HUNT VALLEY, Md. ( MainStreet) -- This is the last in a series that has featured guest posts from some of the most prolific bloggers and authors in the realm of money and life today. If you missed any, I encourage you to revisit the wisdom Derek Sivers, Chris Guillebeau and J.D. Roth shared with us. And we complete this series of superstars with the person I believe has taken the most unique approach to enhancing our understanding of personal finance -- certainly the most artistic!Carl Richards is a financial planner, blogger and the founder of the elusive Secret Society of Real Financial Planners. Armed with a Sharpie and card stock, Carl used his limited artistic skills to communicate some of the more complex and profound truths of financial planning and investing to clients with simple sketches. His building body of work at BehaviorGap.com got more notice than he expected, and he was invited to become a regular contributor to The New York Times. In January, Portfolio/Penguin is set to publish Carl's first book, Behavior Gap: Simple Ways to Stop Doing Dumb Things With Money. Thankfully, I've also had the privilege of getting to know Carl, and through that relationship I can certify beyond any doubt that his means, methods and message are not merely a smokescreen for attracting followers or selling books, but based on the foundational values upon which he grounds his life at work and home. He's been kind enough to share a sketch and a few words with us.
Real financial planning happens at the intersection of your life and your money. The problem, of course, is that this intersection is an emotional place. I think this is a challenge because most of us were raised with the idea that money, sex, and politics are not things we discuss openly or in polite company. Most of our parents felt like it was their job to protect us from the financial side of our families. We didn't talk about money at the dinner table, and chances are we didn't talk about money at all. Our parents' well-intentioned desire to protect their kids has left most of us ill-equipped to deal with the emotional issues that surround financial decisions and with the distinct belief that financial decisions can and should fit into a nice clean spreadsheet. But they don't. Dreams, fears and our most cherished goals for our children don't fit into a spreadsheet. Often those things are what financial decisions are really about. It's not about finding the best investment; it's about asking ourselves why we're investing in the first place. In light of this, how do we go about making good financial decisions? It starts with taking the time to get really clear about where we're trying to go and, maybe even more importantly, about why. So my suggestion is to stop watching Jim Cramer scream and put down the latest research report you got from the brokerage firm. Instead, take that time to have meaningful conversations with the people you love about money, your values as a family, and the kind of life you want to live together. Tim Maurer writes: The subtitle of my first book was The Intersection of Money and Life, but I'm not sure I've seen anyone encapsulate it better. Many thanks, Carl! >To submit a news tip, email: email@example.com. Follow TheStreet on Twitter and become a fan on Facebook.