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Megan Collier's first appearance is still one of my most downloaded episodes, so she's back.
Quick version if you missed it. UGC is user generated content. Brands pay you to make short videos, and instead of posting them yourself, they use the footage in their own ads. No followers required. No production setup. Megan's been doing it four years and has taught more than 16,000 Gen X and Boomers how to do it, including her mom.
Her origin story is the part I keep thinking about. She was on a call trying to sell a footwear brand on hiring her, mentioned her mom in passing, and the brand got noticeably more excited about her mom than about her. Nobody that age was doing this. So she went and built the thing that didn't exist.
I keep coming back to UGC because I've been hunting low friction, high value income, and this one lands at the top of the list every single time. You're not applying for a job. You're not competing against five hundred other applicants. You already own the equipment.
We got into the money, and Megan gives real numbers instead of vague ones. What a beginner should charge. What the performance-based deals actually pay and why she turns them down. What her students are making, from a few hundred a month up to one who cleared twenty-two thousand last month.
Also worth your time: brands are now writing "no AI content" directly into their creative briefs. Megan's read is that the flood of AI has made real human video more valuable, not less. Her phrase for the moment is a trust recession, and it's the most useful thing said in the whole episode.
In this episode:
HOW TO ACTUALLY START, ASSEMBLED
Megan walked through this across the conversation. Here it is in order.
TIMESTAMPS
Estimated from the transcript. Spot-check and shift for cold open and sting.
QUOTES
"I happened to mention my mom, and they got way more excited about my mom than me." — Megan
"We're all in a trust recession. We don't know what's real and we don't know what's fake. So the more real and raw, the better." — Megan
"Brands are literally writing no AI content into the brief. I've seen it several times just in the past couple of weeks." — Megan
"She's in her fifties, functional medicine, lab coat. She made twenty-two thousand dollars last month." — Megan
"A brand paid me fifty bucks. I'm now a content creator. That carries through everything else." — Megan
"It's a volume game. For every fifty that say no, one's probably going to say yes." — Megan
"We're not saving lives here. This is not brain surgery. Don't take it so seriously." — Megan
"You probably spend a lot of time on social media consuming content, when you could be creating it and getting paid." — Megan
"You're not applying for a job. You're not competing against five hundred other people." — Brett
LINKS
Megan Collier TikTok, Instagram, and YouTube: @megan_ugc Instagram DM is the best place for a specific question.
Megan's UGC course — https://stan.store/affiliates/bd030aba-a9a1-4f50-9073-45cc67b073f1
Mentioned in the episode Creator platforms Megan named: Insense, Billo, Cohley, and others. Confirm exact spellings with Megan before publishing, the audio is unclear on a couple. Email lookup: hunter.io AI pitching service she mentioned: confirm the name with Megan.
Questions or episode ideas? [email protected]
UGC, user generated content, side income, GenX side hustle, content creation, brand deals, making money outside corporate, no followers needed, creator economy, low friction income
Shelley McIntyre is back on the show, and her first appearance is still one of the most downloaded episodes I've done.
She was a grief counselor before she was a coach, which is why she talks about layoffs differently than anyone else I know. We opened on the Oracle news, because the math on it is ugly. Twenty years in, fifty or sixty hour weeks, and what shows up is an automated email at 6 a.m. that doesn't say thank you.
Her point stuck with me: you spend a career radiating loyalty outward, and at the very end, when it matters most, you don't get any of it back.
Then we get into the trap almost nobody sees coming. You leave, you go independent, and because you're wired for comfort and you just absorbed six losses at once, you rebuild the exact role you escaped. Director of sales, but fractional. Same work, same frustrations, now with no benefits. As Shelley put it, you built the same box you just got out of, and you can't figure out how you ended up back inside it.
I did a version of this myself. I had a good contract gig that paid well doing work I liked. Instead of building on it, I talked the company into hiring me full time, because the title felt safer. I was miserable within months.
The back half is her method for getting unstuck, and it's the opposite of what most people do. You don't sit down and list your skills. You don't mine your performance reviews. When you've just been laid off, you are the least qualified person in your own life to describe how good you are, because you're operating from doubt.
So you go gather evidence instead.
In this episode:
We covered this across the conversation but never laid it out in one piece. Here it is.
Shelley McIntyre is a coach for Gen X professionals in transition, and a former grief counselor, which is where a lot of her perspective on identity loss comes from. She hosts Burn the Map, a podcast built around short episodes, and works with clients on figuring out who they are outside a job title.
Estimated from the transcript. Spot-check and shift for cold open and sting.
Somebody commented on one of my TikToks. He'd started his own solo business a couple years back, it's working, he's happy. Then he said "but it's not for everyone."
I'd been repeating that exact line for years and never once dug into it.
So this episode is two things. Why people still say entrepreneurship isn't for everyone, and why I think it's true about something almost nobody is actually doing.
When people hear "entrepreneur" they picture the same movie. Raise money, hire a team, sign a lease, bet the house. That version is brutal and it isn't for most people, me included. But in 2023 roughly 117,000 one-person businesses cleared a million dollars in revenue. No employees. No payroll. Nobody to manage.
The four myths I go after:
That last one is backwards. Your corporate job is one customer providing one hundred percent of your income, and they can end it for reasons that have nothing to do with how good you are. Attach a W-2 to it and we call it stability.
The second half is the part I didn't get into in the LinkedIn article: finding clients is closer to a job search than to building a company. I've had seven or eight corporate roles and seven of them came from a referral or somebody in my network. Not one came from a blind posting. That's the same channel that brings in solo work.
I also walk through how I'd structure a first offer. Good, better, best, and why people almost always take the middle one.
In this episode:
TIMESTAMPS
Key Quotes
"Seven of my eight corporate roles came from a referral or somebody in my network. I honestly can't think of a single job I got from a blind posting."
"Your corporate job is one customer. One revenue stream. If that customer goes away, you've got nothing."
"One bad quarter, or even a good one with a new VP, and you're gone."
"If it takes you six months to find your next customer, you're not running that business very well."
"Put a tenth of the effort you put into a job hunt into finding problems to solve, and you'd have more customers than you'd know what to do with."
"The people who got ahead in corporate because they knew how to play the games, that doesn't work out here. These people just want their problem solved."
"Nobody's judging you except you."
"Corporate's going to end whether you choose it or not. You might as well take control."
LINKS
Questions, or an episode idea? [email protected]
Wes Wheless got laid off twice inside a few years. COVID, then the tech downturn. He wasn't angry about the second one. He just didn't have the energy to go attach himself to somebody else's mission again and wait for it to get taken away.
He didn't have a plan. He took a couple months, picked up some contract work to hold him over, and then a light bulb went off: if he could find enough of these, he might never need a full-time job again.
Four years later he's got a practice serving independent consultants and a book, The Expert's Privilege, that I told him he should have written before I left corporate.
The core idea is three stacked pieces:
His metaphor for point two is the one that stuck with me. Imagine running a cruise line with a hundred ships and fifty of them permanently tied up in port. That's what corporate does with what you know.
We also get into the stuff nobody tells you. Why hourly pricing punishes you for being good. What happens when a client pigeonholes you before you open your mouth. How he figured out which part of his own service people actually valued, and then sold only that. And the thing I keep running into with Gen Xers: deeply experienced people who sit down, look at twenty-five years of work, and say "I don't know what I know."
In this episode:
"I wasn't angry. I just didn't have the energy to attach myself to someone else's mission again, just for it to get taken away in a couple of years." — Wes
"Imagine you had a cruise line with a hundred ships and fifty of them were tied up in port permanently. That's how we are in corporate." — Wes
"I was that person four months ago that was getting put in the corner. And here, in a different context, they're desperate to know what I know." — Wes
"If you're good at something, an hourly rate doesn't do you any favors." — Wes
"Don't think of it as the book. Think of it as a book. Even easier, your first book." — Wes, on the advice that unstuck him
"I don't know what I know. I've done so many things that I feel like I can't do any of them." — Wes, on what he hears constantly
"Think of your current job like you're a small business owner with one client. Is that a good deal for you?" — Brett
"If you were laid off tomorrow, do you want to start from square one, or do you want to feel like you had a head start?" — Wes
ABOUT THE GUESTWes Wheless is the author of The Expert's Privilege: A Self-Deployment Guide to Leaving Corporate and Going Solo (July 2026). After two layoffs, including one from the tech education company Reforge, he built an independent practice helping solo consultants pull their expertise out of their heads and turn it into visual frameworks, something he calls intellectual headshots. He now also works with people still inside corporate who want to map and pressure-test a consulting lane before they need one.
LINKSThe book The Expert's Privilege: A Self-Deployment Guide to Leaving Corporate and Going Solo https://theexpertsprivilege.com/ Amazon: https://www.amazon.com/Experts-Privilege-Self-Deployment-Leaving-Corporate/dp/1788464028
Wes's site and services https://bio.site/weswheless
Wes on LinkedIn — https://www.linkedin.com/in/wwheless/
The Collective https://trp-collective.circle.so
Questions or guest ideas? [email protected]
This one's a step back to look at the big picture, because a lot of the Gen Xers I talk to are too busy living life to see it.
Three things are colliding at once.
Corporate is chaos. It's not your age, it's your expense. Somebody can do half your job for half the price, and that's who gets picked. Getting laid off is one thing. Getting back in is the real problem. Look around your own network if you don't believe me.
The savings math. The generation before us had pensions. We got a 401k and a how-to video. Roughly half of Gen X has nothing put away, and the typical household isn't close to what 30 years actually costs.
Longevity. This is the good news. If you take care of yourself there's a real chance you're looking at 30 or 40 more years, healthy and active.
Put those three together and it doesn't add up.
I'm not doing this to scare anybody. It's not a prediction, it's already happening. But there are two ways to react. You can treat it as a sunset and ride it out. Or you can treat it as the start of a second adult lifetime, which is the way I'm choosing to look at it.
The back half of this episode is the part that matters: you already have everything you need to generate income on your own. The skills, the experience, the problem solving. What's in the way is unlearning what corporate taught you, and the fact that we make making money way more complicated than it needs to be.
In this episode:
The Collective Now focused entirely on the thing most people are stuck on: making money outside of corporate. A group of Gen Xers figuring it out together. https://trp-collective.circle.so
Everything else https://BrettTrainor.com
Questions or episode ideas? Email me: [email protected]
If the show's useful to you, hit follow wherever you listen.
GenX, laid off over 50, ageism at work, corporate layoffs, retirement math, 401k, longevity, second act, making money outside corporate, career change over 50, side income, Gen X retirement crisis
Corporate quit on me just over six years ago.
At the time I thought this was about one thing: replacing my income. Six years, 350 episodes, and a whole lot of experiments later, I've figured out it was never really about the money.
This is the first solo episode under the new name, and I wanted to start by sharing the nine things I've learned on this quest so far. Not a playbook. Not a system. Just the stuff that turned out to be true, whether you're still in corporate, recently laid off, or already out and still trying to piece it together.
I don't have it all figured out. I'm a lot closer to where I want to be than I was six years ago, and I'm bringing you along for the rest of it.
The nine:
I wasn't running from corporate. I was running toward control.
Time is the currency. Grinding is just rationalizing giving it away.
Without your health, none of the time means much.
We overcomplicate everything. Especially making money.
Stop building your life around a job. Fund the life you want instead.
Stop asking permission. Nobody's coming.
Action beats planning. Every time.
Doing less is the whole skill.
It comes down to four buckets: relationships, health, purpose, and fun.
The Collective Now focused on the thing most people are actually stuck on: making money outside of corporate. https://trp-collective.circle.so/checkout/the-time-rich-project-collective
Got a question, or know a Gen Xer doing something interesting? Email me: [email protected]
If you're getting something out of the show, hit follow or subscribe wherever you're listening. Still moves the needle.
TIMESTAMPS
Estimated from the transcript. Spot-check against the final cut, and shift everything by the length of your cold open plus sting.
00:00 — Six years in, and why I'm doing this podcast with more intention
01:55 — #1: I wasn't running from corporate, I was running toward control
03:00 — #2: Time is the currency (and the 90-minute commute that broke me)
05:05 — #3: Prioritize your health now, not later
06:00 — #4: We overcomplicate everything, especially making money
07:30 — #5: Stop building your life around work, fund the life instead
09:10 — #6: Stop asking for permission
10:25 — #7: Action beats planning, every single time
11:30 — #8: Doing less is the whole skill
13:55 — #9: The four buckets (relationships, health, purpose, fun)
17:50 — Quick recap of all nine
19:20 — There is no one path. Don't follow somebody else's plan.
20:05 — What's changed inside The Collective
21:05 — How to reach me
Brett Trainor Unplugged is for Gen Xers who want to get one step closer to living the life they want—on their terms.
After six years of building life beyond the default corporate playbook, thousands of conversations with Gen Xers, entrepreneurs, and experts, and features in Fortune, Fast Company, Forbes, Harvard Business Review, and Inc., Brett Trainor is still on the quest to build his ideal life—and he shares what he learns along the way.
Part personal journal, part practical guide, and part curious conversation, this is a candid, lightly produced show about stripping away the noise, rejecting unnecessary grind, and seeing more of what is possible.
Brett is a deconstructor, explorer, dot connector, and self-admitted high-functioning lazy person. Through solo episodes and unfiltered conversations with Gen Xers, founders, creators, and experts, he explores the decisions, habits, tools, tradeoffs, and ideas that can help you build a life you actually want to live.
The conversations span the areas that make life worth living: money, mind and body, purpose, connections, possibility, and fun.
There is no singular path. No hustle theater. No permission required. Just better questions, useful ideas, and real examples that help you see what is possible—and ask:
Why not me?
You can always make more money. You can't make more time.
This is the episode that ties the whole thing together: what a time rich life actually is, and why control of your time, not your income, is the key to the life you want.
My first year out of corporate, I chased one thing: replace the paycheck and then some. I did it. And I wasn't much happier. This is the story of what I was actually missing, and the simple framework that fixed it.
In this episode:
What a time rich life really is, and why money isn't part of it
The four areas that actually move your happiness: connections, health, purpose, fun
The "50 hours back" question that reframes everything
The calendar mistake I made that was worse than corporate
Define, Fund, Live: the three moves to get there
Low-friction income: funding your life in the fewest hours
If corporate has you trading every hour for a paycheck, this is your blueprint for taking the hours back.
CHAPTERS / TIMESTAMPS
00:00 — What this episode answers, and why it matters 02:18 — Kicked out: I chased the money and wasn't happier 03:30 — What a time rich life actually is 04:44 — The "50 hours back" question 05:30 — The four areas: Connections and Health 07:07 — Purpose, and why "escape" was the wrong word 08:20 — Fun, and my two non-negotiable time blocks 09:24 — What control actually looks like (golf Friday, granddaughter over) 10:49 — Why it all comes down to time 12:00 — We overcomplicate making money 13:16 — The calendar problem, and losing the guilt 14:30 — Time blocking, and the 30-minute disaster (thanks Glaveski + Shirley) 15:38 — Learning to say no 17:52 — The four areas as your monthly barometer 19:20 — Money is a tool, not the goal (thanks Diana Alt) 20:03 — The framework: Define it, Fund it, Live it 22:24 — Funding the life: from fractional to low-friction income 25:00 — Two things you can do today
LINKS & RESOURCES
Free: The Time Rich Starter Kit (six worksheets to see where your time actually goes) → https://stan.store/thecorporateescapee/p/see-where-your-time-actually-goes
The Time Rich Collective (connect with Gen Xers on the same path) → https://trp-collective.circle.so/checkout/the-time-rich-project-collective
Website → https://timerichproject.life
Mentioned in this episode:
Steve Glaveski, author of Time Rich — earlier TRP episode
Paul Shirley, The Art of Focused Work — earlier TRP episode
Diana Alt on separating mission from money — recent TRP guest episode
The "15 ways I've made money outside corporate" episode → https://youtu.be/p5rxv-f1M7k
Listen / subscribe:
Spotify → https://open.spotify.com/show/5UQSv8iKydo8E2cevuIAB5
Apple Podcasts → https://podcasts.apple.com/us/podcast/the-time-rich-project-formerly-the-corporate-escapee/id1469405998
Newsletter → https://trpnewsletter.beehiiv.com/
Making money outside corporate is easier than landing your next corporate job. After a thousand-plus conversations with people leaving corporate, the blocker is almost never skill or experience. It's that we overcomplicate it.
This one is all mechanics. If you're 45+ and trying to make your first dollar outside corporate, or just want to stop betting everything on one paycheck, this is the playbook.
In this episode:
Your real number: why you think in cash flow now, not salary, and why it's lower than you'd guess
Why one boss is the riskiest bet you can make
Separating mission from money so you fund the life without burning out
15 ways I've actually made money since leaving corporate, from higher-effort work to low-friction income anyone can start
Three live examples with real numbers: the guy negotiating car deals, a wedding-dress business I built in 4 hours for $10, and the Amazon Influencer Program
A simple four-part filter to score any idea: pay, demand, ease, repeatability
Watch the version with slides on YouTube, or grab the deck from the resources below.
Money is solvable. Time is the thing you can't get back. Stop trading so much of it.
THE 15 WAYS (quick reference)
Higher-effort income (monetize your corporate experience — great cornerstone accounts, but more hours):
Fractional leadership
Consulting (project-based)
Solo consulting
Advisory
Business development (setting meetings for brands in your network)
Reselling services for smaller brands
Affiliate sales
Audience-based (helps to have a following): 8. Sponsored posts 9. Paid community 10. Speaking 11. Paid content / brand sponsorships
Low-friction income (anyone can start, small audience or none): 12. Paid workshops 13. Coaching (business, career, or a hobby — you just have to be a step ahead) 14. Facilitating webinars 15. User-generated content (UGC)
Bonus area to dig into: AI services for business owners.
THE FILTER (score each idea 1–10)
Pay — how much per hour?
Demand — is this a need-to-solve problem, not a nice-to-solve one?
Ease — how fast and simple to deliver?
Repeatability — can you do it again and again?
LINKS & RESOURCES
Watch this episode with the slides on YouTube → https://youtu.be/p5rxv-f1M7k
Download the deck (the 15 ways + the filter) → https://stan.store/thecorporateescapee
Free: The Time Rich Starter Kit (six worksheets to see where your time actually goes) → https://stan.store/thecorporateescapee/p/see-where-your-time-actually-goes
The Time Rich Collective (connect with Gen Xers on the same path) → [COMMUNITY LINK — drop in]
Website → https://timerichproject.life
Mentioned in this episode:
Unveiled + Unboxed (the wedding-dress project) → https://unveiledunboxed.com
Megan's UGC course for Gen X and Boomers → https://stan.store/affiliates/bd030aba-a9a1-4f50-9073-45cc67b073f1
Tommy / Deliver (car-buying negotiation service)
Wall Street Journal, "The Rise of Million-Dollar Companies With Just One Employee" → https://www.wsj.com/tech/ai/the-rise-of-million-dollar-companies-with-just-one-employee-f36a77c1
Amazon Influencer Program
CHAPTERS / TIMESTAMPS
00:00 — Making money outside corporate at 45+ 01:00 — The real blocker: we overcomplicate it 02:20 — The five things this episode covers 02:50 — 1. Stop thinking salary, start thinking cash flow 04:00 — No pension, and becoming a high-functioning lazy person 05:00 — 2. Why one boss is the riskiest bet 06:45 — 3. Separate mission from money (thanks, Diana Alt) 07:50 — 4. The 15 ways I've made money (deck on YouTube) 08:30 — What low-friction income actually means 09:00 — Higher-effort: fractional, consulting, advisory, reselling 11:20 — For the record: I've spent $0 on marketing 11:40 — Audience-based: sponsored posts, community, speaking 12:20 — Low-friction anyone can start: workshops and coaching 15:00 — UGC: my favorite way to start 15:40 — The solo-business boom (WSJ) 16:10 — Solve one simple problem, not all of them 16:40 — AI services for business owners 18:30 — Example 1: Tommy negotiates car deals 20:30 — Example 2: the wedding-dress business I built in 4 hours 24:30 — Example 3: the Amazon Influencer Program 26:30 — The filter: pay, demand, ease, repeatability 27:50 — Don't chase shiny objects 28:40 — Money is solvable
Pro athletes know their career has an expiration date. Corporate never tells you yours has one too.
Here's the part nobody says out loud: when corporate moves on from you, it usually isn't because your talent slipped. You just got too expensive. Gen X is the first generation facing this without a pension to catch us, and we're going to outlive the old retirement math by decades.
So this episode borrows from the people who have been managing forced career transitions for 50 years: professional athletes. What do they lose when the game ends, and what can we take from their playbook?
In this episode:
The four things you lose when corporate retires you: identity, community, structure, and money
Why "you got too expensive" is not the same as "you're done"
The three-part transition: design the life you want, fund it, then live it
The four areas to rebuild around: relationships, mind and body, purpose, and fun
Separating mission from money so you don't burn out chasing the wrong one
Becoming a high-functioning lazy person: funding your life in the fewest hours possible
You've got another 30 good years, and 20-plus years of experience the athletes don't have. This is the sunrise, not the sunset. Let's build the plan.
LINKS & RESOURCES
Free: The Time Rich Starter Kit (six worksheets to see where your time actually goes) → https://stan.store/thecorporateescapee/p/see-where-your-time-actually-goes
The Time Rich Collective (connect with Gen Xers on the same path) →
Website → https://timerichproject.life
Mentioned in this episode: https://trp-collective.circle.so/checkout/the-time-rich-project-collective
Paul Shirley (former pro basketball player and author) — earlier TRP episode
Diana Alt — "separate mission from money" (recent TRP guest episode)
ABOUT THE SHOW
The Time Rich Project is for Gen Xers who paid their dues and are ready to write the next chapter. It's about taking back control of your time and funding the life you want in the fewest hours possible, so the rest of your time is yours. Real stories, real mechanics, no hustle. Hosted by Brett Trainor.
CHAPTERS / TIMESTAMPS
00:00 — The parallel nobody talks about: pro athletes and corporate 00:50 — You didn't get worse, you got too expensive 01:30 — The first generation without a pension (and outliving retirement) 02:45 — The four things you lose when corporate retires you 02:55 — 1. Identity: who are you without the title? 03:40 — 2. Community: everyone misses the locker room 04:50 — 3. Structure: owning your calendar, and my time-blocking mistake 06:45 — Why it's called Time Rich 07:30 — 4. Money: funding the lifestyle instead of chasing a paycheck 09:00 — Turn the faucet up or down: your first dollar out 10:00 — Start with what you know, then go wider (UGC, AI, small services) 10:50 — Separate mission from money (thanks, Diana Alt) 11:50 — The pyramid: from C-suite to everyone else 13:40 — What we have that athletes don't: 20+ years of experience 14:30 — Sunset or sunrise: it's your call 16:30 — Designing the life: relationships and the no-asshole policy 18:15 — Mind and body: built to live to 90 18:40 — Purpose: follow the energy 19:40 — Fun: are you getting enough of it? 20:00 — Funding the life you designed 21:00 — Living it: the 80/20 way 22:00 — Design, fund, live: putting it together
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