Karl Frank just completed his 200 hour yoga certification. Although that makes him far from an expert on health, the expert network team share tips and personal stories about how we are staying fit in our fifties, and beyond! Resources mentioned in the podcast include: Good Energy by Casey Means Outlive by Peter Attia Mangala Yoga, Telluride, Colorado where Karl got his yoga certification As a quick reminder, the Expert Network Team provides free consultations. We would love the opportunity to be of service to you or someone you care about. Just scroll the liner notes to contact one of our experts or today’s guest. And please share this podcast with anyone who you think might find it interesting. As always, it is good to have an expert on your side.
Audio file
Episode 104 Health audio only.mp3
Transcript
00:00:00
Welcome to the Experts Network team podcast.
00:00:08
Welcome to today's podcast.
00:00:11
I'm Nathan Merrill with Goodspeed Merrill. Advanced tax strategies is my thing and I've got with me here to this the full crew today. Jeff Krommendyk One Digital Insurance and Karl Frank of A and I Wealth Management.
00:00:29
You got it. Thanks. Thanks. How are you, my friend?
00:00:31
I've known you long enough and now you're certified yoga.
00:00:33
Yoga! Way to go. Karl and Stacey, yeah.
00:00:36
Instructor as of yesterday. I'm a certified yoga instructor. It's a big.
00:00:41
Deal.
00:00:42
Hey, we're all together guys.
00:00:44
What do you think would be great?
00:00:45
Pretty awesome.
00:00:46
So our topic today, I'll just kind of what prompted me to think of this because for those who have known me or know me over the years, I've not been much of...
00:01:00
Health-Oriented lifestyle. My Mountain Dew consumption is notorious and I work a lot, have a very sedentary life.
00:01:04
You work a.
00:01:05
Lot.
00:01:08
Doctor Pepper. There was Doctor Pepper.
00:01:09
Well, just whenever there wasn't Mountain Dew, there's Doctor Pepper.
00:01:12
Oh, I see.
00:01:13
But fine behind the computer, right? I mean that like kills you.
00:01:17
Yeah, well, that's why I say the sedentary life, the stress, the bad diet.
00:01:23
It was a wonder I was alive and and I've had health challenges that presumably were not lifestyle related. But then earlier this year.
00:01:31
I got that issue with the shingles in the mouth and I couldn't eat food for 10 days and.
00:01:37
Started losing weight. Quit the Mountain Dew because I had to and I've just kind of turned a corner where this whole year has been focusing on getting healthier.
00:01:46
And what a difference it's made. What? Yeah. Lost 20 lbs. And so I think it would be really interesting because this is actually my personal journey, but it's also something that's garnering a lot of attention recently, in part because of the the platform that...
00:01:47
Yeah, look at this guy. I mean, well, he doesn't. He look great.
00:01:51
I know, yeah, yeah.
00:02:06
Robert F Kennedy Jr has given make himself make America healthy again, but I mean before he joined forces with Trump, he was all on the health, you know, he's an environmentalist, but.
00:02:10
Hmm.
00:02:20
Vaccines. He's notorious for his research and his work dealing with the vaccine issue.
00:02:28
But he makes
00:02:28
An interesting point which can be part of our conversation, which is you go back 50 years to the 60s and 70s and obesity really wasn't a thing. Childhood diabetes.
00:02:40
Wasn't the thing I mean other than type one? Yeah.
00:02:44
Allergies. Allergies. A lot of.
00:02:47
And I'm not a doctor, so I'm not going to always use the the proper phrasing, but a lot of.
00:02:51
These issues have.
00:02:53
You know, some people will attribute it to glyphosate and, you know Roundup ready stuff. And because gluten intolerance is also, you know, grown in significance.
00:03:06
But the reality is there's definitely something going on in our diets that is producing bad
00:03:12
Outcomes and then our lifestyles as well. You used to have physical education in elementary school. I think in most cases that's gone now.
00:03:19
I had an idea, I hope not.
00:03:21
We had the president's physical fitness test. You guys remember that growing up, you had to do all that stuff that was instituted, I believe during John F Kennedy's tenure as president. And we did jump roping. You know, you think of all this stuff and the kids just don't do it anymore. They're on screens. So it starts young and we persist in our, you know, our lifestyles.
00:03:24
Yeah, sure.
00:03:42
In such a way that it's.
00:03:43
Arguably not good for us, so I've just been on a real health journey.
00:03:48
Myself and thought it would be interesting to talk about how it's impacting us.
00:03:52
We got a great topic. Yeah, and certainly, you know, public policy is beyond my scope of expertise. But health is a huge deal, and it's definitely a personal journey. Stacey, my wife and I and our kids are on this all together. Can you know, we can impact ourselves and make a big difference in our own lives and maybe lead by example.
00:04:10
A little bit. It's certainly something that we see wanting to affect the world in a better way. Absolutely right, yeah.
00:04:18
You know, that's great. I think too. You know, it's interesting. There are wake up calls. Obviously, Nate, we've kind of traveled with you through a few of those here the last couple of years. But it, I do believe that it starts young. It probably does need to start back with our kids. I mean, I think it's an interesting phenomenon when you think about.
00:04:38
The.
00:04:40
Yeah. The things that we're dealing with today that we just weren't weren't even on the radar screen. You know, back when we were growing up and certainly there's, you know, some of the physical things, but even the the mental, I think symptoms that you know, there's a lot of depression, there's a lot of anxiety for whatever reason. And I don't, I don't know that, you know, we had anything less to worry about.
00:05:00
Back in the 80s, I mean, they were still making songs about dropping bombs and so on and so forth, but there's probably a little bit more to to worry about today than before, but I'm.
00:05:02
Well worth.
00:05:08
Wondering. Yeah, what it is that you know, the sugar and, you know, just the types of diets that we live on right now. And, you know, we all know that physical activity also impacts, you know, your your psyche and and and how you're feeling emotionally. And so it's it's all tied together, right. Like we're we're.
00:05:29
Integrated creatures, right. We're we're fearfully and wonderfully made and everything. It affects everything else. And so there's, there's all these things that.
00:05:37
Mm-hmm.
00:05:39
You know today's lifestyles that these kids are living in, including US adults, it it certainly isn't pointing to how we were.
00:05:47
Created for sure.
00:05:48
Thanks.
00:05:49
Well, and so on the diet. You know what, one of the authors I've read recently and these people have garnered a lot of attention as of late. Are the Casey and Kelly.
00:05:59
Means I think is who they are. They wrote this book Good Energy and and Doctor Peter Tea.
00:06:06
Also has written a book called.
00:06:09
Out outlive, I think is what it's called. They're talking about how if we're going to live longer, which we presumably are because of modern medicine and and that sort of thing, why not live a good life long, like, let's outlive. Let's get to 100 years old. But let's get there. Not with health, with health, right.
00:06:29
And vigor and one of the things that that both of these groups have kind of dialed in on is one of the more toxic things that we seem to put in our bodies. But one is sugar.
00:06:40
Which is.
00:06:41
You know, sugar is bad. It brought your teeth, you know it. It goes. It's the type of energy that gets stored as fat really easy. It. It can mess up your gut and your metabolism. But the other one that kind of surprised me because again, we we go back in time and we we think of our recollection of how these.
00:07:02
Things were introduced to our world and they were introduced as a positive.
00:07:07
But seed oils like canola oil, vegetable oil, like all these oils are terrible for.
00:07:14
Us at the cellular cellular level, the mitochondrial level, like it's killing our cells at the very foundational.
00:07:23
Level and it's in everything like try to go to the store and you know other than Whole Foods or Sprouts or something and buy something that doesn't have partially hydrated or whatever in it. Soy this, that or the other.
00:07:39
Yeah, lots of calories. Not much nutrition. That's a huge problem, isn't it? One of the things that I found really interesting, I heard this quote, and I think it was an RFK quote, but it was the business incentive to keep people unhealthy that the most profitable product in America is a sick child.
00:07:58
Terrifying statement, right? Because they get the parents will spend anything to keep the kid alive. Get them healthy as quickly as they can.
00:08:06
And then the kid stays unhealthy, and so they're a young person going on their companies plan and the company wants them to get better. But the kid is still sick and the doctors are motivated to get paid on the process, not necessarily making you healthy. Right. And then later in life, you'll double the amount of money that you spent during your life just to stay alive at the end of your life.
00:08:26
Before you pass, well, using a most recent example of that is this ozempic drug, which is ironically produced in a country that has banned it from use in Norway. But.
00:08:38
But once you're on it, from what I understand or what's being talked about is once you're on it, you're on it for life like and. And so if you're a.
00:08:46
Child. That's obese.
00:08:48
And this is the the diet or the treatment. And again it gets to treatment rather than cure.
00:08:53
That's an appetite suppressant. Right? From what I understand.
00:08:58
Yeah, it's a, it's a, it's a.
00:08:59
Maybe.
00:09:00
It it goes with your metabolism in such a way. But it's not all healthy either, because there's fat burning. Fat burning obviously is important in weight loss, but then there's also muscle burning that goes on there, yeah.
00:09:00
I don't know.
00:09:11
That's what I've heard that it's the muscle burning. You have to consume your body weight and protein grams per day or some huge amount of protein that might be unachievable for many Americans.
00:09:21
To keep your.
00:09:22
Muscle. Muscle mass.
00:09:22
Man.
00:09:24
So and then the other you know, to this point on sugars, again sugars and carbs, because it's the, you know, we grew up on wonder bread. Wasn't it an amazing invention, wonder bread and rich flower and all that sort of?
00:09:37
Stuff.
00:09:38
Cents a loaf just.
00:09:42
It's not that that those kind of carbs just are simply not.
00:09:46
Good for us.
00:09:47
And obvious in retrospect, right?
00:09:51
May be obvious now. Then too, we were just fed a line. But that's the conspiracy theorist to me coming out the.
00:10:01
They're starting to refer to as Alzheimer's, as type 3 diabetes because they're finding a direct link with diet diet.
00:10:06
That's interesting. Yeah.
00:10:11
High sugar, high carb diets.
00:10:12
There's a big counter incentive for the companies to get better because they're so profitable off of this. You deliver so many calories for lower and lower and lower price, right? And and on the government side.
00:10:22
You know, they're all on the on the food stamp list. They're subsidized. It's all OK. It's very different. In England, for example, where they actually subsidized fruit and vegetables. It's really strange. If you go to London, they'll be cheaper than the processed foods that are cheaper in America. Yeah.
00:10:33
Yeah, yeah, we were there last week and notice notice that. Yeah. And you know, you guys have you traveled to Europe or, you know, overseas and it it's amazing. They don't seem to have the problem.
00:10:46
Yes.
00:10:47
Like we do in America, I mean with obesity and and so on and so forth, it just seems to be a a different you know they they pedal bikes a lot walk, do a lot of walking. Clearly there's some different lifestyle habits there, but really, really interesting that I didn't realize England subsidized that.
00:11:00
That's right.
00:11:06
Yeah, yeah, the exact opposite of here, yeah.
00:11:06
Oh.
00:11:09
It's not cheap to eat healthy, is it?
00:11:14
In America.
00:11:14
Well, it's not cheap. OK, so financial planner in the room, right? Is it cheaper to eat healthy and not have health issues? Or is it cheaper to eat healthy? Or is it cheaper to eat, unhealthy and then have the expensive health issues that?
00:11:22
Oh my God.
00:11:31
Yeah, allegorically, it's obviously a lot cheaper to stay healthy and it's just so much more fun, right? But statistically, I don't have the, you know, is.
00:11:34
Stay healthy.
00:11:38
OK, so as a big picture, it's healthy, it's it's less expensive or you're not paying as many deductibles co-pays for future issues, so on and so forth.
00:11:39
That the perspective.
00:11:42
Cheaper to be healthier.
00:11:48
Medications. But when you go to whole paycheck versus King Soopers is what I'm saying, right?
00:11:50
And.
00:11:51
The word.
00:11:59
Credit cards.
00:11:59
Included. I mean it's it's like it's not.
00:12:02
That's what I was talking about.
00:12:03
Well, so here's here's
00:12:04
The cost of healthy food is.
00:12:08
Agreed. It goes back to what you were saying, Carl about.
00:12:09
It is.
00:12:14
It it matters what type of calories you're eating, because the interesting thing is when you eat sugars, you stay hungrier longer, like your body isn't it's I forget the word these words satiating or something like that. So you tend to eat more when you're eating bad food when you're eating healthy food.
00:12:17
Yeah.
00:12:34
Your body gets the signal and says you're done. Shuts you down. You're not hungry anymore and you have just as many calories as you need and you.
00:12:41
Can do that.
00:12:42
Best with proteins you can not eat. You cannot overeat protein because it's.
00:12:44
Yeah. You know, these high protein diets are a big deal right now, yeah.
00:12:51
And I would like to try and then there's a steak that I got my eye on.
00:12:54
Yeah, I don't have the expertise to speak about the diet, but I intuitively agree with what you're saying and but I I.
00:13:00
I just stayed in the Holiday Inn Express. That's my.
00:13:05
OK. Is that your diet? No, that's my education.
00:13:09
The.
00:13:10
Yeah. And and certainly from an intuitive standpoint, that makes sense, but definitely from an allegorical and his personal standpoint, exercise is the key and mental, physical, spiritual everything is that way. And getting outside just makes everything better, right. And moving and moving here in this gorgeous state makes it easier to do both. Right. So getting out there and doing it.
00:13:19
Yeah.
00:13:20
They agree.
00:13:24
I totally agree.
00:13:30
The vitamin D, the natural vitamin D. But the thing my wife and I are on a kick on right now in addition to our morning full plunge which?
00:13:40
I can't plug that enough. We've got a cold plunge down to 44°. We do it every morning and it's 3 1/2 minutes.
00:13:41
Oh my gosh. Yeah. Tell us, did you get one?
00:13:49
How long?
00:13:51
Wow, that's a long time. That's hard.
00:13:53
Yeah, that first minute.
00:13:55
Put some of the yeah, some of the.
00:13:58
It just gets it gets it.
00:13:59
Well, for that, it's the inflammation, the joints.
00:14:04
Heather was, and Heathers is fit. And this healthier person is, as I know, and even she was have, you know, we're getting older. So she was having elbow issues and knee issues. And after about a month of again allegorical, we're not doctors, we're not diagnosing here, but joint pains gone. She hates the cold.
00:14:21
Yeah.
00:14:25
And even she will do a 3 1/2 minute plunge at 44° and then you get the dopamine hit afterwards and you're you're more cold.
00:14:30
Yeah. Ohh it feels good right now.
00:14:33
Warrant. That's one of the things that they point out in several of these books is we're constantly eating, which is bad. So you should limit your meals. You shouldn't snack throughout the day. You should stop eating around 6:00 or 7:00. Don't eat after that.
00:14:49
Get outside, get sunlight in the eyes as as early as you can in the morning, because all this stuff is part of like you're.
00:14:56
Saying the natural cycle helps you sleep.
00:14:58
Yeah, yeah. Don't stay up late. Don't you know some of them even go as far as to say, get red lights if you're going to stay up late, don't use white light use because your eyes.
00:15:11
You take what you take in your mouth matters what you take in your eyes matters and.
00:15:16
Then leave all.
00:15:16
That.
00:15:16
And then the activity they said like 2 minutes of walk or 20 minutes of walking after a meal is better than 45 minutes in the gym working out any other time because it just ties in with what your body's trying to do with what you've just makes everything easier. Yeah, absolutely.
00:15:33
Yeah, it's good.
00:15:36
Well, maybe there's a a second podcast right on the back end of this, but I know we were talking a little bit about the relationship between the medical profession and then also, you know, the food industry and and just the the things that are promoting these types of.
00:15:55
Lifestyles, not the healthy lifestyles, but the unhealthy lifestyles.
00:15:59
That are actually.
00:16:00
We, you know, creating economic growth and incentive for you know the the solutions to all these problems not to get into a conspiracy type theory.
00:16:11
Well, that's what we were saying and it's not a conspiracy, it's just the incentives are all wrong.
00:16:15
Yeah. Yeah. So we're right. We're not all talking to each other and all on the same page with regards to where we're heading as a society. So yeah, I don't know, any thoughts on that before we maybe sign off here this afternoon.
00:16:29
Well, I I did want to loop in the exercise and find out what you've learned from the yoga side of things because as I was mentioning before the post.
00:16:36
MHM.
00:16:38
Yes.
00:16:39
Particularly when it comes to yoga, some people look at it and say, well, that's egg, it's Sissy sport. I want to do some heavy weight lifting, get on my bike. I wanna do manly stuff. But if for any man who's ever done yoga, you know, you couldn't feel more Sissy trying to do some of those poses, falling all over yourself. So what? What got you into that and what have you learned?
00:16:55
That's awesome.
00:16:58
Well, my wife got me into it and I love it and we're totally hooked. Yeah, it's a big deal. And and and from a healthcare standpoint, one of the most obvious and undeniable facts, it seems to me without any sort of.
00:16:59
In that process.
00:17:00
OK.
00:17:10
Backing it up, other than just common sense that one of those dangerous things that can happen to you as you age is falling, and yoga provides you balance right the other.
00:17:15
That's right.
00:17:19
Flexibility, core strength.
00:17:20
Well, that's really huge. Yeah, strength. And then stronger bones. Right, stronger bones, more flexible body. I mean, it all adds up, right? But the other big balance, the other big benefit to balance is actually concentration, because while you're balancing while you're in the act of not falling over, you're focusing on what they call a Drishti. It's a, you know, the object of focus. I'm focusing on the door.
00:17:42
You know the thermostat that the checking the wall, whatever it is.
00:17:45
And and that concentration translates to your regular life. So if you're distracted and your brain is shot because you've been scrolling through social media, too many emails or just the advertisements on the television, whatever it is, right, the concentration benefit is huge. And it's made a big difference in my life. And it's lowered the blood pressure. It's lower the stress. It's increased my ability to.
00:18:06
Have greater tolerance with different.
00:18:09
Stressors in life, right? It might. Yeah. I mean, it's just a it's a massive improvement.
00:18:14
So it's really body, soul spirit kind.
00:18:17
Of all there.
00:18:18
Yeah, it's all there. I mean, the history of yoga is thousands of years old, but it didn't really become popular until the last century. And when it moved from India into America, it moved over with a Christian bent. And that's something that's really different because prior to 1950, you know, America was much more openly Christian than after after that.
00:18:38
Period of time, right. And so to sell it to a Christian audience, they needed to.
00:18:42
Have yogis come over who really knew the Bible, who were Christian themselves. Yeah. So it's a really. It's not a it. It is it's own religion. Without a doubt. It is a. It's a Hindu. Yeah. And. And there's a lot of new AG branches, right. There's all sorts of branches on this tree. And you can get really weird really, really quickly. There are definitely some.
00:18:47
Ohh.
00:18:53
For the wish.
00:19:03
Interesting.
00:19:04
Parts to it, and there are definitely characters who, some of whom are in, you know, Netflix.
00:19:09
Series and are are outside the US and can't come back to the US or they'll be arrested for some of their crimes, right? So like definitely some people who have hurt people in this. But the act itself is amazing and it's synonymous and and congruent with with all beliefs, if you want it to be and and the practice of prayer.
00:19:14
No one.
00:19:28
Is one of the best things that a person can give that a.
00:19:32
Person can give. Yeah, absolutely.
00:19:33
Meditation and and it's.
00:19:35
It's it's right there. Yeah, that's great. It's right there. Yeah. And there's some really cool things that we've just picked up on during our.
00:19:42
200 hour certification process that I can't wait to explore for the rest of.
00:19:43
Chief.
00:19:47
My life, really something you said that reminded me I had forgotten that Heather actually got a certification for yoga too. This was this is a while back, but.
00:19:47
That's cool.
00:19:54
Is to meet you.
00:19:58
The reason why she did it and we were looking at this and you can tell me what you think about this as a business opportunity or a business idea. But we were looking.
00:20:06
To start a child yoga program because you know we were, we were seeing, not necessarily in our kids, but around us the, the, the attention, the focus, the just all the things we've been talking about that start young, how great would it be if you could?
00:20:10
Ohh you love it.
00:20:16
Yeah.
00:20:27
That kids.
00:20:28
Doing that kind of focus and meditation and physical activity.
00:20:34
To kind of bring them down because you were talking about the anxiety and you know the kids, a lot of kids anymore. If you're not on Adderall or some psychotropic drug, you're unusual.
00:20:39
Depression.
00:20:46
Yeah.
00:20:48
Because of the anxiety, the depression, that sort of stuff and yoga would be a.
00:20:51
Natural started, but because it's thousands of years old that that the grandfather of all the modern yoga branches.
00:20:52
Where it started.
00:21:00
And he was teaching Indian boys and so many of the poses you see now that are so hard to get into that because they're designed for these boys. Yeah. Are really skinny, really flexible and a lot smaller and younger than we are. And they're so hard.
00:21:03
Interesting.
00:21:11
Yeah, definitely.
00:21:13
Yeah. And like I had mentioned earlier in the podcast, I mean, starting young is.
00:21:20
So much better than trying to pick up something when I'm 505560 and creating a new habit. I mean to to.
00:21:26
Mm-hmm.
00:21:27
To start moving Young is is much easier than to try to start later in.
00:21:29
And now?
00:21:30
It's much easier.
00:21:32
Life, it's so much bigger as, as you noted, than a single podcast. But the other thing that I wanted to emphasize, because this is huge when it comes back to, you know, what's cheaper, living free or.
00:21:32
It's worth it.
00:21:46
Living well is the fall. The, the and most injuries happen on the descent, not the ascent, so it's it's the balance and stability.
00:21:52
Yeah, that's right.
00:21:55
OK.
00:21:56
That comes into play as part of a significant part of longevity in life because once you get that injury, it's 6570. You're never the same.
00:22:05
No, it's right.
00:22:07
Landslide. You fall, you break a bone and all the other health issues can just compound.
00:22:08
You. You.
00:22:13
So the interesting thing I learned from the Peter Tea book.
00:22:17
And this is something I've started to do because now I work from home and I can do this, but he points to the fact that we wear shoes so much.
00:22:26
That you should actually go barefoot as much as possible to develop those toe and feet so.
00:22:32
Makes sense to me. I think a lot of people believe that and they may be right.
00:22:35
And I I've always been like I'm a shoe guy. I'm a shoe in bed. Guys, you know, that's how shoe I am. But.
00:22:41
But I've totally, you know.
00:22:42
Yeah.
00:22:43
I I'm willing to give anything a try and I've noticed a difference that my feet were weak and I can feel them getting stronger and stronger, yeah.
00:22:49
Stronger fee, stronger feet makes a huge difference. Lighter feet spreading your toes? Yeah, just you know.
00:22:53
Yeah, spreading the toes. These shoes are designed that.
00:22:56
3.
00:22:57
It's on your foot, you know, 2 up front and one and back, bouncing between all three others just countlessly.
00:23:02
So high heels aren't a good.
00:23:03
Thing. Oh my God, it's so sad. These poor women in their high heels, their poor toes are ruined.
00:23:10
Yeah, well, this is great. This has really been. Yeah, it is.
00:23:11
Yeah. Thanks guys.
00:23:14
It's an awakening that's going on and there's so much to consume out there now on it. Some of it can be a little overwhelming.
00:23:21
My closing advice or message would be.
00:23:26
You know, because.
00:23:27
You get into this stuff and you realize you've got to change almost everything about your life to get it back on track to do it right.
00:23:35
The issue isn't just doing it all at once though. You got to start, increment start incrementally, start easy, ease into it and.
00:23:45
And hopefully it's not a health event that forces you to to do it like I did, but that was a good catalyst for me and it got me on the right track. And I'm strangely grateful that it happened because.
00:23:49
And you should.
00:23:56
I probably wouldn't have done that significant to turn around other.
00:24:01
In any other way, sometimes we need that kick in the pants, yeah.
00:24:02
Yeah.
00:24:04
Yeah, you're kind of hard headed, aren't you? Yes.
00:24:08
Good guys, good topic.
00:24:09
We can put some books. I got some books that we can.
00:24:11
Put in the complete list. I've got 2.
00:24:12
Yeah.
00:24:13
Or 3 here.
00:24:14
Already. But and we'll put them in the liner notes and make sure we share with everybody.
00:24:14
Awesome.
00:24:17
And we can revisit this from time to time.
00:24:20
Great to see you, gentlemen. Thanks. Have a beautiful day. Bye. Thank you for joining us today. I hope you enjoyed the discussion and the.
00:24:22
Thanks buddy.
00:24:27
We shared.
00:24:27
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