Episode #100 “Why Plans are Worthless, Finding Enough and Being Human”

Carl Richards CFP® | Author | Creator | Sketch Guy Column


Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010.

Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.comIn addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.

Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin).

His sketches have appeared in a solo show at the Kimball Art Center in Park City, Utah as well as other showings at Parsons School of Design in New York City, The Schulz Museum in Santa Rosa, California, and an exhibit at the Mansion House in London. 


  • How to embrace “being human” when thinking about our money relationships
  • The value in knowing you are “safe” as it pertains to your financial life
  • Why money can’t provide certainty, security and feeling enough
  • The benefits of experiencing “the here and now” vs simply waiting for retirement
  • Accepting that “financial plans” alone are worthless
  • How/why focusing on the process and course corrections are the key to financial happiness
  • Finding happiness by holding our goals a “little lighter.”
  • How to become more congruent with our financial goals and daily actions


  • “Relax; it might not work, but it will be ok” – Carl Richards
  • “Enough is independent of my external circumstances” – Carl Richards
  • “No amount of money will solve money insecurities.” – Carl Richards
  • “You can never get there, only be there,” Carl Richards


  • Carl Richard’s Website Behavior Gap: CLICK HERE
  • The Society of Advice (for Financial Planners): CLICK HERE

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