Speaker 1: Do you want to be in a Man County?
Speaker 2: All right, here we go at this Bengals Hangover Monday
Speaker 2: on seven hundred WLW.
Speaker 1: Awful, right, awful.
Speaker 2: There's the old adage about, hey, you get enough crumbs,
Speaker 2: you make a loaf, and that's true a lot of things,
Speaker 2: especially money, enough crumbs you make a loaf. So Hamlin
Speaker 2: County is considering a one mill increase in the real
Speaker 2: estate transfer text the hold on second, I have no
Speaker 2: idea what this means. So a millage basically is a
Speaker 2: dollar for every thousand dollars that your purchase price is.
Speaker 2: So you know, you buy three hundred thousand dollars house
Speaker 2: every thousand dollars. Do the math, and that's paid by
Speaker 2: the subtle closing. So you already have a transfer tax
Speaker 2: in Warren County, Butler Count's about three dollars per thousand.
Speaker 2: In Clare Mountain, Hamlin County it's four dollars per thousand,
Speaker 2: and now Hamlin County wants to add another buck to that.
Speaker 2: Joining the show this morning on seven hundred WLW is
Speaker 2: Commissioner Elesa Reese Hope, trust you ad a good weekend?
Speaker 1: Alicia? How are you?
Speaker 3: I'm doing good but not good about this proposal. It's
Speaker 3: been a rough a rough month, a rough year. You know,
Speaker 3: I was young the last time I was on. We
Speaker 3: were talking about the affordability, the snap benefits, and I've
Speaker 3: been out there, you know, trying to help people. Of course,
Speaker 3: the government's opening back up, but they didn't cash at
Speaker 3: us the money. You know, we don't have it right now.
Speaker 3: We're still operating, you know, on a skeleton. And so
Speaker 3: we've got the five one to three relief bus out there.
Speaker 4: I've been out there.
Speaker 3: We've we've we've had the bus and cleeves. We're getting ready.
Speaker 3: We've been in Mount Healthy, We're going to we're getting
Speaker 3: ready to go to a new Hope and Avendale this
Speaker 3: week in Bethel and Wanner Hills food deserts. But I've
Speaker 3: been seeing and talking to people, you know, just middle
Speaker 3: class family's, even veterans who've been there. And while we're
Speaker 3: helping them with food, at the same time, they're still saying, hey,
Speaker 3: you know, there's still affordability because everything is going up
Speaker 3: and it's just making it harder and harder to afford anything.
Speaker 3: And so now we're getting ready to do the county
Speaker 3: budget and we get the proposed budget from the administrator.
Speaker 4: That's how it goes. He gives us his budget and.
Speaker 3: Then we've got to go in and look at it.
Speaker 3: And the thing that stuck out to me, I'm looking
Speaker 3: at the budget because I'm trying to figure out how
Speaker 3: can we make it affordable for folks who are out
Speaker 3: here struggling in Hamilton County. You know, the homeowners and
Speaker 3: you know me, I'm trying to help grandma and grandpa
Speaker 3: hold onto their house too. When we talk about we
Speaker 3: say we want to have affordable housing. Affordable housing is
Speaker 3: not just new housing. It's helping people hold on to
Speaker 3: the house they already have. And as you know on
Speaker 3: this show, I've been with you. We've been fighting on
Speaker 3: these property taxes. And while you know, the state has
Speaker 3: you know, the ultimate power, they've got to come up
Speaker 3: with a better formula, and how they fund public education
Speaker 3: can't be on the backs of property taxes. But at
Speaker 3: the same same time, the county has some things that
Speaker 3: they can do, and I wanted to look everything we've doing.
Speaker 3: One of those things was the thirty percent they promised.
Speaker 3: The voters went out voted for two stadiums. Is the
Speaker 3: only time the voters got to vote on this, and
Speaker 3: they voted and they were told that they would get
Speaker 3: thirty percent property texts rollbacks for the county's portion. And
Speaker 3: since I've been there, this is my fifth year, my
Speaker 3: only my second term, I've been able to get it done,
Speaker 3: you know, a couple times, but every year we got
Speaker 3: a fight for it. And then this new Bingle deal. Yeah,
Speaker 3: this new Bengal deal. You know, three hundred million dollars
Speaker 3: guarantee to the Bengals, but in there, there's no guarantee
Speaker 3: to the homeowners, as I was telling you, And in
Speaker 3: this budget, the administrator only recommends for about four point
Speaker 3: five percent rollback. Now we went from thirty to now
Speaker 3: he's recommending single digits for the peace people. And then
Speaker 3: on top of that, if you try to sell your house,
Speaker 3: then they want to add add another tax to the
Speaker 3: clothing toss. So you know, this is just the craziest thing.
Speaker 3: And then we talk about taking a million that would
Speaker 3: be generated from this extra dollar per thousand, which is
Speaker 3: you know, that's a lot of money. That's not a
Speaker 3: small chunk, and we already had four. Now we're going
Speaker 3: to go to five. And that extra he said, put
Speaker 3: toward CDF. Who does affordable housing. We did sixty million
Speaker 3: dollars toward affordable housing when we had the American Rescue money.
Speaker 3: That was a one time thing, and we've been doing
Speaker 3: a lot of good things with housing. We just broke
Speaker 3: your ground on one of my major initiatives with also
Speaker 3: having housing for people with disabilities. We broke ground just
Speaker 3: last week at Coloring Township, which I'm happy about with
Speaker 3: lad who where we're gonna have smart homes, but we
Speaker 3: want to make sure that again affordability is also new homes,
Speaker 3: which we've supported, but now we've got to make sure
Speaker 3: also that the people who already have a home able
Speaker 3: to keep their home. And I saw the Inquire doing
Speaker 3: a series, and I know some of these faces of
Speaker 3: men who own their homes. One of them is in Madisonville.
Speaker 3: Worked pages dues, he retired, and now he's going to
Speaker 3: lose his home because the property tax is about to
Speaker 3: make him lose his home. Being Yeah, it's horrible, isn't it.
Speaker 3: So we have to be mindful as we're going into
Speaker 3: this budget. We can't be robbing Peter to pay Paul,
Speaker 3: robing the homeowners.
Speaker 4: Yeah, let me.
Speaker 1: Shut this up.
Speaker 2: Alicia Race Hamilin County can let this up because at
Speaker 2: the intro I said, you know you already have you
Speaker 2: already have property tax valuation in skyrocket. He mentioned the
Speaker 2: rollback got it this year. Who knows it's going happened
Speaker 2: next year? Probably not, we'll see. H but Warren County,
Speaker 2: Baller County about three dollars per thousand dollars worth of house.
Speaker 2: So three hundred dollars three in a thousand dollars house. Right,
Speaker 2: that's how millage work, called millage Claremont County and Hamlin County,
Speaker 2: not four. Y'all want to add another buck, so it'd
Speaker 2: be five. Would be the highest tax around in the
Speaker 2: Tri state. And so that three hundred thousand dollars home
Speaker 2: will cost about fifteen hundred dollars at closing. Same house
Speaker 2: in Warner Butler County is nine hundred dollars on top
Speaker 2: of the property taxes as we've been talking about here.
Speaker 2: So what am I getting in Hamlin County that would
Speaker 2: cost me two thirds more in taxes?
Speaker 3: Well? I think you raised a great question. I mean
Speaker 3: that is a great question. And when this came out,
Speaker 3: I've been getting calls from people saying, well, wait a minute,
Speaker 3: you know, how how is this affordable because some people
Speaker 3: will sell their homes trying to you know, some of
Speaker 3: them sell homes trying to make the ends meet. And
Speaker 3: now we're talking about it's going to be hier to sell.
Speaker 3: But we can't be the champion in Hamilton County that
Speaker 3: everything is higher. We can't be the county whereas it's
Speaker 3: hard to live here. It's hard to sell a house,
Speaker 3: it's hard to you know, to be able to live.
Speaker 3: And again, we can't have you know, I was telling
Speaker 3: the administrator and and and open forum, we have to
Speaker 3: have the theme. We can't have the theme that we're
Speaker 3: broke when it's time for the homeowners and the taxpayers
Speaker 3: and let's just keep putting extra burden on them. And
Speaker 3: then in the same meeting, we'll have a big idea
Speaker 3: come in and we say, oh my god, we can
Speaker 3: find the money. We can find this. And I told him,
Speaker 3: I said, let's think a lot more creative, but we
Speaker 3: can't keep taxing the homeowners. And then on the other hand,
Speaker 3: I said, well, let's give the home owner thirty percent break.
Speaker 3: Oh no, we can't afford that. Oh no, we can't
Speaker 3: give them a break. We can't give them a break
Speaker 3: at all.
Speaker 1: And so let you have money to do the stadium.
Speaker 2: And I think the way this team is this year,
Speaker 2: that's just bad optics.
Speaker 3: Well, yeah, we're giving them guaranteed, which you say, three
Speaker 3: hundred million guaranteed. And when you look at some of
Speaker 3: these other deals, I'm starting to see you see Denver,
Speaker 3: you see some of these other the trend is not
Speaker 3: the trend we have. The trend of these NFL stadiums.
Speaker 3: The owners are putting in a lot more money because
Speaker 3: they know that the taxpayers are not putting up with it.
Speaker 4: You see it.
Speaker 3: You saw that in Kansas City. They put it they
Speaker 3: want to do, they put it on the ballot and
Speaker 3: the people said, we'll give you a parade, but we're
Speaker 3: not going to tax We're not going to increase our taxes.
Speaker 3: We'll give you a parade, though, And so if you
Speaker 3: look at Denver, you look at all these other teams
Speaker 3: when they're doing these new deals, they're including the taxpayers
Speaker 3: that they're in terms of a break for the taxpayers,
Speaker 3: they're putting up their private You look at you know,
Speaker 3: some of these other teams, and you look at us,
Speaker 3: and we're still stuck in the old way where the
Speaker 3: taxpayers are on the hook bear the brunt, and we
Speaker 3: don't even have to guarantee. They don't even have to
Speaker 3: guarantee a winning product. So three hundred million guaranteed in
Speaker 3: the budget, and the administrator will say we have to
Speaker 3: do that. And then when I said, well what about
Speaker 3: the homeowns, well no we can't. We're only gonna do
Speaker 3: four percent when we were we were supposed to get
Speaker 3: thirty percent. And then they say, well, that's not fiscally
Speaker 3: uh you know, responsible. But I said, well, why is
Speaker 3: it not fistically responsible for the homeowners to get a break?
Speaker 3: I mean, we are in affordability fight right now, and Sloan,
Speaker 3: like you said, all these things come together. It's not
Speaker 3: like a one thing. Now you're talking about if a
Speaker 3: Selma house, I got to pay more more than like
Speaker 3: you said, other.
Speaker 2: Counting countries, right, and it's people go around three hundred
Speaker 2: thousand dollars house. Not okay, it's a but again, enough
Speaker 2: crumbs you make a loaf. And I get we're Jeff
Speaker 2: Aluto County administrators. He's that's a difficult budget to balance.
Speaker 1: For sure.
Speaker 2: You got a budget that's going to be about three
Speaker 2: point three percent from this past year, just north of
Speaker 2: four hundred million dollars is the number. And you know,
Speaker 2: when you have expenditures growing just the rate of inflation
Speaker 2: and the growth and revenue is not there. You got
Speaker 2: to look at getting other income sources in there too,
Speaker 2: because you have it's mandated you balance a budget. So
Speaker 2: in your world, Alisha Rees said, what do you do?
Speaker 2: How do you balance a budget and get the same
Speaker 2: time without sticking to the taxpayers?
Speaker 3: Yeah? Well, I think number one, you look at all funds.
Speaker 3: You don't look at each deal as a separate deal.
Speaker 3: And that's what we've been doing. We should have been
Speaker 3: saying that when we had the Bengals deal, we need
Speaker 3: to look at everything and say, well wait a minute,
Speaker 3: if we do this, it's going to hurt over here.
Speaker 3: We need to be looking at all things. But we
Speaker 3: don't do that. We look at a big deal comes
Speaker 3: in and we find money, and then we come back
Speaker 3: and now say, oh we can't balance the budget. Now
Speaker 3: we won't be able to. I think you start off
Speaker 3: with who you know, who are we supposed to be representing?
Speaker 3: Who are our shareholders? And you go and say, okay,
Speaker 3: our shareholders are taxpayers of Hamilton County. So we got
Speaker 3: the number one, keep that first and foremost in the forefront,
Speaker 3: and as you saw in that article, they'll be taken
Speaker 3: right If the person can't afford it, they're going to
Speaker 3: take that home, say maybe a port authority for example.
Speaker 3: But when they take the home, they don't have to
Speaker 3: maybe pay the clothes and costs because they're gonna they
Speaker 3: don't have to pay the taxes. They're gonna put it
Speaker 3: in a land bank. So the homeowner, the gentleman that
Speaker 3: owns the house, he had to pay taxes, but now
Speaker 3: we're gonna take his same house and put it in
Speaker 3: a land bank for a couple of years and there's
Speaker 3: no tax getting collected on it. So that's another thing.
Speaker 3: The other thing, I have an idea. It's time for
Speaker 3: us to look at everything creatively. I've asked jeff A Luto,
Speaker 3: because when we get the budget, you know, we just
Speaker 3: get these you know, buckets in high level. That's great,
Speaker 3: but where I come from, we gotta have line items.
Speaker 3: And I told him, I said, I need to know
Speaker 3: every account that the county has and what's inch because
Speaker 3: what happens is maybe we can think of something more creative.
Speaker 3: The last thing I'll tell you that I am proposing
Speaker 3: that we look at is the liquor license. Now at
Speaker 3: the state, we can't come and just add a tax
Speaker 3: to the liquor license. But what we could possibly do,
Speaker 3: For example, that site where the Millennium was, and they're
Speaker 3: gonna make that ice skating of you know, free entertainment
Speaker 3: and all that, we don't get any money off of it.
Speaker 3: I said, why don't we get the liquor license as
Speaker 3: a county, which we can do, and then we sub
Speaker 3: lease it and people do this all the time, and
Speaker 3: then that can bring in additional revenues, not just at
Speaker 3: that site, but look at other things that we own,
Speaker 3: and let's come in through that. We've got to instead
Speaker 3: of taxing the homeowner, we could come in with those
Speaker 3: kind of things. We spent fifty something million dollars to
Speaker 3: buy it before I got there, and we're not making
Speaker 3: one dime off of it. It was just an open space.
Speaker 3: So that's one of the ideas. I said, we got
Speaker 3: to think creatively. Don't tell me what will you bring something.
Speaker 3: Don't bring it to me and say, oh, we've just
Speaker 3: never done it. First of all, let's see can we
Speaker 3: do it. We've got to do We're in some desperate times,
Speaker 3: and we need to be thinking a lot more creatives
Speaker 3: and not just giving away the house on all these
Speaker 3: different deals, because if you look at it, some of
Speaker 3: the new housing that comes in there's a tax abatement,
Speaker 3: but the person that's been there twenty years, they get
Speaker 3: a tax increase and they're getting ready to do another reevaluation,
Speaker 3: and they said taxes, probably taxes are going to go
Speaker 3: through the roof. So I'm saying, all hands on.
Speaker 1: It, oky good.
Speaker 2: It's not good to get more people or people who
Speaker 2: would sell normally move and get new blood in there.
Speaker 1: That's not happening.
Speaker 2: But relative to this, and by increasing the millage to
Speaker 2: five dollars per thousand, Hamlin County making by far the
Speaker 2: most expensive in our region. You mentioned affordable housing, but
Speaker 2: only like a million dollars of the almost five million
Speaker 2: dollars generated goes to affordable housing. So is that just
Speaker 2: the way to sell us and go, hey, we're trying
Speaker 2: to help. I mean, a million dollars is not all
Speaker 2: that much money when you consider how big this budget is.
Speaker 3: No, it's not much money. And I think that maybe
Speaker 3: it sounds good, but we got to read through the
Speaker 3: fab front. You can't Rob Peter to pay Paul No,
Speaker 3: you know, make it unaffordable. Some people are forced to sell,
Speaker 3: or some people are selling because this is an asset.
Speaker 3: They got to sell it because they got to downsize.
Speaker 3: Some people say, hey, I got I got a downsize
Speaker 3: so I can afford to live. And now you're going
Speaker 3: to make it even tougher for the person to even
Speaker 3: downsized and be able to sell the house because the
Speaker 3: market will say, well, I'll go somewhere else and buy.
Speaker 3: The bottom line is we just can't keep adding to
Speaker 3: the consumers. You know, we're talking buyer consumer. We're adding there.
Speaker 3: And again a million dollars is not going to not
Speaker 3: going to get us. We put sixty million dollars and
Speaker 3: it's a one time. I mean some stuff we did
Speaker 3: was the one time, and we did sixty million. We
Speaker 3: did it with CDs. They were able to stretch as
Speaker 3: much as possible. But you can't make it affordable on
Speaker 3: one hand and then on the other hand make it unaffordable.
Speaker 3: And at the end of the day, a lot of
Speaker 3: people they negotiate closing costs when they get ready to
Speaker 3: sign the deals. They try to negotiate somewhere can I
Speaker 3: can negotiate. What can I do? Uh, And so on one
Speaker 3: hand we're saying we want more affordable, but on the
Speaker 3: other hand, we're always adding and they always say, always
Speaker 3: just one dollar, always just two dollars, you know, and
Speaker 3: then when you add it up like a second, you
Speaker 3: know it's going up. You know. I tell people all
Speaker 3: the time, they say, oh, they're only going to get
Speaker 3: two hundred dollars. That's two hundred dollars. It's some medicine
Speaker 3: somebody can get, or two hundred dollars worth of grocery
Speaker 3: somebody can get, right, and so all these things. Sloan,
Speaker 3: I'm fighting it, but keep your eyes open. So closing
Speaker 3: costs they want to go up. Uh, property tax rollback
Speaker 3: we're going from a thirty percent now down to only
Speaker 3: four point five percent roll back. And then MSD in
Speaker 3: the budget they're going with an increase of that for
Speaker 3: four percent.
Speaker 2: It doesn't make it attractive to want to, you know,
Speaker 2: do business or of her work in Cincinnati, but in
Speaker 2: particular in Hamlin County. She's Commissioner Alisha Reese all over
Speaker 2: this one. I know it's kind of a minor point.
Speaker 2: It's kind of a little bit of real estate wonkiness
Speaker 2: going on here when you talk about these tax transfer taxes.
Speaker 2: But uh, you know, again, as we've been saying, enough
Speaker 2: crumbs make a loaf. All the basketball chat again soon
Speaker 2: be well.
Speaker 3: Okay, all adds up, Sloan. And at the end of
Speaker 3: the day, the consumer, the taxpayer, is the one is
Speaker 3: getting all these bills and everything's going up. So thank
Speaker 3: you for having me on. And keep your eyes. We
Speaker 3: got to keep your eyes on this before the bull
Speaker 3: comes to people or before they try to close on
Speaker 3: a house.
Speaker 2: You're a fiscal pit bull. Reese, You're a fiscal pit bull.
Speaker 2: All right, take care of there you go. We got
Speaker 2: news on the way, pitbull. We need a pit bull
Speaker 2: in there. Just I think the thing that rubs you
Speaker 2: to in Hamlin County is effect. And you look at
Speaker 2: the what we did for the Bengals and how bad
Speaker 2: that product is and refuse to change. And then the
Speaker 2: news is hey bye, by the way, uh, you're gonna
Speaker 2: have to pay more when you want to sell your house.
Speaker 2: So we got that going on, which is terrible. Sloany
Speaker 2: here seven hundred ww we.
Speaker 5: Built this city, We built this city. This we built
Speaker 5: this city.
Speaker 1: Forty years ago.
Speaker 2: Today this song by Starship number one of the Billboard
Speaker 2: Hot one hundred music charts and has since been voted
Speaker 2: and it has a distinction of the worst song ever.
Speaker 1: Oxact.
Speaker 2: I think Billboard said worst song ever, you'd be the judge.
Speaker 2: Forty years ago. This song was interesting because this band,
Speaker 2: it's fund like said ken Brew. Here by the way,
Speaker 2: still ken Brew's act. This band, though, it embodied like
Speaker 2: the progressive San Francisco Go Height Ashbury sixties progressive.
Speaker 1: Movement, right the hippie movement, and a couple.
Speaker 2: Decades later, after it become Jefferson Air Plet became Jefferson
Speaker 2: Starship and then just Starship. They turned this thing out
Speaker 2: and the far cry from where they're where they began
Speaker 2: just straight up pop. Some people say pop crap. I
Speaker 2: don't know that. The people I know that actually like
Speaker 2: the song, don't mind the song. But forty years ago,
Speaker 2: worst song ever was recorded by Starship. Worst team ever
Speaker 2: looking like the Cincinnati Bengals right now, the worst defense
Speaker 2: of all time certainly on pace for that, although yesterday
Speaker 2: that was not what held them. It's the fact that
Speaker 2: you're coming off of bye week, you have one focus
Speaker 2: and has beat the Steelers and the Steelers defense I
Speaker 2: think twenty seven eight twenty at right around there. Certainly
Speaker 2: not as bad as the Bengals, but I mean, you know,
Speaker 2: there's two teams still pretty bad. And then for the
Speaker 2: second half crunch time, you get their backup quarterback in
Speaker 2: Mason Rudolph, who was terrible the first time there left,
Speaker 2: came back as the backup and looked like the second
Speaker 2: coming of Ben Roethlisberger. Uh it just you lose by
Speaker 2: three touchdowns. Who is that on? And that is magnified
Speaker 2: by the fact, of course Jamar Chase is now looking
Speaker 2: at a suspension. When we left the game yesterday, we thought, okay,
Speaker 2: Jalen Ramsey's going to get a suspension for punching, and
Speaker 2: then we saw the video later on somebody did some
Speaker 2: focusing and heading it saw that it was Jamar Chase
Speaker 2: that clearly spit on Jalen Ramsey, which caused him to
Speaker 2: then punch Jamar Chase, which makes sense. That's a punchable offense.
Speaker 2: I don't know what guys was spitting in the NFL
Speaker 2: this year, but here we go, and now Chase is
Speaker 2: looking at least a game suspension, and with New England
Speaker 2: in a town on Sunday. So can you beat the
Speaker 2: New England Patriots with Jamar Chase? Probably not without him,
Speaker 2: definitely not. And it wasn't really a factor yesterday. So
Speaker 2: the frustration, the spinning and everything else. They had what
Speaker 2: three catches for thirty yards yesterday after he had sixteen
Speaker 2: the first time they met. And you look at this
Speaker 2: the what's ailed the defense has now transferred over to
Speaker 2: the offense to some degree. Joe Flacco looked like, well,
Speaker 2: Joe Flacco backup quarterback after that first week, and we thought, wow,
Speaker 2: man high flying Joe Flacco.
Speaker 1: Man not so much.
Speaker 2: And you know, you learn how to other teams watch film,
Speaker 2: they learn how to game plan against this guy, and
Speaker 2: this is what you get. So in that regard, you
Speaker 2: just wonder if this whole thing is collapsing in on itself.
Speaker 2: Joe Burrow aside, and now at this point, with them
Speaker 2: being three and seven, does it make any sense? What's
Speaker 2: however to bring him back anytime in the season. And
Speaker 2: who would be the one to tell Joe Burrow, guess
Speaker 2: what you're the future year, we still have a window.
Speaker 2: Offense is still fairly solid despite we're seeing here. We
Speaker 2: got to rework the defense, get some help. It's going
Speaker 2: to be a project. Be patient. But we built this
Speaker 2: whole thing around you. Does it make sense to thrust
Speaker 2: this guy in a losing situation. We're in a chance.
Speaker 2: You could reregorate the turf tost something else could happen.
Speaker 2: You could wind up screwing your offseason regiment up getting
Speaker 2: ready for twenty twenty six. Because twenty twenty five is over.
Speaker 2: You'd have to win what six or last seven to
Speaker 2: get to nine, and that's what it's gonna take. The
Speaker 2: win the division, probably get the playoffs, and you've got
Speaker 2: New England at home, You've got two games more against
Speaker 2: Baltimore with Lamar Beck, and you've got Buffalo and Miami
Speaker 2: down the stretch. That's man, that's not gonna It's not
Speaker 2: gonna happen.
Speaker 1: It is over.
Speaker 2: And so bringing Joe Burrow back right now it doesn't
Speaker 2: make any sense whatsoever. I know that while the fans
Speaker 2: wont and Joe Burrow wants to it, at some point
Speaker 2: there's gonna be some leadership, and that is the I
Speaker 2: think that's inpe in On Zach Taynlor. Is he the
Speaker 2: guy that's gonna be able to tell Joe Burrow no,
Speaker 2: And to a degree. Also, it's Duke Tobin because it's
Speaker 2: just incapable of getting anyone on defense it can perform.
Speaker 2: At some point, you've got to change the regime here.
Speaker 2: And you know, if you don't do it after you
Speaker 2: lose to your division foe in the Pittsburgh Steels, do
Speaker 2: you do it after the New England loss, because that's
Speaker 2: going to happen. I don't see how New England. I mean,
Speaker 2: they're kind of due, but is this a team to
Speaker 2: knock off New England? I don't think so. You can
Speaker 2: feel good about Baltimore. Buffalo seems like a coin toss,
Speaker 2: and Miami is also a coin toss. But by then
Speaker 2: it may be over. If it's not over today, we'll
Speaker 2: talk to James Repeen later, like eleven thirty five on
Speaker 2: this on seven hundred WLW. It just feels like, yeah,
Speaker 2: you watch this and go, my god, you just find
Speaker 2: new ways to lose.
Speaker 4: You know.
Speaker 1: Was the the defense played?
Speaker 2: Okay, say, maybe like Gino Stone and some other guys
Speaker 2: are terrible, but they hung in there for most of
Speaker 2: the game first half of the game, and of Mason
Speaker 2: Rover comes in and now the offense gives up fourteen
Speaker 2: points the offense gave up fourteen.
Speaker 1: It's insane. I'm banking on the some.
Speaker 2: Sort of special teams collapse next week and you know,
Speaker 2: three fumbles on kickoffs or something like that. Who knows,
Speaker 2: we'll come up with We'll come up with new schemes
Speaker 2: to lose here in Cincinnati, Ohio.
Speaker 1: How the stuff going on? Do you agree with this?
Speaker 2: Michelle Obama believes that Americans are not ready to elect
Speaker 2: a female to the White House, and that, in her opinion,
Speaker 2: is evidenced by Kamala Harris's loss in the twenty twenty
Speaker 2: four presidential election. She's pushing another book of the books
Speaker 2: she has. She's got to lead the I think the
Speaker 2: all time first lady team in books. Published one of
Speaker 2: her books you can crank out, But none of saying
Speaker 2: you're not ready for a woman.
Speaker 1: You're not.
Speaker 2: And this is the same thing what happened when Hillary
Speaker 2: could win. It is the fact she's a woman, or
Speaker 2: is the fact that you're just a flawed candidate. Now,
Speaker 2: some people may say the left rood's, oh yeah, we
Speaker 2: turn around elected Trump. Well, it's kind of the devil
Speaker 2: you know versus the devil you don't know. I don't
Speaker 2: think anyone really felt confident, especially in the eleventh hour
Speaker 2: that Kamala Harris and based on what she said in
Speaker 2: her performance that she just seemed like she was empty,
Speaker 2: like an empty suit, And so people voted ay that
Speaker 2: somehow it's every time a female loses, it's got to
Speaker 2: be sexism, much like someone of color loses, it's got
Speaker 2: to be racism, or it could just be they just
Speaker 2: people don't agree with their policies. Like it's not like
Speaker 2: the Democrats are sitting in the world on fire right now.
Speaker 2: That's a party that is completely out of control, like
Speaker 2: a leadership. I mean, Chuck Schumer is on the hot seat,
Speaker 2: if not on the way out at this point, he
Speaker 2: may be gone before Zach Taylor, by the way.
Speaker 1: So yeah, the.
Speaker 2: Idea that it's not like we don't have female governors
Speaker 2: and other females and leadership positions around, Like if that
Speaker 2: were true, then you wouldn't have female governors and at
Speaker 2: some point will it lacked a female president. We will,
Speaker 2: But you know you can't just simply so what you're
Speaker 2: saying is, you know, if you want to stamp out sexism,
Speaker 2: the way to do that is to vote for someone
Speaker 2: because of their gender. Skin color. That's the exactly opposite
Speaker 2: of why I should vote for one. I don't get it.
Speaker 2: We're seeing a number of young women now expressing it
Speaker 2: as especially young women, to move out of the United
Speaker 2: States because of this. Over the last two decades, in
Speaker 2: the fifteen to forty four year old age group, forty
Speaker 2: percent of women expressed a desire to immigrate. That's four
Speaker 2: times higher than it was ten years ago. Nineteen percent
Speaker 2: of men in the same group expressed a desire to
Speaker 2: move top countries Canada, New Zealand, Italy, and Japan. The
Speaker 2: fascination in Italy is incredible to me. Just love the
Speaker 2: talking one of these people going, okay, so what is
Speaker 2: it about Italy? Well, yeah they have if you think
Speaker 2: the nepotism or nepotism, but also the sexism and racism
Speaker 2: is worse here, pretty bad in Italy. I was talking
Speaker 2: to someone who friends of theirs had moved to Spain
Speaker 2: their expats. So they moved to Spain two months ago,
Speaker 2: and Okay, we got to get out of here. This
Speaker 2: climate is too much, The political climate is terrible. Trump's
Speaker 2: running things the ground. We gotta get out. We're going
Speaker 2: to We're gonna be we're gonna keep our American citizen.
Speaker 2: We're moving to Spain. Guess who's coming back to two
Speaker 2: months later? Because all the things you take for granted
Speaker 2: they don't have in Spain. One of the ones is
Speaker 2: that I heard was having a having a dryer, Like
Speaker 2: I don't know if that was like one of the
Speaker 2: big things, but you go, what they don't have dryer. No,
Speaker 2: everyone hangs their laundry out, I guess, And it was
Speaker 2: like I missed my dryer. Yeah, it's you're gonna a
Speaker 2: lot of things you take for granted in America and
Speaker 2: you go abroad. It's different when you're on vacation, traveling,
Speaker 2: I guess, looks great because you're you know, you're in
Speaker 2: a hotel, Airbnb or whatever. It's fine, but living there
Speaker 2: is a different toury entirely. And so it was two
Speaker 2: months going, uh, yeah, you know what, we made a mistake.
Speaker 1: We're coming back.
Speaker 2: You hear about the people leaving the United States, but
Speaker 2: you wonder about those who do it and go Either
Speaker 2: they come back or they begrudgingly go, Okay, this is
Speaker 2: not what I expected it to be. But I can't
Speaker 2: come back as I lose face. I just you just wonder.
Speaker 2: I'm sure there's some people that move in abroad it
Speaker 2: are totally happy and confident, but you know people coming back.
Speaker 2: You hear about them leaving, but you don't hear stories
Speaker 2: about how many people go. I made a mistake, Yes,
Speaker 2: is not what I thought it is. Yeah, we've got
Speaker 2: some problems, but it's good to be home. Just something
Speaker 2: to be said about that. And then that group coming
Speaker 2: up at eleven, I'm sorry to eleven. How about ten
Speaker 2: oh seven? Greg mursaid, is here. Have you heard about this?
Speaker 2: There's a debate now and I'll have some lawmakers on
Speaker 2: about this at some point in the near future for sure.
Speaker 2: And the debate is over teenagers working. So it's I
Speaker 2: think send Bill fifty. I want to say something along
Speaker 2: those lines. It'll allow teenagers who are fourteen years old
Speaker 2: fifteen years old to work until nine o'clock throughout the
Speaker 2: school year. As it stands right now, the law says
Speaker 2: that you can work till nine during the summer or
Speaker 2: during a school holiday or maybe on the weekends, but
Speaker 2: you can't work past seven on a school night, and
Speaker 2: they want to change that to nine pm. So letting
Speaker 2: a teenager younger than sixteen or per seven and nine.
Speaker 2: As long as the teen has the permission of the
Speaker 2: parent or guardian, that's what they want to do. And
Speaker 2: it seems to me like, you know, if you're fourteen fifteen,
Speaker 2: you work in your hustland working an extra hour or
Speaker 2: two if at a grocery store or busting tables or
Speaker 2: working at fast food, whatever it might be, and there's
Speaker 2: limited things you can do there as well, it seem
Speaker 2: seems like a good thing. And there's a representative Lauren
Speaker 2: McNally out of Youngstown Democrat says that she was shocked
Speaker 2: about this. How dare we pretend that putting fourteen year
Speaker 2: olds on late night shifts in dangerous workplaces is somehow
Speaker 2: helping families. It's not helping anyone. It's exploitation, plain and simple. Well,
Speaker 2: mom and dad are signing off on that it's not exploitation.
Speaker 2: It's parental choice. Secondly, nine o'clock is not exactly a
Speaker 2: late night shift. Like if you know your typical fourteen
Speaker 2: fifteen to mid twenties thirty, you know they are nocturnal creatures.
Speaker 3: You know.
Speaker 2: The whole thing is when you're older now, you go
Speaker 2: to bed about the time somebody young is getting up,
Speaker 2: And it's true.
Speaker 1: It's your body clock.
Speaker 2: Your body clock's just different at that age, right, you're
Speaker 2: more nocturnal.
Speaker 1: You want to stay up all night.
Speaker 2: And that's why I think kids have trouble in schooling, like,
Speaker 2: is because you're trying to force into the daytime ours
Speaker 2: for obvious reasons, when in fact they're more nocturnal. You know, hell,
Speaker 2: now I'm going home at ten o'clock. And when I was,
Speaker 2: you know, thirty years ago, you'd be going out at
Speaker 2: ten o'clock. But fourteen fifteen year old's say, how many
Speaker 2: are staying up gaming, how many are going to I
Speaker 2: don't know sports practices, and things like why is that
Speaker 2: any different? Like why would it be different if you're
Speaker 2: up studying or gaming or at practice or whatever it is,
Speaker 2: you're still at past nine o'clock, Like, well, what is
Speaker 2: the bedtime of your typical fourteen fifteen year old?
Speaker 1: It's not nine.
Speaker 2: It might be ten o'clock, maybe eleven o'clock, but certainly
Speaker 2: not nine o'clock gives you an extra hour. It sounds like,
Speaker 2: you know, they're forcing I could see or it's like, hey,
Speaker 2: you know what, we're just getting rid of the rules
Speaker 2: entire that you can work till you can do an
Speaker 2: overnight shift if you want, you know, work it to
Speaker 2: work till two in the morning or midnight. It's fill extreme,
Speaker 2: but nine o'clock doesn't seem unreasonable at all. And the
Speaker 2: idea that this is somehow exploiting kids. Yeah, if the
Speaker 2: parents are consenting to this and sign off, that's not exploitation.
Speaker 2: That's the parents going, yeah, I want my kid to
Speaker 2: work and have a job if maybe the household needs
Speaker 2: some money, or maybe they should have their own money,
Speaker 2: or maybe you have a strong work ethic at that age.
Speaker 2: And the idea that somehow work and work is a
Speaker 2: bad thing, it's look this, my god, it's it's slave.
Speaker 2: You're indenturing these kids in the servitude and now it's
Speaker 2: just working. You learn at an early age how to
Speaker 2: hustle for a buck. You learn and the host of
Speaker 2: problem things. Now i'll get in this with my guest,
Speaker 2: but you learn so many things in your first job.
Speaker 2: You know, setting expectations and budgeting and being accountable and
Speaker 2: managing people and managing and dealing with superiors and all
Speaker 2: the headaches of working in the in the real world.
Speaker 2: You learn how to solve conflict in real time too.
Speaker 2: By the way, I think that's a great lesson for
Speaker 2: any kid, but certainly by the time you're fourteen fifteen
Speaker 2: it seems to work out. So anyway, that's what they
Speaker 2: want to pass in Ohio. And there's some pushback on
Speaker 2: this one, not from all, but the idea here is
Speaker 2: that you know, it's fourteen fifteen year olds also make
Speaker 2: a federal minimum wages seven twenty five an hour, which
Speaker 2: is less than ten seventy because well, your skill set
Speaker 2: is less than that. When you're fourteen or fifteen and
Speaker 2: you start somewhere, you start at the bottom. Is that exploitative? No,
Speaker 2: you're you're probably producing less. And also the idea that
Speaker 2: somehow this is more dangerous, this dangerous environment they're working in.
Speaker 2: I don't know, are you out there, you're work in
Speaker 2: a nuclear facility? Are you what do you do when
Speaker 2: you butcher in hogs?
Speaker 4: Like?
Speaker 2: I don't know about other states, but I was pretty
Speaker 2: strict about what they can do and what they can have.
Speaker 2: I think, even like the work in the fast foods,
Speaker 2: they can only work some certain things. If I'm not
Speaker 2: mistaken anyway. More in this after a ten o'clock here
Speaker 2: with gregmor sat here on seven hundred WW Scott Sloan Show,
Speaker 2: also happening today. We I hadn't a chance to maybe
Speaker 2: I'll save this for tomorrow a little bit more about
Speaker 2: I had a chance to look through some of the
Speaker 2: Epstein stuff as well.
Speaker 1: It's not good.
Speaker 2: I think it's fascinating the breakup though between between Donald
Speaker 2: Trump and uh MTG and him going after her calling
Speaker 2: a range, a ranting lunatic and a trader. Somehow, Boy
Speaker 2: a lot of people who stood by Trump even when
Speaker 2: it's inexplicable, and she would be one of those people.
Speaker 2: But somehow now she's a trader. And even now they're
Speaker 2: going to turn around and they're going to release, allegedly
Speaker 2: release all this stuff.
Speaker 1: And why would they do that?
Speaker 2: Well, because I think they also know that there are
Speaker 2: things that they can resist and hopefully get a vote against.
Speaker 2: We'll find out probably pick this up more, but one
Speaker 2: of the more fascinating stories over the weekend watching that
Speaker 2: that whole thing play out. Get the popcorn right news
Speaker 2: on the way. We'll get you updated roads, traffic, weather,
Speaker 2: all that stuff, and Mortifile coming up here ten six
Speaker 2: today with Greg Marsett and teenage work rules about to
Speaker 2: change in Ohio seven hundred WWT Cincinnati slowly on seven
Speaker 2: hundred WLW. There's a new piece of legislation working his
Speaker 2: way through the house. They want to increase the work
Speaker 2: hours for teenagers up to a certain age till nine
Speaker 2: o'clock PM. And there's a fight against us saying, you know,
Speaker 2: it's indentured servitude, and you're going to ruin kids' lives
Speaker 2: and just what we need more people than the workforce,
Speaker 2: and granted, kids like money, and we miss out on
Speaker 2: the value of working at a young age. You know,
Speaker 2: nine o'clock doesn't on the school night, doesn't seem that
Speaker 2: light quite honestly, considering kids and athletics and everything else
Speaker 2: will stay up till well pass that because well, athletics,
Speaker 2: if you want to work, I think that should be encouraged,
Speaker 2: certainly at midnight one am. But nine o'clock seems reasonable
Speaker 2: for teenagers, don't you. And then the question is, well,
Speaker 2: how young is too young for a kid to do something,
Speaker 2: to do a test, to do something age appropriate and work.
Speaker 2: And that's where my guest comes it to him is
Speaker 2: Greg Mercaid. He's a financial planner locally here in Cincinnati,
Speaker 2: and it developed an app to help kids sort through this. Greg, welcome,
Speaker 2: how are you.
Speaker 6: I'm doing great, Thanks for having me on, sir.
Speaker 2: Let's start at the beginning here, and that is the
Speaker 2: age old question. Why don't we talk to kids about
Speaker 2: money earlier in life? Why does it seem like, I
Speaker 2: don't know, you know, it's like sex. In a lot
Speaker 2: of cases, let the streets raise them. No one talks
Speaker 2: about money. It's a taboo subject. And a lot of houses,
Speaker 2: you don't talk about finances, you don't talk about budgets.
Speaker 2: You go to school, you don't really get taught it
Speaker 2: in high school. Maybe you go on to college, and
Speaker 2: if you don't, of course you got to learn it firsthand.
Speaker 2: But you go to college, they don't talk about it
Speaker 2: all that much. You get credit card debt, you get
Speaker 2: in trouble, you get upside down, you get student loans,
Speaker 2: and we have all these issues of bailing student loan
Speaker 2: recipients out in the like, And it seems like if
Speaker 2: we taught people earlier, that would be the best way
Speaker 2: to do it.
Speaker 6: Absolutely, geez, now I'm depressed, right. This is one of
Speaker 6: those things that I think the reason why we don't
Speaker 6: talk about it very much is I think is is
Speaker 6: that we're not all that great out of ourselves. And
Speaker 6: it's just like, I think avoid that topic because I'm
Speaker 6: not super good at it myself. I think it's the
Speaker 6: complete opposite of what we should be doing. We should
Speaker 6: be talking to this about kids early and often. We
Speaker 6: should be putting them to work. Like you said, fifteen
Speaker 6: hours a week in a summer job, I'm thinking sixty.
Speaker 6: That's what I'm talking about. I think that that kids
Speaker 6: should be here's a good example. Okay, I had a
Speaker 6: backyard that was just a mess, right, It just wasn't
Speaker 6: where I wanted it to be. So what did I do?
Speaker 6: I went around and I took pictures of everything that
Speaker 6: I would like to do myself but I never have
Speaker 6: time to do. And I put it together and I
Speaker 6: gave it to one of my sons and said, this
Speaker 6: is now your job. Isn't this wonderful? And I took
Speaker 6: my pencil, you know, my Apple pencil, and I literally
Speaker 6: wrote exactly what I wanted him to do on every picture.
Speaker 6: And guess what, in two weeks it was all done.
Speaker 6: Like that is amazing to me.
Speaker 1: Did you did you pay?
Speaker 3: Oh?
Speaker 2: Okay, you paid him for it? Well, normally'd be like,
Speaker 2: oh damn, this is stupid. Right, And that's large of
Speaker 2: the problem. It's just easier to play cake kids and
Speaker 2: and not put them to work. But they're quite capable.
Speaker 2: It gives them a sense of accomplishment and money and
Speaker 2: and so much more. Right And and you may you
Speaker 2: mentioned a second ago, Greg that you know, if you're
Speaker 2: not good with money, your kid's not good with money.
Speaker 2: It's a cyclical thing. And it's because you know, we
Speaker 2: don't do it early enough in life. Someone's got to
Speaker 2: start this process and go early on. They need to
Speaker 2: learn about money.
Speaker 3: You know.
Speaker 2: On that point, I had my my grandson in law
Speaker 2: is eight years old, nine years old, and uh, it
Speaker 2: was it was all looking for money. He's like, oh,
Speaker 2: I want to I want to buy Well what do
Speaker 2: you need the money for? I want to buy this
Speaker 2: video game or whatever. It is, like, well, can I
Speaker 2: have money? I'm like, it doesn't work that way.
Speaker 1: So I'll know. He'll come over.
Speaker 2: I'll put him to work and he want, you know,
Speaker 2: he'll and his kid's a great worker.
Speaker 1: I love it.
Speaker 2: But you know, rather than just giving it to them,
Speaker 2: it's got to be earned. When you get to the
Speaker 2: teen years. Now, it seems like a lot of parents
Speaker 2: in suburbia anyway where I live, and you know the drill, right,
Speaker 2: you're more worried about taking maybe some classes or remedial
Speaker 2: work in the summer, or sports or just relaxing whatever
Speaker 2: it might be, as opposed to work. I think that's
Speaker 2: an important component of summer, especially for a teenager, is
Speaker 2: to have a job.
Speaker 6: Absolutely, if they're sitting around and doing nothing, that actually
Speaker 6: drives me crazy. And I think the worst thing you
Speaker 6: can do as a parent is to just hand them
Speaker 6: over money. Hey, I want to go to the movies, Boom,
Speaker 6: you give them twenty bucks? Are you kidding me? That's
Speaker 6: the worst thing you could do, because then that cycle
Speaker 6: perpetuates itself. And to your point, that kind of this
Speaker 6: kind of is a repeating cycle.
Speaker 7: If you're not good at it, kids.
Speaker 6: Won't be all that good at it. That is absolutely true.
Speaker 6: And the way you break that cycle, in my opinion,
Speaker 6: is to be more transparent with what this stuff really means.
Speaker 6: So let me give you a really simple example. You're
Speaker 6: sitting on the couch, your kids next to you. You
Speaker 6: guys are doing essentially nothing right Netflix or something, and
Speaker 6: your phone buzzes and it's your electric bill, or it's
Speaker 6: your insurance bill, or it's your whatever bill. This is
Speaker 6: a perfect opportunity for you to say, hey, come here,
Speaker 6: I want you to see this. I just got an
Speaker 6: electric bill. I live in Phoenix. It's August. It's five
Speaker 6: hundred and fifty dollars. Like that is where you need
Speaker 6: to expose them to that and say this is what's
Speaker 6: going on. And even better, let them help you pay
Speaker 6: it so they can see how that all works. And
Speaker 6: you can do that so easily with the electric bill.
Speaker 6: Next time you pull into the gas station, you can
Speaker 6: have a little conversation, have them stand out there with
Speaker 6: you when you're pumping the gas and let them realize
Speaker 6: that it costs eighty bucks, yeah, to fill up your car.
Speaker 6: Good point, like this is how you do it. Just
Speaker 6: be a little bit more transparent and they're going to
Speaker 6: realize really quickly. Holy smokes, this is what it takes
Speaker 6: to make this all happen.
Speaker 2: Yeah, you have no idea how much a dolo a
Speaker 2: gas will. You may drive by the signs, but okay,
Speaker 2: it's four bucks a gal, three bucks a gal, whatever
Speaker 2: it is, and you look at it, you go, okay,
Speaker 2: that's isn't gonna affect on me. But if you look
Speaker 2: at it and go, okay, here's this and this is
Speaker 2: how much it costs.
Speaker 1: But we all pay with a credit card.
Speaker 2: Is there somebody said about not paying with a credit
Speaker 2: card when you're teaching, because now, if you're a kid,
Speaker 2: you can touch it, you can only can feel it.
Speaker 2: Here's you know, as you said, here's eighty bucks, right,
Speaker 2: I got four twenties.
Speaker 1: Here you go.
Speaker 2: And it's a different thing rather than just swiping the car.
Speaker 2: And I think that's also part of the problem, right,
Speaker 2: is if it's plastic, we don't realize the.
Speaker 1: Value of it.
Speaker 6: This is called what I what I call invisible money.
Speaker 6: Money is just little numbers on a screen now and
Speaker 6: they just change. And so you have to teach your
Speaker 6: kids in a different way. Listen, we're not going to
Speaker 6: go back in time and say, well, if I'm going
Speaker 6: to teach little Johnny about money, I'm going to carry
Speaker 6: around five hundred dollars and twenties in my pocket because
Speaker 6: it's not going to work. You're not going to do it.
Speaker 6: It's annoying, it's not convenient. So you have to teach
Speaker 6: them about invisible money. And this is the way I
Speaker 6: think you should do it. I think you should get
Speaker 6: them there card. And then all of a sudden they
Speaker 6: realized when they swiped their card at the at the
Speaker 6: movie theater and it cost them, you know, thirteen dollars
Speaker 6: to get into the movie. And they think, oh my goodness,
Speaker 6: I had to scoop dog poop, I had to wash
Speaker 6: my mom's vand I had to mow the lawn and
Speaker 6: that's all I had to do to pay the thirteen
Speaker 6: bucks to movies and boom, if you use they swipe
Speaker 6: it and it happened, and all of a sudden, it clicks.
Speaker 6: So let them do it. Because kids learn best by
Speaker 6: doing this stuff, not by you know, anything else.
Speaker 2: And there's some kids you see you just go they're
Speaker 2: gonna be fine. Example, I was at a a charity
Speaker 2: golf outing and my buddy Daneal I was golf with
Speaker 2: him and he has two beautiful daughters.
Speaker 1: And you know what they did.
Speaker 2: They want to because they're they're kind of he's a hustler,
Speaker 2: and he teach him how to hustle.
Speaker 3: Right.
Speaker 2: It is like, hey, you gotta work, you gotta you
Speaker 2: gotta you want to make money, you want stuff you got,
Speaker 2: So they sat out in front they went to Big
Speaker 2: Lots or something and bought a ten dollars box of beads,
Speaker 2: and we're making bracelets for people and then selling to
Speaker 2: the people after they got through the line check in
Speaker 2: at the golf trip.
Speaker 1: But guess what they made? Over one hundred bucks?
Speaker 3: Yeah, how about that?
Speaker 5: Right?
Speaker 6: I love it. I love that kind of other girls
Speaker 6: with a very bright future.
Speaker 1: There's no question about it. I'll be working for them someday.
Speaker 2: Greg Murson's on the show certified Financial Planner CEO of
Speaker 2: Busy Kid, which is a product that's going to help
Speaker 2: parents hire their own kids and teach them the stuff.
Speaker 1: How's it work?
Speaker 6: Okay, So Busy Kids an app that gives kids real
Speaker 6: life experiences not only earning money, but managing money. So
Speaker 6: the earning part is really important. It's work, it's fundamental, right.
Speaker 6: But once you get the money, what in the world
Speaker 6: do you do with it? I always say, if you
Speaker 6: let your kids just earn it and burn it and
Speaker 6: you're not doing much other than you're making it easier
Speaker 6: for them to spend it, you have to teach them
Speaker 6: a very balanced approach. And this is not hard. Okay.
Speaker 6: The money goes in when you use busy kids, you
Speaker 6: earn the money and it goes into three big buckets. Okay,
Speaker 6: the first bucket is saving and investing, where they can
Speaker 6: literally learn about how investing in stock works, amazing, eye
Speaker 6: opening stuff. The second pieces is you can teach them
Speaker 6: how to share and give to charity, which teaches them
Speaker 6: that the world is a bigger place than just them,
Speaker 6: which is very important. And then lastly, the money can
Speaker 6: go into spend where they can have their own cards,
Speaker 6: they can load it, and they can spend like the
Speaker 6: rest of us. So save and invest, share and spend.
Speaker 6: These are the fundamentals of a balanced financial approach.
Speaker 1: And it's such a simple concept.
Speaker 2: If you're an adult, you get that right as I
Speaker 2: have money, that I have my needs, I have my wants,
Speaker 2: i have charity, and then I've got investments.
Speaker 1: And those are the four buckets to say what we
Speaker 1: do as adults right.
Speaker 2: Right, or should be doing it. So if you're not
Speaker 2: doing that, going, wait, let me write this down in
Speaker 2: you got problems. But if you look at I mean,
Speaker 2: look at credit card debt in America. We're seeing incredibly
Speaker 2: high numbers right now. And look at the United States
Speaker 2: and the debt sealing crisis, right, I mean, we're a
Speaker 2: nation of dead beats.
Speaker 6: Oh, it's out of control. Debt is at an all
Speaker 6: time high, national debt thirty two trillion dollars. I mean,
Speaker 6: I don't even know how many.
Speaker 1: Zeros out of control?
Speaker 6: Right, Consumer debt all time high, student loan debt all
Speaker 6: time high. So, yes, you're exactly right. It's out of control.
Speaker 7: And if we think we.
Speaker 6: Can just kind of keep going down this path, we're
Speaker 6: tricking ourselves. We have to stop, and we have to
Speaker 6: change it. I think we need to change it with
Speaker 6: this next generation. Yeah, if they're smarter with their money,
Speaker 6: then hopefully they can turn it around.
Speaker 2: Now, you as a certified financial planner, though, Greg, you
Speaker 2: know you hear the thing is well, Okay, when you
Speaker 2: were coming up, when you were young my age, it
Speaker 2: was a lot easier, you know, And now it's so hard.
Speaker 2: I have to have two or three or four more
Speaker 2: jobs and service all my debt and all the things.
Speaker 1: Oh is that true?
Speaker 2: I mean I have an appreciation for younger people now
Speaker 2: because there are a lot more things coming at them.
Speaker 2: Is there less opportunity than we had and the less
Speaker 2: opportunity to make money?
Speaker 4: Though?
Speaker 6: Yet I think there's more opportunity. Frankly, I mean, it's
Speaker 6: an amazing thing.
Speaker 3: I have.
Speaker 6: I have six kids, okay, five have left the nets,
Speaker 6: and all five of the ones that have left the
Speaker 6: nests that's had more than ten grand sads before they left,
Speaker 6: which I think is an amazing thing. And listen, Scott,
Speaker 6: I'm not paying them two hundred dollars to wash the car. Okay.
Speaker 6: They have so many opportunities. You can jump on, you know,
Speaker 6: when you're when you're an eighteen year old, you can
Speaker 6: jump on and you could be delivering you know, food
Speaker 6: to people in like twenty minutes. It's an amazing if
Speaker 6: you go door dashing or uber eat in twenty minutes
Speaker 6: like and you can go drive an uber like. You
Speaker 6: could do so many things these days. And you know,
Speaker 6: well that's for the older kids, But what about the
Speaker 6: younger kids. They can mowd lawns, they can tutor people,
Speaker 6: they can walk somebody's dog, they can do all this stuff.
Speaker 6: We created busy pape, which is literally a QR code
Speaker 6: that kids can have and the person that you know
Speaker 6: hires them to go walk my dog and then I
Speaker 6: just scan your two R cards code and I pay
Speaker 6: you ten bucks, Like it's that easy.
Speaker 1: Yeah, like that.
Speaker 6: Seems like a very easy thing to right, Right, you
Speaker 6: go out and figure stuff out.
Speaker 2: Yeah, you have Busy Kid, which is the app that
Speaker 2: you have, But I mean things like venmo, right, just
Speaker 2: venmo me the money? I got an account? Okay, boom,
Speaker 2: it's right there. It's it's easier than ever zeal it
Speaker 2: or it's easy to ever before to transfer money, but
Speaker 2: also to develop side hustles in your downtime.
Speaker 1: So yeah, you may have to.
Speaker 2: You know, the days of having a goal plated pension
Speaker 2: are long since gone. God knows, I've never seen that,
Speaker 2: but you know, love saving for a four long kid
Speaker 2: and start to my thirties because I'm like, I don't
Speaker 2: have that kind of money. Yeah, you know, and then
Speaker 2: all of a sudden you start realizing it's important and
Speaker 2: you've got to start You got to start paying yourself
Speaker 2: a little bit here too. But learning that at age
Speaker 2: at age five is a lot easier than learning that
Speaker 2: at age fifty.
Speaker 6: Yeah, oh my goodness. And just think of the trajectory
Speaker 6: that changes if you start doing that balance financial pros
Speaker 6: and not just wasting all your money early in life.
Speaker 6: You you turn eighteen and you got ten grand, you
Speaker 6: leave the house like that's what happened. It's an amazing
Speaker 6: thing if you if you start to see that early
Speaker 6: in life.
Speaker 1: Yeah.
Speaker 2: So, if your kids or grandkids are tripping at you
Speaker 2: because they want money, download the busy kid app busy
Speaker 2: kid and put them on the right path here and
Speaker 2: it's a it's a good lesson. They can actually see
Speaker 2: the money that they earn as opposed to just having
Speaker 2: it given to them.
Speaker 6: Absolutely, if they learn how to work early and get
Speaker 6: some money, you watch out, they're gonna they're going to
Speaker 6: figure out some amazing things. I had a kid tell
Speaker 6: me the other day that he was so excited because
Speaker 6: he had earned some money. Then he had learned to invest.
Speaker 6: He bought some stock and the next thing you know,
Speaker 6: he got a dividend. What in the world is a dividend?
Speaker 6: And he was so excited to learn that a dividend
Speaker 6: is just money that the company that you invested in
Speaker 6: gave you for nothing. And all of a sudden, it
Speaker 6: was an eye opening the experience. Wait, I can invest
Speaker 6: in a company they pay me to do nothing. Wow,
Speaker 6: that's an amazing Thingah So let your money work for your.
Speaker 2: So now basically The way I explained is you're a bank, right,
Speaker 2: you're loaning money and the dividends kind of like interest.
Speaker 6: It's amazing.
Speaker 1: It's amazing.
Speaker 6: Right. Rather, I would much rather do that than have
Speaker 6: to tho more dog coop in the backyard.
Speaker 2: Yeah right, Well I got to get going, Greg, because
Speaker 2: I got to go scoop dog poop.
Speaker 1: That's my side hustle.
Speaker 2: So thanks for demeaning me, Greg Murce, certified Financial Planner.
Speaker 1: CEO of Busy Kid.
Speaker 2: That is the app and it's how you you can
Speaker 2: basically how your own kids during summer break. And we're
Speaker 2: not talking about teenagers here. We're talking about young kids.
Speaker 2: And this gives them the experience and know how to
Speaker 2: get to get money and doing hands on work and
Speaker 2: and yeah, whatever you have them do is age appropriate
Speaker 2: chores or whatever it is, but that this helps bridge
Speaker 2: the conversation we don't have and that is about kids
Speaker 2: and money. And this is why we're so lost by
Speaker 2: financially in this country, I think because we never learned
Speaker 2: it growing up. And here's an opportunity to do that. Greg,
Speaker 2: all the best, thanks for coming on the show. I
Speaker 2: appreciate it.
Speaker 6: Good be with you, Scott.
Speaker 2: Yeah, I bring up the work issue because Ohio it's
Speaker 2: center pill fifty. I believe right now, if you're in Ohio,
Speaker 2: fourteen fifteen year olds can work till nine o'clock during
Speaker 2: the summer school holiday, can't work past seven pm during
Speaker 2: school nights, and they want to extend that. They want
Speaker 2: to change it to make it nine pm during the
Speaker 2: school year for obvious reasons. Of course, the outrage machine
Speaker 2: is full going here, Democrats and Columbus saying it's not
Speaker 2: about filling workforce gaps, it's about filling corporate pockets. I
Speaker 2: don't know if kids fourteen fifty year old's getting seven
Speaker 2: to twenty five an hour, that seems like a pretty
Speaker 2: good deal for the kid. It's minimum wage, and you
Speaker 2: learn how to manage money, work with people, how to
Speaker 2: problem solve, all that good stuff. One lawmaker from Youngstown said,
Speaker 2: how dare we pretend that putting fourteen year olds on
Speaker 2: late night shifts and dangerous workplaces is somehow helping families.
Speaker 2: It's not helping. Its exploitation. So what we need more
Speaker 2: programs to give people money? It's fourteen year olds aren't
Speaker 2: working in dangerous workplaces. We have laws against that. In
Speaker 2: late night shift nine o'clock is not late. If you're
Speaker 2: fourteen fifteen, you scream at your fourteen fifteen year old
Speaker 2: it's time to go to bed because they're nocturnal.
Speaker 1: What world do you live in?
Speaker 2: Lady Scott Flowing seven hundred w al the Everyone needs
Speaker 2: help every.
Speaker 1: Now and then, and she's here to help us get
Speaker 1: our heads right.
Speaker 2: This is Mental Health Monday with mental health expert Julie Hattershire.
Speaker 2: Something like seventy percent of all Americans engage in some
Speaker 2: form of infidelity at some point in life. And that
Speaker 2: could mean intellectual, it could mean emotional, online, financial, physical,
Speaker 2: There's a whole bunch of different ways.
Speaker 1: But twenty forty percent.
Speaker 2: Of married men in twenty to twenty five percent of
Speaker 2: married women in the US will have a sexual affair
Speaker 2: bonafide adultery in their lifetime. And typically you hear about
Speaker 2: how healing together in couple's therapy is the right way
Speaker 2: to go. But my guest here and for Julie Hattersh
Speaker 2: here here on Mental Health Money. Julie's got the week
Speaker 2: office doctor all a seem and he says, not always
Speaker 2: is that the case? Sometimes you shouldn't fix a relationship
Speaker 2: broken by infidelity good morning, doctor.
Speaker 1: How are you.
Speaker 7: I'm doing fine things for having in the show.
Speaker 2: Yeah, interesting, because you know, I think conventional wisdom is
Speaker 2: that that healing together is always the right path. And
Speaker 2: I have friends that have been through this before, and
Speaker 2: it's always tragic and heartbreaking. And yet you're kind of
Speaker 2: like the salmon swimming upstream on this one saying, well,
Speaker 2: you know what, maybe you're better off not repairing the relationship.
Speaker 7: That was importunate that we've been socialized that the only
Speaker 7: way to go from a fidelity by repairing the relationship.
Speaker 7: The fact of the matter is that that's not attainable
Speaker 7: for everybody. Sometimes infidelity is actually the wake up call
Speaker 7: that people need to know that this relationship shouldn't have
Speaker 7: been in the first place.
Speaker 2: So how do you determine that. Let's go in the
Speaker 2: way back machine. But before we do that, let's let's
Speaker 2: define that. So there's is infidelity in an adultery exchangeable
Speaker 2: terms or are their nuanced? Is the distinction between the two.
Speaker 7: I'm a big fir, a firm believer in the connotation
Speaker 7: of the words adult rereasently tend to have spiritual connotation.
Speaker 7: Infidelity tends to be a little bit more, a little
Speaker 7: bit more neutral, regardless of people spiritual belief system. Okay,
Speaker 7: actually one, I'll go ahead.
Speaker 1: No, say so.
Speaker 2: The sexual act itself crosses the line from infidelity to
Speaker 2: full on adultry.
Speaker 1: Okay, So that's the distinction.
Speaker 7: So really, infidelity is the breach of contract of exclusivity
Speaker 7: that people have from one another, whether it's emotional exclusivity
Speaker 7: or sexual exclusivity, and infidelity needs something different based on
Speaker 7: everybody's relationship and the type of cultural belief system that
Speaker 7: they have. For example, flirting with others in some relationship
Speaker 7: might see it might be be considered as a harmless behavior.
Speaker 7: Another relationship, it might be seen a form of infidelity.
Speaker 7: Same thing with pornography. So that's one of the challenging
Speaker 7: things of treating infidelity is that most of the time
Speaker 7: people don't even have the same reference point on what
Speaker 7: to define it.
Speaker 1: Yeah, what do we call agree?
Speaker 2: The physical exchange, that's where adultery comes in adults, is
Speaker 2: what it is.
Speaker 1: But infidelity is there.
Speaker 2: But but we also had things like would you consider uh,
Speaker 2: you mentioned digital cheating or pornography, but like financial for example,
Speaker 2: or emotional cheating, those that that's infidelity as well, Right,
Speaker 2: and and how many different types of forms of infidelity
Speaker 2: are there in that regard.
Speaker 7: Well, I think you.
Speaker 6: Know, you can't have infidelity without.
Speaker 7: Dishonesty, but none every dishonest behaviors, you know, fill that
Speaker 7: up infidelity it's really uh. And you can also argue that,
Speaker 7: you know, betraying somebody's trusts as a form of infidelity.
Speaker 7: To me, it's you know, how often people are clear
Speaker 7: with one another about when they expect but also treating
Speaker 7: that virtual world like you deal with the physical world, right,
Speaker 7: you know, anything that you do virtually, yeah, this you
Speaker 7: should have the same roles that if you do it
Speaker 7: virtually or you do it in person. And that's not
Speaker 7: so sometimes you'll kind of whitewash it and justify this because.
Speaker 1: It's virtual, all right.
Speaker 2: And doctor al Saline, now that we've set what the
Speaker 2: definitions are here, let's get into the realist. And this
Speaker 2: is where you're a little bit different than a lot
Speaker 2: of therapists I think. And I got to get Julie's
Speaker 2: take on here, but you're in for her this morning.
Speaker 2: And that is when you can't fix this thing when
Speaker 2: it's irreparable. And a lot of people spend a lot
Speaker 2: of time effort and emotion trying to fix something that
Speaker 2: can't be fixed in the first place. What are the
Speaker 2: signs that something like this is unfixable if you should
Speaker 2: just maybe you were with the wrong person to begin with.
Speaker 7: Well, a clear sign of that if you have an
Speaker 7: unfaithful partner who is lacking empathy, who is not having
Speaker 7: the feeling that you're expected to have want somebody discover
Speaker 7: in fidelity, somebody who blame you for that there, So
Speaker 7: think of it this way. Infidelity doesn't always happen for
Speaker 7: a relationship deficits, but a lot of times where infidelity happened,
Speaker 7: what having to do with the relationship has to do
Speaker 7: with unfaithful partner and individually to deal with whether it's
Speaker 7: it's a big shit personality disorder or something along those lines.
Speaker 7: And sometimes we have environmental factors that lead to infidelity.
Speaker 7: So you know, when you have an unfaithful partner will
Speaker 7: blame you for the affair. That's problematic because ire is
Speaker 7: supposed to be a building a relationship with somebody who
Speaker 7: blame you.
Speaker 4: For with their action.
Speaker 7: And I was the example. You could have the worst
Speaker 7: partner in the universe. You have options, and then they
Speaker 7: can drag with the counseling and takes those issues or
Speaker 7: and the relationship before you cross those lines of fidelity.
Speaker 7: So when you're dealing with somebody who's lacking contrition, that's
Speaker 7: a difficult person to work with. When you're dealing with
Speaker 7: somebody who is not even willing to give you the
Speaker 7: story of what happened, why it happened, that's a problematic behavior.
Speaker 1: Yeah, uh no, that makes sense.
Speaker 2: But be saying there, I mean, blame is to share,
Speaker 2: There's no doubt about it. You wouldn't seek something else
Speaker 2: somewhere else for that matter, if there wasn't a void
Speaker 2: in that relationship.
Speaker 1: Does that mean that's victim blaming them?
Speaker 7: I believe so, because, like I said, you know, as
Speaker 7: them faithful partner, you have options in terms of how
Speaker 7: do you act on that relationship deficit. Ale I said,
Speaker 7: there's seen the hundreds of relationship where that person actually
Speaker 7: with a partner who is ready and willing to meet
Speaker 7: all their needs. But it's like a say things. So,
Speaker 7: for example, if you're dealing with somebody with narcissistic personality disorder,
Speaker 7: they could have the perfect partner of us whore filling
Speaker 7: all their needs, but it doesn't matter they need more
Speaker 7: than one person. They need that constant attention. So it's
Speaker 7: not always about relationship beficit.
Speaker 1: I understand.
Speaker 2: So what you should be doing is going to your
Speaker 2: significant other. In this case, the person you've had a
Speaker 2: relationship is Hey, listen, here's my thoughts.
Speaker 1: There's what's going through my head.
Speaker 2: And maybe it's narcissism, or embarrassment or fear of rejection,
Speaker 2: could be a lot of things. Is the reason why
Speaker 2: someone would turn somewhere else to their needs met?
Speaker 6: Absolutely?
Speaker 7: Sometimes the seasons in fidelity been planned a long time ago.
Speaker 7: There's a lot of folks who have self as being
Speaker 7: a selfworth issues, or somebody who had traumatic event and
Speaker 7: being abused actually when they were a child, and they
Speaker 7: developed this idea of themselves that the only thing they
Speaker 7: can offer to the world is their sexuality. So sometimes
Speaker 7: I said, it has nothing to do with the relationship.
Speaker 2: It's mental health Monday in the Scotsland shown seven hundred
Speaker 2: WW Julie Hattershare, our regular license mental health therapist has
Speaker 2: day off Todays, taking a little vacation much deserved and
Speaker 2: sitting in this morning is doctor Tallala Sleam, unfaithful and
Speaker 2: unrepentant affairs be on the hope of repairent infidelity. So
Speaker 2: he's kind of a little bit different when it comes
Speaker 2: to therapy and saying that not all relationships are fixable,
Speaker 2: which is kind of refreshing but also depressing in the way,
Speaker 2: meaning that can I look at this and go, well,
Speaker 2: if you tell me what categories or what are the
Speaker 2: red flags here, that's indicators I shouldn't get in a
Speaker 2: relationship with this person in the first place, because I
Speaker 2: would think by the time you get in a relationship,
Speaker 2: all of those markers, all of those bad habits are
Speaker 2: already set in stone. So you know, love kind of
Speaker 2: glosses over that. But after a year or more of marriage,
Speaker 2: maybe things start to change and water gets back to
Speaker 2: self leveling and things get back to your normal in
Speaker 2: that regard, can I spot these trends before I get
Speaker 2: in a serious relationship with someone that's going to wind
Speaker 2: up ultimately breaking my heart?
Speaker 7: Great question, Scott. I always tell people that, you know,
Speaker 7: if you want to be in a healthy relationship, you
Speaker 7: have to have relationship maturity. What does that mean? That
Speaker 7: means that you need to know who you are, the
Speaker 7: kind of qualities that you're looking for in a partner
Speaker 7: and the type of relationship that works for you. But
Speaker 7: also when you find that person and this person is
Speaker 7: meeting all your needs, the relationship needs to be maintained.
Speaker 7: A lot of the times when people have more conflict
Speaker 7: resolution and communication skills, they're going to struggle one having
Speaker 7: their needsments in their relationship, which is the fastest way
Speaker 7: to have a relationship deficit, which would lead to infidelity. Also,
Speaker 7: other things to look for is how invested the person
Speaker 7: that you are trying to let into your life, and
Speaker 7: are they willing to talk about parameters of exclusivity, what
Speaker 7: is their idea of privacy versus transparency. I really believe
Speaker 7: if you're in a healthy relationship and you're not doing
Speaker 7: anything creating, there shouldn't be this sense of, you know,
Speaker 7: there's something for my eyes only. Oftentimes when people hide
Speaker 7: things from their partner, it's either because they don't trust
Speaker 7: their partner with that information or they doing something that
Speaker 7: they're not supposed to. And also, you want to be
Speaker 7: with somebody who is invested in somebody who's willing to
Speaker 7: reciveticate your effort, because incited relationships often fail.
Speaker 2: Is part of this to the person may adrenaline junkie
Speaker 2: that there's a thrill of the pursuit and the catch.
Speaker 2: I mean, let's face it, if you've been in a
Speaker 2: relationship for a long time, and that's the news you
Speaker 2: have to those who are newly marriage, Hey, the honeymoon
Speaker 2: doesn't last forever. It's supposed to ebb and flow, and
Speaker 2: it's a different relationship the older you get, but you
Speaker 2: still love each other. Where is there a people out
Speaker 2: there looking for that adrenaline rush that they're not getting
Speaker 2: from a stable relationship.
Speaker 7: There is an aspect of that for people who had
Speaker 7: limited the relationships experience. So a lot of times people
Speaker 7: maybeing them in a relationship and escalated their commitment because
Speaker 7: somebody got pregnant or maybe they were young, and then
Speaker 7: know what they're looking for, and you know, there's an
Speaker 7: excitement of you know, the thrill of a hunt for
Speaker 7: a lot of better work. But oftentimes also it's an
Speaker 7: issue of people have the capacity of doing this in
Speaker 7: their marriage and their relationship, but they just don't take
Speaker 7: the time. Unfortunately. You know, people work all the time
Speaker 7: and they take their partner for granted and sometimes school,
Speaker 7: you know, make all these excuse and dollar way till
Speaker 7: the kids grow out and go out to college, and
Speaker 7: that point of time, their relationship is already strained.
Speaker 1: Yes.
Speaker 7: And also sometimes let's say somebody who actually cheat because
Speaker 7: of the relationship deficit, and their relationship somehow got fixed
Speaker 7: because their partners showing up and meeting their needs. Now
Speaker 7: they have this thing extra on the side, right, So
Speaker 7: what might have started with a deficit, now they're going
Speaker 7: to be struggled with giving this thing as starting the side.
Speaker 2: No, that makes makes perfect sense because there's a thrill
Speaker 2: of a new attraction, a new conquest, or the thrill
Speaker 2: of a new relationship in getting to know someone intimately
Speaker 2: as well as physically and emotionally, all those factors as well,
Speaker 2: kind of like when you were pursuing the person you're
Speaker 2: cheating on. But do you in your practice, doctor Auslin,
Speaker 2: you tend to see that's when someone cheats, they they
Speaker 2: cheat in the future. I mean, can is that someone
Speaker 2: who can't be trusted from that point forward?
Speaker 7: You know that that isn't the once a futer all
Speaker 7: with a tutor. Those people do exist, but it's a
Speaker 7: smaller segment of the population. Oftentimes when encounter that is
Speaker 7: when people have personality disorders such as antisocial personalit disorder
Speaker 7: or personality disorder, because we have to remind ourselves people
Speaker 7: cheat for different reasons. So even if you are with
Speaker 7: somebody who cheated in their past relationship, it doesn't mean
Speaker 7: all the reasons for the fidelity was the same. So
Speaker 7: we have to be looking at each incident in case
Speaker 7: by case and identify those factors, because if you understand
Speaker 7: why then fidelity happens, those reasons don't help you decide
Speaker 7: whether or not you want to rebuild with this individual
Speaker 7: and what not. That individual is willing to work on
Speaker 7: those issues, all.
Speaker 2: Right, So give me an idea here, Give me reasons
Speaker 2: which and let's start with this one. Give me reasons
Speaker 2: that you hear in your practice as to why people
Speaker 2: are unfaithful and commit acts of adultery or in fidelity.
Speaker 2: And we'll start with the ones that are fixable, the
Speaker 2: ones you go, okay, we can work on this.
Speaker 7: I would say the relationship deficit. When somebody is having
Speaker 7: these are unbaked man in relationship. I would say these
Speaker 7: are the most common ones, and oftentimes it's because either
Speaker 7: people are not good about figuring out what their needs
Speaker 7: at or being able to express them effectively to their
Speaker 7: partner because that one becomes an easier one to fix
Speaker 7: because when we identify those needs though these are healthy,
Speaker 7: are compatible, then we can help the couples actually identify
Speaker 7: their barriers for meeting those needs and get better in
Speaker 7: conflict resolution and communication. Because it's a cause and effect,
Speaker 7: I would say the most challenging one to fix or
Speaker 7: the ones are caused by personality disorders, because personalit disorders
Speaker 7: tend to be you have fancy ten dollar word egosyntnics,
Speaker 7: meaning that people are aokay with those behaviors. There is
Speaker 7: no clinical distress. So if I'm not having a problem
Speaker 7: with my behavior, I'm going to be less likely to
Speaker 7: seek help.
Speaker 1: All right, Yeah, that makes sense.
Speaker 2: Is that the underlying cause is mental deficiency or an
Speaker 2: incompetency or a clinical diagnosis that you could give. You're
Speaker 2: never going to be able to have a stable relationship
Speaker 2: if you don't treat that.
Speaker 7: Right what I'm saying, and not all individual mental health
Speaker 7: issues are going to be having a good prognosis because
Speaker 7: if you are not having if you don't see the
Speaker 7: problem with your behavior, you're going to be willing to
Speaker 7: seek treatment and you're going to be resist central the
Speaker 7: all time.
Speaker 2: All right, how long typically do you see therapy working
Speaker 2: for someone like that, though you're talking about probably years.
Speaker 2: I would think of therapy right before you can get
Speaker 2: before you can fix your relationship. You got to get
Speaker 2: yourself right. But that person probably is not going to
Speaker 2: hang around for you well.
Speaker 7: And I think when there is an individual issue in
Speaker 7: addition to the relationship issue that I've let to infidelity,
Speaker 7: I right, I recommend for people is engaged in couple
Speaker 7: counseling and individual counseling, and the type of disorders that
Speaker 7: the individual dealing with determined the treatment. So I can
Speaker 7: speak about infidelity recovery and what is the shortest and
Speaker 7: the longest time of recovery that I have seen. I
Speaker 7: would say that we're use in my model systematic affair
Speaker 7: recovery therapy. The shortest one for treatment I've seen what
Speaker 7: six months, and the longest was about two years and
Speaker 7: a half. And the start of the situation where everything
Speaker 7: goes wrong where somebody slept with someone in the work
Speaker 7: place and you know they have to go to court
Speaker 7: and testify and relive the trauma's And that's the other
Speaker 7: issue too, is that the type effectair department that you
Speaker 7: have could complicate your dealing journey as well.
Speaker 2: During that time, people hear this, Okay, I've been married
Speaker 2: a while, I have a lot at stake. Everyone I
Speaker 2: know who's been divorced and remarried is happier, But at
Speaker 2: the same time they lost a lot financially, emotionally and
Speaker 2: otherwise in the interim. Do you reckon how men people
Speaker 2: stay apart at that point, separate residences, things like that
Speaker 2: until this issues are resolved, if they ever can be resolved.
Speaker 7: I think if people are trying to engage in fidelity recovery,
Speaker 7: if they're able to be physically and emotionally safe in
Speaker 7: the same counsehole, it's important for them to be staying together.
Speaker 7: Why is that Because if you are the betrayed partner
Speaker 7: and you found out the partner has been shooting on
Speaker 7: you and now you're only separate houses, if your mind's
Speaker 7: going to be wondering are they seeing the fair partner?
Speaker 7: Are they impacted by this and they feel guilty? Do
Speaker 7: they feel ashamed? So you don't want the betrayed partners
Speaker 7: to feel alone and isolated in their trauma. But also
Speaker 7: they need to discover this together, right because it's a
Speaker 7: team decision. They have to figure out why this happened
Speaker 7: and decide whether or not they want to work in
Speaker 7: this relationship.
Speaker 2: And that's easier said than done because often cases we're
Speaker 2: not mature. We should be mature, but we're not.
Speaker 7: Absolutely And then that's one I always tell people, like
Speaker 7: you know, when you discover in fidelity, to come women
Speaker 7: to stake couple's make they involve their kids in this,
Speaker 7: and that's very tragic, right, And when I say kids,
Speaker 7: not just like you know, little ones and sometimes even
Speaker 7: you know, younger adults can be impacted by this because
Speaker 7: you know, if you see this happening here, you know
Speaker 7: you have siblings who end up choosing sides and their relationship.
Speaker 7: What could be impacted? You have that it's growing up
Speaker 7: not knowing what is healthy relationship look like, so can
Speaker 7: cause all this damage.
Speaker 1: Yeah, yeah, I understand that.
Speaker 2: And because you're trying to gain allies, and often with
Speaker 2: people who are divorced, right, you have the couples friends
Speaker 2: that you had before, and so they've got it. You
Speaker 2: have to friends to feel like they have to choose sides.
Speaker 2: I can't imagine being a family member.
Speaker 7: And I can't tell you this time that you know
Speaker 7: anybody can tell you from the from the sidelines how
Speaker 7: to live your life. Those people are going to move
Speaker 7: on and you're going to be dealing with the consequences
Speaker 7: of choices that you make. So people decision about the
Speaker 7: future should not be motivated by external factors.
Speaker 2: Yeah, but I'll tell you what, man, Yes, you look
Speaker 2: at all the problems. When you wide up sploit him,
Speaker 2: you may be happier and maybe in a better place
Speaker 2: at some point where there's a lot of things, a
Speaker 2: lot of baggage I know from folks who've been divorced
Speaker 2: that they still carry and had to go through to
Speaker 2: get where they are today. Doctor, I'll a seem unfaithful
Speaker 2: and unrepentant affairs to beyond the hope of a and
Speaker 2: in fidelity. In for Julie Hattershare this morning, it's Mental
Speaker 2: Health Monday, talking about some relationships can't possibly be resolved
Speaker 2: after being unfaithful, committing adulterer in fidelity.
Speaker 1: Thanks so much for joining the show. I appreciate it,
Speaker 1: my pleasure.
Speaker 2: Julie back next Monday, Mental Health Monday. Julie Hattershare at
Speaker 2: beconnected dot Care by the Way news update and then
Speaker 2: when return was a shutdown a breaking.
Speaker 1: Point for politics.
Speaker 2: You would hope so, because in about what ten weeks,
Speaker 2: we will do it all over again unless there's some
Speaker 2: sanity restored to our government. She's Victoria Churchill, and she
Speaker 2: has studied this issue. We'll find out exactly what the
Speaker 2: likelihood of doing this all over again in just a
Speaker 2: few short weeks is, like January thirtieth, so by February
Speaker 2: we could be doing this all over again. Sloaney home
Speaker 2: of the best Bengals coverage, win or lose or in
Speaker 2: this case loser lose? Seven hundred W Dowty, Cincinnata.
Speaker 1: Do you want to be in a mad.
Speaker 7: What's up?
Speaker 1: Floony? Back on seven hundred WLW.
Speaker 2: With the record forty three day federal shutdown behind us,
Speaker 2: we can look forward to about ten weeks from now
Speaker 2: when we do it all over again because we're stupid
Speaker 2: like that?
Speaker 1: Or will we? Hopefully some answers here.
Speaker 2: Victoria Churchill, political reporter for the US Daily Mail, also
Speaker 2: a contributor with The Young Voices. Welcome back, How.
Speaker 1: Are you hey?
Speaker 8: Doing well?
Speaker 3: Always great?
Speaker 6: About to be back on with you.
Speaker 2: Yeah, so handicapped for this this for me, Victoria, inside
Speaker 2: the Beltway, What are the odds are we going to
Speaker 2: do this again in ten weeks January thirtieth.
Speaker 8: Well, I will say I hope that senators and representatives
Speaker 8: are smarter than that, But that also means that we
Speaker 8: are expecting them to be smarter than that, which I
Speaker 8: think may be a little.
Speaker 1: Bit of a tall order. No, it's I We'll see
Speaker 1: it feels like a coin flat.
Speaker 2: You've felt though as long as this was, and how
Speaker 2: many people really felt it in the last few days
Speaker 2: of this thing. Look at airports, look at snap recipients.
Speaker 2: I mean a lot what's going on here? A lot
Speaker 2: of people already feeling the squeeze with the economy more
Speaker 2: so now with this. I get that it's palpable, and
Speaker 2: you think, hey, maybe we put a not a foot,
Speaker 2: but maybe a little toe over the line.
Speaker 1: With the forty three days.
Speaker 2: Doing it again so soon seems like an exercise not
Speaker 2: only in futility, but insanity. And yet it's set up
Speaker 2: to do that simply because well, let's start with it.
Speaker 2: Let let's get into the whys here. And of course
Speaker 2: I think you need two strong parties in order to
Speaker 2: come to some sort of compromise in terms, and right
Speaker 2: now the Democrats are very very.
Speaker 1: Weak in this regard.
Speaker 8: The Democrats are definitely very weak. And I mean, I'm
Speaker 8: sure you've talked with other guests on your show about
Speaker 8: just the failure of leadership from Chuck Schumer, the Senate
Speaker 8: minority leader. He's being you know, really reprimanded by members
Speaker 8: of his own party. There's kind of been some tensions
Speaker 8: really throughout the second Trump term where Democrats have been
Speaker 8: upset that he has caved to Trump and Republicans demands.
Speaker 8: But you know, this is just really the latest iteration
Speaker 8: of this. You've had groups like the Young Democrats in
Speaker 8: New York as well as nationwide calling for kind of
Speaker 8: a rebuke consumer but even groups like Our Revolution, you know,
Speaker 8: that's a Democrat, socialist, burning standards aligned grassroots group on
Speaker 8: the left, and they're calling for Schumer to go. You've
Speaker 8: also got other, you know, other members of his caucus
Speaker 8: and his party on Capitol Hill. You know, two of
Speaker 8: the more prominent ones that I can think of is definitely,
Speaker 8: for example, comic women Jasmine Crockett from Texas. She's been
Speaker 8: one to speak out against Schumer. And then I have
Speaker 8: even some of his Senate colleagues. So you know, as
Speaker 8: a minority leader, you're supposed to be able to hold
Speaker 8: your caucus together, and that's something that Schumer failed to do.
Speaker 8: I think definitely. Jeffries also in the House to an extent,
Speaker 8: because of course the House did have to vote to
Speaker 8: pass the Senate version of the package, but at least
Speaker 8: the initial passage of the funding bill. You know, no
Speaker 8: Democrats supported it in the initial stages in the House.
Speaker 4: So you know, I think.
Speaker 8: Schumer's really bearing the brand of this. And you know,
Speaker 8: at the end of the day, if he wanted to
Speaker 8: dig his the end and really at the end of
Speaker 8: the day, accomplished nothing for his party for American people,
Speaker 8: that's really what he won is accomplishing nothing.
Speaker 2: Yeah, and you look at the you know, the essentially
Speaker 2: the people are the party. But look at Mamdanie in
Speaker 2: New York and what just happened in Portland, but specifically
Speaker 2: in New York City is that you have a socialist
Speaker 2: who's going to be the next mayor of the City
Speaker 2: of New York. And all that is is it's it's
Speaker 2: the Democrats version of populist. It's the progressive populism, is
Speaker 2: what it is. Like Trump is a conservative populace sure, and.
Speaker 8: I mean here's the thing with Mom Donnie, right, something
Speaker 8: that actually sound quite interesting is that he actually lost
Speaker 8: the demographic of the poorest New Yorkers, which I think
Speaker 8: just goes to show that he is not going to
Speaker 8: be the mayor for the common man. He's going to
Speaker 8: be the mayor for you know, these Ivory Tower College
Speaker 8: graduatests that are just burdened with student debt and who
Speaker 8: think that life is just super unfair and that they
Speaker 8: should get handouts instead of a handout.
Speaker 2: But at the same time, I know he was rallying
Speaker 2: immigrants to his cause as well. And just the way
Speaker 2: he ran his CA campaign and very untraditional, totally social
Speaker 2: media and organic kind of thing, didn't he do well
Speaker 2: with immigrants?
Speaker 8: He did to an extent. I think it's also interesting
Speaker 8: to note that it's uh and you know, I think
Speaker 8: we've actually seen this in both parties. Is not your
Speaker 8: first generation immigrants, but your second generation immigrants and how
Speaker 8: they fall politically. And so I saw a report, I
Speaker 8: forget who's the news outlet. It might have even been
Speaker 8: up at the Daily Mail, but not not one hundred
Speaker 8: percent surround that. But I saw one report where you know,
Speaker 8: there was a Chinese mom a Chinese immigrant mom who
Speaker 8: was absolutely flabbergasted that her children had voted for Mom
Speaker 8: Doami because she came from communism, right, she knows that
Speaker 8: this government control of everything is a horrible idea. Yet
Speaker 8: just one generation later, living in America, her children have
Speaker 8: absolutely forgotten what you know, their parents fled and why
Speaker 8: their parents came to America to through the American dream
Speaker 8: and to know, participate in our system of democracy. And so,
Speaker 8: you know, I think you really say that split is
Speaker 8: that you know, for example, you had I thought clips
Speaker 8: like this all over social media. You know, you had
Speaker 8: a group of Muslims against mom Dommy. Yeah, uh, you know,
Speaker 8: speaking out saying, you know, he doesn't represent us. You
Speaker 8: know we we came from countries where shari Allah is
Speaker 8: a thing, and guess what this is why we live
Speaker 8: in America because we don't want this and we don't
Speaker 8: want these values to be you know, combined with government.
Speaker 8: And so I think it's really interesting to note, you know,
Speaker 8: there's I think it really is that you know, kind
Speaker 8: of second maybe even third generation of immigrants that maybe
Speaker 8: have kind of you know, my generation, and even jen
Speaker 8: AffA will play I think they've kind of lost the
Speaker 8: plot a little bit.
Speaker 2: Yeah, and Victoria on that too, you know, socialists in
Speaker 2: New York and Portland, and you know, giving more rise
Speaker 2: to AOC. That's not the solution though, for the top leadership,
Speaker 2: federal leadership anyway, simply because that is not going to
Speaker 2: play outside of those cities, outside urban areas. That's no
Speaker 2: way that's going to play, and that they're doomed if
Speaker 2: that's the direction they're at it, aren't they?
Speaker 4: You know, I think so.
Speaker 8: And I think it's interesting to note just yesterday on
Speaker 8: CNN rom Emmanuel of course, the Fromer mayor of Chicago,
Speaker 8: former Congressman Fromer Obama administration official. He's somebody that's really
Speaker 8: presenting himself as a potential candidate.
Speaker 4: For the Democrats in twenty twenty eight.
Speaker 8: And you know, even he said that his party needs
Speaker 8: to figure out what they're actually for versus just being
Speaker 8: against Donald Trump and against everything.
Speaker 6: That he stands for.
Speaker 8: And you know, I think that was honestly a little
Speaker 8: bit refreshing to hear that. And then also Gavin Newsom,
Speaker 8: of course, governor of California, he also said that, I
Speaker 8: think the exact line was that the Democrat Party needs
Speaker 8: to be a mansion to mom dommy party. So you know,
Speaker 8: he realizes that the coalition, if the Democrats want to
Speaker 8: win in twenty twenty eight, has to be big, it
Speaker 8: has to be broad, and so they can't have these
Speaker 8: ultra progressive, progressive populous that are gaining notoriety. I would
Speaker 8: even argue, not he's necessarily same, but just really true notoriety.
Speaker 8: They can't have them as a figurehead of their party
Speaker 8: because that's not going to play. And those you know,
Speaker 8: those you always talk about the swing states, that's primarily
Speaker 8: what I covered in the last election in twenty twenty four.
Speaker 8: That's not going to play in a bunch of those communities.
Speaker 2: Victoria Churchill's political report. Usaly Mail also contributed for Young Voices.
Speaker 2: Joined the show this morning and talking about the next
Speaker 2: shutdown in about ten weeks because obviously, as divide as
Speaker 2: we are, and what the the powers that be simply
Speaker 2: what happens, what happens with Schumer, we'll see who knows.
Speaker 2: At this point, you'd expect there'd be some change in
Speaker 2: the next few weeks, but that sets up another that's
Speaker 2: such another fight. And I look at this and go,
Speaker 2: I'm not quite sure who won the shutdown. It's it
Speaker 2: feels like a myth to me that both parties are
Speaker 2: claiming victory, but in blaming the other, what do you
Speaker 2: think people buy?
Speaker 8: Well, I think I heard this said quite well yesterday,
Speaker 8: is that the Republicans one in terms of pol seeds,
Speaker 8: but Democrats won very slightly in terms of public opinion.
Speaker 8: And I think that's the best way to sum it
Speaker 8: up is that Democrats caved on absolutely nothing. But also
Speaker 8: I think it's important to note that this continuing Resolution
Speaker 8: government funding package is actually not conservative in the slightest.
Speaker 8: It is a continuing resolution, so it is a continuing
Speaker 8: of Biden era federal spending. And another point that well,
Speaker 8: I guess i'll correct myself a little bit. The one
Speaker 8: thing that the Democrats did went on is that they
Speaker 8: are having the reversions of the reductions of force. So
Speaker 8: people that had their jobs cut over the course of
Speaker 8: the shutdowns, they now are getting those jobs back. And
Speaker 8: so you know, we've been talking about the throughout the
Speaker 8: entire Trumps administration so far about all these wonderful dog's
Speaker 8: cups and how that's going to save people money. Democrats
Speaker 8: were able to put their foot down and say we
Speaker 8: actually want these.
Speaker 4: People to keep their jobs, which I thought was a
Speaker 4: little bit interesting.
Speaker 2: Yeah, that is interesting. You know, federal workers alway support Democrats.
Speaker 2: Nothing new there in those big unions. But the subjects,
Speaker 2: the guarantees on subjects is what they gave up to me.
Speaker 2: That's the big one here, and I've talked about before,
Speaker 2: is that Democrats are taking money from a different pile
Speaker 2: than transferring it to make healthcare affordable, which it's not.
Speaker 2: But only if Republicans had a plan that would be great,
Speaker 2: because they just talk about how bad it is. But
Speaker 2: we've had what it's been ten fifteen years and they
Speaker 2: still want to repeal and replace, but they don't have
Speaker 2: a plan. I mean, how long does it take for
Speaker 2: the GOP to come up with a healthcare plan that's
Speaker 2: better than this? And why don't they do it?
Speaker 8: Yeah, you know, that's a great question, and that's definitely
Speaker 8: a debate that's going to be raging on top of
Speaker 8: the hill over the next few weeks. That's when I'm
Speaker 8: going to be falling very closely, so you know, for
Speaker 8: all your listeners, be sure to follow my work at
Speaker 8: Dailymail on that. But I actually do want to make
Speaker 8: a quick note on terms of the unions. I actually
Speaker 8: thought this was very interesting from the President with these signs, Yeah,
Speaker 8: you know, to build a reels in the government. It's
Speaker 8: he actually thinks the unions, he thinks the AFGE, the
Speaker 8: American Federation government employees, as well as groups like the
Speaker 8: police unions. He actually thanks them for putting pressure on
Speaker 8: Democrats reop in the government. So I thought that was
Speaker 8: a very interesting note from him, in a very interesting
Speaker 8: move from those groups previously, because again the AfD Government
Speaker 8: Workers Union, they were actually one of the major groups
Speaker 8: that started putting pressure on Democrats about a week to
Speaker 8: ten days before the shutdown ended.
Speaker 2: You know, the term unsustainable brinkmanship has been used here,
Speaker 2: and so what does a sustainable aproach look like? Is
Speaker 2: there any political incentive free the party at this point
Speaker 2: to pursue a long term budget entitlement reform revenue solutions
Speaker 2: or is this just the way it's going to be
Speaker 2: for the rest of our lives.
Speaker 8: Well, you know, I would hope that some of these
Speaker 8: guys in Washington would come to their senses, but they
Speaker 8: of course like yelling at each other. They like yelling
Speaker 8: at each other through the TV screens. So I'm not
Speaker 8: sure if we will actually get something like a long
Speaker 8: term budget. But I also do know that the Trump
Speaker 8: administration is looking and has again been talking about for
Speaker 8: the entirety of their time in office, about long term
Speaker 8: cuts that can lead to a balanced budget. You know,
Speaker 8: we've had talked about the you know, the tariff revenue
Speaker 8: potentially going to pay down some of the national debt. Personally,
Speaker 8: I would love to see if they've spent on that
Speaker 8: instead of those two thousand dollars tecks, even though you know, personally,
Speaker 8: of course I'd love the two thousand dollars tecks. But
Speaker 8: you know, I think long terms for the country, it
Speaker 8: would really, uh really set us up for success if
Speaker 8: we are able to pay down some of that debt.
Speaker 8: And you know, of course, I think the thing that's
Speaker 8: interesting to note is that lots of state governments actually
Speaker 8: do know how to pass balance budgets.
Speaker 4: So you know, it's not like the.
Speaker 8: American system is so terrible that nobody can figure out
Speaker 8: anywhere how to balance the budget. And you know, maybe
Speaker 8: maybe not in this current administration, but I'm sure in
Speaker 8: twenty twenty eight, on the Republican side, I'm sure we'll
Speaker 8: see a couple of governors running for office that actually say, hey,
Speaker 8: I know how to work with people that may not
Speaker 8: necessarily like me, but to actually have you know, that
Speaker 8: boon to the tax there. And you know, I think
Speaker 8: he's done somethings great, something's not so great. But Glenn Youngkin,
Speaker 8: my governor Virginia, I think he's actually a pretty good
Speaker 8: example of that. He's had to work with a legislature
Speaker 8: that at least expas at least a part of his
Speaker 8: term has you know, been a Democrat, right, but legislature
Speaker 8: as opposed to of course him being the Republican governor.
Speaker 8: And we've actually gotten rebate tech back into the pockets
Speaker 8: of Virginians with a balanced budget. So you know, maybe
Speaker 8: not an immediate term, but that's actually just an example
Speaker 8: of the fact that you actually can't have both. You
Speaker 8: can you know, fund your your state services, but you
Speaker 8: can also send money back to the factors.
Speaker 2: The shutdown all over ACA Affordable Care Act subsidies is
Speaker 2: ten weeks too short a period for the Republicans to
Speaker 2: come up with, Okay, fine, we're going to we're going
Speaker 2: to do this battle again. We're going to replay it
Speaker 2: and run it back. Is that enough time for them
Speaker 2: to actually come up with a plan that's a better alternative.
Speaker 2: If they couldn't do it in a decade decade and
Speaker 2: a half, could they do it now?
Speaker 8: Well exactly, I think you're hitting the nail on the
Speaker 8: head here. Why do something in ten weeks from you
Speaker 8: haven't done it in ten years? You know, if the
Speaker 8: only answer might be political pressure, is that going to
Speaker 8: be enough?
Speaker 1: I'm not sure.
Speaker 8: And again I don't know if the administration is willing
Speaker 8: to lead on this. At least the way that I'm
Speaker 8: seeing it is the legis the administration actually kind of
Speaker 8: took a back seat in.
Speaker 4: Terms of negotiations.
Speaker 8: At least I wasn't aware of them, you know, really
Speaker 8: pulling any lovers behind the strings. This really seemed to
Speaker 8: be the you know they call them the Big four, right,
Speaker 8: that's you know, Schumer, Soon, Jeff Brees, and Johnson. It
Speaker 8: really seemed like they were doing a lot of the
Speaker 8: negotiations as well as you know, I think maybe the
Speaker 8: administration did have some play in terms of for example,
Speaker 8: the I did here. For example, Senator Katie Britt of Alabama,
Speaker 8: she actually called the White House to get those those
Speaker 8: risks that we just talked about, to get those in
Speaker 8: the in the budget package to get people like Kim
Speaker 8: Kaine on board. So, you know, I think there was
Speaker 8: a little bit of that, but I think they were
Speaker 8: more of like a yeah, Okay, we can do this
Speaker 8: versus this is exactly what we want and these are
Speaker 8: the demands that we have. And so maybe if the
Speaker 8: administration is willing to kind of wheel and build behind
Speaker 8: the scenes, which you know, I think we know that
Speaker 8: they are able to do that. I think we saw that,
Speaker 8: for example with the Big Beautiful Bill. I think I
Speaker 8: had some lines that I've reported actually both out of
Speaker 8: the House and the Senate that you know, the White
Speaker 8: House was kind of the closer and the deal maker
Speaker 8: when it came to the Big Beautiful Billy. You know,
Speaker 8: I think they know how to be involved legislatively and
Speaker 8: know how to drive traffic, but I don't really think
Speaker 8: they did that on the shutdown. So I think if
Speaker 8: they're able to kind of get their demands and be
Speaker 8: in the room, maybe that's something that could actually leave
Speaker 8: lead Congress to get there, you know, get their ducks
Speaker 8: in a row.
Speaker 1: All right.
Speaker 2: Victoria Churchill, she's at USDLAIL Political Report also with Young Voices.
Speaker 1: And why don't we table it? And we'll have the
Speaker 1: same exact conversation about ten weeks. How's that sound.
Speaker 8: Well, yeah, absolutely, and hopefully let's say catch up sooner
Speaker 8: while I try and figure out what's going to happen.
Speaker 4: No care on capital.
Speaker 1: All right, I appreciate it. Thanks for the inside Victoria,
Speaker 1: Thank you.
Speaker 4: Great.
Speaker 2: We'll do a news in a few minutes here in
Speaker 2: the Big one seven hundred WLW, and then you heading
Speaker 2: to the lunch hour. He needs something to talk about.
Speaker 2: Arm yourself with the facts, the information. James Rapeene from
Speaker 2: Locked on Bengals and Bengals Talk dot com well rehashed
Speaker 2: the horrible lopsided loss yesterday when the by the way,
Speaker 2: with the Bengals, you've got you got the backup quarter
Speaker 2: ry back in for the second half in Mason Rudolph.
Speaker 2: You got a terrible Steelers defense. I mean they're they're
Speaker 2: really bad. Maybe not Bengals bad, but pretty close. And
Speaker 2: you still put that effort in that we saw yesterday.
Speaker 2: The offense gave up fourteen points. The defense played well decent,
Speaker 2: not great, but okay, and yet the offense is the
Speaker 2: one who gave up fourteen points. And at what point
Speaker 2: does this, you know, start looks like it's starting to
Speaker 2: the defense is starting to infect the offense. And at
Speaker 2: what point do you simply have to move on from
Speaker 2: Zach Taylor and Duke Tobin? And what about Joe Burrow?
Speaker 2: That's next seven hundred. It's the stats loan shows seven
Speaker 2: hundreds WLW licking our wounds after the beatdown yesterday administered
Speaker 2: that Hans the Pittsburgh Steelers thirty four to twelve. Bengals
Speaker 2: now sit at three and seven, meaning they've dropped seven
Speaker 2: of their last eight after that two game two and
Speaker 2: oh start and at next up back to pay Corps
Speaker 2: for Derek May and the first place New England Patriots.
Speaker 2: How we looking We're looking like it's over. James Repeat
Speaker 2: is here from Lockdown Bengals and Bengals Talk dot Com
Speaker 2: at s I. James, welcome. How's your head today?
Speaker 1: Not good?
Speaker 4: Right?
Speaker 3: Not good?
Speaker 4: No, it's of course, you caught me taking a drink
Speaker 4: of water, Scott. No, it's good, it's good. It's it's
Speaker 4: actually clear. And here's why we know who the twenty
Speaker 4: twenty five Bengals are. And when you know that, you
Speaker 4: can think pretty clearly. But yeah, it's obviously not the
Speaker 4: ault that a lot of people listening, were expecting to
Speaker 4: get this year or hoping to get yesterday.
Speaker 2: You come off the buy the Steelers d is, by
Speaker 2: the way, near the bottom in the average of the league.
Speaker 2: I think the twenty eight twenty nine do you get
Speaker 2: their backup quarterback for the second half and Mason Rudolph
Speaker 2: the cast off and you still lose by three touchdowns.
Speaker 2: You know, that's on Zach Taylor, and that's the lack
Speaker 2: of defensive talent, and that's on Duke Tobin. And yet
Speaker 2: at what point does this organization make a change? I
Speaker 2: feel it's there's no way they can lead this team
Speaker 2: in the future.
Speaker 3: Is there.
Speaker 4: It's a good point, the Mason Rudolph point. And I
Speaker 4: almost think there was so much that happened during that
Speaker 4: game that stood out that people forget. That wasn't Aaron
Speaker 4: Rodgers out there completing seventy five percent of his passes
Speaker 4: in the second half and marching up and down the field.
Speaker 4: And that's where it's just so unacceptable. Is Mason Rudolph.
Speaker 4: All he had to do was throw it two yards
Speaker 4: downfield and then whoever was catching it. But there was
Speaker 4: Kenneth Gangwell, Darnel Washington. It didn't matter guess what those
Speaker 4: guys were doing. They were breaking tackles, they were scoring touchdowns.
Speaker 4: In Kenneth Gainwolf's case, they were humiliating multiple members of
Speaker 4: your starting defense. And so the answer is, yes, everyone
Speaker 4: should be embarrassed. I think the seats are hot, or
Speaker 4: at least they should be hot. And in how do
Speaker 4: you readout? Because that was a must win game and
Speaker 4: not just they must win game for us, like something
Speaker 4: I said on my platforms. No, that's how the Bengals
Speaker 4: approached it internally. Hey, Joe Burrow's getting close. If we
Speaker 4: win this game, we're only a game back in the division.
Speaker 4: We have two matchups against Baltimore. Let's get this game.
Speaker 4: And they came out, scored twelve points, had far more
Speaker 4: than twelve miss tackles. And anytime you have more tax
Speaker 4: than miss tackle open points, guess what, you have no
Speaker 4: chance And they certainly had no chance.
Speaker 1: Yeah, and it's the deep.
Speaker 2: You look at the score, right, it's typically you go, okay, well,
Speaker 2: what did Pittsburgh change defensively in scheme and personnel and coverage?
Speaker 2: And they shut Ja March down more than that in
Speaker 2: the second with his suspension that he's probably facing.
Speaker 1: But I look at it.
Speaker 2: They allowed fourteen points on offense. It was the defense collapsing.
Speaker 2: That was the offense collapsing, which is well.
Speaker 1: That's new.
Speaker 4: It is new, and I'm not shocked. I'm not shocked.
Speaker 4: It was a really weird debate that I had to
Speaker 4: have last week with some Bengals fans, like, hey, Joe
Speaker 4: Burrow makes this team better. And I thought I was
Speaker 4: in weird, weird land that I had to say that
Speaker 4: to people, because I know how great Joe Burrow is
Speaker 4: and Joe Flacker has been good. But I also understand
Speaker 4: that he's Joe Flacmow and we have twenty years of
Speaker 4: what he is as a quarterback, and so yeah, he
Speaker 4: took a little bit of a step back yesterday. It
Speaker 4: wasn't just him, of course, I think the Jamar thing
Speaker 4: to me that speaking of stuff that falls on Dak,
Speaker 4: all right, well, what's your next pitch? If they do
Speaker 4: take Tamar Chapes away, Either find a way to get
Speaker 4: him the ball anyway, or two, make sure t Higgins
Speaker 4: or andre Yosabash or insert whoever else it is open
Speaker 4: and gives Joe Flacos some easy reads and easy ways
Speaker 4: to get the ball out of his hand. And they
Speaker 4: clearly didn't do that after that opening drive touchdown, and
Speaker 4: really for most of the second half, they could not
Speaker 4: get Mo rhythm on offense, and that's up to Zach
Speaker 4: to find those answers, and they weren't able to find
Speaker 4: the answers on offense. And I knew they would come
Speaker 4: back to earth a little bit on offense. But yeah,
Speaker 4: scoring twelve points, you have no chance to win many
Speaker 4: games in the NFL and.
Speaker 2: Losen to a backup and it's so disheartening, right, And
Speaker 2: so now the question is, Okay, you've got New England
Speaker 2: come of to town. Okay, you'd have to win six
Speaker 2: of your last seven for even a shot at the
Speaker 2: division title. And you've got New England, you got Baltimore twice,
Speaker 2: they're rolling Buffalo one yesterday. Miami has been playing much
Speaker 2: better than Miami has in years past. And so do
Speaker 2: you see a path here? Because I don't.
Speaker 4: No, No, yesterday was it. And I think internally they
Speaker 4: viewed it that way too. And the reason I keep
Speaker 4: saying that is because I really want to hammer home
Speaker 4: what they were, what they were preaching, and how they
Speaker 4: were preaching it Still alive, Let's get this game in
Speaker 4: Pittsburgh and see how it shakes out. Well, you never
Speaker 4: had a lead, you know, it was it was so bad.
Speaker 4: It was like to me after the game, Zack Taylor said,
Speaker 4: the score wasn't indicative of the game like and how
Speaker 4: the game went. And I thought about it, and yeah,
Speaker 4: there were times obviously there was seven to six at
Speaker 4: one point, ten to nine at one point. I never
Speaker 4: felt like the Bengals were in control. I never felt
Speaker 4: like they were the better team yesterday. And that doesn't
Speaker 4: mean that they weren't in it at point. That doesn't
Speaker 4: mean that they couldn't have found a way to get
Speaker 4: the lead at it and point. I get that, I
Speaker 4: understand that, but there's a difference between that and being
Speaker 4: in control, and they never were. And so I think
Speaker 4: the score certainly indicated how the game went and who
Speaker 4: was the better team for sixty minutes, And that's that's concerning.
Speaker 4: At least I would be concerned if I was ownership
Speaker 4: about that, because that was the game and that's the.
Speaker 2: Performance you got, you know it, it was a punt fest,
Speaker 2: and so it was I think the last drive of
Speaker 2: the first half, Washington's angry run with less than a
Speaker 2: minute in the first half, he leveled three Bengals for
Speaker 2: thirty one yards. That is, if you're to look at
Speaker 2: this season on microcosm of things, that was the inability
Speaker 2: to tackle and block is incredible at this level for
Speaker 2: this team. The pun ended with Pittsburgh down at there
Speaker 2: on seven yard lines and they were able to convert
Speaker 2: that move about eighty four yards and under two minutes
Speaker 2: and took a shot at the end zone before the
Speaker 2: field goal. Now it was what ten six at the half,
Speaker 2: Chase brown legs get them to ten to nine, and
Speaker 2: so for the longest time it felt, hey, this game
Speaker 2: is not a reach at all. And then the second
Speaker 2: half comes along and usually it's defensive collapse, but we
Speaker 2: saw a complete collapse of the offense in that regard,
Speaker 2: and so you wonder if what's going on in the
Speaker 2: football club the defense has now permeated to the offense.
Speaker 2: And look at this will time somewhat with Jamar Chase's actions,
Speaker 2: where now it looks like he's looking at at least
Speaker 2: a game suspension for the spit and getting physical with
Speaker 2: Jalen Ramsey. So does that attitude then transfer to now
Speaker 2: the offense. It's it's like an infection. It feels like,
Speaker 2: am I wrong?
Speaker 4: Well, no, losing is an infection, and when you're losing
Speaker 4: and you're frustrated and you look up and you're just
Speaker 4: not getting anything going, well, it is frustrating. I honestly
Speaker 4: don't know why Jamar gives Jalen the time of days.
Speaker 4: Jalen Ramsey is not as nearly the player that he
Speaker 4: used to be, and you had to switch positions, and
Speaker 4: all I would call him is an old man that
Speaker 4: had to switch positions, and that would be it. But
Speaker 4: they clearly got in his head, and that, to me,
Speaker 4: that's concerning because I think Jamar Chase is mentally tough,
Speaker 4: I really do. And so if you get in his
Speaker 4: head and what's going on where he's rattled that the
Speaker 4: team isn't moving the ball, like how bad is it?
Speaker 4: And so to your point, like, yeah, the defense finally
Speaker 4: shows up for a half, I'm not going to give
Speaker 4: them credit for not being able to stop me. Some
Speaker 4: Rudolf fish up for a half, they give up ten points,
Speaker 4: still can't tackle Scott Sloan, let alone start in Washington.
Speaker 4: And then on the other side you have a washed
Speaker 4: up Jalen Ramsey. And I'm not trying to say that,
Speaker 4: like the pick sides, I just mean going into Sunday's game,
Speaker 4: I really wasn't worried about Jalen and he shouldn't be
Speaker 4: good at He shouldn't be good enough to disrupt any
Speaker 4: game plan you have, right, Jamar Chasen C Higgins And
Speaker 4: so I don't know what the Steelers did to take
Speaker 4: those guys away, but that that really shouldn't happen, and
Speaker 4: yet it did because he didn't do much after his
Speaker 4: his touchdown catch either. But yeah, for for Jamar to
Speaker 4: be that rattled, that's that's the league guy that you
Speaker 4: were turning to. And it does show where his head
Speaker 4: at and probably where the team is that to a
Speaker 4: lesser extent, knowing what they they knew and by the way,
Speaker 4: in that moment, I did think, I was like, all right,
Speaker 4: well maybe this will be a turning point where you're down,
Speaker 4: You've been down through the office game. You get the
Speaker 4: fifteen yard penalty, you're in scoring range. And then they
Speaker 4: settled for a field and they had to take two timeouts,
Speaker 4: and they had analty in attack, and instead of going
Speaker 4: and getting a touchdown and goving some momentum with jam
Speaker 4: and Ramsey out, it was sort of the opposite. The
Speaker 4: Steelers defense was even better, even harder to deal with,
Speaker 4: and in the Bengals they could not could not get anything.
Speaker 2: Going on off of Pittsburgh converted seven to thirteen third downs,
Speaker 2: including multiple third and longs. And then Barrett Carter at
Speaker 2: the end talked about, well, this should be ended on defense.
Speaker 2: But I'll look at Barrett Carter. He got the green
Speaker 2: die for defensive calls after they got rid of Logan
Speaker 2: Wilson and has continued to struggle.
Speaker 1: So there's your core.
Speaker 2: And then you could talk about how bad Jordan battlings,
Speaker 2: you know, Stone look and the inability to tackle guys
Speaker 2: and yards after tackle, but it's all part of the
Speaker 2: same thing.
Speaker 1: Yeah, and it is.
Speaker 4: It's the the tackles. To me, like a lot of
Speaker 4: people are gonna say Darnel Washington, right, like, oh, he's
Speaker 4: such a big you can't tack Well, then why don't
Speaker 4: the Steelers throw to him every time?
Speaker 6: Right?
Speaker 4: It's because he can be tackled, right, And yeah, he's
Speaker 4: a really good athlete. Throw him out of back, like
Speaker 4: if he's near out of bounce, just make sure he
Speaker 4: gets out of bounce. And you know, Barrett Carter gets
Speaker 4: stiff armed into the ground, and then Gino Stone. It
Speaker 4: was the poorest tackle of I mean he was waiting
Speaker 4: and turning before even coming in contact with Washington. I look,
Speaker 4: I don't really understand why they continue to deal with
Speaker 4: Genos Stone lack of efforts in miss tackles. I think
Speaker 4: Barrett Carter is really searching here and he got shaken
Speaker 4: out of the shoes multiple times. Pat Fryar and Mouth
Speaker 4: got him. Kenneth Gainwell got him. Yeah, And that's what's
Speaker 4: wild is the two leading receivers for the Steelers. Wasn't
Speaker 4: dk Metcalf, it wasn't Calvin Austin. They're speeding young receiver
Speaker 4: and no, no, no, it's Kenneth Gainwell. They're backup running back.
Speaker 4: Seven catches eighty one yards, two touchdowns. And Darnell Washington,
Speaker 4: a tight end that really is kind of like another
Speaker 4: offensive tackle that they use for blocking purposes. But because
Speaker 4: you're so bad at miss tackles, you're so bad and
Speaker 4: not physical enough that that's what you had to deal
Speaker 4: with in Darnell Washington. In a game that had Jamar
Speaker 4: Chase dk Met, captain Te Kakings had the longest catch
Speaker 4: up the game, thirty one yards.
Speaker 2: You're making Dark Washington look like he's you know, prime
Speaker 2: Travis Kelsey or Gronk or something like that.
Speaker 1: That's not the cat.
Speaker 2: He's a good player, but that's not the case. And
Speaker 2: guys are bouncing off of him. And it makes no
Speaker 2: sense until you get back to the central thesis here,
Speaker 2: and that's Zach Taylor and that is certainly Duke Tobin.
Speaker 2: And you wonder how much long this goes on. Or
Speaker 2: let's say that the New England comes in and the
Speaker 2: game goes according to Hoyle and they get smoked. Then
Speaker 2: what I mean, what point do you go, Okay, We've
Speaker 2: got to stop the bleeding here because you're seeing season
Speaker 2: ticket holders jump off the cliff. The lack of interest
Speaker 2: in the football team. They just got the new stadium
Speaker 2: deal put together. It's not a good look that they
Speaker 2: even care.
Speaker 4: They better care because here's why they should care. Like
Speaker 4: if they called me, said James, why should we care,
Speaker 4: Joe Burrows hurt whatever? As someone that has I mean,
Speaker 4: I wrote a book, I wrote End of the Jungle
Speaker 4: Book about the history of the Bengals. They have, Their
Speaker 4: window to win a title should be the most open
Speaker 4: that it's ever been during any part of their franchise
Speaker 4: because right now when Joe Burrow and Jamar Chase and
Speaker 4: t Higgins John on the same team, and it obviously
Speaker 4: doesn't feel that way today, and so that one is
Speaker 4: embarrassing too. You can't screw up your chance to make
Speaker 4: a real run here and to get your Super Bowl
Speaker 4: because you know how hard it is to get and
Speaker 4: you have the quarterback to do it. You do, and
Speaker 4: so do you have the coach to do it? Do
Speaker 4: you have the front office to do it? Do you
Speaker 4: have the scouting part of the department to do it?
Speaker 4: And do you have the rest of the coaching stats
Speaker 4: to do it? Even before we get to all right,
Speaker 4: we'll clear you don't have the players to do it.
Speaker 4: I think you know Stone isn't a good player. I
Speaker 4: don't have to tell you that. Should you really be
Speaker 4: starting two rookie linebackers and Orenburg's probably not, you know,
Speaker 4: it doesn't take a football savant to see them, as
Speaker 4: he said, But the higher level discussions they need to
Speaker 4: be had now because it needs to get fixed. We've
Speaker 4: seen it get fixed in or her To twenty twenty one.
Speaker 4: Look how different they were different as a team, and
Speaker 4: that was without major coaching changes. Yeah, but I definitely
Speaker 4: think that that's something you have to consider as well
Speaker 4: as the coaching part of this, given where you're at
Speaker 4: and given the fact that you're more than likely going
Speaker 4: to go three years in a row now without making.
Speaker 1: It's not acceptable.
Speaker 4: It's not acceptable, and it doesn't even feel like you're
Speaker 4: gonna have a chance in December. Yeah, just to make
Speaker 4: a room.
Speaker 2: Yeah, and it's Taylor, but it's it's just as much,
Speaker 2: if not more, Duke Tobin with the personalities get on defense.
Speaker 2: It's just simply it's not working. What he sees is
Speaker 2: how to whack with what the NFL demands for your players.
Speaker 2: Final question for a James at this rate, what is
Speaker 2: the point of bringing Joe Burrow back?
Speaker 4: And that that's what if they get to three and eight?
Speaker 4: I said it lastly, if they called a three and eight,
Speaker 4: I would not bring him back.
Speaker 1: Why would you?
Speaker 4: And uh So, it's exactly right, And I get it.
Speaker 4: If he's healthy, he wants to play. He's a competitor
Speaker 4: that well. And I think there's one person in that
Speaker 4: building that can have that conversation, and that would be
Speaker 4: Mike Brown. I don't think Zach Taylor is capable of it. No,
Speaker 4: I don't think Dotoga is capable of it. I don't
Speaker 4: think Katie Blackburn or Towards Blackburn is capable. I think
Speaker 4: Mike Brown is someone that can say, look, Joe, you
Speaker 4: can play. We know it, We know you give us
Speaker 4: our best chance. But this is about the twenty twenty
Speaker 4: six Bengals. Now, you aren't going to play. We aren't
Speaker 4: going to activate you in your twenty one day window.
Speaker 4: We know you want to play, and we respect that,
Speaker 4: but this is a decision we have to make because
Speaker 4: we have to evaluate the rest of this rockter, yeah,
Speaker 4: this coaching staff, and see what other changes we have
Speaker 4: to make because we are not going to be We
Speaker 4: are not going to be sitting at home in January
Speaker 4: again next year, right.
Speaker 2: And God forbid, nothing season ending, career ending injury happens.
Speaker 2: I mean again, to look at Washington a couple of
Speaker 2: weeks ago and look what happened next.
Speaker 4: Yeah, and if he reaggravates his toe and it just
Speaker 4: drops his office in training, you just don't want to
Speaker 4: deal with.
Speaker 1: You don't want to do that. But now, what's the
Speaker 1: likelihood Mike Brown has that conversation.
Speaker 4: I think it's good. I do I think Mike. The
Speaker 4: thing that I think Mike is best at and it
Speaker 4: annoys a lot of people and sometimes annoys me when
Speaker 4: it comes to making moves and trades and stuff like that.
Speaker 4: But he does not act with emotion. He's very He's
Speaker 4: like a robot. And so he's not going to overreact.
Speaker 4: After you signed Joe bro to this record setting deal
Speaker 4: and now he's got a calf issue, He's not going
Speaker 4: to say, oh man, you got to get this guy
Speaker 4: on the field. He's not going to do that. He's
Speaker 4: going to do the opposite. He's not going to overreact
Speaker 4: after one loss because he knows it's a long season.
Speaker 4: He's not going to do and I think that's why
Speaker 4: a lot of people like him, and so I think
Speaker 4: he's going to look at this from a that type
Speaker 4: of perspective. Now, is there a chance Joe gets back
Speaker 4: on the field. Sure, you know why. He's even more
Speaker 4: important than Mike Brown. He's the most important person in
Speaker 4: the building, no question, And so could he get his
Speaker 4: way back on the field. Maybe the odds are greatest
Speaker 4: that that does happen. But if they're three and eight,
Speaker 4: I'm not chatting him out there on Thanksgiving and they
Speaker 4: fall to three and nine, and really, what is the point?
Speaker 4: And I do think they're going to be three and nine,
Speaker 4: by the way, maybe with or without Joe Burrow. I'm
Speaker 4: not sure it's gonna matter.
Speaker 2: Yeah, yeah, it's it's over at this point. Thirty four
Speaker 2: to twelve the final yesterday, Pittsburgh, James Rapeene. More on
Speaker 2: this at Bengals Talk dot com and the Daily podcast
Speaker 2: locks on Bengals James, all the best will chat again
Speaker 2: next week, as with the season, will never end. Appreciate
Speaker 2: Appreciate it, buddy, I have a good one, Thanks God,
Speaker 2: appreciate it. I've got to get to news update here momentarily,
Speaker 2: and Willie takes over at twelve oh six. Here, I'm
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