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           Plus: A crazy Zoom vs. Exxon chart, fart jokes, Codie Sanchez, and a friendly lemur.
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                  <p style="padding-bottom: 10px; font-size: 15px; line-height: 140%; margin: 5px 0px 0px;">
                   Today marks the 100th episode of
                   <em>
                    The Hustle Daily Show
                   </em>
                   . While we can’t stand the sound of our own voices, apparently others can. The pod recently cracked the top 5 in Apple’s business news category. Give us a listen at the link below.
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                   <strong>
                    In today’s email:
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                   <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                    <strong>
                     Medical debt:
                    </strong>
                    41% of American adults have it.
                   </li>
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                    <strong>
                     Chart:
                    </strong>
                    The news around gas prices, explained.
                   </li>
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                    <strong>
                     Opinion:
                    </strong>
                    Is tech deflating prices?
                   </li>
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                    <strong>
                     Around the web:
                    </strong>
                    South Dakota’s divorce colony, a drawing game, writing tips, and more cool internet finds.
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                   🎧 On the go?
                   <a style="color: #192733; text-decoration: underline !important;">
                    Listen to today’s podcast
                   </a>
                   to hear Jacob and Juliet discuss all kinds of reasons behind rising prices at the pump, Biden’s gas tax holiday, and even the act of passing gas itself.
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              <td style="color: #bF2434; font-size: 16px; font-weight: bold; letter-spacing: 1.5px; text-transform: uppercase; padding: 0px 0px 10px;">
               The big idea
              </td>
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               <a style="color: #192733; text-decoration: underline !important;">
                <img alt="medical bill" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252Fcomposer%252Fimages%252Fsailthru-prod-6ks%252Fmedical.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1o4K6m:A-pVQZ8lEUauWGftS79woy2JvCkixqoWebGUi0VDkxc" style="height: auto; width: 100%; max-width: 600px;" width="600"/>
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              <td>
               <h2 style="font-family: 'Oswald', 'Roboto', helvetica, sans-serif; font-size: 22px; line-height: 26px; font-weight: bold; margin: 10px 0px 5px;">
                Americans are
                <em>
                 really
                </em>
                struggling with medical debt
               </h2>
              </td>
             </tr>
             <tr>
              <td class="h2020 ignore-defaults" style="padding: 5px 0px 0px;">
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                Remember that show about a schoolteacher who became a meth kingpin to cover his medical bills? New Zealand’s Walter White wouldn’t have done that.
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                But in the US,
                <strong>
                 41%
                </strong>
                of American adults carry medical debt, according to
                <a style="color: #192733; text-decoration: underline !important;">
                 research
                </a>
                from Kaiser Health News and
                <a style="color: #192733; text-decoration: underline !important;">
                 <em>
                  NPR
                 </em>
                </a>
                .
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                Some may not have appeared in past surveys or estimates due to how people deal with it — for example, 17% of people shuffle their debt to credit cards, while 21% pay over time directly to a provider.
               </p>
               <h4 style="font-size: 17px; height: 100%; letter-spacing: 0px; line-height: 22px; padding-top: 8px; margin: 0px;">
                <strong>
                 How much debt are we talking?
                </strong>
               </h4>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                The survey found that 42% owe $1k-$5k, while 24% owe more.
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                What that feels like depends on each debtor’s situation, and those who are low-income, uninsured, Black, Hispanic, women, or parents are often hit hardest.
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                Eighteen percent of debtors fear they’ll never pay it off. And debt has branching effects:
               </p>
               <ul style="font-size: 16px; line-height: 20px; padding-bottom: 10px; padding-left: 12px; margin: 0;">
                <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px 0px 10px;">
                 <strong>
                  48%
                 </strong>
                 of debtors say they’ve burned through their savings to pay down debt, and many put bills on credit cards, which rack up interest
                </li>
                <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px 0px 10px;">
                 <strong>
                  1 in 7
                 </strong>
                 debtors say they’ve been denied needed care due to unpaid bills
                </li>
                <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px 0px 10px;">
                 People who owe medical debt are
                 <strong>
                  2x
                 </strong>
                 as likely to skip care
                </li>
                <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                 Many debtors have delayed college and homeownership, or have had issues buying a car or renting an apartment
                </li>
               </ul>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                <strong>
                 What can be done to treat it?
                </strong>
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                Medical bills can often be shockingly high, even for the insured.
               </p>
               <ul style="font-size: 16px; line-height: 20px; padding-bottom: 10px; padding-left: 12px; margin: 0;">
                <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                 In 2020, a woman went to an in-network center for surgery, but was surprised by a
                 <a style="color: #192733; text-decoration: underline !important;">
                  $2k
                 </a>
                 bill because the anesthesiologist wasn’t in-network.
                </li>
               </ul>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                The
                <a style="color: #192733; text-decoration: underline !important;">
                 No Surprises Act
                </a>
                seeks to prevent this, banning out-of-network bills for emergency care, supplemental care (e.g., anesthesiology, radiology), and out-of-network providers working at in-network facilities.
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                New transparency laws also require hospitals to post rates for 300 common services. However, as of February, only ~14% were compliant,
                <a style="color: #192733; text-decoration: underline !important;">
                 per
                </a>
                <em>
                 CNBC
                </em>
                .
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                And the core issue remains: People can’t afford care, as both medical costs and deductibles have steadily increased.
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                <strong>
                 BTW:
                </strong>
                <em>
                 Consumer Reports
                </em>
                has
                <a style="color: #192733; text-decoration: underline !important;">
                 some tips
                </a>
                for avoiding high medical bills and dealing with them should they occur.
               </p>
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               SNIPPETS
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               <p style="font-size: 15px; line-height: 160%; margin: 5px 0px 10px;">
                <strong>
                 Vaporized:
                </strong>
                After a two-year review, the FDA is
                <a style="color: #192733; text-decoration: underline !important;">
                 preparing to reject
                </a>
                Juul’s application to keep its tobacco products on the US market. The company has struggled since 2019 when it stopped selling fruity flavors and changed its marketing to appease regulators.
               </p>
               <p style="font-size: 15px; line-height: 160%; margin: 5px 0px 10px;">
                <strong>
                 Rider rebrand:
                </strong>
                Uber Pool is back with a
                <a style="color: #192733; text-decoration: underline !important;">
                 new name
                </a>
                . The service was suspended in the early days of the pandemic for social distancing purposes, but Uber revealed the new feature under the name UberX Share.
               </p>
               <p style="font-size: 15px; line-height: 160%; margin: 5px 0px 10px;">
                <strong>
                 Presidential moves:
                </strong>
                The Obamas
                <a style="color: #192733; text-decoration: underline !important;">
                 reached
                </a>
                a “first-look” audio deal with Audible for their production company, Higher Ground, following news of their departure from Spotify in April.
               </p>
               <p style="font-size: 15px; line-height: 160%; margin: 5px 0px 10px;">
                <strong>
                 Microsoft
                </strong>
                <a style="color: #192733; text-decoration: underline !important;">
                 announced plans
                </a>
                to remove facial analysis tools from its AI services in an effort to promote “responsible AI.” The controversial tools can predict a person’s age, gender, and emotional state.
               </p>
               <p style="font-size: 15px; line-height: 160%; margin: 5px 0px 10px;">
                <strong>
                 How Nerdy Nuts 20x’d on TikTok:
                </strong>
                Trendster Craig Mount talks brand loyalty after his D2C peanut butter company sold
                <a style="color: #192733; text-decoration: underline !important;">
                 <em>
                  $500k+ per month
                 </em>
                </a>
                in 2021.
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                Hey —
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                Pick your preferences👇 and we’ll send you more of what you love. Boom.
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               chart
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               <a style="color: #192733; text-decoration: underline !important;">
                <img alt="Zoom vs Exxon market caps" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252Fcomposer%252Fimages%252Fsailthru-prod-6ks%252Fexxon_zoom.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1o4K6m:A-pVQZ8lEUauWGftS79woy2JvCkixqoWebGUi0VDkxc" style="height: auto; width: 100%; max-width: 600px;" width="600"/>
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                Singdhi Sokpo
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                The news around gas prices, explained
               </h2>
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               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                What’s worse: sitting in a car with someone who passes gas, or simply looking at gas prices that are up
                <a style="color: #192733; text-decoration: underline !important;">
                 60%+
                </a>
                since last year?
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                Here’s why prices at the pump are so high, and what’s being done to fix it.
               </p>
               <h4 style="font-size: 17px; height: 100%; letter-spacing: 0px; line-height: 22px; padding-top: 8px; margin: 0px;">
                <strong>
                 First, what goes into the price of gas?
                </strong>
               </h4>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                The price of crude oil
                <a style="color: #192733; text-decoration: underline !important;">
                 accounts
                </a>
                for
                <strong>
                 60%
                </strong>
                . Russia’s war in Ukraine led to a global reduction in crude supply, driving prices higher.
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                The other
                <strong>
                 40%
                </strong>
                comes from refining that oil, distribution, and taxes.
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                During the pandemic, practically all forms of transit ground to a halt and prices crashed with demand. Demand has recovered, but production hasn’t, further exacerbating prices.
               </p>
               <h4 style="font-size: 17px; height: 100%; letter-spacing: 0px; line-height: 22px; padding-top: 8px; margin: 0px;">
                <strong>
                 Can’t we just produce more?
                </strong>
               </h4>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                It’s possible, but it isn’t cheap. Drilling, refining, and transporting oil requires expensive machinery and talented manpower.
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                Despite record profits, oil companies are reluctant to invest in increasing outputs because:
               </p>
               <ul style="font-size: 16px; line-height: 20px; padding-bottom: 10px; padding-left: 12px; margin: 0;">
                <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px 0px 10px;">
                 They’re already short-staffed following pandemic layoffs.
                </li>
                <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px 0px 10px;">
                 Many machines have been decommissioned.
                </li>
                <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px 0px 10px;">
                 There’s a risk in producing too much and sinking prices.
                </li>
                <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                 The world is heading toward greener energy in the long term.
                </li>
               </ul>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                Of course, those reasons don’t sit well with activists and politicians, who have
                <a style="color: #192733; text-decoration: underline !important;">
                 excoriated
                </a>
                oil companies for buying back stocks instead of ramping up production.
               </p>
               <h4 style="font-size: 17px; height: 100%; letter-spacing: 0px; line-height: 22px; padding-top: 8px; margin: 0px;">
                <strong>
                 Did Biden get rid of the gas tax yesterday?
                </strong>
               </h4>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                Kinda. He
                <a style="color: #192733; text-decoration: underline !important;">
                 called
                </a>
                on Congress to implement a three-month gas tax holiday. Currently, there’s an 18 cent/gallon federal tax on regular gas.
               </p>
               <ul style="font-size: 16px; line-height: 20px; padding-bottom: 10px; padding-left: 12px; margin: 0;">
                <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                 Biden previously announced the release of
                 <strong>
                  1m barrels
                 </strong>
                 of oil per day from US reserves.
                </li>
               </ul>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                But these are temporary Band-Aids for deep industry problems. For now, here’s a
                <a style="color: #192733; text-decoration: underline !important;">
                 funny gas tweet
                </a>
                .
               </p>
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               Free Resource
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               <h2 style="font-family: 'Oswald', 'Roboto', helvetica, sans-serif; font-size: 22px; line-height: 26px; font-weight: bold; margin: 10px 0px 5px;">
                The ultimate guide to Java and JavaScript
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                If you can’t tell the difference, this one’s for you.
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                You use Java every time you play Minecraft, use Android apps, or jam out on Spotify. And JavaScript elements are present in
                <a style="color: #192733; text-decoration: underline !important;">
                 over 97% of all websites
                </a>
                , per W3Techs.
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                Experts at
                <a style="color: #192733; text-decoration: underline !important;">
                 General Assembly
                </a>
                and HubSpot linked up to decode
                <a style="color: #192733; text-decoration: underline !important;">
                 two of the world’s most popular programming languages
                </a>
                . So if you’re interested in breaking into code, starting here will help.
               </p>
               <h4 style="font-size: 17px; height: 100%; letter-spacing: 0px; line-height: 22px; padding-top: 8px; margin: 0px;">
                <strong>
                 Inside the Java vs. JavaScript guide:
                </strong>
               </h4>
               <ul style="font-size: 16px; line-height: 20px; padding-bottom: 10px; padding-left: 12px; margin: 0;">
                <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                 WTF is Java and JavaScript?
                </li>
                <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                 Popular, in-demand use cases
                </li>
                <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                 Choosing the right one for your career
                </li>
                <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                 Links to supplemental resources
                </li>
               </ul>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                It’s a web and app developer’s world these days. We’d never knock you for becoming one of them.
               </p>
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                <!--[if mso]><i style="letter-spacing: 25px; mso-font-width: -100%; mso-text-raise: 30pt;">&nbsp;</i><![endif]-->
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                 Java + JavaScript 101 →
                </span>
                <!--[if mso]><i style="letter-spacing: 25px; mso-font-width: -100%;">&nbsp;</i><![endif]-->
               </a>
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               Opinion
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                <img alt="Codie's Corner" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252Fcomposer%252Fimages%252Fsailthru-prod-6ks%252FCodie_Sanchez_visual.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1o4K6m:A-pVQZ8lEUauWGftS79woy2JvCkixqoWebGUi0VDkxc" style="height: auto; width: 100%; max-width: 600px;" width="600"/>
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               <h2 style="font-family: 'Oswald', 'Roboto', helvetica, sans-serif; font-size: 22px; line-height: 26px; font-weight: bold; margin: 10px 0px 5px;">
                Markets tanked, but tech is just getting started
               </h2>
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               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                I’ve had many mornings lately that look like this:
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                Wake up. Pound my alarm and groggily check my sleep on Whoop. Meditate for 20 minutes using Insight Timer (I’m zen like that). Track my habits from the day before in the Way of Life app. Rapidly panic over my investments across Gemini, Here, Fundrise, and Wealthfront.
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                I then proceed to go to the gym for sanity and use the Ladder app to have my personal trainer take me through some pain.
               </p>
               <h4 style="font-size: 17px; height: 100%; letter-spacing: 0px; line-height: 22px; padding-top: 8px; margin: 0px;">
                <strong>
                 Is this just a really disgusting affiliate play?
                </strong>
               </h4>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                Nope. No ties here. This is a reminder that although the world around us is bleeding, it’s also innovating. We aren’t waiting for the metaverse — we already have one foot in it.
               </p>
               <ul style="font-size: 16px; line-height: 20px; padding-bottom: 10px; padding-left: 12px; margin: 0;">
                <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px 0px 10px;">
                 <strong>
                  Personal trainer,
                 </strong>
                 in 2010 = $100 a session or $400-$800/mo. In 2022 = $30 with Ladder
                </li>
                <li style="font-size: 15px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                 <strong>
                  Getting sleep tests,
                 </strong>
                 in 2010 = $100 copay each time + insurance. In 2022 = $30/mo. for daily tests with Whoop
                </li>
               </ul>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                While those are bougie examples, my point is, the world is simultaneously getting worse and better.
               </p>
               <h4 style="font-size: 17px; height: 100%; letter-spacing: 0px; line-height: 22px; padding-top: 8px; margin: 0px;">
                <strong>
                 Just remember…
                </strong>
               </h4>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                … if your portfolio looks like a slasher film and you’re reading this, you probably have many more years left to invest.
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                If history repeats itself (which it tends to do), judging by
                <a style="color: #192733; text-decoration: underline !important;">
                 this chart
                </a>
                , you’re probably gonna be just fine.
               </p>
              </td>
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               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                <strong>
                 For more Codie,
                </strong>
                check out her newsletter,
                <a style="color: #192733; text-decoration: underline !important;">
                 <em>
                  Contrarian Thinking
                 </em>
                </a>
                .
               </p>
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              <td style="color: #bF2434; font-size: 16px; font-weight: bold; letter-spacing: 1.5px; text-transform: uppercase; padding: 10px 3px 0px;">
               AROUND THE WEB
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               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                😨
                <strong>
                 On this day:
                </strong>
                In 2013, Nik Wallenda
                <a style="color: #192733; text-decoration: underline !important;">
                 walked
                </a>
                on a high wire 1.5k feet above the Little Colorado River Gorge in Arizona — without a safety harness. Wallenda comes from a family of circus performers and learned the skill as a child.
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                📃
                <strong>
                 How to:
                </strong>
                <a style="color: #192733; text-decoration: underline !important;">
                 Three tips
                </a>
                for concise writing.
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                💔
                <strong>
                 That’s interesting:
                </strong>
                Thanks to its lenient laws at a time when divorce was controversial, Sioux Falls, South Dakota, used to be called the “
                <a style="color: #192733; text-decoration: underline !important;">
                 divorce colony
                </a>
                .” Unhappy couples flocked to the city to get unhitched with ease.
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                ✏️
                <strong>
                 Cure boredom:
                </strong>
                “
                <a style="color: #192733; text-decoration: underline !important;">
                 Quick, Draw
                </a>
                ” is a game in which you must sketch an object well enough that AI can guess what it is.
               </p>
               <p style="font-size: 15px; line-height: 140%; margin: 5px 0px 10px;">
                😍
                <strong>
                 Aww:
                </strong>
                And now, a lemur
                <a style="color: #192733; text-decoration: underline !important;">
                 requests
                </a>
                pets.
               </p>
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               Meme
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                Eww, but true. (Source:
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                 imgflip.com
                </a>
                )
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                   Hey. Stop keeping us a secret.
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            Today's email was brought to you by
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            ,
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            , and
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            .
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            Editing by: Mark “RIP Creme Brulee Juul” Dent.
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