Episode 75: Hard Things Are Worth Doing with Justin Smith


Episode Description
What happens in the dark hours before sunrise on day two, when your body starts asking
what exactly you are doing out here?
 
Justin Smith teaches high school in Santa Cruz, California, where his classroom is a working 
bike shop. By day he runs a Career Tech Ed program through Project Bike Tech, teaching
teenagers to fix bikes, build resumes, and solve real problems with their own hands. On his own
time, he is an ultra-endurance athlete who has finished the 2,700-mile Tour Divide from Banff,
Canada to the Mexico border in 16 days straight, raced the Fiji Eco-Challenge with Team Curl,
competed at the Ironman World Championships in Kona, and returned three times to a 60-hour
swimrun across the Swedish archipelago.
 
In this conversation, Justin takes Josh inside the pain cave and the mental game of multi-day 
racing: the dark hours before sunrise on day two, the difference between the front country and
the back country, and why the body only truly comes alive on the second night. He explains how
a psychology degree and Outward Bound canoe trips led to a life built around adventure, why he
and his wife once lived in a tiny house they built on television, and how putting himself in hard
situations makes him a better dad, husband, and teacher.
 
They also talk about the people. From trail angels on the Pacific Crest Trail to a septic-truck 
driver in Southern California, Justin keeps returning to the connections that outlast the miles.
Most of all, this is a story about a simple idea he repeats to his students and his daughter: a ship
is safe in its harbor, but that is not what ships were built for, and the more you do hard things,
the more you realize hard things are worth doing.
 
Episode Highlights
00:00 Meet Justin Smith: high school teacher by day, ultra-endurance adventurer on
his own time
02:00 The bike shop classroom and the Project Bike Tech program in Santa Cruz
08:00 Building a tiny house on the TV show Tiny House Nation
14:00 The permission slip to not conform, and choosing the hard path on purpose
16:00 Comfort is what gets sold to us, but hard things are what move the needle
19:00 Meeting Roy Malone at the 2019 Fiji Eco-Challenge with Team Curl
20:00 The One Water swimrun across the Swedish archipelago, attempted three times
26:00 The Stagecoach 400 and sleeping on McDonald’s cardboard with no sleeping bag
31:00 Courtney Dauwalter’s pain cave, and learning to redecorate it instead of fighting it
38:00 Finishing the 2,700-mile Tour Divide in 16 days, from Banff to the Mexico border
43:00 The Pacific Crest Trail, meeting his wife, and hiking through grief in 2009
55:00 Orienteering, gut instinct, and trusting intuition when the map runs out
01:04:00 A ship is safe in its harbor, but that is not what ships are built for
01:12:00 The mantra: if you can’t get out of it, get into it, and find a way

About Justin Smith

Justin Smith is a high school Career Tech Ed teacher in Santa Cruz, California, where he leads a
bike shop program through Project Bike Tech, and a lifelong endurance athlete and adventurer.
A former NCAA swimmer, he has finished the Tour Divide, raced the Fiji Eco-Challenge and
multiple expedition-style adventure races, competed at the Ironman World Championships in
Kona, and thru-hiked the Pacific Crest Trail. He lives in Santa Cruz with his wife and daughter,
with whom he shares most of his adventures.

Connect with Justin Smith
Facebook: www.facebook.com/smilingjustin
Inspire Out: www.instagram.com/inspireout/

Connect with the On Adventure Podcast
Hosted by Josh Self, financial advisor and everyday explorer.
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On Adventure: What We Carry

Lessons from Gil Jackson and Aaron Saft

Every long walk is an exercise in deciding what matters enough to carry. Ounces add up over thousands of miles, and eventually you strip down to what is essential. In our two most recent On Adventure episodes, I sat down with a Cherokee language educator and an ultrarunning coach whose lives revolve around a version of that same question: out of everything you could hold onto, what is worth the weight?

Gil: Walking Home

Gil Jackson grew up in the Snowbird community of western North Carolina in the 1950s – no television, no car, one light bulb per room, and a tight-knit Cherokee community where everyone showed up when a neighbor needed help. When he left for college in Georgia, his mother laughed and said, “You’ll be back.” He was gone almost 40 years, then built a house 200 yards upstream from where he was born and poured himself into the work that now defines his days: keeping the Cherokee language alive.

Only about 130 fluent speakers remain, and they are losing roughly two and a half a month. Gil calls it the eleventh hour. He thru-hiked the Appalachian Trail in 2014 to experience some portion of what his ancestors endured on the Trail of Tears, and conceded the biggest difference: he got to come home. But what moved me most is what Gil does off the trail. He spends his days locating sacred Cherokee sites in the mountains and taking younger people to them, so the stories and routes are not lost. The elders who know where these places are can no longer reach them. The young people who can make the climb do not know they exist. Gil is the bridge.

Aaron: What Do You Need?

Aaron Saft has finished Hardrock, UTMB, Leadville, Western States, and the Bigfoot 200. But the moment from our conversation that will stay with me had nothing to do with a finish line. It was his description of what happens when you come across another runner sitting on a rock in the middle of a 100-miler. You do not ask, “How are you?” You can see how they are. You ask, “What do you need?” And then you give whatever you have. Aaron said it is not a decision people make in the moment. It is who the sport turns you into.

He pins an upside-down photo of his family to his quad so that when he looks down at mile 80, he sees his wife and kids looking back at him. His son now runs for the University of Portland. His daughter, a high school freshman, just competed at the state championships. When other parents ask how he got his kids into running, his answer is simple: he did not. He just showed them what was possible. He even rebranded his coaching business – from “MR Running Pains” to “Running is Life” – because the words we wrap around our work shape the experience. Training is 99 percent process and 1 percent celebration. If you cannot find joy in the process, you are missing the whole thing.

The Same Trail

Gil is preserving a language and the sacred geography of his people. Aaron is building runners who understand not just what to do but why. Both told me the point was never the miles. The miles were just the means of discovering what mattered enough to hold onto. Not every adventure happens on a trail. Some happen when you ask someone what they need and mean it, or when you pass along something that would disappear if you kept it to yourself.

Stay safe and stay on adventure.

— Josh

You can listen to the full conversations with Gil Jackson and Aaron Saft on the On Adventure podcast, available wherever you get your podcasts.

Episode 74: Carrying a Language Home with Gil Jackson


Episode 74: Carrying a Language Home with Gil Jackson

Episode Description

What does it mean to be so connected to a place that even your name carries it?
Gil Jackson, known by the Cherokee name Dohi, meaning outside or outdoors, was born in
Robbinsville, North Carolina in 1951 and today lives on 30 acres just 200 yards from the spot
where he came into the world. He is a fluent Cherokee speaker, one of roughly 130 left, an elder
of the Snowbird community, and an educator who has taught at Stanford, UNC Asheville, and
Duke. In 2014, he thru-hiked all 2,200 miles of the Appalachian Trail, walking in part to honor
his ancestors on the Trail of Tears.

In this conversation, Gil takes Josh inside a tight-knit upbringing built on Gadugi, the Cherokee
construct of community, where neighbors came together to cut wood, harvest crops, and care for
anyone in need. He explains why family kept him rooted in Western North Carolina even when
opportunity called him elsewhere, how a community school preserved the language while the
wider world pushed assimilation, and why Cherokee is considered one of the ten hardest
languages in the world.

They also talk about why Gil keeps walking. From a 48-mile day in the Great Smoky Mountains
to the ladder-strewn West Coast Trail on Vancouver Island, his adventures are less about
conquering anything and more about seeing the creator’s creation. Most of all, this is a story
about a race against time: preserving a language, the knowledge of medicinal plants, and the
sacred sites that risk being lost before the next generation can carry them forward.

Episode Highlights
00:00 A name that means outdoors, and a home built 200 yards from where he was
born

02:00 The Cherokee tradition of burying the umbilical cord to connect a child to the
land
05:00 Why family kept him rooted in Western North Carolina despite chances to leave
06:00 Growing up in 1950s Snowbird: one gravel road, one light bulb per room, no TV
08:00 Gadugi explained: the community coming together to help in times of need
13:00 An aunt’s middle-class home, new clothes, and the family that raised him
21:00 Selling moss for 25 cents a pound to buy a guitar he still owns
22:00 A community school that taught English while protecting the Cherokee language
24:00 Only about 130 fluent speakers left, and losing two and a half each month
27:00 What makes Cherokee one of the ten hardest languages in the world
29:00 Degrees in education, administration, and planning, and leading a language
immersion school
33:00 How Cherokee end-of-life traditions have changed over a lifetime
35:00 Finding the therapeutic in streams, trees, and birdsong
39:00 Why he thru-hiked the Appalachian Trail in 2014 to honor the Trail of Tears
43:00 The brutal West Coast Trail on Vancouver Island, with 100 ladders and 10 hours
for six miles
45:00 A tense night cooking near foraging bears in Virginia
46:00 A trail family of five speaking four languages, all wanting to learn Cherokee
53:00 Losing the knowledge of edible and medicinal plants, and the sacred sites that
hold the stories
57:00 Rapid-fire: Gvgeyu (I love you), favorite sunrises, beloved teachers, and the White
Mountains

About Gil Jackson
Gil Jackson (Dohi) is a fluent Cherokee speaker, elder of the Snowbird community in
Robbinsville, North Carolina, and a lifelong educator who has taught at Stanford, UNC
Asheville, and Duke and served as principal of a Cherokee language immersion school. He
remains committed to preserving the Cherokee language, traditional plant knowledge, and the
region’s sacred sites, and is an avid long-distance hiker who thru-hiked the Appalachian Trail in
2014.

Connect with the On Adventure Podcast
Hosted by Josh Self, financial advisor and everyday explorer.
Subscribe on YouTube, Spotify, Apple Podcasts, and all major streaming platforms
Follow on Instagram for short-form clips and behind-the-scenes content

Connect on Facebook: On Adventure Podcast with Josh Self
Connect on LinkedIn: Josh Self
If this episode resonated with you, leave a review and share it with someone who needs
to hear it

Check out this episode!

Episode 73: Running is Life with Aaron Saft


ON ADVENTURE PODCAST |  EPISODE 73

Episode 73: Running is Life with Aaron Saft

As a species, we only do things if there is truly a reward on the other side. So when the reward is pain, struggle, suffering, and danger, what exactly keeps driving us back out the door?

Aaron Saft has spent his life chasing that answer. A five-time ACC champion at NC State whose teams finished third at the NCAA Cross Country Championships, he traded the track for the trail, ran his first 100-miler in 2016, and has since become one of the most experienced ultrarunners in the Southeast. Today he coaches roughly 75 athletes full-time through his Running Is Life platform and podcast, a business he deliberately renamed from “MR Running Pains” because he believes running, done right, should bring as much joy as it does suffering.

His résumé reads like a bucket list for the sport: the Grand Slam of Ultrarunning, the Bigfoot 200, Hardrock, Leadville, UTMB, and the Tor des Géants in the Italian Alps, where a fall, a head injury, and a watchful medic ended his race. He has finished a 100-miler while spiking a 100-degree fever, outrun a mother grizzly and her cubs in Canada, and learned the hard way when to push and when to stop. But ask Aaron why he does it and he won’t point to a trophy. He’ll point to the upside-down photo of his family pinned to his quad, the one he looks down at in the darkest miles to remember who he is suffering for.

In this conversation, Josh and Aaron trace the many forms the “why” can take. They dig into presence, learning to run a hundred miles one mile at a time, and the moment an empty drop bag at Leadville taught Aaron everything he needed to know about the generosity of the trail community. They talk about the one question you never ask an ultrarunner, the evolution from chasing a place to simply chasing the finish line, why legacy is something children catch rather than something we teach, and how an abundance mindset shaped the coaching practice he built from the ground up. It is a conversation for every everyday explorer about doing the hard things that make life fuller, right now, not someday.

Episode Highlights

     06:00  The Terry Foxworth connection and the heart of On Adventure: the reward beneath the suffering

     15:00  Running Is Life: why words matter and reframing the sport away from pain

     19:00  From reluctant soccer goalie to cross country, and the high school coach who changed his life

     24:00  The NC State years: five ACC titles, redshirting, and racing the steeplechase

     28:00  Virginia, mentor Ben Thomas, the run shop, and the move into trail running

     33:00  First 50K to first 100: the long adventure runs that planted the seed

     37:00  What 100 and 200 miles teach you that a marathon never will: presence, mile by mile

     38:00  Finishing the Grand Slam and the Wasatch 100 with a 100-degree fever

     44:00  When to keep going and when to stop: the Tor des Géants head injury and a fevered DNF on Mount Mitchell

     52:00  Intrinsic motivation, the family photo on the quad, and the “debt” a race director taught him about

     55:00  The empty drop bag at Leadville and the generosity of the trail community

     59:00  “What do you need?” The only question you ask an ultrarunner

     01:01:00  Adventure versus performance, “level 49,” and racing for the finish line instead of the place

     01:08:00  Legacy as something caught, not taught, and raising two runners of his own

     01:13:00  From brick-and-mortar to online coaching: 75 athletes, an abundance mindset, and a teaching heart

     01:25:00  Rapid fire: the grizzly bear, the Altra Lone Peak 9+, best and worst races, and five 100-milers in one summer

Resources and Mentions from This Episode

Here are the people, places, and resources Aaron mentioned in this episode:

     Running Is Life, Aaron’s coaching practice and podcast

     Training for the Uphill Athlete, the team’s recent book study and a foundational training manual

     Races referenced: Grindstone 100, Mountain Masochist 50, Hellgate 100K, Western States, Leadville 100, Wasatch 100, Hardrock 100, UTMB, the Bigfoot 200, the Tor des Géants, the Cocodona 250, and the Ouray 100

     Gear note: the Altra Lone Peak 9+ with the Vibram outsole

Free for Listeners: The Money Trail Guide

Josh’s free resource for everyday explorers is packed with practical insights on planning for any adventure, big or small, minimizing trail waste along the way (yes, that means taxes), and living with confidence toward whatever is most meaningful to you. It also includes key takeaways from recent On Adventure guests to help inspire your next steps.

Grab your copy at ridgelinewealthadvisors.com.

Connect with the On Adventure Podcast

Hosted by Josh Self, financial advisor and everyday explorer.

     Subscribe on YouTube, Spotify, Apple Podcasts, and all major streaming platforms

     Follow on Instagram for short-form clips and behind-the-scenes content

     Connect on Facebook: On Adventure Podcast with Josh Self

     Connect on LinkedIn: Josh Self

     If this episode resonated with you, leave a review and share it with someone who needs to hear it

Check out this episode!

Base Camp Thinking: What Mountaineers Know About Volatile Conditions

There’s a sentence Ed Viesturs likes to repeat, and we’ve been thinking about it a lot lately.

“Getting to the top is optional. Getting down is mandatory.”

Viesturs is one of the most accomplished high-altitude mountaineers in history – one of a handful of climbers to summit all fourteen of the world’s 8,000-meter peaks without supplemental oxygen. He’s said he didn’t make it home that many times by being brave at the wrong moments. He made it home by being disciplined at the right ones.

Markets aren’t mountains. But the principles people use to come home alive from volatile conditions translate surprisingly well to financial life planning. And in a stretch like this one – energy shocks, persistent inflation, consumer confidence at all-time lows – we keep returning to a few of those principles.

Base camp

No one summits straight from the road. The first thing you do is build a base camp – a stable, well-supplied position you can return to when conditions deteriorate. You sleep there. You eat there. You wait out storms there.

In a financial life, base camp is the cash reserve. It isn’t where you live – it’s what you fall back on when the weather turns. And the function it serves isn’t really about the dollar amount. It’s about giving you the freedom not to make decisions out of panic.

Households with an honest base camp don’t necessarily make different long-term decisions than households without one. But the experience of difficult conditions is fundamentally different. One is decision-making from a position of strength. The other is decision-making from a position of fear.

Acclimatize before you climb

Altitude doesn’t care how strong you are at sea level. The body has to be allowed to adapt to thinner air, in stages.

Building a financial life has a similar rhythm. Big decisions – a new house, a business move, an early retirement, a significant inheritance – work best when there’s time to acclimatize. To live with the implications. To stress-test how they feel. To see what assumptions hold and which don’t.

Most of the financial regrets we hear about aren’t bad ideas. They’re good ideas executed too quickly.

Pre-set turnaround thresholds

Climbers set turnaround times before they start the summit push. If you haven’t reached the summit by, say, 2 p.m., you turn around. Period. The decision is made in advance – in calm conditions, with clear thinking – precisely because at altitude, in bad weather, under pressure, the mind isn’t reliable.

A financial plan with pre-set thresholds works the same way. Rebalancing triggers. Cash buffer minimums. Withdrawal rate guardrails. Spending floors during retirement transitions. These aren’t constraints – they’re decisions made when your head was clear, so you don’t have to make them when your head isn’t.

The team you bring

No one solos K2 by accident. Every expedition has a team – sherpas, climbers with complementary skills, an extended network at lower altitudes. The team is part of the equipment.

In a financial life, the team is the people you’ve intentionally chosen to walk alongside you – the spouse you talk through decisions with, the CPA, the estate attorney, the advisor, the family members you trust. The point isn’t to outsource judgment. It’s to have other clear minds in the room when yours is tired.

One more thing

The mountains have a way of revealing what was already true. Volatile financial conditions do the same.

If your plan is built well, hard stretches are uncomfortable but not catastrophic. If it isn’t, hard stretches reveal what was missing – and they tend to do it at the worst possible moment.

We’d rather have those conversations now, in calm air, than at the top of the ridge.

Episode 72: Risk in Every Form with Greg Winchester


ON ADVENTURE PODCAST |  EPISODE 72

Episode 72: Risk in Every Form with Greg Winchester

  

Episode Description

What does it take to keep saying yes to risk, in the boardroom, on the trail, and across all seven continents, for forty years and counting?

Greg Winchester calls himself an armchair explorer, but the title sells him short. Over a 40-plus-year career in commercial real estate, he has worked through the savings and loan crisis, the 2008 financial crisis, and COVID, first as a banker, then as a co-owner, and today as an investor through his family office, Summit Investors. In 2003, he and two partners bought their company from its founders in a management buyout, personally guaranteeing the entire debt with 300 employees and no safety net. As Greg puts it, it was like walking to the end of the diving board and jumping, hoping there was water below.

A lifelong Boy Scout who fell in love with the outdoors in the Roan Highlands of North Carolina, Greg went on to serve on the board of the Appalachian Trail Conservancy and to build a life of generosity that reaches all seven continents, inspired by the book Seven Summits. From an orphanage in Bolivia to a pastors’ training center in Uganda, a nearly thousand-year-old cathedral in Winchester, England, and Sir Ernest Shackleton’s grave on South Georgia Island near Antarctica, he and his wife set out to support smaller, lesser-known nonprofits and build real relationships, not just write checks.

In this conversation, Josh and Greg trace the many forms risk can take. They dig into why leverage is a two-edged sword, how diversification and dry powder let you run into the fire when others are running out, why your gut becomes a kind of superpower after twenty years in any arena, and how setting goals every year since his twenties shaped a life of purpose. Greg also shares the two questions a pair of mentors asked him in his mid-fifties, what is a noble cause you can get involved with, and what do you actually want to do, and why finishing well may be the greatest adventure of all.

Episode Highlights

         00:00  An armchair explorer who spent forty years navigating real estate’s biggest crises

         03:00  Stumbling into commercial real estate from a bank management trainee program

         06:00  The 2003 management buyout: 300 employees and everything personally guaranteed

         12:00  Jumping off the high dive and hoping there is water below

         14:00  A lucky break, a termination fee, and the real mix of hard work and luck

         17:00  Three things that get people in trouble: cycles, capital structure, and diversification

         20:00  Running into the fire in 2008 and why leverage is a two-edged sword

         23:00  The gut instinct you earn after twenty years in any arena

         25:00  Seven Summits and a vision to serve nonprofits on all seven continents

         29:00  Winchester Cathedral, a 950-year-old Bible, and Shackleton’s grave near Antarctica

         38:00  What rises to the top: relationships, faith, family, and friends

         40:00  A Boy Scout in the Roan Highlands and a lifelong love of the trail

         46:00  Moving toward something, not away, and setting goals every year since his twenties

         50:00  Finishing well and the two questions that reshaped Greg’s second act

Causes and Organizations Greg Supports

Here are the people and organizations Greg mentioned in this episode:

    Summit Investors, his family office investing in real estate across the Sun Belt

    Auburn University Master of Real Estate Development program, where he serves as an adjunct and industry connector

    The Appalachian Trail Conservancy, where he served on the board

    The South Georgia Heritage Trust, stewards of the historic church and museum on South Georgia Island

    The National Christian Foundation, which helped guide his international giving

Free for Listeners: The Money Trail Guide

Josh’s free resource for everyday explorers is packed with practical insights on planning for any adventure, big or small, minimizing trail waste along the way (yes, that means taxes), and living with confidence toward whatever is most meaningful to you. It also includes key takeaways from recent On Adventure guests to help inspire your next steps.

Grab your copy at ridgelinewealthadvisors.com.

Connect with the On Adventure Podcast

Hosted by Josh Self, financial advisor and everyday explorer.

    Subscribe on YouTube, Spotify, Apple Podcasts, and all major streaming platforms

    Follow on Instagram for short-form clips and behind-the-scenes content

    Connect on Facebook: On Adventure Podcast with Josh Self

    Connect on LinkedIn: Josh Self

    If this episode resonated with you, leave a review and share it with someone who needs to hear it

Check out this episode!

Episode 71: Solo Female Travel, Real Risk, and the Belonging We All Crave with Amanda Black


ON ADVENTURE PODCAST | EPISODE 71

Episode 71: Solo Female Travel, Real Risk, and the Belonging We All Crave with Amanda Black

          

Episode Description

What does it actually take to step on a plane alone, head somewhere most people would call risky, and come home a different woman?

Amanda Black is the founder of the Solo Female Traveler Network, a community of more than half a million women that started as a small Facebook group during her expat years in Australia. Ten years and roughly thirty tours a year later, she leads women into places the average traveler tends to avoid: Egypt, Morocco, India, Mongolia, Uzbekistan, Kyrgyzstan, and beyond. Bali was the first trip. Seventeen women signed up. Nine of them ended up with the company logo tattooed by the end of it.

We talk about why she leans into destinations perceived as less safe, what real risk actually looks like versus the version we imagine, and why she pushes back on the idea that travel is simply safe or unsafe. Risk, she argues, is a spectrum and a muscle, and most women have a lot more capacity to build it than they have been told.

We also get into the quieter side of all this. The cobblestone cafe in Sighișoara, Romania, where women who had known each other only a few days started telling the truth about how lonely life back home really feels. The Golden Eagle Festival in Mongolia, where she felt like she had walked into a movie set with no electricity. The unexpected pattern she keeps noticing across every trip, every country, every group: people are not really upset about the hotel room. They want to belong.

Amanda also shares why she launched Kindred Community, a smaller, slower offering built around connection retreats in Southern California, and what almost a decade of leading women into the wild has taught her about courage, capability, and the kind of friendships that get a logo tattooed on someone’s wrist.

Episode Highlights

00:00  Welcoming Amanda Black, founder of the Solo Female Traveler Network

01:00  Building a community of 500,000+ women and running tours in 25 countries

03:00  Why she leans into destinations perceived as less safe: Egypt, Morocco, India, Mongolia, Uzbekistan, Kyrgyzstan

05:00  How strangers become a travel family inside the first 48 hours of a trip

08:00  From a Facebook group in Australia to a first Bali trip where 9 of 17 women got the company logo tattooed

12:00  Talking honestly with women about safety, fear, and the gray areas of real risk

15:00  Risk on a spectrum: why “safe or unsafe” is the wrong question, and how to build the muscle over time

17:00  Mongolia and the Golden Eagle Festival: stepping into a place that felt like going back in time

20:00  What solo travel reveals about how strong and capable women really are

22:00  The hidden business lesson behind a decade of tours: everybody just wants to belong

24:00  A cobblestone cafe in Sighișoara, Romania, and the loneliness that surfaces when women finally feel safe to share

27:00  Kindred Community and the next chapter: building belonging closer to home

Connect with Amanda Black

Bonus for Listeners (Free Travel Quiz):

https://thesolofemaletravelernetwork.com/where-should-i-travel-next-quiz/

The Solo Female Traveler Network

Website: thesolofemaletravelernetwork.com

Instagram: @solofemaletravel

TikTok: @sofetravel

YouTube: @sofetravel

Amanda’s TEDx Talk

Shared Firsts: Redesigning how we find belonging

youtube.com/watch?v=xSaVJH2b5H0

Amanda’s Website

meetamandablack.com

Kindred Community

Website: kindredcommunity.co

Instagram: @kindred.sd

Connect with the On Adventure Podcast

Hosted by Josh Self, financial advisor and everyday explorer.

Subscribe on YouTube, Spotify, Apple Podcasts, and all major streaming platforms

Follow on Instagram for short-form clips and behind-the-scenes content

Connect on Facebook: On Adventure Podcast with Josh Self

Connect on LinkedIn: Josh Self

If this episode resonated with you, leave a review and share it with someone who needs to hear it.

Check out this episode!

On Adventure: Lessons from the Edge

Two Walks Off the Well-Marked Path

What a 10,000-mile hiker and a credit card points cosultant have in common – and what it means for the rest of us.

If you had told me, when I started the On Adventure podcast, that two of my favorite recent conversations would be with a long-distance hiker who walked the equivalent of more than four cross-country trips in a single calendar year and a Midwestern dad who built a thriving business around airline points, I would have raised an eyebrow. On paper, they have almost nothing in common. But spend an hour with each of them and you start to hear the same note ringing underneath the very different music.

Madison Blagden and Colin Stroud both did something that scared them. They both stepped off a well-marked path. And they both came back changed – not because of the mileage or the revenue, but because of what those experiences taught them about who they actually are when the safety rails come off. I think there is a lot in their stories that the everyday explorer – and frankly, the everyday investor – can put to work this week.

Madison: Walking 10,000 Miles, Planning Almost None of It

Madison Blagden spent last year on her feet. Through-hiking the Appalachian Trail, the Pacific Crest Trail, and the Continental Divide Trail in a single calendar year is itself an audacious goal – only a handful of people have ever done it. Madison didn’t stop there. She set her bar at over 10,000 miles, walking from Florida to Newfoundland and weaving the three big trails together into a feat that no woman had previously completed. She finished. She also raised the women’s record by a couple thousand miles in the process.

What surprised me most, though, was not the scale of the accomplishment. It was her relationship to planning. Here is someone who built her year around weather windows, snowpack, and resupply logistics – and her advice to anyone considering something hard was, in her words, plan as little as you have to. Whatever you think it will cost, double it and save that much. Then go.

Her reasoning is worth sitting with. So many things will happen that you cannot predict, she said, that the energy you spend trying to control them is energy you will need later for the things you actually have to face. The hikers who do best on a long trail are the ones who can pivot – who do not get emotionally locked into a schedule or a route. The ones who white-knuckle a plan tend to suffer more, finish ragged, or quit. Madison described last year’s mid-season injury as the moment she finally let go of the last bits of control she was still holding. From that point forward, every setback, every weather change, every wrench in the gears became something she just folded into the trip.

If you have ever opened a financial plan and felt the urge to nail every variable to the wall – the exact return, the exact retirement date, the exact tax outcome – Madison’s advice translates directly. A good plan is a flexible one. Whatever you think things will cost, plan for more. Then walk.

Colin: The Quiet Quit That Wasn’t Quiet at All

Colin Stroud’s adventure looks nothing like Madison’s, and that is the point. A few years ago, Colin was sitting in an insurance brokerage in Indiana, watching his wife and two of his brothers-in-law build real audiences on the internet. He was good at his job, but it bored him, and he had been passed over for a promotion he wanted. Around the same time, he had stumbled into the world of credit card points and travel rewards as a way to take his young family on a vacation they otherwise could not afford. He started writing about it on LinkedIn, mostly to see if anyone would care.

They cared. The Washington Post quoted him after one of his earliest posts. People started asking if he would get on the phone for an hour to walk through their points strategy. He charged forty-five dollars. Then a little more. Then more. About fifteen months later, he resigned from his W-2 job and went all in on a one-person consulting practice he calls Go Somewhere. Today he is running consulting calls, building a private community for business owners, and partnering with another points expert to scale a white-glove travel-research service. He does not yet know how big it gets. He does know that nothing in his prior career – the standardized tests, the promotions he did not get, the jobs he was not great at – comes close to what he is feeling right now.

What hooked me in our conversation was Colin’s description of why entrepreneurship lit him up the way it did. It was not the income, though the income matters. It was the daily measurement. Every day he gets feedback on whether he is where he thought he was. Every post, every sales call, every new client tells him something true about his actual capability. He used the word ikigai – that overlap of what you love, what you are good at, and what people will pay you for – and said for the first time in his life, every part of him feels activated at once.

Colin also said something I want every entrepreneur and every parent listening to this to take seriously. He has experienced more dopamine, more excitement, more flow from building this business than from any travel destination he has ever been to. And his family life, while quieter, is the most meaningful thing he does. Travel, in other words, is not the adventure. The adventure is the life he is building around the people he loves. The travel is just a way to bring them with him.

What the Everyday Explorer Can Take Home

Different as they are, Madison and Colin pointed me toward the same three lessons, and I think they apply just as much to the way we manage money and build a life as they do to long trails and online businesses.

The first is that uncertainty is not the enemy. It is the proof that you are doing something real. Madison built her year around variables she could not control. Colin walked away from a paycheck without knowing what would replace it. In both cases, the willingness to live with not-knowing was what unlocked the experience. We tend to treat uncertainty in our financial lives as a thing to be eliminated. It cannot be. The better question is whether your plan can absorb a surprise without breaking – and whether you have left yourself enough margin, financially and emotionally, to keep walking when the weather turns.

The second is that the people who do the most talk about it the least. Madison observed that on trail, the loudest people in the room have usually done the least. The ones with the real accolades sit quietly in the corner. I have seen the same dynamic in money. The truly wealthy people I have worked with rarely tell you anything about it. The ones loudly counting their wins are usually the ones with the most to prove. If you are doing the work, the work will speak. You do not have to.

The third – and this is the one that has stuck with me longest – is that the cliff edge is the whole point. When I asked Madison what she would say to someone standing on the edge of a decision that scared them, her answer was just, do it. Not because every adventure works out. Some do not. But because nobody she has met in the trail community regrets going and finding out it was not for them. The ones with regret are the ones who stayed home. Colin’s version of the same line was that everyone has a hundred-thousand-dollar idea sitting in their Google Drive, and most people will never act on it.

You probably have a version of this too. A trip you have been talking about for five years. A career move you keep telling yourself you will make next year. A conversation you have been avoiding. A plan you have been afraid to commit to on paper. The everyday explorer is the person who, knowing they cannot control the outcome, takes the next step anyway – and trusts that whatever shows up next, they will figure out how to keep walking.

That, more than anything else, is what I keep hearing from the guests on this podcast. And it is the kind of mindset I want for the people I am lucky enough to work with at Ridgeline. A flexible plan. A long view. The honesty to admit you cannot know everything in advance. And the willingness to walk into the unknown anyway, because the alternative – staying parked at the trailhead, indefinitely – is not actually safer. It is just stiller.

Episode 69: No One Was Waiting at the Finish Line with Madison Blagden


ON ADVENTURE PODCAST  |  EPISODE 69

Episode 69: No One Was Waiting at the Finish Line with Madison Blagden

 

   

   

Episode Description

What would it take to walk 10,000 miles in a single calendar year? Not across a lifetime. Not spread over a decade. One year.

Madison Blagden is a long-distance hiker and content creator from Massachusetts who went from a pre-med student with zero backpacking experience to one of the most prolific endurance hikers in the country. After completing the full PCT (2022), the Eastern Continental Trail from Key West to Newfoundland (2023), and the Continental Divide Trail (2024), she did all three Triple Crown trails back to back in 2025, border to border, logging over 10,000 miles in a single calendar year. She documented every step herself through daily YouTube videos, Instagram shorts, and blog posts, all edited on the road.

Starting in the Florida Keys in January, she pushed through Hurricane Helene damage on the AT, Sierra snowpack, desert heat, a debilitating hip injury in the White Mountains, and a flash flood that hit her tent in the middle of the night in the desert. The miles are extraordinary. But this conversation goes deeper than the miles.

We talk about what happens between the ears when the body wants to quit, the difference between healthy internal ambition and ego-driven achievement, how the most meaningful finish lines are the ones where nobody is waiting for you, what a flash flood teaches you about calm under pressure, the spiritual dimension of pushing past absolute exhaustion, and why you will never be 100 percent ready, and that is not a reason to wait.

 

Episode Highlights

       00:00  Introduction: Walking 10,000 miles in one calendar year

       02:00  Madison’s background: pre-med to PCT with no backpacking experience

       04:00  Van life, COVID, and two years of traveling in a 19-foot RV

       09:00  Comparing the AT, PCT, and CDT: terrain, culture, and difficulty

       14:00  Hurricane Helene’s impact on the Appalachian Trail and trail recovery

       19:00  Planning a 10,000-mile year: budget, timing, and keeping it flexible

       24:00  How a 5,600-mile year sparked the idea to go even further

       31:00  Funding the hike through daily content creation on the road

       34:00  Healthy ambition vs. ego-driven achievement

       39:00  Internal motivation: the David Goggins voice and the gentle encouragement

       42:00  37 miles a day for nine weeks: the math behind finishing the CDT before snow

       48:00  Hip injury in the White Mountains and the lesson in letting go

       51:00  Flash flood survival and what it reveals about fight-or-flight

       57:00  Nervous system training and calm under pressure

       01:02:00  Surrendering control: giving it up to the trail and the universe

       01:05:00  Spiritual experiences that emerge only at the edge of physical exhaustion

       01:10:00  Coming off trail softer: how big accomplishments quiet the ego

       01:15:00  Closing encouragement: you will never be 100 percent ready, so go

       01:20:00  The expanding ceiling of human limits and what comes next for Madison

 

Connect with Madison Blagden

Instagram & YouTube: @madisonblagden

Website: madisonblagden.com

Substack: substack.com/@madisonblagden

The Trek: thetrek.co/author/madison-blagden

 

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Hosted by Josh Self, financial advisor and everyday explorer.

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Check out this episode!

On Adventure: Lessons from the Edge

What Hurricane Helene Taught a Free Solo Climber About the Life You’re Already Living

Most of us will never free solo a 3,000-foot cliff on the Napali Coast or spend a night alone in the Appalachian wilderness with nothing but a pair of shorts. But Robbie Lenfestey — wilderness survival instructor, ecologist, and founder of Mandala Springs retreat center — would argue that every one of us is already standing on a ledge of our own. The question is whether we’ve trained our nervous system to meet the moment.

In his return to the On Adventure podcast, Robbie shared what happened when Hurricane Helene tore through his corner of the North Carolina mountains in the fall of 2024 — and how a lifetime of deliberately pushing his edges prepared him for the worst night of his life. Alone on his tractor in the pelting darkness, digging channels to divert floodwater from his structures, he felt massive boulders rolling in the creek bed and heard entire mountainsides give way in explosive cracks above him. Landslides were happening on every side. There was nowhere to go. And yet something inside him remained still.

That stillness, Robbie explains, is flow state — the same theta brainwave pattern found in master meditators and elite athletes. He first discovered it as a young man doing things most people would call reckless: free soloing without ropes, walking into the forest at night to navigate by sound and feel alone. What he learned is that when the stakes are absolute, the mind quiets itself. Thought drops away, and all that remains is the next move. Over decades, he turned what was once a byproduct of extreme risk into a skill he can access at will.

What the Everyday Explorer Can Learn

So what can the Everyday Explorer take from someone who has mastered the extreme?

Start with the Breath

Robbie points to one of the simplest and most underused tools available to any human being: conscious breathing with an emphasis on the exhale. Inhaling activates the sympathetic nervous system — the fight-or-flight accelerator. Exhaling engages the parasympathetic system, the body’s built-in brake. Simply slowing down and lengthening your exhale in a tense moment can shift your entire physiology. It’s kindergarten-level entry into something profound, and it works whether you’re standing on a cliff or sitting in a difficult conversation.

Build Emotional Intelligence Like a Muscle

Drawing on Internal Family Systems therapy, Robbie described the practice of stepping back from a triggered emotion rather than being consumed by it — creating enough separation to ask the feeling where it started. That flash of anger when your partner says something pointed? It probably has nothing to do with what was said and everything to do with a protective pattern wired in childhood. Working through those patterns doesn’t bury the emotion. It dissolves the hook so the emotion no longer hijacks the moment.

Protect Your Attention

In a world engineered to capture and commoditize human attention, Robbie sees reclaiming it as a quiet act of rebellion. Walking in the woods without a phone, practicing peripheral vision, engaging the senses in unfamiliar ways — these aren’t esoteric exercises. They expand the attentional capacity that makes flow state, presence, and deeper experience possible in ordinary life.

The Grief That Waited

Perhaps the most striking insight from the conversation is what happened six months after Helene, when a neighbor led a bonfire gathering and asked everyone to name what they had lost. Robbie — the man who had held everyone together through weeks of crisis — sat down on the ground and wept. The grief had been there all along, waiting for a safe moment to surface. Mastering the extreme doesn’t mean bypassing the human experience. It means developing the tools to move through it fully, on your own terms, when the time is right.

The real frontier, Robbie suggests, isn’t a cliff face or a hurricane. It’s the edge of what we’ve habitually come to believe is possible — and the willingness to step beyond it.