Karishma Manzur | Matt Connarton Unleashed

0:00 Speaker 1: Hey, everybody, welcome. Here we go a special bonus hour

0:05 Speaker 1: number four of Matt connorton Unleashed. Today. It is August thirtieth,

0:09 Speaker 1: twenty twenty five, and we are live at three pm Eastern,

0:12 Speaker 1: And of course, whether you're tuning in live, if you

0:15 Speaker 1: are tuning in live, feel free to chime in in

0:17 Speaker 1: the chat room. We have a very special guest we're

0:19 Speaker 1: going to introduce in a moment, and if you are

0:21 Speaker 1: enjoying this in the podcast feed after the fact, welcome.

0:25 Speaker 1: It is a holiday weekend, so I don't know how

0:27 Speaker 1: many live listeners and or viewers will have, but I

0:30 Speaker 1: know a lot of people are going to be checking

0:32 Speaker 1: out the podcast of this. Jenny is here. Of course

0:35 Speaker 1: she is not at the news table because we're not

0:38 Speaker 1: at the radio station, but she.

0:40 Speaker 2: Is that creative space.

0:41 Speaker 1: You are, Yes, you are at a table of sorts

0:44 Speaker 1: and joining us live on the show. We have Karishma Manzor,

0:50 Speaker 1: a New Hampshire candidate for the United States Senate challenging

0:55 Speaker 1: for the Democratic nomination. And Hello, Karishma. Hello man well Sisa,

1:01 Speaker 1: Oh sorry.

1:02 Speaker 3: Hello Jen, good afternoon, Good afternoon.

1:08 Speaker 1: So it's nice to have you here. We were, of

1:11 Speaker 1: course Jenny and I were recently at your event at

1:14 Speaker 1: McIntyre here in Manchester making your official announcement, and Jenny

1:18 Speaker 1: was Jenny spoke there as well, as there were a

1:21 Speaker 1: number of great speakers there that day, and of course

1:23 Speaker 1: and you spoke and announcing your candidacy. Why are you well? Actually, well,

1:30 Speaker 1: let's start here for tell us a little bit about

1:31 Speaker 1: your background, if you would, and then I want to

1:33 Speaker 1: know all about why you're running. You're certainly an underdog

1:37 Speaker 1: in this race. Of course we'll get into all of that,

1:40 Speaker 1: but tell us a little bit about you and your background.

1:44 Speaker 2: Sure.

1:44 Speaker 4: Thank you first of all, thank you Matt, thank you Jen,

1:46 Speaker 4: and thank you for all the listeners. I truly appreciate

1:49 Speaker 4: that you guys are giving me this opportunity to reach

1:52 Speaker 4: other people across Mawhampshire. Let me see who am I?

1:55 Speaker 2: So?

1:56 Speaker 4: I'm Kirishma. I live in Exeter with my husband my

1:58 Speaker 4: two children. I'm a scientist by training and I've been

2:03 Speaker 4: working in clinical research for about twenty years. Over twenty

2:06 Speaker 4: years now so clinical research. My work has involved finding

2:11 Speaker 4: treatments for various illnesses. I worked on Alzheimer's disease at

2:15 Speaker 4: one point, but the last few years, I was mainly

2:18 Speaker 4: focused on epilepsy and depression, and I loved my work.

2:23 Speaker 4: I love being a scientist. I love being love doing

2:26 Speaker 4: clinical research. It is just so gratifying. You don't end

2:30 Speaker 4: the day saying, oh, another eight hour day, or ten

2:33 Speaker 4: hour day or twelve our day. You just absolutely love

2:35 Speaker 4: it because you know that whatever you're doing, whatever the

2:39 Speaker 4: workload is, it is always helping people. So it's a

2:43 Speaker 4: form of public service. Matt and Jen. It is a

2:45 Speaker 4: form of public service because scientists.

2:47 Speaker 2: We don't really yes, we don't get rich.

2:51 Speaker 4: We don't go in for the money. We go in

2:53 Speaker 4: because we care about people and we want to help them.

2:55 Speaker 4: So but over the course of the last couple of years,

2:59 Speaker 4: I started to get a little sad because every time

3:02 Speaker 4: I would hear, wait a second. So we have all

3:04 Speaker 4: these great treatments, we have all these wonderful research going on,

3:09 Speaker 4: but what will happen to these treatment? Will people be

3:12 Speaker 4: able to access it? And yes, many millions of people

3:15 Speaker 4: are able to get receive treatment, but it was disheartening

3:19 Speaker 4: to realize that millions of Americans, millions of Americans don't

3:23 Speaker 4: have access to and adequate healthcare, or they don't have

3:27 Speaker 4: access to they might have private health insurance, but they don't.

3:33 Speaker 4: They can't afford the copays. And so I started to

3:36 Speaker 4: move away a little bit, started to think, Wait, what's

3:38 Speaker 4: going on? Why is why is this happening in the

3:42 Speaker 4: richest country in the world, Matt. We live in the

3:45 Speaker 4: richest country in the history of the world. Yes, so

3:51 Speaker 4: why are millions of Americans suffering from various ways? But

3:55 Speaker 4: I was focusing specifically on healthcare at one point, and

4:00 Speaker 4: it's not because lack of resources. It's because it's deliberate, Mett.

4:04 Speaker 4: It's deliberate, it's by design. It's working exactly how people

4:08 Speaker 4: want it to work. The lawmakers have been basically leaving

4:12 Speaker 4: us behind for decades. Many are there are really great

4:16 Speaker 4: fighters over in Congress, many great fighters, but the majority

4:20 Speaker 4: actually are not interested. They're corporate politicians. So as long

4:25 Speaker 4: as their donors are happy, as long as their own

4:28 Speaker 4: portfolio is doing well and their stock options, they're actually

4:32 Speaker 4: doing quite well. Whereas here on the ground, people, and

4:36 Speaker 4: it's beyond healthcare, like the fact that we have our

4:39 Speaker 4: minimum wage is stuck at seven twenty five. It's really terrible. Absolutely,

4:44 Speaker 4: it's horrifying what we are doing to people, childcare is

4:49 Speaker 4: a serious crisis right now. There are so many families

4:51 Speaker 4: who just can't afford fifteen hundred or two thousand dollars

4:54 Speaker 4: childcare per month when they're working. It's terrible. And so

4:59 Speaker 4: what do you do. I go back to work, but

5:02 Speaker 4: I can't afford it because most of my salary is

5:04 Speaker 4: going to go to childcare, so it's worth it. What

5:07 Speaker 4: a terrible decision. And then the housing crisis, Matt so

5:10 Speaker 4: as more I started to move into the legislative field.

5:14 Speaker 4: I started to understand, Wow, there are all these crises

5:17 Speaker 4: that we hear about, we read about, but those are

5:20 Speaker 4: not impossible problems. Those are not problems that you know,

5:26 Speaker 4: as a government should be able to predict what's going

5:29 Speaker 4: to be needed. Populations growing will need more housing, families

5:33 Speaker 4: need childcare, cost of living needs to be managed, salaries

5:36 Speaker 4: have to keep up with inflation, and over and over again,

5:40 Speaker 4: I saw these wonderful pieces of legislation that have been

5:43 Speaker 4: introduced in the House and the Senate and barely, I

5:46 Speaker 4: mean it barely gets any enough co sponsors. So that's

5:50 Speaker 4: how I started to move away from research into nonprofit sector,

5:54 Speaker 4: then into the legislative work, and I basically became to

5:57 Speaker 4: a decision, many of us from the nonprofit sector, that

6:00 Speaker 4: it's not enough just to have just to elect a Democrat.

6:03 Speaker 4: We have to elect the right Democrat.

6:05 Speaker 1: And so here I am wonderful. You know, Jenny and

6:09 Speaker 1: I you you talked about how our health insurance system

6:14 Speaker 1: works or doesn't work, and you know you you you

6:17 Speaker 1: said something that I often say. We live in the

6:19 Speaker 1: most prosperous, most innovative, most successful country in the history

6:25 Speaker 1: of the world, and yet we somehow can't make sure

6:29 Speaker 1: that everyone has access to adequate or preferably better than

6:33 Speaker 1: adequate health care. It doesn't make any sense. And the

6:37 Speaker 1: reasons you laid out for why that is the way

6:39 Speaker 1: it is, it's true and and it's you know if

6:46 Speaker 1: I always say if we had and and we'll get

6:49 Speaker 1: into the I don't know exactly where you are on this,

6:52 Speaker 1: but I I've always advocated and you know, Jenny and

6:54 Speaker 1: I talked about this a lot too. You know, if

6:56 Speaker 1: we had single payer health care care. Because people say, well,

6:59 Speaker 1: where would the money come from, It's like, well, the

7:00 Speaker 1: money is already being spent. If you had single payer,

7:03 Speaker 1: now your employer doesn't have to pay for your health care.

7:06 Speaker 1: Now your employer doesn't have to deduct money from your

7:09 Speaker 1: paycheck to pay for your health care. So the money

7:11 Speaker 1: is already there. But we could just get rid of

7:15 Speaker 1: the whole. Because the thing about health insurance companies, and

7:19 Speaker 1: I like to be a little more blunt about it

7:21 Speaker 1: than most people are, to be very blunt, and let's

7:25 Speaker 1: hear it, to be very blunt. The health insurance company

7:29 Speaker 1: only wants you around as long as you are an asset,

7:33 Speaker 1: as long as your premium is getting paid every month

7:35 Speaker 1: and you're not costing them money. Once you move from

7:38 Speaker 1: being an asset to a liability, you're now costing them money.

7:42 Speaker 1: The insurance company then, at that point, would prefer that

7:45 Speaker 1: you die. It's purely a business.

7:48 Speaker 4: It is disgusting to think about it. But Matt exactly though.

7:52 Speaker 1: Yeah, it's true.

7:53 Speaker 4: It's horrible, horrific.

7:55 Speaker 1: Oh my god. Yeah, they want why they want you

7:57 Speaker 1: to die at that point.

7:59 Speaker 3: And that's the reality they were all living in, right,

8:00 Speaker 3: And anybody who knows me knows that I've spent years

8:03 Speaker 3: now advocating and trying to help people get the health

8:07 Speaker 3: care they need that they're denied by these arbitrary systems.

8:11 Speaker 2: And the thing.

8:12 Speaker 3: Is that the usual excuses, I don't want government run healthcare,

8:16 Speaker 3: But that's not what it is. We're not talking about

8:18 Speaker 3: socialized medicine. We're talking about what exists in your I

8:23 Speaker 3: don't know, Matt, you and I are going to have

8:24 Speaker 3: to have a debate about what's the best country in

8:26 Speaker 3: the world, because I think you're I don't think you're

8:30 Speaker 3: right on that one, because.

8:32 Speaker 2: I got to be in other places and.

8:36 Speaker 3: In the Netherlands, everybody has access to healthcare. Whatever it

8:40 Speaker 3: is that they need that the doctor orders, gets ordered.

8:42 Speaker 3: The cost is minimized because there isn't all this bureaucracy.

8:46 Speaker 3: And the doctor says you have X and need test

8:49 Speaker 3: to be okay, you get that. They say you need

8:52 Speaker 3: this drug and it goes to the pharmacist, and the

8:55 Speaker 3: pharmacist delivers it to you and that's the end of

8:58 Speaker 3: the friggin story right there, as far as hell, and

9:01 Speaker 3: it's cheaper, there's no billing crap, there's none of this.

9:05 Speaker 3: I mean, I had a provider that had to hire

9:07 Speaker 3: a new staff member to do nothing all day every day,

9:10 Speaker 3: but blue cross, blue shield denials of care for therapy,

9:14 Speaker 3: for mental health therapy should be something easy to get

9:18 Speaker 3: through insurance.

9:18 Speaker 4: And this is a full time job jender.

9:21 Speaker 2: Yes, versus that business was in conquered. This is here.

9:25 Speaker 3: Business was in conquered and they had they already had

9:29 Speaker 3: billing staff. They had to hire another staff member to

9:33 Speaker 3: do nothing but Blue Cross Blue Shield denials.

9:36 Speaker 2: Never mind the other company denials.

9:38 Speaker 4: Wow.

9:39 Speaker 2: Right, So this is what we're living with and it's

9:41 Speaker 2: not that.

9:42 Speaker 3: So if it's insurance works by we all pay into

9:47 Speaker 3: a pool, yes, and then that pool pays the bills.

9:50 Speaker 2: Yes, we all pay taxes. This is our money.

9:55 Speaker 3: It goes into the Medicare fund that's supposed to pay

9:57 Speaker 3: the bills. Not give United Healthcare enough fuel to use

10:02 Speaker 3: their Gulfstream jet because they don't want to apply with

10:05 Speaker 3: the peasants.

10:06 Speaker 2: Utilizing our government to protect those profits.

10:11 Speaker 3: I need somebody in the Senate who's going to stand

10:14 Speaker 3: up to that, because nobody's doing it for me now.

10:18 Speaker 3: I was getting treatments covered by my insurance company. But

10:21 Speaker 3: since the new regime take over, they have now said

10:25 Speaker 3: that though I am not cured and there is no cure,

10:29 Speaker 3: they're no longer medically necessary. They called and told me

10:32 Speaker 3: that would not put it in writing, but will not

10:35 Speaker 3: give me a prior authorization, so I cannot get the

10:38 Speaker 3: treatment unless I pay cash upfront.

10:41 Speaker 2: I've tried to get help, and I've got crickets.

10:43 Speaker 3: And CMS, Center for Medicare Services is supposed to keep

10:47 Speaker 3: their feet to the fire and say that the.

10:50 Speaker 2: Law says you do X, that's what you do.

10:52 Speaker 3: That's their job to enforce those laws and make sure

10:55 Speaker 3: things are done right.

10:56 Speaker 2: I got crickets. I got no you know what they

10:58 Speaker 2: told me.

10:58 Speaker 3: CMS literally to me to try another insurance, oh my thought.

11:03 Speaker 3: Or to see a provider who doesn't offer the treatment

11:07 Speaker 3: that I need because the provider that they have or

11:10 Speaker 3: in network don't do these treatments. So I should give

11:15 Speaker 3: up treatment or just hang out until next year and

11:18 Speaker 3: try another insurance, because you know, illness lets you just

11:22 Speaker 3: hang out, right.

11:22 Speaker 2: You know that as a scientist, don't you. So if

11:25 Speaker 2: we had, like when you talk.

11:27 Speaker 3: About Medicare for all, people say government funded healthcare, that.

11:33 Speaker 4: Is absolute bullshit.

11:35 Speaker 2: That is bullshit.

11:37 Speaker 3: That is taxpayer funded, just like your insurance is now

11:40 Speaker 3: pay into the pool the pool bills. So if Medicare

11:44 Speaker 3: is accepted in most places and the doctor builds Medicare

11:46 Speaker 3: and Medicare pays the bills, without all the craft that

11:49 Speaker 3: goes on now, so there's not that overhead, not that cost.

11:53 Speaker 2: The cost of health care comes down.

11:55 Speaker 3: Medicare is accepted by most everybody, so you have access

11:59 Speaker 3: to everybody, so you don't have network constraints, state line

12:03 Speaker 3: border restraints.

12:06 Speaker 4: Right.

12:06 Speaker 3: So the kind of health care you're talking about makes

12:09 Speaker 3: it accessible for everybody and puts everybody in the same

12:12 Speaker 3: playing field in that you need chemo, you get the chemo.

12:16 Speaker 2: The insurance company doesn't get to.

12:17 Speaker 3: Say you need to try the cheaper version first, and

12:21 Speaker 3: then when that fails and it's too late to try

12:24 Speaker 3: the one the doctor wanted you on, you die sooner,

12:28 Speaker 3: so you don't cost them as much money.

12:30 Speaker 2: And I know that that's what my health insurance company, United.

12:32 Speaker 3: Healthcare, is hoping that I'm just going to kick off

12:34 Speaker 3: because they're not going to cover it.

12:36 Speaker 2: Well, I'll do what I always do. I'll pay for

12:38 Speaker 2: it my damn self, because they're not going to win.

12:41 Speaker 4: They're not right, you know.

12:42 Speaker 3: But it shouldn't be like this, so we shouldn't have

12:44 Speaker 3: to fight those battles. So that's one of the very

12:48 Speaker 3: biggest reasons why I was so happy to endorse you

12:51 Speaker 3: as a former state representative. As a former Republican, You're

12:57 Speaker 3: everything that I need up there to ensure what you

13:00 Speaker 3: want to bring to the table will save lives.

13:02 Speaker 2: What's going on.

13:03 Speaker 3: Up there right now and the status quo And I'm sorry,

13:06 Speaker 3: but your counterpart supports Medicare advantage, which is destroying lives

13:10 Speaker 3: and killing people.

13:11 Speaker 2: And that's exactly what's doing it to me. And I've

13:14 Speaker 2: tried so hard with letters.

13:16 Speaker 3: And phone calls and meetings of trying to say please

13:19 Speaker 3: listen to us because we're hurting out here.

13:22 Speaker 2: And yet the status.

13:23 Speaker 3: Quo politicians up on the hill keep signing off on

13:26 Speaker 3: Medicare advantage and increasing the amount of money these companies

13:30 Speaker 3: gets in profit out of tax dollars Medicare tax dollars, well,

13:35 Speaker 3: increasing our costs.

13:38 Speaker 1: Well, let's let let's let Chrisma talk about that.

13:42 Speaker 4: You guys brought up so many great points. Okay, I

13:45 Speaker 4: don't have a piece of paper. I could have should

13:47 Speaker 4: have taken notes. I'm going to try to remember first

13:50 Speaker 4: Matt and Jenn. First of all, my god, you guys

13:51 Speaker 4: are the information that you guys just shared. You have

13:56 Speaker 4: to talk about it all the time out there everywhere

13:59 Speaker 4: because of us. Don't even know about these things right

14:03 Speaker 4: until suddenly we lose it, like we lose our employment,

14:07 Speaker 4: or we get older, or we are now some other disadvantage,

14:11 Speaker 4: and then you realize how messed up the system is.

14:14 Speaker 4: But we cannot wait until people are in their most

14:17 Speaker 4: vulnerable and then have to experience these terrible situations. So

14:22 Speaker 4: what you guys talked about, please talk about it over

14:25 Speaker 4: and over again with everyone. Let's get that message out.

14:28 Speaker 4: And what you said, I mean it was it kind

14:32 Speaker 4: of was chilling you called it, which is actually true.

14:35 Speaker 4: We are either assets or a liability. We're a commodity.

14:40 Speaker 4: How disgusting. So because why because it has become healthcare

14:46 Speaker 4: should not be for profit? Good God, healthcare should not

14:49 Speaker 4: be for profit, and that is exactly what the model

14:51 Speaker 4: we have. And so one thing I would like to

14:54 Speaker 4: say is look at our fire services, the first responders,

14:58 Speaker 4: whether it's the fire service or the police force. They

15:03 Speaker 4: are not for profit. We pay into for these services,

15:07 Speaker 4: and God forbid that we don't need it. But the

15:10 Speaker 4: day we may need it because there's a fire in

15:12 Speaker 4: the house or a burglars breaking in. I'm so glad

15:16 Speaker 4: that we have a fire department in my town and

15:19 Speaker 4: a police department in my town. Healthcare should be like that,

15:22 Speaker 4: not a for profit service. It should always be there

15:27 Speaker 4: and when you God forbid, if you're ill or you

15:29 Speaker 4: get into an accident, you have access to it. And

15:32 Speaker 4: it shouldn't. And Jen touched on this the amount of

15:36 Speaker 4: money we're wasting on the bureaucracy. Jen, I look this up.

15:41 Speaker 4: Thirty four percent of what we spend on healthcare, thirty

15:44 Speaker 4: four percent goes to bureaucracy, not to pay for medicine

15:48 Speaker 4: or treatments or devices or the physicians, just bureaucracy. And

15:53 Speaker 4: like you said, you walk into a doctor's office and

15:56 Speaker 4: you know the receptionist is in the front checking you in,

15:59 Speaker 4: but you see two or three people are in the

16:01 Speaker 4: working in the background. All they're doing is fighting with

16:05 Speaker 4: health insurance. It's a legitimate doctor's office, it's a primary care.

16:09 Speaker 4: You know they're going to most proudly order blood tests,

16:11 Speaker 4: maybe some other tests, and they're going to sign up

16:15 Speaker 4: a physician, an MD who has gone to medical school,

16:18 Speaker 4: who has done the internship, who has done the residency,

16:20 Speaker 4: who has years of practice, has to basically fight with

16:25 Speaker 4: the insurance company. Someone somewhere, maybe in the Philippines, somewhere

16:30 Speaker 4: who will be like, nah, I don't think so. I

16:31 Speaker 4: don't think that test is required.

16:33 Speaker 2: Who are you?

16:35 Speaker 4: What medical degree do you have? We have to talk

16:40 Speaker 4: about it loud and clear. We have to inform people,

16:42 Speaker 4: and we have to say this is unacceptable and why

16:46 Speaker 4: is it? Why so we are now the only developed

16:50 Speaker 4: nation in the world, not only the richest, but we

16:52 Speaker 4: also have another we were sticking out. We're the only

16:58 Speaker 4: developed nation does not have a universal health coverage. Right.

17:02 Speaker 4: That is embarrassing. It is embarrassing.

17:05 Speaker 3: And not only that, we associate it with work only.

17:09 Speaker 2: So you get sick and you can't work anymore, you

17:12 Speaker 2: lose your health.

17:13 Speaker 3: That's what happened to me. I was a full time

17:16 Speaker 3: healthcare worker. I had a multiple jobs, but I got

17:18 Speaker 3: breast cancer, and that's that trashed my whole life, right,

17:22 Speaker 3: And it wasn't any fault, but exactly that, right, like

17:26 Speaker 3: we associated yeah, yeah exactly, and the minute you're sick,

17:30 Speaker 3: it's like, yeah, well, if you can't make me money

17:33 Speaker 3: and you can't serve me, I got no use for

17:34 Speaker 3: you anymore.

17:35 Speaker 4: Yeah, exactly, And it's really wrong. And then a lot

17:39 Speaker 4: of times it stops a person from moving to another job.

17:43 Speaker 4: They're like, yeah, you know, I don't like my job.

17:45 Speaker 4: I want to see an advancement, but you know I

17:47 Speaker 4: have that health insurance, like it really holds people back.

17:50 Speaker 4: It does so from the employee perspective, you were like,

17:54 Speaker 4: you know, I really want to try something else. Maybe

17:58 Speaker 4: I want to take some time off, maybe I want

17:59 Speaker 4: to try and start my own business, but I cannot

18:02 Speaker 4: afford health insurance on my own. But and I think Jen,

18:05 Speaker 4: you touched on it, from the employer's perspective, it is

18:09 Speaker 4: draining them. Every single year, the premiums keep going up,

18:13 Speaker 4: and it is absolutely terrible. I've talked to small business

18:18 Speaker 4: owners who are afraid to hire more people because they

18:23 Speaker 4: just can't afford it. Right, Like Jen said, you lose

18:28 Speaker 4: your insurance when you are when you're sick. But another

18:32 Speaker 4: thing that happens is say you are forty, maybe you're

18:35 Speaker 4: a fifty year old or a sixty year old, and

18:37 Speaker 4: you're still working and you try to get a job.

18:41 Speaker 4: That employer will look at your age and say, this

18:44 Speaker 4: person might cost me more because my insurance company will say, huh,

18:49 Speaker 4: we are spending a little bit more because your employees

18:51 Speaker 4: have more illnesses. Your premium is going to go up.

18:54 Speaker 1: It's a good point that.

18:56 Speaker 4: Stops employers from hiring a fifty year old and sixty

18:58 Speaker 4: year old. You'll see people we will say, I'm almost

19:02 Speaker 4: it's impossible to find a job now because I am

19:04 Speaker 4: at a certain age. So it makes no sense what

19:09 Speaker 4: we have. It is absolutely horrible for individuals. It's horrible

19:14 Speaker 4: for employers. It's horrible for the people who get sick.

19:19 Speaker 4: We need to let's say, okay, so we have established

19:21 Speaker 4: it's a broken system. So now, so I'm a scientist, Jen,

19:26 Speaker 4: you are also coming from science, Matt, I don't actually know.

19:29 Speaker 1: I'm very bad at science. Math and science are not

19:34 Speaker 1: my friends. But that's why I trust people who know

19:36 Speaker 1: about science.

19:38 Speaker 4: So Jen and I are both coming from the healthcare field.

19:41 Speaker 4: So we are this kind of like we're kind of

19:44 Speaker 4: we are pragmatists, we're practical. We're like, Okay, there's this problem,

19:49 Speaker 4: let's figure out the problem, what's causing the problem, Let's

19:52 Speaker 4: look at solutions and implement the solutions.

19:54 Speaker 3: And it's a very.

19:55 Speaker 4: Simple, right. It's like for us, it's like it's a

19:58 Speaker 4: no brainer, but obviously it's so not a no brainer

20:01 Speaker 4: for a lot of people, or maybe they're too corrupt

20:03 Speaker 4: to be no brainers for them. Okay, so what is

20:06 Speaker 4: the solution. Let's talk about the solution. Then. We need

20:12 Speaker 4: one single healthcare plan that is not going to be

20:16 Speaker 4: for profit we cannot have, and that is not going

20:20 Speaker 4: to have thirty four percent spent on bureaucracy. We are

20:23 Speaker 4: going to have one single pair system which will cover

20:27 Speaker 4: every American across the country. And what is that system called.

20:33 Speaker 4: There's only one plan out there, which is Medicare for all. Now,

20:36 Speaker 4: the word medicare is being used way too many places,

20:39 Speaker 4: and I think it's just scare people. So there's a

20:41 Speaker 4: different and this is Jen. I'm going to try to

20:44 Speaker 4: explain it, but I know you're the expert, so please

20:46 Speaker 4: chime in because you have taught me so much about medicare. Folks,

20:50 Speaker 4: if you have any questions, ask Jen. She's like, I swear,

20:54 Speaker 4: she's brilliant and she's an expert. All right, So Jen

20:59 Speaker 4: helped me out. Here's the traditional medicare, which is the

21:02 Speaker 4: Plan A, Plan B, and Plan D yep. Okay, so

21:06 Speaker 4: that is available to people when they hit sixty five.

21:13 Speaker 3: Yeah, or you can currently sixty five my generation, it's

21:17 Speaker 3: switching to sixty.

21:18 Speaker 2: Seven seven, okay. Or have you become disabled right okay?

21:23 Speaker 2: Or you're born Sometimes it happens for children.

21:26 Speaker 3: If you're born with some kind of a disability, you

21:29 Speaker 3: may have have medicare granted right out of the gate

21:31 Speaker 3: as your baby.

21:32 Speaker 4: That's true, okay. Now, Medicare Advantage should not use the

21:37 Speaker 4: term medicare because that abuses the word medicare and throws

21:40 Speaker 4: people off.

21:41 Speaker 2: That is that typical.

21:43 Speaker 4: Marketing scheme to use a good word, and.

21:48 Speaker 2: You know, don't do that.

21:49 Speaker 4: Don't do that.

21:50 Speaker 3: And that's one of those bills you were talking about

21:53 Speaker 3: that's sitting in the Senate. You're a stalled that's supposed

21:56 Speaker 3: to forbid them from being able to use that term.

21:58 Speaker 3: So they can because so many people, especially older folks,

22:01 Speaker 3: get tricked in states, especially where they can call you

22:05 Speaker 3: and do everything over the phone.

22:07 Speaker 2: Yes, I mean yeah, and that's it all.

22:10 Speaker 4: But now Medicare advantage, it uses the term medicare, but

22:14 Speaker 4: it's all for profit insurance companies are part of that, right, yes, okay,

22:20 Speaker 4: So that's where it's no longer a controlled environment. Now

22:25 Speaker 4: you've gone into the for profit sector and therefore you

22:27 Speaker 4: are now, oh, they are not going to cover this

22:30 Speaker 4: treatment or they're going to meet pre authorization, and then

22:32 Speaker 4: it becomes that whole complexity and it is no longer

22:36 Speaker 4: about the patient and their provider. It becomes about a

22:38 Speaker 4: CEO and their profit.

22:41 Speaker 3: One of my specialists has staff that do nothing all

22:43 Speaker 3: day but sit on the phone getting prior authorizations for

22:47 Speaker 3: every single treatment done.

22:51 Speaker 4: The other day I was at the doctor's office and

22:52 Speaker 4: I intentionally talked to them. I was like, I need

22:56 Speaker 4: to talk to you guys. How long does it take

22:58 Speaker 4: you to get authorization? Like every single insurance company has

23:03 Speaker 4: its own system. Some are over the phone, Some are

23:06 Speaker 4: like this complicated computer system. Some are a little bit easier.

23:09 Speaker 4: And they said, sometimes it can be I can be

23:11 Speaker 4: on hole for an hour, one patient, one procedure, on

23:15 Speaker 4: hole for an hour. Ye think about how annoying and

23:20 Speaker 4: how grotesque that is. It is so wrong. So then

23:25 Speaker 4: so now okay, so but we are feeding. So at

23:29 Speaker 4: the moment, our whole healthcare system costs five trillion dollars,

23:35 Speaker 4: five trillion dollars. That's with a big ta Medicare for all,

23:42 Speaker 4: which is different from traditional medicare. Because okay, I should

23:45 Speaker 4: talk about it a little bit just before I go

23:47 Speaker 4: into the finances. Medicare for All builds on traditional Medicare,

23:51 Speaker 4: but the advantages I should not say the word advantage.

23:54 Speaker 1: Okay, Johnny calls it Medicare disadvantage.

23:59 Speaker 3: Okay, Okay, we're talking about about that one partsy out.

24:04 Speaker 4: Okay. Medicare for All builds on the awesome Medicare system

24:10 Speaker 4: that we have. But it includes dental, vision, hearing, and

24:14 Speaker 4: long term care, which is not part of traditional Medicare,

24:18 Speaker 4: because those are extremely important.

24:21 Speaker 3: That's a that's another thing that we do that other

24:25 Speaker 3: countries don't do.

24:26 Speaker 2: We don't.

24:27 Speaker 3: They take eyes and teeth a part of your body.

24:29 Speaker 5: So like that's you know, part of the healthcare too,

24:34 Speaker 5: but here not so much. Even though a truth bacteria

24:40 Speaker 5: can cause a fatal heart condition and life.

24:43 Speaker 4: So I had to tooth move not to get to personally.

24:47 Speaker 4: But I need a filling. It's gonna cost me five thousand.

24:50 Speaker 4: I'm like, no, I think I'm good.

24:51 Speaker 2: Oh my god, I'm getting out of my dentist. We'll

24:54 Speaker 2: talk later.

24:56 Speaker 4: Some people said, go to a foreign country and get

24:58 Speaker 4: it done. It'll be cheaper.

25:00 Speaker 1: That's what Americans are doing because the people.

25:02 Speaker 2: Do get health care at home.

25:04 Speaker 3: And it touched back to what you were saying about,

25:06 Speaker 3: how all of this is integrated, so that doctor is

25:09 Speaker 3: paying for that staffer for an hour salary to sit

25:12 Speaker 3: on hold, plus matching their taxes and paying their Medicare

25:16 Speaker 3: and paying their all of that cost. Yes, to hold

25:19 Speaker 3: on for prior authorization. Now if you just got to

25:22 Speaker 3: do the treatment, what's the cost of that? And how

25:26 Speaker 3: many more people are available to actually take care of

25:28 Speaker 3: patients instead of pushing pencils?

25:31 Speaker 4: Exactly? Absolutely so. Now, now, so that five trillion dollars system,

25:37 Speaker 4: if we transfer, we get rid of all those for profits,

25:41 Speaker 4: we get rid of all the CEO's money, and the

25:43 Speaker 4: Wall Street's making a huge amounts of money. Oh my god,

25:46 Speaker 4: Wall Street is so happy with the broken system. And

25:49 Speaker 4: we get rid of the bureaucracy, and we just hold

25:52 Speaker 4: on to that five trillion dollar system. Medicare for all

25:55 Speaker 4: will be six and fifty billion dollars cheaper than that

25:58 Speaker 4: five trillion dollar system.

25:59 Speaker 2: Exactly.

26:02 Speaker 3: Let if we think about our history too, Oh gee,

26:06 Speaker 3: politicians stole money out of the Medicare Trust Fund.

26:11 Speaker 2: How about wouldn't this put money back into it?

26:14 Speaker 3: I hadn't get healthcare to more people at a better price,

26:19 Speaker 3: Like there's so much about that that just snowballs.

26:22 Speaker 4: So Jen, why are we why don't we pass it?

26:24 Speaker 4: Why are we the only nation in the developed nation

26:27 Speaker 4: that doesn't have that system limit? Let's talk.

26:30 Speaker 2: Hmmm, it's the lobbyist.

26:33 Speaker 3: Oh yeah, a multimillion dollar industry. They spend millions and

26:38 Speaker 3: millions of dollars on the hill. I watched as it

26:42 Speaker 3: happened when we tried to fight that money shouldn't get

26:46 Speaker 3: increased to these health insurance companies, you know, with the

26:48 Speaker 3: twenty five million dollars the EO salary, right, and they're

26:52 Speaker 3: cutting our benefits like this year Medicare disadvantage cut dental

26:56 Speaker 3: care except for cleanings and X rays. Oh, because that

27:00 Speaker 3: those are cheaper. So it just I thought this was

27:04 Speaker 3: about giving us more benefits to this cheaper cost. But

27:08 Speaker 3: here's the thing, you know that Medicare disadvantaged those companies United.

27:12 Speaker 2: Healthcare at the Blue Cross, Blue Shield, they make millions

27:16 Speaker 2: of billions.

27:17 Speaker 3: They make over eight well, United Healthcare makes about eight

27:20 Speaker 3: billion dollars every three.

27:21 Speaker 2: Months in profit, and a a ton of that.

27:24 Speaker 3: Is Medicare dollars because they make more money on Medicare

27:27 Speaker 3: advantage patients than they do anything else. Because first of all,

27:30 Speaker 3: they get like a flat month forgetting you as once

27:34 Speaker 3: you signed up on THEIRS, they get money for you. Now,

27:36 Speaker 3: every time they add a diagnostic code that makes you sicker, they.

27:42 Speaker 2: Get more money. The sicker you are, the more money

27:44 Speaker 2: they get.

27:45 Speaker 3: If they keep denying and delaying your care, they're not

27:48 Speaker 3: spending it, they're pocketing it. And that's exactly what's going on.

27:51 Speaker 3: And I will tell you. I know I've said this

27:54 Speaker 3: to you before. I don't want to say it or

27:55 Speaker 3: on air. I've asked so many politicians tell me something.

27:58 Speaker 3: Tell me one thing that helped insurance companies do to

28:01 Speaker 3: increase positive outcomes in any healthcare case.

28:05 Speaker 2: I know, And only one tried to answer me.

28:08 Speaker 3: He's like, they collect data because we don't have enough

28:11 Speaker 3: universities and medical facilities and actual doctors and nurses and

28:14 Speaker 3: scientists to do that. We need some yall bulge Bullsharry

28:19 Speaker 3: bullshit out of sitting in some office with his three

28:23 Speaker 3: thousand dollars suit. Yeah, you know, flying in his Gulf

28:26 Speaker 3: Stream jet over to his freaking yacht on our Medicare

28:30 Speaker 3: tax dollars.

28:31 Speaker 1: Yeah, And that's what.

28:32 Speaker 3: Medicare advantage is absolutely freaking horrible and it's one of

28:35 Speaker 3: the biggest fleasing of America that has ever happened has

28:39 Speaker 3: been medicare advantage. And how much money these multi millionaire

28:43 Speaker 3: billionaire people are making on the backs of the working

28:45 Speaker 3: poor while they're denying them chemo, denying them care. I mean,

28:50 Speaker 3: you remember the doctor that wrote the letter yelling at

28:53 Speaker 3: them for denying Yeah, kid with cancer, the zaufriend from

28:58 Speaker 3: the nausea. How how got a role that felt to

29:01 Speaker 3: read that doctor's letter like no doctors should ever have

29:04 Speaker 3: to do that. I've watched doctors on the Hill practically

29:07 Speaker 3: in tears in front of committees, to the Senator saying, please,

29:11 Speaker 3: I have cance children with cancer that need access to

29:14 Speaker 3: this drug. We're supposed to have orphan disease access. Why

29:18 Speaker 3: don't we have it? And the politicians, Yeah, that's why

29:22 Speaker 3: I think a scientist on the hill who understands the

29:26 Speaker 3: real of these decisions. Yes, I want somebody up there

29:30 Speaker 3: who actually knows that when you don't pay attention to this,

29:32 Speaker 3: people die.

29:34 Speaker 4: Exactly.

29:34 Speaker 1: There's another there's another reason. Nobody ever talks about this part.

29:38 Speaker 1: But I think there's another reason why we why Americans

29:41 Speaker 1: tolerate such a broken healthcare system. We're conditioned from a

29:45 Speaker 1: young age to accept and to believe that we have

29:50 Speaker 1: a great healthcare system. Because when you're young and you're healthy,

29:54 Speaker 1: and if you're like I remember being, you know, young,

29:57 Speaker 1: and hell, knock on wood, I'm still healthy even at

29:59 Speaker 1: the age I haven't had anything catastrophic go wrong. I'm lucky.

30:03 Speaker 1: But but when I remember being young and having a

30:06 Speaker 1: full time job working for a company that had what

30:08 Speaker 1: I assume was was really good health insurance because I

30:11 Speaker 1: never had to use much of it, and you know,

30:13 Speaker 1: so you get conditioned to Okay, i'm young, i'm healthy,

30:15 Speaker 1: I've got a job. Oh I'm sick, I'm gonna go

30:18 Speaker 1: to the doctor. I might have a small copay whatever,

30:21 Speaker 1: I've got health insurance by my company. I'm covered. I'm

30:24 Speaker 1: never even gonna see a bill. I'm gonna pay. I'm

30:26 Speaker 1: gonna pay the cope and that's it. And then go

30:28 Speaker 1: on with my life, and you know, assuming nothing terrible

30:30 Speaker 1: is wrong with me, take whatever, antibiotic, whatever, and life

30:33 Speaker 1: goes on. So so you're conditioned from a young age

30:37 Speaker 1: when you first enter the workforce that everything's great, everything,

30:41 Speaker 1: everything's easy. With health care, it's and if you're lucky

30:45 Speaker 1: enough to to have health, you know, well into middle

30:49 Speaker 1: age and old age. Then you might go your entire

30:52 Speaker 1: life without any without even a clue that there's anything

30:55 Speaker 1: wrong in the healthcare system if you're one of the

30:57 Speaker 1: lucky ones. But we're conditioned from a young age to

31:00 Speaker 1: believe that the American healthcare system is great because you know,

31:04 Speaker 1: unless something bad happens to you, God forbid, you have

31:07 Speaker 1: no way of knowing.

31:08 Speaker 3: Right exactly the rest of the world they're doing preventive medicine.

31:11 Speaker 2: Here, we're doing cleanup.

31:13 Speaker 1: Yeah, that's another issue too, there's not enough. But that's yea.

31:17 Speaker 3: God because of exactly that the conditioning your conditioned to

31:21 Speaker 3: think you only.

31:21 Speaker 2: Go to the doctor's when you don't feel good. You

31:23 Speaker 2: don't talk to the.

31:24 Speaker 3: Doctor about how to be healthy, and the doctor doesn't

31:27 Speaker 3: have time to even do it.

31:29 Speaker 4: And let's talk about some of the problems. Okay, I'm

31:32 Speaker 4: going to give you real life examples, and I'm sure

31:34 Speaker 4: Matt and Jen you guys can also add many more.

31:36 Speaker 4: I'm just going to give you. Okay, here in Exeter,

31:41 Speaker 4: one of my best friends, he's seventy six years old.

31:43 Speaker 4: He's done everything in his life whatever he needed to do,

31:46 Speaker 4: paid taxes, had a job, raise four kids. Now he's retired,

31:50 Speaker 4: he receives Medicare, he has Social Security and he's a

31:54 Speaker 4: small pension. He's on fixed income. It is he has

31:58 Speaker 4: to be very careful. But of course, as he's aging,

32:02 Speaker 4: the opposite of the scenario that Matt just talked about,

32:05 Speaker 4: which is like, oh, everything's great. I go every so often.

32:07 Speaker 4: I don't have a lot of problems. While when you're

32:09 Speaker 4: hit your seventies, even if you are fine all your life.

32:14 Speaker 4: Now of course things are starting to slow down. You know,

32:16 Speaker 4: your heart might need some support, your blood pressure, medicine

32:20 Speaker 4: needs some support, et cetera. So he needs blood thinners.

32:24 Speaker 4: He has a drill fibrillation. He needs blood thinners, and

32:27 Speaker 4: otherwise he's going to form blood clots. Medication costs a

32:32 Speaker 4: lot of money. He has Medicare, but the code pay

32:35 Speaker 4: is high. So does he What did he do? He

32:39 Speaker 4: decided to ration his medicine. He's started to skip one

32:42 Speaker 4: dose because two tablets a day. Maybe I can get

32:46 Speaker 4: away with one tablet a day. What my friend suffered

32:49 Speaker 4: a stroke in the richest country in the world, A

32:55 Speaker 4: seventy six year old man who did everything by the books,

33:00 Speaker 4: taxpayer everything, he suffers a stroke wrong and he is

33:06 Speaker 4: so wrong, Jen, it is so wrong. Let's let's scream

33:09 Speaker 4: that every single day to everyone. It is wrong. We

33:13 Speaker 4: should that is the status quo, and this is unacceptable

33:16 Speaker 4: and we should not accept it. We should inform people

33:19 Speaker 4: and say no, don't let the lawmakers fool us and say,

33:23 Speaker 4: oh yeah, yeah, yeah, but we're better than that other country.

33:26 Speaker 4: We're better than that other country. So I'll get to

33:28 Speaker 4: that because I used to buy into that criticism as well, like,

33:31 Speaker 4: whoa are we done better than the other country. But

33:35 Speaker 4: at least my friend did survive. He stayed in the

33:37 Speaker 4: hospital for several days, he was released. He does it

33:40 Speaker 4: does not appear that he has any permanent issue. So

33:44 Speaker 4: it's good but lucky, lucky, lucky. But now he's exactly well,

33:52 Speaker 4: that's yeah, but he could have become one of the statistics.

33:56 Speaker 4: We lose fifty thousand Americans, fifty thousand Americans each year

34:02 Speaker 4: because of health insurance issues. Either they don't have insurance

34:06 Speaker 4: or they're under insured because they you know, they yes,

34:11 Speaker 4: they're issues, something's going on to their body, but they

34:14 Speaker 4: can't afford to see the position. I mean, when you

34:17 Speaker 4: have a limited amount of money. The first thing you

34:19 Speaker 4: do is pay your rent. You do not want to

34:22 Speaker 4: become homeless. Second thing you do is you have to

34:25 Speaker 4: feed your body. Even with canned food bulk purchases, you

34:29 Speaker 4: can only stretch that dollar so much. And maybe third

34:34 Speaker 4: you fix your car because you got to get to

34:36 Speaker 4: work or you have to do it. And then maybe

34:38 Speaker 4: clothes healthcare becomes a luxury, exactly, shameful. Shame on us,

34:46 Speaker 4: Shame on us that we find this acceptable, that we're

34:50 Speaker 4: putting we're torturing people in this.

34:52 Speaker 2: Isn't that what Matt was talking about, right? We're conditioned

34:54 Speaker 2: to it. And that's why that's why I have the break.

34:58 Speaker 2: I'm happy about your campaign.

35:00 Speaker 3: Because conversations need to be happening louder, prouder, and up

35:06 Speaker 3: on that hill and I find that mill for once

35:08 Speaker 3: and for all. It's freaking change things for the better,

35:11 Speaker 3: because this is getting worth every single day. And now

35:14 Speaker 3: they just say, now, now we're going to introduce prior

35:18 Speaker 3: authorizations into traditional medicare using AI.

35:22 Speaker 2: That's the new regime twist.

35:23 Speaker 3: They just announced that, so you know, obviously that's going

35:27 Speaker 3: to be something they have to fight again.

35:30 Speaker 4: They just want to sueeze as much money out of

35:32 Speaker 4: us as possible in every single way, and we are

35:36 Speaker 4: just you know, we have to just get go along

35:40 Speaker 4: and be like, oh this is normal, Oh where's aren't

35:42 Speaker 4: we still better? Et cetera. I'll give you one more example,

35:45 Speaker 4: because I really I listen, I talk to people and

35:49 Speaker 4: I ask them what is what do you want to see?

35:52 Speaker 4: And tell me what is going on in your life?

35:55 Speaker 4: And that the stories you hear they're heartbreaking. Another person

35:58 Speaker 4: said her loved one needed care. It was authorized by

36:03 Speaker 4: their physician, but their insurance company wouldn't pay for it.

36:06 Speaker 4: That their their loved one died the same year that

36:12 Speaker 4: they lost their loved one because the health insurance company

36:15 Speaker 4: she had, a private health insurance company, was not authorizing it.

36:18 Speaker 4: That same year, the CEO of that insurance company made

36:22 Speaker 4: nineteen million dollars. That, Matt and Jen is blood money.

36:31 Speaker 4: That is medical murder. We have to talk. How can

36:35 Speaker 4: we even have a word a term medical murder? That

36:39 Speaker 4: is disgusting. This is like mass murder is going on.

36:44 Speaker 4: Let's face it's.

36:47 Speaker 2: It is.

36:48 Speaker 3: It is when you deny people surgeries to save their

36:51 Speaker 3: lives or medications. Yeah, and your friend had a stroke

36:55 Speaker 3: that was preventable, and what damage was done was done.

36:59 Speaker 3: This is going to be ramifications for that. We all

37:02 Speaker 3: want to live as long as possible. And I don't

37:05 Speaker 3: care if if you make seven dollars an hour or

37:09 Speaker 3: seventeen thousand dollars an hour, you like, it's crazy that

37:14 Speaker 3: that person's life gets to be more valuable than somebody else's.

37:18 Speaker 3: You're working class Americans a bust in their humps.

37:22 Speaker 2: Every dm D.

37:24 Speaker 3: Everybody I talk to is co living because they can't

37:27 Speaker 3: afford to live alone, or having a second job or

37:29 Speaker 3: even a third job because the groceries are insane.

37:32 Speaker 2: Right now, I want to talk to everything else that.

37:36 Speaker 3: They're barely surviving as is, and they want to take

37:40 Speaker 3: more and more and more and keep denying care, and

37:43 Speaker 3: they just kill people off.

37:44 Speaker 4: You feel like squeezed you, like they're just what like

37:48 Speaker 4: blood suckers?

37:49 Speaker 2: What more?

37:50 Speaker 3: Make people feel like you're worthless, Like my life doesn't

37:53 Speaker 3: matter anymore. I've rationed my care. My life mattered when

37:56 Speaker 3: I was at EMT and I worked in the hospital,

37:59 Speaker 3: But after I got care and couldn't do that anymore,

38:01 Speaker 3: I guess it doesn't matter anymore now because now I

38:04 Speaker 3: have to fight for treatments.

38:06 Speaker 2: Or deal with just figuring.

38:07 Speaker 3: Out the costs for myself for medications whatever. And that's

38:11 Speaker 3: Medicare disadvantage. That's what I'm stuck on. Unless the government changes,

38:18 Speaker 3: I'm stuck. And so many other people out there are

38:21 Speaker 3: just like that. And like you said, they get denied

38:23 Speaker 3: home care, they get deny long term care, short term

38:27 Speaker 3: rehab care so they can have a life again. I

38:29 Speaker 3: have a friend who lost her dad who was denied

38:32 Speaker 3: rehab care.

38:33 Speaker 2: It's it's disgusting, and it's because that's the one the

38:36 Speaker 2: Hill are allowing it to happen. Bottom line, they allow it.

38:40 Speaker 4: Yes, so we have to you guys have an awesome platform.

38:45 Speaker 4: You have to spread the word. Okay, you cannot talk

38:47 Speaker 4: about healthcare every.

38:48 Speaker 3: Day, but I know I feel bad that we've like

38:51 Speaker 3: monopolized that.

38:53 Speaker 4: No, no, no, it's okay. But the same formula that's

38:59 Speaker 4: causing that herd with healthcare is actually the same formula

39:02 Speaker 4: that's impacting us for the housing crisis, the childcare crisis,

39:06 Speaker 4: the cost of living crisis many ways, so the minimum wage.

39:10 Speaker 4: So let's also talk about other ways people are suffering.

39:13 Speaker 4: So here in New Hampshire we have such a dire

39:18 Speaker 4: condition as far as housing is concerned, big time, big time.

39:23 Speaker 4: We are twenty four thousand units short right now, right now,

39:27 Speaker 4: twenty four thousand units short in a population of one

39:31 Speaker 4: point four million. Wow, that's huge, people. I think that

39:37 Speaker 4: I looked at the inventory rate for certain municipalities. Sometimes

39:43 Speaker 4: it's as low as half a percent or one percent.

39:47 Speaker 4: Vacancy rate is it's almost not there. So when you

39:52 Speaker 4: want to move from one apartment to the other, well,

39:54 Speaker 4: you don't have an option, and the expense rate is

39:58 Speaker 4: so high. Again, I'm going to use examples because that's

40:02 Speaker 4: exactly how I understand how to explain the gravity of

40:06 Speaker 4: the situation right here and right here. In exeter, a

40:11 Speaker 4: friend her she was talking about her her grown daughter.

40:15 Speaker 4: I call everyone a friend. I'm sorry, but when you

40:18 Speaker 4: have these raw conversations.

40:20 Speaker 2: Right there's a connection there.

40:23 Speaker 3: You're like that kind of personal Yes, exactly, I got it.

40:28 Speaker 4: Yeah, you just you know, to somebody to tell me

40:31 Speaker 4: how much they're you know, they take out their bill, like,

40:34 Speaker 4: come on, Grachman, let's talk about my bill. I want

40:36 Speaker 4: to show you my COPEI so, or they want to

40:40 Speaker 4: show their condition of their house. They need some repair,

40:43 Speaker 4: but they can't afford it, So you become like, Okay,

40:45 Speaker 4: that's that's really raw conversations. These are not like hi, hello,

40:49 Speaker 4: these are real conversations. So this person her, she's seventy seven.

40:54 Speaker 4: Her story is also terrible. So I'm going to touch

40:56 Speaker 4: on that are not terrible in the sense, but it's difficult,

41:00 Speaker 4: I should say. But her child has a job, she's

41:03 Speaker 4: in her thirties, she has a good job. She can

41:06 Speaker 4: afford an eleven hundred dollars in an apartment, which you

41:10 Speaker 4: would say is not a bad amount of money. Eleven

41:12 Speaker 4: hundred is a good amount of money. In Exeter, she's

41:15 Speaker 4: renting a basement space. It's not an apartment, it's a space.

41:21 Speaker 4: There are no windows, there's only one door to the

41:25 Speaker 4: main stairs to the main floor, which means if there's

41:29 Speaker 4: a fire, she's stuck. There is no other exit. It's

41:33 Speaker 4: an illegal basically, it's an illegal space. But that's what

41:36 Speaker 4: she can afford. There's no heating, there's no cooling, so

41:41 Speaker 4: she has to have, you know, space heaters, she has

41:43 Speaker 4: to have air conditioners, because that's just an unfinished basement

41:48 Speaker 4: for eleven hundred dollars. In again, in the richest country

41:52 Speaker 4: in the world and someone who has a good job. Her,

41:57 Speaker 4: she has a good, big job. We're not even talking

41:59 Speaker 4: about minimum wage now, this is a person who's actually

42:02 Speaker 4: making good money.

42:03 Speaker 2: Yes, this is what they can afford.

42:05 Speaker 4: Is that acceptable? Man?

42:07 Speaker 1: No, we should not accept.

42:09 Speaker 4: The status quo. The lawmakers want us to say, Oh,

42:13 Speaker 4: you know, things are bad, but you know whatever, national security,

42:16 Speaker 4: oh my god, crime rate, oh my god, what us

42:20 Speaker 4: distract us? Oh yeah, let's hate those people over there,

42:23 Speaker 4: let's marginalize another group, but don't pay attention to your

42:26 Speaker 4: real problems.

42:28 Speaker 1: So what's the solution? Karishma on that, I mean a

42:34 Speaker 1: good question.

42:34 Speaker 4: Yes, let's talk about Okay, we will try to touch

42:38 Speaker 4: on an issue. We will try to touch on the

42:40 Speaker 4: root cause, and then we'll try to touch on the solution.

42:43 Speaker 4: So what is the root cause of the problem. Why

42:44 Speaker 4: do we have a housing crisis? Simple? We just don't

42:47 Speaker 4: have enough houses? Yeah, okay, is that? First of all?

42:51 Speaker 4: How do we get to this situation? The government's job

42:53 Speaker 4: is you know, we have pretty smart people working in government.

42:57 Speaker 4: Maybe not at the top, but they're really good workers

43:00 Speaker 4: out there. They are supposed to calculate. You know, we

43:03 Speaker 4: are increasing, The population is increasing, even though new Hampshire.

43:08 Speaker 4: We're not growing at the rate of many other states,

43:12 Speaker 4: and because we're losing a lot of young people are

43:15 Speaker 4: moving out.

43:15 Speaker 1: They just ye they graduate and yes, but.

43:18 Speaker 4: At the moment we are we are still seeing people

43:21 Speaker 4: moving into New Hampshire. So we have but the rate

43:26 Speaker 4: of growth is slull, but it's still we're growing, so

43:28 Speaker 4: we need more housing. So what are the problems. One

43:31 Speaker 4: is those airbnbs, so it has taken out a lot

43:36 Speaker 4: of housing off the market because they are now go ahead.

43:41 Speaker 2: True, I never thought about that.

43:43 Speaker 1: Yeah, that's interesting. It never occurred to me.

43:45 Speaker 4: So it's not the main problem, no, no, but it

43:48 Speaker 4: is the problem because if you go to for example,

43:51 Speaker 4: Rye Beach or you go to a lot of these places,

43:54 Speaker 4: those houses are just sitting there empty until the weekend

43:57 Speaker 4: or maybe a labor day long weekend. That's it. Otherwise

44:00 Speaker 4: they're just that's a housing unit. As far as the

44:03 Speaker 4: state is concerned. There is a certain number of housing units,

44:06 Speaker 4: but we are it's not occupied right. The other is

44:09 Speaker 4: second or third homes of people either living in New

44:12 Speaker 4: Hampshire and they own a second or third home, or

44:14 Speaker 4: people from out of state who own a second or

44:16 Speaker 4: third home in New Hampshire, and we have to deal

44:18 Speaker 4: with those in a different way. But that's another Again,

44:21 Speaker 4: you're taking a housing housing unit off the market, right

44:25 Speaker 4: but you're not using it one hundred percent of the time,

44:27 Speaker 4: but you're taking it, okay. And corporations have also come

44:32 Speaker 4: in their landlords and they're also purchasing a large number

44:37 Speaker 4: of these like these improvment complexes. Okay, that one is

44:40 Speaker 4: not necessarily taking housing off the market, but they are

44:43 Speaker 4: definitely causing rise in the price. Okay. Way, the one

44:48 Speaker 4: biggest way we can help right away, Matt. First of all,

44:51 Speaker 4: we have to do something about all these housing units

44:53 Speaker 4: that are not used all the time. We have to

44:55 Speaker 4: either we have to find a way for people. I mean, okay,

44:59 Speaker 4: let's not talk about that. The biggest problem is we

45:04 Speaker 4: have a low inventory. We have to build houses. We

45:07 Speaker 4: have to use us DA funds for rural They actually

45:11 Speaker 4: have the usdas US Department of Agriculture, They actually have

45:15 Speaker 4: rural housing funds for communities that are in the rural north.

45:19 Speaker 4: For example, our North Country will qualify. Some parts of

45:23 Speaker 4: the West Western towns will qualify. We actually can use

45:30 Speaker 4: USDA funds to build houses there. The other is hud

45:35 Speaker 4: Housing and urban development they actually have. These are federal

45:39 Speaker 4: dollars you can use to build build units. The state

45:43 Speaker 4: has to work with it because the state there are

45:46 Speaker 4: unique space and some if it's owned by the city

45:49 Speaker 4: or it's owned by the town, then there are a

45:51 Speaker 4: lot of rules or regulations. You can work with the

45:53 Speaker 4: city in town to figure out what can be built,

45:57 Speaker 4: what is allowed, and hopefully multi unit complexes because you know,

46:01 Speaker 4: then you're utilizing a space better. But they're also state

46:05 Speaker 4: owned spaces, right, you can also use that because then

46:09 Speaker 4: you don't have to worry about the rules and regulations

46:11 Speaker 4: of each town and each each city. So if you

46:15 Speaker 4: want to look at two towns that are doing really

46:18 Speaker 4: well with this multi family multi unit system, it's Sportsmouth

46:23 Speaker 4: and Dover. Yeah, Sportsmouth and Dover they're doing really well.

46:28 Speaker 4: So they have single family homes, they have you know whatever.

46:30 Speaker 4: People want to always protect their little single family home acreage.

46:33 Speaker 4: But you can also have town homes, or you can

46:36 Speaker 4: have apartment complexes, maybe multi story. You have to have

46:40 Speaker 4: mixed use. And then within the downtown area, maybe you

46:43 Speaker 4: can have like the bottom floors all about businesses, restaurants

46:46 Speaker 4: and stores, and the top units are all apartments. That's

46:50 Speaker 4: how we have to build right now. The only thing

46:53 Speaker 4: that keeps getting passed through Congress is one program called

46:56 Speaker 4: and I don't want to go all boring on you guys.

46:59 Speaker 2: Okay, no, good.

47:01 Speaker 4: It's called li tech, and I want to okay, I

47:03 Speaker 4: want to make sure I get the acronym right, low

47:05 Speaker 4: income Housing tax Credit l i HTC LI tech. That's

47:09 Speaker 4: really popular. If you look at the LI tech related

47:13 Speaker 4: bills that are in Congress, they get a bipartisan support.

47:17 Speaker 4: What is that LI tech? It sounds like a great idea. Oh,

47:21 Speaker 4: we are good. I look, as far as lawmakers are concerned,

47:23 Speaker 4: they can say I've sponsored this wonderful bill to help

47:26 Speaker 4: with the housing crisis. And then you look at the

47:29 Speaker 4: bill and you're like, oh, okay, that's a great you know,

47:31 Speaker 4: that's a good piece of bill. But what is happening

47:33 Speaker 4: with li tech? It gives tax credits to developers. Oh,

47:37 Speaker 4: I'm going to bore all of you.

47:39 Speaker 1: Sorry, no, no, I'm I'm glad you're going down this

47:41 Speaker 1: road because I'm actually a big.

47:42 Speaker 2: Fan of You want to understand, I'm a big.

47:45 Speaker 1: Fan of using the tax code to stimulate.

47:48 Speaker 4: Yes, too true, but that so you give tax credits

47:52 Speaker 4: to the developers, and you say you are eligible to

47:56 Speaker 4: receive this tax credit if you build a complex and

48:00 Speaker 4: you put away a certain number of units and consider

48:04 Speaker 4: them housing low income housing. And then the developer says, okay, great,

48:08 Speaker 4: I'll get some government subsidized tax credits. I'm going to

48:12 Speaker 4: build it. What happens is it's a two thousand page codebook.

48:16 Speaker 4: Developers hate it. They don't like it for two reasons.

48:20 Speaker 4: One is it's way too complicated, and the second reason

48:25 Speaker 4: is that tax credit is going to work over ten years,

48:29 Speaker 4: and the developer who's building that housing unit now needs

48:33 Speaker 4: the money now, not over the course of ten years.

48:36 Speaker 4: So what they do is they may still accept it,

48:39 Speaker 4: but then they turn it around and sell it back

48:41 Speaker 4: to Wall Street or to the bankers. It's another way

48:44 Speaker 4: to siphon federal money and back to Wall Street. That

48:48 Speaker 4: is why it's so popular. That's why it gets biparties

48:51 Speaker 4: and support. It's like, hey, they big money, We're like, hey,

48:55 Speaker 4: we love this lintec anyways. But the other thing is

48:59 Speaker 4: if you look at because of the codes and the

49:01 Speaker 4: regulations are so complicated. Like I said, a lot of

49:04 Speaker 4: developers just shun away. But the ones who even still

49:07 Speaker 4: take advantage. The cost of each unit on a li

49:12 Speaker 4: tech funded unit versus a non light tech funded unit,

49:16 Speaker 4: it actually costs more because there's just so much hurdle

49:20 Speaker 4: that they have to go through. They can only purchase

49:22 Speaker 4: certain kind of products, they can only purchase building certain ways,

49:26 Speaker 4: so actually the per cost per unit becomes higher than

49:29 Speaker 4: if they did not worry about l tech and they

49:32 Speaker 4: just built. So yeah, go ahead. Ly tech is approved.

49:36 Speaker 4: You know, it's always passed, it's got biopartisan support. But

49:39 Speaker 4: it will never ever help us mitigate the housing crisis.

49:44 Speaker 4: It's just another way for lawmakers to get away by

49:47 Speaker 4: saying I'm helping, aren't I No, you're not. You're just

49:50 Speaker 4: it's a band aid. Okay, Jen, let's go. Let's use healthcare.

49:54 Speaker 4: It's like you have a fractured leg and instead of

49:57 Speaker 4: fixing up that bone, you put a little band aid.

50:00 Speaker 2: Look right, I want to tape it together.

50:03 Speaker 4: I'm going to tape it together.

50:04 Speaker 3: Yeah. I'm glad that you went there, because now it

50:06 Speaker 3: makes more sense to me. Why it's why you don't

50:11 Speaker 3: see as much affordable housing going up, Why all these

50:13 Speaker 3: expensive apartment buildings are going up, Because even if they

50:16 Speaker 3: wanted to go that route. It's so convoluted and costly

50:20 Speaker 3: that are incentivized to make expensive places.

50:25 Speaker 1: I still got its core. It's a good idea, but

50:28 Speaker 1: obviously there's problems.

50:32 Speaker 2: Yeah, so it used to be more workable, more use.

50:35 Speaker 4: So, Matt, the best is for HUD to give federal

50:38 Speaker 4: funds to build housing units. That's it, and not say

50:42 Speaker 4: low income or market will adjust itself. If you have

50:47 Speaker 4: enough housing, you don't have to worry about low income

50:49 Speaker 4: housing or high income housing ar et cetera, or luxury apartments.

50:52 Speaker 4: It will just adjust itself. Right now, like I said,

50:55 Speaker 4: eleven hundred dollars for a basement space that should not

50:58 Speaker 4: even be as occupied space that should not even be

51:01 Speaker 4: on the market. But because of the scarcity and the

51:04 Speaker 4: low inventory, it becomes an issue. And that's why the

51:07 Speaker 4: and then the landlords are keeping whatever units are there.

51:11 Speaker 4: People keep raising the prices, and that's where the corporate

51:13 Speaker 4: landlords come in. They come in, they buy up a

51:16 Speaker 4: whole apartment complex, multiple complexes, and Blackstone is known for

51:20 Speaker 4: doing that. Black Rock is for doing it. And we're

51:23 Speaker 4: not gonna say a certain person owns what. We're not

51:27 Speaker 4: gonna Okay, we're not going to go there, Jen another day, Yeah,

51:33 Speaker 4: cover up some state apparently was on the board.

51:36 Speaker 3: Seems to be an awful lot of politicians involved, yes,

51:40 Speaker 3: and owning stock and these companies that are making a

51:43 Speaker 3: ton of money, a ton of money, and then we're like, huh,

51:47 Speaker 3: how many And there's a lot of that here in

51:49 Speaker 3: New Hampshire. We see that corporations buying up like even

51:52 Speaker 3: that one rudout they bought like three three family houses

51:58 Speaker 3: because I've noticed their signs going up on three family houses.

52:02 Speaker 2: And then they just.

52:02 Speaker 4: Little tweak Yeah, they little tweaks. They changed the stove out,

52:07 Speaker 4: they maybe put a laminate countertop, and they're like, oh

52:10 Speaker 4: now the housing, the apartment is going to be three

52:13 Speaker 4: hundred dollars more or five hundred dollars more. Suddenly, okay,

52:16 Speaker 4: now it's considered mid luxury apartments. Yes, exactly. So there

52:20 Speaker 4: are so many ways, Matt. If there's a will, there's

52:23 Speaker 4: a way. There is no will. There is no will.

52:27 Speaker 2: Now there is minimum wages seven to twenty five.

52:30 Speaker 4: Minimum wage is still seven twenty.

52:32 Speaker 2: I feel a great responsibility on that. It's awful. It's awful,

52:36 Speaker 2: And Jen, okay, not to can't run into.

52:38 Speaker 3: The apartment on seventy twenty five. You kid even eat

52:40 Speaker 3: on seven to twenty five.

52:42 Speaker 4: So, Jen, when I was we were so a lot

52:47 Speaker 4: of times people have hardships and when I there was

52:50 Speaker 4: a time in my life when we were dirt poor.

52:53 Speaker 4: So and back then the minimum wage is four to

52:57 Speaker 4: twenty five. And this is the early nineteen nineties, Yes,

53:01 Speaker 4: about nineteen nineties, mid nineteen nineties minimum wait was four

53:05 Speaker 4: twenty five. We worked seven days a week. I had

53:10 Speaker 4: a morning job, I had an afternoon job, and had

53:13 Speaker 4: an evening job seven days a week. You still, oh

53:20 Speaker 4: my god, you have read why? Oh you're just yes,

53:24 Speaker 4: And there's no health insurance, there's no job security. Oh yeah,

53:28 Speaker 4: like I had a waitressing job. Okay, you know, I'm sorry.

53:31 Speaker 4: It's not easy. Shout out to the servers. It is

53:36 Speaker 4: easy at all.

53:38 Speaker 2: And there wing down.

53:40 Speaker 4: And the kids keep spilling the milk and you're cleaning

53:43 Speaker 4: out and then they leave you little bits of money.

53:45 Speaker 4: It is, be nice to servers. I was a server

53:49 Speaker 4: for a long time. It is. It is a cruel job. Anyways,

53:53 Speaker 4: But where was I going with this? Oh? You there's

53:58 Speaker 4: no job security and there's no health insurance. Nothing, it's

54:01 Speaker 4: just a gig labor, right, And then sometimes you're really mistreated,

54:05 Speaker 4: like I was told the bathroom had like I think

54:09 Speaker 4: something happened, and I was told to go clean it.

54:11 Speaker 4: I'm like, I'm not gonna go clean it. That's not

54:13 Speaker 4: my job. And that manager said, if you don't go

54:15 Speaker 4: clean it right now, you're fired. That's how they talk

54:17 Speaker 4: to you.

54:18 Speaker 1: Yeah, that's how they talked to you.

54:20 Speaker 4: I said, you can fire me. I was hired as

54:22 Speaker 4: a not that okay, I'm sorry. Sorry, anyone who's a janitor,

54:27 Speaker 4: my heart goes out to you. It is it is

54:30 Speaker 4: so much work. It is such hard ship, right, but

54:32 Speaker 4: it's the But the way I was being treated by

54:35 Speaker 4: the manager, like threatened to be fired right away because

54:39 Speaker 4: there's no job security, you know, And you're like, why

54:41 Speaker 4: don't you ask the others? Like I wasn't sure if

54:43 Speaker 4: I was getting picked on. I don't know if it

54:45 Speaker 4: was a race thing, but anyways, but I was being

54:47 Speaker 4: asked even though there were several other servers standing around

54:50 Speaker 4: fit anyways, who knows what was going on, but I

54:52 Speaker 4: do remember. What I remember was the way I was

54:54 Speaker 4: being treated. Listen to me, or you're fired, how cruel. Yeah,

55:01 Speaker 4: they because they.

55:01 Speaker 3: Know you need the job, right right, Yeah, yeah it is.

55:07 Speaker 2: I've had my share of really crappy jobs. We'll talk

55:10 Speaker 2: about some other ways.

55:11 Speaker 3: But again, the employers could feel like they could get

55:15 Speaker 3: away with it, Yes, because what.

55:17 Speaker 2: Are you going to do? You need the more you got.

55:19 Speaker 2: You can't go home without a paycheck.

55:22 Speaker 4: I can I touch on one thing Matt said earlier,

55:24 Speaker 4: but we have moved on from health care. But I

55:26 Speaker 4: wanted to touch.

55:27 Speaker 2: On everything you want to talk about. Go for it.

55:30 Speaker 4: Matt touched on, like we are always conditioned to feel

55:33 Speaker 4: that we still have the best healthcare system, and we

55:35 Speaker 4: have a great healthcare system, no doubt about it. If

55:38 Speaker 4: you have a certain amount of money, and you have

55:40 Speaker 4: a certain job, and your employer actually has is able

55:44 Speaker 4: to afford a high quality health insurance company. I'm not

55:47 Speaker 4: going to name it, but there are some health insurance

55:49 Speaker 4: companies which are not as blood suckers as hours.

55:54 Speaker 2: I get less blood suckery the more money you pay,

55:56 Speaker 2: and the more.

55:56 Speaker 1: Catal well, yeah, as long as you're made an asset

56:00 Speaker 1: and not a lot acid.

56:02 Speaker 4: But we're always told, oh no, don't look at this

56:06 Speaker 4: country or that country. Do you know when they need

56:08 Speaker 4: an MRI, they have to wait several months, et cetera. Right,

56:10 Speaker 4: and we're like, oh, yeah, you know what. Okay, but

56:13 Speaker 4: let's talk about that for a second, because I used

56:15 Speaker 4: to also believe in that like story line in all

56:20 Speaker 4: those countries. If you ask, I don't want to name it,

56:23 Speaker 4: but say Canada or Germany. You ask them and they

56:27 Speaker 4: will say when if somebody needs an MRI or a

56:29 Speaker 4: procedure and it's an emergency procedure, they will get.

56:32 Speaker 2: It right away.

56:34 Speaker 4: Yes, if it's a non acute care, if it's a

56:38 Speaker 4: care that can be prolonged, then they become are put on.

56:41 Speaker 4: You know, there might be two months from now. But

56:44 Speaker 4: I'm so sorry. In America, even in the North Country,

56:48 Speaker 4: there are no more specialists left.

56:51 Speaker 1: Right, you need an MRI, you have to go to Boston, right.

56:54 Speaker 2: I let you go over the borders.

56:57 Speaker 4: Yes, that you might have to go to Nashars or

57:00 Speaker 4: Portsmouth or Accident or if you're insurance, Yes, so please

57:05 Speaker 4: let's talk about that, because there are the providers are

57:10 Speaker 4: leaving New Hampshire.

57:12 Speaker 2: Yeah, one hundred percent.

57:14 Speaker 3: That's a very serious issue and the reason we don't

57:17 Speaker 3: have more level two, Level one trauma sentence.

57:19 Speaker 2: Well, level two, I should say, is because we don't

57:21 Speaker 2: have the specialties required.

57:23 Speaker 3: You have to have neurosurgery, you have to have pediatrics, trauma,

57:28 Speaker 3: you have to have those things in order to have

57:30 Speaker 3: those higher levels of care. We don't have them because

57:34 Speaker 3: we don't have the specialists. Were medical impossible. Oh, they're

57:39 Speaker 3: leaving the state in droves too, because they can't afford

57:41 Speaker 3: to practice there anymore.

57:43 Speaker 4: So therefore, when people criticize other healthcare systems, say please, people,

57:47 Speaker 4: come on, come on, go on. Wait wait, wait, wait, wait,

57:50 Speaker 4: let's look what's going on in our state. When people

57:53 Speaker 4: need care, they're having to leave our state and go

57:56 Speaker 4: to Massachusetts.

57:57 Speaker 3: Right now, it took me a year to get into

57:59 Speaker 3: my neurala just I was on the waiting list for

58:01 Speaker 3: a year to go into my neurology. Those other stories,

58:04 Speaker 3: so they're right here, right here.

58:07 Speaker 1: So yes, that's always my that's always my first thought

58:10 Speaker 1: when I hear someone say, well, you know, in such

58:12 Speaker 1: and such country, you have to wait, you can't you know,

58:14 Speaker 1: get everything right away. And it's like, so, how is

58:16 Speaker 1: that any different from what we have here.

58:18 Speaker 3: In the unit. One of those I will admit I

58:22 Speaker 3: was one of those people that bought into that. I

58:24 Speaker 3: really did think that day rationed care in Canada and

58:27 Speaker 3: that must be why. And I started having those conversations

58:32 Speaker 3: with people, going, no, if my leg's broken, they're gonna

58:36 Speaker 3: fix it.

58:37 Speaker 2: They've got to do an MRI. Yeah.

58:39 Speaker 3: No, if I have something and I could, you know,

58:42 Speaker 3: it might you might have to wait for it.

58:44 Speaker 2: But we do that here. You might have to wait.

58:46 Speaker 2: When you get scared for an MRI around here, you

58:48 Speaker 2: might be waiting.

58:49 Speaker 3: Yeah, you don't instantly, and even in an emergency, you

58:52 Speaker 3: don't necessarily. I got sent in for what they thought

58:56 Speaker 3: could be bad. Then they actually finally got around to

58:59 Speaker 3: the image. I was like, this close to be in

59:01 Speaker 3: a really bad situation with three cervical discs in the

59:05 Speaker 3: most final cord. But I waited way too long to

59:09 Speaker 3: get that MRI walking around like that here in good

59:13 Speaker 3: old America. I beg you, I might have gotten it

59:15 Speaker 3: faster in Canada.

59:18 Speaker 4: I'm gonna my husband is walking in, so I'm just

59:22 Speaker 4: gonna ask him to keep it low. I just texted him, oh, yeah, yeah,

59:26 Speaker 4: we're we're alive right now. But let's see Okay, So

59:31 Speaker 4: we touched on healthcare. We touched on housing. We touched

59:35 Speaker 4: on corruption. I think we touched a little bit on

59:37 Speaker 4: corruption everywhere, right, the corruption politics, the big money in him. Yeah,

59:42 Speaker 4: we touched, so we are. I don't know what else

59:48 Speaker 4: you guys want to talk about, Matt. I mean, there's

59:50 Speaker 4: so much going on in the I talked to two people.

59:56 Speaker 4: They're twenty four or twenty five in New Hampshire. There working,

1:00:01 Speaker 4: they're on their parents' insurance. They're free to turn twenty six. Yes,

1:00:07 Speaker 4: let's talk about that in the richest in the world,

1:00:10 Speaker 4: which I'm going to become like a broken record in

1:00:12 Speaker 4: the richest country in the world, in the richest country

1:00:13 Speaker 4: in the world, I'm going to become a broken record.

1:00:18 Speaker 4: Person who has an education, you know, has training and education,

1:00:23 Speaker 4: has done whatever needed to be done. Was told if

1:00:25 Speaker 4: you do X y Z, you will live the American dream.

1:00:28 Speaker 4: They are now apparently living the American dream. And they're

1:00:32 Speaker 4: free to turn twenty six because they have a job.

1:00:36 Speaker 4: But their jobs are not covering, not providing health insurance.

1:00:40 Speaker 4: That's another thing. Let's talk about that in America.

1:00:43 Speaker 3: And the marketplace is expected to go up increasingly next year.

1:00:48 Speaker 3: Some of the numbers I'm saying out there are pretty

1:00:50 Speaker 3: scary as so what's going to happen in the marketplace? Insurances, medicare,

1:00:54 Speaker 3: premiums are growing up, but they've already announced that it

1:00:57 Speaker 3: was quite a bit too. Yeah, all these things are

1:01:00 Speaker 3: going up even more next year. So everything you're saying

1:01:05 Speaker 3: is going to get worse. So we gotta do These

1:01:09 Speaker 3: mid term elections are vital in order for us to

1:01:13 Speaker 3: gain control on the hell and stop the bleeding and

1:01:17 Speaker 3: curb some of the deaths that are going to occur

1:01:20 Speaker 3: from these These are I'm not catastrophizing either.

1:01:23 Speaker 2: These are really horrible things that.

1:01:24 Speaker 3: Are going on, and I'm worried that a lot of people,

1:01:28 Speaker 3: it's going to be millions and millions of people that

1:01:30 Speaker 3: are going to lose health insurance sex here because they're

1:01:32 Speaker 3: not going to be able to afford it off the

1:01:33 Speaker 3: marketplace anymore.

1:01:35 Speaker 2: Right, It's just gonna be because.

1:01:36 Speaker 3: Those tax subsidies for the working class, the current regime

1:01:42 Speaker 3: has gotten rid of infect sending the ones for the

1:01:47 Speaker 3: one percent that holds all the money in the country.

1:01:50 Speaker 2: When you talk about the.

1:01:50 Speaker 3: Richest in the world, the most of the money is

1:01:54 Speaker 3: that one percent.

1:01:56 Speaker 1: Yeah, I was just going to say, in effect, they

1:01:58 Speaker 1: have repealed the affordable care, just not the way they

1:02:00 Speaker 1: wanted to. They didn't do it all at once like

1:02:02 Speaker 1: they wanted to do a show of it. But little

1:02:05 Speaker 1: bit by bit they've gotten it.

1:02:07 Speaker 3: They've got the publics used to admit there was some

1:02:09 Speaker 3: good stuff in They're like staying on the insurance until

1:02:11 Speaker 3: you're twenty six.

1:02:12 Speaker 2: I mean, I remember when I turned eighteen. That was it.

1:02:15 Speaker 3: I had no health care, that was it because back

1:02:20 Speaker 3: in what I back in my day. But I remember

1:02:23 Speaker 3: you saying about the minimum When I started my first

1:02:25 Speaker 3: health care job, I made three dollars an hour and

1:02:28 Speaker 3: I got a ten cent raise when I became certified

1:02:31 Speaker 3: as a nursing assistant. And you think about that, and

1:02:35 Speaker 3: it's seven twenty five now for minimum wage. And it's

1:02:39 Speaker 3: because we in New Hampshire screwed up. We got rid

1:02:42 Speaker 3: of our own minimum wage and we married ourselves to

1:02:45 Speaker 3: the FED. So unless the federal minium wage changes or

1:02:48 Speaker 3: the State of New Hampshire does something different, our minimum

1:02:51 Speaker 3: wage will never rise above seven to twenty five. And

1:02:56 Speaker 3: in some of the poorest places in this country, that's

1:02:59 Speaker 3: what people are barely living on.

1:03:01 Speaker 4: And I've met people who make seven twenty five because

1:03:03 Speaker 4: a lot of times the lawmakers in New Hampshire will

1:03:06 Speaker 4: say nobody in New Hampshire makes seven twenty five. Everyone

1:03:08 Speaker 4: makes fifteen or sixteen because of the McDonald's jobs. No

1:03:11 Speaker 4: people in New Hampshire. Some of them do make seven

1:03:13 Speaker 4: twenty five, and I've talked to them. Jen eighty is

1:03:17 Speaker 4: heartbreaking when they get a little bill like twenty five

1:03:20 Speaker 4: dollars bill which was not expected. My god, that's like

1:03:24 Speaker 4: what it's definitely.

1:03:27 Speaker 2: Here's something I want to ask you about. So in

1:03:29 Speaker 2: what that effects is homeless people. People who are unhoused

1:03:34 Speaker 2: a lot of people who are unhoused have jobs.

1:03:37 Speaker 3: They can't afford a place to live, so they're living

1:03:41 Speaker 3: in their car or maybe they were living in a tent.

1:03:43 Speaker 2: But now we've criminalized.

1:03:46 Speaker 3: Being unhoused and now they want to arrest people and

1:03:49 Speaker 3: put them in jail for being homeless or having a

1:03:53 Speaker 3: mental health issue. Like, how are you going? This is

1:03:56 Speaker 3: a huge issue? How do you want to how do

1:03:58 Speaker 3: you plan to address this?

1:03:59 Speaker 4: So first of all, we have to take away Donald

1:04:02 Speaker 4: Trump's pens that he keeps signing those executive orders. Somebody

1:04:06 Speaker 4: take those pens away, please, he keeps signing these insane

1:04:10 Speaker 4: executive orders that are so cruel. Yeah, we have not

1:04:17 Speaker 4: been kind to our most vulnerable people. We have not

1:04:22 Speaker 4: been kind to people who have mental health issues. We

1:04:24 Speaker 4: have not been kind to our veterans, we have not

1:04:26 Speaker 4: been kind to people who are suffering from substance use

1:04:29 Speaker 4: disorder people. And a measure of a society is how

1:04:33 Speaker 4: you treat your most vulnerable. And we are failing over

1:04:36 Speaker 4: and over again. And we should not look at these

1:04:39 Speaker 4: people as you know, push them aside. No, these are

1:04:43 Speaker 4: human beings. They are down on their luck for many reasons,

1:04:47 Speaker 4: and we we should extend help them again. Housing where

1:04:53 Speaker 4: was it Norway one of those Scandinavian countries. I was

1:04:56 Speaker 4: reading that they actually try to instead of allow homeless

1:05:00 Speaker 4: people like to fend for themselves and you know whatever,

1:05:03 Speaker 4: however just pushing them under the rug. They actually have

1:05:07 Speaker 4: these housing models where they provide mental health counseling as

1:05:12 Speaker 4: well as a stable home, and then they allow and

1:05:15 Speaker 4: treatment and then they slowly over time, because once you've

1:05:18 Speaker 4: been homeless for five ten years, you've basically checked out.

1:05:21 Speaker 4: You have no no, the trust is gone. If you

1:05:26 Speaker 4: know why homeless people you see them on the side,

1:05:28 Speaker 4: why they're sleeping in the morning and the daytime, because

1:05:31 Speaker 4: at night they're awake. They're awake to protect themselves. That

1:05:36 Speaker 4: is the most where you're the most vulnerable at night

1:05:40 Speaker 4: if you want to sleep, so you don't sleep at night.

1:05:43 Speaker 3: That's why you're so glad you said that, because a

1:05:45 Speaker 3: lot of people look at them and think, oh, they

1:05:46 Speaker 3: must be drunk or they must be drunk. Now it's like, nah, dude,

1:05:50 Speaker 3: this is the safest sleep they can get.

1:05:52 Speaker 1: That's a good point. I never thought of that. I'm

1:05:54 Speaker 1: pretty empathetic, but that never even occurred to me. Yeah,

1:05:57 Speaker 1: that's a great point.

1:05:58 Speaker 4: Yeah, And so we have to help. I mean, if

1:06:02 Speaker 4: we apparently have two hundred million dollars for a ballroom,

1:06:06 Speaker 4: if we have a billion or a plane that's not

1:06:10 Speaker 4: going to be even ready for four years. We have

1:06:14 Speaker 4: tillions of dollars. Apparently we are so rich. We can

1:06:16 Speaker 4: give trillions of dollars of tax cuts.

1:06:18 Speaker 2: To the patio, the rose garden, we.

1:06:22 Speaker 4: Can pave the rose garden, we can spend a military parades,

1:06:26 Speaker 4: military parades, and we have so much that we can spend,

1:06:29 Speaker 4: like we can fabricate stories about crime on our streets

1:06:34 Speaker 4: and send in the National Guards at a huge cost

1:06:36 Speaker 4: to the taxpayers. Apparently we are such a rich nation

1:06:41 Speaker 4: but not but not. Apparently we're also not a rich nation.

1:06:45 Speaker 4: So which what is true? Which one is it? Do

1:06:47 Speaker 4: we have a billion for somebody's plane?

1:06:50 Speaker 3: Like, yeah, we're retrofitting a Saudi Arabian plane.

1:06:54 Speaker 2: Let ye take it.

1:06:56 Speaker 3: And that's after his last term when he redesigned the

1:07:01 Speaker 3: existing air force one that was just finished.

1:07:06 Speaker 2: But we can't house people, but we can't provide mental health.

1:07:09 Speaker 4: No, I mean that's one trip alone. Not to just

1:07:13 Speaker 4: pick on the million dollar trips, because there's so much

1:07:15 Speaker 4: billions of dollars at getting wasted. So millions of dollars

1:07:18 Speaker 4: is like loose change now in the US government. But

1:07:21 Speaker 4: he went to it wasn't some golf course in Botlin.

1:07:25 Speaker 2: To cut the ribbon on his own golf course.

1:07:28 Speaker 4: Yeah, that's apparently we were really rich.

1:07:33 Speaker 2: Jen I'll tell you something.

1:07:36 Speaker 3: When I was overseas and that stuff was going on

1:07:39 Speaker 3: to build it, I never wanted to climb under a

1:07:42 Speaker 3: chair more in my life than when the screen filled

1:07:45 Speaker 3: up with the Scottish family talking about how horrible Trump's

1:07:49 Speaker 3: people were because they didn't want to sell their land,

1:07:53 Speaker 3: so they were blaring music and shining lights and harassing

1:07:57 Speaker 3: them and trying to force them out, and I wanted

1:08:00 Speaker 3: to climb under a chair. I was so like, oh my, like,

1:08:03 Speaker 3: I'm in in this other country watching this, like.

1:08:07 Speaker 2: This is horrible. This is our president. Oh my god,

1:08:12 Speaker 2: this is horrible.

1:08:13 Speaker 1: You know, there's an episode of Uh, there's an episode

1:08:16 Speaker 1: of the Sopranos where Tony Soprano did something like that

1:08:18 Speaker 1: to make someone leave the house that they were in.

1:08:22 Speaker 4: Basically meant, are you saying that?

1:08:25 Speaker 1: No? That just reminds me of an episode of The

1:08:29 Speaker 1: Sopranos too.

1:08:32 Speaker 2: That's when I got the idea for all, you know, a.

1:08:35 Speaker 4: Monster, a mobster and the president. Huh you see some comparison.

1:08:42 Speaker 3: Can you imagine if we actually had the ability in

1:08:45 Speaker 3: this moment to be able to snag that money back?

1:08:48 Speaker 2: And what amazing things.

1:08:50 Speaker 4: Those pens, those big markets do.

1:08:54 Speaker 3: See, we need you elected, and then we need the

1:08:57 Speaker 3: hell the Senate and the House to create legislation to

1:09:00 Speaker 3: curb this. This is just it shows you. I've never

1:09:04 Speaker 3: been a favorite. I've never been a person who likes

1:09:07 Speaker 3: executive orders for this very reason, for this very fear

1:09:11 Speaker 3: that it can be abused and previous presidents have abused it,

1:09:16 Speaker 3: but not that it's extreme now, I mean to use

1:09:19 Speaker 3: the president's pen to criminize human beings for existing in

1:09:24 Speaker 3: a park in a tent, because that's literally all they have.

1:09:29 Speaker 2: What do you want people to do?

1:09:32 Speaker 3: At least in other countries in India trying to do

1:09:36 Speaker 3: they let people build makeshift houses. They're crappy places, but

1:09:41 Speaker 3: at least it's a roof over their head, they got

1:09:43 Speaker 3: warm food and a bugal sleep that in America won't

1:09:47 Speaker 3: even let that happen. And now they won't even let

1:09:50 Speaker 3: them put up a tent, like we won't let them

1:09:52 Speaker 3: have a space to just exist as a human.

1:09:56 Speaker 4: It was heartbreaking to see there was like in DC,

1:09:59 Speaker 4: they were like the person would not leave his tent

1:10:01 Speaker 4: because that's his home, that's his livelihood, and they're dragging

1:10:05 Speaker 4: it off. I don't know, if you guys watch those videos.

1:10:08 Speaker 3: It was just seeing it here happening in our own

1:10:11 Speaker 3: you know, happening here where they're taking down the tents

1:10:13 Speaker 3: and they're forcing people out.

1:10:16 Speaker 2: Because yeah, that's happening right here at home too.

1:10:18 Speaker 3: It's happening all across the country, and they're so vile

1:10:21 Speaker 3: about it. Vile and they'll take knives and they'll destroy things.

1:10:26 Speaker 2: Well, they can't use it.

1:10:27 Speaker 3: That's all this person has to their name, whatever they're

1:10:31 Speaker 3: and you're you're stealing everything, because that's what it is.

1:10:34 Speaker 2: It's stealing.

1:10:35 Speaker 3: They're taking whatever clothing, whatever's in that tent. They literally

1:10:38 Speaker 3: will come down sometimes with those claws and just pick

1:10:41 Speaker 3: the whole thing up and drop it in a dumpster,

1:10:44 Speaker 3: everything that was in it.

1:10:46 Speaker 4: Yeah, think about.

1:10:48 Speaker 2: The human it's beyond dehumanizing.

1:10:50 Speaker 4: Yeah, I mean, so the this is where cruelty is

1:10:53 Speaker 4: definitely trickling down from the White House.

1:10:55 Speaker 1: M Oh yeah. The cruelty is the point.

1:10:58 Speaker 4: The cruelty is the point.

1:11:00 Speaker 1: Yes, yeah, absolutely, they love.

1:11:01 Speaker 2: It in the terms count big time.

1:11:04 Speaker 3: It's the only way that we're going to be able,

1:11:08 Speaker 3: but not and change anything.

1:11:11 Speaker 4: Not any Democrat, Jen, Not any democrat.

1:11:15 Speaker 3: I need a Democrat who's going to actually listen. Yes,

1:11:18 Speaker 3: when I tell you medicare advantage is killing people. I

1:11:21 Speaker 3: want you to hear our stories and really take it

1:11:25 Speaker 3: in and don't send me a form letter say I

1:11:28 Speaker 3: like medicare advantage.

1:11:30 Speaker 4: Yeah, no, Jen, I need not.

1:11:32 Speaker 2: I can't have tone deaf. I need you to hear me.

1:11:35 Speaker 4: These are public service jobs. We should not put our

1:11:40 Speaker 4: lawmakers in pedestals and be like, wow, you know they

1:11:42 Speaker 4: are so great. We can never be them. This is

1:11:45 Speaker 4: a public service job. It is their job is to

1:11:49 Speaker 4: serve the public. If they're not serving the public, then

1:11:54 Speaker 4: please move on, go to do something else. Let someone

1:11:58 Speaker 4: who actually cares just serve the public. Listen to the public,

1:12:01 Speaker 4: understand the problems, want to solve the problems. Let them

1:12:04 Speaker 4: have that position. The other thing I want to tell you,

1:12:06 Speaker 4: one of the most important things in a public servant

1:12:10 Speaker 4: is do you have a heart? And do you have

1:12:11 Speaker 4: a soul? I mean, do you even care?

1:12:14 Speaker 2: You have empathy?

1:12:15 Speaker 4: Do you have yes? Empathy? Do you even care?

1:12:18 Speaker 3: And everybody want to walk around with a mirror, like

1:12:22 Speaker 3: what do you say when you look at this?

1:12:26 Speaker 4: Yeah, but guys, I don't know if we're uh going

1:12:30 Speaker 4: to putting people to sleep now it's one minute.

1:12:34 Speaker 2: Yeah, God, for quite a while. But I really appreciate

1:12:37 Speaker 2: you giving me so much time.

1:12:38 Speaker 4: I want to because we have to talk about so much.

1:12:44 Speaker 4: We need to talk about the F word, the fascism.

1:12:49 Speaker 3: Yes, let's not beat around the bush, right, we are

1:12:55 Speaker 3: looking at a blief date.

1:12:56 Speaker 4: It is not a future. We're it's we are here,

1:12:59 Speaker 4: so let's talk about it. But I think I don't know,

1:13:03 Speaker 4: I want to let the poor listeners off.

1:13:06 Speaker 1: No, I think I think this is probably a good

1:13:09 Speaker 1: you know, a little bit over an hour, about an

1:13:11 Speaker 1: hour and fifteen minutes, you know, But we will definitely

1:13:14 Speaker 1: do this again in the near future if you like.

1:13:15 Speaker 1: I mean, this has been as a great conversation, Karishma.

1:13:20 Speaker 1: Do you want to mention your website again and anything

1:13:23 Speaker 1: else you want to make sure our listeners and viewers

1:13:25 Speaker 1: know about.

1:13:25 Speaker 4: Thank you so much so I launched last week. My

1:13:28 Speaker 4: website is actually on the you see it here.

1:13:32 Speaker 2: I thank you.

1:13:32 Speaker 4: Yes, well I would be able to do that. Karishma

1:13:35 Speaker 4: for Senate dot Com. Karishma for Senate dot Com. I

1:13:41 Speaker 4: am from Exeter, I am a scientist. I'm running to

1:13:44 Speaker 4: basically help people. Housing crisis is out of control, childcare

1:13:48 Speaker 4: crisis is out of control. Healthcare crisis out of control,

1:13:51 Speaker 4: and we didn't touch on it. But our foreign policy

1:13:54 Speaker 4: is really bad. We are now committing genocide or we're

1:13:59 Speaker 4: complicit in genis and Gaza. We will touch on that.

1:14:02 Speaker 4: It is an heartbreaking, heartbreaking situation. We are basically looking

1:14:07 Speaker 4: at the destruction of two million human lives. They're being

1:14:11 Speaker 4: tortured to death, they're being start at death, bomb to death.

1:14:18 Speaker 2: But we're going to.

1:14:18 Speaker 3: Talk well where you are a candidate for peace, and

1:14:21 Speaker 3: I think that's very very important.

1:14:25 Speaker 2: Yeah, warfare and more humanity in this world.

1:14:29 Speaker 4: Right, So please visit the website, please sign up because

1:14:33 Speaker 4: we need grassroots support. Donate. Please whatever you can afford,

1:14:37 Speaker 4: five dollars, ten dollars, whatever you can afford.

1:14:40 Speaker 2: You are not taking money.

1:14:43 Speaker 3: I think that's important for people to know you really

1:14:45 Speaker 3: are a grassroots candidate.

1:14:46 Speaker 2: You are not accepting pack money.

1:14:49 Speaker 3: And so this really is an effort of New hampshiretes

1:14:53 Speaker 3: who have a candidate who they want to really bring

1:14:57 Speaker 3: to the Senate, to bring home up to that hill.

1:15:00 Speaker 2: It's not really corporate.

1:15:01 Speaker 4: Yeah, corporate, we're not getting hurt. Yeah. And then the

1:15:06 Speaker 4: other thing is uh, Jen I'm actually on the board

1:15:09 Speaker 4: of Open Democracy Action, which was started by Grannie B. Haddeck.

1:15:13 Speaker 4: I am inspired by Grannydee who were walked at age

1:15:17 Speaker 4: eighty nine from like help Washington, d C. To get

1:15:20 Speaker 4: rid of big money. I am from Open Democracy. We

1:15:25 Speaker 4: are working day in, day out to expose the corruption

1:15:28 Speaker 4: in our politics and.

1:15:30 Speaker 2: Icon of New Hampshire. And I want to make sure

1:15:33 Speaker 2: our listeners. Yeah, I do want to make sure listeners

1:15:36 Speaker 2: know how to spell your name appropriately.

1:15:38 Speaker 3: It is ROSA k A R I s h M

1:15:42 Speaker 3: A four f O R Senate s E n A

1:15:46 Speaker 3: t e dot com Karushma for senate dot com.

1:15:49 Speaker 2: Check it out, sign up because we need you.

1:15:52 Speaker 4: Thank you so much, Thanks Matt, Thanks Jen. Please uh

1:15:55 Speaker 4: it was a wonderful Thank you for talking about some

1:15:57 Speaker 4: very serious issues but we need to talk about These

1:16:00 Speaker 4: are difficult topics, but we need to talk about it

1:16:02 Speaker 4: and we have to solve the problems. So thank you

1:16:04 Speaker 4: so much for having me today.

1:16:06 Speaker 1: Absolutely we will do this again in the near future.

1:16:08 Speaker 1: And thanks everybody for watching or listening to this edition

1:16:11 Speaker 1: of Matt Connorton Unleashed AF as we call it as

1:16:14 Speaker 1: it is the online only edition. And Jenny, thank you,

1:16:18 Speaker 1: and again not Chrishna, thank you so much.

1:16:20 Speaker 4: Thank you guys, thank you taking everybody.

1:16:23 Speaker 2: Bye bye,