Carl Richards, a Las Vegas-based financial advisor and author, writes for the New York Times and has just created a new book, “The Behavior Gap: Simple Ways to Stop Doing Dumb Things With Money,” which comes out in January.

Richards’ book comes from some challenging personal experiences. After working as a top Merrill Lynch adviser, he took part in the American dream and bought a house too expensive for his means – as many people did.

As the financial meltdown and housing bubble hit Vegas and other sunbelt communities especially hard, Richards lost his home. But learned a few lessons along the way.

Read the story here.