Heroes in Business - The Importance of Food Quality and Buying Local with Kyle Ryan and Carter Wilcoxson Founder of CSI Financial Group

Episode Date: November 1, 2024

The Importance of Food Quality and Buying Local with Kyle Ryan and Carter Wilcoxson Founder of CSI Financial Group. In this episode of Health and Wealth Podcast, financial advisor Kyle Ryan discusses his journey into the industry and his passion for helping people with their finances. He shares how his parents' influence and his own experiences shaped his interest in financial planning. Kyle also talks about his podcast, Fresh Finance, and how it helps establish credibility and educate listeners. He emphasizes the importance of finding the right fit with clients and the challenges of client acquisition. Overall, Kyle's focus is on providing education and building trust with his clients. In this conversation, Kyle Ryan discusses various topics related to health and wellness. He talks about the importance of paying attention to the quality of food we consume and highlights the presence of harmful substances in many grocery store products. Kyle emphasizes the need to buy local, organic, and minimally processed food to ensure optimal health. He also delves into the topic of COVID-19, questioning the nature of the virus and suggesting that it may be a synthetic snake venom that has been introduced into the water supply. Kyle shares insights on the role of nicotine in combating long-haul COVID symptoms. Story Notes: 🎙️ Early Influences and Mentality Towards Money  🎙️ Focus on Retirement Planning and Fresh Finance Podcast 🎙️ Challenges and Lessons in Client Meetings 🎙️ Client Acquisition and Outward Marketing  🎙️ Reciprocation and Fit Agenda 🎙️ The Importance of Food Quality and Buying Local 🎙️ Is COVID-19 a Synthetic Snake Venom?  🎙️ The Role of Nicotine in Combating Long-Haul COVID Symptoms    

Shut up and sit down. Welcome to the Health and Wealth Podcast with your hosts, Tim and Carter. What's trending, enrichers? Carter Wilcox, founder of CSI Financial Group here, with my co-host and former wealth advisor, Tim James, founder of? ChemicalFreeBody.com and your new health advisor. This is the show where we reveal the connection between physical and financial abundance. Hey, welcome back in Richard's car to Wilcox and coming to you live slash recorded with

my esteemed co-host, Mr. Chemical Free Body himself, Tim James. And I'm very excited about this, uh, this time of year. I just want to throw this out here right now, Phoenix, Arizona. It is coming into what we call season. So for those of you who know what snowbirds are, everybody flocks to Phoenix, Arizona this time of year for the next six months. And it's the reason why, Tim James, I put up with 112 degree temperatures for four months because it's getting ready to be awesome. The forecast, I'm so excited about this. The forecast over the next five days, it goes 190, 90, 80s, 70s.

It's time, baby. It is time to get golfing out here in this perfect ideal world. Anyway, you know I can't help but bring golf up. Tim James, as is normal is joining us today coming in uh from uh eastern oregon timmy how are you bud i am i'm very happy and i'm very excited to be here and i'm excited to talk with our guest kyle and the weather's good and we're getting stuff done on the farm right now and uh just let's rock and roll nice awesome well uh hey enrichers sit back

and enjoy another episode of the health and wealth podcast show and i want to go ahead and bring in our guest mr kyle ryan uh which i got a funny story about that maybe at some point during this podcast but kyle thank you so much for joining us from uh from philadelphia area king of prussia area uh i guess go phillies as they're playing my Diamondbacks right now. That's right. Go Phillies. It's a red October. Gentlemen, thank you so much for having me.

I'm really excited to join the podcast today. Absolutely. Thank you for joining us. So as is traditional around here, what we like to do is we want to find out, you know, what was your journey like? Like what was it that originally brought you into the industry? Was it something that happened when you were, you know what was your journey like like what was it that originally brought you into the industry was it something that happened when you were you know on your bike and you found a penny and you

picked it up or you know we don't know what it is so you know share with us what was some of the things that led you down this path for helping people in this area of course yep so um i'm a financial advisor certified financial planner um so my my was, I'd say, pretty similar to most people. So I went into college, went to Temple University with just a business major. I went in for finance because I figured that was close enough to business. I like math. Going through my first couple of years, I was a liberal arts university. I couldn't believe my freshman year as a finance major, I was learning about the water cycle in one of my classes.

So you learn about all this stuff. You're still discovering yourself. But I went to one of my finance classes and one of the professors there, they came in and basically described what financial planning was. As I mentioned, you know, I always thought of myself as pretty adept at math. So I like finance for the math, but I also didn't want to sit in front of a computer looking at spreadsheets all day and just kind of being, you know, I'd rather be more social. So the way that it was described in our class was that financial planning is really a mix of finances and behavioral finances, right? Studying emotion, dealing with people's emotion, because, you know, you could have a black and white solution. But unless it's properly explained and communicated, which, by the way, there's never a black and white solution.

But unless it's properly communicated, you know, it could just come across the wrong way. So I really took passion in the behavioral side of it because, you know, that's not it's again, it could just be numbers to some people. But to yourself, when you're looking at your finances, this is your life in the society we live in. So it's amazing to be able to help people from that role, be able to look at money from a different perspective. I am able to be more objective in that way, but let's go back to my coming up in the industry. So I heard this professor come in, kind of explain that portion of it. And I really, really enjoyed that idea. So became a financial planning major, graduated, took my CFP. I interned with a company that, you know, was just fantastic to work with

them. So that's kind of, you know, how I got here. But even taking it a step further, because I had to reflect on this and because this really is my passion, I'm very, very pleased and thankful that I am where I am. But I had to reflect on it and take a step further. I'm very, very pleased and thankful that I am where I am. But I had to reflect on it and take a step further. I'm like, why do I like this portion of it? And I was always that annoying kid to my parents. They had what they referred to as the black box. The black box was the money box.

That's where they kept their budget. Everything was hand. You know, it was 20, 30, 20-ish years ago. Everything was written down um and i always always always i would ask can i help with the budget you know i just want to look you know but no parent would ever tell their young under 10 year old child how much they're making how much they're spending that's not for you to need to know um but i was really really curious um and one day you know my parents they kind of just they sat day, you know, my parents, they kind of just, they sat me down, you know, with the usual, you know, we had an allowance, we did chores, and they sat me down. They just gave

me a kind of a finance 101. You know, they helped me establish savings goals. They helped me, and it wasn't discussing their finances, but they gave me hypothetical scenarios with the amount of money that I could understand at the time, $5 and $10. And I was able to just kind of really develop this understanding. It wasn't quite a passion at the time, but an understanding for the impact that planning and not just being reactionary with your money, but more proactive, the impact that that can have on you in the long term. the impact that that can have on you in the long term. So kind of my upcoming into this was really in college, I just found where I wanted to be and landed there.

And it took some reflection to think that maybe this is where I was always meant to be. Nice. So your parents really did have quite a bit of an early influence on you and the direction that you were headed, simply because of something that they incorporated themselves and you saw that growing up yeah you know i'm sure that you guys might be able to relate but well everyone can relate your youth establishes a lot of who you are and it just that that i think it was the significance of of money and not taking a lackadaisical approach toward it was what impacted me and i kind of just carried through that you know you know working through

high school saving in high school saving in college early on, you know, it's just, it's still that nature in me that, you know, thankfully I carry this day and I'm able to help other people with. Well, talk a little bit about the difference from your perspective, maybe as a kid, if you can think back to this, because which doesn't look like it was too long ago. You still look, you look you look pretty you know yeah um but what was it like sort of mentality because i know that you know the psychology of uh and the emotion of money and everything i'm just wondering did you uh recognize any differences between the way your mom thought about money and the way your dad thought about money or were they always on the same page somehow no uh and real good that's why i keep this right so i can look a

little bit older and a point of the beard um but yes no so um no my parents had different not not drastically different philosophies toward money um but you always knew who to ask if you wanted money if you know what i mean right go to dad to dad, sure. And go to your mom, no. Or the worst case you get from dad is, hey, go ask your mother. But it never reflects the point, right? But to a reasonable extent, of course, right? I'm not asking for the new Xbox and boom, it's happening. It's small little things here and there. So I think that they had different approaches on money, which to me as a child, I do remember thinking about this, and I've had conversations with my parents to this day about how it's impacted me, is that seeing two different philosophies and approaches to money management, even on a very, very broad scale like a child can

see, but it teaches you, in my opinion, that there is no one way to approach money. They each had their own, and I can reflect on this a little better later. They each had their own joint goals, of course, as a family and as parents, but everyone has their own unique individual goals and things that they find more enjoyment out of than maybe their spouse does. So they get to spend more there, right? I golf too. My girlfriend comes golfing with me every now and then. She doesn't love to golf. I spend a lot more there, right? So just seeing their approaches and seeing that there's two, there's many different ways that you can approach money based on your happiness and what makes you, you know, makes you happy about it is that's that's what I think I really took away from that as well. Well, yeah, you know, I was just curious because and we are we are all very individualistic. And, you know, my wife, you know, Christinaina my my better half uh shout out to her we just celebrated 20 years together right congratulations uh thank you and um just this

summer and as as aligned as we are with a lot of the things that we do on an individual basis and this could be anything right it could be it could be, it could be money. It could be the, you know, how you want to, you know, how you want to reflect with your kids and how you want to, you know, do certain things and parenting tactics. And we're all just so very individualistic in the first place. And as much as we get along, we still have differences, right? So I think whenever it comes to, I think your big advantage from my standpoint here, Kyle, is that you got to see parents that were even though there was differences, they were ultimately trying to accomplish the same goal for you. Right. And then now that can help you, I'm sure, as it has, as you continue being on this path of being a financial advisor for other households that have couples, right? That gives you that better insight, I would imagine. Yeah, absolutely. And everything is, there's never really judged, I think it comes down to

being open-minded and not casting judgment to whatever type of relationship it is. I think that's really important. And also maintaining a great level of communication, open honesty, open lines of communication, you know, just while also being cognizant of the other person's emotions. Right. Because, you know, there's one way to say something. And if it's really blunt, it could come across the wrong way. So, yeah, you know, an experience that I really benefited from and I take that hopefully to clients today. Right. So that because every single person is different. that hopefully to clients today right so that because every single person is different I tell those clients all the time while there are a lot of situations that are different people are unique your feelings are unique um and that that's an important thing to take away because at the end of the day you know you got two ears and one mouth

and as someone working with clients you got to listen twice as much and it's important to ask really good questions to understand that. That's awesome. So let's talk a little bit, because I haven't heard anything about siblings. Were you an only child? I had a younger brother. I'm very proud of him. He's currently in North Korea.

He's serving in the military. He's in the Army. So I had a younger brother. He's four years younger than me. And, yeah. Wow. Okay. So then, and you mentioned girlfriends.

So obviously not married or kids or anything yet yes so um temple owls obviously right so what was college like for you and um and maybe before that a lot of the theme that i've noticed and tim's gonna probably laugh about this but a lot of the themes that I've noticed or the trend is a lot of financial advisors tend to play, you know, team sports or some sort of sport when they're growing up. Was that true for you as well? Yes, but my main sport was an individual sport. And I mean, I call it, I was a swimmer.

Yeah. So, I mean, there's team aspects to that. And at the end of the day, you're great as a team, but I was a swimmer. I mean, you know, I played baseball, football growing up, but never really in high school. In high school, I had committed to that. So never really played the team sports at more of a competitive, you know, at the high school, you know, college level. Cool.

So let's talk a little bit about your swimming. Because we've actually had a guest on the podcast. It's been a while back. But he tried qualifying for the Norway, pretty sure he was from Norway, Olympic swim team and just missed making it. So were you at that type of a competitive level? I am not making a national team. I will be the first to admit that.

I consider myself a good swimmer. I could have swam in college, you know, D3, D2. But, you know, and this is maybe something you can talk about in the health side of things, but swimming was the best thing I did for my body on the interior perspective, but on the exterior, it just really took a toll. You know, swim season was in the winter. You're waking up ridiculously early. You're swimming in the morning.

You're swimming at night. Your skin's dry from the chlorine. It's just, it's a different different lifestyle but it is one of its i have never felt better from a health perspective than when i was in the throes of swimming but yeah no it's you know just i love swimming there's nothing like being under the water with like a cap on or something and just hearing the rush of the water through your ears it's such a it's a great feeling it's just great for you but at the end of the day, the lifestyle of a swimmer wasn't for me. I do enjoy team sports. They're more fun. So I'd rather just hang out with friends and play basketball or go out golfing.

Swimming can be time consuming. Yeah. Yeah. And you're, you're in your own head quite a bit, right? Yes. Yes, exactly. There's no one else but you. Yeah, well, that might be the attraction that you have to golf, right? Because golf is obviously a very mental, in-your-own kind of a sport. It sure is. And the best part is when you have buddies there making it worse. I'm asking you for sure. So what was your stroke that you had in swimming? I was a backstroker. So I was a backstroker, and I was more of a long? I was a backstroker. Oh, so I was a, I was a backstroker

and, um, I was more of a long distance, um, freestyle backstroker. Um, backstroke was always really cool. Um, except one time I, which is almost embarrassing. If you're a good swimmer, it's embarrassing to say this, but one time I kind of missed my flip turn and I bonked to the top of my head a little bit and it just shook me a little bit. I was like, you know what? I know where, where I'm supposed to turn. There's flags up flags up there that's that's for the backstrokers to see there's a set amount of strokes and you whip around you do a turn but it just kind of hit me one time and i was like you know and i didn't and i went and then i just kind of specialized in freestyling after that but long distances the 500 um which is it's again you know love swimming, but a 500 is, if you're looking at a typical pool,

it's going to be 25 meters in length, yards in length. So you're talking 20 laps. You have people holding signs under there telling you what lap you're on. Not a fun spectator sport. I always felt bad my parents would go. And it just wasn't as great individually. But again, like you're talking about the team

versus the individual sports, I really enjoyed the camaraderie of being around other people and being able to celebrate a joint win, if you will. You know, again, at the end of the day in swimming, you can celebrate with your team. But at the end of, you know, a basketball or, you know, a football game or a baseball game, go Phils. You know, you're sitting there and everyone's rocking and rolling and excited. So, yeah. Well, I'm so, and I see we're coming up on a break here in a second i want to ask one last question on the uh on the swimming thing because i mean you're from the philadelphia pennsylvania you know philly area right yes how did you decide to get into swimming like what was that influence?

So my local pool, we had a pool pretty close to us growing up. A lot of the kids went there all the time. Parents went there and hung out. They had a summer league. And I sucked at swimming. I don't know if I... I stunk at swimming when I first started, right? But it was just something I kind of got into. I kind of grew into it.

I'm, like, long and lean, so my body's meant for it. And I kind of got into, I kind of grew into it. I'm like long and lean. So my body's meant for it. And I kind of grew into that. So, um, summer I had my, my parents probably just wanted to get, drop me off somewhere. No, I'm taken well care of and summer, uh, summer swim see to do it. And, um, ever from ever since I was probably six, seven years old, um, I had done that all the way up until my senior year of high school. Wow. Well, I mean, I can't even imagine, you know, actually, I mean, being out here in Phoenix, you know, like there's, you can go swimming. We have a swim league at our country club, right? And my daughter even, who works for me now to this, you know, to this day right now, has for almost three years. She was a backstroker in country club league. You know, she was five,

six and seven. And then I'll never forget. She came to me and she's like, dad, she goes, I don't think I want to do swim anymore. I think I just want to focus on golf. And I was like,

yes, yes. Oh my gosh. That's the best thing I could hear. That's, you know, I wasted all those years. I should have just been golfing the whole time.

And I'm going to be out in Scottsdale next weekend. First time out there. Let's go. We're going to have to get all that chlorine out of your body oh dear i'm very concerned you're gonna bring chlorine up i really was wondering if you're gonna bring that up oh god oh my god oh yeah it was dude it's gross you know you just smell like it your hair is destroyed from it see i never i don't know the health behind it but like my body was telling me yeah well it's bleach all right guys well it's a good time to take a pause we're going to take a quick break we get back kyle will start rapping about what

he's doing to keep money his clients money safe and protected over there we'll be right back estate planning what does that even mean when the inevitable happens for everyone on this planet your estate plan kicks into action but first let's start with what an estate is an estate is simply everything you own now here's the issue and what needs to be understood when this event occurs you only have two choices on this plan number one either you plan how your estate gets handed out and distributed to those you leave behind. Or number two, your state decides who gets everything you own. For the first time ever, you can now take complete and total control of this plan that you've been deprived of for most of your life and generations before you.

You can get personalized assistance along the way with a team of specialists whose job it is to make sure you have true peace of mind. It's important to understand that estate planning is a journey and rest assured that our team will be available to you all along the way and at every step. Welcome to eStatePlan, home of the last estate plan you'll ever need. To learn more, make sure to reach out to your local advisor licensed with us or go to our website for more information. What's up, Enrichers? Tim James here with my co-host, Carter Wilcoxon.

Today in the house, we got our good buddy, Kyle. He's been over there saving people's financial futures, protecting them, growing their assets. Kyle, what is it you do over there in your line of work? What's your niche? The majority of the clients and families that I work with are people approaching retirement. People are already retired. They're my favorite kind of people to work with because again going back to the earlier segment of this it's very emotional the decision to retire you know the ultimate question do i have enough and then you

make the decision you retire will i have enough more people are afraid of running out of money that are retired than they are of dying. So going back to the reason why I find that there's a lot of complexities. Everyone, again, is very unique. So as you approach retirement, there's a lot of planning opportunities that you can have that can really make the difference for people's financial plan. And again, on top of that alone, it's the emotional aspect. It can be a very, very, very emotional time period for some people making that decision. Some people delay it because of that feeling. So helping work through that is really what brings me enjoyment in this.

I got to tell you, too, I was looking on your website and under your team, the best team voter is the one of Cooper. Cooper, the rollover specialist. Cooper is the rollover specialist at Menninger and Associates. And it's a dog, and then I got a picture of him rolling over. I forget where I saw it. The rollover specialist. That's hilarious.

That's my colleague Ryan, Ryan Keefe's dog. And I forget where I saw it one time, but I saw it, and I was like, we've got to do that. That's amazing. And he's always in the office. It works well. Appreciate it. Thanks for looking at it one time, but I saw it and I was like, we got to do that. That's amazing. And he's always in the office. It works well. Appreciate it. Thanks for looking at it.

Yeah, no worries. That's awesome. Hey, so let's talk a little bit about the Fresh Finance podcast, too, since we got you here. Yeah. Interestingly enough, not a lot of the advisors that come on to the Health and Wealth Podcast Show have their own podcast. lot of the advisors that come on to the health and wealth podcast show have their own podcast but those that do have one um i find tend to be a lot more successful or on a path for success simply because they've embraced that that medium if you will so talk a little bit about maybe why you decided to start the Fresh Podcast, Fresh... Finance.

Finance, thank you. Fresh Finance Podcast. Talk a little bit about that. And then, you know, what has, you know, transpired since you did start it? Yeah, absolutely. So let me start off with this. I feel like very few people who go out and become business owners, whatever their line of work, realize how important marketing is.

You can be the best person at what you do in the whole world, but unless people know about it, what good is it? So, you know, that kind of that realization, right? So my boss, the owner of our firm has a TV show called Financial Planning Explained. He had that for a couple of years. So what's funny about my podcast, I had no intention of starting it. I had no intention of having a podcast. I had passed my CFP in 2020. Someone on LinkedIn had passed their CFP. And he said, you know, I just passed my CFP. I'm 22 years old. Like one of the, you know, I'm very proud of myself. I'm one of the youngest CFPs who have gotten in. I was like, dude, oh my gosh, me too. And I reached out to him. I was like, congratulations.

That's so cool. Like we got around the same time, same age. And, you know, in a couple different messages, he's like, we should do a podcast. This is pretty unique. Yeah. So we were like, all right, that's really cool. You know, two young guys, fresh perspective, told my mom, I was like, what do you think of your name? She's like fresh finance, came up with the name, shout out mom, thanks. So what we really thought of was, you know, there's a lot of, there's a, you know, we live in a world of social media and, you know, there's a lot of there's, you know, we live in a world of social media, and, you know, the tick tocks of the world, there's a lot of bad financial information out there. Being a fiduciary being, you know, all the things we put through at the go through compliance, you know, that the things we say, you know, I'm not here to say something for the sake of, you know, you know, so so at the end of the day, you know, we started it to one, establish credibility for ourselves, because if we're able to talk intelligently and educate people just on topics with no hidden agenda behind it.

Fantastic. You know, it shows the ability of an advisor to be able to do that or show the ability of anyone to do anything. If you're sharing free education, it shows you are adept at what you're doing. So that's one thing is mostly the credibility portion of it. And then the other piece is, you know, just kind of get it going back to what I originally said, just getting your name out there. You know, I didn't do this to get clients, but being able to post it on LinkedIn and everything, it, people see that, that I went to high school with, that I'm colleagues with around here, just peers, friends, family. I'm like, oh my gosh, that's what you do. And they're like, oh, you know, I have this question for you. And, you know, it's just kind of leads to that. So started it just

because I was reaching out to my co-host, Thomas Elms. And I just was congratulating him. He said, let's do a podcast. And that was about two and a half years ago, something like that. So we've been doing it for like two years and it's been going great. Yeah. So, uh, so how many episodes and how often do you guys record? Yeah, I think, I think we're at 33. Um, we used to be weekly. Uh, we backed it down to twice a week because when you are covering, you know, topics, we just, unless you have guests on like rotating, it's hard to just constantly rip out, you know, a week's worth of every single week and new content that's applicable. So we backed it down in two weeks. So yeah. So you were mentioning earlier that you're kind of sort of the age bracket that you're working with a lot of times. And again, you got the beer so you can look a little bit older than you are, right? You're in your, you know, early

mid twenties. Did I get that right? Yes. Which has nothing to do with your ability or your knowledge because you work at a firm that I'm sure they've taken you under their wing and taught you a lot of the things that you're incorporating. Plus, your mom and dad really helped you with a lot of stuff early on too, right? Absolutely. But what I'm curious about is the podcast and that medium, does that tend to sometimes, or again, I don't know how that benefits you on maybe new clients that find out about you because you were putting that out there on LinkedIn and everything, but does that still bring in that same age demographic that you're typically working with? Yes. So kind of put a little clarity,

like my niche, I don't really consider myself to have a niche, but the majority of clients I work with are retirees, you know, so I work with a lot of my clients, children, right. That are closer to my age. I've got a lot of the 30, 40, 50 year olds. So the new clients I'm bringing in more or less are younger. So, and the reason I have the book that I do of older retirees is the business that I work with. We had merged with another business, the gentleman who ran that business, the advisor there retired.

I had worked with him for a couple of years and I took over that book for him. Um, and I worked with those clients beforehand to transition them. But, um, going back to it. Yeah. I still have a lot of the, you know, like the 20, 30, 40, 50 year old clients. That's most of them coming in. have a lot of the, you know, like the 20, 30, 40, 50 year old clients, that's most of them coming in. But in terms of using my podcast, and for it, if I am, and I don't do like a lot of marketing, other than putting out that external information, and then people reaching out to us. But if I have,

if I have the ability to meet with someone, I won't more or less point them to my podcast, I'll mention and be like, Hey, do you want to go, just so you know, I have this podcast, feel free to peruse it. But it's not something I would per se give them upfront to be like, hey, you got to listen to this because I think it's more powerful sitting across from someone to say,

this is your situation. I was talking about it in a general sense in that podcast, which is great for the educational piece, but let's talk about you. And if I have the ability to meet with them, I think it supersedes the podcast because essentially I can cover in a two hour meeting with most of my podcasts say as it relates to you. Well, not really, but, you know, so I do use it as a supplement for organic credibility. A lot of people see you

have a podcast. I'm like, all right, well, that means they're confident enough to put it out there. But it's not something I use as the marketing tool. I probably could. Yeah. I like that whole, you know, supplementing and everything. And I really believe this. I believe, you know, well, you mentioned your, you know, your boss has a TV show, right? I mean, right, wrong or different. If you have some sort of, you know, media presence out there, whether it be TV or radio or podcasts, which are really easy compared to the former two, right? To start a podcast and do that. I think that there is a level of credibility that instantaneously gives you because of their

perception, again, my opinion, that you're willing to put yourself out there, so to speak, right? It's this, and authors are the same, right? So people put out books, you know, and then they're ghostwritten. But yeah, it's the same thing. You know, you put your name on something, it's out there in the public, whether or not they listen to it, it sets the appearance that, you know, you're well-educated in the subject. Yeah. So you talked a little bit about this. I think this is a great question that I'd love to find out from all of our advisors that have been out there for at least five years doing what it is that you're doing. Five years. and some of the challenges that you maybe had to learn early on in your financial advisory acumen whenever COVID hit and everything kind of got crazy all of a sudden with meeting people in person? Yes. The best way to learn is by making mistakes. I'm a firm believer in that.

And when I had my first client meeting entirely by myself, I just got my CFP. I learned that just because you know something, the context of something, and you're educated on it does not mean you have real world experience in it. And I learned that because I went into a meeting with something I don't quite do anymore in the same sense I did then was an agenda. I had a set thing, you know, things I wanted to discuss in the meeting. I learned from that, not that the meeting went poorly or anything, but I learned from that, that it's not the flow of meetings that I had shadowed in, participated in. It's not something that I realized that I was doing until afterward, which was controlling the conversation, suggesting things and putting out, you know, it's like, okay, well, let's talk about this, right?

It's changed in the way that, yes, you know, any financial advisor you come across, any professional you come across, you really hope, one, that they know what they're talking about. You're hoping that's a given. It's difficult. You know, that's a given. It's difficult. There's a knowledge gap there. You want to interview the professional you're working with, but it's difficult if you just quite frankly don't know the right questions to ask, or if they can just kind of dance around them. So with that is being able to sit across from someone and allow them to interview me still in a way that they're comfortable and like, hey, what's important to you, right? What's important to you

that you want to discuss today? And then let them kind of, you know, take it and we'll just talk about it and just keeping it in a way that, you know, you don't want to go over someone's head, right? You don't want to over explain something, but you want to keep it pertinent, right? Always, you know, we believe that education is our product. The biggest thing that we give out is education, you know, peace of mind, so that people can, you know, we don't make decisions for people, we help them make educated decisions. So I think that's the thing that I learned going, you know, into, you know, these first couple meetings was that, that you just don't know who you're going to come across. And just, you know, you hope that

you are going to be a good fit with the client. Because that's another thing I learned very early on is that not everyone's a good fit, you know, just because I want, you know, I want to work with people doesn't mean that I'm a good fit for them, or they're a good fit for me. And that was something very important to learn early on too, that not everyone's an ideal client. You know, being young in the industry, you just want everyone. You're hungry.

You want to make money, right? I'll take anyone. If you're breathing and you know, let's do it. But you kind of realize that, you know, your mental, you can't work with everyone. It just doesn't work. Yeah. Well, it's interesting that you say that

because one of the things that, you know, that we teach around here, you know, we kind of sort of consider ourselves a practice development organization. One of the things that I talk about and promote all the time are creating a 4A client, right? And those 4As are clients who have the right attitude, with the right aptitude, with the proper assets, who can become an advocate for you, right? So if you can create those four A clients, that is the path and the trajectory to ultimately really grow your practice. And of course, again, around here, we train on how to be able to do that. But I couldn't agree with you more than having a fit agenda. I mean, that's what we call it. A fit agenda is what it is. We're trying to find out, are we a good fit for one another? Because we may not be a good fit for you, and you may not be a good fit for us. And that's fine. No harm, no foul. And I think if you're

honest about that in the beginning, I think that the right fit client appreciates that, that you're actually setting the tone for what it's going to be like as you go down this path. Yeah. Because at the end of the day, you know, if you're the right fit and you have trust, mutual trust, you can develop the greatest relationship. And it all comes down to exactly what you said, you know know a fit and having that trust yeah yeah for sure um so since you were in you know the early stages of growing your practice client acquisition that's what we're talking about here right i mean what was it like during covid and you know how well let me take one step back how were you getting clients in the first place pre-COVID? In this industry, as a financial advisor, when you come out of college,

and I can say this now, five years later, I would never, never hire someone out of college. You have no real world experience. You need to get the CFP, you need to have two years behind a CFP in a firm of a CFP, and then you get to pass the test. If you're not under a firm with a CFP, you need three years. So experience is everything. Now, when you're young, who do you know? You know the kids out of college who don't have money. You know, your parents, you know, your parents, friends and your family who still look at you as a kid. So it's not an easy thing to get these clients immediately out of college. So that wasn't my focus. It never was. And I'm very, again, fortunate that I'm in a firm that that really promoted this was in the first couple of years.

You know, yes, you can service. You can you know, you can sit in background, shadow, participate, be a person, you know, communicate in the, you know, the meeting. Oh, yeah, it's nice. Vacation, little things like that. Right. But you're you're learning constantly. It's such an upward curve of what you need to know because you come out, you understand the basics. But again, you fold reality and people's individual experiences into this takes an entire another level. and people's individual experiences into this takes an entire another level. So by the one that when did I really start kind of proactively reaching out and trying to grow my book of

business? Once I got my CFP, I felt a little bit more comfortable. But when I got to got my CFP, that's again, when I started seeing clients on my own, I was beginning to get referrals because I was working with the gentleman I mentioned earlier, the advisor, who was beginning getting ready to retire. So I was getting I was really developing a relationship with those people. And, you know, for lack of a better word, it was practice with the backup, the guy who had been there the whole time, which is very, if anyone's going to get into the financial advisory business, that's going to someone that you trust, you respect, their clients respect them. And more importantly, they respect their clients because that's a great way to learn learning the right way so how do they start going about getting clients quite frankly um the

way that we really get business and grow our business is you know like most financial advisors referrals but again i think the the best is a funny word the the way that we um get clients is by putting out outward marketing if you you will, but educational material. Again, right? I don't have to, I'm not going to go out there and tell you, hey, I can save you money in taxes, or I can help you retire tomorrow. I don't do magic. Again, it's that information gap and the understanding that everyone's unique and just having a trusted partner that gets you there. I don't, you know, again, yes, I manage investments. Yes. I hope to outperform your benchmark. No, I can't guarantee it. It's about, and I always like saying this one, which is kind of off topic, but it's not about beating the market. It's about maintaining your

financial plan, two different things. So, you know, that's, that's, so again, going back to it is a lot of, we put outward marketing material out there, which kind of clients reach out to us, like, Hey, can we have a consultation? It costs of course yeah yeah that's uh go ahead tim were you gonna say well i'm just gonna say it's you know it's it's good advice especially for um you know those people getting out of the out of college and stuff that want to be a financial advisor get a mentor and then probably if you're wanting to put your money with somebody, you know, I, it's like every industry, you got about, you know, 5% of the people are really good at what they do. And they actually, you know, that's the most important thing. They're really good at what

they do, but then you have to resonate with them. So when you're picking a financial advisor, you really need to pick like somebody that you resonate with and has the aptitude to help you and has proven track record so anyway good advice we're taking another quick break when we get back we're going to flip the script and let kyle ask us any question he wants on health when we return we'll be right back you want the absolute best for yourself and you want it to be easy that's why we created green 85 it helps with detoxifying the body gently we're proud it's chemical free unlike almost all other supplements you'll find bottom

line green 85 will get you healthier we look forward to hearing what Green 85 did for you. To get this product and our other amazing products, go to chemicalfreebody.com. That's chemicalfreebody.com. What's up, enrichers tim james here i'm back with my co-host carter wilcoxon all right kyle this is the you know this is the health and wealth podcast so we talked about your backstory as a human being how you got into financial advising then the wealth part was like kind of what you're doing and now uh how to help people and your practice what your niche is and then now we're at the the health part because without health, what's the point of having money?

Because it's no fun being in pain or suffering, right? Or living in fear. So what questions do you have for me? Anything regarding health? A ton. What is the one thing I'm really curious of? Because you don't know what you don't know, right? When I go to the grocery store, because I'm an average person, my girlfriend and I go to the grocery store, we get our eggs, we get our meat, we get the cereal, we get all the normal things that whoever the average person gets. What are the things that I'm potentially not at all paying attention to? What's the biggest thing that I'm not paying attention to as an average, uneducated grocery shopper? Everything in the store. That's what I thought it would have been.

Well, what a load of crap. You literally have to, it's literally like landmines. Like, I'll just put it to you this way. If you go to a really good ma and pa health food store, and these people are super crunchy, crunchy granola people, they're growing their own food. They have local farms bringing stuff in and all that stuff. They don't use all this crap. There's all organic produce.

85% of the stuff in that store is not fit for human consumption. So given that, can you trust, if you find, in your experience, if you found a brand that you can trust, can you trust it across the board of its products? Not necessarily. It depends because there's two things that happen. Number one, a brand gets started, let's say, as an example. Well, I'll just, you know, let's give you some examples here, right? Yeah.

So this guy, like, lived in a chicken coop. Burpee. And Clorox purchased him in 2007. So what I typed into the browser was who purchased Burt B's. Clorox. All right. For a sum of $925 million. And then they changed stuff.

So this is what happens. Who purchased? How about we do this one? Tom's of maine you guys know that company the toothpaste i actually don't holy smokes they got it was this healthy toothpaste without fluoride that was their big thing and i was just in a walmart didn't want to be in there but i'm picking up medications for my dad and um i saw that uh colgate palm olive aka toms of maine now has a with fluoride brand right next to their one without fluoride and so they start slipping things in so this is a very powerful tool who purchased and then just put in the name of the company and you can kind of see if they've been bought out or not yet because as soon as they get bought out i don't i don't trust them i mean these big corporations

like that i just it's just that's just a simple way to avoid stuff now you have to become a label reader um and even that's in jeopardy nowadays because the organic label i'll give an example we've talked about it before when you go to get produce there's usually three stickers on the produce those little stickers are called PLU stickers, right? If it starts with a nine, that means it's organic, which means nowadays only about 150 or so chemicals are allowed into organic, so it's the best or the worst. If it starts with a four, that means it's conventionally grown,

conventional methods, pesticides, fungicides, herbicides, larvicides, chemical fertilizers. They're tilling the soil. The bacteria have been disrupted. The plants are going to be weak. And then you eat that weak food. You weak. That's what ends up happening.

If that little PLU sticker starts with a three, that means it was genetically modified. Like in a laboratory. It's been messed with. The genes have been messed with. And now I don't know what the new one is going to be. a laboratory it's been messed with the genes have been messed with and now i don't know what the new one's going to be because they're trying to say that genetic edited foods ge ge foods are not gmo but they are right because they can patent those genetic edited foods and by law you can't patent nature and that was uh that was discovered when Dr. Paul Tillet,

one of the top cancer researchers, found out that sulforathane, one of the main phytochemicals in broccoli, was the biggest discovery he'd ever seen at Johns Hopkins in cancer research. He called it phytochemo or plant chemo. So he went and tried to create a product with sulforathane in it from the broccoli,

patented it, and then sell it to people to help them cure their cancer. But he got that taken away from him because he couldn't patent nature. So if genetic edited foods are not genetically modified, how can you patent them? They're nature.

They're not nature. You see what I'm saying? You can't patent nature. It's already been established. So you have to be careful with all this stuff where we're headed to is like and you know people just the reality is is like if you don't start cleaning your air and your water and growing your own food well you know this stuff's being messed with intentionally it really is when you know most people don't like hearing this because like're like, oh, I don't have time to even, you know, for myself.

I don't have time for my kids, my wife. How am I going to grow food? Well, you know, if you want to be around for a long time for your wife and your kids and yourself, then you might want to start looking into these things. Because look around. Look how sick everybody is. Right? Meat is an example. You might want to know this one kyle meat has nitrates and nitrites in them so you definitely want to buy if you're going to buy

meat you'd want it to be completely 100 grass-fed no nitrites nitrates no hormones no antibiotics um because that stuff is in there and if there was it nitrates or nitrites in there then 40 of the meat in the grocery store would be gray in color. And that's what you're eating. It would be gray meat, but it looks red because of the nitrates and nitrates, the preservative they put in there. So is it just Wagyu from now on? Is that how you pronounce it? Well, Wagyu, I think that's baby cows. That's what it is. Something like that. I'm pretty sure they're grass fed. I don't know. Yeah. Yeah. So anyway, it's tough because it's such a big thing. Pretty much everything's jacked.

What we're looking for is minimal processing, buying local, buying local, buying local, getting to know your local CSAs, your local farmer's markets. Go meet some farmers. Start your own garden. Start sprouting in your house with your kids and your wife. You can do this for pennies. Start with one little thing

like lentils or mung beans. Start them. There's no soil required and those will be ready in two and a half days you can start throwing in your food your salads and you know hummus and stuff like that run the risk of a stupid question but is there such thing as a bad seed well yeah if it's not made in nature and it has um or potentially if you know i'm talking about you know modified genetically modified seeds severely hybridized seeds where they've spliced one food with this with that with this with that because they were trying to get um like you know wheat right now they they use they're called dwarf seed so when wheat used to be like four to five feet tall little tiny grains so they've selected the dwarf ones every once in a while,

a little short one to pop up and they grab that and they just keep grabbing those and grab those. And those are the seeds they use now. And they have all wheat. It's about, you know, 18 inches tall. It's that way for production.

It's been, they've taken all those dwarf ones and put them for production, but then they still spray glyphosate on it to help dry the weed out. Thank God. Yeah. This, yeah. Yeah yeah yeah well it was kind of ruined anyway but anyway but um yeah you want to get heirloom seeds and you want to make sure those seeds if possible were not grown in animal manure especially if you're sprouting because the animal manure is where the equine the salmonella comes from um a lot of times and that could be in those seeds, but I've never had a problem with it. I get clean seeds and I use,

when I do use soil, I use a clean potting mix and I've never had an issue. Okay. I'm going to throw it out of left field for you. Totally off topic. Because we were talking about a little bit earlier and like the introduction of, you know,

my career and COVID and everything. So I have a very loose understanding and I don't go to the doctor as often as I should. So I'm going to ask you, I understand that COVID is a vaccine. Can you just give me a little bit more background on how they understand? I understand it's a vaccine, but just kind of break it down for me. What do you mean? What do you mean? Excuse me. I'm sorry. I meant virus. I meant the word virus. It's a virus. Okay. Well, the interesting thing about COVID is that nobody's ever been able to show the virus. You guys seen that? They talk about a spike protein, don't they?

But there's nobody ever talking about the virus. Where's it at? Nobody's been able to prove that it is a virus. And so what I'm about to tell you is going to be quite shocking. And for the listeners out there, you might want to stick around because this could save your life and it could save a friend's life. You might want to forward this episode out to people. We're trying to get this information out, Kyle, to as many people as possible. So I'm glad that question was asked. So, well, so what ended up happening was I do a lot of of i have my own show called the health hero show i interview a lot of people back in the middle of this i had dr brian artist on and um the title

was you know how hospital protocols are killing us basically it's episode 84 of my show if people want to go back and listen to it and um actually he had a friend come on dr ben marble that was there too and so we talked about the protocols and why this medical doctor, Dr. Ben Marble, walked away from the medical system and his license and everything for what they were doing at the hospitals. And what they found out was, is that remdesivir, that drug remdesivir, it was supposedly the only drug that was allowed but it had failed that drug had already failed miserably i think two different times and they noticed that over a third of the people would have like severe the symptoms of covid basically it was the the kidney failure

and the lungs filling up with the with the fluid and all that stuff. And acute renal failure. And then they put them on ventilators. And they would die. So they ended up putting this remdesivir out there. And making it the only thing that you could use. Even though hydroxychloroquine was working. Ivermectin was working. Budesonide was working. Through nebulizer.

I mean like Dr. Richard Bartlett had 100% success rate with Budesonide, an inhaled steroid in these nebulizers. They had all these things working. You have to understand, anything coming out of the media is a complete bullshit lie. It's all choreographed. It's like WWE wrestling. It's a big show. And so whatever they tell you is not true.

So what Dr. Artis, and then I am running into him again about less than a month ago, and he shared this information with me that I'm going to share with you, and it was quite unbelievable. So back then, just to finish up before I get into the new stuff, on the remdesivir stuff, And, and that was, that was pushed and pushed and pushed. Okay. And we had all these people going into the hospitals, these been using these protocols and they're dying.

And they're like, how, how's this happening? It's like, it's starting in the lungs. And then it ends up with, you know, this virus then spreads to the kidneys.

There's no way a virus is going to go from the lungs to the kidneys. It's just not going to happen. Okay. It's just, it's not going to happen. And so they thought this was what's going on. All the doctors were like, oh, we don't know what we're doing. And they just keep doing these protocols. And you saw all the people that died. In fact, I've, even though it was reported, it was 145,000 hospitalizations. That was actually

for the vaccine. Excuse me. So when the vaccine came out from the vaccine, there was 145,000 hospitalizations, 1.2 million adverse reactions that were reported, 4,400 miscarriages, 26,000 deaths, and 48,000 permanently disabled. That was just from the vaccine, the vaccines. Okay, so what is COVID? So this is very interesting. So it's just so you guys can't even believe what's going to happen. So let me just share a screen with you. I'll paint a picture here. I'll share a screen again.

Should be coming online here pretty soon. And what do you guys see here? The future of medicine. Okay. January 11th, 1999. What we're looking at is the time magazine cover this was a special issue and on that cover carter what does it read the future of medicine says the future of medicine

and behind it is a double helix strand and one of those strands is a snake all right now down to the bottom how genetic engineering will change us in the next century? Let me repeat. This is the front cover of Time magazine, January 11th, 1999. How genetic engineering will change us in the next century? And again, look at the picture. Double helix DNA and half of that DNA is a snake. Double helix DNA and half of that DNA is a snake. All right. So we talk about this war.

This is like a health war or whatever, but you're going to see this as a spiritual war. All right. So the snake. Okay, so we got that. Now, let me see here if I can go to the next thing. So check this out. So, this is another article right here. August 24th, 2021.

Like venom coursing through the body, researchers identify a mechanism driving COVID-19 mortality. Researchers have identified what may be the key molecular mechanism responsible for COVID-19 mortality. An enzyme related to neurotoxins found in rattlesnake venom. Let's go to the next one.

This is out of the University of Arizona, the news. Now, Tim, I mean, and for our listeners, obviously, they're just listening, so they can't see this. But on our end, we still sell you the time magazine cover so you'll have to oh that's because yours isn't like the zoom thing so it's a little bit different where are you guys out there okay you're here you're here okay so i actually have to do it all right so i'll stop sharing but anyway so like so i'm looking at these we're looking at these articles and stuff and we because we went. Artis went back and he started looking this stuff up because they eventually said it was bats, snakes, and monkeys and all this other stuff. Wet market, right?

Yeah. Right. And so it came out of there. But then all of a sudden it's like when people started talking about the snake stuff, then it was like all these fact checkers come out. No, no, it wasn't. It wasn't. It wasn't. But we have research here saying they're like, hmm, this looks like snake venom. This was like all these fact checkers come out no no it wasn't it was it wasn't but we have we have research here saying they're like this looks like snake venom this looks like

snakes and it's like how could you like what snake venom how does that even make sense so but if you go look at if you go look at a lot of pharmaceutical drugs they're actually made from snake venoms cone cone snails very dangerous very poisonous uh snail sea sponges um i even have one right here i mean there's a new there's a new one out from the banana spider that they're using for erectile dysfunction to give guys hard-ons the venom yeah you might die one of the side effects is death but you'll die with a hard-on you'll die with a smile on your face yeah going out the way that's amazing right so yeah so it's venoms and there's there's particular things in these venoms that cause these issues right now here's the here's

the crazy thing right if you get bit by a snake and you suck the blood you suck and trying to suck the venom out of your hand or somebody else's leg or wherever they got bit and then you spit it out you know what happens to your taste and your smell for six months to two years oh you lose your taste and smell you lose your taste and your smell and you get tinnitus and your brain doesn't work have you ever heard of something called long-haul covid yes what happens to long-haul covid people lose the taste sense of taste and smell lose the taste lose the smell won't go away right and so the pieces keep assembling don't they all right so it's so crazy then there's this guy this uh chinese born professor uh his name is bing lu and he's about ready to come out with um this breakthrough he's

been these scientific findings the studies on covid, and then all of a sudden, they say it was a murder-suicide, some type of a relationship type thing. But some people think that he had figured this out, what Dr. Artis had brought out. And what it is, is like, it's basically snake venom. That's what it is. It's snake venom that's been synthesized. So it's the synthetic form basically snake venom. That's what it is. It's snake venom that's been synthesized. So it's the synthetic form of snake venom that's been getting into us.

Now, what's interesting is that we have these things called. I'm going to. Now, here's the second piece. I'm going to. We're going to bring it all together. We have in our in our cells. Have you guys heard of endo? Excuse me.

Have you heard of endocannabinoid receptors? No. OK, that's that's been that's been a big thing. Excuse me, have you heard of endocannabinoid receptors? No. Okay. That's been a big thing. It's like with the CBD market. People are like, well, you have all these endocannabinoid receptors, so it makes sense. I'm not talking about THC. I'm talking about the CBDs, these endocannabinoids, right?

Why would God put all these endocannabinoid receptors in our body if we weren't supposed to have that in our system kind of makes sense well did you know that one of the most proliferous receptors you have in your body is nicotine receptors you have nicotine receptors in all of your all of your cells in all of your body like all of your epidermal cells which is pretty much every cell and your body your everything. And so snake venoms, these snake venoms attach to your nicotine receptors. Interesting, right? So what happens is when you suck that venom out, it would go attached to the nicotine receptors

and that's where the lack of taste, the smell and the hearing and all that stuff was happening. Here's the interesting thing. People that were smokers hardly got COVID at all. They hardly got COVID at all. Now, the government came out and we used our tax dollars, and they said that smokers, there's never a better time to quit now. You're at higher risk than everybody else.

But all the data showed that they hardly even got covet at all there was hardly any of them getting even into the hospitals okay so it was it was complete fabrication by the government and people can go look this stuff up okay smokers didn't get it so why is that well because they had all this nicotine flowing flowing through their system nicotine in its natural form from the tobacco plant or from the eggplant, which is one of the highest sources is eggplant. Did you guys know that? No. Wait, nicotine in eggplant?

Eggplant is very high in nicotine. So is white potatoes has it. The tomato has it. Green tomatoes actually I think have, it was like 4,000% more nicotine in than a red tomato. And so there's the cruciferous vegetables. Cauliflower has nicotine in it. So if we have all these nicotine receptors in our body,

and God put all that stuff in all of our food, we're supposed to have nicotine, right? So, but how does it work? So if you have snake venom attaching, these synthetic snake venom, synthesized in the laboratory into your body, however it got there, we'll get to that, and then it blocks those receptors. Why is it then when you put nicotine in the body that the long-haul COVID symptoms go away?

It's because the natural form of nicotine will go in and bind to that cell, that nicotine receptor, excuse me, at 30 times the bonding power or polarity than the synthetic version because it was naturally made for it. So it comes in and dislodges it, and out the body it will go. And this is why what you can do is people with long-haul COVID, you put a 7-milligram nicotine patch, which is a very low dose, on your arm and change that patch every day for six days,

100% of your long-haul COVID symptoms are gone. I have a client who's suffering from that. Yeah, of course. And then I'd like to hear about the results. Get back to me on that. So if you think about this, then it was like, well, how are they getting it into us? Well, it was put in our water supplies in all the city municipalities. It's snake venom. The government even tested. They were like, how does chlorine affect these monoclonal antibodies because i don't know if you guys remember do you guys hear that term where they

were using monoclonal antibodies for covid yeah and they were having like 100 success rate when you look up monoclonal antibodies almost 90 of them come from snake anti-venom oh that was one of the things that's what monoclonal antibodies are they're snake anti-venom oh that was one of the things that's what monoclonal antibodies are they're snake anti-venom where they actually take the venom inject it into a horse let it run its course for a little bit pull it back out dilute it and get it all out of there um and then that becomes the antidote right so the things that joe rogan was taking whenever that whole big uh thing came up um and yep and then they tried to outlaw being able to get those monoclonal. Yeah, right. So if

monoclonal antibodies are snake anti-venom, the question would be then, why do they work 100% of the time when somebody has COVID? Is COVID snake venom? I mean, we just brought this up, right? Yeah. Yeah, and that's what it is. It's actually

from the Krait snake. K-R-A-I-T, the crate, Asian crate snake and the king cobra. Pretty interesting. So for people who have the vaccine work, or I guess if you. Well, this is, we're not even talking about the vaccine. This is how they got it into you. Oh. They put venom in the water and then it got into your system, and it attached to your nicotine receptors, and you got sick,

and then it started doing its job, which is thinning the blood or coagulating the blood. I think there's like 54 or 58 drugs that are made right now out of snake venoms. I think 18 of them coagulate the bud and the rest of them thin the blood because then if you get bit and stuff like that, you'll bleed out or it'll slow down your heart rate. It stops your diaphragm from moving. It's all about paralyzing the victim

so the snake can then go grab it, smell it out and get it after it bites it. This happens all the time in nature. It's very amazing how this works. But with the smokers, they had the nicotine flowing through their body, and so they were just keeping clean. And so the people that I know right now that are in the know, they're wearing a nicotine patch every day because this stuff, it's in the water.

And there's a documentary out there. It's called Watch the Water. You just type in Watch the Water, and then it was in Stu Peters, and then it has the whole interview there, and you guys can watch this, and it goes into more depth but the bottom line is is that you know covet is not a virus covet is the crate snake and the king cobra snake in a synthetic venom that was made in a laboratory that was put into your water supply that's what ended up happening and for long haul covet you know the other big part of here is like but people are like me are gonna be like nicotine's addictive. And so I knew, you know,

I have a pretty good idea about putting things together when I see a few things happening. And I remember quite a few months ago, I have, we have a lot of clients that are trying to get rid of this long haul COVID stuff. And then I I'm calling all over the place, my contacts, and I have a contact Cling Hearts Institute, the Sophia Institute in washington state very well renowned natural healing doctor he's got a clinic i think in germany and over here in the states and um and you know people coming to him for you know all kinds of stuff you know so cancer uh autism you know stuff like this and also long-haul COVID. And I heard she said they're using nicotine. I was like, nicotine? What the hell?

Well, I guess if it works, but it's really addictive. And I didn't think much of it, but I started telling people. I heard that I had no proof of it, but I heard that people were using nicotine for COVID and long-haul COVID. And I really didn't think much of it then when i went to the hypocrities wellness center i talked to the manager there and he was like oh yeah i use these nicotine for mental clarity like a nootropic i was like oh wow and i i knew this guy was really into health but i'm like why is he doing the nicotine shit's addictive well then i met dr artist and then when going through this study we found all these studies and stuff he found out

that was snake venom it's very interesting harvard university it was like 2015 2016 actually did a study on nicotine to find out why it's so addictive and the conclusions were it wasn't addictive at all not at all zero nicotine is not addictive at all and they couldn't figure it out so they had to do a foyer request to get the records to find out for soup to nuts from growing the tobacco and what they found out was is they hired some chemist and they put in let me see if i can i'll share screen again so you guys can find this well i gotta find the one where's it at well guess what they found out they found out that there is a substance that the big pharma or not big pharma but big tobacco put in to their leaves of the tobacco and into the paper that here it is it's called pyrazine pyrazine is highly addictive highly addictive and so they put the pyrazine in into your tobacco

and um i'm just going to read there's down here there's something i was going to read i think i had it all outlined oh maybe not here it is pyrazines may help to optimize nicotine delivery and dosing and promote addiction through cuing, learned behavior, and our direct effects. So that's what the paper. So pyrazine. So nicotine is not addictive. It is pyrazine. So we don't have to worry about nicotine because we have nicotine receptors. And God put them there and we're supposed to have nicotine in our body. So here's the deal. The COVID is not a virus. It is a synthetic snake protein that was put into our water supply and it grabs onto our nicotine receptors and starts shutting

down our diaphragm, our immune system and stuff like that. Then when you go into the hospital, the protocols are designed to finish you off. Basically, that's what's happening. That's exactly what's happening. This can all be proven. It's all when we have all the papers you can line up across all the t's and all the i's but take anybody right now that has long haul covid put them on a seven gram nicotine patch for seven days or have them chew you know some nicotine gum and watch what happens well you know what you know it'd be interesting about that you know know, Kyle, of course, you got to convince someone to try that. But I'm sitting there thinking to myself, well, from what I've heard, right, from long haul, which I don't know a lot of people with long haul. I actually have one of the my an advisor I work with out here in Phoenix, Arizona, was talking about her long haul and everything.

And I got to think to myself, they might be to a point where if it's seven days, they'll try anything. If you're telling me that this thing right here, that you stick it on my arm, it's not addictive or whatever, that you're telling me in seven days I'm going to have some sort of a relief from what I'm dealing with, I would venture a guess that they might give that a shot. Six days, Carter, six days. Sorry, six days. Seven milligrams, six days. And, you know, a right six days what's the seven milligrams six days yeah and you know a lot of people are wearing like dr artist he wears a three and a half milligram

patch he took by the 21 milligram cut it into strips and slaps it on every day um we're looking also into creating a product now that's concentrated with if we can get eggplant concentrated enough to do it and have it or even extract it from the tobacco that has not been laced with pyrazine right and get that into people and have a some type of a supplement or tincture they could take um so they don't have to go you know puff on a cigarette or wear a nicotine patch you know the nicotine patches for me scare me because the pharma makes them and as soon as the shit gets figured out they'll probably start putting something else in the patches to mess it up or you know what i'm saying and then and then now there's a big push by all the major countries are like we're going

to get rid of tobacco that's it now and joe biden just signed something to he's lowering the amount of tobacco being used right in in like cigarettes and stuff like that so very interesting right yeah very interesting and again like i always tell people go home and get your own, you know, do your own research and stuff like this. But it's clear as day. We know exactly. There's no way that all of the symptoms and stuff, they match up identically to snake venom. And guys, there is tons, tons of this stuff. I mean, I've got like, I mean, and we showed you.

tons of this stuff i mean i've got like i mean and we showed you remember back to the they told us back in 1999 how genetic engineering will change us in the next century we didn't even get to the mrna vaccine yet so those mrna vaccines are actually injecting this code in and so it can go into e coli in your system it can go into yeast hijack those cells and even now human cells and get your cells to start spitting out and making the venom. So your body just starts making it. Right. And so this is very interesting. So people got to get healthy and they got to get some nicotine in them and they got to get cleaned up because you're just going to keep making it, making it, making it until eventually it just shuts you down. Should I not quit hitting the vape a couple of years ago?

Got me through covid but yeah yeah yeah vapes and cigarettes you know probably last ditch effort but you know something that's you know a nicotine patch i guess or an edible is probably better but whatever you know what it's just like whatever but it's it's like advertised right in front of your face how genetic engineering will change us there's a double helix and half of that helix is wrapped in a snake, you know, it's like, and then all this stuff and where it's like, and you know,

and I, I don't know if I, I pointed out all these other ads, uh, these other articles, but you guys, I mean, here,

let me just prove it even more. I'll go in here to screen share. And, um, what does it, what does that say right there, Kyle? prove it even more. I'll go here to screen share. What does that say right there, Kyle? Snake pneumonia. Coronavirus outbreak in China traced to snakes by genetic analysis.

There's one right there. Watch this. I'll just grab this one. I know you can't see it, but let me just drop it in here because this is the one that is. Drop this one in here. Now, this one's on CNN, and this is January 24, 2020. What does that one say, Carter? Snakes could be the source of the Wuhan coronavirus outbreak from CNN Health.

Yeah, CNN. Snakes, the Chinese crate and the chinese cobra i just we talked about that before maybe the original source of the newly discovered coronavirus has triggered an outbreak of a deadly infectious respiratory disease in china this winter i remember this is this is 2020 january right this is before all hell broke loose. The many-banded crate, also known as the Taiwanese crate or the Chinese crate, is a highly venomous species of lapid snake found in much of central and southern China and Southeast Asia. The illness was first reported in late December of 2019 in Wuhan, a major city in central China. It's been rapidly spreading since then. Sick travelers from Wuhan have infected people in China and other countries, including the United States.

Using samples of the virus isolated from patients, scientists in China have determined, which we've never seen the virus, though, the genetic code of the virus used to microscopes to photograph it. They're looking at the spike proteins. The pathogen responsible for this pandemic, a new coronavirus coronavirus is in the same family of the viruses as a well-known severe acute respiratory syndrome, SARS-CoV-2 and Middle East respiratory syndrome coronavirus MERS, which have killed hundreds of people in the past 17 years. Right. So anyway, it's, they basically went through and these proteins were from snakes. So. Well, you know, that's, you know, that's interesting. And I know that we're winding down here for the

Health and Wealth Podcast show. We could probably go on. We're testing it. It's enough. You guys can go home and do your homework on this. Nicotine's not bad. We've been lied to. Coronavirus is not a virus. It's snake venom, synthetic. It's been put in your water. The solution is build your health back up. Make sure

you have nicotine in your system. Probably stay away from jabs unless you want to you know you want more issues so well what else can you say what i was going to say though and then uh we'll uh we'll wind this whole thing down though what's interesting is the whole um you know all of the media that was jane that article cnn health january right end of january 2020 everything that was being pushed out there was the wet market and the bats right everything was that and then all of a sudden well maybe the origin of it was a little bit different so i find that article actually very interesting that that was so early on but then here we are full circle uh i'm gonna have to research that myself. And

I'm sure that our listeners are going to maybe do a little bit of that research as well. So Kyle, thank you so much for coming onto the podcast and sharing your entire backstory and everything. I'm assuming we gave you maybe more than you were expecting to get today. Guys, this is amazing. Again, I really appreciate you having me on. Tim, that was really just fascinating. You're definitely going to, now I've got an hour to go research some stuff. But that was amazing, gentlemen. Thank you guys for having me on.

I really appreciate it. I'm a big fan of the podcast. Thank you very much. Hey, so, enrichers, thank you so much for joining us for another episode of the Health and Wealth Podcast. So, enrichers, thank you so much for joining us for another episode of the Health & Wealth Podcast. And to be able to see all of our previous guests, like the phenomenal Kyle Ryan, not to be confused with Jake Ryan, right? Jake the snake. Anyway, I digress.

You can go to our website at www.thehealthandwealthpodcastshow.com. And make sure to like, share, and subscribe wherever you get your podcasts, Apple, Spotify, or Podbean, wherever you get yours. And also we're going to make sure in the show notes, we're going to show you how you'd be able to get to the Fresh Finance Podcast so that you can listen to our guest, Kyle Ryan. So for my esteemed co-host, Mr. Chemical Free Body himself, Tim James, I'm Carter Wilcox, and CEO and founder, CSI Financial Group. Thank you all for joining us for another episode. Kyle, again, thank you so much. I know it's late there on the East Coast. I know we got to go watch our Diamondbacks and our Phillies. Go play me. We can tie it up by the end of the night. Yeah, we'll see. Thanks, guys.

Thank you very much. Until next time, we'll see you on the Health and Wealth Podcast. Thank you, everybody. Hey, enrichers. Thanks for tuning in to another episode of the Health and Wealth Podcast. I'm your host, Carter Wilcoxon. And I'm your host, Tim James. And by God, we are committed to helping you guys have fat wallets, flat bellies. So tune in again for another episode and make sure to like share and drink a lot of water or fear you have just listened to the health and wealth podcast

with carter and tim