• Education,  Empowerment,  Finance,  Habits

    5 Myths about Working with a Financial Professional

    Money is integrated with every one of life’s necessities. From food to houses and cars to children and clothing all the way through retirement, money impacts many of our major decisions and the quality of the life we live. Unfortunately, personal finance is not taught in school and we lack the knowledge of how money works. Therefore, we make many of our major life decisions and how we spend our money blindly, without a guide or plan as to what will benefit us the most in the long run.

    What I find funny is that when we are in school we are given a curriculum as to what courses we need to complete to graduate. Yet, when it comes to money, we are not given the tools to make our financial futures successful.

    The good news is that there is an entire financial services industry dedicated to helping you maximize your money. Unfortunately, there are tons of myths regarding financial professionals, which makes seeking advice confusing, frustrating, and scary.

    Below, I wish to debunk 5 of those myths to help you build your knowledge about professionals within the industry and feel more confident seeking advice and help with your money.

    Myth 1: I am not old enough to work with a financial professional
    Truth: Money and time go hand in hand. The longer you have the more time for your money to grow over time. The earlier easier building new habits and wealth will become. The younger you are the easier it is to right the ship of your financial future. When it comes to the time value of money, I often tell people to start now, save regularly, and be patient. Money needs time to truly work to your advantage.

    Myth 2: I don’t have enough money to talk with a professional
    Truth: Unfortunately, there are many people in the industry who only focus on high-net-worth clients. But, if you look within the industry, you will find plenty of advisors who are willing to help you no matter what your income level. Don’t let the few who only serve the elite stereotype others who will help.

    Myth 3: I don’t need a financial professional, I can do it all by myself
    Truth: According to a recent Vanguard study, financial professionals add about 3% more in returns for their clients than those not working with a professional. 3% may not seem like a lot initially, but over time that 3% could be the difference of several hundreds of thousands of dollars when you retire, and that is a big deal. Even if you are a do-it-yourselfer, don’t you think starting early with a professional giving feedback and assessment would be key to the longevity of your finances?

    Myth 4: I am scared to reveal my money habits to a professional
    Truth: Just like you have to have the right doctor, you have to have the right financial professional. A good professional knows that no one is perfect and that you are seeking knowledge and help. The right advisor should listen to your concerns and be empathetic. He or she should make you feel safe and not judged when discussing your money challenges.

    Myth 5: All a financial professional will do is play the stock market and I don’t want to risk my money that way
    Truth: Financial professionals should look at the whole picture and develop a comprehensive plan to set you up for success long term. This goes way beyond playing the stock market. Many times, you will get advice on your savings account and emergency funds. We will examine debt. We will want to create short, middle, and long-term plans, and discuss risk tolerance. Our job is then to develop a balanced and well-diversified portfolio. Our goal is to develop an investment strategy that is appropriate for your individual situation so that you can feel in control and have confidence in the plan.

    Hopefully, your fears are debunked. A good advisor is a coach, teacher, and guide. They will be there to help you feel more knowledgeable and confident with every stage of life and every major decision. They will be there to offer options that best suit you and provide encouragement and accountability to hit your goals. Do yourself a favor and seek guidance from a professional today to enhance your financial tool belt and build more security for yourself and your family.

  • Education,  Empowerment,  Finance,  Habits

    Growth Mode- The Future is Female

    Recently I read an article from Morgan Stanley stating that by 2030 women are going to control over $30 Trillion dollars. That is 2/3 of all the assets in our nation. WOW! Talk about a great wealth transfer. Unfortunately, over the last few months, as I have met with dozens of women, I have realized that women lack the knowledge, confidence, and time to really understand personal finance. So it raises the question, what is this wealth transfer going to be like? How are we going to control this money? My personal thoughts can be summed up in one word: YIKES. I foresee an overwhelming number of women feeling crazed and scared simply because we don’t get it.

    Today, it is critical that women understand money. But if you don’t, I can’t place the blame on you. Personal finance is not taught in many public schools, which makes financial concepts elusive, complicated, and extremely frustrating. People simply don’t get it because we were never taught it, and this lack of knowledge creates problems in our families, from sleepless nights wondering how a bill will get paid to maxing out credit cards. Most Americans blame money and finance for so many of their issues.

    The lack of understanding, available education, and the wealth transfer to women is why I entered the industry. For over 20 years I specialized in coaching, educating, empowering, and giving accountability to women. I also know that women are underserved in the financial services industry because when you lack understanding of something, like money, talking about it becomes taboo, and seeking help becomes hard. Because of this problem, many women believe that working with an advisor is only for the wealthy, a stereotype I need to break because that is not who I am. I am someone who listens to understand what is going on. I love to meet people where they are and develop a map to get them to where they want to be. I am someone who checks in and pays attention in order for you to follow through on making your goals a reality. I am someone who understands that sometimes it takes a little extra motivation to reach a goal and that progress towards that goal is always more important than giving up. I believe in people even when they have a hard time believing in themselves. Ultimately, I transform lives. And that job title is amazing.

    The future of money is female, and it is critical that women begin to understand it so we don’t screw up what is our responsibility. It is time we jump into growth mode and begin to properly educate ourselves. It is time we grow in confidence as we inherit wealth from our parents and spouses. It is time that we feel empowered and in control of our spending. This isn’t a pitch to come talk to me, though I am here to provide a judgment-free space to listen to and understand your concerns and questions and to educate you on how money can work for you. But, this is a plea that you take your knowledge about money more seriously. In just 6 years the need for women to understand money is going to change drastically. Start learning now. Put it on your goals list. Take action by asking questions. Build that confidence. Spread the need to others in your life. Support one another, grow together, and take this transfer with control, power, and excitement. I want to change that thought about the wealth transfer from YIKES to YESSSS!

  • Uncategorized

    Goal Achievement Success Secret: It’s Never a Straight Line!

    The famous mathematician, Archimedes said “the shortest distance between two points in a straight line.” And we, as humans have been trying to make the paths of our lives shorter for millennia. We want things quickly. We want them easily. And we want to put in the littlest amount of work possible.

    I know I have been there too.

    But unfortunately, when it comes to our goals… very rarely is it ever a straight line. In the financial world, I watch as stock markets look like rollercoasters- climbing, peaking, falling, climbing, falling. It is part of the process. In the fitness industry, I saw it with weight loss graphs- some days weight would drop, others it would wise. I see it when driving on 475 and have to detour to the other lane because they are working on the northbound lane. I see it on the look of my daughters face when she is understanding and memorizing her ABC’s then forgets and becomes frustrated, defeated. I saw this when I taught the writing process to college freshmen. We all think writing is linear. I brainstorm, I draft, I revise, I edit, I submit a final draft. But the truth it isn’t even close. New ideas will form as you write. You will edit and revise and edit and revise and edit and revise and brainstorm and edit and draft and edit and revise and brainstorm and edit and draft and draft and edit and revise and draft and brainstorm and edit and revise (did I make you dizzy yet) more times than you can count. The point is that your life and your goals are the same way. It is everywhere, it is dizzy, it is messy, it is able to be drafted and edited and go up and down in circles even.

    Yes, we will have moments of ease and amazement, that seem too good to be true. Where the ride is smooth, steady, quick, painless. But remember we will also have times and seasons when things are twisting, turning, heading in the opposite direction.

    The point is on difficult days, remember your goals and what you seek. Your “why” is important. It is the driving factor of why you started in the first place. Then seek coaching, guidance, accountability, assistance, or help. Maybe someone will be able to straighten out your path, align your wheels, or help turn you back in the right direction. Maybe someone will be able to cut the clutter, eliminate the distractions, find the slightly new path. Maybe someone will be able to just listen to what you are trying to make happen and allow the brainstorming to take place. Or maybe someone will know of a new better way to get to the same end result.

    For those of you that must hear it today: Stay on the path, my friends, even when it is a crazy one. The end result will be worth it.

  • Uncategorized

    Top 10 Beliefs To Level Up Life

    Are you like me? There is a little voice in the back of my head that tells me I can do better. Occasionally, it is crippling loud and other times it is subdued and nearly the faintest whisper. But that desire to level up life is alive within me. Sometimes is makes me want to take on way more than the average person can fathom. But with that here is what I believe. My intention is to elaborate more on each of these beliefs. Today, my intention is to list them and see which one’s resonate with you and what I think help take me to the next level.

    1.) The path to success is never a straight line. You will go up, down, in circles, backward, and upside down. Embrace the journey and learn from it. Every good story has challenges and obstacles. The hero overcomes these challenges. Be the hero of your story. But- don’t fail to create the plan. Nothing happens when there isn’t a plan in place. Have the plan, but know it isn’t going to always go as simple as planned.

    2.) Notice moments of synchronicity. I believe these are guiding lights to lead you down the right path. They are our maps. They are put in front of you to notice. Pay attention. Many times I think this is God pointing you in the right direction. Pay attention and keep that faith.

    3.) Get your reps in. One way we learn is through repetition. You have to do the reps to level up. You will not be a superstar on the first attempt, but with enough reps, you continue to get better. Do you reps!

    4.) Find the silver lining. Tough things will happen. We have a choice of the emotion we put behind it. You can wallow in desperation, or choose to learn from it and grow. Find the positive in the situation.

    5.) It takes a village…. The people you surround yourself with help you level up. Add value to the people in your village. Dream BIG with them. Serve them. Help one another set goals, learn from one another, and achieve success together. It takes a village to make your dreams a reality.

    6.) You are your habits. Your body will reflect what you do. If you want to make changes, change your habits. But, a word of caution, changing a habit is one of the hardest things to do. Seek help.

    7.) Seek help! Just like it takes a village, leveling up means you are not afraid to ask for help. Sometimes the hardest thing to do is simply ask.

    8.) Don’t take life too seriously. Be light-hearted. Dance in the rain. Sing into the spatula. Go down the slide. Laugh so hard you spit out your drink.

    9.) Be risky. Sometimes the only way to level up is to take the risk. Risks are scary. You will learn something from the risk. You will grow from the risk. You will change from the risk. Be calculated. Seek help and advice. But without risk, the reward is dismal. Want the reward, choose the risk.

    10.) Place your family first. Moments and people only last for so long. Create those memories and stories with the people that mean the most. Be the parent you dream of being and set the example for your kids. Make time for them, be involved. Place your closest friends and family high on your list. Call your parents. Find time to connect with your partner. These memories go beyond the mundane day-to-day.

    We all have different beliefs and we are all at different points on our path to make our dreams a reality. Some people may connect with these beliefs, and some pay think I am off in left field picking daisies. That’s okay. My goal for the next few weeks is to discuss these beliefs in more detail and how they have helped me shape my past and will continue to develop my future. I believe big things are coming. Here is to the adventure.

  • Empowerment,  Habits,  Purposeful Living

    Why I am a Financial Professional

    I was raised by two finance professionals. My dad was a banker. My mom managed a local branch of Household Finance. Money, investing, saving, budgeting, etc was all common dinner table conversations; however, my brother and I would rather fold up a piece of paper and play football. I grew up in a family that every Christmas I would receive stocks paid for by dividends and government bonds (you know the kind that takes decades to mature). The 8-year-old me didn’t value these presents, I just wanted the Barbie doll. But the 30+-year-old me sees the value, and looking back I am thankful for the experience and knowledge passed on to me.

    When I was in junior high, Mom would set me up with a weekly budget/ allowance. I had to budget my lunch money and spending money. If I wanted something I would have to figure out how to save that money to make the purchase. This continued throughout high school. Understanding money coming in versus money going out helped me know where to spend my dollars wisely.

    Yes, my parents tried to pass on financial literacy to me throughout my teen years. But, admittedly I took those lessons for granted. Why? My need for something now was stronger than my need for financial stability and freedom in my 40s, 50s, and 60s. Sometimes looking back, I think retirement was just too far away to really take that need seriously. I fell victim to the immediate want vesus the long term want mentality. My wants of today trumped my wants of the future.

    Then, as life continued, I found it hard to admit failure with money- especially when your parents tried so hard to teach you better. It is a little embarrassing to discuss things like credit card debt, credit scores, money in a saving account, budget, investing, and how perhaps you are trying to just make ends meet living paycheck to paycheck. There are so many negative stereotypes associated with each one of these areas that for many ignorances or pushing the problem aside is just easier.

    When Matthew and I finally decided to take our wealth more seriously, we were in our 30s. And we knew we needed a coach. This coach didn’t necessarily need to tell us what to do, but, instead, to change my perspective, help me problem solve, and hold us accountable to taking these goals seriously.

    The good news is that one of the ways we learn is by making mistakes. I am glad I have the life experiences of learning about money to help me relate to others who need help. I can pass these lessons on. Like many I have paid off student-loan debt (thanks to a 3rd degree that I didn’t even finish). I have overcome credit card debt. I have lived paycheck to paycheck and taught myself how to save so that stress isn’t so dire.

    Admitting all this is embarrassing, especially because I should have known better because my parents tried so hard to give me the tools and teach me about money. But it is all true. When I decided to take my money seriously, my life changed. And I have gained a ton of knowledge including how to create the habits to get yourself unstuck. I am literally walking, talking proof that if I can make these changes, you can too. And I am here to help.

    Financial planning isn’t just about investments and portfolios. It isn’t just for the rich and soon-to-be retired. Financial advising is here to help you take control of your bad habits, and for you to take ownership of your money. It is for you and for your family to be protected in case the unimaginable happens. It is for you to dream about a work-optional lifestyle instead of a life where you must work. And I can’t wait to watch people gain confidence and control of their money and watch people dream in exciting, amazing ways, createing a life where those dreams come true.

  • Uncategorized

    We Finally Took A Real Vacation

    It has been nearly 10 years since Matthew and I have taken a real vacation. Yes, we have done weekend trips to Nashville and Pittsburgh, and other places. But we haven’t packed it up and gotten out of town for longer than 2-3 days.



    Last summer we were visiting friends who had just gotten back from vacation. After a few adult beverages, someone suggested that we should all go on vacation, get a house with a pool, and have fun. Matthew and I agreed it would be fun, but didn’t actually think it would be something that would truly manifest itself (especially with our outlandish requests for the dream vacation). The next day, Brian begins sending property rentals that would house 13 (6 adults and 7 children), with a pool, and close to the beach. Honestly, my mouth hit the floor. They were serious!!! This is really happening. They are holding these drunken dreams accountable. We are actually going on vacation with the kids.

    Fast forward 8 months. It’s midnight, 3 cars meet in the parking lot of Kohls in Spring Meadows. We are on our way. It is happening. We are on our way to the Ocean. Destin, Florida here we come.



    Our first big adventure happened roughly an hour into the drive. All of our phones start going on. There is a tornado in your area, seek shelter, avoid mile markers 110-118. Brian calls. What should we do? Brian is a trained firefighter and EMT. I reminded him that he is our emergency professional and should make the call, and he wisely pulls over to wait out the storm. And what a storm it was. I had never seen rain coming down with that force and with that much wind. When all warnings had expired, we got back on the road only to be detoured off the highway around mile markers 110-118. On the drive home, we saw why. A small tornado took out a greenhouse, jumped the highway, and took the roof off a building on the other side. We barely missed it. I had never been so thankful for phone tracking and GPS in my life.

    The second adventure happened all through the state of Alabama. You see, I65 is the only major interstate to that part of the Gulf Coast. And every Saturday people are headed either to the coast or packing up and heading home. What should have been a 5 hour drive, turned into nearly 10 hours due to bumper to bumper stopped traffic. So what do we do, we reroute and take some back roads. Driving through parts of Alabama we saw it all: Farms, plantations, horses, small towns, larger suburbs. It is cool to see more than just the interstate. But, a few things happened on that drive. First, Matthew and I decided that we were leaving Friday, instead of Saturday to avoid the Alabama traffic. Then we decided that we would stay the night in Nashville on the way home to break up the trip. It proved to be a good call and a much more pleasant and rested drive home.

    Since Saturday was spent in a car, when we arrived to our house in Destin, there wasn’t much time left to explore. So we unpacked, ordered pizza, ordered some immediate groceries through instacart, and checked out the house. The house was perfect. It was called the Stairway to Hammock Heaven. We were about a block from the ocean. It had 3 main bedrooms and a bunkroom for the kids. Jack and Lily immediately took the top bunks. Out back, a pool with a spa. The kids put on their swimsuits and we swam for a few then everyone went to bed. It had been a long 24 hours.



    The next morning our vacation was rolling. We went to the beach. I will never forget Jack and Lily’s face when they saw the ocean for the first time. Nor will I forget Matthews’s excitement as both of the took their first steps in the water holding his hand. We swam, played in the sand, looked for sea shells. Then it happened… real dolphins jumping out in the distance. It was so cool. After the beach we went back to the house for nap time, and a chance for the adults to socialize. Then we all packed up and went to Fud Puckers for dinner. There we saw alligators! We even got to hold a real life baby one and take our picture.

    The next day we visited the boardwalk. We ate, played, and watched the charter boats come in with their latest catches. The kids play area was Jack and Lily’s favorite because not only did they jump around in bouncy houses, but we ate frozen pineapple. After the boardwalk it was back for naps, swimming, and grilling out at the house.

    The next morning we woke up to checkout a breakfast joint then came back to the house to swim and play. Unfortunately, as we were planning to go to Destin Commons for dinner and then the Go Kart Track, Jack got sick. So we stayed behind to let Jack rest while the other families explored Destin Commons. It was sweet that they all decided to wait to go to the Track until Jack felt better.

    Which he did the next morning! On Wednesday, however, it was Mom’s Getaway day. We booked a Tikibar Cruise to Crab Island. And let me tell you from about 8:45 am- 2 pm, us moms had a BLAST. The Tikibar boat was driven by Captain Kirk. He is a Destin native and a former funeral director. But decided to get out of the business and enjoy life’s happiness on the gulf. With a few beers and time, the three of us were in the water playing beer pong and other games, and listening to music. Crab Island is a must. I can’t wait for when the kids are bigger. I would love to rent a boat with a slide and let them have fun at a sand bar.



    After Crab Island, we were off to the Track for Jack. The kids were tall enough to ride in the Go Karts while the parents drove. We were off to the races. It was so much fun. There were also other rides for the kids and bumper cars.



    Thursday was Dad’s day to go golfing. While they were hitting the links at one of Destin’s beautiful golf courses, we packed up the kids and went to Target. We knew that we were going to have to jam pack a lot into our last full day. So when the boys got home we went to the beach and did more swimming and playing. Then we got dressed and went to Bayharbor Wharf for dinner. I wish we had more time to explore the wharf. We could have easily spent a whole day there exploring and playing. But, it gives us a reason to go back.



    Unfortunately, Friday came fast and there we were packing up to head back to Ohio.
    I am just so happy we did it. And I am so thankful to my Katie, my sister in law, for watching Tucker. It happened. We vacationed. And we will do it again!

  • Empowerment,  Habits,  Purposeful Living

    Lesson Learned: Forgive to Expand

    “Iron sharpens iron, and one man sharpens another.” – Proverbs 27:17

    I check my Instagram messages and type, “Still good for 9:30.” Quickly I get a reply, “Yes, see you there.” I take a big breath. I am nervous. But, Lily and I are committed to meeting an old acquaintance for coffee. This person and I have not spoken in years and our friendship ended abruptly. I didn’t agree with her actions. I felt hurt and betrayed by her. I held a grudge. And I couldn’t forgive her.

    I requested that we grab a coffee. These last few months I have been thinking about her and our relationship. How we actually challenged one another and learned from one another… sharpened one another. We pushed one another’s creativity, competitiveness, leadership, and growth. I learned how to deal with conflict differently because of our experience. She actually sharpened me.

    When Lily and I walked into the coffee shop, she was already there. We walked up to her table and sat. Immediately, I remembered my word of the year “expand” and recognized that in order to expand this year, I needed to forgive. I needed to release my grudge.

    Was it hard? Yes. Was it super uncomfortable? Yes. Did I like feeling humbled? No.

    But when we walked out of the coffee shop nearly 2 hours later, I felt a release of something I have been holding onto with negative intention. It was calming and peaceful. It felt good. It was powerful. It was expanding who I am.

    Lesson learned: Forgiveness isn’t forgetting… it is giving yourself a chance to expand and grow.


  • Uncategorized

    How To Ruin A Snow Day

    Okay, I am going to say it. Snow days are NOT what they used to be. Whatever happened to waking up for school? Checking out the window to see if it snowed, Then turning on the TV to see if your school was listed. I remember mom trying to drop us off at the babysitter and getting stuck in the snow going up the hill of our neighborhood and turning around to come home.

    Now we get text messages and automated phone calls the night before to tell us that school is going to be closed in the morning. At this point, it hasn’t even snowed yet. And when we wake up in the morning, it still hasn’t snowed yet.

    Don’t get me wrong, I am all for planning as a parent. And I do believe that it is nice to know ahead of time that the snow is coming. But, it just takes all the fun and spontaneity out of a true snow day. And perhaps we need some of that spontaneity in our lives, or at least a morning when the world literally tells us to go back to bed. But that is only the beginning of ruining a snow day.

    Aside from being “unknown,” snow days are days to practice being present. The world miraculously tells you to take a break, to disconnect from the hustle and bustle of morning commutes, and to slow down. It will all still get done when the snow passes, instead, I couldn’t believe the amount of social media posts that stated people were bringing extra work home or kids that brought home extra school work. And this behavior is ruining a snow day.

    I understand not wanting to fall behind but come on. Why are we filling the snow day with more things to do? Instead, why not fill the day with enjoying the snow? Play. Embrace your inner child. Look outside your window at the landscape before you, because as soon as the weather changes, that snow is gone. Put on your snow clothes and go play. Enjoy a cup of hot chocolate. Snow days are about getting an extra chance to be a kid and enjoy the day with wonder. TAKE IT.

    Snow days are about creativity. Now hear me out on this one. We are so used to filling our time with mindless things to do. But, wasting a snow day is ruining a chance to make memories and be creative. Try an experiment and learn something new. Get outside and shovel the snow. Make a snow angel just for the hell of it. Smile. Laugh. Do something unexpected with your unexpected day off. Enjoy. That is what it really comes down to.

    Enjoy. Enjoy the “unexpected” day that forces you to slow down, be present, and be creative. Don’t waste a snow day by filling it with busy work and pre-planning because you will ruin it. You will make it pass by just like every other day, and when that happens, it isn’t special anymore.

    When I was a kid snow days were special. Let’s keep them that way.

  • Empowerment,  Habits

    Making A Change Is Hard: Do a Challenge

    There are a few things that I love about a 6 Week Challenge, whether it is focused on fitness, finances, relationships, spirituality, or some other area in your life. Here are 3 reasons why I think starting habit change with a challenge is a great beginning point.

    1.) There is a starting and ending date.
    Most of the time when we think about creating new habits, it is something that can be overwhelming. Seeing a starting and ending date gives you an advantage. An end date allows you to keep the eye on the prize. Personally, I think 6 weeks is a good amount of time. Typically, it takes 21 days to start to build the habit. It takes longer to make it part of who you are and your lifestyle. 6 weeks ingrains the habit into who you are, without feeling the pressures of lifelong commitment. By seeing the end date, you can build your confidence when you hit it. That confidence is so valuable to pursuing any change.

    2.) Challenges normally come with others who are doing it with you and a coach to support you.
    Having multiple people involved gives you a sense of community, support, and accountability. The cliche that it takes a village to raise a child, is also so true when it comes to changing your habits. People think that making changes is a lonely hard process. They are scared to ask for help. But the truth is when you have like-minded people make the changes together and a coach guiding you, you will achieve success. You have others to give guidance, offer support, keep you focused, and celebrate the smallest wins.

    3.) Challenges include invaluable knowledge.
    The other cliche is “knowledge is power.” But it is true. And the amount of knowledge you gain during a challenge is invaluable. During a challenge, you will be forced to learn. When you learn something, it can never be taken away from you. During a challenge, you will be forced to problem-solve. Those lessons will last longer than the length of the challenge. During a challenge, you will face adversity. Your perseverance will grow and be with you forever. If it doesn’t challenge you, it doesn’t change you. And a challenge is designed to help you make those positive changes.

    So, now that the New Year’s Resolutions are starting to become harder, maybe research different ways you can get in on a challenge to help you begin fresh, find community, and learn.

  • Empowerment,  Habits,  Purposeful Living

    Wednesday Wisdom: Why Taking Physical Action Benefits So Much More

    I had a client yesterday say that she was ready to make a change physically. However, our discussion took a much different turn. We ended up talking more about emotional and mental health. It’s true when you find physical success, your mental and emotional health grows as a result of that success.

    Those things that tend to scare us a little; for example, learning something new, making a commitment, or changing the direction of schooling, a business, or a career, test who we are at the foundation of our beings. Typically, being “new” or making a change is uncomfortable. It is out of that comfort zone. We are unsure of who or what we are in that new space. In order to make those changes, it takes risks. And risks are more terrifying than those monsters hiding under the bed when we were kids. SImply put, we don’t want to fail.

    When we decide to commit to making that change, that is where we grow. We grow phyically, mentally, and emotionally. Where more people make the mistake is that the commitment to change doesn’t need to be huge. Physically, you don’t need to go to the extreme. In fact, I never recommend that. Why? I think extreme change is hard and unsustainable. You are setting yourself up for failure. But let’s say physically, you start by setting your alarm for 5 minutes earlier in the morning for 1 week. With that 5 minutes, you incorporate some morning stretches. Physically, your body will improve its flexibility, which as we age is super important. And after 1 week, you feel proud of yourself for sticking with your commitment. Mentally, you are also building strength and growth. Stretching tends to help clear the mind. By following through on the 5 minutes a day, you are building confidence and self- credibility. With that confidence, you are emotionally more stable.

    This small improvement to your physical health will give you the power to try (or take a slightly bigger risk) another physical task. Maybe signing up for a yoga class once a week to not only improve that flexibility but balance as well. Or maybe making the physical commitment to after 5 minutes of stretching in the morning, drinking a glass of water (so many physical health benefits there).

    The point is not necessarily about exercise. When we physically do something, take physical action toward something, we grow. And that action, that physical growth, also builds your mental and emotional growth as well. It could be finally making that dentist appointment you have been neglecting for 5 years (action in the process is growth). It could be making the decision to physically wire money into your investment portfolio each week. It doesn’t matter. What matters is the action leads to growth. Learning leads to growth. Being uncomfortable leads to growth.

    What physical actions are you doing this week that will help you grow? Let’s share in the comments. And if you like this and other posts, please subscribe.

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