In this episode of The Canadian Retirement Roadmap Podcast, Patrick sits down with Carl Richards — CFP®, bestselling author, and creator of the long-running Sketch Guy column in The New York Times.

Carl’s new book, Your Money: Reimagining Wealth in Simple Sketches, explores our relationship with money in ways that are thought-provoking, emotional, and refreshingly human.

Together, Patrick and Carl dive into several sketches from the new book, discussing:

✅ Why money = feelings

✅ The true meaning of real financial planning

✅ Why boring investments often outperform

✅ Why sometimes, you just need to spend the money

✅ How to live an “alpine style life” with less stuff and more meaning

✅ And how to embrace the reality that things change

💡 Giveaway: Want a chance to win a copy of Carl’s new book? Enter here → www.bayswaterwealth.ca/podcast

📖 Get Carl’s book on Amazon: https://a.co/d/hV9EoyP

Chapters:

00:00 Introduction and Guest Welcome

02:28 Carl Richards' Background and New Book

06:08 The Emotional Side of Money

08:57 Real Financial Planning

13:34 Investment Discipline and Practical Advice

17:56 The Purpose of Money

18:37 Spending Money for Happiness

21:16 Financial Planning and Spending

22:36 Portfolio Management Insights

25:47 The Alpine Style Life

28:56 Embracing Change

33:03 Final Thoughts and Reflections

👍 Don’t miss future episodes of The Canadian Retirement Roadmap Podcast! Subscribe here on YouTube and explore past episodes + free resources → www.bayswaterwealth.ca/podcast

🌐 Website: www.bayswaterwealth.ca

💼 LinkedIn: https://www.linkedin.com/in/patrick-briscoe/

📸 Instagram: https://www.instagram.com/bayswaterwealth/

📞 Want to connect? Book a free 15-minute introductory call (phone or video) → https://bayswaterbookings.ca/prospective-step-1/

📲 Connect with Carl:

LinkedIn: https://www.linkedin.com/in/thinkingcarl/

X: https://x.com/behaviorgap

Instagram: https://instagram.com/behaviorgap

YouTube:  @behaviorgap 

⚠️ Disclaimer: The information shared in this video is for educational purposes only and is not tailored financial advice. Every individual’s situation is unique — please consult with a qualified financial planner before making decisions about your personal finances.