1393 | Concrete Memory, Not Opinions
Behavior Gap Radio · Carl Richards
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Show Notes
In this episode, Carl makes the case that great planning doesn’t happen in spreadsheets—it happens in conversation. He explores a simple but powerful shift in how we ask questions: trading abstract opinions for concrete memories. Instead of asking, “What do you think?” try, “Can you remember a specific time when…?” Because when we ask for memories, we move past polished narratives and identities and get closer to lived experience—the emotional data that actually drives financial decisions and risk behavior. From market fear to retirement numbers to childhood money stories, Carl shows how better questions lead to deeper clarity, stronger alignment, and more meaningful planning conversations.
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