Money Is Human: A Powerful Conversation with Carl Richards on Fear, Permission, and Becoming a Better Investor

Dec 2, 2025

26:03

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Episode notes

Money doesn’t behave the way math does—and no one knows that better than today’s guest, Carl Richards, the New York Times “Sketch Guy” and author of The Behavior Gap. In Part 1 of this powerful two-part series, Shari Rash, sits down with Carl to unpack the exact moment he realized that investing is less about spreadsheets and more about psychology, fear, wiring, and real-life behavior.

Carl shares the story of stumbling into finance by accident, landing on the trading floor during the Netscape IPO frenzy, and discovering firsthand that humans—not numbers—drive markets.

Together, Shari and Carl explore why smart, capable people still buy high, sell low, and spiral during market chaos… and what it actually takes to become a better investor.

If you’ve ever wondered why the “right financial move” can feel impossible in the moment, this episode will make you exhale. The problem isn’t you—it’s human nature.

You’ll walk away with:

Why money decisions rarely follow logic
How your hardwiring pushes you toward emotional investing
What it really means to become a “good investor”
Carl’s “Deeper Yes” framework to avoid panic-selling
How Shari uses this work inside GWA Wealth to help clients stay grounded

This episode is deeply personal for Shari—Carl’s work shaped her entire approach to financial planning—and Part 1 sets the stage for an even more transformative conversation in Part 2. Listen to Behavior Gap Radio.

And if you’re ready to build a plan that honors both your numbers and your humanity, connect with Shari Rash on Instagram @everyonestalkinmoney. Learn more and listen to past episodes at everyonestalkinmoneypodcast.com.