Money anxiety often starts long before our first paycheck. For Carl Richards, it showed up as “static in the air” growing up around unspoken financial stress—and it shaped everything that came after. In this candid conversation, Carl reflects on how early experiences with money quietly influence our beliefs about risk, security, and success. From diving for golf balls as a kid to accidentally landing a job in finance, he shares the moments that taught him why money is never just about numbers...