The One-Page Financial Plan

Making Smart Decisions with Your Money Just Got a Whole Lot Easier

Financial decisions have never been more complex, and yet our ability to make smart financial decisions has never been more important. Over the last 20 years, I’ve spent more than 39,500 hours helping people learn how to make better decisions. I’ve pulled all of those conversations into one book. While I think it’s great, the ultimate test is what you think.

“There are a lot of smart financial minds. There are many gifted writers. There are very few of both. In a world where financial advice is (often purposely) complicated and filled with jargon, Carl is without peer in his ability to distill what matters most into something that is easy and fun to read. The true measure of a brilliant book is whether the material is as relevant to an industry expert as it is to a lay person. The One-Page Financial Plan unquestionably is. Buy two copies — one for yourself, and one to hand to the nearest pundit.”

– Morgan Housel, Wall Street Journal

“There are very few financial writers that have been more influential for me than Carl Richards. Having read all of his columns and seen him speak live, I can also safely say that Carl has done more to simplify the investing process than anyone else in America. His trademark combination of wit and illumination make The One Page Financial Plan an instant classic in the genre. Don’t invest another cent before you’ve digested this highly readable lesson.”

– Joshua M. Brown, CEO of Ritholtz Wealth Management and author of “Backstage Wallstreet”




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The Behavior Gap

Simple Ways to Stop Doing Dumb Things with Money

As a financial planner, Carl Richards grew frustrated watching people he cared about make the same mistakes over and over with their money. They were letting emotion get in the way of making smart financial decisions. He named this phenomenon—the distance between what we should do and what we actually do— “the behavior gap.” Using simple drawings to explain the gap, he found that once people understood it, they started doing much better.Richards’ work now attracts thousands at and at the Bucks Blog at The New York Times. Now in his first book he’ll help you to:

  • avoid the tendency to buy high and sell low;
  • avoid the pitfalls of generic financial advice;
  • invest all of your assets—time and energy as well as savings—more wisely;
  • quit spending money and time on things that don’t matter;
  • identify your real financial goals;
  • start meaningful conversations about money;
  • simplify your financial life;
  • stop losing money!

“We’ve all made mistakes, but now it’s time to give yourself permission to review those mistakes, identify your personal behavior gaps, and make a plan to avoid them in the future. The goal isn’t to make the ‘perfect’ decision about money every time, but to do the best we can and move forward. . . . Most of the time that’s enough.”

— From The Behavior Gap.