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Where are you at with your 2023 New Year’s resolutions?   Are things going better than ever? Awesome!   But if you’re like the majority of people, your goals might be wavering or even worse, you might have completely abandoned them.   The good news is the year is still young. We have plenty of time to get back on track with our 2023 goals and in this episode, we’ll discuss 3 tips for doing just that.   Key Takeaways: Making your goals sustainable Opt-out versus opt-in method Why you should find an accountability partner    More of The Struggle is Real: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

19 cents. That’s how much in interest that my bank paid me in 2022.   I’m not sure if that makes me want to cry, yell, or laugh but those are none of the feelings that I want to have when it comes to calculating my annual bank interest.   The good news is, I don’t keep a ton of money in my savings account. Simply a couple thousand dollars that acts as an emergency fund.   But that comical calculation would make me furious if I had tens of thousands of dollars in my savings account.   The last few years have shown us the real impact of inflation. An item that cost $100 in 2020 cost roughly $115 today using the average cumulative rate of inflation.   What does that mean? Just to break even, you want your money keeping up at the same rate. 19 cents isn’t going to do that for me.   Luckily Jeremy Keil is here to give us some strategies on how we can make more interest from our savings.   We also talk about how much money you should have in your bank account, what are I bonds and how you can use them for short savings, and why, even as a young adult, you shouldn’t discount social security in your retirement plan.   Key Takeaways: Why are interest rates continuing to go up? How is inflation calculated? How much money should I have in my bank account? How to find the best bank account interest rates? Automate your bank savings rate using maxmyinterest.com What are I bonds and how to use them to get more interest out of your savings Where to buy I bonds What are treasury bonds? How to negotiate your interest rates with your current bank Why social security is going to be around for you when you get older How is social security calculated How to fix social security Ask better questions with motivational interviewing   Mentions: www.bankrate.com www.maxmyinterest.com www.treasurydirect.gov   More of Jeremy: www.retirement-revealed.com   More of Justin & The Struggle is Real: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

I hope you’ve taken the New Year as an opportunity to set priorities and state your goals. In today’s episode, we will discuss how to create systems in order to accomplish those goals.   My friend, David Ward from RunnersFI.com, is joining me in this conversation. From unhealthy and overweight to completing an ultra-marathon, David knows a thing or two about accomplishing the goals you set for yourself.   We will also discuss how to get started on your goal, when to use internal and external motivation, and escalating the meaning behind your goal with a concrete why.   Key Takeaways: How to get started on your goals It’s good to goal set but you need to create systems too External motivation helps with the tough times but internal motivation keeps progress Escalate your goal with a why   Mentions: Are You Setting Goals or Are You Developing Systems?: https://runnersfi.com/are-you-setting-goals-or-are-you-developing-systems/ Atomic Habits by James Clear Jesse Cramer on TSIR: www.tsirpodcast.com/75   More of David: www.runnersfi.com RunnersFI Facebook group: https://www.facebook.com/groups/472890344715095   More of The Struggle is Real: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

I remember being so furious with my dad because I felt like I was the only 16-year-old in my friend group that paid for their own car insurance.    Looking back now, I really appreciate him making me handle my financial responsibilities early on. Don’t get me wrong I still take advantage of my parents picking up the tab at dinner or paying for the hotel on a family vacation but I pay my own bills and it makes me feel so empowered being financially independent.   This was the first step toward my parents seeing me as financially mature.   Maybe you’re someone who’s been taking care of yourself since you were a teenager or you might feel guilty that your parents are still financially supporting you.   I’m here to tell you there is nothing wrong with being a young adult and getting support from your parents. Life is expensive and I don’t think it's a smart idea to rack up credit card debt to try to prove that you can pay for your own things.   Although the financial support might be nice, I know you want to be seen as mature enough to make your own money and handle it appropriately.   That’s what this conversation is about today. How do I move towards this goal without making a huge mistake? How do I gain trust from my parents?   My friend Clifton Corbin is going to share some advice as he’s gone through this journey himself. After making a mess of his finances in his early 20s by racking up debt and destroying his credit, his parents lost faith in him. Luckily, he turned things around and eventually earned back trust with his parents.   If you’re looking for what you should do and what shouldn’t in your own journey, this is a great place to start. We also talk about how to stop trading your time for money, how to know when you’re ready for kids, and how to maintain your identity whenever you become a parent.   If you’re a listener of the show and haven’t left us a rating and review, we’d really appreciate it if you did. And if you’re new, welcome, sit back, relax, and let’s learn something new.   I hope you enjoy my conversation with the basement DJ, PTA Chair, and Author of Your Kids, Their Money…Clifton Corbin.   Key Takeaways: How to stop trading time for money How money scripts affect your risk tolerance What to do when you find yourself in credit card debt How to cut the financial umbilical cord How to know when you’re ready for kids How to maintain your identity whenever you become a parent Good parenting principles   Mentions: Mason Burchette on TSIR: www.tsirpodcast.com/71   More of Clifton: The Richest Man In Babylon by George Clason, Edited by Clifton Corbin: https://www.amazon.com/Richest-Man-Babylon-Illustrated-Revised/dp/1777869544 Your Kids, Their Money by Clifton Corbin: https://books2read.com/YourKidsTheirMoney Website: www.cliftoncorbin.com   More of Justin & The Struggle is Real: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

It was fall of 2019 and I was absolutely lost with my career. 3 months prior, I had just left a longtime employer to try something else.   Here I was in this new job with a fancy title and absolutely hating it. The problem was, I wasn’t sure what to do about it.   Of course, I knew this role wasn’t a long term fit for me, but I wasn’t actually sure what was. I figured staying put was my best option until I figured things out but the unhappiness and anxiety around this role was clouding any sensible judgment for what my immediate future should be.   Then I made my best career decision, I decided to take some time off.   From January 2020 to August 2020, I created a sabbatical for myself. This break created distance from my career and that distance is what actually helped me gain clarity on my future career path.   I’m not saying I have everything figured out now but I have such a healthier relationship with my career and I used that time off to do something that brings me so much joy now….I created a podcast.   My good friend Krista Edwards had a similar experience. She needed a shakeup and turned to a career break as well. She spent 5.5 months hiking the Pacific Crest Trail, a long-distance thru hike which spans 2,650 miles.   We are both going to share stories from experience and transformation and discuss why a career break might be the exact thing you need right now.   If you’re a listener of the show and haven’t left us a rating and review, we’d really appreciate it if you did. And if you’re new, welcome, sit back, relax, and let’s learn something new.   I hope you enjoy my conversation…the Queen of Roth IRAs and the monster athlete herself…Krista Edwards   Key Takeaways: Appreciate where you are because everything is temporary Being able to let go as an overachiever Invest in your lifestyle not just your career How to become comfortable taking time off from your career When it might be a good time to take a career break Why the Roth IRA is the perfect retirement account for low to middle income How to access money in your Roth IRA without getting taxed or penalized   Mentions: I Will Teach You to Be Rich by Ramit Sethi Sean Mullaney: www.tsirpodcast.com/39 and www.tsirpodcast.com/40   More of Krista: Ready to Roth TikTok Ready to Roth Instagram Ready to Roth Podcast on Apple and Spotify www.readytoroth.com   More of Justin & The Struggle is Real: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

Hi, I'm Justin Peters. I'm the host of The Struggles Real, a podcast focused on adulting advice for young professionals. You know, those moments where you think, I wish I would've learned this in school. Those are the topics that we love to talk about. Join me each week as I interview experts sharing their strategies for solving problems that us young adults will face throughout our twenties and thirties. Some of the experts you'll hear from include a former top 20 poker player, a corporate executive turned Tik-Toker, and a friendship and connection coach. You'll find we enjoy bouncing around between a myriad of subjects, but my favorite categories are personal finance, interpersonal relationships, career advice, and healthy living tips. If you need a recommendation on which episode to start with, check out one of our fan favorites, like episode 41, an inspiring story of the former inmate, Nate Dukes, who completely re-corrected his life. If you're looking for financial literacy, try episode 75 with Jesse Cramer titled, Is Investing Still a Smart Choice? Or, if you're looking to jump straight into the deep end, listen to our spicy conversation in episode 63 with sex expert Susan Bratton. So, what are you waiting for? Go give an episode a listen, and if you want new episodes about adulting advice every Monday, hit that follow button.

Today’s episode is an exciting conversation with Chris Sparks, a retired professional poker player although I think he uses the term retired fairly loosely. I’ll settle somewhere in the middle and call him a well-paid hobbyist.   Chris has played over 2 million hands of poker across thousands of tournaments including main events tournaments like World Series of Poker, World Poker Tour, and the European, Asian-Pacific, and Latin American Poker Tour.   During his hay days, he had a fast and furious climb that eventually led him to being ranked in the top 20 online cash game players in the world.   In our conversation, Chris shares stories about his growth as a poker player. He’ll also teach us the meta-skills of high stakes poker that can be extrapolated and applied to our own life.   By listening to this episode, you’ll learn how to recognize a good bet, how to take action with incomplete information, and the benefits of focusing on the process versus being results-oriented.   If you’re a listener of the show and haven’t left us a rating and review, we’d really appreciate it if you did. And if you’re new, welcome, sit back, relax, and let’s learn something new.   I hope you enjoy my conversation with the man who started playing poker in college for fun but eventually used it to pay for his tuition…Chris Sparks.   Key Takeaways: Why Chris tried standup comedy How Chris uses retirement in order to reprioritize what he currently wants his life to look like How you can turn bad luck into good fortune  The “Poker House” How to use a forcing function to accomplish your goal How to take action without complete information Emotions have to be a part of the decision-making process Skill acquisition is a long game so be kind to yourself, have fun, and stay curious   Mentions: Expected Value Calculator: www.forcingfunction.com/evc Play to Win Article: https://www.forcingfunction.com/articles/play-to-win Experiment Without Limits Workbook: https://www.forcingfunction.com/workbook Performance Assessment: https://www.forcingfunction.com/assessment Team Performance Training: https://www.forcingfunction.com/team-training   More of Chris: www.forcingfunction.com   More of TSIR: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

I did not know how beneficial fiber was prior to this conversation and I wouldn’t even have been able to tell you fiber was only found in plants.   I’m excited about this episode though. I had a blast researching and preparing for this conversation.   It has been a while since I’ve dug deep into a health-focused subject. Our last was with Dr. Jennifer Reid in August when we talked about sleep, and looking at the numbers, I know you are interested in health topics.   Joining me today on the podcast today are the Co-Founders of Florasophy, an organic soluble fiber supplement.   Megan Barnett and Lee Carson created this company after Megan stumbled across the incredible benefits of soluble fiber and began using it in her functional medicine clinic.   Megan and Lee both believe in a science-based approach to alleviating health issues and focusing on preventive health in order to stay out of the medical system.   Getting adequate daily fiber, particularly soluble fiber, is an easy step someone can take.   If you want to know all the benefits of fiber and what foods you can eat to get to a suitable level, you’re in the right place. We’ll be discussing that plus other health related topics like Megan’s opinion on intermittent fasting and an explanation on what the heck microbiome is.   Key Takeaways: How Lee’s experience with her mom motivated her to stay out of the western medical system and focus on preventive health Why Megan went from “Busch-drinking, cigarette smoking” general contractor to a dietician What is microbiome and gut health? Adding weight training to your weekly routine for a balanced, preventive exercise program What is fiber and why is it beneficial for our health? Using fiber to help with imbalanced hormones How much fiber should you be eating and what should I eat? Who might benefit from intermittent fasting…and who wouldn’t? When should you supplement?   Mentions: Karen Hurd (The Bean Queen)   More of Megan and Lee: https://thinkflorasophy.com/ (discount code is TheStruggleIsReal20)   More of TSIR: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

If you’re paying attention to your portfolio right now, you know the stock market has been on a nosedive, and if you’re anything like me, this market drop has you feeling discouraged.   I continue doing all the right things. I maxed out my IRA, I’m dollar cost averaging through my 401K, and even investing my net earnings in my brokerage account.   All of this yet I’m still seeing my networth go backwards. I’m beginning to question if investing my money is still the right thing to do.   Well luckily my friend Jesse Cramer is here to talk me off the ledge. It could be investing for your future or changing your career path to align with your passion. Jesse reminded me that the right choice doesn't always create short-term success but over the long-run, it will.   Aside from being my personal therapist, Jesse has had a ton of success in creating his personal finance blog, The Best Interest. His writing has also been featured in CNBC, MSN, the Motley Fool, Yahoo Finance, and more.   Jesse started The Best Interest blog in 2018 when he was working as an engineer but over the last year, realizing how much passion he had for personal finance, he made a career pivot and now works for a wealth management firm.   If you are considering changing careers to align more with your passion, this will be a great episode to listen to. Jesse shares his thought process behind his decision even though it meant taking a pay cut (for now).   We get into a lot of money conversation as well including the financial order of operations, investing in the market vs investing in yourself, and a useful thought process called the success to stress ratio. From my “lost and confused” to my senior investors, this episode has something for everyone.   Key Takeaways: - How Jesse went from being lost with finances to a personal finance blogger - Why Jesse took a pay cut to switch careers - Why making the right choice now will lead to success in the long-run even if in the short-term it doesn’t pay off - Using the financial order of operation to get started investing - Should I invest or pay off debt first? What about investing in a business? - How to get started budgeting - Success to stress ratio - What Dave Ramsey got right about credit cards (absolute rules) - Merging money with your significant other   Mentions: Joel O’Leary on TSIR (Apple Podcasts or Spotify) Darren Chait on TSIR (Apple Podcasts or Spotify)   More of Jesse: Blog: https://bestinterest.blog/ Twitter: @BestInterest_JC Money Mastermind: 30 Authors, 100+ Topics, One Essential Personal Finance Book   More of TSIR: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

The amazing Brian Bogert is joining me on the podcast today.   At 7 years old, his life transformed in a blink of an eye after he was in a vehicle accident that his left arm was detached. Instead of dwelling in the suffering, he fully recovered with a reattached arm thanks to his persistent and proactive focus.   Today, Brian is a lot of things: entrepreneur, coach, speaker, business strategist, author, and philanthropist. But he would say his two most important titles are husband and father.   It took chasing traditional success for him to realize this though. At 27, Brian had it all on paper after he helped grow a risk management firm from $250,000 to over $15,000,000.   He had an abundance of money, a nice house, and a cool car but after being absent from the first 6 months of his baby’s life, he put an end to chasing traditional success. He stopped the era of “what” to begin the era of “who.” The people in his life now became his focus.   You’ll have many takeaways from this episode including understanding the critical questions in your life, how to focus less on what and more on who, and how to embrace pain to avoid suffering.   We also get into a really interesting discussion about anger near the end of the conversation.   Key Takeaways: - Be where your feet are. Developing awareness and intentionality. - Giving feedback and hearing their questions - Brian’s life transforming truck accident and how that shaped him moving forward - Dealing with anger   Mentions: www.Nolimitsprelude.com   More of Brian: https://brianbogert.com/   More of TSIR: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

As much as I’d want to work on The Struggle is Real full-time, I do have a day job.   I could gripe about my 9-5 but I actually really enjoy my job at MMA. I like who I work with, who I work for, and what I work on. It also creates really cool opportunities like the one you’re going to hear today.   A colleague who leads an internal learning and development initiative called MMATalks asked if I wanted to present at their monthly webinar series. MMATalks sits at the crossroads of personal development, professional skills, and DE&I awareness.   Of course I was in, and at first, I figured I’d cover a professional skill like networking or email management but instead, I decided to merge my two lives together and do what I do best, host a conversation.   I asked two former podcast guests to join me, Ahmad Jabbir (E61) and Nate Dukes (E41). I was grateful they said yes. Our goal for this talk was to illustrate Ahmad and Nate’s life experiences that lead to judgment from others (and themselves) and how they built back confidence.   You’ll hear about how childhood teasing led to Ahmad’s struggle with confidence, how Nate found himself in a Tennessee jail after a string of bad decisions, and how they both overcame external judgment and turned their lives around.   Show Notes: [5:55] Why Ahmad wanted to meet 100 strangers [9:49] Saying yes [15:21] From successful business owner to handcuffed in the back of a cop car [25:02] Breaking the thought that he was stupid by reading 100 books  [28:03] Two types of people you need in your life [31:56] Strangers are kinder than I thought [37:35] Walgreens encounter [41:12] How you don’t let external judgment affect you [44:06] Why it isn’t worth revisiting your haters   Mentions: Listen to Ahmad Jabbir on The Struggle is Real: Spotify: https://open.spotify.com/episode/6b70qMksxQucIforKcPu7R Apple Podcasts: https://podcasts.apple.com/us/podcast/tedx-speaker-on-betting-on-yourself-seeking-discomfort/id1496701179?i=1000558592368 Listen to Nate Dukes on The Struggle is Real: Spotify: https://open.spotify.com/episode/2F1MOGXYJb3svZyW8uX3qT Apple Podcasts: https://podcasts.apple.com/us/podcast/former-inmate-on-believing-in-yourself-creating-your/id1496701179?i=1000532168048 Ahmad Jabbir’s TedTalk: https://www.youtube.com/watch?v=xHw30Rdplaw&t=366s   More of Ahmad: LinkedIn: https://www.linkedin.com/in/ahmadjabbir/   More of Nate: www.YoullNeverChange.com   More of TSIR: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

I did not anticipate one of the biggest struggles in my 20s would be making friends. It was so easy in high school and college when I was surrounded by people.   Although I have been lonely at times, I rarely spoke about it. I guess I had shame around feeling lonely but that line of thinking is changing for me.   It initially started when I was preparing for episode 49 with Michael Bauman where we discussed loneliness. That opened up my eyes to the fact that more people are lonely than I thought.   Then when preparing for this episode, Jewel Hohman, today’s guest, shared a New York Post article with me that surfaced many surprising findings including survey results from adults affirming that 45% of them find it difficult to make a new friend. It also mentioned confidence in making friends peaked at the age of 23.   Survey results aside, when talking to others, I found I am not alone. Many adults find it hard to make friends. I’m excited to finally tackle this topic on The Struggle is Real.   Jewel Hohman is a friendship expert. Through her work, she helps people stop overthinking their relationships and feel confident being themselves so that they can create the deep friendships they have been craving.   In this episode, we discuss 3 things every friendship needs, where to meet new people, and how to stop being awkward in conversation. I hope a blend of practical advice and emotional reassurance motivates you to get out there and give making friends another try.   If you like this episode, share it with a friend, leave a rating and review, and if you don’t want to miss the next episode, hit the follow button.   Show Notes: [1:57] Why is making friends harder as we get older? [6:03] How Jewel struggled making friends [11:17] Same sex friendship [20:31] Avoiding awkwardness and overcoming your shyness when talking to someone [26:02] The problem with judging other people [27:45] Your thoughts are not facts [32:03] 3 things every friendship needs   Mentions: The Damaging Consequences of Loneliness and What You Can Do About It l E49 Michael Bauman on Spotify or Apple Podcasts Why the average American hasn’t made a new friend in 5 years (New York Post)   More of Jewel: Instagram Website   More of TSIR: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

I feel like I always gravitate towards stories about taking a chance. Ahmad Jabbir’s story about how he went above and beyond during his job interview comes to mind.   I really enjoy them and these stories provide a much needed reminder. As I get older, I feel like I’m making more conservative choices. If that is true or not, objectively I’m not sure I could say. I think it is important to try things that might include risk, assuming it has positive upside and you’ve considered how you can minimize the negative.   I invited my friend Mason Burchette back on the podcast. He first appeared on The Struggles is Real on episode 30 where we discussed some of his best advice from his book, How to Make Sure You Never Get Promoted: An Antithetical Guide to Succeeding in Your Career.   Aside from wanting an excuse to catch up, I invited Mason back on the show because he’s made a life changing decision. He left his role as a Director of Marketing and Development to start his own business.   Knowing Mason has a similar risk tolerance as me, I wanted to understand how he came to this decision. We also talk about legacy, business principles, and why Chick-fil-A isn’t a chicken company but actually a leadership development academy.   Show Notes: [2:31] Going from employee to entrepreneur [5:55] Building a legacy for future generations [8:44] Evaluating risk on the value you can gain, not what you can lose [12:43] Why Chick-fil-A isn’t a chicken company but actually a leadership development academy [16:09] How to leave your job gracefully [21:53] How to avoid living paycheck to paycheck by delaying gratification [39:43] Balance business with family   Mentions: 26 Year Old Director Shares Advice on How to Quickly Rise Through the Ranks I E30 - Mason Burchette (Apple Podcasts or Spotify) How to Make Sure You Never Get Promoted: An Antithetical Guide To Succeeding in Your Career by Mason Burchette How to Always Live Paycheck to Paycheck: An Antithetical Guide to Fixing Your Finances Financial Peace for the Next Generation by Dave Ramsey The Richest Man In Babylon by George S. Clason   More of Mason: The Crush It Team website Mason Burchette's personal website   More of TSIR: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

Going into college, Grace was pre-med and planning on becoming a doctor. She found out through taking classes and trying internships, that this wasn’t the right path for her. Instead her twisted journey led her to therapy.   Although this wasn’t her plan going into college, Grace shares that looking back now, she’s really appreciated the unclear route. What’s the fun in having an obvious and predictable plan? But I get it, no one likes feeling lost either.   Now as a therapist, Grace supports her clients as they navigate their own ups and downs of life.   She has transitioned from solo therapist to building her practice, Grace Therapy & Wellness, and if you are a Texas resident, I recommend checking her out.   By listening to this episode, you’ll learn how to use value cards to uncover what’s important to you, how to listen to your nervous system, and what happens when you ask better questions.   Show Notes: [2:23] Developing communication skills as a therapist [9:58] Grace’s story to finding therapy [19:11] What’s it like being in your 30s [25:18] Life transitions and finding your path in your 20s [28:24] Using value cards to uncover what’s important to you [38:25] Polyvagal theory and the nervous system   Mentions: Larry Hagner (E56) on The Struggle is Real - Apple Podcasts or Spotify   More of Grace: www.GraceTherapyAustin.com   More of TSIR: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

Rose Lounsbury is a simplicity coach, speaker, and author of the book, Less: Minimalism, For Real.   Rose’s minimalist journey started with being an overwhelmed mom, and I really mean overwhelmed. She is the mom of triplets.   She’d come home from work, start her second shift of being a mom, and finally get her 3 2-year-olds to bed just in time to spend her last waking hour cleaning up the mess from the day. Rose was tired of this but didn’t know what to do until a friend mentioned minimalism.   She immediately resonated with the lifestyle and spent the next year purging 70% of her possessions.  Rose found this lifestyle so impactful that she began applying simplification into other areas of her life such as money and her career.   Now, Rose helps overwhelmed people create open spaces in their homes, workspaces, and most importantly, their minds, by letting go of the excess stuff that gets in the way.   We talked extensively about how the concept of simplifying can be applied to different areas of your life. We also start the conversation discussing overachievement and the negative impact associated with defining yourself by how much you have gotten done.   Show Notes: [2:23] Betting a haircut on a accomplishing a goal [9:33] Rose’s struggle with overachievement and what she did about it [24:14] How triplets lead to home organizing [30:26] Getting exposed to minimalism  [33:01] Rose’s hardest step: letting go of her teaching supplies [42:03] Minimalism vs simplicity [47:17] How using a budget simplified her finances   Mentions: E33 - Lucy Milligan Wahl   More of Rose: Less: Minimalism, For Real by Rose Lounsbury Website   More of TSIR: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

There is nothing better than waking up in the morning feeling refreshed and energized. I love a good night’s sleep. On the flip side, if I didn’t get enough quality sleep, I might as well just take the L and call it a personal day.   As soon as I learned this about myself, I became attune to good sleep habits. I have no idea how I survived through college with an inconsistent sleep schedule, late night drinking, and early morning call times. I never looked at sleep as a critical aspect of my health like I did exercise and food.   If you take your sleep seriously like me, or are interested in improving in this area of health, you are going to love this conversation today.   Dr. Jennifer Reid is a board-certified psychiatrist who focuses on insomnia and anxiety. She is also an award-winning medical educator, regular contributor to Psychology Today with her blog, Think Like a Shrink, and the Host of the podcast, The Reflective Doc.   Jennifer really impressed me with her extensive knowledge of sleep. We cover a ton of great topics including marijuana and sleep, social jetlag, and her thoughts on sleep tracking wearables.    We also conclude the episode discussing anxiety. Dr. Reid gives really great actionable advice on reframing “what if” claims to “if then” statements.   Show Notes: [2:08] Data around cannabis and what Jennifer learned [9:50] Why is sleep important [16:49] Chronotypes and how sleep shifts throughout your life [22:14] Social jetlag [25:04] Sleep hygiene tips and alcohol use [30:16] Caffeine and sleep drive [34:44] Managing jet lag when traveling [36:39] Jennifer’s thoughts on wearables [40:19] The Anxious Mind and changing what if to if then   Mentions: The Growth Mindset by Carol Dweck   More of Jennifer:  Website   More of TSIR: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

I try not to dwell on many regrets in life but one opportunity I wish I would have taken advantage of was my university’s study abroad program. I went on my first international trip outside of North America in 2015, the week following my college graduation.   I knew I was going to have fun and I was excited to explore Europe but I didn’t realize how much it would change my perspective on life.   I’ve been prioritizing traveling ever since then and it’s one of the few universal suggestions I encourage other people to try. One person who needs no encouragement is today’s guest, Sydney Summerlin.   From a young age, you could find her traveling the globe. At first, Sydney’s mom accompanied her on most of these trips. Now, she does a lot of traveling solo or with her twin sister.   One of the most impressive characteristics of Sydney is her emotional intelligence. Her open-mindedness, empathy, and curiosity are obvious. I’m guessing all of her traveling helped refine these qualities.   In this episode, we’ll be talking about traveling along with Sydney’s quest into healthcare where she is planning on working in pediatric oncology.   Show Notes: [2:14] Why everyone should consider traveling [11:07] What did Sydney learn from other international healthcare systems [32:05] Learning to listen and empathize [39:17] Staying positive while applying to med school   More of Sydney: Instagram: @syd_with_a_y   More of TSIR: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

I never realized how much of an impact my manager could have on my job satisfaction until I’ve had both the good and the lousy. Experiencing both has assured me one thing, I want to become an exceptional leader.   To continue learning, I consume a lot of leadership content. One of my favorite creators I come across is Makeda Andrews. I really liked her straight-forwardness, relatable advice, and of course, all of the bright colors.   I was actually surprised to find out Makeda started her professional career not having any interest in managing a team one day.   But that script didn’t last long. 6-months into the job, Makeda was approached by the President of the company and offered an opportunity to manage a team. With a little reluctance, she accepted the position.   Makeda eventually led her department to becoming a strategic division of the company. Makeda is now a leadership coach where she works specifically with first time managers to become confident, competent and effective leaders.   I know so many of you are currently moving into or towards leadership positions in your company right now. Makeda shares a lot of tangible advice like how to deal with an underperforming employee, how to guide team members to solve problems, and when to speak in outcome versus activity.   Show Notes: [3:52] The responsibility that comes with being a leader [13:02] Makeda’s leadership journey [15:52] The mentor Makeda needed to build her confidence [24:04] Guiding team members to solve problems [28:22] Becoming an awesome-sauce manager [32:13] How Makeda got into leadership coaching [36:04] Speaking in outcome vs activity [40:16] Using the ACAC model for underperforming employees   More of Makeda: www.makedaandrews.com Makeda Andrews on YouTube   More of TSIR: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

I have something different for you today. This is a replay from my good friend Andrew Biernat’s show: Your Personal Growth, Personal Brand Podcast.   Andrew asked me a lot of great questions about The Struggle is Real including how the show got started, how I go about selecting topics and guests, and the one person who really influences my conversations.   Of course, it is hard for me to take my podcaster hat off. I turned the tables and asked Andrew a few questions as well. One thread in particular is a story about the dark side of personal growth.   We also conclude with a great conversation about some of our career missteps and how we’ve both used our podcasts to explore business adventures.   Show Notes: [1:09] How The Struggle is Real (TSIR) got started [3:49] Interesting guests on TSIR recently and how we select topics [7:12] The dark side of personal growth [13:27] The journey of building TSIR [19:34] Using TSIR as my personal development plan [30:23] The 1 person that influences TSIR the most [33.:56] How Justin and Andrew’s business adventures lead to career relief   Mentions: Tools of Titan by Tim Ferriss Tribe of Mentors by Tim Ferris Atomic Habits by James Clear   More of Andrew: Your Personal Growth, Personal Brand Podcast   More of TSIR: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/

You all know I’m a sucker for a good early retirement story. Jackie Cummings Koski retired at 49 years old and now spends her time creating a financially literate society.   Retiring in your 40s is impressive in itself but Jackie did this with no head start. She grew up in poverty with her dad and 5 siblings. She barely graduated college with passing grades because she had to work full-time. Then Jackie went on to raise her daughter as a single mom after an early divorce.   Does that sound like a candidate for early retirement? I don’t think so but Jackie made it happen through a lot of self-education and hustle.   Speaking of education, Jackie became quite the expert in healthcare and in this episode, Jackie shares a lot of methodologies for cutting your healthcare costs.   Of course Jackie is a huge advocate for my favorite tax-advantage account: the HSA. I have never seen a health savings account as well-funded as Jackie’s. Last we spoke, her HSA had over $150,000 in it..   Show Notes: [1:43] Jackie’s story from poverty to financial independence [19:40] How Jackie retired by 49 year olds without ever making a 6-figure salary [22:57] Is an HSA right for you? [32:06] How Jackie grew her HSA to $150,000 [39:14] Tips for cutting healthcare costs   Mentions: Why You Should Consider Having a Health Savings Account (HSA) | E40 Sean Mullaney CostPlus Drugs (Mark Cuban's pharmacy company) goodrx.com   More of Jackie: Jackie’s Linktr.ee VisuallyAmber.com   More of TSIR: Find show notes and more at https://www.tsirpodcast.com/ Follow us on Instagram at https://www.instagram.com/tsirpod/