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The One-Page Financial Plan

A Simple Way to Be Smart About Your Money

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The One-Page Financial Plan

By: Carl Richards
Narrated by: Carl Richards
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About this listen

Whenever I tell people about my job as a financial advisor, the conversation inevitably turns to how hopeless they feel when it comes to dealing with money. More than once, they've begged, "Just tell me what to do." It's no surprise that even my most successful friends feel confused or paralyzed. Even if they have a shelfful of personal finance books, they don't have time to make sense of all the information available. They don't just want good advice; they want the best advice - so rather than do the wrong thing, they do nothing. Their 401(k)s and bank statements pile up, unexamined or maybe even unopened.

What they don't realize is that bad calls about money aren't failures; they're just what happens when emotional creatures have to make decisions about the future with limited information. What I tell them is that we need to scrap striving for perfection and instead commit to a process of guessing and making adjustments when things go off track. Of course we're going to make the best guesses we can - but we're not going to obsess over getting them exactly right.

The fact is in a single page, you can prioritize what you really want in life and figure out how to get there. That's because a great financial plan has nothing to do with what the markets are doing, what your real estate agent is pitching, or the hot stock your brother-in-law told you about. It has everything to do with what's most important to you.

By now you may be wondering, "What about the details? How much do I need to invest each year, and how do I allocate it? How much life insurance do I need?" Don't worry: I'll cover those topics and many more, sharing strategies that will take the complexity out of them. The most important thing is getting clarity about the big picture, so you can cope with the unexpected. Maybe you'll lose the job you thought was secure; you'll take a financial risk that doesn't pan out; you'll have twins when you were budgeting for only one.

©2015 Carl Richards (P)2015 Gildan Media LLC
Investing & Trading Money Management & Budgeting Personal Finance Inspiring Insurance Financial Planning Business
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Valuable Advice • Well-written Book • Concise Information • Helpful Guidance • Transparent Author
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This book is a terrific help to me and my wife. We are revising our financial plan and this book has wonderful advice.Thanks, Carl!

Anyone worried about money at all should list n to this book.

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Incredibly informative, oddly inspirational. The author does a great job at democratizing financial planning for the layman, as well as informing the experienced in new ways. thoroughly enjoyed listening.

Incredibly informative, oddly inspirational

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If you don’t know where to start in organizing your finances, this book is a good first step

Great book to start getting more clarity

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An excellent primer on personal finances and personal financial planning. Smooth narration at 1.05 speed.

Sound Advice

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Short book, very well written, but full of timeless advice for anyone who is ready to change their financial habits. I listened to it at the gym. Highly recommended.

Simple but Life Changing

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This book concisely and logically sums up many of the PF podcasts I've heard in the past year.

Excellent PF advice for modern times.

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Good book with simple advice you can actually use and leverage on. No fluff and it is to the point. One key point to me was the fact that every situation is different and hence we don't all require the same prescription when deciding on a financial plan.

Plain simple for a start

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Thanks Carl- just listened to your book on a cross country flight. As an Advisor, I am challenged each day to communicate our Firm's philosophy to our clients. You have presented a complete and consistent message that bears repeating at every opportunity. The best approach for financial decision making is the simplest approach and it starts and ends with a question: What do you value about money?
You have affirmed why I have been a fan of yours for many years- keep up the good work- that of a real advisor!

Great Grounding for any Advisor or Individual

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I'm not very knowledgeable about finances, so I thought I would give it a try. The book did help me with budgeting and our money and my husband also read it and he helped me to understand it better. I believe a book like this would be a valuable tool for my children and their spouses .

A Good and Simple Financial Book

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Any one who wants to have a secure financial plan need to read this. Talks about complex topics and small bit size pieces.

Must read for every one

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