Please stay tuned for important disclosure information at the conclusion of this episode.

Hi and welcome to the Longview. I'm Christine Ben's Director of Personal Finance and Retirement Planning for Morningstar.

Today on the podcast, we welcome back Carl Richards, who's the author of a new book called Your Money, Reimagining Wealth in 101 Simple Sketches. His previous

books, The Behavior Gap and the One-Page Financial Plan, were both bestsellers. Carl started the

sketch guide column in the New York Times, and it ran weekly for a decade. Carl is a certified

financial planner, and he started the Society of Advice, which is a

community of financial planners dedicated to the craft of advice. In addition, Carl is active on the

podcast circuit. He hosts Behavior Gap Radio, as well as a podcast called 50 Fires, Money and Meaning

with Carl Richards. Carl also co-hosts a podcast with Michael Kitsis

called Kitsis and Carl, Real Talk for Real Financial Advisors. Carl, welcome back to the Longview.

So excited to be here. Thanks for having me again. Well, it's great to have you here. I was thinking

you've been one of our most frequent guests on the podcast.

So thank you for doing it.

We want to talk about the book, your new book.

But before we dive into that, I saw something in your bio that made me smile, which is how

you encountered the financial services industry.

There was a little bit of miscommunication. Can you talk

about that? Yeah. This is a true story. Yeah, it is a true story. I was just for context,

I was an undeclared major, newest hired a landscaping company, going to school full time. So there's a

lot going on here, but I had no idea what I

want to do with my life. And I came home one day and my wife had recently graduated with a degree

in finance, which did not sound that interesting to me at all. And she had opened the newspaper

...