A Conversation on Balance, Mental Health, and Supporting One Another

Joe Kennedy, Raquelle Riti, Missy Boots • March 6, 2026

Three members of the Member Engagement Committee recently spoke with Ruby Nolt of R Nolt Consulting. Ruby is an executive coach and consultant who works with high-performing leaders and executives, helping them navigate professional success while maintaining personal well-being. During our conversation, she shared thoughtful guidance on maintaining balance and protecting mental health, especially in high-pressure professions like real estate.


Here are some highlights of the conversation:


The Challenge of Asking for Help


Many successful professionals, including Realtors, feel pressure to always appear confident, capable, and in control. As such, they may find it difficult to acknowledge a need for help when it is most needed. Ruby notes that this mindset can make it difficult to ask for help when it is most needed.


She offers a simple but powerful perspective: every “yes” requires a “no.” When we say yes to success, productivity, or maintaining a certain image, we are inevitably saying no to something else—whether that’s time with family, personal values, or our own well-being.


Understanding your core values is critical. When you are clear about what matters most, it becomes easier to align your commitments accordingly. Saying yes should move you toward the person you want to become and reflect the values you hold most important.


When You’re Not in the Right Headspace


Real estate can be fast-paced and demanding. When professionals feel overwhelmed or mentally drained, Ruby recommends focusing on small, intentional changes-what she calls micro shifts.


A micro shift is a small, repeatable behavior that can be practiced daily to create positive momentum. For example:

  • Establish boundaries around communication, such as limiting when you check or respond to calls.
  • Protect personal time, even if that means skipping an open house or scheduling a rest day.
  • Set tangible goals that support what matters most to you.


If your goal is to spend more time with family, a practical step might be putting your phone down for an hour each evening and being fully present during that time.


Ruby also recommends grounding techniques when emotions run high. One effective exercise involves engaging your five senses: identify five things you can see, hear, touch, smell, and taste. Taking a moment to breathe and refocus can help restore clarity.


Another key reminder: not everything is a crisis. Before reacting immediately, pause and ask yourself, What is the worst-case scenario if this waits? Typically, the world continues just fine while you take a moment to reset.


Showing Up at Your Best


To perform well professionally, personal well-being must come first. Ruby encourages professionals to care for the full spectrum of their health—physical, mental, spiritual, and relational.


Taking time to address personal challenges outside of work allows you to show up more fully and effectively in your professional life. One helpful practice is reflecting on gratitude and daily wins both before going to bed and when waking up. This mindset shift can foster perspective and resilience. There are times when the brain needs to be retrained to identify the positives instead of negative self-talk.


Normalizing Conversations About Stress and Burnout


One of the most important steps toward improving mental health in professional environments is normalizing honest conversations.


Many people hesitate to be genuine out of fear of judgment. However, Ruby points out that authenticity often opens the door for others to do the same. Sharing your story and experiences may provide reassurance to someone else who is struggling.


Accountability also plays a role. Leaders and colleagues alike should take time to genuinely check in with one another. Rather than a quick “How are you?” followed by moving on, pause long enough to ask sincerely and listen to the answer. It can also mean gently challenging a quick or superficial “I’m good” response and taking the extra moment to see if it reflects how someone truly feels.


Creating an environment where colleagues feel seen and supported builds stronger relationships and a healthier workplace culture.


Supporting a Community Through Loss


When a community experiences the loss of a member, it is important not to avoid the conversation. Ignoring grief can make it feel like an unspoken presence that lingers.


Ruby suggests acknowledging the loss openly and offering support through resources such as grief counselors, pastoral care, and other professional services. Providing space for people to process emotions is essential.


It is equally important to continue checking in with those affected in the weeks and months that follow. Often, when life appears to return to normal, individuals may still be struggling. When someone is grieving, allow them the space to do so in fashion that is comfortable to them.

Honoring the memory of those we have lost—through remembrance, conversation, or simply allowing others to share their memories—can be an important part of healing.


One Final Piece of Advice

When asked to offer the most important advice she could give professionals in a single sentence, Ruby’s answer was simple and powerful:

“Know what really matters.”


As Realtors, we work in a profession built on relationships, service, and trust. Taking care of our own well-being ensures that we can continue to serve our clients, our colleagues, and our communities with the compassion and professionalism they deserve.


If you or someone you know is struggling, please remember that support is available. Reaching out for help is not a sign of weakness - it is a sign of strength.


The fine print:

The information shared in this article is intended for general awareness, reflection, and community support. It is not intended to diagnose, treat, or replace professional mental health care. The insights and suggestions provided are not a substitute for guidance from licensed mental health professionals, medical providers, or counselors.


If you or someone you know is experiencing significant emotional distress, here are some resources:

Crisis Intervention: 717-394-2631 available 24/7

National Suicide Prevention Hotline: 988 available 24/7

Lancaster County Warm Line: 717-945-9976 2pm-10pm


To learn more about Ruby Nolt, visit her website: https://www.rnoltconsulting.com/


Enhanced Title Insurance: More Protection for Your Home
By Wayne Angelo, Cross Country Mortgage and Bill Stull, Abstract Associates of Lancaster August 17, 2026
When purchasing a home, buyers often have the option of choosing either a standard or enhanced owner’s title insurance policy. Both policies protect the buyer’s ownership interest in the property, but the enhanced policy provides several valuable protections that go beyond the coverage included in a standard policy. The enhanced policy is available for purchases of one-to-four-family residences and condominiums when the property is being purchased in an individual’s name, rather than in the name of an LLC, corporation, partnership, or other entity. A standard owner’s policy protects against common title problems, including defects, liens or claims against the property, an unmarketable title, and a lack of legal access. The enhanced policy includes those protections while adding coverage for issues that are especially relevant to homeowners, including certain building permit and zoning violations, improper subdivisions, vehicular access problems, and structures that encroach onto the property after the buyer takes ownership. One of the most important added benefits is post-policy forgery protection. A standard policy generally protects against title issues that existed before the buyer purchased the property. The enhanced policy also provides protection if someone later forges the homeowner’s signature or creates a fraudulent deed that clouds the homeowner’s title. With real estate and identity fraud becoming an increasing concern, this protection alone can provide homeowners with valuable peace of mind. The enhanced policy also includes an automatic increase in coverage. The policy amount increases by 10% each year during the first five years of ownership, up to 150% of the original policy amount. This helps the coverage keep pace as the value of the property increases. In Pennsylvania, the enhanced policy is available for a one-time premium that is only 10% higher than the standard owner’s policy premium, with no annual renewal cost. At Abstract Associates, we believe buyers should understand the difference between the two policies before making their decision. For a relatively small additional cost at settlement, the enhanced policy provides broader protection that can continue to benefit the homeowner long after closing.
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Reverse Mortgage
By Wayne Angelo & Megan Brogna – CrossCountry Mortgage July 31, 2026
Most people think of a reverse mortgage as a way for homeowners to access the equity they've built in their current home. While that's certainly true, many Realtors are surprised to learn that a reverse mortgage can also be used to purchase a new home. What Is a Reverse Mortgage? A reverse mortgage, also known as a Home Equity Conversion Mortgage (HECM), is an FHA-insured loan available to homeowners age 62 and older. Instead of making monthly mortgage payments, eligible borrowers can use a portion of their home's equity to eliminate an existing mortgage, establish a line of credit, receive monthly payments, or simply improve cash flow. Borrowers remain responsible for paying property taxes, homeowners' insurance, maintaining the home, and continuing to occupy it as their primary residence. What Is a Reverse Mortgage for Purchase? A HECM for Purchase allows qualified buyers age 55 and older to purchase a new primary residence using a substantial down payment and a reverse mortgage—without the obligation of monthly principal and interest payments.* This program can be an excellent solution for: Buyers looking to downsize. Retirees relocating closer to family. Homeowners moving into a 55+ community. Clients seeking a home that better fits their retirement lifestyle. Buyers who want to preserve more of their retirement savings or investment assets. Instead of paying all cash for a home, buyers can finance part of the purchase through a reverse mortgage, allowing them to keep more of their liquid assets available for future needs. Why Realtors Should Know About This Program A Reverse Mortgage for Purchase can help clients: Increase purchasing power. Improve monthly cash flow. Preserve retirement savings. Purchase a home that better meets their long-term needs. Age in place more comfortably. For many older buyers, this financing option can make the difference between settling for a home and purchasing the one that truly fits their retirement goals. If you work with clients who are 55 or older, a Reverse Mortgage for Purchase may be worth exploring before they write an offer. *Borrowers must continue to pay property taxes, homeowners insurance, maintain the property, and occupy the home as their primary residence. The amount available depends on factors including the youngest borrower's age, current interest rates, and the home's value. Facts, opinions and information expressed in the Blog represent the work of the author and are believed to be accurate but are not guaranteed. The Lancaster County Association of Realtors is not liable for any potential errors, omissions or outdated information. If errors are noted within a post, please notify the Association. Posts represent the author's opinion and are not necessarily the opinion of the Association.
Mid Year Check In Realtor Calendar
By Missy Boots – Realty One Group Unlimited July 17, 2026
Whew! If you're anything like me, you blinked and somehow July is already halfway over. That also means we've officially crossed the halfway mark of the year. How’s business treating you? Maybe your year is right on track; if so - congrats! If you're holding your breath waiting for your transaction numbers to suddenly align with the goals you set in January, it's time to stop waiting and start resetting. It’s never too late! The beauty of this business is that January doesn't have a monopoly on fresh starts. In real estate, momentum can change surprisingly quickly. One listing can become three referrals. One conversation can lead to a transaction. The second half of the year has the potential to look completely different from the first. The key isn't wishing for a better year. It's changing what you do next. One of the most important mindset shifts an agent can make is to treat their business like a business. Business owners don't simply hope for better results. They create a plan, track meaningful metrics, review what's working, and adjust when needed. Your real estate business deserves the same level of intention. When you start thinking like the CEO of your business instead of just the salesperson in it, your daily decisions begin to change, and so do your results. So where to start? Ask yourself: How many meaningful conversations am I having each week? How consistently am I following up with past clients and leads? Am I asking for referrals? Am I visible in my community and online? Am I blocking time every day for lead generation? Many of us focus on results we can't control: closings, commission checks, or contracts signed. Instead, focus on the activities that create those results. Results lag behind consistent action. If you improve the actions, the numbers usually follow. Choose one or two meaningful goals for the next 3 months. Then identify the handful of weekly actions that move those goals forward. For example: Reach out to 5 people a day. Schedule three coffee meetings with your sphere. Host one open house every weekend. Post valuable content three times a week. Write five handwritten notes every Friday. Consistency beats intensity every time. Your calendar tells the truth. Look back at the last two weeks. How much time was spent on activities that directly grow your business? Admin work is necessary, but revenue producing activities deserve protected time on your calendar. While time blocking is considered a “bad” word to many, being in control of your time allows you to control your business. Schedule lead generation before you schedule anything else. Pick an accountability partner and share your weekly action plan with each other. Commit to checking in regularly and holding one another accountable for following through. Celebrate the wins along the way. When you accomplish the actions you set out to complete, reward yourself, even if it’s just an iced coffee with your accountability partner. Above all, don’t let a negative mind set deter you from forward momentum. Start small. Do the work. Finish big. Here’s to a successful 2026! "Success looks a lot like failure up until the moment you break through the finish line." – Dan Waldschmid “Today is always the most productive day of your week." – Mark Hunter
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By Ernest Homer, Homer Inspection Services June 19, 2026
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