Question this week:

"What AI are you using for your newsletters?"
- A Fellow Entrepreneur

Hey there {{contact.first_name}}!

Welcome to newsletter issue 2602. You’ll notice a "Question this week" above where there is usually feedback. The inquiry came directly regarding this newsletter, and it inspired in me an idea. I’ve started treating my digital workspace as a laboratory, experimenting with integrated and bespoke tools to test the limits of possibility of AI for Entrepreneurs. I'm testing friction points and building tech "recipes" to share with you soon. It’s a shift that is clearing the space I need to focus on the human side of business—and the professional decisions that carry real weight.

Speaking of weight, further down you'll find a cautionary tale in the DSCR section. It’s a story about why vetting your service partners is more critical now than ever in this contracting market.

But first, speaking of clearing space, let’s talk about why I’m ditching my clothes...

All my best,
-- Kris 🌱🫶

Sure, I joined a gym in January, like millions of others.
But that's too ordinary to bother you with.

Far more enjoyable than my daily gym visits have been the changes in my closet.

As I get older, I'm finished choosing between well put together and comfortable. After half my lifetime dressing professionally, my interest in being comfortable now has me fighting myself to put on anything but pajamas or athleisure. Unfortunately, those hardly embody the respected professional persona that I want to portray.

A few months ago, I stumbled across an ad for a very nice AND comfortable outfit—a top and pants. Plus, pockets! (I'm still flabbergasted most women's clothing lacks pockets. But I digress.) Online photos showed it could be dressed up or down. There is evidence tan is subconsciously perceived as a color of wealth and success, so I ordered the tan set.

The fabric is butter soft, ultra comfortable, breathes well, and drapes nicely without looking frumpy. True to the pics, I could dress it up or down. After wearing it several times, my husband encouraged me to purchase additional sets, so I got olive green and navy. The really important part: I no longer debate what to wear daily. Most days, I just choose tan, olive, or navy. If I'm going out, I kick it up a notch. I am comfortable AND confident.

As humans in this modern world with a constant barrage of information, many of us feel like we're drowning in micro-decisions. These lead to decision fatigue and burnout, sacrificing precious mental energy on choosing what to wear. The juice is simply not worth the squeeze, as they say.

Take Steve Jobs, dressed daily in a black turtleneck and jeans, eliminating trivial choices. Or Anna Wintour, Vogue's Editor in Chief, consistently in her patterned dress and statement necklace. Former President Barack Obama preferred grey or navy suits to "pare down decisions...because I have too many other decisions to make."

This intentional reduction of options preserves mental energy for more impactful matters. Studies show that when we wear clothes we feel good in, confidence and performance naturally increase. Further, evidence also reveals that "well-dressed" individuals unconsciously receive greater respect, professionalism, and deference. Ensuring we feel good and put together supports our business efforts in multiple ways.

For myself, after experiencing the undeniable comfort and confidence of my new, easily chosen outfits, I realized the potential to apply this principle to my entire wardrobe. I'm now pruning virtually all of it. I no longer want to choose between feeling comfortable or looking "nice." Unless it's pajamas or workout clothes for those dreadful daily gym visits, I aim to purge all but seven to ten outfits to cycle through without much decision-making. It may seem overly simplified, but strong indicators show decision fatigue rapidly rising, and I don't want to use my mental energy or time this way.

Now, I'm simply optimistic I'll soon reorder my clothes in a smaller size because of those dreaded trips to the gym.

Share the Clarity

Decision fatigue is a silent killer of entrepreneurial growth. If this "recipe" cleared some space for you today, help a friend clear theirs. Forward this to one person who needs to trade the noise for the signal.

Join the conversation: If this was forwarded to you, subscribe so you don't miss the next strategic guide designed to accelerate your growth.

"This is consistently the most
productive 3 hours of my week."

Freya's Arbor is a virtual sisterhood where Women Entrepreneurs overcome isolation and overwhelm by sharing insights, wisdom, and experiences.

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CORRECTION: Friday, January 23rd
For our first book of 2026, we are re-reading this member favorite!


I don't have the sign-up workflow set up quite yet, so please email me at hello@krisfleming.net to RSVP and I'll be sure you get the link.

Sometimes I don't Love Being Right

Unfortunately, it happened again this week.

But first, rewind to a couple of months ago when a prospective borrower approached me about a DSCR loan. I had some confusion about their entity documents, so I asked to review them in advance of processing a loan file. I identified some fatal flaws and carefully documented for them the what and the why of the problems.

When I followed up a few weeks later, I was dismayed to learn that they had chosen to go with another lender. In the current environment where loan originators have to fight for the privilege of writing every single file, this was disappointing, to put it mildly.

This week the prospective borrower came back. The aforementioned competitor was, in fact, not able to originate the loan, and we carefully discussed the best strategy to ensure success with me. The client is discussing with their CPA the corrections to their documents, and we will give it a fresh look together.

However, to my point—in the current environment where loan originators have to fight for the privilege of writing every single file, I encourage you to choose carefully. Consider the landscape shift:

  • 192,793 licensed mortgage originators (Late 2024)

  • 577,266 in 2023

  • 620,518 at the historic peak in 2022

More than 2/3 of licensed originators left the industry in a two-year period. Such attrition underscores the importance of carefully vetting your originator.

I am not always right, and I don't always enjoy it when I am. But I will always give you my best effort.

NMLS ID: 71640 Licensed States: AL | AK | AR | AZ | CA | CO | CT | DC | DE | FL | GA | IA | ID | IL | IN | KS | KY | LA | MA | MD | ME | MI | MN | MT | NC | NE | NH | NJ | NM | NV | OH | OK | OR | PA | RI | SC | TN | TX | UT | VA | WA | WI | WY

Do you have questions about DSCR loans or want a quote? Email me at hello@krisfleming.net, or click below.

DSCR Information

Generational Prosperity. Resilient Freedom.

This has been newsletter issue 2602. View an archive at The Genius Journal.

615.234.1236
hello@krisfleming.net

Copyright © 2026 The Genius Cultivator LLC, All rights reserved.
Our e-mail address is: support@krisfleming.net

The content provided is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Lending provided by Oaktree Funding Corp., NMLS# 71640. AZ State MB 0920541 www.nmlsconsumeraccess.org | Not all lending products are available in all states. Kris Fleming NMLS 804170 does not engage in consumer-purpose lending of any kind and this information is intended solely for business-purpose real estate investors. Equal Housing Lender.

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