Quotes from Carl Richards

if you don't ever find yourself recalibrating your decisions, you're likely ignoring some issues that might become problems down the line.

People who understand interest earn it. People who don't pay it.

Brain scans, [McGonigal] said, have shown that there are regions of the brain that activate when we think about other people, and other regions that activate when we think about ourselves. In cases where people don't feel much connection to their future selves, the areas of the brain that light up when they are asked to think about themselves in the future are—guess what?—the same ones as when they think about other people."1

If we want to take control of our finances, we also have to take responsibility for the many unnecessary purchases we've made--and understand that nothing will change unless we change our behavior.

Budgeting isn't just about numbers. It's about awareness.

Don't be committed to the guess, be committed to the process of guessing.

when the paint on the car starts to chip and the gadget gets tossed into the closet with all the others, you can't help but wonder if you've been pouring all your hard-earned money into the wrong things.

the best financial plan has nothing to do with what the markets are doing, nothing to do with what your real estate agent is telling you, nothing to do with the hot stock your brother-in-law told you about. It has everything to do with what's most important to you.