THE HIDDEN COST OF CHANGE: WHY STICKING WITH THE RIGHT THING BEATS CHASING THE NEW THING

Hey Everyone,

I’ve been in enough rooms with entrepreneurs and investors to know:

We’re addicted to change.

New strategies. New vehicles. New verticals. New opportunities.

And while some pivots are necessary—most of the time, they’re just momentum killers in disguise.

💭 The Real Cost of Change

Every time you switch your strategy, change direction, or shift your focus—even just a little—you’re not just “trying something new.”

You’re losing velocity in the thing you’ve already built.

That loss isn’t free. It comes with a cost.

📉 Lost momentum

📉 Broken workflows

📉 Distracted execution

📉 Delayed compounding

And here’s what I’ve realized:

If the shift you’re making won’t double or triple your outcome—then it’s probably not worth the disruption it causes.

📊 Here’s How I Think About It:

Let’s say you’re operating at 85% efficiency in your current business or strategy. You’re profitable, growing, and building systems.

Now you pivot. You switch models, launch something new, chase a new idea.

That change alone might drop you down to 70% or even 60% efficiency for the next 3–6 months while you figure it out.

To justify that drop in performance, the upside you’re switching to better be 2–3x what you’re giving up.

If it’s not?

You would have been better off just doing more of what you’re already doing—and doing it better.

🔁 Momentum is a Moat

In business, consistency is a compounding machine.

Every time you stop that machine to go chase something shiny, you have to restart the engine. You burn time. You burn focus. And sometimes you burn cash.

What I’ve learned is that the entrepreneurs who get wealthy aren’t constantly changing what they do—they’re constantly improving how they do it.

🧠 My Personal Rule Now:

“If I’m going to change directions, the upside must be at least 3x what I’m giving up. If it’s not? I dig deeper into my current model instead.”

For me, that’s private lending. I’m not chasing a fund model. I’m not running off to buy a plumbing company. I’m doubling down on underwriting better deals, serving better borrowers, and becoming a master capital allocator right here in Arizona.

📌 Your Move

Before you pivot, pause.

Ask yourself:

• What will I lose if I make this shift?

• How long will it take to rebuild momentum?

• Is the upside at least 2x–3x what I’m giving up? 

If it’s not?

Go do more of what you’re doing. And do it better.

That’s where the real gains live.

DK 💰Founder, Kennard Capital & 42 Solutions