An excellent “back of the napkin” graphic by Carl Richards of BehaviorGap.com by illustrating how life seemingly changed for the better with the introduction of cheap consumer credit, and more than likely, how life is going to revert back to the old normal without access to all that leverage.

Carl is certainly one of a select group of financial planners that “get’s it” in my humble opinion. Meaning, he understands that much of what separates us from sound financial planning is our behavior and being able to ignore that antagonistic little voice in the back of head that has a knack for talking us into dumb ideas is one of the easiest paths to building a sound financial future.

If you’re interested in the musings and illustrations of a real pro, you might want to checkout the Behavior Gap newsletter.