Growth Notes

What It Takes: Mastering Your Will When Conditions Aren’t Good

On Growth Notes, Frazier shares a closing message from his weekly Friday “WIT” (What It Takes) call, where the group recaps personal and business wins and uses a hot seat to work through challenges. He argues the true measure of commitment is showing up and taking action when it’s the last thing you want to do, because successful people don’t win through excuses. Frazier says the industry is at an inflection point and many won’t make it through, but opportunity remains for those rooted in principles like consistency, keeping commitments, and strengthening will through reps. He encourages small, focused steps—similar to the one-day-at-a-time approach of 75 Hard—sticking to a plan and strategy, and taking market share as competitors falter due to inaction.

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Temporary Defeat: Starting Over After Breaking the Streak

Frazier shares how he “failed” on day 10 or 11 of using Lantern, his personal development app for loan officers, by forgetting to complete the end-of-day reflection after staying up late for a lunar eclipse with his son, which broke his streak and forced him to start over. He explains that Lantern tracks daily actions and streaks, and even missing a small required step means the day doesn’t count. Drawing parallels to 75 Hard—where missing one task requires restarting—he emphasizes that perfection is a myth and that setbacks are best viewed as temporary defeat, not failure. For Frazier, real failure is quitting, and he encourages listeners to reset, pivot, and recommit to the mission by getting back up and doing the work again.

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Beyond Your Circle: Build a Purpose-Aligned Community

Frazier explains that personal growth isn’t just about having a “good circle” of people from different phases of life, but about intentionally surrounding yourself with people aligned in purpose and on the same mission of growth. He emphasizes seeking out a tight-knit community that supports collaboration, accountability, and shared momentum, rather than relying on proximity relationships or distant mentors. Frazier notes the difference between simply joining a Zoom call and being part of a connected group where members know each other and actively grow together. He doesn’t want to be the only voice in someone’s head and acknowledges his limitations, stressing the value of diverse perspectives from people “in the trenches.” He encourages listeners to intentionally find and build this collective to progress faster and feel less weary along the way.

Stop Being Transactional: Competing With Servicers in the Coming Refi Wave

Frazier shares a growth note from August 26, 2024, arguing that treating refinancing as a one-time transaction hurts long-term business, especially as rates create a refi “wave,” not a COVID-style boom. He says this will be the most competitive refi market ever because servicers value retaining the asset and customer through MSRs and can price at break-even or a loss, making it hard for loan officers to compete on price. To avoid losing deals, he urges listeners to “act like a servicer” by staying consistently in front of clients with a full-court press (calls, mail, emails, texts) and a clear plan that builds stickiness beyond a single conversation. He notes claims that servicers may retain 85% and that brokers retain around 25%, leaving a limited share of opportunities.

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Stop Saying You’re “Not Good With Tech”: Upgrade Your Limiting Beliefs

Frazier reflects on a previous Growth Notes episode about upgrading beliefs to create change and explains three kinds of limiting beliefs: about the world, others, and ourselves, focusing on self-limiting beliefs. He uses “I’m not good with tech” as a common example, calling it a cop-out and arguing that people can learn technology the same way they learned other skills through practice and repetition. He cites seeing older clients in his program become proficient with tools, including AI, once they had goals that required it, while others stay behind by repeating the belief. He urges listeners to identify the “I can’t” stories they tell themselves and decide to stop using them as excuses. He also announces a Wednesday Q&A call about coaching and notes the membership opens for seven days starting next Tuesday.

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Upgrade Your Beliefs to Change Your Trajectory

Frazier shares a key idea from Michael Hyatt’s book Your Best Year Ever: limiting beliefs often contain a “kernel of truth,” which makes them convincing, but they are not the whole truth. Drawing on perspectives from marketers and creators like Alex Hormozi, Gary Vee, and Milet, he emphasizes the power of framing and reframing to overcome perceived barriers. Frazier notes that many things once seemed impossible until someone accomplished them, and argues that beliefs can be upgraded by changing perspective through consistent action, not just thinking or talking. He urges listeners to take action every day to avoid falling further behind, build confidence, and create proof that their efforts are working.

The Power of One Intentional Choice

In this Growth Notes episode, Frazier shares a brief Sunday message about preparing for the week ahead and closing out August by focusing on “the power of one.” He explains that life change usually doesn’t come from a single massive decision, but from consistently making small, intentional choices that compound over time—like one healthy meal, one difficult conversation, one extra phone call, one chapter read, one workout, or one small decision to do what you know you need instead of falling back into old habits. Frazier emphasizes that every intentional choice moves you closer to your goals and the person you want to become, while unintentional choices can move you farther away. He encourages listeners to stop trying to change everything at once and simply make the next choice count.

Conscious Communication and Staying Human in the Age of AI

On a Saturday episode of Growth Notes, Frazier shares a recent conversation with Jamie Miller, founder of The Art of Conscious Communication, who has spoken at Fuse, MortgageCon, and UWM and is hosting an upcoming event called HumanCon. Frazier highlights Jamie’s focus on the power of being human in communication and creating real connection, especially as AI, digital tools, and automation can increase disconnection. He reflects on how to merge technology with meaningful, memorable moments of impact, cautioning against automating oneself out of the interactions that build trust and differentiation. Frazier notes his belief that “the most human company’s going to win,” describes Jamie as an agent of change serving others, and encourages listeners to connect with Jamie, speak with him at events, and check out HumanCon.

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Frazier challenges the business fallacy that the same actions and skills that created current success will automatically produce success at the next level. He explains that growth brings new requirements, and skills that worked at one stage—such as being a strong producer or serving 10 clients—may not be enough to become an effective leader or serve 100 clients. Frazier emphasizes that moving up creates new challenges and demands personal growth, so people shouldn’t become so attached to past strengths that they refuse to develop what’s needed next. He encourages planning and strategizing for the next level by identifying the specific skills required to solve upcoming challenges, then developing those skills before they’re urgently needed, ultimately building oneself into the person required for the next level.

Find the Real Constraint, Not the Symptom

In this Growth Notes episode, Frazier explains that business owners must identify the real constraint driving breakdowns rather than focusing on imaginary constraints or surface-level symptoms. He shares that his green zone training and an ROT coaching call both highlighted how one underlying issue can create multiple downstream problems, since challenges often cascade. Frazier gives examples of how low conversations can indicate an activity problem, while inconsistent execution points to a systems problem, and notes that issues like time management may be the root cause affecting several areas. He emphasizes reverse engineering problems to find their genesis, fixing the true constraint instead of trying to fix everything, and learning the business through tracking and reflection to solve causes and catch them before they grow.