Chris Hamilton is a finance expert with 15 years of experience, on a mission to expose how the healthcare system is stealing from the middle class. Chris uncovered a harsh reality: insurance brokers and companies have zero incentive to lower your costs. Brokers even make commissions on rising premiums, sometimes earning bonuses for keeping prices high. The Affordable Care Act, rather than boosting competition, turned healthcare into big business. What was once a market of 12-13 insurance companies has now consolidated to just 4 major players, dominating the industry. With fewer choices and rising costs, the average family is paying $24k in premiums annually, plus another $5-6k out of pocket—all while the healthcare giants profit. That money, which should be building the American dream—going toward college savings, a home, or retirement—is being swallowed by a broken healthcare system. For the middle class, these rising costs are an invisible thief, robbing families of financial security. Hotchkiss Insurance: https://hotchkissinsurance.com/ Today's Sponsors: Black Rifle Coffee: https://blackriflecoffee.com Truewerk: Check out the full lineup and get 15 percent off your first order at https://TRUEWERK.com/clearedhot.
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Full Auto Friday - 6/13/2025
Traditional Q and A to round out the week, answering only the most demanding questions facing our society. I'm not sure they were actually that serious, but it sounds good. I did actually cover: -Failure, starting over, and dealing with the potential hit to your pride. -How to help a loved one who may not want it -How to give feedback to a school board without sounding like an attack Cleared Hot Coffee Blend: https://shop.clearedhotpodcast.com/products/cleared-hot-brcc-coffee Enjoy Today's Sponsors: Pique: Get 20% off + a FREE rechargeable frother and glass beaker with your first purchase with my link https://Piquelife.com/CLEAREDHOT Stopbox USA: Listeners are getting 10% off their entire order when you use the code "clearedhot". And right now, StopBox is also running a deal on their most popular bundle — the 2-pack, which saves you over 30% and comes with free accessories and shipping. That’s 10% off and a big bundle discount when you use code "clearedhot" at https://stopboxusa.com. Discover a better way to balance security and readiness with StopBox.
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Episode 390 - Jim Prabhu
Jim is a Fire Captain for the LA City Fire Department and has been a firefighter for 25 years. During the Palisades Fire, Captain Prabhu played a crucial role in the initial response, working 36 hours straight before receiving any rest. He remained on-site with his crew for three consecutive days, navigating what he described as one of the most intense fires he has ever faced. In 2018, inspired by the devastating Woolsey Fire, Captain Prabhu founded a business focused on helping homeowners protect their properties from wildfires. Specializing in installing swimming pool fire pumps, his company serves homes across Southern California, including Orange, LA, and Ventura counties. His work has been featured by news outlets such as Fox LA, and he continues to advocate for proactive fire prevention. https://firedefenseservice.com/ Today's Sponsors: Montana Knife Company: https://www.montanaknifecompany.com/ Fabric By Gerber Life: Join the thousands of parents who trust Fabric to help protect their family. Apply today in just minutes at https://meetfabric.com/CLEAREDHOT.
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Full Auto Friday - 6/6/2025
Traditional Q and A to round out the week, answering only the most demanding questions facing our society. I'm not sure they were actually that serious, but it sounds good. I did actually cover: -The difference between "Hearing" and "Listening" -Why don't Successful people complain on the internet? -Is our Government taking homegrown terrorist threats seriously? -How to overcome nerves for a job interview Try the Cleared Hot Coffee Blend: https://shop.clearedhotpodcast.com/products/cleared-hot-brcc-coffee Enjoy Today's Sponsors: AG1: Subscribe today to try the Next Gen of AG1 for less than $3/day! If you use my link, you’ll also get a FREE gift with your first order. So make sure to check out https://DrinkAG1.com/clearedhot to get started with AG1’s Next Gen and notice the benefits for yourself. That’s https://DrinkAG1.com/clearedhot. Mando: As a special offer for listeners, new customers get $5 off a Starter Pack with our exclusive code. That equates to over 40% off your Starter Pack. Use code "clearedhot" at https://ShopMando.com. Please support the show and tell them I sent you.
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Episode 389 - Anthony Rivera
Anthony Rivera is the CEO and Founder of Vetavize Inc., a highly decorated former Navy SEAL renowned for his exceptional ability to tackle complex challenges. With over 11 years of service, including multiple combat deployments, he earned the prestigious designation of Master Training Specialist, establishing him as an expert in Navy medicine and healthcare curriculum. Recognized as the 2016 “Sailor of the Year" by the Chief of Naval Operations office, Anthony's leadership and impact set him apart among over 400 SEAL candidates at the Naval Special Warfare Training Command. Motivated by his personal experience, Anthony established a consultancy to assist veterans in obtaining the disability ratings they deserved, personally aiding over 7,000 veterans. In 2024, he assembled a specialized team of experts in product design, AI, and data science to build what would become the Vetavize platform. In January 2025, the company launched its first automated solution—featuring a virtual advisor that streamlines the VA claims process, supported by a U.S. patent filing for its proprietary use of automation. The platform is now scaling to onboard thousands of veterans, aligning their critical needs with mission-focused sponsors and veteran organizations across the country. His long-term vision positions Vetavize as the gold standard for post-military life, connecting veterans to the benefits, resources, and support they’ve earned. Vetavize: https://vetavize.com/ Today's Sponsors: Black Rifle Coffee: https://www.blackriflecoffee.com Cleared Hot Coffee Blend: https://shop.clearedhotpodcast.com/products/cleared-hot-brcc-coffee LMNT: https://www.drinklmnt.com/clearedhot
It is safe to say that I have wandered a bit. I served in the military, flew some jets, jumped out of most, climbed mountains (I jumped off of them too), taught fitness, owned a gym, and have spent the last few years speaking to organizations and leaders. It has been a journey, and in all honesty, I have no idea where it is going. I seek the things that make me uncomfortable. I move towards things that scare me. I think you should too
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