Permission Granted (Part 2): Fear, Freedom, and Writing a New Money Story with Carl Richards
In Part 2 of this intimate conversation, Shari continues her discussion with Carl Richards, the New York Times “Sketch Guy.” If Part 1 was about the behavior behind money, Part 2 is about the beliefs behind your life.
Carl opens up about how his simple sketches began, how a single comment from his wife reshaped his entire career, and why permission—not math—is often the missing piece in big financial and life decisions.
He shares unforgettable stories, including the woman who left her prestigious Wall Street law job to return home and help her father run the family farm—because Carl granted her the “permission” she already had inside her.
Shari and Carl also dig into fear, impostor syndrome, our inherited money stories, and why most of us wait far too long to trust what we know is true about our lives.
This is the kind of conversation you don’t just listen to—you feel it.
You’ll walk away with:
– Why permission is often the bridge between intention and action
– The emotional patterns that keep people stuck
– How fear shows up at every major life moment
– The story behind Carl’s famous sketches
– The one money belief Carl would give his 25-year-old self
– Shari’s own reflections on her younger self
—and what she wishes she knew
Shari closes the episode by sharing how Carl’s influence shaped her practice, her philosophy, and the human-centered way she guides clients inside GWA Wealth.
Explore more episodes at everyonestalkinmoneypodcast.com.
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22:24
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22:24
Money Is Human: A Powerful Conversation with Carl Richards on Fear, Permission, and Becoming a Better Investor
Money doesn’t behave the way math does—and no one knows that better than today’s guest, Carl Richards, the New York Times “Sketch Guy” and author of The Behavior Gap. In Part 1 of this powerful two-part series, Shari Rash, sits down with Carl to unpack the exact moment he realized that investing is less about spreadsheets and more about psychology, fear, wiring, and real-life behavior.
Carl shares the story of stumbling into finance by accident, landing on the trading floor during the Netscape IPO frenzy, and discovering firsthand that humans—not numbers—drive markets.
Together, Shari and Carl explore why smart, capable people still buy high, sell low, and spiral during market chaos… and what it actually takes to become a better investor.
If you’ve ever wondered why the “right financial move” can feel impossible in the moment, this episode will make you exhale. The problem isn’t you—it’s human nature.
You’ll walk away with:
Why money decisions rarely follow logic
How your hardwiring pushes you toward emotional investing
What it really means to become a “good investor”
Carl’s “Deeper Yes” framework to avoid panic-selling
How Shari uses this work inside GWA Wealth to help clients stay grounded
This episode is deeply personal for Shari—Carl’s work shaped her entire approach to financial planning—and Part 1 sets the stage for an even more transformative conversation in Part 2. Listen to Behavior Gap Radio.
And if you’re ready to build a plan that honors both your numbers and your humanity, connect with Shari Rash on Instagram @everyonestalkinmoney. Learn more and listen to past episodes at everyonestalkinmoneypodcast.com.
Talkin’ Points → where your money gets smarter.
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26:03
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26:03
Recession Core, But Make It Personal: How to Thrive Without the “Cost of Comfort”
Is a recession coming? Maybe. But here’s the truth: the only recession that really matters is the one happening in your household.
In this candid, practical conversation, Shari Rash and financial coach Dylan Snowden reframe “Recession Core” from a fashion trend into a living, breathing money protocol.
You’ll learn how to strip out the hidden “cost of comfort,” build sustainable habits you won’t abandon by February, and prepare for income dips without living like a monk.
You’ll hear:
Why “personal recession” planning beats doom-scrolling economic headlines
The “cost of comfort” leaks (parking, water bottles, drinks out) that quietly drain your budget
Borrow > buy: tool libraries, Buy Nothing groups, and building community while saving cash
DIY vs. pay the pro: when expertise is cheaper than mistakes
A simple weekly “say no” rep to build your money boundaries
If you loved this episode, keep the money convo going at everyonestalkinmoneypodcast.com— and join our newsletter!
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31:46
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31:46
Give More, Stress Less: Your Guide to Intentional Year-End Generosity
The most rewarding money move you can make before December 31st isn’t a tax hack, an investment tweak, or a budgeting trick — it’s generosity. But not the chaotic, guilt-driven kind that leaves you staring at your credit card bill wondering what happened.
We’re talking intentional, values-aligned giving that feels good, makes sense financially, and creates real impact.
In this episode, Shari breaks down how to build a year-end giving plan that’s thoughtful, strategic, and completely aligned with what matters most to you. From setting a realistic giving budget to choosing between cash, stuff, or experiences, to vetting charities and teaching kids the meaning of generosity — this is your blueprint for giving with clarity instead of pressure.
You’ll hear:
How to set a values-based giving budget that actually feels good
The difference between gifting stuff, gifting cash, and gifting experiences — and why one is almost always best
How to vet nonprofits so your contribution makes real impact
Ways to teach kids (and family) the habit of intentional generosity
A step-by-step year-end generosity checklist you can use today
If you’re ready to end the year feeling aligned, not drained — this one’s for you
Talkin’ Points → where your money gets smarter.
Real talk, practical tips, zero guilt straight to your inbox. Sign up here.
Be sure to like and follow the show on your favorite podcast app!
Keep the conversation going on Instagram @everyonestalkinmoney
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32:28
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32:28
RIP to the Penny: The Real Reason It’s Gone and the Future of Money
The penny has officially been laid to rest — and while most of us won’t shed a tear, its retirement marks a surprisingly big moment in how America handles money.
In this quick update, I’m walking you through what happened to the penny, why the U.S. finally pulled the plug, and what this tiny change means for your wallet and the future of cash.
You’ll hear:
Why the U.S. Mint stopped making pennies and how much money it saves
How other countries (like Canada) ditched their low-value coins decades ago
What rounding rules mean for your everyday purchases
Why this signals a major shift toward a digital-first financial system
What to do if you still have jars of pennies hiding in your house
A little funeral, a little financial education, and a lot of clarity about where money is heading next.
Talkin’ Points → where your money gets smarter.
Real talk, practical tips, zero guilt straight to your inbox. Sign up here.
Be sure to like and follow the show on your favorite podcast app!
Keep the conversation going on Instagram @everyonestalkinmoney
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New York Times Top 4 Money Podcast with over 24 million downloads!
Ever wake up at 3 a.m. in a full-blown panic, wondering if you’ll ever have “enough” money? Maybe you’re making more than ever, but somehow, the worry never goes away. You stress over every purchase, second-guess every money move, and still feel like you’re one wrong decision away from losing it all.
Here’s the truth: It’s not just about the dollars—it’s about what’s happening in your head.
Welcome to Everyone’s Talkin’ Money, the podcast that finally tells it like it is: your emotions, thoughts, and habits around money are what’s keeping you stuck— not just your paycheck. Shari Rash is a money expert who wants to help you ditch shame, rewrite the rules, and help you feel powerful with your finances. Don't worry, this show isn’t another snooze-fest finance podcast. She's here to help you unf*ck your finances and finally build wealth in a way that actually feels good.
If you’re tired of finance bros yelling at you for buying a damn latte and sick of money advice that doesn’t fit your life, hit subscribe. It’s time to unravel your money mess, rewrite your story, and start building wealth—on your terms.
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