Learning vs. Doing

I love learning! Reading books, watching YouTube videos, asking experts.....all of it. For me, there's nothing more beautiful than transitioning from ignorance to competence, from weakness to strength.

However, I'm witnessing a problem develop in our current culture. With unlimited resources at our disposal - often for low or no cost - we're becoming so fixated on learning that we're not actually doing.

We learn how to do something, then learn more about how to do it, then maybe learn a little bit more about how to do it better......and never actually do it. I watch people read six books on a subject, but never put into practice the ideas or concepts they learned.

At some point, it needs to move from our brains to our hands and feet. Knowledge does no good if it's not put into practice. Ignorant action is always more productive than expert inaction.

This is why all the talking heads bother me so much. It's easy to spout off about how people should do this or do that, but where is the fruit? Are they walking the walk, or just talking the talk?

I'm all about educating ourselves and committing to learning new skills and ideas, but my bigger focus is action. Oh yeah, and sometimes failure through doing is the best lesson we can receive. The real world is the ultimate classroom.

My encouragement today is to do. Yes, educate yourself. Digest material, listen to experts, and seek out development......but do! Whatever that thing is in your world today, take action. Even if you're not ready, fully educated, or well-equipped, just do. Put one foot in front of the other and give it your best shot. Trial by fire is a wonderful teacher.

As for me, I have two projects on my plate today that I'm absolutely not equipped to tackle. I'm nervous. I'll probably fail. I'm most certainly going to get frustrated with myself. I'll definitely be seeking research and education on a few nuances along the way. But I'll be doing. One way or another, I'm moving forward. And no matter what happens, I'll be better for it.

I wish you the same today! Have an awesome day!

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Too Too Much of a Good Thing

Yesterday was a fun day. We had the opportunity to spend some time in the sun at a phenomenal little resort right along the ocean. It was absolutely beautiful. Unfortunately, it ended up being too much of a good thing….or maybe too too much. With some combination of sun sickness and food poisoning, I spent the last 18 hours with some of the worst sicknesses imaginable. I'll save you the gory details, but my favorite part was the horrid hallucinations.

That's why you're receiving this post later than usual, as I have been at death's doorstep until this very moment.

Yesterday was a very harsh reminder that too much of a good thing is never a good thing. The sun was amazing, but seven hours of constant sunlight while hanging right next to the Equator is not a good thing. I got punished for my overzealousness.

The same goes for nearly every area of life: Money, stuff, status, relationships, food, vacation. For each of these, there's enough. The amount that will add value to your life, retain a healthy balance, and live a quality life. Then, there's too much of a good thing. Once we cross that line into too much territory, these things no longer benefit us, but start deteriorating us.

The trouble is it's sometimes difficult to recognize when we've crossed that line. The worst thing we can do is anchor ourselves to what other people are doing, as I did yesterday. When we use others as the point of comparison, we're likely to inadvertently jump off the cliff because we followed them right off. Just because others were getting seven hours of straight Equator-level sunshine, it doesn't mean I should be. Similarly, just because your peers are buying monster houses, fancy new cars, and funding a lifestyle that should only be reserved for a multi-millionaire, it doesn't mean you have to. Don't anchor yourself to others.

Instead, we need to decide what's enough. What's enough sun? What's enough house? What's enough car? What's enough lifestyle? If we make this conscious decision, we can live a healthier and more fulfilling life.

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Oh, I Have Landmines!

Yesterday's post landed hard with many, but one particular response triggered today's piece. "Travis, how did you manage to avoid all the landmines?" It never occurred to me that some people think I speak from a position of having lived a stellar and unblemished financial life. It reminds me that I need to share my early adulthood story again soon. There are so many new readers who don't yet know about my brutal failings. 

Today, I want to share the story of one of my landmines. Surprise, it involves a car! Heading into college, I drove a 13-year-old Honda Civic (with old-school flip-up headlights). I paid $2,000 for that car, and it was shockingly reliable. It wasn't pretty, but it was mine and got the job done (it had a pretty sweet stereo, too!). 

However, before my second year of college, my parents suggested I upgrade my car to more reliably manage my 4-hour drives between home and college. I don't remember disagreeing with this idea, as I think a modest breeze would have pushed me over the edge to purchase a cooler car. Thus, the car shopping began. 

Almost any car would have been better than my existing car. At that point, it was probably worth $500-$1,000 and had a ton of miles on it. My options were unlimited! Wanna know what I landed on? I purchased a 2-year-old Acura Integra. Black with black leather, stick shift, fully loaded. It was so awesome! Oh yeah, and it cost $19,000. I don't think thatnumber does my stupidity justice. Adjusting for inflation, that's the equivalent of an 19-year-old buying a $40,000 car today. Wow, just wow. I, of course, didn't have the money for this purchase…..I was a broke college kid with little cash. That's the moment the destructive debt cycle started to churn in my life. In making that purchase, I signed up for years of monthly payments that I needed to make via an on-campus job. I was going to work anyway, but in hindsight, there were lots of things I would rather have spent that money on. 

That single decision set the table for what would eventually be dozens of terrible decisions....more landmines. After all, stepping on one landmine makes us more susceptible to stepping on another. 

The question to answer today is how to reverse the landmine cycle. Here's what I did:

• First, realize you stepped on one. We can't fix what don't know is broken. It took me years to realize I screwed up…..but better late than never. 

• Second, commit to avoiding these types of future landmines at all costs. For me, that meant deciding I would NEVER use debt to buy a car again....ever.

• Third, we must pay the price to actually heal the damage. In my case, that meant paying off the car and subsequently saving up cash to eventually buy a different vehicle. Further, I needed to humble myself and eventually downgrade cars. The following car I bought was a $10,000 Honda Accord….with cash. 

That entire mess took 8 years to clean up, but it's a landmine I will never step on again. It's ok if you've screwed up, but it's time to clean up the mess and move on. Trust me, it's beautiful on the other side.

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Stepping On Landmines

I had a tremendously fun talk in Los Angeles last night. It was a great opportunity to reconnect with old friends and meet some new ones. I had some wonderful chats with people before and after the event, plus some great Q&A immediately following my talk. A common thread was woven into so many of these stories, which is a similar thread I experience in my day-to-day talking with people about money. Every story about financial pain, struggle, or failure starts with a singular moment where the person made a mistake or experienced a misfortune. I call it stepping on landmines.

Here's an example. A buddy shared the story about how he's in a really tough financial situation. He started with his present, then worked his way backward. The story culminates at the beginning, where he steps on his first landmine. He purchased a car he couldn't afford with a monthly payment nobody should afford. That was a landmine. That singular decision set up and set off a chain reaction that spiraled him to where he currently sits.

Story after story after story, each being triggered by the first landmine. The problem with landmines is that once we step on one, it becomes easier and more likely we'll step on another. After all, we don't make the best decisions under duress.

We obviously can't go back and unstep on our own landmines. I have many I wish I could undo. If we can't necessarily unwind our past landmines, what's the point? I have two points on this.

First, simply being aware of this phenomenon will allow us to be vigilant when the NEXT landmine approaches. We don't have to step on it. Instead, we can have the spatial awareness that we're nearing a landmine, but this time, sidestep it. Doing so frees us from the potential consequences, including the increased susceptibility of stepping on another. Just a few key decisions like this have the potential to radically shift our lives forever.

Second, we can help others around us avoid their own. In addition to the landmine stories, I shared some beautiful conversations with other people yesterday. These are people I care about deeply. With whatever insight and influence I had to offer, I was able to shine a light on a few upcoming landmines in their lives. It would be so wonderful if they were able to avoid them. If one thing I said helps one person take a different path, it was a monumental day. That's the opportunity each one of us has today. If we can help one person avoid one landmine, we've changed their world....possibly forever.

I hope you find that encouraging today, because I sure do! Have a great day!

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Would You Take Their Advice?

Receiving criticism has become a full-time endeavor for me. I used to hate it, but it's grown on me in the past several years. First, the act of being criticized means you're doing something. It's easy to avoid criticism by simply doing nothing. Second, I've learned that receiving criticism is a natural byproduct of giving opinions, and when you provide opinions publicly (blog, podcast, speaking, etc.), you are sure to receive criticisms publicly.

One of my clients recently started to receive quite a bit of criticism.....I mean a lot! First, it means he is doing something. He's trying to move the needle in an area he strongly believes in. Second, since he's doing said work in the public eye, he will inevitably face public criticism.

During a recent meeting, he asked, "How do you do it? Just take all the criticism that comes your way? Does it make you want to give up?"

That's when I shared with him a golden piece of advice I once received from a 16-year-old youth group kid several years ago. It was a typical night at youth group, and each of us was sharing one highlight and one lowlight from the week ("Wows and Pows"). One of mine was that something I said on Twitter triggered hundreds of angry and hateful comments. I felt down. I felt defeated.

That's when my young friend jumped in. "Would you take their advice?"

"Who?"

"The people who are saying hateful things to you. Would you take advice from them?"

"No, of course not!"

"Well, if you wouldn't take their advice, you can't take their criticism."

Boom! Just like that, this young woman disarmed all my insecurity. She was right. If I wouldn't take advice from the people levying all that criticism on me, why should I care about their negative comments? That paradigm shift has changed everything for me!

If someone criticizes my personal financial decisions or advice, I ask myself if I'd take financial advice from them. Do I want my finances to look more or less like theirs?

If someone criticizes my business decisions, I ask myself if I'd take business advice from them. Do I want my business to look more or less like theirs? Heck, do they even have a business?

If someone criticizes my parenting, I ask myself if I'd take parenting advice from them. Do I want my kids to be more or less like theirs? Often, it's people that don't even have kids!

Some of you need to hear this today. Others may not need it today, but be sure to stick this one in your back pocket; the criticism is coming! Anything worth doing will result in criticism. Buckle up and enjoy the ride!

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Snowballing Behaviors

As I recently discussed HERE and HERE, I've been a big fan of my new walking pad. Practically overnight, I quadrupled the number of steps I get each day (up to nearly 13,000 per day over the past five weeks). In the paradigm of what gets measured gets done, this endeavor has been a massive success.

There's another phenomenon at play here, too. Behaviors often snowball. When we change one behavior, others typically follow. Here's what that looks like in my little walking pad world:

• After enjoying Sarah's walking pad so much, I purchased a second one for my home office (along with a desk to go with it).

• One of my buddies asked if I use a biometric scale to track my body composition. I didn't, but I immediately purchased the scale he recommended. I now collect daily data.

• Since I know I'm collecting daily data, I feel more accountable for the decisions I make throughout my day (including my diet).

• Since I'm trying to make better decisions, I dusted off my home gym and have now gotten back into regular lifting.

All because Sarah purchased a silly little walking pad, and I decided to hop on for a few minutes. Behaviors snowball, and I'm really glad I started gaining momentum on these particular behaviors.

Money is much the same way. My goal isn't to get my clients to adopt dozens of well-planned behaviors. Instead, my focus is to help them create a healthy rhythm with just one or two, then trust the snowballing will happen. Budgeting is a perfect example. Once someone starts budgeting:

• They realize they spend money on things they really don't care about. Thus, spending behaviors change.

• Once they realize they aren't a victim of their finances and can regain control of what happens with their money, they get emboldened to pay off debt. Thus, they 10x their aggression toward getting debt-free.

• Paying off debt shows them they can do anything they put their mind to, including saving. Thus, saving momentum improves.

• Once they realize they can dial up their saving momentum, they start believing they can attain things they value. Thus, they prioritize and give themselves permission to spend on things that add value to their life.

• As they gain more insight into their money behaviors, they notice they aren't giving nearly as much as they would like. Thus, it creates an intentional bend toward generosity.

• As they gain better control and momentum in their finances, they realize they aren't beholden to their jobs. Thus, they give themselves permission to pursue work that matters (if they aren't already in it).

• Once they've fully come to terms with the fact that there is a better way to handle and perceive money than society taught them, they aspire to help their kids do it differently and avoid the painful mistakes they've made. Thus, the next generation is transformed.

All because they decided to work a few small financial habits into their lives. This stuff is powerful. Let your (good) behaviors snowball. It might just change everything.

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What’s the Worst That Could Happen?

One of my friends has a unique business idea. Another friend is interested in starting a non-profit. A third friend wants to write a book. A fourth desires to publish music. All four are stuck, paralyzed with fear. Fear of what? Failure. All four are scared of falling flat on their face, getting embarrassed, or feeling like losers. Thus, there's a very real chance they perpetually hold onto their ideas and eventually take them to their graves.

Here's a question I posed to each of them: "What's the worst that could happen?" You know, the absolute worst-case, total destruction, end-of-the-world scenario. Dream big, but in the form of nightmares. Visualize how terrible and life-ending these what-if situations could be.

All four disappointed me. When pressed to provide the most atrocious endings possible, all they could muster was some version of "My pride would be hurt, and I'd have to do something different."

In actuality, there's no real long-lasting consequence for failure other than ego, pride, and self-esteem. If that's true, why not just go for it? Why carry the regret of not doing something if there's so little downside? Why throw away the possibility of something great simply because there's a chance for something marginally bad to happen?

I come from the world of risk and reward. Understanding what could happen if things go right or when things go wrong, then making the best go/no-go decision with the information available. When it comes to our dreams, we're so quick to throw away the proverbial million-dollar reward because we're scared of the hundred-dollar risk.

So what if my friend's business fails. At least he'll know he gave it his best shot.

So what if my friend's non-profit doesn't survive. At least he'll have made an impact on people's lives.

So what if my friend's book sucks. At least she'll have worked through the process, possibly preparing her for the next opportunity.

So what if nobody listens to my friend's music. At least he will know he created something nobody can ever take away.

The upside in each of these is so high, but the downside so limited.

I know I'm going to fail at many things this year, some of them publicly. It will be embarrassing. It will bruise my ego. It will damage my pride. It might even cost me some money. But at least I'll know. At least I'll go to bed at night knowing I gave it my best shot. The worst-case scenarios are pretty lame. But the upside? Oh, the upside is so freaking cool!

If you're ever in doubt, play out the worst-case scenario. Dream big, but in nightmares. Challenge yourself to pinpoint just how bad it could get. My guess is it's not nearly as bad as you think, and if so, why not just go for it?

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Today is the Youngest Day of Your Life

I had the privilege of speaking to a youth group last night, and not just any youth group. It's the same youth group I participated in as a leader for ten years. I was invited to speak on the topic of integrating our faith with our finances. Overall, it went fantastic. The kids were engaged, interactive, showed me lots of love, and even laughed at my dumb jokes (pity laughs still count!).

We call this the “Junkyard pose.”

We covered topics including the behavioral science of money and happiness, the importance of being a good steward, avoiding debt, and finding a healthy balance between spending, saving, and giving. I hope it moved the needle. I hope someone's life was impacted by my talk. I hope a trajectory will be altered in some way. I hope my heart and insight landed well. I may never know for sure, but I'll trust....and have faith.

One of the adult leaders approached me afterward and said the magical line I hear more than any other: "I wish someone would have taught me this when I was 16. It would have saved me a lot of mistakes and regrets." Oh, so true! I wish I had that as well!

I have a bit of a bad news, good news situation. If you're 45 years old, I can't dump you into a DeLorean, speed up to 88 MPH, and take you back to your teenage years. It's too late. I can't go back, and you can't go back. We are where we are. Our past is our past, our mistakes are our mistakes, and our regrets are our regrets.

Now, it's time for the good news. Today is the youngest day of your life. You'll never be this young again. It's the youngest you'll ever be. Therefore, perhaps today is the day you make some changes. Pay off debt. Get on a budget. Start giving generously. Transition to the work you're called to. Start investing. Build an emergency fund. Save for that dream trip.

Here's what I don't want for you. I don't want the 85-year-old version of you to say, "I wish I would have done ____ when I was 45. I was so young then."

No, you might not be 16 anymore. Or 25. Or 30. But you are where you are, and it's the youngest you'll ever be. If that's true, you might as well get started now.

Happy youngest day of your life. Let's get started!

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Death, Taxes, and Jealousy

In yesterday's post, I talked about the prevalence and destruction of jealousy in our lives. If you have a pulse, you're either the culprit or victim of jealousy.....or both. I didn't offer any tangible takeaways in yesterday's post, partly due to my self-imposed word count limit (which I already breached the way it was) and partly because I didn't yet know where I wanted to take it.

I'm going to start with a little life hack. I can tell you with 100% certainty how to prevent people from acting like a jealous jerk around you. Ready for it? Don't do anything. Don't grow. Don't build. Don't progress. Don't thrive. Don't be productive. Staying where you are is a surefire way to prevent the jealousy bug from biting your friends, family, and co-workers.

In the absence of my brilliant little life hack, jealousy is inevitable. It's inevitable because jealousy rears its ugly head when, and only when, you surpass someone in a particular area. The woman in yesterday's post was a perfect example. She was the darling in other people's lives. They rooted for her. They encouraged her. They cheered her on. Then, she unexpectedly surpassed them. More money. More notoriety. More status. The moment she passed them, the jealousy bug bit.

Here's another sad reality. It doesn't matter how humble you are or how well you carry yourself; you cannot control the jealousy seeded in others. It is what it is, and that's what it is. If that's true, you have just one job: keep growing.

• Get out of debt.

• Improve your craft.

• Get more intentional with your finances.

• Build more stability.

• Invest in relationships.

• Pour out generosity.

• Start that new endeavor.

• Put your art into the world.

Do it all, but do it all with a posture of humility. Be above reproach in your behavior and attitude. Give people no reason to be jealous, knowing they will be anyway.

What about your own jealousy bug, though? Yeah, this part is tough. It's all fun and games when we want people to stop being jealous of us, but what should we think when someone else surpasses us? Well, we can definitely choose jealousy.....everyone else does, after all.

If I do my financial coaching job right, some of my clients will far surpass me. That's happened many times. Due to their circumstances, age, and trajectory, if they implement my ideas well, they will absolutely crush what I've accomplished. So what happens when I get a front-row seat to someone surpassing me? I feel nothing but joy for them. Why? The answer is my parting thought for the day.

Life is not a zero-sum game. Someone else winning does not mean that I'm losing. It doesn't have to be about winners and losers. Everyone can win. My friends, family, neighbors, and co-workers having good fortune or blessing in their lives does not negatively impact my life one bit. Therefore, there's no rational or loving feeling other than joy.

Feel joy for them. Take care of your own business. Repeat.

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Stacking Wins

We recently procured some office space for Northern Vessel, called NV HQ. It's not a great space, but it's our space.....and the vibe perfectly fits our personality as a brand. It will be a space for team meetings, strategy sessions, and creative workshops. It will also house our storage overflow, which has been facilitated via a few storage units. All in all, this is a massive development for us, and we're excited to have more room to be us.

I bring that up for one specific reason. When I first walked into the half-completed space, a giant mobile whiteboard was positioned against the wall. At the top were the words "Stacking Wins." I smiled, as this has become our recent motto for approaching business. As we reflected back on 2024, it was so easy to recall the crappy times:

• Getting hit by the second car in nine months.

• Closing down our canning operation (which was easily the worst business venture I've attempted in my life).

• Enduring a disastrous event that we put much time, energy, and resources into.

• Battling A/C issues at the shop during the scorching summer weeks.

• The list goes on.

It would be so easy for us to define our year by those memorable failings. However, that's only part of the story.....a very small part. As humans, we often dwell on the crap while taking the good for granted. The complete story of Northern Vessel in 2024 was a monumental win. If true, how do we combat our human nature to forget the good and dwell on the bad?

Stacking wins! As 2025 unfolds, we will use that whiteboard to document any and all wins. We're going to stack them visually for all of us to see, remember, celebrate, and embrace. We already have eight wins stacked on the board three weeks into the year. Some are small wins, and some are huge wins. Creating NV HQ is one of them!

Now, every time we feel beaten down by a recent whiff, we can look at our stacked wins and remind ourselves that we have much to be grateful for. I'll be implementing this in my personal life as well, and I invite you to do the same. Inventory your wins. Write them down. Stack them. Then, when life gets tough (because that's what life does), you can refer back to your stacked wins and realize you, too, have much to be grateful for.

2025 is the year of wins. Embrace them. Celebrate them. Remember them. Stack them.

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You Are Where You Are, And So Are They

Yesterday was a weird day in southern Mississippi. Due to the nasty storm heading in (snowy and cold), everything shut down. No school, businesses closed, and we had to shut down the dry ice factory because our CO2 supplier couldn't make deliveries. The world came to a screeching halt. I spent the day working from my hotel's lobby. 

For lunch, I walked across the street and enjoyed Cracker Barrel. I was the only one there, and my waitress was appalled they were even open. At dinner, I walked from restaurant to restaurant, greeted by each with a closed sign or drive-thru only sign. Even Wal-Mart was closed (Wal-Mart was closed!!!!). I eventually found refuge in a nearby Waffle House where the other patrons shared stories of today's "once-in-a lifetime" event. 

Wanna see what brought southern Mississippi to its knees?

Oh yeah, and the temp fell to 25 degrees. This isn't me poking fun at them; far from it. Many people I talked to said they hadn't seen snow in 15 years. Some grown adults had never seen snow until yesterday. Here's where I'm going with this. We are where we are. I am where I am. You are where you are. Regardless of what anyone thinks of it, it's the current reality. Southern Mississippi doesn't have the equipment, experience, infrastructure, or culture for this type of weather. On the flip side, I talked to my wife about how the wind chills at home were -25 degrees (NEGATIVE 25 degrees), and we wondered if the kids would have outdoor recess. However, my friend Kevin from northern Minnesota said it was -50 wind chill at his house, making our -25 feel like spring to him. It's all about context. We are where we are.

So many people like to cast judgment and condemnation on other people for their financial failings, shouting down at them to just do it right. Others, on the opposite end of the spectrum, feel defeated by finances. Money hasn't been their strong suit, and they have the scars and regrets to prove it. 

We are where we are. The goal shouldn't be to magically become perfect, nor expect people around you to be. Rather, we should get a little bit better this week, then do it again next week. Develop one new skill. Improve one habit. Create one strengthening process. If we think we should (and can) wave a magic wand and drastically improve all the aspects of getting our money right, we'll be sorely disappointed. But if we view it as an iterative process, a journey, we will absolutely get to a better place.

We are where we are…..today. Next week, next month, and next year we'll be somewhere else. And if we do the hard work, it'll be a better place. 

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Seriously, how is Wal-Mart closed?!?!

What Gets Measured, Part 2

Last week, I published a piece about the importance of measuring the things we want to accomplish. After all, "what gets measured gets done." I framed the post through the lens of my newfound discovery that I walk far less than I thought. So, when my wife purchased a walking pad, I decided to do something about it.

In the world of "what gets measured gets done," how we measure is where the rubber meets the road. If we can't find a simple and effective way to measure, we won't. And if we won't, ____ doesn't get accomplished. This is a crucial concept I discuss with my coaching clients. It's imperative to find easy ways to measure what needs to be measured. Anything else will result in inevitable failure.

In the case of my walking, I luckily have a world-class tool at my fingertips. In fact, we all do. The built-in Health app on the iPhone is an amazingly simple and powerful tool for measuring many different aspects of our lives. It's a bit scary, but this app has measured my walking for the better part of a decade. I can see the data in black and white.

Given how well the data is measured, it's created more clarity and motivation for me. I consciously think about my walking now. Instead of being completely passive and out of mind, it's at the forefront. This has resulted in some interesting (and intentional) behaviors:

• While waiting for my flight on Saturday afternoon, I paced back and forth through the terminal while on a Northern Vessel call with TJ.

• Knowing I'd be sitting behind a desk all day on Sunday, I got a few thousand steps on the hotel treadmill early in the morning.

• Since I did, in fact, sit behind a desk all day and didn't get to my new hotel until 10:30 PM that night, I still needed to rip out another 3,000 steps before bed. Unfortunately, the hotel's treadmill was broken. I improvised, pacing the hotel like a creepy stalker while talking to a friend on the phone.

What gets measured gets done! Want to see what that looks like for this silly little endeavor?

Boom! I went from 3,000 steps per day to 12,000 practically overnight. Part of why I've been preliminarily successful is the tool's strength. Look how clean and visual the data is. I'd be lying if I said it wasn't making a difference.

Finances are the same way. We need simple yet powerful tools. If you're looking to budget, EveryDollar Premium is hands down the best budgeting app on the market. I'm not Dave Ramsey fan (to put it lightly), but truth is truth. They created an ingenious tool, and it's 100% worth checking out. It must be the paid version, though. The free version, requiring manual entry, is brutal to use. This tool changes lives.

CapitalOne's 360 Performance Savings accounts are a fantastic tool to facilitate and track sinking funds.

CashApp is easily the best tool to house a single spending category, like personal spending, groceries, or dining out.

What gets measured gets done, and the right tools can be the make or break. What tools add value to your finances?

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But Not Yet

I was chatting with a close friend yesterday while I waited for my flight to take off. It was an innocent chat, but then, out of nowhere, my friend shared something I instantly knew would be today’s post. He was discussing a mutual friend. Our mutual friend is a fantastic guy with a heart of gold and excellent at his craft. He’s most certainly on a path to success in his professional and personal endeavors. The conversation revolved around how our common friend has a ton of big, awesome goals. One problem: He wants to achieve them all right now. Unfortunately, his urgency, impatience, and lack of focus will completely sabotage most, if not all, of these big goals. My friend on the other end of the phone concluded this little gem: “We can have almost anything we want in life, but not yet.” 

Short, punchy, profound, and so very true! Almost everything in life is possible, but not if we try to take shortcuts to get there….and not if we try to do them all at once. I’ll share a few real-life examples.

The first is one of my friends from college. He’s a smart dude with a healthy motor. Coming out of college, he believed he deserved to quickly achieve xyz title in his industry. Why? Because he was better than most people, and he deserved it. While I was 100% confident he could (and would) eventually get there, his approach and mindset concerned me. I encouraged him to simply do the work, pay his dues, and methodically work his way to where he wanted to be. He could get exactly what he was looking for, but not yet. Nope. He wanted what he wanted, and he wanted it now. In his pursuit of quick status (and the money that would accompany it), he frequently job-hopped, burned bridges, and greedily played the ladder-climbing game. Fast forward 20 years, and his career plateaued far lower than his original vision. So sad…..and so avoidable.

My second example is a friend with several simultaneous and conflicting wants. On one hand, he desperately wants to change careers and pursue work that matters. He also wants to buy a house. He also wants to upgrade his car. All three of these aspirations are possible, but not yet. If he prioritized them and focused on one at a time, he could achieve all three. However, in his impatience and haste, he’s creating a scenario where he’ll have none of them. I hope he alters his path, but I foresee a brutal end to this hasty endeavor. So sad…..and so avoidable. 

We can have almost anything we want in life, but not yet. We need to focus on what’s most important, have discipline, stay persistent, and be patient. When we do those things, we’ll absolutely get to where we’re trying to go.

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Ode to Reps

I recently appeared on a podcast, but it was a different kind of podcast. It was recorded just like a typical podcast, but at the same time, there was a live audience watching/listening. It was facilitated via Zoom, so I could see the attendees' faces while recording. Just one problem: Only five of the 150 scheduled attendees actually showed up. Therefore, I was doing a live virtual talk to an audience of five that would eventually become a podcast. Odd, I know.

Overall, I thought it went fantastic. On the heels of the event, the organizer reached out to thank me, apologize for the small turnout, and share a few thoughts. One particular comment struck me: "It was interesting watching you perform. Even though there were only a few people there, you gave off the same vibe as if there were 1,000 people in the room."

Good! That's exactly what I was hoping for. I'm a firm believer that every rep counts; we never know what impact we'll make. It reminds me of something I learned from being a youth group leader. If we hosted a big event and only a handful of kids showed up, that didn't mean it was a loss. Rather, it meant we could pour everything we had into those few kids. I loved that mentality!

I think this mindset carries into every aspect of life. Each repetition is an opportunity to give 100%, regardless of the circumstance. Further, giving 100% in the less assuming settings earns us the right to make an impact elsewhere.

It ALWAYS reminds me of my favorite music video, Ode To Sleep by Twenty One Pilots. If you haven't seen this video, and I'm 99% sure you haven't, please take a few minutes to experience it.

The video opens with Tyler and Josh performing in a small dingy room in front of just 12 people. What's most fascinating to me is that they are performing with the same energy one might exude in a large arena. They were going off.

The video transitions to a different show, 18 months later. This time, they are playing in a "dark, sweaty basement" in front of 300 people. Again, the same massive energy that doesn’t seem to match the audience size. They were going off.

Lastly, the video transitions one final time. This time, 18 months later, they are performing again. However, the audience has ballooned to 12,000 loyal fans. The moment the screen flips to HD and pans across the electric crowd still gives me chills. Again, the energy was off the charts. They were going off.

I can't get this music video out of my head. It has 26 million views, and I suspect half a million of them are just me. I so much appreciate their willingness to give 100% of themselves each repetition, whether 12 people or 12,000 people.

I don't know what you have going on today, but whatever it is, it deserves 100%. You never know the impact you'll make.

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What Gets Measured Gets Done

Last week, Sarah approached me with an idea. She wanted to buy a walking pad to get more walking in during the bleak winter months. Think of it as a baby treadmill compact enough to go anywhere in your house, and quickly get stored away between uses. It was $120, and since we had allocated $150 to our home furnishings category this month, we agreed to buy it on the spot.

Fast forward a week, and I'm the one loving it. Out of curiosity, I pulled up my step count in the Health app on my iPhone. My general assumption is that I probably walk about 8,000-10,000 steps daily. Needless to say, I was WAY off.

Since July, I averaged 4,800 steps per day. If you look at the image above, I've had many weeks where my daily averages were in the 2,000s and 3,000s. Yikes! As Michael Jordan famously said in The Last Dance, "And I took that personally." That's when I drew the line in the sand. From here on out, I will average 10,000+ daily steps every week. No excuses. It will be measured, and it will be accomplished. Look at the far right line on that graph.....boom! A 10,000+ average this week.

“What gets measured gets done.” This is a famous saying, though I have no idea who said it. I've had mentors and colleagues tell me this over the years, and I couldn't agree more. When we measure something, we're more likely to accomplish it. In my financial coaching world, clients must send me an updated net worth statement before each meeting. If I've met with a client 30 times, we'll have 30 data points, side-by-side-by-side. We measure everything!

If a client is trying to get out of debt, we'll track their paydown and payoff progress closely.

If a client is trying to stay on pace with their budget, we'll track how far off they were each month.

If a client is trying to get a better grip on their dining out spending, we'll precisely track how many times they go out to eat, how much each cost, and the running total.

If a client is trying to sell x widgets in their business, we'll set up tracking systems to measure the inputs and outputs of their mission.

One last one, and it applies to this blog. One of my missions is to provide a high-quality read, but in a condensed package: No more than 500 words per day. Therefore, I write each post using a tool that measures every word I type. If my post is 510 words, I must pare it down. Powerful and concise.

What gets measured gets done. This applies to nearly every aspect of lives. Whatever you're trying to accomplish this week, month, or year, measure it. Find a relevant way to record it, measure it, and track it. Put it visually in front of you. See it for what it is…..and what it could be. Then crush it!

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Happy Accidents

I know I'm not alone here, but as a kid, I'd spend hours staring at my standard-def TV watching Bob Ross work his magic. I had no artistic talent and no interest in painting, yet there was something soothing and enjoyable about his presence in my life. After a while, you'd learn his cadence, rhythms, and sayings. One such saying has always stuck with me: "We don't make mistakes. We have happy accidents."

On December 16th, I published what I thought was a killer post titled "Giving > Getting." I was extremely proud of that one, and hoped it would move the needle for people. However, much to my dismay, I realized I made a crucial mistake. While everything looked fine on the website, my e-mail distribution software apparently doesn't like the symbol ">." Instead of my subscribers receiving a post titled "Giving > Getting," it was titled "Giving #x3E; Getting." See, a brutal mistake!!!!

I spent the better part of a day lamenting how my stupidity in the execution prevented a beautiful piece from reaching its true potential.

Enter Bob Ross and his wisdom.

To this day, that blog post is easily the most-read thing I've ever published. It experienced a record-high open rate and was shared countless times. Why? I don't think it's a coincidence. I think the e-mail subject line "Giving #x3E; Getting" was just too weird not to open; a happy accident, so to speak.

If I'm honest with myself, much of what I've accomplished throughout my life is a product of happy accidents:

• If I hadn’t failed so badly in my original writing endeavors, I wouldn’t have lamented my frustrations to my friend and mentor, Gary Hoag. That’s the conversation that inspired what has now become this blog. A happy accident.

• If COVID hadn’t crushed Cole’s videography business momentum, he never would have called me to pitch what eventually became the Meaning Over Money Podcast. A happy accident.

• If TJ hadn’t failed in his first several iterations of Northern Vessel, and had his pending capital partners not flaked on him at the eleventh hour, Northern Vessel wouldn’t be what it is today (or if it had, I certainly wouldn’t be part of it). A happy accident.

• If my employer’s company hadn’t shut down during the Great Financial Crisis, and if my employer hadn’t given me an ultimatum to move to Iowa or join my friends in the unemployment line, and if I hadn’t been so deeply (and stupidly) in debt that I didn’t actually have any personal freedom to make choices, I never would have moved to Iowa, and my life as I know it simply wouldn’t exist. A happy accident.

Nothing goes as planned, I screw up every step of the way, and I never end up where I expect. Life is a series of happy accidents, and I'm down for it! Happy accidents, while frustrating in the moment, create beauty, richness, and unpredictability in an often mundane life. Savor them, don’t wish them away.

Embrace those happy accidents!

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The Myth of Making It

Someday, I'll "make it." Famous last words!

“Making it” means different things to different people. For some, it means getting out of debt. For others, it means becoming a millionaire. Some people want to attain xyz title at work. Maybe it means landing a certain client. Or driving a car with that specific emblem. Perhaps there's a particular revenue goal. Your kid goes to an Ivy League college. What if you finally land on the cover of a magazine? One day, you'll finally get that degree.

We love to put pins on the map of our future and definitively say that's the moment when we've "made it." Unfortunately, it's a lie. It's not a lie because these things can't happen.....they can. It's not a lie because they don't matter.....they do. It's a lie because every time we achieve something, we move the goalposts further out. If having a net worth of $1M is making it, the moment you get it, the new definition of "making it" becomes $2M, then $5M, then $10M, and so on.

Years ago, when Cole and I shared a dumpy little office, he had this amazing bottle of bourbon. It was a special edition bottle, signed by the band Slipknot. He would regularly talk about how, after "making it," we would pop the cork and enjoy that special bottle. Since that day, he and we have achieved far more than we had ever expected......yet, that bottle is still unopened. Why? Because every time he hit a milestone, a new milestone took its place.

Here's my point. There is no "making it." That's a myth. As humans, we'll quickly reset expectations as soon as we reach the goal. There is no magical point where our lives magically become perfect, or we achieve maximum success. Rather, it's about the journey. We should live with contentment, strive to get a bit better each day, celebrate all the wins (even the small ones), and find meaning in all of it. Oh yeah, and pop the cork on that bottle, Cole. You're never going to make it, but man, you're doing it.

My challenge for you today is to stop defining which hurdles you'll someday hit to "make it." I promise you, by the time you achieve them, you will have already moved the goal posts on yourself. If that's true, just keep moving forward, living with meaning, enjoying the journey. Oh yeah, and pop that cork.

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Repurpose It

As I was working with a small business owner yesterday, I experienced a full-circle moment. I was frantically drawing visual representations of a complex situation on the whiteboard. Adjacent, on the flat-panel monitor, was a mirror of my laptop screen, presenting a skeleton Excel model ready to come alive. That's when the full-circle moment hit me!

It took me back to a hot 130-degree day in Riyadh, Saudi Arabia. I was visiting a client when a peculiar question arose. It was a concept I was familiar with but hadn't fully vetted. Out of necessity, and with the insights of the client and my colleague, we hashed through the idea and eventually found the answer we were looking for. From a broader perspective, though, I learned a concept that day that would stick with me for years.

Fast forward several years, and I had "thrown away" my career and transitioned to an entirely new career. All that wisdom, knowledge, and momentum, more than 15 years worth, gone. I spent the better part of two decades learning, growing, and building, and then poof (!!!!), I threw it all away......

......except I didn't. Nothing in life is wasted. Everything we do, learn, and accomplish is the springboard to what's next. Rather than throwing it all away when I left that career, I repurposed it. Next thing I know, I'm taking those same concepts into meetings with my dry ice manufacturing client. Then, something else happened. In bringing my previous experience, skills, and insight to the table, I actually learned even more! Not only did I not waste it, but it was a springboard to get even better.

Fast forward a few more years to yesterday, and I was sitting in a conference room with a small business client. This same concept I learned in Saudi Arabia, then enhanced with a dry ice manufacturer, was being used again to serve a totally different type of business. Nothing is wasted!

This concept applies to everything! Every learning, every experience, every interaction, every skill, and every relationship leads to the next. If that's true, then I'd encourage you to never condemn yourself for the possibility of "throwing ____ away." That's a toxic mindset that cements us in our place, conceding that our present reality is our inevitable future.

If that hits home for you, I encourage you to challenge yourself. If there's something in your life you want to do but would require you to "throw away" whatever experience, relationships, skills, or accomplishments you've garnered to date, ask yourself if that's really true. If nothing is wasted, you aren't throwing anything away; you're repurposing it.

For me, this epiphany was a game-changer. It gave me the freedom and permission to expand the vision, dream bigger, and be willing to make counter-cultural shifts in my career and life. I dare you to try it.

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One, One, One

One of my friends dropped a pretty fun wisdom bomb on me yesterday. As we discussed the piece titled "Is this the year?" he shared a concept that stuck with me. He calls it the "one, one, one." Each year, he'll discern what he wants to focus on in the year to come. Focusing on too many things is never productive, so this is where his concept comes to life. He only focuses on:

• One new skill

• One new habit

• One new hobby

No more, no less.

First, the skill. Find a skill you don't yet possess, and endeavor to develop it through the year. It could be a skill related to your work, your desired work, or even something personal. Determine what steps need to be taken to progress. It doesn't matter how good you get, but rather focus on the act of moving forward.....period. If you start at 0% and end the year at 50%, that's still a win. It's about the journey, not the destination.

Next, habit. Figure out what habit would improve your life, then commit to injecting the necessary discipline, consistency, and willpower to manufacture a sustainable habit. This is more about grit and determination than knowledge, skill, or insight. The goal is that by the time the year is over, it's a locked-in given in your life.

Lastly, hobby. I love this one! Instead of continuing to fall into the exact same interests we've had for years (or decades), pick something foreign and just engage with it. This is actually the hardest one for me, as I rarely justify the time for hobbies.....and get stuck in my old interests. The goal isn't to find your newest love as much as it's about the openness to try. This new hobby might become your next passion, or not. And if not, perhaps it's the springboard to what does become THE thing.

While I didn't necessarily think about this broad one, one, one concept before today, I can see glimmers of it as I reflect on 2024. I developed two tangible skills during the year. The first was writing. Sure, I've been writing for much longer, and this blog existed for 12 months before the start of the year, but 2024 was the year I learned how to write. How to think, communicate, and engage. I also learned the art of teaching businesses how to dig deep into their margins and truly understand their operations at a meaningful level. Again, something I already knew, but 2024 took it to whole new levels.

For habits, I leaned hard into intermittent fasting (7PM-12PM). I've now been doing it for about 18 months, and I'm not going back. It's transformed my life and how I live it, and I'm grateful it's now part of my day-to-day life.

As I previously mentioned, hobbies are a hard one for me. I can't put my finger on any new hobbies in 2024, but I'll be thinking about it as 2025 unfolds.

One, one, one. Does this bring to life any ideas, thoughts, or goals?

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First, Stop the Bleeding

Debt continues to crush our society. Across the board, debt levels continue to rise. Record high credit card debt. Record high auto loan debt. Record high student loan debt. The pendulum has swung toward more debt.....and it's not swinging back. As I see this play out in the lives of families, I'm literally watching this debt erode people's lives from the inside-out. Constant tension. Marriages lost. Stuck in jobs. No saving for the future. Using more debt to keep the train on the track. Modeling bad behavior for kids. Watching the cycle repeat in the next generation.

Millions of families have conceded defeat, willingly subjecting themselves to the turmoil and suffering caused by this destructive cycle. Some, though, desperately want out. They recognize there is a better reality, a different way of living. They know it's possible, but despite best efforts, they can't seem to claw their way to the other side.

I always share three promises with anyone interested in getting out of debt:

1) It's really simple

2) It's really hard

3) It's worth it far more than you could ever imagine

For many, it seems like every time they make progress, regression pushes them back to where they started.....or worse. This is primarily because they failed to execute the initial and crucial step: First, stop the bleeding! Let's use an analogy. You're sitting in a canoe and notice a bunch of water at your feet. Concerned by this development, you start to shovel water out. But no matter how fast or how much you shovel, the water line keeps rising. It's because you didn't plug the hole. You didn't stop the bleeding.

This is why so many people struggle with debt. They try to pay it off without first stopping the bleeding. They keep their credit cards open. They're still willing to sign the dotted lines for more student loan debt. They're open to using debt for their next vehicle. I promise you, if debt is an option, it WILL be used. Even while paying off debt, you'll find yourself sabotaging yourself along the way.

Well, what's the alternative? If we truly want to get on the other side of the debt, we need to resolve to NEVER let debt be an option.....ever. No more car loans. No more student loans. Close the credit cards. Stop the bleeding! Draw a hard line in the sand and be stubbornly unwilling to cross it. Then, and only then, can we move the needle and finally get on the other side of debt like we deserve.

This is a very controversial and counter-cultural idea. I get it. I've been on both sides of this in my own life, and have coached hundreds of people through it in their journeys. Armed with that experience and insight, I promise you that not only is it possible, but it's amazing!

If this speaks to you, perhaps this needs to be a mission in 2025. Maybe someone in your life needs to hear this; encourage them! This is the year! Draw the line, cross it, never go back.

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