Growth Notes

What Will Prevent You From Hitting Your Goals in the Next 6 Months?

On the last day of June and Q2 2026, Frazier encourages listeners to finish strong and invites them to join Mortgage Mornings to discuss how to put a loan in the pipeline within 30 days after entering a new market. In this Growth Notes episode, he assigns homework: block uninterrupted focus time and write down not the tasks needed to reach goals for the next six months, but the specific obstacles that will prevent success, such as poor time management, failure to follow up, and call reluctance. He then asks listeners to identify what they will do about those obstacles and set a deadline, carrying that plan into the new month and quarter.

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Undeniable Utility: The Key to Loyalty and Attraction Without Chasing

In this Growth Notes episode, Frazier opens by encouraging listeners to attack the final week of June and the quarter, while warning that the upcoming 4th of July holiday weekend can disrupt momentum if you’re already struggling or building progress. He shares insights from a recent mastermind conversation about consumer sentiment and loyalty, emphasizing that loyalty in business partnerships, investor relationships, and customer retention is fundamentally driven by value exchange. Drawing on ideas about “utility,” he argues that utility is the ultimate retention metric: when a company’s or individual’s utility drops, people leave. Frazier urges listeners to honestly assess whether they are truly providing equal value, noting how bias can mask problems, and concludes that when your value becomes undeniable, you attract without chasing.

Day 59: Reconnect Before the Holiday With 12 Simple Video Messages

On June 28 (day 59 of the 60-day challenge), Frazier plays a flashback Growth Note from June 28, 2024 and encourages listeners to finish the week, month, and challenge strong while noting Growth Notes will continue beyond 60 days due to strong listener feedback. He shares a simple, no-cost tactic he’s been recommending in coaching sessions with about 160 loan officers: pick three contacts you haven’t spoken to in 60–90+ days and send each a 30–45 second personal video message apologizing for the gap and asking to reconnect after the Fourth of July for a 15–20 minute call. He suggests doing this for four days (12 people total) to build positive engagement and momentum, citing a quick win from someone who reconnected with a contact interested in buying another investment property.

Customer Rage Is Rising—Empathy and Service Are Your Competitive Edge

On Growth Notes, Frazier reflects on a discussion in an entrepreneur coaching Facebook group about worsening consumer behavior and investigates whether it’s anecdotal or real by reviewing recent data on customer sentiment. He cites findings including the Parola Consumer-Patient Index showing one in three Americans would switch brands rather than be put on hold, declining tolerance for automated systems, Forrester’s CX Index at a historic low of 68.3/100, and Qualtrics reporting backlash to AI chatbots. He also highlights a CCMC “customer rage” benchmark noting 77% of consumers experienced a product or service problem in the past year and many reported extreme emotional reactions. Frazier argues widespread poor service and turnover are shaping customer impatience, urging entrepreneurs to stay empathetic and differentiate by prioritizing customer experience even if priced higher.

Real Hustle: Speed With Purpose, Not Busy Work

On Growth Notes, Frazier explains that what many people call hustle is often just staying busy without getting results. He argues real hustle isn’t movement, long hours, a packed calendar, or a chaotic inbox, but speed with purpose—knowing what matters most and attacking it with focus and urgency. Frazier warns that much daily “work” can become reactive: answering emails and texts, processing challenges, jumping on webinars, and creating content, which can feel productive but lacks direction. He emphasizes that reacting, moving, and looking productive are not hustling if they create chaos without purpose. Frazier encourages listeners to ask whether they’re urgently focusing on what matters most or avoiding the key tasks they know they need to do.

Act Like You Control Your Fate

On Growth Notes, Frazier reminds listeners that they are the master of their fate and need to act like they control their destiny by taking personal ownership of where they are, how they got there, and where they’re going. He challenges talented people who get stuck explaining outcomes by pointing to external reasons—like rates, the market, or other factors—instead of focusing attention on what they can do. Frazier warns that handing responsibility to something outside yourself gives it power, leads to waiting, and becomes a trap that keeps you comfortable where you are. He notes that people readily take credit when good things happen but often avoid accountability when bad things occur, and he urges listeners to decide how their story will go and “go win” today.

Excuses vs. Preferences: The True Cost of Staying Comfortable

Frazier reminds listeners that “Mortgage Mornings” happens every Wednesday at 10:00 AM Eastern and invites them to join the 30–60 minute call. He then reframes excuses as conscious preferences, noting that while excuses can be valid, they often keep people comfortable and stuck, and the excuse “always has a bigger price tag” than the truth. Drawing on ideas associated with Brendon Burchard and Ed Mylett, he explains that people frequently prefer comfort, predictability, and safety over the discomfort and vulnerability required for growth. By labeling excuses as preferences, individuals take ownership of their choices instead of acting like victims of circumstances, separating the choice itself from judging it as right or wrong and focusing on the results that follow.

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Attention vs. Influence: Turning Visibility Into Trust and Referrals

Frazier challenges listeners to consider how much time they spent last week chasing attention through posts, reels, emails, and videos, and whether it produced real results like calls, referrals, or deals. He explains the difference between attention—being seen—and influence—causing people to act, choose you, buy from you, or refer you—arguing that today’s attention-saturated environment trains people to measure success by views, likes, and reach while missing that attention without trust is just noise. Frazier emphasizes that the goal is converting visibility into trust and influence by being consistent, showing up, demonstrating expertise, and earning it through conversations and follow-up. He also reminds listeners about Mortgage Mornings, Wednesdays at 10:00 AM Eastern, featuring Todd Albregt of Edge Home Finance.

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Enjoy the Process: Treat Your Time Like an Investment

In this Growth Notes episode, Frazier shares a Monday mindset with nine days left in June and the quarter, encouraging listeners to stay focused and treat everything they do as an investment of time with an expected ROI. Building on his previous message, he emphasizes that success is not a destination but the daily journey and process—wins and losses included. Frazier suggests viewing work like a game to think differently while still taking outcomes seriously, and he reminds listeners to appreciate the grind they may later miss, such as early mornings and late nights spent learning and building. He encourages enjoying the journey because it leads to improvement, refinement, and greater effectiveness over time.

Invest Your Time and Track the ROI

On a Sunday Growth Note, Frazier emphasizes that time is the equalizer because everyone gets the same hours each day and how those hours are used is a choice. He encourages shifting the mindset from thinking about what time is being spent on to what time is being invested in, noting that time is the biggest investment because it cannot be replenished. Frazier challenges listeners to treat everything they do this week as an intentional investment of time and to consider the ROI of those choices—what return they are getting from where they place their attention and effort. He asks listeners to be honest about what they would see if they evaluated their week through this investment-and-return lens.