Episode 51

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Published on:

29th Sep 2026

Decision Debt: The Real Reason Your Day Disappears

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.

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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/

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Transcript
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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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About the Podcast

QueenMode
Where women entrepreneurs rise with purpose, master their mindset, and grow with unstoppable confidence.
Step into QueenMode—the podcast for women entrepreneurs ready to lead with purpose, power, and heart. Join Dr. Ana Castilla for real conversations on business, mindset, marketing, and growth. Build confidence, create success, and lead like the queen you are.

About your host

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Dr. Ana Castilla

Dr. Ana Castilla is an orthodontist turned 8-figure entrepreneur, author, and speaker. She helps women entrepreneurs master their mindset, elevate their business, and lead with purpose through her podcast, QueenMode.