Hey, there. Here's the thing about Lillian Carebeck. I talk sometimes about building a dojo,

like a self-defense training school for dealing with the horrible cost of health care.

And, you know, it's a metaphor, a work in progress, a metaphor in progress.

Lillian is a black belt in this stuff. In fact, she's a teacher. I asked her to introduce

herself and she says, I'm Lillian Carebeck and I am a podcast and YouTube host that talks about

personal finance and unfortunately, a lot of the time that has to do with health care.

Lillian comes by all of this so honestly. She's always been good with the dollar and she's had to be.

One, because she's always wanted to do good things. She spent her 20s working for nonprofits,

which doesn't pay a lot. And two, because she's got rheumatoid arthritis,

started having symptoms when she was 18. Couldn't hold a pen. So, unlike people who are young and

indestructible, she experienced herself as being pretty destructible and as needing to think hard

about the financial side of health care, especially when she finally got access to a drug called

Enbrel. Within about three weeks, I went from not able to make a fist to like 99% symptom free.

It was spectacularly life-changing for me. I was like, other people live like this? You can just like

open door knobs. Yeah, but Enbrel was not cheap. Lillian says it was like 800 bucks a month when

she started taking it in 2015, which on her income or on most people's income, it's a lot of money.

When I went into covering personal finance, it just, yeah.

Health care is such a large freaking part of it. And the stakes for her have only gotten higher.

Right now, Enbrel's list price is about $12,000 a month. Yeah, it's gone from $800 a month to

$12,000. That's 15 times more expensive than it was seven years ago. Lillian plans and plans,

like she had to pick new insurance recently. She went over the options with a fine tooth comb.

And in January, with new insurance, she's got a whole routine of chasing the pre-authorization

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