1. Most people separate "getting a mortgage" from "planning their finances." Why is that a mistake, in your experience?

2. What's a question you ask early on that has nothing to do with the mortgage itself, but changes everything about the advice you give? Why?

3. Why does presentation skill matter for a mortgage broker who never plans to speak at a conference?

4. You talk about a 24 to 36 month planning horizon as the real ceiling given how fast tech is moving. How does that change what a broker should be building this year?

5. You mentioned nearly every industry right now has a version of "the old way still works, until it doesn't." How do you know when it's time to actually pivot versus just push through?

6. If every broker had access to the exact same AI tools, what would actually separate the best from the rest?

7. If you could build any AI tool for the mortgage industry with no budget, no technical limits, and no regulation to work around, what would it do? Why?

8. What's a financial habit you had to build later in life that you wish someone had taught you earlier? Why?

News and Update

• What book(s) or article(s) did you read this past month that stayed with you? What takeaways do you have?

• What event(s), talks or experiences did you attend this past month that stayed with you? What takeaways do you have?

• What podcast(s) did you listen to this past month that stayed with you?