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Speaker 1: Hi, and welcome back to the Carol Markowitz Show on iHeartRadio.

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Speaker 1: Yesterday was Valentine's Day, and I have to be honest

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Speaker 1: with my listeners. We don't do Valentine's Day in our home.

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Speaker 1: I just have always found the day cheesy, and my

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Speaker 1: husband obviously loves that he's cleared from buying me over

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Speaker 1: price flowers or taking me to some five hundred dollars

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Speaker 1: prefix menu. But I've learned over the years not to

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Speaker 1: rain on everyone's parade. If you like the holiday and

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Speaker 1: you celebrate, I really hope you had a good one.

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Speaker 1: In my last monologue, I said that if you want

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Speaker 1: to meet someone, if you're single and you're hoping not

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Speaker 1: to be, one of the things you have to do

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Speaker 1: is cut off hooking up with someone from the past.

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Speaker 1: Despite my not enjoying Valentine's Day, I nevertheless think it's

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Speaker 1: a very good barometer for where your relationship is. If

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Speaker 1: you're sleeping with someone and you can't spend Valentine's Day

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Speaker 1: with them, even casually, then they are not for you

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Speaker 1: need to let go. We talk about loneliness, we talk

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Speaker 1: about how to meet people, but I rarely hear people

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Speaker 1: talk about how spending time with the wrong people is

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Speaker 1: stopping you from meeting the right person. It's really wasting

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Speaker 1: your time. If you want to meet the right person,

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Speaker 1: end it completely with the wrong one. When I talk

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Speaker 1: to single people, like I've said before, I don't want

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Speaker 1: to give them cliche advice like get out there, or

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Speaker 1: have you used the apps? Or other such comments. Katrina

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Speaker 1: Trinko had a great piece yesterday up on the Daily

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Speaker 1: Signal website. She wrote, it's so so ugly out there

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Speaker 1: in dating today. That really made me think, and I

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Speaker 1: feel this for my single friends so often there's no

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Speaker 1: easy solution. I want to read some more from Katrina's

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Speaker 1: piece quote. As conservatives look to advocate marriage, it's not

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Speaker 1: enough to talk about it's important. We need to talk

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Speaker 1: about healthy marriages. We need to talk about how porn

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Speaker 1: warps imaginations and hearts. We need to look at the bruised,

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Speaker 1: wounded singles of today and not say why aren't you married?

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Speaker 1: But is there a way I can help? Maybe it's

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Speaker 1: married couple setting up mutual friends. Maybe it's all of

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Speaker 1: us praying. Maybe it's helping a friend who is struggling

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Speaker 1: to become a better person which will benefit the culture.

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Speaker 1: Whether he ultimately gets married or not. Maybe sometimes it

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Speaker 1: is if asked for advice by a single friend to

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Speaker 1: gently nudge them away from excessive pickiness. Maybe it's married

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Speaker 1: couples with decades of success mentoring younger couples, helping them

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Speaker 1: learn how to communicate and love in a healthy way.

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Speaker 1: Maybe it's criticizing the dating landscape of today and saying,

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Speaker 1: who's happy? Can sexual pleasure really be worth all this?

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Speaker 1: Maybe it's showing there can be a different way where

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Speaker 1: you prioritize a selfless love, not just sexual pleasure. Maybe

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Speaker 1: it's more recently married couples who survive today's dating landscape,

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Speaker 1: sharing how they kept hope and persisted ute. What she

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Speaker 1: describes is what I hope to do with this show.

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Speaker 1: Advocate for marriage, yes, but show people how good it

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Speaker 1: can be and what it takes to make it good,

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Speaker 1: to be honest about it, to really be honest about it.

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Speaker 1: Although side note, I'd add that sexual pleasure is much

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Speaker 1: more common, according to every single study, in the married

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Speaker 1: world than in the single one, So if you're looking

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Speaker 1: for it, there there's your first mistake. The dating world

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Speaker 1: isn't easy, and I agree with Katrina that married people

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Speaker 1: should help make it easier for our single friends, set

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Speaker 1: up your single friends, and most importantly, tell them to

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Speaker 1: stop wasting time with their ex. Coming up next and

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Speaker 1: interview with Mitch Rochelle. Join us after the break.

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Speaker 2: Hi, and welcome back to the Carol Markowitz Show on iHeartRadio.

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Speaker 2: My guest today is Mitch Rochelle, Mitch's managing director at

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Speaker 2: Madison Ventures, visiting research fellow at the University of San

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Speaker 2: Diego School of Business, and a Center Clip contributor.

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Speaker 3: Hi, Mitch, So, nice to have you on.

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Speaker 4: Great to see it, Carol.

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Speaker 2: So, Mitch and I had been friendly for a long

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Speaker 2: time online and then we finally ran into each other

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Speaker 2: and met in person at a bot mitzvah in South Florida,

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Speaker 2: which I think is a very Florida Jewey story. Right,

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Speaker 2: how long have you been in Florida? What's your Florida timeline?

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Speaker 4: So this was a COVID sort of passion project. I

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Speaker 4: was doing a lot of segments on different networks talking

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Speaker 4: about this weird housing boom that was happening during COVID,

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Speaker 4: and my standard line was, when you're stuck in a

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Speaker 4: cabin and you have cabin fever, the thing you dream

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Speaker 4: about the most is having a new or bigger cabin. Yes,

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Speaker 4: So I started doing it. I was doing exactly what

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Speaker 4: audiences were doing. I was on like Redfin and Zillow

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Speaker 4: looking at houses in Florida. And we finally but my

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Speaker 4: college aged kids were at home because they got kicked

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Speaker 4: off campus. Once my kids went back to schoo my

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Speaker 4: wife and I came down to Florida, Southeast Florida. We

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Speaker 4: did our what and war trip to kind of figure

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Speaker 4: out what we wanted and where, and I finally found

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Speaker 4: the home that we're living in in July of twenty one.

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Speaker 4: We closed in July. I found it and closed in

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Speaker 4: the same calendar month, and amazing, we have been here

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Speaker 4: ever since.

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Speaker 3: That's awesome.

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Speaker 2: I mean, I think that that's the sort of the

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Speaker 2: timeline other than the closing within a month for most people,

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Speaker 2: like the figuring out where. And it was, you know,

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Speaker 2: during the COVID years, we just saw this, you know,

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Speaker 2: obviously huge influx of people. But my brother is a

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Speaker 2: realtor in New York, and he said that that COVID

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Speaker 2: time period, he was like, you were home, and you

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Speaker 2: started to realize everything that you hated about your home.

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Speaker 2: It was like looking around like I can't live here anymore.

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Speaker 3: This is crazy.

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Speaker 2: I got to get out of here, and obviously a

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Speaker 2: lot of people did just that.

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Speaker 3: So I see you as a very financy guy.

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Speaker 2: You're on Fox Business a lot what to a marias

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Speaker 2: misunderstand about finance in general, and maybe personal finance in particular.

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Speaker 4: I think personal finance is probably the most misunderstood thing

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Speaker 4: amongst upright walking mammals. All right, it's probably not just

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Speaker 4: true of America. I think it's probably a global phenomenon.

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Speaker 2: You're going to talk about non human like, you know,

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Speaker 2: monkeys also do not understand personal funding.

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Speaker 4: The some monkeys hoard bananas, so yeah, some monkeys can't

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Speaker 4: find bananas something. But I have a historical perspective in

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Speaker 4: it because back in my former life, when I was

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Speaker 4: a partner in a big accounting firm in the world

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Speaker 4: for for decades, I actually led an effort to teach

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Speaker 4: financial literacy to kids. And if there's one thing that

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Speaker 4: the financial crisis taught us, and I'm talking about the

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Speaker 4: eighth nine global financial crisis, is people didn't understand that

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Speaker 4: if you borrowed money, you actually had to repay it.

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Speaker 4: So we thought, maybe there's a way systemically that we

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Speaker 4: could help make this not happen again, and we started volunteering.

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Speaker 4: We actually volunteer as a firm a million hours in

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Speaker 4: schools across America, and so I learned a lot, and

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Speaker 4: I realized that teachers don't teach financial literacy to kids

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Speaker 4: because to teach it. Here's the one thing I'll say

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Speaker 4: about a teacher. Every teacher in their life has been

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Speaker 4: a substitute teacher once, and when you're a substitute teacher,

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Speaker 4: you're kind of unprepared and that the kids take advantage

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Speaker 4: of you. The thing that they feel most unprepared about

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Speaker 4: is to teach a topic that they don't know. So

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Speaker 4: financial literacy is a topic that they don't know. They're

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Speaker 4: probably not financial literacy themselves, so they don't teach it

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Speaker 4: to kids. So the problem we have is that no

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Speaker 4: one's teaching our kids about money, so that us as

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Speaker 4: a society don't understand money like it's period, full stop.

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Speaker 4: I think I mass hear the art of explaining complicated

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Speaker 4: financial things to America, and I do it on TV regularly,

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Speaker 4: but for the average person, they don't get it. And

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Speaker 4: I think until we start making financial literacy part of

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Speaker 4: the curriculum in fifty states, and we teach teachers how

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Speaker 4: to teach it. We're going to continue to have this

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Speaker 4: problem where people just don't understand money.

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Speaker 3: What age group do you aim that education at.

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Speaker 4: I thought the sweet spot was third to fifth graders. Literally,

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Speaker 4: first of all, they're interested in it. We would show

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Speaker 4: up in a school with fifteen volunteers and we'd say, hey,

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Speaker 4: we're here to talk about money. It wasn't an eye

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Speaker 4: in the room that didn't write up right, because kids

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Speaker 4: understand what money is and it's a topic that they

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Speaker 4: are somewhat passionate about, and we just put it. We

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Speaker 4: had a professional firm create curriculum for us, so it

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Speaker 4: was sort of boiled down. And our people and our

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Speaker 4: firm love volunte hearing in schools, so it was a

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Speaker 4: really neat program. It could be replicated. But teachers, again,

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Speaker 4: like there's probably not a teacher that hasn't been laid

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Speaker 4: on a credit card payment or doesn't have a student loan,

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Speaker 4: Like they just feel inadequate to talk about a topic

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Speaker 4: that they don't feel that they've mastered themselves. And that

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Speaker 4: as a result, and by the way, it's not like

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Speaker 4: the people in my firm who volunteered were like so final.

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Speaker 4: They were financially literate, but they probably you know, fell

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Speaker 4: behind a credit card payments like everybody else, right.

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Speaker 2: I mean, I don't think I could teach a class

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Speaker 2: like that. I feel like I generally understand the financial

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Speaker 2: systems or personal finance and what I could pass on

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Speaker 2: to my kids, But I don't know that I could.

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Speaker 2: Third to fifth graders. That's a tough demographic.

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Speaker 4: They're way more cooperative than the sixth to eighth graders.

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Speaker 4: That's why we like the third fifth graders.

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Speaker 3: That seems right. But I love that idea.

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Speaker 2: I think that that's something that we should be having

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Speaker 2: in all schools. Like, you know, we used to talk

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Speaker 2: about how to balance it check book and of course

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Speaker 2: nobody has check books now, but still the idea of

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Speaker 2: what comes in and what.

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Speaker 4: I come with props. Carol, This is on my desk,

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Speaker 4: a simple bag full of check book What do you

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Speaker 4: use them for?

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Speaker 3: Like electricity bills and that kind of thing.

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Speaker 4: No. There, one was there because I had to pay

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Speaker 4: taxes on January fifteenth. One was there because I had

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Speaker 4: to pay the guy who's doing my garage floor and garages.

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Speaker 5: With a check.

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Speaker 4: Yeah, they wanted a check, and.

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Speaker 3: They don't know about benmo.

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Speaker 4: Venmo Zelle, PayPal wire Well, I didn't want to pay

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Speaker 4: the fifteen dollars wire transfer fee, but they wanted to check.

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Speaker 3: Wow, I don't even know where to get one. I

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Speaker 3: call my bank.

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Speaker 4: My wife and I have this debate all the time,

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Speaker 4: like because my kids are in the workforce now, and

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Speaker 4: she goes, no one's ever taught them how to balance

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Speaker 4: a check book. I'm like, they don't write checks, right,

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Speaker 4: They've never they they yeah, they pay rent electronically. It's

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Speaker 4: an automatic hit from there.

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Speaker 2: Like yes, But the concept is the same, like making

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Speaker 2: sure that you don't have more going out than your

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Speaker 2: have going in. And I just and that seems like

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Speaker 2: an easy concept, but I think for a lot of

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Speaker 2: people that's really tough. I just read this fiction book

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Speaker 2: unrelated to you know, the financial system or anything. It

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Speaker 2: was called fast Food for Millionaires. And in the book,

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Speaker 2: this woman keeps making the wrong financial decisions. And that's

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Speaker 2: not even like the theme of the book, but I

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Speaker 2: felt like just yelling at her all the time. And

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Speaker 2: at the very end, after she's like gone to business

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Speaker 2: school and decided to like and she was trying to

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Speaker 2: get into this financial firm and she got landed a

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Speaker 2: really great job. She decided to like pursue her happiness

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Speaker 2: and like not take that job, And I'm like, no,

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Speaker 2: you're in debt, take the job, like you know. So

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Speaker 2: I think that kids could benefit from understanding that they

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Speaker 2: need to kind of make this visions that will pay

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Speaker 2: their bills and not just like we pursue happiness, you know.

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Speaker 4: I would say this that anxiety forget about like range

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Speaker 4: anxiety of electronic electric vehicles. I don't want to talk

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Speaker 4: about that, but like anxiety about the range of one's

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Speaker 4: money is probably the thing that keeps most people up

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Speaker 4: at night and causes stress in relationships. Right, Infidelity is

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Speaker 4: not the number one cause of the worse in this country.

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Speaker 4: Money is the number one cause of the worse in

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Speaker 4: this country. And people don't have honest conversations about money

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Speaker 4: and the simple the basic unit of financial literacy or

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Speaker 4: platform of financial literacy is the budget. You just said

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Speaker 4: it yourself, Carolin. Knowing that what's going coming in and

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Speaker 4: what's going out, like there's a gap between the two

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Speaker 4: of them, like more's coming in that what's going out.

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Speaker 4: I had a conversation with my almost twenty four year

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Speaker 4: old son who works for a big accounting firm, who

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Speaker 4: majored in accounting and finance, because he said he could

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Speaker 4: afford like something like cable is a cable television is

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Speaker 4: a scam in America, Like that's maybe a whole nother show.

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Speaker 4: But he said I couldn't afford this, like sports package.

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Speaker 4: I'm like, Sam, it's like, I don't know, sixty nine

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Speaker 4: dollars a month you can afford it. I was sitting

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Speaker 4: at a pizzeria in Murray Hill in New York City,

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Speaker 4: and I like, literally, I looked at his checking account online.

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Speaker 4: I looked at the inflows and outflows. I showed him

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Speaker 4: as check and balance. I wrote it out on a napkin, literally,

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Speaker 4: and I said, you can absolutely afford sixty something. And

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Speaker 4: so he has the tools to understand that. He has

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Speaker 4: the tools to do that. But people are so anxious

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Speaker 4: about money that they don't even do the math because

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Speaker 4: they're worried what the outcome is going to be.

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Speaker 2: It's funny because I think it usually works the other

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Speaker 2: way with twenty four year olds, where they're like, I

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Speaker 2: could totally afford this, and they actually.

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Speaker 3: Cannot afford it.

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Speaker 2: I don't know, I don't think it's bad that your

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Speaker 2: son is like, no.

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Speaker 4: No, real, you know, no, No, he's he's good that way.

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Speaker 4: But he's also he said to me once, I don't

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Speaker 4: know some I have a boat and I got a

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Speaker 4: new one, and he goes, Dad, can you afford that?

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Speaker 4: Don't worry about it, Sam, I I can afford the boat.

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Speaker 2: Don't worry cutting into your inheritance, Sam, Exactly. So I

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Speaker 2: mentioned that you're on Fox Business a lot. Do you

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Speaker 2: get recognized?

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Speaker 4: Like? Is it that? That's I'm going to tell you

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Speaker 4: two interesting things. One, first of all, I could walk

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Speaker 4: down I could literally walk down Sixth Avenue in Manhattan,

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Speaker 4: a building that you used to work in, a building

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Speaker 4: that we've both had makeup put on our faces in sure,

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Speaker 4: and I've walked outside of the building and people don't

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Speaker 4: recognize me. I'm literally in New York City, coming out

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Speaker 4: of Fox getting walking into a town car. I can

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Speaker 4: go to a pizzeria in my town in Florida and

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Speaker 4: people will recognize me.

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Speaker 2: So here's my thinking on this, because I have had

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Speaker 2: obviously the same experience. Right, I'm a New York Post

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Speaker 2: columnist like thirteen years now, but I almost never got

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Speaker 2: recognized in New York, like occasionally it would happen, like

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Speaker 2: I remember one time on Facebook Marketplace, I bought some

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Speaker 2: like Thomas the Train for my sons and they were like,

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Speaker 2: oh my god, we're such big fans of yours, so

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Speaker 2: stuff like that. But I would say, what I think

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Speaker 2: is that in New York we are trained not to

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Speaker 2: like react to famous people, not that you know, or

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Speaker 2: not that I'm famous, but yeah.

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Speaker 4: Not to make eye contact with people.

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Speaker 2: And we sat like, I mean, I've a million times

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Speaker 2: next to celebrities. But one time we were at Little Owl,

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Speaker 2: which is this tiny restaurant in the West Village, and

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Speaker 2: we sat like three inches from Will Ferrell and we

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Speaker 2: didn't even like not I mean to say, we did

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Speaker 2: not acknowledge him, like he was just any other. Like

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Speaker 2: if he was having this conversation right now, he'd be

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Speaker 2: like nobody recognized me that night, because we didn't even

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Speaker 2: like look at each other and be like, oh, look

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Speaker 2: it's Will Ferrell. So I think that that's just a

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Speaker 2: New York thing, whereas in Florida, you know, the lady

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Speaker 2: of publics is like I saw you on TV. Like

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Speaker 2: it's a lot more common here to you know, just

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Speaker 2: be like, oh, I know who you are, and that's funny.

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Speaker 4: Where she said, hey, wait, I recognize you. Your Mirando

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Speaker 4: Divine from the your coast.

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Speaker 2: No, but you know what, I do get a lot like, hey,

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Speaker 2: you look really familiar. Did we go to high school together?

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Speaker 2: Like no, I'm like, do you watch Fox? And like, oh, yes, yes, Fox? Right,

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Speaker 2: not high school?

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Speaker 3: But do you like getting recognized? Do you like living

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Speaker 3: a public life?

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Speaker 4: I don't mind it, but you know what, I was

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Speaker 4: in the presence of Roger L's twice in my life. Okay,

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Speaker 4: once was a random elevator ride with mister L's and

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Speaker 4: once was another time when he was holding court and

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Speaker 4: I got kind of pulled into him holding court and

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Speaker 4: he said, not to me, but to this group. Know

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Speaker 4: who's listening, Know who's watching you all the time. I

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Speaker 4: never lose sight of that when you're talking to the

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Speaker 4: camera or green dot right now in my computer, like,

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Speaker 4: know who you're talking to? And that literally sent kind

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Speaker 4: of chills up and down my spine. But like I

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Speaker 4: feel like the people in New York, I'm not talking

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Speaker 4: to them. I'm talking to whatever, thirty eight other states

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Speaker 4: and random people. So when I meet them, long win

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Speaker 4: did answer to your question when I meet them. The

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Speaker 4: guy who was trimming my palm trees for my house

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Speaker 4: who recognized me, But I feel like I already have

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Speaker 4: a relationship with him, right because because he's been watching

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Speaker 4: me and listening to me. And that's why I engage.

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Speaker 4: I watched one of your clips, I think it was

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Speaker 4: with Daniel Ashwell. I like I engage with viewers who

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Speaker 4: or listeners on Twitter because they took the time to

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Speaker 4: listen and comment. If somebody's just throwing shade at me

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Speaker 4: because they're an anti Semite and they don't like what

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Speaker 4: I said, forget it, I block them and I move on. Yeah,

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Speaker 4: but I try to engage with those people because they've

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Speaker 4: taken the time. So quite honestly, I'm flattered. Being on

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Speaker 4: television is a is a honor to me, Like it's

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Speaker 4: not a right, it's a privilege, and I never take

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Speaker 4: it for granted and I never lose sight of it.

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Speaker 4: So I love the people at the pancake place around

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Speaker 4: the corner who stop at my table, like I'll talk

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Speaker 4: to them for twenty minutes because I'm the same. Yeah, yeah,

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Speaker 4: I like the people. I don't want to shift topics,

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Speaker 4: but when I wear my Fox I don't. There's only

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Speaker 4: one hat I wear the gun range, which is my

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Speaker 4: Fox News hat, and I end up getting into long

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Speaker 4: conversations with people there who recognize me.

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Speaker 2: So oh funny, Yeah, I I should wear some paraphernalia

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Speaker 2: at the gun range. The only thing that now at

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Speaker 2: the gun range it's like, you know, I'll wear a

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Speaker 2: Star of David all the time. I always did, but

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Speaker 2: now it's like they're just all over the gun range,

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Speaker 2: and you know, people are with the massive highs and

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Speaker 2: it's nice.

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Speaker 4: I see you. I had to pick up when I

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Speaker 4: got my concealed Carrie permit in Florida. I had to

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Speaker 4: pick up my certificate of completion of the class that

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Speaker 4: you have to take, you know, whatever it is.

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Speaker 3: The NRA used to believe that not anymore.

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Speaker 4: Yeah, you constitutionally you can carry if you don't want

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Speaker 4: to wait the five day waiting period or if you

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Speaker 4: want reciprocity in other states, you need a concealed carry permit.

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Speaker 4: So I had taken the class one on one with

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Speaker 4: an instructor several months ago, and I had my appointment

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Speaker 4: for my permit, so I had to get the certificate

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Speaker 4: from him. So I went to a gun shop where

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Speaker 4: he teaches the class on Sundays because they're clothes, and

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Speaker 4: I happened to be wearing an IDF T shirt a

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Speaker 4: hoodie I don't remember which one, and I was in

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Speaker 4: and out. I just didn't want to interrupt his class.

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Speaker 4: He saw me, he handed me the certificate, and then

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Speaker 4: one of the guys who works in the gun shop

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Speaker 4: who helps him teach the class, says, what's with that shirt?

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Speaker 4: Everybody's wearing it? And I looked at the the people

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Speaker 4: sitting around the table in the class. Three of the

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Speaker 4: people were wearing IBF shirt.

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Speaker 2: So he wasn't being a jerk, because that's what I thought.

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Speaker 2: It curious, like what's going on? What I kind of

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Speaker 2: called this?

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Speaker 4: The guy who owns the gun shop happens to be Jewish.

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Speaker 4: But in any event, it was funny that, like there's

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Speaker 4: this theme. So maybe I'll wear the IDF hoodie next

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Speaker 4: time to the gun rage.

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Speaker 5: Yeah, that's that's good, right, good move. We're going to

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Speaker 5: take a quick break and be right back on the

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Speaker 5: Carol Marcowitch Show.

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Speaker 2: So we talked about what people don't know about, you know,

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Speaker 2: the financial world. What would you say is our larger,

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Speaker 2: largest cultural or societal problem, and do you think it's solvable.

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Speaker 4: Let me go with solvable, and because that's the that's

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Speaker 4: the easier answer, and I don't think it is. It's

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Speaker 4: harder for society solve the problem. I think tribalism is

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Speaker 4: the biggest problem we have as a society. I didn't

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Speaker 4: make up that turn. Probably our mutual friendly Carter, who

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Speaker 4: we've done TV with over the years, Lee actually said

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Speaker 4: it on the air once and I said, wow, that

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Speaker 4: that so perfectly sums up what we are all about.

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Speaker 4: I remember when like George Bush forty three ran for president,

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Speaker 4: and there were there was he was a polarizing figure,

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Speaker 4: you know, amongst certain you know folks, But I don't

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Speaker 4: remember our country being tribal on September twelfth, Okay, our

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Speaker 4: country was like sort of the way Israel is right

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Speaker 4: now when you're attacked, like everybody comes together and they

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Speaker 4: push stupid politics aside. I feel like no event can

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Speaker 4: bring this country together from how tribal it's become. And

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Speaker 4: I know your show's not about politics, but I just

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Speaker 4: feel that, like, how many friends have you and I

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Speaker 4: lost because we feel a certain way about politics and

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Speaker 4: we have friends who can't see past that to continue

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Speaker 4: to be friends with us because we voted for somebody.

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Speaker 4: And I'll give you the worst possible example of this.

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Speaker 4: We my wife and I were at Costco and we

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Speaker 4: bought an American flag because it was cool, and we

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Speaker 4: put it on our house in New York. A neighbor

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Speaker 4: saw it while walking her dog and texted my wife

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Speaker 4: and said, couldn't help, but notice the flag on your house.

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Speaker 4: New look for the neighborhood. What was your inspiration?

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Speaker 5: Wow?

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Speaker 4: Okay, That to me is how tribal we've become. That

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Speaker 4: the existence of an American flag, which you know, anybody

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Speaker 4: who said the Pledge of Allegiance in kindergarten or learned

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Speaker 4: it in kinderwork garden understands the significance, hopefully of what

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Speaker 4: that flag represents. But somehow the American flag has become

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Speaker 4: a I don't know whatever, a symbol of a tribe.

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Speaker 4: It's not the tribe's flag, it's our collective flag. And

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Speaker 4: that's what frightens me. And I don't think it's fair

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Speaker 4: to throw hyperbolic language and at one political figure versus another.

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Speaker 4: I think is the cause Cable television. I don't think so,

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Speaker 4: because in seventeen seventy three. The framers of this country

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Speaker 4: before seventeen seventy six had left right and center and disagreed,

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Speaker 4: and they yelled about it, and they printed about it.

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Speaker 4: The New York Post, your employer, you know, the oldest

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Speaker 4: newspaper in America, has been on the side of, you know,

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Speaker 4: a certain political view for much of its existence. That's

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Speaker 4: not cable Television's fault, right, So, but the dial has

433
00:23:57,520 --> 00:24:01,240
Speaker 4: been turned up to like if one to ten, where

434
00:24:01,280 --> 00:24:04,000
Speaker 4: ten is like you can't touch it. We're like at

435
00:24:04,000 --> 00:24:08,560
Speaker 4: an eight point five in terms of how toxic the

436
00:24:08,640 --> 00:24:12,680
Speaker 4: tribalism is in this country. And I don't know what

437
00:24:12,800 --> 00:24:16,280
Speaker 4: fixes it. But because it's a two part question, just

438
00:24:16,280 --> 00:24:18,320
Speaker 4: like I talked about financial literacy at the top of

439
00:24:18,359 --> 00:24:23,080
Speaker 4: the show, and how we teach financial literacy in you know,

440
00:24:23,119 --> 00:24:25,720
Speaker 4: to kids, and it hopefully makes a difference. I think

441
00:24:25,760 --> 00:24:29,960
Speaker 4: we need to teach tolerance to our children, and not

442
00:24:30,080 --> 00:24:34,439
Speaker 4: just tolerance for this marginalized community, and we have to

443
00:24:34,480 --> 00:24:39,200
Speaker 4: be tolerant of them. Tolerance for all, right, the Constitution,

444
00:24:39,560 --> 00:24:44,240
Speaker 4: freedom of speech, freedom of expression, right, those constitutional rights,

445
00:24:44,840 --> 00:24:48,959
Speaker 4: civil liberties. Freedom that should be taught to kids in school,

446
00:24:49,280 --> 00:24:52,720
Speaker 4: not the ideology you know, if Vecramoswami talks about the

447
00:24:52,760 --> 00:25:00,600
Speaker 4: tyranny of the minority, like not tyrannical ideology, but just tolerance.

448
00:25:01,320 --> 00:25:04,000
Speaker 4: I think we should teach that to our kids and

449
00:25:04,040 --> 00:25:06,560
Speaker 4: what that really means, and then maybe that's the fix,

450
00:25:06,680 --> 00:25:10,920
Speaker 4: because I think older generations they're lost, right.

451
00:25:11,680 --> 00:25:15,119
Speaker 2: That American flag story is really depressing. I think about

452
00:25:15,160 --> 00:25:17,120
Speaker 2: that where. You know, there was a New York Times

453
00:25:17,160 --> 00:25:20,320
Speaker 2: columnist that like the woman who thought that Bloomberg could

454
00:25:20,359 --> 00:25:23,960
Speaker 2: give every voter a million dollars, like, you know, so she's.

455
00:25:24,160 --> 00:25:24,840
Speaker 3: Really up there.

456
00:25:25,640 --> 00:25:29,640
Speaker 2: She said that she went to Margay, actually her name

457
00:25:29,680 --> 00:25:32,480
Speaker 2: is Margay. She went to Long Island and she saw

458
00:25:32,560 --> 00:25:35,680
Speaker 2: these American flags and she felt like threatened by them.

459
00:25:35,880 --> 00:25:39,800
Speaker 2: And I was just thinking, if like my worst enemies

460
00:25:40,040 --> 00:25:42,920
Speaker 2: started flying the American flags, Like if they the people

461
00:25:42,920 --> 00:25:46,000
Speaker 2: who I don't even know, like I just hamas supporters

462
00:25:46,000 --> 00:25:51,240
Speaker 2: in America started rallying with American flags, would I surrender

463
00:25:51,560 --> 00:25:53,840
Speaker 2: that as my own flag, as my own symbol.

464
00:25:54,240 --> 00:25:56,280
Speaker 5: Never, I don't care who else flies it.

465
00:25:56,280 --> 00:25:56,760
Speaker 3: It's mine.

466
00:25:56,800 --> 00:25:59,440
Speaker 5: It belongs to me, it's part of my culture, it's

467
00:25:59,480 --> 00:26:00,159
Speaker 5: my country.

468
00:26:00,240 --> 00:26:03,520
Speaker 2: And the idea that like somebody else flies the flag

469
00:26:03,560 --> 00:26:05,000
Speaker 2: and it means something else.

470
00:26:05,080 --> 00:26:08,080
Speaker 5: That's that's crazy to me. It's just being an immigrant.

471
00:26:08,080 --> 00:26:10,920
Speaker 2: I mean the Pledge of Allegiance is literally the first

472
00:26:10,960 --> 00:26:14,040
Speaker 2: English I ever knew. I am all about the patriotism,

473
00:26:14,119 --> 00:26:17,320
Speaker 2: and I think it's so sad that people just give

474
00:26:17,359 --> 00:26:19,399
Speaker 2: it up because they think, oh, the other side is

475
00:26:19,400 --> 00:26:21,160
Speaker 2: into this and I can't be into it too.

476
00:26:22,440 --> 00:26:24,800
Speaker 4: I'll say two more things about the flag. One is

477
00:26:25,080 --> 00:26:27,400
Speaker 4: my golf bag. I know it sounds like a first

478
00:26:27,400 --> 00:26:30,840
Speaker 4: world problem, in my golf bag is a well, this

479
00:26:30,880 --> 00:26:32,520
Speaker 4: is from New York. It's all red, white and blue.

480
00:26:32,560 --> 00:26:34,320
Speaker 4: There's nothing on my golf bag that is in red,

481
00:26:34,320 --> 00:26:36,560
Speaker 4: white and blue. It has an American flag on the

482
00:26:36,600 --> 00:26:39,200
Speaker 4: side of it. And the woman who runs a pro

483
00:26:39,240 --> 00:26:41,520
Speaker 4: shop at my club. Sorry, that sounds.

484
00:26:43,720 --> 00:26:46,600
Speaker 2: In New York, but this is New York is still

485
00:26:46,640 --> 00:26:47,000
Speaker 2: New York.

486
00:26:47,640 --> 00:26:51,640
Speaker 4: She saw that thing and she says, Mitch, I'm getting

487
00:26:51,640 --> 00:26:53,080
Speaker 4: one of these things for you. It's got your name

488
00:26:53,080 --> 00:26:55,360
Speaker 4: written all over it. So in any event, I had

489
00:26:55,359 --> 00:26:58,760
Speaker 4: my golf bag outside and a guy who is a

490
00:26:58,800 --> 00:27:05,400
Speaker 4: political operative for the left said to me, I love

491
00:27:05,400 --> 00:27:08,840
Speaker 4: your maga golf bag. And I like when I went bananas,

492
00:27:09,119 --> 00:27:11,200
Speaker 4: and I said, I'm not going to use his name,

493
00:27:11,240 --> 00:27:13,280
Speaker 4: but I said, there's nothing on my golf bag that

494
00:27:13,359 --> 00:27:16,399
Speaker 4: says Maga. It's just red, white and blue. And in fact,

495
00:27:16,560 --> 00:27:20,440
Speaker 4: Maga is red and white with no blue, okay, And

496
00:27:20,840 --> 00:27:24,480
Speaker 4: so to him, he's in a tribe. To him, just

497
00:27:24,520 --> 00:27:28,040
Speaker 4: the existence of the red, white and blue in his brain,

498
00:27:28,200 --> 00:27:32,920
Speaker 4: there's like a Sinas gap that jumped to Maga. The

499
00:27:33,000 --> 00:27:36,240
Speaker 4: other thing I'll say in my orange theory that I

500
00:27:36,280 --> 00:27:40,639
Speaker 4: go to somewhat religiously around the corner from me, I

501
00:27:40,680 --> 00:27:42,720
Speaker 4: don't know. I'd gotten this conversation with this woman about

502
00:27:42,760 --> 00:27:45,360
Speaker 4: moving to Florida. She's also a refugee from New York,

503
00:27:45,960 --> 00:27:48,560
Speaker 4: and I said, I moved down here because no one

504
00:27:48,800 --> 00:27:50,919
Speaker 4: is going to say to me anything about having an

505
00:27:50,960 --> 00:27:54,120
Speaker 4: American flag. And she goes, oh, that's not true. She goes,

506
00:27:54,240 --> 00:27:56,960
Speaker 4: in my community, people will say something to you if

507
00:27:56,960 --> 00:27:59,920
Speaker 4: you don't have an American flag, okay, And it's like,

508
00:28:00,720 --> 00:28:02,960
Speaker 4: how have we ever weaponized the American flag.

509
00:28:03,000 --> 00:28:05,080
Speaker 5: I don't think that's true if you don't have an America.

510
00:28:05,119 --> 00:28:07,680
Speaker 2: I mean, like my communities, you know, mix some people

511
00:28:07,760 --> 00:28:08,720
Speaker 2: have it, some people don't.

512
00:28:08,760 --> 00:28:10,520
Speaker 3: It's not like come on, you know.

513
00:28:10,480 --> 00:28:12,800
Speaker 4: But I just I found that comment to be I

514
00:28:12,880 --> 00:28:15,880
Speaker 4: just I literally, I don't do a talk to the hand.

515
00:28:16,320 --> 00:28:18,600
Speaker 4: But I just got up and walked out. And my wife,

516
00:28:18,760 --> 00:28:20,960
Speaker 4: God God bless her, was still talking to the woman

517
00:28:21,119 --> 00:28:24,159
Speaker 4: like playing you know, Jewish geography for ten minutes, and

518
00:28:24,200 --> 00:28:25,760
Speaker 4: she said, why did you walk out? And I say,

519
00:28:25,800 --> 00:28:29,640
Speaker 4: because I don't engage with morons. I just don't. Somebody

520
00:28:29,680 --> 00:28:32,440
Speaker 4: makes a comment that's that vapid. I'm just walking out

521
00:28:32,440 --> 00:28:35,720
Speaker 4: the door. I'm listening to that saying, so.

522
00:28:35,840 --> 00:28:38,040
Speaker 2: You have a red, white and blue golf bag. You

523
00:28:38,360 --> 00:28:41,880
Speaker 2: are on TV a lot, you say really smart things.

524
00:28:42,040 --> 00:28:43,760
Speaker 2: Do you think that you've made it?

525
00:28:45,680 --> 00:28:48,920
Speaker 4: You know that's you were kind enough to send me

526
00:28:49,000 --> 00:28:55,720
Speaker 4: that question in advance. I think that I am on

527
00:28:55,800 --> 00:29:00,920
Speaker 4: my second career. My first career was four decades long.

528
00:29:01,120 --> 00:29:04,360
Speaker 4: I started at graduating from college in nineteen eighty three,

529
00:29:04,440 --> 00:29:07,240
Speaker 4: and I retired from the firm that I started with

530
00:29:07,360 --> 00:29:10,640
Speaker 4: in twenty twenty. So I think there was a lot

531
00:29:10,640 --> 00:29:13,520
Speaker 4: of milestones in my life that would have checked the

532
00:29:13,520 --> 00:29:17,840
Speaker 4: box of having made it. I think the most important

533
00:29:17,840 --> 00:29:22,040
Speaker 4: thing to me retiring and trying to do something else

534
00:29:22,640 --> 00:29:25,960
Speaker 4: was I worked really hard in my career to be

535
00:29:26,240 --> 00:29:30,160
Speaker 4: relevant outside of the world that I was in, so

536
00:29:30,320 --> 00:29:32,120
Speaker 4: I worked at a big accounting firm and I was

537
00:29:32,160 --> 00:29:34,000
Speaker 4: a partner, and I ran businesses there and I did

538
00:29:34,040 --> 00:29:36,080
Speaker 4: a whole bunch of different things. But all the while

539
00:29:36,120 --> 00:29:38,320
Speaker 4: I tried to be relevant in the real world, because

540
00:29:38,360 --> 00:29:41,200
Speaker 4: a lot of people who work for companies become very

541
00:29:41,240 --> 00:29:43,920
Speaker 4: relevant in the company with then when they move on,

542
00:29:44,000 --> 00:29:47,760
Speaker 4: they're irrelevant. Maybe it goes back to being noticed in

543
00:29:47,800 --> 00:29:50,000
Speaker 4: the streets. But I did a lot of public speaking.

544
00:29:50,000 --> 00:29:51,960
Speaker 4: I did a lot of things that just kept me relevant.

545
00:29:52,400 --> 00:29:55,880
Speaker 4: So the answer to your question is yes, I feel

546
00:29:55,880 --> 00:29:59,040
Speaker 4: like I've made it because I accomplished the goal of

547
00:29:59,080 --> 00:30:03,880
Speaker 4: being relevant and having marketable skills outside of what I

548
00:30:03,960 --> 00:30:06,880
Speaker 4: did that that, you know, paid my salary and created

549
00:30:06,880 --> 00:30:09,560
Speaker 4: wealth for me and my family for the four decades

550
00:30:09,600 --> 00:30:11,600
Speaker 4: in which I was there. So I think the answer

551
00:30:11,680 --> 00:30:15,600
Speaker 4: is yes. And it's also I've been able to pursue

552
00:30:15,640 --> 00:30:20,880
Speaker 4: things that I'm passionate about. I once was worried because

553
00:30:20,920 --> 00:30:23,520
Speaker 4: I was doing TV, and this is a phenomenon that

554
00:30:23,640 --> 00:30:27,600
Speaker 4: only people who do TV truly appreciate. You get bumped

555
00:30:27,720 --> 00:30:30,360
Speaker 4: from a show which happened you know, you know when

556
00:30:30,400 --> 00:30:33,760
Speaker 4: you get bumped at three o'clock in the morning, you

557
00:30:33,760 --> 00:30:36,880
Speaker 4: know that's annoying. When you get bumped in the green room,

558
00:30:36,920 --> 00:30:38,280
Speaker 4: it's really really annoying.

559
00:30:38,400 --> 00:30:40,920
Speaker 5: Okay, just means you're already in the studio, you.

560
00:30:40,880 --> 00:30:42,800
Speaker 4: Already and you got makeup on, and they come to

561
00:30:42,840 --> 00:30:46,640
Speaker 4: you and sorry, you know, rand Paul going long, So

562
00:30:46,680 --> 00:30:48,280
Speaker 4: you got to shut up and not come on the air.

563
00:30:49,080 --> 00:30:54,040
Speaker 4: But then you get ghosted by producers because it just happens.

564
00:30:54,080 --> 00:30:57,480
Speaker 4: It just happens, okay, And you can get very self

565
00:30:57,480 --> 00:30:59,920
Speaker 4: conscious when that happens. So I turned to a friend

566
00:31:00,000 --> 00:31:03,680
Speaker 4: I'm on who's a longtime TV person not on Fox,

567
00:31:04,440 --> 00:31:06,440
Speaker 4: and I asked her about it, and I said, I

568
00:31:06,560 --> 00:31:09,400
Speaker 4: really wonder if I'm like a narcissist and like I'm

569
00:31:09,440 --> 00:31:11,880
Speaker 4: addicted to being on television, and now that they're ghosting me,

570
00:31:12,000 --> 00:31:15,720
Speaker 4: like I like, you know, my narcissism becoming more obvious.

571
00:31:16,200 --> 00:31:21,000
Speaker 4: And she said no, she said, it's not narcissism with you.

572
00:31:21,000 --> 00:31:25,640
Speaker 4: You actually have this innate desire to share knowledge with people,

573
00:31:26,240 --> 00:31:28,760
Speaker 4: and when you don't have the ability to share knowledge

574
00:31:28,760 --> 00:31:31,840
Speaker 4: with people, it frustrates you because you have this knowledge

575
00:31:31,840 --> 00:31:34,480
Speaker 4: that you want to share. And my mother was a

576
00:31:34,480 --> 00:31:37,040
Speaker 4: New York City public school teacher, so it's probably genetic,

577
00:31:37,120 --> 00:31:41,320
Speaker 4: like she was a knowledge share But like so that

578
00:31:41,560 --> 00:31:46,200
Speaker 4: to me is the thing that I actually in retirement

579
00:31:46,200 --> 00:31:50,360
Speaker 4: and get to take my accumulated knowledge and share it

580
00:31:50,400 --> 00:31:54,160
Speaker 4: with people. That to me shows not it's not a

581
00:31:54,160 --> 00:31:57,040
Speaker 4: matter of making it. It's not a success check the

582
00:31:57,040 --> 00:32:00,240
Speaker 4: box thing, but it's I'm passionate about it and it

583
00:32:00,280 --> 00:32:02,760
Speaker 4: allows me to do it. So I only get frustrated,

584
00:32:03,240 --> 00:32:05,640
Speaker 4: like when I get bumped, not just I'm not going

585
00:32:05,680 --> 00:32:07,440
Speaker 4: to be on TV. That means I actually don't have

586
00:32:07,480 --> 00:32:10,800
Speaker 4: to shower, which is cool, but it's that I missed

587
00:32:10,800 --> 00:32:12,920
Speaker 4: an opportunity because there was something that I wanted to

588
00:32:12,960 --> 00:32:15,240
Speaker 4: tell people and I don't have the ability to tell me.

589
00:32:15,600 --> 00:32:19,040
Speaker 4: That's why I do podcasts and other stuff, because I

590
00:32:19,200 --> 00:32:22,320
Speaker 4: just have this desire to share things that I've learned

591
00:32:22,320 --> 00:32:25,160
Speaker 4: and perspective with people, hopefully for their benefit.

592
00:32:25,480 --> 00:32:27,160
Speaker 3: Well we're all the better for it.

593
00:32:27,320 --> 00:32:30,840
Speaker 2: So end here with your best tip for my listeners

594
00:32:30,920 --> 00:32:33,000
Speaker 2: on how they can improve their lives.

595
00:32:34,440 --> 00:32:36,880
Speaker 4: I'm going to go to what I just said, which

596
00:32:36,960 --> 00:32:40,720
Speaker 4: is I think the biggest tragedy in people's lives is

597
00:32:41,080 --> 00:32:44,560
Speaker 4: they never pursued things that they were passionate about. And

598
00:32:44,600 --> 00:32:46,400
Speaker 4: there's a variety of reasons why people don't. They don't

599
00:32:46,400 --> 00:32:49,760
Speaker 4: have the resources to do it, they're a spouse, partner, whatever,

600
00:32:50,080 --> 00:32:54,080
Speaker 4: doesn't support it. But if there's something you're truly passionate about,

601
00:32:54,120 --> 00:32:57,360
Speaker 4: whether it's a hobby or a line of work, I'd

602
00:32:57,440 --> 00:33:00,880
Speaker 4: rather see my kids make less money doing something that

603
00:33:00,920 --> 00:33:04,760
Speaker 4: they truly love to do, then make more money being miserable.

604
00:33:05,360 --> 00:33:09,320
Speaker 4: And to me, that's my best advice for people young

605
00:33:09,400 --> 00:33:13,400
Speaker 4: and old. Find things that you're passionate about, and don't

606
00:33:13,440 --> 00:33:19,040
Speaker 4: do things in life purely for obligation. Religion is the

607
00:33:19,080 --> 00:33:22,480
Speaker 4: best example. Like I have a friend who grew up very,

608
00:33:22,560 --> 00:33:28,560
Speaker 4: very religious and now is Jewish Orthodox, not ultra Orthodox,

609
00:33:28,600 --> 00:33:34,800
Speaker 4: but you know, modern observant Orthodox. And he will text

610
00:33:34,880 --> 00:33:38,200
Speaker 4: me on Shabbat and I'm like, dude, it's Shabbat. He

611
00:33:38,240 --> 00:33:44,600
Speaker 4: goes and Israel, but you're in the Five Towns. But

612
00:33:45,200 --> 00:33:48,160
Speaker 4: you know, And we had that conversation, like religion has

613
00:33:48,160 --> 00:33:50,560
Speaker 4: become obligatory to him and it's something that he's not.

614
00:33:50,720 --> 00:33:54,520
Speaker 4: He's passionate about Israel. Okay, he's a Zionist, but religion

615
00:33:54,880 --> 00:33:58,720
Speaker 4: is not as But do things out of passion, don't

616
00:33:58,840 --> 00:33:59,920
Speaker 4: do things out of abel.

617
00:34:01,280 --> 00:34:03,760
Speaker 2: Follow your passion. Thank you so much, Mitch, is really

618
00:34:03,800 --> 00:34:06,960
Speaker 2: great to having you on. Thanks for coming on anytime.

619
00:34:07,520 --> 00:34:08,400
Speaker 4: It was my pleasure.

620
00:34:08,920 --> 00:34:11,520
Speaker 1: Thanks so much for joining us on the Carol Marcowitz Show.

621
00:34:11,680 --> 00:34:13,640
Speaker 1: Subscribe wherever you get your podcast