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Summary
The article speaks with financial planner and author Carl Richards about how meaningful money decisions stem from values—not just spreadsheets. Richards argues that emotional truths around spending, saving, and investing drive our money choices. He urges listeners to align their spending with what truly matters to them, engage in honest money conversations, and guard against “future blindness”—ignoring the financial needs of our changed selves down the line. It’s less about market timing and more about building a financial life you feel confident living.
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