Episode 245: Peace in The Middle East, Fear of Death, The Hell of Health Insurance, and More…

0:00:11.7 Mike Vacanti: Hello, Jordan.

0:00:12.3 Jordan Syatt: What’s up, Michael?

0:00:13.2 Mike Vacanti: One or two?

0:00:14.0 Jordan Syatt: Two.

0:00:14.6 Mike Vacanti: That chess meme you sent me was hilarious.

0:00:17.3 Jordan Syatt: Dude, how good was that? Maximus in Gladiator just preparing. After a long day at work, stressful day, I’m about to go to war on the chessboard.

0:00:30.0 Mike Vacanti: Go win some games.

0:00:31.2 Jordan Syatt: That’s why I wasn’t upset when you said you were going to be a couple of minutes late today. I was playing chess.

0:00:35.7 Mike Vacanti: How’d it go?

0:00:36.5 Jordan Syatt: Great. The first one was going all right, and then sometimes it’s like, I don’t know if their connection is bad, but they abandon the game, because I think…

0:00:45.7 Mike Vacanti: I love that.

0:00:46.8 Jordan Syatt: Yeah. So I mean, improves my ranking and all that, but… So that happened the first game, and then it was 11:24 and I was going to do a 10 minute or about… It could be up to 20 minutes, realistically, or even more. So I was like, fuck it, I’m going to do it. I’m just going to try and win really fast. And they started off strong, took my queen pretty fast, but then I took their queen and ended up checkmating them at 11:32, like two minutes before you sent the link. So, feeling good right now. Yeah.

0:01:21.5 Mike Vacanti: Let’s go. That’s awesome.

0:01:22.2 Jordan Syatt: Yeah. Probably gonna end up losing the next 12 games straight, but that’s okay.

0:01:25.5 Mike Vacanti: I don’t think so. How did you checkmate them?

0:01:27.8 Jordan Syatt: They made the mistake of they had their king behind three pawns, but they didn’t… It was just a line of three and I was able to get my knight to the back row so he couldn’t… Not my knight, my rook, sorry. I was able to get my rook to the back row so he couldn’t move.

0:01:46.9 Mike Vacanti: Let’s go.

0:01:47.5 Jordan Syatt: And I had taken his other rooks.

0:01:50.2 Mike Vacanti: You saw that the king was trapped back there and then you were strategizing how to get your rook to the back rank?

0:01:56.3 Jordan Syatt: Yeah, exactly. Yeah.

0:01:57.9 Mike Vacanti: Attaboy. Dude, you’re getting good. You’re getting better at chess.

0:02:01.8 Jordan Syatt: It’s coming along, man. It’s fun. It’s very fun. It’s so addicting and it’s so good for me mentally and emotionally to be doing that instead of scrolling. It is… Yeah, it’s amazing.

0:02:11.6 Mike Vacanti: Oh, that’s a no-brainer swap. Speaking of which, the dopamine episode is coming soon, I would guess in the next three weeks.

0:02:20.9 Jordan Syatt: We’re doing a whole episode on dopamine?

0:02:22.6 Mike Vacanti: No, but a good chunk of an episode.

0:02:25.1 Jordan Syatt: Nice.

0:02:25.5 Mike Vacanti: I’m being a little bit of a perfectionist, but it’s gonna end up just being Mike’s dopamine rankings not like… There’ll be some science in there, but it’s gonna skew towards… 

0:02:37.4 Jordan Syatt: Mike science.

0:02:37.8 Mike Vacanti: Yeah. Science plus my lived experience.

0:02:40.4 Jordan Syatt: Love that. What was number one?

0:02:43.0 Mike Vacanti: Number one was me wondering if you have, at any point in your life, maybe more recently but just in general, have you noticed a link between your quality of your nutrition, maybe quality plus quantity, and how your body feels, meaning higher intake of crap, essentially, leading to more aches and pains, like being able to, “Feel the inflammation.” Or have you not noticed any correlation on that front?

0:03:21.8 Jordan Syatt: No, I’ve noticed a significant correlation between how I feel, my skin… I’ve noticed pretty substantial… Especially as I’ve… Just in general, my nutrition’s been dialed lately. For a while, it’s been dialed. And not just in terms of quantity, but more importantly in terms of quality. I’m just not eating shit. I’m putting olive oil on everything, tons of vegetables, tabouli, a lot of fruit, a lot of breakfast like… I didn’t have a big breakfast, I just had 18 almonds and an apple and a coffee for breakfast. I’m feeling good. So, yeah, I absolutely noticed a difference. Digestion is better, gut overall feels better. Yeah, there’s no question, I feel better.

0:04:15.8 Mike Vacanti: So all of those things, I completely agree with. Do you notice or have you noticed anything in terms of little aches, little pains, joints, low back, or is it too hard to make a direct correlation since those things on average increase slightly with age and maybe it’s hard to make that connection?

0:04:40.5 Jordan Syatt: Yeah, it’s also hard because I do so much stuff for that in the gym in terms of joint work and mobility, so it’s hard to know, is this more from that? Is this… I do a lot of dedicated stuff just for that, so I don’t really know what is what, but… 

0:04:54.6 Mike Vacanti: And you didn’t always.

0:04:56.5 Jordan Syatt: I didn’t really before. Yeah, correct.

0:04:58.1 Mike Vacanti: Yeah. Yeah, that’s a good point.

0:05:00.0 Jordan Syatt: Right. You notice your joints feel way better when you’re dialed. I know historically sugar has messed with your joints. 

0:05:09.9 Mike Vacanti: Yeah. I think, I don’t even know if it’s sugar specifically. I know I’ve theorized that in the past, like a super high intake, whereas 10, 15 years ago, if I was in a calorie surplus, moving a ton, super active, but I was eating 4,000 calories and getting 700 grams of carbs and a lot of it was from ultra processed foods, I felt it, but I could just get a good warm up in, maybe pop an Advil, drink a bunch of water and get through a great high volume, heavy training session, no problem. Whereas at 38 years old, I feel like that has caught up to me and I can’t get away with having streaks of poor nutrition quality like I used to be able to. And I’ve just noticed it in how I feel in my training. And also just in general, if we put junk food in the same bucket as caffeine, if I go higher calorie and I go higher caffeine, I can train pretty hard on that, but then I’m paying the price. Like, I’m gonna be on the other side of the seesaw afterwards. I’m not gonna feel as good. So I’m figuring out what to do about that. It’s probably just like 30 days of bring training volume down to like a maintenance volume and stop eating crap or eat very little crap and do a little bit of a reset, is where my head is at.

0:06:48.1 Jordan Syatt: Dude, I’ve noticed that in literally every aspect of stress, every stressor you place on the body… When I was young, like when I was younger, 24, elite powerlifter, I could train as hard as I possibly could every single session, get a pretty shit night of sleep, wake up and go as hard as I… Like, lifting insane amounts of weight day after day after day after day. High volume, high intensity, no issues. Now it’s like I have to pick and choose which sessions I’m really going to go hard on. And even my hardest sessions are nowhere near my hardest sessions from 10 years ago. And so I have to be very deliberate, like, okay, maybe this session I’m going to go really hard on, but I know the next three sessions are going to be like I’m leaving some reps in the tank, I’m not really pushing myself as hard because every stressor I feel more significantly on the back end, and I think nutrition can be a stressor. When you’re eating like shit, I think you’re stressing your body in a different way. And so if you’re eating like shit, it will affect you more as you get older than when you were younger and you could just deal with it and not even notice it.

0:08:12.1 Mike Vacanti: I’ve found that to be true as well. Yeah, you’re spot on. There’s also an element that I’ve noticed, like a weird psychological justification around, if I eat more, then I can put those calories to good use on a higher volume, heavier training session, “Eke out more muscle gain, ” have better performance because I’m in a surplus, and then after that workout, justify wanting to eat more because I’m like, well, that was an incredible training session, what am I going to do, be in a deficit today? Absolutely not. Just did 30 sets in a single workout. Like, why would I do that? So, yeah, it’s an interesting pattern around junk food and excess caffeine that I have just recognized, I’m gonna nip in the bud.

0:09:09.5 Jordan Syatt: What’s your ice cream intake been like recently?

0:09:12.3 Mike Vacanti: Like, none.

0:09:13.2 Jordan Syatt: Wow.

0:09:13.8 Mike Vacanti: Yeah. Yasso bars here and there.

0:09:16.2 Jordan Syatt: Those are great.

0:09:17.1 Mike Vacanti: They are great.

0:09:17.9 Jordan Syatt: Food science is incredible.

0:09:19.4 Mike Vacanti: It’s too good. I would like it to take a few steps back, but I don’t think there’s any putting the genie back in the bottle at this point.

0:09:26.1 Jordan Syatt: No.

0:09:26.6 Mike Vacanti: Yeah, they’re delicious and there’s nothing wrong with them, obviously.

0:09:29.4 Jordan Syatt: But it sets the bar for what taste and mouth feel is, like, supposed to feel like. So it’s like, that is such a great-tasting, very palatable, lower calorie, higher protein option that it then… Like, anything that doesn’t taste that good is like, well, why would I eat that when I could just eat this and have it taste so good and feel so good? I think it fucks with our perception of the norm.

0:09:55.4 Mike Vacanti: 100%, it’s hedonic adaptation of, like, science-created foods, essentially.

0:10:04.4 Jordan Syatt: Which is amazing and bad at the same time.

0:10:06.4 Mike Vacanti: Yeah, it’s amazing and impressive. I think it’s net bad. Yeah.

0:10:13.1 Jordan Syatt: I think it’s good for people who, like, have good control of their nutrition overall, they do eat mostly unprocessed foods. 

0:10:20.9 Mike Vacanti: Who? Who in the West?

0:10:22.9 Jordan Syatt: Me.

0:10:23.8 Mike Vacanti: All right. Who that… [chuckle] You have to put a caveat on that.

0:10:28.5 Jordan Syatt: Yeah, of course. I mean, like, if someone’s eating the entire box of it and they’re also eating just like shit in general. That’s the issue is it’s got this health halo around it too, where it’s like, well, it’s healthy, so I’ll just eat the whole box. It’s like, okay, that’s not good.

0:10:40.9 Mike Vacanti: But I think that the food science is in large part responsible for the need for GLP1s in the West.

0:10:48.9 Jordan Syatt: Yeah. Oh, yeah, yeah, yeah, absolutely.

0:10:50.8 Mike Vacanti: I think that that “Problem” just created that “Solution.” And so when I say who, I mean, obviously there are people whose nutrition is really under control. Yes. But what? 70 plus percent of people are either overweight or obese in America. There aren’t a lot of people who are super dialed on their nutrition with…

0:11:14.4 Jordan Syatt: Correct.

0:11:16.4 Mike Vacanti: In the dopamine episode, I will die on this hill. I think our atmosphere, our environment, not just around food, but around technology, around substances, around other “Addictive things, ” or even just like cheap dopamine things are… The availability of them is making it more difficult to adhere to a better nutrition regimen, combined with a million other factors, of course.

0:11:45.6 Jordan Syatt: I agree. Also, I’m just going to play devil’s advocate because it also does… I don’t know if I spoke about that with you, but Dr. Danielle Belardo came on the podcast and she told me about these, like, edamame noodles. I don’t know… Did I talk to you about this? 

0:12:00.3 Mike Vacanti: Mm-hmm.

0:12:01.1 Jordan Syatt: Okay. So it’s basically like making pasta out of edamame. And it’s not like you go into an Italian restaurant and have the best pasta of your life. It’s not like the most delicious… It’s not like the most amazing pasta, but it’s good pasta. It’s pasta made out of edamame. Stupid high in fiber, stupid high in protein. It’s like outrageous. One serving has like 20 grams of fiber and like 40 grams of protein. It’s insane, because it’s just straight up edamame turned into noodles. And it actually does taste… It tastes good. Not like incredible pasta at your favorite Italian restaurant, but it’s good. And so you have the food science that is creating highly palatable, highly processed, very, very, very objectively bad for you foods, and then you also have the other side of it that is making other health options that are now more easily accessible. You now have a pasta alternative that is high protein, high fiber, that can make it more accessible. I do think that there’s a bigger market for the junk options, and that they are making way more money.

0:13:14.4 Mike Vacanti: You mean more demand?

0:13:15.6 Jordan Syatt: Yeah, there’s more demand for the junk and for like the Doritos and the chips and the donuts. There’s just more people buying that stuff. But also, I do… I mean, even looking… You go into a 7-Eleven now or a gas station, whatever it is, we got Greek yogurt in there and we’ve got… You’ve got protein bars and you’ve got more health options now because of this stuff in everyday markets and food stores than we did when I was a kid. I mean…

0:13:46.8 Mike Vacanti: 100%.

0:13:47.6 Jordan Syatt: I remember when I started coaching Gary and I was in the airport and I was like, man, they have a lot of really great, relatively quick and easy health options in this place that just didn’t exist in those places before 10, 15 years ago.

0:14:01.0 Mike Vacanti: I wouldn’t even say you’re playing devil’s advocate by making that… I think that’s a really good point. And we have to recognize the health benefits that food science have brought. What were we talking about? Within the last month or two, we were talking about an example of a food that’s so… It might have been one of the yogurts, that’s like one of those Oikos, like 15 or 20 plus grams of protein, not many calories…

0:14:26.0 Jordan Syatt: Oh, yeah, Oikos Pro. Yeah.

0:14:27.8 Mike Vacanti: Absolutely delicious. Yeah, you’re 100% right. I just think that for every edamame noodle, there’s like 50 nerd clusters or Reese’s…

0:14:42.7 Jordan Syatt: Yeah, you’re right.

0:14:43.9 Mike Vacanti: Peanut butter cups on steroids, that in addition to all of the other cheap dopamine in our environment, is making it very difficult to compete as an individual.

0:14:57.6 Jordan Syatt: Completely agree. Yeah, I completely agree. There’s no arguing that.

0:15:01.4 Mike Vacanti: Yeah.

0:15:01.8 Jordan Syatt: I mean, you go to a grocery store, any food store, any store with food, they’re not… The first thing you see when you walk in and the last thing you see when you’re checking out isn’t health food options. It’s the candies, it’s the chips. It’s the first thing you see, it’s the last thing you see, it’s the most readily available, it’s the… Typically, the cheaper, less expensive options. Edamame noodles are fucking expensive. The Snickers bar is pennies on the dollar. It’s just… Yeah, 100%.

0:15:34.8 Mike Vacanti: Well, we’ll keep battling. All right, you got your three things?

0:15:38.4 Jordan Syatt: I’ve got one big one.

0:15:39.8 Mike Vacanti: Oh, okay.

0:15:40.6 Jordan Syatt: Peace in the Middle East, bro.

0:15:41.8 Mike Vacanti: Oh, yeah, let’s go.

0:15:43.0 Jordan Syatt: The Trump deal.

0:15:44.0 Mike Vacanti: Let’s go.

0:15:44.6 Jordan Syatt: Which I’ve already discussed it and some people get upset. I don’t care what you think of Trump. This president has done what not a single US President has ever been able to do in the Middle East, ever. And it’s partly because I think he just says wild shit. He’s literally said, I will bomb the shit out of you. But, like, there’s a huge cultural difference between the United States and Western nations and the Middle East. And they respond to, not peace through discussions, but peace through strength. And what he was… I spent this weekend and a lot of yesterday going through, step by step, the 20-point plan that him and his administration created between Israel and Gaza, the Palestinian Authority, but also the surrounding Arab nations, Turkey, Egypt, Qatar. It’s genius. It’s actually incredible what they were able to do. And obviously, I’m not privy to the conversations and what was done behind the scenes and who had to strong arm who and what had to happen. But the actual 20-point plan is… It’s a work of art and it is genius. And it really is objectively a very fair humanitarian agreement for all humans involved. The only people who are upset about it are Hamas and Iran. But that’s it. It’s actually incredible.

0:17:19.1 Mike Vacanti: Yeah, it’s… Look, obviously you’re lightyears more educated on that topic than I am, so…

0:17:27.0 Jordan Syatt: It’s just cool. It’s interesting that we now have a ceasefire. We have the potential for real peace now. God willing, it happens. But the people who’ve been chanting, “Ceasefire” now for the last two years are very quiet. 

0:17:45.7 Mike Vacanti: They are, man.

0:17:46.8 Jordan Syatt: They’re not saying anything. If you’ve been out on the streets or posting, we want a ceasefire, we want a ceasefire, but you haven’t been celebrating a ceasefire, might want to check what’s going on in there.

0:18:00.3 Mike Vacanti: A lot of that is, what, partisan politics? Like, they didn’t…

0:18:05.7 Jordan Syatt: No, it’s just people who think that they’re educated because they’ve seen TikToks…

0:18:10.3 Mike Vacanti: What I mean is, they would have liked the plan better if the plan came from someone who they liked?

0:18:17.3 Jordan Syatt: No, no, it’s actually not about that. I see where you’re going with this, because… You think it’s because they don’t like that Trump was the one that initiated it. It’s actually been interesting, even CNN, MSNBC, typically very anti Trump, they’ve all been giving him credit. It’s actually been really cool to see, being like, hey, well done, this was incredible. Biden didn’t do it. Arguably, or not arguably, made it much worse than it had to be. And he came in and in under a year, he’s… It’s actually incredible. So it’s not that, it’s more the anti Israel sentiment. It’s just like, they said that Israel was committing a genocide and that Israel is doing all this. And the truth is, if the “Genocide” stops when you release the innocent hostages, then it wasn’t a genocide. If all you had to do was release the hostages… And then they also don’t like… Hamas officially released the numbers of the total people killed. About 68,000 people were killed. And they also released that 58,000 of the people killed were Hamas combatants, were militants, which means…

0:19:32.1 Mike Vacanti: Oh, really?

0:19:33.4 Jordan Syatt: 58,000 of the 68,000 or 69,000 were militants, which makes it about a 6:1 combatant to civilian ratio, which is unheard of, unprecedented in modern urban warfare. Which means that if it was a genocide, it requires the deliberate targeting of innocent population. And the reason this war has dragged out for two years is because of the precision and because of the deliberate methodical attempts by the IDF to not target civilians. And it doesn’t… Like, there have been about 10,000 innocent civilian deaths, which has been horrific, every single one of them. But to call it a genocide is so overwhelmingly wrong. And also, by the way, it’s a spit in the face of the actual genocides happening right now. There have been over 100,000 innocent Christians being slaughtered in Nigeria right now by Boko Haram. Not a word from Western media. 100,000 innocent civilians slaughtering men, women and children. I mean, and that’s just one we could look at. All around the world, there are legitimate genocides going on, but…

0:20:48.1 Mike Vacanti: Yeah, the thing about that 6:1 ratio that I learned from you is this isn’t like your 1700s Revolutionary War lineup on both sides and it’s all armed servicemen who are shooting at one another. Hamas built their bases in tunnels, under schools, under hospitals. They had a strategy of immersing themselves within civilian population to hopefully avoid, I don’t know, getting attacked.

0:21:26.3 Jordan Syatt: No, it was because they know that if their innocent civilians die, then it’s better for them in the PR campaign.

0:21:32.6 Mike Vacanti: Interesting. Yeah, that makes sense.

0:21:34.6 Jordan Syatt: Which by the way, there’s now horrific violence in Gaza, Hamas trying to kill innocent civilians now. The IDF isn’t there anymore. They’ve pulled back, they’ve retreated. Part of the 20-point plan is now there’s an… It’s called an ISF, an International Stabilization Force with military from surrounding Arab nations who are going in to try and facilitate peace within Gaza. And there are other factions now that hate Hamas that are teaming up to try and get rid of Hamas. But Hamas is publicly executing its own civilians. One of the Israeli hostages was talking about how one of his guards was asking him, he’s like, why do you Jews value life so much? Like, why do you care… Because in their mind, in their ideology, death… It’s a death-driven ideology. And I’m not talking about Islam, I’m talking about radical Islam. It’s very different. And they are okay sacrificing their lives for what they believe to be the greater good and they understand that the more innocents that die, the more people will turn on Israel. It’s a strategy and it has worked incredibly well for Hamas and for radical Islamists.

0:22:49.4 Mike Vacanti: Well, hopefully this works and the ceasefire holds and there is peace for…

0:22:56.8 Jordan Syatt: God willing. Amen.

0:22:58.0 Mike Vacanti: An extended amount of time, would be incredible, if not indefinitely.

0:23:02.1 Jordan Syatt: Agreed. I mean, if it holds forever, that would be incredible. And I hope that the Palestinians in Gaza are able to have a democratic election in which they vote a great organization of people who are Palestinian to take control and educate them and take all of the billions of dollars that they’re going to be given and that they’ve been given to create peace and to establish peace within themselves and also with Israel. I think we saw Israel pull out in 2005 and things were… I mean, Israel just said, hey, we’re leaving. We’re going to take 10,000 Israeli civilians out of their homes. We’re going to rip up all the Jewish cemeteries. We’re going to take every Jew out of Gaza. You have it. It’s up to you. The issue with… There were many issues with that, but it was such a gift that I don’t think many understood how good it was, especially Hamas, when they’re like, well, they just don’t believe Israel should exist. It’s in their charter, like we’re just going to… So then they started firing rockets. Now, in hindsight, after two years of devastating war devastating Gaza, many innocent Palestinians are like, we just want peace. We just want peace. So hopefully, they can now vote someone in who will truly work for peace and for education and for cooperation between innocent Israelis and innocent Palestinians.

0:24:29.3 Mike Vacanti: That would be good. All right, I got a question here. Hey, guys, appreciate the podcast. I look forward to it every week. Love listening to you guys talk all things business and current events. This is from Andrew, by the way. What’s up, Andrew?

0:24:42.1 Jordan Syatt: Shout-out to Andrew. 

0:24:43.9 Mike Vacanti: Andrew says, “Quick question. What are your thoughts on having a family as an independent contractor? And how do you reconcile things like health insurance coverage if your spouse is also a 1099? ” Advice I’ve been given from someone I respect is, “If you can 3 or 4x your current income working for yourself, then paying for your family’s health insurance is the cost of doing business.” I seem to agree with this logic, but I wonder what you guys think about this topic.

0:25:10.4 Jordan Syatt: Do you want to start?

0:25:13.0 Mike Vacanti: Sure. It’s a great question. It’s definitely one of the downsides of being self employed compared to being a W2 worker or working at a job where you get health insurance benefits. I believe it’s pretty massively overstated though. And what I mean by that is, a few things. One, in most jobs, you’re paying something for your health insurance coverage. The company is providing a plan for you and you get to select the level of the plan, but some money is coming out of your paycheck for health insurance. You don’t see it coming out of your paycheck, so you’re not thinking like, oh, I’m paying this much per month for health insurance, but you’re paying something for health insurance. And so that’s something that a lot of people simply don’t factor in. Now, it might only be 150 bucks a month or 200 bucks a month or up to 300, 400, $500 a month depending on how many people are in your family, what kind of plan you have. But you need to consider the fact that even when you’re a W2 worker, you’re very likely paying something for your health insurance. Two, when you are self employed and you’re paying out of pocket for health insurance, number one, I’m almost certain those premiums are tax deductible, if…

0:26:39.8 Mike Vacanti: I don’t know if 100% of them are tax deductible, but there might be like a minimum threshold. I think that’s actually for out-of-pocket medical payments, actually. So I do think premiums are a deduction, so that works in our favor. You can shop around for health insurance and it’s not necessarily as expensive as you might think it is. I’m not going to share details of my situation, but we’re both self employed, we both have our own health insurance that isn’t through a company. And it might not be as high of quality of insurance as you would get through a company, but it’s reasonable and not that expensive. So Andrew, I think the person who said, if you’re 3 or 4x-ing how much money you’re making, it’s like a… What did you say? It is like a cost of doing business. I think you can make way less of a multiple as a self-employed individual and still come out ahead on the health insurance, the difference that you’re paying in health insurance.

0:28:03.6 Jordan Syatt: You gave a much better answer than what I was going to say.

0:28:06.5 Mike Vacanti: What were you going to say?

0:28:07.4 Jordan Syatt: I was going to say, health insurance sucks.

0:28:09.3 Mike Vacanti: Yeah, that too. Insurance sucks.

0:28:11.9 Jordan Syatt: It’s just so bad, and I don’t have experience of getting it through a company, I just never had that. I’ve just always had it through myself except when I was on my mom’s, before I was 26, which she got through her company. And so my only experience is doing it as self employed, and it’s just sucked every step of the way trying to find an affordable one which is unbelievably difficult. And when I say affordable, I mean under $1,000 a month that also has good coverage and also is, like… It was terrible in New York City. It was so bad in New York City, I could not find a good doctor. It’s been better in Texas finding a doctor that is a higher quality doctor, someone that actually cares and is listening and is up to date and you don’t feel like you’re getting rushed out of the office, in addition to not just over $1,000 a month. I’m not nearly as educated as you on that topic and I don’t have as much of a nuance to provide other than, it’s a real bitch. And the number of hours and hours and hours searching for health insurance, dealing with health insurance claims, just like… It’s been a nightmare.

0:29:41.3 Jordan Syatt: And I do think that speaks to the system as a whole rather than just being self employed or not, but I just… I hate it. I absolutely hate it. And what I would say is this. I think that if you work for a company, they can make it easier and more convenient for you. You are paying for it. It’s coming out of your paycheck, so you’re not seeing it, which I think can be psychologically beneficial in some ways, because when you’re paying for it every month out of your own pocket and you see it coming out and you’ve done all… Like, you’re trying to figure it out, I think it’s just draining. It’s more mental and emotional energy. But I think the benefit of owning your own business and working really hard on it and the potential freedom, not just the freedom in the way we think about it, but the freedom to say what you want to say, speak how you want to speak, work in the capacity that you want to work, is worth that struggle with health insurance. So finances aside, if you can swing it and make it work, I think it’s worth it. But I’m just speaking for me personally and I know you would probably consider that… You would agree with that as well, Mike. But if you’re a person who…

0:30:56.8 Mike Vacanti: Yeah. Health insurance is a huge pain, no matter who’s providing it. 

0:31:01.4 Jordan Syatt: Yeah. 

0:31:02.6 Mike Vacanti: They’re going to screw up, you’re going to be on the phone with the insurance company, they’re going to tell you it’s going to take them 45 days to get back to you. They’re trying to adjust the claim. The hospital’s sending you bills, you’re telling the hospital the bill’s not right, you’re dealing with your insurance company. It doesn’t matter where it’s coming from, it’s a huge racket. And yeah, I do agree with what you said, that the potential upside of having your own business not only justifies paying a bit extra for health insurance, it justifies it times 100,000. 

0:31:37.6 Jordan Syatt: Yeah.

0:31:38.5 Mike Vacanti: It’s… Yeah. But if money’s super tight, then working a job where you get health insurance while you grind nights and weekends to build your thing on the side, until that has enough revenue where you feel like you can comfortably make the jump, that’s one way to do it. And more power to you if you elect to go that route. But yeah, I would shop around… Because insurance is inherently negative EV, meaning… EV is like a statistical… Expected value is a statistical term that means that the sum of your premium payments will exceed how much benefit you get from the insurance company when you run the simulation an infinite number of times. You might, n equals 1, have some insurance with a 10,000 a year deductible, and you get smashed with a bunch of different cancers and the insurance company ends up paying millions of dollars. That happens, where the insurance was worth it. But when you look at a population level, insurance companies wouldn’t exist if they weren’t making money, meaning it’s a good deal for the insurance companies. In my mind, health insurance is great for black swan protection, meaning the very rare event that is really awful and really expensive.

0:33:15.2 Mike Vacanti: That’s why you want insurance. So I’m partial to a low premium, high deductible insurance. I also am not, like, going to the doctor every week and… There are people who use the medical system more than I do, whether it’s because they just want to, or because they have health issues that cause them to have to. So, you gotta make the decision that’s right for you. Maybe paying more in monthly premium so you have a lower annual deductible makes sense. But talk to ChatGPT or Grok and, like… You put in 10 to 12 hours upfront shopping around and figuring out the insurance plan that makes sense for you, I believe you and I are both paying like three digits for our families for health insurance per month, less than $1,000 a month, which I think is reasonable. Yeah, but insurance in general is a huge pain. Getting them to pay out claims, in my experience, is sometimes not fun.

0:34:22.1 Jordan Syatt: Yeah. I know a lot of people are angry at big Pharma, I think insurance is the fucking problem. [chuckle] I feel like insurance, based on what you just said, is like, they’re the house, they’re the casino.

0:34:34.9 Mike Vacanti: Yeah.

0:34:36.6 Jordan Syatt: The house always wins. The casino always… It’s just like, we’re gambling and… It’s sort of a gamble and you’re hoping that nothing bad happens, and if it does, hopefully they’ll be there to cover you. I would imagine that you get all these… This black swan event, all these cancers, and you’re still gonna have to fucking fight with your insurance.

0:34:55.3 Mike Vacanti: Exactly.

0:34:56.2 Jordan Syatt: Even when you’re dealing with the worst of the worst of the worst, they’re still going to be like, well, no, we’re not going to cover… Like, dude, I fucking hate the insurance world. I hate it.

0:35:06.0 Mike Vacanti: Yeah, yeah.

0:35:07.2 Jordan Syatt: And it doesn’t provide any helpful context to the question, but I just… I can’t hear insurance without getting furious.

0:35:14.2 Mike Vacanti: I think some people mentally think of corporate… The insurance you get as a W2 worker being this unbelievable free asset, and then when you’re paying out of pocket self employed that you have to pay $2,500 a month, and like… It just doesn’t have to be like that.

0:35:33.3 Jordan Syatt: Yeah, yeah, that makes sense.

0:35:35.1 Mike Vacanti: The gap between the two is more narrow. So when Andrew said you make 3 or 4x a year self employed over W2 justifies it, it’s like, no, if you’re making 50% more per year, I think it could justify it, especially if you… The reason most people get into fitness and personal training in the industry isn’t to get rich. I mean, now, sadly, some people do, like…

0:35:58.9 Jordan Syatt: Yeah. A lot, yeah.

0:35:59.2 Mike Vacanti: In the last several years, yeah. Although not that many that listen to us and that apply for the mentorship…

0:36:05.4 Jordan Syatt: That’s true. The mentorship is… Yeah.

0:36:06.2 Mike Vacanti: Way more, like, trying to become better coaches than we do, I want to be a guru and be a millionaire immediately. So, yeah, even if you’re making double or 1.5x what you are…

0:36:21.3 Jordan Syatt: Still worth it.

0:36:22.0 Mike Vacanti: Working a job you like more. You know what I hate more than the health insurance thing, is the 7.5% self employment tax you gotta pay, because you gotta pay the… 

0:36:30.9 Jordan Syatt: Preach.

0:36:31.0 Mike Vacanti: Employer and employee portions of social and Medicare, Medicaid, all that. That hurts even more.

0:36:40.5 Jordan Syatt: Yeah. No, you’re right.

0:36:42.2 Mike Vacanti: 7.5, that’s capped at like 120 or something. So yeah, I mean, they both stink. But the fact that we get to work jobs that we enjoy, as someone who worked two years in public accounting, it’s like… It’s a no brainer.

0:36:59.1 Jordan Syatt: Yeah. You have that context too, really.

0:37:01.2 Mike Vacanti: Yeah. But you pointed out something that I didn’t even think of, which is freedom, and not freedom to answer your client emails on a beach while you sip a Mai-Tai, because that doesn’t actually exist unless it’s in the marketing materials for, like, dev centers that, like, whatever… The real… Not the real. One of the benefits is you don’t have to put on a mask to go to work.

0:37:26.2 Jordan Syatt: Yeah.

0:37:26.8 Mike Vacanti: You don’t have to kiss your boss’ butt and make nice with people who are trying to stab you in the back and play politics to try and climb the corporate ladder and get raises and promotions based not on merit, but based on schmoozing. You can just go out and execute and the market will tell you how much they want to pay you.

0:37:47.4 Jordan Syatt: Yeah. I’m not going to say who because I don’t want to give any clues, but I just had someone on my podcast who, before we recorded, said, hey, I cannot talk politics, because this person has a job that is… They’re employed by someone else. And other people in this profession have lost their jobs because they’ve spoken about politics. And it’s just like, you’re not free. I mean, technically you are, because you could and then you could lose your job, and that’s part of freedom. But, like, if you feel like you can’t speak on something without fear of losing your job, you’re not free. You’re just not.

0:38:30.0 Mike Vacanti: That’s why I love this podcast.

0:38:31.4 Jordan Syatt: Just say whatever.

0:38:32.6 Mike Vacanti: That’s right. Talk about whatever we want.

0:38:35.4 Jordan Syatt: Okay, here’s an interesting one. “I’ve been following you for a while, and I love your outlook on life and how you speak about God and your faith. I’ve been struggling lately surrounding grief, fears about death, almost to the point that I’m scared of living. I’ve been going to church and leaning into God, but since having an early miscarriage this year and seeing all the shootings and violence in the world, I’ve just been so fearful. I’d love to hear if you’ve ever struggled with fears of that sort and how you overcome it.”

0:39:00.9 Mike Vacanti: You want to lead us off?

0:39:02.0 Jordan Syatt: Yeah, I’ll start. I want you to chime in as well. I love the question. I didn’t see that one earlier when I was going through my Q&A. It’s a great question. Yep. Yep. I’ve been actually having in depth conversations with Grok about if or when I should move my family to Israel because of the drastic rise in antisemitism. And especially here in the US, it’s been insane. And I was actually… I asked Grok last night, I was like, can you… Because I saw a number of posts on social media. Someone sent me some… Actually, it was Danny Matranga. He was like, he’s been seeing… He’s like, dude, the anti-semitism online is crazy right now. He sent me this one dude’s Instagram account who’s literally spewing just like Hitler-level prop… Like Hitler, and he dresses up as Hitler. And he’s like, this man knew it was right, and just saying the most wild legitimate Hitler propaganda and anti-semitic nonsense. So I asked Grok, I was like, based on engagement rates for certain posts and based on what you’re seeing across the United States, what percentage of the United States do you think actually believes in severe anti-semitic conspiracy theories? And Grok was like, based on engagement rates, based on posts, based on all this, it looks like right now probably between like 23 and 25%, which is…

0:40:31.6 Mike Vacanti: What?

0:40:32.9 Jordan Syatt: Yeah, which is insane. And so I was like, listen, I also had the conversation of, do you think now is the time to move? And Grok said, listen, just because they believe this doesn’t mean that all these people are going to be taking violent action in the immediate future. Not to mention, obviously, it’s not like you’re trading danger for 100% safety by moving to Israel right away. They have their own issues and face their own imminent threats, which is true. But it is very scary, and which is why I’m volunteering as a security guard at my daughter’s school. It’s very, very, very scary. So, yeah, I deal with that literally all day, every day. It is a constant fear.

0:41:24.2 Mike Vacanti: And you and I spoke about this on the phone the other day and we broke it into the… It’s almost like stock prices are not necessarily just reflective of what that company has accomplished, it’s also built-in expectations about what is coming in the months and years to come factored into a stock price. You’re not just looking at physical anti-semitic attacks on US soil in the last three months, six months, two years, five years. You’re also looking at the overall conversations, dialogue, shift in…

0:42:07.3 Jordan Syatt: Yeah, correct.

0:42:08.8 Mike Vacanti: People with certain beliefs and forecasting potential future physical dangers.

0:42:16.9 Jordan Syatt: Yeah, that’s exactly right.

0:42:18.5 Mike Vacanti: Because then we were trying to pull apart, like, what percentage of our differences on this is around inherent fear as a personality type, versus actual…

0:42:36.2 Jordan Syatt: Data-based, actual… 

0:42:38.2 Mike Vacanti: Well, just the amount of violence against various groups in the US.

0:42:42.3 Jordan Syatt: Yeah. So, to answer the question, I’d love to hear if you’ve ever struggled with fears of that sort and how you overcome it. Honestly, I struggle with it every day, and I haven’t overcome it. The best thing I can do is keep living and do my best to try and bring God’s light to this world and to do my best to surround myself with a strong, supportive community. Try and do whatever I can to keep my family and my community safe. I know being on social media is one of the worst things because you just see this stuff all the time and you just get dragged into this cesspool of horrific, horrific, horrific things. So, yeah, I really think that for my own mental health, spending less time on social media and playing chess has been really good for me. And also, being with my community in person and also learning how to defend myself and my family and my community. We’re in the training right now for this volunteer security program, and we’re doing more… This program, which is just unbelievably well organized, has more strict requirements than the FBI in terms of what it takes to be… By the end of this, I’ll be certified through the State of Texas as a security guard and actually get insurance through the state. But the requirements to pass this program are more strict and stringent than… What does it take… Like, the basic FBI intake or field test.

0:44:25.5 Mike Vacanti: Wait, you’re gonna be getting health insurance as a result of this?

0:44:27.5 Jordan Syatt: It’s not health insurance, it’s like some type of special… If, God forbid, killed on the job. It’s like a special type of… 

0:44:37.1 Mike Vacanti: Hmmm, like a life insurance.

0:44:38.5 Jordan Syatt: Security guard insurance. Yeah, yeah. And I have life insurance outside of it, but yeah, I don’t fully understand it. But yeah, I think the best thing you can do is probably get off social media and focus on what you can actually control in your real life. And also, do everything you can to protect yourself and your family, unapologetically. And I think that means learning how to safely and properly handle a firearm, store them safely and properly in your home, take courses. And by the way, that’s not… I think I’m more scared of my daughter choking on food than of an active shooter situation, so you should also learn CPR. You should also learn the Heimlich maneuver, which I believe they changed their name. I think you should be very well versed in all things you need to do. I think you should learn how to dress a wound, like stop bleeding. These are all things that are… And by the way, that’s not just from a bullet wound, but like God forbid you slice yourself with a knife when you’re cooking.

0:45:46.9 Jordan Syatt: You should know these basic first aid skills. You should know basic self defense. You should be aware of… You should be aware of all these things, not put your head in the sand. But if you’re scared of these other events which are statistically far less likely, I think it’s still a valid fear and you should also be preparing yourself for other scenarios that are probably far more likely and you don’t see as much on social media.

0:46:14.8 Mike Vacanti: Good advice. A lot of really good practical stuff in there. I completely agree on the… Not the root of it, but the amount of time you spend online versus in person interacting with people is massive for your perception of the world. And so I think she said that she’s going to church, praying, reading the Bible. I think all of those are amazing things to do. I think in addition to simply going to church, sticking yourself into a community somehow, whether it’s a small group thing, any kind of in-person interactions with real people, face to face, instead of consuming the most fear inducing… This is a separate conversation. I don’t think that we as humans are designed or even able to digest all of the negative information that’s happening in the world. And that’s what this technology has given us. At no point in human history could we do this. We knew about our community, we knew about the people around us. We didn’t know about every evil atrocity going on in every part of the world, bubbling up to the top of the algorithm. And so, I get that not everyone’s algorithm is like that.

0:47:51.9 Mike Vacanti: Mine tends… Like, trends more that way than most. But getting off your phone, consuming less social media, spending more time with people in person, I think will help. And I think in terms of the fear of death, I think what you are doing, which is seeking truth, will lead to answers on that front. There’s, in this real life, things that we can do to extend our lifespan and health span to live a great life. But then there is also, and I would say that’s more like for the physical body, and then what this woman described, which was going to church, reading the Bible, praying, is tending to the soul. And I think that’s another equally/more important thing to do that will lead to truth, that will help you deal with the fear of death that you’re dealing with.

0:49:02.3 Jordan Syatt: Yeah. Also just to note, the miscarriage part. Incredibly sorry for your loss. I can’t even imagine. It’s just… And I will say I appreciate you saying it. They’re far more common than I think people realize. I think it’s like one in three.

0:49:20.1 Mike Vacanti: Like a third. Mm-hmm.

0:49:21.7 Jordan Syatt: Yeah, one in three pregnancies or one in three women will experience it. One of those. Not one in three pregnancies, I think one in three women will experience a miscarriage.

0:49:30.9 Mike Vacanti: That sounds right.

0:49:32.1 Jordan Syatt: And just devastating.

0:49:35.7 Mike Vacanti: Yeah.

0:49:36.2 Jordan Syatt: And I can’t pretend to understand what that feels like, or… But I can say that all the… Everything that you’re feeling makes sense and doing everything you can to focus on you and your family and community, and like Mike said, tend to the physical and to the spiritual. I think they’re both equally important.

0:49:55.2 Mike Vacanti: Yeah. Really sorry for your loss.

0:49:58.0 Jordan Syatt: So this is another question. A fair amount of these in this Q&A, which I think is telling of the time that we’re in. Someone said, “how do you emotionally and spiritually handle really annoying political co-workers? “

0:50:11.8 Mike Vacanti: I’ll answer first, because it’s quick and many would say it’s impractical, but I would quit. [laughter] I’d quit my job. 40 to 50 hours a week, you’re spending more time with these people than you’re spending with your own family members. And for them to be people who you… How did this person describe them? Very annoying?

0:50:43.5 Jordan Syatt: Really annoying political co-workers.

0:50:45.5 Mike Vacanti: Yeah, I would quit. I’d find a different job, honestly.

0:50:48.5 Jordan Syatt: I wasn’t expecting that.

0:50:51.5 Mike Vacanti: Well, I did… It had nothing to do with politics, but I lived in corporate culture. And I’ve told this story, in the busy season when I was on site at the client’s office, when everyone was gone except the audit team was still there, at 8 o’clock at night in January, I’d go for a walk in this giant, enormous building. It’s a Fortune 30 company that I was auditing. And there was a picture, like a giant 12 foot by 10 foot mural of a farm. And I would just go stand in front of it and look at it for like five minutes, [chuckle] say I was going to the bathroom, and I would fantasize about being a farmer and just not have to deal with the monotony and the BS and the politics of corporate culture. I would… Yeah, quit your job. You can give a better answer, Jordan, that gives some real…

0:51:49.3 Jordan Syatt: I mean, I was gonna give the advice that you gave me, which is, don’t kill the cash cow right off the bat.

0:51:54.9 Mike Vacanti: Murder the cash cow. There are some times where you gotta just…

0:51:57.8 Jordan Syatt: I mean, it depends. Like, if you’re dependent on the finances, don’t kill the cash cow. If you’re not dependent on the finances, then prioritize your mental and emotional well-being and quit. In the meantime, I will tell you what I would, in my ideal world, I would like to do. And I’ll also tell you what, in my practical world, what I would actually do just knowing myself. My ideal world would be me just not caring and just, it is what it is, not… Just like, hey, whatever, deal with it. Not a big deal. You can believe whatever you want, it doesn’t really bother me. And my actual real world of what I would actually do is I would debate them furiously. And when I say debate them furiously, I would… Not yelling or screaming, but I would stand my ground and I would be very blunt and lead them into conversations, and hopefully they quit. [chuckle] It’s sort of like… What’s that movie where it’s like… It’s a old movie. I don’t even think I ever saw it. I just remember it’s like, How To Lose A Guy In 10 Dates or something.

0:53:08.3 Mike Vacanti: 10 days.

0:53:09.4 Jordan Syatt: 10 days?

0:53:09.9 Mike Vacanti: Kate Hudson, Matthew McConaughey.

0:53:11.8 Jordan Syatt: Yeah. Never watched it. But I think the premise is just trying to make yourself seem so unappealing that the other person breaks up with you. And so rather than you being forced to leave because you don’t like the environment, just stand for what you believe in, and who knows, maybe they’ll leave. Because if you just let them walk all over you, then they’re winning. But if you stand up for what you believe and you’re like… Be respectful and kind. Hey, this is what… Listen, you’re welcome to your opinion. Here are my thoughts. Here’s why I disagree. They’re not gonna like that. And maybe they’ll be like, you know what? Fuck it, I’m out. I can’t deal with this annoying political co-worker. And then, great. Then they’re gone because you just said what you believe.

0:53:53.6 Mike Vacanti: I like that. The unfortunate part is at this widget factory where you have people who are… The goal of the company is to make widgets and… There shouldn’t be annoying political discussion in that environment. I don’t think it has any place. If I’m the boss…

0:54:14.8 Jordan Syatt: I agree. 

0:54:15.7 Mike Vacanti: If I’m the boss and there are like two of my subordinates who instead of doing their work, they’re having political debates on the clock, what are you guys… 

0:54:23.5 Jordan Syatt: You’re both fired. 

0:54:24.3 Mike Vacanti: Yeah, what are you guys doing? That’s not why you were hired here. 

0:54:26.7 Jordan Syatt: Yeah.

0:54:28.0 Mike Vacanti: So you said… I actually don’t even know what you said, but the fact that this is a very annoying person is what makes it a discussion. If this was just, I work with someone who has different political beliefs than me, cool. 

0:54:43.4 Jordan Syatt: Whatever. 

0:54:44.1 Mike Vacanti: Get along with them. Great. 

0:54:45.5 Jordan Syatt: Yeah. 

0:54:47.0 Mike Vacanti: This is America. Because you said very annoying, I assume this person is, like, leading every conversation in that direction, constantly bringing up politics, constantly trying to argue with people.

0:54:56.8 Jordan Syatt: Imposing their beliefs on you. Yeah, that’s a big issue.

0:55:00.5 Mike Vacanti: Yes, yes. Correct.

0:55:02.3 Jordan Syatt: Yeah. If they’re… Yeah, it’s really the annoying part of it that sucks. If they just have different political beliefs, I would say go out to lunch with them and have a conversation about it, and oftentimes that will lead to a good outcome. But if they’re annoying and there’s no way that they could potentially see that it’s okay to have differing beliefs, well, that’s a entirely separate conversation.

0:55:23.3 Mike Vacanti: I don’t even know if, like… Yeah, on a personal level, you can go have lunch with them and get to know what they believe better. But I don’t know if it’s necessary or if it… Like, what’s the benefit? Not for the individual, for the company.

0:55:41.6 Jordan Syatt: For the company. I could see the benefit of the company being…

0:55:45.6 Mike Vacanti: Stronger relationship between the co-workers?

0:55:47.9 Jordan Syatt: Stronger relationship, better understanding, and… This is in an ideal situation, where it’s like…

0:55:51.4 Mike Vacanti: If it leads to that, yeah.

0:55:52.9 Jordan Syatt: If we get it out, if we just have a full-on conversation, not one that’s interrupted by work, not one that it’s just a little bit here, a little bit there, but hey, let’s just go learn about each other’s past, learn about who we are, see why we believe what we believe, then maybe I’m going to stop imposing my shit on you and stop just assuming you should believe what I believe, and I might end up being more productive in the workplace.

0:56:17.6 Mike Vacanti: Yeah, yeah. Okay, I can see that.

0:56:21.0 Jordan Syatt: A lot of it is just understanding where they came up. What were they brought up with? What’s their background?

0:56:26.0 Mike Vacanti: Knowing the average American, what percentage of the time do you think that lunch ends in a super beneficial outcome versus talking over each other and not coming to some kind of understanding?

0:56:39.1 Jordan Syatt: 70-30 bad.

0:56:40.4 Mike Vacanti: Yeah. Yeah. Could be worse.

0:56:42.9 Jordan Syatt: Yeah.

0:56:43.9 Mike Vacanti: One more.

0:56:44.4 Jordan Syatt: How do we stay present and enjoy the little things with everything currently going on in our country?

0:56:48.3 Mike Vacanti: I think one of the answers to all of those types of questions is, consume less social media. Perception becomes reality. With everything going on in this country? You’re not meant to comprehend everything going on in this country. And you are.

0:57:07.0 Jordan Syatt: Yeah, I agree.

0:57:09.1 Mike Vacanti: I do 30… Unless you use social media… If you don’t use social media for your business, if you’re a W2, you’re not creating content to support yourself or your family and you’re not just consuming puppy pictures and your friends and seeing your friends’ kids, etcetera, like a happy algorithm, you’re seeing the type of algorithm that’s like, how can we go on with everything going on in our country, if that’s your algo, delete your social media and never download it again. 

0:57:42.4 Jordan Syatt: Goodbye. Goodbye, X. Goodbye, Instagram. Facebook, see ya. 

0:57:47.0 Mike Vacanti: Why are you still consuming there… Like, goodbye across the board, at least a year.

0:57:53.9 Jordan Syatt: Dude, I agree.

0:57:57.9 Mike Vacanti: There’s a misconception that we need to be “Informed.” And I say quote because you’re not actually informed when you’re just consuming rage bait for hours a day. That’s not informing you in any kind of beneficial way.

0:58:11.4 Jordan Syatt: Yeah. It’s actually… It’s harming you. It’s poisoning you.

0:58:13.6 Mike Vacanti: And by the way, I’m coming at this with so much fire because I can relate to the, like, oh my gosh, the world is on fire and I’m just… Like, get out of there.

0:58:25.6 Jordan Syatt: Yeah. Meanwhile, you look up and your family’s right in front of you.

0:58:30.3 Mike Vacanti: Yeah. Sun’s shining, birds are chirping, leaves are turning colors. My neighborhood has gotten much more social. Remember when no one used to say hi to each other like a year ago? That’s changed… 

0:58:41.3 Jordan Syatt: You forced them.

0:58:42.3 Mike Vacanti: Turning over. I can’t take credit.

0:58:44.2 Jordan Syatt: You led the charge. Good morning. Hey, how are you?

0:58:48.4 Mike Vacanti: I was forcing people to say hello, but a lot of them just started doing it on their own as well, so I really can’t take credit. But yes, you make a great point that there’s a lot of good right in front of us.

0:59:00.7 Jordan Syatt: That’s it. Get off social, go on a walk, lift some weights, read a book.

0:59:06.1 Mike Vacanti: I like it.

0:59:06.8 Jordan Syatt: Thank you. We appreciate you. Have an amazing, amazing week. Please leave a five star review wherever you’re listening. If you have any questions, let us know. Talk to you soon.