The Permission Gap One of my favorite columnist is Carl Richards (aka Behavior Gap), an expert in behavioral finance (one of my favorite topics in finance). Last year I bought his calendar and today I would like to share with you the comic strip of the month November. Here is Carl's thoughts for this month: Here’s a simple exercise for you—grab a pen and a piece of paper. No excuses! If you’re reading this, you have a few minutes to spare. Got your paper? Great! Now, divide it into two columns. At the top of the left column, write: Things I’ve Always Wanted to Do. At the top of the right column, write: Things I’ve Done. Take just five minutes to fill in each column. Once you’re done, keep that paper somewhere visible—on your desk, your bathroom mirror, or even on your fridge—somewhere you’ll see it regularly. Now, pick something from the left column and do whatever it takes to move it to the right column. Some goals might take years to achieve, others just a few months. You might even discover that something like "skydiving" can shift from left to right in just a matter of days! For many, the only thing standing in the way of achieving their dreams is simply giving themselves permission. Consider this exercise your personal permission slip. No more waiting—now’s the time to make your dreams a reality! | 
