The One-Page Financial Plan book cover

The One-Page Financial Plan by Carl Richards Summary

The One-Page Financial Plan
Carl Richards
3.76 (1952 Reviews)
Finance
Self-growth
Business
Aperçu
Points Clés
Auteur
Questions Fréquentes

Overview of The One-Page Financial Plan

Simplify your finances with Carl Richards' revolutionary one-page approach, endorsed by top financial advisors. By aligning money with personal values, this NYT "Sketch Guy" columnist transformed how professionals engage clients. What financial anxieties could you eliminate with just one page?

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Points clés

1

The Money Mindset Revolution

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Imagine having complete clarity about your financial future-not because you can predict markets or economic trends, but because you understand what truly matters to you. This is the revolutionary premise behind Carl Richards' approach to personal finance. In a world drowning in complex financial advice, Richards offers something refreshingly different: simplicity. Rather than obsessing over spreadsheets or investment returns, he focuses on the emotional side of money-the anxiety, shame, and confusion that often accompany financial decisions. The breakthrough insight? A good financial plan isn't about having all the answers; it's about making peace with uncertainty while staying focused on what matters most to you. "Why is money important to you?" This deceptively simple question forms the foundation of meaningful financial planning. Most of us get caught in the "how" of money without examining the deeper purpose behind our financial decisions. When we dig beneath surface-level answers like "security" or "freedom," we often discover surprising truths about what truly matters to us. Take Sara, an emergency room physician who initially said money represented "freedom" to her. When pressed further, she revealed what truly mattered: "I really want to have a family, and I haven't even had time to think about it." This revelation transformed every subsequent financial conversation. Looking at how you currently spend your time and money provides valuable clues to your values, though you might discover uncomfortable misalignments. For couples, these discussions are essential but challenging. Everyone brings their own money baggage-the financial beliefs formed in childhood. Your answers to "why is money important to you" become the foundation of your financial plan, guiding every subsequent decision.

2

Embracing Uncertainty and Financial Reality

3

Breaking Through Spending Stories and Finding Your Savings Sweet Spot

4

The Investment Reality Check

5

The Power of Financial Behavior

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@Raaaaaachelw
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"Crazy how much I learned while walking the dog. BeFreed = small habits → big gains."

@Matt, YC alum
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"Reading used to feel like a chore. Now it’s just part of my lifestyle."

@Erin, Investment Banking Associate , NYC
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"Feels effortless compared to reading. I’ve finished 6 books this month already."

@djmikemoore
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@OojasSalunke
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@Moemenn
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"I never knew where to start with nonfiction—BeFreed’s book lists turned into podcasts gave me a clear path."

@Chloe, Solo founder, LA
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comments
12
likes
117

"Perfect balance between learning and entertainment. Finished ‘Thinking, Fast and Slow’ on my commute this week."

@Raaaaaachelw
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star
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@Matt, YC alum
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108

"Reading used to feel like a chore. Now it’s just part of my lifestyle."

@Erin, Investment Banking Associate , NYC
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254
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"Feels effortless compared to reading. I’ve finished 6 books this month already."

@djmikemoore
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@Pitiful
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96
likes
4.5K

"BeFreed turned my commute into learning time. 20-min podcasts are perfect for finishing books I never had time for."

@SofiaP
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"BeFreed replaced my podcast queue. Imagine Spotify for books — that’s it. 🙌"

@Jaded_Falcon
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201
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"It is great for me to learn something from the book without reading it."

@OojasSalunke
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"The themed book list podcasts help me connect ideas across authors—like a guided audio journey."

@Leo, Law Student, UPenn
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37
likes
483

"Makes me feel smarter every time before going to work"

@Cashflowbubu
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