• How Do You Build Multiple Businesses in Midlife? Nancy Shenker's Portfolio Career Playbook
    Jul 28 2026
    Episode SummaryNancy Shenker left a 20-year corporate marketing career at Citibank and MasterCard at age 48 and, over the next two decades, built not one but a fleet of ventures — a marketing consultancy called The OnSwitch, fractional CMO work, a serialized Substack memoir, and an AI-focused newsletter. In this episode, she explains how women over 50 can price their expertise with confidence, land their first clients by mining relationships they already have, and use AI as a daily thinking partner without losing their own voice. She also tackles the harder conversations: ageism and sexism inside LinkedIn's algorithm, "mean girl" dynamics in women's professional spaces, and why "enough" money — not venture-scale growth — is often the smarter financial goal for entrepreneurs starting later in life.Key TakeawaysYour existing network is your first client pipeline. Nancy landed her first major retainer client not through cold outreach, but by reconnecting over lunch with someone from her corporate past and simply asking what they were working on — no pitch required.Price according to value, not insecurity. Nancy doubled her hourly rate at age 70 and recommends role-playing pricing conversations out loud until stating your rate feels natural, comparing it to what accountants or lawyers charge.Hire for your weaknesses, not your comfort. One of Nancy's biggest early regrets was not hiring for operations and finance sooner; she warns against hiring people you simply enjoy hanging out with over people who complement your actual skill gaps."Enough" is a legitimate financial goal. Rather than chasing venture-scale growth, Nancy built a detailed budget separating "nice to have" from "need to have," and checks in quarterly with a financial advisor to fund a lifestyle — not a valuation.AI works best as a structured daily collaborator. Nancy uses an AI tool (which she nicknamed "Beulah") alongside analog systems — a paper notebook divided into self-care, passions, and money projects — to get her work done most mornings by noon.About the Guest: Nancy ShenkerNancy Shenker spent the first half of her career in corporate marketing at Citibank and MasterCard, where she worked on the rollout of the Priceless campaign, before moving into the events and exhibitions world at Reed Exhibitions (where Comic-Con emerged). At 48, she left corporate life to found her own marketing consultancy, The OnSwitch, which she has run for more than two decades under the tagline "bright and timeless."Today Nancy operates a portfolio of ventures rather than a single business: she consults through The OnSwitch, takes on fractional CMO engagements, writes a serialized memoir and self-help graphic novel on Substack, publishes a newsletter called Bodies and Bots, builds no-code apps, and is launching a new business with a 39-year-old business partner. She rebranded her personal identity as "Nancy AF" (nancyaf.com) at 70. Nancy was an early AI adopter, publishing a book on artificial intelligence back in 2017, and she recently founded a women's community called The Break Room, built around the principle of “being real and kind."FAQHow do I find my first clients when starting a consulting business?Start by reconnecting with people from your previous career — not to pitch them, but to catch up and genuinely ask what they're working on. Nancy Shenker landed her first significant retainer client this way: a former colleague she met for lunch ended up asking her to help write a strategic plan, with no sales pitch involved.How should I price my services as a new entrepreneur, especially as a woman?Set your rate based on the value you provide, not your comfort level saying it out loud. Practice stating your hourly rate in the mirror or with a friend until it feels natural, and be ready to respond calmly when a prospect says it's too much — offer to scale back scope rather than dropping your price.When should I hire help in my business versus doing everything myself?Be honest about which tasks you're genuinely bad at — for Nancy Shenker, that was operations and finance — and hire for those gaps early, even before you hire for roles that feel more comfortable or fun. Avoid hiring people simply because you like them personally; prioritize complementary skills over personal chemistry.Do I need to aim for venture-scale growth to be a successful entrepreneur in midlife?No. Many entrepreneurs, especially those starting later in life, are well served by defining "enough" — a number that covers their desired lifestyle and supplements retirement income — rather than chasing rapid scaling or a big exit. Building a detailed personal budget and separating "nice to have" from "need to have" expenses helps clarify that number.How can older entrepreneurs use AI effectively in their business?Treat AI as a daily thinking partner for structuring your workload — for example, asking it to help organize multiple projects into a clear framework —...
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    42 Min.
  • Leaving Chiropractic for Health Coaching in Midlife: Dr. Sam Graber on Rebuilding Your Identity and Your Business
    Jul 23 2026
    Episode SummaryDr. Sam Graber spent decades as a practicing chiropractor before walking away from disease-focused medicine to build a health and life coaching business from scratch. In this episode of Build Your Own Boat, she explains how burnout, an undiagnosed perimenopause transition, and a growing frustration with insurance-driven "disease management" pushed her to close her practice and start over — without a business plan, a mentor, or a clear name for what she was building. Sam shares the real, unpolished mechanics of that first year: undercharging for her services, encountering predatory business coaches, and slowly discovering that self-knowledge — not a perfect strategy — is the real foundation of a sustainable second-act business. She also unpacks why she now treats the body itself as business infrastructure, explaining how sleep, nutrition, and hormone health directly determine an entrepreneur's capacity to build and sustain a new venture.About the Guest: Dr. Sam GraberDr. Sam Graber spent decades practicing as a chiropractor before leaving the field to build a career in holistic health and life coaching. Frustrated by a conventional medical model built around diagnosis codes and disease management rather than prevention, she closed her brick-and-mortar practice and reinvented herself as a health strategist — helping clients bridge the gap between their doctors and their own bodies. Today, through her "Strong Over Skinny" philosophy, Dr. Sam works primarily with women navigating perimenopause and menopause, coaching them toward stronger bodies, sharper minds, and metabolically sound lifestyles instead of restriction-based diet culture. She offers one-on-one coaching and a membership community, writes regularly on Substack, and also serves as Board Chair of The Starr Institute, a nonprofit dedicated to youth development.Key TakeawaysCareer transitions in midlife are identity transitions, not just business decisions. Leaving a licensed, credentialed profession like chiropractic care means rebuilding not only your income model but also how you introduce yourself to the world.Undercharging is one of the most common first-year mistakes for new coaches and consultants. Without a clear sense of the time, expertise, and transformation being delivered, many women entrepreneurs price their services far below their actual value.Not all business coaches are a good fit — vet them like you would a business partner. Red flags include coaches who ask for large financial commitments without first asking questions about your goals, background, or readiness.Self-knowledge is a prerequisite for sustainable entrepreneurship. Understanding what specifically energizes versus depletes you prevents you from unconsciously rebuilding the same "box" you just left, under a different name.Physical health is business infrastructure, not a personal indulgence. Sleep, nutrition, and hormone balance directly affect an entrepreneur's energy, decision-making, and capacity to sustain a new venture — especially during perimenopause and menopause.FAQHow do you know when it's time to leave a long-term career and start a business?According to Dr. Sam Graber, the signal is often less about a single dramatic event and more about cumulative burnout — a growing sense that the structure of your current work (such as insurance billing requirements in healthcare) no longer aligns with why you entered the field in the first place. She describes reaching a point where the day-to-day demands were "sucking the life and the light" out of her, which became the real catalyst for change.What should you look for when hiring a business coach during a career transition?Look for a coach who asks detailed questions about your background, goals, and readiness before asking for a financial commitment — especially at four- or five-figure price points. Dr. Sam Graber warns that coaches who skip this discovery process, or who treat all clients the same regardless of experience level, are a red flag, particularly for licensed professionals moving from a regulated field into entrepreneurship.Why do many new entrepreneurs undercharge for their services?Many first-time entrepreneurs, especially women, undercharge because they underestimate the time, expertise, and value of what they're delivering, and because of broader cultural conditioning that discourages women from focusing on money. Dr. Sam Graber says she "didn't know what it would even cost" to deliver her services in year one, a common gap for people transitioning from an employed or credentialed role into independent coaching or consulting.How does perimenopause and menopause affect entrepreneurship?Hormonal transitions can affect energy, sleep, mood, and metabolic health — all of which directly impact an entrepreneur's capacity to build and sustain a new business. Dr. Sam Graber notes that many women misattribute these shifts purely to sex hormones, when lifestyle factors like ...
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    38 Min.
  • What Happens When Caregiving Interrupts Your Midlife Business? A Conversation with Wendy Green
    Jul 21 2026
    Episode SummaryWhat happens to your business when an aging parent moves in and needs your care? Wendy Green, founder of Hey Boomer and host of the Boomer Banter Podcast, faced exactly this — and instead of powering through, she made a deliberate choice to scale back her podcast and refocus her energy on the work that gives her the most fulfillment for the least burnout. In this episode of Build Your Own Boat, Wendy shares how she built a "fleet" of ventures — coaching, a podcast, a Substack newsletter, group coaching, travel experiences, and in-person classes at continuing care communities — and how she used a simple return-on-investment framework (time, energy, fulfillment, not just money) to decide what to keep, pause, or let go when caregiving for her 96-year-old mother became her new full-time responsibility. This conversation is a candid, practical roadmap for the millions of women who are simultaneously entrepreneurs and family caregivers — a reality the entrepreneurship world rarely discusses honestly.Key TakeawaysCaregiving is a business risk that deserves real planning, not silent sacrifice. According to AARP, the majority of family caregivers are women, many in the same 50+ age range building or running businesses — making caregiving a mainstream entrepreneurial challenge, not an edge case.You don't need every credential before you start. Wendy earned a coaching certification and change leadership credentials, but she stresses that certifications gave her confidence, not permission — waiting for "one more course" is often just delay disguised as preparation.Evaluate ventures using time and fulfillment, not just income. When caregiving demands increased, Wendy assessed each business activity by asking what it gave her versus what it cost her in time and energy, then cut the parts (like heavy podcast promotion) that drained her most for the least return.Solopreneurship is lonely — collaboration fixes it. Wendy co-founded the Age-Wise Collective, a peer-support network of 12+ women podcasters over 50 who cross-promote, share resources, and problem-solve together instead of competing.Reinvention isn't always about starting over — sometimes it's rediscovery. Wendy is shifting her focus from building new things to rediscovering past skills and interests, describing her next phase as "rediscover and redefine" rather than reinvent.Protecting your mindset matters as much as protecting your schedule. While caregiving for a mother who says "96 is enough," Wendy holds onto her own age-positive beliefs by journaling daily, noticing small wins, and staying connected to people and work that make her feel useful.About This EpisodeIn this episode of Build Your Own Boat, host Janine Vanderburg talks with Wendy Green, a certified professional coach and founder of Hey Boomer, about the entrepreneurial journey most business podcasts skip: what happens when you have to recalibrate your growing venture because a parent needs your care. Wendy walks through her path from a computer science career and corporate training roles into coaching, podcasting, and teaching — and then candidly describes putting her podcast on hiatus to prioritize caregiving for her 96-year-old mother, while still finding ways to stay financially and personally engaged through in-person classes and writing. The conversation covers building multiple income streams ("a fleet of boats"), avoiding the trap of over-preparing before launching a venture, using a peer support network to combat entrepreneurial loneliness, and a practical, three-part framework for deciding what stays and what goes when life happens.About the Guest: Wendy GreenWendy Green is a certified professional coach, speaker, and founder of Hey Boomer, a platform dedicated to helping adults navigate the second half of life with purpose and confidence. She hosts the Boomer Banter Podcast, a long-running show (270+ episodes) that has become a go-to resource for people exploring aging, transition, and reinvention after 50. Wendy holds change leadership credentials from Georgetown University and a professional coaching certification, which she draws on in her one-on-one coaching practice, her monthly Banter Circle group coaching community, and in-person classes she now teaches at continuing care communities near her home in Greenville, South Carolina. She also writes Thriving Through Time, a Substack newsletter exploring caregiving, personal growth, and life balance, and co-founded the Age-Wise Collective, a peer network of women podcasters over 50. Wendy is currently caregiving for her 96-year-old mother while continuing to coach, teach, and write — a real-time example of the recalibration she now speaks openly about.Frequently Asked QuestionsHow do you balance running a business with caregiving for an aging parent?Wendy Green recommends evaluating every business activity by what it gives you versus what it costs you in time and energy, then scaling back or pausing ...
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    39 Min.
  • How Do You Turn a 20-Year-Old Business Idea Into a Movement for Girls? Featuring Jacqui Fishman of This Girl Can! Change the World
    Jul 16 2026
    Episode SummaryJacqui Fishman spent decades as a creative marketing strategist before reviving a shelved apparel line into This Girl Can! Change the World, a mission-driven brand and media property that tells girls, out loud and on purpose, that they have the power to change the world. In this episode of Build Your Own Boat, Fishman explains how a Harvard graduate degree in children's media, a portfolio of designs that sat untouched for over twenty years, and the arrival of the COVID-19 pandemic combined to push her to relaunch the brand — starting with "This Girl Can Vote" merchandise timed to the 100th anniversary of the 19th Amendment. She shares how she beta-tested designs before investing heavily, how she prices products to stay accessible while still funding donations to organizations supporting girls' education and rights, why Facebook shut down her political-themed ad campaign, and how mission-driven partnerships — not paid ads — became her most effective growth strategy. The conversation offers a real-world roadmap for any woman considering reviving a dormant idea into a full-fledged, purpose-driven venture in midlife.Key TakeawaysDormant ideas can be revived successfully. Fishman's apparel concept sat "on a shelf" for more than 20 years before she relaunched it — proof that an idea's timing, not its age, determines its viability.Beta testing before scaling reduces risk. Fishman printed short test runs and shared them within her own network before investing in full production, a low-cost way to validate demand.Pricing should balance accessibility and mission. Fishman intentionally prices products (avoiding, for example, $40 t-shirts) so they remain affordable to families while still generating a donation stream for girls' education and rights organizations worldwide.Paid social ads are not the only — or even the best — growth path. After Facebook flagged and shut down her "This Girl Can Vote" ad as political content, Fishman pivoted to organic content and strategic partnerships with mission-aligned organizations, which became her strongest channel for growth.Confidence erosion in girls begins around ages 10–12. Fishman calls this "the confidence cliff" — the point where girls who were previously loud, curious, and fearless begin to internalize doubt driven by media portrayals and social pressure, which is why early intervention through stories and role models matters.About This EpisodeJanine Vanderburg sits down with Jacqui Fishman, founder of This Girl Can! Change the World, to explore how a creative marketing career, a Harvard graduate degree in children's media, and a decades-old shelved product line converged into a mission-driven brand built to help girls find their voice and claim their power. Fishman traces the connection between children's media representation and how girls come to believe what kind of life they're "allowed" to have, discusses the impact of screens and AI-generated content ("AI slop") on young children, and describes how the character Jane — a sassy, messy-haired stick figure representing every girl — became the face of a growing portfolio of apparel, storybooks, and planned animated media. The conversation also digs into the practical entrepreneurial lessons Fishman learned relaunching a brand in a completely different retail and social media landscape than the one she originally built it in decades earlier.Guest BioJacqui Fishman is a creative marketing strategist and serial entrepreneur who has spent her career helping startups, nonprofits, and children's media brands find their voice and bring their ideas to life. She holds a graduate degree from Harvard focused on children's media, studying how the content children see and hear shapes who they believe they're allowed to become. Fishman previously built and successfully sold a sports-focused apparel line into national retail, and has produced children's television series and books. In 2020, she revived a decades-old apparel concept into This Girl Can! Change the World, a mission-driven brand and media property designed to help every girl believe in her own power — now expanding into a planned book series and animated media featuring the brand's central character, Jane. Fishman also serves on the advisory board of The Legacy Project, an organization focused on intergenerational work.Frequently Asked QuestionsWhat is This Girl Can! Change the World?This Girl Can! Change the World is a mission-driven brand founded by Jacqui Fishman that uses apparel, storytelling, and planned animated media to tell girls, from the earliest age, that they have the power to change the world. The brand includes related lines like "This Girl Can Vote" and "This Girl Will Vote," and donates proceeds to organizations supporting girls' education, health, and rights worldwide.Why did Jacqui Fishman revive a 20-year-old business idea?Fishman had a portfolio of apparel designs that sat untouched for more than two decades. ...
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    42 Min.
  • How Do You Build a Financial Plan for Midlife Entrepreneurship? Cindy Morris on The Benson Agency and Women Who Changed the World
    Jul 14 2026
    Episode SummaryHow do you build a strategic financial plan for entrepreneurship after 40 — one that includes retirement savings, catch-up contributions, and a paid-off house? This episode answers that question through the lived experience of Cindy Morris, founder of The Benson Agency and Women Who Changed the World. Cindy walks through the difference between building a business out of necessity versus building one on purpose, why she interviewed 60–70 women before designing a four-year financial and career plan for herself, and how she budgets, saves, and recovers from a slow revenue year without losing momentum. She also shares why she deliberately practices failure — through an art class and a personal trainer — to build resilience as an entrepreneur, and why publicly and vulnerably sharing her journey on Substack matters to other women considering the leap into midlife entrepreneurship.Key TakeawaysA "necessity boat" and a "purpose boat" require different planning. Cindy built The Benson Agency out of financial necessity after leaving a 24/7 travel-industry career to raise her children; she is building Women Who Changed the World on purpose, with a defined four-year timeline and financial targets.Catch-up contributions matter for women who stepped out of the workforce. Cindy exceeds the minimum 401(k) contribution because years spent prioritizing family reduced her retirement savings window — a strategy she recommends to any woman planning a midlife financial catch-up.A four-year plan reduces the fear of a big transition. Rather than waiting until a deadline to plan, Cindy started building her financial and career runway four years in advance, using a detailed spreadsheet to track exactly how much she needs to save each month.Practicing failure builds entrepreneurial resilience. Cindy intentionally enrolled in an art class and hired a personal trainer — activities she is bad at — specifically to get comfortable with discomfort and failure before applying that resilience to her business.Asking "bigger" people for help rarely gets a "no." Cindy interviewed dozens of women she admired to build her plan and says not one of them declined to help — a reminder that reaching out to mentors and leaders is more accessible than most people assume.Guest BioCindy Morris is a nonprofit strategist, capacity-building expert, entrepreneur, and mother of two. She is the founder of The Benson Agency, a national consulting firm that provides behind-the-scenes operational and strategic support to nonprofit organizations, and the founder of Women Who Change the World, an emerging venture that teaches women to build strategic plans for their own lives and careers. Cindy previously served as Chief Advancement Officer at the American Society on Aging, where she worked for three and a half years after the COVID-19 pandemic temporarily closed her consulting practice. Earlier in her career, she held roles with major hospitality brands including Hilton, InterContinental, Four Seasons, American Express Vacations, and Aeroméxico. Cindy writes candidly about money, planning, and vulnerability on her Substack, Women Who Changed the World.Frequently Asked QuestionsHow do you create a financial plan for starting a business in midlife?Start by identifying a clear savings target and timeline — for example, a minimum retirement balance and a target date, such as having a home paid off or a set amount saved by a specific age. Build a month-by-month savings tracker, budget for a realistic average rate of return (Cindy uses 6%), and set aside extra income in the months it's available to cover leaner months ahead.How do you make up for lost retirement savings after stepping out of the workforce?Women who take time out of the workforce to raise children or care for family members often need to contribute above the minimum 401(k) or retirement contribution once they return to earning, since early-career years typically generate lower income and less time to compound savings. Setting a specific savings percentage above the standard minimum, and tracking it monthly, helps close that gap over time.How do you find new consulting clients when relaunching a business?Reach out directly to your existing professional network and say explicitly that you are available for work. Referrals from people who trust you — even those who have never worked with you directly — can lead to strong anchor clients. Securing even one solid anchor client can be enough to sustain a relaunch in its first year.How do you build resilience as an entrepreneur?Deliberately practicing activities you are not naturally good at — such as an art class or physical training — can build comfort with failure in a lower-stakes setting, which translates into greater resilience when facing setbacks in business, such as a slow revenue year.What is the difference between starting a business out of necessity versus starting one on purpose?A necessity-driven ...
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    36 Min.
  • How Do You Turn Perfectionism Into a Leadership Superpower After a Midlife Layoff? Kristen Harris on Building Her Own Boat
    Jul 9 2026
    Episode SummaryAfter more than two decades leading global technology teams at Oracle and serving as VP of Services at an AI-driven consulting firm, Kristen Harris was laid off at 55 — a moment that felt devastating even though she already knew the role wasn't right for her. In this episode, Harris explains why perfectionism isn't a flaw to "recover from" but a trait that high achievers can sharpen into a strategic advantage, and how surviving breast cancer while working full-time reshaped her relationship to risk, corporate health benefits, and what she was willing to sacrifice for stability. She shares the exact framework she now teaches leaders — from millennial managers to midlife career-changers — for identifying their "unfair advantage," building an informal personal board of directors, and taking the leap into entrepreneurship without having to build the perfect business before selling it.Key TakeawaysPerfectionism is not a pathology to fix — it's a leadership trait to refine. Research cited in the episode shows that roughly 85% of high achievers identify with some form of perfectionism, and Harris argues that trying to "recover" from it ignores a trait that, when understood, becomes a competitive edge.A layoff can feel devastating even when you already wanted to leave, because the loss of control — not the job itself — is often what's hardest to process.Health insurance fear keeps many capable women in jobs they've outgrown. Harris encourages women to research their real options (health exchanges, brokers, expert conversations) before assuming corporate benefits are their only path to coverage.Solopreneurs need a personal "board of directors." Instead of one formal mentor, Harris recommends building a network of trusted advisors — family, former colleagues, coaches, and even strangers met through networking — to replace the built-in support of a corporate team.You don't have to build the perfect product before selling it. Harris applies an agile, iterative approach to entrepreneurship: test an idea, sell it, and refine it based on real client needs rather than waiting for it to be flawless.About Kristen HarrisKristen Harris spent more than 20 years leading global technology and consulting teams, including roles as a director at Oracle — where her team delivered web platforms across nine languages for the entire company — and VP of Service Delivery at a software engineering and consulting firm, where she managed project delivery, resourcing, profitability, and quality at the leadership table. At 55, following a corporate layoff, she launched Kristen Harris Coaching, where she works with leaders and teams on leadership development, resilience, and what she calls "the perfectionist edge" — helping high-achieving, perfectionist-minded professionals turn that trait into a strength rather than something to apologize for. Harris is also a breast cancer survivor who continued working through treatment, an experience that reshaped her views on risk, stability, and building professional presence. She now serves as a cancer mentor through Imerman Angels, a Chicago-based nonprofit that connects cancer patients and caregivers with survivor mentors for one-on-one peer support.Episode HighlightsWhat it actually looks like to operate as a "critical cog" inside large tech and consulting organizationsThe pivot moment — six months before her layoff — when Harris realized her new role wasn't the right fitHow a breast cancer diagnosis changed her calculus around corporate stability, health insurance, and riskIdentifying your "unfair advantage" as a midlife entrepreneurWhy niching too narrowly can limit your audience — and what "anyone hungry to lead" really meansThe reality of feeling out of place at founder meetups full of 30-somethings, and what to do about itBuilding a personal board of directors instead of a formal mentor or corporate teamThe difference between adaptive and maladaptive perfectionism, and the "Parisian perfectionist" archetypeAn agile, iterative approach to building and selling a coaching businessPractical advice for the woman who is afraid to make the leap: check your dream, check your resilience, then goFrequently Asked QuestionsIs perfectionism a bad trait for leaders?Not according to Kristen Harris. She argues perfectionism only becomes a problem when it's unexamined. Roughly 85% of high achievers identify with some form of perfectionism, and rather than treating it as something to "recover from," Harris teaches leaders to identify their specific perfectionist type and channel it into strengths like precision, resilience, and high standards.Why do women stay in corporate jobs they've outgrown?Health insurance and financial stability are among the biggest reasons women delay leaving corporate roles to start a business. Harris recommends treating this as a knowledge gap rather than a fixed barrier — talking to insurance brokers, researching healthcare exchanges, ...
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    45 Min.
  • How Do Family Caregivers Build the Business That They Need? Anne Patton on Founding A Better Life and Our Back Office Colorado
    Jul 9 2026
    Episode SummaryWhen the school and disability-services systems couldn't give her son Chris — now 42 and living with autism — the life he deserved, Anne Patton built the infrastructure herself. In 2013 she founded A Better Life, a state-approved Program Approved Service Agency (PASA) that lets her bill Medicaid directly for Chris's residential, community, and employment supports, cutting out the 30–50% overhead that traditional agencies charge. Years later, realizing she wasn't the only aging mother running one of these agencies solo, she co-founded Our Back Office Colorado, a shared-infrastructure organization giving families of adults with disabilities peer support, succession planning, and collective bargaining power. This episode is a practical roadmap for any caregiver who has quietly been running a "business" — budgets, staff, compliance, hiring and firing — without ever calling it entrepreneurship.Key TakeawaysA Program Approved Service Agency (PASA) lets family caregivers become direct Medicaid providers — after background checks and state approval through Colorado's Department of Public Health and Environment, families can bill Medicaid directly for a disabled family member's care, avoiding the 30–50% cut that large agencies take.Caregivers of adults with disabilities are, in practice, running small businesses — payroll, hiring and firing staff, compliance, billing, and navigating shifting regulations (including COVID-era changes) — even when no one, including themselves, ever labels it "entrepreneurship."Shared infrastructure solves the aging-caregiver crisis — Our Back Office Colorado gives families of adults with disabilities pooled resources (succession planning, peer coaching, potential shared payroll/billing services) so aging parents aren't solely responsible for what happens to their adult children when they're no longer able to provide care.Succession planning is the missing piece for most caregiving families — most families never document a plan for their child's care because they're too consumed by day-to-day caregiving; existing resources tell families what to plan but rarely coach them through making it actionable.Lived experience is an "unfair advantage," not a liability — the most successful founders in this space, including Anne, solved a problem they personally experienced rather than one they observed from the outside, echoing broader research on what drives entrepreneurial success.About This EpisodeAnne Patton didn't set out to start a business — she set out to build a good life for her son. In this episode of Build Your Own Boat, Anne shares how advocating for Chris through Denver Public Schools, working in disability advocacy at Family Voices Colorado, and a frightening safety incident with a hired caregiver led her to found A Better Life, a Medicaid-funded service agency giving her — and Chris — direct control over his care team. She and host Janine Vanderburg trace the evolution from that first agency to Our Back Office Colorado, the shared-support organization Anne co-founded with other aging caregivers who were facing the same operational and succession-planning burnout. The conversation is a candid look at what it really takes to build a "business" out of necessity, love, and years of navigating bureaucracy — and why that makes Anne, and every caregiver like her, an entrepreneur in every sense of the word.About Anne PattonAnne Patton is the founder of A Better Life, a Colorado Program Approved Service Agency (PASA) providing residential, community, and employment services for her son Chris, who is 42 and lives with autism. A former banker turned disability advocate, Anne previously worked in finance and care coordination for Family Voices Colorado and the Chanda Plan Foundation, and has been active with the Arc of Denver and Advocacy Denver. Drawing on more than 40 years of lived experience navigating special education, Medicaid waivers, and home- and community-based services, Anne co-founded Our Back Office Colorado to give aging family caregivers of adults with disabilities shared infrastructure, peer support, succession planning, and a collective voice for policy change. Frequently Asked QuestionsWhat is a Program Approved Service Agency (PASA) in Colorado?A PASA is a Medicaid-approved provider designation that allows an individual or organization — including a family member — to bill Medicaid directly for a disabled person's residential, community, or employment support services, after passing background checks and compliance approval from the Colorado Department of Public Health and Environment.How can a family caregiver get Medicaid funding to support an adult child with a disability?Families can access Medicaid Home and Community-Based Services (HCBS) waivers once their family member turns 18, based on qualifying disability and support needs. Becoming an approved provider, such as through a PASA, allows the family to control ...
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    33 Min.
  • How Did a Tenant's Meth Contamination Turn a Banker Into an Entrepreneur and Public Policy Advocate? Kathi McCarty of Meth Toxins Awareness Alliance
    Jul 9 2026
    Episode SummaryWhen a tenant secretly manufactured methamphetamine inside Kathi McCarty's Colorado log cabin, she discovered that meth contamination in rental and residential properties is far more common than most homeowners, real estate agents, or insurance companies acknowledge — and that almost no legal or financial protections exist for victims. In this episode of Build Your Own Boat, McCarty, a 30-year veteran of residential real estate lending and retail banking, explains how that crisis became the foundation for her second-act business, the Meth Toxins Awareness Alliance. She walks through what she found on her own property, why standard remediation and insurance failed her, how she helped pass Colorado legislation (SB23-148) creating a public meth-contamination property database, and how she is now building a preventative product — a meth toxin smart alarm — plus a digital education course for real estate professionals, landlords, and homeowners. Her story is a candid, practical roadmap for any woman over 50 building an advocacy-driven business around a problem most people don't yet know they have.Key TakeawaysMeth contamination is far more common than the real estate industry acknowledges. After 30+ years in residential lending and retail banking, Kathi McCarty had never once heard meth contamination discussed as a real estate risk — until it happened to her own rental property.Standard remediation doesn't work for every property type. Because McCarty's home was a log cabin without interior drywall, the usual "gut it to the studs" remediation process wasn't possible, and the only approved alternative (chemical encapsulation) lacked long-term safety data.Property and tenant insurance policies typically exclude meth contamination and criminal-action damage, leaving homeowners financially exposed with no way to purchase additional coverage — a critical gap most owners don't discover until it's too late.Grassroots advocacy can change state law. McCarty testified before the Colorado General Assembly and partnered with then-State Senator Lisa Cutter to pass SB23-148, which created a public state database of meth-affected properties (in effect since August 2023).Building a market for prevention requires patience and reframing. Because meth toxin exposure is an invisible, unfamiliar risk, McCarty has had to position her work as a broader health, safety, and financial-legacy issue — not just a niche real estate concern — to get buyers, landlords, and professionals to pay attention.Bootstrapped, mission-driven entrepreneurs still need firm contracts. McCarty's biggest operational lesson: get commitments and payment terms in writing early, and don't be afraid to hold clients and collaborators to deadlines, even in "do-good" business relationships built on trust.Episode OverviewKathi McCarty spent more than three decades in residential real estate lending and retail banking across Southern California and Colorado. After a serious health event in 2016 led her to rent out her restored 1956 log cabin home, a tenant she had carefully vetted turned the property into a methamphetamine manufacturing site — contaminating it to nearly 240 times Colorado's legal limit.What followed was a crash course in an issue McCarty says the real estate industry almost never talks about: the legal, financial, and health fallout of meth contamination. She interviewed a dozen meth-testing and remediation companies, learned that her cabin's construction made standard remediation impossible, and ultimately had to sell the contaminated property rather than risk an unproven encapsulation process.That experience launched two parallel paths. First, advocacy: McCarty began offering continuing-education sessions for real estate professionals, eventually testifying before the Colorado legislature and helping pass SB23-148, a law requiring the state to maintain a public database of meth-affected properties. Second, entrepreneurship: she founded the Meth Toxins Awareness Alliance, now representing a tamper-resistant meth toxin smart alarm and developing a digital course to bring prevention education directly to landlords, investors, and homeowners — not just licensed real estate professionals.Throughout the conversation, McCarty and host Janine Vanderburg dig into the practical realities of building a mission-driven business: creating demand for a preventative product people don't know they need, navigating insurance and legal gaps, and learning to enforce contracts and payment terms without losing the trust-based relationships that make advocacy work possible.About Kathi McCartyKathi McCarty is the founder of the Meth Toxins Awareness Alliance, an educator, speaker, and citizen advocate working to close the awareness gap around methamphetamine contamination in residential and commercial properties. Before launching her advocacy work, McCarty built a 30-plus-year career in residential real estate lending and retail ...
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    34 Min.