Podcasts about atomic habits

Title: Build a Bigger Life, Not a Bigger Lifestyle: The Real Path to Freedom with Adam Caroll Summary: In this episode of Raise the Bar Radio, guest (Adam Carroll) shares his journey from a traveling professional speaker to building sustainable wealth through passive income strategies. After realizing the limitations of trading time for money, Adam developed The Shred Method, a cashflow reorientation system that minimizes debt interest and frees up capital to build liquidity and invest. By leveraging lines of credit and algorithm-driven cash deployment, individuals can rapidly pay down debts and reallocate savings into passive income streams like real estate syndications, intellectual property, and other alternative investments. Adam stresses that most high-income earners don't have an income problem - they have a liquidity problem tied up in low-access retirement plans and excessive spending. Finally, he expands on his philosophy of "building a bigger life, not a bigger lifestyle," urging professionals to align spending and time with their values to achieve fulfillment and financial freedom within 10 years. Links to Watch and Subscribe:   Bullet Point Highlights: Trading time for money is limiting. Adam shifted from paid speaking gigs to building passive income streams for true freedom. The Shred Method minimizes interest expenses. By using cashflow more efficiently through lines of credit and optimized algorithms, debt is paid down faster, freeing liquidity for investing. Passive income is key to wealth. Adam focuses on real estate syndications, ATM tranches, intellectual property, and digital products to generate consistent, diversified passive cash flow. Most people have a liquidity problem, not an income problem. Money is often locked in 401(k)s or spent wastefully — instead, creating accessible liquidity allows for opportunity-based investing. Building a bigger life requires intentionality. Aligning spending and actions with core values (like family, freedom, growth) leads to fulfillment — not just more stuff. The game becomes fun. Once passive income starts flowing, investing becomes strategic, diversified, and compounding — eventually replacing active income and creating financial independence. Anyone can implement this. While you can DIY, Adam recommends coaching to fast-track understanding and execution of the Shred Method. Transcript: (Seth Bradley) (00:02.094) What's up, Builders? This is Raise the Bar Radio, where we talk about building wealth, raising capital, and all in all, raising the bar in your business and your life. This is the No BS podcast for capital raisers, investors, and entrepreneurs who are serious about scaling their business and living life on their own terms. I'm (Seth Bradley), securities attorney, real estate investor, and entrepreneur, bringing you world-class strategies from the best in the game.   If you're ready to raise more capital, close bigger deals, build a better you and create true financial freedom, you're in the right place. Let's go. Adam, what's going on, brother? Welcome to the show.   Hey Seth, thanks for having me, man. I'm excited about our conversation today.   Yeah, dude, super stoked to have you on today. It's going to be an awesome show, man. Let's dive right in. Tell us a little bit about yourself, your background. Take it back as far as you want to. Yeah.   Well, for the last 15 years or so, almost 20 now, guess, I've been making my living, opening my mouth and just speaking on stages all across the country. Had the opportunity to do a couple of international gigs, which was a blast. And in the midst of all that, making my living as a professional speaker, I realized that if I was very similar to your audience, if I wasn't doing the deal, doing the gig, doing the engagement, I wasn't getting paid.   (Adam Carroll) (01:26.184) And so a mentor of mine said, the goal is not to go to work and get paid. The goal is to go to work and get paid, get paid, get paid, get paid, get paid, get paid, get paid. And so I started figuring out that what I really wanted to do with the messaging that I was delivering was turn it into sort of a mediapreneurship where I was a mediapreneur creating content, but then I'd get paid for the content over and over and over again. And that today looks like I've written a bunch of books.   I've got a documentary that I produced that aired on CNBC. And now we're starting to get into more of a SaaS business, which I'm sure we'll talk about. That's the shred method. But I, you what I do when people ask me, I tell them, I love to educate people about new and different ways of building a bigger life, not a bigger lifestyle. And I would say you and I have that in common, because I know you're doing that on the show.   Yeah, absolutely, man. I gotta ask, how do you become a professional speaker? I bet a lot of people are thinking about that.   The origin story is kind of interesting because I was a clothier at the time in Denver, Colorado. And I was literally going out and meeting with high level executives in their offices, selling them custom made suits and shirts and sport coats and pants and whatnot. And it occurred to me in the middle of a meeting at one point, an appointment with one of my clients that I didn't want to measure in seams for the rest of my life. And I'll keep it PG but   This guy was one of my favorite clients. He was irreverent and funny and wasn't afraid to spend money on clothes. But this particular day, he confided in me that he wasn't wearing any underwear. And I was just like, dude, JP, what? You knew I was coming here today. He's like, I know, I just forgot. I'm sorry. I'm sorry. And I walked out and I went, I don't want to do this anymore. I just don't want to do this. And the company that I worked for is a fairly well known clothier. But   (Adam Carroll) (03:22.55) Every day I would drive around in my car listening to motivational messages. You know, they were on CDs at the time. I'm going to date myself, but I would listen to like Mark Victor Hansen and Jack Canfield and Les Brown and Zig Ziglar. I would listen to all these CDs in my car. And Mark Victor Hansen said on one of the CDs that public speaking is one of the most noble professions because you get to travel the world. You get to change people's lives and you make a lot of money doing it. And I remember thinking.   That's what I want to do. All three of those things rolled into one. And so I reached out to a buddy of mine and said, dude, I don't think I'm in the right job. I need to be doing something else. He said, what do you want to do? And I told him, and you know how the universe kind of works in mysterious ways. He goes, well, Anne, who used to work with us, she works for a company that that's all they do is hire speakers. And so I sent in a tape, I auditioned, I got the gig.   And I was a W2 employee of theirs for about two years and then realized that I was being underpaid for the work I was doing, that I was actually probably one of the top 10 % of speakers on the roster. And then I realized that when you can make anywhere from a thousand to $5,000 an hour doing that, it was a pretty good paying gig if you were out on your own. I took the jump and have been doing it ever since.   Interesting man. I didn't realize that you could have a W-2 as a speaker I thought everybody that was speaking was getting the speakers that were getting paid, you know They were kind of doing it on their own. I don't realize there was kind of a there was a way to do it where there's a company that pays W-2 wages to speakers to speak it events. Yeah, it's interesting   It is interesting because there are companies that will hire you as a speaker to go and it may be sell their product or service. Or in this case, I was working for a company that was a division of monster.com, the job search company. And I was, I was speaking to high school and college students all across the country. And I probably presented to like 200,000 people in, two years time. So it was just a great practice run and a great way to cut my teeth on a very difficult audience. Because.   (Adam Carroll) (05:36.814) I don't know if you've ever been around a freshman in high school or a sophomore in high school, but they're like the most apathetic human beings on the face of earth. They don't want to be there. I could have lit myself on fire and they'd been like, cool, what else you got? And then when I realized that there were speakers like me that were out who basically just said, this is my topic. This is my specialty, if you will. And here's the rate. And the more they spoke and the...   we have a theory that the more you speak, the more you speak. So once you get out, you hang your own shingle and say, I'm a speaker in this topic, people begin to know you as that person. And then word gets around and obviously you have to not suck on stage. That's part of it. But if you're great at keeping audiences attention, and I really studied NLP, neuro-linguistic programming to use the right words, I studied comedians to figure out what was funny and what wasn't, and it just worked.   Over time, I had more more bookings and at the peak of my career, I was doing like 70 or 75 gigs a year.   Wow, wow, that's incredible. Definitely didn't realize that was your background. I remember those folks coming to like the office and selling suits and doing that sort of thing. So that's pretty interesting. I'm sure a lot of listeners out there are familiar with that process as well.   Yeah. Yeah, it was, it was a great, it was a great gig. mean, I met all sorts of really phenomenal business people. And I think for me, it was, it was like confirmation that I had this desire to, to impact people. And my boss at one point, he was like, Hey, these people love you. They want you to come around. They love the discussion and the conversation. They need to buy stuff from you. And, and there was a.   (Seth Bradley) (07:01.639) sorry, go ahead.   (Adam Carroll) (07:26.574) It's kind of a realization for me that I didn't necessarily want to have to sell. wanted people to buy. And speaking makes it real easy to do that.   Hmm. Yeah, makes sense. Let's jump right into it, man. Let's talk about the shred method. A lot of folks will find this very interesting. I know that I do. What is it? And let's just start there. What is it? Tell us a little bit about it.   Yeah, the shred method, first of all, thank you for asking. it's, it's, for me, I don't say this lightly, but nothing has built more wealth for me and my family than following this model. And the reason for it is there are two great expenses that everyone has in life. And I'm sure all of your listeners, be they attorneys, doctors, other professionally degreed folks.   If you're in a W-2 job, you know this to be true. The two greatest expenses we have in life are taxes and the interest expense on debt. Those are the two greatest expenses. And a gentleman that I had met years ago who helped me with tax situations, just a brilliant, brilliant strategist, he said, Adam, if you focus on minimizing your tax liability, that will get you halfway there. And it's very easy to do, buy real estate, have depreciable assets.   you know, make personal expenses, business expenses, etc, etc. But he said, if you can focus on minimizing the interest expense on debt, this is like a video game that you can't lose. And so when I learned about the shred method, and this is known by a variety of different terms, some people call it an Australian mortgage, it's called velocity banking, we've taken those concepts and turbocharged them.   (Adam Carroll) (09:09.474) almost like putting nitrous oxide in a gas tank, you know, in terms of making it go faster. But the shred method is a unique tool and a way of reorienting your cash flow through your household so that it is being used to the most efficient use possible. And to kind of qualify that, Seth, if you were to leave your home in the morning to go to the grocery store, as an example, and you came back home, emptied the car out,   knowing you had to go to post office at like 4 p.m., would you leave your car idling in the driveway all day?   (Adam Carroll) (09:46.284) Nope. No, and why wouldn't you?   Wasteful.   Yeah, wasteful, you'd burn gas, it'd be hard on the engine. It's just inefficient, right? And yet what most people do is they get their income, their income gets deposited into a checking account, and it sits there for days, weeks, months, sometimes years on end. And we never really use it to its highest efficiency. Meanwhile, we might have debts, commercial debts, primary mortgages, might have student loans yet. And all of those are accruing amortized interest.   right? And you might say it's compound interest working against you to a certain extent. But at the very least amortized interest means that the majority of the interest you're paying on that debt is upfront, it's in the first one to five years. And so the shred method teaches people how to take that income that is being super inefficient in an account, and instead begin to apply it through a process that allows you to blast away   the highest interest or highest payment debts that you have, freeing up cash flow, building equity, and ultimately, and this is the key, creating liquidity to go buy passive income properties, if you will, or other passive income plays.   (Seth Bradley) (11:02.058) Interesting. Yeah, and we actually haven't had anyone on the show to speak about this method, whatever nomenclature you might use. So let's go in a little bit more detail. mean, what is the vehicle? What is this flow of money that you're talking about?   So, know, logistically, here's how it works. Money typically would just get deposited into checking. You pay everything out of checking your mortgage, your car loan, your credit cards, living expenses. And the gurus would tell you that anything extra should really go towards savings and investments, right? And for most people, it goes to Costco, Target and Dining Out. That's where it goes. You know, it doesn't stay in the account, doesn't go into savings. If it does, it goes there for a small period of time. I think that most people   don't really have a savings account, they have a put and take account, because they put a little bit in, take a little bit out, put a little bit in, take a lot out. So the way this works is the money instead of being deposited straight to a checking account gets deposited into what we call a shred account. And the shred account could either be a line of credit, or it could be just a side account of money that you have sitting there that has not been accessed in some time. And what we tell our users is that   you really want to have either a line of credit or a shred account that is one and a half to two times what your monthly net take home is. So if you're bringing home 10 grand a month net, then ideally you want either a line of credit or a shred account of 15 to 20 grand. And the magic of this is the money is going to flow into that account. But the shred method is powered by a piece of software that is based on an algorithm that's tracking your income.   your expenses, the interest that you're paying on all your debts, and how much discretionary money you have available at any given point in time. And essentially, we're leveraging that in really short bursts of time against your largest debts, which could be, again, student loans, could be your mortgage, could be commercial properties. And in doing that, what we're doing is we're saving copious amounts of interest, like literally tens to hundreds of thousands of dollars.   (Adam Carroll) (13:11.122) And in the process, we're freeing up a ton of equity. So people that are saying, hey, I'm paycheck to paycheck. It's hard for me to figure out how am I going to invest more money? We're telling them the money is going to come from the equity that you're creating in your properties by paying them down rapidly.   I love that because I can see where this is going to potentially free up some extra cash to invest. A lot of folks out there, including myself back in the day, we got caught up in this thing we call the golden handcuffs where we're just spending everything. Like you said, we're spending it on Target, on eating out, on things that we really don't need. mean, there's a time and place for spending money on having a good time and enjoying your life for sure.   But we just we tend to overdo it as our income grows our expenses grow right along with it And a lot of people that I talked to about investing they're like, you know I don't have fifty thousand dollars to invest in this real estate deal or a hundred thousand dollars in this real estate deal and it's like well Well, why don't you you know make three hundred thousand dollars you why don't you have fifty thousand dollars to invest in this awesome deal? Right or to you know, put aside for your emergency fund. Like why don't you have these things set up?   So, you know, we always have to walk them through, you know, the expenses is the issue. Really, it's what are you spending all this money on? we try to find how they can save on those expenses so that they can invest in these assets that are really going to set them financially free.   No doubt. And I think you hit the nail on the head. If somebody's making, and honestly, I tell people if you're making six figures plus $100,000 plus, and you don't have 10, 20, $50,000 ready to go, there's something fundamentally wrong. And here it is, we're sending too much money to our banker, and it just goes up in smoke. Right? We like to refer to it as the interest to income ratio, which is if you take how much income you make,   (Adam Carroll) (15:11.694) and you back out how much of that income is actually going to pay interest expense, it'll probably blow your mind. If someone's got a multi-six figure home or mortgage that they're paying on, and they've got student loans, and maybe they're driving a $50,000 to $100,000 vehicle with a payment attached to it, you're probably burning 50 to 60 grand a year in interest and not really thinking twice about it. So what this does is it starts to claw back some of the money that you're sending to your banker.   Which by the way, they make plenty of money. They don't need your money. That is the most profitable business out there is banking and lending. mean, literally, Seth, if you drive two miles around your property there, how many banks would you be able to stop at, do you think? Ballpark best guess.   Right, half a dozen.   Easily, right? And they're probably $10 million buildings minimum. Out there, they're even more, right? So, so this is the deal. They're profitable business ventures. And what we have to remember sometimes is we are their compound interest vehicle, right? Us making our payment every single month is what makes the banks all the money. And if we can game that system, if even for 12 to 18 months at the very beginning of our debt,   we can strip away a huge chunk of the interest that we would normally be paying them over the course of a decade or more. To your audience, that's how I'd say this is how you find the extra 50 or 100 grand because you do have it and it should be in the equity of your property and easily accessible as a liquidity tool. It just isn't because you haven't challenged the banking system.   (Seth Bradley) (16:57.073) Yeah. Now, is this something you can set up yourself or is this something that you need an expert to kind of walk you through? I'm sure if you could probably do it either way. It's just like anything else. You want to take the shortcut or not. But yeah, I just like to know your thoughts on that.   You're exactly right. I I could build a deck on my house if I wanted to and had three months to learn how to do it. Anybody can learn how to do this. My question to most people when they say, I do this myself? I'll say, yes, why haven't you? And for that, the investment with us is very minimal, mainly what it is is coaching and being able to help people get the logistics right. Because once they get it, it's very simple.   but there requires a little bit of retraining the brain in terms of how to handle your money and where the cash flow goes, because it's so, it's like so ingrained in us to live in the banker's business model, put money in checking, pay your bills, anything leftover goes over here. And if you look at it critically, the two groups that are really making money using the existing platform are bankers,   and any advisors that are accepting your money and then turning around and doing something with it. A friend of mine used to call it the helper class. So when the helper class has your money, they're making a ton of money, probably more than you are. And that's our goal is to begin to start to pull back some of the money from the helper class to keep it for ourselves to build those massive passive permanent streams of income.   Yeah, yeah, that makes sense. We tend to bash a few of those helper class folks. I mean, they're not all created equal, including some financial advisors and folks like that that, you know, they're okay people, but their interests aren't necessarily aligned with yours.   (Adam Carroll) (18:51.576) That's right. I would agree with that. I don't want to villainize them, but I think that personal finance is personal. The challenge that I have with anyone out there who espouses a certain way, mine included, is it has to be for the right kind of audience, the right avatar. From our perspective, the people that we help out are the ones who do want to break free from the W-2. They want to create massive passive permanent streams of income.   Over time, they'd like to build a bigger life, not a bigger lifestyle. So if someone's chronically overspending, got to have the newest of the new every single time, they may not be a perfect fit with our strategy because the goal is to continually increase your income while either keeping your expenses similar or even trending down over time, which is not to say that you can't expand where you're spending. Your income is increasing exponentially relative to your expenses.   we do that through the model that we're teaching people. So, you if you're a new car every six months or 12 months kind of person may not be a perfect fit. But if you're somebody who's like, hey, the debt's kind of oppressive, I want to get rid of it. And I want to build, you know, massive wealth for future generations, then generally speaking, we're a pretty good fit for for those folks.   Yeah, yeah, that makes a lot of sense. And I feel like there's, there's probably, it's probably a math equation, right? Like we can't necessarily do it on this show because it's, everybody's taking it in by audio for the most part. there's gotta be an algorithm and you could probably, you know, set those expense numbers and interest numbers that you're paying on your mortgage and other debts and what you're going to pay on that through the shred method and kind of see the savings and how you can grow that wealth year over year.   You're exactly right. It is super fluid. So if your income changes, your expenses change, we plug all that data in and hit recalculate and the thing automatically adjusts to whatever your expenses are. So one of the things that I would never fault anyone for is taking awesome vacations or buying a new car, whatever your choice is. Again, we're not going to villainize anyone for living their life.   (Adam Carroll) (21:06.67) But what we can do through shred is to say, hey, if you're going to drop 10 grand on a vacation, it's going to change your payoff by a month or two months or six months, depending on your income and discretionary income. And if someone knows that and they're planning on it, at least they're armed with that information as opposed to, gosh, we shouldn't do this, but we did or should we buy this $50,000 card? Does it make sense? Or 80 or 150 or whatever your number is.   We can show you exactly do it, just know this is what it changes in the process.   Yeah, yeah, I like that because you can just show them this is the impact it's going to have on paper before they do it and then you can make a better decision on whether or not you want to do that or not.   Absolutely. And furthermore, and you'll appreciate this, I know you're of this mindset, you'll get to a point where it's like, if you want the new car, then invest the money in a syndication or another property that puts enough money in your pocket, you can go pay for the car. But let your assets pay for your liabilities. And I think that's the main thing that many people, I'm sure your listeners, certainly folks that we engage with.   They don't have a lot of assets. They work hard, they make good money, but that is the sum total of their income, is active income. And our goal is to increase passive income over time where it supersedes your expenses because at that point you're financially free.   (Seth Bradley) (22:36.758) Right, right. What are some of the passive investments that you're involved in or that you recommend to people once they've implemented this system and they're trying to build those passive income streams?   Yeah, there are a number of them and I keep getting introduced to more and more all the time, Seth. I mentioned that, you know, that I was a mediapreneur and that the goal was to work, do the work and then get paid, get paid, get paid, get paid. So I started looking for other passive income streams. I really do love real estate. I've been invested in real estate for a long time. We divested of personally held real estate about four or five years ago. And   You know, I think I was too early to the party, but I thought the market was peaking and I thought I could get the max amount out of my properties. And I think I did at the time. And then we were introduced to syndications and we started really appreciating the fact that you could own a piece of a 350 unit apartment complex in South Carolina or Houston, Texas, or some other growing city and get a couple things, either monthly or quarterly income. You could get bonus depreciation.   And you basically got a K1 at the end of the year, which allows you to claim some of those expenses. And so we love syndications. We try and stack syndications on top of each other. they're coming due. They're selling every three or four or five years. So we'll put an amount of capital in knowing that it's going to turn over in short order. And we'll have another amount of capital to put in. And generally speaking, that capital amount just keeps going up.   So we love syndications. I've been introduced and we haven't pulled the trigger yet, but on ATM tranches where you can buy, have you heard this investment? Yep. So you can buy, you know, an amount of ATM machines where you're basically compensated on whatever the fee revenue on those are. There are many advantages to those. There are some drawbacks to it, but it's again, a passive income stream and one that's fairly consistent.   (Seth Bradley) (24:25.798) yeah, for sure.   (Adam Carroll) (24:44.59) Then I really like intellectual property plays. I will tend to invest in a business that has some IP and it may not cashflow right away, but I know that in two or three years, the IP is probably going to be worth something. It's more of a long-term play for me. I'm not going to put as much in it, but we have a couple of 25 to $50,000 investments in those kinds of deals as well. That, in addition to books and   documentary is still selling and things like that I'll keep doing. For me, the process of creating passive income is kind of a game. And so whatever the next thing is, I'm digging in, I want to learn it. total sidebar, but I'm trying to teach my sons and my daughter, this is the way of the future. It's not about working a nine to five and getting W2 and staying with the company for 30 years, it just doesn't happen anymore. It's about setting up   just perpetual income streams that allow you to live the way you want to live. And that, you know, I think that answers your question, hopefully.   (Seth Bradley) (25:52.174) Pardon the interruption, but we don't do ads. Instead, know that if you're raising capital for real estate, my law firm, RaiseLaw, is here to give you the expert legal guidance you need to raise capital compliantly and structure and close your deal. And if you're looking for a done-for-you fund-to-fund solution, Tribest is the industry's only all-in-one setup and fund administration solution. Visit Raise.Law and Tribest.com to learn more.   Yeah, yeah, that's right. You're preaching to the choir here, man. That's awesome. And you're kind of pretty deep into it. A lot of people will invest in a syndication and it is expensive to get involved, right? I mean, it's 50 grand or so or more to get into one of these things. And they're like, okay, I'm done. But you can't be done. You have to keep saving, keep investing. And you're in it to the point where past investors start really start accumulating wealth because they start stacking.   They start coming due every two, three, four, five years. You put it back in another one and they just compound on each other. And you're really accumulating this tax free if you stack them correctly. So it is an incredible vehicle once you get going. And it does turn into a game. I mean, you can look at your bank account or look at your personal P &L and just see how it's growing over five, 10 years. It's incredible. And you're not doing any work. You're vetting the sponsor, the market and the deal and really just the sponsor once you get really good at it.   and you keep reinvesting with the same sponsors that you like and there's no work involved, no tenants, toilets and trash, none of that.   Yes. Yes. And I think you hit the nail on the head when you find a sponsor you really like and you jive with, it's easy to roll the money over to them because they're constantly looking for the next deal. their reputation, their personality, everything is based on their success. they have a very, very vested interest to make you money. And so I don't think I fully realized when I was younger   (Adam Carroll) (27:50.35) the power of having the ability to write a 50 or $100,000 check. And once you get there and you can do 50 or 100 or get to a point where you can write a $500,000 or a million dollar check, things change drastically because there are syndicators out there that will take a million bucks. They'll pay you $90,000 a year guaranteed on the investment. You'll get bonus depreciation and write-offs and all of that. And you'll have like a...   200 % return on it within four or five years, three, four or five years. That's where you can buy a new car every year or two or three, because you need like a $75,000 or $80,000 write-off to your business. So you need a truck or you need a heavy vehicle,   Yeah, yeah, that's right. I mean, that's a good point. mean, people that have $500,000, a million dollars or more liquid, I mean, you can just look at a simple math and you get an 8 to 10 % return on that in cash flow, just in cash flow. You know, if you're living reasonably, you can live off of that. So, yeah, so you can be, you you don't need $10 million, $20 million to retire off of this if you invest in the right deals.   Totally. Totally.   (Seth Bradley) (29:03.926) and kind of spread it across, diversify in different deals, different sponsors, different geographies, different asset types. You can be retired if you want to. It's closer than people think.   I would agree. We have a theory that nearly everyone and certainly your audience could be free, done, done completely in 10 years or less. Absolutely. We call it a 10-year freedom plan. the challenge, think, Seth, and I would be curious your take on this, but I think the challenge for most people is not necessarily an income problem. It's a liquidity problem. So you make good income, right? And we talked about it. It's the expenses that factors in.   But where the majority of your investments go are probably in qualified funds. They're sitting in 401ks and Roth IRAs. Unless it's self-directed, you can't really access it till you're 59 and a half. And even then it's 59 and a half to 70 and a half, you have free rein access. Otherwise the government's regulating how much you take out without fees or penalties. That's a liquidity problem. And so the shred method takes that into account and starts to build   pockets or buckets of liquidity that you can draw from. The first is your home equity, or it could be equity in a commercial property. And then the next would be building a bank of money that you're borrowing from at some point in time, just another bucket. And the more buckets of money that we create, the more liquidity you have and the more investments you can get into, thereby increasing your passive income. So to your point, you do this well, it's like a video game you can't lose over time.   Yeah, yeah, that's right. And we've been programmed to think if we have a high paying job, we just put as much as we can into a 401k and we're doing the right thing and we're doing everything that we need to do and we're not and then everything that doesn't go into that 401k we're spending. So we're not saving anything else. We're not keeping anything else liquid. And we're just assuming that we're going to be okay because we put this money in the 401k. Well, like you said, you can't access it until you're 60 years old. That's right. Unless you take it out with a major penalty. So   (Seth Bradley) (31:10.062) You know, one way to do that obviously is to roll it over in an SDIRA or self-directed, I'm sorry, 401k, the self-directed, something that you have some control over. And then it does become liquid in the sense that you can at least invest it in things that you want to invest in rather than a financial advisor or just stocks, bonds and mutual funds. And then as you said, there's different ways that you can free up liquidity, a HELOC.   something like that borrow against a life insurance policy we've talked about infinite banking policies things like that there's there's creative ways to do it you just need to be aware of it most people just aren't aware of how to how to do that   Yeah, I think that's what's so valuable about your show too, man, is that we only know what we know. And there's an enormous amount that we don't know we don't know. So when I got introduced to syndications, and I got introduced to the ATM tranches, and I'm looking at these going, you know, there is risk, there's risk in everything. But the risk is so mitigated. And you don't realize that if you're writing $100,000 check, and they're saying, yeah, we're going to pay you 9 % guaranteed.   And these are some syndicators will promise an interest rate based on what class of investor you are, A, B, C, D, whatever it may be. But when I looked at that and I go, if I'm striving to get eight to 10 % in the S &P 500, and I have zero control over that, where would I rather be placing my money? That was something I didn't know I didn't know. And it's always fascinating to me to begin sharing this with people because   When I share the shred method, a lot of folks go, not too good to be true. If it's so good, why isn't everybody doing it? And what I'll tell them is because of human behavior and because the bank's lobbies and their marketing engine is so powerful. But it's not magic, it's math. We're taking mathematical principles, risk-based principles and applying it to real estate or finance and figuring out how to make an amount of money that will supersede what you're.   (Adam Carroll) (33:13.782) your W2 job is pretty simple. That's right. Yeah.   Yeah, pretty simple. It's math. Just got to get it down on paper, right? Yeah. All right. Let's switch gears a little bit. I want to quickly get into, you know, this concept that you preach about building a bigger life at work because I think that's, you know, inspiring and that sort of thing and really life in general, right? Tell us about that concept and kind of dive in a little bit.   Yeah.   (Adam Carroll) (33:37.964) Yeah, you know, this started, it would actually started from a conversation I had with a recent college graduate, and they had gotten an advanced degree, they were going into a high paying job. And I think they'd been at it for maybe nine months or so. And we were having coffee and this person said to me, I'm just not satisfied. And I said, Well, what what is it you're not satisfied with? And they said, Well, the issue is that I thought at this point in time after graduating, he'd be traveling the globe.   You know, that was what he had always romanticized was just tons of travel and do whatever he wanted to do. And I said, well, what's keeping you from that? And he goes, well, you know, I just got into this long-term lease apartment. go, okay. And he said, and I bought a bunch of furniture that I financed. And, and then it's like, okay. He goes, I have a couple of gym memberships, not one, two gym memberships, you know, each probably 80 to 120 bucks a piece a month had a car payment because he needed a fancy car. And I said,   Dude, it sounds to me like you're building a bigger lifestyle, not a bigger life. And what you're asking for is a bigger life. And that became almost a deep dive search for me on what would building a bigger life mean for me and my family. And what I did, Seth, was I started digging into what are my core values? How can I live according to those core values, not according to my neighbor's core values, you who may be drastically different than mine? And...   I ended up writing a book called The Build a Bigger Life Manifesto, which breaks down how do you do this step by step. And there are 10 core tenets. And the first one is you got to build on a strong values foundation, like understanding what is it truly you value in life. And if you're doing more of that, then your life should be fulfilling. And mine are family, freedom, love, growth, and connection. And if I'm fulfilling those five buckets on a weekly basis, generally speaking, I'm really fulfilled.   And so the second is have a bigger vision and a bigger vision for your life might mean I'm not going to stay in this job for the next 20 years and hopefully make partner. then hopefully, because we all know that as you get promoted in a W-2 job, it doesn't mean you work less. It means you work more. And so my bigger vision was I want to make my vocation, my vacation. I'm going to speak, but I'm going to speak in cool places that I can take my family to. People are going to pay me really well to do it.   (Adam Carroll) (36:03.368) and I'm going to do it X number of times a year. And then I started asking, and this is the third step, asking bigger questions. And bigger questions look like, okay, so if I wanted to do that, how would I get better at speaking? How would I get so good that people will pay me 10 or 15 or 20 grand to go do what I do for an hour? What would that look like? I started asking not how would I pay my house off early? How would I pay my house off by the end of this year?   And when I asked that question, answers started coming and we were able to do it. So this is kind of the layout of how we walk people through this process. And for me, a bigger life today is just that, you know, I live for my family. I want to travel with them. I want to have tons of fun with them while they're still in the house. I have two teenagers and one in college. And soon, you know, eventually they'll be gone and it'll be my wife and I going and living the life that we most want.   Our lifestyle right now is pretty locked in. We have a beautiful home, we drive nice cars, but everything's paid for. And at this point, the goal is just to continually create massive passive permanent streams of income that afford us the ability to be generous, to live the life we want. And ultimately for me to be able to go share that message with other people.   And something so simple that you did there, it's just, you know, ask yourself what's important. A lot of us don't take the time to think about why we're upset, why are we not happy. And a lot of it comes down to not filling those buckets that are important to us on a regular basis. to be able to figure that out, you've got to take a few moments to think deeply about what it is that's important to you.   100%. And I'll give you a great example, Seth. One guy that we worked with, he realized that one of his core values that was not being fulfilled was adventure. So he loved his job and he goes, I don't know what it is, I'm just dissatisfied. And we went through the values assessment and adventure was on there. I go, well, where are you getting adventure? And he said, you know, that's the problem. I'm not, I haven't had an adventure in two years. I said, so maybe in building your life,   (Adam Carroll) (38:21.538) we need to figure out where are you carving out adventure for yourself or your family to make sure that you're doing it. For him, community was a big part of it. And he was getting some of that in his day-to-day client interactions. But what he really wanted was to build a community of friends that would go do stuff together. And I said, that's on you, man. If you really want that as part of your life, you got to build whatever that looks like.   And what if you combine that and adventure? So you get a whole group of adventure seekers that get together three times a year to go skiing in Aspen or, you know, go skydiving on a weekend or whatever it is. What would that look like to do that? And he lit up and you know, I could do this right now. So to your point, I think we're all very, very close to having a fulfilled life and building a bigger life. But you do have to take time to figure out what does that look like for you.   For sure, for sure. And a lot of the folks listening are attorneys and doctors and they tend to have high suicide rates, all these crazy things, substance abuse. people from the outside looking in think, why? Because you're making all this money. You have this high profession that everybody looks up to and you're not unhappy. And that's why, because those folks...   folks like us, we're just really focused on just that occupation. And that's it. And we don't focus on some of the other things that would fulfill us and make us happy. tons of attorneys I talk to try to get, they're like, how do I start investing as quickly as possible? Make as much money as quickly as possible so I can get out of this job because I hate being an attorney or I hate being a dentist or whatever it is. But really, that might not be the issue. The issue is that you're not filling up those buckets outside of your   career. And if you were to start filling those buckets, start paying more attention to those things, you might not be as unhappy in your career. And you might actually find that you enjoy what you're doing because you're good at it. You worked really hard to get there and you're making a good bit of money doing it.   (Adam Carroll) (40:22.06) No doubt, no doubt. I would add to that, that I think the majority of professions that you just listed, dentists, doctors, lawyers, et cetera, what they really want is they want to maintain professional status, do what they do, they've gone to school, they've learned how to do it. But over time, they want to work less and less, not more and more. And if you're doing what you recommend on the show, and if you're leveraging something like the shred method to create it, you can get to a point where   half or more of your income, ideally all of it, is replaced by passive income. But it requires that you get really focused on working for the right reasons and not filling in the lack of fulfillment or unhappiness with a new car or the next do-dad or spending a fortune on something. Instead, decide, I'm going to go get into an investment this year that will begin the process of creating passive income for me to start building the life that I truly want.   And it is, it's pretty transformational once you figure out how to do it and what the next steps are.   Yeah, it's like the matrix. mean, you start kind of, as soon as you start, it becomes a game, how you said it earlier in the show, and you just start seeing things that you didn't see before. You start being presented with new types of investments and businesses that you can invest in that you never saw before, but they were right under your nose. It does turn into a fun game, a money game.   Yeah, no question. I was at a conference not too long ago and they were calling me Morpheus because I made a reference to the red pill or the blue pill. And they were like, dude, you're Morpheus. I just took the red pill. Now I'm going down the rabbit hole. So beware. Are you ready to take the red pill?   (Seth Bradley) (42:08.374) Love that, love that. All right Adam, before we jump into the freedom four, what's one last golden nugget for our listeners?   A golden nugget for your listeners is that money today is abstract. It's not a concrete thing. Several decades ago, you would be given cash or you'd pay for things in cash. And today, virtually everything is a cashless transaction. And when we're not using cash, it doesn't feel real. If we're using Apple Pay or we're swiping our card or tapping our card,   It doesn't feel real. In fact, there's no pain sensor that triggers when you do that. The opposite is true on Amazon. When you hit one click ship for $47, a pleasure sensor actually is activated because you're in anticipation of that thing coming to you. So we also have to realize that the more money you make, it feels like, well, the more you have to spend. But because money doesn't feel real, you're spending way more than you think you are.   because of the abstract nature of it. So some of that is like reigning back in and understanding these are real dollars that you're putting on a card or swiping on your phone or whatever it may be and deciding is this the best intentional use of this money or could I be using it to build the life that I truly want? And I will add to that Seth that it's very short. There's a short amount of time that it requires you to function just a little bit differently.   order to get there where all the passive income covers your wants. So just like intentionality for the next 12 to 24 months will make a massive difference in your life.   (Seth Bradley) (43:48.502) Yeah, that's all it takes. All right, let's jump into the freedom four. What's the best thing you do to keep your mind and body healthy?   I am part of an exercise group called F3 and it stands for fitness fellowship and faith. There's like 75,000 guys all over the world that do this every morning. And we get up, you know, rain, sun, sleet or hail. I mean, we were working out in like eight degree Fahrenheit weather this winter outside. It's always outside. And I love it. I do it four or five, sometimes six mornings a week. But for me, just getting up the first hour of my day will   will dictate what the rest of my day does. And so my F3 brothers and I, that's the right way for me to get started.   awesome. With all your success what is one limiting belief that you've crushed along the way and how did you get past it?   you know, this is, this is going to sound a bit like an oxymoron statement, but a limiting belief is that, man, there's so much opportunity. And for me, I'm a bright, shiny object guy. for years, my wife was like, just pick one opportunity, please just pick one. And so for me, it's, you know, it's the fact that there is so much I can do limits me because you can really get very, very good at one thing.   (Adam Carroll) (45:08.078) But I'm a big fan of James Clear and the book Atomic Habits. And he'll say that it's hard to get traction when your focus is divided. And so I've been really intentional about zeroing in on my focus and knowing that this is what I'm setting out to do. And it may be for 12 months or 24 months or five years. And I'll reevaluate along the way. But I've got one thing and I'm really focused on that. So that's been a limiting belief I've had to get over.   Awesome. Awesome. What's one actionable step our listeners can do right now to start creating more freedom?   Well, go to the shredmethod.com not to do a self plug, it is. Go watch the masterclass, see what we do and how we do it. If you are already intrigued by this and are wondering like, what should I do with a HELOC or should I have a HELOC? My answer to everyone is everyone should have a HELOC, everyone. If you have equity in your home, why do you not have a line of credit? If for nothing else to have that is an emergency.   of some kind. So point blank, the first thing you ought to do is go access a line of credit, be it a home equity line, a personal line of credit, a P lock, or a B lock, a business line of credit. can also do a cash value line of credit. But I think you got to have one of those because when you understand this method, this process, that's a linchpin to making this work.   Great. How is passive income made your life better?   (Adam Carroll) (46:42.698) you know, I like to call it mailbox money and, man, love mailbox money. When it shows up, I celebrate and I've, I've had a mantra for years that I'm a money magnet, that money comes easily and frequently, that I get more checks in the mail than I do bills. And I just repeat those mantras over and over again. So every time I set up another form of passive income, man, it's just like a win.   that you feel deep down inside. And it doesn't matter, Seth, if it's 50 bucks or 15 bucks or five bucks or 5,000, right? Total sidebar, real quick story, but I was sitting with a buddy of mine at a conference and he kept showing me his phone and he was clearly showing off. But every time he'd pop up his phone, was like another sale was made. And it'd be like $27, $170, $300. And I go...   Dude, how are you doing this?" And he said, I set up these funnels and it's just a little digital product I created and we're doing ads and we're putting all the people towards these ads. And I said, so how many of those do get a month? He goes, I don't somewhere between $9,000 and $10,000 a month is coming in. And I remember feeling giddy for him and giddy about the idea that this could be possible, that you could just do whatever you want to do every day. Go fishing, go surfing, be on a sailboat somewhere and pull up your phone and be like, well, this is cool. just made...   $800. So for me, we have started to build that into what we're doing. I now get alerts on my Apple Watch. It's a Slackbot. So every time a sale is made, it pops up. we went to Mexico over spring break and the vendors on the Mexican beaches, they bless themselves every time they make a sale. And so now when a sale pops up on my Slackbot,   I'm like, all right, I made a sale. This is awesome. So how has it changed my life? I'm more grateful. I sleep well at night. I have peace of mind. And I know that, you know, future generations are going to be taken care of by the wealth that my wife and I are creating.   (Seth Bradley) (48:45.29) I love it, All right, Adam, this has been incredible. We're going to let listeners find out more about you.   Well, you can find out more about me personally at adamcarroll.info. It's two R's, two L's, adamcarroll.info. And again, if you want to check out the Shred Method, we have lots of free resources. So you can go and do a ton of research. We have a savings analysis there that you can plug in your numbers and see how much you could save and how quickly you could be out of debt. All of that is available at theshredmethod.com.   All right, brother. Appreciate your time. Thanks again for coming on the show and we'll to have you on again soon.   Love it, Seth. Keep doing what you do, man. This is super important stuff.   Alright brother, talk soon.   (Seth Bradley) (49:28.578) Thanks for tuning in to Raise the Bar Radio. If you enjoyed today's episode, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Keep pushing, keep building, and keep raising the bar. Until next time, enjoy the journey. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Adam Carroll's Links: https://www.threads.com/@adam.carroll/ https://www.instagram.com/adam.carroll/ https://www.linkedin.com/in/adamcarrollspeaks/ https://www.facebook.com/AdamSpeaks/ https://x.com/adamcarroll https://open.spotify.com/show/1fPEUnWdnbcOcbYdksY1Yi https://www.youtube.com/channel/UCJREGkPP6UwMucJMPvDS8xg

Reading doesn't have to be a silent, solitary activity. In this episode, we're diving into narration and discussion. These are two simple but powerful tools for deepening reading comprehension. We'll show you how to use retelling, dialogue, and even sibling book clubs to help your kids process what they read, build memory, and think critically. Whether you're homeschooling younger readers or talking through chapter books with tweens, this episode will help you make reading more interactive and meaningful. Find Secular Curriculum with our Resource Selector https://www.homeschool-together.com/secular-resources Support The Podcast If you like what you hear, consider supporting the podcast: https://homeschooltogether.gumroad.com/l/support Consider Leaving Us A Review If you have a quick moment, please consider leaving a review on iTunes - https://podcasts.apple.com/us/podcast/homeschool-together-podcast/id1526685583 Show Notes Build Your Library - https://buildyourlibrary.com/ Torchlight - https://torchlightcurriculum.com/torchlight/ Blossom and Root - https://www.blossomandroot.com/ Atomic Habits - https://amzn.to/4lK030t Connect with us Website: http://www.homeschool-together.com/ Store: https://gumroad.com/homeschooltogether Youtube: https://www.youtube.com/c/homeschooltogether Facebook: www.facebook.com/groups/homeschooltogetherpodcast/ Instagram: www.instagram.com/homeschooltogetherpodcast Twitter: https://twitter.com/hs_together The Gameschool Co-Op: https://www.facebook.com/groups/gameschoolcoop/ Email: homeschooltogetherpodcast@gmail.com

Episode Summary: In this honest and reflective episode, Molly shares her personal journey with More Dry July and what it really means when your outcome doesn't match your original goal. She walks through her mindset shift from chasing perfection to reinforcing identity, and how 21 alcohol-free days—rather than the planned 24—still powerfully reflect the systems she's built as an Alcohol Minimalist.Drawing from James Clear's Atomic Habits and Elizabeth Benton's Chasing Cupcakes, Molly explores how honest tracking, identity-based change, and keystone habits can keep you aligned even when things don't go perfectly. She also shares a powerful metaphor that reframes each alcohol-free day as a building block in the foundation of a peaceful relationship with alcohol.Whether your July was a success by the numbers or felt a little off-track, this episode will remind you that your next decision matters far more than your last one—and that progress is always possible when you stay connected to who you are becoming.In this episode, you'll learn:Why prioritizing alcohol-free days matters more than perfectionHow “alcohol-free-ish” thinking can undermine honest accountabilityThe difference between tracking outcomes vs. living your identityWhat it means to own your behavior without excuses or shameWhy each AF day is like stacking a brick in your foundationResources and Links:Atomic Habits by James Clear: https://jamesclear.com/atomic-habitsChasing Cupcakes by Elizabeth Benton: https://amzn.to/3KXh2xQStart your Sunnyside trial: https://www.sunnyside.co/mollyWork with Molly or learn more: https://www.mollywatts.comQuote of the Week: "You do not rise to the level of your goals. You fall to the level of your systems." – James ClearLow risk drinking guidelines from the NIAAA:Healthy men under 65:No more than 4 drinks in one day and no more than 14 drinks per week.Healthy women (all ages) and healthy men 65 and older:No more than 3 drinks in one day and no more than 7 drinks per week.One drink is defined as 12 ounces of beer, 5 ounces of wine, or 1.5 ounces of 80-proof liquor. So remember that a mixed drink or full glass of wine are probably more than one drink.Abstinence from alcoholAbstinence from alcohol is the best choice for people who take medication(s) that interact with alcohol, have health conditions that could be exacerbated by alcohol (e.g. liver disease), are pregnant or may become pregnant or have had a problem with alcohol or another substance in the past.Benefits of “low-risk” drinkingFollowing these guidelines reduces the risk of health problems such as cancer, liver disease, reduced immunity, ulcers, sleep problems, complications of existing conditions, and more. It also reduces the risk of depression, social problems, and difficulties at school or work. ★ Support this podcast ★

Title: Build a Bigger Life, Not a Bigger Lifestyle: The Real Path to Freedom with Adam Caroll Summary: In this episode of Raise the Bar Radio, guest (Adam Carroll) shares his journey from a traveling professional speaker to building sustainable wealth through passive income strategies. After realizing the limitations of trading time for money, Adam developed The Shred Method, a cashflow reorientation system that minimizes debt interest and frees up capital to build liquidity and invest. By leveraging lines of credit and algorithm-driven cash deployment, individuals can rapidly pay down debts and reallocate savings into passive income streams like real estate syndications, intellectual property, and other alternative investments. Adam stresses that most high-income earners don't have an income problem - they have a liquidity problem tied up in low-access retirement plans and excessive spending. Finally, he expands on his philosophy of "building a bigger life, not a bigger lifestyle," urging professionals to align spending and time with their values to achieve fulfillment and financial freedom within 10 years. Links to Watch and Subscribe:   Bullet Point Highlights: Trading time for money is limiting. Adam shifted from paid speaking gigs to building passive income streams for true freedom. The Shred Method minimizes interest expenses. By using cashflow more efficiently through lines of credit and optimized algorithms, debt is paid down faster, freeing liquidity for investing. Passive income is key to wealth. Adam focuses on real estate syndications, ATM tranches, intellectual property, and digital products to generate consistent, diversified passive cash flow. Most people have a liquidity problem, not an income problem. Money is often locked in 401(k)s or spent wastefully — instead, creating accessible liquidity allows for opportunity-based investing. Building a bigger life requires intentionality. Aligning spending and actions with core values (like family, freedom, growth) leads to fulfillment — not just more stuff. The game becomes fun. Once passive income starts flowing, investing becomes strategic, diversified, and compounding — eventually replacing active income and creating financial independence. Anyone can implement this. While you can DIY, Adam recommends coaching to fast-track understanding and execution of the Shred Method. Transcript: (Seth Bradley) (00:02.094) What's up, Builders? This is Raise the Bar Radio, where we talk about building wealth, raising capital, and all in all, raising the bar in your business and your life. This is the No BS podcast for capital raisers, investors, and entrepreneurs who are serious about scaling their business and living life on their own terms. I'm (Seth Bradley), securities attorney, real estate investor, and entrepreneur, bringing you world-class strategies from the best in the game.   If you're ready to raise more capital, close bigger deals, build a better you and create true financial freedom, you're in the right place. Let's go. Adam, what's going on, brother? Welcome to the show.   Hey Seth, thanks for having me, man. I'm excited about our conversation today.   Yeah, dude, super stoked to have you on today. It's going to be an awesome show, man. Let's dive right in. Tell us a little bit about yourself, your background. Take it back as far as you want to. Yeah.   Well, for the last 15 years or so, almost 20 now, guess, I've been making my living, opening my mouth and just speaking on stages all across the country. Had the opportunity to do a couple of international gigs, which was a blast. And in the midst of all that, making my living as a professional speaker, I realized that if I was very similar to your audience, if I wasn't doing the deal, doing the gig, doing the engagement, I wasn't getting paid.   (Adam Carroll) (01:26.184) And so a mentor of mine said, the goal is not to go to work and get paid. The goal is to go to work and get paid, get paid, get paid, get paid, get paid, get paid, get paid. And so I started figuring out that what I really wanted to do with the messaging that I was delivering was turn it into sort of a mediapreneurship where I was a mediapreneur creating content, but then I'd get paid for the content over and over and over again. And that today looks like I've written a bunch of books.   I've got a documentary that I produced that aired on CNBC. And now we're starting to get into more of a SaaS business, which I'm sure we'll talk about. That's the shred method. But I, you what I do when people ask me, I tell them, I love to educate people about new and different ways of building a bigger life, not a bigger lifestyle. And I would say you and I have that in common, because I know you're doing that on the show.   Yeah, absolutely, man. I gotta ask, how do you become a professional speaker? I bet a lot of people are thinking about that.   The origin story is kind of interesting because I was a clothier at the time in Denver, Colorado. And I was literally going out and meeting with high level executives in their offices, selling them custom made suits and shirts and sport coats and pants and whatnot. And it occurred to me in the middle of a meeting at one point, an appointment with one of my clients that I didn't want to measure in seams for the rest of my life. And I'll keep it PG but   This guy was one of my favorite clients. He was irreverent and funny and wasn't afraid to spend money on clothes. But this particular day, he confided in me that he wasn't wearing any underwear. And I was just like, dude, JP, what? You knew I was coming here today. He's like, I know, I just forgot. I'm sorry. I'm sorry. And I walked out and I went, I don't want to do this anymore. I just don't want to do this. And the company that I worked for is a fairly well known clothier. But   (Adam Carroll) (03:22.55) Every day I would drive around in my car listening to motivational messages. You know, they were on CDs at the time. I'm going to date myself, but I would listen to like Mark Victor Hansen and Jack Canfield and Les Brown and Zig Ziglar. I would listen to all these CDs in my car. And Mark Victor Hansen said on one of the CDs that public speaking is one of the most noble professions because you get to travel the world. You get to change people's lives and you make a lot of money doing it. And I remember thinking.   That's what I want to do. All three of those things rolled into one. And so I reached out to a buddy of mine and said, dude, I don't think I'm in the right job. I need to be doing something else. He said, what do you want to do? And I told him, and you know how the universe kind of works in mysterious ways. He goes, well, Anne, who used to work with us, she works for a company that that's all they do is hire speakers. And so I sent in a tape, I auditioned, I got the gig.   And I was a W2 employee of theirs for about two years and then realized that I was being underpaid for the work I was doing, that I was actually probably one of the top 10 % of speakers on the roster. And then I realized that when you can make anywhere from a thousand to $5,000 an hour doing that, it was a pretty good paying gig if you were out on your own. I took the jump and have been doing it ever since.   Interesting man. I didn't realize that you could have a W-2 as a speaker I thought everybody that was speaking was getting the speakers that were getting paid, you know They were kind of doing it on their own. I don't realize there was kind of a there was a way to do it where there's a company that pays W-2 wages to speakers to speak it events. Yeah, it's interesting   It is interesting because there are companies that will hire you as a speaker to go and it may be sell their product or service. Or in this case, I was working for a company that was a division of monster.com, the job search company. And I was, I was speaking to high school and college students all across the country. And I probably presented to like 200,000 people in, two years time. So it was just a great practice run and a great way to cut my teeth on a very difficult audience. Because.   (Adam Carroll) (05:36.814) I don't know if you've ever been around a freshman in high school or a sophomore in high school, but they're like the most apathetic human beings on the face of earth. They don't want to be there. I could have lit myself on fire and they'd been like, cool, what else you got? And then when I realized that there were speakers like me that were out who basically just said, this is my topic. This is my specialty, if you will. And here's the rate. And the more they spoke and the...   we have a theory that the more you speak, the more you speak. So once you get out, you hang your own shingle and say, I'm a speaker in this topic, people begin to know you as that person. And then word gets around and obviously you have to not suck on stage. That's part of it. But if you're great at keeping audiences attention, and I really studied NLP, neuro-linguistic programming to use the right words, I studied comedians to figure out what was funny and what wasn't, and it just worked.   Over time, I had more more bookings and at the peak of my career, I was doing like 70 or 75 gigs a year.   Wow, wow, that's incredible. Definitely didn't realize that was your background. I remember those folks coming to like the office and selling suits and doing that sort of thing. So that's pretty interesting. I'm sure a lot of listeners out there are familiar with that process as well.   Yeah. Yeah, it was, it was a great, it was a great gig. mean, I met all sorts of really phenomenal business people. And I think for me, it was, it was like confirmation that I had this desire to, to impact people. And my boss at one point, he was like, Hey, these people love you. They want you to come around. They love the discussion and the conversation. They need to buy stuff from you. And, and there was a.   (Seth Bradley) (07:01.639) sorry, go ahead.   (Adam Carroll) (07:26.574) It's kind of a realization for me that I didn't necessarily want to have to sell. wanted people to buy. And speaking makes it real easy to do that.   Hmm. Yeah, makes sense. Let's jump right into it, man. Let's talk about the shred method. A lot of folks will find this very interesting. I know that I do. What is it? And let's just start there. What is it? Tell us a little bit about it.   Yeah, the shred method, first of all, thank you for asking. it's, it's, for me, I don't say this lightly, but nothing has built more wealth for me and my family than following this model. And the reason for it is there are two great expenses that everyone has in life. And I'm sure all of your listeners, be they attorneys, doctors, other professionally degreed folks.   If you're in a W-2 job, you know this to be true. The two greatest expenses we have in life are taxes and the interest expense on debt. Those are the two greatest expenses. And a gentleman that I had met years ago who helped me with tax situations, just a brilliant, brilliant strategist, he said, Adam, if you focus on minimizing your tax liability, that will get you halfway there. And it's very easy to do, buy real estate, have depreciable assets.   you know, make personal expenses, business expenses, etc, etc. But he said, if you can focus on minimizing the interest expense on debt, this is like a video game that you can't lose. And so when I learned about the shred method, and this is known by a variety of different terms, some people call it an Australian mortgage, it's called velocity banking, we've taken those concepts and turbocharged them.   (Adam Carroll) (09:09.474) almost like putting nitrous oxide in a gas tank, you know, in terms of making it go faster. But the shred method is a unique tool and a way of reorienting your cash flow through your household so that it is being used to the most efficient use possible. And to kind of qualify that, Seth, if you were to leave your home in the morning to go to the grocery store, as an example, and you came back home, emptied the car out,   knowing you had to go to post office at like 4 p.m., would you leave your car idling in the driveway all day?   (Adam Carroll) (09:46.284) Nope. No, and why wouldn't you?   Wasteful.   Yeah, wasteful, you'd burn gas, it'd be hard on the engine. It's just inefficient, right? And yet what most people do is they get their income, their income gets deposited into a checking account, and it sits there for days, weeks, months, sometimes years on end. And we never really use it to its highest efficiency. Meanwhile, we might have debts, commercial debts, primary mortgages, might have student loans yet. And all of those are accruing amortized interest.   right? And you might say it's compound interest working against you to a certain extent. But at the very least amortized interest means that the majority of the interest you're paying on that debt is upfront, it's in the first one to five years. And so the shred method teaches people how to take that income that is being super inefficient in an account, and instead begin to apply it through a process that allows you to blast away   the highest interest or highest payment debts that you have, freeing up cash flow, building equity, and ultimately, and this is the key, creating liquidity to go buy passive income properties, if you will, or other passive income plays.   (Seth Bradley) (11:02.058) Interesting. Yeah, and we actually haven't had anyone on the show to speak about this method, whatever nomenclature you might use. So let's go in a little bit more detail. mean, what is the vehicle? What is this flow of money that you're talking about?   So, know, logistically, here's how it works. Money typically would just get deposited into checking. You pay everything out of checking your mortgage, your car loan, your credit cards, living expenses. And the gurus would tell you that anything extra should really go towards savings and investments, right? And for most people, it goes to Costco, Target and Dining Out. That's where it goes. You know, it doesn't stay in the account, doesn't go into savings. If it does, it goes there for a small period of time. I think that most people   don't really have a savings account, they have a put and take account, because they put a little bit in, take a little bit out, put a little bit in, take a lot out. So the way this works is the money instead of being deposited straight to a checking account gets deposited into what we call a shred account. And the shred account could either be a line of credit, or it could be just a side account of money that you have sitting there that has not been accessed in some time. And what we tell our users is that   you really want to have either a line of credit or a shred account that is one and a half to two times what your monthly net take home is. So if you're bringing home 10 grand a month net, then ideally you want either a line of credit or a shred account of 15 to 20 grand. And the magic of this is the money is going to flow into that account. But the shred method is powered by a piece of software that is based on an algorithm that's tracking your income.   your expenses, the interest that you're paying on all your debts, and how much discretionary money you have available at any given point in time. And essentially, we're leveraging that in really short bursts of time against your largest debts, which could be, again, student loans, could be your mortgage, could be commercial properties. And in doing that, what we're doing is we're saving copious amounts of interest, like literally tens to hundreds of thousands of dollars.   (Adam Carroll) (13:11.122) And in the process, we're freeing up a ton of equity. So people that are saying, hey, I'm paycheck to paycheck. It's hard for me to figure out how am I going to invest more money? We're telling them the money is going to come from the equity that you're creating in your properties by paying them down rapidly.   I love that because I can see where this is going to potentially free up some extra cash to invest. A lot of folks out there, including myself back in the day, we got caught up in this thing we call the golden handcuffs where we're just spending everything. Like you said, we're spending it on Target, on eating out, on things that we really don't need. mean, there's a time and place for spending money on having a good time and enjoying your life for sure.   But we just we tend to overdo it as our income grows our expenses grow right along with it And a lot of people that I talked to about investing they're like, you know I don't have fifty thousand dollars to invest in this real estate deal or a hundred thousand dollars in this real estate deal and it's like well Well, why don't you you know make three hundred thousand dollars you why don't you have fifty thousand dollars to invest in this awesome deal? Right or to you know, put aside for your emergency fund. Like why don't you have these things set up?   So, you know, we always have to walk them through, you know, the expenses is the issue. Really, it's what are you spending all this money on? we try to find how they can save on those expenses so that they can invest in these assets that are really going to set them financially free.   No doubt. And I think you hit the nail on the head. If somebody's making, and honestly, I tell people if you're making six figures plus $100,000 plus, and you don't have 10, 20, $50,000 ready to go, there's something fundamentally wrong. And here it is, we're sending too much money to our banker, and it just goes up in smoke. Right? We like to refer to it as the interest to income ratio, which is if you take how much income you make,   (Adam Carroll) (15:11.694) and you back out how much of that income is actually going to pay interest expense, it'll probably blow your mind. If someone's got a multi-six figure home or mortgage that they're paying on, and they've got student loans, and maybe they're driving a $50,000 to $100,000 vehicle with a payment attached to it, you're probably burning 50 to 60 grand a year in interest and not really thinking twice about it. So what this does is it starts to claw back some of the money that you're sending to your banker.   Which by the way, they make plenty of money. They don't need your money. That is the most profitable business out there is banking and lending. mean, literally, Seth, if you drive two miles around your property there, how many banks would you be able to stop at, do you think? Ballpark best guess.   Right, half a dozen.   Easily, right? And they're probably $10 million buildings minimum. Out there, they're even more, right? So, so this is the deal. They're profitable business ventures. And what we have to remember sometimes is we are their compound interest vehicle, right? Us making our payment every single month is what makes the banks all the money. And if we can game that system, if even for 12 to 18 months at the very beginning of our debt,   we can strip away a huge chunk of the interest that we would normally be paying them over the course of a decade or more. To your audience, that's how I'd say this is how you find the extra 50 or 100 grand because you do have it and it should be in the equity of your property and easily accessible as a liquidity tool. It just isn't because you haven't challenged the banking system.   (Seth Bradley) (16:57.073) Yeah. Now, is this something you can set up yourself or is this something that you need an expert to kind of walk you through? I'm sure if you could probably do it either way. It's just like anything else. You want to take the shortcut or not. But yeah, I just like to know your thoughts on that.   You're exactly right. I I could build a deck on my house if I wanted to and had three months to learn how to do it. Anybody can learn how to do this. My question to most people when they say, I do this myself? I'll say, yes, why haven't you? And for that, the investment with us is very minimal, mainly what it is is coaching and being able to help people get the logistics right. Because once they get it, it's very simple.   but there requires a little bit of retraining the brain in terms of how to handle your money and where the cash flow goes, because it's so, it's like so ingrained in us to live in the banker's business model, put money in checking, pay your bills, anything leftover goes over here. And if you look at it critically, the two groups that are really making money using the existing platform are bankers,   and any advisors that are accepting your money and then turning around and doing something with it. A friend of mine used to call it the helper class. So when the helper class has your money, they're making a ton of money, probably more than you are. And that's our goal is to begin to start to pull back some of the money from the helper class to keep it for ourselves to build those massive passive permanent streams of income.   Yeah, yeah, that makes sense. We tend to bash a few of those helper class folks. I mean, they're not all created equal, including some financial advisors and folks like that that, you know, they're okay people, but their interests aren't necessarily aligned with yours.   (Adam Carroll) (18:51.576) That's right. I would agree with that. I don't want to villainize them, but I think that personal finance is personal. The challenge that I have with anyone out there who espouses a certain way, mine included, is it has to be for the right kind of audience, the right avatar. From our perspective, the people that we help out are the ones who do want to break free from the W-2. They want to create massive passive permanent streams of income.   Over time, they'd like to build a bigger life, not a bigger lifestyle. So if someone's chronically overspending, got to have the newest of the new every single time, they may not be a perfect fit with our strategy because the goal is to continually increase your income while either keeping your expenses similar or even trending down over time, which is not to say that you can't expand where you're spending. Your income is increasing exponentially relative to your expenses.   we do that through the model that we're teaching people. So, you if you're a new car every six months or 12 months kind of person may not be a perfect fit. But if you're somebody who's like, hey, the debt's kind of oppressive, I want to get rid of it. And I want to build, you know, massive wealth for future generations, then generally speaking, we're a pretty good fit for for those folks.   Yeah, yeah, that makes a lot of sense. And I feel like there's, there's probably, it's probably a math equation, right? Like we can't necessarily do it on this show because it's, everybody's taking it in by audio for the most part. there's gotta be an algorithm and you could probably, you know, set those expense numbers and interest numbers that you're paying on your mortgage and other debts and what you're going to pay on that through the shred method and kind of see the savings and how you can grow that wealth year over year.   You're exactly right. It is super fluid. So if your income changes, your expenses change, we plug all that data in and hit recalculate and the thing automatically adjusts to whatever your expenses are. So one of the things that I would never fault anyone for is taking awesome vacations or buying a new car, whatever your choice is. Again, we're not going to villainize anyone for living their life.   (Adam Carroll) (21:06.67) But what we can do through shred is to say, hey, if you're going to drop 10 grand on a vacation, it's going to change your payoff by a month or two months or six months, depending on your income and discretionary income. And if someone knows that and they're planning on it, at least they're armed with that information as opposed to, gosh, we shouldn't do this, but we did or should we buy this $50,000 card? Does it make sense? Or 80 or 150 or whatever your number is.   We can show you exactly do it, just know this is what it changes in the process.   Yeah, yeah, I like that because you can just show them this is the impact it's going to have on paper before they do it and then you can make a better decision on whether or not you want to do that or not.   Absolutely. And furthermore, and you'll appreciate this, I know you're of this mindset, you'll get to a point where it's like, if you want the new car, then invest the money in a syndication or another property that puts enough money in your pocket, you can go pay for the car. But let your assets pay for your liabilities. And I think that's the main thing that many people, I'm sure your listeners, certainly folks that we engage with.   They don't have a lot of assets. They work hard, they make good money, but that is the sum total of their income, is active income. And our goal is to increase passive income over time where it supersedes your expenses because at that point you're financially free.   (Seth Bradley) (22:36.758) Right, right. What are some of the passive investments that you're involved in or that you recommend to people once they've implemented this system and they're trying to build those passive income streams?   Yeah, there are a number of them and I keep getting introduced to more and more all the time, Seth. I mentioned that, you know, that I was a mediapreneur and that the goal was to work, do the work and then get paid, get paid, get paid, get paid. So I started looking for other passive income streams. I really do love real estate. I've been invested in real estate for a long time. We divested of personally held real estate about four or five years ago. And   You know, I think I was too early to the party, but I thought the market was peaking and I thought I could get the max amount out of my properties. And I think I did at the time. And then we were introduced to syndications and we started really appreciating the fact that you could own a piece of a 350 unit apartment complex in South Carolina or Houston, Texas, or some other growing city and get a couple things, either monthly or quarterly income. You could get bonus depreciation.   And you basically got a K1 at the end of the year, which allows you to claim some of those expenses. And so we love syndications. We try and stack syndications on top of each other. they're coming due. They're selling every three or four or five years. So we'll put an amount of capital in knowing that it's going to turn over in short order. And we'll have another amount of capital to put in. And generally speaking, that capital amount just keeps going up.   So we love syndications. I've been introduced and we haven't pulled the trigger yet, but on ATM tranches where you can buy, have you heard this investment? Yep. So you can buy, you know, an amount of ATM machines where you're basically compensated on whatever the fee revenue on those are. There are many advantages to those. There are some drawbacks to it, but it's again, a passive income stream and one that's fairly consistent.   (Seth Bradley) (24:25.798) yeah, for sure.   (Adam Carroll) (24:44.59) Then I really like intellectual property plays. I will tend to invest in a business that has some IP and it may not cashflow right away, but I know that in two or three years, the IP is probably going to be worth something. It's more of a long-term play for me. I'm not going to put as much in it, but we have a couple of 25 to $50,000 investments in those kinds of deals as well. That, in addition to books and   documentary is still selling and things like that I'll keep doing. For me, the process of creating passive income is kind of a game. And so whatever the next thing is, I'm digging in, I want to learn it. total sidebar, but I'm trying to teach my sons and my daughter, this is the way of the future. It's not about working a nine to five and getting W2 and staying with the company for 30 years, it just doesn't happen anymore. It's about setting up   just perpetual income streams that allow you to live the way you want to live. And that, you know, I think that answers your question, hopefully.   (Seth Bradley) (25:52.174) Pardon the interruption, but we don't do ads. Instead, know that if you're raising capital for real estate, my law firm, RaiseLaw, is here to give you the expert legal guidance you need to raise capital compliantly and structure and close your deal. And if you're looking for a done-for-you fund-to-fund solution, Tribest is the industry's only all-in-one setup and fund administration solution. Visit Raise.Law and Tribest.com to learn more.   Yeah, yeah, that's right. You're preaching to the choir here, man. That's awesome. And you're kind of pretty deep into it. A lot of people will invest in a syndication and it is expensive to get involved, right? I mean, it's 50 grand or so or more to get into one of these things. And they're like, okay, I'm done. But you can't be done. You have to keep saving, keep investing. And you're in it to the point where past investors start really start accumulating wealth because they start stacking.   They start coming due every two, three, four, five years. You put it back in another one and they just compound on each other. And you're really accumulating this tax free if you stack them correctly. So it is an incredible vehicle once you get going. And it does turn into a game. I mean, you can look at your bank account or look at your personal P &L and just see how it's growing over five, 10 years. It's incredible. And you're not doing any work. You're vetting the sponsor, the market and the deal and really just the sponsor once you get really good at it.   and you keep reinvesting with the same sponsors that you like and there's no work involved, no tenants, toilets and trash, none of that.   Yes. Yes. And I think you hit the nail on the head when you find a sponsor you really like and you jive with, it's easy to roll the money over to them because they're constantly looking for the next deal. their reputation, their personality, everything is based on their success. they have a very, very vested interest to make you money. And so I don't think I fully realized when I was younger   (Adam Carroll) (27:50.35) the power of having the ability to write a 50 or $100,000 check. And once you get there and you can do 50 or 100 or get to a point where you can write a $500,000 or a million dollar check, things change drastically because there are syndicators out there that will take a million bucks. They'll pay you $90,000 a year guaranteed on the investment. You'll get bonus depreciation and write-offs and all of that. And you'll have like a...   200 % return on it within four or five years, three, four or five years. That's where you can buy a new car every year or two or three, because you need like a $75,000 or $80,000 write-off to your business. So you need a truck or you need a heavy vehicle,   Yeah, yeah, that's right. I mean, that's a good point. mean, people that have $500,000, a million dollars or more liquid, I mean, you can just look at a simple math and you get an 8 to 10 % return on that in cash flow, just in cash flow. You know, if you're living reasonably, you can live off of that. So, yeah, so you can be, you you don't need $10 million, $20 million to retire off of this if you invest in the right deals.   Totally. Totally.   (Seth Bradley) (29:03.926) and kind of spread it across, diversify in different deals, different sponsors, different geographies, different asset types. You can be retired if you want to. It's closer than people think.   I would agree. We have a theory that nearly everyone and certainly your audience could be free, done, done completely in 10 years or less. Absolutely. We call it a 10-year freedom plan. the challenge, think, Seth, and I would be curious your take on this, but I think the challenge for most people is not necessarily an income problem. It's a liquidity problem. So you make good income, right? And we talked about it. It's the expenses that factors in.   But where the majority of your investments go are probably in qualified funds. They're sitting in 401ks and Roth IRAs. Unless it's self-directed, you can't really access it till you're 59 and a half. And even then it's 59 and a half to 70 and a half, you have free rein access. Otherwise the government's regulating how much you take out without fees or penalties. That's a liquidity problem. And so the shred method takes that into account and starts to build   pockets or buckets of liquidity that you can draw from. The first is your home equity, or it could be equity in a commercial property. And then the next would be building a bank of money that you're borrowing from at some point in time, just another bucket. And the more buckets of money that we create, the more liquidity you have and the more investments you can get into, thereby increasing your passive income. So to your point, you do this well, it's like a video game you can't lose over time.   Yeah, yeah, that's right. And we've been programmed to think if we have a high paying job, we just put as much as we can into a 401k and we're doing the right thing and we're doing everything that we need to do and we're not and then everything that doesn't go into that 401k we're spending. So we're not saving anything else. We're not keeping anything else liquid. And we're just assuming that we're going to be okay because we put this money in the 401k. Well, like you said, you can't access it until you're 60 years old. That's right. Unless you take it out with a major penalty. So   (Seth Bradley) (31:10.062) You know, one way to do that obviously is to roll it over in an SDIRA or self-directed, I'm sorry, 401k, the self-directed, something that you have some control over. And then it does become liquid in the sense that you can at least invest it in things that you want to invest in rather than a financial advisor or just stocks, bonds and mutual funds. And then as you said, there's different ways that you can free up liquidity, a HELOC.   something like that borrow against a life insurance policy we've talked about infinite banking policies things like that there's there's creative ways to do it you just need to be aware of it most people just aren't aware of how to how to do that   Yeah, I think that's what's so valuable about your show too, man, is that we only know what we know. And there's an enormous amount that we don't know we don't know. So when I got introduced to syndications, and I got introduced to the ATM tranches, and I'm looking at these going, you know, there is risk, there's risk in everything. But the risk is so mitigated. And you don't realize that if you're writing $100,000 check, and they're saying, yeah, we're going to pay you 9 % guaranteed.   And these are some syndicators will promise an interest rate based on what class of investor you are, A, B, C, D, whatever it may be. But when I looked at that and I go, if I'm striving to get eight to 10 % in the S &P 500, and I have zero control over that, where would I rather be placing my money? That was something I didn't know I didn't know. And it's always fascinating to me to begin sharing this with people because   When I share the shred method, a lot of folks go, not too good to be true. If it's so good, why isn't everybody doing it? And what I'll tell them is because of human behavior and because the bank's lobbies and their marketing engine is so powerful. But it's not magic, it's math. We're taking mathematical principles, risk-based principles and applying it to real estate or finance and figuring out how to make an amount of money that will supersede what you're.   (Adam Carroll) (33:13.782) your W2 job is pretty simple. That's right. Yeah.   Yeah, pretty simple. It's math. Just got to get it down on paper, right? Yeah. All right. Let's switch gears a little bit. I want to quickly get into, you know, this concept that you preach about building a bigger life at work because I think that's, you know, inspiring and that sort of thing and really life in general, right? Tell us about that concept and kind of dive in a little bit.   Yeah.   (Adam Carroll) (33:37.964) Yeah, you know, this started, it would actually started from a conversation I had with a recent college graduate, and they had gotten an advanced degree, they were going into a high paying job. And I think they'd been at it for maybe nine months or so. And we were having coffee and this person said to me, I'm just not satisfied. And I said, Well, what what is it you're not satisfied with? And they said, Well, the issue is that I thought at this point in time after graduating, he'd be traveling the globe.   You know, that was what he had always romanticized was just tons of travel and do whatever he wanted to do. And I said, well, what's keeping you from that? And he goes, well, you know, I just got into this long-term lease apartment. go, okay. And he said, and I bought a bunch of furniture that I financed. And, and then it's like, okay. He goes, I have a couple of gym memberships, not one, two gym memberships, you know, each probably 80 to 120 bucks a piece a month had a car payment because he needed a fancy car. And I said,   Dude, it sounds to me like you're building a bigger lifestyle, not a bigger life. And what you're asking for is a bigger life. And that became almost a deep dive search for me on what would building a bigger life mean for me and my family. And what I did, Seth, was I started digging into what are my core values? How can I live according to those core values, not according to my neighbor's core values, you who may be drastically different than mine? And...   I ended up writing a book called The Build a Bigger Life Manifesto, which breaks down how do you do this step by step. And there are 10 core tenets. And the first one is you got to build on a strong values foundation, like understanding what is it truly you value in life. And if you're doing more of that, then your life should be fulfilling. And mine are family, freedom, love, growth, and connection. And if I'm fulfilling those five buckets on a weekly basis, generally speaking, I'm really fulfilled.   And so the second is have a bigger vision and a bigger vision for your life might mean I'm not going to stay in this job for the next 20 years and hopefully make partner. then hopefully, because we all know that as you get promoted in a W-2 job, it doesn't mean you work less. It means you work more. And so my bigger vision was I want to make my vocation, my vacation. I'm going to speak, but I'm going to speak in cool places that I can take my family to. People are going to pay me really well to do it.   (Adam Carroll) (36:03.368) and I'm going to do it X number of times a year. And then I started asking, and this is the third step, asking bigger questions. And bigger questions look like, okay, so if I wanted to do that, how would I get better at speaking? How would I get so good that people will pay me 10 or 15 or 20 grand to go do what I do for an hour? What would that look like? I started asking not how would I pay my house off early? How would I pay my house off by the end of this year?   And when I asked that question, answers started coming and we were able to do it. So this is kind of the layout of how we walk people through this process. And for me, a bigger life today is just that, you know, I live for my family. I want to travel with them. I want to have tons of fun with them while they're still in the house. I have two teenagers and one in college. And soon, you know, eventually they'll be gone and it'll be my wife and I going and living the life that we most want.   Our lifestyle right now is pretty locked in. We have a beautiful home, we drive nice cars, but everything's paid for. And at this point, the goal is just to continually create massive passive permanent streams of income that afford us the ability to be generous, to live the life we want. And ultimately for me to be able to go share that message with other people.   And something so simple that you did there, it's just, you know, ask yourself what's important. A lot of us don't take the time to think about why we're upset, why are we not happy. And a lot of it comes down to not filling those buckets that are important to us on a regular basis. to be able to figure that out, you've got to take a few moments to think deeply about what it is that's important to you.   100%. And I'll give you a great example, Seth. One guy that we worked with, he realized that one of his core values that was not being fulfilled was adventure. So he loved his job and he goes, I don't know what it is, I'm just dissatisfied. And we went through the values assessment and adventure was on there. I go, well, where are you getting adventure? And he said, you know, that's the problem. I'm not, I haven't had an adventure in two years. I said, so maybe in building your life,   (Adam Carroll) (38:21.538) we need to figure out where are you carving out adventure for yourself or your family to make sure that you're doing it. For him, community was a big part of it. And he was getting some of that in his day-to-day client interactions. But what he really wanted was to build a community of friends that would go do stuff together. And I said, that's on you, man. If you really want that as part of your life, you got to build whatever that looks like.   And what if you combine that and adventure? So you get a whole group of adventure seekers that get together three times a year to go skiing in Aspen or, you know, go skydiving on a weekend or whatever it is. What would that look like to do that? And he lit up and you know, I could do this right now. So to your point, I think we're all very, very close to having a fulfilled life and building a bigger life. But you do have to take time to figure out what does that look like for you.   For sure, for sure. And a lot of the folks listening are attorneys and doctors and they tend to have high suicide rates, all these crazy things, substance abuse. people from the outside looking in think, why? Because you're making all this money. You have this high profession that everybody looks up to and you're not unhappy. And that's why, because those folks...   folks like us, we're just really focused on just that occupation. And that's it. And we don't focus on some of the other things that would fulfill us and make us happy. tons of attorneys I talk to try to get, they're like, how do I start investing as quickly as possible? Make as much money as quickly as possible so I can get out of this job because I hate being an attorney or I hate being a dentist or whatever it is. But really, that might not be the issue. The issue is that you're not filling up those buckets outside of your   career. And if you were to start filling those buckets, start paying more attention to those things, you might not be as unhappy in your career. And you might actually find that you enjoy what you're doing because you're good at it. You worked really hard to get there and you're making a good bit of money doing it.   (Adam Carroll) (40:22.06) No doubt, no doubt. I would add to that, that I think the majority of professions that you just listed, dentists, doctors, lawyers, et cetera, what they really want is they want to maintain professional status, do what they do, they've gone to school, they've learned how to do it. But over time, they want to work less and less, not more and more. And if you're doing what you recommend on the show, and if you're leveraging something like the shred method to create it, you can get to a point where   half or more of your income, ideally all of it, is replaced by passive income. But it requires that you get really focused on working for the right reasons and not filling in the lack of fulfillment or unhappiness with a new car or the next do-dad or spending a fortune on something. Instead, decide, I'm going to go get into an investment this year that will begin the process of creating passive income for me to start building the life that I truly want.   And it is, it's pretty transformational once you figure out how to do it and what the next steps are.   Yeah, it's like the matrix. mean, you start kind of, as soon as you start, it becomes a game, how you said it earlier in the show, and you just start seeing things that you didn't see before. You start being presented with new types of investments and businesses that you can invest in that you never saw before, but they were right under your nose. It does turn into a fun game, a money game.   Yeah, no question. I was at a conference not too long ago and they were calling me Morpheus because I made a reference to the red pill or the blue pill. And they were like, dude, you're Morpheus. I just took the red pill. Now I'm going down the rabbit hole. So beware. Are you ready to take the red pill?   (Seth Bradley) (42:08.374) Love that, love that. All right Adam, before we jump into the freedom four, what's one last golden nugget for our listeners?   A golden nugget for your listeners is that money today is abstract. It's not a concrete thing. Several decades ago, you would be given cash or you'd pay for things in cash. And today, virtually everything is a cashless transaction. And when we're not using cash, it doesn't feel real. If we're using Apple Pay or we're swiping our card or tapping our card,   It doesn't feel real. In fact, there's no pain sensor that triggers when you do that. The opposite is true on Amazon. When you hit one click ship for $47, a pleasure sensor actually is activated because you're in anticipation of that thing coming to you. So we also have to realize that the more money you make, it feels like, well, the more you have to spend. But because money doesn't feel real, you're spending way more than you think you are.   because of the abstract nature of it. So some of that is like reigning back in and understanding these are real dollars that you're putting on a card or swiping on your phone or whatever it may be and deciding is this the best intentional use of this money or could I be using it to build the life that I truly want? And I will add to that Seth that it's very short. There's a short amount of time that it requires you to function just a little bit differently.   order to get there where all the passive income covers your wants. So just like intentionality for the next 12 to 24 months will make a massive difference in your life.   (Seth Bradley) (43:48.502) Yeah, that's all it takes. All right, let's jump into the freedom four. What's the best thing you do to keep your mind and body healthy?   I am part of an exercise group called F3 and it stands for fitness fellowship and faith. There's like 75,000 guys all over the world that do this every morning. And we get up, you know, rain, sun, sleet or hail. I mean, we were working out in like eight degree Fahrenheit weather this winter outside. It's always outside. And I love it. I do it four or five, sometimes six mornings a week. But for me, just getting up the first hour of my day will   will dictate what the rest of my day does. And so my F3 brothers and I, that's the right way for me to get started.   awesome. With all your success what is one limiting belief that you've crushed along the way and how did you get past it?   you know, this is, this is going to sound a bit like an oxymoron statement, but a limiting belief is that, man, there's so much opportunity. And for me, I'm a bright, shiny object guy. for years, my wife was like, just pick one opportunity, please just pick one. And so for me, it's, you know, it's the fact that there is so much I can do limits me because you can really get very, very good at one thing.   (Adam Carroll) (45:08.078) But I'm a big fan of James Clear and the book Atomic Habits. And he'll say that it's hard to get traction when your focus is divided. And so I've been really intentional about zeroing in on my focus and knowing that this is what I'm setting out to do. And it may be for 12 months or 24 months or five years. And I'll reevaluate along the way. But I've got one thing and I'm really focused on that. So that's been a limiting belief I've had to get over.   Awesome. Awesome. What's one actionable step our listeners can do right now to start creating more freedom?   Well, go to the shredmethod.com not to do a self plug, it is. Go watch the masterclass, see what we do and how we do it. If you are already intrigued by this and are wondering like, what should I do with a HELOC or should I have a HELOC? My answer to everyone is everyone should have a HELOC, everyone. If you have equity in your home, why do you not have a line of credit? If for nothing else to have that is an emergency.   of some kind. So point blank, the first thing you ought to do is go access a line of credit, be it a home equity line, a personal line of credit, a P lock, or a B lock, a business line of credit. can also do a cash value line of credit. But I think you got to have one of those because when you understand this method, this process, that's a linchpin to making this work.   Great. How is passive income made your life better?   (Adam Carroll) (46:42.698) you know, I like to call it mailbox money and, man, love mailbox money. When it shows up, I celebrate and I've, I've had a mantra for years that I'm a money magnet, that money comes easily and frequently, that I get more checks in the mail than I do bills. And I just repeat those mantras over and over again. So every time I set up another form of passive income, man, it's just like a win.   that you feel deep down inside. And it doesn't matter, Seth, if it's 50 bucks or 15 bucks or five bucks or 5,000, right? Total sidebar, real quick story, but I was sitting with a buddy of mine at a conference and he kept showing me his phone and he was clearly showing off. But every time he'd pop up his phone, was like another sale was made. And it'd be like $27, $170, $300. And I go...   Dude, how are you doing this?" And he said, I set up these funnels and it's just a little digital product I created and we're doing ads and we're putting all the people towards these ads. And I said, so how many of those do get a month? He goes, I don't somewhere between $9,000 and $10,000 a month is coming in. And I remember feeling giddy for him and giddy about the idea that this could be possible, that you could just do whatever you want to do every day. Go fishing, go surfing, be on a sailboat somewhere and pull up your phone and be like, well, this is cool. just made...   $800. So for me, we have started to build that into what we're doing. I now get alerts on my Apple Watch. It's a Slackbot. So every time a sale is made, it pops up. we went to Mexico over spring break and the vendors on the Mexican beaches, they bless themselves every time they make a sale. And so now when a sale pops up on my Slackbot,   I'm like, all right, I made a sale. This is awesome. So how has it changed my life? I'm more grateful. I sleep well at night. I have peace of mind. And I know that, you know, future generations are going to be taken care of by the wealth that my wife and I are creating.   (Seth Bradley) (48:45.29) I love it, All right, Adam, this has been incredible. We're going to let listeners find out more about you.   Well, you can find out more about me personally at adamcarroll.info. It's two R's, two L's, adamcarroll.info. And again, if you want to check out the Shred Method, we have lots of free resources. So you can go and do a ton of research. We have a savings analysis there that you can plug in your numbers and see how much you could save and how quickly you could be out of debt. All of that is available at theshredmethod.com.   All right, brother. Appreciate your time. Thanks again for coming on the show and we'll to have you on again soon.   Love it, Seth. Keep doing what you do, man. This is super important stuff.   Alright brother, talk soon.   (Seth Bradley) (49:28.578) Thanks for tuning in to Raise the Bar Radio. If you enjoyed today's episode, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Keep pushing, keep building, and keep raising the bar. Until next time, enjoy the journey. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Adam Carroll's Links: https://www.threads.com/@adam.carroll/ https://www.instagram.com/adam.carroll/ https://www.linkedin.com/in/adamcarrollspeaks/ https://www.facebook.com/AdamSpeaks/ https://x.com/adamcarroll https://open.spotify.com/show/1fPEUnWdnbcOcbYdksY1Yi https://www.youtube.com/channel/UCJREGkPP6UwMucJMPvDS8xg

In this episode of ScaleUp Radio, Kevin Brent sits down with Victor Carpio, the innovative founder of Inventor Smart Care, to discuss how a passion for solving a common pet health problem led to the creation of a world-first product: the Dental Wand – a toothbrush designed specifically to let cats control their own dental care. Victor shares the journey of launching a startup in a niche but high-potential market, including the challenges of developing a product for animals, bootstrapping through multiple prototypes, and preparing for national TV exposure on Dragons' Den. He also dives into the mindset shifts required for scaling – from selling directly to consumers to forging B2B partnerships and managing growing logistics demands. This episode is a treasure trove for product inventors, early-stage entrepreneurs, and anyone fascinated by the mechanics of turning a big idea into a real-world solution. Highlights From This Episode: Inventing With Purpose: Why Victor focused on solving a real health issue affecting 85% of UK cats, and why understanding your “why” is more important than just having a patent. From Cat Behaviour to Product Design: The surprisingly complex R&D behind the Dental Wand and how AI and 3D printing could help future inventors save time and money. Scaling Smartly: Transitioning from D2C to B2B, the growing pains of supply chain management, and the critical importance of not being reliant on a single supplier. The Dragons' Den Effect: What happened when Victor pitched to the Dragons, and why the real win wasn't the investment offer, but the brand exposure. Customer Insights: How deep psychographic understanding and a sophisticated email nurturing system helped Victor acquire customers for less than £5. Make sure you don't miss any future episodes by subscribing to ScaleUp Radio wherever you like to listen to your podcasts. For now, continue listening for the full story from Victor.   Scaling up your business isn't easy, and can be a little daunting. Let ScaleUp Radio make it a little easier for you. With guests who have been where you are now, and can offer their thoughts and advice on several aspects of business. ScaleUp Radio is the business podcast you've been waiting for. If you would like to be a guest on ScaleUp Radio, please click here: https://bizsmarts.co.uk/scaleupradio/kevin You can get in touch with Kevin here: kevin@biz-smart.co.uk Kevin's Latest Book Is Available! Drawing on BizSmart's own research and experiences of working with hundreds of owner-managers, Kevin Brent explores the key reasons why most organisations do not scale and how the challenges change as they reach different milestones on the ScaleUp Journey. He then details a practical step by step guide to successfully navigate between the milestones in the form of ESUS - a proven system for entrepreneurs to scale up. More on the Book HERE - https://www.esusgroup.co.uk/   Victor can be found here: https://www.linkedin.com/in/victor-carpio-404914125/ meow@inventorcat.co.uk   Resources: Pet Industry Federation - https://petfederation.co.uk/ Start with Why by Simon Sinek - https://uk.bookshop.org/p/books/start-with-why-15th-anniversary-edition-how-great-leaders-inspire-everyone-to-take-action-simon-sinek/7820616?ean=9781405977593 Atomic Habits by James Clear - https://uk.bookshop.org/p/books/atomic-habits-the-life-changing-million-copy-1-bestseller-james-clear/2458373?ean=9781847941831 Headway app - https://makeheadway.com/onboarding Mailchimp - https://mailchimp.com/landers HubSpot - https://www.hubspot.com/products Gather - https://www.gather.town/  

#514 In today's business lesson, we discuss The Aggregation of Marginal Gains and how understanding and applying this principle will help you explode your business. The Aggregation of Marginal Gains is a concept that James Clear talks about in the first chapter of his #1 New York Times Best Selling Book, Atomic Habits. (Original Air Date - 5/11/23) What Justin discusses on today's episode: + Introduction to the Lesson + Promotion of Millionaire University Podcast + Welcome to the Podcast Episode + Introduction to the Concept of Marginal Gains + Historical Context: British Cycling Team + The Turning Point: Hiring of David Brailsford + Implementation of Marginal Gains Strategy + Exploring Unconventional Areas for Improvement To get access to our FREE Business Training course go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MillionaireUniversity.com/training⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. And follow us on: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tik Tok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠millionaireuniversity.com/sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Want to hear from more incredible entrepreneurs? Check out all of our interviews ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices

Message me with comments or questionsWhat happens when you trade financial security for soul-fulfilling work? Pamela Pope's transformation from tech sales executive to fitness professional offers a masterclass in following your intuition despite fear and uncertainty.In this deeply personal conversation, Pamela shares how two corporate layoffs became the catalyst for embracing her true calling in the fitness world. Though initially intimidated by the financial implications, she discovered that the ability to witness her direct impact on clients' lives provided a satisfaction that no sales commission could match. "I finally feel like I'm doing what I was meant to be doing," she reflects, capturing the essence of vocational alignment.Fitness enthusiasts will appreciate Pamela's insights into the Legree method—a challenging Pilates-inspired workout focused on time under tension rather than flow—and how this training modality became her gateway into full-time fitness instruction. As both a personal trainer and master Legree instructor, she brings a unique perspective on sustainable health practices that prioritize long-term lifestyle changes over quick fixes.What truly distinguishes Pamela's approach is her commitment to authenticity. Rather than positioning herself as an untouchable fitness guru, she openly shares her own struggles with food and body image, creating deeper connections with clients. This vulnerability extends to her recent participation in the Hyrox endurance competition, where despite feeling intimidated by elite athletes, she embraced being outside her comfort zone and formed meaningful community connections.For anyone contemplating their own fitness journey, Pamela offers refreshingly practical advice: start absurdly small. Drawing from James Clear's "Atomic Habits," she advocates for micro-goals like taking a five-minute walk rather than attempting dramatic transformations that quickly fizzle out. Her philosophy centers on extending your "health span" to match your lifespan—maintaining functional independence and joy throughout your entire life.Ready to take your first small step toward lasting change? Listen now and discover how tiny actions can transform your relationship with fitness, career, and fulfillment.Connect with me online:1. Instagram: https://www.instagram.com/breakthroughemotionaleating/2. You Tube channel, Kristin Jones Coaching: https://www.youtube.com/@KristinJonesCoaching44 3. You Tube channel, Breakthrough Emotional Eating Podcast: https://www.youtube.com/@breakthroughpodcast-443 . Website: https://www.kristinjonescoaching.com If you want to learn more about how to stop overeating at meals and lose weight easily, get my How To Stop Overeating At Meals Guide: https://go.kristinjonescoaching.com/stop-overeating Needing more specific and direct support for your emotional eating and overeating? Check out my online course, Stop Dieting Start Feeling, and my personalized coaching program, Breakthrough To You. If you found this episode helpful, don't forget to leave a review on the platform you used to listen and share it with your friends on your Instagram stories. Also, be sure to follow me o...

Johnny Joey Jones provides political commentary across Fox News media platforms, including Fox News Channel and Fox Business Network, and serves as a fill-in host for many popular shows. Joey also hosts several series and specials on Fox Nation, the network's digital streaming service. He authored the New York Times best-selling book, "Behind the Badge: Answering the Call to Serve on America's Homefront." A Marine Corps veteran who rose to staff sergeant, Joey experienced a life-changing injury in Afghanistan that resulted in the loss of both legs above the knee. Since recovering, he has devoted himself to improving the lives of veterans and their families. Exclusive for I Dare You Podcast listeners, be part of The Dare Club and get your FREE Atomic Habits visual synopsis, Atomic Habits worksheet, and Habit Tracker PDFs! Simply go to: www.idareyoupod.com Connect with Darrin Johnson: www.idareyoupod.com Instagram: @idareyoupod YouTube: https://www.youtube.com/@IDareYouPod

Questions? Comments? Suggestions? Click here! Kim Derrick shares her unconventional model- a high-volume college consultant, revealing how she helps more students with fewer one-on-one meetings while maintaining exceptional results and strong relationships. Kim shares how she:• Started as a volunteer in school settings, including 15 years with Georgia Tech's Stamps President Scholars Program• Focuses on "the big four" pillars: college list development, grades/course selection, testing strategy, and authentic activities• Structures business with yearly contracts rather than four-year packages, allowing flexibility for families• Maintains over 90% client retention despite limited one-on-one meetings• Delivers content through videos, emails, and targeted communication based on student needs• Prices services according to grade level, with costs increasing as students approach senior year• Founded the High Volume Low Touch Facebook group for IECs interested in alternative business models• Emphasizes setting clear expectations with families through explicit contracts and sign-offs• Uses technology tools like Loom videos to maintain personal connection without scheduling meetings• Recommends new IECs focus on their strengths rather than trying to be experts in all areasCheck out Atomic Habits by James Clear for insights on making small changes that lead to remarkable results - a philosophy Coach Kim applies to both her business and her work with students! 

Dans ce podcast Speakeasy by /influx : Henri, Paul Barbosa et Romain Lanéry vous expliquent en quoi avoir des habitudes ou créer et même modifier des habitudes peut être très bénéfique dans votre vie de tous les jours.Les livres conseillés dans cet épisode :Le pouvoir des habitudes : https://amzn.to/3IomYQgUn rien peut tout changer (Atomic Habits) : https://amzn.to/4lnWixOPosez-nous vos questions via ce lien : https://www.speakpipe.com/SpeakeasyRéagissez au podcast sur les réseaux avec le hashtag #SpeakeasyByInflux et en nous @ :https://www.instagram.com/paulbarbosa/https://www.instagram.com/hardisk/https://www.instagram.com/romainlanery/ Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Dans ce podcast Speakeasy by /influx : Henri, Paul Barbosa et Romain Lanéry vous expliquent en quoi avoir des habitudes ou créer et même modifier des habitudes peut être très bénéfique dans votre vie de tous les jours.Les livres conseillés dans cet épisode :Le pouvoir des habitudes : https://amzn.to/3IomYQgUn rien peut tout changer (Atomic Habits) : https://amzn.to/4lnWixOPosez-nous vos questions via ce lien : https://www.speakpipe.com/SpeakeasyRéagissez au podcast sur les réseaux avec le hashtag #SpeakeasyByInflux et en nous @ :https://www.instagram.com/paulbarbosa/https://www.instagram.com/hardisk/https://www.instagram.com/romainlanery/ Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Sid Shamim is the founder and CEO of Headway Capital, a vertically integrated real estate investment firm based in Houston, TX. With a background in engineering and a career in oil and gas, Sid transitioned into real estate full-time after building a single-family portfolio and identifying key inefficiencies in property management. Today, Headway Capital manages a $600M+ multifamily portfolio across Texas and Arizona, with over 200 employees and a mission to build enduring teams and cash-flowing assets.    

In this powerful episode of the I Dare You podcast, we dive deep into the hidden force that's shaping your life right now: the identity you've assigned to yourself. We explore how the words we use to describe ourselves become self-fulfilling prophecies that either launch us toward success or keep us stuck in place. Through compelling research and eye-opening stories, you'll discover why aligning your daily actions with your desired identity is the true secret to lasting transformation. I'll reveal your Dare Identity Blueprint with specific, actionable steps to identify limiting labels, redefine your personal narrative, and build unshakable confidence that translates into real-world results. Don't miss this one—it could change everything. Exclusive for I Dare You Podcast listeners, be part of The Dare Club and get your FREE Atomic Habits visual synopsis, Atomic Habits worksheet, and Habit Tracker PDFs! Simply go to: www.idareyoupod.com Connect with Darrin Johnson: www.idareyoupod.com Instagram: @idareyoupod YouTube: https://www.youtube.com/@IDareYouPod

In this episode of Grow a Small Business, host Troy Trewin interviews Nelly Gal, founder of Live Vibrant Wellness & Esthetics, who shares her incredible story of going from $0 to building a $2M+ med spa business in just four years. Nelly opens up about supporting 12 family members back in Cuba, working only three days a week, and how she overcame burnout while scaling her clinic. She dives into the mindset shifts that helped her grow, the power of trusting her team, and why true success means having wealth without sacrificing joy or health. It's a must-listen for entrepreneurs, especially women, seeking inspiration to build a thriving business and life on their own terms. Other Resources: When should a growing small business have a Board of Directors or Advisors?en should a growing small business have a Board of Directors or Advisors? Get a return from an effective Chairperson of a Board Why would you wait any longer to start living the lifestyle you signed up for? Balance your health, wealth, relationships and business growth. And focus your time and energy and make the most of this year. Let's get into it by clicking here. Troy delves into our guest's startup journey, their perception of success, industry reconsideration, and the pivotal stress point during business expansion. They discuss the joys of small business growth, vital entrepreneurial habits, and strategies for team building, encompassing wins, blunders, and invaluable advice. And a snapshot of the final five Grow A Small Business Questions: What do you think is the hardest thing in growing a small business? According to Nelly Gal, the hardest part is changing your own mindset and truly believing in yourself. She says overcoming self-doubt and imposter syndrome is tougher than any operational or financial challenge. What's your favorite business book that has helped you the most? Nelly Gal shares that Traction by Gino Wickman has been one of the most impactful books for her business journey, along with favorites like Atomic Habits and The 4-Hour Workweek. Are there any great podcasts or online learning resources you'd recommend to help grow a small business? Nelly Gal reveals that her biggest resource lately is actually ChatGPT and exploring AI tools. She's also invested in learning platforms like the app Cursive to deepen her knowledge of AI and tech for business. What tool or resource would you recommend to grow a small business? Nelly Gal strongly recommends having a solid CRM like Go High Level, using QuickBooks for finances (handled by her accountant), and above all — mastering AI tools like ChatGPT to save time and unlock new strategies. What advice would you give yourself on day one of starting out in business? Nelly Gal would tell her younger self: keep going, it gets better. Believe in yourself, stay patient, and know that you're far more capable than you think — your hard work will create something that feeds people, brings joy, and changes lives. Book a 20-minute Growth Chat with Troy Trewin to see if you qualify for our upcoming course. Don't miss out on this opportunity to take your small business to new heights! Enjoyed the podcast? Please leave a review on iTunes or your preferred platform. Your feedback helps more small business owners discover our podcast and embark on their business growth journey.     Quotable quotes from our special Grow A Small Business podcast guest: Success isn't a number in your bank account — it's working three days a week, caring for your family, and living without burnout — Nelly Gal Trust your gut when hiring; the wrong person in the wrong seat will cost you more than you can imagine — Nelly Gal Invest in ads, invest in your team, and most importantly, invest in yourself — because your growth is the foundation of your business — Nelly Gal

UNFILTERED: Courageous Conversations about Morning Routines Feel guilty for not joining the 5 am club? You're not alone, and you're not doing it wrong. In the latest episode of the UNFILTERED Series, Daphna and Amy break down the myth that success has to start before sunrise. Explore why early wakeups aren't a magic formula and how tuning into your natural energy leads to more focus, creativity, and confidence throughout the day. Morning routines aren't about checking off boxes. They're about anchoring yourself with what feels right for you. Whether it's a cup of coffee in silence, a walk in nature, or journaling at lunch, the key is to find moments that support your well-being. Together, they share honest stories, practical ideas, and simple ways to create routines that leave you feeling grounded, not pressured. Timestamps [00:01:02] Morning routines and success myths [00:05:38] Morning routines and personal rhythms [00:08:46] Reflection time for leaders [00:14:10] Rethinking morning routines [00:16:16] Morning routine and intention [00:22:00] Morning routines and self-discovery [00:24:35] Conversations that need discussing  

338. Summer Podcast Mini-Series: How to Work With Kids at Home: 3 Summer Work Blocks That Align With Your Real Life & Core Values (Episode 3) | Routines, Schedules, Time Management, Time Blocking, Planning, Plan, Organize, Family, ParentingEpisode 2: Summer Podcast Mini-Series: Peaceful Workdays With Kids Home: 3 Summer Time Blocks That Save Your Sanity Trying to get work done with kids home 24/7 this summer? You're not alone. The constant interruptions, noise, and unpredictability can make even the simplest task feel impossible.But here's the truth: You don't need to hustle harder—you need smarter rhythms that honor both your work goals and your family life.In this episode, I'm sharing 3 simple, powerful summer work blocks that actually work with your real life, not against it. You'll also learn how to use habit stacking (a game-changer from Atomic Habits by James Clear) to make these time blocks stick—so you can finally focus, get things done, and be present with your family.In this episode you'll learn:✅ The 3 best time blocks for summer work when kids are home ✅ How to align your work with your energy, season, and values ✅ Simple ways to stack work habits onto existing routines ✅ Why you don't need more time—you need more intention ✅ How to protect your peace, purpose, and presence while working from home[2:40] Why working all day doesn't work—and what to do instead[5:15] Morning Power Hour – How to do your best work before breakfast[10:05] Midday Reset – How to get a second wind during nap or quiet time[15:12] Nightly Wrap-Up – How to tie up loose ends without sacrificing sleep[19:30] Habit stacking tips to anchor your work blocks with ease[23:44] What truly matters—and how to let go of the rest[26:05] Your next step to simplify your schedule & thrive this summer“You were never meant to sacrifice your sleep, your health, or your family time in order to succeed.” – Kim, High Five Motherhood“A calm environment creates space for deep work. You don't need hours. You need intention.” – HFM, Episode 313

Show notes (Why We Sleep book summary)⁠ / ⁠Free Full Audiobook⁠ / ⁠PDF & Infographic⁠ / IN THIS EPISODE: Sleep is a complex, essential biological process that significantly impacts physical health, mental function, and emotional regulation, and understanding and prioritizing it can dramatically improve overall human well-being. Read 1 million books in minutes. For free. Visit getstoryshots.com to get started. TOPICS: sleep, Circadian rhythm, health, Dreams, mental health, Neuroscience KEY FIGURES: Pixar, National Institutes of Health, NBA, Atomic Habits, World Health Organization, Centers for Disease Control and Prevention, Harvard Medical School, Why We Sleep, NFL, Matthew Walker, UC Berkeley, Deep Work, Einstein, StoryShots SUMMARY: Matthew Walker's book 'Why We Sleep' reveals a critical insight into the profound importance of sleep for human health, highlighting that most adults in developed nations fail to get the recommended eight hours of sleep. The book explains the complex biological mechanisms behind sleep, including the 24-hour circadian rhythm regulated by the suprachiasmatic nucleus and the buildup of adenosine that creates sleep pressure, demonstrating how these systems interact to govern our sleep-wake cycles. Walker emphasizes that sleep is not a passive state but a critical biological process with distinct stages-NREM and REM sleep-each serving unique functions for physical and mental restoration. During these stages, the body performs essential tasks like tissue repair, memory consolidation, emotional processing, and clearing toxic proteins from the brain. Sleep deprivation has severe consequences, including increased risks of chronic diseases like cancer, heart disease, and diabetes, as well as significant impairments in cognitive function, emotional regulation, and mental health. The book also explores how modern society has created a 'sleep loss epidemic' through factors like artificial lighting, technology, work schedules, and cultural attitudes that devalue sleep. Walker provides practical strategies for improving sleep quality, such as maintaining a consistent sleep schedule, creating a cool and dark sleeping environment, avoiding caffeine and alcohol before bedtime, and establishing a relaxing pre-sleep routine. By understanding and prioritizing sleep, individuals can dramatically improve their overall health, cognitive performance, and emotional well-being. KEY QUOTES: • "Sleeping less than six hours a night is a form of self-inflicted harm that damages every system in your body." - Matthew Walker • "Dreams are not the byproduct of sleep, but rather its purpose, nature's best attempt at emotional first aid." - Matthew Walker • "Our modern world is perfectly designed to disrupt sleep, creating the most sleep deprived era in human history." - Matthew Walker • "The amygdala, your brain's emotional center, becomes 60% more reactive without proper sleep, while the rational prefrontal cortex becomes less active." - Matthew Walker KEY TAKEAWAYS: • Sleep is essential for physical health, with chronic sleep deprivation dramatically increasing risks of serious conditions like cancer, heart disease, and diabetes • Sleep consists of different stages (NREM and REM), each serving unique functions for mental and physical restoration, including memory processing, emotional regulation, and tissue repair • Modern society has created a sleep loss epidemic through artificial lighting, technology, work schedules, and cultural attitudes that devalue sleep • Dreams during REM sleep are crucial for emotional processing, stress reduction, and enhancing creativity by forming unique connections between ideas • Sleep patterns naturally change throughout life stages, with significant variations in sleep needs and rhythms from infancy to old age • Lack of sleep impairs cognitive function, reducing concentration, memory, and decision-making abilities while increasing emotional reactivity... Learn more about your ad choices. Visit megaphone.fm/adchoices

In this powerful episode, I sit down with financial coach DonJay Rice, Certified Financial Behavioral Specialist, Board Certified Trauma Informed Coach, and owner of Drumbeat of Wealth. DonJay shares his journey from traditional financial advisor to financial coach, revealing how a pivotal moment with three widows transformed his understanding of money psychology. With raw honesty, DonJay opens up about his stage four cancer battle and the "famous friends" who showed up when it mattered most. Discover how grief and trauma affect our money stories and learn why financial coaching goes far beyond transactions to address the deep emotional connections we have with money. Connect with DonJay: www.drumbeatofwealth.com Exclusive for I Dare You Podcast listeners, be part of The Dare Club and get your FREE Atomic Habits visual synopsis, Atomic Habits worksheet, and Habit Tracker PDFs! Simply go to: www.idareyoupod.com Connect with Darrin Johnson: www.idareyoupod.com Instagram: @idareyoupod YouTube: https://www.youtube.com/@IDareYouPod

Episode Summary:This week, Peter and Eden dive headfirst into the high-octane world of Daniel Warren Johnson's Transformers comic run, exploring its explosive art, emotional beats, and G1 nostalgia. Along the way, they unpack the pains of modern TV consumption, vent about doomed adaptations, and gush over goth rock albums and short-form sci-fi. It's a heartfelt mix of media love, mild despair, and giant robots punching each other in the face—with feeling.Show Notes:Peter kicks things off with a July 4th check-in and a quick rundown of what he's been reading and listening to, including Atomic Habits and the debut album by High Parasite, a side project involving My Dying Bride's Aaron Stainthorpe.Murderbot adaptation on Apple TV+ gets a thoughtful breakdown: Peter shares his appreciation for its tone, visuals, and how closely it mirrors Martha Wells' novella All Systems Red, especially its deadpan view of humanity and delightful Sanctuary Moon cutaways.Discussion veers into TV trust issues—how shows like Paper Girls and Wheel of Time were abandoned too early by streamers like Amazon and Netflix, and why Apple TV+'s longer-term faith in its properties (Slow Horses) earns praise.Eden questions the fractured nature of modern TV popularity, riffing on Yellowstone's massive reach despite their total ignorance of anyone watching it.A segment on Eden's short-lived journey into the glitchy, chaotic world of gacha game Re Memento: White Shadow, complete with mistranslations and catastrophic layoffs.Peter shares exciting news about planning a trip to Japan for his 27th wedding anniversary—and the hurdles of learning Japanese through Duolingo.For our main topic, we dive into the first arc of Daniel Warren Johnson's Transformers comic:Eden provides background on the series and its creative team, praising Johnson's gritty, wrestling-inspired action sequences and nuanced character work.Peter offers perspective as a lifelong fan reconnecting with the property, reflecting on the emotional impact of Optimus Prime, especially how the comic echoes the trauma of Transformers: The Movie (1986).Highlights include gruesome Starscream moments, human character development (especially Sparky's sacrifice), and Optimus wielding Megatron's blaster arm.Both hosts discuss the comic's balance between fresh storytelling and homage to classic G1 design and lore.Closing thoughts touch on the excitement (and dread) around Robert Kirkman taking over the series soon, and how this arc was a rewarding, if nostalgia-heavy, entry point for fans old and new.

Valuable insights can be understood through James Clear's work, which talks about three levels of behaviour change. This can be applied to eating disorder recovery. James is the author of the best-selling book, Atomic Habits which has sold more than 20 million copies worldwide. If you haven't read it, I'd highly recommend that you do. He describes three levels of change: - 1. Outcomes 2. Processes 3. Identity Arguably, sustainable change will only occur with a deep shift in identity. I explore these themes more in this podcast episode. I hope that you find it helpful.   Harriet's Substack: https://substack.com/@theeatingdisordertherapist   Harriet Frew's current offers: - Online 10 Steps to Intuitive Eating Course https://www.theeatingdisordertherapist.co.uk/online-courses.html Online Breaking Free from Bulimia  https://www.theeatingdisordertherapist.co.uk/bulimia-nervosa-online-course.html Eating Disorders Training for Professionals https://www.theeatingdisordertherapist.co.uk/eating-disorders-training-with-harriet-frew.html Body Image Training for Professionals https://www.theeatingdisordertherapist.co.uk/body-image-training-with-harriet-frew.html  

How to Break Bad Habits and Get 1% Better Every Day – James Clear Motivation How to Break Bad Habits and Get 1% Better Every Day, James Clear motivation, Atomic Habits speech, break bad habits 2025, 1% better daily, habit stacking James Clear, self-discipline 2025, improve your habits, personal growth habits, stop procrastination 2025, mindset motivation James Clear, consistent growth tips, daily success routine, how to be better every day, behavior change techniques, build strong habits, how habits shape your future, reset your habits 2025, motivational habits video, small habits big results, how to stop bad habits, James Clear advice, Atomic Habits explained, systems over goals 2025, long-term success strategy, best habit building tips, motivational atomic habits speech, transform your life 2025, powerful morning habits, goal setting 2025, habits for high performance, fix your routine 2025, life-changing advice James Clear, mindset for change 2025, powerful daily habits, 2025 productivity mindset Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever feel like you're losing the daily battle against willpower? You're not alone. Coach Matt explains why your environment, not your discipline, is the true key to alcohol-free success. Drawing on principles from the bestselling book, Atomic Habits, Matt shares how to consciously design your surroundings to work for you, not against you. Learn practical strategies, from removing triggers in your home to changing your daily routes, to make your new healthy habits easy and your old patterns difficult   Download my FREE guide: The Alcohol Freedom Formula For Over 30s Entrepreneurs & High Performers: https://social.alcoholfreelifestyle.com/podcast ★ - Learn more about Project 90: www.alcoholfreelifestyle.com/Project90 ★ - (Accountability & Support) Speak verbally to a certified Alcohol-Free Lifestyle coach to see if, or how, we could support you having a better relationship with alcohol: https://www.alcoholfreelifestyle.com/schedule ★ - The wait is over – My new book “CLEAR” is now available. Get your copy here: https://www.alcoholfreelifestyle.com/clear

Focusing on your wellness does not need to be expensive!  This week, we're breaking down realistic, accessible, and low-cost wellness tools that support your emotional health, physical fitness, and nutrition without breaking the bank. From free apps and YouTube workouts to budget-friendly meals, library resources, and community clinics, we share creative and effective ways to grow and feel good—no matter your budget. Resources Mentioned: Download our free Self-Care Planner: https://elizabethharrisnutrition.ck.page/9e817ab37e Elizabeth's free nutrition resources & blog: https://elizabethharrisnutrition.com/ Maria's Emotional Fitness Studio: https://thecoachingtherapist.com/emotional-fitness-studio/ Tara's HIIT classes & fitness programs: https://www.ptdistinction.com/taradeleonfitness?fbclid=PAZXh0bgNhZW0CMTEAAafVS3A8jhe40wVYnhIg_BLc1nXS1BI1XDoA47D5Tl5eIUBVCxqAt1n2E-ohzQ_aem_XBmsDzdPQUKPzVCQc9WqtA The book: Hot Mess to Hot Mom: https://www.amazon.com/Hot-Mess-Mom-Transformational-Childbirth-ebook/dp/B0CW4PX3VJ Book recs: Intuitive Eating, Body Kindness, The Body Keeps the Score, Mind Gym, Atomic Habits,The Gifts of Imperfection, Gentle Nutrition Apps: Insight Timer, Ten Percent Happier, Happier App Sites: NAMI.org for support groups and mental health resources Local libraries, community centers, and donation-based classes Connect with us: Elizabeth Harris, MS, RDN, LDN FB: Health and Healing with Intuitive Eating community https://www.facebook.com/groups/healthandhealingwithintuitiveeating Instagram: https://www.instagram.com/ElizabethHarrisNutrition Free download to break up with diet culture: https://elizabethharrisnutrition.com/invisible-diet   Tara De Leon, Master Personal Trainer Email: FitnessTrainer19@hotmail.com Instagram: https://www.instagram.com/tara_de_leon_fitness   Maria Winters, LCPC, NCC Instagram: https://www.instagram.com/coaching_therapist/ FB: https://www.facebook.com/MWcoachingtherapy Website: www.thecoachingtherapist.com Attend an Emotional Fitness Studio Class: https://thecoachingtherapist.com/emotional-fitness-studio/

In this episode, Allison explores:Why most motivation strategies fail by being too easy or too extremeHow the Goldilocks Rule creates just-right challenges that drive resultsA real client case study where 4% targets led to massive transformationHow to apply the Goldilocks Rule to:Skill developmentTeam performancePersonal growth habitsA simple 3-step framework to calculate and track your “just right” goals

Change doesn't happen by accident - it happens when you understand how behaviour actually works. In this solo episode, Andrew May breaks down science-backed frameworks that simplify change and help you create lasting results.You'll learn: ✔ Why most people struggle to stick with change (and how to avoid it) ✔ BJ Fogg's Behaviour Change MAP (Motivation + Ability + Prompt) explained ✔ How to use Habit Stacking to make new behaviours feel automatic ✔ The biggest mistakes people make when trying to change ✔ Your next stepsWhether you're ready to build new habits, boost your energy, improve performance, or finally get unstuck - this episode gives you a clear, practical roadmap to start small and create meaningful change that lasts.In this episode Andrew talks about:00:10 Why Andrew is making this solo podcast.1:30 Andrew's 2 favourite change models.2:55 Why new years resolutions fail.4:15 The difficulty in implementing large behaviour change programs and why shifting mindset is difficult.6:50 B.J. Fogg's change map model and simplifying this information to make change easier.9:45 identifying potential barriers to change.10:30 The importance of triggers or prompts to remind you to try a new behaviour and an example of this using mindfulness.12:45 James Clears book Atomic Habits and stacking simple habits.14:35 The stages of readiness model and the 5 stages of change.17:15 The seesaw of ambivalence.18:45 Change takes more than 21 days on a large scale.19:30 Why join a gym if you don't like going?20:25 Relapsing up to 10 times can be a normal experience in change.21:40 Write down the changes you want to make.23:00 Avoid getting overwhelmed with big changes all at once.24:00 Don't expect perfection. 25:30 Share your goals to keep yourself accountable.26:30 Keynote participant Peta's story of making big changes to her life.34:30 Wrap up.RESOURCES: Download: Behaviour MAP: https://performanceintelligence.com/wp-content/uploads/2025/07/model-1.pdf Download: Stages of Readiness template: https://performanceintelligence.com/wp-content/uploads/2025/07/model-2.pdf Study: Do fit kids have fit parents? https://pubmed.ncbi.nlm.nih.gov/33475262/ Study: The Influence of Parental Dietary Behaviors and Practices on Children's Eating Habits https://pmc.ncbi.nlm.nih.gov/articles/PMC8067332/#sec8-nutrients-13-01138 Study: Writing down your goals increases success by 42%: https://kitzu.org/study-highlights-strategies-for-achieving-goals/  Use Code "PIPODCAST10" to get 10% off your Lumo Coffee order:https://lumocoffee.com/ Interested in sharing your story? Email Producer Shannon at support@performanceintelligence.com today with your story and contact details. Learn more about Andrew and Performance Intelligence: https://performanceintelligence.com/Find out more about Andrew's Keynotes : https://performanceintelligence.com/keynotes/Follow Andrew May: https://www.instagram.com/andrewmay/If you enjoy the podcast, we would really appreciate you leaving a short review on Apple Podcasts, Spotify or Google Play. It takes less than 60 seconds and really helps us build our audience and continue to provide high quality guests.

Zach Windahl is a successful entrepreneur, author, and content creator with a passion for creating resources and products that help others grow in their faith. Zach's incredible new book, The Bible, Simplified., will help you go from feeling lost to becoming confident in your faith. Zach wrote and self-published “The Bible Study: A One-Year Study of the Bible and How It Relates to You.” A couple of years later, he founded The Brand Sunday, a company that creates resources to help people read and understand the Bible. His latest rise on social media has allowed his content to be viewed by 10-35 million people every month, bringing the gospel message all around the world. Connect with Zach: www.zachwindahl.com www.instagram.com/zachwindahl Exclusive for I Dare You Podcast listeners, be part of The Dare Club and get your FREE Atomic Habits visual synopsis, Atomic Habits worksheet, and Habit Tracker PDFs! Simply go to: www.idareyoupod.com Connect with Darrin Johnson: www.idareyoupod.com Instagram: @idareyoupod YouTube: https://www.youtube.com/@IDareYouPod

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1734: Chalene Johnson shares practical strategies to overcome inconsistency and stay committed to your goals, from embracing discipline over motivation to redefining your identity. She also dives into how entrepreneurs can foster long-term business growth by shifting focus from hustle to intentional structure and scalability. Read along with the original article(s) here: https://www.chalenejohnson.com/four-tips-for-how-to-become-more-consistent/ & https://www.chalenejohnson.com/tips-on-how-to-continue-growing-your-business/ Quotes to ponder: "Motivation is fleeting. What you really need is discipline and a system." "You'll be amazed at how your identity begins to shift when you start showing up for yourself consistently." "Your business cannot grow if you are always operating in hustle mode." Episode references: Clockwork by Mike Michalowicz: https://mikemichalowicz.com/books/clockwork The Slight Edge by Jeff Olson: https://www.amazon.com/Slight-Edge-Turning-Disciplines-Happiness/dp/1626340463 Trello: https://trello.com/ Slack: https://slack.com/ Notion: https://www.notion.so/ Google Calendar: https://calendar.google.com/ Atomic Habits by James Clear: https://jamesclear.com/atomic-habits Learn more about your ad choices. Visit megaphone.fm/adchoices

In this solo episode of Challenge to Lead, Beka Shea dives into the power of tiny habits and how they can transform your leadership style, team alignment, and business outcomes. Inspired by Tiny Habits by BJ Fogg and the ever-popular Atomic Habits by James Clear, Beka shares real-world examples of how CEOs unknowingly sabotage their own growth—and how small, consistent leadership habits can unlock the next level.Whether you struggle with over-controlling decisions, unclear communication, or abdicating leadership responsibility, this episode offers tangible strategies rooted in behavioral science and real client stories. You'll learn how to identify your leadership blind spots, change your behavior through motivation, ability, and prompt, and build habits that actually stick—without adding more to your plate.If you're a founder, executive, or team leader looking to scale your impact, this episode will help you reset your routines, reclaim your role, and lead with clarity and intention. Because in leadership, it's not the big swings—it's the small reps that drive the real change.

Has a book ever reshaped your entire perspective on what you want from life?Robert Fritz's The Path of Least Resistance might sound unassuming, but its insights will revolutionize how you view your past and sharpen your focus for the future. In this episode, I dive into one core idea from the book: the contrast between a reactive, problem-solving mindset and a visionary, creative approach.This isn't another tired formula for “creative solutions.” Fritz offers a clear, practical blueprint to design a life aligned with your deepest vision. A friend recommended this book four years ago, claiming it changed their life. I bought it, only to let it gather dust in a stack of books. Recently, while tidying my room, I rediscovered it—and I'm so glad I did. It's one of the most powerful books I've ever read, rivaling or even surpassing Atomic Habits for its transformative impact.

We're officially halfway through the year and if your goals feel distant, forgotten, or buried under everyday demands, this episode is your reset button.In this throwback episode, Monica walks you through a simple but powerful mid-year check-in. You'll learn how to reflect on the past six months, reassess what still matters, and recommit with purpose using systems and habits—not just wishful thinking. Inspired by James Clear, author of Atomic Habits, this conversation will help you take meaningful action to end the year strong.Grab a notebook—or open that notes app—and let's walk through this together.What You'll Learn in This Episode:A simple 3-step process to review, celebrate, and reframe your goalsWhy writing the vision isn't enough (and what to do next)The real reason some people reach their goals while others don'tHow systems and habits drive progress more than motivation ever willA mindset shift that can reignite your drive for the rest of 2025Episode Sponsor -  Zeus' Closet Helpful Entrepreneurial Resources from Become Your Own BossHelpful Entrepreneurial Resources from Become Your Own BossJoin the ⁠Become Your Own Boss Community⁠⁠Monica FREE ebook⁠Get your⁠ Become Your Own Boss Planner⁠Ways to reach Monica:Instagram: @becomeyourownbosspodcastEmail: monica@monicaallen.com

In Ep. 199, Susie Boutry (@NovelVisits), Catherine Gilmore (@GilmoreGuide), and Sarah are all back on the mic, ready to catch up on how their reading is shaping up for 2025 — so far!  They talk about the current publishing landscape, what books are topping bestseller lists to date, and their personal reading as it stands halfway through the year. They share reading stats and talk about expectations and hopes for the remainder of the year. Plus, their TOP 5 books and their biggest disappointments so far. This post contains affiliate links through which I make a small commission when you make a purchase (at no cost to you!). CLICK HERE for the full episode Show Notes on the blog. The Bookish Landscape [1:13] Books Mentioned Onyx Storm by Rebecca Yarros (2025) [3:28]  Fourth Wing by Rebecca Yarros (2023) [4:08] Iron Flame by Rebecca Yarros (2023) [4:11] The Women by Kristin Hannah (2024) [4:22] Sunrise on the Reaping by Suzanne Collins (2025) [4:53]  The Hunger Games by Suzanne Collins (2008) [4:59]  The Let Them Theory by Mel Robbins (2024) [5:02]  Dog Man: Big Jim Begins (Dog Man, #13) by Dav Pilkey (2024) [5:07] The Housemaid by Freida McFadden (2022) [5:13] The Crash by Freida McFadden (2025) [5:17] Atomic Habits by James Clear (2018) [5:24] A Court of Thorns and Roses by Sarah J. Maas (2015) [5:41] Next to Heaven by James Frey (2025) [9:44]  James by Percival Everett (2024) [11:20] Martyr! by Kaveh Akbar (2024) [11:22] Audition by Katie Kitamura (2025) [12:31]  The Names by Florence Knapp (2025) [13:51]  A Little Life by Hanya Yanagihara (2015) [15:52]  The Wedding People by Alison Espach (2024) [17:03]  The Correspondent by Virginia Evans (2025) [17:22]  Broken Country by Clare Leslie Hall (2025) [17:35]  Death of the Author by Nnedi Okorafor (2025) [18:35]  The Heart of Winter by Jonathan Evison (2025) [19:10] The Garden by Nick Newman (2025) [19:16]   The Road to Tender Hearts by Annie Hartnett (2025) [19:34]  Three Days in June by Anne Tyler (2025) [19:58]  Wild Dark Shore by Charlotte McConaghy (2025) [20:34] Tilt by Emma Pattee (2025) [20:38]   The Compound by Aisling Rawle (2025) [20:44]  Dream State by Eric Puchner (2025) [20:49]  Run for the Hills by Kevin Wilson (2025) [21:06] Hot Wax by M. L. Rio (September 9, 2025) [21:18]  Killer Potential by Hannah Deitch (2025) [21:39]  Personal Reading for 2025 (So Far) [22:49] Books Mentioned Dear Edward by Ann Napolitano (2020) [27:14]  The Frozen River by Ariel Lawhon (2023) [27:16]  Careless People by Sarah Wynn-Williams (2025) [31:07] Top Five (So Far)  [31:27] Susie Deep Cuts by Holly Brickley (2025) | Amazon | Bookshop.org [31:49] Broken Country by Clare Leslie Hall (2025) | Amazon | Bookshop.org [37:03] The Death of Us by Abigail Dean (2025) | Amazon | Bookshop.org [38:07] Nesting by Roisín O'Donnell (2025) | Amazon | Bookshop.org [49:11] The Names by Florence Knapp (2025) | Amazon | Bookshop.org [53:12] Catherine The Heart of Winter by Jonathan Evison (2025) | Amazon | Bookshop.org[33:45] This Is a Love Story by Jessica Soffer (2025) | Amazon | Bookshop.org [42:06] Heartwood by Amity Gaige (2025) | Amazon | Bookshop.org [51:28] Wild Dark Shore by Charlotte McConaghy (2025) | Amazon | Bookshop.org[53:59] Abigail and Alexa Save the Wedding by Lian Dolan (2025) | Amazon | Bookshop.org [56:03] Sarah Broken Country by Clare Leslie Hall (2025) | Amazon | Bookshop.org [36:00] The Death of Us by Abigail Dean (2025) | Amazon | Bookshop.org [40:31] The Slip by Lucas Schaefer (2025) | Amazon | Bookshop.org [44:03] The Bright Years by Sarah Damoff (2025) | Amazon | Bookshop.org [52:26] The Road to Tender Hearts by Annie Hartnett (2025) | Amazon | Bookshop.org[54:55] Other Books Mentioned The River Is Waiting by Wally Lamb (2025) [40:25] Bright Young Women by Jessica Knoll (2025) [40:40] Headshot by Rita Bullwinkel (2024) [47:47] The Knockout Queen by Rufi Thorpe (2020) [48:22] I Could Live Here Forever by Hanna Halperin (2023) [52:54] Biggest Disappointments (So Far)  [57:46] Susie The Strange Case by Jane O by Karen Thompson Walker (2025) | Amazon | Bookshop.org [58:09] The Road to Tender Hearts by Annie Hartnett (2025) | Amazon | Bookshop.org[58:13] Fulfillment by Lee Cole (2025) | Amazon | Bookshop.org [58:18] Catherine The Favorites by Layne Fargo (2025) | Amazon | Bookshop.org [58:51] Dream State by Eric Puchner (2025) | Amazon | Bookshop.org [58:56] The River Is Waiting by Wally Lamb (2025) | Amazon | Bookshop.org [59:08] Atmosphere by Taylor Jenkins Reid (2025) | Amazon | Bookshop.org [59:45] Sarah Memorial Days by Geraldine Brooks (2025) | Amazon | Bookshop.org [1:00:16] What Happened to the McCrays? by Tracey Lange (2025) | Amazon | Bookshop.org [1:00:28] Audition by Katy Kitamura (2025) | Amazon | Bookshop.org  [1:00:51] Finding Grace by Loretta Rothschild (July 8, 2025) | Amazon | Bookshop.org[1:01:43]

Real Estate & Interest Rate Shifts Explained with Joe Root #244 In this episode of the Real Estate Reserve Podcast, hosts Jason Balin and Ian Horowitz sit down with Joe Root, a multifamily investor and managing partner at E-Superior Real Estate Partners, to dig into what's really happening in today's real estate and debt markets. Joe shares his unique perspective as a second-generation investor operating in the Chicago multifamily space. From building a vertically integrated company to navigating interest rate hikes, rising expenses, and conservative underwriting—Joe explains how his firm is staying resilient and opportunistic in today's uncertain environment.

What if your next breakthrough didn't need to be big? In this episode, I explore how tiny 1% shifts- known as marginal gains- can lead to extraordinary results. You'll hear insights from elite sport and leadership psychology, and I share how these small changes have reshaped my own life and work. Because long-term success? It often starts with something small. If you're a high-achieving woman craving a more sustainable way to grow, this one's for you.

Ever wonder why even the most successful people (you!) freeze before making their next big move? In Episode 179, we're diving deep into the psychology of hesitation and how to break free from it. Join me as we explore: The counterintuitive truth about those butterflies in your stomach Why your fear might actually be your compass to growth The DARE activation framework - three powerful questions to crush your limiting beliefs Tom Cruise's advice for overcoming fear Don't let the start be what stops you. Tune in for the simple, proven tools you need to transform hesitation into action. Exclusive for I Dare You Podcast listeners, be part of The Dare Club and get your FREE Atomic Habits visual synopsis, Atomic Habits worksheet, and Habit Tracker PDFs! Simply go to: www.idareyoupod.com Connect with Darrin Johnson: www.idareyoupod.com Instagram: @idareyoupod YouTube: https://www.youtube.com/@IDareYouPod TikTok: @idareyoupod

We are so excited to introduce Coach Amy as the Director of the Coach Program for Trim Healthy Mama!  Today, she joins us to chat about the confidence that comes from small, consistent changes—just like the 1% progress model from Atomic Habits.  We talk about how stacking little wins, one choice at a time, leads to lasting transformation—not just in our health, but in our mindset and confidence too.  If you've ever felt stuck or overwhelmed, this conversation will remind you that consistency, not perfection, is what creates the real change we're all longing for. Join Pearl and Serene on the Trim Healthy Podcast (a.k.a. “The Poddy”). Welcome to the spot where Pearl and Serene share their knowledge and their hearts (along with Danny's antics) on topics ranging from physical and mental health to spiritual truth, and, yes… even a little comic relief. Put your seat belts on though…it can get a little bumpy! This particular show can be lacking in “proper podcast behavior.” But this is where growth happens… this is where NEW knowledge is celebrated… and fundamental knowledge is respected. Get ready for imperfectly polite conversations about health and wellness… the place where cutting edge science meets ancient wisdom. Get Pearl and Serene's latest book – Purchase Trim Healthy Wisdom and join the women that are ready to “rock 40 and beyond.”  Explore the Store:  Click here to visit Pearl and Serene's online store with over 100+ products, optimized for peak health.  Join Our Membership! Go to www.TrimHealthyMembership.com to access special series, recipes, and other exclusive content.  Get in the best shape of your life!  Access their premium workout series, Tribe Healthy, go to www.Youtube.com/TrimHealthyMama Join KIAORA:  Pearl and Serene have launched a Bioidentical Hormone Replacement Therapy tele-health company that is available in nearly every state in the USA! Go to www.KIAORA.com to learn more.  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's episode of The Life of a Bon Vivant, Beeta explores why big, dramatic life changes often lead to burnout and how true, sustainable transformation can be achieved. Drawing from her experience coaching women through career and lifestyle transitions, she unpacks the mindset traps that lead to overwhelm and offers a more grounded, manageable approach to personal growth. Whether you're feeling stuck or simply craving a fresh start, this episode offers gentle encouragement and tips to help you out.To get in touch about my coaching services: contact@MonPetitFour.comTo get the Atomic Habits book: https://amzn.to/4n6lMAW

Si te alguna vez te has sentido sola mientras persigues tus metas... este episodio es para ti. Hablo del poder de pertenecer a una comunidad que te represente, que te nutra, que te haga saber que no estás sola y que active en ti las neuronas te hacen creer y ejecutar. Hago un recorrido neurocientífico y te comparto las lecciones aprendidas en "Atomic Habits" para explicarte como una comunidad es el mejor acelerador de tus metas y sueños. La estrategia de sentirte bien no solo está en lo que haces, sino con quien te rodeas.  Si esa comunidad creen en ti... tú también comienzas a creer. Y si quieres pertenecer a mi comunidad de acción y propósito el taller MENTES Virtual regresa el sábado 19 de julio.  Tomar el taller es el primer gran paso que te asegura tu entrada a la comunidad.  ¿Vienes? Resgístrate en este link: https://www.themindcommander.com/mentes Escríbeme al email: cindythemindcommander@gmail.com Mis redes: https://www.instagram.com/cindythemindcommander/ https://www.facebook.com/profile.php?id=100079463197679

In this solo episode, Nik Fialka dives deep into one of the most underrated skills in aviation—and life: self-awareness. Drawing from personal reflection, his experience coaching pilots, and insights from the book Atomic Habits, Nik explores how understanding yourself is the foundation for meaningful growth and career success. From confronting ego to developing habits like journaling and seeking real feedback, this episode serves as a reminder that becoming a great aviator goes far beyond stick and rudder skills. Whether you're deep in training or prepping for your next big opportunity, this message will help you reflect, recalibrate, and realign. This isn't about being perfect—it's about being honest. What You'll Learn in This Episode:   Why self-awareness is crucial to your growth as an aviator and a human being   How ego and confirmation bias can hold you back   Simple ways to build a habit of daily reflection   The importance of seeking honest feedback—and how to handle it   Why external validation won't fuel long-term success   How intentional self-awareness can improve your interviews, relationships, and overall mindset   CONNECT WITH US Are you ready to take your preparation to the next level? Don't wait until it's too late. Use the promo code “R4P2025” and save 10% on all our services. Check us out at www.spitfireelite.com! If you want to recommend someone to guest on the show, email Nik at podcast@spitfireelite.com, and if you need a professional pilot resume, go to www.spitfireelite.com/podcast/ for FREE templates!   SPONSOR Are you a pilot just coming out of the military and looking for the perfect second home for your family? Look no further! Reach out to Marty and his team by visiting www.tridenthomeloans.com to get the best VA loans available anywhere in the US. Be ready for takeoff anytime with 3D-stretch, stain-repellent, and wrinkle-free aviation uniforms by Flight Uniforms. Just go to www.flightuniform.com and type the code SPITFIREPOD20 to get a special 20% discount on your first order. Big Rock - Take the Lead by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/   #Aviation #AviationCareers #aviationcrew #AviationJobs #AviationLeadership #AviationEducation #AviationOpportunities #AviationPodcast #AirlinePilot #AirlineJobs #AirlineInterviewPrep #flying #flyingtips #PilotDevelopment #PilotFinance #pilotcareer #pilottips #pilotcareertips #PilotExperience #pilotcaptain #PilotTraining #PilotSuccess #pilotpodcast #PilotPreparation #Pilotrecruitment

Here's the replay from the most recent live Q&A that was held on my YouTube channel!Special offer extended to you as a podcast listener

Dr. Kriti Bhagat joins the podcast to explore the intersection of optometry and her deep passion for reading. From launching a successful bookstagram during COVID to editing pre-release manuscripts for major publishers, Kriti shares how books help her decompress, connect with others, and become a better leader. We also dive into burnout, business ownership, favorite reads, and how fiction and nonfiction alike shape identity and creativity beyond the exam room. Follow Brew Reading: www.instagram.com/brew.reading Info on the Gateway Tour - gatewaytour.ai BookNerds page: https://www.practiceperformancepartners.com/pages/booknerds Join the BookNerds Discussion: https://chat.whatsapp.com/Kg7fQNNyEQq2HWUEwOX9GP Timestamps: 00:00 – The story behind Kriti's color-coded bookshelf 01:30 – Her journey through optometry and private practice ownership 05:00 – Launching @brew.reading and finding an audience 08:30 – Harry Potter and the book that sparked it all 13:00 – The power of reading nonfiction for personal growth 16:00 – Why “Buy Back Your Time” changed her leadership 19:30 – Editing for Penguin, HarperCollins, and Simon & Schuster 25:00 – Go-to rereads: Atomic Habits, Relentless, and more 30:00 – Graphic audiobooks and how we absorb content 34:00 – Writing in optometry vs. personal creativity 37:00 – Instagram, photography, and aesthetic storytelling 42:00 – How podcasting fuels creative connection 46:00 – Current reads: Burnout and All It Takes Is a Goal 50:00 – Thoughts on AI and being ready for disruption 54:00 – Identity, leadership, and knowing your “why” 56:00 – DNF culture and finishing what you start (or not) ------------------------- Go to MacuHealth.com and use the coupon code PODCAST2024 at checkout for special discounts Let's Connect! Follow and join the conversation! Instagram: @aaron_werner_vision

In Part 2 of the Habits series, April continues the powerful conversation on how to design your day (and life) through the lens of high-performance habits. While Part 1 focused on tools and awareness, this episode takes it further with implementation strategies that help you automate your success—no extra motivation required. Key Takeaways: Discover how environment design can make or break your habits. Learn to stack habits effectively and create powerful daily routines. Replace “decision fatigue” with automated excellence. Understand the neurological patterns that lock in habits for good. Learn the mindset shift that keeps you consistent even on low-energy days. Action Items: Do a habit audit: What's automated? What requires too much mental load? Apply habit stacking: Anchor a new habit to something you already do. Adjust your physical and digital environments to support success. Practice grace but also discipline—remind yourself why you started. Featured Quotes: “Don't rely on discipline alone—build systems that do the heavy lifting.” “Your habits are creating your future, whether you realize it or not.” What's Next: You've got the tools. You've got the awareness. Now take action. Design your habits, and you'll design your results. Stay tuned for upcoming episodes that build on high-performance routines, mindset shifts, and behavior hacks that move the needle.   --------- Want to be part of a transformative experience for entrepreneurs and leaders?

Episode #209 In this week's episode, Terri shares a summary of three, key takeaways from her favorite book about habit change, Atomic Habits by James Clear.  Terri highlights that, by using these three principles of behavior change in approaching your goals, you will be better able to utilize all the fasting and nutrition knowledge you have been learning, and create sustainable success.   Sign up TODAY for the Optimize Your Weight (Fat) Loss Workshop with Heather Shuker, CRNP.  Starts July 15th. 10% Discount with code PODCAST10 https://www.thefastingmethod.com/masterclasses-and-live-workshops-2025/#Optimize   Transcripts of all episodes are available on the Podcast page at www.thefastingmethod.com Please Submit Your Questions for the Q&A episodes here: https://bit.ly/TFMPodcastQs   Book a complimentary 15-minute coaching intake assessment with one of the TFM coaches https://www.thefastingmethod.com/coaching/   Connect With Us Instagram: https://www.instagram.com/fastingmethod/ Facebook Page: https://www.facebook.com/TheFastingMethod Join our FREE Facebook Group: https://bit.ly/TFMNetwork   Summary Timestamps 00:00 Intro 02:48 Three of the most important takeaways from Atomic Habits. 04:58 Small, lifestyle changes compound over time. 08:52 We don't rise to the level of our goals, we fall to the level of our systems. 14:49 Habits don't stick unless we alter our identities. 20:35 The problem with being a foodie.   Disclaimer This podcast is for educational purposes only and is not a substitute for professional care by a doctor or other qualified medical professional. You should always speak with your physician or other healthcare professional before doing any fasting, changing your diet, taking or adjusting  any medication or supplements, or adopting any treatment for a health problem. The use of any other products or services purchased by you as a result of this podcast does not create a healthcare provider-patient relationship between you and any of the experts affiliated with this podcast. Information and statements regarding dietary supplements have not been evaluated by the Food and Drug Administration and are not intended to diagnose, treat, cure, or prevent any disease.

Wanting to make changes, but feeling too overwhelmed and exhausted to start? You're not alone—and you don't need a complete life overhaul to start feeling better. In this episode, I'm diving into the science and simplicity of microhabits: tiny, 2-minute actions that help you regain control of your time, energy, and mental clarity—without adding to your to-do list. Drawing from insights in Atomic Habits and lived experience on the frontlines of healthcare, I'll walk you through how low willpower and motivation are normal—and how designing your day with smart cues and habit-stacking can help you build rhythms that stick. You'll learn practical, real-life examples of microhabits for different areas of your well-being such as physical, mental, financial, social, spiritual, and professional. Be sure to grab your free Microhabits for Healthcare Professionals Cheat Sheet to start putting these ideas into practice today! It's packed with examples for each health domain and quick tips to get you started today. Resources mentioned: Microhabits for Healthcare Professionals Cheat Sheet Atomic Habits Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner's Workbook here! Website / Blog: pathefiway.com Follow along on Instagram: @pathefiway https://www.instagram.com/pathefiway/ Connect on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/ Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway Questions or thoughts about the show? Email pathefiway@gmail.com Enjoy the show? You can now support the PA the FI Way podcast through Buy Me a Coffee! Thank you for all of your support! https://www.buymeacoffee.com/pathefiway Keywords: microhabits, atomic habits, physician assistant finances, physician associate finances, physician assistant financial independence, physician associate financial independence, physician associate burnout, physician assistant burnout, burnout in medicine, healthcare burnout, clinician burnout, self-care in medicine

In this first installment of the Habits series, April debunks the myth that motivation is the key to achieving your goals. Whether you're launching a business, writing a book, or committing to your health, the secret isn't motivation—it's habits. April dives into how to build better habits that stick, eliminate the ones that derail your progress, and use simple tools to drive long-term success. Key Takeaways: Identify your current habits—good and bad—and evaluate the true payoff of each. Learn why Keystone Habits like making your bed set the tone for the day. Decrease the friction around good habits and increase it around bad ones. Use easy, powerful tools like phone alarms and reward systems to stay consistent. Understand how "temptation bundling" can make positive habits more enjoyable. Action Items: Reflect on a time when you had a great habit that worked. What made it effective? Name your bad habits and recognize the hidden reward behind them. Start creating Keystone Habits with small wins every morning. Label phone alarms with inspiring phrases that cue your new behaviors. Set up a reward system so your brain wants to keep showing up. Featured Quotes: “You don't need more motivation. You need better systems and consistent habits.” “If we can identify it, we can rewire it.” Recommended Reading: Atomic Habits by James Clear — Buy here The Power of Habit by Charles Duhigg — Buy here Stay Tuned: Don't miss Part 2, where we build on this foundation and dig deeper into how to automate success and master long-term behavior change. --------- Want to be part of a transformative experience for entrepreneurs and leaders?

In this episode of The Reformed Brotherhood, Tony Arsenal takes listeners on a deep dive into the art and purpose of effective note-taking, particularly within the context of Christian living and theological study. With Jesse absent for this episode, Tony explores practical techniques to help Christians retain, process, and apply what they read, whether it be from Scripture, theological works, or even secular writings. Highlighting his own personal process, Tony emphasizes the importance of reading with intention and grounding all study in the ultimate goal of glorifying God and enjoying Him forever. The episode details Tony's structured note-taking process, which includes reading with a clear purpose, capturing highlights, organizing thoughts systematically, and reviewing and reusing notes for practical outcomes. He emphasizes the importance of using tools that work for the individual, whether digital platforms like Obsidian markdown or analog methods like commonplace books. The central theme throughout is that note-taking is not just about acquiring knowledge, but about using that knowledge to reflect God's glory in everyday life. Tony also ties the practice of note-taking to theological principles, referencing the Westminster Catechism's teaching that every action should aim to glorify God. He challenges listeners to examine their own study habits and consider how they can better use what they learn to serve their families, churches, and communities. Whether through teaching Sunday school, sharing the faith with children, or preparing sermons, the episode demonstrates how intentional note-taking can enhance spiritual growth and equip believers for ministry. Key Points: The Purpose of Note-Taking: Note-taking is not an end in itself but a means to glorify God and enjoy Him forever. It helps Christians reflect on and apply what they learn in practical ways. Tony's Note-Taking Process: A step-by-step guide that includes reading with intention, highlighting key insights, organizing notes with tags, and reviewing them regularly for reuse. Tools and Techniques: Recommendations for using tools like Obsidian markdown or analog methods, emphasizing flexibility and personalization in developing a system that works. Practical Applications: The importance of using notes for teaching, sermon preparation, family devotions, and theological discussions, making knowledge actionable and impactful. Theological Foundations: Connecting note-taking to the broader Christian life, including meditating on Scripture and theological works as a means of sanctification. Questions for Reflection: How does your current note-taking process help you retain and apply what you read? In what ways can you ensure that your study habits glorify God and enhance your enjoyment of Him? What tools or methods could you adopt to make your note-taking more effective and organized? How can you use what you learn to serve your church, family, or community more effectively? What intentions or goals should you set before starting your next reading or study session?

If you often find yourself making purchases you don't need or mindlessly clicking that BUY NOW button, this conversation is for you! This is a snippet from episode 142, titled Break Impulse Spending & Own Your Attention where Kelly speaks with bestselling author, speaker, and filmmaker Anthony Ongaro to help you curb impulsive spending and develop more intentional buying habits. Anthony defines 'the twitch' as the impulse to escape discomfort through distraction and he opens up about his own struggles with this pattern and how it led to years of overspending on Amazon. You will learn about the tools that helped him take back control: from no-buy challenges and strategic decluttering to creating friction between himself and online temptations. Plus, this conversation will encourage you to reflect on your own relationship with spending, recognize any emotional triggers behind your purchases, and learn how to sit with discomfort in order to create more meaningful habits. Get ready to rethink your consumption patterns and become more intentional with your money, time, and attention! Listen to the full discussion: Ep.142: Break Impulse Spending & Own Your Attention with Anthony Ongaro Download K&L's Free Skincare & Makeup E-Guides Twenty Outfit Wardrobe E-Guide (Use MM10 for 10% off!)  Follow Millennial Minimalists: Instagram, Facebook, & YouTube Website: Mastersimplicity.com

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3624: Rosalyn Palmer reveals why breaking old habits is harder than it seems and why willpower alone isn't the answer. She explains how rewiring your brain with new environments, triggers, and rewards can help replace destructive routines with lasting, fulfilling habits. Discover the practical framework that empowers lasting change by understanding the deeper patterns behind behavior. Read along with the original article(s) here: https://rosalynpalmer.com/how-to-break-old-habits-before-they-break-you/ Quotes to ponder: "Over 40% of our daily actions are habitual." "It is NOT because you lack willpower or are weak-willed." "Have the right environment to foster success." Episode references: Atomic Habits: https://jamesclear.com/atomic-habits Tiny Habits: https://www.tinyhabits.com/ The Power of Habit: https://charlesduhigg.com/the-power-of-habit/ Jud Brewer: https://drjud.com/ The Seven Habits of Highly Successful People: https://www.franklincovey.com/the-7-habits/ Learn more about your ad choices. Visit megaphone.fm/adchoices

D.O. shares the "7 Habits of Highly Successful Loan Officers." Drawing inspiration from Atomic Habits by James Clear and real-world experiences from top-producing mortgage pros, this episode is packed with actionable advice for mortgage professionals who want to elevate their game.

We are exposed to more information than ever, and in the age of social media, that information moves fast. In a world of never-ending advice, it's easy to get stuck in a cycle of consuming information without taking action. On today's show, you're going to learn how you can achieve more by learning less. On this episode of The Model Health Show, I'm sitting down with Pat Flynn. Pat is a serial entrepreneur, author, and one of the leading authorities in the space of digital marketing. His new book, Lean Learning, is a powerful guide to changing the way that you learn so that you can accomplish more. In this conversation, Pat is sharing strategies you can use to focus on what matters, to simplify learning, eliminate distractions, and maximize efficiency. You're going to learn specific tactics and tools you can use to make progress on any goal, how to deal with FOMO, and how changing the way you learn can change your life. I hope you enjoy this interview with the one and only, Pat Flynn!  In this episode you'll discover:  Why information overload is the new normal. (9:25) The different types of information, and which is the most important. (12:20) How Pat got started making money online. (12:43) What to look for in a mentor, and why you should only have one or two. (16:49) A powerful strategy for dealing with FOMO. (17:32) What selective curiosity is. (21:33) How to filter out your inspirations. (21:59) What the inspiration matrix is. (22:46) The importance of spending time on hobbies that allow you to recharge. (22:58) How to do a junk spark audit. (25:22) What micro-mastering is and how Pat used it to become better at public speaking. (27:02) The power of incremental improvements. (31:03) A visualization exercise you can use to make decisions. (35:28) Why we need to change the way we learn. (39:37) What the 20% itch rule is. (44:49) The critical role of champions. (51:52) How to use voluntary force functions to accelerate growth. (59:25) Why preparing to teach is a profound way to learn. (1:15:02)   Items mentioned in this episode include:  PaleoValley.com/model - Use code MODEL for 15% off! Piquelife.com/model - Get exclusive savings on bundles & subscriptions! Lean Learning by Pat Flynn - Get your copy of Pat's book today! Superfans by Pat Flynn - Read about creating a community with your business! Moonlighting on the Internet by Shelby Larson - Learn how to make money online! Essentialism by Greg McKeown - Read about prioritizing what matters! Stand and Deliver by Dale Carnegie - Learn how to become better at public speaking! Atomic Habits by James Clear - Read about mastering your habits! Connect with Pat Flynn Website / Podcast / Instagram / X / YouTube   Be sure you are subscribed to this podcast to automatically receive your episodes:   Apple Podcasts Spotify Soundcloud Pandora YouTube   This episode of The Model Health Show is brought to you by Paleovalley and Pique.  Use my code MODEL at Paleovalley.com/model to save 15% sitewide on nutrient dense snacks, superfood supplements, and more. Go to Piquelife.com/model for exclusive savings on bundles & subscriptions on cutting-edge solutions for your head-to-toe health and beauty transformation.