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welcome to the best interest podcast
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where we believe Benjamin Franklin's
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advice that an investment in knowledge
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pays the best interest both in finances
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and in your life every episode teaches
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you personal finance and investing in
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simple terms now here's your host Jesse
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Kramer hello and welcome to episode 79
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of the best interest podcast my name is
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Jesse Kramer I'm excited and honored
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that Phil Pearlman will be joining me
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later today Phil despite spending most
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of his career working in finance related
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fields now dedicates his life to health
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related topics personal health but this
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isn't a personal health podcast it's a
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personal finance podcast but I think
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we'll convince you today to start
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thinking about health as one of the
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ultimate personal finance topics but
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first let's do our customary listener
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review this one comes from Apple
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podcasts I I love reading your reviews
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and and seeing your ratings on Apple
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podcasts or five star ratings on Spotify
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so thank you all for leaving those this
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review comes from Frankie ravs Frankie
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wrote Jesse's five-star podcast is
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appropriate for the nent investor or the
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hardened dollar cost averaging acolyte
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come for the practical wisdom remain for
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the dlet tones and convert dollars into
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long-term soldiers like the heaven Gate
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cult you'll soon be drinking the 401K
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Kool-Aid and accelerating your net worth
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faster than the hail Bop Comet I'll hang
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up and listen well Frankie that was
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quite the unique review thank you very
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much I will certainly remember this one
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and I'm sure potential listeners who
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come see the podcast and see that review
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they'll probably tune in and listen at
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the very least they'll say wow Frankie
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has a unique take on things so Frankie
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thank you so much shoot me an email
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Jesse bestin interest. blog and we'll
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get you hooked up with a bestest t-shirt
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now before we get to fill today I want
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to talk about some interesting
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connections between money and time and
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health you know we know money and time
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share an intrinsic connection that
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really permeates every aspect of Our
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Lives from the most mundane daily
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decisions to the grandest of Ambitions
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and at its core that relationship is
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rooted in a few fundamental concepts one
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of which is opportunity cost which is
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the notion that the value of one choice
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can be measured by what we forego by not
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making a different choice now time as
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the proverbial currency of life it's
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finite it's replaceable and each passing
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moment represents an opportunity to
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allocate our time towards various
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activities whether it's pursuing our
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passions or building a relationship
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perhaps engaging in work and the
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decisions that we make regarding how we
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spend our time are intimately tied to
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our personal values our goals our
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priorities now money on the other hand
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it's a tangible representation of of
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value that enables us to access goods or
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services or to experience some sort of
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fun experiences money serves as a medium
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of exchange allowing us to trade our
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time and our skills for compensation uh
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which we'll come back to that idea money
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acts in some way as a tradeoff for time
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we can convert time into money and we
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can convert money into time and money
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also allows us to acquire the resources
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necessary to fulfill our needs and our
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desires in life however unlike time
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money is renewable it can be earned and
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saved invested and spent now the
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connection between money and time
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becomes particularly evident when we
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consider the concept of earning power in
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a modern economy like ours the value of
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an individual's time is often Quantified
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by their earning potential the wages or
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salaries we receive from our labor those
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reflect not only the skills and the
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expertise we bring to the table but also
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the time we invest in our work now that
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idea right there that's a pillar of the
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financial Independence Movement right
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the value of our time can be Quantified
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in some way by our earning potential our
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future earning potential or spending
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needs in retirement now conversely the
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decisions we make about how to allocate
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our money can have significant
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implications on how we use our time
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wealth provides the opportunity to
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delegate tasks to Outsource
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responsibilities streamline processes
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and that frees up time for other
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Pursuits so there's an instance where we
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take money and we convert it back into
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time right when we're working we take
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time we convert it into money and once
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we have enough wealth we can take our
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money and convert it back into time very
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interesting it goes in both directions
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now Financial constraints on the other
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hand May compel us to devote more time
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to activities like household chores or
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DIY projects or long commutes that could
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otherwise be outsourced or streamlined
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with sufficient resources now the
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relationship between money and time it
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extends beyond the realm of individual
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decision-making to to influence actually
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broader societal structures and Dynamics
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economic disparities for example can
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exacerbate inequalities in access to
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time-saving resources and opportunities
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people with greater financial means they
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may enjoy access to conveniences like
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domestic help or child care services or
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private transportation allowing them to
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reclaim their own precious time for
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their own Leisure or personal
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development or meaningful Pursuits in
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ways that other people in society can't
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really do and it's all a trade-off of
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time and money now ultimately the
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connection between money and time it
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really underscores the importance of
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mindful decision- making in both Realms
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by recognizing the value of our time and
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our resources we can strive to align our
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actions with our priorities to maximize
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our own well-being and ideally to
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cultivate a more fulfilling life whether
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through budgeting or investing in
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experiences or pursuing Financial
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Independence understanding the intrinsic
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relationship between money and time it
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empowers us to make informed decisions
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informed choices that honor both our
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present and our future selves well
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better health decisions can also
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profoundly impact the quality and the
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quantity of our time in the rest of of
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Our Lives when we prioritize our health
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and our well-being we invest in our
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future we enhance our resilience and our
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longevity things like increased lifespan
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right healthy lifestyle choices whether
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it's maintaining a balanced diet or
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exercise or getting enough sleep or
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managing stress those are all associated
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with longer life expectancy and they
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help reduce the risk of chronic diseases
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like heart disease diabetes certain
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types of cancer increasing our
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likelihood of enjoying more years of
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life focusing on Health gets us more
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time and we just talked about how time
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and money really are interchangeable so
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in some sort of weird mathematical way
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maybe with equal signs I'm not exactly
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sure what the equation would look like
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but essentially money equals time but
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Health also equals time so there's some
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sort of uh what is that the transitive
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property the commutative property if a
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equals b and b equals c therefore a
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equals c i I forget what my elementary
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math is but if time equals money
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and health equals money well in then
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some way right there there's a
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connection between all three of those or
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by focusing on health you can increase
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your health span as Peter AA would call
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it health span you can think of that as
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enhanced quality of life good health
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isn't just about living longer it's also
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about living better by adopting habits
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that support our physical or our mental
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or emotional health we just have a a
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simply higher quality of life it means
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experiencing fewer limitations due to
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illness or disability
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and being able to engage fully in the
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activities and relationships that bring
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us joy and fulfillment there's another
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time connection here which could just be
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improved productivity Optimal Health is
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is closely linked with cognitive
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function and productivity when we
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prioritize activities that give us
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better mental Clarity we'll call it
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whether that's exercise or adequate
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sleep or Stress Management we can
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improve and enhance our focus and
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creativity and efficiency it translates
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into accomplishing more in less time
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essentially buying us more time whether
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that's in a professional or a personal
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setting and I also think about enhanced
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relationships good health Fosters
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stronger connections with others by
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enabling us to to show up fully into our
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relationships and when we feel
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physically and emotionally well we're
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more capable of offering support and
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empathy and companionship to our loved
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ones we can invest our own time in
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nurturing those relationships and that
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provides a sense of fulfillment and
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belonging that enriches our lives in a
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way that's really hard to measure and
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that hearkens back to uh the famous
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Harvard Grant study the longitudinal
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study that followed many Boston citizens
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throughout their entire life actually
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and the way that the study summary was
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written it starts out quite simply it
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says happiness in life can be boiled
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down to one thing love not like a
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romance story love we're not talking
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about like the movie Love Actually
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really what we're talking about there is
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relationships that all happiness all
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happy people share share something in
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common and that is relationships so good
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health fostering stronger connections
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fostering those enhanced relationships
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leads to a better happier longer Life by
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making Better Health decisions it's not
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just about adding years to our lives
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it's about adding life to our years
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prioritizing our health and our
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well-being can create conditions for a
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more vibrant fulfilling existence where
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time is not just a measure of quantity
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but also a precious resource to be
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savored and enjoyed to the fullest so as
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we segue right now into the conversation
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with Phil Pearlman I want to keep that
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idea in mind that in some sort of
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nuanced way or some sort of soft way if
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you prefer to be kind of more of the
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creative side of the brain or maybe in
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an actual hard nuts and bolts mathy way
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if you're more on the on the math side
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of the brain health and wealth and time
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are all interchangeable in some way
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shape or form so as Phil and I dive into
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what ends up being mostly a health
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related conversation today sure it's
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about health it's about diet it's about
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exercise it's about stress it's about
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addiction it's about all those kind of
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topics but at its core it's also about
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time and therefore it's also in some way
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about money it's about personal finances
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in that way so I hope you'll keep that
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in mind as we start talking with Phil
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poman here's a quick ad and then we'll
00:10:21
get back to the show every week I send a
00:10:23
quick free email to thousands of readers
00:10:26
that shares three Simple Things One my
00:10:28
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00:10:31
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00:10:33
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00:10:36
chart that explains some important
00:10:38
Concept in the news that week it's a
00:10:40
great primer to boost your financial
00:10:42
knowhow but Jesse I don't want another
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email well this might not be for you but
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I do hear you which is why I make it
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very short sweet and full of only the
00:10:52
essentials a whopping 66% of subscribers
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read my email at least once a month
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they're enjoying it and maybe you will
00:11:00
too you can subscribe for free on the
00:11:02
homepage at bestter interest. blog again
00:11:05
that's a free no strings attached
00:11:07
subscription at bestin interest. blog I
00:11:11
met Phil Pearlman back in December when
00:11:13
I I had a few conversations with him
00:11:14
back and forth because Phil is highly
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respected in the finance space I know a
00:11:18
lot of other for example Financial
00:11:20
content creators who have significantly
00:11:23
you know bigger audiences than the best
00:11:24
interest they're doing some great work
00:11:26
and they would talk about Phil and I was
00:11:28
like oh I wonder who this guy Phil is I
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knew he had a background in finance I
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knew that he was involved in Psychology
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in some way which is very interesting
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behavioral Finance why people make the
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decisions that they make and he had a
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career on Wall Street but everything
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that I saw with people talking about
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Phil had to do with health and so I
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started following Phil I was interested
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in what he was doing I was interested in
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his writing I really like Phil's writing
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some of which we share in the show notes
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below and ultimately I reached out to
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Phil in December because Phil for the
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first time in his kind of new career
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which is health related was offering a
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10-week educational course and I'm the
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kind of person where I've been an
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athlete all my life but I've always
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struggled I'd say on the dietary side my
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whole life where I've never really
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thought too much about what to eat or
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why I should be eating it and thus
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especially with some of my recent career
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change and just the frequent access to
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going out for breakfast going out for
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lunch going out for a drink that kind of
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thing I've put on some pounds in the
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recent couple years and I don't want to
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do it for for my own self you know
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selfish
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I'd rather feel better and and look
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better and then just be healthier but
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also for the sake of my family you know
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I've got a kid coming in June and I want
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to be healthy for my child and it's just
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health is equated to time is equated to
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money it makes sense to get healthy so I
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reached out to Phil and for 10 weeks
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Phil provided some education and we had
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one-on-one calls and I learned a lot
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from Phil and I really enjoy his
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approach which is in some ways simple in
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many ways motivational and I think that
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comes across today and I wanted to get
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Phil on the podcast to share his message
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with you all so without further Ado here
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is Phil
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[Music]
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Pearlman Phil thanks for joining us
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today very excited to talk to you about
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health and how it pertains to wealth and
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maybe I don't want to spend too much
00:13:22
time diving into the nitty-gritty of
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your background but the audience might
00:13:25
appreciate understanding you do have a
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little bit of a finance background from
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an interesting Psychiatry route that
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eventually got to where you are now and
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without spending 10 minutes on it but do
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you mind spending 60 seconds real quick
00:13:37
on on how you got here Jesse Kramer
00:13:40
great to see you great to be here thank
00:13:43
you for having me yeah so I've been
00:13:46
involved in finance for a long time I I
00:13:48
have I ran a hedge fund way back in the
00:13:51
day I went into to finance social media
00:13:55
I'm an investor in a bunch of those
00:13:58
companies and was a early investor in
00:14:01
stock twits and involved with Finance
00:14:03
media for a long time I was in banking I
00:14:06
was a uh marketing director at a large
00:14:09
Bank large Regional and I have been
00:14:13
involved with behavioral economics for a
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long time so I cut my teeth there it was
00:14:17
a behav behavioral hedge fund but I I'm
00:14:20
a psychologist by education so I studied
00:14:24
behavioral economics from the other way
00:14:27
I studied the psychology first the
00:14:29
psychology of decision making I mean I
00:14:32
knew who kman and tersi were years
00:14:35
before they won the you know years
00:14:37
before Conan won the Nobel Prize and he
00:14:39
got famous from decision-making social
00:14:42
psych he was a social psychologist he
00:14:43
was a decision theorist and there's a
00:14:46
whole vein of social psychology that is
00:14:49
choice and decisionmaking which he
00:14:50
helped to invent obviously I went
00:14:53
through my own rebirth and was always
00:14:57
interested in my health and wellbeing
00:14:59
but I didn't take such good care of
00:15:00
myself over the last three years
00:15:04
transition just got out of Finance
00:15:07
completely I still have some Investments
00:15:09
there still involved within doing so I'm
00:15:12
an advisor here for a couple of
00:15:14
companies but I really day-to-day am not
00:15:17
active in finance at all anymore and I
00:15:20
started a company called Pearl Institute
00:15:22
which is focused on helping people get
00:15:23
healthy and the funny thing is half of
00:15:26
my clientele is in the advisor space so
00:15:29
there's a natural relationship there my
00:15:31
network is advisers I know a lot of them
00:15:34
I work with a lot of them and so I have
00:15:36
a lot of clients and I understand what
00:15:38
they're going through and I understand
00:15:41
their perceptions of time perspective
00:15:44
and that's actually a really important
00:15:46
one in the work that I do and with with
00:15:48
advisers in General on the topic of
00:15:51
decisionmaking Phil I mean there there's
00:15:54
so much overlap between personal finance
00:15:56
Finance investing and these Health
00:15:59
topics right and I I think at its core
00:16:02
Health longevity Health span these truly
00:16:04
are personal finance topics because
00:16:07
retiring at 50 isn't great if you're
00:16:09
dead at 60 so let's dive into some of
00:16:13
these parallels between Good Financial
00:16:16
decision-making good health
00:16:18
decisionmaking maybe even we can bring
00:16:20
back some of Conan tersi rip Danny Conan
00:16:23
died last week but what are some things
00:16:26
that come to mind when you're working
00:16:28
with people on moving them towards
00:16:30
health goals that you think have direct
00:16:32
parallels to what listeners will
00:16:34
understand from the the personal finance
00:16:36
goal setting point of view well that's
00:16:38
my whole thing is that health and wealth
00:16:41
how we take care of ourselves how we
00:16:43
take care of our bodies and minds and
00:16:45
spirits and how we take care of our
00:16:47
pocketbook are really the same thing
00:16:51
they're not even parallel they're even
00:16:52
more than they are parallel we're going
00:16:54
to look at the parallels but they're
00:16:56
really at the core they're more than
00:16:58
parallel they're part of the same thing
00:17:01
this is a holistic Enterprise the
00:17:04
integration of health and wealth
00:17:06
personal health and wealth planning
00:17:08
because they're really the same thing
00:17:10
and when I say that what I mean is is
00:17:13
our future selves our future well-being
00:17:17
and our present well-being both are both
00:17:21
equally dependent upon the two in a
00:17:24
complimentary manner so if we're looking
00:17:27
at our what our life is going to be like
00:17:29
25 years from now and we think to
00:17:31
ourselves well am I going to be in good
00:17:33
health am I going to be fit am I going
00:17:34
to be able to do things that I enjoy
00:17:36
that might be a mind and body thing but
00:17:40
then if we say well am I going to have
00:17:42
the financial resources to do those
00:17:45
things then it becomes a financial so
00:17:48
those two things go together like peanut
00:17:51
butter and chocolate or you know
00:17:53
whatever bread and butter pun intended
00:17:56
right don't have don't eat bread it's
00:17:58
not good it's not healthy so that's
00:18:00
really how I see it and we can look at
00:18:03
the parallels so there's so many
00:18:05
parallels one would be planning time
00:18:08
wisdom and planning our today and our
00:18:13
future and then having a balance between
00:18:15
the two because we want to have fun you
00:18:18
know we want to spend money today but we
00:18:20
want to save money for the future and
00:18:21
there is a balance there and we want to
00:18:24
have fun today we want to you know maybe
00:18:28
have birthday cake when our kit turns
00:18:30
three but we also want to be healthy
00:18:33
when we are 65 70 years old and we want
00:18:35
to be able to enjoy that money that
00:18:38
we've saved so there's the balance
00:18:40
between the two that's really a critical
00:18:42
one and then this one maybe even more
00:18:46
fundamental is the fact and you alluded
00:18:48
to this when you alluded to you know
00:18:50
maybe we even talk a little bit about
00:18:51
behavioral economics and that is is that
00:18:54
we have this tendency to we have this
00:18:57
gravity we have this inertia or pool to
00:19:01
make poor decisions in both areas that
00:19:05
we have this tendency to be averse to
00:19:09
some outcomes right so canaman called it
00:19:12
loss aversion and so we will do things
00:19:15
to try to avoid loss aversion and bring
00:19:19
about losses or act irrationally we do
00:19:21
the exact same thing in health and
00:19:24
there's a lot of reasons for it's
00:19:25
complicated but there's some
00:19:26
evolutionary reasons that are really
00:19:28
really interesting thing but there's a
00:19:29
that's a fundamental parallel in the way
00:19:31
we behave we're so close and money and
00:19:34
our health are both so important to us
00:19:37
and when I say money I mean money as a
00:19:39
representation of access to resources
00:19:43
both are so important our ability to
00:19:45
access resources our ability to go out
00:19:47
and buy food and to have clothing and to
00:19:50
live under a roof that has working
00:19:52
plumbing and heat for the winter and our
00:19:55
ability to be able to move our bodies
00:19:58
and feel good and those things are
00:20:00
fundamental to our lives both of them so
00:20:03
it's no wonder that we focus on them and
00:20:07
hold on to them and have such an
00:20:09
emotional attachment to both we have a
00:20:12
tendency to distort and get anxious
00:20:15
about and then misbehave in both domains
00:20:19
I love that you said that Phil and I I
00:20:21
have a question for you now which is
00:20:23
we're recording this on April 12 2024
00:20:26
yeah and here we both are well let's
00:20:28
talk about Phil Pearlman on April 12
00:20:31
2025 one year from now and let's talk
00:20:34
about the probability that that Phil is
00:20:37
here and the conclusions that you draw
00:20:40
from that that realistic fact that Phil
00:20:42
Pearlman is probably going to be here
00:20:44
one day from now do do you know what I'm
00:20:45
alluding to yeah I totally do and I love
00:20:48
this you're turning the hunter gets
00:20:50
captured by the game you're turning this
00:20:53
around this is a question that I often
00:20:54
ask and this is something that I've
00:20:56
written about and this is imagining
00:20:58
ourselves in the future what we'll be
00:21:01
doing and what we aspire to so it's not
00:21:05
just what do I look like in a year and
00:21:08
what am I going to be doing in a year
00:21:10
but it's what do I aspire to be doing in
00:21:13
a year what would I love to be doing in
00:21:15
a year and where would I love to be
00:21:17
here's what I'll tell you I I think I
00:21:19
have this worked out pretty good first
00:21:21
of all I love what I'm doing right now
00:21:24
so I help people get healthier we have
00:21:27
an epidemic in this country we have an
00:21:30
obesity and we have a metabolic Health
00:21:33
epidemic in this country right now and
00:21:36
there are many people out there who have
00:21:38
the means to be healthy and they are not
00:21:42
able to do it and so I help people get
00:21:44
healthy not just for a diet not just for
00:21:48
three months or six months or hey you
00:21:51
know my daughter or my son is getting
00:21:53
married six months from now I'd like to
00:21:55
be able to fit into the tuxedo or what
00:21:58
ever but for Life as a as an identity as
00:22:01
a lifestyle and then I also help people
00:22:05
make decisions and make trans
00:22:07
transitions in their lives and I've been
00:22:09
getting more into more and more into
00:22:11
that as people come to me as I get
00:22:13
referrals and that's more of a life
00:22:15
planning type of a thing executive
00:22:18
planning Executive coaching type of a
00:22:20
thing I love doing that I spent a ton of
00:22:23
years in finance and before that I got
00:22:27
my degree in clinical Psy psychology and
00:22:29
there was that part of me that was a
00:22:30
Helper but I didn't have the capacity to
00:22:33
be a helper because I wasn't taking good
00:22:35
care of myself and you have to get your
00:22:36
own house in order before you can help
00:22:38
other people it's it's a critical thing
00:22:40
right you have to have your own house in
00:22:41
order you know doctor heal thyself and
00:22:44
all that and so I got to this point
00:22:46
where now I'm able to help people and it
00:22:49
is just fantastic I feel inspirational I
00:22:53
learn from them I'm inspired I see
00:22:56
people that have changed their whole
00:22:59
lives based in part on the work we do
00:23:01
together and that part of me has been
00:23:03
reactivated that is an authentic Part of
00:23:06
Me In addition to that I get to focus as
00:23:10
a part of my life on my own Fitness and
00:23:15
my own athletic Pursuits and that is a
00:23:18
part of me that I've rediscovered that
00:23:19
was a huge part of who I was when I was
00:23:23
young it's a part of my authentic self
00:23:25
who I really really am and I get to do
00:23:27
that so
00:23:28
as far as what I'm doing on a day-to-day
00:23:30
basis I can't think of a much of a
00:23:32
change like I'm doing what I love to do
00:23:35
right now do I want to run a 630 mile
00:23:38
yes that's part of it I'll be honest
00:23:40
like I want to do that do I want to get
00:23:43
to a place where I can do 20 pull-ups
00:23:45
yes but you know if I fail at those
00:23:47
crazy Pursuits for a 57 year old I can
00:23:50
live with that but what I really love to
00:23:53
be doing so that's part of it and then
00:23:55
the other part is helping people who are
00:23:57
struggling helping helping people who
00:23:59
want more out of life helping people who
00:24:01
wake up one day and say Hey you know
00:24:03
there's this part of me I'm doing great
00:24:05
over here maybe I have 10 million or 20
00:24:07
million bucks in the bank but over on
00:24:09
this side I am suffering or I'm
00:24:12
struggling or I'm not going to be here
00:24:14
to enjoy it in 10 or 15 or 25 years if I
00:24:17
don't start taking care of myself I I
00:24:19
love the thought process that you walked
00:24:21
me through Phil where we said you know
00:24:24
what and this applies to personal
00:24:25
finance it also applies applies to
00:24:27
Health in the perfect away which is one
00:24:30
year from now there's a a 99%
00:24:32
probability probably even greater that
00:24:34
I'm going to be sitting here a year from
00:24:36
now and that version of Jesse except for
00:24:39
that tenth of a percent probability that
00:24:41
something bad happens is just as real as
00:24:44
the Jesse who's sitting here today and
00:24:46
the Phil one year from now is just as
00:24:48
real as the Phil that's sitting here
00:24:49
today and for all you listeners the
00:24:51
version of you one year from now is just
00:24:54
as real as the version of you today sure
00:24:56
except for some tiny percent that
00:24:58
something terrible happens but when you
00:25:00
sit down if I were to sit down this
00:25:01
morning and say you know what you only
00:25:03
live once you never know when that bus
00:25:05
is going to come and and hit me off the
00:25:07
sidewalk I'm gonna go eat a dozen Crispy
00:25:09
Cream Donuts well that's a poor decision
00:25:12
for many reasons one of which is it it
00:25:14
ignores the fact that future me is very
00:25:17
very real and future me does not benefit
00:25:20
from that decision and similarly when
00:25:22
someone thinks about well you never know
00:25:25
I might get hit by that bus so even
00:25:26
though I'm in terrible Financial shape
00:25:29
I'm gonna go take an all-inclusive trip
00:25:30
to Bermuda you can't just YOLO it and
00:25:33
you you really are hurting your
00:25:35
long-term prospects can you talk us
00:25:36
through some of that perspective Phil
00:25:38
about that realization of that future
00:25:41
you is real and we have to admit that to
00:25:44
ourselves well you did a pretty good job
00:25:46
of explaining it I appreciate that the
00:25:48
Multiverse is real right so my kids
00:25:51
watch all those movies the spiderverse
00:25:54
there were two of those spiderverse
00:25:55
movies and in the movies there's like 50
00:25:58
different Spider-Mans in the second one
00:26:01
they all meet at this place where
00:26:02
there's like hundreds of them running
00:26:04
around and there's parallel universes
00:26:06
that's this fantasy and a lot of times
00:26:09
the great science fiction writers are
00:26:12
commenting on the world we live in and
00:26:15
the funny thing is is that the
00:26:17
Multiverse is real there are multiple
00:26:21
selves that exist there's you talking to
00:26:25
me right now in the present and there's
00:26:27
me talking to you that's one self that's
00:26:29
one Jesse and it's one Phil and then
00:26:33
there is with a small discount for
00:26:37
getting hit by a bus or getting a brain
00:26:39
tumor tomorrow chances are a year from
00:26:42
today Phil pran's going to wake up gonna
00:26:46
get out of bed gonna go to the bathroom
00:26:48
take a pee brush his teeth pull on some
00:26:51
some pants and go about his day
00:26:55
99.8% chance so that person is also real
00:26:59
that sun will rise just because it's in
00:27:01
the future doesn't mean it's any less
00:27:03
real maybe 2% less real than the me that
00:27:08
woke up this morning and did the exact
00:27:10
same thing and then there's the one
00:27:12
three days from now and then there's the
00:27:13
one tomorrow and then there's the one 10
00:27:16
days from there and so given that all of
00:27:19
those sells are real and then there's
00:27:22
the 125 years from now I want to be I
00:27:24
want to be healthy then and so all of
00:27:27
those elves as we imagine those we have
00:27:31
this tendency that the longer time goes
00:27:34
out and this is why I love working with
00:27:36
advisors because they have a great sense
00:27:38
of time perspective I went to a
00:27:40
financial advisor and he said to me and
00:27:43
my wife so what would you like your life
00:27:46
to look like in 20 years and that day I
00:27:50
created a notebook called the beach
00:27:52
house notebook and it was like okay and
00:27:55
I put right on the front I got it
00:27:56
sitting right over there it's the beach
00:27:57
house notebook and that is The Notebook
00:28:00
where I keep notes about what I have to
00:28:03
do and what the financial plans are and
00:28:06
what my life plans are to have this
00:28:08
beach house in the future and that is an
00:28:12
advisor thing so advisors have a very
00:28:16
strong we're are preaching to the choir
00:28:18
right now advisers have a very strong
00:28:21
sense of time perspective and so it made
00:28:23
it a very n and that's why it maybe
00:28:25
resonated with you and I'm able to work
00:28:28
work with people like that one problem
00:28:29
that humans have is the further we go
00:28:31
out in the future the harder a time we
00:28:34
have imagining ourselves we begin
00:28:38
thinking of ourselves as a different
00:28:40
person and so what I want to do is I
00:28:42
want to pull you away from that and if I
00:28:45
get you imagining your future self
00:28:47
whether it's that one year that you're
00:28:49
talking about or whether it's 10 or 15
00:28:51
or 20 years from now if I get you
00:28:53
imagining that future self in a very
00:28:56
Vivid manner visualizing ing it deeply
00:28:59
looking at the details what does my hair
00:29:01
look like what do I look like what am I
00:29:03
wearing how do I feel who am I with what
00:29:07
am I doing that day what where are my
00:29:10
kids and what are they doing if I do it
00:29:12
very vividly then that other person of
00:29:16
it that that begins to fade and the same
00:29:19
person hey that's me that I'm thinking
00:29:22
about that's me that I'm imagining
00:29:24
that's me that I'm talking about so it
00:29:27
really really makes the Multiverse real
00:29:30
and it is real it's just that we've had
00:29:32
a hard time we think of it as science
00:29:34
fiction or fantasy we don't realize that
00:29:38
the Multiverse is real I saw something
00:29:40
recently Phil talking about all that
00:29:42
visualization they're even taking it a
00:29:44
step further and I think there was some
00:29:46
research cited that even said that
00:29:48
they're using AI so they'll take a photo
00:29:51
let's say you submit a photo of yourself
00:29:52
Phill and then AI is obviously smart
00:29:55
enough and helpful enough that it'll
00:29:57
take your picture and say let's age fill
00:29:59
by 5 years 10 years 20 years and seeing
00:30:02
a picture of yourself in the future even
00:30:05
if it's not perfectly accurate it's
00:30:06
going to look like you plus 20 years
00:30:08
that is also helpful to say like oh yeah
00:30:11
that is me and that is really what I'm
00:30:13
probably gon to look like and it helps
00:30:15
people get get in that mindset perfect
00:30:18
and then the thing is and this is a
00:30:20
critical component of it what do you do
00:30:23
with that so you look at that picture
00:30:24
and you go oh I look old what are you
00:30:26
going to do with that now right what are
00:30:28
you going to do with those thoughts what
00:30:30
are you going to do with this
00:30:31
realization that the Multiverse is real
00:30:33
and that your future you is a 99.8% as
00:30:37
real as the U right now what are you g
00:30:39
to do with that and then you can begin
00:30:41
crafting a vision for that person one of
00:30:44
the things that really inspired me doing
00:30:46
this work right so I was very familiar
00:30:49
with this work this is IM called
00:30:50
imaginal work in the psychology World
00:30:54
hey we're going to do imaginal exposure
00:30:56
if you're scared of a bridge we're going
00:30:58
to have you close your eyes and imagine
00:31:00
that you're going near a bridge you're
00:31:01
going over a bridge and then your heart
00:31:03
starts racing if you're doing a good job
00:31:05
imagining it so now what I want to do is
00:31:08
I want to flip that upside down and I
00:31:09
want to say I want to imagine that
00:31:11
future self vividly not a photo I mean
00:31:15
the photo is helpful because it makes it
00:31:17
real I get that and we're visual animals
00:31:19
but I want to imagine for myself who I
00:31:22
aspire to be what would I love to be
00:31:24
doing so when you ask me that question
00:31:26
what I love to be doing in a year here
00:31:28
it was like well exactly what I'm doing
00:31:30
now plus I can run a 630 mile like
00:31:33
that's pretty much it that's where I
00:31:34
want to you know like that I don't have
00:31:36
too much else to change but that ability
00:31:38
to do that you know so if everybody
00:31:40
listening today or if somebody listening
00:31:43
today even if it's only one or three of
00:31:45
the listeners stops when they're done
00:31:48
with this uh podcast and takes a few
00:31:51
minutes to jot down on a piece of paper
00:31:54
or in a Google doc what they would love
00:31:58
life to look like in a year or in 10
00:32:00
years or 20 years or on quote unquote
00:32:03
retirement and really be Vivid about it
00:32:05
really take some time or maybe wait till
00:32:07
the weekend maybe they're listening to
00:32:09
this on a Thursday and say you know I'm
00:32:10
gonna wake up Saturday morning fresh
00:32:12
mind and I'm GNA take a half hour or an
00:32:14
hour and I'm really going to think about
00:32:16
where I would love to be and I'm going
00:32:18
to do it with a lot of vividness really
00:32:21
gonna let my mind go there and stay
00:32:23
there for a bit turn off my phone that
00:32:26
to me is an exercise it is a very
00:32:29
powerful exercise and it will affect us
00:32:34
as soon as we're done like once we've
00:32:35
done that exercise no matter what we do
00:32:38
the next day will'll be altered by it
00:32:41
we'll be there'll be a shift just from
00:32:44
that here's a quick ad and then we'll
00:32:46
get back to the show one of the more
00:32:48
common questions I hear is Jesse what do
00:32:51
you like in use books blogs podcasts
00:32:53
even Banks and brokerage firms what are
00:32:56
your recommendations so to answer that
00:32:58
question I put together a web page you
00:33:01
can check it out at bestin interest.
00:33:03
blog reccommendations again that's
00:33:06
bestin interest. blog reccommendations
00:33:10
to check out how I'm improving my
00:33:12
financial life in the personal finance
00:33:14
space there's so many different opinions
00:33:16
flying around you know here on the best
00:33:18
interest we talk about Smart Financial
00:33:20
Planning very much a long-term
00:33:22
Diversified investing mindset keeping
00:33:24
things simple for long-term great
00:33:27
results but at the same time there are
00:33:28
blogs and podcasts out there that are
00:33:30
preaching crypto you know there blogs
00:33:32
and podcasts there's Dave Ramsey I mean
00:33:34
so many different opinions flying about
00:33:36
and that's a parallel to the health
00:33:38
industry or the personal health industry
00:33:39
from my point of view there's so many
00:33:41
different opinions flying about you know
00:33:43
I don't want you to have to spend an
00:33:45
hour talking about everything you
00:33:46
believe in and why but I'm just curious
00:33:49
how did you hone in on your particular
00:33:51
Health viewpoints and do you mind just
00:33:53
sharing a couple or a real quick brief
00:33:55
description of your your foundational
00:33:57
Health beliefs first of all I was a
00:34:00
scientist so I became a
00:34:02
psychologist and I learned a lot about
00:34:05
science social science and I have
00:34:09
scientists good scientists need to be
00:34:11
skeptical and I think I have a little
00:34:13
bit more than skepticism I love science
00:34:17
but I hate scientists and I think that
00:34:20
they are bound by all of these
00:34:24
biases that
00:34:26
canamy eluc dated literally 50 years ago
00:34:29
I mean that P that paper was published
00:34:31
in
00:34:32
74s juristic and biases so that's 50
00:34:36
years they're Bound by the same thing so
00:34:38
I think that there's a lot of BS
00:34:41
especially in the social science
00:34:43
Community but in all science or I think
00:34:45
there's a lot of bsers and so I have a
00:34:49
contempt so I was Resolute to come to my
00:34:52
own
00:34:53
conclusions and so I built a model that
00:34:57
I call
00:34:58
the Pearl scientific method that goes
00:35:01
like this I am the chief
00:35:04
scientist and the sole subject the only
00:35:08
subject in the most important scientific
00:35:11
experiment that I will ever be involved
00:35:13
in and this is a longitudinal experiment
00:35:16
which means it continues over time as
00:35:18
opposed to cross-sectional which is just
00:35:20
a snapshot at any one moment it
00:35:22
continues over time for my life and I'm
00:35:25
going to learn by what works for me I'm
00:35:29
going to try things and see what works
00:35:34
and then I'm going to cut out things
00:35:36
that don't work and I'm going to amplify
00:35:40
things that do work and that is just I'm
00:35:43
the scientist I'm the subject I am
00:35:46
studying myself and I have found that
00:35:50
some things that were conventional
00:35:52
wisdom were utter garbage like the food
00:35:56
pyramid that we learned about forever
00:35:59
since we were kids in school and we walk
00:36:01
into Miss adelberg's class in fifth
00:36:04
grade and she hands us this laminated
00:36:07
food pyramid and we see that we're just
00:36:10
supposed to you know the bottom of the
00:36:11
pyramid is
00:36:13
Breads and muffins and rice and that
00:36:18
food is not the food we should be eating
00:36:20
the most of we're living in a world
00:36:23
where we have obesity is an and
00:36:25
metabolic health is an epidemic met
00:36:27
illness and the reason is because we eat
00:36:30
too much of this garbage we eat too much
00:36:33
when we eat carbohydrates our body takes
00:36:35
it in turns into sugar immediately and
00:36:37
then if we don't use it for energy it
00:36:39
turns into fat and it winds up right
00:36:42
here on our in our waistline the bad
00:36:45
kind of fat and right here in our jows
00:36:48
and we get heavy and that is bad that
00:36:51
affects us in many ways it affects our
00:36:53
blood pressure it affects us it affects
00:36:55
our internal organs and our function
00:36:58
it affects everything it affects our
00:36:59
energy level stress tolerance mood
00:37:03
everything and lifespan Health span and
00:37:06
so I discovered for myself in this one
00:37:09
area that eating a lower carbohydrate
00:37:12
diet I began to get lean I lost 50
00:37:14
pounds I gained a huge amount of energy
00:37:17
my mood got better my ability to
00:37:19
tolerate bad things coming at me
00:37:22
improved I also stopped drinking as part
00:37:24
of it a huge part of it but those two
00:37:26
things together and so I'm a science
00:37:29
that's my model I'm a scientist I'm the
00:37:32
subject I'm going to read new texts and
00:37:37
new ideas and different points of view
00:37:40
with curiosity and then I'm going to try
00:37:43
certain things that resonate with me and
00:37:46
then I'm going to make decisions about
00:37:48
whether I continue them or extinguish
00:37:50
them based on my observation of myself
00:37:54
how I feel how it works for me some of
00:37:58
what you shared with us in your class
00:37:59
fill was was very helpful I mean some of
00:38:01
the lessons that you learned in your own
00:38:02
experiment and and you encouraged us to
00:38:05
all run our own experiments as well I
00:38:07
mean that I guess that's another
00:38:08
parallel here which is you know I can
00:38:10
sit here and talk about Diversified
00:38:12
lowcost passive Investments and positive
00:38:14
monthly cash flow simple advice
00:38:17
sometimes hard to implement for people a
00:38:18
lot of the stuff that you talked about
00:38:20
too there's no silver bullets there's no
00:38:22
magic formulas there's no magic
00:38:23
supplements a lot of it was just simple
00:38:26
advice applied in a smart way over a
00:38:29
long period of time getting to good
00:38:31
results so what happens over time when
00:38:33
you become your own scientist and your
00:38:35
own subject is you discover who you are
00:38:38
and you discover how you feel and as you
00:38:41
do that you realize that you have a
00:38:43
personality and that you have a style
00:38:46
and so that carries and I notice that
00:38:50
many of the most successful advisers
00:38:52
have nishas they work with a specific
00:38:55
type of client whether it's an age group
00:38:58
or whether it's former athletes or
00:39:01
whether it's former entrepreneurs who
00:39:04
have you know had a a liquidity event
00:39:07
the best advisors not all but they have
00:39:08
these niches and the best advisors I
00:39:12
think found those niches Honestly by it
00:39:17
being a reflection of themselves in some
00:39:20
way so one guy that I know that works
00:39:23
with entrepreneurs is one of the best
00:39:25
entrepreneurs that I know and one of the
00:39:27
guys that I know who works with a
00:39:30
athletes and former athletes was a great
00:39:33
College athlete and D want and so that
00:39:36
is a real honest way of coming to this
00:39:40
and I think that's a way that you
00:39:42
develop whether you're an advisor or
00:39:45
whether you're pursuing your own health
00:39:47
whether it's personal health or personal
00:39:48
wealth where if you cultivate that for
00:39:52
yourself and identify that and go
00:39:55
through that process of discovering Who
00:39:56
You Are are at that point you really
00:40:00
have an in in terms of what type of work
00:40:03
you're going to do with clients because
00:40:05
it becomes an authentic Endeavor it
00:40:07
becomes something where you share an
00:40:09
interest that is really your thing so
00:40:13
that when that person talks to you you
00:40:14
know exactly what they're talking about
00:40:17
and when you give them advice that
00:40:19
advice is coming from a place that is
00:40:21
coming from inside yourself so when I
00:40:23
talk about hey here's the process I went
00:40:25
through not everybody's is going to be
00:40:28
resonate with that you know I'll have a
00:40:30
client here or there and there's people
00:40:32
out there where it's just like listen
00:40:34
Phil just tell me what to do I don't
00:40:36
want to go through a discovery process I
00:40:37
just want a set of rules I've adapted to
00:40:40
be able to work with those kind of
00:40:41
people too because they're actually very
00:40:42
easy to work with right they're just
00:40:44
like okay I'm gonna tell you what to do
00:40:45
and you're gonna do that thank you very
00:40:47
much it's great everybody success when
00:40:49
everybody's happy but let's dip that's
00:40:50
not my bread and butter because that's
00:40:53
not who I am and what I went through and
00:40:55
now I read something that you wrote
00:40:56
recently Phil where you talked about
00:40:58
what gont tag Fahrenheit 451 being a
00:41:02
rebel as we record this on April 12th I
00:41:04
actually shared your article this
00:41:05
morning with my newsletter so listeners
00:41:07
if you're a subscriber of the best
00:41:08
interest newsletter you can go to bestin
00:41:10
interest. blog and subscribe it's
00:41:12
totally free you might have seen Phil's
00:41:13
article this morning but let's talk
00:41:15
about that Phil let's talk about
00:41:17
addiction culture let's talk about being
00:41:19
a rebel what am I making you think of
00:41:21
right now about the society that we're
00:41:24
living in now are we living in a
00:41:27
dystopia I don't think we are but I do
00:41:30
think that we share some characteristics
00:41:34
and the big difference right now you
00:41:36
mentioned guyon talk and that's why I'm
00:41:38
talking about dystopia and I'll get into
00:41:40
it and I really appreciate you asking me
00:41:42
about this because I a lot I've been
00:41:43
thinking about like crazy I'm going to
00:41:45
do my own video on this called are we
00:41:48
living in a dystopia and the answer is
00:41:49
no but we do share a lot of
00:41:51
characteristics and the big difference
00:41:54
the reason that we're not living in a
00:41:55
dystopia right now even with all the
00:41:57
things that are sort of wrong is because
00:41:59
we're not forced for those who don't
00:42:02
know dystopia is sort of this
00:42:04
nightmarish world right so like 1984
00:42:08
where there's Big Brother watching
00:42:10
everything you do and you have to behave
00:42:11
in a certain way or Fahrenheit 451 where
00:42:15
they're burning all the books making you
00:42:17
watch TV so everybody's thinking the
00:42:19
same way and not thinking really not
00:42:22
being themselves anymore or Brave New
00:42:25
World where the government just makes
00:42:26
you so comfortable you have this they
00:42:29
give you drugs and give you a Soma
00:42:31
holiday so you're high out of your brain
00:42:33
and you just think you're enjoying life
00:42:35
but you're not really living those are
00:42:37
forced so you have no choice and that is
00:42:41
the one component of a distopia that we
00:42:43
are not experiencing right now but if we
00:42:47
look at a lot of the data of our country
00:42:52
we see that a lot of things are going
00:42:54
poorly we see that there's a lot of
00:42:56
addiction
00:42:57
we see that suicide rates are going up
00:43:00
we see that depression is skyrocketing
00:43:02
we see that poor health is increasing we
00:43:06
see that obesity is on the rise like
00:43:09
crazy we see diabetes and heart disease
00:43:12
are all Rising we see despite all of the
00:43:17
new technology that we have the average
00:43:20
lifespan in this nation has not only
00:43:22
leveled off but has begun to contract so
00:43:27
so potentially our children will be the
00:43:29
first generation in the history of this
00:43:30
nation where they can expect to live a
00:43:33
shorter life than their parents than us
00:43:37
given the level of technological
00:43:40
advancement and knowledge that we have
00:43:42
that is an astounding contrast and so
00:43:46
yes I think there are some significant
00:43:48
problems and one way to quantify that
00:43:51
very easily is to look at all the
00:43:54
different types of addictions alcohol
00:43:56
addiction
00:43:57
Fentanyl and prescription drug addiction
00:44:01
drug addiction porn addiction access by
00:44:05
the way to all of these things gambling
00:44:07
addiction we can just pick up our phones
00:44:10
when I was a kid you had to go to Vegas
00:44:13
to gamble or you had to know a bookie
00:44:15
that was illegal in some bar now you
00:44:18
just pick up a thing download DraftKings
00:44:20
and you gambling on every aspect you
00:44:22
know I can pull up the Masters right now
00:44:25
it's round two of the Masters and I can
00:44:27
bet on one guy's round is he going to
00:44:30
par the 11th so access has been gasoline
00:44:33
so we live in this hyper addictive
00:44:35
culture where our health is getting
00:44:37
worse and so the thing about it is
00:44:40
though that all of that data is mean
00:44:45
data in other words all of that data is
00:44:47
looking at the group is looking at the
00:44:50
collection it's looking at these large
00:44:52
samples but we are individuals right so
00:44:55
there are outliers in that data and we
00:44:58
are individuals so we can be the outlier
00:45:02
we have choices to make and so in one
00:45:05
way the mean data is meaningless so it
00:45:09
doesn't have meaning for us if we choose
00:45:13
if we go along with this inertia of the
00:45:17
current of our culture that is not a
00:45:19
good thing if we decide to be a rebel to
00:45:23
be subversive and to behave in our own
00:45:26
best interest
00:45:27
despite this way so when I mentioned guy
00:45:31
monag guy monag was a fireman in
00:45:35
Fahrenheit of 451 and the firemen in
00:45:38
Fahrenheit
00:45:39
451 were paid to not to put out fires
00:45:43
they were paid to burn books bur so they
00:45:47
were paid to cause fires what happens
00:45:50
with kont he's a fireman right he goes
00:45:52
around and they find these Heretics who
00:45:55
are hiding books
00:45:57
thorough and
00:45:59
Shakespeare and you know all the great
00:46:02
authors of choser and Heming way and
00:46:07
bakov and doeski they go find the houses
00:46:10
they arrest the people and they burn
00:46:12
down the house with the secret libraries
00:46:14
behind the wall he has this moment where
00:46:18
he's like wait a minute what are we
00:46:19
doing here I haven't even ever read one
00:46:21
of these books he has an Awakening he
00:46:23
becomes a rebel he becomes one of those
00:46:26
people that he used to be persecuting
00:46:29
and he Rebels against the system that is
00:46:32
a dystopic system and what a great
00:46:36
character man guy Monta you know I just
00:46:39
love him and there was a great movie
00:46:41
version 1966 movie version with just
00:46:44
this great you could find it in fact
00:46:47
somebody that I somebody that emailed me
00:46:49
a reader emailed me afterwards and they
00:46:51
said they found it they found the full
00:46:53
movie on Vimeo so if you're watching
00:46:55
this today and you're looking for for
00:46:57
this incredible 1966 version of and the
00:47:01
book is great by the way too Ray Brad
00:47:03
obviously one of the great great books
00:47:05
of all time if you're looking for a copy
00:47:07
of this movie you could find it on Vimeo
00:47:11
we'll do our best to find it we'll do
00:47:12
our best to include it in the show notes
00:47:14
at the very least we will include your
00:47:15
article in the show notes Phil and
00:47:17
listeners Phil thank you for choosing to
00:47:19
be here today listeners thank you for
00:47:21
choosing to listen in and Phil let's end
00:47:24
with this tell us what's the latest
00:47:25
what's going on at Pearl Institute
00:47:27
what's going on at Prime Cuts how can
00:47:29
people reach out to you work with you
00:47:32
read your stuff listen to your videos
00:47:34
yeah you know you could just shoot me an
00:47:36
email at Pearlman
00:47:39
gmail.com or you could find me on
00:47:41
Twitter at PE Pearlman or you can go to
00:47:43
my website Pearl
00:47:45
in.com the Pearl Institute basically
00:47:48
what I do is I help people you know as
00:47:51
tho said suck the marrow out of life I
00:47:54
help people live I help people get get
00:47:57
healthy I help people make decisions in
00:47:59
their own best interests I help people
00:48:01
be subversive bastards sometimes and
00:48:05
really get themselves healthy mind body
00:48:07
and spirit it's what I dedicated my own
00:48:09
life to Chang my whole life Chang my
00:48:12
relationships with my family changed the
00:48:14
way I conduct business got back to who I
00:48:17
am you could find me a Prime Cut
00:48:20
substack you're going to put the link
00:48:21
out there and what I'm doing is I'm just
00:48:24
pursuing that that's all I'm doing like
00:48:26
I'm just I want to help people I do have
00:48:28
a.org where I am doing some pro bono
00:48:32
work with people in my own Community who
00:48:35
can't afford me I'm a little bit
00:48:36
expensive which I really love doing that
00:48:39
because there's people out there who are
00:48:42
struggling there's people out there who
00:48:44
maybe don't have the means to afford me
00:48:47
but they are struggling they're trying
00:48:49
but maybe they don't know how or maybe
00:48:51
they are caught somewhere you know
00:48:53
snagged in a net or by a fish hook
00:48:56
somewhere
00:48:57
I really really enjoy that because these
00:48:59
are people that I go out into my
00:49:01
neighborhood and I see and I go out into
00:49:03
my community and I see so I've been
00:49:05
doing some of that too you know as a
00:49:07
matter of fact you asked me where I'd
00:49:08
like to be a year from now five years
00:49:09
from now I'd like that to be more and
00:49:11
more if I'm 820 now PE institute.com and
00:49:15
and PE institute.org I'd lik it five
00:49:18
years from for that to be 20180 that's
00:49:20
awesome we will share all those links in
00:49:22
the show notes and Phil Pearlman thank
00:49:25
you so much for joining us today on the
00:49:27
best interest podcast Jesse love you bro
00:49:30
and I'm just so happy to be here I'm so
00:49:32
proud of you
00:49:34
too thanks for tuning in to this episode
00:49:36
of the best interest podcast if you have
00:49:39
a question for Jesse to answer on a
00:49:40
future episode send him an email at
00:49:42
Jesse bestin interest. blog again that's
00:49:46
Jesse bestter interest. blog did you
00:49:49
enjoy the show subscribe rate and review
00:49:52
the podcast wherever you listen this
00:49:54
helps others find the show and in inv in
00:49:57
knowledge themselves and we really
00:49:58
appreciate it we'll catch you on the
00:50:00
next episode of the best interest
00:50:05
podcast the best interest podcast is a
00:50:08
personal podcast met for education and
00:50:10
entertainment it should not be taken as
00:50:12
Financial advice and is not prescriptive
00:50:14
of your financial situation