May 26, 2026

How Americans Build a Life Abroad: Carl Richards on Risk & Mindset

How Americans Build a Life Abroad: Carl Richards on Risk & Mindset

Carl Richards is a certified financial planner, the New York Times Sketch Guy, and the author of Your Money: Reimagining Wealth in 101 Simple Sketches. He moved from Utah to New Zealand with his family in a matter of weeks. His wife bought plane tickets ten days after hearing about a friend's available house. Ninety days later, they had moved.

This episode covers:

  • How Carl became the New York Times sketch guy (a desperate drawing on a whiteboard)
  • Why showing up and being consistent matters more
  • How Carl's wife pulled the rescue cord and moved the family to New Zealand
  • The detox from US money and work culture that Carl did not see coming
  • Moving teenagers abroad during a senior year of high school
  • Why New Zealanders ask about holidays and weekends, not jobs
  • The French cafe lesson: you think this is about money. It is about food.
  • The worry list: a blank page. Nothing is helped by worrying.
  • The cognitive load of a simple grocery store in a new country
  • Carl's daughter's advice: you thought you were going to have an adventure without it being hard
  • Why Carl would spend his savings again without thinking twice

Carl and host Arielle Tucker, CFP®, EA discuss why most of what we worry about never happens and why moving abroad does not require a perfect plan.

Resources


Mentioned in this episode:

www.passporttowealth.com

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00:00 - Untitled

00:01 - Introduction: Carl Richards, CFP®, New York Times Sketch Guy, and author of Your Money: Reimagining Wealth in 101 Simple Sketches

01:07 - How the New York Times sketch started

03:35 - Show up and put yourself at risk

06:12 - Moving the family to New Zealand

13:15 - Why they don't ask about your job in New Zealand

18:10 - Money as an excuse

21:56 - The worry list (blank page)

26:01 - The cognitive load of a grocery store abroad

27:12 - Adventures are hard