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Hey, hey, welcome to the Bitcoin Matrix. I'm your host, Cedric Young Woman. This episode

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is brought to you by CrowdHealth. My family and I ditched Fiat Health Insurance for real freedom.

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No corporate gatekeepers, no endless paperwork, just a community that has your back when you need

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it most. Join us today at joincrowdhealth.com and use code matrix for your first three months

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at just $99 per month and experience freedom from health insurance.

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The Bitcoin Matrix is also powered by MicroSeed.

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Make self-custody effortless and unbreakable.

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Stamp your seed phrase so tiny it's practically invisible to the naked eye.

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Zero hassle.

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Maximum peace of mind.

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Grab your kit at microseed.io with code MATRIX for a sweet discount.

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Today, I'm sitting down with Andy Schoonover, founder and CEO of CrowdHealth, the community-powered, revolutionary alternative to insurance that's crowdfunding healthcare for thousands with zero-member bankruptcies and growing Bitcoin circularity built right in.

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We dive deep into why the health insurance industry is broken at its core, how real medical

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freedom actually works, and Andy's bold vision for a fully Bitcoin-powered healthcare system

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where your dollars never touch the fiat machine.

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This is raw truth on sovereignty, community, and reclaiming the power that was always yours.

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Strap in.

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This one's electric.

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When you support them, you keep the Bitcoin Matrix independent and growing.

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And now, let's enter the Bitcoin Matrix with my friend Andy Schoonover.

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What is real?

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How do you define real?

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You can't jump into cash.

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Cash is trash.

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What do you do? You get out.

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Andy, welcome back to the Bitcoin Matrix podcast. How are you?

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Thanks. There's no Bitcoin references in there. I'm a passionate advocate of Bitcoin, too. So, you know, just try to take down the health care system and the financial system all in all in one shot.

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Yeah, I see them as parallel verticals and they work hand in hand.

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Something I've really thought deeply about is the motto with CrowdHealth, and we'll get into it, is really taking your health care back, sovereignty of your health care and changing the incentives, I think, of the entire ecosystem.

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But that's, you know, that doesn't really break it down.

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It is definitely Bitcoin inspired. There's no doubt about that. Decentralize, put it back in the hands of the people. Don't have any centralized authority telling you what you can and can't do with your health care. I mean, I think ultimately that should it be. So there's so many analogies between what Bitcoin is doing with the fiat system and what CrowdHealth is doing, what we're going to call the fiat health insurance system, because I think in many ways it's very fiat.

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Yeah, well, it limits and it reduces your fiat expenses so you can save more money to put into Bitcoin.

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That's right.

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And so that's kind of one way I see them as working hand in hand.

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And it's sort of taking it helps you then self-fund and crowdfund.

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So we'll get into this.

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But, you know, health care seems to be one of the hottest topics right now.

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So my at Thanksgiving dinner, I found out one of my family members, their health care insurance through a government job is going about up about eight hundred dollars per month on top of what they were already paying for coinsurance with their employer, the government employer.

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And that that just kind of threw me back. And so, you know, what is going on right now with sort of this big shift right now in health care?

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Yeah, I mean, I think that people are kind of have this general sense of health care is really, really complex.

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And if you get down to kind of first principles of what's going on here, it's that we don't have any market.

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There's no market forces in health care.

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So you kind of think about the buyer of health care, which is these big health insurance companies.

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They actually want the price to go up.

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And people don't really understand that because of government regulation.

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And so the way that this works is if your premium is $1,000, the health insurance plan can only make $150, 15%.

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And so how do you get your profit to go from $150 to up 10% to $165?

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Well, your premiums have to go up.

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And so they actually want prices to go up over time.

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So that's the buyer of health care.

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The seller of health care are these big hospital systems.

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They clearly want the price to go up.

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And so, you know, basic economics tells you if the buyer and the seller of a product or service want the price to go up, guess what?

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The price is going to go up.

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And so, you know, they have the government basically saying, hey, prices can't go up too much.

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And so these prices go up 5% or 6% or 7% enough to get away with it.

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And the hospital's happy.

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The insurance company's happy.

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And there's no market forces driving these prices down.

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And so that's the problem that we have.

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So we've ultimately gotten to this place that these prices have been masked over the last 15 years by subsidies and then enhanced subsidies during COVID.

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And then these subsidies are going away and people are like, holy crap, like health care is really expensive.

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I was like, yeah, it's always been really expensive because you're just not seeing it.

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We're paying it as taxpayers. And so nobody's really seeing the real prices of this stuff.

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And so that's ultimately what we've come to, you know, at the present day, you know, January of 26 is people are, you know, the rubber's finally hitting the road here, you know, you know, people are seeing that the prices of healthcare is really, really crazy when you buy it through insurance.

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And we can talk about why when you buy it, you did buy it without insurance, it's way less expensive.

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But, you know, ultimately that's what we're trying to do is enable people to pay for it directly without having health insurance to get away, to introduce market forces into the system.

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Sure. Yeah. I mean, during that dinner, I found another person, someone who's elderly in the family there. I think Medicare was going up from 300 a month to 375. They were actually considering maybe getting rid of it because it's one of the most, their most expensive bills that they have in retirement.

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Yeah. Other than your mortgage, and a lot of times it's more than your mortgage, it's the biggest line item in your budget. I mean, I was blown away. I got a message on LinkedIn, I don't know, last week, I think it was, from this guy in San Francisco who's reaching out to us.

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And he was like, dude, I've got three kids.

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It's me, my wife, and three kids.

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We're all healthy.

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And I'm paying $6,000 a month for health insurance.

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This is the worst that I had heard.

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I mean, I saw one in Atlanta that was $5,000, but $6,000 a month, $72,000.

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And I think they had like a $10,000 deductible or something like that.

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I mean, it's like absolutely bonkers that you have to pay, you know, basically the average salary of the United States in health insurance costs.

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I mean, it's getting really crazy.

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Yeah, it's weird.

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It really perverts the system because I find that people want to go to the doctor now because they want to get an ROI on the investment that they're putting into this subscription every year.

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So it's like I'm already down bad on the cost.

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If I'm sick, I might as well go utilize this.

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And I think it kind of like they want they go to the doctor more, not because they're sick more, but they want to get a return on all that money they're spending versus like turning.

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You know, when you reduce your expenses, it makes you invest in Bitcoin.

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It feels like you're turning your health care allocation into harder money and changing the way you think about the utilization of these services, because it seems like it's more like it's sick care now.

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Absolutely. I mean, when you're not paying for something, when you're paying with somebody else's money,

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it's easy to spend a lot.

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You're paying in these premiums

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and then you're basically going to the grocery store

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with somebody else's credit card.

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And so one, you don't care about prices

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and two, you can utilize this,

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you might as well go get the wagyu steak

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if somebody else is paying for it, right?

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And so that's what we're doing with healthcare too

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is we're buying our healthcare

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with somebody else's credit card.

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And so there's no reason to even pay attention

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to the prices.

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And it's the only place I can think of,

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You know, the insurance space is the only place I can think of is where, you know, you don't care about the prices.

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And so that's clearly a problem.

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Any economics person can tell you if you don't care about the prices, then you're just going to consume more and you're going to consume more at a higher, higher price.

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And so that's the problem that we have in health care right now that we're trying to solve.

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Yeah, I was a CFO of a reality television company in New York City.

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I was a big fan of HSAs, and about 30 people through, you know, 20 employees and their dependents were on our employer-based health plan.

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And the plan originated with the partners of the company, and they got Cadillac plans when they picked their plans out.

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And you could see the high, and we had to offer every employee the same plan.

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Usage was incredibly low, so we're spending incredible gobs of money on health care that's not being utilized.

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And I just switched the company to HSA where I could literally fund every employee's plan with the savings.

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And they, you know, but it's still I meant a lot of resistance to sort of just change.

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But this is when I started thinking more deeply about taking ownership of the spend, how you spend things.

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So maybe we can get into how crowd health is different.

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Yeah, it was just really quick on that change thing.

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You know, it's one of those where, you know, oftentimes, especially when we're in a company, healthcare is owned by the HR group, you know, and HR groups are not known to take risk.

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So, you know, back in like the 80s and the early 90s, there's this thing in the tech world that's like, if you buy IBM, you can't get fired.

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And in the HR world, I think it's like, as long as you buy Blue Cross Blue Shield or Cigna or Aetna United, you can't get fired.

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And so there's just no desire to go outside of the norm and try something differently, even though you can save tens of millions of dollars.

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I actually have a buddy who owns a very large company or did own.

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He IPO'd the company. He's got tens of thousands of people in his company.

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And he's still fully insured, which means that he takes all the risks.

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The insurance company takes all the risk.

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And typically what happens with the company is once you hit about 500 employees, you start owning all of the cost yourself because it just makes economic sense.

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And this guy, no joke, could have saved about $15 million a year by doing this, but he didn't want to because he didn't want the risk of doing that.

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And so I'm like, dude, I mean, it's just one of these things where people don't want to try anything different.

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It's a lot of reasons why, you know, similarly, these corporations who are sitting on hundreds of millions of dollars of fiat aren't willing to buy Bitcoin because, you know, they're so afraid of anything different that they the status quo is just is just very, you know, is the easy path.

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And so when you're running a big software company, you know, you don't want to introduce any risk into the business.

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So Bitcoin is definitely out.

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Anything kind of alternative to health insurance is out.

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They just only want to think about it.

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And so this aversion to risk is really creating havoc.

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And I think in both the fiat system and the health care system.

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Health insurance is broken.

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I know it.

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You know it.

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So an open enrollment rolls around and all those health insurance companies start hoping you'll just resign.

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eyes closed, for the same overpriced plan with confusing fine print. It feels like they're

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betting on your inaction, but we deserve better than that. That's why I started looking for

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something different for me and my family. Something honest. That's when I found CrowdHealth.

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With CrowdHealth, it's not about profits. It's about people and community. You get a team that

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helps negotiate your bills, access to low-cost prescriptions and lab tests, and a list of doctors

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who don't treat you like a number.

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And if something major happens, you cover the first $500.

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Then the crowd steps in to help share the rest.

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It feels real.

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It feels like taking care of your health the way it should be.

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Simple, direct, and human.

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Thousands of members already say CrowdHealth saved them tens of thousands of dollars over

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traditional insurance.

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And with many subsidy programs ending and costs rising, there's never been a more important

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time to take charge of your health care.

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So this open enrollment, don't sign because you're told to.

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Sign because you choose to.

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If you're ready to join a community that looks out for you, give CrowdHealth a try.

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Join CrowdHealth to get started today for $99 for your first three months using code MATRIX at joincrowdhealth.com.

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CrowdHealth is not insurance.

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Opt out. Take your power back.

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This is how we win.

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Yeah, for sure. I think people are waking up to healthcare being fixed and just not working

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for them. And it's definitely sort of like how Bitcoin, we want to separate money from

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state. I think we want to separate healthcare from employers.

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Absolutely. I mean, this is a relic of World War II. You know, it's again, you know, the

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government doing something really stupid that they think is a great idea that ultimately you know comes back and bites them in the ass But you know post War II they put a wage freeze on So you couldn go and get really good talent and pay them more

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And so they tried to figure out, like, how else can we get good talent? Well, we'll give them

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health insurance. And so health insurance started to be a part of employment. And that's been

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codified now over the last 15 or 20 years. And so now we have health insurance as a part of our

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employment. And the sad part of that, one now, is that health insurance is skyrocketing because

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these employers aren't paying attention. And two, there was a study that came out a couple years ago

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that said somewhere between two and four million Americans would go and do something entrepreneurial

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if they didn't have to worry about health insurance. But they're so shackled to their

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companies because of health insurance that they just stay in this crappy corporate gig and not go

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out and do something entrepreneurial, which I think is totally un-American. It stifles innovation.

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And so that's, you know, the challenge that we had. And the worst thing about Obamacare, probably

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maybe one of the worst things, was this tying, this codifying of that tie between your employment

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and your employer-employee. You know, and funny story, CrowdHealth has gotten to a place now where

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the rule is that if you have over 50 employees, you have to provide your employees health insurance.

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And so we were sitting here in December of last year, so just a month ago, and we had 49 employees.

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And so if you have 50 employees at the turn of the year, you have to provide them health insurance.

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So I cut off all hiring until 2026 because I don't want to have that regulatory issue.

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And so I hired 10 more people in January that I could have hired earlier, but I didn't.

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And so it's also stifling the ability to give people jobs because these small businesses don't want to hire people to get over 50 because now you have this huge incremental cost of doing business.

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You know, in essence, what they should do is they say, look, you know, give people their salary, bump it up for what health insurance is costing you.

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Let those people do it in some kind of tax efficient way.

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And then let those people go and buy health insurance, you know, by themselves.

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You know, let them choose what's right for their family because the employer is choosing what's right for the basically the lowest common denominator of their employees.

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And so it's a really crappy system that we've gotten ourselves into kind of all in the name, like the government always says they do, all in the name of consumer protection.

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We want to protect the people. Right. And it's like that funny meme. It's like, I'm the government. I'm here to protect you or, you know, I'm here to save you or whatever.

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And so in essence, what they've done is they just created, you know, catastrophic rising

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health care costs as a result of these stupid regulations.

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Yeah, I remember about 15, 20 years ago, people would start really, you know, not maybe bragging,

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but really sort of sharing that like their company, like the job they chose was because

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how much more they spent on health care.

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The salaries were the same.

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It was a richer plan.

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And it didn't consider really whether they would need it or use it.

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It seemed to psychologically, I think, make people feel like they were eliminating risk in their lives.

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But I think what a lot of people are feeling now that they see that the system seems to be breaking rapidly is even on top of the 20, 30, 40,000 premiums already paying.

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Now there's the co-pays, the deductibles and things that don't even get claims getting denied, which I think is throwing people for, you know, they're just experiences experiencing this more and more and sharing it on social media.

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Yeah, we've seen so many viral videos, right?

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Sent over the last couple of months of people who, you know, there's this one guy who's like calling and saying, oh, you know, I want X, Y, and Z.

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I think it was an imaging or something.

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And they're like, oh, okay, you know, that'll be $500.

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And he's like, okay, great.

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Well, you know, I'm under my deductible, so I'm just going to pay it in cash.

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And she's like, hold on a second.

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You have a deductible?

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Does that mean you have insurance?

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Yeah, I have insurance, but I want to pay in cash.

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I'm sorry, sir.

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you have insurance. And so we're going to have to charge you now the full insurance rate,

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which is like $2,500. It was literally like 5x, you know, if they paid through insurance. And

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that's just the total craziness of our system right now. Yeah. So, you know, families are paying

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what, like 1000 or 2000 a month up front. How does crowd health work? It's not insurance. So,

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you know, let's kind of dispel what that what does that mean? How does it kind of what's the

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model. Yeah. I mean, I went to the Affordable Care Act this year, just because I was curious,

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you know, what, what would be, I think, I think it was like $1,500 or $1,600 or something like

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that. And then it was like a 16 or $18,000 deductible, which basically means I'm paying

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30 or $35,000 a year before the insurance company picks up a dime. And, you know, with crowd health,

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I'm paying $660 a month. So, you know, say $7,500 a year. And so I'm saving, you know,

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gobs of money by doing this. But in essence, what we've tried to do is eliminate all the

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perverse incentives of healthcare. And it's really hard to do, obviously. But, you know,

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so instead of paying a premium to your health insurance company, and then the health insurance

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company, their profit is the difference between the premiums and the claims, right? So all the

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money they get in for bills, all the money they pay out for bills, that's their profit.

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So what does that do? It incentivizes them to see the premiums increase,

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and the bills decrease like to maximize that profit.

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And so what we did is like,

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hey, let's just do a subscription fee.

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You know, you pay us $60 a month

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to be a part of the community.

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And so we want more people in the community.

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We want prices to go down so more people join us.

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And so the incentives are totally aligned.

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And then on top of that,

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we're gonna ask you to pay

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and help somebody directly in the community

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pay for their healthcare bill.

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So for me, if I was an individual,

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I'd pay $60 a month to CrowdHealth and then I would pay up to $140 and that goes directly to

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Cedric who as I just heard you're a CrowdHealth member which is awesome you know it's going

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directly to Cedric to help you pay for your health care bill you have the cash in hand to

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pay for that bill and so you're paying the the doctor or the hospital directly as opposed to

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them having to bill health insurance and as a result of paying in cash you're getting way better

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prices than health insurance companies do. We just gave you the example of the imaging one that went

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viral. But what we're finding is if you pay in cash directly, taking out all those middlemen who

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are all one piece of the action, you're going to get about a 50% better price than United Healthcare

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is paying for the exact same service. Oftentimes, it's the exact same location, same doctor,

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same MRI machine, same everything, but you're paying half the price because these doctors,

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hospitals, surgery centers, whatever, don't have to go through the craziness of, you know, billing,

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you have to you have to pay somebody for billing, you have to wait for your money, you have to fight

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with them to get paid. There was a study that came out about a year ago that said that doctors

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spent about two days a week, just fighting with health insurance plans to get paid. I mean, I

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couldn't imagine like fighting with my employer, CrowdHealth, two days a week to get paid. Well,

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I can't actually be productive the other those two days. And so we're giving that time back to

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the doctors and therefore they can charge us a lot less as a result of that. So, you know,

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ultimately what our system is set up to do is enable you to pay your provider directly as

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opposed to them having to go and bill health insurance. So that lowers the price. But the

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other cool part of that too is you no longer have an insurance plan or an employer or a government

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between you and your doctor. You can now do what is right for your health as opposed to the doctor

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having to ask permission from a health insurance company or your employer or whoever to actually

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provide you care. And so the dynamic totally changes. And I've seen it firsthand where you

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go into the doctor and he's like, hey, I'm paying you direct. You don't have to get approvals for

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any of this. Like, let's do what's right for me. And he or she is like, awesome. Like, yeah, let's

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do this. And I'm going to give you a much better rate for that, too, because I don't have to fight

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with them. So it's just an all around better system when you, as we all know, as Bitcoiners,

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when you take out all the middlemen, all the rent seekers, and pay directly as opposed to,

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you know, all the administrative and bureaucracy associated with those with that that that middle

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layer of people who are just trying to take a piece of the action. Yeah, for sure. I,

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I felt it right away, even more on the softer side of the community and the social aspect.

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So I signed up, I was all excited. I, you know, I left corporate America about a year ago,

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I made the gamble to kind of forego on Cobra, you know, to give that nice little loophole where

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you could like up to 90 days, mail it back in if you need to. But I was like, I'll save that money.

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I'm starting to like, you know, I'm like trying to figure out how to self-insure. And then you

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start thinking about maybe I want to mitigate some of this risk. But the idea of joining the

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community is what really also brought it to another level. We talked about this in the last

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conversation that when you came on the show the first time, but I experienced it firsthand. So I

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sign up and I get, you know, a series of six or seven newsletters from you kind of describing how

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it's going to go. And for the first time I found myself reading these, I kind of want to be a good

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player in the community. And, you know, there's a social score, I think, to it. So you kind of want

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to be seen as, you know, a good member in standing. So what are the rules of the road? And you kind of

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let me know right away. It'll be brief. So we kind of get through these quickly. But normally from

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UnitedHealthcare, whatever company I'm going to delete, delete, I'll figure this out later. Because

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even if I know the rules of the road, I'm going to have to argue with someone anyway down the road.

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That's how I just feel. And, you know, if I have a question or whatever, things aren't going my way.

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So I'm like, wow, these people are going to work with me. They're my team.

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So then you get the app and the app seems apropos for the modern age.

294
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I mean, there's just so much more with doctors that you want to do digitally now.

295
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So maybe we'll get into what you could do with the app.

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But then I was learning about the program where you sort of join the community and now you pay for other people's expenses when it's above 500.

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and I turned it on auto pay.

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And I thought I would get emails all day, every day.

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It was amazing to me that I didn't get a lot of emails.

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I think only one or two in the few months

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that I've been a member.

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But it made me feel more, wow,

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I almost felt like the person's paying.

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I know the situation, maybe they broke an elbow

305
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or something along these lines, and I'm helping.

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And there's almost a little bit of pride and sort of satisfaction being part of this.

307
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And it's been a wild experience.

308
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So maybe we can't.

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It's a little different.

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It's invigorating.

311
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I'm taking sovereignty of my health, but I'm not alone.

312
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Yeah.

313
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Well, we've got a community of almost 25,000 people now who, if you have something really big happen,

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you know, in essence, what we do, let's just say your bill is $10,000. We ask you to pay the first

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500 bucks of any health event. So if you get cancer, and it's 30 doctor visits and 20 imaging

316
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visits and two surgeries, that's all one health event. So you have to pay 500 bucks. Everything

317
00:25:04,822 --> 00:25:11,022
beyond that is sent to the community. So we'll send each community member, generally one request

318
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every month that says, hey, you know, Andy, and we don't say Andy, we say a guy in Texas,

319
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you know, broke his arm, are you willing to help? And then, you know, you can say yes or no manually,

320
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or you can just automate it to say yes all the time, which just sounds like you do. And like

321
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about 90% of our people just automated to say yes, so they don't have to go in there and click.

322
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And then, you know, if you say yes, then that money comes directly to Andy. So then, you know,

323
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I'll ask, well, CrowdHealth will ask 95 people for 100 bucks or something like that. And so

324
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So then Andy has that $9,500 plus my $500 that I'm kicking in.

325
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So then I can go and pay for that directly.

326
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But it's cool because you know exactly how your money is being used by somebody else.

327
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You know, it's not going to UnitedHealthcare, you know, to buy the CEO's private jet.

328
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It's going directly to Cedric or Andy or Marty or Safedine or, you know, all these people, Bitcoiners, like to help them directly.

329
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And so it's pretty cool.

330
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And, you know, look, I get these emails too because I'm obviously a member.

331
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And it's like, I feel good that I'm good to help somebody in North Carolina with cancer, you know, or somebody in Idaho with, you know, whatever, you know, a pregnancy.

332
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It feels kind of cool that I get to help somebody directly and I know exactly where my money is going.

333
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So it's a bit different than, you know, your health insurance, obviously.

334
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And yeah, we don't bombard you with emails.

335
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We just send you one, sometimes two a month, but we max it out at 140, you know, if you're an individual.

336
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If you're a family, it's 420.

337
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But this month, for example, we're only asking for 65 of that 140 or 195 of your 420 if you're a family.

338
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So we only ask for what the community needs.

339
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And so if the community is doing really well, then you benefit.

340
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And we actually have a program with Fold so that if you, you know, as a family, I'm 420.

341
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So I only got asked for 195, which means that I have, you know, 225, you know, left over this month.

342
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Now, we have a program with our Bitcoiners where that can go directly to fold to get converted into Bitcoin. And so you're actually stacking Bitcoin at the same time with all that those excess funds. And so we've got thousands of people in CrowdHealth who are doing that, you know, automatically. And so it's a pretty cool way to stack Bitcoin to one guy was like, yeah, my wife is giving me trouble for all this Bitcoin that I'm stacking. And so I'm going to do this fold program.

343
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So just like, you know, it's kind of like out of sight, out of mind.

344
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And I know I'm stacking Bitcoin, but she doesn't really know that.

345
00:27:40,322 --> 00:27:55,164
And so it like like dude I not getting into your marital issues You do whatever you want to do But we have a ton of Bitcoiners in our community And as you can imagine Bitcoiners are trying to find different ways of doing things

346
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especially when they've been told their entire life, this is the only way of doing it.

347
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And so I think we have thousands of Bitcoiners as a part of the community,

348
00:28:03,284 --> 00:28:09,804
including you and Marty and Jimmy Song and Breedlove and Natalie and Saifedean.

349
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These are all people who are a part of our community.

350
00:28:13,804 --> 00:28:15,984
That's pretty cool that you can help with.

351
00:28:16,424 --> 00:28:17,504
Marty just had a baby.

352
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The crowd helped Marty with his baby expenses,

353
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which is, I think, pretty cool as a community to help other Bitcoiners.

354
00:28:25,624 --> 00:28:27,344
Yeah, you know where your money's going.

355
00:28:28,424 --> 00:28:32,424
We have crowd health babies now, and you're like, wow, I helped with that.

356
00:28:33,464 --> 00:28:36,324
And with insurance, that's part of it.

357
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You are helping a community.

358
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That's sort of the basis of the model and you're pooling risk.

359
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And so there's, it's still the same model, but now it's direct.

360
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You, you, you kind of know where the money's going for it and you know how you're operating

361
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within the system and you know, everyone's aligned.

362
00:28:52,744 --> 00:28:57,084
Let's maybe talk about negotiating forces and what you guys have learned about that and

363
00:28:57,084 --> 00:28:58,184
what you, how you help.

364
00:28:58,204 --> 00:29:01,604
Because I think I was even on insurance and, you know, it was one of those things I woke

365
00:29:01,604 --> 00:29:04,904
up in the middle of the night, my daughter having trouble breathing and she's coughing

366
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and she was like six at the time.

367
00:29:06,664 --> 00:29:10,004
Kind of thought it was whooping cough and it would just be okay.

368
00:29:10,664 --> 00:29:11,744
But you just don't know.

369
00:29:12,284 --> 00:29:15,784
It's 2 o'clock in the morning and you're kind of trying to figure out what to do.

370
00:29:15,904 --> 00:29:17,664
And I see one emergency room is kind of busy.

371
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The other one's like empty.

372
00:29:19,304 --> 00:29:21,744
It's a brand new building out in the middle of nowhere.

373
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And like a new, going to be developed part of town later.

374
00:29:25,064 --> 00:29:26,304
They built the emergency room first.

375
00:29:26,684 --> 00:29:27,044
Standalone.

376
00:29:27,504 --> 00:29:28,224
15 minutes away.

377
00:29:28,304 --> 00:29:29,044
Zoom over there.

378
00:29:29,624 --> 00:29:31,424
You know, it's kind of like going to the dentist with the toothache.

379
00:29:31,484 --> 00:29:33,464
By the time we get there, she's pretty much okay.

380
00:29:34,184 --> 00:29:35,344
But you're there now.

381
00:29:35,344 --> 00:29:36,004
You're like, ah.

382
00:29:36,664 --> 00:29:41,384
You know, so, you know, there's I could literally park first spot.

383
00:29:41,504 --> 00:29:43,004
There's no other cars in the lot.

384
00:29:43,104 --> 00:29:43,584
Go in.

385
00:29:43,744 --> 00:29:45,724
They don't even want to see the paperwork.

386
00:29:45,804 --> 00:29:46,744
Just go right in right away.

387
00:29:46,804 --> 00:29:48,484
You'll fill the paperwork in as we're helping.

388
00:29:48,644 --> 00:29:50,604
It's very calm, very nice, very friendly.

389
00:29:51,204 --> 00:29:52,884
One doctor on call, one nurse.

390
00:29:53,364 --> 00:29:54,484
Both take a look at her.

391
00:29:54,764 --> 00:29:55,464
Yeah, it's what we go off.

392
00:29:55,504 --> 00:29:56,004
It's no big deal.

393
00:29:56,064 --> 00:29:57,684
It's already the cool air helped.

394
00:29:58,684 --> 00:30:04,104
Maybe we got a Tylenol and, you know, you get a bill for five grand and maybe insurance

395
00:30:04,104 --> 00:30:09,944
covered 600 or something very not close you know maybe it was that or maybe i still had seven grand

396
00:30:09,944 --> 00:30:14,504
to go on the deductible this was the five grand that and it's just how did it it's just absurd

397
00:30:15,384 --> 00:30:22,104
uh it's absurd and they probably you know what these hospitals do is they up code and so you

398
00:30:22,104 --> 00:30:27,384
know your your daughter came in uh with the symptoms of having trouble breathing and so they

399
00:30:27,384 --> 00:30:32,824
will probably max out that code like the most critical you know code even though she came in

400
00:30:32,824 --> 00:30:38,124
and she was doing fine. And so then you get charged the kind of the highest rate possible,

401
00:30:38,124 --> 00:30:43,004
as opposed to, you know, what actually happened, which is she took a Tylenol or whatever,

402
00:30:43,204 --> 00:30:48,764
and was and was done. And so these these hospitals get away with it, unfortunately. And it's it's

403
00:30:48,764 --> 00:30:53,924
a tragedy. I mean, it's one of those things where I think it's like 90% of the bills that we get

404
00:30:53,924 --> 00:31:01,504
are coded at the top end of ER. But we also have data that says 80% of the people who go into the

405
00:31:01,504 --> 00:31:07,304
ER don't really need to go to the ER. And so it's like, make that math work for me. Like,

406
00:31:07,344 --> 00:31:11,004
how does that work? You know, and it's these hospitals who are just, you know, bumping up

407
00:31:11,004 --> 00:31:16,564
these rates. And it's like, we can't expect you to know that. Like, there's no way for you to

408
00:31:16,564 --> 00:31:22,304
know what those rate codes are. And so they make it so opaque that you can't really fight it. And

409
00:31:22,304 --> 00:31:28,104
I actually have a funny story where I talked to a woman who was helping these health insurance

410
00:31:28,104 --> 00:31:34,784
plans, take these really complex code and translate them into what people can actually

411
00:31:34,784 --> 00:31:35,444
understand.

412
00:31:35,984 --> 00:31:40,064
And so, you know, these explanation of benefits you get in the mail, they're like gibberish.

413
00:31:40,064 --> 00:31:42,104
Like you have no idea what it is.

414
00:31:42,324 --> 00:31:45,564
And so this company was trying to help these plans making a little more readable.

415
00:31:46,384 --> 00:31:47,044
Well, they did it.

416
00:31:47,104 --> 00:31:47,704
They implemented.

417
00:31:47,864 --> 00:31:48,844
This was a big health plan.

418
00:31:49,504 --> 00:31:53,844
And these people were started calling in being like, hey, this never happened to me.

419
00:31:54,104 --> 00:31:55,904
You know, like that's not right.

420
00:31:55,904 --> 00:32:00,644
Like they were getting, you know, circumcisions for baby girls.

421
00:32:00,644 --> 00:32:04,924
And they're like, what? Like, obviously this isn't right.

422
00:32:04,984 --> 00:32:25,804
And so the insurance plan actually told the company to stop and they reversed it back to being opaque because the health insurance plan that the more information that a consumer of health care has, the more questions they have, the more it shows that these insurance plans and these hospitals are doing some crazy things.

423
00:32:25,804 --> 00:32:30,564
crazy, you know, math behind the scenes. And they didn't want that out in the open. They didn't want

424
00:32:30,564 --> 00:32:35,584
light to shine upon it. And so, you know, it's these games that are happening within our healthcare

425
00:32:35,584 --> 00:32:42,084
system to create, you know, the chaos, like I said, that we're currently in. When it comes to Bitcoin,

426
00:32:42,384 --> 00:32:48,404
the rules are simple. Run your own node, hold your own keys, and protect your seed phrase.

427
00:32:48,764 --> 00:32:55,604
That's where micro seed comes in. Unlike bulky backups, micro seed is stamped onto a tiny steel

428
00:32:55,604 --> 00:33:02,344
washer. Fireproof, waterproof, and so small you can carry it anywhere or hide it in plain sight.

429
00:33:02,904 --> 00:33:08,004
Go to microc.io and use the code matrix for a discount on your order.

430
00:33:09,664 --> 00:33:17,064
Yeah, I think, you know, it's, yeah, it's absurd. And you feel help helpless. I remember getting

431
00:33:17,064 --> 00:33:22,564
that bill. And I remember fighting with them a few times trying to just delay payment. What do

432
00:33:22,564 --> 00:33:28,224
you guys do to sort of manage and help members with costs? Yeah, well, maybe for like planned

433
00:33:28,224 --> 00:33:33,624
things and non planned things? Yeah, I mean, we take a very kind of aggressive approach on helping

434
00:33:33,624 --> 00:33:39,324
our members negotiate these bills, you know, both before, you know, these procedures happen and

435
00:33:39,324 --> 00:33:46,544
after. So for example, we had a woman in Austin, who tore her ACL. So she went to the ER. And

436
00:33:46,544 --> 00:33:50,484
they're like, Yeah, you tore your ACL, you're gonna have to get it, you're gonna have surgery.

437
00:33:50,484 --> 00:33:55,344
And so they, of course, tried to stick her to the in-hospital system orthopedic surgeon.

438
00:33:55,964 --> 00:33:59,884
And they quoted her, I think it was $24,000 to repair the ACL.

439
00:34:00,184 --> 00:34:02,024
She called us and she's like, I'm so sorry.

440
00:34:02,104 --> 00:34:03,124
I just joined CrowdHealth.

441
00:34:03,244 --> 00:34:04,044
I tore my ACL.

442
00:34:04,204 --> 00:34:06,004
I'm going to give you a $24,000 bill.

443
00:34:06,444 --> 00:34:08,684
And we said, hey, can we, you know, look around?

444
00:34:08,904 --> 00:34:14,484
And we actually have a great doctor in Austin who does a lot of the joints for the University

445
00:34:14,484 --> 00:34:15,904
of Texas Athletic Department.

446
00:34:15,904 --> 00:34:21,124
And he's like, look, you know, if you pay me at the point of care, I'll do it for $12,000.

447
00:34:21,924 --> 00:34:27,604
So the bill got cut in half just by us saying, hey, we have an alternative for you.

448
00:34:27,704 --> 00:34:29,084
It's a really awesome alternative.

449
00:34:29,224 --> 00:34:32,284
It was probably a better surgeon than the one you're going to go to.

450
00:34:32,584 --> 00:34:33,684
And it's way less.

451
00:34:33,964 --> 00:34:36,184
And so we help people navigate that.

452
00:34:36,244 --> 00:34:45,884
And actually, you can go to our app and I, you know, you should do this after this and say, hey, what does, you know, I don't know, colonoscopy or whatever cost in your area?

453
00:34:45,904 --> 00:34:50,744
area and it will pull up all the local places that you can get a colonoscopy in your area.

454
00:34:50,984 --> 00:34:55,444
It'll give you the price. We're going to start adding quality data to it. So the people who

455
00:34:55,444 --> 00:34:59,384
actually went to that person to get a colonoscopy, you'll see from other crowd members how it went,

456
00:34:59,484 --> 00:35:04,284
like, is this a great doctor or is this a crappy doctor? And so you have that data now at your

457
00:35:04,284 --> 00:35:09,244
fingertips so that you can make the right decision on that. So that's kind of a pre-negotiation.

458
00:35:09,704 --> 00:35:13,884
But if you go to the ER, like you did with your, it sounds like your daughter or whoever,

459
00:35:13,884 --> 00:35:22,324
You know, basically what we tell people is, and regardless of whether you're on a crowd health, do not pay the bill at the hospital.

460
00:35:22,584 --> 00:35:24,204
Do not get these care credits.

461
00:35:24,524 --> 00:35:28,964
You know, they'll want to say, hey, you know, your bill is $20,000, but great news.

462
00:35:29,044 --> 00:35:32,964
You can just get this care credit, which basically you're now $20,000 in debt.

463
00:35:33,624 --> 00:35:36,444
And you have to pay this, you know, financing company.

464
00:35:36,764 --> 00:35:39,104
And they're trying to stick this on patients.

465
00:35:39,284 --> 00:35:41,544
Do not do any of that in the hospital.

466
00:35:41,544 --> 00:35:57,964
What I suggest that you do is you wait for the bills. And then if you're a crowd health member, you just take a picture of that bill, you upload it to us, we have a negotiations team, including attorneys, who will then call the hospital on your behalf and negotiate that bill for you.

467
00:35:57,964 --> 00:36:06,544
And we're seeing 60, 70, 80 percent, you know, discounts on these things just by us allowing us to go and negotiate this for you.

468
00:36:06,884 --> 00:36:10,944
We might later in the year open this up to people outside of crowd health right now.

469
00:36:11,004 --> 00:36:12,804
It's just opened up to people in crowd health.

470
00:36:12,904 --> 00:36:19,724
But if you're not in crowd health, you know, you can negotiate these bills down and don't let the hospitals tell you that they that you can't.

471
00:36:19,784 --> 00:36:24,864
And so we're doing pretty aggressive negotiations on the back end to make sure you get a fair price.

472
00:36:24,864 --> 00:36:25,884
Well, that's awesome.

473
00:36:26,504 --> 00:36:27,624
I hate going to the doctor.

474
00:36:27,624 --> 00:36:33,784
I mean, when I need to, I'll go and I respect doctors and I try to vet, you know, I do my own research.

475
00:36:33,984 --> 00:36:41,544
Let's when you want to manage your care, though, and we're trying to own our care more and our outcomes and our results and just monitor it.

476
00:36:41,604 --> 00:36:47,024
So how about lab tests and wellness checks, calls and mental health?

477
00:36:47,224 --> 00:36:55,444
Yeah, I mean, lab tests are another one where, you know, I as a part of crowd health, you get $300 per year that you get to spend on a wellness visit.

478
00:36:55,444 --> 00:37:03,064
And so, you know, your wife goes to the gynecologist every year or your kids go to the pediatrician or you can use it for dental or vision.

479
00:37:03,544 --> 00:37:07,064
I use it for labs, you know, in my labs, you know, depending upon that.

480
00:37:07,564 --> 00:37:09,644
So I go and get labs. I get it twice a year.

481
00:37:09,744 --> 00:37:12,564
But, you know, CrowdHealth pays or the crowd pays for one of those.

482
00:37:12,944 --> 00:37:20,504
I'm seeing like 70 or 80 percent off of lab costs versus billing it through health insurance.

483
00:37:20,784 --> 00:37:22,464
And that's again, you're paying directly.

484
00:37:22,924 --> 00:37:27,204
We're about to actually launch a new website here probably in the next couple of weeks

485
00:37:27,204 --> 00:37:30,904
that actually gives people access to low-cost labs in their area.

486
00:37:31,164 --> 00:37:34,924
So you can go, you can type in your zip code, you can tell us what labs you want,

487
00:37:34,984 --> 00:37:38,944
and then we're going to look at all of the providers of those labs and say,

488
00:37:39,024 --> 00:37:43,764
hey, here's the best place to go and get your labs for the labs that you've asked for.

489
00:37:43,764 --> 00:37:47,064
And so it's kind of like a search engine for labs.

490
00:37:47,064 --> 00:38:00,184
And so we're finding that it's so much less expensive if you go around the insurance company as opposed to paying these labs directly.

491
00:38:00,444 --> 00:38:04,264
And it's 70%, 80%, 90% less.

492
00:38:04,744 --> 00:38:05,784
It's significant.

493
00:38:06,244 --> 00:38:07,964
We're seeing that in imaging as well.

494
00:38:08,404 --> 00:38:12,524
These imaging centers do not go to the hospital to get imaging done.

495
00:38:12,784 --> 00:38:14,304
You'll pay an egregious amount.

496
00:38:14,864 --> 00:38:16,004
There's these imaging centers.

497
00:38:16,004 --> 00:38:20,484
it's the same equipment you know it's just a lot of times it's the same people reading your

498
00:38:20,484 --> 00:38:26,424
your image and these things are 75 or 80 percent less expensive too than doing these in the hospital

499
00:38:26,424 --> 00:38:31,944
especially if you pay directly so we're going to open that up to people too so there's just

500
00:38:31,944 --> 00:38:37,764
there's lots of options to get health care much much much less expensive you know and people think

501
00:38:37,764 --> 00:38:42,004
health care is so expensive because you're paying through your insurance company and they inflate

502
00:38:42,004 --> 00:38:46,144
prices significantly because of the perverse incentives that we talked about previously.

503
00:38:46,384 --> 00:38:52,004
So, you know, we help people find those lower cost providers. And the weird thing with healthcare

504
00:38:52,004 --> 00:38:56,844
is that oftentimes the lower cost providers are actually the better providers. You know,

505
00:38:56,884 --> 00:38:59,444
if you want to go and get the best car in the world and you want to buy a Ferrari,

506
00:38:59,724 --> 00:39:04,504
a Ferrari is going to be a much higher quality than your Hyundai or whatever. In healthcare,

507
00:39:04,504 --> 00:39:09,724
it's almost the flip because a lot of these doctors who will take lower prices are independent

508
00:39:09,724 --> 00:39:16,524
doctors. They're not a part of these big hospital systems and, and they don't, therefore don't have

509
00:39:16,524 --> 00:39:21,744
hospital systems to filter them data or to funnel them data or excuse me, patients that, you know,

510
00:39:21,744 --> 00:39:25,904
they don't have these systems to funnel them patients. So they have to be really good because

511
00:39:25,904 --> 00:39:30,924
people, they have to source their own patients. And if you can source your own patients, it means

512
00:39:30,924 --> 00:39:35,864
you're really good. And so these doctors tend to be really good and way less expensive.

513
00:39:35,864 --> 00:39:40,404
And the other thing too is they're doing knee replacements or whatever all day long.

514
00:39:40,804 --> 00:39:48,484
And so would you prefer to go to a doctor that does two knee replacements a month or would you prefer to go to a doctor who does four knee replacements a day?

515
00:39:48,964 --> 00:39:54,164
And if you do four knee replacements a day, you can do it way cheaper than if you're doing four a month.

516
00:39:54,404 --> 00:40:00,924
So there's just economies of scale for some of these doctors that can do it a lot less expensive and therefore they're way better at it.

517
00:40:01,044 --> 00:40:05,524
So many reasons to get outside to exit the health insurance system.

518
00:40:05,524 --> 00:40:09,564
Yeah, the better doctors, they actually want to practice medicine and health care.

519
00:40:10,464 --> 00:40:15,044
And they don't, you know, you hear that it's like three billers per doctor.

520
00:40:15,504 --> 00:40:21,264
And, you know, so they don't want to spend two days a week coding or working with the billers and managing billers.

521
00:40:22,084 --> 00:40:31,104
Maybe with the app you're building or the website, I think you mentioned, is that for everyone, non-crowd health members as well?

522
00:40:31,244 --> 00:40:35,344
Yeah, we're going to open it up to non-crowd health members to give them access.

523
00:40:35,524 --> 00:40:38,004
Maybe you do huge favors for me there.

524
00:40:38,144 --> 00:40:41,084
Maybe you could, we could rate the labs maybe.

525
00:40:41,564 --> 00:40:45,384
Because I find some of these labs don't have the best performance of, you know, finding

526
00:40:45,384 --> 00:40:51,344
the vein or doing the draw the appropriate way or having more hiccups than other labs.

527
00:40:51,504 --> 00:40:53,004
Maybe, you know, maybe there's that aspect.

528
00:40:53,344 --> 00:40:54,544
Maybe some labs are better than others.

529
00:40:54,764 --> 00:41:00,344
And one thing I really doesn't, I think, get enough education is side effects of procedures

530
00:41:00,344 --> 00:41:01,664
doctors ask you to take.

531
00:41:01,664 --> 00:41:04,464
So they say, you know, this looks like it could be X, Y, Z.

532
00:41:04,464 --> 00:41:08,804
they could even then come back three weeks later they're like look it's definitely not xyz but we

533
00:41:08,804 --> 00:41:14,264
should still do the test and i have family from and friends who might consider taking the test and

534
00:41:14,264 --> 00:41:21,804
it's like that test has side effects you know is that and yeah 100 look i think this is all a

535
00:41:21,804 --> 00:41:28,364
product again of you know governmental intervention because in essence what the doctors have to do now

536
00:41:28,364 --> 00:41:33,144
is they if you go to a primary care doctor i think the latest i saw was like 10 minutes they

537
00:41:33,144 --> 00:41:47,086
10 minutes with you which means that they don get to talk to you about your health you know what you eating they don get to talk to you about how you exercising how you sleeping you know all these lifestyle issues And so therefore they have to address the symptoms

538
00:41:47,666 --> 00:41:52,186
And the easiest way for them to address the symptoms are medications.

539
00:41:52,866 --> 00:41:57,546
And so, it's a pharma-first type of system that we're currently a part of.

540
00:41:58,066 --> 00:42:03,266
And I think that's just, again, a product of, you know, being another fiat system.

541
00:42:03,266 --> 00:42:16,286
And, you know, what we're trying to get our members to do is like, no, no, no, go to some of these other doctors, the independent doctors, integrative, holistic, naturopathic doctors who are actually trying to get to the root cause of what's going on with you.

542
00:42:16,326 --> 00:42:18,026
So you don't have to deal with this the rest of your life.

543
00:42:18,346 --> 00:42:23,986
You know, what is a symptom now is going to chronic disease in 20 years, you know, and so let's figure it out now.

544
00:42:24,246 --> 00:42:29,026
And so given your cash pay, by the way, health insurance companies, they don't pay for any of these doctors.

545
00:42:29,026 --> 00:42:32,146
You know, they don't pay for integrative or naturopathic or holistic doctors.

546
00:42:32,146 --> 00:42:58,786
And so you're stuck into this kind of, you know, pharma first system. And, you know, that's, I think, why, you know, 80, 88% of us are metabolically unhealthy, because nobody's willing to kind of go a little bit deeper and figure out like, what is actually going on with our bodies through our lifestyle choices. So man, there's, I could go on for hours about this, but there's so much wrong with this, this healthcare system that we have. And it's most of it because of, of government intervention, unfortunately.

547
00:42:58,786 --> 00:43:14,786
Yeah, let's definitely try to separate government and employer from health care. What about just I so I don't want to go to the doctor, but if I have to go, I don't want to necessarily drive there, figure out where they are and be on their terms. What about with the app? Can I zoom in to the doctor? How does that work?

548
00:43:14,786 --> 00:43:44,766
Yeah, I mean, one of my favorite parts is as a part of CrowdHealth, you get unlimited virtual primary care and unlimited virtual urgent care. So right now, my primary care doc is through CrowdHealth via this, you know, this app. And, you know, I pay for it up front, but then you can submit it to the community to get you paid for it. And that's not subject to that $500. And so it's just easy for me, because like you, I don't want to go into a doctor's office. Like the last thing I want to do is sit in the lobby of a doctor's office with a bunch of sick people, you know, take off the doctor's office.

549
00:43:44,766 --> 00:43:49,486
off a half a day of work basically to do this. And so I just see my virtual primary care doc over,

550
00:43:49,766 --> 00:43:57,366
you know, a video call and, you know, he or she can do 90% of what they can do in the office and

551
00:43:57,366 --> 00:44:01,046
anything that they can't do in the office. If I have to go get labs or whatever, then I go and

552
00:44:01,046 --> 00:44:07,046
get some labs. I actually have a phlebotomist come to my house or my work and take my blood at my

553
00:44:07,046 --> 00:44:11,306
office or work so I don't have to leave. And it costs me an extra, I think, 65 bucks or something

554
00:44:11,306 --> 00:44:15,286
like that to do it, but it's worth it to me. So I don't have to take the time out of my day to do it.

555
00:44:15,806 --> 00:44:20,206
And so I think most of this healthcare can be done remotely and it can be done through our app.

556
00:44:20,266 --> 00:44:25,086
And it's a really cool, cool way of doing things. I mean, one specific example through the virtual

557
00:44:25,086 --> 00:44:29,706
urgent care is, you know, I got little kids and so they, they get in trouble sometimes. And

558
00:44:29,706 --> 00:44:33,886
my daughter was jumping on her bed and fell off her bed and whacked her head.

559
00:44:34,426 --> 00:44:38,846
And she started talking a little bit weird. And I was like, oh my gosh, you know, of course you

560
00:44:38,846 --> 00:44:43,186
jump to the extreme like you did with your your daughter right you jump to the extreme like oh my

561
00:44:43,186 --> 00:44:48,186
gosh something's going on with her and so i just typed up the virtual urgent care got them i think

562
00:44:48,186 --> 00:44:53,686
within 90 seconds and she was talking to my daughter and then she was telling us because

563
00:44:53,686 --> 00:44:58,286
we're trying to decide like my wife was basically out the door going to the er right and i was like

564
00:44:58,286 --> 00:45:02,486
i don't want to spend five hours in an er and get billed ten thousand dollars and all this kind of

565
00:45:02,486 --> 00:45:06,706
stuff and so the doctor on the urgent care is like look ask her these five questions and it's like

566
00:45:06,706 --> 00:45:10,226
what's your name? What's your birthday? You know, that kind of stuff. And if she can answer those

567
00:45:10,226 --> 00:45:14,926
questions, you're fine. And if she can't answer those questions, then get to an ER. And we're like,

568
00:45:15,486 --> 00:45:19,706
great. So, you know, for the next two hours, every 15 minutes, we asked her these questions,

569
00:45:19,766 --> 00:45:24,986
she could answer them. And she had like a mild concussion. You know, it wasn't a brain bleed or

570
00:45:24,986 --> 00:45:30,686
anything like that. It cost 129 bucks. I submitted that to the community and got paid, that got

571
00:45:30,686 --> 00:45:36,386
funded, as opposed to a $10,000 emergency room visit that would have taken, you know, all night

572
00:45:36,386 --> 00:45:42,146
to deal with. And so I think people just need to realize that there are alternative ways of doing

573
00:45:42,146 --> 00:45:49,966
this that are way easier, way less time consuming, and way less expensive. And so we give all these

574
00:45:49,966 --> 00:45:54,146
tools to people. In essence, what we're trying to do is like, we want to give people the tools

575
00:45:54,146 --> 00:46:00,366
to live uninsured, without insurance. And so those are the tools we provide you in our app,

576
00:46:00,386 --> 00:46:04,666
and they work, you know, really, really well. You can do that on mental health too. So if you need

577
00:46:04,666 --> 00:46:10,786
to talk to somebody about mental health, you can go on our app and talk to a therapist on our app.

578
00:46:11,726 --> 00:46:17,506
And again, unlimited number of times. So, you know, don't go to counseling, come go to use it

579
00:46:17,506 --> 00:46:22,206
through the CrowdHealth app. It's fully fundable by the community. And so we're trying to provide

580
00:46:22,206 --> 00:46:26,566
tools for these folks to kind of live without having health insurance. Yeah. And I think it's

581
00:46:26,566 --> 00:46:30,446
really key to understand. I mean, I know technically this is not health insurance,

582
00:46:30,446 --> 00:46:35,186
but it's really giving the same function of being in a group,

583
00:46:35,306 --> 00:46:37,066
in an association, and pooling risk.

584
00:46:38,066 --> 00:46:42,666
It's re-incentivizing the system or incentivizing it to actually be helpful to you

585
00:46:42,666 --> 00:46:49,146
in terms of your allies want to save you money and directionally are on the same team.

586
00:46:50,326 --> 00:46:51,886
So you're not alone.

587
00:46:53,346 --> 00:46:56,406
You're not alone with UnitedHealthcare, but you might be against them.

588
00:46:56,666 --> 00:46:59,066
What do you do when you went to the ER?

589
00:46:59,066 --> 00:47:02,786
you're probably like, man, now I got to fight with the insurance company to get this paid.

590
00:47:03,206 --> 00:47:07,066
You know, it's like for us, it's like, no, we're going to fight with you to get this paid.

591
00:47:07,166 --> 00:47:09,746
We're on your team as opposed to fighting against you.

592
00:47:10,286 --> 00:47:12,006
Plus, you guys are getting more reps in.

593
00:47:12,506 --> 00:47:20,006
You guys are learning and cataloging all that knowledge and have people who are like on the team or like every day, like, how can I help?

594
00:47:20,526 --> 00:47:24,446
It's like when I go to, I was a professional corporate accounting.

595
00:47:24,446 --> 00:47:28,446
I consulted a Fortune 500 companies and startups and all these things.

596
00:47:28,446 --> 00:47:30,146
But I had an accountant for taxes.

597
00:47:30,246 --> 00:47:30,966
I wasn't well-versed.

598
00:47:31,126 --> 00:47:35,506
And that guy was like so amped to do tax accounting.

599
00:47:35,646 --> 00:47:37,486
Like we just saved 800 bucks.

600
00:47:37,526 --> 00:47:38,746
This is the best day ever.

601
00:47:38,986 --> 00:47:40,226
We could do this all day.

602
00:47:40,286 --> 00:47:42,106
I mean, this was what he loved to do.

603
00:47:42,506 --> 00:47:49,806
And you want to be aligned with people who love what they do and want to help you and not, you know, fake help you and really help the other team.

604
00:47:50,166 --> 00:47:54,286
Well, you made a really good point, which is we're logging this knowledge.

605
00:47:54,286 --> 00:47:59,926
and so we're getting better at it and which you know we're seeing health insurance prices from

606
00:47:59,926 --> 00:48:05,606
25 to 26 go up between 20 and 100 percent I mean depending upon what plan you have

607
00:48:05,606 --> 00:48:14,246
our price for our members from 2024 to 2025 was down 11 percent we started in 2021 and our prices

608
00:48:14,246 --> 00:48:21,406
now in 2026 are lower than they were in 2021 and so you know one the community is growing so that

609
00:48:21,406 --> 00:48:27,566
helps. But two is we're logging all of this data that we have so that, you know, as more bills come

610
00:48:27,566 --> 00:48:32,346
in and more cash prices come in, we're logging that, we're putting it in a database, we're then

611
00:48:32,346 --> 00:48:39,626
giving that data, all members access to that data. So you know, you know, what a great primary care

612
00:48:39,626 --> 00:48:45,786
doc should charge in, you know, South Florida or wherever, you know, in Austin. And so people are

613
00:48:45,786 --> 00:48:50,586
then going to those doctors who are then not going to send you to the really expensive hospital

614
00:48:50,586 --> 00:48:54,506
system doctors, they're going to send you to the best cardiologist in town or whatever.

615
00:48:54,506 --> 00:49:00,106
And so we're just getting better at getting our members to really great docs at fair prices.

616
00:49:00,246 --> 00:49:02,526
And as such, our prices are going down over time.

617
00:49:03,006 --> 00:49:07,466
You know, I kind of joke, and I think Bitcoiners get this, is I think healthcare should be

618
00:49:07,466 --> 00:49:09,506
deflationary, not inflationary.

619
00:49:10,146 --> 00:49:15,906
All the other services that we get, you know, you probably have seen that, and you may have

620
00:49:15,906 --> 00:49:22,006
even posted it, there's this graph that shows the cost of goods over the last 20 years,

621
00:49:22,686 --> 00:49:29,486
inflation. And, you know, everything that the government touches is like wickedly high. It's

622
00:49:29,486 --> 00:49:34,846
like two, three, four X inflation. And that's, you know, medical services, hospital services,

623
00:49:35,246 --> 00:49:40,506
education, you know, where everything that the government doesn't touch, electronics,

624
00:49:41,126 --> 00:49:44,666
you know, all these kinds of things are going down. Everything that the government does touch

625
00:49:44,666 --> 00:49:48,726
are going up. And healthcare are the top two things. I think it's hospital. They broke it down

626
00:49:48,726 --> 00:49:52,146
because like medical services and hospital services. I don't know the difference between

627
00:49:52,146 --> 00:49:57,226
the two, but those were the highest increasing things. So, you know, I think healthcare should

628
00:49:57,226 --> 00:50:02,326
be deflationary. I think we're well on our way to get there. So I guess with the primary care

629
00:50:02,326 --> 00:50:06,286
and the urgent care, do I have to sign up for that before and get started? Or is that something you

630
00:50:06,286 --> 00:50:09,906
just access as needed? I'm assuming you have to like figure out who your primary care doctor is

631
00:50:09,906 --> 00:50:13,666
and then book an appointment. So I probably have to go back on the app and kind of work on that.

632
00:50:13,666 --> 00:50:14,886
What about mental health?

633
00:50:15,186 --> 00:50:21,946
Yeah, I mean, this unlimited amount of kind of mental health therapy, talk therapy is available.

634
00:50:22,286 --> 00:50:25,946
And then we also have kind of inpatient mental health.

635
00:50:26,026 --> 00:50:31,386
So if something goes totally awry with, you know, with your mental health, then that's also eligible.

636
00:50:32,026 --> 00:50:41,226
You know, we aren't getting into like the SSRIs and things like that, because I think there's so much craziness out there that,

637
00:50:41,226 --> 00:50:46,926
And candidly, the crowd doesn't particularly want to pay for, you know, SSRI medications and things like that.

638
00:50:47,006 --> 00:50:55,706
So if, you know, if you do have a mental health condition and you are taking some of those medications, we may not be the right, you know, right avenue for you.

639
00:50:55,706 --> 00:51:01,526
Although we can probably help you get those medications at significantly less than what you're currently paying through your health insurance plan.

640
00:51:01,926 --> 00:51:05,306
So that's the other thing is, you know, we had a member who had cancer.

641
00:51:05,566 --> 00:51:07,786
I think she had like non-Hodgkin's lymphoma or something.

642
00:51:07,886 --> 00:51:10,606
I might be wrong, but her medication was going to be $40,000.

643
00:51:11,226 --> 00:51:16,466
a month. And we went directly to the pharmaceutical company, negotiated with them and got it for $2,500

644
00:51:16,466 --> 00:51:21,646
a month. And so, you know, there's a way to get these meds for significantly less too,

645
00:51:22,186 --> 00:51:27,086
that we've gotten way better at over the last few years. And so, you know, our members are getting

646
00:51:27,086 --> 00:51:31,866
meds way less than health insurance plans are getting those meds for. I mean, people, I think,

647
00:51:31,906 --> 00:51:36,666
just have to start running the numbers. I think about my family member whose healthcare went up

648
00:51:36,666 --> 00:51:41,746
$800 per month and he can ensure his whole family with three kids for less and not ensure

649
00:51:41,746 --> 00:51:48,166
he can join crowd health and pay less than that, but 10% less than that per month and

650
00:51:48,166 --> 00:51:51,846
take ownership of, of their health, take ownership of, of, of their savings.

651
00:51:52,526 --> 00:51:56,326
And I think there's the opportunity to bring this to your employers and say, can we make

652
00:51:56,326 --> 00:51:57,006
a deal here?

653
00:51:57,306 --> 00:52:01,986
You know, if you're, if you're paying 30 to 50, 60, 70,000 per year on my behalf, maybe

654
00:52:01,986 --> 00:52:03,366
we can both save money.

655
00:52:03,366 --> 00:52:06,266
Well, the average family on our employer is about $26,000.

656
00:52:06,666 --> 00:52:13,306
a year crowd health is max seven i only paid six last year because the crowd was doing so well so

657
00:52:13,306 --> 00:52:17,466
there's a fourteen thousand dollar delta there that we've had a lot of members go back and be

658
00:52:17,466 --> 00:52:22,986
like look why don't you give me six or seven thousand dollars more salary i can then use

659
00:52:22,986 --> 00:52:28,026
that to go and buy crowd health and and you guys are benefiting because you're not paying that extra

660
00:52:28,026 --> 00:52:33,546
fourteen thousand dollars for my my health care it's a win-win scenario and a lot of small companies

661
00:52:33,546 --> 00:52:37,386
will do this. I mean, if you go to General Electric or something like that, they probably

662
00:52:37,386 --> 00:52:41,406
won't do it because they're so risk averse. But with some of these small companies, they're like,

663
00:52:41,486 --> 00:52:44,526
yeah, I'll take that deal. And so we've had a lot of members go and do that.

664
00:52:44,526 --> 00:52:50,966
I think that's very intriguing to small business owners. Just do the math that you get to take the

665
00:52:50,966 --> 00:52:58,546
14K, if that's the numbers you're working with, and invest in or save in Bitcoin. Or pay for a

666
00:52:58,546 --> 00:53:05,546
sweet 16 or, you know, a family trip, whatever it might be, but or just start stacking for,

667
00:53:05,546 --> 00:53:06,826
you know, uncertainties.

668
00:53:07,366 --> 00:53:09,646
And if you need the money, it's there for you.

669
00:53:09,686 --> 00:53:13,826
And if you start saving in Bitcoin, it starts to multiply over long periods of time.

670
00:53:13,846 --> 00:53:14,806
Not financial advice.

671
00:53:14,806 --> 00:53:19,706
Well, maybe talking about, you know, finding the right crowd for you.

672
00:53:20,126 --> 00:53:22,746
You know, part of this is people are self-selecting in.

673
00:53:23,146 --> 00:53:25,246
You get the power and the strength and the numbers.

674
00:53:25,246 --> 00:53:28,746
You guys are, you know, growing leaps and bounds.

675
00:53:28,966 --> 00:53:32,806
People are into this and you're taking, you know, you're joining other like-minded folks.

676
00:53:33,046 --> 00:53:36,466
But maybe there's, you know, some people that it's not right for right now.

677
00:53:36,566 --> 00:53:42,166
I don't think you accept smokers and sort of obesity, I think, is an issue.

678
00:53:42,366 --> 00:53:42,726
Yeah.

679
00:53:42,826 --> 00:53:45,386
And, you know, I definitely want to be careful with these issues.

680
00:53:45,546 --> 00:53:47,666
What it may be the long-term thinking about this.

681
00:53:47,706 --> 00:53:49,806
And I'll just play devil's advocate.

682
00:53:49,806 --> 00:53:58,326
You know, some people say that nicotine and, you know, obviously rolled cigarettes and how they're rolled and what's in them could be carcinogens besides the nicotine.

683
00:53:58,386 --> 00:54:03,226
But some people say nicotine could be a super drug or beneficial to people's health.

684
00:54:03,546 --> 00:54:08,726
And, you know, maybe people who are overweight or obese, they want to get healthy.

685
00:54:09,266 --> 00:54:10,786
And well, there you go.

686
00:54:10,866 --> 00:54:18,726
So, you know, maybe we can out like I guess you can chew it and not, you know, it's more the tobacco than it is.

687
00:54:18,726 --> 00:54:25,146
the the nicotine so you know i think the thing issue with smokers is you know we we ultimately

688
00:54:25,146 --> 00:54:32,286
what we don't want is for other people to have to pay for your bad lifestyle habits you know and i

689
00:54:32,286 --> 00:54:37,026
just don't think it's fair so if you're a smoker like clearly you have a significant increase in

690
00:54:37,026 --> 00:54:41,706
cardiovascular disease a significant increase in you know lung cancer and other cancers as well and

691
00:54:41,706 --> 00:54:45,906
it's i just don't want people to have i don't i don't want to pay for that you know for somebody

692
00:54:45,906 --> 00:54:51,426
else who does that. And I don't think our crowd does either. And so we could do something where

693
00:54:51,426 --> 00:54:57,486
we could say, hey, you know, look, you can join, but these things aren't eligible. But then I also

694
00:54:57,486 --> 00:55:01,926
don't want people to like join and then get lung cancer, which is a million dollar deal, and then

695
00:55:01,926 --> 00:55:06,486
not have, you know, some kind of help with that, because they don't have health insurance, crowd

696
00:55:06,486 --> 00:55:11,206
health won't be. And so they end up in bankruptcy because of this, like, that's not what I want,

697
00:55:11,206 --> 00:55:15,586
either. You know, when I was starting the company, I was doing some research on this

698
00:55:15,586 --> 00:55:21,406
and somewhere between 200 and 250,000 families go bankrupt every year due to a medical event,

699
00:55:21,406 --> 00:55:24,606
even though they have health insurance. So they have health insurance and they're still

700
00:55:24,606 --> 00:55:29,186
going bankrupt. And I was like, man, my goal is zero people in CrowdHealth go bankrupt

701
00:55:29,186 --> 00:55:32,766
due to a medical event. And so far, we're almost five years in zero.

702
00:55:32,808 --> 00:55:36,208
Zero people have gone bankrupt due to a medical event, and I want to keep it that way.

703
00:55:36,368 --> 00:55:39,728
So, I mean, I could make all these rules and things to allow it some other way.

704
00:55:41,008 --> 00:55:43,748
Ultimately, you're just trying to get cute with it.

705
00:55:43,868 --> 00:55:49,328
And so I prefer to be very explicit in our rules up front so that people don't get surprised along the way.

706
00:55:50,008 --> 00:55:53,188
You know, the other thing is 65 and older, we can't do for Medicare reasons.

707
00:55:53,488 --> 00:55:56,408
There's some regulatory reasons there, so we can't do 65 and over.

708
00:55:57,128 --> 00:55:58,728
We're working on some of these things.

709
00:55:58,728 --> 00:56:02,468
But, you know, ultimately, yeah, I mean, we have a self-selecting group in.

710
00:56:02,468 --> 00:56:15,848
We've got a bit of a younger group in. I think younger people are a little less risk averse than the older folks. We got a lot of single people because single people are less risk averse than people who have families for obvious reasons.

711
00:56:16,468 --> 00:56:23,168
But I would say that we're getting way more families now than single people because we've shown that we can get these bills paid.

712
00:56:23,168 --> 00:56:29,068
And so, yeah, we've got a group of people that self-select in and there tend to be pretty healthy folks.

713
00:56:29,328 --> 00:56:34,768
And so do you want to be in a group of people funding each other's health care expenses that are healthy or unhealthy?

714
00:56:35,008 --> 00:56:36,288
You know, we prefer the healthy ones.

715
00:56:36,388 --> 00:56:39,208
With that said, I think we're going to expand this year a little bit.

716
00:56:39,388 --> 00:56:45,148
We're probably going to announce a diabetes program in the next probably month or two.

717
00:56:45,708 --> 00:56:49,048
You know, 25 cents of every dollar is going to people with diabetes.

718
00:56:49,888 --> 00:56:57,948
And, you know, I think most of us, especially in the Bitcoin community, know that if you have type 2 diabetes, which is a lifestyle issue, that can be reversed.

719
00:56:58,188 --> 00:57:02,648
And I think the medical industrial complex is telling people once you have diabetes, you'll always have diabetes.

720
00:57:03,208 --> 00:57:09,508
And I think that, you know, ultimately what we're going to do is say, hey, if you have diabetes, type 2 diabetes, you can join the crowd.

721
00:57:09,608 --> 00:57:10,608
You're going to pay a little bit more.

722
00:57:10,868 --> 00:57:13,748
You've got to be a part of a program to eliminate your diabetes.

723
00:57:14,168 --> 00:57:18,888
And once you do that, then you can kind of come back down to the general crowd health rate.

724
00:57:19,048 --> 00:57:25,348
But what we want to do is, you know, invite more people into the community, show them the way to get healthy.

725
00:57:25,888 --> 00:57:31,408
And I think that's a way that we can have a significant positive impact on our on our health care system.

726
00:57:31,888 --> 00:57:38,008
I mean, diabetes has gone from one percent of the population in the 1970s to 10 percent of the population in the 2020s.

727
00:57:38,028 --> 00:57:41,608
And that's primarily type two diabetes and it's all lifestyle related.

728
00:57:41,608 --> 00:57:59,042
So man imagine you know 25 cents of every dollar is going to diabetes and you can get know get rid of type two diabetes What impact that would have on on our system And it pretty pretty significant What about AI How do you see that Has that impacted your business And maybe how do you see it impacting health care

729
00:57:59,042 --> 00:58:04,842
Yeah, we use some AI to help us with some of our doctor recommendations.

730
00:58:05,382 --> 00:58:10,442
You know, so right now you can go into your app and you can say, hey, find me a really great place in Austin, Texas.

731
00:58:10,442 --> 00:58:22,362
And we have some, you know, AI that kind of scours our, you know, our databases and all of our information and things like that and can get you, you know, a really great doctor based upon, you know, your lifestyle choices.

732
00:58:22,702 --> 00:58:31,862
And, you know, we can tell you if this doctor is amenable to kind of a high protein diet, maybe some doctors aren't and things like that.

733
00:58:31,902 --> 00:58:34,182
So we're utilizing AI in that way.

734
00:58:34,182 --> 00:58:45,722
I mean, I think ultimately, you know, what I want, and I'm not saying crowd health is going this way, but I want is I want to be able to, you know, import all of my medical data, all of my labs, everything.

735
00:58:46,062 --> 00:58:50,702
And then I want AI to basically say, hey, I see everything that you have here.

736
00:58:50,782 --> 00:58:52,122
Here are some things to think about.

737
00:58:52,302 --> 00:59:00,762
I want to import my lifestyle choices and my, you know, workout choices and all that kind of stuff so I can have almost like an AI doctor, you know, help me.

738
00:59:00,762 --> 00:59:08,522
and then I can base that AI on the findings of a specific doctor that I think I really like,

739
00:59:08,722 --> 00:59:11,942
you know, so, you know, there's all these doctors on the internet who are telling you,

740
00:59:12,102 --> 00:59:16,302
you can't have high cholesterol, high cholesterol is bad. So you got to have these statins and all

741
00:59:16,302 --> 00:59:20,742
these kinds of things. And there's other doctors who say, well, you know, I don't really believe

742
00:59:20,742 --> 00:59:24,262
that here's some other things you can do in lifestyle. So I'd like to take all my medical

743
00:59:24,262 --> 00:59:29,522
information and then show it to an AI version of the doctor that I think I'm more in line with

744
00:59:29,522 --> 00:59:34,542
into my worldview so I can get some feedback on that. And that's ultimately what I want. Now,

745
00:59:34,742 --> 00:59:38,262
you know, can CrowdHealth do that? I'm not sure. But I think, you know, directionally,

746
00:59:38,302 --> 00:59:43,262
that's where we'd like to go is to, you know, enable you to have your own doctor, you know,

747
00:59:43,262 --> 00:59:48,342
based upon your own information, as opposed to, you know, a random doctor down the street that

748
00:59:48,342 --> 00:59:54,822
you have no idea what their kind of education is, their worldview is. And look, I think lifestyle

749
00:59:54,822 --> 01:00:07,996
choices is 90 of the game And I don think that the normal primary care doctor is paying attention to that stuff And so I want to put all that stuff into an AI doctor that does pay attention to that

750
01:00:07,996 --> 01:00:14,616
stuff and can tell me, you know, what kind of path I should be going down based upon the inputs that

751
01:00:14,616 --> 01:00:19,156
I give it. You know, and some people have privacy data, you know, privacy related issues with that

752
01:00:19,156 --> 01:00:23,396
and things like that. So we can do that in a way that keeps this data totally private and it's just

753
01:00:23,396 --> 01:00:29,036
yours, I think that could be a really interesting scenario. You know, I think that's what prior care

754
01:00:29,036 --> 01:00:34,236
doctors should be doing and are not doing. And therefore, I think much of primary care could be

755
01:00:34,236 --> 01:00:40,316
replaced with an AI version of a primary care doc that could be helpful. Well, Andy, I just want to

756
01:00:40,316 --> 01:00:46,056
say, you know, we're really thankful for you. I don't know if you know we're thankful. My family,

757
01:00:46,836 --> 01:00:52,036
I'm sure other crowd health members, you know, you're helping us take our power back and our

758
01:00:52,036 --> 01:00:55,316
sovereignty back over our health, something which I've been trying to do for 20 years. And,

759
01:00:55,376 --> 01:00:59,936
you know, it's great to have an ally like you on the journey. I'll leave it to you. Maybe you could

760
01:00:59,936 --> 01:01:04,976
tell us what the vision is for 2026 for CrowdHealth and where people can go and sign up.

761
01:01:05,316 --> 01:01:09,856
Yeah, I mean, I don't know if this is 2026, but it's what gets me most excited. You know,

762
01:01:09,856 --> 01:01:15,016
I'm a Bitcoiner at heart. I'm kind of doing this healthcare thing because I feel like the higher

763
01:01:15,016 --> 01:01:20,536
power is calling me to do it. You know, and ultimately I want, you know, I'm a big fan of

764
01:01:20,536 --> 01:01:25,416
Bitcoin circularity, because I think that's ultimately the only way in which our country

765
01:01:25,416 --> 01:01:32,176
is going to survive, candidly. And I think that I'm trying to create volume so that I can go and

766
01:01:32,176 --> 01:01:37,736
talk to these big hospital systems and say, hey, you need to accept Bitcoin. And then instead of

767
01:01:37,736 --> 01:01:44,276
me and Cedric funding each other with fiat, I want to fund Cedric with Bitcoin. And then you can use

768
01:01:44,276 --> 01:01:48,656
that Bitcoin to then go and pay the hospital. And so we truly get Bitcoin circularity within

769
01:01:48,656 --> 01:01:52,796
healthcare. I'm actually talking to one of the top 10 largest hospital systems right now

770
01:01:52,796 --> 01:01:58,636
in depth about accepting Bitcoin. And so that's ultimately my goal is I'd love to be able to have,

771
01:01:58,636 --> 01:02:04,336
you know, a host of doctors and hospital systems that will accept Bitcoin. I want our members to

772
01:02:04,336 --> 01:02:08,936
start paying each other Bitcoin. We've already got the foundation lined up. It already works.

773
01:02:08,996 --> 01:02:22,730
The system works We built it on lightning And so it works I just got to get the volume of Bitcoiners to then drive demand towards some of these hospitals and providers to say hey accept Bitcoin

774
01:02:22,730 --> 01:02:28,450
Because the bigger group I have, the bigger crowd I have, the more power I have to go to these hospitals and say, accept Bitcoin.

775
01:02:28,670 --> 01:02:33,990
So, you know, my ultimate vision is, you know, I'd love to have Bitcoin circularity within health care.

776
01:02:33,990 --> 01:02:46,510
And given that is a huge line item on our budget, if we can replace that line item by, you know, that fiat line item right now and turn it to a Bitcoin line item, I'm not asking you to take your stack and pay that.

777
01:02:46,630 --> 01:02:51,210
I'm asking you to use less fiat, more Bitcoin in our exchanges.

778
01:02:51,770 --> 01:02:53,090
And I think we can do that in health care.

779
01:02:53,350 --> 01:02:54,610
And so that's my ultimate vision.

780
01:02:54,730 --> 01:02:57,710
That's what I'd love to do is just a Bitcoiner at heart to see that happen.

781
01:02:57,850 --> 01:03:01,650
So I need more and more Bitcoiners to join the community so that we can make that happen.

782
01:03:02,030 --> 01:03:02,730
I love that.

783
01:03:02,730 --> 01:03:04,150
I mean, we have Bitcoin families.

784
01:03:04,290 --> 01:03:09,790
We should have Bitcoin doctors, providers, Bitcoin hospitals, Bitcoin dentists, Bitcoin

785
01:03:09,790 --> 01:03:14,330
doulas and midwives, I think would be wonderfully received.

786
01:03:14,570 --> 01:03:14,690
Amen.

787
01:03:14,810 --> 01:03:16,130
This has been so dope.

788
01:03:16,610 --> 01:03:21,170
Use the code matrix and, you know, for you get three months at $99 per month and you

789
01:03:21,170 --> 01:03:23,870
could join the community now and get started.

790
01:03:24,130 --> 01:03:24,330
Yeah.

791
01:03:24,410 --> 01:03:25,650
Join crowdhealth.com.

792
01:03:25,650 --> 01:03:30,770
And if you aren't following us on X or Instagram or, you know, whatever your favorite social

793
01:03:30,770 --> 01:03:35,790
media platform is. It's all at join crowd health at our handles. So we'd love for you to join us

794
01:03:35,790 --> 01:03:40,010
there too. So, you know, man, thanks. Thanks for all your support. Thanks for joining the community

795
01:03:40,010 --> 01:03:43,390
and, you know, fired up about getting more Bitcoiners involved.

796
01:03:43,690 --> 01:03:46,810
Yeah. Thank you so much, Andy. And thank you for supporting the show. Talk to you soon.

797
01:03:47,170 --> 01:03:51,810
Thanks for tuning in to this episode of The Bitcoin Matrix. If you enjoyed the conversation,

798
01:03:51,810 --> 01:03:56,630
don't forget to like, subscribe and drop a comment below with any questions or thoughts you may have.

799
01:03:56,630 --> 01:04:01,390
we'd love to hear from you. You can support the show by checking out our sponsors and affiliate

800
01:04:01,390 --> 01:04:05,650
links in the description. It helps keep bringing you great content while connecting you with

801
01:04:05,650 --> 01:04:10,410
awesome products that I believe in. Share this episodes with your friends, family, or anyone

802
01:04:10,410 --> 01:04:15,710
curious about Bitcoin. And let's keep growing this community together. Stay curious, keep stacking,

803
01:04:15,710 --> 01:04:17,710
and I'll catch you in the next one.

804
01:04:26,630 --> 01:04:27,130
you