WEBVTT - A Title and Description 0:00:00.080 --> 0:00:02.360 Be sure to catch live editions of The Ben Maller 0:00:02.400 --> 0:00:05.519 Show weekdays at two a m. Eastern eleven pm Pacific. 0:00:07.840 --> 0:00:11.280 If you thought four hours a day, minutes a week 0:00:11.400 --> 0:00:14.800 was enough, I think again. He's the last remnants of 0:00:14.840 --> 0:00:18.480 the old republic, a sole fashion of fairness. He treats 0:00:18.480 --> 0:00:21.360 crackheads in the ghetto cutter the same as the rich 0:00:21.400 --> 0:00:25.800 pill poppers in the penthouse to clearinghouse of hot takes, 0:00:25.840 --> 0:00:30.560 break free for something special. Fitur with Ben Maller starts 0:00:30.760 --> 0:00:37.600 right now in the a everywhere, all the trivial details 0:00:37.640 --> 0:00:41.240 you would expect as we emanate in the magical world 0:00:41.600 --> 0:00:46.040 of podcasting, not governed by the Federal Communications Commission. We 0:00:46.120 --> 0:00:49.320 concurse and spit lugi's and do all of that here 0:00:49.320 --> 0:00:52.600 on the podcast platform, powered and fueled on the I 0:00:52.720 --> 0:00:55.720 Heart podcast Network. We thank you, Thank you for finding 0:00:55.720 --> 0:00:57.960 the podcast. Tell a friend, Tell a friend, tell a friend, 0:00:57.960 --> 0:01:00.200 get the word out. If every person listening to old 0:01:00.240 --> 0:01:03.760 someone else, we'd immediately and they listen, we'd immediately double 0:01:03.800 --> 0:01:06.119 the audience. That's all. It takes. Word of mouth, advertising, 0:01:06.160 --> 0:01:10.640 guerilla marketing, and you can find the podcast wherever, wherever 0:01:10.760 --> 0:01:14.240 you get your podcast. This podcast is available eight days 0:01:14.360 --> 0:01:17.560 a week, eight days a week, because four hours a 0:01:17.680 --> 0:01:21.480 night are clearly not enough, clearly not enough. And this 0:01:21.560 --> 0:01:23.520 is the Sunday mail Bag podcast. We have some things 0:01:23.520 --> 0:01:26.360 to get to before the Mailbag joined from West of 0:01:26.440 --> 0:01:31.360 the four oh five. Yeah, David Gascon has come over here, 0:01:31.360 --> 0:01:34.399 happy to report that our podcast is not halted by 0:01:34.400 --> 0:01:38.360 these Securities and Exchange Commission either. So that's a positive spin. 0:01:39.120 --> 0:01:41.320 Just think how much influence we can manipulate the market. 0:01:41.319 --> 0:01:43.800 If we give out stock advice here. We'll have Sprinkles 0:01:43.880 --> 0:01:46.319 the clown going and buying stock here because of our advice. 0:01:46.400 --> 0:01:48.000 I didn't want to bring it up to Catherine, but 0:01:48.080 --> 0:01:50.600 I know you know exactly what's going on, especially in 0:01:50.600 --> 0:01:54.320 the gambling world. This ship happens all the time with Sharp's. 0:01:54.920 --> 0:01:57.400 You know Sharp's will will shell out money to some 0:01:57.520 --> 0:02:00.320 of their you know, some of their little plebs to 0:02:00.440 --> 0:02:02.720 go bet on a line, swing it one way, and 0:02:02.760 --> 0:02:04.680 they'll come right back over the top and swing it 0:02:04.720 --> 0:02:08.239 another way. Yeah. Well, the big money moves the market. 0:02:08.280 --> 0:02:10.919 But here's the thing too. In the in the wall 0:02:10.960 --> 0:02:14.600 Street with day trading is essentially sports bits, sports betting, 0:02:14.680 --> 0:02:17.200 that's what it is. And so I had heard from 0:02:17.280 --> 0:02:22.280 people that last March, when sports were shut down for 0:02:22.280 --> 0:02:24.280 a hundred and thirty four days, there were no live 0:02:24.360 --> 0:02:28.040 team sports in America. If you're a sports gambler and 0:02:28.080 --> 0:02:32.000 that's how you get your dopamine fix, you couldn't do it. 0:02:32.080 --> 0:02:35.520 And so a large percentage of sports gamblers who were 0:02:35.520 --> 0:02:37.600 addicted to it and had a better game every night, 0:02:38.520 --> 0:02:41.840 a game of day people or more, they moved over 0:02:41.880 --> 0:02:45.920 to Wall Street to day trading. And so that's that 0:02:46.160 --> 0:02:49.320 kind of you know, loosely related to where we're at today. 0:02:49.400 --> 0:02:52.480 But the it's a great story that you know, that's 0:02:52.480 --> 0:02:54.840 gonna be a movie. They're gonna make a movie about 0:02:54.919 --> 0:02:56.919 the Wolf of Wall Streets. One of the better movies 0:02:56.960 --> 0:03:00.200 I've seen over the last fifteen years or so. It's 0:03:00.240 --> 0:03:01.920 I enjoyed the hell out. That was a good it's 0:03:01.919 --> 0:03:04.680 a great movie. I mean, for me, it's it's totally 0:03:04.680 --> 0:03:07.680 relatable because I was a part of the housing market 0:03:07.720 --> 0:03:11.120 crisis in the two thousand seven, two thousand eight, two 0:03:11.160 --> 0:03:15.400 thousand nine period. And I mean, I hate to say it, 0:03:15.440 --> 0:03:18.120 but that's what they were all about. I mean, these 0:03:18.440 --> 0:03:21.960 these mortgage backed securities banned, like we were told when 0:03:22.000 --> 0:03:24.520 I was working for City Group, I was told that 0:03:24.560 --> 0:03:27.880 we needed to to refinance a bunch of mortgages. And 0:03:27.919 --> 0:03:30.320 typically when you're an escrow it takes you anywhere from 0:03:30.320 --> 0:03:32.160 like thirty to sixty days to close on a house, 0:03:32.200 --> 0:03:34.800 sometimes ninety if it's under construction. But if you're trying 0:03:34.800 --> 0:03:38.200 to refinance your property, it's anywhere from still thirty to 0:03:38.320 --> 0:03:41.760 forty five days. And they're so severe on the underwriting 0:03:42.320 --> 0:03:46.920 guidelines that underwriters won't pass you unless you're over or 0:03:46.920 --> 0:03:51.360 above clearance on their checklist. But when I was with 0:03:51.480 --> 0:03:55.600 City all of these were streamlined, so you went from 0:03:55.640 --> 0:03:59.320 thirty to forty five days of processing to ten or fifteen, 0:03:59.520 --> 0:04:02.600 which is fucking absurd. But the whole point of it 0:04:02.680 --> 0:04:04.360 was is that they wanted to have all of these 0:04:04.360 --> 0:04:07.800 mortgages that were on their books refinanced so they could 0:04:07.840 --> 0:04:10.800 sell them immediately on the secondary market. And then all 0:04:10.840 --> 0:04:13.560 they did after that was just layoff and terminate everybody 0:04:13.560 --> 0:04:16.320 in their mortgage lending department, or the majority of it. 0:04:16.680 --> 0:04:18.160 And the reason why was that they want to get 0:04:18.160 --> 0:04:20.839 out of the industry because a lot of the mortgages, 0:04:21.040 --> 0:04:24.680 mortgages that did did sell or two people with stated 0:04:24.720 --> 0:04:29.760 income stated assets no documents, no verification. All you gotta 0:04:29.760 --> 0:04:31.359 do is show up and prove that you have like 0:04:31.360 --> 0:04:34.200 a seven score, and we give you an interest rate 0:04:34.200 --> 0:04:36.919 and a loan that was like three or four or 0:04:36.960 --> 0:04:40.599 five percent, and you had like a loan to value 0:04:40.640 --> 0:04:44.240 which was like at ninety, which is fucking absurd, you know, 0:04:44.640 --> 0:04:47.880 like so so, but I was doing that. It's it's 0:04:48.080 --> 0:04:52.320 so essentially with the volatility of the stockment. Just invest 0:04:52.360 --> 0:04:54.840 in soybeans, you know, just go by soybeans. They can't 0:04:54.839 --> 0:04:58.200 go wrong with soybeans. But it's fascinating because we will 0:04:58.320 --> 0:05:01.479 bail out the mortgage back securities, will bail out the 0:05:01.480 --> 0:05:05.039 real estate industry, will bail out the automotive industry, the 0:05:05.120 --> 0:05:10.239 airline industry, the banking institutions, automotive industry, but we won't 0:05:10.279 --> 0:05:13.880 bail out the common folk. Here's your six dollar check 0:05:14.160 --> 0:05:16.760 that you got like twelve months after this whole fucking 0:05:16.760 --> 0:05:20.440 thing went down. It's fucking appalling, but it's it's typical, right, 0:05:20.520 --> 0:05:23.120 Like it's what you'd expect. But my favorite part of 0:05:23.160 --> 0:05:25.280 it is and I think that if I was writing 0:05:25.400 --> 0:05:29.800 the screenplay for this movie about the game Stop situation, 0:05:29.960 --> 0:05:33.799 it would be a story of all these greedy Wall 0:05:33.839 --> 0:05:37.600 Street people like, hey, let's these daily apps will be great. 0:05:37.600 --> 0:05:40.400 We'll get more dumb money, right, more dumb money, and 0:05:40.440 --> 0:05:41.960 we'll be able to take their money. That's what they 0:05:41.960 --> 0:05:44.200 were excited about when Robin Hood and these things came around. 0:05:44.200 --> 0:05:46.839 The It's kind of like, you know, we we talk 0:05:46.880 --> 0:05:51.600 about gambling, and you mentioned the sharps in the gambling world, right, 0:05:51.600 --> 0:05:56.160 the bookie, the sports book fears the sharp. They don't 0:05:56.160 --> 0:05:57.880 like the sharps because those are people that have all 0:05:57.920 --> 0:06:01.040 the inside information, you know, like edge fun people, like 0:06:01.080 --> 0:06:05.200 hedge fun people. They can't stand them. But the square, 0:06:05.279 --> 0:06:08.159 which would be what the day trader is, the Robin 0:06:08.200 --> 0:06:10.640 Hood user, the you know, the they just kind of 0:06:10.680 --> 0:06:13.320 go off a hunch or something they they read on 0:06:13.360 --> 0:06:18.880 the internet for example, that they consider them unsophisticated financial people, 0:06:18.880 --> 0:06:20.800 and so they want they want those people. They want 0:06:20.880 --> 0:06:24.640 because dumb money, right, they want the dumb money. Um. 0:06:24.720 --> 0:06:28.279 And so the movie would be all these greedy Wall 0:06:28.320 --> 0:06:31.400 Street people so excited because these daily apps, and then 0:06:31.400 --> 0:06:34.440 it blows up in their face and it's this thing 0:06:34.520 --> 0:06:38.320 shoots to the moon. Right. That's that's the story. I mean, 0:06:38.400 --> 0:06:40.839 get I don't know if Dicapriole, do it in Jonah 0:06:40.920 --> 0:06:43.359 Hill and McConaughey and all those that were in Wolf 0:06:43.360 --> 0:06:45.960 of Wall Street. But call him up. See what you 0:06:46.000 --> 0:06:48.200 got there, See what you got. There's a good story. 0:06:48.320 --> 0:06:52.800 There's a solid story right there. Greed is good, Michael Douglas, 0:06:52.839 --> 0:06:56.840 so good. It's um, it's it's great because you know, 0:06:56.920 --> 0:06:58.760 this thing is not going to be a short term 0:06:58.839 --> 0:07:00.960 fixed Like as soon as they release the Hounds with 0:07:01.080 --> 0:07:04.080 robin Hood and some of these other uh digital platforms 0:07:04.120 --> 0:07:05.880 or the apps that allow you for trading, these guys 0:07:05.920 --> 0:07:09.040 are gonna they're gonna release the cracking. I think these 0:07:09.040 --> 0:07:11.560 guys will continue to trade no matter if it's a 0:07:11.720 --> 0:07:16.320 MC or game Stop or or Nokia whatever it may be. 0:07:16.560 --> 0:07:18.680 I think they're gonna push those things to the limit. 0:07:19.000 --> 0:07:22.560 And I I am a customer of robin Hood. I 0:07:22.680 --> 0:07:25.200 have the app on my phone. I think you do too, also, 0:07:25.240 --> 0:07:29.080 guest Gun, I think it's a great product. But what 0:07:29.200 --> 0:07:32.520 they did by taking these not allowing you to buy 0:07:32.920 --> 0:07:35.800 game Stop and those others, I think that is horrific 0:07:36.000 --> 0:07:38.880 for their business and there is going to be a 0:07:38.920 --> 0:07:41.320 price to pay. You just can't do that, especially when 0:07:41.360 --> 0:07:43.280 Kather mentioned the I p O that they're supposed to 0:07:43.360 --> 0:07:46.040 release here in the coming weeks. Yeah, I mean, what 0:07:46.080 --> 0:07:48.679 are you doing? And I you know you've heard rumors 0:07:48.680 --> 0:07:52.400 they got pressured by certain people. But still you gotta 0:07:52.440 --> 0:07:56.320 think it's like people who are on that you have 0:07:56.320 --> 0:07:57.520 to be of a certain age, you have to be 0:07:57.560 --> 0:07:59.600 an adult, you know. And you know they were like, 0:07:59.640 --> 0:08:01.800 I don't an abundance of caution. This is my my 0:08:01.920 --> 0:08:05.880 problem with abundance of caution. When you play the stock market, 0:08:06.360 --> 0:08:09.160 it's the it's the risk versus reard. Yeah, some people 0:08:09.320 --> 0:08:11.400 and I'm sure some people even with what happened and 0:08:11.440 --> 0:08:14.280 taking it off and all that, it's the risk versus 0:08:14.320 --> 0:08:17.720 the reward. You're going to lose money, right, And and 0:08:17.760 --> 0:08:21.160 when you invest that, what's the warning they always give 0:08:22.120 --> 0:08:26.360 that past results do not guarantee future outcomes, right, they 0:08:26.360 --> 0:08:30.200 always say that. And so you know, if somebody ends 0:08:30.240 --> 0:08:32.240 up a hemorrhage in cash on the robin Hood map 0:08:32.280 --> 0:08:34.640 because they didn't sell at the right time, that's on them. 0:08:35.200 --> 0:08:38.480 You can't this this name I call it, I guess 0:08:38.559 --> 0:08:40.520 nanny state, Right, isn't that the term where you're just 0:08:40.520 --> 0:08:43.480 trying to overly protect people? You know, if you're in 0:08:43.520 --> 0:08:47.040 the stock market game. You gotta get fully in the mud, right, 0:08:47.440 --> 0:08:51.199 and nobody's forced to buy, whether it's game stop or 0:08:52.080 --> 0:08:55.320 bed bath and beyond. The companies that people choose to 0:08:55.320 --> 0:08:56.880 do it think they're gonna get a big return on 0:08:56.920 --> 0:09:00.640 the capitol and all that. That's fine and and hopefully 0:09:00.640 --> 0:09:02.600 it works for them. But if it doesn't, that's the 0:09:02.800 --> 0:09:05.040 that's the way the game is. You don't change the 0:09:05.360 --> 0:09:07.360 rules of the game. And that's what they did. They 0:09:07.480 --> 0:09:11.280 changed and moved the goal posts, and you can't do it. 0:09:12.160 --> 0:09:14.400 I'm sorry. I bad job by them. You know, you've 0:09:14.400 --> 0:09:18.160 got a problem when you have independence, Democrats and Republicans 0:09:18.200 --> 0:09:23.160 on the same side for a cause. Yeah, well, with 0:09:23.480 --> 0:09:25.800 everything that we got on in this country, how great 0:09:25.840 --> 0:09:30.079 is it? The thing that united the Donald Trump Republican 0:09:30.160 --> 0:09:33.800 and the Joe Biden Democrat would be the Wall Street 0:09:34.040 --> 0:09:38.480 It's wonderful. Ah, the irony? Al Right, pop quiz, pop quiz? 0:09:38.480 --> 0:09:39.959 You want Popca got the mail back? A lot, a 0:09:39.960 --> 0:09:41.240 lot of mail backs. We'll do a little bit of 0:09:41.240 --> 0:09:44.360 pop quiz. Alright. Ten percent of football fans will end 0:09:44.440 --> 0:09:47.679 up doing this in the next couple of weeks to 0:09:47.720 --> 0:09:50.880 get ready for the big game. What is it um 0:09:51.240 --> 0:09:55.559 shot for alcohol? No, it is, Well, it's more than 0:09:55.559 --> 0:09:57.400 ten percent that will shop for alcohol. But this is 0:09:57.440 --> 0:10:07.000 something that doesn't involve shopping. Hmm um by a by 0:10:07.200 --> 0:10:11.320 the sports team apparel. Yes, buy it new jersey. This 0:10:11.400 --> 0:10:16.240 is known as the band wag Ner effect, coined by 0:10:16.280 --> 0:10:19.200 Blair and Main. That's I gotta look good for the game. 0:10:19.320 --> 0:10:22.240 I'm a casual fan. I'm gonna go buy my new 0:10:22.280 --> 0:10:27.920 Patrick mahomes or Tom Brady jersey and ra rati. It's 0:10:27.920 --> 0:10:30.120 not bad. I would have guessed just buying any kind 0:10:30.120 --> 0:10:32.720 of alcohol because it's almost like Valentine's Day when you 0:10:32.760 --> 0:10:35.000 buy You never buy roses the day or two before, 0:10:35.040 --> 0:10:38.040 because it's usually through the roof. Uh. The same thing 0:10:38.080 --> 0:10:41.720 with with alcohol and food and all kinds of other drinks. 0:10:41.760 --> 0:10:44.599 They usually well gouge you a little bit, especially the 0:10:44.679 --> 0:10:47.120 day before the game or the day of. Well, my 0:10:47.160 --> 0:10:49.160 move was always to buy the candy and the flowers 0:10:49.160 --> 0:10:52.679 the day after that was my So anyway it's on sale, 0:10:52.679 --> 0:10:56.400 everything's half off after that, all right. Diamonds are the 0:10:56.520 --> 0:11:00.439 hardest gem on earth. What is the second hardest. Everyone 0:11:00.440 --> 0:11:03.120 knows about diamonds like the hardest gym and what about 0:11:03.120 --> 0:11:07.760 the second hardest, Um, how about a ruby da na 0:11:07.840 --> 0:11:10.720 na ning ning. That is right, sapphire slash rubies are 0:11:10.800 --> 0:11:13.280 the second hardest gym on the planet. I like him. 0:11:13.880 --> 0:11:16.760 I like sapphires. You're a fan of the sapphire. Yeah. 0:11:17.800 --> 0:11:21.440 When you when you went shopping for your your wife's 0:11:21.520 --> 0:11:25.800 wedding ring, Um, Like, what was your approach? Were you like, 0:11:26.040 --> 0:11:28.280 I'm gonna get anything. I don't know anything about rings. 0:11:28.400 --> 0:11:32.240 I Uh, she actually had picked out something she thought 0:11:32.320 --> 0:11:35.240 was good. Then I consulted with my mom and uh 0:11:35.400 --> 0:11:37.839 it was. It was a team effort. And my mom 0:11:37.920 --> 0:11:39.439 was very like, get a ring. You know. She was 0:11:39.440 --> 0:11:43.240 like she just happy I was with someone after all 0:11:43.280 --> 0:11:47.719 those years of bachelorhood. Uh So, anyway, we've all heard 0:11:47.760 --> 0:11:49.920 of it, but only one in five of us have 0:11:50.000 --> 0:12:02.000 actually eaten this dish. What is it? Um? Do sardines? Caviar? 0:12:02.120 --> 0:12:05.640 I was gonna say caviar? Caviar? You're west of the 0:12:05.679 --> 0:12:08.040 four or five. I'm sure you've had caviar. No, I 0:12:08.080 --> 0:12:11.079 want to come on, you've had it. Don't lie. That 0:12:11.160 --> 0:12:14.040 doesn't look a lie. You A lot of things don't 0:12:14.040 --> 0:12:17.000 look appetizing, but I bet you Patty you're you're not 0:12:17.120 --> 0:12:21.360 telling the truth. If I had it, but now it's pricey, 0:12:22.880 --> 0:12:28.199 it's expensive, it's it's a delicacy, right, Yeah, have you 0:12:28.280 --> 0:12:32.599 had it? Of course? Not? Of course why would I. 0:12:32.679 --> 0:12:36.200 I don't. I eat like a child. I eat chicken, fingers, 0:12:36.440 --> 0:12:40.679 chese steak, and cheeseburgers. That's my diet, all right. Uh. 0:12:40.760 --> 0:12:44.040 In a new survey, seventy of men say they have 0:12:44.400 --> 0:12:47.640 this in their car or truck at all times. What 0:12:47.880 --> 0:13:00.040 is it? Um? Seven out of ten? Um flashlight? It? 0:13:01.920 --> 0:13:05.439 No cologne or after shape. I don't have after shape, 0:13:05.480 --> 0:13:08.559 but I guess the same. Yeah, I know I have 0:13:08.679 --> 0:13:10.480 this in the car. You don't have cologne or some 0:13:10.640 --> 0:13:12.800 kind of like the odoran type stuff in your car? No. 0:13:13.040 --> 0:13:14.679 The only thing I have my car is the you 0:13:14.760 --> 0:13:19.679 know these, the the gum toothpicks. Yeah, yeah, No, No, No, 0:13:19.720 --> 0:13:21.640 I always have because you know, I'm a sweater and 0:13:21.720 --> 0:13:23.840 during the summertime, and if I start sweating, I am 0:13:24.000 --> 0:13:25.520 going somewhere and I don't have time to go take 0:13:25.520 --> 0:13:28.480 a shower, spray on some cologne or something like that 0:13:28.640 --> 0:13:32.160 to cover up the smell. Did not that's bad? Do 0:13:32.320 --> 0:13:35.000 you have bad hygiene? No? I always smell roses. It's 0:13:35.000 --> 0:13:38.360 all good. That's a lie, alright. One in six of 0:13:38.520 --> 0:13:42.079 us will spend a hundred and forty nine dollars on 0:13:42.400 --> 0:13:46.240 this this year and not happy about it. Game stop 0:13:46.360 --> 0:13:57.880 stock yars on average um shoes. No a speeding ticket, 0:13:58.920 --> 0:14:03.360 speeding ticket, hundred speeding ticket. When's the last time again? Well, 0:14:03.360 --> 0:14:05.280 you probably have ways of getting out of speeding tickets, 0:14:05.320 --> 0:14:07.280 but was the last time that somebody attempted to give 0:14:07.320 --> 0:14:12.199 you a speeding ticket? Three weeks ago? Three weeks ago, 0:14:13.160 --> 0:14:15.320 and you didn't tell us the story? Beat job by 0:14:15.400 --> 0:14:19.720 your Where were you? Four oh five? There you go? 0:14:20.120 --> 0:14:26.640 Four oh five? Speed? How fast are you going? You know? 0:14:26.760 --> 0:14:29.120 I was I was told I've used this before on 0:14:29.160 --> 0:14:31.800 the podcast, but for new people. I was pulled over 0:14:31.880 --> 0:14:35.880 one time by a California Highway Patrol officer who gave 0:14:36.000 --> 0:14:38.320 me what I believe is the greatest advice I've ever 0:14:38.400 --> 0:14:42.120 gotten from someone in law enforcement. And he told me 0:14:42.960 --> 0:14:48.080 that you can speed, but you can't go over seven. 0:14:48.160 --> 0:14:50.080 He won't even it's not worth his time to write 0:14:50.120 --> 0:14:52.720 a ticket if someone's going below seven. Seventy nine or 0:14:52.800 --> 0:14:57.800 below is his threshold. If you're eighty or above, and 0:14:57.920 --> 0:15:00.280 he sees you, you have a higher chance to being 0:15:00.320 --> 0:15:03.840 pulled over. So from that, from that day forward, I 0:15:04.080 --> 0:15:07.200 have driven. I've said my thing. At seventy nine, I 0:15:07.320 --> 0:15:09.760 have not been pulled over. And it's years. It has 0:15:09.840 --> 0:15:13.200 been years, and I will drive seventy nine, you know, 0:15:13.240 --> 0:15:14.840 when the highways are open and all that, and I've 0:15:14.880 --> 0:15:16.760 not gotten pulled over. Now that might just be a 0:15:16.800 --> 0:15:20.080 California thing, or maybe I'm just lucky. Um, but yeah, 0:15:20.080 --> 0:15:23.040 I never go past seventy. I got lucky, I um 0:15:23.600 --> 0:15:25.400 because you said, you know, let me hold on, let 0:15:25.400 --> 0:15:27.200 me call my dad and see what's No. No, I 0:15:27.240 --> 0:15:29.520 didn't get lucky. I didn't get lucky in that regard. 0:15:29.760 --> 0:15:32.720 I got lucky because it was on a Saturday during 0:15:32.760 --> 0:15:35.040 college football season. So I had my cell phone on 0:15:35.120 --> 0:15:39.120 the dash with a speedometer is with the ESPN app open, 0:15:40.240 --> 0:15:42.320 and this woman cut me off. She went from the 0:15:42.400 --> 0:15:45.440 car pool lane into the fast lane. So when she 0:15:45.600 --> 0:15:48.320 cut me off, I went into the car pool lane 0:15:49.160 --> 0:15:52.440 and then sped up and then cut her off. And 0:15:52.520 --> 0:15:54.760 then that's when I got popped. So I had three 0:15:54.840 --> 0:15:57.720 dingers right there. I was you're driving the car pool lane, 0:15:57.720 --> 0:15:59.920 but you that's a big that's like two thousand dollar 0:16:00.080 --> 0:16:04.320 thing cell phone on and speeding the trifactor. He didn't 0:16:04.320 --> 0:16:07.120 see the cell phone though, so he didn't see the stuff. 0:16:07.160 --> 0:16:09.000 And did he end up? He didn't write you a ticket? 0:16:09.040 --> 0:16:12.640 Or he did? Right? He didn't. He did. Don't sound 0:16:12.720 --> 0:16:15.720 so excited? What the fun is wrong with you? Well, 0:16:15.880 --> 0:16:18.240 how often are you driving the car pooling? I don't, 0:16:18.640 --> 0:16:21.480 I don't. I was literally in that car pool lane 0:16:21.520 --> 0:16:23.720 for less than a quarter of a mile. Well, because 0:16:23.760 --> 0:16:25.600 I'll tell you because a guy I used to work 0:16:25.640 --> 0:16:27.680 with who I did an NFL show with on Sundays 0:16:27.680 --> 0:16:30.000 and gave me some terrible real estate advice always drives 0:16:30.040 --> 0:16:31.480 in the car pooling. Is that the guy that takes 0:16:31.520 --> 0:16:34.840 steroids by himself drives in the car pool later? Right? 0:16:36.120 --> 0:16:37.920 And you know I said, what are you doing? You 0:16:37.960 --> 0:16:39.480 know you shouldn't do that. It's for people, And he 0:16:39.480 --> 0:16:42.600 said no, it saves him time. And he's done it 0:16:42.720 --> 0:16:44.880 for years and he's only gotten like two tickets and 0:16:44.920 --> 0:16:47.280 he's done it for like twenty years. Yeah, so he's 0:16:47.320 --> 0:16:50.120 like he does a cost benefit analysis. He's like, well, 0:16:50.280 --> 0:16:52.360 you know I save all the time I save, you know, 0:16:53.400 --> 0:16:55.920 worth it? Do you know? In other parts of California, 0:16:56.000 --> 0:16:58.680 you can actually there are open and closed times of 0:16:58.720 --> 0:17:00.440 when you could drive in the car pool lane. Yeah. Yeah, 0:17:00.440 --> 0:17:03.360 in northern California. I've seen that, and I've not seen 0:17:03.400 --> 0:17:05.480 that in southern California. That's that's a good job by 0:17:05.760 --> 0:17:08.199 by No Cal, but So Cal bad job by then. 0:17:08.240 --> 0:17:10.120 I think they do that in Arizona as well. Correct 0:17:10.160 --> 0:17:11.720 me if I'm wrong, but I think I remember doing 0:17:11.760 --> 0:17:13.960 that when I was in Scottsdale and in Phoenix they'd 0:17:13.960 --> 0:17:16.560 had the high occupancy vehicle lane and it was only 0:17:16.600 --> 0:17:20.600 for specific times. It's pretty much pointless in my opinion, 0:17:20.720 --> 0:17:23.159 to have the car poolane going twenty four hours a 0:17:23.240 --> 0:17:25.440 day because I drive when no one's on the road, 0:17:25.520 --> 0:17:28.240 usually other than a few big rigs. And you know, 0:17:28.520 --> 0:17:33.240 just what's the point? You know, what's the point? Stupid? 0:17:33.240 --> 0:17:35.879 All right? It is estimated to two percent of women 0:17:36.160 --> 0:17:39.720 will do this in the first five years of marriage. 0:17:39.800 --> 0:17:46.280 What is it, have sex with you, uh, lose their 0:17:46.359 --> 0:17:52.440 wedding ring. Okay, that's actually pretty low, is it? I think? 0:17:52.480 --> 0:17:56.600 So that's that's pretty good. Well, how do you lose 0:17:56.680 --> 0:17:58.520 if you're wearing it all the time, you don't take 0:17:58.560 --> 0:17:59.879 it off? How do you But if you take it 0:18:00.000 --> 0:18:02.600 off a new shower. Yeah, but don't you just put 0:18:02.640 --> 0:18:04.200 it right next to the shower and then you get 0:18:04.200 --> 0:18:05.919 out of the shower, use the towel and then it's 0:18:06.000 --> 0:18:07.560 right there. Yeah. But what happens if you hit it 0:18:07.600 --> 0:18:10.800 and goes into the sink. Well, you have a stopper 0:18:10.880 --> 0:18:12.320 so it doesn't go all the way down the drain. 0:18:12.680 --> 0:18:15.520 And I agree, but it happens. I just think it's 0:18:15.520 --> 0:18:17.840 like people like on the on the sofa or something 0:18:17.920 --> 0:18:20.040 like these, like their hands, I don't know, they're digging 0:18:20.040 --> 0:18:22.280 for the remote and it comes off or something like that. Yeah, 0:18:23.200 --> 0:18:26.960 nineteent of women have eaten this exclusively in order to 0:18:27.040 --> 0:18:33.000 lose weight. What is it? Saltine crackers? No? Um? Baby food? 0:18:36.119 --> 0:18:38.280 Do you much? I want to lose a couple of pounds. 0:18:38.320 --> 0:18:40.560 Let me get some Gerber baby food and see? Uh? 0:18:41.240 --> 0:18:45.520 Can I get the peas like the peas of the squash? Geez? 0:18:47.440 --> 0:18:50.119 I've heard stories of older people that don't have a 0:18:50.160 --> 0:18:53.440 lot of money buying dog food because it's cheaper. Yeah, 0:18:54.600 --> 0:18:58.679 that's a tough one, all right. The the average parents 0:18:58.720 --> 0:19:02.000 stops doing this when their child is eight years old. 0:19:02.520 --> 0:19:08.360 What is it? Um? Tangle their shoes? No, um reading 0:19:09.000 --> 0:19:14.040 to them before bed bedtime story. The fun stops when 0:19:14.080 --> 0:19:16.960 you're about eight years old old. I love, I have 0:19:17.080 --> 0:19:18.960 fun members of my mom reading these stories when I 0:19:19.000 --> 0:19:22.680 was a kid. Boy, that was fun. All right. Of 0:19:22.760 --> 0:19:26.040 people would like to change this about their vehicle? What 0:19:26.200 --> 0:19:33.880 is it? The color? Not the size of the gas tank? 0:19:35.280 --> 0:19:39.120 All right? All right? Scientists are working on a way 0:19:39.200 --> 0:19:42.160 to create a version of this item that many people 0:19:42.720 --> 0:19:47.800 enjoyed daily by using watermelon and sunflower seeds. Are gonna 0:19:48.720 --> 0:19:53.000 create a version of this product. Wait say this again? 0:19:53.280 --> 0:19:57.200 All right? So the science community are working to create 0:19:57.280 --> 0:20:00.000 a version of an item that many people enjoyed day 0:20:00.000 --> 0:20:03.600 a lie, and they're gonna use watermelon and sunflower seeds 0:20:03.640 --> 0:20:10.160 to do it. Man, I am, it's something you've probably 0:20:10.280 --> 0:20:18.120 had today? How about that? Um, don't I don't know. Man, 0:20:18.560 --> 0:20:26.680 It's something my wife loves and I've never had coffee. Oh, coffee, 0:20:28.080 --> 0:20:33.440 watermelon sunflower seed coffee. Interesting. How's that gonna work? I 0:20:33.520 --> 0:20:37.240 don't know. We'll find out doing this for about eighty 0:20:37.320 --> 0:20:40.040 minutes a day, they say, whoever they are, it helps 0:20:40.080 --> 0:20:46.840 you maintain good mental health. Meditating now, listening to music. Okay, 0:20:47.080 --> 0:20:48.680 I can believe that yeah, I do that. I have 0:20:48.760 --> 0:20:51.119 great mental health because I clearly listened to a lot 0:20:51.400 --> 0:20:54.160 what I'm getting ready for for for work, and I'm 0:20:54.200 --> 0:20:57.320 trying to find stuff to talk about. I have um 0:20:57.760 --> 0:21:00.800 mozart or some classical bull crap on the background just so, 0:21:00.920 --> 0:21:02.600 just so I have a little music. That way, I 0:21:02.640 --> 0:21:05.280 don't get distracted by anything other than that. It's pretty 0:21:05.760 --> 0:21:08.959 and take you for a classical guy. That's cool though. Well, 0:21:09.000 --> 0:21:11.639 if I hear lyrics, I might listen to it, but no, 0:21:11.800 --> 0:21:15.359 like sometimes I'll do some jazz, little jazz, classical, just 0:21:15.440 --> 0:21:17.720 background stuff. Got I'm not really paying attention to it. 0:21:17.800 --> 0:21:21.080 But all this is good. According to a brand new survey, 0:21:21.880 --> 0:21:27.400 this was the numbber one comfort food that got us 0:21:28.280 --> 0:21:33.160 through the pandemic last year. I have two guesses. Um. 0:21:34.680 --> 0:21:38.119 My first guess is ice cream. Ice cream is a 0:21:38.160 --> 0:21:40.640 great guess. That is wrong. My second guest is French 0:21:40.680 --> 0:21:46.960 fries solid again wrong again? Is it pizza? No, but 0:21:47.040 --> 0:21:54.680 it doesn't involve cheese. Uh, tacos cassadas grilled cheese. It's good, man, 0:21:54.760 --> 0:22:00.119 it's good. Two slashes of bread and you you had 0:22:00.160 --> 0:22:01.800 some cheese? Now did you? Did you go the old 0:22:01.840 --> 0:22:04.040 school way of putting the butter on top two and 0:22:04.160 --> 0:22:07.320 flipping it over on the side. Let me tell you something, 0:22:07.680 --> 0:22:10.879 My wife is the greatest cooker of grilled cheese. Now 0:22:10.880 --> 0:22:12.399 I don't have I haven't even the grilled cheese, but 0:22:12.480 --> 0:22:14.359 she from her in a while because you know, it's 0:22:14.400 --> 0:22:17.800 not the healthiest thing. But she's slobbers butter both sides 0:22:17.840 --> 0:22:20.960 of the bread. Cheese on top, cheese on top the 0:22:21.040 --> 0:22:23.760 secret cheat code. So not only you get the gooey 0:22:23.840 --> 0:22:26.560 cheese in the middle on the grilled cheese, but you 0:22:26.680 --> 0:22:29.960 get an extra shot of cheese on top and bottom. 0:22:30.200 --> 0:22:32.639 And it is wonderful good. My grandma back in the 0:22:32.720 --> 0:22:36.399 day when she would do quesadillas, she would layer the 0:22:36.520 --> 0:22:39.879