The Manifesto - Welcome

The Manifesto - Introduction

The Manifesto - Chapter 1

The Manifesto - Chapter 2

The Manifesto - Chapter 3

The Manifesto - Chapter 4

The Manifesto - Chapter 5

The Manifesto - Chapter 6

The Manifesto - Chapter 7

The Manifesto - Conclusion

Carl Richards started The Sketch Guy column in The New York Times from the hills of Utah, crafting clear, relatable insights about money with just cardstock and a Sharpie. The column ran weekly for a decade. This journey began when Carl applied for what he thought was a job as a “security guard,” only to find out the ad actually said “securities.” That slight misstep sparked a lifelong dedication to reshaping how we think about money.

Since then, Carl has become a Certified Financial Planner™, built and sold a successful investment firm, and spoken at financial and investment events worldwide—from Australia to South Africa, the UK, and major economic centers across Europe, Canada, and the United States. His bestsellers, The Behavior Gap and The One-Page Financial Plan, have been translated into over ten languages and continue to resonate globally.

His latest book, Your Money: Reimagining Wealth in 101 Simple Sketches, came out in October 2025. It’s a collection of 101 sketches and essays, designed to spark real conversations about money.

Through his daily podcast, Behavior Gap Radio, which now has over 1,300 episodes and over one million downloads, Carl shares new perspectives on aligning our resources with what truly matters. His latest audio project, 50 Fires, backed by executive producers Chip and Joanna Gaines, explores the intersections of money and meaning with guests like Pete Holmes, David Whyte, Krista Tippett, and his favorite guest by far, his wife, Cori.

Carl founded The Society of Advice, a community of financial planners dedicated to the craft of advice. They gather for a monthly online workshop and frequent retreats in Park City, Utah.

When he’s not exploring ideas about money, Carl, a Wilderness First Responder, can be found navigating Utah’s high mountain ridges on foot, skis, or bike. Married to Cori since 1995, they have four kids, whom they consider their best friends.

The Manifesto - Chapter 7

The Society of Advice

Related tracks