8/6/2012 interview Carl Richards became an accidental artist with his simple sketches that make complex financial concepts easy to understand for thousands of people every week on The New York Times Bucks blog. His sketches also serve as the foundation for his first book, The Behavior Gap: Simple ways to Stop Doing Dumb Things with Money Portfolio/Penguin). Carl appears regularly on American Public Medias Marketplace Money, writes a column for Morningstar Advisor, and keynotes financial planning conferences and visual learning events.