In short
Medicine 3.0—shifting healthcare from reacting to disease to preventing it early to extend “healthspan” (quality years), using risk detection, precision/biomarker tracking, and long-horizon intervention.
Guest
Dr. Jared Szymanski, outpatient/front-edge preventative and precision medicine clinician. Background: grew up in Wisconsin; trained as a math/science teacher then entered medical school/residency; noticed hospital training treated disease but didn’t teach prevention; pursued learning what drives common outpatient problems.
Key claims
Disease trajectories start decades before diagnosis (e.g., diabetes and cardiovascular disease). “Healthy because no symptoms” can be misleading. He cites that 70% of type 2 diabetes cases are reversible and that 85% of deaths come from five conditions. VO2 max is a strong predictor of longevity; inflammation (hs-CRP) and metabolic dysfunction drive risk. Traditional fee-for-service/insurance guidelines lag evidence by ~20–25 years, limiting prevention.
Notable examples
mother/children showing diabetes trajectory years before lab diagnosis; friend with blood sugar 450 who reversed diabetes after ~125 lb weight loss; marathon runner with extreme Lp(a) who had a heart attack despite being “healthy” a week earlier.
Written by AI. May contain mistakes. Listen to the episode to check what was said.
Chapters
Tap a time to open that second in VODr. Szymanski's Journey to Preventative Medicine
0:38 to 2:53
Dr. Szymanski shares his background and realization about preventative care.
“Today, we're shifting our focus to modern healthcare, which has largely been built to react to disease once it's already obvious.”
Recognizing the Need for Early Intervention
2:53 to 4:34
Discussion on the importance of identifying health risks early to prevent disease.
“What was it that convinced you maybe the system was intervening too late?”
Understanding Medicine 3.0
4:34 to 7:54
An explanation of Medicine 3.0 and its focus on prevention rather than treatment.
“And one of my best friends from growing up.”
Advancements Enabling Medicine 3.0
7:54 to 10:23
How technology and patient awareness are pushing Medicine 3.0 forward.
“What they fear is, you know, having 10 to 15 years of life where they can't do what they want to do.”
Optimizing Healthspan vs. Lifespan
10:23 to 12:18
Discussion on the importance of healthspan and how to maintain quality of life.
“But if if you have the funds to do it, you know, you can definitely gain a lot of advantage from looking at those things.”
Chronic Disease Prevention Strategies
12:18 to 14:00
Key issues in Medicine 3.0 and the importance of catching diseases early.
“And, you know, it's also, you know, a lot of the disease processes, they're not singular events.”
Understanding Metabolic Data
14:00 to 15:06
Learn how early detection of metabolic issues can drive proactive health changes.
“tends to be the fourth leading cause of death.”
Introducing Medicine 3.0 Framework
15:06 to 18:28
Explore how body composition and VO2 max assessments guide health trajectories.
“So would you just walk us through your medicine 3.0 framework at a high level?”
Navigating Biomarkers and Trends
18:28 to 21:00
Discover the importance of focusing on long-term health trends over individual metrics.
“Yeah, if I try to summarize, it sounds like for each person, you're getting their baseline for all these very important metrics.”
Core Elements of Long-Term Health
21:00 to 23:04
Identify key lifestyle factors that significantly impact longevity and healthspan.
“because, you know, the patient, you know, uses AI or they look at their own individual stuff where, you know, we've looked at thousands and thousands of patients' data where we can tell them, hey, this is normal.”
Show all 24 chapters
Indicators of Deteriorating Health
23:04 to 24:52
Learn about crucial early signs indicating potential health declines.
“So what do you think are the most underappreciated early indicators that someone's health trajectory is quietly deteriorating?”
Biological vs. Chronological Age
24:52 to 27:14
Understand how biological age testing provides deeper insights than age alone.
“and the inflammation markers as far as the lab work goes.”
The Role of Wearables in Health Monitoring
27:14 to 28:00
Evaluate the benefits and limitations of wearables for tracking health metrics.
“So one thing that we've seen is continuous monitoring tools.”
Wearables and Health Monitoring
28:00 to 29:00
Explore the effectiveness of wearables in monitoring health and sleep.
“where I see the biggest disconnect from actual testing compared to what the wearables say.”
Guidance in Health Management
29:00 to 30:24
Understand the importance of professional guidance in health management.
“And that's, you know, they've done a lot of testing where people have worn multiple different watches, you know, different rings and exercised and they all give different caloric output and everything too.”
Exercise for Longevity
30:24 to 33:19
Learn about the counterintuitive truths about exercise and its impact on longevity.
“They're getting, you know, 10, 20 different opinions on what they should be doing.”
Nutrition Principles for Health
33:19 to 36:05
Discover effective nutrition principles for maintaining health.
“We might try to get out on the pickleball court and play as hard as we can.”
Sleep and Stress Management
36:05 to 38:29
Learn how to improve sleep quality and manage stress effectively.
“What's the most pragmatic way you've seen people make durable change in these areas?”
Interconnected Health Issues
38:29 to 40:41
Explore the interconnections between sleep, stress, and overall health.
“know, hey, when our stress hormone, that's cortisol, gets high, one that interferes with sleep.”
Boring, Durable Habits
40:41 to 41:32
Understand that consistent, simple habits lead to lasting health improvements.
“It's remarkable the parallels to successful investing here.”
Challenges in Legacy Healthcare
41:32 to 42:01
Investigate the structural challenges in the legacy healthcare system regarding prevention.
“You alluded to this a little bit earlier, but why do you feel the legacy healthcare system is potentially structurally bad at prevention.”
AI and the Future of Healthcare
42:01 to 43:54
Explore how AI is poised to revolutionize health outcomes and standard care.
“And that's because that's what insurance actually covers.”
Cost Implications of Preventive Care
43:54 to 44:24
Understand the financial benefits of preventive healthcare versus end-of-life care.
“And then long term, it's potentially less costly to take the time and prevent issues than it is to try to treat them as patients age.”
Advancements in Disease Detection
44:24 to 45:21
Learn about new AI tools that improve disease detection and management.
“um, in the ICU at the end of life, or, uh, they're in, you know, a nursing home, uh, getting care.”
Transcript
Automatic transcript. May contain errors.0:05Dr. Jared Szymanski:Welcome to the Insightful Investor Podcast, a weekly series that seeks to share industry, investment, and market insights. We define insights as concepts that are counterintuitive, widely misunderstood, or underappreciated. In other words, unique ideas that you probably won't hear elsewhere. I'm Alex Shahidi, the host of the podcast and co-CIO of Evoke Advisors, a leading investment advisory firm. Learn more about our show at insightfulinvestor.org.
0:38Dr. Jared Szymanski:Today, we're shifting our focus to modern healthcare, which has largely been built to react to disease once it's already obvious. But a growing movement, often called Medicine 3.0, which we're gonna talk about today, argues the real leverage comes much earlier, identifying risk, preserving function, and maximizing health span over decades. Our guest today is Dr. Jared Szymanski, who practices at the front edge of that shift, focusing on preventative and precision medicine designed to help patients stay well, not just get rescued when something goes wrong. Along the way, I'll occasionally draw parallels to investing, where the same long-horizon thinking often applies.
1:20Dr. Jared Szymanski:Thank you for joining us, Dr. Szymanski. Thank you. To start, would you share your background and what originally drew you early in your career toward preventative medicine? Yeah, so I grew up in Wisconsin, went to school to be a math and science teacher and wanted to continue going to school. So eventually I found my way going to medical school. I really enjoyed it. Most of our training during medical school and residency were working in the hospitals, were preventing a lot of death, treating a lot of disease, dealing with a lot of sick patients. And once I finished all of the training and started working in the outpatient setting, I quickly realized, hey, we were kind of taught how to treat and manage disease very well, but we weren't really taught how to prevent disease, which then led me to continue on a path of learning in order to really find out what drives disease.
2:23Found a lot of patients would come to me with health issues, that they can't lose weight, that they're having problems sleeping, all sorts of different things that we weren't really taught when working in the hospital. And I found out, hey, kind of the traditional medical model doesn't do a great job at teaching us on how to address all of the common health issues that we actually deal with in the outpatient setting.
2:51Dr. Jared Szymanski:So you mentioned traditional health care. What was it that convinced you maybe the system was intervening too late? Yeah, I would sometimes see, you know, mothers. I can think of one mother who had diabetes and she just had a lot of health issues. And I could see, you know, in her children who are 10 and 12 years old that the disease process had already started. And you can see the trajectory 20, 30 years beforehand. A lot of times in medicine, what we would look at is a specific lab value for diabetes. Somebody can be 0.1 value under the official diagnosis for diabetes for a couple of years. And all of a sudden, that lab value changes by 0.1.
3:41And now all of a sudden, hey, they're a diabetic where when we actually looked at, you know, metabolic health data, they've been essentially a diabetic for years before that lab value hit. It wasn't like she woke up one day and became diabetic. That disease process took 20 to 30 years to really develop.
4:02Dr. Jared Szymanski:Just drawing a quick parallel to investing. It's like, you know, you don't want to wait for problems to surface when it may be too late to act. versus managing risk early. And what you just described is if there's a way to see that before it hits the radar, that would be helpful because there may be things you can do earlier in the process. Correct. Yeah. And even I was never taught, hey, you know, 70 % of cases of type 2 diabetes are reversible. And I read different books on it, studied a lot on it. And one of my best friends from growing up. He called me. His blood sugar was 450. He had type 2 diabetes.
4:43I hadn't seen him for a couple of years. And when I had seen him recently, he was up to 350 pounds. And I worked with him over the course of a year. He lost about 125 pounds. And he was able to reverse is diabetes, which was pretty incredible.
5:03Dr. Jared Szymanski:So for listeners who may not be familiar with the term, what is medicine 3.0 in plain English and what problem is it trying to solve? Yeah. So, you know, with medicine, we've kind of gone through evolution. You know, initial medicine 1.0 was basically going off of theories, what might work. That's like leeches, pretty barbaric surgeries. Then with the advent of antibiotics and medications, that really became medicine 2.0, where we got really good at treating disease. Now medicine 3.0 is much more looking at what diseases do we need to prevent in this person? What we found is 85 % of people really die from the same five medical conditions.
5:51And so how do we proactively either prevent those conditions or, you know, in the case of cancer, how do we detect that condition as early as possible in order to have the best health outcome?
6:05Dr. Jared Szymanski:Is there anything that changed either scientifically, culturally, or economically that has made medicine 3.0 feasible now? Just with the advances in technology, that's really helped. We've got a lot more lab values and lab metrics. There's a couple of companies, Boston Heart and Cleveland Heart, that really allow us to really look at all of the biomarkers of how insulin resistance happens, how cardiovascular disease happens, so we can actually detect in the blood what disease process is happening and what is the mechanism behind that disease so we know how to correct it. Also, just with different wearables, we can now track and monitor how somebody's blood glucose responds in real time.
6:55So we'll start to see blood sugar spikes, insulin level spike years before the metabolic disease actually happens.
7:06Dr. Jared Szymanski:So obviously, there's a science and technology side. Is there anything else that has, I guess, coincided with that development to push Medicine 3.0 into the forefront now? We had a lot of patients kind of suffering from disease. And I think it really has come to light or started to come to light that medicine is advancing that, you know, people don't want to be sick. They're really wanting to stay healthy over the long term. People are wanting to, you know, delay their health decline as long as possible. They've watched generations before them kind of become sick. And, you know, that's what people want to prevent is that, you know, they don't fear dying.
7:54What they fear is, you know, having 10 to 15 years of life where they can't do what they want to do.
8:01Dr. Jared Szymanski:Because many of them have probably seen others go through the same thing. Correct. Yeah. There's another mindset that I've noticed is many people think they're healthy because nothing is quote unquote wrong. Why do you think that mindset may be dangerous? It's kind of like anything, you know, the heart attack, that process, it's not a specific event. It's, you know, a disease trajectory. And so the disease, we think, oh, that person had a heart attack. It wasn't a singular event where it happened that day. You know, it actually happened, you know, 20, 30 years beforehand is when the disease process started.
8:44You know, we were seeing on autopsies, even in teenage years, we're seeing cardiovascular disease starting in kids. You know, looking at all of the major risk factors, I've had patients come to me and they've said, I had a physical and I was told I was the healthiest patient. And, you know, a week later, I had a massive heart attack. And there's a certain type of genetic cholesterol called LPA cholesterol. And I can think back to a patient I saw a couple of years ago. He was 65, marathon runner, had that exact case. He had a physical told he was the healthiest patient a week before he had a major heart attack.
9:25And when I checked his LPA cholesterol level, it was off the charts. And it's like, this is why you had a heart attack at 65, despite being somebody who was super healthy, otherwise with no symptoms.
9:40Dr. Jared Szymanski:And I think about that on the investing side. You know, I'm always looking at the world through the eyes of an investor. It's like you have a portfolio and it has all these underlying risks. And until you hit the milestone where the risk shows itself, you feel like you're insulated from that risk, but you really need to understand deeper and look at all the data. Correct. And that's kind of, you know, our traditional fee-for-service healthcare model has gone based off of population data. It's, hey, how do we make healthcare affordable, screen for a lot of disease, prevent a lot of disease, you know, for 95 % of people?
10:19How do we manage that spending versus benefit risk. And what we're finding is a lot of people who, you know, have the funds to invest in their health, they found, hey, doing a full body MRI, it may not be cost effective to do on everybody in America, but, you know, six to nine percent of people find significant findings on a full body MRI. And if you have the funds to invest in that, you might be one of that six to nine percent and it's going to be super beneficial for you versus when we look at, hey, if we just scan everybody in the country, we're going to spend a lot of money and the benefit might not be there.
11:04But if if you have the funds to do it, you know, you can definitely gain a lot of advantage from looking at those things.
11:13Dr. Jared Szymanski:You touched on this notion a little bit earlier, but we're hearing more emphasis on health span versus lifespan. What are we actually trying to optimize for? Yeah. So with health span, it's not specifically how long that you're going to live. That's where medicine 2.0, we've been able to manage disease and allow people to live really long, kind of chronically ill. health span is really, hey, how do we keep people healthy for as long as possible? How do we make that last decade of life enjoyable for patients where they can still get out and hike, play tennis, do whatever they enjoy? So that way they have increasing the number of quality years, not specifically existing in a nursing home for the last 10 to 15 years.
12:05Dr. Jared Szymanski:So I suppose with that goal as what you're trying to optimize for, it's really important to catch things early so that you can kind of extend the good years as long as possible, right? Correct. And, you know, it's also, you know, a lot of the disease processes, they're not singular events. you know, we think of diabetes, hey, that's an endocrinology problem. You know, we don't think of it as a cardiovascular disease problem, where, you know, most people from who have diabetes, they die from a heart attack or stroke. And so, you know, a lot of times we're thinking of all of these disease processes as separate diseases where they actually are tied together in their mechanism of how the disease actually causes morbidity.
12:57Dr. Jared Szymanski:What do you think is the most useful mental model for thinking about chronic disease early when there's potentially more options and long before perhaps any symptoms appear? As far as the mental model goes, I think things are really focusing on managing what you can control, you know, a lot of healthspan is going to come from managing diet, exercise, really managing sleep, stress management. When we're looking at labs, you know, 88 % of Americans really have metabolic inflexibility or metabolic dysfunction. And so when we're looking at long-term disease prevention, I think it's focusing on what we can actually control there.
13:49Dr. Jared Szymanski:In your view, what are the big four issues Medicine 3.0 aims to delay or prevent? So the big issues are cardiovascular disease, that's our number one killer, and then cancer, neurodegenerative diseases, dementia, Parkinson's disease, and then diabetes tends to be the fourth leading cause of death. And do you feel like by catching those early or seeing the markers early, you can make a big difference in the potential outcome? Definitely. And that was part of what I found to be very beneficial is when we're actually digging deep into those conditions. You know, somebody's blood sugar levels might be normal, but when they see, hey, their insulin levels are high and their insulin resistance panel is abnormal, they actually have a drive in order to fix something, where before they were always told, oh, my labs are normal.
14:45When we can actually dive deeper into metabolic data, into the inflammatory markers with our lab work and some of the wearable technology, then patients can actually see what's wrong and actually be motivated to fix the underlying disease process.
15:06Dr. Jared Szymanski:So would you just walk us through your medicine 3.0 framework at a high level? Yeah. So typically when we meet with patients, we want to take a look at their body composition. One of the most important things over the long term is your muscle mass. So we do body composition testing that tells us overall muscle mass. And then it also takes a look at body fat mass and specifically visceral fat. Visceral fat is the fat that's around our organs that really drives a lot of disease. And then we're taking a look at what's called your VO2 max. VO2 max, it's where you wear usually a blue mask and you get on an exercise bike or treadmill and you start off at a very low pace and minute by minute we work you up until your maximum output.
15:59That's actually the best predictor of your overall health and how long that you're going to live. It tells us essentially how efficiently your body uses oxygen. And then we can use the data from that testing in order to help patients increase their VO2 max. When we're using that data, we can look when somebody's 30 or 40 years old, if they're on the normal trajectory of decline, that young, we can tell who's going to need to live in a nursing home versus who will be able to live independently as they age. It also gives us enough time to make changes and to alter that trajectory. Then what we're typically taking a look at is all of the advanced biometrics, how somebody's blood glucose responds in real time.
16:47If they're metabolically healthy, their blood sugar typically range from, you know, the 70 to 120 range throughout the day. We'll have patients where They put on a blood glucose monitor and they're spiking to 200, 220, 240. They really didn't have any symptoms, but that really shows us that metabolic inflexibility. And then we're really looking at all of the inflammatory markers in relation to cardiovascular disease, the size of the cholesterol, and then all of the different ways that cardiovascular disease occurs through lab work. And then what precision medicine is, is actually taking a look at your genetics.
17:36So we run genetic panels on our patients at our clinic, where we can actually see what areas do you actually have issues with? Are you most likely to develop cardiovascular disease? Are you most likely to be at risk for diabetes, neurodegenerative conditions? So that way, 20, 30, 40 years before the disease happens, we can actually look and predict which of those areas should we actually be putting our focus on for each individual patient. So it's not specifically a one size fits all. Hey, everybody should do the exact same things. it really allows us to see, hey, for each individual patient, you know, if they don't want to spend money looking at all the prevention strategies, where are they going to get the best bang for their buck?
18:28Dr. Jared Szymanski:Yeah, if I try to summarize, it sounds like for each person, you're getting their baseline for all these very important metrics. And some of those baselines can be established with just a simple test and others, it's a simple tests in a point of time, and others might be over various cycles during periods of stress and so on. And then you can project the trajectory of those metrics. And the ones that are problematic, you can potentially do something about rather than waiting until the signs show later. Correct. Yeah. So in a world of endless biomarkers, how do you distinguish signal from noise?
19:07Dr. Jared Szymanski:And I think about this on the investing side too, because there's a lot of noise in markets. But there's really only just a few important factors. How do you think about that? Yeah. So the important thing is to not obsess over each individual value. What we're really doing is we want to see trends over time. So as somebody's, you know, if they're watching their glucose, you know, on an app, we get some people that will obsess and look at it, you know. 30 times an hour, right. And they catastrophize over it or patients when they're looking at their sleep data, they're like, well, I know I sleep poorly and this just makes me more anxious.
19:52What we really want to do is focus on, hey, looking at the trends over time rather than, hey, how do we make small adjustments in order to prevent disease? A lot of our patients were looking at disease trajectory. And so we're always telling them it's okay if something's abnormal. That's what we're working on. That's what we're working to fix here.
20:20Dr. Jared Szymanski:Yeah, in my experience, and it's similar in our industry, is there's a lot of data and people have a tendency to zoom in, look at that data and extrapolate it over the long run. Whereas the professional comes in with a zoomed out perspective and they're not focused on the day-to-day, they're focused on the longer-term trends. And what I notice is there's usually a disconnect between the patient or the client and the professional, where the patient or the client is zoomed in and the professional is zoomed out and you're trying to zoom them out to see what you see. Yeah, and that's what's helpful for us is we're able to serve as the quarterback for the patient as well, that really help manage everything because, you know, the patient, you know, uses AI or they look at their own individual stuff where, you know, we've looked at thousands and thousands of patients' data where we can tell them, hey, this is normal.
21:19We see this all the time. You don't have to worry about this. You know, we're doing this in order to be proactive. And so you're not at a major risk right now. But what we're doing is we're trying to help you prevent it so it doesn't become a problem down the line.
21:34Dr. Jared Szymanski:So where does personalization genuinely change outcomes? And where is it mostly marketing? The biggest bang for your buck when it comes to your long-term health, it's going to be your diet, your exercise, your sleep, your stress management, those type of things. I think the The personalization comes down to, you know, looking at your specific genetics. But there's a lot of extra hype that's out there where there's a lot of people trying to sell a lot of things. And those things might get you that last 2 % of your health span where, you know, 98 % of it's going to come down to, hey, what's your muscle mass?
22:24Uh, what's your body fat percentage? Uh, how is your sleep? How is your recovery? How is your stress management? How is your metabolic flexibility? Um, and so, you know, really focusing on those truly important features, um, is what's really going to get people the most bang for their buck. Um, there's, you know, if somebody's doing something and then they're telling you, and here I've got this fix that I'm also selling you based off of the test I've done, I'd be more leery about that than really focusing on those kind of core elements of long-term health.
23:04Dr. Jared Szymanski:So what do you think are the most underappreciated early indicators that someone's health trajectory is quietly deteriorating? The big thing that we found, You know, when we take a look at cardiovascular disease, for example, we've got a lot of people who have high cholesterol their whole life and they never develop cardiovascular disease. We have people who have good cholesterol and they develop cardiovascular disease despite that. And when we really look at the inflammation markers and the inflammation markers in our body, I think that's where we really see a lot of disease and disease trajectory come from.
23:48So taking a look at biomarkers like somebody's high sensitivity CRP level, it's a nonspecific marker of your body's total inflammation. I think that that's really important marker to check and to monitor over time. We definitely see people even just feel a lot better when that level goes from being in the high range to being in kind of the optimal zone. And then I think the other huge driver disease in America is metabolic dysfunction. So taking a look at your fasting insulin levels, your insulin resistance panel, your C-peptide levels, just because 50 % of Americans have non-alcoholic or metabolic fatty liver disease these days.
24:40So that's one out of two Americans that's really driving a lot of disease. So I think those are kind of the big things to take a look at are the metabolic testing and the inflammation markers as far as the lab work goes. And then when it comes to best overall testing, that VO2 max test really is our best overall predictor of health. It also helps us develop a good exercise routine for our patients. You hear about zone two exercise. So that's the type of exercise that you should be doing along with some HIIT training. But with the VO2 max testing, we can tell when somebody's body's burning fat most efficiently, when they're burning carbohydrates, when they're building up lactic acid and their muscles start to fatigue.
25:31So using all of that data and information is super important.
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25:35Dr. Jared Szymanski:And are most of these one-time tests? Are they annual tests? Are they quarterly tests? What's the general cadence? When somebody's younger, a lot of times we'll get a baseline and we'll probably check every six months as somebody starts to get 40s, 50s, 60s. We'll usually run those three or four times a year. It just depends on the patient's baseline. If somebody's really off skew, then we might be checking things monthly. How do you think about biological age versus chronological age? There's a number of different tests that are out there. The Horvath clock is probably the best biologic age testing, but all of those still aren't perfect yet.
26:25I've had some really odd numbers come back when I've tried to use those with patients. And so don't use the actual blood tests so much as really combining all of the biometrics together. I think the blood tests alone doesn't doesn't give us a true picture of somebody's biologic age. But when we add in their grip strength testing, their muscle mass, their visceral fat level, their VO2 max combined with the third labs, that gives us a much better idea of their kind of biologic age versus the chronologic age, which would just be how many years that you've been alive versus how your body's actually functioning and performing.
27:14Dr. Jared Szymanski:So one thing that we've seen is continuous monitoring tools. They're exploding. Wearables, sleep trackers, et cetera. What do you feel like they get right, and where do they potentially mislead people? Some of our wearables are super helpful. Again, I think the glucose monitors, I think that that's something important that everybody should do at least for a month. You know, the big thing that we'll see is patients will come in and they'll say, hey, my watch says that my VO2 max is this. A VO2 max test is strictly based off of gases and what gases that you're breathing. And so a watch or a wearable has no ability to measure gas.
27:59And so that's probably the biggest tracking marker where I see the biggest disconnect from actual testing compared to what the wearables say. And then, you know, I think there's some great products that have come out that combine wearables with other technology. I got that eight sleep bed last year and it combines all of your sleep data along with an AI mattress that adjusts your body temperature in order to help optimize your different sleep stages. and it's really been incredible. So it's a really cool device where it actually integrates your sleep data and then it uses AI technology to help improve those outcomes.
28:52Dr. Jared Szymanski:I guess for individuals, it's hard to know what they can trust and what they can't because they're not in the weeds like you are. Correct. And that's, you know, they've done a lot of testing where people have worn multiple different watches, you know, different rings and exercised and they all give different caloric output and everything too. And so, you know, technology is continuing to improve and evolve. We're getting there, but, you know, at least what gets monitored gets managed. Where do you generally draw the line between intelligent prevention and over-testing that can potentially lead to unnecessary intervention or even anxiety.
29:38That's always part of the tricky strategy when it comes to all of the new technology that's out there. I think really having somebody who's experienced with the tests, that does the tests over and over and sees how this can actually be implemented is really helpful and beneficial. I have some patients where they've come to me after trying to manage all of this stuff on their own. There's a lot of newer companies that are out there that provide some great services like Function Health, but they provide blood work, but real no oversight or guidance. And so I've had patients when they're trying to do it on their own, almost get overwhelmed.
30:23They're reading all sorts of things online. They're getting, you know, 10, 20 different opinions on what they should be doing. And they just come in almost like overwhelmed when they're trying to do it on their own. And having somebody who can guide them, who, you know, dedicates hours every day, learning and staying up to date on everything, I think is really helpful or beneficial in those aspects to really say, hey, what are we doing with this data? What are we trying to discover from this? And what are we trying to prevent?
31:00Dr. Jared Szymanski:What is the most counterintuitive truth about exercise for long-term performance and longevity? I think one thing a lot of people really think is that they really need to crush themselves every day, that they really need to hit it so hard that they're exhausted. our big things really are, you know, building some sort of aerobic base. I know when I would go to the gym when I was younger, and you go and you put the cardio machine on fat burn mode. And it's like, Oh, this is this really even doing anything? This is, this is so easy. And what we find is that actually puts us around what we call our aerobic threshold where our body actually does burn fat most efficiently.
31:49But that really helps build up our aerobic base. And then, you know, one time a week, really hitting like a HIIT training or high intensity interval training tends to be good. And then, you know, over the long term, we know one of the biggest things that tells us how long that you're going to live is your quad strength, your quadriceps, the, you know, front of your legs, right above your knees. Part of that is, those are some of the big muscles that we use to stand up out of a chair. The big things as we age are preventing falls. So balance, so core stability, leg strength, grip strength, all of those things are actually a better predictor of how long that you're going to live than your blood pressure, your cholesterol levels, all of that.
32:37So those are kind of the important things is, hey, if you fall, are you going to be able to get up off the ground? What is your balance going to look like if you trip over something? Are you going to fall or are you going to have the appropriate proprioception to kind of catch yourself after you stumble so you don't fall and break a hip? We'll see when people fall and have a major injury where they become sedentary, that's where health really starts to decline. So we're kind of training for life. You know, a lot of us, we see a lot of weekend warriors. And once we hit 50, 60, we're not going to become a professional athlete anymore.
33:21We might try to get out on the pickleball court and play as hard as we can. But the real things over the long term are how we're actually going to be able to function.
33:34Dr. Jared Szymanski:We all hear about diet and exercise. So we just talked about exercise. On the diet side, nutrition advice can often be contradictory. Through a medicine 3.0 lens, what principles do you feel actually hold up? Yeah. So when it comes to diet, I think some of the big things are if your great-grandparents wouldn't recognize the food, it's probably not a good food to eat. They say, eat real food, you know, mostly plants, not too much having good fiber, we're learning a lot about the gut microbiome and what feeds our healthy gut bacteria. And fiber is what really feeds a lot of our gut bacteria and fermented foods.
34:18And then, you know, making sure that we're getting adequate protein intake as well, good high quality protein. When we look at the RDA recommendations, those are how do we not become deficient in protein intake when they say eat 0.8 grams per kilograms of body weight what we find more optimal is about you know one gram per pound of body weight tends to help build and maintain muscle mass and then when we take a look at you know adding in genetics into that, that's where we can really help kind of personalize. You hear about people losing a lot of weight when they're on a ketogenic diet. And, you know, a keto diet may be helpful or beneficial to some people.
35:07The big thing that it does is it eliminates sugar and processed foods for the most part. And so then people are reversing their insulin resistance. When we look at genetics, there's different gene mutations that some people have, typically a gene called STAT3 and another one called STAT5 that if they have gene mutations in that, they really gain weight with a lot of saturated fat intake. And a ketogenic diet tends to have a lot of saturated fat. And so we can help guide patients, hey, if you have these specific genes, this is how you should optimize your diet. But for most patients, I think if they follow high fiber diet with a lot of good quality protein and really eliminating all of those ultra processed foods that are quick and convenient, that's going to work for most people.
36:03Dr. Jared Szymanski:Sleep and stress are talked about constantly, but it seems that they're oftentimes implemented poorly. What's the most pragmatic way you've seen people make durable change in these areas? Yeah, I mean, we know people have poor sleep. They have significantly higher rates of dementia. And so that's a huge reason why we should focus on sleep. And what we find is a lot of medications that are used for sleep can actually increase risk for dementia. They can alter our different sleep patterns and everything. And so sleep is super important. What we really find is almost light exposure drives sleep. It really sets our circadian rhythm.
36:50And when we find people really thinking of sleep as a recovery tool and changing their mindset, that's when they really start to succeed. So getting up at the same time every day, seven days a week is, you know, the number one way to improve sleep. And then, you know, kind of having a good wind down routine in the evening where you're not getting a bunch of blue light exposure. that's another great way to help with sleep and then you know using some different wearables or tracking features to monitor sleep to make sure you're getting good deep sleep good REM sleep because that's that's what really matters when it comes to recovery that's when our what we call our glymphatic system it's almost like the dishwasher for our brain becomes active and kind of cleans up the brain.
37:46And so if somebody has an underlying sleep disorder, like sleep apnea, we think, oh, this causes me to snore. So my partner doesn't like it because I wake them up because I'm snoring. But what we actually see is, hey, your oxygen levels are dropping. Your deep sleep is dropping. Your REM sleep is dropping. Your testosterone is crashing. And so it's important that we treat those issues, rather not because you're bothering somebody by your snoring, but it's going to cause high blood pressure. It's going to drop your testosterone level. It's going to put you at risk for dementia and heart disease.
38:26Dr. Jared Szymanski:And then what about stress? Yeah. So stress is the other big thing that it's always a tricky thing to manage just because we know, hey, when our stress hormone, that's cortisol, gets high, one that interferes with sleep. So melatonin, which helps put us to sleep, kind of works in opposition to cortisol. Cortisol is our stress hormone. So if our stress hormones are high, one that's going to suppress our melatonin levels when we go to try to sleep. And then when our stress hormones get high, That also makes it so that our blood sugar levels start to go out of whack. We become less sensitive to insulin and it really can drive a lot of metabolic disease.
39:16And so really helping people find ways to manage their stress is key, whether it's some sort of mindfulness activity, even deep breathing or different breathing techniques can really help to lower those stress hormone levels.
39:35Dr. Jared Szymanski:It sounds like a lot of it is mindset in terms of prioritizing the importance of sleep and stress minimization so that you can take steps to try to develop better habits. Yeah. And, you know, we tend to see, hey, stress gets high, sleep drops, blood pressure rises, cardiovascular disease risk increases, diabetes risk increases, You know, all of these things, they're not separate issues. They're all kind of intertwined in the way that, you know, medicine 2.0 has kind of looked at things in the past is, hey, your sleep is bad. So let me give you a medication for that. And your blood pressure is bad.
40:18So let me give you a medication for that. And your blood sugar is getting high. So let me give you a medication for that. And so then we see people wind up on 10, 12, 15 pills, and that's what we call polypharmacy, where if we can really intervene in order to help with the sleep, the stress management, all of those things, we can really help to prevent a lot of those diseases.
40:47Dr. Jared Szymanski:It's remarkable the parallels to successful investing here. in my experience, most of the gains over time come from boring, durable habits. It's a bunch of small things that you get right. And it's not shortcuts. And it seems like it's a similar thing here. Yeah, that's definitely true. We see a lot of people, you know, we get a lot of people that ask, hey, what about this peptide? What about this peptide? You know, they're reading all sorts of things online and, you know, kind of those boring, durable habits are going to be what does it. We get some people where they haven't fixed all of those boring, durable habits, and yet they're wanting to go to what might get them that last 2 % and not focus on what's going to get them that 98%.
41:36Dr. Jared Szymanski:You alluded to this a little bit earlier, but why do you feel the legacy healthcare system is potentially structurally bad at prevention. A lot of what they call is they go based off of, you know, evidence-based medicine is kind of what they call it. And that's been really good at managing disease that really lags behind the study and the data and the research by about 20 to 25 years. And that's because that's what insurance actually covers. And so when we're looking at, you know, insurance based guidelines that really based off of the data, you know, currently from about what we knew in the year 2000.
42:17And that will continue to evolve and what we're doing with medicine, you know, 3.0. Now that's going to be the standard of care. I think AI is going to speed that up. I think if we can keep people healthy over the next five years with AI becoming interplay. We're drastically going to be able to change health outcomes here in the next few years. But I think this is what's going to be the standard of care. But there's just the way that the health care reimbursement is set up. Um, you know, when I used to run the family medicine department for a large health organization, and they cut cutting down our visit times.
43:06And I fought against that. And they're like, why? Why don't you want to cut down time so that people can see more patients when you can only spend 10 minutes with a patient? The only thing that you can do is give a pill to treat a symptom. And when I said, well, I want to know their sleep, their stress, their diet, their exercise, I got to look like, why would you want to know those things about your patient? And part of it's because I'm reading and it tells me VO2 max is the most important health metric that we have for a patient. And currently, you don't allow me to do anything to get that health metric on my patient that just feels like criminally wrong when you can't even test your patient's best health metric.
43:53Yeah.
43:54Dr. Jared Szymanski:And then long term, it's potentially less costly to take the time and prevent issues than it is to try to treat them as patients age. Correct. Yeah, we typically find that people spend like 90 % of their health care spending comes at the very end of life. And so that end of life becomes very, very costly. Um, and that's, that's when people are spending, uh, the healthcare dollars is when they're, um, in the ICU at the end of life, or, uh, they're in, you know, a nursing home, uh, getting care. That's when people are spending all of their healthcare dollars, um, versus, uh, prevention or preventing disease.
44:44Dr. Jared Szymanski:And as a society that has an aging population, that could be really important at this point. Definitely. I mean, we really have a lot of great tools now. We can even look in somebody's heart and use AI to tell how much plaque is in the heart. Do they have any plaque that's going to rupture? It's the first time that we can stage cardiovascular disease, kind of like we can stage cancer, and we can actually tell, hey, is what we're doing working? So we've got some pretty incredible tools that are out there now for detecting and monitoring and managing disease. And those are only going to continue to get better over the next few years here.
45:25Dr. Jared Szymanski:Well, Dr. Szymanski, this was extremely enlightening. I learned a lot, and I hope our listeners did as well. Thank you for joining us today. Yeah, thank you. Thanks for listening. We hope you enjoyed this episode. Please visit our website at insightfulinvestor.org to access past shows and learn more about our podcast. If you have questions, feel free to email us at info at insightfulinvestor.org. And if you enjoyed the discussion, please subscribe to this podcast to ensure you don't miss future episodes. And don't forget to forward today's conversation to others you think would enjoy listening.
46:03Dr. Jared Szymanski:Important information. This podcast is provided for informational purposes only and should not be considered legal, tax, investment, or business advice. It is not a solicitation, recommendation, or endorsement. All opinions expressed by participants are their own and do not necessarily reflect the views of the Evoque Advisors Division of MAI Capital Management, LLC, or Evoque, its affiliates, or any companies mentioned. Information shared has not been independently verified by MAI or its affiliates. MAI Capital Management LLC, or MAI, is registered with the U.S. Securities and Exchange Commission, SEC, which does not imply any particular level of skill or training.
46:41Dr. Jared Szymanski:Certain information contained herein has been obtained from third-party sources, and such information has not been independently verified. No representation, warranty, or undertaking expressed or implied is given to the accuracy or completeness of such information by any person. While such resources are believed to be reliable, Evoke does not assume any responsibility for the accuracy or completeness of such information. Evoke does not undertake any obligation to update the information contained herein as of any future date. The content is intended for a general audience and does not constitute a recommendation to buy or sell securities or adopt any investment strategy.
47:15Dr. Jared Szymanski:Any examples or scenarios discussed are illustrative only, involve risks and uncertainties, and do not guarantee future results. Non-traditional assets carry significant risks and may not be suitable for all investors. Decisions should be based on individual objectives, risk tolerance, and circumstances. Statements herein are general and may not reflect an individual's or entity's specific circumstances or applicable laws, which vary by jurisdiction. Further, speakers' views are personal and may differ from evoke and MAI recommendations and are not specific investment advice, and do not consider client objectives, risk tolerance, and diversification.
47:51Dr. Jared Szymanski:Guests may have current or past relationships with Evoke and MAI, its affiliates, or the host, including as clients, service providers, or business partners. Participation does not constitute an endorsement or testimonial. No compensation has been paid or received for guest participation unless disclosed. MAI and its affiliates may have business relationships with entities mentioned in this podcast, which could create potential conflicts of interest. These relationships may include advisory services, investment management, or other arrangements. MAI seeks to manage such conflicts consistent with its fiduciary obligations and policies.
From the publisher
We take a brief detour from our usual investment‑focused conversations to welcome Dr. Jared Szymanski, a leading physician in preventative and precision medicine. Dr. Szymanski explains how Medicine 3.0 reframes risk, extends healthspan, and helps people stay ahead of the “big four” diseases long before symptoms appear—offering insights that echo the long‑term, forward‑looking mindset central to disciplined investing.
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This podcast/webcast is provided for informational purposes only and should not be considered legal, tax, investment, or business advice. It is not a solicitation, recommendation, or endorsement. All opinions expressed by participants are their own and do not necessarily reflect the views of the Evoke Advisors Division of MAI Capital Management, LLC ("Evoke”), its affiliates, or any companies mentioned. Information shared has not been independently verified by MAI or its affiliates. MAI Capital Management, LLC (“MAI”) is registered with the U.S. Securities and Exchange Commission ("SEC"), which does not imply any particular level of skill or training.
Certain information contained herein has been obtained from third party sources and such information has not been independently verified. No representation, warranty, or undertaking, expressed or implied, is given to the accuracy or completeness of such information by any person.
While such sources are believed to be reliable, Evoke does not assume any responsibility for the accuracy or completeness of such information. Evoke does not undertake any obligation to update the information contained herein as of any future date.
The content is intended for a general audience and does not constitute a recommendation to buy or sell securities or adopt any investment strategy. Any examples or scenarios discussed are illustrative only, involve risks and uncertainties, and do not guarantee future results. Non-traditional assets carry significant risks and may not be suitable for all investors. Decisions should be based on individual objectives, risk tolerance, and circumstances.
Statements herein are general and may not reflect an individual’s or entity’s specific circumstances or applicable laws, which vary by jurisdiction. Further, speakers’ views are personal and may differ from Evoke and MAI recommendations and are not specific investment advice; and do not consider client objectives, risk tolerance, and diversification. Guests may have current or past relationships with Evoke and MAI, its affiliates, or the host, including as clients, service providers, or business partners. Participation does not constitute an endorsement or testimonial. No compensation has been paid or received for guest participation unless disclosed. MAI and its affiliates may have business relationships with entities mentioned in this podcast, which could create potential conflicts of interest. These relationships may include advisory services, investment management, or other arrangements. MAI seeks to manage such conflicts consistent with its fiduciary obligations and policies.
(As of December 22, 2025)




