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Big Think Interview With Aaron Patzer
Aaron is both the visionary and technical mind behind Mint, the first free, automatic and secure way to manage and save money online. He designed Mint to meet his own needs and those of people like him who value the immediacy of the Web, simplicity and their free time. With 10 patents filed or pending, Aaron brings strong innovation skills to Mint. Prior to founding Mint, Aaron was an architect and technical lead for the San Jose division of Nascentric. Before Nascentric, Aaron worked for IBM and founded two web development and online marketing companies: PWeb and International. Aaron holds an MSEE from Princeton University and a BS in computer science, computer engineering, and electrical engineering from Duke University.
Question: How did Mint get started?
Aaron Patzer: I’ve actually started a number of businesses in my career. I’m 28 currently, but when I was about 16 I started building websites and that’s how I put myself through school. I went to Duke with a degree in electrical engineering, computer science, computer engineering and then to Princeton. And during that time when I was building Websites and putting myself through school, I was sort of comingling my person and my business finances, so I was using Quicken and Microsoft Money since I was about, well, 16 or 17 years old, so it’s been almost ten years or so.
And I was pretty religious about it. I would manage my finances as it were every Sunday afternoon for about an hour each Sunday, made sure all of my accounts would balance and then I was involved in another startup where I was working 80 to 100 hours a week and I didn’t open Quicken for probably five months or so. And the problem with a desktop tool is if you don’t open it up, it’s not updating your finances. It’s not pulling in the information. And once I did that it downloaded about 500 transactions and they were all uncategorized and it asked me to reconcile all of my account balances and it just seemed very tedious, like, why would you want to balance a checkbook in this modern day?
And then I decided there’s got to be a better way, an easier way, a faster way to manage your finances than spend an hour every Sunday afternoon doing it. I want a tool where people can get in and out in five minutes a week or less and it takes, like, ten minutes to set up instead of an hour to set. And that was the genesis of Mint.
The first thing that I did was come up with a categorization algorithm so that instead of seeing a big pie chart where most of the things are uncategorized, this algorithm knows that Safeway is a grocery store and Starbucks is a coffee shop and it’s smart. It actually knows about 20 million US merchants. And then I realized, “Well, that’s a nice feature, but it’s not a business.” And so, if the user knows where their money’s going that’s great because they spend less time. They can set budgets, they can see a nice pie chart of their spending, but as a company it means we know where their money is going and we can help them out. We can find better prices on the things that they buy most. Like, you spend $180 on phone, TV and internet. You could bundle it together. You have $20,000 in an old checking account that you opened when you were 17 and it’s just lying around not earning any interest. You’re paying all sorts of fees on it. There's a better offer out there.
And so, Mint’s business model became we’ll go for free and then we’ll find these savings opportunities for you. You know, better interest rate on your credit cards, when should you consolidate your student loans, when does it mathematically make sense to refinance your mortgage and Mint figures all that stuff out for you.
Question: How did you market Mint initially?
Aaron Patzer: Well, between the time that I created the alpha version and we actually launched, it was about a year and I did build up a team. So, I got financing and got some more engineers and some real professionals working on this. But, the marketing plan was whatever we can do, basically, for cheap or for free. So, probably nine months before the product even launched we started a blog, a personal finance blog, and we had some of our own content. So, we did this thing that we called train wreck Tuesdays. It was, like, people’s worst financial disaster. And somehow reading about other people’s financial mistakes makes you feel better about, you know, the mistakes that you’ve - you know, like, “Oh, other people really don’t get it either.”
And then we did sort of a “What’s in your wallet?” We would talk to either Silicon Valley sort of tech celebrities or personal finance bloggers and ask them, “What credit cards do you carry? What brokerage accounts do you have? Why did you choose these?” And that was an interesting segment. But, most of our content came from other personal finance bloggers and we would just simply crosslink back to their site. We got a lot free content.
And so, by the time we launched we had more traffic to our personal finance blog than our competitors who had beat us to the market, who had launched before us, actually had to their entire Websites. And then we added, you know, a “Send us your email and we’ll put you on the beta” because we building demand for nine months. We got about 20- 30,000 emails during that period which was too many. We couldn’t let that many people in all at once. So, we actually said, “Okay. We’ll give you special access to the beta if you put up a little badge on your blog or your Facebook page or wherever, that says, “I want Mint.” Just a very small, little badge and then we looked at all the people who had those embedded and what that did was it gave people sort of exclusive VIP access. Sort of like, you know, the velvet rope treatment at a club, but it got us free advertising on 600 different blogs and not only the free advertising, in some sense we got the boost in search engine ranking because Google actually looks at how many people are linking to your site in order to determine your relevancy and your popularity. And so, the more people who are linked to your site, higher its page rank and the better you’re going to do when people search for things like personal finance tool or budgeting software or whatever it may be.
Question: What are the logistical barriers to saving?
Aaron Patzer: As far as the logistics of saving, I think most books, if you read them on setting a budget and learning to save and learning where to cut back, do it all wrong. They sort of suggest you start out with your income. Okay, I earn $4000 and here’s how much I’m paying in taxes, here’s how much is rent, insurance, coffee shops, childcare, clothing - they make you list sort of 30 different categories. Most people don’t know what they spend in those categories anyway, so it’s an impossible task. It takes you, like, three hours to list all that stuff out and then you're supposed to come up with, okay, and here’s my savings goal at the end after I’ve tweaked all these categories.
It’s just really impractical and it’s also hard to track because they sort of tell you to write down everything that you buy. What I suggest instead is to use a tool like Mint or like Quicken which will pull in all of your transactions automatically, categorized them automatically and then set a budget against just probably the two or three problem areas that you have. I mean, most people know what their real issues are. You know, maybe you shop too much. Maybe you go out with your friends too much to bars and, you know, you need to set a budget on alcohol in bars. Maybe it’s restaurants. Maybe you’re a foodie. Maybe it’s too many video games or too many DVDs or something like that. People know sort of where their problem areas are typically. Too many coffee shops.
And so, you just set a budget in two or three different categories. Use a tool like Mint or like Quicken that will pull in your credit card and your debit card transactions. So, put everything on a credit or a debit card if you’re deeply in debt and a credit card - you're afraid you're going to get yourself into worse trouble, use a debit card then. But, the important thing is those allow you to track your spending in a way that cash doesn’t.
And so, all of a sudden you’ll realize, “Oh, I went to Starbucks 36 times last month. Oh, I spend more on shopping than I do on rent.” People have written in to Mint and said, “I just had no idea that I spent more on this than I do on - I spend four times as much on restaurants than I do on groceries?” My press agent, Martha, said the first time she used Mint she realized that she didn’t have anything in her groceries category for the past month. She literally hadn't bought any because she had been going out so much.
And so, you find these patterns. You set a budget in those problem areas and Mint will show you how much you’ve actually spent historically. So, if you’ve spent $300 a month on restaurants, don’t set $100 budget. You're just not going to make it. You’re just going to frustrate yourself. Set a budget of $250 or $225. Maybe 25 percent less and then if you make that then cut it back each month. And a tool like Mint or like Quicken - Quicken 2010 is actually - it’s really good. They use a lot of the budgeting features that I think that they got from Mint. It’s funny because I’ll be owning both of those brands now going forward.
Question: What are the psychological barriers to saving?
Aaron Patzer: You know, it’s funny. When I look at the biggest areas where people have been cutting back, 40 percent of Mint users say they spend less on restaurants and cook more at home and a full, I think, 90 percent of people say they’ve actually changed their spending habits. So, I think at least for people in their 20’s and early 30’s the biggest problem area is probably restaurants, coffee shops and sort of your going out budget. Getting lunch every day, getting coffee in the morning or the afternoon every day, those sort of daily habits that maybe you don’t realize.
So, sometimes I wonder from a psychological perspective if people have a food and beverage addiction. I’m typically a just drink water kind of guy. I was a bodybuilder in high school, so I used to - food to me was, there are this many grams of carbohydrates and proteins and I need these micronutrients in order to grow and be fit and I ate in order to live and not live in order to eat and I think most people are the opposite.
And so, I know it sounds weird, but the food that I eat, it doesn’t make a big difference and it never has. So, I’ve saved a ton of money not buying a lot of alcohol, not going out to restaurants too much. So, I think it’s part of our culture and it’s part of a social activity more than anything else.
The other thing is I think we’re in a very consumer focused culture where you’re almost taught that in order to be happy or satisfied you have to spend on the latest clothes, gadgets, whatever and I think half the time it’s in order to impress other people. You know, the way you dress or the car you drive or what you spend is to impress other people with how, I guess, successful and rich you are. But, you're not and you shouldn’t and who gives a damn what other people think anyway. So, that mentality, I think, is very destructive. It’s the mentality of being a secondhander; of caring too much what other people think. I know that’s an odd thing to say, maybe, when we’re talking about, like, psychology of saving, but I think it - that has more to do with it than anyone imagines.
Question: What are the three tenants in the field of personal finance?
Aaron Patzer: So, there are always exception to the rule, but the reason that I came up with those three tenants is the field of personal finance is, I think, very confusing and overwhelming to people. If you look on Amazon - if you do a search for personal finance, there are literally 20,000 books written on personal finance and there's no real reason for it. I mean, personal finance is pretty simple. You see content on the Internet, whether it’s CNN Money, the Motley Fool, even, you know, the Mint blog in some ways and fundamentally it can all boil down - all those books, all those articles - to three basic principles which you named. Spend less than you earn which means basically save money, make the money you have work for you which means invest it and then be prepared for the unexpected which means, you know, protect your downside with the right types of insurance, with diversification of your investment.
And so, the first aspect is save it and the best thing to do there is to set a budget on your problem categories. If you’ve lost your job than saving money shouldn’t be your primary concern. It should be finding another job and making ends meet. The other thing that you can do to save money without really changing your behavior is to optimize your financial accounts. So, most people seem to have the checking and savings account that they set up when they were 16 or 17. You went into your local bank with your mom and you set up a checking account and you’re not being paid any interest and if you have a savings account from City Bank, Wells Fargo, Bank of America, and of the big name banks, I guarantee that right now you’re being paid between 0.1 percent and 0.2 percent interest which is ridiculous because you can make 2 percent interest right now and if interest rates go up, the Fed changes the rates, you could make 3, 4, 5 percent interest. You’re going to be earning a fifth to tenth as much at most of the big banks as you could either get at a credit union or an internet bank like ING or HSBC or Emigrant Direct Bank or Ally which is the old GMAC actually pays the best interest rates around right now. I’m a big, big fan and they have accounts without any fees.
So, if you optimize your financial accounts, get a high yield savings account and put your deposits in there. Get a credit card that, if you're paying interest on your credit card, is at a lower rate. If you pay your credit card off every month, get a rewards card. One that gives you airline miles or that will give you 1 percent cash back at least on every purchase. Some of them will still give you 3 to 5 percent back on restaurants or groceries or gas or whatever that type of card is. I use an American Express Blue cash card and after you’ve spent about $6000 on that card it’ll give you 5 percent on gas and restaurants and I mean, it’s - I've made so far this year about $500 cash back. It’s great.
And then, you know, consolidating your student loans or finding even a brokerage account if you're an active trader that you’re going to spend less on your cost per trade. All of those things don’t really require a change in your day to day behavior; they just require being a little smarter about which financial accounts you should have.
Question: What has been your biggest spending mistake?
Aaron Patzer: My biggest financial mistake was probably, you know, in terms of scope it was probably, you know, not cashing out in the 2000 tech crash, but on a more personal note, I was 19. I had moved to Silicon Valley to work there for the summer. Apartments were really expensive. Since it was the first move I had made, I didn’t account for the cost of getting TV, Internet, power set up, all the furniture, all of the cleaning supplies and food and spices and cooking stuff that you need when you first set up an apartment. Overspent - it was a first and only time that I ever had my account overdraft. Got hit with a fee. The part of the mistake that I made was I thought I had enough saved up, but I didn’t realize that your first paycheck often takes not two weeks to get, but four weeks until, you know, payroll kicks in or until your direct deposit kicks in or if you open a new bank account, sometimes to prevent fraud on their part, they’ll hold your check for four or five days or ten days to let it clear when you think, “Oh, well I’ve got the check in hand,” or, “This is my pay period right now.” No, you don’t actually get to use the money for a couple weeks beyond that. And so, that sequence of timing and ill planning was just a bad combination and I was very, very depressed and very mad at myself for making that mistake.
Question: What is your weakness?
Aaron Patzer: As of late my the big surprise was I spend a lot more on travel and hotels and airfare than I ever thought. That’s probably my biggest area of spending. In fact, it’s probably, at this point, more than rent. You know, I just sold my company. I’ll have good proceeds from that. I’ll have plenty of money to do as I please, but I won’t. I’ll still live in my one bedroom apartment and drive my used cars and not go out too much, but the one thing that I won’t curb any more is, you know, good travel and good experiences with friends and family. And so, that’ll be an area where I increase my mid-budget.
Recorded on November 2, 2009
A conversation with the founder and CEO of Mint.com and vice president of Intuit’s personal finance division.
Higher education faces challenges that are unlike any other industry. What path will ASU, and universities like ASU, take in a post-COVID world?
- Everywhere you turn, the idea that coronavirus has brought on a "new normal" is present and true. But for higher education, COVID-19 exposes a long list of pernicious old problems more than it presents new problems.
- It was widely known, yet ignored, that digital instruction must be embraced. When combined with traditional, in-person teaching, it can enhance student learning outcomes at scale.
- COVID-19 has forced institutions to understand that far too many higher education outcomes are determined by a student's family income, and in the context of COVID-19 this means that lower-income students, first-generation students and students of color will be disproportionately afflicted.
What conditions of the new normal were already appreciated widely?<p>First, we understand that higher education is unique among industries. Some industries are governed by markets. Others are run by governments. Most operate under the influence of both markets and governments. And then there's higher education. Higher education as an "industry" involves public, private, and for-profit universities operating at small, medium, large, and now massive scales. Some higher education industry actors are intense specialists; others are adept generalists. Some are fantastically wealthy; others are tragically poor. Some are embedded in large cities; others are carefully situated near farms and frontiers.</p> <p>These differences demonstrate just some of the complexities that shape higher education. Still, we understand that change in the industry is underway, and we must be active in directing it. Yet because of higher education's unique (and sometimes vexing) operational and structural conditions, many of the lessons from change management and the science of industrial transformation are only applicable in limited or highly modified ways. For evidence of this, one can look at various perspectives, including those that we have offered, on such topics as <a href="https://www.insidehighered.com/digital-learning/blogs/rethinking-higher-education/lessons-disruption" target="_blank">disruption</a>, <a href="https://www.nytimes.com/2020/02/20/education/learning/education-technology.html" target="_blank">technology management</a>, and so-called "<a href="https://www.insidehighered.com/sites/default/server_files/media/Excerpt_IHESpecialReport_Growing-Role-of-Mergers-in-Higher-Ed.pdf" target="_blank">mergers and acquisitions</a>" in higher education. In each of these spaces, the "market forces" and "market rules" for higher education are different than they are in business, or even in government. This has always been the case and it is made more obvious by COVID-19.</p> <p>Second, with so much excitement about innovation in higher education, we sometimes lose sight of the fact that students are—and should remain—the core cause for innovation. Higher education's capacity to absorb new ideas is strong. But the ideas that endure are those designed to benefit students, and therefore society. This is important to remember because not all innovations are designed with students in mind. The recent history of innovation in higher education includes several cautionary tales of what can happen when institutional interests—or worse, <a href="https://www.insidehighered.com/news/2016/02/09/apollos-new-owners-seek-fresh-start-beleaguered-company" target="_blank">shareholder</a> interests—are placed above student well-being.</p>
Photo: Getty Images<p>Third, it is abundantly apparent that universities must leverage technology to increase educational quality and access. The rapid shift to delivering an education that complies with social distancing guidelines speaks volumes about the adaptability of higher education institutions, but this transition has also posed unique difficulties for colleges and universities that had been slow to adopt digital education. The last decade has shown that online education, implemented effectively, can meet or even surpass the quality of in-person <a href="https://link-springer-com.ezproxy1.lib.asu.edu/article/10.1007/s10639-019-10027-z" target="_blank">instruction</a>.</p><p>Digital instruction, broadly defined, leverages online capabilities and integrates adaptive learning methodologies, predictive analytics, and innovations in instructional design to enable increased student engagement, personalized learning experiences, and improved learning outcomes. The ability of these technologies to transcend geographic barriers and to shrink the marginal cost of educating additional students makes them essential for delivering education at scale.</p><p>As a bonus, and it is no small thing given that they are the core cause for innovation, students embrace and enjoy digital instruction. It is their preference to learn in a format that leverages technology. This should not be a surprise; it is now how we live in all facets of life.</p><p>Still, we have only barely begun to conceive of the impact digital education will have. For example, emerging virtual and augmented reality technologies that facilitate interactive, hands-on learning will transform the way that learners acquire and apply new knowledge. Technology-enabled learning cannot replace the traditional college experience or ensure the survival of any specific college, but it can enhance student learning outcomes at scale. This has always been the case, and it is made more obvious by COVID-19.</p>
What conditions of the new normal were emerging suspicions?<p>Our collective thinking about the role of institutional or university-to-university collaboration and networking has benefitted from a new clarity in light of COVID-19. We now recognize more than ever that colleges and universities must work together to ensure that the American higher education system is resilient and sufficiently robust to meet the needs of students and their families.</p> <p>In recent weeks, various commentators have suggested that higher education will face a wave of institutional <a href="https://www.businessinsider.com/scott-galloway-predicts-colleges-will-close-due-to-pandemic-2020-5" target="_blank">closures</a> and consolidations and that large institutions with significant online instruction capacity will become dominant.</p> <p>While ASU is the largest public university in the United States by enrollment and among the most well-equipped in online education, we strongly oppose "let them fail" mindsets. The strength of American higher education relies on its institutional diversity, and on the ability of colleges and universities to meet the needs of their local communities and educate local students. The needs of learners are highly individualized, demanding a wide range of options to accommodate the aspirations and learning styles of every kind of student. Education will become less relevant and meaningful to students, and less responsive to local needs, if institutions of higher learning are allowed to fail. </p> <p>Preventing this outcome demands that colleges and universities work together to establish greater capacity for remote, distributed education. This will help institutions with fewer resources adapt to our new normal and continue to fulfill their mission of serving students, their families, and their communities. Many had suspected that collaboration and networking were preferable over letting vulnerable colleges fail. COVID-19's new normal seems to be confirming this.</p>
President Barack Obama delivers the commencement address during the Arizona State University graduation ceremony at Sun Devil Stadium May 13, 2009 in Tempe, Arizona. Over 65,000 people attended the graduation.
Photo by Joshua Lott/Getty Images<p>A second condition of the new normal that many had suspected to be true in recent years is the limited role that any one university or type of university can play as an exemplar to universities more broadly. For decades, the evolution of higher education has been shaped by the widespread imitation of a small number of elite universities. Most public research universities could benefit from replicating Berkeley or Michigan. Most small private colleges did well by replicating Williams or Swarthmore. And all universities paid close attention to Harvard, Princeton, MIT, Stanford, and Yale. It is not an exaggeration to say that the logic of replication has guided the evolution of higher education for centuries, both in the US and abroad.</p><p>Only recently have we been able to move beyond replication to new strategies of change, and COVID-19 has confirmed the legitimacy of doing so. For example, cases such as <a href="https://www.washingtonpost.com/education/2020/03/10/harvard-moves-classes-online-advises-students-stay-home-after-spring-break-response-covid-19/" target="_blank">Harvard's</a> eviction of students over the course of less than one week or <a href="https://www.nhregister.com/news/coronavirus/article/Mayor-New-Haven-asks-for-coronavirus-help-Yale-15162606.php" target="_blank">Yale's apparent reluctance</a> to work with the city of New Haven, highlight that even higher education's legacy gold standards have limits and weaknesses. We are hopeful that the new normal will include a more active and earnest recognition that we need many types of universities. We think the new normal invites us to rethink the very nature of "gold standards" for higher education.</p>
A graduate student protests MIT's rejection of some evacuation exemption requests.
Photo: Maddie Meyer/Getty Images<p>Finally, and perhaps most importantly, we had started to suspect and now understand that America's colleges and universities are among the many institutions of democracy and civil society that are, by their very design, incapable of being sufficiently responsive to the full spectrum of modern challenges and opportunities they face. Far too many higher education outcomes are determined by a student's family income, and in the context of COVID-19 this means that lower-income students, first-generation students and students of color will be disproportionately afflicted. And without new designs, we can expect postsecondary success for these same students to be as elusive in the new normal, as it was in the <a href="http://pellinstitute.org/indicators/reports_2019.shtml" target="_blank">old normal</a>. This is not just because some universities fail to sufficiently recognize and engage the promise of diversity, this is because few universities have been designed from the outset to effectively serve the unique needs of lower-income students, first-generation students and students of color.</p>
Where can the new normal take us?<p>As colleges and universities face the difficult realities of adapting to COVID-19, they also face an opportunity to rethink their operations and designs in order to respond to social needs with greater agility, adopt technology that enables education to be delivered at scale, and collaborate with each other in order to maintain the dynamism and resilience of the American higher education system.</p> <p>COVID-19 raises questions about the relevance, the quality, and the accessibility of higher education—and these are the same challenges higher education has been grappling with for years. </p> <p>ASU has been able to rapidly adapt to the present circumstances because we have spent nearly two decades not just anticipating but <em>driving</em> innovation in higher education. We have adopted a <a href="https://www.asu.edu/about/charter-mission-and-values" target="_blank">charter</a> that formalizes our definition of success in terms of "who we include and how they succeed" rather than "<a href="https://www.washingtonpost.com/opinions/2019/10/17/forget-varsity-blues-madness-lets-talk-about-students-who-cant-afford-college/" target="_blank">who we exclude</a>." We adopted an entrepreneurial <a href="https://president.asu.edu/read/higher-logic" target="_blank">operating model</a> that moves at the speed of technological and social change. We have launched initiatives such as <a href="https://www.instride.com/how-it-works/" target="_blank">InStride</a>, a platform for delivering continuing education to learners already in the workforce. We developed our own robust technological capabilities in ASU <a href="https://edplus.asu.edu/" target="_blank">EdPlus</a>, a hub for research and development in digital learning that, even before the current crisis, allowed us to serve more than 45,000 fully online students. We have also created partnerships with other forward-thinking institutions in order to mutually strengthen our capabilities for educational accessibility and quality; this includes our role in co-founding the <a href="https://theuia.org/" target="_blank">University Innovation Alliance</a>, a consortium of 11 public research universities that share data and resources to serve students at scale. </p> <p>For ASU, and universities like ASU, the "new normal" of a post-COVID world looks surprisingly like the world we already knew was necessary. Our record breaking summer 2020 <a href="https://asunow.asu.edu/20200519-sun-devil-life-summer-enrollment-sets-asu-record" target="_blank">enrollment</a> speaks to this. What COVID demonstrates is that we were already headed in the right direction and necessitates that we continue forward with new intensity and, we hope, with more partners. In fact, rather than "new normal" we might just say, it's "go time." </p>
Parenting could be a distraction from what mattered most to him: his writing.
Ernest Hemingway was affectionately called “Papa," but what kind of dad was he?
Hollywood has created an idea of aliens that doesn't match the science.
- Ask someone what they think aliens look like and you'll probably get a description heavily informed by films and pop culture. The existence of life beyond our planet has yet to be confirmed, but there are clues as to the biology of extraterrestrials in science.
- "Don't give them claws," says biologist E.O. Wilson. "Claws are for carnivores and you've got to be an omnivore to be an E.T. There just isn't enough energy available in the next trophic level down to maintain big populations and stable populations that can evolve civilization."
- In this compilation, Wilson, theoretical physicist Michio Kaku, Bill Nye, and evolutionary biologist Jonathan B. Losos explain why aliens don't look like us and why Hollywood depictions are mostly inaccurate.
Can an orgasm a day really keep the doctor away?
- Achieving orgasm through masturbation provides a rush of feel-good hormones (such as dopamine, serotonin and oxytocin) and can re-balance our levels of cortisol (a stress-inducing hormone). This helps our immune system function at a higher level.
- The surge in "feel-good" hormones also promotes a more relaxed and calm state of being, making it easier to achieve restful sleep, which is a critical part in maintaining a high-functioning immune system.
- Just as bad habits can slow your immune system, positive habits (such as a healthy sleep schedule and active sex life) can help boost your immune system which can prevent you from becoming sick.
How masturbation affects your brain...<p>Orgasms are a very common human phenomenon. The physical and mental health benefits have been researched frequently as a result, and yet, there is still so much to be learned about how our bodies and brains react to the chemicals and hormones released during and after experiencing this type of sexual release.</p><p>"The amount of speculation versus actual data on both the function and value of orgasm is remarkable" explains Julia Heiman, director of the <a href="https://kinseyinstitute.org/" target="_blank">Kinsey Institute for Research in Sex, Gender, and Reproduction</a>.</p><p>Masturbation causes a rush of <a href="https://www.webmd.com/mental-health/what-is-dopamine" target="_blank">dopamine</a>, which is a chemical that is associated with our ability to feel pleasure. Along with the rush of dopamine that is released during an orgasm, there is also a release of a hormone called <a href="https://www.livescience.com/42198-what-is-oxytocin.html" target="_blank">oxytocin</a>, which is commonly referred to as the "love hormone."<br></p><p>This concoction of chemicals does more than just boost our mood, it also can play a key role in decreasing stress and promoting relaxation. Oxytocin decreases <a href="https://www.webmd.com/a-to-z-guides/what-is-cortisol" target="_blank">cortisol</a>, which is a stress hormone that is usually present (in high volumes) during times of anxiety, fear, panic, or distress. </p><p>According to BDSM and fetish researcher <a href="https://www.psychologytoday.com/us/therapists/dr-gloria-brame-colbert-ga/278388" target="_blank">Dr. Gloria Brame</a>, an orgasm is the biggest non-drug induced blast of dopamine that we can experience. </p><p>By boosting the oxytocin and dopamine levels and subsequently decreasing our cortisol levels, the brain is placed in a more relaxed, euphoric, and calm state. </p>
Masturbation boosts your immune system and raises your white blood cell count.<p>How do those effects on the brain from reaching orgasm translate to boosting our immune system and making our body healthier?</p><p>The increase of oxytocin and dopamine that causes a decrease in cortisol levels can help boost our immune system because cortisol (well-known for being a stress-inducing hormone) actually helps maintain your immune system if released in small doses. </p><p>According to <a href="https://www.health24.com/Sex/Great-sex/incredible-health-benefits-to-masturbating-20181030-2" target="_blank">Dr. Jennifer Landa</a>, a hormone-therapy specialist, masturbation can produce the right kind of environment for a strengthened immune system to thrive. </p><p><a href="https://www.ncbi.nlm.nih.gov/pubmed/15316239" target="_blank">A study</a> conducted by the Department of Medical Psychology at the University Clinic of Essen (in Germany) showed similar results. A group of 11 volunteers were asked to participate in a study that would look at the effects of orgasm through masturbation on the white blood cell count and immune system.</p><p>During this experiment, the white blood cell count of each participant was analyzed through measures that were taken 5 minutes before and 45 minutes after reaching a self-induced orgasm. </p><p>The results confirmed that sexual arousal and orgasm increased the number of white blood cells, particularly the natural killer cells that help fight off infections. </p><p>The findings confirm that our immune system is positively affected by sexual arousal and self-induced orgasm and promote even more research into the positive impacts of sexual arousal and orgasm. </p>
Masturbation can ease and prevent pain, which allows you to achieve the restful sleep that helps your immune system stay strong and healthy.<p>The benefits of masturbation have long been debated, but the more research that is done on the topic the more we understand that there are many positive reactions that happen in our bodies and brains when we orgasm.</p><p>Orgasms can help prevent or mitigate pain, which boosts the immune system, preventing cold and flu symptoms. </p><p>According to neurologist and headache specialist Stefan Evers, about one in three patients experience relief from migraine attacks by experiencing sexual activity or orgasm. Evers and his team <a href="https://www.livescience.com/27642-sex-relieves-migraine-pain.html" target="_blank">conducted an experiment</a> with 800 migraine patients and 200 patients who suffered from cluster-headaches to see how their experiences with sexual activity impacted their pain levels. </p><p>The study showed that 60% of migraine sufferers experienced pain relief after participating in sexual activity that resulted in orgasm. Of the cluster-headache sufferers, about 50% said their headaches actually worsened after sexual arousal and orgasm. </p><p>Evers suggested in his findings that the people who did not experience pain relief from migraines of headaches during their sexual activity did not release as large amounts of endorphins as those who did experience pain relief. </p><p>According to <a href="https://www.sharecare.com/health/chronic-pain/chronic-pain-affect-immune-system" target="_blank">rheumatologist Dr. Harris McIlwain</a>, people who suffer from chronic pain have immune systems that are simply not functioning at full capacity - therefore, alleviating pain (through orgasm, as an example) can help boost the immune system. </p><p>Orgasms can also promote relaxation and make it easier to fall asleep. Serotonin, oxytocin, and norepinephrine are all hormones that are released during sexual arousal and orgasm, and all three are known for counteracting stress hormones and promoting relaxation, which makes it much easier for you to fall asleep.</p><p>There are <a href="https://www.ncbi.nlm.nih.gov/pubmed/1233384" target="_blank">several studies</a> showing that serotonin and norepinephrine help our body cycle through REM and deep non-REM sleeping cycles. During these sleep cycles, the immune system releases proteins called <a href="https://www.sleepfoundation.org/articles/how-sleep-affects-your-immunity" target="_blank"><span id="selection-marker-1" class="redactor-selection-marker"></span>cytokines<span id="selection-marker-2" class="redactor-selection-marker"></span></a>, which target infection and inflammation. This is a critical part of our immune response. Cytokines are both produced and released throughout our bodies while we sleep, which proves the importance of a good sleep schedule to a healthy immune system.</p>
Masturbation promotes a high-functioning immune system; a healthy immune system prevents cold and flu.<p>The immune system is a balanced network of cells and organs that work together to defend you against infections and diseases by stopped threats like bacteria and viruses from entering your system. While there are many things we need to do to keep our immune systems functioning at optimal levels, masturbation (or other means of achieving orgasm) has proven to have positive effects on the immune system as a whole.</p><p>Just as bad habits (such as an inconsistent sleep schedule or harmful chemicals in your body) can slow your immune system, positive habits (such as a healthy sleep schedule and active sex life) can help boost your immune system. </p>
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