On the Growth Notes Podcast, Frazier shares a key takeaway from Cody Sanchez’s talk at Fuse after returning home to Atlanta: the biggest problem in any business has always been, and will always be, you—based on how you react and what you choose to do or avoid. He explains that everything involves risk, including doing nothing, and challenges loan officers who want to grow but refuse to hire because they can’t see past the cost. Frazier argues that if you’re the single point of failure, you don’t have a business—you have a job—and there’s no shame in either, as long as you’re honest about what you want. To scale without burning out, he emphasizes hiring, strong SOPs, systems, automation, or AI, and taking ownership of both wins and losses.