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Decision Debt: The Real Reason Your Day Disappears
Episode 51 • 29th September 2026 • QueenMode • Dr. Ana Castilla
00:00:00 00:33:30

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You got to work early because you had a plan. You look up and it's four thirty and you haven't touched one item on your list — and if someone asked what you did all day, you couldn't tell them. Your day didn't disappear into tasks. It disappeared into other people's decisions.

In this episode of QueenMode, I name the thing every productivity system misses: you don't have a volume problem, you have a decision architecture problem. Every "quick question" is somebody standing in front of a decision they don't have the authority to make. I walk through three stories from my own practice where I was the villain, the one-week Decision Audit that shows you the truth, and the four-part rule that makes a decision never come to you again.

What You'll Learn

  • The difference between a task and a decision, and why decisions arrive on somebody else's schedule
  • What decision debt is, and why it compounds with every person you hire
  • Why "I just can't find good people" is almost never about the people
  • The one-week Decision Audit and the three buckets to sort it into — and why bucket three is tiny
  • The four parts of a rule people will actually use: outcome, boundaries, fallback, escalation trigger

Key Quote

"A Queen does not make every decision. She makes the decisions about who decides."

If this episode hit home, share it with a woman entrepreneur who needs to hear it.

Leave a review to help more ambitious women find QueenMode.

Stuck as the engine of everything? The Operator Trap scorecard shows you exactly where your business is running you — and what it takes to take the crown back: https://dranacastilla.com/operator-trap/

Follow @queenmodepodcast on Instagram.

Transcripts

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I want to describe a day to you and I want you to tell me if you think I've been

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following you around. You get to work early,

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I mean early, because you had a plan,

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you had a whole list, and today is the day you finally get

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to do the thing you've been meaning to get to for four months.

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And then you look up and it's 4 30 in the afternoon and you have not touched it.

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Not one item, not one. And if somebody asked you what you did all day,

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you genuinely could not tell them.

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You'd say something like, my God,

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it was crazy. Because it was crazy.

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And it happens a lot. Honestly,

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how many of us have texted our best friend saying,

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Sorry I've been MIA, it's been crazy.

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Here's what happened.

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And I want you to hear it precisely because everybody gets this wrong.

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Your day did not disappear into task.

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If only your day disappeared into other people's decisions.

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Every single interruption that took a chunk out of your afternoon,

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the one at lunch, the one between clients,

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the one that started with, hey,

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quick question, was somebody standing in front of a decision they could not.

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Make on their own, so they brought it to you,

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and you made it in 11 seconds because it was easy for you,

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and then you went back to what you were doing,

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except you didn't because it takes 15 minutes to get back into anything real,

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and they'll be back before then.

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You're not disorganized, queen.

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You don't need a better planner,

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you are cute, you are a bottleneck with a person standing inside

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of it.

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What's

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up, Queen? I'm Dr. Anna Castilla,

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orthodontist, author, speaker,

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unapologetic dream chaser, and yes,

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I took my business from flatlining to an eight-figure exit in just eight years.

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But spoiler alert, I didn't get there by playing a safe.

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I broke rules, I made bold moves,

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and I became the woman my younger self was waiting for.

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Queen Mode is your weekly dose of fierce strategy,

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unfiltered truth, and mindset shifts that will have you leading,

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growing, and living like the powerhouse you are without burning out or selling out.

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So if you're done playing small and ready to rise,

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welcome home.

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Let's get the diagnosis right because if you get the diagnosis

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wrong, you'll spend another year taking the wrong medicine.

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Every productivity system on earth treats your problem as a volume problem.

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Too much to do. So the solutions are all about volume.

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Batch it, block it, prioritize it,

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put your phone in a drawer, wake up at five.

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And listen, those things work,

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but they only work to a certain point.

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And I know because I've tried all of it.

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Some of it is genuinely useful,

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but none of it ultimately fixes this problem.

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Because the thing was never the volume of tasks,

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it was the volume of decisions that had nowhere else to go.

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Here's the difference, and it matters enormously.

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A task is something that needs doing.

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You can hand the task to somebody,

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you can schedule it, you can drop it.

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A decision is something that needs choosing.

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And if you are the only person in your business with the authority to choose,

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Choose, then every decision in the entire company forms a line,

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and that line ends at your face all day,

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every day. And decisions are so much more expensive than tasks for

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a reason nobody talks about. Decisions arrive on somebody else's schedule.

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A task waits. A decision has a person standing in front of it,

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and that person is stuck until you unstick them.

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And they know it and you know it.

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So they interrupt you. They interrupt you at lunch.

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They interrupt you between clients,

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between patients, they catch you in the hallway.

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They send the sorry to bother you,

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just need a quick, and it is never quick.

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And every one of those interruptions cost you far more than the eleven seconds

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it took to answer.

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It costs you the 15 minutes it takes to get your head back into whatever

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you were doing. And if you get interrupted four times an hour,

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you never get your head back into anything at all.

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Not once all day, which is why you can work a 12-hour day

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and go home having produced nothing and feel insane about it.

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You didn't produce nothing because you were slow,

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you produced nothing because you spent the entire day.

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Day

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being a switchboard, And nobody is on the other end of the line for you.

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So let me give you the frame I want you to keep from this episode.

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I call it decision debt. Here's how it works:

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every time a decision comes to you that could have been made by somebody else,

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every single time, one of two things happens.

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Either you make the call and move on and nothing changes,

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which means it will come to you again and again,

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forever and ever. Or you make the call and you write down the rule behind

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it and it never comes to you again.

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The first one is a loan, the second one is a payment.

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And for some time now, Queen, you have been taking out loans,

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thousands of them.

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Every time you answered a question instead of building an answer,

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you borrowed a little bit of speed against your calendar forever.

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That's decision debt. And like all debt,

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it compounds in the most vicious way possible because it compounds with headcount.

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Here's what I mean. When you had two employees,

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you were making say 10 of these decisions a day.

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Annoying but survivable. Then you grew and you hired.

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And now you have eight people.

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And every one of them is generating their own stream of decisions that only

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you can make. So the business gets bigger and your day gets worse.

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Growth makes the problem worse,

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not better, which is one of the cruelest surprises in all of entrepreneurship.

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You did everything right, you built the thing,

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you hired the people, And your reward is a calendar that is more shredded than

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it was when you were.

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doing it all alone. And this is where the story you tell yourself kicks in.

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And I have to take it apart. You start saying,

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maybe out loud, maybe just in your head at 11 o'clock at night,

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I just can't find good people.

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Queen, it is almost never the people.

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It's that you hired people into a business with no decision architecture,

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and then you got frustrated that they couldn't find their way through

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a building with no doors. Let me show you exactly what I mean.

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And I'm going to use my own practice and I'm going to make myself the villain

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of all three stories. You know why?

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Because I was.

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Story one, the brackets. In my practice,

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we had a clinic coordinator, wonderful young man,

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I love him to death, and he would come find me in the middle of my lunch,

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between patients, really whenever,

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and tell me something like, the supplier we normally use has our brackets

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on back order.

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And it annoyed me to no end. Every time.

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Now I had to talk to him instead of sending the email I've been trying

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to send for weeks. Because in my head I'm thinking,

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why is this my problem? I'm eating a sandwich in 11 minutes while trying

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to send the email and I have a full afternoon.

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Just handle it. So I'd say, with maybe a little more edge than I like to admit,

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well, just get them from somewhere else.

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And he'd say, I look somewhere else.

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They're more expensive. And I'd open my mouth to say something

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and then just stop. Because right there,

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standing in a hallway with half a sandwich in my hand,

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I realized what was actually happening.

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He wasn't being helpless. He was being careful.

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He didn't know what authority he had to solve this problem.

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He didn't know if more expensive was allowed.

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He didn't know how much more expensive was too much more expensive.

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He had no idea whether spending an extra amount to keep the clinic running would

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make him a hero or get him in trouble.

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And why would he know? Because I never told him.

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I hadn't given him a budget. Heck,

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I hadn't even given him an outcome.

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I had given him a task. Get this many brackets from this exact vendor once a month.

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That's it. That was the entire scope of what I handed him.

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So the moment reality deviated from the task,

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which reality always does, he had nothing to work with.

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Nothing. He wasn't authorized to think because I never told him what

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he was thinking toward. Here's what I should have said.

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And I want you to hear the difference.

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Because it's everything. You own keeping a stock on brackets.

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Get this many every month from whichever vendor has the lowest price.

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As long as they land by this day each month,

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you can spend up to this amount.

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If our preferred ones aren't available anywhere,

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these are the approved backup brackets.

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If none of that works, then come find me.

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Look at what that does. It names the outcome he owns.

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We don't run out of brackets. It gives him a spending limit so he knows the edges.

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It gives him the real constraint,

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which is the delivery date, not the vendor.

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It gives him a fallback so he's not paralyzed.

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And it tells him exactly when to escalate,

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which means every other time he has an issue,

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he doesn't.

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I never told that young man what result he needed to own.

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I only told him what tasks to do.

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And then I got frustrated when he couldn't do more than what I told him to do.

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That's not on him. That was all on me.

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My second story is about my front desk.

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Same pattern, different flavor,

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but this one has a twist that I think a lot of you need to hear.

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my front office team would constantly interrupt me or interrupt

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the manager about scheduling. A patient needs to be seen sooner.

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A patient only wants to come on a time we don't offer.

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Somebody wants to move an appointment and it doesn't fit anywhere.

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And they'd come ask me every time.

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Now the first layer of this is the same problem as the brackets.

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They had no guidelines about how far they were allowed to deviate.

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From the template. How much can you overbook?

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When can you double up? What's a real exception versus a preference?

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They didn't know, so they asked.

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Fine, write the guidelines fix.

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except there's a twist, because sometimes the guidelines are not enough.

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Sometimes they still can make the decision even with the guidelines

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in front of them. Why? Because they don't have problem resolution skills.

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And that was my blind spot for years.

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We hire someone at the front desk,

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and we think we're hiring a person who answers the phone and plugs holes into

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the schedule. That's the job description in our heads.

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Answer, schedule, done. But that's not the job,

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not even.

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Even

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close. The job is dealing with people,

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and people are not reasonable.

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They're just not. People are upset,

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people are late, people want something the schedule cannot give them.

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They cry, they whine. People are having the worst week of their life,

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and you're the one holding the phone.

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No guideline is ever gonna cover that.

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You cannot write a policy for a human being who is having a bad day.

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So if your team has not been trained,

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actually truly

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Trained on purpose in how to handle a person,

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how to hold a boundary kindly,

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offer an alternative, and resolve the situation in front of them,

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they're not gonna know what to do.

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So they will come to you, they will interrupt you every single time so

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you can make the call on how to fix it.

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And you're gonna think they're not capable,

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and you'll be wrong. They were just never taught the actual job.

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And my third story is about my marketing coordinator.

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And I know you guys are so sick of me telling this story,

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but I'm telling it for a reason because you cannot hear this enough.

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Because it's the one where I thought I was solving the problem,

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but I actually made it worse. For years I did the marketing in my office,

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as you know, and I want to be honest about the quality of it.

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My ten o'clock at night, exhausted,

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done with a full day of patience marketing,

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was bad. It was bad. I finally had to admit it.

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I naturally am

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And so I did the responsible thing eventually.

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I gave it up. I hired a marketing coordinator.

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We all know this story. But the road to hell is paved with good intentions because

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hiring a marketing coordinator or any person you think is gonna lift

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you out of operator mode will not work if you don't lay the groundwork

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to make them independent. If you don't make them independent,

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they're gonna keep coming back to you.

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And I

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Didn't lay the groundwork. Why?

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Because I was too busy, which is the joke,

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right? I was too busy to do the thing that would have made me less busy.

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I gave her no guidelines, no guardrails,

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no defined outcomes. So what happened?

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She came to me at the end of every day,

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every day when I was fried from a full day of patience to walk me through

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how she could fix her latest social media graphic for our ads.

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And it was not her fault. Not even a little bit.

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So I would stand there patiently.

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and tell her how to fix the design.

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And then the next day I'd do it again.

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And the next, I had hired someone to take marketing off my plate,

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but instead I had someone whose full-time job was asking me about marketing.

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What I should have given her was a design standard,

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an actual document, our colors,

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the exact ones, our fonts, our logo rules,

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spacing, what our photography looks like,

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what we never do. Examples of yes,

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exactly, and examples of hell no,

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never. Give her that and the entire relationship changes.

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Now she produces something that's already right in the first place.

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And my job shrinks from teaching design at seven in the evening to saying

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yes or no in 90 seconds. That's the difference between an employee

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who consumes your energy and an employee who creates leverage.

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And it is not a difference in the employee.

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It's a difference in what you handed her on day one.

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There are countless examples, countless,

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but the pattern is always one of two things.

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Either you gave them a task instead of an outcome with no spending limit

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and no boundaries, Or you never trained them to resolve the actual problem

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in front of them. That's it. That's the whole thing.

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And when women tell me they're just not like us,

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if we were doing it we would just solve it.

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I understand it. I've even said it before.

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But I was wrong.

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And I think honestly, it's a little unfair,

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and here's why. Of course we would solve it.

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We're the owner. We know the limits,

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we know the acceptable options,

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we know which solutions we're comfortable with,

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and most importantly, we have nobody to answer to.

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And there's no one waiting to tell us we got it wrong.

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Your employee is not running that calculation.

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She's running a different one entirely.

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In her mind, she thinks, What if I choose wrong and I get in trouble?

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She may not know how far she's allowed to deviate to solve the problem right

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in front of her. And in the absence of that information,

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freezing and asking you is not weakness.

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It's the smart move. It's the only safe move available to her.

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She's trying to survive. You would do the same thing in her chair.

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Okay, let's fix it. And it starts with data,

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not opinions, because your memory of last week is garbage,

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I promise you. The exercise. For one week,

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log every decision that comes to you.

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Not tasks, not your to-do list,

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decisions.

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Every moment where a human being brought you something they could

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not choose for themselves and you had to choose it for them.

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Keep it stupidly simple. A notebook in your pocket or a note on your phone.

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Two seconds per entry. Who asked?

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What about? That's it. One week.

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Don't change anything. Don't fix anything.

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Don't be a better boss than usual.

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You'll ruin the data. Just log.

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And I'll warn you now.

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This will be uncomfortable. You'll have days where you write down nine things before

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eleven in the morning and want to close the notebook and pretend you never started.

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Don't close the notebook. That discomfort is the whole point.

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That's the first time you'll have ever seen the thing that's been eating your life.

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Then at the end of the week, sit down with the list and sort every entry into

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one of three buckets.

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Bucket one, this should never have reached me.

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Somebody had all the information and all the competence to decide this

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and simply didn't know they were allowed to decide it.

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This is the brackets. This is most of your list.

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Bucket two is this needs a standing rule.

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It's a real decision. It recurs and it needs a policy.

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Not your personal attention.

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Every time. Scheduling deviations,

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refunds, discounts, vendor swaps,

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anything that has come to you more than twice in one week is screaming for a rule.

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And

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Bucket three is the things that are genuinely yours.

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strategy. Money at a level that matters.

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Hiring and firing. Anything that changes the direction of your company.

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Real judgment calls with real consequences.

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And here's what really, really burns me.

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And I I'm gonna sound a little bit frustrated because I see this all the time.

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I see so many women business owners doing the opposite.

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They are letting their employees do bucket three things,

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the things that could affect their revenue,

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the things that could affect their business.

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They are letting their employees do those things while they are doing

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the menial tasks. Like I seriously,

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I've talked to women who are out there buying.

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Cupcakes for their next doctor delivery,

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their next marketing event. Meanwhile,

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their financial coordinator is doing write-offs without anybody's permission,

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giving discounts without anybody's permission.

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What on God's earth? I don't really can't tell you.

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It just it's just so upsetting.

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Please look at these three buckets and look at where.

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You may be living in some topsy-turvy world where your people are doing bucket three

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while you're doing bucket one and two.

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You would be amazed at how often this happens.

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So please take these buckets seriously.

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Because here's what happens, and it happens to almost everybody

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who does this honestly. Bucket three is tiny.

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Founders are consistently stunned by this.

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They expect maybe half. It's usually a small handful of items

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out of dozens of things, sometimes two or three things in an entire week,

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which means the overwhelming majority of your week,

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the part that ate your Tuesday,

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the part that keeps you at the office until 7 p.m.,

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The part that has you doing your real work at 10 at night when your brain

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is mush was made of decisions that were never actually yours to make.

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You've been doing someone else's job all day for years.

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And here's the reframe I want you to hold on to because it's the same one

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I use for everything. That list is not an indictment.

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It's a roadmap. It's not proof that your team is weak or that you're a bad.

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delegator. It is the single most useful strategic document you will produce this

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quarter. A precise, honest, brutally specific map of exactly where your

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business has no decision architecture.

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And now you can build one.

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So let's talk about how to actually write these because most delegation fails

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at this exact step. The classic failure is when you say,

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use your judgment. Queen, that is not delegation.

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That's abandonment with a nice tone of voice.

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You've told her to make a decision without telling her anything she needs

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to make it, and she will come ask you anyway,

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but now she'll feel bad about it.

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A real decision has four parts.

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Write them down. One, the outcome she owns,

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not the task, the result. Not order brackets from this vendor.

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It's we never run out of brackets.

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That single shift changes what she's allowed to think about because

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now she's solving for a result and the vendor is just a means to the result.

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Two the boundaries. How much money can they spend?

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How much time? What's the minimum level of quality?

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How far can they go off course?

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How?

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What are the things that are absolutely not okay?

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This is the part everybody leaves out,

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and it's the part that makes the whole thing work.

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Because your team cannot decide freely if they don't know what their limits are.

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Well-defined boundaries aren't restrictions,

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queen. They are your freedom.

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3. The fallback. What should they do when the obvious answer isn't available?

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What is the approved backup? What's the plan B that already has your blessing?

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Because most paralysis happens when the default fails and your team doesn't know

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what's an acceptable alternative.

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4. The escalation trigger.

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Exactly when to come get you. Named,

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specific, unmistakable. You can say things like if over this dollar

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amount, if the patient asks for a refund,

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if it will delay us more than a week,

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come get me.

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And here's the magic about this one,

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which people miss entirely. Naming the specific situation of when

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to come get you, when to come escalated to you,

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is what makes it safe for them not to.

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I know this is a little counterintuitive,

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but when she knows precisely which situations require you,

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she also knows by the fall, with total confidence,

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that everything else doesn't. The escalation trigger isn't a leash,

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it's the thing that lets her go off the leash.

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Now, one more, and it's the piece I got wrong the longest.

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A rule is not enough.

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If the person hasn't been trained on the real problem.

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And that's the front desk lesson.

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All the guidelines in the world about scheduling won't help someone who's never

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been taught how to handle an unreasonable human being.

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So for anything that involves people,

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clients, patients, complaints,

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negotiations, disappointments,

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you have to train the skill, not just publish the policy.

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Role play it, sit with them, give them language,

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give them official formal training if you don't know how to do it.

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Give them permission to hold the boundary kindly.

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Give them three sentences that work when someone is upset.

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That's not soft stuff. That's the difference between a rule that gets used

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and a rule that lives in a binder while everybody keeps interrupting you at lunch.

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Now let me tell you what actually happens when you do this because

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I want you prepared.

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Week one will be worse. It will be.

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Writing rules takes longer than answering questions.

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Training someone to resolve a problem takes an hour you don't have.

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And your team who has spent years learning that they should check with

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you will keep checking with you purely out of habit and you're gonna want to scream.

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This is the exact moment where every founder quits and goes back

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to being the switchboard because being the switchboard is fast.

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Explaining is slow.

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Doing it yourself is always, always faster today in this moment.

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And that is the trap. That's the entire trap right there in one sentence.

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Every time you choose the faster thing today,

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you borrow against every single one of your tomorrows.

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You already know how that story ends.

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You're living in the ending right now.

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So here's what I need you to hold on to.

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You are not managing your time this week.

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You are retiring that. And the return on that is absurd because a rule

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you write once gets used a hundred times by every person who ever holds that role

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forever. You will never do the math on a better investment in your business.

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Second thing you need to be prepared for is that they

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Will decide wrong. They will not often,

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but it will happen, and it will be something you would never have chosen,

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and your whole body will want to snatch the authority back.

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Do not snatch it back.

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And also don't get snippy with them when they choose wrong or make a mistake.

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Coach them instead and I've done this,

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if you get snippy with them, then they learn to be afraid of you,

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and you

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get into a situation where even if you give them training,

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even if you give them all the guidelines,

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the policy, everything, they're so scared of getting it wrong that they will come

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interrupt you anyway.

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So do not snatch the authority back,

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because here's the actual arithmetic,

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and I want you to really sit in it.

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Correcting a decision is enormously cheaper than making every decision.

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One wrong call caught and corrected costs you a conversation and maybe some money.

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Being the person who makes all the calls costs you your entire professional life

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indefinitely forever. That's not close.

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That's not even a comparison.

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And when it happens, when she gets one wrong,

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the response is not to take the authority away.

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Like I said, the response is what was missing from the rule?

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Maybe the rule you gave her was not perfect.

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Was there no boundary there? No fallback,

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no escalation trigger. A wrong decision is almost always a hole in the rule.

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And finding it makes the rule permanently better.

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That's how the system gets stronger.

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That's the whole loop. And then somewhere around week four.

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Or week five, something happens that I want you to watch for.

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It's subtle and it's wonderful.

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You'll go a whole morning without being interrupted.

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And your first reaction will not be relief.

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It will actually be anxiety. You'll think,

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wait, is something wrong? Kind of like when your kids are quiet.

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Is anybody working? Why is it so quiet?

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Queen, nothing is wrong. That's what a business with decision architecture.

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sounds like. That's the sound of your people running your standards without needing

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your body in the room. It's going to feel strange because you've never heard

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it before. Get used to it. That sound is your life coming back.

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So let me bring this home. You do not have a time management problem.

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You never did. You have a decision architecture problem,

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and it has been quietly consuming your calendar one quick question at

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a time for years. And I want to say something to the woman who's been carrying guilt

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about this because I know she's listening.

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You didn't do this because you're controlling.

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You didn't do this because you're a micromanager.

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Every single time you answered,

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instead of building an answer,

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It was the rational choice in that moment.

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In that moment it was faster. You were drowning.

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You did what a competent person does.

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When she's drowning, she handles it.

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You just did it seven hundred times and the interest came due.

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That's all this is. It's not a character flaw,

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it's compound interest on a decision you made under pressure over and over

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for a decade. and debt can be retired.

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That's the good news. That's the whole point of naming it as debt.

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One week of logging, three buckets,

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then rules with an outcome, boundaries,

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a fallback, and an escalation trigger,

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plus the training to handle the humans because there are always humans.

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That's it.

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That's the whole medicine, and I want to place this for you because it's

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not a standalone trick. It's one floor of a building.

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Founder dependency has a stack to it:

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clarity, then systems, then delegation,

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then CEO leadership. Four floors,

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and they only hold in that order.

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What we did today is the delegation floor,

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and it's the one where most women get stuck because they try to hand things

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off before they've ever defined the outcome or the standard underneath it.

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That's why delegation doesn't work for so many of you.

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You aren't bad at it. You are building the third floor on air.

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And here's the standard I want you to carry out of this episode because it's

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the one that changed my entire relationship with my own business.

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A queen does not make every decision.

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She makes the decisions about who decides.

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That's the job that was always the job.

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Deciding what your business will stand for,

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where the boundaries are, who owns what,

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and what good means when you're not in the room.

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Everything else, every schedule in question,

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every vendor swap, every graphic at seven in the evening is somebody else's decision

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that ended up in your lap because there was nowhere else in the building

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for it to go. So build somewhere else for it to go.

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Because the day your business can decide without you is the day you stop having

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a job and start having an enterprise.

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And it's the day you stop being the smartest person in the building

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and start being the leader of it.

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Your calendar is not full because you're important,

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queen. It's full because it's the only door in the building.

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Go build some more doors.

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Thanks for tuning in, Queen.

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I hope today's episode gave you the clarity,

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courage, or conviction you needed to stop building your business

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by accident and start leading it by design.

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If this episode spoke to you, subscribe to Queen Mo so you never miss what's coming

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next. And if it made you think,

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pause, or quietly say, Okay, that was for me,

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share it with another powerhouse woman who needs the reminder.

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Your reviews, shares, and messages help more women find the show and more queen.

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Rise. And if something in today's episode hit a little too close to home,

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go find out how close. I built a 10-question scorecard called the Operator Trap.

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It shows you exactly where your business is running you and what it takes

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for you to take the crown back.

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Your results come straight into your inbox.

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Go to dranacastilla.com/slash operator trap.

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Until next time, keep showing up,

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keep leading boldly, and remember:

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you were born to reign.

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