Podcast Summary: Jeff Lewis Has Issues

Episode: Ms. Pat & Zach Noe Towers: Nicknames & Funeral Homes
Date: November 14, 2025
Host: Jeff Lewis
Guests: Ms. Pat, Zach Noe Towers
Theme: Comedy and real talk about family, second chances, investing, and everyday life, with Ms. Pat’s signature no-nonsense wisdom and Jeff’s self-deprecating humor.

Episode Overview

Jeff welcomes comedian Ms. Pat and returning favorite Zach Noe Towers for a wide-ranging discussion that’s equal parts hilarious and heartfelt. They cover topics like parenting, financial advice for families, buying cars from funeral homes, managing relationships (and bedrooms!), and adopting no-filter approaches to life, money, and love. Ms. Pat shares unfiltered stories from her past, her rise to TV success, and lessons learned along the way. The episode also spotlights Ms. Pat’s new season of her courtroom show, Ms. Pat Settles It, and dives into both the ridiculous (Halloween costumes gone wrong) and the practical (negotiating everything, even used cars).

Key Discussion Points & Insights

1. Ms. Pat’s TV and Comedy Life

Ms. Pat introduces her court show

• Ms. Pat Settles It just dropped its third season on BET. She found her new bailiff—a hilarious, unfiltered comedian—via TikTok.
  • “He’ll walk right into my boss’s office… and he makes sure they treat you better.” (Ms. Pat, 03:24)
  • The “bailiff” is known for comically roasting people’s employers and gets calls to real offices, sometimes resulting in police being called or lawsuits.
  • Ms. Pat insists: “He be in there smoking in their office and everything.” (Ms. Pat, 04:08)

2. Ms. Pat’s Unvarnished Life Story

• Ms. Pat discusses surviving a tough upbringing, teen motherhood, and turning her life around after time in prison for selling crack—not for “bank robbery” as Jeff jokingly guesses.
  • “Can you please give me black people crimes? That’s a white person crime. Insurance, crack… I was selling crack.” (Ms. Pat, 06:48)
• Credits her husband, Garrett, for supporting her dreams—often against his will:
  • “He funded it, whether he was willing or not. I stole his credit cards.” (Ms. Pat, 07:56)
  • They’re still together after 32 years, though now in separate bedrooms: “I wouldn’t trade that fat man for the world.” (Ms. Pat, 07:36)

3. Parenting, Adoption, and Tough Love

Black vs. white parenting (10:20–14:00)

• Ms. Pat pokes fun at White parents: “If you hold white babies up to the light bulb, you can see through them.” (Ms. Pat, 10:20)
• She has raised many children, both her own and several sets of adopted nieces, nephews, and grand-nieces, insisting on discipline and honesty:
  • “You got a kid?… If you don’t… if you be soft on them, they gonna be hard on you. I don’t play that.” (Ms. Pat, 12:24)
• She adopts tough love and brutal candor:
  • “[To her adopted child:] Do you know your real mama smoke crack?... I'll let you see your mama selling pussy. So don’t do that.” (Ms. Pat, 13:55)
• She gives every kid a “real” nickname, announcing Jeff’s daughter Monroe would be “Ro Ro” at her house. (15:04)

4. Money, Investing, and Funeral Homes

Turning Hard Lessons Into Family Wealth (17:36–22:10)

• Growing up, Ms. Pat subscribed to the notion of kicking kids out at 18—until she learned better:
  • “If you let your kids stay, they can develop more.” She built a “separate house” for her daughter on her property while teaching her to save and invest.
  • “She invests 80% of her paycheck… She only lives off 20%.” (Ms. Pat, 18:49)
• Advice on finance for the Black community: invest, buy property, don’t waste on liabilities, and help each other get started with any amount—$20k, $50k, whatever you have.
• Funeral home car-buying tip:
  • “If you want to buy somebody a car… look up your local funeral home, see who died and call the family member—ask if they want to sell that person’s car… Instead of going to a car lot, go to the funeral home.” (Ms. Pat, 19:48)
  • Jeff relates: “When my grandmother passed, I sold that beautiful Mercedes for like 20 grand.” (Jeff, 20:01)

5. Negotiating, Property Flipping & Lessons from TV

Real Estate, Deals & HGTV Lies (21:53–26:05)

• Ms. Pat and her daughter recently bought their first rental property together—teaching her to reinvest and be smart with rental income.
• She despises inflated estimates on HGTV:
  • “How much is it to take down this wall? She was like, eighteen hundred dollars. And I’m like, girl, stop lying… All it take is a hammer.” (Ms. Pat, 25:41)
• On property expansion:
  • Built a 15,000 sq ft home, separate houses, a pool, and more—now struggles with the high taxes and insurance:
    • “My taxes are like 25,000 and the insurance is like 20,000.” (Ms. Pat, 24:25)
• On negotiation:
  • “Even back when I was a prostitute, it was negotiable.” (Ms. Pat, 28:12)
  • “You negotiate everything?” —“I negotiate everything.” (28:11)

6. Life at Home: Relationships, Kid Habits & Separate Bedrooms

Why Separate Bedrooms Work (35:41–36:45)

• Ms. Pat and her husband sleep in separate bedrooms for comfort, sleep quality, and personal space:
  • “His boob on top of my boob… we sticking together… None of that no more, Jeff. Oh, baby.” (Ms. Pat, 36:17)
  • She likes her room hot (“like a toaster oven,” 36:27), while he prefers it cold.
  • Reframes intimacy: “Sex to me is just two pumps and we both sleep.” (Ms. Pat, 35:26)

7. Iconic Quotes and Memorable Moments

• “If you hold white babies up to the lightbulb, you can see through them.” —Ms. Pat (10:20)
• “This is what we gonna eat. But I don’t play no games either.” —Ms. Pat (15:54)
• “Look up your local funeral home and see who died and call that family member, ask them, do they want to sell that person’s car…” —Ms. Pat (19:48)
• “Even back when I was a prostitute, it was negotiable.” —Ms. Pat (28:12)
• “Jeff made 10,000 under. Jeff lost money. He sure did.” —Ms. Pat on TV home-flipping numbers (43:00)
• On separate bedrooms: “His boob on top of my boob and we sticking together ’cause we both ain’t got on no shirts… None of that no more, Jeff.” (36:17)

8. Miscellaneous Highlights

• Zach's Halloween Costume Dilemma:
  • “Everyone went as Drew Barrymore from the opening scene [of Scream]. Turned out to be lazy and unoriginal.” (Jeff/Zach, 49:07)
• On buying a used Prius that ended up infested with rats:
  • “He spends $9,000 fixing the $8,000 car. He’s now in it at $17,000… He don’t have a car note!” (Jeff/Ms. Pat, 40:14)
• Ms. Pat’s event for fans:
  • She throws an annual party for her fans in Atlanta—the “Ms. Pat Fan Celebration”—drawing attendees from as far as Canada and London. (49:20)

Timestamps for Key Segments

• 03:09 — Finding the “bailiff” via TikTok
• 06:48 — Ms. Pat on her criminal record and turnaround
• 12:22 — Parenting philosophies and discipline
• 15:04 — Nicknames for kids (“Ro Ro” for Monroe)
• 18:49 — Daughter saves and invests 80% of income
• 19:48 — Buying cars from funeral homes
• 25:41 — HGTV’s construction cost lies
• 28:12 — Negotiating everything (even prostitution)
• 35:26 — Ms. Pat on sex and separate bedrooms
• 36:27 — Her “toaster oven” hot bedroom
• 43:00 — TV shows and IRS audits
• 49:20 — Ms. Pat’s fan celebration party

Tone & Language

The episode is brash, honest, and filled with unfiltered humor. Ms. Pat and Jeff both play off each other’s candor, with Ms. Pat often steering conversation toward blunt truths, personal stories, and practical advice—sometimes with wild zingers or explicit language. Zach provides comedic asides and stories about his own dating and home-buying misadventures. The banter is lively, sometimes raucous, reflecting both Ms. Pat’s standup roots and Jeff’s signature confessional style.

Conclusion

A spirited, laugh-until-you-cry episode that toggles between real-life practicalities (buying a dead person’s car, crazy coupons, investing for your kids) and unrehearsed hilarity (see-through white babies, nicknaming children, bedroom hotboxes). Ms. Pat drops genuine life lessons amidst the laughs, urging self-reliance, honesty, and a little hustle in everything you do.

For more, check out Ms. Pat’s court show (“Ms. Pat Settles It” on BET) and follow her at @comedianmspat.