Podcast appearances and mentions of james clear

Looking at your Profit & Loss report isn't just about seeing what happened last month, it's about shaping what happens next.

Timothy Moser, founder of LearnCraft Spanish, shares how he scaled a 7-figure education business in today's fast-changing online landscape. From why SEO is collapsing to the surprising rise of YouTube as a high-converting channel, Timothy breaks down the strategies behind his content flywheel, email list growth, and powerful giveaway launches that turn listeners into paying customers. Dan and Timothy also discuss what founders really get from in-person Dynamite Circle events, how a 30-person remote team stays aligned, and the realities of carrying entrepreneurial responsibility—even when you “unplug.” LINKS: LearnCraft Spanish (https://www.learncraftspanish.com/) Contact Timothy to talk business (mailto:timothy@learncraftspanish.com) “Traction: Get a Grip on Your Business” by Gino Wickman (https://www.amazon.com/Traction-Get-Grip-Your-Business/dp/1936661837) Meet the world's most generous global entrepreneurs inside Dynamite Circle (https://dynamitecircle.com/) Connect with 7+ figure founders inside DC BLACK (https://dynamitecircle.com/dc-black) Remote First Recruiting: Find your next best remote hire in 21 days (https://remotefirstrecruiting.com/) 22 FREE business resources for location-independent entrepreneurs (https://tropicalmba.com/resources) CHAPTERS: (0:00:13) Welcome & Today's Big Question (00:01:48) Meet Timothy Moser & LearnCraft Spanish (00:07:38) How DC Events Unlock Growth (00:12:16) The SEO Collapse in 2025 (00:14:01) YouTube vs Podcasting in 2025: What Actually Works? (00:17:04) The Flywheel Effect of Great Long-Form Content (00:21:24) Timothy's Counter-Culture Giveaway Strategy (00:29:50) Scaling and Delegating: Challenges for Bootstrapped Founders (00:36:24) Can Founders Ever Unplug? CONNECT: Dan@tropicalmba.com Ian@tropicalmba.com Past guests on TMBA include Cal Newport, David Heinemeier Hannson, Seth Godin, Ricardo Semler, Noah Kagan, Rob Walling, Jay Clouse, Einar Vollset, Sam Dogan, Gino Wickam, James Clear, Jodie Cook, Mark Webster, Steph Smith, Taylor Pearson, Justin Tan, Matt Gartland, Ayman Al-Abdullah, Lucy Bella. PLAYLIST: Health Expert EXPOSES the "Eat Less, Exercise More" Movement (https://www.youtube.com/watch?v=ifN_JJdt5qo) Going Deep With Your Customers (https://www.youtube.com/watch?v=Z-pNiE9WYzc) Taking the Entrepreneurial Leap (https://tropicalmba.com/episodes/entrepreneurial-leap-gino-wickman)

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

Hitting $100,000 in profit isn't just a dream, it's a goal you can reach with the right plan.

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 ★

Humans - by nature - take the easy way out…we would love to say we don't, but we do! But growth in any part of our lives relies on what author James Clear refers to as "Small Daily Discomforts." What is a Small Daily Discomfort? It's something that you do that's not the ‘easy route' intentionally to be a better version of yourself. In this episode, we talk about small daily discomforts, why you need them, and how you can use them to grow into a better version of you.

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...

When Dan started training for an intense cycling season, he needed more energy... without wrecking his health. That led him to Jay Feldman, a health researcher who believes most mainstream advice is dead wrong. In this episode, Jay explains why “eat less, exercise more” backfires, and what to do instead. You'll learn how metabolism really works, which foods help or hurt, and how to eat in a way that actually fuels your life. LINKS: FREE Energy Balance Food Guide (https://www.jayfeldmanwellness.com/guide/) The Energy Balance Podcast (https://www.jayfeldmanwellness.com/podcast/) 22 FREE business resources for location-independent entrepreneurs (https://tropicalmba.com/resources) Meet the world's most generous global entrepreneurs inside Dynamite Circle (https://dynamitecircle.com/) Connect with 7+ figure founders inside DC BLACK (https://dynamitecircle.com/dc-black) Remote First Recruiting: Find your next best remote hire in 21 days (https://remotefirstrecruiting.com/) CHAPTERS: (00:00:28) Why This Episode Matters (00:04:17) What Is the Bioenergetic View of Health? (00:08:02) Why ‘Eat Less, Exercise More' Doesn't Work (00:13:39) The Food Industry's Role in the Diet Lie (00:20:15) What Should You Actually Eat? (00:22:30) Why Gut Health Affects Energy (00:27:24) Are Seed Oils Destroying Your Cells? (00:31:01) Why PUFAs May Accelerate Aging (00:35:52) What a Metabolism-Friendly Day of Eating Looks Like (00:38:49) How to Eat Like a Baby (and Why That's Good) (00:42:59) Where the Research Is Heading CONNECT: Dan@tropicalmba.com Ian@tropicalmba.com Past guests on TMBA include Cal Newport, David Heinemeier Hannson, Seth Godin, Ricardo Semler, Noah Kagan, Rob Walling, Jay Clouse, Einar Vollset, Sam Dogan, Gino Wickam, James Clear, Jodie Cook, Mark Webster, Steph Smith, Taylor Pearson, Justin Tan, Matt Gartland, Ayman Al-Abdullah, Lucy Bella. PLAYLIST: What is the World's Best Diet? (https://tropicalmba.com/episodes/diet?rq=health) The True Cost of Burnout, Anxiety, and Entrepreneurial Depression (https://tropicalmba.com/episodes/benny-lewis-mental-health?rq=health) Talking Smart Drugs (https://tropicalmba.com/episodes/smartdrugs?rq=health)

Get AudioBooks for Free LISTEN THIS EVERY DAY - Motivational Speech By James Clear | Best Motivational SpeechGet AudioBooks for Free⁠We Need Your Love & Support ❤https://buymeacoffee.com/myinspiration#Motivational_Speech#motivation #inspirational_quotes #motivationalspeechinspiración,inspiracional,podcast,motivación,Motivation,Motivational Speech Get AudioBooks for Free

In this uplifting episode of Inspiration Nation, Lee Kemp and Jose Noya explore the three essential qualities that define the kind of person everyone wants to work and grow with: being cheerful, accountable, and adaptable. Jose introduces the framework—originally inspired by James Clear—and Lee passionately expands on how these traits have shaped both personal and professional growth. The discussion moves beyond talent and intelligence, focusing instead on execution, mindset, and emotional intelligence.“This is the meaning of life,” Lee declares, encapsulating the episode's heart. From managing disappointment to building an engaged online community, Jose shares his evolution through adaptability, while Lee reflects on how accountability fuels his motivation and cheerful energy uplifts those around him. These three pillars are presented not just as soft skills, but as the real keys to fulfillment and success. Don't miss this powerful reflection on growth, impact, and resilience.

ข้อความโพสต์จาก James Clear ได้เขียนข้อความไว้ว่า "คุณจะรู้สึกดีกว่าเดิมถ้าคุณได้ลองเริ่มต้นทำอะไรบางสิ่งที่มันสำคัญ" - ข้อความกระตุ้นเตือนจิตใจในทุกวัน เราต้องเริ่มทำสิ่งใหม่ ๆ บ้าง เพื่อชีวิตที่ดีขึ้น - การเปลี่ยนแปลงของธรรมชาติ เป็นสิ่งที่เราต้องเข้าใจ ไม่ใช่ไปตั้งคำถามมันจนไม่ยอมเปลี่ยนอะไร - ฝึกฝนที่จะปรับที่ตัวเองก่อน ไม่ใช่ไปปรับที่คนอื่นก่อน จุดตั้งต้นคือตัวเราทั้งหมดเสมอ - ถึงแม้ว่าเราจะผิด หรือเราถูกก็ตาม แต่เราก็ต้องทำความเข้าใจว่ามันเป็นเรื่องธรรมดาที่ต้องเริ่มปรับเปลี่ยนบางสิ่ง - ความรู้สึกที่ดีขึ้นกว่าเดิม มันเป็นเพียงแง่งามหนึ่งของธรรมชาติ ไม่จำเป็นจะต้องใส่ใจเรื่องความรู้สึกแต่ให้มองเรื่องผลลัพธ์ที่ได้รับ

Dear Wonderful Readers,We did it! The first draft of The Sex Journal is done, and headed to the printers today! It's 140 pages long, so my estimate of 70 sheets at the printers was bang on. As I write this, I realize I'm probably going to regret not having any reader feedback before printing the first draft. Still, I look forward to learning that lesson the hard way when I return in August to examine the samples.It's not too late to sign up to be a beta reader of The Sex Journal! My offer still stands:* If you're a free subscriber, you can get 3 months of Misseducated's paid tier comped in exchange for your feedback* If you're a paid subscriber, you'll get a discount on the final journal once it's releasedI'll be back in late August with more updates about starting preorders. If you're truly dying to get your copy and don't want to miss a second of updates, you can respond “Preorder!” to this email, and I will put you on a special separate list.Share this with your favorite person…Let me just say, if there's one thing I've learned through this process, it's that creating a journal is WAY easier than writing a novel. WAY easier. It took me two years to complete the first draft of my novel, and 14 years to publish it. I completed the first draft of the sex journal in about a month. It's insanely faster. I'm grateful for that.A month ago, I looked at this pretty massive mountain in front of me and I thought: how the f**k am I going to do this? Well, it's been quite the creative rollercoaster, but somehow I pulled it together. For anyone who wants to try this at home, I'd recommend making your project your full-time job temporarily, picking an absolutely ridiculous deadline that you're not sure you can meet, and of course choosing to focus on a project that you are actually dying to do. I think the fact that I want this sex journal to exist and I have a seriously limited amount of time to create it before I go on holiday / run out of money has been the perfect recipe for getting s**t done. It enabled me to blast through any and all gatekeepers and limitations that were standing in my way.Now, I am not going to lie. I'm absolutely fried right now. I really wanted to write a funny, actually useful article for you today, but my brain is literally shutting down. On this home stretch, I've started sending emails to potential clients with spelling errors! For me, this is a small travesty and a sign. I can't go on.The good news is that I have SO many fun upcoming articles planned for you. Here are a few hints:* “My 5 Kinks and Why”: I want to revisit a classic topic and delve deeper into the quirky psychologies I developed in my childhood. Thank you, Freud!* “The Hot Gal's Guide to Sex in Mexico City”: Echoing my piece about dating Mexican men, I'm creating a guide for the girls, the gays, and the theys (à la Blakely Thornton) based on my experiences of living in Mexico City for three years as a single person wedged in the dating scene. This guide will be full of local lore that you can't find anywhere else, including which locations, bars, restaurants, and gyms you should frequent, depending on the type of person you're looking to bang. This piece makes me smile every time I think about it.* “We are the village”: This will be a more tender piece about how we can shamelessly support the young women in our lives with issues like sex, birth control, and healthy romantic relationships. I'll be coining an unscientific term of “life auntie”, a role which I've accidentally taken on. It's an ode to remembering that we matter when it comes to being there for younger people. It's also an antidote to the insanely uncertain shitstorm of the world right now, because it's a direct impact we can have on the lives of others and something we can control.* Do you have a burning question or a topic you want me to write about? Leave me a comment, a DM, or a quick response to this email, and I'll make it happen.The bad news is that I am indeed going on holiday for almost a month. You can expect the next Misseducated update from me on Tuesday, August 19th. I know that is an age away. I will miss you because I love writing this newsletter. But the truth is that aside from the week-long creative orgasm of my sex journal, I have been struggling creatively. This is because of at least two major factors:* I started using AI to help me edit my work. I started paying for Claude and ChatGPT, and while it's been helpful to tighten my paragraphs for clarity and make it easier to find research articles for The Sex Report, for example, I feel like I've lost the way. I'm obviously a bit of a writing purist, so I only use AI to help me edit my work, but still. I don't like the quality of the things I've been producing with its help. Looking back, I don't like it's ideas of what's optimal. I need to take time away from the internet. Luckily, I'm going to the mountains of California with literally nothing but my own thoughts to nag me for almost two weeks. It's the reset I need. Wish me luck.* I've started stressing about growth metrics too much. Just like the type-A Wharton graduate I am, or like anyone who's hooked on social media, I've been checking engagement, clicks, views, subscriptions, and all that crap of this newsletter for a few months now. I've noticed some trends as to what people like, but it's started to consume me. I've literally forgotten about the fun things that I want to write about. I've become too focused on the outcomes, as opposed to just enjoying the creative process. According to Rick Rubin, James Clear, and a variety of modern-day gurus, obsessing about the outcomes and the performance of your work is literally the worst thing you can do, for your work itself and your creativity. And I've got a pretty heavy case of the outcomes obsessions. Here are some relevant Rick Rubin quotes:“The best work is the work you are excited about.”“Your trust in your instincts and excitement are what resonate with others.”“If we second-guess our inner knowing to attempt to predict what others may like, our best work will never appear.”And of course, it's all exacerbated by comparing myself to other Substackers! Social comparison is the worst. I still haven't learned my lesson. So a break from social media will also hopefully help me with that. The point is, I'm hoping a couple of weeks driving around in the Western United States, and retreating to the mountainous forests of Northern California, will help me remember why the hell I am doing this and what kind of writing excites me the most. I am not giving up.Anyway, I want to say a big thank you for reading and being here with me for this ride! Your support helps to keep me going, reminds me to keep learning, and keeps me honest in the process.I hope you all have a relaxing, creative couple of weeks, and I can't wait to connect with you again soon once I'm back!Lots of love,Tash

In this essential episode, Lane Shackleton shares crucial insights about navigating AI's transformation of product management. From the concept of a "multi-agent world" to practical frameworks for building resilient product teams, Lane provides a roadmap for product leaders who want to thrive rather than just survive the AI revolution. Key Takeaways

This week, we're talking about how to coach yourself with compassion — no whistles, no harsh pep talks, just gentle encouragement and small wins that add up.We chat about:✅ Why we're done with strict rules and tiny, measurable goals (sorry, Monday Resets!)✅ Kate Bowler's books and her beautiful reminders to embrace imperfect days✅ James Clear's idea of getting just 1 percent better✅ Adding wellness wins into everyday life (power bowls, restorative yoga, and even Packers couch coaching)✅ Handling setbacks with grace (thanks, Grandma Sara!)✅ Planning your day with intention, not pressureWe're all about keeping things light, happy, and real — because sometimes the best coach is the one who cheers you on with kindness.More From Us:We'd love for you to join us at the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Chit Chat Coop⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on FaceBook where you can  respond to the week's Chit Chat Challenge. The CC Coop is a fun place to come for positive energy and encouragement to live your best lives. Here are our individual blogs:Leah's blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://leahrempel.org/blog⁠⁠Eydie's blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠littleranchhouseintheprairie.blogspot.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Here are our instagram accounts:Follow us for updates on our podcasts, writing, cards and art.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠2 Chit Chat Chicks Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Leah's Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Eydie's Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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! 

Renée Puvvada on How to Revive a Dead Book and Sell Thousands (North Fulton Business Radio, Episode 885) Most business professionals think writing a book will catapult their visibility and lead to instant credibility and clients. But what happens when the book flops? Renée Puvvada, founder and CEO of Smokin’ Hot Books, joins host John […] The post Renée Puvvada on How to Revive a Dead Book and Sell Thousands appeared first on Business RadioX ®.

Dan and Ian respond to a series of spicy "unpopular opinions" about entrepreneurship, employment, digital nomadism, and lifestyle design, sourced straight from Reddit. They weigh in on whether boring businesses really win, if you can get rich working a 9-to-5, and whether meeting locals is overrated when traveling as a nomad. LINKS: 22 FREE business resources for location-independent entrepreneurs (https://tropicalmba.com/resources) Meet the world's most generous global entrepreneurs inside Dynamite Circle (https://dynamitecircle.com/) Connect with 7+ figure founders inside DC BLACK (https://dynamitecircle.com/dc-black) Remote First Recruiting: Find your next best remote hire in 21 days (https://remotefirstrecruiting.com/) CHAPTERS: (00:00:00) Intro (00:01:08) Unpopular Opinion #1: Boring Businesses Actually Win (00:05:26) Unpopular Opinion #2: A Job Can Make You Rich (00:11:22) Unpopular Opinion #3: Strategic Planning Is a Waste (00:13:49) Unpopular Opinion #4: Meeting Locals is Overrated (00:17:49) Unpopular Opinion #5: Entrepreneurship Isn't All Sacrifice CONNECT: Dan@tropicalmba.com Ian@tropicalmba.com Past guests on TMBA include Cal Newport, David Heinemeier Hannson, Seth Godin, Ricardo Semler, Noah Kagan, Rob Walling, Jay Clouse, Einar Vollset, Sam Dogan, Gino Wickam, James Clear, Jodie Cook, Mark Webster, Steph Smith, Taylor Pearson, Justin Tan, Matt Gartland, Ayman Al-Abdullah, Lucy Bella. PLAYLIST: “Lifestyle Business” vs “Real Business” (https://tropicalmba.com/episodes/lifestyle-vs-real-business) Taking the Entrepreneurial Leap (https://tropicalmba.com/episodes/entrepreneurial-leap-gino-wickman) A Game of Would You Rather ft. Noah Kagan (https://tropicalmba.com/episodes/would-you-rather)

➢ Follow @Colossusfit on IG and message "Fat loss guide" and we'll send it over completely FREE➢ Instagram- https://www.instagram.com/colossusfit/?hl=enWelcome to Motivation Monday, where every Monday we answer all of your questions and have some real talks about life & fitness & get you fired up for the week! In this episode we talk about the best cardio for fat loss, if fasted cardio works and if you need 8 hours of sleep.(00:00) Intro(01:21) Question 1- What is the best cardio for fat loss in your opinion?(14:00) - Kyle quote:“To be successful at anything, the truth is you don't have to be special, you just have to be what most people aren't. Consistent, determined, and willing to work for it. No shortcuts.” - Tom Brady(15:52): Josh quote: “Don't just work hard. Work hard on the right thing.” — James Clear(24:32): What's been making us happy (27:04): Client shoutout: Shelby(29:57) Question 2- Is fasted cardio better?(33:32)Question 3- Do you need eight hours of sleep?Thanks for listening! We genuinely appreciate every single one of you listening.➢Follow us on instagram @colossusfit➢Apply to get your Polished Physique:  https://colossusfitness.com/#healthyhabits #motivation #fitnessmotivation

Want to grow your sales? You don't need a million-dollar ad budget or a flood of new customers. You just need to focus on the three core ways businesses actually increase revenue: 1️⃣ Bring in new customers 2️⃣ Get existing customers to come back 3️⃣ Increase how much they spend each time In this episode, we break down how each strategy works—and how you can start using them today. Most business owners chase new customers non-stop, but the real profit often comes from what you're not paying attention to. Let's unlock the hidden sales sitting right inside your business.

Send a Text Message. Please include your name and email so we can answer you! Please note, this does not subscribe you to our email list, it's just to answer if you have a questions for us. You know the feeling: you start a new health habit with enthusiasm, but within days (or hours), that inner voice kicks in. "This five-minute walk doesn't even count." "Why bother with one vegetable when I should be meal prepping for the entire week?" "If I can't do it perfectly, I might as well not do it at all."If that sounds familiar, you're caught in the perfectionism trap—and it's quietly sabotaging every health goal you set. The problem isn't your lack of willpower or motivation. It's that you've been conditioned to believe that anything less than perfect isn't worth doing. So you end up doing nothing, stuck in an endless cycle of elaborate plans that never get started and ambitious goals that always fall short.But what if those "insignificant" five-minute moments were actually the secret to lasting change? What if good enough was not only okay—but the key to everything you want?In this episode, I break down why perfectionism is the real enemy of progress and share two powerful strategies that will transform how you think about health habits.ReferencesKara Loewentheil: Perfectionist Fantasies + Tomorrow ThinkingAtomic Habits by James ClearAudio Stamps00:30 - Dr. Rentea defines perfectionism as "never good enough" and explains why 99% of people dismiss their health progress and set unrealistic goals.02:58 - The farmer analogy: How five-minute health actions accumulate like harvesting crops to fill your wellness "pantry" over time.07:20 - "Don't miss it twice" - the key strategy for maintaining health momentum when life gets in the way.12:52 -  How to go from "passive action" (consuming content) to "massive action" (actually implementing one small change).15:48 - James Clear's insights on what prevents people from reaching potential: lacking courage, trying to please everyone, and dividing attention between too many goals.Enrollment is now open for the September 30/30 program! JOIN NOW and get immediate access, live calls start in September. Premium Season 1 of The Obesity Guide: Behind the Curtain -Dive into real clinical scenarios, from my personal medication journey to tackling weight loss plateaus, understanding insulin resistance, and challenges with GLP-1s. Plus, get a 40+ page guide packed with protein charts, weight loss formulas, and more. Pre-register for the Sep 30/30 group.

Quote of the Day: "Many people think they lack motivation when what they really lack is clarity" - James ClearAudio Source: https://youtu.be/mNeXuCYiE0U?si=q-j3LaFCDuXI42ceIf you enjoyed today's episode: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Leave a review on Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support via Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check Out My Business Adventures Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join the Upcoming Newsletter

In today's episode, Dr. Rick Rigsby discusses the importance of taking responsibility and how small daily habits can lead to big improvements.  Drawing from his own experience of losing over 100 pounds, Dr. Rick shares practical steps to develop a growth mindset and achieve your goals.  With insights from Aristotle, James Clear, and Navy SEALs, this episode offers valuable advice for both personal and professional growth.  Join us as we explore simple strategies to move forward and improve your life. Show Highlights Include:  Here is how you can decrease entropy and propel growth [01:45] What is the real challenge in the pursuit of losing weight? [03:10] This is your key to attaining huge results [04:24] Discover the importance of assuming responsibility [05:48] Learn about the biggest flaw that hinders growth mindset [06:41] How can you pave the way for complete accountability [08:14] Do you have a right estimate of yourself? [10:32] Learn to stop blaming others and making excuses [11:44] Do you want to stop existing and start living your best life right now? Click here to get the first chapter of Dr. Rick's best-selling book, Lessons From a Third Grade Dropout, for free.

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

We're halfway through 2025! This episode is a raw look at what's working, what's not, and the experiments we're doubling down on. From running premium events at zero profit to building lean teams with talent from Latin America, we share the trade-offs and results behind every decision. Dan and Ian open the books on DC BLACK and DC Accelerator, plus they uncover how Remote First Recruiting quietly had one of its best quarters yet. LINKS: Dan's Four Bricks presentation (https://www.youtube.com/watch?v=5ZooQo760Ik&ab_channel=TropicalMBA) Meet the world's most generous global entrepreneurs inside Dynamite Circle (https://dynamitecircle.com/) Connect with 7+ figure founders inside DC BLACK (https://dynamitecircle.com/dc-black) Remote First Recruiting: Find your next best remote hire in 21 days (https://remotefirstrecruiting.com/) CHAPTERS: (00:00:42) Can You Break a Plateau Without Spending $200K? (00:01:45) Why Your Next Growth Phase Starts With You (00:06:45) What Happened When Our CFO Left (00:11:27) Why We Finally Launched a Premium Tier (00:16:01) The Real Results of Our $5K Coaching Program (00:22:03) Is Our Recruiting Arm About To Have Its Best Quarter Yet? (00:28:01) We're Going to Bangkok This October CONNECT: Dan@tropicalmba.com Ian@tropicalmba.com Past guests on TMBA include Cal Newport, David Heinemeier Hannson, Seth Godin, Ricardo Semler, Noah Kagan, Rob Walling, Jay Clouse, Einar Vollset, Sam Dogan, Gino Wickam, James Clear, Jodie Cook, Mark Webster, Steph Smith, Taylor Pearson, Justin Tan, Matt Gartland, Ayman Al-Abdullah, Lucy Bella. PLAYLIST: “It's easier to 10X than to 2X” + 8 Lessons from CEO Bootcamp (https://tropicalmba.com/episodes/easier-10x-than-2x) Building ‘Brick by Brick': Goals, Plans, Scorecards, Cadence (https://tropicalmba.com/episodes/brick-by-brick) 90-Day Growth Plan in 10 Questions (https://tropicalmba.com/episodes/90-day-growth) The Wheel of Despair and the Paradox of Growth (https://tropicalmba.com/episodes/wheel-despair-paradox-growth)

Delanie Fischer is joined by Board Certified Behavior Analyst, Molly Maxwell, to discuss the powerful minutiae around behavior change including the principles of reinforcement, punishment (not as scary as it sounds!), and extinction. Molly also guides Delanie through crafting a game plan for 3 different habits she's amidst building—exposing the obstacles, from all angles, that are keeping her from action and consistency. You'll never think about 30 seconds the same way again!Plus:+ How Perfectionism Masks Our New Habit Wins+ The #1 Thing Lasting Behavior Change Needs+ Are You Punishing Yourself Without Realizing?More episodes related to this topic:1 New Habit Can Change Your Entire Life with Leo Babauta: https://www.selfhelplesspodcast.com/episodes/episode/39ed9a59/1-new-habit-can-change-your-entire-life-with-leo-babautaMini Habits by Stephen Guise: https://www.selfhelplesspodcast.com/episodes/episode/21d7febe/mini-habits-by-stephen-guise9 Habits That Have Changed Our Lives with Taylor Tomlinson, Kelsey Cook, and Delanie Fischer: https://www.selfhelplesspodcast.com/episodes/episode/26b05a4c/9-habits-that-have-changed-our-livesAtomic Habits by James Clear: https://www.selfhelplesspodcast.com/episodes/episode/24bc636e/atomic-habits-by-james-clearThe 7 Habits of Highly Effective People by Stephen R. Covey: https://www.selfhelplesspodcast.com/episodes/episode/33b48b31/the-7-habits-of-highly-effective-people-by-stephen-r-coveySupport the podcast, vote on topics, and more: https://www.patreon.com/selfhelplessYour Host, Delanie Fischer: https://www.delaniefischer.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

You could be losing sales and profits every single day—and not even realize it.

If your body feels like it's stuck in stress mode no matter how “healthy” you try to be, your mindset might be the missing piece.  In this episode, we're breaking down four common mental blocks that keep your hormones out of balance… and simple mindset shifts that can help you finally feel more at home in your body. We'll talk about how perfectionist thinking can actually keep your nervous system on edge and how focusing on small daily habits (à la James Clear's 1-degree plane shift) can create long-term change without burnout.Next up: guilt and shame. I'll share the stonecutter analogy that helps you swap shame for pride and consistency.We'll also explore how body frustration can morph into powerful gratitude when you zoom out including a powerful reframe I picked up from Alex Hormozi.And if you've ever felt like a single slip-up ruins your progress, you'll love the final mindset swap: learning to see those moments as tune-ups, not setbacks. Something I've had to lean into recently myself. These mindset upgrades aren't just motivational fluff. They lower stress, regulate your nervous system, and support better hormone balance over time.Whether you're deep in your healing journey or just getting started, these small mental shifts can make a big physical difference! Time Stamps: (1:22) Excited For Festive Food(3:10) Stress Management and Healing Hormones(5:16) Instant Gratification(6:45) #1: Perfectionistic Tendencies(10:52) #2: Guilt and Shame(15:32) #3: Feeling Stress About Your Body(21:47) #4: Seeing Slip-Ups As Setbacks---------------------Find Out More Information on Vital Spark Coaching---------------------Follow @vanessagfitness on Instagram for daily fitness tips & motivation. ---------------------Download Our FREE Metabolism-Boosting Workout Program---------------------Join the Women's Metabolism Secrets Facebook Community for 25+ videos teaching you how to start losing fat without hating your life!---------------------Click here to send me a message on Facebook and we'll see how I can help or what best free resources I can share!---------------------Interested in 1-on-1 Coaching with my team of Metabolism & Hormone Experts? Apply Here!---------------------Check out our Youtube Channel!---------------------Enjoyed the podcast? Let us know what you think and leave a 5⭐️ rating and review on iTunes!

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  

What happens when you've optimized everything… and growth still stalls? In this episode, Dan and Ian break down a powerful distinction most founders miss: the difference between optimization (making your business run smoother) and growth (finding and testing new paths to scale). They unpack insights from Growth Levers by Matt Lerner, a framework that helped PayPal and other startups unlock massive growth and why it still applies to bootstrappers today. You'll also get a behind-the-scenes look at how Dan and Ian run operations in under 5 hours per week using the “Four Bricks”: financials, a measured plan, individual scorecards, and pulse meetings (aka the Daily Huddle). Plus: why growth experiments often fail, how to avoid optimization creep, and how interviewing your customers using the “Jobs to Be Done” framework can reveal the 10% that leads to 90% of your growth. LINKS: “Growth Levers and How to Find Them” by Matt Lerner (https://www.amazon.com/Growth-Levers-How-Find-Them/dp/173842622X) “Scaling Up” By Verne Harnish (https://www.amazon.com/Scaling-Up-Mastering-Rockefeller-Habits/dp/0986019593/ref=sr_1_1?crid=I82ETY13E1ZJ&dib=eyJ2IjoiMSJ9.EunjEAWizJJCnRStrVvxOJwktAGOrvzCg7v4AoNJfIU6bVKGlwoaahD13GvmODVvdHfxaCtbalOfRWgZOg5S21BtHBMaKYq62OqBxcVCNbGCvxTyjwgDSB-CCVhwxnkkdUIfFUnmjvgMdP0NNqU-7ueWn59X5uFP1GVKtTr9KukRePtfM9H9riTjX7cbPcSSX6o8FtAMy464cHeRDDiEG-HRIkkMFr6E78CM5s3og_g.lpyuAh6r5azEIrwxxEgYJiq8LPg5qtpavZ6HnojzTvo&dib_tag=se&keywords=scaling+up&qid=1751519981&s=books&sprefix=scaling+up%2Cstripbooks-intl-ship%2C115&sr=1-1) Daily Huddle Template (https://docs.google.com/document/d/14i_qZjKFDP_IEjiF3XHd1j41H6Vop_Cp987L41QjXOQ/edit?tab=t.0) Company Scoreboard Template (https://docs.google.com/document/d/1ArOv-eMCWIxF8Yk3ngUlAuxITgMK3GUR5E6mfw57vR4/edit?tab=t.0#heading=h.3olbivi0zybz) Individual Scorecard Template (https://docs.google.com/document/d/1J_EGV0SnmhjBRRYr5GDnUGV9ULTd1Bbz9RaJQfEVAQw/edit?tab=t.0) “Jobs to Be Done” Interview Framework (https://www.dscout.com/people-nerds/the-jobs-to-be-done-interviewing-style-understanding-who-users-are-trying-to-become) Dan's Four Bricks presentation (https://www.youtube.com/watch?v=5ZooQo760Ik&ab_channel=TropicalMBA) Connect with generous global entrepreneurs (https://dynamitecircle.com/) CHAPTERS: (00:00:13) Intro: Founders, Channels, and What's Working in 2025 (00:01:40) Growth vs Optimization: The Lens That Changes Everything (00:09:34) The Four Bricks: How to Run Ops in Under 5 Hours/Week (00:18:38) Why Most Teams Avoid Growth (00:20:32) Growth Levers: The 10% That Drives 90% of Growth (00:28:00) Jobs to Be Done: Why Customers Really Buy (00:33:26) Growth Sprints: How to Experiment Without Burning Out (00:36:22) Common Mistakes That Kill Growth Early CONNECT: Dan@tropicalmba.com Ian@tropicalmba.com Past guests on TMBA include Cal Newport, David Heinemeier Hannson, Seth Godin, Ricardo Semler, Noah Kagan, Rob Walling, Jay Clouse, Einar Vollset, Sam Dogan, Gino Wickam, James Clear, Jodie Cook, Mark Webster, Steph Smith, Taylor Pearson, Justin Tan, Matt Gartland, Ayman Al-Abdullah, Lucy Bella. PLAYLIST: “It's easier to 10X than to 2X” + 8 Lessons from CEO Bootcamp (https://tropicalmba.com/episodes/easier-10x-than-2x) Building ‘Brick by Brick': Goals, Plans, Scorecards, Cadence (https://tropicalmba.com/episodes/brick-by-brick) 90-Day Growth Plan in 10 Questions (https://tropicalmba.com/episodes/90-day-growth) The Wheel of Despair and the Paradox of Growth (https://tropicalmba.com/episodes/wheel-despair-paradox-growth)

Jesse Vasquez is revolutionizing midterm rentals by securing corporate housing deals and creating high-cash-flow investment opportunities. Learn how real estate agents and investors can dominate their markets with this game-changing strategy!See full article: https://www.unitedstatesrealestateinvestor.com/everyone-is-sleeping-on-the-hidden-goldmine-of-midterm-rental-properties-with-jesse-vasquez/(00:00) - Introduction to The REI Agent Podcast(00:06) - Meet Your Hosts: Mattias and Erica Clymer(00:14) - What to Expect from Today's Episode(00:24) - Introducing Jesse Vasquez: Midterm Rental Expert(08:45) - The Journey into Midterm Rentals(09:59) - Jesse's Unexpected Real Estate Entry Through Healthcare(13:47) - The Shocking Reality of Travel Nurses' Housing Struggles(16:16) - A Life-Changing Decision: Sneaking Into HR to Make a Deal(21:46) - How Modern Investors Are Redefining Real Estate Strategies(23:07) - The Crucial Importance of Exit Strategies in Real Estate(25:29) - Live Market Analysis: Is Mattias' Property a Good Midterm Rental?(30:10) - Understanding Market Demand for Midterm Rentals(36:27) - Finding Hidden Opportunities in Local Housing Markets(40:46) - How to Connect with Hospitals for Consistent Midterm Tenants(45:01) - Real-Life Deals: Jesse's Strategy for Landing Corporate Housing Clients(50:48) - The Secret to Beating Airbnb at Its Own Game(55:28) - High-Performing Rental Markets: The Surprising Numbers(57:34) - Why Real Estate Agents Should Learn to Analyze Rental Markets(59:13) - The Power of Multiple Exit Strategies in Investing(1:01:12) - Book Recommendation: Atomic Habits by James Clear(1:02:31) - Bonus Book Recommendation: The E-Myth by Michael Gerber(1:04:11) - Where to Find Jesse Vasquez and Learn More(1:05:01) - Final Thoughts and Takeaways(1:05:08) - Outro: Subscribe and Stay ConnectedContact Jesse Vasqueztherealjessevasquez.comFacebookInstagramLinkedInYouTubeSpotifyApple Podcasts--Go to https://reiagent.com for more excellent tips like this!

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

Procrastination isn't just stealing your time—it's stealing your profits.

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

Shine a Light:https://www.shinealightlv.com/https://crossroadsofsonv.com/SummaryIn this episode of The Way Out Podcast, Brent Nowak shares his powerful journey of recovery from addiction, detailing his struggles with substances like methamphetamine and heroin. He discusses the importance of community support in recovery, his work with the Shine a Light Foundation, and the transformative power of personal growth. Brent emphasizes the significance of being willing to change, the role of music in his life, and the ongoing challenges of self-forgiveness. His story is one of resilience, hope, and the belief that recovery is possible for everyone.TakeawaysBrent's substance of choice was methamphetamine and heroin.Recovery is an internal journey, focusing on becoming a better version of oneself.Serving the recovery community is a vital part of Brent's life.Connection and community support are crucial in recovery.Brent's turning point came when he was arrested and sentenced to prison.The Shine a Light Foundation provides essential resources for those in need.Daily gratitude and reflection are key components of Brent's recovery routine.Forgiveness, especially of oneself, is a significant challenge in recovery.Music plays a vital role in Brent's emotional well-being.Brent's greatest success is helping others achieve their recovery goals.Recovery Literature (Quit-Lit) Recommendations: Drop the Rock by Bill P, Todd Weber, Sara S - https://a.co/d/4rkSqEjThe Inner Work: An Invitation to True Freedom and LastingHappiness by by Mathew Micheletti , Ashley Cottrell , The Yoga Couple , Mat& Ash - https://a.co/d/gtoi5H8Atomic Habits: An Easy & Proven Way to Build Good Habits& Break Bad Ones by by James Clear - https://a.co/d/9AYirhWBest piece of Recovery advice: Fail Forward Don't forget to check out “The Way Out Playlist” availableonlyon Spotify. Curated by all our wonderful guests on the podcast! https://open.spotify.com?episode/07lvzwUq1L6VQGnZuH6OLz?si=3eyd3PxVRWCKz4pTurLcmA(c) 2015 - 2025 The Way Out Podcast | All RightsReserved.Theme Music: “all clear” (⁠⁠⁠https://ketsa.uk/browse-music/)byKetsa(https://ketsa.uk⁠⁠⁠) licensedunderCCBY-NC-ND4.0(https://creativecommons.org/licenses/by-nc-nd)

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.

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

If you're constantly overthinking, overdelivering, overcommitting, and still feeling like it's never enough… this one's for you.In today's video, we're unpacking why so many of us with ADHD fall into the trap of doing too much—and how it's often rooted in something deeper: not knowing what "enough" feels like.I'll walk you through:Why ADHD brains chronically overcomplicateHow people-pleasing, perfectionism, and low self-trust fuel burnoutA reframe that changed everything for me: high value, low effortHow I'm using this mindset shift in life, business, and relationshipsA powerful question from James Clear that might just blow your mind

'Habits are the compound interest of self-improvement', James Clear tells us in Atomic Habits. But what if you don't have the right habits - or at least, not yet? And how do you motivate yourself to do the thing for the 21 days that, according to legend, are required in order to establish a habit unless you already have the habit?With all this talk of the importance of habits, you'd be forgiven for thinking that without the habits, there's no hope for you. But, in fact, motivation without habits is easier than you might think. You just need to be able to see past the psychological smoke and mirrors that you're unwittingly putting in your own way.Reference: Timothy D. Wilson and Daniel T. Gilbert (2003): 'Affective forecasting', Advances in Experimental Social Psychology 35: 345-411. 

What marketing strategies are actually working in 2025? Karla Singson shares standout tactics from a DC Mexico meetup she hosted, where 6- and 7-figure founders revealed how they're landing clients organically through Facebook groups, trade show podcast hacks, and thoughtful LinkedIn comments (no ad spend required). We also dive into Karla's own playbook: how she's built multiple businesses around authenticity, reputation, and smart delegation. She shares tips for handling sales calls, choosing offers that sell themselves, and why relationships (not reach) are her #1 growth lever. LINKS: Karla's Facebook (https://www.facebook.com/karla.singson) Karla's Instagram (https://www.instagram.com/karlastefan/) Karla's Business (https://proximityoutsourcing.com/) Dennis Yu's “Dollar a Day” Strategy (https://dennisyu.com/category/dollar-a-day/) Connect with generous global entrepreneurs (https://dynamitecircle.com/) Founders getting together in Bangkok this October for DCBKK 2025 (https://docs.google.com/document/d/1GFaF1Vj7I7H0f5BmGYuyoaGuEdMCo-3CkBnVDuaSwrI/edit?usp=sharing) Read Dan's book “Before the Exit” (https://www.amazon.com/Before-Exit-Thought-Experiments-Entrepreneurs-ebook/dp/B07BN2KD1J) Share your story/sponsor the pod (https://forms.gle/gKZFuwReHSvg8LD48) CHAPTERS: (00:00:13) Intro: Affordable Marketing for Scrappy Founders (00:01:29) Karla's Business Portfolio: From Flowers to Facebook Funnels (00:05:00) Why Founders Struggle to Delegate (00:10:17) 3 Low-Cost, High-Impact Client Acquisition Channels (00:12:59) Organic Facebook Marketing Still Works (Here's Why) (00:15:34) The 400% Revenue Trade Show Hack (00:18:29) How to Capture Leads by Commenting on LinkedIn (00:21:17) Why Most Founders Are Hesitant to Run Ads (00:22:50) The Rise of Hyper-Authenticity (00:26:30) Why In-Person Still Matters (But Not for the Reason You Think) (00:27:25) The '10 Industry Friends' Strategy for Rapid Growth (00:34:41) Why Karla Keeps a Business Portfolio (Not Just One Focus) (00:36:30) The “Duh” Test for Business Ideas (00:38:46) Sales Calls: What Actually Works in 2025 (00:38:54) Building Rapport That Converts (No Cringe Small Talk) (00:41:23) Refunds, Guarantees, and the Power of Reputation (00:42:11) Lessons from a Business Partnership Gone Wrong (00:45:31) Why Golf Is the Best Business School (00:48:05) Playa del Carmen as a Business Base: Pros and Cons (00:52:37) Karla's Love Letter to DCBKK CONNECT: Dan@tropicalmba.com Ian@tropicalmba.com Past guests on TMBA include Cal Newport, David Heinemeier Hannson, Seth Godin, Ricardo Semler, Noah Kagan, Rob Walling, Jay Clouse, Einar Vollset, Sam Dogan, Gino Wickam, James Clear, Jodie Cook, Mark Webster, Steph Smith, Taylor Pearson, Justin Tan, Matt Gartland, Ayman Al-Abdullah, Lucy Bella. PLAYLIST: Marketing to High-Dollar Clients (https://tropicalmba.com/episodes/marketing-to-high-dollar-clients) $1.5 Million from LinkedIn: Strategies for Building Influence and Consistent Revenue (https://tropicalmba.com/episodes/million-from-linkedin) Niche B2B Content = Big Revenue on YouTube (https://tropicalmba.com/episodes/b2b-content-youtube) 50/50 Partnerships: Saying the Quiet Part Out Loud (https://tropicalmba.com/episodes/50-50-partnerships)

As we hit the halfway mark of 2025, it's time to pause, reflect, and realign. In this empowering episode of The It's Time Podcast, Certified Life Coach Michelle Arnold Bourque shares her powerful “Day One Theory” to help you reset your mindset, reclaim your goals, and step into your next level with purpose and clarity. You'll learn how to shift from "one day" thinking to "day one" action, build consistent habits, and unlock the possibility mindset that drives real transformation. With inspiration from thought leaders like James Clear and Cathy Heller, Michelle offers practical tools to help you finish the year strong—no hustle required. Whether you're navigating career growth, craving work-life harmony, or simply ready for a fresh start, this episode is your guide to clarity, consistency, and creating what's possible. Key Topics: The difference between probability and possibility thinking How to identify your minimum baseline for lasting habits Reframing your past to power your future The science of visualization and emotional energy A four-step midyear reset framework you can start today Tune in now and make this your Day One. Free Download - Priority Playbook: Sales Edition www.michellebourquecoaching.com/playbook Full notes: https://michellebourquecoaching.com/day-one-mindset-clarity-consistency-and-possbility/  

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.

Every top producer you admire — the ones who stay consistent, build momentum, and hit their goals — is not relying on luck. They are using this formula. It is simple. It is powerful. And it works. In this episode of Monday Morning Pep Talk, Jim Miller shares the foundational principle that sits at the root of every achievement: Thoughts create feelings. Feelings create action. Action creates results. This is not just a motivational phrase — it is a decision-making framework that separates high-performers from everyone else. If you are not getting the results you want, the trail always leads back to what you are thinking. Whether you are facing burnout, stuck in reactivity, or just ready to recommit for the back half of the year, this episode will help you reset the system behind your daily habits and long-term vision.

From hating life on a Sydney construction site to building a $57K/month agency from Bali, Tom Richards—founder of PlumbElec Marketing—has lived the remote founder arc. In this episode, he shares how niching into plumbing and electrical businesses helped him scale fast, why Google Maps still dominates local SEO, and how he balances agency life with lifestyle design. You'll hear Tom's take on ChatGPT use cases, the best tools for founder efficiency, and whether he's ready to scale or keep things lean and profitable. Plus, Dan breaks down what might be the most reliable location-independent income roadmap in 2025. LINKS: Connect with Tom (https://www.linkedin.com/in/tom-richards-au/) Daily Huddle template (http://bit.ly/4ea6MOf) The 4-Hour Work Week by Tim Ferriss (https://fourhourworkweek.com/) Share your story/sponsor the pod (https://forms.gle/gKZFuwReHSvg8LD48) 22 free resources for founders (https://tropicalmba.com/resources) Connect with 1,000+ generous global entrepreneurs (https://dynamitecircle.com/) Read Dan's book “Before the Exit” (https://www.amazon.com/Before-Exit-Thought-Experiments-Entrepreneurs-ebook/dp/B07BN2KD1J) CHAPTERS: (00:02:18) From Plumber to Agency Founder (00:04:07) How Tom Built His First Client Base (00:04:58) $57K MRR and the Current Team (00:07:23) Why Tradespeople Are the Best Clients (00:09:51) Transitioning from Daily Huddles to Weekly Calls (00:12:14) The Real Numbers Behind Tom's Retainer Model (00:13:38) Hormozi's 1-1-1 Model in Real Life (00:18:50) Surviving the SEO Upheaval in 2025 (00:19:25) Why Google Maps is Still Gold for Local SEO (00:23:34) How to Use Case Studies to Supercharge Cold Outreach (00:25:59) Should You Scale Your Agency or Stay Lean? (00:31:31) The Most Reliable Remote Income Roadmap (00:35:31) What Agency Life is Really Like (00:39:28) Tom's Favorite ChatGPT and AI Tools (00:41:04) Bali vs Thailand: Which Is Better in 2025? CONNECT: Dan@tropicalmba.com Ian@tropicalmba.com Past guests on TMBA include Cal Newport, David Heinemeier Hannson, Seth Godin, Ricardo Semler, Noah Kagan, Rob Walling, Jay Clouse, Einar Vollset, Sam Dogan, Gino Wickam, James Clear, Jodie Cook, Mark Webster, Steph Smith, Taylor Pearson, Justin Tan, Matt Gartland, Ayman Al-Abdullah, Lucy Bella. PLAYLIST: The Changing Landscape of SEO and the Influence Equation (https://tropicalmba.com/episodes/changing-landscape-seo) The Brutal Truth About Business Exits with Rob Walling (https://tropicalmba.com/episodes/brutal-truth-about-exits) 1,000 Customers from One Channel (https://tropicalmba.com/episodes/1000-customers-one-channel) The First 1,000 Days of Running an Agency (https://tropicalmba.com/episodes/1000-days-running-agency?rq=agency)

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.

I can't believe I've been doing this since 2016. All I've ever wanted was to help small business owners run more profitable businesses. To share what I learned from top retailers and my own experience having a small business. Business numbers are the most important tool a small business owner has to grow their sales & profits and over the years, this has become my top requested content.  Time to pivot...Let's discuss -----------------------------   CONTACT ME: