We’re more financially informed than ever, thanks to FinTok, money podcasts, and yes, even chatbots. But when it comes to having real conversations about money with the people closest to us? We still freeze.

This week, Jean sits down with Carl Richards — New York Times “Sketch Guy” columnist, CFP®, and author of the new book Your Money: Reimagining Wealth Through 101 Simple Sketches — to talk about why personal finance is more emotional than we think, and how to start the conversations we’ve been avoiding.

In this episode, we cover:

Why budgeting tools don’t fix emotional money problems
How to align your spending with your values (without guilt)
Why we underestimate our future financial needs
Carl’s take on market volatility, retirement, and behavior-based investing
Why your calendar and checkbook reveal your true priorities
And how to talk about money with your partner, kids, or even yourself

Resources:

✏️ Follow Carl on Instagram: @behaviorgap

🎨 Explore Carl’s sketches: behaviorgap.com

🧠 Join the HerMoney Patreon for exclusive bonus content: HerMoney Patreon

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EP 498: The Personal Finance Tips That Really Matter, According to Carl Richards