Open World Financial Life Planning - Financial Life Planning

Journey in Hana

Let’s start this off with a disclaimer. There are a lot of very wonderful people who mean the world to me in this story. Few of them are named, because the work is ultimately deeply personal. If you are one of those people and would like to be named, feel free to let me know!

Imagine knowing nothing of a career, not even dreaming it would exist, and then standing on its most sacred ground five years later. It’s awe-inspiring. Hana is the epicenter of life planning, brought into existence by George Kinder. With the goal of connecting the mental side of money with the meaning that we are looking for in our lives, life planning is an incredible way to work with clients. If you missed the previous blog post in this series, please go read or listen to Journey to Hana. That blog post lays the foundation for this one, focused on my three challenges in Hana, and my Journey Home which I will be releasing in the future.

Arriving in Hawaii was full of emotion. I was exhausted and annoyed because long flights and little sleep do that to a person. I was also overjoyed, because my wife rented me a convertible Camaro as a surprise. Finally, I was hopeful. I hoped that I would learn something that would allow me to serve my clients better and propel my business forward. I know that most conferences and retreats leave me filled with inspiration, and I didn’t expect this one to fall short.

The ride from Kahului to Hana is a true sight. I was used to winding mountain roads, having graduated from App State, but I was not used to seeing the ocean along winding mountain roads. Some of the overlooks gave a stunning view of waves crashing on rocks, waterfalls, and small communities down on the coast. All of it was incredible. I was beginning to understand why George spends a lot of his days in this part of the world.

Our little home-away-from-home was simple, but perfect. A suite-style apartment attached to the home of a lovely couple. We had this amazing view of the coast across a grassy field (pictured below) and I jokingly called it my office to a few clients I corresponded with the next morning. I could have worked from that porch for the whole week and the trip would have been worth it.

Before the workshop started we took one little adventure. Waioka Pond (pictured below) was less than a mile from our front door, so we decided to go on a hike.

It is a sight to behold! The pond is actually more a lagoon, an intersection of a stream, a spring, and the sea. The water level is pretty consistent and the pool is deep. We witnessed several travelers jumping off the high rock into the pool, laughing and having a great time. That’s when the first challenge of the trip set in for me. I wish I could do that. I’m afraid of heights.

Ten minutes went by. Rebecca and I took pictures of the pond. The same travellers went back to the top of the rock and jumped off half a dozen times. They were fine. I can do that. “H-hey...Becca...I think I’m going to do that.”

After deliberating for a moment, Rebecca promised to film me. I went to the top of the rocks, my heart pounding in my chest. I looked off the edge of the rock and took a deep breath. Why can’t I move? My legs were frozen in place. My chest was tight. Maybe I can’t do this.

Then the simplest, easiest solution presented itself. The path was obvious. One of the travelers who had done it before walked up behind me, clearly impatient for his turn. “Can you count me off? I’m nervous.”

“Sure. Three...two...one…”

It was actually that simple. Much like life planning, overcoming a fear is all about having a partner to talk through your obstacles with. The stranger didn’t provide the solution, I did. But him being there was necessary. It made me have to do it.

And did it feel good! The water was refreshing and cool. My adrenaline surged and laughter spilled forth from me. Joy was abundant at that moment.

Rebecca joined me in the pool, though in a more gingerly fashion. She didn’t want to jump, and I don’t blame her. It was my goal, not hers.

That evening, after a shower, we found ourselves at the opening evening for the 5-Day. It was amazing for an entirely different reason, because now I was face-to-face with so many people I knew (or knew of.) People I loved, people I admired, people I hoped to know were filling that room. I knew I’d be paired with one of these people eventually to practice with. Someone in this room was MY life planner!

Making a room of people comfortable with that notion is hard work. But, the lead trainer set in on it with a smile. We worked through some surprisingly non-painful exercises in sharing. It was all about us too. The activities required us to open up about ourselves and receive praise, smiles, laughs, and consolation from our peers. All of which were working toward the greater goal of making it easier to select a life planner to work with, and the secret goal of making it easier to share in front of people this week.

So then the next morning came, and so did the selection of our partner. This was the one thing about the training I was dreading. We were instructed to “Just feel where in the room you were pulled to.” and go to that person. It brought back flashbacks of something traumatic from my childhood, being the worst athlete I knew. Great. It’s like being picked last for kickball. Anxiety and fear bubbled up, barely contained within my calm outer demeanor.

It’s a great reminder that in a room full of people, it’s entirely possible to feel alone.

Then I locked eyes with my partner, grinned, and sat back down immediately. Meg Bartelt, someone I admired greatly, had chosen me. A kindred spirit, someone who stayed glued to the exact spot they stood up in. I could not have been happier to have that awkwardness behind me. I happen to know very keenly that a number of my colleagues were feeling the same emotions, partly because of an aside I had with one of them where tears were shed. But, the torrent of emotion was behind us. Kinda.

The next three days were full of sessions exploring the Kinder methodology, known as EVOKE, and becoming deeply familiar with the emotions of our partner. What were the things that made up their ideal life? What were the emotions driving them to want or need those things? How could we bring those things into reality soon? Not five years from now.

Whereas the selection of our partners brought forth a torrent of emotion, I would call these three days a slow burn. Imagine always feeling strong emotion, so much so that your eyes are a little sore every day. It’s not that you’re denying yourself tears, it’s just that the tears don’t need to be shed. There’s a fair mix of positive and negative in life planning.

Someone needs to get a divorce, but their life will be better on the other side.

Another person needs to leave the career they’ve had for the last 30 years, the one that’s supported their family. But, their new work is more meaningful, and leaves more time for their spouse and children.

These things provide the full range of emotion. Joy, happiness, and excitement, but never without anxiety, longing, and change.

As one trainer said about life planning “Emotion is energy.” This is true whether it’s positive or negative. Emotion provides motivation for us. Life planning is mostly concentrated on the aspirational emotions, but it does not ignore the negative. It breathes, sits with that emotion, then smiles and asks “How would you like it to be instead?” Life planning is about the present and the future.

My second challenge for the week presented itself in the form of my partner. Throughout the three days, some aspects of Meg’s personality stood out in particular - hard-edged skepticism, discomfort, unease in this space. What I would later learn is that this was a transformation my partner was going through, compared to me she was new to the world of life planning and had not fully embraced the potential results. I can imagine that being told what you’ve been doing for years is only a part of the bigger picture is jarring, and that’s what I imagine she was feeling.

Yet the amazing thing about life planning still stood true, as we removed the focus from the workshop and focused on her and our conversations, some wonderful emotions blossomed forth. Meg had a deep caring for her family and getting to see them more often. There was a reading chair, a sanctuary in which she could relax and be herself. Lastly, there was a longing for an adventure with her children, something very particular and beautiful. All of that was unpacked through our work, which showed me the whole person as opposed to the image we so carefully cultivate and show to the wider world.

All of that was stunning and wondrous, but also nerve-wracking in a way. It’s incredible to work with someone on their ideal life (not perfect, nothing is perfect and life changes always), but it’s also challenging to be there with someone emotionally as they discover what really matters to them. You have to practice it, both staying calm yourself and mirroring the other person so that they know you’re listening. That’s how you become a truly great life planner. So while I got over the speed bump on that challenge, there’s still a long way for me to go.

It would be dishonest for me to end this post here, despite the fact that my written posts are in danger of becoming small books. I’ve already pointed the lense at my partner, but now let’s talk about myself. Pointing the lense at myself was my third challenge. Being life planned was an emotional journey.

What I realized, both in private conversation with my amazing partner, and in the demo session we did in front of the whole workshop full of people, was that my old enemy had returned to me in a way. I often hold myself back from success with self-limiting belief. I’m too young. I need a bigger practice. I need more time. I can’t do this.

These mantras are insidious. They don’t show up visibly in my life often, but they’re just under the surface, directing me toward self-doubt at inopportune moments. They slow down my growth, both as a person and in business.

It was obvious to me, tears welling up in front of all of my peers, that I don’t have to let this happen. The pathway forward was clear. It all crystallized in the moment she asked me “How can you make sure this happens?” My partner and I worked together to set deadlines, a pathway toward the life and business that I want for myself and my wife. I smiled, and breathed out, with no more tears sitting just behind my eyes.

Having those deadlines has already done incredible things for me.

Since Hana, just under a month ago, I’ve:

-Published My Life Planning Story (My highest performing piece of content ever)

-Gotten A Spot at a 100+ Person Conference to Speak (About life planning and my journey)

-Signed Contracts with Two Wonderful Clients

-Rebuilt All of My Firm’s Processes (To focus on life planning and serving clients better)

-Hired and Begun Training an Associate Planner

-Scheduled My Wife’s Dream Trip (With the family, to Belize!)

-Rebuilt My Calendar (To focus on giving me time back with my wife)

I’ve also done plenty of other things that aren’t mentioned here, but that have renewed my vigor for my business and life.

Where I would like to end this post is on a high note. The journey is emotional, certainly, and the work is challenging. But, the reward is great. Life planning is incredible. We should all do more of it and help ourselves and our clients live into their dreams. The world will be better for it.

Journey to Hana

Imagine knowing nothing of a career, not even dreaming it would exist, and then standing on its most sacred ground five years later. It’s awe-inspiring. Hana is the epicenter of life planning, brought into existence by George Kinder. With the goal of connecting the mental side of money with the meaning that we are looking for in our lives, life planning is an incredible way to work with clients. The following blog post and two more to come will be focused on my Journey to Hana, my Journey in Hana, and my Journey Home which I hope will ultimately convey some of the substance of life planning itself and not bore you to death.

My journey as a financial life planner began in college. I was a psychology major at Appalachian State University. And like many other juniors, I was sitting through the “Careers in Psychology” course all too late. My mind had been made up until this point - I was going to be a therapist. I wanted to help adolescents sort their ways through the difficulties that I’d experienced in middle and high school. I saw the same problems that were increasingly prominent in my generation - increases in anxiety and depression. It was my inclination that my place to help was in that painful transition of puberty.

Until the reality of five more years of school was shown to me.

A Ph.D. is an incredible thing to have, but I no longer wanted one. I wanted to make a difference sooner. Five years is a long time to sit in a classroom not helping people, and I’ve always been more of an action-focused person (sometimes to a fault.) The reality of how few options I actually had was paralyzing. What can I do with a bachelor’s in psychology?

Like all good stories, mine does involve a partner. My wonderful wife Rebecca and I began dating that same semester. From the first few weeks we began dating, I remember remarking on how simple our relationship felt. The communication was easy, and we both enjoyed each other’s company. She even liked that I was a nerd!

During my time of crisis, she took me home to meet her parents. On that trip I met the second person in the Brody family that would change my life, Steve. Steve and I met in the same uneasy way most fathers and boyfriends meet, but I do remember feeling a lot of warmth from him immediately.

Rebecca and her mother left the house that evening for something, which left Steve and I calmly sitting in the living room. We were watching some show I wasn’t particularly interested in, but I was happy to just be sitting there. I’m sure we were talking casually, but I don’t remember much until the question came. “So...what’s your degree in? What are you going to do when you graduate?” What are you going to do to take care of my daughter?

I have no fucking clue. “I...uh...honestly don’t know, sir…” And I elaborated, as I always do. I’m a long-winded talker when I’m in an interesting conversation. I explained my current nervousness about the future and my lack of direction, a feeling I was unfamiliar with.

“Well...why don’t we go to my office tomorrow and talk about that?” He replied, calmly.

I had little idea what he meant by that. Rebecca had told me her Dad was a financial planner though, so it wasn’t altogether weird for him to want to chat about it and give me advice. It was a little odd that it was on a Saturday we’d be going to his office...alone…

Reader, I don’t know if you’re from the South, but where I live there are a lot of half-jokes told about protective fathers and shotguns. I believed he was intelligent enough to hide a body, too.

But what actually happened that Saturday morning is Steve showed me life planning. He showed me the future. He gave me a window into something that I would be good at, something that would help others, and something I loved. He changed my life. It all started with the question “What’s important to you?”

After a winding road to graduation, a boring sales job, and a lot of begging, I became his understudy. I was put through a crucible of his mentorship. License-getting in record time, mock client meetings, learning the processes, listening with intention, and hours upon hours of driving down a long, empty highway in the mornings and evenings. It all paid off though. I was thriving and learning, which was something I was very good at.

After six months of preparation, I started running my own client meetings. He wouldn’t let me do them alone of course, but if I booked appointments he made sure he was available to sit in on them. He would take tons of notes! The clients thought the notes were about them and the substance of the meeting, but they were really about all the things I could improve. We would spend as much as an hour reviewing after each meeting. And man, did I get better quickly.

Just over a year later, I was winning awards within the larger region for our company. I was blowing my competition out of the water...in sales. With my clients, I was constantly learning how to meet more and more of their needs and deepen the relationships. Oddly, the two always seemed related. Do the right thing and the money will follow.

It all changed when the fire nation attacked. Corporate consolidation, I mean. The large insurance company we worked for decided that it was no longer doing business with individuals, so we were given short notice that we’d be moving firms. A year and a half into my career and I was already on the move. The new company made a lot of promises. Almost none held up.

My motivation waned. Around the same time we were moved, a lot of the things that had been joyous and business-driving at the previous firm started to dry up. We used to teach these wonderful courses for employees at large tech companies, for instance. Those were gone. The inefficiencies of the transition and inept movements of management cost us. Steve and Eric, the other member of our team, had less need of me. As a result, I lost quite a bit of enthusiasm.

During this time I slowly moved through my CFP® education and tried to go deeper with my clients. My “numbers” weren’t stellar on the product side, but my fees for planning were going up dramatically. Even with the few clients I had in those days, I was making a decent amount and feeling very fulfilled in that role. That said, pressure from the office and structure of the company weren’t far from view at any moment over my 18 months with this new firm.

There was an incident that made me leave. I distinctly remember a conversation with my sales manager that went something like this.

“So, let’s talk about your numbers.”

“Well, sir, sure! It’s only the end of the first quarter, and I have $25,000 in planning fees already. I’m pretty happy with those numbers. Financial planning seems to be paying off.”

“Congratulations. I’m really happy for you...that said...because you haven’t sold any insurance yet, we’re going to have to put you in the Sales Starter class. The GA is worried you won’t make contract by the end of the year at this rate. Insurance pays the bills around here, you know that.”

What about the $5,000 that you took out of my fees?

And so I left. The situation was untenable. They wanted me to sell insurance, and I wanted to do what was right for my clients. A few months later I launched a firm with XY Planning Network. Granted, the transition was not as smooth as I would have liked, but the industry is set up that way. It’s remarkably hard to give a two-week notice in the financial services industry.

My new firm Open World Financial Life Planning was about serving my people, nerds, better. Life is in the title on purpose. I had been practicing a form of proto-Life Planning the entire time, and I intended to grow more into that. The first step was finishing my CFP® certification, which I did within six months. Then I focused on growing from the five clients I brought with me to something more sustainable.

There was stress in that, as you might imagine. I was grateful for my five clients, but I’d lost about that many in the transition in some form. That meant that income was quite a bit lower than I’d imagined. Anxiety about money and building a business are really one and the same, however. I’ll be writing a blog post about that soon too.

Then a big reminder about Life Planning slapped me in the face - XY announced that they would have George Kinder himself hosting a 2-Day workshop at the annual conference. I knew I had to be there. Revenue was still tight, so an extra thousand dollars wasn’t that appealing, but to go any other time would be much more. And it was very worth it.

At the 2-day I was introduced to the EVOKE methodology by George himself. George is someone who commands a room not with a booming voice, but with a bold smile and a calmness that is almost palpable. That said, the calmness doesn’t mean he doesn’t work. We were in the 2-Day workshop for about 12 hours each day. The work is largely introspective, focusing on an understanding of your own money stories and ideal future so that you can see the same in clients.

Then came the end of the two days, where George life plans a member of the class. In the middle of the room, in front of 70 others, I watched a colleague well up with tears at the vision of his ideal future. George painted a wonderful picture with his words, showing my colleague just how simple and clear it could be. I would later come to realize that is the essence of life planning, it’s not magic, it’s just putting exactly what your client wants in full view and clearing the roadblocks in their mind. But, as another colleague of mine described it “Watching George work in the 2-Day was amazing and humbling. How am I going to do that?”

It was like seeing my future. I wanted to do that with clients, and moreover, I wanted to help spread the word that it could be done for clients.

I left the workshop feeling determined. I was going to practice my own life planning and find a way to make it to the 5-Day soon. I knew it couldn’t be right away...I just don’t have the money. I need to develop the practice. I wish I could, I mean...this one’s going to be all XY people...

I got a text from my wife the next day, after recapping all of the feelings and sentiment with her, that said: “My dad said he’ll pay for us to go to the 5-Day in Hawaii in January. He wants us to get life planned together.” I called her immediately, trying not to cry. “A-Are you serious?”

Given that this post is about life planning, I’d be a hypocrite not to admit that I have trouble accepting help financially. I was given a sort of “Life Start Fund” by my parents, and sometimes it feels like accepting help beyond that is just too much privilege for me to stomach. That said, this was important enough that I overcame that reflex of mine in favor of what I knew I needed to be doing.

So we booked our trip to Hana, and set off on a journey I will never forget.

What can 7 Wonders teach us?

7 Wonders is an awesome board game that features a drafting mechanic and a race to build the most dominant civilization. The victory points can come from structures, military, science, or even building out your Wonder! But, there's a hidden lesson in this game about finance. What can 7 Wonders teach us about money?


What's up, Internet? My name's Ian Bloom. Welcome to Nerd Finance. I'm your resident financial life planner and huge nerd! In today's episode, we are going to be talking about a board game, 7 Wonders. 7 Wonders is an interesting board game to bring up because, well, like all other board games, it has a hidden lesson in it. In this game, you are building your ideal civilization and starting to accrue victory points, which are essentially influence on the world. Victory points in 7 Wonders come from spending resources and building structures or objectives that will convey certain resources or benefits to your civilization. There are cards that are used to accomplish this. It is a drafting game where you get to pick a card out of each pack and pass it onto your neighbor. The different types of cards, starting with brown, are resource cards and then move on to things like science, merchants and eventually civilian structures that are incredibly beneficial to your society.

Now, the interesting thing about 7 Wonders is that while it has an economic system, there are also ways to work around it and almost never use gold. Gold allows you to buy resources from your neighbors and to accomplish certain things within your civilization like purchasing certain cards, but it does not prove to be mandatory throughout the game. And this is a lesson that I think 7 Wonders can teach us very well. You see, planning, financial planning or otherwise, is not about the money and neither is life. Money is a tool that you may need in order to accomplish the things that you want in life, but ultimately you get to decide your path. So the amount of money that somebody needs is entirely individual to them. Finances are not the purpose, but they are one of the best tools to get you closer to your purpose.

Ultimately, the other thing that 7 Wonders teaches us is that you need an infrastructure set around yourself to win the game. The people who win a game of 7 Wonders are people who have committed to a strategy and built out all of the architecture for that strategy, whether that be science or civilian structures or merchants or just building out your wonder, and it's similar in life. If you're going to accomplish something of meaning, you have to set up an infrastructure around yourself, whether that is building a business like I've done, or just simply having the social networks and support systems set up around yourself to accomplish these things.

Finally, financial infrastructure is a good thing to have in place in order to ensure that the resource of gold in 7 Wonders or money in real life is able to be provided to fit your goals. So there's my summary. In essence, 7 Wonders teaches us that life is not about money, it's about the things that money can help you do, and that in order to accomplish longterm goals, you do need to set up some sort of infrastructure around yourself to make those possible. If you enjoyed this video, like, comment, subscribe, those sorts of things. And if you find that this video leaves you wanting to learn more about my services or my firm, please head over to OpenWorldFP.com. Thanks so much for watching. Have a nice day.

What It's Like (To Start a Firm)

I started writing this piece because of someone who you’ve seen linked here before, Meg Bartelt. We were having an amazing conversation under a tree in Hana, talking about what it’s like to be in this moment for me. At the time of writing this, I’m both terrified and excited. It’s been that way since I left my last job. It’s about to be over, things have started moving for my firm in a big way, but I didn’t want to miss capturing this emotion. Starting a financial planning firm from scratch is hard and we aren’t talking about it enough. So here I am, talking about it, because that’s probably the best way to convey the feeling.

“Then you really might know what it’s like…” - What It’s Like by Everlast

Entrepreneurship and self-drive has been something bubbling under the surface for me for a long time. I sold knives during the summer following my freshman year of college, eager to be in control of my income. I sought out an RA job when I discovered that slinging blades wasn't for me. I liked it enough, but disliked the hours. I then participated in an MLM, much to the chagrin of my friends, a few years later. It was all to see what I could build for myself. The latter did not work out, so I got to taste failure, but it left me knowing what it took to get myself to work on my own. So I don’t think it was to anyone’s surprise when I started Open World Financial Life Planning. Granted, this is a real thing I’m building, not a manufactured version of entrepreneurship.

The first few months of starting my firm were a mix of excitement and frustration. There was a ton of ‘creative energy’ flowing through me. I had a strong desire to design, to build, to produce. That’s where the YouTube channel and the Podcast started. I had tons of time and nothing to do with it, so cranking out content was a way to distract myself. That’s where the frustration set in, between trying to manage the transition of some clients and the state regulatory board not approving my firm in a timely fashion, I just wanted to be able to announce my business to the world. I had tons of videos produced (they were bad, but they existed) and I wanted to post them!

Over time that excitement gave way to something entirely different. It only took about two weeks after registration. I would call it dread. Have you ever played a strategy game (anything from Monopoly to Civilization) and seen your loss before it happened? You can see how your opponent is about to win, but they would need to really mess up for you to not lose. That’s the feeling. Okay, so now I’m registered, but I have no idea how to get clients from scratch.

I tempered this feeling and ignored it with action. I began going to some networking events. Three or so a week. I also taught ‘lunch and learns’ at the coworking space I was now a part of. Both were fulfilling, because I was meeting new people, and I had some immediate results in the form of interest. It took a few months (January, and I launched in August), but I started bringing on some clients. That was a huge relief. Phew. I really can do this, with or without Steve.

At my previous firm I was benefitting hugely from the reputation and clout of my mentor, and I now no longer had that cushion, but I was proving to myself that it was possible to do it on my own. That was exciting. All the while, however, I was watching my bank account trickle downward. The start-up expenses for my firm were not great (I measured them about at $1,100/mo, pretty lean), but my cost of living was high for the area. Two cars we’d bought when we had two incomes now seemed like they were eating me alive. That trickle caused anxiety, especially when clients stopped showing up for a while.

In 2019, from May to October, I brought on zero new clients. Talk about anxiety. After talking with other firm owners and being on the other side, I can tell you that this is entirely normal as a phase of growth, but it still terrified me. What if I fail? I had an inheritance, and I’m burning through it every month…

I have since described this feeling as having a 10lb weight on your chest at all times, and when you need to spend a few hundred dollars on something, it goes up to 20lbs. If there’s one lesson I would have you take from this, do not let that emotion come home. I did. It’s been difficult to talk to my wife about money in the past as we have entirely different money stories, and the minor panic made it even worse. I know for a while I made her feel every ounce of my anxiety, and that was not fair to her. She’s her own person with her own problems to deal with.

Then I went to XYPN Live in October and some magic happened (not the trading card game, I was the only one who played that was there…) I focused entirely on being better at planning and blocked out the real world for a few days, and as if by dumb luck, I had three emails for booked potential client appointments on my way out of the conference. I did not make calls, they all just showed up. It was an immense feeling of relief.

I would go on to bring in 4 clients from October to December of 2019, which made me feel over the moon. 9 new clients in 2019, short of my goal, but still growth of over 200% from what I had coming into the year.

That success has continued by the way. I brought on two clients this January, and have three potential new clients in February. It’s been great. I also have a new planner starting with me this month...someone who just showed up in my life and wanted to work the same way I did. We’ll announce him to the world soon, when he’s good and ready.

Don’t think that all this good fortune has changed the feelings though. Feelings aren’t logical. I know that things are looking up from here, but I’m still afraid of another client drought. I don’t think I will ever be fully free of that fear. It’s just less potent now.

Starting a financial planning firm is a rollercoaster. You will experience some pretty low lows. They will feel paralyzing, anxious, and full of self-doubt. The trade-off is that you will experience the highest highs you’ve ever had in your life. The list includes being featured in an article highlighting you as a person and a professional, changing the lives of your clients, having someone say to you “You’re amazing.” and actually mean it.

So do it, whatever that thing is for you. Just be prepared for the emotions. Be comfortable feeling them, to the extent that you can be. Make sure you have some amazing people in your corner too, pushing you to be better. I would not have made it this far without any one of these people.

My List:

-Rebecca Bloom

-Steve Brody

-Jon Bloom

-Sally Bloom

-’The Friend Group’

-Colin Overweg

-Dwight Detloff

-Isaiah Douglass

-Michael Mustian

-Mike Zung

-Zhi Li

-Taylor Deardoff

-Meg Bartelt

-The Entirety of the Kinder 5-Day Group

And plenty of other people in my life who challenge me to think differently, act more, and do better.

“You know where it ends, yo, it usually depends on where you start…” - What It’s Like by Everlast