One Life In, One Life Out

Loan Officer Freedom

Carl White

Mortgagemarketinganimals, Business, Loanofficer, Getmoreloans, Freedom, Mortgage, Loanofficercoaching, Carlwhite, Education, How To

5 • 743 Ratings

🗓️ 10 September 2025

⏱️ 8 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Episode 581

Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White.

In this episode, Carl opens up about a deeply personal season of life: the week his first grandson was born and his 90-year-old mother passed away just two days later. One life in, one life out. It sparked a powerful reflection on what really matters most in the time we are given.

Carl shares how this experience reframed the way he looks at business, money, and the daily grind that consumes so many loan officers. He talks about the difference between building a business that chains you to constant emails and phone calls versus building one that gives you the freedom to step away when life calls for your full presence.

You will hear what he calls the “freedom formula,” which is putting the right systems, people, and priorities in place so that your business serves your life instead of the other way around. Carl challenges you to ask yourself a simple but important question: if something big happened in your family tomorrow, could you step away without your business falling apart?

This episode is a reminder that success is not just about income or closings. It is about time, relationships, and freedom. Listen in, and let this message push you to re-engineer your business around what really matters.

If this message resonates with you, do me a quick favor and leave a review at 5StarCarl.com. Your feedback not only keeps this show going strong, but it also helps other loan officers find the tools and encouragement they need.

Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

Transcript

Click on a timestamp to play from that location

0:00.0	Hey friends, Carl White here.
0:08.8	I'm doing something a little different here today.
0:12.4	I want to share with you something, I don't know, kind of personal.
0:17.6	So about four months ago, my first grandson, Charles Thomas White came into this world.
0:28.9	And as fate would have it, a few days later, my sweet mother left this world.
0:41.1	Now, she had a good turn, a very good turn,
0:54.0	so it's not a sad thing, right? She was 90. So the same week, actually it was like two days apart, grandson was born and a couple two days later,
0:59.3	a sweet 90-year-old mother leaves this world, right? One life in, one life out, right? And it really
1:08.1	got me thinking about all this. I was thinking about this morning on my morning bicycle ride. It got me thinking about all this i was thinking about this on my this morning on
1:11.6	my morning bicycle ride it got me thinking about you know the the business the money the hard work
1:18.9	like what it's really all for and right before i hit the record button here i was just um
1:26.8	i'm here in my house right now,
1:29.1	and we're sitting with the grandson today. And, you know, when I hold that little baby,
1:35.5	it just made me realize how fast it all goes. Boy, you know, one day we're the young ones,
1:43.9	then we blink, and now we're the grandparents, right, or I am, right? Some of you are. Some of you are. And in between this stretch of life is where we decide, do we grind ourselves down for the job or do we build something that gives us time
2:04.1	and freedom to actually live? And I tell you, I think way too many loan officers, or frankly,
2:11.3	too many people are chained to their business, right? The phone, the inbox, the pipeline, like it literally never ends.
2:22.1	But what if you built it so that you could step away for a few days, like in my case,
2:29.3	to hold your grandson or your granddaughter, or spend time with your family, or frankly, just spend time with your family or frankly just spend time
2:37.0	with yourself just recharging your batteries and while you spend those few days by yourself with
2:42.5	your family with your grandson your granddaughter the business doesn't fall apart that that my friends
2:50.1	is the real measure of success. And I call it the
	...

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