“We have an epidemic where people are slipping, falling, getting dementia, all kinds of stuff. And let's just say that you end up in the hospital, because you're the one that pays the bills, right? So they say, oh yeah, I take care of my own bills. So you end up in the hospital for three months. You wake up in 90 or 120 days, and you hadn't made a single payment. And you haven't been able to tell anybody because you were out of it. What do you think about the lender, your favorite bank, what do you think may have happened or done to your house in the last 90 or 120 days?”

Matt Helton: “This is literally a mortgage on your home like everyone's had their whole life. Just a regular mortgage so the client still owns their house. They can still sell their house. They can still pass it on to their kids. There's no difference. The only real difference is instead of having to make a payment they have an optional payment, but that's the biggest misconception. They think that the bank is like buying their house out. No different. All the equity is still there. So a lot of people, what they'll do is because of that, they'll get some equity now because we can only lend low percentages. They may live in their home for 10 years. They'll still have equity. And then they sell their home and use the other part of the equity to move into an assisted living. So it's kind of a strategy. It buys some time because if you have that money, you can have in-home care come and help you.”

“Star ratings don’t tell the whole story. If a plan is below 4 stars in a market full of 4-plus options, benefits can get squeezed.” – Bob O’Connor

“Millions could lose coverage due to service-area reductions. Doing nothing is the worst option—know your Special Enrollment rights.” – Bob O’Connor

“People often chase extras, but the bigger question is: how stable is this insurer over time?” – Bob O’Connor

“For the average person, they only see themselves in their chronic pain. See, they don't realize that they are part of hundreds of millions of others. And that in fact, with that understanding, it shows there's something systemic going on.”

“I think people should start thinking about their pain and what they can do to take responsibility and see how maybe some doctors aren't so great at resolving pain, and maybe there is an alternative that's outside the realm of the norm.”

“It’s a matter of just educating yourself a little bit. Don't throw everything away. Look at what you're using. Concentrate on that a little bit. And if there's something you just can't get rid of, you have that one thing that you just are addicted to. It's okay! But try to start eliminating every other area that you possibly can.”

“According to the CDC, our homes are more polluted than the outdoor air. And that is because of all the products people are using in their homes, bringing in their homes, spraying in their homes, using candles in their homes.”

“If you're going to take a step in the right direction, fragrance-free, free and clear, that's a step in the right direction. I know people are like, well, I use the one that says ‘for allergies’ or whatnot. Good step in the right direction. There are brands on the market today that are a better step in the right direction.”

“If you can breathe better, then you can sleep better. And as a result of that, you have a much more fulfilling and healthier life.”

“And we know that poor sleep is a major risk factor for memory impairment and dementia. In fact, they've shown that people with untreated severe sleep apnea have much higher risk of this dementia and Alzheimer's. And when they treat those patients, it doesn't cure it, but it slows it down.”

“People who have these traditional sleep symptoms like insomnia or waking up too early or going to bed too late, a lot of it is connected to a sleep breathing problem.”

"We treat mental unwellness differently than physical unwellness and we should not. And because of that mental unwellness and has a stigma to it and people are afraid to talk about it. It's the stigma in the workplace. They feel uncomfortable even bringing it up. And we need to de-stigmatize that."

"Forget stereotypes and find flexibility. What works for me might not work for you. Find that flexibility and help people get harmony in their lives coming out of the pandemic. I think we all need more harmony in our lives, both professionally and personally. So, whatever we can do as neighbors, as leaders, how can we help each other get a little bit more harmony in our lives? That will reduce stress, which will reduce the brain issues we're talking about. It will reduce blood pressure, and probably make us have a happier life than working sixty to seventy hours a week."

"Remember that your brain is the biggest user of oxygen and the biggest user of blood in your body. So, anything that's good for your heart, by definition, it's going to be good for your brain."