{"title":"Carl Richards Jr","description":"\u003cp\u003eExplore the compelling works of Carl Richards Jr, a visionary author known for insightful explorations of faith, family, and personal growth. Dive into thought-provoking narratives that resonate with the soul.\u003c\/p\u003e","products":[{"product_id":"behavior-gap-book-carl-richards-jr-9781591844648","title":"The Behavior Gap","description":"It's not that we're dumb. We're wired to avoid pain and pursue pleasure and security. It feels right to sell when everyone around us is scared and buy when everyone feels great. It may feel right-but it's not rational. -From The Behavior Gap   Why do we lose money? It's easy to blame the economy or the financial markets-but the real trouble lies in the decisions we make.As a financial planner, Carl Richards grew frustrated watching people he cared about make the same mistakes over and over. They were letting emotion get in the way of 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's way with words and images has attracted a loyal following to his blog posts for The New York Times, appearances on National Public Radio, and his columns and lectures. His book will teach you how to rethink all kinds of situations where your perfectly natural instincts (for safety or success) can cost you money and peace of mind.He'll help you to:    Û Avoid the tendency to buy high and sell low;    Û Avoid the pitfalls of generic financial advice;    Û Invest all of your assets-time and energy as well as savings-more wisely;    Û Quit spending money and time on things that don't matter;    Û Identify your real financial goals;    Û Start meaningful conversations about money;    Û Simplify your financial life;    Û Stop losing money! It's never too late to make a fresh financial start. As Richards writes: 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.","brand":"WoB","offers":[{"title":"GB \/ VERY_GOOD \/ INTERNAL","offer_id":49508931830033,"sku":"GOR004428332","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"US \/ GOOD \/ SBYB","offer_id":49563067777297,"sku":"CIN1591844649G","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ WELL_READ \/ SBYB","offer_id":49701664325905,"sku":"CIN1591844649A","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":49864401977617,"sku":"CIN1591844649VG","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"GB \/ LIKE_NEW \/ INTERNAL","offer_id":51304143388945,"sku":"GOR008144263","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"GB \/ GOOD \/ INTERNAL","offer_id":52411249164561,"sku":"GOR007222480","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/1591844649.jpg?v=1751276042"},{"product_id":"truth-we-chase-book-carl-richards-jr-9798642459546","title":"The Truth We Chase","description":null,"brand":"WoB","offers":[{"title":"GB \/ VERY_GOOD \/ INTERNAL","offer_id":49512991752465,"sku":"GOR011656539","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/B087SN2T34.jpg?v=1763040782"},{"product_id":"one-page-financial-plan-book-carl-richards-jr-9780241019443","title":"The One-Page Financial Plan","description":"'Distills what matters most into something that is easy and fun to read' Morgan Housel, columnist, The Wall Street Journal  A simple, effective way to transform your finances and your life from leading financial advisor and New York Times columnist Carl Richards   Creating a financial plan can seem overwhelming, but the best plans aren't long or complicated. A great plan has nothing to do with the details of how to save and invest your money and everything to do with why you're doing it in the first place. Knowing what's important to you, you will be able to make better decisions in any market conditions.  The One-Page Financial Plan will help you identify your values and goals. Carl Richard's simple steps will show you how to prioritize what you really want in life and figure out how to get there.  'In a world where financial advice is (often purposely) complicated and filled with jargon, Carl Richards distils what matters most into something that is easy and fun to read'  Wall Street Journal  'Feeling tormented by your finances? Read this book. Now.The One-Page Financial Plan helps you identify what you truly want from life, get crystal clear about the financial position you are starting from today, and develop a simple, actionable plan to narrow the gap between the two'  Manisha Thakor, CEO at MoneyZen Wealth Management","brand":"WoB","offers":[{"title":"GB \/ VERY_GOOD \/ INTERNAL","offer_id":49556901363985,"sku":"GOR006628682","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"GB \/ NEW \/ GARDNERS","offer_id":49728431620369,"sku":"NGR9780241019443","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"US \/ WELL_READ \/ SBYB","offer_id":50113935114513,"sku":"CIN0241019443A","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ GOOD \/ SBYB","offer_id":50346155802897,"sku":"CIN0241019443G","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":52103085949201,"sku":"CIN0241019443VG","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"GB \/ LIKE_NEW \/ INTERNAL","offer_id":53482118086929,"sku":"GOR011037197","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"GB \/ GOOD \/ INTERNAL","offer_id":53556379713809,"sku":"GOR012506594","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/0241019443.jpg?v=1751132930"},{"product_id":"one-page-financial-plan-book-carl-richards-jr-9781591847557","title":"The One-Page Financial Plan","description":"\u003cb\u003eWhenever I tell people about my job as a financial advisor, the conversation inevitably turns to how hopeless they feel when it comes to dealing with money. More than once, they've begged, \"Just tell me what to do.\"\u003c\/b\u003e \u003cp\u003eIt's no surprise that even my most successful friends feel confused or paralyzed. Even if they have a shelfful of personal finance books, they don't have time to make sense of all the information available. They don't just want good advice, they want the best advice--so rather than do the \"wrong thing,\" they do nothing. Their 401(k) and bank statements pile up, unexamined or maybe even unopened.\u003c\/p\u003e \u003cp\u003eWhat they don't realize is that bad calls about money aren't failures; they're just what happens when emotional creatures have to make decisions about the future with limited information. What I tell them is that we need to scrap striving for perfection and instead commit to a process of guessing and making adjustments when things go off track. Of course we're going to make the best guesses we can--but we're not going to obsess over getting them exactly right.\u003c\/p\u003e \u003cp\u003eThe fact is, in a single page you can prioritize what you really want in life and figure out how to get there. That's because a great financial plan has nothing to do with what the markets are doing, what your real estate agent is pitching, or the hot stock your brother-in-law told you about. It has everything to do with what's most important to you.\u003cbr\u003e \u003cbr\u003e By now you may be wondering, \"What about the details? How much do I need to invest each year, and how do I allocate it? How much life insurance do I need?\" Don't worry: I'll cover those topics and many more, sharing strategies that will take the complexity out of them.\u003cbr\u003e \u003cbr\u003e The most important thing is getting clarity about the big picture so you can cope with the unexpected. Maybe you'll lose the job you thought was secure; you'll take a financial risk that doesn't pan out; you'll have twins when you were only budgeting for one. In other words: Life will happen.\u003c\/p\u003e \u003cp\u003eBut no matter what happens, this book will help you bridge the gap between where you are now and where you want to go.\u003c\/p\u003e","brand":"WoB","offers":[{"title":"GB \/ VERY_GOOD \/ INTERNAL","offer_id":49772419088657,"sku":"GOR008989925","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ WELL_READ \/ SBYB","offer_id":49850554319121,"sku":"CIN1591847559A","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":49894859997457,"sku":"CIN1591847559VG","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ GOOD \/ SBYB","offer_id":50484902789393,"sku":"CIN1591847559G","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ NEW \/ INGRAM","offer_id":51037853778193,"sku":"NIN9781591847557","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"GB \/ LIKE_NEW \/ INTERNAL","offer_id":51713909653777,"sku":"GOR014374678","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"GB \/ GOOD \/ INTERNAL","offer_id":53394360336657,"sku":"GOR012965601","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/1591847559.jpg?v=1750862337"},{"product_id":"the-one-page-financial-plan-a-simple-way-to-be-smart-about-your-money-cd-9781469061979","title":"The One-Page Financial Plan","description":"\u003cb\u003eWhenever I tell people about my job as a financial advisor, the conversation inevitably turns to how hopeless they feel when it comes to dealing with money. More than once, they've begged, Just tell me what to do.\u003c\/b\u003e\u003cp\u003eIt's no surprise that even my most successful friends feel confused or paralyzed. Even if they have a shelfful of personal finance books, they don't have time to make sense of all the information available. They don't just want good advice, they want the best advice--so rather than do the wrong thing, they do nothing. Their 401(k) and bank statements pile up, unexamined or maybe even unopened.\u003c\/p\u003e\u003cp\u003eWhat they don't realize is that bad calls about money aren't failures; they're just what happens when emotional creatures have to make decisions about the future with limited information. What I tell them is that we need to scrap striving for perfection and instead commit to a process of guessing and making adjustments when things go off track. Of course we're going to make the best guesses we can--but we're not going to obsess over getting them exactly right.\u003c\/p\u003e\u003cp\u003eThe fact is, in a single page you can prioritize what you really want in life and figure out how to get there. That's because a great financial plan has nothing to do with what the markets are doing, what your real estate agent is pitching, or the hot stock your brother-in-law told you about. It has everything to do with what's most important to you. \u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e By now you may be wondering, What about the details? How much do I need to invest each year, and how do I allocate it? How much life insurance do I need? Don't worry: I'll cover those topics and many more, sharing strategies that will take the complexity out of them. \u003cp\u003e\u003c\/p\u003e The most important thing is getting clarity about the big picture so you can cope with the unexpected. 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We're wired to avoid pain and pursue pleasure and security. It feels right to sell when everyone around us is scared and buy when everyone feels great. It may feel right-but it's not rational.\"\u003cbr\u003e -From The Behavior Gap\u003c\/b\u003e \u003cp\u003e\u003cbr\u003e Why do we lose money? It's easy to blame the economy or the financial markets-but the real trouble lies in the decisions we make.\u003c\/p\u003e \u003cp\u003eAs a financial planner, Carl Richards grew frustrated watching people he cared about make the same mistakes over and over. They were letting emotion get in the way of 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.\u003c\/p\u003e \u003cp\u003eRichards's way with words and images has attracted a loyal following to his blog posts for \u003ci\u003eThe New York Times\u003c\/i\u003e, appearances on National Public Radio, and his columns and lectures. His book will teach you how to rethink all kinds of situations where your perfectly natural instincts (for safety or success) can cost you money and peace of mind.\u003c\/p\u003e \u003cp\u003eHe'll help you to-\u003c\/p\u003e \u003cbr\u003e \u003cbr\u003e .Avoid the tendency to buy high and sell low;\u003cbr\u003e .Avoid the pitfalls of generic financial advice;\u003cbr\u003e .Invest all of your assets-time and energy as well as savings-more wisely;\u003cbr\u003e .Quit spending money and time on things that don't matter;\u003cbr\u003e .Identify your real financial goals;\u003cbr\u003e .Start meaningful conversations about money;\u003cbr\u003e .Simplify your financial life;\u003cbr\u003e .Stop losing money! \u003cp\u003eIt's never too late to make a fresh financial start. As Richards writes- \"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. 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