Our guest on the podcast is Carl Richards, who specializes in conveying sophisticated financial concepts in an easy-to-understand way--specifically, using a Sharpie. Carl is a Certified Financial Planner™ and creator of the Sketch Guy column in The New York Times. He’s also author of 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. In addition, he hosts the “Behavior Gap Radio” podcast and also co-hosts a podcast with financial-planning guru Michael Kitces called “Kitces and Carl.”BackgroundCarl Richards bioCarl Richards' booksCarl Richards articlesCarl Richards “Sketch Guy” column in The New York Times Behavior Gap Radio podcastKitces and Carl podcast“12 Simple Sketches That Perfectly Illustrate the Path to Wealth and Financial Happiness,” by Libby Kane and Libertina Brandt, Business Insider, July 22, 2019.The Behavior Gap“The Behavior Gap,” by Carl Richards. Medium.com. Oct. 18, 2018.“To Avoid the Biggest Investing Mistake, Stay Strong,” by Carl Richards, The New York Times, March 26, 2013.“Yes, Numbers Matter in Financial Decisions, but So Do Emotions,” by Carl Richards, The New York Times, May 8, 2017.Articulating and Achieving Goals“Goals As Guesses,” by Carl Richards, YouTube, Jan. 16, 2018. “The Magic of a Single Micro-Action,” by Carl Richards, The New York Times, Nov. 6, 2017. “A Simple Formula for Making Dreams Come True,” by Carl Richards, Medium.com, June 28, 2018.“Hal Gregersen Interview: Asking the Right Questions,” YouTube.com, April 8, 2018. Questions Are the Answer: A Breakthrough Approach to Your Most Vexing Problems at Work and in Life, by Hal Gregersen, Harper Business, 2018. The Dan Sullivan Question, by Dan Sullivan, The Strategic Coach, 2009. “Your Future Should Be Bigger Than Your Past. Here’s How to Do It,” by Carl Richards, The New York Times, Sept. 14, 2018. “The First (and Last) Step to Financial Satisfaction? Defining ‘Enough’,” by Carl Richards, The New York Times, May 1, 2017.“Setting Aside Shame and Blame in Financial Decisions,” by Carl Richards, The New York Times, Sept. 8, 2015.“How to Talk About Money,” by Carl Richards, The New York Times, Dec. 18, 2018.“Look Inward to Determine Your Financial Values,” by Carl Richards, The New York Times, April 20, 2015. “Where Does the Time Go? You Can Find Out, If You Dare,” by Carl Richards, The New York Times, July 5, 2017.“Seeking More Fun? Examine the Returns on Your Time Investments,” by Carl Richards, The New York Times, July 10, 2017. When Things Fall Apart: Heart Advice for Difficult Times, by Pema Chodron, Shambhala, 2016.“We Are All Normal,” Meir Statman, Morningstar The Long View podcast, Oct. 30, 2019. Finance for Normal People, by Meir Statman, Oxford University Press, 2019.Thinking Fast and Slow, by Daniel Kahneman, FSG Adult, 2013. “The Benefits of Getting an Icy Start to the Day,” by Carl Richards, The New York Times, March 14, 2016.