Jan 06, 2023

NGPF Podcast (Classic): Carl Richards on creating sketches to explain financial concepts

From the NGPF Archives, a conversation with Carl Richards who talks about his experience as the Sketch Guy at the NY Times, how Carl first got into the "securities" business, and how his experience serving clients as a certified financial planner gave him plenty of material for his books and sketches. 


  • 0:00~1:40 Introduction
  • 1:40~2:16 Early money lessons
  • 2:16~8:58 From accidentally getting into the world of finance to sketching sketches
  • 8:58~10:29 Most impactful sketch
  • 10:29~14:01 Favorite investing sketches
  • 14:01~18:27 Experience as a Certified Financial Planner
  • 18:27~23:38 Making money mistakes
  • 23:38~24:07 A word from NGPF
  • 24:07~30:46 On The One-Page Financial Plan
  • 30:46~38:27 Investing in yourself and investing for the long term 
  • 38:27~45:54 Shutting down the noise and raising awareness
  • 45:54~46:35 Upcoming project
  • 46:35~48:01 Conclusion



  • “Behavior change happens as a byproduct of awareness. We don’t have to have behavior change as the goal, we can have awareness as the goal.”


Interested in Behavioral Economics? NGPF has a unit exploring how psychology affects our money decisions. Check it out here. 

About the Authors

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.

Ren Makino

Ren started interning at NGPF in 2014, and worked part-time through high school and college. With his knowledge growing alongside NGPF, he joined the team to work full-time after graduating from college in 2020. He is also the producer of the NGPF podcast. During his free time, he likes to try out coffees from different roasters across the world.

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