Walking Alone: Why Your Personal Journey Doesn't Need Everyone's Understanding

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

#Entrepreneur #Business #The Authentic Man #Don't Get

28:02

Learn when a refi saves money and how target-date funds work, including fees and when to pick a later fund year. What exactly is a target-date fund, and when should you move your date? How do you know if now is a good time to refinance a house? Hosts Sean Pyles and Elizabeth Ayoola discuss mortgage refinancing and target-date funds to help you understand how to quantify savings on a refi and how to set (and adjust) an age-appropriate retirement glide path. To kick off the episode, NerdWallet senior news writer Anna Helhoski joins with mortgages and student loans writer Kate Wood and mortgage reporter Holden Lewis to break down why refis are spiking even without fresh Federal Reserve cuts, who’s most likely to benefit right now, and how markets (not just the Fed) drive daily mortgage rate moves. They begin with a discussion of rate-and-term vs. cash-out refinancing, with tips and tricks on calculating your breakeven point, using the ~0.75 percentage-point rule-of-thumb for potential savings, and factoring in 2% to 6% closing costs and how long you’ll stay put. Then, investing Nerd June Sham joins Sean and Elizabeth to discuss target-date funds. They discuss how glide paths work (to vs. through retirement), when to push your target year if you’ll work longer, and how fees compare with index funds/ETFs, plus contribution frameworks (10% to 15% of income vs. the “80% replacement” rule) and why many hands-off investors value auto-rebalancing despite higher expense ratios. A listener case study (age 35, 2055 fund) highlights how to revisit your target date in the decade before retirement, how to read a fund’s glide path, and why staying invested and consistent often matters more than chasing perfect timing. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In this episode, the Nerds discuss: mortgage refinance, refinance calculator, mortgage rates today, breakeven point refinance, cash-out refinance, HELOC vs cash-out, refinance closing costs, when to refinance, refinance vs home equity loan, bond market and mortgage rates, Federal Reserve and mortgage rates, target-date fund, best target-date funds, target-date fund glide path, to vs through glide path, 401k target-date fund, change target-date fund year, 2055 target-date fund, target-date fund fees, expense ratio comparison, ETF vs mutual fund, index funds S&P 500, retirement contribution 10 to 15 percent, 80 percent income replacement rule, taxable brokerage vs 401k, annuity vs staying invested, debt consolidation with home equity, credit card APR vs mortgage rate, divorce refinance requirements, stay-or-sell breakeven analysis, and refinance eligibility 2025. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com . Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices…

about a year ago 8:55

MP3•Episode home

Your journey might be misunderstood by others, but it's perfectly understood by the person who matters most - you. Trust the process, trust yourself, and know that your breakthrough is coming. When it does, you'll look back on this time of solitude not with sadness, but with pride, knowing you had the courage to keep going when the path was unclear and the support was limited.

684 episodes

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

Walking Alone: Why Your Personal Journey Doesn't Need Everyone's Understanding

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

published about a year ago

MP3•Episode home

684 episodes

#Entrepreneur #Business #The Authentic Man #Don't Get

All episodes

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Love You Accept: A Mirror of Your Self-Worth 8:16

1 day ago8:16

8:16

When you're in a relationship that truly honors who you are, it gives you the energy and confidence to pursue other dreams and goals. Good love should fuel your ambitions, not drain them. It should make you feel more like yourself, not less.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Permission to Be Happy 7:57

4 days ago7:57

7:57

Happiness rarely just happens - especially when you're in the habit of putting everyone and everything else first. But when you start making space for joy, when you start treating your happiness as important, something beautiful happens.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Everything Happens for a Reason 6:42

9 days ago6:42

6:42

Your story is still being written, and the best chapters might still be ahead of you. So be patient with the process, stay open to the lessons, and remember that every thread in your tapestry serves a purpose.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Art of Healing 8:34

11 days ago8:34

8:34

Healing isn't about returning to who you were before - it's about becoming who you're meant to be after. Be patient with yourself, trust the process, and know that every day you keep going is a day closer to feeling whole again .

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
When Life Clears Your Path: Finding Beauty in Letting Go 7:24

16 days ago7:24

7:24

One day, you'll look back at this moment of uncertainty and pain, and you'll understand that it wasn't just necessary - it was a gift. It was guiding you toward a life more beautiful than anything you could have planned for yourself.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Living Like There's No Tomorrow 7:16

18 days ago7:16

7:16

The truth is, we're not guaranteed tomorrow. Hell, we're not even guaranteed the next hour. But we have this moment - right here, right now. And that's actually more powerful than any guarantee could ever be. Because in this moment, you have choice. You have agency. You have the power to decide who you want to be and how you want to show up.…

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Dancing with Uncertainty 8:13

23 days ago8:13

8:13

Your dreams are too important, too precious, too amazing to live only in your imagination. So take that chance you've been thinking about. Make that move you've been planning. Start that project you've been researching. Have that conversation you've been rehearsing in your head.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Life Has Its Own Timeline 7:57

25 days ago7:57

7:57

You're not behind. You're not failing. You're not doing life wrong. You're living and learning at exactly the pace you're meant to. Your struggles, your victories, your quiet moments of growth - they're all happening in perfect timing for your journey.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Rhythm of Life: Understanding Your Journey Through Peaks and Valleys 5:45

30 days ago5:45

5:45

Remember, somewhere in the future, you'll look back at this moment and understand why everything had to happen exactly as it did. Those moments of struggle? They're depositing something valuable within you - resilience, wisdom, strength.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
One Day at a Time 7:20

5 weeks ago7:20

7:20

Stop trying to solve next year's problems with today's energy. Trust that future-you will handle future problems when they actually arrive

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Stop Living Someone Else's Highlight Reel 8:19

5 weeks ago8:19

8:19

Your life is the ultimate lottery ticket, and you've already won just by being here. Stop acting like you're still waiting for your numbers to be called. The jackpot is yours - it's your consciousness, your experiences, your relationships, your unique perspective on this crazy world.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
When Life's "Wrong Turns" Lead You Right 7:48

6 weeks ago7:48

7:48

Life isn't taking you on the scenic route to torture you or waste your time. It's showing you things you need to see, teaching you lessons you need to learn, building muscles you'll need later. Trust the process, even when it doesn't make sense, even when it's taking longer than you hoped.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Grass is Always Greener: Finding Peace in Your Chosen Life 7:13

6 weeks ago7:13

7:13

The only real choice we have is deciding which set of problems we're willing to carry, which battles we're willing to fight, and which dreams we're willing to let go of to hold onto others.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Right Now is All We Have: Stop Waiting for Someday 6:56

7 weeks ago6:56

6:56

Pour your heart into today, because this - right here, right now - this is the good old days we'll be talking about tomorrow. Your future self is counting on your present self to stop waiting and start living.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
How Childhood Shapes Our Adult Hearts 7:26

7 weeks ago7:26

7:26

You deserve relationships where love is freely given, not carefully rationed. You deserve to feel secure, to ask for what you need, and to trust that you're worthy of consistent, unconditional care.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Art of Simply Being 9:47

14 weeks ago9:47

9:47

You are enough, right now, exactly as you are. Your worth isn't determined by your productivity, your achievements, or your ability to keep up with everyone else's pace. You're valuable because you exist, because you're trying, because you're human.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Freedom of Not Needing to Be Understood 9:30

15 weeks ago9:30

9:30

Your journey doesn't need unanimous approval to be meaningful. You don't need everyone's vote to live your life. Build yourself from the inside out, and let your peace be your power. When you're solid in who you are, other people's confusion becomes background noise instead of a crisis.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Lens of Perception: How We Create Our Reality 9:59

15 weeks ago9:59

9:59

Life's gonna keep throwing curveballs at you. That's just how it works. But now you know the secret, you get to choose what those curveballs mean. You get to decide what story you tell yourself about what happens to you

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Pressure to "Figure It All Out" 9:13

16 weeks ago9:13

9:13

Life is not about reaching some final destination where you have everything figured out. It's about becoming who you're meant to be through the process of exploring, questioning, failing, learning, and growing. The uncertainty isn't a problem to be solved - it's a feature of a life fully lived.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Embracing Life's Unexpected Path: Finding Purpose in Uncertainty 6:12

16 weeks ago6:12

6:12

Life is going to keep happening, with or without your perfect plan. The real magic is in learning to ride those waves with grace, curiosity, and an open heart. Every twist, every turn, every unexpected detour is potentially leading you exactly where you need to be.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Power of Perspective: A Gentle Reminder 9:42

16 weeks ago9:42

9:42

Trust the timing of your life. Trust the wisdom of your journey. And most importantly, trust yourself – your resilience, your adaptability, and your capacity to transform challenges into stepping stones. Keep going. Your time is coming. And when it arrives, you'll understand why everything had to happen exactly as it did.…

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Letting Go 7:42

17 weeks ago7:42

7:42

Letting go isn't about giving up or throwing in the towel. It's about liberation. It's about consciously choosing where to invest your precious energy and learning to trust yourself to handle whatever comes your way.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Art of Not Knowing: Finding Peace in Life's Mysteries 9:41

17 weeks ago9:41

9:41

It's time to chill out, embrace the unknown, and stop treating your brain like Google. Some of the best parts of life are the parts you'll never fully understand, and that's exactly how it should be!

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Breaking Free from Self-Judgment: Embracing Your Journey 9:17

18 weeks ago9:17

9:17

Your mistakes don't define you. Your past doesn't determine your future. You are a constantly evolving work in progress, learning and growing with each experience. Give yourself permission to leave behind the weight of self-judgment and step into a future defined by self-compassion and grace.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
When Breaking Down Becomes Breaking Through 8:23

18 weeks ago8:23

8:23

Every moment of confusion, every period of loneliness, every instance of doubt - these are not setbacks but essential parts of your reconstruction. You're not lost; you're in progress. You're not damaged; you're in development. This journey of rebuilding isn't about rushing to become whole again; it's about taking the time to become real.…

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Silent Price of Comfort 10:27

19 weeks ago10:27

10:27

The choice is yours. Will you continue to build your cage of comfort, or will you start building the bridge to your dreams? Your future self already knows the answer. The question is: do you?

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Beautiful Uncertainty of Personal Growth 7:28

19 weeks ago7:28

7:28

Embrace this uncertainty. Welcome the nervousness. Let the doubt be there without letting it stop you. You're not meant to have it all figured out right now. You're meant to be exactly where you are: in process, in progress, in transformation.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Resilience: The Power of One More Try 8:25

19 weeks ago8:25

8:25

The difference between those who achieve their dreams and those who don't often comes down to this simple but crucial choice – the decision to try one more time after everyone else, including their own doubts, has told them to quit.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Beauty of Difficult Paths 7:58

20 weeks ago7:58

7:58

This isn't just about reaching a destination; it's about becoming the person capable of reaching it. The struggle you're facing isn't just testing you – it's transforming you. That evolution of who you are? That's the real achievement.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Currency of Life: Understanding What Your Choices Really Cost 9:06

20 weeks ago9:06

9:06

You're going to pay a price no matter what. Make sure what you're buying is worth it. Don't be afraid of the price tags on growth, courage, and authenticity - they're the best investments you'll ever make.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Quiet Revolution of Time 7:09

8 weeks ago7:09

7:09

Step outside, feel that sun on your face, and remember - you're exactly where you need to be, becoming exactly who you're meant to become. The best is yet to come, and your story is far from over.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Stop Waiting for Perfect: Your Purpose Won't Fulfill Itself 6:58

8 weeks ago6:58

6:58

Stop waiting for perfect timing, perfect conditions, perfect preparation. Start where you are, with what you have, as imperfectly as necessary.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Trust Your Timeline 7:51

9 weeks ago7:51

7:51

Trust your timeline. Trust your process. You're exactly where you need to be, becoming exactly who you need to become. Your journey might look different from others, but that doesn't make it wrong or less valuable. It makes it yours.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Your Future Self is Cheering You On: Why Holding On Changes Everything 6:25

9 weeks ago6:25

6:25

Trust in the process, even when you can't see the progress. Believe in the possibility of better days, even when today feels impossible.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Silent Battle: Living Below Your Potential 7:58

9 weeks ago7:58

7:58

The only thing more painful than the journey of growth is the regret of never having tried.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
You Don't Miss Them - You Miss Who You Were With Them 7:00

10 weeks ago7:00

7:00

We all crave connection and validation - it's human nature. But when we mistake the feeling for the person, we end up stuck in cycles that don't serve us.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Life Isn't Fair and That's Okay 7:40

11 weeks ago7:40

7:40

When you stop expecting life to be fair, you start living it more fully, more authentically, and paradoxically, more peacefully.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Your Story, Your Terms: Why You Don't Need Anyone's Permission to Be You 8:05

11 weeks ago8:05

8:05

Your scars tell a story of survival. Your struggles tell a story of strength. Your journey tells a story of resilience that no one else can fully understand because no one else has lived it. So own it, embrace it, and keep writing that beautiful, messy, authentic story of yours.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
When Life Doesn't Go According to Plan 7:47

11 weeks ago7:47

7:47

Your path might not look like what you originally planned, but that doesn't make it wrong. Sometimes the most beautiful destinations are the ones we never thought to put on our original map. So trust the process, trust the journey, and most importantly, trust that you're exactly where you need to be, even when it doesn't feel like it.…

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Your Darkest Moments Create Your Greatest Strength 7:17

12 weeks ago7:17

7:17

Every difficult experience is adding tools to your toolkit, building muscles you'll need later, preparing you for a level of life that requires this kind of strength. You're not being punished, you're being prepared.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
What Are You Really Paying For? 6:34

12 weeks ago6:34

6:34

If you must pay - and you absolutely must - then pay for growth, for dreams, for the life that calls to your heart.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
The Paradox of Choice and the Freedom of Acceptance 7:33

13 weeks ago7:33

7:33

By accepting that regret is part of the package deal of living, you free yourself to make bold choices, take meaningful risks, and fully embrace the adventure of life - imperfections and all. You stop waiting for permission from life and start giving yourself permission to live.

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Living Without Fear 7:50

13 weeks ago7:50

7:50

Take the risks, have the conversations, chase the dreams. Because in the end, the only approval that really matters is your own. The only permission you need is the permission you give yourself. And the only regret worse than temporary failure is permanent wondering "what if."

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Walking Alone: Why Your Personal Journey Doesn't Need Everyone's Understanding 8:55

14 weeks ago8:55

8:55

Become Limitless, Towards Greatness: Explore the Possibilities of Your Limitless Potential

1
Going with the Flow: Letting Life Happen 5:07

14 weeks ago5:07