with efficiency and questions its place in our personal lives. While metrics and dashboards might drive success in business, Carl humorously points out the absurdity of applying the same logic to human relationships. Carl talks about why he believes efficiency should never be the goal in our connections with loved ones.

1122 | The Generous Act of Attention

Carl Richards — Tue, 13 Aug 2024 01:00:00 -0600

How are you investing your attention in your relationships? Are you being mindful enough? Today, Carl Richards explores the idea of attention as a form of capital and its critical role in building meaningful connections. Inspired by a quote from Simone Weil, Carl discusses how paying attention can be one of the most generous acts we can offer others. During a recent retreat, Carl was asked why he views attention as one of the four key sources of capital—alongside time, money, and energy. This question led him to reflect on the fleeting nature of attention and the importance of being intentional with where we focus it.

1121 | Paying Attention to My Intention

Carl Richards — Mon, 12 Aug 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl explores the impact of intention on our actions and relationships. He reflects on how the true purpose behind our actions can transform their outcomes, particularly in the relationships that matter most. Carl discusses the importance of being mindful of our intentions, whether in everyday activities like gift-giving or in more significant decisions involving time, money, energy, and attention. Carl challenges listeners to "pay attention to their intention" as a valuable practice for living more authentically.

1120 | Preoccupation With Money

Carl Richards — Fri, 09 Aug 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl tackles the concept of being preoccupied with money, exploring what it means to have all of one's attention absorbed by financial concerns. He reflects on how this preoccupation can shift money from being a tool to becoming the central goal, something often celebrated in our culture. Carl shares his mission to change this mindset, advocating for a focus on passion, impact, and the joy of work rather than financial gain.

1119 | A Sense of Meaning

Carl Richards — Thu, 08 Aug 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl Richards explores the quest for meaning in our lives, examining how we, as "meaning-making machines," constantly seek sources of purpose and fulfillment. He discusses the contrast between enduring and fleeting sources of meaning, questioning the stability of external achievements compared to the deeper value found in relationships, community, and experiences. Carl also talks about the role of money as a tool to create meaning, emphasizing the importance of aligning financial decisions with what truly matters. He leaves listeners with a question: Where do you find your sense of meaning?

1118 | Draw a New Map

Carl Richards — Wed, 07 Aug 2024 01:00:00 -0600

Are you using outdated "maps" in your life? What familiar systems are you clinging to? Do you have the courage to create new paths? Today, Carl explores the idea of navigating life with outdated or inaccurate "maps"—the frameworks we rely on but may no longer serve us. He highlights our tendency to cling to familiar systems, even when they're flawed, and challenges listeners to recognize when it's time to create new paths. Using the analogy of baking cookies with salt instead of sugar, Carl emphasizes the importance of letting go of what doesn't work and drawing new maps.

1117 | The Relative Nature of Enough

Carl Richards — Tue, 06 Aug 2024 01:00:00 -0600

How do you define what is enough for you? In this episode of Behavior Gap Radio, Carl explores the concept of "enough" and emphasizes its relative nature. He discusses how each person's definition of enough varies based on individual circumstances and environments. Carl highlights the temptation to compare ourselves to others and use external benchmarks to define enough, which can lead to confusion and judgment. Are you comparing your "enough" to others? Can you embrace your personal definition of enough without external validation? He encourages listeners to focus on their own sense of enough and get comfortable with it, despite the challenges.

1116 | Stop Trying to Spend Less

Carl Richards — Mon, 05 Aug 2024 01:00:00 -0600

Have you ever wondered what it takes to truly change your relationship with money? Carl suggests that the key is to stop trying so hard. Instead of forcing yourself to change, he advocates for focusing on simple awareness. By merely noticing your spending habits without judgment, you open the door to natural, stress-free behavior changes. After trying this approach for 30 days, what changes did you notice? Let Carl know by emailing him at hello@behaviorgap.com!

1115 | I Don't Have to Think About It

Carl Richards — Fri, 02 Aug 2024 01:00:00 -0600

How do you define enough in your life? Carl explores the concept of "having enough" on today's episode of Behavior Gap Radio. He shares a conversation where someone defines it as having enough money so they no longer have to think about it. He reflects on how many people continue to focus on money even when they have plenty and questions whether this focus is a distraction from what truly matters. What would it mean for you to have enough? Carl suggests that when money is no longer the central focus, it can be a tool that operates in the background, allowing more attention to be given to the things that truly matter.

1114 | What Is Travel and Awe Worth?

Carl Richards — Thu, 01 Aug 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl reflects on his recent travels and the profound impact they had on his perspective. After sending his daughter off to the Olympics, Carl explores the historic streets of Barcelona, feeling both awe and humility in the face of centuries-old architecture and diverse cultures. He shares inspiring quotes about the transformative power of travel and the stories it creates, questioning the true value of these experiences. Today, Carl invites listeners to consider the worth of their own adventures and the unique feelings they evoke, challenging us to embrace the richness of exploration and the beauty of the unknown.

1113 | The Value of Travel, Story From Spain

Carl Richards — Wed, 31 Jul 2024 01:00:00 -0600

Carl shares a story on Behavior Gap Radio about traveling in Spain with his daughter. He talks through the contrast between the comfort of the Pyrenees mountains and the overwhelming chaos of Barcelona. As he navigates unfamiliar streets and faces discomfort, he realizes that this discomfort is the very reason he travels—it brings growth and a fresh perspective! What is the value you find in travel? How does travel change your perspective?

1112 | Moving to New Zealand, Investment Advice

Carl Richards — Tue, 30 Jul 2024 01:00:00 -0600

In this episode, Carl reflects on the idea of unconventional investment advice, sharing a personal story that defies traditional financial wisdom. He recounts how, despite his initial reservations, he followed the advice of a respected community leader to move his family to New Zealand—a decision that turned out to be one of the most valuable experiences of his life. Carl highlights how some of the best investment advice may not fit conventional definitions but can yield extraordinary returns in terms of personal growth and fulfillment. He invites listeners to broaden their thinking about what constitutes truly valuable advice!

1111 | The Best Investment Advice Part 2

Carl Richards — Mon, 29 Jul 2024 01:00:00 -0600

Carl recently discussed unconventional investment advice in a Behavior Gap Radio episode, drawing inspiration from a Wendell Berry quote about knowing where the rarest wildflowers are. He contrasts this with the disconnected advice often seen in mainstream financial media, which tends to ignore the broader impacts of investments, like those in companies selling unhealthy products. Carl is fascinated by the idea of "connected" investment advice, which values investments in time, money, energy, and attention.

What’s the best investment advice you’ve ever received? How does it align with your values? If you think about your return on life, happiness, and connection, what advice stands out? Carl invites listeners to share their thoughts and experiences by emailing him at hello@behaviorgap.com.

1110 | Sacrificing Certainty

Carl Richards — Fri, 26 Jul 2024 01:00:00 -0600

Today on Behavior Gap Radio, Carl talks about the nuanced relationship between risk and reward in investing, inspired by a thought-provoking quote from Howard Marks. He challenges the common misconception that taking on more risk automatically leads to higher returns, emphasizing that risk only offers the potential for reward, not a guarantee. Carl discusses the importance of skillfully and intelligently sacrificing certainty while keeping emotions in check and highlights the dangers of uncompensated risks, such as gambling on single stocks. This episode is a deep dive into understanding the true nature of risk and how to approach it with clarity and caution.

1109 | The Best Investment Advice

Carl Richards — Thu, 25 Jul 2024 01:00:00 -0600

In this episode, Carl reflects on the surprising value found in life's simplest moments, contrasting the desire for more extravagant experiences with the deep joy of quiet, everyday activities. He shares a personal story of finding peace in evening landscaping sessions, where the simplicity of nature brings lasting contentment. Inspired by a Wendell Berry quote, Carl explores the idea that true wealth lies in knowing where to find life's "rarest wildflowers," those quiet moments of happiness that require no explanation or defense—offering a unique perspective on what it means to invest in a fulfilling life.

1108 | Hyperlocal Investing Part 4

Carl Richards — Wed, 24 Jul 2024 01:00:00 -0600

Carl recently received an email from a listener who was deeply moved by his episodes on hyperlocal investing. The listener shared how forming relationships with local producers has become one of their greatest sources of happiness. 🌱 They make it a point to visit local markets in each new city, connect with vendors, and fill their home with locally made items. Carl relates strongly to this sentiment, finding joy in supporting local businesses. Wouldn't it be amazing if there was a marketplace or events dedicated to hyperlocal investing? How could such an idea be spread to others who feel the same way? If you have a story about hyperlocal investing, Carl would love to hear it. Email him at hello@behaviorgap.com.

1107 | Hyperlocal Investing Part 3

Carl Richards — Tue, 23 Jul 2024 01:00:00 -0600

Today, Carl is excited about the idea of hyperlocal investing! This morning, he visited his local farmer's market to buy honey and the experience was incredible. He had the chance to meet the beekeeper and learn about his passion for producing local honey, which is helping with Carl’s allergies. For Carl, this connection represents the “return on connection” (ROC). Investing locally offers more than just financial returns; it builds relationships and strengthens the community. How can you invest your time, energy, and money locally? What connections could you build today?

1106 | Two Types of Risk

Carl Richards — Mon, 22 Jul 2024 01:00:00 -0600

Carl shares a story from his rock climbing days, where he and a friend made mistakes that led to a serious accident. He reflects on two types of risk: "ignorant risk," where you don’t know the consequences, and "honest risk," where you understand the consequences but choose to proceed anyway. What risks are you taking without fully knowing the consequences? How can you ensure that your risks are more informed and intentional?

1105 | The Only Goal That Matters

Carl Richards — Fri, 19 Jul 2024 13:00:00 -0600

Do you know what your true desires are, free from societal influences? In this episode of Behavior Gap Radio, Carl shares an essay from his book, Volume One, titled "The Only Goal That Matters." He discusses the difficulty of identifying our true desires amidst societal influences, from family and peers to social media. Carl illustrates how we often adopt others' goals, leading us to make choices that don't align with our true selves. How important is personal clarity in investing? Carl says that the only goal that matters is your own! Accompanied by one of his favorite sketches, he visually represents the unique significance of individual goals in the midst of external pressures.

Volume One is sold out. You can learn about Carl's book, Volume Two, here: https://thesocietyofadvice.com/the-volumes-project

You can see his sketch, "The Only Goal That Matters" here: https://store.behaviorgap.com/products/the-only-goal-that-matters-color

1104 | Noticing Money Thoughts

Carl Richards — Thu, 18 Jul 2024 01:00:00 -0600

Have you ever thought about how paying attention to your pain could transform your relationship with money? In this episode of Behavior Gap Radio, Carl delves into profound insights from his conversation with Sharon Salzburg on the 50 Fires podcast. Sharon, a renowned meditation teacher, shared a valuable perspective on moving toward pain. Carl recounts a personal experience with a coach that sparked feelings of annoyance and how he applied Sharon's wisdom to understand and dissipate these emotions. By noticing and welcoming his feelings and exploring where they manifest in the body, Carl uncovers a deeper awareness of his reactions, particularly around money. How might practicing mindful awareness and self-inquiry change your financial mindset?

1103 | Which Credit Card To Use

Carl Richards — Wed, 17 Jul 2024 01:00:00 -0600

Carl tackles the often overwhelming topic of credit cards! After spending hours analyzing different options and rewards programs, he shares his ultimate advice: choose the credit card that allows you to think about it the least. Have you considered how much mental space you could free up by simplifying your credit card decisions? Carl emphasizes the importance of making an informed decision but then minimizing ongoing deliberation. By setting a specific time once a year to review your choice, you can avoid constant stress and stay focused on what truly matters. What would you do with the extra mental space from this approach?

1102 | Honor Money as a Teacher

Carl Richards — Tue, 16 Jul 2024 01:00:00 -0600

Carl reflects on the profound insights from his conversations with Sharon Salzburg and Pete Holmes on the 50 Fires podcast about the dual nature of financial mindfulness. How do you balance financial peace with handling daily expenses? Carl explores the balance between moments of financial peace at "65,000 feet" and the practical necessity of managing daily expenses. Sharon emphasizes honoring this tension rather than seeking to resolve it, suggesting that awareness itself is the key. Have you considered treating each financial interaction as an opportunity for mindfulness? Carl introduces the idea of using simple noticing without judgment as a transformative practice.

Want to hear Carl's conversations with Sharon Salzburg and Pete Holmes? Listen to 50 Fires: Money and Meaning here: https://podcasts.apple.com/us/podcast/50-fires-money-and-meaning-with-carl-richards/id1709551590

1101 | The Practice of Enoughness

Carl Richards — Mon, 15 Jul 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl discusses the concept of "enoughness," reflecting on those rare moments when he feels a deep sense of being and having enough. How often do you experience that feeling of contentment? Carl contrasts these moments with the pervasive fear of financial insecurity that dominates our culture, which often drives us to obsess over tactical financial decisions. Have you ever wondered if true financial peace comes from addressing our internal wiring around scarcity and security? Carl emphasizes that it does, and he explores how practicing awareness and understanding our emotional responses to money can help cultivate a lasting sense of enoughness, beyond just numbers and financial products!

1100 | The Bigger Goal!

Carl Richards — Fri, 12 Jul 2024 01:00:00 -0600

Carl shares insights from his recent conversation with Sharon Salzberg on 50 Fires. Sharon challenged Carl's views by suggesting that our goals are often too modest and trivial, urging a focus on deeper values like feeling secure and validated rather than materialistic aspirations. How might understanding the true purpose behind our goals shift our approach to achieving them? Tune in to explore how shifting your perspective on goals can lead to more meaningful and fulfilling outcomes.

Listen to 50 Fires: Money and Meaning here: https://podcasts.apple.com/us/podcast/50-fires-money-and-meaning-with-carl-richards/id1709551590

1099 | Change the Norms or the Group

Carl Richards — Thu, 11 Jul 2024 01:00:00 -0600

In this episode, Carl uses a story of a friend to underscores a broader issue: how societal norms and local culture can significantly influence our habits and goals. How can we effectively navigate or even change our environment to better align with our personal values?

1098 | Spend the Money

Carl Richards — Wed, 10 Jul 2024 01:00:00 -0600

Today, Carl reminds us that investing in experiences with loved ones offers far greater returns than spending on material possessions. It may feel like a luxury, especially when the expense isn't in the budget, but these moments create lasting memories and joy. How often do we let guilt or fear prevent us from spending on what truly matters?

1097 | The Value of Less

Carl Richards — Tue, 09 Jul 2024 01:00:00 -0600

In a world overflowing with information, how much do you value the process of distilling wisdom into its most essential form? In this episode of Behavior Gap Radio, Carl explores the value of distillation and brevity. He reflects on how creating concise, meaningful content takes significant effort, likening his podcast to a draft that will eventually become a refined essay or book. Carl poses an intriguing question: What is the worth of distillation and editing in your life?

1096 | Remember, Remember, Remember

Carl Richards — Mon, 08 Jul 2024 01:00:00 -0600

Carl examines recency bias, the tendency to project recent events into the future, especially during financial ups and downs. How can recency bias lead us to make irrational financial decisions based on fear or greed? Carl stresses the need for a resilient financial plan that anticipates market changes and encourages expanding our perspective beyond recent events. By broadening our view, can we better navigate financial decisions and avoid the traps of recency bias?

1095 | Love Compounds Quietly

Carl Richards — Thu, 04 Jul 2024 01:00:00 -0600

How can we shift focus from the fleeting appeal of negativity to the enduring value of positive connections? In this episode of Behavior Gap Radio, Carl reflects on the subtle yet profound impact of love and kindness. He questions how we can cultivate these quiet virtues amid a world often dominated by loud, negative attention.

1094 | Money's Job Description

Carl Richards — Wed, 03 Jul 2024 01:00:00 -0600

How can we redefine our sense of enough beyond just financial metrics? Today, Carl explores the concept of "enough." During a discussion with economist Stephanie Kelton, Carl asked her how she thinks about enough and what she hopes her daughter would say about her relationship with money in the future. Stephanie's response highlighted the importance of feeling secure, but she acknowledged that security isn't solely about money. Carl emphasizes that while some amount of money can make it easier to explore enoughness, tying the concept of enough to a specific number is futile!

Listen to 50 Fires: Money and Meaning here: https://podcasts.apple.com/us/podcast/50-fires-money-and-meaning-with-carl-richards/id1709551590

1093 | When the Money Runs Out

Carl Richards — Tue, 02 Jul 2024 01:00:00 -0600

In this episode, Carl addresses the deep-seated fear many have about running out of money. He reflects on how much of our anxiety about money stems from a future that may never happen, prompting the question, "What will we do when the money runs out?" This worry often distracts us from the present and the people we care about. Instead, Carl suggests we think of money as a flow, much like gathering firewood when needed, and reminds us of our inherent ability to handle challenges as they arise. How would our perspective on money change if we trusted in this flow?

1092 | Are You Sure?

Carl Richards — Mon, 01 Jul 2024 01:02:00 -0600

Have you ever questioned the truth of your money beliefs? Today, Carl explores the idea of honest money stories by asking, "Are you sure that's true?" He shares his journey of examining his own financial narratives and encourages listeners to question their own long-held beliefs about money. Carl discusses how self-judgment can arise during this process and stresses the importance of staying neutral. By challenging our stories, Carl aims to uncover deeper truths and build a healthier relationship with money.

1091 | My Honest Story About Money

Carl Richards — Fri, 28 Jun 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl reflects on a conversation with Shannah Game from the podcast "Everyone's Talkin' Money." Shannah's question, "What does money mean to you?" prompted Carl to examine his own relationship with money more honestly. Initially, he answered "freedom," but realized this was a mask for his true feelings of fear and anxiety about finances. How often do we hide our real emotions about money? Carl discusses how his family’s choices, like moving to New Zealand, were investments in experiences despite financial uncertainties. He shares his journey from fear to freedom, encouraging listeners to rethink their own financial stories.

Listen to Carl's episode of 50 Fires: Money and Meaning with Shannah Game here: https://podcasts.apple.com/us/podcast/finding-financial-forgiveness-with-trauma-of/id1709551590?i=1000661018142

1090 | Honest Money Stories

Carl Richards — Thu, 27 Jun 2024 02:01:00 -0600

In this episode of Behavior Gap Radio, Carl explores the concept of "honest money stories." Reflecting on personal experiences and conversations with friends, he delves into the common tendency to use financial limitations as a shield to avoid meaningful discussions about choices and priorities. Why do we often hide behind money when discussing our true values? Carl emphasizes the importance of being truthful about why we spend or save money the way we do, challenging listeners to rethink their narratives around affordability. Join Carl as he navigates the path to financial honesty and the deeper conversations it can inspire.

1089 | Pain of Change

Carl Richards — Wed, 26 Jun 2024 01:02:00 -0600

Today, Carl explores the complexities of making life changes, sharing personal stories and insights from a friend. Why do long-standing habits and behaviors often serve a deeper purpose, even when we want to change them? Carl talks about his struggles with sugar consumption and the "starving artist" mindset. He explains that real change happens when the discomfort of staying the same outweighs the pain of changing.

1088 | The Overconfidence Gap

Carl Richards — Tue, 25 Jun 2024 19:01:33 -0600

Are you too confident for your own good? In this episode of Behavior Gap Radio, Carl explores the "overconfidence gap," where confidence exceeds competence, leading to big mistakes. He draws on insights from Nobel laureate Daniel Kahneman and the Dunning-Kruger effect to show how overconfidence can hinder growth. Carl shares personal stories and practical advice on staying open to new knowledge and embracing humility. Tune in to learn how recognizing and addressing the overconfidence gap can improve your judgment and relationships.

1087 | Cultivating Positive Vibes

Carl Richards — Mon, 24 Jun 2024 01:02:00 -0600

In this episode of Behavior Gap Radio, Carl talks about how a single thought or brief interaction can transform our perspective and mood. He explores the idea that we're often just one thought away from seeing the world differently!

1086 | Hyperlocal Investment Results

Carl Richards — Thu, 20 Jun 2024 01:01:00 -0600

In this episode of Behavior Gap Radio, Carl talks about his visit to the local farmers market and the idea of hyperlocal investing. He shares his meaningful interactions with vendors, like buying honey to help with allergies and chatting with a goat milk farmer. Carl reflects on the sense of community and connection he felt, highlighting how investing time and money locally can bring a unique return on happiness. He encourages listeners to visit their local markets, invest in their communities, and share their experiences with him by emailing hello@behaviorgap.com.

1085 | Hyperlocal Investing

Carl Richards — Wed, 19 Jun 2024 01:01:00 -0600

Today, Carl delves into the concept of hyperlocal investing, exploring its potential to foster deep connections within our communities. Sharing a story about a flower farmer's journey, he illustrates the tangible and emotional returns of investing locally. Listen in as Carl invites listeners to conduct a personal experiment by supporting their local farmers market or small businesses, paying close attention to the sense of connection and happiness it brings!

1084 | Intolerable Uncertainty

Carl Richards — Tue, 18 Jun 2024 07:17:53 -0600

Ever wonder why we resist uncertainty? In this episode of Behavior Gap Radio, Carl explores our natural tendency to avoid the unpredictable by creating stories and narratives. He challenges listeners to be themselves and find comfort in not knowing what comes next.

1083 | Do Your Thing Request 874

Carl Richards — Mon, 17 Jun 2024 02:01:00 -0600

What would happen if you dust off that long-forgotten dream? You know the one! It's the one you've buried under years of practicality and societal expectations. Through vivid anecdotes and genuine empathy, Carl reminds you of the importance of following your passion. He emphasizes how your unique contribution can light up the world, making life better for everyone, including himself.

1082 | Spending Other People's Attention

Carl Richards — Fri, 14 Jun 2024 01:02:00 -0600

In this episode of Behavior Gap Radio, Carl explores "attention equity" and the value of the attention people invest in consuming content. Have you thought about how time and attention differ? Carl shares a personal story to highlight the importance of being mindful when asking for others' attention. He discusses balancing reaching the right audience without overwhelming them, ensuring every interaction feels like an investment, not an expense.

1081 | Who Pays for Your Work?

Carl Richards — Thu, 13 Jun 2024 01:07:00 -0600

Today, Carl explores the dual questions: "Who is my work for?" and "Who is willing to pay for it?" Reflecting on two decades of aligning his work with personal values, Carl discusses the impact of his work on individuals striving to make more aligned decisions with their capital. He shares insights into the distinct group that values his expertise—financial advisors who seek to integrate these principles into their practices.

1080 | It's Just Business

Carl Richards — Wed, 12 Jun 2024 01:02:00 -0600

Carl discusses the pervasive mantra of "it's just business" and challenges its ethical implications. Reflecting on a conversation with a landscape consultant, Carl explores the notion that business and personal ethics should not be separate entities. Carl talks about the importance of aligning personal values with professional practices. He questions the validity of using business as an excuse for moral ambiguity, arguing that honesty and integrity should transcend all aspects of life, whether in business or politics. Today, Carl invites listeners to reconsider the meaning of "it's just business.

1079 | The Very Next Step

Carl Richards — Tue, 11 Jun 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl shares insights on tackling seemingly insurmountable problems, comparing them to climbing Mount Olympus in Salt Lake City. Using personal stories, he illustrates how taking the next step can reveal new perspectives and solutions. Carl emphasizes that action, rather than endless contemplation, is key to overcoming challenges. It's time to embrace uncertainty and take that crucial first step!

1078 | Intergenerational Self Worth

Carl Richards — Mon, 10 Jun 2024 02:00:00 -0600

Is accumulating wealth for future generations really the ultimate goal? In this episode of Behavior Gap Radio, Carl explores intergenerational wealth and its impact on our lives. He challenges this idea, advocating instead for creating memories, love, and self-worth. Drawing from personal experiences, like choosing time with his children over financial gains, Carl questions the true value of wealth and its unintended consequences. What is more important to you: wealth or meaningful experiences?

1077 | Don't Resist, Replace

Carl Richards — Fri, 07 Jun 2024 02:01:00 -0600

How can we stop resisting and start replacing? Today, Carl explores the concept of "don't resist, replace." He shares insights on shifting focus from avoiding behaviors to replacing them with more engaging activities. Carl shares how this approach can lead to deeper engagement and time well spent. Can replacing resistance with positive actions enhance productivity and well-being? Listen to today's episode to find out how this simple shift can transform your life.

1076 | Want to Solve a Problem, Stop Trying

Carl Richards — Thu, 06 Jun 2024 02:07:00 -0600

In this episode of Behavior Gap Radio, Carl shares a field note from a recent mountain bike ride, exploring this topic: How can associative thinking change the way we solve problems? He reflects on how activities like biking can be part of work, helping solve problems through movement and flow. Does stepping away from active problem-solving and engaging in outdoor activities lead to breakthroughs? Perhaps sometimes stopping the effort might be the key to finding solutions!

1075 | Three Ways to Deal With Comparison

Carl Richards — Wed, 05 Jun 2024 01:02:00 -0600

How does cultivating your comparison set impact your well-being? Carl discusses this concept and its effects on personal happiness. He explores how comparisons, often driven by social media and societal standards, can undermine confidence. Are we thoughtful about the sources of our comparisons and aware of our own values? Carl shares strategies to navigate the noise, seeing it as theater and engaging in meaningful conversations.

1074 | Fierce With Reality

Carl Richards — Tue, 04 Jun 2024 01:07:00 -0600

In this episode of Behavior Gap Radio, Carl discusses the concept of being "fierce with reality," inspired by a conversation with his friend Aaron and a poem by Florida Scott Maxwell. Carl explores the meaning of truly claiming and possessing all that we have been and done, leading to a sense of wholeness and honesty in our lives. He reflects on how embracing our past without letting it define our future can help us move forward with integrity and authenticity. How can we live a life aligned with our true selves?

1073 | All Plans Are Wrong. Some Are Useful.

Carl Richards — Mon, 03 Jun 2024 01:04:00 -0600

Carl challenges the conventional approach to planning with the idea that "all plans are wrong, but some are useful." Inspired by George Box's famous quote, Carl extends this concept to financial, business, and life plans. He emphasizes the importance of focusing on the usefulness of plans rather than their accuracy, fostering a mindset of curiosity, resilience, and adaptability. There is grace in accepting the complexity and uncertainty of planning! Carl says this perspective can lead to more sustainable and meaningful outcomes.

1072 | When Point A Is No Longer Point A

Carl Richards — Fri, 31 May 2024 01:05:00 -0600

In this episode, Carl dives deep into the complexities of planning in the ever-changing landscape of life. Reflecting on insights from recent retreats, he explores what happens when our starting point (A) and destination (B) shift, making traditional planning models obsolete. Join Carl on this journey of discovery and find out what it means when A is no longer A!

1071 | One Weird Trick

Carl Richards — Thu, 30 May 2024 01:07:00 -0600

Today, Carl shares a game-changing tip for managing overwhelming email inboxes. Introducing SaneBox and its feature, Sane Black Hole, Carl explains how this tool has transformed his email management by seamlessly filtering out unwanted messages. Listen in for a simple yet effective trick that can clean up your inbox and reclaim your time!

1070 | Everything Becomes Easier

Carl Richards — Wed, 29 May 2024 01:07:00 -0600

Carl reflects on a profound retreat held at his home, where the unexpected but central question emerged: "How do I figure out who I really am?" Through candid discussions and personal insights, Carl explores the importance of self-discovery, the challenge of committing to one's true desires, and the impact of these revelations on our lives and work. Today, Carl talks about how to explore the essence of who you are, the legacy you wish to leave, and the rituals that can help maintain this clarity amidst life's distractions.

Do you want announcements about future retreats at Carl's home? Just tell him where to send your invitation: https://dancingwithdragons.com/

1069 | People Who Pay

Carl Richards — Tue, 28 May 2024 06:59:50 -0600

In this brief and impactful field episode of Behavior Gap Radio, Carl presents a thought-provoking statement: "People who pay, pay attention."

1068 | It's About Fear

Carl Richards — Fri, 24 May 2024 06:11:49 -0600

Tag along with Carl in this special early morning edition of Behavior Gap Radio as he shares his reflections from a transformative retreat with financial advisors at his home in Utah.

Despite the tactical challenges we face, Carl reveals that the root of our struggles often lies in fear. Through personal anecdotes and heartfelt insights, he explores how we can find tactical answers easily but struggle to act due to underlying fears. Discover the power of embracing the quiet, calm voice within us, urging us to slow down and find contentment amidst a world demanding more, bigger, and faster.

Do you want announcements about future retreats at Carl's home? Just tell him where to send your invitation: https://dancingwithdragons.com/

1067 | Is Anyone Listening?

Carl Richards — Thu, 23 May 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl shares a personal story about the doubts and uncertainties that sometimes accompany his work. While grappling with feelings of insignificance, he received an uplifting voice memo from a friend who credited Carl's work for inspiring a major life decision. This touching moment reminded Carl of the importance of expressing gratitude and acknowledging the impact others have on our lives. He encourages listeners to reach out and thank those who have influenced them, underscoring that even those who seem confident might need a reminder of their positive impact.

1066 | The Step You Don’t Want to Take

Carl Richards — Wed, 22 May 2024 06:50:51 -0600

Carl talks about scaling businesses on today's episode of Behavior Gap Radio. Listen to him address the common concerns of expanding impact, revenue, and client base. Drawing from his own experiences and ongoing reflections, Carl emphasizes the importance of focusing on immediate, small steps rather than overwhelming long-term goals. He shares the wisdom of "doing things that can't scale," and complements his advice with David White's inspiring poem, "Start Close In." It's time to remind ourselves to prioritize the next actionable step, embrace simplicity, and cultivate personal questions over external pressures!

1065 | Telling Our Money Stories

Carl Richards — Tue, 21 May 2024 01:00:00 -0600

In this episode, Carl reflects on his experiences hosting the podcast "50 Fires," where he explores the deep connections between money and meaning. He shares surprising insights from guests who vividly recall their earliest money memories and reveals how these unspoken stories influence their financial decisions. Drawing on a powerful Carl Jung quote, Carl emphasizes the importance of bringing these hidden narratives to light. He encourages listeners to engage in meaningful conversations about money, suggesting a simple yet profound exercise: Ask someone close to you about their earliest money memory and reflect on its impact!

Listen to 50 Fires: Money and Meaning with Carl Richards: https://apple.co/47o5vP0

1064 | Extreme Delayed Gratification

Carl Richards — Mon, 20 May 2024 01:00:00 -0600

Carl critiques the concept of extreme delayed gratification, likening it to a competitive sport. He shares a story of a debate over how to eat a muffin to illustrate how our culture often places too much emphasis on postponing joy! Carl argues that this mindset can lead to missing out on meaningful moments in life. He encourages listeners to embrace the present, enjoy simple pleasures, and prioritize experiences that bring happiness and connection.

1063 | Fear-Based Financial Planning

Carl Richards — Fri, 17 May 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl talks about fear-based financial planning. He explores why many of us tend to delay gratification and make financial decisions driven by fear. Carl suggests that this behavior is often influenced by a societal overemphasis on saving for the future at the expense of enjoying the present. He makes a connection between this mindset and the idea of earning one's way to a better future, akin to an afterlife or heaven. Carl unpacks these ideas and challenges the fear-driven narratives that dominate much of the financial advice industry!

1062 | Buying High, Selling Low

Carl Richards — Thu, 16 May 2024 01:00:00 -0600

Carl shares insights from his recent conversation with Barry Ritholtz, host of Bloomberg Radio's "At the Money." Carl discusses a common question: Why do we often make irrational investment decisions, like buying high and selling low, despite knowing better? Listen in on an exploration of behavioral finance, the psychology of investing, and practical strategies to avoid common pitfalls!

1061 | So I Missed a Few Days

Carl Richards — Wed, 15 May 2024 07:09:54 -0600

Carl missed a few days of podcasting, and he shares the mixed emotions it stirred! He tells listeners about his internal debate about balancing self-compassion with commitment and how his approach to these situations has evolved over the years. Keep listening because Carl updates listeners on some exciting projects he's been working on, including building The Society of Advice, writing a new book, and preparing for an upcoming retreat at his home in Park City, Utah.

Get notified about Carl's next retreat here: https://www.dancingwithdragons.com/

1060 | Where's The Scale?

Carl Richards — Thu, 09 May 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl dives into the concept of confirmation bias, illustrating its insidious nature through personal stories. He recounts his own experiences, from avoiding the scale on days after poor eating choices to misinterpreting dates for a wilderness first responder course, to demonstrate how this cognitive bias leads us to ignore evidence that contradicts our beliefs. Carl explains how confirmation bias protects our ego by reinforcing our existing views, making it challenging to accept that we might be wrong. He offers practical advice on combating this bias by intentionally seeking out contradictory information and considering alternative perspectives. Join Carl as he explores the pitfalls of confirmation bias and shares strategies to overcome it!

1059 | What Process Are You Using?

Carl Richards — Wed, 08 May 2024 01:00:00 -0600

Today, Carl talks about the importance of sound decision-making processes, particularly in high-stakes environments like the mountains and financial markets. He explores the often-overlooked rigor needed in decision-making and the concept of "non-event feedback," where bad decisions can lead to seemingly good outcomes by sheer luck. Carl highlights the necessity of understanding the environment in which decisions are made to ensure that processes are aligned with the risks involved.

1058 | Wrongness Shows Up

Carl Richards — Tue, 07 May 2024 01:00:00 -0600

Carl reflects on the immediate consequences of his last-minute, intense approach to tasks. After missing the start of a long-anticipated wilderness first responder course due to a critical scheduling oversight, Carl shares the humbling experience and its lessons. He recounts how his ingrained work habits and cognitive biases led to this error, prompting a reassessment of his productivity methods. Tune in to hear Carl’s candid exploration of the downsides of procrastination and the importance of double-checking details, as well as his insights on adapting and improving his approach to avoid future pitfalls!

1057 | Investing Attention With Intensity

Carl Richards — Mon, 06 May 2024 01:00:00 -0600

Today, on Behavior Gap Radio, Carl explores the unconventional but highly effective way he manages his professional tasks and continuing education requirements. By leveraging the power of intense, focused work sessions followed by ample downtime, Carl discovers that cramming and crushing tasks right before deadlines might be more suited to his productivity style than a traditional, steady workflow. He reflects on the benefits and potential pitfalls of this approach.

1056 | Your Net Worth is Showing

Carl Richards — Fri, 03 May 2024 01:00:00 -0600

Imagine if everyone you encountered had a visible net worth sign above their heads, updated hourly. In this hypothetical exploration, Carl challenges listeners to consider how their perceptions and behaviors would change based on this transparency.

1055 | Compensated Risk

Carl Richards — Thu, 02 May 2024 01:00:00 -0600

Carl talks through the concept of compensated risk in finance and investing. With insightful clarity, Carl distinguishes between compensated and uncompensated risks, emphasizing the importance of optimizing investment strategies for reliable returns. Through relatable analogies and practical advice, Carl empowers listeners to navigate the complexities of investing by identifying and mitigating uncompensated risks.

If you liked this episode, you'd LOVE Carl's Weekly Letter. 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/

1054 | Opt Out

Carl Richards — Wed, 01 May 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl challenges the societal pressure to conform to external expectations and the relentless pursuit of materialistic ideals. He explores the illusion of "keeping up" and the true sources of happiness and longevity, rooted in meaningful connections and experiences. Tune in to reflect on what truly matters and break free from the cycle of consumption-driven happiness!

1053 | Woke up in Fear

Carl Richards — Tue, 30 Apr 2024 01:13:00 -0600

Today, Carl talks about a moment when he woke up early in the morning feeling anxious and scared about money. He shares how he realized that, at that moment, everything was actually okay. Carl talks about how he used to worry a lot about the future and feel bad about things from the past, but now he's learning to find happiness in just being in the now. Listen to this episode as a reminder to enjoy the simple moments of life and be thankful for what you have right now.

1052 | Investing Attention

Carl Richards — Mon, 29 Apr 2024 01:11:00 -0600

Come along with Carl as he thinks deeply about the words of Blaise Pascal from 1654: "All of humanity's problems stem from man's inability to sit quietly in a room alone." He ponders why people often feel lonely even when surrounded by others. Carl talks about how important it is to spend time alone, even when life gets busy. Using his own experiences and ideas from poet David Whyte, Carl talks about how sometimes being alone can feel scary or make us wish for company. He also shares how he wants to get better at enjoying quiet moments and thinking deeply!

1051 | Counting Chickens

Carl Richards — Fri, 26 Apr 2024 01:00:00 -0600

Today, on Behavior Gap Radio, Carl talks about the age-old advice of not counting chickens before they hatch. Carl shares his own experiences grappling with the line between potential and reality. He explores the fine balance between optimism and practicality, stressing the value of embracing uncertainty and avoiding premature celebrations.

1050 | The Gap Is The Thing

Carl Richards — Thu, 25 Apr 2024 01:00:00 -0600

After a day of talks and walks in the mountains, Carl gets introspective. He dives into big questions about finding meaning and being creative, sparked by a chat with a singer-songwriter. Carl talks about the idea of "enough" versus always wanting more. With wisdom from philosophy and personal stories, Carl invites listeners to rethink the value of chasing goals by finding freedom in the journey itself!

1049 | What if They Said Yes?

Carl Richards — Wed, 24 Apr 2024 07:20:50 -0600

Carl reflects on something important: What if they say yes? Carl shows how believing in a positive outcome can change everything! He urges listeners to think differently about their doubts and fears and to see the amazing opportunities that come from just asking.

1048 | No Problem

Carl Richards — Tue, 23 Apr 2024 01:00:00 -0600

Today is another field note episode of Behavior Gap Radio! Carl shares insights from a recent challenging yet enriching experience in Zion National Park. As he confronts physical discomfort and mental projections during a long fast-pack trip, Carl explores the behavioral bias of recency bias. This is when the recent past is projected indefinitely into the future, often leading to unnecessary complications. Drawing from Eckhart Tolle's teachings in "The Power of Now," Carl encourages listeners to harness the power of staying present and embracing each step as it unfolds rather than succumbing to future projections.

1047 | Profit Equals Permission… A Reminder

Carl Richards — Mon, 22 Apr 2024 01:00:00 -0600

On this episode of Behavior Gap Radio, Carl dispels the misconception that passionately pursuing your craft and earning a living are incompatible pursuits. He talks through the significance of viewing profit as validation to continue making a meaningful impact in your work. With an emphasis on a service-oriented mindset, integrity, and sustainability, Carl urges listeners to embrace profit not as a taboo, but as a crucial tool for sustaining their dedication to excellence and service. Hear Carl speak about the harmony between purpose-driven work and financial success.

Carl released a series of five episodes from Behavior Gap Radio on using a lifestyle business to create freedom in your life. You'll hear Carl's thoughts on what it means to use a lifestyle business to optimize for freedom in your life and get a behind-the-scenes look at the tools we use around here at Behavior Gap to optimize for freedom. Carl also created a list of must-read resources to dive deeper into the material. Just tell us where to send you the episodes! https://behaviorgap.com/radio/lifestyle-business/

1046 | Have a Hunch, Buy a Bunch

Carl Richards — Fri, 19 Apr 2024 01:00:00 -0600

Join Carl for a field episode of Behavior Gap Radio, recorded on the move in Austin, Texas! Today, Carl reflects on the profound impact of adopting a rational approach to investing, grounded in data and evidence rather than being swayed by financial myths and rumors. By exploring the intricacies of portfolio construction and emphasizing the significance of each investment piece serving a purpose within the larger framework, Carl encourages listeners to reconsider their investment strategies to ensure alignment with their long-term goals and risk tolerance. Get ready for practical advice and a gentle reminder that informed investing requires thoughtful consideration and strategy, not mere hunches.

1045 | Obligation to Live Up

Carl Richards — Thu, 18 Apr 2024 01:00:00 -0600

Carl grapples with a paradox that many of us face in today's world: the overwhelming exposure to tragedy and suffering versus the desire to live life to the fullest. Carl discusses the feeling of existential dread brought on by constant news consumption and offers a remedy: embracing life wholeheartedly. Carl draws inspiration from Mary Oliver's poignant question: "Tell me, what is it you plan to do with your one wild and precious life?" from her poem "The Summer Day." Tune in for a heartfelt reflection on embracing life's precious moments and aligning personal values with intentional action.

1044 | No to Business Class

Carl Richards — Wed, 17 Apr 2024 01:00:00 -0600

Today, Carl explores the art of strategic decision-making and value alignment through two compelling stories. He shares how a smart public speaker transformed his business class travel perks into long-term investments, prioritizing financial stability over luxury. Then, Carl shares another story about how a simple parking choice paved the way for meaningful family dinners, highlighting the significance of aligning financial decisions with personal values. In this episode, Carl covers the importance of thoughtful decision-making, setting up automated systems, and maximizing the benefits of intentional choices!

1043 | The Declined Invitations Folder

Carl Richards — Tue, 16 Apr 2024 01:00:00 -0600

In this episode of Behavior Gap Radio, Carl shares a story about someone who mastered the art of politely turning down invitations that didn't match her priorities. She wasn't rude or dismissive; she simply knew what mattered most to her! Carl highlights her approach as a lesson in prioritization and focus. Saying no isn't about shutting people out. It's about saying yes to what truly matters!

1042 | The Asymmetry of Yes

Carl Richards — Mon, 15 Apr 2024 01:00:00 -0600

Today's field episode takes you on a journey of insight and reflection high in the Wasatch Mountains. Carl shares a revelation about the asymmetry between saying yes and saying no, coining the term "the yes propagation problem." He explores the cascading effects of saying yes and the precision of saying no, drawing parallels to snow avalanches to illustrate the concept's depth. Join Carl as he talks about the intricacies of decision-making and the power of understanding the implications of our choices.

1041 | It’s in the World

Carl Richards — Fri, 12 Apr 2024 04:54:33 -0600

In this episode of Behavior Gap Radio, Carl talks about the journey from idea to reality. From books to business ventures, Carl celebrates the transformative process of seeing a mere concept evolve into tangible existence. He encourages listeners to embrace their own creative endeavors, big or small, and revel in the joy of bringing ideas to life.

Don’t wait around for creativity to come to you by accident. Be creative on purpose. Carl released a series of four episodes from Behavior Gap Radio on creating things. Just tell us where to send you the episodes! https://behaviorgap.com/radio/the-process-of-creating-things/

1040 | Not Amenable to Hacks

Carl Richards — Thu, 11 Apr 2024 02:00:00 -0600

Today's episode of Behavior Gap Radio takes you on a field adventure high in the Wasatch Mountains. Carl shares an insight: The ultimate shortcut lies in embracing activities resistant to hacks and shortcuts. Carl challenges listeners to invest in endeavors that demand dedication and perseverance over time, transcending the allure of quick fixes. Tune in to discover the power of committing to the long haul and finding fulfillment in the journey itself!

1039 | A Life of Simple Calculation

Carl Richards — Wed, 10 Apr 2024 01:43:00 -0600

Carl celebrates the incredible milestone of over 1.3 million downloads, highlighting the power of compounding in the podcast's success!

1038 | What Makes You Come Alive

Carl Richards — Tue, 09 Apr 2024 02:00:00 -0600

Today, Carl dives into a big question: What gets you really excited? He takes inspiration from a quote by Dr. Howard Thurman and talks about how cool it is to follow what truly lights you up in life. Instead of just doing what everyone else expects or what society says is important, Carl suggests we should chase after the stuff that makes us feel alive inside! Imagine a world full of people doing what they love—that's the world Carl is aiming for. Tune in for a fresh take on finding our purpose and feeling alive in everything we do!

Carl released a series of five episodes from Behavior Gap Radio on finding and doing Your Thing. Carl believes that everyone has a Thing they are uniquely suited to do! It turns out that Your Thing is uncovered by learning to be yourself. Come along with him. Just tell us where to send the series: https://behaviorgap.com/radio/the-personal-thing-series/

1037 | Micro Adventures of Wonder and Awe

Carl Richards — Mon, 08 Apr 2024 02:07:00 -0600

In this episode, Carl shares a personal anecdote of a morning adventure. As he takes a journey on a familiar trail, he reflects on the abundance of micro adventures of awe and wonder awaiting just outside of our doorsteps. From sunrise vistas to simple moments of connection, Carl invites listeners to invest their time, energy, and attention in these small yet profound experiences. Savor the micro adventures of wonder and awe that surround you each day!

1036 | Investing in Presence

Carl Richards — Fri, 05 Apr 2024 02:02:00 -0600

Carl explores the profound impact of simply showing up for those we care about, especially in times of pain or struggle. Drawing from personal experiences, Carl emphasizes the invaluable investment of being there for others. He uses the mantra to "err on the side of presence" as a beacon of genuine connection and support in our relationships and communities.

1035 | The Disease of Certainty

Carl Richards — Thu, 04 Apr 2024 01:02:00 -0600

In this episode of Behavior Gap Radio, Carl explores our desire for certainty in a world inherently filled with uncertainty. Drawing from Robert Green's book "Mastery," Carl discusses how the need for certainty is deemed the greatest disease of the mind. Carl challenges listeners to reconsider their relationship with certainty and embrace the complexities of life!

1034 | Money As The Interface

Carl Richards — Wed, 03 Apr 2024 01:01:00 -0600

Today, Carl explores the relationship between money and values within the context of wisdom traditions. Carl reflects on why money holds such fascination for him despite claiming not to care about it. He argues that money serves as the interface where our values are expressed and where much of our trauma resides. He emphasizes the importance of healing this interface both individually and collectively, recognizing that true healing requires a holistic approach that considers our interdependent relationships with others. Carl suggests that through introspection and communal effort, we may be able to transcend the cycle of trauma and foster healthier attitudes toward money and each other.

1033 | The Upside of Uncertainty

Carl Richards — Tue, 02 Apr 2024 02:00:00 -0600

Embracing uncertainty has a profound impact on our lives! In a world where certainty is often sought after, Carl argues that uncertainty is not only inevitable but also holds immense value. He talks about how uncertainty brings about surprise and plot twists and ultimately shapes the most significant moments of our lives.

1032 | Error Correction System

Carl Richards — Mon, 01 Apr 2024 02:00:00 -0600

Carl talks about the interplay between our use of capital—which he defines as time, money, energy, and attention—and what truly matters to us. He navigates the complexities of self-awareness and the pursuit of authenticity in our daily lives.

1031 | Your Old Car

Carl Richards — Fri, 29 Mar 2024 02:00:00 -0600

In this episode of Behavior Gap radio, Carl shares a story about the complexities of social status and self-perception. He prompts listeners to explore their honest emotions in moments of perceived judgment and comparison.

1030 | What Does It Mean to Provide?

Carl Richards — Thu, 28 Mar 2024 02:00:00 -0600

On this episode of Behavior Gap Radio, Carl talks through a road trip with his wife, Cori, where he posed the question: What does it truly mean to provide? He encourages listeners to ask themselves the same question!

If you have an answer you'd like to share with Carl, email hello@behaviorgap.com.

1029 | Learn Something From Nothing

Carl Richards — Wed, 27 Mar 2024 02:00:00 -0600

On this episode of Behavior Gap Radio, Carl shares a quote from Mary Oliver that has been resonating with him deeply. "The dream of my life is to lie down by a slow river and stare at the light in the trees. To learn something by being nothing."

Carl reflects on the simplicity and power of this idea, especially in our fast-paced lives filled with constant thoughts and distractions. Perhaps we can find our own version of "lying down by a slow river" to learn and grow?

1028 | A Means of Exchange

Carl Richards — Tue, 26 Mar 2024 02:00:00 -0600

Carl reflects on the profound significance of the words we use to describe money, such as "means of exchange" and "store of value." He explores the historical context of exchanging goods and services, highlighting the personal connection and value inherent in these interactions. Carl will leave you with a question, "What does it mean to exchange?" He encourages us to contemplate the deeper implications of our relationship with money!

1027 | Money as a Tradeoff

Carl Richards — Mon, 25 Mar 2024 02:00:00 -0600

Carl explores the profound disconnect we've developed in our relationship with money, contrasting it with historical exchanges of goods and services imbued with personal connection. He emphasizes the importance of reconnecting with the essence of these exchanges, viewing money as a representation of life energy.

Listen to this episode and then stop to think about the trade-offs inherent in your financial decisions. Carl asks us to examine our relationship with money as a pathway to healing and wholeness.

1026 | A Relationship With Money

Carl Richards — Fri, 22 Mar 2024 02:00:00 -0600

In this episode of Behavior Gap Radio, Carl challenges listeners to reconsider their relationship with money. Drawing parallels between friendships and financial interactions, Carl prompts listeners to reflect on their emotional responses to money and envision a more positive relationship dynamic.

Carl shares a quick practice to try out today! He encourages listeners to articulate their relationship with money in three words and contemplate what a healthy relationship with money would entail.

If this episode made you think about your relationship with money, share your reflections with Carl by emailing hello@behaviorgap.com.

1025 | Thanking My Desire for More

Carl Richards — Thu, 21 Mar 2024 02:00:00 -0600

Carl addresses the pervasive struggle with the concept of "enough" and its roots in the human brain's scarcity mindset. Drawing insights from Michael Easter's book, "The Scarcity Brain," Carl explores how our brains are wired to constantly seek more. It turns out that we often associate "less" with negativity and view abundance as the ultimate goal. But in today's age of plenty, this mindset can lead to maladaptive behaviors.

In this episode of Behavior Gap Radio, Carl offers listeners a pathway toward embracing sufficiency and contentment!

1024 | The Arena in Which Greed and Generosity...

Carl Richards — Wed, 20 Mar 2024 02:00:00 -0600

In this episode of Behavior Gap Radio, Carl talks about the profound influence of money on our lives through a poignant quote from John Armstrong's book, "How to Worry Less About Money." Reflecting on the multifaceted nature of our relationship with money, Carl shares how it shapes our identity, attitudes toward others, and even societal dynamics. He challenges conventional notions of money as mere spreadsheets and calculators, highlighting its role in evoking feelings of anxiety, desire, and power. In this episode, Carl invites listeners to reconsider their perspectives on money and its broader implications on personal and societal well-being.

1023 | Were You a Rich Kid or a Poor One?

Carl Richards — Tue, 19 Mar 2024 02:00:00 -0600

"What economic class were you in junior high?" In this episode of Behavior Gap Radio, Carl reflects on the significance of this question.

Carl offers two follow-up questions to deepen the conversation:

"How did you know?"
"Can you share a story with me about how you knew?"

Have a story to share? Email Carl at hello@behaviorgap.com!

1022 | Your Earliest Memory

Carl Richards — Mon, 18 Mar 2024 02:00:00 -0600

In this episode of Behavior Gap Radio, Carl shares a powerful anecdote about the impact of meaningful conversations about money within relationships. Drawing from his podcast "50 Fires," Carl recounts how a simple question—what's your earliest memory of money?—led to profound insights between a financial planner friend and his spouse of 15 years. The resulting hour-long discussion went beyond tactical finances, revealing personal stories and childhood experiences that deepened their understanding of each other.

Carl encourages listeners to initiate similar conversations with their loved ones!

Listen to 50 Fires: Money and Meaning with Carl Richards: https://apple.co/47o5vP0

1021 | Protecting Personal Confidence

Carl Richards — Fri, 15 Mar 2024 11:36:54 -0600

In this episode of Behavior Gap Radio, Carl reflects on the importance of protecting confidence. He delves into the challenges of navigating social media and external feedback while creating meaningful work. With a commitment to prioritize craftsmanship and continuous improvement, Carl shares his dedication to producing high-quality content that resonates with his audience.

1020 | Certainty & Control

Carl Richards — Thu, 14 Mar 2024 02:00:00 -0600

Listen in as Carl explores the significance of certainty and control in various aspects of life, particularly with our finances. In this episode of Behavior Gap Radio, Carl highlights how our behaviors, tactics, and mindsets differ based on the level of certainty and control we perceive in different areas of our financial lives. Drawing from personal experiences, he emphasizes the importance of understanding and acknowledging these factors to make informed decisions and avoid disappointment.

1019 | Embracing Wrongness

Carl Richards — Wed, 13 Mar 2024 02:00:00 -0600

Today on Behavior Gap Radio is all about the importance of error correction mechanisms in our lives. Carl challenges the notion of avoiding being wrong and embracing the practice of actively seeking disconfirming evidence. Drawing from personal experiences, he reflects on how confirmation bias often leads us to defend our theories about the future, hindering our ability to adapt and learn. Instead, he advocates for celebrating errors as opportunities for growth and truth-seeking, suggesting that establishing conditions for being "less wrong" tomorrow is more valuable than striving for precise correctness today.

1018 | Learning The Wrong Lesson

Carl Richards — Tue, 12 Mar 2024 02:00:00 -0600

Join Carl as he shares a story from his early days of backcountry skiing, reflecting on the blurred line between good decisions and fortunate outcomes in uncertain environments. Recounting a risky adventure down an avalanche-prone slope, Carl explores the concept of "wicked learning environments" where feedback is delayed, infrequent, or inaccurate, leading to a potentially dangerous reinforcement of erroneous behaviors. Drawing parallels to financial decision-making and personal experiments, Carl offers insights into navigating uncertain terrain and recognizing the true nature of the environments we operate in.

1017 | Flow vs Forced

Carl Richards — Mon, 11 Mar 2024 02:00:00 -0600

Jumping off from episode 1016, Carl continues his exploration! This time, he focuses on the concepts of "forced" versus "flow" in navigating life's challenges and decisions. Reflecting on the distinction between tasks or decisions that feel coerced versus those that align effortlessly, Carl invites listeners to consider the subtle yet profound difference between forcing outcomes and allowing them to flow naturally. Carl shares that he thinks the right decisions often feel like they effortlessly fall into place, accompanied by a sense of clarity and momentum.

1016 | Hard vs Heavy

Carl Richards — Fri, 08 Mar 2024 02:00:00 -0700

In this episode, Carl explores the difference between "hard" and "heavy" in pursuing our goals. Reflecting on the concept of forcing functions and the distinction between tasks that feel natural versus those that require discipline, Carl unpacks the nuanced relationship between challenge and effort. Drawing from his own personal experiences, he invites listeners to consider the energizing nature of tackling difficult endeavors versus the draining weight of forcing oneself through grit alone.

1015 | Hire A Manager of Uncertainty

Carl Richards — Thu, 07 Mar 2024 02:00:00 -0700

This is a brief but impactful episode of Behavior Gap Radio! Carl challenges conventional wisdom surrounding certainty and uncertainty in decision-making. Whether you're a financial advisor, investor, or entrepreneur navigating complex landscapes, Carl's insight cuts to the core: Certainty is easy to sell but impossible to deliver. Instead, he advocates for embracing uncertainty and seeking out those skilled in managing it.

1014 | Success Hand-Waving Rant

Carl Richards — Wed, 06 Mar 2024 02:00:00 -0700

Today's episode of Behavior Gap Radio is all about Carl's concept of "success porn" and its implications on personal growth and achievement. Carl reflects on the prevalent culture of motivational speakers and internet gurus who preach about exponential growth and mindset shifts, arguing that success often transcends mere positive thinking. Drawing from his own experiences, Carl highlights the multifaceted nature of success, emphasizing the importance of product quality, market fit, and relentless iteration. In this episode, Carl challenges the notion of simplistic success formulas and urges listeners to focus on meaningful work and genuine resilience.

1013 | Risk and Resilience

Carl Richards — Tue, 05 Mar 2024 02:02:00 -0700

Join Carl on Behavior Gap Radio as he explores the intricacies of risk in our daily lives. Reflecting on his own statement, "Risk is what's left over after you think you've thought of everything," Carl examines the unseen hazards that exist beyond our awareness. Using backcountry skiing as a metaphor, he discusses the difference between risk and uncertainty, emphasizing the difficulty of preparing for the unexpected. Through personal stories and insights, he delves into the concept of general resilience as a means of navigating uncertainties and enhancing our ability to cope with life's unpredictable events.

1012 | Wicked Problems

Carl Richards — Mon, 04 Mar 2024 02:02:00 -0700

Today's episode explores the intricate realm of decision-making in uncertain environments. Carl reflects on the allure of navigating risky landscapes, drawing parallels between financial decisions and outdoor adventures. Using the concept of "wicked problems," Carl explores their complexity, emphasizing their interdependent nature and the absence of definitive solutions. With insights into characteristics and examples of wicked problems, he contrasts them with "kind learning environments."

1011 | Being Confident in the Simple Answer

Carl Richards — Fri, 01 Mar 2024 02:02:00 -0700

In this episode of Behavior Gap Radio, Carl examines the struggle of maintaining confidence in straightforward solutions amid complexity. Reflecting on a recent board meeting regarding software product changes, he discusses how simplicity can obscure the effort required behind it. Carl highlights the connection between presenting a clear answer and confidence in our own abilities. He thinks practicing clarity can alleviate doubts, and he differentiates between simplistic and elegantly simple solutions.

1010 | Intuition Part 2

Carl Richards — Thu, 29 Feb 2024 02:07:00 -0700

Carl shares a candid reflection on the role of intuition in high-risk decision-making scenarios. Following up on listener feedback from episode 1008, "Intuition," Carl talks through the nuanced interplay between intuition and stoke, exploring how to discern between gut feelings and mere excitement. Drawing from personal anecdotes, Carl navigates the complexities of intuition, particularly in unconventional career choices and significant life decisions.

Hear the episode "Intuition" that Carl references:
https://podcasts.apple.com/us/podcast/1008-intuition/id1034934586?i=1000647197424

1009 | Probability vs Consequence

Carl Richards — Wed, 28 Feb 2024 02:04:00 -0700

In this episode of Behavior Gap Radio, Carl shares his journey up the Grand Teton in Wyoming as he reflects on the complexities of risk assessment. While scaling the mountain with his friend V, Carl confronts a stark realization: his focus on the probability of falling contrasts sharply with V's concern for the consequence of dying if a fall happens. This eye-opening experience prompts Carl to examine the interplay between probability and consequence in various aspects of life, from adventurous climbs to everyday decisions like texting and driving. Carl invites listeners to think about their own approach to risk and consider how weighing both probability and consequence can lead to wiser decision-making.

1008 | Intuition

Carl Richards — Tue, 27 Feb 2024 01:00:00 -0700

Join Carl on Behavior Gap Radio as he dives into the role of intuition in decision-making. In a world fraught with risks and uncertainties, Carl explores the valuable insights intuition offers, particularly when it urges caution and prompts us to pause and assess. Carl considers the flip side of intuition, examining moments when it might lead us astray, driven by emotions like greed or excitement. With a new rule in mind, Carl proposes an approach for listeners to try: listen to intuition when it signals restraint and follow established rules when it encourages action.

If you liked this episode, you'd love Carl's follow-up episode! Hear the episode "Intuition Part 2" here:
https://podcasts.apple.com/us/podcast/1010-intuition-part-2/id1034934586?i=1000647507174

1007 | Is That Your Work?

Carl Richards — Mon, 26 Feb 2024 02:07:00 -0700

Today, Carl explores being true to yourself in your creative work. Drawing from the wise words of philosophers and insights from Bruce Lee, Carl tackles the struggle of staying real in a world that loves copycats. Carl digs into why it's scary to be different and why there is an urge to copy instead of invent. He's all about finding that sweet spot between making something that is yours while also giving credit to your inspirations.

1006 | The Value of Closed Loops

Carl Richards — Fri, 23 Feb 2024 02:07:00 -0700

Join Carl as he explores closed loops and the vital role of reliable systems. He talks through the challenges that come up when delegating tasks within teams and unpacks the psychological barriers that can make it tough to let go. Delegation isn't always a walk in the park! Carl shares strategies for fostering accountability, trust, and clear communication in organizations. You can use Carl's ideas in this episode, which draw on research in management and organizational behavior, to help you build systems inside your team.

1005 | Purposeful Consumption

Carl Richards — Thu, 22 Feb 2024 02:07:00 -0700

Sparked by a chat with a listener named Ashby, this episode is all about the concept of purposeful consumption! Carl talks about aligning how we use our time, money, energy, and attention with what really matters to us. He shares how purposeful consumption leads to sustainable living and long-term happiness. In this episode of Behavior Gap Radio, Carl is challenging listeners to take a beat, think about their choices, and start making mindful decisions about what they consume. It's all about finding that sweet spot where our actions match up with what truly brings us joy and fulfillment in life!

1004 | Diagnostic Disappointment

Carl Richards — Wed, 21 Feb 2024 02:07:00 -0700

Join Carl on a candid episode of Behavior Gap Radio as he shares a personal health scare that led to unexpected revelations. Reflecting on his visit to the emergency room for severe pain, Carl speaks about the concept of "Diagnostic Disappointment"—the emotional complexity that arises when medical tests yield no definitive diagnosis. Through introspection and research, Carl explores the psychological, emotional, and narrative dimensions of this phenomenon, shedding light on the human need for validation, control, and coherence in the face of uncertainty. In today's episode, Carl invites listeners to consider when diagnostic disappointment shows up in their own lives and how understanding it can foster emotional resilience.

1003 | The Information Fast

Carl Richards — Tue, 20 Feb 2024 02:00:00 -0700

Carl shares his thoughts on the overwhelming flood of information in today's world. Through personal reflections, Carl highlights the staggering reality of information overload, comparing it to a relentless fire hose directed at our minds. Drawing parallels to elimination diets, Carl proposes the concept of a periodic information fast, where one disconnects from all sources of information for a set period. Envisioning a 30-day media consumption consisting solely of long-form books, Carl invites listeners to consider the transformative impact such a fast could have on their mental clarity and well-being. Carl emphasizes the benefits listeners might enjoy if they explore a detox from the noise of modern media!

1002 | How Much Status Is Enough?

Carl Richards — Mon, 19 Feb 2024 02:00:00 -0700

Today, on Behavior Gap Radio, Carl talks about the elusive concept of status and its insatiable nature. How much status is enough? Carl highlights the inherent paradox of chasing status, noting that it's a pursuit without a finish line. With references to Michael Easter's insights on scarcity loops, Carl invites listeners to consider how they can break free from the status-driven cycle and cultivate a more fulfilling mindset.

Learn more about the work of Michael Easter here: https://eastermichael.com/

1001 | Cultivate Your Comparison Set

Carl Richards — Fri, 16 Feb 2024 02:00:00 -0700

Join Carl on this episode of Behavior Gap Radio as he talks about the importance of being mindful of who and what we compare ourselves to. With sharp observations and personal stories, Carl shows how the people we hang out with and the media we consume can really affect how we see things like money, success, and happiness. Using some examples from his own life, he explains how our comparison set can even shape how we spend our money and how happy we feel. Carl suggests that by being picky about who and what we let influence us, we can take back control of our thoughts and feel more satisfied with our lives.

1000 | Creative Fear

Carl Richards — Thu, 15 Feb 2024 01:00:00 -0700

It's the 1,000th episode of Behavior Gap Radio! Carl takes a moment to celebrate the podcast's journey and dives into a personal reflection on fear. With candidness and wisdom, Carl shares his own experience of coming to terms with fear, challenging the idea of trying to banish it completely from our lives. Instead, he suggests a different approach: embracing fear, understanding its significance, and using it as a catalyst for growth and action. Through his personal stories and insights, Carl offers practical tips for acknowledging fear, accepting it as a natural part of life, and channeling its energy to move us forward.

Exciting Annoucement: Free BG Radio

Carl Richards — Wed, 14 Feb 2024 14:35:19 -0700

949 | The One Thing

Carl Richards — Thu, 01 Feb 2024 06:00:00 -0700

Carl asks a game-changing question: What's the One Thing you already know could make your life so much better? He asks listeners to recognize the simple yet mighty steps they could take to boost their happiness. Sharing from his own life and experiences, Carl stresses the importance of putting these known actions first instead of endlessly searching for new fixes. Whether it's getting more shut-eye, starting a daily routine, or opting for healthier habits, Carl urges listeners to pinpoint that one action that could kickstart a wave of positive change.

948 | "Attention," a Micro-Essay

Carl Richards — Thu, 25 Jan 2024 06:00:00 -0700

Carl explores how attention is the secret weapon in our lives but is often overlooked! Reflecting on his own attention habits, Carl discovers to what degree focused attention can change how we see the world. He encourages listeners to rethink where they're putting their focus, understanding how it can totally reshape what matters most in their lives.

947 | Dancing With Dragons

Carl Richards — Thu, 18 Jan 2024 06:00:00 -0700

In this episode of Behavior Gap Radio, Carl takes listeners on a journey to uncover their life's purpose. Carl acknowledges the frustrations and self-doubt that often come with this quest. He urges listeners to approach it with curiosity and playfulness, likening it to a whimsical dance with dragons! Carl reminds us that finding our purpose is a continuous adventure of trial and error. He leaves listeners with a simple yet profound task: carve out just 15 minutes for quiet reflection to ponder and jot down their deepest dreams and aspirations. No giant leaps required, just a gentle push towards self-discovery!

943 | Volume Two - The Problem and You

Carl Richards — Thu, 11 Jan 2024 06:00:00 -0700

Titled "The Problem," this episode features a short essay from Carl's latest book, Volume Two: Meaningful Conversations—a collection of 52 conversations about Money and Life. Carl paints a mental picture with a simple sketch: a big circle labeled "the problem" with a dot in the center labeled "you." In just two sentences, he prompts a thought-provoking question: Do you have a problem, or does the problem have you? Drawing inspiration from Eckhart Tolle and Mark Twain, Carl delves into the subjective nature of problems, challenging you to consider whether problems are real or mere projections.

Learn more about The Volumes Project here: https://thesocietyofadvice.com/the-volumes-project

938 | Behind the Scenes With Chip

Carl Richards — Thu, 04 Jan 2024 06:00:00 -0700

Carl shares the untold story of his meeting with Chip Gaines for the 50 Fires Podcast. At the final in-person meeting to decide the show's distribution, Carl recounts the nerves and excitement of meeting the iconic Chip and Joanna Gaines. Revealing his secret plan to treat the meeting like a podcast episode focused on money, Carl shares a riveting conversation with Chip about the meaning of money. Unveiling Chip's candid admission about the devastating impact of fame and wealth, Carl reflects on the unforeseen complications that come with financial success. This raw and unscripted encounter adds a layer of depth to the podcast episode with Chip Gaines that listeners won't find anywhere else.

Listen to 50 Fires: Money and Meaning with Carl Richards: https://apple.co/47o5vP0

Hear the episode "How Chip Gaines Uses Money As a Tool for Impact" that Carl references: https://podcasts.apple.com/us/podcast/how-chip-gaines-uses-money-as-a-tool-for-impact/id1709551590?i=1000634105820

937 | New Essay On Goals

Carl Richards — Thu, 28 Dec 2023 06:00:00 -0700

In this episode of Behavior Gap Radio, Carl delves into the nuanced world of goals with his latest insights titled "Navigating Life's Journey: The Dual Nature of Goals." Reflecting on the dual role of goals as both a blessing and a potential curse, Carl explores how goals offer direction and purpose but can also distract from the present moment. He emphasizes the fluid nature of goals as educated guesses in life's adaptive journey, cautioning against becoming overly fixated on the future. Carl advocates for striking a delicate balance between using goals as guiding compasses and fully immersing oneself in the beauty of the present. Join Carl in embracing the duality of goals and discovering the joy of a purposeful yet present journey.

Want to read more essays 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/

930 | What I Hope My Kids Say About Money

Carl Richards — Thu, 21 Dec 2023 06:00:00 -0700

In this field episode of Behavior Gap Radio, Carl shares a powerful reflection following a dinner discussion with students from Utah Valley University. Inspired by a student's question, Carl revisits the impactful query he poses at the end of his podcast "50 Fires" regarding the role of money in one's life. This time, he's turned the lens on himself, contemplating what he hopes his own children will say about money 20 years from now. Carl passionately expresses his desire for his kids to understand that money's natural state is flow, emphasizing the importance of circulation over accumulation. In a poignant analogy, he hopes they won't confuse the finger (money) pointing at the moon (love and the present moment) with the moon itself. Join Carl in this heartfelt exploration of teaching profound lessons about money to the next generation.

Listen to 50 Fires: Money and Meaning with Carl Richards: https://apple.co/47o5vP0

926 | The Arrival Fallacy

Carl Richards — Thu, 14 Dec 2023 06:00:00 -0700

In this episode of Behavior Gap Radio, Carl uncovers the illusion many of us have fallen victim to—the Arrival Fallacy. With excitement, he shares that this phenomenon, where we believe reaching a goal or destination will bring lasting happiness, finally has a name. Carl explores how we often say, "When I have this much money, I'll be secure," or "Once I reach this goal, I'll be happy," only to find that the reality doesn't match the expectation. The Arrival Fallacy, as Carl names it, leads to a double whammy, leaving us feeling worse for expecting happiness upon reaching our destination and not getting it. Carl encourages listeners to beware of this fallacy, emphasizing the beauty of the present moment and the fact that life is as good as it gets right now. Listen to this episode to become aware of the Arrival Fallacy in your life!

924 | The Practice of Using Money

Carl Richards — Thu, 07 Dec 2023 06:00:00 -0700

In this episode of Behavior Gap Radio, Carl delves into a profound question: How do we determine our needs, wants, and desires? Carl reflects on his recent in-person workshop and the challenge of navigating consumer society. Drawing insights from John Kenneth Galbraith's concept of the dependence effect, Carl explores the idea that consumer demand is driven more by advertising and marketing than genuine human needs. He reframes this as an opportunity to practice mindfulness in our financial decisions, emphasizing the importance of understanding the values behind our desires. Carl invites listeners to explore the beautiful practice of being conscious consumers in a world filled with constant stimuli. Tune in to unravel the mysteries of your financial motivations and embark on the journey of intentional living.

Do you want to book Carl to speak at your next conference or event? Email hello@behaviorgap.com.

920 | Notice the Financial Feelings

Carl Richards — Thu, 30 Nov 2023 06:00:00 -0700

What's the first feeling that arises when you think about money or see a money symbol? Drawing from insights shared by the audience, Carl reflects on a range of emotions, including jealousy, fear, and even opportunity. He emphasizes the importance of noticing these feelings without judgment and shares a powerful approach: observing them as a non-judgmental outsider, saying, "Isn't that interesting?" Carl explores the transformation that occurs when benign neglect is applied to these emotions, allowing the act of attention to naturally bring about positive change. Listen to this episode of Behavior Gap Radio to uncover the power of self-awareness in reshaping your relationship with money!

917 | Money & Meaning - Purpose at The Center

Carl Richards — Thu, 23 Nov 2023 06:00:00 -0700

In this episode of Behavior Gap Radio, Carl explores the pivotal role of purpose in making sound financial decisions. He emphasizes that purpose is not merely a starting point but a continuous reference point that guides all decisions related to money. Carl likens purpose to a lens through which we view our financial choices. It turns out that it often gets overlooked in discussions about money! Drawing inspiration from the wisdom of David Whyte and Lao Tzu, Carl explores the gradual process of discovering, relearning, and realigning with what truly matters to us. He stresses the enduring quality of purpose, providing a profound perspective on how it shapes our identity and influences our use of capital—time, money, energy, and attention.

914 | How Many Months Without Work

Carl Richards — Thu, 16 Nov 2023 06:00:00 -0700

Carl shares a thrilling update on his four-year project, which has evolved into a captivating podcast called "50 Fires," with executive producers Chip and Joanna Gaines at Magnolia and a distribution deal with Warner Brothers. Set to launch in 2023, "50 Fires" explores the intersection of money and meaning. Carl offers a sneak peek into a recent interview with Breaking Bad's Dean Norris (who played the character Hank). Dean equates money with the number of months he can go without working. The episode provides a unique perspective on how artists, including comedians, chefs, and musicians, view money as a resource that grants them artistic freedom. Carl reflects on the insights gained from these individuals and invites listeners to join him on this exciting new podcast journey.

Listen to 50 Fires: Money and Meaning with Carl Richards: https://apple.co/47o5vP0

Hear the episode "Breaking Bad’s Dean Norris Has Always Lived Within His Means" Carl references in this episode: https://podcasts.apple.com/us/podcast/breaking-bads-dean-norris-has-always-lived-within-his-means/id1709551590?i=1000638409268

907 | Lighter

Carl Richards — Thu, 09 Nov 2023 06:00:00 -0700

Carl explores the concept of lightness, contemplating what it means to carry a lighter load in terms of future goals and intentions. He shares a transformative shift in his perspective, acknowledging that the responsibility of shaping the next 10 years need not feel like a heavy burden. Carl reflects on the idea of turning the responsibility of his life over to God, allowing for a more playful and light approach to his work. Drawing on metaphors from whitewater rafting and Nordic skiing, he challenges the conventional narrative of hard work and proposes a more graceful and intentional engagement with life's uncertainties.

905 | My Neighbor's House

Carl Richards — Thu, 02 Nov 2023 06:00:00 -0600

In this episode of Behavior Gap Radio, Carl dives into the world of "fancy financial feelings." As Carl explores the nuances of coveting, envy, and jealousy, he challenges societal norms around discussing these emotions. Carl invites listeners to join him in exploring these forbidden financial feelings!

877 | Things That Never Happen

Carl Richards — Thu, 26 Oct 2023 06:00:00 -0600

In this episode of Behavior Gap Radio, Carl explores the common excuse of labeling unexpected expenses as "one-time" occurrences, only to discover that life is full of unforeseen events. Reflecting on the recent chaos caused by utility workers in his neighborhood and the resulting costly damages, Carl questions the tendency to overlook the predictability of unpredictability. Listen in as Carl shares a refreshing perspective on navigating life's surprises!

874 | Committed but Not Attached

Carl Richards — Thu, 19 Oct 2023 06:00:00 -0600

How do you navigate the age-old struggle of finding a balance between living in the present and pursuing future goals? Carl explores the concept of being committed but not attached and examines the depth of that paradox. He reflects on the challenge of going all-in on a goal while still maintaining a sense of detachment from the outcome.

870 | Just The Flip-Flops

Carl Richards — Thu, 12 Oct 2023 06:00:00 -0600

On today's episode of Behavior Gap Radio, Carl shares a personal story that spans years revolving around mysterious foot cramps. Through the lens of his health concerns and family history with Parkinson's, Carl explores the power of stories we tell ourselves. Listen in and reflect on the narratives you create and how easily confirmation bias can shape your perception!

867 | One Thing & Dragons

Carl Richards — Thu, 05 Oct 2023 06:00:00 -0600

In this episode of Behavior Gap Radio, Carl explores the challenging realization that personal obstacles often lie within ourselves. He talks through the importance of action over knowledge and how important systematic habits are if you want to turn your intentions into reality. Drawing inspiration from Brian Johnson's concept of a daily protocol, Carl discusses the significance of pushing through when the desire to follow a routine wanes. He encourages listeners to identify one impactful thing they can commit to, schedule it, and rewire their response to overcome resistance. In the spirit of "Dancing With Dragons," Carl shares his personal commitment with listeners!

Carl has received many requests for coaching or consulting, but he doesn’t offer those services. Instead, he has created something different: Dancing With Dragons. This experience involves spending a day together in Park City, Utah, with a loose structure of time outside, time around a table, and time around a fire. It is open to individuals, couples, and teams. For more information, go to https://www.dancingwithdragons.com/.

864 | Enough is Sneaky

Carl Richards — Thu, 28 Sep 2023 06:00:00 -0600

Join Carl on a preview of an exciting new podcast project where he explores "Conversations About Money and Meaning." Although he can't reveal all the details just yet, Carl shares an intriguing snippet from a recent conversation, reflecting on an op-ed from The New York Times about a Wall Street trader dissatisfied with a $3.6 million bonus because it wasn't enough.

Delving into the elusive concept of "enoughness," Carl highlights the universal challenge of comparison in a world where the goalposts keep shifting. Whether it's the person next to you in the office or on social media, the subtle allure of more can make it challenging to appreciate what's truly enough!

860 | Calm Pisses People Off

Carl Richards — Thu, 21 Sep 2023 06:00:00 -0600

Carl explores a simple yet powerful point: Doing things differently, especially in your work life, is inherently confronting to others. Focusing on the specific example of working calmly, Carl delves into the fascinating phenomenon of how the mere act of choosing calmness can make people uncomfortable. In this episode, Carl reflects on the confrontational nature of opting out of the craziness and shares anecdotes of people's reactions, highlighting the discomfort caused by breaking the cultural agreement of constant busyness. Making unconventional choices might just be the key to growth, even if it means upsetting a few apple carts along the way!

858 | The Mystery of Trailside Loop

Carl Richards — Thu, 14 Sep 2023 06:00:00 -0600

In this episode of Behavior Gap Radio, Carl shares a captivating story that unfolds over years, weaving through unexpected twists and turns. The narrative of this story raises intriguing questions about intuition, alignment, and the mysterious ways in which life unfolds. Carl invites listeners to consider the concept of being open to unexpected thoughts and experiences that may lead to remarkable outcomes.

853 | What Time Are You Creative?

Carl Richards — Thu, 07 Sep 2023 06:00:00 -0600

In this episode, Carl reflects on John Cleese's insight that creativity requires both time and space to flourish. If you're curious about unlocking your creative potential and intentionally setting aside time for it, Carl's thoughtful insights offer valuable guidance!

Don’t wait around for creativity to come to you by accident. Be creative on purpose. Carl released a series of four episodes from Behavior Gap Radio on creating things. Just tell us below where to send you the unlocked episodes! https://behaviorgap.com/radio/the-process-of-creating-things/

849 | Dealing with Online Haters

Carl Richards — Thu, 31 Aug 2023 06:00:00 -0600

Today, Carl tackles the tough subject of dealing with unthoughtful criticism or "haters." He defines haters as those who disagree without really thinking it through, often twisting words or refusing to understand. Carl shares his own strategy for handling such criticism, stressing the importance of not letting haters steal unnecessary attention. He talks about the power of deleting or ignoring unthoughtful comments as a way to avoid getting sucked into an emotional battle. Carl also shares a recent experience and walks through his approach for dealing with unthoughtful criticism, providing valuable insights for listeners dealing with similar situations.

847 | Finding Your Thing

Carl Richards — Thu, 24 Aug 2023 06:00:00 -0600

Today, on Behavior Gap Radio, Carl explores the importance of being "up to something." He expresses his admiration for individuals who carry a twinkle in their eyes, embodying a slight mischievousness that signals they are on a journey. Carl discusses the value of embracing nonconformity and misbehavior in a system that may not always be conducive to true well-being. Carl suggests that listeners should pay attention to their instincts without feeling the need to act on them right away. This helps them develop a better connection with their individual goals and desires.

Carl coaches Real Financial Advisors at his community for advisors called The Society of Advice. Learn more at TheSocietyofAdvice.com.

843 | I Was Free

Carl Richards — Thu, 17 Aug 2023 06:00:00 -0600

On today's episode, Carl shares a thought-provoking story borrowed from Morgan Housel's book, "The Psychology of Money," featuring entrepreneur Derek Sivers. At the age of 22, earning a modest income and saving diligently, Derek reached a crucial point with $12,000 in the bank. The significant moment wasn't when he later sold his multimillion-dollar business; it was when he realized he had enough to pursue his passion for music and be financially free. Carl reflects on the powerful idea that having enough is not defined by a specific number or destination but is a state of being.

Carl coaches Real Financial Advisors at his community for advisors called The Society of Advice. Learn more at TheSocietyofAdvice.com.

842 | That Never Crossed My Mind

Carl Richards — Thu, 10 Aug 2023 06:00:00 -0600

In this episode of Behavior Gap Radio, Carl explores the transformative power of permission in thinking differently about money. Thinking back on his time in New Zealand, Carl noticed that people didn't start conversations by asking, "What do you do for work?" Instead, they asked more meaningful questions. This shows the significance of asking questions that really count rather than sticking to the usual ones. He shares a pivotal moment when his wife challenged him to consider the possibility that making money could be fun and easy. Carl also emphasizes the significance of engaging in conversations about money with people from diverse backgrounds, as it opens the door to thoughts that had never crossed one's mind before.

838 | Who Taught You How To Fight?

Carl Richards — Thu, 03 Aug 2023 06:00:00 -0600

In this episode of Behavior Gap Radio, Carl shares insights from a recent relationship bootcamp he attended with his wife. This was a transformative experience that prompted deep introspection! The central question, "Who taught you how to fight?" leads to a profound exploration of learned behaviors in relationships. The power of the question lies in its ability to unveil the origins of one's actions and prompts a realization that these lessons aren't fixed but can be reshaped consciously.

If you grew up like Carl, you have been told you shouldn't talk about four things: money, sex, politics, and religion. Carl wants to change that when it comes to money. He wants to have conversations about money that actually matter. And that doesn't mean conversations about investments, insurance, or budgeting! Listen to 50 Fires to hear Carl have conversations about what money really means, our hopes and dreams, our fears and worries, and what it truly means to have enough. Learn more at https://www.50fires.com/

832 | What State Are You In?

Carl Richards — Thu, 27 Jul 2023 06:00:00 -0600

Listen as Carl shares a story about his friend Steve's encounter with a supplier who mistakenly ended up in the wrong state for a scheduled meeting. This amusing mix-up prompts Carl to ponder a crucial question: How often are we certain we're in the right place, following instructions, and yet find ourselves in the wrong state? It's time to question our assumptions and default to the possibility that they may be wrong!

831 | The Right Who & 10x Growth

Carl Richards — Thu, 20 Jul 2023 06:00:00 -0600

Today on Behavior Gap Radio, Carl explores the powerful combination of two concepts from Dan Sullivan: "Who Not How" and "10x Is Easier Than 2x." The synergy between these ideas becomes apparent as Carl talks about how finding the right individuals (the "who") and letting them work in their unique abilities can lead to exponential growth. Join Carl as he reflects on his journey toward 10x impact, freedom, and revenue while enjoying more "free days."

Learn more about Dan Sullivan's books here: https://10xeasierbook.com/ and https://whonothow.com/

830 | 10x vs 2x

Carl Richards — Thu, 13 Jul 2023 06:00:00 -0600

In this episode, Carl continues to unravel the transformative concepts from Dan Sullivan and Benjamin Hardy that have reshaped his life. This episode centers on Dan Sullivan's principle: "10x is easier than 2x." Carl candidly shares his initial resistance to this seemingly paradoxical idea, exploring the misconception that 10x growth implies more complexity and complications. Drawing from real-life experiences, he illustrates how honing in on a clear and ambitious goal requires greater dedication and focus and, ultimately, simplifies the path to success. Whether applied to revenue growth or personal goals like mountain biking, Carl delves into the power of 10x thinking and its liberating impact.

829 | Who Not How

Carl Richards — Thu, 06 Jul 2023 06:00:00 -0600

Today, Carl introduces the first of a three-part series exploring transformative concepts from Dan Sullivan's Strategic Coach, as articulated in the book co-authored with Benjamin Hardy. Focusing on the game-changing principle of "Who Not How," Carl shares his profound journey with this approach and its immense impact on his life. Encouraging listeners to consider an alternative perspective when faced with challenges, he emphasizes the liberating power of seeking out "who" can accomplish the task rather than defaulting to the conventional "how" mindset. Listen in as this episode could reshape the way you approach problem-solving and lead to newfound clarity and efficiency!

800 | Come on... 800!

Carl Richards — Thu, 29 Jun 2023 06:00:00 -0600

In an exciting milestone, Carl celebrates the incredible journey to episode 800 of Behavior Gap Radio. Reflecting on the power of compounding small activities, he shares insights into the transformative impact of consistent effort, drawing parallels between the podcast's growth and the broader vision for Behavior Gap and its community. As Carl envisions the next 30 to 40 years of projects, including ambitious plans for annual Behavior Gap Festivals and book releases, he invites listeners to contemplate their own compounding activities. Carl talks about the significance of small, consistent actions over time.

792 | First Step: Liberating Your Mind

Carl Richards — Thu, 22 Jun 2023 06:00:00 -0600

Taking inspiration from Joe Dominguez and Vicki Robin's timeless book "Your Money or Your Life," Carl shares a thought-provoking quote: "The first step of financial independence is liberating your mind." He encourages listeners to think through this idea during their walks or moments of reflection. While budgeting and financial strategies are valuable, true financial freedom starts with freeing our minds from limiting beliefs.

791 | Why You Want To Be Rich

Carl Richards — Thu, 15 Jun 2023 06:00:00 -0600

Behavior Gap Radio: www.behaviorgapradio.com/

783 | Desmond Tutu "God Is Enough"

Carl Richards — Thu, 08 Jun 2023 06:00:00 -0600

Carl reflects on a profound quote by Desmond Tutu, the resilient South African Anglican Bishop and social rights activist. "When we have nothing left but God, we discover that God is enough. And money? Money is never enough." While the source of the quote isn't pinpointed, Carl delves into relevant studies exploring the link between material possessions and happiness, uncovering intriguing insights. This episode of Behavior Gap Radio prompts contemplation on the true essence of wealth and happiness and the profound discovery that material possessions may never be enough, while the intangible—such as spiritual connection—holds infinite value.

774 | Rumi - Wealth in the Heart

Carl Richards — Thu, 01 Jun 2023 06:00:00 -0600

In this episode of Behavior Gap Radio, Carl reflects on the enduring wisdom found in timeless traditions, specifically honing in on the recurrent theme that money serves as a distraction. Carl reflects on Rumi's wisdom: "The wealth you seek is in the heart, not the pocket." In today's world, where money's importance is amplified, what if we sought wealth within our hearts instead of material accumulation? This episode challenges the conventional view of wealth and encourages listeners to explore true sources of fulfillment and happiness. How might your life change if you pursued the richness of the heart over material wealth?

768 | Embracing The Creative Tension

Carl Richards — Thu, 25 May 2023 06:00:00 -0600

Carl explores the tension in the creative process, calling it "Dancing With Dragons." For artists, entrepreneurs, or anyone seeking change, the gap between the ideal and reality can be both challenging and awe-inspiring. Carl shares how this tension is a vital part of the creative journey, not a source of frustration. He encourages listeners to embrace this dance, celebrating when vision aligns with reality and finding joy in the pursuit itself. How do you handle the tension in your creative process?

767 | Guide to Scary Markets

Carl Richards — Thu, 18 May 2023 06:00:00 -0600

What matters most in your current situation? Which of those things can you control? What actions can you take right now? In this episode, Carl Richards discusses how to handle uncertainty in life or business. He shares his approach of staying clear-headed and making a list of things that matter in uncertain situations. Carl then narrows down that list to what can be controlled, encouraging listeners to push the boundaries of what they think is within their control. He emphasizes the importance of identifying actions to take based on this list and revisiting it when new information arises, avoiding unnecessary worry over things outside of our control.

760 | Unplugging from the Matrix

Carl Richards — Thu, 11 May 2023 06:00:00 -0600

How often do you find yourself comparing your success to others online? Today, on Behavior Gap Radio, Carl talks about the struggle with comparing ourselves to others, especially on social media. He shares his own experience of feeling inadequate after comparing his social media following to someone else's success and how his wife faced similar feelings on Instagram. Carl also discusses a conversation with a friend who runs a successful farm without being distracted by social media. Carl emphasizes the importance of unplugging from social media and focusing on what truly matters in life. He suggests getting involved in local community activities as a way to stay grounded. What helps you stay focused on your own goals and avoid comparison?

757 | Why Is It All the Same?

Carl Richards — Thu, 04 May 2023 06:00:00 -0600

Have you ever noticed how similar all financial advisor websites look? Carl challenges the sameness in the financial advice industry. Why are so many afraid to stand out? Carl urges advisors to break free from clichés and embrace authenticity! He explores the fear of being different and the courage it takes to push boundaries and show up uniquely in a crowded field.

If you like this episode, you'd LOVE The Society of Advice! Learn more here: https://thesocietyofadvice.com/

755 | The Process of Creating Things and Value Expression Part 4

Carl Richards — Thu, 27 Apr 2023 06:00:00 -0600

Today, Carl Richards discusses the concept of "value capture" beyond financial terms, focusing on how we can capture value in other important aspects of life, like friendships, outdoor experiences, and personal fulfillment. He shares a personal story about balancing the joy of backcountry skiing, which took significant time and effort, with the more efficient alternative of Nordic skiing near his home. Carl emphasizes the importance of understanding what value we’re trying to capture through our activities and making thoughtful decisions based on that. How are you capturing value in your life? Can you adjust your approach to focus more on what truly matters to you?

754 | The Process of Creating Things and Value Expression Part 3

Carl Richards — Thu, 20 Apr 2023 06:00:00 -0600

In this episode, Carl shares a personal reflection on raising children and teaching the value of hard work. He talks about balancing traditional part-time jobs with meaningful opportunities like internships and leadership roles in clubs. Carl explains that while jobs like working at a coffee shop teach valuable lessons, some extracurricular activities may offer a better return on investment in terms of skills and future opportunities. For his family, prioritizing these opportunities has been key to developing values like hard work and proactivity.

753 | The Process of Creating Things and Value Expression Part 2

Carl Richards — Thu, 13 Apr 2023 06:00:00 -0600

Are there ways you can better align your time and energy with your values? Today on Behavior Gap Radio, Carl dives into the mental framework of "value creation and capture," applying it to everyday activities like spending time with friends. He emphasizes that value capture isn’t just about money but also about time, energy, and attention. By understanding the value we want to express—such as friendship or connection—we can make more aligned choices, like opting for a walk with a friend instead of a formal lunch. This approach can help us better align our resources with what truly matters.

752 | The Process of Creating Things and Value Expression Part 1

Carl Richards — Thu, 06 Apr 2023 06:00:00 -0600

In this episode, Carl unpacks the “process of creating things,” removing the pressure from terms like “creative process” or “art.” He explains that creativity isn’t about waiting for inspiration; it’s about creating a process that invites magic to happen. Carl shares how he schedules regular time to sit down and create, regardless of how he feels in the moment. By treating creativity like a job with structure and routine, he’s able to consistently produce work. How can you create the conditions for your own magic to show up?

749 | No More Apologizing for Being Me

Carl Richards — Thu, 30 Mar 2023 06:00:00 -0600

Join Carl in this heartfelt episode of Behavior Gap Radio as he explores the struggle of feeling unsettled in one’s own plan. Have you ever felt like you’re searching for understanding and belonging? Why do we apologize for our complex nature? Carl reflects on a social media exchange and shares his own challenges in balancing simplicity with chasing something deeper.

739 | Structural Scarcity

Carl Richards — Thu, 23 Mar 2023 06:00:00 -0600

Why is it so hard to feel like we are “enough”? In this episode, Carl explores the concept of structural scarcity—a scarcity mindset built into our systems and culture. From the way we talk about getting ahead to the pressure of keeping up with others, scarcity is everywhere. Carl reflects on the challenge of living in a system that promotes competition and never-ending consumption and how difficult it is to resist moving the goalposts in life. Join Carl on this insightful journey of reflection and practice in navigating the complexities of scarcity and sufficiency.

736 | Case Study: Money Is Hard

Carl Richards — Thu, 16 Mar 2023 06:00:00 -0600

In this episode, Carl tells the story of someone who reached out to him, struggling with a toxic relationship with money despite having $1.2 million in savings. As soon as the number is mentioned, Carl highlights how our minds tend to shift into judgment mode, trying to evaluate whether this person “should” be struggling. He challenges us to stop using net worth, income, or spending as a tool for judgment and instead focus on the real issue—money struggles often have little to do with the actual amount of money. How does your brain react when you hear someone’s financial situation? Is it possible to look beyond the numbers and empathize with their struggles?

732 | Micro-PTSD

Carl Richards — Thu, 09 Mar 2023 06:00:00 -0700

What happens when small negative events aren’t processed? In this episode, Carl Richards introduces the concept of "micro-PTSD," describing how small events accumulate over time and, if not metabolized, create a state of disequilibrium. Using the analogy of a clogged funnel, Carl discusses the importance of ritualistic ways to process these events, such as journaling, meditation, or time spent in nature. Could regular reflection or rituals help prevent emotional buildup in your life?

726 | Things That Light Me Up

Carl Richards — Thu, 02 Mar 2023 06:00:00 -0700

What are some tasks or commitments you can start delegating or eliminating? Carl reflects on the simple yet powerful idea of doing more of what lights you up and less of what doesn’t. He shares how life has improved as he’s become more intentional about focusing on what energizes him and delegating or eliminating tasks that drain him. The challenge, he says, is figuring out what those things are—and it’s a process that takes time. Sometimes, it’s easier to start with a “stop doing” list, identifying things that don’t bring energy and gradually removing them from your life.

725 | The Personal Thing Series Ep. 5

Carl Richards — Thu, 23 Feb 2023 06:00:00 -0700

In this episode of Behavior Gap Radio, Carl dives into the concept of finding "Your Thing"—the unique pursuit that you’re meant to do. He emphasizes that this process is deeply personal and often tied to rediscovering who you truly are. While it sounds simple, Carl explains that uncovering your thing is challenging, requiring self-awareness and perseverance. He encourages listeners to be patient with themselves in this process. What’s "Your Thing,” and how can you start uncovering it?

724 | The Personal Thing Series Ep. 4

Carl Richards — Thu, 16 Feb 2023 06:00:00 -0700

Today, Carl shares a powerful quote from Lao Tzu: "If you're not always trying to be someone, you can be who you really are and go the whole way." He reflects on what it means to stop striving to be someone else and instead embrace who we truly are. Carl shares his own journey toward being fully himself in his work and life, and he invites listeners to consider what going “the whole way” means for them. How would your life or work change if you fully embraced who you are?

723 | The Personal Thing Series Ep. 3

Carl Richards — Thu, 09 Feb 2023 06:00:00 -0700

What does it mean to truly be yourself? In this episode of Behavior Gap Radio, Carl Richards shares a quote from Bruce Lee: “Always be yourself. Express yourself. Have faith in yourself. Do not go out and look for a successful personality and duplicate it.” Carl discusses the temptation to imitate others in the early stages of our careers and how real growth happens when we step into our own identity. He encourages listeners to follow the example of others but not to become trapped by imitation.

722 | The Personal Thing Series Ep. 2

Carl Richards — Thu, 02 Feb 2023 06:00:00 -0700

Carl shares a famous quote from Picasso: “If you are a soldier, you will become a general. If you are a monk, you will become the pope. Instead, I was a painter, and I became Picasso.” In this episode, Carl reflects on the influence of those closest to us, especially in shaping our desires and career paths. Carl touches on mimetic desire—the tendency to copy others' desires—and how challenging it can be to uncover our true selves beneath layers of societal expectations. How much of your life has been shaped by others’ expectations, and what would it look like to truly follow your own path?

721 | The Personal Thing Series Ep. 1

Carl Richards — Thu, 26 Jan 2023 06:00:00 -0700

Today, Carl introduces a series on finding "Your Thing," a concept he believes applies to everyone. He explains that "Your Thing” doesn’t have to be heroic or career-related, but it is deeply personal and a reflection of who you are. What’s "Your Thing," and are you ready to start uncovering it?

657 | Reality Based Planning Series Ep. 8

Carl Richards — Thu, 19 Jan 2023 06:00:00 -0700

Behavior Gap Radio: www.behaviorgapradio.com/

656 | Reality Based Planning Series Ep. 7

Carl Richards — Thu, 12 Jan 2023 06:00:00 -0700

Behavior Gap Radio: www.behaviorgapradio.com/

655 | Reality Based Planning Series Ep. 6

Carl Richards — Thu, 05 Jan 2023 06:00:00 -0700

Behavior Gap Radio: www.behaviorgapradio.com/

654 | Reality Based Planning Series Ep. 5

Carl Richards — Thu, 29 Dec 2022 06:00:00 -0700

Behavior Gap Radio: www.behaviorgapradio.com/

653 | Reality-Based Planning Series Ep. 4

Carl Richards — Thu, 22 Dec 2022 06:00:00 -0700

In this episode, Carl dives into one of his favorite topics: being less wrong. Real Financial Planning isn't about being precisely correct today—because that's impossible—but about being a little less wrong tomorrow. Why do we often chase perfection in our plans, thinking that more data or better tools will lead to exact outcomes? What if the goal was simply to improve, not to be perfect? Remember, the aim is progress, not perfection!

652 | Reality Based Planning Series Ep. 3

Carl Richards — Thu, 15 Dec 2022 06:00:00 -0700

Behavior Gap Radio: www.behaviorgapradio.com/

651 | Reality Based Planning Series Ep. 2

Carl Richards — Thu, 08 Dec 2022 06:00:00 -0700

Behavior Gap Radio: www.behaviorgapradio.com/

650 | Reality Based Planning Series Ep. 1

Carl Richards — Thu, 01 Dec 2022 06:00:00 -0700

Behavior Gap Radio: www.behaviorgapradio.com/

646 | Things Change

Carl Richards — Thu, 24 Nov 2022 06:00:00 -0700

Behavior Gap Radio: www.behaviorgapradio.com/

628 | The Thank You Method

Carl Richards — Thu, 17 Nov 2022 06:00:00 -0700

Behavior Gap Radio: www.behaviorgapradio.com/

622 | When To Go Public

Carl Richards — Thu, 10 Nov 2022 06:00:00 -0700

Behavior Gap Radio: www.behaviorgapradio.com/

620 | What's The Change You Want

Carl Richards — Thu, 03 Nov 2022 06:00:00 -0600

Behavior Gap Radio: www.behaviorgapradio.com/

619 | Life Can Be Hard

Carl Richards — Thu, 27 Oct 2022 06:00:00 -0600

Behavior Gap Radio: www.behaviorgapradio.com/

613 | Over Indexing On Failure

Carl Richards — Thu, 20 Oct 2022 06:00:00 -0600

Behavior Gap Radio: www.behaviorgapradio.com/

603 | Don't Send That Email

Carl Richards — Thu, 13 Oct 2022 06:00:00 -0600

Behavior Gap Radio: www.behaviorgapradio.com/

598 | Carrying Something

Carl Richards — Thu, 06 Oct 2022 06:00:00 -0600

Behavior Gap Radio: www.behaviorgapradio.com/

592 | More Money Will Not Solve That Problem

Carl Richards — Thu, 29 Sep 2022 06:00:00 -0600

Carl engaged in a nuanced discussion with a close friend about the concept of financial security. They talked about this question: Does a specific bank balance—in this case, 12 months of spending—truly foster a sense of security? Carl challenges the notion that more money inherently equates to feeling secure. He argues that security is an internal state, not an external destination, shedding light on the crucial distinction between financial resources and emotional well-being.

575 | The THING at 10X

Carl Richards — Thu, 22 Sep 2022 06:00:00 -0600

Behavior Gap Radio: www.behaviorgapradio.com/

553 | Every Business Is a Lifestyle Business

Carl Richards — Thu, 15 Sep 2022 06:00:00 -0600

Behavior Gap Radio: www.behaviorgapradio.com/

550 | Systems That Optimize for Freedom

Carl Richards — Thu, 08 Sep 2022 06:00:00 -0600

Behavior Gap Radio: www.behaviorgapradio.com/

549 | Calendar Questions

Carl Richards — Thu, 01 Sep 2022 06:00:00 -0600

Behavior Gap Radio: www.behaviorgapradio.com/

548 | My Schedule Experiment

Carl Richards — Thu, 25 Aug 2022 06:00:00 -0600

Behavior Gap Radio: www.behaviorgapradio.com/

547 | No Guilt for Lifestyle Business

Carl Richards — Thu, 18 Aug 2022 06:00:00 -0600

Behavior Gap Radio: www.behaviorgapradio.com/

546 | Lifestyle Business

Carl Richards — Thu, 11 Aug 2022 06:00:00 -0600

Behavior Gap Radio: www.behaviorgapradio.com/

539 | I Don't Know Enough About That

Carl Richards — Thu, 04 Aug 2022 04:00:00 -0600

Behavior Gap Radio: www.behaviorgapradio.com/

535 | Optimizing for Calm

Carl Richards — Thu, 28 Jul 2022 04:00:00 -0600

Behavior Gap Radio: www.behaviorgapradio.com/

533 | Perseverance vs Insanity

Carl Richards — Thu, 21 Jul 2022 04:00:00 -0600

Behavior Gap Radio: www.behaviorgapradio.com/

529 | Delete, Delegate, Do

Carl Richards — Thu, 30 Jun 2022 07:00:00 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/

517 | Finding Your Thing

Carl Richards — Thu, 23 Jun 2022 07:00:00 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/

516 | Doing Your Thing

Carl Richards — Thu, 16 Jun 2022 07:00:00 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/

505 | Permission to Be Professionally Candid

Carl Richards — Thu, 09 Jun 2022 09:00:00 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/

501 | Is Money Comfortable Around You?

Carl Richards — Thu, 02 Jun 2022 07:00:00 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/

499 | The Best Advice Is the Advice That Gets Implemented

Carl Richards — Thu, 26 May 2022 11:49:44 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/

497 | The Most Interesting Money Question

Carl Richards — Thu, 19 May 2022 06:00:00 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/

496 | The Gift of The Magi

Carl Richards — Thu, 12 May 2022 06:00:00 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/

491 | Hedonic Treadmills

Carl Richards — Thu, 05 May 2022 06:00:00 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/

484 | That’s Why I Want to Sail

Carl Richards — Thu, 28 Apr 2022 06:00:00 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/

483 | Emotional Patina

Carl Richards — Thu, 21 Apr 2022 06:00:00 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/

475 | How Do We Know How Much To Spend

Carl Richards — Thu, 14 Apr 2022 06:00:00 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/

469 | And What Else

Carl Richards — Thu, 07 Apr 2022 04:00:00 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/ Learn about The Membership by joining The Society of Advice. Get your invitation here: https://www.thesocietyofadvice.com/

460 | Built To Die

Carl Richards — Thu, 31 Mar 2022 04:00:00 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/

454 | Statement of Financial Purpose

Carl Richards — Thu, 24 Mar 2022 06:00:00 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/

441 | Facts & Feelings

Carl Richards — Thu, 17 Mar 2022 06:00:00 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/ "Numbers and Feelings" in the Sketch Store: https://store.behaviorgap.com/products/numbers-and-feelings

440 | 4 Steps to Successful Investing

Carl Richards — Thu, 10 Mar 2022 06:00:00 -0700

Behavior Gap Radio: http://www.behaviorgapradio.com/

434 | Getting What You Paid For

Carl Richards — Thu, 03 Mar 2022 06:00:00 -0700

Behavior Gap Radio: http://www.behaviorgapradio.com/

432 | Rituals Instead Of Resolutions

Carl Richards — Thu, 24 Feb 2022 06:00:00 -0700

Behavior Gap Radio: http://www.behaviorgapradio.com/ Join The Society of Advice to learn about The Membership and watch the call with James Clear: https://www.thesocietyofadvice.com/

428 | Puzzles vs Problems

Carl Richards — Thu, 17 Feb 2022 06:00:00 -0700

Behavior Gap Radio: http://www.behaviorgapradio.com/

421 | How Are You

Carl Richards — Thu, 10 Feb 2022 03:00:00 -0700

Behavior Gap Radio: http://www.behaviorgapradio.com/ Behavior Gap Weekly Letter: https://behaviorgap.com/

420 | Listen to Tommy Rivs

Carl Richards — Thu, 03 Feb 2022 04:00:00 -0700

Behavior Gap Radio: http://www.behaviorgapradio.com/ "Ask Yourself This: What Burdens Is That Other Person Carrying?" https://behaviorgap.com/ask-yourself-this-what-burdens-is-that-other-person-carrying/

417 | Three Magic Minutes

Carl Richards — Thu, 27 Jan 2022 04:00:00 -0700

Behavior Gap Radio: http://www.behaviorgapradio.com/

413 | How You Bill Tells a Story

Carl Richards — Thu, 20 Jan 2022 04:00:00 -0700

Behavior Gap Radio: http://www.behaviorgapradio.com/

412 | Art Value and Price

Carl Richards — Thu, 13 Jan 2022 07:00:00 -0700

Behavior Gap Radio: http://www.behaviorgapradio.com/

407 | Go The Whole Way

Carl Richards — Thu, 06 Jan 2022 09:00:00 -0700

Behavior Gap Radio: http://www.behaviorgapradio.com/

404 | I Don’t Know What’s Going to Happen

Carl Richards — Thu, 30 Dec 2021 10:00:00 -0700

Behavior Gap Radio: http://www.behaviorgapradio.com/

401 | Ask First

Carl Richards — Thu, 23 Dec 2021 10:00:00 -0700

Behavior Gap Radio: http://www.behaviorgapradio.com/

398 | I Don't Mind Losing

Carl Richards — Thu, 16 Dec 2021 10:00:00 -0700

Behavior Gap Radio: http://www.behaviorgapradio.com/

396 | Tell Me The Zinger

Carl Richards — Thu, 09 Dec 2021 10:00:00 -0700

Listen to the full 4 episode series on Making Things Simple at BehaviorGapRadio.com.

386 | Impostor 3

Carl Richards — Thu, 02 Dec 2021 10:00:00 -0700

Listen to the full 8 episode series on The Impostor Syndrome at BehaviorGapRadio.com.

383 | Everything is Adventure

Carl Richards — Thu, 25 Nov 2021 10:00:00 -0700

Behavior Gap Radio: http://www.behaviorgapradio.com/

381 | Worries and Problems Never Happen

Carl Richards — Thu, 18 Nov 2021 04:00:00 -0700

Behavior Gap Radio: http://www.behaviorgapradio.com/

379 | Fix Being Busy

Carl Richards — Thu, 11 Nov 2021 04:00:00 -0700

Behavior Gap Radio: http://www.behaviorgapradio.com/

364 | Changing My Mind

Carl Richards — Thu, 04 Nov 2021 04:51:55 -0600

Behavior Gap Radio: http://www.behaviorgapradio.com/

371 | Why I Created an NFT

Carl Richards — Thu, 28 Oct 2021 12:41:21 -0600

Behavior Gap Radio: https://behaviorgap.com/radio NFT: https://bit.ly/3pA2gjn

Sneak Peek Week of July 25

Carl Richards — Mon, 26 Jul 2021 12:45:56 -0600

Sneak Peek: Week of July 12

Carl Richards — Mon, 12 Jul 2021 16:07:52 -0600

Sneak Peek July 5: An Audience of One

Carl Richards — Tue, 06 Jul 2021 11:11:15 -0600

Sneak Peek | Week of June 14

Carl Richards — Tue, 15 Jun 2021 10:08:18 -0600

Sneak Peek | The Week to Come

Carl Richards — Mon, 07 Jun 2021 12:26:14 -0600

248 | Asymmetrical Time Risk

Carl Richards — Sat, 05 Jun 2021 12:37:59 -0600

247 | Checker vs Chess

Carl Richards — Fri, 04 Jun 2021 09:43:21 -0600

F246 | News = Noise

Carl Richards — Thu, 03 Jun 2021 08:37:45 -0600

Special Announcement!

Carl Richards — Wed, 02 Jun 2021 09:21:58 -0600

245 | Finding Your Thing

Carl Richards — Tue, 01 Jun 2021 08:57:32 -0600

069 | Surf Uncertainty

Carl Richards: Human Behavior, Creativity, Behavioral Finance — Tue, 03 Oct 2017 10:10:42 -0600

Dave has had some unexpected success over the past 12 months. Massive success. The only problem is that with that success comes a lot of fear, uncertainty, and anxiety. What do you do with that? My attempt to answer that question, today on BG Radio. Listen time: 7:12

Extended Grace

Carl Richards: Human Behavior, Creativity, Behavioral Finance — Fri, 29 Sep 2017 16:23:08 -0600

Extended Grace by Carl Richards: Human Behavior, Creativity, Behavioral Finance

The Process of Creating

Carl Richards: Human Behavior, Creativity, Behavioral Finance — Fri, 12 May 2017 14:48:22 -0600

The Process of Creating by Carl Richards: Human Behavior, Creativity, Behavioral Finance

The Cost of Holding On

Carl Richards: Human Behavior, Creativity, Behavioral Finance — Fri, 19 Aug 2016 14:18:02 -0600

The Cost of Holding On by Carl Richards: Human Behavior, Creativity, Behavioral Finance

Looking for Permission

Carl Richards: Human Behavior, Creativity, Behavioral Finance — Fri, 12 Aug 2016 08:54:00 -0600

Looking for Permission by Carl Richards: Human Behavior, Creativity, Behavioral Finance

You Choose: 5 Days or 5 Years

Carl Richards: Human Behavior, Creativity, Behavioral Finance — Fri, 24 Jun 2016 11:22:52 -0600

You Choose: 5 Days or 5 Years by Carl Richards: Human Behavior, Creativity, Behavioral Finance

Leave a Little Slack

Carl Richards: Human Behavior, Creativity, Behavioral Finance — Fri, 27 May 2016 08:47:05 -0600

Leave a Little Slack by Carl Richards: Human Behavior, Creativity, Behavioral Finance

If You Love It, Don't Be Afraid to Spend More

Carl Richards: Human Behavior, Creativity, Behavioral Finance — Fri, 18 Dec 2015 14:22:58 -0700

If You Love It, Don't Be Afraid to Spend More by Carl Richards: Human Behavior, Creativity, Behavioral Finance

The Impostor Syndrome

Carl Richards: Human Behavior, Creativity, Behavioral Finance — Mon, 26 Oct 2015 07:44:07 -0600

The Impostor Syndrome by Carl Richards: Human Behavior, Creativity, Behavioral Finance

The Definition of Freedom

Carl Richards: Human Behavior, Creativity, Behavioral Finance — Mon, 12 Oct 2015 07:25:07 -0600

The Definition of Freedom by Carl Richards: Human Behavior, Creativity, Behavioral Finance