College tuition didn’t spiral out of control by accident. This episode examines how unlimited access to subsidized money, non-dischargeable student loans, and administrative bloat turned higher education into one of the most profitable—and least disciplined—industries in America. From the Bennett Hypothesis to the explosion of bureaucracy and low-value degrees, the discussion argues that the crisis in higher education isn’t about learning or compassion, but about incentives—and why prices will keep rising until those incentives change.

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Healthcare in America isn’t broken—it’s perfectly aligned with the incentives that govern it. This episode examines how scale, insurance design, and cultural expectations have transformed medicine into a system where costs rise invisibly, accountability dissolves, and intermediaries thrive. From Medicare’s role as a dominant buyer to the psychological separation between patients and prices, the conversation explores why reform is endlessly discussed yet rarely achieved—and why the system continues to serve those closest to the money far better than the people who fund it.

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Most investors ask the wrong first question. Instead of “How much can I make?” this episode asks something far more revealing: “Why is this opportunity being offered to me at all?”

This conversation explores what access really signals in investing—how scarcity, liquidity, and incentives shape both public and private markets. From private deals to publicly traded stocks, the episode unpacks why broadly marketed “opportunities” often exist to provide an exit for others, and why skepticism should scale with availability.

Investment success, it argues, is less about finding hidden gems and more about understanding who needs your capital—and why.

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