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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What Does Financial Independence Mean to You?

According to a recent poll of 2,000 U.S. adults, “financial independence” equates to earning $94,000 per year, or about $20,000 more than the median income in 2023.

Some folks might feel like they’re just a promotion or two away from achieving that kind of independence. Others might not feel like $94,000 isn’t enough to feel truly free. And still others might wonder how they’d ever spend that much money in the first place.

 That’s because true financial independence isn’t a number. So if it’s not a number, then what is financial independence?   

It’s feeling confident enough in your money to do things that will improve your Return on Life, such as:

1. Spend without worrying

In our experience, it’s true that money can’t buy happiness. But it’s also true that being able to treat yourself and your family without worrying about paying your credit card bill at the end of the month is a pretty great feeling as well.

No matter how much you’re earning, setting a monthly spending budget can help you cover your necessities, contributes to your retirement goals, and have a little fun along the way. A budget can also help you plan ahead for responsible “big ticket” splurges, like a dream vacation or adding a pool to the backyard.

2. Enrich your children

Unless your kids love spending a lot of time at the local library, enrichment isn’t free. According to Lending Tree, parents spent an average of $731 per child per year on extracurriculars. You might spend thousands of dollars every year on a good athlete or ballerina through their teenage years … which is when the bills really start rolling in. The average cost of a year of college for the 2023-24 school year is $10,662 at an in-state public school, and $42,162 at a private school. This is for tuition ONLY…room and board will be in addition, and if you haven’t noticed, rent cost is much higher now than it used to be!

Parents might not feel truly free until they’ve passed that big COLLEGE goal until the last payment has been made. But with that goal in sight, we can help you start planning a combination of savings and investments that will reduce some of the sticker shock when the time comes. And by including some of your children’s activities in your budgeting and long-term plans, you might be able to sign them up for a few extra classes that round out their development or allow them to dig more deeply into their passions.

3. Change careers

Once upon a time, your high school guidance counselor might have challenged you to imagine what you’d do for a job if you didn’t need money. Setting aside your teenage dreams of being a rock singer or astronaut, do you have the means to make that switch right now?

Well, if money isn’t stopping you, then what is?  Is it time to re-train and re-tool for Career 2.0 or 3.0?

Taking a lower-paying job at a company or charitable organization that does work you admire could give you an opportunity to put your professional skills to their highest uses. Rather than trying to climb a ladder or earn a bigger paycheck, you can focus on the mission at hand and the people and causes you’ll be impacting.

4. Retire

Or maybe you’re feeling independent enough to stop working all together.

Folks who plan their retirement around hitting some arbitrary financial number often put off retirement longer than they need to. Remember, financial independence isn’t a number. 

Seeing how your plan can make your retirement possible while also providing for long-term goals like vacationing or relocating could give you the security you need to feel financially independent. Want to discuss this further?  Reach out to me and let’s start planning to earn more Return on Life (ROL) and more freedom from your money.

Q3 Letter To Clients

Do you ever stop to smell the roses, literally?  As we transition from the vibrant days of spring into the warmth of summer, it’s a wonderful time to pause and reflect on the beauty that surrounds us. Whether it’s the blooming gardens, the long sunny days, or the simple pleasure of an evening walk, I encourage you to take a moment to appreciate the small joys of the season.  These have a way of putting the world’s crazy into perspective, which is necessary if we are going to stay happy, healthy individuals for all our days.

Market Overview

So let’s talk a little ‘crazy’…As we enter the third quarter of 2024, we find ourselves in a financial environment marked by both challenges and opportunities. Year to date, it seems that diversification is missing out on huge gains coming from just a few stocks. Not only have many broad markets delivered gains from acceptable to amazing, but there has also been the usual assortment of sizzling stocks like NVIDIA (NVDA), and tantalizing new products like crypto ETFs to distract us with their dazzle.

Strong market performance is welcome news. But at least in the wider investment world, we’re likely to see a different kind of response that isn’t as welcoming: Instead of fleeing the downturns, restless market players may be tempted to chase after speculative trends, no matter how closely they resemble past Fear of Missing Out (FOMO) frenzies.  There’s almost always something alluring and allegedly unprecedented to fuel our FOMO. But before you go all-in on the most recent high-flyers, remember:

The latest innovations are often very real, remarkable, and potentially game-changing forces in our lives. But the manner in which capital markets absorb these forces and convert them into long-term returns is far more constant.

Which reinforces why our own refrain remains the same whether markets are up or down:

Neither hot nor cold streaks among stocks, sectors, or markets give us good reason to abandon an otherwise well-built portfolio.

Staying the Course

It’s natural to feel anxious during periods of uncertainty, but it’s crucial to remember that our financial plan is designed to withstand these fluctuations. History has shown that markets tend to recover and grow over time, despite periodic downturns. Our diversified approach to investing is intended to mitigate risk and provide a stable foundation for your financial future.

This is why we still advise building and maintaining a low-cost, globally diversified investment portfolio aimed at your personal long-term goals. This, despite the cognitive traps laid by the most recent rounds of FOMO. As Nobel laureate Daniel Kahneman reportedly observed quite bluntly:

“If you think you’re an expert on picking stocks, then you should be fabulously rich. If you’re not, you’re probably not.” — Daniel Kahneman

Controlling What You Can

Now on to the ‘happy and healthy’ part…While we cannot control the markets or political developments, we can control how we respond to them. It’s essential to focus on the aspects of life that are within our power to manage. One such area is aligning our lives with our values and priorities. Living according to what truly matters to you can provide a sense of purpose and fulfillment that transcends financial concerns.

One way to foster this alignment is by integrating movement and adventure into your daily routine. Research has consistently shown the profound benefits of physical activity on both physical and mental health. It has become very clear that regular physical activity and engaging in adventurous activities can significantly enhance one’s healthspan—the period of life spent in good health, free from chronic diseases and disabilities.

The Value of Movement and Adventure

Engaging in physical activities, whether it’s trail running, hiking, or simply taking a walk in the park, can have a transformative impact on your overall well-being. Movement not only improves cardiovascular health, strengthens muscles, and boosts energy levels but also reduces stress and enhances mental clarity. Adventure, on the other hand, introduces an element of excitement and novelty that can invigorate the spirit and foster a sense of achievement.

Incorporating movement and adventure into your life doesn’t have to be a grand endeavor. It can be as simple as exploring a new hiking trail, trying a new sport, or setting aside time each day for a brisk walk. The key is to make it a regular part of your routine, allowing it to become a habit that supports your health and happiness.

Embracing Life’s Adventure

Beyond the physical benefits, adventure can also serve as a metaphor for how we approach life’s challenges and opportunities. Embracing adventure means being open to new experiences, taking calculated risks, and stepping out of our comfort zones. It’s about seeing life as a journey filled with possibilities, rather than a series of obstacles to overcome.

As you navigate the complexities of the financial markets and the uncertainties of the world, we encourage you to adopt an adventurous mindset. Approach each day with curiosity and a willingness to explore. Trust in the financial plan we have crafted together, knowing that it is designed to support your long-term goals. And most importantly, prioritize your well-being by staying active and embracing the adventures that life has to offer.

In closing, we want to express our gratitude for your continued trust and partnership.  Let’s make this quarter a time of growth, both financially and personally. Embrace the beauty of the season, stay active, and approach each day with a sense of adventure. By focusing on the aspects of life we can control and maintaining a sense of adventure, we can navigate the uncertainties of the financial world with confidence and resilience. Thank you for allowing us to be part of your journey.

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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Top Outdoor Gear List for the Everyday Explorer

The Value of Pursuit: Adventure as a Catalyst for Mental, Spiritual, and Relational Growth

In the modern world, where routines dominate our lives and the digital screen often becomes our window to the outside, the pursuit of adventure might seem like a luxury. However, venturing into the unknown, or simply stepping out of our comfort zones, can serve as a powerful catalyst for mental health, spiritual growth, and interpersonal connections. If you have listened to my podcast with Robbie Lenfestey, you will know that I am referring to moving out of your ‘Comfort Zone’ and in to your ‘Growth Zone’.   Like a well-thought-out financial plan, an adventurous spirit not only prepares us for the uncertainties of life but also enriches our existence in profound ways.

But how do you do this in a healthy, thoughtful pursuit?  And what is there really to gain?

Adventure and Mental Health: The Return on Investment

The relationship between adventure and mental health can be likened to the principle of ‘risk and return’ in financial planning. Just as investors accept a certain level of risk to achieve potential gains, individuals can embrace adventure to reap significant psychological rewards. Engaging in new and challenging activities triggers the release of endorphins, the body’s natural mood lifters. This biochemical uptick can combat stress which leads to many more good things down stream.

Moreover, adventure acts as a form of behavioral activation. By pushing ourselves to engage in physical activities, whether it’s hiking up a mountain or kayaking down a river, we may break the cycle of inactivity that often accompanies certain mental health struggles. While there is no silver bullet, the effort invested in such activities can provide a valuable return in the form of improved mental resilience and a more vibrant sense of well-being.

Spiritual Growth: Compounding Interest in Our Inner Lives

You may be asking, ‘What does spiritual growth have to do with Adventure?’  Well, I’m glad you asked!  Spiritual growth through adventure can be viewed through the lens of ‘compounding interest’—a fundamental concept in financial growth. Just as small, regular investments grow over time through the power of compound interest, regular engagement with adventurous activities can lead to profound accumulations in spiritual wisdom and personal insight.

Adventures often place us in situations where we are dwarfed by the vastness of nature or the complexity of different cultures. I love this part!  These experiences can shift our perspective, making us more aware of the larger forces at play in our lives and the universe. And this can, and often does, mean something different to each of us.  Each adventure acts as a deposit into our spiritual bank, where over time, the layers of insight, humility, and connectivity accrue, enhancing our understanding of ourselves and our place in the world.

Building Interpersonal Connections: The Currency of Shared Experiences

This is the part of adventure I really like, even as a committed introvert!  The value of adventure in building and deepening relationships is immense. Shared experiences, especially those that involve overcoming challenges together, can act as a strong social currency. When we venture out with others, be they friends, family, or even strangers, the trials and triumphs experienced together are stored as shared capital. This capital, much like financial savings, can be drawn upon in times of need, providing a relational safety net when necessary.

Interpersonal relationships forged in the heat of shared adventures often exhibit a depth and resilience. They can be robust and capable of withstanding the ups and downs of life. I think this has been 100% for the most meaningful relationships in my life.  Moreover, the memories created become shared assets, cherished, and valued, strengthening bonds, and fostering a sense of community and belonging.

Implementing Adventure in Your Life: Starting Small

Incorporating adventure into one’s life does not necessarily mean scaling Everest (although, for my podcast guest, Kenton Cool, it does mean this!) or sailing solo across the Atlantic. It begins with small steps outside one’s Comfort Zone and into the Growth Zone. This could be as simple as trying a new hobby, traveling to a different part of town, or engaging in a local cultural event.

The pursuit of adventure is more than just an escape from the mundane; it is a strategic investment in our mental, spiritual, and interpersonal health. Each adventure, whether big or small, acts as a deposit in our holistic well-being, yielding returns that enrich our lives immeasurably. Just as wise financial planning ensures economic security and growth, a life planned with regular doses of adventure can move one toward a rich, vibrant, and profound human experience. Embrace the unknown and pursue your great life now!

Giving While Living

If charity is part of your legacy plan, the best time to start giving back could be right now. Spending on other people is one of the most rewarding ways we can use our money. And seeing your generosity in action might give you some ideas on how to improve your legacy planning and Return on Life for your beneficiaries.

Here are three ways you can kickstart your legacy plan and take a more active role in your long-term charitable goals.

Solve a local problem.

The issues in the world are so great right now that many smaller concerns can slip through the cracks. Somewhere in your community right now there is a park in disrepair, a vital organization or program that’s hurting for funds, or a group of people whose needs aren’t being met. You could coordinate with other concerned citizens and local leaders on an action plan or start your own charitable organization that’s focused on filling that void. If your initial efforts fall short, or if solving one problem reveals more issues, you can recalibrate your plans — and your giving strategy — in the service of more permanent solutions. Being a force for positive change in your community might even inspire similar acts of charity and kindness among your neighbors.

Donate your time.

Charities depend on passionate people almost as much as they depend on donations. Whatever your professional background may be, it’s likely that there’s a cause that can benefit from your skills and knowledge during a few weekly volunteer shifts. If you’re also donating to a place where you volunteer, you’ll gain a “behind-the-scenes” perspective on how your money is being spent, and perhaps on ways that the organization could be using its resources more effectively. And if you’re still working full time, volunteering can also be a great glide path during your transition into retirement. As your career begins winding down, you can use your charitable goals to create a new retirement schedule that will keep you active and engaged.

Empower your loved ones.

Depending on the laws in your place of residence and what your giving goals look like, there are many options for distributing your wealth to your heirs. You might consider outright gifts, such as helping with the downpayment on a house or car. If grandchildren are on the way, you might open savings or investment accounts in their names. If you’re considering leaving behind a sizable amount of money to an adult relative, gift them a smaller amount and see how responsibly they manage their “pre-inheritance.” Perhaps your generosity will open up opportunities for you to pass on some of your wisdom around gaining, managing, and growing wealth. Or, you might decide that rather than leaving money to loved ones directly, a family trust might be a more efficient way to preserve your wishes.

You could also establish a family charitable organization and start involving your heirs in its management. Have a family conversation about the causes that are nearest to your heart and how you can use your family’s resources to make a lasting impact. More than just leaving money to your loved ones, you’ll also be leaving them with a real sense of purpose and a deeper understanding of what was really important to you.

Charitable giving of any kind will raise some important financial planning issues, starting with the tax ramifications for you, your estate, and your beneficiaries. Establishing trusts or family charities will require even more complex planning. We can help you clarify your charitable goals so that we can work together on the best strategies for preserving your legacy.

 

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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Q2 Letter To Clients

Market Summary: A Look Back at the Last Quarter

 

As we wrap up another quarter, it’s essential to reflect on the stock market’s performance and how it has impacted our investment strategies. The last three months have been a period of moderate volatility, influenced by various global economic factors, including adjustments in monetary policies by central banks, geopolitical tensions, and ongoing adjustments to the post-pandemic economic recovery. Despite these challenges, certain sectors have shown resilience and even growth, presenting new opportunities for diversified portfolios. As always, our focus remains more on making sure your financial plan stays on track rather than focusing on short term market movements.

 

The Upcoming Tax Deadline: Act Now

 

With the tax filing deadline swiftly approaching, we want to remind everyone of the importance of either filing your tax return or securing an extension on time. This year, the deadline for submitting your taxes is April 15. Early preparation can not only save you from last-minute stress but also provide ample time to explore potential tax-saving strategies. Our team is ready to assist with any questions or concerns you may have about your tax situation. Remember, being proactive with your taxes is not just about meeting deadlines; it’s about optimizing your financial health.

 

Spring Into Nature: The Adventure Awaits

 

As financial planners, we often emphasize the health of your investments and financial well-being. However, your personal health and happiness are just as crucial. This spring, we encourage you to be intentional about spending time in nature. Immersing yourself in the great outdoors is not only refreshing but is also a fantastic way to recharge your mental and emotional batteries. When planning your adventure, consider three key components: preparation, presence, and preservation.

  • Preparation involves choosing the right gear and understanding the environment you’ll be exploring.
  • Presence is about fully experiencing the moment, whether it’s a quiet walk through the woods or a challenging hike up a mountain.
  • Preservation means respecting the natural beauty around you, ensuring it remains untouched for future adventurers. Let’s embrace the spring season with a sense of adventure and a commitment to our well-being.

I also want to make a point to highlight our recent office move.  You can find our team at 7500 Six Forks Rd, Suite 100, Raleigh, NC 27615.  Thankfully, we didn’t have to go far as we are just across the street from our old address.

As we move forward, let’s remember that our financial goals are not just about numbers on a page; they’re about enabling the life we want to lead and the adventures we wish to embark upon. Our team is here to support you in all aspects of your financial journey, from navigating market trends to planning your next nature getaway. Here’s to a prosperous and adventure-filled spring!

 

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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