Danielle Moinet, Dr. Michelle Henry, and Ashley M. Fox

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Episode Transcript

(00:00):
The following is a paid podcast.iHeartRadio's hosting of this podcast constitutes neither an
endorsement of the products offered or theideas expressed. Welcome to a Moment of
Zen. Time to sit back andrelax. As model, actress, mentor
and supermom. Zen Sam's takes youon a sexy and wild ride, covering

(00:20):
the latest in film, fashion,pop culture, cryptocurrency, fintech, cannabis,
and entertainment from the millennial mom's perspective. Here's your host, Zen Sam's.
Hello, my beautiful Tri State area. Welcome to our one hundred and
thirtieth episode over three and a halfyears on the air. It's always a
pleasure to spend my time with youon the airwaves. Thank you for listening

(00:42):
and interacting with me on social media. Guys, that Trulie does make it
all worthwhile. Please make sure tofollow me at Zen Sam's That's Zen with
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Sundays at one pm Eastern and allepisodes of a Moment of Zen stream twenty
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(01:06):
You can always find us, ofcourse on our YouTube channel at zen
Sam's. We have a great showlined up for you today. A big
shout out again to our newest sponsors, once Upon a Coconut and Cootwolft dot
Com. In our Hydration with Heartsegment brought to you by Once Upon a
Coconut, Today, we're featuring modeland influencer Danielle Monet, better known as

(01:27):
former WWE superstar Summer Ray. She'smillions of followers on Instagram. Her run
a Summer Ray in the WWE startedin twenty eleven and ended in twenty seventeen
because of an injury. Today,she's here to chat career talk to us
about her incredible partnership with once Upona Coconut and how they're revolutionizing the beverage

(01:49):
industry, but also how they're leveragingthe position and power to give back.
In our Going Deep segment, broughtto you by Co two Lift, we're
featuring a doctor, Michelle Henry,a Word certified dermatologic surgeon, speaker,
trainer, and author. She servesas a CEO and founder of Skin and
Esthetic Surgery of Manhattan. She focuseson high risk skin cancer treatments, cosmetic

(02:12):
surgery, hair loss solutions, andskin rejuvenation techniques. She joins me to
chat all about debunking skincare over thecounter OTC versus in medical grade products,
what the difference is, and whatit means to your bank account. In
our financial Literacy segment brought to youby ogpa dot Com, today, we're
featuring the incredible Ashley M. Fox. She's a former Wall Street analyst and

(02:37):
expert in the financial education space.She's the CEO and founder of Empify,
a fintech startup that is revolutionizing theway adults and children learn how to build
wealth. Her work and her storyhas been featured on Jim Kramer's The Street,
Yahoo Finance, Huffington Post, That'sjust to name a few. Today,
she joins me to chat financial literacy, the American survival story, and

(02:59):
why it shouldn't matter to you.Stay tuned for our Hydration with Heart segment
brought to you by Once Upon aCoconut, featuring the incredible Danielle mone model
influencer and former w w E superstarknown as Summer Rate. You're listening to
a moment of zen right here onseven ten w o R, the Voice
of New York iHeart Radio. We'llbe right back after this. A Moment

(03:21):
of Zen is brought to you byOnce Upon a Coconut one hundred percent pure
coconut water. Imagine a drink that'snew, tree and rich, powerfully refreshing,
naturally sweet, with no added sugars, not from concentrate, zero additives,
low in calories, absolutely no artificialflavors, and it's so tasty that
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(03:43):
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Welcome back, beautiful Tristate Area.You're listening to a Moment of Zen right
here on seven ten w R,the voice of New York iHeartRadio. I'm
your host, Zen. Sam's upnext in our Hydration with Heart segment brought
to you by Once Upon a Coconut. We're featuring model and influencer Danielle Money,

(04:08):
better known as former WWE superstar SummerRay. She has millions of followers.
On her Instagram. Her run ofSummer Ray in the WWE started in
twenty eleven and ended in twenty seventeenbecause of an injury. Today, she's
here to chat career and talk tous about her incredible brand partnership with Once

(04:28):
Upon a Coconut, how they're revolutionizingthe beverage industry, but also how they
are leveraging the position and power togive back. Welcoming down to the show
is the studying Danielle mone Welcome tothe show. Thanks, sir, Avy.
How are you No, I'm great. Congratulations on all your success and
thanks for helping us kick this off. So you're so talented and smart and

(04:49):
beautiful, but more importantly you aresuccessful and a mentor to many. How
did you become a pro WWE wrestler? First and foremost? And was this
what you vision doing? Yeah?So that was always my dream to be
ww wrestler. I just didn't thinkit was attainable. Started back, like
you said, I think in twothousand and nine was when I really wanted

(05:12):
to go after it, when DowntonDevelopmental and WWE had a tryout and the
rest of it was the hardest thingI've ever done. But also on the
most rewarding thing I've ever done.And so when you were a child,
you were you growing up thinking Iwant to be a wrestler. I mean,
that's a that's a very male drivencareer, it is. I mean,
yeah, I definitely think most ofmy guy friends thought I want to
be a wrestler when I grow up. Definitely not mincrofirlt friends. But I

(05:34):
think I watched with my dad.I think when I was younger, I
really wanted to be a geneticist,which is the most random thing ever,
and did not go that route mypoor parents. I always played sports.
I played in the Lingerie Football Leaguebefore the WWE, and so yeah,
just anything that's really dangerous, andhe sudden they not utilize my college degree

(05:56):
and go after the dangerous I loveit. There are And now you were
recently quoted saying I'm doing good.But at the end of my injury,
I kind of had tingling in myhands. I couldn't really open doors,
and that was a little scary tome. I don't think I could wrestle
every week and be in that roleagain, and I don't think that's my
purpose either. So what is yourpurpose? Well, that was talking about

(06:19):
me getting back into wrestling. Mypurpose is definitely wrestling. I just don't
think I could be a wrestler everysingle day. I'm very interested in managing,
perhaps writing and being involved and wrestlingI watch every four times. So
wrestling is still a major part ofyour life. You just don't want to
be in the actual ring get gettingbanged up. Yeah, like, and

(06:42):
I do get in the ring nowlike once a month, which probably isn't
the best idea, but I justcan't stay away. But yes, Waly,
I watch wrestling all the time.My friends still wrestle, and it's
just some saying that I just can'tget a messa. I love it.
So what was your No, let'sshift to Once upon a coconut So,
what was your first reaction and youtasted the drink and what health benefits do

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you love it for? Also,is there a specific time that you genuinely
drink coconut water. I'd love tohear this. Yeah. So, actually
recently I tried the new slavor,the Chocolate one, and I don't know
what I thought, am I not? I thought it was going to be
like a watery chocolate drink, andit literally tastes like chocolate milk. I'm
allergic to dairy. I'm dairy andtolerant, so I haven't had chocolate milk

(07:26):
in years, and trying that itwas creamy. I don't know how they
have done that. But to alsoget the hydration benefits from coconut water,
I personally put coconut water in myprotein shakes after I work out, just
to change it up, give ita little bit of flavoring. But I
just this summer has been so hot, so sometimes drinking water it doesn't get

(07:48):
into your blush stream if there's notelectrolytes in it, or if you don't
have some perform of sodium or coconut. So having coconut water it can help
ease your hydration by going into yourblood stream faster than water. I couldn't
agree more. I love coconut waterbecause it's truly proprietary in its health benefits.
I mean, you have potassium andcalcium and magnesium. Those are all

(08:09):
electrolytes and they play such an importantrole in helping maintain heart health, liver
and kidney health, digestive functions,healthy blood sugar levels, muscle and nerve
functions, and just so much moreso I specifically started drinking it after I
had a dose of radiation therapy formy thyroid disease. But I also use
it as a cure all for hangovers. I'd give it to my daughter on

(08:31):
a hot day, you know,on a hot summer day, so I
could replenish her fluids. But toyour point, hydration is extremely important.
Can you share any instances where coconutwater has made a significant impact on your
training or recovery. Yeah. Forme, the thing that I like about
one spot of coconut is does sugarsthat it use. It's all natural.

(08:52):
So sometimes when I would have othercoconut water, I would find myself like
crashing because of the sugar. Andif I have a little bit of low
blood pressure after I do train,I do like to have the once blot
a coconut because I think it likespikes my insulin a bed and makes me
feel a little less lightheaded if Ican't, like go grout suit and I'm

(09:15):
on the way home driving, SoI always make sure to have that in
my gym bag. Definitely in thegym bag. It's a must. Now
it's interesting because you know, whenwe talk about hydration and replenishing fluids.
You're you seem to be training alot, You're in the gym a lot,
you're in the ring a lot.So can you share your most memorable
fight and what does your current trainingroutine look like. I think it was

(09:37):
memorable if I would probably be whenI was in school, I was in
developmental and me and a girl namedher name was Paige and wwe and now
it's Surrey. Her real name isSuran. She wrestles for another company.
Aw. We were one of thefirst women's matches to get two segments,
so meaning they go to commercial andthey come back. Usually the women were
only in one segment. So thatwas really fun. And it was nice

(09:58):
to be in the ring with afriends because we really couldn't beat each other's
but as hard as possible and notbeing mad at each other afterwards and none
know that it was personal. Sowe had a really good match and I
still was really new and she wasa bet, so I really appreciated that.
And yea, as far as traininggoes, I would say, I'm
in the gym. It depends onmy mental health. If my mental health

(10:22):
is declining and horrible, I'm gonnado every day because that is just like
my saving grace. It helps myanxiety so much. I'm walking on the
treadmill at least twenty minutes a dayif I have a lot of anxiety.
Mentally, as I'm doing well,I'm probably lifting weights like four times a
week. I believe on rest days, you know, your body has to
recover. But I just did NewYork Fashion Week and I have not worked

(10:46):
out it in like a week becauseNew York Fashion a week was just so
insane. So I'm gonna get ingym. Say so, you're currently modeling,
yeah, walking runway shows. You'restill directly affiliated to THEE. What
is your long term roadmap? Ijust don't have one. If I think
after COVID and after twenty twenty,it's when I stopped planning life and I

(11:11):
was like, you know what,I'm not going to save anything. I
found myself doing that before twenty twenty, like oh maybe next year, maybe
I'll do this. And this yearI'm an I've never been in Croatia.
It has to be in Croatia.I went in July. You know,
just certain things where I'm like,oh, should I take off work?
Should I say no to that job? Because I really want to do this.
Yes, yes I am, becauseNaNs what at the future holds after,

(11:35):
you know, being in the pandemic. So I definitely can't be boxed,
and that's something bad. I enjoyit by myself. But yeah,
I would love to have kids andsettle down one day. But until that
day comes, I'm your robn.Kay. Well, you know they say
the key to success is to neverslow down. You always have to keep
moving. Now, why don youthink once upon a coconut brand has taken

(11:56):
off as quickly and successfully as ithas, And why are all these VIPs
and celebrities like yourself major endorsers?Yeah? John Tiaronda the owner of one
s Black corocaut He's just a goodhuman. He is involved in the Down
Syndrome Foundation of Florida, and that'soriginally how I met him. I was

(12:18):
doing a charity project with a kidthat had Down syndrome and we were partnering
with a guy on Instagram named Charlieis his candle and John is just so
giving, He's so selfless, andhe has helped fund so many dreams to
come true for less fortunate people thatI do think there's so many of us

(12:39):
there have just been like, well, whatever you're doing, it's good enough
for me. Like, we don'teven send me the coconut water, Like,
let me taste it, sure loveit? How can I help?
Because John is just a good souland we you know, he's having a
public speaking convention and I know thatjust happened last month, and we have

(13:00):
a lot of big names coming.So just good vibes all around for John.
John and Ray and Mark and Alanand the entire crew are salt of
the earth, ye kind of creuple. And what's more interesting is that the
influencers and celebrities and the crew thatendorses Once Upon a Coconut really truly not

(13:20):
just I'm not just saying it becausethe number one there a platinum sponsor of
our show. But the taste isso good and I'm a huge fan of
coconut water, so when I tasteit, I was like, Wow,
this product is next level. Butagain to your point, what can we
do to help? How do weget this out there? How do we
continue to make dreams come true?You know, I also love Once Upon

(13:41):
a Coconut because they give back tenpercent of every purchase goes back to a
charity of choice for that month,And I particularly love once upon a coconut
because their cans are BPA free,so and BP can seep into foods and
beverages from containers that are made withthat chemical, and exposure to it is

(14:01):
a concern because of the possible healtheffects on the brain and processing line of
fetus's, infants and children. Itcan also affect children's behavior, So I
always look for cans that you knoware definitely BPA free, So that's a
huge plus. Now we have twominutes left. But have you ever gotten
badly hurt and if so, whatwas the injury and how long did it

(14:22):
take for you to recover. Yeah, I'm pretty lucky. A lot of
girls had on torn ACL's blow kneesand stuff like that. For me,
I just have a bone spur ina vertebrae. I just have a bone
spur and a vertebrae in my neckand just a bone spurn and thoracic outlet,
which a lot of baseball players,a lot of pictures have it,
and a lot of people that incar accidents later in life. And basically

(14:45):
it's just a fancy word for nervedamage. So it's something that I've worked
through in life, being aware andconscious if I'm up in my shoulders a
lot, which a lot of uswhen we're sitting at a desk are so
nothing too bad, but I do. I don't. I's super heavy in
the gym because I get migraines fromit. So just learning how to list
around my injuries. Well, yousure know your body, you sure know

(15:07):
your style, you sure know yourgrace, and you've got it going on.
You are one incredible human. Thankyou so much for coming on and
chatting with us today, and moreboorly, thank you for being such a
supporter of Once Upon a Coconut.Thank you guys for having me absolutely Guys,
that was our Hydration with Heart segment, brought to you by Once Upon
a Coconut. That was the incrediblytalented and beautiful Danielle Mone. You can

(15:30):
check her out on the Gram atDanielle Mone and that was Once Upon a
Coconut Hydration with Heart segment. Youcan head directly to Once Upon a Coconut
dot com and you can check themout on the Gram at Once Upon a
Coconut. You're listening to a momentof zen right here on seven ten wore
the voice of New york iHeartRadio.We'll be right back after this. A
moment of Zen is brought to youby your Home TV. Hi, this

(15:52):
is Kathy Ireland here on a Momentof Zen brought to you by your Home
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(16:15):
We've developed this network just for you. Please check out your hometv dot
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is brought to you by co twoLift. As we age, our skin
loses moisture and elasticity, causing wrinkledskin. You can reverse this aging process

(16:37):
with COO to Lift. COO twoLift utilizes the powerful benefits of carbon dioxide
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cootlift dot com. Welcome back,beautiful Tri State area. You're listening to

(17:02):
a moment of Zen right here onseven to ten, wore the voice of
New York iHeartRadio. I'm your host, Zen. Sam's up next in our
Going Deep segment, brought to youby CEO two Lift, We're featuring doctor
Michelle Henry, a board certified dermatologicsurgeon, speaker, trainer, and author.
She serves as the CEO and founderof Skin and Esthetic Surgery of Manhattan,

(17:23):
as well as the founder of theHenry Research Group. She focuses on
high risk skin cancer treatments, cosmeticsurgery, hair loss solutions, and skin
rejuvenation techniques. She has contributed significantlyto the medical community through her extensive publications,
authoring numerous articles and book chapters ondermatology. Today, she joins me

(17:44):
to chat all about debunking skincare overthe counter, what we call OTC versus
medical grade products. Now, inflationdrove the cost of everything up as of
lately from gasoline to eggs and beyond. This has many people wondering if it's
to drop extra bucks on medical gradeskincare when there are so many less expensive
over the counter options out there.The skincare industry is big business, and

(18:10):
it's set to jump from a worldwidevaluation of one hundred billion dollars in twenty
twenty one to one hundred and fortyfive billion in twenty twenty eight. That's
a whole lot of creams, cleansers, and wrinkle reducers. So how do
we pick the right products without compromisingour beauty and bank Well, our export
at hand is right here to guideus. We're excited to have her help

(18:30):
us navigate the often confusing world ofskincare products. We're chatting debunking skincare over
the counter VISUS medical grade with thebeautiful doctor Henry. Thank you for joining
us, Hello, thank you forhaving me. Thrilled to be here,
absolutely so excited to chat with youtoday. So you actively serve on multiple

(18:51):
medical boards, You conduct FDA clinicaltrials, act as the US consulting dermatologists
for Keels, and are a memberof the Product Validation Born at Loreal,
you are a distinguished Fellow of theAmerican Academy of Dermatology, American Society of
Dermatologic Surgery, and American College ofmost Surgery. Now one would definitely call

(19:11):
you an expert. Can you brieflyexplain the key differences between over the counter
what we call OTC skincare products andmedical grade skincare products. Yes, So
the primary distinction is in the concentrationof the ingredients. So medical grade in
the same way that we look atpharmaceutical grade medications, they have been better

(19:33):
studied, so we have actual datathe concentration of the ingredients, it's much
higher. Because of that, it'smedical grade, so it's distributed through a
physician because you need guidance to makesure that you're not using these super concentrated
ingredients in a way that might harmyour skin. And so for me,
I sell medical grade products in myoffice. I will not have a product
in my office until I've seen yourpapers, I've seen your data. It's

(19:56):
approaching the level of studies that we'realmost seeing with pharmaceutical grade products, and
that's really important. So if I'ma dermatologist and I'm promising you them offering
you the best, when you're comingto me, you've tried everything else,
so I have to offer you asolution that's going to give you results either
faster or better than when you canaccess on your own. Now, I
say that to say, I lovehow you said about there's inflation. Does

(20:17):
that mean that everyone has to paythe big dollars to get good skincare?
Not necessarily in the same way thatyou can get to the same place in
a Ferrari versus a Corolla. Youknow, they're both going to get you
there, but the timeline is goingto be a little bit different. You
know, the accessories are going tobe a little bit different. So there's
great over the counter skincare, Butif you want something that might get you

(20:37):
there a little bit faster, mayget you there a little bit more elegantly.
If you are at your wits end, then you're going to want to
graduate to something that's medical. Great, that's a great analogy. I love
how you put it simply like that. You you know, when you translate
it into cars, now we allget it right. So it's also a
question of regulation, I think becauselabels are deceiving. I mean, for
example, food and products labeled asorganic are regulated to meet certain standards,

(21:00):
but the word natural right has nosuch stringent requirements to meet. It's sort
of the same for skincare products,you know as pharmaceutical products. Medical grade
skincare is strictly regulated by the Foodand Drug Administration to meet certain standards for
both effectiveness and safety. So ifa product says it reduces fine lines by
altering the body structure, to yourpoint, it should have proof to back

(21:23):
it up, usually via clinical trials. And you know, my issue is
use over the counter skincare products.However, they don't have such requirements.
So if a product simply you know, for example, products that simply moisturize
or perform other surface level cosmetic tasksare not considered pharmaceutical, so they're not
regulated in the same way. SoI always would like to opt for the

(21:48):
medical grade stuff. To your point, now, is there a difference in
the level of active ingredients that areallowed to be offered over the counter.
So I will say this that medicalgrade is still not FDA or proof.
It's just collectively, when we allowsomething to be labeled as a community medical
grade, we have a higher expectationfor it. So it's not quite at
the level of a pharmaceutical grade product. But the expectation around it and the

(22:11):
backing around it in terms of physiciansactually having it in our office means that
it's going to have better clinical studies. It's going to at least have clinical
studies because over thecounter doesn't have to. Now, what is also expected of
it is that, yes, theactive ingredients are going to be higher.
You know, it comes at ahigher price point, and you can't just
tell us or patients. You know, everything I offer a patient, my

(22:32):
entire reputation is on it. Soif I tell you that this is better,
that is my entire career that I'mhanging in this one encounter. So
a better habit in there. So, yes, the ingredients are going to
be higher. They're going to beThey're going to have better vehicles, meaning
that it has to penetrate. Soin skincare, you could have the best
ingredients, but they can't get inthe skin. Could just spend all her
money on something that's just sitting ontop of your skin and not doing the

(22:52):
work. So it has to havea vehicle that can get into the skin.
If we think about our skin,our skin is a barrier. It's
made to keep things out. It'smade to waterproof our body, keep the
good things in and keep the badthings out. So for a product to
actually get in, it has tobe quite smart, and a smart product
has to be based on good technology. Now, as technology advances, better

(23:14):
technology becomes cheaper, but it's arat race. There's always something new coming
out. So you can get fantasticover the counter products, and I recommend
them all the time because not allof my patients can afford medical grade skincare,
So I have to give a rangeso you can get good products at
a lower cost. But you haveto know where to look. You have
to know what technology is real,you have to know what brands are legit,
and you have to know who istrying to give you good science and

(23:36):
good products. Well, I'm abig endorser of purchasing the products directly from
the dermatology office or from the doctor'soffice because, to your point, the
major difference between OTC and medical gradeskincare is how they are purchased. Because
products can be bought at any numberof retail establishments right including your corner drug
store, while medical grade items,with all their concentrated goodness your point,

(24:00):
are typically bought at drham offices ormaybe even online. Of course, there
are some prescription only acne and othermedications that require an RX, but those
are next level and don't fall intoeither categories. So yeah, I'm i'm.
If you can afford it, buyit from you from your physicians office.
Now, what about benign ingredients?What are the top trending ingredients in

(24:22):
skincare today and is there a differencein trends between OTC and medical Yeah,
for sure. You know a lotof when I think about a lot of
the medical grade companies, they haveamazing research. You look at companies like
Loreel, who has a huge investmentin research development and the finances to do
close to pharmaceutical grade research. They'remaking their own ingredients, they have proprietary

(24:42):
ingredients. It's very hard for alot of like indie or like you know,
lower cost over the counter brands tocompete with some of these a bigger
brands or medical grade brands under theumbrella of these bigger brands. So you
know, you want to really makesure that you are you're looking at the

(25:02):
brand, but the ingredients that we'relooking for kind of these ingredients are easy
to access. Are some that you'veheard. I'll talk about some that you've
heard that are still popular and somethat are new. So one, hyaluronic
acid. Hyaluronic as is everywhere.It is easy to make really fantastic inexpensive
hyaluronic acid products, so the onesyou're seeing over the counter can be really
fantastic. Those are ingredients that youcan get a fantastic hyaluronic acid serum over

(25:23):
the counter. Niacinamide is everywhere.So niacinamide is basically vitamin B three.
It's great for brightening, so it'sgreat for brightening all skin type, so
everyone can use it, whether you'redark or you're fair, it's going to
help the even on your skin tone. It's really well tolerated, so we
see that everywhere. Ret retinaal retinalretinal retinal. I mean I love retinal.
I feel like if you could toleratethat, you should be using it.

(25:45):
Retinaal has been around forever, sotechnology has gotten such that we can
make pretty good stable retinaal over thecounter, so you can get great retinal
products over the counter. Now,there are some other products that are a
little bit newer and becoming popular,so like snail muse and snail musin is
coming in from Korea. Super popularingredient. Snail musin is essentially snail slime,
that slime that we see when thesnail is moving. But what does

(26:07):
it have in it? It hashyaluronic acid, has some bicolic acid,
has some anti microbials, so youknow it's going to kill some bacteria.
It has peptides in it, soit's a fantastic ingredient. We're seeing more
natural ingredients and more botanicals out thereas well, so we're looking to harness
science to get the best out ofthe natural world because that's really a hot
topic as well, and invested interest. Tranexamic acid. You're going to see

(26:30):
a lot of that, and that'sa long, scary word that scares people,
but we've been using it in medicineforever for many other reasons, but
now we realize that it's anti inflammatoryand it can really help with brightening the
skin. So another really popular ingredientthat its technology has gotten better. It's
gotten cheaper to make, so it'sexiting medical grade and now we're seeing it
in over the counter, So lotsof interesting things on the market now.

(26:51):
Fantastic You're like the Derman cyclopeople Youare incredible. Now I want to talk
about a new product, not newpro I'm sorry. I want to talk
about a new ingredient, if youwill, that's been around. It's newly
trending, but it's been around sincethe nineteen thirties. So it's carbon dioxide
is an ingredient. So when weknow that through through studies, but even
in the nineteen thirties, when infusedinto the skin, COO two immediately diffuses

(27:17):
at the cutaneous and muscular microcirculatory levels, resulting in higher tissue oxygenation and neo
angiogenesis, and the blood vessels widened. It increases the transport of oxygen body
tissues for cellular regeneration and anti inflammatoryeffects. I'm curious to know what do
you think about carbon dioxide as aningredient and as a treatment therapy. I

(27:38):
think it's fantastic and I think thatin many ways is underutilized. If we
think about just how we breathe ingas exchange and how we evolve. Do
we are evolved on this like COtwo oxygen curve, that's how we do
everything that we do. That iswhat human life is. And so it's
it's it makes sense that it wouldhave such profound wound healing properties such.
It's just profound properties in terms vascularization, which is critical to having healthy skin

(28:03):
and healthy tissue. And so bringingthis over to beauty is kind of natural.
You know, we've been using itin wound healing for a really long
time. You know, we don'tdo carboxy therapy where we're infusing CO two
into the skin actual CO two notthrough skincare as much in the States,
but if you go to countries likethat are the motherland of beauty, like
Brazil, it's a really popular treatmentand we use it for everything from skin

(28:26):
rejuvenation to stretch marks. So Ido a lot of international speaking, and
when I'm sniffing around at all theinternational counters and seeing what's new and hot.
CO two has just been growing internationallyfor a long time, and so
we have some CO two over thecounter products as well and medical grade products,
and of course medical grade is goingto be the most effective. One
that I use in the office iscalled the CO two lift, And so

(28:48):
what happens is that when we putCO two on the skin and this gel
allows it to stay in the skin. What happens is there's a rush of
oxygen, and we know the oxygenis critical to having healthy tissues everywhere.
That's what we're looking to do.We're looking to increase blood circulation, get
oxygen everywhere we can. Because whatdoes oxygen, brain health, youthfulness,
robust skin, healthy robust tissue helpsto stimulate hydration. And so what this

(29:11):
product does and you can use itboth on the face and below the waste.
There's also vaginal treatments, but it'sreally helping to harness the body's capacity
to heal and rejuvenate itself. Incredibleinformation. Once again, not since you
said down there the vaginal part,let's talk about the new female trend including
skin down there, Yes, abouta minute and a half left. How

(29:33):
do you, as a dermatologist helpyour patients with vaginal rejuvenation? Yes,
so as of a dermatologist, I'mtreating the whole patient and as a dermatologist,
as a female dermatologist, any femalephysician is a part of women's health.
You know, like for me toignore these conversations, I would be
remiss as a physician. And sothis is a concern that patient that my
patients are coming in for a they'rediscomfort. So as women age and become

(29:56):
perimenopausal or premenopausal, or as we'rejust change throughout time and we're taking different
medications, we have different things thathappen. You start to get vaginal dryness,
and not only is it uncomfortable,but the appearance there can make a
lot of women feel really insecure.Right, And my job is to empower
women through all avenues, through lookinggood, feeling good, and being comfortable.

(30:17):
So it's a conversation I have inmy office. Now. There are
a lot of lasers and whatnot thatclaimed to do this. You know,
many are not FU approved for thatindication. It's become an area of controversy
between esthetic physicians and our A gynecologistsand the FDA, who's not quite sure
what's safe and what's not safe.So having something that's non invasive that can
still help to stimulate hydration, youknow, improve the comfort, potentially improve

(30:41):
the thickness of the vaginal wall tomake you know, sex more comfortable,
to increase the hydration of the labia, because you know that's also something women
get insecure if that area looks differentthan it used to look, and you
know it's a conversation. We shouldfeel comfortable talking about, right, and
so a lot of women are reallyhappy to be able to use CO two
in that area where it's safe.It's something they could do at home.

(31:04):
It's something that they have control overto improve their comfort and their their overall
sexual wellness and confidence. Well,you said it all. I was going
to say, you know, theCO two lift V I'd used it and
that was the first product I usedwith the carboxy therapy, and the skin
down there completely rejuvenated, I mean, lifts, hydrates, rejuvenates. For

(31:27):
me, it was just three applications, but when you talk about tightening and
lifting it all, it basically didthat, you know. So for me
it was simple. Enhancing circulation wascritical to me, rushing that oxygen rich
blood to tissue, and regenerating yourselvesdown there to improve sensitivity and lubrication.

(31:47):
For me, it was a phenomenalover the counter, you know, very
noninvasive type treatment. All right,let's get to our bonus question. So
you know, you are really goodat what you do. You're on top
of your game. You're all aboutthe clinical trials, You're all about the
studies and the research. You're aboutbacking the science. So the way we
learn how to prevent, diagnose,and treat illness is via clinical research,

(32:10):
and many different elements of scientific investigationare involved. It involves human participants and
helps translate basic research done in labsinto new treatments and information to benefit patients.
What is your expectation as a provideron clinical research and what is the
difference between clinically proven and clinically studied. Yes, this is very, very

(32:30):
important because something else I'm really investedin is truth in advertising. And that's
whether it is truth in advertising ofthe physician or provider that you're seeing,
truth and advertising of the claims ofwhether it's a pharmaceutical grade medication or an
over the counter or medical grade medication. It is so important, so critical
to what we do. I ampaid for my judgment people and trust that

(32:52):
I'm going to make the right decisionson their behalf. And what we advertise
and what we tell is so criticallyimportant the entire healthcare system. We have
to be honest, you know,and so clinically proven means that it has
been tested, we have had research. It now meets a statistical significance,
so it's not something that's a fluke. It is it is reached statistical levels

(33:13):
where we feel very certain and wehave strong confidence that this result reflects the
majority of society. Right. Webelieve that most people are going to get
this positive result. Now, clinicallystudied means nothing. Right. I could
study, I could say that ourstick is good for the skin, and
it's been I'm clinically studying it.We know that it is not right.
I am not giving you a conclusion. I am just telling you that I

(33:35):
have chosen to study this area ofscience and it means nothing. And as
physicians we have to be very careful, and as consumers and as individuals we
have to be very critical and advocatefor ourselves because that language is tricky.
If you're clinically studying it, thenlet me know your preliminary studies. What
does that even mean? You know, so I would not hang my hat
on clinically studied. I could studyanything, right, But what has been

(33:58):
proven? What is your preliminary data? What are you seeing? What are
the trends? And because something isbeing studied, it does let me know
that this company at least is dedicatedto research and development enough that they're studying
it, but it gives me zeroconclusion. So it's kind of a handclap.
I'm glad you're doing that, butcome back when you have something that
you've proven, or climb back whenyou have some data that you can give

(34:21):
me that I can make good clinicaldecisions on for my patients, and as
a consumer, that you can makegood decisions on for yourself. So there's
actually study I don't got a littlealong that shows that many patients forget whether
a label says clinically proven or clinicallystudied. And I think maybe some bad
actors are aware of that and theyrealize and when people here clinical, they
forget proven or studied and they justbelieve that the work has been done.

(34:44):
So I encourage everyone to be goodadvocates for themselves and pay attention to that
language. You are so smart andthis is why you do what you do.
Thank you so much for coming on, Thank you for having me.
It's been wonderful. That was ourGoing Deep segment brought to you by cootwolift
dot com. That was the amazingdoctor at Michelle Henry, board certified dermatologic
surgeon, speaker, trainer and authors. She's also the CEO and founder of

(35:07):
Skin and Esthetic Surgery of Manhattan.You're listening to a moment of Zen.
Right here on seven ten wore thevoice of New York iHeartRadio. We'll be
right back after this. A momentof Zen is brought to you by Caldwell
Solms Incorporated, investing globally in transformativebusinesses like Original Digital Corporation or ODC.
ODC develops advanced consumer and commercial fintechsolutions such as ogpay, which will transform

(35:30):
the way you manage your money fromsending a receiving money globally for free,
paying for goods and services in personand online pay bills, buy and sell
digital currencies, all while earning interest. Ogpay is easy to set up,
FDIC insured, and your information issecured. Check out ogpay dot com.
Welcome back, beautiful Tri State area. You're listening to a moment of Zen.

(35:52):
Right here on seven ten wore thevoice of New York iHeartRadio. I'm
your host, Zen. Sam's upnets in our Financiteracy segment brought to you
by ogpa dot Com and Caldwell Zones. Today we're featuring Ashley Fox, a
former Wall Street analyst and expert inthe financial education space. She is the
founder and CEO of Empathy, afintech startup that is revolutionizing the way adults

(36:16):
and children learn how to build wealth. Empathy and its membership based wealth Builders
community app is literally the Netflix offinance. They're focused on creating life altering
programs and informative digital content curated toteach all aspects of financial education to adults
and children. Empathy has helped thousandsof adults and children become first time investors.

(36:39):
Their programs have been implemented in hundredsof schools, prison systems, and
organizations across the country. Her workand story have been featured on Jim Kramer's
The Street, Yahoo, Finance,CNBC, Fox News, ABC, Huffington
Post. That's just to name afew. Today, she joins me right
here to chat financial literacy, theAmerican survival story and why it should matter

(37:02):
to you. Welcoming down to theshow is the incredible Ashley Fox. Welcome,
superstar. Hi, how are you? Thanks for having me? Absolutely
so like com right in, everybodywants to know from an expert like you,
what is your assessment of the currentstate of the US economy and how
does it compare to the pre pandemicperiod, So I would say during a

(37:22):
pandemic, it was very sudden.I don't think we could prepare for anything
like that. But during that time, when a lot of people were getting
stimulus checks, the government was printingmoney, and anytime that happens, that
causes inflation to rise. So nowwe're in it when we're in an error
where inflation was high and they're tryingto decrease inflation, and in order to
do that you have to raise interestrates. So we're in a space now

(37:45):
where while our same as accounts,our interest rates might be going up,
so are our debt payments, soour mortgages, so our student lulls,
carlows, business alls. So we'rein a space now where people might be
spending, but they're really going tostart to feel that their debt payments are
going to go up. And whathappens is if consumers stop spending, it
impacts businesses, which directly impacts thestock market. I personally enjoy seeing times

(38:08):
like this when everything is going great, nobody really pays attention. But when
everything is like all of the newsand things might be going bad, people
start to get scared. But teachingfinancial education The first thing that people want
to do is one get very clearwhere their money is going, but also
how their money is working for them, because while I'm an investor in the
stock market, I think we're givingour money to these million dollars billion dollars

(38:29):
businesses, but we got to startthinking about how can I own these businesses.
If stock prices are down, theeconomy might not be its best.
This is the time where things arecheap. So while the news may frighten
people, I think it's the besttime to learn. I think it's the
best time to learn how to startinvesting because when the recession that we're into
or whatever they want to call whatwe're going into, what we're able once

(38:49):
we come out of that, youhave the ability to make money. So
I think one of the biggest thingswe have to do is really pay attention
to how we're spending, how muchdebt we're taking out, but also challenging
yourself to learn to grow, tolearn how to invest in the stock market,
because as things could get better orworse, you are in the position
to learn. You are in theposition to invest. And even if you
want to start with like fifty dollars, get into a space where you're starting

(39:12):
to think about can I own someof the businesses and I always give them
my money to no matter they stateof the economy. Well said, Well
said? And you know what knowledgeis power, education is key. Financial
literacy is at the core of itall. And I'm so glad that you
teach this and that you preach thisand that you practice what you preach.
Now, what key economic indicators?And we don't have to go in too

(39:34):
much details. Should people really belooking at people end businesses monitoring to gauge
the health of the economy for strategicinvestment planning? I think the easiest thing
if you're even if you're a beginner, is interest rates. Right, So
what happens is look at the FederalReserve like a mirrorgor round, right,
the the marrigor around the ride isthe economy. If it's going too fast,

(39:55):
it's like a mirrorgle round. It'snot a fun ride. And if
it's going to slow, oh it'snot a funda ride either. The Federal
Reserve is the person manning the marrigarounddetermining the speed, and the way they
determine the speed is by raising interestrates or decreasing interest rates. So the
more interest rates rise, the morepressure puts on companies and the more pressure
puts on consumers because of debt.Right, So I would say, if

(40:19):
you are begetting that's one of thebiggest things to be attended to. Our
interest rates continuously rising. Is theFed not going to raise interest rates?
Are they decreasing interest rates? Becausewhile it doesn't seem like something that impacts
everybody, you start to feel itover time. And so monitoring your interest
payments on your debt on the sameas accounts that you have, and really
getting crystal clear on how you're goingto manage your money because it looks like

(40:42):
people are spending money based off ofthe data. Right. I was in
the airport the other day. Peopleare still traveling, people are still shopping.
But it's also being cognizant that we'renot going too far into debt that
we're not able to handle it.And if interest rates continue to rise and
we really start to feel the wrathof what the Federal Reserve is trying to
change, we have to be ableto be prepared. But again, this
is the best time for you tolearn, for you to invest as as

(41:05):
as we start to really evolve inthis economy because the goal is to get
out of this like we don't wedon't want interest rates as high as they
all. We want them to goback down. But in order to lower
inflation the cost of everything, theFED has to raise interest rates and really
monitor that mirror go round so thatit's not going too fast and it's not
going too so. So I wouldsay, really paying attention to interest rates,
and on a deeper level, yourinterest rates, your bank accounts,

(41:28):
your credit cards, your student loans, your mortgages, your car loans,
and really desired if it's a fixedinterest rate or variable interest rate, because
if it's fixed, it won't change, but if it is variable, it
will move as the economy starts togo down or go up based upon what
the FED chooses to do. Youbreak it down so simply, that's why
you are the expert at what youdo. And it all comes back to

(41:50):
paying attention, listening, observing,and then reacting, not just being completely
reactive based off of what the Fedsare doing and not doing right, So
really taking the time to absorb theinformation presented. Now, let's chat ETFs.
Those running ETFs exchange traded funds,private market funds, and sustainable investments

(42:12):
are expected to attract the biggest inflows, and this is according to market analysis
reports. Now, the growing adoptionof actively managed ETFs should come as no
surprise. Major active mutual fund providershave entered the ETF fray by converting or
cloning existing mutual fund strategies are addingnew strategies now. The improved tax efficiency

(42:34):
of ETFs is a quick win forinvestors. I say, we're going to
see much more choice in the activeETF realm. There has been a lot
of choice in terms of individual funds, but there are going to be more
knobs and dials and portfolios so investorscan better control their exposure to taxes or
esg right, environmental, social andgovernance factors, or even other personal preferences.

(42:54):
How do you feel about ETFs andwhat are your thoughts on this?
Let first us what a ETF is. So the easiest way to understand what
ETF is is imagine. Imagine youthere's a basketball team. Right, you
can invest in one individual player,which is like buying an individual stock,
and ETF says, hey, Idon't just want one player, I want

(43:15):
to pick a bunch of different playersfrom the NBA, and I think if
you put that team together, wecould really win some championships. And then
the person who's managing the ETF isthe coach of all those players. So
essentially, you would invest in inETF if you don't want to or don't
know how to pick the individual playersthat you want to help make you money,

(43:37):
right, and so I think it'sa very unique way to get all
the players in one but for oneprice in an affordable way. So for
me personally, I like to pitindividual players, right, Like I'm I
think I'm really good at buying andholding. That's the type of investors.
So I'm not really trying to flipmy money in like really get rich quick.
I'm more of like, hey,I like this player. I'm gonna

(43:58):
work with this player because I leadthat you keep them, you know,
you have them in your portfolio overtime, they can evolve. Right now,
when it comes to people who arebeginners, ets definitely are a great
way to get exposure to different typesof investments because you can buy a real
estate ETF. You can buy aconsumer a consumer staples ETF. Right,
you can buy I had a socialmedia ETF, so I think it's knowing

(44:22):
what industries you like, what companiesdo you want to own, where you
say, hey, I may notwant to pick individual companies, but I
do want to get a different industry. I like this industry. I like
these companies, you know, Ilike certain dividend paying stocks. I like
this type of ets. I thinkit's a great way for people who don't
want to pick individual investments, thoseindividual players, because they may not know

(44:42):
or have the time to rely onan expert, that coach who does pick
those individual players for them. Ilove your analogies. You make it so
simple because now people can actually understand. You know, when you talk about
fast cars, people get it.When you talk about sports teams, people
get it. When you talk aboutETFs, You're like, uh so he
broke it down very nicely. Sonow now let's chat financial literacy. But

(45:04):
I want to focus on specifically forwomen. So many Americans are functioning in
today's environment with a poor level offinancial literacy. And this is more true
among women than men, and moretrue among underrepresented minority women than their white
peers. Especially problematic in today's environmentis the finding that financial literacy is particularly
low in the area of comprehending andunderstanding risk and uncertainty, which is what

(45:30):
you talk about now. On average, US women correctly answered only one third
of the index questions related to riskand uncertainty. The same holds true among
African American and Hispanic women. Now, this means that these ladies are ill
positioned to make decisions in the timewhen uncertainty and volatility dominate economic and financial

(45:52):
life, which is the current state. How do we shift this narrative,
Ashley? And why does it matter? So? I think we have to
first get to a space where wewere born in an economy that has taught
us to go to school, geta job, and get a job so
that we can pay for school.And nowadays that's not the only thing.
I mean, you can make moneyon. The times are just different even

(46:12):
when I was back on Wall Street. And it's getting people to a space
where you recognize you cannot save orwork your way to wealth. I'm sure
we all know people who were really, really hard. They may have saved
some money, they might even owna house, but they still aren't wealthy.
And I think it's about letting goof who we had been to then
define who we want to be tostep outside of our comfort zone. And
I think in the only way Ialways talk, there's two ways to build

(46:34):
wealth in this country. You investin your own idea or somebody else's idea.
That's it. Now. I runa lot of company amplified. I
quit my Wall Street job. Iwent through a lot to get here today.
I've been in the industry for forfifteen years. But not everybody wants
to get kicked out in their apartmenthave to start all over. Like.
Not everybody wants to do that oris willing to do that. But everybody

(46:54):
is okay with spending money. Weare phenomenal at spending money. We don't
have If I taught a class onhow to spend money, nobody's coming because
we've mastered that. But why arewe investing right? And it's one because
of fear. There's this fear thatwe're gonna lose money. But on average,
the stock market is positive and it'sup more than it is down.

(47:15):
But then you have to ask yourself, why is everyone preaching investing and I'm
the only one who believes I'm gonnalose, which means that there's a confidence
issue around that as well. SoI think it's more of enhancing our self
belief to say, hey, nomatter what I had been around, what
I have been taught, I'm goingto change my life and I'm gonna do
more because I'm We also got torecognize too, America doesn't work if we

(47:37):
don't spend money or take out debt. So if I've mastered spending money,
that means a company that I'm givingmy money to is winning. Right,
Well, what if you ask yourselfone if I became part owner of that
business, That's what buying the stockis. And so it's getting people out
of the mindset, hey, I'mjust gonna save, because you can't save
your way to wealth. Saving isgreat, but it's not going to give
you the freedom that you're looking for. So it's positioning yourself to say,

(47:59):
hey, I know I can dothis. I'm gonna learn, I'm gonna
grow, and I'm not afraid tostart small. So many people think because
I don't have a lot, I'mnot worthy of building wealth. Wealth doesn't
have a color. Therefore it lookslike all of us, It doesn't have
a gender, it looks like allof us. So putting yourself in a
position and say hey, I maynot have thousands, but I've got twenty

(48:21):
dollars, and there are accounts andresources out there where you can you.
I mean, there are some ofthe biggest of best companies are less than
two hundred dollars, and we spendmore money with these companies when it costs
less to own the company. Andso it's getting into a space where you
recognize I can start small and buildbig. But I'm gonna start today because
not starting at all is no longeran option. Can you said it?

(48:42):
Sister? Now we're about a minuteleft, so we're gonna speed through this
as fast as recount on what advicedo you have for individuals who are looking
to save for retirement, especially consideringthis changing economic landscape. So I challenge
people to start small and build big. If you have to consistently set fifty
dollars a month, let's fifty dollarsour way to a million. But also
get clear on how much you needto live the life that you want and

(49:05):
then work backwards because we don't recognizethat by the time we live a certain
life, the cost of living goesup every single year. So it's getting
clear on if I want to livethis life how much do I feel comfortable
with having every single month? Butwhat if I live until age eighty five
ninety? Now how much money doI need? But also start to consider
retirement as a focus. Start toconsider different investments that pay our dividends,

(49:28):
because now you're allowing yourself to investin companies, in different investments that allow
you to accumulate passive income that youcan live off over time. So again,
the biggest thing for me is geteducated and to just start learn as
much as you can. But putyourself in a position and not be embarrassed
for setting aside twenty dollars towards yourretirement. You're not behind, You're not
a bad person. You are inthe right place at the right time to

(49:51):
do what you're ready to do atthis moment. You are a motivational speaker,
not just a financial expert. Girl. Now what resources are educational tool
do you recommend for individuals who wantto improve their financial literacy and really better
understand the economy? So I wouldsay taking different classes, following different people
on the internet. Now you wantto follow people on the internet, but
you'd like to do everything that they'resaying, but consume the information it's a

(50:14):
free class that I've been doing fora lot of people who are beginners who
want to build that passive income.So you can go to cashlow Creation Training
dot Com. There's a ton offree resources that I offer. But put
yourself in a position to learn anew language. And when you learn a
new language, you have to readit, you have to speak it,
and you have to immerse yourself init. So challenge yourself while it's uncomfortable,
I'm going to take that class andI want to challenge myself to understand

(50:35):
because my livelihood and my financial futureis dependent on it. But you can
go to our website andplif dot comor cashlow Creation Training. We have a
free class helping beginners start to reallylearn how to invest and as simple and
easy to understand. Why girl,I love everything you're saying. You are
fantastic. Thank you so much forcoming on. Thank you for having me.
Oh gosh, it's incredible. Thatwas her business and bus segment brought

(50:58):
to you by OGPA dot com.That was the incredible Ashley Fox. You
can check her out on the groundat Underscore Ashley M. Fox. You
can check out her incredible company addEmplify and you can go directly to cash
Flow Creation Training dot Com. Now, one thing is certain. The US
economy is a large, complicated machinethat can sometimes defy expectations, and the

(51:20):
levers of the Federal Reserve uses tofine tune that machinery are imperfect. So
even with the FEDS clearly defined plans, it's anyone's guess exactly how the economy
will respond to its maneuvers in thenear term. You're listening to a Moment
of Zen right here on seven tenw R the voice of New York iHeartRadio.
We'll be right back after this.A Moment of Zen is brought to

(51:42):
you by your home TV. Hi, this is Kathy Ireland here on a
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(52:04):
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(52:25):
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(52:45):
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(53:07):
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