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.

On Adventure: Lessons from the Edge

Highlights from Recent Episodes of the On Adventure Podcast

By Josh Self

There are lessons that only come at a cost. They show up in the middle of something hard—when you’re out of breath on a ridgeline, sitting across from a family receiving the worst news of their life, or listening to thunder echo through a gorge from inside a tent. In our two most recent episodes of the On Adventure Podcast, I sat down with a neurosurgeon and a bishop whose stories remind us that the edge—wherever we find it—is where the real formation happens.

The Surgeon Who Learned to Stop

Dr. Hilal Kanaan is a neurosurgeon in Greenville, North Carolina and the son of Palestinian immigrants who rebuilt their lives in Kalamazoo, Michigan after his father was expelled from the West Bank. Hilal grew up with hardship in the background—never the whole picture, but never erased. His parents walked a fine line between honoring their roots and letting their boys be fully American.

That tension shaped his own approach to fatherhood. When his kids asked for a book about religion, Hilal didn’t hand them the Quran. He wrote them one—eight pages, hardcover, titled A Book About God. Its message: be kind, express gratitude, and know that people of different faiths are simply using different languages to say the same thing.

But the moment that stopped me cold was a story from early in his career. He’d taken on a tough surgery, made a decision that made it tougher, and suddenly found himself guiding a patient toward death. He told himself: stop. Ask for help. You’re making it worse. The surgeon he called came in without accusation, focused entirely on the patient, and saved a life. From that day on, Hilal said he wanted to become the doctor others would call when they were in trouble. He still walks the hospital thinking, “When I grow up, I want to be like him.”

That kind of humility—the willingness to stop and ask for help—is one of the hardest skills to develop, whether you’re in an operating room or on a mountain. And when I asked Hilal what he’d say to someone in a season of real hardship, his answer was simple: your feelings are valid. This is not the rest of your life. And you are not alone.

The Bishop Who Kept Walking

Bishop Mark Beckman, the fourth bishop of the Diocese of Knoxville, has been pairing faith and the outdoors since a young parish priest took his youth group hiking at David Crockett State Park. Early in his priesthood, on a Good Friday, he walked into a forest at Radnor Lake and found the floor carpeted in spring wildflowers. He thought: where have I been all my life? That was over thirty years ago, and he has never stopped walking.

His greatest physical journey was the Camino de Santiago—500 miles across Spain over six weeks. He learned that the first third is a physical challenge as your body adapts to the pain. The middle, the Meseta, is flat and monotonous, and the struggle becomes spiritual: enduring the ordinariness. His daily prayer was simple: God, help me to see today with my eyes. Help me to hear, to smell, to taste, to touch. When someone later asked if he’d just picked the best days for his photos, he answered: every day had its own beauty.

One of the most striking moments in our conversation was a story from the Grand Tetons. Bishop Beckman was sitting on a bench with an agonizing toothache, and his first instinct was self-pity. But as he kept breathing and looking, something shifted: if I’m going to be in pain, I’m grateful I can look at something this beautiful while it’s happening. That night, instead of fighting the pain, he simply noticed each sensation—breathing in and out—and found a peace deeper than the suffering. It’s a lesson I keep coming back to: suffering equals pain plus resistance. Lower the resistance, and something opens up.

What the Edge Teaches Us

These conversations left me with a few lessons I keep turning over. Humility is strength—knowing your limits and acting on that knowledge is one of the bravest things a person can do. The best lessons cost something—a family’s displacement, blisters on the Camino, a failed surgery. Monotony is its own wilderness, and the answer isn’t escape but presence. Community makes the summit possible—Bishop Beckman wouldn’t have reached that Colorado fourteener without friends beside him, and Hilal wouldn’t have saved his patient without the willingness to call someone. And if you’re in the middle of something hard: you are not alone, and this is not forever.

Stay safe and stay on adventure.

— Josh

On Adventure: Lessons from the Edge

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

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

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

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

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

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

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

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

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

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

On Adventure: Lessons from the Edge

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

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

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

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

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

Lisa Decker – Doing It the Right Way

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

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

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

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

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

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

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

Mike Wardian – Seeking the Edge on Purpose

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

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

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

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

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

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

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

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

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

Vincent Antunez – When the Real Battle Is the Mind

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

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

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

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

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

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

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

The Shared Lesson: Endurance Is a Teacher

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

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

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

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

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

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

 

On Adventure: Lessons from the Edge

Every adventure is shaped by the person you become along the way. Over the past few weeks on the On Adventure Podcast, I’ve had three guests whose stories remind us that endurance isn’t just for the ultramarathoner, creativity isn’t limited to artists, and purpose doesn’t fade with age. Whether you’re chasing a mountain summit or simply trying to live your great life right now, there’s something here for every Everyday Explorer.

Lisa Smith-Batchen – Growing Into Greatness

When Lisa joined me on the show, she talked about what it means to age with purpose and how greatness is something we grow into, not something we’re born with. A legendary ultrarunner and coach, she’s spent four decades helping others find their “why.” Yet what struck me most wasn’t her resume of Badwater finishes or her coaching accolades—it was her humility.

Lisa believes we start out average, grow to good, and—through years of work and grace—arrive at great. She reminded me that greatness doesn’t disappear when the podiums do; it just shifts shape. For anyone feeling like their best miles are behind them, Lisa’s story is proof that you’re still the same explorer—you’ve just found new trails to run.

Tom Kubiniec – Claiming Your Own Authority

Tom’s adventure started on a different stage: under the bright lights of Los Angeles rock clubs. A former heavy-metal guitarist turned entrepreneur, he eventually became the “gun-storage guru” leading a global security company. His story is a master class in reinvention and risk-taking.

When a U.S. Army colonel once asked who he was, Tom boldly replied, “I’m the leading authority in small-arms storage and armory design.” At the time, he wasn’t—but he became it. His lesson to the rest of us? Sometimes you must stake a claim before you’ve earned it, then back it up with relentless learning and integrity.

Tom also spoke about embracing failure as fuel for innovation. At his company, the motto is “fail fast.” For the Everyday Explorer, that’s a reminder that forward motion often begins with falling down—then standing back up with new wisdom and another idea.

Vincent Antunez – Endurance as a Teacher

Vincent’s story weaves together service, resilience, and quiet perseverance. A retired Army Major and physician assistant, he spent more than three decades in uniform before turning his focus to ultra-endurance racing. From the Vol State 500K to multi-day stage races across the desert, Vincent has learned that the real battle isn’t with blisters or heat—it’s with the mind.

He told me the “three Bs” that can take you out of any race: belly, balls of your feet, and brain. The last one, he said, is the hardest to overcome. His solution? Keep an optimistic outlook, one step at a time. For Vincent, endurance has become his greatest teacher—shaping how he views pain, humility, and what it truly means to finish strong.

Keep Moving Toward Your Own Great Life

Lisa, Tom, and Vincent couldn’t be more different in background, yet their paths converge on a shared truth: growth happens at the edge of discomfort. Whether you’re building a business, raising a family, or running your next race, the lessons from these three explorers are clear—keep learning, keep adapting, and keep putting one foot in front of the other.

Listen to their full conversations on the On Adventure Podcast—and keep chasing the life that calls you forward.

Recent interest rate cuts: What they mean for savings, mortgages and cash management

The Federal Reserve recently cut its benchmark interest rate by 25 basis points, lowering the federal funds rate to 4.00% from 4.25%. This September 2025 Fed rate cut was widely expected, reflecting slower job growth, rising unemployment, and inflation that remains above target. The move signals a cautious shift: the Fed wants to support the labor market to keep people employed without reigniting inflation.

Why the Fed cut rates

Inflation in services has stayed sticky even as the broader economy shows signs of cooling. By trimming rates, the Fed is aiming to balance recession risks with its commitment to long-term price stability (known as the Fed’s Dual Mandate). Markets had largely priced in this cut, and future policy moves will likely hinge on labor market data and inflation trends.

Impact on savings accounts and money market rates

Here is where the rubber meets the road.  For savers, Fed cuts often translate into lower yields on savings accounts and money market funds. Online banks and credit unions may hold rates higher to remain competitive for a short period, but traditional deposit accounts usually adjust downward within months, if not immediately. Money market funds tend to react fastest, since they are directly tied to short-term rates.

This makes it essential for savers to compare account yields regularly. As rates decline, holding cash in a low-interest account could mean leaving money on the table.

Cash management programs

To maximize returns, many investors are turning to cash management programsOne such example is Flourish Cash. These platforms sweep deposits into a network of FDIC-insured banks, offering:

  • Competitive, high-yield savings alternatives without fees or minimums
  • Extended FDIC protection beyond the standard $250,000 limit due to the number of banks involved in the sweep program
  • Daily rate adjustments that track prevailing market conditions
  • Liquidity and flexibility, allowing easy transfers in and out

Programs like Flourish Cash are designed to help cash balances earn more in both rising and falling rate environments. When rates go up, program yields can reset higher. When rates fall, these programs still provide better returns than most traditional checking or savings accounts, making them a valuable part of cash management in 2025.

Mortgage rates and refinance opportunities

A common misconception is that mortgage rates fall directly with Fed cuts. In reality, 30-year mortgage rates are tied more closely to long-term Treasury yields and investor demand for mortgage-backed securities (MBS). As a result, fixed mortgage rates may not drop much after a Fed cut.  However, borrowers with adjustable-rate mortgages (ARMs) or home equity lines of credit (HELOCs) often see more immediate relief, since these products reset based on short-term benchmarks.

For homeowners, mortgage refinance opportunities in 2025 depend on long-term yields. If Treasury and MBS yields decline alongside Fed cuts, refinancing can unlock real savings. Homeowners should weigh the potential monthly payment reduction against closing costs and the time they expect to stay in their home.

The bottom line

The recent Fed rate cut underscores the importance of staying proactive with your money. Savers should explore high-yield savings alternatives and consider cash management solutions to protect returns. Homeowners should track long-term mortgage rates to evaluate refinance opportunities, while those with ARMs or HELOCs may benefit more immediately from recent rate changes.

In today’s shifting interest rate environment, agility is key – aligning your cash, borrowing, and investment strategies ensures your money continues working for you, no matter how rates move.

Making your cash work: Smart management in a shifting monetary landscape

In today’s uncertain financial environment, idle cash doesn’t need to sit there. With high-yield, FDIC-insured options and rising awareness of monetary policy dynamics, you can make sure your liquidity still earns its keep. Here’s a look at standout solutions and what to watch.

Cash management options worth knowing
  • Flourish Cash

Flourish Cash is a brokerage-based cash sweep vehicle that partners with multiple FDIC-insured “program banks.” It offers competitive, variable interest rates—around 4.0% APY as of late April 2025—and spreads your deposits across many banks to expand FDIC coverage. You receive one statement and tax form no matter how many banks hold your funds, and transfers are generally seamless.

  • High-Yield Money-Market & Savings Accounts

High-yield savings accounts remain popular for their accessibility, though attractive rates are often promotional and can drop over time. Money-market funds typically offer higher yields—around 4–4.5%, with some pushing 5% in recent years. However, note that many of these are not FDIC-insured, and rates remain sensitive to Federal Reserve policy.

  • Cash‑Management Accounts (CMAs)

Offered by brokers and robo-advisors, CMAs blend checking, savings, and investing tools. They usually provide higher interest than traditional bank accounts, and your funds may or may not be insured via FDIC or SIPC. They facilitate payments, transfers, and even debit card access—helpful if you want seamless functionality without locking up funds.

How Monetary Policy shapes cash yields

Monetary policy – especially interest-rate movements by the Fed – has a direct, powerful effect on what cash earns.

  • When rates rise, as they did in recent years, money flows into high-yield instruments like money-market funds and sweep accounts. As of December 2024, money-market funds held roughly $7 trillion as inflows continued despite expectations rates would fall. Yields hovered around 4.39%, a stark contrast to average bank savings near 0.5%.
  • Looking ahead to 2025, some analysts expect rate cuts could shift investor behavior—less reward for idle cash may drive money into bonds or equities, especially as these markets show gains. Still, the high level of cash holdings suggests many investors may linger in money markets longer.
  • Institutional preference for stability remains evident—corporations are allocating more to high-yield money-market instruments to capitalize on elevated interest. As of late 2023, nonfinancial S&P 500 companies held 56% of their assets in cash and equivalents, seeing favorable returns.
Top 3 things to watch – and take action on
  1. Interest‑Rate Trends & Fed Signals – Fed rate changes directly impact cash‑account yields. Review your accounts regularly—are they outpacing or lagging current rates?
  2.  FDIC‑Insurance Structure & Coverage Limits – Tools like Flourish spread deposits across banks to maximize protection. If you hold a lot of cash, make sure you’re not exposed to single-bank FDIC caps. This is so important and something that I see many wealthy clients overlook regularly!
  3. Liquidity Needs vs. Yield Trade‑offs – Higher yield often comes with limitations. Define your cash needs—daily use vs. emergency reserve—and match them to the most fitting vehicle.

Cash doesn’t have to be passive. With the right tools and vigilance, your liquid assets can work harder without compromising security or flexibility.  Want to discuss this cornerstone topic further?  Let us know!

On Adventure: Lessons from the Edge

Adventure isn’t just about the trails we run or the mountains we climb. It’s about the way challenge shapes us—pulling us past our limits, stripping away comfort, and helping us see what matters most. In the last three episodes of the On Adventure Podcast, I’ve had the chance to sit with guests who live this out in remarkable ways.

Ken Posner: Chasing the Grid and Hearing Nature’s Call

Ken Posner set out to complete “The Grid”—climbing all 35 high peaks of New York’s Catskills every month of the year. It’s a feat of endurance, yes, but more than that, it’s a practice in transformation. Along the way, Ken experimented with barefoot running, stripped away layers of technology, and found stillness on the other side of immense physical suffering. His story reminds us that nature is always sending a signal—we just have to quiet the noise long enough to hear it.

Dr. Charles Infurna: Coaching beyond limits 

Dr. Charles Infurna grew up in a Sicilian immigrant family where work ethic wasn’t taught in lectures—it was lived out daily. That example fueled his career as both an athlete and a coach. In our conversation, Charles shared the delicate art of pushing athletes to see beyond their perceived limits without crossing into unhealthy pressure. His insight applies far beyond sports: adventure often means recognizing that the line we think is our limit is usually much farther out

Tom Hicks: Purpose, pain and the price of adventure

Conservationist and adventurer Tom Hicks spends his days fighting global wildlife crime syndicates and his free time chasing extreme endurance challenges. From Ironman races to the Barkley Marathons, from scaling remote peaks to preparing for a South Pole expedition, Tom leans into the suffering that comes with hard pursuits. For him, discomfort isn’t something to avoid—it’s often the price of purpose. His perspective is a reminder that adventure changes us not only by where it takes us, but by who it calls us to become.

 

Why do these stories matter?  Ken, Charles, and Tom live very different lives, but their stories echo the same truth: adventure is an invitation. It calls us outside, challenges us with difficulty, and leaves us stronger and more alive. Whether it’s on a mountain trail, a sports field, or in the wilderness of Africa, the pursuit of hard things reveals who we really are.

You can listen to the full episodes of the On Adventure Podcast on Apple, Spotify, or wherever you get your podcasts.

Cybersecurity isn’t optional anymore – 4 wake up calls from Mark Hurley

We used to think of cybercrime as something that happened to other people, other companies, or in other countries. But as Mark Hurley – CEO of Digital Privacy & Protection – reminded us in a recent client briefing, the frontlines of cybercrime are now our inboxes, devices, and conversations.

Here are four of the most important and frankly *chilling* takeaways from that session, along with what you can do to protect yourself and your family.

1. Criminals are now using AI – and they’re better at it than you think 

Hurley made it clear: cybercriminals were among the earliest adopters of artificial intelligence. They use it to:

    • Instantly process leaked data from breaches (like AT&T, Uber, etc.)
    • Launch automated attacks on thousands of accounts at once.
    • Mimic your behavioral patterns using something called the “consistency heuristic” to make scams feel emotionally and logically real. 

They’re no longer just targeting your bank login – they’re going after your email, voice, and telecom account so they can intercept MFA codes, impersonate you, or worse.

2. Deepfakes and fake kidnappings are already here 

This isn’t hypothetical anymore. Hurley recounted recent cases where criminals:

    • Cloned a daughter’s voice using social media videos and demanded $200,000 from her mother in a fake kidnapping scam
    • Posed as a client with cloned voices and diverted funds from retirement accounts, stealing millions

With $4.95 and a few minutes, a criminal can clone your voice convincingly enough to bypass voice authentication software.

3. MFA and passwords aren’t enough anymore

Multi-Factor Authentication (MFA) is no longer a silver bullet. Criminals are now:

    • Hacking into telecom portals to redirect MFA codes
    • Breaching authenticator apps with malware
    • Guessing 8-digit passwords in under a second using brute-force AI tools

Hurley’s team recommends 20–25 digit randomly generated passwords using a password manager – and unique ones for every single login.

4. The number one protection: Slow down

The most practical takeaway? Slow. Things. Down.

When someone requests a wire transfer or password reset, pause and verify. Meet in person if necessary. You’re not just moving money – you’re protecting a lifetime of savings.

 

Action steps you can take today
    • Use a password manager like Keeper to generate and store 20+ character unique passwords.
    • Enable all privacy and security settings on your devices and apps.
    • Install a VPN (like Surfshark) and use it on public Wi-Fi or while traveling.
    • Create a private email used only for account recovery (not daily use).
    • Segment work and personal devices – never store both on one system.
    • Watch for vishing (voice phishing) attacks posing as your advisor, bank, or even government.
    • Ask your advisor to make cybersecurity a part of regular client meetings.
Why it matters more than ever

Cybercrime is now the primary way criminals target families—not just for money, but sometimes for violence or real-world theft. Your brand, your wealth, your safety—they’re all on the table.

The good news? If you do the basics, you’re already 96–97% protected.

And if you’re a client of Ridgeline Wealth Advisors, reach out to us to schedule a follow-up class or activate cybersecurity services with our partners.

Let’s not wait until there’s a crisis to get secure.

 

Three Adventures, Three Life Lessons – New Episodes of On Adventure Podcast

If you’ve missed the latest episodes of On Adventure Podcast, now is the perfect time to catch up. These three conversations share a common thread – ordinary people stepping into extraordinary moments – yet each one unfolds in a completely unique way. You can find all of these at the podcast website linked here or any podcast app.

Holly Budge: Skydiving Over Everest and Fighting for Wildlife

Holly Budge doesn’t just chase adrenaline; she turns her adventures into advocacy. In our conversation, she recounts becoming the first woman to skydive over Mount Everest and racing semi-wild horses across Mongolia. But the real heartbeat of Holly’s story is her work supporting female wildlife rangers protecting endangered species. Her insights on fear – how to normalize it and even use it as fuel – will leave you rethinking how you approach challenges in your own life.

Tanner Critz: Hiking Toward Identity on the Appalachian Trail

Tanner’s journey is raw and reflective. He opens up about hiking the Appalachian Trail in his early 20s, not just for the adventure but as a way to strip life down to the essentials and ask, Who am I really? Along the way, he wrestles with hidden health struggles, isolation, and the profound reset that comes from removing every societal label to rediscover yourself in the wilderness.

Brian Warren: From Mountain Guide to Fatherhood and New Horizons

Brian Warren’s life arc reads like an explorer’s logbook – thru-hiking the AT days after high school, moving to Jackson Hole sight unseen, and guiding climbs from the Tetons to the Himalaya. Yet his current challenge is far different: stepping out of the outdoor industry, embracing fatherhood, and navigating a new career path. Our discussion explores how the lessons of mountaineering – presence, risk, and reinvention – translate to the next chapter of life.

Each episode captures a different angle of adventure – from fear to identity to reinvention – and offers takeaways you won’t find in a highlight reel. Grab your headphones, go for a walk, and dive into stories that might just shift how you see your own journey.