LDL (“bad” cholesterol) carries cholesterol to the arteries, where high levels can lead to plaque buildup and increase the risk of heart attack and stroke, while HDL (“good” cholesterol) helps remove excess cholesterol from the bloodstream and protects heart health. When LDL is high and HDL is low, the risk of cardiovascular disease increases significantly, especially if combined with factors like smoking, high blood pressure, or diabetes. To improve cholesterol balance, key steps include a heart-healthy diet (less saturated/trans fats, more fiber), regular exercise, weight management, quitting smoking, and reducing processed foods, while some people may also need medications like statins if lifestyle changes are not enough.