Featured Blog: This Is About the Thing You Want to Do Most but Won’t Talk About

Written by Carl Richards

For the last 15 years, Carl Richards has been writing and drawing about the relationship between emotion and money to help make investing easier for the average investor. His first book, “Behavior Gap: Simple Ways to Stop Doing Dumb Things With Money,” was published by Penguin/Portfolio in January 2012. Carl is the director of investor education at BAM Advisor Services. His sketches can be found at behaviorgap.com, and he also contributes to the New York Times Bucks Blog and Morningstar Advisor. You can now buy – “The Behavior Gap” by Carl Richards on AMAZON.

October 5, 2018

You’re hiding something.

That’s right, I’m talking to you. You’ve got a secret. Maybe your spouse, a close friend or a sibling knows. But I bet almost nobody else does.

There is something you so want to do. You can feel it. It’s like a sliver you’ve had under your finger for years. Early on, it was hard to even put into words. It was something you just felt.

I’m talking about the unspeakable thing.

The unspeakable thing is that special passion that can keep you up at night. It’s what you do (or dream about doing) when nobody is looking. It’s what you really wanted to be when you grew up, not what you told your parents or teachers you wanted to be. The unspeakable thing is the firefighter, painter, actor, vagabond or veterinarianIt’s you.

Most of us have forgotten what our thing is. Or we have buried it beneath a 401(k) plan, good dental coverage and other virtues of the modern world.

And that’s fine. I’m not here to shame or blame you. All I want is to encourage you to figure out what your thing is and start dancing with it a little bit. I’m not saying that it’s time to quit your day job or uproot your family. I’m just telling you to stop hiding. Start making a conscious effort to engage with your thing a little bit at a time.

It’s O.K. if you don’t know exactly what your thing is yet. That’s part of the process. That’s why it’s the unspeakable thing.

Start today. No more hiding. Every good piece of art, revolutionary technology or high-impact idea was at some point just a thing that somebody had trouble putting into words. Think of your unspeakable thing as the seed. What comes from that seed is the stuff that can change the world — and will certainly change your own.


The above blog is by Carl Richards originally published in The New York Times’ Blog.

About the Author: Carl Richards, a certified financial planner, is the author of “The Behavior Gap” and “The One-Page Financial Plan.” His sketches and essays appear weekly in the New York Times.

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