In this episode of Prepare to Shift, host Tarik Moody of HYFIN explores the hard truths behind business growth with Terrand Smith, founder and CEO of 37 Oaks. Known as the “queen of commerce,” Terrand brings deep insight from her billion-dollar corporate background and her mission to revitalize local economies through entrepreneurship.Together, they unpack why growth and comfort can’t coexist, how fear and failure shape success, and why discomfort is often the catalyst for innovation. Terrand offers practical strategies for embracing the uncomfortable—managing finances, building teams, or facing burnout—and highlights the psychological resilience needed to lead with purpose. This is an honest, grounded conversation for anyone navigating the unpredictable terrain of entrepreneurship.

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