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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Just about the time you think you’ve got it all figured out… things change. It’s true. People get jobs and lose jobs, get married and get divorced. Babies are born. Parents pass away. There will be ups and downs and times when nothing much happens at all. Just like a…
The world is full of people who love to talk. People talk about politics, they talk about #entrepreneurship, they talk about hacks, tips, and tricks. People love to talk as if they are experts about very complicated (and often deeply personal) subjects, like how to invest, how…
I’m not a Buddhist, but I do like many Buddhist teachings. One of my favorites is about a great battle the Buddha had with the demon-God Mara just before reaching enlightenment. I’ve heard psychologist and meditation teacher Tara Brach talk about it like this: One day, Buddha…
More often than not, we tend to know there’s a problem long before we do something about it. My question is, why? Do we think the problem is going to solve itself? Are we hopeful it will magically disappear? For example, if you’re like me, I bet you’ve ignored a “check engine”…
Every moment you spend thinking about the future, you’re making a tradeoff. When you’re worrying about the future, you’re missing a chance to have a meaningful conversation with your spouse or sit on the hammock and watch the sunset with your daughter. (Not that I’ve ever done…
Think back to the last time something made you angry. What did it feel like? Did your pulse quicken? Did your face get red? Did you notice that your breathing became rapid and shallow? That’s all perfectly normal, of course. That’s the parasympathetic nervous system kicking in.…
Imagine a box. This is a big box. Big enough to stand inside of. Like one of those X-ray scanners at the airport. This is also a very special box. When the old you steps inside of it, something magical happens, and you change. When you step out of the box, what emerges is a new,…
My wife and I used to have a standing dinner-and-a-movie date with really good friends. But one day, we realized we weren’t talking with our friends all that much because restaurants are noisy and theaters are quiet. We thought, okay… Why are we doing this? Because we want to…
We live in a time of too many options. How many time management apps will you try before you just use a 3x5 index card? How long will you search for the perfect pen before you finally start writing? You can keep exploring options if you want. Or you can embrace the…
We’ve been told to spend less. Cut back. Control ourselves. But what if we practiced spending better instead? This is my behind-the-scenes thinking that shaped essay 30 in my new book, Your Money, coming out in October 2025. The essay is called “The Spending Practice." This…
I ski the backcountry a lot, so I pay close attention to reports of avalanches. In particular, I pay attention when a skier is killed by one. Very few avalanche accidents are completely random. Some skiers got caught because they weren’t aware of the danger. But many others knew…
Here’s something we all know. Experiences > Money. Every. Single. Time. And yet, in spite of all of us knowing this, we sure find it difficult to remember. Or at least when it comes time to act, we sure find it hard to spend the money. Experiences tend to feel extravagant.…
Once upon a time, I was on a rafting trip on the Salmon River in Idaho. I was with a group of experienced river guides, but it was my first time being in charge of my own boat. I was worried. But then my experienced friends taught me something. When we approached a big rapid,…
We'd like to think of all the material things in our lives—our physical possessions—as stuff we own. But for some things, that may be backward. Take your phone, for example. Are you really in charge? Do you own your phone, or does your phone own you? Personally, sometimes I…
Do me a favor: grab a piece of paper and a pen. Come on… no excuses. If you’re sitting there reading this, you have time. Got it? Good. Now make two columns. Above the left column, write: Things I’ve Always Wanted To Do. Above the right column, jot down: Things I’ve Done.…
I've asked a simple question to thousands of people around the world: What's the first thing you think of when you see a dollar sign? The answers are never the same. Freedom. Constraint. Security. Stress. Opportunity. Burden. Liberation. Anxiety. One symbol. Countless…
When we think of investments, we tend to think about money. You buy some stock, and you hope that stock will pay dividends in terms of more money. Of course, anything can be an investment as long as you spend it hoping to get back more later. You might invest some time into…
Advisors: I’ve said it for years. Client events beat social media. Every time. This video? I filmed it in 2018. From a little coworking space in New Zealand. Before TikTok blew up. Before everyone had a “content strategy.” Before Threads. Before the content police took over…
Years ago, I was climbing a large mountain called the Grand Teton with a friend of mine who was actually a rocket scientist. And because I’d been there before, I was leading the climb. When my friend caught up to me at the top, he said, “Carl, moving that fast was…

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