How to stay resilient when times are tough.

Building Resilience: Strategies to Thrive in Challenging Times


In the face of uncertainty and adversity, the ability to remain resilient is key to not only surviving but thriving in tough times. Resilience empowers individuals and businesses to bounce back from setbacks, adapt to change, and emerge stronger than before. Drawing insights from leading publications like Entrepreneur, Forbes, and FastCompany, this article explores actionable strategies to cultivate resilience in both personal and professional spheres.


1. Embrace a Growth Mindset:

According to research featured in Forbes, individuals with a growth mindset perceive challenges as opportunities for growth rather than insurmountable obstacles. Cultivate a mindset of resilience by reframing setbacks as learning experiences and focusing on solutions rather than dwelling on problems. Adopting this perspective fosters a sense of optimism and empowers you to navigate adversity with confidence.


2. Develop Strong Social Support Networks:

As highlighted by Entrepreneur, building strong social support networks is essential for resilience. Surround yourself with friends, family, mentors, and colleagues who offer encouragement, guidance, and perspective during tough times. Connecting with others not only provides emotional support but also facilitates collaboration and problem-solving, strengthening your ability to overcome challenges.


3. Prioritize Self-Care:

Maintaining physical and mental well-being is crucial for resilience. FastCompany emphasizes the importance of prioritizing self-care practices such as exercise, mindfulness, and adequate sleep. Incorporate regular exercise into your routine to reduce stress and boost mood. Practice mindfulness techniques such as meditation or deep breathing to cultivate inner calm and clarity. Additionally, prioritize restorative sleep to recharge your body and mind, enhancing your resilience in the face of adversity.


4. Foster Adaptability:

Forbes underscores the significance of adaptability in building resilience. In today's rapidly changing world, the ability to adapt to new circumstances and pivot when necessary is essential for survival. Cultivate adaptability by remaining open to new ideas, embracing change, and continuously learning and evolving. By remaining flexible and adaptable, you can effectively navigate unexpected challenges and seize opportunities for growth.


5. Set Realistic Goals and Take Action:

Entrepreneur emphasizes the importance of setting realistic goals and taking consistent action to build resilience. Break down larger goals into manageable tasks and create actionable plans to achieve them. By focusing on concrete steps and measurable progress, you can maintain a sense of momentum and motivation, even in the face of adversity. Celebrate small victories along the way, recognizing your progress and reinforcing your resilience.



In conclusion, building resilience is essential for thriving in challenging times. By adopting a growth mindset, cultivating strong social support networks, prioritizing self-care, fostering adaptability, and setting realistic goals, individuals and businesses can strengthen their resilience and emerge stronger from adversity. Drawing insights from leading publications such as Entrepreneur, Forbes, and FastCompany, these strategies offer practical guidance for navigating tough times with resilience and resolve. Remember, resilience is not about avoiding challenges but about facing them head-on and emerging stronger on the other side.



- Forbes: "How to Build Resilience and Bounce Back Into Life"

- Entrepreneur: "5 Ways to Build Resilience and Drive Business Success"

- FastCompany: "The Science-Backed Ways to Build Resilience in Challenging Times"

How Can Artificial Intelligence "AI" Scale My Sales?

Leveraging AI to Accelerate and Improve Sales Scalability

In today's competitive business landscape, the ability to scale sales rapidly and efficiently is crucial for sustainable growth. Traditional sales methods often struggle to keep pace with the demands of modern consumers, leading businesses to explore innovative solutions. One such solution gaining significant traction is the integration of Artificial Intelligence (AI) into sales processes. By harnessing the power of AI, companies can not only scale their sales efforts faster but also achieve better results. In this article, we'll explore how AI can revolutionize sales scalability and drive business success.

Lead Generation and Qualification

One of the primary challenges in sales is identifying and prioritizing high-potential leads. This is where AI shines. AI-powered tools can analyze vast amounts of data from various sources to identify prospects who are most likely to convert into customers. By leveraging machine learning algorithms, these tools can discern patterns and behaviors that human analysts might overlook, enabling sales teams to focus their efforts on leads with the highest probability of success.

Moreover, AI can automate the lead qualification process, saving time and resources for sales representatives. Through advanced lead scoring techniques, AI algorithms can assign scores to leads based on factors such as demographic information, past interactions, and online behavior. This ensures that sales teams prioritize their efforts on leads that are most likely to result in conversions, thereby increasing efficiency and effectiveness.

According to a recent Forbes article, companies that leverage AI for lead generation and qualification experience a significant improvement in their sales productivity and conversion rates. By harnessing AI's capabilities in this area, businesses can scale their sales efforts faster and more effectively than ever before.

Personalized Customer Engagement

In today's era of hyper-personalization, customers expect tailored experiences that cater to their individual needs and preferences. AI enables businesses to deliver such experiences at scale by analyzing vast amounts of customer data and providing personalized recommendations and interactions.

AI-powered recommendation engines analyze customer behavior, purchase history, and preferences to suggest products or services that are most relevant to each individual. Whether through personalized email campaigns, targeted advertising, or dynamic website content, AI ensures that customers receive tailored recommendations that resonate with their interests, leading to higher engagement and conversion rates.

Furthermore, AI-driven chatbots and virtual assistants play a crucial role in providing personalized customer support and guidance throughout the sales journey. These chatbots leverage natural language processing (NLP) and machine learning to understand and respond to customer inquiries in real-time, providing instant assistance and information round-the-clock. By delivering personalized support at any time of the day or night, AI-powered chatbots enhance customer satisfaction and drive sales growth.

A Fortune article highlights how companies like Amazon and Netflix have leveraged AI to deliver personalized recommendations to their customers, resulting in significant revenue growth. By adopting similar AI-driven strategies, businesses can scale their sales efforts while delivering exceptional customer experiences.

24/7 Availability and Instant Response

In today's fast-paced digital environment, customers expect instant responses to their inquiries and concerns. AI-powered chatbots and virtual assistants enable businesses to meet these expectations by providing round-the-clock customer support and instant responses to inquiries.

These AI-driven assistants can handle a wide range of customer inquiries, from basic product questions to more complex troubleshooting issues, without the need for human intervention. By automating routine interactions, AI frees up sales representatives to focus on more strategic tasks, such as building relationships and closing deals.

McKinsey reports that businesses that deploy AI-powered chatbots experience a significant increase in customer satisfaction and retention rates. By providing instant support and assistance, AI-driven chatbots enhance the overall customer experience and contribute to sales scalability.

Sales Process Optimization

AI can optimize various aspects of the sales process, from pipeline management to forecasting and pricing strategies. By analyzing historical sales data and market trends, AI algorithms can provide valuable insights and recommendations that enable sales teams to make informed decisions and take proactive actions.

Predictive analytics, powered by AI, enable businesses to forecast sales trends, identify potential opportunities and risks, and optimize pricing strategies to maximize revenue. These insights empower sales teams to allocate resources more effectively, prioritize sales efforts, and adapt their strategies in real-time to changing market conditions.

A McKinsey report highlights the transformative impact of AI on sales process optimization, citing examples of companies that have achieved significant improvements in sales performance and efficiency by leveraging AI-driven insights and recommendations. By embracing AI technologies, businesses can streamline their sales processes and achieve better results with less effort.

Empowering Sales Teams

Contrary to common misconceptions, AI is not a substitute for human sales professionals; rather, it complements their efforts and empowers them to perform at their best. By automating routine tasks such as data entry, lead qualification, and follow-up communications, AI frees up sales representatives to focus on higher-value activities such as building relationships, identifying new opportunities, and closing deals.

AI-driven insights and recommendations provide sales teams with valuable guidance and direction, enabling them to make data-driven decisions and adapt their strategies to achieve better results. By arming sales professionals with the tools and information they need to succeed, AI enhances their productivity, effectiveness, and job satisfaction.

A Forbes article highlights the role of AI in empowering sales teams and driving performance improvements across various industries. By embracing AI technologies, businesses can unlock the full potential of their sales teams and achieve greater scalability and success in the marketplace.


In conclusion, AI has emerged as a powerful tool for accelerating and improving sales scalability in today's dynamic business environment. By leveraging AI-powered tools and technologies, businesses can streamline lead generation and qualification, deliver personalized customer experiences, provide round-the-clock support, optimize sales processes, and empower their sales teams to achieve better results with less effort.


  • Forbes: "How AI Is Transforming Sales and Marketing" by Bernard Marr
  • McKinsey & Company: "Sales Growth: Five Proven Strategies from the World's Sales Leaders" by Tiffani Bova and Laura LaBerge
  • Fortune: "How AI Is Revolutionizing Personalized Recommendations" by Robert Hackett

Silicon Valley Bank: Outlier or Harbinger?

Confidence in banking is falling. The Silicon Valley Bank (“SIVB”) failure ignited a host of old fears as well as new ones. U.S. consumers have nearly the same fear level of concern about banking as they did during the 2008 financial crisis. According to a Gallup poll, when asked about “the safety of money you have deposited in banks and other financial institutions”:

  • 19% of Americans were “Very worried”
  • 29% of Americans were “Moderately worried”
  • 30% of Americans were “Not too worried”
  • 20% of Americans were “Not worried at all”
  • And only ~2% of Americans had no opinion

For comparison purposes, in September of 2008, fresh from the Lehman Brothers collapse (also the largest bankruptcy filing in U.S. history), consumer concern was 45% either very or moderately worried about the safety of their money. Even after Congress bailed out at-risk banks with TARP (Troubled Assets Relief Program), 41% of U.S. consumers surveyed said they were still very or moderately worried.


Why did Silicon Valley Bank Fail?

Silicon Valley Bank failed on March 10, 2023. SVB failed because they ignored tried and proven long-term investing cardinal rules: Diversification and Risk Management. Despite its impressive growth and $209 Billion Asset base in 2022, according to the FDIC (Federal Deposit Insurance Corporation), its specialization in venture capital-backed startup tech companies became a proverbial double-edged sword. Non-diversification: SVB invested outsized amounts of their deposits in long-term U.S. Treasuries and MBS (mortgage-backed securities). Smart play if interest rates stayed low -which they did for years. However, it was an inherently risky play, because interest rates historically are prone to changes and sharp ones at that. When interest rates inexorably rose again, the bank’s bond portfolio started taking losses. Interestingly, SVB would have recovered its capital if different circumstances allowed them to hold their bonds through maturity.


Relaxed Risk Management

In 2021, Silicon Valley Bank moved to longer-term securities to increase their yield, but did not adequately protect the downside risk with shorter-term investments for near-term liquidations. This imbalance made SVB effectively insolvent because they were no longer able to offload their assets without incurring significant losses.


After the Federal Reserve began raising interest rates, moving the federal funds rate aggressively higher from 0.25% to 0.50% (March 17, 2022) to 5.25% to 5.50% (July 26, 2023), many bank customers began taking their money out as Venture Capital began shriveling up -causing a painful chain reaction. SVB was then forced to sell their originally profitable bond positions at significant losses. Next, news of these losses stoked embers for investors to panic. Then, the news was very quickly disseminated amongst SVB’s very tech-saavy client base -turning panic into an outright fear stampede.


A Good ‘ol fashioned Bank Run meets 2023 Technology

On March 8, 2023, SVB announced it was raising $2 Billion in capital because of a $1.8 Billion loss incurred after selling a bond portfolio. Then SVB CEO, Greg Becker attempted to allay fears by stating that SVB had the “financial position to weather sustained market pressures,” but noted that customer deposits were lower than expected in February. Not convinced, the credit ratings firm, Moody’s downgraded the bank’s bond rating and slashed its outlook to negative, from stable.


Now publicly short on capital, news of Silicon Valley Bank’s illiquidity problems spread like a wildfire through a dry forest in summer via social media platforms. SVB customers began withdrawing their capital through every possible method -especially digitally. The speed and ferocity of the withdrawals amplified by social media expletives. Axios found that negative tweets have a negative effect on bank returns, especially if those tweets originated from a startup leader. Further, “the intensity of Twitter conversation[s] about a bank predicts stock market losses.” SVB’s stock price imploded by ~60% on March 9 -less than 24 hours from the capital raising declaration. According to the Federal Reserve Board, SVB deposit outflows were over $40 Billion.


On March 10, Silicon Valley Bank, once the darling of Silicon Valley’s Tech community, failed. The CDFPI (California Department of Financial Protection and Innovation) shuttered the bank after the unprecedented deposit outflow. The FDIC was named receiver of the U.S.’s 16th largest bank and it became the largest bank crash since the Great Financial Crisis.


Reverberation and the Future of Banking

The shockwave of SVB’s failure immediately affected other banks such as First Republic, Signature Bank and Western Alliance. Similarities, again go back to non-diversification and risk management errors. The KBW Bank and Regional Bank indices, down ~20% YTD, are seriously lagging behind the S&P 500 up ~16% YTD. Conversely, as panic ensued at SVB and Signature Bank, megabanks like J.P. Morgan got bigger through both deposit inflows and stock price -as customers and investors sought refuge from any lesser-sized-bank instability.


Banks may be treated more like a customized and diversified portfolio in the future. Where customers no longer hold all of their assets at one single financial institution for added risk management and diversification. The number of FDIC-insured commercial banks was about 14,400 in the early 80s and now numbers 4,136 in 2022, according to the FDIC. This downtrend is likely to continue as U.S. still boasts the highest number of banks in the world and as consumers gravitate towards frictionless banking -where physical location is no longer the primary driver. Further, digital banking and social media will continue to be bigger parts of consumers’ lives -which will exaggerate any future panic at any other bank -real or perceived. In other words, competition is heating up, but is now skewed to large- and mega-sized financial institutions.


The SVB collapse punctuates the importance of strong portfolio management inclusive of robust risk management and personalized diversification. This means managing risk not only in bad times, but also in times of plenty. 




Gallup - About Half in U.S. Worry About Their Money's Safety in Banks

Forbes - Federal Funds Rate History 1990 to 2023

The New York Times - 10 Days That Have Roiled Markets: A Timeline of the Banking Chaos

Axios - Twitter fueled run on Silicon Valley Bank, new paper finds

Federal Reserve - Re: Review of the Federal Reserve’s Supervision and Regulation of Silicon Valley

Finextra - The value of frictionless banking

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