Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:06):
And we are back with the Kristin Agochian Show. And
debt is something that we're all familiar with in varying amounts.
You know, it's something you have, not necessarily something that
defines who you are. You know, it's first and foremost,
it's a tool that many of us use to craft
and achieve our goals. And heck, like any tool, it
(00:28):
can be used to build and if swung incorrectly, it
can also put us into a temporary world of hurt.
And reminding our listeners coast to coast that debt is
something that you have the proactive capability to reduce and
rig yourself of. That's an important message too, and that's
the goal of this year's Financial Practice Week, along with
(00:50):
the sobering info. Are you guys ready for this? The
average American household debt now exceeds one hundred and three
thousand dollars and that of course it's mortgages and student
loans and credit cards, the usual, you know, the kind
of debt that you can make work for you or
work against you. And those who are forty to forty
nine years old hold the largest amounts of debt, and
(01:13):
here to break down those numbers just a bit more.
Joining us via our Newsmaker line is doctor Erica Razure,
recognized as one of the world's most influential personal finance experts,
and we love having her on. Doctor Reza welcome, Oh.
Speaker 2 (01:27):
My gosh, thank you so much for the great indro.
I'm so happy to be here.
Speaker 1 (01:30):
We are so happy to have you back. Talk to
us a bit about the goals of this year's Financial
Practice Week. What are the numbers you're seeing out there,
and tell our listeners a bit more about how exactly
this week came to be.
Speaker 2 (01:43):
Absolutely well, it's super exciting. This is the first year
of Financial Practice Week. And you know, as we most
of us know, April is Financial Literacy Months, and Financial
Literacy Month is wonderful in the sense that it's always
been dedicated to learning about our finances and going a
little bit deeper with our and understanding and so in
working with beyond Finance, you know, Financial Practice Week has
(02:06):
really become a compliment to that in the sense that
we want to encourage and support and empower people to
move from that learning stage, that awareness stage, into that
state of action, into that state of doing, because so
many times we have the knowledge we have the understanding,
but there's often a barrier that gets in the way,
(02:28):
and we're here to help people overcome those fears and
break those barriers and move toward a happier financial future.
Speaker 1 (02:36):
That's brilliant and I'm taking notes as we're talking here.
You put that so well, and we've got a lot
of listeners out there, coast to coast, hardworking people. You know,
they really put the nose to the grindstone. And everybody
out there has a debt situation. I mean, chances are
excellent you owe money to somebody. It is the way
of the world that we live in. Again, it can
be done proactively. It's how we build our businesses, it's
(02:57):
how we you know, it's how we purchase a home.
Debt out there. But there's good debt and there's bad debt,
and people are moving to take action to reduce that
unhelpful debt, but they feel daunted by you know, what
do you recommend for first steps? How do we go
about doing that?
Speaker 2 (03:14):
You know, you said something really important. I think that
deserves a mention here. You know, debt does not discriminate.
You know, debt can be used for good, and debt
could be used for you know bad, right, it's a
tool that can be wielded. But sometimes life situations, you know,
get us into a debt situation. And it doesn't matter
how much you make or how much you don't make right,
or your education or how much you don't have. And
(03:36):
so no matter what circumstances bringing you to debt, it's
really important as a very first step to seek crystal
clarity on what what it is you know, what you
don't know, and what you would like to know. And
this applies not only to debt, you know, but also
to other areas of your financial management, but in particular
(03:57):
with debt because we so many times when it's the
quote unquote bad kind of debt, we internalize that, you know,
debt is something you have, it's not something you are.
But so many of us have been taught over the
years through various generational messages, you know that the debt
is bad. Any kind of debt is bad. If you
take it, you owe it. And so there's there's shame,
(04:20):
and there's guilt, and there's these emotions that are so
deeply attached to that that it's hard for people to
separate themselves from their debt and the negative emotions that
go there, and so it's really clear to understand first
if you are carrying any of those you know, money
scripts or those values that aren't maybe even necessarily yours,
(04:40):
but you haven't yet had a chance to parse through
because you've been managing the financial side of your debt
without there's the debt burden, and there's the mental and
emotional burden. And making sure we're good on that mental
and emotional side, or at least working on that, only
helps us as we pursue the more technical side of
(05:00):
managing our debt.
Speaker 1 (05:02):
You are so right, and it's so multifaceted, isn't it.
And you touched on one of the most important points
of financial health that so few people talk about, and
that is the psychological effects of carrying debt. Dig a
little deeper into that if you would. You know, I
often equate it to that proverbial shackle around your ankle.
(05:23):
You know, it will drag you down and slow you
down from your goals in huge ways compared to some
compadres out there that maybe have less college loans or
they have less credit card debt. Literally debt when it's
in the wrong form can really slow you down from
those goals. Touch on that just a little bit, if
you would, about the psychological effects of debt.
Speaker 2 (05:44):
One hundred percent. One of the things I hear a
lot from my clients beyond finance who are on their
debt journey is they feel very chained to their debt,
almost as if they're in a real life debtor's prison,
which is a absolute place of hopelessness where they don't
feel like they are deserving or worthy enough to coexist
with their debts. It's almost as if debt becomes this
(06:09):
all encompassing black cloud of doom. Not only that is
debt is very difficult to talk about. You know, we
don't even talk about money in polite company right when
things are good, let alone when it's it's bad. So
when when things are allowed to grow in the dark,
you know, there's this adage that says, you know, we're
only as sick as our secrets, and when we are
(06:31):
holding that that secret, shame of debt can make us
just feel this tremendous sense of loss and grief and
unworthiness and feel like there's no escape. Once people start
to realize that they are not alone and that there
are people out there that can help them beyond maybe
(06:52):
what they had ever thought possible. Things change in a hurry.
It becomes the shift from you know, living in this
debt or prisoner just existing there to actually living.
Speaker 1 (07:03):
That is fantastic and we are so interested in helping
our listeners do exactly that. And something I wanted to
touch base on because you've got such an amazing you know,
touch around the country with regards to people of all
different financial backgrounds with this. You know, when people have
a physical ailment, they go to a physical therapist, right,
And when people have an ailment with their car or
(07:24):
an appliance, you know, they go to a professional to
fix it. And yet when we have a financial ailment,
so many of us are hesitant to seek out a
professional to remedy it, right. You know, I guess people
have to feel much more hesitant. I guess when it's
their own financial circumstances. Perhaps talk to us a bit
about the role that a you know, quote unquote financial
(07:45):
therapist can play in helping manage expenses and really help
people take it to the next level with their money.
Speaker 2 (07:50):
Sure, and that's a that's a great analogy to make.
You know, when when people are coming to a financial therapist.
They at some level they recognize, hey, I need some
support with you know, my emotional, psychological, kind of behavioral aspects,
cognitive aspects that wrap into the way I experience money
(08:11):
in the present based on what I have experienced in
the past. And so when somebody comes to a financial therapist,
it's it is a lot of trying to figure out
why somebody is the way they are with their money
and going back to values. You know, we are taught.
I mean, most kids know what they'll know about money
(08:34):
by the time they're nine years old. There's there's research
out there on that, which is which is crazy when
you think about it, that the base understanding happens by
the time you're nine, and then you have all of
these messages that come from your social networks, you know,
as you get older, and so by the time you
reach adulthood, combined with the lack of financial education that's
(08:54):
out there, it can be really confusing trying to figure
out why why do I feel this way about money?
Why why do I feel so guilty when I spend money,
or why am I overspending? Or why can't I have
conversations with my spouse about money, or why am I
hiding my purchases from my spouse? All of those things
come together and they can provide a really good compliment
(09:16):
to you know, financial planning or you know any other
type of financial service that can really help a person holistically.
They work really well in tandem together.
Speaker 1 (09:29):
I love all this information, Doctor Resort. Where do we
send our listeners for more information on this? They're going
to hear what you're saying, They're going to want to
turn around their finances. Where do we point them to
to get the ball rolling on that.
Speaker 2 (09:39):
I would absolutely love for everybody to take a look
at what we're doing with Financial Practice Week and understand
how important it is to us to get this message out.
And the best way to learn more about that is
at the newsroom at beyondfinance dot com. You can learn
more about Financial Practice Week, find some great free resources,
and learn a little bit more about me and financial
(10:01):
therapy and what we're doing at Beyond Outstanding.
Speaker 1 (10:04):
And again, I knew the time would fly. Thank you
so much for taking time out of your busy schedule
to join us. You've got an open mic anytime. Please
come back when you can well do.
Speaker 2 (10:12):
Thank you so much.
Speaker 3 (10:13):
Have a wonderful day.
Speaker 1 (10:14):
Thanks you too, and we'll be right back right after this.
Speaker 3 (10:23):
Tuesday. The best.
Speaker 4 (10:29):
Circumstance just got all understand.
Speaker 5 (10:59):
I'm just.
Speaker 1 (11:06):
And we are back with the Christen Negopian Show. And
you guys, spring has sprung. No one is more excited
than I am about it. I'm loving the warmer weather
and the leaves coming out on the trees just delicious.
You know, my kids, beautiful, amazing kids. You can tell
they're you know, maybe your kids too. They're already phoning
it in at school because they can feel summer right
(11:27):
around the corner. Spring has sprung and its people all
around freshen up the routines from the closet to the kitchen.
Maybe you're one of them. Renowned celebrity chef Carla Hall
is taking it that next step with some amazing new
recipe ideas and tips to incorporate heart healthy oats, which
you know I love heart healthy oats beyond the breakfast table,
(11:50):
through dinner through dessert with some extensive new studies. This
is great stuff, guys, that shows how much they can
lower cholesterol, help weight control. So many things doesn't want that,
and of course oats don't break the bank, so it's
a fantastic one two punch. Carla, welcome, Thank you.
Speaker 6 (12:08):
It is so great to talk to you and to
be here talking about one of my favorite ingredients.
Speaker 1 (12:13):
And you nailed it because it's so versatile. You know,
I have used Quaker oats. It's always in my cupboard,
right because it works great in meat loafs when you
find that great ground beef sale. It works greating cookies
and the kids don't even know that there's healthy stuff
in it. It works great for the cobblers. And you know,
when you want to go really think outside the box,
you just make it for some breakfast and do it
that way too. Tell us a little bit about your
(12:35):
insights on it and what you're finding to work best
for your Quaker oats recipes these days.
Speaker 6 (12:40):
So some of the things that I'm doing for spraying,
So I have this triple berry smoothie. And the reason
I like this so you can take any berries, you're
taking bananas, water, ice, and then you're adding those oats
for the fiber. So this is something that I do
when I am judging the baking shows and I don't
want my sugar to spike because I'm eating all of that.
(13:02):
The desserts and I need something to absorb that sugar,
and so I have a smoothie every morning and then
I also have my oatmeal. But this is a way
whatever smooth recipe you have to add the oats and
to just mix it right in. Also, you mentioned meat loaf,
(13:22):
and I make meat loaf all the time. It is
one of my favorite dishes. My mother made a really
great meat loaf, and she is a self professed non cooker.
But to make it springy, and I'm thinking about the
meat loaf and as a slider, So I'm making it
in a sheet pan and pressing the meat down like
(13:43):
a half inch and then I cut them the size
of the bun, so you're not making individuals and Kristen,
to make it springy, I am taking a ready made
pesto and then I'm adding spring peas and putting that
in my food processor. To add in vegetables. Now that
could be kale, it could be broccoli, it could be anything.
(14:05):
To add an additional flavor and also vegetables to your pesta.
Speaker 3 (14:08):
Yum.
Speaker 1 (14:09):
Right, my gosh, that is so much above and beyond
what I do with oats. I mean, the meatloaf is
the big thing for me. Here's the next thing. My
daughter Katie is now off at school, and when you're
in your dorm room and you're looking for something hot
to eat, you don't want to go crazy. You don't
want to go down to the cafeteria, you know, that
huge long walk, and they all have dozens of packets
(14:31):
of instant Quaker oats in their rooms. So you know,
it smells really nice and you're smelling the cinnamon and
everything else. That's like, you know, food right off the stove,
according to you know, college students. So there's something for
everything with that, and that's what I love about it.
But you know, you touched on something so important earlier.
And that is, no matter what your age, you want
to do right by your body with regards to who
(14:52):
knows what you know, cholesterol or more fiber or whatever else.
And I love it when they come out with these
studies and they're and all of the big wag I
have great respect for, you know, all of the doctors
and the researchers, and they are astonished when it turns
out that Quaker oats can have the same sort of
great effect on cholesterol and everything else as some of
these big name expensive drugs and they're like, oh my god,
(15:13):
this just didn't And I'm like, really, I mean, because
the human body really would prefer to maybe have some
oatmeal as opposed to something with a big, long name
that just got invented yesterday. So when you come on
the air and you're talking about this, we've got about
two hundred stations coast to coast, And what they love
is when you have a solution to something going on
in their lives that isn't quite as scary as some
brand new drug and it costs far far less, and
(15:34):
it's something that's been around for generations. It just hits
this great trifecta. What's been the response when you've connected
with people coast to coast about all these various things
you can do with oats. It's got to be a
great win win.
Speaker 6 (15:45):
Oh, it's wonderful because now you're not just thinking about
the morning and the breakfast. You are extending this whole
grain to all of these different recipes, so lunch and dessert.
And you know, so my grandmother I watched her eat
oats every single day. My mother talks about having oats.
I eat oats in my head. I want to I'm
(16:08):
very competitive. My great grandmother was one hundred and three,
so in my head, I want to live to one
hundred and four. And so I think I look at
the way my grandmother lived, the way my mother lives,
and with my sister, and so it has sort of
become part of my DNA to follow in their footsteps.
And with the brand that I trust is you know,
(16:30):
Quaker oats and that familiar canister. And as a chef,
I look at it as an ingredient, not just sort
of porridge, like how else can I use it? And
so you think about in the meat loaf, for instance,
it makes the vegetables very moist it retains that moisture,
so whizzing the oatmeal with the mirror pa the carrot,
(16:51):
celery and onions raw that it holds that water, which
makes the meat very tender. And you've brought up a
really great point. So if you are do you know
you can do this any protein that's on sale, so
be it turkey like ground turkey, ground chicken, or ground beef.
If you want to do ground pork. By adding having
the technique and knowing how to put the moisture in,
(17:12):
then you're also incorporating this whole grain which your body loves.
Speaker 1 (17:17):
It's so true. And again I'm writing notes as you're
talking here because you're bringing up so many good points.
And one of the things that I wanted to touch
on because this is something that affects a lot of
our listeners Coast to coast, my husband especially. You know,
he's a guy, so he will just look at the
side of a oats container and lose weight, like, hey,
look at this. I looked at this and I lost
(17:37):
seven pounds. It's so different for guys. But that's a
story for another day. But one of the things he's
been doing lately to great effect is he's going more
gluten free. And what a lot of people haven't read
or aren't aware of is the fact that oats as
well is one of those incredibly inexpensive gluten free alternatives.
If you want to use oat flour, if you want
(17:59):
to put oats in the you know, oats and the
meatloaf like we talked about as opposed to regular breadcrumbs.
There you now have another gluten free recipe that won't
break the bank. People are finally seeming to realize it's
just it's a win win all around.
Speaker 6 (18:11):
When I was on Top Chef and they have the
integration with Quaker oats, and I ended up making a
like a risotto. I love this and I love having
it savory. I've used oats with beef and barley. I
have a risotto. I use it in pancake mix, so
the ground it, you know, I use it in so
(18:32):
many different places where it's savory with and those are
the great.
Speaker 3 (18:37):
With the steel cut, it's.
Speaker 6 (18:38):
Savory and you use stock and you can stir it
in like peas and carrots and vegetables, a little soy
sauce and you know, and so there's so many different ways.
But it's so warm and comforting. But so I thought
in the springtime, I can bring all of this into
the spring. That's something that is light and takes us
into the season, so you're you're not thinking about the fall.
(18:58):
So it's every single season that you can use Quaker oats.
Speaker 1 (19:03):
With the cost of food, kind of going through the
roof just a bit, it seems to me that the
price of oats is really holding steady, and that's no
joke for a lot of people really trying to keep
the budget where they have it. And I knew the
time would fly. Renowned celebrity chef Carla Hall, where can
your fans find you online? You are so busy these days.
Speaker 6 (19:20):
You can find me at Carlahall dot com on Instagram.
But for these recipes that I've mentioned, then more, you
can find those at Quakeroats dot com. And you are
going to be amazed at the variety and plethora of recipes.
Speaker 3 (19:33):
I love that.
Speaker 1 (19:33):
We'll put a link on our social media as well.
I know you got a busy day ahead of you.
Thank you so much for taking the time. You got
an open mic anytime please join us again.
Speaker 6 (19:41):
Oh thank you so much, and have a great way.
Speaker 1 (19:43):
Saying to you and we'll be right back gang right
after this, and we are back with the Christian agotein show.
And most Americans, myself included, say that they would like
(20:07):
to live to at least age ninety well passed. The
CDC's recently released report did you see this Guy's showing
an increase in life expectancy two seventy seven point five
years after two years of decline. Who loves to hear that? Nobody? However,
almost two thirds of respondents to a national survey said
that they would choose a shorter, healthier life over a
(20:30):
longer one with health issues. I guess that makes sense too,
but still, what a drag the survey. This is a
big one too, guys, twenty two hundred US adults. It
underscores a solid clash. I think it's the word in
Americans goals and realities around longevity. You know, with almost
you all see it. With almost limitless health related information
(20:52):
at our fingertips, and new healthcare innovations emerging daily, we
highlight a lot of them here on this show. The
American dream of extending book with our lifespan and the
quality of life really does seem possible, don't you think.
Despite this, only thirty nine percent of US adults say
that they're taking preventative health measures, you know, like and
nothing crazy, just you know, screenings, regular medical checkups. And
(21:15):
less than one third twenty nine percent are discussing longevity
with your doctor. It's like not discussing your car with
your mechanic. You know, you're right there in front of them,
get chatty. Only about half are focused on eating healthy.
I'm a little guilty of that too, you know, fifty
three percent and exercising fifty one percent. Yeah, I'm not
in that batch either, but you know I should be.
(21:37):
Despite diet and physical inactivity being leading contributors to chronic disease.
And while eighty percent, I'm almost done with the numbers, guys,
but these are important. While eighty percent of Americans believe
that healthcare technology can help them live longer and healthier,
only eighteen percent are taking advantage of it. All right,
So that's a lot of numbers, but they're important numbers.
(21:57):
What are we supposed to do about all the numbers? Well,
joining us be our newsmaker line is doctor Laura Moriy,
Senior VP, Chief Scientific, Medical and Regulatory Officer at Medtronic,
the leading global healthcare tech company. Good Stuff, and their
mission focuses on alleviating pain, restoring health, and extending life.
Who better to join is doctor Moury. Welcome, Thanks so much.
Speaker 3 (22:19):
It's great to be here with you today.
Speaker 1 (22:21):
Well, we've really been looking forward to it. Okay, So
I just threw a lot of numbers out there. Help
us break these numbers down just a bit. You know,
when you were looking at these reports, what were your
biggest highlights? You know, your biggest takeaways from the Longevity
survey results? What did they tell you.
Speaker 5 (22:38):
Yeah, well, the bottom line is that Americans do want
to live longer, for sure. I mean we heard that
the common fact was that people wanted to live to
age ninety, but most didn't feel that they necessarily knew
how to do that. And there's a big discrepancy there,
you know. It's I think that what's striking though, is
(23:00):
that beyond just wanting to live longer, Americans want to
live healthier. They want to have a better lifestyle, to
be able to do the things that they want to do,
to enjoy time with their family. And then that was
even more important than the number of years.
Speaker 3 (23:14):
It was more important to live healthier.
Speaker 1 (23:16):
It's so true. But you know, and you brought up
so many good points there, and what I keep circling
back to is the fact that when there's something wrong
with my car and you head over to the mechanic,
you let them take a look at it. I'll get
very chatty with them. You know, when you're in the
supermarket and you can't find the bananas that you're looking for,
I'll get chatty with them too, Hey how do we
do that? And then we walk into our doctor's offices.
(23:38):
You must have you know, you must be face to
face with this phenomenon all the time, and I clam
up like I'm trying to win a contest at it.
That seems to be one of the biggest barriers at
breaking through and getting the good advice that we need.
How do we combat that?
Speaker 3 (23:51):
For sure?
Speaker 5 (23:52):
I mean, and you can understand why this happens. There's
a limited amount of time. People feel stressed when they
go to see the doctor about something they're worried about,
so they may focus on just answering the questions. But
I think it's so important to bring your own needs
forward and express that you know, that desire to whatever
it is to make it to your you know, your
(24:13):
child's graduation, to make it to the trip that you've
been wanting to take, whatever that is, to bring that
into the room, because that's what brings the options forward
for things that you might be able to choose from.
Speaker 3 (24:26):
And more and more technology. We're optimistic about it.
Speaker 5 (24:30):
Many Americans, as you said, you know, they they believe
that technology could help, but they don't really know how.
Speaker 3 (24:37):
It will help them.
Speaker 1 (24:38):
Yeah, and again I'm taking notes as we're talking here.
One thing I want to circle back to is the
technology factor, because we've got so many wonderful geek fans,
myself included. We live in this amazing time with incredible
access to technology and information that a generation to go
we wouldn't have even dreamed of. And yet sometimes it's
getting hacked in the wrong way. Sometimes, you know, you'll
(25:00):
spend two minutes on Google and you're like, oh my god,
I have a fatal jungle disease. How did I get this?
And how? I mean, It's just it's hilarious sometimes when
you see you know, me or some of my friends
or whatever else and that just can't be our house either.
So talk to us how we thread this needle where
we use all of the amazing technology that's here in
front of us without losing our minds or thinking that
we have some weird alien disease.
Speaker 5 (25:22):
Yeah, absolutely, well, you know, I think I think the
analogy is that technology can actually some some ways become
part of the background.
Speaker 3 (25:31):
Right.
Speaker 5 (25:31):
You think about what we've navigated with how much cell
phones have changed our lives. Now we use them to
get from place to place to search anything you want,
just like you said, we're doing that on our phones,
and just ten years ago, you know, we didn't. Many
of us didn't have smartphones, so it's totally changed. And similarly,
there's a lot that's already happening in healthcare. So technology
(25:53):
is being used to screen for cancers. So those courts
of algorithms that you know, you think of where you
put in something in Google maps, we have those now
for screening for things like colon cancer, so that so
that things can be prevented earlier. And then you know,
there are other ways that minimally invasive procedures are being
done so that instead of having surgery oftentimes there can
(26:16):
be a less invasive approach, or miniaturized approach, or using
robotics to be able to guide surgery. All of these
things are making recovery times faster so people can get
back to the living their normal lives and spend less
time in the hospital.
Speaker 3 (26:33):
So really rewarding.
Speaker 1 (26:35):
Oh you're so completely right. And again I'm taking notes
as we're talking here, and because for all of my joking,
I always think to myself that each successive generation, you know,
the benefits of this tech far outweigh any kind of
hiccups that we might experience from it. That's just any
era when you introduce new technology, whether it's a car
or a needle or whatever else, you're going to happen
(26:57):
up and down about it. But at net it's always
great news. Where do you see, because you brought this
up before, where do you see the tech taking us
in the future. I mean ten years ago, you would
have never thought that someone could get, you know, maybe
a heads up on a symptom, but just by looking
at their phone while they're waiting for their kids, you know,
to pick up from school, and they see something like,
(27:17):
you know what, I do have some kind of symptoms
going on? Like that, maybe I get that checked out
where a generation to go it would have taken until
they walked through the door for their next checkup. And
I think, I think to myself, and again because I'm
in my fifties right, I think to myself that the
preventative measures that we're getting with today's tech are going
to save countless lives that we can't even possibly put
(27:39):
a number two. I feel like it's the preventative stuff
that is a huge, great advantage compared to a generation
to go. We've got these amazing treatments that we didn't
have all these years back. But I feel like it's
the preventative opportunities that are really jumping out of me.
I mean, maybe that's just my demographic. I'm a woman
in my fifties. But what are your takeaways with regards
(27:59):
to what you're hearing from your patients.
Speaker 5 (28:01):
Yeah, well, I totally agree that the preventative aspect is
going to be really important to make it easier, right,
to make it easier for all of us to get
the screening that we need and for it to be
accurate so that you can avoid problems in the future.
That being said, we also know that chronic disease is
definitely on the rise as we go forward. It's just
(28:24):
most people in their fifties already have a chronic disease
and you might not think of it that way, but
having just high blood pressure or diabetes, these are things
that are really important for us to manage and start
to crop up even in young people. And you know, techno,
I think technology is also going to help in making
it easier. So, just like all kinds of other technology,
(28:47):
whether it's you know, having a smart watch or whatever
makes our lives easier, more and more technology will help
make our lives healthier as well.
Speaker 3 (28:57):
So you know, the example there is.
Speaker 5 (28:59):
You know, we have sensors that take the burden away
from managing chronic illnesses like high blood pressure diabetes.
Speaker 1 (29:06):
It's so true. My daughter's friend, she actually has two
friends with type one diabetes. They're not even twenty years
old yet, and they have those monitors on their arms
and it's just back to normal. You know, life is usual,
that kind of thing, Whereas when I was a kid,
nothing even close to that and there was a lot
more risks involved. So, yeah, you nailed it. We've only
got about a minute left. But where can people go
(29:27):
to learn more about this extraordinary survey. I've never heard
of this kind of an in depth survey before, and
I feel like a lot of people would benefit from it.
Where can people go to learn more about that?
Speaker 3 (29:36):
Yeah? Great, great question.
Speaker 5 (29:38):
So if you go to metronic dot com, we have
a lot of more information about health technology and you
can search for more information about the Longevi survey outstanding.
Speaker 1 (29:48):
We'll put a link on our social media as well.
Doctor Laura moriy I knew the time would fly. Thank
you so much for taking time out of your schedule
to connect with our audience today and break down these numbers.
We love our medical guests. You've got an open mic anytime.
Speaker 3 (30:01):
Thanks so much. Thanks Kristin, I really appreciate your talking
with you.
Speaker 1 (30:04):
You bet we'll be right back here right after this.
Speaker 3 (30:15):
The best circumstance.
Speaker 4 (30:32):
I just got alert.
Speaker 1 (30:47):
And we are back with the Kristin e Goophian Show
Bonus round. This is straight from the people who got
it done. Ten ways to set yourself up to retire
early now. This was sent to me Jade Scipione. I
hope I'm saying the last name correctly. This is from
go Banking Rates, the top ten proven ways to get
this done. I want you to envision future you. It
(31:09):
could be a future you ten years from now, twenty
years from now, fifty years from now. You're hitting age
seventy five, maybe a little bit earlier, maybe a little
bit older, whatever it is. Picture yourself living a life
in which everything is taken care of. You got money
in the bank that you know is going to handle
you for decades. Your house is paid off. You got
nice cars. They're paid off. Not the fanciest cars, but
(31:31):
they're dependable, they're reliable, they get you where you want
to go, and they are paid for. You got very
little money going out plenty of money coming in from
all of your various retirement plans, all the various things
you said in motion, you were in the catbird seat.
Bless the people around you who told you it couldn't
be done, because they're nowhere near where you are now.
I want you to envision that person. I want you
(31:53):
to be that person. And here's how we get you there.
Here's the top ten ways that self made Blue cot
now retired millionaires got it done. Number one. To create
an early retirement plan. All right, early. Whether you're in
your twenties, you're in your fifties, you're in your sixties,
whatever it is, If you start it now, you're starting early.
There are a ton of online tools and calculators to
(32:17):
help you set the stage for costs relating to your
ideal retirement. It's different for everybody, and there's no reason
not to start early. Any personal finance website says the
solid plan is essential for speeding up the process. All right,
don't be scared, get on these sites, start plugging in
numbers and be bold. Next up, and I love this one.
(32:37):
This is so relevant. Redefine comfortable retirement. What's your ideal,
what's your fabulous you know your pie in the sky
ideal version of retirement. And I say pie in the
sky because most people will come back at me saying
I want my house paid for, I want to be
able to take my grandkids out. I want to be
able to travel somewhere fun. You know, twice a year.
(32:59):
That is a fan fantastic idea for retirement. It's not
the multiple homes and the fancy schmancy cars and everything
else going on. People are nuts when they say that
comfortable retirement. Write it out, Get a piece of paper,
get on your screen, start typing out your idea of
comfortable retirement. You might just surprise yourself. Next up, learn more.
Always keep educating yourself regarding personal finance. That it isn't
(33:22):
up to our companies to provide a comfortable retirement anymore.
And to that, I say thank God, because I don't
want some other entity in charge of my retirement. I
want myself, a somewhat moderate control freak, to be in
charge of our family's retirement. You're the one in control,
and with you the one in control. Educate yourself constantly.
The books are phenomenal, the online courses are great. And
(33:44):
then speak with professionals. About retirement planning. They live for
this crap. And far more importantly, one of my biggest
go to moves. Speak with people you know who have
accomplished it. Pick their brain, take them till lunch, find
out what they did that they highly recommend. Find out
what they did that they would like you to avoid.
(34:07):
Pick their brains. They live for this stuff. It's brilliant.
Next thing, this is big and you know what, I'm
finding a lot of these tips also welcome to my brain.
A lot of these tips also tie into like bettering
your health, your physical health and your financial health. A
lot of parallels here because this one, this next one
works for both. Don't stall, don't put off till tomorrow
(34:28):
what you can do today, and go banking rates saying,
no matter what age you are, don't wait to get
started or worse, just let it stall right there on
the launch pad. Get it going. The biggest deterrent to
these profitable, successful plans, whether it's a diet plan or
a work plan, or a home improvement plan or a
(34:50):
financial plan, is that it never gets off the damn
launch pad, all right. They let it stall right there
and then they kind of cover it up with the
tarp and they say, you know what, maybe some other
time they make Today the time you get this done.
And here is dramatic pause for effect. Your biggest, best
most go to move for a comfortable, beyond your dreams
(35:12):
retirement today, live below your means. All right, everybody out there,
whatever your age, take an honest look at your budget.
No one's looking over your shoulder. You got the numbers.
Start cutting costs as soon as possible. Okay, what you
consider to be the norm. And here's the next thing.
Oh but the neighbors are taking a vacation. Oh the
(35:33):
neighbors got a new car. Oh the neighbors this you
hear me talking about the numbers. Guys, they're all broke.
Nobody out there is where they want to be, and
they're putting on all these little airrors and shows and
stuff like that. Good people, every person I know out there.
I've got great neighbors, I got great coworkers, I got
great everything. When you see people driving down the street
in the brand new Blingy car, chances are outstanding that
(35:55):
person driving it's broke. When you hear from the people
who are taking the incredible lavish multi you know trips
a year, you know, it's their money, it's their life,
it's their debt. Let them live it. Their good people
chances are outstanding. They're broke. Live below your means, Live
below your means, and you know it's skipping that four
(36:15):
dollars coffee in the morning. It's a good start, but
it's not gonna cut it. What's gonna work. Slashing your
heating costs by getting a kerosene heater for your house,
Slashing cooling costs by God forbid opening the windows and
putting a fan in the window like we did old school.
All right, you know, forget the super expensive vacations and
go on fabulous fund vacations that you love. Tons of pictures,
(36:36):
tons of laughter, tons of hysterical stories, and you're spending
tens of thousands less on them. Okay, next up, pay
off all your debt. When you were paying out debt payments,
you are supporting someone else's lavish lifestyle. Student loans, credit card, debt,
mortgage payments, even they need to go asap. Imagine your lifestyle.
(36:57):
You guys, know your finances. Imagine your bottom line each month.
If you had no mortgage payment, how much money would
you have to play with? Imagine if you had no
car payment, if you had no student loan payment, if
you had no car payment, if you had no credit
card debt. Can you even add up how much credit
card debt you have these days? Don't be ashamed of it.
Everybody out there is walking around with some and you
(37:19):
bought the stuff you love. It's there, you got it
with you. You're looking at these numbers. I can't remember half
the stuff you spent. I'm hearing from people I had
no idea I spent that much, you know, and now
I own it. I don't use it, but I'm still
paying it off years down the road. Okay, imagine your
life with no student loan debt, no credit card debt,
and no mortgage. What would your life look like? What
(37:40):
would your conversations with the people you love look like?
Little less tense, a little less in everybody's face. What
are you spending that for? What are you doing that for?
A little less crazy, a few less sleepless nights, maybe
enjoying a little better health as a result than all
the great ripple effects from that. Think about it, envision
it and make it your reality. And following that, here's
(38:01):
a good chaser. Once you pay off that debt, avoid
more debt once you paid off, don't add the additional debt.
Cut up the credit cards. I know you want to
pay for the kids in grandkids college. Guess what, they're smart,
they're strong, You're raising them right. They can pay off
their own debt. Get the debt paid off, and keep
avoiding it. And here's the next thing. I love this.
Look for cash streams outside the traditional retirement realm. Jennifer
(38:25):
Birchett writes in there may be some pensions you might
be entitled to from current or previous employers. Additionally, max
out that four to oh one k. Max out those
tax free retirement plans. The people that do wish they
did it earlier, the people that don't wish they'd gotten
into it. It is your key for the retirement that
(38:45):
you deserve and I wanted for each and every one
of you. Guys. The time is flown. I love you,
Thank you so much for all your notes, And until
next week, save those pennies, pay with cash, and you
all stay rugle out there.
And we are back with the Kristin Agochian Show. And
debt is something that we're all familiar with in varying amounts.
You know, it's something you have, not necessarily something that
defines who you are. You know, it's first and foremost,
it's a tool that many of us use to craft
and achieve our goals. And heck, like any tool, it
(00:28):
can be used to build and if swung incorrectly, it
can also put us into a temporary world of hurt.
And reminding our listeners coast to coast that debt is
something that you have the proactive capability to reduce and
rig yourself of. That's an important message too, and that's
the goal of this year's Financial Practice Week, along with
(00:50):
the sobering info. Are you guys ready for this? The
average American household debt now exceeds one hundred and three
thousand dollars and that of course it's mortgages and student
loans and credit cards, the usual, you know, the kind
of debt that you can make work for you or
work against you. And those who are forty to forty
nine years old hold the largest amounts of debt, and
(01:13):
here to break down those numbers just a bit more.
Joining us via our Newsmaker line is doctor Erica Razure,
recognized as one of the world's most influential personal finance experts,
and we love having her on. Doctor Reza welcome, Oh.
Speaker 2 (01:27):
My gosh, thank you so much for the great indro.
I'm so happy to be here.
Speaker 1 (01:30):
We are so happy to have you back. Talk to
us a bit about the goals of this year's Financial
Practice Week. What are the numbers you're seeing out there,
and tell our listeners a bit more about how exactly
this week came to be.
Speaker 2 (01:43):
Absolutely well, it's super exciting. This is the first year
of Financial Practice Week. And you know, as we most
of us know, April is Financial Literacy Months, and Financial
Literacy Month is wonderful in the sense that it's always
been dedicated to learning about our finances and going a
little bit deeper with our and understanding and so in
working with beyond Finance, you know, Financial Practice Week has
(02:06):
really become a compliment to that in the sense that
we want to encourage and support and empower people to
move from that learning stage, that awareness stage, into that
state of action, into that state of doing, because so
many times we have the knowledge we have the understanding,
but there's often a barrier that gets in the way,
(02:28):
and we're here to help people overcome those fears and
break those barriers and move toward a happier financial future.
Speaker 1 (02:36):
That's brilliant and I'm taking notes as we're talking here.
You put that so well, and we've got a lot
of listeners out there, coast to coast, hardworking people. You know,
they really put the nose to the grindstone. And everybody
out there has a debt situation. I mean, chances are
excellent you owe money to somebody. It is the way
of the world that we live in. Again, it can
be done proactively. It's how we build our businesses, it's
(02:57):
how we you know, it's how we purchase a home.
Debt out there. But there's good debt and there's bad debt,
and people are moving to take action to reduce that
unhelpful debt, but they feel daunted by you know, what
do you recommend for first steps? How do we go
about doing that?
Speaker 2 (03:14):
You know, you said something really important. I think that
deserves a mention here. You know, debt does not discriminate.
You know, debt can be used for good, and debt
could be used for you know bad, right, it's a
tool that can be wielded. But sometimes life situations, you know,
get us into a debt situation. And it doesn't matter
how much you make or how much you don't make right,
or your education or how much you don't have. And
(03:36):
so no matter what circumstances bringing you to debt, it's
really important as a very first step to seek crystal
clarity on what what it is you know, what you
don't know, and what you would like to know. And
this applies not only to debt, you know, but also
to other areas of your financial management, but in particular
(03:57):
with debt because we so many times when it's the
quote unquote bad kind of debt, we internalize that, you know,
debt is something you have, it's not something you are.
But so many of us have been taught over the
years through various generational messages, you know that the debt
is bad. Any kind of debt is bad. If you
take it, you owe it. And so there's there's shame,
(04:20):
and there's guilt, and there's these emotions that are so
deeply attached to that that it's hard for people to
separate themselves from their debt and the negative emotions that
go there, and so it's really clear to understand first
if you are carrying any of those you know, money
scripts or those values that aren't maybe even necessarily yours,
(04:40):
but you haven't yet had a chance to parse through
because you've been managing the financial side of your debt
without there's the debt burden, and there's the mental and
emotional burden. And making sure we're good on that mental
and emotional side, or at least working on that, only
helps us as we pursue the more technical side of
(05:00):
managing our debt.
Speaker 1 (05:02):
You are so right, and it's so multifaceted, isn't it.
And you touched on one of the most important points
of financial health that so few people talk about, and
that is the psychological effects of carrying debt. Dig a
little deeper into that if you would. You know, I
often equate it to that proverbial shackle around your ankle.
(05:23):
You know, it will drag you down and slow you
down from your goals in huge ways compared to some
compadres out there that maybe have less college loans or
they have less credit card debt. Literally debt when it's
in the wrong form can really slow you down from
those goals. Touch on that just a little bit, if
you would, about the psychological effects of debt.
Speaker 2 (05:44):
One hundred percent. One of the things I hear a
lot from my clients beyond finance who are on their
debt journey is they feel very chained to their debt,
almost as if they're in a real life debtor's prison,
which is a absolute place of hopelessness where they don't
feel like they are deserving or worthy enough to coexist
with their debts. It's almost as if debt becomes this
(06:09):
all encompassing black cloud of doom. Not only that is
debt is very difficult to talk about. You know, we
don't even talk about money in polite company right when
things are good, let alone when it's it's bad. So
when when things are allowed to grow in the dark,
you know, there's this adage that says, you know, we're
only as sick as our secrets, and when we are
(06:31):
holding that that secret, shame of debt can make us
just feel this tremendous sense of loss and grief and
unworthiness and feel like there's no escape. Once people start
to realize that they are not alone and that there
are people out there that can help them beyond maybe
(06:52):
what they had ever thought possible. Things change in a hurry.
It becomes the shift from you know, living in this
debt or prisoner just existing there to actually living.
Speaker 1 (07:03):
That is fantastic and we are so interested in helping
our listeners do exactly that. And something I wanted to
touch base on because you've got such an amazing you know,
touch around the country with regards to people of all
different financial backgrounds with this. You know, when people have
a physical ailment, they go to a physical therapist, right,
And when people have an ailment with their car or
(07:24):
an appliance, you know, they go to a professional to
fix it. And yet when we have a financial ailment,
so many of us are hesitant to seek out a
professional to remedy it, right. You know, I guess people
have to feel much more hesitant. I guess when it's
their own financial circumstances. Perhaps talk to us a bit
about the role that a you know, quote unquote financial
(07:45):
therapist can play in helping manage expenses and really help
people take it to the next level with their money.
Speaker 2 (07:50):
Sure, and that's a that's a great analogy to make.
You know, when when people are coming to a financial therapist.
They at some level they recognize, hey, I need some
support with you know, my emotional, psychological, kind of behavioral aspects,
cognitive aspects that wrap into the way I experience money
(08:11):
in the present based on what I have experienced in
the past. And so when somebody comes to a financial therapist,
it's it is a lot of trying to figure out
why somebody is the way they are with their money
and going back to values. You know, we are taught.
I mean, most kids know what they'll know about money
(08:34):
by the time they're nine years old. There's there's research
out there on that, which is which is crazy when
you think about it, that the base understanding happens by
the time you're nine, and then you have all of
these messages that come from your social networks, you know,
as you get older, and so by the time you
reach adulthood, combined with the lack of financial education that's
(08:54):
out there, it can be really confusing trying to figure
out why why do I feel this way about money?
Why why do I feel so guilty when I spend money,
or why am I overspending? Or why can't I have
conversations with my spouse about money, or why am I
hiding my purchases from my spouse? All of those things
come together and they can provide a really good compliment
(09:16):
to you know, financial planning or you know any other
type of financial service that can really help a person holistically.
They work really well in tandem together.
Speaker 1 (09:29):
I love all this information, Doctor Resort. Where do we
send our listeners for more information on this? They're going
to hear what you're saying, They're going to want to
turn around their finances. Where do we point them to
to get the ball rolling on that.
Speaker 2 (09:39):
I would absolutely love for everybody to take a look
at what we're doing with Financial Practice Week and understand
how important it is to us to get this message out.
And the best way to learn more about that is
at the newsroom at beyondfinance dot com. You can learn
more about Financial Practice Week, find some great free resources,
and learn a little bit more about me and financial
(10:01):
therapy and what we're doing at Beyond Outstanding.
Speaker 1 (10:04):
And again, I knew the time would fly. Thank you
so much for taking time out of your busy schedule
to join us. You've got an open mic anytime. Please
come back when you can well do.
Speaker 2 (10:12):
Thank you so much.
Speaker 3 (10:13):
Have a wonderful day.
Speaker 1 (10:14):
Thanks you too, and we'll be right back right after this.
Speaker 3 (10:23):
Tuesday. The best.
Speaker 4 (10:29):
Circumstance just got all understand.
Speaker 5 (10:59):
I'm just.
Speaker 1 (11:06):
And we are back with the Christen Negopian Show. And
you guys, spring has sprung. No one is more excited
than I am about it. I'm loving the warmer weather
and the leaves coming out on the trees just delicious.
You know, my kids, beautiful, amazing kids. You can tell
they're you know, maybe your kids too. They're already phoning
it in at school because they can feel summer right
(11:27):
around the corner. Spring has sprung and its people all
around freshen up the routines from the closet to the kitchen.
Maybe you're one of them. Renowned celebrity chef Carla Hall
is taking it that next step with some amazing new
recipe ideas and tips to incorporate heart healthy oats, which
you know I love heart healthy oats beyond the breakfast table,
(11:50):
through dinner through dessert with some extensive new studies. This
is great stuff, guys, that shows how much they can
lower cholesterol, help weight control. So many things doesn't want that,
and of course oats don't break the bank, so it's
a fantastic one two punch. Carla, welcome, Thank you.
Speaker 6 (12:08):
It is so great to talk to you and to
be here talking about one of my favorite ingredients.
Speaker 1 (12:13):
And you nailed it because it's so versatile. You know,
I have used Quaker oats. It's always in my cupboard,
right because it works great in meat loafs when you
find that great ground beef sale. It works greating cookies
and the kids don't even know that there's healthy stuff
in it. It works great for the cobblers. And you know,
when you want to go really think outside the box,
you just make it for some breakfast and do it
that way too. Tell us a little bit about your
(12:35):
insights on it and what you're finding to work best
for your Quaker oats recipes these days.
Speaker 6 (12:40):
So some of the things that I'm doing for spraying,
So I have this triple berry smoothie. And the reason
I like this so you can take any berries, you're
taking bananas, water, ice, and then you're adding those oats
for the fiber. So this is something that I do
when I am judging the baking shows and I don't
want my sugar to spike because I'm eating all of that.
(13:02):
The desserts and I need something to absorb that sugar,
and so I have a smoothie every morning and then
I also have my oatmeal. But this is a way
whatever smooth recipe you have to add the oats and
to just mix it right in. Also, you mentioned meat loaf,
(13:22):
and I make meat loaf all the time. It is
one of my favorite dishes. My mother made a really
great meat loaf, and she is a self professed non cooker.
But to make it springy, and I'm thinking about the
meat loaf and as a slider, So I'm making it
in a sheet pan and pressing the meat down like
(13:43):
a half inch and then I cut them the size
of the bun, so you're not making individuals and Kristen,
to make it springy, I am taking a ready made
pesto and then I'm adding spring peas and putting that
in my food processor. To add in vegetables. Now that
could be kale, it could be broccoli, it could be anything.
(14:05):
To add an additional flavor and also vegetables to your pesta.
Speaker 3 (14:08):
Yum.
Speaker 1 (14:09):
Right, my gosh, that is so much above and beyond
what I do with oats. I mean, the meatloaf is
the big thing for me. Here's the next thing. My
daughter Katie is now off at school, and when you're
in your dorm room and you're looking for something hot
to eat, you don't want to go crazy. You don't
want to go down to the cafeteria, you know, that
huge long walk, and they all have dozens of packets
(14:31):
of instant Quaker oats in their rooms. So you know,
it smells really nice and you're smelling the cinnamon and
everything else. That's like, you know, food right off the stove,
according to you know, college students. So there's something for
everything with that, and that's what I love about it.
But you know, you touched on something so important earlier.
And that is, no matter what your age, you want
to do right by your body with regards to who
(14:52):
knows what you know, cholesterol or more fiber or whatever else.
And I love it when they come out with these
studies and they're and all of the big wag I
have great respect for, you know, all of the doctors
and the researchers, and they are astonished when it turns
out that Quaker oats can have the same sort of
great effect on cholesterol and everything else as some of
these big name expensive drugs and they're like, oh my god,
(15:13):
this just didn't And I'm like, really, I mean, because
the human body really would prefer to maybe have some
oatmeal as opposed to something with a big, long name
that just got invented yesterday. So when you come on
the air and you're talking about this, we've got about
two hundred stations coast to coast, And what they love
is when you have a solution to something going on
in their lives that isn't quite as scary as some
brand new drug and it costs far far less, and
(15:34):
it's something that's been around for generations. It just hits
this great trifecta. What's been the response when you've connected
with people coast to coast about all these various things
you can do with oats. It's got to be a
great win win.
Speaker 6 (15:45):
Oh, it's wonderful because now you're not just thinking about
the morning and the breakfast. You are extending this whole
grain to all of these different recipes, so lunch and dessert.
And you know, so my grandmother I watched her eat
oats every single day. My mother talks about having oats.
I eat oats in my head. I want to I'm
(16:08):
very competitive. My great grandmother was one hundred and three,
so in my head, I want to live to one
hundred and four. And so I think I look at
the way my grandmother lived, the way my mother lives,
and with my sister, and so it has sort of
become part of my DNA to follow in their footsteps.
And with the brand that I trust is you know,
(16:30):
Quaker oats and that familiar canister. And as a chef,
I look at it as an ingredient, not just sort
of porridge, like how else can I use it? And
so you think about in the meat loaf, for instance,
it makes the vegetables very moist it retains that moisture,
so whizzing the oatmeal with the mirror pa the carrot,
(16:51):
celery and onions raw that it holds that water, which
makes the meat very tender. And you've brought up a
really great point. So if you are do you know
you can do this any protein that's on sale, so
be it turkey like ground turkey, ground chicken, or ground beef.
If you want to do ground pork. By adding having
the technique and knowing how to put the moisture in,
(17:12):
then you're also incorporating this whole grain which your body loves.
Speaker 1 (17:17):
It's so true. And again I'm writing notes as you're
talking here because you're bringing up so many good points.
And one of the things that I wanted to touch
on because this is something that affects a lot of
our listeners Coast to coast, my husband especially. You know,
he's a guy, so he will just look at the
side of a oats container and lose weight, like, hey,
look at this. I looked at this and I lost
(17:37):
seven pounds. It's so different for guys. But that's a
story for another day. But one of the things he's
been doing lately to great effect is he's going more
gluten free. And what a lot of people haven't read
or aren't aware of is the fact that oats as
well is one of those incredibly inexpensive gluten free alternatives.
If you want to use oat flour, if you want
(17:59):
to put oats in the you know, oats and the
meatloaf like we talked about as opposed to regular breadcrumbs.
There you now have another gluten free recipe that won't
break the bank. People are finally seeming to realize it's
just it's a win win all around.
Speaker 6 (18:11):
When I was on Top Chef and they have the
integration with Quaker oats, and I ended up making a
like a risotto. I love this and I love having
it savory. I've used oats with beef and barley. I
have a risotto. I use it in pancake mix, so
the ground it, you know, I use it in so
(18:32):
many different places where it's savory with and those are
the great.
Speaker 3 (18:37):
With the steel cut, it's.
Speaker 6 (18:38):
Savory and you use stock and you can stir it
in like peas and carrots and vegetables, a little soy
sauce and you know, and so there's so many different ways.
But it's so warm and comforting. But so I thought
in the springtime, I can bring all of this into
the spring. That's something that is light and takes us
into the season, so you're you're not thinking about the fall.
(18:58):
So it's every single season that you can use Quaker oats.
Speaker 1 (19:03):
With the cost of food, kind of going through the
roof just a bit, it seems to me that the
price of oats is really holding steady, and that's no
joke for a lot of people really trying to keep
the budget where they have it. And I knew the
time would fly. Renowned celebrity chef Carla Hall, where can
your fans find you online? You are so busy these days.
Speaker 6 (19:20):
You can find me at Carlahall dot com on Instagram.
But for these recipes that I've mentioned, then more, you
can find those at Quakeroats dot com. And you are
going to be amazed at the variety and plethora of recipes.
Speaker 3 (19:33):
I love that.
Speaker 1 (19:33):
We'll put a link on our social media as well.
I know you got a busy day ahead of you.
Thank you so much for taking the time. You got
an open mic anytime please join us again.
Speaker 6 (19:41):
Oh thank you so much, and have a great way.
Speaker 1 (19:43):
Saying to you and we'll be right back gang right
after this, and we are back with the Christian agotein show.
And most Americans, myself included, say that they would like
(20:07):
to live to at least age ninety well passed. The
CDC's recently released report did you see this Guy's showing
an increase in life expectancy two seventy seven point five
years after two years of decline. Who loves to hear that? Nobody? However,
almost two thirds of respondents to a national survey said
that they would choose a shorter, healthier life over a
(20:30):
longer one with health issues. I guess that makes sense too,
but still, what a drag the survey. This is a
big one too, guys, twenty two hundred US adults. It
underscores a solid clash. I think it's the word in
Americans goals and realities around longevity. You know, with almost
you all see it. With almost limitless health related information
(20:52):
at our fingertips, and new healthcare innovations emerging daily, we
highlight a lot of them here on this show. The
American dream of extending book with our lifespan and the
quality of life really does seem possible, don't you think.
Despite this, only thirty nine percent of US adults say
that they're taking preventative health measures, you know, like and
nothing crazy, just you know, screenings, regular medical checkups. And
(21:15):
less than one third twenty nine percent are discussing longevity
with your doctor. It's like not discussing your car with
your mechanic. You know, you're right there in front of them,
get chatty. Only about half are focused on eating healthy.
I'm a little guilty of that too, you know, fifty
three percent and exercising fifty one percent. Yeah, I'm not
in that batch either, but you know I should be.
(21:37):
Despite diet and physical inactivity being leading contributors to chronic disease.
And while eighty percent, I'm almost done with the numbers, guys,
but these are important. While eighty percent of Americans believe
that healthcare technology can help them live longer and healthier,
only eighteen percent are taking advantage of it. All right,
So that's a lot of numbers, but they're important numbers.
(21:57):
What are we supposed to do about all the numbers? Well,
joining us be our newsmaker line is doctor Laura Moriy,
Senior VP, Chief Scientific, Medical and Regulatory Officer at Medtronic,
the leading global healthcare tech company. Good Stuff, and their
mission focuses on alleviating pain, restoring health, and extending life.
Who better to join is doctor Moury. Welcome, Thanks so much.
Speaker 3 (22:19):
It's great to be here with you today.
Speaker 1 (22:21):
Well, we've really been looking forward to it. Okay, So
I just threw a lot of numbers out there. Help
us break these numbers down just a bit. You know,
when you were looking at these reports, what were your
biggest highlights? You know, your biggest takeaways from the Longevity
survey results? What did they tell you.
Speaker 5 (22:38):
Yeah, well, the bottom line is that Americans do want
to live longer, for sure. I mean we heard that
the common fact was that people wanted to live to
age ninety, but most didn't feel that they necessarily knew
how to do that. And there's a big discrepancy there,
you know. It's I think that what's striking though, is
(23:00):
that beyond just wanting to live longer, Americans want to
live healthier. They want to have a better lifestyle, to
be able to do the things that they want to do,
to enjoy time with their family. And then that was
even more important than the number of years.
Speaker 3 (23:14):
It was more important to live healthier.
Speaker 1 (23:16):
It's so true. But you know, and you brought up
so many good points there, and what I keep circling
back to is the fact that when there's something wrong
with my car and you head over to the mechanic,
you let them take a look at it. I'll get
very chatty with them. You know, when you're in the
supermarket and you can't find the bananas that you're looking for,
I'll get chatty with them too, Hey how do we
do that? And then we walk into our doctor's offices.
(23:38):
You must have you know, you must be face to
face with this phenomenon all the time, and I clam
up like I'm trying to win a contest at it.
That seems to be one of the biggest barriers at
breaking through and getting the good advice that we need.
How do we combat that?
Speaker 3 (23:51):
For sure?
Speaker 5 (23:52):
I mean, and you can understand why this happens. There's
a limited amount of time. People feel stressed when they
go to see the doctor about something they're worried about,
so they may focus on just answering the questions. But
I think it's so important to bring your own needs
forward and express that you know, that desire to whatever
it is to make it to your you know, your
(24:13):
child's graduation, to make it to the trip that you've
been wanting to take, whatever that is, to bring that
into the room, because that's what brings the options forward
for things that you might be able to choose from.
Speaker 3 (24:26):
And more and more technology. We're optimistic about it.
Speaker 5 (24:30):
Many Americans, as you said, you know, they they believe
that technology could help, but they don't really know how.
Speaker 3 (24:37):
It will help them.
Speaker 1 (24:38):
Yeah, and again I'm taking notes as we're talking here.
One thing I want to circle back to is the
technology factor, because we've got so many wonderful geek fans,
myself included. We live in this amazing time with incredible
access to technology and information that a generation to go
we wouldn't have even dreamed of. And yet sometimes it's
getting hacked in the wrong way. Sometimes, you know, you'll
(25:00):
spend two minutes on Google and you're like, oh my god,
I have a fatal jungle disease. How did I get this?
And how? I mean, It's just it's hilarious sometimes when
you see you know, me or some of my friends
or whatever else and that just can't be our house either.
So talk to us how we thread this needle where
we use all of the amazing technology that's here in
front of us without losing our minds or thinking that
we have some weird alien disease.
Speaker 5 (25:22):
Yeah, absolutely, well, you know, I think I think the
analogy is that technology can actually some some ways become
part of the background.
Speaker 3 (25:31):
Right.
Speaker 5 (25:31):
You think about what we've navigated with how much cell
phones have changed our lives. Now we use them to
get from place to place to search anything you want,
just like you said, we're doing that on our phones,
and just ten years ago, you know, we didn't. Many
of us didn't have smartphones, so it's totally changed. And similarly,
there's a lot that's already happening in healthcare. So technology
(25:53):
is being used to screen for cancers. So those courts
of algorithms that you know, you think of where you
put in something in Google maps, we have those now
for screening for things like colon cancer, so that so
that things can be prevented earlier. And then you know,
there are other ways that minimally invasive procedures are being
done so that instead of having surgery oftentimes there can
(26:16):
be a less invasive approach, or miniaturized approach, or using
robotics to be able to guide surgery. All of these
things are making recovery times faster so people can get
back to the living their normal lives and spend less
time in the hospital.
Speaker 3 (26:33):
So really rewarding.
Speaker 1 (26:35):
Oh you're so completely right. And again I'm taking notes
as we're talking here, and because for all of my joking,
I always think to myself that each successive generation, you know,
the benefits of this tech far outweigh any kind of
hiccups that we might experience from it. That's just any
era when you introduce new technology, whether it's a car
or a needle or whatever else, you're going to happen
(26:57):
up and down about it. But at net it's always
great news. Where do you see, because you brought this
up before, where do you see the tech taking us
in the future. I mean ten years ago, you would
have never thought that someone could get, you know, maybe
a heads up on a symptom, but just by looking
at their phone while they're waiting for their kids, you know,
to pick up from school, and they see something like,
(27:17):
you know what, I do have some kind of symptoms
going on? Like that, maybe I get that checked out
where a generation to go it would have taken until
they walked through the door for their next checkup. And
I think, I think to myself, and again because I'm
in my fifties right, I think to myself that the
preventative measures that we're getting with today's tech are going
to save countless lives that we can't even possibly put
(27:39):
a number two. I feel like it's the preventative stuff
that is a huge, great advantage compared to a generation
to go. We've got these amazing treatments that we didn't
have all these years back. But I feel like it's
the preventative opportunities that are really jumping out of me.
I mean, maybe that's just my demographic. I'm a woman
in my fifties. But what are your takeaways with regards
(27:59):
to what you're hearing from your patients.
Speaker 5 (28:01):
Yeah, well, I totally agree that the preventative aspect is
going to be really important to make it easier, right,
to make it easier for all of us to get
the screening that we need and for it to be
accurate so that you can avoid problems in the future.
That being said, we also know that chronic disease is
definitely on the rise as we go forward. It's just
(28:24):
most people in their fifties already have a chronic disease
and you might not think of it that way, but
having just high blood pressure or diabetes, these are things
that are really important for us to manage and start
to crop up even in young people. And you know, techno,
I think technology is also going to help in making
it easier. So, just like all kinds of other technology,
(28:47):
whether it's you know, having a smart watch or whatever
makes our lives easier, more and more technology will help
make our lives healthier as well.
Speaker 3 (28:57):
So you know, the example there is.
Speaker 5 (28:59):
You know, we have sensors that take the burden away
from managing chronic illnesses like high blood pressure diabetes.
Speaker 1 (29:06):
It's so true. My daughter's friend, she actually has two
friends with type one diabetes. They're not even twenty years
old yet, and they have those monitors on their arms
and it's just back to normal. You know, life is usual,
that kind of thing, Whereas when I was a kid,
nothing even close to that and there was a lot
more risks involved. So, yeah, you nailed it. We've only
got about a minute left. But where can people go
(29:27):
to learn more about this extraordinary survey. I've never heard
of this kind of an in depth survey before, and
I feel like a lot of people would benefit from it.
Where can people go to learn more about that?
Speaker 3 (29:36):
Yeah? Great, great question.
Speaker 5 (29:38):
So if you go to metronic dot com, we have
a lot of more information about health technology and you
can search for more information about the Longevi survey outstanding.
Speaker 1 (29:48):
We'll put a link on our social media as well.
Doctor Laura moriy I knew the time would fly. Thank
you so much for taking time out of your schedule
to connect with our audience today and break down these numbers.
We love our medical guests. You've got an open mic anytime.
Speaker 3 (30:01):
Thanks so much. Thanks Kristin, I really appreciate your talking
with you.
Speaker 1 (30:04):
You bet we'll be right back here right after this.
Speaker 3 (30:15):
The best circumstance.
Speaker 4 (30:32):
I just got alert.
Speaker 1 (30:47):
And we are back with the Kristin e Goophian Show
Bonus round. This is straight from the people who got
it done. Ten ways to set yourself up to retire
early now. This was sent to me Jade Scipione. I
hope I'm saying the last name correctly. This is from
go Banking Rates, the top ten proven ways to get
this done. I want you to envision future you. It
(31:09):
could be a future you ten years from now, twenty
years from now, fifty years from now. You're hitting age
seventy five, maybe a little bit earlier, maybe a little
bit older, whatever it is. Picture yourself living a life
in which everything is taken care of. You got money
in the bank that you know is going to handle
you for decades. Your house is paid off. You got
nice cars. They're paid off. Not the fanciest cars, but
(31:31):
they're dependable, they're reliable, they get you where you want
to go, and they are paid for. You got very
little money going out plenty of money coming in from
all of your various retirement plans, all the various things
you said in motion, you were in the catbird seat.
Bless the people around you who told you it couldn't
be done, because they're nowhere near where you are now.
I want you to envision that person. I want you
(31:53):
to be that person. And here's how we get you there.
Here's the top ten ways that self made Blue cot
now retired millionaires got it done. Number one. To create
an early retirement plan. All right, early. Whether you're in
your twenties, you're in your fifties, you're in your sixties,
whatever it is, If you start it now, you're starting early.
There are a ton of online tools and calculators to
(32:17):
help you set the stage for costs relating to your
ideal retirement. It's different for everybody, and there's no reason
not to start early. Any personal finance website says the
solid plan is essential for speeding up the process. All right,
don't be scared, get on these sites, start plugging in
numbers and be bold. Next up, and I love this one.
(32:37):
This is so relevant. Redefine comfortable retirement. What's your ideal,
what's your fabulous you know your pie in the sky
ideal version of retirement. And I say pie in the
sky because most people will come back at me saying
I want my house paid for, I want to be
able to take my grandkids out. I want to be
able to travel somewhere fun. You know, twice a year.
(32:59):
That is a fan fantastic idea for retirement. It's not
the multiple homes and the fancy schmancy cars and everything
else going on. People are nuts when they say that
comfortable retirement. Write it out, Get a piece of paper,
get on your screen, start typing out your idea of
comfortable retirement. You might just surprise yourself. Next up, learn more.
Always keep educating yourself regarding personal finance. That it isn't
(33:22):
up to our companies to provide a comfortable retirement anymore.
And to that, I say thank God, because I don't
want some other entity in charge of my retirement. I
want myself, a somewhat moderate control freak, to be in
charge of our family's retirement. You're the one in control,
and with you the one in control. Educate yourself constantly.
The books are phenomenal, the online courses are great. And
(33:44):
then speak with professionals. About retirement planning. They live for
this crap. And far more importantly, one of my biggest
go to moves. Speak with people you know who have
accomplished it. Pick their brain, take them till lunch, find
out what they did that they highly recommend. Find out
what they did that they would like you to avoid.
(34:07):
Pick their brains. They live for this stuff. It's brilliant.
Next thing, this is big and you know what, I'm
finding a lot of these tips also welcome to my brain.
A lot of these tips also tie into like bettering
your health, your physical health and your financial health. A
lot of parallels here because this one, this next one
works for both. Don't stall, don't put off till tomorrow
(34:28):
what you can do today, and go banking rates saying,
no matter what age you are, don't wait to get
started or worse, just let it stall right there on
the launch pad. Get it going. The biggest deterrent to
these profitable, successful plans, whether it's a diet plan or
a work plan, or a home improvement plan or a
(34:50):
financial plan, is that it never gets off the damn
launch pad, all right. They let it stall right there
and then they kind of cover it up with the
tarp and they say, you know what, maybe some other
time they make Today the time you get this done.
And here is dramatic pause for effect. Your biggest, best
most go to move for a comfortable, beyond your dreams
(35:12):
retirement today, live below your means. All right, everybody out there,
whatever your age, take an honest look at your budget.
No one's looking over your shoulder. You got the numbers.
Start cutting costs as soon as possible. Okay, what you
consider to be the norm. And here's the next thing.
Oh but the neighbors are taking a vacation. Oh the
(35:33):
neighbors got a new car. Oh the neighbors this you
hear me talking about the numbers. Guys, they're all broke.
Nobody out there is where they want to be, and
they're putting on all these little airrors and shows and
stuff like that. Good people, every person I know out there.
I've got great neighbors, I got great coworkers, I got
great everything. When you see people driving down the street
in the brand new Blingy car, chances are outstanding that
(35:55):
person driving it's broke. When you hear from the people
who are taking the incredible lavish multi you know trips
a year, you know, it's their money, it's their life,
it's their debt. Let them live it. Their good people
chances are outstanding. They're broke. Live below your means, Live
below your means, and you know it's skipping that four
(36:15):
dollars coffee in the morning. It's a good start, but
it's not gonna cut it. What's gonna work. Slashing your
heating costs by getting a kerosene heater for your house,
Slashing cooling costs by God forbid opening the windows and
putting a fan in the window like we did old school.
All right, you know, forget the super expensive vacations and
go on fabulous fund vacations that you love. Tons of pictures,
(36:36):
tons of laughter, tons of hysterical stories, and you're spending
tens of thousands less on them. Okay, next up, pay
off all your debt. When you were paying out debt payments,
you are supporting someone else's lavish lifestyle. Student loans, credit card, debt,
mortgage payments, even they need to go asap. Imagine your lifestyle.
(36:57):
You guys, know your finances. Imagine your bottom line each month.
If you had no mortgage payment, how much money would
you have to play with? Imagine if you had no
car payment, if you had no student loan payment, if
you had no car payment, if you had no credit
card debt. Can you even add up how much credit
card debt you have these days? Don't be ashamed of it.
Everybody out there is walking around with some and you
(37:19):
bought the stuff you love. It's there, you got it
with you. You're looking at these numbers. I can't remember half
the stuff you spent. I'm hearing from people I had
no idea I spent that much, you know, and now
I own it. I don't use it, but I'm still
paying it off years down the road. Okay, imagine your
life with no student loan debt, no credit card debt,
and no mortgage. What would your life look like? What
(37:40):
would your conversations with the people you love look like?
Little less tense, a little less in everybody's face. What
are you spending that for? What are you doing that for?
A little less crazy, a few less sleepless nights, maybe
enjoying a little better health as a result than all
the great ripple effects from that. Think about it, envision
it and make it your reality. And following that, here's
(38:01):
a good chaser. Once you pay off that debt, avoid
more debt once you paid off, don't add the additional debt.
Cut up the credit cards. I know you want to
pay for the kids in grandkids college. Guess what, they're smart,
they're strong, You're raising them right. They can pay off
their own debt. Get the debt paid off, and keep
avoiding it. And here's the next thing. I love this.
Look for cash streams outside the traditional retirement realm. Jennifer
(38:25):
Birchett writes in there may be some pensions you might
be entitled to from current or previous employers. Additionally, max
out that four to oh one k. Max out those
tax free retirement plans. The people that do wish they
did it earlier, the people that don't wish they'd gotten
into it. It is your key for the retirement that
(38:45):
you deserve and I wanted for each and every one
of you. Guys. The time is flown. I love you,
Thank you so much for all your notes, And until
next week, save those pennies, pay with cash, and you
all stay rugle out there.
Popular Podcasts
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com
New Heights with Jason & Travis Kelce
Football’s funniest family duo — Jason Kelce of the Philadelphia Eagles and Travis Kelce of the Kansas City Chiefs — team up to provide next-level access to life in the league as it unfolds. The two brothers and Super Bowl champions drop weekly insights about the weekly slate of games and share their INSIDE perspectives on trending NFL news and sports headlines. They also endlessly rag on each other as brothers do, chat the latest in pop culture and welcome some very popular and well-known friends to chat with them. Check out new episodes every Wednesday. Follow New Heights on the Wondery App, YouTube or wherever you get your podcasts. You can listen to new episodes early and ad-free, and get exclusive content on Wondery+. Join Wondery+ in the Wondery App, Apple Podcasts or Spotify. And join our new membership for a unique fan experience by going to the New Heights YouTube channel now!