Candice Elliott


I was a late comer to personal finance. Pretty happy as long as I had twenty bucks in my pocket. Then I found myself in my late thirties with not much more than the twenty bucks in my pocket.

Because the topic of money was always pretty dry to me, I needed a resource that was entertaining as well as educational. I found LMM via Reddit, loved the show and reached out to Andrew with a question. Next thing I know, I’m working for the show.

I love writing about things that I feel can make a difference to someone. And I love writing things that will piss some people off. Those two things are not mutually exclusive.

I’ve lived in NYC for fourteen years. I’d rather be in New Orleans though. One day. When I’m not writing or wishing I was in Nola, I’m running in Central Park or watching pro cycling.

I'm available for freelance work!
Average Net Worth By Age: How Do You Stack Up?

Net worth is a useful tool to gauge your overall financial picture. We have good data in America for average net worth by age. See how you stack up and because LMM listeners are not average, what your net worth by age should be. 

LendKey Review: Prioritizing People Over Profits

If you are struggling with student loan debt, you may have considered refinancing. Today we bring you our LendKey review. LendKey will refinance your loans to lower your interest and save you money. 

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Chime Bank Review: A Bank That Has Your Back

Tired of being nickel and dimed by your bank? Meet Chime. A Bank eliminates fees and helps you save money. This is our Chime Bank review.

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Survey Junkie Review: Finally Get Paid For Your Opinion

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Republic Wireless Review: Get A Cell Plan That Fits Your Life

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health IQ Review
Health IQ Review – Get Rewarded For Being Healthy

There is a new company that believes healthy people should be rewarded with lower insurance rates. We were intrigued so we checked them out. This is our Health IQ review.

What is Health IQ?

If you look after your health, exercise regularly, eat well, sleep well, it doesn’t seem fair that you should pay the same rates for life insurance as people who never get off the couch, live on fast food and soda, and stay up all night playing video games. Health IQ agrees.

The founder and CEO X was inspired to start the company after his own health scare in 2010. That scare sparked a profound change. Over the next few years, X overhauled his diet, lost 40 pounds and completed three marathons.

Realizing what a commitment it was to stay healthy, he thought those who managed it deserved to be celebrated, recognized, and rewarded.

Health IQ was started in 2013. Over the following three years a team of people whom had all overcome their own health struggles joined effort. The company is a liscened insurance agent in all 50 states and have helped thousands of customers obtain $1.5 billion in life insurance coverage.

Took Some Convincing

In those three years, the Health IQ team gathered scientfic data to make the argument to insurance companies that people who looked after their health deserved to pay lower rates for health insruance.

The company didn’t just rely on their own data. They also used peer reviewed medical research on the health benefits of healthy living. Runners show a 30% reduction in all-cause mortality, cyclists a 18-28% reduction, and weightlifters, a 46% reduction. These statistics are just a few examples.

Health IQ took this information to several insurance companies, many of whom were not receptive initially. But eventually, All of this information did convince several companies that those who work to maintain their health do live longer and deserve lower rates. Health IQ partnered with these companies to give healthy people the insurance rates they deserve.


Health IQ has partnered with 35 companies to bring you great rates and to make sure you have the right fit for your insurance needs. Some of the partners include Brighthouse Financial, John Hancock, Prudential, and Assurity.

The Data

Over one million people have taken the Health IQ quiz. The information gathered is part of the basis for the anlysis showing that there is a close link between how healthy a person is and how much health knowledge they have.

There is a ton of interesting information on the site. There are several different areas, weight lifting, running, cycling among them. You can click on the area that interests you and read the research. I chose weight lifting since I’ve been doing that for about ten years.

Studies show that lifting weights improves sleep quality, decreases visceral (the dangerous kind that surrounds your organs) fat, raises good cholesteroal and lowers bad cholesteroal and triglycarides. There are links to all the studies sited.

The Difference

It’s not only the rates that are different at Healh IQ. Very fit people can sometimes show up on the metrics insurance companies use as unhelathy. People who are very muscular can have a BMI in the over weight range because BMI doesn’t take muscle into account. Health IQ uses waist to hip ration in addition to BMI.

Genetics loads the gun and environment pulls the trigger. Many insurance companies only care about the genetics though. Health IQ minimizes the penalty for an adverse family history if you are otherwise healthy.

Bradycardia is a low resting heart rate. It can mean you’re very fit or that your heart’s electrical system is malfunctioning. Many insurers will see a low resting heart rate and assume there is a problem. Health IQ knows that many endurance athletes will show low resting heart rate.

Low carb diets tend to make LDL levels go up but your triglyceride levels go way down. This one gets to me because I have been Paleo for twelve years. Some low carbers will have a high total cholesteral number.

But knowing a person’s total cholesteral is like knowing the final score of a hockey game is 3. Well, who scored more goals? Knowing the total number doesn’t tell us what we need to know. Heath IQ measures tri/hdl cholesterol ratio in addition to HDL ratio which gives a much better picture of health.

For customers managing their conditions like diabetes and high blood pressure, they get rates that reward the hard work that is.

Your Health IQ

Health IQ works with a range of health experts including MD’s, registered dieticians, and fitness experts. This team researched and compiled the list of health questions that clients answer. The questions cover four areas ; nutrition, exercise, medical, and intergrative wellness.

The questions go far beyond the standard insurance questions and are designed to measure your knowledge, skills, and expereince in the area of health. A conventional insurance question might ask how often you over eat. A Health IQ question asks how many cups of rice are in an eight piece sushi roll.
Data is collected on each respondent. The number of correct answers are calculated into your Health IQ score. More than one million people answered questions for the study to analyze the relationship between a person’s health and their knowledge of health related topics. The data proved that those with high health IQ’s have a 56% lower risk of mortality than those with low health IQ’s.

The Site

I love health and wellness sites and have a handful that I read regularly. Health IQ is not really a health and wellness site but they have so much great information on the site that I have added it to my list. They publish a blog that covers topics like reducing body fat and how to make your workouts more enjoyable.

There is also an interactive forum where a topic is posted, share your favorite low carb, high vitamin receipe for example, and readers can share their tips. There was even a thread about what budgeting software people use. There were no comments yet so you LMM listeners get in there and share your knowledge!

To Get a Quote

You can get a free quote from Health IQ. Enter your basic information and how much coverage you want. If you’re not sure, you can use a place holder amount and an agent can help you determine the amount later.

Now you can take the Health IQ quiz. I love taking on-line quizzes! There are 28 questions and you have 60 seconds to answer each one. The amount of time it takes to answer each question makes up part of your score.

I took the quiz and my Health IQ is 180 out of 200 giving me 626 points. Once you have completed the quiz, a representative will contact you.

You Deserve It

Some people hate exercising and eating well. But they still do it because it’s worth it. Even those of us who genuinely do enjoy those things (and I think every one can. If you hate your workout or your healthy meals, you just haven’t found the right ones yet) make certain sacrifices to achieve them.

I don’t like running on cold winter mornings, (and I don’t have to anymore since I moved to New Orleans, it’s like 80% of the reason I moved) but I did it anyway because I like running and I like the way it makes me feel.

Sometimes I’m tired at the end of the day and I don’t feel like doing anything more than ordering take out. But I rally and make something healthy.

Some of you hate getting up early enough to to the them gym before work. But you do it because if you don’t, the day gets away from you and you don’t work out. We all have limited time and when we use it to take care of our health, even when we are enjoying it, it does take time away from other things in our lives. But our health is a priority so we do it.

Health IQ knows all of this because the people who started and work there, do all of these things too. They know how much planning and effort being healthy takes and they think we should be rewarded for it. If you agree, check out Health IQ.

Swagbucks Review: Get Paid For The Things You Already Do

Looking to make some extra money on-line? Swagbucks is often talked about as a place to do it. Can you make money on Swagbucks?  Our Swagbucks review will answer that question.

31 Passive Income Ideas So You Can Make Money While You Sleep

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Trish Regan: 5 Ways to Protect Your Sanity and Investments from Wall Street Noise

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4 Gift Rule

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How to Make Money in College

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RealtyShares Review – Is It Right For You?

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The One Percent Rule – Getting Down With Real Estate Investing Math

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Save the Middle Class

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11 Things You Should Never Pay For

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8 Money Tips For Teenagers

If you’re a teenager, you are in a very powerful position. Starting good money habits now will put you ahead for the rest of your life. Here are 8 money tips for teenagers.

Spend a Raise Wisely

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Invest in Yourself

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DIY Holiday Gifts

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Share The Gift Of Financial Literacy

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Pay For College Without Loans

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Do You Suffer From FOMO?

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Become A Digital Nomad

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Ten Bad Money Habits

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Small Investments On A Small Income

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Financial Infidelity

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How To Pay Off Debt, Even On A Low Income

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The Top 10 Worst Money Myths You Need to Forget

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Burnout: What To Do When You’ve Had Enough

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How to Make Money with Airbnb

If you want to make some extra money, renting your home through Airbnb is a great way to do it. Here’s what you need to know.

Five Things In Five Minutes To Improve Your Finances

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Do What You Love?

Everyone says it’s important to do what you love. But is it realistic? And would you even really want to do what you love doing for fun for a living?

Instant Payday Loans

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Identity Theft Facts You Need to Know

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Ethical Investment: Make Money, Do Good

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Take A Digital Vacation

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Paleo On A Budget

Thinking of trying the Paleo way of eating? It can be expensive with grass fed this and pastured that but it doesn’t have to be. Learn to Paleo on a budget.

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Traveler’s Rights

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How to Fix Bad Credit

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Save Money This Wedding Season

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Stay Cool For Cheap

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Is There Such A Thing As Being Too Frugal?

Being frugal is a good thing. But frugality can be taken too far and sometimes even cost you more in the long run. Walk the fine line without crossing over.

Where To Invest $100, $1000, or $10,000

Everyone should be investing. We will show you where  to invest $100, $1000, or $10,000.

Take The Emotion Out Of Money

Are you an emotional spender? Letting good or bad emotions drive your spending can be disastrous. Take the emotion out of money.

Don’t Get Off Track This Summer

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The Sharing Economy

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Cheap Summer Fun

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Is New York City Dead?

New York City has long been a mecca for young, aspiring people with little money and big ideas. But is it still or is New York City Dead?

Personal Finances By The Decade

We tend to set certain bench marks by age. Personal finance is no different. What should you be doing for your personal finances by the decade?

Credit Reports and Job Searches

Another reason to mind is your credit reports is the impact they can have on your job searches. In some cases you can be denied a job based on a poor score.

Being The Poor Friend

Some people are smarter, some are better looking, and some have more money. How do you cope when you are the poor friend in your social circle?

Red State Welfare

There is a big divide between red states and blue. Part of the gulf is welfare spending. But which states benefit more? Spoiler alert, Fox News lies.

Stuff You Can Rent

If you only need an expensive item once, you can rent it rather than buy it. You’ll be amazed at the number of things you can rent. Sex dolls included.

What is Brain Drain?

What happens to a place when talented young people move away? And what drives them to leave home and family in search of greener pastures?

Money Lending To Family And Friends

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Can Money Buy Happiness?

We’ve all been told that money can’t buy happiness. But is that true? It depends on your definition of happiness. It turns out some happiness can be bought.

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Who Are The Job Creators?

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Spring Clean Your Finances

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Economic Boycotting

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The Pink Tax Explained – What it is and what you can do about it

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Pet Expenses: How Much Does It Cost to Bring Up Fluffy?

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Financial Intervention

You’ve likely heard of interventions for people with drug or alcohol problems. But what about for someone with a spending problem? Should you do it?

Free Workouts Are The Best Workouts

You can spend a fortune on all kinds of specialized work out gear and an expensive gym membership. But you can get a good workout for almost nothing.

The Gender Pay Gap

In honor of International Women’s Day let’s discuss gender pay gap. 40% of US homes have a female as primary or sole earner, it’s not just women affected.

The High Cost of Being Poor

Being poor comes with special costs that higher earning people often don’t face. If you’re going to be poor in America, you better have money.

The Tipping Point- How Much Should You Tip?

Tipping was once reserved for places like restaurants and 15% was considered sufficient. Now everyone wants a tip and 15% is a relic. Has it gone too far?

The Bootleg Guide To Saving Money on Valentine’s Day

You can spend big bucks impressing your special someone on Valentine’s Day or you can use my bootleg methods to save some cash while still getting some.

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Tips For Moving On A Budget

Moving is certainly stressful and it can be expensive. Having just done it, I’ll share some things I did to save money and minimize stress.

Take Back Your Vacation!

Last year the average American only took 77% of their vacation days, working nearly a week for free. It’s time to take back your vacation America!

Understanding Income Inequality and the Income Gap

Income inequality is defined as “the extent to which income is unevenly distributed among a population.” What does that mean and how has it gotten so bad?

TTIP – The Transatlantic Trade and Investment Partnership

TTIP is the Transatlantic Trade and Investment Partnership. It is being negotiated in secret and if it passes, none of our shit will remain unfucked.

Corporate Welfare

Welfare is a dirty word in America. Corporate welfare is the real dirty word though, x rated in fact. See just who gets the real welfare in America.

It’s Never Too Late

If I knew then what I know now. I hate that saying. There is so much regret and blame in that sentence. But I hate it most of all for the futility of it.

One Simple Trick to Achieve New Year’s Resolutions

Every year there are a slew of tired articles about New Year’s Resolutions. This is not that. This is one simple trick to achieve New Year’s Resolutions.

Get The Money Out of Politics

With a record $4 billion dollars spent in 2014 mid-term elections and the lowest turn out in over seventy years, it’s time to get the money out of politics.

Why Net Neutrality Must Be Preserved

Net neutrality has been in the news a lot recently. Maybe you’re not even sure what it is but it must be preserved.

The High Cost of Poor Health Care

It’s no secret that even with the Affordable Care Act, it’s costly to be healthy in America. But the high cost of poor health care is even more costly.

Shopping On Black Friday

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How To Save Money on Christmas Gifts

Now that we’ve crossed the Halloween threshold, the Christmas season is fast upon us. Here are a few ways to save money on Christmas gifts.

So You Fell Off the Wagon

It happens to us all. We start a new diet then binge on pizza. We fell off the wagon. And it can happen to our finances too.

27 Steps to Save Money By Winterizing Your Life

I love autumn, all golden and shit. Sweaters, knee high leather boots, pumpkins, Halloween, Thanksgiving. The only thing I don’t like about fall is that it means winter is coming, so I just try not to think about that.

How Money Inequality Can Hurt Your Relationship

Money is a big point of contention for a lot of couples. We think of two people who are both scraping by and lack of money is a point of stress.

Leave the Millenials Alone!

Millenials get a lot of bad press. But it’s the boomers who are to blame for the mess millenials find themselves in. Leave the millenials alone!

Shutting Out the Personal Finance Cacophony

Let’s block out the noise and find what you need to tackle your finances once and for all.

Learning How to Conquer Lifestyle Creep

Lifestyle creep can show itself in many forms and start, then spiral out of control. Recognizing it is the first step to conquering it.

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Travel Cheap

Do you dream of travelling to far off destinations but don’t think you can afford it? Travel doesn’t have to be expensive. Learn to travel cheap!

17 Ways to Clean Your Home on a Budget

Unless you’re a neck bearded basement dweller, we all want to live in a clean home. Here are some ways to keep your house clean, cheap, and healthy.

6 Major Factors Make Up Your Credit Score

A credit score is a 3-digit number that ranges from 300-850. It’s used by financial companies to decide how likely you will pay back money they lent you.

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Fun Cheap Date Ideas

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Save Money On Groceries

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How To Save Money For Your First Apartment: 9 Simple Tips

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Best Credit Cards For Travel Rewards

There is much to be gained by choosing a good travel rewards credit card. Free airfare, hotel stays, upgrades & more. We’ll take a look at 3 of the best.