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.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

In this episode of Behavior Gap Radio, Carl reflects on a backcountry skiing trip that offered profound moments of connection—with nature, loved ones, and the present moment. He explores the tension between saving for the future and fully embracing the wealth of sacred experiences available right now. Through stories of unexpected reunions, quiet mountain ridges, and laughter with friends, Carl challenges listeners to reconsider where the true value lies and invites them to lean into the joy and meaning already present in their lives.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

In this heartfelt episode of Behavior Gap Radio, Carl reflects on a powerful realization while preparing for a family trip: the delicate balance between knowing we are enough as we are and striving to be a little better. Through the story of creating a simple yet profound piece of art, Carl explores the tension of holding two seemingly opposing truths at once. He invites listeners to embrace this balance in their own lives and consider how they might share the message of "you are enough" with others during the holiday season.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

In this episode of Behavior Gap Radio, Carl dives into a powerful question inspired by a conversation with writer Joel Stein: If someone 100 years from now reviewed a perfect record of how you spent your money and time, what would they learn about your true values—and what might embarrass you? Carl explores the discomfort and growth that come from confronting gaps between our stated priorities and actual behavior. He challenges listeners to reflect on their own lives and consider: Do you have a safe space to face these uncomfortable truths? If so, hold onto it—it’s a rare and invaluable gift.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/