Tuesday Email: Inaction Breeds Irrelevance

Happy Tuesday!

Every Tuesday I'd like to offer strategies for the week ahead and a thought to fuel your action.

It was happy hour after a full-day conference. I was standing in the middle of the room surrounded by 300 people who spoke a language I barely understood.

They weren't speaking French or Mandarin. They were speaking AI. Token limits. Fine-tuning. Embeddings. I'd been a wealth manager for over a decade, and here I was, three months after closing an eight-year chapter of my career, feeling like I'd wandered into someone else's conference.

As I stood there, I saw a text from an industry peer: "Where are you? Thought you'd be at the conference this week."

I looked around the room.

Nobody here managed money.

Nobody talked about client relationships or client operations.

Everyone was obsessed with what was coming, not what was.

And I realized something that's stayed with me ever since: I'd rather be lost in tomorrow than comfortable in yesterday.

This is the tension we're all feeling.

One wrong move gets documented, dissected, and permanently searchable. But standing still makes you obsolete in real-time.

The world rewards action with ridicule and punishes inaction with irrelevance. We're told to choose our poison, but most of us freeze instead.

What nobody tells you is that career risk grows backwards.

When you're starting, career risks feel like poker with chips borrowed from a friend. Losing stings, but you'll laugh about it next week.

Your boss doesn't like your idea? Find a new job. You're 26, unattached, and the world is hiring.

But watch what happens as you succeed.

Those same bets transform into wagering your family's home, your team's livelihoods, and a decade of reputation you've painstakingly built. You're not just responsible for yourself anymore. Your decisions ripple through families, affecting your employees' children and your clients' retirements.

Responsibility breeds risk aversion. Complexity breeds uncertainty. And uncertainty is the glue that keeps us frozen to the status quo.

Add social media to the mix, and you've created something unprecedented: an environment where every stumble gets recorded and judged by millions.

We used to learn in private. Now we learn under permanent surveillance. So we stop learning altogether.

Standing in the middle of that conference, surrounded by people who didn't care about looking foolish while they learned, something clicked.

Trust doesn't erode from failed experiments. Trust erodes from becoming reactive.

Think about the best service professionals. Are they the ones who wait for perfect clarity before acting? Or are they the ones who proactively serve you before you know you need it, even when things are uncertain?

Clients don't expect us to predict the future. They expect us to prepare for it. That requires action. Small, staged, reversible action; but action nonetheless.

I spent the next six months experimenting. I used AI to draft emails, knowing they'd need editing.

I let AI summarize client meetings, always checking its work.

I asked questions that revealed my ignorance to people who knew more than I did. Every small action taught me something new and opened up new questions to explore.

None of it was revolutionary on its own. However, what I didn't realize at the time was that those actions were compounding.

We tell clients to invest early because time amplifies returns.

A 25-year-old investing $7,000 annually retires with $1.1 million. Wait until 35? You get $550,000. We know this math cold.

However, we often forget that it also applies to knowledge. Those small actions I took two years ago have compounded into something I couldn't have predicted.

Today, while others scramble to understand AI's implications, we're playing offense. Not because I was smarter. Because I started when I was dumber. Waiting for stability before experimenting is like waiting to invest until the market calms down. You'll wait forever.

Meanwhile, someone who started messy and early has decades of compounding working in their favor. By the time conditions feel "right" to you, they've already retired on returns you'll never catch.

This doesn't mean we should move fast and break things.

Action without analysis is reckless. But analysis that delays action is complacency.

We should move deliberately and learn things. Break the big, terrifying decisions into small, reversible experiments.

Want to adopt AI but terrified of the downside? Start with internal processes. Use it to summarize meetings or draft emails—with a human in the loop. If it fails, you haven't hurt a client. You've just learned something. Over-analysis is like a chef who keeps reading recipes instead of cooking. At some point, you have to crack the eggs and adjust the seasoning as you go.

The actions that teach you the most are the ones where failure is possible. Insight doesn't always come from being right. It comes from understanding why you were wrong, forming a new hypothesis, and trying again.

Our success over the next five to ten years won't come from what we know today. It will come from our resilience to keep learning, our curiosity to keep questioning, and our willingness to absorb failures without letting them define us.

I think about that moment during happy hour at that conference two years ago. The discomfort of being surrounded by people who knew more than I did. The fear that I was wasting time on something that might not matter. The temptation to go back to the industry conference where everything would make sense and I'd feel competent again.

I'm grateful I stayed.

Not because that conference changed everything, but because it was one small bet that compounded into clarity I needed later.

The world isn't slowing down.

AI isn't waiting for consensus.

And your clients aren't going to forgive you for being unprepared, even if you had good reasons for waiting.

So here's the real question: What small action can you take today that your future self will thank you for?

Not a career-defining bet. Not a company-wide transformation. Just one reversible experiment that moves you from comfortable to curious.

Inaction breeds irrelevance.

But action, even imperfect, uncertain, stumbling action, breeds everything else worth having.

The paradox was never really a paradox at all. It was always a choice.

The best is ahead!

-Matt