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

Hope Is Not a Budgeting Strategy

Hope Is Not a Budgeting Strategy

Maybe you’ve already learned the truth the hard way, but the universe is not going to pay for that BMW you want. In case you missed it, I’m referring to one of the teachings from the best-selling book that goes by the ingenious name “The Secret.” The premise relies on the law of attraction. The…