Banking on Digital Growth
Banking on Digital Growth

Episode · 2 years ago

26) #ExponentialInsights: Adapting to Hard, Fast Change w/ Dr. Benjamin Hardy


You can't predict the future.

But as Warren Buffett said, "Twenty years from now, everything's gonna be better than it has ever been."

In times like these, how do we adapt to hard, fast change in a way that creates a positive future for ourselves and our families?

On this episode of the Banking on Digital podcast, Dr. Benjamin Hardy, father of five and author of Personality Isn't Permanent, talked about how to adapt to hard, fast change.

We discuss:

-Why you need a future that gives your life purpose

-The reason personality tests are a terrible way to hire

-The process of imagination and decision making

You can find this interview, and many more, by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here.

The shorter the list of more simple, and the more simple, the higher the motivation and the higher the likelihood that you'll do it. You are listening to banking on digital growth with James Robert Lay, a podcast that empowers financial brand, marketing, sales and leadership teams to maximize their digital growth potential by generating ten times more loans and deposits. Today's episode is part of the exponential insight series, where James Robert Interviews the industry's top marketing, sales and FINTECH leaders, sharing practical wisdom to exponentially elevate you and your team. Let's get into the show. Greetings and hello, and welcome to the twenty six episode of the banking on Digital Growth Podcast, where I James Robert Lay, your digital anthropologists, continue to commit to simplify the biggest digital marketing and sells strategies that will empower you and your financial brand to generate ten times more loans and deposits in this post covid world as we work together. Today's episode is part of the exponential insight series and I'm excited to welcome Dr Benjamin Hardy to the show because of the work that he's doing as an organizational psychologist and the inch sites that he has shared in his new book personality isn't permanent. Dr Hardy is an organizational psychologist and the best selling author of will power doesn't work. His blogs have been read by over a hundred million people and are featured on Forbes, fortune, CNBC, Cheddar big think, among many others. Dr Hardy as a regular contributor to ink and psychology today, and from two thousand and fifteen to two thousand and eighteen, he was the number one writer in the entire world on mediumcom. He and his wife, Lauren live in Orlando and have adopted three children through the foster system in February two thousand and eighteen, and then just one month later, Lauren became pregnant with twins who were born in December of two thousand and eighteen. Hello, been good to have you on the show today. Great commuty James. You know, I thought my wife and I had it tough when we welcomed our four kids to our family, but and that was in five years now. You you you had a bit faster pace of adding five kids. Yeah, I think you said it was, and we were talking just now twelve months yeah, when we did have the older three as foster kids for a few years and we fought the legal system with no clear expectation, only a lot of faith in hope that we would eventually adopt him. But then, you know, with the adoption, just happened. Suddenly, just boom, some of the laws and of Carolina changed. We're able to get the kids and then a month later, sound out, weird you know, we're pregnant with twins. So yeah,...

...two thousand and eighteen we adopted three and had twins. It was a is a big gear and we're we're big on adapting to hard fast change. We'll talk about that, adapting to hard fast change, because you know, that's something that we're all having to do right now in this post covid world. Is We're trying to pick through it. But first one of the things that I'm just curious about is what is good for you right now in this kind of this new normal we're trying to work through together anotherwise chaotic time of crisis. I'm always one who's just trying to find something at least hopeful to begin a conversation with. What's good for you? What are you excited about? Excited about a lot of things. I mean obviously have five kids. You know, when you really break down everything going on, like yeah, there's going to be a lot of interesting stuff that's non predictable. But as far as myself, like, I've spent a lot of great time with my kids and I are my schedule honestly didn't change that much. I think the one thing that did change I probably didn't travel four or five times that I would have traveled just because I can't. Those events and things like that were dropped. But for me, I've spent a lot of time just folks, on my bigger goals, my spiritual goals, and then my family, you know, as far as my career goals and so like, everything's great for me. I mean I'm a big believer. I mean I recently listened even to Warren Buffett, you know, and warn Buffett simply said can't predict the future in any specific time frame, but I can tell you in twenty years from now everything is could be better than it is ever been. And so I kind of like that just long term future perspective and I think that, you know, I actually recently read man search for meaning. Yeah, have you read that one. Yeah, have you had been answers for me, Victor Frankel? Yeah, yeah, I've picked through it. You got to read it, you got to really read it, like it's so timely for right now. But one of the big things you obviously the books about the Holocaust and like all the Jews and the German concentration camps. And one of the things that froncle found was is that, like, unless you had a future that gave your life purpose, your present was meaningless, and so, like the People's suffering had no purpose, and so they would die, yeah, the moment they lost a purpose, and so, like it's essential to enjoy the present, even no matter how difficult it is. You have to have a future. It's like it's essential for human psychology. So, like, I think that that's really what's getting me through. It is me and my wife have a huge future that goes way beyond covid nineteen. was was Frankel his his his present, like something that he was focusing on. It was wasn't a tree outside of his cell, if I recall correct well, I mean he was, he was really focused on his future, like he was he had a his present head, meaning. I mean he was he was just doing things like other, you know, other Jews that were in the concentration camps. He would do hard labor or like just he was doing all sorts of menial tasks that they were forced to do. But he found a way to cut his suffering had meaning because he had a future. What's driving for? And so, like he was able to turn his suffering into spiritual development or personal development, because he saw himself in the future teaching lectures and he saw himself writing books like. So he had a future that gave...

...him a purpose, which gave his life meaning, and I think that, you know, he talks about how a lot of the Jews at the time, like they would all look, they all had something to hope for. Like they would hope for like getting out on Christmas, just as one example, and Christmas would come and go and they wouldn't get out. They'd all start dying because, like, their future disappeared. Yeah, I think the you know, in times like these, it's essential to keep your eye on the future, because then it gives all of this meaning. And so for me, like me and my wife, like we've got a huge vision spiritually, but also I have huge vision for my work, and so it's like, you know, it allows you to deal with this in a different way. You know, I like the Dan Sould and quote. The bigger the future, the better the present. So it's just like you can handle things if you've got a meaning in a purpose to do so. If you don't have a meaning and purpose to do so, you can't handle very much. Yeah, and I'm seeing a lot of that. That thinking around it took to come back to Dan Suli and always make your future bigger than your past. I'm seeing a lot of that right now with what we're experiencing in financial services, being forced into a digital first like business model. We're up to this point. A lot of this is still been rooted in legacy, built around branches, the physical world, broadcast, and it's very hard for some to make that shift transitionally just in their mind, yet alone to make it an actual reality. I've been following your work now for a while. You and I were talking before we hit record, but will power doesn't work. It was a gift from from then and strategic coach, and normally on a flight back from Toronto I'm going to be probably watching something just because I've been doing deep thinking for the course of a day and I don't watch TV or anything, but like that's the only kind of quote unquote, time that I give myself to do something like that. But I remember getting on that plane and opening up that book and just diving into it, highlighting it and like wow, this is this is some interesting stuff. And then now you have a new book that's out. Personality isn't permanent. That I know will just it'll extend upon what I think what the world needs right now. Because as you opened up that book, you shared a story how a personality test almost it had a big negative impact, had the potential to have a negative impact on your future, but you didn't let it. But I want to start the conversation there. Can You unpack that story of that personality test and and the negative ramifications it could have had on a very important relationship? Yeah, it's kind of funny. I didn't even know that that story was going to go in the book, to be honest with you. Like that story got like bolted in near the last minute because we were trying to find like the right hook or the right story to begin it and I didn't think about that. Someone was like the books not really about personality test so much, but this there is obviously a big aspect of that in the book. But anyways, back when I was in college I was dating Lauren, the person who ended up becoming my wife. But a big popular personality test of the time...

...was called the color code. Obviously there's Myers Briggs, any a gram disc all these big tests, but color code was a similar format. Basically breaks people up into four groups and we took the test because Lauren really liked it. Her family took the test seriously. They saw people through the perspective of the test and when they found out that I was a white according to the color code, they were really concerned about Lauren dating me and getting married to me. The reason is is that whites, according to the color code, are very like passive Aloof noncommitted, like very much in their head and, you know, dreamers, but not goal setters, like not not effective people, maybe, you know, on the broad spectrum. And Lauren had previously been in a very abusive marriage, like for three years. She was in a rough marriage, and Lauren and her whole family kind of saw themselves as red's according to test, and reds are like type a focused, go, go go, and Lauren had been in America an abuse of marriage with a guy who's also a red according to the Color Code, and obviously the guy was so dominating, so abusive, so destructive that it kind of turned lauren into a shell of herself. And so when she left a marriage, she went and traveled for a year, served a church mission. She was she spent a several, like two or three years, kind of like re establishing herself as a human being after that, and I was the first person she dated and when her parents found out that I was a white they were like, okay, I know what Lauren's up to, like she doesn't want to be in a situation where she can be so dominating, and so she's dating this white who is a passive aloof character who she can then control and dominate the situation. And they were letting. They're kind of a patriarchal family and so they're like, I mean, they're really open on an equal grounds, but they were very much like you got to marry a real guy, like just because you're afraid of what happened in the past, you don't want to be dominated, you can't just get into a relationship that you feel is safe with this white like. You need a real man. You still need someone who's serious, like who can help lead and guide a situation. And so they were all like, you should probably not marry this guy, even if he's a good dude, like you need to find probably someone who's a real man. Wow, yeah, I thought it was pretty pretty interesting, to be honest with you, from that perspective. Well, you know, I'm I can relate to that because my wife, my wife and I, we knew each other in high school. We were friends. Actually had a crush on her next or neighbor, nice, and we had a freshman English class first day of high school, Miss Bungoes, and so her next neighbor actually introduced us. And then fast forward for years later. We're in freshman in college and WHO's in my freshman English class again? It's Delina, and like I fell fast for her and I'm like, I told her at eighteen I'm going to marry you. She goes, you're crazy. I said now I'm going to marry you. Just Watch and let me say and that let's really awesome. Well, so she's left. She's Lebanese, and it was like... to talk about patriarchal families. It was one of the situations that her dad, you know, did it. You're either married or you were engaged. It's so like we had about guys, about a six and a half year formal courtship, holy cow. And like her sister would come and hang out with us that like fre'd go to the movies or something. And now if it was like during the day, you know, mom's at home, go grab a bite for lunch and it's cool. But the first time that I asked for her hand in marriage, her dad told me no. So hearing hearing that story from you like and having that Kype type of a conflict, I'm like, man, it's good to know that, like, because the struggles worth it. There's beauty in the struggle. And he said you're too young, you need to to focus on your schools, because I was still on my Undergrad but then I was going to go do my Mba and my business was was just getting started and I said, okay, I'm going to come and talk to you in six months. And six months later he comes back. I come back to Miss Mr Dawn said I'd like to marry your daughter. He Says No. The second time and I remember I slam my hand on the table. I looked him, strainingly asked, Mr Dow I respect you, I respect your family, please respect me. I respect your daughter. Please respect what we want. And he set back, he wiped his hands. He said, okay, you can medry my daughter. So it was one of those things that it's like hearing that you had to prove yourself kind of yeah, yeah, and and and now with my kids I think I'm going to do the same exact thing. You mentioned that the book is not about personality test and I think that's very clear and it's important to make that distinction. But you note that test like disc Myers Briggs. They're unscientific and there they might even be harmful, which I didn't know that this was a two billion dollar industry. So unpacked out a little bit for me. How might test like disc Myers Briggs be harmful to someone? I mean, you got a great story, but can you got a little bit deeper into that? Yeah, definitely. I will say my story is a great example of someone who was viewed in very limiting terms. The same type of thinking that goes into these categorical style personality tests which by the way is not how psychologists few people and it's a very terrible way to hire. As an example, like if you're hiring the Myers breaks of the disc can't predict formants. You could have five people that are d's and they could all be completely different. You know, like the there are terrible performance scale, but also they're just not how people actually work. But how many people, how many people make hires today base upon that? I think of so many HR departments or like rooted in this type of thinking. Yeah, they're the lowest, absolute lowest grade of measurement tool there would they would definitely not be considered good science from like a psychological perspective. And I I had to learn that over and over and over becoming an organizational psychologist, someone who's literally professionally trained... methods of hiring, culture, leadership, etc. Like they were like don't hire based on those tests. and honestly, this test or not valid or nor reliable. Stay scales. But what that type of thinking? The whole black and white like your you're a red, you're a blue, you're a yellow. That type of thinking is literally the same kind of thinking that goes into, honestly, racism and things like that, like you put people into a category and you assume that everyone from that in group has certain characteristics ever and out. But, aside from not being psycho in an aside from not being good science, they lead outsiders to view a person in very limiting, simplistic ways and they lead you as a person to view yourself in very limiting ways. So, like, I'm more interested in what the test does for me as a human being. If I take a test and I take the test seriously, what does that do to my mindset? What does that do to my identity? There's a lot of research out of Harvard from Ellen Langer. She's been studying mindfulness for for several decades. She wrote a book called Mindfulness in a book called counterclockwise beally. Need to read those books. But when you have a label that you've taken seriously, you become ignorant of every aspect you know, you become mindless to when the labels not true. In psychology we have selective attention. We can only focus on so many things at once, like I. You know, there's even research like if you come from a different country, you're going to notice things perceptually that you wouldn't notice if you're in a you know you did. We see the world to a lens and when you have a label you see your you see the world through that Lens. Labels Create Tunnel Vision. And so what what Allen Langer has found is that like, for example, if someone believes they're depressed, they believe they're always depressed, even though there's many times throughout a day when they're not. And so when someone believes they're an introvert, as an example, they'll think that they're always an introvert when in many occasions they would actually reflect someone who is really great with people. They just only focus on that because they've defined the label so much. And when you define a label and it becomes an aspect of your identity, you then seek to defend the label, you seek to confirm it, you do anything and everything you can to confirm it in your identity narrative, which is a basically the way you explain yourself is in very definitive terms. And there's a lot of research at this point out of Harvard, and I would point people to Daniel Gilbert's work. You gave a great Ted talk called the psychology of your future self. But basically this is kind of a cognitive bias that people have, basically the ideas that we overvalue our present perspectives. We actually think that who we are today is who we always will be. Truth is, you're not the same person you were five or ten years ago. In the future you're not going to be the same person you are today. And if you if you begin a process of thinking about who you want to be in the future and using that as the basis of your identity, then what you want to do is ultimately want to stop holding so tight to your current self. But these tests, these tests lead you to a very fixed mindset about yourself, and so I think that these come with a lot more problems than benefits and it's ultimately not that useful to be so definitive and how you explain yourself. So fix mindset, labels, tunnel vision. I think it's like I see where this can...

...hold people back. Like assume that I'm a financial brand leader working in the banking space. I've built my entire career for the last twenty years on a model built around the physical world of branches, brick and mortar, something I can see, I can touch, I can feel, but the challenge that I'm having is that future that I know I need to create. Like philosophically, I'm struggling because I can't bridge that gap in my mind. Technology has transformed our world and digital has changed the way consumer shop for and buy financial services forever. Now consumers make purchase decisions long before they walk into a branch, if they walk into a branch at all. But your financial brand still wants to grow loans and deposits. We get it. Digital growth can feel confusing, frustrating and overwhelming for any financial brand marketing and sales leader. But it doesn't have to, because James Robert wrote the book that guides you every step of the way along your digital growth journey. Visit www dot digital growthcom to get a preview of his best selling book banking on digital growth, or order a copy right now for you and your team from Amazon. Inside you'll find a strategic marketing manifesto that was written to transform financial brands, and it is packed full of practical and proven insights you can start using today to confidently generate ten times more loans and deposits. Now back to the show. How does personality play into some of that? That struggle you mentioned, like I'm viewing myself this way, but what are the the ways that I might be able to help break free from the past that's kind of informing my presence so that I can be free to create something bigger, better and brighter? HMM, yeah, I think that the goal is actually that the past isn't such an extreme predictor of the future, unless you're really really happy about your past. But you mean even then, we've already talked about you know before this meeting. It's sometimes just because the past is succes Dessel, doesn't mean that's what you should hold on to. You know, as one example, like I was a top writer. I was the top writer on me andcom for years, and that could become a status or an identity that I overattached to, which then can like limit what needs to happen in the future. It's a whole idea. What got you here won't get you there right. But obviously your questions more to the idea of maybe you know issues in the past or just or just patterns that are so easy to fall into. Right from my perspective, identity is much more important of a concept than personality. Identity is how you define yourself and yourself concept is usually the thing that predicts your behavior, and your behavior over time is what ultimately shapes your personality. It's important for people to realize like personality is and not innate, inflexible trait.

Personality is contextual. You show up differently and basically in different personas and different roles and different environments. But also your personality does in fact change over your lifetime, whether you do anything about it. Like there's a lot of what's called Longitudinal Research on the subject, where it's like, your personality is not going to be the same when your fourteen is w hundred and fifty, like you're going to be a different person, you're going to have gone through many things, and so, rather than worrying so much about personality, especially your current personality, there's a lot of research now on the idea of your future self, like the person you ultimately want to be in the future, and to me this is a really important and interesting realm of research. There's a lot of you know, there's been a lot of study on the idea that the number one deathbed regret that people have is that they didn't have the courage to be the person they wanted to be. Instead, they lived up to the expectations are the norms of those around them, whatever persona or environment they had already created, you know. And basically, when you're just being who you've been yesterday, you're living on autopilot, you're being subconscious, you're just kind of being reactive to environment. And we all want to make changes in our lives. We all want to make improvements, whether it's ourselves as a leader, whether it's our business, whether it's our finances, whether it's our family, whether it's our health, we all want to make improvements. What Daniel Gilbert found at Harvard is the reason people don't make such improvements is because they spend way more time thinking about their past then imagining and creating a new future. And one of the other problems is the people think that who they are today is who they ultimately always will be. That's not only not true, but it stops you from actually thinking about the person you want to become. And that's actually way more important, and that's a process of imagination and decisionmaking that we can all start into. So taking time to write to journal, to just put pinned the paper on who I want to become who I want my organization to become. There's a lot of value that can be created from that type of an activity. Of It is. Is that what I'm hearing from you? Let's just first step is taking the time to actually think about it. It's important to realize that your future self, your future self, is a decision you make. It's not a discovery that you make. It's a decision. Who Do we want to be, or who do I want to be? That's the first step. I think that, like think about it from an addiction standpoint, you know that someone's right over in acome addiction when they start becoming public about it, like they start telling people, look, I've got a problem right II want to make a change now. I'm ready to stop defending my my present. I'm ready to stop justifying my present by blaming the past. I'm willing to admit that where I'm at right now is not where I want to go and I'm ready to move forward in my life. So, like, once you've actually started to define your future self, and you I'm not speaking like everyone's in a dat an addict. That's notice I'm saying. The first this first step is actually defining who you want to be. I think actually using like a oneto three year timeline is really great. Two to three years is really great, like where do I want to be in two to three years from now in my situation, maybe in my finances and my relationships and my environment, and just to finding who you want to be. The next step is, honestly, from the perspective of an addict, telling people about it, owning the fact that this is...

...where you want to go, rather than pretending that you're completely justified and who you are today. It's saying this is where I want to go, this is it's like letting the cat out of the back, you know, but that that telling people about who you want to be in the future then leads you to becoming a lot more accountable, to becoming that person. At leads you to having a desire to be consistent with that new story. It clarifies your environment. There's a lot of I mean there's many steps even beyond telling people about it, but that's a courageous step that people need to take. You know, it's interesting you use the words taking the time to stop and think, like, if you're not doing that every day, then your feature is not that important to you. I I think about the financial brand teams, the marketing teams, of self teams, leadership teams that I'm working with, and we do that like every ninety days and it's built into even art, what I call the digital growth operating environments. There's four of them. There's the the learning aspect, there's the thinking aspect, there's the doing aspect and then there's the reviewing and the reflection aspect, whhich then transitions back into more learning, more thinking, even better doing, and it just builds. It's like an upward spiral built upon itself. But I see so many marketing team, sells teams, leadership teams struggle. They get stuck in the doing of the work that it's very hard for them to create that space and time to just think, just pause. What is something practical that you could recommend because, like I'm seeing this, you know, as one who works in digital, there's a lot of distractions built into digital, the dings, the buzzes, and it's almost like we create this false sense of I need to be on seven but even after being in coach myself, those free days, just twenty four hours of just nothing, silence, in my mind that is. But but there I literally do digital detoxes on those days. It's super important. Yeah, when you were talking US thinking about the quote, and I think it comes from the book the road less stupid. I could be wrong, but basically, you know, people sometimes are running enthusiastically in the wrong direction and it feels good to be running enthusiastically, but you got to kind of ask yourself, are you going in the right direction? And I think if you're not taking the time to stop reflect. You know, I'm kind of reminded of the idea of airplanes. Honestly, like airplanes, you know from what from what I've heard, like they spend an enormous amount of flight time off course because of wind pressure and like turbulence and stuff like. They're constantly being nudged off course. But they have an inertial guidance system so like every like literally every few seconds, I think, their course correcting, because if they weren't course correcting regularly, they wouldn't get to the destination on time, which they usually do. So, like the ideas is if you're off even a matter of one or two degrees for long enough period of time, you could be hundreds of miles off your destination. And so, from my perspective, taking the time to think and reflect into journal and to like...

...reassess your vision, reassess your direction, reassess your process, like reinss your priorities, like if you're not doing that, then it's essentially like you're an airplane. You don't know how off course you actually are, and the longer you're off course, the longer the opportunity cost to getting back. You know, it reminds me of the quote from Covey as far as like it doesn't matter how many steps you take up the ladder if it's facing the wrong wall. So, you know, this brings up the the dance olvin quote. All progress starts by telling the truth. But I think from a very practical standpoint, kind of like you having regular days where you take the day off and you like really give yourself the space to think. Creativity, like they say that sixteen percent of creative have ideas happen while you're at work. The rest will happen while you're recovering, resting, you know, in the shower, on vacation. But even more like just taking ten fifteen minutes in the morning before you jump into your phone to just journal about your future stuff, about your goals, about your team, if you do it in the right environment where you're like for me, I just do it in my car. There's no there's no distractions in my car. I have my phone on air and my phone on airplane mode. I might be listening to like some soft piano music, but other than that I just have me and my journal straight up and I just write about what I'm trying to accomplish and who I'm trying to be, and this is literally how you can train your selective attention, you can train your brain to focus on the things that you're trying to accomplish and when you're in that environment, especially, I would say, first in the morning, your brain is far more likely to come up with creative solutions. And if you do that on a daily basis, should be getting solutions and be able to take action on those solutions. That will change your life in business. If you're not doing that, then how many days of of missed creative solutions did you miss? Yeah, you know, hearing you talk through this, creating a space, creating that time to stop, pause, think right about what future you're wanting to create is something that someone can do by themselves, or is it helpful to have, you know, we almost use the word accountability before having an accountability partner to do this together with or have someone to fall back on, just to because it's so easy to get back stuck in that loop of just continuously doing running enthusiastically in the wrong direction, as you said. But how? But is it important to have someone at least just to check in? It's it's incredibly important. Yeah, I mean I there. I wrote a blog post actually, it was very well received, about even daily accountability. Like one of the things that like I've done for a long time is, like I'll have someone that I literally send to text messages to a day. Takes less than a minute. I'll send him the three things I'm trying to accomplish today and then at the end of day I'll give him a score. One out of two, one out of three, two out of three or three, a three. Literally that's it. And like beginning of the day I'll get a text fro him, I'll get a text for me. It's just a list of three bullets and a day and like that's I mean, obviously then maybe will do like a weekly phone call or a monthly like get together and having assie bowl and like talk about it. But yeah, I mean I think that that's just one wave. I mean, the more accountability you and bed into your life and environment in the form of someone you can openly talk to about your struggles and also your goals and someone who can, like you can report to, that's key.

But also just in general, having an environment that expects you to become the person you strive to be, because you're very aware of it, you're telling them about it and they expect you to become that person. I mean, the more your environment reflects your future self, the better. That right there. You just text someone the three things that you're going to get accomplished that day and then you kind of follow up. Why three things? Because I think that's so practical and I think that those three things are key. But why just three things? Because I think I even think about my wife. She has this huge to do list of all these activities every day. I'm like no, just write down three. But why three things? I mean, obviously we all do more than three things a day, but I think, you know, this is focused on important over urgent. I would have these three things be what you would consider important, things that wouldn't be on your to do list anyways. Obviously you've got a hundred things on your to do list. These are three things that could easily be lost in the maze of busyness and not seen for months. A big part of this whole future self process is it's about focusing on the things that are important to you that will move your life forward. You don't need to have a future self if you're just going through your urgent, day to day, busy life, like you can just wake up, go to work and be the person you are today. The idea of creating a future self and upgrading your life is about doing things that aren't in your busy schedule. They're about creating space so that you can do one to three things that are clearly moving your life in the right direction, whether it's developing a skill, pitching yourself to like a new audience, or just whatever it is, like it could even be going to the gym, like. You get to decide what those one to three things are, but I think I think three is just a good number. I mean it's just not too big. I think the idea is like what are just a few things that, if you accomplished, you'd consider the day of success, and these one of the three things. Should clearly refres flect where you're going, not what you're already too busy doing. Try The list should be short. Yeah, and that helps to create some momentum for the next day, which continues to fuel future progress and, as Dan Sullivan says, progress not perfection. Because I think you know, for especially, this is coming from a type, a personality, I have to be very you know what it's okay, like and give yourself that grace. You know what, Tomorrow's the new day. I can try again and it's not failure, but it's progress. Right. Yeah, and simplicity is what creates motivation. So like if you've got fifty things on your to do list, that creates what we call decision fatigue. You'll start to be stressed out by the lists and then you'll have to and so like one, two, three things. You know, I mean honestly, one may be better if you could prioritize. What's the one thing that absolutely must happen? I would rather you get one thing done then have three things on your list and have zero of them get done, you know. So, like if this is about prioritizing important over urgents, like what is the most important single step I could take to day to move this thing forward? What's the most courageous thing that could do? I think that these one of three things. They need to involve some form of courage or they need to like clearly be moving yourself in the right direction that you that your future self reflects, and I think the shorter the...

...list, the more simple, and the more simple, the higher the motivation and the higher the likelihood that you'll do it. Very, very practical stuff. Today been thank you so much for the time. Thank you for sharing your perspective. I'm so excited for you. With the launch of the book. Personality isn't permanent. Where can people pick that up? And if someone wants to continue the conversation that we started today, where can the just reach out connect with you say hi, yeah, thanks. Jim's. You can get the book anywhere, like it's and when book stores reopen it'll definitely be in there. There's a book from with paying on Random House, so it's like it'll be in every book store. You can get on Amazon, kindle, orange and noble. If you go to Benjamin Hardycom, which is my website, you will find a video of me explaining how, if you buy the book, you can get access to three free online courses. The book personalitiesn't permanent. I don't know if you can see it, but basically it walks people through there's about a hundred and fifty journal prompts that walk you through reframing former memories. One of the key things that honestly shapes personality is former TRAUMAS that haven't been resolved, basically things that have still like an emotional signature that you're carrying with you. Right. So there's ways to reframe the meaning of experiences and change how you view the past. There's also lots of prompts about designing your future self, redesign your environment. So, like I have several courses that I give away for free that take you to the book. They teach you how to journal. Howso have a course that teaches the blogging strategies that I've used that have gotten me over are literally a hundred million blog views. So there's a lot of free resources on my website that you can learn about at Benjamin Harrycom. So if you're a market a financial brand, marketing leader of cells, leader on the leadership team. Connect with Ben Sign up by the book personality. Orse. Yeah, I get the free course. Just do it because, you know, as we continue down this post covid nineteen world, I'm more excited, really like, and I think you use the Warren Buffett quote, twenty years is good. It's going to be even better. This is just a moment in time and I'm really excited to see all the opportunities that we can create, particularly as financial brands, for the people in the communities that we serve for a stress about money. So yeah, there would be other big moments. Who knows in five years, three year, seven years? I mean this is a big one, but who knows what's gonna Happen in future? But we know that in the long term future everything's gonna be better. It's exactly right. Hey, been thank you so much for joining me on another episode of banking on digital growth today, for sure. Until next time, be Welldo good and wash your hands. Thank you for listening to another episode of banking on Digital Growth with James Robert Laigh. Like what you hear, tell a friend about the podcast and leave us a review. On apple podcast, Google podcasts or spotify and subscribe while you're there. To get even more practical, improven insights, visit www dot digital growthcom to grab a preview of James Roberts best selling book banking on digital growth, or order a copy right now for you and your team from Amazon. Inside you'll find a strategic marketing and sales blueprint framed around twelve key areas of focus that empower you to confidently generate ten times more loans and deposits.

Until next time, be well and do good.

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