Podcasts about idr

There are two ways to get your student loans forgiven — and the one nobody talks about could leave you with a six-figure tax bill. Most physicians know PSLF. Far fewer understand taxable forgiveness — the IDR path that hands you a massive tax bill 20 years down the road. Jimmy and Justin break down a real listener question (anesthesiologist + dentist, $400K in loans at 7%) to show why "married filing separately" math isn't as clean as it looks, and why your repayment plan now hinges on a looming July 2026 deadline. Resources mentioned: Looking for a CPA that does more than just file taxes each year? Check out Gelt, the proactive tax strategy partner that Jimmy personally uses, and receive 10% off the first year through the MMM link. Get $100 off a Student Loan Consult with Student Loan Planner: moneymeetsmedicine.com/loans Looking to refinance your private student loans? Click here to learn how to find the lowest interest rates out there. Every physician must get disability insurance before leaving training! Get a disability insurance quote from Money Meets Medicine Disability. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dr. Deb Muth 00:00:09 Hi there, how are you? Bob Miller 00:00:10 Excellent! Pedaling as fast as humanly possible, but doing okay. Dr. Deb Muth 00:00:14 Good, good. Well, I’m looking forward to our conversation today. This should be amazing. Bob Miller 00:00:20 Yeah, it should be a lot of fun. Dr. Deb Muth 00:00:22 Yeah, anything that’s off-limits for you in, our conversation? Bob Miller 00:00:28 No. Dr. Deb Muth 00:00:29 Okay, anything you want me to make sure we cover for you? Bob Miller 00:00:33 Well, I mean, is it okay if we put a little plug-in for our software? Dr. Deb Muth 00:00:35 Absolutely. Bob Miller 00:00:36 Yeah. Dr. Deb Muth 00:00:37 Absolutely. Bob Miller 00:00:36 Yeah. Dr. Deb Muth 00:00:37 Absolutely. Bob Miller 00:00:38 Hey, can we… can we do a screen share? Yes, we can. Yeah, because I want to show you some maps, and… Dr. Deb Muth 00:00:43 Okay. Things like that, yeah, so… Perfect. So just let me know when you want to do screen share. Bob Miller 00:00:48 Okay. Dr. Deb Muth 00:00:49 And yeah, feel free to plug your software wherever you want to. Bob Miller 00:00:53 Okay, well, good. Let me pull up a, a slide for that, and give me one second, I just want to shut the door to my office to get the noise down. Dr. Deb Muth 00:01:01 No worries. Bob Miller 00:01:16 And, how should I refer to you? Dr. Debb? Dr. Muth, what do you like? Dr. Deb Muth 00:01:18 Dr. Deb is great, or Deb, either way, I’m pretty informal, so… Bob Miller 00:01:22 Yeah, and… Bob is fine for me. Okay. Yeah. Yeah, there you go. Why people feel like they need this, son. Special name, it’s like, seriously. Dr. Deb Muth 00:01:33 Right? I agree. Bob Miller 00:01:35 When I work with my clients, it’s like, Dr. Millison, just, just bop, just, just bop. Dr. Deb Muth 00:01:41 Yep, that’s how I am, too. Just call me Deb, it’s good. Dr. Deb Muth 00:01:44 They feel a little awkward with that, you know? They’re not used to that, but… Bob Miller 00:01:48 Alright. And you’re a naturopath, medical doctor. Dr. Deb Muth 00:01:52 A nastropathic doctor and a nurse practitioner. Oh, nice. Yeah, so I got the best of both worlds, right? Bob Miller 00:01:58 Yeah, damn. Okay. Alright, so here we go… There we go. Alright, so I got that ready, and then I will do a, I will do a screen share. I think you’re gonna really, appreciate what we’ve come up with. We’ve come up with the concept of, Cellular CPR. Dr. Deb Muth 00:02:23 Oh, nice! Bob Miller 00:02:24 And that is, construct the cell membrane, Protect the cell membrane. And restore it if it’s damaged. Dr. Deb Muth 00:02:32 Love that. Bob Miller 00:02:34 I love that. Yeah, so that’s what we’re focusing on, and then how, You know, we want to get to the point that, you know, most people think of genetics, they think of, like, 23andMe or Ancestry. Dr. Deb Muth 00:02:44 Yeah. Bob Miller 00:02:45 And then you have the professional geneticists who are looking at, you know, odd things that could create a disease. We’re looking at functional genomics. Dr. Deb Muth 00:02:54 Which is so much better. Bob Miller 00:02:56 Yeah. Are you familiar with what we do here, or… Dr. Deb Muth 00:02:58 A little bit, a little bit. So, it’ll be new to me, too, so I’m excited. Bob Miller 00:03:03 And how much time do we have? Dr. Deb Muth 00:03:04 We have an hour, give or take a little bit on either side. Do you have a hard stop anywhere? Bob Miller 00:03:10 No, no, I put a, I moved my clients around, and I don’t have anybody till, 3.30, so we’re good. Okay. Dr. Deb Muth 00:03:16 Perfect. Alright. Bob Miller 00:03:18 It’s like we’re getting started early as well, so… Dr. Deb Muth 00:03:19 Yeah, we’re getting started a little bit early, so that’s good. Bob Miller 00:03:22 Yeah, I just got my office cleaned up, so… Dr. Deb Muth 00:03:23 Okay, good. All right, are you all set to get started? Bob Miller 00:03:28 I’m good to go, my friend. Dr. Deb Muth 00:03:29 I’m gonna just record a little intro and a little bit of a, hook for people, and then we’ll get started. I’ll ask you to kind of tell us a little bit about yourself, and then we’ll just take this conversation wherever it’s supposed to go. Bob Miller 00:03:39 Okay, you got it. Dr. Deb Muth 00:03:40 Alright, sounds good. So what if the reason you’re not healing isn’t your diet, your supplements, or your labs, but it’s actually your genes? Dr. Bob Miller is uncovering how genetic variants, when combined with modern toxins, explain why some of us stay sick no matter what we try. Today, we’re talking genetic pathways, detox blocks, and the new science every wellness warrior needs to know. Welcome back to Let’s Talk Wellness Now, the show where we uncover the root causes of chronic illness, exploring cutting-edge regenerative medicine, and empower you to heal from the inside out. I’m Dr. Deb, your medical detective, and today, our guest, Dr. Bob Miller, is a true pioneer in functional genomics. He’s a board-certified traditional naturopath and the founder of Neutrogenetic Research Institute. And he’s the leading groundbreaking research on how genetic variants influence chronic illness, inflammation, and detoxification. His work has been recognized on international stages, uncovering links between genetic expression and conditions like Lyme disease, mast cell activation, or MCAS, and mitochondrial dysfunction. I’m so excited to talk to Dr. Bob today. He is gonna reveal some things that even I don’t know about, so I’m excited to learn alongside of you guys. So… Dr. Bob, let’s get started. Tell us a little bit about yourself, and kind of how you got on this journey. Bob Miller 00:05:04 Well, that’s, that’s interesting. I was sort of like a mid-career coming to the natural health field, because in my early 30s, I found myself with a severe case of ulcerative colitis. Bob Miller 00:05:15 And I was in the hospital for 21 days. probably within hours of death, pleading to death. And they told me I’ve got one option, and that is cut out the colon and wear a bag. Didn’t sound like a lot of fun. Dr. Deb Muth 00:05:27 Not an option I would want. Bob Miller 00:05:29 So, you know, the medical folks wasn’t real happy with me, but I said, yeah, I’d like to explore some alternative things.Never thinking that I’d get into this field, and then I just, you know, worked with some herbalists and things that I found absolutely fascinating. So, that’s how I got into this around 30 years ago. And, haven’t looked back since, and just having a… having a blast as we now move into how our genetics impacts things. So, that’s what we’re gonna… that’s what we’re gonna talk about today. Dr. Deb Muth 00:05:58 I’m excited to talk about this genetic thing. When you started over 30 years ago, what kind of patience and problems first inspired you to dig deeper into that root cause healing and kind of get into the genetic piece of it? Bob Miller 00:06:10 Sure. Well, you know, as a… now, I’m in a part of the country called Lancaster County, Pennsylvania, where there’s a lot of Amish and Mennonite, and they gravitate towards these things.So, this is their first thing to do, and that doesn’t work, then they’ll go other routes. So, you know, back then, we just saw typical, you know, a little tired, constipation. You know, a little bit of fatigue, arthritis, those kind of things. But things have changed dramatically over the years, as people are now getting more chronically sick. You know, it’s worse than it’s ever been. And what we’re finding is the, the culprits Primarily is mold exposure and Lyme disease. When people get those two together, they’re just… it’s an inflammatory cascade that nobody can seem to unravel. So that’s where we spend a lot of our time. And we’re also spending a lot of time looking at mental health, like ADD, ADHD. And, we give… this year I’ll be speaking at three autism conferences. And we can dig into that a little bit as to why we think we’re seeing such a dramatic increase. And aside from autism, that used to be 1 out of 1,000, now it’s 1 out of 33, or 23. You know, we’re also seeing dramatic increases in ADD, ADHD. People are stressed out. And today, I think we’ll have the time to actually go through and show how environmental factors combine with genetics to cause that to happen. So we’ll… we should have a fun visit here today. And today, I think we’ll have the time to actually go through and show how environmental factors combine with genetics to cause that to happen. So we’ll… we should have a fun visit here today. Dr. Deb Muth 00:07:37 This should be a fun visit. We can cover lots of topics. I am so excited. So, you founded Nutri Genetic Research Institute in 2015. What did you hope to accomplish, and what kind of surprised you in your findings so far about that? Bob Miller 00:07:51 Well, you know, let’s back up at what, you know, genetics is used for. Everybody’s familiar with 23andMe and Ancestry that, you know, tells you where your ancestors came from. Then you have your professional geneticists. I mean, these are people with a degree in genetics. And they’ll look for, you know, very odd sort of things that are prone to relate to a disease. So there are disease-related genetics. Well, in functional, we don’t look at either of those. We look at For example, how you’re breaking down your fats and utilizing them. How you’re recycling your glutathione. How you might be handling your iron. And none of those are disease-causing on their own.And none of those are disease-causing on their own. But when they pile up on you, and then combine that with environmental factors, that’s when things start to go south on us. So, that’s what we’re doing, we’re looking at patterns. And our first foray into this was, we did studies on Lyme disease. And our first foray into this was, we did studies on Lyme disease. So, we looked at, like, I think 50 people with Lyme disease. We looked at their genome. So, we looked at, like, I think 50 people with Lyme disease. We looked at their genome. And we found patterns that were more evident in those with Lyme. Now, this doesn’t… these genetics don’t mean you get Lyme, it just means if you get Lyme, you react worse to it. And we found patterns that were more evident in those with Lyme. Now, this doesn’t… these genetics don’t mean you get Lyme, it just means if you get Lyme, you react worse to it. So, as you know, some people get Lyme, they go on a round of antibiotics, and they’re done. So, as you know, some people get Lyme, they go on a round of antibiotics, and they’re done. Others have a little more struggle, and then others are struggling terribly for years. So there’s an old adage of genetics loads the gun, environment pulls the trigger. Dr. Deb Muth 00:09:14 Yeah, that is so true, and I think when we’re talking about Lyme and mold and things like that, we forget sometimes that our genetics can predispose us to be more sensitive to those things, and if we have genetic pathways where we don’t clear things properly, it’s harder for us to get them out of the body. And then you add on that whole rain barrel effect that we’ve always used as a functional medicine term, right? If the barrel’s half full, you’re okay. If it’s full, and now it’s spilling over, it’s a bigger problem. Have you guys found, too, that some of these environmental things actually are changing the genetics of people, or how they’re processing their own genetics? Bob Miller 00:09:53 Well, let’s go back to, Genetics 101. But we’ll go back a little bit further. So, what an interesting mechanism, what a miracle the body is. Bob Miller 00:10:03 Fats, carbohydrates, proteins, drink water, breathe air, expose the sunlight, and somehow everything gets made. I mean, when you just step back and think about that, it’s like, It’s pretty darn amazing. Dr. Deb Muth 00:10:15 I always tell women, you know, the fact that we get pregnant and we have healthy pregnancies and births is a miracle, because if we had to try to control that, that wouldn’t work so well. Bob Miller 00:10:25 Right. Well, that’s another miracle. These microscopic sperm and egg, human being, 9 months later, it’s like. But even inside of us. We are making our hair, our skin, our nails, our blood vessels, our ATP, our energy, it’s all being created. Well, that gets created by enzymes. So, enzymes take one substance, combine it with something else, and make something new. Then another enzyme comes along and does the same thing. Your DNA is the instructions on how to make the enzymes. So, when we are conceived. If it’s a, if it’s a female, of course, it’s the XX, the two chromosomes. You know, we’ve… everybody’s seen those… the genetics that… Listed pair. So, if it’s a female, the father donated the X enzyme. And the mother has no choice but to give the eggs, so that’s female. If the father donates the Y, you have a male that’s in chromosome number 1. Then 2 through 23 is the rest of the instructions on how to make enzymes. So, what can happen? We can get what are called SNPs, single nucleotide polymorphisms. And SNPs just mean that the instructions to make the enzyme’s not quite as good. So, if one parent gives a SNP on the making of an enzyme, The enzyme’s fine. It works. But, general rule of thumb, It may only work at 70-80% of efficiency. Now, a good analogy is think of an 8-cylinder and a 6-cylinder car. If parents give you good information, that’s like having an 8-cylinder car. If one parent gives you that snip, it’s like having a 6-cylinder car. Now, is a 6-cylinder car a fine car? Sure. It’ll get you from point A to point B, but it’s just going to have the power of an 8-cylinder. Then if both parents give you a SNP on the same enzyme, it may be 30-40%, and that’s like having a 4-cylinder car. Sits in the driveway, looks the same, puts gas in it, everything. But if you’ve got a 4-cylinder car. Probably not a good idea to go cross-country pulling a trailer behind you up and down mountains. Dr. Deb Muth 00:12:29 This is true. Bob Miller 00:12:32 So… We can get an 8-cylinder, 6-cylinder, or 4-cylinder enzyme. Now, if it’s not under a lot of stress, if that 4-cylinder car is just taking you to the bank and the grocery store. It’s just as good as an 8-cylinder car. But if you gotta pull that trailer, and there’s a lot of stress on it, being mountains, it’s gonna struggle. Now, there’s one other little caveat to this, and that is some genetic mutations are gain-of-function. They actually work faster. Now, we have enzymes that do all kinds of things. We have enzymes that make and recycle our antioxidants, but we also have enzymes that make inflammation. No, that’s a good thing, because if we get a virus or bacteria, if you didn’t make inflammation to kill it, well, we’d all die of infection. So, you know, we tend to think of free radicals as bad, antioxidants as good. They both play an important role. But interestingly, some of the major enzymes that make inflammation, they can be overactive. They can be turbocharged. And when they’re stimulated by environmental toxins, they overreact. Bob Miller 00:13:40 And therein lies the problem. When they overreact, we have a problem. Bob Miller 00:13:46 So, if we have genes that overreact when stimulated. And then the enzymes that take care of inflammation are underactive. Then you’re gonna be more inflamed. You know, the majority of people that, you know, come for functional medicine Or naturopathic help, or… Inflammation that they can’t seem to get under control. Dr. Deb Muth 00:14:06 Right. Bob Miller 00:14:07 And we will be, you know, during this hour, we’re going to look at some of the pathways that make that happen. So, what we can do then, we can’t change our genetics. When you’re conceived, that’s the hand you’re dealt. When your life would be over, if someone would take some tissue and measure, it’d be exactly the same as conception. Does it change. Bob Miller 00:14:28 The enzyme’s ability to do its job may be compromised. Because remember I said there’s a, the enzyme takes a cofactor. So an enzyme takes substance A, cofactor, make substance B. Well, if that cofactor’s not there, the enzyme’s not going to work either. So, you could have an 8-cylinder car, and if there’s no gas in it, it’s not going anywhere. So… It’s the strength of the enzyme, it’s the cofactor to do the A to B conversion. And that’s what we’re going to get into. So, many people say, well, where did these SNPs come from? Nobody knows for sure. Sometimes they’re what’s just called de novo, when the sperm and egg go together, the instructions get mixed up a little bit. We do believe a lot of it came from a long time ago, when we were almost wiped out by sexually transmitted diseases. And those STDs were altering the genes when the conception, in other words, when the sperm went into the egg, the STDs were interfering. And causing the problem, so… I often joke, if you want to blame somebody. Blame your great-great-great-great-great-great-great-grandparents for, being a bit promiscuous, so… Dr. Deb Muth 00:15:31 Yeah, for being… having a little too much fun, right? Bob Miller 00:15:35 So, we don’t know for sure, but, you know, there are some that, But most of the SNPs that we get inherit from our parents. So, if you look at a child. And you look at the SNPs. 99.9% of the time, it came from one of the parents. Dr. Deb Muth 00:15:50 In identical twins, do they have the exact same identical makeup? Bob Miller 00:15:54 Yep, Dr. Deb Muth 00:15:56 But not in fraternal twins, correct? Bob Miller 00:15:59 No, no, those could be different, Jeff. Dr. Deb Muth 00:16:00 It could be different because they have different sacs, they’re not sharing that same genetic makeup. Bob Miller 00:16:04 Yeah, so keep in mind, both your mother and your father have, you know, the two And so you get one from one parent, one from another. Dr. Deb Muth 00:16:13 So… Bob Miller 00:16:14 Interesting situation. I had, 3, 3 boys. And, we were looking at an enzyme related to breaking down oxalates. Now, the mother and father each had one SNP, and that’s called heterozygous. Three boys, and they all come together, they’re Amish boys, they’re a lot of fun. And I looked at their genomes, and the one boy didn’t have any SNPs at all. And one had won. And the other one had two. Dr. Deb Muth 00:16:41 Interesting. Bob Miller 00:16:42 So, we don’t quite know how these things get handed off, but with the parents each having one, you could have a child with none, one, or two. So, the one, his ability to break down oxalates, which is fine. The other one was slightly impaired, and the other one was dramatically impaired. So, you can have 3 children, and it all depends what the parents have. Now, if a parent has a homozygous, or 2 copies. And the other parent has nothing. Every child will have one. Okay. If both parents are homozygous, that they both have two, Every child will have two. Dr. Deb Muth 00:17:19 too. Bob Miller 00:17:20 Yes, so that’s the way it works, but, you know, but it’s somewhat rare that both parents are homozygous on an enzyme, but it can happen. Dr. Deb Muth 00:17:27 Do we think that infections today, like Lyme disease or mold exposure, things like that, if the parent, the woman, primarily, I’m thinking, is pregnant, and she actively has these infections. Can those infections affect the genetics, kind of like a past sexual transmission did where we thought back in the day? Bob Miller 00:17:47 Yeah, I… I mean, I’m not that much of a geneticist to answer that for sure, but my thought would be no, that at conception, the pattern’s made. Dr. Deb Muth 00:17:55 Okay. And then that’s… that’s the hand you’re dealt. Bob Miller 00:17:58 Yeah. So, I tell people we have good news and bad news. The good news is we can compensate for the weakness. The bad news is we can compensate for the weakness. Dr. Deb Muth 00:18:09 That is so very true. Bob Miller 00:18:11 Yeah, we can’t, because I often get asked, so we’ll do some things now, and we’ll check my genes again, and they’ll be better. It’s like, nope. Dr. Deb Muth 00:18:18 Oh, – – Bob Miller 00:18:19 You gotta play the hands you’re dealt, so… Dr. Deb Muth 00:18:21 That’s right. Bob Miller 00:18:22 You can test your genetics… if you’re looking at the same enzyme, you can test it every year. It’s not gonna change. It’s like the blueprint. Dr. Deb Muth 00:18:30 It’s good and bad, right? It’s the one test you only have to do once in your lifetime. Bob Miller 00:18:34 No, unless, you know, like, our. Dr. Deb Muth 00:18:36 All the time. Bob Miller 00:18:37 Yeah, now our test looks at, called the Functional Genomic Analysis Test of your genomic Resource. We look at 220,000 steps. Dr. Deb Muth 00:18:46 Wow, that’s a lot. Bob Miller 00:18:47 That’s not all of them. Dr. Deb Muth 00:18:49 Right. Bob Miller 00:18:50 So, maybe in the next year, we’re gonna come out with our third version of the chip. And then, if someone wants to get those new things that weren’t on it, they’d have to repeat. But whatever we measured is gonna stay the same. Dr. Deb Muth 00:19:03 That’s a lot of SNPs to look at. Bob Miller 00:19:05 Keeps us busy. Dr. Deb Muth 00:19:06 But there’s still, but there’s still SNPs that we. Bob Miller 00:19:09 That we’d like to have that we don’t have, so… Bob Miller 00:19:11 We started out with version 1 on our genetic test, then we worked with version 2, and we’re already compiling a list of what version 3 would look like. So if somebody has our version 2, And we’re saying, you know what, it’d be nice if we could see these, well, then you’d repeat, but it won’t change what you already know, so… Dr. Deb Muth 00:19:29 Got it, got it. So, when you started out, and you started looking at the research of Lyme disease and chronic infections, which detox pathways are most important for people who struggle with those conditions? Bob Miller 00:19:43 Okay. You know what might make sense as we do a screen share, and I’ll actually show you the pathway. Does that make sense? Bob Miller 00:19:48 Alright, so… let’s see if I… let me just press the share… Dr. Deb Muth 00:19:52 Yep, you should just be able to press share. Bob Miller 00:19:54 And… number 2. Okay. Are we seeing the screen there? Bob Miller 00:20:01 Okay. Dr. Deb Muth 00:20:02 So, this is a map that we made. Bob Miller 00:20:05 And by the way, this is not… All-inclusive of all the things we look at, but we believe this is a core issue. So, where we’re going to start here, there’s something called the microglia. And the microglia are glial cells. They’re in the brain and the central nervous system. And they’re very interesting little creatures, because most of the time, and this is just a drawing of what they sort of look like. Most of the time, they’re in what’s called the M2 anti-inflammatory mood. What that means, these little guys pick up dirt, debris, Recycle them. Turns on an enzyme called interleukin-10 that’s anti-inflammatory. And just kind of does general housekeeping. And just kind of does general housekeeping. However, when a trigger comes along. However, when a trigger comes along. They… it’s the same glial cell, but it moves over to a very pro-inflammatory enzyme. A pro-inflammatory glial cell. And it triggers these 3 enzymes, Actually, these four. That are pro-inflammatory. Tumor necrosis vector alpha, Interleukin-6. NF Kappa B, Inos. Now, these create inflammation. So you might think, well, why is that good? Well, if you have some foreign invader, virus, bacteria coming in, parasite. If you didn’t have these guys coming to the rescue, you would just die of infection. So, these guys are your friend unless they’re your worst enemy. Because TNFA, and we’ll show you when we actually do a demo account, TNFA can be overactive. So, in other words, it over-responds. Interleukin-6 can be overactive. And if Kappa-B can be overactive. The INOS, and I’ll explain each of these as we go through a demo, can be overactive. Now, what that means is, you’re very good at killing virus and bacteria. But this is where autoimmune disease comes in, and just inflammatory conditions. Now, this is just speculation, but we think what happened is, as you know. Thousands of years ago, we didn’t have refrigeration, we didn’t have sewer, we didn’t have pure water, and we didn’t have antibiotics. So, if you made it to 40, you were an old-timer, because everybody was dying of infection. So, what we believe happened is, by what’s called natural selection, Having these overactive. A thousand years ago was to your advantage. Dr. Deb Muth 00:22:31 Hmm. Bob Miller 00:22:32 But now… We have pure water, we have refrigeration, we have sewers, we have antibiotics. But now we have environmental factors that are stimulating them. Now it’s to our disadvantage. And we’ll talk about that a little bit as it relates to the hemochromatosis genes and maybe the G6PD. Dr. Deb Muth 00:22:48 Yep. Bob Miller 00:22:49 Now, why are we becoming so inflamed? Let’s look at the triggers. Now, one of my, favorite expressions is. I was born all the way back in 1954. Dr. Deb Muth 00:23:01 And it was a different world back then. Bob Miller 00:23:05 These are some of the triggers. And we’ll get into these, but right now, high fructose corn syrup, And the high-fat diet. High fructose corn syrup only came about in 1968. So now we’re being exposed to high fructose corn syrup. Then… we didn’t have these, these viruses like COVID. Dr. Deb Muth 00:23:26 Yeah. Bob Miller 00:23:27 Now, there’s now pretty strong evidence that COVID Was actually, you know, made as a gain of function. It’s debated, and I’m not taking an opinion on it, but there’s some people who believe Lyme disease was also a part of experimentation. Dr. Deb Muth 00:23:40 Go. Bob Miller 00:23:41 Then we have molds, and it appears as though mold is getting stronger. you know, 20 years ago, when I was seeing folks, mold wasn’t on the radar. I would say 7 out of the 10 folks we speak to today have mold problems. Yeah, 20 years ago, we talked more about mold allergy being an issue versus mold toxicity being an issue. Right. So… I know some folks are, you know, speculating what’s happening, but one of the theories out there is that EMF is strengthening mold. I don’t know if you ever heard that theory, and I don’t… Dr. Deb Muth 00:24:13 I have. Bob Miller 00:24:14 I’m not claiming it’s true, but it’s an interesting theory. Then even, you know, your black mold from water-damaged buildings. Then our air pollution is getting worse. We’re getting more toxic metals. Dr. Deb Muth 00:24:26 You know, if we have a… Bob Miller 00:24:27 You know, we’re gonna look back someday and say, what were we thinking, smearing aluminum into our armpits? The, what were we doing putting mercury in our teeth? Then, you know, glyphosate. When I was a kid, there was no glyphosate. So, all of these herbicides and pesticides. Polychlorinated biphenols, And then EMF. So, we love our cell phones, you know, and I think unless you, or in the middle of the desert, or down in a cave, you’re being exposed to EMF somewhere. So, you know, we have our cell phones with us, we have, We have Wi-Fi, the towers are everywhere. And we don’t know long-term, but we may find that this can… this creates some inflammation. And I don’t know if you get any folks, but do you have any folks that have… are they EMF sensitive? Dr. Deb Muth 00:25:16 Oh yeah, we have a whole bunch of them. Bob Miller 00:25:18 Yeah, and then if you have any TBIs, So, plenty of things here. that will stimulate into the microglia, M1. Now, you could say, well. We’re all pretty much exposed to the same thing. Why do some people get hit harder than others? So here’s where we’re gonna start. There’s an enzyme called Nrf2 and RF2. And Nrf2 is the enzyme that senses when there’s inflammation. And turns on hundreds of anti-inflammatory enzymes. We’ll show when we do the demo, you can have genetic weakness on NERF2. And NERF2 inhibits and slows down microglia M1. supports M2. Now, if it’s not complicated enough, there’s an enzyme called KEEP1. And KEEP1 inhibits NRF2. And you can actually have gain of function on keep 1, that makes Keap 1 stronger. So… A lot of the people who land on my doorstep So… A lot of the people who land on my doorstep Both parents gave a mutation on KEEP1, making it overactive. Both parents gave a mutation on KEEP1, making it overactive. Dr. Deb Muth 00:26:31 Hmm. Dr. Deb Muth 00:26:31 Hmm. Bob Miller 00:26:32 Suppressing Nrf2, nerve 2 might be weak. So, nobody’s putting the brakes on, M1. And by the same token, Nerve 2 supports M2. Then there’s a process called mTOR and autophagy. mTOR stands for mammalian tard of rapamycin, the growth of new cells. And then autophagy, taking our dead cells and recycling them. We need a balance between the two of them. If we didn’t have mTOR, the sperm and the egg would never become the baby, the baby would never become the adult, we wouldn’t make new cells. But our cells are constantly, you know, the old cells dying off. Autophagy is where we take that debris from the cell and recycle it, just like a farmer Plows the crop under at the end of the year. The dead plant then becomes the fuel for the spring, your dead cell becomes the fuel for the spring, and that’s autophagy. So we’re gonna look back someday and say, what were we thinking? We give our animals growth hormones so they get fatter faster. Oh my. So, we consume those animals, and inventory runs faster. Now, for anybody who’s, You know, maybe above 40, 45 years old. Think back when you were 12, and what did girls look like? They were primarily flat-chested little girls. Now they look like 16-year-olds. Because environmentally, we’re jacking up mTOR. So, mTOR stimulates microglia M1, suppresses microglia M2. Probably 80% of the folks we visit with. This is the part of the problem. NRF2 is weak. mTOR is strong. Environmental factors come along. And this guy gets carried away. He doesn’t do that burst and move back. Stays here. We’re calling that How environmental factors create a locked-in, pro-inflammatory. and neurotoxic phenotype. In other words, once it starts, it just keeps… Feeding upon itself. Alright, so what happens now when microglia is overactive. it triggers these 3 enzymes, TNFA, N of kappa B, And interleukin-6. Each one of these can have genetics that make them run stronger. Then it stimulates an enzyme called NLRP3, Which makes what are called inflammasomes. Now, guess what inflammasomes can be? Your best friend or your worst enemy? Because they will, if you’ve got, again, a virus or bacteria, or possibly even some bad cells in the body. They will zap them. Well, that’s good. Unless it’s overactive. Unless it’s overactive. And then what it does, through interleukin-1 beta, makes excess glutamate. And then what it does, through interleukin-1 beta, makes excess glutamate. Anxiety, gut inflammation, OCD, ADD, autism. And, you know, glutamate, we’ll talk about that a little bit, but glutamate makes you intelligent, highly motivated go-getter. but can also be excitatory. And then, look what it does. Let’s see, do I have the drawing tool here? Yes, I do. Okay. So, it comes down through here, Makes the glutamate. Comes back up through here. through the ADORA 2A enzyme, Then we’ve got a feedback loop that feeds upon itself. Then, through interleukin-18, we make histamine. and mast cells. And then through histamine receptor site number 1, we come back and spin it. And now you’ve just got this spinning feedback loop. So, the glutamate will make you anxious, the histamine will give you allergies and make you anxious. And you’re allergic to everything, and you’re feeling horrible. Now, it doesn’t end there, Dr. Dad. It then goes on to make something called gast dermins that creates pyroptosis, where it actually starts punching a hole in the cell membrane. And you’re only going to be as healthy as your cells are. Just a little background. You know, we’re made up of trillions of cells, and each one of them has what’s called a lipid bilayer, made from lipids, which comes from fats. And you’re only going to be as healthy as those membranes are. So that’s why we coined an interesting phrase. Cellular CPR. Construct the cell. Protect the cell. And restore the cell membrane. And we believe that’s going to be revolutionary in the functional medicine world. So… It’s not hard to figure out that if you start punching holes in the cell membrane, that’s not a good thing, okay? Bob Miller 00:31:22 Now… There’s an interesting molecule called NAD. Thicotide adenoside dinucleotide. And anybody who’s in the, you know, listening to the health podcasts and things, they’re… They’re, they’re learning about NAD. And I’m going to show you a chart later, all the good things that NAD does, but For the most part, it helps what’s called sirtuins. And sirtuins are quite interesting. If anybody’s looking at longevity. The sirtuins is where they’re looking at.Because sirtuins turn on good things. Turn off bad things. And I’ll show some charts on that later. So for right here, this sirtuin uses NAD, to slow down NF-kappa-B. CERT 2 uses NAD to slow down an ORP3. So, if we’ve got genetic weakness on these, or we don’t have enough NAD, We don’t hold this pathway back. Make sense? Dr. Deb Muth 00:32:24 Yeah, makes perfect sense. Bob Miller 00:32:25 Now, I’ll show this a little bit later. So, people are like, oh, well, I’m gonna start taking some NAD. Dr. Deb Muth 00:32:31 Right. Bob Miller 00:32:32 And there’s functional doctors who give NAD intravenous. It was just this morning, I was talking to a woman who said, Oh my gosh. I went and got intravenous NAD, and it took me a month to recover from that. Dr. Deb Muth 00:32:45 Hmm. Bob Miller 00:32:46 what happens is, and I’ll show this in a little more detail, there’s an enzyme called CD38, that’s stimulated by NF-kappa-B. And it takes NAD, To make intracellular calcium. that stimulates NLRP3 and actually makes things worse. So, if we have this guy upregulated, and I’ll show a chart what does that. taking NAD will make you worse. Again, when I go into the software, I’ll show you that whole pathway, so… I would encourage people, you know, just don’t go out and start taking massive amounts of NAD, you know, stick your toe in the water, see how you do. Because everything you’ve heard about, how good it is, is true, unless this guy says, oh, thank you very much, let me make more inflammation. Now, this might be part of our innate immune system, that if we have some pathogen that’s gonna kill us. By golly, we want that to happen. But if this is happening by environmental factors, Then it’s detrimental. So the immune system that protected us a thousand years ago now might be turning on us because of the environmental factors that we showed earlier. All right. Then there’s an enzyme called PARP that’s NAD-dependent, and that actually repairs strain breaks in your DNA. Now, the next thing that happens… is there’s an enzyme called NADPH oxidase that gets stimulated. and something called INOS. Now, I’m sure most people know about nitric oxide. It’s a gas that dilates your blood vessels. That’s why sometimes they’ll even give people drugs, nitroglycerin, to boost their nitric oxide. That’s why people are doing beetroots and other things to boost their nitric oxide. But there’s an OS3 enzyme that makes the nitric oxide that’s good for blood flow. But there’s an INOS That makes nitric oxide to kill pathogens. probably might be the third or fourth time I’ve said this. That’s a good thing, unless it isn’t. So, if it’s killing some pathogen, great. It was just misfiring. it combines… With superoxide that’s made by this enzyme, and makes something called peroxynitrite, which is one nasty free radical that chews you up and spits you out. So, the NOx enzyme, NADPH oxidase, uses NADPH, To make this free radical called superoxide. If we have time, we’ll get into it. NADPH is what your body needs to recycle your antioxidants.So, I coined the phrase, the NADPH steel. Where the NOX enzyme takes this very important NADPH, And rather than being useful, makes superoxide. Now, again, is that fine if you’ve got some bacteria to kill? Of course. But if it’s just chronically running, it’s just making all this chronic inflammation. Then it makes something called hydrogen peroxide. And we need to clear hydrogen peroxide by 3 enzymes, catalase, thyroid reduction. And glutathione peroxidase. If we have genetic issues on here, or we don’t have the cofactors. There’s something called the Fenton reaction, discovered in 1895 by Dr. Fenton. Where hydrogen peroxide combines with iron to make what are called hydroxyl radicals. And guess what they do? They create lipid peroxides, That damages your cell membranes. Now, again, the body’s pretty darn amazing. We have glutathione, And here’s where your body’s taking glutathione and recycling it. But look who’s needed to recycle it. NADPH. So, if this guy up here is chewing it up, We don’t recycle our glutathione. And then an enzyme called glufon peroxidase 4, Takes this damaged lipid and repairs it. So, here we’ve got this protecting, we want to protect it by not having this happen. But then we also need this guy to do the restoration. So, there’s a lot that can go wrong in here, Dr. Deb. Dr. Deb Muth 00:37:07 There’s a lot that could go wrong. And I can imagine some of my listeners are thinking that lipid peroxidase, is that the same thing as what they’re thinking of when we talk about lipids and cholesterol? Is that the same process that’s happening there? Bob Miller 00:37:22 Well, no, no, the lipids can be used to make cholesterol, but here we’re talking about where they’re going to build the cell membrane. And they’re being… and they’re being, destroyed. If anybody would like to see a visual representation of this, just go on YouTube. And type in, ferrooptosis Animation. cool little video, it’s about 3 minutes long, and it shows the lipids coming over, being oxidized, and now GPX4 fixes them, so… YouTube, Pharaoptosis Animation, cute little video. It’s just that really… Shows vividly what we’re… what we’re talking about here. Now, this is… Dr. Deb Muth 00:37:59 And so this is very common, too. Like, a lot of people do hydrogen peroxide IVs. Dr. Deb Muth 00:38:04 And so, if somebody doesn’t know their genetics, they could have a problem with doing those, just like they could doing the NADHIVs, correct? Bob Miller 00:38:13 Sure, yeah, yeah, yeah. So, I’ve talked to so many, you know, of course, the hydrogen peroxide kills pathogens. I mean, that’s what it does. So… but I’ve spoken to so many people that said. I had one client that said they’ve never been the same after having one hydrogen peroxide infusion. Dr. Deb Muth 00:38:30 Interesting. Bob Miller 00:38:31 Yeah. So… it can be… I see why people use it, because it. Bob Miller 00:38:36 pathogens, But on the other hand. And now’s a good time to speak about… I don’t have it on here, but there’s a, there’s an enzyme called the HFE gene. And that is what causes you to absorb iron. And there’s mutations in it that cause something called hemochromatosis. Were you overabsorb iron? Now, true hemochromatosis is when both parents give you a mutation. But there’s now growing evidence even a heterozygous can cause a little bit more iron absorption, not to the human chromatosis point, but overabsorption. So, if you overabsorb iron, And you have too much hydrogen peroxide that’s not cleared, All kinds of inflammation. Now, what’s happened is sometimes this inflammation Will damage the red blood cells. And some well-meaning doctor says, oh, you need some iron. And they take iron and it makes it worse. So, can’t tell you how many people I’ve said, you’ve got the overabsorption of iron, and they say, well, that can’t be right, because I’m low in iron. Well, that could be because it’s being chewed up here. Dr. Deb Muth 00:39:40 Sure. GPX1 and TXN turn it into, to water. The, catalase turns it into water and oxygen. Dr. Deb Muth 00:39:58 Now, I see a lot of my clients who have mutations or SNPs on that GPX gene, on that glutathione gene. And they really struggle to clear a lot of their toxins. Bob Miller 00:40:12 Sure. Dr. Deb Muth 00:40:14 Yeah, absolutely. Well, GPX4. Bob Miller 00:40:18 is what, repairs, but you can see GPX1 Is what uses glutathione. To turn hydrogen peroxide. So, but it all depends upon having enough glutathione. Dr. Deb Muth 00:40:30 Yeah. Bob Miller 00:40:31 Well, guess who controls making a glutathione? Dr. Deb Muth 00:40:34 Nerf 2. Bob Miller 00:40:37 So, if you have a keep one weakness, or strength to two… I’m sorry, keep one is too strong. Nrf2 is too weak. You don’t make glutathione. So, when a lot of people do that, it’s like, well, I’m gonna take glutathione. Dr. Deb Muth 00:40:51 Right. Bob Miller 00:40:52 And some do great, and some do poorly. You know, because… and I’ll show this on one of the other charts. You can see here that the, The glutathione has to be recycled. And if we don’t recycle it, it actually turns into superoxide free radical. So… NADPH are the cofactors, For taking the oxidi… here’s oxidized glutathione, here’s reduced. So, this is a good glutathione. After it does its job, you can see it becomes oxidized.We need to recycle it. Well, if we have weakness on the enzyme that does that, or a weakness in Nrf2, or not enough NADPH. The oxidized glutathione never gets recycled. So, I’ve talked to a lot of people who said, oh, glutathione made me so sick, and say, well. Dr. Deb Muth 00:41:43 Yeah. Bob Miller 00:41:44 You need it, but you need to recycle it. Dr. Deb Muth 00:41:46 Can you speak for just a brief moment, too, about MTHFR? That is a very popular gene, it’s all over social media as the major gene, but can you speak to a little bit about that, and how that fits into this whole process of things? Because it is just such a small piece. Dr. Deb Muth 00:42:04 understanding genetics. Bob Miller 00:42:06 Yeah, to be honest, it drives me nuts. Dr. Deb Muth 00:42:08 Me too. Bob Miller 00:42:11 Alright, so… You know, there are people on social media I won’t say what I think, I’ll be kind. But… But the, And, you know, they might mean well. But they talk about, if you have MTHFR and COMT and PEMT, that’s… oh my goodness, that’s horrible, and we’ll fix that for you, and you’ll be fine. Bob Miller 00:42:36 it just irritates me to no end. And it really could get anybody who’s doing this legitimately in trouble. I mean, I’m afraid someday, you know, there might be some cracking down on this kind of nonsense. Now, to answer your question about MTHFR. Dr. Deb Muth 00:42:51 I mean, it really is, but I’ll tell you what, why don’t we hold that thought until I go to another map and I can actually… Okay. Bob Miller 00:42:56 But the real… the cliff notes is the MTHFR puts a methyl group on your folate, which is needed, but it has gotten way, way, way too much attention. And people learn they have MTHFR, and they start taking a multivitamin with methylfolate, then they take a B vitamin with methylfolate. Dr. Deb Muth 00:43:13 And they’re pushing it too hard. Bob Miller 00:43:15 Yeah. So I can’t tell you how many people I’ve helped by saying, stop it. Dr. Deb Muth 00:43:20 Yeah, take less of it. Bob Miller 00:43:21 Take less of it, yeah. So, yeah. Yeah, there’s a… If somebody, say, ranked the enzymes at their level of importance, MTHFR might be 40 or 50 on a scale of 100, you know. Keep one Nerf two. big deals. Dr. Deb Muth 00:43:40 deals. Bob Miller 00:43:41 NQO1 that I didn’t even talk about yet, NQO1, takes your, NA… your NAD goes into NADH, To make electrons for the electron transport chain. you need NQ01 to bring that back. If that’s not working, and I’ll show you on the NAD map how disastrous that can be. Now, the next piece is here, and I think You know, if you talk to any school teachers and say, if you’ve taught for more than 10 years, how are the kids today? Every one of them says, more ADD, ADHD, more autism. Just look at human beings, we’ve never been so agitated. You know, everybody, and it might be a social media thing, but people take a position on something, and if anybody doesn’t share that position, they view them as the enemy. Dr. Deb Muth 00:44:29 And it’s kind of scary what’s happening to us. Bob Miller 00:44:33 So, we can’t agree to disagree anymore. We see anybody who has a differing opinion as the enemy. And, you know, there was… there’s people that didn’t have Christmas dinners together, because they had political differences, like… Dr. Deb Muth 00:44:44 Excuse me. Bob Miller 00:44:45 can’t you put your political differences aside to have Christmas together, you know? Dr. Deb Muth 00:44:49 Right? Bob Miller 00:44:50 become that, you know, no matter what your position is, and I’m not saying anyone’s right or wrong, I’m just saying. You know, in the old days, they used to say that the Republicans and Democrats in Congress would argue policy and then go have dinner together. And now everybody’s all up in arms, angry. Dr. Deb Muth 00:45:05 Yeah. Bob Miller 00:45:06 So… There’s likely multiple reasons for that. But let me show you one of them. That, you know, to what degree this is… very important, we don’t know, but I think We’re beginning to believe this is very important. So, there’s something… there’s a neurotransmitter called GABA. And God buys the don’t worry, relax, be happy. Chill. Okay. Dr. Deb Muth 00:45:31 Nobody has enough of that anymore. Bob Miller 00:45:33 Well, yeah, you’ll be surprised what I’m gonna show you. So, let me see if I can find a, Let me see if I can find the right slide here. Let me look for it here. So, there’s something called a GABA receptor site. And here you can see… This is a neuron, and this is where you, The neuron normally is excitatory. However, there’s normally low chloride in the neuron. Dr. Deb Muth 00:46:09 Hmm. Bob Miller 00:46:10 So, GABA itself is neither relaxing. For excitatory, all GABA does, it opens up what’s called a chloride channel. And then chloride, which has a negative charge, will flow into the neuron. Follow me there? Dr. Deb Muth 00:46:26 Yep. Bob Miller 00:46:27 And as it does, it changes this from a positive charge to a negative charge, And it’s relaxing. and inhibitory. Dr. Deb Muth 00:46:34 Hmm. Bob Miller 00:46:36 Now, on the other hand, there’s enzymes called NKCC1, That will push chloride in. and KCC2 that will bring chlor… oops and bring chloride out. And then there’s a sodium channel. And, sodium has a positive charge. And glutamate will push that in. So, as long as this is happening. And GABA says, receptor sites, open, chloride goes in, Chill. However, If NKCC1 Pushes extra chloride in. KCC2 doesn’t pull it out. and GABA hits the receptor site, the GABA comes flowing out, Sodium comes in, And now it’s excitatory. So Gabba didn’t change. GABA just opened the receptor site, that’s all it does. Dr. Deb Muth 00:47:33 Yeah. Bob Miller 00:47:34 But it’s the chloride balance that’s going to determine whether this is relaxing or not. Now, these are the things that go along with when they lose that KCC2 or gain NKCC1. Pain and sensitivity, burning electrical, neuropathic pain. Normal touch hurts. Sound and light sensitivity. Tinnitus can flare. Headaches and migraines. Seizure tendency. Body jolts. Spasticity, cramps, stiffness, startle reflex. Trouble falling asleep, non-restorative sleep. Anxiety, stress, reactivity, that’s what we have now. Hyperarousal, panic-like surges, irritability, racing thoughts. Brain fog, slowed processing, working memory slip-ups. Mental fatigue. Episodes of racing hearts, sweaty palms, guts on edge. Those are all the things that happen when this GABA switch occurs. Now, here’s what happens, and this is what I’m going to be presenting at an autism conference. When you have a newborn, they need that NKCC dominant to develop. By early childhood, it should… or, sorry, early adulthood. we should move over to the KCC dominant, that’s the taking the chloride out. Nice-looking 25-year-old boys, functioning very well. However, when we get microglia M1 upregulated. Because of environmental toxins, processed foods, Tylenol, aluminum. they stay in NKCC1 dominant, and there’s ADD, ADHD, Autism, the whole spectrum. because… They’ve not moved over to the… They’ve not moved over to the KCC2. And again, this is caused by… Environmental factors. Stimulating the microglia. And then, interleukin-1, interleukin-18 weakens KCC2, interleukin-1 beta, Strengthens NKCC1. high chloride. We open up the chloride channel, In Rebell Excitatory. So, I think when, When the pediatricians get ahold of this, they’re going to be very excited to know that This could be why we’re seeing such a rise, and not just autism, but ADD, ADHD, anxiety, the whole shit mess. Dr. Deb Muth 00:49:58 thing. Bob Miller 00:49:59 Yeah, so… and you can see NF-kappa-B stimulates that. These stimulate it, and I think that’s why everyone’s getting so anxious. Now, there’s a little bit more to it, and we’ll get into this when we look at some of the maps, but… The, the glutamate, Which is excitatory. will stimulate the NMDA receptor, make more glutamate, And glutamate will inhibit KCC2. And then we also need an astrocyte To, take both ammonia And glutamate, and… Turn them back into glutamine. And I’m going to talk to you a little bit about arachidenic acid, and if we have too much arachidenic acid. or TNFA is upregulated, that doesn’t happen. Ammonia goes up, and there may be multiple reasons for this, but this is a reason why some of the autistic kids do flapping. Dr. Deb Muth 00:50:49 Hmm. Bob Miller 00:50:50 Because they’re not clearing their ammonia. And you can tell if somebody has high ammonia by… they get that old person smell, you know. Dr. Deb Muth 00:51:00 Yup. Bob Miller 00:51:01 your vehicle cycle’s not taking out the, the ammonia. Now, last pathway here. There’s growing interest in mast cell activation. So, back here, we talked about peroxynitride. And that will stimulate mast cells, and those are white blood cells that are your best friend, unless they’re your worst enemy. Then it’ll make histamine. And there’s enzymes called histidine decarboxylase that’ll make more. Dr. Deb Muth 00:51:28 I’m sure everybody’s heard of DAO, the enzyme that degrades histamine. Yep. Bob Miller 00:51:31 We can have genetic weakness, we don’t make that. There’s an enzyme called histamine and methyltransferase, That, That breaks down the histamine. Then if we don’t do that, it’ll get stuck in the histamine receptor site. And then it’ll make something called, renin. Which will cause angiotensinogen to turn into angiotensin. One, that turns into angiotensin II,And that’s where people make aldosterone, where they’ll get the, The swollen ankles and high blood pressure. But interestingly, there’s an enzyme called ACE2, that takes this guy and turns it into angiotensin 1-7, Which is anti-inflammatory and also inhibits… TNFA. Now, you can have weakness on ACE2, But… and anybody’s saying, that sounds familiar? Dr. Deb Muth 00:52:25 That’s where COVID comes in, using ACE2. Bob Miller 00:52:28 And now we just found there’s literature that if you get COVID long enough, it can actually make ACE2 not be able to work as well. So look what it does. It comes down here, stimulates the NADPH oxidase, More superoxide. More peroxynitrite. And we’re on a cycle here. We’ve actually named this the Home Cycle Hypothesis, the proposed feed-forward loop. That just keeps feeding on itself. All being caused by… Primarily, The environmental factors. But hitting those who have genetic weakness the hardest. That’s why. Dr. Deb Muth 00:53:08 To the people. Bob Miller 00:53:09 Don’t live in a moldy house. One person is sick as can be, and the other person says, well, you must be imagining things, because I don’t feel anything. Dr. Deb Muth Yeah. Same thing with long haul, right? Two people can both get sick, one gets sick and never seems to recover, and somebody else gets sick, and they have absolutely no problems with it at all. Bob Miller 00:53:30 Sure. Well, think about it, if you get COVID, and ACE2 is weak, and some of this other stuff is going on. This thing just starts feeding upon itself. Dr. Deb Muth 00:53:38 Keep creating more inflammation, more complications, nothing’s calming down. Bob Miller 00:53:43 Yeah. Now, you, you ask about, MTHFR. So, this is the, this is the, the software called Functional Genomic Analysis. There’s a demo report we have. So, let’s talk a little bit about, MTHFR. So, we actually have a map called a methylation map. Now, what happens is, when you do your saliva test, you, you know, you spit, you put some saliva. in a collection kit, goes to a lab, takes out the DNA data, sends it to the computer, and now you can actually see it visually. Okay. So, it’s gonna take a second for this, data to load up, it’s, and each of these Circles, each of these ovals, is an enzyme. And the data gets loaded up to see where it is. So, until it gets loaded up here, I didn’t preload this. There it goes. So… The primary thing about methylation is There’s a nasty substance called homocysteine that, if it’s too high, can really be detrimental. The body takes methylfolate, and combines with methyl B12, To bring this back up to methionine. And then through the MAT genes, we make SAMI, S-adml methionine. Which is involved in so many processes. Then after it does its thing, it turns back into homocysteine. And this thing needs to keep spinning around. That’s why, you know, it’s a good idea to keep homocysteine at, do you have a number that you’d like? 7, 8? What do you like for a number? Dr. Deb Muth 00:55:24 Yeah, I like mine below 7. Bob Miller 00:55:26 Yeah. So if the homocysteine goes too high. It, caused all kinds of problems. So, here’s where you ask about the MTHFR. So, here you can see on this individual. I click on MTHFR, and you can see it comes up here, here’s the C677. And you can see here where it says, variants. I’ll… I’ll draw in case somebody’s having a hard time seeing that. So, you can see there’s nothing in there. That means there’s no genetic mutations. If one parent would have given a mutation, there’d be a 1. If both parents did, there’d be a 2. Now, here’s why Yes, methylation is important, I’m not saying it isn’t important, but look at this MTHFRC677. In my software. Only 42.5% of the population does not have a mutation. 44.7% have won. 12.9 have 2. So, this isn’t some rare, oh my god, I’m gonna die… Kind of thing, yeah. Dr. Deb Muth 00:56:27 Right. Bob Miller 00:56:28 So, And then what happens is that, and again, I’m not dismissing methylation, I… we could do a whole show on methylation. Bob Miller 00:56:36 get it. But I think that what people are doing is they’re, they’re learning about MTHFR, they get it measured, they panic. They start taking massive amounts of methylfolate, which many times is to their detriment. Dr. Deb Muth 00:56:50 Well, it’s… and isn’t it true, too, with MTHFR, like, you have to also look at MTR, MTRR, and the more we stack up of those, the more complicated than MTHFR can be. It’s not… it’s not as simple as just saying MTHFR 677 versus 1298. It’s more complex than that, kind of like what you’ve already shown with some of the other things. There’s more to it than just that one little sliver. Bob Miller 00:57:17 Oh, sure, well, let’s take a look. So, remember I said there’s a cofactor? One of the cofactors is called FAD. Just a Bob Miller observation, that’s all. But when people have trouble with their riboflavin and they don’t have enough FAD, They’re doing much worse than people who have just a C677. So, right here, you could have perfect C677th. And if you don’t have the cofactor, it’s not gonna work, okay? Dr. Deb Muth 00:57:48 And as you said, there’s an MTR enzyme. Bob Miller 00:57:51 that takes methylfolate and methyl B12, to spin it around. So, here on this individual. here’s your… here’s your B vitamins, or I’m sorry, your B12s. There’s an enzyme called TCN1 that takes it from the stomach into the blood. Then there’s other enzymes that take it from the blood into the tissue. And if you’re having trouble here. Well, then you’re not going to have this working, so… Even if you don’t have MTHFR, And you have MTR, like this, no, I’m sorry, this person doesn’t. But they have the MTRR, and then they don’t have enough B12, this isn’t gonna work, aside from that. And then there’s a middle pathway. And then there’s enzymes called the MAT1. they take the methionine to the salmon. If that’s not working, we stick… we get stuck in methionine. So, it’s, it’s not just an MTHFR. And then, one of the things that people forget about. is through these CBS enzymes and CTH, We make cysteine, which is needed to make glutathione. The master antioxidant. So, it really is that… I call it the, The 3D chess game played underwater. Dr. Deb Muth 00:59:07 It really is. I mean, I see people who have CVS, COMT, glutathione, MGHFR genes. And some of them function just fine. Like, they have Like, I look at this person and I’m like, oh my gosh, I don’t know how they’re functioning because they’re double mutated on so many pathways, but yet they don’t have a lot of symptoms, they don’t have a lot of complications. Somehow their body has figured out a way to adapt to what it has so it can stay alive and it can function at a high functioning level. Bob Miller 00:59:36 Yeah, and they may be, you know, eating right? Yeah. Staying out of a moldy house. reducing stress. So, it’s diet, it’s stress, it’s genetics, environmental factors. So, yeah, we can’t just say somebody’s gonna be good or somebody’s gonna be bad. You know, some people get scared, oh, I got all these, it’s like, well… Bob Miller 00:59:56 Are you living in a moldy house? You know, and if you live in a moldy house and your glucuronidation pathway doesn’t do well, or if you’re, you know, a smoker, or you’re constantly eating junk food, I mean, all. Bob Miller 01:00:07 things come together. Although, you know, when we focus on genetics, we’re well aware that this is just a piece of it. You know, you could have identical twins, Genetically, and if one… Is exposed to mold and smokes and drinks and stressed out. They’re gonna be a whole lot sicker than their sibling. Bob Miller 01:00:28 Yep. Dr. Deb Muth 01:00:29 Yeah, it’s that concept of taking twins, and one gets raced with one family, and one gets raced with another family, and they don’t have the same… problems that… that each other have, you know? It’s a very unique situation, we don’t think about that enough. Bob Miller 01:00:44 Alright, so again, genetics loads the gun, environment pulls the trigger. So, if you’ve got a loaded gun, but you don’t have the triggers, you’re okay. Dr. Deb Muth 01:00:53 Yeah. Bob Miller 01:00:54 Yeah. So, remember I said I was going to talk about NAD? So, here’s NAD, and what it does, it turns into NADH. And what NADH does, it, Comes down this pathway, what’s called the electron transport chain. And that makes your ATP, that’s your energy. So, if this wasn’t working, we wouldn’t be alive, because we wouldn’t have energy. So it donates an electron, that’s why it’s called electron transport chain. So, we need NAD, To make this, to make the energy. But remember I said that NQ01, this would probably be, like, on my top 10 list of… Bob Miller 01:01:36 Much more important than MTHFR. This one takes NADH back to NAD. If we’re stuck over here, We’re low in this NAD+, But what happens is, NQO1 also provides CoQ10. And CoQ10 Is what’s needed for the electron transport chain to flow. So if we get too many electrons up here. And they don’t turn them into energy. They make a nasty free radical called superoxide. Okay. Now, NAD plus also makes NADPH, And that is needed. Remember I said we need to recycle our antioxidants. So, if we have a problem with FAD from riboflavin. Yeah, we don’t have enough NADPH, Glutathione’s not getting recycled, and you’re gonna be inflamed. And you take glutathione, you’ll feel worse. There’s another enzyme called thimoredoxin. Same thing, needs NADPH and FAD. And same way with your nitric oxide, there’s an enzyme called NOS3, That makes the nitric oxide that dilates your blood vessels. And if we don’t have enough NADPH or fat, You’re gonna make superoxide. Rather than nitric oxide. Now, remember

Since the One Big Beautiful Bill, the final student loan regulations have started landing, and we're seeing the real-world fallout in consultations every single day. We bring you what that looks like from the front lines: the latest ATF update on IDR backlogs, PSLF buyback wait times, and forgiveness eligibility checks, plus a few other things worth watching. We also cover the consolidation trap new grads need to avoid, Parent PLUS loans showing up on files where they don't belong, and what the July 1 deadline really means if you're still stuck on SAVE.Key moments:(01:52) Why the ATF lawsuit updates matter for IDR and PSLF backlogs(04:06) How forgiveness timing could trigger bigger tax bills in 2027(08:36) 88,000 pending PSLF buyback applicants, duplicate applications, and delays(12:14) Parent PLUS loan confusion: When your file shows loans you never took out(20:10) Why new grads should think hard before consolidating, and how it can lock you into a 30-year planLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:Want more? Check out our other podcastStarting to think beyond your student loans? Check out our other show, Financially Free Era. It's about what comes next, investing, building wealth, and designing a life you actually want. Find "Financially Free Era by SLP Wealth" in your podcast app.Tips I Can't Share PubliclyGetting our free newsletter? Upgrade your experience and discover student loan loopholes so good, they might get repealed if I talk about them publicly. Find out my very best thought leadership that I really just can't be open about anymore, unfortunately. If you want to get our very best tips, not just the ones that I can share for free. Go to studentloanplanner.com/insider to get a special discount for your year membership.

Hoy estrenamos por fin el último relato de la saga de Los Hombres Hiena; un viaje a través del tiempo y el espacio en el que Lucas Buchel e Ignacio Pillonetto, tras una ardua tarea de investigación, han compilado un combo blasfematorio de entidades primigenias asociadas con el mito del vampiro. Un homenaje a la literatura pulp, desde la catástrofe del Deméter a los desiertos insondables de África, para conocer los secretos de Drácula, Víctor Frankenstein, el profesor Van Helsing y otros personajes arquetípicos de la mitología y el Penny dreadful... Aquí les dejamos los episodios previos: I - "Drácula y la Maldición de los hombres hiena" https://go.ivoox.com/rf/114945420 II - "Drácula y la Sangre de los Hombres Hiena" https://go.ivoox.com/rf/133286490 III - "Drácula y el Origen de los Hombres Hiena" https://go.ivoox.com/rf/156608554 Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals

This Day in Legal History: Rhode Island Ratifies the Constitution, 1790On this day in 1790, Rhode Island became the thirteenth and final original state to ratify the United States Constitution, doing so by a margin of 34 to 32 at a convention in Newport. Rhode Island's hesitation had been considerable: the state refused to send delegates to the Philadelphia Convention in 1787, and twice rejected ratification in popular referenda — a curiously democratic method for refusing to join a constitutional union founded in part on the premise that pure direct democracy is dangerous. The state's small-farmer and debtor classes, the same constituencies that had backed the paper-money policies that horrified Madison, were deeply suspicious of a strong federal government that would constrain state-issued currency, ban impairment of debt contracts (Article I, Section 10), and override state-level debtor protections.Ratification finally came under the gun: Congress, frustrated by the foot-dragging, was openly threatening to treat Rhode Island as a foreign nation for tariff purposes, which would have devastated the Providence merchants. The convention's narrow margin reflected a hostile deal more than a meeting of constitutional minds.Importantly, Rhode Island's ratification was conditioned on a lengthy list of proposed amendments — many of them mirroring the Bill of Rights that James Madison had already shepherded through Congress in September 1789 and that would be ratified in December 1791. With Rhode Island in, the original Union was at last complete, and the practical question of whether the new federal government could function with one stubborn holdout fell away. The episode is a useful reminder that the constitutional founding was not so much a singular moment as a slow, contested, occasionally coerced bargain — one that ended in Newport on a humid Saturday in May.The U.S. Supreme Court on Thursday handed down a narrow 5-4 ruling in Pitchford v. Cain, reviving a Mississippi death row inmate's challenge to the prosecutor's race-based use of peremptory strikes at his 2006 capital trial. Justice Kavanaugh, writing for a majority that included Chief Justice Roberts plus Justices Sotomayor, Kagan, and Jackson, held that the Mississippi Supreme Court unreasonably applied Batson v. Kentucky's three-step framework for challenges to peremptory strikes.The Court found the trial judge accepted the prosecutor's race-neutral explanations without giving defense counsel a meaningful opportunity to argue that those reasons were pretextual, and the state appellate court compounded the error by treating that omission as a waiver. The prosecutor, Doug Evans, used four of his twelve strikes to remove four of the five Black prospective jurors, leaving a jury of eleven white jurors and one Black juror in a Mississippi county that was then roughly 40 percent Black.The Court leaned heavily on its 2019 Flowers v. Mississippi decision, which involved the same prosecutor and the same trial judge and had already found Evans's pattern of striking Black jurors discriminatory. Federal habeas relief was appropriate because the Antiterrorism and Effective Death Penalty Act's deferential “no fair-minded jurist could agree” standard cannot rescue a state-court ruling that simply skips Batson's third step. Justice Gorsuch dissented, joined by Justices Alito, Thomas, and Barrett, arguing the record showed counsel chose silence rather than being denied an opportunity. The case now returns to the Fifth Circuit for further proceedings.Justices Revive Mississippi Death Row Inmate's Batson Claim | Law360Caesars Entertainment agreed Thursday to be acquired by Tilman Fertitta's privately-held Fertitta Entertainment in an all-cash deal valued at roughly $17.6 billion, including the assumption of approximately $11.9 billion of Caesars' outstanding debt. Shareholders will receive $31 per share, a 49 percent premium over Caesars' unaffected share price as of February 25, and the company will be delisted from Nasdaq upon closing. The agreement includes a go-shop period running through approximately July 11 — a Delaware deal-protection mechanism that lets the target board solicit competing bids without triggering a termination fee, and that helps insulate the sale process from a Revlon-flavored fiduciary-duty challenge by signaling the board actively tested the market after signing.Latham & Watkins and Skadden are representing Caesars (the latter on antitrust), White & Case is advising Fertitta, and Freshfields is counseling the Carano family, which holds a roughly 5 percent stake and will roll part of its equity into the combined entity. The combined company would control more than 60 casino resorts and over 200 retail sports betting locations under the William Hill brand. Antitrust review will be the inflection point given the overlap on the Las Vegas Strip — where Caesars operates eight properties — and across digital betting. Funding will come from Fertitta equity and committed debt financing arranged by a syndicate of ten banks.4 Firms Steer Fertitta's $17.6B Caesars Entertainment Buy | Law360The Department of Health and Human Services on Thursday finalized a long-awaited overhaul of the federal Independent Dispute Resolution process under the No Surprises Act of 2021, the statute that pulls most out-of-network billing fights out of the patient's hands and into a baseball-style arbitration between provider and payer. The headline change slashes the per-party administrative fee from $115 to $15 per case, undoing a sharp 2023 hike that providers had successfully challenged in the Eastern District of Texas as having been adopted without notice-and-comment rulemaking under the Administrative Procedure Act.The rule also expands batching, so economically similar items and services can be bundled into a single arbitration, which the agency says will cut transaction costs and ease the chronic IDR backlog. HHS is also rolling out a centralized federal dispute portal and a payer registry intended to fix the persistent problem of providers being unable to identify which entity is actually on the hook in any given case. Reactions from physician and radiology groups have been mixed, with broad support for the fee cut but lingering concern that the qualifying payment amount methodology — the benchmark arbitrators must consider — still tilts the field toward insurers. APA Section 706 challenges to portions of the earlier IDR framework remain pending in the Fifth Circuit.US HHS finalizes rule to streamline dispute resolution under No Surprises Act | ReutersABC's New York affiliate WABC-TV filed an objection with the FCC on Thursday, calling Chairman Brendan Carr's April order requiring early license renewals for all eight ABC-owned stations an “unconstitutional” act of viewpoint-based retaliation barred by the First Amendment. WABC submitted its renewal under protest, arguing the agency has not demanded simultaneous early renewals from a commonly owned station group in more than fifty years and that the Media Bureau's stated rationale — possible violations of the Communications Act of 1934 and the FCC's nondiscrimination rules — is pretext for punishing disfavored editorial speech.The doctrinal hook is the Bantam Books line of cases through last term's NRA v. Vullo, which holds that government officials cannot use the implicit threat of regulatory sanction to coerce private intermediaries into suppressing protected expression. The order followed a separate FCC inquiry into whether “The View” has been violating the agency's equal-time rule for political candidates, and came against the backdrop of repeated White House demands that Disney fire Jimmy Kimmel. Democratic Commissioner Anna Gomez has openly urged Disney not to “flinch.”On the same day, the FCC issued a broader notice warning all broadcasters that licenses could be reviewed early if stations are deemed to be failing their statutory public-interest obligation — a posture that drops the question of broadcast licensing back into Red Lion-era First Amendment territory.FCC Targeting ABC Licenses To Punish Speech, Station Says | Law360 This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

Søndag den 15. november 1964 spillede KB og B1909 i Københavns Idrætspark den bedst besøgte klubkamp nogensinde i dansk fodbold.Interessen var enorm for topbraget i sidste runde, der meget vel kunne afgøre det danske mesterskab, men AGF kunne også nå at snyde københavnerne og fynboerne.Tilskuertallet blev opgjort til 43.400, men mange gik forgæves i en tid, hvor Idrætsparken rummede ca. 52.000, men portene blev lukket et kvarter før kampstart på grund af kaotiske tilstande.Podcasten fokuserer på KB's og B1909's historie i årene op til 1964-sæsonen, hvor de to klubber flere gange krydsede klinger - og med særligt fokus på guldkampens to trænere: B1909's Carlos Pintér og KB's Walter Presch.De delte ikke blot en fortid i schweizisk fodbold, men havde også begge tidligere stået i spidsen for den klub, de nu stod overfor i de afgørende timer i Idrætsparken.

In this episode, Patrick Velliky, Chief External Affairs Officer at HaloMD, discusses insurer participation challenges in the IDR process, the impact of outlier arbitration awards, and how providers can better navigate the No Surprises Act landscape.This episode is sponsored by HaloMD.

The new federal student loan regulations are about to throw a wrench into grad and professional borrowers' repayment options, and we're tackling some of the most pressing questions borrowers are calling in with. We break down why one loan disbursed after July 2026 can flip somebody from a clear forgiveness path to being stuck in a repayment plan that costs you double (or more). You'll also learn strategies for handling PSLF account issues, navigating income certification if your income drops, and the mental health toll all these changes might take. Key moments:(01:23) Why a single loan disbursed after July can potentially double your total repayment(08:54) Using pay stubs vs. tax returns to certify IDR plan income(15:26) Mental health, financial hopelessness, and why no student loan situation is truly unrecoverable(24:21) Calculating physician debt-to-income ratio for PSLF as a resident vs. attending(28:53) Why federal loan caps will trigger chaos in grad school funding and may force program closures or major tuition shiftsLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:Tips I Can't Share PubliclyGetting our free newsletter? Upgrade your experience and discover student loan loopholes so good, they might get repealed if I talk about them publicly. Find out my very best thought leadership that I really just can't be open about anymore, unfortunately. If you want to get our very best tips, not just the ones that I can share for free. Go to studentloanplanner.com/insider to get a special discount for your year membership. Want more? Check out our other podcastStarting to think beyond your student loans? Check out our other show, Financially Free Era. It's about what comes next, investing, building wealth, and designing a life you actually want. Find "Financially Free Era by SLP Wealth" in your podcast app.

I DR's program Deadline læste den højreorienterede digter Frederik Lind Køppen onsdag op fra sin nye digtsamling. Og imens Frederik Lind Køppen læser op fra sin digtsamling står han i en t-shirt, som efterfølgende har fået en del kritik. Flere mener nemlig, at den forherliger folkemordet på Balkan, også kaldet Srebrenica-massakren. Én af dem, det er Christian Axboe Nielsen, som har en ph. d. i østeuropæisk historie, som mener, at DR offentligt bør beklage og tage afstand fra t-shirtens motiv.See omnystudio.com/listener for privacy information.

Listen in with student debt expert Dr. Tony Bartels in this next installment of our Student Debt Series covering the latest news and information on student loans. In this episode we have seven major topics we're addressing: RAP rule change alert What does this rule change mean for repayment strategies Class of 2026 new grads, STILL do not consolidate Determine your IDR profile, know your monthly interest accrual, know your starting repayment balance, & run your Simulations! RAP subsidies – what are they? Will you benefit? For how long? What's next? RAP to IBR 2014 vs. IBR 2014 only vs. RAP only vs. other? How to get help   As always, we want to hear from YOU. Please share your thoughts by sending an email or joining the conversation.   GUEST BIO: Dr. Tony Bartels Tony Bartels, DVM, MBA graduated in 2012 from the Colorado State University combined MBA/DVM program and is a VIN Foundation Board Member and Student Debt Expert, and an employee of the Veterinary Information Network (VIN). He and his wife, a small-animal internal medicine specialist practicing in Denver, have more than $400,000 in veterinary-school debt that they manage using federal income-driven repayment plans. By necessity (and now obsession), his professional activities include researching and speaking on veterinary-student debt, providing guidance to colleagues on loan-repayment strategies and contributing to VIN Foundation resources. Beyond debt, his professional interests include small- and exotic-animal practice. When he's not staring holes into his colleagues' student-loan data, Tony enjoys fly fishing, ice hockey, camping and exploring Colorado with his wife, Audra, daughter, Lucy, and their two rescued canines, Addi and Maggie. LINKS AND INFORMATION: Urgent message for Class of 2026: https://vinfoundation.org/urgent-for-class-of-2026-do-not-consolidate-your-federal-student-loans/ 2026 New Grad Student Loan Playbook: https://vinfoundation.org/resources/veterinary-new-grad-student-loan-repayment-playbook/ Check your current student loan servicers and other loan details -- VIN Foundation My Student Loans tool: http://www.vinfoundation.org/mystudentloans VIN Foundation WikiDebt: IDR Profiles Student Loan Repayment Simulator: https://vinfoundation.org/loansim  VIN Foundation WikiDebt: https://vinfoundation.org/wikidebt VIN Foundation Webinars: https://vinfoundation.org/resources/webinars/ VIN Foundation Get Updates: https://vinfoundation.org/updates/ VIN Foundation GIVE page to support this podcast: https://vinfoundation.org/give VIN Foundation Blog, Related Student Debt Blog posts:  2025 Year End Wrap & Preparing for 2026: https://vinfoundation.org/federal-student-loan-repayment-2025-year-end-wrap-and-preparing-for-2026/ 40 veterinary school simulations in 60 days: 40 in 60 Project: https://vinfoundation.org/resources/veterinary-student-debt/40-veterinary-school-loan-estimations-in-60-days/ Changes to federal student loans come into focus: https://vinfoundation.org/changes-federal-student-loans-come-into-focus/ Student Loan Repayment: Trying to leave the SAVE forbearance? Choose PAYE: https://vinfoundation.org/student-loan-repayment-trying-to-leave-the-save-forbearance-choose-paye/  Student Loans in SAVE Plan Will Start Accruing Interest August 1st: https://vinfoundation.org/student-loans-in-save-plan-will-start-accruing-interest-august-1st/  Personalized student loan Help from VIN and VIN Foundation: https://vinfoundation.org/veterinary-student-loan-debt-help/  Federal Student Aid Data, Consolidation, and Repayment Applications: https://studentaid.gov/ One-time Forgiveness Count Adjustment  https://studentaid.gov/announcements-events/idr-account-adjustment Federal Student Loan Servicers: https://studentaid.gov/manage-loans/repayment/servicers Public Service Loan Forgiveness (PSLF): https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service Have a veterinary story you want to share? https://share.hsforms.com/1e6QkQvg2RI-wpDv59Byqkwcos60 Stay up to date with VIN Foundation updates: https://vinfoundation.org/updates/ Email VIN Foundation: studentdebt@vinfoundation.org Get updates to stay tuned for the VIN Foundation webinars on student debt.  You may learn more about the VIN Foundation, on the website, or join the conversation on Facebook, Instagram, LinkedIn, and YouTube. If you like this podcast, we would appreciate it if you follow and share. As always, we welcome feedback. If you have an idea for a podcast episode, we'd love to hear it!

A candid look at what our student loan experts are seeing in real-time consultations. The throughline: borrowers need to pull their heads out of the sand because too many are sitting on consolidation deadlines, surprise recertifications, and PSLF misconceptions that could cost them years of credit. The conversation moves from urgent Parent PLUS deadlines to PSLF edge cases, then to disability planning and ABLE accounts — every topic drawn from patterns the team is seeing across recent consults.Key moments:(03:47) Parent PLUS borrowers must consolidate before July 1 to preserve IDR access(08:09) Servicers are pulling tax data months early — revoke IRS consent to control your recertification(22:29) Big Beautiful Bill removes IBR's hardship test, reopening PSLF for high earners(36:13) Disability creates two tracks: IDR recalculation for income drops, or Total and Permanent Disability Discharge(42:07) ABLE accounts let families save for disability expenses with tax-free growth, and 529 funds can roll inResources mentioned: StudentAid.gov - official Federal Student Aid site for IDR, consolidation, PSLF, disability discharge, and more Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:The SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplannerFree Student Loan newsletterIf you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletter

You saw the clip. You saw the reactions. But you didn't see what actually happened. In this episode of Dr. Marianne Land, I sit down with eating disorder therapist and fat-positive advocate Edie Stark @ediestarktherapy to unpack what it was really like to be placed in a highly edited, high-pressure “debate” with Jillian Michaels. This conversation pulls back the curtain on how media formats shape narratives, how nuance gets erased, and how anti-fat bias shows up in ways that often go unexamined. If conversations about body positivity, eating disorders, and health have ever felt confusing or overly simplified, this episode offers a more grounded, clinically informed perspective. What Really Happened Behind the Scenes Edie walks through her experience from the moment she was contacted to participate to what it felt like entering a space designed for speed, pressure, and spectacle. She shares how little time participants were given to prepare, how decisions were made about who could speak, and how the structure itself limited meaningful dialogue. This part of the conversation highlights how production choices can influence not just what is said, but what is ultimately seen and believed by millions of viewers. Why This Wasn't a True Debate This was not a setting built for thoughtful exchange. It was a format that rewarded quick reactions over depth and tension over understanding. We explore how the pace, editing, and framing made it nearly impossible to have a nuanced conversation about eating disorders, body diversity, and health. When complex topics are reduced to short, high-intensity moments, important context disappears, and the public is left with an incomplete and often misleading picture. Eating Disorders, Body Positivity, & Fatphobia At the center of this episode is a deeper conversation about eating disorders and the realities of living in a body in a culture shaped by weight stigma. We talk about why body size alone cannot define health, how anti-fat bias affects people across body sizes, and how systemic factors like racism, stress, and access to care are often ignored in mainstream conversations. Edie also shares why certain medicalized language can feel harmful to many people and how language choices can either support or alienate those seeking help. The Reality of Viral Backlash & Online Harassment After the episode aired, Edie experienced an intense wave of online backlash. We talk openly about what it's like to be misrepresented, to have people form strong opinions based on a short, edited clip, and to navigate the emotional toll of public scrutiny. This part of the conversation also explores how social media amplifies outrage, how quickly misinformation spreads, and how difficult it can be to stay grounded in your values when faced with large-scale criticism. What This Conversation Is Really About This episode goes far beyond one moment on camera. It speaks to the larger systems that shape how we understand eating disorders, body image, and health. It is about advocating for people in larger bodies, challenging harmful assumptions, and bringing nuance back into conversations that are often flattened into extremes. If you've ever felt like something was missing from mainstream discussions about food and bodies, this conversation names it directly. Follow Edie Stark To learn more from Edie Stark and follow her work as an eating disorder therapist and fat-positive advocate, you can connect with her on Instagram @ediestarktherapy and other social platforms. You can also go to her website, starktherapygroup.com or her consultation website ediestark.com. Her work centers compassionate, ethical, and evidence-informed care for individuals navigating eating disorders and body image challenges. Related Episodes With San Diego Eating Disorder Therapist & Consultant Edie Stark, LCSW What Your Therapist Needs to Know About Eating Disorders on Apple & Spotify. The Hidden Risks of Non-Specialized Eating Disorder Treatment on Apple & Spotify. The Diet/Wellness Industry, Accessibility, & Diet Culture on Apple & Spotify. Anti-Fat Bias & the Importance of Advocacy on Apple & Spotify. Link to Jubilee "Surrounded" Episode With Jillian Michaels Content caution: In this show, participants address anti-fat bias and systemic oppression. Assumptions that being fat automatically means that you're not healthy are a big part of this conversation. I (Dr. Marianne) found it very activating and could only watch about half of it--the half that included Edie's sections. So please take care when you decide whether and how much to watch. https://www.youtube.com/watch?v=M7K87rGoGps Work With Dr. Marianne If you're struggling with binge eating, ARFID, anorexia, bulimia, or feeling overwhelmed around food, support is available. I offer eating disorder therapy and coaching for adults across California, Washington, D.C., Texas, and globally. My approach is neurodivergent affirming and grounded in understanding sensory needs, routines, and the complexity of real-life eating struggles. You deserve care that sees the full picture of your experience. Learn more at: drmariannemiller.com Listen, Share, & Stay Connected If this episode resonated with you, rate it and share it with someone who needs a more nuanced conversation about eating disorders and body image. Follow Dr. Marianne Land on Apple and Spotify for more episodes on ARFID, binge eating, neurodivergence, and recovery.

I denne udsendelse kan du bl.a. høre: Ugens Forening – James har fokus på Nordsjællands Rollespillere Lokalnyt fra Humleborg Online Kulturkalenderen "Oplev Fredensborg" med Søren Hybschmann Reportage om Nivå Amatør teater Shortplay Jeg har haft en snak med formand i Nivå Amatør Teater, Tove von Jessen. Tove fortæller om deres næste forestilling ' Short Plays '. Og om konceptet ' Short Plays ' , og hvorfor man har valgt denne form. Samt om hvor og hvornår man kan overvære det. Og hvordan man får fat i billetter. Samtale med kulturudvalgsformand Per Frost Henriksen. Han fortæller om: Han fortæller om - sine 35 år i kommunalpolitik - Karlebo Kommune og nu Fredensborg Kommune - skiftet fra Fritid og Idræt til Kultur - de mange timer der bruges - overgangen ved kommunesammenlægningen i 2007 - sin hobby med foto Storyentertainer Graver Graversen fortæller

Costly Care – Why Healthcare is So Expensive Series Part 3 of 5. Host Adam Russo continues his special series with Scott Bennett, Esq., EVP, Provider Relations at The Phia Group continuing their discussion on the No Surprises Act (NSA). In this part, Scott discusses the independent dispute resolution (IDR) processes and how the NSA has shifted costs from patients to employers, particularly in self-funded plans, with providers winning arbitration cases 74% of the time and often receiving 3-5 times the Qualified Payment Amount (QPA). To stream our Station live 24/7 visit www.HealthcareNOWRadio.com or ask your Smart Device to “….Play Healthcare NOW Radio”. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen

I efteråret 1958 var KB tæt på at sende Schalke 04 ud i 1. runde af Europa Cup for Mesterhold. KB's unge og talentfulde hold var endda kun “forårsmestre”, mens et skadeplaget Schalke havde vundet deres syvende og hidtil seneste mesterskab med blandt andet en vesttysk verdensmester og en senere klubpræsident på holdet.Podcastvært Torkil Fosdal fortæller historien om, hvor de to hold stod i anden halvdel af 50'erne. Om en stor og sensationel københavnsk triumf i Idrætsparken. Om en returkamp på Glückauf Kampfbahn i Gelsenkirchen - med alle dets referencer til kul, stål, slid og sammenhold i Ruhr-distriktets velmagtsdage. Og om problemerne med at finde et spillested til en omkamp på neutral bane, fordi det stod 5-5 efter de to første kampe!Det endte med, at de danske amatører røg ud til de vesttyske halvtidsprofessionelle, men kampene skrev sig ind i den danske fodboldhistories lange række af ærefulde lige-ved-og-næsten-kampe.For KB var det ikke ligefrem “vigtigere at deltage end at vinde” - men dog vigtigere først at rejse til udekamp på selve kampdagen, så man i stedet kunne blive et par dage efter kampene og for eksempel tage en sejltur på Rhinen eller besøge Rijksmuseum i Amsterdam.Det var andre tider, og KB har prøvet mere end de fleste, for i disse dage hvor podcasten udkommer, fylder klubben 150 år!

We're bringing you a grab-bag of student loan updates you need to know about. Borrower defense letters are finally going out, long-term forgiveness is being processed (sometimes for borrowers who technically shouldn't qualify yet), and the Department of Education is quietly breaking its own IDR recertification timelines. We walk through what's actually happening, what to do if you're affected, and how to stay in control of your payment when the system isn't cooperating.Key moments:(03:16) PSLF buyback and why SAVE calculations are off the table(06:02) Long-term forgiveness is processing, including some surprising cases three years early(13:14) How to revoke tax return consent and take back control of your recertification date(16:52) What to expect when your payment changes after leaving SAVE(20:29) When your loans are incorrectly coded as Parent PLUS and the workaround to get the right payment planLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:Free Student Loan newsletterIf you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletterThe SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner

Flere børn og unge dyrker i dag idræt på højt niveau. Træningen er blevet mere intens, og kravene større – både fysisk og mentalt. Idrætsskader er i stigning. Denne gang handler Ugeskrift for Lægers podcast om vækstrelaterede skader blandt børne- og ungdomsfodboldspillere. Medvirkende: Diplomlæge i idrætsmedicin, praktiserende læge Torsten Rudbæk, Lægerne Fruens Bøge, Odense Klip og tilrettelæggelse: Karen Sigrid Jacobsen Musik: Frederik Ludwigs

What's a broken window doing in your home, your neighborhood, and your healthcare system?In this episode, I unpack the Broken Window Theory — a powerful idea that shows how small signs of neglect can snowball into major social problems.From parenting habits that shape children's futures to communities, healthcare systems, and even education reform, nothing stands alone.

Surprise billing for patients is largely gone, so why are so many self-funded employer health plans still getting hammered by out-of-network costs? We sit down with Scott Bennett, Chief Provider Relations Officer at the PHIA Group, to unpack what the No Surprises Act is doing in the real world and why federal arbitration is starting to look less like a safety valve and more like a payment engine.Scott walks us through the mechanics that matter: QPA as the median contracted rate, the short open negotiation window, and the IDR process where an arbitrator picks one of two numbers. Then we dig into the headline signals from PHIA's national NSA report analyzing more than 1.25 million federal IDR disputes across 23,000-plus providers. When offers land five to six times above QPA and initiating parties win around 80% of the time, it creates a powerful incentive to file early and file often. For employer-sponsored health plans, especially self-funded groups like school districts and public safety employers, that can translate into budget shocks, higher renewals, and rising stop-loss pressure even when members never see a bill.We also explore why a small cluster of providers can drive a disproportionate share of disputes, what hotspots in certain states may be telling us about market power and network penetration, and how brokers and benefits advisors can protect clients with better data, tighter timelines, and a real IDR strategy instead of a reactive scramble. If you advise plan sponsors, this is a must-listen on NSA compliance, healthcare cost containment, fiduciary responsibility, and the evolving economics of out-of-network reimbursement.If this helped you, subscribe, share it with a colleague, and leave a review so more plan sponsors and advisors can find the conversation. What IDR pattern are you seeing in your own claims data?

Cet épisode de podcast est inspiré du livre "l'éducation de l'âme" -Al-Ghazâlî, traduit et annoté par Idrîs De Vos. En plus de cet audio, je vous invite vivement à acheter le livre et le lire par vous-même pour en bénéficier pleinement.Si tu veux atteindre ton plein potentiel et devenir la meilleure version de toi-même : rejoins mon programe "Devenir 'Elle' I Révèle ton Potentiel"Mon Instagramhttps://www.instagram.com/bestofherself/Mon Programmehttps://www.bestofherself.com/formation/devenir/elle/revele/ton/potentielMon Site Webhttps://www.bestofherself.com/Ma Newsletterhttps://www.bestofherself.com/newsletter Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Figuring out how to pay for grad school is about to get a lot trickier—and the fate of student loan forgiveness hangs in the balance. We break down what the One Big Beautiful Bill (OBBB) Act means for new grads, why programs like PSLF and SAVE are under the microscope, and how upcoming changes will shift federal loan limits and forgiveness options. We tackle real listener questions on recertifying your income during a dental residency, PSLF processing times, loan capitalization, and married filing strategies. Key moments: (02:29) The new rules after July 2026: federal loan limits and the RAP plan for grad/professional students (03:32) Whether you can avoid in-school deferment to earn IDR credit during residency (06:14) How recertifying income before forgiveness can impact your spouse's payment under IDR (07:41) Why PSLF buyback is moving at a glacial pace, but traditional PSLF is still processing (13:12) Who will still benefit from forgiveness after the OBBB Act   Resource mentioned:  studentloanplanner.com/voicemail – submit questions to the show   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

If you've been coasting since COVID without recertifying your income-driven repayment plan, that grace period is officially over. We break down what recertification actually looks like right now and talk about recalculation, payment caps, the kinds of forbearances that help (or hurt) your progress toward forgiveness, and a weird glitch flagging people as Parent PLUS borrowers when they're not. You'll learn where to find your recert date, what to do when your loan servicer fumbles your file, and how to avoid common mistakes in a system that seems designed to trip you up, all while staying on track for PSLF or long-term forgiveness. Key moments: (04:02) Servicers pulling income 4 months before recertification dates — and sometimes applying new payments early (06:49) How to choose whether to recalculate, switch plans, or manually recertify in the IDR recertification portal (14:59) 626,000 pending IDR applications, and what to do if yours has been sitting for months (21:01) Payment caps and why denial letters aren't always bad (24:19) The Parent PLUS glitch making recertification impossible for some, and how to fix it   Resources mentioned:  StudentAid.gov for up-to-date recertification information and account access Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

We dig into who truly makes claim decisions in self-funded plans and why that matters when ethics and compliance collide. Adam Russo shares how fiduciary prudence, transparent compensation, and NSA arbitration are reshaping risk, trust, and costs.• plan sponsors as final decision makers on claims• plan documents lagging laws and mandates• compliance versus ethics as distinct obligations• transparent compensation, performance fees, and caps• fiduciary prudence in subrogation and settlements• NSA and IDR process failures driving higher spend• negotiation strategy, data, and calibrated offers• governance, documentation, and audit-ready processesFor more information or to schedule a demo of Benepower, go to BenePower.com

Timing your tax filing can mean serious savings on your monthly payments, especially if you're on an income-driven repayment (IDR) plan and aiming for forgiveness. We break down scenarios for when it makes sense to file right away, when to wait, and how married couples or borrowers with irregular income can play their cards for the biggest advantage. If you've ever wondered how your AGI or recertification date could influence your student loan bills, this episode gives you straightforward strategies you can use right now. Key moments: (07:48) Why when you file your tax return directly affects your IDR payment amount (10:59) Filing a tax extension is free, but if you owe taxes, you must pay by April 15 (18:13) When filing early (or on time) makes more sense than filing an extension (21:39) SAVE borrowers can lock in the ideal recertification date by switching plans between April 15 and October 15   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

On today's episode of the Empowering Plans podcast, attorneys Jon Jablon and Kendall Jackson discuss the current state of the No Surprises Act (NSA) and the Independent Dispute Resolution (IDR) process. From difficulties managing dispute volume to current litigation and legislative proposals, this episode provides key insight into changes to and challenges with the IDR process.

If your student loan payment is tied to your income, your tax return isn't just paperwork — it's part of your repayment strategy. Listen to a live tax webinar we did with Sim Terwilliger, CFP®, CSLP®, Director of Tax at SLP Wealth, as we share the biggest mistakes we're seeing this season, especially around married filing separately, community property states, and backdoor Roth IRAs — plus when filing an extension can legitimately save you real money on income-driven repayment. If you're navigating forgiveness, IDR, or just trying not to overpay Uncle Sam, this one's for you. Key moments: (02:09) Married filing separate vs. joint: when it lowers payments (08:29) The top mistake: Backdoor Roth errors that trigger penalties (20:37) Niche tax savings under RAP plan, managing AirBnbs, and passive income (35:31) The new SALT cap changes and who benefits   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Vi har fået besøg af direktør Henrik Brandt og redaktør/projektleder Søren Bang fra Idrættens analyseinstitut (også kendt som IDAN) til en snak om deres virke. IDAN blev sat på tidsmidlerne i 2004 for at måle og monitorere forhold omkring idrætten i danmark, både den kommercielle, den foreningsbaserede, eliteidrætten, faciliteterne og alt det andet. Uden deres arbejde ville vi ikke vide hvor mange der er fysisk aktive og på hvilke måder. Dermed ligger deres arbejde til grund for en stor del af de sundhedsfremmende aktiviteter der planlægges i de kommende år.NB: Programmet er et genudgivet program fra da Fitness M/K blev Produceret hos Radio24syv. Programmet blev sendt første gang 2018-04-28. "Hejsa, det er din vært, Anders her.Hvis du gerne vil følge bedre med i hvad der sker i Fitness M/K universet, så kan du nu blive skrevet op til vores nyhedsbrev. Der vil du på månedsbasis modtage nyheder om podcasten, som nye afsnit, kommende events, tilbud fra og samarbejder med podcast gæster.Du kan blive skrevet op til nyhedsbrevet her , læse nyt fra redaktionen her, se og søge afsnit her.Jeg håber at se dig i Fitness M/K universet på www." Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Fall 2026 is shaping up to be a financial aid cliff. If you're a grad student, parent of a college student, or a current professional school attendee, the shifts in borrowing limits, repayment plans, and the fate of Grad PLUS loans could seriously affect your finances and your future. Listen in as I answer listener questions and then pivot to the big question: what happens if you (or your kid) take out even one new federal loan after July 2026? Key moments: (00:42) PSLF Buyback: Which tax years might determine your payment? (05:48) The tax-extension strategy to keep a lower IDR payment for another year (11:53) Taking out just one loan after July 2026 blocks you from everything but the RAP plan (15:18) Parents borrowing on behalf of a child face especially bad news (18:23) Should you gamble your financial future? The "retire with defaulted Parent PLUS loans" strategy   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

The No Surprises Act (NSA) continues in 2026, protecting patients from surprise bills for emergency care and certain out-of-network services, with key developments involving extended enforcement discretion for the Qualified Payment Amount (QPA) calculation (possibly to August 2026) and ongoing regulatory focus on GFE's and IDR's. However, there are Congressional stalls with legislation to also protect providers. In this episode of the Edge podcast, Terry welcomes back Healthcare attorney Amanda Waesch, to discuss the current NSA policy enforcement and when is it time to contact an attorney?

He studied law, found success as an entrepreneur, and has since spent almost two decades in the social sector trying to make the world a better place. Gautam John joins Amit Varma in episode 437 of The Seen and the Unseen to share his reflections on society, technology, gender, friendships, fatherhood, the crisis of masculinity and his journey towards figuring out the world and himself. (FOR FULL LINKED SHOW NOTES, GO TO SEENUNSEEN.IN.) Also check out: 1. Gautam John on LinkedIn, Twitter, IDR, Rohini Nilekani Philanthropies and Substack. 2. From Strength to Strength — Arthur Brooks. 3. An Ode to Meanderness -- Episode 434 of The Seen and the Unseen (w Shruti Rajagopalan and Pranay Kotasthane). 4. The Final Episode -- Episode 128 of Everything is Everything. 5. Episodes of The Seen and the Unseen with Mohit Satyanand: 1, 2, 3, 4, 5, 6, 7. 6. The Surface Area of Serendipity -- Episode 39 of Everything is Everything. 7. Hikikomori. 8. Laayak. 9. The Loneliness of the Indian Man — Episode 303 of The Seen and the Unseen (w Nikhil Taneja). 10. The Loneliness of the Indian Woman — Episode 259 of The Seen and the Unseen (w Shrayana Bhattacharya). 11. India Moving — Chinmay Tumbe. 12. India = Migration — Episode 128 of The Seen and the Unseen (w Chinmay Tumbe). 13. Dreamers: How Young Indians Are Changing Their World — Snigdha Poonam. 14. Young India — Episode 83 of The Seen and the Unseen (w Snigdha Poonam). 15. Of Boys and Men -- Richard Reeves. 16. Inside the Hearts of Men and Women -- Episode 118 of Everything is Everything. 17. Understanding Human Sexuality -- Episode 126 of Everything is Everything. 18. Everything that turned out well in my life followed the same design process — Henrik Karlsson. 19. Unboxing Bengaluru — Malini Goyal and Prashanth Prakash. 20. Malini Goyal is the Curious One — Episode 377 of The Seen and the Unseen. 21. Testaments Betrayed — Milan Kundera. 22. Ken Wilber's Integral Theory. 23. Pucar. 24. Everybody's Free To Wear Sunscreen -- Baz Luhrmann. 25. Pratham Books. 26. The Center for Internet and Society. 27. Bistecca Tuscan Steakhouse. 28. The Life and Times of Shanta Gokhale — Episode 311 of The Seen and the Unseen. 29. The Incredible Curiosities of Mukulika Banerjee — Episode 276 of The Seen and the Unseen. 30. The Life and Times of Gurcharan Das -- Episode 425 of The Seen and the Unseen. 31. Seeing Like a State — James C Scott. 32. Rohini Nilekani Pays It Forward — Episode 317 of The Seen and the Unseen. 33. Bridging toward Belonging -- Brian Stout's Substack. 34. Relational State Capacity -- Dan Honig. 35. Team of Teams -- Stanley McChrystal. 36. Emergent Strategy -- adrienne maree brown. 37. Mother Mary Comes to Me -- Arundhati Roy. 38. Stain -- Sarah Joseph. 39. Heart Lamp -- Banu Mushtaq. 40. Babel -- RF Kuang. 41. Quarterlife -- Devika Rege. 42. Brotherless Night -- VV Ganeshananthan. 43. Exhalation -- Ted Chiang. 44. The Glass Hotel -- Emily St John Mandel. 45. Nilgiris - A Shared Wilderness -- Sandesh Kadur. Amit Varma and Mohit Satyanand run a course called Life Lessons, which aims to be a launchpad towards learning essential life skills all of you need. For more details, and to sign up, click here. And have you read Amit's newsletter? Subscribe right away to The India Uncut Newsletter! It's free! Also check out Amit's online course, The Art of Clear Writing. Episode art: 'Figuring' by Simahina.

Think of a four part story and this was! I Dr. Zeus present to you my past, present and future within this one man performance. The truth shall set you freeAs for Penguinchief66 Aka Alan Dave Chavez the CSA for the village of Walpi

SummaryIn this episode of The Compliance Guy, Sean Weiss interviews Joe Rivet, a healthcare attorney with extensive experience in federal matters, including prior authorization processes and the No Surprises Act. They discuss the potential changes in legislation regarding prior authorizations, the challenges faced by physicians in getting necessary treatments approved, and the implications of recent Supreme Court rulings on healthcare legislation. Joe shares insights on navigating appeals, the importance of advocating for patients, and the complexities of the IDR process.TakeawaysPrior authorization processes are being scrutinized for their impact on patient care.The proposed 'Doctors Know Best' bill aims to empower physicians.Advocating for patients is crucial, especially in off-label drug use cases.The No Surprises Act has significant implications for healthcare providers and patients.There is a lack of private right of action under the No Surprises Act.The IDR process is complicated and often exploited by private companies.Medical necessity determinations can be challenged, even after prior authorization approval.Physicians should not accept denials without exhausting all options.Recent Supreme Court rulings have clarified the limitations of private actions in healthcare disputes.Transparency in enforcement actions is needed for better accountability in healthcare.

2026 may be the most confusing year for student loans yet. Find out what's actually changing with repayment plans, forgiveness, and Parent PLUS loans — and learn what you should be paying attention to right now. We'll also hear real listener questions about PSLF during a government shutdown, IDR recertification delays, getting out of SAVE forbearance, and whether PSLF buyback is worth counting on. If you're feeling anxious heading into 2026, this episode can help you make smart decisions without overreacting. Key moments: (00:44) Does government shutdown time count for PSLF? (08:26) Moving out of the SAVE forbearance, PSLF buyback and family size rules (20:10) Considerations for filing taxes jointly vs. separately (29:30) Warning for Parent PLUS borrowers who are still borrowing or who haven't yet consolidated (35:31) RAP plan rollout and what borrowers should expect next Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Zihin: İçimizde ve Aramızda I Dr. Dan Siegel İstanbul Özet 01:50 Zihin Nedir? Bilimin Cevaplayamadığı Soru 03:12 Zihin Sadece Beyinde mi? 04:34 Zihin: Bedende ve Aramızda 06:23 Zihin = Enerji ve Bilgi Akışı 09:18 Kompleks Sistemler 13:37 Sağlık, Regülasyon ve Mindfulness 14:20 Bireysel Deneyim, Şifa ve Tıbbın Kör Noktası 21:55 Mindfulness Meditasyonuna Giriş Zeynep Aksoy Reset'in bu bölümünde, Dr. Dan Siegel'in İstanbul'daki konuşmasının temel kavramlarını bir araya getiriyor. Merkezde, sıkça sorulan ama net bir cevabı olmayan bir soru var: Zihin nedir? Dan Siegel'e göre zihin, yalnızca beynin içinde gerçekleşen bir süreç değildir. Zihin; bedende, ilişkide ve insanlar arasında akan bir enerji ve bilgi sistemi olarak ele alınır. Bu bakış açısı, zihni bireysel bir mekanizmanın ötesine taşıyarak, sağlık, dayanıklılık ve şifa kavramlarını yeniden düşünmeye davet eder. Konuşmanın ardından, bu çerçeveyi doğrudan deneyime taşıyan rehberli bir mindfulness meditasyonu yer alıyor. Meditasyon bölümü, zihnin kendi kendini organize etme, dengeleme ve dayanıklılık kapasitesine alan açmayı amaçlıyor. Zihin; içimizde ve aramızda. Farkındalık ise bu akışı görmenin ve dönüştürmenin yollarından biri. Zeynep Aksoy, saygın bir yoga eğitmeni ve Reset platformunun kurucusudur. Web sitesi üzerinden canlı ve kayıttan izlenebilen dersler, üyelik programları ve profesyonel eğitimler sunmaktadır. Online Stüdyo üyeliği ile günlük çevrim içi derslere, geniş bir arşive ve topluluk desteğine erişim imkânı sağlar. Ayrıca Zeynep, katılımcıların hareket, anatomi ve farkındalık konularında bilgilerini derinleştirmelerine yardımcı olmak için yenilikçi Fasyal Yoga Uzmanlık Programı'nı yürütmektedir. Daha fazla bilgi almak ve sertifikalı eğitimlere katılmak için: www.zeynepaksoyreset.com

Filing taxes married filing separately can be one of the most powerful tools for lowering income-driven student loan payments. But it's also one of the easiest ways to make costly mistakes if you're not careful. Meagan McGuire, CFP®, ChFC®, CSLP®, walks through what borrowers need to double-check before tax season hits. You'll learn when filing separately actually saves money, when it backfires, and how community property states completely change the math. Key moments: (05:32) Why married filing separately can dramatically lower IDR payments (09:58) Real numbers: comparing tax cost vs. student loan savings (17:28) The Roth IRA trap many married borrowers miss (23:37) Why community property states often create extra student loan savings   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Income-Based Repayment has turned into a maze for a lot of borrowers, from unexpected forbearances to confusing "partial financial hardship" determinations that don't add up. Learn why so many borrowers are stuck in SAVE forbearance, what's really going on with IBR denials, and what the Department of Education says it's going to fix by early 2026. We'll also talk about new proposed borrowing limits, how they could reshape entire professions, and what that might mean for your salary, PSLF strategy, and long-term plan. Key moments: (02:17) What "partial financial hardship" actually means — and when it shouldn't block IBR (05:29) The out-of-cycle rulemaking session and why 2026 could bring sweeping IDR changes (06:36) Why proposed borrowing caps could upend grad and professional programs (11:31) The ripple effects on earnings, PSLF planning, and long-term loan strategy (14:02) What might trigger Congress to rewrite the rules again before 2028 Resource mentioned: Apply for or recertify income-driven repayment   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

In this episode, Patrick Velliky, Chief External Affairs Officer at HaloMD, joins the podcast to discuss emerging trends in independent dispute resolution under the No Surprises Act. He shares insights on arbitration outcomes, key financial metrics, and how providers and facilities can use IDR to strengthen payer negotiations and stabilize revenue.This episode is sponsored by HaloMD.

We've been working on something big behind the scenes, and today I finally get to share it. We launched the SLP Insiders app, a dedicated community built for borrowers who want clarity, connection, and a calm place to ask questions without getting pulled into the noise of social media. Learn why we built it, who it's for, and how it can help you stay on track through the constant waves of servicer issues, PSLF updates, and IDR rule changes. If you've ever wished you had "your people" to talk loans with, this is the moment. Key moments: (01:54) The flood of borrower emails and how a community fills the gap (04:41) Profession-specific channels for physicians, dentists, lawyers, and more (10:10) RAP plan timing, huge interest subsidies, and why flexibility matters early on Resource mentioned:  The Student Loan Planner app   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

A lot of borrowers are wondering how to get their loans forgiven without getting crushed by taxes later, especially with that 2026 tax-free forgiveness deadline creeping closer. In this episode, I walk through the lesser-known ways forgiveness can be tax-free, how timing affects whether you owe anything, and what thoughtful planning looks like if you're headed toward taxable IDR forgiveness. You'll also hear several listener questions that tie directly into PSLF quirks, marriage and income decisions, and whether refinancing really makes sense for high earners. Key moments: (01:35) Employer lump-sum PSLF mess and how to escalate when servicers contradict themselves (08:11) Acupuncturist's loans, marriage stress, and married-filing-separately trade-offs (16:57) Should high earners refinance or keep federal protections and flexibility (26:03) What happens if PSLF rules get blocked, and who should actually worry (29:11) Tax-free forgiveness strategies, tax bomb planning, and smart moves before 2026   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Dr. Julie Ann Justo is joined by experts Drs. Krista Gens and Javier A. Villafuerte Gálvez as they dive deep into the gut microbiome and explore the latest therapeutic frontier for C. difficile infections.  From bacteria battles to breakthrough treatments, this one's a must-listen! You can also review the helpful infographic on our website (https://breakpoints-sidp.org/infographics/). This podcast was supported by an unrestricted grant from Nestlé Health Science. References: Helpful review from one of our guest experts: Gens KD, et al. Fecal microbiota transplantation and emerging treatments for Clostridium difficile infection. J Pharm Pract. 2013 Oct;26(5):498-505. doi: 10.1177/0897190013499527. PMID: 23966282. More modern review: Herbin SR, et al. Breaking the Cycle of Recurrent Clostridioides difficile Infections: A Narrative Review Exploring Current and Novel Therapeutic Strategies. J Pharm Pract. 2024 Dec;37(6):1361-1373. doi: 10.1177/08971900241248883. Epub 2024 May 13. PMID: 38739837. Review on designing microbiota based therapies (pre-print only): Ke S, et al. Rational Design of Live Biotherapeutic Products for the Prevention of Clostridioides difficile Infection. 2024 May 02. doi: 10.1101/2024.04.30.591969. [FDA Guidance regarding IND requirements for fecal microbiota transplant](https://www.fda.gov/regulatory-information/search-fda-guidance-documents/enforcement-policy-regarding-investigational-new-drug-requirements-use-fecal-microbiota). 2022 Nov. OpenBiome webpage with resources for hospitals: How to Start an FMT Program. 2025. Peery AF, et al. AGA Clinical Practice Guideline on Fecal Microbiota-Based Therapies for Select Gastrointestinal Diseases. Gastroenterology. 2024 Mar;166(3):409-434. doi: 10.1053/j.gastro.2024.01.008. PMID: 38395525. Johnson S, et al. Clinical Practice Guideline by the Infectious Diseases Society of America (IDSA) and Society for Healthcare Epidemiology of America (SHEA): 2021 Focused Update Guidelines on Management of Clostridioides difficile Infection in Adults. Clin Infect Dis. 2021 Sep 7;73(5):755-757. doi: 10.1093/cid/ciab718. PMID: 34492699. Henry Ford's experience getting fecal microbiota products for patients: Abene S. Fecal Microbiota Capsules Improve CDI Access Through Specialty Pharmacy Integration. Contagion Live. 2025 Jul 11. An international view on CDI management: Mendo-Lopez R, et al. Best Practices in the Management of Clostridioides difficile Infection in Developing Nations. Trop Med Infect Dis. 2024 Aug 19;9(8):185. doi: 10.3390/tropicalmed9080185. PMID: 39195623. Review on investigational LBP agents: Monday L, et al. Microbiota-Based Live Biotherapeutic Products for Clostridioides Difficile Infection- The Devil is in the Details. Infect Drug Resist. 2024 Feb 15;17:623-639. doi: 10.2147/IDR.S419243. PMID: 38375101. More on quorum sensing: Falà AK, et al. Quorum sensing in human gut and food microbiomes: Significance and potential for therapeutic targeting. Front Microbiol. 2022 Nov 25;13:1002185. doi: 10.3389/fmicb.2022.1002185. PMID: 36504831. Economic impacts of CDI pts: Reilly J, et al. Economic impact of multiple recurrent Clostridioides difficile infection in a community teaching hospital. Infect Control Hosp Epidemiol. 2025 Sep 29:1-3. doi: 10.1017/ice.2025.10295. Epub ahead of print. PMID: 41020576.

Emotional, impulsive reactions can sabotage long-term returns, we will explain the disciplined strategies you will need to adapt and navigate today's volatile markets. Today's Stocks & Topics: Cal-Maine Foods, Inc. (CALM), Market Wrap, Idaho Strategic Resources, Inc. (IDR), 3 Costly Mistakes Novice Investors Need to Avoid Right Now, Prysmian S.p.A. (PRYMF), Lumen Technologies, Inc., Tariffs, KBR, Inc. (KBR), Pre-Tax Allocation vs. Roth I-R-A, The Procter & Gamble Company (PG), Young People Are Not Buying Homes.Our Sponsors:* Check out Anthropic: https://claude.ai/INVEST* Check out Gusto: https://gusto.com/investtalk* Check out Progressive: https://www.progressive.com* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

We live in an era of infinite scrolls, curated feeds, and algorithms, with each click designed to keep us hooked just a little longer. But the promise of technology has too often become a race for metrics and growth, moving further away from its original purpose: connecting people. In this episode, we’re speaking to Grace Clapham and Priya Goswami, two people embedded in the worlds of tech and ethical innovation. Grace is the founder of The Worth Club, a movement reimagining leadership, value, and self-worth, and former Director of Community Partnerships at Meta. Priya is a national award–winning filmmaker and co-founder of Mumkin App, an ethical tech initiative focused on feminist technologies. Each of them unpacks how we got here and what it will take to centre wellbeing and community in a tech-first world. Host: Devanshi VaidProduced and edited by: Shreya Adhikari, Devanshi Vaid, and Halima AnsariIDR is an online journal that publishes cutting-edge ideas, lessons, and insights written by and for the people working on some of India’s toughest problems. For more information about IDR, visit www.idronline.com. Also, follow IDR on Linkedin, Instagram, Facebook, and Twitter. Watch the episode here, or read the transcript here. This podcast is a Maed in India production.Donate: https://idronline.org/donate/

Activism can often feel like a race against time; the gravity of injustice too urgent to look away from. But what does this constant sense of urgency mean for the well-being of those at the frontlines of responding to these crises? In this week’s episode of On the Contrary by IDR, we speak to two veteran activists from South Africa. Kumi Naidoo is a human rights and environmental justice activist who has led major global organisations including Amnesty International and Greenpeace. He is joined by Louisa Zondo, the former head of the South African Human Rights Commission and founder of the Riky Rick Foundation for Promotion of Artivism. Listen as Kumi and Louisa discuss the importance of care and well-being when confronting the most pressing issues of our time. Host: Devanshi VaidProduced and edited by: Shreya Adhikari, Devanshi Vaid, and Halima AnsariIDR is an online journal that publishes cutting-edge ideas, lessons, and insights written by and for the people working on some of India’s toughest problems. For more information about IDR, visit www.idronline.com. Also, follow IDR on Linkedin, Instagram, Facebook, and Twitter. Watch the full episode here, or read the transcript here. This podcast is a Maed in India production.Donate: https://idronline.org/donate/

Big changes are here for student loans—and if you're a doctor, student, or high-debt professional, this episode could save you thousands. Dr. Disha Spath sits down with Aaron Smith, co-founder of Savi and longtime student loan policy advocate, to break down the One Big Beautiful Bill Act and what it really means for your financial future. Aaron has worked with the Department of Education, Congress, and the White House—and he's carried student debt himself. Together, he and Dr. Disha unravel the brand-new Repayment Assistance Plan (RAP), the elimination of Grad PLUS loans, and how these reforms reshape repayment strategies, PSLF, and refinancing decisions. Key Topics Covered: 1. The Big Beautiful Bill, Simplified What's changing in federal student loan repayment. Which repayment plans are gone, and the details behind RAP. 2. RAP vs. Current Plans Why RAP bases payments on gross income. Why locking into an income-driven repayment plan before 2026 could be a smart move. 3. PSLF Stays Strong  The good news: PSLF wasn't touched by the new law. How to avoid errors with employer certification and payment tracking. 4. Goodbye Grad PLUS Loans How cutting Grad PLUS reshapes graduate and medical school financing. What rising reliance on private loans means for lower-income students. 5. Smart Moves for Current Borrowers How to maximize forgiveness and avoid costly mistakes. Critical timelines for choosing your repayment plan. 6. Should You Refinance? When private refinancing could save you money—and when it locks you out of forgiveness forever. What falling interest rates might mean for borrowers in 2025–2026. 7. Employer Support & Advocacy How hospitals, universities, and employers are stepping up with student loan benefits. Why employer advocacy is helping expand PSLF eligibility. Listener Takeaways: Act before July 2026: Enroll in an income-driven plan now to keep your options open. PSLF is safe—but annual employer certification is key to avoiding lost credits. Future grad students beware: With Grad PLUS gone, private loans will change the game. Refinancing is final: weigh lower interest rates against losing federal protections. Stay plugged in—loan policy is shifting fast, and being proactive could save you years of payments. Resources Mentioned: Black Swan Real Estate Savi Student Loan Platform Secure Freedom Fund U.S. Department of Education PSLF Help Tool Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Aaron Smith, Co-Founder of Savi   This episode is brought to you by Black Swan Real Estate, led by physician-investor Dr. Elaine Stageberg.  Dr. Stageberg, a Mayo Clinic–trained physician, together with her husband Nick, has spent years building Black Swan Real Estate into a diversified, large-scale portfolio now approaching half a billion dollars across 2,000 doors.  Now, through their Secure Freedom Fund, a 10% fixed rate of return offering, you can invest alongside them. The Secure Freedom Fund offers institutional-quality real estate opportunities—designed to deliver strong cash flow, long-term growth, and remarkable tax advantages.  This fund is uniquely structured so that each investor can tailor it to their own individual goals: a minimum investment of just $25,000, the ability to choose monthly cashflow distributions or to elect the compounding option for higher overall growth, the option to exit the fund on your timing, the flexibility to invest in your personal name, a trust, an LLC, or a retirement account, and so much more.  If you're an accredited investor who's ready to diversify beyond Wall Street and invest with experienced, trust worthy operators who've been exactly where you are, visit SecureFreedomFund.com today to learn more. From there, you can review the slides, watch the webinar, and even a book a call directly 1:1 with Dr. Elaine Stageberg.  That's SecureFreedomFund.com.

When we talk about philanthropy, we usually focus on the tangible: what’s being funded, where the money goes, and what results it delivers. But behind every outcome is a relationship—between funders and grantees, between organisations and the people they serve. So what would it take to centre well-being, not just as a perk or an afterthought but as a guiding principle of how philanthropy works? Mahendra Pandey of Humanity United and Steven Harris of Fetzer Institute discuss on this week’s episode of On the Contrary by IDR. Host: Devanshi Vaid Produced and edited by: Shreya Adhikari, Devanshi Vaid, and Halima Ansari IDR is an online journal that publishes cutting-edge ideas, lessons, and insights written by and for the people working on some of India’s toughest problems. For more information about IDR, visit www.idronline.com. Also, follow IDR on Linkedin, Instagram, Facebook, and Twitter. Watch the full episode here, or read the transcript here. This podcast is a Maed in India production. Donate: https://idronline.org/donate/

What does well-being mean when systems are built on conflict and violence, and who gets to define what healing looks like? This week’s episode of On the Contrary by IDR brings together two guests who have witnessed conflict up close. Paula Moreno, founder of Manos Visibles (Visible Hands), works on racial and territorial justice in Colombia and is the youngest person to hold a cabinet position in Colombia’s government. Dr Jean Bosco Niyonzima, raised during the ethnic conflict in Rwanda, is a doctor, a social entrepreneur, and an expert in trauma healing and community-based mental health. Listen as they discuss the complexities of building collective healing, the meaning of well-being in conflict-affected systems, and the lessons their experiences offer for communities around the world. Host: Devanshi VaidProduced and edited by: Shreya Adhikari, Devanshi Vaid, and Halima Ansari IDR is an online journal that publishes cutting-edge ideas, lessons, and insights written by and for the people working on some of India’s toughest problems. For more information about IDR, visit www.idronline.com. Also, follow IDR on Linkedin, Instagram, Facebook, and Twitter. Watch the full episode here, or read the transcript here. This podcast is a Maed in India production.Donate: https://idronline.org/donate/

How does the media function in times of crisis? How do audiences respond to multiple stories of crisis one after another? Is it possible for journalists to cover conflict without causing harm to themselves or others? And what is the emotional cost of journalism in the 21st century? In this episode, Mar Cabra, a Pulitzer Prize–winning investigative journalist and the co-founder of The Self-Investigation, and Nat Kendall-Taylor, CEO of the FrameWorks Institute, a communications think tank, discuss how the stories we tell can balance truth and care. Host: Devanshi VaidProduced and edited by: Shreya Adhikari, Devanshi Vaid, and Halima Ansari IDR is an online journal that publishes cutting-edge ideas, lessons, and insights written by and for the people working on some of India’s toughest problems. For more information about IDR, visit www.idronline.com. Also, follow IDR on Linkedin, Instagram, Facebook, and Twitter. Watch the full episode here, or read the transcript here. This podcast is a Maed in India production.Donate: https://idronline.org/donate/

Mike Feldstein discusses Air Quality with Dr. Ben Weitz. [If you enjoy this podcast, please give us a rating and review on Apple Podcasts, so more people will find The Rational Wellness Podcast. Also check out the video version on my WeitzChiro YouTube page.]   Podcast Highlights Improving Indoor Air Quality for Better Health with Mike Feldstein   In this episode of the Rational Wellness Podcast, Dr. Ben Weitz discusses indoor air quality with Mike Feldstein, founder of Jaspr. Mike shares his journey from wildfire and mold restoration to developing a high-quality, quiet air scrubber designed for home use. They explore the impact of poor indoor air quality on health, the limitations of standard air purifiers, and practical tips for improving air quality at home. Mike highlights the importance of clean air, particularly in bedrooms, and offers insights into air filtration, mold detection, and the prevalence of microplastics. The episode emphasizes the need for greater air awareness in the wellness space and introduces Jaspr's advanced air scrubber as a comprehensive solution.   00:00 Introduction to the Rational Wellness Podcast 00:26 Meet Mike Feldstein: Air Quality Expert 01:37 The Importance of Air Quality 06:09 Challenges in Indoor Air Quality 08:17 Wildfire Impact on Air Quality 14:17 Mold and Indoor Air Quality 24:02 Healthy Homes and Air Filtration 26:46 Cooking and Air Quality 27:30 Wildfire Smoke and Indoor Air Quality 28:11 Range Hood Efficiency Test 29:07 HVAC Systems and Air Circulation 31:33 Microplastics in Indoor Air 34:17 Sources of Microplastics 37:49 Impact of Pets on Indoor Air Quality 39:48 Optimizing Bedroom Air Quality 43:06 Jaspr Air Purifier Features 48:32 Special Offer and Conclusion      __________________________________________________________________ Mike Feldstein is the founder of Jaspr, a high quality air scrubber, and an air quality expert. With a background in wildfire restoration, air quality consulting, and home remediation during some of the biggest natural disasters, Mike started Jaspr to innovate in air science and technology. His goal is to protect air quality and improve human health using the latest air quality science.  You can learn more by going to Jaspr.co.  The cost of Jaspr is normally $1199, but if you use the discount code WEITZ for the next 2 weeks it will only be $799.  Dr. Ben Weitz is available for Functional Nutrition consultations specializing in Functional Gastrointestinal Disorders like IBS/SIBO and Reflux and also Cardiometabolic Risk Factors like elevated lipids, high blood sugar, and high blood pressure.  Dr. Weitz has also successfully helped many patients with managing their weight and improving their athletic performance, as well as sports chiropractic work by calling his Santa Monica office 310-395-3111. _____________________________________________________________________________________________________________________ Podcast Transcript Air Quality with Mike Felstein: Rational Wellness Podcast 422 Dr. Weitz: [00:00:00] Hey, this is Dr. Ben Weitz, host of the Rational Wellness Podcast. I talk to the leading health and nutrition experts and researchers in the field to bring you the latest in cutting edge health information. Subscribe to the Rational Wellness Podcast for weekly updates and to learn more, check out my website, dr whites.com. Thanks for joining me, and let's jump into the podcast. Hello, rational Wellness podcasters. Today I am excited to be having a discussion about indoor air quality with Mike Feldstein. I believe this is the first detailed discussion we've had on this podcast about indoor air quality. Mike Feldstein is the founder of Jasper. Which is a high quality air scrubber, and Mike is an air quality expert. He has a background in wildfire restoration, which is especially significant to those of us living in Los Angeles in [00:01:00] 2025. And he was also involved with air quality consult consulting, home remediation during some of the world's biggest natural disasters. Mike started Jasper. To innovate in air science and technology. And his goal is to protect air quality and improve human health using the latest air quality science. Mike, thank you so much for joining us. Thanks for having me, man. I'm excited to talk all things air with you. So I guess you're an airhead. Air snob, a snob. There you go. Perhaps you can tell us what you were doing for a living and how you became interested in air Mike: quality. Yeah, so it's kind of twofold. The big one was, my background was in wildfire flood and mold restoration. So we weren't doing it locally, we were traveling. So anywhere where the biggest disaster was in North America, that's where we were going. So California wildfires, [00:02:00] hurricane Harvey Canadian wildfires, floods, hailstorms, all that kind of stuff. So it was like really disaster response restoration. And the main thing that you do when you're remediating anything is you have to clean the surfaces and the air. People think about mold removal, but visually you only think mold remediation has like removing the mold. But that's not the case when you remove mold. You're isolating the environment, you're removing the physical materials and you're scrubbing the air inside and outside. So a lot of restoration and environmental cleanup, it's equal parts air as it is surface cleaning. And we would use these big machines called air scrubbers. They were huge, loud, they kind it like, like this, like big subwoofer looking things. Very loud, very industrial, but they clean the air incredibly well and. When I started comparing that to air purifiers that you would find out like a big what Walmart Best Buy, home Depot. What people [00:03:00] imagine when they think about an air purifier are the scrubber specs versus the purifier specs was almost like 20 to one, and I'm like. This doesn't really make much sense because people are buying air purifiers for wildfire smoke all the time, and it's way too small to get the job done. An analogy I like to use for people is it's like trying to heat your bathtub with a kettle, using a little air purifier to try to clean your air. It's tea. A kettle is fantastic if you're trying to make a pot of tea, but you cannot heat your bathtub with a kettle because it's gonna be cooling down faster than you can possibly heat it up. So the. I, and it was frustrating because we would remediate a home after wildfire or smoke, detox it, clean it three weeks later, it would be contaminated again, because often the ambient outdoor environments after a disaster would stay bad for months. So I'm like, okay, where can I find a. Beautiful air scrubber, a quiet air scrubber that people could leave in their homes [00:04:00] regularly, that wouldn't sound like a truck, and they didn't exist. So that's when I realized that, okay, there's lots of remediation and restoration companies, but how can there possibly be no product that works like a scrubber, but that is also quiet and beautiful? So that kind of changed my path from all things restoration to just completely focusing on air. And then the other side of that was when we would, in between disasters, we would do air consulting. So if somebody was sick at home and they didn't know why, we would come to their home and test everything to figure out if something might be lingering in their environment that's keeping them sick. And people generally, water and air and EMF and everything, it's the normal is not good. So I kind of just. I realized that a lot of people are quite water aware, they're diet aware, they're movement aware, but air awareness relative to all these other big health inputs was completely un. You know, it wasn't getting the time and attention that it needs. And I started [00:05:00] seeing people have a huge be health benefits by improving their air. So I went all in. Dr. Weitz: It's definitely the case that those of us in the wellness community are really focused on the food we eat, the what we drink, the water, the pure purity of that. And we focus much less on the air, but yet we breathe a lot more air than we eat food or drink water. Mike: Yeah. So, to put it into perspective for people. The average person, let's say, eats two pounds of food a day, two or three pounds of food, drinks a gallon or so of water. But you can, you breathe up to 17,000 liters of air. You can go three weeks without food, three days without water, and only three minutes without air.  Air is the first thing breathing. It's funny with food, we talk more about the food that than we eat than how we eat it. We talk about the water, not how we drink it, but breath work and breathing gets a lot more conversation. This breath and breathing [00:06:00] gets a lot of attention while we're ignoring the actual air that we're breathing.  The air is the fuel that you're breathing and people are completely ignoring their fuel source. Dr. Weitz: So what are some of the biggest issues with indoor air quality? And I say this here in Santa Monica, California, right next to Pacific Palisades where we had these horrific fires. And I imagine the stuff being spewed into the air is probably not over. 'cause first you got the fires, then you got, they're quite, in a way, they're digging out the soil. And then we're gonna have all this massive construction happening soon here. Mike: So the big picture, the issue is. Roughly since the seventies, homes have been optimized to be airtight boxes, so they're incredibly tight. They're built to be energy efficient, keep the cool in, in the summer, keep the warm air, and in the winter. Now, if you think about a pond, if you think about a moving [00:07:00] stream or a current or a river, generally moving water. Clean water. Right? But when a stagnant pond, that's where you get algae, bacteria, mosquitoes. If you can imagine all the things that you see growing when water is stagnant. So outdoor air is free flowing. It's like the lakes, it's like the oceans. But we've built our homes. Basically our homes are little stagnant ponds. So because there's no air movement in our homes, this is where everything starts to grow and starts to fester. Plus, we spend like 95% of our times indoors on average. So there's a reason why you don't walk down the street and have mold problems, or have dust problems, or have VOC problems. These are indoor problems. Our homes are incredibly tight, and the greatest air purifier of all time is nature. The UV light from the sun, wind, rain trees, but we've trapped all that outside. We've trapped ourselves inside, and then we have thousands of chemicals in our homes from the paints to the flooring, the adhesives, the fire retardants, cooking [00:08:00] pets, and it just can't breathe. It has no airflow. So generally speaking, the problem is with how we build homes and how we live in a modern society. That is causing all of these problems, especially like, and then in a wildfire setting, you are absolutely right. So you ha like people ha, when you test the air quality and water quality and soil quality, it can stay bad for a very long time after a fire. And the recent LA fires in January are unique, like one I've never seen before because I've never seen that many homes burnt in that concentration. But also. That many electric cars. So I'm very curious like what happens when you burn four, 5,000 lithium batteries? We know, and everyone's been at a campfire where someone throws the bag of marshmallows in and they're like, that even looks and feels very toxic. So now imagine scaling that up to like a billion x when you have everything in every home that burnt every can of paint. The [00:09:00] walls, the floors, the furniture, the chemicals, the cleaning products, the cars, their batteries. So it's a very toxic soup. And then, yeah, so you have all that, of course, that gets in the soil and it gets in the water, and then every time that the wind blows, the ash kicks up more and more. And then, yeah, then you'll have your rebuild phase. It's a pretty big deal. Dr. Weitz: I know every day I would go out to my car after the fires and it would just be covered in soot and then you just think, oh my God, how much of that is getting into my lungs? Mike: A lot. And it's a tough situation because, and like a lot of people in LA, because the city is so vast, a lot of homes, it was unclear the amount of damage because. A lot of you go into your home, and if you don't. See piles of ash everywhere. You just figure, my home's fine. Its smelled smoky a couple weeks ago. It's all good now, but it doesn't really work that [00:10:00] way. Be if you test anybody who didn't detox their home in la now if you test their carpets, their couches, their bedding for hexavalent chromium, or polycyclic aromatic hydrocarbons or heavy metals. If you don't detox it and pull it out, just think about our bodies, how many years we can hold heavy metals and things if we don't detox it out. So every porous material in your home is the exact same, and a lot of people don't remediate and detox their homes because they don't realize that they need to. Dr. Weitz: Can you even detox that stuff out? Do you have to just throw out everything that's porous? The poor stuff is pretty hard to deal with. You're talking about mattresses and carpets and furniture and stuff, so it depends like Mike: which way the wind was blowing your proximity to the fire. So that's why TE testing can be a decent idea for people. Also, depends if people had good air filtration in their homes beforehand. So. If somebody had significant air filtration in their home, [00:11:00] then likely most of those particulates were being captured before they had a chance to settle on surfaces. But typically, all of the hard surfaces can be cleaned up, but the soft surfaces would be replaced. But it's not black and white at all. Actually created on YouTube. Oh, yeah we put it on YouTube recently. If people look on our YouTube and type in like Jasper Smoke course it used to be. Like an email thing, but now it's just totally free and it's on YouTube. So after the fire is up, I was chatting with everybody like an hour, several hours a night about their unique situation and 99% of those conversations was, were the exact same. So I just created a bunch of videos on how to assess your own home, do you, should you go with insurance, how to vet your contractors, how to detox your own home. All that kind of stuff. So people want, if anyone wants to dive deeper into smoke detox, it's all available on YouTube. Dr. Weitz: Interesting. And then and then I guess after all that, then detox your body as well [00:12:00] that I don't Mike: have experience in, but that's absolutely a good idea. You, you'd be the guy for that. Yeah. And if you think about it, like when a lot of people are sick at home, the their aha air moment. Often occurs when they go on a trip or they go camping and then they feel great and then they come home and they're sick again. And they have this moment, is my home making me sick? So if you're not optimizing for the, like your home, that's your fish tank. And if you think about how would you clean a swimming pool, you use a water filter. You don't jump in the pool and use a sponge and scrub the sides. You need to filter the water constantly, right? And. In a home, people are spending a lot of time and energy and money on mopping and vacuuming and wiping counters, and that's all great. But if you don't, if you don't also have a strategy in place to filter your air, you're just that. You're just in the swimming pool, scrubbing the sides and not filtering the water. And [00:13:00] guess what happens if you don't filter that pool of water? It turns green real fast, so people's indoor air, you cannot see it. Most of the time, but wow. When we test air, it's usually off the charts. Typically, we see indoor air that's five to 10 times dirtier than outdoor air. Dr. Weitz: So how do you find somebody, what's the best way to test the inside of your house? You have to have an expert come in and test it. Do they? How do you know? Mike: You know, so I used to be, that's what I used to do. Okay. And I can't tell you a time when I'd ever go into a home where if I tested someone's air or water, that it was good. Like it just isn't. Okay. Indoor air is pretty much always bad, so the practical way to test, there's a few things to look for, but a pr a practical thing, like you could go and pay $1,500 or more for an expert to come into your home, but, and I was that guy, but I did not feel good because the 80 20 like. They would've been better [00:14:00] off just getting the solutions. Dr. Weitz: Okay. Mike: Because, you know, just assume your home is toxic. If you want to verify it. And depending on people's budgets and everything, like if you test your home for mold, indoor and outdoor, there's always mold. I always tell people, if you ever wanna break a lease, call me. I'll come over and I'll find the mold. Well, Dr. Weitz: you need to talk about that a little more because mold's a big topic in the functional medicine world and we talk a lot about testing. You're home for mold testing, the body for mold, and there's a lot of controversy. Oh no, this test is not accurate. It's showing mold and maybe you don't really have mold, but I've heard you say before, and you just said here, that pretty much everybody has some degree of mold in their home. Mike: And in their body, like when have you ever done a test and seen zeros? That's not how it works. It's, Dr. Weitz: well, you know, it's interesting. I think that makes sense because mold is an important constituent of the environment. In fact, it's in the soil, you know, just like bacteria are. And the goal is not to [00:15:00] rid ourselves of all bacteria and all fungi. Mike: Yeah, exactly. Yeah. People know what happens if you take too much antibiotics, like you kill your immune system, right? So yeah, it's, people got this idea that like mold is the big enemy. The problem is you're, if you think about that piece, that sandwich. Out on the counter, not so bad. You put it in the Tupperware, it starts growing mold, and your home is essentially a big Tupperware box. So you have mold issues because if you live in a airtight home with no ventilation and no filtration, that's the real problem here. So typically when you do test for mold indoors, you always want to test outside and you want to test inside. And if you don't test outside, the test is completely useless. Because that's your control sample. So if it rained there, could the spore count is gonna be incredibly high inside and outside. Your indoor air comes from outside. So [00:16:00] if people have a noticeable odor in their home, it smells musty. Or if they've had water damage, if they've had leaks. Like if you have visible mold in your home, that is a time when you want to get restoration and remediation done. If it smells really strong of must and mold, that's when you may want to go and look for it. But I've seen a lot of people who, I call it whacka mold because they're just looking all over, you know, they're dealing with a little leak here and a little thing there, and they're cutting open this wall. Next thing you know, it's like investigative surgery of your home. And then, you know, next thing you know, you're living in another home for six months or 12 months and you're displaced and it costs a fortune. And a lot of people like it's not a black and white situation. And when I hear people talking about it, it's like, I've got the mold like. If you take a thousand people and you test everybody's home and bodies for mold, everybody has some amount of mold. It's more about like what concentration, what species, and technically you're not even supposed to [00:17:00] test for mold if it's rained within two or three days. I can't remember if it's 48 or 72 hours. Nobody, no mold testing company in the world that I've ever encountered upholds that standard. How could you imagine on a it, it drizzles that morning you canceled the job. You still have to pay your employees. The customer's not gonna want to pay you to not come, right? So nobody does that. You just take your control sample inside and outside, but it can dramatically skew results. But more or less, if you're living in a really tight home, the VOCs from your furnitures and the paints and the off gassing and the cooking and the mold is a big problem. So it's not that mo mold does make a lot of people sick, but you could have five people living in a home. Two are sick. One is moderately sick and two are completely fine because people you know, they detox differently and they ha have different severities of allergies to things. I honestly treat mold not so differently than pollen. Like someone could have their life. [00:18:00] Wrecked havoc from excessive pollen and someone else won't notice a thing. And I find mold to be very much like that, where for some people it's a big problem. For others it's not. But to me, like I preferred filtered water. My water budget is huge. We get glass bottles of water delivered every couple weeks, like. For me, air and water were like my first two. 'cause those are the two things that I need to survive the most. Right? If I can only live three minutes without air, clearly it's quite important to me. If I can only live a few days without water, also important. So where a lot of people are starting from supplements and then food, and then water, and then air. I've kind of flipped it a little bit where I'm dealing with the thing that I consume the most of and then branching up from that place. Dr. Weitz: I've really been enjoying this discussion, but I just want to take a few minutes to tell you about a product that I'm very excited about. Imagine a device that can help you manage stress, improve your sleep, and boost [00:19:00] your focus. All without any effort on your part. The Apollo wearable is designed to just to do just that, created by neuroscientists and physicians. This innovative device uses gentle vibrations to activate your parasympathetic nervous system, helping you feel calmer, more focused, and better rested. Among the compelling reasons to use the Apollo wearable are that users experience a 40% reduction in stress and anxiety. Patients feel that they can sleep. Their sleep improves up to additional 30 minutes of sleep per night. It helps you to boost your focus and concentration and it's scientifically backed. And the best part is you can get all these benefits with a special $40 discount by using the [00:20:00] promo code whites. W-E-I-T-Z, my last name at checkout to enjoy these savings. So go to Apollo Neuro and use the promo code Whites today. And now back to our discussion what is the best way if somebody wants to test their home for mold to do it so it's accurate. Mike: It's tough too. So there's multiple different tests and some skew positive and some skew negative. I mean, there's the Petri dishes. Dr. Weitz: We have the IMI test. Is there? Is there? You got the Mike: aerosols? Yeah. IMI basically is restoration. Companies love IMI because it's designed to be generally quite alarmist. So with an imi, it's testing your dust, right? There was obviously mold at some point in your air, so even if there's not mold. Today, a lot of it, there was some mold that passed through. So [00:21:00] you test take a dust sample and it's generally like a, it's designed to be a fairly alarming test, even the way that the report is kind of designed. It's a perfect thing for restoration companies. I'm just looking at financial incentives for restoration. Companies love it because it's always gonna get the insurance company to approve a reclean. So if Derby's not the best test, what is the best test? Well, it's not that. It's, the thing is it's a good tool also. Okay. Okay. So if, so, and like, it's not that it's a ba and aerosols can also skew negative 'cause they're just looking at the exact moment of time. Right. So, Dr. Weitz: you know, the, so use the army test, but don't exaggerate the results. The best test Mike: of all is like the best. If we're going from best to worst, it's the, it's like a mold dog. A mold sniffing dog, you'll find exactly where the mold is. You can't beat that. But like once I had tested hundreds of homes for mold, for example. I, I didn't really need to do testing anymore [00:22:00] because you can feel it, you can feel it in your lungs immediately. You could between smell, difficulty of breathing in my lungs, I could go into a home. Most people who do indoor environmental testing, they know in the first two or three minutes just 'cause their body tells them what's going on. And then the data is just to quantify that for the homeowner or for the patient, like. Your body really knows if, but I mean, mine is more calibrated because I've tested a lot before, but I still I like the aerosol test. I also like the imi. It's a tough one. It's really, it really depends also if someone has cancer and money. Just saying like they, they have a severe health issue and a large budget. I would definitely bring in a company to do testing, but that's not the, so you kind of need to find the balance. Like anything with health, like health isn't free, so it's a little bit nuanced to, to give blanket advice is a little bit difficult. Is Dr. Weitz: there any benefit to the Petri dishes? [00:23:00] Mike: If so, when I used to do the Petri dishes, we were supposed to. Get the p like we would do the Petri dish and then instantly give it to the lab and they would culture it in the lab environment. If you kind of let it sit in your home environment pretty much always grows mold mo unless you're filtering your air. So like that, like, and that's really like, or really good ventilation, so that's why older homes often. Can be good because they're leaky or new homes are incredibly tight. So people, when I was doing air testing, almost half of the testing work that we were doing was people who just moved into a brand new home because the, it was so tight that it would have humidity issues and off gassing and VOC issues basically right away. And the problem is. Like the architect and the builder aren't typically sitting around saying, how do we make the healthiest home for people? Like, [00:24:00] you know, you buy a home. Why? Dr. Weitz: Why isn't somebody doing that? Why isn't somebody saying, we, here's a design that allows a home to breathe and this is gonna be healthier for you. So Mike: on the custom home level, they exist. So if you Google Healthy Home Builder, there's a handful per city and it's a growing trend that I believe strongly in using better materials, using better hvac, you know, mold resistant, no off-gassing low VOC, a good ERV system, which basically is a fresh air intake so your home can actually breathe better. While maintaining its energy efficiency, but if you think about it, when someone typically buys a home, they'll go get a home inspection and all that home inspection is looking for is there anything in the home that is gonna cost me money? How's the roof age? How old's the water heater? Is there cracks in the foundation? Typically, there's no prior to that process that says, is this a healthy home for my family to live in? And that's why, that's [00:25:00] where the air awareness is more important than any product anybody can create. Because once you start asking the questions, you're able to kind of navigate and advocate for yourself. But I'm really. Expecting to see a trend here where we see healthy homes and going beyond custom homes to the developer level. Unfortunately now, the, it used to be clean living and now the term wellness has really got hijacked. Wellness now means like often very edge case biohacking tools, whereas it used to mean like. Go clean water, clean air, clean diet, go for a walk after your meals, get some sunshine. Go for like, it used to be about healthy living. And then on top of that, how do we layer in our exer, our exercise, our strength training, our supplement, it's literally called supplements. It's supposed to be the extra thing to balance you out, but it's become the. Pill like people have started to lean on pills, has the primary thing [00:26:00] as opposed to a supplementary thing, and unfortunately until the homeowner and the consumer is made aware, there is no value actually put on. A healthy home, right? The consumer's not valuing it yet, so therefore neither is the builder, neither is the architect. It's, they just wanna say, how fast can we build a home? How many square feet? How cheap do we have? A two garages, you know, if people are looking for a whirlpool and things like that, they're looking for features, right? Instead of just a home that has great air, great water, really good lighting, right? I feel the movement coming in this direction it just, it takes one breath and one conversation at a time. Right. And that's what we're, that's what we're trying to do here. Dr. Weitz: So how does cooking affect air quality? And I heard you speak about some of the issues even with the range hoods. Mike: That's perfect. So we'll talk cooking and I'll talk just like I like giving people a bag of tricks, [00:27:00] free tips that they can implement immediately that doesn't require buying anything at all. So, but to cooking is a big problem because the way your home is. Built so tight. When you cook, a few things happen. And it doesn't matter if you're just, if you're cooking bacon, you could be making grass fed steak with organic oil and no seed oils and still be heavily polluting your air. So when you take high heat and protein, that creates something called polycyclic air magic aromatic hydrocarbons. And that's a cancer causing. Compound that we would test for after wildfire smoke. That was one of the most common things that we would test for. So high heat and protein gonna be a big problem. The particulate themselves, the actual PM 2.5 that gets off gassed is another issue. Then obviously a lot of people also have, gas ranges and most range hoods don't work. So if the ventilation is working good, we have no problem. Commercial kitchens [00:28:00] tend to have really good range hoods in a in a home environment. There's a few problems. Number one, they're typically too high, they're not powerful enough, and they're not vented properly. So, this is the one thing that everybody should do. Take your take a tissue. Hold it up to your range hood and put it on fan speed, one or two and make sure it's actually sucking it up and pulling it up. 50 50. It doesn't, so if it's not even pulling up a tissue, it's not even bring, it's not intaking any air. So that's the first thing. Then two, check where it's venting. So a lot of the time it's venting up into the cabinet. Just above, it's not going outside. And the whole point of ventilation is to vent outside. So you want to, you want a range hood that can hold up a tissue. You want a range hood that vents outside. And then ideally, if you can, if you're like boiling or simmering use the back burners [00:29:00] instead of the front burner, because the back burner captures a lot more particulate than the front burner. And what happens when you cook. It's not just a localized issue. For example, if you take a 3000 square foot home and you know, Jasper can detect the air in real time. So if I have a Jasper in my baby's bedroom and I'm Dr. Weitz: so, so just for everybody, Jasper is the air purifier that you developed and it also gives you some reading as to the quality of the air, correct? Mike: Yeah, so it's reading the particulates in real time. And adjusting its fan speed accordingly. So even if Jasper is in your baby's bedroom and you're cooking in the kitchen on the opposite side of the house, within a minute or two, Jasper's gonna be detecting the poor air quality in the bedroom in every room because you have an HVAC system that's designed to circulate and mix the air. So you think of the, like when you walk into someone's home who's cooking, you [00:30:00] smell it right away and you smell it because it's everywhere. And then just like the wildfire smoke we were talking about before, it gets absorbed into the couches, into the chairs, into the clothing, into the all the poorest materials. So if people have a rangehood that's not working and the weather permits regardless, like I open my windows big time when I'm cooking. Because you really just don't want to be offgassing heavily in your home. And then on top of that, I would do the same tissue test in your bathroom. So make sure your bathroom fans can also hold up a Kleenex or a paper towel or something like that. And then you should check to make sure your bathroom fans are venting outside. A lot of people's bathroom fans vent directly in the attic. And then of course they have moldy attics because they, if you have a family of four, taking four showers a day, you're dumping gallons of water into your attic. And of course you're gonna have mold for sure. And then, yeah, filtration really helps too. So the way Jasper works is it's gonna automatically [00:31:00] respond to any cooking in any particulates, so that way it's silent. You'll have your green light on, you'll see a low number, like a four or five. Which is, and we're looking at PM 2.5, and those are the particles that are small enough to enter your lungs and your bloodstream. So if we measure the air in a home with no filtration and we cook, the air quality can stay elevated for three or four days, and by that point it's been absorbed in all your materials. If you have a jas, a couple Jaspers in the home, within 20 minutes, we're back down to baseline. So it's a huge difference between filtering your air and not filtering your air. Right. Dr. Weitz: What about microplastics? Because there's been a lot of talk about microplastics and we know that they end up in our brains, but they're also in our lungs. Mike: Yeah. So there was a study done in London where they tested a hundred homes and 98% of all samples contained microplastics in them and indoor environments had up to 40 times more microplastics than [00:32:00] outside. Wow. So. And then they started to work with a lab that was doing biopsies on people's lung tissue, and almost a hundred, I think a hundred percent of all the lungs that were tested had microplastics in them. Wow. So they say that the humans that live in cities on average are breathing one credit card worth of microplastics per week. That's insane. And how does this happen? So you have things like plastic manufacturing, just general plastic breakdown when things decompose over time. They decompose often into the air. If you think about a car, you have to change your tires every few years. The rubber wears thin, like where do you think the rubber goes? All this stuff goes airborne. And then inhalation is the primary exposure route for microplastics. So it's kind of interesting that people are thinking about the microplastics in their water. But there's a very good argument to be made that you could be breathing way more plastics microplastics than you are drinking them. [00:33:00] So we did a study about two months ago. We contacted the lab and we said, Hey, can we do a microplastic study to show how Jasper, is Jasper effective for microplastics? If so, how effective? And they said, there's not an exactly a microplastics test because, they're all different sizes. So they said we can do a latex bead test where they have these microscopic latex beads that they aerosolize that are the size of some of the most common microplastics, and we removed 98% of all of them in one hour. So the good news here is your indoor, it's like a good news, bad news. Your indoor air is way worse. Then your outdoor air across the board when it comes to microplastics, mold, dust, even pollen, we get way more pollen inside our homes than outside because it gets trapped in there and it can't get out. The good news is if you filter your air, it's not a problem anymore. So you can turn like, you know, you can't heal in the place that made you sick, and you can turn this negative that's making [00:34:00] you sick into a clean air sanctuary. So instead of saying, let me go outside and get a breath of fresh air, how about let me go inside and get a breath of clean air so you can really turn this around very cost Dr. Weitz: effectively. Where are all these microplastics in our home actually coming from? Mike: So, like I said, it's the plastic manufacturer. It's out, it's mostly outdoor sources. Oh, okay. Because our indoor air comes from the outdoor air. So it's, right. It's like, it's the rubber from the tires, it's the factories. It's all that stuff. It's the plastic products in your home are slowly decaying and decomposing over time. Also a reason why you don't wanna live near a freeway. It's a good idea. I actually, when I have tested air by highways, it's always been less bad than I expected it to be, huh? When it is bad is during Russia like bumper to bumper traffic. Freeways are bad, like highly congested. Freeways are bad, but freeways that don't have a lot of traffic that are constantly flowing are much less bad. Okay, because you [00:35:00] don't have like thousands of cars in one small area constantly running their fumes. So. And there's also even debates now that plastic kettles could be released. Like, like things that heat up water in your home could also be aerosolizing like, to me, that makes sense. I can't say I've seen a test on it, but if you think about a plastic kettle with boiling water against plastic, if you can get microplastic we know that we can get microplastics in our food and in our water. In our water bottles and our Tupperware. So if you think about anything that, that has high heat and plastics and the sun is constantly breaking things down, and then when it breaks down, they go airborne. I Dr. Weitz: was just reading an article about how a lot of black plastic utensils like you use you know, in the kitchen because they're made from recycled plastic, that plastic has toxic material from computers or whatever else that gets into it. And so then that breaks [00:36:00] down. Mike: Yeah, it makes sense. Like if that, and also if that plastic is touching the high heat, right? Like when you look at that spatula over time, it's like, it's smaller. It's that edge kind of comes down a little bit. It's like where did it go? So the interesting thing was in London, 100% of homes tested and they would test the dust sample and every single dust sample had microplastics in it. 'cause dust is a collection of things. It's not just one thing. And a good way to know if you have an indoor air problem. The best way is do you have dust? If you have, does everybody have dust? No. Dr. Weitz: No. I have no dust that's just because you dust every day or you'd seen dust ever accumulate No where? Mike: Well, Dr. Weitz: think about this Mike: if you have dust on a coffee table, okay? Did the dust come emerging from the coffee table or did it come from your air? Right? So you're saying Dr. Weitz: if your air is clean, you won't have dust. Mike: Yeah, of course not. If you filter the air, if you filter the dust from the air, then it [00:37:00] doesn't land on surfaces because you capture it before it actually lands. I thought dust, Dr. Weitz: it was coming off your skin and your pets and everything else, and it just lands there. Mike: Well, think about it. It can even, it can be on the dustiest place could often be your, the door cells your doorframes and your window sills, places that are actually above your body. So it's not like it's just falling off of you on the floor. I see. The stuff that falls off you is very light, so it gets mixed into your air system very quickly. I see. So it's all about the air. It dust is. Yeah, like it, it is, dust can be pollen. It's mold, it's allergens, it's the pollution, it's the VOCs. It's a combination of all of the things. And then dust creates a really good vessel for mold spores to hit your ride around your home. Great. Dr. Weitz: What about pets? I've heard you talk about pets not being great for indoor air. Mike: Pets are also a problem. Yeah. Well, think about this, especially like everybody I know who has a dog [00:38:00] also sleeps with their dog. So if you think about it, could you ever imagine taking a blanket, going outside with it, rubbing it along? Your neighbor's glyphosate filled lawn, maybe on some other dog butts, rubbing it on some trees across the road. Then bring it inside and shake it out in your bed. It seems like a crazy idea, but that's literally most people's experience every day when you have a dog. Plus of course you have the pet dander. So yeah, you get all that stuff coming from outside. The pet dander itself. Dogs do contribute to humidity as well. And then cats have two, two issues. They also have allergens, but cat litter can also create a huge problem. If you look at what's in cat litter, it is not good at all. And so it, it's all kind of cumulative, right? Like no. One of the things that we talked about here is gonna be a make or break, but it's when you have an airtight home with no [00:39:00] ventilation, no filtration, it has cooking, it has pets, it has the allergens. That is a perfect storm for poor health. Most people nowadays, we're not ventilating our homes and we're not filtering our air. So it's just a constant accumulation over time. People and a lot of people wear their shoes inside, so that brings everything from outside as well. So the pets are definitely an issue, especially if people are allergic to pets. Dr. Weitz: Yeah, I think I heard you say that there's like 99% likelihood you're gonna have fecal matter on your shoes. Mike: 95% of all shoes tested at fecal matter on them. Wow, because like you go outside and dog shit outside, like it's not surprising. But the cool, the coolest thing is where to, you know, make it tangible and practical. The number one place to optimize for by far is your bedroom. Like if you spend one third of your life where you sleep, one third of your life [00:40:00] where you work, and kind of one third miscellaneous out and about taking care of those two thirds. Is very practical and that doesn't require, you know, it's very easy with health stuff to get super overwhelmed and you feel like it's impossible and it's this big rabbit hole, but it doesn't have to be that way. So like I, I just put sleep above everything else. And then what are the ingredients for a good night's sleep? You need a good bed. Cool clean air. So everybody, thermal comfort is like humans optimize for thermal comfort over everything else. So the cool air is really important, even if that's moldy, dusty, pollen filled air, a lot of people don't even notice that. Fun fact, we did a sleep study last year where we gave 150 people, Jaspers, who were using Ora rings to track their sleep, and the average person slept 25 minutes more per night and 18% deeper sleep. Wow, that's amazing. So when I go into a bedroom and I use my par, my [00:41:00] particle, like my commercial grade particle counter, let's say there's typically a million particles floating around of all sizes. When we put Jasper in someone's bedroom within 20, 30 minutes, it's 95% cleaner. Wow. And then it's great. So I live in Austin and Jasper's based in Austin. So whenever anyone buys a Jasper in Austin, we actually deliver it to their home and we test their air. So we go to their home, we go typically first. Jasper's gotta be in your bedroom. We do our particle counter, we turn the Jasper on, we talk for five or six minutes. By the time we, we leave their bedroom and to go into their main home, their first breath outside of their bedroom they find that it feels very heavy. Harder to breathe because it's like if you were drinking tap water your whole life growing up it was just water. You weren't paying attention to it. And then if you start drinking filtered water, all of a sudden tap water tastes very chlorinated. You can taste the tap water now. It's a big difference. That's why I said I'm more of an air snob because once you start [00:42:00] breathing clean air, it becomes very annoying and difficult. You go to, all of a sudden the sense and the heaviness is everywhere, but like. In a bedroom, good bed, good sheets, cool air, and clean air. If you sleep in air like that is the thing that you live inside of. So naturally, by cleaning up the environment, it has a profound impact on your sleep. And then when your sleep is good, sleep to me is synonymous with recovery. So. A lot of people who struggle from seasonal allergies, they go from a lot of allergy attacks to none. People who snore, we're doing a snore study in a couple months. A lot like my favorite, my, my sister here, literally like, we get this every week, but my sister, her husband's John, he's been snoring for five or six years. Once they put Jasper in their bedroom, he stopped snoring. Now they're not sleep divorced anymore. You know, John's back in the bedroom. So it's [00:43:00] really profound, honestly, the impacts that cleaning up your air in your bedroom can have on one's life. Dr. Weitz: How does Jasper work? What makes it better than other air purifiers? Mike: So the big thing is the size, like. Most air purifiers that you see are made by billion dollar companies that make thousands of products. They make everything under the sun, so it was kind of just another box for them to check in the market, to throw it on Amazon and throw it at Walmart and call it good like. Think, how crazy is it that the air people Google Air freshener more than air purifier? Everybody's got an air freshener and all an air freshener is shooting chemicals out to hijack your ability to smell so you don't smell the garbage anymore instead of just cleaning the air in Allers are toxic. Yeah, so like PE ins, it's, instead of dealing with the problem, which is dirty air, they're like, let's just throw some more chemicals in there. And that'd be a great way to solve the problem. Last week actually we just got back from our [00:44:00] first hotel trip in Miami. There's a hotel there called the Caron Hotel, and they're the first clean air hotel in the country. So they have a Jasper in every single guest suite and Oh wow. All 30 massage therapy rooms as well. Huh. So if anyone's in Miami and wants a good night's sleep, I highly recommend that place. Back to your question though, about what makes it different, so. It's really designed to be industrial, so it's like what makes a pickup truck different from a sedan? You know, they both have four wheels, doors, a roof, an engine, but one can like pull a lot of stuff. It can haul your boat, it can haul your trailer, and one's just designed to. Haul, take a few people around town. So in, in its nature, Jasper is a lot larger. So it's moving about five times the air of a traditional air purifier. Our filter is four and a half pounds. Most filters are about half a pound. So our filter's about nine to 10 times heavier 'cause we just have more filter media in there a lot. There's the hepa, there's the carbon. [00:45:00] So the filter's just much, much bigger. When you look at most air purifiers, their filter looks like a tissue. It's not much more than a piece of paper. Ours is like super heavy duty. We make it outta steel instead of plastic. Going back to microplastics, PLAs polluting plastic. Is horrible for the environment. So to buy a machine that's supposed to clean your air, that pollutes the environment, seems counterproductive to me. And then also, like the lifespan. So Jasper's designed to last about 25 years. Every component in there was designed by my restoration brain saying, how do we make like a restoration grade machine that I would use for mold removal, floods and hurricanes, but with the aesthetic and the design that people would want in their home. So when it's more powerful. That means it's more because it's bigger, it's very on, its lowest fan speed. It's virtually silent in a bedroom setting. You can turn it onto dark mode. It has no wifi, no Bluetooth, no EMF. So if you, the simplest way to think about Jasper is for [00:46:00] every one Jasper, you would need four or five small little machines, and it'd be very unpractical to put four or five little machines in each bedroom of your home. So we just consolidated it and made, it's like if there was. Big trucks and sedans, but no SUVs. We kind of have like the only SUV, and that's why we call it an air scrubber because it's really designed to be heavy duty, but also designed to be beautiful. Dr. Weitz: It's really amazing that it's designed to last 25 years. There's not too many products that are designed to last 25 years. Your car is not designed to last 25 years. Mike: Dude, I hate planned obsolescence, and I hate, and I hate planned obsolescence and I hate inflation. You'd think as we get more efficient and more productive and more technology, that prices would go down and we would build things to last longer. But I think a lot of companies, you know, big public companies like. Quarterly revenue. They wanna sell more stuff every three months. Whereas I believe that if you just make a really great product that people can basically keep for a lifetime, [00:47:00] they'll buy more of them. They'll tell their friends. So the way our lifetime warranty works is if Jasper breaks. We ship you a brand new one. You take the new one outta the box, you put the old one back in the box. We give you a prepaid shipping label that we email to you, and then we pay to send UPS to your front porch to pick it up off your doorstep because I can't tell you how many times I had like a warranty on a product. They wanted me to send photos, videos, original receipt, get an obscure shape box, go to FedEx and pay a hundred dollars to ship it back. And I just think that's bullshit. I think if Jasper breaks, that's Jasper's problem. That's Jasper's fault, and I think it. It. I think companies should really put their money where their mouth is. Like we don't even have a sales department here. Everyone here who engages with customers was a former air quality expert, you know, been in thousands of homes. It's the same people that are going to people's homes every day. So we just view, we truly view Jasper as an air education company that happened to also make the world's only air scrubber.[00:48:00] Designed for your home. But that's why 90% of what we're doing is going to functional. Like right after this, in an hour from now, I'm going to a functional medicine clinic to teach them all about air and set them up with Jaspers because they're detoxing people that are living in moldy, pollen filled environments. So they're doing great stuff, but they're completely missing the most foundational part. So 90% of our time as a company is in education. And then because we only make one. Product it, it allows us to just offer a really good quality of service. Dr. Weitz: So in order to order Jasper, is it jasper.com? Is that the website? Mike: I wish it's jasper.co. Dr. Weitz: Oh, okay. Mike: Dot co. And Jasper's spelled JSPR.co. And ibel I'm seeing my, Dr. Weitz: yeah I believe there's a discount code that if our listeners and viewers put in code WEITZ, my last name, W-E-I-T-Z, they'll get $400 off. [00:49:00] Mike: Correct. So Jasper's normally 1199 with your, with Code WEITZ, it'll be $799. And what we're gonna do is, so starting today, the day that the podcast came out. For two weeks, it'll be valid for $400 off. After that, we'll leave the code live forever, but it'll be $200 off. I just know myself as a consumer, I typically only buy things when there's an opportunity to get a good deal. So if. That's also why we don't sell on Amazon Best Buy or any of these big stores because they would take all the margin and we wouldn't be able to give big discounts. So our whole philosophy is go speak to health conscious people, educate them as much as we can in an hour or so, give them the best price possible. And so, yeah, so for the first two weeks, starting today, code WEITZ at JASPR.co is $400 off. And then after two weeks from now, it'll be $200 off forever. So, but if you feel so [00:50:00] called and you want to invest in your air, now's a good time to do it now, one. You can only get one your bedroom a hundred percent, a thousand percent, take care of your clean air and the one in your bedroom. You should really use fan speed two or fan speed three on dark mode, so you hit the light button so there'd be no ambient light. And it'll be at a higher fan speed. So it'll be a gentle white noise scrubbing your air constantly. And then if you're putting one in your living room, you put that one on smart mode. So it's silent all the time, and that's the one that will automatically adapt to any cooking and cleaning that you're doing. Dr. Weitz: So if you were gonna get two of 'em. Bedroom first. Yeah. Second would be the living room or would it be the kitchen? Mike: So typically most homes, the living room and the kitchen are very close to each other. Okay. Even though the polluting, polluting happens in the kitchen, it spreads throughout the whole home. So Jasper in your living room is gonna detect it in the kitchen like right away. Anyways, so the idea is you want to have the air [00:51:00] cleaning where you spend the most time. Right. So. That's why a, a bedroom or a home office or a living space where the whole family's hanging out in the evening, those are the places that you really want to take care of. First and foremost. Dr. Weitz: That's great. We're recording this podcast, but it's gonna get it's gonna get put up in about six weeks, so Mike: Well, for everyone's because we don't know the exact day. That's why I'm just saying today, Dr. Weitz: right. From your perspective. Mike: The podcast came out today. So yeah, I hope that resonates with someone. And also, like I said, we don't have a sales department. Everyone here is an air expert. So if you have any questions, Jasper or know Jasper about your indoor air, your environment, anything, hit us up on Instagram, send us an email. We are here to help. That's great. Thank you so much, Mike. My pleasure, man. Thanks for having me. Dr. Weitz: Thank you for making it all the way through this episode of the Rational Wellness Podcast. For those of you who enjoy listening to the Rational Wellness Podcast, I would very much appreciate it if you could go [00:52:00] to Apple Podcast or Spotify and give us a five star ratings and review. As you may know, I continue to accept a limited number of new patients per month for functional medicine. If you would like help overcoming a gut or other chronic health condition and want to prevent chronic problems and wanna promote longevity, please call my Santa Monica White Sports Chiropractic and Nutrition office at 3 1 0 3 9 5 3 1 1 1 and we can set you up for a consultation for functional medicine and I will talk to everybody next week.

After months of student loan chaos, there's clarity: If you're already borrowing, you'll probably be okay, though keep an eye out for some plan changes. But for anyone planning to borrow after July 2026, the picture gets a lot murkier. Higher payments, tighter loan limits, and longer repayment terms could reshape graduate and professional education in ways we haven't seen before. Learn why most current borrowers can breathe a little easier, what changes are coming for Parent PLUS and grad school loans, and why future students may need to rethink their strategies altogether. We also explore how schools themselves might have to adapt, and what this could mean for high-cost programs in dentistry, medicine, pharmacy, and law. Key moments: (5:19) Active students can continue borrowing until 2026 and for three more years beyond (09:20) Parent PLUS loans borrowed after July 2026 won't qualify for any affordable IDR plan  (13:27) Universities may see faculty cuts tied to falling enrollment once borrowing limits change (17:19) Borrowing limit changes likely won't be revisited until mid-2027 at the earliest (23:13) There's nothing to worry about right away — no loan rule changes take effect before July 2026 Resource mentioned:  The Price You Pay for College by Ron Lieber   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

In this episode of Journey to Launch, I'm joined once again by Travis Hornsby, founder of Student Loan Planner. Travis returns to break down the current state of student loans, including what's changed under the Biden and Trump administrations, what borrowers should expect moving forward, and how to navigate the uncertainty with smart, strategic planning. Whether you're a recent grad or have six-figure student debt, this episode will help you better understand your options and next steps. What You'll Learn in This Episode: What happened to Biden's student loan forgiveness and SAVE Plan—and why they're essentially dead How the IDR account adjustment and PSLF waiver may still benefit you What the new GOP proposals could mean for repayment plans and forgiveness timelines The difference between public vs. private student loans—and strategies for managing each Why many borrowers should consider enrolling in an Income-Driven Repayment (IDR) plan now Check out the video to this episode on YouTube here. Other Links Mentioned in episode:  Book Your Custom Student Loan Plan at Student Loan Planner, here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Travis Hornsby: Website Instagram: @StudentLoanPlanner Twitter:@StudentLoanTrav Facebook:@StudentLoanPlan Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide