In this episode of the Resilient Investors podcast, the team welcomes author Carl Richards to discuss his latest book, "Your Money: Reimagining Wealth in 101 Simple Sketches." Carl shares insights from his journey as a financial planner and author, emphasizing the importance of conversations about money and the role of attention as a valuable resource. The discussion explores themes from Carl's book, including the concept of "conversation grenades" and the significance of aligning financial decisions with personal values. The episode also features contributions from co-hosts Kim Gaxiola and Carolyn Rowland, who share their perspectives on financial planning and the challenges of discussing money.
Here is the full transcript of the podcast
Victor Gaxiola:
Well hello and welcome everyone to the Resilient Investors podcast. Today we have a very special program. We have author Carl Richards who's going to be sharing some insights not only from his books and his column but also his own experience. Now little bit of background on Carl. He started the Sketch Guy column in the New York Times from the hills of Utah where he lives, crafting very clear and relatable insights about money with just cart stock and a Sharpie.
Probably not a pink Sharpie, but a Sharpie. Now this column ran weekly for a decade and this journey began when he applied for what he thought was a job as a security guard, only to find out that the ad actually said securities and that slight misstep sparked a lifelong dedication to reshaping how we think about money. Now since then, Carl has become a certified financial planner, built and sold a successful investment firm, and has spoken at Financial and Investment events all over the world from Australia to South Africa to the UK and major economic centers across Europe, Canada and the United States. Now his bestsellers, The Behavior Gap and The One Page Financial Plan have been translated into over 10 languages and continues to resonate globally. His latest book, Your Money Reimagining Wealth in 101 Simple Sketches came out this October of 2025 and I am holding a copy right here, read right through it. It's an excellent book. It's a collection of about 101, exactly 101 sketches and essays that are designed to spark real conversations about money. So we're gonna get into the book. Now through his daily podcast known as the Behavior Gap Radio, which now has over 1300 episodes and over 1 million downloads, Carl shares new perspectives on aligning our resources and what truly matters.
Victor Gaxiola:
His latest audio project, 50 Fires, is backed by executive producers Chip and Joanna Gaines, which many of you may know, and it explores the intersections of money and meaning with guests like Pete Holmes, David White, Chris the Tippit, and his favorite guest by far, which would be my favorite guest too, his wife, Corey. Now, Carl has founded the Society of Advice, a community of financial planners that are dedicated to the craft of advice and they gather for a monthly online workshop and frequent retreats in Park City, Utah, which is beautiful. So when Carl is not exploring ideas about money, he is a wilderness first responder, and he can be found navigating Utah's high mountain ridges on foot, skis, or on his bike. He's been married to Cory since 1995. They have four kids whom they consider their best friends.
Victor Gaxiola:
So with that, it gives us great pleasure here at Resilient Wealth Planning to welcome Carl to the podcast. I'll bring on Carolyn, I'll bring on Kim, and we're gonna have a very lively conversation that lasts a little over 30 minutes. And at the end, stay tuned for a very special opportunity for you to get a copy of the book yourself. We hope you enjoy the podcast recording here. Take it away.
Kim Gaxiola:
Welcome Carl Richards to our podcast today. We are so happy to have you here. And I want to tell you that I was so motivated to invite you to the Resilient Investors podcast as I listened to you speak at a recent eMoney conference. And I was so excited about everything you said. You know, I went and bought your newest book and didn't just buy one.
Carl:
Mm. Mm.
Kim Gaxiola:
but bought over a hundred of them because I wanted to just share it with all the people that I cared about, all of our clients, all of our friends in the industry and referral partners, everyone. You start out or actually on the back of the book, it says, this is a conversation grenade. tell us about how you came up with that description for the book.
Carl:
Mm, Yeah. Well, Kim, thanks. First of all, I'm just honored to be here. And the real goal of the book has been realized already because it's the goal of the book was just to inspire more of these kind of conversations like the one we're going to have today. And so that's what I thought of. I noticed. So for 10 years, I wrote a column for the New York Times and every one of them had one of these little sketches. So every week, so whatever that is, more than 500 of them. And I noticed years ago, maybe as long as a decade ago, that I started getting these emails from people that would say, I printed out the, I screenshot it or I printed out the sketch and I hung it on my fridge or I put it on the bulletin board in the break room at the office or, and unfortunately, none of these emails said something like, I am struck by the visual presence of that. None of them said, they're so artistic. But what they did say was, you wouldn't believe the conversations they start. And so I started thinking of just the sketches as this idea, like you throw one in a room and conversations break out. And I heard Hugh McCloud, Hugh McCloud's been writing forever.
Victor Gaxiola:
Mm-hmm.
Carl:
Do these little things on the back of business cards, little cartoons on the backs of business cards. And I heard Hugh talk about he, think he's the first place I ever heard the term conversation grenade. And I love that idea of like you toss this. So I was like, that's, that's the whole Genesis for the book was like, could I design a book? Cause it's, I mean, my last book came out 11 years ago. I I've been refusing to write books for over a decade, despite being asked every month. I'm like, leave me alone, leave me alone, leave me alone. I finally was like connected those dots. I was like, could I put a collection of these together? And the entire goal of the book is to generate conversations with the people we love, right? To give me a tool to talk with my spouse. How about to talk with my daughter or my son or my colleagues or my coworkers or my clients in your case, right? So that's where that's, that's not only conversation grenades, but that's the goal of the entire project, if you will.
Kim Gaxiola:
So why do you think we did several years ago, Victor and I did a series of retreats, we called them, let's talk about money, break the money silence. Why do you think that people still have such a hard time speaking about money?
Carl:
I mean, I have thought so much about that question. I actually engaged in a project, research project, trying to find like the root of that. And I'm not sure I was able to do it other than some pointing at sort of the age of gilded barons saying things to people who didn't have any land. Like, we don't talk about that. Like to sort of protect, there was sort of this like keep the masses down by not allowing them to talk about money. Like that's the closest I could come to figure out where this early started. But now I know two things. One, nobody ever modeled it for us. So this has just sort of been something that's been perpetuated generation to generation. Like no one, almost no one can remember being taught how to talk about money. Now, we got to be clear here. And I know you've got a very savvy, smart, and even tech forward audience. I'm not talking about the economy when I say talk about money. There's an entertainment I call like the financial pornography version of talking about money. know, watching the financial pornography network and then commenting about the markets. That's not what I'm talking about. I'm talking about, gosh, what's it all for? Or...
Victor Gaxiola:
Mm-hmm.
Kim Gaxiola:
Right.
Carl:
My dad used to say to me when I was eight, don't be so spoiled. Or what are you dreaming about? Or what was your first memory? And so nobody taught us that. And the second part to this is that there's this very unique thing that happens. It's because if we're taught anything about money, we're taught that in the business department or the math department. Like it's a math problem. It's business, it's spreadsheet, it's a calculator. And then we go to touch it and suddenly all the feelings show up. And we don't know what to do with that. Right? It's like touching an electric fence that you didn't know was electric. Like it's one thing to bump up against one that you know is electric. That's one thing. But to grab one that you didn't expect to be electric. you're, know, you're opening the American Express bill and suddenly you're in a fight. Right. Like that's unmooring. And so we only do that once or twice before you're just like, never mind. You know, and so I think that's I think that's what's going on is weird. But if we can change that. To know that it's going to be electric. And to know that we're going to be clumsy, we can maybe even have that conversation. Like I've had this all my adult, my kids are all adults now recently within the last six months, I've had conversations multiple times with each of them of like
Victor Gaxiola:
Mm-hmm.
Kim Gaxiola:
Well.
Carl:
sorry. Did you just, that thing I just did? That's just a guy trying to figure out how to talk about money with his 27 year old daughter. Like nobody, nobody taught me how to do it. Sorry. And now we even started saying, Hey, this might be clumsy. Forgive me if it's clumsy. Cause I don't know how to do it. Cause I, nobody taught me how to do it. And I think if we start to enter those conversations that way, we can give each other much more permission for the feelings to show up.
Kim Gaxiola:
Well, and I have to tell you, as I've been giving your book out to certain people, you know, they look at the at the cover and a book about money as your money right there. I go, no, look inside. And then all of a sudden, as I see these little pictures and these little stories, it like it relaxes them.
Victor Gaxiola:
Yeah.
Carl:
I should have, it's interesting, I should have thought of a more relaxing title. Because it is, it's like, yeah, no, no, no, no, not that, not that. Whatever it is you're feeling right now, that's not what I'm pointing at, you know? Yeah.
Victor Gaxiola:
Yeah.
Victor Gaxiola:
Well, I like how the book is broken down into these 10 very separate chapters, each with a specific theme. And I think you kick things off really well. You know that you're reading something different than, let's say, a book on the economy or even investment advice specifically. I went through and read the entire book and then broke down my favorite sketch out of each of the sections. And you kick things off like sketch number six, the four sources of capital. And I know you've spoken about this in the past. But I think it sets the stage from the standpoint that when I think of currencies, it's not just the currencies that are in your wallet or that you use to pay for things, because you say there's four sources of capital, which is money, energy, time, and attention. So I think it starts setting the stage for this book is going to be a little bit different in the approach. I think about that all the time, is how am I spending my energy, time, and attention? And as I get older, I start valuing that more because we only have so much time and we only have so much attention and so I want to spend it in the things that are going to bring me joy. So can you share a little bit about how that concept resonates in your life?
Carl:
Yeah, and again, I think for your audience, particularly, let's just spend a few minutes on attention because it's really interesting to me. The titan, so the richest people in the world now are not railroad barons. They're titans of attention. I think you could make that argument
across the board, Amazon even, but certainly Facebook and any of the social media tools. mean, what they're really, the resource they're capitalizing is our attention. And I don't know what else that means, except that it points to something like, it must be valuable. And so when I started thinking about that, I was like, listen, I can go, I would say that you pay the currency that you use to pay for a really good relationship is attention. Right? Like you pay attention. We all know the experience of spending time with someone without attention. Right? Like, let me give you an example. I could take my 23 year old daughter who's in town. My 21 year old daughter who's in town from Cal Poly, I could take her skiing and I could spend a lot of money, unfortunately, you know, to go skiing. And we have no snow right now, which is crazy. I get it. So cost me a lot of money. It would take plenty of time. It would take a lot of energy. If and and it's quite possible that I could do that and not be there.
Victor Gaxiola:
Mm-hmm.
Carl:
mentally, right? Like I could actually be so far as checking my phone the whole time. But even if I wasn't doing that, I could be thinking about something else. So if I, if I invest my money, my energy and my time, and I don't invest my attention, that experience will be dramatically different for me and my daughter. So attention seems to me to be the lever that matters the most. And I love this idea of like pay attention. I would go so far as to say, the currency of a meaningful life will be largely driven by what you choose to invest your attention in. Not just relationships, not just experiences, but meaningful life is a function of how we invest our attention. that's one, you know, like we could spend lots of time talking about time. It seems easy. Money seems easy. Energy is a little fun to play with. But attention to me is the crux of the issue right now. I think it's the most valuable source of capital we have.
Victor Gaxiola:
Yeah. Well, and I think that that's why the book really resonated with our entire team. And one of the reasons why Kim bought many of the books to give away was because it really aligned from a narrative standpoint, aligns with the same narrative that we have in our own experience, you know, having been working in this business for over 20 years. And I know you as a certified financial planner in your own right, recognize that when you start working with clients, when you start working with couples or families, that the money is just a subset of a bigger conversation which has to do with behavior, which stands to what they value, what they love. And so a lot of what we are solving, in many cases, creating that alignment that says, how does your money equate to the things that you love and value? And how can we help you have more of that? So when it comes to defining a retirement, and like I said, a lot of the people that we work with are still working, Sometimes it's really abstract to think 20, 30 years down the road, they don't even know who they're gonna be in 20 and 30 years down the road. But if we can have the conversations to understand who they are, what they're looking to accomplish, and we do these checkpoints every year, so you know, less wrong tomorrow, which is one of the other sketches I really love, then we're doing our job, you know, in preparing these people to make course adjustments throughout the year, but ultimately having that north star, what their goals are, always top of mind.
Carl:
Yeah, I think it's what's really interesting about the process of making really good financial decisions is that it never stops. And we always sort of I kind of thought that there's two sides of the equation aligning your use of capital with what's important to you. And I always thought that what's important to you part would be the easy part.
Carolyn Rowland:
Hmm.
Carl:
Now it's like so naive, it's laughable. Because we don't, don't, humans don't know, like we don't know what we want. Luke Burgess's work is great book, “Wanting” is a really great entry point for this, but we don't really know what we, we're memetic machines. mean, Rene Girard's work at Stanford around memetic desire and Luke Burgess's sort of like more popular approach to it in that book really helped me understand that. We don't really know. And so the process of really good financial planning or financial decision making is the never ending process of alignment and realignment. And running a little experiment and going, you know what, I thought we'd really love a place in the mountains. And then you're like, have you been to the mountains? You're like, let's run a little experiment. What if you rented a place for two weeks this summer? And then let's just notice what we learned from that before you go buy a $4 million place in Tahoe.
Kim Gaxiola:
Mm-hmm.
Carl:
You know, so, or I've heard so many times like $5 million in a sailboat. You're like, well, I, okay, that's great. You read that on Instagram, but have you ever been on a sailboat? And you know, so, and and I'm being a little facetious here, but I have actually heard people say, but I think the real point here is let's just run some experiments. Let's try and get clear. Guess what? That North star can move. That's allowed. We're here for it. Right? And we're just going to be constantly aligning, realigning, aligning, realigning. And let's learn to enjoy that tension. This isn't a problem to be solved. Right? Like stop thinking of it as a problem to be solved. It's a process to start enjoying. Right? And I think that's, I think that's to me a fundamental part of what I would refer to as real financial planning.
Victor Gaxiola:
Well, I'd love to bring Carolyn in the conversation just because there is a general, not slight a generational difference, but Kim and I have older children, much like yourself, Carl, and she has two little ones at home. And so obviously her perspective, I think, and her approach is different just from the standpoint of where she is in life. So Carolyn, I was really curious. I mean, you've read the book. What are some of the areas that really resonate with you? And then of course, how does that frame the way you think about your own career and someday retirement?
Carolyn Rowland:
Yeah. I mean, the biggest thing that's always attracting me, Carl, with your work is you have such a gift for making something that is so complex, just so approachable and digestible. And like we were talking about how many conversations are so taboo, like you're working to unravel that, right? And make those conversations more comfortable, which is exactly what we're trying to do in our careers. And so like, Victor was saying, you know, I'm in a slightly younger generation. And so I look ahead for my own future and, you know, retiring at that traditional age of, you know, quote unquote, 65. That's hard. That's hard to imagine. And so I really like your approach of, let's just take it bit by bit. Because I don't want my entire future planned out over the next 30 years. That's not a way to live. So it's defining what my values are, what's important to me. It's spending time with my girls. Quality time as a family are the decisions that I'm making from a financial standpoint, aligning with that. And that's what I try to articulate with clients too, because, you know, I'm not going to sit here or when I'm going through that process with them and say, what do you envision in the next 30 years? Like, what do you want your retirement to look like? That's not a question somebody can just easily answer. So I guess where I wanna bring this to is, you know because money can be so complex and overwhelming, is there a specific sketch that you wanna point out or a thought that can bring a sense of clarity to somebody in this book specifically?
Carl:
Yeah, I mean, I think based on what you said, like the first thing that came to mind is what the one that Victor already mentioned, which is less wrong tomorrow. Because I think it's so interesting, right? The idea, I'm really tempted to, like, I'm actually working on it, which shocked me. I'm actually working on another book. like, I woke up in the morning, like the last five days and I've written, I'm like, what is this? And it's because it's been 11 years since the last one. So I thought like, this will be done for a long time. And what I'm really playing around with is this idea of, I don't think I'll call it this, but reality-based financial planning. And because, this idea that we know what 30 years is gonna look like. And I did find early in my career, I noticed that I remember specifically having two or three different women clients. And I noticed, I actually remember noticing this, that kind of called me out on that. We're like, that's so cute, young lad, that you think you know what the next 30 years of my life are gonna look like. But it's interesting, because that does not, again, back to the tension. And I'm a big fan of tension because tension holds bridges up. I'm not trying to get rid of it. I'm trying to lean into the right tensions. And one of the tensions is this sort of plan out into the future is important. As Victor referred to it as the North Star, a North Star gives us a sense of direction. I think those big long goals give us three things, a sense of direction.
Carl:
There's some sort of interesting gravitational pull. We've all noticed that. Like if you write down some goals and then forget them, 10 years later you find them, you're like, whoa, I did every one of those. Like there's some sort of interesting, I almost described it as magic, but it's not. Gravitational pull. And then I think the third thing, long-term goals give us is a sense of hope, which I really like. So, and they're important because when we get to reality-based financial planning, it's largely like show up today, embrace the uncertainty of it all and takes the next smallest step, next smallest step of alignment. Well, it helps when you're taking the next smallest step to know whether you should take a step this way, this way, this way, or this way. that, so at least we get a directional sense with those goals, but that's about all that. Like I kind of joke that we should have financial planning hats and we should make them as ugly as possible. So we don't want to wear them very often. Right. And, and like 30 year projection hats, let's put them on every once in a while and check in, we headed the right, now let's take them off and put them back in the drawer. And I think that tension, because it's the less wrong tomorrow ideas, and I think this would resonate with lots of your audience that either entrepreneurial or in fast moving environments in business, you start to realize the goal cannot be to be precisely correct today. It is just impossible. The goal is really to be a little less wrong tomorrow. So I think that's one the sketches I love.
Victor Gaxiola:
And I think that that's one of those areas where there is that alignment because I think early when I started in this business, I did think it was going to be a lot about the money, you know, and making the right investment choices and, you know, sharp ratios and all the jargon, you know, that I thought that that was important in many cases to kind of showcase our expertise in this area. And the more I was into it, then I started learning. Well, no, it's more about understanding human behavior and really extracting and having the, like you said, I like the idea that the concept of tension, you're right. We force our, times our clients to have those conversations that are difficult to have. But with time and experience, we become experts in asking the right kinds of questions, extracting the kind of information and data that helps those breakthroughs, know, to be able to move forward. And I think I was working or I was at a conference at one point anda more seasoned advisor someone that had been in the business said something that was really profound and it kind of stayed with me and what he shared was Something along the lines that and I'm paraphrasing here as an advisor our job isn't really necessarily to make our clients rich It's more important for us to make sure that they never are poor and it's so like playing instead of on the greed but playing on the fear a little bit and striking that balance and so I know Kim is a big fan of your sketch number 54, which is the big mistake. And that really resonated with me because I started thinking, that's a lot of the role that we do. Because a lot of the people that we work with, tech professionals and business owners and smart entrepreneurs, they're smart people to begin with. And if they had the time and the inclination and the knowledge, they would manage these portfolios themselves. But they don't. So they choose to outsource that attention to us. And we focus on this. And I just think that part of what we do and part of our role is to protect these people from making that big mistake and ensuring that they don't go down the wrong path and that we're able to kind of always course correct and keep them going towards that potentially moving north star. So I think it's really resonated with me.
Carl:
Yeah, good. Yeah, yeah, I think sometimes you see this with really smart, successful people that they start to... It's very easy for all of us to optimize for the wrong thing. And it became pretty clear to me that human capital, your ability to earn and be really smart about your career choices, that was the giant lever. And that over here, if we can just avoid costly mistakes for a couple of decades, like two or three or maybe four decades, that's mainly the job. If we want to really make a massive difference in people's lives, they can make that much easier over on the career side and especially much of many of your clients. The decision about where to work and how the compensation is structured. Over here, if we can just make sure the compounding doesn't stop, like we don't interrupt the compounding, it's largely really simple things, not to be confused with easy. In fact, the reason these simple things are so hard is precisely because they're simple. It feels like there must be more, no, no, it's actually quite simple. We just need to do the simple thing for a very long time. I like this idea of, if I can just avoid costly mistakes, right, let's help you do your thing. Focus your time, your attention, your energy. We'll take this plate from you so you don't have to even think about it. And then let's just make sure we don't, let's just make sure we help you avoid costly mistakes, which largely come from blind spots, right? And the most important thing about blind spots is the idea that you can't see your own.
Kim Gaxiola:
Mm-hmm.
Carl:
Right? You can't see your own.
Kim Gaxiola:
Yeah, I have to step in on that blind spots because it's funny. I get into this conversation a lot with clients, very smart people again here. And they say, well, what could go wrong with this plan? And I think at least are asking this question. But typically, you can see somebody here in Silicon Valley, 35 years old. And if you were to project out 30 years, wow, they have millions and millions of dollars. But then, you know, my life experience shows me that I've been doing this for so long. They never do end up with that many millions because things change, compensation changes and all that. So we look at this as like almost like I feel like what I take away from this conversation is this whole idea of let's stop the mistakes from happening today. Maybe that's your five year plan. And if we avoid mistakes all the way through then you're going to be in a better place.
Carl:
Mm-hmm. Yeah, think you're in a unique situation where you sort of have front row seats to things happening that no one expected to have happen. Right? And I try not to cite Rumsfeld as often as possible, but he did, to his credit, point to this idea of unknown unknowns. And it's the things we never saw. And I would make the argument, and I think Morgan Housel has done a pretty good job of making this argument too, that over the course of a decade, there might be three news stories that matter. Three. And almost no one sees them coming. And so I think what that points to is this sense of humility. Like you mentioned, projecting the equity comp and if this thing does this, and if this thing repeats my last one and you're like, okay, great, let's do that. And then let's step back and say, and we're going to be act, this is to me really important. We're going to make projections. And then instead of defending what would now be, you know, even a day later, let alone a year or two later, these would be outdated maps instead of defending the outdated map. Your behalf, we're going to be this question, what could go wrong? We're going to be actively, the literature says, actively looking for disconfirming evidence. We know we're going to be wrong in this plan. Now, instead of trying to defend it and confirmation bias our way through it and promise certainty, we're going to be actively looking for the ways in which we're wrong to show up. And so what that points to too is this act of instead of thinking about event-specific resilience, because it's really hard to predict the event that you need to be resilient against. We're gonna be generally resilient. So we're making clients' financial lives harder to kill. Because a large piece of this is just can you survive for 20 or 30 years to let the compounding work? And so I love that idea of just like, let's be a little more humble about this. And by the way, we're gonna be rock stars. This 30 year projection is the best one on the planet. We're super good at it.
Carolyn Rowland:
Hehehehehe
Carl:
Like it doesn't excuse us from needing to be technical rock stars. And then we need to say, and we know it's not right. All models are wrong. Let's make sure ours are useful, right?
Victor Gaxiola:
That's awesome. Well, you touched on a theme that's obviously very important to us. It's in the name, Resilient Wealth Planning. And we do focus a lot of our attention on resiliency and gratitude. so, you know, in looking forward, I'm just kind of curious about what's next for you, Carl, as far as the work that you're doing. And I also be curious about now that the book's been out, how is it being received? What are some of the main feedback that you're getting from the from audiences across the country?
Carl:
Yeah, don't know what is... Again, let me point to that tension. There's a real interesting tension between the need for a plan and living my life and letting things emerge. And I love both of those, right? They're not... Actually, each one of them is in its fullest expression only because of the presence of the other. You're like, can live in the now because I've spent some time thinking about the future.
Kim Gaxiola:
Thanks
Carl:
I can every once in while think about the future because I'm really living in the now. And so right now I'm just sort of enjoying letting things emerge, conversations like this. I've found myself uniquely drawn to this book about uncertainty and risk and reality-based planning. And so I've written the first five chapters in the last five days, which has been really fun. But in terms of, and in terms of reception, the book's done already exactly what I hoped. This is what I hoped.
Right. This is the 87th podcast that we've done. And most of those were in four weeks, five weeks. The type of engagement that I've had with people from all different, like I've had some fascinating conversations with people in the, you know, in venture, private equity, the creative, lots of people who take risks for a living. Right. And so trying to make sense, take something as complicated as that and actually talk about it in a real way has been my favorite part of this book process. I don't know what else I would be hoping for from the book. I mean, sure, it would be great if it sold 10 million copies. At 0.00001%, what I was really, the only goal I had control over was can we have some really good conversations about
Victor Gaxiola:
Well, Carl, on behalf of the entire Resilient Wealth Planning team, we want to thank you for joining us on the podcast today. And of course, we will share with everybody in the show notes how you can get access to the book, Your Money, Reimagining Wealth in 101 Simple Sketches by Carl Richards. Thank you again for joining us and sharing your insights today.
Carl:
Victor, Carolyn, Kim, thank you for having me. It was really, really, and on behalf of the people who listen to this, I think it's fair to say we know you don't have to do this. So thanks for doing it because it makes more of these conversations, things that we can talk about on our drive home super valuable. So thank you.
Kim Gaxiola:
Thank you.
Carolyn Rowland:
Thank you all.
Victor Gaxiola:
Okay, welcome back. So that was the podcast recording with Carl. I hope you enjoyed that insightful conversation exploring his new book, Your Money, Reimagining Wealth in 101 Simple Sketches. This is great. I read this cover to cover, 10 different chapters, took my favorite insights, favorite sketches, wrote notes all over the book, and we've been getting this in the hands of as many people as we can in different offices. It is a book that you want to share and possibly go through and read with the family. You don't have to read it all at once and you don't, even though there is a starting point and an end and such, you can pick it up and just take a look at the sketches and then you start reflecting in your own life how that might apply to your world and how you think about money. So I encourage you to get a copy of the book. Now we will provide in the show links, links where you can get your own copy of the book. If you're interested in seeing it as well as some of the other books that Carl's written and I'm excited about him actually developing and working on a new book. So that'll be exciting once that comes out. However, I did want to provide one very special opportunity. So we've got a number of these books. We've got 10 copies that we're looking to give away and we will give them away to those of you that will take the time and the effort to write a review on the podcast. What did you think of this episode? If you've been listening to the podcast for a while,
Victor Gaxiola:
What are you liking about the podcast? So please, if you provide a review, just let us know. You can send me an email at victor at resilient planning.com and we will get you a copy of Carl's book. So first 10 people looking forward to get this to you so that you can read it, share it with your family and friends and get the most out of your money. So again, I am Victor Gaxiola, host of the resilient investors podcast. I'd like to thank Carl once again for joining us and of course, Carolyn and Kim for assisting me and asking some great questions and just having a lively conversation. So we want to wish everybody a very, very happy rest of the year. And here we go. 2026 is going to be a great year for all of us. So looking forward to that as well. Thanks again for listening.
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