Apply the 80/20 Rule to Your Relationships and Time

On Growth Notes, Frazier challenges loan officers to stop spreading themselves thin across every relationship and apply the 80/20 rule to how they spend their time. He argues that since 20% of efforts produce 80% of results, they should spend 80% of their time deepening relationships with the top 20% of people—such as top producers, key referral partners who send business and trust them, and mentors they want to learn from—rather than chasing every opportunity. He emphasizes being intentional and strategic without cutting people off, noting that proximity to high performers shifts thinking, standards, and results. He ends with a written exercise: identify the top 20% of people to learn from and assess how much time is actually being invested in them, reminding listeners to protect time as their most valuable asset and make moves their future self will appreciate.

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Invest in Yourself: The Best Tool in Your Business

Frazier opens Growth Notes by sharing that he is adding a video element while continuing the podcast on Apple and Spotify. He emphasizes the often-overlooked idea of investing in yourself—not by buying courses you won’t finish or joining coaching programs you abandon, but by consistently and intentionally becoming a better version of yourself. He argues there is no downside to increasing your value because skills, books, challenging conversations, podcasts, and pushing through hard things compound like interest, rewarding those who start early and stay consistent. Frazier challenges the belief that self-improvement should wait until life slows down, stating that you improve so things don’t have to. He explains that becoming more valuable increases your ability to help clients, partners, teams, and family by solving harder problems and showing up with more confidence. He closes by asking what listeners are doing right now to invest in themselves, reminding them that the best tool in their business isn’t a rate sheet or systems—it’s them.

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The Past Is Not a Place to Live

In this Sunday message, the speaker urges listeners to stop letting the past hold them back. They acknowledge common setbacks—lost deals, bad production months, failed relationships, bad managers, and companies that overpromised—but emphasize that the past is only for learning, not living. Replaying what went wrong creates emotional weight and an opportunity cost by keeping people from taking today’s actions that build success, such as closing loans, building relationships, and calling their database. The speaker encourages reverse-engineering lessons from past experiences, leaving the rest behind, and choosing not to let previous events write the story of what comes next: acknowledge it, learn from it, then put it down and move forward.

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