The Los Angeles wildfires decimated ten of thousands of acres, killed at least 10, and forced the evacuation of more than 180,000 people Dr. Phil focuses on a devastating crisis that's hitting close to home. Homeowners in California and across the nation are left helpless and vulnerable as insurance premiums skyrocket, leaving many with a heartbreaking choice: pay for coverage, or put food on the table. First, a woman whose parents nearly lost everything in the Los Angeles wildfires, she says it's a miracle that they didn't because no insurance company would cover them, and they were without insurance. Then, Dr. Phil speaks with Kristy and Michael, who know this reality all too well after losing two homes in the last six years to California wildfires. Now, they're trying to rebuild for the second time. Plus, Dr. Phil talks to Macie and Caleb, who couldn't afford flood insurance due to rising costs. When Hurricane Helene hit, they watched helplessly as floodwaters destroyed their forever home. Macie says it felt like a thief came in the night and stole everything. Dr. Phil also hears from Jamie, who was shocked when her home insurance was unexpectedly canceled due to wildfire risks. Now, her family lives in constant fear of losing everything. Dr. Phil will also speak with attorney at law Steven Bush who says that insurance companies are in it for the profit and offer tips for homeowners seeking coverage in these uncertain times. 

There is a growing concern by many who claim some mental health professionals and psychology professors have placed their own socio-political ideologies over what's best for their patients and the students entering the field. These same critics claim the bias has left many patients feeling the need to censor themselves or forgo much needed treatment all together. Dr. Phil will speak with 18 year old Claire, who claims her therapist crossed the line after subjecting her to a shocking political rant after her session ended, which forced her to sever ties with her therapist during a time she needed her the most. Dr. Phil will also speak with Dana, a mother who insists a therapist with a social justice agenda and clear bias against her, further drove a wedge between her and her daughter in only three sessions. Dr. Phil will also speak with Soad, a licensed therapist who says she requires all prospective clients to check her social media so they know she is a conservative who only deals in reality, and will challenge any non- fact based position on social justice topics. Plus, Dr. Phil speaks with Megan, a licensed clinical counselor who says she's facing online cancel culture over her political social media posts. And, Dr. Phil will Dr. Hartz who is the founder of the Open Therapy Institute, an organization focused on removing bias from mental health care across the country.