Transcript
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You know what I'm really over? Fees. Concert ticket fees, cleaning fees on weekend rentals, a processing fee for existing. It is endless. And the worst part? These fees hit hardest when you're already trying to get ahead. Fees are everywhere and they hurt you most when you're down. That's why Chime offers fee free banking, which means no monthly fees, no overdraft fees, and no minimum balance fees. I once got hit with a $15 maintenance fee just because my account dipped below the minimum bal for a single day. I wasn't overspending, I was just timing my rent payments around payday. That fee felt like a big penalty just for budgeting. But with Chime, I wouldn't have gotten charged for not being rich yet. No minimum balances, no hidden fees, just breathing room when I actually would have needed it. It is so simple. Banking should not cost you money. And with Chime, it doesn't open your account in two minutes@chime.com Help Wanted Chime feels like progress.
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Chime is a financial technology company, not a bank. Banking services and debit card provided by the Bancorp Bank NA or Stride Bank NA members, FDIC spot and eligibility requirements and overdraft limits apply. Timing depends on submission of payment file. Fees apply at out of network ATMs, bank ranking and number of ATMs, according to U.S. news and World Report 2023 Chime checking account required.
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This is Help Wanted, the show that makes your work work for you. I'm Jason Pfeiffer, editor in chief of.
A (1:26)
Entrepreneur magazine, and I'm money expert Nicole Lapin. I'm On Tuesdays, Jason and I answer the helpline and help callers solve their work problems.
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And on Thursdays, I give you one way to improve your work and build a career or company you love.
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And it starts now.
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You're trying to understand something, but you're stuck. Maybe it's a problem at work, or a decision you need to make, or an idea you can't quite articulate. You've been thinking about it a lot, but clarity is elusive. So here's my advice. Don't think alone. Your brain is not designed to figure things out in isolation. It's designed to understand things through conversation with others. So lean into that. Today, I'm going to show you why and how to gain clarity more strategically and intentionally. But first, here's how I stumbled upon this idea in the first place and how you were a part of it. So here's the story. A few weeks ago, as you might remember, I did a podcast about how to solve tricky problems. And I taught you an idea that I call list before you leap. To explain the concept, I told a story from home. Here's a quick recap in case you didn't hear that episode. So my son had a problem with his friends and my wife and I were trying to figure it out. And I said to her, let's list every possible solution. So I started listing options, but on the first one she interrupted me and said, no, that solution won't work, and here's why. And then, you know, I said, no, no, no, let's just keep listing. And then I said the second one, here's an idea that we could do. And she would say, no, no, no, that's not going to work. Eventually I said, look, let me explain my process. I want to list every option that we can think of first and then start narrowing them down. So we're going to list first, and then we will figure out which of these options is actually correct. Why? Because when we evaluate options individually, it is easy to say no and move on to the next one. We always just think, ah, there's a better one coming. But when we see all the options at once, I explained to her, we force ourselves to pick one, even if it's imperfect. All right, that is something that I shared on the podcast a few weeks ago. Now, here is what I did not tell you at the time. I have been using that problem solving strategy for years, but I had never actually thought about why I do it. It was just a thing that I did. And yet, when I explained it to my wife, I finally gained clarity on my own actions. I came to that explanation of why it worked, something I didn't have before. And that is not a coincidence. I'm currently reading a book called the dawn of Everything A New History of Humanity. And this passage really floored me because it explained so much. Here's from the book I'm just going to read a little bit. Neuroscientists tell us that we spend the overwhelming majority of our time effectively on autopilot, working out habitual forms of behavior without any conscious reflection. When we are capable of self awareness, it's usually for very brief periods of time. The great exception to this is when we're talking to someone else in conversation. We can hold thoughts and reflect on problems, sometimes for hours on end. This is of course, why so often, even if we're trying to figure something out by ourselves, we imagine arguing with or explaining it to someone else. Human thought is inherently dialogic. Ancient philosophers tended to be keenly aware of this. That's why, whether they were in China or India or Greece, they tended to write their books in the form of dialogues. Humans were only fully self conscious when arguing with one another, trying to sway each other's views, or working out a common problem. Alright, that is the passage again from the book the dawn of Everything. And and when I read that, I thought, holy crap. First of all, what a cool explanation for Socratic dialogues. But more importantly, now that we know this, we shouldn't leave dialogue to chance. It's time to stop thinking alone. Let's say you're stuck on a problem. Instead of being frustrated, you need to get your brain into dialogue mode, which means you need an audience. Here are three options things that I love to get myself into Dialogue Mode Option number 1 Find an explanation buddy. Find someone who's a great listener and who engages with big ideas. Or better yet, build a whole menu of these people. Because everyone has different strengths. And here's the best way to start that relationship. Volunteer to be someone else's explanation buddy first. I often tell friends, if you need to kick ideas around, just reach out. It is a great way to build strong connections. I mean, I often become closest with the people who take me up on it and I know that they will always return the favor. Here's Option number two Voice Memos in person talks are best. Phone calls work too, but honestly, sometimes all you need is to record a voice memo for someone. I do this regularly. I'll be stuck on an idea and then think of a friend who it would resonate with. And then open my voice memo app and just say hey, I have an idea. I need to think out loud, so tell me what you make of this and then I'll just talk for a few minutes and text the recording to them. Sure, I suppose I could just talk out loud to myself, but the voice memo puts my brain into dialogue mode, which helps me gain clarity faster. And their responses are always helpful. Option number three Start writing more. I'm not alone in saying this. Writing helps me think. For example, when I write my newsletter, which is called One Thing Better, and this podcast episode that you're hearing. In fact, every episode on Thursday at Help Wanted is drawn from my newsletter. One Thing Better. When I write One Thing Better, I usually start with a simple idea and I have no idea how I will expand upon it. And then I imagine explaining it to one single reader. Maybe it's a friend who's going through a problem or a stranger who recently emailed me. I Imagine them asking, how does that work? Why is that useful? What happens next? And this helps me craft the idea. Don't have a newsletter. No problem. You could start one or just post explanations on LinkedIn or start journaling, which could become the raw material for something else. There are surely many other ways to create dialogue, and if you have some, feel free to reach out to me. But the point here is answers don't come from a blank screen or a silent room. Your brain is an inherently social organ, and it works best in dialogue with other brains. So now that you know that, find someone else's brain and use it. And by the way, I mentioned that this, like all the Thursday episodes, comes from one thing better. If you want to get one thing better, well, how do you get one thing better? Well, I'm so glad you asked. In dialogue mode, the way that you do it is that you go to OneThingBetter Email. That is a web address, plug it into a browser, OneThingBetter Email, and then you can read it. And then you can have a imaginary dialogue with me. Or better yet, go find a friend and talk about it. Help Wanted is a production of Money News Network. Help Wanted is hosted by me, Jason.
