She Did It

11 years ago, during a run-of-the-mill youth group discussion, a young lady told me her dream was to be a stay-at-home mom one day. Her face lit up when she made this declaration; so confident, so excited. She was a gifted athlete who would eventually go on to play at the D-1 level in college, and then transition into a very successful young career in the professional world. All the while, though, her stay-at-home mom dream persisted.

Last week, I received a text message out of the blue: "Today was my last day of work!!! Tomorrow, I'll be officially working my dream job of full-time stay at home mom. YAY!"

So beautiful! I haven't had a chance to chat with her verbally yet, but I can't wait for that conversation. I'm so happy for her. I'm so excited for her. I'm so proud of her.

None of this was by accident, though. She didn't luck into it. Good fortune didn't strike her. She and her husband worked for it. They planned for it. They sacrificed for it. This has been the plan for so long, and now, they get to reap the rewards for all the discipline and dedication that led them to this moment. I'm so happy for this couple, these new parents, and this dream career my friend is about to pursue.

Our culture says it's not possible. Our culture says we're all victims of bad timing and tough economic conditions. Our culture says a single-income life is unattainable....especially for young people. Yet, dedicated, disciplined, and sacrificial couples are doing it all the time. It IS possible.....if we're willing to pay the price to make it happen.

I'm grateful my young friends are willing to pay this price, and they will undoubtedly thank their younger selves for bringing this dream to life.

Whatever your version of this is (whether being a stay-at-home parent or some other dream), do it. Don't let other people or our prevailing culture rob you of your hope, aspirations, and dreams. Fight for it. Stay persistent. Pay the price. Make it happen.

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Lessons From the GaGa Pit

I was recently talking to the kids about their second-grade recess activities. GaGa Ball is a fan favorite, a real grade school tried-and-true. Curious, I asked them if anyone in the class was particularly good. Both kids immediately blurted out, "Ezra!" Ezra, they tell me, dominates GaGa Ball.

I haven't spent meaningful time watching their class play GaGa, but this answer surprised me. I know the kids well enough to know who the athletes are (I’ve coached many of them), and Ezra doesn't live in the athlete cohort in my mind. What I know about Ezra is that he's a brilliant little guy. He's one of the most insightful and intelligent second-graders I know.....but I've never seen him play a sport before.

Now, I was extremely curious! "So, Ezra is the best?" "Yeah, Dad, he wins all the time!"

"What makes Ezra so good at GaGa Ball?"

"He does a really good job dodging the ball, and he lets everyone hit the ball out of bounds and get themselves out."

Ah, I love it. Ezra's secret weapon is to be smart, patient, and not try to do too much. It's not a glamorous approach, but in the opinion of my two kids, it makes him the best GaGa Ball player on the lot.

I think we could all learn something from Ezra. Be smart, be patient, and not try to do too much. If us adults would follow this strategy, it would save so many of us from the heartaches we cause ourselves.

Everyone seems to be out here swinging for the fences, trying to look good, seeking instant gratification, and chasing it. Meanwhile, the Ezras of the world are playing the long game, disregarding some perceived status others are trying to earn. He's not in the business of looking good or letting his emotions win over.....he's in the business of winning.

What if we handled our investments like Ezra? Smart, patient, not trying to do too much. Most people would have dramatically better returns if they would just stay the course and not try to time or outsmart the market.

What if we handled our spending like Ezra? Smart, patient, not trying to do too much. Most people would have far less debt, be much more measured, and spend primarily on things that align with their values.

What if we handled our careers like Ezra? Smart, patient, not trying to do too much. Most people would have far more contentment and would more confidently work their way up their respective ladders. They wouldn't feel the need to jump ship to the next shiny object, and would be far more willing to consistently put in the work to succeed.

I love this Ezra story. I told my kids that Ezra's strategy is something to learn from. We don't always have to be a hero. We don't always have to make the dramatic play. Sometimes, we need to be smart, patient, and not try to do too much. Well played, Ezra, well played!

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More Trapped Than Ever

I recently had the opportunity to meet up with an old friend. This friendship goes way back to our business school days. I remember our last semester of college when we each received offer letters from two different companies for the same dollar amount: $42,000 per year. I remember how we went out for a drink to celebrate. $42,000?!?! We thought we struck gold. Fast forward a few months, we were both working our respective jobs, and it did, in fact, feel like we struck gold. That felt like so much money to us formerly broke college kids.

20 years have passed since that moment. Today, we're a lot less single, our families have grown, and our black hair is a bit more gray. You know what else has changed? His income. In a recent conversation, he shared that his household income now exceeds $500,000 per year. A half million dollars! That's a far cry from the $42,000 he started making.

Here's where the story gets, er, "good." Knowing what I do for a living, he had a direct question for me (and graciously asked if I would write about it). While he's grateful for his current income, he and his wife struggle to make ends meet with this income. You heard that correctly. $500,000 per year doesn't seem like enough income to care for his family.

Let me re-frame this conversation. He once felt rich making $42,000 per year. Now, making $500,000 per year, he feels broke. Yes, inflation plays a role, but not as much as you'd think. Looking at historical inflation calculator, $42,000 in 2005 is worth approximately $69,000 today. $69,000 is still a mile away from $500,000. Well, it must be the fact he's married with kids. Sure, that plays a role, but an extra adult and a few small humans don't fill a $431,000 per year hole. What else could it be......?

I pointed out a few observations about his current life, such as:

• The mini-mansion he lives in.

• The three high-end cars in his garage (financed, of course).

• The country club he belongs to.

• The infinite spending on dining and entertainment.

• Countless extravagant trips (which get plastered onto social media)

• The massive pool in his backyard.

• The lake house.

• The two boats at said lake house.

His response: "Yeah, we're living our dream life! We have everything we've always wanted."

And yet, he's more trapped than ever. This is the American dream, turned nightmare. This is the path so many people are on. It feels good. It provides adrenaline. Dopamine flows like a river. It seems like a trophy collection of success. But at the end of the day, we're building our own cage, bar by bar.

You might think, "This guy sounds like a real idiot!" The truth is, he's absolutely brilliant. He's a respected leader, a pioneer of sorts. He's accomplished things many may never dream of. Unfortunately, though, he's cursed by being a human. We humans are flawed beings, and materialism is one of those many flaws. He found the world's way early in life, latched on, and never let go.

His mission, if he chooses to accept it, is to get out of the cage he's trapped in. Do you need a similar mission?

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Forced Reset

It’s the middle of the night. I’m still awake, writing this post on my phone, in a different state, sandwiched between two little sleeping boys in a much-too-small bed in a hotel room that I unexpectedly booked 10 minutes before checking in, just moments ago. If that doesn’t summarize my life, I’m not sure what does.

I’ve had a week. Some of the highest of highs, and the lowest of lows. I’ve served people, and I’ve been served. I’ve been on the giving end of generosity, and the receiving end. I’ve made some people really, really happy…..and others whatever the opposite of happy is.

My tank is simultaneously full and empty. I have a million ideas to write about, but also none. The mind feels crowded, but also empty.

I have so many stories to share, ideas to present, and encouragement to foster. Yet, I don’t have the mental or emotional capacity to adequately share them with the vigor and thoughtfulness they deserve.

So, today, I think the idea on the table is about getting a reset. Despite my best efforts to prove otherwise, we can’t go 100mph for weeks on end and expect a healthy outcome.

I’m hoping to find a reset somewhere in my weekend…..hopefully today. I hope you do, too. I also hope you’re better at this than me. If not, I’m so sorry. Let’s try to improve on this together.

A forced reset is still a reset, so reset I will. Have a wonderful day, and I can’t wait to share more with you tomorrow…..when I’m not delirious.

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The Flourless Cake

Have you ever baked a cake? I've baked a few in my life, and fortunately, it was under the watchful eye of my mom. As a kid, I remember using her cookbook to determine the exact ingredients in the exact ratios. My favorite ingredient was the sugar, of course. After all, that's what made the cake actually taste good. If I had my way, I probably would have elected to replace the gross-tasting flour with even more sugar. If sugar is what makes it taste good, then why not let the sugar dominate!?!? Can you imagine how bad that all-sugar, no-flour cake would have tasted? It would have been a disaster.

During a recent conversation with a client, I asked both spouses what they wanted. They both shared a similar answer. In short, their objective in life was to retire as early as possible (late 40s or early 50s) and spend more time with family.

Curious about where this was going, I asked, "And what else?"

The husband looked confused, so he cleared the air: "Nothing else. We're just going to spend time with friends and family."

Wanting to be sure I understood, I asked one more follow-up: "But nothing else?"

"Nope, we're going to relax and just spend our time with friends and family. Travel, too.....probably with family"

Perhaps this is an unpopular opinion that will be met with a violent backlash, but this seems like a flourless cake. Relaxing and spending time with loved ones is the sugar. It tastes good! It's fun. It's enjoyable. It gives life flavor. But if all we're adding to the batter is sugar, like my childhood baking example above, that's going to be one disaster of a cake.

Work. Purpose. Impact. Service. These are the flour. They don't always taste as good as the sugar, but they are what make a cake a cake. They balance out the ingredients to create something beautiful.....something delicious.

Just as we shouldn't have a flourless cake, we also shouldn't have a sugarless cake. While it might come out of the oven actually looking like a cake, it probably tastes dull and bland. Nobody wants that cake, either! We gotta have the sugar, too!

Our obsession with and idolization of retirement is turning us into a bunch of flourless cakes. We glorify a life of leisure so much in our culture that we forget to add all the ingredients to the bowl in healthy ratios.

My goal isn't to turn an entire generation into a bunch of work-obsessed robots. Rather, I deeply desire for people to see the good in their work. Further, if people understood how much value work adds to their lives, they would quit racing to the finish line (i.e., retirement) and instead pursue work that actually matters to them. Lots of sugar for taste, a healthy amount of flour to give it body, in a ratio that makes it light and fluffy. That sounds like an absolutely delicious cake!

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Back Against the Wall

There's an interesting theme I've noticed over the years. I think about this often, and it was brought up to me by a friend yesterday. When successful business owners or entrepreneurs are interviewed about their origin stories, they don't usually say, "Yeah, life was pretty good, and I was really content where I was, but I threw it all in the trash so I could start over and significantly increase the stress and risk in my life."

Rather, it's usually something more along the lines of, "I lost my job, my girlfriend broke up with me, and I was living in a dump, so I figured, 'why not give it a shot?'" I might have exaggerated that a bit, but there's usually an inflection point of pain that precipitated the career move.

Why is that? Why is it that people who built something amazing didn't start until life punched them in the face? That's a rhetorical question, as I have my own theory: OK is the worst place to be. When we're OK, we're just good enough not to want to rock the boat of life. OK means we're probably not overly miserable, overly impoverished, or overly hungry for better.

I'd argue that OK robs us of a thirst for meaning. OK allows us to say, "It could be worse," and then take steps to prevent "worse" from happening. Sure, I might not be happy, but at least I'm not miserable! Thus, we hold on to "not miserable" like our life depends on it.

On the flip side, I'm watching person after person who experienced profound pain, loss, suffering, and uncertainty pursue a much different path. A scary path. An unknown path. A non-linear path. It's the hardest thing they've ever done, yet at the same time, they report it's the most meaningful they've ever lived.

It's also funny how this group of people wouldn't wish away their painful inflection points, as that would mean wiping their eventual decision to pivot in life. Looking back, the worst thing they ever experienced led to the best.

And all it took was for their backs to be put against the wall. I don't feel bad for people who were put in absolutely terrible gut-wrenching back-against-the-wall positions. I feel bad for the people who have experienced a lot of OK without the pain. Perhaps it's time some of us put our own backs against the wall and use it as an opportunity to live the life we're meant to live. I’m not saying everyone should turn their lives upside down and abandon their jobs, but for those of you silently suffering in the discontent of OK (you know who you are), I’m talking to you!

Whether you're OK, living in deep meaning, or have your back against the wall as we speak, keep fighting for it! It's worth it. I hope you have an amazing day!

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More Hunting, More Fishing

I'm not a big hunter or fisherman. It's never really been my thing, but living in the Midwest, it is for many of my friends. This is where today's story begins.

When I met with a newish client, heaviness was hanging in the air. You could cut the tension with a knife. Eventually, though, I couldn't let it linger any longer. Then, it came out. The husband was frustrated that they didn't have the resources for him to be more active with his passions: hunting and fishing. And by resources, I mean money and time.

I tried to play it cool, but I knew exactly where that conversation needed to go. In short, it wasn't that this couple lacked resources. Instead, they were allocating their resources to things that didn't matter to them. In a matter of minutes, I pointed to more than $2,200/month of expenditures that didn't seem consistent with who I knew them to be. Just one of those expenses was a $1,600/month truck payment. $1,600!!!

He didn't actually seem to care much about his truck, yet he was willfully paying what's practically a mortgage payment for the privilege of having it. He was initially defensive when I pointed out his behavioral misalignment. His words said he cared about a certain set of values, but his budget said he cared about a different set of values. Eventually, though, he saw it!

Very few of these expenses actually mattered to them, but these costs were absorbing a good chunk of their financial margin (making it feel impossible for him to invest in hunting and fishing). Not only that, but the husband would regularly work overtime to make enough income to pay all the bills.....thereby reducing the amount of time even available to invest in hunting and fishing.

With the wave of their magic wand (i.e., humility), they quickly unwound several of their financial commitments, including selling the truck with the ridiculous payment. Almost overnight, they were able to invest their time and money into things that actually mattered to them.....including the husband's love of hunting and fishing.

Always, always, always spend YOUR values. Please don't care what anyone else is doing. Find out what matters most to you, lean hard into that, and ignore all the other noise. Life is so much more fulfilling when we focus our resources where they matter most.

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Getting It Right, Not Being Right

TJ and I have had many intense Northern Vessel conversations over the past three weeks. We've faced (and continue to face) many challenges. All in all, though, these are good things. In just 2.5 years, we've already outpaced our year-seven projection. This is an amazing blessing, but that sort of blessing comes with many trials. TJ and I have an interesting relationship. I've been somewhat of a mentor figure to him over the years, which turned into a big brother / little brother type situation, turned best friends, as well as business partners. On top of that, in my new role as head of operations, I report to him as my boss. It can be tricky!

On this surface, this might seem like a recipe for disaster. That's a lot of landmines to maneuver. However, our dynamic works very well together. It's not due to luck. Rather, a few important dynamics make all the difference in the world. First, we both care deeply about the mission. Ultimately, even when we disagree, we're on the same team and have the organization's best interest in mind. The second, though, is the most important. It's a line in the sand he and I drew more than two years ago, and it's at the center of everything we do. In fact, TJ brought it up yesterday during a particularly intense conversation. 

Neither of us is in the business of being right…… we're in the business of getting it right. The best idea wins, period. This steadfast boundary changes everything. It's not about ego, one-upping the other, or winning a debate. The only thing that matters is getting to the best possible outcome, regardless of our path to get there. Sometimes, he's right. Sometimes, I'm right. Sometimes, neither of us is right. However, we usually get to the right place, and through our trust in one another to be in the business of getting it right, we end up in a far better place for it. 

In my opinion, this is the only mode to operate life. It can sometimes be humbling, even embarrassing, but everyone wins when the best outcome is reached. I see this in my coaching all the time! If one spouse is in the business of being right, the couple won't ultimately reach its potential. This dynamic is usually caused by arrogance, pride, or stubbornness. It's destructive to both the finances and the marriage. On the flip side, if both spouses are in the business of simply getting it right (regardless of who is more right), they will absolutely crush it. I've seen this play out over and over and over, spanning more than a decade with some couples. 

As you navigate your day, be in the business of getting it right, not being right. I promise it will change your life....and your relationships!

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Paying for Outcomes, Not Inputs

I saw the most wonderful TikTok video yesterday! The text on the screen said, "I paid this guy $500 to remove a tree, and it took him less than a minute....I think I overpaid." Behind the text was a video of an enormous crane tearing this massive stump, massive root system and all, out of the soil like it was a small weed. It was thoroughly impressive! The entire point of this video was to show how ripped off this person was because they paid $500 for a job that took just a few minutes.

This is where people get so twisted up. The prevailing thought process in our culture is that when we purchase something, whether a service or a product, we're paying for the cost of the physical inputs and/or the time that went into it. In reality, though, we're paying for an outcome.

In the video mentioned above, they weren't paying for the person's time, and they weren't paying for the cost of the equipment. They were paying for the desired outcome of no longer having that ugly tree stump in their yard. That's it. It doesn't matter how much the business's time or equipment costs. Is having a stump-free yard worth $500 to them? Yes or no? That's the only equation that matters.

I occasionally get the same thing in my coaching. All of my coaching is quoted on a flat-rate basis. The client shall get x number of meetings over y number of months, plus access to me between meetings, for $z. Once in a blue moon, a prospective client will ask me for a formal breakdown of my time (prep, meeting, follow-up hours, etc.). Why? They want to determine what my hourly rate is to determine if my price is fair. Problem: I'm not selling my time. I'm selling an outcome: impact….hopefully life-changing impact. Either a prospective client believes the impact I can make in their life is worth more than the fee I charge, or they don't. If they don't, they absolutely shouldn't hire me.

Coffee is another example. I recently had a friend tell me our Northern Vessel signature oat milk cold brew lattes are a ripoff at $6.50. "What are you putting in them, gold!?!?" Well, close, but no. Housemade cold brew concentrate, oat milk, and simple syrup. "And that costs you $6.50?!?!" People aren't actually paying for coffee, milk, and sugar. They are paying for an outcome. In this case, the desired outcome is an experience. It's the community, camaraderie, atmosphere, hospitality, memories, and, yes, a hopefully delicious drink experience. If this outcome is worth more than $6.50 to someone, they should consider buying one, but if not, they shouldn't!

Whether you're wearing your consumer hat or business hat, always remember this principle. We aren't paying for physical inputs or time.....we're paying for outcomes. Know what you're really selling, and sell it with confidence. Know what you're really buying, and buy it with confidence. What outcome are you trying to obtain? Does xyz product or service provide said outcome and cost less than the value this desired outcome adds to your life? If so, amazing!

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Gratitude, Always Gratitude

If you are a Christian reading this on Easter Sunday, I hope this is a wonderful day of celebration for you and your family. As I think about what this day means to me, it's quite clear: Gratitude, always gratitude. Gratitude for the most amazing gift that we could ever have been given. Gratitude for the life I'm blessed to live. Gratitude for the forgiveness I've received.

Gratitude is the only mode of operation we should have in life. Sure, we could easily point to all the junk, sorrow, and pain we've experienced in this life. We can call foul on all the terrible things that have happened to us. All of that would be fair, and well deserved. It's so easy to blame others, be a victim, and wallow in our own suffering. Oh, believe me, I've been there!

But gratitude is the only way. We can dwell on all the things we don't have......or we can be grateful for what we do have. You will NEVER have everything you want. You will NEVER feel like it's enough. You will NEVER end up where you want. However, everything you do have is something to be grateful for. Everything in front of us is a gift.

If gratitude is at the center of our lives, there's nothing that can knock us out of the game. Bad fortune, profound loss, and unjust circumstances are surely headed our way at some point in the future, but if we center our lives around gratitude, it will never be enough to take us down.

However you're celebrating Easter today, choose gratitude. Always gratitude. Happy Easter!

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Fear Is Not Our Friend

If there's one thing that's true, it's that fear is not our friend. Nothing good happens when we make decisions rooted in fear. This applies to every single aspect of our lives.

When we make investing decisions rooted in fear, we lose.

When we make business decisions rooted in fear, we lose.

When we make purchase decisions rooted in fear, we lose.

When we make career decisions rooted in fear, we lose.

When we make relationship decisions rooted in fear, we lose.

This was the theme of my work this week. We're living in weird times right now. Everyone is a bit stressed, a bit nervous, and a bit off-kilter. The consequence of this reality is that people are continually teetering on the edge of making fear-based decisions. And since nothing good happens when we make decisions rooted in fear, this is a critical inflection point for many.

Here's a little hack I find helpful on this journey. Whenever a decision is in front of me, I ask myself if fear is playing a role. Then, I try to be honest with myself. It's amazing how often fear plays a role, even when we don't think so. I regularly catch myself almost making fear-based decisions, and when I do, I'm able to take a step back, assess it for what it is, and then make a more rational decision without fear skewing me one way or another.

One of my roles in my coaching is to catch people when fear is creeping in. After all, it's easier for other people to spot our blind spots than it is to see our own. As such, consider bringing other people into the fold. Allow others who know you and care about you to help assess key decisions. It's amazing how much insight someone can have when they are on the outside looking in.

None of this seems tremendously profound today, and I'm not overly impressed by writing style or humor, but this just feels like the right message on the right day. Perhaps someone needs to hear this today. Have an amazing day!

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Tears Of

The last few days have been packed with financial coaching meetings. Lots of tears. Tears of loss, pain, suffering, sorrow, joy, achievement, regret, and celebration. Lots of tears for lots of reasons. There's a lot of life happening all around us. And yes, these were financial coaching meetings.

That's the thing about money. Money is NEVER about money. It's always about something bigger. Sure, we can make it about dollars and cents, black and white, smart and dumb, responsible and foolish, rich and poor. Most of the world views money that way, after all. However, doing so sells people short. People's lives are worth so much more than stacks of cash and materialistic possessions.

While I don't believe money is important, handling it well is. It's intertwined into every area of our lives. Our relationships, aspirations, careers, parenting, hobbies, passions, and daily lives. Thus, the tears. I might sit in a room with spreadsheets on a screen and number scribbled on a whiteboard, but we're not really talking about money. Money might come up, but it’s never really about the money. We're talking about the most important nuances of people's lives, which happen to, for better or worse, intersect with finances.

This is the tension with a meaning over money lifestyle. We can't put money on a pedestal and worship it above all else. Doing so is toxic, unhealthy, and unfulfilling. On the flip side, we can't irresponsibly disregard money altogether. Doing so is a surefire way to reap chaos and destruction in a life meant for meaning.

So what's the answer? In my opinion, we should endeavor to steward our resources well, postured in humility, contentment, and generosity, to live a life rich with meaning, purpose, and impact. Everything else is just noise.

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They ARE the Mission

I witnessed something as I walked out of a client meeting yesterday. I exited my client's office and began scurrying to a nearby coffee shop where I would urgently knock out a client project before my next meeting. However, I witnessed something that stopped me in my tracks. I saw a young man rummaging through a dumpster behind a building. It took about ten seconds to compute, but it appeared this person was looking for food. I reached into my pocket to see if I had any cash; I found a $20 bill! In an instant, I decided I should give this man my cash. Then, however, something else kicked in. I thought about how little time I had to finish my project before my next meeting would start, and decided to hurriedly proceed to my next destination instead of engaging with this man.

Then, about a half-block later, I realized the error of my ways. Crap, crap, crap! What was I doing?!?! My gut said that stopping to engage with this man would be a distraction from my mission. What a toxic and terrible thing to think. Rather, engaging with that man was THE mission. If I wake up each day with the intent of moving the needle and serving people around me, this man wasn't a distraction. He needed to be THE priority in this moment.

Knowing which direction he was walking, I decided to find him. I darted in the desired direction, hoping to spot him in the distance. I covered maybe eight blocks while looking, coming up empty-handed. As I was about to concede defeat, I spotted him in the distance. With a sense of urgency and determination, I hurried toward in his direction before losing him again. Once there, I offered him the $20 bill, and we had a brief chat. To say he was grateful would be a gross understatement. He was beyond excited.

We so often get in our own way. Even with the best intentions, we get distracted and overwhelmed by what's on our plate. We desire to help people, but when an opportunity to help presents itself, we turn it down so we can be available to help someone. Ironic, isn't it?

I almost blew it yesterday. It wouldn't have been the first time, unfortunately. I'm so grateful I had a second chance to do the right thing. I'm not always that lucky.

Whatever you do today, please don't miss the little opportunities to make a difference. They aren't distractions from the mission.....they ARE the mission.

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Stepping Up

Good morning to everyone……except for Grandpa Joe! Have you ever seen Willy Wonka and the Chocolate Factory? We watched it as a family last night, and as always, a classic! Hot take: Grandpa Joe is the worst movie character of all time.

As the movie unfolds and the characters are introduced, we discover that Charlie Bucket's family lives in poverty. His mom works at a laundromat, where she uses her single income to support Charlie and four bedridden grandparents in very tough living conditions. On the night this movie begins, Charlie is disappointed that dinner will be "cabbage water again." Not cabbage soup, but cabbage water. In another scene, Charlie gets his first paycheck from his new paper delivery route. He uses this financial windfall to purchase a delicious-looking loaf of bread for the family, which Grandpa Joe calls "a feast." At the same time, we find out that while the family barely has enough money to serve cabbage water, a portion of their resources is used to support Grandpa Joe's tobacco habit. Did I mention that Grandpa Joe and the other three grandparents have been bedridden for 20 years? 20 years!!!

Now, I'm not here to bash senior citizens or people who don't have the physical capacity to move about. I'm here to bash on what happens next. After Charlie miraculously and magically wins the fifth and final golden ticket to tour Willy Wonka's factory, he hesitantly invites Grandpa Joe to be his guest. Yes, the same Grandpa Joe who hasn't left his bed in two decades. And whataya know, two minutes later, Grandpa Joe is dancing around the living room like he's an energetic teenage boy.

The entire family has spent the last 20 years, and the entirety of Charlie's life, living in poverty. All the while, Grandpa Joe just needed something he cared enough about to spring from his bed and become productive. Providing for his in-need family didn't do the trick, so it's a bit disappointing that a one-day tour of a chocolate factory was what flipped his switch.

Yes, I realize it's just a movie. I know it's silly. I know it's not meant to be taken seriously. I love that movie so much! But Grandpa Joe always gets to me. We need to step up. All of us.

Day after day, I write and podcast about pursuing work that matters, aggressively chasing a meaningful life that's full of fulfillment, impact, and curiosity. I believe in all of that.....with every ounce of my being. At the same time, however, we also need to step up and take care of our families. Never do I suggest that we should abandon our responsibilities to provide and care for those who matter most by recklessly and irresponsibly living our lives.

We need to have both. Yes, we need to aggressively pursue that meaningful life, but at the same time, we must do what we need to do to put food on the table, a roof over our heads, and water in the pipes. The act of providing, even if through less-than-ideal work, is a meaningful endeavor. We ought not lose sight of that.

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Simple Is Not Easy

One of my friends reached out to me. He was frustrated with me and wanted to vent. He said he regularly reads the blog and listens to the podcast, and wants to call us out on something. In short, according to him, we mislead people when we tell them that living these meaning over money principles is easy.

I shared with him that, to my knowledge, I've never used the word "easy." He rebutted, insisting that one of my favorite words is "simple." Ah, yes, now we're getting somewhere! This is where the rubber meets the road. Living a meaningover money lifestyle is very, very simple, but there's nothing easy about it! In fact, I'd argue it's one of the hardest things in the world.

Simple does not mean easy. In the case of aggressively pursuing meaning, it's brutally difficult......sometimes feeling nearly impossible. But it's indeed simple. Here's a short list of meaning over money concepts that are both quite simple and tremendously difficult:

• Pursuing work that matters, even if it pays less than an alternative, less meaningful job option.

• Getting out of debt and staying out of debt.

• Intentionally NOT keeping up with the Joneses.

• Living on a budget, but not being afraid to spend on things that truly add value to your life.

• Leaning hard into generosity.

• Cease caring about what others think.

• Practicing delayed gratification by saving for future needs.

• Patiently investing in the broad U.S. stock market and NOT making adjustments/changes when times get weird (such as now!).

• Focusing on building impact instead of building wealth.

All simple. All extraordinarily difficult. Simple is not easy. Whenever I meet with a potential client, I promise them three things if they decide to pursue this counter-cultural way of living: 1) It's so simple, 2) it's so hard, and 3) it will be worth it far more than they will ever know.

I make those three promises to you as well! Simple is not easy. In fact, it might be the hardest thing you try to do. However, it will most certainly be a beautiful journey.

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Pushing Through the Pain

My son Pax ran his first 5K this weekend. He carried himself with a combination of excitement and anxiousness in the days leading up to the race. More than anything, he just didn't know what to expect. But as we were mere moments from beginning the race, he was beyond excited.

I told him I would stay by his side every minute of the race. He would set the pace, and I'd stick with him. The opening moments were fantastic.....which lasted all of a half mile. Then, things turned south quickly. I'm not sure he had ever ran more than a half mile in his life, so I was expecting 3.1 miles to break him......and break him it did! His legs hurt. His foot hurt. His lungs hurt. He was facing physical, mental, and emotional demons. He wanted to quit. It was too hard. He wasn't good enough. He wasn't strong enough. He didn't belong there. The self-talk was crushing. There was crying. There was yelling. There was the innocent 8-year-old kid's version of swearing.

My goal was to push him hard enough to step up to the challenge, but not so hard that he'd snap. I would pick out a landmark in the distance and say, "Alright, man, we're going to jog from here to that yellow sign, then we'll walk again. Let's push through the pain." He'd say no a few times, then relent. Then, we'd repeat that cycle all over again.

As we turned the final corner and approached the last tenth of a mile, we could see the finish line. "Pax, I want you to sprint to the finish line with everything you got. Don't leave any gas left in the tank. Just go for it!" And he did! He took off and gave it everything he had. He collapsed to the ground as soon as he crossed the finish line. I couldn't tell if he was happy, sad, angry, or some other emotion. Ultimately, I realized he was just really dang proud of himself. He did something he didn't think was possible. He pushed through the pain, and that was a grander award than any medal he could have received.

Pushing through the pain is one of life's greatest lessons. Success isn't accomplished in the absence of pain. Rather, it's something that happens amidst, in, and through the pain. Pain is inevitable, but it's what we do with the pain that dictates our fate.

This applies to 5Ks, money, work, entrepreneurship, relationships.....everything! Please don't avoid pain. Don't run away from it. Don't hide from it. Pain isn't something to be avoided. It's something to be confronted head-on. When we do, we grow. We win. We prove to ourselves that we can (and should) do things that matter.

I don't know if Pax will ever run a 5K again, but I'm 100% certain he just learned a valuable lesson that will carry with him for decades to come. Push through the pain!

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Everything Is Connected to Everything

"I don't get how you do that!" exclaimed a friend. This is a sentiment I hear often, about lots of topics, from lots of different people. In people's defense, when I live such a public life (with the blog and podcast), it's not a surprise that it results in many questions and conversations. I never take offense when people want to discuss one of these topics; it's actually an intended consequence of broaching such topics with readers and listeners. I want to open a dialogue!

Back to my friend. "I don't get how you do that!" I often get this type of comment about a myriad of topics:

• Leaving an amazing career (and my family taking a 90% pay cut doing so).

• The new and unique career I’ve created.

• Living with zero debt

• Sarah staying home and spending her time volunteering.

• The family trips.

• Publishing 365 blogs and 104 podcast episodes per year.

• The frequent international travel.

• The sharp bend toward generosity.

• The fun little 350Z.

• Saying "yes" to odd opportunities.

"I don't get how you do that!" My friend was confused. In his opinion, I live a weird life. I get that word a lot. "Weird." I never take that personally, and in fact, it's become somewhat of a badge of honor.

I immediately asked my friend: "How much do you spend per month on your house and car payments combined." He thought for a moment, doing the mental math. "Maybe a little more than $5,000. I think $5,200. What does that have to do with anything?" I told him my house and car payments combine for $1,700 per month. Now he looked confused.

Next question: "How much more do you spend on other debt payments?" Again, he took a moment to think through some numbers. "Maybe a thousand or so." I told him we had none, and he looked skeptical.

We live in the same town, not far from one another. Our kids are a similar age. We do similar activities and attend similar events. Our lives are not all that different.....except they are. His house, cars, and consumer debt cost his family $6,200/month, whereas ours cost us $1,700. We might as well live on different planets.

I shared my philosophy with him: "Everything is connected to everything." Components in our lives don't live in a vacuum. Every decision has consequences, which create new decisions, which create new consequences. I admit that our family's life is quite weird, but that's intentional. When everything is connected to everything, it allows us to string together decisions that have a ripple effect on our journey.

When we live the world's way, it creates a ripple effect of living the world's way. It's a predictable and linear path. I'm not saying that's a bad thing, but it is what it is.

On the flip side, living in a weird way creates a ripple effect of living a weird way. It's a shockingly unpredictable path, and it creates as many weird opportunities as it does uncertainty.

Everything is connected to everything, and that's a good thing. To me, it means we have more control of our journey than we often like to believe. If that's true, don't be afraid to seize control.....and maybe live a little weird.

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Those Evil One-Percenters

You know who's really evil? It's those rich, greedy 1%'ers. You know, the people who make too much money. Those people! They need to pay their fair share and be more generous. After all, they have enough....more than enough. Don't even start on how out of touch they are with the real world and what other people are going through.

Don't these 1%'ers just drive you nuts?!? You'd think they would act a bit more grateful for what they have. Instead, they always seem so entitled and disconnected from the plight of the others.

Don't even get me started on their giving (or lack thereof). Instead of giving to those in need, they buy newer cars, moreTVs, faster phones, better vacations, and bigger houses.

I had several more paragraphs of anti-rich ranting to go, but there's just one problem. It's so easy to point the finger at others when we can perceive them a certain way. We have the privilege of judging them from our safe little perch of morality and relativism.

Unfortunately, we're looking through the wrong lens. It's easy to look through the lens of our own choosing. Doing so allows us to justify our attitude, judgment, and inaction. Here's the real, sobering, hard-to-swallow truth: If your household makes more than $40,000 USD each year, you're in the top 1% of families in the world. Do you make more than forty grand? If so, you're a 1%'er.

Let that sink in. Ouch. We're rich. Clean water, electricity, heat, A/C, education, medicine, cars, Tvs, cell phones, internet, refrigeration, three meals per day. We're very, very rich. It doesn't seem like it because we live in our own bubbles surrounded by people richer than our version of rich, but we're so unbelievably blessed. As such, there are really only three rational implications of this reality:

• We should live with gratitude.

• We should live with contentment.

• We should live with generosity.

Anything short of this takes us down the road of becoming real-life versions of those rich people we so harshly (and unfairly) judge.

I hope you have a blessed day.

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Tsunami or Drizzle

One of my clients has a storm approaching. They have two normal incomes and a small child. One spouse is about to lose their job, and the family will soon experience a 50% decrease in its take-home income. Talk about scary!!

Here's the thing about storms. It's not a matter of if a storm is coming, but when. That's what life promises us, and man, life sure does deliver! So, since we know a storm is coming, the next question is how bad said storm will be.

While this couple hasn't been together all that long, both spouses have spent the last 10 years of their lives setting the foundation for where they are now. Sure, I've helped them in their journey, but they had already done so many amazing things before I arrived on the scene. Here's a quick summary:

• No debt (this is huge!)

• Below-average housing costs

• Sizable taxable investment account (game-changer!)

• Conservative lifestyle

• Prioritization of family over stuff and status

• They live life with a posture of contentment and generosity

They've been nervous about the oncoming storm......as they should be! It's absolutely terrifying. We recently took inventory of their situation and worked through their new reality budget. We titled it, "Oh crap!" In it, we discerned what categories needed to be cut or decreased once the storm hits.

When we got to the bottom, they were met with a shocking discovery. After losing half of their income and making whatever cuts they could, the net result was only a $600 monthly budget shortfall. Combine this with the nice taxable investment account available to help them weather the storm, they are in amazing shape! Instead of the impending storm looking like a destructive tsunami, it will more closely resemble a slight drizzle.

Instantly, I could see relief in their eyes. What started as fear turned into confidence. All the hard work they've put into this over the years is about to culminate soon, and they are so grateful for the situation they've put themselves in.

The question isn't whether or not a storm is coming.....it is! The question for you today is what that storm looks like. Will it be a destructive tsunami that will potentially wipe you off the map? Or will it be a slight drizzle that you can confidently navigate? Perhaps today is a great day to start preparing for the storm.

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The Kids Don’t Care

I recently spent time with a couple who are struggling. Both spouses have great jobs, and their combined income is much higher than the average family's. However, they are stressed, burned out, and frustrated with life. Between their jobs and other commitments, they barely have time for their kids. By the time they all get home at night and eat dinner, they're lucky to have 30 minutes with the kids before bedtime. They feel like spectators in their own lives, watching their kids being raised by other people.

I mostly listened, taking it all in. It pained me to hear how discontent they are with their lives. The part about rarely seeing their kids was especially brutal. Then, I asked what seemed like an obvious question to me: "Well, why do you do it?"

"Our kids deserve a good life."

In their opinion, all of this hard work, long hours, stressful weeks, and the amazing income it all provides was worth it because it allowed them to provide their kids with a high standard of living which they "deserved.". This family is checking all the boxes: the house, the cars, the clothes, the trips, the activities, the clubs. Their kids are livin' the life!

My response: "The kids don't care!"

This is a hard pill for most parents to swallow, but the kids don't give a rip about any of it. We may think they do, and they may say things that lead us to believe they do, but they don't! What kids care about is having their parents present. A healthy household, engaging relationships, active discipline, a shoulder to lean on, someone to show them love, and the opportunity to make memories. They don't care about money, stuff, or status.

I've interviewed hundreds of people about their childhood. The feedback I've heard has ranged from "My childhood was a nightmare" to "I had the best childhood in the world." Do you know what doesn't factor into these opinions? Standard of living. Nobody says, "My childhood sucked because we were lower class," and nobody says, "My childhood was great because we were rich." Their standard of living and financial status always come up (because I ask), but there's practically zero correlation between money and childhood happiness.

There is one consistent theme, though. How present and engaged their parents were meant everything. Regardless of wealth or standard of living, kids who had present and engaging parents consistently reflect fondly on their childhoods. Translation: They don't care about money.

If what I just said is true, we parents have a choice to make. We can either continue down the road of "providing a good life," recognizing we're actually doing it for ourselves (and not our kids), or we can choose meaning over money and truly invest in our children. This is a tough pill to swallow for many, but one worth considering.

I'll end with the good news! No matter how much (or little) income you make or wealth you possess, you already have the tools to give your children everything they want!

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