Behavior Gap Radio
Episodes
1420 | Price the Regret
24 Mar 2026
Contributed by Lukas
In this episode, Carl shares a simple but powerful reframing of a common question: “Can I afford it?” Whether it’s a trip, a sabbatical, or a ch...
1418 | Designing a Life You Don't Need to Escape
23 Mar 2026
Contributed by Lukas
In this episode, Carl shares a brief reflection on the traditional idea of retirement. Outside of professions where physical limits make it necessary,...
14XX | But I don't have a coat to give
22 Mar 2026
Contributed by Lukas
1417 | Risk Hangover Part 2
20 Mar 2026
Contributed by Lukas
In this episode, Carl continues the conversation about “risk hangover,” the emotional aftermath that can follow a painful financial loss. He explo...
1416 | Risk Hangover Part 1
19 Mar 2026
Contributed by Lukas
In this episode, Carl explores the idea of a “risk hangover,” the emotional aftermath that can follow when a big risk doesn’t work out. It often...
1415 | Energy as an Indicator
18 Mar 2026
Contributed by Lukas
In this episode, Carl reflects on a simple but powerful signal: energy. After a long day of work, he noticed that some activities left him drained whi...
1414 | Are You Waiting for Information or Permission?
17 Mar 2026
Contributed by Lukas
In this episode, Carl asks a deceptively simple question: Are you waiting for information, or are you waiting for permission? Reflecting on conversati...
1413 | Factoring in Being Human
16 Mar 2026
Contributed by Lukas
In this episode, Carl explores the tension between what’s rational on paper and what’s workable in real life. Spreadsheets say to invest lump sums...
1412 | Uncertainty Drag: Let's Be Honest
13 Mar 2026
Contributed by Lukas
In this episode, Carl introduces the idea of “uncertainty drag”—the hidden friction that uncertainty adds to our decisions and momentum. Like ca...
1411 | Wait And See Mode
12 Mar 2026
Contributed by Lukas
1410 | AI Is Not a Threat. It’s a Reminder.
11 Mar 2026
Contributed by Lukas
1408 | Embracing the Beauty of Wrongness
10 Mar 2026
Contributed by Lukas
In this episode of the "How to Plan" series, Carl explores what may be the most important principle of all: preparing to be wrong. Real planning, he a...
1407 | Step Four: Draw the Line
09 Mar 2026
Contributed by Lukas
In this episode, Carl returns to his “How to Plan” series and introduces the next step: drawing the line. After clarifying purpose, defining goals...
14xx | Getting and Spending
07 Mar 2026
Contributed by Lukas
1406 | What's the Story?
06 Mar 2026
Contributed by Lukas
In this episode, Carl reflects on the stories we instantly tell about money—especially when it comes to visible signs of consumption, like homes and...
1405 | Who Do You Want to Disappoint?
05 Mar 2026
Contributed by Lukas
1404 | Strategy Is Risk To The Ego
04 Mar 2026
Contributed by Lukas
1403 | Strategy Informs Tactics
03 Mar 2026
Contributed by Lukas
1402 | Tactics As A Place to Hide
02 Mar 2026
Contributed by Lukas
1401 | A Rant About Doing vs Feeling
27 Feb 2026
Contributed by Lukas
1400 | Step 3- Current Reality
26 Feb 2026
Contributed by Lukas
1399 | Maybe It’s Not Risk Tolerance
25 Feb 2026
Contributed by Lukas
1398 | Under Developed Consequence Comprehension
24 Feb 2026
Contributed by Lukas
1397 | Probability Is the Weak Link
23 Feb 2026
Contributed by Lukas
1396 | The Tool is NOT The Thing
20 Feb 2026
Contributed by Lukas
1395 | Shift the Frame, Not the Content
19 Feb 2026
Contributed by Lukas
1394 | Quality of Attention vs. Cleverness of Question
18 Feb 2026
Contributed by Lukas
1393 | Concrete Memory, Not Opinions
17 Feb 2026
Contributed by Lukas
1392 | The Most Overrated Form of Capital
16 Feb 2026
Contributed by Lukas
Bonus Sunday Episode - What Jobs Have You Given Money
15 Feb 2026
Contributed by Lukas
1391 | Step Two: Goals
13 Feb 2026
Contributed by Lukas
In this episode, Carl walks through the second step of purpose-based planning: turning purpose into goals. Rather than asking clients to name goals ou...
1390 | Step One - Define The Purpose
12 Feb 2026
Contributed by Lukas
1389 | Managing the Tension
11 Feb 2026
Contributed by Lukas
1388 | Planning as an Ongoing Practice
10 Feb 2026
Contributed by Lukas
In this episode, Carl reframes planning as a living practice rather than a one-time event, arguing that the real work of planning is the ongoing proce...
1387 | Resilience Is Not Strength
09 Feb 2026
Contributed by Lukas
In this episode, Carl challenges the idea that resilience is about toughness or enduring pain, arguing instead that real resilience comes from thought...
Where Your Treasure Goes, Your Life Follows
08 Feb 2026
Contributed by Lukas
1386 | Planning With Energy, Time, and Attention
06 Feb 2026
Contributed by Lukas
In this episode, Carl expands the idea of planning beyond money to include the four forms of capital we’re always spending: money, energy, time, and...
1385 | Optionality as Safety
05 Feb 2026
Contributed by Lukas
1384 |The Power of the Next Local Optimum
04 Feb 2026
Contributed by Lukas
1383 | Why Energy & Attention?
03 Feb 2026
Contributed by Lukas
In this episode, Carl pauses his planning series to explore the idea behind one of his favorite sketches from his new book: The Four Sources of Capita...
1382 | Where Are We Starting From?
02 Feb 2026
Contributed by Lukas
In this episode, Carl turns the planning conversation toward current reality and asks a deceptively simple question: Where are you, really? After star...
1381 | Holding Space & Crunchy Bits
30 Jan 2026
Contributed by Lukas
In this episode, Carl introduces the idea of “crunchy bits” and emotional resonance—those subtle moments in a conversation when something import...
1380 | Go-Deeper Transitions
29 Jan 2026
Contributed by Lukas
1379 | The Skill That Actually Matters- Listening
28 Jan 2026
Contributed by Lukas
1378 | The Planner's Role- Facilitator, Not Calculator
27 Jan 2026
Contributed by Lukas
1377 | Real Financial Planning Happens IN Conversation
26 Jan 2026
Contributed by Lukas
1376 | The Presenting Problem vs. Desired Future State
23 Jan 2026
Contributed by Lukas
1375 | Measuring What Matters, Not What's Easy
22 Jan 2026
Contributed by Lukas
1374 | What is Real Financial Planning
21 Jan 2026
Contributed by Lukas
1373 | Goals Grow Out of Purpose
20 Jan 2026
Contributed by Lukas
1372 | Writing the Statement of Purpose
19 Jan 2026
Contributed by Lukas
1371 | Purpose Based Planning
16 Jan 2026
Contributed by Lukas
1370 | Problem To Solve Planning
15 Jan 2026
Contributed by Lukas
1369 | Purpose, Goals and Plans
14 Jan 2026
Contributed by Lukas
1368 | Why Have Goals in And Uncertain World?
13 Jan 2026
Contributed by Lukas
1367 | A Plan Is a Hypothesis
08 Jan 2026
Contributed by Lukas
1366 | What A Plan Actually Is (Intro)
07 Jan 2026
Contributed by Lukas
1365 | The Most Intimate Form of Risk
06 Jan 2026
Contributed by Lukas
Essay 4 | Risk Is What’s Left Over
05 Jan 2026
Contributed by Lukas
Essay 03 | How Experience Can Get You Killed
01 Jan 2026
Contributed by Lukas
Essay 02 | The Landscape
31 Dec 2025
Contributed by Lukas
Essay 01 | The World Is Not What We Were Promised
30 Dec 2025
Contributed by Lukas
1360 | ep.7 Kind vs. Wicked Learning Environments
18 Dec 2025
Contributed by Lukas
1359 | Time Horizons- How the Game Changes When the Clock Changes
17 Dec 2025
Contributed by Lukas
1358 | Luck — The Variable We Pretend Is Skill
16 Dec 2025
Contributed by Lukas
1357 | The Story Is the Only Map That Works
15 Dec 2025
Contributed by Lukas
1356 | Simple, Complicated, and Complex
12 Dec 2025
Contributed by Lukas
1355 | Danger, Exposure, Vulnerability- Three Different Beasts
11 Dec 2025
Contributed by Lukas
1354 | What Risk Really Is (And Why We Keep Getting It Wrong)
10 Dec 2025
Contributed by Lukas
1353 | The Mag 7 and You
09 Dec 2025
Contributed by Lukas
1352 | An Astonishing Behavior Gap
08 Dec 2025
Contributed by Lukas
1351 | The Investment Process
05 Dec 2025
Contributed by Lukas
1350 | Measure What Matters
10 Nov 2025
Contributed by Lukas
In this short episode of Behavior Gap Radio, Carl reflects on how easy it is to drift into tracking the wrong metrics—the ones the world cares about...
1349 | Action Leads to Information
07 Nov 2025
Contributed by Lukas
In this Field Note episode of Behavior Gap Radio, Carl shares a real-time lesson from the chaos of airline travel during his book tour. When you’re ...
1348 | Woodchips
06 Nov 2025
Contributed by Lukas
In this episode of Behavior Gap Radio, Carl explores what he calls the discipline of more—or what he sometimes calls the bigger yes. Instead of figh...
1347 | Questions You Never Asked
05 Nov 2025
Contributed by Lukas
In this episode of Behavior Gap Radio, Carl shares a favorite quote from explorer Rick Ridgeway: “The best journeys answer questions we never though...
1346 | Ecological Naïveté and Money
04 Nov 2025
Contributed by Lukas
In this episode of Behavior Gap Radio, Carl introduces a phrase he’s been searching for: ecological naïveté—the idea that our instincts were per...
1345 | Extreme Assumption Questioning
31 Oct 2025
Contributed by Lukas
In this Field Note episode of Behavior Gap Radio, Carl shares a simple but powerful practice: extreme assumption questioning. From $5 million sailboat...
1344 | The Scariest Terrain
30 Oct 2025
Contributed by Lukas
In this episode of Behavior Gap Radio, Carl explores what he calls “big stupid human tricks”—the kinds of goals that force us to grow into new p...
1343 | Retrospective Coherence AKA Success Porn
29 Oct 2025
Contributed by Lukas
In this episode of Behavior Gap Radio, Carl digs into a simple but unsettling truth: After the fact, randomness always looks like strategy. He unpacks...
1342 | The Book!
28 Oct 2025
Contributed by Lukas
Carl’s back on Behavior Gap Radio with a quick, honest update. He shares what the past week of book launch conversations taught him about defining s...
1341 | No. 92 "Stop Calling Jason"
13 Oct 2025
Contributed by Lukas
I’ve been wrestling with a question for years: Why do I always call Jason? Jason is a friend of mine who always affirms my ideas.This essay and sket...
1340 | No. 82 "Your Future Self"
07 Oct 2025
Contributed by Lukas
I’ve always been fascinated by this idea: We feel about as much emotional connection to our future selves as we do to a stranger. That explains a lo...
1339 | No. 76 "Alpine Style Life"
03 Oct 2025
Contributed by Lukas
There’s this old mountaineering strategy called siege style.You drag everything up the mountain: extra oxygen, fixed ropes, backup boots, food for w...
1338 | No. 65 "Scary Markets Hugs"
17 Sep 2025
Contributed by Lukas
When markets get scary, most people yell: DO SOMETHING!And most advisors respond with stats, charts, and long-term return arguments.But that’s not w...
1337 | No. 54 "The Big Mistake"
16 Sep 2025
Contributed by Lukas
Every investor has felt it.The panic.The urge to act.The voice in your head saying: “Just get me out.”This is The Big Mistake.And if you’re not ...
1336 | No. 45 "Something You Don't Like"
08 Sep 2025
Contributed by Lukas
This might be the simplest sketch I’ve ever made.It’s just four shapes and one word: Diversification.But if you’ve ever built a REAL portfolio, ...
1335 | The Discipline of Fullness
04 Sep 2025
Contributed by Lukas
In this episode of Behavior Gap Radio, Carl introduces a new framework he’s been exploring for decades: the discipline of fullness. Inspired by natu...
1334 | The Servant of the Tool
03 Sep 2025
Contributed by Lukas
After an unplanned two-month break, Carl returns to Behavior Gap Radio with reflections on routines, streaks, and what truly matters. In this episode,...
1333 | No. 34 "Cash Flow Love"
01 Sep 2025
Contributed by Lukas
Most budgeting advice feels like punishment.That’s how it felt to me, too... until I realized something simple but powerful:💡 Money’s natural s...
1332 | No. 30 "The Spending Practice"
29 Aug 2025
Contributed by Lukas
We’ve been told to spend less. Cut back. Control ourselves.But what if we practiced spending better instead?This is my behind-the-scenes thinking th...
1331 | No. 20 "Enough Is Enough"
19 Aug 2025
Contributed by Lukas
This essay is from my new book, "Your Money: Reimagining Wealth in Simple Sketches."It’s called “Enough Is Enough,” and in this episode, I unpac...
1330 | No. 10 "Life Meets Money"
01 Aug 2025
Contributed by Lukas
This essay might be one of the most important from my new book, "Your Money: Reimagining Wealth in Simple Sketches."It’s called "Life Meets Money" a...
1329 | The Minimum Effective Dose of Money
10 Jul 2025
Contributed by Lukas
In this episode, Carl asks a provocative question: What’s the minimum effective dose of money? Just like medicine or exercise, more isn’t always b...
1328 | The Comparison Audit
09 Jul 2025
Contributed by Lukas
In this episode, Carl shares three quick stories—a successful entrepreneur feeling like a failure, a heartfelt compliment from his daughter, and a w...
1327 | The New Superpower: General Resilience
08 Jul 2025
Contributed by Lukas
In this episode, Carl explores the quiet panic so many of us are feeling about the future, especially young adults and the parents who love them. From...
1326 | Connection Is the New Luxury
07 Jul 2025
Contributed by Lukas
In a world of AI-generated books, endless content, and virtual everything… maybe the rarest thing isn’t more information—it’s real human conne...
1325 | Independent, But Not Alone
04 Jul 2025
Contributed by Lukas
What does independence really mean? In this special Independence Day episode of Behavior Gap Radio, Carl unpacks the myth of the self-made person and ...
1324 | Money Is a Cheap Shortcut
03 Jul 2025
Contributed by Lukas
What if money is just a cheap shortcut? In this episode of Behavior Gap Radio, Carl shares a story about grandma’s dinner and explores the deeper fo...
1323 | Organizing Our Lives Around Money
02 Jul 2025
Contributed by Lukas
What’s at the center of your life? In this episode of Behavior Gap Radio, Carl explores the idea that, for many of us, money has quietly become the ...