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Your Money: Reimagining Wealth in 101 Simple Sketches
Your Reimagining Wealth in 97 Simple Sketches is a groundbreaking personal finance book designed to engage, inspire, and educate a broad audience in a way that traditional finance books have struggled to achieve.
Building on the success of The Sketch Guy column and a committed readership, this book offers a highly approachable and conceptually innovative format that reimagines the personal finance genre.
Building on the success of The Sketch Guy column and a committed readership, this book offers a highly approachable and conceptually innovative format that reimagines the personal finance genre.
280 pages, Paperback
Published October 21, 2025
2 people are currently reading
12 people want to read
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Displaying 1 - 2 of 2 reviews
August 30, 2025
It is time to give up spreadsheets for sketches - at least for a couple of hours as Carl Richards takes you through the human side of your financial life.
Richards is the creator of the New York Times Sketch Guy column, which ran weekly for more than a decade. He is also the author of the highly successful books The Behavior Gap and The One-Page Financial Plan, and founder of The Society of Advice. He is known for making complex ideas accessible through stick-figure sketches and his transparent, empathetic approach to money conversations. His philosophy blends self-awareness, behavioral finance, and life goals, focusing less on the technicalities of investing and more on the alignment between money and personal values.
In Your Money Richards combines 101 sketches and essays into powerful reflection and conversation starters. The book cover invites you to think of it “as a conversation with a wise friend.” And it certainly feels like it. Richards looks at the other side of a highly quantitative field. But if you seek to align money with your life and your values - a central plea of the book and Richards’ work in general - you must understand and act on the psychological aspect of it. The way we feel about money. Financial decisions and achievements are inextricably linked with emotions such as pride, responsibility, anxiety, shame, or greed. We all feel them. Nobody can completely ignore them. None of this can be captured by an algorithm, no matter how many NVIDIA chips you pack in your data center.
Richards popularized the “behavior gap” concept, defined as the difference between investment returns and what investors actually earn—usually due to poor decisions driven by emotion. Your Money helps you to rein in your emotions and prevent dumb decisions around money. The book also helps you come to grips with the fact that there are no perfect predictions, nor should you strive to make them. Making your best guesses is the way to go, as long as you adjust them continuously to be a little less wrong tomorrow. Flexibility - rather than rigid plans - is key to managing both money and life transitions.
And of course, Richards makes a powerful argument for simplicity. His napkin sketches strip away any information detracting from what is really important. Hence, build simple strategies, automate them, and focus on consistent behavior over time. Emotional discipline is critical. Avoid letting short-term market moves dictate long-term plans.
Simplicity is not easy. It just shows that you have made a long journey to obtain a clarity of mind and have wrapped in clear language (and in this case sketches). Richards has certainly done so with this book and I applaud him for it.
This review is originally published within the Money Book Cirlcle in my newsletter. Sign up here for regular reviews of the hottest books on money and technology: https://igorpejic.substack.com/
Richards is the creator of the New York Times Sketch Guy column, which ran weekly for more than a decade. He is also the author of the highly successful books The Behavior Gap and The One-Page Financial Plan, and founder of The Society of Advice. He is known for making complex ideas accessible through stick-figure sketches and his transparent, empathetic approach to money conversations. His philosophy blends self-awareness, behavioral finance, and life goals, focusing less on the technicalities of investing and more on the alignment between money and personal values.
In Your Money Richards combines 101 sketches and essays into powerful reflection and conversation starters. The book cover invites you to think of it “as a conversation with a wise friend.” And it certainly feels like it. Richards looks at the other side of a highly quantitative field. But if you seek to align money with your life and your values - a central plea of the book and Richards’ work in general - you must understand and act on the psychological aspect of it. The way we feel about money. Financial decisions and achievements are inextricably linked with emotions such as pride, responsibility, anxiety, shame, or greed. We all feel them. Nobody can completely ignore them. None of this can be captured by an algorithm, no matter how many NVIDIA chips you pack in your data center.
Richards popularized the “behavior gap” concept, defined as the difference between investment returns and what investors actually earn—usually due to poor decisions driven by emotion. Your Money helps you to rein in your emotions and prevent dumb decisions around money. The book also helps you come to grips with the fact that there are no perfect predictions, nor should you strive to make them. Making your best guesses is the way to go, as long as you adjust them continuously to be a little less wrong tomorrow. Flexibility - rather than rigid plans - is key to managing both money and life transitions.
And of course, Richards makes a powerful argument for simplicity. His napkin sketches strip away any information detracting from what is really important. Hence, build simple strategies, automate them, and focus on consistent behavior over time. Emotional discipline is critical. Avoid letting short-term market moves dictate long-term plans.
Simplicity is not easy. It just shows that you have made a long journey to obtain a clarity of mind and have wrapped in clear language (and in this case sketches). Richards has certainly done so with this book and I applaud him for it.
This review is originally published within the Money Book Cirlcle in my newsletter. Sign up here for regular reviews of the hottest books on money and technology: https://igorpejic.substack.com/
December 25, 2025
Loved this book. So many relevant visuals that speak to managing money, but also life.
This will be my new go to client gift as they think about their finances.
This will be my new go to client gift as they think about their finances.
Displaying 1 - 2 of 2 reviews