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Welcome to personal finance for
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long-term investors, where we believe
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Benjamin Franklin's advice that an
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investment in knowledge pays the best
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interest both in finances [music] and in
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your life. Every episode teaches you
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personal finance and long-term investing
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in simple terms. Now, here's your host,
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Jesse Kramer. Welcome to Personal
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Finance for Long-Term Investors, episode
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122. I'm Jesse Kramer. By day, I work at
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a fiduciary wealth management firm
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helping clients nationwide. You can
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learn more at bestinterest.blog/work.
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[music]
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blog back/work. The link is in the show
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notes. By night, I write the best
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interest blog and I host this podcast. I
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also put out a weekly email newsletter,
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all of which help busy professionals and
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retirees avoid mistakes and grow wealth
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by simplifying their investing, their
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taxes, and their retirement planning.
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And happy holidays to you listening. You
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might be listening to this on the
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Wednesday of Thanksgiving Eve, or maybe
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on Thanksgiving itself as you drive to
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your uncle Rick's house. Or heck, maybe
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my voice has already put you to sleep
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and you're enjoying your well-deserved
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post turkey nap. Today I'm welcoming
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Phil Pearlman back to the podcast to
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remind us that health and wealth are two
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sides of the very same coin and that
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these next five weeks, yes, these next
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five weeks are certainly full of mirth,
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full of friendship and family, but they
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also happen to be, at least here in
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America, the unhealthiest period of our
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entire years. And Phil will share some
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pretty compelling data on that front.
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And because long-term health and
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long-term investing and long-term
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finances have so many parallels, I
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wanted to spend some time today talking
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specifically about health. But first, a
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quick review of the week from Sou Falls,
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who said, "Jesse is a rock star.
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Recently, I listened to Jesse's
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explanation on Bitcoin, and for the
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first time, I feel like I'm getting to
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understand it. Not that I wanted to
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invest in it, lol. But the way he
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explains the various topics of personal
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finance and goals and how to achieve
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those goals gives me huge motivation.
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Thank you, sir." Well, Sou Falls finest,
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you know the drill. Thank you very much
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for the kind words. I'd be happy to send
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you a supersoft podcast t-shirt. So,
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please drop me an email to jesse@b
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bestinterest.blog so I can get that sent
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out to you. Before Phil joins us, I
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wanted to give you some inspirational
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willpower to say no to that third slice
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of peon pie today or tomorrow or
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whenever you're listening to this. This
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is an article I've read here on the
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podcast before, but it feels right to
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read it again. And the article is
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called, "Do you have a deeper yes?" And
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it comes from a podcast that I was
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listening to from Michael Kitsis and
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Carl Richards, two fantastic financial
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planners who who kind of share some
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wisdom on their podcast about kind of
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what it's like to be a financial
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planner, what it's like to be working
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with clients, and I always learn
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something new from them. And Carl on one
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episode asked a very compelling
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question. And the question is pretty
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simple. What's one thing that you do
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regularly that you'd like to stop doing?
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And I'd almost pause and put this on you
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listeners right now. What's one thing
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that you do regularly that you'd like to
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stop doing? And each of our answers will
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vary. It could be a destructive habit, a
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simple bad unhealthy behavior, maybe
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just wasting time, right? Lots of us
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have bad habits where we waste time that
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we wish we could stop doing it. And as I
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listened to their conversation, Carl
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eventually he posited that in a very
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effective strategy of saying no, that it
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becomes much easier to say no, I should
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say, when you have a deeper yes. Saying
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no becomes much easier when you have a
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deeper yes. And Carl used the example of
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a client of his who chose not to pay for
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an expensive parking spot at work cuz
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you know he he could park close to work
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and he'd have to pay for that. So
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instead of paying for that expensive
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parking spot, he took the would-be
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parking money and he parked it. Get it?
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He parked it into a bank account. And
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then every few months those monies would
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grow enough that he would pay for a
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family dinner at a nice restaurant. And
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for him, family meals at that nice
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restaurant were a much deeper yes than
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the parking pass. It made saying no to
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parking pretty easy in that case. And
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Kitsus, Michael Kitsus and Carl
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Richards, they're both these celebrity
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financial planners as I mentioned. So,
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their message is certainly tailored to
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other financial planners like me. Early
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on in most planners careers, we're
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incredibly excited by the opportunity to
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work with any clients. And I felt this
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acutely potentially because I'm a
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latecomer to the industry and a career
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changer. But like all good businesses
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and all good business owners, we need to
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ask, what does my ideal client look
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like? For me, it's an individual or
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family who needs my help, right? They
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want to delegate their financial
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planning to an expert, regain more time
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in their own lives. They value my help.
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They understand the benefit of getting
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this stuff right and the cost of getting
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it wrong. It's someone who's enjoyable
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to be around, right? I don't want to
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work with jerks, and I hope my clients
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share that value with me. And last, it's
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someone who can pay for my help. The
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Best Interest blog, this podcast,
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personal finance for long-term
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investors, there will always be free
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resources. My goal is to keep these
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totally free resources, and I love the
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fact that they're free, but they survive
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because paying clients who meet all the
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criteria I just listed out. They seek me
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out. When readers or listeners refer
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people in your lives to come work with
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me, when people like you listening refer
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your friends and family to come work
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with me, you're making this whole
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enterprise possible. So, I really do. I
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have a a ven diagram. I'll link it in
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the show notes. I have a ven diagram of
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these four intersecting circles. needs
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my help, values my help, can pay for my
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help and enjoyable to be around. And at
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the middle of that intersection is an
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ideal client. And my my time and my
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bandwidth are finite. So if I say yes to
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a non ideal client, someone outside of
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the center intersection, I'm exhausting
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my limited bandwidth and I'll eventually
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run out of that bandwidth completely and
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eventually I will be forced to say no to
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people even when they are my perfect
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ideal client. So, my deeper yes for me
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in this case is my truly ideal clients.
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They are out there and they're worth
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waiting for. And while it's certainly
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hard to say no to people who want my
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help right now, it's easier to say no if
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I know there's a deeper yes out there.
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If I know that there's an ideal client
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out there waiting. Plus, I can refer
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those nos to other fiduciary fee only
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adviserss who have a different deeper
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yes than my own. And listening to Kits
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and Carl and at least for me too, we're
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applying this deeper yes idea to
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financial planning and to our clients.
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We should also apply this idea to our
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personal finances and I would advocate
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in the spirit of today's episode to our
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our health decisions. So, pivoting now
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to to your deeper yes, one of the great
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common frustrations in personal finance
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sounds something like, "I wish I had
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more money for travel, but I guess I did
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spend, you know, $17,000 on that jet ski
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last year." You know, spending money is
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a constant and and an alluring tease.
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But I think it becomes easier to say no
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to overspending when you have a deeper
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yes. And we can apply some sort of
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biodal spending to our lives and to our
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mindset. There we either have spending
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that totally lights us on fire and it's
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the best money we could spend in the
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world or we try hard not to spend it.
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It's just like we're spending money, I
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should say, maybe on the barebones
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essentials that just keeps life
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functioning. We pay for our our living
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space. We pay for food. We pay for
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transportation. the basics or we're
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spending money on the the most amazing
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things possible. And I would say there's
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nothing wrong with spending that money
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on the jet ski like in the example I
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just uh gave. But do you have a deeper
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yes that might steer you away from that
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spending? And if you don't know that
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deeper yes, I think we should try to
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discover it right now. To discover your
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most meaningful spending, I would say
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that you ask yourself the following
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questions. And some of these questions
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are going to resonate a lot. Some might
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not resonate at all with you. And you
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can build your own list and and
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eventually even build a ven diagram like
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the one that I mentioned to see which of
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your spending decisions and maybe which
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of your health decisions fall into your
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ideal intersection where these circles
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overlap. So I'll get going on the
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questions now. Number one, what are your
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core values? Number two, which
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expenditures align with those values?
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Number three, which purchases bring you
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the most joy or satisfaction? Number
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four, what spending do you most regret?
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Five, which expenses contribute to your
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long-term goals? Six, how do these
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expenditures improve your quality of
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life? Seven, what are your essential
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expenses? Eight, are there any
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non-essential purchases that still hold
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significant meaning to you? Nine, what
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are you sacrificing to make certain
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purchases? 10, would reallocating funds
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to other areas better align with your
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values and goals? 11, do you value
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experiences over material goods or vice
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versa? 12. What experiences have been
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most memorable and fulfilling? 13. How
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does your spending affect your
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relationships? 14. Does your spending
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contribute to causes that you care
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about? 15. Which purchases do you
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consistently make? 16. Have your
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spending patterns changed over time? 17.
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How does your spending support your
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personal growth? And 18. What purchases
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have had a lasting impact on your own
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personal development? Now, if you want
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all 18 of those questions, again, I
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suggest you check out the show notes,
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bestinest.blog. blog/do have a deeper
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yes. We'll put the link there if you
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want to read the article for yourself.
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Because I would submit that once you
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discover your deeper yes, it becomes
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easier to say no to other spending. It
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would sound something like I can't buy
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the jet ski because I'm taking my family
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to Portugal next summer and that is a
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deeper yes for us. It's like that Henry
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David Throw quote from Walden that if
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you didn't already know it, the movie
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Dead Poet Society made it pretty famous.
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I went to the woods because I wished to
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live deliberately to front only the
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essential facts of life and see if I
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could not learn what it had to teach and
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not when I came to die discover that I
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had not lived. I did not wish to live
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what was not life living it so dear. Nor
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did I wish to practice resignation
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unless it was quite necessary. I wanted
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to live deep and suck out all the marrow
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of life to live so sturdily and
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spartanlike as to put route to all that
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was not life to cut a broad swath and
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shade close. to drive life into a corner
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and reduce it to its lowest terms. And
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if it proved to be mean, why then to get
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the whole and genuine meanness of it and
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publish its meanness to the world? Or if
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it were sublime, to know it by
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experience and be able to give a true
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account of it in my next excursion. The
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part that most people think of is that I
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wish to live deliberately, to suck out
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all the marrow of life and and to not
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when I came to die discover that I had
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not lived. That's the part of the poem
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that most people remember. And and the
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idea there is to in our case spend
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deliberately or eat deliberately, make
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choices deliberately, to put route to
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all the nos or the negatives in your
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life and to look for the deeper yeses.
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And if that plan proves to be mean, as
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thorough would say, then report back
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about that meanness. But I predict that
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you'll find it sublime and you'll be
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able to give a true account of such wise
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spending to the rest of us. And I would
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also submit that when it comes to the
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the health choices in our life, we can
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put route and we can make easier nos. We
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can make the decision to say no easier
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if we have a deeper yes. And by cutting
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out all the things that we want to say
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no to, by putting route to them, right?
00:10:36
Then then we will have a more deliberate
00:10:38
healthconscious life. Here's a quick ad
00:10:40
and then we'll get back to the show. I
00:10:42
send a free weekly email to thousands of
00:10:44
readers that shares two simple things,
00:10:46
just two. The first are my new articles
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and podcasts, so you'll never miss when
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I publish new content. And the second is
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my favorite financial content from other
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corners of the internet, so you can see
00:10:55
what's been helping me the most. But
00:10:57
Jesse, I don't want another email.
00:10:59
>> I hear you. I make this newsletter
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short, sweet, and full of essential
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information, and readers enjoy that.
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About 85% of newsletter subscribers are
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engaging with the newsletter more than
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once a month. They're enjoying it, and
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you will, too. You can subscribe for
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free on the homepage at
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free PDF of my white paper titled the
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step-by-step guide to building your
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retirement paycheck. That's right, a
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people like you are already reading, a
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free white paper to help you plan for
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retirement, and you can sign up for free
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at bestinterest.blog.
00:11:30
With that, I think we should kick things
00:11:31
over to Phil Pearlman. Phil has a
00:11:33
doctorate in psychology. He used his
00:11:34
knowledge to spend most of his career in
00:11:36
the behavioral finance world of Wall
00:11:38
Street. But more recently, he created
00:11:40
the Pearl Institute and he's dedicated
00:11:41
his life to helping people optimize
00:11:43
their well-being. That is his calling.
00:11:45
Phil's an expert in the areas of
00:11:46
personal health and effective processes
00:11:48
of change and as you'll hear today, a
00:11:50
true teacher by nature. So, without any
00:11:52
further ado, here is Phil Pearl.
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[music]
00:12:00
Well, Phil, last time you were here,
00:12:01
episode 79, we learned all about some of
00:12:03
the cool overlaps between investing and
00:12:06
health. And I'm sure we're going to talk
00:12:07
about that again today. But because this
00:12:09
is December now, I thought we would have
00:12:11
a little bit of a holiday twist to
00:12:14
today's topic, today's conversation. But
00:12:17
maybe we can rewind the clock a little
00:12:19
bit and start with some of the basics
00:12:21
because one of the things I remember
00:12:22
from working with you, I remember these
00:12:25
four pillars that you kind of think
00:12:28
about and focus on when it comes to our
00:12:30
health journeys. A lot of people I think
00:12:32
diet and exercise. I know you added two
00:12:34
more in there, but do you mind just
00:12:35
starting there with kind of these four
00:12:37
main focus areas that that you focus on
00:12:39
in this simple health concept?
00:12:41
>> First of all, Jesse, let me just say
00:12:43
it's great to see you. Really nice to
00:12:45
talk to you. It's always a pleasure.
00:12:47
>> I wish that I had Jesse's girl,
00:12:49
>> the whole thing. It's It's beautiful.
00:12:51
So, let me just tell you. So, you know,
00:12:53
the Greeks had four elements of the
00:12:57
physical universe, right? And now we
00:12:59
look back at that as being so quaint and
00:13:01
simple. They had earth, wind, fire,
00:13:04
water, right? Four elements. Now we have
00:13:07
like, you know, all these different
00:13:09
Californian and, you know, like these
00:13:12
different all these elements. We know
00:13:13
the periodic table, but back then they
00:13:16
had four elements. And you know, unless
00:13:17
you're unless you are a chemist, those
00:13:20
four elements go a very long way. And
00:13:24
there are four elements of good health,
00:13:26
too. And you can read all the books you
00:13:28
want. There's like 10 million blog
00:13:29
posts. There's a thousand book 10,000
00:13:32
books. But really, if you understand the
00:13:36
four elements of health and just have a
00:13:38
really a basic idea, you can get
00:13:40
yourself very healthy. And those include
00:13:43
nutrition, the food that you put into
00:13:45
the only body that you're ever issued.
00:13:48
That's number one. Number two is
00:13:50
exercise, movement, moving your body,
00:13:54
working up a sweat sometime, lifting
00:13:56
things that are heavy sometimes, and
00:13:58
building your muscles up. Number three
00:14:01
is sleep and rest. That's how we
00:14:05
rejuvenate our body. That's how we
00:14:08
rebuild after we've spent ourselves,
00:14:11
after we've run around, maybe we've gone
00:14:13
for a jog, maybe we've done some
00:14:15
weightlifting. That's how we rejuvenate.
00:14:17
And also our brain, it's how we rest and
00:14:19
rejuvenate our brain. And then the last
00:14:21
one nobody ever talks about and that is
00:14:25
love and community and belonging. Family
00:14:28
and those types of elements are
00:14:30
incredibly important to our thriving and
00:14:35
our health span. Staying healthy for a
00:14:37
long time. You get those four going. And
00:14:40
if you're just starting out or you're
00:14:42
not in shape or you're not feeling
00:14:43
great, even if you just start with one
00:14:46
and you just say, "Hey, you know what?
00:14:47
I'm going to start I'm going to start
00:14:49
walking in the morning and then I'm
00:14:50
going to go for a jog. And then what
00:14:52
happens is is they compound and they
00:14:55
begin to you know the more you start
00:14:57
exercising well the better you start
00:14:59
sleeping right and then the better
00:15:00
you're sleeping and the better and the
00:15:02
more you're exercising the more your
00:15:04
body is craving nutritious foods and you
00:15:06
start learning about that. So there
00:15:08
really is a sort of a compounding effect
00:15:10
or a cumulative effect. But really if
00:15:13
you just focus on those four things,
00:15:16
nutrition, body movement, exercise,
00:15:18
sleep and rest, and love and family and
00:15:21
community, you really can get yourself
00:15:23
super healthy without having to learn
00:15:26
big words like mitochondria and V2 max
00:15:30
and isomeir and telomeres and all those
00:15:33
kinds of things. I fell over the other
00:15:35
day and I think I actually twisted my
00:15:36
telomeres, but maybe not. No. Uh, it
00:15:39
strikes me though when you're talking
00:15:40
about the cumulative effect of these uh
00:15:43
of these four pillars that maybe I
00:15:45
should rewind the clock a little bit and
00:15:46
I mean you've got a really interesting
00:15:48
health story of your own, right? I mean,
00:15:50
I remember you telling me about like
00:15:53
maybe it's like where you found yourself
00:15:55
health-wise in like that 40 to 45 year
00:15:57
old age range, something like that. And
00:16:00
then you've you've been on this health
00:16:01
journey ever since. But I mean could you
00:16:02
remind me of of those details?
00:16:04
>> Yeah, you know we have an epidemic in
00:16:06
this country. We have a health epidemic.
00:16:10
People don't take good care of
00:16:12
themselves. We have huge amount of
00:16:15
highly processed foods. An incredibly
00:16:18
high percentage of the average person's
00:16:22
the average US adults diet is super
00:16:25
processed foods. We don't get enough
00:16:27
protein. We eat way too many processed
00:16:30
and carbohydrate high carbohydrate foods
00:16:33
and we're as a result we are not only
00:16:36
obese in the aggregate but we have high
00:16:39
blood pressure we have high blood sugar
00:16:41
levels we have all types of signs of
00:16:45
poor metabolic health and so myself when
00:16:50
I was a kid I was an athlete when I was
00:16:52
young I was an athlete and the older I
00:16:54
got the further and further away I got
00:16:58
from that the less exercise, the more
00:17:02
crap I put into my body, including and
00:17:04
in my case, including alcohol and drugs.
00:17:08
And so, I'm just such an addict. It's a
00:17:11
comedy. Like, if there was a if there
00:17:13
was an addict scale, you could just like
00:17:15
plug in a thing and get a reader, I
00:17:17
would be like, you know, like super high
00:17:20
on the addict thing. And for years and
00:17:22
years, pot, alcohol, cigarettes, sweet
00:17:26
foods, cookies, cakes, all kinds of
00:17:30
things. And I was big and I was in very
00:17:33
poor shape. I was probably, you know,
00:17:35
50, 60 lbs heavier. And I was struggling
00:17:39
to get healthy, but I really didn't have
00:17:41
all the pieces together. I was like
00:17:43
fighting myself. Like I was would do
00:17:45
like healthy things and then I would do
00:17:47
like unhealthy things. And I was really
00:17:50
fighting myself. And finally it really
00:17:53
sort of came to a head. Literally I was
00:17:55
in this mode where I was fight I was
00:17:57
kind of fight. As a matter of fact I I
00:17:58
ran my first half marathon when I was
00:18:01
still using and there's a there's an old
00:18:04
photo from like eight years ago where I
00:18:07
was with my kid. My kid was a runner and
00:18:09
I was I did not look that healthy but I
00:18:12
just plowed through the half marathon
00:18:14
slowly. Now 8 years later I'm 58. I can
00:18:18
run it much faster, more than a minute a
00:18:20
mile faster
00:18:22
>> than I could then. But I was just
00:18:24
battling the battling. And then I was
00:18:26
really trying to quit. I was trying to
00:18:27
get healthy. It was like back three
00:18:29
steps forward, two steps back, five
00:18:31
steps forward, seven steps back. And
00:18:33
finally, I went out one night. I don't
00:18:35
know if I ever even told you this story.
00:18:37
>> I I didn't know about it. I know the
00:18:38
story because you wrote a great little
00:18:40
post about it. That was the first time I
00:18:42
heard this story. Yeah. Right.
00:18:44
>> Right. On my sixth. And you know what?
00:18:47
What I'm trying to do now is I'm trying
00:18:48
to help people and so I try to do
00:18:51
whatever I can to get people to to
00:18:55
motivate people to inspire people to so
00:18:57
I wrote this post on my sixth
00:18:59
anniversary of being sober from alcohol
00:19:02
and pot. I wrote a story about I I went
00:19:04
out one night with a buddy of mine who
00:19:05
lives in Brooklyn was going to crash at
00:19:08
his place. He lives he moved since but
00:19:10
lived in Brooklyn with his wife and his
00:19:12
dog and we went out to some to see
00:19:15
Shabbaka Hutchkins which some like
00:19:17
avantguard British jazz music wild. We
00:19:22
just partying from early in the evening
00:19:25
and we were just wrecked. Get back to
00:19:27
his place. We go up on the roof and
00:19:30
we're still drinking and and smoking and
00:19:33
I just fell on my head, hit my head,
00:19:36
passed out. Boom. And the next thing I
00:19:38
remember, I'm sitting on his couch and
00:19:41
there's like paramedics there and
00:19:43
they're like trying to get me to go to
00:19:46
the hospital or whatever. And I'm like,
00:19:48
"No, man. I'm all right. I'm good." I
00:19:50
was like, I was ready for a bong hit,
00:19:52
you know? And it was like, "No, I didn't
00:19:55
go." And that was the last time that I
00:19:58
ever partied. Like, I got with my wife,
00:20:00
I had a great doctor, got with him, and
00:20:03
I just quit at that point. It was like a
00:20:06
light bulb went off and instead of me
00:20:09
fighting myself, I just sort of gave up.
00:20:12
Like I just sort of let go of all of a
00:20:16
lot of crap. A lot of like, hey, I got
00:20:20
to do this. Keep up with the Joneses.
00:20:22
Party one more time. It's always that
00:20:24
one more party. And I just gave it up. I
00:20:27
was just like, you know what? I'm done.
00:20:29
And I just started doing a lot of a lot
00:20:32
of things for myself and my family that
00:20:34
were that were healthier and and I just
00:20:36
started eating good foods, started
00:20:39
moving my body. That part of me that was
00:20:41
an athlete came back to me, you know,
00:20:44
like I was an athlete. Like that's who I
00:20:46
was. And you know what? It's who I still
00:20:48
am.
00:20:49
>> And it really came back to me. And I
00:20:51
like I feel closer to the 12year-old
00:20:54
Phil than I've ever felt before cuz it's
00:20:56
like that 12-year-old Phil who like go
00:20:59
out and go up to the schoolyard and race
00:21:01
his buddies that that's still inside me.
00:21:04
That's like still who I am. Well, no.
00:21:06
Thanks. Thanks for sharing, Phil. And uh
00:21:09
it sucks that you had to go through that
00:21:11
rock bottom moment in a way, right? But
00:21:14
at the same time, there's this silver
00:21:16
lining because I'm looking at you now
00:21:18
and and how healthy you are now. Oh, and
00:21:20
of course there's a silver lining to
00:21:21
that rock bottom just like you know for
00:21:23
some of the conversations with listeners
00:21:24
who have a rock bottom in their finances
00:21:26
before turning things around or just
00:21:28
other aspects of life. And so you were
00:21:31
able to quit using cold turkey. And not
00:21:34
to make light of the moment, but
00:21:35
speaking of turkey, I think we can pivot
00:21:37
back to the holiday conversation now
00:21:39
because I hear story.
00:21:42
>> Well done.
00:21:42
>> The four pillars.
00:21:44
>> And I think when most people think of
00:21:46
health around the holidays, immediately
00:21:48
they think diet, right? That is the
00:21:50
pillar that they think of. Maybe that's
00:21:52
my own bias. And so I'm I'm just
00:21:54
curious, you know, when in the
00:21:55
conversations you have even in your own
00:21:57
personal life when it comes to health
00:21:58
around the holidays, is diet the thing
00:22:00
that you're focusing most on or just
00:22:02
give us maybe some of your general
00:22:03
thoughts about health around the
00:22:04
holidays to start?
00:22:06
>> Okay. So to set the context, we all know
00:22:10
and I'm assuming that we have sort of an
00:22:13
advisor financey crowd here. And so I
00:22:17
would think that most of us are pretty
00:22:19
familiar with seasonality in markets,
00:22:23
selling May and go away, Jeff Hirs and
00:22:26
the stock traders almanac and that whole
00:22:29
thing. And there's different months of
00:22:30
the year that are stronger than others.
00:22:33
There's different seasons of the year
00:22:35
that are, you know, and even taking into
00:22:38
account the election cycles. And there's
00:22:41
a whole science to that. And Hersh is
00:22:44
kind of the the man on that. But there's
00:22:46
a lot of people doing a lot of great
00:22:48
work there. And there's also a
00:22:51
seasonality to metabolic health and a
00:22:54
seasonality to weight gain. And as it
00:22:56
turns out, and this makes such intuitive
00:23:00
sense, and I'll go into a couple of the
00:23:01
reasons or what we think are the
00:23:04
reasons, but from about the week of
00:23:08
Thanksgiving to the week of New Year's
00:23:12
Day, we gain all of the weight that we
00:23:15
gain during the year during that window
00:23:19
from, you know, like mid late November,
00:23:22
November 20th, whenever, depending on
00:23:24
when Thanksgiving is to like Jan 1, Jan
00:23:27
2, we gain not only all of the weight
00:23:31
that we gain for the year, we gain more
00:23:34
weight than we gain all year. So in
00:23:36
other words, from January, November, we
00:23:38
have a tendency to drop a little bit of
00:23:40
weight, but we gain so much weight
00:23:42
during this window that as a tendency up
00:23:46
until the time we're about 60 65. As
00:23:50
adults, we tend to gain on average and
00:23:53
this is these are means, these are not
00:23:55
individuals, every individual is
00:23:57
different.
00:23:57
>> We tend to gain about 1 to two pounds a
00:23:59
year as adults in America, which is
00:24:02
profound. like over 10 years, right,
00:24:04
that's 15 20 pounds that you gain and
00:24:06
over 20 years it could be 30 40 pounds
00:24:09
that you gain
00:24:10
>> during this period. And so what Jeff
00:24:13
Hirs would say is that, you know,
00:24:15
seasonality a lot of times is not that
00:24:18
big a deal if the market is just doing
00:24:21
what it usually does during the seasons.
00:24:24
Like if September is a wonky month and
00:24:26
it's choppy and maybe it's down a little
00:24:29
bit, it doesn't give you that much
00:24:30
information because September is usually
00:24:33
a wonky month. And if December is a
00:24:35
strong month and November is a strong,
00:24:38
you know, November, December are strong
00:24:40
months, well, they tend to be strong
00:24:42
months, so it's not that big a deal.
00:24:45
What when you have a period of the year
00:24:48
in the market when it goes against the
00:24:50
seasonality
00:24:52
that's you know what Jeff Hurst would
00:24:54
tell you is that signal that's when
00:24:56
you're getting information like we just
00:24:58
had a strong September and we've had a
00:25:03
strong year and now we're having a
00:25:05
strong and we're taping this a little
00:25:06
bit earlier so if we crash I'm taking a
00:25:09
mulligan on this conversation but I'm
00:25:12
assuming we're not going to crash. I'm
00:25:13
assuming we're I'm going to take the
00:25:15
risk that I'm assuming we're going to
00:25:16
have a strong into the end of the year.
00:25:18
And what that September that was a
00:25:20
stronger September than usual was
00:25:22
telling you was that hey, this market's
00:25:24
stronger than it usually is. So, it's
00:25:27
when we're not conforming to the
00:25:29
seasonality of markets that you're
00:25:31
getting important information. The same
00:25:35
exact thing is true in our in terms of
00:25:39
our health. So, how do we go through
00:25:42
this time of year right now, December?
00:25:46
We're you're we're watching this in
00:25:47
December. How do we go through right now
00:25:50
going the other way, maybe losing a
00:25:53
pound or two, maybe staying very
00:25:56
healthy? I'm going to get into that in
00:25:57
one second. There was just one more
00:25:59
thing. You asked about nutrition and
00:26:02
what are the factors and I gave the four
00:26:04
elements and they're all very important
00:26:06
and they all go together. But if you put
00:26:08
a gun to my head and I had to choose
00:26:11
one, it would be nutrition. There's no
00:26:14
doubt about it. Nutrition is so
00:26:16
critical. Is that in general, Phil? Or
00:26:19
you're saying especially during this
00:26:20
time of year?
00:26:21
>> It's always, always, always. It's it's
00:26:24
you can't exercise your way out of a bad
00:26:26
diet. I mean, unless you're like serious
00:26:28
marathoner. I mean, a guy like Kip Chigi
00:26:31
can eat whatever he wants, but guess
00:26:33
what? He's running 100 miles a week.
00:26:36
Doesn't matter. It's all he's burning
00:26:38
everything, right? But me and you and
00:26:41
even people, you know, like I'm running
00:26:42
a good amount a week, 25 miles a week,
00:26:44
20 25 miles a week. But even me, if I go
00:26:48
on a bender, even a day or two, I notice
00:26:51
it and I'm very sensitive to it, but I
00:26:53
notice it. But people, if they're not
00:26:56
eating well, even if they're exercising.
00:26:58
So, let's put nutrition at the top. And
00:27:01
if we were to assume, we don't know for
00:27:04
a fact fact, but we can make some
00:27:06
assumptions about why people gain
00:27:09
weight. Well, there's all kinds of
00:27:11
parties. There's office party, there's
00:27:13
Christmas parties, there's Thanksgiving
00:27:15
is ridiculous. You know, your aunt
00:27:17
Dolores brings over, you have an apple
00:27:20
pie, you have a pumpkin pie, you have
00:27:23
peacon pie with the ice cream,
00:27:25
>> pie, baby.
00:27:26
>> And then your aunt Dolores brings over a
00:27:28
peacon pie. So there's two pon pot
00:27:30
glorious but it's gluttonous at the same
00:27:33
time. It's glorious and gluttonous.
00:27:35
>> And so we just eat and then we drink
00:27:38
more than we usually do and we drink
00:27:41
rich wintry drinks. That's one reason
00:27:45
why it's just obvious that it's one
00:27:49
thing. And then the second thing is more
00:27:51
of an evolutionary thing and that is
00:27:54
that it gets cold in the winter. And so
00:27:56
our bodies, you know, we have this sort
00:27:58
of natural tendency to want to to want
00:28:00
to just plump up a little bit during the
00:28:03
colder months as a layer of protection
00:28:06
from the cold. Put in insulation in your
00:28:09
house, you're like insulating yourself.
00:28:11
So that's a kind of possible causal
00:28:13
rationale. But anyway, the tendency is
00:28:16
so if we can go against the seasonality
00:28:19
of weight gain, if we can stay steady or
00:28:22
maybe lose a pound or two during this
00:28:25
traditional weight gaining period,
00:28:28
we are really making that is signal that
00:28:31
is telling us that we may be on to
00:28:33
something. We may be on to a set of
00:28:36
habits or a system or a lifestyle or a
00:28:41
self-concept
00:28:43
that runs counter towards
00:28:46
this obesogenic culture that I described
00:28:49
before that you know 70% of the people
00:28:52
over 70% of the people in this country
00:28:54
are either overweight or obese and
00:28:57
metabolic illness is running rampant and
00:29:00
there are some good new drugs out there
00:29:03
ompic and so forth Earth, but they don't
00:29:05
agree with everybody and they have side
00:29:07
effects and they're expensive and so you
00:29:10
just can't you just can't say, "Hey,
00:29:12
just go take a pill or go take a shot in
00:29:13
this case." And so there are things you
00:29:15
go so to your point before you start
00:29:18
with what you put in the only body that
00:29:21
you ever get. You get this one body when
00:29:23
it's all used up. Guess what? I'm sorry.
00:29:26
There's no mulligans when it comes to
00:29:28
your life. There's no mulligans. You
00:29:29
know, it's used up. You're done. You're
00:29:31
dead, Jack. We all go sometime. and you
00:29:33
want to go as far out into the future as
00:29:36
possible and you want to be as healthy
00:29:37
for as long as possible. Here's a quick
00:29:40
ad and then we'll get back to the show.
00:29:43
Serious question. Why do podcasters
00:29:45
constantly ask for ratings and reviews?
00:29:48
Yes, they do help highlight our shows to
00:29:50
new listeners. They help strangers find
00:29:52
us on Apple Podcast and Spotify. It's
00:29:54
totally true and a good reason to ask
00:29:56
for ratings and reviews. But I have
00:29:58
something more important, at least more
00:30:00
important to me. I want to know if you
00:30:02
like this stuff. I want to know if you
00:30:04
like my podcast episodes, my monologues,
00:30:06
my guests, the information I share with
00:30:08
you and the stories I tell. I want to
00:30:10
improve and make your listening more
00:30:12
enjoyable in the process. So yeah, I
00:30:14
would love to read your reviews. And
00:30:16
sure, if you throw a rating in there,
00:30:18
too, that's great. If you like what I'm
00:30:20
doing, please share it with me. It's
00:30:22
such a great feeling to read your
00:30:24
feedback. I'd love to read your review
00:30:26
or see a rating on Apple Podcast or
00:30:29
Spotify. Thank you. when we were kind of
00:30:32
working together and and talking more
00:30:33
frequently, I was having a pretty good
00:30:35
uh I was on a good streak, right? I was
00:30:37
building some pretty good habits into my
00:30:38
life and I called you because I was
00:30:41
flying out to Palm Springs, California
00:30:43
to one of my friends bachelor parties
00:30:45
and I was like, "Hey, man. I've got all
00:30:47
these good things going. and I'm
00:30:48
building up some really good habits and
00:30:50
I'm about to go into a weekend of snack
00:30:52
food and ordering pizza and beers
00:30:55
available at 10:00 a.m. And I I just
00:30:58
remember thinking to myself like kind of
00:30:59
had a couple questions for you at the
00:31:01
time and and they're related in a way.
00:31:03
And the first one was
00:31:05
do you have wiggle room for cheating in
00:31:08
your health structure as in like a a
00:31:10
cheat meal or you know something like
00:31:13
that some sort of flexibility. But then
00:31:15
the second one, and maybe this is what
00:31:16
we can focus on right now, is I was
00:31:18
thinking to myself, what can I
00:31:20
proactively think about doing? What can
00:31:21
I plan ahead of this trip? What can I
00:31:24
commit to that allows me to feel like
00:31:27
I'm partaking but still keeps my health
00:31:30
a priority? And so, as we go into the
00:31:32
holidays, it's my question for you right
00:31:34
now is we don't want people to say, I
00:31:36
know it's after Thanksgiving when this
00:31:37
comes out, but we don't want people to
00:31:39
say, "Hey, you got to skip Thanksgiving
00:31:40
dinner. Sorry, man." We want people to
00:31:43
feel like they're partaking, but at the
00:31:45
same time, you know, what's a good
00:31:47
framework for setting some limits or
00:31:50
just proactively thinking about keeping
00:31:52
our health top of mind? This is a
00:31:56
process and a journey for each person.
00:31:59
And we are all
00:32:01
scientists and we are all the subjects
00:32:05
of the scientific experiment. We are
00:32:07
chief scientists and the sole subject of
00:32:10
an important scientific experiment. So
00:32:12
we learn more and more about our about
00:32:14
ourselves as we go along. It's not just
00:32:17
one day, one event, one Thanksgiving,
00:32:19
one New Year's Eve. And so it may take
00:32:23
some time to get to a place where
00:32:26
habitually you're behaving in a way that
00:32:29
promotes your good health rather than
00:32:32
detracts from your good health. And I
00:32:35
say that to say small steps in the right
00:32:38
direction are great. You know, we're not
00:32:41
going all or none necessarily. Some
00:32:43
people do. Some people come to me and
00:32:46
will walk through it and they go, "Oh,
00:32:49
okay." And they start doing those
00:32:50
things. But those are the fraction of
00:32:53
people. Usually people have baggage.
00:32:56
They have a history. they have issues
00:32:59
with their body or with their the way
00:33:01
that they perceive themselves and it
00:33:04
becomes a journey. Rare cases it's not
00:33:07
it's just like this. And by the way,
00:33:09
some people never go on the journey at
00:33:10
all. I'm sad to say some people just
00:33:13
maybe it's just me that I I'm not
00:33:15
perfect at helping people, but some
00:33:18
people just aren't going to get there.
00:33:20
Like I just re I hate to say it. I wish
00:33:23
it weren't true. Breaks my heart. But
00:33:25
anyway, most people have a journey.
00:33:27
Cake, for example, this coming holiday
00:33:30
season. There is lowhanging fruit.
00:33:32
There's places to begin, right? We don't
00:33:34
have to be militant. We can be, but we
00:33:37
don't have to be. But the really the
00:33:39
best place to start is alcohol
00:33:42
consumption because it's so bad. And a
00:33:47
lot of the our poor nutrition is
00:33:50
cultural. I remember being 9 years old.
00:33:53
I'm watching Saturday morning cartoons.
00:33:56
Tony the Tiger comes on. He's selling me
00:33:58
Frosted Flakes. He's like my freaking
00:34:01
dope dealer, you know? Like he's selling
00:34:03
me crack. Crack for 9year-olds is
00:34:06
frosted flakes. Boom. Right to my skull.
00:34:10
And I'm like, "Mom, I want Frosted
00:34:12
Flakes." And so the next day it's like,
00:34:15
"They're great." And I'm eating Frosted
00:34:17
Flakes. And if you look at Frosted
00:34:18
Flakes, it's poison. And I would go out
00:34:21
and run around and I would burn a lot of
00:34:22
it off. But the precedent that it was
00:34:24
setting, the habits that it was putting
00:34:26
into place was really, really bad. The
00:34:29
really the worst thing is the alcohol.
00:34:31
And alcohol is the same way. The
00:34:33
commercials for alcohol have just been
00:34:36
as bad. I mean, the one that I really,
00:34:38
really remember was Billy D. Williams
00:34:40
was like the coolest guy in the world.
00:34:42
I'm stamping my age on this. Billy D.
00:34:44
Williams, the coolest guy in the world.
00:34:46
And you know, he was doing like malt
00:34:48
liquor commercials and like the door,
00:34:51
you know, he would be standing at the
00:34:52
door and he's talking to the camera.
00:34:54
Yeah, I got malt liquor. And then this
00:34:58
gorgeous woman comes up behind him and
00:35:00
he like closes the door like, you know,
00:35:03
he's got the malt liquor. She's got the
00:35:04
malt liquor and he's about to get some,
00:35:06
right? He's about to get a little little
00:35:08
booty call. And it was like, what's
00:35:11
cooler than that? So we got we're
00:35:13
brainwashed. And so alcohol really is
00:35:16
not cool. Like I hate to say it, but
00:35:19
it's really not that cool. The
00:35:20
Clydesales are cool. Billy D. Williams
00:35:23
is cool. The tequila guy, right, the Van
00:35:26
Halen singer, the second singer for Van
00:35:28
Halen, you know, with people my age,
00:35:31
he's so cool. He's selling some fancy
00:35:33
tequila. And like people I know that are
00:35:35
my age that are well to do Cabo Wabo or
00:35:39
whatever his tequila is, people love to
00:35:41
drink that tequila cuz it's cool. But
00:35:42
it's not really that cool. It destroys
00:35:44
your brain. It makes you fat. It messes
00:35:48
with your internal organs. And it
00:35:51
destroys your metabolic health. And it
00:35:53
causes cancer, by the way. It affects
00:35:55
your sleep. I could go on and on the
00:35:57
negative effects. So, the place I would
00:35:59
start with would be alcohol consumption.
00:36:01
That would be number one. And, you know,
00:36:03
if you're not going to like cut it out
00:36:05
completely, you know, you just say,
00:36:07
"Hey, you know, this is Christmas Eve.
00:36:08
I'm going two drinks. I'm not going
00:36:11
seven. And that week I'm going five
00:36:14
drinks. I'm not going 15 or Katy bar the
00:36:17
door. Like I'm just going to limit it.
00:36:19
And by the way, as an aside, if you
00:36:22
can't limit it, you really got a
00:36:23
problem.
00:36:24
>> Yeah. Yeah. You might need to seek some
00:36:26
help.
00:36:26
>> You might want to see some help. Like if
00:36:27
you say, "Hey, I'm just going to have Q
00:36:28
tonight." You wind up having aid, you
00:36:30
got a problem there. I mean, I'm just
00:36:32
It's a slap. I'm slapping you in the
00:36:33
face. Just saying it, but I'm just
00:36:35
talking reality. That would be number
00:36:37
one. Number two, what I would recommend
00:36:40
is that you eat. I would call this the
00:36:42
right foot rule. Like you get off foot
00:36:44
in the right foot. So what I would do is
00:36:47
I would eat a lot of high protein
00:36:52
natural foods to start the evening.
00:36:56
>> I still think about this one, Phil. I
00:36:57
remember this one from us talking about
00:36:59
it.
00:37:00
>> It's so critical.
00:37:01
>> Like as a matter of fact, I've had one
00:37:03
meal so far today and that was six eggs.
00:37:07
>> And it's 5:30 p.m. as we speak right now
00:37:09
for for listeners. one one meal by 5:30
00:37:12
>> about about before we before I came on
00:37:14
about 4:30 about an hour ago before I
00:37:17
came on had a half dozen eggs that's 40
00:37:20
grams of protein and 400 calories give
00:37:24
or take you know all the healthiest fats
00:37:26
in the world and amino acids and
00:37:29
vitamins galore and I wasn't hung I'm
00:37:32
not hungry after I do that and then I'll
00:37:34
have a little dinner with my family and
00:37:36
I'll be good to go and I'll have animal
00:37:39
protein and vegetables for dinner and
00:37:41
that's that. And so if it's
00:37:43
Thanksgiving, before you start piling
00:37:46
into the stuffing, before you start
00:37:49
piling into those little rollup
00:37:51
biscuits, that's what we make. The
00:37:54
Pillsbury dis biscuits. They disappear.
00:37:57
They disappear in about 5 seconds, by
00:37:59
the way. We make them. Got to make them.
00:38:01
I'm having relatives over. But they
00:38:03
disappear in like two seconds. instead
00:38:05
of having starting with those, you just
00:38:07
get a big plate of turkey and you have a
00:38:09
bunch of bunch of turkey and that way at
00:38:11
least you started with something. So if
00:38:13
you go off a little bit off the rails,
00:38:15
you got a head start off on the right
00:38:17
foot. Those are two big recommendations.
00:38:19
Limit alcohol and get off on the right
00:38:22
foot. I like those two cuz they're
00:38:23
simple, right? It's it's not 10
00:38:25
different directions that are kind of
00:38:26
complex. It's two simple things that we
00:38:28
can all keep in mind. I'm kind of
00:38:30
thinking chronologically here. So, you
00:38:32
know, we get through after Thanksgiving.
00:38:34
Now, we've got that holiday party
00:38:36
season. Probably there's more
00:38:38
opportunities to drink. And then
00:38:39
eventually we get into what Christmas
00:38:41
cookie exchanges. I think in our office,
00:38:43
so many people bring in food to the
00:38:46
office. Our break room becomes a sugar
00:38:49
factory during that 3-week period
00:38:51
between Thanksgiving and Christmas.
00:38:54
Eventually though, we get to the tail
00:38:55
end of all this. It's now January 1st or
00:38:58
maybe it's December 31st and we're
00:39:00
thinking about potentially hopefully
00:39:02
we're not thinking about too many
00:39:03
unhealthy choices, but maybe we're
00:39:05
sitting there thinking I got to do
00:39:07
something and tomorrow is New Year's
00:39:09
Eve. So, I'm interested to hear your
00:39:11
thoughts on health related New Year's
00:39:14
resolutions. I I liked what you said a
00:39:16
few minutes ago about this is a journey.
00:39:18
It it isn't necessarily just one day the
00:39:20
light switch flips and you go go, but
00:39:23
either way, you know, to bring it home,
00:39:25
what does whether it's a New Year's
00:39:27
resolution or just in general a a
00:39:30
lifestyle change, a slow and steady
00:39:32
lifestyle change, what does that plan
00:39:34
look like going forward?
00:39:35
>> New Years are great. Like people will
00:39:38
sort of criticize them and say, "Well,
00:39:41
why don't why not just start today?"
00:39:43
They're great. The same way that round
00:39:46
numbers on the major averages are great.
00:39:49
Dow 40,000 means something. It meant
00:39:51
something when we crossed it. Dow 10,000
00:39:54
meant some meant something. You know, I
00:39:56
remember like Mark Haynes having the hat
00:39:58
back in the day on CNBC. Those round
00:40:00
numbers mean something because that's
00:40:02
the way our brains were. It's just as
00:40:04
simple as that. And so the moments mean
00:40:08
something. And birth and rebirth are
00:40:12
mythologies are archetypes for a really
00:40:14
good reason because that is important to
00:40:17
us too. And throughout history and
00:40:19
throughout stories I mean just look at
00:40:21
the Bible. You know we're talking about
00:40:23
Christmas right now. Well look think
00:40:25
about Easter. That's the rebirth of you
00:40:28
know he has risen right? It's a rebirth
00:40:30
of Christ. that is like it's built in
00:40:33
because metaphorically rebirth is so
00:40:36
important to us and we can all be reborn
00:40:39
multiple times throughout our lives.
00:40:42
>> So what I would recommend for a New
00:40:44
Year's a New Year's resolution is I
00:40:46
would recommend that you not try to like
00:40:49
just do everything. Hey, I'm exercising.
00:40:53
I'm going to run a marathon. I'm going
00:40:55
to lose 50 pounds. I'm going to stop
00:40:57
eating ice cream. I'm gonna do, you
00:40:59
know, don't try to do it all. Just pick
00:41:02
one thing. Pick one thing that is
00:41:06
getting your goat. That might not even
00:41:08
have to be the biggest worst thing. Just
00:41:10
one thing and go after that. Hey, I'm
00:41:14
going to go for a walk five mornings a
00:41:16
week. By the way, going for a walk in
00:41:18
the morning outdoors is one of the
00:41:20
healthiest things you can do in in the
00:41:22
history of the world. It affects your
00:41:24
mood throughout the day. It gets your
00:41:26
blood flowing. It evens your metabolism.
00:41:30
It resets your circadian rhythm and
00:41:33
improves your sleep even though it's in
00:41:35
the morning. Multiple great effects. So
00:41:38
maybe the thing is that, hey, you know
00:41:39
what? I'm going to start going for a
00:41:41
walk. And maybe you go out and for
00:41:43
Christmas, you get yourself some warm
00:41:45
exercise clothes, like, you know, you
00:41:47
get a pair of like the lined leggings or
00:41:50
whatever. And, you know, a pair of
00:41:52
gloves that are like sleek but warm. and
00:41:56
you get out there and you just start
00:41:59
walking and maybe that's it. Maybe
00:42:01
that's it because we are all, you know,
00:42:03
we're all interconnected. Mind, body,
00:42:05
spirit is one word. We're all
00:42:07
inconnected. And once we start getting
00:42:10
ourselves moving in the right direction
00:42:11
once we do one thing, maybe it could be
00:42:14
to stop drinking. Like that could be one
00:42:16
thing. Like that's a tough one, but
00:42:18
maybe that could be that one thing. I
00:42:19
can't recommend it enough. When I did
00:42:21
it, it changed my whole life. So maybe
00:42:23
I'm just biased, but now I've done a lot
00:42:26
of research in that area and I know how
00:42:29
much it affects you. In fact, I have a I
00:42:31
have a pro bono client that I've been
00:42:34
working with. He reached out to me when
00:42:36
I wrote that article and I just said,
00:42:38
"Listen, we're going to talk. You know,
00:42:40
we're going to talk a couple times a
00:42:41
month for half an hour and he's not in a
00:42:44
position to pay me." and he's been I
00:42:47
talked to him today and he has been
00:42:50
sober for 3 months almost 3 months he's
00:42:54
like hey I'm my brain is clear getting
00:42:56
clearer during the day I'm not as foggy
00:42:59
and I'm be able to think a bit more it's
00:43:01
just having so it can be that like he'll
00:43:04
two years from now he'll still be having
00:43:07
effects like his body will still be
00:43:09
healing and he'll still be having
00:43:11
positive mood effects positive executive
00:43:14
functioning effects
00:43:15
positive energy effects, positively
00:43:18
positive metabolic health effects, and
00:43:20
body weight effects, positive body
00:43:22
weight effects. Drinking is another
00:43:24
great one. But just getting and walking
00:43:27
is a simple one. Hey, I'm going to walk
00:43:29
more days than not in the morning, get
00:43:32
out, get fresh air. Once you do it four
00:43:34
or five times, you're like, "Wow, I feel
00:43:36
great." You get back and you're like,
00:43:38
"Okay, can get really get some stuff
00:43:40
done." That That's what I would really
00:43:42
recommend. I would really recommend that
00:43:45
if you want to go hardcore, I would
00:43:47
definitely recommend another one would
00:43:50
be to begin to cut out carbohydrates and
00:43:54
especially processed carbohydrates
00:43:56
because those are one way of looking at
00:43:59
our obesity problem. A fancy term that
00:44:02
the fancymancy guys use is they use this
00:44:04
term called energy toxicity. And what
00:44:07
they mean by that is that we're just
00:44:09
taking in too much energy. And what do
00:44:11
we do? And carbohydrates are energy. Fat
00:44:13
is energy. Carbohydrates are energy. And
00:44:15
then protein is protein. That's the
00:44:17
really the two major classes, the two
00:44:20
major classes of macronutrients. When
00:44:22
you begin lowering your carbohydrates,
00:44:25
that energy toxicity, the excessive
00:44:27
amount of energy, because what happens
00:44:29
when we take in too much energy, our
00:44:31
bodies store it as fat. So that's how we
00:44:33
get fat. We take in way too much energy.
00:44:35
We have we live in this world of
00:44:36
abundance. We could go to a restaurant
00:44:39
and eat three pieces of bread before we
00:44:42
get a pizza. How much energy toxicity is
00:44:44
that right there in that one meal? Or
00:44:47
you have a uh you know, you have four
00:44:49
pieces of bread and chicken parmesan.
00:44:51
That's a lot of energy toxicity right
00:44:53
there. And so if you want to cut down,
00:44:56
you know, I would I would recommend
00:44:58
googling like low I'm not going to get
00:44:59
into details of it, but googling low
00:45:01
carbohydrate therapeutic diet would be
00:45:04
something that I would highly recommend.
00:45:06
So any one of those doesn't have to be
00:45:08
all three, but just pick one that like
00:45:10
resonates with you and do that one.
00:45:13
>> That's awesome, Phil. Our bodies are
00:45:15
temples and as you love to say, like we
00:45:16
only get one of them, right? We only get
00:45:18
one of them. And as much as we want to
00:45:21
go into this year end and celebrate this
00:45:23
holiday season, personally, I think
00:45:25
finding that balance is huge and health
00:45:27
is wealth, we know these things are
00:45:29
interconnected. So, thank you so much
00:45:31
for coming on today and and sharing your
00:45:33
wisdom with us. And uh I alluded earlier
00:45:35
to some of your blog posts and I know at
00:45:38
one time you were getting behind the
00:45:39
microphone a little bit. So I'm I'm just
00:45:41
not sure if you are still kind of
00:45:42
writing or recording anything or simply
00:45:45
just if if someone wants to reach out to
00:45:47
you to ask you a question or to follow
00:45:49
along with some of what you're doing.
00:45:51
How can people find you? Just go to
00:45:52
philpearlman.com.
00:45:54
I'm going to be cranking the blog back
00:45:56
up. I took some time off. I didn't
00:45:58
really have that much to say. Like
00:46:00
everything that I've said, everything
00:46:02
I've said today, I've already said
00:46:04
before. You know what I mean? Like I'm
00:46:05
putting it together in a beautiful way
00:46:07
and we're doing it in a really seasonal
00:46:09
way, which is very, very nice. But a lot
00:46:11
of these ideas for months, I've written
00:46:13
about it before and so I'm ready to
00:46:16
start up again. Like I had like I took a
00:46:18
little, you know, I consolidated in a
00:46:20
higher area and now I'm about ready to
00:46:22
break out again. So it's a great time to
00:46:25
go to philprin.com
00:46:27
and sign up. find the Prime Cuts blog
00:46:30
and sign up for that. And yes, you might
00:46:32
even see some videos from me as well.
00:46:34
>> That's awesome. We'll link it in the
00:46:36
show notes. I follow Prime Cuts so that
00:46:38
when you do write, I was going to say
00:46:39
it's been a little while, but when you
00:46:40
do write, it ends up in my inbox and uh
00:46:42
it's always worth reading.
00:46:44
>> I took the summer off. Like I just do,
00:46:46
you know, I'm just doing my thing now.
00:46:47
Like I'm just, you know, I could take
00:46:49
the summer off.
00:46:50
>> I totally get it, man. Good for you,
00:46:52
Phil. Well, hey, thank you again for
00:46:54
coming on Personal Finance for Long-Term
00:46:55
Investors.
00:46:56
>> Adios. Thank you for having me, Jesse.
00:46:59
Appreciate you.
00:46:59
>> Thanks for tuning in to this episode of
00:47:01
Personal Finance for Long-Term
00:47:03
Investors. If you have a question for
00:47:05
Jesse to answer on a future episode,
00:47:07
send him an email over at his blog, The
00:47:09
Bestinest. His email address is
00:47:12
00:47:14
Again, that's jessevestinterest.blog.
00:47:18
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00:47:29
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00:47:31
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00:47:33
Finance for Long-Term Investors is a
00:47:35
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00:47:37
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00:47:40
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00:47:41
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00:47:43
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