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While traveling for work this week, I had several conversations with colleagues I only see once or twice a year. Some of those conversations were eye-opening. Many noticed positive changes in me. More energy, better focus, better health. And it reminded me of something we don’t talk about enough: the cost of borrowing time from ourselves. This video isn’t about financial debt. It’s about the kind of debt we create when we keep telling ourselves we’ll start tomorrow — with our health, our habits, our goals, or the work we know we need to do. In this episode, I talk about: • The most expensive form of debt most people ignore • Why postponing small daily actions adds up • How daily non-negotiables remove friction • Why progress comes from consistency, not intensity Here on this channel, we focus on daily habits — designed in short, 60-day seasons — that compound over time and create real change. If this resonates, subscribe and join me for future episodes as I continue breaking down the system, the seasons, and the habits that actually move the needle.