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Budgeting doesn’t have to be painful. In fact, it can be a fun game. Some friends of mine played this fun little budgeting game I created called Carl Richards’ Budgeting Treasure Hunt. When they started, they had a goal of saving $1 million dollars. Crazy, right? The only way

Since 2024, I've been gathering small groups of advisors at our home in Park City. We spend two days together. Around the table. On the trail. By the fire. Here’s the thing: There’s no agenda. No slide deck. No stage. Just my living room, some sharpies, and a group of real

It’s crazy how fast a want can turn into a need. I noticed this once when I saw an ad for a new iPhone. I remember thinking, “Wow, that’s cool, but I already have one.” And then, within what felt like a matter of days, that new iPhone showed up on my desk, and I was totally

We love to win, but not as much as we hate to lose. For example, pretend that a few years ago, you hired an advisor and built a diversified, low-cost portfolio based on your values and goals. But you still have a dirty little secret—the stock your brother-in-law recommended

I wrote a Manifesto. Not to convince anyone. But to clarify something for the people who have always felt a little out of place in this industry. You know who you are. ...You care more about people than products. ...You’re not trying to scale for scale’s sake. ...You’re

What I’m about to tell you is going to sound crazy, but bear with me because it’s definitely true. Ready? Here it is… We get to decide what we focus on. Hold on… let me repeat that in case you missed it. We. Get. To. Decide. What. We. Focus. On. When it comes to investing,

We don’t know when to stop. At least, I sure don’t. Sometimes, on the way home from work, I’ll swing by the grocery store, buy a pint of ice cream, and eat it. That’s right. The whole thing. Yes, I know. That’s a LOT of ice cream. I’ve noticed that a very interesting thing

The following is a message from the Center for Personal Finance Disease Control about a particularly dangerous virus called Pretend Investor Disease (PID). PID is an especially malignant disease that, if left untreated, can suck your savings dry. It works by convincing you to

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There’s a difference between speculating and investing, and it pays to know what the difference is. Speculating is exciting, full of breathtaking ups and downs. If you chart it over time, it looks like a heartbeat. Probably an elevated one. Investing, on the other hand, is slow

Heads up, friends. Barnes & Noble’s Summer Preorder Sale just launched, and it includes Your Money—my new book, out in 2025. From now until July 11, you can get 25% off any preorder at Barnes & Noble (plus an extra 10% if you’re a Premium Member). Just use the code PREORDER25

Investing based on past performance is like driving while looking in the rear view mirror. It. Will. Cause. Accidents. Now, I know we’ve all heard the disclaimer repeated on every single investment advertisement: “Past performance is no indication of future results.” We hear it

Do me a favor. Try to remember a time when you read or heard something about money in the news, you acted on it, and then, with the benefit of hindsight, you were glad you did. This could include any number of things: the latest IPO, bear markets, bull markets, mergers, market

Imagine it’s a very still day, and you’re in a boat on the ocean. There’s no wind. No swell. The water is as flat as a mirror. The calm goes on just long enough for you to start to feel like it’s normal. When a small wave finally comes… it feels big. When a regular wave

If you’re worried about the stock market, find someone to give you a hug. That’s right. A hug. It may come as a surprise, but that would actually do most of us some good. When the markets go down and the financial pornography network starts yelling that you should save

One of the craziest things we do as humans is take the recent past and project it indefinitely into the future. As the news cycle has sped up, this problem has only gotten worse. It used to feel like the “recent past” went as far back as a couple of years. Today, it often feels

When it comes to personal finance, what matters is not beating some index. What matters is meeting your goals. An index, of course, is just a broad measure of how a particular market has done. Think of it as the average. The investment industry seems to think their entire

Most of us make the same mistake with our money over and over: we buy high out of greed and sell low out of fear. Just look at mutual funds. At the top of the market, we can’t buy fast enough. At the bottom, we can’t sell fast enough. And we repeat that over and over until