I didn't have to change my cash flow. I never took any additional risk or lose or lost control of my money. I simply added one step in my financial life. So, I became really passionate about this concept. “

“I do very well. I don't starve at all. I don't miss meals. I do well. But I do take a 60 to 90 percent cut in my commission because of the way I design the policy. And I design the policy this way because it's the way I design my own policy. I am an open book. I show you everything that I'm doing in my own financial life and my own policies. I don't have anything to hide.”

“I thought to myself that these guys are basically throwing up all over me about how this is working financially in their life. So I thought to myself there had to be something to this method, right? There's no way that eight or ten of my colleagues are lying to me. Maybe one or two, but not eight or ten. So I came home and I told my wife in February of 2008, I said, honey, we've got to start implementing this concept in our life.”

“ I'll give you this example. I actually work with a very large apartment complex. I've been working with them for almost 15 years now. For a lot of the residents who are on the top who are non-ambulatory, they're not walking down the stairs.We actually gave them a sled. It's an inflatable sled.”

“I can look at your backpack and without asking you a single question, if you follow the method that I've laid out for you, you don't have to tell me a single thing. I could tell you in your backpack where your primary evacuation location is going to be and where the secondary location is going to be. I should be able to say the city, the location, and how to get there. I should have the key. I should have everything. The security code to the house, all that stuff. Because you don't have to write it down. It should be in there.”

“Execute plans. Don't just plan. It's the execution. Let's move the other piece. Let's pretend, let's not pretend this is real, right? You've got a lot of our listeners that are people with aging parents, not necessarily living anywhere close to them either. So how does getting prepared or helping them or doing it for them change when you might need to help somebody else quickly and that somebody else might not live near you?”

“I spend all my time facing the job market, so I’ve got battle-tested expertise and insights that I think will be helpful for your audience. And on the ageism side, I’m over 40. Up until I turned 40, I wasn’t part of any protected class. There are things people can do strategically to get in front of decision-makers and ultimately get hired.”

“When you submit your resume, or when someone is looking at you as a candidate, they will Google you. You will have a LinkedIn profile, and they will look at it. If you have anything else out there—photos of you being a Boy Scout leader or whatever—that’s fine. They’re just going to see all of it.”

“ Personality is a big piece of it. You’ll hear people say, “They were great technically, skill set-wise, but I just don’t see myself grabbing a sandwich with this person.” If you’re going to spend a third of your life—or more—at work, you want to be around people you genuinely like. People who are authentic, selfless, and team players.”

Infrared, for example, is direct because it’s so superficial. But yes, that’s why there hasn’t been as much work on the heart, for example, because the heart is quite deep, right? There hasn’t been as much on the kidneys because the kidneys are quite deep. But we now have publications on kidney function with red light therapy, and this has been done by one of our PhD candidates.

These studies are from a hospital called Royal North Shore Hospital in Sydney. So yes, we’re studying this now. There are direct effects, and there are indirect effects. An indirect effect is called a scopal effect. If you think about acupuncture, how does acupuncture work for your back pain? It’s not really directly affecting the disc that’s bulging, right?”

“This is a question I address almost daily with my patients. A very common scenario is that I meet someone for the first time after they’ve had an acute heart attack—often while they were away on holiday, hundreds of miles from home. They were resuscitated, they’re doing well now, and they come to see me for what they call ‘prevention.’

I say to them candidly and humbly: the best time for prevention may have already passed—it probably should have started 20 years ago. But the second-best time is now, today, right here. And that matters, because while there is strong evidence that some damage can’t be fully reversed, there is still so much we can do starting from this moment forward.”

“We’ll unpack why traditional college savings plans can quietly sabotage your future and how to use home equity and cash flow more efficiently—and even how business owners…can turn college funding into a smart tax strategy.”

“If you have filed the FAFSA and no one looked over it, it is the equivalent of writing your college dissertation without any edits.”

“We took the SAI from fifty thousand dollars and got it down to three thousand…It’s a hell of a lot more than just ‘oh, I’m going to take money and dump it into a 529.’”

“Help me reshift or rethink about what 401Ks mean to the individual, and entrepreneurship doesn’t just mean someone that owns a company with 150 employees. Business owners have a huge advantage in terms of what’s available to them and for tools, like tax tools, right? And so if you’re a solopreneur or you’re an independent contractor or you have a side hustle…you have something available, which is the 401K, because you are self-employed.”

“A lot of people think that $23,500 is the maximum you can put into a 401K. And the reality is, once you’re a business owner, you have this self‑employed income—you don’t need an entity, you just need to have self‑employed income. As long as you’re showing that income, you can unlock this 401K. But once you do that, now we’re talking $70,000 of contributions you can put into a 401K. And even on top of that…multiple six‑digit contributions that you can get into these things.”

“In reality, it’s a tax strategy. It just has to be looked at that way. And when you do that, it just unfolds more opportunity to help scale your business or to buy more franchises or whatever it is—buy real estate, things like that. It’s just knowing how to do that and finding the tools to do it that way.”