behaviorgap

Future Financial Needs

.jpg) Believe it or not, there are people on track to reach their financial goals, but the only way they know they’re on track is that they took the time for fi...

Long-Term Plans, Short-Term Guesses

Lately, the financial markets have managed to freak out a lot of people. Of course, there are a lot of things going on in the world. However, despite our fascin...

Extending Grace

.jpg) Will you try something with me? Grab a blank piece of paper, draw a line right down the middle, and think of the last time you saw someone fail. It might ...

What about that space between...?

Personal finance advice is always focused on either controlling a stimulus or fighting our response. Let's just use spending as an example. In order to get cont...

Do Boring Things Over a Long Period of Time for Amazing Things to Happen

I've come to see the best path to long-term change is slow, simple, and boring. I wrote about this recently in my column at the New York Times. The incremental ...

Hi! I'm Carl Richards, creator of the weekly Sketch Guy column in the New York Times.

Hi folks! I am the creator of the weekly Sketch Guy column in the New York Times, author of “The Behavior Gap” and “The One-Page Financial Plan”, a certified fi...