Mental Post-Its

Thoughts, Notes, and General Mental Mayhem


Leave a comment

Catalyst Conference Notes & Quotes

catalyst-nametag-and-bookI believe this was my 12th year to attend Catalyst Conference here in Atlanta. It’s a great time of learning about Christian leadership, as well as seeing old friends. And, yet again, there were some great moments this year.

Andy Stanley, Senior Pastor of North Point Ministries

  • Jesus didn’t predict a place. He predicted a people. We are very different, but have Jesus in common. they were the same.
  • John 17:20 – that they may be one (which is uncommon fellowship = theme)
  • Disunity disrupts the mission.
  • John 12:34-35, final instructions
  • Unselfish love fuels uncommon fellowship.
  • Mutual submission is the most powerful dynamic in the world.
  • If we miss the love thing, it doesn’t matter what else we might get right.
  • Uncommon = uncomfortable
  • Acts 15 takes place 20 years after the resurrection, and they are still having trouble including Gentiles.
    • One of the most important chapters in the Bible for us to understand.
    • Oneness has to win the day.
    • Immorality tears down unity. Eating is a consideration
    • 600 laws were narrowed down to two so they could participate
    • Jesus sacrificed his life so you could have uncommon fellowship with God. – Romans 5-6

Mike Foster, Founder of People of the Second Chance

  • Just because you made a mistake doesn’t mean you are a mistake.
  • Being able to identify with someone is a powerful thing. “Me too” brings healing to brokenness.
  • We are not defined by our brokenness. We are defined by God’s unfailing love.
  • Romans 9:25

Jen and Brandon Hatmaker, Authors and Humanitarians

  • We have to be willing to go into the hard spaces.
  • We are either in this world for it, or so set apart that we have no voice.
  • I would like to spend less time defending my voice, and more time being like Jesus.
  • The work of justice is not easy. You will be criticized and it will cost you. But it’s worth it.
  • Many of us pray for the Kingdom over and over, but we aren’t willing to make Kingdom moves. – B
  • We need to move from defending God to declaring Hm. – B
  • We need to focus on being good neighbors, and love well. – J

Craig Groeschel, Founding Pastor of of Life Church

  • We have a common enemy, and it is not the church down the street.
  • John 17:20-23
  • We desperately need each other.
  • Unity is not uniformity.
  • We should err on the side of being “for” not “against.” Build your ministry on this.
  • We should give everything we are to strengthen others.
  • We all have something we can give.
  • Lead the way with irrational generosity.
  • We need to love like Jesus loved.
  • I believe the world is sick and tired of hearing about the love of Jesus. I believe they want to see it in action.

Father Edwin Leahy, Headmaster of St. Benedict’s Preparatory School

  • Give up what you want for what WE need.

Brian Houston, Senior Pastor of Hillsong Church

  • It should be an adventure living with, and serving, Jesus.
  • Spontaneity is our friend in the Church.
  • Innovation doesn’t come from sitting and pointing a finger.
  • Criticizing breaks down. Let’s build.
  • Predictability can also be a friend. Example, the word of God is timeless.

Brenda Salter McNeil, Director of Reconciliation Studies at Seattle Pacific University

  • Acts 10: 28-35
  • The Civil Rights movement was born in the Church. #BlackLivesMatter was born in the streets. Why won’t you let it into the Church?
  • We have got to reclaim the credibility of the Church for the next generation.
  • Black Lives Matter is a catalytic event that can be an opportunity for the Church.
  • Catalytic moments are a wake up call.
  • Catalytic events make us ask questions.
  • Look for your invitation into uncommon fellowship.
  • God takes our feeble attempts and uses them anyway.
  • What God wants from us, He wants for them.
  • Scarcity thinking builds walls.
  • God wants all people to flourish.
  • May the generation looking for leadership find it in the Church.

Scott Sauls, Senior Pastor of Christ Presbyterian Church*

  • The closer you get to the “other” the closer you’ll get to Jesus. This is a New Testament theme.
  • The hope of the universe rests on an Arabic man who was an outcast and never spoken English.
  • I am the minority Jesus included. (He’s white.)

Propaganda, Hip-Hop and Spoken Word Artist*

  • It’s hard for the dominant cultures to see themselves collectively, and the hurt of individuals you are different from them.
  • You can’t subjugate other image-bearers. to do so, you must assume they are less than human.
  • Implicit biases assumes you already know me without really knowing me.

Soong-Chan Rah, Professor of Church Growth and Evangelism, North Park Theological Seminary*

  • Colorblindness assumes equality is already at play.
  • Colorblindness removes our individuality. It reduces everyone to the majority.

Mark DeYmaz, Lead Pastor of Mosaic Church*

  • The statistics show us that whites are becoming the minority.
  • If there is no division in heave, why are we allowing it here on Earth?
  • Surely it breaks the heart of God that the Church is segregated by race and class.
  • Jesus had power, privilege and position…and He set it down.

Jenny Yang, Vice President of Advocacy and Policy at World Relief*

  • The conversation of race is really about power.
  • There is a lot of pain in the people of color cultures that churches aren’t necessarily addressing.
  • They aren’t just issues; they are individuals.
  • American comfort and prosperity in large has been built on the back of the marginalized and people of color who had no rights.
  • By welcoming the “other,” we are demonstrating the gospel.
  • Any time we pursue our own comfort and prosperity over the needs of others, we are doing a disservice to the gospel.
  • Charity removes relationship with those who make us feel uncomfortable.
  • When we talk about refugees, this isn’t a test of our politics. It’s about what we believe the gospel says.

Rachel Cruze, Daughter of Dave Ramsey

  • Quit the comparisons.
  • Being grateful squashes comparison.
  • The road of comparison leads to debt.
  • Debit limits generosity.
  • Where there is no margin, there is no ministry.

Simon Sinek, Best-Selling Author

  • Leadership is not about being in charge. It’s about taking care of those in your charge.
  • Time and energy are the most vulnerable things you can give to others.
  • Great leaders have empathy and perspective.
  • Patience is required for the journey.
  • We have an entire section in the book store on self help, but not a “help others” section.
  • Organization health always results in sustained impact.
  • In a healthy org, everyone is convinced that everyone is essential.
  • You begin becoming a great leader RIGHT NOW.
  • Why are we doing? Why are we doing it? Where do I fit in?
  • Everyone knows what THEY are doing but do they know what WE are doing?
    • When everyone knows what we are doing together, most decisions are pre-made.
    • Going through this process is sometimes more valuable than the product.
  • “Why” is the inspiration.
  • Memorable is portable.
  • How does what I do contribute to what we do?
    • This is about the responsibility you carry, not the work you perform.
    • Everyone at your org needs to know your answer.
    • Develop one sentence responsibility descriptions for your direct reports.

 

*These folks were all part of a panel. It was my favorite session in the main conference, and you can watch it right here.

And if you just want some fun moments and entertainment, you can watch Jon Crist’s videos…


Leave a comment

Watch The Orange Conference Live Stream!

OC16_FBcov

Next week, the company I work for, Orange, will be hosting The Orange Conference 2016 for over 7,000 of our closest friends in family ministry! If you can’t join us here in Atlanta, we’d love to have you participate from wherever you are…by way of the Live Stream!

You’ll be able to see on- and off-stage action, including select main sessions, speaker interviews, witty banter, poignant thoughts, new resources and plenty o’ giveaways—maybe even win a ticket to OC17!

Be sure to RSVP for the Live Stream for additional information and special offers. But you can watch at live.theorangeconference.com directly if you don’t want to RSVP. And I’ve heard that Wednesday night’s opening session (7:30 p.m. ET) is going to be amazing!

And just in case you won’t be glued to a monitor on Wednesday, Thursday or Friday, you can also watch on the go through our iPhone App.

Hope you can tune in!


1 Comment

Catalyst: Favorite Notes and Quotes

CatalystAndy Stanley, Senior Pastor of North Point Ministries

  • Theology is what you believe. Ministry is what you do as a result of what you believe.
    • Ministry should change all the time, but not theology.
    • If you have bad theology, it will narrow what you minister to.
    • Jesus had perfect theology, and yet there is no one He wouldn’t minister to.
  • Churches who get this, and Christians will always be attractive to people.
  • To awaken the wonder of the world to the wonder of the church, we should take our cues from: Something Jesus said, something said about Jesus, something Jesus said without saying it, and something Jesus didn’t say.
  • Something said about Jesus: He embodied grace and truth. (John 1:14, 17)
    • Jesus never dumbed down the truth and never turned down the grace.
    • The grace/truth tension requires that we present the ideal while embracing what’s real.
  • Something Jesus said without saying it: Distinguish theology from ministry. (Matthew 9: 9-13)
    • Distinguishing between theology and ministry liberates ministry without compromising theology.
    • When churches fail to distinguish between theology and ministry, ministry becomes rigid and idealistic.
  • Something Jesus didn’t say: Never give up influence unnecessarily. (Luke 20:1-8)
    • Never make a point at the expense of making a difference.
    • Think twice before answering a question that has the potential to burn a bridge or close a door.
  • Something Jesus actually said: Love your enemies. (Matthew 5:43-45)
    • Objection: But didn’t Jesus say we should be concerned about people speaking well of us? No, of Jesus.
    • Think about the groups that would usually push back against your local church. How can you love them?
  • Conclusion:
    • Teach the ideal and embrace what’s real.
    • Teach your teams to distinguish between theology and ministry.
    • Never give up influence unnecessarily.
    • Identify your potential enemies and love them.

Dr. Brene Brown, Best-Selling Author

  • Leaders, know that you will fall a some point.
  • 3 ways to manage shame: move away, move toward and move against
  • When something hard happens to us, emotion gets the first crack at handling it and making sense of it.
    • As much as we think we are thinking beings, we are emotional beings.
  • The brain is hard-wired for survival.
    • The brain wants a story to make sense.
  • Both brains and hearts respond to stories – logically and emotionally.
    • The brain rewards us even if the truth is ambiguous. It just needs the logic of a narrative. Vulnerability and uncertainty are the enemy.
  • Getting through hard emotions well:
    • Try to recognize when they’re triggered by emotion.
      • You can’t create an innovative, loving landscape without understanding emotion.
      • You must have a high capacity for discomfort.
      • You need an understanding of your own emotional landscape, as well as the landscape of your people.
    • Good leaders are mindful and breathing.
      • Mindfullness =  paying attention, pray
      • We are better at inflicting pain than dealing with our own.
    • Rumble with the story we’re making up.
      • SFD (Shitty First Draft) – We don’t need shame about being human.
      • Consider writing immediate thoughts to help you deal. it’s telling what comes to mind first. It helps you deal.
      • In the absence of data, we make up a story, but we need to get the facts straight!
      • When you own your story, you get to write the ending. If you don’t, it owns you.
      • “The story I’m telling myself right now…” is the conversation you have with a person you have a conflict with. Let them clarify.
    • If you’re not falling, you’re not being brave enough.

Trip Lee, Award-winning Hip Hop Recording Artist and Author

  • Use music to celebrate God. (Exodus 18)
    • We are always standing on the other side of the Red Sea.
  • Use music to express pain and frustration.
    • We do not have a cold, dead Bible that doesn’t understand human experience.
    • We do not have a God that can’t handle our pain and suffering.
  • Use music to teach and encourage.
  • Use music for joy.

Margaret Feinberg, Author

  • Religious familiarity breeds unholy cynicism.
  • Isaiah 29: 13-14
  • Joy is the weapon we use to fight life’s battles. How will you respond to bad situations?
  • Rejoice when it makes no sense.
    • Rejoice in the Lord always, and again, I say rejoice.
    • Do it one square inch at a time.
    • Proclaim to the darkness that it will not win!
  • Remain suspicious that God is up to something good.
    • Joseph’s story.
    • Good things still came from Margaret’s cancer.
    • When we search for the goodness of God, we will find it.

Erwin McManus, Founder of Mosaic Church and Author

  • What makes us uniquely human? Hebrews 11
  • Faith restores our humanity.
  • We are only species that can live beneath our intention.
  • we seem to have more confidence is what we have, than what we hope for.
  • Hope only exists in the future. We are created for the future.
  • we need to move beyond enlightenment to living in the Light.
  • The question is not if you will create, but what kind of future you will create.
  • You are living in a future someone else dreamed of.
  • You can only create outside of you what is reflected inside of you.
  • The imagination is the playground of God.
  • What fear is God trying to eat away in your soul?
  • Dream. Risk. Create.

Louie Giglio, Pastor of Passion City Church and Lead Visionary of Passion Movement

  • God doesn’t call people to job descriptions. He calls them to Himself and His purpose in the world.
  • “Here am I, send me.” (main scripture reference)

John Maxwell, Leadership Expert

  • Success is about us, significance is about others.
  • To live a significant life, you must be intentional.
  • value people, believe in people and unconditionally love people.
  • You’re going to either read or write your own story. Be intentional, or something will write yours for you.
  • Move from good intentions to good actions.
  • Once you’ve listed significance, success will never satisfy.
  • Everyday:
    • Value people
      • Are we going to connect with people, or correct them?
    • Think of ways to add value to people.
      • Think on the front end, not on the back end.
      • Prepare or repair.
    • Look for ways to add value to people
      • Then evaluate your day, every day.
    • Do things that add value to people
      • You must act on your good intentions.
    • Encourage others to add value to people
      • Start a movement.

Christine Caine, Founder of The A21 Campaign, Propel and Author

  • It’s easy to ignore suffering when its nameless and faceless. (Genesis 50:20)
  • Numbers 13:1 (Sending spies to Canaan)
  • How you seem in your own eyes can also be how you look to others. (grasshoppers)
  • You can miss the miracles of God because of your perspective, even when you’re in the midst of it.
    • 10 people delayed a generation’s destiny.
    • Your perspective can shape the destiny of others.
  • God’s not obligated to finish what you start.
  • God wants to do amazing things. If you don’t want to be a part of it, get out of the way.
  • Joshua and Caleb weren’t any more gifted than the others, they just had more perspective and faith.
  • We need a world of hope and purpose, and that only comes through Christ.
  • The question is “how” we’ll take the land, not “if.”
  • Impossible is where God starts.
  • Do not limit God’s power by the size of your giant. They were holding the fruit, but focused on the giant.
  • If you are good enough, smart enough, or talented enough, you don’t need God anyway.
  • Some of you are praying for miracles, but refuse to put yourself in a situation where God will perform one.
    • We ask God for signs, wonders and miracles, but refuse to go into circumstances where we need them.
  • God’s promises are bigger than the problems.

Chris Brown, Nationally Syndicated Radio Host

  • Wonder often gets chucked out by familiarity, and distraction.
  • Gratitude is the key that unlocks wonder. We keep it with generosity.
  • As leaders, we should proactively create wonder in others.
  • “We make a living by what we get. We make a life by what we give.” – Winston Churchill

Guy Kawasaki, Author, Chief Evangelist of Canva

  • Great innovation occurs when people decide to make meaning.
  • Make a mantra.
  • Jump the next curve.
  • Most orgs define themselves by what they currently do, it’s forward thinking we need.
  • Roll the dice.
    • Anticipate.
    • The best products are deep (multi-faceted) and intelligent and complete and empowering and elegant.
  • Don’t worry, be crappy.
    • It doesn’t have to be perfect. You’ll never finish.
  • Let 100 flowers blossom.
    • In the beginning, you can’t predict everything, including your audience.
  • Polarize people.
    • Great causes, churches, people, etc, polarize people. Not everyone’s going t like it. The worst case is that people don’t care.
  • Church, baby, churn.
    • There has to be a next version.
    • Then listen to the feedback.
  • Niche thyself (the key to marketing)
    • Be unique and add value
  • Perfect your pitch.
    • You have to sell it.
    • Customize your intro.
      • 10 slides is enough, 20 minutes, 30 point font with a black background
  • Don’t let the bozos grind you down.

Neil Blumenthal, Co-Founder and CEO of Warby Parker

  • Innovation often comes out of constraint.
  • Fail first.
  • De-risk the process in small steps.
  • Details are important.
  • Incremental progress.
  • Help others find their passion.
  • Help others identify their strengths.
  • Spur their creativity by setting expectations and constraints.
  • Innovation requires a deep examination of the problem
  • A million small steps lead to a big solution.

For my notes on Labs, click here.


Leave a comment

Leadercast Conference Highlights

The Brave OnesLast Friday I attended Leadercast for the first time. I looooove being at conferences, and was especially excited to be a newbie at this event. The funny thing is that I was there at the same Arena just a week earlier for my company’s conference. But it was really cool to see how differently they used the space, and what they had going on that we could learn from.

The theme, “The Brave Ones,” was awesome and inspiring. It was definitely what I needed to hear right now, and I was also excited to share it with friends who came to mind as I sat there in my seat.

Here are some of my takeaways. I hope they can help you to be more brave too.

Andy Stanley

  • Bold leadership isn’t just for bold, fearless, super-talented or ultra smart people. Bold leaders have clarity, focus, be stubborn and stay resourceful.
  • Bold leadership is the clarity around an unreasonable commitment to what should be.
  • Bold leaders refuse to be cowed by “how.” You can “how” an idea to death.
  • Ask yourself this question from Joel Backer’s book, Paradigm, ” What do I believe is impossible in my field, but would fundamentally change my business or industry?”
  • Think about Nehemiah. His work was almost interrupted by a meeting. But he said, “I am doing a great work and I cannot come down.”

Bill McDermott

  • Don’t obsess over your competition. Obsess on the areas they can’t or won’t cover. Do it better.
  • Trust is the ultimate currency.
  • The best part of you is you—your uniqueness.

Commander Rorke Denver

  • Limit your field of view and you’ll actually see more.
  • Make bold corrections.
  • Bravery doesn’t have to be a solo experience.
  • Choose the amount of work you’re going to take on wisely.
  • Don’t avoid the pain. Bravery is there. Lean into it. It’s a growth opportunity.

Malala Yousafzai – THIS is who I came to see, and she didn’t disappoint!

  • This war will be fought with books and pens, not swords and guns.
  • I still believe in a happy ending.
  • If I didn’t speak out, I thought I might have to live that way forever.
  • Don’t wait for the fight to be taken up by someone else. Why not you?
  • In every field of life we find brave people. Bravery has no limit.
  • It’s your duty to speak up for what’s right or just.
  • We are all living here together. We must think of others as brothers and sisters. We must speak up from all sides.
  • We can all make a better world. Everyone has a role to play.

Peyton Manning

  • If you wait for someone else to make the change, you are a follower.
  • Learn to thrive on uncomfortable situations.
  • Invest in a coach.
  • Set personal goals that contribute to the team’s overall success.
  • Understand the power of your influence, but realize your accomplishments are never made alone.
  • Surround yourself with people who will give you honest feedback.
  • Earn your platform.

Seth Godin

  • Bravery isn’t just for other people. It’s for us too.
  • We don’t need people who copy. We need people who create.
  • To make art, you must be all in.
  • When Gutenberg launched the press, the illiteracy rate was 93%. He didn’t wait until he had a market for it. He had a dream that he pursued.
  • It’s always too soon. We can be prepared, but we can never be ready.
  • We can make change, but we can’t change everyone.
  • Change creates: Tension, obsession, connection, direction and compassion.
  • Treat every opportunity like its your last.
  • Do work that matters.
  • Own your unreasonableness.

Ed Catmull

  • Creativity is the process by which we solve problems.
  • Focus on the dynamic of the team, not the ideas.
  • Create shared ownership.
  • Give good and honest notes.
  • Failure is necessary for something new.
  • To be successful, you must be wiling to take the first step.
  • Creative people usually discover their talents over time, by continually being wiling to take the hard problems.

Aja Brown

  • Bravery is a decision to live not just exist. Brave leaders just make the decision and do what needs to be done.
  • Peace is one of the most powerful things that cannot be bought.
  • Brave leaders ask the basic question, “If not me, who?”
  • Be brave enough to believe in a different future.
  • Brave leaders overcome the fear of failure. It’s not that brave leaders never fail, it’s that they never quit. the worst case is not failure, but it’s living in the invisible prison of fear.
  • Elevate your expectations in order to elevate your organization. If your team lacks momentum, elevate your vision.
  • Dream a vision that’s too big for you to achieve by yourself.
  • Brave leaders serve for the purpose, not the praise.

Rudy Giuliani

  • One of my rules of leadership is to always go to the scene of the incident.
  • People who succeed have strong beliefs and big ideas.
  • To be a leader, you have to be an optimist. Be a problem solver. Every problem may not have a solution, but every problem comes with perspective.
  • To be a leader, you have to have courage. If you’re not afraid, something is wrong with you.
  • Relentless preparation takes the fear out of leadership.
  • Teamwork—it’s never about you.
  • If you want to be a leader, you have to communicate. People cannot know what you think and want. You have to tell them, and you have to tell them again.


4 Comments

My Word for 2015

466850191Well, 2015 is officially underway! Can you believe it! I work in event marketing, so we’re always a year ahead on the calendar. But nevertheless, when said year shows up on my doorstep, it still seems pretty surreal.

The New Year means a lot of things to a lot of people: new goals, new diet, new budget, etc. For me, one thing is always consistent. It means a new “word for the year” or theme. I love everything “new” (and a theme) so it’s always an exciting time for me to choose my new word. I usually start thinking about it sometime in November.

My word for the year is a very cherished tradition. My friend Daron had the idea to take a word and use it as a lens to view your year. Post where you can see it regularly, and it helps guide you navigate each day. This way you can look at a year proactively, instead of coming to the end of the year and only reacting to what happened. You engage your year more along the way. So a group of my friends and I have done this for years, sharing our word and accompanying Bible verse, checking in with each other throughout the year to see how it’s going, and then evaluating at the end. It has changed my years!

For 2015, I had an idea in mind, but couldn’t quite figure out how to articulate it. I came up with the word in December, but I had to let it marinate for a while to see if I’d keep it or find something more suitable. But as the end of the year came to an end, it seemed a good fit. And that word is FRAME.

Weird, huh? Yeah, I thought so too. It was out of the ordinary for me. I always try to pick a verb because I like the notion that it keeps me in motion, moving forward. But FRAME allows me both a verb and a noun—a two-for-one kind of word!

The original idea came from the concept of “margin” which I’d loved since my friend Mark retaught an Andy Stanley sermon series on the subject years ago. Create space, or boundaries, around things like time, money and relationships to allow for a buffer when the space is pushed beyond what you’re comfortable with. It’ll help you bounce back, or not make decisions you’ll regret. That’s kind of a lousy explanation, but hopefully you get the gist. So, “margin” became part of my group’s vernacular. It’s something I’ve since striven for, with sometimes good and sometimes not so good results. But I keep trying!

This past year really pushed against my boundaries, though, so I decided to make them a priority for 2015. I could take 30 minutes to explain the theme, and even make gestures to emphasize it with my hands, but until I came up with FRAME I couldn’t really condense it. And who has room for a soliloquy on their bathroom mirror?

FRAME gave me what I needed. And at the same time, in noun form, I think it helps me form a picture of what I want 2015 to be. See what I did there?

So, FRAME it is. And I think it’s a keeper. I’ve already started putting it into practice, and it’s doing it’s job. I’m really looking forward to the year ahead, and time to invest in this word along the way. Even though I don’t know what’s in store, I know it will allow me to give 2015 the perspective it needs.

And speaking of perspective, that leads me to my Scripture. I think this verse sums up how to FRAME my year.

“Seek the Kingdom of God above all else, and live righteously, and he will give you everything you need.” – Matthew 6:33 (NLT)


 

Typically, I just choose my word through prayer, Scripture, contemplation and conversation, but this year I came across a few resources that were fun to incorporate. I actually had no idea so many people did this same “one word” thing! So, I wanted to list them here for you in case you’re interested in starting this tradition and want a little guidance. The last few are just some great advice for ending one year well and starting the next one strong.

  • One Word That Will Change Your Life – I stumbled across this book when someone posted about their four-day reading plan with the YouVersion Bible on Facebook. Their book only takes about 45 minutes to read, and I suggest it as an accompaniment to the reading plan. The reading plan on its own is a little abrupt to get the full effect, in my opinion.
  • My One Word – This book is about four hours long, and is great if you want more direction, stories and Scripture.
  • Andy Stanley’s Breathing Room series – You can watch or listen via iTunes to this four-part series on finding margin in your life regarding time, money and relationships. He teaches this now and again under different names with a little different emphasis, but I found this one most helpful for where I am right now in life.
  • 9 Actions You Must Take to Reach Your Biggest Goals by Rick Warren – This two part article is exactly what you’d expect from Rick Warren, practical and wise. A good read.
  • Preparing for a Fantastic 2015 – I came across this blog a couple of years ago during my SIMPLIFY theme. This couple sold all their stuff to travel the world. They talked about cutting the clutter to follow their dreams, and well, that was about the only sales pitch I needed to follow them. 😉 I include this post of theirs, however, not because I think everyone should follow their dream, but I really like how they take the time to sit and evaluate their year with a specific process. And of course, as a married couple, I could see the benefit of doing this with a spouse to get on the same page. So, an extra bonus there for you duos.

Hope your 2015 is off to a great start! May you find joy, and a little margin, in it over the next 11 and a half months.