Carl Richards @behaviorgap

Pay attention to money and your relationship with it will change. behaviorgap.com Park City, Utah Joined October 2008

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Carl Richards @behaviorgap

3 days ago

Long-term results often look boring at first. Patience gives compounding time to become visible!

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Carl Richards @behaviorgap

a week ago

The best investment may be the one you can leave alone.

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Carl Richards @behaviorgap

3 weeks ago

Diversification requires the humility to own something you dislike because you can't know what the future will favor.

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A good story can make hope sound like research! A smart friend told you about it, you read an article, you think you can explain why it should go up… But before you invest, ask yourself, “What do I actually know?” The market doesn’t care what we hope will happen. This sketch is from my latest book, Your Money. You can order a copy for yourself here or anywhere you love to buy books: buff.ly/j9m6POP To order in bulk as gifts for clients, colleagues, or friends, use this link to get an additional 5% off U.S. bulk orders with the code: YOURMONEY5. buff.ly/AzNCmFh Leave a copy on your coffee table, in your conference room, or in the hands of the people who trust you!

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Carl Richards @behaviorgap

a month ago

When an investment has been doing well, buying it feels sensible. You have proof. You can see the results! The problem is that all the proof is behind you. Past performance is information. It isn’t a plan.

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Carl Richards @behaviorgap

a month ago

We buy high and sell low, even though we know better. At the top of the market, we can’t buy fast enough. At the bottom, we can’t sell fast enough. Repeat until broke. This behavior is normal, but acting on it can cost a lot! My latest book, Your Money, was written for everyone brave enough to break the silence around money. 📚 If you’d like copies for your team, clients, or for the attendees of your next event, you can place U.S. orders in bulk at a discounted rate here: buff.ly/L8ORbhz Use the code YOURMONEY5 for an extra 5% off. Outside the U.S.? Email [email protected], and the team can help with a bulk order.

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Carl Richards @behaviorgap

2 months ago

There’s a difference between what an investment earns and what an investor actually gets. The return can happen. And we can still miss it. Usually because we weren’t there long enough to receive it! That’s what I like to call The Behavior Gap.

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Carl Richards @behaviorgap

2 months ago

Clients often ask, “Should I spend less?” Sometimes the better question is: “Is this way of spending actually giving you what you want?” That question changes the conversation. This idea comes from my new book, Your Money: Reimagining Wealth in 101 Simple Sketches. Want a copy? 📘 Order a copy for yourself on Amazon or your favorite bookstore buff.ly/kHLquwo 📚 Order in bulk to hand out to clients, prospects, or friends. Use this link to order and get an additional 5% off bulk orders (U.S. shipping only) with the code: ADVISOR5. buff.ly/BjBaO2g 🌎 If you're outside of the United States and would like to place a bulk order of 25+ copies, email the team at [email protected]. Leave a copy on your coffee table, in your conference room, or in the hands of the people who trust you!

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Carl Richards @behaviorgap

2 months ago

Put this sketch in front of a client who feels guilty about spending and ask, “Does this line up with what matters most?”

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Carl Richards @behaviorgap

2 months ago

When you tell yourself, “Don’t look, don’t look, don’t look,” but you still look. Sometimes the move is to redirect.

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Carl Richards @behaviorgap

2 months ago

When it comes to experiences with people you love, spend the money. Not every time. Not without thinking. But more often than your spreadsheet might suggest. 📚 This sketch is from my latest book, Your Money: Reimagining Wealth in 101 Simple Sketches. Order your copy here: buff.ly/t9S8B0B

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Carl Richards @behaviorgap

3 months ago

Cheap things can cost us money. They can also cost us time, attention, and hassle. That part matters, too. → This sketch comes from my latest book, Your Money: Reimagining Wealth in 101 Simple Sketches. You can order it wherever you buy books, or here: buff.ly/GjHJgyx

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Carl Richards @behaviorgap

3 months ago

At some point, the research costs more than the thing. Just pick one and move on. From my new book, Your Money: Reimagining Wealth in 101 Simple Sketches: buff.ly/GjHJgyx

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Carl Richards @behaviorgap

3 months ago

Most financial goals sound exciting in the beginning. 💪 Retire early. 🌎 Travel more. 💰 Give more away. But for Real Financial Advisors, almost every meaningful financial goal eventually runs into the same question: 👉 How’s the cash flow? That’s not just math. That’s behavior! It's where values become visible, where the real work lives. These are the kinds of conversations I love having with advisory firms, leadership teams, and conference audiences. If you’d like me to speak at your next event, my team would love to help make it happen. 💌 Email [email protected] and let's talk.

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Carl Richards @behaviorgap

3 months ago

Most people think saving money starts with restriction. Sometimes it just starts with noticing. One small positive outcome changes what feels possible. That’s why tiny wins matter so much with money.

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Carl Richards @behaviorgap

4 months ago

We tend to think big goals require big action. But most of the time, progress starts with one small move. Saving for college feels overwhelming. Finding an extra $100 does not. That’s the power of a micro-action. 💪 It creates momentum, and momentum has a way of spreading. Start there. Then see what happens next. This sketch is from my new book, Your Money: Reimagining Wealth in 101 Simple Sketches. If you’d like copies for your team, clients, or for the attendees of your next event, U.S. orders have a discounted bulk rate here: buff.ly/Wrqn78Q. Use the code YOURMONEY5 for an additional 5% off.

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Carl Richards @behaviorgap

4 months ago

The next smallest action is usually smaller than you think. That’s why it works.

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Carl Richards @behaviorgap

4 months ago

My next Weekly Letter "No… smaller than that." is coming tomorrow May 28. Subscribe to get it and stay in the loop on everything I'm creating. buff.ly/mUtRmm1

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Carl Richards @behaviorgap

4 months ago

Every dollar spent is a tiny vote for what matters to us. That’s true whether we notice it or not. Our spending shapes our values, too.

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Carl Richards @behaviorgap

4 months ago

Every financial decision is a tradeoff. It's not about right or wrong. Or good or bad. 💥 It's present vs. future. We don’t always say it that way, but that’s what’s happening. Once you see it, things get clearer. You stop looking for the perfect answer. You start asking a better question: 👉 What am I trading away to get this now? I wrote about this idea in Your Money: Reimagining Wealth in 101 Simple Sketches. If you like my work, I think you'll love this new book. Order a copy from your local bookstore here: buff.ly/pqdwHmh