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My money is increasing in value every day, and if I end up incurring more costs related to this disease that my wife has, where can I access capital if I need it to pay for shipping her blood to Germany and getting tests done and just the cost of things? Well, I have access to capital, and I know that if I access that capital, my money is still going to grow uninterrupted. I'm not going to stop the growth. It's going to keep on growing. So if you think about just $108 a day and you calculate that over a year, well, that's over $30,000 that my cash values will go up uninterrupted. And it's going to support me and my family as we deal with this Lyme disease. Lyme disease sucks. That's right. Today, I just want to talk a little bit about Lyme disease. You might wonder, why are you going to talk about Lyme disease? Well, because it impacted my life. And I just want to tell you something about why Lyme's disease sucks. It was July, actually, and my wife, I traveled to the east coast of Canada. Now, she went out there to support our daughter, whose significant other was injured in a accident. So she was out there looking after the house and their pets. And so one of those pets was a dog. And so she did a lot of hiking with that dog around Halifax. And where my daughter lives, there's lots of trails and what you can go to the ocean and all those good pieces. And so she spent a number of days there just helping out and taking frequent walks with the dog. And then on her way home for from Halifax, she flew to Vancouver Island. We just happened to be having a family get together on Vancouver Island. And so she spent another five days in that location just as we celebrated time together as a family. And then we traveled back to home. And just a few days over that week, and we were at an event, and I just remember my wife, Barb saying to me, I can't believe how tired I am, how beat I am. And I thought, well, there's a lot that's been going on in your life, and that's probably why you're tired. And anyhow, the. I remember distinctly it was a Sunday evening and, you know, just getting ready to go to bed. And she says something to me, and I still remember she says, something's really wonky with my heart. And so, of course, right away I go, well, that's not good. Let me know see what you're talking about. And so she said, well, just check my pulse, which I did. And it was, to say the least, quite unnerving. So her heart rhythm was all over the map, and I could just tell that simply from taking her pulse. So right away I said, okay, well, we're taking you into a merge. And I did that. And I got her to the hospital in a short period of time and got through the waiting room experience. And thank the Lord it wasn't long because they could see how much direction, you know, that rhythmic issue was causing for her. So she was put into a trauma unit and it took them a while. You know, they were getting ready for the crash. I could tell that. And they were talking about that. And finally, over a period of time, they were able to get her rhythm back to where it should be, and she was starting to feel good and come back to a regular heartbeat. So things started to improve. But we were left wondering, okay, what's going on? We're in her 60s. Yeah, that's right. We're in her 60s. But she comes from, you know, her mother lived over 100. So thinking, yeah, I did pretty good there. I got a good shot of having my wife around probably longer than I'm going to be around. So I was kind of surprised by the fact she had this heart event. We just don't know what's going to happen and when it's going to happen. Obviously, we wanted to get to the bottom of it. So after a short stay in the hospital, she got better. She came home that same night and, you know, she was feeling pretty good the next day. And, well, two or three days later, I'm at work and I get a call from her and she said, something's not right. So I went home and picked her up. And again, she was displaying the symptoms related to, you know, a heart attack. That's what I could determine based on the experience I'd had, you know, with all the training I've had throughout my life in different capacities and lots of, you know, studying a first aid and taking multiple first aid courses and whatever, I could see all the symptoms of a heart attack. So I took her back to the hospital and I remember distinctly as I sat there in the waiting room waiting for her to get into immers, that I happened to notice something. Just the way she was sitting, I seen and spotted something on her ankle. And I asked her, so what happened there? And she says, I don't know. I really hadn't noticed that much. So what was that? Well, I'm going to share that picture with you this was the exact picture that I took at that moment as we sat in emerge. And what I've learned since then, that is a typical bullseye tick bite. Bullseye. When you see that bullseye, you know you've got lyme's disease. And typically that rash, or bullseye they call it, will show up a few days after you've been infected. So, long story short, I don't know whether she got infected on the east coast or the west coast, but when you look at Canada and you look at where most of the cases of, you know, the deer tick infections come from, it's either on the east coast or on the west coast around the great lakes. Those are the highest probabilities in Canada, where you're going to get bitten by a tick. So I spotted that tick on her ankle, and I just said to her, so I wonder if that has anything to do with the way you're. You're feeling. And she said, yeah, I don't know. I said, well, when you get into emergency, let's just mention it to the doctor. So that's what we did. And I live in the prairies, right on the Alberta, Saskatchewan border, and our doctors, God bless them, and our medical staff don't have a lot of experience with Lyme's disease. So when she pointed that out to the doctor that was working that evening in emerge, he just said, yeah, you've been bit. But looking for other symptoms. She wasn't focused on the bite just because he obviously had no experience with Lyme disease. So after we seen that, again, took us a while to figure out what it was, but she started to display other symptoms that are very much related to Lyme's disease. And she developed a rash on her body that when you looked up that particular rash using google, it clearly pointed to that's a symptom also of Lyme's disease. We were able to determine through talking to other people that had experienced Lyme disease or had Lyme disease in their life that 100% my wife had Lyme's disease. So God bless your doctor here in the city where we live. She rightly admitted that she didn't know anything about Lyme's disease, but started to go to work and prescribed the antibiotics that would help with that particular bacterial infection. So I just wanted to maybe give you a little more background on, you know, what is Lyme's disease and what do you got to look for and how do you get it and all those kind of things. So I'm going to just give you A bit of a picture because people are pretty much aware that it comes from a tick. And there's a multitude of different ticks in our country. And it's the black legged deer tick that carries the most. Lyme disease is the one that infects people most often. So I just wanted to show you what that might look like and we'll talk about what we know about Lyme's disease. So it's really caused by a bacteria. That's what it is. And there it is, it's named, which, you know, generally is transmitted through a tick bite. And it is one of the most prevalent tick transmitted infections in North America. The more I've read, looked up, you know, I tried to understand this, the more I realize it, it's been, it's probably a lot bigger impact to North American population than is even known to be more and more prevalent. So when a deer tick, you know, that carries the bacteria, bites a human, it can transmit this infectious disease. Along with other things. There's other definite disease carrying pathogens that you have to be aware of when you get bit by a tick. So if you ever get bitten by a tick and you know it and you see that tick, by all means save it and get it tested. It's your best bet. From what I can understand and know, it talks about that red bullseye rash that may be noticeable. Not everybody gets the rash. So we were kind of blessed from a perspective that that rash was as apparent as it was. It really helped us in a short period of time realize that my wife Barb had Lyme's disease. Now this top tick that we're showing here is the black legged chick. And you can see how it changes in size. And you know, this is a larva, this is a nymph. And it's one of the interesting things I've learned is it's quite often it's this stage that ends up, you know, being the one that transmits the actual Lyme disease. It can be the adults, without a doubt, but a lot of times these ones are less detectable because when you really get a good picture of it, and I'm going to show you here, this is how small that tick is. So I can see how easily it could have got on her ankle at that point and bitten her and stayed there for long enough to actually transmit that bacteria into her bloodstream. Because a lot of people would say, well, wouldn't you see that? Wouldn't you see that? What I've learned about black leg ticks is some of Them are as small as the period at the end of a sentence. So don't always count on that. But it's always a good idea if you've been somewhere where you might be, you know, round ticks to do a good body check after, make sure you don't have a tick on you somewhere because they are and do cause all kinds of issues. Now here's another interesting bit of information that I wanted to share with you. So obviously they bite you, you know, insert your mouth in parts of the skin and they'll, they'll stay there for quite a few days. You know, it needs to be infected with the disease agent and, and it needs to be attached there for a period of time. Now the jury's still out. Like I've read multitude articles on this and some say it's less than 24 hours, some say 24 hours. But either way, you know, I could easily see how that tick was attached to my wife's body for, you know, 24 hours because it would have been so small and a part of her body that, you know, could quite easily not been noticed. And you can shower and all those good things and those, those ticks will stick right there and it's, it's really, can be very small. And like you see at the bottom of this little article, I'm sharing, you know, adults of one in three, the black legged ones that actually carry Lyme's disease and it's one in five when it gets to the nifs. So it's like it is something that we have to be aware of. Now the other thing I wanted to show you today is this is just a chart that you can get on Lyme disease risk areas in Canada and the predominant areas are on the east coast and this is the areas that she was in and then again in the west coast and this is the area that she was in there. And again when you get around the Great Lakes, places like Lake Winnipeg, Great Lakes here again it's more where you'll find a higher risk for contacting the right China tick and Lyme disease. So that's some of the information that I wanted to share with you. Now I'm just going to go back and talk a little bit about the journey. So thankfully, and it wasn't easy, my wife was able to get the antibiotics that she needed to help fight that bacterial infection. And we felt very blessed that she could get not only two weeks of the proper medication, but she got it for four weeks. And that's not always easy to get the antibiotics that you need for that length of time. What we're ending up working with is a lot of our doctors just aren't familiar with Lyme disease, so they're doing research at the same time you are. I really appreciate those good people that work in health care. And the same thing with my wife's doctor. She was very open to it, even at a risk, because at some point, if you keep prescribing antibiotics to a patient, it can become something that you take flak for. That's what I've learned, and I'm surprised by that. But, yeah, they have people that monitor what they're prescribing and to who. So we were really fortunate that she was able to get the antibiotics for the four weeks. And after those four weeks of treatment, I really hoped that that would be it, that would be what we had to deal with, because over that period of time, we were doing all kinds of research. We were spending time, just countless times, looking into this, trying to learn more, talking to people that had it. And you'd come across people that really would go out of country to get treated for Lyme's disease. In fact, this one doctor that, you know, someone we knew was in contact with actually sent his wife and daughter away to a clinic in Mexico to get treated for Lyme's disease. So lots of different things you hear and read and see, and you're trying to wade through it and understand, you know, what is it you need to know? Over that period of time, we were just, you know, as we were researching, how would we get more information who really knows a lot about Lyme disease? In Canada, we were able to get in contact with some doctors that had great experience with Lyme disease. And, you know, even after her four weeks of being treated with the antibiotics, you know, just a few days after she stopped treatment, she had a relapse. And just some of those symptoms come back. And again, you're going into emergency because you're concerned about heart rate. And that's where her. That's where a lot of her symptoms were. Yeah, she had the fatigue. A tip often comes with this. She had other things, but her biggest impact was just a rhythmatic issue in her heart. And you would find out as you research lyme disease, if you ever are unfortunate enough to ever have to deal with that in your life, that there's all kinds of ways that it can impact you once you get that infection in your bloodstream. And for her, most of the impact has been to her heart or just gives her a rhythmatic issue in her heart. So back to hospital was a, you know, just a reoccurrence. But you're in there for a short period of time. They basically then your heart goes back into rhythm and they can't find nothing. That's what we found. They would do a great job of trying to check her out, find out. And we had a cardiologist, you know, basically say, I don't think it's your heart. And that's what you find with people that have suffered from. From Lyme's disease is that it's really hard, you know, to diagnose what this is and what you know and how to treat it effectively. Even, you know, after the antibiotic treatment, it probably hadn't had enough antibiotics because that bacteria, from what I've read and learned talking to doctors that have experience with it, can do a very good job of hiding itself in your body or just doesn't get dealt with effectively every time with a normal antibiotic treatment. So we've been going through a journey working with a naturopath doctor here in Canada and just, you know, really making sure we staying on top of this because it's about every two weeks to three weeks where she'll have a relapse. And so just wanted to make sure that I keep on. We keep on that and that she can get back to a place where she was before she contracted Lyme disease. So that's why I wanted to tell you today. You know, Lyme's disease sucks because it does. And some people that have chronic Lyme disease, I've read all about it, it can really cripple people for years and years. It is so often it's not even diagnosed because someone doesn't know that they actually got bit by a tick. So I just feel blessed, and I know I'm blessed and my wife is blessed that we caught this early on and now we've got some great support working with us and this Lyme disease. So you might be thinking, okay, Grant, that's an interesting story, but what's that got to do with, you know, you're typically talking about the infinite banking concept, which is really about teaching people to become your own banker. And. Yeah, and if you don't know what that is, I'm just going to encourage you to look at the link and it's going to watch IBC.com and it's just, you know, we teach people how to get control of their need for financing. So what's this got to do with Lyme disease and how Am I going to connect that? Well, because here's what I wanted to share with you as I was going through this experience and still am. One of the things that became very apparent is there's a cost. That's right, there's a cost. And what I've gone through in the last, you know, six plus months now of dealing with this infection in my wife's body and not all, not all of those costs have been covered through, you know, our health care system and insurance that I have haven't all been covered. Like things like work that I've had to miss to support my wife. You know, her not being able to work because she's dealing with a relapse or an event that just doesn't enable her to work effectively. And then there's, you know, things like we sent her blood work to Germany because there's a lab in Germany that does a great job of just really understanding what infections you have in your bloodstream related to a tick bite. So all those things are out of pocket costs, you know, working with the naturopath doctor. And this is a, you know, I've been really impressed with this naturopath doctor and it's a direct cost. You don't, you know, that isn't something I get to claim through, you know, provincial health or any plan that I have, that's a cost and just the ongoing treatment. So a lot of it is cost. As I said. As I was thinking about this and going through it, I realized, well, even if you have critical illness insurance or if you have disability insurance or you have some other insurance for if I get sick and I end up in the hospital, you know, this is just going to be covered. Well, there's going to be cases like this one where none of her stays were in the hospital for long enough yet she's impacted and, you know, and hopefully never gets to the point point where she has to be in a hospital for that length of time to qualify for some of the health insurance plans that we have. And it doesn't hit, you know, the critical illness disease list. You don't even qualify for disability because you're not truly disabled. Like, sure takes you out for a day or two and whatever and makes you sick, but you just don't end up being qualified or have, you know, enough time of that without illness to, you know, be disabled enough that you're actually qualifying for those insurances. So there's a lot of costs that come out of pocket and it's not just going to be with Lyme disease, there's going to be other things in life. If you really look at illnesses and sicknesses that come along and the cost of those, even with the programs that we have and we're blessed to have, there's still a cost that, you know, isn't captured by something else that comes out of pocket. So as I thought about that and I go, okay, so how can what I do and what I teach people help? So I started reflecting on my daily cash value growth with the contracts, you know, the dividend paying, whole life insurance policies that I already have in place, well, that's $108 a day. I can go look at that. And I did. It's $108 a day that my cash value is going up. And so, so I realized, you know, that can help for things like this. My money is increasing in value every day. And if I end up incurring more costs related to this disease that my wife has, well, where can I access capital if I need it to pay for shipping her blood to Germany and getting tests done and just the cost of things? Well, I have access to capital and I know that if I access that capital, my money is still going to grow uninterrupted. It. I'm not going to stop the growth of my money. It's going to keep on growing. So if you think about just $108 a day and you calculate that over a year, well, that's over $30,000 that my cash values will go up uninterrupted and it's going to support me and my family as we deal with this Lyme disease. So that's what I wanted to share with you. And I just hope you find some value. And you know, there's things you can do to help prevent some afflictions in life. And one would be Lyme disease. Do a good tick check after you've been somewhere or you might have been exposed and realize that it is possible to get different diseases through really basic things like just getting out and enjoying the great outdoors.