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Speaker 1: This episode is brought to you by P and C Bank.

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Speaker 1: A lot of people think podcasts about work are boring,

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Speaker 1: and sure they definitely can be, but understanding a professionals

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Speaker 1: It might seem boring to safe plan and make calculated

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Speaker 1: what helps you live or more happily fulfilled life. P

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Speaker 1: National Association Member FDIC.

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Speaker 2: Erness What's Up?

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Speaker 1: You ever walk into a small business and everything just

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Speaker 3: You know, I didn't realize seventy percent of Americans don't

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Speaker 3: have college degrees.

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Speaker 4: You know what I mean. I didn't know that.

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Speaker 3: Yeah, so I have to have a college to be successful.

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Speaker 3: But there are a lot of uneducated people in America

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Speaker 3: White people too, a lot of uneducated white people. And

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Speaker 3: I think the politicians are not doing themselves a favor

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Speaker 3: by pandering to uneducated, low skilled workers, by making promises like, Yo,

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Speaker 3: we want to make housing affordable. It's not going to

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Speaker 3: get You can't do that, It's not impossible. You're like,

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Speaker 3: we want to make sure that everybody has ability to

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Speaker 3: get a good job. It's impossible, it's not gonna happen.

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Speaker 3: And that's even when Tim Cook years ago and they

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Speaker 3: was like, you know, he was in front of Concress

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Speaker 3: and they were saying, like, how can we bring all

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Speaker 3: of these jobs that Apple has overseas back to America?

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Speaker 3: And he said, it's impossible. You can't bring them back

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Speaker 3: to America because the price that we can pay people overseas,

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Speaker 3: we can't do it in America. And it's so much regulation,

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Speaker 3: red tape, you got unions, so much stuff. And then

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Speaker 3: from the skills standpoint, the skills are not there as well.

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Speaker 3: So no, I can't. I mean, just gotta be honest.

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Speaker 3: Pricing is not is not going to be affordable. It's

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Speaker 3: only going to go up. I just saw a report

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Speaker 3: that there's more homeless people than ever, ten percent increase

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Speaker 3: fro last year six I'm just thousands homeless people.

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Speaker 4: It's crazy.

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Speaker 3: So yeah, so housing is not going down. It's not

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Speaker 3: gonna I don't care how much affordable housing you try

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Speaker 3: to make or how much rent control. That's that's putting

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Speaker 3: a band aid on a gunshot wound. The overall housing

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Speaker 3: market is only going to continue to cause, like the

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Speaker 3: stock market, housing prices go up. Over the course of time,

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Speaker 3: less jobs will be available, and it's not going to

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Speaker 3: be higher paying jobs. It's not gonna happen. A good

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Speaker 3: job doesn't. There's no such thing as a good job.

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Speaker 3: A good job is being an NBA player. That's that's

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Speaker 3: a good job, you know what I'm saying. Like as

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Speaker 3: far as trying to get a good job, as far

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Speaker 3: as right.

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Speaker 4: If you can break in, but it's really tough to

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Speaker 4: break into.

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Speaker 3: And even tech they had mass layoffs last year right

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Speaker 3: when Meta laid off ten thousand people. Tech jobs are

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Speaker 3: not guaranteed anyway, especially when it comes to AI taking

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Speaker 3: a lot of tech jobs away, people running lean, leaner operations.

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Speaker 3: So we just gotta be honest. This is this is

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Speaker 3: a new age economy. And if you if you're if

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Speaker 3: you're not participating at a high level as an entrepreneur,

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Speaker 3: as an investor in technology, you're not gonna make it.

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Speaker 3: You're not gonna make it. Everybody, everybody's not gonna make it.

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Speaker 3: That that's the harsh reality of life. And I feel

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Speaker 3: like other countries are embracing that. They and they're setting

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Speaker 3: their children up to have mandatory skill sets. They're setting

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Speaker 3: their children up to have less access to things that's

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Speaker 3: not important because they know that they have no choice.

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Speaker 3: Like we still want to, you know, act like it's

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Speaker 3: nineteen fifty and say like everybody deserves a good paying job. Everybody, Yeah,

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Speaker 3: they deserve it, but it's not gonna happen. And the

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Speaker 3: more you feed people that lie, the more it's going

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Speaker 3: to be tougher up for ands, tough for for people

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Speaker 3: to actually survive in this economy for sure. So and

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Speaker 3: that's on both that's on both sides of the our

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Speaker 3: I think just politicians in general, it's you're pandering to people.

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Speaker 3: I understand why you're pandering to them, but mhmm, you're

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Speaker 3: telling people lies really by saying that it's not it's

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Speaker 3: not something that is sustainable. And we have a major

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Speaker 3: problem with a lot of uneducated, low skilled workers in America.

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Speaker 3: We blame we blame migrants for the situation, but we

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Speaker 3: got a lot of issues outside of the migrants. Migrants,

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Speaker 3: that's not that's not the end all, be all. You

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Speaker 3: can you cannot have one migrant come in for the

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Speaker 3: rest of the year. It's still going to where where

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Speaker 3: you're still going to live, Where are you still going

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Speaker 3: to work, where you're still going to Like that's that's

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Speaker 3: not going to solve every single problem by just trying

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Speaker 3: to build a border fence.

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Speaker 5: So even with that, every time I go to Mexico,

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Speaker 5: they told all the Mexicans to build all and the

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Speaker 5: Mexico gonna pay for it. And every time I go

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Speaker 5: to Mexico, I see more white people than ever on

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Speaker 5: international arbertries driving up the prices of homes and other

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Speaker 5: places because the price has gotten too high here in

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Speaker 5: the States, like if you don't have a mortgage or

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Speaker 5: have a plan to be free and clear by the

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Speaker 5: next fifteen years, like by twenty thirty, I was doing.

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Speaker 5: I think I was looking this past weekend, I put

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Speaker 5: in the stock Club the average home price in New

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Speaker 5: York is gonna be nine hundred and ninety eight thousand.

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Speaker 4: That's not that far away. It's not that far away.

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Speaker 3: So for sure, And like you said, I mean, everybody

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Speaker 3: talks about people that are driving up prices in America.

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Speaker 3: Americas are driving up prices all over the.

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Speaker 5: World everywhere else Italy, Rome, Australia, definitely, Mexico, Puerto Rico, yeah,

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Speaker 5: ran the price up on the island, like go it dark,

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Speaker 5: throw a dark yeah, yeah yeah, not be frankly, you said,

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Speaker 5: is it.

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Speaker 2: I just had this conversation of day about affordable housing.

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Speaker 1: I'm like, that's really a subjective turn, because how do

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Speaker 1: you determine what's affordable?

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Speaker 2: Like you can.

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Speaker 1: Go here in white Planes or in anyway in Westchester

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Speaker 1: and a two bedroom is going to cost you three

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Speaker 1: thousand dollars. Now you get it at affordable housing adds

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Speaker 1: like eighteen hundred. If somebody doesn't have a job that's

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Speaker 1: paying over sixty five seventy thousand, and then it's not

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Speaker 1: how do you thirty percent?

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Speaker 2: It just doesn't the math doesn't map.

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Speaker 3: For clarification from from chat GBT, sixty two percent of

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Speaker 3: United States adots do not hold a four year degree.

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Speaker 2: That's what we said. That's not a search engine though,

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Speaker 2: so it's not pulling off.

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Speaker 3: On sixty two percent of Americans do not how to

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Speaker 3: go to Google. It pours it pulls information from.

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Speaker 2: Google, but it's not pulling She said this.

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Speaker 1: That's why I said, you gotta so like take it

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Speaker 1: from Google, take it from a search engine, where that's.

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Speaker 3: Just just well, this is what this is what politicians

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Speaker 3: told me as well. So sixty maybe they sixty two

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Speaker 3: percent of Americans do not have four year degrees. That

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Speaker 3: means thirty eight percent of Americans have four year degrees, right, And.

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Speaker 2: It's still more people, more people don't have them than do.

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Speaker 3: Yeah, I said seventy six, sixty two, it's still of

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Speaker 3: the majority people don't. Majority of American adults do not

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Speaker 3: have four year And like I said, having a four

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Speaker 3: year degree does it doesn't mean that you're not intelligent.

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Speaker 2: Let's just pause there. But and it doesn't mean that

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Speaker 2: it guarantees you anything, No, of course not. But it's

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Speaker 2: just crazy nothing it does.

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Speaker 3: It does speak to a lot of formally uneducated people.

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Speaker 2: Yeah, you know what.

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Speaker 1: But that also ties into the the conversations we just

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Speaker 1: had earlier about investing in Sally May, Like, if it's

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Speaker 1: let's just say it's sixty forty, right, if sixty percent

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Speaker 1: of the people are not accumulating that debt, does that

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Speaker 1: tell you about the future trajectory of that company with

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Speaker 1: the company, right, because that means that that number. I

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Speaker 1: don't see that number swaying increasing.

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Speaker 5: No, Right, I think people going to college has peaked,

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Speaker 5: but peaked.

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Speaker 3: But the course of college is going up. So even

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Speaker 3: if it's less, if you have one, even if the

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Speaker 3: college inflation is two times regular inflation. So even if

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Speaker 3: it's less people going, they're still gonna be borrowing the

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Speaker 3: raising prizey because the price is going up until two

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Speaker 3: times higher than regular inflation.

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Speaker 1: Until people just say I'm not going period, even if

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Speaker 1: you're at that scale, right, Like, at a certain point,

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Speaker 1: I can't go to n YU. Like if my daughter

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Speaker 1: is like and granted, like, we're obviously blessed, but if

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Speaker 1: she's like, let's say an average person who doesn't get

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Speaker 1: a scholarship, A kid has great, it has pretty good grades,

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Speaker 1: and he's like, I want to go to n YU

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Speaker 1: and it's seventy thousand a year and you're talking a

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Speaker 1: four year degree, Like that's tough.

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Speaker 2: That becomes that becomes impossible.

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Speaker 3: Well, what's your options if you don't have a college degree?

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Speaker 4: Well? Google, what's alls all? Google?

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Speaker 5: And Meta said it wasn't mandatory anymore a couple of

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Speaker 5: years ago. That put some waves through that student loan

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Speaker 5: markets and colleges have to do better.

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Speaker 4: But I think we have to start.

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Speaker 3: There's not a lot of high paying jobs. People that

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Speaker 3: are highly skilled that only have high school diplomas in theory. Yes,

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Speaker 3: But what I'm saying is that how many tech software

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Speaker 3: engineers do you know that just taught themselves how to

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Speaker 3: computer code and have never went to college. There are

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Speaker 3: some people that have done that, right, But the vast

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Speaker 3: majority of people that are just getting through high school

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Speaker 3: without a high school degree, without with a high school

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Speaker 3: diploma and have never gone to college or not finishing colleges.

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Speaker 3: These people are not highly skilled workers in the workforce.

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Speaker 3: This is people that I just know firsthand from my

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Speaker 3: just first hand experience. Right, I don't know one person

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Speaker 3: personally that has not graduated from college that is a

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Speaker 3: highly skilled person. I'm not I'm just saying I'm just

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Speaker 3: speaking from just people that I know personally.

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Speaker 2: Yeah, I do.

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Speaker 1: But I would say this this time is so unique

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Speaker 1: because even if they don't have the degree, right, they

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Speaker 1: still have an opportunity with technology to figure out how

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Speaker 1: to do something right. Like YouTube has been again back

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Speaker 1: to the first conversation of how showing you skill. Like literally,

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Speaker 1: there are things that I've watched on YouTube and I'm like, Okay,

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Speaker 1: I'm just gonna study this, right, Like people watch us

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Speaker 1: and say that they're like, yo, I had no idea

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Speaker 1: about this career. I watched that episode and yo, yeah

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Speaker 1: sparked my mind to think, like, oh man, I can

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Speaker 1: do this. Let me go dive down this rabbit hole

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Speaker 1: to figure out more information about that.

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Speaker 2: Now, are you highly skilled? I guess you got to

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Speaker 2: be in the practice of doing it right.

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Speaker 1: But the information is dead of the how Whereas before,

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Speaker 1: if you didn't go to college, it was like I

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Speaker 1: don't know what you're gonna do.

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Speaker 2: Now it's like if you don't go to college, now

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Speaker 2: there's some things you could still do.

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Speaker 3: I mean, I'm just speaking. I'm just a practical person, right.

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Speaker 3: So the average person that has a bachelor's degree earns

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Speaker 3: between sixty five and seventy five thousand dollars a year.

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Speaker 3: The average adult with a high school diploma earns between

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Speaker 3: thirty five and forty thousand dollars a year.

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Speaker 2: It was just a fact.

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Speaker 3: So what I'm saying is that there's always going to

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Speaker 3: be outliers, right, But I'm saying the vast majority of people,

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Speaker 3: education at the highest level still lends you more opportunity

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Speaker 3: to make more money. Right, So having a college degree

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Speaker 3: is still going to give you a better opportunity in

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Speaker 3: the grand scheme of things, to earn more money than

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Speaker 3: you if you just have a high school diploma. You

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Speaker 3: don't need to have a college degree to become a millionaire.

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Speaker 3: You don't need to have a college degree to become

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Speaker 3: a millionaire. Mark Zuckerberg does not have a college degree.

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Speaker 3: But what I'm saying is that for the average American, right,

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Speaker 3: the best pathway forward is still with college, which leads

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Speaker 3: to debt. And being that the majority of people do

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Speaker 3: not have college degrees, well, now you start to see

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Speaker 3: why we're in economic trouble and why the average person

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Speaker 3: is almost a twenty thousand dollars differences. That adds a lot.

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Speaker 5: Yeah, but what do you what do you mean by

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Speaker 5: the n and pay off a car by working in

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Speaker 5: the factory.

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Speaker 4: The people didn't do that. The politicians who sold the

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Speaker 4: shit that you're going to fuck that up?

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Speaker 2: Right, Like, I wouldn't say that those are the people

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Speaker 2: that are in the economic trouble.

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Speaker 3: No, I'm saying when I say economic trouble, saying the

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Speaker 3: whole entire country is in economic trouble. So what I'm

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Speaker 3: saying is that if you earn less money, right, you

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Speaker 3: have the greatest strain on you for housing, for groceries,

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Speaker 3: to buy a car, to put your kids in college,

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Speaker 3: to put your kids in school. Right, So, when you

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Speaker 3: have a lot of people earning less money, right, that's

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Speaker 3: gonna cause a disruption in the ecosystem. So now you

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Speaker 3: start to see, okay, now it makes sense with the majority.

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Speaker 3: If there's twenty thousand dollars difference between people that graduate

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Speaker 3: from college people that don't graduate from college, and sixty

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Speaker 3: five percent whatever of people do not graduate from college,

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Speaker 3: that means the majority of people are just off the

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Speaker 3: bat have a tremendous harder to have a harder time

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Speaker 3: to make money. Right. So, now you got a whole

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Speaker 3: majority underclass of people that's gonna be harder for them

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Speaker 3: to ever rise up, to ever make six figures, to

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Speaker 3: ever become a million. That's gonna be t and it's

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Speaker 3: harder for them right now when multiple generations start to

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Speaker 3: do that, now you have millions and millions and millions

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Speaker 3: of hundreds of millions of people that are all stuck

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Speaker 3: in that same belly. Now it becomes a drain on

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Speaker 3: society and it becomes difficult for those people to move

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Speaker 3: up the economic ladder. As opposed to the people that's

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Speaker 3: highly educated. They might not even become millionaires themselves, but

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Speaker 3: they have a higher trajectory in life to earn more money,

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Speaker 3: and that's going to be more beneficial for society.

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Speaker 5: If I was a debt servicing company, wouldn't it behoove

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Speaker 5: me to lobby to tell people that if you buy

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Speaker 5: this thing for me, you're going to make twenty thousand

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Speaker 5: more And if you don't buy this thing for me,

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Speaker 5: you won't be able to have a white pick defense.

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Speaker 4: We talk about on blackout.

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Speaker 3: But so you're saying that the numbers of us are

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Speaker 3: are not real numbers.

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Speaker 4: Not saying that they're not real.

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Speaker 5: But if I call the chaos as to why, because

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Speaker 5: in the nineteen eighties, even through early nineteen nineties, most

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Speaker 5: families in most cities could have a non degree based

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Speaker 5: job and own a home.

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Speaker 3: But those days are over with the days of working

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Speaker 3: at a factory and becoming.

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Speaker 4: While who caused that? Though a lot of.

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Speaker 3: Things caused it, I think that just the general technology

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Speaker 3: took away a lot of.

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Speaker 2: Jobs, but it also created a lot of jobs.

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Speaker 3: No, it did, but it took away a lot of

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Speaker 3: low skilled jobs. Like before you can go to a

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Speaker 3: power plan, you can do different. You could become a

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Speaker 3: blue collar person and have two cars, have a have

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Speaker 3: a home. You could live the American dream.

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Speaker 4: With another family up the street and be okay with.

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Speaker 3: Low skilled education, low skills and low education. What I'm

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Speaker 3: saying is that now that that's that's difficult to do.

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Speaker 3: It's difficult to live that life with low skills and

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Speaker 3: low education. You got to have at least one or

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Speaker 3: the other. Behoos you to have both.

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Speaker 1: Yeah, I'm not denying that. I'm just saying that there's

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Speaker 1: an opportunity to have a higher level education. Obviously, I

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Speaker 1: think there needs to be school reformed, but there's an

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Speaker 1: opportunity to have a higher level education without going to

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Speaker 1: college university, whereas in the past that that wasn't an opportunity.

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Speaker 3: No, for sure, I'm just saying. I mean, we've We've

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Speaker 3: created a platform where people can educate themselves and make

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Speaker 3: millions of dollars based off of information without going to

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Speaker 3: college and school. So I understand that, But I'm just saying,

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Speaker 3: just speaking large numbers, the educational system in America.

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Speaker 2: Is broken, let's say, or is it working how it

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Speaker 2: was supposed to do.

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Speaker 5: Until it's not working until there's what Rocket Feller paying

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Speaker 5: for for the American education system.

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Speaker 4: It is working perfectly fine for what it was designed

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Speaker 4: to do.

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Speaker 3: Until it's not until until we until we don't have

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Speaker 3: the biggest economy in the world, until we have so

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Speaker 3: many unskilled workers that until this coming zone, until until

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Speaker 3: so there's no more cake to feed the people. Right,

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Speaker 3: that's what That's what the French revolution they she said,

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Speaker 3: feed them cake.

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Speaker 2: Well, they took it.

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Speaker 3: They took a head off because of that sore.

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Speaker 4: And death and income ratio one hundred and twenty five percent.

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Speaker 3: The bread and circus works, you know what. The bread

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Speaker 3: and circus worked, question, Mary, because they had a.

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Speaker 2: Bread and circus.

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Speaker 3: No Rome gave citizens free bread, and they provide them

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Speaker 3: with a free circus. So we don't even have free

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Speaker 3: you're not getting feed, free food unless you get a

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Speaker 3: welfare voucher. But I was like, and even entertainment at

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Speaker 3: this point, it's not even free. You got to have

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Speaker 3: a television to even watch it. So it's like the

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Speaker 3: bread and circus works as long as you could provide

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Speaker 3: free circus and a free bread.

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Speaker 6: An illegal alien from Guatemala charged with raping a child

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Speaker 6: in Massachusetts. An MS thirteen gang member from El Salvador

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Speaker 6: accused of murdering a Texas man of Venezuelan charged with

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Speaker 6: filming and selling child pornography in Michigan. These are just

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Speaker 6: some of the heinous migrant criminals caught because of President

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Speaker 6: Donald J. Trump's leadership. I'm Christy Noman, the United States

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Speaker 6: Secretary of Homeland Security. Under President Trump, attempted illegal border

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Speaker 6: crossings are at the lowest levels ever recorded, and over

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Speaker 6: one hundred thousand illegal aliens have been arrested. If you

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Speaker 6: are here illegally, your next you will be fine nearly

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Speaker 6: one thousand dollars a day, imprisoned, and deported. You will

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Speaker 6: never return. But if you register using our CBP home

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Speaker 6: app and leave now, you could be allowed to return legally.

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Speaker 6: Do what's right. Leave now. Under President Trump, America's laws,

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Speaker 6: border and families will be protected.

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Speaker 2: Sponsored by the United States Department of Homeland Security,