Episode 37: Paying off $225,000 of student loan debt to fuel big adventures with Matt Miner


In this episode of the On Adventure Podcast, I sit down with my friend and former colleague, Matt Miner, to talk about his unique take on adventure. From growing up in Seattle and Tucson to now running his own wealth management firm, Matt shares the pivotal moments that shaped his life and career.

We explore what it means to embrace life’s challenges, how intentional planning creates opportunities, and why staying true to your values makes all the difference. Whether it’s his love for the outdoors, paying off substantial debt, or helping his kids prepare for adulthood, Matt’s story is full of practical wisdom and honest reflections.

If you’ve ever wondered how to navigate big life transitions while staying grounded, this conversation is for you.

Timeline Summary

[00:00] Introduction – Welcoming Matt Miner and a look at his journey.
[02:00] Roots and Resilience – Growing up in Seattle, moving to Tucson, and finding adventure outdoors.
[06:30] Career Transitions – From corporate roles to entrepreneurship: lessons learned.
[12:00] Debt-Free Milestone – How Matt’s family paid off $225,000 in debt and moved forward.
[19:00] The Outdoors Connection – Hunting, backpacking, and building community.
[26:15] Journaling for Growth – Using writing to reflect and move forward.
[33:45] Family Legacy – Preparing the next generation with life skills and values.
[36:00] Key Takeaways – The power of knowing your values and making intentional choices.

Links & Resources

Closing Remarks

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Election Day Reflections

I sent this letter out initially in the midst of Election Day.  There obviously was a lot of energy in the air. Anticipation runs high, and the headlines were filled with speculation on what the choices mean for the markets. But here’s the perspective we can hold: while political outcomes may feel momentous, they rarely dictate the path of long-term investments.

Here are some helpful reminders as we continue to move through this election cycle:

Election outcomes and stock market outcomes are not correlated.

Election results and market returns are often far less connected than the news might suggest. For example, research by Fidelity has shown that, over time, the S&P 500 has performed comparably under both Democratic and Republican administrations—regardless of who held Congress. Since 1976, every market sector has had periods of growth during both Democratic and Republican terms. Across election cycles since 1976, each sector has performed well at times, regardless of which party holds the White House.  The markets, it seems, march to a rhythm of their own.

Cause and effect in the markets is rarely direct.

During election seasons, it’s tempting to act on predictions about how new socioeconomic policies might influence the markets. However, even the most astute commentators cannot reliably forecast market reactions to political shifts. Financial writer for Forbes John Jennings compares this to scientists who understand why volcanoes occur but cannot predict each eruption. In markets, just as in nature, the ability to explain an event is different from the ability to foresee it.

Elections come and go; your investments have a much longer time horizon.

We may vote for a president every four years, but your portfolio is designed to endure and grow over decades. Data spanning nearly a century, illustrated by Dimensional Fund Advisors, shows that U.S. equities have consistently trended upward, no matter which party was in power. Staying the course remains the most effective path forward for reaching your long-term goals.

So as the election buzz fills the air, know that your investments are positioned for resilience. Let’s keep our sights on the horizon, with our long-term objectives leading the way.

Steady onward.

 

Episode 36: Beyond the Pain Cave – Lessons from Ultra Adventures with Scott Hanson


In the latest episode of the On Adventure Podcast, I sit down with Scott Hanson, a true veteran of endurance challenges and an influential figure in the financial industry. Scott’s story is one of resilience, determination, and finding purpose through pushing physical and mental boundaries. Our conversation explores Scott’s journey from casual running to completing the grueling Western States 100—a 100-mile ultramarathon with 19,000 feet of elevation gain—and how that experience, among others, shaped his approach to life and business. We also dive into his memorable adventure up Mount Fuji, where cultural and personal growth merged in an unforgettable climb.

Join us as Scott shares the highs and lows of his adventures, from overcoming pain and doubt during ultramarathons to the life lessons he’s applied from these challenges to his professional and personal life.

Episode Highlights:

[00:00] Introduction – Meeting Scott Hanson

[02:08] Scott’s Journey Begins – From reluctant high school runner to becoming captivated by endurance sports.

[06:22] Training and Competing – Navigating family, work, and training routines with morning runs and long days on the trail.

[20:00] The Western States 100 Experience – The mental and physical battles of one of the world’s toughest races.

[23:48] Lessons Learned – How pushing through “the pain cave” taught Scott resilience and mental fortitude that extend beyond sport.

[27:27] Reflecting on Challenges – Applying adventure-driven tenacity to everyday life and professional challenges.

[39:00] Mount Fuji – A cultural and physical journey with friends and family, complete with lessons in humility and awe.

[48:35] The Future of Adventure – Scott’s plans and reflections on maintaining an adventurous spirit as life evolves.

Links & Resources:

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Thanksgiving Reflections: Finding Financial Peace, Presence, and Genuine Joy in the Season

Thanksgiving marks a pause for many of us in the whirlwind of daily life. I love it for that.  For a few days, we gather with family and friends, enjoying good food, laughter, and conversation. Yet, the season can be bittersweet—a time of reflection and celebration that’s often overshadowed by the stress of holiday expenses and the pressures of hosting or attending gatherings or other family dynamics that are just hard to put a finger on. As we enter this Thanksgiving season, maybe we consider a different approach: focusing on financial stability, being fully present with our loved ones, and finding genuine enjoyment rather than just getting through it.  Yeah, I know, you’ve heard this before, but hear me out.

Cultivating Financial Stability…it’s not about the money

Financial stability isn’t about extravagance; it’s about having peace of mind and the freedom to make choices aligned with our values. For many, holidays add a financial strain, but it doesn’t have to.  Trust me, this is the part of the article where I’m talking to myself, so feel free to listen in.

Financial stability begins in the mind. It’s about adopting a mindset that values contentment over accumulation, embracing a sense of “enough” rather than striving for more. This mindset allows us to approach the holidays with gratitude for what we have rather than stressing about what we lack. Thanksgiving invites us to step back and see our resources—time, energy, and money—as tools to be used intentionally, not indicators of success or happiness. When we feel secure in what we have, we’re less tempted by the holiday urge to overspend or overextend.

The Power of (Being) the Present

With today’s technology, it’s easy to be physically present with family while mentally absent—our thoughts divided between notifications, emails, and to-do lists. I truly believe that there is no such thing as multi-tasking…our brains are hardwired in this way.  So, if you’re staring at your phone, you’re not present with those around you.  One of the most profound gifts we can give during Thanksgiving is the full presence of our attention. Choosing to leave phones in another room, engage in conversation, and listen to each family member’s story without distraction can transform our gatherings. These moments don’t require perfection in family dynamics; they only need our open ears and a willingness to embrace others as they are. 

Being fully present also applies to ourselves. Instead of rushing to fit every seasonal obligation, we can consciously slow down, taking time to recharge. Whether it’s a quiet morning walk, reading a book, or simply breathing deeply before a meal, these moments allow us to enjoy Thanksgiving with gratitude and grace rather than as an item on a checklist.

Enjoying, Not Enduring, the Season

Many people experience the holidays as something to endure rather than enjoy—a time of fulfilling social expectations or family obligations. However, true enjoyment comes from engaging with the season in a way that’s meaningful to us personally. For some, this might mean traditional festivities; for others, it might look like an intimate gathering or even a quiet Thanksgiving hike. The key is to spend the day in a way that brings joy and connection, free from imposed expectations.

Setting boundaries on how we celebrate doesn’t diminish the holiday’s value—it enhances it. When we choose celebrations that align with who we are, we foster genuine gratitude. If that means opting for a small dinner, skipping crowded stores, or using Thanksgiving to volunteer instead, so be it. Our traditions should reflect what brings us joy, not what we feel pressured to maintain.

Thanksgiving is a time to reflect on abundance—of love, health, relationships, and even the lessons learned through challenges. I want us all to pursue our Great Life right now, and this holiday season is a great opportunity to pursue it with the people that we care most about.  This season, let’s make it less about stretching our resources thin and more about stretching our capacity for gratitude. Embrace simplicity, give the gift of presence, and choose joy over obligation. In doing so, Thanksgiving becomes more than a holiday; it becomes a practice in contentment, reminding us that true wealth is measured by the richness of our experiences and the depth of our connections. 

Thanks for listening without judgment to my inner dialogue.

 

Episode 35: Building Perserverance Through Hardship, Competition and Adventure with Owen Hayden


Join me for a cool conversation with Owen Hayden, a high-energy adventurer, corporate achiever, and former athlete who’s mastered the art of resilience. Owen shares his journey from a high-level sports career to navigating the challenges of the corporate world, all while staying connected to his passion for adventure. We discuss what it takes to push through adversity, the lessons he learned from sports, and his pursuit of grit as a defining trait both on and off the field. Plus, you’ll hear about Owen’s commitment to exploring the world—from Glacier National Park with his young family to Ironman races and rodeos. If you’ve ever been curious about finding purpose and adventure in everyday life, this episode is for you.

Highlights:

  • [00:01:32] Owen’s career journey: From corporate climber to world traveler.
  • [03:00] Hiking Glacier National Park with a baby in tow—tips for family adventurers.
  • [07:00] The power of sports and family in building resilience and grit.
  • [11:30] Learning from loss: how adversity shapes our drive and character.
  • [14:00] Coaches and mentors: the unexpected father figures who shaped Owen’s path.
  • [24:19] Finding a new “team” after sports: how CrossFit and community fill the gap.
  • [32:00] Bucket list adventures: How Owen plans to keep exploring with his family.

Links & Resources:

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