Start with Small Steps

Jill from The Northwoods

Start With Small Steps is a practical, thoughtful podcast about making meaningful progress in everyday life—without overwhelm. Each episode breaks big ideas into small, manageable steps you can actually use, whether you’re working on habits, health, productivity, faith, or personal growth. Instead of chasing quick fixes or perfect systems, this podcast focuses on steady change, reflection, and realistic action. You’ll hear clear explanations, relatable examples, and simple frameworks designed to help you think better, choose wisely, and keep moving forward—even when life feels complicated or slow. Start With Small Steps is for anyone who wants growth that fits real life: small actions, honest reflection, and progress that lasts.

  1. 1 DAY AGO

    275 - Bouncing Forward: When Everyone Thinks You

    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.

    15 min
  2. 24 MAR

    274 - 5-Minute Habits That Actually Change Your Life

    The habits that change your life most are rarely the dramatic ones. They are the five-minute ones — the invisible ones — that compound quietly over months and years until the trajectory of your life has shifted in ways you never could have predicted from a single day. In this episode I walk through the specific small habits that have made the biggest difference in my own life, organized around four categories: morning anchors, friction design, habit stacking, and automatic systems. These are not theoretical. They are things I actually do, including some I stumbled into by accident and some I built deliberately after years of trying harder things that did not work. Morning anchors are the first category — small actions at the start of the day that set the frame for everything that follows. Drinking water before coffee or food addresses the mild dehydration most of us carry through our mornings without knowing it. Getting two minutes of natural sunlight supports your circadian rhythm and lifts mood in ways artificial light simply cannot replicate. Reading one page of something meaningful — even one page of the Bible — instead of reaching for your phone can add up to fifteen or twenty books over the course of a year. And beginning the morning with prayer or a moment of deliberate gratitude changes the lens through which you see every decision that follows. Friction design is the second category, and it is where I have seen the most consistent results. The principle is simple: make the things you want to do easier, and make the things you do not want to do inconvenient. I do not ban junk food. I just do not buy it on a regular grocery run. Getting Doritos requires a separate trip to the store, which is apparently too much effort. I have used this same logic with snack placement in my home, with my phone during conversations, and with the candy bowls at my office. Nobody felt deprived. The behavior just quietly changed. Habit stacking is the third category. The habits that last are almost always the ones attached to behaviors you already do reliably — ankle exercises while brushing teeth, wiping a counter zone during every standing break, carrying something with you every time you go up or down stairs. No extra willpower required. The old habit carries the new one. The fourth category is automatic systems — habits that run without any decision being made. Saving a fixed amount from every paycheck before you see it. Saving the full difference every time you get a raise, because you already proved you could live on the old amount. I have been doing this for nearly thirty years. It is not exciting. It is exactly how I built the retirement savings I have. One percent better, every day. James Clear did the math in Atomic Habits. The small steps do not feel significant in the moment. That is precisely why they work. 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.

    17 min
  3. 17 MAR

    273 - How to Steer Your Life in a New Direction

    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.

    29 min
  4. 11 MAR

    272 - Stop Trying to Control the River of Life

    You can't stop the river. You never could. And yet most of us spend enormous amounts of energy trying to do exactly that — managing outcomes, controlling other people's reactions, bracing for every possible risk, paddling furiously against a current that was never going to turn around. In this episode, I want to offer a different way of thinking about it. Not giving up. Not going passive. But understanding the difference between fighting the river and learning how to read it — and positioning yourself to move through life with a lot more power and a lot less exhaustion. The Illusion of ControlWe tell ourselves that if we work harder, think harder, or plan more carefully, we can make life behave the way we want it to. But control is an illusion — for health, finances, other people's behavior, the economy, aging, and most of the things that matter most to us. The exhaustion so many people feel in midlife isn't weakness. It's the result of spending years fighting the laws of physics. Water goes where water goes. Recognizing that is not defeat. It's the beginning of something much more useful. Strength Pushes. Wisdom Positions.In your 20s, brute force often works — you paddle hard and it gets you somewhere. In your 30s and 40s, you start building systems and pushing harder. But there's a point where the current is stronger than your effort, and the kayak metaphor becomes useful: you don't control the depth of the water, the speed of the current, or the rocks beneath the surface. What you do control is the angle of your paddle, where you aim the nose of your boat, and whether you panic or stay focused. That shift — from trying to control to learning to position — is where real power lives. Positioning Yourself in Real LifePositioning isn't abstract — it's concrete and specific. For your health, it might be a 15-minute walk, resistance training twice a week, an extra half hour of sleep, or eating more protein first. For your career, it might be learning one skill your workplace values, or moving toward the part of your work that energizes you rather than drains you. The story from my own career says it plainly: the turning point wasn't working harder. It was stopping trying to be someone else and positioning myself where my actual strengths could compound into results. Reading the River — Including the Imaginary OnesA skilled kayaker reads the water — ripples, shadows, movement patterns. They know that fast water isn't always dangerous and still water isn't always safe. A lot of the rivers we're exhausted from fighting aren't even real. They're future catastrophes, replayed conversations, worst-case scenarios we've constructed in our heads. Learning to read the actual current — asking what is actually happening right now, not what we fear might happen — is one of the most practical stress-reduction moves available to us. When the Boat Flips OverMaturity isn't never flipping the kayak. It's knowing how to roll it back up. Misreading a current, hitting a rock, panicking at a curve — these are part of learning the water, not proof that you've failed. The goal isn't perfection or avoiding all the pitfalls. The goal is perseverance, a little grit, and the willingness to get back in the boat and keep reading the river better than you did before. You're not behind. You're not done. You haven't messed this up. You're learning how to read the water — and that may be the most powerful thing you do this season. This week, just one small step: one walk, one phone call you've been putting off, one "no" you've been avoiding, thirty minutes blocked off for something that will move your career forward. Not ten steps. One. Adjust the angle. The river keeps moving, and so do you. 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.

    17 min
  5. 3 MAR

    271 - Stop Drifting: The Ground Rules That Keep Life on Course

    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.

    26 min
  6. 24 FEB

    270 - You Don't Have to Be All In on AI — Here's How to Find Your Middle Ground

    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.

    25 min
  7. 17 FEB

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

    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. Episode TitleWhen Budgeting Isn’t Enough: How to Earn More Without Working Yourself to Death Episode SummaryThis 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. Top Topics CoveredWhy 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. Key TakeawaysMaking 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.

    20 min
  8. 10 FEB

    268 - From Money Panic and Avoidance to Peace and Security

    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. Top Topics CoveredThe Emotional Cost of MoneyMoney 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 and the “Squirrel” MindsetEmergency 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. The Power of the First $1,000Building 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. The Noodle BudgetA “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 AccountsAutomating 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. Key TakeawaysEmergency 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.

    27 min

About

Start With Small Steps is a practical, thoughtful podcast about making meaningful progress in everyday life—without overwhelm. Each episode breaks big ideas into small, manageable steps you can actually use, whether you’re working on habits, health, productivity, faith, or personal growth. Instead of chasing quick fixes or perfect systems, this podcast focuses on steady change, reflection, and realistic action. You’ll hear clear explanations, relatable examples, and simple frameworks designed to help you think better, choose wisely, and keep moving forward—even when life feels complicated or slow. Start With Small Steps is for anyone who wants growth that fits real life: small actions, honest reflection, and progress that lasts.

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