1 00:00:08,560 --> 00:00:10,600 Speaker 1: Good evening and welcome to Turning Point Tonight. 2 00:00:10,600 --> 00:00:11,080 Speaker 2: We're together. 3 00:00:11,119 --> 00:00:14,600 Speaker 1: We are charting the course of America's cultural comeback, generally 4 00:00:14,640 --> 00:00:19,120 Speaker 1: speaking through the mockery of terrible lib ideas. We appreciate 5 00:00:19,160 --> 00:00:21,680 Speaker 1: you tuning in on this Friday. I hope you had 6 00:00:21,720 --> 00:00:25,160 Speaker 1: a wonderful week and are headed into a fantastic weekend. 7 00:00:25,320 --> 00:00:28,680 Speaker 1: I am actually in Miami. We're recording this in the past, 8 00:00:28,720 --> 00:00:32,120 Speaker 1: which means you're watching this in the future. I don't 9 00:00:32,120 --> 00:00:33,479 Speaker 1: know why I did that. There was no reason for 10 00:00:33,520 --> 00:00:36,360 Speaker 1: me to do that. We've talked specifically on this show 11 00:00:36,400 --> 00:00:39,040 Speaker 1: about an extra segment that we do each and every 12 00:00:39,120 --> 00:00:41,840 Speaker 1: day that is exclusive to our YouTube channel, the Turning 13 00:00:41,840 --> 00:00:44,960 Speaker 1: Point Tonight YouTube channel, also on Facebook, also on Rumble. 14 00:00:45,000 --> 00:00:47,319 Speaker 1: All of the social media platforms that you have, we've 15 00:00:47,320 --> 00:00:50,960 Speaker 1: talked about that frequently, and because we're in Miami this evening, 16 00:00:51,280 --> 00:00:53,000 Speaker 1: I would like to give you a taste of what 17 00:00:53,000 --> 00:00:55,880 Speaker 1: those look like. So this show, among other things that 18 00:00:55,920 --> 00:00:57,680 Speaker 1: will be aired here, there might be a little bit 19 00:00:57,720 --> 00:01:00,360 Speaker 1: of this, a little bit of that, but also some 20 00:01:01,080 --> 00:01:05,399 Speaker 1: segments specifically that are only online before now you haven't 21 00:01:05,400 --> 00:01:07,679 Speaker 1: seen them because like I said, they're on these social 22 00:01:07,760 --> 00:01:11,920 Speaker 1: media platforms. Exclusively where you have to go subscribe to 23 00:01:11,959 --> 00:01:13,960 Speaker 1: the Turning Points on YouTube channel, or the Facebook page 24 00:01:14,040 --> 00:01:16,399 Speaker 1: or the Rumble page, or the x account or the Instagram, 25 00:01:16,480 --> 00:01:18,600 Speaker 1: all of the different places. That's only where this has 26 00:01:18,640 --> 00:01:22,959 Speaker 1: existed until now. So here is a sneak peek at 27 00:01:22,959 --> 00:01:26,840 Speaker 1: what you're missing in case you're not subscribed, which I 28 00:01:26,840 --> 00:01:29,640 Speaker 1: can't imagine why anyone wouldn't be. But in case, on 29 00:01:29,760 --> 00:01:32,080 Speaker 1: the rare chance that you are not, you haven't seen 30 00:01:32,120 --> 00:01:34,800 Speaker 1: this footage yet. Here's what we're talking about when we 31 00:01:34,840 --> 00:01:38,319 Speaker 1: talk about what the one last Point segment is. In 32 00:01:38,360 --> 00:01:40,840 Speaker 1: addition every single day to the show you see here 33 00:01:40,880 --> 00:01:43,440 Speaker 1: on Real America's Voice, watch and enjoy, and we will 34 00:01:43,480 --> 00:01:47,680 Speaker 1: see you Monday. God bless America. We bought a new car, 35 00:01:47,720 --> 00:01:50,800 Speaker 1: and while I'm very excited about the car itself, I 36 00:01:50,920 --> 00:01:57,800 Speaker 1: hated the entire process of it. This is one last point, 37 00:01:59,360 --> 00:02:02,400 Speaker 1: you know, how when you buy a car. First of all, 38 00:02:02,440 --> 00:02:05,680 Speaker 1: I'm assuming that everybody has bought a car at some point. 39 00:02:05,680 --> 00:02:08,520 Speaker 1: If you're watching this, chances are you don't live in 40 00:02:08,560 --> 00:02:12,160 Speaker 1: New York, where, like I am Carlist, I'm entirely green, 41 00:02:12,680 --> 00:02:14,800 Speaker 1: even though the subway that I ride on is probably 42 00:02:14,840 --> 00:02:20,200 Speaker 1: powered by coal whatever those people think. I'm assuming that 43 00:02:20,440 --> 00:02:22,880 Speaker 1: you at home have bought a car. My wife and 44 00:02:22,880 --> 00:02:24,680 Speaker 1: I bought a new car the other day. And when 45 00:02:24,720 --> 00:02:27,240 Speaker 1: I say new car, know that I don't actually mean 46 00:02:27,400 --> 00:02:31,040 Speaker 1: new car. We've never driven new cars. I've never had 47 00:02:31,080 --> 00:02:34,079 Speaker 1: the newest of anything except for the most recent iPhone, 48 00:02:34,360 --> 00:02:37,079 Speaker 1: and there's like work reasons behind that. But I did 49 00:02:37,120 --> 00:02:39,280 Speaker 1: get the newest iPhone. I do have an iPhone pro 50 00:02:39,520 --> 00:02:42,520 Speaker 1: seventeen whatever it's called, but that's the first time we've 51 00:02:42,560 --> 00:02:44,880 Speaker 1: ever gotten anything like brand new, brand news. So when 52 00:02:44,880 --> 00:02:48,040 Speaker 1: I say new car, know that I actually mean used car. 53 00:02:48,880 --> 00:02:52,360 Speaker 1: But the process of buying a car, as many of 54 00:02:52,440 --> 00:02:59,000 Speaker 1: you know, is unbelievably nerve racking, even if you know 55 00:02:59,120 --> 00:03:00,600 Speaker 1: what it is that you want, what it is that 56 00:03:00,639 --> 00:03:03,320 Speaker 1: you're you're looking for, what it is that you want 57 00:03:03,320 --> 00:03:05,480 Speaker 1: to buy the car for. I we've been in the 58 00:03:05,520 --> 00:03:07,560 Speaker 1: market for a new car for a while, not for 59 00:03:07,600 --> 00:03:10,040 Speaker 1: any other reason, because we can't fit the family inside 60 00:03:10,040 --> 00:03:12,680 Speaker 1: of the smaller cars. Uh. My wife had a what 61 00:03:12,760 --> 00:03:16,080 Speaker 1: is it a Hyundai Hyundai Tucson great car. Not saying 62 00:03:16,080 --> 00:03:18,720 Speaker 1: anything bad about that car, but when you have two 63 00:03:18,760 --> 00:03:21,720 Speaker 1: parents and two kids in the backseat, you don't just 64 00:03:21,760 --> 00:03:24,280 Speaker 1: don't fit. There's no third row, there's no We need 65 00:03:24,280 --> 00:03:25,839 Speaker 1: a bigger car to be able to fit the entire 66 00:03:25,880 --> 00:03:28,600 Speaker 1: family places because, uh, if you are a family, you're 67 00:03:28,600 --> 00:03:30,120 Speaker 1: gonna want to go places, and you you know, you 68 00:03:30,120 --> 00:03:32,400 Speaker 1: don't want to leave the infant behind at home because 69 00:03:32,400 --> 00:03:33,960 Speaker 1: you don't have the room in the car. So anyways, 70 00:03:34,040 --> 00:03:37,320 Speaker 1: we need a new car. We've been looking for you know, 71 00:03:37,840 --> 00:03:42,040 Speaker 1: a while, and finally my wife found one and we're like, hey, 72 00:03:42,120 --> 00:03:46,280 Speaker 1: let's this looks like an interesting one, uh several years old. 73 00:03:46,360 --> 00:03:50,360 Speaker 1: We we make the joke of I currently driving a 74 00:03:50,400 --> 00:03:53,680 Speaker 1: ten year old car and we upgraded. We are we 75 00:03:53,760 --> 00:03:57,839 Speaker 1: are in the new uh upgraded class where we've gone 76 00:03:57,840 --> 00:03:59,960 Speaker 1: from driving ten year old cars to driving five year 77 00:04:00,080 --> 00:04:04,720 Speaker 1: old cars. So that's that's what new is in my family. 78 00:04:05,640 --> 00:04:10,680 Speaker 1: But found one, went to a dealership. She decided, hey, 79 00:04:10,800 --> 00:04:13,440 Speaker 1: I like it. It drives great, it is in the 80 00:04:13,480 --> 00:04:15,640 Speaker 1: price range that we want, It has all of the 81 00:04:15,680 --> 00:04:19,279 Speaker 1: things that we need in it, space wise, bigness wise, 82 00:04:19,320 --> 00:04:22,279 Speaker 1: because remember, we want to protect ourselves against all of 83 00:04:22,279 --> 00:04:25,560 Speaker 1: the illegal drivers who are driving trucks in the state 84 00:04:25,560 --> 00:04:27,320 Speaker 1: of California, and one of the ways to do that 85 00:04:27,360 --> 00:04:30,800 Speaker 1: is get a big car. Anyways, checked all the boxes, 86 00:04:30,920 --> 00:04:34,120 Speaker 1: really really liked the car. We go to decide, hey, yeah, 87 00:04:34,120 --> 00:04:36,880 Speaker 1: we want this car. But here's the catch, and here's 88 00:04:36,920 --> 00:04:40,760 Speaker 1: what I know is going to be a contentious moment 89 00:04:40,920 --> 00:04:43,400 Speaker 1: between us and the dealership people, and it's not going 90 00:04:43,480 --> 00:04:45,400 Speaker 1: to be over quickly. It's gonna last a long time. 91 00:04:46,080 --> 00:04:48,680 Speaker 1: So the fact that we want to pay cash and 92 00:04:48,720 --> 00:04:50,680 Speaker 1: that is not at all said to be like a 93 00:04:50,760 --> 00:04:52,599 Speaker 1: flex of any kind. It is to say that my 94 00:04:52,640 --> 00:04:54,960 Speaker 1: wife and I are very very frugal. We save a 95 00:04:55,000 --> 00:04:57,560 Speaker 1: lot of money. And I think when I was in 96 00:04:57,600 --> 00:05:00,160 Speaker 1: like like my later years in college, there's like a 97 00:05:00,240 --> 00:05:03,240 Speaker 1: Dave Ramsey video where he kind of outlined, hey, if 98 00:05:03,279 --> 00:05:06,280 Speaker 1: you save this much money, you can buy a crappy 99 00:05:06,360 --> 00:05:08,120 Speaker 1: junker car that'll get you from A to B, which 100 00:05:08,200 --> 00:05:10,320 Speaker 1: is what I did. And then because you don't have 101 00:05:10,360 --> 00:05:11,960 Speaker 1: a car payment, you can save this amount of money 102 00:05:11,960 --> 00:05:14,360 Speaker 1: and you can buy an even better junkie car and 103 00:05:14,400 --> 00:05:16,479 Speaker 1: then ultimately you build it on top of each other 104 00:05:16,560 --> 00:05:20,479 Speaker 1: and you've saved money rather than paying car payments to 105 00:05:20,560 --> 00:05:22,880 Speaker 1: buy a car. Anyways, So we've saved a lot. We 106 00:05:22,960 --> 00:05:25,600 Speaker 1: were just savers by nature, and I'm thankful for that. 107 00:05:25,680 --> 00:05:28,159 Speaker 1: My wife is not a run the credit card built up. 108 00:05:28,640 --> 00:05:30,679 Speaker 1: But we're paying in cash. And if you know anything 109 00:05:30,680 --> 00:05:34,520 Speaker 1: about dealerships and dealers, they do not like paying in cash. 110 00:05:34,960 --> 00:05:38,160 Speaker 1: They in a lot of ways sell the car almost 111 00:05:38,200 --> 00:05:42,440 Speaker 1: at cost really to them, and they make their money 112 00:05:42,800 --> 00:05:47,960 Speaker 1: by selling you loans, not necessarily high interest loans, even 113 00:05:48,000 --> 00:05:51,040 Speaker 1: though that's what you're gonna get if you're buying a 114 00:05:51,080 --> 00:05:54,760 Speaker 1: car with bad credit or anything like that. But the 115 00:05:54,920 --> 00:05:57,800 Speaker 1: process after you tell them you would like to buy 116 00:05:57,839 --> 00:06:02,040 Speaker 1: it in cash is very difficult because in some states, 117 00:06:02,080 --> 00:06:04,400 Speaker 1: I think in California, you have to sell the car 118 00:06:04,440 --> 00:06:07,560 Speaker 1: at the sticker price regardless of how the person is buying. 119 00:06:07,560 --> 00:06:09,839 Speaker 1: You can't discriminate, say like, I'm not selling you this 120 00:06:09,920 --> 00:06:14,719 Speaker 1: car because you're paying in cash. But then the the 121 00:06:15,120 --> 00:06:18,040 Speaker 1: hoops to jump through started happening. We say, hey, we're 122 00:06:18,080 --> 00:06:21,360 Speaker 1: gonna buy in cash. He guy leaves brings back a 123 00:06:21,400 --> 00:06:24,040 Speaker 1: credit application. He said, what do we need the credit 124 00:06:24,080 --> 00:06:26,320 Speaker 1: application for? So, oh, you know we always have to, 125 00:06:26,360 --> 00:06:30,000 Speaker 1: you know, run these certain types of checks, like no, 126 00:06:30,160 --> 00:06:34,279 Speaker 1: you don't, dude, we've settled on a number. I have 127 00:06:34,360 --> 00:06:36,320 Speaker 1: that number in cash, and I'm gonna give it to 128 00:06:36,320 --> 00:06:39,039 Speaker 1: you for this car. And he says oh, we always 129 00:06:39,080 --> 00:06:41,520 Speaker 1: is something we always do and like, no, no, it's not. 130 00:06:42,640 --> 00:06:45,080 Speaker 1: I know that you're not. I know that you don't 131 00:06:45,160 --> 00:06:47,680 Speaker 1: have to do this. And therefore, because I know that, 132 00:06:47,720 --> 00:06:49,559 Speaker 1: and I know that he knows that, now you're dealing 133 00:06:49,560 --> 00:06:52,760 Speaker 1: with somebody who's willing to lie to you. So there's that. 134 00:06:53,760 --> 00:06:56,000 Speaker 1: Finally he said, okay, fine, we won't do that. Like 135 00:06:56,680 --> 00:07:00,479 Speaker 1: I know, goes back, he says, okay, here, here are 136 00:07:00,520 --> 00:07:02,920 Speaker 1: the things that we've added on. And of course they're 137 00:07:02,920 --> 00:07:04,720 Speaker 1: not happy that they're selling a car in cash. They 138 00:07:04,760 --> 00:07:06,680 Speaker 1: want to put a loan on it so that they 139 00:07:06,720 --> 00:07:09,720 Speaker 1: can make money on that. And so in lieu of that, 140 00:07:09,920 --> 00:07:12,640 Speaker 1: there's a bunch of different things. A line, there's there's 141 00:07:12,680 --> 00:07:14,360 Speaker 1: a fat number at the bottom, and it's say, okay, 142 00:07:14,560 --> 00:07:17,880 Speaker 1: what's included in that. Okay, there's nine hundred dollars for this, 143 00:07:18,000 --> 00:07:20,680 Speaker 1: you know, service fee. There's another thousand dollars for this, 144 00:07:21,240 --> 00:07:24,040 Speaker 1: and go through and I'm not gonna pay these things, 145 00:07:24,840 --> 00:07:27,680 Speaker 1: like I like, I know the gambit, I know the game. 146 00:07:27,920 --> 00:07:30,080 Speaker 1: And if you're at home listening to this and you're like, yeah, 147 00:07:30,080 --> 00:07:32,200 Speaker 1: I've bought a car in cash too, this is exactly 148 00:07:32,280 --> 00:07:36,840 Speaker 1: what happens. And Ultimately, without going through the whole rigamar 149 00:07:36,920 --> 00:07:39,960 Speaker 1: roll of what ended up happening, ultimately we got the 150 00:07:39,960 --> 00:07:43,120 Speaker 1: car at a fair price. I was happy with it. 151 00:07:43,240 --> 00:07:45,080 Speaker 1: They said they were happy with it. I can't imagine 152 00:07:45,080 --> 00:07:47,800 Speaker 1: they were actually happy with it. But at the end 153 00:07:47,800 --> 00:07:50,200 Speaker 1: of the day I started to were talking to my 154 00:07:50,320 --> 00:07:52,160 Speaker 1: wife on the way home just like, you know, what 155 00:07:52,400 --> 00:07:56,040 Speaker 1: is it where there's a culture in a society that 156 00:07:56,400 --> 00:08:04,200 Speaker 1: allows for the amount of salesmanship at best lying at worst, 157 00:08:04,520 --> 00:08:06,600 Speaker 1: that allows that allows for that to happen. That's kind 158 00:08:06,600 --> 00:08:08,280 Speaker 1: of like a normal part of size. Like at the 159 00:08:08,280 --> 00:08:10,280 Speaker 1: beginning of this, if you're listening to this or watching this, 160 00:08:10,840 --> 00:08:15,320 Speaker 1: chances are you have bought a car. And the second 161 00:08:15,480 --> 00:08:17,320 Speaker 1: I said we bought a new car and I hated 162 00:08:17,320 --> 00:08:20,200 Speaker 1: every second of it, you go, oh, I know exactly why. 163 00:08:20,880 --> 00:08:23,640 Speaker 1: And that's and that's for some reason just accepted in 164 00:08:23,840 --> 00:08:26,480 Speaker 1: modern American culture that like, hey, you're gonna go to 165 00:08:26,520 --> 00:08:29,480 Speaker 1: a car salors dealership, You're gonna get a used car, 166 00:08:29,520 --> 00:08:32,440 Speaker 1: whatever it is that you're gonna get, and uh, well, 167 00:08:32,640 --> 00:08:34,360 Speaker 1: here are all the hoops that you're gonna have to 168 00:08:34,440 --> 00:08:37,240 Speaker 1: jump through if you want to get that car. Even 169 00:08:37,280 --> 00:08:39,319 Speaker 1: if you just have a check and cash that you're 170 00:08:39,360 --> 00:08:41,680 Speaker 1: willing to pay for that car. And so that is 171 00:08:41,760 --> 00:08:47,440 Speaker 1: my just broad thoughts of not only purchasing you know what, 172 00:08:47,520 --> 00:08:49,440 Speaker 1: a car is the second biggest purchase you're gonna make 173 00:08:49,480 --> 00:08:52,920 Speaker 1: outside of your house, but the fact that even at 174 00:08:52,920 --> 00:08:55,400 Speaker 1: that level of hey, this is like, this is a 175 00:08:55,440 --> 00:08:59,000 Speaker 1: big purchase, You've got people that are willing to lie 176 00:08:59,040 --> 00:09:01,880 Speaker 1: to you and and do it in a way that, 177 00:09:02,880 --> 00:09:17,480 Speaker 1: for some reason culture just accepts. Glenn has unmuted himself. 178 00:09:17,720 --> 00:09:20,120 Speaker 1: I believe he would like to weigh in here on 179 00:09:20,160 --> 00:09:25,680 Speaker 1: the journey the Adventures of the Taylafe Family purchasing a 180 00:09:25,760 --> 00:09:29,040 Speaker 1: motor vehicle. Your thoughts, Glenn, Joe Bob. 181 00:09:29,120 --> 00:09:32,800 Speaker 3: I remember I did speak with you last night when 182 00:09:32,840 --> 00:09:36,480 Speaker 3: we were talking about yesterday's episode, Yes, and you had 183 00:09:36,520 --> 00:09:39,000 Speaker 3: mentioned you just got back from purchasing a car, and 184 00:09:39,040 --> 00:09:41,800 Speaker 3: I think my first comment to you was, I'm sorry. 185 00:09:42,640 --> 00:09:45,600 Speaker 1: Exactly, no, it really is because I know and I 186 00:09:45,640 --> 00:09:46,120 Speaker 1: didn't know. 187 00:09:46,240 --> 00:09:49,080 Speaker 3: I didn't know this detail of the experience because then 188 00:09:49,080 --> 00:09:50,079 Speaker 3: we got down to business. 189 00:09:50,120 --> 00:09:53,079 Speaker 2: But you know, hearing this, I can relate. I bought 190 00:09:53,440 --> 00:09:53,880 Speaker 2: my car. 191 00:09:53,960 --> 00:09:57,280 Speaker 3: It's currently a two thousand and nine Kia Sportage that 192 00:09:57,320 --> 00:10:00,760 Speaker 3: I bought new back in two thousand and nine, and 193 00:10:01,920 --> 00:10:06,480 Speaker 3: that was my first new car, and I remember having 194 00:10:06,520 --> 00:10:10,360 Speaker 3: the same dilemma because I had a bank loan, meaning 195 00:10:10,400 --> 00:10:12,360 Speaker 3: I did have cash in hand, it wasn't mine. I 196 00:10:12,400 --> 00:10:16,240 Speaker 3: was going to pay back the bank. But the price 197 00:10:16,320 --> 00:10:19,200 Speaker 3: did change. And I'm not sure that law that you 198 00:10:19,360 --> 00:10:22,560 Speaker 3: mentioned wasn't place back then, or if it was, I 199 00:10:22,640 --> 00:10:23,960 Speaker 3: wasn't aware of it and they. 200 00:10:23,880 --> 00:10:26,120 Speaker 2: Weren't going to be offering that information. 201 00:10:26,720 --> 00:10:29,640 Speaker 3: But the price of the car changes based on how 202 00:10:29,640 --> 00:10:32,200 Speaker 3: you pay, or it did back then, which which was 203 00:10:32,320 --> 00:10:35,120 Speaker 3: very frustrating that you couldn't just see the price, pay 204 00:10:35,160 --> 00:10:39,200 Speaker 3: the price and get the thing. But yeah, that's that's 205 00:10:39,320 --> 00:10:41,880 Speaker 3: just the scam of it all. It's it's very I 206 00:10:41,880 --> 00:10:44,880 Speaker 3: mean I say scam. It's not really like an illegal scam, 207 00:10:45,240 --> 00:10:48,880 Speaker 3: although it seems ethically nebulous, but. 208 00:10:48,760 --> 00:10:52,559 Speaker 1: It's but it's able to be perpetrated in a society 209 00:10:52,600 --> 00:10:56,760 Speaker 1: and culture that doesn't value the cost of something and 210 00:10:56,880 --> 00:10:59,440 Speaker 1: only looks at something as payment to payment to payment 211 00:10:59,440 --> 00:11:01,840 Speaker 1: to payment. Because right like when we when we go 212 00:11:01,880 --> 00:11:03,360 Speaker 1: and we're like, hey, we want to buy the car. 213 00:11:03,679 --> 00:11:05,120 Speaker 1: You know, the first thing he says, Okay, so what 214 00:11:05,160 --> 00:11:07,600 Speaker 1: do you want your payment to be? And and you know, 215 00:11:07,679 --> 00:11:10,120 Speaker 1: I'm thinking, like here it comes, here, we go. I'm 216 00:11:10,120 --> 00:11:12,679 Speaker 1: going to have to tell them we're paying cash. And 217 00:11:12,760 --> 00:11:16,240 Speaker 1: because because that's the way that way too big of 218 00:11:16,280 --> 00:11:19,200 Speaker 1: a majority of people pay for cars. Is like, well, 219 00:11:19,200 --> 00:11:20,839 Speaker 1: you want to get the payment. And I'm not saying 220 00:11:20,840 --> 00:11:24,280 Speaker 1: that like that's not necessarily entirely a bad thing. It's 221 00:11:24,480 --> 00:11:27,640 Speaker 1: just the difference between you know, cash and a loan 222 00:11:28,360 --> 00:11:31,800 Speaker 1: is met with you know, all right now I'm mad 223 00:11:31,800 --> 00:11:34,439 Speaker 1: at you for for you know whatever. Well, the reason 224 00:11:34,480 --> 00:11:36,400 Speaker 1: is because they're they're making less money on it. And 225 00:11:36,440 --> 00:11:38,040 Speaker 1: so I don't know, you. 226 00:11:38,679 --> 00:11:39,280 Speaker 2: For a loan. 227 00:11:39,360 --> 00:11:40,920 Speaker 3: You go off, you get a loan, and one of 228 00:11:40,960 --> 00:11:43,560 Speaker 3: the questions you probably should ask when you get a 229 00:11:43,600 --> 00:11:45,760 Speaker 3: loan is to the terms of this loan allow me 230 00:11:45,800 --> 00:11:49,160 Speaker 3: to pay it off early? Yeah, that would be ideal, 231 00:11:49,280 --> 00:11:52,160 Speaker 3: Like is there a penalty, because some people do penalize 232 00:11:52,200 --> 00:11:55,720 Speaker 3: you for paying off early. They are anticipating a certain 233 00:11:55,760 --> 00:11:58,400 Speaker 3: amount of income based on how much interest they charge 234 00:11:58,400 --> 00:12:00,880 Speaker 3: you month to month, year to year, and as that 235 00:12:00,920 --> 00:12:04,000 Speaker 3: goes on, they plan their business around that. So if 236 00:12:04,040 --> 00:12:07,000 Speaker 3: you start paying it off early, yeah, you're paying it back. 237 00:12:07,080 --> 00:12:09,840 Speaker 3: But now their plans get thrown all whack. And if 238 00:12:09,920 --> 00:12:13,480 Speaker 3: enough people do that, they make less money over time. 239 00:12:13,800 --> 00:12:16,120 Speaker 1: Well, of course, And that's the thing is I don't 240 00:12:16,320 --> 00:12:18,720 Speaker 1: and I it sounds like you might even agree with this. 241 00:12:18,800 --> 00:12:22,040 Speaker 1: I don't necessarily think that that's like a bad business practice. 242 00:12:22,120 --> 00:12:25,720 Speaker 1: It's it's really like a cultural thing. Like culturally, we've 243 00:12:25,760 --> 00:12:30,000 Speaker 1: decided that we're just all okay with paying several hundred 244 00:12:30,080 --> 00:12:34,400 Speaker 1: dollars a month or more for a car because we 245 00:12:34,480 --> 00:12:37,600 Speaker 1: don't factor in the true cost of it. I know, 246 00:12:37,920 --> 00:12:42,199 Speaker 1: someone why kid, you not, has somewhere between a twelve 247 00:12:42,200 --> 00:12:46,720 Speaker 1: and fourteen percent APR or interest rate whatever on their car, 248 00:12:47,240 --> 00:12:52,800 Speaker 1: and it's the term on it is like, way they're 249 00:12:52,800 --> 00:12:55,360 Speaker 1: going to be paying that car off at the price 250 00:12:55,400 --> 00:12:59,720 Speaker 1: that they bought it, way after it's worth what they 251 00:12:59,760 --> 00:13:03,640 Speaker 1: pay for it, and like that's rough. Well then, but 252 00:13:03,679 --> 00:13:04,600 Speaker 1: that's like a question. 253 00:13:04,600 --> 00:13:06,480 Speaker 2: Rough, that's a rough percentage. 254 00:13:06,840 --> 00:13:10,920 Speaker 1: It's tough to blame the bank necessarily, because if the 255 00:13:10,960 --> 00:13:14,479 Speaker 1: person is willing to take the loan, like I can, 256 00:13:14,240 --> 00:13:17,720 Speaker 1: I'm much more easily swayed by like college loans, Like okay, 257 00:13:18,280 --> 00:13:21,520 Speaker 1: you're you're telling a seventeen maybe eighteen year old kid, 258 00:13:22,160 --> 00:13:25,360 Speaker 1: you know, here's a loan for one hundred thousand dollars, 259 00:13:25,400 --> 00:13:27,720 Speaker 1: Like you don't have any concept of that. But generally, 260 00:13:27,760 --> 00:13:30,760 Speaker 1: you know, when you're buying cars, especially new ones, you're 261 00:13:30,800 --> 00:13:33,720 Speaker 1: probably twenty five thirty, maybe a little bit older, so 262 00:13:33,760 --> 00:13:36,080 Speaker 1: you know a little bit better than that. So it's 263 00:13:36,120 --> 00:13:38,240 Speaker 1: hard to blame the bank for somebody that somebody should know. 264 00:13:39,080 --> 00:13:41,559 Speaker 1: But also, like, what does that say about the culture 265 00:13:41,559 --> 00:13:45,080 Speaker 1: and the society that only looks at things through month 266 00:13:45,160 --> 00:13:49,720 Speaker 1: to month instant gratification paying off the car, Like, so 267 00:13:49,800 --> 00:13:52,040 Speaker 1: you still drive your car, which is now. 268 00:13:51,920 --> 00:13:55,040 Speaker 2: Why I still drive my car. It's now sixteen years old. 269 00:13:55,080 --> 00:13:59,240 Speaker 3: Say this, it's like sixteen years old, and I sit 270 00:13:59,320 --> 00:14:00,880 Speaker 3: in it and I look at this and it still 271 00:14:00,880 --> 00:14:04,160 Speaker 3: feels like my new car. But you know, I've had 272 00:14:04,200 --> 00:14:06,800 Speaker 3: to replace parts and the air conditioning went out for 273 00:14:06,840 --> 00:14:07,240 Speaker 3: a couple of. 274 00:14:07,280 --> 00:14:08,560 Speaker 2: Years and now it works again. 275 00:14:08,960 --> 00:14:10,880 Speaker 3: But like, you know, through all that, I still I 276 00:14:10,920 --> 00:14:12,640 Speaker 3: sit in it and I still feel like a sense 277 00:14:12,640 --> 00:14:15,400 Speaker 3: of pride that I had it new. At one point, 278 00:14:15,440 --> 00:14:17,640 Speaker 3: I got it with six miles on it, so it 279 00:14:17,760 --> 00:14:21,240 Speaker 3: was my I was the only owner ever. But it's 280 00:14:21,240 --> 00:14:23,240 Speaker 3: also a matter of like, yeah, this thing's not going 281 00:14:23,320 --> 00:14:25,960 Speaker 3: to last forever, but I am a so glad that 282 00:14:26,040 --> 00:14:28,720 Speaker 3: it lasted longer than I was making payments on it. 283 00:14:29,160 --> 00:14:30,960 Speaker 2: Like that is that is victory number one. 284 00:14:31,360 --> 00:14:33,680 Speaker 3: Well, but also victory number two is I'm still driving 285 00:14:33,720 --> 00:14:35,560 Speaker 3: it now like I was gonna say so much later. 286 00:14:35,800 --> 00:14:38,800 Speaker 1: But also your I mean, your personality type is you're 287 00:14:38,840 --> 00:14:40,720 Speaker 1: meticulous about things. And I remember a couple of times 288 00:14:40,720 --> 00:14:42,760 Speaker 1: I think you the first time you came to the studio, 289 00:14:42,840 --> 00:14:45,040 Speaker 1: you were talking about, oh, hey, this had to give replacement. 290 00:14:45,200 --> 00:14:47,600 Speaker 1: So like you, you have the maintenance element, which to 291 00:14:47,800 --> 00:14:52,000 Speaker 1: me conveys somebody who understands the value of the thing 292 00:14:52,040 --> 00:14:54,880 Speaker 1: that they bought, which again is the problem is that 293 00:14:54,920 --> 00:14:58,920 Speaker 1: most people don't understand, Hey, yeah, this thing is worth 294 00:14:58,920 --> 00:15:00,800 Speaker 1: a lot of money. You're going to take out a 295 00:15:00,840 --> 00:15:04,320 Speaker 1: loan against it, and you have to keep paying that 296 00:15:04,360 --> 00:15:08,480 Speaker 1: loan or else they repo your car. And it seems 297 00:15:08,520 --> 00:15:12,600 Speaker 1: more of a societal problem with not necessarily understanding the 298 00:15:12,720 --> 00:15:17,000 Speaker 1: value of this highly valued thing that is in so 299 00:15:17,040 --> 00:15:20,000 Speaker 1: many ways necessary in the culture or in the society 300 00:15:20,040 --> 00:15:21,200 Speaker 1: that we live. And you have to have a car. 301 00:15:21,280 --> 00:15:23,680 Speaker 1: You can't not you know, unless you're a hippie in 302 00:15:23,680 --> 00:15:24,320 Speaker 1: New York City. 303 00:15:24,680 --> 00:15:26,800 Speaker 3: But you know, the more you learn about this, you 304 00:15:26,840 --> 00:15:28,680 Speaker 3: have to decide you're either going to be on one 305 00:15:28,720 --> 00:15:30,920 Speaker 3: side of this or the other. You're going to be 306 00:15:31,040 --> 00:15:35,680 Speaker 3: the person renting, leasing, you know, taking out loans, making 307 00:15:35,720 --> 00:15:40,080 Speaker 3: long term financial obligations that you have to fulfill, you know, periodically, 308 00:15:40,400 --> 00:15:43,040 Speaker 3: or you're going to be the person investing in those 309 00:15:43,200 --> 00:15:46,560 Speaker 3: and providing the money for people who will pay you 310 00:15:46,600 --> 00:15:50,320 Speaker 3: back more than the amount that you loan them. So 311 00:15:50,480 --> 00:15:52,040 Speaker 3: you've got to be on one side of that equation 312 00:15:52,200 --> 00:15:54,360 Speaker 3: or the other. Are you investing or are you kind 313 00:15:54,360 --> 00:15:57,160 Speaker 3: of taking I don't want to say the easy way, 314 00:15:57,200 --> 00:15:59,120 Speaker 3: and it's not to like, you know, dunk on anyone 315 00:15:59,160 --> 00:16:02,080 Speaker 3: who has it's when I have loans, I probably have 316 00:16:02,120 --> 00:16:05,560 Speaker 3: more loans than you do, Joe, Bob. But but you know, 317 00:16:05,600 --> 00:16:07,760 Speaker 3: it's it's it's a matter of you know, if you 318 00:16:07,800 --> 00:16:10,440 Speaker 3: make them understanding the terms, if you agree to them, 319 00:16:11,200 --> 00:16:12,360 Speaker 3: you know that's fine. 320 00:16:12,400 --> 00:16:14,000 Speaker 2: If you go into it with. 321 00:16:14,080 --> 00:16:17,840 Speaker 3: Your eyes open and you understand the obligation, fine, pay 322 00:16:17,840 --> 00:16:20,920 Speaker 3: it off whatever, enjoy it. That's your style, right, Like 323 00:16:20,960 --> 00:16:24,080 Speaker 3: we Okay, here's a good example, and I'm curious to 324 00:16:24,120 --> 00:16:26,600 Speaker 3: know about this. We have pet insurance for our cats 325 00:16:26,840 --> 00:16:29,560 Speaker 3: and we're transitioning off of that to self insurance, so 326 00:16:29,640 --> 00:16:32,880 Speaker 3: to speak. So instead of paying the company that we 327 00:16:32,920 --> 00:16:37,520 Speaker 3: get insurance through, however much a month for each cat, 328 00:16:37,640 --> 00:16:39,200 Speaker 3: we're just going to put that same amount in a 329 00:16:39,200 --> 00:16:43,440 Speaker 3: bank account that's dedicated for their you know, vet bills, 330 00:16:43,480 --> 00:16:46,520 Speaker 3: and should there be some instance where one gets injured 331 00:16:46,800 --> 00:16:50,440 Speaker 3: or needs a surgery, we will draw from that instead 332 00:16:50,440 --> 00:16:53,920 Speaker 3: of going through the pet insurance company. And that's a 333 00:16:53,960 --> 00:16:56,600 Speaker 3: lifestyle thing, like, that's how they pitch it to you, actually, 334 00:16:56,640 --> 00:16:59,800 Speaker 3: and I agree with that because you know, some people 335 00:17:00,000 --> 00:17:02,200 Speaker 3: their lifestyle they would rather pay month to month and 336 00:17:02,240 --> 00:17:04,760 Speaker 3: then when the big bill comes, let someone else take 337 00:17:04,800 --> 00:17:05,240 Speaker 3: care of it. 338 00:17:05,760 --> 00:17:07,520 Speaker 2: Or some people might rather save. 339 00:17:07,400 --> 00:17:10,479 Speaker 3: For it and or an interest while we save and 340 00:17:10,520 --> 00:17:13,000 Speaker 3: then pay it off from our own pockets when that 341 00:17:13,000 --> 00:17:13,800 Speaker 3: payment comes. 342 00:17:14,119 --> 00:17:15,440 Speaker 1: That does just one or the other. 343 00:17:16,440 --> 00:17:18,199 Speaker 2: Now there's wrong, Now there's wrong in my opinion. 344 00:17:18,320 --> 00:17:22,360 Speaker 1: Well, well yeah, but that uniquely applies to insurance, right 345 00:17:22,359 --> 00:17:25,199 Speaker 1: because insurance is for something when the big bill comes, 346 00:17:25,240 --> 00:17:28,520 Speaker 1: they cover it for like a car for example. If 347 00:17:28,600 --> 00:17:30,760 Speaker 1: you know, you don't have the process of saving money 348 00:17:30,800 --> 00:17:32,360 Speaker 1: and all that sort of stuff, you know, you could 349 00:17:32,359 --> 00:17:34,919 Speaker 1: still be making loan payments on that car. Then the 350 00:17:34,960 --> 00:17:37,520 Speaker 1: car could crap out. Now the big payment comes and Okay, 351 00:17:37,560 --> 00:17:40,160 Speaker 1: well what happens, right, you know? I mean I guess 352 00:17:40,200 --> 00:17:40,879 Speaker 1: you could have car. 353 00:17:40,720 --> 00:17:42,160 Speaker 2: Insurance our stuff in that case. 354 00:17:42,320 --> 00:17:45,520 Speaker 1: Yeah yeah, but they're you know, you don't not necessarily 355 00:17:45,920 --> 00:17:48,520 Speaker 1: going to be covered entirely for whatever it is that 356 00:17:48,600 --> 00:17:49,800 Speaker 1: happens to that car. 357 00:17:49,920 --> 00:17:50,080 Speaker 4: Don't. 358 00:17:50,119 --> 00:17:53,919 Speaker 1: It's just an interesting it's it's tough. Well, how do 359 00:17:53,960 --> 00:17:57,440 Speaker 1: I phrase this? It's not tough necessarily, it's it's interesting 360 00:17:57,520 --> 00:18:02,399 Speaker 1: having these conversations amongst two people that save money and 361 00:18:02,640 --> 00:18:06,520 Speaker 1: are not are not just like throwing it everywhere. I, 362 00:18:07,160 --> 00:18:09,640 Speaker 1: honest to God, would love to if you at home 363 00:18:09,720 --> 00:18:13,040 Speaker 1: are watching this on your YouTube channel or rumble or 364 00:18:13,080 --> 00:18:18,399 Speaker 1: whatever and just have a completely different mindset about how 365 00:18:18,440 --> 00:18:20,840 Speaker 1: money works and saving and all that sort of stuff. 366 00:18:20,840 --> 00:18:23,320 Speaker 1: I would love to talk to you. There's there's people that 367 00:18:23,359 --> 00:18:27,520 Speaker 1: build entire careers on talking to people who don't have 368 00:18:27,720 --> 00:18:32,040 Speaker 1: the same and it's fascinating. At Glenn, We're gonna this 369 00:18:32,119 --> 00:18:34,840 Speaker 1: is gonna be way too long. One of these times 370 00:18:34,840 --> 00:18:42,960 Speaker 1: we'll talk about the the mentality behind what causes that, Like, 371 00:18:43,040 --> 00:18:45,240 Speaker 1: is it because my wife and I have never been 372 00:18:45,280 --> 00:18:47,920 Speaker 1: like and we were like we've heard stories from our 373 00:18:47,960 --> 00:18:50,240 Speaker 1: parents of like when we'd get a dollar, like a 374 00:18:50,280 --> 00:18:54,520 Speaker 1: week for allowance or whatever. I still have the first 375 00:18:54,640 --> 00:18:57,320 Speaker 1: dollar that I was ever given. Still, like it's in 376 00:18:57,400 --> 00:18:58,000 Speaker 1: my little life. 377 00:18:58,240 --> 00:19:01,520 Speaker 2: That was so funny to only see you that. 378 00:19:01,640 --> 00:19:03,440 Speaker 1: I do what I do. And so that's the thing is, 379 00:19:03,480 --> 00:19:07,600 Speaker 1: it's it's not something well maybe it was learned, maybe, 380 00:19:07,800 --> 00:19:09,960 Speaker 1: but I think the better argument could be made that, well, 381 00:19:09,960 --> 00:19:11,960 Speaker 1: this is just something I was born with, Like I 382 00:19:12,119 --> 00:19:16,480 Speaker 1: just have the saving and maybe that's good. Maybe that's 383 00:19:16,520 --> 00:19:18,640 Speaker 1: bad in some cases. My wife thinks I'm a pack 384 00:19:18,720 --> 00:19:21,280 Speaker 1: rat and I never get rid of like things that 385 00:19:21,320 --> 00:19:23,359 Speaker 1: I think I might need someday. So there's the you know, 386 00:19:23,400 --> 00:19:26,000 Speaker 1: there's the bad side of that. But it would be 387 00:19:26,160 --> 00:19:28,080 Speaker 1: that's an interesting conversation. We'll have to say that for 388 00:19:28,119 --> 00:19:32,240 Speaker 1: another time of you know, where does that come from? 389 00:19:32,520 --> 00:19:35,560 Speaker 1: Maybe we'll make these like a series of things like 390 00:19:35,640 --> 00:19:38,840 Speaker 1: the next tomorrow, Well maybe not tomorrow, because well maybe 391 00:19:38,880 --> 00:19:40,919 Speaker 1: we should still do a one last point tomorrow even 392 00:19:40,960 --> 00:19:43,320 Speaker 1: though we're not necessarily doing a show. Maybe the one 393 00:19:43,400 --> 00:19:46,000 Speaker 1: last point tomorrow will be the continuation of where does 394 00:19:46,080 --> 00:19:49,600 Speaker 1: the saving gene come from? And then wherever that conversation 395 00:19:49,720 --> 00:19:56,200 Speaker 1: takes us will ensue the following day. Maybe we'll see. 396 00:19:56,520 --> 00:19:59,600 Speaker 1: But thanks folks for tuning in. Producer Glenn, thank you 397 00:19:59,640 --> 00:20:04,040 Speaker 1: for your comments, your concerns, and your criticisms. Appreciate it. 398 00:20:04,080 --> 00:20:06,919 Speaker 1: We will see it tomorrow, same time, same place, wherever 399 00:20:07,040 --> 00:20:19,520 Speaker 1: is that you're watching this. This has been one last point. 400 00:20:20,440 --> 00:20:23,600 Speaker 1: It can be taught, it should be taught, and it 401 00:20:23,680 --> 00:20:31,919 Speaker 1: will be taught. It's one last point. We've been talking 402 00:20:31,960 --> 00:20:37,920 Speaker 1: about whether or not frugality is like learned or it's 403 00:20:38,000 --> 00:20:41,560 Speaker 1: an innate trait, or what it is. And this is 404 00:20:41,600 --> 00:20:46,160 Speaker 1: also on the back of we I like talking about something, 405 00:20:46,200 --> 00:20:48,440 Speaker 1: and I think we've generally not run out of time. 406 00:20:48,480 --> 00:20:50,480 Speaker 1: There's no time living on this, but once it gets 407 00:20:50,520 --> 00:20:53,280 Speaker 1: to fifteen minutes, it's like, we probably should cut this 408 00:20:53,359 --> 00:20:56,080 Speaker 1: off and do something else. But the last time we 409 00:20:56,160 --> 00:20:58,679 Speaker 1: joined you on one last point, I was making the 410 00:20:58,720 --> 00:21:05,959 Speaker 1: point about a very interesting car buying experience, which I 411 00:21:06,000 --> 00:21:11,360 Speaker 1: thought was well, pretty indicative of how many car experiences 412 00:21:11,480 --> 00:21:15,159 Speaker 1: often go unfortunately. And I think part of that was 413 00:21:15,359 --> 00:21:17,760 Speaker 1: then saying, yeah, we bought this car in cash, and 414 00:21:17,760 --> 00:21:19,960 Speaker 1: that's not a flex that's just a kind of an 415 00:21:20,040 --> 00:21:23,600 Speaker 1: insight into how my wife and I live frugally. We've 416 00:21:23,640 --> 00:21:26,760 Speaker 1: got enough cash to buy a car. I've talked about 417 00:21:26,840 --> 00:21:29,280 Speaker 1: like I think I watched a Dave Ramsey video in 418 00:21:29,320 --> 00:21:31,600 Speaker 1: college and he was like, yeah, buy a clunker, then 419 00:21:31,640 --> 00:21:33,840 Speaker 1: you know, next step up buying the next clunker. Then 420 00:21:34,200 --> 00:21:36,280 Speaker 1: just keep buying cars and cash. That's what we've done. 421 00:21:37,000 --> 00:21:39,679 Speaker 1: And it got me thinking, I've always been like that. 422 00:21:39,920 --> 00:21:42,320 Speaker 1: I think I told producer Glenn on the last episode 423 00:21:42,359 --> 00:21:45,320 Speaker 1: of One Last Point that I still have the first 424 00:21:45,560 --> 00:21:48,440 Speaker 1: dollar that I was ever given and it's in this 425 00:21:48,560 --> 00:21:52,439 Speaker 1: blue little zipper type envelope thing, which I also still have, 426 00:21:53,000 --> 00:21:55,440 Speaker 1: and that was in my sock drawer growing up. I 427 00:21:55,920 --> 00:22:01,560 Speaker 1: just every dollar I ever made earned was given what 428 00:22:01,680 --> 00:22:04,199 Speaker 1: went into that? And I just, I don't know. I've 429 00:22:04,200 --> 00:22:06,080 Speaker 1: always been a saver. So I was curious, like, is 430 00:22:06,119 --> 00:22:08,680 Speaker 1: that something that you're just born with? Like how does 431 00:22:08,720 --> 00:22:12,040 Speaker 1: that work? And so I decided to look into it 432 00:22:12,080 --> 00:22:15,200 Speaker 1: a little bit and turns out not really. I don't 433 00:22:15,200 --> 00:22:17,240 Speaker 1: want to bury the lead here. Yeah, it turns out 434 00:22:16,920 --> 00:22:20,960 Speaker 1: not exactly something that you're definitely born with. There were 435 00:22:21,000 --> 00:22:24,720 Speaker 1: two different studies that came up, one from the Journal 436 00:22:24,880 --> 00:22:29,160 Speaker 1: of Consumer Research, which obviously they would want to know 437 00:22:29,560 --> 00:22:32,399 Speaker 1: whether or not frugality is a learned trait or it's 438 00:22:32,440 --> 00:22:36,919 Speaker 1: innate and you're born with. It turns out the hereditability 439 00:22:37,200 --> 00:22:41,000 Speaker 1: heritability maybe that's how you pronounce that, is estimated between 440 00:22:41,040 --> 00:22:44,640 Speaker 1: twenty and thirty percent, with the conclusion being that it's 441 00:22:44,680 --> 00:22:50,560 Speaker 1: actually mostly environmental causes that make somebody either frugal or not. 442 00:22:51,040 --> 00:22:53,919 Speaker 1: There was another study in twenty eleven. That first one 443 00:22:53,960 --> 00:22:56,440 Speaker 1: was in nineteen ninety nine that effectively did the same 444 00:22:56,520 --> 00:22:58,880 Speaker 1: type of thing and found that it's about twenty five 445 00:22:58,960 --> 00:23:04,000 Speaker 1: percent heritability, and then also another thirty to forty percent 446 00:23:04,080 --> 00:23:07,320 Speaker 1: tacked on with upbringing and family environment, and then the 447 00:23:07,359 --> 00:23:11,320 Speaker 1: rest is like unique experience. What builds a frugal person, 448 00:23:11,400 --> 00:23:14,280 Speaker 1: what builds a person that is a savor as opposed 449 00:23:14,320 --> 00:23:18,719 Speaker 1: to somebody that just spends their money willy nilly. Ultimately, 450 00:23:19,600 --> 00:23:22,360 Speaker 1: it is about twenty five percent. About a quarter of 451 00:23:22,400 --> 00:23:26,880 Speaker 1: you is inherited through genes or genetics, whatever you want 452 00:23:26,880 --> 00:23:31,480 Speaker 1: to call it, that impacts your decision making as far 453 00:23:31,520 --> 00:23:35,680 Speaker 1: as at least in this particular case, frugality and financial experiences. 454 00:23:35,880 --> 00:23:39,320 Speaker 1: But I thought that was actually a good thing in 455 00:23:39,400 --> 00:23:43,760 Speaker 1: my opinion, because to me, a quarter of you being 456 00:23:43,960 --> 00:23:47,520 Speaker 1: born frugal, which I think I probably have to have 457 00:23:47,600 --> 00:23:50,560 Speaker 1: had that quarter like that, that's all that space is 458 00:23:50,600 --> 00:23:53,840 Speaker 1: taken up. But that also said to me, okay, well, 459 00:23:53,880 --> 00:23:56,560 Speaker 1: then seventy five percent of it is learned, Like seventy 460 00:23:56,560 --> 00:24:01,840 Speaker 1: five can be taught. People can be taught in this 461 00:24:01,840 --> 00:24:05,040 Speaker 1: particular case, you know, frugality and how to manage money 462 00:24:05,080 --> 00:24:07,960 Speaker 1: and that sort of stuff. But also just like politics. Right, 463 00:24:09,040 --> 00:24:11,720 Speaker 1: if if what you inherit in the way that you 464 00:24:11,800 --> 00:24:16,760 Speaker 1: think about things is biologically only about twenty five percent, 465 00:24:16,760 --> 00:24:18,639 Speaker 1: and that recognizes is kind of like a soft science 466 00:24:18,640 --> 00:24:20,720 Speaker 1: and people are kind of guessing at this. But if 467 00:24:20,720 --> 00:24:22,480 Speaker 1: that's the case and that's what the research has come 468 00:24:22,520 --> 00:24:25,200 Speaker 1: to the conclusion of, then to me, that says, okay, well, 469 00:24:25,240 --> 00:24:28,200 Speaker 1: seventy five percent of the personality then can be taught 470 00:24:28,240 --> 00:24:31,360 Speaker 1: specific things that are good or bad. Right, you can 471 00:24:31,400 --> 00:24:35,920 Speaker 1: go down either path, and ideally, obviously you teach somebody 472 00:24:36,040 --> 00:24:38,000 Speaker 1: how to do the good portion of that, which is 473 00:24:38,800 --> 00:24:42,199 Speaker 1: save financially, which is to be frugal, which is you 474 00:24:42,200 --> 00:24:45,280 Speaker 1: know how to conduct yourself on a financial platform. But 475 00:24:45,560 --> 00:24:48,720 Speaker 1: I guess also then a political and lifestyle platform, that 476 00:24:49,000 --> 00:24:52,320 Speaker 1: to me is good news. I think the more of 477 00:24:52,359 --> 00:24:55,399 Speaker 1: you that is able to be taught and guided in 478 00:24:55,440 --> 00:25:00,600 Speaker 1: the proper direction. Now, obviously, assuming that proper direction guidance exists, 479 00:25:01,160 --> 00:25:03,960 Speaker 1: the better because I don't know, if you were to 480 00:25:03,960 --> 00:25:07,399 Speaker 1: tell me like ninety percent of the human personalities already 481 00:25:07,440 --> 00:25:11,720 Speaker 1: like set in stone at birth, that's kind of concerning, honestly, 482 00:25:11,760 --> 00:25:13,480 Speaker 1: And there's really nothing you can do to move the needle. 483 00:25:13,520 --> 00:25:17,840 Speaker 1: But the fact that there's this much leeway space again 484 00:25:17,880 --> 00:25:20,920 Speaker 1: allegedly seventy five percent of the person in this particular 485 00:25:21,320 --> 00:25:25,800 Speaker 1: example is you know, learned and taught and molded by 486 00:25:25,840 --> 00:25:28,679 Speaker 1: experiences and family environment and all that sort of stuff 487 00:25:29,359 --> 00:25:31,679 Speaker 1: that to me says there's a lot of ability to 488 00:25:31,960 --> 00:25:35,240 Speaker 1: move the needle one way or the other. And to 489 00:25:35,280 --> 00:25:38,399 Speaker 1: me that that's that's good news. Producer Glenn, I'm curious, 490 00:25:38,600 --> 00:25:42,439 Speaker 1: do you think I honestly got think that? Well, if 491 00:25:42,480 --> 00:25:45,439 Speaker 1: I look back at my family, my grandparents were super frugal. 492 00:25:45,480 --> 00:25:48,280 Speaker 1: I had, I had two sets of grandparents like everyone does. 493 00:25:48,880 --> 00:25:54,320 Speaker 1: I've got the immigrant grandparents who immigrant grandparents are as 494 00:25:54,400 --> 00:25:58,720 Speaker 1: frugal as frugality gets right, Like there are no find 495 00:25:58,800 --> 00:26:01,400 Speaker 1: an immigrant grandparent doesn't from where, like if they're from 496 00:26:01,640 --> 00:26:05,320 Speaker 1: the Samoa like my grandparents, or like Eastern Europe or Africa, 497 00:26:05,920 --> 00:26:09,480 Speaker 1: anywhere that you come from. If you come into this country. 498 00:26:09,760 --> 00:26:12,639 Speaker 1: You are the penny pinchiest person in the history of 499 00:26:12,680 --> 00:26:18,080 Speaker 1: the world. I remember my grandma Glenn. I don't this this? Uh, Well, 500 00:26:19,359 --> 00:26:22,400 Speaker 1: in some cultures, in Polynesian culture, you do a money dance, right, 501 00:26:22,520 --> 00:26:24,879 Speaker 1: you do a siva at a wedding, you know, you 502 00:26:25,000 --> 00:26:27,679 Speaker 1: dance and people throw money at you. I remember my 503 00:26:27,800 --> 00:26:31,480 Speaker 1: grandma at one of my cousin's birthday parties, was on 504 00:26:31,560 --> 00:26:34,399 Speaker 1: the floor picking up dollar bills that weren't hers. But 505 00:26:34,520 --> 00:26:37,160 Speaker 1: she was like, well, there's money on the ground. Anyways. 506 00:26:37,200 --> 00:26:39,320 Speaker 1: All that's me said, is I two sets of grandparents. 507 00:26:39,400 --> 00:26:42,080 Speaker 1: My my mom's parents too, were also very very very 508 00:26:42,240 --> 00:26:44,679 Speaker 1: very frugal and spent their money in things that like 509 00:26:44,960 --> 00:26:49,000 Speaker 1: made sense to purchase, not necessarily were uh they were 510 00:26:49,000 --> 00:26:53,400 Speaker 1: there were necessities, not necessarily you know, frivolous purchases. Anyways, producer, 511 00:26:53,720 --> 00:26:56,040 Speaker 1: long winded way of asking, where do you fall on 512 00:26:56,160 --> 00:27:01,359 Speaker 1: that spectrum of uh, saving money and having a financial plan, 513 00:27:01,560 --> 00:27:03,760 Speaker 1: Like where do you feel like, oh, I was born 514 00:27:03,800 --> 00:27:05,880 Speaker 1: with this, or I have a brother or sister who 515 00:27:05,960 --> 00:27:08,879 Speaker 1: was not born with this, and it shows where where's 516 00:27:08,920 --> 00:27:09,400 Speaker 1: that for you? 517 00:27:10,400 --> 00:27:12,560 Speaker 3: Let me just take this opportunity to ask for an 518 00:27:12,600 --> 00:27:13,919 Speaker 3: advance on my paycheck. 519 00:27:16,200 --> 00:27:18,760 Speaker 2: No, I'm totally kidding. I'm totally kidding. 520 00:27:18,800 --> 00:27:22,880 Speaker 3: Actually, I think, uh, I mean, I'm one of three brothers, 521 00:27:22,920 --> 00:27:26,320 Speaker 3: no sisters, and I'm the oldest of the three, so 522 00:27:27,200 --> 00:27:30,359 Speaker 3: I'm thinking in terms of my family growing up, and 523 00:27:30,560 --> 00:27:35,159 Speaker 3: the youngest of the three was easily the most frugal, 524 00:27:35,960 --> 00:27:39,320 Speaker 3: much like much like our father who was is or 525 00:27:39,359 --> 00:27:42,280 Speaker 3: he's retired now, he's still alive, but he's he may 526 00:27:42,320 --> 00:27:44,199 Speaker 3: be watching this on YouTube at some point in the 527 00:27:44,200 --> 00:27:45,400 Speaker 3: near futures. 528 00:27:44,960 --> 00:27:45,960 Speaker 2: So he'll let me know. 529 00:27:46,400 --> 00:27:50,080 Speaker 3: But he was pretty frugild as an accountant and just 530 00:27:50,320 --> 00:27:51,640 Speaker 3: generally his personality. 531 00:27:51,680 --> 00:27:52,360 Speaker 2: It was frugal. 532 00:27:52,640 --> 00:27:57,160 Speaker 3: The youngest brother learned that. The middle and me, the oldest, 533 00:27:58,080 --> 00:28:01,879 Speaker 3: we learned it later. I didn't start off super frugal. 534 00:28:01,880 --> 00:28:04,160 Speaker 3: As soon as I got a job, I had spending money. 535 00:28:04,160 --> 00:28:07,680 Speaker 3: I didn't have saving money, and I think, I. 536 00:28:07,640 --> 00:28:09,480 Speaker 2: Want to say, around my mid twenties. 537 00:28:09,520 --> 00:28:12,919 Speaker 3: I think I was twenty six or so when I 538 00:28:13,000 --> 00:28:17,359 Speaker 3: first started like saving for retirement, and immediately like it 539 00:28:17,400 --> 00:28:20,040 Speaker 3: was it was the moment when you realize, oh shoot, 540 00:28:21,080 --> 00:28:25,280 Speaker 3: so that that gets invested and grows. 541 00:28:24,920 --> 00:28:29,000 Speaker 2: Like all these years, I better start now, Oh shoot. 542 00:28:29,200 --> 00:28:30,880 Speaker 3: Then you realize should have started like you know, when 543 00:28:30,880 --> 00:28:34,120 Speaker 3: I started working, but you know, say le'll be it's 544 00:28:34,119 --> 00:28:36,520 Speaker 3: gone right. You can only do with what you've got now, 545 00:28:36,640 --> 00:28:39,360 Speaker 3: So I figured out, and I transition for more of 546 00:28:39,400 --> 00:28:41,520 Speaker 3: a guy who liked to spend all his money on 547 00:28:41,600 --> 00:28:44,040 Speaker 3: things that he wanted in the moment to someone who. 548 00:28:44,040 --> 00:28:46,200 Speaker 2: Clearly still buys plenty of books. 549 00:28:45,880 --> 00:28:50,480 Speaker 3: Which I love, but I also do make a priority 550 00:28:50,480 --> 00:28:53,600 Speaker 3: of saving and hopefully for the right things. And now 551 00:28:53,600 --> 00:28:56,320 Speaker 3: that I'm also married, that helps too, because it's not 552 00:28:56,440 --> 00:29:00,000 Speaker 3: just me affected by my good or bad decisions. 553 00:29:00,040 --> 00:29:04,560 Speaker 1: Sounds like circumstance, though, like circumstance will push people into frugality. 554 00:29:04,760 --> 00:29:07,280 Speaker 1: And again this is a this is a subset of 555 00:29:07,320 --> 00:29:11,360 Speaker 1: a broader understanding of like how human personalities and characteristics 556 00:29:11,400 --> 00:29:14,360 Speaker 1: are developed. I guess, but I don't know. I was 557 00:29:14,480 --> 00:29:17,840 Speaker 1: surprised it seems like this slow of a number, which 558 00:29:18,360 --> 00:29:22,240 Speaker 1: because at a certain point, right if if so much 559 00:29:22,320 --> 00:29:26,960 Speaker 1: of the way that you make decisions is hereditary driven, 560 00:29:27,480 --> 00:29:31,600 Speaker 1: then there's a certain point where it becomes difficult to 561 00:29:31,640 --> 00:29:34,960 Speaker 1: blame somebody for bad decisions, right, Like it becomes difficult 562 00:29:34,960 --> 00:29:38,120 Speaker 1: to you know, again, if ninety percent of you and 563 00:29:38,160 --> 00:29:40,880 Speaker 1: the ninety percent of people were like well, this is 564 00:29:41,000 --> 00:29:43,200 Speaker 1: just this is just they're born with this and they 565 00:29:43,200 --> 00:29:45,720 Speaker 1: have massive amounts of credit card debt. Like at a certain 566 00:29:45,720 --> 00:29:49,200 Speaker 1: point you got to go ah, like shucks, like they 567 00:29:49,280 --> 00:29:52,840 Speaker 1: didn't have any choice. But considering the fact that, you know, 568 00:29:52,880 --> 00:29:54,840 Speaker 1: it seems like such a small number or something that 569 00:29:54,840 --> 00:29:57,960 Speaker 1: you're born with. And yeah, environmental factors factor in. 570 00:29:58,720 --> 00:30:01,280 Speaker 3: This is this cultural I think we talked about this 571 00:30:01,320 --> 00:30:05,520 Speaker 3: last time. There's cultural yeah factors as well. So like 572 00:30:05,560 --> 00:30:07,760 Speaker 3: if you grew up around people who just took out debt, 573 00:30:08,240 --> 00:30:10,960 Speaker 3: chances are you're likely to do what you've seen other 574 00:30:11,000 --> 00:30:17,600 Speaker 3: people do. Around people that invested their savings, like you know, religiously, 575 00:30:18,120 --> 00:30:21,280 Speaker 3: chances are you'll probably be more apt to invest what 576 00:30:21,360 --> 00:30:24,960 Speaker 3: you earn and instead of spending it or just true but. 577 00:30:25,120 --> 00:30:27,480 Speaker 1: But but also too like culture is a choice, right, 578 00:30:27,560 --> 00:30:31,240 Speaker 1: like you can you you and we, fortunately enough have 579 00:30:31,320 --> 00:30:33,480 Speaker 1: inherited the culture of the West. But at the same 580 00:30:33,480 --> 00:30:36,320 Speaker 1: time it is our choice to participate in that culture. 581 00:30:36,440 --> 00:30:41,000 Speaker 1: I am much more likely to have sympathy for and 582 00:30:41,160 --> 00:30:45,960 Speaker 1: help somebody who is you know, born to an entirely 583 00:30:46,360 --> 00:30:48,720 Speaker 1: you know, a big disadvantage, right, Like if there's some 584 00:30:48,760 --> 00:30:52,239 Speaker 1: physical limitters, uh, some mental limitters one hundred percent am 585 00:30:52,240 --> 00:30:55,640 Speaker 1: willing to help people out on that. I'm not easily 586 00:30:55,680 --> 00:30:58,160 Speaker 1: willing to help somebody out who made a choice that 587 00:30:58,240 --> 00:31:00,720 Speaker 1: makes it more difficult for them to help themselves. In 588 00:31:00,720 --> 00:31:03,360 Speaker 1: other words, like if you've got a big face tattoo 589 00:31:03,640 --> 00:31:05,800 Speaker 1: and you're like, oh, shoot, I can't find a job, like, 590 00:31:05,960 --> 00:31:08,479 Speaker 1: I don't know how much sympathy I have for you 591 00:31:08,600 --> 00:31:11,960 Speaker 1: because of that choice. But again, if you know you're 592 00:31:12,160 --> 00:31:14,880 Speaker 1: you know, physically deformed in some way, shape or form 593 00:31:14,920 --> 00:31:19,080 Speaker 1: that doesn't allow you to participate in the workforce, I 594 00:31:19,160 --> 00:31:21,560 Speaker 1: much would rather help those people through our church community 595 00:31:21,560 --> 00:31:23,800 Speaker 1: as opposed to the government. But I'm willing to help you, 596 00:31:23,920 --> 00:31:27,040 Speaker 1: right And so like, to me, this says, hey, there's 597 00:31:27,120 --> 00:31:30,560 Speaker 1: a lot of room for personal choices and personal growth, 598 00:31:31,040 --> 00:31:35,080 Speaker 1: not coming from a hereditary element, but coming from you know, 599 00:31:35,400 --> 00:31:38,000 Speaker 1: the culture that you exist in, unique experiences that happen 600 00:31:38,040 --> 00:31:40,760 Speaker 1: to you. But those things definitely shape you, which says 601 00:31:40,760 --> 00:31:43,800 Speaker 1: to me, Okay, in a lot of ways, there are 602 00:31:43,880 --> 00:31:46,360 Speaker 1: decisions that people make that either put them on a 603 00:31:46,360 --> 00:31:50,560 Speaker 1: good or bad trajectory. Yeah, and honestly it's really none 604 00:31:50,600 --> 00:31:55,120 Speaker 1: of my business, but I don't I don't particularly have 605 00:31:55,240 --> 00:31:57,640 Speaker 1: a ton of sympathy for people who make decisions now 606 00:31:57,680 --> 00:32:00,640 Speaker 1: again that there's obviously a much bigger conversation of redemp there. Like, 607 00:32:00,640 --> 00:32:03,400 Speaker 1: I'm totally a fan of that, and I think, you know, 608 00:32:03,480 --> 00:32:05,920 Speaker 1: if you can acknowledge that you've made some poor decisions 609 00:32:06,560 --> 00:32:09,440 Speaker 1: in this case financially, but you know, other life decisions, 610 00:32:09,960 --> 00:32:13,560 Speaker 1: I am one hundred percent willing to help people who 611 00:32:13,920 --> 00:32:18,560 Speaker 1: are on the pathway to redemption. But for people, you know, 612 00:32:18,720 --> 00:32:21,000 Speaker 1: especially in our political system, they're like, well, you know, 613 00:32:21,880 --> 00:32:25,040 Speaker 1: this debt just happened to them because of the way 614 00:32:25,080 --> 00:32:29,240 Speaker 1: that they are like not not really buying that argument really. 615 00:32:29,520 --> 00:32:32,120 Speaker 3: Now, I like the data that you provided, I mean 616 00:32:32,240 --> 00:32:35,720 Speaker 3: kind of it's it's it's from a soft science, so it's. 617 00:32:35,680 --> 00:32:36,200 Speaker 2: Hard to say. 618 00:32:36,240 --> 00:32:39,720 Speaker 3: It's hard to tell specifically, but I mean broad strokes, 619 00:32:40,680 --> 00:32:43,960 Speaker 3: these are all learnable things. It's not something that you are, 620 00:32:45,800 --> 00:32:49,000 Speaker 3: you know, faded to experience throughout your life. If you 621 00:32:49,040 --> 00:32:51,680 Speaker 3: look and you say, wow, I'm I'm making poor financial 622 00:32:51,720 --> 00:32:55,840 Speaker 3: decisions and you see someone who shows you a better 623 00:32:55,880 --> 00:32:59,360 Speaker 3: way you can learn the better way, you can change 624 00:32:59,360 --> 00:33:03,760 Speaker 3: your trajectory. You can do the hy REFI and get 625 00:33:03,800 --> 00:33:07,920 Speaker 3: yourself fixed up right, Yeah, and you're off to the races. 626 00:33:08,000 --> 00:33:10,160 Speaker 2: You know, plenty of people go from. 627 00:33:10,160 --> 00:33:14,920 Speaker 3: Rags to riches and vice versa because they started off 628 00:33:14,920 --> 00:33:17,520 Speaker 3: one way and at some point change. 629 00:33:17,240 --> 00:33:19,280 Speaker 2: Their trajectory rather for better or worse. 630 00:33:19,320 --> 00:33:22,200 Speaker 3: So I mean, I like that that's the case, because 631 00:33:22,240 --> 00:33:25,440 Speaker 3: I mean, if I was bound to spend money the 632 00:33:25,440 --> 00:33:28,840 Speaker 3: way I did when I got my first job at eighteen, like, 633 00:33:30,120 --> 00:33:32,000 Speaker 3: I don't think we'd have ever met, because I wouldn't 634 00:33:32,040 --> 00:33:35,120 Speaker 3: have been shooting super high to do anything. 635 00:33:38,600 --> 00:33:41,000 Speaker 1: You know. Well, the one I guess the thing that 636 00:33:41,040 --> 00:33:43,440 Speaker 1: I often forget Glenn, and I think will just end 637 00:33:43,480 --> 00:33:46,280 Speaker 1: on this, but I had forgotten about white privilege. That's 638 00:33:46,280 --> 00:33:49,520 Speaker 1: actually the only way that you can gain any sort 639 00:33:49,560 --> 00:33:54,280 Speaker 1: of momentum in life. It's by for some reason people 640 00:33:54,280 --> 00:33:57,959 Speaker 1: believe your skin color. So there's that. Maybe maybe that 641 00:33:58,000 --> 00:34:00,160 Speaker 1: will be the next die tribe that leads in to 642 00:34:00,400 --> 00:34:03,080 Speaker 1: the following One last point that you will see on Monday. 643 00:34:03,080 --> 00:34:05,600 Speaker 1: I remember, we only do these Monday through Thursday. One 644 00:34:05,720 --> 00:34:08,120 Speaker 1: last point, but you watch the Real Show on Real 645 00:34:08,160 --> 00:34:11,719 Speaker 1: America's Voice Monday through Friday. Get a whole extra day there. 646 00:34:12,400 --> 00:34:14,399 Speaker 1: But producer, Glenn, thank you so much. 647 00:34:14,440 --> 00:34:14,719 Speaker 4: We will. 648 00:34:15,080 --> 00:34:32,319 Speaker 1: This has been one last point. So much grace has 649 00:34:32,360 --> 00:34:36,520 Speaker 1: been given to the Trump administration, says absolutely no one. 650 00:34:36,600 --> 00:34:45,480 Speaker 1: This is one last point. It's really interesting the perspectives 651 00:34:45,520 --> 00:34:49,640 Speaker 1: people have in the differences of how it is that 652 00:34:49,680 --> 00:34:52,719 Speaker 1: they are treated. There's a video we're gonna play here 653 00:34:52,800 --> 00:34:56,560 Speaker 1: of Michelle Obama talking to I think it's Good Morning America, 654 00:34:56,560 --> 00:34:59,600 Speaker 1: which she's talking about, you know, the struggles that she 655 00:34:59,719 --> 00:35:02,440 Speaker 1: and or husband had to endure in the White House 656 00:35:03,440 --> 00:35:07,080 Speaker 1: as opposed to to what is this different for you guys, 657 00:35:07,120 --> 00:35:09,920 Speaker 1: And it's not for everybody else. Everybody else had this, 658 00:35:10,040 --> 00:35:13,520 Speaker 1: you know, this fantastic grace period from the media, you know, 659 00:35:14,280 --> 00:35:17,240 Speaker 1: except for you know, conservatives, or except for you know, Trump, 660 00:35:17,320 --> 00:35:20,520 Speaker 1: or except for you know, anybody else. Bottom line is, 661 00:35:20,800 --> 00:35:26,600 Speaker 1: she says something that is so ubiquitously untrue that it 662 00:35:26,680 --> 00:35:29,480 Speaker 1: kind of makes you think, oh my gosh. Yeah, if 663 00:35:29,480 --> 00:35:33,759 Speaker 1: you actually believe this, Michelle, I could see why you 664 00:35:33,880 --> 00:35:35,840 Speaker 1: think the country is the way that it is not. 665 00:35:36,200 --> 00:35:39,080 Speaker 1: There's a there's a there's a certain element of you're 666 00:35:39,160 --> 00:35:45,680 Speaker 1: only able to dream up fascinations or or inconsistencies with 667 00:35:45,800 --> 00:35:50,560 Speaker 1: reality if you believe something like this. I'll stop talking 668 00:35:50,560 --> 00:35:52,800 Speaker 1: about and just play it really quick. This is Michelle 669 00:35:52,800 --> 00:35:54,400 Speaker 1: Obama on Good Morning America. Watch this. 670 00:35:54,800 --> 00:35:57,160 Speaker 5: You said, we were all too aware that as a 671 00:35:57,200 --> 00:36:03,160 Speaker 5: first black couple, we couldn't afford any misstep. Foreman, I 672 00:36:03,280 --> 00:36:06,400 Speaker 5: was under a particularly when it hot. 673 00:36:07,840 --> 00:36:12,799 Speaker 1: Sorry I muted the wrong one to cough. Okay, I'm 674 00:36:12,800 --> 00:36:14,600 Speaker 1: just gonna play it from this part again. 675 00:36:15,480 --> 00:36:18,800 Speaker 5: We were all too aware that as a first black couple, 676 00:36:19,560 --> 00:36:22,480 Speaker 5: we couldn't afford any missteps. Yeah, and you also say, 677 00:36:22,480 --> 00:36:25,880 Speaker 5: as a black woman, I was under a particularly white 678 00:36:26,360 --> 00:36:28,680 Speaker 5: hot Glaire, did you feel. 679 00:36:28,400 --> 00:36:31,960 Speaker 4: That for sure you can't afford to get anything wrong 680 00:36:32,120 --> 00:36:34,960 Speaker 4: because you didn't get the at least until the country 681 00:36:35,360 --> 00:36:38,759 Speaker 4: came to know us. We didn't get the grace that 682 00:36:38,840 --> 00:36:41,040 Speaker 4: I think some other families have gotten. 683 00:36:42,880 --> 00:36:46,440 Speaker 1: What in the hell is she talking about? Like, honest 684 00:36:46,440 --> 00:36:50,600 Speaker 1: to god? So okay, uh, yes, the the Trump administration 685 00:36:50,719 --> 00:36:54,920 Speaker 1: has received tons of grace from the DC establishments, the 686 00:36:55,000 --> 00:36:58,720 Speaker 1: political elites, the media, the mainstream media. They they've received 687 00:36:58,760 --> 00:37:02,799 Speaker 1: so much greats that the Amas did not get because 688 00:37:02,840 --> 00:37:06,319 Speaker 1: they're black, which by the way, is totally untrue. Right, 689 00:37:06,400 --> 00:37:09,480 Speaker 1: Like we're being sarcastic and sydirical. Would we say that 690 00:37:09,520 --> 00:37:13,680 Speaker 1: the Trump administration has gotten any grace or any leeway 691 00:37:13,760 --> 00:37:16,920 Speaker 1: from all of the power players in Washington, d C. 692 00:37:17,160 --> 00:37:20,680 Speaker 1: To assume that would make you crazy, and then on 693 00:37:20,760 --> 00:37:24,080 Speaker 1: top of that, to inaccurately diagnose what's happening, but then 694 00:37:24,120 --> 00:37:28,600 Speaker 1: to say because it's because we're black, blows my mind. 695 00:37:28,640 --> 00:37:32,040 Speaker 1: I honest, God, don't know where to go with this, 696 00:37:32,520 --> 00:37:36,920 Speaker 1: because it's so outside of the realm of reality that 697 00:37:36,960 --> 00:37:40,200 Speaker 1: it's kind of difficult to even you know, make any 698 00:37:40,320 --> 00:37:44,879 Speaker 1: arguments against it, right, Like, the basis of it is untrue, 699 00:37:45,040 --> 00:37:49,680 Speaker 1: and then the diagnosis of the untrue thing is also ridiculous, 700 00:37:49,840 --> 00:37:52,520 Speaker 1: which leaves you in a spot of going like do 701 00:37:52,560 --> 00:37:54,719 Speaker 1: we even take this seriously? Like is this even a 702 00:37:54,760 --> 00:37:58,120 Speaker 1: thing that we like pretend like, oh yeah, well, let's 703 00:37:58,160 --> 00:38:01,520 Speaker 1: look at this from a serious and you know, political 704 00:38:01,560 --> 00:38:05,680 Speaker 1: and media scope. Let's look at this as a real 705 00:38:05,760 --> 00:38:09,879 Speaker 1: complaint and a real concern. I don't know that there 706 00:38:09,920 --> 00:38:13,040 Speaker 1: has been a president in the history of this country 707 00:38:13,440 --> 00:38:18,560 Speaker 1: that has gotten more leniency, more grace, especially early on, 708 00:38:19,280 --> 00:38:22,359 Speaker 1: than Barack Obama. I don't know that there has been 709 00:38:22,400 --> 00:38:26,200 Speaker 1: a president that has been able to skate by and 710 00:38:26,600 --> 00:38:31,360 Speaker 1: avoid the criticisms of the mainstream media like Barack Obama 711 00:38:31,800 --> 00:38:35,960 Speaker 1: had and continues to have. Remember, Barack Obama win campaigning 712 00:38:35,960 --> 00:38:40,759 Speaker 1: for Kamala Harris. This last cycle reiterated many of the 713 00:38:40,840 --> 00:38:45,080 Speaker 1: lies that have been debunked thoroughly over the last ten years, 714 00:38:45,400 --> 00:38:49,600 Speaker 1: specifically the good people on both sides thing. Barack Obama 715 00:38:49,680 --> 00:38:53,040 Speaker 1: himself said that he knows it's not true. We know 716 00:38:53,200 --> 00:38:57,319 Speaker 1: it's not true. Everybody with half an inclination to dive 717 00:38:57,360 --> 00:38:59,960 Speaker 1: into something at a minimal level knows that it's not true. 718 00:39:00,280 --> 00:39:03,320 Speaker 2: And yet he still said it and suffered. 719 00:39:03,320 --> 00:39:09,040 Speaker 1: Zero political consequences for it. So what world, Michelle? Was 720 00:39:09,080 --> 00:39:12,560 Speaker 1: there some lack of grace period that you didn't get 721 00:39:12,680 --> 00:39:16,319 Speaker 1: because of the melanin continent content in your skin that 722 00:39:16,480 --> 00:39:21,840 Speaker 1: other presidents have gotten? When was the Trump grace period? 723 00:39:21,920 --> 00:39:24,640 Speaker 1: I must have missed that. I must have must have 724 00:39:24,760 --> 00:39:30,480 Speaker 1: completely surpassed my recognition of it because I must have 725 00:39:30,520 --> 00:39:34,040 Speaker 1: been asleep. I don't know. Maybe I was the thirty 726 00:39:34,080 --> 00:39:37,680 Speaker 1: second grace period that the Trump administration got. Was if 727 00:39:37,719 --> 00:39:41,120 Speaker 1: there was any, it was about that long. I probably was, 728 00:39:42,280 --> 00:39:45,360 Speaker 1: I don't know, asleep. Actually, that's probably not true. I 729 00:39:45,400 --> 00:39:48,279 Speaker 1: was probably eating pizza because of the time change during 730 00:39:48,320 --> 00:39:50,720 Speaker 1: the inauguration, which is the only timeframe that that thirty 731 00:39:50,719 --> 00:39:53,840 Speaker 1: seconds could have happened. I probably was getting pizza because 732 00:39:54,440 --> 00:39:56,520 Speaker 1: I was on you know, the West coast. It was 733 00:39:56,600 --> 00:39:59,080 Speaker 1: nine pm, but it was midnight on the East coast. 734 00:39:59,160 --> 00:40:02,239 Speaker 1: And so during that thirty second grace period that the 735 00:40:02,280 --> 00:40:06,440 Speaker 1: media gave the president, I probably was at a late 736 00:40:06,520 --> 00:40:10,640 Speaker 1: night pizza place. That's why I missed it. Bottom line 737 00:40:10,680 --> 00:40:13,600 Speaker 1: here is the grace period that is afforded to others 738 00:40:14,760 --> 00:40:16,920 Speaker 1: was apparently not afforded to the Obamas, which is the 739 00:40:16,960 --> 00:40:20,960 Speaker 1: opposite of true, and the opposite of true. Happened because 740 00:40:21,000 --> 00:40:25,319 Speaker 1: of course they were black, which not to go in 741 00:40:25,400 --> 00:40:30,000 Speaker 1: on this. Do you think and I'm genuinely curious email 742 00:40:30,040 --> 00:40:32,880 Speaker 1: the show TBT at TPUSA dot com. Producer Glenn has 743 00:40:32,880 --> 00:40:36,759 Speaker 1: some thoughts one second Clinton or comment on on on YouTube. 744 00:40:37,200 --> 00:40:40,879 Speaker 1: Do you think that Barack Obama got more votes or 745 00:40:41,000 --> 00:40:44,560 Speaker 1: less votes because he he was black? I would I 746 00:40:44,600 --> 00:40:48,600 Speaker 1: would be I would stake my entire net worth on 747 00:40:48,760 --> 00:40:50,799 Speaker 1: the fact that he got more votes. Do you think 748 00:40:50,880 --> 00:40:53,680 Speaker 1: Hillary Clinton got more votes because she was a woman 749 00:40:53,880 --> 00:40:58,239 Speaker 1: or less? All of the things that libs complained about constantly, 750 00:40:58,760 --> 00:41:02,080 Speaker 1: generally speaking, are the opposite of what they actually are. 751 00:41:02,200 --> 00:41:04,640 Speaker 1: Hillary Clinton got more votes because she was a woman. 752 00:41:04,800 --> 00:41:08,000 Speaker 1: She lost because she's a terrible candidate, but she did 753 00:41:08,040 --> 00:41:10,399 Speaker 1: better than she would have had she been a man. 754 00:41:10,520 --> 00:41:13,560 Speaker 1: Barack Obama gotten more votes because he was black, not 755 00:41:13,719 --> 00:41:18,800 Speaker 1: because of He didn't get less votes because he claims 756 00:41:18,840 --> 00:41:22,680 Speaker 1: all the country was racist, which is just factually untrue. 757 00:41:23,040 --> 00:41:25,719 Speaker 1: And race relations got worse under Obama. But we don't 758 00:41:25,719 --> 00:41:27,520 Speaker 1: need to go into that whole thing. But the bottom 759 00:41:27,520 --> 00:41:30,000 Speaker 1: line here is Barack Obama got more votes because he 760 00:41:30,080 --> 00:41:32,440 Speaker 1: was black. Hillary Clinton got more votes because she was 761 00:41:32,480 --> 00:41:35,920 Speaker 1: a woman. And yet continually there's a claim of, wow, 762 00:41:36,400 --> 00:41:39,960 Speaker 1: we didn't get the same grace period that other presidents get. Okay, well, 763 00:41:40,000 --> 00:41:42,040 Speaker 1: let me know when that grace period starts for the 764 00:41:42,080 --> 00:41:46,400 Speaker 1: Trump administration or if I missed it entirely. Glenn, your thoughts. 765 00:41:47,560 --> 00:41:51,080 Speaker 3: I was thinking about the grace period comment, and I 766 00:41:51,080 --> 00:41:53,880 Speaker 3: had just finished Eric Trump's book Under Siege, and he 767 00:41:53,960 --> 00:41:57,640 Speaker 3: mentions in the book that there was about seventeen minutes 768 00:41:57,680 --> 00:41:59,960 Speaker 3: I think he said, It's like seventeen or nineteen minutes, 769 00:42:00,040 --> 00:42:05,040 Speaker 3: a very small number of minutes after Trump was inaugurated 770 00:42:05,239 --> 00:42:08,919 Speaker 3: in twenty seventeen, before the first mainstream media I forget 771 00:42:09,000 --> 00:42:12,239 Speaker 3: the outlet, they had posted an article about now's the 772 00:42:12,239 --> 00:42:17,240 Speaker 3: time to start impeachment. He was president for twenty damn minutes, 773 00:42:17,760 --> 00:42:21,760 Speaker 3: and they had already written this article and they posted 774 00:42:21,800 --> 00:42:26,360 Speaker 3: it on inauguration day, Like, what kind of grace period 775 00:42:26,560 --> 00:42:29,080 Speaker 3: was that? Because you know, they didn't write it within 776 00:42:29,600 --> 00:42:31,839 Speaker 3: those it was already planned out. 777 00:42:31,880 --> 00:42:34,200 Speaker 2: There was never a plan for any kind of grace. 778 00:42:34,239 --> 00:42:36,760 Speaker 2: And you are completely correct. 779 00:42:36,760 --> 00:42:41,560 Speaker 3: Obama got so much grace and probably more so than 780 00:42:41,600 --> 00:42:43,160 Speaker 3: any president in my lifetime. 781 00:42:43,560 --> 00:42:46,040 Speaker 1: Well, the one thing, one thing that we know for 782 00:42:46,120 --> 00:42:49,600 Speaker 1: sure is true, that seventeen minute window in which there 783 00:42:49,640 --> 00:42:51,800 Speaker 1: was a grace period for President Trump before they started 784 00:42:51,800 --> 00:42:55,600 Speaker 1: calling for impeachments would have been only you know, fourteen 785 00:42:55,640 --> 00:42:56,880 Speaker 1: minutes if he were black. 786 00:42:57,200 --> 00:43:00,400 Speaker 2: So, of course, of course, because. 787 00:42:59,719 --> 00:43:02,719 Speaker 1: Of because of racism, yes, exactly, Glenn, thank you, you're 788 00:43:02,719 --> 00:43:05,560 Speaker 1: catching on. Thank you for uh, you know, glombing onto 789 00:43:05,600 --> 00:43:06,239 Speaker 1: the message here. 790 00:43:06,360 --> 00:43:09,680 Speaker 3: It's uh, you know, and it's it's tough as obviously 791 00:43:09,719 --> 00:43:12,840 Speaker 3: a white man. You know, I can't understand the experience 792 00:43:12,880 --> 00:43:16,200 Speaker 3: of anyone other than white men because. 793 00:43:16,040 --> 00:43:20,240 Speaker 2: Racism, right, because of racism, yes, no, but back. 794 00:43:20,040 --> 00:43:23,840 Speaker 3: In reality, I think it's it's uh, it's very sad 795 00:43:23,960 --> 00:43:26,880 Speaker 3: to see Michelle talk like this, and I don't know 796 00:43:26,880 --> 00:43:30,560 Speaker 3: if she actually believes it, Like, yeah, I think part 797 00:43:30,600 --> 00:43:33,200 Speaker 3: of me, my brain, says she doesn't believe this, but 798 00:43:33,360 --> 00:43:35,520 Speaker 3: she thinks a lot of the audience believes it. So 799 00:43:35,560 --> 00:43:39,800 Speaker 3: she's maybe playing into that idea, which is totally racist. 800 00:43:39,400 --> 00:43:39,879 Speaker 2: By the way. 801 00:43:40,120 --> 00:43:40,400 Speaker 1: Mm hm. 802 00:43:41,320 --> 00:43:43,719 Speaker 2: But what if she does, Like how sad is that 803 00:43:43,760 --> 00:43:45,560 Speaker 2: to limit yourself by that? 804 00:43:45,560 --> 00:43:49,080 Speaker 1: That is the actual problem. Like if they actually believe it, 805 00:43:49,239 --> 00:43:51,640 Speaker 1: that's when you have a like uh oh, like we're 806 00:43:51,680 --> 00:43:54,640 Speaker 1: gonna have to do something about this, because holy cow, 807 00:43:54,800 --> 00:43:57,600 Speaker 1: this is this is where things go off the rails fast. 808 00:43:57,640 --> 00:44:01,480 Speaker 1: Because when Steven people like not to give any no 809 00:44:01,520 --> 00:44:03,839 Speaker 1: pun intended not to give any grace to people who 810 00:44:03,840 --> 00:44:07,240 Speaker 1: say things that they don't believe. Uh, but you actually 811 00:44:07,280 --> 00:44:09,600 Speaker 1: believe it, That's that's worse. And that's been a running 812 00:44:09,640 --> 00:44:11,400 Speaker 1: theme on this show, like are they stupid or do 813 00:44:11,400 --> 00:44:15,000 Speaker 1: they actually believe this thing that they are saying? But 814 00:44:15,520 --> 00:44:18,279 Speaker 1: fascinating We I guess we'll never know. But you know, 815 00:44:19,200 --> 00:44:20,920 Speaker 1: as far as right now, I guess the only the 816 00:44:20,960 --> 00:44:22,520 Speaker 1: only option is to take her out her work. Maybe 817 00:44:22,560 --> 00:44:25,000 Speaker 1: she does in fact believe it, and maybe we are 818 00:44:25,000 --> 00:44:29,920 Speaker 1: in fact doomed if more and more people start believing this. Producer, Glenn, 819 00:44:29,920 --> 00:44:32,040 Speaker 1: I will see you at the next privilege meeting. As 820 00:44:32,120 --> 00:44:34,640 Speaker 1: you are white, and I have been called white adjacent 821 00:44:35,239 --> 00:44:37,760 Speaker 1: because I believe in conservative values. By in the Internet 822 00:44:37,800 --> 00:44:41,440 Speaker 1: does not accept that. The is are you bringing the 823 00:44:41,560 --> 00:44:43,359 Speaker 1: chips and I'm bringing this alsa or what? 824 00:44:43,360 --> 00:44:43,480 Speaker 4: What? 825 00:44:43,520 --> 00:44:46,720 Speaker 1: How does the privilege meeting work that's coming up here? 826 00:44:47,840 --> 00:44:51,440 Speaker 3: It's proportionate to your privilege. So I'll be bringing more chips. 827 00:44:51,480 --> 00:44:52,319 Speaker 3: You'd just bring a few. 828 00:44:55,280 --> 00:44:58,200 Speaker 1: Fantastic This has been one last point. Thanks for tuning again, 829 00:45:13,880 --> 00:45:16,120 Speaker 1: Welcome back to Turning Point Tonight. We're together. We've been 830 00:45:16,239 --> 00:45:18,879 Speaker 1: charting the course of America's cultural comeback. As you can see, 831 00:45:18,920 --> 00:45:22,120 Speaker 1: you're still on the road currently in jackson actually currently 832 00:45:22,160 --> 00:45:25,799 Speaker 1: probably in Miami, but was filming this in Jacksonville. 833 00:45:25,920 --> 00:45:27,160 Speaker 2: I hope that you've. 834 00:45:27,040 --> 00:45:29,839 Speaker 1: Enjoyed some of our kind of one last points. It's 835 00:45:29,880 --> 00:45:31,520 Speaker 1: a little bit different than the show, but we kind 836 00:45:31,560 --> 00:45:33,600 Speaker 1: of just you know, talk about things that are interesting 837 00:45:33,640 --> 00:45:37,360 Speaker 1: and producer Glen ways in and you know, anything can happen. 838 00:45:37,400 --> 00:45:39,799 Speaker 1: But you can only find those usually at our Turning 839 00:45:39,840 --> 00:45:43,080 Speaker 1: Point Tonight YouTube channel, so go subscribe there. Monica Page 840 00:45:43,120 --> 00:45:46,279 Speaker 1: did a fantastic report on the Supreme Court taking up 841 00:45:46,320 --> 00:45:49,200 Speaker 1: President Trump's tariffs, which I would love to play for 842 00:45:49,200 --> 00:45:51,680 Speaker 1: you now, because it's a very important thing, and whatever 843 00:45:51,719 --> 00:45:54,680 Speaker 1: the Supreme Court decides is going to be very very interesting, 844 00:45:54,680 --> 00:45:56,560 Speaker 1: and they're going to do it sooner than later. 845 00:45:56,640 --> 00:45:57,200 Speaker 2: So check this out. 846 00:45:57,200 --> 00:45:59,360 Speaker 1: From turning points, White House correspondent Monica Page. 847 00:46:00,080 --> 00:46:02,640 Speaker 6: We're here outside the Supreme Court where oral arguments begin 848 00:46:02,719 --> 00:46:06,520 Speaker 6: in the case involving the legality of President Trump's tariffs. 849 00:46:06,800 --> 00:46:07,319 Speaker 4: Yeah, I'm not. 850 00:46:07,320 --> 00:46:09,400 Speaker 2: Looking for leverage. I'm looking for fairness. 851 00:46:10,280 --> 00:46:12,600 Speaker 1: We want reciprocal as much as possible. 852 00:46:12,800 --> 00:46:16,000 Speaker 6: The Trump administration faces off against small businesses and a 853 00:46:16,040 --> 00:46:18,319 Speaker 6: group of states who believe most of the tariffs had 854 00:46:18,320 --> 00:46:21,720 Speaker 6: put in place are illegal and should be struck down. 855 00:46:22,200 --> 00:46:25,080 Speaker 6: In implementing the sweeping tariffs on nearly all imported goods 856 00:46:25,080 --> 00:46:27,719 Speaker 6: from nearly all US trading partners, the president used the 857 00:46:27,800 --> 00:46:32,560 Speaker 6: nineteen seventy seven International Emergency Economic Powers Act, otherwise known 858 00:46:32,600 --> 00:46:35,200 Speaker 6: as AIPA. The text of IIPA says the President has 859 00:46:35,200 --> 00:46:38,440 Speaker 6: the power to quote regulate the importation of foreign property 860 00:46:38,560 --> 00:46:42,719 Speaker 6: during national emergencies. President Trump first invoked this law back 861 00:46:42,760 --> 00:46:46,440 Speaker 6: in February to tax goods from China, Mexico, and Canada, 862 00:46:46,560 --> 00:46:51,680 Speaker 6: arguing drug trafficking from those countries. Specifically constituted an emergency 863 00:46:52,120 --> 00:46:55,400 Speaker 6: for contexts. The White House previously credited this nineteen seventy 864 00:46:55,440 --> 00:46:58,520 Speaker 6: seven act for its speed and flexibility, and by declaring 865 00:46:58,560 --> 00:47:01,759 Speaker 6: this emergency Act under the law, the president can issue 866 00:47:01,840 --> 00:47:05,920 Speaker 6: immediate orders and bypass longer processes. The Administration deployed it 867 00:47:06,000 --> 00:47:09,200 Speaker 6: again on April second, ranging from ten percent to fifty 868 00:47:09,200 --> 00:47:12,560 Speaker 6: percent tariffs on goods from nearly every country in the world. 869 00:47:12,880 --> 00:47:15,600 Speaker 7: Our country and its taxpayers have been ripped off for 870 00:47:15,640 --> 00:47:19,319 Speaker 7: more than fifty years, but it is not going to 871 00:47:19,640 --> 00:47:20,680 Speaker 7: happen anymore. 872 00:47:20,800 --> 00:47:21,800 Speaker 2: It's not going to happen. 873 00:47:22,520 --> 00:47:25,879 Speaker 6: We've already seen some positives that Trump's tariffs have had 874 00:47:25,920 --> 00:47:30,759 Speaker 6: on our economy and relationships overseas. For example, Treasury Secretary 875 00:47:30,760 --> 00:47:33,920 Speaker 6: Scott Besson says, if it wasn't for AIBA, the fentanyl 876 00:47:34,000 --> 00:47:36,960 Speaker 6: situation involving China would be far worse. 877 00:47:37,320 --> 00:47:41,360 Speaker 1: It is matter of national security. The Chinese agreed to 878 00:47:41,640 --> 00:47:45,360 Speaker 1: start working to bring down the precursors for fentanyl. 879 00:47:45,680 --> 00:47:48,560 Speaker 6: The administration also says that thanks to these tariffs, we 880 00:47:48,600 --> 00:47:50,640 Speaker 6: will significantly cut the deficit. 881 00:47:51,000 --> 00:47:53,920 Speaker 7: In fact, this year alone, we are going to cut 882 00:47:53,920 --> 00:47:59,480 Speaker 7: the deficit by six hundred billion dollars. Namely because of 883 00:47:59,520 --> 00:48:02,120 Speaker 7: the President's effective use of teriffs. 884 00:48:01,680 --> 00:48:03,480 Speaker 6: And it could even go as far as giving the 885 00:48:03,520 --> 00:48:05,160 Speaker 6: American people a rebate. 886 00:48:05,600 --> 00:48:08,600 Speaker 3: We have so much money coming in, we're thinking about 887 00:48:08,840 --> 00:48:09,760 Speaker 3: a little rebate. 888 00:48:10,200 --> 00:48:11,759 Speaker 1: But the big thing we want to do is pay 889 00:48:11,880 --> 00:48:12,399 Speaker 1: down debt. 890 00:48:12,960 --> 00:48:14,360 Speaker 2: But with thinking about or rebate. 891 00:48:14,480 --> 00:48:17,720 Speaker 6: So what happens next? If the court rules the tariffs 892 00:48:17,760 --> 00:48:21,240 Speaker 6: are illegal, the president's trade strategy may be in trouble. 893 00:48:21,680 --> 00:48:24,759 Speaker 6: Reports also say the government may have to refund some 894 00:48:24,920 --> 00:48:28,200 Speaker 6: of the billions of dollars that already collected through these tariffs. 895 00:48:28,440 --> 00:48:30,560 Speaker 6: But the president has a backup plan. 896 00:48:30,719 --> 00:48:32,719 Speaker 7: I'll tell you the White House is always preparing for 897 00:48:32,800 --> 00:48:36,239 Speaker 7: Plan B. It would be imprudent of the President's advisors 898 00:48:36,400 --> 00:48:38,400 Speaker 7: not to prepare for such a situation. 899 00:48:38,600 --> 00:48:40,880 Speaker 6: Even political reports at the White House is ready to 900 00:48:40,960 --> 00:48:43,880 Speaker 6: quote fall back on a patchwork of other trade statutes 901 00:48:43,880 --> 00:48:47,440 Speaker 6: to keep pressure on US trading partners and preserve billions 902 00:48:47,440 --> 00:48:50,680 Speaker 6: in tariff revenue. President Trump recently weighed in ahead of 903 00:48:50,719 --> 00:48:53,719 Speaker 6: these oral arguments, raising alarms if he does not win 904 00:48:53,800 --> 00:48:54,320 Speaker 6: this case. 905 00:48:54,520 --> 00:48:57,440 Speaker 1: I think our country would be immeasurably hurt. 906 00:48:58,400 --> 00:48:59,880 Speaker 2: I think our economy. 907 00:49:00,880 --> 00:49:03,440 Speaker 6: And he also took to truth social expressing just how 908 00:49:03,520 --> 00:49:06,000 Speaker 6: high the stakes are in this case, calling it quote, 909 00:49:06,160 --> 00:49:10,200 Speaker 6: life or death for this country. But Press Secretary Caroline 910 00:49:10,239 --> 00:49:12,160 Speaker 6: Levitt conveyed confidence from the podium. 911 00:49:12,360 --> 00:49:15,680 Speaker 7: We are one hundred percent confident in the President and 912 00:49:15,760 --> 00:49:19,000 Speaker 7: his team's legal argument in the merits of the law 913 00:49:19,080 --> 00:49:22,200 Speaker 7: in this case, and we remain optimistic that the Supreme 914 00:49:22,200 --> 00:49:23,600 Speaker 7: Court is going to do the right thing. 915 00:49:23,920 --> 00:49:26,920 Speaker 6: And what House spokesman Push Decai exclusively shares with us 916 00:49:26,920 --> 00:49:30,280 Speaker 6: here at Frontlines a message of hope, saying, quote, President 917 00:49:30,320 --> 00:49:33,960 Speaker 6: Trump lawfully exercised the emergency tear off powers granted to 918 00:49:33,960 --> 00:49:37,600 Speaker 6: the executive branch by Congress, and the administration is confident 919 00:49:37,640 --> 00:49:41,040 Speaker 6: in its ultimate victory on this matter by the Supreme Court. 920 00:49:41,680 --> 00:49:44,800 Speaker 6: While the White House expresses optimism ahead of the arguments, 921 00:49:44,840 --> 00:49:47,799 Speaker 6: its ruling will either cement or gut one of the 922 00:49:47,920 --> 00:49:52,040 Speaker 6: boldest executive trade gambles in history. From the Supreme Court 923 00:49:52,120 --> 00:49:59,480 Speaker 6: for Front Lines, with turning point, I'm Monica, page