{"product_id":"the-behavior-gap-isbn-9781591844648","title":"The Behavior Gap","description":"\u003cb\u003e \"It's not that we're dumb. We're wired to avoid pain and pursue  pleasure and security. It feels right to sell when everyone around us is  scared and buy when everyone feels great. It may feel right-but it's not  rational.\" \u003cbr\u003e-From The Behavior Gap \u003c\/b\u003e\u003cp\u003e \u003c\/p\u003e\u003cp\u003e\u003cbr\u003eWhy do we lose money? It's easy to blame the economy or the financial  markets-but the real trouble lies in the decisions we make.\u003c\/p\u003e\u003cp\u003eAs a financial planner, Carl Richards grew frustrated watching people  he cared about make the same mistakes over and over. They were letting  emotion get in the way of 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.\u003c\/p\u003e\u003cp\u003eRichards's way with words and images has attracted a loyal following  to his blog posts for \u003ci\u003eThe New York Times\u003c\/i\u003e, appearances on National  Public Radio, and his columns and lectures. His book will teach you how  to rethink all kinds of situations where your perfectly natural instincts  (for safety or success) can cost you money and peace of mind.\u003c\/p\u003e\u003cp\u003eHe'll help you to:\u003c\/p\u003e\u003cbr\u003e\u003cbr\u003e   • Avoid the tendency to buy high and sell low; \u003cbr\u003e   • Avoid the pitfalls of generic financial advice; \u003cbr\u003e   • Invest all of your assets-time and energy as well as savings-more  wisely; \u003cbr\u003e   • Quit spending money and time on things that don't matter; \u003cbr\u003e   • Identify your real financial goals; \u003cbr\u003e   • Start meaningful conversations about money; \u003cbr\u003e   • Simplify your financial life; \u003cbr\u003e   • Stop losing money!\u003cp\u003e \u003c\/p\u003e\u003cp\u003eIt's never too late to make a fresh financial start. As Richards  writes: \"We've all made mistakes, but now it's time to give yourself  permission to review those mistakes, identify your personal behavior  gaps, and make a plan to avoid them in the future. The goal isn't to make  the 'perfect' decision about money every time, but to do the best we can  and move forward. Most of the time, that's enough.\"\u003c\/p\u003e\"Carl has a wicked way with a Sharpie.\" — \u003cb\u003eBarry Ritholtz\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\"Carl Richards is the anti-Jim Cramer. He doesn't pick stocks, and he  doesn't shout. In wise, calm style, The Behavior Gap teaches us how to  rein in the emotional saboteur within us-the voice that leads us to  double-down when the market is peaking and to make a panicky exit when  stocks are a bargain. Richards shows us that, when it comes to our  financial security, slow and steady wins the race.\" — \u003cb\u003eDan Heath, coauthor of \u003ci\u003eMade to Stick\u003c\/i\u003e and \u003ci\u003eSwitch\u003c\/i\u003e\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\"Ah, clarity! Carl Richards can see the mistakes that humans-being human- make again and again with money. Then with humor and an I've-been-there  nudge he sets them on the right course.\" — \u003cb\u003eJean Chatzky, author of \u003ci\u003ePay It Down\u003c\/i\u003e\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\"\u003ci\u003eThe Behavior Gap\u003c\/i\u003e throws light on an important question: How can  we think more clearly about money and its role in a happy life? Carl  Richards shows how to shape our behavior to invest, save, and spend to  foster greater happiness.\" — \u003cb\u003eGretchen Rubin, author of \u003ci\u003eThe Happiness Project\u003c\/i\u003e\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\"Who says common sense is common? Smart, tactical, practical advice for  anyone who has done dumb things with their money.\" — \u003cb\u003eSeth Godin, author of \u003ci\u003eWe Are All Weird\u003c\/i\u003e\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\"Carl Richards's deceptively simple sketches in \u003ci\u003eThe Behavior Gap\u003c\/i\u003e  will make you laugh, change your relationship with money, and leave you  the wealthier for it. This one is bound to be a classic!\" — \u003cb\u003eWilliam Bernstein, author of \u003ci\u003eA Splendid Exchange\u003c\/i\u003e and \u003ci\u003eThe  Investor's\u003c\/i\u003e\u003c\/b\u003e\u003ci\u003e\u003cbr\u003e\u003cbr\u003e\"Carl has a knack for showing-gently and with charts!-that when it comes  to money, most of us are idiots. Carl prods us to master money, rather  than letting it master us.\" — \u003cb\u003eLaura Vanderkam, author of \u003ci\u003eAll the Money in the World\u003c\/i\u003e\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\"A brilliant guide to the ways we often trick ourselves into staying  poor. Read this before you make your next financial decision.\" — \u003cb\u003eZac Bissonnette, author of \u003ci\u003eDebt-Free U\u003c\/i\u003e\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\"If a picture is worth a thousand words, Carl's sketches could change a  life! He captures the essence of life and money.\" — \u003cb\u003eMarty Kurtz, president of the Financial Planning Association\u003c\/b\u003e\u003c\/i\u003e\u003cb\u003eCarl Richards\u003c\/b\u003e is a certified financial planner and founder of  Prasada Capital Management, a portfolio design firm. He contributes to  the Bucks blog at \u003ci\u003eThe New York Times\u003c\/i\u003e and is a columnist for  \u003ci\u003eMorningstar Advisor\u003c\/i\u003e. Richards appears regularly on National Public  Radio's \u003ci\u003eMarketplace Money\u003c\/i\u003e, and is a frequent keynote speaker at  financial planning conferences and visual learning events. You can find  more of his work at behaviorgap.com. He lives in Park City, Utah, with  his family. \u003cbr\u003e\u003cbr\u003eVisit www.behaviorgap.com","brand":"Portfolio","offers":[{"title":"Default Title","offer_id":46302658232549,"sku":"NP9781591844648","price":26.0,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1842\/7735\/files\/9781591844648.jpg?v=1757964712","url":"https:\/\/k12savings.com\/products\/the-behavior-gap-isbn-9781591844648","provider":"K12savings","version":"1.0","type":"link"}