July 2026: My Goofy Dogs

by Erik Soderborg |
July 24, 2026

For some reason, weather is always how I want to start these newsletters.
It’s my awkward small-talk before I get into the good stuff.
So… weather-related news is that in my home state, we hit an all-time high in temperature… like… for as long as they’ve been tracking temperatures I guess.
109 Degrees.

That’s hot.

Agenda

  1. The GLP-1 Series Combined with Words of Wisdom… Whaaaat?!

  2. A Book Recommendation I Can’t Believe I Haven’t Done Yet

  3. Bonus Words of Wisdom: This One’s for the Dog Lovers

The GLP-1 Series & Words of Wisdom

This month marked the beginning of the GLP-1 Bridge program where those who qualify can get GLP-1 medications for a $50 copay.
This is a big deal for a lot of people who could benefit from these medications, but it is also a big deal even for those who don’t, because the costs of this program will eventually be felt by all on Medicare.
The Bridge program will eventually turn into the BALANCE Model where GLP-1 medications will be covered by Part D (2028).

Here is a video on the Bridge and BALANCE Model Programs and they work:
GLP-1 Bridge & BALANCE Programs

Here is a video on the cost impacts to the system for the Bridge & BALANCE Models:
Cost Impacts of the Bridge and BALANCE Programs

The newest video in this series – that hasn’t been released to the public yet, but is available to you right now… was a super cool experience for me.

Words of Wisdom Mixed In Here
If this is your first newsletter, usually, I have a section called “Words of Wisdom.”
It is my attempt at giving you a glimpse into my inner thoughts – outside the Retirement world.

Sometimes… the stories are goofy.
Sometimes… they are deeper as I try and figure out life.
Sometimes… they are a little bit of both.

It’s always the last section, but in this special edition, we’re going to work it in right here, and we’ll see where this one takes us.

My Switch to the Dark Side
In previous newsletters and in some videos on the channel, I’ve hinted at the fact that my initial goal while going through college was to become a doctor.
More specifically, an ophthalmologist.

During college, I had the opportunity to shadow several physicians of different specialties – one of those being Dr. Nicholas Paulk.

At the time, he was doing general surgeries and he was kind enough to let me shadow him multiple times and for several procedures.

I was left to take the MCAT and apply for Medical School before life took me a different route – pursuing some startups that led to me working at a health insurance company – which led me to a Medicare agency – which led us all here 🙂

In other words, Dr. Nick and several other doctor friends let me know that I’d “gone to the dark side” of insurance.

You Need to Get to Know Dr. Nick.
I’ve always known him as Nick.
When he became a doctor, I called him Doctor Nick – usually in the voice from the Dr. Nick character from the Simpsons.

But our story goes back further than shadowing him.

For my whole life, my dad was a basketball coach.
He of course coached me, but he also coached teams of guys about 10-12 years older than me, meaning, when I was between 5 and 7 years old, he was coaching some high school guys.

Nick… was one of those guys. And Nick was 7-year-old Erik’s hero.
He was an all state athlete and one of those guys who wore a big smile but was fiercely competitive.
He worked harder than anyone and was someone everyone looked to as a leader. And I mean EVERYONE.

Teammates. Students. Teachers. Everyone.

During practices, my dad would have the team run ladders or lines for various things.
Little me would be shooting around as they ran and Nick would pick me up, throw me over his shoulder, and run his lines carrying me… with me giggling the whole way.

Let’s Tie This Together
Fast forward to today.

Dr. Nick is now a leading physician in our state.
He is the only dual-board certified physician in both general surgery and obesity medicine.

When the GLP-1 programs started rolling out, I asked him if he’d be willing to let me interview him about Obesity.
The myths. The facts. The treatments – both natural things people can do without doctors, drugs or surgery – as well as what people can do with medications and surgery.

He agreed, and we have this video here:
The Obesity Epidemic: GLP-1s, Surgery, and What Patients Get Wrong

As I am writing this, the video is not public – meaning you get the first look at this one.
I don’t even have the thumbnail ready, but I wanted to get this out to you.

If you or someone you know is struggling with obesity, I think this is a must-watch.

It will go live to the world here in a couple days.

The Words of Wisdom Part
You just never know how your path will cross with people you interact with.

Never in my wildest dreams did I think I’d be:
1. A Medicare Nerd
2. Make a living on YouTube
3. Get to interview 7-year-old Erik’s hero.

That’s pretty cool.

Book Recommendation

The Psychology of Money, Morgan Housel

This is the 30th edition of The Retirement Nerds newsletter.
I went through my list of all 29 other books I’d recommended – as I try not to make duplicate recommendations – and I was shocked that this book had not made an appearance yet.

For those that knew me previous to the Retirement Nerds, it may have made an appearance but I don’t have access to those records anymore.

This book is an absolute must for anyone who wants to get a grasp around their finances, the goals they hope to accomplish with those finances, and the psychology around how we humans treat money.

I love, love this book.

Morgan writes and explains things like how normal people speak and think rather than trying to overwhelm you with complex jargon and show off his intellectual prowess.

Anyone who reads this will learn something.
If you’ve already read it, read it again.

Side note… read is a weird word.
Read is spelled out twice and in the same way two sentences ago, but each is pronounced differently as I read it out loud.
Like right there again… did I read (red) it out loud or read (reed) it out loud in that last sentence?
No one will know…
English is fun.

Get it Here

Words of Wisdom – Goofy Dogs

We already had the Words of Wisdom, so for the dog lovers out there, I’m just going to give you some pictures and silly videos of our furry friends who seem to run our house.

This… is Ruby. 
She also goes by:

  • Ruby Roo

  • Ruby doobie doo

  • Ruby Boobies

  • Rubers

  • And Ruby Reuteger

Ruby started out as an absolute menace.
Full of energy and a love of shredding anything and everything she could.
Oh… and she liked digging.

When she was little, we had a different dog – Petie – who was a small, old sheltie. She terrorized him and with her bigger size and youthful energy, Petie always looked like he was annoyed with her.

Here are those two together:

Can we all take a minute to awe at how much fur used to come out of Petie the Sheltie?

Can we all take a minute to awe at how much fur used to come out of Petie the Sheltie?

Well, Petie passed away a few years ago, and there was a noticeable change in Ruby.
She got much more calm and mellow.
She will still dig sometimes and will still shred a book I’m reading if I leave it within her reach, but she’s a sweetheart and kind of like the mama-dog of the house.

Since Ruby was so sad after Petie died, we got her a friend.

His name… is Jet

He also goes by:
• Jetster
• Jetson
• and Jetsterson

Jet is a corgi.
Looks kind of like a mix between a sheltie and a wiener dog.

Jet… is a lunatic.

Have you ever seen those Sour Patch Kids commercials where the gummies are causing chaos and then they go hug the kids whose party they just destroyed?

“First they’re sour… then they’re sweet.”

That’s Jet.

His eyes bore into your soul when he stares at you.
It’s like he thinks he has mind control power and will force you to do what he wants just by staring at you.
Sometimes it works.
And whatever it seems like he’s trying to get you to do, once you do it, he’s going to want to try something else.

Lounging around watching TV?
He’ll woof at you to let him outside so he can play.

Let him outside?
He scratches at the door and wants to come inside.

Playing fetch? With a toy he brought you to play fetch with…
“Yeah… I’m not getting that… I’m going to lay down.”

He’s a goofball, and even though he is smaller than Ruby, he is younger and bullies her like she used to bully Petie.

The circle of life.

No Real Point Here

I was just appreciating these two puppies in my life and figured I’d share them with you.

One of the things I’ve learned from these two is that no matter how I’m feeling – good days, bad days, or anything in between – every time I walk in the door, these two rush up to me.

Ruby’s tail is whipping around and hitting Jet in the face.
Jet doesn’t have a tail, but the entire back section of his body starts wiggling back and forth with excitement.

Wouldn’t it be weird if we humans did that whenever we saw friends. Our bums all start shaking uncontrollably?
However, when I do see good friends in real life, I try to let them know how excited I am to see them.

Less with bum shakes and licking.
More with smiles and hugs where appropriate 🙂

I Leave You With Two Videos

Here are two videos of the typical interactions I have with these goofy dogs.

I hope you enjoy them.

Jet’s Point of View

The Ruby & Jet Showdown

Thank You
I appreciate you making it this far.
Please forgive me for any typos and thank you for being a part of my life.

I hope you have a wonderful month, and I’ll see you in the next newsletter.

Erik