Latest / The Curve / Out of The Blue: Lily’s Lesson on Health Insurance.

Transcript

Out of The Blue: Lily’s Lesson on Health Insurance. · The Curve

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Okay, before we get into this episode, we just have a quick disclaimer.
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In this podcast, we discuss our own individual experiences with health insurance, but this
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is not intended to be a recommendation or financial advice if you are interested in actually
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getting health insurance, please seek appropriate advice from a qualified professional to
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suit your individual needs.
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Lily, we're so happy to have you here, and actually I was thinking before this podcast,
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you might be our youngest, cutest interview guest we've ever had, so thank you so much
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for being here with us.
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I'm pretty sure we've had a four-year-old.
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Have we?
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Oh, yeah, sorry.
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You get the cutest award?
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Not the youngest, yeah.
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I'll shake it.
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Thank you for having me.
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Now, we are talking to you today because, and do you know what, actually, Lily, this has
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been, this is, hmm, I feel like I'm almost embarrassed admitting this.
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I think I know what you're going to say.
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I have quite bad health anxiety, like I have this low level fear of like, I want to make
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sure that I have the right cover and things in place should something out of the blue happen.
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And so when this story came across, how does, as if we're like in an office, like stories
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or was I just all the time, we're like, yes, no, yes, no.
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Oh, we came across ideas.
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I thought, gosh, this really is like, it's such a good reminder and so, so, and so important
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to talk about.
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So let's perhaps, before we actually get into it, just set the scene, who you are, where
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you live, how old you are, like let's just paint the picture of, like, Lily foot, who
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are you?
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Who am I?
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That's my favourite icebreaker in the world.
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Thank you so much.
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Actually, the most intense question I've probably ever asked.
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Yeah.
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Who are you?
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Who am I?
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Okay, just like top line stats, you know, give us some bullet point.
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Okay, 26 Auckland born and bred still here.
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So I'm the National Auction Coordinator for Bayley's Real Estate, which I adore.
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Sounds impressive.
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Yeah.
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It's a really, really pompous title for nothing as intense as that.
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But I do love that your face kind of lights up when you talk about your work, which is
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kind of rare.
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A lot of people are not that proud or super excited by their job.
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You're probably just excited about saying, paying the title.
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I know the title.
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And will I get giggling because people do react and think, oh, so, okay.
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So something happened to you not that long ago.
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That was not only out of the blue, but also just like a pretty scary kind of a thing
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that most people hope never really ever happens.
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Can you just describe what kind of happened and what was going on for you at the time?
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Can you set the scene for like life work when you went in for what I assume was just
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like kind of a routine checkup and turned into something not particularly routine?
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Yeah.
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So the law in New Zealand is that you get a smear test when you were 25.
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However, before it was age 21.
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So I'm young for my year and the law changed 25 just before I turned 21.
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So all my friends had their first smear test really standard.
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No, no one had HPV.
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It was just not a thing.
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I didn't know anyone that had a positive smear test kind of anything like that.
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So when I got the letter last year saying, it's time.
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I was so relaxed, but I just thought, I don't know if this is fine, everyone has to do
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it.
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It's really fine.
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Did this while with my GP and it was positive for HPV?
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So if anyone who doesn't know what HPV is, can you just explain what that actually means,
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getting a positive test for that?
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So HPV is the, oh God, I hope I'm pronouncing right, the human peplum virus.
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So there are lots of different strains and we're actually vaccinated.
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I am well, I am vaccinated, but in New Zealand, it's a free vaccination against tons of
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strains.
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But for my, why we do smutests and what HPV can mean for women is that it has a high possibility
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HPV of turning into cancerous cells and we're test week like we screen in New Zealand
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at this age because it is the most treatable time.
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So it is it's genius to even do it and it's so needed and so great.
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It is just a shot of, couldn't it is positive?
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And I think that's the thing, right, like I get smutests all the time, but you do it because
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you're kind of supposed to and you're usually when you go along, like you said for a check
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out and you're like, oh, you haven't had this in a while, okay, you get it done.
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But like, yeah, what was the thought process once you got that positive test back?
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How did you feel like emotionally, like what was going through your head because you
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were so young and like you said, it is something that people just routinely get done and
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don't actually even think that it's going to be the outcome that you had.
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It was, I was just so overwhelmed.
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I went into almost autopilot and I don't really remember very much.
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I just sort of, I felt this immense overwhelm and I've never even broken a bone, I've never
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had an illness.
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I've kind of thought this doesn't happen to me, that's this happens to other people, but
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I'd never talked about HPV, I didn't know what it meant and then, you know, my GP's booking
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men for a gynecologist and saying, you need a treatment ASAP, we need to have biopsy.
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It was all, I just remember feeling immensely uneducated and overwhelmed.
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And there's a lot of, a lot of jargon as well, like even HPV and like Colin Uswick, like
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all of that, you just kind of like, whoa, whoa, whoa, whoa, whoa, whoa.
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I also really understand that feeling of overwhelmed Lily and also maybe locking it
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out.
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And we spoke about this off-mic and we'll get into it in more detail further into our
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chat.
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But I mean, as two diagnosed ADHD girls, like overwhelmed and the overthinking can mean,
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because you're in such a fight or flight, your memory almost completely goes, like if
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I think actually back to my childhood, I don't remember so much, like almost because
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my brain is constantly somewhere else.
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So my memory of what I've actually done is like really, really low.
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And it's so much worse when you're in high stress situation.
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So to be in a place where you can't like access your prefrontal cortex because you're
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actually in full-blown fight or flight is really hard to like, a process information,
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but be also like, kind of make the right decisions or choices, like obviously because
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you had health insurance, you didn't have to think about the financial implications.
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But when it came to like the next steps in having to go and like book things and watch,
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yeah, like what actually happened, like even if you don't really remember doing it in
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your own body, like what was the procedure from there?
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Because you actually had to, it was up to like $10,000 I think that you would have been
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out of pocket if you hadn't had health insurance.
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What was the stuff that would have had to be paid for and happened to you from like being
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diagnosed right through to like where you are now?
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Well from the get-go health insurance coverage, my amazing GP, and then she referred me
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straight to one of the top gynecologists in the country who was amazing and because I don't
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really remember booking the appointment or anything, but it was really quick.
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It was really so and after I had a positive HPV test and that is thanks to the health insurance.
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Yeah, so it was just essentially the biopsy, the collection of cells, you know, just to
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see if the HPV was abnormal or not.
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And was it?
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It was abnormal.
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Oh, shit.
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And so what did that mean?
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And so sorry, can we just backtrack like not to be super dramatic about it, but how do
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you get results for that?
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Was it like your GP called you, your gynecologist said you needed to come in, like how did it
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work?
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The gynecologist called me, so it wasn't like that normal lab test email or a text saying
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your results, she called me just to fully, she's incredible and incredibly well versed
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with specifically with people with ADHD, so she called me and made sure I was sitting
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down and explained, you know, that I have high grade abnormalities, which essentially
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means that the cells need to be removed, otherwise it's highly likely that I'll become cancerous.
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And just to, and then she talked to me through the next step, which would be getting a
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let's procedure to remove all the abnormal cells, what it would mean, kind of just talked
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to me through everything from start to finish and made sure I really got it.
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And then she amazingly followed up with an email knowing that I would have just sat there
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in panic.
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Having sort of listened and then it gone in one ear and out the other.
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Yeah, and like I even had the things you are anxious about, I was panicked that I wasn't
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asking the right questions during our talk, so her following up with an email afterwards
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completely ensured that every bit of information, I would, I fully comprehended it and was,
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I got my head around.
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How amazing that you had someone that knew how to deal with someone that's neurodiverse
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too, because I do feel like I know there's so many incredible doctors and like so many
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people that are just like insanely smart and good at their job, but I think like this
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crucial piece of being able to communicate with people and like knowing that everyone reacts
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in different ways and processes information differently, like to have someone that's
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able to speak to you in a way that is like really kind and keeping that in mind would
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have been huge.
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Oh yeah, it's huge and I'm navigating like the health system for the first time ever.
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You know, then if this has not happened, I was 25, I was 26 during the operation, so
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to have that, amazing.
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I would just love to understand a bit more about what actually happened in terms of like
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what did you have to go through, like we've sort of spoken about the initial smear and
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you found out that the cells were abnormal and then you had the thing that none of us
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can pronounce, which is removing the cells to see if they are pre-cancerous and they
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were.
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So then what happened from there, what procedures or treatment did you have to have done?
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So everything happens, like I've been saying everything was so quick, everything was so
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quick, but then this is where things go really, really fast.
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And as soon as the biopsy results showed that I had high grade abnormalities and you
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know, pre-cancerous, straight away I was booked into a procedure called a Let's Procedure
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which I've got it written down as a large loop excision of the transformation zone.
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So you're essentially your push, well in my experience I was put fully under and then
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they insert the large loop and they remove all cells with high grade abnormalities and
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I had quite a lot of cells removed around the area just to be prudent.
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Are you asleep for that?
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Is it like a fully sedated, it's so weird isn't it and then you count down and then all
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of a sudden you're like I'm not going to go, I'm not count and I'm like one and then
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I just wake up and it's done and I'm like, yeah it's so weird, it's such a bizarre feeling.
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So I woke up, I woke up so confused and my nose wouldn't stop itching and I kept crying
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to this poor gorgeous nurse at escort saying, you know what, why am I crying and my nose
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is so itchy and I've already got an up to nose, like I was just so, I don't know.
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You've got a view from the nose.
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This is must say some like, people must say and do some weird stuff when I come out
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and a student.
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There should be like almost like America's funniest home videos but like within the hospital
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edition, like just stuff that happens straight after, because there's funny, there's so much
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funny stuff from like your mouth being numb and just like, food just pouring down.
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So you're saying that's quite a intensive procedure.
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So what was the recovery like?
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It doesn't sound, I think it doesn't sound that intensive because it's such a small
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space, but God, it was about two weeks I was bed bound, which I've never done anything
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like that in my life, especially with ADHD.
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You could have been out a bit for two weeks.
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Well I could just like, I could just kind of hobble and get out, but you know, my ADHD
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is hyperactive, you know, hypermobile and hyperverbal, I'm not, I'm not a lie down person,
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I'm not a chiller.
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No way.
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I've never chilled in my life, I don't even know what that is, that's two weeks.
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Yeah, okay.
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And then I guess during that time, like that's a really good example of a pay issue, right?
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Like how did that work?
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Did you have to take two weeks off work?
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Was it sick leave?
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Was it paid annually?
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Like how did that work?
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I did a week of sick leave.
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Thank God, my job was amazing and my company's amazing and they've been so supportive
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and then I did a week working from home, which I really wish I could have had more leave
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and I think I should have, despite how hard it was being bedridden, but just I think
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it's so important to let yourself, you know, completely heal.
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Also you're taking painkillers, right?
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Like you're actually like, you should probably be horizontal for the time in which until
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you're not taking things like, um, ho-day or whatever.
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Yeah, I mean, I don't think you should be taking copious amounts of pain relief.
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And then trying to use your brain normally, I just, yeah, I think I wish I did take a bit
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more time as hard as it was.
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There's so important to be fully recovered.
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Oh my God, I'd be so scared of my emails.
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Oh, remember that time I had to go on coding and wear, oh my God, yeah.
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I was at work and I had serious bad luck.
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That was shorty, you should have taken time off.
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I was like, at work with sort of, and I had, my back was having spasms and I'd taken some
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coding and I just, I, all I typed into my notes.
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I don't know why I didn't even speak to you, but you were right next to me and I was like,
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I feel like I am.
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You headway to it.
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Yeah.
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Like I was honestly felt like I was, I was, I was like, I need to get out of here.
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Like it was, yeah.
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You need to be horizontal, everything and not trying to like do anything other than.
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So I can imagine, yeah, like thank goodness I had my own business.
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Well, I think income protection is really good.
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Like this is what we, this is what we've learned.
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One of the income protection things is like, I mean, I, I, you'd have to look into
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like the different types.
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And we actually do have an episode on this, which we could link in the show notes.
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Basically, there's heaps of different types, but there are some that when you're,
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when and if something like this happens, insurance can pay for your, like, so that
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you're not having to take paid or annual leave or worse, not take any recovery time
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because you can't afford to.
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Yeah.
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That's a real stress.
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Yeah.
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You definitely need to.
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But it is definitely something to consider because it's not just the healthy
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episode or the procedure.
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It's like it's also the recovery, the time of it, like if you had a family and children
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that they needed, they need to be talked after like there's all those ancillary kind of
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costs that you don't really think of either.
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Also therapy, like you might have wanted therapy or like needed to speak to someone about
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it because you were struggling with the processing part, you know, like all those things cost
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money.
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Yeah.
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Like it's so easy to forget.
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Like almost like you need the most resources where you're in the worst position, you
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know.
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Do you ever at any point when you're going to these GP, you're going to the gynecologist,
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you're having these procedures?
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Were you ever at a point where you were like, oh gosh, like how much is this going to
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cost me?
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How much am I going to be out of pocket?
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Like was the financial side of everything that was going on with you, health wise, ever
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a stress or were you kind of very comfortable and very confident that insurance was going
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to cover most of it?
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I guess at what point did you kind of sit down and go, okay, I just want to check the
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insurance does cover this?
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Yeah, I did really panic and I sat down with my mum who got me to get insurance and
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you know encouraged me and said, you have to start when you're young, you just never
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know, always prepare.
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Anyway, I sat down, read and thought, oh my God, thank God, okay, this covers for the gynecologist
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before I'd even had to buy up and send the results.
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And then I was relaxed, but on that reading, I realized how much it did cover.
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So at that point, I was comfortable to make decisions that were best for me without weighing
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up past.
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I think that is like so, so underrated because like even for myself, like I know there's
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things that I would go into a complete panic mode if something was wrong as well.
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And the last thing that I would need would be the stress of how am I going to pay for
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it.
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And now in the UK, like the ADHD diagnosis, I have a New Zealand doesn't transfer.
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So like if I want to get a repeat over here, it's like another 2,000 pounds or whatever.
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And I need that for my own functioning, but like I absolutely can't afford to be out
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of pocket that much.
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I think that when you can make decisions for your health and your wellbeing without even
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having to for a second, think about the financial implications, like that is amazing.
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And like my dad even, like he's had sinus issues as a whole life and he's finally been
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told he needs to get an operation, like it's so bad he can barely breathe or smell.
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And he has to wait for the public system to put him through, you know, because his health
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and his private health insurance, I think because he's had it for so long, it's a pre-existing
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condition or whatever.
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But the point is like I've seen people around me struggle with not having the right insurance
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and having to make decisions based on the financial side of things and I think you can
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just eliminate that.
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Well especially when things are very time critical, right, or time sensitive and like
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the sooner you get on top of them, the better.
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But I think I love like what you said, well, what your mum said about, you know, getting
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insurance when you're young, because my mother said the same thing.
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And when you're healthy and fit and you feel like, you know, you're never going to fall
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prey to a serious illness, it's really hard to comprehend.
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It's the same with owning anything, right?
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Like a house.
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No, but my house is a new build or it's like, you know, it's made with good quality materials.
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Like I don't need to necessarily get the most, you know, procedure insurance, insurance.
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But I think when you're younger, the procedure is trying to say just that.
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But it's just I, I remember mum telling me and I'm going, oh, just mum stop.
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But then I got it.
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I didn't even, I don't notice the payment going out.
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I don't notice, I don't notice it, but God did I need it and how amazing was it?
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You know, financially, not have to worry about it.
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Would have been tens of thousands of dollars all up the entire experience had I not.
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I had a situation where like I had, I actually had something crossed from when I was like a
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baby, my parents put me on it when I was like, like literally when I was born.
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Same.
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Yeah.
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And then I moved to Australia and I had to, I kept defer, kept deferring my payments
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because I was in Australia and I had media care and blah, blah, blah.
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And then it got past the five year mark or like past the year that you can keep
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deferring without keeping your original, like policy.
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Anyway, and then when I rejoined, it was just like so, it's so much more expensive
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because I hadn't done what my mum said.
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What would you say Lily to people in the early 20s?
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I just think I'm so fit, you know, this year alone, I've done two
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high rocks competitions and in between.
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What is that?
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I feel this lately alone.
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What is high rock?
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It's just like a sports you run and the new weeks, you do an ex a heterosexual size kind
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of thing.
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No way.
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I don't find it really genuine.
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I want to work so hard.
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Can you explain it?
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I want to know because it keeps coming up in conversation with people at high rocks.
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I'm like, what like, if you think of someone was like a marathon runner's plus cross
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fit extraordinary is plus like all these, yeah, it's like and varianting.
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Don't get it.
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So it's a gym class.
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No.
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So like you run one kilometer and then you do in a thousand meter, like a kilometer ski
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gig and then you run another kilometer.
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So you do eight exercises and eight kilometers in total and you try and do it as fast as
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you possibly can.
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Oh my God.
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So it's kind of like a class that you do it in a fitness class, right?
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No, no, it's a competition.
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It's like, it's like a, like they do it.
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Oh my God.
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Yeah.
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Yeah.
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I guess there are some cross-foot gyms that would probably simulate something quite
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like that.
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Yeah.
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So the point here is you could run an ultra marathon.
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Oh, yeah.
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I don't know about ultra marathon, but it's like this year alone, I've done two high
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rocks competitions and two at my own home, but I've done quite well in the midst of both
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of these.
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I had a positive HPV and then I had to have an operation because I had high grade
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abnormalities and people were saying words like pre-cancerists, you know, the big
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sea, it was terrifying and you just think, I so thought that this kind of stuff happens
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to other people.
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It doesn't happen to me.
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So it is so much better to be safe than sorry and I know how easy it is to avoid the
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avoidance that's avoid no anxiety, no nothing, but in the long run, it's just...
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I think one of the things that is a barrier for a lot of people when it comes to admin
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or...
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And it could be sort of health insurance or it could be sort of anything else, but like
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when something feels like, oh, this is going to take so much of my time or energy or
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it's, you just put it on the back burner.
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I think that a lot of the time people can feel, like, firstly, the task is much bigger
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than it is because actually, like...
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It's not that big of a task, but it can feel like if you have ADHD, it's not that big of
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a task.
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It can feel like if you have ADHD, like particularly, admin can feel overwhelming.
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So I think that from my experience with things like admin-related tasks that feel like a mountain,
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I have no idea where to start or how to climb or I forgot my walking poles.
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Something I find really, really helpful is asking a friend or a family member to sit down
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with me and say, hey, I'm really struggling with XYZ and if health insurance is something
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that you've been wanting to, but you actually haven't and you've perhaps put it off for
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a while, I just really think that that's been such a game changer for me.
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And I remember when I got health insurance and I was like, oh gosh, but I can't afford
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to remember what it was at the time, like, you're $30 or $40 a month, so I can't afford
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that.
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Like, I need that money.
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Like, I found that money very easily.
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Do you know what I mean?
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It was all just about adjusting my lifestyle and so for me, it was like, I can't afford
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it, but I actually could and I think, you know, perhaps it's just maybe re-looking at
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your priorities and there's different levels of cover, right?
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You know, some levels of cover can be quite expensive, but it depends what you're after
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and so, yeah, I think it's just about prioritising and for me, health insurance was definitely
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an essential.
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You know, Netflix, not so much an essential.
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That's a lot though.
23:27
And when we talk about, like, how to budget and how to save and how to think about your
23:31
wants and your needs and I think, for me anyway, the idea of looking after my health and
23:36
my wellbeing as a need, it's not a want.
23:39
And so when I look at what I have every month coming in, even though it's going to mean
23:44
I have less than my wants, for me, that shouldn't be a negotiable because health is the most
23:52
important thing.
23:53
I care so much about my health and if I'm not then putting money towards prioritising,
23:58
protecting and looking after that, it just doesn't align for me.
24:02
I want to know Lily, how so many young people, when I say that I mean you, not us, we're
24:09
young.
24:10
We're not as young as we were, but anyway, I mean how old I was in the weekend, it was
24:14
the first time I had to say 34 and I was like, holy shit, when I was in Greece and I was
24:21
dancing on the club and it was so loud and this guy was like, how old are you?
24:27
And I was like, 34 or something anyway.
24:30
And he's like, he goes 24 and I was like, yep, and I was like, I was like, the one time
24:39
I'm not going to try and correct you.
24:41
Oh my gosh, but what I was going to do is, you know, like young people try, find it quite
24:46
difficult, even I do, and it's like, find it difficult to prioritise, like living in
24:51
the now and, you know, living life to the fullest, but also thinking about the future and making
24:58
sure that you've got your financial foundations set up and all of that, like, how has that
25:03
changed for you now, are you much more, you know, living in the moment and being present
25:08
or is it, you know, you actually are much more focused on the future?
25:13
You said a few questions because I think particularly for you, Lily, we've had a health
25:16
scare, most people then go to living in the moment, but then also you're obviously quite
25:22
aware that you're trying to buy property and I, yeah, I'm actually really keen to hear
25:26
answer on that.
25:27
That's a really good question.
25:28
I think it's not only, it's like, you've also got, I've also got, you know, anxiety
25:33
and ADHD, which neither are really in the moment.
25:37
I'm either in the past or in the future, and then you've got a health scare which makes
25:42
you want to live in the moment and everything is incredible, but then I've also 26 and society
25:49
and well, I want to as well as telling me to get a house to settle down, how's your
25:54
share, how's your investments, do you have this, do you have this?
25:57
So it's a really, really funny mix.
26:00
I think I am definitely living in the now slightly more than I was before just from this
26:08
scare alone.
26:09
It's a, it's such a good answer and I think I totally, yeah, I totally, totally, totally
26:14
understand that.
26:15
Like, because I flip flop between that, I haven't had a health scare, but I, I flip flop
26:20
with that a lot in terms of, you know, if someone close to me has, or, you know, someone
26:25
close to me, unfortunately, like passes away or something, it does jolt me sometimes
26:30
to be like, why are we, and I can't believe I'm saying this with on a financial education
26:34
platform, but, you know, why are we so hung up sometimes about like saving for a time
26:39
and when it, you know, it might not even come.
26:42
So like, it's really interesting that you bring that up because one of my sister's friends,
26:46
like about a week ago, actually really tragically died and she, but she's been sick for a long
26:53
time and she actually opted out of her like pension or KWC and so, but, you know, because
26:59
she knew, because she had a health condition that she just was never going to get there
27:02
and I, for the last week, have been making such a conscious effort.
27:06
I actually didn't even know her, but like, I've been really trying to think of her and
27:09
every time I think, like, I'm too tired to go for a run or, oh, I'm feeling lazy, I'm
27:14
not going to make something healthy or, oh, I can't be bothered going to do this.
27:18
I'm like, what a privilege, what a privilege to be here to be able to move your body,
27:23
to be able to choose to exercise, to be able to actually prepare food for yourself.
27:26
Like, I'm really, really trying because like you, Lily, I get terrible anxiety and I
27:31
have to struggle so much to live in the now, but I think if you find the things that can
27:36
bring you back or like anchors that can be reminders of like how important it is to
27:41
live your life while also being sensible and putting the safety nets in place should
27:45
you need them.
27:47
It's a really hard balance, but I think that it is a balance, right?
27:50
It's got to be a balance.
27:52
If you spend too far one way, it's not good.
27:54
If you spend too far the other way, it's not good, but it's also not punishing yourself
27:57
if you do for a period of time.
27:59
100%, but just thinking about it, it's not so much, I think that this has taught me
28:06
to be particularly present or particularly, you know, play and heavy, it's that really
28:11
good balance, but also it's, this sounds so lame, but it's like I've stopped swearing
28:17
the small stuff as much, you know, if something happens, it's like something minor, it's
28:24
just kind of like, oh, that's life, like honestly worse has happened or could happen.
28:30
And I think that's probably the coolest takeaway is that mindset shift.
28:34
There's like a bit of sweetness to this, right?
28:36
Like all three of us are healthy and here and have like hopefully a huge amount of our
28:42
life to live and I think like two things can be true, like we can know that and be grateful
28:47
and we can, if it works for us, we want to put things in place, whether it's in
28:51
income protection or health insurance or, you know, have an emergency fund, should something
28:56
go wrong.
28:57
Like you can do both things and I think that that is what I'm so grateful for with the
29:01
curfers that I think if you put stuff in place, you can more or less set and forget, like
29:08
it doesn't have to be this like constant obsession of like, I'm going to check my policy
29:13
or I'm going to check this.
29:14
It's like you can just know in the back of your mind, should something out of the blue
29:19
and awful happen to me.
29:20
I at least know that I don't have to worry about it financially.
29:24
And I could just reel in the emotions and like the mental, you know, I can focus on
29:31
getting better and the things that matters.
29:33
The things that matters, we need time with family and the support and all of that.
29:37
I want to just finish on like, what would you have done differently?
29:41
You know, if you had to go through all of this again, is there anything that you would
29:45
do differently, like probably apart from getting tested earlier, although, you know, you
29:50
still were very young when you got tested, but like, is there anything else you would have
29:54
done differently?
29:55
It's quite hard to think of something different because I do feel really privileged and really
30:00
lucky for my experience because as horrific as it was, I was dealt with, you know, I dealt
30:05
with the most amazing specialists and people and people who understood me and wanted to
30:10
work with me.
30:11
And I think, I think I'm doing what I wish I would have done before and just talking
30:17
about it.
30:18
I was so ashamed almost to be positive with it when it's such a prevalent and common
30:25
thing.
30:26
And I didn't really tell many people and I really wish, I think if I had to do it all
30:29
again, would be just talk about it with a few more people.
30:34
What made you feel ashamed, Lully, like what part of it?
30:37
I just think because I didn't know anyone that had it and because of, you know, the
30:42
area of where it happens in your service is such kind of a personal private part.
30:48
And it just, you know, it's, it just wasn't really talked about and I know it's so stupid
30:54
to feel ashamed and why and it doesn't mean, doesn't mean anything.
30:57
And it's not until I started talking about it saying, you know, I've had an operation.
31:02
What is it?
31:03
That you find out, oh, God, they've had it too.
31:06
Well, they know, or they know, and I just, I think that's the one thing I would change.
31:10
The really just talking about it more and leaning, leaning on the village, the village
31:16
just a bit more.
31:17
I think that's such a, it's such a brave thing to change that, you know, like in hindsight,
31:21
you realize you wish you talked about it more and here you are talking about it more.
31:24
So like, I'm sure there's a lot of people who are listening who, yeah, will have really
31:30
like learnt from your experience and hopefully feel less alone if it's something that they're
31:34
going through right now.
31:35
Gosh.
31:36
I feel like we all need to have a group hug or something.
31:39
Yeah, they're better to power out.
31:41
But I'm really happy, Lili, that like you're okay and you're now healthy and that, you
31:46
know, you're on the journey to buy a house and it sounds like life is other than what
31:51
was a less than ideal.
31:52
We'll get you back on the podcast and talk about that life journey.
31:55
Yeah.
31:56
But now I can.
31:57
Yeah.
31:58
Because of everything I can have the most epic life ever, you know, you're all wonderful.
32:03
Yeah.
32:04
I'm so glad we met you.
32:05
Thank you so much for coming on.
32:06
Thank you for having me and letting me talk about this.
32:08
I hope so.
32:09
Oh, I feel emotional.
32:10
I feel like.
32:11
I'm just so glad you're okay and I also feel like there's just so many stories you hear
32:16
where people aren't and they haven't had the things in place and it's just like it's
32:20
nice to speak to someone where like the story is like a happy ending and not.
32:24
It's just so much sad shit happening in the world at the moment and I think I sometimes
32:28
feel overwhelmed.
32:29
You're going to sit me after, but no, I know it's cool to talk about this in a positive
32:34
light.
32:35
No, thank you so much.
32:36
I think a lot of people listening would have will hopefully go away and realize and look
32:43
at their financial situation and, you know, see if insurance is right for them and that's
32:47
all we can hope for people to get out of this podcast is that, you know, that they actually
32:52
take their health seriously and, you know, if only got one body that we live in.
32:56
And invest in it, right?
32:57
And invest in it.
32:58
Yeah.
32:59
We invest in so many other things.
33:00
Your health is something you can invest in too, like with your time and your energy and
33:04
your resources.
33:05
Health as well.
33:06
Totally.
33:07
Thank you, Lily.
33:08
Oh, man.
33:09
Thank you so much, Lily.
33:10
Thank you so much for listening to Raisin the Curve.
33:12
These conversations are designed to teach you everything you need to know to be better
33:15
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33:19
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33:27
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33:32
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33:33
So please do it.
33:34
Okay.
33:35
Okay.
33:36
Quickly.
33:37
The Curve was created to empower and educate you about investing, but we are not financial
33:40
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33:41
Our platform exists for educational purposes only and it doesn't provide personalized investing
33:46
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33:51
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33:56
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33:59
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34:01
You got this.
34:02
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