1 00:00:04,080 --> 00:00:12,639 Speaker 1: At the time, Luck and load. So Michael Very Show 2 00:00:13,119 --> 00:00:15,360 Speaker 1: is on the air. Workers have been told that they 3 00:00:15,440 --> 00:00:19,119 Speaker 1: need to be back at work tomorrow morning, ending the 4 00:00:19,480 --> 00:00:22,200 Speaker 1: longest government shutdown in US history. 5 00:00:24,840 --> 00:00:41,040 Speaker 2: Mess stop. 6 00:00:37,080 --> 00:00:45,400 Speaker 3: It's I didn't want this shutdown. I wanted to end 7 00:00:45,520 --> 00:00:48,720 Speaker 3: but not at any cost. And of course I wish 8 00:00:49,000 --> 00:00:52,519 Speaker 3: that there was a path to saving this democracy and 9 00:00:52,560 --> 00:00:56,000 Speaker 3: saving people's healthcare that didn't involve pain. 10 00:00:56,960 --> 00:00:58,200 Speaker 1: This shutdown hurt. 11 00:00:58,680 --> 00:01:03,160 Speaker 3: It did, But unfortunately I don't think there is a 12 00:01:03,200 --> 00:01:08,800 Speaker 3: way to save this country, to save our democracy without 13 00:01:09,600 --> 00:01:14,800 Speaker 3: there being some difficult, hard moments along the way. 14 00:01:16,959 --> 00:01:24,040 Speaker 2: Stop it. 15 00:01:30,280 --> 00:01:32,640 Speaker 4: So the bottom line is that Democrats went into this 16 00:01:32,680 --> 00:01:35,600 Speaker 4: after a blue wave out of the American people saying 17 00:01:35,640 --> 00:01:39,119 Speaker 4: we do want the opposition. We the working people want 18 00:01:39,680 --> 00:01:42,280 Speaker 4: the Democratic Party to fight for them, and now they 19 00:01:42,400 --> 00:01:45,520 Speaker 4: just cave and surrendered. I think Chuck Schumer his days 20 00:01:45,600 --> 00:01:48,880 Speaker 4: are over and he cannot put that and you cannot 21 00:01:48,960 --> 00:01:51,960 Speaker 4: keep quacketts together. If he cannot keep this quackets together, 22 00:01:52,160 --> 00:01:52,800 Speaker 4: he needs to go. 23 00:01:56,560 --> 00:01:57,360 Speaker 2: Stop both. 24 00:02:08,600 --> 00:02:14,440 Speaker 3: I didn't I didn't fully understand how dug in the work. 25 00:02:50,400 --> 00:02:53,720 Speaker 1: In one of the most odd stories in quite some time, 26 00:02:54,800 --> 00:03:03,560 Speaker 1: prosecutors in Milan, Italy are investigating whether wealthy Italians traveled 27 00:03:03,600 --> 00:03:08,440 Speaker 1: to Sarajevo in the nineties to kill people in what 28 00:03:08,520 --> 00:03:13,880 Speaker 1: were called a human safari trip. It's even being alleged 29 00:03:13,919 --> 00:03:19,280 Speaker 1: that extra was paid to shoot kids. Investigative writer who 30 00:03:19,360 --> 00:03:24,640 Speaker 1: uncovered these allegations says there were no political or religious motivations. 31 00:03:25,160 --> 00:03:28,120 Speaker 1: They were rich people who went there for fun and 32 00:03:28,280 --> 00:03:33,160 Speaker 1: personal satisfaction. France twenty four News. 33 00:03:33,560 --> 00:03:38,880 Speaker 5: Milan's Public Prosecutor's office has opened this investigation to these 34 00:03:38,920 --> 00:03:41,680 Speaker 5: claims that there are Italians who traveled to Bosnia, as 35 00:03:41,680 --> 00:03:44,320 Speaker 5: you mentioned, in the early nineteen nineties, essentially to be 36 00:03:44,640 --> 00:03:49,000 Speaker 5: sniper tourists. I mean, they allegedly paid huge sums of 37 00:03:49,040 --> 00:03:53,920 Speaker 5: money to the Bosnian Serb army in order to kill 38 00:03:54,080 --> 00:03:58,360 Speaker 5: Bosnian civilians for kicks, is what we're finding out now. 39 00:03:58,400 --> 00:04:01,840 Speaker 5: This happened between nineteen two and nineteen ninety six. There 40 00:04:01,840 --> 00:04:05,720 Speaker 5: was that four year siege of Sarajevo. Some eleven thousand 41 00:04:05,800 --> 00:04:09,920 Speaker 5: people died in that siege. And this is because of 42 00:04:09,960 --> 00:04:15,000 Speaker 5: a complaint that was filed by Milan based journalist and 43 00:04:15,080 --> 00:04:19,560 Speaker 5: writer Etzio gavat Zeni. Now he essentially put together this 44 00:04:19,640 --> 00:04:23,000 Speaker 5: report and he says that wealthy people who had a 45 00:04:23,040 --> 00:04:28,080 Speaker 5: passion for weapons essentially paid money to kill defenseless civilians. 46 00:04:28,120 --> 00:04:31,440 Speaker 5: That's what he said. And the reports are saying that 47 00:04:32,360 --> 00:04:37,080 Speaker 5: basically these people here initially traveled to the northern Italian 48 00:04:37,080 --> 00:04:39,599 Speaker 5: city of Trieste. From there they made their way to 49 00:04:39,640 --> 00:04:43,039 Speaker 5: Belgrade during that period, and then from there to the 50 00:04:43,160 --> 00:04:48,839 Speaker 5: hills surrounding Sarajevo where they carried out this sniper action. Now, 51 00:04:49,200 --> 00:04:53,159 Speaker 5: the reports include lots of testimony that he's put together 52 00:04:53,240 --> 00:04:57,520 Speaker 5: as well as evidence gathering, including testimony from a Bosnian 53 00:04:57,560 --> 00:05:01,599 Speaker 5: military intelligence officer who is said to have informed this 54 00:05:01,760 --> 00:05:06,480 Speaker 5: information to the Italian military intelligence at the time. Now, 55 00:05:06,720 --> 00:05:10,200 Speaker 5: all this evidence that he's put together is being examined 56 00:05:10,279 --> 00:05:16,320 Speaker 5: by an Italian counter terrorism prosecutor and they aim to 57 00:05:16,640 --> 00:05:20,640 Speaker 5: want to identify the Italians that are involved on charges 58 00:05:20,680 --> 00:05:26,680 Speaker 5: of murder aggravated by cruelty and abject motives. So really 59 00:05:26,880 --> 00:05:31,360 Speaker 5: some very cruel actions that have been presented in this evidence, 60 00:05:31,400 --> 00:05:35,279 Speaker 5: and so the Milan prosecutor's office clearly feel that it 61 00:05:35,440 --> 00:05:36,640 Speaker 5: warrants an investigation. 62 00:05:40,120 --> 00:05:48,960 Speaker 1: Yeah, that's that's a story for sure. Closer to home 63 00:05:49,000 --> 00:05:53,640 Speaker 1: and a lot less creeping. Austin American Statesman reports that 64 00:05:53,800 --> 00:06:01,680 Speaker 1: b Cave voters little community outside of Austin supported Proposition 65 00:06:01,880 --> 00:06:08,600 Speaker 1: A but rejected Proposition B in their local referendum. Proposition 66 00:06:08,800 --> 00:06:17,880 Speaker 1: A was to support the construction of a new library. 67 00:06:18,839 --> 00:06:23,359 Speaker 1: Proposition B was floating bonds for twenty million dollars to 68 00:06:23,400 --> 00:06:28,280 Speaker 1: pay for it. What a classic case. Yes, yes, we 69 00:06:29,000 --> 00:06:32,720 Speaker 1: would like a library in our community, our very own 70 00:06:32,800 --> 00:06:35,599 Speaker 1: to having to hold so the homeless people will have 71 00:06:35,680 --> 00:06:38,320 Speaker 1: somewhere to go and sit, because that's what the Downtown 72 00:06:38,360 --> 00:06:43,640 Speaker 1: Library in Houston is, a building with all of the 73 00:06:43,680 --> 00:06:51,360 Speaker 1: costs associated and professional staff and ongoing maintenance and facilities 74 00:06:51,400 --> 00:06:54,440 Speaker 1: and tie up the land that won't for which we 75 00:06:54,480 --> 00:06:57,360 Speaker 1: won't get any tax dollars to help support the rest 76 00:06:57,360 --> 00:07:00,080 Speaker 1: of the government. Yes, yes, we love the concept, but 77 00:07:00,160 --> 00:07:02,760 Speaker 1: no we don't actually, we don't want to pay for it, 78 00:07:04,200 --> 00:07:06,640 Speaker 1: which means that a number of voters had to support 79 00:07:06,800 --> 00:07:10,080 Speaker 1: having a library but also say yeah, no, no, no, 80 00:07:10,840 --> 00:07:15,000 Speaker 1: I definitely, definitely, definitely do not want to pay for it. 81 00:07:16,000 --> 00:07:21,400 Speaker 1: And we go back to the original question. Why do 82 00:07:21,520 --> 00:07:25,760 Speaker 1: people want government to provide that which they could provide 83 00:07:25,840 --> 00:07:34,080 Speaker 1: for themselves. That's the problem. Government is not free. The 84 00:07:34,200 --> 00:07:39,320 Speaker 1: problem is the idea that well, if everybody pays for something. 85 00:07:40,080 --> 00:07:42,640 Speaker 1: It's cool and we get it and it doesn't cost 86 00:07:42,720 --> 00:07:47,480 Speaker 1: us anything. But that which you want becomes something else 87 00:07:47,520 --> 00:07:50,120 Speaker 1: for someone else, and before you know it, you find 88 00:07:50,200 --> 00:07:54,840 Speaker 1: people who live off of this government floating bonds, the law, 89 00:07:55,120 --> 00:07:59,040 Speaker 1: the legal fees associated with it, the land acquisition fees, 90 00:07:59,440 --> 00:08:02,600 Speaker 1: the main that's contract, And before you know it, there 91 00:08:02,680 --> 00:08:05,480 Speaker 1: is this massive industry known as your government that you 92 00:08:05,520 --> 00:08:09,040 Speaker 1: were paying for. And you wonder why your taxes are 93 00:08:09,040 --> 00:08:11,720 Speaker 1: so high and you have no money left to do 94 00:08:11,760 --> 00:08:28,560 Speaker 1: anything for yourself. Well, there's your reason right there, Michael. 95 00:08:31,080 --> 00:08:34,160 Speaker 1: Our adoption special will be next week. So if you 96 00:08:34,320 --> 00:08:39,280 Speaker 1: have an adoption story, either as an adoptive parent or 97 00:08:39,320 --> 00:08:45,280 Speaker 1: as a child who was adopted, or as a mother 98 00:08:46,240 --> 00:08:49,680 Speaker 1: who gave your child over to someone to bring joy 99 00:08:49,720 --> 00:08:53,560 Speaker 1: into their lives, a very brave and noble decision which 100 00:08:53,760 --> 00:08:58,040 Speaker 1: definitely beats the alternative, you can email me that story 101 00:08:58,440 --> 00:09:02,200 Speaker 1: through the website at Michael Berry Show Michael Berryshow dot com. 102 00:09:02,200 --> 00:09:05,840 Speaker 1: While you're there, you can sign up for our daily Blast, 103 00:09:06,360 --> 00:09:07,880 Speaker 1: which is a link to some of the things we 104 00:09:07,920 --> 00:09:09,960 Speaker 1: talked about that day. We'll usually put a couple of 105 00:09:10,320 --> 00:09:12,400 Speaker 1: silly memes on there, just to brighten your day and 106 00:09:12,400 --> 00:09:14,520 Speaker 1: give you a little humor in the middle of the day. 107 00:09:14,840 --> 00:09:18,520 Speaker 1: It usually comes somewhere between noon and one o'clock. There 108 00:09:18,520 --> 00:09:22,680 Speaker 1: will be links to different stories, some clips of the show, 109 00:09:22,840 --> 00:09:25,640 Speaker 1: and whatever else Darryl Kunda has on his mind at 110 00:09:25,640 --> 00:09:28,760 Speaker 1: that point related to the show. It's free. We never 111 00:09:28,840 --> 00:09:33,040 Speaker 1: share nor sell your email address, never have, never will, 112 00:09:33,520 --> 00:09:35,840 Speaker 1: and you can sign up for that quickly and easily 113 00:09:36,240 --> 00:09:39,360 Speaker 1: at Michael Berryshow dot com. You can also buy Michael 114 00:09:39,400 --> 00:09:43,200 Speaker 1: Berry's show merchandise while you're there, and it'll give you 115 00:09:43,200 --> 00:09:45,640 Speaker 1: a link to our Facebook page, our Twitter page, and 116 00:09:45,679 --> 00:09:53,360 Speaker 1: our Instagram. I tweet on occasion. I use Instagram infrequently, 117 00:09:53,720 --> 00:09:57,080 Speaker 1: but I'm on Facebook rather actively, and that's where I 118 00:09:57,120 --> 00:10:01,320 Speaker 1: get the most fun. Instagram Twitter tends to be other 119 00:10:01,440 --> 00:10:04,440 Speaker 1: media people, so you sort of post ideas there that 120 00:10:04,480 --> 00:10:06,440 Speaker 1: you want to get out there, and I'll use it 121 00:10:06,480 --> 00:10:09,720 Speaker 1: as a news source. But Facebook is where the folks 122 00:10:09,760 --> 00:10:12,760 Speaker 1: who I think are engaged with the show are most engaging, 123 00:10:12,840 --> 00:10:15,000 Speaker 1: and I find that to be a lot of fun. 124 00:10:15,320 --> 00:10:18,760 Speaker 1: So that is there. I would like to get your 125 00:10:18,840 --> 00:10:22,040 Speaker 1: adoption stories in sooner rather than later, so that we 126 00:10:22,040 --> 00:10:24,360 Speaker 1: can figure out how many we're going to use and 127 00:10:24,400 --> 00:10:27,520 Speaker 1: where we're going to use them. Normally, I get those 128 00:10:27,559 --> 00:10:29,840 Speaker 1: too late and the show has begun and I can't 129 00:10:29,840 --> 00:10:31,640 Speaker 1: get them all in, and I feel bad that people 130 00:10:31,679 --> 00:10:33,960 Speaker 1: have written them. So if you could take a moment 131 00:10:34,000 --> 00:10:37,640 Speaker 1: today and just quickly tell your adoption story, we would 132 00:10:38,080 --> 00:10:39,760 Speaker 1: love to be able to use that on the show 133 00:10:39,960 --> 00:10:46,400 Speaker 1: next week. I had gone back to what was then 134 00:10:46,520 --> 00:10:50,240 Speaker 1: my dad's house. We moved him to Houston a few 135 00:10:50,280 --> 00:10:53,920 Speaker 1: months later, September nineteenth, last year, my mom passed, and 136 00:10:54,000 --> 00:10:57,199 Speaker 1: so i'd gone back to visit him, and he hadn't 137 00:10:57,280 --> 00:11:02,560 Speaker 1: changed anything. So on the table beside her recliner was 138 00:11:03,120 --> 00:11:05,360 Speaker 1: books because she was always reading, and one of the 139 00:11:05,400 --> 00:11:11,000 Speaker 1: books was selected poems of Robert Frost. And I love 140 00:11:11,080 --> 00:11:15,120 Speaker 1: Robert Frost. And I realized that probably a good portion 141 00:11:15,160 --> 00:11:17,200 Speaker 1: of the reason I love Robert Frost is that my 142 00:11:17,240 --> 00:11:19,280 Speaker 1: mother would quote Robert Frost when I was growing up, 143 00:11:19,640 --> 00:11:25,160 Speaker 1: and obviously I had an inclination toward there. So I 144 00:11:25,160 --> 00:11:27,960 Speaker 1: would now ramon, like to read you a poem one 145 00:11:27,960 --> 00:11:31,400 Speaker 1: of my favorites. Could I have some nice poetry music? Oh, yes, 146 00:11:32,679 --> 00:11:35,200 Speaker 1: well that's quite nice. Now let me clear my throat. 147 00:11:37,440 --> 00:11:40,560 Speaker 1: You've heard it before. It's called the Road Not Taken 148 00:11:41,760 --> 00:11:45,800 Speaker 1: now English teachers like you to read these as if 149 00:11:45,840 --> 00:11:49,920 Speaker 1: they are prose without hitting the rhyming pattern. I enjoy 150 00:11:50,400 --> 00:11:52,880 Speaker 1: the rhyming pattern, so I'm going to use that, because 151 00:11:52,920 --> 00:11:57,840 Speaker 1: this is my classroom. Two roads diverged in a yellow wood, 152 00:11:58,480 --> 00:12:02,400 Speaker 1: and sorry, I could not travel both and be one traveler. 153 00:12:02,679 --> 00:12:05,800 Speaker 1: Long I stood and looked down one as far as 154 00:12:05,840 --> 00:12:10,160 Speaker 1: I could to where it bent in the undergrowth. Then 155 00:12:10,320 --> 00:12:14,080 Speaker 1: took the other, as just as fair and having perhaps 156 00:12:14,120 --> 00:12:17,440 Speaker 1: the better claim, because it was grassy and wanted, where 157 00:12:17,960 --> 00:12:20,760 Speaker 1: though as far as that the passing there had worn 158 00:12:20,840 --> 00:12:25,400 Speaker 1: them really about the same, and both that morning equally 159 00:12:25,480 --> 00:12:28,680 Speaker 1: lay in leaves. No step had trodden black. 160 00:12:30,360 --> 00:12:30,560 Speaker 3: Oh. 161 00:12:30,600 --> 00:12:33,960 Speaker 1: I kept the first for another day, Yet, knowing how 162 00:12:34,120 --> 00:12:36,520 Speaker 1: way leads on to wigh, I doubted if I should 163 00:12:36,520 --> 00:12:39,760 Speaker 1: ever come back, I shall be telling this with a sigh. 164 00:12:39,880 --> 00:12:44,240 Speaker 1: Somewhere ages and ages. Hence, two roads diverged in a wood, 165 00:12:44,280 --> 00:12:47,760 Speaker 1: and I I took the one less traveled by, and 166 00:12:47,800 --> 00:12:53,160 Speaker 1: that has made all the difference. I'll give you one 167 00:12:53,160 --> 00:12:57,000 Speaker 1: more moment. This one is called stopping by woods on 168 00:12:57,080 --> 00:13:00,520 Speaker 1: a snowy evening. Again, these are the two of the 169 00:13:00,559 --> 00:13:04,920 Speaker 1: most widely known of Robert Frost's poetry, but I love them. 170 00:13:05,840 --> 00:13:13,760 Speaker 1: This is short whose wood? Whose woods these are? I 171 00:13:13,800 --> 00:13:16,760 Speaker 1: think I know his house is in the village. Though 172 00:13:17,480 --> 00:13:20,400 Speaker 1: he will not see me stopping here to watch his 173 00:13:20,520 --> 00:13:24,120 Speaker 1: woods fill up with snow. My little horse must think 174 00:13:24,160 --> 00:13:28,040 Speaker 1: it queer to stop without a farmhouse near. Between the 175 00:13:28,080 --> 00:13:31,720 Speaker 1: woods and frozen lake, the darkest evening of the year, 176 00:13:32,600 --> 00:13:35,439 Speaker 1: he gives his harness bells the shape to ask if 177 00:13:35,440 --> 00:13:38,800 Speaker 1: there is some mistake. The only other sounds the sweep 178 00:13:39,000 --> 00:13:42,960 Speaker 1: of easy wind and downy flake. The woods are lovely, 179 00:13:43,360 --> 00:13:46,480 Speaker 1: dark and deep. But I have promises to keep, and 180 00:13:46,600 --> 00:13:50,520 Speaker 1: miles to go before I sleep, and miles to go 181 00:13:51,200 --> 00:13:55,440 Speaker 1: before I sleep. I had the most wonderful English teacher 182 00:13:55,679 --> 00:14:00,920 Speaker 1: for a senior year English named June Hardy, and as 183 00:14:01,000 --> 00:14:04,640 Speaker 1: luck would have it, the first year she taught was 184 00:14:04,679 --> 00:14:08,439 Speaker 1: my mother's senior year. If my mother had been one 185 00:14:08,480 --> 00:14:10,800 Speaker 1: year younger, she would not have had June Hardy as 186 00:14:10,800 --> 00:14:13,080 Speaker 1: her young teacher, who at the time was only twenty 187 00:14:13,120 --> 00:14:17,480 Speaker 1: two years old, having just graduated from college. And my 188 00:14:17,679 --> 00:14:20,880 Speaker 1: mother adored June Hardy. My mother went to Western Stark 189 00:14:20,920 --> 00:14:22,760 Speaker 1: High School in Orange We lived out in the country 190 00:14:22,760 --> 00:14:25,560 Speaker 1: in Orangefield's not the country anymore. It's just a suburb 191 00:14:25,560 --> 00:14:27,360 Speaker 1: of orange now, but at the time it was out 192 00:14:27,400 --> 00:14:33,480 Speaker 1: in the country. And so in about seventh or eighth grade, 193 00:14:33,520 --> 00:14:36,760 Speaker 1: I don't know, somewhere around there, lo and behold, Miss 194 00:14:36,800 --> 00:14:41,960 Speaker 1: Hardy moves out to Orangefield High School to teach. So 195 00:14:42,880 --> 00:14:46,080 Speaker 1: my mom comes to pick me up I'm not driving yet, 196 00:14:46,320 --> 00:14:48,560 Speaker 1: and comes into the school. It was parents niter, I 197 00:14:48,600 --> 00:14:51,040 Speaker 1: don't know where it was, and she sees Miss Hardy 198 00:14:51,360 --> 00:14:53,680 Speaker 1: and she asked, Miss Hardy, will you stay long enough 199 00:14:53,680 --> 00:14:56,000 Speaker 1: to teach Michael? That would be my dream? And she did. 200 00:14:56,400 --> 00:14:58,800 Speaker 1: And I think she only taught one more year after me. 201 00:14:59,280 --> 00:15:04,440 Speaker 1: But our lives as high school seniors book ended Miss Hardy, 202 00:15:04,840 --> 00:15:08,000 Speaker 1: Miss Hardy's teaching tenure, and she had us. We had 203 00:15:08,040 --> 00:15:11,120 Speaker 1: to memorize ten poems the first semester in ten poems 204 00:15:11,160 --> 00:15:13,920 Speaker 1: a second, and damned if I can't quote every one 205 00:15:13,960 --> 00:15:17,080 Speaker 1: of those ten poems, the prologue to the Canterbury Tales, 206 00:15:18,640 --> 00:15:22,320 Speaker 1: the passionate Shepherd to his Love. It's just amazing to 207 00:15:22,360 --> 00:15:26,520 Speaker 1: me how much what high hopes this woman had for us, 208 00:15:26,560 --> 00:15:29,240 Speaker 1: and how much of that I carry with me everywhere 209 00:15:29,280 --> 00:15:33,080 Speaker 1: I go. And I just think to myself, what a 210 00:15:33,120 --> 00:15:36,760 Speaker 1: glorious thing. I learned those things at eighteen years old, 211 00:15:37,520 --> 00:15:42,320 Speaker 1: and now I, as a practice will recite those just 212 00:15:42,360 --> 00:15:47,320 Speaker 1: to myself, just in the shower. At nineteen years old, 213 00:15:47,360 --> 00:15:50,400 Speaker 1: I stood at the Jefferson Memorial and there is an 214 00:15:50,440 --> 00:15:55,040 Speaker 1: inscription behind him, and I stood there until I memorized it, 215 00:15:55,680 --> 00:15:57,600 Speaker 1: and I went back to my dorm. That night, I 216 00:15:57,640 --> 00:16:00,880 Speaker 1: was at a little government internship. I did it, and 217 00:16:00,920 --> 00:16:02,800 Speaker 1: to this day, not a month goes by. I don't 218 00:16:02,800 --> 00:16:05,720 Speaker 1: recite that, so I don't forget it. There's no real 219 00:16:05,760 --> 00:16:10,040 Speaker 1: point to that story, but I'd share it. Sorry, Michael Show. 220 00:16:13,000 --> 00:16:19,560 Speaker 1: I'm not naturally drawn to female lead singers. When I 221 00:16:19,600 --> 00:16:22,640 Speaker 1: say that, people get annoyed, like I'm insulting women. It's not. 222 00:16:23,120 --> 00:16:25,480 Speaker 1: You know, you like chocolate. I like vanilla. That doesn't 223 00:16:25,520 --> 00:16:30,440 Speaker 1: mean I think chocolate is horrible. It's just I've just 224 00:16:30,480 --> 00:16:35,800 Speaker 1: found that I've never been been too. As a general rule, 225 00:16:36,400 --> 00:16:40,240 Speaker 1: I am less interested in female singers. I don't know why. 226 00:16:41,360 --> 00:16:45,120 Speaker 1: I do love Dolly. I adore Dolly. Don't tell anybody, 227 00:16:45,160 --> 00:16:53,040 Speaker 1: but I actually like share a lot. I love Stevie Nicks, 228 00:16:53,360 --> 00:16:59,160 Speaker 1: absolutely love Stevie Nicks. Many as the night that I 229 00:16:59,200 --> 00:17:01,360 Speaker 1: will where I go to bed, flip over on the 230 00:17:01,400 --> 00:17:08,000 Speaker 1: YouTube machine and watch the the acoustic that she and 231 00:17:08,040 --> 00:17:11,840 Speaker 1: Lindsey Buckingham do of Landslide, and then she goes or 232 00:17:12,000 --> 00:17:15,840 Speaker 1: he's doing his his solo and she goes around behind 233 00:17:15,880 --> 00:17:18,800 Speaker 1: him and puts her hands on his shoulders, and you're thinking, well, 234 00:17:18,840 --> 00:17:22,320 Speaker 1: why can't they just get back together? But there's it's 235 00:17:22,359 --> 00:17:25,720 Speaker 1: one of those things. It's just there's so much hurt 236 00:17:26,040 --> 00:17:29,840 Speaker 1: and so much history, but there's also so much love 237 00:17:29,960 --> 00:17:32,879 Speaker 1: and you see it at that moment. Anyway, that's more 238 00:17:32,880 --> 00:17:37,840 Speaker 1: than you want to hear. Did I mention Tina Turner? 239 00:17:38,720 --> 00:17:43,120 Speaker 1: I actually like to hear Whitney Houston sing just just 240 00:17:43,119 --> 00:17:47,080 Speaker 1: just the power of her pipes is incredible. Is there 241 00:17:47,080 --> 00:17:51,840 Speaker 1: anybody else? From home? So last night where I went 242 00:17:51,880 --> 00:17:54,960 Speaker 1: to bed, I flipped over to YouTube, and because I 243 00:17:55,000 --> 00:17:56,879 Speaker 1: watch a lot of music stuff just before I go 244 00:17:56,920 --> 00:17:58,720 Speaker 1: to bed, because I don't want any more politics. At 245 00:17:58,720 --> 00:18:01,919 Speaker 1: that point, there was the Hall of Fame induction of 246 00:18:04,720 --> 00:18:11,200 Speaker 1: Warren Yvonne, which was conducted by David Letterman. Oddly enough, 247 00:18:11,440 --> 00:18:14,199 Speaker 1: I did not know that Warren Yvonne filled in for 248 00:18:14,200 --> 00:18:16,399 Speaker 1: Paul Schaeffer when Paul Schaeffer was out. You knew all 249 00:18:16,440 --> 00:18:20,080 Speaker 1: that you know everything, but I don't know anything. I don't. 250 00:18:20,600 --> 00:18:22,720 Speaker 1: I didn't think David Letterman did as well as I 251 00:18:22,840 --> 00:18:25,040 Speaker 1: kind of expected him to do, to be completely honest, 252 00:18:25,440 --> 00:18:29,000 Speaker 1: it almost felt like he hadn't prepared. Weird. But that 253 00:18:29,080 --> 00:18:33,720 Speaker 1: led me in the algorithm to Linda Ronstadt induction, and 254 00:18:33,880 --> 00:18:35,680 Speaker 1: she didn't travel that. I don't know if she's probably 255 00:18:35,680 --> 00:18:39,919 Speaker 1: having health problems with I guess. But they sing a 256 00:18:40,000 --> 00:18:44,439 Speaker 1: number of Lenda Ronstadt's songs and Glenn Frye is the 257 00:18:44,480 --> 00:18:47,720 Speaker 1: one who first speaks, because of course he and Henley 258 00:18:47,720 --> 00:18:49,680 Speaker 1: had the relationship with her as her backing band. And 259 00:18:49,760 --> 00:18:51,840 Speaker 1: then she supported them to go off on their own, 260 00:18:52,240 --> 00:18:56,719 Speaker 1: and then they brought out Carrie Underwood to start singing. 261 00:18:57,119 --> 00:19:00,960 Speaker 1: And then Carrie Underwood said, please well to the stage, 262 00:19:02,240 --> 00:19:06,320 Speaker 1: Emmie Lou Harris and Bonnie Ray, and then they sang 263 00:19:06,320 --> 00:19:09,280 Speaker 1: a song and they said, please welcome our friend Stevie Nicks, 264 00:19:09,640 --> 00:19:13,000 Speaker 1: and the four of them sang Linda Ronstadt songs and 265 00:19:13,520 --> 00:19:15,919 Speaker 1: it was a lot of girl power and I was 266 00:19:16,040 --> 00:19:20,239 Speaker 1: enjoying it. It was wow, man, that there is a 267 00:19:20,280 --> 00:19:23,040 Speaker 1: lot going on on that stage, and that of course 268 00:19:23,160 --> 00:19:25,360 Speaker 1: led me back for the five hundred and sixteenth time 269 00:19:26,200 --> 00:19:31,800 Speaker 1: to watching the induction of led Zeppelin and the culmination 270 00:19:32,160 --> 00:19:38,679 Speaker 1: of which is and Nancy Wilson doing Stairway to Heaven 271 00:19:39,119 --> 00:19:43,600 Speaker 1: with this big black gospel choir behind them, and they 272 00:19:43,680 --> 00:19:46,680 Speaker 1: keep painting in on Robert Plant and he's fighting back 273 00:19:46,720 --> 00:19:50,520 Speaker 1: the tears because it's really really a powerful one. Kennedy 274 00:19:50,520 --> 00:19:53,040 Speaker 1: Center Honors, I'm sorry, what did I call it? Yeah, 275 00:19:53,160 --> 00:19:58,560 Speaker 1: Kennedy Center Honors are are much better. And now we 276 00:19:58,640 --> 00:20:01,160 Speaker 1: got Donald Trump as the head of the Kennedy Center. 277 00:20:01,640 --> 00:20:02,760 Speaker 1: What a ball or move? 278 00:20:02,840 --> 00:20:03,119 Speaker 2: You know what. 279 00:20:03,160 --> 00:20:06,439 Speaker 1: I'm just gonna put myself there, oh, mister President, the tradition. 280 00:20:06,480 --> 00:20:08,560 Speaker 1: I'm just gonna do it. I'm gonna do it. Ain't 281 00:20:08,560 --> 00:20:12,240 Speaker 1: not gonna stop me. And that's what's gonna happen. Two 282 00:20:12,359 --> 00:20:15,119 Speaker 1: emails that I got a kick out of this morning. 283 00:20:15,119 --> 00:20:18,920 Speaker 1: One from Terry Trainor. She says, good evening. My name 284 00:20:19,000 --> 00:20:21,280 Speaker 1: is Terry Ann Trainer. That's O R or not e 285 00:20:21,440 --> 00:20:23,119 Speaker 1: R if your one of them. And I am the 286 00:20:23,160 --> 00:20:25,960 Speaker 1: stepmom of Billy Trainer, who has recently opened a new 287 00:20:25,960 --> 00:20:31,720 Speaker 1: restaurant called Good God Nadines. Good God Nadines. The address 288 00:20:31,800 --> 00:20:34,879 Speaker 1: is thirty three Wall, not far from Washington Avenue. I 289 00:20:35,000 --> 00:20:37,600 Speaker 1: was wondering if you might stop by there sometime some 290 00:20:37,760 --> 00:20:41,040 Speaker 1: afternoon and taste some of their delightful items on the menu. 291 00:20:41,560 --> 00:20:44,720 Speaker 1: They open at four pm. They serve all kinds of beer, wine, 292 00:20:44,760 --> 00:20:48,320 Speaker 1: and cocktails. Two. Thank you for your time, regards, Terry 293 00:20:48,320 --> 00:20:51,720 Speaker 1: Ann Trainer. It's almost like she thought I wouldn't go 294 00:20:51,800 --> 00:20:54,280 Speaker 1: there just for the food. I'd have to go there. 295 00:20:55,359 --> 00:20:58,359 Speaker 1: She might lure me in with the liquor. Anytime you 296 00:20:58,400 --> 00:21:00,920 Speaker 1: want to brag on your parent or your I will 297 00:21:00,960 --> 00:21:04,560 Speaker 1: read your email gladly. Don't mind that one bit, which 298 00:21:04,600 --> 00:21:08,200 Speaker 1: brings us to the email from Greg, who writes Czar. 299 00:21:08,320 --> 00:21:11,320 Speaker 1: I got a call for my youngest son yesterday, so excited. 300 00:21:11,680 --> 00:21:15,600 Speaker 1: He's at Camp Pendleton Marine. They were all so excited 301 00:21:15,640 --> 00:21:19,400 Speaker 1: to see Secretary Pete and Vice President Vance. They all 302 00:21:19,440 --> 00:21:22,879 Speaker 1: got on buses. He was about ten rows back. Said 303 00:21:22,960 --> 00:21:26,080 Speaker 1: everyone was so happy. It was a real morale boost. 304 00:21:26,760 --> 00:21:30,680 Speaker 1: I'm bucked out, and I see that's nice, that's very nice. 305 00:21:30,800 --> 00:21:34,560 Speaker 1: I saw a meme from the Babylon b that said 306 00:21:35,920 --> 00:21:41,520 Speaker 1: Dave Ramsey hospitalized in critical condition after learning of fifty 307 00:21:41,600 --> 00:21:44,160 Speaker 1: year mortgage, and I sent it to him. I don't 308 00:21:44,160 --> 00:21:45,880 Speaker 1: know if he'd sen it or not. I would hope 309 00:21:45,920 --> 00:21:47,960 Speaker 1: he'd get a kick out of it. I know I 310 00:21:48,000 --> 00:21:52,240 Speaker 1: did the idea that this is antithetical to everything that 311 00:21:52,320 --> 00:21:56,920 Speaker 1: Dave Ramsey stands for. Pay cash, if you take debt, 312 00:21:57,000 --> 00:22:01,600 Speaker 1: pay it off quickly, don't carry debt. And I've been 313 00:22:01,640 --> 00:22:05,359 Speaker 1: reading people losing their minds over this, and it took 314 00:22:05,400 --> 00:22:07,840 Speaker 1: me to a case that came up the last couple 315 00:22:07,840 --> 00:22:10,720 Speaker 1: of weeks. I'll start with that case. So a friend 316 00:22:10,760 --> 00:22:16,080 Speaker 1: of mine asked me what I thought of him taking 317 00:22:16,080 --> 00:22:20,480 Speaker 1: a reverse mortgage, and immediately I winced, because you know, 318 00:22:20,600 --> 00:22:24,960 Speaker 1: reverse mortgages are awful. They're horrible. They're terrible. But I've 319 00:22:24,960 --> 00:22:28,760 Speaker 1: never really read the details, and I'm certainly not suggesting 320 00:22:28,800 --> 00:22:32,679 Speaker 1: that anyone get one. But I do think that he 321 00:22:32,800 --> 00:22:37,240 Speaker 1: is in the unique situation where a reverse mortgage is 322 00:22:37,280 --> 00:22:40,159 Speaker 1: not necessarily a bad thing. And I'll tell you why. 323 00:22:40,920 --> 00:22:45,520 Speaker 1: He's not married, he does not have any airs, he 324 00:22:45,640 --> 00:22:50,719 Speaker 1: owns his home outright, And so I started talking through, well, 325 00:22:50,760 --> 00:22:54,560 Speaker 1: let's look at other options. You're at an age where 326 00:22:54,560 --> 00:22:57,760 Speaker 1: you're not going to work any longer, you want more 327 00:22:57,800 --> 00:23:02,560 Speaker 1: than the social Security benefits you're getting, and you're trying 328 00:23:02,560 --> 00:23:05,760 Speaker 1: to unlock the equity in your home and This is 329 00:23:05,800 --> 00:23:08,680 Speaker 1: a struggle that people have. This will relate back to 330 00:23:08,680 --> 00:23:10,280 Speaker 1: the fifty year mortgage. So so I hang with me 331 00:23:10,320 --> 00:23:13,080 Speaker 1: for a moment. But the great frustration that people have 332 00:23:13,840 --> 00:23:16,359 Speaker 1: is they've paid off their home. Now they have all 333 00:23:16,359 --> 00:23:18,080 Speaker 1: this money tied up in their home. But what your 334 00:23:18,080 --> 00:23:20,040 Speaker 1: home is worth is of no importance to you other 335 00:23:20,080 --> 00:23:21,720 Speaker 1: than the fact that you hope it's low because you 336 00:23:21,760 --> 00:23:23,840 Speaker 1: pay taxes on it, and then you hope it's high 337 00:23:23,880 --> 00:23:26,320 Speaker 1: when you sell it. But until you sell it, you 338 00:23:26,359 --> 00:23:30,600 Speaker 1: can't get that money back. This is the Michael Verie Show. Yeah, 339 00:23:30,760 --> 00:23:41,560 Speaker 1: that's the one man. So there is a point to 340 00:23:41,640 --> 00:23:47,560 Speaker 1: this story. My friend asked what I thought he'd been 341 00:23:47,600 --> 00:23:51,920 Speaker 1: talking to a reverse mortgage company. I don't remember who 342 00:23:51,920 --> 00:24:00,600 Speaker 1: it was. You see reverse mortgages marketed pretty hard. Fox 343 00:24:01,600 --> 00:24:07,000 Speaker 1: and You've got jury. Is it Orbak or Orbach? You know? 344 00:24:07,119 --> 00:24:10,840 Speaker 1: Jerry Orback is one of them. Robert Wagner is one 345 00:24:10,840 --> 00:24:15,480 Speaker 1: of them. That's probably the tom Selick. Yeah, Henry Winkler 346 00:24:15,960 --> 00:24:19,919 Speaker 1: did Fred Thompson die? Red Thompson was one of them. 347 00:24:20,480 --> 00:24:22,840 Speaker 1: I think the whole reason for the tom Selick, if 348 00:24:22,840 --> 00:24:26,720 Speaker 1: I'm being completely honest, I think they want Jimmy Pappas's 349 00:24:26,760 --> 00:24:30,320 Speaker 1: home because I don't I don't think anybody in the 350 00:24:30,359 --> 00:24:36,960 Speaker 1: country would be suckered into doing a reverse mortgage unless 351 00:24:37,680 --> 00:24:40,840 Speaker 1: Tom Selick did it, other than Jimmy Pappas. I really 352 00:24:40,840 --> 00:24:43,760 Speaker 1: believe that. I think they calculated because he has a 353 00:24:43,880 --> 00:24:46,920 Speaker 1: very expensive house. I think they calculated. All right, what's 354 00:24:46,920 --> 00:24:49,360 Speaker 1: his house worth? How long will it do? You got 355 00:24:49,359 --> 00:24:51,440 Speaker 1: to be sixty two and he's got to be seventy. 356 00:24:51,960 --> 00:24:53,639 Speaker 1: You have to be a minimum of sixty two to 357 00:24:53,720 --> 00:24:56,840 Speaker 1: qualify for these things. So best I can tell with 358 00:24:56,920 --> 00:24:59,880 Speaker 1: a cursory reading, it works like this. I'm not from 359 00:25:00,040 --> 00:25:02,520 Speaker 1: voting him. If anybody's worried, I know they have a 360 00:25:02,520 --> 00:25:07,760 Speaker 1: bad name. From what I understand, they give you a 361 00:25:07,840 --> 00:25:13,359 Speaker 1: percentage of the value. So let's say the value of 362 00:25:13,400 --> 00:25:15,400 Speaker 1: your home. I think my friend's home is worth one 363 00:25:15,520 --> 00:25:17,960 Speaker 1: they estimate it to be or yeah, they estimate to 364 00:25:17,960 --> 00:25:20,639 Speaker 1: be one thirty. But to make it easy, let's make 365 00:25:20,640 --> 00:25:26,600 Speaker 1: it a hundred. So they are offering him thirty percent 366 00:25:26,840 --> 00:25:30,920 Speaker 1: of the value of his home. So it was about 367 00:25:31,119 --> 00:25:36,359 Speaker 1: forty thousand dollars and you could do that either on 368 00:25:36,480 --> 00:25:39,000 Speaker 1: a monthly. I think it was seven hundred and eighty 369 00:25:39,000 --> 00:25:41,800 Speaker 1: seven dollars a month, I remember correctly, or you could 370 00:25:41,800 --> 00:25:45,880 Speaker 1: get it as a lump sum, which would be less money. 371 00:25:46,040 --> 00:25:49,160 Speaker 1: Thus begins a loan that they have made to you, 372 00:25:50,280 --> 00:25:54,639 Speaker 1: but you don't have to repay the loan to them yourself. 373 00:25:56,359 --> 00:25:59,680 Speaker 1: Once they give you that loan, it begins to accrue 374 00:25:59,680 --> 00:26:05,119 Speaker 1: intro they recover their payment should you sell the house, 375 00:26:06,480 --> 00:26:10,760 Speaker 1: move out for any reason, or die. They're betting on 376 00:26:10,840 --> 00:26:13,080 Speaker 1: you dying because if you were going to sell the house, 377 00:26:13,760 --> 00:26:15,800 Speaker 1: it's a better deal to just sell the house now. 378 00:26:17,400 --> 00:26:19,760 Speaker 1: So what they're what they're what they're trying to do 379 00:26:20,320 --> 00:26:23,880 Speaker 1: is find situations where somebody is in the last few 380 00:26:23,920 --> 00:26:29,159 Speaker 1: years of their lives. They're good for nothing. Grandson needs 381 00:26:29,320 --> 00:26:34,080 Speaker 1: money to go to rehab, a bail bondsman, or whatever else, 382 00:26:34,720 --> 00:26:37,919 Speaker 1: and grandma will do anything for her grandson. Tell me, 383 00:26:37,960 --> 00:26:39,560 Speaker 1: you don't know these stories, because I can. I can 384 00:26:39,640 --> 00:26:41,560 Speaker 1: rattle off twenty of these if you give me five minutes, 385 00:26:41,600 --> 00:26:43,440 Speaker 1: I can rattle off twenty cases I know of this 386 00:26:43,800 --> 00:26:48,760 Speaker 1: exact type thing. So it's the last couple of years 387 00:26:48,760 --> 00:26:52,560 Speaker 1: of your life. You've got equity tied up in the 388 00:26:52,600 --> 00:26:56,000 Speaker 1: house that you cannot get out easily. So I start 389 00:26:56,040 --> 00:26:58,600 Speaker 1: talking him through. I said, well, what if we were 390 00:26:58,640 --> 00:27:02,280 Speaker 1: to say, I'll say his name is Ramone, It's not Ramone, 391 00:27:02,520 --> 00:27:05,800 Speaker 1: you man if I use Ramone? Okay? So I said, Ramon, 392 00:27:06,000 --> 00:27:09,320 Speaker 1: what if we were to sell the house to someone 393 00:27:09,320 --> 00:27:15,600 Speaker 1: who lets you live there with a life tendency? And 394 00:27:15,600 --> 00:27:18,520 Speaker 1: he said, all right, you got somebody to do that. No, 395 00:27:19,080 --> 00:27:21,159 Speaker 1: But I'm just I'm thinking of options before you do 396 00:27:21,240 --> 00:27:24,119 Speaker 1: something like this. I gotta find out why the reverse 397 00:27:24,160 --> 00:27:27,720 Speaker 1: mortgage is so bad, So I start reading about it. Now. 398 00:27:27,800 --> 00:27:33,119 Speaker 1: Now follow me here for a moment. Okay, if you say, 399 00:27:33,600 --> 00:27:36,040 Speaker 1: if someone sees you having a drink, well, it's bad 400 00:27:36,080 --> 00:27:41,159 Speaker 1: for you. Technically it is. So are French fries, So 401 00:27:41,280 --> 00:27:44,800 Speaker 1: are baked potatoes, So are a number of things. They're 402 00:27:44,840 --> 00:27:49,399 Speaker 1: quote unquote bad for you. They hasten your death, presumably 403 00:27:49,400 --> 00:27:53,080 Speaker 1: statistics would show. So it becomes a balancing act that 404 00:27:53,160 --> 00:27:56,440 Speaker 1: an individual gets to make for themselves. Does the enjoyment 405 00:27:56,480 --> 00:28:00,000 Speaker 1: of that product supersede the four minutes less of life? 406 00:28:00,080 --> 00:28:02,800 Speaker 1: If you're going to have I guess that's a decision 407 00:28:02,800 --> 00:28:05,840 Speaker 1: you have to make for yourself. But this, this knee 408 00:28:05,920 --> 00:28:08,200 Speaker 1: jerk reaction of this is bad for you, and this 409 00:28:08,400 --> 00:28:09,800 Speaker 1: is bad for you, and this is bad for you, 410 00:28:10,160 --> 00:28:15,920 Speaker 1: without any real thought given to it. It at a minimum, 411 00:28:15,920 --> 00:28:19,000 Speaker 1: it's unsophisticated. I'll leave it there because the other words 412 00:28:19,040 --> 00:28:21,639 Speaker 1: I'm going to use her are a bit more harsh. 413 00:28:22,200 --> 00:28:24,280 Speaker 1: So I start. I didn't spend a lot of time 414 00:28:24,320 --> 00:28:26,000 Speaker 1: on it, but I started reading a little bit about it, 415 00:28:26,400 --> 00:28:28,560 Speaker 1: and I mean Henry Winkler was selling it. Ramon if 416 00:28:28,600 --> 00:28:32,680 Speaker 1: Henry winks the faund right, So I said. My immediate 417 00:28:32,720 --> 00:28:38,840 Speaker 1: reaction was no, Ramon stupid idea. Don't do that. That's horrible. Okay, well, 418 00:28:38,880 --> 00:28:42,000 Speaker 1: what what alternative do you offer me? I've got I've 419 00:28:42,000 --> 00:28:44,840 Speaker 1: got this house and I want to it's worth something. 420 00:28:45,800 --> 00:28:49,120 Speaker 1: So I start thinking, follow me here, because I'm going 421 00:28:49,160 --> 00:28:51,280 Speaker 1: to ask you to get off your your normal track. 422 00:28:51,800 --> 00:28:54,160 Speaker 1: So if you've got a paid off house but you're 423 00:28:54,200 --> 00:28:58,800 Speaker 1: short of cash, what else are you to do? Well, 424 00:28:58,840 --> 00:29:02,360 Speaker 1: the reason we say don't do it is because you're 425 00:29:02,360 --> 00:29:04,720 Speaker 1: going to pass that home to your children and you're 426 00:29:04,760 --> 00:29:08,280 Speaker 1: reducing the size of your estate in what would seem 427 00:29:08,480 --> 00:29:17,080 Speaker 1: like a not very advantageous transaction. However, people can be 428 00:29:17,240 --> 00:29:21,760 Speaker 1: in a position where a higher rate of interest a 429 00:29:21,880 --> 00:29:25,720 Speaker 1: less desirable In this case, loan makes sense for them 430 00:29:25,760 --> 00:29:30,600 Speaker 1: at that time. Let's take payday loans. Everybody hates payday loans. Oh, 431 00:29:30,640 --> 00:29:37,080 Speaker 1: payday loan companies, they're predators. Predators. Huh Okay, what do 432 00:29:37,120 --> 00:29:39,520 Speaker 1: they do that They kick down the door and go 433 00:29:39,600 --> 00:29:45,080 Speaker 1: in and take people's money. No, payday loans. Rent a 434 00:29:45,120 --> 00:29:50,200 Speaker 1: space in an undesirable part of town. Why undesirable parts 435 00:29:50,200 --> 00:29:52,880 Speaker 1: of town have people that are more likely to be 436 00:29:52,960 --> 00:29:56,520 Speaker 1: in a financial crisis, And in a financial crisis, they 437 00:29:56,560 --> 00:30:00,120 Speaker 1: take some money before they're going to get paid, and 438 00:30:00,120 --> 00:30:02,160 Speaker 1: then they have to pay back considerably more than that. 439 00:30:03,080 --> 00:30:05,160 Speaker 1: And that's not good because you didn't borrow the money 440 00:30:05,160 --> 00:30:08,240 Speaker 1: that long. Okay, so let's put them out of business. Okay, 441 00:30:08,280 --> 00:30:09,960 Speaker 1: we'll put them out of business because we don't want 442 00:30:09,960 --> 00:30:12,400 Speaker 1: people making these bad decisions. Why did they make that 443 00:30:12,440 --> 00:30:16,960 Speaker 1: bad decision. We're not going to allow people to make 444 00:30:17,000 --> 00:30:21,000 Speaker 1: bad decisions for themselves. There was a reason they made 445 00:30:21,000 --> 00:30:25,000 Speaker 1: that bad decision. Nobody likes the pawnshop model. But they're busy, 446 00:30:25,000 --> 00:30:28,600 Speaker 1: aren't they. So the question is do we allow people 447 00:30:28,600 --> 00:30:31,640 Speaker 1: to make decisions for themselves even when we say that 448 00:30:31,680 --> 00:30:34,479 Speaker 1: those decisions aren't on the Dave Ramsey model, they're not 449 00:30:34,840 --> 00:30:38,600 Speaker 1: on the best Financial Practices model. Well, maybe they're not 450 00:30:38,720 --> 00:30:40,680 Speaker 1: in a situation. Oh, you're eating that food that's not 451 00:30:40,720 --> 00:30:43,080 Speaker 1: good for you. I'm starving. I haven't eaten in three days. 452 00:30:43,080 --> 00:30:44,200 Speaker 1: I'm poor. Yeah, i am