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I’ll begin with a secret: I never cared much about the nuts and bolts of personal finance (the means), but I was rather enamored with the idea of a financially secure life (the ends). In 2018, climbing media was still full of narratives glorifying the poor dirtbag ideal, but that didn’t align with my lived experience. I wanted to climb hard, while also yearning for meaningful work and financial security. That’s the first half of this story.    Support this project: Buy Me a Coffee Subscribe to the newsletter: SUBSCRIBE ME! Show Notes and Links at Clippingchains.com

From a market perspective, history has always favored the unfazed, the patient, the forgetful. Drastic action in times of great uncertainty is almost always the wrong move. Time and again—just like now—people convinced themselves of imminent disaster. And in nearly all cases, they were wrong. Financial writers and hardened optimists are right to remind us: “This time isn’t different.” But I’ll be straight with you: This time might be different.   Support this project: Buy Me a Coffee Subscribe to the newsletter: SUBSCRIBE ME! Show Notes and Links at Clippingchains.com

I’ve made it my goal over the past few years to steer people toward financial independence but away from early retirement. I have many reasons, and I’ve laid those out over numerous blog posts and podcast episodes. These are the big themes:   Support this project: Buy Me a Coffee Subscribe to the newsletter: SUBSCRIBE ME! Show Notes and Links at Clippingchains.com

I’ve drifted in and out of the meritocracy trap over the years, but mostly, I’ve stayed stuck in its sticky web. I quickly learned the value of good grades and securing better jobs. Once I landed a good job and the race to secure it was over, I descended into despair at the thought of doing it for the next forty years. Fast-forward a decade, and financial independence allowed me to sidestep the meritocracy trap. However, this too felt like another shiny merit badge. When I reached that point, I looked around and realized, like a bus rider stepping off at the wrong stop: damn it—this isn’t it. Who would have thought you couldn't find happiness by looking for it?   Support this project: Buy Me a Coffee Subscribe to the newsletter: SUBSCRIBE ME! Show Notes and Links at Clippingchains.com

My wife and I stood at the edge of the world—or at least what felt like it—squinting through the murk and sea spray to snap photos of a decommissioned lighthouse. Less like some beacon of hope, its white tower loomed like a ghost, haunting the craggy cliffs of coastal Victoria and my vacation prospects. We’d arrived at the sleepy Victorian coastal town of Port Fairy expecting sunshine, a pleasant breeze—and if not asking too much—maybe a kangaroo or two bounding in silhouette against the sunset. Instead, a spectrum of misery lay before us: wind that could strip the paint from a car and rain in erratic, bipolar bursts.   Support this project: Buy Me a Coffee Subscribe to the newsletter: SUBSCRIBE ME! Show Notes and Links at Clippingchains.com

Australians, it seems, are utterly smitten with coffee. The beverage of choice appears to be the flat white, a silky yet buttoned-down cousin to the latte or cappuccino. We landed in Sydney at dawn, dragging two hefty bags from baggage claim. Our first order of business was to snag a flat white before leaving the terminal. Ever the minimalist, I settled for an espresso, watching the crowd in a bleary-eyed daze, squinting at the sun as if it were a new concept. My wife, meanwhile, sat busy photographing her artfully swirled toothpick masterpiece. Soon enough, we embraced the day and ventured out into the land of sculpted asses in Bondi Beach.   Support this project: Buy Me a Coffee Subscribe to the newsletter: SUBSCRIBE ME! Show Notes and Links at Clippingchains.com

They say that grief comes on like a tsunami, a wave of incredible power and uncontrollable force that washes over us. The metaphors are many—trains and dump trucks, roller coasters and rivers—and they all check out. Grief comes on hard and renders us powerless in its wake. But I’ve been consumed less by a powerful force and more by the emptiness of where something used to be. Because grief is, after all, an empty hole. And it hurts because I allowed myself to love so deeply and unexpectedly. After all, loving never came easy until I met this dog.   Support this project: Buy Me a Coffee Subscribe to the newsletter: SUBSCRIBE ME! Show Notes and Links at Clippingchains.com

Retirement is often an ideal detached from reality. When overwhelmed by daily routines, it’s easy to imagine retirement as a stress-free life with a blank calendar and complete freedom. However, retirement often brings unexpected psychological challenges, including a lack of purpose, boredom, relationship strain, and a troubling sense of isolation. Today’s guest, David Champion, retired from his software development career at 53. Nearly five years later, a line from one of his blog posts for Can I Retire Yet? titled Confessions of an Early Retiree jumped off the page. He wrote: “I am a proponent of retiring as early as possible.” While he had no regrets about retiring early, he later admitted to experiencing significant psychological challenges. In our conversation, David reconciles his “no regrets” view of early retirement with the difficulties of adapting to life without traditional work. Throughout, David highlights the need for self-awareness and embracing one’s true identity to find fulfillment in retirement (and climbing).   Support this project: Buy Me a Coffee Subscribe to the newsletter: SUBSCRIBE ME! Show Notes and Links at Clippingchains.com

Perhaps no one has quit their job like my guest today, Cory Richards. Richards, still a world-renowned photographer, abruptly ended his career as an elite mountaineer in April 2021 at the foot of the world’s seventh-highest peak. Over several days, Richards experienced what he later described as a mixed bipolar episode. With one hundred thousand dollars spent and a film in the works, Richards announced to his team at Dhaulagiri’s cold and windblown base camp that he was quitting—not just the expedition, but climbing altogether. He told his livid teammates he planned to move to Los Angeles to pursue filmmaking and writing. The pressure cooker of personal history, fame, high achievement, and perhaps the exhaustion of living someone else’s life boiled over. In 2011, Richards became the first and only American to climb one of the world’s 8000-meter peaks in winter. On the descent, the team narrowly escaped death in an avalanche. In the aftermath, Richards snapped the iconic frozen selfie that adorned the cover of National Geographic’s 125th-anniversary issue. He was the 2012 National Geographic Adventurer of the Year and a 2014 National Geographic Photographer Fellow. He summited Everest without oxygen, garnering over two billion media impressions with his partner Adrian Ballinger as they Snapchatted their way up the mountain in 2016. For years, people lived vicariously through him. He garnered over a million Instagram followers. Everyone told him he had the dream job. He traveled nine months each year across the globe to distant and stunningly beautiful lands to climb and take pictures. But in his own words, he “hated it.” He was an addict, fueling a burning fire with alcohol, sex, and tremendous pressure to do more and go bigger in increasingly deadly circumstances. Then it all fell apart. His memoir, The Color of Everything, is set to release on July 9. It’s a gripping and shockingly frank account of Cory’s life struggles. From his adolescent mental health diagnosis to a life of addiction and denial, he’s found the slow path toward acceptance. This is a story of personal growth, societal pressures, and the complex interplay between vulnerability, achievement, and emotional resilience.   Support this project: Buy Me a Coffee Subscribe to the newsletter: SUBSCRIBE ME! Show Notes and Links at Clippingchains.com

Recently, I’ve been increasingly conflicted by several dueling experiences and sensations: Reduced Stress: Since departing from the Standard Corporate Office Environment (SCOE), I’ve enjoyed decreased stress and anxiety levels. While stress has its upsides, reducing chronic stress is foundational to living a good life.Mounting pressure to be part of society. I’ve been working on this project for six years, but being a home-based blogger and podcaster isn’t fully satisfying some of the key pillars of a meaningful life.Decreased Motivation: I’m finding it hard to engage tasks not entirely aligned with my vision of a good life. Paradoxically, a good life involves doing hard things.Here's the good news on how to maintain a strong financial base and do work you love.   Support this project: Buy Me a Coffee Subscribe to the newsletter: SUBSCRIBE ME! Show Notes and Links at Clippingchains.com

Imagine being faced with the daunting task of predicting the future with nothing but incomplete information and a handful of hunches. Perhaps you're considering new experiences, like travel or moving to a different town. When I imagined quitting my job, I envisioned a happier world, free from the perceived burden of corporate work. In the following months, however, my expectations were shattered upon realizing that I still largely felt the same despite my newfound freedom. In recent years, this recognition has remained vivid, sparking my curiosity about why predicting outcomes in the face of uncertainty is so difficult.   Whether anticipating a geopolitical event, forecasting stock market trends, or simply contemplating life’s next move, accurate prediction is an ever-present challenge. As I began to journal in earnest some years ago, I uncovered a fascinating trend hidden between the mundane details: my predictions were fraught with overblown concern and startling inaccuracy. Delving into the complexities of prediction and expertise, it becomes clear that many factors—from biases and cognitive distortions to the whims of randomness—shape our perceptions of certainty and accuracy. Despite these hurdles, new research offers a glimmer of hope.   Support this project: Buy Me a Coffee Subscribe to the newsletter: SUBSCRIBE ME! Show Notes and Links at Clippingchains.com

In 1949, a college junior named Barbara Beattie wrote a letter for a school journalism assignment. We can only speculate on Beattie’s youthful expectations: Was she so naive to expect a response, or were these different times? She’d written playwright Arthur Miller at a time when the Broadway run of his most famous work, The Death of a Salesman, was in full swing. He had every reason to ignore a college student’s inquiries into the “formal genesis” of his now-legendary work. What Beattie received–a sprawling and deeply thoughtful essay on man’s common and timeless tragedies–must have impacted her greatly. After all, she’s kept it for seventy-five years. Beattie’s daughter found the letter when helping her mother, now 94, move out of her home.   Support this project: Buy Me a Coffee Subscribe to the newsletter: SUBSCRIBE ME! Show Notes and Links at Clippingchains.com

In normal times, rent prices, like most everything else, slowly yet surely increase at about 2-3% per year. This is inflation. But in terms of the housing market, these aren’t normal times. In the pandemic era, as demand surged in supply-restricted markets, both sale and rent prices soared, with year-over-year inflation rates at 30% or more in some markets. To speak generally of the world of pricing, what goes up might come down. So, when I approached our landlord a few weeks back about lowering the price of our rent, she wasn’t so surprised.   Support this project: Buy Me a Coffee Subscribe to the newsletter: SUBSCRIBE ME! Show Notes and Links at Clippingchains.com

According to the Centers for Disease Control and Prevention, chronic pain—pain lasting at or beyond three months—affected over 20% of U.S. adults, or 51.6 million people, in 2021. Symptoms were severe enough to substantially restrict daily activity for 6.9% of Americans that same year. And with chronic pain comes soaring medical costs, pharmaceutical over-reliance, and addiction.   Mounting multidisciplinary research suggests that most chronic pain is not of structural origin. In other words, most chronic pain can not be directly attributed to injury or physical abnormality. Neuroplastic pain results from the brain misinterpreting signals from the body as if they were dangerous. We habituate to pain, creating behaviors that either avoid pain or alleviate symptoms.   Encouragingly, those undergoing a psychological treatment known as Pain Reprocessing Therapy (PRT) are showing vast improvements in pain management without pharmaceutical or other medical interventions. One major study found that two-thirds of chronic back pain patients were pain-free or nearly pain-free after four weeks of PRT interventions. In addition, patients showed visible changes in the prefrontal brain regions associated with pain after therapy. While psychological treatments are effective in managing chronic pain, this does not imply that the pain is imaginary.   My guest today, Miriam Gauci Bongiovanni, suffered needlessly until she discovered the concept of neuroplastic pain. Today, now pain-free, she works from her home in Malta as a Certified MindBody Practitioner and Trauma-Informed Coach. But beyond her skills as a wonderful teacher and educator on chronic pain, I found her story of embracing a nontraditional career fascinating. Today we dive in on everything from how our personalities and fears inform our pain cycles to living a good life.     Support this project: Buy Me a Coffee Subscribe to the website: SUBSCRIBE ME! Show Notes and Links at Clippingchains.com   Topics Discussed with Miriam Gauci BongiovanniMiriam’s history with debilitating pain and the methods she used to cure itWhat is neuroplastic pain?Cycles of worry that feed neuroplastic pain: How fear contributes to body tension and muscle spasmsWhy neuroplastic pain often develops from real injuriesWhy emotional experiences are creating real physical changes in the bodyThe role of personality on neuroplastic pain and who is most likely to sufferConditioning and pain triggersKey indicators of neuroplastic painHow neuroplastic pain can imprint on structural painThe nocebo effect, expectations of painWhy continuing to see practitioners (PT, etc) can contribute to neuroplastic painWhy exercises aimed at injury prevention may not be usefulSomatic tracking and learning to explore painful sensationsThe importance of play on pain mitigationMiriam’s personality and personal journey. How frustration at work resulted in painThe importance of accountability and individual agency in pain managementThe danger of hiding our stressLiving a nontraditional life and career: challenges and rewardsSo much more!

If you haven’t noticed, the concept of achievement and even competitiveness has weighed heavily on my mind as of late. A gift of the nontraditional life is the opportunity to step back and see the world around us with a degree of unusual clarity, far from the treadmill. For years I valued athletic and professional progress in ways that weren’t making my life better, but I thought they were. I searched for and implemented solutions to the wrong problems. Meanwhile, what truly mattered—mainly my relationships—withered on the vine. The journey toward rectifying these tendencies continues today.   My guest today, Lincoln Stoller, is a former mountaineer who now specializes in psycho-, hypno-, and neurofeedback therapy, in tandem with numerous other counseling and coaching services. Lincoln holds a PhD in Theoretical and Mathematical Physics from UT Austin, including a post-doc assignment at UC Berkley. Lincoln eventually moved from quantum physics to create a management and automation software platform for businesses, learned to build Norwegian log homes, traveled and lived abroad in far-flung foreign lands, and is even a certified pilot. To say Lincoln lives well outside of the bounds of normalcy is probably a half-truth at best. As he says in the interview, we should “just keep doing out-of-the-box stuff. And if people aren't calling you a little crazy or a little nutty, then you probably aren’t exploring enough of the boundaries.”   Today’s conversation revolves around the high-risk potential of hard-charging performers and achievers, whether they exist in sports, business, or other areas of life. While these individuals hold our collective attention and admiration, Lincoln outlines how their psychological roots run shallow. They often struggle to stay satisfied with themselves or those around them. Lincoln might even say he holds an anti-hard-man philosophy. I think you’ll see why.   Support this project: Buy Me a Coffee Subscribe to the website: SUBSCRIBE ME! Show Notes and Links at Clippingchains.com   Topics Discussed with Lincoln StollerQuantum physics to therapist/coachLincoln’s history in mountaineering amongst some of the legends of the sportWhy almost all climbers are “high-risk”“Resilience is not throwing yourself at a climb until you are torn and bloody, it’s exploring your limits and working them gracefully.”Why some people crave riskEmotions on the rock and exploration and mastering of triggersGetting past societal expectations of productivityCan satisfied people be high performers?How dissatisfaction can lead to pathology: “If you’re not satisfied with yourself, you won’t be satisfied with anyone else, either.”Is competition healthy?Is personal growth selfish?What is productive suffering and why is it important?Taking ownership: the dysfunctional mental model that experts can solve our problemsHow high performers can assess mental health concerns that might not be apparentRelationships with parents and why these are often commonly fraught“You can’t change people directly. You can only change people indirectly by changing yourself.”The importance of doing out-of-the-box stuff and why it’s okay to be considered differentHigh achievement and the difficulty with love and long-term relationships