Speaker 1: A record breaking year for life insurance payouts. One hundred
Speaker 1: billion dollars was paid out in twenty twenty one from
Speaker 1: life insurance companies to beneficiaries. So that is actually an
Speaker 1: eleven percent jump from twenty twenty, which represented the largest
Speaker 1: year over year increase fifteen percent since nineteen eighteen influenza pandemic.
Speaker 2: So that's crazy. So all right, life insurance.
Speaker 1: Yeah, whenever I have a financial planning call for Eyo University,
Speaker 1: I always get the most questions about life insurance. Is
Speaker 1: an ongoing thing, like every single time. So it's never
Speaker 1: a bad time to talk about life insurance because I
Speaker 1: realized that so many people still have so much questions
Speaker 1: about life insurance.
Speaker 2: But I want to talk about it, but I want I.
Speaker 1: Want to get you guys opinion on it before before
Speaker 1: I stopped talking about it.
Speaker 2: So, all right, one hundred billion dollars.
Speaker 1: Was paid out last year from life insurance companies to beneficiary.
Speaker 2: So what's your initial thoughts on that.
Speaker 3: I'm a little conflicted, to be honest with you, right
Speaker 3: to be for a couple of reasons. The first reason
Speaker 3: is that if it's paid out, that means people actually
Speaker 3: had it, and I'm telling you. When we sat down
Speaker 3: fifteen twenty years ago and we were talking about life insurance,
Speaker 3: it was not even a topic in our community, Like
Speaker 3: nobody was even interested in hearing about it. Now, out
Speaker 3: of that one hundred billion, I'd be interested to see
Speaker 3: how much it was paid out for communities that look
Speaker 3: like US. That is a statistic I would like to see.
Speaker 3: But I don't know is it encouraging? I'm torn, I'm
Speaker 3: honestly just torn about it.
Speaker 2: But why are you torn?
Speaker 4: Well?
Speaker 3: Because if it we know that that that's a form
Speaker 3: of a way to generational wealth right for our communities.
Speaker 3: That hasn't been nobody, but we know that it is
Speaker 3: now And obviously what you're doing and everybody is doing
Speaker 3: in the financial literacy movement talking about it and showing
Speaker 3: how it can be a builder black for generations out
Speaker 3: of here, outside of US, one hundred billion is obviously
Speaker 3: a huge amount. I'm just saying, how much of us
Speaker 3: are represented in those numbers?
Speaker 2: Right?
Speaker 3: So, like, yeah, it's great that people are aware that
Speaker 3: life insurance can be a building block.
Speaker 5: Are we aware are we represented inside that billion?
Speaker 2: That's a big question.
Speaker 5: Yeah, I mean that's what I'm saying. I'm trying. I don't.
Speaker 5: I'm conflicted on it. I don't know.
Speaker 4: To be honest, I haven't done enough research on this topic.
Speaker 4: So I think it would be a disservice to the audience,
Speaker 4: myself and this amazing show to give commentary that is
Speaker 4: not based on fact or research. I know some people
Speaker 4: think I just rant because you know, I like attention this.
Speaker 4: This is backed by God and the work that I
Speaker 4: put in, so I don't betray your point is really interesting.
Speaker 4: I wonder how much of those payouts or disperse us,
Speaker 4: Especially from the conversation that we had with Don People's
Speaker 4: last night, I would estimate probably less.
Speaker 5: Than fifteen percent.
Speaker 4: But I do want to give a homework assignment for
Speaker 4: the money that has been dispersed over the last five
Speaker 4: years to the audience. How much of that goes to
Speaker 4: black and brown families? And it's not because we're not applying,
Speaker 4: because I know a lot of people will say, well,
Speaker 4: if people apply to get it. I have personally went
Speaker 4: to situations when family members have poured into a policy
Speaker 4: for twenty and thirty years and did not get that
Speaker 4: projected earnings a point supposed to get the death benefit.
Speaker 4: But I think it would be a disservice to me
Speaker 4: to speak for this one.
Speaker 5: You said fifteen percent you think.
Speaker 4: I mean that.
Speaker 2: I'm just like that.
Speaker 3: I mean, well, so the thing about it, that's a
Speaker 3: high ceiling that that's what I said, so different really quickly,
Speaker 3: because like, even even when we do have it, I
Speaker 3: feel like, especially like if people have insurance to their life,
Speaker 3: insurance to their job, the amount is like so low. Right,
Speaker 3: Like even when I told people when I was twenty five,
Speaker 3: like I have a million dollar policy, it was like
Speaker 3: how did you do that? Like why would you do
Speaker 3: so much? And I'm like, well, it's for the year
Speaker 3: is the one I'm going. So the mindset wasn't even there.
Speaker 3: But I mean this, this guy's the expert. Come on,
Speaker 3: come on, go crazy.
Speaker 1: I feel it well, I feel like, yeah, there's two
Speaker 1: different conversations having happening. If we're taking advantage of it
Speaker 1: or not, that's a conversation that we we don't know.
Speaker 2: We'll have to see the numbers.
Speaker 1: I would suspect that there has been an uptick, but
Speaker 1: I would think that we're still under insured as a community.
Speaker 1: I would I would think that we're still under insured.
Speaker 1: Now that's one conversation. The other conversation is okay, one
Speaker 1: hundred billion dollars is being paid out. We understand that
Speaker 1: life insurance is one of the fastest and easiest ways
Speaker 1: to grow generational wealth because you're pretty much paying for
Speaker 1: money pinions on a dollar, right, Like, if you have
Speaker 1: a life insurance policy, it's a million dollar policy. Let's
Speaker 1: say you've paid one hundred thousand dollars of premium before
Speaker 1: you die. Then you've purchased one million dollars for one
Speaker 1: hundred thousand. That's a good deal in anybody's book, right,
Speaker 1: But it's important to understand the life insurance that you're
Speaker 1: actually getting and how the process works. So like even
Speaker 1: when Ian was saying that you know a lot of people,
Speaker 1: they might have paid into a policy for twenty years
Speaker 1: or thirty years and then they don't actually get or
Speaker 1: the policy you know, expires or explodes or different things
Speaker 1: that they should because not all life insurance is created equal.
Speaker 1: That's something that's extremely important to understand as well. So
Speaker 1: when you're buying your life insurance policy, it's important to
Speaker 1: be educated on what you're purchasing. It's just like anything else,
Speaker 1: like if you're purchasing a home, or if you're purchasing
Speaker 1: a car. Every car is not the same, every home
Speaker 1: is the same. Right, you have to be educated on
Speaker 1: what you're actually purchasing so you can have the most
Speaker 1: efficient outcome when it comes to that. So briefly, because
Speaker 1: I've talked about this a few times, but term insurance
Speaker 1: very important to understand. That is the lowest costing insurance,
Speaker 1: lowest premium. It lasts a term, you know, ten to fifteen,
Speaker 1: twenty year term where you pay a premium, you have
Speaker 1: a death benefit. Let's say you have a twenty year
Speaker 1: term policy. Right, you pay a premium for twenty years,
Speaker 1: and if you pass away before that twenty years is over,
Speaker 1: then your beneficiary is to get money. Now, the problem
Speaker 1: with term insurance is that I think like ninety seven
Speaker 1: percent of term insurance policies don't actually end up getting
Speaker 1: paid out because most people don't die within the term.
Speaker 1: So to get insurance, you have to be approved for insurance, right,
Speaker 1: and there's underwriters, so they're usually not going to approve
Speaker 1: somebody that has a high probability of dying within a
Speaker 1: twenty year term. So anybody can die at any point
Speaker 1: in time, but you go by odds, right, and it's
Speaker 1: mathematical statistics, so it's like the odds of somebody that's
Speaker 1: twenty five and they're healthy dying in a twenty y eight
Speaker 1: next twenty years is relatively low. So now you can
Speaker 1: afford as an insurance company to give, you know, insurance
Speaker 1: to a lot of different people, because you know only
Speaker 1: a few people is actually gonna die and a few
Speaker 1: people that do die. The other you know, ninety seven
Speaker 1: percent of people that don't die, those premiums are going
Speaker 1: to make up for that. But it's still beneficial because
Speaker 1: some insurance is better than no insurance, and if you
Speaker 1: don't have a budget for anything else, then term insurance
Speaker 1: can be a good option. And then you have whole
Speaker 1: life insurance, which lasts your whole life and it also
Speaker 1: builds cash value. The cash is money that you can
Speaker 1: actually use while you're alive. Now, a lot of people
Speaker 1: have criticized whole life because they say that it's too
Speaker 1: expensive and they don't want to mix investing with permanent insurance.
Speaker 1: It's your own personal prerogative on that. There's pros and
Speaker 1: cons for it, but the general idea of it is
Speaker 1: that it lasts your whole life. But there is a
Speaker 1: hybrid approach guaranteed protection universal life. We've talked about this
Speaker 1: EIO University alone a lot where this is a pretty
Speaker 1: much like a.
Speaker 2: Lifelong term policy.
Speaker 1: So you're paying premiums and as long as you pay
Speaker 1: a premium, you have a death benefit. So that's extremely
Speaker 1: beneficial because now if you don't want to mix investing
Speaker 1: with insurance and you just want, you know, the clean cut,
Speaker 1: just whatever I pay for I'm going to get, you know,
Speaker 1: if I die, my family gets money, then that's that's
Speaker 1: an option. And the premiums are less than whole life insurance,
Speaker 1: but they're more in term, so you kind of get
Speaker 1: in the middle ground for that. Now, where people come
Speaker 1: into problems with their policy a lot of times where
Speaker 1: they don't fully understand it is universal life policy, index
Speaker 1: universal life policy, and variable universal life policy. This is
Speaker 1: life insurance that's tied to the stock market. Now, this
Speaker 1: is where it kind of becomes a little tricky because
Speaker 1: there's a lot of variables that go into play. So
Speaker 1: this is a hybrid type of insurance policy where you're
Speaker 1: actually mixing insurance with investing. The problem with this is
Speaker 1: that if you don't fully understand it, and in times
Speaker 1: like even now when the stock market is down. Now,
Speaker 1: that can draw all your cash value and negatively affect
Speaker 1: your insurance policy. So this is something that you have
Speaker 1: to be extremely educated on. If you're going to mix
Speaker 1: the life insurance with investing, you have to know how
Speaker 1: much money you're putting in. You really want to overfund
Speaker 1: a policy in that scenario to make up for any
Speaker 1: down years in the stock market, and you have to
Speaker 1: be careful when you take money out. So, like I said,
Speaker 1: I can go on for this for a long time,
Speaker 1: but I.
Speaker 4: Just wanted to choose cool questions for you. I'm going
Speaker 4: to cut you off. I want you to finish project
Speaker 4: before we go to the next one. I do have
Speaker 4: two cool questions for you that I think you got. Yeah,
Speaker 4: if you let's say a person is making one hundred
Speaker 4: thousand dollars a year, what is the multiple that they
Speaker 4: should have for the depth that if it won't pass?
Speaker 1: So yeah, good question. And you know, of course it
Speaker 1: goes by like if you have a family or house.
Speaker 1: But rule of thumb is that you should always have
Speaker 1: probably ten times your income. So if you're making one
Speaker 1: hundred thousand dollars a year, you should have at least
Speaker 1: a minimum of one million dollars life insurance policy. You
Speaker 1: might need more, like I said, if you have kids,
Speaker 1: if you have a mortgage, you might even need two
Speaker 1: million or two point five million, But at the very
Speaker 1: least you need ten times your your income. That's like,
Speaker 1: you know, and that might seem like a lot, but
Speaker 1: it's really not so if you think about it from
Speaker 1: a standpoint of all, Right, let's take a million dollar policy,
Speaker 1: right and let's say you're making Let's say you're even
Speaker 1: making fifty thousand dollars a year, so we'll do twenty
Speaker 1: times your incomefidence area. Let's say you're making fifty thousand
Speaker 1: dollars a year, right now, you have a million dollar policy.
Speaker 1: So what happens is that when you die, your beneficiaries
Speaker 1: have an option. Usually, and this is why it's important
Speaker 1: to education your beneficiaries as well. But your beneficiaries usually
Speaker 1: have an option where they can take a lump sum,
Speaker 1: or they can take it's kind of like a checkbook
Speaker 1: with the insurance company or send them a checkbook, and
Speaker 1: they can just draw off of the insurance policy whenever
Speaker 1: they need the money. But let's say that they actually
Speaker 1: just take the lump sum of one million dollars, the
Speaker 1: million dollars is going to be a tax free million
Speaker 1: that's going to be to your family nine times out
Speaker 1: of ten, so you get a million dollar dollars. So now,
Speaker 1: the worst thing that you can do is just give
Speaker 1: somebody a million dollars with no plan, because we know
Speaker 1: that they're going to blow that million dollars very very easily.
Speaker 2: Right.
Speaker 1: So now, and this is what storm lee or was
Speaker 1: talking about. If you set the million dollars up where
Speaker 1: you can set it up in the trust, or even
Speaker 1: if you don't set it up in the trust, you
Speaker 1: could just give them directions on how to actually invest it.
Speaker 1: And let's say that they just invest the money in
Speaker 1: long term Conservative index fund, right, and they're drawing Let's
Speaker 1: say they draw five percent off of that. Why do
Speaker 1: I say five percent because that the Monte Carlo stimulation
Speaker 1: factor is that if you draw a five percent over
Speaker 1: the court of time, then you'll never run out of money.
Speaker 1: That's like a retirement formula. So if you take five
Speaker 1: percent from a million, that is fifty thousand dollars, right,
Speaker 1: So that's really replacing your income in that scenario. So
Speaker 1: when you look at it from that standpoint, if you
Speaker 1: look at okay, even if you go higher, you'll say,
Speaker 1: even if you take seven percent off of every single year,
Speaker 1: every year, you're taking seven percent off, and that's higher
Speaker 1: for people that's taking money from their accounts. Now you
Speaker 1: have seventy thousand dollars a year. Still, that's still it
Speaker 1: doesn't seem like that much money, right. You're just replacing
Speaker 1: your income pretty much. So it's not like you're so
Speaker 1: if you're making one hundred thousand dollars a year, you're
Speaker 1: probably walking away with sixty five thousand dollars. So if
Speaker 1: you have a million dollar life insurance policy and you're
Speaker 1: joining seven seven percent seventy thousand, you're pretty much just
Speaker 1: replacing your income at that point in time. So this
Speaker 1: is why it's beneficial to have more than And you
Speaker 1: got to realize too, if you're making one hundred thousand dollars,
Speaker 1: then you have a one hundred thousand dollars policy. I
Speaker 1: mean that's just one year. Like you might live for
Speaker 1: what your family's gonna need money for twenty years. Your
Speaker 1: family gonna need money for thirty fifteen years. So it's
Speaker 1: important to think bigger. So that was kind of a
Speaker 1: long answer to the question, but I just want to raction.
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Speaker 1: Because I know if I just say, like you need
Speaker 1: a million dollars worth of insurance, people like I don't
Speaker 1: need a million dollars, Like I don't even have a
Speaker 1: million dollars.
Speaker 2: Why would I need a million dollars?
Speaker 1: Well, eight, that's not the best way to think about it,
Speaker 1: because you want to leave more money than you have.
Speaker 1: But also just from a pure practical standpoint of replacing
Speaker 1: your income, because that's what life insurance is for, You're
Speaker 1: going to need a bigger number to replace what you're
Speaker 1: currently living on.
Speaker 3: Planning for the future because you're going to be older
Speaker 3: a lot longer than you're gonna be younger. But I'll
Speaker 3: ask you this based on your expertise in the field
Speaker 3: and being in the field for over thirteen years. When
Speaker 3: you see an article like that, seeing one hundred billion
Speaker 3: is paid out, I think they said in the article
Speaker 3: like forty six million policies were sold in twenty twenty one,
Speaker 3: which is a six percent increase. However, the actual coverage
Speaker 3: amount has gone down, so like people are getting policies
Speaker 3: that actually less, which is kind of what I was thinking, like, yes,
Speaker 3: are we involved, what type of policies are we getting
Speaker 3: obviously to whole life in terms all those but the
Speaker 3: amounts are going down I think like one and a
Speaker 3: half percent.
Speaker 5: So what does that say to you when you look
Speaker 5: at that?
Speaker 2: What's it again?
Speaker 3: Like reframing question, so pretty much seeing that, seeing these
Speaker 3: statistics right and knowing that more people obviously are you
Speaker 3: looking at it? Is it a courage encouraging sign or
Speaker 3: like all right, you know what? People still don't get it.
Speaker 3: These numbers should be higher.
Speaker 1: Well I don't know if they should be higher, because
Speaker 1: I mean, one hundred billion dollars is a lot of money,
Speaker 1: so and it's an all time record, So I think
Speaker 1: that people are but also we have to understand that
Speaker 1: people are dying too. I think this is like one
Speaker 1: of the first years where the projected life expectancy has
Speaker 1: actually decreased a little bit. So you know, you got COVID,
Speaker 1: you got but outside of COVID, right, you have just
Speaker 1: unhealthy lifestyle for Americans, period, high blood and this is
Speaker 1: this is something that's extremely important. Everything ties in together.
Speaker 1: So when we talk about finance, you have to talk
Speaker 1: about health because the two go together, and especially in
Speaker 1: life insurance conversation, especially with black people. So black people
Speaker 1: traditionally have had at the times getting life insurance and
Speaker 1: have had higher rates. One of the reasons for that
Speaker 1: is because of their medical state. So black people on
Speaker 1: average have diabetes at a higher rate than the regular population,
Speaker 1: have higher cholesterol at a higher rate than the regular population,
Speaker 1: have high blood pressure at the high at a higher
Speaker 1: rate than the regular population, and are over are overweight
Speaker 1: more than the regular population. This is something that is
Speaker 1: extremely detrimental to not only your physical you know, situation,
Speaker 1: but also for your economic situation because now that's going
Speaker 1: to determine if you can get life insurance, if your
Speaker 1: life insurance policy is going to be higher. So that's
Speaker 1: part of the conversation as well. And as far as
Speaker 1: you know, people dying, so when you're planning your financial plan,
Speaker 1: you have to you have to have your life in order,
Speaker 1: and you have to you have to be in shape,
Speaker 1: you have to, you know, take care of yourself. You
Speaker 1: have to eat good. These are all things that you
Speaker 1: know go hand in hand. Your physical health and your
Speaker 1: financial health are usually related. I learned this early on
Speaker 1: when I was first started working in finance. Most successful
Speaker 1: CEOs are in shape. Of course, there's always going to
Speaker 1: be exceptions to the rule, I get it. But if
Speaker 1: you look at if you take a survey, very rarely
Speaker 1: do you see a successful CEO not in shape. The
Speaker 1: two go hand in hand, right, disciplined exactly. So this
Speaker 1: is something that's extremely important to talk about because you know,
Speaker 1: if we're dying, that's bad, but if we're dying and
Speaker 1: not even having any life insurance, that's even worse.
Speaker 3: Yeah, and that's mostly I mean, for a long time
Speaker 3: that was the situation with dying with nothing and leaving
Speaker 3: Like you used to say this to I remember being
Speaker 3: here on the Saturday, cause it'd be like, not only
Speaker 3: are you leaving nothing, but you're actually leaving debt because
Speaker 3: the people who are left behind now have to pay
Speaker 3: for your funeral rule and they didn't have the money
Speaker 3: to pay for it, so now they have to figure
Speaker 3: out how to even afford to bury you. So people,
Speaker 3: I mean, that's why I said, man, that that that
Speaker 3: line of planning for the future is so so so vital,
Speaker 3: especially to our community.
Speaker 5: We have to look at it.
Speaker 3: We have to have the Mantranset mind set to change
Speaker 3: how we view the world and how we view life.
Speaker 3: I remember just even trying to have a conversation about
Speaker 3: life insurance to like my coworkers and they'll be like,
Speaker 3: I'm not thinking about dying, And it's kind of like
Speaker 3: we have this mindset where it's like, if we get it,
Speaker 3: we get life insurance waiting, we're waiting to die. It's like, no, no,
Speaker 3: it's not really. It's just education. That's what it comes
Speaker 3: down to.
Speaker 5: Education.
Speaker 4: And I think it's undeniable that the healthcare space is
Speaker 4: incredibly important, whether it's on the life insurance side or
Speaker 4: the market. That's why companies like United Healthcare, Striker, Eli,
Speaker 4: Lilly are incredibly important. So in some way your portfolio
Speaker 4: does need to have ten to twenty percent exposure for you.
Speaker 4: They get paid throughout your life or post life. So
Speaker 4: please write down what percentage of your capital is going
Speaker 4: to go to life insurance and what percentage is going
Speaker 4: to go to the healthcare sector. You cannot avoid that
Speaker 4: sector at all. But I will say our physical ailments
Speaker 4: and diseases that are problematic in our community are placed
Speaker 4: upon us, not because we are collectively lazy or dog.
Speaker 1: That's true, but then also but also we have to
Speaker 1: there's a certain level of accountability that has to be
Speaker 1: taken because we understand that even traditionally, right we were
Speaker 1: given diets that were detrimental to us, like all it
Speaker 1: soul food is pretty much slaveful that you know, pig feet, octails,
Speaker 1: these are the worst parts of the animal that was
Speaker 1: thrown away and we made They didn't have an option
Speaker 1: they had to make out of their situation. But now
Speaker 1: we're in twenty twenty two. Now we're educated. We don't
Speaker 1: have to make those same decisions. Now a lot of
Speaker 1: times it's done by choice. You're if you're educated and
Speaker 1: you're still making the same decisions about food that slaves made,
Speaker 1: then you gotta look yourself in the mirror. We know
Speaker 1: there's liquor stores on every corner, but who told you
Speaker 1: who made you drink liquor. You know what I'm saying, like,
Speaker 1: at some point in time, there has to be some
Speaker 1: level of accountability to stay the odds is always gonna
Speaker 1: be stacked against us we're black in America.
Speaker 4: But also it's really going to talk about what our
Speaker 4: politicians and allow for. So when I go to Mexico,
Speaker 4: which I can't wait to go and set up by
Speaker 4: place o God, God, it's good. The preservatives that are
Speaker 4: in the food that I eat there are not present
Speaker 4: in the food that I have in the United States.
Speaker 5: So yes, we have to make.
Speaker 4: Delicacies out of parts that were not favorable. But if
Speaker 4: pep See and Hormel and Crafts are putting preservatives and
Speaker 4: extra sodium into everything that we eat, at what point
Speaker 4: when we keep those companies responsible and not just say
Speaker 4: it's the people's job to be responsible for what the
Speaker 4: corporations are doing based on the lobby and powers to
Speaker 4: have that the politicians didn't allow.
Speaker 1: Well, that's true, that definitely the food industry needs to
Speaker 1: be held accountable. But once again, we live in America.
Speaker 1: So you know, it's beneficial to keep people sick. They've
Speaker 1: been hold doctor. True, it's profitable, it's profitable to keep
Speaker 1: people sick.
Speaker 2: It's not to keep us on the normally.
Speaker 4: This is my lane, all right, the situation, I think
Speaker 4: we can do Barclays next year. I don't want to
Speaker 4: get our wings clip. I've ever seen what Dope Sick?
Speaker 3: Is it?
Speaker 5: That's a great movie.
Speaker 1: Yeah, I mean, but one of these things where it's
Speaker 1: like the pharmaceutical industry right where they've made billions of
Speaker 1: dollars and there's no effort to make people healthy. It's
Speaker 1: only efforts to put people on medication. So it's like,
Speaker 1: you know, it's like this. This is a great book
Speaker 1: called How Not to Die, And the whole point of
Speaker 1: the book is that I've caused everybody dies, right, But
Speaker 1: they're saying that ninety five percent of the reasons why
Speaker 1: people die prematurely are preventable, like most cancers are preventable, right,
Speaker 1: and most of it is through your diet. So the
Speaker 1: guy that wrote it was a doctor, and he was
Speaker 1: saying that he stopped practicing medicine because they were only
Speaker 1: teaching people. They were only teaching the doctors how to
Speaker 1: treat patients with medication, but they weren't teaching the doctors
Speaker 1: how to tell the people not to get sick, Like
Speaker 1: you know what I'm saying, Like it's like, Okay, you're overweight.
Speaker 1: Here's blood pressure medication. Why don't you tell them how
Speaker 1: to lose fifty pounds so they don't so they're not overweight,
Speaker 1: Like that's probably more beneficial than treating them. And now
Speaker 1: you got to take this medication for the next thirty years.
Speaker 3: That goes back to the self accountability part. Like two
Speaker 3: months ago, I went to the doctor. They said I
Speaker 3: had high blood pressure. I looked at my wife and
Speaker 3: I said, oh, time to change my life like that
Speaker 3: quick and it was like, all right, let's cut out sodium.
Speaker 5: And that was interesting. We just had this like epiphany.
Speaker 3: But like we for so long we've been taught that,
Speaker 3: you know, like yo, that food.
Speaker 5: Don't have no flavor. Yo, we don't have no flavor.
Speaker 5: And we looked at.
Speaker 3: Other coaches in community, like yo, that's that food is bland.
Speaker 3: That food is bland, no preservatives, and it was like, yeah,
Speaker 3: the reason it is is because there's no salt added.
Speaker 3: There's no sodium added into it. And quickly, like I
Speaker 3: literally watched my like my whole body just change and
Speaker 3: feel different.
Speaker 2: How much weight did you lose damn shy do you
Speaker 2: put me on? Yeah, Like.
Speaker 3: A matter of like I say, about six weeks, I
Speaker 3: probably lost like twenty two pounds, crazy, crazy, And it
Speaker 3: was just it was one of those things where it
Speaker 3: was like we moved so much and so out all
Speaker 3: the time, and we eat bad, and when we do eat,
Speaker 3: it's late, and then we're going to sleep, and so
Speaker 3: we try to get exercise in and it's like it's
Speaker 3: just really inconsistent. But one thing that can be consistent
Speaker 3: is the discipline to say, all right, I'm not doing
Speaker 3: that right. So like I stopped drinking soda, I stopped
Speaker 3: eating candy, I'm only having water, I'm only eating like
Speaker 3: oatmeal for breakfast, and you know what I'm saying, Like
Speaker 3: these are the Like it was just this mindset change
Speaker 3: because I'm looking at myself. Like when I saw it
Speaker 3: the blood pressure red, I was just like nah. And
Speaker 3: then the doctor came in. He was like, yo, if
Speaker 3: we continue this for ten years, you won't be here.
Speaker 3: That's all I needed to hear.
Speaker 5: I didn't. That was it. That was it.
Speaker 3: And so my wife was like, look, this is what
Speaker 3: we're doing. I'm like, bet, let's do it. So yeah, man,
Speaker 3: it goes back to that the education around it and
Speaker 3: having self accountability to say, like I'm willing to stop
Speaker 3: this is it worth me being here for my kids?
Speaker 5: That was it.
Speaker 4: If you guys need a place to go to have
Speaker 4: very healthy food, get your tickets from That's that's uk.
Speaker 5: That ship.
Speaker 2: Boy. But it was interesting.
Speaker 4: I was even at a restaurant and I'm like, hey,
Speaker 4: like what about this is like you Americans are so
Speaker 4: poisoned you don't even know good food. I'm like, Jill,
Speaker 4: but we don't have less preservatives than the ones here.
Speaker 2: But you know, you know what's so crazy.
Speaker 1: I went to Thailand five years ago, and you know,
Speaker 1: I was just eating fruit and just the pineapples and
Speaker 1: every it tastes like I never tasted pineapples before.
Speaker 2: But I realized that's because that was like real pineapps.
Speaker 2: I had.
Speaker 1: I had a milkshake and it tore my stomach up
Speaker 1: because that was like real milk. Like, so we get
Speaker 1: so used to the preservatives and artificial flavoring and everything
Speaker 1: that's in our food. When we go to these other countries,
Speaker 1: that's like real food. Like even our fruit is not
Speaker 1: real food. This is why you got to grow your
Speaker 1: own food. I could have a whole thing about this,
Speaker 1: but I was gonna say like we would. We was
Speaker 1: in Abu Dabi. We were sitting and we're like, yo,
Speaker 1: this food is it? And he was like, Yo.
Speaker 3: The barriers for us to have food in America are
Speaker 3: so low that you can put anything in it and
Speaker 3: it's going to be DEFDA is going to pass Awhayas
Speaker 3: in other countries and other places, they have to have
Speaker 3: legitimate food or it can't be served to the public.
Speaker 3: Not the same here. But we digressed. Health is really healths.
Speaker 3: I appreciate it. You been glowing looking good.
Speaker 4: I know you was tired yesterday, but man, you noah,
Speaker 4: But I do want to give him an ETF really
Speaker 4: quick for the healthcare space. Please write this down a
Speaker 4: VHT that is Vanguard's health ETF. If you go back
Speaker 4: to twenty and seventeen, it was at twenty eight dollars
Speaker 4: and seventy eight cents and it is now at two
Speaker 4: hundred and forty eight dollars in thirty five cent. So
Speaker 4: that's been some nice growth. Twenty twenty was a good
Speaker 4: time to buy in. I'll give you guys a price.
Speaker 4: Everybody in Patterson writes this now six will be a
Speaker 4: good place to enter. It is a little bout in
Speaker 4: Jersey forever. And then are you listening real two O
Speaker 4: six ninety and New York, Because you know, I love y'all.
Speaker 4: You know I just want you to give me that
Speaker 4: that that roud, the loud Harlem energy.
Speaker 5: I love you, I love your idea.
Speaker 1: My graduates from my school being forced back drop, back drop,
Speaker 1: Mike drop, back drop drop