Thoughtful Thursday posts, Uncategorized

Thoughtful Thursday – July 6, 2023

My intention is to post a Thoughtful Thursday column each week and share some of the insights I have learned in the past week. Here are some of the things I’ve learned this week:

Fit, Healthy & Happy Podcast – 10 New Habits to Add to Enrich Your Life to Become Fitter, Healthier & Happier
  1. Make a habit of waking up earlier.
  2. Get sunlight as early as you possibly can.
  3. Minimize screen time, especially early in the morning.
  4. Put your money where your mouth is and invest in yourself.
  5. Utilize cold showers as well as hot/cold therapy.
  6. Have a self-reflection process (meditation, breathing, journaling, etc.)
  7. Take time for self-care. Examples: journaling, meditation, going on a walk with no stimulus, being alone with your thoughts
  8. Be a life-long student. Challenge what you know and reaffirm what you know.
  9. Aim for 10k steps per day.
  10. Check out of your day and create a plan for the next day each evening.
  11. Set a phone cut off time each evening, utilize different focus modes on your phone, and cut out social media before bed.
TED Talks Daily – How to be a team player — without burning out with Rob Cross
  • We are doing more collaborative work than ever before, and the problem is that it is overloading us. Collaboration can help us work better and smarter, can help us come up with ideas we never would have had on our own, and can make us happier than executing tasks alone. Collaborative work is now taking up to 85% of people’s work week.
  • We are often too eager to jump into collaborations that burn up our time. About 50% of the collaboration overload problem starts with the beliefs we have about ourselves and what it means to be a good colleague and a productive person.
  • Trigger: the desire to help others – can get so bogged down in helping that it prevents you from meeting your own goals and over time, you become a bottleneck slowing others down. The need for accomplishment – the cycle can get addictive. It leads you to solve more and more small problems for other people and avoid the bigger ones critical to your success. Fear – fear of missing out – frantic need to be apart of something, fear of losing control, fear of what others will say. These fears drive unproductive choices and lead us into burnout.
  • Learn to get comfortable saying “no.” Be clear about what projects or deadlines you have. Every “yes” means saying “no” to something else. Remember you can delegate. Look for moments where you can give partial direction or empower someone. Be intentional in crafting your work life. Ask yourself how it aligns with your goals, how much time it will take, and what the upsides are.  

I can relate to this! I have a tendency to want to help others, feel accomplished or useful, and fear what others will say if I don’t help with something and have a free moment. It has caused burnout in the past and is something I am slowly working on.

Disclaimer: These next two podcast episodes were about different methods to parenthood. I am not personally undergoing either of these, but was curious to learn more, as NerdWallet has been covering the price of parenthood recently and had an episode about adoption. I wanted to see how these methods compare to adoption.

NerdWallet’s Smart Money Podcast – The Price of Parenthood: In Vitro Fertilization and the Future of Parenthood
  • More than 73,000 babies were born via IVF in 2020 from over 300,000 implantation cycles.
  • It is impossible to find an average cost, as the cost differs from state to state, insurance company, medications you take, and how many cycles you go through.
  • IVF- some insurance covers a few rounds and some insurance doesn’t cover any.
  • Initial cost: testing and medications needed: $5,000. Procedure cost for 1 cycle (collecting eggs and fertilizing them): $11,000 + costs of pregnancy and childbirth. Some patients do IVF and surrogacy. It may take several cycles of IVF for a successful pregnancy, and there is an added cost for each cycle.
  • IVF is generally considered a luxury treatment because it is not readily available to people who don’t have $. Insurance generally does not cover the cost, and people often go through a few cycles!
NerdWallet’s Smart Money Podcast – The Price of Parenthood: How Egg Freezing Works
  • Some insurance companies are required to cover medically necessary fertility preservation (sperm or egg freezing). This is often the case when patients are undergoing chemotherapy and desire to have kids someday.
  • Some insurance companies cover egg freezing even without a diagnosis that warrants it. Some insurance companies cover testing, procedures, and medication with a lifetime maximum benefit of $15k for procedures and $10k for medication.
  • You can save up by maxing out your HSA contributions every year.
  • Extraction costs= $6k-8k. You also need to pay for medications that can cost thousands of dollars. This is for one round of freezing, and generally people need at least two rounds. The cost is estimated at $20-$30k for two rounds. Storage costs average about $500/year.
  • One thing I found interesting is that egg freezing carries a similar cost of adoption!
Fit, Healthy & Happy Podcast – Debunking 7 Fitness Myths Everyone Believes
  • Myth: More sweat = better results and better workouts. Fact: Focus on progressive overload. The sauna is not your saving grace for losing weight; you are just losing water. Sweat every day.
  • Myth: Spot reduction. Fact: You are better off working your body as a whole.
  • Myth: Lifting weights will make women bulky. Fact: You need a combination of strength training with cardio.
  • Myth: You can build a great physique with just cardio. Fact: Lifting will improve your muscularity and physique. Lift 3x/week minimum.
  • Myth: You have to eat entirely clean to make progress. Fact: Allow yourself some treats.
  • Myth: Stretching before exercise will prevent injuries. Fact: Stretching can actually increase the chances of injury.
  • Myth: No carbs after (insert time here). Fact: Setting time limits on carbs is not necessary.
Food, We Need to Talk – A “Healthy” Relationship with “Unhealthy” Food ft. Jordan Syatt
  • In junior high, Jordan recalls his time in wrestling, where he and others went to extreme measures to “make weight” for competitions, such as working out in a sweatshirt, not drinking any water, and skipping meals. These practices can lead to eating disorders – wrestlers often binge eat then starve themselves to make weight for competitions.
  • Power lifting helped get over his eating disorder. He took his focus away from trying to be lean to trying to gain strength and knew he had to fuel his body properly. He became a 5-time world-record power lifter.
  • If you are hyper-focused on weight, it is important to have a balance between clean eating and splurges. A more balanced diet decreases binges.
  • Calorie counting can trigger binge eating for some people. As soon as a limit is put on how much you can eat that day, some people view it as a countdown to eating until you’re all out of calories.
  • Be more self-aware and structured with your diet by adding more fruits and vegetables.
  • Being strict about only eating clean food can lead you to say no to social gatherings, refrain from eating cake at birthday parties, and refrain from some foods you love. Allow yourself to splurge sometimes. You can have any food you want. The majority of your food should be whole, minimally processed, nutrient-dense foods: fruits, vegetables, lean proteins, high fiber, and whole grains.

You should have zero guilt or negative emotions for having treats in moderation.

  • Jordan ate a Big Mac every day and ate a healthy diet overall and exercised regularly. He lost seven pounds in one month. The purpose of the Big Mac challenge was to show that you can still have treats and make progress as long as you are consistent with the other aspects of your life (overall nutrition and exercise).
  • If something scares you, it’s probably the right move. If stopping counting calories scares you, you should probably stop counting calories. If taking a rest day scares you, you should probably take a rest day. If going to the gym scares you, you should probably go to the gym.
Switched on Pop – My Beyonce Ticket Cost $4,000: Why The Touring Industry Might Be Broken
  • People were put in groups on Ticketmaster. You had to apply to a tiered status to try to get tickets. It’s like a lottery system. People are placed on waitlists.
  • The concert industry is broken. Part of the problem is Ticketmaster. Tickets and fees have never been more expensive. Some people spend thousands of dollars on tickets to Beyonce or Taylor Swift, and even nosebleed tickets are hundreds of dollars.

The monopoly of Ticket Master Live Nation has a total chokehold of the industry. They control the venues, they are the promoters, they are the management of the artists, they control the sale of tickets, and they control all aspects of the live music industry. Before they merged, Ticket Master was solely a ticketing agency. Live Nation was historically an artist manager and promoter. Live Nation was considering their own ticketing world to compete with Ticket Master, and they eventually merged.

  • AEG (a competitor promoter) was used for Taylor Swift’s tour. They still had to work with Ticket Master on selling the tickets they were promoting.
  • Solutions: legislation restricting the second-hand market in certain ways or a breakup of Ticket Master Live Nation so that it isn’t a monopoly.
The Jordan Harbinger Show – Fireworks – Skeptical Sunday
  • The fireworks industry netted $2.2 billion in 2021.
  • Cons: fireworks damage property, pollute the environment, and literally blow off fingers. Firework injuries are up 25% in the last 15 years. About 4,800 people per year have hand or finger injuries due to fireworks.
  • Fireworks emit metals and gases into the air.
  • The fear that fireworks conjure fascinates us. Neuroscientists say that the reason we enjoy fireworks is because they frighten us – similar to horror movies and haunted houses
  • Los Angeles had its worst air quality in a decade after the fourth of July in 2022.
  • There are over 14,000 fireworks displays in the U.S. alone during the 4th of July weekend. Fireworks used to celebrate independence temporarily increase particulate pollution by an average of 42%.

The Veterans’ Administration website indicates that fireworks often trigger combat veterans’ PTSD, resulting in flashbacks and nightmares. Many of them need to plan to get away from firework shows. Pets are also impacted and are often terrified. Some animals become so frightened that they run away. According to the American Kennel Club, more pets go missing during July 4th weekend than any other time of the year. In an ironic twist, the celebration of America can cause our nation’s iconic mascot, the bald eagle, to abandon their nests.

  • According to the National Fire Protection Association, fireworks account for approximately 19,500 fires per year, leading to an estimated $105 million in property damage.
  • The political and monetary reasons for fireworks are massive. Many people believe fireworks are protected by the second amendment (gunpowder). Gunpowder fuels the fireworks.

I look forward to reading, learning, and sharing more with you soon!

Book review posts, Uncategorized

The 7 Habits of Highly Effective People

“The 7 Habits of Highly Effective People” is a very interesting and educational book written by Stephen R. Covey. I highly recommend this book and am certain everyone can get something out of this book.

Habit 1: Be Proactive

How often do you use and hear reactive phrases such as “If only,” “I can’t,” or “I have to?”

Use your R & I! Use your resourcefulness and initiative when problems arise!

Problems = direct control vs. indirect control vs. no control

  • Direct control problems are solved by working on our habits.
  • Indirect control problems are solved by changing our methods of influence.
  • No control problems involve taking the responsibility to change the line on the bottom of our face — to smile, to genuinely and peacefully acccept these problems and learn to live with them.

Between stimulus and response, man has the freedom to choose.

Viktor Frankl

Habit 2: Begin with the end in mind.

Picture your funeral. What would your family, friends, coworkers, and church members or community say about you? What character would you like them to have seen in you? What contributions or achievements would you want them to remember? What difference would you like to have made in their lives?

Habit 3: Put first things first.

The cause of almost all relationship difficulties is rooted in conflicting or ambiguous expectations around roles and goals. Many expectations are implicit. They haven’t been explicitly stated or announced. It is important to state expectations.

Many people refuse to delegate to other people because they feel it takes too much time and effort and they could do the job better themselves. Transferring responsibility to other skilled and trained people enables you to give your energies to other high-leverage activities. Delegation means growth, both for individuals and for organizations.

You can’t think efficiency with people. You think effectiveness with people and efficiency with things.

Stephen R. Covey

Habit 4: Think win-win.

Win/win = a frame of mind and heart that constantly seeks mutual benefit in all interactions. Seek to understand, identify the key issues and concerns, determine what results would constitute a fully acceptable solution, and identify possible new options and achieve those results.

Habit 5: Seek first to understand, then to be understood.

Seek first to understand, then to be understood. Most people listen with the intent to reply.

Continuous deposits are needed. 6 major deposits: understanding the individual, attending to the little things, keeping commitments, clarifying expectations, showing personal integrity, apologizing sincerely when you make a withdrawal.

Habit 6: Synergize.

As a principle-centered person, you try to stand apart from the emotion of the situation and from other factors that would act on you and evaluate the options. Looking at the needs that may be involved and the possible implications of various alternative decisions, you’ll try to come up with the best solution, taking all factors into consideration.

The person who doesn’t read is no better off than the person who can’t read.

Stephen R. Covey

Management is doing things right. Leadership is doing the right things.

Stephen R. Covey

Habit 7: Sharpen the saw.

Life life in crescendo. The most important work you will ever do is always ahead of you. Regardless of what you have or haven’t accomplished, you have important contributions to make.

What one thing could you do that, if you did it on a regular basis, would make a tremendous positive difference in your personal life? What one thing in your business or professional life would bring similar results?

4 dimensions of renewal

Daily Private Victory- Spend a minimum of one hour a day in renewal of the physical, spiritual, and mental dimensions. This is the key to developing the 7 habits.

I highly recommend this book!

I look forward to reading, learning, and sharing more with you soon!

Thoughtful Thursday posts, Uncategorized

Thoughtful Thursday – June 1, 2023

My intention is to post a Thoughtful Thursday column each week and share some of the insights I have learned in the past week. Here are some of the things I’ve learned this week:

One of the best things I’ve heard this week is from this podcast.

Optimal Relationships Daily- If You Want to Know if Someone is Worth Your Time, Use the Ted Lasso Rule

If you want a quick way to determine if someone is worth your time, are they curious? Do they ask your questions? If not, are they worth even getting to know?

Many people skip the small talk in favor of talking about themselves.  They’re the ones missing out because they’re not being curious. Curiosity has been buried by ego.

Optimal Health Daily- Self-Care Ideas for Better Health and Nutrition by Danielle Omar
  • Thoroughly chew your food to improve digestion, engage the senses, and reduce energy intake.
  • Assess hunger and fullness to determine when it’s best for you to start and stop eating.
  • Reduce portion sizes and use smaller dishes to prevent overeating.
  • Eliminate distractions at mealtimes to better control food intake and focus on how food makes you feel.
  • Appreciate the food you’re eating without judgment and savor its appearance, smell, taste, and texture.
  • Eat foods that make you feel good.
  • Plan and prep your meals.
  • Satisfy your sweet tooth.

I gathered some dental insights from these two podcasts:

Science Vs – The Dentist: Toss the Floss? Flush the Brush?
  • Oral hygiene alone did not prevent cavities in studies done. Fluoride was the main component in preventing cavities.
  • Brushing with fluoridated toothpaste helps prevent cavities. Brushing might also prevent gingivitis and gum disease. Flossing may help with tooth loss as you get older. Sugar is bad for teeth. Some dentists are shysters.
Life Kit- ‘Do I really need to floss?’ and other common questions about dental care
  • Finding a dentist is more than just picking from a list. Every procedure that a dental hygienist does is proactive in helping to prevent inflammation and reduce inflammation. A dentist is going to restore or be reactive to disease. A dental assistant assists the dentist.
  • To evaluate if a hygienist is a good fit for you, see how receptive they are to answering your questions. For example, ask about proper brushing techniques. Have the hygienists observe what you do and see what feedback you get. Overall, you want to make sure that the practice is for you, not a random cash grab.
  • Red flags- offices that do a lot of aggressive advertising, free x-rays, free exams, and free goodies to lure you in. Once you are in the chair, those dentists know you are more likely to say yes to extra procedures.
  • Get specific about your fears and then you can talk about them with your dental team. A good practitioner is going to be a great educator and help ease those fears. Is it going to hurt? Is it going to cost a lot? Is my face going to feel numb?
  • Find someone you feel comfortable with who doesn’t shame you.

Saving money:

  • Dental schools are a great option if you are looking to save money. You get the benefit of getting many different opinions and great advice. If you have the time to do it, visits to a dental school may be less expensive, but will take more time. Appointments can take up to 4 hours instead of 1 hour due to many people checking you out and the training involved.
  • Can look for sliding scale or mobile dental clinics

Frequency and technique:

  • Most healthy patients should come in 2x/year. Some patients may only need to come in once a year.
  • Clean teeth are all about technique.  Use a soft, high-quality toothbrush (if manual, switch out every 4-6 weeks), non-nylon floss, tongue scraper, and low abrasive toothpaste.
  • Teeth whitening- health and aesthetics are not the same thing! White teeth are a status symbol, but not necessarily a marker of health. Teeth aren’t naturally white as snow; there is a slight yellow white hue of your teeth due to dentin, an inner layer of the tooth under enamel. So if a dentist is immediately bringing up whitening procedures without any evaluation of cavities, gum disease, or other issues, be wary.
  • Charcoal and whitening toothpastes are so abrasive that they can make your teeth super sensitive and potentially wear down your teeth. They are removing stains,but are not actually changing the color of your teeth.
Life Kit- Why the 5-minute walk break is so powerful
  • People who sit for hours on end develop chronic diseases, including diabetes, heart disease, dementia, and cancer at much higher rates than those who move throughout the day.
  • Taking a 1-2 minute walk once per hour lowers blood pressure. A 5-minute walk every half hour was able to offset a lot of the harms from sitting. Moving 5 minutes every hour resulted in the blood sugar spike after a meal being reduced by almost 60%. This may not be feasible with most office jobs, as you are losing 10 minutes of productivity each hour.
  • People are advised to get 150 minutes of moderate intensity physical activity each week (getting your heart rate up). You can break this up into 30 minutes a day 5 days a week, but small chunks of fast walking can count as well.
  • You will gain energy by moving every half hour or hour.
  • The whole point is to raise your heart rate—walking, dancing, etc.
Self Care IRL- Habits you have that you need to break TODAY!
  • Emotional eating– eating snacks and junk when you’re happy, sad, stressed, bored, etc. Be intentional with your eating and drink more water. Sometimes you think you’re hungry but you’re just thirsty.
  • Sitting for too long at one time– try to schedule a little break at the top of each hour to get up and move, use a sit-stand desk, etc. Boosts metabolism, reduces stress, and can create a more productive day
  • Hitting the snooze on your alarm clock. Go to sleep earlier than usual if you feel you’re not getting enough sleep each night.
  • Stop spending hours on social media. Daily social media users spend, on average, 2.5 hours on social media (including TikTok). It’s not always being used to relax or escape; it’s being used to procrastinate. Many people use social media to waste time. Limit your time on social media to 1 hour/day. You can use apps to monitor your social media intake. Instead of resorting to scrolling on social media with every spare moment, try reading, learning something from a podcast, moving around, or tackling something on your to-do list.
  • Working overtime. You give up family time, me time, and sleep time, and your physical and mental health starts to decline. If you don’t NEED the money, set time boundaries with your work.
  • These habits are draining our energy and preventing us from reaching our true potential.

I am guilty of most of these! I am focusing on being more intentional with breaking or limiting these habits this month.

Self Improvement Daily- Mistaking Happiness for Pleasure

We are designed to seek immediate gratification. Our unconscious pattern is to do things that make us feel good in the moment, which often conflicts with what makes us feel good later.

Sometimes we overindulge in a meal because we enjoy the taste of delicious food, but we end up feeling sick to our stomach later. Sometimes we scroll on social media when we are bored or procrastinating, and we later regret how we used our time.

You can feel happiness and pleasure in a moment, but pleasure is concerned with the present moment and happiness is concerned with your core values, growth, development, and well-being.

If you can be more discerning between the two, happiness and pleasure, pursue happiness. It will lead to a much more enriching life where you feel good about who you are and how you’re filling your life with genuine joy.

I look forward to reading, learning, and sharing more with you soon!

Book review posts, Uncategorized

Unwinding Anxiety + Habit Loops

“Unwinding Anxiety” was written by Judson Brewer, MD, PhD, an internationally renowned addiction psychiatrist and neuroscientist, director of research and an associate professor at Brown University, and founder of Eat Right Now and Craving to Quit apps. Further, his 2016 Ted Talk “A Simple Way to Break A Bad Habit” has over 16 million views! This book emphasized that anxiety and addictions (eating, smoking, drinking, etc.) manifest themselves in habits and the first step to overcoming them is to understand the origin of the habits we want to eliminate or replace and update the reward values.

  • 1. Identify your habit loops.
  • 2. Update the reward values of the behaviors you want to change (using mindfulness and curiosity).
  • 3. Replace your old habits with new, healthier habits.

Paying attention is really important if you want to change a habit. If it’s a habit that you desperately want to break, you can’t tell, force, or wish it to stop because these likely don’t have an effect on its reward value. Look and learn. Ask yourself “What do I get from this?” when thinking about the result of bad habits.

If you struggle with overeating, focus on the full and bloated feeling you get when you’re done eating.

If you struggle with smoking, be mindful and think about the taste and smell (I was surprised to learn that most smokers in a study reported that when they paid attention when trying to quit, they realized they hated the smell and taste)!

Force your old brain to relearn and reassociate negative feelings with the habits you want to change. It is true that past behavior is likely the best predictor for future behavior, but what we do in the present moment, not what we did in the past, will determine the likelihood of continuing or changing that trajectory.

Use RAIN:

  • Recognize what is happening right now.
  • Allow/accept it.
  • Investigate body sensations, emotions, or thoughts.
  • Note what is happening in your experience.

Examples of habit loops:

  • Trigger: getting into an argument
  • Behavior: bingeing
  • Result: feeling physically, emotionally, and mentally awful with no improvement in relationship
  • Trigger: start working on long task and feel overwhelmed
  • Behavior: check social media
  • Result: avoidance; feel more stressed that no progress is made
  • Trigger: anxiety/sadness
  • Behavior: start drinking
  • Result: numbing, forgetting, feeling intoxicated, avoidance
  • Trigger: look at unfinished to-do list
  • Behavior: worry about not getting it done
  • Result: feel anxious

This book was an educational read and seemed geared more toward overall addictions and habits, not just anxiety.

I look forward to reading, learning, and sharing more with you soon!

Thoughtful Thursday posts, Uncategorized

Thoughtful Thursday- April 6, 2023

My intention is to post a Thoughtful Thursday column each week and share some of the insights I have learned in the past week. Here are some of the things I’ve learned this week:

Psych2Go – 8 Daily Habits that Drain Your Energy

These daily habits can cause you to feel stressed, anxious, and exhausted:

  1. looking on the negative side of life/being a pessimist
  2. overthinking
  3. living in the past and taking your focus off of the present moment
  4. associating with negative people and drama
  5. using social media to bring you down and fall into the comparison trap
  6. having a poor diet
  7. not exercising regularly
  8. having an unhealthy or irregular sleep schedule

When a box of girl scout cookies is sold for $5.00, $1.50 goes to the bakery that made it and $3.50 stays local and is split between the regional troop and the troop you bought it from.

The career record is $180,000 boxes sold, resulting in a college scholarship. Girl scouts can increase sales by setting up a booth at a populated place, such as a supermarket parking lot. This results in more sales than going door-to-door.

In 2014, Girl Scouts started accepting credit cards using mobile card readers and began selling cookies online.

The pandemic resulted in fewer girls enrolling in Girl Scouts, supply chain issues, and labor shortages that made it harder for bakeries to produce cookies. The Scouts started using DoorDash to deliver cookies same-day!

DoorDash Partners with Girl Scouts of the USA to Offer Exclusive On-Demand Delivery as Girl Scout Cookie Season Kicks Off

Business lessons:

  • Each season, each scout commits to selling a specific # of boxes, and she gets to decide how many. The troop pays for the boxes upfront and the scout repays the troop with the money from the sales. If you have excess boxes because you didn’t sell as much as you committed to, you usually have to pay the troop, but sometimes you can swap flavors with cookie hubs.
  • The harsh realities of cookie season (competition, finance risk, supply chain issues, technological disruption) are a part of the commerce business. This presents a great opportunity to build business skills.
How I Built This with Guy Raz- Mark Cuban Cost Plus Drug Company

**I have not used Cost Plus Drug Company myself. I combined information from this June 2022 episode and this updated article:

https://www.forbes.com/sites/joshuacohen/2023/01/01/mark-cubans-cost-plus-drug-company-continues-to-revolutionize-generic-drug-pricing/

Mark Cuban got involved through a cold e-mail from a radiologist who was working on a compounding pharmacy that could sell pharmaceuticals for less. They spent four years working with manufacturers and regulatory agencies, and Mark subscribed to and read every report and article he could get his hands on regarding healthcare and pricing before starting costplusdrugs.com in January 2022.

In the standard U.S. market, the prices of pharmaceuticals are set by considering Medicare as a percentage of the retail price, insurance companies, rebates, paying pharmacy benefit managers, etc. Cost Plus Drugs (costplusdrugs.com) is transparent in pricing: 15% market from their cost + $3 for handling + $5 for shipping. They are able to keep costs low by eliminating all of the others involved in the standard insurance process, and they use True Pill as a pharmacy/fulfillment center.

Costplusdrugs.com offers over 800 generic drugs. The company/website is especially beneficial for those who are uninsured or those who have insurance but are in the high deductible phase. For many generic drugs, the co-payment can be higher than the actual price of the drug.

The challenge in getting this company to scale more has been getting manufacturers to sell to Cost Plus because they are afraid of the response they will get from insurance companies who also work with them. Cost Plus generally does not want to work with insurance companies because they want to be the low-cost provider of every drug they sell.

Financial Feminist- Life Insurance 101 with Ladder

Lessons learned about life insurance:

  • Index universal life insurance is a scam.
  • Life insurance is a selfless product. You are paying for something YOU will never benefit from.
  • The younger you are, the cheaper life insurance will be.
  • A good rule of thumb is to have 10x your salary to cover all of your liabilities. Most people are only covered for their salary.
  • Term life insurance (offered through many companies such as Ladder) is the most cost-effective because you are only covered for a certain amount of time. You can invest the difference you would save buying term life instead of whole life insurance. Whole life insurance is permanent and is 4-10x more expensive.
  • Life insurance should be used for insurance, not an investment. Investing should be used for investing!
  • When looking for life insurance coverage, look for good pricing, reviews, financial ratings, transparency, and what’s being added on as riders.
  • If you are a stay-at-home mom, you should still have life insurance because your partner will need $ to cover childcare in the event you pass away. If you take care of your parents, you need life insurance to cover expenses for care providers for them in the event you pass away. If you have any liabilities, you should have life insurance.
  • If you don’t have financial liabilities (mortgage, auto loans, etc.), debts, or kids, life insurance is not necessary.
Self Care IRL- 8 Bedtime Rituals for your Mind & Body

The things you do right before bed can determine whether you toss and turn for hours or get a good night’s sleep.

Before bed, list priority items to handle the next day.

When you think of things you need to do during the day, think about whether you will do them today, tomorrow, or another day and schedule them. Then when you’re in bed you won’t have a racing mind of everything you need to do.

  1. Turn down the lights. Exposure to light causes your body to produce hormones that increase alertness. Don’t watch tv/use your computer/use your phone starting one hour before bedtime. Charge your phone in another room and use an actual alarm clock to wake you up.
  2. Slow down. By 8 p.m., your body should be in wind-down mode. Ditch the late-night workouts and active activities. Devote your evening to gentler activities.
  3. If you MUST, have a light snack or a treat. It doesn’t need to be something sweet. It can be something healthy but enjoyable to you—protein, a healthy carb, or chamomile tea
  4. Apply a fragrance. Lavender is an age-old remedy for insomnia. You can use lavender oil/vanilla pillow sprays, a diffuser, or a cotton ball with lavender in your pillowcase.
  5. Warm up. Raising your body temperature induces drowsiness. Take a hot bubble bath or slip under a heavy weighted blanket. A warm non-caffeinated beverage also works. Warm your body but keep your room cool.
  6. Treat your aches and pains earlier in the day to prepare yourself for sleep.
  7. Suspend all of your daily concerns. What if you get to bed on time but you lie awake worrying about credit card bills, tomorrow’s meeting, whether you watered your plants, called someone back, etc.> Let the day go and resolve to let go of distractions. You will sleep better if you can do this. If you are focusing on your breathing, your brain cannot simultaneously work overtime to worry.
  8. Meditate or pray.

Good quality sleep protects your mental and physical health. Rely on bedtime rituals that will help you doze off faster and stay asleep all night long.

Radio Headspace- Life Without Practice

We can have such tunnel vision of wanting to be better that we can lose sight of where we started. Stop, pause, and reflect on how far you’ve come and the progress you’ve made. TWe tend to forget about what our life was like before we achieved x, y, and z.

Document everything. Keep a notebook to record your emotions and thoughts. This will serve as a reference for how far you’ve come. I have been keeping a One Line A Day journal for over three years. It is a five-year dated journal in which you can look back on what you wrote that particular day for up to five years. Each night, I write something about my day–something that brought joy to my day, something I struggled with, something I did that day, etc. It has been interesting looking back at some things I wrote years ago and comparing those entries to where I’m at now.

Remember that you are a human before anything else and all moments of your life are worthy of being celebrated.

Sometimes when I am reading a book and come across an unfamiliar word, I Google it right then and there. One word I came across this week was bespectacled:

be·spec·ta·cled

[bəˈspektəkəld]

ADJECTIVE

  1. (of a person) wearing eyeglasses:

Ex: Mr. Merrick was a slim, quiet, bespectacled man.

I found this interesting because I have never heard anyone use that word!

I look forward to reading, learning, and sharing more with you soon!

Thoughtful Thursday posts, Uncategorized

Thoughtful Thursday- March 16, 2023

My intention is to post a Thoughtful Thursday column each week and share some of the insights I have learned in the past week. Here are some of the things I’ve learned this week:

One book I read this past week was “Taking Down Backpage: Fighting the World’s Largest Sex Trafficker” written by Maggy Krell, a legal trailblazer who has taken on high-profile criminal and civil cases. One of the most important things I learned from this book is that The Communications Decency Act shields internet providers from facing suit over the content by those posted on their sites, but does not provide immunity if a provider engages in their own criminal acts. Despite its reputation, sadly Backpage could not be charged for pimping, but bank fraud and money laundering charges held, $200 million in assets were seized, and BackPage was shut down. Visitors to the page have been greeted by this message:

How to Be a Better Human- Why Kim Scott thinks you need to ask for feedback

One thought-provoking podcast I listened to this week was about soliciting feedback. Nearly all of us have experienced times when someone went off on us for something we had been doing for a while that people didn’t like but didn’t correct until they couldn’t take it anymore. We think “why didn’t you tell me?” One of the solutions to this is to solicit feedback regularly. There are four steps:

  • Think about the words you’re going to use to ask for feedback, and make sure the question can’t be answered with a “yes” or “no.” Don’t ask “Do you have any feedback for me?” Consider asking “What could I do or stop doing that would make it easier to work with me?” Some of my other favorites include “What could I do to be more successful in this role?” “What concerns do you have at the moment?”
  • Embrace the discomfort. No matter how good your question is, the other person may feel uncomfortable for a moment.
  • Listen with the intent to understand, not to respond. Ask follow up questions.
  • Reward the candor. Use the recommendations given. Continue asking for feedback after corrections have been made. Be open to changes.
Optimal Relationships Daily- How to Spend Money Wisely
  1. Make a list of what you value. The best way to spend money wisely is to align your spending with your values. Ask yourself: “Am I spending my money on things I value?”
  2. Make a list of things you really enjoy. Avoid spending too much money on things that aren’t at the top of your “joy” list.
  3. Make a list of places, things, or people that cause you to make poor spending choices. If you can identify these weak points, then you can begin to live your life in a way that helps to avoid some of these spending hot spots.
  4. Review your regular spending for things to eliminate. List your required spending for the month, such as rent or mortgage, insurance, debt payments, utilities, services, etc. Is there anything on that list that you don’t need or want?
  5. Review your regular spending to identify things to reduce. Can you call the providers to ask for a better rate?
  6. Create a budget.
  7. Start writing down each purchase you make.
  8. Switch to only cash if you have a problem with credit card spending.
  9. Implement a “sleep on it” rule. For any purchase over X amount, wait one night/a week/thirty days, etc. to evaluate the potential purchase against your values and your budget.
  10. Put future spending on a calendar. It allows you to prepare by saving for the spending requirement and allows you time to shop around for the best price.

When I graduated from college, I was determined to work hard, live frugally, and pay off my student loans early. In addition to working three low-paying jobs, I kept a categorized and color-coded Excel spreadsheet of all of my income and spending. I then evaluated my spending each month and worked on cutting back some expenses. It worked well for me! This month, I started tracking my spending again and am making an additional category: recurring, variable, and impulse purchases. I look forward to evaluating each month to get a better idea of my expenses and values.

The School of Greatness- 3 Daily Habits to Improve Your Life w/ James Clear

James Clear is the author of “Atomic Habits,” which has sold over 5 million copies. He recommends 3 daily habits to improve your life:

  1. Learn something new by reading or listening to podcasts.
  2. Physical activity
  3. Reflection and review of your day

The more your habits align with an expectation of a group or tribe, the easier they are to stick to. Join groups where your desired behavior is the normal behavior. One example listed was drinking habits. If you want to stay sober, make sure you spend time with people who are sober and don’t pressure you to drink.

The way you spend your days is the way you spend your life. The bad days are more important than the good days. They test you and your values, and you need to find a way to show up.

Food, We Need To Talk- Cardio, Lifting…or BOTH?

People who diet or want to lose weight tend to decrease calories and increase movement/cardio.

To lose weight, you need to burn more calories than you eat. Cardio is an easy way to burn calories, but you need to increase muscle mass to increase your metabolism. You need to do a mix of strength training and cardio. Cardio alone is one of the worst weight loss tools.

Over half of our daily metabolism comes from our basal metabolic rate. One of the biggest determinants of BMR is muscle mass. Muscle requires more calories to maintain. As you lose weight, your BMR is going down. Try to counteract that by building new muscle tissue by lifting weights.

Don’t just look at the # on the scale. Muscle mass can cause you to be in the overweight/obese category weight-wise. Focus on increasing your muscle mass. The most ideal place for new weight loss clients is for the scale not to move at all (signaling you’re gaining muscle and losing fat and building your metabolism). Maintaining muscle is easier than building it. You only need to do 1/7 of the work to maintain it.

If you do the same thing every day or week, your body will get used to it. You need to switch things up and add more weight to your exercises.

Cardio is useful in overall health and preventing diseases, but if you have to do cardio and lifting on the same days, whatever you do first is what you’re going to get best at. Prioritize according to your goals. If your goal is to change your body composition, lift weights first.

I look forward to reading, learning, and sharing more with you soon!

Book review posts, Uncategorized

The Power of Habit

“The Power of Habit” written by Charles Duhigg is among my favorite books I’ve read this year and among the most helpful books I have ever read. This book focused on the process of creating and modifying habits, habitual cues and rewards, and contained many interesting marketing examples shaped by habits: Pepsodent, Febreze, Target, foaming shampoo/toothpaste/laundry detergent, the response to Rosa Parks, AA, etc.

The habit cycle consists of the cue➡️routine➡️reward. If you use the same cue and provide the same reward, you can shift the routine and change the habit. Almost any behavior can be transformed if the cue and reward stay the same.

The basal ganglia (part of your brain) stores hundreds of habits we rely on every day. If the basal ganglia gets damaged, such as in those with Parkinson’s or Huntington’s disease, you may lose your habits.

If you want to change a habit, you must find an alternative routine, and your odds of success go up dramatically when you commit to changing as part of a group.

To modify a habit, you must decide to change it. You must consciously accept the hard work of identifying the cues and rewards that drive the habit’s routines and find alternatives. You must know you have control and be self-conscious enough to use it.”

Charles Duhigg

Almost all of the patterns that exist in our lives – how we eat, sleep, talk to people, spend our time, spend our money – are habits. You have the freedom and responsibility to change these habits.

Once you understand that habits can be rebuilt, the power of habit becomes easier to grasp, and the only option left is to get to work.

Charles Duhigg

Almost all habitual cues fit into one of five categories: location, time, emotional state, other people, and the immediately preceding action.

Here are some common habits (related to eating) that I can think of that fall into these categories:

Location: eating popcorn at a movie theater, drinking at a bar, eating cake at a birthday party

Time: eating breakfast, lunch, or supper around the same time each day, even if you aren’t actually hungry

Emotional state: feeling stressed or sad can result in binge-eating junk food

Other people: being surrounded by people at parties and social events may urge you to eat or drink

Immediately preceding action: eating dessert or something sweet after a meal because it is your way of ending the meal

❗❗One of the most interesting stories was about the history of Febreze, which was initially manufactured to destroy odors. Researchers provided free bottles to households with pets, and upon following up with them months later, found that people couldn’t detect most of the bad smells in their homes because they became desensitized. The product’s cue was hidden from those who needed it most, so Febreze ended up in the back of a closet. Febreze then changed to a distinct scent and was positioned as a reward: the nice smell that occurs at the end of a cleaning routine. The irony is that a product manufactured to destroy odors was transformed into the opposite: an air freshener used as the finishing touch when things are already clean!❗

Pepsodent increased awareness of tooth film as a cue to become the best-selling toothpaste for more than 30 years. The reward was marketed as beautiful teeth. Mint oil and other chemicals were used to create a cool, tingling sensation on the tongue and gums. People craved that irritation, and although it doesn’t make the product work any better, it convinces people that it’s doing the job.

Later, Crest became the top seller by featuring fluoride, which was the first ingredient in toothpaste that actually made it effective at fighting cavities.

Foaming is a huge reward. Shampoo, toothpaste, and laundry detergent often contain foaming agents. Although there’s no cleaning benefit, once the customer starts expecting that foam, the habit starts growing.

Alcoholics Anonymous (AA) is a method for attacking the habits that surround alcohol use. AA forces people to identify the cues and rewards that encourage their alcoholic habits and then helps them find new behaviors.

It’s not obvious from the way the 12 steps are written, but to complete those steps, someone has to create a list of all the triggers for their alcoholic urges.

J. Scott Tonigan

Then, AA asks alcoholics to search for the rewards they get from alcohol: escape, relaxation, companionship, the blunting of anxieties, and an opportunity for emotional release.

If order to offer alcoholics the same rewards they get at a bar, AA has built a system of meetings and companionship – “the sponsor” each member works with along with frequent meetings.

“Hey Ya!” by Outkast was a flop at first. Many people changed the radio station when it came on. It needed to become part of an established listening habit to become a hit, so it was sandwiched between songs that were already popular, and it grew in popularity.

The author discussed that the response to Rosa Parks and societal change was the result of social ties across dozens of groups.

Movements don’t emerge because everyone suddenly decides to face the same direction at once. They rely on social patterns that begin as the habits of friendship, grow through the habits of communities, and are sustained by new habits that change participants’ sense of self.

Charles Duhigg

Target extensively tracks customers’ buying habits. Every person has a permanent Guest ID #, and Target analyzes shopping habits, demographics, age, marital status, kids, how far from the store the customer lives, websites visited, etc.

To read more about habits and my habits journey, check out:

A podcast I highly recommend that focuses on habits is Sad to Savage with Shelby Sacco.

I look forward to reading, learning, and sharing more with you soon!

Thoughtful Thursday posts, Uncategorized

Thoughtful Thursday- March 2, 2023

My intention is to post a Thoughtful Thursday column each week and share some of the insights I have learned in the past week. Here are some of the things I’ve learned this week:

But Why: A Podcast for Curious Kids- Don’t swallow gum! And other things parents say

This was an interesting episode covering myths parents tell their kids. The most interesting issue addressed was that people say you must wait one hour after eating to go swimming. I have heard this throughout life, and I just learned that this is a myth! There is no harm in swimming right after eating. The worst that could happen as a result is that, if you swim vigorously right after eating a large meal, you might vomit. Most swimming is not done vigorously, so there’s no need to wait to get back in the water!

For You From Eve- Wellness Hacks and Mindset Shifts that Actually Work & Changed My Life

These wellness hacks helped the host change her life:

  • Stop distracting yourself with media. Let yourself feel your feelings and reflect.
  • Journal and write affirmations.
  • Take cold showers for breathwork/calming down. It doesn’t need to be a full cold shower; you can start with 1-2 minutes of cold water before adjusting the temperature.
  • Exercise!
  • Invest in skincare/makeup/hair.
  • Meal prep and purchase healthy foods.
  • Set limits for time spent on social media. List to podcasts instead.
  • Read self-help books.
  • Get 7-9 hours of sleep.
  • Take vitamins and supplements.
  • Meditate.

I do many of these things, and they have helped me change my life! Exercising, journaling and writing affirmations, starting a skincare routine, meal prepping and clean eating, reading self-help books, listening to podcasts, prioritizing sleep, and limiting social media have benefited me greatly.

I am currently reading “1000+ Little Things Happy Successful People Do Differently” written by Marc Chernoff. One thing that has stood out to me so far is:

Everyone gets upset and loses their temper sometimes. When you catch yourself passing judgment, add “just like me sometimes” to the end of a sentence. For example: That person is grouchy, just like me sometimes. She is being rude, just like me sometimes. Choose to let things go. Let others off the hook. Take the high road today.

Marc Chernoff
Sad to Savage- Things I Wish I Knew Sooner: Advice From Your Big Sister (Shelby Sacco)

Sad to Savage is one of my favorite podcasts and is mostly focused on habits. However, this episode contained so many things I needed to hear that are mostly unrelated to daily habits:

  • Being selfish is the most important thing you can do in your twenties. Do what’s best for you and be independent.
  • You are who you surround yourself with.
  • Growth is not linear. Life is a rollercoaster.
  • Quit the job you hate. If you need the income, spend a couple days or weeks updating your resume and applying to jobs. You spend a lot of time at work, so don’t tough it out in hopes that it will get better.
  • Find the fitness you like. If you’re miserable doing it, it’s not the correct fitness for you. You should not dread working out.
  • Cheating has nothing to do with you and has everything to do with someone else’s qualities.

If someone treats you badly due to addictions, you cannot control someone who does not want to change. You cannot make someone want a different life.

  • Do not leave your hardest tasks for the end of the day when you have less willpower. Be smart with your willpower. When you have formed daily habits, they don’t take willpower.
  • Invest in yourself and your future. You can educate yourself through reading.
  • Do not rely on motivation. The days you don’t feel like it are the days that matter most.

Not everyone is going to like you, and that’s okay. What people think of you is none of your business.

  • The red flags you choose to ignore won’t go away.
  • The words you say to yourself and about yourself make up how you see yourself, and they decide your actions, which ultimately decide your life.
  • You are never too good to apologize to someone.

No one is in charge of your happiness except for you. You need to find and do things that bring you happiness.

When having a conversation with someone, ask if they want advice or just want someone to listen. Same goes for when you are the one talking.

Your entire life can be completely different in one year if you choose to do the work.

Waking up early will give you the time you need to do the things that you currently don’t have time for.

Your habits make up your life. You have the power to choose/change/create your habits. Investing in yourself and your habits will be the best choice you will ever make.

Optimal Finance Daily- 9 Painless Ways to Trick Yourself Into Spending Less by Sarah Von Bargen
  • Unsubscribe from newsletters that tempt you.
  • Block yourself from websites where you spend too much.
  • Turn off your computer’s/phone’s autocomplete credit card option so that you have to be bothered to get up and retrieve your card every time.
  • Order online and do curbside pickup to prevent impulse purchases.
  • Eat something before you go shopping. Don’t go shopping while hungry.
  • Give yourself a three-day waiting period. If you forget all about it, you don’t need it. If you still find yourself thinking about it three days later, pull the trigger.
  • Put yourself on a cash-only budget. We are much slower to spend cash than use our credit cards, and cash is not an option when online shopping.
  • Put a reminder in your wallet. You could print a wallet-sized photo of something you’re saving for.
  • Unfollow social media accounts that tempt you to spend. Unfollow accounts that make you want to spend more to keep up, and fill your feed with those who provide value to you or who are in your tax bracket.

Personal tip: If you are concerned about unsubscribing to newsletters that tempt you, when you want to purchase something, look on milled.com and search for the company to view e-mails that have been sent to customers to look for discounts. You can also look up promo codes online for discounts.

I look forward to reading, learning, and sharing more with you soon!

Book review posts, Uncategorized

All About High Performance Habits

I recently read “High Performance Habits” written by Brendon Burchard, the world’s leading high performance coach and one of the most watched, quoted, and followed personal development trainers in history. I highly recommend this book!

The gist of this book is that, to become a high performer, you must seek clarity, generate energy, raise necessity, increase productivity, develop influence, and demonstrate courage.

Seek clarity on who you want to be, how you want to interact with others, what you want, and what will bring you the greatest meaning. As every project begins, ask yourself: “What kind of person do I want to be while I’m doing this? How should I treat others? What are my intentions and objectives? What can I focus on that will bring me a sense of connection and fulfillment? Consistently seek clarity.”

Generate energy so that you can maintain focus, effort, and well-being.

If you want to feel more energized, creative, and effective at work – and still leave work with enough oomph for the ‘life’ part, the ideal breakpoint is to stop your work and give your mind and body a break every 45-60 minutes.”

Brendon Burchard

Get up, walk around, and fill up your water.

If the demands of your job or life require you to learn fast, deal with stress, be alert, pay attention, remember important things, and keep a positive mood, then you must take exercise more seriously. If you care about your contribution to the world, you’ll care about yourself.”

Brendon Burchard

Raise necessity. For exceptional performance, know your whys – internal and external. Internal whys may include your identity, your standards, and your obsessions. External whys may include real deadlines, your social duty, and your sense of obligation and purpose. To raise necessity:

  • High necessity= “I feel a deep emotional drive and commitment to succeeding, and it consistently forces me to work hard, stay disciplined, and push myself.”
  • Know who needs your A game. With multiple priorities, consider “Who needs me on my A game the most right now?”
  • “Have I associated the important activities of my day with my identity and my sense of obligation?”

Only put off until tomorrow what you are willing to die having left undone.

Pablo Picasso

Increase productivity in your primary field of interest. Slow down, be more strategic, and say no more often. Take ownership of your day.

Develop influence with those around you. Develop a positive support network. People support what they create. Ask people what they want, how they’d like to work together, and what outcomes they care about.

To gain influence with others, teach them how to think about themselves, others, and the world; challenge them to develop their character, connections, and contributions; and role model the values you wish to see them embody. High performers have discovered that it is by connecting with others that they learn more about themselves and the world.

Find a group of people who challenge and inspire you, spend a lot of time with them, and it will change your life.

Amy Poehler

Demonstrate courage by expressing your ideas and taking action despite uncertainty. You are capable of remarkable things that you could never foretell and will never discover without taking action.” What leaps could you take now?

Passion + Growth + Contribution = Personal Satisfaction

Enthusiasm + Connection + Satisfaction + Coherence = Meaning

If you want to be a high performer, show up and bring the joy. High performers cultivate joy by how they think, what they focus on, and how they engage in and reflect on their days.

When people say “I can’t,” it usually means “I am unwilling to do the long-term training and conditioning necessary to achieve that.” Everything is trainable.

High performers are learners, and their belief that they can learn what is necessary to win in the future gives them as much confidence as their current skillsets.”

Brendon Burchard

Between each task in your day, remember this: *RELEASE TENSION, SET INTENTION*

Don’t bring tension to all future aspects of your day. How many times have we been guilty of having a rough morning and carrying it into all aspects of our day? Have you had a conversation or meeting that didn’t pan out the way you wanted it to and resulted in you carrying frustration or resentment toward those involved? Have you had a rough day at work and carried it into your relationships at home?

High performers have shaped their identity by conscious will and have aligned their thoughts, feelings, and behaviors to support that identity.

Brendon Burchard

Superior-minded people are certain they are better, more capable, and more deserving, and it’s that certainty that closes their minds to learning, connection with others, and growth. Stay humble. If you’re going to maintain high performance, you need to avoid the traps of superiority, dissatisfaction, and neglect.

I look forward to reading, learning, and sharing more with you soon!

Book review posts, Uncategorized

All About Atomic Habits + My Habits Journey

Year after year, I set lofty new year’s resolutions, such as going to the gym 6 times each week, even if I hadn’t been going regularly prior to January. I was often feeling disappointed and ashamed by March. In 2022, I decided to focus on forming daily habits and use a habit tracker (I used the habit tracker found in the Silk&Sonder monthly planners).

Each month, I tracked habits, reflected on which habits were no longer serving me, and sometimes added more habits to strive for. By the end of the year, I was focusing on several daily habits: taking my temperature at 5 a.m. every day for future fertility tracking purposes, reading 22+ minutes each day, listening to a podcast each day, playing brain cognition games on the Lumosity and Elevate apps each day, doing a 10-minute ab workout + 10 pushups each day, 22+ minutes walking/running each day, doing dishes before bed each day, writing in my One Line A Day journal each day, and completing my Silk&Sonder daily affirmation/writing prompt.

Honestly, it was a life-changing year, and although I wasn’t perfect every single month, I managed to complete some habits every single day of 2022: reading 22+ minutes each day, walking/running 22+ minutes each day, listening to a podcast each day, Silk&Sonder daily affirmations, doing dishes before bed each day, and writing in my One Line A Day journal each day. Here is a sample of my habit tracker:

I surprisingly didn’t read Atomic Habits by James Clear until November, and it was very educational and helpful! James Clear is an author and speaker focused on habits, decision-making, and continuous improvement. His website (www.jamesclear.com) receives millions of visitors each month, hundreds of thousands subscribe to his newsletter, and he speaks at Fortune 500 companies and is the creator of The Habits Academy.

Your habits can compound for or against you. Productivity compounds. Stress compounds. Knowledge compounds. Negative thoughts compound. Relationships compound. Outrage compounds.

Ultimately, it is your commitment to the PROCESS that will determine your PROGRESS. The process of building a habit can be divided into simple steps: cue, craving, response, and reward. The 4 laws of behavior change are: make it obvious, make it attractive, make it easy, and make it satisfying. One effective way to build a habit is to try habit stacking: after I (current habit), I will (new habit) OR get two things done at once.

Ex: listen to a podcast while driving/cooking/getting ready for the day/cleaning/working out.

Many people begin the process of changing their habits by focusing on WHAT they want to achieve, which leads to outcome-based habits. The alternative is to build identity-based habits, which focus on WHO we wish to become.

Ex: The goal is not to read a book; it is to become a reader. The goal is not to run a marathon; it is to become a runner.

Your behaviors are usually a reflection of your identity. What you do is an indication of the type of person you believe that you are – either consciously or unconsciously. You have the power to change your beliefs about yourself and change the identity you want to reinforce today with the habits you choose today. You become your habits.

Consider this: “Does the behavior help me become the type of person I wish to be? Does this habit cast a vote for or against my identity?”

The greatest threat to success is not failure but boredom. We get bored with habits because they stop delighting us. There will be days when you feel like quitting. Professionals stick to the schedule. Amateurs let life get in the way. Professionals know what is important to them and work toward it with purpose. Amateurs get pulled off course by the urgencies of life.

I have found habit tracking to be useful. It creates a visual cue that reminds me to act, it is motivating to see my progress, and I don’t want to break the streak. There were many days in 2022 that I didn’t feel like walking, reading, etc., but I knew that I had a perfect streak with those habits and did not want to ruin it.

I also periodically check in to see if my habits are still serving me and consider which habits to add. For example, one month, my goal was to get 10,000 steps each day. I achieved that goal, but after reflecting, I felt that I was so focused on achieving a random number and did not dedicate as much time or energy to other areas of my life, so I decided that habit was no longer serving me. Life is constantly changing, so you need to periodically check in to see if your old habits and beliefs are still serving you.

Your actions reveal how badly you want something. Actions establish priorities. Reward is on the other side of sacrifice. The secret to getting results is to never stop making improvements.

***If you want to learn more and are an auditory learner, I highly recommend the following podcast episodes:

I look forward to reading, learning, and sharing more with you soon!