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We trade holiday-season nostalgia for hard-won lessons on optimism, connection, and doing the work in a bruised market. Kent Smith joins us to explore why hospitality beats speed, how to recruit in a shrinking talent pool, and what tech can and can’t replace.

• seasonal shift, family updates, baby-led weaning
• gratitude mindset, optimism as a daily practice
• Kent’s Bay Area roots, Metallica as identity marker
• parenting in a hyper-online world, teen driving and boundaries
• what a mortgage recruiter does, trust-building and pipeline
• commission reality, discipline as the cost of freedom
• hospitality vs service, emotion as competitive moat
• the phone problem, cold-call and text strategies
• aging loan officer base, missing campus recruiting
• tech acceleration, blockchain, speed vs human trust
• Sacramento quality of life, growth and affordability
• lightning round: Wyatt Earp, values, and consequences