On Adventure: Lessons from the Edge

The last two episodes of On Adventure launch a new series exploring a question: where do the pursuit of adventure and the pursuit of spirituality overlap? Not just in extreme places or dramatic moments, but in the lived experience of ordinary people willing to step into uncertainty, discomfort, and transformation. Each conversation approaches that intersection from a different angle, yet together they reveal a shared truth – growth happens at the edge.

Episode 64: Adventure, Spirituality, and the Search for Something Bigger with Reed Dunn

This episode of the series begins in the physical outdoors. Through stories of backpacking, solitude, and long days in wild places, the conversation explores why nature so often becomes a canvas for spiritual awakening.

Adventure, in this sense, is not about adrenaline or accomplishment. It is about participation. Being immersed in the natural world strips away distraction and puts us face-to-face with something larger than ourselves. Mountains, weather, and vast landscapes confront us with scale and humility. They remind us that we are small, yet deeply connected.

What emerges is the idea that spirituality is not primarily about answers, but about transcendence. In wild places, that transcendence feels immediate and unmediated. Awe interrupts control. Beauty disarms productivity. The edge of physical effort becomes an entry point into meaning.

Episode 65: Why Suffering Becomes a Spiritual Awakening with Scott Sauls

The second episode shifts the setting but not the theme. Instead of mountains and trails, the edge shows up in a personal and professional reckoning. Leaving a long-held identity, facing internal exhaustion, and stepping into an unknown future become acts of adventure in their own right.

This conversation reveals that hardship does not create what is inside us – it exposes it. Pressure brings unresolved fears, wounds, and motivations to the surface. At the edge, the stories we tell ourselves stop working. What remains is an invitation to honesty.

Here, spirituality is found not through escape, but through surrender. Letting go of performance and productivity creates space for healing, community, and a re-centered sense of calling. Adventure becomes less about doing more and more about becoming whole.

Together, these first two episodes set the tone for the series. Whether through wilderness or inner work, the overlap between adventure and spirituality is clear. Both require uncertainty. Both invite transformation. And both ask us to step beyond comfort into a life that is more present, more connected, and more true.

Episode 65: Why Suffering Becomes a Spiritual Awakening with Scott Sauls


David Brooks describes life as a journey up two mountains. The first mountain is about achievement—building a career, proving yourself, chasing success. The second mountain begins when the first no longer satisfies, and you’re called into a deeper life of meaning, surrender, and service. This episode lives squarely on that second mountain.

This conversation is the second installment in our series exploring where spirituality and adventure overlap, and it’s an honest look at what happens when ambition gives way to awakening. I sat down with Scott Sauls to talk about burnout, identity, and the courage it takes to walk away from what once defined you. We explore why suffering often becomes the doorway to spiritual depth, how achievement can quietly turn into addiction, and why community—not independence—is the missing ingredient in most meaningful adventures.

If you’ve ever felt successful on paper but empty underneath—or sensed a pull toward something more without knowing how to answer it—this conversation will meet you right where you are.


Timeline Highlights

  • [2:45] – Why this conversation fits into the spirituality-and-adventure series

  • [7:30] – Scott’s leadership journey and the hidden cost of achievement

  • [14:10] – When productivity becomes identity—and why it eventually breaks us

  • [22:40] – Why suffering often precedes clarity, healing, and spiritual growth

  • [31:55] – Redefining adventure beyond the outdoors

  • [41:20] – The role of community in recovery and transformation

  • [52:10] – Curiosity, humility, and letting go of control


Key Themes & Topics

  • Midlife transition

  • Spirituality and adventure

  • Burnout, recovery, and identity

  • Faith, suffering, and meaning

  • Leadership and emotional health

  • Community vs isolation

  • Risk, uncertainty, and growth


Links & Resources


Closing

If this episode resonated with you, please follow the podcast, leave a rating or review, and share it with someone who might need this conversation. These stories grow through community—and I’m grateful you’re part of it.

Thanks for listening. I’ll see you on the adventure.

Check out this episode!

Planning 2026 with intention: 10 financial and life considerations for the year ahead

The start of a new year naturally invites planning. But for most people, planning quickly turns into optimization – more efficiency, better returns, tighter projections.

The more meaningful work often starts earlier than that.

Before adjusting numbers, it’s worth stepping back to ask whether your financial life is aligned with the life you want to live. As we look ahead to 2026, with several new planning rules and legislative changes becoming active under the OBBBA framework, this is an ideal moment to reset both direction and strategy.

As a kid of the ‘90’s and a David Letterman fan, I always waited for the part of the show when he revealed his (sometimes crazy, but almost always funny) Top 10 List.  Here is my attempt and a nod to Mr. Letterman with 10 financial and life planning considerations worth reviewing as you prepare for the year ahead, with a particular emphasis on building margin, clarity, and adventure into 2026.

1. Define What You Want 2026 to Feel Like

Before reviewing accounts or projections, clarify the experience you want the year to deliver.

Do you want 2026 to feel spacious or packed? Grounded or mobile? Predictable or exploratory?

Financial plans are most effective when they support a clearly defined life vision. Without that anchor, even strong financial results can feel disconnected.

2. Plan Adventure First, Not Last

Adventure is often treated as optional – something to squeeze in if time and money allow.

In practice, that usually means it doesn’t happen.

Whether adventure for you means extended travel, meaningful family trips, endurance events, or simply more time outdoors, plan it intentionally. Block the time on the calendar. Estimate the cost. Create a dedicated savings bucket.

When adventure is designed into the plan, money becomes an enabler rather than a gatekeeper.

3. Understand What’s Changing Under the OBBBA

Several provisions tied to recent federal budget and benefits legislation are now becoming relevant for 2026 planning. While the specifics vary by household, common planning areas affected include retirement contribution limits, including updated catch-up provisions for certain age ranges; required minimum distribution rules and beneficiary timelines impacting inherited retirement accounts; income thresholds for tax credits and deductions, with tighter phase-outs at higher income levels; and sunsetting provisions from earlier tax law, increasing the importance of proactive, multi-year tax planning.

The key takeaway is that understanding these changes early creates flexibility. Waiting until year-end often removes good options.

4. Revisit Your “Enough” Number

As income and assets grow, old targets often linger long after they stop serving your life.

Revisit what level of income actually supports your desired lifestyle, how much work is enough, and which trade-offs are no longer worth it.

Clarifying “enough” is often the most powerful financial decision you can make.

5. Align Cash Flow With Experience, Not Habit

Instead of asking where to cut spending, ask where your money is working well for you.

Which expenses consistently add meaning or enjoyment? Which ones feel automatic or outdated?

Redirecting cash flow toward experiences, travel, and flexibility often improves quality of life without increasing overall spending.

6. Strengthen the Safety Net

Adventure is easier to pursue when the foundation is solid.

The new year is a good time to review emergency reserves, insurance coverage, estate documents, and beneficiary designations.

These items rarely feel urgent – until suddenly they are. Proactive review reduces stress and creates confidence.

7. Simplify Where Complexity Has Crept In

Over time, financial lives naturally become more complex.

Multiple accounts serving similar purposes, legacy strategies that no longer apply, and complexity that adds confusion without value can quietly accumulate.

Simplification improves clarity, reduces friction, and makes decision-making easier when life changes quickly.

8. Use Tax Planning to Support Lifestyle Decisions

With updated thresholds and evolving rules, tax planning for 2026 should align with life choices.

This may include timing income around travel or sabbaticals, evaluating Roth strategies during lower-income years, or coordinating charitable giving with tax efficiency.

The goal is not minimizing tax in isolation, but ensuring tax decisions support the life you want to live.

9. Decide What to Stop Doing

Borrowing from the annual review approach popularized by Tim Ferriss, one of the most powerful planning exercises is deciding what to stop.

What commitments, habits, or financial behaviors create stress without meaning, consume time without return, or reflect an outdated version of you?

Stopping often creates more freedom than starting something new.

10. Build Margin Into the Plan

Finally, leave room.

Margin in your calendar allows spontaneity. Margin in your cash flow absorbs surprises. Margin in expectations builds resilience.

A plan with no margin may look efficient, but it is fragile. A plan with margin can flex and support opportunity when it appears.

Final Thought

Planning for 2026 isn’t about predicting every outcome. It’s about creating a framework strong enough to support responsibility and exploration.

When financial planning is aligned with experience, when adventure is treated as essential rather than optional, and when decisions are made intentionally rather than reactively, money becomes what it was always meant to be – a tool in service of a well-lived life.

Episode 64: Adventure, Spirituality, and the Search for Something Bigger with Reed Dunn


In today’s episode—the first in a brand-new series exploring the deeper meaning behind our outdoor experiences—I sit down with my longtime friend, pastor, everyday explorer, and deep thinker, Reed Dunn, for one of the most meaningful conversations I’ve had on this podcast. This first installment leans less on adrenaline and more on the why—why we’re drawn to the outdoors, why hardship shapes us, and why so many of us pursue experiences that push us into awe, wonder, and transcendence.

Reed and I dig into the spiritual side of adventure—what it means to connect with something beyond ourselves, whether you call that God or a higher power. We unpack the way wilderness confronts our limits, how beauty can shake us awake, and why disciplines of “no” might be more important today than ever. And of course, we talk about Reed’s years of backpacking, his favorite place in the world, and the moments that have stayed with him long after the trip ended.


⏱️ Timeline Summary

Here are the top moments from the episode:

[00:16:00] – Kicking off the conversation: why I wanted Reed on the show and how his story fits into “the meaning side” of adventure.
[00:26:00] – Reed’s early backpacking years—Colorado, Arkansas, the Buffalo River Trail, and how those experiences shaped him.
[00:35:00] – The memory of his favorite place on earth: a glacial lake, seven waterfalls, and the power of remembering without a camera.
[00:36:00] – A deep dive into spirituality: what it means to connect with transcendence, how nature becomes a pathway, and why anyone—regardless of belief—can access it.
[00:46:00] – Religion vs. spirituality: Reed breaks down the difference between learning about God and meeting God—and why both matter.
[01:13:00] – Exploring hardship, asceticism, and the spiritual importance of limitation. Why “telling yourself no” opens doors to meaning.
[01:22:00] – The connection between ancient spiritual practices, desert monks, and modern adventurers who push themselves to the edge in search of something more.


🔗 Links & Resources


🙌 Closing Remark

If this conversation stirred something in you, inspired you, or made you think differently about why we chase adventure in the first place, I’d love for you to rate, follow, share, and review the podcast. It helps more everyday explorers find these stories—and it keeps great conversations like this one coming.

Thanks for listening, and keep living your adventure on purpose.

Check out this episode!

On Adventure: Lessons from the Edge

Three Conversations. One Thread. What Endurance Really Teaches Us.

Over the last few episodes of the On Adventure Podcast, a quiet but powerful theme emerged – not about speed, podiums, or records, but about how people choose to keep going.

Across three very different guests – Lisa Decker, Mike Wardian, and Vincent Antunez – the conversations circled the same deeper questions:

  • Why do we choose hard things?
  • What happens when the plan breaks down?
  • And what actually carries us forward when the body, mind, or circumstances push back?

Here are some of the most meaningful moments and lessons from these recent conversations.

Lisa Decker – Doing It the Right Way

Lisa Decker’s story is a reminder that endurance doesn’t have to look aggressive to be powerful.

Lisa completed the Vol State 500K – a 314-mile journey across Tennessee in July heat and humidity – not by grinding herself into the ground, but by leaning into community, pacing, and joy.

She didn’t arrive at the starting line with a crew or a rigid plan. In fact, she nearly backed out. But something remarkable happened early in the race: strangers became companions. Five individuals naturally synced up, moving together mile after mile, sharing food, laughter, and long conversations.

While others battled isolation and exhaustion, Lisa’s group turned the race into a moving community. They rested together, navigated resupply stops together, and ultimately finished knowing they had shared something far bigger than a finish line.

One of the most striking parts of Lisa’s story is that she never wanted to quit. Despite sleeping on park benches, navigating closed gas stations, and enduring oppressive heat, she felt strong the entire way. No blisters. No breakdown. No dramatic low point.

Her insight was simple and profound: “If I had left the group to do my own thing, my whole experience would have been completely different.”

Lisa also spoke openly about her 120-pound weight loss and the role endurance plays in mental health and self-trust. Her takeaway wasn’t about transformation through punishment – it was about learning how to care for herself while still doing hard things.

Mike Wardian – Seeking the Edge on Purpose

If Lisa represents endurance through joy and connection, Mike Wardian represents endurance through curiosity and intention.

Mike has done things most people would never consider – running across the United States, setting age-group FKTs on the Appalachian Trail, competing at elite marathon speeds, and now preparing to row solo across the Atlantic Ocean.

Yet what stood out most wasn’t the resume – it was how deliberately Mike chooses his challenges.

He doesn’t wait for opportunities to come to him. He seeks the edge – the place where doubt creeps in and self-definition is tested. As he put it, these projects are about finding something that gives him “butterflies” again.

Mike described how goal-setting for him isn’t about perfection. He writes lists each year knowing some goals will roll over unfinished. The point isn’t completion – it’s direction.

One of the most powerful moments in the conversation came when he described the difference between who we think we are and who shows up mid-race:

“A lot of us have a vision for who we are, but until you actually step out there, it’s just in your head.”

Whether it’s mile 18 of a marathon or day 40 on the Appalachian Trail, Mike sees endurance as a mirror. The work reveals truth – not just strength, but limits, humility, and growth.

What makes Mike’s perspective especially compelling is his willingness to become a beginner again. Despite decades of experience, he’s intentionally stepping into an entirely new domain with ocean rowing – knowing discomfort and uncertainty are part of the reward.

Vincent Antunez – When the Real Battle Is the Mind

Vincent Antunez brings a different depth shaped by 32 years of military service, combat deployments, and decades of ultra-distance racing.

A retired Army Major and Physician Assistant, Vincent has completed events ranging from European 100K marches to multi-stage desert ultras and the Vol State 500K. But when asked what takes people out of races, his answer was blunt:

“The three B’s – the balls of your feet, your belly, and your brain. And for me, it’s always been the brain.”

Vincent’s endurance journey began almost accidentally – showing up to a German “walk” that turned out to be a full marathon. From there, distance became normal. What never changed was his understanding that finishing is a decision long before it’s a physical outcome.

He spoke candidly about fear, self-confidence, and early life challenges – and how overcoming literal obstacles in military training taught him something lasting: once you’ve done hard things, you can remind yourself you’ve done harder.

During Vol State, Vincent noticed Lisa Decker and her group moving differently – laughing, stopping for food, staying light. That observation stayed with him. It reinforced something he’s learned repeatedly: suffering is not the only path through endurance.

Sometimes, reframing the experience is the most effective survival skill.

The Shared Lesson: Endurance Is a Teacher

Three guests. Three very different lives. One unifying truth.  Endurance isn’t just about miles. It’s about:

  • Trusting yourself when the plan falls apart
  • Letting go of ego when it no longer serves you
  • Choosing connection over isolation
  • And understanding that progress often looks quieter than we expect

Lisa taught us that joy can be strategic.
Mike reminded us that growth requires intention.
Vincent showed us that resilience is often a mental practice, not a physical one.

Each conversation pointed to the same deeper idea: hard things shape us, but only if we’re paying attention.

That’s what makes endurance such a powerful metaphor for life, work, leadership, and family. It strips away pretense and leaves only what’s essential.

And that’s what we’ll keep exploring here – one story, one adventure, and one honest conversation at a time.

 

The top 8 financial items to review before the end of the year

As the year draws to a close, many people feel an instinct to wrap things up. It’s a natural moment to pause, take inventory, and make sure nothing important is left undone.

In financial planning, year-end reviews aren’t about scrambling or chasing last-minute tactics. Done well, they’re about clarity – confirming that your financial decisions still align with the life you’re building.

Here are the most important areas worth revisiting before the calendar turns.

  1. Taxes: Reducing Regret, Not Just the Bill

    Year-end tax planning isn’t about perfection – it’s about intention. This is the time to review realized gains and losses, assess whether tax-loss harvesting makes sense, and confirm that income timing aligns with your broader strategy. For many families, charitable giving also plays a role here – not as a tax trick, but as a thoughtful extension of their values.

  2. Required Minimum Distributions (RMDs)

    For retirees and those nearing retirement, RMDs deserve careful attention. Confirming distributions are made on time, in the correct amount, and from the appropriate accounts is critical. It’s also worth reviewing how RMDs integrate with your overall cash-flow plan. This is ideally done in the first half of the year, but if you haven’t gotten to it yet, do not delay. The penalty for missing your RMD is significant!

  3. Charitable Giving with Purpose

    Year-end giving often happens quickly. A pause can make it more meaningful. Review how and where you give, and whether you’re giving still reflects what matters most to you. Going back to your RMD’s, if you are over 70.5, you can consider using a Qualified Charitable Distribution (QCD) from your IRA to fund those giving goals!

  4. Portfolio Alignment and Risk Exposure

    Markets have a way of feeling louder in December. Year-end is a natural time to rebalance, reassess concentration, and confirm that your portfolio still supports your long-term plan. Have you set aside enough funds in safe cash and short-term bonds to match several years’ worth of coming expenses? If you’re not sure, we should talk.

  5. Estate Planning and Beneficiary Reviews

    Time with family has a way of surfacing important questions. Review beneficiary designations, trustee and executor choices, and guardianship decisions if applicable. Your beneficiary designations on retirement accounts, insurance policies, etc. are legal agreements between you and the financial institution. This means that what ever is on file will trump what is stated in your will, so make sure they line up!

  6. Retirement Readiness Beyond the Numbers

    For those approaching retirement, year-end reflection often brings deeper questions. Financial readiness and emotional readiness don’t always arrive at the same time. Both deserve attention. I’ve seen the emotional transition into retirement impact clients much more significantly than the financial transition. Make sure you have spent time preparing yourself for both.  If you are only focused on what you are retiring away from and haven’t spent any time thinking about what you want to retire towards, then you’re not ready.

  7. Simplification and Organization

    Many people enter a new year craving less complexity. Consolidating accounts and reducing unnecessary financial clutter can create a surprising sense of relief. Everyone has a financial ‘junk drawer’, where things accumulate over the years, but have no rhyme or reason or coordination. Spend time emptying out the junk drawer to assess what you have and then be intentional about what you keep and what you get rid of.  Does it serve you anymore? 

  8. Family Support and Legacy Planning

    Supporting adult children or aging parents requires balance. These decisions are rarely about math alone – they’re about boundaries and stewardship. I have noticed that there is no magic formula or one-size-fits-all approach. Every family dynamic is different and requires a thoughtful, intentional approach to what is best for everyone.

Closing the Year Well

A thoughtful year-end review isn’t about checking boxes. It’s about asking:
Does our financial plan still serve the life we want to live?  If it doesn’t or you’re not sure, give us a call….we’re here to help.