Pod Insights The Moneywise Guys 2/12/26 Pathways to Health 2026: Protecting Your Heart — and Your Finances About this episode The Moneywise Radio Show and Podcast Thursday, February 12th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www. MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Dr. Rasham Sandhu, MD & Terri Agcaoili websites: https://cacvinst.com/ https://p2hsymposium.org/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Dr. Sandhu and his business are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].
Transcript 0:00 Speaker 00 Live from the basement inside the historic Woolworths Building in downtown Bakersfield. Call or text in at 661-396-1000.
0:37 Speaker 00 Now, let's start the Money Wise Show.
0:40 Speaker 01 Money, money, money. Welcome to the Money Wise Show. We are live from the basement of the historic Woolworths Building in downtown Bakersfield. For the next hour, you are on KGO Money Talk, 1230 AM, 101.1 FM, and always streaming at MoneyWiseGuys.com. You can call or text into the show 24 hours a day at 661-396-1000. That was again 661-396-1000. We are your hosts. I'm Sammy Abiyawu with
1:09 Speaker 02 Frank Lee.
1:10 Speaker 01 Frank. It's been a couple of weeks since our last show.
1:13 Speaker 02 It has been, yeah.
1:13 Speaker 01 Yeah, I heard that had some really good ratings.
1:16 Speaker 02 Oh, yeah?
1:17 Speaker 01 Yeah, yeah, yeah. We're doing this again.
1:19 Speaker 02 Hey, yeah, nice.
1:19 Speaker 01 Yeah, we're doing this again.
1:20 Speaker 02 I think this is going to be a regular now.
1:22 Speaker 01 I hope so.
1:23 Speaker 02 Yeah.
1:23 Speaker 01 Yeah, I have fun. I have fun on the show with you.
1:25 Speaker 02 Oh, thank you. Thank you.
1:27 Speaker 01 We have a very nice show today ahead. We have a really good guest, a return guest of the show. Last time we had him on was a Zoom meeting, and we had a lot of questions from the listeners, so I'm hoping we can accomplish that again today.
1:42 Speaker 02 Nice.
1:43 Speaker 01 Before we go into that, we have a couple of listeners' questions. You want to start with one, the first one?
1:49 Speaker 02 Yeah, yeah, yeah, let's do this. Okay, so first question we have here, "Hey, guys, what is the easiest way for someone to reduce the interest that's adding up day by day?" Great question. I'm assuming they're talking about credit card interest or...
2:04 Speaker 01 I'm going to assume the same, yeah. Credit card debt adding day by day, that's probably, I'm going to assume that, so we can answer that specific question. Yeah, it's funny because you and I, before we started the show, we were talking about credit card debt in general in the US and how it's been creeping up a little bit.
2:23 Speaker 02 Yeah.
2:23 Speaker 01 Currently, we have the total credit card debt estimated at one, one point one trillion dollars and an all time high.
2:33 Speaker 01 Lot of questions start coming up when I hear credit card debt going up. Is it, are consumers spending based on their wages or wage increases? Or are they just swiping credit cards to keep our consumer spending the way it is, strong as it is today?
2:56 Speaker 02 Right, right.
2:56 Speaker 01 And I'm very interested in doing, digging a little bit deeper, understanding that or knowing more about that. But to answer this, this listener's question, there's multiple ways. And, and for me, the easiest way and the fastest way, if you have a good credit score, go and apply for another card that has zero interest for the first 12 months. Cause you transferred the balance on that new card. And now you have zero, zero percent interest for the next 12 months. You can focus on just paying down that principal.
3:29 Speaker 02 Yeah.
3:29 Speaker 01 As much as possible.
3:31 Speaker 02 Right, right.
3:32 Speaker 01 And if you have the ability to do it multiple times in the cycle, do that. That's, that's the way, that's probably the fastest way to reduce that increased interest rate.
3:43 Speaker 02 I see.
3:44 Speaker 01 Other ways would be consolidating or looking into a personal consolidated loan. On average, a credit card carries an interest rate of about 20 to 22%. With some going all the way up to sometimes 28%, 30%, depending on your credit score, your credit history and what have you. So making multiple payments.
4:07 Speaker 01 A month, if you don't have a good credit score where you can do the the balance transfer at zero percent, you can make multiple uh payments a month. So you can start reducing that principal, which will uh impact your interest payment going forward. That's another avenue.
4:26 Speaker 02 Yeah.
4:26 Speaker 01 Or consolidate to go to a bank, go to a credit union and just get a loan, a personal loan. They might ask for some type of collateral if your car is paid off, for instance, they'll tell you, hey, can we take the title to your car to secure this transaction? Or sometimes if your credit score is good and you just, you know, fell into some tough times and you used your credit cards and stuff.
4:47 Speaker 02 Right.
4:48 Speaker 01 They'll give you a a personal loan to pay off all your credit cards and they'll reduce that rate from the twenty-two percent average to let's say eight percent or ten percent.
4:58 Speaker 02 Okay.
4:58 Speaker 01 That's still a substantial decrease to your interest expense.
5:01 Speaker 02 Right, without the collateral.
5:03 Speaker 01 Without the collateral. And sometimes they'll ask for collateral. It really depends on who the borrower is, the credit history, credit score and things like that.
5:09 Speaker 02 Yeah, uh I I mean, i- in most cases, it seems as if the the best, the first step that you would take is to consolidate it into that zero interest.
5:20 Speaker 01 Yeah, the balance transfer.
5:21 Speaker 02 Balance transfers, consolidate into that and chuck away as many, as much as you can into the principal.
5:26 Speaker 01 Yeah.
5:26 Speaker 02 Uh by doing that strategy, then the next one is the personal loan.
5:31 Speaker 01 Correct. The the other thing too, and I I probably this is the first thing you want to do is stop using the credit card.
5:37 Speaker 02 Yeah.
5:38 Speaker 01 Okay, use cash, use debit, but stop using the credit card so you can s- stop accruing more principal onto that card, meaning that's going to translate is onto more interest paid. That's one of the things you want to do. If you have, let's say, I have my, a lot of the payments for like utilities and things like that on my credit card because of the points. But I I'm very disciplined and I pay it off at the end of every month. But if the person is not, so stop, go go into your regular payments or your automatic payments and re- remove those. So again, The goal here is to stop increasing the principal.
6:20 Speaker 01 And just limit it and start paying that off as quickly as possible. So you can start reducing the the interest rate expense.
6:27 Speaker 02 Yeah, I mean, this sort of trickles it into spending habits, really, you know, if
6:32 Speaker 01 Yes.
6:33 Speaker 02 If if you know, if this is discretionary spending, you you want to make sure that you're not utilizing your credit card all the time, but also know that whatever you put on your credit card, you should pay off immediately.
6:48 Speaker 01 That's, yeah, I agree with you, but that's not the case for, I don't know, the majority of us Americans, we don't do that.
6:54 Speaker 02 Right, right.
6:55 Speaker 01 Right? I mean, this, this is the habits that we learned at a young age. They got us very early, probably in college, right? Where, hey, just make the minimum payment. It's okay. Make it the minimum payment. And then you're hooked.
7:07 Speaker 02 Yeah.
7:08 Speaker 01 And if you get hooked, it's like, it's, it's truly an addiction.
7:14 Speaker 01 In my, in my mind, credit card usage, especially if you're just spending money for on on leisurely stuff, not the needs.
7:23 Speaker 02 Yeah, yeah, yeah.
7:24 Speaker 01 Then it's an addiction.
7:26 Speaker 02 Yeah.
7:26 Speaker 01 Like, let me just swipe it.
7:28 Speaker 02 Right.
7:28 Speaker 01 Let me just swipe. I'm gonna, oh, you know what? This one, I have some points on this, or, but if you're not disciplined, that's where they get you.
7:34 Speaker 02 Yeah.
7:34 Speaker 01 The discipline has to be there in order for you to use credit cards.
7:38 Speaker 02 Yeah. I told you about my, my friend.
7:40 Speaker 01 Yes.
7:41 Speaker 02 With his credit cards, right?
7:42 Speaker 01 Yeah.
7:42 Speaker 02 He, he actually introduced his strategy on how he has all these credit cards, but he's, he's very meticulous. Again, what he spends it on, and he keeps track of everything.
7:53 Speaker 01 Yeah.
7:53 Speaker 02 He makes sure that he's not paying over the interest or letting the interest accrue, like, he's paying it off as soon as he purchases something. But that's the high level discipline in him. He introduced that strategy to his friend. Unfortunately, that friend had some nasty habits.
8:11 Speaker 01 Oh, yeah.
8:12 Speaker 02 And just kept swiping and swiping and swiping and just got into really bad credit card debt.
8:16 Speaker 01 It's so easy because, especially when you start making a little bit of money, right?
8:21 Speaker 02 Oh, yeah.
8:21 Speaker 01 Right? And you have a little bit of that six figure close to like. Uh, uh, income.
8:26 Speaker 02 Mm hmm.
8:26 Speaker 01 And you're a little bit into Gucci and your iPhones.
8:31 Speaker 02 Louis Vuitton.
8:32 Speaker 01 Yeah, seriously.
8:33 Speaker 02 Yeah.
8:33 Speaker 01 That's where people get in troubles. I mean, it's a quick swipe. I'm gonna pay it off.
8:38 Speaker 02 Yeah.
8:38 Speaker 01 And then all of a sudden, something comes up. Oh, I need new tires. I, the tire blew up or the engine. And then you have to like really fix your needs like, oh, I need
8:48 Speaker 02 Yeah.
8:49 Speaker 01 to fix this car so I can get to work.
8:50 Speaker 02 Yeah.
8:51 Speaker 01 The Louis Vuitton is in the closet.
8:54 Speaker 01 In that orange bag not being used.
8:56 Speaker 02 Yeah.
8:57 Speaker 01 Right?
8:57 Speaker 02 Yeah.
8:57 Speaker 01 So those are, the discipline is very important when it comes to credit card. We talk about this a lot in, in, in, in the show. You have to be smart when you use credit card. And this, what you described, your, your friend that has the system.
9:13 Speaker 01 If you have that ability and if you have that discipline, yes, go for it. But if you don't, then.
9:18 Speaker 02 I know.
9:18 Speaker 01 It's, it's tough.
9:20 Speaker 02 It is.
9:20 Speaker 01 And I look at it from a different lens, you know, we, we, we keep talking about inflation and, and prices that have gone up substantially since COVID and a lot of them have not gone down since. And a lot of the people, unfortunately, their wages did not follow. So what do you supplement that with? Credit cards.
9:41 Speaker 02 Yep.
9:42 Speaker 01 Right?
9:42 Speaker 02 Yep.
9:42 Speaker 01 An average American family has about between eight to 12,000 dollar credit card debt.
9:47 Speaker 02 Yeah.
9:48 Speaker 01 At 20 to sometimes 28%, like I said earlier. That's a substantial expense on a monthly basis. Right? So there are ways for, for, for you, Mr. Listener or Mrs. Listener to, to reduce the rate. Uh, we gave you a couple of ideas. Uh, if there's any clarifications or additional questions, please send them our way. We'll be more than happy to address them.
10:10 Speaker 01 We have one more question.
10:11 Speaker 02 Yeah, let's do this. Uh, so second question, I know you guys don't work at the diner, but when is their happy hour? I've seen the post, but never shows the time. Uh, thank you guys. Now you can answer this because you've been down there more than I have.
10:25 Speaker 01 Yeah, my belt, if you see my belly, you could tell that I've been at the diner.
10:28 Speaker 02 I wasn't, I wasn't saying that.
10:30 Speaker 01 I spent a lot of time at the diner.
10:34 Speaker 01 No, I'm just, I'm just a good, good client. I wanna try the whole menu.
10:41 Speaker 00 That's why they call you the goat.
10:45 Speaker 01 So.
10:47 Speaker 00 I didn't mean it goat like you eat everything.
10:50 Speaker 02 Oh, okay, okay.
10:51 Speaker 00 I meant like a goat.
10:52 Speaker 02 Yeah, yeah, yeah. No, sure, sure, sure, sure.
10:54 Speaker 01 He meant the greatest of.
10:56 Speaker 02 Yeah, the greatest of all time.
10:57 Speaker 00 What, you can have whatever you want on that menu, but if you go with Sammy, then you find out that there's like twenty different ways to have that item and then.
11:05 Speaker 02 Yeah.
11:06 Speaker 00 Then you're like me, you're like, oh gosh.
11:08 Speaker 01 Yes.
11:08 Speaker 00 Pack of salad next time.
11:10 Speaker 02 Yeah.
11:10 Speaker 01 Yep. So, so today, for instance, I had, I had a veggie patty, which I haven't had in a long time, two of them, and I put them on a Caesar salad. That was my meat. I didn't know I wanted to do chicken. I did the, and it was amazing.
11:23 Speaker 02 So is there like a hidden menu?
11:25 Speaker 01 No, no, I just, I just, you can add stuff.
11:27 Speaker 02 This is, this is Sammy's order, guys.
11:29 Speaker 01 No, you can have, you can have add-ons. You can order a Caesar salad and add veggie patties or add regular patties or whatever you want.
11:36 Speaker 02 Yeah.
11:36 Speaker 01 I add pastrami. Yesterday I had Caesar with pastrami.
11:39 Speaker 02 Yeah, okay, cool.
11:40 Speaker 01 No, you, you can be creative with the menu. Um, there is a happy hour though. Our listener is asking about the happy hour.
11:48 Speaker 02 Yeah, the most important.
11:49 Speaker 01 Uh, two to six.
11:51 Speaker 02 Nice.
11:51 Speaker 01 Um, is the happy hour and good prices on drinks, alcoholic drinks, as well as just some, uh, cool items that they have, uh, on the menu.
12:03 Speaker 02 Yeah. Now that you mention it, I actually, Jenna introduced me to the chili cheese fries with pastrami. I was like, what? Excuse me?
12:12 Speaker 01 Yeah, there's, there's, there's all sort of things that you could do. Some of the things they have is, uh, chili chili bang bang. That's basically a cheesy chili dip with potato scoopers.
12:28 Speaker 00 What was that dude? Somebody heard you.
12:31 Speaker 01 I know.
12:32 Speaker 00 He said chili too many times.
12:33 Speaker 01 Yeah.
12:35 Speaker 00 Your phone's like, what?
12:37 Speaker 01 But no, I mean, the happy hours between two to six, there's some fun items that you can order from. Of course, there's the regular items that you can order from. And you can also be very creative with just adding things and trying new things.
12:49 Speaker 02 Yep.
12:49 Speaker 01 So my, my son gets the burger and he has the pastrami.
12:54 Speaker 02 I gotta, I gotta try that. Oh my gosh. Yeah.
12:56 Speaker 01 Yeah, his, his, and I mean, and then fries, woolly fries.
12:59 Speaker 00 Chili fries with, with pastrami, that's.
13:02 Speaker 01 That's what's up.
13:03 Speaker 02 You want to get one? You want to share one?
13:04 Speaker 00 Yeah, we can share it.
13:05 Speaker 02 Yeah, yeah, yeah.
13:08 Speaker 01 Yeah, no, yeah, please, please come and visit. I mean, the, the Woolworth has plenty of things to, uh, to, to, to offer. And, uh, the, the happy hour is there between two and six. Uh, food is excellent and not because I'm biased. It's just a lot of this stuff is homemade, like the chef makes all his stuff. His patties are never frozen for his burgers. He actually preps them in-house as well.
13:30 Speaker 02 Oh, nice.
13:31 Speaker 01 So it's, again, I'm biased a little bit, but come and try the Woolworths. Especially during happy hour, so you can have the whole, the full menu.
13:41 Speaker 02 Yeah.
13:44 Speaker 01 We have one more question.
13:45 Speaker 02 Yeah, yeah, yeah. I think this is a continuation.
13:48 Speaker 00 Yeah, same person.
13:49 Speaker 02 All right, awesome. So the, uh, the question or message is, uh, that is totally my wife. She has gotten better, but she will buy a bag for 700 and then pay 200 one month, then 50 the next month. And she doesn't understand when she looks back at the account and it's still 700 because of the interest. Credit cards are like drugs and even more expensive.
14:11 Speaker 01 Yes, they are expensive. A very good comment. I agree with you a hundred percent. Uh, and, and look, I'm talking from experience as, as, as a young guy in college. Guess what? I signed up for those credit cards. And thank God I had, I had my older sister, my older brother kind of like guiding me and showing me the ropes. But some other people don't have that. You know, did I get in trouble? Unfortunately, or fortunately, no, I didn't. And then I got into banking and I understood leverage and borrowing and loans. And definitely I stopped using credit cards. Like I use them for points and I use them to, you know, like Costco card. I have a Costco card and I get a check. From from city at the end of the year and then the 2% check.
14:55 Speaker 01 So I'll buy like a big appliance if I need one or sometimes I'll just go and buy a gallon of milk. And guess what? They'll give you the rest in cash.
15:02 Speaker 02 Yeah.
15:03 Speaker 01 So.
15:03 Speaker 02 Yeah.
15:04 Speaker 01 So you just have to be prudent when when when using credit cards. That's the message that I would stress for our listeners in general. Credit cards are there. They could be good, especially when you're in need. But that's it. Need.
15:17 Speaker 02 Yeah.
15:17 Speaker 01 Like where you really, really need.
15:19 Speaker 02 Yeah, not not your luxury bags.
15:21 Speaker 01 Correct. Hey, I want this. No, let me just go swipe this card and then it's gonna take me 12 months, sometimes 24 months to.
15:28 Speaker 02 Yeah.
15:29 Speaker 01 If if that.
15:30 Speaker 02 Yeah, I think the the installment plans are even riskier in the sense. Cause like you go on and if you don't pay the the penalties.
15:37 Speaker 01 That's a very good point because because now with the ease of those things, like you're online. It's like, hey, do you want to apply for Klarna?
15:44 Speaker 02 Yeah, yeah, yeah.
15:44 Speaker 01 It's right there.
15:45 Speaker 02 Yeah.
15:45 Speaker 01 There's a lot of people who's like, what is that? And you sometimes by mistake you click and you have a payment. No, no, you gotta be. You gotta pay attention.
15:53 Speaker 02 Yeah.
15:54 Speaker 01 To that. Very, very good questions. Keep them coming. Uh, we're gonna take our first break. When we come back, we'll introduce Dr. Rasham Sandhu, local heart doctor, uh, to talk to us about, um, healthcare, about his upcoming symposium. We'll be right back.
16:23 Speaker 01 I want to dance now.
16:25 Speaker 02 Hey.
16:26 Speaker 01 Welcome back to the Money Wise Show. I'm Sammy Abiyawi with Frank Lee. And we just got joined by, um, two of my favorite people in the world. My very, very good friend, Dr. Rasham Sandhu, cardiology specialist in Bakersfield. Over 20 years of experience in the medical field. Um, and Terry, Terry, I'm not gonna.
16:47 Speaker 03 I was gonna say.
16:48 Speaker 01 I'm not gonna say your last name. Agleo?
16:50 Speaker 03 Yeah, that's close. Awkwili. You were close.
16:52 Speaker 01 Awkwili?
16:53 Speaker 03 Awkwili. Don't look at it. Don't look at it. The G is silent. The C is not there.
16:56 Speaker 01 What is that like?
16:57 Speaker 03 Filipino. Filipino last name.
16:59 Speaker 02 Hey, yeah.
16:59 Speaker 03 You should have known. I thought you knew. I thought you knew. We've had this conversation with your wife.
17:03 Speaker 01 I mean, listeners cannot look at my face, but I'm in shock.
17:05 Speaker 03 I could tell you're in shock because you thought I was Italian. You thought I was Agleo.
17:08 Speaker 01 Yes.
17:09 Speaker 03 I have a husband.
17:10 Speaker 04 Just let it fly, Terry.
17:12 Speaker 01 Really?
17:12 Speaker 04 Just let it fly. Italian is cooler.
17:14 Speaker 03 Yeah.
17:16 Speaker 03 I am whatever you want me to be.
17:19 Speaker 01 Well, welcome to the show to the both of you. We're very excited to have you today. Dr. Sandhu, there's so many things we can talk to you about today health wise, but what's coming up in March is your health, annual health symposium, March 21st at the DoubleTree Hotel?
17:36 Speaker 04 Correct.
17:37 Speaker 01 Saturday?
17:38 Speaker 04 Saturday 21st.
17:40 Speaker 01 So let's start with, what's the symposium?
17:42 Speaker 04 So Pathways to Health, last year was the inaugural event and this is year two. We got a great support from community, but the purpose of the symposium I've always felt is the healthcare that we practice today. Unfortunately, a lot of it has become disease care, not healthcare. And wellness, as you know, is somewhat of a passion. And in terms of
18:12 Speaker 04 how do we bring it full circle? The answer is not going completely against what we are doing. The answer is complemented with what's not there.
18:21 Speaker 01 I got you.
18:22 Speaker 04 So with that in mind, when we designed the symposium, a lot of health symposium, this is geared towards healthcare providers, but also to people who are interested in healthcare. And as of now, year two, this is still a healthcare focused event with a heavy bent towards wellness and the things that we should do. So the way it's a fast paced symposium as opposed to I never really was into 45 minute talks where a speaker is showing you 100 slides and you're bored to death.
18:55 Speaker 01 And you're retaining 1%?
18:56 Speaker 04 Exactly. So the way it's designed is it's very interactive as last year was 30 minute talks, quick movement will show live cases, will show deferred live cases, I should say, and go through newer procedures that are being done, but. Towards the midpoint, it kind of transitions and takes its other identity, which is where we'll talk about metabolic health, we'll talk about peptides, we'll talk about semaglutides, Ozempic, the Wegovy, the questions everyone wants to know the answers of, and we have an expert panel for that. And we'll talk about sleep as your superpower. And then we'll cap it all off with our featured keynote speaker, who is a writer, author, and a monk. And he'll tell us all about,
19:40 Speaker 04 if you talk about focus, who knows it better than the monks? So he will tell us all about it.
19:46 Speaker 02 Nice.
19:47 Speaker 01 So you're gonna speak at this symposium, I'm gonna guess?
19:50 Speaker 04 Correct, correct.
19:50 Speaker 01 And you have multiple speakers, it sounds like?
19:54 Speaker 04 Correct.
19:55 Speaker 01 And this is geared towards healthcare employees? Or can the public join or attend?
20:00 Speaker 04 So as of now, this will be geared towards healthcare providers, whether that be physicians, mid-levels, nurse practitioners, nurses.
20:13 Speaker 01 Can this go into their education?
20:15 Speaker 04 Yes, it's a CME-approved event. So they will get CMEs for it. And the video recordings for the wellness portions will be available for people who want to see it. That'll be available. We are planning to make it available, like topics like awareness and focus, topics like sleep as your superpower, topics like the questions that you want to know about Ozempic and hormone replacement therapy. That is relevant to people who are not in medicine, but they want to know about it. That'll be made available. And then the plan is, in the coming years, we will continue opening it up. So this year, we have, like MoneyWise is partnering
20:57 Speaker 04 with us, we have people from outside medicine coming in to partner with the symposium. And as we go through year three and four, the plan is to have a much wider
21:07 Speaker 01 I see.
21:08 Speaker 04 reach for it.
21:09 Speaker 01 So I know this very, very well, because you and I are very close. You're super busy.
21:15 Speaker 04 Yes.
21:16 Speaker 01 Why are you doing this?
21:17 Speaker 04 Well, I think this brings value. So I've always kind of lived life in a way. If I'm having interaction with you, what the most precious commodity that we have that you and I can't buy, can't get back is time.
21:31 Speaker 01 Correct.
21:32 Speaker 04 So if you and I get to spend time because we are friends, we enjoy talking to each other, there's value to it.
21:37 Speaker 01 Yes.
21:38 Speaker 04 So we bring value to each other. So if I'm asking people, okay, I want to change how healthcare is practiced. How do I bring that message? And I have to live my message. So you know me, the first thing I would do is, okay, if I want to preach something, I got to do it myself first.
21:54 Speaker 01 Yeah.
21:55 Speaker 04 And then as a group, we want to, California cardiovascular wants to bring that message out in conjunction with our partners, neurology, Dr. Verdi, and the partners that are joining us new first time this year, Dr. Ayah, Dr. Beatty, Dr. Sevali.
22:12 Speaker 01 Dr. Beatty, the, the.
22:14 Speaker 04 The wellness.
22:15 Speaker 01 The wellness doctor?
22:15 Speaker 04 Yes.
22:16 Speaker 01 Yeah, he was my doctor at one time. I liked him.
22:18 Speaker 04 Yes.
22:18 Speaker 03 Amazing panel.
22:19 Speaker 04 So we'll, we'll bring some and as they, we go through this in the successive years, we'll continue to expand. But the goal is to have actually an interesting conversation where you talk about healthcare, not just disease care, not just procedures, not just medicines, but things that actually are very relevant to your health that we don't even talk about. So to me, I mean, sleep, yes, I want to talk to people because I lost my health because I didn't value sleep. I developed impaired glucose tolerance where I had no reason to eat well, exercise, do all the things, but I was proud of sleeping four hours a day, wore it like a badge.
23:01 Speaker 01 Yeah.
23:01 Speaker 04 Okay.
23:02 Speaker 01 A lot of people say, oh yeah, I, I sleep late and I woke up early.
23:05 Speaker 04 Exactly.
23:05 Speaker 01 Four hours.
23:06 Speaker 04 I mean, how did we glorify killing our health? I mean, just as a tidbit, if we talk about sleep. Sleep in nature, if you look at all across animal kingdom, it's non-negotiable.
23:19 Speaker 02 Yeah.
23:19 Speaker 04 It's like you look through, there is tons of data. And as you sift through it, there is no animal, the birds, even if they are under threat and they haven't had their sleep. Nature designed a way for certain words that they will switch off one half of their brain and close this, that's a side's eye where there is no threat and the other eye will stay open.
23:42 Speaker 02 What?
23:43 Speaker 04 It's so, it's that non-negotiable.
23:46 Speaker 02 Yeah.
23:47 Speaker 04 And we happily traded for Netflix.
23:49 Speaker 02 Yeah.
23:52 Speaker 01 Binge watch.
23:52 Speaker 03 Yeah.
23:52 Speaker 04 Exactly.
23:53 Speaker 01 Binge watch.
23:54 Speaker 02 Yeah, or in this case, if you have a baby, you know, you have, that's, that's.
23:57 Speaker 04 That's, okay, that's, that's different. So to that, that actually, you see it across, so what do we learn from animals? How nature intended it to be uncorrupted, right? So in animal kingdom, if you see, they never miss sleep, that's non-negotiable. But even for dolphins, when they have a baby, they don't sleep for a week. The baby and the dolphin will swim for a week and then there'll be a catch up.
24:23 Speaker 02 Yeah.
24:23 Speaker 04 But at that time, it's allowed.
24:25 Speaker 02 Oh, I see.
24:26 Speaker 03 So you'll catch up, there's time for you to catch up.
24:28 Speaker 02 Yeah.
24:28 Speaker 04 Exactly.
24:29 Speaker 03 I hope.
24:29 Speaker 02 So I, I, I think I, I've returned to my peak right now with, with my one-year-old, but now with the new baby coming, it's like I'm not.
24:38 Speaker 03 You're going back, you're going back.
24:39 Speaker 02 Yeah.
24:40 Speaker 01 I mean, Frank, Frank, Frank is a, is a present father, but I think Jackie does most of the work.
24:45 Speaker 03 I, I was wondering, I was wondering, I'm pretty sure you're getting worse sleep.
24:48 Speaker 01 I think Frank naps. I think he naps. I think he comes to work and he naps in our zen room.
24:53 Speaker 02 Oh, yeah, yeah, yeah, yeah. No, I just like, I just pretend like my eyes are open, fake ones and just, just.
25:00 Speaker 03 You're sleeping right now.
25:02 Speaker 02 Yeah, yeah, yeah.
25:02 Speaker 03 Frank is not even awake.
25:03 Speaker 04 Why do you have sunglasses inside?
25:07 Speaker 02 Don't give it away, don't give it away.
25:10 Speaker 01 It's, it's sounds like you, you, you've put together a very nice group of speakers, panel, and you mentioned some of the names, some of them, one of them I know.
25:23 Speaker 01 What else is going on at the symposium? I was gonna ask, is it March 21st, right? When does it start, like 7, 8 a.m.?
25:31 Speaker 03 7:30 registration, in time around 2 o'clock. Saturday at DoubleTree Hotel. An amazing lunch will be served.
25:40 Speaker 01 Hey, don't forget the coffee. Who's providing coffee?
25:43 Speaker 03 Come on, Reverb, I just had to go talk to him and meet him. Reverb will be there, right?
25:48 Speaker 01 Yeah, Reverb coffee will be present.
25:49 Speaker 03 Yes, they will be there. That's included, so we're thankful for them and their support as well. Yeah, if you don't want to come for the healthcare and wellness, come for the coffee.
25:58 Speaker 02 Oh, yeah, definitely.
26:00 Speaker 03 Come for the talk for doctors.
26:01 Speaker 01 I think the talk, Dr. Sandeep, I'm looking forward to that if I'm not traveling overseas, but also the monk you mentioned. That's probably gonna be one of the interesting talks.
26:11 Speaker 02 Yeah, I mean, I'm very much excited to attend this symposium, not just because of the fact of what the value add is for the community, but I myself come from healthcare. So I was a nurse prior to all this, and the burnout in healthcare is real.
26:28 Speaker 01 Yes.
26:28 Speaker 02 Not just because of the acuity between patient to healthcare provider, but the fact that the wellness portion, the preventative portion is highly overlooked. And you're having to deal with all these patients who are coming in who are just more really sick and, you know, having to deal with a lot of issues, disease issues. And so seeing this type of work in the community, I think in itself brings a lot of value add, and I think it's important.
26:59 Speaker 04 No, absolutely, and I mean, you mentioned it without giving up too much. I will tell you, so at the light exposure, big part of sleep and wellness and whatnot. So bright light exposure at night, actually, I'm not gonna go into the technical names, but there is a center in the brain. Technical name aside, you can call it the disappointment center.
27:20 Speaker 01 Hmm.
27:20 Speaker 04 So if you actually get bright light exposure in the night hours, it actually gets activated.
27:28 Speaker 01 What is it called?
27:29 Speaker 04 It's Habenelua, but the disappointment center is what you.
27:32 Speaker 02 Disappointment.
27:33 Speaker 04 Let's stick with that one.
27:35 Speaker 02 Yeah, yeah, yeah, I like that one.
27:37 Speaker 03 Let me tell you also about our symposium. We talk about our community and our healthcare and and staying in Bakersfield and keeping it local. We have so many amazing specialists and providers here. We do. There's a lot of things that we can keep here local. We don't have to leave town. And that's my biggest takeaway. We do not have to leave Bakersfield or Kern County for good healthcare. It's so nice to see the room of specialists and physicians, providers come together and network and talk and get to know each other if they have known each other because everybody's so busy for that. It's such a win for us because not only are we learning so much throughout the day, but to see our whole healthcare community come together in such friendship and value and network, it's a complete blessing to be.
28:18 Speaker 01 Yeah.
28:18 Speaker 03 From here in this community and the healthcare industry.
28:21 Speaker 01 I I agree because I do know a lot of people that just go over the grapevine to USC, to UCLA, to other hospitals to to seek what they call good medicine.
28:32 Speaker 03 Exactly.
28:33 Speaker 01 And while we have good doctors here in Bakersfield, now I think that maybe that number is not big, right?
28:41 Speaker 03 Right.
28:41 Speaker 01 But but we do have good doctors in Bakersfield and and and I and I think Dr. Sandu and his group do an amazing job. I think one of the the the things that you have with your group is Dr. Dr. Singh. He's a world renowned in his field, or he does talks all over the world.
28:59 Speaker 04 Yeah, so he he is very accomplished. We are blessed to have him. He's an electrophysiologist. Formerly, he was director of electrophysiology program at Henry Ford. And he has published extensively. And in fact, even in last year, we were able to bring several new procedures to town. First in Kern, and they were then Dr. Patel did a procedure which was, in fact, first in. Central Valley, not just Central Valley, first from San Francisco to all the way to San Diego. So we actually were the first ones to do it.
29:35 Speaker 01 Here in Bakersfield.
29:36 Speaker 04 Here in Bakersfield. So we are very capable doctors who are able to do these, not just cutting edge procedures, but I think cutting edge procedures are cool. Okay, we love doing them. We love being able to provide the care that our patients need, but
29:52 Speaker 04 the operative word, I think if I had to define one word about my group and the philosophy that we want to live by, it's the care.
29:59 Speaker 01 Yes.
30:00 Speaker 04 Everything else can go around it. It cannot replace it.
30:04 Speaker 01 Yes.
30:05 Speaker 04 A lot of times you can tell the mindset, okay, you can ask me a question.
30:10 Speaker 04 And in the order in which I mention the priorities will tell you what's in my brain. And I think I want all my partners, all our employees who work, the operative word is care.
30:21 Speaker 01 Yeah.
30:21 Speaker 04 If you can get that right, the rest will fall in place.
30:24 Speaker 03 Agreed.
30:25 Speaker 01 You deal with the heart and major organ, if not the major organ in the body. Last time we had you on the show, we talked about, you know, a lot of the listeners are interested in this as well.
30:39 Speaker 01 When you go do a blood work and you get some results, especially what comes to mind is LDL, blood pressure targets.
30:47 Speaker 01 How to manage stress. And I want to focus a little bit more about the LDL and blood pressure. Just for our listeners, any targets or is that like person to person? Or do we have scientific targets that we can shoot for?
30:59 Speaker 04 So there is two right answers to this. Okay, one, yes, there are scientific targets. If you have heart disease, you want your LDL lower. But then again, and that's part of the reason we are doing conference and part of the reason we are promoting that whole agenda is you can get your LDL down to 70, but the body is a million chemical reactions each second, all talking to each other. Lowering LDL will help you. But it will not help you as much as you want help if your blood sugar is two hundred, if you're sleeping four hours, if you're not exercising, if you're eating processed junk food, it's not gonna work.
31:39 Speaker 01 Yeah.
31:40 Speaker 04 So, I mean, just taking a cholesterol medicine does not make you bulletproof. Just getting your LDL number to fifty will not. So.
31:50 Speaker 01 So it's like a holistic approach to health, to your body.
31:53 Speaker 04 Exactly. You gotta do the right things.
31:56 Speaker 01 Yeah.
31:57 Speaker 04 If you want the whole thing to work together.
32:00 Speaker 01 Yeah, yeah. We, we, we also talked about, uh, uh, stress. And, and to me, one of the things that a lot of people, I mean, we all have stress.
32:09 Speaker 04 Mm-hmm.
32:09 Speaker 01 And, and, and at one time, we had, we had this talk with this Navy SEAL. And he says, well, stress is good. A certain amount of stress is good.
32:20 Speaker 04 He's right.
32:21 Speaker 01 Yeah?
32:21 Speaker 04 Actually, so there are two ways to stress, okay? There is physiologic stress and there is mental stress. Okay? So when we evolved over the last ten thousand years, the current hundred years that we are living in is like point two millimeter off that ten centimeter line, right?
32:38 Speaker 01 Yes.
32:39 Speaker 04 So what was stress as of a thousand years ago? Stress was a tiger chasing you.
32:47 Speaker 01 That's right.
32:47 Speaker 04 Or someone from other tribe trying to kill you.
32:51 Speaker 01 Yep.
32:51 Speaker 04 Right? That was a stress.
32:52 Speaker 01 Yep.
32:53 Speaker 04 So how would your body respond? It'll shunt all the blood away from vital organs, take away from gut, take away from brain, take away from everywhere, give it to the limbs because you gotta run as fast as you can or fight as hard as you can, right?
33:06 Speaker 01 Yep.
33:07 Speaker 04 Because guess what? You take away blood from immune system, you take away blood from vital organs, you take away gut, blood from gut. Because if you don't survive this, none of that is going to matter.
33:17 Speaker 01 That's true.
33:18 Speaker 04 So as we evolved, those threats went away. But. The system still responds the same. So if there is an imaginary threat that you have in your brain while you're comfortably sitting in your room watching TV, your system is going to react the same way that imaginary tiger is still chasing you.
33:41 Speaker 01 Yeah.
33:42 Speaker 04 Your blood is still going to, your system is still going to react the same way.
33:47 Speaker 01 Yeah.
33:47 Speaker 04 So to get to that equitable state, so stress, when it's, when is it good? Short amounts of hormetic stress are good physical stress. So if I got in cold plunge for three minutes this morning, that's stress. But that's great. That's, that creates resilience for my system.
34:06 Speaker 01 I see.
34:07 Speaker 04 Okay. If I work out hard for thirty minutes, I did create stress. I actually increased my heart attack risk during those thirty minutes, but I reduced it way down for the other twenty-three and a half hours.
34:20 Speaker 01 I see. So, so follow-up question to that is just as far as stress. You work, for me, I work with Frank Lee. He stresses me out. What can I do? What can I do to fix that?
34:32 Speaker 02 I knew that was coming. I was like, how do I get ahead of this? It's like, oh yeah, Sami gives me stress so much.
34:39 Speaker 01 No, I, I, I, I hear you and I, and I try to listen to your advice as much as possible. One time I was under a lot of stress. I called Dr. Sandu and you took me to this place where you don't do the cold, cold plunge, but they put you in this cold space.
34:54 Speaker 04 Cryo chamber, yeah.
34:55 Speaker 01 What is it called?
34:56 Speaker 04 Cryo chamber. Cryo chamber, yes.
34:58 Speaker 01 Man, I'm telling you, Terry, I was so stressed. I'm not kidding. This is, this is the truth. I was just like up to here and, and I called him, was like, hey, I'm leaving the office. Come meet me here. And, and I went and I met him there and he, he, he paid for it too. And I got inside and I, three minutes of that, I think, or less. And I went like, whoa.
35:18 Speaker 03 You felt good?
35:18 Speaker 01 Felt really good. A lot better.
35:20 Speaker 03 I feel like even just his friendship and him stopping what he's doing to meet you also helps with that stress. Like Dr. Sandu is different, right? Come on. When you say personally.
35:29 Speaker 04 Terry, let's not do that.
35:30 Speaker 03 Yeah. I want to come back and talk to you.
35:34 Speaker 01 Terry is your biggest supporter. She's amazing.
35:38 Speaker 04 I appreciate that, absolutely.
35:39 Speaker 01 I want to take a quick break and I want to switch subjects. I want to talk a little bit about the other stuff that you do, which is Thrive and Purpose Foundation. You're busy with that as well. You're helping this community, especially people in need. So I want to talk a little bit more about that and just the healthcare in general and how people can cope with those changes. We'll be right back.
36:00 Speaker 00 Have you been putting off your finances? Seize the day. Call the Money Wise office at 661-847-1000 or email [email protected] for more information.
36:19 Speaker 01 We're back at the Money Wise Show. I'm Sammy Abiyawi with Frank Lee, joined here with Terry and Dr. Rasham Sandhu. I'm still not going to try your last name, Terry. See how it just curved around that? Just, you know?
36:34 Speaker 01 Yeah, we're back. We have a couple of comments and one question, Frank?
36:38 Speaker 02 Yeah, yeah, yeah, let's do it. So, one of the comments, continuation from previously.
36:46 Speaker 02 "I'd much rather deal with my stress from my wife and her Gucci bags over running from a tiger."
36:53 Speaker 02 That was a good one. That made us laugh. Laugh out loud.
36:59 Speaker 02 Okay, so on to the next question. Oh, it's for you guys. Where is this symposium and is it open to the public?
37:08 Speaker 02 Oh, and it's open to the public, correct? Or is next year the one that's open to the public?
37:13 Speaker 04 The hope is the next year we'll be able to open it to public to an extent. This year is healthcare personnel only, but the following year, the goal is to expand it to public. So next year, we will hope to open at least 50 to 100 spots for non-healthcare because I do believe the content right now, at least the first half of the symposium, is very sort of medical-focused. The wellness portion this year is significantly more than last year. And the following year, the goal is to get to 70% plus relevant topics that actually impact you day to day. And that...
37:59 Speaker 04 If you and I have a conversation, or if you're not in medicine and we are having a conversation, again, coming back to adding value to your time. If you're going to come there, I want you to leave thinking, you know what, I got something out of these three or four hours. That was, that was good value to time.
38:16 Speaker 02 Right, right. And it's, it's gonna be at the DoubleTree Hilton Hotel.
38:22 Speaker 04 Yes, on Rosedale.
38:24 Speaker 01 March 21st, between the hours of 7:30 registration, correct, until 2:00 P.M.
38:29 Speaker 03 Yes, but please follow us on social media, Instagram, LinkedIn, and Facebook, California Cardiovascular Institute, because you can find all this great information for the public. That's a really good resource to reach as well.
38:41 Speaker 04 Yeah, no, we will like publish a lot of these talks early on, and then as the year goes on continually, both Front Pathways to Health's P2H Symposium will keep adding material that's from the Symposium relevant to public and to our social media. And then the plan for next year, because as we learned last year, the plan for next year starts a week after this one finishes.
39:08 Speaker 03 Yeah.
39:10 Speaker 01 Yeah.
39:10 Speaker 02 Lot of planning.
39:11 Speaker 04 Exactly.
39:12 Speaker 02 Lot of planning.
39:13 Speaker 01 Uh, jumping into something different that you are engaged in, Dr. Sandu, and that's the foundation, Thrive and Purpose Foundation. You started that about a two years ago. Uh, I said, I'm a board member, uh, with, with you on Thrive and Purpose. Remind us of the mission. Why, why was this created?
39:35 Speaker 04 So, uh, Sam, this is a, a lot of our population. So we, if we divide very roughly our population into three parts economically, I mean, sitting on MoneyWise, you know, there's, there is people who don't have a lot. There is people who work all their life, which we call middle class, and there's people who have plenty of money. So the one on the top, they don't need any help. The ones who are unfortunately not doing so well, they get, there's a lot of grants from the government, help from the government, multiple programs, whatnot. There's a safety net. What I noticed working here over the years is it's always your middle class who have worked hard
40:20 Speaker 04 all your life, your schoolteachers, your nurses, people who run small business. They're one illness away from really financially struggling to even afford their medications. And that's not how it should be. So the reason for starting this, I won't go too much into the story. There was a patient's story that led to this, but the reason for starting this is to give help in that no man's zone where there is not very much help. To help with the medications, you have three chronic health conditions. Your medication budget can be a thousand dollars a month.
41:01 Speaker 01 Yeah, and the foundation provides support to that segment of the population. That's what you call it no man's land. I agree with that. And we've seen it now, sitting on the board and going through the grant applications and going through some of the profiles of the people that are applying for these grants. These people have worked most of their life, if not all their life. Now they are retired on fixed income and a 2% or an increase to whatever side of their life, daily life is going to have an impact.
41:32 Speaker 04 Oh, absolutely.
41:33 Speaker 01 So this is available to local population here in Bakersfield. You can apply online.
41:40 Speaker 04 Yes, you can apply online. The application is very transparent, scored. We made it a very objective process. We'll give you help if you have trouble filling in the application. We'll provide that help also and we'll provide grant for your medications if that's what's
41:55 Speaker 01 needed.
41:55 Speaker 04 Needed. If there is transportation help, we'll roll that into it also. And then the logistics part at times can, we can help with that also, but that process is being expanded for this coming year, looking into a pharmacy program where we partner with certain pharmacies to streamline process for our seniors, because part of the struggle with healthcare is navigating this complex healthcare that we have. I mean, try looking at a process if you have to sign up for a secondary insurance as you turn into Medicare, it'll make your head spin.
42:31 Speaker 01 No, I agree. I'm blessed. I have you as a friend and with a phone call, I get directed to where to go or what to do. Not a lot of people have that, or not a lot of people have good insurance, like I'm able to, thank God, to have good insurance in place. As far as just the application process, you mentioned it's streamlined, people can go online and apply. Can people go also online and donate if they want to help the foundation?
42:55 Speaker 04 Absolutely. We are a young foundation. We can use all the help and what you need to know is
43:03 Speaker 04 100% of all donations coming in is spent on patients. It's a zero overhead donation. We cover all the overhead.
43:11 Speaker 01 Correct, but you also had pledged certain of your own funds.
43:15 Speaker 04 Yes.
43:15 Speaker 01 To support the foundation last year.
43:17 Speaker 04 Absolutely, and I will continue to do that.
43:19 Speaker 01 Yeah, and I just, and I'm not trying to paint you as, you know, hey.
43:24 Speaker 04 No.
43:25 Speaker 01 No, it's the reality of things. You've stepped up big time for local population. You've, you put your, what is it called, your mouth, whatever.
43:36 Speaker 03 Your heart, your mouth, yeah. You put your.
43:39 Speaker 01 Whatever that saying is.
43:42 Speaker 04 Let's skip that.
43:42 Speaker 01 Yeah, you did. And I just, and I'm trying to, not promote it, but just make people aware, our listeners aware, that this thing exists here locally, to help us locally. And this population here in Bakersfield, having been here, having lived here for 25 years, having been part of nonprofit organizations, we are very given city. Okay?
44:08 Speaker 04 Yes.
44:08 Speaker 01 Sometimes people are just not aware of where to donate or what to. So, Thrive and Purpose Foundation, there's a website, go look it up. You can donate, you can volunteer.
44:20 Speaker 03 Yes, we'll take it all, and social media. Please look for us on Facebook and Instagram as well, Thrive and Purpose Foundation. Please, if you have any questions, we'll follow up on that as well.
44:29 Speaker 01 Any events coming up for Thrive and Purpose?
44:32 Speaker 04 Later this year, we will have a fundraising pickleball tournament for this.
44:37 Speaker 01 Nice.
44:37 Speaker 04 Should be fun.
44:38 Speaker 03 Yes.
44:38 Speaker 02 Aren't you into pickleball?
44:39 Speaker 01 Yes.
44:40 Speaker 02 Yeah.
44:40 Speaker 01 I'm putting one in the third floor of the Woolworths.
44:43 Speaker 03 Oh my gosh, that is the thing. That is good, that's good.
44:46 Speaker 01 Yeah, we're, no, I love pickleball. I don't play it as much as I would love to. I do play tennis with my kid whenever the time allows.
44:55 Speaker 04 Yeah, I saw that Sammy loves beating up the kids.
44:59 Speaker 01 Yeah, I played with my kid and Dr. Sandu's kids two weeks ago and I don't take it easy. I just swing.
45:08 Speaker 04 He is merciless.
45:10 Speaker 01 I'm like, you guys are gonna face adversity later in your life. I'm gonna teach you about it right now.
45:15 Speaker 03 Right now, I'm a pickleball. The ball is coming at you.
45:18 Speaker 01 Uncle Sammy is here to serve, literally.
45:21 Speaker 02 Hey, that's fatherhood, right? You gotta teach him.
45:24 Speaker 01 That's right. That's right. No, I think, I think, we talk about this as fathers all the time.
45:30 Speaker 02 Yeah.
45:31 Speaker 01 You know, we wanna instill a little bit of savage in our kids.
45:33 Speaker 03 Yes.
45:34 Speaker 01 That little savage, you know, looking around and how people are being raised and how, especially boys, they'll, they'll, they'll.
45:41 Speaker 03 They'll need it. They'll appreciate it.
45:41 Speaker 01 They'll need it and they'll appreciate it later.
45:43 Speaker 03 They will appreciate it.
45:44 Speaker 02 I'm looking forward to that day.
45:47 Speaker 03 Frank, now you rest. Frank, you rest.
45:49 Speaker 02 Yeah, it's like, oh, remember all those nights, you know, restless? It's like, here we go.
45:54 Speaker 01 So, just to recap real quick, we have the symposium coming in at March 21st.
45:59 Speaker 03 March 21st.
46:00 Speaker 01 And then eventually, hopefully a gala or some type of event for, for the Thrive and Purpose. In the meantime, there's the website, there's social media. Please connect on, on, onto the website and donate or volunteer if you'd like. Every, every penny counts.
46:18 Speaker 04 Absolutely.
46:18 Speaker 01 When it comes to Thrive and Purpose. Every penny. And I'm privy to that because I think I'm the treasurer too.
46:23 Speaker 04 Yes, you are.
46:27 Speaker 03 You absolutely are.
46:28 Speaker 04 As I said, whatever comes in, we'll give it all away. There is no money going to overheads. Those are all covered by us.
46:35 Speaker 03 And yeah, so we're looking at the third or fourth weekend of August for pickleball tournament at Game Day Sports Academy, the dignity.
46:43 Speaker 01 Oh, yes. So it's indoors.
46:45 Speaker 03 Indoor August, so no excuses.
46:47 Speaker 04 You don't wanna play outside in August.
46:48 Speaker 03 Not in August in Bakersfield. We're keeping it local. So look, be on the lookout for that, please.
46:52 Speaker 01 So, so eventually we'll, we'll get more info about how to sponsor that event and how to help it out.
46:58 Speaker 03 Yes.
46:58 Speaker 01 Okay, and you can, you can basically buy a team or put a team together and go.
47:02 Speaker 03 Put a team together, donate, sponsor, vendor booth, raffle baskets. We will take it all. We're so thankful for our community.
47:08 Speaker 01 That's great.
47:09 Speaker 03 We, no, no donation is too small.
47:11 Speaker 01 No, I, I agree with that. I agree with that.
47:14 Speaker 03 Even your time, even, even your time, even if you have more time than money or more, more money than time, we will take it.
47:22 Speaker 01 We, we have, we have two more minutes to go. Before I let you go, Dr. Sandu. Personally, what do you prioritize when it comes to heart health?
47:30 Speaker 04 So, heart health, I think it's a balanced approach. As I mentioned, I'm going to go back to the most underappreciated aspect is we, when you come to office, we speak to high blood pressure, we speak to diabetes, we speak to smoking, but the one multiplier that will affect everything and multiply their effect is inadequate or non-quality sleep.
47:54 Speaker 01 Alright, guys, you heard it from the man.
47:57 Speaker 02 Yeah, sleep.
47:57 Speaker 01 Sleep!
47:58 Speaker 02 Okay.
47:58 Speaker 03 Sleep!
47:59 Speaker 01 Or, take, take the time to sleep and, and relax, put that brain to, to rest. We have so many things around us that, that gets you not to be in rest, so. Thank you very much for being here with us today. Great, great show, great conversation.
48:15 Speaker 02 Yeah, thank you.
48:16 Speaker 03 Thank you for having us.
48:17 Speaker 01 Who do we have tomorrow, Stephen?
48:19 Speaker 00 Tomorrow, we get down to business with Kimberly Price, the event director from the beautiful Bakersfield Awards.
48:26 Speaker 03 She's amazing. I love her. I think Thrive and Pur- or not Thrive and Purpose, the symposium is nominated for beautiful Bakersfield Awards.
48:33 Speaker 00 Of course it is.
48:34 Speaker 03 We love our community.
48:34 Speaker 00 But until then, be smart, be safe, be money wise.
48:38 Speaker 03 Woo, let's go.
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