These 12 Sketches Perfectly Illustrate The Path To Wealth And Financial Happiness

New York Times columnist, author, and financial planner Carl Richards has made a career out of exposing and analyzing what he calls the "behavior gap" - the gap between what you should do with your money and what you actually do.

Richards has boiled down his wisdom on wealth and happiness in a dozen sketches that he's giving away to his readers during the "12 Days Of Behavior Gap." We've shared them here with his permission.