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.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 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?"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, 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.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 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?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, 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.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 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.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 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.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 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.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 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.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 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.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/