Simplify for a Better Return on Life

“Simplicity is the ultimate sophistication,” proclaimed an Apple Computer marketing brochure back in 1977. In the ensuing decades, Steve Jobs’ commitment to this ideal resulted in technology products that were as beautiful as they were easy use, and in Apple becoming one of the most valuable companies in the world.

The clutter we accumulate in our lives often prevents us from fully experiencing the adventure and freedom that life offers. At some point, our possessions can become chains, anchoring us and stifling our spirit of adventure. Think about how paring down to the essentials in these four areas could improve your Return on Life (ROL) and fuel your adventurous spirit.

1. Simplify your space.

Imagine your home as a base camp for your next adventure. Surrounding yourself with too much stuff can weigh you down and inhibit your readiness for new experiences.  Surrounding yourself with too much stuff can also have serious effects on your mental and physical health, including stress, depression, lack of focus, and higher risks of household injuries. Cleaning can have the opposite effects, filling you with positive feelings as you open up more physical space for yourself. As you organize things you want to keep and let go of those you don’t, you might feel nostalgia and gratitude for people and experiences that have enriched your life. And giving away items you’ve outgrown will make you feel good about helping someone else as you also make room for the exciting things that will be coming next.  I consider myself pretty simple and not materialistic, but every time I go to do a clean out, I realize just how much I like my stuff.  It is one thing to decide to simplify, but it is much harder work to actually do it.  Just remember that simplifying is not just about reducing; it’s about making space for what truly ignites your passion.

2. Simplify your schedule.

 Your calendar should be a roadmap to adventure, not a to-do list that leaves no room for spontaneity.  Despite your many personal and professional responsibilities, you probably have more control over your days than you realize. With a little forethought, it’s usually possible to make time for exercise, reading, or a quiet cup of coffee, especially if you incorporate some of these activities into your morning or bedtime routine. But if you really can’t find time for a run or a dinner date with your spouse for the ‘big rocks’ in your life, you might need to take a hard look at your whole schedule and reassess your priorities. Are you staying up too late and sleeping in longer than you should? Are you taking more meetings at work than you really need to?  If your schedule is constantly packed and stuck in the fast lane, there will never be space to chase your own great adventure.  Simplifying your schedule can open up opportunities to chase new experiences and explore uncharted territories, both literally and metaphorically.  As you probably know by now, I think having this pursuit is a must.

3. Simplify your thinking.

The running dialogue in your head that’s constantly dredging up regrets about the past and spreading anxiety about the future is robbing you of the present. It can be like fog on your path, obscuring the beautiful vistas ahead.  Incorporate mindfulness into your daily routine to keep yourself focused on what you can and will accomplish today. Try meditation, yoga, or deep breathing exercises to root your mind and body in the here and now. Keeping a gratitude journal can also help you appreciate all of the good things in your life instead of dwelling on negative thoughts.

4. Simplify your finances.

 What, ultimately, is your money for?  Truly, the only value of money is in its use.  Think of your finances as a toolkit for your explorations.

 Yes, we all have to pay the bills and provide the essentials for our families. But the way we use our money should also be tied to specific, actionable life goals and upcoming transitions. When we don’t earn, spend, save, and invest on purpose, our money tends to scatter across possessions we don’t really need, subscriptions we don’t really use, debt that we could have avoided, and short-term solutions to problems that will continue to linger in the long run. Vacations get skipped, old cars get older and more unreliable. Then, suddenly, your family has outgrown your home but you can’t afford to move, or your kids are looking at colleges you can’t pay for, or you and your spouse are both wishing you had the means to retire.

 When you eliminate what’s not essential, you’ll have more resources to commit to the people, places, and activities that make you truly happy. You can allocate more resources to experiences that bring joy and excitement. Want to have an authentic conversation about these things that really matter?  Schedule an appointment with us and let’s talk about how our Life-Centered Planning process can simplify complex financial issues and keep you and your money organized so you can pursue your own great adventure now.

 

 

Episode 27: Using adventure for self-discovery and feeling fully alive with Scott MacKillop


Welcome back to the On Adventure Podcast! I’m your host, Josh Self, and today I had the pleasure of speaking with Scott MacKillop, a seasoned financial professional and avid outdoorsman. Despite our shared background in finance, our conversation veered away from the boardroom and delved into the thrilling world of outdoor adventures. Scott shared how his passion for the outdoors was self-developed rather than instilled by his parents, and how fear serves as a clarifying force for him, whether on the mountain or in the boardroom.

Throughout our discussion, Scott talked about his extensive career, innovative achievements, and the invaluable lessons he has learned from pushing his limits in nature. From climbing Mount Kilimanjaro to the peaks of Colorado, Scott’s adventures have given him a profound sense of being fully alive, experiencing all emotions and embracing the challenges that come with pushing oneself to the edge. We also explored the significance of self-discovery and the joy of living, which Scott finds in every adventure he undertakes. This episode is packed with inspiration and insights into the intertwining of adventure and personal growth.

Timeline Summary:

  • [00:00] – Introduction to Scott MacKillop and his background in finance and outdoor adventures.
  • [01:00] – Scott’s unique perspective on fear and clarity.
  • [03:00] – Early life and the development of Scott’s love for the outdoors.
  • [06:00] – Memorable outdoor experiences and the influence of his childhood.
  • [14:00] – Transition from DC to Colorado and the role of running in Scott’s life.
  • [20:00] – Facing and overcoming physical and mental challenges in adventure.
  • [27:00] – Scott’s near-death experience during a solo hike in Colorado.
  • [35:00] – The mental aspect of pushing limits and setting goals.
  • [45:00] – Reflecting on past adventures and the continuous pursuit of new challenges.
  • [50:00] – Upcoming adventures and the importance of staying active.

Links & Resources:

 

Thank you for tuning in to this episode of the On Adventure Podcast. If you enjoyed this conversation, please rate, follow, share, and review the podcast. Your support helps us bring more inspiring stories to you. Until next time, keep pushing your limits and pursuing your own great adventures!

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Episode 26: Life is an Adventure, Plan for It with Terry Foxworth


Get ready for an exhilarating ride in this episode of the On Adventure Podcast, where I chat with Terry Foxworth. Terry’s journey is a testament to persistence, an unquenchable thirst for adventure, and a masterful balance between a professional career and an adventurous lifestyle. From the picturesque landscapes of South Carolina to the roaring rapids of whitewater kayaking, grueling ultramarathons, and the pristine slopes of skiing, Terry’s tales will ignite your adventurous spirit. We also dive into his epic cross-country bicycle journey with his daughter, filled with highs, lows, and unforgettable memories. Tune in and let Terry’s stories inspire your next adventure!

Timeline Summary:

  • [00:04:18] Terry returns to Asheville and recounts the challenge of navigating a massive snowstorm.
  • [00:05:20] Unpacking connections with Brew Davis, a mutual friend from university days, and how these relationships fuel adventure.
  • [00:09:00] Terry’s educational journey and the pivotal experiences that shaped his career and love for the outdoors.
  • [00:27:01] Growing up in South Carolina: How a small-town boy developed a passion for adventure.
  • [00:36:00] The life-changing backpacking trip in the Smokies that sparked Terry’s lifelong love for the great outdoors.
  • [00:42:00] Diving into Terry’s whitewater kayaking adventures and his transformative move to Greenville.
  • [00:56:00] Josh shares a thrilling tale of a backpacking trip with his son, filled with unexpected lessons.
  • [01:12:00] The epic story of Terry’s cross-country bike trip with his daughter: Planning, perseverance, and priceless memories.

Links & Resources:

Closing Remark:

If you enjoyed this episode, please rate, follow, and review the On
Adventure Podcast. Share it with friends and family who might find Terry’s
story as inspiring as we did. Join us next time for more incredible
journeys and motivational tales!

 

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Episode 25: From the Shadows to the Spotlight with Joe Gray


In this episode of the On Adventure Podcast, I sit down with Joe Gray, an exceptional athlete who turned challenges into triumphs. Joe shares his journey from growing up in Nashville, Tennessee, and attending the Tennessee School for the Blind to becoming a world-class athlete. With the support of dedicated mentors and his unwavering determination, Joe excelled in wrestling and track and field, eventually competing at the Paralympics. His story is a powerful testament to resilience, mentorship, and the pursuit of dreams.

Timeline Summary:

  • [00:00] – Introduction to Joe Gray and his inspiring journey.
  • [00:01] – Joe’s early life in Nashville and attending the Tennessee School for the Blind.
  • [00:04] – Coping with visual impairment and developing an adventurous spirit.
  • [00:10] – Transition to high school sports and excelling in wrestling and track.
  • [00:16] – Competing in the Youth World Championships and facing international competition.
  • [00:25] – Setting a world record in the 4x100m relay and the realization of his potential.
  • [00:32] – Challenges of training and maintaining top performance while seeking sponsorships.
  • [00:39] – Transitioning from athlete to coach and starting Sight School with Lex Gillette.
  • [00:52] – Organizing ski trips for visually impaired students and the impact on their lives.

Links & Resources:

Closing Remark:

If you enjoyed this episode, please rate, follow, and review the On Adventure Podcast. Share it with friends and family who might find Joe’s story as inspiring as we did. Join us next time for more incredible journeys and motivational tales!

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Episode 24: Stories Rather Than Regrets with Pete Ripmaster


Welcome back to the On Adventure podcast! In today’s episode, we have an inspiring and candid conversation with Pete Ripmaster. Pete, now a seasoned ultra-endurance athlete, shares his journey from the highs and lows of his athletic pursuits to his personal battles and triumphs. In fact, it all started with a Couch-to-Marathon run, and he kept going from there!  We delve into his history, including the incredible feat of winning the 1,000-mile Iditarod Trail Invitational on foot (in February!), his adventures in Alaska, and the lessons learned from pushing beyond the limits. Pete’s story is a testament to resilience, passion, and the relentless pursuit of one’s dreams.

Pete’s philosophy of “stories rather than regrets” is evident in his approach to ultra-running. Whether he’s tackling organized races or his unique “homemade 100’s,” Pete’s willingness to suffer and push through mental and physical barriers is key to his success. His adventures showcase the power of perseverance and the rewards of stepping outside your comfort zone.

Join us as we explore:

  • Pete’s early life and the pivotal moments that shaped his path
  • The transition from the couch to a marathoner to an ultra-endurance runner
  • The mental and physical challenges of running the Iditarod Trail Invitational
  • Pete’s “homemade 100’s” and what drives him to create his own ultra-endurance challenges
  • Insights into the world of ultra-running and the community around it
  • Pete’s future aspirations and what drives him to keep pushing forward

This episode is packed with raw and heartfelt reflections that will leave you inspired to tackle your own adventures. Don’t miss out on this incredible journey with Pete Ripmaster!

Episode Highlights:

[00:00] Introduction to Pete Ripmaster and the essence of today’s episode

[02:28] Pete’s background and his self-identity as a runner, husband, and father

[10:00] Reflections on Pete’s childhood and the significant impact of his family

[18:00] The pivotal moment and the transition from a wild lifestyle to purposeful living

[24:05] Pete’s first impromptu marathon and the beginning of his running journey

[32:00] The decision to run 50 marathons in 50 states and raise funds for breast cancer research

[38:00] Delving into ultra-running: from 50K to 1,000 miles

[46:00] The challenges and triumphs of the Iditarod Trail Invitational

[53:00] Pete’s “homemade 100’s” and his drive to create unique endurance challenges

[57:00] The mental game in ultra-endurance sports and pushing through limits

[01:03:00] What’s next for Pete after ultra-running

Links & Resources:

Thank you for tuning into this episode with Pete Ripmaster! If you enjoyed our conversation, please rate, follow, share, and review the podcast. Your support helps us bring more inspiring stories to light. Keep pursuing your great adventures, and we’ll catch you in the next episode!

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Episode 23: Endurance Unleashed: From UltraMan to Personal Revelations with Van Fletcher


Welcome back to another episode of the On Adventure Podcast, where I dive deep into the extraordinary tales of endurance and personal growth, probing why everyday explorers continue to push their own limits. In this episode, I reconnect with Van Fletcher, a dad, a real estate professional, and, oh yeah, a world class triathlete AND an ultraman competitor.

Van’s story isn’t just about physical endurance; it’s a profound journey of resilience, community, and self-discovery.  This episode is a testament to the human spirit’s capacity to endure and thrive, no matter the challenge. Van Fletcher’s journey is sure to inspire not just athletes but anyone looking to overcome their personal barriers.

Episode Highlights:

  • [00:00] Welcome: I introduce Van Fletcher, my first repeat guest, discussing his recent adventures and astounding achievements in the Ultraman Florida—a race that pushes human limits with its extreme distances.
  • [10:12] Trials and Triumphs: Van shares his rigorous experiences and the emotional rollercoaster of participating in high-endurance races, including Ironman events and the mental strategies needed to overcome unexpected obstacles.
  • [22:00] Community and Support: The critical role of community in endurance sports. Van emphasizes how his crew’s support and camaraderie were pivotal in his successes and overcoming the daunting challenges of Ultraman.
  • [35:00] Physical and Mental Resilience: Insights into Van’s training regimen and how overcoming injuries and personal setbacks have shaped his approach to racing and life.
  • [45:00] Beyond the Finish Line: Van discusses the broader impact of his racing career on personal growth and his future aspirations in the world of endurance sports.

Links & Resources:

Closing Thoughts: If today’s journey through extreme endurance and personal triumphs inspired you, remember to rate, follow, and share the podcast. Your support helps us bring more such inspiring stories. Until next time, keep pushing your limits and exploring your own great adventure!

 

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Episode 22: Beyond the Summit: Exploring the Depths with Kenton Cool


*Credit Elia Saikaly – Kenton on the Everest summit

In this episode of the On Adventure Podcast, I sit down with Kenton Cool, a legendary high-altitude climber with an incredible record of Everest ascents and a storied career in mountain exploration. Dive into a conversation that explores not only the physical heights of the world’s most formidable peaks but also the profound depths of personal ambition, resilience, and self-discovery.

Episode Highlights:

  • [00:02:22] – Kenton recounts the challenges and thrills of achieving the Everest Triple Crown, offering a vivid glimpse into the life of a high-altitude climber.
  • [00:13:00] – Discover Kenton’s unique approach to leadership and team-building in extreme conditions, drawing from his extensive experience as a guide and speaker.
  • [00:22:13] – Delve into the ethos behind Kenton’s climbing philosophy—how passion, mindset, and the power of setting goals propel him forward.
  • [00:35:45] – A reflective moment as Kenton shares how his personal life, particularly fatherhood, reshapes his perspectives on adventure and the sacrifices it entails.
  • [00:47:28] – Hear about Kenton’s transformative experiences with local cultures and communities, enriching his journeys and broadening his world view.

Links & Resources:

If you enjoyed this episode, please consider rating and reviewing our show on your favorite podcast platform. Share with friends and fellow enthusiasts who might enjoy diving into the world of all-things adventure! Your support helps us bring more inspiring and enlightening content. Thank you for joining us, and keep seeking your adventures!

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Episode 21: No way out but through with Robbie Lenfestey


Episode Summary

In this captivating episode of the On Adventure podcast, host Josh Self interviews Robbie Lenfestey at his remarkable retreat, Mandala Springs, located in the scenic mountains outside Asheville, North Carolina. Robbie, a man of profound wisdom and thrilling life experiences, shares his extraordinary adventures that have taken him from being kidnapped in Argentina to climbing the towering peaks of Aconcagua and encountering the renowned breath expert, Wim Hof.

The conversation opens with Robbie recounting his unexpected yet transformative journey through Argentina, where a planned permaculture internship turned into a gripping survival scenario involving a 10-day cattle drive gone awry. Robbie’s vivid storytelling transports listeners to the rugged wilderness of Patagonia, where he faced extreme weather, navigated cultural challenges, and ultimately had to escape from a dangerous situation instigated by an eccentric and irresponsible billionaire. This adventure culminated in Robbie, driven by necessity and fueled by his indomitable spirit, becoming one of the youngest people to solo climb Aconcagua, facing not only physical extremes but also profound personal realizations about his limits and capabilities.

The episode peels back the layers of Robbie’s adventurous spirit, exploring how his early life challenges and unconventional childhood experiences primed him for a life filled with exploration and self-discovery. From tales of his harrowing experiences in the wild to his philosophical insights on overcoming personal traumas and societal expectations, Robbie offers an introspective look into how embracing the unknown has profoundly shaped his understanding of himself and his approach to life.

Listeners are treated to a journey that is as introspective as it is exhilarating, making this episode a must-listen for anyone interested in how extreme experiences can lead to profound wisdom and personal growth.

Episode Timeline

  • [00:01:00] – Robbie’s gripping journey from kidnappings in Argentina to climbing Aconcagua and meeting Wim Hof.
  • [00:15:00] – Delving into Robbie’s childhood, exploring the formative experiences that shaped his adventurous spirit.
  • [00:30:00] – Robbie reflects on his emotional and spiritual growth, triggered by his battles with illness and societal expectations.
  • [00:45:00] – Insights into Robbie’s perspective on personal growth through extreme challenges.
  • [01:05:00] – A detailed recount of Robbie’s near-death experiences and their transformative impacts on his life philosophy.
  • [01:25:00] – Robbie discusses the profound lessons learned from living closely with nature and the importance of ecological awareness.

Links & Resources

  • Mandala Springs: Discover more about the magical retreat discussed in this episode. Mandala Springs Website
  • Aconcagua Adventures: Learn more about the mountain that marked a pivotal moment in Robbie’s life. Aconcagua Official Site
  • Wim Hof Method: Explore the breathing techniques and philosophy taught by Wim Hof that Robbie encountered. Wim Hof Method Official Site

Closing Remarks

If you found today’s episode enlightening, don’t forget to rate, follow, and share On Adventure to help us bring more thrilling tales and profound insights to you. And if Robbie’s story inspired you, consider leaving a review to help others discover the podcast. Happy adventuring!

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Episode 19: Sketching Summits with Heidi Nisbett


In today’s episode of the On Adventure Podcast, we took a deep dive into the great outdoors with the remarkable Heidi Nisbet. Heidi is a friend of a friend, but by the end of the conversation, I felt like we had known each other forever.  We gravitate toward a similar tribe.  As someone who shares my passion for the Appalachian Trail, Heidi brought a fresh perspective on merging art, adventure, and personal growth through her experiences on and off the trail. From her transformative journey of self-discovery to integrating her love for nature with her artistic talent, this episode is packed with insights that outdoor enthusiasts and creatives alike won’t want to miss.  And by the way, you HAVE to check out her work…link is below!

Episode Highlights:

[00:01:00] – A Creative Soul Finds Her Trail: Discover how Heidi, originally not considering herself an outdoors person, embraced her creative spirit and love for the Appalachian Trail, transforming her life in unexpected ways.

[00:02:27] – The Art of Nature: Learn about Heidi’s unique approach to combining her artistic talent with her passion for hiking, leading to a fulfilling career that blurs the lines between work and play.

[00:10:00] – Art, Identity, and the Great Outdoors: Heidi shares her journey from childhood creativity through academic challenges to finding her identity on the trail and in her art, highlighting the intrinsic connection between nature and creativity.

[00:15:00] – Making Adventure Sustainable: Insights into how Heidi has crafted a life that allows her to pursue her passions while making a living, including guiding hikes and teaching art in the wilderness.

[00:20:00] – Favorite Trails and Future Plans: Heidi reveals her favorite sections of the Appalachian Trail and discusses future hiking and artistic projects, offering a glimpse into her adventurous and creative future.

[00:30:00] – The Transformational Power of Hiking: A reflection on how hiking the Appalachian Trail served as a catalyst for personal growth, challenging Heidi to rethink her capabilities and aspirations.

[00:45:00] – Blazing New Trails with Art: An exploration of Heidi’s upcoming projects, including a special hiking and painting collaboration that promises to bring her passions to new heights.

Links & Resources:

As we close today’s episode, I’m reminded of the limitless potential that lies in combining our passions with our professions. Heidi’s story is a testament to the power of following one’s heart and the beauty of the paths it can lead us down.

If you enjoyed this episode, please remember to rate, follow, share, and review the podcast. Your support helps us bring more inspiring stories like Heidi’s to you. See you on the next adventure!

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What To Teach Your Kids (and Adults) About Investing

Providing for your children’s education is an important part of your financial plan. But, for the most part, that education won’t teach your children very much about basic financial literacy. The money lessons that kids learn from their parents can help to fill that gap and instill habits that will improve their Return on Life.

 

You can teach these three simple financial lessons to your kids with activities that illustrate the basics of financial planning.  And remember the quip, ‘Everything I need to know, I learned in Kindergarten’?  Same goes for the principals of good financial planning, so these lessons are still good for us adults to hear regularly as well.

 

  1. “Pay yourself first.”

 

Many families have a rule that X percent of any money a child earns for chores or receives as a gift has to go into a custodial account. This is a good way of helping kids understand the importance of investing in their futures.

 

However, many parents don’t take the essential next step of showing kids how their savings have grown over time. This can create awkward feelings around money and make it hard for kids to appreciate the end result of their responsible behavior. Just updating a simple spreadsheet together after a big birthday deposit can give kids a greater sense of control and deeper feelings of satisfaction around how they’re handling their money.

 

  1. “Money makes money.”

 

Your kids have probably learned about Ben Franklin flying a kite in a lightning storm. You can teach them Franklin’s lesson about the magic of compound interest: “Money makes money. And the money that money makes, makes money.”

 

Thanks to higher-than-usual interest rates, your child’s custodial savings account might be providing a good lesson on compounding right now. It’s also a great time to shop around for a new savings account as many banks are offering higher rates to entice new customers — especially online.

 

Most financial institutions also allow parents to open custodial brokerage accounts for their children, which can be another option for those special self-payments. Some brokerages also sell shares of companies that kids will recognize, like Disney, as a physical framed certificate. These gifts can help kids connect how they spend their time and money with an understanding of how the stock market creates and compounds wealth for shareholders.

 

Again, check in on these accounts every month or every quarter and show your child how their money is doing. Down periods are an opportunity to introduce the concept of volatility. Even modest losses might sting at first. But seeing their ROI move up and down over the course of a year will eventually help your kids get comfortable with managed risk. And if they start eying their toy shelf for other companies they might want to invest in, you can start talking to them about the power of diversification.

 

  1. “Plan ahead.”

 

Kids often think money works like a vending machine: swipe, tap, punch in some numbers, and what they want magically appears. Instant gratification is such a basic part of their lives that they rarely stop to think about where money comes from or how adults manage it to fulfill so many different needs. They see the end result, but not the plan.

 

Reviewing your monthly budget probably won’t hold your kids’ attention for very long. Instead, create new budgets that provide for both short-term and long-term goals that will interest your kids. Break down the cost of a new bike or video game over a couple weeks of allowance money. Or, show them your saving plan towards a big family vacation to illustrate how your financial plan provides for current needs while also progressing towards bigger goals.

We are always happy to help our clients have life-centered planning conversations with their children, especially older teens who are starting to earn their own money. Give us a call and let’s start your kids on a path towards a healthy relationship with their money.