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

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

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

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Speaker 1: routine shows us how they achieve their success little by little,

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Speaker 1: day after day. It's like banking with P and C Bank.

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

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Speaker 1: decisions with your bank, but keeping your money boring is

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

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Speaker 1: and C Bank Brilliantly Boring since eighteen sixty five. Brilliantly

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Speaker 1: Boring since eighteen sixty five is a service mark of

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Speaker 1: the PNC Financial Service Group, Inc. P and C Bank

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Speaker 1: National Association Member FDIC erness What's Up? You ever walk

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Speaker 1: into a small business and everything just works like the

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Speaker 1: checkout is fast, the receipts are digital, tipping is a breeze,

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Speaker 1: and you're out the door before the line even builds.

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Speaker 1: Odds are they're using Square? We love supporting business that

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Speaker 1: run on Square because it just feels seamless. Whether it's

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Speaker 1: a local coffee shop, a vendor at a pop up market,

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Speaker 1: or even one of our merch partners. Square makes it

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Speaker 1: easy for them to take payments, manage inventory, and run

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Speaker 1: their business with confidence, all from one simple system. If

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Speaker 1: you're a business owner or even just thinking about launching

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Speaker 1: something soon, Square is hands down one of the best

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Speaker 1: tools out there to help you start, run and grow.

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Speaker 1: It's not just about payments, it's about giving you time

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Speaker 1: back so you can focus on what matters most ready.

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Speaker 1: To see how Square can transform your business, visit Square

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Speaker 1: dot com backslash go backslash eyl to learn more that

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Speaker 1: Square dot com backslash, go backslash eyl. Don't wait, don't hesitate.

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Speaker 1: Let's Square handle the back end so you can keep

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Speaker 1: pushing your vision forward.

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Speaker 2: And somebody had asked Don some questions about retirement planning.

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Speaker 2: So it's end of the year, so I think it

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Speaker 2: might be a good time to come and go over that. Yeah,

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Speaker 2: maybe we can go over the twelve different type of

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Speaker 2: retirement plans for individuals and business owners quickly. So four

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Speaker 2: one K plan is something that everybody probably is familiar with.

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Speaker 2: That is for for profit businesses. You can actually contribute

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Speaker 2: up to twenty three thousand dollars a year if you

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Speaker 2: are an employee, an additional seventy five hundred dollars if

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Speaker 2: you are over fifty, so that's thirty thousand, five hundred

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Speaker 2: so benefit With the four one K you put money in,

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Speaker 2: it lowers your taxable income, save money on taxes. You

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Speaker 2: take it out when you're fifty nine and a half

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Speaker 2: without avoiding a penalty. If you work in a school

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Speaker 2: or a hospital, you might have what's called a full

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Speaker 2: three B plan, same type, same type deal, same rules apply,

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Speaker 2: but that is for the nonprofit world, but it still

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Speaker 2: allows you to actually put money in. And then with

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Speaker 2: the four one K plans and a four three B

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Speaker 2: sometimes as well, they give you a rough option. We'll

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Speaker 2: talk about that later. Before fifty seven plan is for

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Speaker 2: government employees, so they're all in a force. I don't

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Speaker 2: know why the IRS coded it like that, but the

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Speaker 2: four one K for for profit, four three B for nonprofit,

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Speaker 2: four fifty seven for government entities. And then the IRA

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Speaker 2: is for individual people that want to put money away.

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Speaker 2: If you have a business, or if you don't have

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Speaker 2: a full on one K, you can open up an IRA.

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Speaker 2: Anybody can open up an IRA. You can do it yourself,

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Speaker 2: you can work with a financial advisor. You can put

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Speaker 2: up to seven thousand dollars and that an additional eight

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Speaker 2: and additional one thousand to bring into eight thousand if

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Speaker 2: you're over fifty, and then you have a rough IRA

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Speaker 2: option also, which the rough you don't pay taxes when

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Speaker 2: you take the money out, but you don't get a

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Speaker 2: tax deduction when you put the money in. Now, for

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Speaker 2: business owners, this is where it gets a little bit

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Speaker 2: more complicated. Simple IRA allows you to put sixteen thousand

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Speaker 2: dollars in and an additional thirty five hundred dollars if

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Speaker 2: you're over fifty, but the employer must match an employee

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Speaker 2: contribution dollar for dollar up to three percent. So as

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Speaker 2: a business owner, you're number one. Your number one thing

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Speaker 2: is a business owner is how to save money, right,

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Speaker 2: And one of the best ways to save money is

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Speaker 2: to implement a retirement plan. And you kind of kill

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Speaker 2: two birds with one stone because you're lowering your tax liability,

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Speaker 2: but you're also putting yourself in a position to actually

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Speaker 2: have more money down the line, right. So it's like

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Speaker 2: you can just buy a computer and that's a tax deduction,

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Speaker 2: but you're not really getting that money back, right, Yeah,

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Speaker 2: something that is beneficial for you. But when you put

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Speaker 2: money into a retirement plan, that's like you're saving money

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Speaker 2: as far as it's lowering it. And that's how when

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Speaker 2: they say you're saving money, that's what that means. Right,

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Speaker 2: it's lowering your tax liability. But you're also going to

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Speaker 2: be getting that money back because it's money that's invested,

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Speaker 2: so it's not like you just bought something.

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Speaker 3: You actually you're investing the money as well. Right.

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Speaker 2: Solo forour one K is like a four one K,

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Speaker 2: but it's for an entrepreneur, so it's just one person, right.

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Speaker 3: And then you have.

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Speaker 2: A pension plan to find benefit that's a little bit

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Speaker 2: more complicated, Mike. You can split the screen and that

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Speaker 2: allows you you can actually put up to two hundred

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Speaker 2: and seventy thousand dollars in a pension plan. So that's

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Speaker 2: obviously a lot more than a regular retirement account, right,

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Speaker 2: and that's.

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Speaker 3: One of the benefits.

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Speaker 2: Like you always say, the tax code was not made

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Speaker 2: for employees. It was made for entrepreneurs and investors, right,

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Speaker 2: So you see, Okay, Now, as an employee, the most

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Speaker 2: you could put in is twenty three thousand with the

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Speaker 2: four one K, But if you're a business owner, you

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Speaker 2: can put depending on how your your business set up,

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Speaker 2: you can put up two hundred and seventy thousand dollars

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Speaker 2: away that what ten times? That's like yeah, time difference.

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Speaker 2: Profit sharing plan. You could put up the sixty six

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Speaker 2: thousand dollars into that cash balance plan. That's a little

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Speaker 2: bit more complicated. There's not really a set amount that

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Speaker 2: depends on how much money at your businesses actually bring in.

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Speaker 2: Then you have the thrift Savings Plan which a lot

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Speaker 2: of teachers have, that also better known as a TSP,

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Speaker 2: and that's kind of like the four one K where

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Speaker 2: you can put up the twenty three thousand dollars a

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Speaker 2: year as.

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Speaker 3: Well the results.

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Speaker 2: Please consult with a tax advisor CPA to know your options.

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Speaker 2: But a lot of times you're leaving money on the table,

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Speaker 2: especially if you're a business owner. Because you're not you

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Speaker 2: might not even be aware that you can do a

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Speaker 2: pension plan, right, and you think that okay, the most

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Speaker 2: I can put it into a four to one K,

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Speaker 2: but you can actually you can do a full one

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Speaker 2: K and you can do a pension plan. So you

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Speaker 2: might be putting away twenty three thousand dollars and you think, okay,

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Speaker 2: that's great, but you still might be paying three hundred

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Speaker 2: thousand dollars in taxes. Well, if you put away another

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Speaker 2: one hundred thousand dollars into a retirement plan, now that

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Speaker 2: might cut your tax liability by eighty thousands. That's that

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Speaker 2: makes a real difference, right, And for the regular employee,

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Speaker 2: you might be funding your four one k at minimal levels. Right,

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Speaker 2: This is a way to actually, you know, put more

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Speaker 2: money into it. So vitally important when you talk about investing,

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Speaker 2: because we talk about retail investing on the brokerage side

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Speaker 2: most of the time, but there are other ways to

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Speaker 2: invest and you can invest that money, and most of

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Speaker 2: the time it's different funds. Sometimes they let you invest

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Speaker 2: in individual's thoughts, but most of the time it's like

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Speaker 2: different funds and indexed funds ETF stuff like that. But

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Speaker 2: it's important because like I said that that makes a

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Speaker 2: real difference as far as paying one hundred and fifty

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Speaker 2: thousand dollars in taxes as opposed to paying fifty thousand

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Speaker 2: dollars in taxes, right that one hundred thousand only not

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Speaker 2: only are you saving one hundred thousand, but the opportunity

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Speaker 2: cost that hundred thousand could potentially grow into a million,

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Speaker 2: So you actually lost a billion dollars by not taking

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Speaker 2: advantage of something that is here designed for you.

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Speaker 3: But you know, like I said, it's kind of complicated.

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Speaker 2: You got like twelve different options, right, so if you're

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Speaker 2: not educated and your CPA is not educated, then you

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Speaker 2: might not even be fully taken advantage of ways to

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Speaker 2: max out your.

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Speaker 3: Retirement to save money on your taxes.

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Speaker 4: It's a great list value from the highest level and

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Speaker 4: from a celebrity.

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Speaker 3: Celebrities, twelve ways them up sound like you do this

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Speaker 3: for a living. It was a great list.

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Speaker 4: And the way inflation is going, I mean, I know

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Speaker 4: that the accent used to be, hey, build a business,

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Speaker 4: that's the best way to wealth, but it's like you

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Speaker 4: have to invest the money inside of the business to

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Speaker 4: help grow because the way inflation is going, you don't

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Speaker 4: know what the market is going to be like in

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Speaker 4: fifteen years. Like imagine being an entrepreneur in two thousand

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Speaker 4: and eighty nine to twenty ten and seeing these valuations

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Speaker 4: and home prices score up and commercial building score up. Like,

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Speaker 4: if you're not having money work for you, lord forbid,

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Speaker 4: if the business goes under, at least you'll still be

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Speaker 4: making some money from the returns you should get out

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Speaker 4: of one of these plans.

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Speaker 3: That's a fact. That's what I mean.

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Speaker 1: Obviously I'm being frocegious. You obviously did this for a living.

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Speaker 1: I want it now, like as you were speaking, based

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Speaker 1: on technology, based on the way the world the landscape is. Now,

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Speaker 1: what are the biggest differences you see in financial planning,

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Speaker 1: financial advising from the day you started to present day.

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Speaker 2: I'm not in this space anymore, so I'm not really

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Speaker 2: sure as far as like the day to day, but

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Speaker 2: I know technology has definitely changed everything as far as uh,

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Speaker 2: you know, when I came in, it was paperwork, you know,

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Speaker 2: like glasses amounts of paper, and now a lot of

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Speaker 2: a lot of that has been changed and everything is online.

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Speaker 3: Even how they keep your records is online.

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Speaker 2: And that's one of the things where I like the blockchain,

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Speaker 2: Like that's how I understood blockchain early, and I understood

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Speaker 2: like how it was going. Everybody kept talking about blockchain

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Speaker 2: as far as cryptocurrency, but blockchain what is going through

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Speaker 2: to the once again, the healthcare industry is going to

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Speaker 2: be phenomenal because it's like, you know, when we used

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Speaker 2: to auder medical records for somebody that won the life insurance.

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Speaker 2: So if you want a life insurance. You have to

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Speaker 2: fill the application, but then we have to nine times

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Speaker 2: out of time, we have to audio medical records, which

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Speaker 2: we call the APS attending physician statement.

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Speaker 3: Now this is us.

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Speaker 2: Actually the insurance company is reaching out to the hospital

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Speaker 2: or the doctor saying, can you give us records? Right,

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Speaker 2: and then they give them the records and then they

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Speaker 2: have to review the records. I've seen it take up

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Speaker 2: to eight months. The secretary is just incompetent. They don't

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Speaker 2: get back. And this is the physical process of they

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Speaker 2: have to facts or email paperwork. But in the doctor's

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Speaker 2: office they have thousands of paper like this is under

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Speaker 2: I've seen with my own eyes, So I understand, like,

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Speaker 2: all right, once this and it's going to take a

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Speaker 2: long time to get fully digitalized, but it's going to

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Speaker 2: get digitalized that at some point in time. So at

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Speaker 2: one point, at some point in time, all of these

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Speaker 2: medical records are going to be on the blockchain and

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Speaker 2: it's going to take a minute. It's going to say, Okay,

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Speaker 2: he had an EKG in February. I'm not I even

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Speaker 2: got to call nobody. It's going to be all in

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Speaker 2: the system. A database is the insurance company is gonna

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Speaker 2: have a system with all of the hospitals. They're gonna

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Speaker 2: put the code in and they're going to send it

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Speaker 2: and then they're gonna send it back. Little stuff like

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Speaker 2: that saves so much money, becomes more efficient, it's everything,

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Speaker 2: so it all ties in. So that's one of the

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Speaker 2: things that I just I even knew back then, like

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Speaker 2: this is going to change everything once they really can

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Speaker 2: get this done at a more efficient level.

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Speaker 3: As far as technology, and of course.

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Speaker 2: Robo advisors, I don't think robo advisors has taken off

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Speaker 2: the way that people have planned. Yeah, but who knows.

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Speaker 2: That might be something in the future. As well as

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Speaker 2: far as you know, people fully relying on AI to

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Speaker 2: be there financial advisor as opposed to a person I

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Speaker 2: don't like.

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Speaker 3: I said, it's not there yet. You still need a

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Speaker 3: human touch. But as they're.

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Speaker 2: Getting better with artificial intelligence, that might be something to

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Speaker 2: look out for for sure.

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Speaker 5: Is that one of those career paths where we look

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Speaker 5: at it fast forward to the future when we talk

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Speaker 5: about AI and general AI, at least some of those

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Speaker 5: career paths that you could see being ident to replaced,

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Speaker 5: right because the access to information is there even now,

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Speaker 5: Like a lot of people are getting access to the information.

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Speaker 5: Technology is going to streamline it as well. How much

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Speaker 5: of in the future you think the human touch is

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Speaker 5: going to be needed in that space.

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Speaker 3: I think it's still needed.

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Speaker 2: Even if you look at taxes right I mean, theoretically,

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Speaker 2: you can probably send all your information to AI right

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Speaker 2: now and AI could do your taxes. Me personally, I

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Speaker 2: would still want a human I still need to talk

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Speaker 2: to somebody, explain things to them, tell them like yo,

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Speaker 2: this is no, this was this, this was that. So,

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Speaker 2: But I do think that humans need to utilize AI.

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Speaker 2: So if you're a CPA, if you're a financial advisor,

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Speaker 2: you should be utilizing the technology as it's what everybody

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Speaker 2: keeps saying, like a lot of the things is not

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Speaker 2: necessarily going to totally replace somebody, but it will replace.

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Speaker 2: Like if you have an assistant, that might not be needed,

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Speaker 2: but that's actually could be beneficial to you because you

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Speaker 2: don't have to pay assistant anymore.

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Speaker 3: So thank the loryer from a financial standpoint to help you.

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Speaker 2: So, like I don't feel like it's I think it's

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Speaker 2: it's especially for wealthy people. I think the wealthy people.

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Speaker 2: If you got you got one hundred million dollars you still.

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Speaker 4: You're not hitting GPT five. My doubt manage the family office.

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Speaker 2: I'm sorry for like a lawyer, right, Like, yeah, if

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Speaker 2: you got a public defender, you might just want to

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Speaker 2: take your chances with a robot at that point. But

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Speaker 2: you got one hundred million, you still might. Now the

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Speaker 2: lawyers need to be working with AI to make sure

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Speaker 2: that they get.

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Speaker 3: All of the data collective.

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Speaker 2: But I still think that that personal, that personal interaction needed.

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Speaker 2: But like I said, you should definitely be working with

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Speaker 2: somebody because you know, I got audited before. And that's

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Speaker 2: because years ago I tried to do my own taxes.

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Speaker 2: This is like probably seventeen years ago, I did Turbo tax.

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Speaker 2: So I learned the valuable lesson trying to save money.

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Speaker 2: You end up, you know, going, you end up costing

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Speaker 2: more money. So I never I never used TurboTax of again,

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Speaker 2: shot of Turbo had nothing against them. But you want

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Speaker 2: to use a professional. That's my whole thing in life.

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Speaker 2: Like if I want to put a painting up, I'm

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Speaker 2: not qualified to put a painting up, right, You might

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Speaker 2: think you are until it's crook it and then you

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Speaker 2: drilled the hole in the wall. Now you got to

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Speaker 2: drill another hole in the wall, and you think, what's

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Speaker 2: the big what's the worst that could happen. It's just

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Speaker 2: a painting until.

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Speaker 3: You take your drawAll to your dall. That's a fact

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Speaker 3: that that's a change order.

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Speaker 2: I'm a big proponent and paying.

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Speaker 3: Professional to services. I have no problem with doing that.

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Speaker 2: But yeah, shouts everybody out there that's an entrepreneur, make

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Speaker 2: sure that you know you're making them mostly your situation

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Speaker 2: because the government's gonna get their money, but they're always

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Speaker 2: to limit. They're always to limit the amount of money

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Speaker 2: that you're paying legally, legally, keep working.

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Speaker 4: But oh no, as far as a debate too, I

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Speaker 4: think it's gonna be a battle between the subpart and supreme.

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Speaker 4: Those who are supreme at doing their job. There'll always

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Speaker 4: be space for you. But if you're subpar, even since

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Speaker 4: GPT came out, like I've talked about this before, man,

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Speaker 4: like I've been able to replace at least eight people,

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Speaker 4: and then I don't have the complaints about the retired

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Speaker 4: or have too much down Julio the night before great

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Speaker 4: good old d GBT and mid Jardey gonna be right there.

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Speaker 3: Thank you, Don Julio.

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Speaker 2: This is a message brought to you by education finally

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Speaker 2: ftally important and that you don't you don't you're never

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Speaker 2: You're never gonna learn that in school.

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Speaker 3: So that's, you know, one of these things you gotta

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Speaker 3: learn on your own.

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Speaker 5: Right.

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Speaker 3: They're not gonna teach you retirement planning in school.

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Speaker 2: So it's like it's one thing to become a business owner,

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Speaker 2: they're not gonna teach you that, But it's another thing.

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Speaker 2: How do you maintain your wealth? How do you maintain it?

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Speaker 2: How do you save it? How do you grow it harder?

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Speaker 2: The part these are all things that you gotta Even

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Speaker 2: shock I heard he was saying, like, you know, I

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Speaker 2: picked up a gym from him, and he was like,

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Speaker 2: I'm not just gonna pay my mom. I put on payroll.

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Speaker 2: If I'm gonna give you, If I'm gonna give my

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Speaker 2: mom money anyway, why not just give her a job?

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Speaker 3: Right, And there's plenty of job that you can give

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Speaker 3: your mom.

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Speaker 2: But so many people like we just see rappers and

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Speaker 2: it's not therefore they're uneducated.

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Speaker 3: Like you see you ever see these videos with rappers.

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Speaker 2: Give that like their mom like fifty thousand dollars in

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Speaker 2: cash or ten thousand dollars in cash for their birthday

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Speaker 2: or even the girl they do all the top they

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Speaker 2: do it. I see like girls on Instagram they get

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Speaker 2: like they get like money, like this amount of money

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Speaker 2: in like a burking bag and it's like happy birthday, babe.

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Speaker 2: I'm like, if I'm gonna give you the money, if

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Speaker 2: we're talking every day, why don't.

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Speaker 3: You be a consultant for me? Right for real? Why

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Speaker 3: don't you be on payroll?

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Speaker 2: And now you'll help me because the money that I'm

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Speaker 2: paying you is tax deductible. But I also help you

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Speaker 2: as well, because yeah, you do have to pay money

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Speaker 2: on the taxes, but at least you can have some

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Speaker 2: income that you can show when you need to buy

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Speaker 2: a car, when you need to buy a home right now,

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Speaker 2: as opposed to you just having no money to show

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Speaker 2: at all. Now, at the very least, if we're in

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Speaker 2: a relationship and I am going to give you money,

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Speaker 2: well why not, let's let's do it that way as

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Speaker 2: opposed to it looks good on Instagram. But that's that's

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Speaker 2: the Issuefty thousand is not something I'm ever going to

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Speaker 2: get it back.

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Speaker 5: You just brought up a great point inside of and

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Speaker 5: I know that's something we had conversations about in the

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Speaker 5: past where it was like, yeah, as an entrepreneur, I

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Speaker 5: can write things off. I can write things off. But

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Speaker 5: as you're doing that, you're also bringing it down your

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Speaker 5: income level. Right, So if you wrote everything off and

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Speaker 5: now you have twenty thousand that you said that you've

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Speaker 5: made this year, well yeah, you.

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Speaker 3: Try to go buy that house, to go buy something.

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Speaker 5: You know you only made twenty thousand, right, Yeah, And

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Speaker 5: so you gotta be you got to be mindful of

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Speaker 5: jesusision that you make tellers if.

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Speaker 3: They ever hit you. But I feel like love let

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Speaker 3: her go.

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Speaker 1: But I heard them on market Monday say you should

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Speaker 1: put me on salary.

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Speaker 4: Girl backing them back soon as a part of our

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Speaker 4: social media job.

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Speaker 3: Also, motherfucker.

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Speaker 2: Going back to the education process though, Like you know

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Speaker 2: what I'm saying, Like you got a vat if you

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Speaker 2: we talked about women following men, right, Well, if you're

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Speaker 2: not a leader, you can't be followed. So if you

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Speaker 2: want to be following, if you want to be a leader,

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Speaker 2: it's up to you to be an educator as well.

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Speaker 3: Right, Like, let me sit down an educate you. I'm

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00:19:12,840 --> 00:19:15,800
Speaker 3: gonna educate you on why signing is w nine is

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Speaker 3: important and it's NDA w India together w nd A play.

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Speaker 4: Sign both know what where we are?

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Speaker 5: We at dinner as we're saying this, like just like

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Speaker 5: big facts, like I want to make sure in the

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Speaker 5: future that even if I'm not here, you're good.

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Speaker 3: I'm joking, but it's real, it's real.

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Speaker 5: I'm just saying, at what point maybe this is like

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Speaker 5: a black but like, at what point do we say, like.

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Speaker 3: Yo, you know, just want to talk about this paperworker.

387
00:19:50,440 --> 00:19:53,880
Speaker 2: It's not paperwork like you like he said, like, I mean,

388
00:19:54,560 --> 00:19:57,560
Speaker 2: it is secure, it's financial security. It is it is

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00:19:58,080 --> 00:20:00,000
Speaker 2: you getting put on payroll. Who wouldn't want to be

390
00:20:00,040 --> 00:20:00,760
Speaker 2: put on payroll?

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Speaker 3: Facts? Half these dudes ain't even paying for they nailed.

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Speaker 3: But the girls nailed.

393
00:20:06,400 --> 00:20:10,119
Speaker 4: Fact, that's tricky, like with real jail looking crazy on

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00:20:10,160 --> 00:20:10,960
Speaker 4: their fingers, y'all.

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Speaker 5: They just they just throwing the bread right like you said,

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Speaker 5: like I'm putting fifty thousand dollars in the bag and

397
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Speaker 5: it's like.

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Speaker 3: Well, it's not tricking if you got it.

399
00:20:16,600 --> 00:20:18,879
Speaker 4: And half the time they're taking the money back after

400
00:20:18,920 --> 00:20:19,720
Speaker 4: the cattle go off.

401
00:20:20,640 --> 00:20:24,040
Speaker 3: That's true too, that's true too, your love. And when

402
00:20:24,040 --> 00:20:28,240
Speaker 3: you see that paper inside the car. Don't ask no questions. Yeah,

403
00:20:28,480 --> 00:20:33,760
Speaker 3: just sign bring the food out DRGs. What's that the check?

404
00:20:33,840 --> 00:20:33,959
Speaker 2: Now?

405
00:20:34,000 --> 00:20:34,160
Speaker 3: No?

406
00:20:34,160 --> 00:20:35,960
Speaker 1: No, Now you see that sticker that says signed here.

407
00:20:36,119 --> 00:20:39,040
Speaker 3: The NDA the NBA play both both.

408
00:20:39,280 --> 00:20:42,120
Speaker 4: That's the seat throw on me and more both got.

409
00:20:41,880 --> 00:20:45,080
Speaker 3: All right, both on them. That's some free game for y'all.

410
00:20:45,119 --> 00:20:46,239
Speaker 3: Y'all do what y'all want with it.

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

412
00:20:49,960 --> 00:20:53,760
Speaker 6: in Massachusetts. An MS thirteen gang member from El Salvador

413
00:20:54,000 --> 00:20:58,119
Speaker 6: accused of murdering a Texas man of Venezuelan charged with

414
00:20:58,200 --> 00:21:02,080
Speaker 6: filming and selling child prono in Michigan. These are just

415
00:21:02,200 --> 00:21:05,960
Speaker 6: some of the heinous migrant criminals caught because of President

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00:21:06,000 --> 00:21:09,520
Speaker 6: Donald J. Trump's leadership. I'm Christy Noman, the United States

417
00:21:09,600 --> 00:21:14,399
Speaker 6: Secretary of Homeland Security. Under President Trump, attempted illegal border

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

419
00:21:18,040 --> 00:21:21,240
Speaker 6: one hundred thousand illegal aliens have been arrested. If you

420
00:21:21,320 --> 00:21:25,160
Speaker 6: are here illegally, your next you will be fine nearly

421
00:21:25,280 --> 00:21:29,280
Speaker 6: one thousand dollars a day, imprisoned and deported, you will

422
00:21:29,320 --> 00:21:32,960
Speaker 6: never return. But if you register using our CBP home

423
00:21:33,000 --> 00:21:36,320
Speaker 6: app and leave now, you could be allowed to return legally,

424
00:21:36,760 --> 00:21:41,480
Speaker 6: do what's right. Leave now. Under President Trump, America's laws,

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Speaker 6: border and families will be protected.

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Speaker 3: Sponsored by the United States Department of Homeland Security,