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Retirement is a flawed concept with Carl Richards


In this episode, I get to have conversation with bestselling author, New York Times columnist and founder of The Behaviour Gap Carl Richards. Carl is internationally renowned for his ability to explain complex financial concepts in an easy-to-understand manner through his sketches and books. We discuss the importance of real financial planning, and the challenges people face in retirement. Carl shares his insights and experiences on how to overcome the behavioural, emotional, and financial challenges of life after work. This episode provides valuable advice and inspiration for anyone navigating retirement planning.

What You’ll Learn

  • The idea of retirement as a man-made invention that may not be suitable for everyone, especially those engaged in knowledge work.

  • Retirement may not align with our values and that we may miss out on opportunities to contribute to society and rebuild relationships with loved ones if we retire too early.

  • Retirement is not just a financial problem to be solved with numbers, but a human problem that requires exploration of fears, anxieties, dreams, and aspirations.

  • Many people are unprepared for the emotional and behavioural challenges that come with retirement.

  • The importance of aligning one's values and interests with their retirement plans and finding activities or hobbies that bring joy and fulfilment.

Useful Resources

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About My Guest

Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, which appeared weekly for a decade in The New York Times.

Carl has also been featured on Marketplace Money,, and In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.

Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behaviour Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin).

His sketches have appeared in a solo show at the Kimball Art Centre in Park City, Utah, as well as other showings at Parsons School of Design in New York City, The Schulz Museum in Santa Rosa, California, and an exhibit at the Mansion House in London.

His commissioned work is on display in businesses and educational institutions across the globe.

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