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Behavior Gap Radio

Carl Richards

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Greetings, Carl here. This podcast is super simple, it's me wandering through the world noticing things about how to align my use of capital (time and money) with what is actually important to me. -Carl
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When markets get scary, most people yell: DO SOMETHING. And most advisors respond with stats, charts, and long-term return arguments. But that’s not what people actually need. At least, not first. This is a behind-the-scenes look at one of my favorite essays in my new book, Your Money: Reimagining Wealth in 101 Simple Sketches. It’s called “Scary M…
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He says he took over a “beleaguered” department. The new head of the Colorado Bureau of Investigation is Armando Saldate. The CBI has had some highly public missteps; Saldate says he’s eager to get to work and to rectify mistakes. Then, moms reflect on their anxiety and how they cope after the school shooting in Evergreen. Later, Colorado Elvis Fes…
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Matthew Silverstone was critically injured in the shooting at Evergreen High School. His family wants the community to know who he is as he fights to recover; we share his uncle's message. Then, the Denver Public Library wants to get more people reading by sharing one book to encourage conversation. It's also inspired a photo exhibit. Plus, Sunday …
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Two decades ago, radio journalist Ryan Warner fled churning hurricanes in Florida for higher, drier ground in Colorado. Warner, Senior Host of Colorado Matters, reflected on his career and on the state of public media recently at the Osher Lifelong Learning Institute (OLLI) at DU. The moderator is journalism ethicist Bob Steele.…
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When it comes to planning for Colorado's fastest growing population, people 65 and older, the state's Senior Specialist on Aging says it needs to be a group effort. "The government can't do all this work, nonprofits can't do all this work, we need the business community involved, we need healthcare involved, we need philanthropy involved," said Kri…
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Every investor has felt it. The panic. The urge to act. The voice in your head saying: “Just get me out.” This is the big mistake. And if you’re not careful, it can undo years of thoughtful planning. In this video, I share the story behind one of my favorite sketches: The Big Mistake. This sketch and essay is 54 of 101 in my new book, Your Money: R…
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School shootings reverberate beyond any single classroom or campus or community. We've invited back a family therapist to discuss the violence we've seen here and elsewhere lately. Then, do Democrats take Colorado for granted? It's a question we have for Gov. Jared Polis in the final installment of our special from Grand Junction. Plus, what it tak…
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Gov. Jared Polis joins Ryan Warner on stage at the Asteria Theatre in Grand Junction to answer questions in front of an audience about issues affecting the Western Slope as well as statewide and national concerns. In this second part of the conversation, they discuss RFK Jr. and changing vaccine guidance, addressing the high cost of housing, the im…
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Gov. Jared Polis joins Ryan Warner on stage at the Asteria Theatre in Grand Junction to answer questions in front of an audience about issues affecting the Western Slope as well as statewide and national concerns. In this first part of the conversation, they discuss "Governor's Safeguarding Democracy," the use of the National Guard, immigration enf…
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First, there were moose. Then lynx. Then wolves. Now, Colorado's planning to reintroduce wolverines to the state. We'll get an update on the plan. Then, the Church of Jesus Christ of Latter-Day Saints is opening temples around the world, including Grand Junction. Plus, a push to keep coal power in Colorado. Also, answering a Colorado Wonders questi…
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A remarkable Coloradan - and an American pioneer - celebrates his 92nd birthday today. Ed Dwight was the first Black man to be selected for astronaut training more than 60 years ago. And six decades later, he became the oldest person to go to space. Dwight’s history-making didn’t stop there. He went on to become a celebrated artist, sculpting impor…
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A land trust has helped conserve more than 150,000 acres on Colorado's Western Slope, from fruit orchards in Palisade to ranches on The Grand Mesa. Then, descendants of the 10th Mountain Division of skiing soldiers retrace their fathers' and grandfathers' journey in Italy 80 years after the end of World War II. Plus, we visit a medical clinic in a …
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This might be the simplest sketch I’ve ever made. It’s just four shapes and one word: Diversification. But if you’ve ever built a REAL portfolio, you know exactly what it means. Here’s the uncomfortable truth most people miss: If you’re diversified the right way, you’ll always own something you don’t like. In this behind-the-scenes video, I unpack …
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The Denver Broncos kick-off the regular season Sunday at Empower Field at Mile High Stadium against the Tennessee Titans, and hopes for the season are a mile high! We get perspective from former Bronco and sportscaster Ryan Harris. Then, "Soles of a Survivor" recounts a harrowing journey from oppression to freedom, with author Nhi Aronheim of Engle…
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Would Colorado follow the lead of Texas and California and redistrict Congressional seats for political gains? Voters changed the state constitution to make sure that sort of manipulation can't happen here. We speak with the architect of Colorado's effort to take politicians out of re-drawing districts. Then, public school teachers have faced a diz…
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In this episode of Behavior Gap Radio, Carl introduces a new framework he’s been exploring for decades: the discipline of fullness. Inspired by natural lifestyle advocate Tony Riddle’s audacious barefoot running project, Carl unpacks how living a full, intentional life isn’t about white-knuckled discipline or deprivation. Instead, it’s about fillin…
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In the battle to keep Space Command, Colorado has lost. At least for now. We talk through the impact. Then, a Southern Colorado ranch tests the next generation Moon rover. Plus, Colorado author Erika Krouse is racking up accolades for her new short story collection. She shares a doozie and answers questions about it. Later, the evolution of Boulder…
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After an unplanned two-month break, Carl returns to Behavior Gap Radio with reflections on routines, streaks, and what truly matters. In this episode, he shares how stepping away revealed the difference between serving a tool and letting a tool serve you. From creative practices to daily habits, Carl explores how to use routines in ways that suppor…
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Ranchers in our state have a lot to juggle, says the newly-elected president of Colorado's Cattlemen's Association, Curt Russell. Things like drought, wildfire, and wolves; not to mention regulation challenges and the uncertainty of tariffs. Then, from A.I. to filling a nearly billion dollar budget hole to addressing bad behavior in the state capit…
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On this Labor Day, labors, of love. Like a budding fruit orchard on property previously ravaged by historic flooding in Lyons. And a barbershop in Denver, where former inmates offer a shave, a haircut, and heart. Plus, Stranahan's celebrates 20 years of tradition where the art of making whiskey is truly a labor of love for the head blender.…
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Most budgeting advice feels like punishment. That’s how it felt to me, too... until I realized something simple but powerful: 💡 Money’s natural state is motion. That’s why we call it currency! 💡 And what really matters? Paying attention to where it’s going. In this behind-the-scenes video, I talk about one of my favorite essays and sketches from my…
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The Tuesday Group formed in Denver when the Trump Administration shut down USAID. Experts in international development are in need of aid themselves-- emotionally and in the job search. Colorado Matters visits this support group at the Posner Center for International Development, which is a nerve center for Coloradans in foreign aid. Then, a Buc-ee…
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We’ve been told to spend less. Cut back. Control ourselves. But what if we practiced spending better instead? This is my behind-the-scenes thinking that shaped essay #30 in my new book, Your Money, coming out in October 2025. The essay is called “The Spending Practice." This essay talks about guilt, values, and why learning to spend with intention …
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Today, the stories of four people who now call Colorado home. They share a common bond: They all survived the American tragedy known as Hurricane Katrina, which devastated New Orleans 20 years ago and remains one of the deadliest and most destructive hurricanes in U.S. history. They share their journey from Louisiana to Colorado and how it forever …
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Heading into fall, we get a check-up on COVID vaccines, the seasonal flu, measles, and West Nile with Dr. Ned Calonge, the state's chief medical officer. Then, as Western states divvy up water from the Colorado River, a new documentary wants to make sure the river isn't run dry. Plus, new research from CU Boulder on drought conditions and human-cau…
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He's a Denver Broncos original who was a game changer even though he avoided the spotlight. From player to coach, we remember Lionel Taylor. Also, the influence of James Dobson on today's Conservative Christian movement following the evangelical leader's death. Plus, Manitou Springs grapples with the changing cannabis market in El Paso County. Then…
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Lawmakers remain in special session at the State Capitol after working over the weekend. The first order of business: close a billion dollar budget gap. But they're also trying to legislate artificial intelligence. Then, Systemic asks what can be done to keep young people from getting guns. And later, the Local 303 showcases "hot" artists for the m…
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Denver7 chief meteorologist Lisa Hidalgo joins us to discuss weather, climate, and water in the face of worsening drought and wildfires on the Western Slope. Then, researchers hope to unravel the mystery of hailstorms. Plus, Denver music duo Tennis nears the end of their farewell tour in Colorado; their last date here is Tuesday, August 26 at Missi…
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Where youth violence was once rampant, it has plummeted. A successful program screens young people for their susceptibility. But now Denver's Youth Violence Prevention Center is itself susceptible to federal budget cuts. Then, a lot of single people are sick of dating in the modern era; Boulder author and dating coach Tim Molnar has ideas to make r…
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A decade ago this month, the Animas River in southwest Colorado turned bright orange after a toxic plume from the Gold King Mine spilled downstream. In the ten years since, what's been the impact and what's changed, or hasn't, to prevent future problems? Then, Purplish examines what's being done to address harassment and other workplace misconduct,…
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This essay is from my new book, "Your Money: Reimagining Wealth in Simple Sketches." It’s called “Enough Is Enough,” and in this episode, I unpack how we confuse more with better—and what it really means to have enough. It’s a story about investing, dessert, and clarity. Because enough can't be a number. If enough is a number, you'll never have eno…
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CU Boulder’s chancellor, Justin Schwartz, describes what it takes for students to graduate — beyond tuition — and how housing, food and connection on campus factor in. Then, a youth violence prevention specialist joins Aurora police in an unconventional effort to keep young people safe and out of prison in "Systemic."…
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Former NPR science reporter David Baron, of Boulder, gives Colorado Matters an exclusive sneak peek at his new book, "The Martians: The True Story of an Alien Craze That Captured Turn-Of-the-Century America." Listen to a captivating conversation in front of an audience at Library 21c in Colorado Springs.…
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Denver singer/songwriter Such is driven by a passion to connect and take care of others, first in nursing, now in real estate and especially, in her music. Then, Coloradans are living longer. And an Arapahoe County sheriff's deputy finds connection and community through his cowboy hat.By Colorado Public Radio
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Most people want to stay in their homes for as long as possible as they get older. But if you do decide it's time to downsize, where do you begin? In a special "Aging Matters on Colorado Matters," we ask what to consider when selling your home and how to start getting rid of decades and decades of stuff. Then, a neighborhood health fair at a time w…
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The Americans with Disabilities Act became law 35 years ago. Coloradans reflect on our state's pivotal role and on the progress still to be made. Then, ahead of a special session of the state legislature, a look at a bad budget gap and some bad behavior. Plus, the season three premiere of Systemic, CPR's podcast about changemakers.…
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Denverites are trying to square something: the city's about to lay off employees but at the same time it wants voters to approve nearly a billion dollars in projects. We ask Denver Mayor Mike Johnston about that, tensions with Trump, turning office towers into apartments, and the future of the Broncos. Then, remembering a Hiroshima survivor in Denv…
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Psychedelics can help people see things from a new perspective. That includes veterans and first responders who are also using storytelling to help them overcome challenges. Also, handheld devices that translate nearly 100 languages, including Azerbaijani, Haitian Creole and Spanish are being used by some Colorado counties to help non-English speak…
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When someone tries to buy a gun in Colorado and is denied, it gets flagged. A CPR investigation finds that intelligence is underused. CPR justice reporter Allison Sherry on how this connects to the firebombing in downtown Boulder and to immigration enforcement. Then, Donald Trump promised to deport "the worst of the worst," but an analysis of ICE a…
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New research shows that respiratory viruses, like the flu and COVID-19, could “wake up” dormant cancer cells. We speak with with James DeGregori, the senior author of the study and deputy director of the Colorado Cancer Center. Then, Theodore "Bubbles" Anderson was the only Colorado native to play in the Negro Baseball League. A century later, he's…
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"Made in America." It's something the president wants to see more of, and it's one reason behind his tariffs. But they're hitting companies that are already making in America. We speak with a local manufacturer about the impact. Then, as the state faces another big budget gap, could it make up the shortfall using Coloradans' unclaimed property? Pur…
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Colorado's new state historian has dedicated her career to maps -- not just as tools of navigation -- but of influence and conquest. We speak with Dr. Susan Schulten. Also on this Colorado Day, we set the state's new area code to music! Plus a chance to see the governor's mansion. Then, you can vote on your favorite flower at CSU's Flower Trial Gar…
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