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 BehaviorGap.com 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!