Be Unreasonable

Last week, I attended some leadership meetings with my Texas client. On one of the days, we heard a presentation from a third-party consultant specializing in sales and culture. He brought up a point that struck me as interesting. He discussed how some organizations (especially the military) create their own language. Special terminology, new words, relevant acronyms, etc. The reasoning behind this has multiple layers:

• Using a shared language that everyone understands helps create clarity.

• It drives simplicity and efficiency.

• It helps people and teams lean into the mission at hand.

• It builds connections and relationships between the people who are in the know. 

As he was explaining this concept, I had one idea that kept popping up in my brain. It's a book called Unreasonable Hospitality. This book is the foundation for how we operate Northern Vessel. TJ, our founder, is the embodiment of this concept. He talks about the book constantly, and as a result, these concepts cloud every conversation we have (which is nearly daily). 

Now, the combination of these two ideas. I'm coining a new phrase and want you to be part of it. This is my formal invitation for you. Be unreasonable. Be unreasonable in the pursuit of meaning. Be unreasonable in the generosity we show others. Be unreasonable in our efforts to make a difference in someone's life. Be unreasonable in bucking the gravitational pull of our culture in exchange for something better. Be unreasonable. 

I'd like to think of myself as an unreasonable guy. Much of the time, I nail it. However, I've recently witnessed cracks in my unreasonableness. I'll call them deficiencies. But as I settle into this new phrase, Be Unreasonable, it will be at the forefront of each aspect of my life and business. I need to create unreasonableness in the areas I'm bleh.

I want to be unreasonable with you. If you spend part of each day reading this blog, just know I don't take that for granted. I feel a tremendous weight (in a good way) each day when I sit down to write. I deeply desire to give you something special. I want to provide you with a little 400-500 word gift that can make you smile, make you think, make you grow, and/or make you want to change this world. 

My challenge, if you choose to accept it, is to be unreasonable with people in your life. The act of being unreasonable will look different for everyone, but I encourage you to find yours. Have fun with it. Make people look at you cross-eyed. Make yourself into the weird one. Bend the culture, ever so slightly, with your circle of influence. Just be unreasonable. 

The Release Valve in Practice

In yesterday's post, I explained how meaningful work is a release valve to so much time and financial pressure. Instead of hoarding money and sucking up miserable work in pursuit of an earlier-the-better retirement, I propose that we ought to consider the pursuit of meaningful work. When we do, we don't feel pressured to race to the finish line. This provides for a more meaningful life and less pressure to hoard assets to create the escape hatch. 

A few readers reached out to ask questions about this concept. I admit, it's counter-cultural. I'm honored people would take the time to consider these wild ideas. A few people asked if I could give an example of the release valve in practice. Here's a real-life situation someone recently approached me with. I'll use round-ish numbers to make it more digestible:

• Age: 30

• Current Investments: $100,000

• Desired Retirement Age: 50

• Desired Retirement Income: $100,000/year in today's dollars

• Job Status: He's currently in a high-paying job that he despises. It's sucking the life out of him. Zapped energy, he's a jerk to his wife, and he travels a LOT. However, it pays a lot of money......

• The Situation: He desires to save as much money as possible, as quickly as possible, so he "only" has to do this for 20 more years.....tops. His question to me was how much money he needs to invest (er, hoard) to make that goal a reality. 

Here's the math. For him to retire at age 50 with an annual retirement income equal to $100,000 in today's dollars (using 3% inflation, a 9% return, and the 4% rule for withdrawals), he needs to invest approximately $5,900/month between age 30 and 50. In other words, he'll continue working a job he absolutely hates (but "only" for 20 more years), sock away nearly $6,000/month, and have little income left to actually live a life. 

He oddly seemed excited about this. However, I threw out a few alternatives. First, I shared the numbers for a more traditional retirement at age 60. To get the same $100,000 retirement income (in today's dollars), he would need to invest $2,700/month between age 30 and 60. That's less than half! He hated this idea. To him, it means he has to put up with a miserable job for 30 years instead of 20. Or, as he put it, "I'll never survive that."

Then, I showed him the release valve. I showed him what an age 70 retirement could look like. I caveated one point, though. It's not 40 years of misery.......rather, 40 years of meaning. In this scenario, he would need to invest $1,100/month from age 30 to 70 to get the same $100,000 annual income (in today's dollars). For one-fifth of the monthly cost, he can live a meaningful life, pursue work that matters, and have the cash flow flexibility to travel and make memories with his small children.

The verdict? Option #1: "20 years doesn't sound so bad. It will go by fast." Sadly, I think he's right. It will most certainly go by in the blink of an eye. 

The Release Valve of Meaningful Work

In a recent talk, I commented about how I don't believe in retirement. I could see faces in the audience shift in real-time. When we got to my favorite part of the talk, the Q&A, someone asked a question that delighted me. "Don't you ever want to actually enjoy your life?" This was a sharp and direct question. I could see many in the audience get uncomfortable, anticipating a potentially awkward exchange. Here's a paraphrasing of my answer:

• I'm enjoying my life today more than ever…..while working harder than I've ever worked. 

• Work should add value to our lives, not impair it. 

• If I ever get to the point where my work becomes a negative, it's time to find new work. 

• "Enjoying" life doesn't directly correlate to a life of leisure. They aren't one and the same.

• Speaking of leisure, it's important to periodically take time to rest, travel, and adventure. This should happen during our career, not held back until after it.

Here's the typical work-to-retirement path:

1. Find work that pays as much as possible (disregarding what fulfillment it could/should provide).

2. Hoard as much money as possible along the way.

3. Reach a certain level of hoarding success as quickly as possible (60 is better than 65, 55 is better than 60, 50 is better than 55, …….).

4. Quit work and finally try to enjoy life.

This path incentivizes us to cut back on spending as much as possible (so we can aggressively invest), while we endure a job we dislike or hate, so we can get out ASAP. In other words, live with a certain level of career and financial misery for as short a window as necessary.

Here's something to think about. Meaningful work is a release valve from misery. Instead of following the path above, here's an alternative strategy:

1. Always pursue meaningful work (even if it pays less).

2. Invest consistently over a long period of time. Since you have a longer investing window and compound, you can invest less along the way and dedicate those extra resources toward more fulfilling endeavors (giving, traveling, making memories, etc.).

3. Give yourself the freedom to downshift/upshift your career as life evolves, always ensuring it adds value to your life.

4. If/When your health/energy deteriorates, be financially prepared to care for yourself. 

In the first scenario, we spend much of our adult life in some form of dissatisfaction (ranging somewhere between tolerance and misery), hoard resources instead of putting them to better use, and hope that one day, living a life of leisure is the ticket to happiness. In the second scenario, we find and sustain a meaningful life with far less time and financial pressure on ourselves.

Do I ever want to actually enjoy my life? Yes, as a matter of fact, I do. I want to enjoy it today, tomorrow, and down the road. I deeply desire that and have committed my life to the continual pursuit of meaning and impact. I desire that for you, too. 

Finding Fulfillment in an Unfulfilling Job

I often think and talk about a staggering statistic from a Gallup survey. 70% of Americans dislike or hate their job. Think about that! If you put 10,000 people in a stadium, the odds are that 7,000 of them despise or merely tolerate their job. It's easy to dismiss that as not a big deal, but that's where we spend half our waking hours. That's sad!

My first advice for people who feel disengaged in their jobs is to find something different. I truly believe this. I think most people in the 70% camp could significantly improve their lives simply by changing jobs. There are many reasons why people feel this way, but in many cases, a change is needed. 

However, I'd like to take a different approach to this dilemma today. Many drivers of our dissatisfaction are external. A crappy boss, a toxic culture, a lack of impact, tasks that don't align with our skillset, a rough work environment, hours/shifts that drain you.....the list goes on. These are all valid reasons for job dissatisfaction. 

On the flip side, there are internal drivers causing us misery in our job. Or more accurately, there are internal drivers that prevent us from finding meaning in our work. Let's face it, some jobs just suck. I once worked in a cheese factory (*not a Cheesecake Factory). That job sucked. I also worked for the U.S. Census Bureau for the 2000 census. That job sucked even more (which will happen when multiple people pull guns on you). We've all had crappy jobs, and some of you are in one today. It's easy to just see these jobs as utterly terrible, but when we do, we sell ourselves short.

Regardless of where you're at or what you're doing, I think we all have the power to find fulfillment in a bad job. Our perspectives move the needle for us. If we believe everything is terrible, it is. If we believe there's good in something, there is. With that context, I'll share a few simple ways we can create fulfillment in an unfulfilling job:

• We use our time (and resulting income) to help propel ourselves to where we really want to be. It gives a dead-end situation a purpose.

• We embrace our relationships on the job. Even in the worst jobs, some of those relationships can be blessings.

• We focus on the impact we're making. Sure, the work might suck, but we still have an opportunity to serve others and make a difference. That matters!

• We use it as an opportunity to gain more experience, skills, and momentum.

• We get to use the income from the job to care for our family and move the financial needle in our lives. Our hard work is not in vain!

Yes, I think you should leave a job you tolerate or hate. I'll die on that hill. In the meantime, finding fulfillment in an otherwise unfulfilling situation is possible. Don't let the meaning slip away.

It’s Not Meaning OR Money

Last night, more than 100 million people tuned in to watch a bunch of grown men play a game. Further, these grown men get paid millions of dollars to play their game. They drive fast cars, wear stylish clothes, take exotic trips, and their faces are plastered on billboards and TV screens all around the country. We idolize these athletes, yet at the same time, label them as only caring about money.

I couldn't disagree more! Yes, they make ridiculous money. Brock Purday famously makes "only" $850,000 this season......which is almost nothing for an NFL player. Patrick Mahomes, on the other hand, is making $37 million this season. Yeah, these players make a ton of money that's hard for us normal people to comprehend.

However, I don't think it's as simple as pigeonholing them as caring only about the money. It's not either/or. This isn't about having meaning OR money. In the world of meaning over money, I'm not asking people to choose meaning or money. I'm just asking them to choose meaning. When we do, in many cases, the money will often follow. Why? Because when we put our gifts, talents, passions, blood, sweat, and tears into our craft, we can't help but have some level of financial success. These NFL players didn't get to where they are by caring about money. They got here because they are gifted and worked extremely hard every step of their career. Their career is full of meaning!

Don't just take my word for it. You can see it with your own eyes. Tears flowing down cheeks during the national anthem. Passion flowing from them, whether it's ultimate joy or livid anger. Players sacrificing their bodies for the fans and their teammates. There was so much intensity on that field last. Yes, there was a lot of money at play. But I would argue the passion was greater.

The same goes for us. We don't have to choose between meaning and money. We just need to choose meaning. The rest will take care of itself. We might not make $37 million like Patrick Mahomes, or even $850,000 like Brock Purdy, but we will find our own version of financial rewards. Whatever that number is, it's not the definition of your success.

Don't be afraid to earn and receive financial blessings. But at the same time, don't let them (or the lack thereof) define your success.

Lessons From Archie (Moonlight) Graham

Warning: This post is going to be abnormally vague for my writing. I typically try to operate with transparency and vulnerability. Today's post is a bit different. The heart behind it is completely vulnerable, but the actual idea will remain in the shadows. A few reasons: 1) I'm not ready to unveil it just yet, and 2) I want you to think about your journey, not mine.

Last night, I began embarking on a new, exciting, and terrifying journey. I'm beyond pumped for it, but it's excruciatingly uncomfortable. So much so that I didn't really sleep last night. Ideas, fears, and what-ifs were spinning around my head, and I couldn't turn it off. My anxiety and fear were in full force.

This is the tension with discomfort. Even when we know we need to do something, it's hard to follow through when the discomfort is evident. It reminds me of this scene from Field of Dreams.

Archie (Doc) Graham had one dream: get an at-bat in the big leagues. There's a lot to the story, but after hitchhiking his way to Dyersville, IA, to Ray Kinsella's farm-turned-ballfield, young Archie was living his dream. There he was, in full uniform, playing ball with some of the legends of the game. Then, the twist.

Ray's daughter Karin fell off the bleachers while eating a hot dog, causing her to choke and go unconscious. Sensing the panic, Archie turned his attention to the bleachers and jogged across the field toward the young girl. As he approached the edge of the field, he stopped. In that moment, Archie knew exactly what he needed to do. Simultaneously, he also knew how uncomfortable this moment was. He paused, and maybe even hesitated. You can cut the tension with a knife.

Then, after coming to terms with the discomfort, young Archie stepped across the line and into his destiny. He knew the sacrifice he was making by taking that step, but he also saw the bigger picture. What waited on the other side of his discomfort was something even better. He saved the young girl, and her feuding family. Despite giving up so much at that moment, you could see the peace and contentment in his eyes as he said his goodbyes and eventually disappeared into the outfield.

That movie gives my eyes allergies every time I watch it. It also holds sentimental value for me, as I lived just six miles from where it was filmed. I just wish I was old enough to have an awareness and appreciation for it back then. As we journey through life, we will encounter those Archie Graham moments. We'll walk right up to the line, then stop, because crossing it could possibly be one of the most uncomfortable and scary things we can do. It's ok to pause. Pausing doesn't define us. It's what we do after the pause that matters. Will you step across that line and into your destiny, or turn back?

I want to be like Archie.

Here to Serve

Inspiration comes from the darndest places. As I was sitting here contemplating what to share today, I received a text from my often-discussed corporate client in Texas. As usual, they have interesting developments brewing and like to bounce scenarios and questions off me for my input. Some of their questions require quick and simple answers, while others require many hours of detailed contemplation and analysis. This request was of the quick and simple variety.

I told them to respond with any follow-up questions they might have, as I'm just preparing today's blog and can help however needed. One of the gentlemen jokingly responded that I should "write about people who constantly ask you to do things that you have given them the tools to do themselves and how annoying that is."

That's precisely what I will do, but I will pull a 180 on him. There is nothing annoying about this exchange whatsoever. In fact, it's a privilege and an honor. The fact my insights and expertise are desired and valued is something I never take for granted. Further, the opportunity to add value to their decision-making and overall business is a tremendous blessing. No part of me is even remotely annoyed by this. I should be sending him a thank you card for allowing me the opportunity and blessing to serve him. I'm beyond grateful.

We are here to serve. Simply put, this is the base calling in our life. We can, of course, choose to ignore it, refuse it, or turn our back on it. From the moment we wake up until we go back to bed, our day is a never-ending string of serving opportunities. Our spouse, kids, co-workers, clients, customers, neighbors, and even strangers. Nearly every interaction in our life is an opportunity (or, dare I say, duty?) to serve others.

Think about the people in your life you're attracted to. No, not that kind of attraction. The kind of attracted that you want to be in their presence. The kind that makes you want to spend time with them. The kind that makes you want to be more like them. Chances are this person is a servant. Chances are one of the primary attributes that make you (and probably others) attracted to them is their willingness and heart to serve others.

I could most certainly wake up each day with the objective of getting what I want for myself. That option is on the table. In fact, I know a lot of people who live this way. This is just one man's opinion, but that feels like an empty-calorie type of life. It might taste good for a bit, but it's anything but satiating.

The posture of service, on the other hand, is an immensely fulfilling way to live. We might not always get what we want by continually serving others, but we actually get something better: meaning, impact, and purpose. That's the irony of service. We get fed by feeding others.

“Wow, That’s Embarrassing”

A young business owner recently reached out to me. He wanted to chat over coffee. Never turning someone down for a coffee, I immediately agreed. We talked about life, work, family, and business. He revealed some of his goals and dreams, and surprisingly commented, "I'd like to be successful like you one day." He followed that up by talking about how he'd like to "make bank" to drive nice cars, sport luxury watches, and build the house of his dreams. There's a reason I shared his comment and this context.....you'll see in a moment. Toward the end of the conversation, he asked if I'd be willing to mentor him.

As we worked our way out the door and into the parking lot, we shared a few more pleasantries before parting ways. We were standing next to an older Nissan Altima with a massive ugly dent on the driver-side doors. As it caught his eye, he pointed and quipped, "Wow, that's embarrassing."

After we shook hands, he walked to his car, and I got into the heavily dented Altima. Part of me wanted to take a lap past his car to give him another glance at this embarrassing dent, but I refrained. I still don't know if he eventually realized he was insulting me.....maybe one day I'll ask him (or send him a picture of me posing next to my car like a magazine model).

The brutal dent is the result of an accident I experienced about 18 months ago. I was coming home from a negotiation meeting where my Northern Vessel business partners and I were hammering out the details of our ownership structure. A young teen driver was driving right next to me in the left lane, when he decided to change lanes without looking. He was scared and embarrassed, but everything turned out ok.

Immediately after the accident, I was in a tizzy about fixing the damage ASAP. I caught myself feeling this way and wondered why. I quickly realized it was because some part of me cared about what others thought (like the young man who thought my car was embarrassing). However, I quickly came to my senses and remembered I don't actually care about things like that.

Still, I took my car to the shop for an estimate and submitted it to insurance. Instead of having me send my car to the shop and pay for the work, the insurance company just sent me a check and called it "closed."

After I deposited the check, I had a decision to make. I could either a) repair the cosmetic damage and make sure people have a proper perspective of who I am, or b) do something else with the money. I ultimately chose to give the money away. My car looked like crap, but a bunch of kids got fed. I call that a win.

For the last 18 months, I've elected to keep the dent as a reminder of what's most important. Some see embarrassment, but I see beauty.

A Different Kind of Scorecard

Our 300th podcast episode was published yesterday. I typically don't stop to reflect on these sorts of things, but with the encouragement of a few close friends, I'm taking a moment to stop and pause. Now that I think about it, 300 is absolutely absurd. I can't remember the exact statistic, but around 90% of podcasts don't make it past episode 20. With an average episode length of 17 minutes, that's 85 hours of free content floating around cyberspace. While we won't pretend to be one of the top podcasts in the world, it's wild to see how broad the reach has been. We've even received notifications that we hit the top 10 lists in Italy, Belize, and Ukraine over the years. Very odd.

During a recent business trip to Texas, I treated myself to a nice slab of meat at a local steakhouse. As I was sitting at the bar waiting for my meal to arrive, I started chatting with a man next to me who was thumbing through his podcast app. I asked him what his favorite podcasts are. "Joe Rogan, ________ (*name I can't recall), and Meaning Over Money." Wait, Meaning Over Money? That's us!!! We had a good laugh about the coincidence and had a nice chat!

It brings me back to a recent conversation I had with a friend. We were talking about our businesses and some of the projects we're working on. When the subject of our podcast came up, he asked, "At what point do you just decide to give up?" Excuse me, what?!? He pointed out that we don't have sponsors and are seemingly not making any money from the podcast, thus we've pretty much failed. And since we've failed, at what point should we just stop doing it? My response: "What makes you think we're trying to make a bunch of money doing this?" Him: "Well, why else would you do it, then? That's a lot of time to waste for nothing."

Considering our show is called Meaning Over Money, it would be awfully hypocritical for us to define our podcasting success by how much money we make. We didn't start the show to make money. We created the show to make a difference. We began doing this to perhaps bend the culture regarding work and money. Have we succeeded? To the thousands of people who have listened over the years, I hope so! But more importantly, and obviously more challenging to measure, I wonder what impact our listeners are making by living work and money differently in their own lives. When they put meaning over money, how does that influence their friends, family, neighbors, and colleagues? I may never know the answer to that question.

Only you get to decide what success is. It can be money, but it doesn't have to be. Look in the mirror and ask yourself, "Why?" The answer to that question matters. When we're playing a different kind of game, we should be using a different kind of scorecard.

A Glimpse Under the (Cruise) Hood

I've shared bits and pieces about our family's recent cruise vacation. Some of the finer details must have perked people's interest, as at least a half-dozen readers asked if I would be sharing more about the economics of the trip. There's a voyeuristic side in each of us, where we like hearing the details of other people's situations. I think that's why our personal budget reveal episode was/is so popular. 

Well, your wish is my command. I dug through the numbers and will now share the total economics of our recent trip. For context, our family of four took a 6-night cruise on Royal Caribbean out of the Fort Lauderdale port. The ship was called Symphony of the Seas, which I believe is the second-largest ship in the world (and it was amazing!). When the dust settled, we spent approximately $5,100 all-in, broken down as follows:

• Cruise: $1,830 (We took advantage of a 30% off + kids sail free deal on the Royal Caribbean website. We stayed in an interior room, which was small but efficient. This price included all food).

• Flights: $740 (We saved $700 by flying out of Minneapolis - a 3-hour drive - instead of Des Moines. Not ideal, but we agreed it was worth it). 

• Food & Fuel to/from Minneapolis: $140

• Airport Parking: $210 (Given the -45 degree wind chill and the fact we wouldn't have coats with us, we elected to park in the terminal instead of taking the long-term parking shuttle).

• Fort Lauderdale Hotel: $220 (We didn't want to risk having a delayed flight ruin our trip, so we flew in the night before). 

• Ubers: $140 (Ubers to/from airport/port).

• On-Ship WiFi: $300 (This was a hard pill to swallow, but we ultimately decided to get WiFi on three devices. Looking back, we're glad we did).

• Drinks: $380 (This included alcoholic beverages, some fun drinks for the kids, and Sarah's fancy coffees).

• Aquapark Excursion: $50

• Pig Beach Excursion: $700 (A lot of money, but it created some lifelong memories). 

• Automatic Tips: $220 (By default, Royal Caribbean charges you $18/person/day for tips. However, this isn't mandatory. We elected to turn this off for the kids so we could use that extra money to give specific tips)

• Cash Tips: $200 (Primarily for our room attendant and the kids club staff. Our kids spent 7PM-10PM every night in the kids club, and they had a blast. There were a lot of tears saying goodbye that last night). 

There you have it. It wasn't cheap and ultimately cost more than we anticipated, but we don't have many regrets. It was a wonderful trip; we'd do it again in a heartbeat. 

Thoughts? Questions? Insights? Reactions? Would love to hear your feedback. Hit reply to this e-mail or drop a comment below on the webpage. 

I'll wrap it up this way: Meaning over money. That money could have been invested, or saved for something "more responsible," but our family primarily invests in two things: mission and memories.

Why Not You?

I've been an Iowa State Cyclone football fan since first stepping on campus 24 years ago. Confession: It's not always easy. We don't usually have stellar teams, and when we do, they end up underperforming expectations. Such was the case a few years ago when we were blessed by friends who purchased season tickets for our family.

While that season was full of amazing family memories and new traditions, the actual on-field performance was frustrating. We had a talented squad, tons of hype, and seemingly all the tools to get into the top 10. We had a four-year starter at quarterback, and he had a ton of weapons around him (including starting NY Jets running back Breece Hall). However, it wasn't meant to be.

Our quarterback's name was Brock Purdy. On a personal level, I thought he was a class act....a top-notch character. But as a player, it felt like he hit his ceiling in his sophomore year. So when it was announced he would try to make an NFL roster, I thought it was pretty far-fetched. The San Francisco 49ers selected him with the very last pick in the draft, which is commonly referred to as "Mr. Irrelevant." That was pretty cool, though! I never expected him to get drafted, yet there he was.

But would he ever even take a snap? Due to a few unfortunate injuries, he rose from third on the depth chart to eventually starting by default. And he won. Then he won again. And again. He just kept winning. By the end of the regular season, he was getting Rookie of the Year mentions and was solidly their starter for the playoffs. Again, he shined in the playoffs.....until he experienced a sad season-ending injury.

As this season approached, would he be physically ready to play? Even if he was, would he be their starter? Yes, he was ready, and yes, he did get the starting job. Then he just continued winning.....so much so that he was in the league MVP conversation for most of the season.

Last night, he became an NFC champ, and he's leading his team to the Super Bowl, where he'll face a KC Chiefs dynasty that's making their 4th Super Bowl appearance in 5 years.

Not many people (me included) believed in Brock Purdy. Yet, here he is. Here's the question I have today. Why not Brock Purdy? Better yet, why not me? Or better still, why not you?

Here's one thing I do know. If Brock Purdy didn't believe in himself, he wouldn't be here. He had the entire world trying to give him a participation trophy, but he knew something we didn't.

I think about people like him a lot. Why not them? Why not me? Why not you? It reminds me of a famous quote: "Whether you think you can or can't, you're right."

Whatever your thing is, just go for it! Sure, you might fail....or you might not. It could be nothing....or everything. Why not you?

This Can’t Be Everything

We had another amazing day at sea yesterday, which included a few hours in port in Falmouth, Jamaica. Lots of food, lots of swimming, and lots of adventures. This trip has been THE definition of relaxation (well, except for everything that goes into caring for two first graders). It's been absolutely wonderful, and I'm so very grateful for our opportunity to go on this trip together.

As I was in the hot tub yesterday afternoon, I overheard a group of twenty-somethings next to me. They, too, were thoroughly enjoying their cruise. One asked the others, "Wouldn't it be great just to live like this all the time?" They all agreed and started fantasizing about a life of perpetual relaxation, endless drinks, and a non-stop flow of delicious food.

I agree with them about how amazing this experience is, but I couldn't disagree more about making this life. This isn't life. This is something we do once in a while. This is a treat. It's a reward. It's a little luxury. But it's not a life. This can't be everything.

I can't wait to jump back on a cruise ship again one day, but I would never want it to be my life. There are too many more meaningful and impactful things we must accomplish. We can't live a life solely for ourselves. That's a purposeless and empty existence.

While we're on the subject, I can't wait to get back home and back to work. It's going to be wonderful. I have so many thoughts, ideas, and dreams that are ready to be unleashed. Stuffing it all down while I continue to live a life of leisure would be the selfish thing to do.

So I'm going to enjoy the heck out of these last few days, be excited to get back into the swing of work and life, and maybe even plan another vacation for the not-too-distant future.

Find ways to get away, relax, and live in temporary leisure. It's healthy for us, and it's a ton of fun. Go book that trip! But also know it's not everything. It can't be everything. We must find meaning and purpose, and lean into them each day.

Perhaps My Wife Should Leave Me

I recently stumbled into an online message board where people submit their monthly budgets for the broader group to provide feedback.

One person's budget included investing 55% of his monthly take-home income to "build wealth." The group loved it! "Way to go!" "Keep up the good work." "Your future is bright." He was lauded and applauded. Hundreds of comments poured in, ranging from congratulations to requests for advice.

Another person shared how he and his wife each bought new luxury cars and live in a mini-mansion in a prestigious gated community. The group loved it! "You earned it." "Enjoy the spoils of your labor." "That's a sign that you're a success." Some people put them on a pedestal. Some people wanted to know their secrets to winning. Others were jealous, but hopeful to one day be there as well.

Then there was another person. This was a middle-class family with an average income and a normal lifestyle. What caught my eye were a few giving categories in his budget. "Church giving," "xyz org giving," and a category that was clearly meant for people in need. He didn't highlight this in his post, but I did the math: his giving totaled approximately 18% of his monthly take-home income.

Do you think he was applauded like the two families above? Haha, of course not! He was utterly skewered. When I saw his budget, I knew exactly what the comments would look like. "You're an idiot." "Bible-beating moron." "Gullible sheep." Some people accused him of neglecting (or even abusing) his family. Some suggested his wife should leave him to find someone to care for his kids, not someone else's kids. 90% of the commenters agreed he was irresponsible and dumb.

I don't know what was going through that original poster's head as he saw the negative comments stream in. But if they know the secret I know, I hope they just sat back and smiled. Generosity always wins. Always. It's true that when we give money away, we have less money. That's a mathematical fact. This family will most likely have less money in the months, years, and decades to come. But they will be richer.....far richer. They will have more joy, more peace, more impact, more contentment, and more meaning. It's a trade-off. We can have the money, or we can have what really matters.

While getting absolutely destroyed by the commenters on that board, my prayer is that someone else was watching. Someone who knows deep down that generosity is the way. Someone who experiences our culture pushing him downstream, but has the urge to swim upstream. I hope this person was inspired by this man's post. Not just inspired, but enough to take action and eventually become the butt of everyone else's jokes.

I may be an idiot. I may be a "Bible-beating moron." I may be a gullible sheep. I may be neglecting my family. Perhaps my wife should leave me. Or maybe I just know a secret: generosity always wins.

“You’re Being Stupid”

While writing yesterday's post, I found myself reflecting on my current life vs. my previous life. Specifically, I remember one critical conversation with a close, trusted friend as I was on the verge of making the transition. "You're being stupid." Well, that wasn't the exact quote. The exact quote included an f-bomb in the middle......for emphasis, of course! Let's just say this friend thought I was making a life-altering mistake. I don't blame him, though. Taking a 90% pay cut to start your career over while trying to make ends meet may, in fact, qualify as "stupid." 

I wouldn't trade my current life for all the money in the world. The funny thing is, though, my life doesn't look anything like I drew it up on the playbook:

• I have a bunch of awesome coaching clients (that was the only part I knew I would do).

• People pay me to speak at their events (still weird to me!).

• I have the honor of sharing the Meaning Over Money message on podcasts and in my writing (one of the greatest honors of my life).

• I get the surprise privilege of partially owning and jointly operating a coffee company (that wasn't on my bucket list bingo card).

• I have a wonderful corporate client in Texas that I enjoy immensely.

• Though all these things take up a ton of time, I have a lot of flexibility to parent my boys and invest in them. 

In other words, I'm blessed beyond belief. It's easy to look back now and say my decision was the right thing to do. However, there were many times when it felt like the scariest thing in the world. Never mind all the people in my life who told me how terrible a decision I was making. "You're being a bad husband and father" was another fun comment made to me by a trusted friend. Ouch!

People's opinions matter. Their wisdom is valuable. We should seek out the insight of those we trust. Yes, all of those things. But ultimately, we need to make the best decision for our family......even if it's the opposite of what culture says is right. If I was feeling a bit more rowdy, I may even suggest, "especially if it's the opposite of what culture says is right." 

If you want what everyone else has, do what they do. If you want the opposite of what everyone else has, do the opposite. Ultimately, it comes down to values.....your values. 

I recently had a drink with my friend who told me I was stupid for leaving my career. We had a great time. Lots of reminiscing and lots of laughs. In the middle of the chat, he added, "You did the right thing." I'm not sure I needed that from him, but I think I needed that from him. Thanks, my man!

Follow meaning, even if it's hard. No, strike that. Especially if it's hard. 

“Am I Excited to Go Home?”

Last night, I was blessed with a chance airplane encounter with my awesome friends, Brett and Tracy (and family). They are on their way to a wonderful-sounding vacation at a tropical destination. That sounds pretty nice when contrasted with the weather we're about to experience here in the Midwest. While waiting for the plane to take off, I texted Tracy, jokingly asking her to give me some ideas for blog content she could enjoy at the pool each morning. She didn't take the bait……perhaps she doesn't want to spend her vacation absorbing random ideas from my brain. Today's post is written with her vacation in mind, though!

Vacations are an excellent barometer for life. Not the vacation itself, but rather one key question we should ask ourselves while we're in the midst of a beautiful trip. "Am I excited to go home?" If we're vacationing well, we should be creating lifelong memories, making bad (or shall I say good?) food choices, relaxing, and carving out new adventures. But at some point, it comes to an end. And when it does, we'll soon transition back to our normal day-to-day life. When that happens, what goes through your mind? Is it dread? Fear? Tolerance? Ambivalence? Anxiety? Stress? Pessimism? Or on the other side of the coin, is it excitement? Hope? Passion? Encouraged? Optimism? 

The answer can and should be telling. Let's say your answer to the question is positive. You're looking forward to going home and resuming life. If that's the case, congrats! You're winning! I don't even care what your life looks like, what you do for a living, how much money you have, or your status. If you look forward to going home and living your life, you've already won! Millions of people would be jealous of your life. 

If your answer to the question leans negative, it's time to look in the mirror. If we need to escape our life in order to get through our life, it's a sign that something needs to change. Yes, vacations should be amazing……but vacations aren't life. They are what we do when we temporarily pause life. And the consequence of pausing is that we eventually need to unpause. When we do, our life is still our life, and we are still us. That's the problem with vacations. They don't actually change anything. We can leave our life, but we can't escape it. Ultimately, we must live in the reality we've created for ourselves. 

If you have a negative answer, I have a few follow-up questions for you:

• What part(s) of your life triggers a negative response? Work? Family? Marriage? Finances? Friends? Other?

• What alternative reality would make you shift your answer from negative to positive?

• What changes can you immediately make to begin this shift?

Next time you're on a fun vacation, try this exercise. But warning: Once you look in the mirror and see the truth, you just may have to take action. And you'll be grateful you did!

Build-A-Memory

Yesterday was a big day in our house. Finn cashed in on a Christmas gift by creating his own Build-A-Bear stuffie. He was beaming, as any new stuffed animal father would be. It's safe to say that he'll be talking about this for years to come.

Do you know how much it costs to buy a Build-A-Bear stuffed animal? Far more than a stuffed animal should cost. In many cases, 3-4x what you'd typically pay for a similar stuffed animal. It's wild.

However (and this is a big however), you aren't really buying a stuffed animal. Sure, you walk out of the store with a cute little stuffie. But that's not what you're actually buying. Build-A-Bear is in the memory-selling business. Every part of the experience (from the moment you walk into their store until the moment you walk out) is a curated experience to create a lasting memory. From the selection of the body, filling it with stuffing, to the little heart-insertion ceremony, to the accessorization, each part of the sequence builds upon the prior.

People can criticize Build-A-Bear all they want, but that company understands something vitally important. Their value proposition is far more than the physical object they are selling. That's why they can sell so many units at a staggering price. They know who they are, they know who they serve, they how to serve them, and they know what they are selling them.

My wife recently had a similar experience. My gift to her was one of those necklaces you design, and they literally fuse it onto your body. It doesn't come off. It's permanent. The only way to remove it is to cut it off. She chose a simple chain with three birthstones: September (the month Finn and Pax were born), October (the month they became part of our family), and June (the month their adoption was finalized in court). Similar to the stuffie, Sarah's necklace cost more than you'd anticipate. Also similar to the stuffie, this company understands they aren't in the necklace-selling business. They are in the legacy business. They help women create pieces that will theoretically be attached to them for the rest of their lives. There's a special sentiment in that process. That's what people are really buying.

What are you really selling? We're all selling something. We all wake up each morning and do something with our time. Those actions and that work can provide something meaningful. Maybe you sell coffee like my friend TJ. Or maybe you train basketball players like my friend Anna. Or maybe you sell insurance like my friend Ben. Or maybe you raise your kids like my wife Sarah.

Whatever you do, look one layer deeper. What are you really selling? Instead of coffee, TJ really sells smiles and hospitality. Instead of training, Anna helps young ladies develop confidence. Instead of insurance, Ben really sells peace of mind. Instead of "just staying home" (I hate that phrase!), Sarah is molding the next generation of leaders.

Sell what matters.

What’s Your Non-Resolution?

In yesterday's post, I disparaged the idea of New Year's resolutions, referring to them as a shinier version of a wish. Instead, I proposed that we ought to set a target outcome, and then focus 100% of our attention on the small things that contribute to achieving said objective. I used the idea of paying off a bunch of debt. Instead of simply saying, "I'm going to pay off $18,000 of debt this year," I walked through the small things that will actually lead to this goal being accomplished. 

After ranting about that topic yesterday, it begs the question, what do you want to achieve this year? What are your non-resolutions? What are a few things that matter to you? What are your objectives? I'd love to hear what's on your mind. Everyone has their own unique set of goals and objectives, and I'm infinitely fascinated by each person's. If you're willing, I'd be honored if you hit reply to the e-mail (if you're a subscriber) or hit the comment button if you're on the website, and tell me what yours are.

But if I'm going to ask you yours, I suppose I should share mine! Here are a few of the things I'd like to accomplish in 2024:

• Continue to build my coaching/speaking/consulting business to the point that its income consistently pays for my family's monthly budget. Over the past 4.5 years (more so in the early years), I’ve needed to supplement our income through other investments and businesses. 

• Increase our blog readership by 1,000+ new readers. If you're ever inclined, it would mean the world to me if you share the blog (or specific posts that move the needle for you). 

• Increase our podcast listenership by 2x. 

• Publish a book (more on this to come soon).

• Speak at approximately four national conferences.

Each of these five goals feels daunting, but focusing on the small behaviors, habits, and actions, can lead to big things. Ultimately, I just want to make a difference in people's lives. I want to have an impact on this world. I'm not sure I'll change the world, but I do believe I can make a positive difference in the journeys of people who will most certainly go on to change the world. That's my dream. That's my why. That's what gets me out of bed each morning. 

What about you? What's on your agenda for 2024?

That’s a Lot of Life

Happy last day of 2023. Is it just me, or does it seem like life moves progressively faster as we age? I blinked and the year was gone. In the past, I would be surprised by this. Anymore, however, I just expect it. 

With that being said, something happened yesterday that gave me a different perspective. One of our readers asked me a question about something I previously wrote about. In an effort to find said content, I started flipping back through old posts. I eventually found what I was looking for, but by that point, I was having fun looking back on some of our old posts. 

Here's my conclusion. Though life moves fast, there's a lot of life being lived. 365 posts in 365 days is wild. I still can't wrap my head around it. But as I was poking around some of the old posts (and the scale of it all), I was struck by how many people, stories, and situations were involved. Posts I don't remember writing. People that made a difference in my life. Stories that I had somewhat forgotten. Situations that changed me. That's a lot of life.

As I reflect on the year coming to a close and another about to unfold, a few thoughts come to mind:

• Every day is an opportunity to mean something. Some days mean more than others, but all days can have meaning. 

• Never take for granted the people who intersect our lives. Some stay for years, while some stay for just a moment.

• Make an impact. We don't need to change the world. Instead, we just make a positive difference. We never know how a small act can spiral into massive impact. 

• Document the journey. Whether you journal, blog, YouTube, podcast, or any number of creative outlets, document it. For as insightful as it was flipping back through posts from the past 365 days, just imagine how crazy it will be reading them 20 years from now. If I can convince you of one thing, it's to document your journey. If you don't do it for you, do it for others. And if you're like me, maybe some of the "others" are your children. It's one of the best gifts we can ever give our kids. 

Whether your life was filled with amazing blessings or a ton of pain (or likely a mix of both), a lot of life was most certainly lived in 2023. I can't wait to see what next year will bring. The best is yet to come. Happy New Year everyone!

What He Said!

When I open my laptop to start writing each day, I often don't know what the blog will be about. And sometimes, the creativity doesn't just automatically stream from my fingers. I suppose that will occasionally happen if I'm committed to writing 365 days per year. Today is one of those days. So I did the first thing I always do when I need to find a spark: scroll social media. I never know what I will see, but I 100% know I'll be inspired by something I come across. And man, was today's ever inspirational!

As I was flipping through Twitter (sorry, I can't call it X), I saw something my guy Elliott Frey shared. It was a postgame interview with Arizona defensive player Martell Irby, who had won the Alamo Bowl moments prior. Here's the video. It's only 2 minutes long, and I couldn't recommend it enough.

🥲 pic.twitter.com/qvCTChNTSU

— no context college football (@nocontextcfb) December 29, 2023

This clip sums up nearly everything I believe in. It's an absolutely beautiful witness and testimony of the pursuit of meaning. These 114 seconds are packed with so much:

• Faith

• Persistence

• Redemption

• Gratitude

• The importance of community

• Humility

• Living in the present

• Work ethic

• Love

• Determination

• Patience

I feel like this is where I should elaborate on his words, providing context and adding value.....or maybe throw in something witty. Truth is, there's nothing I can add to make this better. I don't know Martell. Scratch that, I don't even know anything about Martell other than what these two minutes told me. But I can tell you one thing: This man's gravitational pull makes you want to be around him. It's contagious. It's vulnerable, and it's genuine. It's all about meaning. 

So instead of trying to find something clever or valuable to say, I just have one thing: What he said!

Expectations vs. Reality

Do you ever script out, in your mind, how something will go? What it will look like, feel like, and be like? There's a specific vision in your mind, with an anticipation of it all playing out just as you planned? Oh cool, me, too! And just like clockwork, it rarely goes according to plan. That can be such a defeating feeling.

This was my Christmas day. It didn't look or feel like I imagined it in my head. You know what's crazy, though? For the first time ever, I went in with an anticipation that my perfect little vision probably wouldn't materialize. Some may call it pessimism. Others may call it experience. I call it growth. In years past, I would find myself getting pretty sad when my little vision melted as reality set in.

Most of our Christmas day was spent as a party of three, as Sarah spent most of the day in bed with a brutal sinus infection. I felt terrible for her. Also, instead of a white Christmas, we received an odd 50-degree Christmas day. That sounds possibly fun, except for the fact it rained all day. The boys and I saw the new Wonka movie at the theater. About 15 minutes in, the screen went black, where it would stay for about 30 minutes. After getting it running again and adjusting the timestamp of the movie a few times (resulting in us seeing the same parts multiple times), it went from a two-hour movie to a three-hour experience.

Nothing went quite as expected. But it was still an amazing day! I knew it would look different than I had hoped for, and that's ok. I was ready to embrace it for whatever it is, and create memories with the kids nonetheless. And that we did. It could have been a huge letdown, but we thoroughly enjoyed our little tainted Christmas. We lived in the present and enjoyed our time together.

I think our Christmas is a parallel to much of life. It's rarely going to go as we hope, so we have two options: a) lament the fact reality isn't matching our expectations, or b) continue to see it through, embracing whatever plays out in front of us. It's going to be messy, frustrating, chaotic, and a roller-coaster. We can wish for something different, but we can't wish away reality. All we can do is expect the unexpected, savor whatever comes, and always decide to make lemonade when it's raining lemons.

I hope you had the absolute most perfect day ever, but in the likely event you didn't, I hope you embraced and savored your very imperfect Christmas day, too. Today won't be perfect. Tomorrow won't be, either. That's ok, though! Embrace whatever comes your way.