Carl Richards
The Disruptor
Contrarian and drawn to the edge; challenges the settled answer.
Carl Richards reads as The Disruptor because his work does not refine financial advice culture, it interrogates its foundations. The author of 'The Behavior Gap' targets the moralism, fear-mongering, and contempt for present joy baked into mainstream guidance. Where others prescribe behaviour, Richards asks who gave advisors the authority to define a life well lived at all. That is no marginal adjustment. It is a direct assault on an industry's operating assumptions.
“This idea that we might know what brings other people happiness and joy, and that it's our job to tell them it's ridiculous to buy their morning latte — I get equally as upset about it as you do.”
“I think there's a piece of this related to this endless praise and nobility around delayed gratification. What's wrong with being happy now? How can I view something as an investment instead of an expense?”
“Our whole industry is largely built on fear of the future. We've built into people this idea that if you're not doing everything you can, you are going to be destitute, alone, and living under a bridge.”
Masters in Business: “At the Money: Smart Spending vs. Not Spending”
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