Tim Ferriss (Pt 1) on Biohacking Basics and Rewiring Your Money Mindset

28:33Right. And you don't have to play that game. There might be costs to not playing that game, but you don't have to play that game. It's not a matter of life and death. And I think much of my time is spent thinking about the games I want to play and what games am I playing right now that may not be serving me, which is very closely tied to what stories am I telling myself, right? What thoughts am I taking to be true? I believes. And you can come up with a lot of interesting workarounds or alternatives once you start poking at that stuff. And for instance, if you happen to live in, I'll give some coastal examples because they're just easy.

29:21If you choose to live in say LA, what are, what's the game a lot of people are playing in LA? It's the fame game, right? If you're in New York, what's one game that a lot of people are playing in New York? It's the money game. Go to D.C. Okay. What game are people playing there? The power game. Yeah. And then there are many other, there are a million other games. You can play with yourself. Yeah. Like internal games. Yeah, there's tons of that. I would just say, like, if you had to make a parody, like a Seinfeld episode, that's too dated. But if you had to make an episode that was like a parody of your friend group, what would be the games that your friend group are playing?

30:05Because chances are you're playing the same games, right? It's like, what would a Larry David Curb Your Enthusiasm episode pick your, I'm going on the string of Larry David from Seinfeld to Larry David. We get the idea. If you're going to make a 30 minute parody of including your friend group, right? Yeah. Like, what would you make fun of? Yeah. Because chances are those same things apply to you on some level. And you can get there maybe through humor to some important truths that might be hard to tackle head on otherwise. Do you think most people are playing a game that they landed in by default?

30:42Yeah, for sure. Like not even really knowing what game they're playing or why. Sure. Or they started playing a game deliberately, like I did with entrepreneurship, with a certain set of beliefs about the game. In other words, when I make X amount of money, when I make a million dollars, I will be a millionaire officially. And that will mean I have one. And then I can make X percent per year. Also another assumption and belief based on that. And I can do all the things I want to do. But then to focus, to get to that million dollars, what happens? You ignore all of these facets of your life, potentially, or you neglect them.

31:21And then you get to a million and you realize the one thing that you've become really good at to the exclusion of other things is making money. So what do you do? Now you decide you need five million. Right. And also because if you want to feel good about yourself, you want to wake up every day and do what you know you're good at so you can win at something. It's very hard to switch gears when you've only developed that muscle. Yeah, exactly. For me, having some type of sports component has always been really important because things can take away your money very easily. Like this is fortune, meaning the fates.

31:51Yes. Chance. Yes. Can do really gnarly things to your money. And if you have all your eggs in that basket, I think it makes you fragile. So for me, if my business or my podcast or whatever isn't doing as well as I would like it to do, you can measure that a bunch of different ways. If I had a good day, like I came here from archery, right? If I had a good day doing archery and I'm taking it really seriously, it's still a good day. And that makes me more anti-fragile. It makes me more resilient. So I try to have at least a few of those kind of interests that are, not to get too fancy, but uncorrelated.

32:27This is a show about money. You can talk about uncorrelated investments. You can also talk about it with identities. And you can talk about it with interests. It's like a diversified portfolio of your identity. So you're not overly committed to one thing. And if it goes bust, you go bust. Yeah. Do you think there was any area that as you were building your money, your fame, your career that you neglected? Oh, sure. Yeah. There have been times certainly when I was neglecting self-care. Okay. Sleep, consuming too many stimulants to stay up, maybe drinking too much. It could be anything like that when you are just running on fumes, when you've pushed it too hard.

33:11Yeah. Something's got to give. Yes. And that might be time with your friends. It might be time with your significant other. It might be time with your family. It might be getting to the gym or doing some type of exercise. It might be your diet, right? Maybe you're stressed out, so instead of reaching for a glass of wine, you reach for a bag of chips. It's the same thing. Yeah, totally. Different tool, same job. So what happens to Tim Ferriss when you're not taking care of yourself? I feel like in the last decade or two, I've been quite good about catching myself before I get to Code Red. You are quite good at that.

33:49Yeah. So what happens, Tim? I mean, the first thing to suffer is typically sleep. Okay. And in a sense, I'm grateful for that because it is self-limiting. Like you just run out of steam. Yeah. If you don't sleep, if you sleep poorly for long enough, you're going to crash. And then that's the wake up call. But in the last probably 20 years, certainly, mostly, especially in the last decade, I think with certain non-negotiables, I've been pretty good at avoiding that. And I think mentally just categorizing certain things like, for instance, the meditation, you categorize that brushing your teeth or taking a shower.

34:32Like you must. You're not going to go like a week without showering if you're exercising, right? Okay, then you can't go a day without meditating. That's a good thing to put in all of our brains. How many people love brushing their teeth? I'll do it, but it's not like getting a massage. I'm not like, oh yeah, baby, Swedish massage for my gums. I'm not into it, but I do it. Why? Because you've conditioned yourself to do it. It is non-negotiable. You've told yourself it's non-negotiable. I don't know. I'm going to tell myself now that not meditating is so gross, it's like not showering. Yeah, exactly.

35:01Because you're like, how could I not find 10 minutes a day? I don't find 10 minutes a day all the time. Yeah. And I'll get in bed and be like, oh, how did I not do that? That's also one of the benefits of just saying, it doesn't matter when you do it. If you do it right before bed, great. Yeah, just get it in. I would say, and this is borrowing from somebody else, I can't remember the attribution. If you don't have 10 minutes a day to meditate, you need 10 hours. It's kind of like symptomatic of other problems. I would say, okay, fine. Like if we're in a negotiation and you're saying, I don't have 10 minutes twice a day.

35:30Fine. Okay. 30 seconds twice a day? Do you have that? Nobody really with a straight face can say no. It's like, all right, now we're just determining. It's not whether you do it or not. We're just negotiating the duration. Maybe that's it. You flip the switch to doing it, and then you build. One song? There was a point when I was running really ragged, and I just decided, okay, I'm going to listen to, I was really into it. I think he's an amazing musician, Prince. So I wanted to listen to some feel-good Prince song. I was like, all right, I have to meditate once a day to one song. That's it. and yeah that was the foot in the door you don't have to get the whole body in the door just get the foot in the door and it's like a little reward because you get to hear a song that you like sure hold on to your wallets money rehab will be right back and now for some more money rehab

36:31okay so you were like the original or one of the original biohackers and now all that stuff has gone super mainstream yeah we're all like we're listening to huberman and peter t all these guys you're friends with and and it's like we need to all be millionaires and have seven hours a day it's like i have to cold plunge but i have to also heat i need my red light i have to don't drink coffee when the morning routine is three hours long it's and the evening routine and all that so help us separate the wheat from the chaff if i'm not a millionaire if i don't have a three hour time span for my morning routine what are the must-haves so i've changed perhaps my viewpoint on a lot of this in the sense that i used to test everything imaginable i was the human guinea pig i I was way out at the edges.

37:23And I don't really do much of that anymore. In the sense that I think health very often is what we abstain from as much as it is what we do. It's a very, and look, I love the United States. I love it. But it's a very American thing, at least prototypically American thing, to think more is better. it's very much part of the ethos of the country and to look for things to do because i think americans have that protestant work ethic and if it is to be it is up to me and i must make it happen which implies doing things which also often implies adding things right which is why the supplement markets do so well in the u.s but i have started to look and i will answer your question directly and give you a couple of easy things that what you don't do is as important as what you do so for instance i maybe you're not going to see it on camera but i have a lot of people ask me about believe it or not skincare right i'm 47 and they're just like what do you do because like the photos of me from 10 years ago look the same as they do like i haven't i don't look discernibly different and i and uh i just among other things i'm like number one maybe it's genetics who knows i don't think so though like my family it's not they all look like benjamin button or something cover your sims family yeah i'm just saying it doesn't seem to be purely genetic i would say as an example right the only soap i use and this is not a paid endorsement or anything is dr bronner's unscented baby soap that's it for everything now i have the luxury of doing that because I'm bald too, but I want to avoid phthalates.

39:14I want to avoid, which often can be found through fragrances, right? They very often come together and make whatever I put on my skin as innocuous as possible. And the skin is an organ. You absorb a lot through your skin. I very rarely, this is not medical advice, but very rarely use any kind of sun protection. I just moderate my skin exposure to sun. If you have to put a bunch of chemicals on your skin to be out in the sun for long periods of time, don't be out in the sun for long periods of time. There are some exceptions, right? If I'm going to go surfing, fine. I don't want to be turned into a lobster.

39:48And you have light eyes, right? So that kind of goes with the skin. Yeah, very sensitive. Very sensitive. And so on and so forth with food. Your whole skin care routine is Dr. Bronner's and go in the sun sometimes. Yeah. I literally don't. I don't put other shit on my face or on my body. I think it is a gamble. You just don't know. Like more is more, but more is not better. And doing more, the temptation to do more. I'll give you, this is going to be a little digression, but I'll give another example. Right. So people have issues, whether it's not medical advice, again, not a doctor, don't play one on the internet.

40:25So talk to your general practitioner, but whether it's digestive issues, IBS. rheumatoid arthritis or whatever, people are looking for what to add, what pill to take, what thing to do to fix it. There is an interesting book. I don't love every aspect of it, but I believe it's called The Oldest Cure. It's a book about fasting. And how many issues seem to resolve themselves if you just fast? It's not suitable for everyone. but by the way we're evolved to handle fasting yeah how many things just go away if you stop if you give your body a chance to rest as all animals do and just take a break from food or take a break from carbohydrates and go on a ketogenic diet for instance a lot of these intractable sometimes considered untreatable psychiatric conditions respond really well to something that's now called metabolic psychiatry, which in simple terms is putting people on a ketogenic diet.

41:32And it's protein of fat. So Chris Palmer of Harvard, if people want to look into this, has spoken really well on this. I interviewed him on the podcast, but he has a book as well. And people who are on a dozen medications for borderline personality disorder, schizophrenia, go on a ketogenic diet, and literally within a week, 90 % of their symptoms go away. So for me, I think about maybe a better way to put it is subtraction as much as I think about addition, whereas previously, I think I was very addition focused, because that's how you come pre-programmed. If you are in the US in a lot of places, but you come pre-programmed to look for what to add.

42:12And I think that in a lot of cases, that's a mistake. Okay. So for these are things I think of, I'm not going to say it applies to everybody but just in terms of of health yeah your mileage may vary so number one diet and exercise it sounds so boring but the further along people get if you look at say peter tia who is very credible and knows how to read research knows how to perform research and does a great job i think on the drive his podcast and also on his website and in his membership pieces of his program of breaking down scientific studies and showing where things are hyperbole, where things are exaggerated and where things are mistranslated by the media.

42:59Very valuable. He has a series of blog posts called studying the studies, which I encourage everybody to read. But the point of saying all that is that the more he learns, the more he's like, yeah, you got to do weight training. You got to do zone two, which is getting your heart rate, certain types of cardio and probably good idea to limit some of your carbohydrate intake and that's what you should do. And for instance, I've spoken to researchers at the very, very tops of their fields who specialize in things like metformin. So metformin is a drug that like a lot of drugs, like GLP-1 agonists like Ozempic and so on.

43:41These were designed for type two diabetics in most cases or in a lot of cases. and then rich people start toying with them for weight loss or whatever it might be longevity you say it like that because it's always it gets in the hands of longevity medicine doctors and we figure out yeah so it starts with rich people who test it on themselves and then it might start with bodybuilders or people like wasting diseases right these sort of edge cases then bleed in and then they become bigger things but i was talking to this and a lot of these so i'll give an example of something that some very wealthy people do.

44:14They might use something like metformin for longevity. They don't really have their diet or exercise super dialed. They're half-assing it, but they take metformin. And when I talked to, I'm not going to mention by name, but a very famous researcher at a very well-known university, and he's like, yeah, I don't think it makes any sense for you to take metformin. And I was like, what do you mean? And he's like, you're already getting 99 % of the benefits by having your exercise and diet dialed. He said, if you have a huge deficiency in those areas, yeah, you'll see some benefits because you're using it as a correction for other deficits.

44:50But if you're already doing what you're doing, it doesn't make a whole lot of sense. That's not what I expected you to say. I expected you to say that nobody should take metformin until or unless they've got their diet and exercise dialed in. We're adding all these things when 99 % of the lifting is just doing this. but you're saying people should use it to compensate if they're not no he's not saying they should use it to compensate they do he's saying people do use it to compensate but if you're already getting exercise you don't need exercise in a pill and we know that exercise as long as you don't get injured has pretty limited side effects right we've been exercising as a species for a long time right we've been doing manual labor for a long time whereas metformin really who knows right there are lots of drugs that come out like thalidomide remember that one oops there are drugs a long time takes a long time to figure out wow that was a disaster and now people are having like three-eyed babies fantastic yeah i do think less is more and if someone were going to you don't need a thirty thousand dollar cold plunge right number one if you wanted to do something like that you can get like a hundred dollar inflatable cold plunge on Amazon.

46:05No, but in fairness, I have that. And it's super annoying. Because you have to put so much ice in it. It is annoying. Look, I've done it too. I've done it. It's annoying. But it's not expensive. It's not. And it's a good way to see if you're really good at it. Try before you buy it. Try before you buy it. Does it benefit you a lot? Are you really good at it? Also, forget about the inflatable thing. Look, go to a gas station. This is what I did for years. Way back in the day. Just buy bags of ice. Put it in your bathtub. Yeah. try it try it out for a few weeks because you see what it does for you that you're doing it for just a couple of minutes and so for all that labor and all that work that you have to do to create the cold plunge or all the money you're going to spend is that the highest return roi for yeah it depends like for me it's a very good investment because it helps with anti-inflammation without me chewing on advil all day with various sports injuries i've accumulated which comes back to the exercise because like don't overdo it oh i mean i've had 20 plus fractures so oops but secondly mood elevation oh interesting so for anti-depression for anti-anxiety cold for me is the best pill you can buy how do you figure that out do you like not do the cold and then do the cold and see a change in your mood oh yeah super on your own little experiment super obvious oh it's super obvious it's not subtle it's not subtle and cold baths used to be prescribed by doctors for melancholy back in the day.

47:32What is this? Depression. It's just an older label for it. And then that fell out of favor because it's a pain in the ass to administer, right? People would go to these sanatoriums and they'd sit in a bath with their head popping out with a cover. It looks bizarre. People didn't want to go to these places just to sit in cold baths. Sounds pretty miserable. And nonetheless, I do think there was a kernel of something valuable there. In terms of longevity and so on let's ask a clarifying question because this is important what are we really trying to accomplish what is the outcome that you want because there's also not to get too fine tuned here but there's lifespan like at what age do you die and then there's health span meaning how mobile how fast how active how cognitively sharp do you want to be for how long yes these are different things totally and different protocols they're different For instance, you could do, we know that caloric restriction works for life extension.

48:29But do you want to live a life? Unfortunately, speaking, let's just say as a male, I mean, I was going to say it might make your hair fall out. I don't have to worry about that. But hair falling out, plummeting testosterone, no libido. Is that the life you want to have? Like 70 good years where you eat well than 90 restricted states. Yeah, also, which is why I do not think, I'll give you two opposing perspectives, in a sense.

49:05Hold on to your wallets. Money Rehab will be right back. And now, for some more Money Rehab.

49:19i'll give you two opposing perspectives in the in a sense so the first is i told you i have a low cost like low burn lifestyle generally the one place where i do spend a lot of money is with very good concierge doctors all right so if you're going to make money for something i think the highest leverage use of money is probably personal trainers which i do not currently use, but I use coaches for various sports. And then it would be really good doctors who have great access for you and your family to specialists, have access to the latest research, who can move mountains to make things happen quickly, who know how to do really high in diagnostics.

50:05That's where you spend money. Okay. Most of the ingredients that a doctor who's very good in my opinion who's looking at the full spectrum of inputs peter tia wood right it's not just which problems do you have which pills can i prescribe it's the diet the exercise etc those don't need to cost a lot and exercise look you can get a gym membership for what 20 to 100 bucks a month and if you're not exercising yet you don't even need that and you don't even need that you don't even need that you get one kettlebell you can have an amazing gym my gym for many years even though I could afford to do the fancy stuff was a few kettlebells in my garage.

50:45That's it. And I was in incredible shape. I was in such better shape than I am now. And that's it, right? And the other place I would spend money is on quality food. Not everybody can, but if you can avoid pesticides to the extent possible, that's a good investment, right? Look up the dirty dozen. For instance, there's a list of vegetables called the dirty dozen and then clean 15 or something like that. I put this all in the four hour body, not trying to sell that book, but a lot of it holds up. That came out in 2010, and it highlighted a lot that has since become mainstream. Cold exposure, glucose monitors, continuous glucose monitors.

51:20I remember that that book was like a little fringe almost at the time, and now it's all the stuff we've all been doing. Yeah, it's all mainstream now, a lot of it. So if you look up these vegetables, those will basically indicate, in the case of the Dirty Dozen, the fruits and vegetables that are most typically covered with pesticides and other types of industrial chemicals. And you just avoid those or maybe choose organic for those if you're going to consume them. And then the clean 15, those that are generally going to have the lowest load of pesticides and so on. Like you do not need to be a millionaire to do that.

51:57I was doing that when I I was making 50 grand a year. Like you can pick and choose, like do what you can. It doesn't need to be perfect. Okay. Just like, it's like the meditating. Can't do an hour a day? Fine. Can you do 30 seconds a day? Great. Like maybe you have one thing you like, raspberries or blackberries. I'm making these up, but berries often get a lot of spray. Yeah. Okay. Maybe just for the berries, you pay the extra$2 for the organic. If that's an assurance that there are low pesticides. It may not be. Yeah, is it? Is it? It gets a little tricky, but I'm saying like, do what you can, right?

52:34Fair. And that's it. So I really think a lot about minimizing chemicals, heavy metals. Like I very rarely eat tuna, for instance. Any bioaccumulator, like larger animals that would accumulate. Right, because they eat the smaller fish and they have, so it has what, more mercury? More mercury and other things. Might have other heavy metals, things like arsenic. so that's easy not eating tuna is pretty easy not eating tuna yeah it's pretty pretty easy so they're little things like that or for instance in the case this is going to be out of reach for a lot of folks but if you're going to eat say red meat which i do try to get we can leave the ethics aside but just try to get the most nutrient dense clean meat you can and maybe that means you hunt once a year like I do.

53:25But seriously, maybe that means you hunt once a year. And that's a few months of meat. And then you trade with people to get other things like I do also. You do that? You trade the meat that you hunt? Yeah, I don't sell it. That's illegal. But if I have a friend who's got a moose, I got an elk, and then I have a friend who's got a million pounds of tomatoes and I can't even look at another tomato. And then I have another friend who does a salmon fishing trip once a year and I can't have another salmon sandwich. great then you can mix and match and that is something very poor people do all over the place it is hunt right so if you're like well i can't afford whole foods fine okay there are options yeah i'm not saying that you're going to love all the options but there are options so like the og biohacker is saying diet exercise eat clean skip the tuna don't make it so complicated don't Keep adding.

54:23And every once in a while, am I going to have a poke bowl with tuna? Yeah, sure. Fine. Every once in a while. Skip the tuna mostly. Yeah. Yeah. I'm just saying that it's very easy to believe. I've spent a lot of money testing all sorts of things. It's very easy to believe, especially if you're on social media where half of the influencers are trying to sell you something because they get a kickback or they get a sponsorship payment or they have some rev share, whatever it might be. you need to go to this clinic to get peptides to get stem cells to get this that or the other thing and you go to the website and you're like oh my god this is twenty thousand dollars there's a lot of bullshit out there and there are also some good things out there but we live in a capitalist society i'm a capitalist i think there's a lot to be said for market-driven solutions it's not a perfect system lots of issues too but you're dealing with social media platforms that want to make money people are attracted to those also sometimes because they want to make money so you just need to know that you're swimming in those waters so when you go online you might find various biohackers and they're almost all selling stuff what does that mean it means that to emulate them is going to be surprise surprise expensive but for instance like very hard to sell fasting like who's gonna who's gonna profit from fasting i'm getting rich off of telling people to you know stop you for a few days for giving out tips that like make you no money oh none whatsoever that's like a big thing if i wanted to make i could have made I mean, I could have made probably, and I don't think this is an exaggeration, probably$100 million from now.

56:09If I had launched a supplement company with the 4-Hour Body, I did not want people to question my credibility or my motives. So my currency is credibility. That is the story I tell myself, that it is more valuable than the cash. I think that's right. And another thing, it's pernicious out there, right? Because you've got influencers who might be trying to sell you something. And even when they're not trying to sell you something explicitly, they're benefiting from making more outrageous statements than not. Yeah. Because it's an attention economy, too. And they're getting clicks. And people are like, ooh, what?

56:45Really? Oh, my God. I need rapid mice on or I'm going to die? Ah, I have to click here and learn about it. And you never did that either. Like, you refuse to traffic in outrage or sensationalism. Yeah, I don't do that. That is where it is most expensive for me. Yeah. Because the game you're playing is to be credible, to be like a reliable source of information. Which means, for instance, I try not to do it. Sometimes it slips through because I have multiple people working on stuff. But the clickbait headlines for videos and so on, I really try not to do that. And I get severely penalized for that.

57:18I want to just clarify one thing, too. That not everyone on social media who is selling something or getting a rev share is doing that in bad faith. Right. There are, everybody's got to make a living. And also there are people who really believe in whatever they happen to be recommending. Right. Look, I think disclosure is important. Right. But like the way app with Henry Shookman, like I'm an investor. I invested super early when they basically had nothing because I had him as a podcast guest and I was like, this guy knows what he's doing. And one of my friend's lives was totally transformed, Kevin Rose by Henry.

57:54And I was like, okay, sure. But I'm disclosing it. So the disclosure are super important and there are some really fascinating things out there right so just because someone is selling something or recommending something they get a rev sheer on does not mean that you shouldn't pay attention but you should be aware that you might be asking a barber if you need a haircut totally right in which case the answer is going to be yes there are some drugs that i think are interesting but i'm not at a point where i would rapamycin okay you do you think it's interesting. I do think rapamycin is very interesting.

58:31It's an immunosuppressant. It's used in organ transplants, right? So you have to be very careful with something like this. But Peter Tia talks much more credibly about rapamycin. So I would listen to something that he's put out related to rapamycin. And I remember interviewing a number of experts on a trip to Easter Island, actually. And we talked about rapamycin. This was probably close to ten years ago. Wow. Eight to ten years ago. That was way ahead of when it entered into the kind of main thing. It was super, super early. Yeah. And that's because rapamycin was first isolated and identified on Easter Island, even though it occurs many other places.

59:12What? And the native name for Easter Island is Rapa Nui, which is why rapamycin is called rapamycin. So to come back to your question, let me lay out just like a couple of things that are critical for me i think the meditation of some type right archery i think is meditation for me as well right but i don't want to split too many hairs here weight training non-negotiable right as you get older cardio is not enough for men and women i would say i would say especially women with the risks of osteoporosis and so on and sarcopenia which is age-related muscle loss if you don't want to fall break a hip and then die a handful of years later which is very often what happens you need to have muscular strength the most reliable way to do that perhaps the only way to reliably do that in modern society is to do resistance training and if you are a woman listening to this you are not going to become super bulky and look like professional bodybuilder.

1:00:21It ain't going to happen overnight, certainly. So strength train. And at least most of the guys I know, they're attracted to strong women. Doesn't mean CrossFit Games champion, but like strong women, dancers. But women, I would say, and I don't know the exact number, but it's something that they have one-twentieth to one-tenth of the circulating testosterone of men. men have trouble putting on muscle yes a lot of men want to put on muscle and they have a hard time so don't worry about getting bulky but do focus on getting strong and the way to do that keep it simple once or twice a week very slow cadence weight training what does that mean that just means like five to ten seconds up five to ten seconds back until you have muscular failure where you can't get any further push for another five seconds you're done with that exercise hit all your major muscle groups, it should only take about a half hour, maybe less.

1:01:19Do that once or twice a week. You're done. You're done. And then there are other things like the aerobic training zone two, stuff like that. Also doesn't need to be expensive, right? Get a bicycle, run up, run up a hill. Do kettlebell swings. There are a million ways to do it. The expense is not an excuse. And by the way, if you're like, I can't afford a kettlebell, there's something called a T-bar kettlebell you can go to a plumbing store and buy materials for five to ten dollars where you can make your own adjustable weight kettlebell then you do need plates but the plates are like a dollar a pound so fine and if you want purely bodyweight stuff that is really effective gymnastic strength training gst with a guy named chris summer who's the former coach for the men's national team in the u.s no weights required and you done gymnastics i have done gymnastic strength training.

1:02:12I'm not really built for gymnastics, just too many fractures and wrist issues and stuff. But you can get in tremendous shape without weights at all. It's still resistance training. You're just using body weight and different ways to approach that. So this is just a long way of saying that you don't need to spend what a lot of these folks online pride themselves on, which is I spend$200 ,000 a year. I spend a million dollars a year on this and this. You don't need to do that. Let them do that. They might find something interesting. And give you information. Yeah, great. Hopefully for free. Yeah, fantastic.

1:02:53Money Rehab is a production of Money News Network. I'm your host, Nicole Lappin. Money Rehab's executive producer is Morgan Lavoie. Our researcher is Emily Holmes. Do you need some money rehab? And let's be honest, we all do. So email us your money questions, moneyrehab at moneynewsnetwork.com to potentially have your questions answered on the show or even have a one-on-one intervention with me and follow us on Instagram at moneynews and TikTok at moneynewsnetwork for exclusive video content. And lastly, thank you. No, seriously, thank you. Thank you for listening and for investing in yourself, which is the most important investment you can make.

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