Crowd Health - How I Ditched Health Insurance and Saved Thousands

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Andy Schoonover - Crowd Health

www.joinCrowdHealth.com

Low Carb MD Podcast: Check out Crowd Health EP: 382

🎙️ Podcast Summary: Brad Williams Interviews Andy Schoonover, Founder of Crowd Health🔍 Key Points Discussed:

In this episode, Brad Williams shares his personal frustrations with traditional health insurance and religious health share programs—citing high costs, poor service, and surprise denials. He introduces his audience to Andy Schoonover, founder of Crowd Health, as a powerful alternative he's personally adopted.

Andy shares the origin story of Crowd Health, born from his own bad experience with insurance when he was forced to pay $8,000 out-of-pocket for a medically denied but necessary procedure for his daughter. Frustrated with the system, he created a peer-to-peer medical crowdfunding platform that empowers members to pay for care directly—at significantly reduced rates.

• How Crowd Health works: Members pay a monthly fee plus a capped contribution to help others. Each medical event has a $500 member responsibility, with the rest crowdfunded (99.8% success rate).

• Cost Comparison: Brad switched from paying $1,400/month with a $5,000 deductible to under $600/month max with Crowd Health for his family of three.

• Cash Pay System Advantage: Members become “cash payers,” avoiding inflated insurance prices and benefiting from Crowd Health’s provider negotiations (often saving 40–50%).

• Personal Experience: Brad’s family visits, prescriptions, and pediatric care were all covered quickly (within 8 days) and cheaper than through insurance or prior health share programs

• Community-Based Funding: Big-ticket medical events (e.g., a $1M gunshot injury case) were successfully funded after negotiation brought costs way down.
  

  
  

If you're interested in online personal training or being a guest on my podcast, "Over 40 Fitness Hacks," you can reach me at brad@over40fitnesshacks.com or visit my website at:

www.Over40FitnessHacks.com

Additionally, check out my Yelp reviews for my local business, Evolve Gym in Huntington Beach, at https://bit.ly/3GCKRzV

Built to Last: A Blueprint for Lifelong Fitness, Mindset, and Vitality After 40

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David Amerland: Built To Last Book

www.DavidAmerland.com

Social: @davidamerland

In this episode, Brad Williams interviews David Amerland, a 60-year-old fitness enthusiast, black belt martial artist, and author of Built to Last. David shares insights from his 47-year personal fitness journey and breaks down the psychological and emotional components of sustaining health and vitality as we age.

Key Highlights:

• David’s Backstory: Martial arts became his mental and emotional anchor from age 13. Despite building a career as a chemical engineer and bestselling author of 19 books, fitness has always remained his personal sanctuary.
  

• Why We Don’t Stay Fit: Built on three years of research, Built to Last explores why people struggle to stay active despite knowing the benefits. Evolutionary biology hardwires us to conserve energy, and modern life rarely requires movement—making exercise feel unnecessary or stressful.
  

• Mindset is the Key: David emphasizes that fitness isn’t just a physical pursuit—it’s an identity shift. When we emotionally connect with our future self and envision who we want to be in 20 years, we’re more likely to act now. This is critical to overcoming procrastination and excuses.
  

• Small Wins Matter: Even one minute of intentional exercise (like 30 squats or 10 pushups) can trigger neurochemical benefits similar to longer sessions. Consistency, not duration, drives transformation.
  

• Fitness Hacks David Wishes He Knew Sooner:

  
  

• • Breathwork: Conscious breathing to calm the nervous system and manage stress.
    

  • Sleep: Its profound impact on longevity and mental health.
    

  • Recovery: Gentler, more intentional training—especially with age—is smarter and more sustainable than going full throttle.
    

• Built to Last Framework

• • Begins with defining what fitness means to you.
    

  • Contains customizable workouts for all ages and fitness levels.
    

  • Designed to make fitness fit your life, not the other way around.
    

• Cultural Trends: The two generations most responsive to fitness due to environmental stress? Baby Boomers and Gen Z. Brad and David discuss Gen Z’s positive shift toward health, wellness, and mental health ownership.
  

• Final Message: It’s never too late to start. Whether you’re 40, 60, or 70+, consistent effort—even in small doses—will transform your body, mind, and future.

If you're interested in online personal training or being a guest on my podcast, "Over 40 Fitness Hacks," you can reach me at brad@over40fitnesshacks.com or visit my website at:

www.Over40FitnessHacks.com

Additionally, check out my Yelp reviews for my local business, Evolve Gym in Huntington Beach, at https://bit.ly/3GCKRzV

From Dry Needling To Mitochondrial Health With Red Light Therapy

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Dr. Mike Belkowski - BioLight

Red Light Report Podcast

www.BioLight.com

Light Irradation Calculator:

Social: @Dr.MikeBelkowski

In this episode of Over 40 Fitness Hacks, Brad Williams interviews Dr. Mike Belkowski, the founder of BioLite, about the health benefits of red light therapy. Dr. Mike shares his journey into physical therapy and how dissatisfaction with the traditional medical system led him to explore alternative treatments like dry needling, cupping, blood flow restriction, and eventually red light therapy.

He explains the science behind red light therapy, emphasizing its ability to reduce inflammation, improve circulation, and boost mitochondrial health. Red light and near-infrared light both penetrate the body to stimulate energy production in mitochondria, which is key for overall health. Dr. Mike also touches on the importance of proper dosage, revealing that many popular red light therapy devices don’t provide accurate power measurements, which can lead to ineffective treatments.

The conversation dives into practical considerations, such as how red light therapy can improve skin health, treat pain, and even enhance cognitive function. Dr. Mike highlights the difference between using red light therapy for surface-level treatments (like skin) versus deeper tissues (like the brain and joints), and offers guidance on choosing the right devices depending on personal needs. He also addresses common misconceptions, such as the idea that more red light therapy is always better.

Brad and Dr. Mike wrap up by discussing BioLite’s products, including portable devices and more extensive full-body panels, and how users can incorporate red light therapy into their daily routines. Dr. Mike introduces his "protocol ecosystem," a free tool on the BioLite website that helps users determine the optimal duration for their red light therapy sessions based on the device’s light irradiance and the condition being treated.

Overall, the episode provides a thorough and engaging discussion about the science and practical applications of red light therapy, focusing on its potential to boost mitochondrial health, reduce inflammation, and support overall wellness.

If you're interested in online personal training or being a guest on my podcast, "Over 40 Fitness Hacks," you can reach me at brad@over40fitnesshacks.com or visit my website at:

www.Over40FitnessHacks.com

Additionally, check out my Yelp reviews for my local business, Evolve Gym in Huntington Beach, at https://bit.ly/3GCKRzV

Women Over 40: Strength, Hormones & Longevity Hacks

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Noah Hodgin - Personal Trainer

www.noahhodginwellness.com

IG: @noah_womenfitness

Podcast Summary: Brad Williams Interviews Trainer Noah Hodgin on Women's Fitness Over 40

In this episode of Over 40 Fitness Hacks, host Brad Williams welcomes personal trainer Noah Hodgin for an in-depth conversation focused on women's health, fitness, and lifestyle strategies from perimenopause through postmenopause. With over 25 years in the health and wellness field, Noah shares his passion for helping women over 40 prioritize their health, especially as hormonal changes, muscle loss, and stress become bigger factors.

The two trainers dive into practical training methods and common issues they see with their female clients. Noah emphasizes a holistic approach that includes:

• Positive mindset and mantras
  

• Strength and flexibility training
  

• Tailored modifications for aging bodies
  

• Core and balance work
  

• Proper form over heavy lifting
  

• Low-impact cardio options (especially in the evening)
  

They both discuss the dangers of overdoing cardio and how it can spike cortisol, especially for women in midlife. Instead, they promote resistance training for preserving bone density and muscle mass, along with time under tension techniques, use of bands, and Pilates-inspired movements.

Other highlights include:

• The value of bodyweight exercises and functional movements for aging populations
  

• How vibration plate training may help with osteoporosis
  

• The importance of quality supplements, especially protein
  

• The dangers of chemicals in food and household products
  

• Encouraging daily movement and hydration as foundational wellness habits
  

Noah shares his top three hacks for women over 40:

1. Prioritize water intake
   

2. Eat small, frequent meals with enough protein
   

3. Focus more on strength training than excessive cardio

If you're interested in online personal training or being a guest on my podcast, "Over 40 Fitness Hacks," you can reach me at brad@over40fitnesshacks.com or visit my website at:

www.Over40FitnessHacks.com

Additionally, check out my Yelp reviews for my local business, Evolve Gym in Huntington Beach, at https://bit.ly/3GCKRzV

How I Use ChatGPT to Master Biohacking Topics : Peptides For Beginners

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In this episode of Over 40 Fitness Hacks, Brad Williams shares how he uses ChatGPT to prepare for podcast interviews, especially when tackling advanced biohacking topics outside his expertise. Brad describes how ChatGPT helps him deep-dive into complex science — like the role of peptides — by explaining it in simple, digestible terms that fit his learning style.

He discusses how he used ChatGPT to understand peptides better before hosting a future guest from a peptide supplement company. Brad explains key concepts he learned, such as how proteins break down into peptides and amino acids, the challenges with peptide supplement absorption, and the importance of bioactive peptides that act as signaling molecules.

Through ChatGPT, Brad discovered why standard oral peptide supplements often fail (due to digestion breaking them down) and explored better delivery methods like liposomal encapsulation, transdermal patches, and sprays. He also dives into why companies are exploring plant-based peptides for broader appeal, better tolerance, and sustainability, despite animal-derived peptides potentially being closer to human biology.

Finally, Brad reflects on bigger questions about influencing the body’s use of peptides and how future technologies like neurofeedback, brain-computer interfaces, and real-time peptide monitoring might one day allow humans to optimize these biological processes more directly.

Brad teases a future episode where he’ll show how ChatGPT also helped him refine his personal eating strategy.

If you're interested in online personal training or being a guest on my podcast, "Over 40 Fitness Hacks," you can reach me at brad@over40fitnesshacks.com or visit my website at:

www.Over40FitnessHacks.com

Additionally, check out my Yelp reviews for my local business, Evolve Gym in Huntington Beach, at https://bit.ly/3GCKRzV

Mushroom Magic & Medicinal Honey: Boosting Longevity

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Juraj Kocar - WYSE Earth Supplements

www.WyseEarth.com

🎙️ Episode Summary – Over 40 Fitness Hacks x WYSE Earth

In this episode, Brad Williams chats with Juraj Kocar, wellness entrepreneur and co-founder of WYSE Earth, about his personal health journey and how it led to creating adaptogenic mushroom-infused products designed to combat inflammation and support overall wellness.

🔹 Juraj’s Transformation Story: Juraj opened up about his early health struggles in his 20s—weight gain, high blood pressure, brain fog, and more—due to a poor lifestyle. Traditional medicine prescribed lifelong medications, but Juraj took matters into his own hands. By radically changing his diet and lifestyle, all of his symptoms vanished in less than six months, sparking his passion for holistic wellness.

🔹 Birth of WYSE Earth: After founding a frequency therapy company, Juraj became deeply fascinated by adaptogenic mushrooms—natural inflammation fighters that support homeostasis. A chance meeting with a business partner led him to WYSE Earth, which combines these mushrooms with organic European honey for a potent, delicious delivery system.

🔹 Why Adaptogenic Mushrooms?

• Non-toxic and safe for daily use
  

• Bi-directional effects (calm or energize as needed)
  

• Work systemically on inflammation, rather than targeting symptoms
  

WYSE Earth’s mushroom blends are crafted by Traditional Chinese Medicine experts and use only high-potency fruiting bodies with a 25:1 extract ratio—far superior to industry norms.

🔹 Flagship Products:

1. Longevity – Full-spectrum immune and inflammation support
   

2. Detox – Supports cleansing of toxins and parasites
   

3. Heart Flow – Cardiovascular health
   

4. Power – Energy, performance, and libido support New product lines are coming soon, including one focused on women’s hormonal health and a mainstream adaptogenic chocolate.
   

🔹 Keto & Sugar Concerns: Each jar lasts about 3 months with one spoonful per day. Juraj reassures keto and low-carb listeners: the natural sugars in honey are complex and can be timed with meals to minimize blood sugar spikes.

🔹 Brad’s Takeaways: Brad relates with Juraj’s journey, emphasizing the importance of synergy across habits—sleep, fasting, mindful eating, and trying natural products. He’s eager to integrate WYSE Earth’s honey into his own wellness routine.

If you're interested in online personal training or being a guest on my podcast, "Over 40 Fitness Hacks," you can reach me at brad@over40fitnesshacks.com or visit my website at:

www.Over40FitnessHacks.com

Additionally, check out my Yelp reviews for my local business, Evolve Gym in Huntington Beach, at https://bit.ly/3GCKRzV

We made the Top 15 Podcasts in CA!

https://podcast.feedspot.com/california_fitness_podcasts/

Beyond IBS: Harnessing the Vagus Nerve for Better Health

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Atavia Minoudis - Gut Reactions Podcast

Instagram: @Atavia.Minoudis

In this episode of the Over 40 Fitness Hacks podcast, Brad Williams interviews Atavia Minoudis, a nutritional therapist specializing in gut health, particularly IBS. Atavia shares her personal journey with IBS, which led her to pursue a career in nutritional therapy after experiencing the frustration of being misdiagnosed and not receiving clear answers. She explains that IBS is an umbrella term encompassing various gut issues, and the root causes can be diverse, including imbalances in the gut microbiome, food sensitivities, leaky gut, and stress.

Atavia highlights the importance of gut health, noting that factors like stress, poor diet, medications, and environmental toxins can damage the gut, leading to issues like leaky gut. This condition causes food particles to leak into the bloodstream, triggering immune responses and food allergies. She also discusses how stress plays a major role in gut health, as chronic stress can lead to inflammation and disrupt gut bacteria, exacerbating symptoms.

The conversation shifts to the vagus nerve, which plays a crucial role in calming the nervous system. Atavia emphasizes the need to strengthen vagal tone through practices like humming, singing, yoga, and deep breathing. These activities can activate the vagus nerve, helping to reduce stress and improve gut health over time.

Brad relates to the topic by sharing his experience with diaphragmatic breathing to manage stress and lower back pain post-surgery. The episode underscores the significance of managing stress for overall health, particularly as we age, and provides practical tips for improving gut health and calming the nervous system.

00:00 Introduction to Gut Health and Vagus Nerve

00:19 Podcast Updates and Upcoming Guests

01:25 Interview with Octavia Moon Begins

02:06 Octavia's Background and Personal Journey with IBS

03:41 Understanding IBS and Gut Health

07:53 The Role of the Vagus Nerve in Gut Health

09:18 Practical Tips for Calming the Vagus Nerve

12:28 Mindset and Lifestyle Changes for IBS Management

14:09 Testing and Probiotics for IBS

20:25 Final Thoughts and Contact Information

If you're interested in online personal training or being a guest on my podcast, "Over 40 Fitness Hacks," you can reach me at brad@over40fitnesshacks.com or visit my website at:

www.Over40FitnessHacks.com

Additionally, check out my Yelp reviews for my local business, Evolve Gym in Huntington Beach, at https://bit.ly/3GCKRzV