A GIF of an iPhone 12 displaying a sample of the course, with text and audio messages coming from Carl

The Spending Practice


Understand your spending habits and bridge the gap between your values and budget.

Carl Richards teaches you simple daily routines that spark awareness, then action, to direct your spending where it matters most.

No budgets. No limits. No judgements.

Divider Line 1

Carl Richards Is a Certified Financial Planner™ and Creator of the Sketch Guy Column, Appearing Weekly in The New York Times Since 2010.

Learn to Spend with Your Values

This 2-week mobile course (all through text message!) will take no more than 5-15 minutes of your day. No spreadsheets, calculators, or billing statements required.

Each day, you’ll receive one morning and one evening audio message, alongside a short assignment aligning with that day’s subject. Learn unexpected tips to track daily expenses or mindful tactics to increase awareness of your purchase habits.

By the end of the course, you’ll have the simple, actionable skills to build new daily routines for finding more value in your purchases—without the line-item budget.

Bridge the Gap Between Your Values and Budget

How do you spend your money? Get tools to gain awareness of your spending habits.

What are your values? Learn to identify your values to align them with your spending.

How does spending make you feel? Understand your emotional connection to your purchases.

Learn the routines and tactics that will help you “re-invest” based on your personal values.

Praise for Carl’s Sketches

Carl Richards shows how to shape our behavior to invest, save, and spend to foster greater happiness.

Gretchen Rubin, author of The Happiness Project

When it comes to money, most of us are idiots. Carl prods us to master money, rather than letting it master us.

Laura Vanderkam, author of All the Money in the World

Frequent Questions

A black and white photo of Carl Richards.

About Carl Richards

Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.

Contact Us

Contact Us
Subscribe to mailing list
You can unsubscribe at any time by clicking on the unsubscribe link at the bottom of our emails.

Scroll to Top