It’s Not the Job That Sucks

As a reminder, 70% of Americans dislike or hate their jobs. Pretty sad, eh? 7 out of 10 people are living somewhere between mere tolerance and absolute misery. I've talked about this countless times before, but today, I will take a different approach. Here's my hot take of the week: It's not your job that sucks.

Well, your job may or may not suck, but that's not what's driving this 70% number. There's a saying that lives rent-free in my head: "People don't leave bad jobs; they leave bad leaders."

The data is beginning to show that people who have a terrible job but a great leader surprisingly experience more enjoyment, meaning, and fulfillment in their work than people who have a great job but a terrible leader.

My own life experience affirms this. When I was in high school, I worked at a cheese factory. No, not a Cheesecake Factory. A literal cheese factory. Unsurprisingly, being 17 years old and waking up at 4AM every Sunday to package cheese is a terrible job. It was cold, boring, and monotonous. However, I enjoyed that job! Why? Because my leaders were really good. They breathed life into the work, and the culture thrived.

Conversely, many years later, I had one of the coolest jobs ever. I won't share too many details about it, as I don't want what I'm about to say to land on a specific person. But let's just say the job was really freaking cool! However, my leader wasn't so great. Their attitude, coldness, self-serving priorities, treatment of others, seeming unwillingness to hold people accountable, and overall lack of respect created an environment where neither I nor others found enjoyment, meaning, or fulfillment. They sucked the life out of the work, and the culture suffered.

I have two takeaways today. First, if you're one of the 70% of Americans who dislike or hate their job, it means you might be one good leader away from joining the 30% club. Perhaps that means an intentional shift within your current organization, a similar job at a different organization, or some other lateral but small move would suffice. It doesn't mean you must blow up your entire life like I did. You don't have to make a drastic 180-degree turn to find meaning in your work. This should be fantastic news! Congratulations, one small tweak might be the difference between misery and meaning. Between tolerance and fulfillment. Between dread and excitement.

Here's my second takeaway. Many of you are leaders in your organizations. Through your leadership (or lack thereof), some of you are turning crappy jobs into amazing jobs, and some are turning amazing jobs into crappy jobs. You possess the keys to other people's work experience. While that doesn't sound fair, and perhaps an overweight responsibility, it's reality. It's your reality, and it's your team's reality. Oh yeah, and it's an amazing opportunity!

So, if you're in a job you dislike or hate (as most Americans are), ask yourself why. Is it really the job? Or is it your leaders? The answer to that question may change everything.

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

Adopting the Box

Each year, our family participates in a multi-week church program for families. The goal of the event is to connect families of young children together, share meals together, and serve together. We eat, play games, hear a brief message, and do a service project together with other families. It's become one of my family's favorite events of the year.

A few weeks ago, the night's service project was to go to the grocery store, purchase various food items, and drop them off in a pre-assigned blessing box. If you're not familiar with a blessing box, it's a little stand-alone cabinet that houses non-perishable food items for whoever needs them, no questions asked. If someone needs food, they just need to find a local blessing box and grab whatever they want. These boxes are placed all around the residential areas of town.

Here’s an example of what blessing boxes look like

The boys were excited to shop for the box, which led to an adventure at the grocery store. Each had particular items (personal favorites) they wanted to bless people with, and were excited to deliver the goods to the box they were assigned. When they showed up at the given address, they realized they were coincidentally walking distance from our house. They couldn't believe it, and were beyond excited to be serving people in our own neighborhood.

A few days later, while talking about the experience, Finn asked a peculiar question. "Can that be our box?" "What do you mean, Finn?" asked his confused Mom. "Can we keep filling it and make sure there's always good food in there?"

Oh dang! My little man wants to adopt that box and take ownership of it. Amazing. Yes, yes, yes, we can absolutely do that. It's fun to see the wheels turning. This is why it's so important for us parents to model various forms of generosity, big and small. More is caught than taught, and when we walk out giving with our own hands and feet, the kids feel it.

Here's where this all comes together. As I mentioned in a recent post, the boys have been working hard to earn some money ahead of an upcoming vacation (evidenced by their snow shoveling in -5-degree weather). One of the practices that's a standard in our home is for the boys to give away at least 25% of everything they make. As they were excitedly counting their money the other night, they asked if they could use their giving to buy more food for their box. Again, yes, little man, you can.

Parents, we are raising the literal future leaders of this world. Let's keep going. Keep modeling generosity for them. Even when it doesn't seem like they are listening, they are. Keep fighting the good fight. Let's endeavor to raise leaders who ooze generosity and selflessness. Let's raise leaders who think of others first, and themselves second. I know Sarah and I aren't there yet, but we'll keep fighting the good fight.

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

Oh, I Have Landmines!

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

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

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

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

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

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

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

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

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

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

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

Stepping On Landmines

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

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

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

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

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

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

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

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

A Big Truck and a Strong Back

On the heels of one of my recent posts on generosity, I chatted with one of my closest friends. He's one of the most generous people I know, not because he's blessed with endless resources, but because he's attuned to the idea of giving what he has. In fact, he's known for a saying: "I have a big truck, a strong back, and time to give. How can I help you?" 

This is one of the simplest and purest forms of giving what you have, not what you don't. He's not counting his money, flexing his status, or comparing what he has versus someone else. He's offering his vehicle, his hands, and his time. And considering how busy this man is (husband, father, ministry leader, etc.), his offering of his body and his time is a sacrificial act. Lots of people can write a check, but this dude will literally show up in your driveway at 6AM on a Saturday morning and start working. 

I mentioned sacrificial giving, but I should also note it's joyful giving as well. His serving heart reeks of joy and encouragement, not pity, guilt, or obligation. He genuinely wants to give, and it shows. You don't have to be a behavioral expert to spot the difference. When people carry themselves with joy while giving of themselves, the room changes. You can feel it. It's palpable.

These are the two ingredients necessary for true generosity: sacrifice and joy. It's NEVER about how much you have to give, but your willingness to sacrificially and joyfully give from whatever you have. That's it. It's that simple. 

So while the rest of the world will be playing the I'll-give-when-I-get-to-x-dollars game, my guy will be out here giving whatever he has. I couldn't love it more, and I think that's the best encouragement any of us could receive today.

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

The Microeconomics of Childhood

The response to my recent When the Legs Go Numb post has been overwhelming. I haven't responded to all my e-mails yet, but trust me, I see you! I appreciate that the post struck a nerve and added to many people's parenting journeys. A handful of people had an interesting observation, though. They loved my ideas about paying kids for performance on voluntary projects, but it doesn't work for their kids. Why? Because their kids don't seem to be interested in earning money.

Now, I'm pretty sure their kids are humans......highly likely! If so, their kids DO have wants, and if that's true, they ARE interested in money (or at least what money can provide). It's not a want problem; it's a microeconomics problem. It's simple supply and demand. We'll call it the microeconomics of childhood.

Let's say you're practicing the very principles I talk about. Don't pay your kids an allowance. Offer them projects to complete in exchange for performance-based compensation. They work, get rewarded, and use said reward to spend/save/give. Cause and effect. Input and output. All is good with the world.

Back to the issue. Many people's kids aren't motivated by money. They don't seem to care. They would rather not work than earn compensation through work. Here's the next question I ask them: Do you regularly buy things for your kids that they want? "Well, yeah, of course!" "Usually." "If we're having a good month, yeah."

This is the microeconomics issue. When we regularly purchase wants for our kids, the supply of money in their lives is high. They may not physically possess the money, but they have access to the money they need to get the things they want. Therefore, the demand for work is low.

I think it's important we parents flip that around. We need to lower the supply of money in our children's lives, thereby increasing the demand for money (i.e. the desire to work). Here's what it looks like in my house:

"Dad, I want a ______."

"That's awesome, bud! Do you have money to buy it?"

"No, I only have $5."

"That's too bad. But if you want to make some money, we have lots of projects you can do."

Pax worked so hard to buy this RC car!

This has happened countless times, occasionally accompanied by tears. If my kids want something badly, I don't want to demean or disrespect that want. Rather, I harness it to encourage the healthy behaviors that result in them earning the money to buy said want. The supply of money is low, creating a higher demand for work.

We're taking a family vacation soon, and my kids know it's their responsibility to have money for souvenirs. As such, They've been working their butts off. It's not because they are the most perfect kids. Had we told them we would buy them whatever they wanted on the trip, their desire to work would be zapped.

So, next time you get frustrated that your kids aren't responding to work the way you had hoped, inspect the microeconomics of childhood in your house. The answer probably lies somewhere in that department.

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

Respect the Blessing

One of the perks of writing a daily blog is the fact I get to use my dumb mistakes to positively impact others. Today's edition of Travis-is-dumb is brought to you by the letter "B".......as in boots. On Black Friday, I finally purchased the pair of Helm boots I had been eyeing for years. I even wrote a blog post about them last September. The boots are amazing! They were everything I bargained for, and I'm excited to enjoy them for the next 5-10 years.

Well, until yesterday. For the last several weeks, I've been telling myself I need to clean and polish them. Partly so they look nicer, but primarily because I need to protect them from the elements. Even a few days ago, I thought to myself, "I really need to work on them tonight because of all the snow we're getting." Can you tell where this is going?

Last night, as I began putting on my beautiful boots, I noticed a massive water stain on the leather. One side was essentially ruined. My lack of care resulted in the leather being exposed to the elements, eventually paying the ultimate price. These boots were going to last me for the better part of a decade.....but lived for less than three months. If I want to replace them, which I do, it will cost me $300.

I regularly beat the drum on the importance of not idolizing our possessions. We shouldn't worship things, and stuff shouldn't dictate our decisions. It's far too common for people to love things and use people, when we should be loving people and using things. All of our stuff will soon be in a landfill, after all.

However, while we shouldn't obsess over our material possessions, we are called to be good stewards. We have a responsibility to respect what we've been blessed with. If we spend our resources on a possession that we will disrespect and demean, that's wasteful and irresponsible. In the case of my boots, I was wasteful and irresponsible.

I'll survive and will eventually laugh at this situation, but it's a humbling reminder of how we need to step up and manage well what we're blessed with. We have a beautiful opportunity in front of us, which also comes with an equally important responsibility.

I hope my dumb mistake can inspire you to avoid your own. Heck, I hope my $300 mistake can inspire me to avoid an upcoming $3,000 mistake. If we're not responsible with the little things, it's nearly impossible to be responsible with the big things.

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

When the Legs Go Numb

We had our first big snowstorm of the season in the Midwest this week. So much so that it caused school to get canceled one day and delayed the next. The boys were excited, but for more reasons than one. In addition to skipping school, they were excited to shovel the driveway and sidewalks. Not only was it snowy, but it was cold; negative five degrees cold. Despite that, the boys spent nearly an hour outside before their delayed school day started, shoveling away. It was fun to see a couple second graders out there putting in the grind. At one point, Finn came in, claiming his legs were going numb. I encouraged him to come inside to warm up for a bit, and then continue his good work.

They were proud of themselves, and I was proud of them, too. They were also excited to make some money. They didn’t know how much it would be, but they knew it would probably be good. 

I don’t believe in allowances. From a behavioral science perspective, allowances teach kids they are entitled to something. That’s not how the world works, though. Earning money requires work. Hard work. Sometimes undesirable work. 

Here’s how it works in our house, and how I teach it to hundreds of parents. My kids have responsibilities in the house because they are members of the family. Put their laundry away, throw their clothes in the hamper, take their dishes to the sink, change the trash. Normal stuff. They don’t get paid for these tasks, but they are expected to step up and do so without complaining.  

Then, there are always opportunities to take on projects for pay. Mow the yard, shovel the snow, rake the leaves, clean the garage, etc. Each project is accompanied by compensation, but they don’t know how much until they are done. 

This next part is important. They NEVER get paid by the hour. They get paid for performance. If they crush a task, they get paid as such. If they mail it in, their pay reflects that as well. I don’t care how long it takes. I care about effort and excellence. 

They each made $20 for shoveling. I could have paid them less….far less. But I’m not paying for second graders to shovel. I’m paying to have the sidewalk shoveled, period. We shouldn’t train our kids to expect crappy pay because they are young. We should train our kids that excellence is rewarded and a lack thereof is not. 

It’s not perfect. They still gripe at times. Their laziness pokes its head out once in a while. But it’s a journey. I have another 10 years to train them up before the world will test them and push them. My job is to prepare them, not coddle them. I’m proud of those two little men. One day, one project, one failure, one win at a time. 

Keep fighting, parents! Whether you have 13 years or 13 months left before they leave the nest, there's still amazing work to be done....and you're the perfect person to show them the way.

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

Here

Sarah and I recently stumbled upon a fascinating film. I was scrolling through Netflix while Sarah vetoed movie after movie. Nothing sounded good to her, and she wanted me to know that. Eventually, frustrated by her unwillingness to commit, I picked something and said, "This is the one! We're going to watch it, and we're going to enjoy it." It indeed was the one.

The movie is called Here. Released last year, it stars Tom Hanks and Robin Wright, and was directed by Robert Zemeckis (the creator of Back To The Future and Forrest Gump). It's one of the most unique films I've ever watched. For example, the entire movie is set at a single camera position, and the screen never fades out; one continuous shot for 1 hour and 45 minutes. See, fascinating!

Photo Credit: IMDB

It's been nearly two days since we watched it, and I can't get it out of my head. At its core, the movie is a reflection on so many of the ideas shared in this blog:

• The pursuit (or not) of meaningful work.

• How deeply our relationships are woven into the quality of our life.

• The cultural and financial pressures to abandon our dreams.

• The struggle and joy that comes with parenting.

• The impacts (both positively and negatively) our sacrifices make in our journey.

• The haunting power of regret.

• The fleeting nature of time.

• Our inescapable need for meaning and fulfillment.

• The relational and emotional impact of debt and financial tension.

• Our human desire to establish roots.

• The beauty of the simplest and most mundane parts of our lives.

• The humbling reality of our own mortality.

• The miracle of forgiveness and redemption.

• The bonding qualities of sharing a meal together.

• The importance of celebrating major milestones in life.

It was simultaneously the saddest and most joyful thing I've watched in a while. I can't help but reflect on my own journey as a man, a husband, and a father. Life is indeed fleeting, and I ought not waste it.

If you enjoy this blog, I highly recommend you check out this film on Netflix. I can't promise you'll like it, but I can promise it will make you think. I hope you have a wonderful day, filled with beauty in both the big things and the small things.

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

It’s Who We Are

Amidst a ridiculously fun text exchange with a business owner friend yesterday, I had a feeling a blog idea was about to emerge. I didn't know what, but I could feel it. Then, it happened. She was talking about how businesses, if equipped with the right type of leaders, ooze generosity in all they do. Why? Because generosity isn't something we do, "it's who we are." Boom!

My friend is so right. Generosity isn't an idea. It's not a well-intended thought. It's not even an action, though it manifests through actions. When done right (sacrificially and joyfully), it's embedded into the core of our being. If that happens, there's no option but for said generosity to ooze out in every area of our lives....including in our businesses.

This post isn't an advocation for businesses to practice generosity, though that's amazing. Rather, it's an advocation for each one of us to allow generosity to seep into our cores and crowd out every selfish, greedy, and self-serving cell from our bodies. That's not entirely possible, of course, but it's directional. Each day, we can become more generous.....or less generous. There is no in-between, no standing still.

We can all gripe about how selfish people are today, making some definitive statement about how the world is continually worsening. Examples are all around us, and it takes very little effort to spot and call out greediness. In fact, if you're looking for it, you'll find 100+ examples today alone.

The same is true the other way around, though. Generosity is all around us. Generous acts, big and small. People overflowing with generosity. Businesses overflowing with generosity. Rich people overflowing with generosity. Poor people overflowing with generosity. Small businesses overflowing with generosity. Big corporations overflowing with generosity.

One common thread runs through all of it: People who have generosity woven into their soul, with no other option other than to let it seep out into every area of their lives. The question today is whether or not I'm one of those people. The question today is whether or not you're one of those people. Has it struck you to the core yet? If so, I'd suggest you let it seep into all you do today.....but you were going to do that anyway. If it hasn't struck you to the core yet, keep searching. Once you find it, you'll never see (or treat) the world the same way again.

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

Would You Take Their Advice?

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

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

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

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

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

"Who?"

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

"No, of course not!"

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

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

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

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

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

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

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

Snowballing Behaviors

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

Lessons From the Barkley Saga

"Wouldn't it be fun if our baristas could make six figures?"

This was one of the many insane ideas we discussed in the early days of planning Northern Vessel's launch. This counter-cultural idea was founded on a core belief TJ and I shared: Just treat people well. What that meant to us was to continually find ways to align interests, reward performance, incentivize winning behaviors, and create a culture of gratitude. Over the past few years, these driving principles have led to some pretty wild ideas and structures. I've faced much criticism from friends and mentors whenever these ideas arise.

"Why would you give up that much upside?"

"You're hurting yourself."

"That isn't market."

"There's no need to do that."

I never take offense to these comments; I get it! What we do can largely be considered stupid and/or irresponsible. But ultimately, I believe that if you treat people like owners, they will behave like owners—culture matters. When our people win, we win. And when our people win big, we win big. It doesn't have to be a fixed pie. We don't have to live our lives (and our businesses) with a scarcity mindset.

Speaking of, I've been thinking about the whooping the Chiefs received at the hands of the Eagles last night. Wow! Never in a million years did I see that coming. After the game, I was reminded of a seemingly innocent scene from HBO's Hard Knocks last summer. It's a brief phone conversation between Giants GM Joe Schoen and star Giants running back Sequon Barkley.

I'll set the scene. Mr. Schoen doesn't want to proactively offer Barkley a large contract at the risk of overpaying him, so he calls Barkley to let him know that he should "test the market." Translation: We're willing to pay you decent money, but not a penny more than we need to.

Mr. Schoen goes on, "If you really wanna be a Giant for life, and you're interested in staying here and coming back, just see what your market is and then have (your agent) come back to us, and we'll see if we can come to an agreement." Translation: If you're as loyal to us as you say you are, you'll sacrifice some money for the privilege of being here, and accept whatever we eventually offer you.

When I saw that clip, I knew there was zero chance he was going to return to the Giants. They violated the Just Treat People Well principle, and there was no turning back. Trust was broken. Interests were unaligned. He tested the market, as instructed, and eventually signed with the Eagles, where he thought he could help them reach the Super Bowl. Fast forward just a handful of months, and Barkley and the Eagles just became Super Bowl champions.

Most of us probably won't ever be an NFL GM (outside of the latest Madden installment), but this situation proves a valuable lesson. Just treat people well. Others don't have to lose for us to win. Align interests. Live with a culture of gratitude. People matter. Strike that.....people matter more than anything.

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

A Knock On the Door

Happy Super Bowl Sunday! While my Bears have only been part of it two times in my 40+ years of life, today is always one of my favorite days of the year. There's something special about the energy of Super Bowl Sunday.

It's so easy to look at these grown men and think to ourselves, "They're just doing it for the money." Sure, the money is ridiculous. These athletes make more money in a single year than many people will make over their entire careers. But ultimately, I sincerely don't believe it's about the money. The money is a nice (very nice!) perk, but it's about something so much bigger, and Super Bowl Sunday is one of those days where it shines through so clearly. The euphoria of victory and the agony of defeat. You can't tell me meaning isn't at play.

On a related note, I'm obsessed with the knock on the door. Oh, you don't know about the door knocking?!?! Check out this VIDEO. Each year, when it's time to announce the inductees to the NFL Hall of Fame, Hall of Fame CEO David Baker knocks on the door of each recipient to personally welcome them into the HOF family. These videos choke me up every single time. The video I linked above is a compilation of door knocks, and it makes me melt every time. It's worth four minutes of your day!

There's nothing like seeing grown men who have achieved fame and fortune beyond anything they probably ever dreamed turn into a puddle at the sound of a simple knock. Pure joy. Pure satisfaction. Pure meaning.

Money can buy so much in life, but it can't buy meaning. It can't satiate us. It can't fill our tanks. It can buy almost anything, but it can't buy the few things we crave the most. So while I'm enjoying the game tonight, watching these players give everything they have, while also thinking about David Baker's door knocks, it will be yet another reminder that meaning always transcends money.

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

What’s the Worst That Could Happen?

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

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

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

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

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

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

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

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

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

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

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

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

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

(Unknowingly) Walking Into the Abyss

"How do people afford houses in this crazy market? Do this many people really make that much money?" This is a question I received from a friend last night, courtesy of her mom, Leslie. Thanks, Leslie, for this fantastic topic!

In short, people can't afford them, and no, they don't make that much money. Some can, and some do, but not most. In my work with hundreds of families and watching the data closely, a few other factors are at play.

First, I'll start with what a healthy home ownership situation looks like. Ideally, a family's house payment would cost less than 25% of their take-home income. When that happens, there's enough margin to pay for needs, enjoy some wants, give, save, and invest for the future. There's a balance in the force.

However, with the combination of higher interest rates and increased prices, today's housing market has posed a different dynamic for families. Instead of house payments absorbing 25% of take-home incomes, people are commonly buying houses with corresponding payments at 40%-60% of their take-home income.

When this happens, something has to give. Families aren't going to stop eating food. And they aren't going to completely stop buying wants. Typically, giving is the first thing to go. Sorry, gotta take care of me first! Next, retirement investing gets kicked down the road. After all, retirement isn't for a looooong time....it will have to wait. Then finally, saving gets pulled back. We'll address those future needs when the time comes.

This approach works.....for a while. Eventually, though, other things pop up. The car has issues. The kid breaks an arm. The A/C blows up. The dog eats a screwdriver. But there's not much margin in the budget and little-to-no savings for these types of situations. Out comes the credit card. Then it happens again a few months later. Then again in six months. Every so often, the credit card absorbs the extra costs. Then it's time to buy a new vehicle and there's no money saved. A new car payment!

But people can't just perpetually use debt to keep the train on the tracks, right? Well, yes and no. Eventually, the credit cards feel too heavy. That's when a little psychological hack comes into play. We'll get a HELOC on our house to "pay off the debt." The credit card debt has been shifted to the HELOC, which allows us to start using the cards again. And the cycle slowly repeats for decades.

There's no such thing as a free lunch, though. This is where it gets scary. Without knowing it, people are walking into the financial abyss. Baby Boomers and the Silent Generation grew up in an era with retirement pensions. Most knew a reliable retirement income would await them at a certain point in life. This system has drastically shifted, beginning with Gen X. Traditional pensions are much rarer, and most of us are now responsible for funding our own retirement.

As such, millions of Americans are walking into the abyss as we speak. They are busy living their lives, enjoying their lifestyles, and slowly building debt while not building retirement investments, not knowing the future looks very murky. They've already lost, but won't realize it until it's too late.

If I'm honest, these are the saddest situations to be invited into. There's nothing harder to watch than a couple realizing they have unknowingly walked into the abyss all these years, only to just now see the consequences of their unintended reality.

Does this resonate with you? If so, perhaps it's time to shift gears.....fast! Give a gift to your future self; you don't have to walk into the abyss.

To be continued....

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

Changing the World By Changing Yours

I just received the best news! An old friend, someone I haven't talked to in several years, contacted me to share a life update. He said that after three years of blood, sweat, and tears, he and his wife paid off their $125,000 of consumer debt (student loans and credit cards). Whoa!

When I asked him how that happened, his answer shocked me. "Remember that one time we were having drinks at _____? Someone asked you about paying off all your debt. I thought to myself, if you could do it, so could I. So I did."

If I could do it, so could he! Yes! I couldn't love that more. This debt had haunted him for nearly two decades.....until that day three years ago when he decided enough was enough. Then, he changed his life forever.

Here's the opportunity on the table for you today. You have an opportunity to change the world by changing yours. Without even knowing, my actions to change my own family's world eventually inspired this other family to change theirs.

People are watching. People see things. They might not listen to your advice, but they can't ignore the fruit of your actions. When you make good decisions (financial or otherwise), and your life improves, it's impossible not to see. This happens with my clients all the time. Their lives start to shift, they live with more freedom and meaning, people around them notice, and a new wave of inspiration strikes and new group of people.

If you want to help others, lead by example. If you want to inspire generosity, practice generosity. If you want to inspire debt-free living, become and stay debt-free. If you want to inspire work that matters, aggressively pursue work that matters.

Whether you see it or not, people are watching. And whether you realize it or not, your actions are moving the needle in other people's lives, for better or worse. What a fun and intense opportunity.....and responsibility.

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

Boy, That Escalated Quickly!

In the words of Ron Burgundy, "Boy, that escalated quickly!" Yesterday was one of those days. You know what I'm talking about. The kind of day where you planned one thing, but something totally different happened. The kind of day where everything that could go wrong does go wrong. The kind of day that every time you solve one problem, another replaces it like some twisted game of whack-a-mole. The kind of day where you have problems in areas you didn't even know you had problems. You know, that kind of day!

I typically feel like my work is a juggling act of six distinct endeavors. Each one of them posed its own issues yesterday. It was a tremendously hard day. It wasn't fun at all. I felt like I got chewed up and spit back out. But it sure was rewarding.

This is what often confuses people when I talk about pursuing work that matters. The mere idea of "work that matters" instantly triggers thoughts of rainbows and sunshine. Whenever work is spoken about through the lens of meaning, it conjures up assumptions that it's fun, enjoyable, simple, or easy. The truth is, this couldn't be further from the truth. Pursuing work that matters doesn't mean we're trying to find any of those things.

Meaningful work isn't that. It can be....sometimes....on good days.....well, part of those good days. But at the heart, that's not what it's about. Pursuing work that matters means we're doing something that provides meaning, fulfillment, and purpose to our lives, all while adding value to others, regardless of how fun it is or isn't.

Fun is fleeting. Easy is empty calories. Those aren't the ingredients to work that matters. What's most imporant is the meaning component. Unlike fun and ease, meaning satiates. So while I was completely gassed last night, feeling like I got run over by a snow plow, I was fulfilled, satisfied, and content. Yesterday was exactly what it needed to be, and it turns out, yesterday needed to be anything but fun.

I love what I do more than anything in the world, but not because it's fun. I regularly find myself engaging in the most gut-wrenching conversations of my life, encountering problems I never know if I have the stomach to deal with, all while sabotaging my former life's pursuit of comfort and material wealth. Sarah and I were just talking recently about how much harder life is now than it was six years ago before I left my safe, lucrative, and cushy career. We laughed for a moment, then sighed, before simultaneously acknowledging we wouldn't want to be anywhere else. Another reminder that we've found it......work that matters.

I hope you have a meaningful day today. Not a fun day, a meaningful day. Well, I hope you find some fun along the way as well. We all need a little fun!

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

Solving Problems With Problems

One of my friends asked to meet with me. He wanted to get a second opinion about something financial-related. Here's the situation. For the first time in nearly 15 years, his wife's car was paid off. They owned it free and clear and finally got on the other side of the monthly payment cycle now that their $500/month payment is no longer. That's great news! HOWEVER, they have a problem. In the past few months, his wife's car had to be taken into the shop twice. The total cost? $700.

Here was his question to me: "Would it be a good idea to get her a new vehicle?"

"Absolutely not!" I responded.

"Why not? You think we should just keep dumping money into this vehicle?"

"Dumping money? Paying $700 to get your car fixed is $300 less than you would have spent on car payments over the last few months."

"Well, we already bought her a new vehicle. It will definitely be more reliable."

"..........."

Turn out, he didn't want my guidance.....he wanted me to affirm the decision they had already made. In short, freaked out by two vehicle repairs totaling $700, they quickly decided to "fix" the problem by buying a brand-new vehicle. The kicker? Their new payment is $900 per month.

Please allow me to summarize. This family finally gets free from their $500/month car payment cycle, experiences $700 of maintenance expenses, and in their attempt to lower their costs, commit themselves to $900/month for the next 72 months. On top of that, due to their increased financial commitments, they decided his wife needs to go from part-time to full-time at her job. Further, they wonder if they should forego their annual summer vacation to cut costs.

If this sounds crazy to you, good. If this sounds far-fetched to you, you'd be mistaken. This is a very typical sequence of events in our modern culture. My friend isn't alone....far from it. In fact, many people's immediate reaction to this post will be to side with the husband. "He's just making sure his family is safe." "They'll save money in the long run." "They didn't have a choice."

They did solve the small reliability problem, but at what cost? They've largely prevented ongoing vehicle maintenance costs; all they had to give up was their freedom and memories. I'm all for solving problems, but not when it creates bigger problems.

I have maximum empathy for this family. I love them. I care for them. I desire for them to have better. I shared some insights and ideas, and in turn, they said I should share this story on the blog. Tomorrow's post will dive deeper into one of my ideas.

I hope you solve some of your problems this week, but along the way, be sure not to create newer, bigger problems in the process.

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.

Running Away or Running Toward

I was already contemplating a specific follow-up to my recent post titled Bummer. I still had more to say about this topic, and wanted to make one very clear point. However, my friend Mertz beat me to the punch. He immediately sent me a thoughtful response and asked the very profound question I was hoping to address: Is it possible to like/love your job and still celebrate Fridays?

To summarize, statistics (and my own experience) show that 7 out of 10 Americans dislike or hate their job. A never-ending state that's straddled somewhere between tolerance and misery. My general point is that we should create a life for ourselves that doesn't require us to celebrate Fridays and dread Mondays.

But what about Mertz's question? Can't we have both? Can't we like/love our work and still celebrate Fridays? I couldn't love this question more! For me, I think it comes down to the answer to the next question: Are you running away or running toward?

In other words, do we celebrate Fridays because we're trying to find reprieve from the misery, or do we celebrate Fridays because we're excited for what's to come? It may seem like splitting hairs, but I think it's a cavernous divide.

There's another way to look at it, which was also echoed by Mertz. Perhaps the weekends can be a celebration of a hard week's work well done. Perhaps the weekend is a time to temporarily step away, recharge, and get our head back in the game the following week. Mertz is right....he's so right! One of the reasons I know he's right is that he finds meaning in his work. He's not running away from anything. Sure, his work can be challenging, stressful, and trying......all work has components of this. But when push comes to shove, Mertz pursues work that matters.

I also know he's right because I know what his weekends look like. His weekends are loaded with quality family time, adventures, and dutiful, joyful service at his church. His weekends are valuable to him; not as an escape, but as another meaningful part of a meaningful life.

Here's my last observation about Mertz. I know weekday Mertz, and I know weekend Mertz. It's the same guy. He carries himself with the same energy, generosity, and thoughtfulness whether I see him in the thick of his stressful week or at a casual family event at church. He's the same, and that's a tell!

I do think we should get excited for weekends. I think weekends should be a wonderful time to relax, recharge, spend time with those we love, go on adventures, and prepare for the challenges ahead. I believe all of that. But I also believe it should be through the lens of running toward something, not running away. Through the lens of meaning over money, I believe a meaningful life should be comprised of seven days per week, not just two.

____

Did someone forward you this post? We're glad you're here! If you'd like to subscribe to The Daily Meaning to receive these posts directly in your inbox (for free!), just CLICK THIS LINK. It only takes 10 seconds.