July 2026

The One Trait That Actually Predicts Startup Success (Hint: It’s Not Age)

The One Trait That Actually Predicts Startup Success (Hint: It’s Not Age)


Opinions expressed by Entrepreneur contributors are their own.

Key Takeaways

  • The startups that scale and endure aren’t led by the fastest movers — they’re led by founders who know how to turn hard-won experience into sharper judgment and discipline.
  • If you lack experience in a critical area, the fastest way to close the gap isn’t to learn it the hard way — it’s to bring in advisors, hires or board members who’ve already been down that road.

Startup culture has, for years, promoted a narrow image of success: fast-moving founders, bold bets and the idea that you can figure things out as you go. That narrative is compelling and sometimes accurate, but it leaves out something far more predictive of long-term success: the value of experience in the room.

When you look at companies that actually scale and endure, one factor shows up consistently. It is not age, but applied experience. The real question is whether founders know how to use experience as an advantage.

The data tells a more useful story

The stereotype of the young, first-time founder persists, but the numbers point in a different direction. Here’s a stat that tends to shatter the way people think about startups: MIT notes that among “firms in the top 1/10 of the top 1%, in terms of growth, the average founder’s age is 45.” More importantly, founders with prior industry and operational experience are significantly more likely to build high-growth companies.

Young founders can, of course, succeed, but experience, whether it comes from past startups, operating roles or deep industry exposure, materially improves their odds. In practice, the strongest founding teams combine speed with judgment rather than relying on speed alone.

Clarity is what experience actually buys you

In early-stage companies, the biggest risk is often distraction. With too many opportunities and plausible paths forward, teams often spread themselves thin and lose momentum.

Experience sharpens prioritization. Leaders who have operated inside growing companies tend to make clearer decisions about what not to do because they have seen how quickly focus can drift and how difficult it is to regain. If you are building a company, make trade-offs explicit. Before adding a new initiative, decide what gets deprioritized. That discipline is what turns opportunity into progress.

Pattern recognition is a hidden form of speed

Startups pride themselves on moving quickly, but speed without pattern recognition often leads to repeated mistakes. Hiring the wrong leader, expanding too early or misreading demand are common problems across companies. Experience allows you to recognize these patterns earlier and respond with more confidence. Instead of solving every problem from scratch, experienced operators draw from prior outcomes.

You can build this capability internally by capturing lessons in real time. After key decisions such as hires, launches or pivots, document what worked and what did not. Over time, you create institutional experience even as a young company.

Discipline is what turns ideas into execution

Flexibility is valuable early on, but inconsistency quickly becomes a liability. Missed timelines, shifting priorities and unclear ownership are rarely strategic failures. They are execution breakdowns. Experience introduces structure where it matters. Leaders who have scaled teams understand how to create operating rhythms that support execution without slowing the business down.

For founders, this often comes down to a few fundamentals: stable weekly priorities, clear ownership and consistent check-ins focused on outcomes. Discipline protects your agility.

Resilience changes how decisions get made

Every startup faces volatility. The difference is how leaders interpret and respond to it. Without experience, it is easy to overreact by treating setbacks as crises or short-term wins as validation. Experience adds context. Leaders who have seen multiple cycles understand that progress is uneven, which allows them to stay focused and make more measured decisions.

One practical approach is to separate signal from noise. When something changes in your business, determine whether it reflects a real trend or a temporary event. Your response should match that distinction.

Experience matters most as you scale

The early stage rewards creativity and speed. Scaling rewards coordination and judgment. As companies grow, communication becomes more complex, decision-making slows and small misalignments compound. Many teams struggle simply because their operating model has not evolved.

Experience helps founders anticipate these shifts. It informs when to introduce process, how to structure teams and how to balance autonomy with alignment. The key is to design for scale before friction forces you to. Access to decades of experience creates a shortcut to hard-won answers. Why suffer through the headaches when you can find somebody who has already been down this road before?

Strong founders are deliberate about surrounding themselves with people who have seen what they have not, whether through co-founders, early hires or advisors. Waiting to figure it out later increases the cost of learning. Instead, identify where your experience gaps are today and address them early. That decision alone can accelerate your trajectory.

Expand the definition of a strong founder

This isn’t a choice between fresh thinking and experience — the best companies build both into the team from day one.

Take a medical software startup I work with. The founders are passionate, and the product works well, but none of them comes from a medical background. That gap could have been a liability. Instead, they moved quickly to bring in industry veterans as advisors — people who could kick the tires early and flag the hurdles before they became expensive mistakes.

The lesson scales beyond healthcare: if you don’t have the experience in-house, buy it. Bring on an advisor, hire an operator who’s scaled a similar business, or put a seasoned executive on your board before you need one. Waiting until a blind spot becomes a crisis is the expensive way to learn it. Founders who do this move fast without moving blindly. They still take risks — they just understand the trade-offs going in.

Startups will always celebrate speed and bold bets. But the companies built to last run on something quieter: better judgment, tighter discipline and a clear-eyed read of how businesses actually grow. If you want that edge, don’t wait to accumulate it yourself. Audit your team today for where your experience gaps are, and go find the people who’ve already closed them.

That is what experience brings into the room. In a market where everyone is moving fast, it may be the advantage that compounds the most over time.

Key Takeaways

  • The startups that scale and endure aren’t led by the fastest movers — they’re led by founders who know how to turn hard-won experience into sharper judgment and discipline.
  • If you lack experience in a critical area, the fastest way to close the gap isn’t to learn it the hard way — it’s to bring in advisors, hires or board members who’ve already been down that road.

Startup culture has, for years, promoted a narrow image of success: fast-moving founders, bold bets and the idea that you can figure things out as you go. That narrative is compelling and sometimes accurate, but it leaves out something far more predictive of long-term success: the value of experience in the room.

When you look at companies that actually scale and endure, one factor shows up consistently. It is not age, but applied experience. The real question is whether founders know how to use experience as an advantage.

The data tells a more useful story

The stereotype of the young, first-time founder persists, but the numbers point in a different direction. Here’s a stat that tends to shatter the way people think about startups: MIT notes that among “firms in the top 1/10 of the top 1%, in terms of growth, the average founder’s age is 45.” More importantly, founders with prior industry and operational experience are significantly more likely to build high-growth companies.



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I’ve Spent Years Refining a 10-Step SEO System. Here’s How to Use It.

I’ve Spent Years Refining a 10-Step SEO System. Here’s How to Use It.


Opinions expressed by Entrepreneur contributors are their own.

Key Takeaways

  • SEO success depends less on the tools you use than on following the right sequence of research, optimization, content creation and measurement.
  • This article outlines a 10-step framework founders can use to build sustainable organic growth before hiring an SEO agency.

When founders ask me how to start with SEO, they usually expect a tool recommendation. The honest answer is that the tool isn’t the problem. The sequence is.

For the past few years, my agency has been refining the same end-to-end SEO process — the one I now use with every new client and break down across an eight-module curriculum we run for our team. The steps work because they’re ordered. Most founders fail at SEO not because they skip steps but because they do them in the wrong order: writing content before researching keywords, building links before fixing crawl errors and chasing traffic before defining what kind of traffic moves their business.

Here’s the 10-step sequence I follow, in the order I follow it. You can run all of it yourself for the cost of two free tools and a few weekends.

1. Start with niche research, not keyword research

Before you type a single seed keyword, define what your business actually has the right to win on. A skincare brand selling to dermatologists shouldn’t try to rank for best moisturizer. A SaaS for restaurant owners shouldn’t compete on small business software.

Write down the three or four sub-categories your business owns. Sanity-check each one against the competition in Google’s results. If the first page is dominated by Wikipedia, government sites and major publications, narrow further. Niche before keywords. Always.

Take 30 minutes and write down every phrase your customers actually use to describe their problem, in their own words. Look at your inbound emails, sales call transcripts and product reviews. The vocabulary your customers use rarely matches the vocabulary you use internally — and the customer vocabulary is what ranks.

Once you have a list of 30 to 50 seed terms, open Ahrefs or Google’s Keyword Planner. Tools are for expanding what you already know; they’re terrible at telling you what to know in the first place.

3. Layer in the specialty keyword types your competitors miss

There are at least nine specialty keyword formats most agencies ignore: geographic, seasonal, event-based, question-format, service-based, commercial, comparison, best-of and alternative-to. Each one maps to a different stage of the buying journey, and each one is usually less competitive than the obvious head terms.

In a recent niche project, layering comparison and alternative-to keywords on top of a head-keyword strategy roughly tripled the addressable search volume — without touching a single competitive primary term. The same pattern shows up in nearly every site I audit.

4. Tag every keyword by search intent before writing a word

Every keyword falls into one of four intent buckets: informational, navigational, transactional or commercial investigation. The same phrase can mean different things to different searchers, and the only way to know is to look at what’s currently ranking on page one. Google’s own guidance on understanding user intent comes down to the same principle: match your page to what the searcher actually wants.

If page one is full of blog posts, the intent is informational. If it’s full of product pages, the intent is transactional. Match your page type to the intent before you decide what to write. Mismatched intent is the single most common reason good content fails to rank.

5. Fix your technical foundation before publishing anything new

Before adding new pages, run your site through a free Screaming Frog crawl and Google’s PageSpeed Insights. Look for four things: crawl errors, broken internal links, slow Largest Contentful Paint on mobile and any redirect chains longer than one hop. Each one is silently capping the ceiling on every page you publish.

This is unglamorous work. It’s also the work that determines whether the next six months of effort compound or evaporate.

6. Standardize your on-page template across every new piece

Decide once, then never re-decide: how your title tags are written, how your H1 relates to your title tag, where your primary keyword appears, how internal links are formatted and what your URL structure looks like.

I keep a one-page template that goes on every content brief we send writers. It saves hours of editing per article and produces consistent results across writers who have never spoken to each other. Standardization is what lets you scale; ad-hoc decisions are what burn content teams out.

7. Build content in clusters, not in isolation

For every commercial keyword you target, plan a cluster: one pillar piece and three to five supporting pieces that link inward to it. Search engines reward sites that demonstrate topical depth, and clusters are the cleanest way to demonstrate it.

A single well-built cluster of six pages around one commercial topic will outperform 30 disconnected blog posts every time. Test that against your own analytics if you doubt it. The math is one-sided.

Cold outreach link building has been the lowest-yield activity in SEO for at least three years. The replacement is original research: publish one piece per quarter that contains data nobody else has — even if your sample size is small. Journalists and bloggers cite primary sources because primary sources make their work easier.

Last year, one of our small-sample data pieces earned more high-authority backlinks in two months than a previous client’s six-month outreach campaign. The ratio wasn’t close.

9. Track three metrics monthly — and ignore the rest

The SEO industry has trained founders to obsess over dashboards. The truth is that three numbers tell you almost everything: how many of your targeted commercial keywords are ranking in positions 1 to 10, how much qualified organic traffic those rankings produce and how many of those visits assist a conversion.

Ranked positions tell you if your work is paying off. Traffic tells you if the rankings are valuable. Assisted conversions tell you if the traffic is worth the next month of investment. Everything else is noise until you’re operating at meaningful scale.

10. Audit, dedupe and prune every quarter

Most sites lose more SEO performance to keyword cannibalization, duplicate intent and stale content than they gain from new publishing. Every 90 days, audit your existing content: which pages are competing against each other for the same query, which are pulling impressions but no clicks and which are pulling neither?

Merge the cannibalizing pages. Refresh the impression-rich but click-poor pages with better titles and meta descriptions. Redirect the truly dead ones to their nearest healthy cousin. Pruning is unglamorous work that often produces the single biggest one-quarter SEO lift any site will ever see.

The system above isn’t proprietary. Every step is something a careful agency would do, in roughly the same order. What separates the founders who win at SEO from the ones who plateau isn’t access to a secret framework. It’s the discipline to do all 10 steps in sequence, on a quarterly cadence, for two to three years before judging the results.

By the time you do hire an agency, you’ll know exactly what to ask. The ones that can’t answer those questions will filter themselves out before they bill you.

Key Takeaways

  • SEO success depends less on the tools you use than on following the right sequence of research, optimization, content creation and measurement.
  • This article outlines a 10-step framework founders can use to build sustainable organic growth before hiring an SEO agency.

When founders ask me how to start with SEO, they usually expect a tool recommendation. The honest answer is that the tool isn’t the problem. The sequence is.

For the past few years, my agency has been refining the same end-to-end SEO process — the one I now use with every new client and break down across an eight-module curriculum we run for our team. The steps work because they’re ordered. Most founders fail at SEO not because they skip steps but because they do them in the wrong order: writing content before researching keywords, building links before fixing crawl errors and chasing traffic before defining what kind of traffic moves their business.

Here’s the 10-step sequence I follow, in the order I follow it. You can run all of it yourself for the cost of two free tools and a few weekends.



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People Who Don’t Know How to Code Make 6 Figures By Cashing In On the .7 Billion ‘Vibe Coding’ Boom

People Who Don’t Know How to Code Make 6 Figures By Cashing In On the $4.7 Billion ‘Vibe Coding’ Boom


Opinions expressed by Entrepreneur contributors are their own.

The four moves any non-coder can use to launch a one-person business this week.

Key Takeaways:

  • Discover what “vibe coding” really means — and why 63% of the people using it to build real businesses have never written a line of code.
  • Watch how one solo founder built a $401 million business in year one with $20K and his brother as his only employee.
  • Screenshot the exact Perplexity Computer prompts that reverse-engineer what four solo founders did to build their businesses — without figuring it out from scratch.

You have the idea. You have the laptop. You have every AI tool on the market open in a tab. And you are still not launching anything.

That is the quiet frustration behind the biggest shift in one-person business formation of the last decade. The tools are here. Most solopreneurs are still waiting to feel technical enough to start. The founders in the video above stopped waiting — and the moves they made are not what most solopreneurs expect.

The four moves I break down in the video above are designed to fix that — starting with the one most non-coders skip.

“Vibe coding” is the term Andrej Karpathy, one of the co-founders of OpenAI, coined in early 2025 to describe a new way of building software. You describe what you want in plain English, an AI writes the code, and you refine it by conversation instead of syntax. It sounded like a joke a year ago. According to Startup Fortune, it is now a $4.7 billion market growing at 38% a year, with 63% of active users identifying as non-developers.

This is not a fringe movement. Axios reported in June that Americans are starting one-person businesses 20% faster than they were a year ago, while startups planning to hire employees have stayed flat — a shift Nasdaq’s economists tie to autonomous coding tools. Intuit’s 2026 AI Impact Report, built on more than 34,000 SMB owners, found that 43% of AI-using businesses say AI has increased their revenue, versus just 2% who say it has gone the other way.

That compression is what Rule 5 of my book, The Wolf Is at the Door, is really about. In a world where the software builds itself, adaptability is no longer about learning faster than the market — it is about shortening the loop between what you see and what you launch. The reason a solo founder can now sell a company for $401 million with almost no employees is not that AI made him smart. It is that AI has collapsed the reaction time that used to give bigger competitors the advantage. That opportunity is now in your hands, no seven-figure marketing budget required.

This weeks video breaks down how Matthew Gallagher launched Medvi in two months with $20K and his brother as his only employee, how Billy Howell charges $750 to $2,500 per app with no coding background, how the creator behind BridgeMind made $42,630 in 142 days building live on YouTube, and how KEV hit $100,000+ in revenue and 67,000 users across four apps — plus the four Perplexity Computer prompts to reverse-engineer their moves in your own business this week.

Every founder, every move and every prompt is walked through in the video above — including the four Perplexity Computer prompts that turn what took these founders months of trial and error into a single afternoon of work.

The free AI Success Kit, available to download for a limited time, comes with a free chapter from my new book, The Wolf is at The Door – How to Survive and Thrive in an AI-Driven World.

The four moves any non-coder can use to launch a one-person business this week.

Key Takeaways:

  • Discover what “vibe coding” really means — and why 63% of the people using it to build real businesses have never written a line of code.
  • Watch how one solo founder built a $401 million business in year one with $20K and his brother as his only employee.
  • Screenshot the exact Perplexity Computer prompts that reverse-engineer what four solo founders did to build their businesses — without figuring it out from scratch.

You have the idea. You have the laptop. You have every AI tool on the market open in a tab. And you are still not launching anything.



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AI Is Taking Over This Crucial Part of the Recruiting Process

AI Is Taking Over This Crucial Part of the Recruiting Process


Key Takeaways

  • AI is moving beyond sorting through resumes and extending its reach to early-stage job interviews.
  • Employers aren’t touting the use of AI systems in hiring, partly because of debate around AI.
  • Some companies are turning to AI to help handle a flood of applications; crypto platform Coinbase, for example, receives 1.5 million job applications per year.

Bijo Thomas was expecting a human being to interview him for a job as a senior AI solutions architect role at talent acquisition brand Experis. When he opened up his laptop for an interview, he instead came face-to-face with an AI avatar named Sophie

Thomas recently told Business Insider about the experience. He said that Sophie looked like a human being from the neck up, and she smiled and asked follow-up questions throughout the interview. 

“It was very realistic,” Thomas told BI. He passed the interview and went through two more rounds, each time with human interviewers. He got the job and joined in May.  

Thomas’s experience reflects a growing trend. AI is moving beyond sorting through large piles of resumes and extending its reach to early-stage job interviews. Companies like cryptocurrency platform Coinbase and automation software company Zapier have quietly begun using AI to screen candidates in interviews, BI reported. 

Industries like retail and manufacturing first used AI in job interviews to meet high-volume hiring targets. Now the practice is gaining steam for weeding out candidates seeking full-time, white-collar positions. 

Employers are reluctant to publicize their dependence on AI 

Employers aren’t touting the use of AI systems in hiring, partly because of debate around AI. According to BI, it remains to be seen whether AI chatbots have a positive impact by reducing human bias in hiring or a negative effect by alienating candidates. 

“The interview process is arguably the most human part of recruiting,” Kyle Lagunas, an HR tech industry analyst, told BI. He added that employers could be concerned about how it would look to candidates to outsource this human element of recruiting to AI. 

At some companies, however, applicants must pass through AI interviews before they can make an impression on human interviewers — and at times, the AI gatekeepers are necessary due to the sheer volume of job applicants. For example, Coinbase faces a flood of applications, about 1.5 million per year, L.J. Brock, the platform’s chief people officer, told BI. 

“No matter how big my recruiting team is, no matter how hard we try, we can’t get to 1.5 million people,” he told the outlet. 

Coinbase turned to AI to manage interviews starting in August. The company introduced an AI interviewer named Milo to handle interviews for roles below the director level. Since Milo’s release, Coinbase has brought on more than 240 new hires initially filtered by the AI. 

Another company finds ‘hidden gems’ with AI interviews

Coinbase isn’t the only company to experiment with AI interviews. Zapier also rolled out AI interviews last year after realizing that its job postings immediately drew thousands of applicants — far more than it was possible for humans to screen on their own.

Tracy St.Dic, Zapier’s global head of talent, told BI that AI interviews have allowed the company to screen up to five times more applicants than normal and allowed candidates to advance through the hiring process on the basis of more than just their application and resume. St.Dic called these applicants “hidden gems.”

Key Takeaways

  • AI is moving beyond sorting through resumes and extending its reach to early-stage job interviews.
  • Employers aren’t touting the use of AI systems in hiring, partly because of debate around AI.
  • Some companies are turning to AI to help handle a flood of applications; crypto platform Coinbase, for example, receives 1.5 million job applications per year.

Bijo Thomas was expecting a human being to interview him for a job as a senior AI solutions architect role at talent acquisition brand Experis. When he opened up his laptop for an interview, he instead came face-to-face with an AI avatar named Sophie

Thomas recently told Business Insider about the experience. He said that Sophie looked like a human being from the neck up, and she smiled and asked follow-up questions throughout the interview. 

“It was very realistic,” Thomas told BI. He passed the interview and went through two more rounds, each time with human interviewers. He got the job and joined in May.  



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Young Americans Skip College for No-Degree Jobs Paying 0K+

Young Americans Skip College for No-Degree Jobs Paying $100K+


Key Takeaways

  • New college graduates are struggling in the worst entry-level job market in years.
  • Here are the no-degree-required roles that pay the most, per a new study from NetCredit.

For some young people in the U.S., higher education is losing its luster.

New college graduates are currently facing the worst entry-level job market since the pandemic, per The Guardian

What’s more, the average tuition for both public and private four-year colleges has essentially doubled over the past 30 years when adjusted for inflation, NPR reported last year

Undergraduate enrollment was 15% lower in fall 2021 than in fall 2010, with 42% of the dropoff taking place amid the pandemic, according to the National Center for Education Statistics.

High school graduates who plan to join the workforce right away might wonder which no-degree-required roles pay the most.

Online lender NetCredit’s new study, which examined occupations that don’t require a degree (per the BLS Occupational Handbook) and the average yearly salary for each role, reveals the highest-paying job options in the U.S. 

The top seven no-degree roles boast national average salaries ranging from $102,482 (gambling managers) to $122,824 (nuclear power reactor operators). 

Transportation, storage and distribution managers, with an average wage of $116,022, and police sergeants and captains, with an average wage of $110,989, rounded out the top three best-paying occupations that don’t require a college degree. 

Read on to see all of NetCredit’s no-degree, six-figure jobs, along with 18 others that offer national average wages starting at about $85,000:

Image Credit: NetCredit

Key Takeaways

  • New college graduates are struggling in the worst entry-level job market in years.
  • Here are the no-degree-required roles that pay the most, per a new study from NetCredit.

For some young people in the U.S., higher education is losing its luster.

New college graduates are currently facing the worst entry-level job market since the pandemic, per The Guardian

What’s more, the average tuition for both public and private four-year colleges has essentially doubled over the past 30 years when adjusted for inflation, NPR reported last year

Undergraduate enrollment was 15% lower in fall 2021 than in fall 2010, with 42% of the dropoff taking place amid the pandemic, according to the National Center for Education Statistics.

High school graduates who plan to join the workforce right away might wonder which no-degree-required roles pay the most.

Online lender NetCredit’s new study, which examined occupations that don’t require a degree (per the BLS Occupational Handbook) and the average yearly salary for each role, reveals the highest-paying job options in the U.S. 

The top seven no-degree roles boast national average salaries ranging from $102,482 (gambling managers) to $122,824 (nuclear power reactor operators). 

Transportation, storage and distribution managers, with an average wage of $116,022, and police sergeants and captains, with an average wage of $110,989, rounded out the top three best-paying occupations that don’t require a college degree. 

Read on to see all of NetCredit’s no-degree, six-figure jobs, along with 18 others that offer national average wages starting at about $85,000:

Image Credit: NetCredit



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They Built a 3 Million Franchise From a Single Location

They Built a $103 Million Franchise From a Single Location


Key Takeaways

  • Weed Man is a lawn care franchise that generates around $450 million in total annual revenue.
  • Terry and Andy Kurth, a father-son team, play a significant role in generating revenue for the franchise.
  • Terry is the founder of Epic3, Weed Man’s largest multi-unit ownership group, which generated $103 million in sales last year.

Terry Kurth, 77, says that choosing the right life partner is the most important decision an individual can make — and he knows the truth of this statement firsthand. Nearly 50 years ago, his wife was in labor. She was in the hospital lying on her side with severe back pain because their daughter, Amanda, was turned 180 degrees in the womb.

Terry was there for his wife — but he also didn’t stop working. 

“I had one hand on the small of her back to relieve pain and the other on the phone calling prospects to sell lawn care,” Terry tells Entrepreneur in a new interview. “She didn’t complain because she knew we were about to have another mouth to feed, and failure wasn’t an option.”

Terry entered the Weed Man system in 2000 after exiting his own lawn care ventures and searching for his next chapter. He quickly saw an opportunity to expand the Canadian brand in the U.S. and founded Epic3, which would become Weed Man’s largest multi-unit ownership group. Starting with a single territory in Madison, Wisconsin, Terry steadily scaled the operation into a nationwide footprint.

Andy Kurth’s entry into the business was far less strategic. As Terry’s son, he joined while in college simply to earn extra cash, working in sales and as a lawn care technician. But what began as a temporary gig evolved into a long-term career. Over time, Andy took on increasing responsibility, eventually rising to become president and CEO of Epic3 and leading the continued expansion of the business his father helped build.

The following interview with Terry and Andy has been lightly edited for clarity and concision.

Terry (left) and Andy Kurth. Credit: Weed Man
Terry (left) and Andy Kurth. Credit: Weed Man

Early days

How did you end up in lawn care and franchising?
Terry: I was going to be an engineer and went to the University of Wisconsin, graduating in 1975. While I was there, I started working at a golf course and fell in love with being outside and working with turf.

I ended up getting a degree in agronomy, which is essentially plant science, and became a golf course superintendent right out of college. Later, I went to work for the Scotts Company in its professional turf division and traveled around the country giving educational seminars to golf course superintendents, landscape contractors and early lawn care operators.

Eventually, I came into contact with a company called Barefoot Grass, became one of its first franchisees in 1978, built that up and ultimately sold when Barefoot Grass was acquired by TruGreen. It ended well, and I found myself gainfully unemployed in my mid‑40s with the proceeds from that sale.

What did you do after exiting Barefoot Grass?
Terry: After Barefoot Grass was sold and I completed that chapter, I became past president of what was then the Professional Lawn Care Association of America (PLCAA), which gave me a strong network of operators across the country. Weed Man is headquartered in Toronto, and through that network, I got to know their leadership. They flew me up; I met the franchisor and a Canadian franchisee who had acquired the master rights to the United States, and together we came up with the idea of creating regional sub‑franchisors. My region included Minnesota, Wisconsin, Illinois, North Dakota and South Dakota. I sold franchises there, kept the largest share of the royalties, and passed the remainder up to the master group in Toronto.

How did you transition back into operating a lawn care franchise yourself?
Terry: When I sold to TruGreen, I had a three‑year non‑compete that restricted me from operating in the cities where I had locations — places like Madison, Appleton, Green Bay, Lexington and Peoria. Once that non‑compete expired in January 2001, I re‑entered the business as a Weed Man franchisee. I started the Madison operation with one of my wife’s nephews, and when he chose to pursue something else, we hired a manager.

That’s around the time Andy, who had been helping me sell during college, stepped in and ultimately became the manager in Madison. From there, Andy and I began working closely together, growing the business organically into new markets and then merging additional markets into our holding company over time. Our first billing year in Madison in 2001 was about $110,000 in revenue; today, we’re around $103 million, so it’s been quite a run over roughly twenty‑five years.

Terry and Andy Kurth, Credit: Weed Man
Terry and Andy Kurth, Credit: Weed Man

Secrets to scaling Weed Man

What are your secrets to growth? How do you scale from $110,000 to $103 million?
Terry: A big inflection point was when I met Roger Mongeon, who held the U.S. rights to Weed Man and is one of the smartest people I’ve ever met, both in business and in general. He’s a former chemical engineer, and we developed a deep mutual trust and respect. He showed me the systems Weed Man had built, and I quickly realized that to handle significant growth, you must have robust systems. People talk about breaking through glass ceilings in their careers; growth in a business is similar — you can’t get to the next level without systems that ensure nothing falls through the cracks as you add people and locations. You also need a relentless attitude — failure can’t be an option.

Take me back 26 years. What did that very first Weed Man location look like day to day, and what convinced you both that it was worth betting your careers on?
Andy: From my perspective as a college kid at the time, I wasn’t initially thinking of a long‑term career. I’d show up on Saturdays to an almost vacant shell of an office and be the only person there selling lawn care. We used old‑school telemarketing to generate leads, and my cousin, who had started the business with my dad, was out treating lawns nearly by himself.

That first year, revenue was around $100,000, so there simply weren’t many people involved. Each year, as we added revenue, we’d bring in another technician, then another and eventually a senior technician, gradually building out the team.

Solving mistakes

Andy, can you share an instance when you made a mistake running the company and how you fixed it?
Andy: Early in my leadership career, I was wearing 10 hats and constantly chasing people around. When we first introduced door‑knocking for lead generation, I found myself running after supervisors every morning because they kept forgetting door hangers. One day, I realized how unsustainable that was. Instead of continuing to chase people, I focused on developing better systems — start‑of‑day procedures, checklists and clearer role ownership — so that team members owned their responsibilities. That experience was a catalyst for me to shift from being a task‑oriented manager to a leader focused on developing other leaders.

Hand-raising culture

Andy, you have described the organization as having a hand-raising culture. What does that mean?
Andy: Hand‑raising culture describes leaders inside our organization who literally raise their hands to take on new challenges and uproot their lives. For example, a gentleman from Green Bay volunteered to move to Austin to start that branch, and another teammate from Madison, who had also worked in Milwaukee, raised his hand to move to Denver.

Those markets are now among our top performers — Denver, for example, grew from around $250,000 in first‑year revenue to over $8 million. We keep building stables of leaders who breathe our mission — people, opportunity, community — in that order. They buy into that mission and carry it into their branches and departments, which creates new opportunities in new areas and truly changes lives. Many people in our company have careers they never imagined, and they, in turn, pass that mindset to the people they lead.

Long-term vision

What are your plans for growth and succession?
Andy: We plan to keep doing what we do best: changing people’s lives for the better and building a culture where people want to advance that mission of people, opportunity, community. If our people are taking care of each other and building something they can call their own, we’ll be fine.

Terry: At the system level, Weed Man as a whole generates around $435 million to $450 million in annual revenue, and with Epic3 at around $103 million, we’re a significant contributor. The broader goal is to become a billion‑dollar company, and we want to help drive that by innovating and supporting other franchisees within the Weed Man family. Together, we intend to reach that billion‑dollar milestone while maintaining the culture and systems that got us here.

Key Takeaways

  • Weed Man is a lawn care franchise that generates around $450 million in total annual revenue.
  • Terry and Andy Kurth, a father-son team, play a significant role in generating revenue for the franchise.
  • Terry is the founder of Epic3, Weed Man’s largest multi-unit ownership group, which generated $103 million in sales last year.

Terry Kurth, 77, says that choosing the right life partner is the most important decision an individual can make — and he knows the truth of this statement firsthand. Nearly 50 years ago, his wife was in labor. She was in the hospital lying on her side with severe back pain because their daughter, Amanda, was turned 180 degrees in the womb.

Terry was there for his wife — but he also didn’t stop working. 

“I had one hand on the small of her back to relieve pain and the other on the phone calling prospects to sell lawn care,” Terry tells Entrepreneur in a new interview. “She didn’t complain because she knew we were about to have another mouth to feed, and failure wasn’t an option.”



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The Pace of Work Has Outrun Your Capacity. Here’s What to Do.

The Pace of Work Has Outrun Your Capacity. Here’s What to Do.


Opinions expressed by Entrepreneur contributors are their own.

Key Takeaways

  • Overwhelm is a leadership challenge, not a personal weakness.u003cbru003e
  • You can’t control the pace of change, but you can control how you respond to it.u003cbru003e
  • Reduce mental load instead of just trying to work harder.

Talk to any founder, manager or entrepreneur right now, and you will hear the same word. Overwhelm. People are trying to keep up with a pace that never slows.

AI is reshaping industries before leaders can absorb the last change. Even the high performers who usually stay calm under pressure say they feel stretched thin. Leadership capacity is dropping at the exact moment when demands are rising. Many workplaces feel like they are running out of room to breathe.

Overwhelm is not a personal failure. It is a structural reality. Leaders are trying to make good decisions while the ground keeps shifting under them. Economic conditions change without warning. New tools appear faster than people can learn them. Policies and regulations move in ways that force teams to rethink plans they made only days earlier. Supply chains wobble and require constant recalibration. The volume of change is so high that even experienced leaders feel like they are running a race where the course keeps moving.

I kept thinking about this during marathon training. The breakthrough didn’t happen during a long run. It happened on a rest day. Training had a rhythm. Some days focused on endurance. Some days focused on speed. Some days focused on strength. And then there were planned days off, which were just as important as the work. That recovery is the missing piece in today’s workplace. Most leaders operate in environments that never pause and never reset. Overwhelm keeps building because there is no chance to regain capacity. We cannot slow the world down, but we can learn to move through it with steadiness. That is the work of endurance.

Why this matters now

Overwhelm is becoming the defining condition of modern work. The pace of change is now faster than the pace of human adaptation, and that gap is widening. AI is accelerating decisions, expectations and competitive pressure. Markets are shifting in weeks instead of quarters. Teams are being asked to absorb more information than their cognitive systems were designed to handle.

Leaders who do not adjust will see slower decision cycles, rising conflict and declining performance. The organizations that thrive will be the ones whose leaders build endurance skills that match the speed of the environment. This is not about surviving chaos. It is about learning to operate confidently inside it.

What overwhelm looks like for leaders today

The familiar challenges are still here. Work-life balance. Office politics. Managing personalities. Endless decisions. Constant context switching.

What is new is the speed and instability surrounding them. One colleague told me, “The strategy we launched on Monday doesn’t work by Wednesday.” Another said, “I’m not between a rock and a hard place. I’m in a rock tumbler.” These comments are not exaggerations. They are honest descriptions of what overwhelm feels like in real time.

Leaders need a training plan for a world that does not include rest days. Endurance comes from small, repeatable practices that help you stay steady under prolonged strain.

Below are five endurance skills that reduce overwhelm at the source.

1. Reduce cognitive load at the source

Most leaders try to manage overwhelm by working harder. Endurance leaders reduce the inputs that create overwhelm in the first place.

Practical moves:

  • Shrink the number of priorities in play at any moment.
  • Collapse decision pathways so teams know exactly how choices get made.
  • Remove optional meetings and optional reporting.
  • Standardize anything that repeats.

This is not time management. It is load management, which is the real antidote to overwhelm.

2. Shorten the distance between signal and action

Overwhelm grows when leaders sit in ambiguity. Endurance leaders shorten the time between noticing a problem and addressing it.

Practical moves:

  • When something feels off, act within twenty-four hours.
  • When a project drifts, reset expectations immediately.
  • When a team is confused, clarify the path the same day.

This prevents small issues from becoming system-wide strain.

3. Build a recovery rhythm into the workweek

Most leaders think recovery is a luxury. Endurance leaders treat it as infrastructure.

Practical moves:

  • Protect one meeting-free block every day.
  • Add a weekly capacity check with your team.
  • Use microbreaks to reset your cognitive system before it hits overload.

Recovery is capacity maintenance, not rest. It keeps overwhelm from compounding.

4. Practice emotional neutrality under pressure

Overwhelm spikes when leaders absorb the emotional intensity of the moment. Endurance leaders stay neutral long enough to choose a response.

Practical moves:

  • Notice your first reaction and delay it by sixty seconds.
  • Label the emotion without acting on it.
  • Respond only when your heart rate drops.

This is emotional regulation, which is the foundation of endurance.

5. Anchor every decision to purpose

Overwhelm grows when leaders lose sight of the destination. Endurance leaders use purpose as a filter.

Practical moves:

  • Ask whether the work moves you toward the mission before saying yes.
  • Remove tasks that do not serve the purpose.
  • Reconnect your team to the mission weekly.

Purpose is directional clarity. It cuts overwhelm in half.

The world is moving fast. You can still finish strong.

A world without enough rest breaks is not ideal. But it is the world we have. Leaders need endurance. Not the heroic kind. The practical kind. The kind built through small habits that help you stay steady in a world that keeps accelerating.

These practices will not slow the world down. They will help you move through it without losing yourself. And they will help you lead others who are feeling the same overwhelm you are.

Key Takeaways

  • Overwhelm is a leadership challenge, not a personal weakness.u003cbru003e
  • You can’t control the pace of change, but you can control how you respond to it.u003cbru003e
  • Reduce mental load instead of just trying to work harder.

Talk to any founder, manager or entrepreneur right now, and you will hear the same word. Overwhelm. People are trying to keep up with a pace that never slows.

AI is reshaping industries before leaders can absorb the last change. Even the high performers who usually stay calm under pressure say they feel stretched thin. Leadership capacity is dropping at the exact moment when demands are rising. Many workplaces feel like they are running out of room to breathe.

Overwhelm is not a personal failure. It is a structural reality. Leaders are trying to make good decisions while the ground keeps shifting under them. Economic conditions change without warning. New tools appear faster than people can learn them. Policies and regulations move in ways that force teams to rethink plans they made only days earlier. Supply chains wobble and require constant recalibration. The volume of change is so high that even experienced leaders feel like they are running a race where the course keeps moving.



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Here’s What It Really Takes to Support Other Entrepreneurs

Here’s What It Really Takes to Support Other Entrepreneurs


Opinions expressed by Entrepreneur contributors are their own.

Key Takeaways

  • When my brother and I created our roofing business, we discovered an opportunity to educate other members of the industry and provide resources to help them improve their services — a dealer network.
  • Establishing this dealer network helped us give back to our community and taught us valuable lessons about empowerment.
  • It taught us that setting people up for success means providing resources (like training), that valuable partnerships depend on mutual benefit and that oversight isn’t the same as surveillance.

Most founders who eventually find success remember their major accomplishments. But they also remember their close calls: the times when things almost fell apart because of knowledge gaps, missing resources, a lack of support or simple bad luck.

Most of us tell ourselves that if we’re ever in a position to set other entrepreneurs up for success, we’ll make sure they have the training, education and networking opportunities we didn’t have. But not every well-intentioned entrepreneur ends up with that chance.

When I set out to create Roof Maxx with my brother Todd, our main goal was to provide an alternative to roof replacement for homes with aging asphalt shingles. But along the way, we discovered a golden opportunity to educate members of the roofing industry and provide resources to help contractors across the country improve their services.

As former roofers who spent 15 years struggling to survive in the industry ourselves, that had personal value to us beyond what it achieved for the business. Here’s how the dealer network we established to scale our company also helped us give back to our community, and what it taught me about empowerment.

Setting people up for success is usually a resourcing issue

I will be the first person to tell you that culture and core values play an important role in mentorship. You want to create a supportive and productive environment that facilitates healthy growth. But all of that is just wishful thinking if you aren’t willing to put your money where your mouth is.

This can look different depending on how your company is structured. In a company where most of your employees are on salary, that might look like investing in paid training and upskilling opportunities or ensuring that department heads have the budget they need to comfortably and consistently hit KPIs so that they don’t experience widespread burnout and unsustainable turnover.

Roof Maxx isn’t built that way. Our dealership model means the roofers who carry our product are independent contractors who purchase it from us so they can sell restoration services to their customers. They’re not on our payroll, but we still have a responsibility to help them succeed because they’re our most effective brand ambassadors.

So for us, resourcing looks like investing in training and support. Roof Maxx Connect, our proprietary dealer management software, was expensive to develop and doesn’t generate a dollar of direct revenue. What it does do, however, is streamline the same tasks for our dealers that Todd and I found most grueling when we were roofers: handling leads, managing warranties, training with Roof Maxx University and more.

Dealers who have that kind of support are more efficient and provide more consistent service, which helps them sell our product and makes them more likely to keep purchasing it from us. As a former roofer who was once responsible for handling all those tasks independently and who almost went out of business, I see the impact every day.

Valuable partnerships depend on mutual benefit

Over the course of your career, you’ll probably meet at least a few businesspeople who think every deal needs to have a winner and a loser. I don’t just think this attitude is simplistic; I think it’s self-defeating.

This kind of win-lose bargaining strategy depends on securing concessions from others, which in practice means forcing them to settle for less. That may help you acquire short-term gains, but it is not a recipe for respectful and lasting partnerships. In my experience, people who think you’ve given them a raw deal tend to remember it, and they are rarely inclined to go the extra mile on your behalf.

Our dealers carry the Roof Maxx product, but they’re partners rather than subordinates. They don’t carry it because they have to; they choose to carry it because it allows them to offer genuine value to the homeowners they serve. In turn, we make a commitment to keep earning their business by working to ensure that our product remains competitive and effective. This is one of the primary differences between the kind of dealer model we rely on and a franchise.

Oversight is not the same as surveillance

As a roofer, Todd and I were personally involved at every level of our business. With Roof Maxx, we can’t afford to be.

Our dealership network currently extends across North America. Even with Roof Maxx Connect, it’s impossible to have total visibility into every single thing our dealers do — but more importantly, we don’t need to.

When you run a small business, handling everything yourself is a practical strategy for quality control. When you’re an eight-figure national brand, it’s a recipe for founder burnout. Moreover, forcing your dealers — or employees, if that’s how your company operates — to report their every move to you creates unnecessary operational obstacles for them and eventually causes friction in those relationships.

Thanks to our platform, we know how leads are being routed. We can see how invoices are fulfilled, check to see whether individual dealers have policies that comply with applicable laws and industry regulations, and view reports of completed jobs. We don’t need more than that, and to ask for it would put a stumbling block in the way of people we need as much as they need us.

At the end of the day, the best ways to empower an entrepreneur are by investing tangible resources in the tools they need, grounding your relationships on a foundation of mutual respect, and trusting their expertise. Every contractor I can give that to via Roof Maxx is someone I can trust to go out every day and improve the state of the industry for all of us.

Key Takeaways

  • When my brother and I created our roofing business, we discovered an opportunity to educate other members of the industry and provide resources to help them improve their services — a dealer network.
  • Establishing this dealer network helped us give back to our community and taught us valuable lessons about empowerment.
  • It taught us that setting people up for success means providing resources (like training), that valuable partnerships depend on mutual benefit and that oversight isn’t the same as surveillance.

Most founders who eventually find success remember their major accomplishments. But they also remember their close calls: the times when things almost fell apart because of knowledge gaps, missing resources, a lack of support or simple bad luck.

Most of us tell ourselves that if we’re ever in a position to set other entrepreneurs up for success, we’ll make sure they have the training, education and networking opportunities we didn’t have. But not every well-intentioned entrepreneur ends up with that chance.

When I set out to create Roof Maxx with my brother Todd, our main goal was to provide an alternative to roof replacement for homes with aging asphalt shingles. But along the way, we discovered a golden opportunity to educate members of the roofing industry and provide resources to help contractors across the country improve their services.



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Why the Silent Rules Nobody Made Are Killing Your Company

Why the Silent Rules Nobody Made Are Killing Your Company


Opinions expressed by Entrepreneur contributors are their own.

Key Takeaways

  • If no one can name who authorized a rule or why it exists, it’s probably not a real policy — it’s a habit wearing a costume. Kill it.
  • Each extra approval or check costs a minute. Multiply across every employee, every week, and you’re paying salaries to wait, not produce.
  • Removing friction is cheaper than buying growth. Cut the red tape you never approved before adding another headcount.

Every successful business relies on policies and procedures. Policies and procedures create consistency, improve quality and allow organizations to move in a unified direction.

For this reason, most successful companies have policies and procedures manuals and other written policies. Without them, companies become chaotic and inconsistent as they grow. But there is an important distinction between systems that are intentionally designed and those that simply evolve over time.

The most damaging policies in a business are often the ones that were never actually created.

These can be called made-up rules — unwritten practices that slowly become accepted as official policy, even when no owner, executive, or person with authority ever approved them. They emerge quietly and gradually. An employee assumes something is required in every circumstance. Another employee observes that behavior and repeats it. Before long, an entire department believes a process is a mandatory policy when, in reality, it is not at all.

As organizations grow, these unofficial rules have a way of growing. Each one may seem insignificant on its own, but together they create a layer of legalism that slows decision-making, frustrates employees, delays customer service and quietly limits growth. It can also upset employees by creating an abundance of rigid rules that make the employees feel restricted. Unlike obvious problems such as declining sales or rising expenses, these self-made policies and procedures are rarely visible on a financial statement. Yet, their impact can be enormous.

Good intentions can create bad processes

One of the biggest challenges is that these rules often originate from good intentions. An employee wants to avoid making a mistake, so an extra rigid rule is added to prevent a situation from repeating itself. In other instances, someone encounters an unusual circumstance and begins treating that exception as the standard procedure. Over time, isolated events become permanent rules that harm, not help the company.

The problem is that businesses rarely struggle because of one unique situation. Instead, hundreds of small, unnecessary rules accumulate over months and years. Each additional email, approval, signature, or verification adds only a minute or two. Standing alone, that seems inconsequential. Collectively, however, those minutes become hours, days and eventually weeks of lost productivity, revenue or efficiency across an organization.

Imagine an employee who must wait for an internal confirmation before beginning work, even though all of the information needed to proceed is already available. Perhaps no owner, CEO or senior leader required this waiting period. It simply became “the way we’ve always done it.” If that delay happens dozens of times each week across multiple employees, the organization begins paying people to wait rather than to produce. Customers experience slower service, revenue decreases and management wonders why the business feels less efficient despite hiring more people.

Growth often brings more red tape

This scenario becomes even more pronounced in growing companies. Startups often move quickly because communication is simple and decisions are made by a small group of people. As headcount increases, however, there is a natural temptation for mid or lower level employees to add more approvals, more meetings, more documentation and more checkpoints. While some of these additions are necessary, many are simply reactions to isolated situations rather than thoughtful improvements to the business as a whole.

Over time, employees begin confusing caution with excellence. Instead of asking, “What is the best way to accomplish this?” they begin asking, “What is the safest way to avoid criticism?” Those are fundamentally different questions. The first encourages innovation and efficiency. The second often produces bureaucracy and red tape out of a desire for self-protection.

Perhaps the most dangerous aspect of made-up rules is that no one takes responsibility for them. Ask employees why they follow a particular procedure, and familiar responses usually emerge: “That’s just what we’ve always done,” or “I thought that was company policy.” Continue asking questions, and it frequently becomes clear that no one can identify when the rule started or who authorized it. The process has simply taken on a life of its own.

Challenge every unwritten process

Business owners should periodically examine their organizations with fresh eyes. Rather than asking employees whether they are following procedures, leaders should ask why those procedures exist in the first place and who authorized them. Every recurring process should have a clear purpose. If no one can explain why a particular step is necessary, it deserves careful scrutiny. In many cases, the unwritten rule should be disavowed and eliminated.

One effective exercise is asking managers to identify the biggest obstacles that slow their teams each day. Their answers are often revealing. Employees are rarely frustrated by hard work. They are frustrated by preventable delays — waiting for approvals, tracking down information, duplicating work or complying with procedures that no longer serve a meaningful purpose. These bottlenecks consume time without creating additional value for customers or employees.

It is also important to recognize that removing unnecessary rules does not mean lowering standards. High-performing organizations absolutely need accountability, quality control and thoughtful procedures. The goal is not to eliminate structure. The goal is to eliminate red tape that adds complexity without improving outcomes. Every policy should either reduce risk, improve quality, enhance the customer experience or increase efficiency. If it accomplishes none of those objectives, or it creates more problems than it helps, it is reasonable to question whether it should continue to exist.

Speed is a competitive advantage

Business leaders often focus tremendous energy on generating more revenue. They invest in advertising, marketing, recruiting and technology to accelerate growth. Yet, they sometimes overlook the operational drag occurring inside their own organizations. A company can spend millions of dollars attracting new customers while simultaneously slowing those customers’ experience through unnecessary internal processes. Removing friction is often one of the least expensive — and most profitable — ways to improve performance.

In today’s competitive environment, speed has become a meaningful differentiator. Customers have more choices than ever before, and they increasingly expect prompt responses, efficient service and straightforward interactions. Organizations that eliminate unnecessary delays position themselves to deliver a better experience without spending additional money on customer acquisition.

The best leaders understand that their role is not simply to create new policies. It is also to challenge existing assumptions. They recognize that every process should earn the right to continue existing—and should not be professed as policy without the company specifically authorizing it. As businesses evolve, procedures that once made perfect sense may become outdated. Failing to revisit them allows yesterday’s solutions to become tomorrow’s obstacles.

Eliminate the unnecessary rules

Every organization accumulates unwritten rules over time. Meetings become longer, approvals become more numerous and workflows become increasingly complicated. Left unchecked, these changes gradually reduce the agility that once fueled growth. Successful companies recognize that maintaining operational excellence requires periodic auditing and removal of these unwritten rules. Just as businesses routinely evaluate expenses, marketing efforts and financial performance, they should also evaluate the rules employees create or follow every day.

Sustainable growth is not achieved simply by working harder or hiring more people. It is achieved by creating an organization where talented employees can perform meaningful work without being slowed by unnecessary red tape. The companies that consistently outperform their competitors are often not those with the most elaborate systems. They are the ones disciplined enough to remove the systems that no longer serve a purpose.

Sometimes the greatest improvement a leader can make is not introducing another policy. It is eliminating unwritten rules that were never approved in the first place.

Key Takeaways

  • If no one can name who authorized a rule or why it exists, it’s probably not a real policy — it’s a habit wearing a costume. Kill it.
  • Each extra approval or check costs a minute. Multiply across every employee, every week, and you’re paying salaries to wait, not produce.
  • Removing friction is cheaper than buying growth. Cut the red tape you never approved before adding another headcount.

Every successful business relies on policies and procedures. Policies and procedures create consistency, improve quality and allow organizations to move in a unified direction.

For this reason, most successful companies have policies and procedures manuals and other written policies. Without them, companies become chaotic and inconsistent as they grow. But there is an important distinction between systems that are intentionally designed and those that simply evolve over time.

The most damaging policies in a business are often the ones that were never actually created.



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“The Lifestyle Looper” – America’s Fastest Growing Financial Trap

“The Lifestyle Looper” – America’s Fastest Growing Financial Trap


A financial planner named Ted Jenkin coined a term recently that I haven’t been able to stop thinking about.

Lifestyle loopers.

He uses it to describe a rapidly growing population of Americans between 30 and 50 who earn six figures and are somehow still going nowhere financially. Every raise gets absorbed. Every bonus evaporates. The income climbs. The wealth doesn’t.

I’ve watched this pattern play out for years through SparkRental and the Co-Investing Club. Smart, capable people with impressive salaries who, when you look at their actual financial picture, have very little to show for it. Not because they’re reckless. Because they’re caught in a loop they can’t quite see from the inside.

Lifestyle creep is not a new concept. The idea that spending rises with income is well documented. But what doesn’t get talked about enough is how completely natural and justified each individual step feels.

You get a promotion. You move to a better apartment because you can now afford it, and the old one was genuinely a bit cramped. Reasonable.

You get another raise. You lease a better car because your commute is long and you spend a lot of time in it. Reasonable.

Your income climbs further. You start eating out more, traveling more, upgrading more. Each decision is defensible on its own. Together, they form a structure where your expenses perfectly track your income, and the gap between what you earn and what you accumulate stays exactly the same.

The Goldman Sachs finding that about 40% of people earning over $500,000 a year report living paycheck to paycheck isn’t about irresponsibility. It’s about structure. When spending is the default and saving is the afterthought, income alone doesn’t determine financial progress. Behavior does.

Most financial advice treats this as a discipline problem. Track your spending. Cut the subscriptions. Stop eating out so much. Set a budget and stick to it.

The problem is that this advice fails consistently for high earners. Not because they lack discipline in other areas. Because budgeting and willpower are reactive systems. You’re fighting against the current every month, deciding in the moment whether to spend or save.

And in any given moment, spending usually wins. It’s immediate. It’s concrete. The benefit is right there. The cost of not saving is abstract and distant. Even people who know exactly what compound interest looks like in 20 years still spend the money today.

This is not a character flaw. It’s how human psychology works. We’re wired to prioritize the present. Every financial decision is a battle between the person you are now and the person you’ll be in 20 years, and the person you are now has a significant home-field advantage.

The only reliable solution to a behavioral problem is to remove the behavior from the equation entirely.

Pay yourself first is the phrase. Automate the savings. Move the money before you feel it. The version of this that actually works for high earners isn’t a monthly transfer to a savings account you can see and access. It’s routing capital into something that genuinely locks it away.

This is one of the reasons illiquid investments have a real advantage over liquid ones for people with good incomes and lifestyle-creep tendencies. When the money is in an index fund you can sell in two clicks, the temptation to deploy it for something else exists constantly. When it’s committed to a three-to-five year real estate investment, that temptation is gone. The decision was made once, up front, and the money is doing its job in the background while you get on with your life.

I’ve seen this dynamic firsthand through the club. Members who describe themselves as poor savers but have done remarkably well as passive investors, because the investment commitment removes the daily friction. The money leaves. It works. Distributions arrive. The loop breaks.





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