The Everyday Millionaire and Mindset Matters Podcast

In this episode of Mindset Matters, Patrick challenges one of the most popular personal development phrases in the space: “creating a life by design.” While it sounds inspiring, Patrick argues that most people misunderstand what it actually requires. A life by design is not built on affirmations, motivation, or even a perfect plan. It is built on responsibility and a clear understanding of the real costs that come with meaningful outcomes.

Patrick explains that anything truly worthwhile in life has a cost of entry, and that cost is rarely financial. More often, the true price is paid emotionally, mentally, relationally, and internally. Most people, he suggests, do not fail because they lack ability. They fail because they resent the price they must pay, or because they want the outcome without accepting the discomfort required to achieve it.

Throughout the episode, Patrick outlines seven “costs of entry” to a meaningful life. These include uncertainty, which is the cost of achievement. Imposter syndrome, which signals growth rather than inadequacy. Loneliness, which often accompanies personal transformation. Embarrassment, which is the tuition of progress. Courageous conversations, which are essential for deep relationships. Criticism, which comes with visibility and excellence. And boredom, which is the hidden price of consistency and mastery.

Using relatable examples from athletics, business, and personal development, Patrick reinforces a powerful truth: growth lives in discomfort. High performers do not wait for clarity before acting. They act, and clarity follows. They do not avoid struggle. They learn to interpret it as evidence that they are on the right path.

The episode closes with a reflective challenge. Instead of asking “Why is this so hard?” Patrick invites listeners to ask, “Am I willing to pay what this costs?” Because a life by design is not about avoiding struggle. It is about choosing it intentionally in service of who you are becoming.

In this episode of The Everyday Millionaire, Patrick sits down with transformation expert and entrepreneur Keala Kanae to explore the real foundation of high performance: identity, values, and self mastery.

Keala shares his powerful journey from minimum wage barista to building and exiting a company that surpassed $140 million in sales. The turning point came after a devastating breakup that forced him to confront a hard truth: he was the common denominator in every area of struggle. That realization launched a deep dive into psychology, neuroscience, and the science of values, leading to a personal breakthrough that reshaped his business and life.

The heart of the conversation centers on what Keala calls meta values, the unconscious drivers that determine how people invest their time, energy, and money. He challenges conventional thinking with statements like “procrastination is not a problem, it’s a solution” and “lack of discipline doesn’t exist.” When goals are misaligned with values, people experience hesitation, self sabotage, burnout, and imposter syndrome. When values and goals align, focus, clarity, and follow through become natural.

Patrick connects these insights to decades of coaching experience and the influence of Dr John Demartini’s values work. Keala also opens up about the darker side of early financial success, including anxiety and depression after reaching major milestones, and explains how purpose and contribution replaced money as his primary driver.

From identity-based decision making to relationships, purpose-driven business, and the “infinite game” of personal growth, this episode offers a grounded, unfiltered exploration of what it really takes to build success without betraying yourself.

In this solo episode of Mindset Matters, Patrick Francey explores why so many people stay emotionally, relationally, or professionally stuck even when they are smart, self aware, and motivated to move forward. The issue, Patrick suggests, is often not a lack of insight, but the lens through which past experiences are being viewed.

Patrick introduces a powerful distinction between gratitude and appreciation, and how confusing the two can quietly keep people anchored to relationships, partnerships, and life chapters that are already complete. While gratitude is often focused on benefit, relief, or gain, appreciation is oriented toward impact, growth, and formation. Gratitude asks, “What did I receive?” Appreciation asks, “How did this experience shape me?”

Drawing from more than four decades of business partnerships, Patrick reflects on relationships that were meaningful, formative, and at times painful. Some ended without clean resolution and carried emotional and mental weight long after they were over. Through reflection and meditation, the word “appreciation” emerged as his word of the year, not gratitude. This shift opened a new way of integrating the past without rewriting it or forcing emotional closure.

Patrick explains how people often try to force gratitude onto experiences that were costly emotionally, financially, or relationally. That effort can create inner friction and keep old stories alive. Appreciation, on the other hand, allows someone to honor what was learned, acknowledge how they were shaped, and release the need to reconcile what no longer exists.

This episode invites listeners to consider whether they are stuck because they have not healed, or because they are using the wrong frame. By choosing appreciation over forced gratitude, it becomes possible to keep the lesson, release the story, and move forward with greater clarity, integration, and momentum. As Patrick shares, clarity comes from understanding what mattered and allowing it to be complete, and that clarity is what creates velocity.

In this powerful throwback episode of Mindset Matters, Patrick and Steffany explore a topic most people underestimate but almost everyone participates in: gossip. What begins as a discussion about energy leaks quickly evolves into a deeper conversation about trust, values, emotional safety, and the unseen impact our conversations have on our lives, relationships, and leadership.

Patrick and Steffany challenge the common belief that gossip is harmless. They explain that anytime we speak about someone who is not present, we are sharing our interpretation, not the truth. Even when comments seem neutral or positive, they can distort reality, weaken trust, and quietly create toxic environments. Over time, this erodes relationships, damages cultures, and pulls people away from meaningful connection.

Steffany brings forward the idea that gossip often replaces courage. Instead of facing our own emotions, setting boundaries, or having direct conversations, we vent sideways. This may offer temporary emotional release, but it does nothing to create growth, healing, or clarity. Patrick reflects on how gossip can sometimes act as a subtle form of self elevation, positioning the speaker as important, informed, or “in the know,” while slowly compromising integrity.

Throughout the episode, they share personal stories from business, sport, and life that highlight the long term cost of gossip, and the power of taking a stand for higher standards of communication. They invite listeners to examine the conversations they participate in and ask a simple question: does this elevate someone, or diminish them?

This episode ultimately reframes gossip not as a social habit, but as a mindset issue. One tied directly to leadership, emotional maturity, and the quality of environments we create around us. When gossip leaves, clarity, trust, and real connection have room to grow.

In this episode, entrepreneur and radio host Jim Beach joins Patrick to challenge the usual “doom and blame” tone of climate and environmental conversations. Jim argues that real progress comes from capitalists and small businesses that build practical, profitable solutions. Instead of waiting for government or NGOs to fix complex problems, he believes entrepreneurs can reduce risk, start small, and solve issues one step at a time.

Jim shares the origin story behind his book, The Real Environmentalists, inspired by Wayne Elliott, a hands-on ship and battery recycling leader. That relationship sparked a deeper search into for profit environmental companies that are actively tackling problems like microplastics, clean water, and reef restoration. Jim’s central message is optimistic: solutions are already being built by people who work daily in the real world, not by those performing for attention.

The conversation also explores what separates dreamers from doers. Jim and Patrick discuss motivation, the “chip on the shoulder,” and why most people never execute even when the path is clear. Jim emphasizes bootstrapping, testing a business under $5,000, and proving the model before scaling. He also critiques traditional education and argues that individualized learning and practical skill building matter more than theory.

Finally, they unpack AI and productivity. Jim sees AI as an economic opportunity that can create jobs and accelerate output, while still requiring human guidance and critical thinking. The episode ends with Jim’s call to action: get off the sofa, reduce risk, build something real, and leave the world cleaner than you found it.