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962: Marshall Goldsmith Giving Away All His Knowledge through AI

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Marshall Goldsmith unveils his latest (free!) innovation in the field of artificial intelligence: MarshallGoldsmith.Ai.

You’ll Learn:

  1. Why Marshall put all of his leadership knowledge inside a bot
  2. Where AI excels and where it falls short 
  3. Crucial considerations before using–and making–AI bots 

 About Marshall

Dr. Marshall Goldsmith is the only two time Thinkers50 #1 leadership thinker in the world. He has been recognized as the #1 executive coach in the world for over a decade. He is the #1 New York Times best selling author of books that have sold over 3 million copies including What Got You Here Won’t Get You There, MOJO, Triggers and The Earned Life. He is the only living author that has 2 books recognized by Amazon.com as the Best Leader and Success books of all time. He has over 1.5 million followers on LinkedIn alone.

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Marshall Goldsmith Interview Transcript

Pete Mockaitis

Marshall, welcome back.

Marshall Goldsmith

Very good to see you again. Thank you for inviting me.

Pete Mockaitis

Oh, it’s good to see you again. I’m seeing a familiar backdrop. I remember you invited me to your home last time, and that was super cool. But I think this joke maybe has already been done before, Marshall, but if you’ll forgive me, I have to ask. Is it actually you, the human being Marshall Goldsmith, I’m speaking to?

Marshall Goldsmith

This is indeed me, the human Marshall version.

Pete Mockaitis

Okay. Okay. Because I’ve used the Marshall Bot, the AI situation that we’re talking about, and I didn’t think it could do a video of your face yet. Is that accurate?

Marshall Goldsmith

That is coming.

Pete Mockaitis

Okay.

Marshall Goldsmith

Now, the sequence of events is text first, then voice, then video, then video and multi languages, and then, ultimately, the metaverse.

Pete Mockaitis

Okay, yeah. You have a very clear pathway but let’s back way up to the beginning. So, all right, Marshall, we got a MarshallGoldsmith.ai. What’s the story here? What’s that about? Why? Tell us everything.

Marshall Goldsmith

I’ve always wanted to give away all that I know to as many people as I can. And I’ve done a pretty good job of it, yet I’ve tried to figure out some technology to make this work. I have pretty much 20 years of abject failures to my credit. I tried things like interactive videos, you know, $3,000 clunky boxes that weighed a ton and didn’t work. I mean, I have tried so many things with nothing but failure until the last year.

So, just in the last year, in hindsight, by the way, we had a whole group of people trying to figure out how to do this. It was really like having a hundred monkeys in a room waiting to type the Gettysburg Address. It wasn’t going to happen. We tried and failed. It wasn’t going to happen. So, what happened is now, after the advent of this new technology, it is mind-blowing. And not only is what I thought it would be, it’s about a hundred times better than I thought it would be.

Pete Mockaitis

Okay, cool. Well, so the technology to, as I’ve experienced it, I go to MarshallGoldsmith.ai, which all listeners can do right now. I can type in some questions or things and it will give me a response. And I can even play your voice, to hear your voice doing that response. So, that’s kind of fun. And so, tell me, how does this differ from, say, ChatGPT?

Marshall Goldsmith

Well, a couple of ways. First, everything that is a computer bot is biased. Let me give you what I mean by that. Let’s say you ask a question, “What is leadership?” A simple question, but there are 30 different definitions. My old mentor, Dr. Paul Hersey taught me, he said, “Look, always use an operational definition. Never say it’s the right definition. Just say it’s your definition. There are many ways you can find words. Don’t get into semantic contests.”

Well, when you use Marshall Bot, it’s my definition, so at least you know whose opinion you’re getting.

Pete Mockaitis

All right. So, duly noted, fair enough. Every AI bot will be biased in one way or another. With the Marshall Goldsmith.ai, we know it is biased in all the ways Marshall Goldsmith is biased.

Marshall Goldsmith

And my bot has no political opinions. No political opinion, no medical advice, and no financial advice. So, mine is programmed just to give you advice about people issues or things I may know something about. Anything else that’s outside of my bailiwick, boom, it doesn’t talk about.

Pete Mockaitis

Well, I actually really appreciated that. I’ve asked it several questions and it says, “I apologize, apologize.” It double apologizes. Maybe that’s a quirk or a bug, “But this question is outside of my expertise. As an executive coach, I am only able to answer questions related to my life teachings and books.”

I was really having fun with it. It was like, “Hey, who calls you every day with those questions? And what are they?” It’s like, “My friend Jim Moore asked me these daily questions.” Okay, cool. It’s like, “Hey, did your daughter win Survivor?” “Well, my daughter, Dr. Kelly Goldsmith, was a contestant. She got far but didn’t quite win.” It was like, “Okay. All right. This is sure enough.”

Marshall Goldsmith

Ask it. Ask it why I wear a green T-shirt every day.

Pete Mockaitis

You know, I remember looking at your closet, there’s like a dozen green shirts.

Marshall Goldsmith

“Why do you wear a green polo shirt every day?” ask it that, “Why do you wear a green polo shirt?”

Pete Mockaitis

Let’s do it. Let’s do it. And, guys, you can have the same fun at home at MarshallGoldsmith.ai. Marshall Bot is thinking, ellipsis, “The New Yorker Magazine wrote a story. Larissa MacFarquhar noted you always wear a green polo shirt. You didn’t do that, but that’s what you remembered. Now they expect it from you.” Okay, that’s fun. Well, so we got a thing. Maybe we got a thing, it’s different in that the training dataset is not the whole internet, it’s just your stuff, like your books, your blogs, your articles. This is what it was built off of. I don’t know, am I in there? Is the interview? Like, I interviewed you, would our source material be there?

Marshall Goldsmith

Answer is I don’t know. Let me tell you, though, what it does do that I had not planned and only started doing like a month or two ago. My daughter wanted to trick it, so she said, “Aha, how is utilitarian philosophy related to your coaching?” I don’t know what utilitarian philosophy is. It gave this brilliant answer.

You can ask it, “How is Islamic philosophy, Buddhist philosophy anything related to my coaching?” it’ll answer it. So, what it does is it actually does peruse the internet, yet it puts everything through the filter of what it knows about me. Then it answers it in my voice in a way that is pretty much 100% what I would say. And, by the way, in about five seconds. This is mind blowing. This is not, by the way, what I expected. It’s way better than what I expected.

Pete Mockaitis

Okay. Cool. And I see that the tech platform underlying this is from a company Fractal.ai. Do we know, what are they working with? Do they have their own model? Or is it Gemini? Or is it…?

Marshall Goldsmith

I don’t know. Let me tell you, I’ve been a very unusual sequence of characteristics that makes this possible. Not too many people have their own sophisticated AI computer bots. So, this is reasonably unusual, number one. Why? For four reasons. One, I got a lot of followers. So, I’ve got 1.5 million followers on LinkedIn. Well, you give away everything you know, if you don’t have any followers, guess what? No one cares. You give away. Nobody cares.

Number two, I’ve got a lot of content. You really need a lot of content to make this work. If you have a tiny amount of content, it’s not really worth it. Number three, I’m willing to give it away. So, not too many people have a lot of followers, a lot of content and want to give it away. And then, number four, I’ve got some nice people at Fractal that are writing big checks to pay for it.

Pete Mockaitis

Oh, okay. Cool. So, you part with zero dollars in order to have this capability.

Marshall Goldsmith

Zero.

Pete Mockaitis

There you go. Cool.

Marshall Goldsmith

On the other hand, I don’t charge anything. And they don’t charge anything. Now, let me tell you another thing I love about this. There isn’t some trick door. See, normally when you get something for free, it’s like, “Well, yes, you can get this for free. Yeah, if you spend just a little bit more, you go through the magic door and you get…” you know, there’s always upsell. What I love about this is there is no upsell. The only trick is there isn’t a trick. It’s actually free. You’ve been using it, right? It’s free.

Pete Mockaitis

All right. Well, so then tell me, in terms of if a person just wants to get some value from this, and it’s just, “Hey, I got a question about leadership, whatever. I’m just going to drop by MarshallGoldsmith.ai, and then just ask it.” And that’s sort of how you envision it being used? That’s that.

Marshall Goldsmith

Anyone in the world that wants to. Ultimately, by the way, ultimately in multiple languages.

Pete Mockaitis

Yeah. Okay. Cool. All right.

Marshall Goldsmith

It’s not there yet, but ultimately the goal is video and multiple languages.

Pete Mockaitis

Well, so now as compared to, if someone were to straight up hire you as a client, you are their executive coach, and so you’ve got many famous CEOs from across the years who have been your clients.

Marshall Goldsmith

Either, number one, they’ve got to be running a huge nonprofit that does good or, number two, they’re writing a nasty check.

Pete Mockaitis

Certainly. So, right there, we got some savings and better access, so there’s some advantages. But how would you compare/contrast the experience one would have, having you, the human being, coach extraordinaire, Marshall Goldsmith, versus MarshallGoldsmith.ai?

Marshall Goldsmith

MarshallGoldsmith.ai is an information and knowledge bot. It’s not really a coaching bot as such. It’s information and it’s knowledge through the prism of me. That’s really what it is. Now, when I coach people, yeah, you’ve seen me, I just give people crap all the time, you know, I make fun, I’m a terrible coach. Although I get ranked number one coach in the world, God knows why.

But anyway, I always give people a hard time, joking around with them, having fun. I mean, the bot is a bot. It doesn’t tell jokes too much and it doesn’t have some wacky personality, and so it’s probably not as funny as me, and it also doesn’t ask questions as much as me. What it does is it’s not really designed to be a coaching bot. It’s designed to be an information and knowledge sharing bot.

Pete Mockaitis

Okay. Understood. So, in a way, it’s going to give me something that’s a little bit more customized and on target above and beyond to, say, a Google search, better than Google searching your archives of stuff. I’m getting better…

Marshall Goldsmith

And better. Number one, better, and, two, it’s a pain in the butt. Let me give you some real examples. And as, you know, I can always mention names of my clients. One of my clients is Dr. Patrick Friis. Now, Dr. Patrick, I am a volunteer for him because he’s running the Rady Children’s Hospital. I don’t charge him lots of money, so little kids get…little kids don’t get health care. That’s kind of tacky. So, his is all free, but he’s merging with another children’s hospital, so they can have one of America’s largest children’s hospitals, right?

He asked me, “What’s it like to be a co-CEO? What’s good about it? What’s challenging about it? What ideas do you have?” But that’s a hard question. There really aren’t many co-CEOs. Now I’ve met a few. Some are very successful, like KKR. Most aren’t, right? Most aren’t. And I asked Marshall Bot. The thing had a brilliant answer. No offense to me, it was a much…I agreed with it all, but it was more detailed and thoughtful than my answer.

Then he said, “Well, that’s really good. How about this issue of setting boundaries? That seems very important with the other co-CEO.” Boom! He goes into great detail about that. It was amazing. Then he asked me anything I’d like to add to it. Well, I kind of threw in a little something. I think he tried to make me feel good, “Oh, Marshall, your comment is good. Your comment is good.” I don’t think I added very much. I mean, I think, really, if you had a contest, it versus me, it wasn’t close. Its answer was way better than my answer.

Pete Mockaitis

Okay. So, when it comes to digging up relevant information, it can do that way quickly and way thoughtfully. When it comes to having a rich two-way back-and-forth question dialogue leading somewhere, it just doesn’t have that capability.

Marshall Goldsmith

That’s not what it does. For example, it’s not going to look at you and say, “Okay, why are you sending that for? You know, why are you trying to show off?” I fine my clients $20 every time they start a sentence with no, but, or however, right? So, I talk to them, and my client said, “But, Marshall…” I said, “That’s free. If I ever talk to you again, you say no, but, or however, I’ll fine you $20.” He said, “But, Marshall, 20.” “No, 40. No, no, no, 60, 80, 100. We lost $420 an hour and a half. At the end of the hour and a half, we said, thank you. I had no idea.

I was talking with another client who’s worth hundreds of millions of dollars, right? Hundreds of millions. He’s 53 years old. He’s good-looking, healthy, got a nice wife and three good kids. He’s not happy. You know what I told him? “Raise your right hand, repeat after me. My name is Joe and I’m an idiot.” I said, “You’re an idiot. What is wrong with you? If 99% of the world were listening, they’d be like, ‘What a fool!’ And they’re exactly right. You’re an idiot.” You know what he said? “Thank you.” Marshall Bot is not going to do that.

Pete Mockaitis

Okay. Understood. So, we got a clear distinction there. So, then, well, I’m curious, thinking broadly about this AI stuff, do you imagine there will be other bot implementations of knowledge bases kind of on the scene emerging in the future?

Marshall Goldsmith

Oh, yeah. I would imagine pretty much everybody’s going to have to do this. I mean, every corporation is going to have to do this. They’re going to have to have their own AI bot of sorts. And I’ll tell you one thing I know that they don’t know. They don’t know how hard it is. I’ve put hundreds of hours into this thing already. This is a lot of work. And it’s easy to do. It’s hard to do right.

Pete Mockaitis

Now the hundreds of hours, I mean, are we counting the time, like writing all those books that you wrote that go into it? Or are we talking about on top of that?

Marshall Goldsmith

On top of that.

Pete Mockaitis

What does that consist of? Like, what were you doing to make that come to fruition?

Marshall Goldsmith

Give it feedback.

Pete Mockaitis

Okay. You’re like, “No.”

Marshall Goldsmith

Marshall Bot, I can change the answers. I ask it a question; it gives an answer. Parts I like, I keep; the parts I don’t like, I get rid of. Now, let’s say, if you ask it a question, but maybe it doesn’t have an answer, like somebody asked me, “How is your coaching related to, oh, I think Nietzsche’s philosophy or something?” Well, it didn’t know.

All I have to do then is go to ChatGPT, and say, “How’s my coaching philosophy related to that?” and then it gives an answer because it knows who I am, “How’s Marshall Goldsmith’s coaching philosophy related to that?” It’ll give an answer. On the other hand, I don’t always like all the answer. So, the part I like, I use that to teach my bot. The part I don’t like, I just get rid of. So, I’m using the other bots to train my bot.

Pete Mockaitis

Alrighty. And so, now that you’ve been through hundreds of hours of this, it sounds like you’re pleased with what it’s outputting. Do you still have to say, “Hmm, not quite right? I got to tweak this some more” from time to time?

Marshall Goldsmith

I would see this as a never-ending project. This is legacy for me. I’m 75. I’m going to be dead anyway. I’m just giving everything away. What am I saving it up for, right? I’m just giving everything away to people. My goal is just do a little good here. So, this, to me is, as long as they’re willing to support this, I plan on doing this as long as I can.

Pete Mockaitis

Okay. Well, do you have any pro tips on asking questions effectively? Or, I guess, the kids might call it prompt engineering to get excellent output.

Marshall Goldsmith

That is hugely important, because, for example, you might ask it a question, and you think, “Well, gee, I really wish it elaborated on point B.” You just need to learn to ask it to elaborate on point B.

Pete Mockaitis

Okay, sure.

Marshall Goldsmith

But if you don’t know that, you don’t know it. So, prompt engineering is very important. and sometimes you do need to be patient. Like, I recently did a test, and somebody did it and they didn’t get exactly what they wanted. I just re-did the wording just a little bit, they got exactly what they wanted. So, sometimes you do, it’s like anything else that’s new, you have to tinker around with it a little bit.

Pete Mockaitis

Okay. And tell me more, any other top best practices, worst practices, do’s and don’ts for asking bots questions well?

Marshall Goldsmith

Here’s the problem. Let’s say, “Why don’t people do what they know they should do?” Well, often the idea is they don’t understand it. That’s seldom the case.

If you look at my research, I did a research study called “Leadership is a Contact Sport” with 86,000 people. Anyone’s interested, send me an email, Marshall@MarshallGoldsmith.com and I’ll send it to you.

Eighty-six thousand people. The problem is the theory. They all went to exactly the same course. And then I measured, “How much follow-up did you do after the course?” The people that did no follow-up might as well have been watching sitcoms. It was a total and complete waste of time. And the people that did lots of follow-up got a lot better, “Well, you know, I learned.” No one got better because they went to the course. You got to do something.

Well, the advantage the coach has is the coach reminds you to actually do something, follows up with you, and make sure you’re doing something as opposed to just knowing a theory. From a theory point of view, I can tell you, in terms of if you’re a coach or advisor, do not compete with Marshall Bot. You’re not going to win. Look, I got to rank number one coach and number one leadership thinker in the world. I can tell you. I cannot even get close to competing with this thing. Well, no offense to the rest of the world, if I can’t get close, you can’t either.

Pete Mockaitis

Got you. You can’t come close to competing with it in terms of offering good content answers.

Marshall Goldsmith

Exactly, knowledge. I mean, you can’t get into a knowledge contest with this thing, you’re not going to win.

Pete Mockaitis

It’s got to like the AIs who can crush it in chess or Jeopardy, the knowledge contests. Well said.

Marshall Goldsmith

You can’t beat it.

Pete Mockaitis

As opposed to the accountability emotion stuff because a lot of times, in my experience, a great coach, part of what they bring to the table is just their observation. It’s like, “Hey, I see that you seem to like your energy just kind of dropped there. What’s going on there?” And then you surface something.

Marshall Goldsmith

I’ll give you another one. One person, the first time I met him, he’s introducing himself, so I’m taking notes. After an hour, I said, “Well, I’m now going to read you six times, in the past hour, when you pointed out to me how smart you were. Six.” I read them all back to him, and he was so embarrassed, he goes, “Oh.” I said, “Oh, you’re really not an ass. You’re a really nice guy. You just spend a lot of time proving how smart you are.” This guy had an MD and a PhD. His whole life was proving how smart he is. So, it’s just hard to stop. Well, the computer bot can’t do that.

Pete Mockaitis

All right. Well, I’m curious, so if listeners are thinking, “Wow, I or my team or my organization needs to make our own bot,” can you offer some pro tips, some do’s and don’ts for the creation of your own bot?

Marshall Goldsmith

First, don’t. Don’t assume that technology people can do this for you. It doesn’t matter how good they are. They cannot do this for you. I’ve learned as human beings ask questions in a thousand different ways, and you got to sit there and give this thing feedback. And if your customers are asking it a question, you got to make sure that it’s a good answer.

Let’s say you go to ChatGPT, you say, “All right, what awards have Marshall Goldsmith won?” A simple question. I’ll say, “Give me 20.” Well, 10 of them, I’ve actually won. Five of them are awards I didn’t win. And then the next five, they’re not even awards. It just makes it up. Then I say, “Okay, give me 20 more.” Then it makes everything up. It just starts making stuff up.

Well, you can’t have a business, say you’re in a hospital, you can’t have something representing you making up stuff. You got to have somebody check to make sure this stuff, is it sane here, so it’s not giving you crazy advice. Well, I mean, it might be mildly humorous if ChatGPT or Gemini does that crazy stuff. It’s not mildly humorous if it’s your hospital.

Pete Mockaitis

Absolutely. And so, it seems like, in certain contexts, you might just have to have a human right there intercepting everything. It’s like, “Ooh, that sounds good. That sounds not good.”

Marshall Goldsmith

Well, you need to train it.

Pete Mockaitis

Right. Well, upfront training, and then maybe even real-time interposition.

Marshall Goldsmith

Oh, yeah. You’ve got to ask it question after question. I would say after X number of months, you probably don’t have to have a human there because after, say, six months, most of the questions that are going to be asked have been asked I’ll give an example, “How is humor related to your coaching?” Okay, I never wrote about that. It gave a great answer. The potential of this is amazing.

On the other hand, it’s hard work to do right because humans do not ask questions as you want them to. They kind of ask whatever question they feel like asking.

And also, you got to watch it because people will try to trick the bot, just like you did. They’ll try to get it to talk about politics, or controversial things, or stuff it shouldn’t talk about. Well, you can’t do that in a hospital setting. You just can’t do that, or in a medical setting, or in a corporate setting. You can’t have this thing making mistakes.

From my experience, you got to have to have real content experts do the training, not technology people. Because if you get technology people only, that’s when it goes off the rails because they don’t understand the customer.

Pete Mockaitis

Yeah, that’s good. All right. Well, Marshall, let’s have some fun with this. I was going to ask about your favorite things, but I might ask Marshall Bot each of the favorite-things questions, and then have you comment on the extent to whether that was accurate.

Marshall Goldsmith

It may or may not have any idea how to answer these questions.

Pete Mockaitis

We’ll say, “Can you share with us a favorite quote, something you find inspiring?” I’ll give you the Marshall Bot answer and then you can give me your answer.

Marshall Goldsmith

Okay, I’ll be curious. Yeah, mine would be “What got you here won’t get you there.”

Pete Mockaitis

Okay. Marshall Bot says, “Successful people become great leaders when they learn to shift the focus from themselves to others.”

Marshall Goldsmith

By the way, equally good.

Pete Mockaitis

Okay. And can you tell us about a favorite book?

Marshall Goldsmith

Favorite book, yes. Favorite book, “Old Path, White Clouds” by Thich Nhat Hanh. Second favorite book, “The Wizard of Oz.”

Pete Mockaitis

“Old Path, White Clouds” it is. All right. Okay. Let’s say, can you share with me a favorite study or experiment or piece of research?

Marshall Goldsmith

Well, I don’t know if I’d call it a favorite, but one I quote all the time is the marshmallow research. And I quote that, talking about what you should and shouldn’t do. I’m not sure Marshall Bot would interpret the same question as the way I did, but see what it says.

Pete Mockaitis

That’s right.

Marshall Goldsmith

It might say “Leadership is a Contact Sport,” by the way.

Pete Mockaitis

It said you used a series of six active questions that participants answered every day for 10 working days.

Marshall Goldsmith

Yeah, that one. That’s a good study, too. Yeah, it’s from the magazine Dialogue.

Pete Mockaitis

Well, now I got to know. What were those questions or what happened?

Marshall Goldsmith

Oh, well, here’s what happened. Every day, I have people answer six active questions. My daughter, Kelly, taught me about active questions. They all begin with the phrase, “Did I do my best today?” So, everything, like employee engagement is a passive question, “Do you have clear goals? Do you have meaningful work?” Nothing wrong with it. But then it gets people talking what’s wrong with them. Nobody says, “What’s wrong with me?”

The active questions say, “Did I do my best?” so you can’t blame someone else. So, the six questions are, number one, “Every day, did I do my best to set clear goals?” Number two, “Every day, did I do my best to make progress or achieving the goals I set?” Number three, “Every day, did I do my best to be happy?” Number four, “Every day, did I do my best to find meaning?” Number five, “Did I do my best to build positive relationships? And did I do my best to be fully engaged?”

So, rather than blame everybody else for your lack of engagement and meaning in life, you start blaming yourself. You take some responsibility. People that ask themselves these questions every day, huge, get better at almost everything.

Pete Mockaitis

Okay. Thank you. And now can you name a favorite tool you use that helps you be awesome at your job?

Marshall Goldsmith

I would guess if you have to say something, it would be customized 360 feedback.

Pete Mockaitis

All right. Marshall Bot says, “Feed forward.”

Marshall Goldsmith

There you go. Even better. I told you Marshall Bot is better than me. That was a better answer than my answer.

Pete Mockaitis

And how about a favorite habit, something you do that helps you be awesome at your job?

Marshall Goldsmith

Daily questions.

Pete Mockaitis

Okay. Marshall Bot said feed forward again. All right, sure. And then I ask about a resonant nugget, a quote of yours that really connects, resonates with folks, and they repeat it back often, Kindle book highlight it, retweet it, etc. What’s a Marshall original gem that you’re known for?

Marshall Goldsmith

“To help others get better, start with yourself,” or, “What got you here won’t get you there,” of course.

Pete Mockaitis

Okay. Yeah. We’ve got something similar, “One of the most important actions or things that a leader can do is lead by example. If you want everyone else to be passionate, committed, dedicated and motivated, you go first.”

Marshall Goldsmith

Very similar principle.

Pete Mockaitis

All right. And if folks want to learn more or get in touch with you, where should they find you?

Marshall Goldsmith

Marshall@MarshallGoldsmith.com. And to get to Marshall Bot, it’s all free. Just MarshallGoldsmith.ai.

Pete Mockaitis

Okay. Cool. And then I would say, do you have a final challenge or call to action for folks looking to be awesome at the job?

Marshall Goldsmith

If anybody asked Marshall Bot 500 questions within the next five days, send me an email and I’ll personally spend a half hour time coaching you.

Pete Mockaitis
Now there is a challenge.

Marshall Goldsmith

Now the record so far on that challenge, one person did ask a thousand questions. But whatever date you air, five days after that, if somebody sends me a note, say, at Marshall@MarshallGoldsmith.com, and says, “I asked Marshall Bot 500 questions within the five days,” I’ll spend an hour just talking with him.

Pete Mockaitis

All right.

Marshall Goldsmith

That way, it’s also great for me because I learn out their experience. See, that’s another way I’m learning. I challenge people to do this, and the ones that ask a lot of questions, and we talk. And, obviously, they’re very serious, they want put in that much time.

Pete Mockaitis

Yeah, beautiful. All right. Well, Marshall, this has been fun. Thank you. And I look forward to having more enjoyable conversations with Marshall Bot.

Marshall Goldsmith

Thank you so much. Greatly appreciate you inviting me to talk with you.

961: How to Get Better at Anything Faster with Scott H. Young

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Scott H. Young shows how to get better at getting better.

You’ll Learn:

  1. The promise and pitfalls of copying the pros
  2. The See-Do-Feedback model of learning 
  3. How to build the perfect environment for learning 

About Scott

Scott H. Young is the Wall Street Journal bestselling author of Ultralearning, a podcast host, computer programmer, and an avid reader. Since 2006, he has published weekly essays to help people learn and think better. His work has been featured in the New York Times, Pocket, and Business Insider, on the BBC, and at TEDx among other outlets. He doesn’t promise to have all the answers, just a place to start. He lives in Vancouver, Canada.

Resources Mentioned

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Scott H. Young Interview Transcript

Pete Mockaitis

Scott, welcome back.

Scott Young

Oh, thank you for having me.

Pete Mockaitis

Well, I am excited to hear wisdom from your book, Get Better at Anything. Tell us, any particularly surprising or fascinating discoveries you made as you’re putting this together? You’ve been in the learning game for a while. So, tell us what’s new and fresh and interesting for you in terms of learning about learning?

Scott Young

Well, I mean, it’s funny because I wrote a book and I talked to you about it probably about five years ago, Ultralearning. And after I wrote that book, I’m like, “Well, I’m not going to need to write another book about learning.” And as I started digging deeper and deeper, and more and more into the research, I was like, you know, there’s a whole new book here, there’s a whole new set of ideas. And so, basically, this entire book was me including things where I was like, “Oh, that’s neat, I didn’t know that,” or, “Oh, that’s surprising,” or, “That’s useful and no one had ever explained that to me before.”

So, I think when you write these books, you’re also writing for yourself, in a way. You’re writing kind of like, “What did I wish I knew before I read hundreds of books and hundreds and hundreds of papers and this kind of stuff?” Like, what would have been nice for someone to be like, “Oh, here’s a summary of what you need to know.” And so, I mean, that was the starting point for writing this.

Pete Mockaitis

All right. Well, with that, let us know something particularly surprising, useful, and never before explained to you.

Scott Young

Well, so I think one idea, and this is one that I opened the book with and I think is very important, is the idea that how we learn from other people is an extremely important component, not just in our own individual ability to improve, but the ability for entire groups of people, communities, even fields to improve.

So, the story that kind of captured my interest and got me started writing this book was actually about Tetris. Now, Tetris is a game that came out a little over three decades ago and when it came out it was a sensation. People are obsessed with it. They’re playing it hundreds of hours a week. They’re hallucinating falling blocks. But if you look at the people’s scores by the best people who are playing the game, the people who were playing back then are nowhere near as good as like 12- and 13- year-old kids are today.

And the reason why is because back in the day, if you were learning how to play Tetris and you were trying to figure it out yourself, maybe your brother’s older friend knew a technique and you could learn and copy from them but, otherwise, all the players were essentially disconnected. And now we live in the internet age, and you can see live stream videos of exactly how people are doing it, detailed explanations of the strategies, how you move your fingers, everything like this. And the result has been sort of an explosion in performance.

And I was really sort of drawn to this story, not only because Tetris is kind of a funny out of the box example, but also because of how clearly relevant that is for how we learn things in the workplace, and how we learn things in our professional lives. It’s so much of the knowledge that is needed to perform well is locked inside the heads of a few experts. And if you don’t have access to it, if you don’t have the ability to learn from other people, that can really delay and stall your own progress.

Pete Mockaitis

Well, Scott, yes, I love that part of the book about Tetris, because I have in fact watched the Tetris Classic World Championships a few times and am really fascinated by how, yes, the young folks today in Tetris are heads and shoulders above previous champions in terms of their skill. And your point about how, with YouTube and streaming and such, we can really see what are the best folks in the world doing. And as a result, they are advancing much more quickly.

And by contrast, I would say at the very highest level of, say, chess, that has not been as much of a phenomenon, from what I can gather with Magnus Carlsen arguably being better than Bobby Fisher and others of the world champions historically. But, in a way, chess was well documented for centuries in terms of, “Here are the best games of the best players and they’ve been around for quite a long time.” Whereas Tetris and other domains of knowledge, it’s more of a recent phenomenon that, “Oh, hey, we can all see what the best players are doing in great detail all the time.”

Scott Young

Yeah, I think for chess, part of the thing is that it really lends itself to being documented through text. And I think that’s why you have such a rich history of, like, famous games were played 200 years ago and this kind of stuff. I think the technology needed to document elite-level chess play has existed for a really long time. So, of course, there is performance improvements. And I do think that the arrival of like really good computer chess has changed the game too, because there’s just things.

So that’s, like, not a technological innovation that I’m talking about here, but it is an area that I think explains why some of the better players maybe are better than a generation or two ago is that you can have Stockfish search through the space of possible moves and do research on opening positions and stuff in a way that you had to use the human brain to do until very recently.

So, I do think that there are some innovations there, but obviously a major difference between Tetris and chess is chess is like a discreet game where you move each piece, and you can just write it down and that’s all you need to know about the game. You can do it by correspondence via letters. Whereas Tetris, because it is this human software interaction, you need to know tons of details that are not just about, like, this is where this block went, but the exact timing of certain button presses and these kinds of things.

And that, I think, the ability to witness that, the ability to document those aspects of play, they just weren’t around in the early ‘90s. It was very hard. So, you had people like Thor Aackerlund, who figured out a really good way to press the buttons, but he was the only one who knew it, and so everyone else was doing something else, right?

Pete Mockaitis
Yeah, that’s well said. And it’s funny, I have heard murmurs that amongst, say, unrated players at chess tournaments, they say, “Oh, watch out, the unrated players showing up at chess tournaments are now phenomenal because they’ve been using Stockfish to analyze their games and say, ‘Oh no, see that game you just played? These are actually the very best moves you could have played.’” And so, they’re learning faster.

So, by the time they actually show up on a measured event, it’s like, watch out, unrated players of today are just obliterating unrated players of yesteryear. So that’s, in a way, intriguing, maybe not the very highest championship levels, but at the, in many ways, advances in technology are improving the ability of folks to learn because they could readily see what is optimal.

Scott Young

Yeah, and I think it’s easier to sort of document these phenomena in areas like chess and Tetris where performance is quite objective, it’s measurable, and we have details on, like, what the best people are doing. But I think for that reason, it’s very important to think about these in the kind of softer, squishier context that we usually live in, like, writing a book, for instance.

I was just reflecting on the fact that when I got into writing my first book, that, essentially, if you don’t have a bunch of friends who’ve already published books, the world of traditional book publishing is just completely opaque. It’s just something that very few people understand, people don’t understand how it works, and there’s lots of people that’ll waste years of their life going down a path in writing a book or trying to pursue that as a career, that it’s just a total dead end without realizing it.

And so, I think this is the sort of phenomenon of how can you get access to, “Well, this is what the best practices are. This is how you perform this skill. This is sort of the template,” so that it doesn’t necessarily make you the best Tetris chess player author in the world, but it gets you so much faster up to that frontier. And I think that is just a huge factor in whether or not you’re able to get better, whether you have to reinvent the wheel or whether you’re getting the blueprint given to you.

Pete Mockaitis

Oh, I love that notion there, “Are we getting the blueprint from the best performers in the world? Or are we wasting years of our life pursuing dead ends to really polarize and extremify the ends of it.” And I remember when I was in the early days of podcasting, I went to the Podcast Movement Conference, which is awesome. And folks were like, “How do I grow my podcast? How do I grow my podcast?” And I too wonder that.

And then it became very clear, the answer, according to all the best podcasters in the world, to grow a podcast is to be a guest on other podcasts. Like, that’s the thing you do. Like, it’s not about Facebook ads or tweeting really clever things. It’s be a guest on a lot of other large podcasts and be amazing, so people say, “Wow, I should check that person out.”

And I remember it was kind of an eye-opener for me. It’s like, “Huh, all these top people just keep saying the same thing. Whereas I thought out here, a variety of answers.” And then I shared that with a couple other people, they said, “Yeah, that is the thing I keep hearing.” And it makes sense in hindsight, and I’ve seen success with it myself, but if you’re just sort of taking your best guess or Googling something, you are very likely to end up with dozens of paths when, apparently, one is the very best.

Scott Young

It’s funny, I just want to like to keep pulling on this game analogy that we’ve been using, which maybe I’m stretching it too far. But the basic idea in a lot of games that are played competitively is that there’s this idea of a meta. And the meta is not really like the game itself, but sort of the higher-level understanding of what’s the best practice.

So, in chess that would be like, “What are the openings that are popular? What are the responses that are popular?” So, if you’re a good chess player, you’re going to know, “Oh, that kind of thing was something people did 40 years ago, but most people do this now.” And pretty much any game you can think of has this kind of meta layer.

But the truth is that the same is true in your career, the same is true in your professional life, that there is a kind of meta, there is a sort of, like, what you were saying is that the meta, at least at that point in time of how do you grow a big podcast was, well, you got to be a guest on other people’s podcasts. And I have been doing this sort of, you know, I started out blogging, I have a newsletter, I’ve been doing this for like almost two decades.

And the amounts of changes to the meta as like, “This is the way you build an audience. This is what you do to build a business, this kind of thing.” They’ve turned over, like, five or six times and you always spot people who are very good at picking up this meta. Now, maybe they’re not like the smartest person in the world.

Maybe they don’t even have like, you know, it’s not like this person just has really high raw intellect or this person is the best possible writer, the best possible content creator, but they have a really good understanding of the meta. They have a really good understanding of what is the best practice, what’s working right now, and they’re able to just leapfrog other people in their field because they have that understanding.

And so, that’s something that I’ve really taken to heart in thinking of a lot of skills, because often we take this kind of academic model where we think about like, “Well, the main thing for succeeding in school or for learning is your raw brain power,” but it may be the case that it’s more your ability to connect with other people and to sort of figure out what this sort of best practices is for a field that maybe the smartest people in the room, if they don’t have those connections, maybe they don’t know.

Pete Mockaitis

Yeah, that’s super. And so, you’ve laid out three key factors, the See-Do-Feedback. Can you unpack a little bit of this broadly?

Scott Young

Yeah, so the See is kind of what we’ve already been talking about, “How do you learn from other people?” And the book kind of documents both sort of how enabling this is, like a lot of the cognitive science showing why this matters so much, as well as some of the obstacles, like, “What makes it difficult sometimes to learn from other people?”

Do is obviously practice matters to get good at anything. You don’t just get good at something by watching someone. You don’t get good at podcasting by reading how to make a great podcast online or just listening to podcasts. You have to do it a lot, and same with all skills. But importantly, the kind of practice matters.

And so, there’s a lot of research showing what practice does and what it doesn’t do. And the thing is, is that, a lot of times you can spend years, maybe even decades, working on a skill, continuing to do the same things, and you don’t get that much better at it. You don’t actually improve that much. So, I think a firmer understanding of what practice is actually doing, what it helps with, and what it doesn’t help with is very important if you want to make progress and not waste a lot of effort.

And then, finally, Feedback is important because it’s not enough. We don’t just get things perfectly the first time. We need corrective information from the environment, from coaches, from our own performance, our own interactions with the environment that we care about. And so, there’s a lot of information about how you can finetune feedback to accelerate your growth.

Pete Mockaitis

Lovely. Well, so let’s hit this mystery. What does practice do for us? What does it not do for us?

Scott Young

So, the basic idea, and I mean, there’s a lot of things to unpack here, but when we practice something over and over again, one of the things that’s going on is that we are making the skill more automatic. To use an example, let’s say we’re typing on a computer. And if you start typing and you decide you don’t get a proper instruction, you’re doing the hunting and pecking, you’re using the two fingers, you’re looking at the keyboard.

If you keep doing that, it will become more automatic, more effortless, a little bit faster. So, you will be on some kind of practice curve where you’ll be getting slowly, slowly better over time. There’s lots of studies showing exactly the shape of that curve, and you do continue to get better, but it gets slower and slower and slower over time. So, in the beginning you show this sort of steep part of the learning curve and then it flattens out and flattens out and flattens out.

So, if you’ve been doing it for 10 years, you may not even notice getting much better at it, even if you keep doing it, but, and this is really important, the hunting and pecking strategy never just spontaneously evolves into touch typing without deliberate effort. So, what the practice is doing is it’s kind of ingraining a habit. It’s ingraining a way of doing things deeper and deeper.

Now, in reality, we often, when we’re doing things, we don’t do things perfectly consistently all the time, so there is a chance to improve, to try new methods and work things out. But it shows how, what we were talking about with the learning the best practices, that if you don’t kind of get in the right ballpark, someone doesn’t teach you, “Okay, this is the home row, put your fingers on here. This is how you move to hit the keys,” then all the practice in the world may not transform you into using the right proper technique.

And so, I think that a lot of what we’re doing when we’re practicing is this sort of dialogue between like, “Am I using the right method? Am I using the best practices? And am I getting enough repetitions? Am I getting enough, like, realistic feedback in order to actually ingrain this skill and make it automatic for me?”

Pete Mockaitis

That’s cool. And what’s intriguing is that some activities, feedback is really built in. And I think if we’re playing a game, for example, it’s like, “Oh, hey, I won. Oh, hey, I got more lines than I got before. That’s great.” Or, I’m thinking about, one of my favorite podcasts is Darknet Diaries, and so we talk about hackers. And so, it seems like they kind of get obsessed with the thing, like, “Huh, I wonder if there’s an exploit here? Let me try it. No, it didn’t work. Let me try again. Let me try.”

And so, in some activities, there’s automatic feedback built right in, and in others, I think about podcasts, they’re not. Like, you could go hundreds of episodes and not hear much, or that would tell you to, “Ooh, do what you did last time. That’s amazing,” or, “Stop doing what you did. That wasn’t working so well.” So, how do you think about means by which we get that feedback integrated well?

Scott Young

I think I would even add to that point, because even when you are getting feedback in that kind of environment, it’s not always helpful. I had a conversation with someone about standup comedy and they were talking about, “Well, you’re getting all this feedback from the audience.” Like, why do some comics, they’ve been around for, like, 10 years and they’re just not getting funnier?

And it’s because, well, whether someone doesn’t laugh or laughs at your joke, that can kind of tell you, “Okay, say it this way and not this way.” But again, it’s not going to give you the full space of possibility. If you’re just not funny, if none of the things you’re saying are funny, it’s not going to give you, like, “Well, this is the joke you should have said,” right? You’re just going to be like, “Well, I guess they don’t like me.”

And so, I think that’s true of a lot of creative professions. Like, you write the book and it doesn’t sell, I mean, that is feedback, but, like, what does it tell you? Like, it could tell you, there’s like a million things that could be wrong, right? You don’t actually know. And so, I think for these kinds of complicated domains, this is one reason why we want to try to enhance the feedback that we get.

So, one of the chapters in the book, I talk about how in a more narrow context, this is the context of making judgments. This is not a complicated skill, like writing a book or producing a podcast, but something where you are just making a judgment, like, “Do I hire this person or not hire them? Are they going to turn out or they’re not going to turn out?” Or, if I’m a parole officer, “Will this person commit another crime? Or are they going to behave themselves when they’re out on bail?” and these kinds of things, these kinds of decisions.

And they find that people who have extensive experience have lots and lots of confidence, which is consistent with their idea that their decisions become more and more automatic. They don’t hum and haw over them. They get more and more confident, but they don’t actually get that accurate. And you can make like fairly simple models using spreadsheets that reliably outperform them.

So, in these cases, I think some of the ways that you can augment your feedback is, well, if it’s a kind of creative profession, it’s something where you are, there is some sort of practice, it’s good to have a coach. It’s good to have someone who can look at what you’re doing and offer advice. I would much rather have a good editor read my book and offer feedback than, like, a hundred random readers. I would much rather have a good business coach tell me what I should be doing with my company rather than just 15 product complaints.

I also think that having a brain trust or having a group of people where you can do work, share it with each other, and then offer feedback, advice together can often be very helpful, not because any one of those people knows more than you do, but because they’re better able to integrate information. So, if there was some glaring flaw with what you did and you missed it, it would be much less likely that a group of, like, five or six people would miss it. And so, that’s another way that you can enhance that kind of feedback for those sorts of pursuits.

Pete Mockaitis

Lovely. Well, I’d love to dig into a couple of particular examples for putting these principles into action for learning different things. But, first, could we have maybe your four-minute-ish version of a rundown of your 12 maxims of mastery?

Scott Young

So, the 12 maxims is “problem-solving is search.” I cover the basic theory of like how people solve problems. And this is this idea that we solve problems by searching for a solution in a space, like going from a start to the end point in a maze. And we do that using methods and knowledge that we’ve built up from experience.

The second chapter is “creativity begins with copying.” This is the idea that creative progress is not opposed to copying. It’s not like originality and copying are the antitheses of each other, but that creativity builds from acquiring past knowledge, from mastering methods from the past. “Success is the best teacher” is the idea that the way we build motivation and interest in a subject is by building up successes and having the right foundation of skills so we know the building blocks of how it works.

“Experience makes knowledge invisible” is the next one, and this one is about how, as you gain more experience in a subject, your own explicit understanding of how it works often recedes into the background. And so, this means that when we’re learning from other people, often we have that kind of tension of, like, “How do we learn from this person when, for them, it’s just obvious?” And so, we have to try to use techniques to surface what is obvious to them, but is not obvious to us. That’s the See chapters.

Do, “I have difficulty” has a sweet spot. This is about finetuning the right level of difficulty and finding a practice loop where you go between seeing examples, doing your own practice, and getting feedback. “The mind is not a muscle.” This is based on a lot of research showing what exactly improves with practice and sort of contrary to the assumption that a lot of people have that, if you just do practice, it’s going to make your mental muscles broadly stronger. That’s probably the wrong way to think about how the mind works. A better way to think of the mind is that it’s like a collection of tools built out of knowledge. And so, you need a lot of different gadgets, a lot of different tools to get the job done.

The next one is “variability over repetition.” This is an idea about variable practice, about how practicing with variations in terms of what you’re doing. So, mixing up what you’re practicing, practicing different concepts, putting things side by side, tends to make our learning more robust and our skills more proficient. And then I have “quality comes from quantity,” which is covering Dean Simonton’s work on creativity, showing that as creators reach the sort of frontier of their field, they tend to have about an equal ratio of hits to misses for their creative work, which shows that if you want to have more hits, then you need to make more work.

And so, this has, I think, profound implications for once we get to sort of the edge of doing our field where we’re regularly producing work, finding ways that we can kind of consistently focus on creative output can make a bigger difference than trying other kinds of strategies. I talk about “experience doesn’t reliably lead to expertise,” which is what we talked about before about this idea that with judgments, lots of experts of different stripes show kind of poor predictive ability, and it’s because they don’t get reliable feedback.

“Improvement is not a straight line” is about unlearning and about fixing bad habits and the sort of necessary work of correcting mistakes that inevitably arise in our early performance. And then I have “practice must meet reality,” which is about the idea of engaging in the situation that you’re working in, so not just practicing in the classroom, but getting out in the real world and doing it.

And then, finally, “fear fades with exposure,” where I cover a lot of the research on the neuroscience of anxiety and how exposure to situations that give us anxiety that we’re afraid of, that have not strong danger, we’re not very likely to get supremely hurt, actually cause the fear response to subside. And this is a very important factor if we want to tackle skills that maybe are a little daunting for us.

Pete Mockaitis

Lovely. Well, thank you for that rundown, Scott. So, I’d love to get your view when it comes to finding these super experts. It seems that having lots of years of experience isn’t necessarily the top credential or qualifier to say, “Oh, this is the expert, the master I should be seeing, learning from.” How do you recommend we determine who are the true exemplars, the providers of best practices that we ought to emulate?

Scott Young

Well, so I tend to view it a little differently. So, my thinking is not so much that we want to find that one perfect paragon of virtue that we want to follow, but that we want to look at the community that’s at the frontier. So, if I were looking at embarking on a new field, I want to switch into academia and start publishing. I’m not going to just like find, well, who’s the superstar academic and what they’re doing? Rather, I’m going to find people who are sort of broadly successful in this field, and I’m going to want to meet and interview with a lot of them and see what they’re doing.

Because I think the communal understanding of how a field works, this kind of meta, is often surpassing any individual person. And so, I think that’s one of the real lessons of the examples, like Tetris and these other environments, that the sort of the group can be smarter than the individual. And so, if I wanted to become, you know, I use the example of Octavia Butler, science fiction writing, and how attending workshops was really, really pivotal for her becoming successful professionally, it wasn’t so much that, “Oh, there’s just one person who knows what it is.”

But when you’re in an environment where you’re with a bunch of other people finally who are all doing the same kind of thing, you can learn from each other and you can stitch together an understanding of that field that maybe any individual person doesn’t have all the pieces, all the answers.

Pete Mockaitis

That’s good. And I think that’s kind of exciting or fun for your own learning process as well. It’s, like, if you interview five people, it’s like, “Well, holy smokes, they have their own eccentricities, idiosyncrasies, unique little things, like rare talents that I could ever hope to emulate maybe here or there. But these five people are all kind of saying three of the same things. Like, here’s a theme, a pattern that’s popping up again and again and again. Okay. Do we know it?”

Scott Young

Well, kind of a weird analogy, but the thing that I think about is that they did these studies with overlaying transparencies of people’s faces. And if you overlay a bunch of people’s faces, the net result is a more attractive face than any individual person’s face. This is just averaging out all the features. And I kind of think the same way about understanding a field, is that any individual person is going to know some of the things that are important, but they’re also going to have weird pet theories and idiosyncrasies that just don’t matter at all.

And so, if you just interview that one person, you’re going to be like, “Oh, well, the key to being a successful writer is to, like, work in a basement and, like, not have any light, or the light is bad.” Or, I’m trying to remember which author it was, but she like would lock herself in a hotel room naked or something like that. It’s just like, “Okay, that’s how I’m going to write.”

Pete Mockaitis

That’s the top takeaway from this interview.

Scott Young

Yeah. Now, those little details are going to average out over time as you talk to more people. And especially if you’re in this sort of group environment, and what’s going to emerge is like the things you talked about where it’s like, “Oh, yeah, the strategy for building your podcast is going on other people’s podcasts.” And it’s like, “Oh, okay, that’s the thing that I need to be focusing on.” So, I think we’re talking about this in this kind of, like, professional context, this meta of the profession, but, I mean, this is true even of particular skills, particular subjects.

If you’re learning a language, for instance, and you just talk to one speaker, maybe they have little like quirks in the way they talk that are not very generalized. But if you talk to a dozen people, that kind of broader overlapping imitation, you’re going to average out at, like, “This is how people from this area talk.”

Pete Mockaitis

All right. Well, so let’s put it to practice, let’s say a couple of learning scenarios. Let’s say I want to learn how to generate more great leads for a service business. I’ve got a sales person who’s rocking and rolling, who when we talk to people, boy, the close rate is phenomenal, but we want more people to be booking those meetings with him, and I want to learn, “How do I make leads rain forth? What is the better approach?”

Scott Young

Yeah, the first place for starting with that would be, like, find kind of people who have similar service businesses and what are they doing to get leads because, again, there’s going to be some kind of, among the business community, among the industry, there’s going to be some kind of meta understanding of, like, “What are people doing to generate leads? What are the strategies that are working? What things don’t work?” And chances are there are some things that you’re doing right and some things that you’re missing out on, that other people are doing this and you’re not doing it. And so, getting to that frontier is the sort of first step.

And so, if you’ve already spent a lot of time in a field, you know lots of people, again, maybe that gap is, like, there’s only 10% of the things you’re not doing. But if you’re new to an industry, or if you are shifting into field, or the field’s rapidly changing because of technology or new opportunities, maybe there’s lots of things that you’re missing out on. So, that’s the see part and that’s very important.

The next part is doing the practice. So, you have to make those calls, you have to make those efforts, you have to learn from those attempts that you’re doing to generate leads. So, I think often being able to document what you’re doing and making sure that you’re making enough efforts in that regard. And then getting feedback, obviously, seeing what works, what doesn’t work, and being able to measure that precisely often makes a big difference.

Especially in business domains, that’s one of the big things is that people have gut feelings about what works and what doesn’t work. And then you show them the numbers and then you’re like, “Oh, okay. I actually have a bit of a different picture now because I have data on it and not just feelings.”

Pete Mockaitis

And that’s great. What I find interesting is maybe in all fields, I think overconfidence is a general human bias, which is just fascinating me lately. But let’s just say you may very well talk to some experts in marketing who will tell you, with great confidence, conviction, certainty that, “Oh, this ad is garbage. This is the way to go. Forget that platform. This is the thing.” And what really is the ultimate arbiter of truth in this domain is the results generated as opposed to the guesses of the results that will be generated.

Scott Young

Well, I think when you are in, like a direct marketing kind of business or any place where you’re fairly close to the feedback, like your efforts, the things you’re doing fairly directly lead to some kind of material consequence, I think that kind of keeping that tight practice loop with the feedback is so important. And I think pretty much anyone who’s quite successful in that business is very data driven. They’re very much driven based on like, run a lot of tests, see what works, run a lot of tests, see what works.

I think where you get into trouble is when there’s a much longer lead time between your taking action X and you’re getting some results, and maybe there’s all these complex intervening factors and so you can’t do that. Like, we were talking about publishing a book for instance, you don’t get to iterate as fast, maybe publishing a book. And so, that’s when you’re sort of maybe relying a little bit more on what is best practice, what are some of these things as opposed to just getting that direct feedback and learning directly from your mistakes.

Pete Mockaitis

All right. Well, let’s say we got a professional and they are noticing this frustrating trend. They’ll say something in a meeting and there’s not much of a response. And then someone else will say almost the same darn thing, Scott, and folks are like, “Oh, yeah, that’s a great idea. Let’s move on this.” Like, what’s going on here? And they would like to be the person who, when they say things, it is listened to, it has weight, gravitas, it is acted upon instead of brushed aside or ignored. How might we learn such a thing, Scott?

Scott Young

Well, I think it also depends on what the skill is that you’re trying to learn because why are you being dismissed? Why are you being overlooked in the meeting? I know that some of that can just break down to, like, raw communication skills. Like, if you’re whispering, “Maybe we should do this, this kind of thing.” Or, if you’re saying it confidently, those things can make a difference.

But I would say, from my personal experience, being in meetings and doing some of these things, some of the things that are even more important is not only the stature of the person who’s giving the thing, if someone is widely seen as being like the expert on X and they give advice. Like, if I go to a doctor and they tell me, “Oh, you need to be doing this, taking this medicine,” versus my buddy, Steve, or something like that, who read some websites, I’m going to listen to the doctor and not Steve.

And so, sometimes the thing that you’re trying to improve is not even a skill at all. It’s just trying to, like, “How do I position myself so that I can be seen as credible when I’m offering advice here? What is my track record, what’s this? Or what’s the sort of evidence I’m bringing up? What’s the kind of like things that I’m using to argue my favor?”

So, if maybe I don’t have that, “I’m the Wizard of X, and I have all this great track record so everyone listens to me on this,” do you have the data? Like, if you’re trying to make a proposal for it and you’re like, “You know what, we’ve shown that it’s going to improve efficiency by this amount, and this is how we know this,” it’s like, “Oh, this person did their homework.” That can make a big difference too.

So, I think anytime you’re encountering difficulties, anytime you’re encountering kind of roadblocks, it’s very important that you have the right mental model for what the problem actually is because if you think the problem is you’re not being confident enough, but everyone else thinks the problem is, “Well, you’ve only been at this firm for one year, and I don’t trust what you have to say,” then it’s a different kind of problem, right?

Pete Mockaitis

Absolutely. I think that’s, in many ways, perhaps a step zero. It’s, like, before we go off on a quest to learn a thing, let’s make sure that the thing we’re learning will lead us to the result that we’re after.

Scott Young

Yeah, like the way that I opened the book is talking about problem solving, and like the big thing about solving a problem is that you have to be working in the right problem representation. There’s the famous nine dots puzzle, which is like a grid of nine dots. And the question is, like, “Can you draw four lines without lifting up your pencil to do it?”

Now, I know if you haven’t done it before, you can Google it and see what it is and take a look at it. But the reason that people fail the problem is not because the solution is, like, impossible or it’s really hard. It’s because you and your head eliminate the possibility that would allow you to solve it. So, it seems impossible until someone shows to you, like, “Oh, I didn’t know you could do that.”

And so, a lot of the problems that we face in our work and our lives, we fail because we set up the problem the wrong way, we use the wrong language, we use the wrong mental model to describe the problem, and then we get into an impasse. So, like, as I was saying, you always have to sort of interrogate those assumptions you have. If the assumption you have is that, “Well, people aren’t listening to me at the office because of X,” it could be true, it could be the right answer, but if that assumption is wrong and then you spend a lot of time working on it, you might not see results.

And so, with any kind of business problem, any kind of professional problem you have, that’s the first thing is to just be like, “What are the assumptions that I already have? What are the ways I have of representing the problem that maybe exclude the real solution?”

Pete Mockaitis

Scott, what are your pro tips for when we’re learning a thing and we’re feeling frustrated, irritated, annoyed that it doesn’t seem to be going well? It’s like, “I keep producing junk, failing, messing up, and it’s an unpleasant sensation.” How do you think about that process?

Scott Young

So, I like to think about every emotion that we experience has been something that has been evolved in our brain to send us some kind of message. And so, frustration, this experience that you have when you’re learning things and it’s not working, is really we’re kind of banging our head against the wall. We’re trying something and it’s not working.

And when we’re trying something that’s not working, we’re kind of resorting to this process of, like, assuming we’re continuing to work on it, this kind of like trial and error, figuring things out. And depending on the problem, depending on how many possible combinations of things we could do are, this can lead to just us getting stuck. And this feeling of frustration is like, “Okay, you could waste a lot of time here before you get it, maybe you should give up, maybe you should try something else.”

And so, my feeling of whenever I encounter something which is really frustrating, the first thing I ask myself is, “Do I have the prerequisites? Like, do I have the background knowledge that I should have in order to get to this?” So, if I’m struggling with sort of a programming problem, I would look at like, “Well, do I actually have the fundamental skills to solve this problem? And can I sort of go back a step and learn those and then go back and tackle it?” That kind of stepping back and figuring out what’s missing, I think, is a very important prerequisite for a lot of skills.

The second thing is “How do I finetune the difficulty?” So, if we’re doing practice, if we’re doing efforts where we’re trying to learn from our mistakes and work on things, there are so many little levers, so many little knobs that we can make it a bit easier. And if we’re feeling, “This is extremely frustrating, we’re not making much progress,” dialing those knobs back, kind of hitting that difficulty sweet spot is going to be more productive.

So, again, if we’re like really struggling with writing a novel, maybe we should write a short story. If we’re struggling with writing a short story, maybe we should write like the outline, or maybe we should just write the introduction. And these kinds of little tweaks that you can make can all be ways to change the difficulty of your practice so you’re not feeling like you’re overwhelmed and frustrated.

Pete Mockaitis

All right. Now, could you share with us a favorite quote, something you find inspiring?

Scott Young

So, I like this quote, even though when I was doing the research for it, it’s like possibly apocryphal. So, if we can just take that in mind, and this is possibly apocryphal quote, but it’s from Ernest Hemingway, where he said, “We are all apprentices at a craft which no one will ever master.” And I like that idea. I like that idea of, that we are sort of always working and striving towards getting better at something, but never quite reaching it, never quite feeling like we’ve just got it under our grasp.

Pete Mockaitis

And a favorite study, experiment, or bit of research?

Scott Young

I think one of my favorite that I covered in the book was John Sweller working on some research showing that people could solve problems without learning how they solve the problem. And that one I talk about in the chapter on the copy leading to creativity and just how there is a benefit of seeing examples, seeing how other people do it. And in some circumstances, it’s more beneficial than trying to solve the problem yourself.

Pete Mockaitis

Okay. And a favorite book?

Scott Young

The one that I think stood out to me most, that I enjoyed most, while I was doing the research for this book was Stanley Rachman’s Fear and Courage, where he talks a lot about the research on fear and anxiety and things that I think are very important for our own psychological well-being but are often not well understood.

Pete Mockaitis

Okay. And a favorite tool, something you use to be awesome at your job?

Scott Young

Honestly, I really like just using Word documents and writing things out. I think writing is an extremely powerful tool that is underused. We try to keep too much in our heads.

Pete Mockaitis

And a favorite habit?

Scott Young

I think writing daily is very important. I think if you’re in any kind of creative pursuit, doing some amount daily is helpful for continuing to keep that axe sharp.

Pete Mockaitis

All right. And is there a particular nugget you share that really seems to connect and resonate with folks; they quote it back to you often?

Scott Young

I think maybe the main thing that people take from my work is the idea that anyone can learn anything if they go about it the right way. And I think that’s something that is sort of a central ide a in my work and something that people talk about.

Pete Mockaitis

All right. And if folks want to learn more or get in touch, where would you point them?

Scott Young

Yeah, so they can check out my website at ScottHYoung.com, and they can get the book, “Get Better at Anything,” wherever they want to get their books, Amazon, Audible, any of those places.

Pete Mockaitis

All right. And do you have a final challenge or call to action for folks looking to be awesome at their jobs?

Scott Young

Yeah, so I think I would ask people to figure out what’s something that you’re really interested in getting better at, and try to find one thing that you could do to make it better, whether that’s seeing from other people, seeing something that they’re doing that you could try to incorporate into your practice, or some way you could tweak how you’re performing it to get a little bit better.

Pete Mockaitis

Lovely. Well, Scott, this is fun. I wish you many fun learning adventures.

Scott Young

Oh, yeah, thank you for having me back.

940: How to Find the Best Job for You that Actually Exists with Lauren McGoodwin

By | Podcasts | One Comment

Lauren McGoodwin challenges the notion of the “dream job” and makes the case for pursuing the “good-enough” job.

You’ll Learn:

  1. Why the dream job actually doesn’t exist 
  2. The true drivers of happiness at work 
  3. Why to become invaluable–not indispensable 

About Lauren

Lauren founded Career Contessa in 2013 after experiencing a gap in career development resources for women who might be job searching, soul searching, leading and managing, or trying to find new ways to advance within their careers. With women accounting for more than 50% of the workforce and the workforce being less defined than ever before, it seemed crazy (and outdated) that a resource for us didn’t exist.

Fast-forward to today, Career Contessa is now the largest online career site built inclusively for women. Lauren is also author of Power Moves: How Women Can Pivot, Reboot, and Build a Career of Purpose (2020), co-host of The Career Contessa podcast, and an educator/speaker on a variety of career topics. 

Formerly, Lauren was a University Recruiter for Hulu focused on hiring, employer branding, and program management. Lauren has a Bachelors in Education from the University of Oregon and a Masters in Communication Management from the University of Southern California where she wrote her thesis on millennials and career resources. 

When not Contessa-ing, you can find Lauren spending time with her family in Redondo Beach, CA where she lives with her husband and daughter. 

Resources Mentioned

Thank you, sponsors!

Lauren McGoodwin Interview Transcript

Pete Mockaitis

Lauren, welcome to How to be Awesome at Your Job.

Lauren McGoodwin

Hi, Pete. Thanks for having me.

Pete Mockaitis

Well, I am super excited to dig into your wisdom. And could you start us off by sharing, so you’ve been in this Career Contessa game for a while, great brand.

Lauren McGoodwin
Thank you.

Pete Mockaitis

And it even existed before How to be Awesome at Your Job, so kudos on a long run here. Can you share with us a particularly surprising or counterintuitive piece of career advice that you’ve come to learn and adopt and share during your reign as the Career Contessa?

Lauren McGoodwin

Yeah, absolutely. We’ve been around for 10 years, I’ve talked to a lot of successful, very fulfilled people. I think the biggest thing, the biggest misconception I’m sort of very much on brand for that millennial woman who was striving for perfect, was that the dream job does not exist, it’s a myth. It’s a myth that kind of keeps you perpetually stuck. So, that’s probably the biggest one from talking, and basically having the job that I do, which is finding out “What does make a successful career? People who are fulfilled, how do they do it?”

And that’s a big one, I think, because it starts to sort of managing your expectations and actually not expecting to have this dream job that checks every box in your life. It’s similar to trying to find a perfect partner, right? But with jobs, for some reason, we believe not only do dream jobs exist but that, “I should have one. And if I don’t have one, something about me is missing and wrong, and I’ve messed up,” and turn yourself into this personal DIY project to fix that part of your life.

Pete Mockaitis

Oh, that’s good. That’s good. So, the implications of that then is if we’re not in a dream job, that’s okay, nobody is because they don’t exist. That’s your view on the world?

Lauren McGoodwin

Yeah, it is my view on the working world, that there is no such thing as a dream job. And you’ll see it makes a really good saying as a meme on Instagram and TikTok and whatnot of the dream job exists and hustle harder to get that dream job, and a job should check all these multiple boxes but what I find is that, really, what the dream job is made up of is this elusive kind of lifestyle piece of a job, where it doesn’t include hellish commutes or return-to-office mandates that you don’t agree with, it doesn’t include manipulative coworkers or bad bosses who actually don’t know how to manage.

And so, you’re sort of looking for this thing that doesn’t exist, and so your expectations are consistently misaligned with reality. That is equivalent, for me, of someone who has a very fixed mindset versus having a growth mindset, someone who can say, “Hey, my ability to learn and adapt is more important than, okay, my ability to be perfect at this presentation.”

So, I think what happens is dream job isn’t just like your job title and your company. It’s really inclusive more of like a lifestyle, and a mindset, and these realities that, one, don’t exist, as COVID, I think, is such a good reminder of, like, things can change quickly, and being able to be adaptable, and be able to lean into uncertainty, is really kind of the stuff that makes you more invaluable at work versus the person who’s like, “I found the perfect job title, and it looks really good on LinkedIn, and I’m able to share these…” I call it, like, glitter and glue moments, “All these glitter moments in my career but the glue is what holds the career together.”

And so, that’s why I’m actually a big advocate for people who always say, “Well, if I’m not looking for a dream job, what am I looking for?” And I will advocate for a good-enough job. A good-enough is really practical, it’s not perfect, and that’s the problem. But dream jobs is you’re stuck there.

One of the things that people will ask me “If I’m not looking for a dream job, what should I be striving for?” which this is unique for each person, but this is why I’m a huge advocate for the good-enough job. The good-enough job is practical. It’s not perfect. It’s not having you strive for that perfectionist tendency that can keep you stuck. And so, the good-enough job, again, it’s practical. It allows you to still have a life outside of work. It doesn’t ask that work check every box of your life and fulfill every part of you.

And I think COVID was a good reminder of that for people, and I worry that now, in 2024, we’re starting to forget about that and try to go back to those tendencies. So, I would just say, to answer kind of the very first question, the piece of advice I have learned the most that kind of counteracts, actually, building a fulfilling career is trying to go after that dream job.

Pete Mockaitis

Well, so that’s a cool distinction there, a dream job versus a good-enough job, and I like what you had to say with regard to partners in terms of, like, no human being is perfect, and no job is perfect. And so, I would say, I think that my dear bride is a good wife, and she’s not perfect, and I’m not perfect. So, help us orient to things a little bit in terms of good-enough.

Lauren, lay it on us, four levels of job, if I may.

One, unacceptable, you should probably get out of there as soon as you can. Two, good enough, yeah, you should probably hold on to this. All right. Three, about as good as actually exists in real life, so hold on with all your might. And, four, just unrealistic, like, that probably doesn’t exist for anybody, so disabuse yourself from that notion readily. So, I put you on the spot there, Lauren. Give us four levels of job, starting with a rung that’s, “Yeah, I should probably get out of here.”

Lauren McGoodwin
Yeah. So, an example of this is like the person who has their “dream job,” they’re a lawyer, they worked their whole life for this, this is the thing they wanted to do, they’ve got that corner office, but they’re miserable. They’re working nonstop. Maybe they’re paid well but it doesn’t matter because they have no life, they have no friends, they’re not able to have any hobby.

And so, it’s that mix of, like, “But this is what I thought I wanted so I need to continue it.” They’re burnt out, they’re all the negative things. That’s sort of what I would think is the rung of like, “But this was supposed to be my dream job. I worked so hard to get this.” It just never, never goes away.

So, then the good-enough job, again, it’s practical but it’s not perfect. Maybe it’s something that you’re really good, you’re not particularly, like, dying over passion for whatever industry, you work in manufacturing, but you’re really good at your job, and it gives you work-life balance that works for you. Maybe for you that means, “I want a really high salary, and I’m willing to sacrifice having to go into an office and commute every day.” That works for the chapter you’re in right now.

Like, stages of your life are similar to stages of your career. I talked to someone the other day, who she got a new job, and she’s been working at a startup, but she has kids now, and the startup has a lot of it can feel a little unpredictable about what’s going to happen, so she’s like, “I really like that but I kind of made a little bit of a career pivot, and I wanted to go to a bigger company because I was looking for something that was more stable, offered me remote role, was an increase in pay because a lot of times startups will give equity.”

And so, again, that is a good-enough job for her. She’s like, “I like this thing well enough, I don’t have to be a die-hard for it, but also it’s not asking more from me than what I think is reasonable given the exchange of money,” the exchange of the paycheck part for her. That can be a good-enough job. Then you have the person who maybe go even like a step further, where they have this deep passion of being able to reclaim their life from work.

And so, they have a job that allows them to have more PTO, or maybe they do, like I talked to someone the other day, she’s a teacher and she’s doing like a job-share with somebody else. So, for her, that’s a good-enough situation. She doesn’t want to totally leave the workplace but she wants to reimagine how it works for her.

So, there’s all these variations of what the good-enough job can be for you. The teacher is deeply passionate about what she’s working on. She’s just struggling with how to make that work with her life, so a job-share works. Then you have the other person who’s like, “I’m not deeply passionate about it but I’m good at it and I’m paid well for it, and so that works.”

And then the top, or the first rung I said is the person who’s like, “I thought I was passionate about this. This is a dream job, it looks good on paper, I’m working for the right company, I’ve reached all these achievements, and it’s not working for me. And now I have this piece of me where I feel like I failed or, somehow, I have this expectation hangover of this isn’t what I expected to be, on top of the fact that I’m burnt out and all these other things.”

So, I think there’s obviously a lot of variations, careers are super personal, but I think what it comes down to is managing those expectations, understanding that the dream job, this concept of a dream job is more about the lifestyle that goes with it. And so, restudying those expectations and then going out, and kind of I always tell people, like when I was a recruiter, “You don’t get everything.” It’s like, the realtor will ask, “What are the top three most important things to you? Neighborhood? Number of bedrooms?”

I think that’s also important to do in your career, and I think it starts with aligning with your values. So, thinking about, “What do you really value personally? And then, how can you translate your top values into the career that you have?” Those are just all good starting places. There’s obviously a lot of intricacies to this but when you are trying to make the shift from dream job to good-enough job, I think that’s a really good starting place.

Pete Mockaitis

All right. So, I dig it. So, we’ve got a picture of the lowest level of job, bad, and then a picture of good enough. Could you also paint a picture for us for the highest levels, like about as good as it gets in the real world, as well as this is just impossible and unrealistic in the world of reality?

Lauren McGoodwin

Like, this job doesn’t actually exist, but if we could make it exist, this is what it would look like?

Pete Mockaitis

Kind of like a fantasy dream job people have that is harmful because they are comparing it to an unrealistic thing?

Lauren McGoodwin
I think that’s a little bit like lazy girl job, which is this TikTok phenomenon that went off, where it’s like you basically don’t have to do anything, and you don’t have to be involved or engaged in any way, but you’re paid really well. I think of that as almost like this true fantasy. Like, one, it is an exchange for you creating impact and value for the company, the exchanges they’re going to pay you. So, you’re not going to be able to actually gives you or never asks you to take a call that’s inconvenient. The realities of life are sort of that is going to happen.

So, to paint that picture, I almost think the comparison is this lazy-girl job thing that people were talking about. I’m not saying that it doesn’t exist but, for me, I look at a “lazy-girl job” which I hate because you wouldn’t hear a lazy-boy job, but, anyway, that’s a whole other topic. But, for me, it’s like I actually have had a job before. My very first job, I was an admin assistant. My only job was to basically wait for the phone to ring.

Now, I wasn’t well-paid, and I had to show up to an office so I wasn’t able to just do what I want all day long, but, for me, I was, as a human being, part of our wellbeing is we want to be engaged, we want to create something, we want to use our brains. And, for me, that was really mind-numbing work, but if we wanted to paint this picture of this “lazy-girl job” or this ultimate job that really doesn’t ask you to do anything, I think people think that would be fulfilling, but I don’t think it would.

I think us, as human beings, we want to move forward, we want to make an impact, and you wouldn’t get that in that situation, but I could see that being this, like, ultimate dream job for somebody.

Pete Mockaitis

Lauren, I love that so much, that notion of a dream scenario would be that you don’t have to do much but you get tons of money. And what’s interesting is, I think, we can see that in real life in terms of if you’ve been on vacation for a while, it’s like you’re actually kind of bored, “And I want to get to it and start being able, contributing somewhere,” there’s that.

And if you look at folks who, I don’t think you can even call them jobs but they have some sort of a subsidized living situation, like a trust fund or some kinds of funds are just flowing into their life without effort, and often these folks are as susceptible or more so, I think the data show, to depression and other kinds of challenges because there’s something that’s not quite being met there.

So, I think that’s a great thing to call out, that you might imagine this thing exists but it kind of doesn’t from a job perspective. And even if you were subsidized magically, that often has its own perils with regard to mental health and fulfillment. So, give us that level that’s maybe just below that in terms of, “This is about as good as it really gets in terms of, I wouldn’t call it a dream job because it doesn’t exist, but this is as close to optimal as one might hope for in this life.”

Well, now can you paint a picture for, if we’ve got four levels, like terrible job, good-enough job, then as good as is realistically optimally possible in real-life job, and then the fake dream job. I think we covered levels one, two, and four. But paint a picture for number three, the best realistically optimal job we might have in life.

Lauren McGoodwin

I think going back to the example of my friend, she was working in one type of marketing, and she’s transitioning to a different type of marketing. She was working for more of a startup-type company that had a little unpredictability with it, she’s going to go to a manufacturing company. So, on the surface, working for a big brand name, way cooler. The type of marketing she was doing? Flashy, cool, really, again, kind of that glitter and glue metaphor, it’s using that, fits into the glitter side.

But she is moving over to manufacturing, definitely not as flashy and cool, doesn’t look as good as a big brand name on LinkedIn, and she’s going to be doing kind of a more traditional marketing route. Now, for someone who’s looking at this, they’re like, “Wait, she’s going from this really cool job to this really boring job.”

But that, for her, she maybe sees this shift from being like, “I had my dream job and it hasn’t necessarily been a ‘dream.’ I’m really ready to go to a good-enough job, a job that I can close my laptop at 5:00 p.m. because I do have young kids, and I want to be able to spend time with them. I get flexibility. I have remote work status with this one. Instead of getting equity, I’m getting a higher paycheck.”

So, again, thinking about “What are my top priorities? And I’m going to get them at this place. Even though it might not be the ‘dream’ on paper to somebody, for me it’s a good-enough job. It doesn’t ask me to give up my life in exchange for the job.” And that is something that I think is really important. A good-enough job is going to take you out of that tunnel vision you have or that fixed mindset that you have.

It’s maybe going to take the pressure off you that you’re feeling right now. Maybe it’s going to give you clarity because you’re not going to see your workplace as your dream, so maybe you’ll be able to recognize when there’s toxicity happening in a workplace more often, things like that. And so, for me, when I hear someone who saying, “You know, I’m kind of leaving the cool, flashy thing. I’m going to go over here but I’m being paid more. It seems like I’m going to have really good work-life balance. So far, from the people I’ve interviewed with, I really like them.”

It’s like they have this surprise factor, where they’re like, “But I should like this big, cool company, checking the box for me.” And I think that is the dream job versus good-enough job kind of conundrum, is sort of this mindset of, like, “I should want this thing. This thing should kind fulfill me, and why doesn’t it?” And so, I’m really proud of people who can make the shift over to “those good-enough jobs” for them.

And it’s not easy to make those decisions and determine, “What are my values? What are my top priorities? Now I have to find a company that fits.” I’m making this sound like it just landed onto their lap but I think it does take some internal work of getting over these preconceived misconceptions of what you should want.

Pete Mockaitis

That’s really cool. And this conversation about dream jobs is making me think about, I guess, there’s been a recent trend of big personalities on YouTube quitting YouTube, which is funny because I understand that the data reveal that young people now, more than they want to be teachers or firefighters, they want to be YouTubers. So, that’s the job, I guess, everyone wants. They think it’s the coolest. Not an astronaut but a YouTuber.

And so, folks who are YouTubers, who are collecting over half a million dollars of income for creatively making videos, are like, “I can’t take this anymore,” which is fascinating in terms of a picture of the dream job doesn’t exist. And if you dig deeper, you sort of learn that, “Oh, well, behind the surface of just making cool videos, they got to manage a team, and brand deals, and books, and accounting, and everyone wants a piece of them.”

Lauren McGoodwin

And the comments, yeah.

Pete Mockaitis

It’s like, the reality is, “Huh, it’s not just a creative wonderland of nonstop adulation for me being me, but there’s a ton of responsibilities that are sufficient to overwhelm a portion of these people who have what appears to be an ultimate dream job.”

Lauren McGoodwin

Yeah, absolutely. And that’s tough, I’m sure. It’s very hard for them to walk away from that because it’s that feeling of, like, “You’re not just going to get this back if you change your mind,” meaning, like, the person who worked all the way to become the partner of a law firm, and I’m only using that as an example because I feel we hear a lot about lawyers who are, like, “It wasn’t what I thought it’s going to be.”

But anybody who kind of gets in that golden handcuff rut sort of thing in their career, it’s very hard to walk away from that. And that’s why I think it’s important to kind of share the message early on about good-enough job versus dream jobs. Careers are long and windy, and you take U-turns and left turns and right turns, and up and down. It’s not this linear career path.

And the more we can kind of, I think, spread this education about what a career is, or what a career path looks like, I mean, I came from the generation very much of, like, this ladder and the lean in, just lean in to saying yes to things. That just hasn’t been the reality I’ve experienced, and I think many of the women I’ve talked to and interviewed, or experts that I’ve interviewed, that hasn’t been their experience.

And same with our audience at Career Contessa, it’s like your best skillset to building a fulfilling career is a person who is being proactive in the driver’s seat of their career versus the reactive to whatever is coming your way. And then, again, also studying this mindset of, like, “I’m part of that world, too,” just thinking about your values, determining kind of your purpose, thinking about, again, I have this phrase about how to be invaluable at work.

And people are always asking because they’re like, “Oh, I thought you want to be indispensable.” And I always say, “Look, but if you’re indispensable to a role, how can you grow because they can’t afford to lose you?” So, that’s a different mentality when you’re indispensable, the company is saying you’re primed for overwork because they can’t afford to lose you versus the mentality of, “We don’t want to lose you,” so you’re primed for more valuable work, for example.

So, again, these are just like this is the lessons that I think is kind of one can learn early on. It’s actually very helpful throughout your career. A lot of us, to your point about the YouTuber that many of us learn at mid-life or later on, and so that’s why I’m here to spread this information

Pete Mockaitis

That’s lovely. Well, I do want to hear more about your unique vantage point. So, with the Career Contessa podcast and YouTube channel and speaking, you have a fun vantage point. And I know when I dork out and look into all my analytics and things, and emails from listeners and see, “Okay, what’s really the hot stuff in terms of what people really want to know, and what kind of content advice, wisdom, is resonantly transformational for them?”

So, Lauren, if I could put you on the spot to share with us maybe three super nuggets that you’ve collected from your time podcasting and engaging with so many folks, what have been some of your favorite discoveries?

Lauren McGoodwin

I interviewed a woman once on what actually drives happiness at work, and I still love this conversation, and they were relationships, purpose, and autonomy. And I really loved that because I feel like happiness at work sometimes feel like this very elusive thing, and I guess in a way it is, but I thought that was a really fun conversation. Sometimes you have conversations where you learn something, and you’re like, “Wow, that’s certainly a puzzle piece to the career puzzle.”

I think another big piece for me is the difference between, like I said, being invaluable at work versus being indispensable. I really fit this millennial woman stereotype of the, like, work hard until they recognize your work. I very much learned through my own experiences, but also through our audience and talking to people, it’s really important to advocate for yourself.

There are good ways to advocate, bragging, however you want to call it. Some people don’t like it. They’re like, instead of advocating, think of it as self-expression. However you need to see this, it is very important that you are able to talk about your wins, and your accomplishments, and your achievements. So, those have been some big wins for me.

The other thing, I think, that’s been kind of eye-opening in terms of stuff I’d learned is, like, it’s interesting that you can outperform someone and not necessarily be better than them, and I think that’s a hard reality. And part of that comes down to they might be better at telling their story, they’re better at managing that, I guess, “playing the game.” And I think that sometimes, again, like a hard reality to come to terms with, but I also think it’s very true.

And so, again, self-advocating, learning how to tell your story, making sure that you’re aligned with the right stakeholders and getting in front of them, that’s really important. And, also, that confidence is not something you’re born with. It’s built by taking action. So, nothing is going to just come to you. You have to have the confidence and the willingness to try something in order to start getting traction.

So, if I could drop it into three nuggets of wisdom, those are like some three big takeaways I’ve had in the last year of talking. I have the best job because, through the podcast, YouTube channel, what we do at the side, our whole job is basically trying to find out, “How can you build a healthy fulfilling and successful career?” It is not a perfect black and white formula that fits in a box for everybody. But there are certain trends that I hear over and over again, and those are a few of them.

Pete Mockaitis

Cool. Well, could you tell us a cool story of someone that you’ve worked with who saw a real cool transformation in terms of they had one perspective, and then they learned some things, changed some things, and saw a fantastic result on the other side of things?

Lauren McGoodwin

Well, I have a couple. I have a friend who recently was working for a thing company, and their whole career was, like, the Googles, the LinkedIns, the Amazons, the Facebook, very much like you look at her career path, you’d be like, “You’ve got one very linear career path at a certain type of company,” was part of the layoffs that happened, has been searching for a job, and was kind of only searching one way for a job, which was, essentially, using her network, referrals, applying, things like that, introductions to hire, relying on her network.

For a whole year, she’s been looking for a job. She’s incredibly talented. And one of the things that I thought was really interesting is she recently hit the Easy Apply button on LinkedIn to a job that had been reposted a couple of times, had less than 50 people apply for it, it was a very different industry than she had been in before but a similar job, like job function, and ended up going for two interviews, got a job offer, meaning the process was like weeks’ long versus multi-months long.

And I was talking to her, and she was like, “I’m almost afraid to take this because it’s the complete opposite of anything I’ve ever done, and it flips all the logic I’ve thought of on its head.” And so, it was almost like she was uncomfortable with this unknown for herself, of like, “Shouldn’t I just keep sticking with what I’m doing even if it’s not working? Eventually it will work.” And she ultimately decided she’s going to take this new job, couldn’t be happier. It very much fits the description of this “good-enough job.”

She goes into the office once a month. They really value her experience in a certain industry. She was feeling very discouraged from the job search before. And I feel this breathes new life into her, and watching her just have this new motivation. And I thought that was really interesting because so many of us sometimes do have this fear of the unknown, or the fear or doing something different. And there were a couple of takeaways from it.

One, there’s no right way to job search. So, if you’re job searching right now, try a lot of different strategies. Yes, tap your network. Yes, try to get referrals. Also hit Easy Apply to the jobs that you think are really interesting to you, or the companies where you’re like, “I like the company well enough. I need to learn more about them.”

So, I love that story. I love the fact that it reminds you that find a target company, network, absolutely. This job market, absolutely has taught me that there are no rules so you have to try a little bit of everything and test out, and see what strategy works best for you. But ultimately, I think, also, going in with if you can manage your expectations to not be too fixed mindset on it has to go a certain way, if you take some those, I think it’s a really freeing thing as well.

Pete Mockaitis

Cool. Thank you. Well, now I’m curious, anything else you really make sure to mention before we shift gears and hear about some of your favorite things?

Lauren McGoodwin

Well, my book is called Power Moves so if you’re interested in exploring more of these topics related to the dream job and going after the good-enough job, Power Moves is really a framework on how to build a career that is based in a proactive approach versus a reactive approach. And then, of course, my podcast is called Career Contessa. I’ve really made it easy, and that’s where I get to talk to people who share what drives happiness at work. And I love being able to have those interesting conversations. So, if you’re interested in podcast advice, or career advice, check out Career Contessa as well.

Pete Mockaitis

All right. Well, now could you share with us a favorite quote, something you find inspiring?

Lauren McGoodwin

My favorite quote that I learned from someone the other day is, “This or something better.” And I think that is an incredible quote especially for 2024 with this economic climate, this tough job market, it’s “This or something better.” So, remind yourself of that when you feel like, “I’m not making any progress. I’ve got a rejection.” And I always try to remind people, if they don’t look at your resume, they’re not rejecting you. My point being they look at your resume for seven seconds, or not at all, having a fresh mindset of, “That’s not necessarily a rejection that way,” but it’s, “This or something better.”

Pete Mockaitis

And a favorite study or experiment or bit of research?

Lauren McGoodwin

I’m loving people who are doing research on remote work or distributed work. So, there’s a lot of CEOs out there who want to call everyone back to the office because of productivity, collaboration. And what these people who do this research are finding is, like, absolutely not necessary to be in office to collaborate, to be productive. And they’re actually doing a lot of research on what does drive those things.

Pete Mockaitis

Awesome. And a favorite book?

Lauren McGoodwin

A favorite book, Atomic Habits. I love that book. I quote it a lot. That and Essentialism I think they were like books I’ve read at the right time of my life to help me kind of get organized and focus, and gave me that fresh perspective that was really important.

Pete Mockaitis

All right. And a favorite tool, something you use to help you be awesome at your job?

Lauren McGoodwin

Loom video recordings where, basically, you’re able to audio record yourself, or you can be on video, and then a screenshare. So, I’ll use it for trainings. It’s great for asynchronous work where you want to be able to send feedback to someone on something. So, on our team, we’re a fully remote company, so I will use Loom to send feedback on, “Hey, I read this article. Here’s something I would change. I’m going to edit here, edit there.” Sometimes we’ll use it for resume reviews for clients, too. So, I love Loom absolutely.

Pete Mockaitis

All right. And a favorite habit?

Lauren McGoodwin

Favorite habit, probably a to-do list. Definitely a to-do list. And I’m not fancy. I use pen and paper but that’s probably one of my favorite habits. I also am really big on 10,000 steps a day, so I just got a walking pad, and I have a standing desk, so that’s a big part of my personality is I’m a very 10,000 steps a day.

Pete Mockaitis

Okay. And is there a key nugget you share that really seems to connect and resonate with folks; they quote it back to you often?

Lauren McGoodwin

Certainly, just the dream job myth, I think, is something that people are starting to know me by, is that they’ll say, “I know you don’t believe in dream jobs, but I’m looking for a dream job,” or something like that. Or, “I know you don’t believe in dream jobs, but then what do I find instead?” So, I would say the dream job myth is definitely something I’m quoted back and used on myself a lot.

Pete Mockaitis

And if folks want to learn more or get in touch, where would you point them?

Lauren McGoodwin

Everything is on the Career Contessa website, so CareerContessa.com. Podcast is called Career Contessa, and the book is Power Moves. And then you can connect with me on LinkedIn, I’m Lauren McGoodwin on LinkedIn, and I post tips daily on there, and I would love to connect with you.

Pete Mockaitis

And do you have a final challenge or call to action for folks looking to be awesome at their jobs?

Lauren McGoodwin

My final action, I think, going back to one of the nuggets of things I’ve learned is “How can you advocate for yourself this week? Or, how can you make your accomplishments or achievements known this week?” Does that mean you can send a quick email to your boss, of, “Here’s a quick recap of what I’ve been working on”? Can you mention yourself in that Slack channel, like, “Here’s my win for the week”? What can you do to make sure that you are advocating and letting your wins be known?

Pete Mockaitis

All right. Lauren, thank you and good luck.

Lauren McGoodwin

Thank you.

922: How to Reinvent Yourself and Your Career with Herminia Ibarra

By | Podcasts | No Comments

Herminia Ibarra shares counter-intuitive perspectives on how to make successful career transitions.

You’ll Learn:

  1. How to craft and execute your “identity experiments”
  2. How to figure out your next best option in two questions
  3. How to reach out and build your network

About Herminia

Herminia Ibarra is the Charles Handy Professor of Organisational Behaviour at London Business School. Prior to joining LBS, she served on the INSEAD and Harvard Business School faculties.

An authority on leadership and career development, Thinkers 50 ranks Herminia among the top management thinkers in the world. She is a member of the World Economic Forum’s Expert Network, a judge for the Financial Times Business Book of the Year Award, a Fellow of the British Academy, and the 2018 recipient of the Academy of Management’s Scholar-Practitioner Award for her research’s contribution to management practice.

Herminia is the author of two bestselling books, Act Like a Leader, Think Like a Leader and Working Identity. 

A native of Cuba, Herminia received her MA and PhD from Yale University, where she was a National Science Fellow.

Resources Mentioned

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Herminia Ibarra Interview Transcript

Pete Mockaitis
Herminia, welcome to How to be Awesome at Your Job.

Herminia Ibarra
Hi, how are you?

Pete Mockaitis
Oh, I’m doing well. I’m doing well. I’m excited to talk career transitions and your latest edition of the book Working Identity. But to kick us off, I’d love it if you could tell us a couple stories of any particularly memorable career transitions that you’ve had the pleasure of studying or working with. And maybe for funsies, let’s have one be amazingly delightful and one totally disastrous.

Herminia Ibarra
All right. Let me try. Delightful and disastrous, all of them have an aspect of delightful and all of them have their challenges. The one that’s coming to mind is a really fun one was a very straight-laced mid-career person who felt that he had always done what he was supposed to do, got really thinking about what he himself wanted.

And so, at some point, he decided to explore. He took a sabbatical and started to explore. And in his head, one of his big ideas was he loves scuba diving, and, “Could I do this for a living?” And so, one of the things that he did was to take the sabbatical and to get certified, and to explore the financials for buying a scuba diving operation.

And, very fortunately for him, as the sabbatical played out over a couple of months, he realized towards the end of it that it might not be so much fun to spend his whole life doing that, and that the salary he would take relative to the business work that he was doing was probably not worth it. But he was able to say, “I explored this to the hilt, and now I know it’s not what I want but at least I gave it a go.” And so, he was very happy to be able to cross that off his list.

Pete Mockaitis
That’s good. And do you have another side?

Herminia Ibarra
Yeah. Well, a disastrous one, I’ll tell you a disastrous one that eventually worked out. The disastrous one was a woman who was leading the change leadership practice of a consulting firm, and she wanted more balance, she wanted to run something, there were a lot of things that were wrong with it.

Pete Mockaitis
She needed to lead a change in her own career, it seems.

Herminia Ibarra

Yeah, and she did not have time to explore other possibilities. This is a challenge a lot of people face, “I work too much. I don’t have the time or the energy.” So, she saved up, she really planned, and got ready to start exploring but, in no time at all, was feeling, like, “Oh, my gosh, what do I do? And what’s going to happen? And what next?” And she would notice that in her networking, that since she was out of job, people didn’t want to network with her. She wasn’t especially useful.

And so, as she got nervous, she ended up taking a role that a headhunter brought her, which was to do something similar in a company to be heading up strategy. And she thought, “Okay, here’s a change,” and she thought she had negotiated more that work-life balance she was seeking, but as soon as she started the job, it became obvious that it was worse from a trial and work-life balance point of view. And not only that, as a newcomer, she hadn’t built up any capital to be able to kind of work around it.

And so, she felt really, really stuck, and came to the conclusion that she had to quit before it really took off because it was just, really, she wouldn’t be able to extricate herself for a couple of years. So, she quit and then really found herself with nothing at all.

Pete Mockaitis
Well, yeah, that sounds disastrous. Shucks! Well, I hope she’s okay. Do we know what happened after that?

Herminia Ibarra
Well, yeah, yeah, yeah, it ended happily ever after, in the sense that she said, “All right. I obviously am not trusting my instincts here. Let me try to do a bunch of different things.” She set up kind of a freelance advisory that allowed her to pay the bills, which she was able to do because she was very good and she had a great network.

But this time, she set aside a little bit of time to kind of play around with things that she was interested in. She did some nonprofit volunteering. She did a bunch of stuff. And over time, she made her way towards developing a whole new career in the space around consulting for nonprofits, which she was very happy about but it took a while for that to materialize. It really started out as a kind of, “Here’s a hobby. Here’s a thing I enjoy doing. And let me do that. Just stay sane.” And it became her next career.

Pete Mockaitis
Well, good news. Thank you for sharing how that unfolded there. Well, these stories are awesome because they’re already pointing to some key points associated with doing this career transition thing effectively, is having the opportunity to try some things out, to get a taste of things in advance, and sometimes you learn, “Oh, wow, cross that off the list. Scuba diving is not the thing,” and that’s valuable.

And that reminds me. I had a conversation, this was funny. There was a period of time in my career in which I did thousands of case interview coaching sessions for aspiring consultants wanting to prepare for those interviews. And one of my favorite sessions, this happened only once, was I worked through the case, and I said, “Okay. Well, hey, here’s some feedback. So, kind of what I was looking for is for you to put forward a hypothesis and then a structure, and then you game plan for what sorts of things you were going to investigate in order to assess whether or not that’s what’s going on, and to drill down into the more relevant issues.”

And he said, “Oh, wow, my brain doesn’t go that way at all. I guess I don’t want to be a consultant.” And it was awesome.

Herminia Ibarra
That’s fantastic.

Pete Mockaitis
He paid for the session, and I was a little worried, like, “Uh-oh, did he get what he paid for?” And he was thrilled, he’s like, “Wow, in one hour, I have determined that I am going to not pursue consulting at all, and look at these other opportunities instead. Thank you so much, Pete.” I was like, “Well, thank you. I’m so glad we had a positive exchange here.”

Herminia Ibarra

See, that’s fantastic because one of the things that I have found is that people have all kinds of ideas in their heads of what they like and they don’t like, and they often don’t check out in reality. Just last week, I was talking to a reporter, a journalist from the Wall Street Journal, and she told me that she had dreamed forever of being able to write for a living, to just write books.

And she gave it a try and she couldn’t stand it. She got her book but jumped right back into a journalism job because she just did not want to do that exclusively. She realized it wasn’t for her. And so, the big lesson is really to try as actively as you can, especially before making any kind of big leap, because we don’t really know whether we would really enjoy these things or not. All we know really well is what we don’t like anymore or what we don’t like about our current job, but we don’t know what we’d like to do instead. And so, exploring and experimenting is really vital.

Pete Mockaitis
Certainly. And that seems to be a real theme associated with the book Working Identity is that we’ve got to try and do things, we have to experiment, get a taste and see how it fits, how it feels. Can you share with us what are some of the alternative viewpoints in terms of doing a career transition? Like, what would you say, Herminia, is what not to do when you’re making a career transition?

Herminia Ibarra
Well, the conventional approach is to figure out what you want and then create a plan to execute it. You know the answer, “Where do you want to be five years from now? And then what are the steps? And then what class do I have to take? Or, who do I need to meet?” And then just kind put it all in place. It works quite well when you do know what you want. And it also works quite well earlier in your career where you’re more likely to go into kind of, like, a structured setup.

It works less well, or not at all, when you don’t know what you want, as is the case for most of the people that I talk to who, for mid-career on, they know what they don’t want, but they do not know what they want instead. And it works less well also when you’re more experienced because there’s just more pathways from A to Z, or from A to D. There’s more different approaches that you could take to get to where you want to go.

Pete Mockaitis
So, figure out what you want is perhaps easier said than done, or folks have a misunderstanding of what they thought they wanted. Or, can you unpack this for us?

Herminia Ibarra
Yeah, see, there’s all kinds of things. We pigeonhole ourselves, you say, “Oh, I’m not a creative person,” or, “I’m not an entrepreneurial person,” or whatever. We pigeonhole ourselves. There’s all kinds of things we’ve never been exposed to before. Sometimes you meet somebody by serendipity, discover what they’re doing, think, “Gosh, this would be fascinating.”

So, there’s lots of reasons, you haven’t seen it before, you don’t know it exists. It wasn’t necessarily what you were thinking about. Whereas, we get fixated on this one thing, and the problem is that stresses people up because they don’t know what that one thing might be, and then they think, “Oh, maybe I shouldn’t do anything at all because I’m not very self-aware, or I don’t know myself. I need to introspect and discover who I really am.”

But that doesn’t really help either because the only thing that really gets us going is to get exposed to possibilities that are real, and to get into contact with people who do those things, who can help us investigate them further and learn more about them.

Pete Mockaitis
Okay.

Herminia Ibarra
And serendipity happens, too. I’ll tell you another quick story. This is someone who was in the financial world, and had always dreamed of doing something in interior design, something more artsy, and it just wasn’t going to happen because the financials didn’t work out. And so, she got to stay doing what she was doing.

Kind of out the blue, one of her clients, who had really appreciated her financial savvy, said, “As you know, I have this film company, and I’d really like you to be my chief financial officer and COO. I’d like you to run this.” She’d never thought, “I’d like to be in film.” She’d never thought, “I’d like to run a company.” But this was a relationship that worked very well for her, it was a way of doing something more creative, she knew the person. She took the leap, did it, and has really found it to be a fantastic move for her.

Pete Mockaitis
Okay. Beautiful.

Herminia Ibarra
How could you extract that out of your head? Never.

Pete Mockaitis
Certainly. So, lay it on us then, you’ve got some concepts associated with the possible selves and doing some identity experiments to explore the possible selves. Can you define or unpack these terms for us?

Herminia Ibarra
Yes, of course. So, the conventional approach, which I call an implement is you start out with the right answer and then you follow the steps. The less conventional approach, which is what I have found tends to happen when people make career change, I call experiment and learn. And the way that unfolds is you start to envision what I call possible selves.

Possible selves are ideas about who you might become in the future. They could be anything. They could be a very clear idea you have. They could be what other people think you want to do. They could be your feared possible self who you don’t want to become. They could be very nascent, very vague and fuzzy possibilities, “I think I’d like to do something more creative,” for example. So, you start with that, with some hunches. And what I always recommend to people is to not be afraid to make the list long and divergent, kind of the opposite of the conventional wisdom.

The conventional wisdom is “Focus. Know what you want.” This is not. Brainstorm with yourself. What are they? And then start somewhere. Now, for some people, this is pretty organic, and that is they’re working their day job and they’ve started on a project, maybe they were helping a friend who had a startup, maybe they had a side hustle on Etsy, maybe they took a course. Somebody I know took a course in – what’s it called – gemology, having to do with stones and jewelry, and that kind of led her on a path.

So, for a lot of people, you have this side activity that you’re interested in and it leads you on a path towards where you realize this could be your next job and career. And once it’s developed enough, you leave and you take it on. And so, it’s a possible self that is nascent that’s been developing, “Oh, maybe this might be my next career,” “Oh, maybe this could be a good thing to do.”

For other people, they don’t have that. They don’t have that. They’re kind of stuck, “I know I don’t like what I’m doing,” or, “I’ve lost my job,” that happens more and more today, “What should I do instead?” Brainstorm a list of possibilities. Don’t be afraid to have things that are a little bit more conventional or a little bit less conventional.

My friend, the scuba diver who I told you about, he had a three-pronged list. One list was conventional jobs that he talked to headhunters about, kind of his line. Another one was kind more of artsy, folkloric kind of things, the scuba dive, the wine business, a BNB business. And a third was identifying entrepreneurs that he found interesting, and tried to see if he could get a role working with them to learn from them. So, three-pronged kind of approach.

But the idea is to generate a bunch of possibilities and then start exploring one. Maybe you take a course in that area. Maybe some people want to have at least as a side hustle, being on boards of directors so they’ll a course on being a non-executive director. Or, some people, a very popular thing, is to become a coach, an executive coach, a business coach. People will take a course, and they’ll take the course. If they’re still in their job, they take it on the side. If they’re not working, they take it and they practice it.

And that’s a possibility that they’re exploring. It may not be the thing that you move into, but it has the advantage of getting you going. If it’s not it, it makes you understand why not. If it’s promising and it allows you to explore more, it gets you in touch with other people who are also in the process of making changes, and that’s always helpful because you don’t want to be alone in your head, thinking, “I’m the only one who’s taking forever, who’s unsure about what to do.”

It creates a sense of kinship with other people who are going through a journey as well, and it creates a context in which you have to explain yourself all the time, which is also helpful because the more you have to explain yourself, the clearer you become about what you’re trying to do and why. So, any action, basically, is helpful. If you know, follow your nose. If you don’t, take any action and get started on a path.

Pete Mockaitis
That’s cool. Well, I’d love it if we could generate just a big list of experiments and approaches for getting a taste of things. And so, volunteering, taking a course, maybe going to events and meeting the people at the events. I guess there’s even more passive stuff in the earliest of steps, like, “Well, let’s listen to a podcast about artificial intelligence…” if that’s the thing you think you’re into, “…and let’s start having some conversations with people who are there.” Like, “Hey, I read your thing. I listened to your episode,” and sort of step-by-step we get a taste for what’s going on.

What are some of your other favorite experiments or approaches you found really yield a boatload of insight for effort that you put into it?

Herminia Ibarra
Yeah, you’ve got the basics of the list there – take a course, volunteer, start up a business on the side, do advisory, get on a board, get class, give a class, all those things, all of those things. And one side is what you do, the activity. The other side is the new networks that gets you into. And the two of those things together help you understand, “Do I want to take the next step or do I not?”

Pete Mockaitis
I like that and it’s much less intimidating in terms of all at once, one giant leap, yes or no, launch, don’t launch versus, “Huh, okay. That was cool. How about another step?” I suppose at some points there are big old milestones, like, “No, for real. Like, I got to decide if I’ve got to pursue a doctorate in order to do the science thingy that I think sounds cool, or I’m not.” So, I’m curious, are there any particular questions, either for the internal reflection or for your new network, that you think are supremely useful and insightful as you’re navigating your experiments?

Herminia Ibarra
Well, there’s basically two questions you’re asking yourself, “Is this an attractive option? Yes. No.” “Is this feasible in terms of my need to make a living in the world? Yes. No.” And you are kind of inching your way through those questions, “Is it attractive? Is it feasible?” And feasible is not just only in terms of the money. It’s also in terms of, “Will I be able to develop the skill set necessary to truly plant a foot in that world?”

Pete Mockaitis
Certainly. Well, the consultant in me is creating a two-by-two matrix in my mind’s eye. I can’t help myself. Let’s hear some examples of things that might be in each of those quadrants. And I guess it’ll be super individually specific, like, what’s attractive to one person is totally repulsive to another. But I guess in terms of not feasible, like, I could probably not be an Olympic gymnast now as a 40-year-old man who has not trained in that domain. But I guess I’m such a big dreamer, I think almost anything is possible.

So, maybe you could ground us. You be the dream-killer for a moment, what are some areas where you’ve had to gently encourage folks, like, “You know what, maybe back off or rethink that a little bit. That’s probably highly risky and not quite feasible in its current incarnation”?

Herminia Ibarra
Yeah, that doesn’t really happen. Nobody does to themselves, “At age 45, I want to be an astronaut or I want to be a rocket scientist.”

Pete Mockaitis
Oh, in a way, I’m a little sad.

Herminia Ibarra
Although, you do have people. You do have people. This is not somebody that I studied but I ran across, somebody told me a story recently of somebody, you know how they tell people, “What did you want to do when you were a kid?” and this person had always wanted to be an astronaut, and he ended up, I don’t know, either training astronauts or coaching astronauts, but kind of found his way into the aerospace industry via some things that he had done before and some things he was able to acquire as skills, and found himself delighted to be in that kind of atmosphere.

Pete Mockaitis
Yeah, what I love about that is you may have a desire to be an astronaut, and I guess the right answer is not to dismiss that, “That’s ridiculous. Let’s throw that away,” but rather to dig a little deeper, it’s like, “Well, what is it about being astronaut that seems cool?” It’s like, “I like the idea of being in a rocket going superfast.” Like, okay, maybe you can just start flying small planes as a hobby or something, and you can scratch that itch.”

Or, maybe it’s, “Space is so fascinating.” “Well, there’s many space-adjacent sorts of opportunities that you can go for.” Or, “I always admire the astronauts themselves, their stories and their heroism and their bravery.” It’s like, “Oh, well, then you could train astronauts and get close to them even if you’re not going out into outer space.” So, I think that’s pretty cool that those initial seeds can grow in some handy directions.

Herminia Ibarra
Yup.

Pete Mockaitis
Well, I’m curious on the networking side of things, do you have any pro tips on how you recommend reaching out, asking for help or guidance or input or conversations as you’re navigating these experiments?

Herminia Ibarra
So, the first is start right away. A lot of people don’t start because they say to themselves, “I don’t know what I want. I’m going to sound confused so I’m going to kind of blow a good contact and I’m not going to make a good impression.” However, if you don’t start, you’re not going to figure it out. And so, by this point, everybody is familiar with the informational interview and kind of the exploratory coffee.

Maybe reach out to people who are not the CEO of the company you’d like to work for until you’ve had a little bit of practice. But the most important thing is to start right away and to contact a lot of people. Most people don’t realize how many conversations it takes, how many coffees, how many times reaching out on LinkedIn.

Just recently, I did a webinar online for people who are interested in career change, and we asked them, we did a survey ahead of time, and we asked them, “How confident are you in your ability to make this change, to make a change successfully?” And we also asked them about their networks, we asked them how many conversations they’ve had already about career change, and it varied wildly from hundreds of them, or hundred something, to very few. And there was a very strong correlation.

The more people you talk to, the more confident you felt about the possibility because, as you talk to people, first of all, you find out everybody has got a story about career change. Lots of people do. It’s very reassuring to hear that other people with a similar background as you ended up doing something very different, and successfully so, and happily so. And they’ll encourage you, and you’ll get more ideas about what to do, let alone than actually find leads and referrals for specific positions.

Pete Mockaitis
Okay.

Herminia Ibarra
So, start, reach out, be honest. At first, you might be saying, “I’m exploring the possibility of a change. I’m looking into different options. I’m trying to kind of brainstorm some possibilities.” Afterwards, you might say, “I’m really interested in this sector and I’m trying to figure out which way to position myself in or which way to go in it.” After that, “I’m trying to get a foot in this door.” It’s a progression.

Pete Mockaitis
Okay. Cool. I like those questions. Any particularly magical turns of phrases that you’re fond of?

Herminia Ibarra
No, there’s no magic. Yeah, the magic is, “I’d like your help. I’d like your input. I’d like to hear your story.” It’s very simple things.

Pete Mockaitis
I suppose what I found, and what I really like about your answer, “No, there’s no magic,” is that I have witnessed before, I think there’s one guy in particular, he reached out to me, wants some career advice, and he was a total stranger. I think we were in the same LinkedIn Group, so about the weakest of connections that there can exists, so I had no idea who this person was but, what the heck, I chat with them.

 

And then, I asked him out of curiosity, “Hey, so you just kind of found me out of the blue and in the cold on LinkedIn, like have you been reaching out to other people? And how often do people say yes?” And, to my delight, he had a very detailed notebook of everybody he reached out to, and the results of those reach-outs, and I believe the number was something like 28% of total strangers were willing to have a chat with him. And I thought that was cool.

And his message wasn’t magical. It was short. It was direct. It was clear. He made it easy for me, it’s like, “Hey, I’d love to come get coffee with you wherever it’s convenient, perhaps A, B, C times to hear more about this and that.” And I was like, “Okay, sure.” And I thought that was pretty encouraging.

Herminia Ibarra
That’s it. That’s it.

Pete Mockaitis
Yeah. All right. Well, Herminia, tell me, anything else you want to make sure to mention before we shift gears and hear about some of your favorite things?

Herminia Ibarra
Well, on that note about the weakest of ties, we know that those are the ones that are the most helpful, in fact, because friends and family and close colleagues, they have the same information you do. And when it comes to career change, they’re more apt to worry that you’re going to do something foolish. Whereas, perfect strangers might think that your kookiest plans are actually wonderful.

And LinkedIn studied this directly because there’s this famous theory about the strength of weak ties, how we tend to get our next job through people we don’t know so well or don’t see that often. And there was an experiment with LinkedIn in which they manipulated what people you were fed as people you might know, and in some cases, they gave you closer connections, and in another case, more distant. And the more distance were indeed the ones that were the most productive for figuring out a next job.

Pete Mockaitis
Okay. That’s good. Well, now could you share with us a favorite study or experiment or bit of research?

Herminia Ibarra
Well, a favorite study is the original strength of weak ties research in which researchers studied how people found jobs and what were the contacts that led them to leads that became their next jobs. And it was all personal contacts by and large. This was before LinkedIn, which is not quite can be personal but also a bit institutionalized. But it was mostly personal contacts that led people to their next job, but the surprising thing was that it was not close colleagues. It was distant acquaintances.

And the reason was not people always think, “It’s because your close colleagues know your fatal flaws.” That’s not it. The reason was that they have the same information you do because they circulate in the same circles and the same waters. Whereas, more distant acquaintances are more likely to be working somewhere else and to be seeing different things, and, therefore, are more likely to suggest something novel to you.

But it’s a wonderful study because it’s counterintuitive, and I see this over and over again. People get started, trying to make a career change, and they turn to friends and family because it’s more reassuring, because they don’t want everybody to know, but it is really these weak ties, these more distant acquaintances that really make a difference. People we used to work with, for example, are huge in terms of generating leads for next possible things to do.

Pete Mockaitis
All right. And could you share a favorite book?

Herminia Ibarra
A favorite book. I’m just looking at my bookshelf. I’ve always loved the old classic, William Bridges’ Transitions, about beginnings. No, he goes, endings, middles, and beginnings about the phases of transition and why it’s so difficult. That’s a favorite.

Pete Mockaitis
Okay. And a favorite tool, something you use that helps you be awesome at your job?

Herminia Ibarra
Well, now I use ChatGPT for everything, not to write anything for me but for some basic research and ideas.

Pete Mockaitis

Okay. Well, now I’ve been playing with it myself. Tell me, what are some of your favorite use cases where you think this thing really shines?

Herminia Ibarra

Well, I had, for example, a bunch of open-ended answers to a survey. It was kind of a long number. And I asked it to code them for me into categories, and then do counts of different categories. So, that’s kind of like a research assistant. It’s very good at outlining things. I’d never taken care of my Wikipedia entry. If somebody had written it, it was not accurate. And so, I asked it to write it for me, and it outlined it very well. It did hallucinate articles I had never written but that’s okay. I knew which ones to put in but it was perfect.

Pete Mockaitis
That’s flattering. The robot assumed that you must’ve written that because of your notoriety and wit and insight. So, with the coding of results, that’s intriguing. Did you just straight up drag and drop a spreadsheet file into it? Or, how did that work in terms of tactical execution?

Herminia Ibarra
When I first did it, yeah, I just entered all the…I don’t remember now if it was in the spreadsheet. Then my research assistant took over, and she did use it with Excel, but I think I just dropped everything in. And it got a little bit overwhelmed, and so we had to work it in some batches but, yeah, it did a pretty good job. And then we kind of negotiated on the categories a bit. You have to work with it but it did a great job.

Pete Mockaitis
That’s cool. And could you share a favorite habit, something you do that supports you in being awesome at your job?

Herminia Ibarra
No, this is actually a real thing. My habit is to work from home as long as possible in the morning, which is when my brain is at its best. And so, I try to do any kind of writing or course development that I need to get done at that time, and then go into the office later, or go into the other things later.

Pete Mockaitis
And is there a particular you share that really seems to connect and resonate with people and they quote it back to you often?

Herminia Ibarra

It’s this idea that we tend to know what we don’t want but we don’t know what we want instead, but the only way that we figure it out is by going out and exploring as opposed to waiting until we figure it out in our head. That resonates with people. The other thing that resonates a lot is that when people read Working Identity, one of the things they always come back to me on is, “Oh, my gosh, I’m not the only one. It gave me relief I’m not the only one that was so confused or nonlinear.”

And the nugget is that no matter how clear you are in your head about what you want next, career transitions always take longer and are messier than anyone ever imagined, and that’s just part of the process.

Pete Mockaitis
Okay. And if folks want to learn more or get in touch, where would you point them?

Herminia Ibarra
HerminiaIbarra.com, Herminia Ibarra at LinkedIn, and Herminia Ibarra at X.

Pete Mockaitis
Okay. And do you have a final challenge or call to action for folks looking to be awesome at their jobs?

Herminia Ibarra
Well, the funny thing is that my subject is not so much about being awesome at your job but being awesome at extricating yourself from that job. But I guess what I would say is if it’s not been awesome for some time, it is really a good moment to start dabbling on the side with other ideas and possibilities.

Pete Mockaitis
Okay. Herminia, thank you. This has been a lot of fun.

Herminia Ibarra
Thanks so much, Pete. I really enjoyed it.

920: A Masterclass in Health Insurance Benefits with Dr. Noor Ali

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Dr. Noor Ali simplifies the beast of United States health insurance—and shares insider tips for making the most out of yours.

You’ll Learn:

  1. How to evaluate the biggest non-salary piece of your compensation
  2. Why you shouldn’t limit yourself to your company’s health insurance
  3. What most people overlook when it comes to insurance

About Dr. Noor

Dr. Noor is a Bangladeshi-American medical doctor turned health insurance expert from NYC. She currently runs her own health insurance consulting practice out of Tampa, Florida offering healthcare insurance strategy to female founders all over the nation. Dr. Noor is also the founder of Think Like A Woman, a platform designed to amplify the aspirations and ambitions of female founders, worldwide. She hosts a highly curated roundtable business networking brunch called The Empresaria Brunch Experience. When she is not working on  managing her current businesses or building her next retail venture, you can find her curled up in bed with a good fiction book.

Resources Mentioned

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Dr. Noor Ali Interview Transcript

Pete Mockaitis
Noor, welcome to How to be Awesome at Your Job.

Dr. Noor Ali
Pete, thank you so much for having me. I’m a huge fan of the show, a huge fan of the Golden Nuggets, so this is a huge opportunity and privilege for me. Thanks.

Pete Mockaitis
Oh, thank you. Well, I’m a huge fan of you and all the money you’ve saved me on health insurance premiums since we’ve discovered you about a year or two ago. So, why don’t we get oriented? So, you are Dr. Noor Ali, so you’re a doctor but you’re not practicing medicine, and instead you’re doing health insurance. What’s the story here?

Dr. Noor Ali
Correct. Correct. This gets a lot of people. I am. I’m a medical doctor, I trained in my home country in Bangladesh. My background is internal medicine and general surgery. And if you know anything about this tiny little country of Bangladesh, it’s very, very low resource. We’ve got a whole lot of people and not a whole lot of medical practitioners. So, I’m actually trained to treat any human from head to toe, so I can do anything from a C-section, to a delivery, to a general surgery case, to a heart attack, to a stroke.

Pete Mockaitis
All right, but you’re not doing that now.

Dr. Noor Ali
I’m not doing that now.

Pete Mockaitis
Maybe on an airplane if there’s an emergency, you’ll be the person.

Dr. Noor Ali
Right. I’ve been doing health insurance for about five years now, Pete. Now, the process for foreign physicians like myself, if you’re familiar, is we don’t have to go through medical school again when we come back to the States. We have to pass a series of licensing exams called the USMLE. Now, the first of those series of exams is, step one, the content is basic sciences. And at that point in my career, I was a superstar, rock star surgeon and there was a huge disconnect for me.

So, I studied for about two years and I missed it. I failed the test by one question which was three points at the time, and it really put a damper in my career. I went into this deep kind of depression, I lost all sense of professional identity, and I didn’t really know what to do with myself, and I just needed a win at that time.

So, on paper, I just looked like a high school graduate, Pete, because I never went to undergrad. I went straight to medical school, this accelerated medical program from high school, so I was struggling to find jobs. And the only opportunity I got was a sales role at this health insurance company and I just took it because I just needed a win in my life. So, that was the connection between going from a clinical career to insurance, but I’ve been doing it for five years, and I’ve really made a career for myself.

Pete Mockaitis
Well, I’ll tell you, it was my producers who found you originally because I was thinking, “I want to talk to an expert on health insurance, both for the show and for me. So, please find this person,” and you won. Like, you are a health insurance expert who is also a doctor. And it’s funny because those often don’t go together because I’ve had many conversations with doctors, “So, like, what’s the insurance going to do with this? Or how much is this going to cost?” Like, “Boy, I don’t know that. That’s a tricky one.”

Dr. Noor Ali
Yeah, they don’t teach you that in medical school, right? They don’t teach you the insurance part.

Pete Mockaitis
So, you’ve got both, and so it’s funny. Health insurance is confusing even the doctors. And I remember, I even took a course in college, it was David Sinow, and it was called Personal Wealth Management and it was a very popular course. It’s about measuring your money for finance majors, like the personal side of things. And we talked a little bit about health insurance stuff, and it was a little tricky then.

But then, in practice, I remember I was in a nonprofit board meeting, and we were just taking the steps, like, “Okay, let’s really get health insurance locked in for the employees.” And so, someone did the research and we had these options. And it was so funny because, here we are these board members, who have some pretty cool accomplishments in the world of finance and leadership and running things, and all of us are just like, “Oh, boy, I don’t know. I don’t know,” and it was striking.

So, what’s going on here, Noor? Are we just dumb or what’s going on? Is it super complicated for everybody?

Dr. Noor Ali
It is. It is because there are so many players in this game, Pete. If we zoom out a little bit and if we think like, “Well, why is it so darn complicated? And how come other countries have it together and we don’t?” We’ve got a capitalist economy, we’ve got big players in insurance, we’ve got smaller groups, we’ve got employers, and then we’ve got private companies just kind of like making up their own rules in everything.

And then in 2008, we have an administration that says, “Well, let’s try to clean it all up. We’re going to do the Affordable Care Act, and we’re going to try to house everything under one federal platform,” but that still doesn’t eliminate the private sector and all of these key players. So, because there are so many people in this mix, it makes it really complicated because you don’t know where to start, and you don’t know where to go.

Pete Mockaitis
Okay. That’s great. It’s not just me and my fellow board members. It’s tricky for everyone, including doctors, and it is just because that’s the system that we have with all the different players. So, here we are, talking from a US context. Tell me, when it comes to US healthcare and health insurance, is there any country that’s awesome on every dimension?

I’ve heard that the US flourishes when if something really gnarly happens to you, we’ve got a whole lot of high-tech great stuff to give you a good outcome with that. So, in that dimension, the US is great on healthcare. But on many other dimensions, we’re not so great. How do we stack up and how do you think about that?

Dr. Noor Ali
Yeah, great question, and it always depends on who you’re asking and who you’re having the conversation with. I’ve lived and worked in Australia, I visited the UK, Canada, I have this recurring conversation, and people ask me all the time, “Well, what is it with the US versus other countries? And, exactly, how do we stack up?” And it’s always in any situation like this, especially when it comes to healthcare, there’s going to be two sides of the coin, and whoever you’re asking, their perspective is going to be different.

So, if we use the example of the Affordable Care Act, I’m going to refer back to this again because that’s what is popularly known. Well, that’s where you go to get your health insurance, HealthCare.gov. Well, it’s not designed for everyone. If you put the population of America on a graph and you divide it into four quadrants, the population that’s winning with the Affordable Care Act is the lower income and chronically ill. If you’re higher income or generally healthy, you’re not getting a good deal here.

So, similarly in other countries, whatever system that they have or they implement, it’s going to be great for one population and it’s going to alienate another. So, the short answer, Pete, is there’s no magical solution, there’s no one country where 100% of the population is happy, and I don’t think that’s ever going to happen.

Pete Mockaitis
Well, that was my next question, and you answered that lovely. I’ve heard some people say, “Oh, my gosh, Obamacare,” the name also used for the Affordable Care Act, ACA, they say, “Oh, my gosh, this is awesome. I’m saving so much.” And then other people say, “This is terrible. My last plan did so much more and I paid less.”

And so, there are some strong feelings on both ways, but I think you summarized it rather well. It’s like if you’re lower income and/or chronically ill, you’re better off now that the Affordable Care Act exists. And if you’re on the other side of that coin, you are personally worse off but maybe you feel good about how you’re contributing to the health of others, or maybe you don’t.

Dr. Noor Ali
That’s exactly right, Pete. Exactly.

Pete Mockaitis
Okay. So, thank you, that’s that story. Now, I want to get into one of the main reasons I wanted to have this conversation because this topic is different than a lot of our other episodes. I’ve heard people say, many times, “Oh, boy, I’d love to start my own business or do my own thing, go out on my own, but, oh, I’m with this company and they’ve got great health insurance. I really need the health insurance. I’ve got a family of four,” or maybe even someone with a chronic condition within that.

“And so, I guess I gotta stay put.” To what extent is that assertion accurate versus poppycock versus something in the middle?

Dr. Noor Ali
I’m going to lean more towards the poppycock for that situation because that’s absolutely not true. Now, historically, traditionally, employers were the best source to get health insurance because the larger your corporation is, the risk can be diluted more, the actuarial risk can be taken down, and the company can offer greater benefits to their employees. In addition, if the corporation is doing well, they can sponsor more towards your premium.

So, your out of pocket, what is coming out of your paycheck looks less and less. So, I am not at all denying that you can get excellent healthcare from your employer in a large corporation. However, that is not the only place to get health insurance. There is an entire whole other world out there, outside of your employer, where you can purchase your own health insurance. And in this specific situation that you stated, Pete. I want to pick that apart a little bit.

You mentioned a family of four where one person has different needs than the other, and that’s something that I want to hone in on, it’s something that I do for some of my services is to really analyze that. What is the risk and the needs for each of the person in their family if only one person out of a family of four has a greater need? The entire family does not need to be on a policy.

Pete Mockaitis
Well, actually, Noor, that was the huge insight that you gave me that’s resulted in my own personal savings. Thank you again for that. Because you said, “Oh, okay, so you think your wife might get pregnant again. Okay, well, then some plans are really great for that but they’re expensive all the time versus you and the other kids could be on this less expensive plan, and then she’d be on a separate.” I was like, “Oh, wow, wait a minute. One family, two different plans.”

Dr. Noor Ali
“What?”

Pete Mockaitis
Yeah, it was funny. My brain was like, “Wait. We’re still a family, right?”

Dr. Noor Ali
Right, “I don’t have to divorce my wife for this, do I?”

Pete Mockaitis
“We could still file our taxes jointly, right?” I was like, “Oh, of course. Of course.” I just never thought of it that way. And so, you opened my eyes and some savings, so we’ll talk about that. That’s cool. So, then maybe I know there are so many different kinds of plans, and things change. And this may be out of date a few months, but just for a snapshot.

Okay, here we are, December 2023, let’s say we don’t even know the value our employers are giving us or what we’d have to really shoulder if we went out on our own. Can you give us a taste for what does it cost, say, an individual who’s fairly healthy, let’s say 40 years old, versus an individual who’s not so healthy, 40 years old? We’ll do two-by-two. An individual, a family of four, healthy, unhealthy, very roughly speaking, what might we expect in the range of monthly premiums if we’re shouldering it all on our own for pretty good health insurance?

Dr. Noor Ali
Okay. Well, considering that there’s no subsidy here, so no ACA government plan subsidy, a full premium price plan for a healthy 40-year-old man can range anywhere from 350 to 450 a month. We should land somewhere right in the middle, and say roughly $400 a month.

Pete Mockaitis
Now, that sounds low. Are these ACA, Affordable Care Act plans, HealthCare.gov?

Dr. Noor Ali
It could be. So, it depends on what market we’re shopping. So, if we zoom out a little bit and back up the starting point when researching a plan for yourself is, “What market do I shop in? The public healthcare marketplace, which is the ACA Obamacare, or the private healthcare marketplace?” So, the public healthcare marketplace is entirely income-dependent.

So, that same healthy 40-year-old man, if he makes anywhere between $20,000 to $55,000 a year, he can qualify for a sliding scale subsidy from the government where they’ll pay a portion of his premiums. If he does not qualify for that subsidy and exceeds that subsidy-qualifying threshold, then his premiums can look anywhere from 350 plus.

Pete Mockaitis
Okay. Thank you. Now, let’s get a taste for an unhealthy person, if someone says, “Hey, I’ve got some stuff that I’ve got to deal with ongoing medications, condition.”

Dr. Noor Ali
So, the sad news is no insurance company wants to take on this unhealthy person with all of this stuff because insurance, even though they’re dealing in the business of risk, they don’t want to take on that risk. They just want to take your monthly premiums and want you to never use your insurance again. So, the best market to shop for someone who has major preexisting conditions is going to be Obamacare, ACA, public healthcare marketplace because this is a guaranteed issue platform. They’re not going to ask you about those preexisting conditions.

However, I should note that there are degrees of risks and preexisting conditions. The example that I like to use is an asthmatic. If you’ve got asthma and you’ve got a little inhaler that you have to use here and there, maybe an Albuterol once a day, versus that same 40-year-old man with asthma who is a smoker, overweight, has to go to the emergency room to get nebulized every time he has an asthma attack are two completely different risk profiles. So, it’s worth assessing that risk profile to see, “Hey, is my preexisting condition really as bad as I think it is? Can I still get a plan that’s less and shop for an insurance company that’ll take me, insuring me for less?”

Pete Mockaitis
Okay. Well, in that very unhealthy situation, if they are going on HealthCare.gov, are they still in that 350 to 450 range because…”Hey…”?

Dr. Noor Ali
It depends on the income. It depends on the income. So, if the income is 20,000 or less, you can qualify for Medicaid, which is free healthcare in your state. Anything between 20,000 to 55,000 roughly, you can get a sliding scale subsidy, and your plan can be anywhere from zero dollars up to 350 plus, depending on that subsidy in tax credit.

Pete Mockaitis
Okay. And women, do they pay more because of pregnancy and these sorts of issues?

Dr. Noor Ali
Women pay more just because they’re a higher-cost to insure. They have a whole set of organs that cost a lot to maintain. So, in general, a 40-year-old woman is going to cost more to insure than a 40-year-old man.

Pete Mockaitis
And we were saying 350 to 450. What is it for a woman?

Dr. Noor Ali
Similar range but maybe a little higher, depending on the deductibles and max out of pockets could be higher. So, I would still say maybe these plans for a woman would be starting in the high 300s or 400s.

Pete Mockaitis
Okay. So, if we have a family of four, would I just multiply that number by about four?

Dr. Noor Ali
Ish. So, children cost less and there are so many factors here. I hate that I’m even giving numbers because if someone hears this and they find there are some inconsistencies, I don’t want to be attacked here because children are going to cost less to insure but there are so many variables that go into finding this, calculating this monthly premium – zip code, age, risk factors, where you live, the cost of living there, the medications that you take, if we’re calculating monthly premiums. But children usually cost anywhere from $75 to $200 monthly premium, depending on age and where they live.

Pete Mockaitis
Okay. Well, so this is informative. So, just to make things simple, I‘m just going to say 500 times three-ish, so you might call $1500-ish of premium per month times 12 months, we might be talking about $18,000-ish of a family’s budget, which is potentially more than the rent and/or the groceries for people if they’re on their own.

So, I think, to the extent of, if that statement, “I can’t leave my job. I’ve got to have the health insurance,” real versus poppycock, I think the answer is, well, it may very well be $20,000-ish a year of an issue if the employer is paying it all versus not. So, that’s how I spin my perspective, it’s like, “Well, hey, if you can clear $20,000 extra doing your own thing, then you might be fine. You just got to take that factor into account is that health insurance provided by an employer is a real benefit of substantial economic value but it need not handcuff us.”

Dr. Noor Ali
Right. Correct, Pete. And you mentioned that the employer is paying all of it. There’s hardly ever a situation where the employer pays all of it. They’re paying 50-70% of it perhaps, but the rest is coming out of your paycheck so often people don’t pay attention to it. You are paying for it. You just don’t notice it as much.

Pete Mockaitis
Thank you. Thank you for sharing that. Okay. So, now what’s open enrollment? We hear a lot about it around this time of year. And what’s the deal?

Dr. Noor Ali
Open enrollment is the time of the year where insurance companies open up their arms and say, “Come sign up, enroll into our plans for the next year, you can get health insurance now.” It’s significant because it’s a sensitive window. You can only sign up for health insurance on the public healthcare marketplace typically November and December of every year for coverage for the following plan year.

Pete Mockaitis
Now, what’s that about, Noor? Why can’t we just buy something whenever we want to buy them?

Dr. Noor Ali
Because, we’re going to go back to the concept of risk, insurance needs to calculate how much risk they’re taking on for 2024, do that actuarial analyses, and run their numbers and reporting. So, people are signing up all year long, and they’re not doing any type of preexisting clause. They’re taking on random levels of risks at random levels of the year, and an insurance company cannot run its business taking on that risk.

Pete Mockaitis
Okay. Duly noted. So, then, if, let’s say if we got fired, or we left our job in the middle of the year, are we just out of luck, we’re just going to go uninsured until November-December?

Dr. Noor Ali
No, that would be a special qualifying life event. So, there are a series of circumstances, we’re in the middle of the year, if you just decide to move, you get married, or you just lose your job, or get terminated and have no longer have access to benefits, those would qualify you to be able to sign up for a plan on the public healthcare marketplace using the special enrollment period. I do have to point out though, on the private side, there are no special enrollment periods. You can sign up all year round.

Pete Mockaitis
Okay. So, I’m also curious to the notion of public versus private, and employer-sponsored versus individual. I’ve had the experience, I remember in Chicago, when we made the shift from my wife’s health insurance to, “Okay, I’m getting all the health insurance,” there were some plans that I just could not access if I was not associated with an employer, which I thought was wild, it’s like, “I am willing and ready to pay outrageous amounts for my health insurance premiums. I’ve already steeled myself for that reality.”

And then it’s just like, “Oh, no, you just can’t have that plan. That has all the really cool doctors, or whatever.” And I thought that was so weird. What’s the deal with that?

Dr. Noor Ali
Can you tell me a little bit more about that though before I answer?

Pete Mockaitis
I think it was something like a Blue Cross Blue Shield, Gold or Platinum Choice, Select. I don’t know.

Dr. Noor Ali
Who said you couldn’t have it though? Was it an employer, a group, or what?

Pete Mockaitis
Well, there was one plan that my wife had, and it was pretty sweet in terms of it had vast numbers of physicians and network and all that. And then, as I looked at HealthCare.gov, it was just like, “No, that’s not on the menu.”

Dr. Noor Ali
Yeah, so that’s going to be public versus private markets. So, the public healthcare marketplace, Obamacare, typically doesn’t have PPO networks, which is going to be those higher-quality plans that you’re talking about. You can only get those when you are part of a big employer, a group plan, or you go on the individual market and you basically get a private insurance plan. So, that’s one of the biggest detriments of plans on the public healthcare marketplace, is they don’t have PPO options in most states.

Pete Mockaitis
Not one, not a PPO to be had in most states on HealthCare.gov?

Dr. Noor Ali
Correct.

Pete Mockaitis
And for those who are not familiar, what do these letters PPO mean?

Dr. Noor Ali
PPO stands for Preferred Provider Organization. It’s pretty much like it sounds. It’s a higher-quality access for the benefits that you have. So, Pete, you can have the most awesome health insurance plan in the world, cost zero dollars, free, co-pays, all that stuff, covers you head to toe, but if you can only see the doctor that’s 30 miles away and has availability six months later, what good use is that plan?

So, the network of access to providers, that’s what the letters PPO, HMO, EPO stands for, is where and how you can use your benefits of your health insurance policy. And you always want to choose a PPO because that’s a higher quality.

Pete Mockaitis
Okay. So, PPO is the best. Is HMO the worst?

Dr. Noor Ali
You could say that.

Pete Mockaitis
And what does EPO stand for? What’s that do?

Dr. Noor Ali
Something just in the middle, Exclusive Provider Organization. It’s a mix of HMO and PPO where you can see the doctors you like to, but again it’s a much limited and smaller network.

Pete Mockaitis
Okay. And how can I know the network I can access in advance of getting a plan?

Dr. Noor Ali
Well, when you look at the plan, you’ll know what network it’s on, but I think that one of the advices that I like to give that’s relevant in the situation is it’s always better to stay in network with the plan instead of finding a plan around the doctor that you love. Does that make sense? Because just to fit a plan around a provider, you might get really screwed in every other benefit, but if you have a plan that works in terms of benefits for you, then going along with the network and benefits of that plan is going to be more beneficial.

But when you’re exploring and researching plans, you’re always going to know what network that is, whether that’s HMO, EPO, or PPO.

Pete Mockaitis
And I think that’s sort of the tough pill that I guess we just have to swallow, is that if you’re fond of three distinct doctors in different specialties for…it’s like, “Oh, I want to get a plan that covers all of those.” Well, the odds are not in your favor, unfortunately, to pull that off. Although, in the case of some private plans for either individuals or corporations, you might have better luck there in terms of, “This is a premium offer that happens to include your three favorite specialists in different domains.”

Dr. Noor Ali
Precisely.

Pete Mockaitis
Okay, that’s good to know. So, Noor, if we’re young and healthy, do we still need health insurance or is that a waste of money?

Dr. Noor Ali
Am I allowed to laugh and scoff in response to that?

Pete Mockaitis
Yeah.

Dr. Noor Ali
Okay, I’m laughing and I’m scoffing but I’m trying to keep it together. Yes. Yes, Pete, you absolutely do need health insurance, and the best time to get it is when you are young and healthy because that’s when you are the lowest risk, the most desirable to health insurance companies, and they’re willing to insure you for a lot less cost, and willing to give you a lot more benefits. So, that is the best time to get yourself some good insurance.

Pete Mockaitis
Well, yeah, and I know someone who is young and healthy, and then she got cancer, and it was so sad and startling and unexpected, and so then she had a heap of medical bills. And so then, they were doing some benefits and some fundraisers and some donations. And someone who was curious and courageous enough to pose the question, “So, did she not have health insurance? Or how do these bills kind of end up mounting so high?”

And then the person said in reply, “Of course, she didn’t have health insurance. She’s young and healthy. Why would she spend money on health insurance?” And so, I like that you’re presenting this, the opposite point of view strongly because that’s how I think about health insurance. It’s like, “Would you like to not go bankrupt if something terrible happens to your health? If the answer is yes, and you live in the United States, having health insurance is, unfortunately, a necessary thing that you need to enjoy that privilege.” That’s where we are.

Dr. Noor Ali
Exactly. Yup, that’s exactly it. You’re right.

Pete Mockaitis
Okay. So, if we should all have it, tell us what are some of the clever ways we might go about saving on health insurance?

Dr. Noor Ali
Yes, great question. I want to offer a little bit of insight on the young and healthy thing because this is a fallacy that I see a lot in the young and healthy population is, first of all, they think they don’t need health insurance. So, that’s mistake number one. You absolutely do. But the second thing that I notice is they go for the plan with the lowest premium and the highest deductible because that just makes sense in their head, it’s like, “Well, I hardly ever use it to go to the doctor and use it, why would I pay more in premiums?” whatever.

So, in that situation, what’s happening is, let’s say you have health insurance for two years, and, finally, something happens and you need to use your health insurance plan. You have a $200-a-month premium and you have a $10,000 deductible. That’s a typical low-premium, high-deductible plan ratio. So, for two years, you paid your insurance company $200 a month, and when you finally need health insurance because you got into a car accident or got diagnosed with cancer, you are going to have to pay the first $10,000 of bills before your insurance company is going to step in and pay anything.

So, you just ensured in that situation that you are paying, not your insurance company. So, that’s completely like the opposite psychology that you should be using as a young, healthy, low-risk person when selecting your health insurance plan. The better strategy, in my opinion, is, “What is the lowest deductible that I can afford with a comfortable premium?” And that may be 250-300, just a little bit more per month but if and when you need to use your health insurance benefits, you want to make sure that you are spending less out of pocket and your insurance is stepping in with those bigger bills.

Pete Mockaitis
Okay. So, let’s talk about some of these words. This is like everything you want to know about health insurance but were afraid to ask. Premium, deductible, co-insurance, what do these words mean?

Dr. Noor Ali
Premium is the amount of money that you have to pay per month just for having your policy. Whether you use it, you never use it, you have to pay the premium. If you work for a big corporation, that’s typically divided up into your bi-weekly paychecks, comes out of the paycheck, but it’s traditionally calculated as a monthly premium.

Pete Mockaitis
All right. And then what is a deductible?

Dr. Noor Ali
A deductible is the amount of money that you have to pay in addition to the premium before the insurance will start paying out on your benefits. Now, typically, most insurance plans only offer preventive care before the deductible. Most insurance out plans don’t offer a whole lot.

Pete Mockaitis
Okay. And then what is a co-insurance percentage?

Dr. Noor Ali
Co-insurance is, after you meet that deductible, is the percentage of bills, medical expenses your insurance company will pay.

Pete Mockaitis
Okay. So, if it’s an 80%, then I’ll pay through my deductible, and then I will still be on the hook for 20% of what happens above and beyond that.

Dr. Noor Ali
Correct, until you reach your max out of pocket.

Pete Mockaitis
Okay. And so, max out of pocket, is that just what it sounds like, it’s like, “I will not part with any more money than this in a year?”

Dr. Noor Ali
Yes, it’s a value that states that once you pay your insurance company this amount, they’re obligated to cover the rest of the bills.

Pete Mockaitis
And is that in addition to on top of the premiums?

Dr. Noor Ali
It’s always on top of the premiums, yes.

Pete Mockaitis
All right. Very cool. What is a co-pay?

Dr. Noor Ali
A co-pay is very similar to the co-insurance. It’s either/or. Your plan can either have a co-pay or a co-insurance. And a co-pay is a fixed dollar amount that you pay for medical services before the service. So, that can be a $20 co-pay to see a doctor or specialist that you would pay that before you even see the doctor.

Pete Mockaitis
That’s good. And what’s funny is I’ve learned from experience that co-pays are actually good. Like, I want to have $50 co-pay to see a specialist as opposed to not having one because then the neurologist might be like, “Yo, that’s actually $450 to talk with me for half an hour.” It’s like, “Oh, oops, I’d rather have a $50 co-pay.” So, co-pays are a good thing that we want to see across a broad array of services. Is that accurate?

Dr. Noor Ali
I would say, in this economy, having a fixed co-pay is going to be much better than a co-insurance percentage because of the example that you just stated. You want a fixed dollar amount rather than a percentage of a big bill.

Pete Mockaitis
Okay. There you go. And then the network tells me who they are willing to give money to. And so, if I go out of network then the plan might specify, “Well, hey, you have no benefits or fewer benefits.” Is that accurate?

Dr. Noor Ali
Yes, less benefits.

Pete Mockaitis
Okay. So, we want in-network for good savings, and so we should research in advance who is in the network. And sometimes that’s harder than you think to determine because it’s like, “Oh, yeah, we take UnitedHealthcare.” But UnitedHealthcare has many, many plans underneath this brand name, this company. So, how do you recommend we do great research on getting clear answers on, “No, for real, who’s in the network, who’s not in the network?”

Dr. Noor Ali
Yeah. Well, every insurance plan will have their network directory, but, honestly, those are updated every 30 days. Sometimes they’re not accurately updated. So, the best and fastest way is to call up your doctor that you like, your provider, your hospital, your urgent care, and say, “Hey, do you guys take this plan? Are you in network?” Just ask the question.

Pete Mockaitis
Okay. Thank you. And you, that’s one of the services you and your team provide. You do a little bit of the groundwork, a little bit of the hustle, on behalf of your clients, right?

Dr. Noor Ali
Yes. Yes, I do. So, if you are a client of mine, and you just want to know, “Hey, where can I go?” I’ll happily do that for you.

Pete Mockaitis
And, honestly, that is just so huge, thank you, because this stuff is so complicated it makes me groan. So, this is part of why it took so long for us to get onto a microphone together is that you do some of that work, and that is awesome, and at no cost. And I’m trying not to be too much of an advertisement for you, but I can’t resist. I think you’re awesome. So, I don’t have to pay you any extra for that. How on earth is this financially workable for you, to do all this legwork, and be paid nothing to do it, to have it done?

Dr. Noor Ali
Yeah, that’s a great question. Well, Pete, to be honest, I did raise my price just a little bit since we worked together. Not a whole lot, but, yeah, it’s one of the concierge services that I provide. So, for all of my clients, things like claims, customer service, I’m happy to do that for the life of the policy just because I know how onerous it can be for you, and how easy and convenient it is for me. It’s not a big deal to me at all. The way I get compensated is through the insurance company that I end up connecting you with. They pay me a portion of your premiums for my commission. So, don’t worry, I’m taken care of.

Pete Mockaitis
That’s right, yes. And so, in a way, it’s interesting. You’ll pay the same amount, whether we go to HealthCare.gov or you, right?

Dr. Noor Ali
Correct.

Pete Mockaitis
And yet, when we go through you, we get these extra benefits and services.

Dr. Noor Ali
Correct, yup.

Pete Mockaitis
And it’s just the healthcare provider, or the health insurance provider, who has a slightly shrunk profit margin, and I don’t mind.

Dr. Noor Ali
Me neither.

Pete Mockaitis
Sorry, health insurers. I think they’re doing okay and then giving a little slice to you, so that’s win-win-win. Okay. So, then tell us what are some of your favorite tips for saving on health insurance or healthcare expenditure overall?

Dr. Noor Ali
Yeah. Well, when it comes to finding and researching your plan, I think doing a needs assessment and risk evaluation is huge. That’s really where I start the journey whenever I speak to someone and they come to, asking, “Where do I even start?” So, some of the things that I’m going to be looking at is, “Where do you live? How much money are you expecting to make? And what is your medical or health risk profile?” And because of my strong medical background, it’s very easy for me to do that assessment quickly.

So, once I kind of profile your risk, then we decided, “Okay, public market, private market,” and there’s a type of a plan that I specialize in and I advocate for, and it works really beautifully for people in the healthier and wealthier bracket and on the private side, and it’s called a medically underwritten health insurance policy.

And this model is a pre-2008 or pre-Obamacare era where if you’re generally healthy and you’re earning too much to qualify for any government subsidies, we can underwrite you medically into a high-quality PPO health insurance plan that’s going to last you a lot longer and mirror the quality of a corporate package, or a major medical plan, at a fraction of the cost.

Pete Mockaitis
That’s cool. Okay. So, then we’ve got a great plan. Well, now tell us, how do we work it so that we don’t have unfortunate unexpected medical expenses along the way of living and using that plan?

Dr. Noor Ali
I love it. I love it. This is one of my favorite questions to answer because working your insurance plan, or milking it, is exactly what you should be doing. So, the first things to note is make sure you take advantage of all of the preventive care. Insurance companies don’t want to spend money. It’s more beneficial to them to keep you healthy. And how do we keep you healthy? Go to the doctor at least once a year, get your preventive, your annual wellness checkup so you’re not surprised with cancer because that’s what’s going to cost them and that’s all they care about.

So, take advantage of all the wellness and preventive benefits that your plan has at the very least. Then if you need to use your plan for services, start at the lowest tier, which is going to be virtual therapy and care. That is very accessible to you. You could do it from home. Now, they have trained physicians that they’re designed to send prescriptions to your nearest pharmacy without you leaving or doing anything, and they’re billing at a lot lower rates.

So, don’t go running to the emergency room for a cough and cold, stomach ache, or UTI, or yeast infection for women. Start with a virtual visit. That’s going to save you tons of money, it’s very convenient, and it’s going to help on the insurance backend.

Pete Mockaitis
Okay. And one of the other cool benefits of insurance—I can’t believe I said that sentence, cool benefit, okay, but I believe it—is that when you get medical bills, the explanation of benefit statements, it’ll show you, “Okay, hey, normally, we charge this much money for the services, but because you have this insurance, we’ve pre-negotiated a rate between them. And so, now it’s discounted and then your benefits cover this amount.”

So, it’s sort of like, “We knocked it down from, I don’t know, 500 bucks if you have nothing, to 320 because we pre-negotiated,” to, “Oh, hey, you have some insurance benefits,” so then you might be left with, like, 80 or something at the end. So, that’s kind of cool. But what can be tricky is, do they call it balance billing, is, like, “Oh, yeah, I am on the hook for a little bit after everything, and, oops, it’s more than I thought it would be.” How do I prevent that from happening?

Dr. Noor Ali
What I know about balance billing is that it’s difficult to predict unless you request estimates, or, “Hey, tell me exactly what you’re going to bill to insurance,” and that involves communications with the billing department before you seek services, which can be challenging in emergency situations, so I don’t have an actual answer on what to do after the fact.

Pete Mockaitis
Certainly. So, after the fact, good luck, but what you can do to prevent that is, ideally, you talk to them, you get the estimate. And I’ve heard that, even if you do get that surprise, you can ask and say, “Hey, I was really surprised to see this given that you’re in network, and I see the insurance paid this. So, what can you do for me?” And sometimes, they’ll just, “Oh, yeah, cut in half,” just like that. This happens.

Dr. Noor Ali
That’s a great strategy, actually, and negotiation is something that should never be left off of the table. Now, typically, negotiation is a strategy that’s used for cash-pay patients, people who don’t have insurance, they say, “Hey, I wasn’t expecting this much. What can you do?” And you always want to offer cash because facilities would always rather be paid upfront immediately than wait 30 to 90 days for a claim to process and for insurance to pay them. But now, we’ve seen it working also with insurance. If you can combine having insurance and still negotiating and re-pricing down your patient responsibility, you can do better than that. That’s amazing.

Pete Mockaitis
Certainly. And that also having an estimate in advance is huge for your negotiation, it’s like, “Hey, wait a minute. You said it was going to be this.” Like, “Oh, yeah, but we also had to do an ultrasound.” It’s like, “Well, why wasn’t that in the original estimate?” It’s like, “Well, you didn’t click the CPT code for an ultrasound estimate.” It’s like, “I didn’t know I was supposed to do that.” “Okay, fair enough. Just knock off 300 bucks.” Okay, just like that.

And when it comes to pricing, the way I think about options, or how do you think about it? When I’ve narrowed down to a few options or plans, I kind of like to play with the numbers, and say, “Okay, if I use no health insurance, how much cash should I be out over the course of a year? If I had a horrific accident, shattering dozens of bones, multiple surgeries, how much would I be out the year, so like the out of pocket plus the premiums and all that?”

And then what do I really expect to happen, like, “Okay, I’m going to go to the doctor a couple times and then maybe check in with this or that”? And then I look at those three total out-of-my-pocket cash amounts across the scenarios, and across the options, so it takes a while to make a call, “Okay, which plan is really my best option? Oh, that plan doesn’t exist next year, oops. Do it again.” Is this a good way to go? Or what’s a faster, easier, smarter way to assess the different plans and which one is optimal for me?

Dr. Noor Ali
That’s a fantastic exercise, Pete, and I wish that more people were more savvy like you to do that determination. The quicker faster dirtier way would just be to call me and I do that for you.

Pete Mockaitis
All right, thank you.

Dr. Noor Ali
But, yeah, if you’ve got the skills, go the Pete-route, but if you don’t and you’re below average, then you can give me a call.

Pete Mockaitis
Well, I would say, for all my savvy, I’ve still made mistakes and had unexpected medical expenses. Oops. So, learn in those lessons. Well, tell us, any other tips, tricks, things to do or not do when we’re buying or using our health insurance?

Dr. Noor Ali
Yeah, really just take some time to get to know your policy. Some really high-level things you got to know about your health insurance is the monthly premium, how much are you paying just to have your plan, your deductible, your max out of pocket, and really cool special little things. That’s a very personal thing to find out. Like, if you love going to the chiropractor, really know your chiropractor benefits.

If you’ve got a kid who’s active in sports, what is your accidental policy like? How much is it going to cost if your kid is going to break a leg? So, know those common situations and scenarios that’s important to you. Understand what that out-of-pocket liability is going to be. And if you don’t know those answers, reach out to the person that helped you get your plan. They’ll have those answers. And just have a mental note on that.

I’d also say to do pretty frequent assessments and evaluations even if it’s not every year. If you have a major life change, that’s a good time to evaluate your health insurance policy, “Is it still working for me?” If you’re having a baby, that’s an important time. If you have a move or a life change, that’s an important time. But, also, if new products come out on the market pretty often, so understanding, “Am I paying the lowest that I could pay? Are there any new products out there that’s going to be a better fit for my needs?”

Pete Mockaitis
That’s great. And, tell us, what about these so-called health-share programs, like Liberty HealthShare, Samaritan Ministries? How should I think about those?

Dr. Noor Ali
Yeah, that’s going to depend on a lot of things. So, I’ll tell you my opinion on health-sharing plans. So, the first thing to understand is they’re not true insurance products, so it’s not insurance at all. And the value of insurance is going to be that max out of pocket, that clearly defined number that says, “Hey, I gave you my insurance card.” There’s worst-case scenario, cancer, all bones shattered, “This is the most I’m going to pay. Don’t ask me any more questions. That’s a contract between you and your insurance company.”

So, that’s one thing that I find to be lacking in most health-sharing plans. And the second factor that impacts a lot of people is many health-sharing plans are based on faith which require some lifestyle commitments that not everybody is prepared to commit to. So, if it aligns with your lifestyle, and you’re okay with that model, that’s fine.

The third thing I’ll say about health-sharing plans is it’s very non-traditional, it’s a healthcare alternative, it’s certainly trending, but if you come from a corporate background where you’re used to a traditional healthcare model with fixed co-pays, where you don’t have to negotiate or do any type of self-advocacy or patient advocacy, you might not like that model because there’s a lot of standing up for yourself, paying first, and then negotiating and re-pricing down, and then hoping that your health-sharing plan kind of kicks in with the rest of the bills.

Pete Mockaitis
That’s what I’ve heard. I guess my personal take is I know friends who’ve had great experiences. Like, some, I think it was a premature child, and that’s a nightmare, and them saying, “Well, hey, we’re here for you in your time of need, sir. And this is your time of need,” and he just starts crying, like, feeling super supported by them, it’s like, “Wow, great. That’s really cool.”

And there are others who say, “I don’t know if I trust that they’re really going to have my back when it’s there.” And, yes, there could be some faith things that may or may not jive with your values, beliefs, wisdom, tradition, lifestyle stuff. So, there’s that.

What do we think about vision, dental, these kinds of health insurance matters?

Dr. Noor Ali
This depends on your level of usage. If you don’t go get your eyes checked once a year, or you don’t wear glasses or contacts, do you really need vision insurance? No, probably not. If you are using eye care, and you actually buy glasses and materials, I think there’s value in vision insurance. Similarly, for dental, if you’re just going in for cleanings twice a year, you could probably be better off paying for that out of pocket at your local dentist.

One strategy I can advise is, if you’re open to a dentist, any time a new dentist office pops up, they offer an introductory rate for cleanings and preventive care. Do a cash pay. Take advantage of that. Where dental insurance really has value is if you have horrible teeth that require continuous work, like root canals, bridges, fillings over and over again, those services are billed at much higher rates, and it’s valuable to have an insurance plan to take care of most of the bill versus you doing cash pay.

Pete Mockaitis
Oh, that’s good to know. So, the negotiated rates between dental insurers and dentists are much better than the cash rates. Although, a lot of dental plans I’ve seen, it seems like their maximum coverage is a little skimpy, it’s like, “Man, if things really hit the fan with my teeth, for tens of thousands of dollars, you wouldn’t really have my back to that level.” Unlike, out of pocket maximum health insurance, it’s like shatter 20 bones, “Okay, they’ve got a hefty bill and I don’t so much.”

And with the vision, I’ve learned that some of those vision insurance, you think, “Oh, I get a free pair of glasses,” whatever, but then if you buy glasses from an optometrist office, somehow all the lenses and all, sometimes somehow, even with the insurance benefits, it ends up being way more than buying them on, like, Zenni Optical, or Warby Paker, or some of these other places. So, you may be better off cash-paying for your eye exam, getting a valid prescription, and then just going to buy your glasses online, and forgetting a vision insurance benefit.

Dr. Noor Ali
Right.

Pete Mockaitis
Now, that’s just my own experience. Is that something you’ve observed within your clientele as well?

Dr. Noor Ali
Yes, and it depends on, again, the billing practices, where you live, how much they’re charging for those frames, all of those factors go into it. But I would say, if you are looking to stretch your benefits more, that strategy that you said is pretty great. Go get your eyes checked and get a prescription, and then shop around on an online provider to get it for less.

Pete Mockaitis
Okay. I read a juicy story about a health insurance provider using AI to deny a bunch of claims and end up getting into some trouble. And some lawyers mentioned a factoid, which I thought was intriguing, which said that, “Only 0.2% of people appeal a health insurance denial.” Is that accurate? Or, do you know? And/or what are odds of success if your health insurer says, “No,” and we say, “No, really, yes”?

Dr. Noor Ali
This is really interesting. I don’t have data to back up what I’m going to say but I’ll share my personal experience. I would say that factoid sounds right because, yeah, I would say that people don’t appeal it. However, my clients, I am absolutely tenacious when it comes to things like that. If an insurance company is denying a claim, I am so fast to appeal that claim before the denial letter even comes through. And that’s also a service that I provide and I like to do.

And, in my experience, what has happened that in that claims, denial, and appeal process, the bill from the hospital, or the emergency room, or whatever, somehow disappears because nobody wants to deal with that process. The insurance company doesn’t want to reopen the case and reassess, and the facility or the hospital writes that off as a lost expense because they say, “Okay. Well, we’re never going to get paid for this because our patient is not paying us, and the insurance hasn’t paid us, so we’re just going to file this away as an expense.” So, it actually works out if you actually appeal.

Pete Mockaitis
Okay. And you’ll do it for us, so that’s easy.

Dr. Noor Ali
Yes, exactly.

Pete Mockaitis
Cool. All right. Noor, wow, what a whirlwind. Any final thoughts before we hear about some of your favorite things?

Dr. Noor Ali
No, this has been a fantastic conversation. Thank you for your questions today, Pete.

Pete Mockaitis
Well, thank you. Well, now could you share with us a favorite quote, something you find inspiring?

Dr. Noor Ali
Yes, a favorite quote, I use this across every aspect of my life is by one of my favorite authors, Haruki Murakami, and he says, “If you read what everyone else is reading, you’ll think what everyone else is thinking.”

Pete Mockaitis
Oh, that’s good. Well, speaking of what everyone is reading, what’s a favorite book of yours?

Dr. Noor Ali
Good one. Okay. The Midnight Library.

Pete Mockaitis
And a favorite habit?

Dr. Noor Ali
Gratitude. With every step, with every breath, active, intentional gratitude.

Pete Mockaitis
Okay. And is there a key thing that you share with clients that they repeat frequently, they quote Dr. Noor often on?

Dr. Noor Ali
I’m going to pull something from my desk that’s for another business that I have for my company, Think Like a Woman, and I have my quote here. And my quote is, “There’s nothing more powerful than an ambitious woman aligned with her aspirations.” It’s from one of my quotes.

Pete Mockaitis
Okay. And if folks want to learn more or get in touch, where would you point them?

Dr. Noor Ali
My website, DrNoorHealth.com. What’s more entertaining is following me on Instagram because you can see my entire life unfold in stories. It’s quite entertaining.

Pete Mockaitis
Okay. And do you have a final challenge or call to action for folks looking to be awesome at their jobs?

Dr. Noor Ali
If you want to be awesome at your job, take a look at your health insurance benefits. Pay attention to what is coming out of your paycheck. If you are curious if you can do better, give me a call. Talk to me and let’s see what we can do for you.

Pete Mockaitis
Sure thing. Dr. Noor, this has been a treat. I wish you much luck and success in all your adventures.

Dr. Noor Ali
Thank you. Thank you so much, Pete. Thank you for the opportunity. I love this conversation.