Quick test: go open your fridge right now. Look in the back corner. Shove aside that half-empty jar of pickles and that takeout container you're pretending you’ll eat later.

See anything suspicious? Maybe a tomato that's gone from red to brown to… something else entirely? A small science experiment oozing at the bottom of your crisper drawer?

You have two choices.

Choice A: Plug your nose, grab a paper towel, and deal with it right now. Thirty seconds of discomfort. Done.

Choice B: Close the fridge door and say the magic words: "I'll deep clean the fridge tomorrow."

If you picked B, I have some unfortunate news, you’re a Tomorrow Person.

And look, I get it. Tomorrow feels so much better than today. Tomorrow-you is rested, motivated, and definitely has more time. Tomorrow-you is an unstoppable superhero.

But here's the thing about Tomorrow Person: they never actually show up.

I see this pattern constantly with young entrepreneurs I meet. They want to start a business, but…

"I don't have enough experience yet."

"I need to save more money first."

"I should probably get business cards before I go to that conference."

Oh yeah, business cards, make sure you update your Rolodex and get more ink for your typewriter while you’re at it.

The hardest part when I hear this is that they know they're lying to themselves. And deep down, you probably do too when you make similar excuses.

The real problem isn't that they're unqualified or lazy. The real issue is simpler: action creates outcomes, outcomes might include failure, and failure is terrifying.

So we convince ourselves that tomorrow is the responsible choice. It’s the smart choice (in our minds) and we’re not procrastinating, we're simply preparing.

Here’s how I got over my fear and stopped being a Tomorrow Person:

You walk into a hospital room, poorly lit with flickering fluorescent lighting. You have to squint as you look over to the elderly person laying in the bed, eyes half shut. Your heart falls into the pit of your stomach as you realize that person is your future self. Panicking, you ask them what's wrong—are they sick?

Your elderly self musters up the strength to wave their hand at you, dismissively. "Don't worry about all of that. I only have time to tell you one thing. There is no more tomorrow for me. All those dreams you have right now? You never did them because you kept making excuses for why now wasn't the right time. My gift to you is you do have time, but you need to act now. Will you do it?"

Becoming a Today Person means you can no longer allow yourself to say things like "I'll start that business next year." No more "I'll travel when the kids are older." No more "I'll finally write that book when I retire."

Personally, my greatest fear is a lifetime of tomorrows that never come, ending up full of regret for all the todays I wasted waiting.

When you realize that the fear of a life unlived is far scarier than the fear of falling on your face, becoming a Today Person gets a whole lot easier.

So here's your challenge: What's the moldy tomato in your life right now? The hard conversation or scary decision that you’ve kept pushing to tomorrow?

Go deal with it today.

Avoid falling into the 'tomorrow entrepreneur' trap when it comes to exit planning.

Most entrepreneurs I speak with have some exit timeline in mind (often 1 to 5 years). The problem is that they push off any exit planning until, you guessed it, tomorrow. Not only does this make your business harder to sell, you could leave millions on the table when you do sell.

Which is why I am excited to share Breakwater's new Exit Audit service which includes for FREE:

  • Business valuation

  • Exit Readiness Score

  • Top buyers for your business

  • 30 day + 90 day action plan

Interested in getting your free audit? Book a call with our team HERE.

idea of the week 💡

  • Problem: You screenshot rooms constantly. The hotel lobby in Austin. The Airbnb in Portugal. That Instagram post you've saved and forgotten three times. 400 images in your camera roll, each one a vibe you swore you'd recreate. You never did. Good taste dies in screenshot folders.

  • Idea: Shop The Room is Shazam for furniture. Snap any room and it identifies every piece. Couch. Coffee table. Lamp. Throw pillows. Exact matches when they exist. Cheaper alternatives when they don't. Direct buy links and price comparisons. One photo, full breakdown. The screenshot becomes a shopping cart.

  • How it makes money: Affiliate commissions on furniture purchases, premium features for interior designers, and potential B2B partnerships with furniture retailers.

  • Why it might fail: Image recognition for furniture is hard—similar styles blur together. You'd also be competing with Pinterest and Google Lens, which are "good enough" for most users. The moat would need to be in the UX and recommendation quality.

friday fitness

give one of these workouts a try this weekend

at-home workout

Complete 4 rounds:

  • 15 burpees

  • 20 reverse lunges (each leg)

  • 30 mountain climbers

  • 1-minute plank hold

gym workout

5 sets of:

  • Deadlift: 5 reps

  • Bench Press: 6 reps

  • Barbell Row: 8 reps

  • Weighted Dips: 10 reps

  • Hanging Knee Raises: 12 reps

outdoor workout

For time:

  • Run 800m

  • 50 air squats

  • 40 push-ups

  • 30 jumping lunges

  • Run 800m

tweet of the week

An old gem 😂 😂

blog of the week

This week I published a deep dive into how sophisticated buyers structure capital to acquire businesses: The Debt Stack: Understanding M&A Financing Beyond Bank Loans.

If you've ever wondered how private equity funds, corporate strategics, and independent sponsors actually finance acquisitions, this one's for you.

I break down the full capital stack:

  • Senior Secured Debt – the cheapest capital, but with the tightest covenants

  • Mezzanine Debt – expensive but lets you stretch leverage without diluting equity

  • Unitranche – the go-to for competitive auctions where speed wins

  • PIK Notes – defer cash payments now, pay more later (with compounding)

  • Seller Notes – how to bridge bid-ask gaps and keep sellers aligned post-close

The difference between a 2x and 3x return on invested capital often comes down to how the deal was structured at entry.

my plugs

every second counts

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