1 00:00:02,240 --> 00:00:04,800 Speaker 1: How is the economy shaping up? Who is raking in 2 00:00:04,840 --> 00:00:07,520 Speaker 1: the cash and who will be disappointed? 3 00:00:07,560 --> 00:00:10,520 Speaker 2: In time to crunch the numbers and find out how 4 00:00:10,520 --> 00:00:15,319 Speaker 2: it affects you. Unit's heaven. Duthless Yellen drive live from 5 00:00:15,360 --> 00:00:19,080 Speaker 2: Parliament for Budget twenty twenty five with one new zealft 6 00:00:19,400 --> 00:00:23,560 Speaker 2: use dogs have been right, good afternoon to the budget. 7 00:00:23,560 --> 00:00:25,560 Speaker 2: You are going to have to contribute more to your key. 8 00:00:25,600 --> 00:00:28,240 Speaker 2: We say that the government will put in less teenagers 9 00:00:28,240 --> 00:00:30,240 Speaker 2: will no longer be able to get the doll and 10 00:00:30,400 --> 00:00:32,680 Speaker 2: we now know that the pay Equity Scheme rejig has 11 00:00:32,720 --> 00:00:36,120 Speaker 2: saved nearly thirteen billion dollars. The government has managed to 12 00:00:36,120 --> 00:00:39,040 Speaker 2: deliver seven billion more for health tax incentives for businesses 13 00:00:39,040 --> 00:00:41,400 Speaker 2: to buy new equipment, plus two hundred million dollars to 14 00:00:41,440 --> 00:00:43,840 Speaker 2: find some new gas. Nikola Willis is the Finance Minister 15 00:00:43,880 --> 00:00:45,279 Speaker 2: and with us now Nikola, Hello. 16 00:00:45,240 --> 00:00:47,120 Speaker 1: Hello here, that's great to be with you in person. 17 00:00:47,200 --> 00:00:49,000 Speaker 2: It is lovely to have you. Thank you and thank 18 00:00:49,000 --> 00:00:50,920 Speaker 2: you very much for racing through your speech to be here. 19 00:00:51,880 --> 00:00:53,800 Speaker 2: Where's the growth in the growth budget? Where is it? 20 00:00:54,000 --> 00:00:57,040 Speaker 1: Well? The growth is coming this year and accelerating into 21 00:00:57,080 --> 00:01:00,279 Speaker 1: next year and beyond, averaging two point seven percent over 22 00:01:00,320 --> 00:01:02,760 Speaker 1: the next little while and much faster than we've had it. 23 00:01:03,400 --> 00:01:05,040 Speaker 2: This is the export is doing it, and they going 24 00:01:05,040 --> 00:01:06,800 Speaker 2: to do it. Whether you are there or not. What 25 00:01:06,840 --> 00:01:08,119 Speaker 2: are you doing at the well? 26 00:01:08,160 --> 00:01:10,800 Speaker 1: This investment boost policy is going to lift growth and 27 00:01:10,840 --> 00:01:12,920 Speaker 1: it is going to lift GDP because what it says 28 00:01:12,959 --> 00:01:16,119 Speaker 1: to every business about one percent over the next twenty years, 29 00:01:16,120 --> 00:01:18,760 Speaker 1: but half of that over the next five years. Combine 30 00:01:18,800 --> 00:01:21,759 Speaker 1: that with our other reforms, whether it's RMA reform, setting 31 00:01:21,800 --> 00:01:25,000 Speaker 1: up invest New zealand encouraging foreign investment, We're doing things 32 00:01:25,040 --> 00:01:27,800 Speaker 1: that are going to generate measurable growth. But Investment Boost 33 00:01:27,880 --> 00:01:30,720 Speaker 1: is really important because what it says to every business 34 00:01:30,760 --> 00:01:34,160 Speaker 1: listening right now is if you make an investment in 35 00:01:34,200 --> 00:01:36,560 Speaker 1: a new as set, we are going to deduct the 36 00:01:36,600 --> 00:01:39,200 Speaker 1: cost of that from your tax bill twenty percent deduction. 37 00:01:39,400 --> 00:01:41,560 Speaker 1: So that's going to help your cash flow now. And 38 00:01:41,600 --> 00:01:44,080 Speaker 1: if you are thinking about making an investment, do it 39 00:01:44,440 --> 00:01:46,920 Speaker 1: because we're going to help you out, because that would 40 00:01:46,959 --> 00:01:49,279 Speaker 1: have cost more than eight and a half billion dollars 41 00:01:49,320 --> 00:01:49,920 Speaker 1: a year. 42 00:01:49,960 --> 00:01:51,560 Speaker 2: Are you sure because that number is That is. 43 00:01:51,480 --> 00:01:54,920 Speaker 1: The advice that I received from Inland Revenue, and I 44 00:01:55,040 --> 00:01:57,840 Speaker 1: trust them that I'm more some of the bush costings 45 00:01:57,880 --> 00:01:59,640 Speaker 1: that are out there at the moment not have paid 46 00:01:59,680 --> 00:02:02,480 Speaker 1: for its Well, no, the advice was that it wouldn't 47 00:02:02,560 --> 00:02:06,000 Speaker 1: because what it starts to do is incentivize investments that 48 00:02:06,040 --> 00:02:09,200 Speaker 1: wouldn't stack up otherwise. Our advice was twenty percent is 49 00:02:09,280 --> 00:02:11,720 Speaker 1: the sweet spot. That's where you get the most value 50 00:02:11,760 --> 00:02:14,600 Speaker 1: for each dollar of tax revenue that you're losing. Go 51 00:02:14,680 --> 00:02:16,480 Speaker 1: higher than that and you're not getting quite as much 52 00:02:16,480 --> 00:02:18,680 Speaker 1: bang for back because. 53 00:02:18,480 --> 00:02:22,160 Speaker 2: Okay, so Trump himself did one hundred percent, Rishi Snack 54 00:02:22,160 --> 00:02:24,960 Speaker 2: did one hundred percent. The business community has called for 55 00:02:25,120 --> 00:02:28,080 Speaker 2: accelerated depreciation, which I totally take is not exactly the 56 00:02:28,080 --> 00:02:30,840 Speaker 2: same thing. But they want fifty percent. If all of 57 00:02:30,840 --> 00:02:32,639 Speaker 2: this is above what you're doing. If you find out 58 00:02:32,760 --> 00:02:35,000 Speaker 2: that twenty percent is not enough, will you rejig it. 59 00:02:35,280 --> 00:02:37,240 Speaker 1: Well, these are the same people I think you'll find here, 60 00:02:37,240 --> 00:02:39,639 Speaker 1: the who say get the books back and balance, and 61 00:02:39,800 --> 00:02:41,320 Speaker 1: that is what we have to do. We have to 62 00:02:41,360 --> 00:02:43,760 Speaker 1: get that balance between making sure there's a good tax 63 00:02:43,800 --> 00:02:46,760 Speaker 1: incentive there but also being prudent about the fact that 64 00:02:46,800 --> 00:02:50,200 Speaker 1: New Zealand has been in deficit since twenty nineteen. Debt 65 00:02:50,240 --> 00:02:52,920 Speaker 1: has blown out by an extra hundred billion dollars, So 66 00:02:52,960 --> 00:02:54,520 Speaker 1: I need to do all of this within it. 67 00:02:54,560 --> 00:02:56,720 Speaker 2: If you're doing little back percent. The point of the 68 00:02:56,760 --> 00:02:58,920 Speaker 2: twenty percent is to try to get people investing. If 69 00:02:58,919 --> 00:03:00,760 Speaker 2: it doesn't work, there's no point doing it. So would 70 00:03:00,760 --> 00:03:01,280 Speaker 2: you rejig it? 71 00:03:01,320 --> 00:03:03,440 Speaker 1: Well, the advice that I've received is that it will 72 00:03:03,520 --> 00:03:06,519 Speaker 1: get people investing, that it's enough to make a meaningful difference. 73 00:03:06,560 --> 00:03:08,000 Speaker 1: I mean, think about it. If you're a trading and 74 00:03:08,040 --> 00:03:10,000 Speaker 1: you go and buy a ute tomorrow, you've now got 75 00:03:10,000 --> 00:03:12,760 Speaker 1: a twenty percent deduction on the cost of that against 76 00:03:12,760 --> 00:03:15,360 Speaker 1: your text bill. You'll be paying less tax this year. 77 00:03:15,720 --> 00:03:16,440 Speaker 1: That's good news. 78 00:03:16,639 --> 00:03:19,720 Speaker 2: Okay, why not cut the government contributions to everyone's KEII 79 00:03:19,720 --> 00:03:21,960 Speaker 2: saber altogether because it's done its job, hasn't it? 80 00:03:22,000 --> 00:03:25,079 Speaker 1: Because our judgment was that on balance, that contribution is 81 00:03:25,200 --> 00:03:27,600 Speaker 1: enough to give some people the nudge into saving who 82 00:03:27,680 --> 00:03:30,040 Speaker 1: might not otherwise, and it keeps people in the scheme 83 00:03:30,120 --> 00:03:32,080 Speaker 1: even if they go through a period where they can't 84 00:03:32,120 --> 00:03:35,120 Speaker 1: afford to make their own contributions. Knowing that the government's 85 00:03:35,160 --> 00:03:36,880 Speaker 1: going to give them that extra cash. 86 00:03:36,920 --> 00:03:39,560 Speaker 2: Helps the moloyment. The employer's contribution. 87 00:03:39,720 --> 00:03:42,080 Speaker 1: Do that, yeah, But to get the employer contribution, of course, 88 00:03:42,120 --> 00:03:44,200 Speaker 1: you have to make your own contribution, and some people 89 00:03:44,280 --> 00:03:47,040 Speaker 1: will for a time withdrawal from the scheme or stop 90 00:03:47,080 --> 00:03:50,560 Speaker 1: their own contributions, but on balance they might keep going 91 00:03:50,560 --> 00:03:53,640 Speaker 1: if that subsidy is there. Look, basically, we thought that 92 00:03:53,680 --> 00:03:55,400 Speaker 1: if you keep it there at that level, there's still 93 00:03:55,400 --> 00:03:57,120 Speaker 1: a little nudge to keep people in, but it's a 94 00:03:57,200 --> 00:03:58,520 Speaker 1: much more affordable. 95 00:03:58,080 --> 00:04:00,000 Speaker 2: Scanning one hundred and seventy nine thousand dollars a year 96 00:04:00,040 --> 00:04:01,840 Speaker 2: doesn't need a government contribution, do they. 97 00:04:02,200 --> 00:04:04,280 Speaker 1: Well, we cut it off at one hundred and eighty. 98 00:04:04,280 --> 00:04:06,720 Speaker 1: If you're sending one hundred and eighty or more, you 99 00:04:06,720 --> 00:04:09,680 Speaker 1: will now not get that contribution at all, and everyone's 100 00:04:09,680 --> 00:04:12,080 Speaker 1: contribution is halved. We think it's about right. 101 00:04:12,200 --> 00:04:14,400 Speaker 2: Okay, now on the kids off the doll. You'll take 102 00:04:14,480 --> 00:04:16,280 Speaker 2: the teenagers off the doll, but you're going to do 103 00:04:16,320 --> 00:04:17,880 Speaker 2: a parental test. What's the test. 104 00:04:18,360 --> 00:04:21,440 Speaker 1: Well, we are still finalizing the details of the policy, 105 00:04:21,480 --> 00:04:24,599 Speaker 1: but the basic concept is that this is actually about 106 00:04:24,600 --> 00:04:27,360 Speaker 1: helping parents because I have met parents who say, look, 107 00:04:27,400 --> 00:04:29,280 Speaker 1: I've got a nineteen year old who spends all day 108 00:04:29,279 --> 00:04:33,120 Speaker 1: on the couch playing Keep It, playing PlayStation, and it's 109 00:04:33,160 --> 00:04:35,479 Speaker 1: pretty difficult because you the government send them a check 110 00:04:35,520 --> 00:04:39,560 Speaker 1: each fortnight. So we've got the same expectation most mums 111 00:04:39,600 --> 00:04:41,560 Speaker 1: and dads do, which as kids should be in training, 112 00:04:41,600 --> 00:04:44,400 Speaker 1: in an apprenticeship, or in work and if they're not, 113 00:04:44,640 --> 00:04:45,640 Speaker 1: they can't get the USA. 114 00:04:45,760 --> 00:04:47,520 Speaker 2: And it makes perfect sense. But how are you going 115 00:04:47,560 --> 00:04:48,960 Speaker 2: to test the parents? What is it? 116 00:04:48,760 --> 00:04:49,240 Speaker 1: Is it? 117 00:04:49,279 --> 00:04:50,400 Speaker 2: Well, it means is it income? 118 00:04:50,480 --> 00:04:52,560 Speaker 1: We except there will have to be some exceptions where 119 00:04:52,560 --> 00:04:55,080 Speaker 1: for whatever reason, there's been a family break down and 120 00:04:55,120 --> 00:04:57,560 Speaker 1: so it's not reasonable to expect that the parents are 121 00:04:57,560 --> 00:05:00,720 Speaker 1: in a position to support their teenager. But we are 122 00:05:00,760 --> 00:05:02,760 Speaker 1: going to work on the details of that and we're 123 00:05:02,760 --> 00:05:04,159 Speaker 1: looking forward to making more announcements. 124 00:05:04,200 --> 00:05:05,640 Speaker 2: But how are you going to income test? Is that 125 00:05:05,680 --> 00:05:06,240 Speaker 2: what it's about? 126 00:05:06,839 --> 00:05:10,080 Speaker 1: Well, that might be part of the test, but we 127 00:05:10,160 --> 00:05:12,680 Speaker 1: need to make sure it's tight enough that not everyone's 128 00:05:12,720 --> 00:05:15,960 Speaker 1: getting an exception because we genuinely want to get those 129 00:05:16,040 --> 00:05:17,919 Speaker 1: kids into work in training. We know that if you 130 00:05:18,000 --> 00:05:20,760 Speaker 1: start on a benefit at that age, on average, you're 131 00:05:20,800 --> 00:05:23,560 Speaker 1: going to spend more than fifteen years on a benefit, 132 00:05:23,640 --> 00:05:25,400 Speaker 1: So that is bad news for everyone. 133 00:05:25,960 --> 00:05:28,200 Speaker 2: So these kids, they manage to get the doll right, 134 00:05:28,240 --> 00:05:29,880 Speaker 2: so they don't get they're off the doll of the 135 00:05:29,920 --> 00:05:31,920 Speaker 2: single but if they get married or in a civil union, 136 00:05:32,080 --> 00:05:34,000 Speaker 2: or in a de facto relationship, they will continue to 137 00:05:34,000 --> 00:05:35,960 Speaker 2: get the dolls. They're just going to get the girlfriend around, 138 00:05:35,960 --> 00:05:36,360 Speaker 2: aren't they. 139 00:05:36,640 --> 00:05:38,480 Speaker 1: Well, I don't know. I don't think you'll find that 140 00:05:38,560 --> 00:05:40,839 Speaker 1: many of these young people will be jumping into marriage. 141 00:05:41,279 --> 00:05:43,000 Speaker 2: No, but they don't have to be very nicola. They 142 00:05:43,040 --> 00:05:44,800 Speaker 2: just have to be in a de facto relationship. 143 00:05:44,880 --> 00:05:47,080 Speaker 1: Well, look, all of these are the things that we're 144 00:05:47,080 --> 00:05:49,440 Speaker 1: going to test with the policy. We need to move 145 00:05:49,480 --> 00:05:51,480 Speaker 1: in with you absolutely right. Hither we need to make 146 00:05:51,480 --> 00:05:53,880 Speaker 1: sure that this policy sends very strong signals and that 147 00:05:53,920 --> 00:05:55,440 Speaker 1: we get the details right. And I've got faith in 148 00:05:55,520 --> 00:05:56,560 Speaker 1: Louise Upstince she'll do that. 149 00:05:56,600 --> 00:05:57,880 Speaker 2: Are you going to change the rules about the de 150 00:05:57,920 --> 00:05:58,800 Speaker 2: facto stuff. 151 00:05:58,560 --> 00:06:00,960 Speaker 1: Then, well, we're going to make sure that this policy 152 00:06:01,120 --> 00:06:04,480 Speaker 1: incentivizes teenagers to get into work or education, and we'll 153 00:06:04,480 --> 00:06:05,800 Speaker 1: do what we have to do with the roles to 154 00:06:05,960 --> 00:06:06,800 Speaker 1: ensure that's the case. 155 00:06:06,920 --> 00:06:09,520 Speaker 2: Okay, Now you have saved in this financial year five 156 00:06:09,560 --> 00:06:15,120 Speaker 2: billion dollars. Why not take that money and put it 157 00:06:15,160 --> 00:06:16,320 Speaker 2: towards the debt and pay down the. 158 00:06:16,240 --> 00:06:18,719 Speaker 1: Debt Because the price that every New Zealander would have 159 00:06:18,760 --> 00:06:24,560 Speaker 1: to pay for that is fewer health services, schools getting 160 00:06:25,160 --> 00:06:28,120 Speaker 1: cuts to their funding, and real terms, I wouldn't have 161 00:06:28,160 --> 00:06:31,400 Speaker 1: money to pay teachers more, the police wouldn't get the 162 00:06:31,440 --> 00:06:34,320 Speaker 1: resources that they need to keep our community safe, and 163 00:06:34,360 --> 00:06:38,159 Speaker 1: our defense force would continue its slide to becoming that 164 00:06:38,360 --> 00:06:42,000 Speaker 1: more sold to a back. So there are investments that 165 00:06:42,080 --> 00:06:44,000 Speaker 1: need to be made hither and we are funding them 166 00:06:44,000 --> 00:06:45,880 Speaker 1: from savings. That's the responsible way. 167 00:06:46,000 --> 00:06:49,679 Speaker 2: Have you cut the final year free tertiary education yet? 168 00:06:50,440 --> 00:06:53,240 Speaker 1: No? We have? Why not because we had a coalition 169 00:06:53,279 --> 00:06:56,359 Speaker 1: commitment between the three parties that we would keep it 170 00:06:56,360 --> 00:06:57,120 Speaker 1: for the final year. 171 00:06:57,120 --> 00:06:58,720 Speaker 2: Who wants it? Well? 172 00:06:58,720 --> 00:07:00,520 Speaker 1: I think New Zealand first were pretty keen on it 173 00:07:00,600 --> 00:07:03,840 Speaker 1: staying there. And look, it's a much narrower policy than 174 00:07:03,880 --> 00:07:05,960 Speaker 1: it was here. It used to be that everyone was 175 00:07:06,000 --> 00:07:07,200 Speaker 1: getting a free first year. 176 00:07:07,080 --> 00:07:09,040 Speaker 2: To have a plus. It's a waste of money now now. 177 00:07:09,000 --> 00:07:10,560 Speaker 1: Only get it if you get all the way to 178 00:07:10,600 --> 00:07:12,440 Speaker 1: the end of your degree. You've finished your degree and 179 00:07:12,440 --> 00:07:13,360 Speaker 1: you get that final. 180 00:07:13,360 --> 00:07:15,240 Speaker 2: So you could have saved that money. You could have 181 00:07:15,280 --> 00:07:17,160 Speaker 2: put that towards something else like paying the debt and 182 00:07:17,200 --> 00:07:18,960 Speaker 2: paying down the debt. You could have not done the 183 00:07:18,960 --> 00:07:20,880 Speaker 2: tweaks to the working for families. It's a bunch of 184 00:07:20,920 --> 00:07:21,600 Speaker 2: stuff you could have done. 185 00:07:21,720 --> 00:07:24,400 Speaker 1: I'm really proud. Actually last budget we delivered twenty three 186 00:07:24,400 --> 00:07:27,280 Speaker 1: billion dollars worth of savings. This budget twenty one billion 187 00:07:27,320 --> 00:07:28,160 Speaker 1: dollars worth of savings. 188 00:07:28,280 --> 00:07:29,120 Speaker 2: Our budget at all. 189 00:07:29,280 --> 00:07:32,200 Speaker 1: But our budget is being funded from savings, whereas we 190 00:07:32,240 --> 00:07:35,360 Speaker 1: had a government over the past six years. In twenty 191 00:07:35,400 --> 00:07:37,640 Speaker 1: twenty two spent more than nine billion dollars. 192 00:07:37,680 --> 00:07:39,840 Speaker 2: Do you worry about reminding us how crappy they is? 193 00:07:40,040 --> 00:07:43,080 Speaker 1: So we are really bringing things much tighter and what 194 00:07:43,120 --> 00:07:45,040 Speaker 1: we're showing in our boxes that we're going to get 195 00:07:45,040 --> 00:07:47,120 Speaker 1: them back in balance. We're going to be bringing spending 196 00:07:47,320 --> 00:07:49,720 Speaker 1: government spending down as a proportion of the economy. We're 197 00:07:49,720 --> 00:07:50,840 Speaker 1: going to be bending that debt. 198 00:07:50,880 --> 00:07:53,440 Speaker 2: But you are not bringing down government spending. You continue 199 00:07:53,440 --> 00:07:55,760 Speaker 2: to spend. In every single day that you continue to spend, 200 00:07:55,800 --> 00:07:57,400 Speaker 2: you are adding to our national debt. 201 00:07:57,440 --> 00:07:59,440 Speaker 1: But we're putting dollars in the right places because there 202 00:07:59,440 --> 00:08:01,320 Speaker 1: are some vis months that if we make them today, 203 00:08:01,360 --> 00:08:03,360 Speaker 1: are going to make us more productive tomorrow. I take 204 00:08:03,400 --> 00:08:06,640 Speaker 1: the education system as an example. If kids are achieving 205 00:08:06,640 --> 00:08:08,520 Speaker 1: more at school, they are going to be better workers. 206 00:08:08,600 --> 00:08:10,560 Speaker 1: I look at the health service. If we don't have 207 00:08:10,600 --> 00:08:13,560 Speaker 1: good health services for people. Then that's actually a real 208 00:08:13,680 --> 00:08:16,320 Speaker 1: push push factor that is going to be a problem 209 00:08:16,320 --> 00:08:19,440 Speaker 1: for many New Zealanders. So always striking that balance. How 210 00:08:19,480 --> 00:08:21,640 Speaker 1: can we make sure we're funding the public services that 211 00:08:21,680 --> 00:08:23,920 Speaker 1: are needed, but we're also keeping the books in order. 212 00:08:23,960 --> 00:08:26,840 Speaker 1: Of course, the alternative, Heather, there is an alternative. That's 213 00:08:26,880 --> 00:08:29,960 Speaker 1: my friend, mister Hipkins. He thinks what we should do 214 00:08:30,600 --> 00:08:33,040 Speaker 1: is get rid of all ideas that there is a 215 00:08:33,080 --> 00:08:36,680 Speaker 1: limit to debt and we should just borrow, borrow, borrow, tax, tax, tax, 216 00:08:36,960 --> 00:08:39,840 Speaker 1: and that'll mean everything's okay and it's rainbows and uniforms. Well, 217 00:08:39,880 --> 00:08:41,360 Speaker 1: we're rejected that approach. 218 00:08:41,080 --> 00:08:43,479 Speaker 2: That's for sure. Luxon has labeled in mister Bojangles. 219 00:08:43,600 --> 00:08:46,920 Speaker 1: He has indeed labeled because he's a flip flopper. He 220 00:08:47,120 --> 00:08:49,160 Speaker 1: just goes from one foot to the next. You know, 221 00:08:49,280 --> 00:08:52,240 Speaker 1: one day he's all raging, wanting to bring back the 222 00:08:52,280 --> 00:08:54,400 Speaker 1: old paquity regime. The next day he's not so sure 223 00:08:54,440 --> 00:08:57,560 Speaker 1: and maybe he needs to change. One day he's saying 224 00:08:57,600 --> 00:09:00,400 Speaker 1: that Barbara Edmonds is a great finance spokesperson, the days 225 00:09:00,440 --> 00:09:02,280 Speaker 1: throwing her under the bus and saying that we shouldn't 226 00:09:02,280 --> 00:09:04,640 Speaker 1: listen to her when she talks about deep fiscal plans 227 00:09:04,679 --> 00:09:05,240 Speaker 1: or anything, and. 228 00:09:05,240 --> 00:09:07,880 Speaker 2: We're here to talk about you today. Thank you. I 229 00:09:07,960 --> 00:09:09,640 Speaker 2: appreciate it very much. Thank you for your time, and 230 00:09:09,640 --> 00:09:10,280 Speaker 2: thanks for coming. 231 00:09:10,160 --> 00:09:10,960 Speaker 1: In great to be on the show. 232 00:09:10,960 --> 00:09:13,920 Speaker 2: Here they thank Alliverlas, the Finance Minister. For more from 233 00:09:14,000 --> 00:09:17,240 Speaker 2: Hither Duplessy Allen Drive. Listen live to news talks. It'd 234 00:09:17,280 --> 00:09:21,319 Speaker 2: be from four pm weekdays, or follow the podcast on iHeartRadio.