Latest / The Healthy Diabetic / #383: Why the System Makes It Hard to Be Healthy - And What to Do About It Anyway

Transcript

#383: Why the System Makes It Hard to Be Healthy - And What to Do About It Anyway · The Healthy Diabetic

• 0:14
  SPEAKER_03: Welcome back.
• 0:16
  SPEAKER_03: This is episode number three hundred and eighty-three of the Healthy Diabetic Podcast.
• 0:21
  SPEAKER_03: I'm your host, Coach Ken Kenniss.
• 0:23
  SPEAKER_03: If you don't know much about my story, I was diagnosed with type 1 diabetes at the age of 25 in 2007, and I'm the founder of Simplifying Life with Diabetes, a diabetes health coaching company that bridges the gap between your medical team and the daily complexities that you face every single day living with this condition between your doctor's appointments.
• 0:44
  SPEAKER_03: I truly believe that every single one of us living or caring with someone for type 1 diabetes only has one job, and that's to figure out what's going to work for you.
• 0:53
  SPEAKER_03: If you're looking for new perspectives and new ideas on how to live with diabetes, you've come to the right place.
• 0:59
  SPEAKER_03: As always, before we get started, please remember that nothing that you hear in this podcast should be considered medical advice or otherwise.
• 1:05
  SPEAKER_03: Please always consult your medical team before making any changes to your diabetes management.
• 1:12
  SPEAKER_03: All right.
• 1:17
  SPEAKER_03: Graham, what's up, man?
• 1:18
  SPEAKER_03: How's it going?
• 1:18
  SPEAKER_03: How's everything going with you?
• 1:20
  SPEAKER_00: How's everything going with you, man?
• 1:22
  SPEAKER_00: Didn't you go canoeing or canoeing and camping or kayaking or something like that?
• 1:26
  SPEAKER_03: I mean, we went camping.
• 1:27
  SPEAKER_03: I didn't go canoeing.
• 1:29
  SPEAKER_00: I thought you went canoeing when you were there.
• 1:31
  SPEAKER_00: You just went camping?
• 1:32
  SPEAKER_03: We were just camping.
• 1:33
  SPEAKER_03: Yeah.
• 1:36
  SPEAKER_00: Have we talked about this already, like on the show?
• 1:40
  SPEAKER_03: We no, because we didn't record last week.
• 1:43
  SPEAKER_00: I don't know if you like spoke.
• 1:44
  SPEAKER_00: I don't know.
• 1:45
  SPEAKER_03: Yeah, we didn't re we didn't record last week.
• 1:48
  SPEAKER_03: So no, we haven't talked about any of it.
• 1:50
  SPEAKER_03: Yeah, camping was great.
• 1:51
  SPEAKER_03: I was pissed the buckeyes lost to Texas, but is what it is.
• 1:55
  SPEAKER_03: Can't do nothing about it.
• 1:57
  SPEAKER_00: Oh, that happened when you were that happened when you were.
• 2:09
  SPEAKER_03: So it was pretty cool whenever it was over.
• 2:11
  SPEAKER_03: But yeah, it was it was a good time.
• 2:12
  SPEAKER_03: It's always a good time going camping with my mother-in-law, my father-in-law.
• 2:16
  SPEAKER_03: They have a really nice pop-up camper.
• 2:18
  SPEAKER_03: We just tent right next to them, and it's just it's a it's a blast.
• 2:23
  SPEAKER_03: It's a great time.
• 2:23
  SPEAKER_03: They have a really good beach at the mommy uh state park.
• 2:27
  SPEAKER_03: So that's a they have like a really nice beach there.
• 2:30
  SPEAKER_03: So the girls really like it there.
• 2:32
  SPEAKER_03: So yeah, it was a good it was a good time, man.
• 2:34
  SPEAKER_03: And then, well, it's funny because we went camping, and then literally two days before two days, not even barely 24 hours after we got back, the girls got in the car and drove to North Carolina to meet other friends of ours that who was who were on vacation for the whole entire week.
• 2:50
  SPEAKER_03: They just literally got back yesterday at like 8 30.
• 2:54
  SPEAKER_03: So it was like a 10-hour the first ten hour, the first like long drive, like long drives, a 10-hour drive to get there.
• 3:00
  SPEAKER_03: So were they like more camping and outdoorsy stuff where they were they No, it was they it wasn't it was outdoorsy stuff, so it's like literally right on the beach.
• 3:11
  SPEAKER_03: I forget what beach they went to, but good friends of ours rented an Airbnb like on the beach.
• 3:16
  SPEAKER_03: So like there's a pool in the backyard, and so they were swimming, they were at the beach, they were fishing, they were hiking, they were doing it all.
• 3:25
  SPEAKER_03: Like so they were, you know, camping for four or five days, and then they left me because I couldn't go.
• 3:32
  SPEAKER_03: They left me and drove ten hours to be on the beach for about six days.
• 3:38
  SPEAKER_00: It's been it's been long enough since we talked, but even here in Florida, I think like the weather broke, man.
• 3:45
  SPEAKER_00: It's the only one makes sense today is you know what today is, right?
• 3:50
  SPEAKER_00: Solstice, bro.
• 3:52
  SPEAKER_01: Yeah.
• 3:53
  SPEAKER_00: Isn't it?
• 3:53
  SPEAKER_00: Isn't it first day?
• 3:55
  SPEAKER_03: It's the first I don't know.
• 3:57
  SPEAKER_03: It's today might yeah, it today's the first day.
• 3:59
  SPEAKER_00: September 21st or October 21st.
• 4:02
  SPEAKER_03: No, it's September 21st.
• 4:04
  SPEAKER_00: But even here, no, even here in like because you're you're not here, but even here in Central Florida, I mean it would be hot as shit to anybody, but once you're here long enough, like you could feel it like it broke.
• 4:13
  SPEAKER_00: So Well, what's the what's the temperature today?
• 4:17
  SPEAKER_00: What's the high today?
• 4:18
  SPEAKER_00: Like it's it's probably 90 something, but okay.
• 4:21
  SPEAKER_00: How is the temperature breaking then?
• 4:23
  SPEAKER_00: No, no, we broke in the sense of like you can just feel like it's it's more like uh, you know, it's the change of the seasons, man.
• 4:30
  SPEAKER_00: Change of the seasons.
• 4:31
  SPEAKER_03: Okay, so yeah.
• 4:32
  SPEAKER_00: What happens here?
• 4:33
  SPEAKER_00: You see it in the dude.
• 4:34
  SPEAKER_00: I've gotten very look at this.
• 4:36
  SPEAKER_00: I've gotten very familiar with plants.
• 4:38
  SPEAKER_00: I'm about to pickle some homemade jalapenos.
• 4:41
  SPEAKER_03: That's great, man.
• 4:43
  SPEAKER_03: If you're talking about the weather though, but you're talking about the weather breaking.
• 4:46
  SPEAKER_03: I'll tell you what's breaking.
• 4:48
  SPEAKER_03: Th four days or three days ago, it was 85 degrees.
• 4:51
  SPEAKER_03: Today the high is 65 and rainy.
• 4:53
  SPEAKER_00: Yeah, that's what I mean.
• 4:54
  SPEAKER_03: In Columbus.
• 4:55
  SPEAKER_03: Like so, but you're talking about it breaking, it still being 90 degrees and freaking.
• 5:00
  SPEAKER_00: It'll be intermix.
• 5:01
  SPEAKER_03: It'll be intermixed, but it's just it'll be intermixed here, but it's just that's to me, that's that's the weather breaking, like going from 85 degrees the last and three days ago, but it was still rainy.
• 5:13
  SPEAKER_03: It was still like all week this week was cloudy and and rainy, but it was still 85 degrees.
• 5:18
  SPEAKER_03: And today the high is 65.
• 5:20
  SPEAKER_03: So that's the weather breaking.
• 5:22
  SPEAKER_00: It could be psychological, because I saw my first spirit Halloween open today, too.
• 5:27
  SPEAKER_00: So yeah, you know.
• 5:29
  SPEAKER_03: Yeah, and I have let's get into it.
• 5:31
  SPEAKER_03: Let's get into it, man.
• 5:31
  SPEAKER_03: I'm excited to talk to you.
• 5:32
  SPEAKER_03: I haven't talked to you in like over a week now.
• 5:34
  SPEAKER_03: So let's go.
• 5:36
  SPEAKER_00: I think you're saying a week, but I think it's been two weeks, man.
• 5:38
  SPEAKER_00: I think it's been a long time.
• 5:40
  SPEAKER_03: Has it been?
• 5:41
  SPEAKER_03: No.
• 5:41
  SPEAKER_03: No.
• 5:42
  SPEAKER_03: I think we recorded Yeah, because we recorded once the week I left for camping.
• 5:48
  SPEAKER_00: So Yeah, there's been a lot, there's been a lot going on on a lot happening, I think, in everybody's lives and everywhere.
• 5:54
  SPEAKER_01: Yeah.
• 5:57
  SPEAKER_02: What about you?
• 5:58
  SPEAKER_02: What about that?
• 5:58
  SPEAKER_02: What's what's been going on?
• 6:01
  SPEAKER_03: I mean, I feel like I'm in a I'm in a good groove now.
• 6:04
  SPEAKER_03: I've got this, I've got my medications and all my diabetes stuff I feel like taken care of or figured out for the rest of the year since I don't have insurance now.
• 6:14
  SPEAKER_03: So I'm happy about that.
• 6:16
  SPEAKER_03: I have to make one more call, but it's not really anything major.
• 6:20
  SPEAKER_03: So that's exc that for me, that's exciting because I was like nervous how much out-of-pocket money I was gonna have to pay throughout the rest of the year.
• 6:28
  SPEAKER_02: Yeah.
• 6:29
  SPEAKER_03: But I think I'm in a good space now, only having to pay, still only having to pay forty-five dollars for 90 days of Dexcom, still only having to pay, I think I paid$160 for 90 days of catch me up on what you're saying.
• 6:45
  SPEAKER_00: Do you purposely not have insurance right now?
• 6:47
  SPEAKER_03: No, they dropped they fucking dropped me, assholes.
• 6:50
  SPEAKER_03: Really?
• 6:51
  SPEAKER_03: Yeah.
• 6:51
  SPEAKER_03: They said I didn't pay in April, which I didn't, I forgot to pay in April, but I paid in May, June, and July, which it was paying, it was back paying a month, but they were saying that because I didn't pay, because I wasn't up to date, fully up, fully paid in full in July, they dropped me.
• 7:12
  SPEAKER_03: But then I got a letter saying that they that I was canceled in April.
• 7:17
  SPEAKER_03: And I was like, I called them and I was like, if I was canceled in April, why one, why didn't I get a call?
• 7:23
  SPEAKER_03: Two, why did you guys keep letting me pay after April was paid already paid?
• 7:28
  SPEAKER_03: Right?
• 7:29
  SPEAKER_03: So I I paid in May, which means I was crazy paying which which means that April payment was paid.
• 7:34
  SPEAKER_03: Then I paid in June, which means May payment was was paid, and then I paid in July, which means the the June payment was paid.
• 7:43
  SPEAKER_03: So they're saying I wasn't paid in July.
• 7:45
  SPEAKER_03: Because that because I paid at the end of the month, which I typically pay in the in the month.
• 7:49
  SPEAKER_03: Were you using the insurance?
• 7:51
  SPEAKER_03: So basically they were saying they they basically were saying, which I understand what they're saying, but still, like why would you just not allow me to pay in full then?
• 7:58
  SPEAKER_03: Because I didn't know.
• 7:59
  SPEAKER_03: So they're saying that I hadn't they hadn't received a payment in 30 days, which is why they dropped me.
• 8:05
  SPEAKER_03: But then they're saying they dropped me in in uh April, which I can go back and see because all of the transactions or all the things that they were supposed to cover in May and June, they weren't covering.
• 8:20
  SPEAKER_03: But no one called, no, I received zero messages about it.
• 8:24
  SPEAKER_03: I didn't receive an email about it, I didn't receive a mail letter about it.
• 8:29
  SPEAKER_00: Were you doing things that was engaging the insurance like you were using it along the way during those months?
• 8:35
  SPEAKER_00: Yeah.
• 8:36
  SPEAKER_03: Yeah, because I was getting my supplies, but it was still going through in the pharmacy.
• 8:40
  SPEAKER_03: But when you buy something at the pharmacy and they run it through the insurance, it doesn't mean it automatically gets covered by the insurance.
• 8:47
  SPEAKER_03: Which is, I mean, I I already knew that, but so what was happening is in my express scripts, you could see when I go into my express scripts account, I can see like all these things getting denied in May, June, and July.
• 9:01
  SPEAKER_03: And I'm I'm like, what the hell?
• 9:04
  SPEAKER_03: So but whatever.
• 9:06
  SPEAKER_03: Well, I haven't gotten a bill for anything.
• 9:09
  SPEAKER_00: A, that's why laws exist where you can't deny someone for a pre-existing condition, but give them any, but number two, give them an give them any reason to kick you off and they'll kick you off in a heartbeat, right?
• 9:20
  SPEAKER_03: Well, but also I have also the here's here's the here's the thing that I want to say about this, right?
• 9:28
  SPEAKER_00: Wait, wait, by the way, is it person is this personal or your whole is this you pay just for yourself?
• 9:33
  SPEAKER_03: Yeah, because the the we we don't yes, it's just for me.
• 9:37
  SPEAKER_03: Got it.
• 9:37
  SPEAKER_03: Okay.
• 9:38
  SPEAKER_03: Yeah, this is just for me.
• 9:39
  SPEAKER_03: Got it.
• 9:40
  SPEAKER_03: So I want to just say this because this is an important piece to the story.
• 9:46
  SPEAKER_03: I I'm gonna say one first, I'm gonna say this.
• 9:49
  SPEAKER_03: I use medical mutual.
• 9:51
  SPEAKER_03: I actually really, really like medical mutual.
• 9:54
  SPEAKER_03: I really like medical mutual.
• 9:56
  SPEAKER_03: I've never had an issue outside of this with getting prescriptions, getting things covered.
• 10:02
  SPEAKER_03: Never had an issue.
• 10:03
  SPEAKER_03: So I want to say that I do like medical mutual and the insurance company I was using.
• 10:09
  SPEAKER_03: The other thing I would say is I would imagine that they have this policy in place and I got dropped because I'm my insurance is through the marketplace, which also means that I get a pretty substantial subsidized amount of money every year to pay for my medical expenses to pay for that insurance.
• 10:34
  SPEAKER_03: Right.
• 10:34
  SPEAKER_03: So I think I was paying almost$300, basically$350 a month for the coverage, which was great coverage for a diabetic.
• 10:42
  SPEAKER_03: It was great coverage.
• 10:43
  SPEAKER_03: I think my deductible was$1,000, maybe$1,500 for the year, which is amazing.
• 10:49
  SPEAKER_03: But that if I were to get that plan through Medical Mutual or without or going through the marketplace and just getting that plan without subsidies, without governmental help with paying for it, it would be almost sixteen hundred dollars a month.
• 11:05
  SPEAKER_03: So that that that's that's the other thing that I would say about this is they probably were like, okay, well, we're losing money on this dude.
• 11:14
  SPEAKER_03: So well, no, they're not losing money because the government's paying the rest of it, but no, I don't know.
• 11:19
  SPEAKER_03: I mean, yeah, I don't know, man.
• 11:20
  SPEAKER_03: It's just it's a it was a wee how it all rolled out, it was just it was a messed up situation.
• 11:25
  SPEAKER_03: When I called them, I think it was maybe I'd been over five or six days over like it being past the third their 30-day mark.
• 11:35
  SPEAKER_03: And I was I I even said to the person, and she was very, very nice.
• 11:38
  SPEAKER_03: I mean, medical mutuals, customer service, they were very nice, all of the people that I talked to.
• 11:44
  SPEAKER_03: But I kept saying to the lady, I was like, I didn't if I would have known this, like I would have paid it in full two months ago.
• 11:52
  SPEAKER_03: I just thought that I was on pace, like I always am.
• 11:55
  SPEAKER_03: I just pay at the beginning of every single month when I get paid.
• 11:58
  SPEAKER_03: And she was like, I understand what you're saying, but there's not because it's through the marketplace, there's nothing I can do.
• 12:02
  SPEAKER_03: I was like, I I don't understand why I can't you can't just press a button and let me or or send me to billing and let me just pay the$700 to make it up like because it was gonna be like$700.
• 12:13
  SPEAKER_03: I had to pay for two months basically.
• 12:15
  SPEAKER_03: It was gonna be close to$700 of paying to get it to get it paid in full, to get it up to date.
• 12:21
  SPEAKER_03: I was like, I I I'll just give you a freaking just pay for right now.
• 12:25
  SPEAKER_03: What's the big deal?
• 12:27
  SPEAKER_03: And no, they wouldn't do it.
• 12:28
  SPEAKER_03: And then I and then I had to go through the marketplace, and the marketplace wouldn't do anything.
• 12:32
  SPEAKER_03: They're like, nope, sorry, it's you we can't do anything.
• 12:35
  SPEAKER_03: I can't.
• 12:36
  SPEAKER_03: She's like, you know, she was very nice too, but she was like, I I physically can't do anything.
• 12:42
  SPEAKER_02: Yeah.
• 12:42
  SPEAKER_03: Because you're because the system is saying that you got denied because of you didn't pay.
• 12:48
  SPEAKER_03: I'm like, this is some BS, man.
• 12:50
  SPEAKER_03: It's not because I didn't pay.
• 12:51
  SPEAKER_03: Like, I was paying for it.
• 12:53
  SPEAKER_02: Because you're expensive.
• 12:55
  SPEAKER_03: God, it's so it just the whole system is so stupid.
• 12:58
  SPEAKER_03: Anyway, that was a big reason.
• 13:00
  SPEAKER_03: You're expensive, bro.
• 13:01
  SPEAKER_03: I'm not exp but I'm not really that expensive.
• 13:04
  SPEAKER_03: I don't use that much, I don't use that much insulin, I don't use that much stuff.
• 13:08
  SPEAKER_00: You're a liability for a much bigger expense if you like ended up in the hospital or something like that.
• 13:13
  SPEAKER_00: Well, that's it.
• 13:14
  SPEAKER_03: That's you could say it about anybody.
• 13:17
  SPEAKER_00: It has nothing to do with diabetes.
• 13:19
  SPEAKER_00: You know, you know, the older I get, this is a bad thing to say, but it is what it is.
• 13:24
  SPEAKER_00: Like, I don't really check off the body.
• 13:26
  SPEAKER_00: Like, if I'm just dealing something, I don't ever tell them I'm type on diabetic.
• 13:29
  SPEAKER_00: I think I've even said that here, like it's not even worth it.
• 13:32
  SPEAKER_00: It's not even worth it at this point.
• 13:33
  SPEAKER_00: Like, they then you know, so I mean I I I guess I could see your point.
• 13:37
  SPEAKER_03: It's like, you know, and that's if they don't need that information, then they don't need that I'm not gonna say anything, but most of the time they're gonna need that information.
• 13:45
  SPEAKER_03: And I'm not trying, I mean it's like it think I I think I think about that, Graham, in the terms of like, it's bullshit because we shouldn't have to just hide something just to get something that we need, right?
• 13:59
  SPEAKER_03: I think that's the biggest thing.
• 14:01
  SPEAKER_03: Like that you you shouldn't have to hide like that you have a chronic condition just to get something.
• 14:07
  SPEAKER_03: That's so stupid.
• 14:08
  SPEAKER_03: Just like when I was like applying for life insurance, I was like, oh shit, I don't want to go through this.
• 14:14
  SPEAKER_03: And I got through almost a whole entire application, like over the phone, like the initial application for life insurance, and then they were like, Do you have any chronic illnesses?
• 14:24
  SPEAKER_03: I'm like, Well, I'm a type one diabetic.
• 14:26
  SPEAKER_03: And they're like, Ooh.
• 14:28
  SPEAKER_03: Of course.
• 14:29
  SPEAKER_03: Okay.
• 14:29
  SPEAKER_03: And and then they went down a whole nother rabbit hole.
• 14:31
  SPEAKER_03: I'm like, oh my god, this is silly.
• 14:34
  SPEAKER_01: Yeah.
• 14:34
  SPEAKER_03: So you know, it's funny that's crazy.
• 14:37
  SPEAKER_00: It's funny that you bring this up because I wrote down a word that I took a deep rabbit hole dive into.
• 14:44
  SPEAKER_00: And it's do you know the definition of altruism?
• 14:47
  SPEAKER_00: To be altruistic.
• 14:48
  SPEAKER_00: To be altruistic.
• 14:50
  SPEAKER_03: Yes, I believe so.
• 14:51
  SPEAKER_00: Okay.
• 14:52
  SPEAKER_00: Let me give it this is this is gonna be fun.
• 14:54
  SPEAKER_00: Let me read to you this is to altruism is the unselfish concern for the well-being of others characterized by acting to help someone else, even when it comes at a personal cost or risk to oneself.
• 15:10
  SPEAKER_00: Okay.
• 15:11
  SPEAKER_00: So I was I found that word because I went back to the invention of insulin.
• 15:17
  SPEAKER_00: And they used a very specific term that I had never thought about, but it was interesting.
• 15:26
  SPEAKER_00: It was patent patent, like a patent on a product, patent altruism.
• 15:33
  SPEAKER_00: And they described the experience of the discovery of insulin as patent altruism, as those guys literally said, We are this is to be cost at nothing.
• 15:45
  SPEAKER_00: This is to give back, this is to fix it for everybody else.
• 15:49
  SPEAKER_00: The problem was is they had personal experience with it.
• 15:52
  SPEAKER_00: So next thing I jumped into was so they had okay, go ahead, go ahead.
• 15:59
  SPEAKER_00: Let's follow my train of thought.
• 16:00
  SPEAKER_00: Just because they had personal experience with the disease and things like that, right?
• 16:04
  SPEAKER_00: So the next thing I do is I wrote altruism and patience.
• 16:08
  SPEAKER_00: I just left it kind of open.
• 16:10
  SPEAKER_00: Altruism in patience refers to selfless acts and choices made by individuals facing illness to benefit their families, medical staff, other patients, or the broader research community, sometimes at a cost to their own comfort.
• 16:25
  SPEAKER_00: Okay.
• 16:26
  SPEAKER_00: So that which is just amazing to hear, but I think we all in the community can relate to that.
• 16:32
  SPEAKER_00: We understand.
• 16:33
  SPEAKER_00: When I go to the galas, the galas, whatever you want to call it, that's everybody there is impacted by diabetes in some way, and it's amazing.
• 16:41
  SPEAKER_00: In that if you read stories, and one of them was it was a it was a it was a research study for uh like like what they're looking for to cure diabetes.
• 16:56
  SPEAKER_00: I'm having a brain fart, I'm drawing a brain fart.
• 16:58
  SPEAKER_00: What are we the the cells, the cell stem cells?
• 17:01
  SPEAKER_00: Yeah, yeah, yeah.
• 17:02
  SPEAKER_00: So it was a research study for stem cells, like and this was a breakthrough study, and it it it they they were they were able to solve a lot of the things that happened with it.
• 17:10
  SPEAKER_00: They went back, 96% of the volunteers had directly been impacted by something that could have well of course, but that's affect 96% of the people.
• 17:22
  SPEAKER_00: So essentially that study, that breakthrough study, would have not existed if it wasn't for altruism and then what and I think I think we don't realize it as type ones.
• 17:33
  SPEAKER_00: I do I do think I would I would blindly do something to help some I would blindly do something if it meant knowing that that person's gonna walk away feeling empowered and like, oh shit, if I can do it like him, that's gonna like change my life, you know.
• 17:45
  SPEAKER_00: And we we don't sh I bring that up because you should study, you should hook up you know, all the gear to you and put you on the phone with an insurance company, and then hook up all the gear and put a non-patient on the phone with an insurance company and just follow their heart rate and this and that.
• 18:06
  SPEAKER_00: Like I think your entire experience is so different because you've been through it a thousand times, you know what you're up against, you know it means I gotta start back at square one, you know it means it's gonna impact my finances, it could impact my health, you know.
• 18:21
  SPEAKER_00: And I just I I just thought, you know, altruism, like, man, that is that is like the highest form of flattery to me in in our community, I guess, is that's what I should be working for, you know.
• 18:32
  SPEAKER_00: And that's just like a like I said, when I hear you say that.
• 18:36
  SPEAKER_03: And you hear me say what?
• 18:38
  SPEAKER_00: When just when I hear you talk about this and tell this story, is I know I've been there before.
• 18:41
  SPEAKER_00: I know how much it sucks for you.
• 18:42
  SPEAKER_03: Well, but everyone's been there before, not just diabetics.
• 18:45
  SPEAKER_03: But that's a that that that that's the thing right there.
• 18:47
  SPEAKER_03: It's like everybody's been through this.
• 18:50
  SPEAKER_03: It's a lot of people call the insurance.
• 18:52
  SPEAKER_03: Hold on, hold on.
• 18:52
  SPEAKER_03: If you have to call your insurance company about something, there's a problem.
• 18:56
  SPEAKER_03: You don't just literally pick up the phone and say, hey, let me call my insurance company and say hi to them.
• 19:02
  SPEAKER_03: You got something going on.
• 19:04
  SPEAKER_03: And they're trying to save money, they have their own policies and procedures.
• 19:07
  SPEAKER_03: These amazing people that are on the phone with you, that are trying to help you and deal with the situation.
• 19:14
  SPEAKER_03: Like they have their own bosses, they have their own people they're dealing with, or that they have to deal with, they have to deal with it within their policies and stuff like that, and how how that company does things, and like so it's not any different for anybody else.
• 19:31
  SPEAKER_03: It just so happens we're trying to get multiple things taken care of.
• 19:36
  SPEAKER_03: We have multiple medications, we have multiple technology, multiple things, technology, whatever we're we're trying to get, you know, covered and deal dealt with.
• 19:46
  SPEAKER_03: But it doesn't it it's not any different than the the person that's maybe 60, 70 years old that has five or six different medications that are that ha that are specifically not over the counter, and like so it's not any different.
• 20:00
  SPEAKER_03: But like my point is is I understand what you're saying about altruism.
• 20:04
  SPEAKER_03: I understand what you're saying about that.
• 20:06
  SPEAKER_00: You can look you can look at the numbers.
• 20:07
  SPEAKER_00: It's it it's it's distressing to me.
• 20:09
  SPEAKER_00: Kids get dropped from their parents' insurance.
• 20:11
  SPEAKER_00: The common person doesn't pick up and get insurance.
• 20:14
  SPEAKER_03: Yeah, of course.
• 20:15
  SPEAKER_03: Unless they're jobs, it's a whole different conversation of a problem.
• 20:18
  SPEAKER_03: Huh?
• 20:18
  SPEAKER_03: It's that's a whole different conversation of a problem.
• 20:21
  SPEAKER_03: No, right?
• 20:21
  SPEAKER_03: That was the point.
• 20:22
  SPEAKER_03: Hold on.
• 20:22
  SPEAKER_03: This is a really this is a really yeah, but this is a really good point because I'm gonna bring this up and then I want you to finish your thought.
• 20:29
  SPEAKER_03: Okay.
• 20:30
  SPEAKER_00: I was defending my thought.
• 20:33
  SPEAKER_00: I was defending my thought that you said.
• 20:35
  SPEAKER_03: So I'm gonna I'm gonna I'm agreeing with you because I'm gonna I'm gonna make this next point.
• 20:39
  SPEAKER_03: So on Saturday, I I did a presentation for OSU.
• 20:44
  SPEAKER_03: It was a new program that a psychologist is has created.
• 20:49
  SPEAKER_03: He works a lot with adults living with type one, so it's called, I believe, type type one education retreat.
• 20:55
  SPEAKER_03: It's like a the a type one T1D education retreat is what the program is now called.
• 21:01
  SPEAKER_03: And so they had a bunch of people come talk.
• 21:04
  SPEAKER_03: They did a survey with all their participants, all the people that are that they have contact information from.
• 21:12
  SPEAKER_03: And the number one thing that everyone wanted to learn about was exercise.
• 21:17
  SPEAKER_03: So I met this guy a couple years ago at a breakthrough T1D conference.
• 21:21
  SPEAKER_03: So he invited me to talk about exercise.
• 21:23
  SPEAKER_03: But then there was another doctor, Dr.
• 21:26
  SPEAKER_03: Aaron Moore, who I'm really excited that we're about to get on the podcast.
• 21:30
  SPEAKER_03: And her specialty, she's also a type one diabetic, her specialty is like looking at the data and what's going on in healthcare, what's going on in politics, what's going on on Capitol Hill, what's going on why things are the way they are, historical things.
• 21:48
  SPEAKER_03: She brought up Banting Invest and how they sold the patent for a dollar to the U to UK, what the like it's what, UK University or whatever, not like London plus.
• 22:00
  SPEAKER_03: London, UK, like whatever it is.
• 22:02
  SPEAKER_03: Their university over there.
• 22:05
  SPEAKER_03: They sold the patent or whatever to that to that university.
• 22:08
  SPEAKER_03: And then the pharmaceutical companies got a hold of the patent and everything took off and is now the way it is.
• 22:16
  SPEAKER_03: So she talked a lot about that stuff, which I'm really excited to get her on and talk about those things.
• 22:20
  SPEAKER_03: But it but it's interesting that you're bringing that up, bringing this up in terms of altruism and in terms of like dealing with insurance and the shit that we all have to go through.
• 22:30
  SPEAKER_03: And because I literally heard her talk about that this weekend.
• 22:35
  SPEAKER_03: So it's it's a really interesting thing because when we think about all of the crap that we have to go through, and then and then you have to throw how to manage and you gotta manage and do you know how to manage, like managing diabetes on top of all that shit.
• 22:52
  SPEAKER_03: It's no wonder that people are just like they drive themselves crazy, and like we get all this depression, denial, like we get all these things, all this anxiety, all this fear, because you're throwing a shitload of gasoline on top of a fire that you can't put the fire out.
• 23:07
  SPEAKER_03: That fire will never ever go out.
• 23:10
  SPEAKER_03: Ever.
• 23:11
  SPEAKER_03: So it's it it yeah, it's I'm going off on a tangent now, but it's an interesting thing.
• 23:16
  SPEAKER_00: Yeah, I've I've told you this before, and I don't talk about my job much, but straight out of college, my initial thought was, well, I gotta have insurance.
• 23:26
  SPEAKER_00: So I pretty much took the first job offer.
• 23:28
  SPEAKER_00: Yeah.
• 23:29
  SPEAKER_00: And that my entire my now entire career up till 40 has been that.
• 23:33
  SPEAKER_00: Yeah.
• 23:34
  SPEAKER_00: And it's literally all based on the fear of not being in because of that, like straight up, straight up.
• 23:40
  SPEAKER_00: When I was 21 at that age, like, dude, I gotta have insurance.
• 23:43
  SPEAKER_00: Like I had internships, one had a job offer.
• 23:46
  SPEAKER_00: I was like, dude, I'll take it because I'm insured, and I'll that's it.
• 23:49
  SPEAKER_00: You know, and it's so messed up.
• 23:51
  SPEAKER_03: It's so messed up.
• 23:52
  SPEAKER_00: It is, it's crazy.
• 23:53
  SPEAKER_00: Hold on.
• 23:54
  SPEAKER_00: But I bring up but it, but I do think that's like the beauty and thinking thinking of it's almost like working towards a higher power, you know.
• 24:03
  SPEAKER_00: It's like something to work towards.
• 24:05
  SPEAKER_00: Like if we're gonna be dealt this card, let's make it look pretty and let's do the best we can.
• 24:09
  SPEAKER_00: And you wouldn't we wouldn't be sitting here doing this today, what we weren't, what we you know, and like you're being tested, you're being tested for a reason.
• 24:17
  SPEAKER_00: Are you is the plan is then is the plan to do some research?
• 24:21
  SPEAKER_00: Are you gonna stay uninsured, like you could be the uninsured?
• 24:26
  SPEAKER_03: You could be the uninsured diabetic.
• 24:28
  SPEAKER_00: You could change your podcast name to the uninsured diabetic.
• 24:32
  SPEAKER_03: And and and I want to say, I want to say this because this is an important This is important, dude.
• 24:38
  SPEAKER_03: Think about I want I want you to think about everybody, I want you to think about how much money you spend on just your insurance premiums.
• 24:48
  SPEAKER_03: Just your insurance premiums.
• 24:50
  SPEAKER_03: And then, and that you're not gonna know this answer right away, because I I don't even think I know the answer off the top of my head.
• 24:55
  SPEAKER_03: I'd have to look at I'd have to look at all of my finances from last year.
• 25:00
  SPEAKER_03: So when you look at all of the money that you've put into paying for your insurance premiums, whether you whether your employer pays for it or whether you pay for it independently like me, you you're still paying for something for that that comes out of your paycheck if you're a W-2 employee, or if you're like me and you're an independent contractor and you pay for your own insurance.
• 25:22
  SPEAKER_03: You still pay a premium.
• 25:24
  SPEAKER_03: I'm curious how close to the amount that you pay for your medications and your and your supplies, how much of that you'll save plus, hold on, plus all of your premiums, how much money you are, how much money you are spending on your diabetes.
• 25:48
  SPEAKER_03: It's probably it's a lot.
• 25:50
  SPEAKER_03: Okay.
• 25:50
  SPEAKER_03: Now, think about if there was like an actual price point, right?
• 25:56
  SPEAKER_03: As an example, with insurance right now, I can get a 90-day supply of my Lemjev, my fast-acting insulin, for$35.
• 26:07
  SPEAKER_03: It's between$35 and I think it's between$35 and$60, depending on what the rates are.
• 26:13
  SPEAKER_03: Now that's that's through insurance, that's through discount codes.
• 26:18
  SPEAKER_03: But think about think about if that was just the number that you paid every single month.
• 26:25
  SPEAKER_03: $50, even if it was a hundred bucks, you got 90 days of insulin for for a hundred bucks.
• 26:33
  SPEAKER_03: The other the other interesting thing to this is we I I've I've looked at the research before.
• 26:40
  SPEAKER_03: I've looked at like the price points before, but it's been years.
• 26:44
  SPEAKER_03: It used to be where a humolog Novolog, just a vial of humolog Novolog, not the pens, the vials, it would cost these companies, you know, Eli Lilly and Nova Nordist, it would cost those companies$10 or less to make one vial.
• 27:02
  SPEAKER_03: But then when you go buy a vial, it's close to$350,$400, depending on where you live in the country.
• 27:09
  SPEAKER_03: That's fucking crazy.
• 27:11
  SPEAKER_03: Think about, now just think about this.
• 27:14
  SPEAKER_03: I believe in capitalism.
• 27:15
  SPEAKER_03: I'll pay a little bit more, like whatever.
• 27:18
  SPEAKER_03: Like, think about if you if you paid$50 to$100 for your insulin, maybe$100 for 90-day supply.
• 27:27
  SPEAKER_03: Okay.
• 27:28
  SPEAKER_03: Do you actually need insurance if that's the number that you're paying?
• 27:32
  SPEAKER_03: Because you're you're paying a premium for your for your for your for your diabetes, and then having to pay also when you go and pick it up.
• 27:43
  SPEAKER_03: So for me, the only thing that I would say someone actually needs insurance for, which is if you don't have a chronic condition, that's what this is what you have insurance for, is catastrophic injury.
• 27:52
  SPEAKER_03: I break my leg, I tear my ACL, being stupid, playing basketball.
• 27:57
  SPEAKER_03: Like I have a little bit of coverage to help with that if I go to have to go to the hospital and have surgery.
• 28:04
  SPEAKER_03: Right?
• 28:04
  SPEAKER_03: That's the only thing you really need insurance for.
• 28:07
  SPEAKER_03: And there's plans out there that are less than 50 bucks a month.
• 28:11
  SPEAKER_03: The deductibles are really high, but there's plans out there for less than 50 bucks a month.
• 28:17
  SPEAKER_03: Right?
• 28:17
  SPEAKER_03: So I don't need insurance.
• 28:20
  SPEAKER_03: Hell, my my my girls don't really need insurance.
• 28:23
  SPEAKER_03: We don't ever take them to family practitioner.
• 28:26
  SPEAKER_03: We don't ever take her to the doctor, take them to the doctor's office.
• 28:28
  SPEAKER_03: It's the same idea.
• 28:30
  SPEAKER_03: Do you how do you want to live your life?
• 28:31
  SPEAKER_03: Do you want to live your life where you're kind of nervous, like, oh shoot, if my kid falls and breaks her neck, now I gotta pay for that.
• 28:39
  SPEAKER_03: Hold on, hold on.
• 28:40
  SPEAKER_03: Okay.
• 28:41
  SPEAKER_03: So it's how you want to live your life.
• 28:43
  SPEAKER_03: So in my head, when I was doing the math, I was really scared.
• 28:48
  SPEAKER_03: I was nervous at first when I lost my insurance.
• 28:50
  SPEAKER_03: But when I started doing the math of how much I pay for everything, even with all the discount codes, I was like, dude, this is crazy.
• 28:59
  SPEAKER_03: All this money plus a$350 premium every single month, and that's like super discounted.
• 29:07
  SPEAKER_03: Like this is insane.
• 29:09
  SPEAKER_03: What's what's the so also, what's the incentive for me to get to$100,000,$150,000,$200,000 a year in terms of my income?
• 29:18
  SPEAKER_03: Now I'll get none of those discounts.
• 29:21
  SPEAKER_03: Now I have to pay full price for everything.
• 29:24
  SPEAKER_03: So it's it's it's it's a messed up situation.
• 29:27
  SPEAKER_03: It is a messed up the whole the whole situation's messed up.
• 29:32
  SPEAKER_00: Give me because we can we can we can do do this forever.
• 29:36
  SPEAKER_00: A you are definitely missing the big insurance picture that it's it could be catastrophic if something's costs you a lot of people.
• 29:43
  SPEAKER_03: But that again, that's your choice.
• 29:46
  SPEAKER_03: That's your choice.
• 29:47
  SPEAKER_00: No, that's what insurance is.
• 29:50
  SPEAKER_00: Insurance is for insurance.
• 29:53
  SPEAKER_03: Gotcha, gotcha.
• 29:54
  SPEAKER_03: Yes.
• 29:54
  SPEAKER_03: Yes.
• 29:55
  SPEAKER_00: My next major I have a question.
• 29:58
  SPEAKER_00: Sorry, I don't know where I got in the cut.
• 29:59
  SPEAKER_00: Damn, dog, drink some water.
• 30:00
  SPEAKER_00: Everybody, tell Grand to drink some water.
• 30:03
  SPEAKER_00: There he goes.
• 30:04
  SPEAKER_01: Weirdo.
• 30:05
  SPEAKER_00: So I just did this today.
• 30:08
  SPEAKER_00: And and this is for better or for worse, but I went to get my blood work ahead of my enddoze appointment.
• 30:14
  SPEAKER_00: Guess what my adjust my blood work and peeing in a cup cost out of pocket if you didn't have insurance.
• 30:19
  SPEAKER_03: Oh, at least a hundred and fifty bucks, two hundred bucks?
• 30:22
  SPEAKER_00: No, pen, without insurance.
• 30:25
  SPEAKER_03: Probably five, six hundred bucks.
• 30:28
  SPEAKER_00: Okay.
• 30:29
  SPEAKER_00: $2,300.
• 30:31
  SPEAKER_00: Shut up to pee in a fucking cup.
• 30:32
  SPEAKER_03: To get my blood drawing.
• 30:34
  SPEAKER_03: You had all the blood drawing.
• 30:36
  SPEAKER_00: To get all my blood draw and pee in a cup.
• 30:38
  SPEAKER_03: Yeah.
• 30:39
  SPEAKER_03: So it's freaking crazy.
• 30:40
  SPEAKER_00: Are you, when your doctor needs your when you're going to your endo, in some regard, you have no choice.
• 30:46
  SPEAKER_00: You are forced and you are you're gonna be forced to pay things at some point, bro.
• 30:52
  SPEAKER_00: Like you are type one diet.
• 30:56
  SPEAKER_00: How are you gonna provide blood work to them?
• 30:57
  SPEAKER_00: You're just not gonna give blood work?
• 31:00
  SPEAKER_03: No, I'll give blood work.
• 31:01
  SPEAKER_03: I'll get blood work done.
• 31:02
  SPEAKER_00: It's gonna cost you even it doesn't matter where you live.
• 31:05
  SPEAKER_03: So here here's here I I don't know what I don't know your hospital, I don't know your doctor, whatever.
• 31:12
  SPEAKER_03: I literally went to I went to Quest.
• 31:14
  SPEAKER_03: Stop, stop.
• 31:15
  SPEAKER_03: I went to Quest.
• 31:15
  SPEAKER_03: Okay, you went to Well, I don't go to Quest, I go through my own, I go through my endocrinologist.
• 31:20
  SPEAKER_03: So maybe that's the difference.
• 31:21
  SPEAKER_00: Even more, bro.
• 31:22
  SPEAKER_00: This is gonna cost, bro.
• 31:24
  SPEAKER_00: Dude.
• 31:27
  SPEAKER_00: Let me just finish for a second.
• 31:30
  SPEAKER_03: I got my blood work done after I lost my insurance.
• 31:33
  SPEAKER_03: It cost me$162.
• 31:36
  SPEAKER_03: No joke.
• 31:37
  SPEAKER_00: I literally just got the bill.
• 31:39
  SPEAKER_00: That's with insurance.
• 31:40
  SPEAKER_03: No, it wasn't.
• 31:41
  SPEAKER_03: I I did not, I don't have coverage after I lost my insurance.
• 31:44
  SPEAKER_03: This was recently.
• 31:46
  SPEAKER_03: That's not this was recently.
• 31:47
  SPEAKER_00: That's obviously with insurance then.
• 31:49
  SPEAKER_03: It's not with insurance.
• 31:50
  SPEAKER_03: It can't be with insurance.
• 31:52
  SPEAKER_00: Without question.
• 31:53
  SPEAKER_00: Then they pricked your then some guy on the side of the road pricked your blood and put like no.
• 31:58
  SPEAKER_03: No.
• 31:59
  SPEAKER_00: So but I I mean that's simply not right, but go ahead.
• 32:04
  SPEAKER_03: We'll we'll see.
• 32:05
  SPEAKER_03: We'll see.
• 32:06
  SPEAKER_00: Maybe I ran you through a search real quick, says to expect to spend around five five hundred per year as an uninsured diabetic.
• 32:18
  SPEAKER_00: So about 5K.
• 32:21
  SPEAKER_00: You're on the lower end, call it 5k, but you would you would save on an average of$1,400 if you're opting out of uh insurance plan.
• 32:30
  SPEAKER_00: Well, this is an employer-sponsored plan.
• 32:32
  SPEAKER_03: Yeah, so here's the caveat to this.
• 32:35
  SPEAKER_03: This is what you have to understand.
• 32:36
  SPEAKER_03: And this is the only reason why I'm right now, I'm oh I'm gonna I'm gonna get insurance again once 2027 hits or when the new open enrollment hits.
• 32:45
  SPEAKER_03: I'm just having to deal with this right now.
• 32:48
  SPEAKER_03: So here's the caveat to this.
• 32:50
  SPEAKER_00: Thank you.
• 32:51
  SPEAKER_00: You can make my own I'm like dad.
• 32:53
  SPEAKER_03: I was like turning like dad mode and no, so but listen to me.
• 32:56
  SPEAKER_03: Just listen to what I'm about to say.
• 32:58
  SPEAKER_03: Okay.
• 33:00
  SPEAKER_03: If I don't have to get a bunch of blood work done, or if I don't have to pay for a bunch of other stuff, if I let's just say I have the only thing I have to pay for my insurance or for my diabetes management is Lemjev, fast acting insulin, Tracebo's slow acting insulin, and DEXCOMS.
• 33:17
  SPEAKER_02: Yeah.
• 33:18
  SPEAKER_02: It was a perfect world.
• 33:19
  SPEAKER_03: No, no, no, no, stop.
• 33:20
  SPEAKER_03: Just let me finish.
• 33:21
  SPEAKER_03: Stop interrupting me, let me finish.
• 33:23
  SPEAKER_03: Okay?
• 33:24
  SPEAKER_03: Those are the three things that I'm getting.
• 33:26
  SPEAKER_03: Because I had to drop a Fresa because I can't get a Fresa.
• 33:29
  SPEAKER_03: There's the discount code, it doesn't work.
• 33:31
  SPEAKER_03: Right?
• 33:32
  SPEAKER_03: So I'm not using a Fresa.
• 33:33
  SPEAKER_03: I'm just using fast acting insulin Lemjev, slow or slow-acting insulin Traceba, and Dexcom G7s.
• 33:42
  SPEAKER_03: Okay.
• 33:43
  SPEAKER_03: I went through Dexcom.
• 33:45
  SPEAKER_03: I'm getting 90 days worth of G7s for$45.
• 33:50
  SPEAKER_03: I went through Eli Lilly, who I that's I believe that's yeah, Eli Lilly, who makes Lemjev.
• 33:57
  SPEAKER_03: I'm getting 90-day supply of Lemjev for$62.
• 34:03
  SPEAKER_03: Because you're exactly uninsured?
• 34:06
  SPEAKER_03: Because I'm through their patient assistance programs.
• 34:09
  SPEAKER_03: Got it.
• 34:10
  SPEAKER_03: Not because I'm uninsured, because I'm through their patient assistance program.
• 34:14
  SPEAKER_03: I signed up I signed up for those programs.
• 34:17
  SPEAKER_03: So they don't make you pay that much, if anything.
• 34:21
  SPEAKER_03: Traceba, I just got approved for Traceba, 90 days apply for free.
• 34:28
  SPEAKER_03: I'm not paying a dime for it.
• 34:30
  SPEAKER_03: So that'll carry you into opening enrollment?
• 34:33
  SPEAKER_03: This will carry me for as long as I want to do it.
• 34:35
  SPEAKER_03: I'm in Traceba for a whole entire year.
• 34:38
  SPEAKER_03: I'm not going to pay Traceba for a whole entire year.
• 34:41
  SPEAKER_02: Not bad.
• 34:42
  SPEAKER_03: Right?
• 34:43
  SPEAKER_03: So this is what I'm saying.
• 34:44
  SPEAKER_03: And you can even do this stuff if you have insurance.
• 34:48
  SPEAKER_03: Right?
• 34:49
  SPEAKER_03: You can go out it you can go on Eli Lilly, Nova Nordis, Dexcom.
• 34:54
  SPEAKER_03: You can go on all three of those websites and apply for this these discounts.
• 35:00
  SPEAKER_03: Okay.
• 35:01
  SPEAKER_03: So in that, in that thought process, right now that I don't have insurance, not a big freaking deal.
• 35:08
  SPEAKER_03: I'm not paying tons of money.
• 35:10
  SPEAKER_03: Not paying and I'm not paying tons of money at all.
• 35:13
  SPEAKER_03: So the question becomes as long as I can stay within these programs, okay, and living my day day to day, do I really need insurance?
• 35:26
  SPEAKER_03: No.
• 35:27
  SPEAKER_03: I do not need insurance.
• 35:30
  SPEAKER_03: Again, it's the choice of what you how you want to live your life.
• 35:34
  SPEAKER_03: I know.
• 35:35
  SPEAKER_03: I love watching this.
• 35:36
  SPEAKER_03: It's the choice of how you want to live your life.
• 35:40
  SPEAKER_03: What is the chance?
• 35:42
  SPEAKER_03: What is the chances that I'm going to have a catastrophic injury?
• 35:47
  SPEAKER_03: It's very, very minute and very, very low.
• 35:49
  SPEAKER_03: But but you still have to protect yourself from that.
• 35:53
  SPEAKER_03: Just like we have life insurance.
• 35:55
  SPEAKER_03: What's the chances that you're going to die?
• 35:58
  SPEAKER_03: The chances are very low, right?
• 36:01
  SPEAKER_03: But you still buy life insurance.
• 36:04
  SPEAKER_03: But right now, I'm okay with not spending an extra$350,$400 a month plus for something I'm not going to use.
• 36:16
  SPEAKER_03: You know.
• 36:17
  SPEAKER_03: The only thing I would use, the only thing I would use insurance for right now is to get a Fresa.
• 36:21
  SPEAKER_03: That's literally the only thing.
• 36:23
  SPEAKER_03: Because I can still get Lemjev.
• 36:26
  SPEAKER_03: I can still get all my insulin and my CGMs without insulin or without insurance.
• 36:31
  SPEAKER_03: Because I'm I I'm literally doing it now.
• 36:34
  SPEAKER_03: So it's it's a freaking scam.
• 36:38
  SPEAKER_03: Insurance is such a freaking scam.
• 36:40
  SPEAKER_03: Well, and they they shut hold on, hold on.
• 36:44
  SPEAKER_03: Insurance is such a freaking scam.
• 36:46
  SPEAKER_03: And the biggest problem is we are all handcuffed to have to get something, some type of insurance, or have insurance, and they put the fear of God in us for if there's a catastrophic injury.
• 37:01
  SPEAKER_03: Here's the other prime example.
• 37:04
  SPEAKER_03: Okay.
• 37:05
  SPEAKER_03: A couple years ago, the girls, my wife, Amelia, and Elena, they got on their own plan, and we were paying$52 a month for that.
• 37:15
  SPEAKER_03: And open enrollment, because you have to go through open enrollment every year through the marketplace.
• 37:20
  SPEAKER_03: That shit was going to jump up to$250 a month.
• 37:24
  SPEAKER_03: And we didn't use a single thing of that plan the following year.
• 37:29
  SPEAKER_03: Not one thing.
• 37:30
  SPEAKER_03: They didn't go to the doctors.
• 37:32
  SPEAKER_03: We didn't use anything.
• 37:33
  SPEAKER_03: We literally didn't use anything.
• 37:35
  SPEAKER_03: So basically, I paid$52 a month for no reason that year.
• 37:40
  SPEAKER_03: So a parent has to decide I'm gonna pay this$52 a month, every single month, for peace of mind.
• 37:48
  SPEAKER_03: I mean, yeah, sure.
• 37:50
  SPEAKER_03: But I'm not gonna pay$250,$300 a month for peace of mind.
• 37:55
  SPEAKER_03: No freaking way.
• 37:57
  SPEAKER_03: No freaking way.
• 37:59
  SPEAKER_03: That's a I'm pissing away money that I could put towards something else.
• 38:03
  SPEAKER_03: I'm literally standing over the toilet and pissing away money.
• 38:07
  SPEAKER_03: That's just my thoughts, my opinions at this point in my life, and at this point of juncture of what is going on in my life.
• 38:15
  SPEAKER_03: Go.
• 38:17
  SPEAKER_00: No, the best thing you said was different for everybody.
• 38:19
  SPEAKER_00: Because if you asked me if you asked me or anybody else in my circle, what's the chance of something catastrophic happening to Graham, they'd like they'd laugh.
• 38:29
  SPEAKER_00: They'd be like, what do you mean?
• 38:30
  SPEAKER_00: That's like every day.
• 38:32
  SPEAKER_00: But for me personally, like I'm I'm I'm like all in.
• 38:36
  SPEAKER_00: I live my life more freely knowing that I've my body will somebody will pay for it.
• 38:42
  SPEAKER_00: You should have seen the shit, you should have seen the shit I was doing before I got on this on sat down and talked to you.
• 38:46
  SPEAKER_00: You and the answer is you don't want to know because you know, life I guess my I guess and it's fun because you know we argue, but man, you you could never you could never man, you can't you can't judge a book by its cover.
• 39:03
  SPEAKER_00: You could never judge a type 1 diabetic by its cover, man.
• 39:06
  SPEAKER_00: You have no idea what's going on.
• 39:07
  SPEAKER_00: For me, it's like for me, I just I guess I chose a long time ago that this is what it takes to play the game, you know.
• 39:15
  SPEAKER_00: You need this, you need that.
• 39:16
  SPEAKER_00: You gotta have these boxes checked, check marked, and you know it on the book.
• 39:20
  SPEAKER_03: You don't have to so you don't have to have the boxes checked, you are choosing to have the boxes checked.
• 39:25
  SPEAKER_01: Yeah.
• 39:26
  SPEAKER_03: So, right?
• 39:27
  SPEAKER_03: So that's the that but that right there, that's what pisses me off.
• 39:32
  SPEAKER_03: That's not true at all.
• 39:33
  SPEAKER_03: No, no, no, no, no, it is true.
• 39:35
  SPEAKER_00: The basic.
• 39:36
  SPEAKER_00: So they told you you need to need the program.
• 39:41
  SPEAKER_02: They who, they who when I got a zoo, you're not gonna need anything all you need is insulin.
• 39:49
  SPEAKER_03: That's all you freaking need.
• 39:50
  SPEAKER_03: If we want to really make this like a legit like thing, the pumps, an insulin pump, it's awesome.
• 40:00
  SPEAKER_03: But you don't have to have an insulin pump to thrive, you don't have to have a CGM to thrive.
• 40:06
  SPEAKER_03: I recommend it, it makes it easier, but you don't have to have that.
• 40:10
  SPEAKER_03: All you need is a vial and a syringe.
• 40:14
  SPEAKER_03: That's literally all you need.
• 40:16
  SPEAKER_03: I guess to survive.
• 40:18
  SPEAKER_03: So I guess but what I'm why I'm saying that is because the words that you are using, the words that you are using is putting all of us in a victim mentality of saying, well, they say we have to do this, so we better do it.
• 40:33
  SPEAKER_03: They say we have to have insurance to protect ourselves from catastrophic injury, or because we're diabetic, so we can pay for things, but I literally, I literally laid out that I'm paying less for all of my supplies now, literally less for all of my supplies now.
• 40:50
  SPEAKER_03: My DEXCOM, my my Traceba, and my Limjeb.
• 40:54
  SPEAKER_03: I'm paying less than I ever have when I was on when I had an insurance.
• 40:59
  SPEAKER_03: So it's not about it's not about like the thought process of because we have insurance, we pay lower premiums, or we pay, or we pay lower rates, or we get our stuff paid for.
• 41:10
  SPEAKER_03: No, you still have to pay for all that shit in some fashion, whether it's coming from taxes, whether that's coming from, you know, you're you're paying a little bit from discount codes or whatever it is.
• 41:23
  SPEAKER_03: Like I literally showed that I don't need insurance because I'm paying less for my prescriptions.
• 41:29
  SPEAKER_03: Yes, I know if I have a catastrophic injury, I'm freaking screwed, but it for my diabetes, I'm paying less to supply my get my diabetes supplies now than I was when I was on insurance.
• 41:42
  SPEAKER_02: Yeah.
• 41:43
  SPEAKER_03: Then I had insurance.
• 41:45
  SPEAKER_03: Now, would that be the same if I made$200,000,$250,000,$300,000 a year?
• 41:49
  SPEAKER_03: Probably not.
• 41:51
  SPEAKER_03: Maybe not.
• 41:52
  SPEAKER_03: I don't know.
• 41:53
  SPEAKER_03: I don't know if I would have been approved for the patient assistance programs.
• 41:57
  SPEAKER_00: Ken, I I think just a really fundamental problem you you have, and I have it too, is we work in a very different, you know, we work for ourselves, we work, you know, we don't work for corporations.
• 42:08
  SPEAKER_00: Everybody in their, you know, the the common man, the masses, sign on to a job with a salary and insurance, and then they pass it down to their kids, and everybody has the availability to do that.
• 42:19
  SPEAKER_00: And it's just a it is common, it is common practice.
• 42:22
  SPEAKER_00: It gives you, it gives you the peace.
• 42:24
  SPEAKER_00: It's not just peace of mind.
• 42:25
  SPEAKER_00: People call the doctor a lot.
• 42:26
  SPEAKER_00: People call, people want, people have to do that.
• 42:30
  SPEAKER_03: People call the doctor a lot because they think they have to call the doctor a lot.
• 42:33
  SPEAKER_03: No, because that's the thing, man.
• 42:34
  SPEAKER_00: But they have uh when people are having babies and they're young and they're they're I don't, it's a it's it's it's it's trying for people.
• 42:42
  SPEAKER_00: It's nice to have the doctor support for a lot of people, bro.
• 42:45
  SPEAKER_00: That's the truth of it.
• 42:46
  SPEAKER_00: And well, yeah, it's insurance gives you that, and it's it's more than it is nice, it's more than peace of mind.
• 42:52
  SPEAKER_03: It's not it's not So let me let me ask you this.
• 42:55
  SPEAKER_03: On your insurance plan, on your insurance plan, okay?
• 42:58
  SPEAKER_03: When you're talking about a doctor, when you're talking about going to a family practitioner, my kids are sick, I'm sick, I want to go get some medication, I want to go get some support on my on my you know, on whatever's going on with me.
• 43:13
  SPEAKER_03: Okay, how many times a year does your insurance pay for that?
• 43:18
  SPEAKER_03: Is your insurance actually gonna pay for you to go see your family practitioner?
• 43:21
  SPEAKER_00: Yeah, that's what insurance is.
• 43:23
  SPEAKER_00: It's not unlimited.
• 43:24
  SPEAKER_00: It's not unlimited.
• 43:26
  SPEAKER_00: Oh, I mean, so yeah, but it's people's time, people's time isn't unlimited either, bro.
• 43:31
  SPEAKER_00: Like you the doctor has other things.
• 43:34
  SPEAKER_03: But think about if you got sick.
• 43:35
  SPEAKER_03: Think about if you got sick and you got three kids, all three kids got sick, your husband got sick, and you guys are basically sick through a for a whole entire month.
• 43:44
  SPEAKER_02: Yeah.
• 43:45
  SPEAKER_03: And then three months later it happened again, and then three months later it happened again.
• 43:49
  SPEAKER_03: So you'd have to go to the doctor multiple times for every single person in your family.
• 43:55
  SPEAKER_03: Three, four times a year.
• 43:57
  SPEAKER_00: Hey, if that specific thing happened, I'd probably Say they have like a mold problem in the house.
• 44:02
  SPEAKER_03: Well, no, no.
• 44:03
  SPEAKER_03: It's what I mean, we're we're talking hypothetical.
• 44:06
  SPEAKER_03: Okay.
• 44:07
  SPEAKER_03: So I literally talked to someone at the gym the other day, one of my clients.
• 44:11
  SPEAKER_03: I literally talked to one of my clients on Saturday.
• 44:14
  SPEAKER_03: She's just getting over the she's just getting over whatever this like cold, flu, whatever it is, but it literally lasts an entire month because her kids brought it home from school.
• 44:25
  SPEAKER_03: It went through her kids, it went through her husband, and she was the last one to get it.
• 44:30
  SPEAKER_03: And she's got five kids.
• 44:33
  SPEAKER_03: So this is a real thing.
• 44:36
  SPEAKER_03: Does her insurance pay for everyone to go to the family practitioner, go to the pediatrician multiple times out of the year?
• 44:45
  SPEAKER_03: Just like we just like we can't get more insulin if we run out in thirty 90 days.
• 44:51
  SPEAKER_03: We have to wait.
• 44:52
  SPEAKER_00: Anything would be something in if you know if anything would anything would be something to a family with that many kids.
• 45:03
  SPEAKER_03: All I'm saying is all I'm saying is like when you really think about insurance, it is a freaking scam.
• 45:11
  SPEAKER_03: We gotta pay too much for it, and we don't get hardly anything covered.
• 45:18
  SPEAKER_03: Everything is a reactive reactive thing.
• 45:21
  SPEAKER_03: They're gonna pay for something that's re that that is reactive in terms of your health.
• 45:26
  SPEAKER_03: They're not gonna pay for much that's proactive for your health.
• 45:30
  SPEAKER_00: Can you look at any monthly payment, any monthly subscription, and say, yeah, that's the right, that's the right amount that I should be paying?
• 45:37
  SPEAKER_00: No, I mean it so yeah, it goes, it comes with an it comes with a terror.
• 45:41
  SPEAKER_00: Listen, listen.
• 45:42
  SPEAKER_03: So I mean, oh hold on, let me say this.
• 45:44
  SPEAKER_03: Let me say this.
• 45:45
  SPEAKER_03: I'm gonna answer your question.
• 45:46
  SPEAKER_03: So I would say, what am I paying right now for just pick, say Netflix, your call?
• 45:52
  SPEAKER_03: We'll say Netflix.
• 45:52
  SPEAKER_03: We'll say Netflix.
• 45:53
  SPEAKER_03: When I was using Netflix all the time, yeah, the$20-some dollars I was paying for, it's worth it.
• 45:59
  SPEAKER_03: Because I would watch movie after movie.
• 46:01
  SPEAKER_03: Disney, we'll take Disney as a because my my girls watch Disney stuff, things on Disney.
• 46:06
  SPEAKER_03: I watch things on Disney.
• 46:07
  SPEAKER_03: What I have to pay for Disney Plus, it's completely worth it.
• 46:12
  SPEAKER_03: Because we use it so much.
• 46:15
  SPEAKER_03: It's completely worth it.
• 46:18
  SPEAKER_03: Insurance, it is not worth it because I pay way too much for it.
• 46:25
  SPEAKER_03: Way too much for it.
• 46:26
  SPEAKER_03: I think that's the other thing for what I actually use.
• 46:29
  unknown: Right?
• 46:30
  SPEAKER_03: So the other interesting thing to this though, Graham, is what if you paid this premium, right?
• 46:34
  SPEAKER_03: What if you paid your premium for your insurance?
• 46:37
  SPEAKER_03: Like for and you had like, let's just say they said you get 10 visits throughout the year and you only used six of them.
• 46:45
  SPEAKER_03: But then you can get money back for four of them on your taxes.
• 46:51
  SPEAKER_03: That would be awesome.
• 46:53
  SPEAKER_03: Or we could get reimbursed for not using our insurance.
• 46:57
  SPEAKER_03: That'd be freaking awesome.
• 46:59
  SPEAKER_03: Pay to pay to play.
• 47:01
  SPEAKER_00: You know.
• 47:03
  SPEAKER_00: Again, you know, I I just uh I think uh and this is actually a compliment to you.
• 47:09
  SPEAKER_00: I it's easy for you to take your health for granted because you're a trainer, you're a health coach, you're always been kind of locked in, you know.
• 47:17
  SPEAKER_00: Hold on, let me finish.
• 47:18
  SPEAKER_00: Bro, let me let me finish.
• 47:20
  SPEAKER_00: You aren't you're not you aren't speaking, you aren't always speaking for the common regular man.
• 47:26
  SPEAKER_00: Like even I, who I feel like I'm pretty like I see things whole, like I to this day, tell me, and I love, I would love to know if other type one diabetics fail from this.
• 47:38
  SPEAKER_00: And every time I go like out to eat and I see the fountain drinks, and there's only there's like eight things and there's only one diet, I'm like, that's fucking crazy because everybody drinks, like nobody would choose to drink these things.
• 47:50
  SPEAKER_00: Like nobody ever touches the diet.
• 47:52
  SPEAKER_00: Everybody drinks that like the syrupy, soda-y, like even someone you know.
• 47:58
  SPEAKER_00: It's a reason for that though.
• 47:59
  SPEAKER_00: There's a complete like I respect and love.
• 48:02
  SPEAKER_00: Like, I'm like Dan, what the there's a reason for that.
• 48:05
  SPEAKER_00: Hold on, hold on.
• 48:07
  SPEAKER_00: My point is just that is just a very small thing, but like, you know, people's people, you know, it it costs people, it costs people so much money as they get older and they progress into heart disease and and uh obesity and and type two and all these like that's that's what is really like obviously you see you just see it differently, you're doing it differently.
• 48:30
  SPEAKER_00: It's gonna but understand where it comes from.
• 48:33
  SPEAKER_00: It does come from somewhere, and it does, but by the way, it does come from corporate greed and corruption.
• 48:38
  SPEAKER_00: It does that's not you're not wrong about that.
• 48:40
  SPEAKER_00: Of course it is.
• 48:40
  SPEAKER_00: It's it is it is a bullshit pay to play, it is 100% like ice.
• 48:44
  SPEAKER_03: So, but it's you know how much let me ask you this question how much education do you think is out there?
• 48:55
  SPEAKER_03: Not just not not from a doctor, because I know a doctor isn't gonna educate you on how to live your life.
• 49:01
  SPEAKER_03: How much education do you think is out there and available to people to actually live a healthy lifestyle?
• 49:08
  SPEAKER_00: Well, you know, I thought about this recently, you know what the answer is?
• 49:13
  SPEAKER_00: That's part of it.
• 49:14
  SPEAKER_00: That's part of it.
• 49:15
  SPEAKER_03: But experience, but but you can't have experience if you haven't one decided to do it, decided that you want to live a healthy lifestyle.
• 49:26
  SPEAKER_03: That's the first that's the first thing, and then actively going to search for things that is going to start allowing you to live that lifestyle so you can gain experience.
• 49:37
  SPEAKER_03: So that to for me, the answer to this question is unlimited.
• 49:42
  SPEAKER_03: That's a that's a weird statement because there isn't an unlimited amount of information on every single topic out there that you would want to do to live a healthy lifestyle.
• 49:52
  SPEAKER_03: But today, outside of even five years ago, there's a ridiculous amount of information and individuals talking and individuals like doing things, individuals showing their own progression and their own journeys of how to live healthy lifestyles.
• 50:12
  SPEAKER_03: We can make the argument that there's too much information that isn't 100%, but there's tons of information.
• 50:21
  SPEAKER_03: So that example that you used with all of the pe all tons of people that are going to restaurants, that are going to fast food, that are going into the grocery stores and coming out with all this soda and all this pop and all this ultra-processed food, at the end of the day, that's a choice.
• 50:39
  SPEAKER_03: That's not because they don't know any better.
• 50:42
  SPEAKER_03: That's not because they don't think that it's not a bad thing.
• 50:45
  SPEAKER_03: Some people do, but it's more because of it's a choice.
• 50:49
  SPEAKER_03: And it's a choice because they've been doing it for so long that they're addicted to that.
• 50:54
  SPEAKER_03: That's part of their that's part of an addiction for them.
• 50:57
  SPEAKER_03: Someone that's drinking soda, like regular soda, not diet soda, I would argue that maybe diet soda as well, but just regular soda, there's an addictive property to that.
• 51:06
  SPEAKER_03: Someone that's going and eating McDonald's and Taco Bell and these crazy ultra-processed fast foods, there's an addictive, there's an addictive chemical that happens in the brain that makes you want more of that stuff.
• 51:18
  SPEAKER_03: And on top of that, you add that there's not many nutrients in these foods, so you don't feel full.
• 51:24
  SPEAKER_03: And you can just eat double, triple what you should.
• 51:28
  SPEAKER_03: Right?
• 51:28
  SPEAKER_03: So there's there's all of those things that you have to think about.
• 51:32
  SPEAKER_03: It's like the reason people are so unhealthy, because the first piece is because they haven't made the decision that they want to not be unhealthy.
• 51:41
  SPEAKER_03: If they've actively and they believe and they absolutely want to be healthy, there's information out there.
• 51:51
  SPEAKER_03: And then the other problem is because every there all of the bad crap is so accessible that it's so much easier to go down to the to drive down to McDonald's and Taco Bell and Wendy's and Arby's or wherever it is and get a meal for the family after you were just at the soccer field all day on a Saturday, or after you just worked eight to ten hours and you picked up your kids after work, and like you don't have anything ready for for like it's so much easier to do that than come home and make a salad and some chicken or make something good and healthy for the family.
• 52:28
  SPEAKER_03: It's so much easier to do that.
• 52:30
  SPEAKER_02: I get it.
• 52:31
  SPEAKER_03: So this that's the problem.
• 52:34
  SPEAKER_03: The accessibility to the bad shit, there's too much of it.
• 52:38
  SPEAKER_03: Yeah.
• 52:39
  SPEAKER_03: And it's not a will, I don't I don't feel like it's a willpower thing.
• 52:43
  SPEAKER_03: We've talked about this before, how human beings we want accessibility it to be easy, and we don't want to have to work hard.
• 52:50
  SPEAKER_03: That's I mean, that at least in America, I feel like that's how people live their life.
• 52:55
  SPEAKER_03: And living a healthy lifestyle is not easy.
• 53:00
  SPEAKER_03: It's just not flat, it's just not freaking easy.
• 53:04
  SPEAKER_03: You have to experiment, you have to learn, you have to gain experience with the things that you're trying and you're doing all the time.
• 53:13
  SPEAKER_03: It's a lifelong process of living a healthy lifestyle.
• 53:18
  SPEAKER_03: But I'll tell you what, you're gonna save most so just like you always say, you're gonna save so much more money at the end in the end when you're 60, 70, 80 years old and you got all these chronic health conditions because you made different decisions when you were a kid or when when you were growing up or whatever.
• 53:34
  SPEAKER_03: And like so it it's it's a chronic, it's a it's a chronic hamster wheel of problems.
• 53:40
  SPEAKER_00: Tell me, I want to go back to something you said a second ago that I liked a lot.
• 53:44
  SPEAKER_00: Do you at what age, because I specifically remember definitely up until I was 18, maybe all the way through college, call it 22, like I had a hard time like thinking differently because I think I was being so like everything was a teacher or a coach or somebody telling you what to do, and then then you'd have to go home and do the homework and you're taking tests and this and that.
• 54:08
  SPEAKER_00: Like I that whole that whole idea of experience, you know what I mean?
• 54:13
  SPEAKER_00: Like, and especially now that I'm in the workforce and I've been working for a long time, you want to be 22 and just get a job, and like I'll get it, but yeah, experience is not there is uh there's nothing like experience.
• 54:26
  SPEAKER_00: Do you do do you find it hard to do you think like you could go back to being a 14-year-old and turning on a podcast and like thinking differently?
• 54:34
  SPEAKER_00: Or do you think you're like so hammered with people telling you what to do?
• 54:38
  SPEAKER_00: You get what I'm saying?
• 54:38
  SPEAKER_03: Where no, I do think this is but this is the this is the thought process of what stage of of those three things that we talked about earlier, what stage of that are you in?
• 54:50
  SPEAKER_03: Right?
• 54:50
  SPEAKER_03: There's a lot of 14-year-olds, especially young males, a lot of 14-year-olds that have have no awareness of what a healthy lifestyle is.
• 54:58
  SPEAKER_03: And then there's other 14-year-old males that are like, they're on point, they're on it, they want to learn about nutrition, they want to exercise, they want to look good, they want to do things for for themselves, they want us to get enough sleep, like they understand it, either because they've been introduced to it in some fashion, whether that's through sports, whether that's through their family, whether that's through things that they watch on YouTube, whatever it is, or on social media, right?
• 55:25
  SPEAKER_03: So 100%.
• 55:26
  SPEAKER_03: Like it it just depends on where you are in those stages.
• 55:30
  SPEAKER_03: That I think that's what it is.
• 55:32
  SPEAKER_00: Yeah.
• 55:33
  SPEAKER_03: And if you're open and you and you actually want to do something, that's the first stage that you have to get through.
• 55:39
  SPEAKER_03: And it it can't be like, oh yeah, I want to be healthier, I want to go to the gym.
• 55:43
  SPEAKER_03: I just I want to lose some weight.
• 55:44
  SPEAKER_01: Yeah.
• 55:45
  SPEAKER_03: But then on the weekends, you know, it's football season, you're tailgating, you're eating chicken wings, you're drinking 10, 15 beers as a dude or whatever.
• 55:52
  SPEAKER_03: And like okay.
• 55:54
  SPEAKER_03: What are you doing the other you better be like on point the other six days of the week.
• 55:59
  SPEAKER_03: Yeah, that's what you're doing on Saturday.
• 56:01
  SPEAKER_03: You can't and you can't be doing that Friday, Saturday, and Sunday and Monday, or Thursday, Friday, Saturday, Sunday, Monday for all the football days.
• 56:09
  SPEAKER_03: You can't be doing that.
• 56:10
  SPEAKER_03: That's not living a healthy lifestyle.
• 56:13
  SPEAKER_00: So well, I'll end on this that you know, I I don't think you would have done what you're doing right now without a lot of time and experience under the belt and really having a good like people don't know what resources to use to get insulin and this and that.
• 56:28
  SPEAKER_00: Like you're, you know, you're you're Charlie Day on the ball on the board of like uh always sunny in Philadelphia, you know, there are all the all the lines going this way, maps, the people's pictures.
• 56:40
  SPEAKER_00: You're standing at the board.
• 56:42
  SPEAKER_00: But and we have though we have our differences, you know, I comm I commend your confidence and what's happening, you know.
• 56:49
  SPEAKER_00: I I am I'd be curious what your opinion truly would be after like a year.
• 56:54
  SPEAKER_00: Like so you went uninsured for a whole year, like would you would you at the end of the year be like, you know, maybe I would want that peace of mind, you know, maybe there were a couple things that had happened over the year where you kind of felt the only piece that yeah, the only peace of mind that I would even want.
• 57:09
  SPEAKER_03: And then I feel like that I feel like this about life insurance and about the you know, other things.
• 57:14
  SPEAKER_03: Like the only peace of mind would be the the the catastrophic thing, which is uh which obviously we we recognized earlier that that's what insurance is for.
• 57:24
  SPEAKER_03: Auto insurance is for catastrophic accidents, health insurance is really for catastrophic injury, not so you can go to the doctor.
• 57:31
  SPEAKER_03: Like it it that's what it's really designed for.
• 57:34
  SPEAKER_03: So that's really the only thing that I would really be really wanting.
• 57:38
  SPEAKER_03: But at the end of the day, if I'm gonna go pay a premium, I I want to have a good plan where it also benefits my diabetes.
• 57:48
  SPEAKER_03: Because what's the point?
• 57:49
  SPEAKER_03: I don't go to the doctor.
• 57:50
  SPEAKER_03: I'm not gonna use it to go to the doctor.
• 57:53
  SPEAKER_03: Right?
• 57:53
  SPEAKER_03: Like now with my endo, I'm only seeing my endo maybe once or twice a year.
• 57:58
  SPEAKER_03: My next appointment's not until February or January, right?
• 58:02
  SPEAKER_03: I saw him in April, and I don't have another appointment with him until February or April or June, or it's either January or April.
• 58:10
  SPEAKER_03: And I asked him, I was like, Well, don't you want me to come like maybe every, you know, three times a year?
• 58:15
  SPEAKER_03: And he was like, What for?
• 58:17
  SPEAKER_03: What for?
• 58:18
  SPEAKER_03: You got everything taken care of.
• 58:20
  SPEAKER_03: You know what you're doing.
• 58:21
  SPEAKER_00: I've done that with my, and no, you and I kind of have that you and I kind of I know that's not everybody.
• 58:26
  SPEAKER_03: I get it.
• 58:27
  SPEAKER_03: I know that's not everybody.
• 58:28
  SPEAKER_03: That's what I was gonna say.
• 58:29
  SPEAKER_03: I like I know that's not everybody, but but you for me also, like I could, I could, I could have easily told him, well, I really like having these conversations with you every couple months, like every three to four months, every five months.
• 58:43
  SPEAKER_03: Like, I and he was and and and he would have even easily said to his like I love having these conversations with you too.
• 58:50
  SPEAKER_03: And and he actually did say this.
• 58:54
  SPEAKER_03: He was like, if you if you want to meet with me every four to five months, it's fine.
• 58:58
  SPEAKER_03: Like, I love having these conversations with you too, but like if you're coming in and have these conversations with me, you're paying.
• 59:04
  SPEAKER_03: Like, do you want to pay me to come have these conversations with me?
• 59:07
  SPEAKER_03: I'm like, not really.
• 59:08
  SPEAKER_03: He was like, Okay, cool, let's let's figure something else out.
• 59:11
  SPEAKER_03: So now I only see him once once or twice a year.
• 59:13
  SPEAKER_03: Sounds like you're gonna ask him out to dinner.
• 59:15
  SPEAKER_03: Well, I wanted to come on the podcast.
• 59:18
  SPEAKER_03: Jerk face.
• 59:19
  SPEAKER_03: Okay, I gotta go.
• 59:21
  SPEAKER_03: All right, me too, me too.
• 59:22
  SPEAKER_03: All right, guys, thank you so much for listening, everybody.
• 59:25
  SPEAKER_03: I really hope that you enjoyed this episode.
• 59:27
  SPEAKER_03: If you uh are new to the podcast, make sure that you follow like the show on whatever platform that you're listening to.
• 59:34
  SPEAKER_03: It really helps the show continue to grow.
• 59:36
  SPEAKER_03: The more people that are interacting with the podcast in terms of following it, liking the the episodes, whether it's YouTube, Instagram, or YouTube, uh, Apple Podcasts, Spotify, wherever it is, leave a comment, like and follow the show.
• 59:51
  SPEAKER_03: It just really helps the show grow and allows other people to find the show as well.
• 59:56
  SPEAKER_03: So thank you so much, everybody, for your support, and we will see you guys later.