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What Happened When I Stopped Blaming and Embraced Radical Responsibility
“I can respect any person who can put their ego aside and say, ‘I made a mistake, I apologize, and I’m correcting the behavior.’” ~Sylvester McNutt
I remember I was a teenager when I went through this horrible breakup. I had never experienced heartbreak before, and the pain was excruciating, impacting many areas of my life. For years, I blamed him for the end of our relationship and for not appreciating my love.
My friends told me it was his loss and that I deserved much better. I nursed that breakup for longer than necessary. I never took responsibility for my part in the breakup and blamed only him for the type of person I became—guarded, insecure, and afraid to love.
Years later, I realized I had fallen into the common trap of the victim mentality that we all experience at some point in our lives. To be honest, I think I felt like a victim till I was almost forty.
I was young, and I had to go through all the feelings of grief, betrayal, and disappointment to slowly heal over the years because it always takes time, especially when you are not aware or not ready to admit that “Yes, I did play a part in what happened and how it made me feel.”
That is radical responsibility. Radical responsibility theorizes that we are 100% responsible for our lives, feelings, and personal growth in response to events.
This can be misinterpreted as absolving others of responsibility for their actions. However, holding others accountable for their actions is a separate and important process. Radical responsibility focuses on our own internal responses and choices while acknowledging the actions of others. It is a sign of personal growth when we accept our role in what happened instead of solely blaming others.
For instance, instead of immediately reacting defensively in a conflict, we can pause to examine our contributions to the situation. Did I miscommunicate? Did I react impulsively? Did I mess up?
Understanding our role allows us to communicate more effectively and constructively resolve conflicts. In relationships, radical responsibility encourages us to take ownership of our needs and boundaries, communicate them clearly, and respond to challenges with self-awareness and compassion rather than assigning blame.
By embracing radical responsibility, we begin to understand the valuable lessons that can be learned from even the most difficult experiences. It was very challenging for my ego to admit that I had been wrong so many times and that it was not always other people’s faults.
Experiencing the dark phases in life is necessary to grow and learn that there is more to every story. It’s easy to blame others for everything that goes wrong in your life, and it happens in all relationships, whether family, friends, coworkers, or even strangers. Some of us play the victim more than others because I know I did and still do, and I have to constantly remind myself that I am not an innocent bystander with no say or control in the situation.
It’s easier to blame others (“She’s terrible,” “Why me?”) than to examine my own role in the situation, acknowledging that I made choices within the context of my circumstances. It takes courage to acknowledge past behaviors like tolerating mistreatment to maintain approval, remaining silent out of fear, or prioritizing social acceptance over self-expression.
It doesn’t mean everyone is out there to get you or that every time you get hurt, it is only your fault, but that when something happens, we play a big role in what we do or feel.
For decades, I saw myself as a victim because I told myself that it was always other people’s fault when something went wrong in my life. I never wanted to admit that I also played a role in this. Initially, examining past situations and acknowledging my role wasn’t easy. It was painful to admit to myself that I made those mistakes and decisions because it is always easier to blame others and find fault in anyone but myself.
My graduate school experience was a prime example. I told myself I went there solely because my then-boyfriend wanted me to. I focused on his driving me to and from classes and his requests for constant contact, framing these as controlling actions—which they were.
But the truth, however painful to admit, was that I chose that school. I isolated myself from my classmates because that was what he wanted. He didn’t force me to do or not do anything. They were my decisions, made in a desperate attempt to salvage a relationship I feared losing and to avoid conflict.
Acknowledging this truth and recognizing my role in creating my unhappiness was a long and difficult process.
At first, I found this self-examination difficult. However, the more I analyzed my role in those situations, the more empowered I felt because I learned how much control I have over the things I do, say, and feel moving forward.
Reflecting on my role in past situations provided valuable lessons for navigating future challenges. Acknowledging my responsibility, despite external circumstances, brought a sense of freedom and a deeper understanding of my humanity. I felt this sense of freedom and relief because I had been carrying this burden for decades.
I know myself more because I called myself out on my choices because of my fears and insecurities, and other people may or may not have influenced my decisions. In the end, I did that.
I knew I was growing up when I was able to admit my mistakes in front of other people.
Accepting radical responsibility doesn’t mean others won’t try to influence you; it means you’re responsible for your responses. Radical responsibility is a conscious act of personal freedom in which we choose to look at ourselves rather than always pointing fingers at others.
Embracing radical responsibility is a journey of self-discovery that empowers us to navigate life’s challenges with greater awareness and resilience. By acknowledging our role in shaping our experiences, we move beyond the limitations of victimhood and cultivate a deeper understanding of ourselves and our relationships. This journey fosters self-awareness, improves communication, and ultimately empowers us to create a more fulfilling and authentic life.
(It’s crucial to acknowledge that radical responsibility does not apply in cases of abuse, assault, or trauma, where individuals are not responsible for the actions perpetrated against them. Survivors of these traumatic experiences may experience guilt, shame, and remorse, which are complex and distinct emotional responses that require specialized support and understanding.)
About Anjana Rajbhandary
Anjana Rajbhandary is an Ayurvedic Health Teacher and Certified Mental Health Professional with a passion for holistic wellness. When she’s not writing or teaching, you can find her exploring new cultures, enjoying live music, or spending quality time with her beloved rescue puppy, Sloane. Visit her at anjyrajy.com, on Medium, and on Instagram.
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REVERB 18: The Secret to Lifelong Learning and Great Leadership
Great leaders don’t just hear; they listen. In this REVERB episode, we dive deeper into last week’s discussion on Why the Best Leaders Never Stop Learning. You’ll learn that when you listen, you learn, and when you learn, you lead better.
Listen to last week’s episode: https://youtu.be/BYHv7IxtV40
Andy Stanley Leadership Podcast: February 2025 Episode | REVERB 18: The Secret to Lifelong Learning and Great Leadership
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An ETF for Every Age: Retirees Should Kick Back (and Enjoy the Dividends)
The popularity of exchange-traded funds has exploded recently. As part of Money’s series on an ETF for every age, the following discusses appropriate strategies and a fund that is suitable for retired investors.
Your career is in the rearview mirror. Early bird specials, senior discounts and time for your hobbies await. While the rest of us are stuck at work, a procession of cruise ships are at your beck and call.
But before embarking on that floating all-you-can-eat buffet, get your financial affairs in order. While you may be receiving Social Security benefits and making routine withdrawals from a retirement account, having an additional means of generating income could be the icing on the cake.
With this age group, a major emphasis should be placed on capital preservation. For some, that means abandoning equities entirely and reallocating to debt securities with near-zero risk and guaranteed yield, such as CDs and Treasurys.
But for those who want to remain in the market, doing so conservatively is ideal. And although you’re no longer pulling a weekly paycheck, you can turn to dividend ETFs that will pay you while you’re on the pickleball court.
High-yield ETFs
As equity securities, dividend ETFs can’t guarantee safety or fixed yields like debt securities can. Treasurys are backed by the full faith and credit of the U.S. federal government, meaning the government pledges to repay investors on these securities regardless of economic conditions. That makes them considered one of the safest investments available. Similarly, most CDs are protected by FDIC insurance. Generally, both offer fixed rates.
Passively managed income ETFs vs. actively managed income ETFs
One of the most popular options is the Schwab U.S. Dividend Equity ETF (SCHD), which launched in October 2011 and invests in high-dividend companies like Pfizer, Chevron and Coca-Cola — the latter of which is a Dividend King that has increased its payout for 62 consecutive years. With $65.28 billion in net assets, the passively managed fund pays a dividend yielding 3.76% with a low expense ratio of 0.06%. Over the past year, SCHD gained 7.34%.
But since yield — not share appreciation — is the primary objective for investors in this age group, the JPMorgan Equity Premium Income ETF (JEPI) presents a superior alternative. As an actively fund, JEPI carries a higher-yet-manageable expense ratio of 0.35%, meaning for every $1,000 invested, you will pay $3.50 in annual fees. But in return for that cost, you receive a dividend currently yielding 7.08% that is paid monthly, whereas SCHD makes its distributions quarterly.
To illustrate just how significant JEPI’s dividend is, if you have $100,000 invested in the ETF, it would yield $7,080 annually, or $590 per month. By contrast, that same $100,000 invested in SCHD would yield $3,760 annually, or $313 per month, and you’d have to way for quarterly distributions. Put another way, you’d receive 46.94% less monthly income from SCHD than you would with an identical amount invested in JEPI.
Unlike the passively managed SCHD, JEPI’s fund managers are able to achieve this by using a covered call strategy to generate income. Translation: Whereas SCHD’s yield comes from the high-dividend companies it invests in, JEPI’s yield is produced from the premium its managers generate by selling call options.
While this strategy may seem higher-risk, it actually helps reduce volatility and downside risk. And while selling call options limits the potential gains the fund produces, the result is ideal for investors in this age group. Since debuting in May 2020, JEPI has traded in a well-defined range between $49.71 and $63.19. Despite only gaining 4.95% over the past year, again, the goal of owning dividend ETFs is not to outperform the market.
In fact, the relative price stability JEPI offers is one reason it’s able to pay such a substantial monthly dividend — and one reason older investors looking to preserve their capital while generating income should be interested in this ETF.
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Max Hortmann is Germany’s Rising Star in Abstract Art
There are moments in life that redefine a person’s entire existence. For Max Hortmann, Germany’s rising abstract painter, that moment arrived three years ago with a devastating diagnosis — an incurable nerve disease that forced him to confront his mortality at just 33. But instead of succumbing to despair, he chose a different path: one of raw expression, fearless exploration, and boundless artistic freedom.
His transition from a high-powered legal career to the world of abstract art wasn’t just a career shift — it was an act of survival. Trading structured arguments for chaotic brushstrokes, the artist embraced the unknown, pouring every emotion onto the canvas with unfiltered intensity. Each piece he creates is a testament to his journey: a blend of struggle and resilience, control and surrender, pain and beauty.
Courtroom to the Canvas
Few would expect a former lawyer to abandon the rigid world of legal codes for the fluidity of abstract painting, but for this artist, the decision became inevitable. Max’s legal career had been suffocating — demanding conformity, draining his energy, and worsening his condition. When faced with the reality of a shortened lifespan, he realised the only logical response was to reclaim his time and spend it doing something that made him feel alive.
It began with collages, constructed from whatever was at hand — flipped-over images, scraps of material, elements pieced together without glue. These early works mirrored the way people mask pain with distractions, revealing the underlying trauma beneath. From there, the transition to painting was natural. Unlike law, which demanded precision, his art required him to relinquish control. Instead of planning each step, he let colours collide, used unconventional tools and followed wherever instinct led.
That sense of liberation remains central to his creative process. He doesn’t sketch or overthink. Instead, he allows emotion to dictate movement, treating the canvas as a space where nothing can be wrong. If a piece doesn’t resonate, he reworks it — because in art, as in life, change is always an option.
Emotion as a Medium
His work is more than just paint on canvas — it’s a visceral experience. Each piece captures a spectrum of emotions, from darkness and rage to love and euphoria. Black often dominates, representing pain, but it never stands alone. Lighter hues emerge as a counterbalance, symbolising acceptance, transformation, and ultimately, control over one’s own narrative.
One of his most compelling techniques is the way he interacts with his art after it’s “finished.” He doesn’t just create and walk away. He sits with his paintings, allowing them to evolve alongside him. Days, sometimes even weeks later, he may add layers, altering them to reflect a new emotional state. The process is fluid — an ongoing conversation between creator and creation.
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The Freedom That Law Never Gave Him
If there’s one word that defines his approach to art, it’s freedom. Unlike his legal past, where every move was scrutinised, painting offers a release from judgment. He no longer adheres to expectations, doesn’t conform to norms, and refuses to seek approval.
This newfound autonomy has even reshaped the way our breakthrough artist moves through the world. No longer bound by professional dress codes or rigid social etiquette, he walks into luxury hotels in beanies and sunglasses, unapologetically himself. The transformation is undeniable — law once dictated his life, but now, art has granted him the confidence to live authentically.
Even as his works sell for EUR 40,000 and beyond, he remains untouched by external pressure. Success, while validating, doesn’t dictate his creative process. He paints for himself, allowing each piece to unfold organically. If his art connects with someone deeply enough for them to take it home, that’s an honour. But financial success was never the goal — art is.
A Dialogue Between Artist and Viewer
Abstract art invites interpretation, and Max revels in that exchange. There’s no singular meaning behind his work — only endless possibilities. He relishes watching viewers engage with his pieces, seeing them lose themselves in the details, discovering new emotions with each glance.
Early on, it was difficult to accept that others might see something entirely different from what he had intended. His paintings are deeply personal, born from his own experiences, yet they take on new lives in the eyes of those who view them. This realisation transformed his perspective: perhaps the emotions others find in his work are not just his, but a merging of both artist and audience.
Beyond the canvas, his art carries a deeper message — a challenge to conventional thinking, a push against surface-level judgments. Having faced discrimination due to his illness, he understands firsthand how quick people are to assume, to misinterpret. In many ways, his work is a call for a broader perspective, a reminder that there is always more beneath the surface.
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A Mind Shaped by Structure, A Soul Devoted to Chaos
Though Max’s artistic process is instinctual, the discipline of his past life lingers. His legal background instilled in him a sharp analytical mind and an ability to dissect complexities and impose structure when necessary. But rather than restraining him, this balance between order and chaos fuels his creativity.
In the beginning, he rejected all structure, immersing himself fully in feeling. Over time, he realised that form and freedom could coexist. His work is no longer purely about emotional release — it’s about shaping that energy into something tangible, something lasting. The lawyer in him never truly disappeared; instead, it found a new purpose.
A Future Without Limits
As his reputation soars, so does his ambition. Larger canvases, new techniques, and deeper explorations of emotion all lie ahead. Though abstract painting remains his primary passion, he remains open to whatever inspiration brings.
One thing is certain: Max’s work will continue to evolve, just as he does. Success won’t slow him down — it will only propel him further, allowing him to refine his voice, push boundaries, and, above all, stay true to his vision.
For Germany’s most electrifying new artist, the journey has only just begun.
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