Please hit subscribe and tell a friend about the show.

Click here to go to our Facebook page.

https://www.facebook.com/profile.php?id=100076311491473

Click here to see Joes Book.

https://a.co/d/ikAnh47

Click here to save on high-End clothing and home goods.

https://poshmark.com/closet/happie22

Click here to go to Joes Postmark Closet.

https://poshmark.com/closet/toledojoe

In this powerful and deeply relatable episode of The Year of Profit, host Joe Shortridge explores one of the most overlooked forms of debt — Time Debt — the hidden cost we all pay when we procrastinate, delay, or put off the things that matter most.

We've all felt it: that growing sense of guilt, stress, and overwhelm when tasks start to pile up and opportunities slip through our fingers. Joe breaks down how every "I'll do it later" quietly compounds into emotional and mental interest — draining our energy, clarity, and focus over time.

Drawing parallels between financial and time debt, Joe reveals how every delayed task carries a hidden cost. Through psychology, neuroscience, and real-world experience, he explains how unmade decisions linger in the mind like open browser tabs, keeping us in a constant state of low-level anxiety. This episode uncovers how procrastination isn't laziness — it's emotional overload — and how guilt and shame often paralyze us from taking the very actions that would set us free.

Listeners will connect with Joe's honest and personal story about putting off launching his first podcast — and the realization that waiting for "perfect" only delayed growth and momentum. He shares how those same lessons apply to anyone feeling stuck or behind.

In the second half of the show, Joe walks you through a step-by-step process to start paying off your time debt and building what he calls time wealth. You'll learn practical tools like:

The Two-Minute Rule — a simple way to eliminate small tasks before they grow.

Time budgeting — treating your hours like money and investing them intentionally.

Micro-commitments — the power of small actions to create unstoppable momentum.

And the importance of forgiving yourself — because shame only adds more debt.

This episode will make you think differently about how you spend your time and how procrastination affects not just your productivity, but your mental health, relationships, and long-term success.

Joe reminds us that every delay today is a withdrawal from our future — and every action we take now is a deposit toward a richer, freer tomorrow.

If you've been feeling stuck, overwhelmed, or guilty about not getting enough done, this conversation will help you see that it's not too late to start fresh — and that today is the best day to take control of your time again.

Because as Joe says, "Time is the one debt you can never borrow back."

The Year of Profit podcast is a transformative resource dedicated to improving every aspect of your life. Whether you're seeking personal growth, enhanced productivity, better mental wellness, or financial success, this podcast offers actionable advice and insights to help you achieve your goals. Hosted by Joe, The Year of Profit focuses on empowering listeners to make positive changes in their daily habits, mindset, and decision-making. Each episode is packed with practical strategies and inspiring stories to guide you on your journey to a more fulfilling life. From tips on overcoming anxiety and stress to methods for boosting motivation and building lasting habits, this podcast covers a wide range of topics aimed at maximizing your potential.

Listeners can expect expert advice on self-improvement, mental health, personal development, and career growth, all while learning how to implement these strategies in their own lives. Whether you're an entrepreneur, student, or someone simply looking to make a positive shift, The Year of Profit provides the tools and knowledge you need to create long-term success and happiness. The podcast's emphasis on actionable steps ensures that every episode leaves you feeling inspired, informed, and equipped to take your life to the next level.

Tune in to The Year of Profit and discover how small, consistent improvements can lead to significant changes. If you're ready to take control of your life, enhance your productivity, and boost your well-being, this podcast is the perfect companion on your self-improvement journey. Subscribe now to start transforming your life, one episode at a time.