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Some of you need to hear this—not everyone in your life is helping you win.
That includes the guy on your LO team who complains every day.
That includes your "mentor" who hasn’t closed a loan since 2019.
And yes, that might even include family.

In this episode, Frazier and Michael break down a viral Growth Notes topic: removing toxic people from your business and your life. It starts with the clowns in your comment section—but it runs much deeper. From drama in Facebook groups to legacy LOs poisoning the office with fear and frustration, this episode is about cutting the cord and reclaiming your mindset.

What You’ll Hear:

• Why loan officers can't afford to keep toxic voices around
• The kind of feedback that kills your momentum
• Social media etiquette for professionals (read: stop being a hater)
• When to unfollow, unfriend, and unplug
• Why "I've been doing this for 20 years" is a 🚩 not a flex
• The subtle way negativity spreads without you noticing

Frazier’s Challenge of the Week:

✅ Audit your environment.
✅ Audit your circle.
✅ Audit your feed.

 If it drains you, it’s gone.
You can't grow surrounded by people who hate growth.

Why This Episode Matters:

Most people don’t fail from lack of skill—they fail from the wrong proximity.
Bad energy is contagious.
And if you're trying to win in 2026, you better start cleaning house now.

Ready to Replace Toxicity with Momentum?

Join the MLO Hub and plug into a community built for loan officers who want more: more growth, more action, more real. It’s free. It’s focused. And it's where the winners hang out.

🎧 Listen. Reflect. Take action.
This is The MLO Project.
Let’s go.