One Bite at a Time

In November 2008, on the heels of just finding out we would soon be forced to move to a new state because of my job situation, my new fiancee (of three days) and I were sitting with $236,000 of debt and a whole lot of stress. To clarify, she had $0 of debt and I had $236,000. Beautiful, I know. Thus began a journey that would forever change our lives.

We didn't know how to pay off $236,000 of debt, so we did the only thing we could think of. We paid off what we could this month. Then we did the same thing next month. Then again the following month. Some months we paid off a ton, while in others, it was far less. But we were committed to making progress.

It reminds me of a famous quote from Desmond Tutu. "There is only one way to eat an elephant: one bite at a time." We couldn't pay off $236,000 in one swoop, so we just took one bite at a time. 4.5 years later, the debt was gone. That final payment happened more than 11 years ago, and that achievement still boggles my mind.

Today, we published the 250th episode of the Meaning Over Money Podcast. That's 71 hours of content, free to the world, which will be archived and available online forever. Wow! Reflecting on that journey feels a lot like my debt payoff story. It's hard to fathom how we did it, but it was really just one bite at a time. Two episodes per week, every week, without fail, for nearly 2.5 years. We've never missed an episode. Every Monday and Wednesday since March 2021.

We didn't just wake up one day and decide to produce 71 hours of content. Rather, we woke up and produced 14 minutes of content, then 18 minutes, then 15 minutes, then 19 minutes. Over and over and over. We didn't do anything special. We just had a very clear mission: record 10-20 minutes of concise, relevant, engaging, and useful content for the people we wished to serve.

This is the power Desmond Tutu's words. We can accomplish anything, no matter the scale, if we simply take one bite at a time. It won't happen overnight, but luckily it doesn't have to. I hope you take your bite today!

Because That's What We Do

Yesterday's episode was our 245th installment of the Meaning Over Money podcast (Spotify / Apple). With an average run time of 17 minutes per episode, that equates to nearly 70 hours of free content. Not only is it free, but it's evergreen content that can be consumed by people for years and decades to come. Yesterday's episode was somewhat unique, though. It's completely raw and unedited. No intro/outro, no sound-improving filters, no balancing out the dips and peaks, no cutting my f-bombs (just kidding....or am I?). It's just me, my microphone, and some ideas.

Given our crazy schedules this summer, our episode pipeline has completely dwindled, and we're making it work as we go. Thus, yesterday the world received a raw and unedited episode. It's not the first time we released an unedited episode. We've probably published +/- 8 in the history of our podcast. We don't prefer this type of content; we'd much rather send a manicured product into the world. But there's one very key reason why we do it. Because that's what we do. A new episode will be released every Monday and Wednesday, 52- weeks per year, with no exceptions.

The first time we posted this kind of content, I was nervous. After all, it's not the product we want to send into the world. However, our commitment is two episodes per week.....period. Because that's what we do. We aren't sending crap into the world. In fact, some of our unedited episodes have been some of the most complimented and commented on. We could easily justify not publishing an episode one week, then do it again a few months later. Next thing you know, not publishing episodes is just a normal part of our rhythm. Cole and I are the opposite. We publish episodes because that's what we do. We are here to add value to the world. Not because it's perfect, but because it matters. And done is always better than perfect.

Here's my encouragement today. Find something in your life - and I have a feeling you already know what it is - that becomes your "because that's what we do." No excuses, no walk-backs, no justifications. It is what it is because that's what it is. When you decide to follow through, no matter what, it will change you. It's changed me many times over, and I have a feeling it will be equally powerful in your journey!

Comfort or Impact

For nearly two years, Cole has been prodding me to record a specific episode I desperately fought against. His idea was simple: He would join me on the mics, and we would each detail our family's monthly budget...bit by bit. Yes, one of the things I try to focus on when creating content is vulnerability and transparency. Honesty always wins. However, the episode Cole was proposing was about seven steps further than I was comfortable going. I've discussed all sorts of personal financial and non-financial topics on the podcast and blog. However, this idea was something completely different. It was beyond my level of comfort.

A few weeks ago, he finally beat me into submission and we recorded the episode. I dreaded the moments leading up to it, the actual recording was fine (I always love being on the mics), and I dreaded it every day until it was published....then I dreaded it some more. As Cole predicted, it quickly gained traction and will likely become one of our top 10 most downloaded episodes ever.....much to my chagrin.

Cole and I have received much feedback about the episode since it was published. Here's the interesting part, though. The feedback rarely has anything to do with money. Rather, it revolves around the values and principles we discussed in and around the budget. Topics such as parenting, marriage, faith, generosity, and inheritances. It's as I always say: money is NEVER about money. It's always about something bigger. I think this episode perfectly reflects that concept. We sat down to talk about money, but instead, we ended up talking about what really matters most.

It's fun to see the impact this episode is having on people. Spouses are listening to it together, then using it as the basis for their own conversations. It's giving couples new topics to discuss, such as personal spending, investing in the marriage, and what it means to "provide" for their children. It's providing outside context to help people recognize they aren't the only ones struggling with inflation, putting all the pieces together, and prioritization.

I fought this for two years, but here we are. If my comfort had continued to win out, this impact wouldn't happen. I can have comfort or impact, but I can't have both. It's a sobering lesson for someone who talks about this very principle on a weekly basis. "I told you so" probably won't come out of Cole's mouth, so I'll just name it here. Cole, you told me so. Right on, my man. Keep pushing me when I need to be pushed. We can have comfort or impact, but we can't have both.

If you want to listen to this episode, you can find it on APPLE, SPOTIFY, or wherever you listen to podcasts.

The World Keeps Getting Smaller

Last week, I had the pleasure of guesting on an Australian podcast, It's Never About Money. I had the most wonderful time with their host, Joe Stephan. If this show sounds like something up my alley, it is! In fact, my Media Director introduced the idea of me appearing on their show by saying, "Travis, we just found the Australian Meaning Over Money!" She knew that would quickly get my attention!

After we first connected, they asked if I would personally do the initial discovery call so they could get a feel for who I am and how I present myself. During that conversation, Joe pointed out that they don't often have many Americans on their show....but have had a few. As he lists off a handful of names, he blurts out a name that stopped me dead in my tracks: "Gary Hoag from Colorado." Gary Hoag!?!? My friend, mentor, and brother, Gary Hoag?!?! I about fell out of my chair, but then it got even more interesting. "Yeah, I know Gary! He's one of my closest friends and mentors!" I then held up a copy of the book Gary and I wrote together last year, which was sitting just to my left on my desk. We both got a kick out of that moment.

The world feels small, and it's getting smaller all the time. The fact two total strangers could meet over Zoom, realize they have a common friend, record a podcast together, and build a relationship in the process, all while never being closer than 9,000 miles apart, is mind-boggling!!! I admire Joe and his work, and it's fun to see someone on the other side of the world that shares a common mission. I can’t wait to progress my relationship with Joe and discover new ways we can work together to add value to this world.

I think about this idea a lot. Never before has practically every person on the planet been accessible by practically every person on the planet. Right now, I could send Lebron James a DM, and he may see it. Instantly! Or maybe I have a business idea to share with Elon Musk. Five minutes from now, he could be digesting my idea. Or perhaps I'm interested in getting a job at XYZ company. I could immediately send a message to the CEO with an offer to add value to them. What a world we live in!

If there's something on your mind, put it into action. If there's a connection you'd like to make, send the DM. If there's an idea stirring, send it into the world. You never know who or what will happen. It's quite possible nothing will happen, but I can guarantee nothing will happen if you don't. So why not take advantage of this shrinking world? After all, it will be fun!

If you're interested in listening to my appearance on It's Never About Money, you can find it on APPLE, SPOTIFY, or wherever you listen to podcasts.

Rick Rubin on Creativity

“The goal of making art is not to show you just what everybody else sees. It’s to see what’s possible. And what’s possible is radical. It’s like we’ve built a very small world for ourselves with our reason…..We’ve learned what’s possible and what’s impossible. And if we accept what’s possible and what’s impossible, we can’t go beyond. If the Wright brothers accepted it was impossible for man to fly, we still wouldn’t be flying. All of the great revolutions that have happened, have happened because someone believed in something that everyone thought was impossible.”

I’m not a fan of interview-style podcasts, but in a rare move, I took some time yesterday to listen to a conversation between two of my favorite people, author and thought leader, Malcolm Gladwell, and legendary music producer, Rick Rubin. The entire conversation was centered around the idea of finding creativity. Not creativity in the sense of creating an amazing song or a literal piece of art, but rather the creativity we each have in us. I never used to think of myself as creative……the opposite, to be honest. However, over time I’ve realized creativity is one of my strengths and passions. It just looks different than the creativity brought forth by some of my friends’ more traditionally creative endeavors.

The above quote was from Rick Rubin, speaking of the importance of unlocking creativity in each of our journeys. This is the quote that locked me into the episode. It affirmed so much of what I think and how I think, but it set the tone for what would be a goldmine of a conversation to come. The world needs our creativity and will most certainly be a better place if we can muster the courage to share it with others.

If you can find 68 minutes of time in your day, whether you’re running errands, going on a run, road-tripping to see family, or mowing the lawn, I highly recommend you give this one a listen (Apple / Spotify). I could type for hours about some of these ideas, but my words would be doing their words a disservice. I’ll let them speak for themselves!

Excuses or Impact

Yesterday, we published episode 227 of the Meaning Over Money Podcast. Just typing that number feels absurd. Based on available data, 90% of podcasts don’t make it past the third episode. Of the ones that do, 90% don’t make it past episode 20. Knowing this, 227 feels wild. According to Listen Notes, we are in the top 3% of podcasts in the world.

Then, there’s our podcast studio. Though the visual representation of our studio looks sharp (thank to Cole’s magic), we’ve never had a great studio. When we first started, it was garbage. We had an old kitchen table from the 1970s, cheap-ish mics, and an environment that was anything but inspiring. Eventually, we got better mics, purchased a better table, painted the background wall, added a video camera, and even added some accent lighting (again, Cole’s magic). Fast forward again, we replaced the accent lighting with a custom-made neon sign and a better video camera. Here’s a little sample of what it looked like, all put together. Pretty crispy!

Our studio was never great, but we continued to put in the work. We aren’t defined by how much money we invested into it, or how nice it is, or what others think of it. Our calling is to produce quality content that adds value to people’s lives. It’s as simple as that. It could be easy for us to use our less-than-ideal studio as an excuse or a crutch, but we don’t play those games. We know who we are, who we serve, and why we serve them.

Next week is our last week in our office/studio. The space no longer fits each of our needs, so we’re going to shift like we always do. We’re still trying to figure it out, but Cole and I will each have our own separate office spaces. My space will have an audio-only recording area, while he will have a video-friendly space in his. Here’s what my space currently looks like:

It’s a beaut, Clark!

Yikes! Exactly what you’d think a high-performing podcast studio would look like, right? It’s not much, but it’s ours. This is the beauty of modern-day technology. Every one of us has the ability, with little to no cost, to put our art into the world. A podcast, YouTube channel, blog, designs, social media content…..literally anything! We can either use our lack of resources as an excuse, or we can simply create and share. You can have excuses or impact, but you can’t have both.

You Just Never Know

Nearly a decade ago, I met a couple at church…..good people. I got to know them over a period of time, and they started to know me as someone who helps people with finances. At one point, the wife said, “Travis, you need to help my son…..he’s a mess!!” Her son was in college and recently engaged. She was correct, he was indeed a mess (with money). He was a good dude, though, and his fiancé was pretty awesome, too. They were a top-notch young couple. I was blessed with the opportunity to serve them over the course of a few years, and during that time, I watched them transform their life.

Fast forward a few years, and that man would become my Meaning Over Money business partner. It’s the one and only Cole Netten! Cole and I have had a fun and interesting journey. We each ran our own companies while we built Meaning Over Money with whatever spare time we could muster. During our span together, we’ve both moved multiple times, he had a baby, our careers each shifted in major ways, my wife nannied for their daughter, and his wife Kate started her own company.

This brings us to the present day. Kate and her business partner, Kalli, have a company called Kate and Kal Co. Their mission is simple, clear, and powerful: help Christian women find time and intentionality to lean into their faith. Kalli and her husband, Alex, are also clients of mine, which stemmed from Kate’s referral way back when I first started coaching professionally. Yet another example of how one thing leads to another. Despite having only met Kalli in person one time (and never meeting Alex outside of Zoom), we’re close. I love them dearly and they are like family to me.

In a fun full-circle moment, Kate and Kalli recently invited me to make a guest appearance on their Kate & Kal Co podcast (Apple, Spotify, or wherever you listen to podcasts). As I reflect on that conversation, I can’t help but think how all these little encounters and seemingly benign situations build upon each other until something special forms. That’s how I view my relationships with both of these families. It was nothing…..until it was something……until it was something special. I’m grateful to know these people and it’s humbling to watch them all make their own unique impact on the world.

That’s the thing with life. One day you meet a random couple at church, and the next you have a new family. You just never know!

I recommend you listen to the episode and check out Kate & Kal’s website (linked above). They are doing some amazing work, and it just may be the perfect fit for you (or someone you know).

The Relentless Pursuit of Better

My guy Alex Prins was just featured on the Creatives POV podcast. As a general rule of thumb, if someone I know is on a podcast, I’m listening. Having been in that world for some time now, I know there’s something about that particular medium that brings a bit extra out of people. Perhaps it’s the intimacy of a podcast setting, or the storytelling nature of the format, but people usually share some interesting tidbits about their life that I didn’t already know. Alex’s episode was no different.

As I’m listening, all I could think about was Alex’s relentless pursuit of better. At every step of his young career, he could have said, “yeah, this is good enough.” Then, he could have promptly taken his foot off the gas and coasted for as long as possible. That could be a safe, comfortable, secure, and very normal way to approach his career. Truth is, it would have eventually made him miserable. Had he taken the easy way, he may have settled for an industry he wasn’t meant for. Or, he could have locked into a comfort zone and merely tolerated the work, constantly dreaming about the day when he could finally retire and “enjoy his life.” Either act would have equated to him sacrificing meaning and purpose for indifference and mediocrity.

To be honest, Alex has no idea how hard this path will be for him. It will most certainly be brutal at times. There will surely be days when he wishes he would just settle into “normal.” On the other side of the coin, Alex has no idea how amazing this journey is yet to become. He has 40-50 good years left in him, so he’s only midway through the first quarter of the game.

If Alex came to me tomorrow to tell me he’s joining the circus, I wouldn’t be surprised and I probably wouldn’t doubt him. He’s one of those people who practice the relentless pursuit of better. That’s never a straight line, and rarely goes how we think it should. It’s exciting, terrifying, and sometimes messy. It won’t always be pretty, but it will always be worth it.

Even Robots Know My Weaknesses

There’s nothing quite like the pain of having to listen to your own voice or watch yourself on video. Every word, motion, tone, and nuance gets put under a microscope. And not just any microscope, but an unfair, distorted, and brutally critical microscope. Can we all just admit it sucks to watch and listen to ourselves?

When we started producing content for Meaning Over Money, I played a strong role in the editing process. Cole eventually kicked me out of that role, citing my need to trust him and his need to not deal with me. But those days of editing were telling for me. Watching myself and listening to myself helped me clearly see where my deficiencies were. I learned so much from that experience, and it honestly helped me get better every step of the way. Though I don’t watch or listen to all my own content anymore, I do absorb most of it at some point. A funny thing happened along the way. Now, when I’m absorbing my own content, it’s not me. It’s just some other guy who I’m experiencing as a consumer. It almost feels like a different person. It sounds weird - and it is - but it’s helped me become constructively critical instead of toxically critical.

Here’s the thing with our weaknesses. We may not always know them, but everyone around us does. If you’re ever brave enough, ask someone to share what yours are. It can be a brutal experience, but just like my story above, it can help us grow. A few nights ago, I was messing around with ChatGPT and trying to generate some ideas. Out of curiosity, I fed it my most recent blog post and asked it to “tell me how I can improve it.” The following is what the AI robot spit back out at me:

Here are a few suggestions on how you can improve the text:

1. Use more active voice: The text is written in passive voice in certain parts. Use more active voice to make the text more engaging and direct.

2. Use specific examples: The text could benefit from more specific examples of how the author's skills, experience, influence, and relationships from their previous career have helped them in their new career. This will make the text more relatable and convincing.

3. Be more concise: The text can be made more concise by eliminating unnecessary details and focusing on the main points.

4. Use transitions: The text may flow more smoothly if you use transitions between paragraphs and sections to guide the reader through the story and the author's thought process.

5. Be more specific in the end: The end of the text is a bit generic, it could be more specific if the author provides some tips or examples of how someone else can take the same approach to their own career shift.

Keep in mind that these suggestions are based on the text you provided, and the final decision on how to improve it is yours. These are just suggestions that you can use to make your text more engaging and effective.

Ouch! My gut reaction was, “What do you know? You’re just a stupid robot!” Then, I looked back and forth between its feedback and my article. If I’m being honest with myself, that feedback was 100% accurate. The truth hurts, but we have two options: 1) ignore it and be defensive, or 2) accept it and use it to grow.

I don’t always choose route #2, but my prayer today is to do it more consistently each day.

We Can't Just Skip to the Good Part

A while back, I was talking to my Meaning Over Money business partner, Cole Netten. We were talking about the podcast and how much traction we’ve gained with it. In that chat, I made a comment about how, in some ways, I wish we would have just started our business with the podcast instead of some of the other less-successful endeavors. I quickly realized how naive this comment was. Truth is, the podcast couldn’t have existed had we not been through all the other things. The thesis behind Meaning Over Money wouldn’t have been vetted like it is now. I wouldn’t have been able to clearly communicate ideas via video and audio on the podcast had we not done some of our earlier media projects (I was a hot mess in our early productions!). Even the name Meaning Over Money wouldn’t exist had we not worked on those earlier projects. None of what we have today would be possible without what we went through. We can’t just skip to the good part.

Yesterday, the Des Moines Register did a full-page story about my friend and Northern Vessel business partner, TJ Rude. I was a bit surprised by how vulnerable TJ was about his past failures and burnout. The birth of his coffee dream was full of so much hope and optimism, but just two years later he announced the closure of his shop and the potential end of his dream. Today, not only is Northern Vessel back, but it’s taken our metro by storm. Four years after its original launch, TJ has created something truly special…..and there’s no telling where it will go from here. In many ways, I suspect TJ wishes he could have just skipped to the good part. However, none of what he has today, or even who he is as a person, would be remotely possible had he not gone through everything before it. We can’t just skip to the good part…..and we should be grateful for that.

Done is Better Than Perfect

Per our normal rhythm, I record Meaning Over Money podcast episodes by myself, then let Cole know the episode is ready for his editing magic. We also tend to be 2-3 weeks ahead of schedule, with 4-6 episodes in the can at any given time. That changed recently during the holiday season. Between our crazy schedules, travel, and celebrations, we simply took our eye off the ball. It all culminated on New Year’s weekend when I let Cole know Monday’s episode was ready for him to edit. He quickly informed me he would be completely tied up all weekend and wouldn’t be in a position to produce it in time for Monday’s launch.

In that moment, we could have easily decided not to release an episode on Monday. It wouldn’t have been the end of the world. After all, we’ve released two episodes per week, on our scheduled release day, for 93 consecutive weeks. So one missed day wouldn’t have damaged us. But we have a motto: “done is better than perfect.” Actually, this is Cole’s motto. I’m a recovering perfectionist and Cole has beaten his mantra into me over the years. In fact, if it were up to me, we’d still be thinking about someday starting a podcast. That’s how much of a perfectionist I was

Our solution? I recorded a totally raw, totally unedited episode about this very idea, then hit publish. The episode wasn’t perfect…..but it was done. And frankly, I felt really good about it. I would have loved this episode to have proper editing, intros and outros, and all the other bells and whistles we expect from ourselves. But done is better than perfect.

Here’s what I’ve learned over time. Something done can impact people. It might not be perfect (err, it will NEVER be perfect), but done is always better than perfect. Done = impact. Something released into the world - with all its imperfections and flaws - can add value to someone’s journey. Conversely, perfection = potential. When we hold onto something and wait until it’s perfect, it can’t impact anyone. Nobody benefits from unreleased work while the creator pursues perfection. And the problem with perfection is it will never come. There’s always something to improve, to change, to enhance.

So what about you? Are you holding onto something in pursuit of perfection? Send it, launch it, publish it, share it……do whatever you need to do. Done is better than perfect!

You can listen to this podcast episode on Apple, Spotify, or wherever you listen to podcasts.

Looking Down the Mountain

We just recorded our 107th and final Meaning Over Money podcast episode of the year. That’s two episodes per week plus three bonus episodes. After typing that number, even I second-guessed whether that’s true. 107? Wow! That’s more than 30 hours of finished product content. Did that really happen? How did that happen?!?

Truth is, it didn’t feel like a lot as we were living it out. It was episode by episode, day by day, one foot in front of the other. It’s like climbing a mountain. While we’re in the midst of the climb, it doesn’t feel like we’re making a lot of progress. We climb, climb, and climb, and the peak doesn’t seem to get much closer. It’s only when we turn around and look down, we realize how far we’ve come. We know we’ve been climbing for a while, but it’s breathtaking to see just how high we are when we take a moment to look back.

I think this is a perfect metaphor for so many areas of life. Through all the hustle and bustle, comings and goings, we often fail to look down the mountain to see just how far we’ve come. In our finances, fitness, relationships, careers, skills, experience, faith, and so many more. Instead, we spend our time beating ourselves up, wishing we were better, and comparing ourselves to someone else. Instead of being proud and content with what we accomplished, we fixate on everything we wish we had done. Instead of celebrating the wins, we dwell on the losses. Or maybe that’s just me…..

If 21-year-old me could hop in a time machine to see what 41-year-old me would accomplish over those 20 years, I think he’d be pleased. It’s been an awfully steep mountain. I wish I would look down more often.

The Power of Not Stopping

My business partner recently confessed he hates our podcast cover art. Shocked at his statement, I responded, “what do you mean you hate it? You made it!!!” I thought I had him! He’s going to insult his own baby? His response to my response was, “I didn’t think we’d make it past 20 episodes, so I just threw something together quickly.” Wow…..!!!! How dare he!

19 months after starting the podcast, we’re more than 170 episodes in and we’re just getting started. On the outside, it seems like we have it all together, brimming with confidence. It couldn’t be further from the truth. There are so many times we want(ed) to quit. After all, quitting would be easier. Sometimes it’s hard to keep going when the going gets tough. Perhaps we’re just too stubborn to quit. We fail at something, so we try something new. We fail at that, so we again go back to the drawing board.

Podcast analytics can be hard to come by, but there’s one site that attempts to put it into perspective. Of the roughly 2.98 million podcasts that exist (which may also approximate how many have ever existed), they say we’re in the top 3% of all-time. We’re no Joe Rogan, that’s for sure. I think this statistic tells us more about everyone else than it does about us. To me, this is a measure of persistence. Most people quit, but we didn’t. We hope to produce amazing content for an ever-growing global audience for years to come, but that dies the moment we give up. Translation: we aren’t giving up…..even when it gets hard. The mission is too important to let our discomfort get in the way.

There’s at least one area of your life where this concept needs to be applied, and you know exactly which one. Go for it! I promise it will be worth it.