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Join us as we discuss Elon Musk and a whole lot of lawsuits waiting to happen. Plus, our financial tip of the month!
Disclaimer: The opinion and views expressed on our podcast do not reflect the official stance of Student National Medical Association.
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2022 Annual Medical Education Conference Overview
00:00:00
Speaker
The 2022 Annual Medical Education Conference will be held in person in Orlando, Florida at the Rosen Shingle Creek Resort from April 13 to 17, 2022. AMEC has continually been a national cornerstone event for minority medical students and professionals. Through this year's theme, The Emergence, Achieving Purpose in an Era of Health Advocacy, Equity, and Reform,
00:00:23
Speaker
We plan to bring you more engaging workshops, plenary sessions, and networking opportunities to meet and socialize with your peers in person. Take advantage of the early bird member pricing, applicable until November 22nd, for the best savings. For more opportunities, sign up for the SNMA newsletter. Now, let's start the show.
Food Preferences Game
00:01:08
Speaker
What's good, everybody? Welcome to SNMA Presents the Lounge. Whether you're in the student lounge, doctor's lounge, or lounging around at home, get ready to join SNMA for meaningful conversations on topics affecting minorities in medicine and groups that often sit at the margins of healthcare.
00:01:28
Speaker
I am the guy, student Dr. Aldwin. And today, we're gonna be playing a short game of mate, marry, or vanish. You know, we gotta keep it 100 out here, like with the food. So let me tell you what the three food options are. You know, it's kind of hard, it's a little hard, it's a little difficult kind of choosing these, but the three options are, you know, you gotta go, I'm gonna go first with the Caribbean style, you know what I'm saying? Rice and peas with oxtails and plantains. You know what I mean?
00:01:55
Speaker
The second option is macaroni and cheese with barbecue fried chicken.
00:02:03
Speaker
Barbecued and it's fried. Chill out, chill out. Okay. What you managed to, Aldwin? But I got my third option though, you feel me? Oh, I heard you. Okay. The third option is, you know, for y'all people that, you know, they early rises, you know, they might rock with this a little bit even more, but, you know, bacon, egg, and cheese, grits. Now, I will preface this and say I'm trying to be on my vegetarian vegan diet. You know what I mean? I'm trying to get there, but I'm,
00:02:33
Speaker
I'll give those other options another time. But for y'all out there, this is for y'all. So I would say for me, like, I would say if I had to marry, I'd probably marry the right, you know what I'm saying? Rice and peas and, you know, oxtails. And then mate, mate wise, you know, I'm gonna have to go with the
00:02:55
Speaker
Damn, this is even for myself, this is hard. But with the mate wise, I'm gonna have to go with the, you know, bacon, egg, and cheese and the grits. Like, I love my breakfast. I love getting my ATP early in the morning right before I'm pre-rounding and all that, you know, I'm gonna be walking around and seeing my faces. So I need that. And then I'm gonna have to abandon, unfortunately, the mac and cheese. Oh, no. And because it's fried, it's fried, it's fried.
00:03:19
Speaker
Barbecue chicken, vanish. Hi, y'all. Hi, y'all. Hi, y'all. Hey, y'all. Hey, guys. I'm student Dr. Isabella. And let's see. Well, all one hurt me was trying to vanish, make mac and cheese. I'm rigging her back. I'm rigging her back. So my three food options are definitely baked mac and cheese. And that was in my head from before. So I'm not coffee all and definitely had baked mac and cheese in there.
00:03:46
Speaker
What else? Oh, yes. So anything chocolate related, I'm a big chocolate fan. So I'm going to go with chocolate, chocolate,
Native American Heritage Month Discussion
00:03:58
Speaker
chocolate cake. Yeah, like I just, I just love anything chocolate related. So I definitely got to add her in there. And then what else? And I'm going to do Jollof, Jollof Rice with
00:04:10
Speaker
stew chicken for all my Africans out there. So what would I mate? Hmm. I'm definitely mating
00:04:22
Speaker
I'm definitely mating chocolate cake because she's been there for me during some really low times, you know, like, she like those times where I'll come back like just tired, you know, from school, whatever like that. And I really need them to pick me up chocolate is just like automatic like, oh, like, she just gets you up. So I'm gonna mate with chocolate cake.
00:04:40
Speaker
I'm going to marry, I have to marry the food that, you know, gives me sustenance, mac and cheese, for sure. Like that's just, and I make it only once a year. I make it only for Thanksgiving because I put my whole heart and soul into my mac and cheese. So you, y'all can't get her all the time. She only comes out on Thanksgiving. Maybe, you know, like when I have more time, I'll start making it more, but just, just on Thanksgiving and I'm going to have to vanish.
00:05:06
Speaker
I'm going to have to vanish Jollof because I'm vanishing Jollof because when I say Jollof, I'm talking about Nigerian Jollof and there's different kinds of Jollof. Now say if it was Senegalese Jollof, I would keep her because Senegalese Jollof is definitely the best Jollof. As a Nigerian American, I'm saying this because I've had Senegalese Jollof and I've and it beats her. I'm sorry. She's like, she's done. She's gone. So those are my three options.
00:05:32
Speaker
So wait, I got a question though, cause Alden gave us some really hard
Pfizer Vaccine for Children Debate
00:05:36
Speaker
choices. Which one of those would you pay? That's crazy. I didn't realize that Alden was one putting the options out. It's all good. Alden, you came with some really good options and I'm really disappointed that you vanished Bake Mac and Cheese because she deserves to stay. Um, so I'm going to say that.
00:05:54
Speaker
I'm going to say that Big Mac and Cheese is my mates. I'm definitely mating with her. What am I marrying? And then you said Oxtail's, what was it? Rice and Peas, right? Yeah, that's married. Okay. That's 100. Okay. And then what was the other option after that? Bacon, egg, cheese, grits. Yes. Okay. So I'm banishing her bacon, egg, cheese and grits because what is that? Grits,
00:06:21
Speaker
Dritz can only be made to be in one way. Erica, ouch. Yeah. But I will marry, you know, rice and peas with oxtail because that's soul food right there. And you always need soul food. You need that for the rest of your life. So for sure. Those are my options. Y'all, these options all went. Jesus. Anyway, hey, hey, everybody. This is student Dr. Erica Dingle. And I am
00:06:50
Speaker
flat out marrying bacon, eggs and grits. Because number one, yes, I am. So I have roots in the South. Right. Grits are a staple in my household. How dare I? Grits will be around until the end of time. That is my my grits is my boo thing. We're getting married. I'm meeting grits at the altar in my white dress.
00:07:17
Speaker
Um,
Elon Musk's Challenge to WFP
00:07:18
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and I, I personally make an amazing jalapeno cheese grit. Oh, that sounds actually very good. We pulling up, we pulling up on you, Erica. Yes. Jalapeno cheese grit. Um, I am.
00:07:39
Speaker
vanishing anything Caribbean because the people of them don't know how to act. And I love, I love everything at Caribbean culture too, but that's just the personal choice based upon how my life has gone with Caribbean folks. Right. Oh, with the man, you got to speak up.
00:08:08
Speaker
And I will pick to mate macaroni and cheese and fried chicken. So that is I have that right now, like in my house, like that was dinner last night. So how dare I decide to toss the macaroni and cheese macaroni and cheese and fried chicken. That's not happening. So
00:08:36
Speaker
Sorry guys to the mix-up I thought I could just you know say my options, but y'all now you know where I'm at We got your options Thank you And shout out shout out to Skindy too for that option too late. Oh, yeah, too So it's our or everyone's favorite time of the show it's time Well, is it y'all's favorite?
00:09:03
Speaker
It's my favorite time. Look at chatting. I just want to make sure I was out of my mouth. Second favorite. Ooh, what's the first favorite Aldwin? It's the little financial thing. It's because he's running his old little segment. That's why he had to bring it down. You feel me? Aldwin like, run me my segment. I don't tell
Henry Ruggs' DUI Incident
00:09:21
Speaker
you, but it's everyone's first and second favorite part of the show. It's time to run the list. So for our preclinical patients,
00:09:31
Speaker
patients, Lord. Here we go as medical students always thinking of patient mode. For our preclinical students, running the patient list on the wards allows the team to address the most pressing matters of the day. So in this segment of the show, we will be discussing some recent events in medicine affecting our communities and the populations we serve. And there are a plethora of topics for us to discuss today. So let's
00:09:59
Speaker
get into it, shall we? Let's go. And this month was Native American Heritage Month. Love that. I love that. I love how we're just throwing Christopher to the side, because bye-bye, Christopher. What you doing over here? Only Christopher, we acknowledge as wildest. Wildest, period.
00:10:24
Speaker
Cause what? I can just think about all the ways that Native Americans have been so slighted in this country. And it's crazy cause like when we talk about oppression, right? I like the most, to me, like the most prominent forms of oppression that we can see that this, you know, this country has held is not only black slavery, but in my opinion, Native American,
00:10:44
Speaker
Yeah, like Native American exile, like, why are there only 2% in this population when they are the original inhabitants of this land? I'm confused. It makes no sense. Like, how does that even work? You know, so it just goes to show once again, white plight, white genocide and how it always results in the same things, right? Like no one's left and they have to do everything they can to fend for their their own group of their population of people, their culture, their heritage, everything like that. I mean, we see that they have
00:11:14
Speaker
their tribal reservations in certain areas of the US, especially in the Oklahoma territory, the Dakotas, all of that. And they've, but they've also, it came at a cost, right? Like they're in that position because of the Trail of Tears, where literally our quote unquote,
00:11:31
Speaker
President Andrew Jackson quote-unquote right all the presidents America has held has which has done nothing but shame Us and what we represent literally said actually we want this land so we're gonna tell y'all to scoot over to the Western southwestern area of the US and figure it out while we just take all the resources and everything that you've built already and that's where I
00:11:55
Speaker
they're in the position that they're in today, which is super sad, but it's also beautiful, right, because they took something so ugly and they made it into something beautiful, they have their own, like, they've been able to maintain their culture after all
Howard University Housing Protest
00:12:05
Speaker
these years, and like, they've been able to create their own, you know, government institutions, their own schools, and just kind of like, keep that heritage alive, and I really do admire, you know, Native Americans with that, and, you know, it's Y'all Month, and we're giving credit to you guys, because we know that Christopher has nothing to do with this month, and why America is the way that it is.
00:12:29
Speaker
Yo, Izzy, shout out to you, man. Real talk. I just mentioned the historical presidents because we talk about all the Native American heritage month, but there's so much history behind how it's instituted. So let me give you the background. You mentioned Andrew Jackson. In the 1830s, he signed the Indian Removal Act, which empowered the federal government to take back lands east of the Mississippi.
00:12:53
Speaker
And then in 1915, an individual named Dr. Arthur C. Parker, who was a member of the Seneca tribe, and he was actually director of a museum dedicated to Native Americans, he persuaded and was petitioning the Boy Scouts of America to have an actual Native American date. And through the powers that be, you know what I'm saying, and all of them kind of culminating together and working together,
00:13:18
Speaker
It was approved in 1916 and shout out to New York. The state of New York was the first state to mandate Native American Heritage Day. And it was typically on the second Saturday of each May. I mean, love that's awesome. And then.
00:13:33
Speaker
We fast forward 70, 80 years. In 1990, George H.W. Bush, the first Bush, he actually instituted the Native American Heritage Month. And then recently, Biden, he signed the Indigenous People Day on the same day that we have, quote unquote, as Izzy mentioned, Christopher Columbus Day. That's out the woodwork. That's so out, period.
00:13:57
Speaker
Right. So proclamation was made by Biden, October 11, 2021. So with that being said, like, I just want to say shout out to Native American people because they've been through so much and they've been so resilient, they've adapted. And it's crazy. This same land that I'm sitting on right here, like in Palo Alto in California, there was plenty of tribes here. It was living, feeding, eating, living a natural life. And genocide came to them through colonialism, imperialism, and
00:14:27
Speaker
human greed. I mean, and so it's just unfortunate that we don't talk about this more like each and every day. This is something even when I go back to middle school or high school, like this is a history that's been taken away from them that we are not enriched by or that we not we are not taught of that we are caught up
00:14:44
Speaker
Christopher Columbus, we're tired of all of these extraneous individuals that really did negative things for society and negative things to the communities that are already established here. There are 574 federally recognized tribes out here, you know what I mean? And 326 reservations and
AKA Sorority Controversy on Insecure
00:15:02
Speaker
they make up 56 million acres of land. So with that being said, if we really enrich our thought, our process and work toward the common good for those who have been taken advantage of,
00:15:13
Speaker
and recognize that this month is not necessarily for us as Black people, but it's for the people that have been silenced, which are the Native American people. So everybody out there that's listening, please, I implore you, read something, read an article, take a book, learn about Native American history and the countless tribes, the cultures, the tribes, and all of the things that they have historically done and empower yourself to learn because America will not allow you to do that in this system. You gotta empower yourself and do your own research.
00:15:41
Speaker
and individualize it so that you can go out there and make the change that you want to see in the world. Agreed. Period. Agreed. I think we all need to do a bunch of research on
00:15:52
Speaker
a plethora of topics. I think one topic that people have been doing a little bit too much research on in the negative way is this still the COVID pandemic and now the vaccine as if they have gone to school for microbiology, immunology, et cetera, et cetera. However, we do have some developments, right? The US Food and Drug Administration
00:16:18
Speaker
authorize the emergency use of the Pfizer BioNTech COVID-19 vaccination for the prevention of COVID-19 to include children of the ages 5 through 11 currently. So, I mean, I think
00:16:36
Speaker
I'm just happy because there are, I have got children that I don't want exposed to COVID. And I mean, if they are exposed, I honestly feel like the vaccine could help prevent them from having these crazy symptoms that these kids are getting. Yeah. I think it's good. I definitely think that like it's, it's time, you know, it's time to include, and especially considering like there's kids who have to go back to school, right? That's just like,
00:17:06
Speaker
that that's a big deal if you're not protected against a virus that's been so widespread and, you know, affected so many individuals. And so I'm glad that finally that kids can be able to take take part in this protection that we've had for most of us have had for some time. And I hope that you know, we see no adverse events. But hey, that comes with everything right, especially with
00:17:29
Speaker
vaccinations, you know, you can't expect to be perfect, but they have said that during the trials that they had where there was 3,100 children age five to 11 who received the vaccine. There were no serious side effects that were detected. So I think that's really good to hear. And hopefully we'll see progress made in this country because this pandemic really did do a lot of damage to our society. And I'm hoping that we can reap some of what was sown in terms of the research and the progress that's been made so far. I agree.
00:17:58
Speaker
Yeah, we got to protect our kids, man. 28 million kids between the ages of five and 11 are in America, which makes up slightly less than 10% of the population. Wow. And so, you know, Erica, you mentioned, you know, unfortunately with COVID-19, it doesn't just affect the elderly population. People just, there is a mis-confusion. It also affects our young children with this disease called MIS, right? There's multi-inflammatory syndrome.
00:18:25
Speaker
in children, which can cause myocarditis and cause a lot of inflammatory effects. And actually, we
Dr. Corey vs. Kaiser Permanente Case
00:18:31
Speaker
see that overall 791 children have died from COVID-19. And again, we have to be in a position now, I understand that parents have their own perceptions and opinions about the vaccine and
00:18:45
Speaker
You know, you could play either side of the fence, right? But for me personally, and we've seen the Kaiser Family Foundation recently, we'll talk about Kaiser a little bit later. But anyway, they found that 27% of parents would vaccinate their kids today, immediately today.
00:19:03
Speaker
And so for me, you know, although I'm not a parent, I just see it from this perspective of understanding the medical world and also understanding the social and political aspects of this is that, you know, we, we, we have to bond together and connect together and formulate a plan in order to strategize against this, this virus and so that we can move forward. And our kids have already lost a whole year from this pandemic last year, a year of life.
00:19:27
Speaker
I'm talking about, not a year of other things like literal year of life. And so it is our decisions that will impact them directly. And this will lead to positive outcomes in my opinion. And so, you know, the FDA, you know, they had 14 physicians on their panel and all 14 of them, they unanimously said, hey, this based off of the data,
00:19:50
Speaker
because we're not using make pretend, make believe, numbers, this is data. So let's definitely clarify that too.
00:20:00
Speaker
Right. And make sure if y'all do get, uh, anybody that's out there that got kids and get their kids vaccine, New York state and many other states, they're giving a hundred dollar debit cards. And they also give you an opportunity to go to New York city, the football club. Go shopping with that. Do this with our Toys R Us? Go shopping with that. San Antonio is giving a hundred dollars for HEB grocery. I don't know what HEB is, but it's a grocery store out there. So that's free food, whatever you, you know, parents. So.
00:20:26
Speaker
I know incentives may not necessarily be the main attraction, but also realize that it's just stressing the importance for the government and for the community at stake that
Travis Scott Concert Tragedy
00:20:35
Speaker
we really have to protect our children. I believe that this is the best way that we can protect them. It's 91% effective against symptomatic COVID as well.
00:20:43
Speaker
That's perfect. Read, do your research, as we mentioned, and you'll find all this information out. Instead of listening to anecdotal evidence like, oh, my child, boo, boo, boo, and this and that, like, please educate yourself. Take time. Instead of watching Netflix show, educate yourself about your child's future. Period. Absolutely.
00:21:06
Speaker
And yeah, we also have to look into other aspects of research, especially when it comes to how do we solve other issues in our world outside of the pandemic, right? Something like as huge as say, I don't know, world hunger has been something that's been affecting our society for how long?
00:21:28
Speaker
it never seems like we ever have a solution to it, right? Like it always seems like, oh, like what will we do? Like world hunger is so huge, like it can't be solved. And I feel like, you know, comparing some like the pandemic to say something like world hunger, which seems so insurmountable, but to me, a pandemic also seems kind of insurmountable, but we figured it out, right? Like we're figuring it out. So that leads me into Elon Musk, who now put out a tweet not too long ago, saying that he is willing to spend $6 billion to fight world hunger on one condition.
00:21:58
Speaker
To fight, wait, hold on. He said to fight world hunger like he was God, but okay. On one condition, if the WFP can describe on this Twitter thread exactly how $6 billion will solve world hunger, and he now said that he would sell his Tesla stock right there and then if they were able to do this. And then in a follow-up tweet, he now said that the UN's plan must include open source accounting so that the public sees precisely how the money is spent. And this is all according to CNBC. What do you all think about this?
00:22:27
Speaker
I think it's complete cap, honestly. You do? Yeah. So we look at, I've done some research and we look at the Forbes 400 in America, right? And
National Diabetes Month Focus
00:22:39
Speaker
we look at overall, a lot of billionaires and millionaires, they honestly do not donate any of their money. Eight out of the Forbes 400 individuals in America donate more than 20% of their wealth.
00:22:50
Speaker
Right. And we're talking about millionaires and billionaires. And we talk about Elon Musk. He's been rated as one out of five for his philanthropic efforts, along with Jeff Bezos. With that being said, even with all his vast amounts of wealth, I mean, this guy literally made several billion dollars in one day, like what his acquisition would hurts, right? Where they acquired 100,000 of his Tesla models. Now,
00:23:16
Speaker
He's been a billionaire for the last couple of years. Why now? Why haven't you thought and gendered this idea that there is so many challenges that people are going through? We talk about Ethiopia right now. Currently, there's 250,000 people in Ethiopia in a Tigray region in Ethiopia that's suffering from famine
00:23:38
Speaker
And they're trying to figure out how to get food to their families. We talk about Afghanistan. People are selling their daughters just to get food, bro. And this man is going on Twitter. This man is going on Twitter, bro. And he's talking about, yeah, so we'll see the percentage of people. I'll sell 10% of my Tesla stock. He did this like two or three days ago. If the majority of people feel like I should sell my Tesla stock, I'll do it. 10% of it. And I'll use it for whatever. You know what I mean?
00:24:05
Speaker
So with that being said, these people are very narcissistic. They have their own thoughts and
00:24:10
Speaker
their own ideations about what they want to do with the world. And if he really was focused on it, and why is he focused on trying to go to space and all, and I think it's dope that he's doing that, but there's also a lot of issues that were plagued by, you know, on the earth, you feel me? And again, also, I don't believe that, you know, he's necessary, he has to be mandated to do these things. But if you have any sense of morality, any sense of integrity,
00:24:36
Speaker
You don't need all that wealth. Literally, yo, you could live on 20 mil, bro, for the rest of your life. That's how much people make in America over their lifespan. 20 mil. You could live on 20 mil if you really needed to. You've got an excess of billions of dollars. What are you doing with that? You're just sitting on there, just chilling, bro. So why not? And even if the UN can't formulate the plan, the World Food Foundation, World Food Program can't formulate it.
00:25:02
Speaker
You could put people in that arena. You could put people in a room. You have the network and resources to say, hey, how can I cure world hunger? Where do I start? How do I cure homelessness? That's an interesting perspective. I'm curious to know, because you sounded like, what are you talking about? I'm interested to know what your thoughts are. No, I was just saying really, because it's interesting to hear other people's perspectives. I think, one,
00:25:26
Speaker
the fact that he got name dropped was just kind of like, oh, so you calling me out? Okay, well, I'll do this then. And I also feel like
00:25:40
Speaker
he mentioned he would do it as long as there's open source accounting. Meaning, no, listen, listen, this is how I feel. If there's open source accounting, if this is what happens, you donate money. Prime example, you know how much money I know of even myself have donated to like the American Cancer Society or other organizations.
00:26:04
Speaker
Is my money really being used for research? Or even when, what's the organization that helped when Hurricane Katrina? We are the world or whatever. The American Red Cross was catching heat because people were like, so where is my money actually going? That's a fact. If he has money that he wants to come up off of since he was called out, show me where the money is going to go and that won't be a problem.
00:26:34
Speaker
It would be great to think that everybody in the world has these desires to end world hunger or contribute to world peace. The people that are the top earners and the people that literally run the money world. That's not the case. They make their money, they work hard for it. Of course. I don't see them coming up off of it. But I do agree. If he wants to give his, you know, donate his money, show the man how the money is going to be used.
00:27:02
Speaker
I think open source accounting is a good way to start. And if these organizations could actually provide that, which more often than not, they don't, what company have you seen to provide open source accounting when it comes to handling humanitarian efforts?
00:27:22
Speaker
Listen, I mean I would say David Beasley who is you know, I'm chairing the wealth food program He has reached out countless times to Elon Musk with no response in regards to he actually is trying to create a plan for this Oh, we didn't it's very complicated. We debate I'm just saying it's a complicated issue. I know to it I don't know it to be fat cuz I've never researched it. I wouldn't put it past him for doing so but
00:27:48
Speaker
I mean, if he's willing now, you know, maybe Elon Musk has been trying to build space. Right. So who's the one that we said we were leaving his face? Was it Jeff Bezos? It was Jeff Bezos. Oh, so we were leaving him in space. All right. He's leaving him in space, right? Yeah, that's what we were leaving. Elon Musk is about to be up there, too. Right. I'm just gonna think of what is Tesla.
00:28:08
Speaker
And I know we gotta move on, but like Tesla is like the Jetsons. That's like the future. Right? So what I'm saying about what I mean by Elon Musk is busy trying to, he's trying to build what he was likely put on earth to do. Right. Maybe he wasn't put on earth to end world hunger, but he could contribute. So I agree. If he agrees to contribute now, great. If he didn't before, I can't speak to that. Cause I don't really, I don't know that man. Sorry to them.
00:28:34
Speaker
I mean, I don't know. I mean, I agree with you in regards to he doesn't owe the world nothing. Honestly, he has a lot of money. And although I'm if I was in that position, I would do certainly different things. But, you know, the world didn't give him nothing. Right. He started with literally nothing in the late 90s to get into Tesla and build his stock and build his acclaim. So
00:28:56
Speaker
You know, it is what it is at the end of the day. We know moving forward, these are common issues that come up. You target people. They're going to react how they react. He's going to feel how he's feel. He already has a vision for his plan, like you mentioned. And so we'll see what happens. Yeah, I mean, it'll be nice.
00:29:11
Speaker
And listen, when it comes to prominent people in the society, we have people who are trying to make effort to do good, and we have people who are just doing whatever the heck they want to do, and they don't care who suffers at the hands of it, right? I mean, perfect example, Henry Ruggs and the tragedy that just happened just this past Tuesday. I'll give a rundown for our listeners, but 22-year-old Henry Ruggs was a Las Vegas Raiders wide receiver who was charged with driving under the influence at 156 miles.
00:29:40
Speaker
I'm gonna say two times 156 miles per hour. I have never even touched the 100 mark, let alone the 90 mark when I drive with a blood alcohol level of twice of Nevada. This man came from I don't know where he came from. He probably came from the club. He came from
00:29:56
Speaker
I don't know where he came from, but he was drunk out of his mouth, drunk out of his mind, stepping on the gas like like nobody's business and his Corvette. And he was driving a very expensive car that he clearly, you know, got from this this position that he has as a wide receiver into the rear of a RAV4 that caught fire at impact, killing a 23 year old woman, Tina O. Tintor and her dog. I mean, can't make it up.
00:30:26
Speaker
Like, where do we go from here? How do you live with yourself? You killed somebody. Like, how do you live with yourself knowing that a life is lost at the hands of you just deciding to use whatever financial or status powers that may be? I don't know, whatever these professional athletes, you know, deem themselves to be, use that very
00:30:52
Speaker
irresponsibly, which then cost the life of another human being who you don't even know what plans she had for herself. You don't even know who she was going to be in the future. And all of that because of those two decisions that she made, one to be drunk, then two to be drunk behind the wheel.
00:31:08
Speaker
now cost the life of a whole other person. I just don't, how do you recover from that? Like, wow. I would love to know his mental state prior to getting an hour that night. Not even beyond the alcohol. Cause if you're driving that fast, you gotta, you know what I'm saying? Like where was his head at? Right. It's wild.
00:31:33
Speaker
Where was his head at? Like that, those types of speeds is like, were you trying to offer yourself yourself? Like, what was going on? But he's like, I'm, I'm reading the article and I'm like, dang, this is a baby. Young boy. Yeah, he's young. Right. Um, so.
00:31:52
Speaker
it real no no no no excuse at all but listen that that that frontal lobe development right there you go 25 clearly 25 why are men the weaker link 25 no it takes until it takes until 25 for men and women to fully form their frontal lobe
00:32:12
Speaker
For men and women, I know it can't be the same for women. For women, it has to be 18, because 25, why do y'all need all that time? What's going on? Let's not do that today. Let's not do that today, my people, please. No, but honestly, though, it makes me so
00:32:34
Speaker
I like to go out and have drinks, right? I'm pretty sure I was having drinks as soon as I turned 21, sticking to that. However, it makes you wonder, could this potentially cause a need to increase the age of drinking? Right. Yeah.
00:32:58
Speaker
I mean, look at the irresponsibility. Um, we just mentioned the brain and its development on the age of 21. It just, these little things as clinicians, it just kind of makes you think I'm no researcher, but I would love to learn more about like the effects of alcohol on an underdeveloped brain in terms of, and all when you might be able to speak to this, actually, like what are your thoughts?
00:33:29
Speaker
You know, and my, my thoughts on this is that, you know, unfortunately, you know, condolences to the life that was lost and also to Henry rugs as well, um, being a black man in America, dealing with this. And you talk about his frontal lobe. You talk about his brain. We also got to recognize that substance use, um, disorder and substance use issue can be a very common problem in a lot of
00:33:55
Speaker
individuals in the NFL and NBA and these professional sports where, for instance, they're dealing with a lot of pressures, right? You've got to be very successful. You've got the pressure to come to work, practice, do your thing, hold it down. And he's doing pretty well in the NFL. And I'm not excusing his behavior, but I do want to lend to the fact that number one, like you mentioned, he's young. Number two, when you take alcohol to a certain limit and then that inhibits a lot of your frontal lobe functioning, right? Your executive functioning, your ability
00:34:25
Speaker
to coordinate proper decision-making, it can affect you. And again, the brain is not fully formed until you're 25 years old. And so speaking to 156 miles, I'll self-sacrifice. I'll say I went over 100 miles per hour a couple of times. I ain't a lot.
00:34:43
Speaker
Hell, okay, cool. So y'all be doing that for real, for real, that's real? Nah, that was when I was young. No, I'm talking about I was young though. Okay, okay. You feel me? I was like, man, young. I was like 18, 19, no, you had a shorty with you. That doesn't impress me though. I've been in a car that it doesn't, I just want to fly out of the car. I'm too sensitive for that stuff. If the car is flying, I get nervous. That's just me though.
00:35:12
Speaker
But I just say like we just lost another, you know, a black man to, you know, we don't know what his conviction is going to be like, but we just lost him, unfortunately, to, you know, this whole situation where he probably didn't have a mentor. Yeah, if somebody got him, put him on with game with, yo, this is how you should act. You're a professional, right? Even on my last rotation at UCLA in neurology, right?
00:35:34
Speaker
The program director and me, we was writing down to one of the hospitals and all that. And he was telling me like, as a physician, you're always on the clock. People always watching you. It doesn't matter if you're not in a hospital. People, hey, that's Alduin. He's a doctor at such and such hospital, right?
00:35:51
Speaker
you know they can they can target that right and say like yo he's misbehaving he's not a good human being like they can antagonize you off of that and you could have a history of all good things that you do yeah like this guy he got a kid on the way he had a kid that just got born you know I'm saying
00:36:07
Speaker
Has a beautiful wife. Outside of this one incident, he wasn't known to be getting felonies and doing stuff in the street and all that. All it takes is one day, one incident, and your life is finished. That's all it takes. I say that to say, with that being said, everybody has listened. Make sure you take into consideration every decision you make could impact you forever. One little thing could drop you.
00:36:32
Speaker
So be smart, navigate all your choices and consequences prudently. You know what I mean? Right. You know, and it's like, look what you said, you know, you could have a wealth of good, but that could all be tarnished right by one situation. And there's a lot of things going on right now that people are very just shocked at and just upset at. And, you know, Henry Ruggs, I mean, I feel for him and I really hope that
00:36:55
Speaker
He pulls out of this, you know better on the other side and then he learns from it there's some other horrible things going on as well like say for instance at Howard University my alma mater which is going under a lot of heat a School that I deemed to also have a lot of good that I deemed that you know Put me at a very great position in life and I really owe so much to Howard but I'm embarrassed
00:37:20
Speaker
I'm embarrassed right now because of all the things that have been going on at that school. I don't even, I'm not going to go step on my soapbox and just go into like all of the things that I feel like happens not only at Howard, but just other HBCUs when it comes to just like not being heard, administration, just kind of like shoving aside students' wishes and just letting students fend for themselves despite high tuition, you know, payments that they make despite
00:37:44
Speaker
you know, giving so much to the school and trying to participate. But then how can you do all that when you got mold that you breathing in every night when you have rats and whatever running through your who's doing that you're paying money for that? Like, I just don't get it. So it's just been really sad seeing all of these situations like I've been
00:38:02
Speaker
You know, I clearly I follow a lot of, you know, Howard students Howard alum on my social media platforms. All I see is just like, you know, Howard has just been letting their students sleep out in tents like in front of the dining center because they just don't like their housing conditions and they're just not being heard. And it's just disappointing to see because like even when I was at Howard.
00:38:22
Speaker
There was a protest that happened for about nine days. It wasn't as long as this protest, but people were protesting similar issues. I don't know if it was housing. I don't know if it was housing conditions, but I think it was housing, like availability was the issue. So there wasn't enough housing for all the students. And so there's always like every year some rendition of another issue about the same thing, but just in a different flavor every year, I feel like at that school.
00:38:45
Speaker
And I really just need us to do better because these are schools that we look up to highly. These are schools that like educate some of our our greatest black minds and you like you want them to think, oh, I maybe I shouldn't attend because they're also complaining about this really important thing, which is like safety and just like feeling comfortable. And so.
00:39:04
Speaker
I'm not gonna stand on my soapbox, and I could only really speak for Howard, but I know that when Howard talked about their issues, there were other HPCs that started also kind of mentioning, yeah, we had this issue a couple years back or not too long ago, and so I think it has allowed for a platform to be more transparent about this is what's going on, and we should be more intentional. But yeah, I don't know what you guys' thoughts are and how much you guys know about what's been going on, because I've been seeing it a lot as a Howard alum, and it is really disappointing, and it makes me not even want to
00:39:33
Speaker
talk or mention it so much, because I'm afraid to make my school look bad, but at the same time, I also don't want to coddle them and say that it's okay, because it's not okay. Yeah, I don't think it's a matter of making a school look bad, personally. I think it's calling out the issues. I think every HBCU has had some issue that gets swept under the rug when you're an undergrad, and how we took it
00:40:03
Speaker
I can think of instances of situations when I was there at Hampton University and it was, oh, it's just a part of the experience. And I think some of us look at it as, yeah, it's just a part of the haze. Like it's just a part of going through school at an HBCU and you deal. And you know, for the most part we did deal and we made the best of it, but then,
00:40:33
Speaker
you realize like, wait a minute, no, like parents are paying money. Students have turned down other schools, some turned down scholarships to other schools so they could get that genuine HBCU experience. And it's like, why can't you, why can't you elevate? Why can't you meet standards? It's not even like,
00:40:55
Speaker
people are asking for much. We're not asking for gourmet food. We just want food that's healthy, that hasn't been sitting around, sitting out. You want an experience that you're paying for. Because at the end of the day, everyone's paying for their college experience, unless you go on scholarship. And even with scholarship, you still have a right to have certain things
00:41:21
Speaker
outlined and, you know, present for you. So I don't think it's a matter of sitting quiet. Like we realize like, okay, this is crazy. If I went through this when I was there, there's no reason if I have a child at this school now that they should be going through the same thing. So going through it, right. And I think that's the issue. Like a big issue amongst HBCUs across the board is financial aid, right? Like the financial aid department or the accounts department. Why is there still a line?
00:41:49
Speaker
that I have to wait for to get whatever done. Why can't it just be automated online? And these are just some of the gripes and concerns that I've heard over the years. I'm 15 years removed now from undergrad. So it's like to hear the same things over and over is just crazy. So I think they need to do something about it. I really do. I hope these students' voices are heard, their concerns are heard,
00:42:18
Speaker
Their health is unaffected. And shout out to the students at Howard. Howard has been historically known for making noise and affecting change. So I stand with them. Same. Hampton supports Howard here.
00:42:37
Speaker
I appreciate it. Yeah, I also support them as well. You know, and some of these disastrous things that are happening, if you look at a PWI, if this was happening over there, like, it wouldn't necessarily be an issue, like they would get on this, like, national news. Right. This is like media backlash. And still, these students are dealing with this. This goes back to what, like 2018, 2019 has been an issue, you know, with the mold and everything. 28. And probably we could
00:43:03
Speaker
let's take it back here. But it's just, you know, like we have to pick and choose our battles, right? Like we can't be talking about both every year. Now today, the issue is actually more about the fact that I can't even get into a dorm. Like let's switch it up because we can't, we have to see which one's more of the pressing matter, right? So that's just how bad it is that like, there's always these issues, but like, we can't even always mention the same issues every year because it's like we have to, we have to switch up the flavor, right? Like,
00:43:27
Speaker
and you really can't make this up right before this episode I was watching so you know another figure that we know of that he was interviewing somebody and they were talking about how much money is donated to HBCUs right and over the last year 4.7 billion dollars have been donated to HBCUs
00:43:46
Speaker
Prior to that, in the budget, HBCUs asked for, in 2020, they asked for about $800 million. And they got about 660, something like that. So you have all this excess money. And now these students are dealing with this issue like, y'all got this bread or what are y'all doing? You know what I'm saying? Isabella, you were saying these students are paying exorbitant amounts of money. They got student debt.
00:44:13
Speaker
The expectation is that when they come to school, all they deal with is school, not freaking mold, not asbestos, not these extraneous factors that affect your physiology to the point that it induces stress, that that stress induces an impact on your grades, that impact on your grades affects your ability to create and cultivate success in your future. It's all lined up. And so Howard got to do a better job. And I'm glad that you're being transparent about this and being
00:44:42
Speaker
like, woke about it and talking about it, because if you won't do it, then who else will, right? And oftentimes with these issues, you know, we see it in the news here and there, but it's not something that's necessarily targeted. If this story happened at UGA, or University of Delaware, or it happened at work, you know, name you like a big major school, everybody like, oh my God, what's going on, my kids, this and that, protect my kids, ah!
00:45:06
Speaker
Like, but when it's an HBCU, nobody wants to talk about it. Now let's talk about it and let's confront them. And I'm glad that they've been out there and they actually are marketing this and saying, Hey, this is the issue. Now y'all need to face this and we're going to continue pushing on. So shout out to the Howard students that are dealing with this. We love y'all. I appreciate y'all. And we hope that this issue gets rectified at the end of the day.
00:45:29
Speaker
I think one thing with black college students or alumni is you kind of touched on it. Like we like to try to maintain this reputation, right? Right. We don't want to go off too much. We try to like keep things in house. Right. And oftentimes we can do that well, but
00:45:50
Speaker
Lord have mercy. Um, on, on this next topic, we were not really able, and I say we, because I am a member of Alpha Kappa Alpha sorority incorporated, we were not able to keep our feelings under rap. Um, with regards to the episode, which I did not see because I have been buried under books, um, in secure episode, which. Mentions and features.
00:46:19
Speaker
Um, two of the cast members, Molly and what is, uh, what's her name? Um, is it Tiffany on the show? And they're both AKA's. They've been AKA's on the show since season one. We've known that. Um, the issue that many of my, I'll say my soul wars because I don't know, I can't speak for, I can't speak for like,
00:46:47
Speaker
individuals that are not in divine non-organizations, but my swords were not happy for a number of reasons. The main reason that I've learned is that the official shield was used on the show without being cleared. There was a lot of other, and listen, I'm a fan of Issa Rae. I would like to shout out personally,
00:47:17
Speaker
big sister from Hampton University, Sheona Tarini, who is a stylist. If not, I think she might actually be the stylist for the show, who had Tiffany dressed in pink and green from head to toe. That drill was hard. It was hard. I seen the... She looks fly. I'm gonna let you know that girl. She looks fly. We're shouting you out, Sheona Tarini. She may never hear this, but I'm proud of her. But all that to say, I don't think it was so much them having
00:47:47
Speaker
the organization displayed. For people who realize it, it was the shield displayed. That's what I heard as well. As far as I know, it was not cleared. That's from sources. I've been trying to do my research on it. I haven't been on social media much, but I have seen people who are heavy in the sorority that have mentioned
00:48:11
Speaker
the shield wasn't cleared for use. And that's where the issue comes from. And honestly, if it was any other organization and something, not just paraphernalia in general that says the letters, if it was like your shield, they would have raised hell to guarantee. So that was the issue.
00:48:34
Speaker
Um, it didn't go over well. And then a whole bunch of people who, you know, may or may not have had issues with the sorority in the past came on Twitter, Instagram, Facebook, said their piece. Everybody was extra. Yeah. I have a follow up question, Erica. Cause like, what do you think about just like ESA?
00:48:55
Speaker
kind of feeling a little bit slighted by that, like saying that, like, I like, I don't know what exactly you said, but she was more so kind of upset saying that, like, yeah, go ahead. I was going to say, like, basically what she said was that if you want me to delete, like that aspect of the episode and tell HBO to delete the actual whole episode. I mean, I mean, I when it comes to a GDI, an individual,
00:49:25
Speaker
A person is not in an organization. Right. What does GDI mean? Yeah, break that down for us. It's an individual. Or independent. I will leave it at that. Can I?
00:49:44
Speaker
I just, sorry listeners, we just have secret. It's just, we are a PG show and we do not say any curse words on here. A gosh darn, a gosh darn independent or gosh darn individual. Let's just say people not in divine not organizations. I, you know, if she was in one, maybe she would have been more sensitive.
00:50:07
Speaker
I agree. And that's real. That's how I feel. I mean, if I was her as a person in a non divine now organization or just not in a divine now organization. And what I mean by that is a black Greek letter organization.
00:50:26
Speaker
I probably would have said something similarly because she was getting so much heat. At one point, I was like, dang, is it really that bad? And then like I said, I was informed that it was like, nah, there was apparently the shield.
00:50:43
Speaker
was portrayed on the show. And not just like sitting in a corner, it was like worn by a person, not in the organization. And I think that's where all of the uproar came from. So yeah, I don't hate her for it. I love the show. I think it's great for black culture. I think there's so many, and I'll be brief, there's so many other
00:51:09
Speaker
individuals that are never exposed to Black Greek-led organizations. So on a show that gives that exposure, like back in a different world, you used to have AKA's, Q's, kappa's on the show. That's facts. On the paraphernalia, whatever. So you got exposure. So I'm happy that she's exposing.
00:51:30
Speaker
people to black reglet organizations. I'm happy for it. Thanks for the insight. Because I was looking at it like, yo, like I had my certain opinions about it, but then that's why we got to have these conversations so that I understand your perspective. And now it's like, all right, take your perspective from somebody that's actually in the organization. And now I could see it like and move forward and say like, you know, like more than see how it's clarification for everybody. Right. Because like, I think
00:51:59
Speaker
person who should mostly speak about it is the one who's in the organization so how convenient that we have a member in the team that's great right appreciate you know in terms of clarification i mean we were also getting clarification other things we've talked about in our previous episodes with
00:52:18
Speaker
the situation that happened with Dr. Corey and Kaiser Permanente, Permanente, sorry. We know that they decided to remove Dr. Corey because she decided to speak on truth about issues facing black and brown people in medicine and just in health in general. They suspended her thinking that no one was going to speak up, that we were just going to keep quiet. And now it's come to light about the situation. They were deemed
00:52:44
Speaker
in violation by the National Labor Relations Act that Kaiser Permanente definitely should never suspended her. And she, Dr. Corey made that known on her Twitter and let them, you know, let everybody who has been following this case know that it's actually received attention that she is going to get some form of justice for what was done to her all those years ago. So I'm just glad that she was able to, you know, that everything has come full circle with that situation that we're finally getting some justice because they hate it when a black woman speaks up and tries to make the truth. No, they can't stand it.
00:53:14
Speaker
I can't. She did her thing and stayed encouraged in the process. And we read that letter that she sent on one of our previous episodes. So Dr. Corey, we stand with you still. And we are so inspired that you did not give up on this
00:53:35
Speaker
this fight because this this helps us future medical doctors, black and brown medical doctors who may face similar issues in our own careers. And it's just inspiration to kind of, you know,
00:53:50
Speaker
Keep going and go after what you believe. Don't let yourself be silenced. Right. Yeah, I mean, she was literally the only Black woman that was a group facilitator at the time, you know, and the way that she was empowering so many students. And I think, you know, we got to lend credit to her in regards to many times people see, oh, I'm an individual. How do I face a whole organization or institution as myself and face these charges?
00:54:18
Speaker
You know, she believed in what was going on and she believed that in some ways she may be a scapegoat, but in some ways she is, you know, a leader. She is a representative of those who cannot voice their opinion and their thoughts about creating a diversified field in medicine. And so even while I'm in Cali right now, right? I'm on, I was on a Cal train coming down and you see Kaiser Permanente everywhere, right? We talk about the CEO, the dude that was affiliated, you know, unfortunately died, Bernard Tyson.
00:54:48
Speaker
Um, was a black man, you know, and so to see a lot of the disastrous effects of this, especially her being a black woman and trying to kind of navigate the situation and kind of changed it, you know, the, the field as a whole and for them to antagonize in this way, it's just unfortunate. But.
00:55:06
Speaker
I'm glad she's doing this because other people are going to face this situation. It's not the first time. And it's not going to be the last time. But you know what I'm saying? We talk about 20, 30 years ago, this thing was happening. Nobody was saying nothing like, but now it's like, yo, we ready. We prepped for war. And y'all want to act on it? Like, let's get it. I'll spend the bread. We going to legal. We go to litigation. And I'm so happy that everybody got support of her, including myself and everybody on this podcast. So I look forward to seeing the results of this and, you know,
00:55:36
Speaker
Shout out to Dr. Corey, Sierra Leone and Trini. You know what I'm saying? Stand up. She's still representing and pushing through. That's a whole queen right there.
00:55:44
Speaker
Right. And, you know, so we mentioned Native American Heritage Month and we've talked about a lot of things there. We still have to mention before we round it out, we talk about, you know, National Diabetes Month, because that is a very important topic to discuss. I want us to just quickly, quickly add, and I meant to do this after we spoke about Henry Ruggs and that whole situation. But I think we were excited with, you know, the Howard and Insecure episode. But
00:56:10
Speaker
What in the world happened yesterday at this man Travis Scott's concert? What is going on? You know what? Like, I'm so grateful. I'm so grateful. I was raised in a Nigerian household. Thank you, God. Because the fact that some of these parents are letting their children go to the concert.
00:56:29
Speaker
go to concerts, Travis Scott? Last year, that man was throwing up a microphone looking like the devil himself. What is my child doing there? Is it bad that I have to Google this individually to figure out who he was? No, it's all good. But I will say there is a lot of sickness going on. I was even watching videos prior to the shows, like 5, 6, 30, people are rushing through literally these gates.
00:56:55
Speaker
and already started to trample over people. And so with that being said, there was not enough crowd control. And you got people 10 years old at these concerts, you know, not even being monitored by their parents. And the Travis want to give a fake apology. Did you all see his apology? I've seen the video, bro. And he was like, he was like sliding across his forehead. Oh, my God. I'm sorry. Was this the all my friends are dead singer?
00:57:24
Speaker
Yes. No, that's Uzi. Travis is the one who did Ash, like Asherworld, the one who was dating Kylie Jenner, who impregnated that girl twice. Kylie Jenner's baby father. Yes, that one. Yeah. Literally, it just has me thinking human beings are really wild. They're very sick. Now it's when my mom said, yo, you're not going to... Growing up, I could not go to concerts.
00:57:49
Speaker
My mom said people do drugs, people die. I was like, she was dramatic. And now that I've seen this, I'm just like, yo, she was so true. There was a dude in the crowd that was injecting people with drugs. They found out. They're trying to find out who he is, but he injected apparently eight, nine people. People are just sick. And then I was talking about Boy Who Wants You Rolling Loud, which is another festival.
00:58:10
Speaker
it happened in New York, but similar kind of effect. But he was like, I went to the festival. And the second day, people started pushing me to the front. And I was like, nah, bro, like, I'm not being in the front no more, like, because I feel like I'm gonna get trampled. And then he sees his event. It's like, oh, it just makes a whole bunch of sense.
00:58:25
Speaker
And let's call a spade a spade. Let's call a spade a spade. The only reason why our concerts have started looking ridiculous like this is because we're not gatekeeping rap the way that we should be. There are white individuals who are turning rap concerts into a rock and roll with LSD, with all this like, yes, MDMA people. It's nice to sis. Pylocybin. I'm doing a presentation on MDMA and PTSD this upcoming week.
00:58:57
Speaker
You're right though, you're right. Black people have converted from, you know, that sticky icky and reefer, as my parents have called it in the past. They on them harsh, you know. You're right though. You gotta hear drugs right now. You're right. No, that's true. It's a hybrid now. It's a hybrid of Black people we're seeing now. It's a hybrid.
00:59:22
Speaker
But now, honestly, condolences to the people that lost their lives. Who gets up and is like, I'm going to concert. I'm dying today. I'm going and having a good time. It's on the Houston PD. It's on Travis Scott. I got to figure out a way to make the environment safe. Figure it out. This is the first time that there's been a mortality at a concert.
00:59:42
Speaker
since 2017 and in 2017 when it happened it was because of a mass shooter non shooter lethal event. You know what was even watch was more trash. I mean I can't say because I don't live there anymore but I wonder how many of those people were actually from Houston.
01:00:00
Speaker
Because Astro World is a Houston staple. It's mad people that fly in for that. It definitely fluid. When it was actually Astro World, I have classmates that used to work at the theme park. Fortnite, all that. When they tore it down and whatever they did to rebuild in a sense, they went back, they reminisced. Astro World is done now. You can't even as a Houston native,
01:00:28
Speaker
go back and enjoy something that was a pure part, like the most pure part, right? It's a theme park, part of your childhood. And yeah, it's just 10 year olds, 14 year olds. Why are you at a festival?
01:00:44
Speaker
It's the parents because what is the parent the parents got to tell them whether or not they can go or not I was not going nowhere I can't get to a concert parents, right? And they go and that's true and that's true too. Yeah, that's true I mean, I'm not like clearly now I know as a parent my kid is not attending any any concert of that level No, maybe maybe blues clues or Barney concerts. I don't know what they have but they're not going to Travis Scott I'm sorry private we go higher Travis got to come to the house. Yeah, like we're not
01:01:14
Speaker
I'm not doing that. You're making a lot of money, by the way. Once again, rest in peace to all the victims of that fatal event. I'm so sad to hear that. I haven't even released the names yet, as far as I know. But yeah, we living in a different day, y'all. It's a different day. I don't know. Did people die when they went to Woodstock? I gotta ask my mother because that was her era. Did they die? I don't know, death?
01:01:41
Speaker
Maybe, I mean, who knows, right? Like, I feel like it's a different, it's a different situation, but same outcome, maybe, you know? But what makes us sad is the fact that, like, it's young children out here. Like, I don't, I hope young children weren't going to Woodstock, you know? And it took them 40 minutes, too, to actually, like, firmly, like, realize, like, yo, let me start the show. Yeah. Because there was ambulances and all that, and they just continue to ignore that. Yeah. You know what I mean? Yeah. People were trying to, you know, HPD was trying to tell them,
01:02:08
Speaker
But it was like, yo, we got 50,000 people. And although it could fit 250,000 people in that arena in that setting, they was trying to get at them like, yo, let's stop this. But it took time for them to get to managers, to the event holes, and the venue, and all that.
01:02:25
Speaker
Yeah. It's just overall just a disaster. So, condolences to the man, it's wet. Yeah. Yeah, anyway, to round it out, I mean, before we end, it is National Diabetes Month and so also trying to give attention to another
01:02:43
Speaker
big killer, something that is also kind of preventable as well, diabetes, and the focus of the CDC for this year's National Diabetes Month is pre diabetes and actually prevention of pre diabetes turning into diabetes. And so how can we be mindful of that and make sure that we do what's necessary to, you know, advocate for people who could be at risk of, of
01:03:07
Speaker
Basically getting diabetes and like what are the steps that we can take and so the CDC of course made know that 88 million Americans have pre-diabetes but majority of the people don't even know that they have it and so there's definitely a gap in knowledge in terms of how people can be tested for whether or not they're
01:03:23
Speaker
possibly at risk of developing diabetes. And so they recommend that people get blood tested to determine this, also just getting active, changing your diet, maybe joining some kind of diabetes prevention program that's near you in your area. And so and also we know diabetes affects so many black and brown people, we are at the highest risk of receiving that, receiving that, especially knowing that so many of us live in food deserts, and like we just
01:03:50
Speaker
Maybe a lot of us are working a lot of jobs so we don't have the time or the energy to really work out like that because we're also raising our kids. So there's so many factors that go into this. And so just want to make all of our listeners aware about National Diabetes Month. And if you know anybody, maybe you have a family member, maybe you have somebody close to you that either has diabetes or is at risk of receiving diabetes, just letting them know what their options are and what resources they can tap into. Absolutely.
01:04:18
Speaker
Yeah, make sure you know, you tune in, make sure like Isabella said diabetes is just a devastating disease. And particularly when we talk about neurology is one of the number one risk factors for dementia, particularly Alzheimer's dementia.
01:04:33
Speaker
And there's a whole mechanism. Y'all could study pathophysiology in regards to that. But diabetes just leads to a whole bunch of issues with cardiovascular disease, renal issues, retinopathy in the eye. It leads to so many things. And so people oftentimes, especially in the black community,
01:04:50
Speaker
are diagnosed with diabetes. I saw this on Rotations where it's like homeboys having erectile dysfunction. He's starting to have like blindness and it's like, oh yeah, I'm just getting old. It's a natural, bro, you 53, bro. This is not supposed to happen to you. We got to target the prevention aspects, especially for our communities because people are not, unfortunately, not educated, right? The average American has a sixth grade level reading level, right?
01:05:18
Speaker
And we don't take the time to really learn about how to take care of ourselves, right? What we eat is ourselves, you know what I'm saying? So if you're eating a lot of sugar, then you're going to turn this to diabetes itself, you know what I mean? You're going to have to- I'll turn it to diabetes. I don't speak dramatic, but you're right though. You're right. You said don't touch the sugar. Yeah, you're right though. I'm not trying to sugar coat it. You're right, you're right. No, I ain't. I'm just laughing at the wording, but you're right though.
01:05:47
Speaker
The awareness is key and that's why I love this space and I love that we're here to talk about issues like this. And then, you know, when we move forward with our professional careers, it's important to us regardless of where we at. Diabetes affects us in psychiatry, neurology, internal medicine, urology, like you think of any
01:06:04
Speaker
aspect of medicine. And so I implore you not just us here, but all our listeners that are in medical school, think about how diabetes is such an integral part of our society now. And so we have to target that when we're seeing our patients and educate them so that we can move forward and increase the lifespan and longevity. People are dying from things like renal failure at 60 years old, where it's like, bro,
01:06:31
Speaker
You could have taken care of yourself. Like, I'll be biking out here, bro, like five, 10 miles a day off of the diabetes joint. You know what I mean? Like, I'm trying to combat that. So we just got to create that awareness and understanding. So I'm happy. This month is beautiful that we're doing it. That sounds good. That's a great run the list, guys. And thank you to our listeners for listening.
01:06:56
Speaker
Next month, we'll have more things to talk about, but we hope you guys enjoyed Run the List.
01:07:02
Speaker
Yes. So, you know, we own a financial corner segment. Shout out to y'all. Y'all about making this bag, making this bad bread, bread, bread, bread, leveraging all the opportunities. It's so key. Financial corner. We own a corner. Are we on a corner? We in the corner. I don't know how I feel about being on the corner, but I am present. Can you just be like, would it?
01:07:27
Speaker
Like, come on, come on. I've been noticing Erica and Aldi, y'all have been debating today what's going on. Nah, nah, nah, nah, nah, nah, nah. The hawk is out. It is 40, 30 degrees in New York. Oh, hi. Yes, you out there in Palo Alto, so you could be on the corner. I'm a bee in my car looking at you. Hey, it's 60 degrees out here. Bless God. Oh, wow. That's beautiful. I love that for you. That's great.
01:07:57
Speaker
I will be present with you in the corner. Anyway, Financial Corner, we empower you for success. All our listeners to ensure that you're understanding and create financial literacy and generational wealth for the future. Today, we're going to be talking about the doctor loan, the opportunity to buy your own home at an early stage in your career.
01:08:19
Speaker
And we know that right now the average amount of medical school debt is at $216K in 2021. And it takes doctors 13 years on average to repay all their loans. So with that being said, why not use your debt to leverage buying a property? You know what I mean? But you gotta be really prudent, right? When you're buying a property,
01:08:40
Speaker
It got to be a place where you foresee yourself being on a permanent basis because you want to buy a property and you live in Atlanta, right? And then you go to residency in North Dakota or Colorado, California, where I'm at in Stanford. And you're just so kind of so separate from the actual opportunity to take advantage of it.
01:09:02
Speaker
I'm actually experiencing this right now actually being here and I got my property in Atlanta and I'm renting it out and all that. There's some issues that's coming up. You want to be in a position where it's like, I really dig this vibe, I really dig this place that I'm at so that I could be here and leverage my place being here, but leverage the opportunity to rent it out and all that.
01:09:26
Speaker
having a doctor loan what the beautiful thing about having a doctor loan is that number one you got no PMI so PMI stands for private mortgage insurance right so with doctor loans you could typically right put down two to five percent on a home so when you buy in a home usually obviously most people don't got three hundred four hundred five hundred thousand dollars that they could just drop right unless you're a rapper celebrity unless you like Yeezy worth six billion dollars whatever the case may be jay whatever
01:09:55
Speaker
You could drop down the money and buy the house. But the thing is, most people, if you can't put down at least 20%, they're going to charge you an extra 0.5% to 1% on the loan that they give you. So with the doctor loan, what happens is that they don't give any PMI so that that's not an increase in the amount of interest that goes on your loan per year.
01:10:19
Speaker
We know when you're in medical school and when you're going through this whole process, most people including myself, I'll tell you, I keep 100. I'm in six-figure debt. I'm probably going to hit half a mil with my two masters in med school with my debt. Oftentimes, a lot of these people, when they look at you being getting pre-qualified, which essentially
01:10:40
Speaker
is looking at if you are qualified in initial stages based off of your credit score, based off of things like how much money you've gotten, like what's your career looking like and all that. They take into account your income to
01:10:55
Speaker
debt ratio. So as a medical student, you're making your income is zero dollars. But your debt is exorbitantly high. I talk by myself and most people. And so a lot of doctor loans, they don't look into the income to loan debt ratio, fortunately. And so with that being said, in most instances outside of the doctor loan, they want your income to debt ratio to be less than 50%.
01:11:21
Speaker
For most of us, if you had zero and you got like 300, $400,000 in loans, it's like, that's like, I don't know. We're riding on faith. Don't you know that? Right. But we take out those loans. We're riding on faith that it's going to all work out. That's all. That's all. Because when you say that out loud, it sounds crazy, but you really understand that there's so much faith and time we put into this because we have to pay off. Because, what?
01:11:47
Speaker
5,000 people didn't match last year, but that's another topic to talk about. Most of the people that go through this physician loan, they can't adequately, you know what I'm saying?
01:12:03
Speaker
supply that they got an income, right? So with the physician loan, what you could do even right before residency, like you showed them like, yo, I'm approved to go into this residency. And so now I got, this is how much I'm gonna make. And so I'm gonna let y'all know and like, you know, y'all could approve me because you know, I'm gonna be in a high earning, you know, field. Most, on average, physicians make anywhere between 250,000 to 300K a year, which puts them in the 85th percentile in America.
01:12:33
Speaker
And what's good with physician loans is that a house, they could give you a loan for a mortgage on a house up to a million dollars. Sometimes they can give you even more. I've seen banks that give you 2 million, 2.5 million, depending on your situation. And with the physician loan, another good thing is that you don't necessarily have to have the best credit in the world.
01:12:57
Speaker
Some banks will give you a loan with the credit as low as 640, which is about like good. Yeah, that's a good average average average, you know, so which is which is really good, you know.
01:13:11
Speaker
And with the income, obviously the income standards, right? I have a follow-up question all in real quick. Yeah, sure, go ahead. So we talk about this doctor loan, which is like so high and like, you know, having to now get property can then maybe be... So essentially what you're saying is the fact that we're taking out loans to become doctors, does that put us at a...
01:13:30
Speaker
at a better advantage than say somebody who has loans not trying to become a doctor? What exactly? 100%. 100% because with the physician home, what happens is that, again, you could leverage your debt. This is only specific to MDs and DOs. In some cases, you could be a DMD, you could be like an OD, which is optometry as well. In some cases, pharmacy as well. With this debt, it leverages to get a property and think about it, you could do so many things with a property. You could turn into a business, you could
01:13:58
Speaker
You could have your practice in your house if you want to. You could rent the situation out for Airbnb, or you could have students come in, which I'm doing, and rent it out to the students. So there's different things that you could really do with it. But if, for instance, you're taking debt out for, I don't know, getting your side D, right? No offense to the side D people. But they
01:14:20
Speaker
They don't, although there are doctors, right? Or DNP, there are doctors, they don't necessarily qualify for this physician loan. It's all off of the base that you can make so much money that they're looking at you like, yo, they definitely going to repay that. Like, I see. Right.
01:14:35
Speaker
So that's where the advantage lies. Well, I learned a lot. I don't know if anyone else has any questions.
Property Ownership Advice for Residents
01:14:41
Speaker
You got any questions, Erica? Because I feel like I just learned a lot within this like five minute spiel that Aldon just said. No, I don't. Looking forward to being a property owner at some point in the future. So I'm going to take all of this.
01:14:53
Speaker
Yeah, and the thing is, what's beautiful about this? Like, RIPE and all my fourth years right now, if you know that you're going to be in an area where, you know, and it's kind of hard to decipher because we're dealing with interviews and trying to match, but if you match in an area where you're like, oh, this is how you, like, this is where I want to be at, potentially, as soon as you get your match letter, like, you hit up a bank, right? Like, for instance, like Bank of America, like, you know, they got, you know, a whole London service, you know, that goes up to $2 million.
01:15:22
Speaker
And a lot of these banks that you work with, but also banks that you don't work with, they'll put on for you and you could actually close on a home before you start residency. You know, as fast as 90 days, you know what I'm saying, from you getting that letter, right? Yeah, I always wondered how Faith got hurt. We all remember Faith who was on our team. Like she bought a whole home before she started her Peds residency. Oh, Faith, yes, yes, yes. I didn't know that, Congrats. Shout out to Faith.
01:15:47
Speaker
I don't know what she did. I don't know what she did, but she's doing it right. I'm going to have to hit her up too about, girl, are you buying homes before you start? So she sounds like she's also on the right path to financial freedom and success. I love that. So use this opportunity, people.
Wealth Creation Through Debt
01:16:05
Speaker
This is one way that you could create and leverage wealth using depth, and there's different ways. And we'll talk about that in the future, but we'll start with the docked loan if you're going to be a docked in some shape or form. That's awesome. Love it.
01:16:17
Speaker
Thank you for this financial corner. Always informative. So that's our show. Thanks so much for joining us for this episode of The Lounge. And let us know your thoughts about the discussions we had today or ask us a question for a chance to be featured on Consults by emailing us at podcast at SNMA.org.
01:16:44
Speaker
Be sure to follow the SNMA on all social media platforms and stay up to date on our upcoming events. You know what I mean? We got AMEC pulling up. We got a whole bunch of RMX pulling up. So make sure you stay tuned on the snma.org. That better be on your favorites list because we always outside, we stay ready. You know, regional, you know, RMX was at region two this last weekend. So we just building, you know, elevating.
01:17:11
Speaker
so shout out to everybody and we outside with it so love y'all appreciate y'all continue to be great and let's continue to progress toward come on i'll do you gotta finish the music is playing thank you guys so much thanks so much for listening guys we'll catch y'all next episode
01:18:02
Speaker
I don't know how to go edit that but...