In this episode of The Canadian Retirement Roadmap Podcast, Patrick sits down with Carl Richards — CFP®, bestselling author, and creator of the long-running Sketch Guy column in The New York Times. Carl’s new book, Your Money: Reimagining Wealth in Simple Sketches, explores our relationship with money in ways that are thought-provoking, emotional, and refreshingly human. Together, Patrick and Carl dive into several sketches from the new book, discussing: ✅ Why money = feelings ✅ The true meaning of real financial planning ✅ Why boring investments often outperform ✅ Why sometimes, you just need to spend the money ✅ How to live an “alpine style life” with less stuff and more meaning ✅ And how to embrace the reality that things change   💡 Giveaway: Want a chance to win a copy of Carl’s new book? Enter here → www.bayswaterwealth.ca/podcast   📖 Get Carl’s book on Amazon: https://a.co/d/hV9EoyP   Chapters:00:00 Introduction and Guest Welcome 02:28 Carl Richards' Background and New Book06:08 The Emotional Side of Money08:57 Real Financial Planning13:34 Investment Discipline and Practical Advice17:56 The Purpose of Money18:37 Spending Money for Happiness21:16 Financial Planning and Spending22:36 Portfolio Management Insights25:47 The Alpine Style Life28:56 Embracing Change33:03 Final Thoughts and Reflections 👍 Don’t miss future episodes of The Canadian Retirement Roadmap Podcast! Subscribe here on YouTube and explore past episodes + free resources → www.bayswaterwealth.ca/podcast 🌐 Website: www.bayswaterwealth.ca 💼 LinkedIn: https://www.linkedin.com/in/patrick-briscoe/ 📸 Instagram: https://www.instagram.com/bayswaterwealth/ 📞 Want to connect? Book a free 15-minute introductory call (phone or video) → https://bayswaterbookings.ca/prospective-step-1/   📲 Connect with Carl:LinkedIn: https://www.linkedin.com/in/thinkingcarl/X: https://x.com/behaviorgap Instagram: https://instagram.com/behaviorgap YouTube:  @behaviorgap  ⚠️ Disclaimer: The information shared in this video is for educational purposes only and is not tailored financial advice. Every individual’s situation is unique — please consult with a qualified financial planner before making decisions about your personal finances.