More than 15 years ago, I launched my flagship Retirement Millionaire newsletter. It went better than I ever dreamed.
In Retirement Millionaire, I expand on the same themes I cover in Health & Wealth Bulletin, just with more details and specific stock recommendations.
And my mantra – which was the reason I started writing – resonated with thousands of folks around the world...
Don't depend on Wall Street and Washington to do you any favors.
Today, many years later, I write five newsletters where I share my decades' worth of knowledge about the financial and health industries.
Here's one of the biggest secrets I learned during my time on Wall Street... You make a lot more money by selling the "rosy" side of things than you do by keeping things realistic.
Wall Street makes its biggest profits touting whatever the most popular stocks and bonds are at any given moment. Quantity is much more important than quality.
Wall Street made tons of money in the late 1990s by selling worthless tech stocks to the public.
It made even more money from 2002 to 2007 selling worthless mortgage securities to the public. Worse, it knew the entire time these assets were worthless in the long term.
But bonuses are paid out according to short-term gains (quantity) instead of long-term results (quality). In 2007, Merrill Lynch paid CEO John Thain $83 million... right before the company imploded. He even spent $1.2 million redecorating his office. I wish I were kidding.
This "rosy" disposition leads a lot of advisers and analysts to dispense dangerous investment advice. They focus on what makes them money right now... not what makes individual investors money over the long run.
If you want to help yourself – instead of assuming Wall Street has any interest in helping you – you need knowledge.
That's why five years ago, my company hired a man fresh off 20 years at arguably some of the most successful hedge funds on the planet.
He helped manage hundreds of millions in capital every day... structured every trade so the payoff potential far outweighed the risk... did boots-on-the-ground research in upward of 20 countries... and monitored foreign markets in the middle of the night...
But then he walked away from Wall Street.
That's good news for you.
His brilliant approach is not based on any individual sector or market condition, but on decades of making money for billionaires in a win-or-go-home environment. And on Wednesday, he shared this approach with ordinary folks for the first time ever.
It begins – every time – with looking where 90% of market participants simply aren't.
And then he follows the exact "scripts" he knows from his decades on Wall Street that could lead to multibagger gains in a few short years.
If you missed it, catch the replay – for free – here.
Now, let's get to this week's Q&A... And as always, keep sending your comments, questions, and topic suggestions to feedback@healthandwealthbulletin.com. My team and I read every e-mail.
How to Treat Fall Allergies
Q: Doc, my wife thinks she's getting fall allergies. Any difference in treating from spring? – W.D.
A: Thanks for your question, W.D. Most folks don't think about allergies in the fall or winter. But weed pollen is high in the fall, and mold bothers the most folks in the winter.
Despite the different causes, though, treating allergies is pretty similar all year round...
There is no cure for seasonal allergies, and the most common drugs folks use to relieve symptoms have harmful side effects. For example...
- Claritin is a popular drug that blocks the binding of histamine (the chemical that causes allergy symptoms). But its side effects include drowsiness, headaches, constipation, and dry mouth. It can also raise your blood pressure.
- Allergy shots work by regularly injecting small doses of the allergen causing your allergic reaction. However, they can take years to become effective and can have dangerous complications, like anaphylaxis (a life-threatening allergic reaction).
- Nasal sprays are popular over-the-counter medicines used to treat congestion. But the relief is only temporary and can actually cause your nasal lining to swell, leading to even more congestion. And overuse can lead to holes in your nasal septum. Worse, the drugs can permanently kill your sense of smell.
If you're like me, you want to avoid drugs... So try these alternative solutions...
- Keep your air filters clean. I keep a HEPA air filter in my bedroom, and I clean it once a week. But it's not the only filter to think about...
- Clean out and replace filters on your central heating and cooling system, your gas furnace, and your range hood or microwave fans if they have filters. Dirty filters reduce airflow, which puts a strain on your system.
- Use a neti pot. This is an old Hindu trick used to wash the sinuses, and neti pots are now easy to find on Amazon. With a neti pot, you pour water through your nostrils to flush them out. Just be sure to use sterilized or distilled water... Otherwise, brain-eating organisms found in tap water can enter the brain through your sinuses. In late 2011, two deaths in Louisiana were blamed on the improper use of a neti pot.
If my allergies get especially bad or my eyes get itchy, one of the drugs I will sometimes use is Zaditor, a histamine-receptor blocker. It helps me with nasal and eye reactions. I also like to use nedocromil sodium eye drops.
And if your allergy symptoms are severe enough, your doctor may prescribe other medications. One colleague in our office says his airways get so constricted in the spring, his doctor prescribes asthma medications.
But whatever the season... try my allergy tips before resorting to medicines.
What We're Reading...
- Did you miss it? One of the dirtiest businesses in the market just got cheaper.
- Something different: Buyers moved away from chocolate for this year's Halloween.
Here's to our health, wealth, and a great retirement,
Dr. David Eifrig and the Health & Wealth Bulletin Research Team
October 31, 2025