The A&G Replay Wednesday Hour Three

Summary

Podcast Summary: Armstrong & Getty On Demand Episode: The A&G Replay Wednesday Hour Three
Hosted by: Jack Armstrong & Joe Getty, Presented by iHeartPodcasts
Release Date: July 2, 2025

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1. Welcome and Introduction

The episode kicks off with Katie welcoming listeners to a replay of the Armstrong & Getty Show, emphasizing that despite being on vacation, the hosts have packed the hour with engaging content.

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2. Self-Improvement Regimen: 75 Hard

Katie introduces the topic of the "75 Hard" challenge, a rigorous self-improvement program that spans 75 days. She contrasts it with her niece's "60 Medium" list, highlighting the intensity of the former.

Key Points:

• Program Requirements:
  • Workouts: Two 45-minute sessions daily, one indoors and one outdoors.
  • Diet: Strict adherence with no cheat meals or alcohol.
  • Hydration: Drinking a gallon of water each day.
  • Reading: Reading 10 pages of a self-improvement book daily.
  • Progress Tracking: Taking daily progress photos.

Notable Quotes:

• Katie: “You take it way too far. You're not gonna go to the gym and work out for an hour every day. You do it for a couple of days and you quit.”
• Ryan Seacrest: “You have to set modest goals. Two 45-minute workouts. Yeah, gotta.”

The hosts debate the sustainability of such extreme regimens, with Ryan admiring a friend's disciplined approach to abstaining from alcohol over extended periods, while Katie advocates for more attainable goals to ensure long-term adherence.

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3. The Concept of "Nudge Words"

The discussion shifts to the emerging trend of "nudge words," a term Katie adopts from her 25-year-old daughter, who uses it to symbolize her values and intentions for the year.

Key Points:

• Definition: A nudge word helps clarify personal goals and reflect core values.
• Examples: Words like "ease," "pivot," "wonder," "pause," and "bliss" are mentioned.
• Application: Ryan explains how nudge words can guide actions and foster desired personal traits.

Notable Quotes:

• Ryan Seacrest: “A nudge word can help you clarify your goals. It can symbolize your values, help you set intentions and guide your actions in most, if not all, areas of your life.”
• Katie: “Grateful would be a really good one to try to stay in.”

The hosts exchange humorous and serious examples of potential nudge words, with Ryan jokingly suggesting "vengeful," which leads to a light-hearted debate on the appropriateness of such a term.

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4. The Pressure to Be Grateful

Katie and Ryan discuss the societal pressure to constantly express gratitude, which they argue has become overbearing and sometimes inauthentic.

Key Points:

• Critique of Gratitude Trend: Overemphasis on gratitude can feel forced and dismiss genuine emotions.
• Anecdote: Ryan shares an amusing story about dish towels emblazoned with gratitude messages, highlighting how pervasive the trend has become.

Notable Quotes:

• Katie: “That's the most annoying thing I've ever heard, certainly this year.”
• Ryan Seacrest: “These things become such a craze. Oh, yeah, whatever. That's for you. Goodbye. I'm, I'm busy.”

The conversation underscores a generational divide, with gratitude trends resonating more with younger women than men, leading to playful teasing and expressions of frustration.

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5. Media Focus: Elon Musk vs. Donald Trump

A significant portion of the episode is dedicated to analyzing the shift in media attention from Donald Trump to Elon Musk.

Key Points:

• Observation: Over the past decade, mentions of Elon Musk have surpassed those of Donald Trump.
• Speculation: Ryan suggests that the media might be redirecting focus to Musk as a strategic move to dilute Trump's prominence.

Notable Quotes:

• Katie: “The name I heard the most as I went through all my different channels on TV and radio was not Donald Trump. For the first time in nine and a half years.”
• Ryan Seacrest: “Maybe we can stir people up with that. They're desperate for a message.”

The hosts debate the implications of this shift, pondering whether it's a deliberate strategy by media outlets to manage political narratives.

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6. Transgender Inmates in Prisons

Craig Gottwals introduces a controversial topic regarding the prevalence of transgender inmates in prisons, citing statistics that suggest 15% of female inmates are actually biological males.

Key Points:

• Statistics: Claims that a significant portion of female inmates identify as male, leading to debates about prison safety and gender identity policies.
• Social Commentary: The discussion touches on societal perceptions of gender identity and the challenges it poses to the prison system.

Notable Quotes:

• Ryan Seacrest: “You're much less likely to get your arse kicked or get shiv or, you know, have to get into some brutal gang to protect yourself.”
• Katie: “Just because comes time to go into prison, you're a bad. You're a bad dude... I mean, there ain't no girls. I've seen those prison movies. This ain't gonna be fun.”

The segment highlights the hosts' concerns about the practical implications of gender identity policies in the correctional system, sparking a broader conversation about safety and fairness.

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7. Healthcare System Critique: Medicaid Expansion

A deep dive into the complexities and inefficiencies of the U.S. healthcare system, specifically focusing on Medicaid expansion under the Affordable Care Act (Obamacare).

Key Points:

• Historical Context: Medicaid was originally intended to assist a small, targeted group but has since expanded to cover a much larger population.
• Financial Implications: The discussion reveals how Medicaid expansion has led to increased costs and coverage of individuals who were not the original target demographic.
• Policy Analysis: Jacob Goldstein criticizes the federal government's strategy in coercing states into expanding Medicaid by offering substantial funding, leading to a bloated program.

Notable Quotes:

• Jacob Goldstein: “In 1965, the federal government passed Medicare and Medicaid... Today it covers 1 in 3 Americans. And 41% of all babies birthed in our country.”
• Ryan Seacrest: “Medicaid's paying 90% of your Medicaid where it's only paying an average of $0.60 on the dollar in a state like California for a disabled mother with the child.”

The hosts express frustration over the inefficiency and unintended consequences of Medicaid expansion, arguing that it strains the healthcare system and taxpayer resources without delivering proportional benefits.

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8. Government Projects Failures: California High-Speed Rail

Katie highlights the California High-Speed Rail project as a prime example of government mismanagement and wasted resources.

Key Points:

• Cost Overruns: Initial projections of $33 billion have ballooned to $135 billion, with expectations of reaching $200 billion.
• Delays: The project, initially promised to be completed by 2020, now faces a potential two-decade timeline.
• Practical Issues: The new route plans connect peripheral towns rather than major cities, undermining the original purpose of efficient inter-city travel.

Notable Quotes:

• Katie: “They put out new numbers just recently and their own new numbers have now increased the total cost to $135 billion... It's going to take two more decades to complete most of the San Francisco to Los Angeles segment.”
• Ryan Seacrest: “It is the greatest failure of democracy I've ever witnessed.”

The discussion critiques the decision-making and oversight processes that allowed the project to spiral out of control, serving as a cautionary tale about large-scale government initiatives.

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9. Conclusion and Final Thoughts

As the episode wraps up, the hosts reflect on the multitude of government overextensions and inefficiencies discussed, highlighting a pervasive distrust in governmental management of public resources.

Key Takeaways:

• Extensive government expansions often lead to unintended and costly consequences.
• Sustainable and modest approaches are preferred over extreme and unsustainable programs.
• Media narratives and societal trends significantly influence public perception and policy.

Notable Quotes:

• Jacob Goldstein: “You have to cut insurance and government payments out as much as you can and work directly with doctors.”
• Katie: “It's incredibly discouraging. Don't folks. It'll be okay.”

The hosts encourage listeners to remain informed and cautious about embracing large-scale governmental solutions without scrutinizing their long-term viability and impact.

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Notable Quotes with Timestamps

• [04:05] Ryan Seacrest: “You have to set modest goals. Two 45-minute workouts. Yeah, gotta.”
• [07:09] Katie: “Grateful would be a really good one to try to stay in.”
• [15:02] Ryan Seacrest: “You nailed it. And Katie, I can probably get an amen out of you.”
• [25:25] Jacob Goldstein: “So in 1965, the federal government passed Medicare and Medicaid... Today it covers 1 in 3 Americans.”
• [42:43] Ryan Seacrest: “I must point out part of the...”
• [43:05] Katie: “This is the greatest failure of democracy I've ever witnessed.”

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Closing Remarks

Despite the heavy topics covered, the Armstrong & Getty Show maintains its signature blend of insightful commentary and relatable banter, ensuring listeners are both informed and entertained. The episode serves as a critical examination of current societal trends, governmental policies, and media focuses, urging a more thoughtful and measured approach to personal and public challenges.

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Note: Advertisements and non-content segments have been omitted to focus solely on the substantive discussions of the episode.

Transcript

[Cindy Crawford]

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[Ryan Seacrest]

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[Jack Armstrong]

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[Ryan Seacrest]

Broadcasting live from the Abraham Lincoln Radio studio at the George.

[Craig Gottwals]

Washington Broadcast Center, Jack Armstrong and Joe Getty.

[Jacob Goldstein]

Armstrong and Getty. Enough.

[Ryan Seacrest]

Here's Armstrong and Get strong.

[Jacob Goldstein]

And.

[Katie]

Welcome to a replay of the Armstrong and Getty Show. We are on vacation, but boy, do we have some good stuff for you.

[Ryan Seacrest]

Yes, indeed we do. And if you want to catch up on your ang listening during your travels, remember, grab the podcast Armstrong and Yeti on demand. You ought to subscribe wherever you like to get podcasts. Now on with the infotainment.

[Katie]

Transform your life. Maybe you'd like to transform your life. Maybe you wouldn't transform your life in just 70 days with the 75 hard, which I guess has been around for a couple of years, but I hadn't heard about it till now because one of my nieces said she's doing the 60 medium. She made up her own list of how she's going to do it. This is the 75 hard. A tactical guide to winning the war with your something or other. Before I get into some of it, what do you know about it, Katie?

[Ryan Seacrest]

I know it's very difficult and it.

[Jack Armstrong]

Requires, I think, two workouts a day. You have to do one inside, one outside.

[Ryan Seacrest]

You have to diet. Where it's through here.

[Katie]

You skipped right to the one that makes everybody say, well, never mind then. Because on the list you go through some of them and you think, I could do that. Drink a gallon of water per day. Okay, I'm not sure that's gonna do me any good, but whatever. Read 10 pages of a self improvement book daily. If I get to choose the book, I can do that. Take a progress picture every day. Okay. Effortless. Come up with a diet plan and follow it. Okay. Kind of trying to do that. Two 45 minute workouts daily, one outdoors. Okay, well, what else can we do? Because that ain't gonna happen. That's why none of these fitness resolutions work. You take it way too far. You're not gonna go to the gym and work out for an hour every day. You do it for a couple of days and you quit. You gotta set modest goals. Two 45 minute workouts. Yeah, gotta. Even if you've got time, which I don't, there's. It'd be impossible. No way you're gonna do that consistently.

[Ryan Seacrest]

And with the diet, there's no cheat meals and no alcohol for 75 days. So forget your month of no alcohol, Joe. This is 75 days. You know, one of my good friends has for years and years with almost no exceptions. He has. And he' a drinking man. He's good at it. We've gone round and round. He drinks on New Year's Eve. He does not have another drink until St Patrick's Day in mid March virtually every year. I admire it. I'm not sure I want to imitate it, but I admire it.

[Katie]

And what's your. Why does he do it?

[Ryan Seacrest]

Physical health, emotional health. Doesn't want to be dependent on alcohol, I guess. Same reason I do it for a little while. He just takes it a lot further. He's in good shape too, for a guy of his age. But. And then we have another friend, actually a great mutual friend who when confront, he's a Southern guy. When confronted with that news, he said, I haven't taken that long a break since I was 11. It's a different way to approach life. But interestingly, in contrast to the hard 75 and the medium 60 and the leisurely 30, we might have something to talk about. My. My daughter, my beloved 25 year old who just today headed back to law school is. She's using a nudge word, which I would have mocked were my beloved daughter not doing it. And there's a piece in the Washington Post and they have a graphic that shows people unveiling their nudge word, which includes ease, pivot, wonder, pause and bliss.

[Katie]

You got to back up a second. Is this a term? I know. Nudge word. What is a nudge word?

[Ryan Seacrest]

Well, you're about to, and I apologize. A nudge word can help you clarify your goals. It can symbolize your values, help you set intentions and guide your actions in most, if not all areas of your life. How do you want to be or feel? For instance, do you want to be more playful, balanced or compassionate?

[Katie]

Playful.

[Ryan Seacrest]

Yes, I want to be more playful.

[Katie]

Who starts a new year? You know what? I'm going to be in 25?

[Ryan Seacrest]

Playful.

[Katie]

More playful.

[Ryan Seacrest]

You know, I could, I would not phrase it like that. I could definitely see somebody perhaps me, saying, you know, I got to stop worrying about crap that doesn't matter. I got to lighten the hell up about a lot of stuff. So I get it. Interestingly, though, my daughter's word that she keeps trying to remind herself of is sustainable and not like in the environmental Greta Thunberg bull crap way. But she's telling herself, look, don't start an exercise plan you can't possibly sustain. I've always been a diet that you can't live with.

[Katie]

Yeah, I've always been big on that. And I think that is a good idea. Or, you know, any kind of regimen. Just. Yeah. Start with something you could actually do.

[Ryan Seacrest]

Right, right. Start small, see how it goes, increase a little bit. But. And look, I've done the iron willed weight loss fit thing a couple of times and it's worked. But it's not sustainable. Right.

[Katie]

It. And it's. It. The problem with sustainable is it's so slow. You know, you're gonna lose weight, but it's gonna come off really slow. But it'll come off and stay off and people want.

[Ryan Seacrest]

Or at the very least you'll maintain. Yeah, you won't get anymore.

[Katie]

Or you're gonna, you know, you're, you're gonna build muscle and look more fit, but it's going to be real slow and it's going to take a while, but once you get there, it's a. It's certainly nice. That's a good one. Pensive will be mine. Pensive. I'm gonna just try to be overall more pensive in the new year.

[Ryan Seacrest]

I think mine's vengeful. I'm gonna, I'm gonna give people what they've earned.

[Katie]

Vengeful is your nudge word.

[Ryan Seacrest]

People are gonna get what's coming to them. July. I'm gonna have not taken vengeance for a couple of weeks and it's going to be easy to give up. I'm going to remind myself, hey, this is my nudge. Find somebody who's got it coming.

[Katie]

Start small. Remember that time in high school when you did the thing to me? Well, here's, here's your right.

[Ryan Seacrest]

Maybe it's just the store clerk who's rude and as you walk out, you hurl tomato at him. Start small, start easy.

[Katie]

Yeah, yeah. Anyway, sustainably vengeful.

[Ryan Seacrest]

You want to hear a good one? It's a little heavy. Speaking of year ending slash beginning rituals, I was reading about this dude. He's like an entrepreneur and investor. It doesn't really matter who he is, but every year at the end of the year, his birthday happens to be December 30, which I think factors in. But he does a little vacation over the holidays like many of us does do. We do. And he does what he calls his pre mortem. He imagines being on his deathbed. Wow. Yeah, I know, I know. This is heavy. And he gets into it. He really describes, like, I imagine my body old and fragile, my breathing shallow, my life energy almost extinguished. And I try to evoke the feelings I want to have in that moment. A sense of peace, completion, and most importantly, Self respect. Then I ask myself, what am I going to do now to ensure that when I reach that ultimate destination, I've done what I need to do? I will feel those things I want to feel on my deathbed? And then he sets goals for the year.

[Katie]

You know, we have a boss who actually has a quote on his wall from, of all people, Keith Partridge, David Cassidy, TV star of the 70s. You don't need to know.

[Ryan Seacrest]

You don't need to know where you're going with this.

[Katie]

You don't need to know who that is. But he was as big a star in America as you can get for a while. And on his deathbed, he said, I think it was his last words. So much wasted time.

[Ryan Seacrest]

Yeah.

[Katie]

And our boss has that on his wall.

[Ryan Seacrest]

Yeah. He was a resentful, bitter alcoholic.

[Katie]

Yeah.

[Ryan Seacrest]

Who clung to the past and so much wasted time.

[Katie]

That's a good one. I don't.

[Jacob Goldstein]

I don't.

[Katie]

I don't think I have that to worry about at this point.

[Ryan Seacrest]

That's. That's this guy's philosophy. What would your last words be and what do you have to do to make them? Wow. You know what? It's been great. As he said, nailed it.

[Katie]

That's what I want my last words to be. Nailed it.

[Ryan Seacrest]

He wants a sense of peace, completion, and that. Look, my race is run, and it was great. Good luck, y' all. This is stressing me out. I know, I know. Big task. I know.

[Katie]

I'll just summon my breath for one last booyah. Now I'm gone.

[Ryan Seacrest]

Take one last bit of vengeance.

[Katie]

Michael. My last words will be, pass me that pizza. Yeah, one more. One more slice of pizza.

[Ryan Seacrest]

Yeah. I was, you know, reading a book by a songwriter. Doesn't matter who, but he's. He's big on the, you know, try to create one new thing a day and how to do it. Of course, his job is writing songs, so he writes songs. But nobody has ever on their deathbed, said, I wish I hadn't written that poem, or I wish I hadn't tried to, unless it's, you know, did something horrific. But go ahead and try and fail. Don't, don't, you know, be next to this entrepreneur guy thinking, why didn't I at least try? So there's my life affirming, death fearing, deathbed, positive philosophy for the year.

[Katie]

You know, the. Whatever that thing was with having a nudge word. Grateful would be a really good one to, to try to. To stay in.

[Ryan Seacrest]

But of course, for everything, there must be a backlash, and that's the people who somehow are so swept up in crazes, they've like, taken that to an extreme and, like, refused to acknowledge things that needed to be fixed in their lives.

[Katie]

What?

[Ryan Seacrest]

And so I've been reading lately, there's the great. The pressure to be grateful has now become so.

[Katie]

Shut up. That some. Shut up. I gotta hurt you.

[Ryan Seacrest]

They're trying to be. Yeah. I go into the office every day and my boss and I'm. It's humiliating work.

[Katie]

I need a name. What?

[Ryan Seacrest]

I need to be grateful.

[Katie]

I want, I want the name of where you. Whoever wrote that. You read that. I'm going there today. I'll get on a plane. I don't care if the weather's bad. Michael, drive. And I'm going to choke them.

[Ryan Seacrest]

And you'll take your vengeance. It's healthy.

[Katie]

I'm going to punch that person right in the throat. That is the most annoying. That is the single most annoying thing I've ever heard, certainly this year.

[Ryan Seacrest]

You know what I think people say.

[Katie]

Grateful to the danger of being too grateful. I can see the headline, right? Oh, you nailed it.

[Ryan Seacrest]

You nailed it. And Katie, I can probably get an amen out of you. See, what the bitter old man doesn't understand is this stuff is so much more a part of young women's worlds. Oh, yeah. Than dudes. It's like, they tell this anecdote. It's actually pretty funny. I had to see if I can find it. Woman's walking through the store and they got a display of, like, dish towels. And the dish towels are emblazoned gratitude. And this woman's comment is, all right, now even my dish towels are badgering me. These things become such a craze. Oh, yeah. In ways that, you know, I hear stuff like that and I think, yeah, whatever. That's for you. Goodbye. I'm, I'm busy.

[Katie]

Yeah, I, I, I think it's a good idea. But if you got it on your towels, I don't know, for whatever reason, it's just a little too much for me.

[Ryan Seacrest]

Armstrong and Getty. The Armstrong and Getty Show. Here's something I realized today, and I.

[Katie]

Think this is the first time in 2015 is now ten years ago, so probably not in the last nine and a half years. The name I heard the most as I went through all my different channels on TV and radio was not Donald Trump. For the first time in nine and a half years. Wow.

[Ryan Seacrest]

The Muskmelon.

[Katie]

Elon Musk everywhere. No matter what you flip to. Elon Musk. Elon Musk. Elon Musk. The way it was. It's always been Trump, Trump, Trump, Trump, Trump. Right now it's part of the whole Trump thing. So it's Trump adjacent. But that's interesting.

[Ryan Seacrest]

So does Trump get, like 30% credit for each mention of Elon Musk? Because, you know, it's like a pyramid scheme. He recruited Elon. Exactly. Share of his mentions. And by the way, I'm sorry, if you have more on that, go ahead. I was going to say, I really, really wanted to get to our honorary. Honorary general manager. General manager, which was dudes playing women's sports. Fellas, you had a good run. You whooped up on those girls. You showed them men are better at everything, including being female athletes. You won all those medals. You stood on the grand stand with your attempt at makeup and your manly physique and jaw and the rest of it really showed those stupid girls. But I'm afraid all good things must come to an end.

[Katie]

It's fun while it lasted, wasn't it?

[Ryan Seacrest]

Yeah. Next. Prisons. You know 15% of female inmates are dudes.

[Katie]

No, it is not.

[Ryan Seacrest]

Yes. It can't be that high. Yes. 15 blue states where all you have.

[Katie]

To do is self identify. Just because comes time to go into prison, you're a bad. You're a bad dude, like Corn Pop. And you have to go to prison and you think, you know, I'd rather be in a chick prison than a dude prison. I mean, there ain't no girls. I've seen those prison movies. This ain't gonna be fun. I think I'll go in the prison where the girls are.

[Ryan Seacrest]

You're much less likely to get your arse kicked or get shiv or, you know, have to get into some brutal gang to protect yourself.

[Katie]

Sexual opportunities are a little better also.

[Ryan Seacrest]

Is what I was. I was getting in there. I was getting there. Valentino or what's it. What was the old lover? What was the old. It doesn't matter. Stupid old reference. But anyway, yeah, I was gonna get to the lover first. I want to make sure my ass doesn't get caked, if you don't mind.

[Katie]

15.

[Ryan Seacrest]

That's crazy, Casanova. That's what I was looking for. 15 I'll have to dig up.

[Katie]

Was a bad dude.

[Ryan Seacrest]

Those statistics. The free press was writing about that.

[Katie]

Wow, that is something. Wow.

[Ryan Seacrest]

It's insanity.

[Katie]

And why are we standing up for that?

[Ryan Seacrest]

Well, because they've been convinced that to be woke is to be a good person. And they really want to be a good person. They really, really want to be a good person, an independent thinker who asserts herself when she sees something wrong, not so much. I want to be accepted. I want to be told I'm a good person. That's. A huge percentage of the population are desperate for that.

[Katie]

So I'm not paying close attention to the whole Elon Musk thing, but the way it's portrayed by the left, tell me if I'm right or wrong. If I'm. I could be wrong. If I'm wrong, that's fine. But this whole unelected bureaucrat attempting to. The word they used on MSNBC yesterday got the federal government, which is a word I love. I mean, you. You were using it, like, prejudicially to scare people.

[Ryan Seacrest]

I think got away.

[Katie]

Perfect. What a great word. Kenny. Kenny. Accomplish. Where do I sign up for him gutting the federal government. That sounds awesome.

[Ryan Seacrest]

Wait a minute, honey, I need to turn this up and listen.

[Katie]

Yeah, that sounds fantastic. But nobody elected him. He's been given these kingly powers to do whatever he wants. Now, am I right or wrong about this? He's not signing any pieces of paper that can get rid of agencies or employees. He's recommending them to Trump's executive branch and they're signing the pieces of paper.

[Ryan Seacrest]

Yes. Yeah, exactly. He is making recommendations to his boss. He is an advisor. So this is just a presidential advisor?

[Katie]

Well, it's, It's. This fits in with my. This is the first time I've heard somebody's name more than Trump in nine and a half years. Hearing Elon's name all the time. So they must. The left must feel like, as a political win, making Elon Musk a bad guy is bad. Better than making Trump the bad guy, because Trump's the guy who wants this done, is ordering it, and is in then signing off on the recommendations.

[Ryan Seacrest]

Yeah. Well, Trump just got elected and not only, whoop tiny in the swing states, won the Electoral College handily, but won the popular vote, which really shocked Democrats. And they've been howling that he's the Antichrist and is going to come eat your infant since 2015 or 2014. And so perhaps the smartest horses over there on the left side of the island, follow me, are saying, look, let's go after Elon. Maybe we can get people's attention because he's rich and evil and they like the superhero movies where there's a rich, evil super villain. Maybe we can stir people up with that. They're desperate for a message.

[Katie]

Yeah, I wonder how well it's working. Maybe it's working. I don't. I don't know what most people think about Elon. I know what I think.

[Craig Gottwals]

Jack Armstrong and Joe Getty the Armstrong.

[Ryan Seacrest]

And getty.

[Michael]

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[LifeLock]

You're great at protecting your own personal information. You probably even use things like two factor authentication, strong passwords and a vpn. But as much as you try to be in control of how your information is protected, there are lots of places that also have it and they might not be as careful as you are. That's why LifeLock monitors millions of data points every second for identity threats. If your identity is stolen, a LifeLock US based restoration specialist will help solve identity theft issues on your behalf, guaranteed or your money back. Plus, all LifeLock plans are backed by the million dollar protection package, meaning LifeLock will reimburse you up to the limits of your plan if you lose money due to identity theft. You might not be able to control how others handle your personal information, but you can help protect it with LifeLock. Save up to 40% your first year. Call 1-800-LIFELOCK and use promo code IHEART or go to lifelock.com iheart for 40% off. Terms apply.

[Cindy Crawford]

Hi, I'm Cindy Crawford and I'm the founder of Meaningful Beauty. Well, I don't know about you, but like I never liked being told, oh wow, you look so good for your age. Like why even bother saying that? Why don't you just say you look great at any age? Every age. That's what meaningful Beauty is all about. We create products that make you feel confident in your skin at the age you are now. Meaningful beauty, beautiful skin at every age. Learn [e-mail].

[Odoo]

This message comes from Greenlight. Ready to start talking to your kids about financial literacy? Meet Greenlight, the debit card and money app that teaches kids and teens how to earn, save, spend wisely, and invest with your guardrails in place. With Greenlight, you can send money to kids quickly, set up chores, automate allowance, and keep an eye on what your kids are spending with real time notifications. Join millions of parents and kids building healthy financial habits together on Greenlight. Get started risk [e-mail] iheart this is.

[Joe Getty]

Jacob Goldstein from what's yous Problem? When you buy business software from lots of vendors, the costs add up and it gets complicated and confusing. Odoo solves this. It's a single company that sells a suite of enterprise apps that handles everything from accounting to inventory to sales. Odoo is all connected on a single platform in a simple and affordable way. You can save money without missing out on the features you need. Check out [e-mail] that's O-com.

[Ryan Seacrest]

The Armstrong and Getty show.

[LifeLock]

They literally are trying to take health care away from millions of Americans at.

[Katie]

This very moment in the dead of night.

[Ryan Seacrest]

Oh my God. Oh my God. It's a party of monsters.

[Katie]

That's why they're having Republicans.

[Ryan Seacrest]

They're monsters.

[Katie]

That's why they're having the 1am vote tonight on the big beautiful bill to try to slap slide through in the dark of night, the cutting back on Medicaid.

[Ryan Seacrest]

And so the Republicans, who are actual vampires can come out to vote too, because, you know, the sun is down. So Craig got walls. Originally. Craig the Obamacare lawyer, because when Obamacare was in the works and passed, Craig would talk to us about it, longtime friend of the show and. And everything he said was true and virtually everything he predicted happened in contrast to most of the coverage of it, which was garbage. Well, Craig is now Craig the healthcare guru and we're gonna talk a little bit about Medicaid, among other things. Craig Gottwells. How are you, Craig?

[Jacob Goldstein]

I'm good. How are you gentlemen?

[Ryan Seacrest]

Terrific. Thank you very much. So what do you make of Hakeem Jeffreys quote there? And what is the reality of Medicaid?

[Jacob Goldstein]

Well, it underscores just how we can never give anything to the government. This is why we can't have nice things. Right? So in 1965, the federal government passed Medicare and Medicaid. And specifically with respect to Medicaid, the whole idea was, man, we need a safety net for like single moms with disabled children who are falling through the cracks. We need, we need this, this mechanism to just capture the most disadvantaged among us, to help them out and to give them, to give them a lift. Right? So we did. And back when this was passed in 1965, it was designed to cover 2% of Americans. 2%. Today it covers 1 in 3Americans. And 41% of all babies burst in our country.

[Katie]

Whoa. 41% of babies born so originally for.

[Ryan Seacrest]

Blind, the disabled, the utterly unable to help themselves. And now it is approaching half of us.

[Katie]

Is that because we have so many more single moms with blind babies or what has happened?

[Jacob Goldstein]

Well, you know, you know better than I, Jack. This is entitlement creep. Government creep at its finest. I mean, you, you, when we, when, when this really took took off and became insane was with Obamacare in, you know, the early, you know, 20 teens. When Obamacare came into play, Obamacare was bribing the states because, you know, the way this thing works, it's a, it's an agreement between the state and the federal government and there's shared financing, right? So the federal government couldn't just say to the states, you shall expand Medicaid. But what the federal government did is said, hey, look, if you expand Medicaid to basically able bodied working age people, now, because we'd already had Medicaid for all the other categories you just mentioned, Joe, the government said, look, if you do that, we, the federal government will pay 100% of it for some time and then we'll pay 90% of it. So all but 10 states went ahead and said, heck yeah, we'll take that deal. And so now with that Medicaid expansion that occurred with Obamacare, it's 90% paid for by federal taxpayers and it covers anywhere from 8 million to 14 million able bodied working adults, or I should say able bodied adults, some of which are working, some of which aren't.

[Ryan Seacrest]

And in a bizarre twist, correct me if I'm wrong, the federal government compensates the states at a much higher percentage for able bodied dudes smoking pot on their parents basement couch than they do for actual like disabled people in blind babies.

[Jacob Goldstein]

Yeah, no, that's exactly right. So that was the, that was the Obamacare bribe because, because Medicaid already covered all those people we were trying to protect, you know, when we started this thing in the 60s. So it covered all Those people that had disabilities, single moms, et cetera, the blind, the disabled. But it didn't cover just underemployed or unemployed able bodied adults. And so in order to get the states to agree to do that, the federal government had to say, look, we know that we're only paying you an average of 50 to 65 cents on the dollar for your existing Medicaid and we know that's not enough to get you the states to agree to go ahead and cover the adults. So we'll pay 90 to 100%, starting at 100%, dropping down to 90%. So yes, that's exactly right. If you are 28 year old dude smoking pot in your mom and dad's basement right Now, Medicaid's paying 90%. The federal government's paying 90% of your Medicaid where it's only paying an average of $0.60 on the dollar in a state like California for a disabled mother with the child.

[Katie]

Yeah, I'm thinking somebody I know specifically who has like a regular person with a job and is doing it the normal way. And their incredible medical bills they got right now because they've had some health problems. That's very galling that they have these high medical bills with insurance and everything as opposed to if you got on some sort of government plan, it would all be covered.

[Ryan Seacrest]

And Craig, I'm going to leave it up to your judgment how much you want to get into this. But there are all sorts of other perverse incentives that this law has caused states, you know, taxing hospitals to raise the amount spent. But then they get it back from the federal government, then they give it back to the hospitals. I mean, it's Byzantine.

[Jacob Goldstein]

Yeah, let's. Let me just give you a couple nuggets on the cost of it. Just, just because what's happened is employers pay two to three times the cost of a hospital visit as Medicare and Medicaid do. So when you are on Medicare and Medicaid, you go to the hospital, you pay X. If you're on an employer sponsored plan, you pay two to three times X. Wow.

[Katie]

Thus the bills I was just talking about.

[Jacob Goldstein]

Thus the bills. But even with that reality, gentlemen, if you're on Medicare, that cost per taxpayer is about 11,000 per year. If you're on Medicaid, it's 9,400 per year. And for employer sponsored people, it's 8,700 per year. So even with that, now granted, employer sponsored coverage, generally younger, generally healthier, we get that. But even with this tremendous cost shift to the hospitals. It just, it underscores how inefficient these government programs are. When they passed Medicare. Now this is Medicare, not Medicaid. But they did all the financials together when they passed it in 1967. Actually two years in when they did an analysis on it, they said, hey, we think this is going to cost 12 billion by 1990, when in fact it cost 100 billion. They were off by a factor of eight.

[Katie]

With Medicare, it's the bullet train of medicine.

[Jacob Goldstein]

Yeah, it's the bullet train of medicine. And now that, that there are some people making noises that gee, we ought to trim back the edges a little bit and get these able bodied adults off of it, you of course get the grandstanding of politicians, even those on the right screaming that it's, it's, it's murder in the streets.

[Katie]

So Medicare is the one we all.

[Jacob Goldstein]

Get when we cynical, it will.

[Katie]

Medicare is the one we all get when we turn 65. But Medicaid is the one that the.

[Ryan Seacrest]

Downtrodden poor folks allegedly. Yeah, yeah. Hey Craig, I want to, I want to do the numbers you did for Medicaid too. So in 1987, Congress projected that Medicaid would make special relief payments to hospitals of less than a billion dollars by 1992. Under a billion dollars, the actual cost was 17 billion. So they're 17 times as high. I mean if that doesn't tell you what you need to know about government entitlement programs and what they do, inevitably, well, you're too stupid to understand it and I pity you.

[Jacob Goldstein]

And that one was in a five year span, Joe. That was their 87 projection for 92.

[Ryan Seacrest]

Oh my God, you're right.

[Jacob Goldstein]

Yeah, that wasn.

[Katie]

Well, and one of the problems, one of the problems is, you know, all government programs grow and you know, the high cost of good intentions and all that sort of stuff. But in this case you've got the added part that there's a bunch of people that want the government to run all of health care. So they're, they, they love the, they're pushing the expansion. It's not just like normal bureaucratic creep. They're, they're pushing it. The more people covered, the more you can make the argument of, well, we're already government health care anyway, let's just flip the switch and go full on single payer.

[Jacob Goldstein]

You're absolutely right. And the single payer, I'm just here to tell you the single payer path is a good 30 to 50% more expensive. Now those costs are hidden because of the way the money sloshes around, but you've only got one payer of health care in America that actually cares what it costs and that's employers. That's it. The insurance companies don't care because the way Obamacare is written, they need more claims to make more money. The government doesn't care because the more health care costs, the more budget they get to address the issue. The only, the only policyholder, the only tax, the only moneyed interest in this that actually cares is an employer and it's dramatically shrinking. Those of us that get health care at work is shrinking every year.

[Katie]

I don't know how we ever get this fixed because like I, you've probably been listening and know I got whooping cough. So I've been to the doctor like yeah, four or five times, eight different medications, all these different bills, most of them tiny. I don't have the slightest idea what anything cost or I'll get a bill. I know I'll get a bill in a month for 180 bucks or 580 bucks, I don't know. And then I'll just pay it and nobody has any idea. And the, the randomness of those of us who have employee, you know, insurance.

[Ryan Seacrest]

We don't, we don't know if we're.

[Katie]

Getting ripped off or good price or whatever.

[Ryan Seacrest]

So it's, it's complicated. No, it's incredibly discouraging. Go ahead, Craig.

[Jacob Goldstein]

Yeah, and it's, it's not health Jack. By the, you know, a lot of people think that, hey, I have purple cross as my insurance. And so whether I go to Stanford or El Camino or Good Sam. For this particular shoulder surgery should be about the same price because I have a Purple Cross PPO contract. Right. It's not. You can pay 10,000 for that shoulder surgery or 50,000 for that shoulder surgery with the same exact insurance card. It's utterly insane what's happening in the commercial market because government has crept into this unholy alliance with the commercial payers. And so you have this, you have this situation where it's crony capitalism at its absolute worst.

[Katie]

You know, we're talking about, and we.

[Jacob Goldstein]

Can tease for a future visit, but there are ways to get around this. But that relying on the government or this large commercial sector is going to kill us. And when I say the commercial sector, I mean the fully insured carriers, employer sponsored plans, self funded employer sponsored plans are the way to go. It's the only way to beat this and beat it back.

[Ryan Seacrest]

Yeah, we're talking to Craig Gotwell's Craig, the health care guru. Craig, I feel like at this point in the interview we ought to give people the local suicide hotline number. I mean because it's so discouraging. So we've, you know, describe this incredible, mountainous, wasteful, enormously expensive government program out of control. And if you as say a Republican, a Chip Roy, for instance, say hey can we have 35 year old guy smoking pot on his parents couch please pay a $35 copay when he goes to the doctor. You have Hakeem Jeffries screaming. You're literally taking health care away from millions of Americans.

[Katie]

Yeah, that's, that's one problem though. The other problem is that's a Democrat. He got Josh Hawley, a Republican writing.

[Ryan Seacrest]

An op ed and Holly has lost his soul. I hope he gets hit by a car. Abhor violence.

[Katie]

Josh Hawley writes, I think in the New York Times last week. You know, Republicans, hey, do not cut any of this. It's a bad political move. So where does that leave you?

[Jacob Goldstein]

Yeah, it you at this point, gentlemen, I put my head down. I don't even listen to the big, the big picture anymore. And I just try and help one employer at a time. And I get individuals that contact me and they ask me what do I do and I say buy as little.

[Katie]

Insurance as you can.

[Jacob Goldstein]

Buy the highest deductible, go ahead, don't.

[Katie]

Get sick is your recommendation.

[Jacob Goldstein]

Don't get sick. But, but find a doctor. Find a doctor who's left the system and engage in something called direct primary care where you give them anywhere from 75 to $200 a month, you treat, you work with them and then God forbid you have something giant happen, you have the highest deductible you can stomach to go deal with that, that issue. But you've got to cut insurance and government payments out as much as you can and work directly with doctors. And the good news is that system is growing, gentlemen. I talk to doctors every week that are leaving the system and going direct pay with individuals and not, not the $350 concierge model but like doing this for $100 a month literally.

[Ryan Seacrest]

Well, I love the idea of starting at that point in our next conversation with you, Craig, and talking about that because one of the things I was going to bring up if we have time and we unfortunately but some of the unholy vertical integration of the giant healthcare companies where they own the doctor, they own the hospital, they own the pharmacy, they own the pharmacy benefit manager, which is an unholy murky cesspool of God knows where the money goes. And so yeah, the idea of checking out of that system, I love it. Let's, let's, let's talk off the air. We'll schedule you to come back because I think it'd be great for the good folks.

[Jacob Goldstein]

Sounds great. Gentlemen, have a wonderful day.

[Ryan Seacrest]

Yeah, thanks Craig. Appreciate the time he has to come.

[Katie]

On all the time and bear bad news. I mean it's. Again.

[Ryan Seacrest]

Yeah, I just, you know, as a realist, you've. Unlike the Biden family, the one thing you must do is understand reality or you're, you're hopeless.

[Katie]

I've been saying to Craig and he usually agrees for years. I think the realist view is we're going to end up single payer health care. It's just when, when does it finally happen?

[Ryan Seacrest]

Yeah, I suppose so. But in every single health care, single payer healthcare system, people who can afford it go outside.

[Katie]

Right, Right.

[Ryan Seacrest]

Gotta learn those ropes.

[Katie]

God dang it.

[Ryan Seacrest]

Don't folks. It'll be okay.

[Katie]

Don't get sick. Just don't get sick or break anything. That's the answer. Stay here.

[Jacob Goldstein]

Jack Armstrong and Joe Getty the Armstrong.

[Craig Gottwals]

And Getty show.

[Michael]

This July 4th, celebrate freedom from spills, stains and overpriced furniture with Annabe. The only machine washable sofa inside and out where designer quality meets budget friendly pricing. Sofas start at just $699, making it the perfect time to upgrade your space. Annabe's pet friendly stain resistant and interchangeable slipcovers are made with high performance fabric that's built for real life. You'll love the cloud like comfort of hypoallergenic, high resilience foam that never needs fluffing and a durable steel frame that stands the test of time with modular pieces you can rearrange anytime. It's a sofa that adapts to your Life. Now through July 4th, get up to 60% off site [e-mail] Every order comes with a 30 day satisfaction guarantee. If you're not in love, send it back for a full refund. No return shipping, no restocking fees. Every penny back. Declare independence from dirty outdated furniture. Shop [e-mail] Offers are subject to change and certain restrictions may apply.

[Cindy Crawford]

Hi, I'm Cindy Crawford and I'm the founder of Meaningful Beauty. Well, I don't know about you, but like I never liked being told, oh wow, you look so good for your age. Like why even bother saying that? Why don't you just say you look great at any age? Every age. That's what Meaningful Beauty is all about. We create products that make you feel confident in your skin at the age you are now. Meaningful beauty, beautiful skin at every age. Learn [e-mail].

[Odoo]

This message comes from Greenlight Ready to start talking to your kids about financial literacy? Meet Greenlight, the debit card and money app that teaches kids and teens how to earn, save, spend wisely and invest with your guardrails in place. With Greenlight, you can send money to kids quickly, set up chores, automate allowance, and keep an eye on what your kids are spending with real time notifications. Join millions of parents and kids building healthy financial habits together on Greenlight. Get started risk [e-mail] iheart this is.

[Joe Getty]

Jacob Goldstein from what's yous Problem? When you buy business software from lots of vendors, the costs add up and it gets complicated and confusing. Odoo solves this this. It's a single company that sells a suite of enterprise apps that handles everything from accounting to inventory to sales. Odoo is all connected on a single platform in a simple and affordable way. You can save money without missing out on the features you need. Check out [e-mail] that's o d o o.com find home wherever you roam at.

[Craig Gottwals]

Sinesta Es and Simply Suites. Stretch out and enjoy homelike amenities for however long you need. And when you're a Sonesta Travel Pass member, staying at Sonesta Es and Simply Suites means earning points toward free nights, upgrades and more. Go to sonesta.com and book your stay and unlock their best rates with Sonesta Travel Pass here today, Rome tomorrow. Join [e-mail] Terms and conditions apply.

[Ryan Seacrest]

The Armstrong and Getty show so there's.

[Katie]

Been a couple of great government works things that got out of control and cost gazillions of dollars and never got finished in my lifetime. I remember Boston's Big Dig hearing about that my whole life took decades and decades and decades of wasted tons of money. Alaska's famous bridge to nowhere. But they're all paling in comparison to California's High Speed Rail Project act, which goes back to 2008 and if it's not already at the end of the day, will be the biggest government sinkhole of bureaucracy and waste as an example of how democracies can fail in our nation's history.

[Ryan Seacrest]

And it's probably already enrichment too. I must point out part of the.

[Katie]

Reason it's getting a bunch of a national attention now. New York Times did a story last Sunday, the Associated presses on it and the Dispatch did a story yesterday is the chsra, that's the California High Speed Rail Authority. They put out new numbers just recently and their own new numbers have now increased the total cost to $135 billion. When taxpayers agreed to this, it was 33 billion. It's now 135 billion. It's more than $100 billion more than originally proposed. It was. We were all supposed to be writing it five years ago. It's supposed to be done in 2020. I have not written interview.

[Ryan Seacrest]

They're now saying if it comes anywhere near the original promise, it will be north of $200 billion. Mark my words.

[Katie]

And they said in their most recent statement it may take two more decades to complete most of the San Francisco to Los Angeles segment. Two more decades to complete most. So they're not even saying in two decades they can complete it.

[Ryan Seacrest]

Right.

[Katie]

And I don't know if you know about travel, but you really need the whole thing. Like if I'm going to New York this summer, I need to get all the way there. Most of the UA doesn't do any good.

[Ryan Seacrest]

It's either get you to Indianapolis.

[Katie]

It's really an all or nothing proposition. Whenever you travel somewhere. Am I going there or not? But I thought this was really interesting and I can't believe this hasn't gotten more attention. This is from the CHSRI's own plan. It is now going to connect to towns on the outskirts of both major metros. It's not going to take you from San Francisco to Los Angeles. It's going to take you from Gilroy, which if you live in the area you know ain't very close to San Francisco.

[Ryan Seacrest]

That is the outskirts of the outskirts of the outskirts.

[Katie]

It's 70 miles southeast of San Francisco.

[Ryan Seacrest]

To I just checked. It will take you just under two hours to drive from Gilroy to San Francisco as we speak to Palmdale, which.

[Katie]

Is 37 miles northeast of the edge of Los Angeles. And in Los Angeles traffic, it would take you several hours to make that drive. So instead of the city centers, it's going to take you from Gilroy to Palmdale. That will save construction time and money, but it will need mean the writers will need another hour or more to get into the cities. That is an incredibly generous statement. I would say a minimum of three to four hours on a good day.

[Ryan Seacrest]

All told, an hour and a quarter from Palmdale to LA right now, all told.

[Katie]

Economist Scott Summer estimates that this new setup would require at least a seven hour series of trains or cars for someone to get from downtown San Francisco to downtown Los Angeles. Instead of the original promised 3 hour 1 train trip and 7 hours on the best everything broke your way it would take seven hours.

[Ryan Seacrest]

It is the greatest failure of democracy I've ever witnessed. Armstrong and Getty A treasure trove of.

[Katie]

Bananas has been stolen and it's up.

[Ryan Seacrest]

To Donkey Kong and his buddy Pauline.

[Katie]

To get them back. This unlikely duo is going up a.

[Ryan Seacrest]

World smashing adventure using DK's destructive abilities to explore an underground world and the.

[Katie]

Power of Pauline singing to activate wild transformations. Donkey Kong Bonanza Available July 17. Rated everyone 10 and up only on.

[Ryan Seacrest]

Nintendo Switch 2 game and systems sold separately.

[Jack Armstrong]

Are you juggling caring for your kids and aging parents? Greenlight's new Family Shield plan gives you peace of mind with a money and safety app for the whole family. Monitor senior loved ones financial accounts for suspicious activity, track their safety with place alerts and protect them with up to $1 million in identity theft coverage. Make the daunting feel [e-mail] familyshield that's greenlight.com familyshield you're great at protecting your own personal information.

[LifeLock]

You probably even use things like two factor authentication, strong passwords and a vpn. But as much as you try to be in control of how your information is protected, there are lots of places that also have it and they might not be as careful as you are. That's why LifeLock monitors millions of data points every second for identity threats. If your identity is stolen, a LifeLock US based restoration specialist will help solve identity theft issues on your behalf, guaranteed or your money back. Plus, all LifeLock plans are backed by the million dollar protection package, meaning LifeLock will reimburse you up to the limits of your plan. If you lose money due to identity theft, you might not be able to control how others handle your personal information, but you can help protect it with LifeLock. Save up to 40% your first year. Call 1-800-LIFELOCK and use promo code IHEART or go to lifelock.com iheart for 40% off. Terms apply.

[Joe Getty]

This is Jacob Goldstein from What's yous Problem? When you buy business software from lots of vendors, the costs add up and it gets complicated and confusing. Odoo solves this. It's a single company that sells a suite of enterprise apps that handles everything from accounting to inventory to sales. Odoo is all connected on a single platform. In a simple and affordable way. You can save money without missing out on the features you need, check out [e-mail] that's o d o o.com find.

[Craig Gottwals]

Home wherever you roam at Sinesta Es and Simply Suites. Stretch out and enjoy homelike amenities for however long you need. And when you're a Sinesta Travel Pass member, staying at Sinesta Es and Simply Suites means earning points toward free nights, upgrades, and more. Go to sinesta.com and book your stay and unlock the best rates with Sinesta Travel Pass. Here today, Rome tomorrow. Join [e-mail] Terms and conditions apply.

[Cindy Crawford]

This is an iHeart podcast.