Articles by Carl Richards

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Carl Richards is a Certified Financial Planner and a columnist for the New York Times, Morningstar magazine and Yahoo Finance. He is author of 2 books, The Behavior Gap & The One-Page Financial Plan. Carl lives with his family in Park City, Utah. You can find his work and sign up for his newsletter (which has an international audience) at

Extending Grace

Extending Grace

Will you try something with me? Grab a blank piece of paper, draw a line right down the middle, and think of the last time you saw someone fail. It might take you a minute to remember. Now, on the left side of your paper, write down a few words describing how that failure made…