End It Like You Mean It

The Last 90 Days: End the Year Like You Mean It! 🔥

"Start strong, finish stronger." — Robin Sharma

What an incredible day at Crater Lake National Park! We hiked the Garfield Peak Trail—3.5 miles with 1,200 feet of elevation gain, peaking at 7,800 feet. What a view!!

As we climbed the last quarter mile, there was a false summit where we got a pretty good view of the lake. I looked up the trail and I saw a couple scrambling to the top which still had another 300 feet or so of elevation gain, and I thought to myself, I'm tired... maybe this is good enough. Should we just turn around here?

Then a thought hit me—this moment is a lot like where we are in the year. We're in the last 90 days of 2024, and we have a choice: we can push all the way through December, or we can slide into 2025 feeling regretful about what we didn’t finish.

The truth is these next 90 days can set the tone for your next year. Why wait until January to start becoming who you want to be? How you end the year matters! The habits and mindset you cultivate now will carry you into 2025 with momentum. So, let’s stop waiting for January 1st. Start now, with the same discipline and energy you’d bring to a New Year’s resolution.

These 90 days can absolutely change your life if you let them.

I’m inviting you to join me in the Last 90 Days Challenge: 5 to Thrive. It’s all about creating momentum and positive change before the year is over.

Last 90 Days Challenge: 5 to Thrive 🌟

These five habits can help you finish the year with focus and energy:

Morning: Get up 30 minutes to 1 hour earlier
- Spend the first 15-30 minutes in quiet time (meditation, journaling, or reading). Then use the next 15-30 minutes to move your body—whether it’s a workout, stretching, or a brisk walk. This one hour can transform your entire day.
Move: Workout for at least 30 minutes daily
- Moving your body is non-negotiable. Whether it’s the gym, yoga, or a walk, commit to 30 minutes of movement every day. You don’t need intense workouts—just move and see how it boosts your energy and mood.
Food: Build a healthy eating habit
- Pick one food habit to focus on. Whether it’s cutting out sugary drinks, reducing calories, or packing a healthy lunch, make sure it's trackable and sustainable.
Work: One professional habit
- Commit to one professional habit that will help you prepare for 2025—whether it’s making sales calls, networking, or daily planning. First quarter is always a lull in the mortgage industry, so get ahead now and hit the ground running in January.
Spirit: Practice gratitude or spiritual grounding
- Take time each day to connect with something bigger than yourself. Start a gratitude journal or establish a spiritual practice. Reflecting on what you're thankful for can be a game changer for your mindset.

There’s no promise for tomorrow, but you can make progress today. Small, intentional actions build momentum over time. These five habits will not only help you survive the end of the year—they’ll help you thrive. If five feels overwhelming, start with just one or two!

Ready to Take the Challenge?

Don’t wait until the new year to start new habits. The last 90 days can be transformative if you show up with intention and discipline.

Grab a partner to work through the challenge with you—check in daily on your progress and keep each other accountable. If you don’t have a partner, drop me a note, and I’ll be your accountability buddy. Let’s crush these last 90 days!!!

Finish strong!

Tools to track you last 90 days: LINK

Notes that Resonated

Doing the Boring Basics will get you 95% of the way there

Perfectionism: It's the enemy and an oppressor.

Shitty First Drafts: All good things begin with terrible first efforts. You need to start somewhere

Making a Change: Overcompensate to compensate

“To make a change, most people don’t do enough.” - Derek Sivers
To make a change you must tip the scales to the other side

Action makes the goal: A great goal isn’t about tomorrow

A great goal changes your actions and your behavior today.
A great goal pulls you to do something different now!
If your goals don’t change your action today, if they don’t push you to change your behavior…. Find a new goal that excites you and creates action today!

Quiet your mind: Through Morning pages or daily journal (Julia Cameron, The Artist’s Way)https://a.co/d/asXcQ0T

Silence the “banshees and drunken monkeys” in your brain by getting the words on paper.
Brain Dump: Writing in a free-flow manner gets all your cluttered thoughts, distractions, and worries out of your head. This clears mental space and helps you organize and get on track for the day
Unlocking Creativity: When you clear out the mental noise, your mind becomes more open to new ideas and connections.
Tracking Progress: It’s a way to track mental, emotional, and even spiritual progress over time. You can look back on previous entries and see how you’ve grown, or which thought patterns keep repeating.
Goal Setting and Motivation: Writing down goals, affirmations, or things you are grateful for can energize your day and focus your mind on what matters.

Things to read

Top Quotes

"Hope begins in the dark, the stubborn hope that if you just show up and try to do the right thing, the dawn will come. You wait and watch and work: you don’t give up.” Bird by Bird
"Perfectionism is the voice of the oppressor, the enemy of the people. It will keep you cramped and insane your whole life.” - Anne Lamott
“But by the grace of God I am what I am, and his grace in me was not without effect. No, I work harder than all of them- Yet not I, but the grace of God that was within me.”