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.

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:

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Today's Sponsors:

Pique:

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Stopbox USA:

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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:

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Fabric By Gerber Life:

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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:

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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.

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:

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Cleared Hot Coffee Blend:

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LMNT:

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-The new series continues!

Michael and I sat down today and discussed a few topics through the lens of experience in different decades of life. For those of you familiar with the show you know that often on Friday I answer Q and A, today is no different, except that Michael is joining me to give his perspective from a younger generation:

-Biden's Cancer Diagnosis

-Assisted Suicide

-Animal Interactions in National Parks

-How predators select their victims

Enjoy 

Cleared Hot Coffee Blend: https://shop.clearedhotpodcast.com/products/cleared-hot-brcc-coffee

Today's Sponsors:

Spartan Forge:

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Sundays:

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Richard Ryan is a software developer and media executive with more than twenty years of experience in the tech industry. He has generated billions of views and millions of followers across social media platforms, leveraging his deep understanding of algorithms and digital marketing.

 -As a co-founder of Black Rifle Coffee Company, he helped grow the brand to a publicly traded powerhouse with a $1.7 billion valuation and $396 million in revenue in 2023

-Richard has created a suite of applications to include a YouTube app that debuted in the App Store four years before YouTube. Across multiple apps, he’s achieved millions of downloads.

-As a media executive, he launched Rated Red with Verizon Media and Hearst Publications, growing it to over one million organic subscribers in its first year.

-Richard’s YouTube empire includes several channels like FullMag (2.7 million subscribers), with over twenty billion views across all his platforms.

The Warrior's Garden: ⁠https://www.warriorsgarden.com/⁠

Today's Sponsors:

Montana Knife Company: ⁠

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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:

-Notoriety, the potential pros and cons

-When it is time to push all your chips in and go for it

-Who do I want my daughter to date

-Finding the perfect fanny pack for your EDC

Cleared Hot Coffee Blend: 

⁠https://shop.clearedhotpodcast.com/products/cleared-hot-brcc-coffee⁠

Enjoy

Today's Sponsors:

Pique:

For a limited time, you can get 20% off on the Pu’er Bundle plus a free starter kit, including a rechargeable frother and glass beaker, with my link. Head to https://Piquelife.com/CLEAREDHOT

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Rich Diviney is a retired Navy SEAL Commander. In a career spanning more than twenty years, he completed more than thirteen overseas deployments, eleven of which were to Iraq and Afghanistan.

As the officer in charge of training for a specialized command, he spearheaded the creation of a SEAL directorate that fused physical, mental, and emotional disciplines. He led his small team to create the first ever "Mind Gym" in Naval Special Warfare that helped SEALs train their brains to perform faster, longer, and better, especially in high-stress environments.

Since his retirement, Diviney has worked as a speaker, facilitator, and consultant, training more than five thousand business, athletic, and military leaders.

Today's Sponsors:

Black Rifle Coffee Company:

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ExpressVPN:

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Traditional Q and A to round out the week, perhaps slightly heavier or darker topics than normal, but that is how it goes sometimes.

Could an untrained man survive against a female UFC Fighter?

Skydiving to Wingsuit BASE jumping progression.

Can you help me convince my wife to allow me to purchase a motorcycle?

How do you deal with the heartache of missing family while on military deployment?

Enjoy Today's Sponsors:

Helix:

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Sundays:

Get 40% off your first order of Sundays. Go to https://sundaysfordogs.com/CLEAREDHOT or use code CLEAREDHOT at checkout.