Beyond Budgets Podcast18 Sep 2025

Big Hat, No Cattle: Rethinking Wealth with Carl Richards

What if the best money conversations aren't really about money?

In this episode of Beyond Budgets, Deb Meyer sits down with Carl Richards, author of Your Money: Reimagining Wealth in Simple Sketches, to explore how we can think more clearly and speak more kindly about money in our relationships.

Carl shares why our views of money often clash with those closest to us, how comparison gets in the way of contentment, and what it means to align our values with financial decisions.

This is a must-listen for anyone who wants to bring more clarity and calm into their financial life, especially parents trying to model healthy money habits for the next generation.

In This Episode

You'll learn:

(2:32) Why spouses often see money differently, and how to navigate that with less tension
(7:42) What "big hat, no cattle" means and how to stop comparing your life to others
(14:03) Why values can conflict without being wrong, and how to live in that tension
(17:28) The difference between investment returns vs. investor returns (a.k.a. "The Behavior Gap")
(25:41) How to spend in a way that brings more joy and connection, not just more stuff

About Carl Richard's Book

Carl's new book, Your Money: Reimagining Wealth in Simple Sketches, comes out October 21 and is designed to be a "conversation grenade". It will help spark more meaningful dialogue with your spouse, kids, or friends around money.

Want a free excerpt?
📧 Email hello@behaviorgap.com with "Friend of Carl" in the subject line to receive a preview.

A Few Favorite Quotes

"Your values aren't at war, they're in conversation."
— Carl Richards

"You don't have to resolve every money tension in your marriage. Sometimes the difference is the strength."
— Deb Meyer

Connect with Host Deb Meyer, CFP®

Founder of WorthyNest®, helping intentional parents build financial plans that reflect their values.

Schedule an initial meeting | Follow us on YouTube | Get your FREE family finance guide

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