by Carl Richards | Jun 27, 2018 | Habits, spending
You are not your spending thoughts. Spending without thinking about the long-term consequences is a problem. And by the long term, I mean just 30 days from now when the credit-card statement arrives. Some people label this type of spending “impulsive.” Others use the...
by Carl Richards | Jun 20, 2018 | Experts, Financial Planning
There are two types of experts in the world: real experts, and fake ones. The real experts are the people who spend many years refining their knowledge and skill set in a particular area and become masters of pattern recognition. But all too often, they end up...
by Carl Richards | May 30, 2018 | Habits, Resistance
Let’s play a little game. Clear your mind. Go ahead, clear it. O.K., now, as soon as you finish reading this sentence, try not to picture a white bear. D’oh! O.K., let’s try again. On the count of three. One … two … White bear! Dang it! If you’re having trouble with...
by Carl Richards | Mar 14, 2018 | Decisions, Goals
Let me tell you a little story. It’s the story of a consultant who had a scary idea. She wanted to publish a cookbook. She had no background in writing, publishing, cooking, blogging or anything related to that goal. In this tall tale, the consultant left her job to...
by Carl Richards | Apr 17, 2017 | Expenses, Experiences, Investments, Life, Money, Values
Life experiences give you an incalculable return on investment. Every. Single. Time. So why is it so hard for us to spend money on them? The reason for me is often that experiences tend to feel like an extravagant expenditure of money, time and energy. Let me give you...
