Have you ever failed publicly — in a way that everyone around you could see? I did. I walked away from a high-status, well-paying job with no backup plan, no other offer, and no real financial cushion. And everyone in my world was watching. This is the first episode in my Bouncing Forward mini-series, and it's about exactly that — not bouncing back to where you were, but bouncing forward to somewhere better.

Why Some People Don't Come Back

Public failure carries a specific kind of weight — the humiliation, the awareness that people are watching, the fear that what you did will define how they see you. I've watched people fold under that weight, cutting off friendships, avoiding eye contact, never recovering. This episode is about making sure that doesn't happen to you.

The Job She Left

A high-demand company, team awards (the hardest ones to win there), 100+ hour work weeks, and then a boss who made clear that the punishing pace was now the permanent expectation. Jill's best friend cleared out her entire office in one visit and said: you're done here. Three weeks later she walked out with no job lined up — and everyone knew it.

Resist the First Life Raft

The temptation in public failure is to grab whatever comes along first, just to stop the bleeding. Jill did the opposite. She analyzed what had made her miserable, what she had actually loved, and built a clear picture of what the next role needed to look like. New hire training, for example, had been one of the highlights of her month — that was going on the list.

The Shift: From Job-Seeker to Evaluator

The moment she got clear on what she actually wanted, the dynamic changed completely. She was no longer interviewing for jobs — they were auditioning for her. She needed to be convinced this company would make her happy. That shift in mindset changed everything about how she approached the search.

The Landing Is More Important Than the Fall

Three weeks after making her list, Jill found the job she spent the next fifteen years in. Everyone sees you fall. But everyone also sees where you land. If you can hold out long enough to aim the landing — to figure out what the next chapter actually needs to look like rather than just stopping the bleeding — the bounce forward becomes something real.

Closing

Whatever your situation looks like — a relationship, a city, a business, a role in your family — the fears are probably similar. What am I going to do? How will I pay for this? But if you can resist grabbing the first life raft and instead ask: what does the next chapter need to look like? — that's where the real bounce forward happens. Next week we talk about private, long-term failure. Different kind of hard.

Jill’s Links

http://jillfromthenorthwoods.com

https://www.youtube.com/@startwithsmallsteps

https://www.buymeacoffee.com/startwithsmallsteps

https://twitter.com/schmern

Email the podcast at jill@startwithsmallsteps.com

By choosing to watch this video or listen to this podcast, you acknowledge that you are doing so of your own free will. The content shared here reflects personal experiences and opinions and is intended for informational and inspirational purposes only. I am not a licensed healthcare provider, psychiatrist, or counselor. Any advice or suggestions offered should not be considered a substitute for professional medical or mental health advice. You are solely responsible for any decisions or actions you take based on this content.

Jill’s Links

http://jillfromthenorthwoods.com

https://www.youtube.com/@startwithsmallsteps

https://www.buymeacoffee.com/startwithsmallsteps

https://twitter.com/schmern

Email the podcast at jill@startwithsmallsteps.com

By choosing to watch this video or listen to this podcast, you acknowledge that you are doing so of your own free will. The content shared here reflects personal experiences and opinions and is intended for informational and inspirational purposes only. I am not a licensed healthcare provider, psychiatrist, or counselor. Any advice or suggestions offered should not be considered a substitute for professional medical or mental health advice. You are solely responsible for any decisions or actions you take based on this content.

Do you need a reinvention — or just a reset? In this episode I'm getting honest about the gap between wanting something in your life and actually deciding to go after it. This isn't about blowing everything up. It's about stopping the drift and quietly, firmly, pointing yourself in a new direction.

What Does a Real Reset Look Like?

Most people who try to reset their lives go too big — new city, extreme diet, dramatic quit. Three months later they're exhausted. A reset isn't a reinvention. It's a readjustment of your trajectory. Small, consistent course corrections compound into big change over time.

Desire vs. Decision

In your 20s you have plenty of desire. By your 50s you realize desire without decision is just a fantasy. A decision is expensive — not always in money, but in comfort, habit, and excuses. The shift happens when you stop wanting and start committing daily, not someday.

The Cost of Drifting

Drift feels harmless because it's slow. Health drifts. Finances drift. Relationships grow distant. And then one day you look up and a decade is gone. The good news: you don't have to fix it all at once. You just have to stop drifting and start steering.

Subtraction Before Addition

Every meaningful reset requires giving something up first — scrolling, convenience eating, saying yes to everything, avoiding hard conversations. What are you protecting that is actually keeping you stuck? What are you unwilling to give up that's costing you your future?

Consistency Is the Unsexy Secret

Speed is overrated. Stability compounds. Whether it's filling one garbage bin a week to organize your house, or committing to one daily walk, small reliable actions done over time get you further than any dramatic leap. I've lost 80 pounds. It wasn't one big moment — it was a thousand small ones.

You don't need a new life. You need a slightly new direction and the willingness to move toward it today — one small step at a time.

Jill’s Links

http://jillfromthenorthwoods.com

https://www.youtube.com/@startwithsmallsteps

https://www.buymeacoffee.com/startwithsmallsteps

https://twitter.com/schmern

Email the podcast at jill@startwithsmallsteps.com

By choosing to watch this video or listen to this podcast, you acknowledge that you are doing so of your own free will. The content shared here reflects personal experiences and opinions and is intended for informational and inspirational purposes only. I am not a licensed healthcare provider, psychiatrist, or counselor. Any advice or suggestions offered should not be considered a substitute for professional medical or mental health advice. You are solely responsible for any decisions or actions you take based on this content.

Most people don't fail at life because they weren't smart enough or talented enough. They struggle because no one ever gave them the ground rules. Twelve years of school, and rarely does anyone sit you down and say: here is how you build a life that doesn't quietly fall apart on you. That's what this episode is about.

**The Foundations: Money That Doesn't Wreck You**

The first two ground rules are financial, and they're not complicated — they're just unpopular. Don't carry consumer debt, and live below your means. Consumer debt is a quiet life-wrecker: invisible in the moment, compounding in the background. The gap between what you earn and what you spend is where real freedom lives. It's not about being cheap — it's about being intentional. Lifestyle inflation is real, and resisting it is how you actually get ahead.

**Protect Your Health Before It Drifts**

Your body is the vehicle for everything you do — your energy, your relationships, your ability to show up. And most people don't feel the consequences of their health decisions until they're deep into them. Maintaining your health is dramatically easier than rebuilding it. The ground rule is simple: don't be perfect, but don't let things get too far gone. Move, sleep, eat real food, get checkups.

**The Drift Principle**

Most of life's biggest problems aren't sudden events — they're slow drifts that go unnoticed until they become a crisis. You don't wake up $40,000 in debt one day. You don't suddenly have a broken marriage. You drift there, one small decision at a time. Understanding the drift principle changes how you read your own life. Small corrections are cheap. Big corrections are expensive — in time, money, and sometimes relationships you can't fully recover.

**Audits, Compasses & Enough**

Doing regular life audits — even a simple one with coffee and a journal twice a year — keeps the drift visible before it becomes irreversible. Having a compass (knowing where you actually want to go and what's non-negotiable) protects you from ending up wherever the wind takes you. And knowing what "enough" looks like for you personally keeps you from trading things that actually matter for things that won't satisfy.

**Personal Principles & the Long Game**

Three to five personal principles — not a long list, just a short one that you genuinely live by — become the needle on your compass when everything else is uncertain. And underneath all of it is the long game: small steps, done consistently, that compound over time. The person who exercises three times a week for twenty years is a different physical being than the person who does it sporadically. Consistency beats intensity every time.

Pick one area today and ask yourself honestly: am I drifting? You don't have to fix everything. You just need to notice it.

Jill’s Links

http://jillfromthenorthwoods.com

https://www.youtube.com/@startwithsmallsteps

https://www.buymeacoffee.com/startwithsmallsteps

https://twitter.com/schmern

Email the podcast at jill@startwithsmallsteps.com

By choosing to watch this video or listen to this podcast, you acknowledge that you are doing so of your own free will. The content shared here reflects personal experiences and opinions and is intended for informational and inspirational purposes only. I am not a licensed healthcare provider, psychiatrist, or counselor. Any advice or suggestions offered should not be considered a substitute for professional medical or mental health advice. You are solely responsible for any decisions or actions you take based on this content.

What does it actually mean to use AI and still feel like yourself? In this episode, Jill breaks down her personal approach to AI — not the flashy, let-it-do-everything version, but a quieter, more honest one. If you've ever felt uneasy about AI but couldn't quite explain why, this one's for you.

Top Topics Covered:

1. Why AI Makes So Many of Us Uncomfortable It's usually not about being afraid of technology. Most people are really worried about three things: taking jobs from others, getting fed fake information, or pretending to be someone they're not. Naming that discomfort is the first step.

2. The "Jill Method" of Using AI Three simple rules for using AI without losing yourself: use it as a mirror, not a mask. Let it reflect your thinking back to you — not replace it. The moment it starts covering for you instead of clarifying you, that's the line.

3. AI Isn't New — We Just Didn't Call It That Remember when Amazon started suggesting books you might like? That was AI. It's been woven into our lives for a long time. What's changed is how smart and conversational it's become — not what it fundamentally is.

4. The Job Question Nobody Wants to Answer Yes, AI will change some jobs. The internet did too. But the internet also created millions of jobs no one could have imagined in 1990. History gives us reason to be cautious — and reason not to panic.

5. Using AI to Think Better, Not Less The best use of AI isn't outsourcing your ideas — it's sharpening them. Use it to find holes in your thinking, practice hard conversations, organize your thoughts, or understand something confusing. It's the assistant you could never afford to hire.

Takeaway: This episode isn't anti-AI or blindly pro-AI. It's about finding your own honest middle ground. Tools don't steal your authorship — abdicating your thinking does. When AI helps you become a clearer, stronger version of yourself, that's exactly what it's for. And when it starts to feel like a mask? That's when Jill puts it down.

Jill’s Links

http://jillfromthenorthwoods.com

https://www.youtube.com/@startwithsmallsteps

https://www.buymeacoffee.com/startwithsmallsteps

https://twitter.com/schmern

Email the podcast at jill@startwithsmallsteps.com

By choosing to watch this video or listen to this podcast, you acknowledge that you are doing so of your own free will. The content shared here reflects personal experiences and opinions and is intended for informational and inspirational purposes only. I am not a licensed healthcare provider, psychiatrist, or counselor. Any advice or suggestions offered should not be considered a substitute for professional medical or mental health advice. You are solely responsible for any decisions or actions you take based on this content.

What if the problem isn’t your budget—but your income? When cutting expenses isn’t enough, it’s time to rethink how money actually works. This episode breaks down practical, realistic ways to earn more without burning out.

When Budgeting Isn’t Enough: How to Earn More Without Working Yourself to Death

This episode wraps up a multi-part series on money by shifting the focus from cutting expenses to increasing income. After learning how to budget, categorize spending, and manage money responsibly, the conversation turns to a hard truth: sometimes the math simply doesn’t work without earning more. Drawing from personal experience and insights inspired by Tiffany Aliche and How to Get Good with Money, the episode explores why income is tied to value, replaceability, and visibility—not effort alone. It reframes earning more money as a strategic, skill-based process rather than a moral judgment or measure of self-worth.

Why Working Harder Isn’t the Answer

The episode explains why long hours and exhaustion don’t automatically translate into higher pay. Income is connected to market value, how specialized a role is, and how easily someone can be replaced. Understanding this removes shame and helps people think more clearly about their options.

Asking for a Raise—With Evidence

Rather than emotional appeals, raises should be approached with data. A “brag folder” becomes a powerful tool for tracking accomplishments, customer impact, time saved, and problems solved. This evidence makes performance visible and reduces anxiety during reviews and salary conversations.

Becoming Harder to Replace

Learning one critical skill deeply can change an entire career trajectory. Specialization, not job titles or degrees, often creates leverage. The episode highlights how focusing on overlooked problems or difficult tasks can dramatically increase stability and income.

Recognizing Hidden Skills

Skills aren’t just technical. Teaching, organizing, calming upset people, troubleshooting, and managing projects all carry real value. Personal life experiences—like leading volunteers or handling conflict—count and can be translated into paid work.

Side Hustles That Don’t Drain Your Life

Side income doesn’t have to mean building an empire. The episode explores low-setup, low-stress options that align with existing strengths, from short-term projects to platform-based work that fits into real life.

Making more money isn’t mysterious—it’s strategic. Income grows when skills, needs, and visibility align. The most powerful step is taking responsibility for understanding personal value and learning how to place it wisely. Whether through negotiating pay, building expertise, changing roles, or adding a small side income, progress comes from intentional, realistic action. When expenses can’t shrink further, increasing income becomes the other half of the equation—and it’s one that can be approached one small step at a time.

Money doesn’t just live in your bank account—it lives in your gut, your sleep, and your sense of safety. What if saving wasn’t about restriction, but about relief? This episode breaks down how emergency savings can completely change your relationship with money.

In this episode, the conversation explores how deeply emotional money can be and how fear, panic, and avoidance often shape financial decisions more than logic ever does. Drawing from lived experience and insights from Get Good With Money by Tiffany Aliche, the discussion walks through practical, realistic ways to build emergency savings, reduce anxiety, and regain control. The focus isn’t on becoming wealthy overnight, but on creating stability, resilience, and peace of mind through intentional saving and smarter systems.

Money problems often show up as panic, dread, and sleepless nights. When bills arrive or emergencies hit, the lack of savings can trigger fear and avoidance. Understanding that money is emotional—not just mathematical—is the first step toward change.

Emergency savings are framed as protection, not deprivation. Using the analogy of squirrels storing acorns during good times, the episode emphasizes saving when life is calm so emergencies don’t lead straight to debt and chaos.

Building even a small emergency fund can break the cycle of constant debt. Once there’s a buffer, unexpected expenses no longer require credit cards, and financial momentum finally begins to shift.

A “noodle budget” identifies the bare minimum needed to survive if everything goes wrong. Knowing this number removes fear and clarifies how much flexibility actually exists in everyday spending.

Automating savings and separating money into purpose-driven accounts removes decision fatigue and emotional stress. Bills get paid, savings grow quietly, and spending money becomes clear and guilt-free.

Emergency savings create calm, not limitation. Having money set aside reduces panic, improves sleep, and allows better decisions during crises. Over time, savings transform money from a source of fear into a tool for freedom.

Priorities matter more than appearances. By focusing on what truly brings value—rather than constant small purchases—long-term goals like security, retirement, and meaningful experiences become possible.

Money works best when it’s intentional and invisible. Systems that move money automatically make consistency easier than willpower ever could.