Macrodosing Podcast Summary

Episode: Trump Proposes 50 Year Mortgages
Date: November 11, 2025
Hosts: Arian Foster, PFT Commenter, Big T, Chris, Dane
Producer/Panelists: Vibs, Christian

Main Theme

This episode dives into Trump’s proposal for 50-year mortgages, various housing market issues, stimulus checks, NFL developments, New York living, and the irrational pet peeves that tick off the Macrodosing crew. The conversation is wide-ranging with a signature Macrodosing mix of humor, skepticism, and deep-diving into policy implications.

Key Discussion Points

1. College Football Playoff Scenarios (05:46–11:22)

• Dukes’ Prospects: The crew opens with talk about college football, imagining wild scenarios where lower-tier teams (like JMU and Duke) could shake up the playoff structure.
• Format Changes: References to format tweaks in the playoff system and how unlikely teams might steal playoff spots.
• Host banter: “If Duke wins the ACC, there’s a fair to Midland chance… the ACC might not get an automatic qualifier...” — Big T (06:44)

2. NFL Coaching Carousel and Team Woes (11:23–16:08)

• Brian Daboll’s Firing: Arian reacts to the Giants head coach’s firing, predicting a quick bounce back for him in another coaching role, possibly with the Bills.
  • “That’s the thing about the NFL… so many reasons why a good head coach might not work or a good quarterback might not work.” — Arian (12:18)
• Bills’ Troubles: Chris and Dane, as Bills fans, discuss current disappointments.

3. Trump, Stadium Naming, and Washington NFL Drama (13:28–16:08)

• Trump's Suggestion: The hosts riff on Trump floating the idea of naming the Washington stadium after himself instead of RFK.
  • “How cool would that be?...I just want to enjoy my shitty team without Donald Trump inserting himself...” — Arian (14:09)
• Naming Rights Realities: Big T gives insight into corporate stadium deals, while Arian jokes about “RFK Jr. being usurped by Trump.”

4. Nancy Mace vs. Charleston Airport and Epstein Files Conspiracies (17:03–20:36)

• Viral Congressional Drama: The show breaks down Rep. Nancy Mace’s political feud with the Charleston airport and speculates on her mental state, then pivots to how her vote could impact potential release of Epstein files.
  • “She’s kind of gone off the deep end… posting about this incident nonstop, saying hold the line, because there’s a deep state coming after…” — Arian (17:39)
• Epstein Files Votes: Speculation about maneuvering in Congress to get the decisive vote to release Epstein files.

5. Airport CEOs, Salaries, and Flight Attendants’ Jobs (20:36–28:18)

• Airport CEO Salaries: The panel marvels at high executive pay in airports, debating what these positions actually entail.
  • “What do you do as an airport CEO? Cut the ribbon on a new gate?” — Arian (20:50)
• Flight Attendant Realities: Conversations about working conditions and salaries in the airline industry; Chris provides stats ($65k median, $30/hour).
• Travel Pet Peeves: Dane and Big T bemoan entitlement on flights and general decline in passenger behavior post-COVID.

6. THE FEATURE: Trump’s 50-Year Mortgage Proposal (28:18–39:09)

• The Proposal Explained: Trump’s suggestion for 50-year mortgages as a solution to the housing affordability crisis is met with skepticism and derision.
  • “Do you want to never own a home? This is a great way.” — Arian (28:47)
  • “You’re paying $200 less a month to pay an extra 400 grand on the house.” — Big T (29:09)
• Interest Math: They run through the numbers: on a $500k home, a 30-year mortgage is $419k in interest, but 50 years is $700k+.
• Comparison to Student Loans: Big T draws parallels to college costs ballooning after federal loan guarantees.
• Subsidizing Demand: The crew notes that the move would just increase housing prices further.

Notable Quote:

"This is the WEF. You will own nothing and be happy."
— Arian (28:53)

7. Stimulus Checks and Economic Impact (30:29–33:23)

• Tariff Dividend: Discussion on Trump’s floated idea for a $2,000 “tariff dividend” stimulus. Questions raised about inflationary effects and funding the program.
  • “Kind of caused crazy inflation last time.” — Big T (31:23)
  • “I think he’s in the phase of just saying stuff right now.” — Arian (33:23)
• Eligibility Debates: The group projects that only non-high income Americans (< $100k or $75k) would receive it.

8. BlackRock, Corporate Home Ownership, and Housing Policy (33:45–38:18)

• Investment Giants in Housing: The impact of BlackRock and other big institutions buying up single-family homes, some left vacant as investments.
  • “Foreign investors shouldn’t be buying up houses and holding onto them vacant…There should be laws against this stuff.” — Arian (35:12)
• Regulatory Proposals: Debate over potential regulations to prevent investment firms from dominating the housing market.

9. Traditional vs. Extended Mortgages — The Numbers Game (38:18–39:55)

• Mortgage Decisions: Discussion about 15- vs. 30-year mortgages, tradeoffs between monthly payments and total interest paid.
• Personal Experience: PFT shares his own mortgage choice, prioritizing lower payments and liquidity.

10. What to Watch: TV Recommendations (39:57–43:41)

• Pluribus: Big T recommends the new Apple TV show, calling it “unfortunately, very, very good.” (40:11)
• Allegory for…: The show is described as an allegory for AI.
• Other Streaming Hits: Brief segment on AppleTV vs. Netflix, viewership trends, and quality original programming.

11. NFL Week, Streaming Gripes, and YouTubeTV Refunds (44:11–45:22)

• Manningcast Lineup: Bob Iger from Disney is on, leading to rants about NFL streaming rights, YouTubeTV’s $20 credits, and corporate stinginess.

12. Listener Voicemails & Real-life Advice (50:12–63:14)

Motivation for Work (50:12–53:26)

• Finding Drive: Hosts share what keeps them motivated — money, laughter, gratitude, and the fun of the job.
  • “I just find my motivation from, like, laughing and hanging out with somebody that makes me laugh…” — PFT (50:46)
  • “I tricked myself into being money-motivated for a little bit, but then had to stop lying to myself..." — PFT (51:48)

Moving to New York City (55:18–63:14)

• Caller Dilemma: Listener’s partner is being called back to NYC for work; they make $200k+ combined and wonder about livability.
• Hoboken/Jersey City Advice: Jersey City or Hoboken are recommended starter spots; Manhattan affordability is a “shock.”
• Arian’s Rent Story: “I went to sleep the first night, and it sounded like someone was just hitting my walls with a hammer… it was the radiator.”
• Reminiscing: The group shares horror stories and tips from small, expensive NYC apartments.
• Best Time in NYC: “The ideal length to live in New York is like eight months… March to October.” — Big T (62:01)

Irrational Pet Peeves (65:37–76:38)

• Caller Prompt: What irrational thing do you secretly hate? (Example: pregnant women holding bellies in photos)
• Host Confessions:
  • Standing up to board early — “If you’re not in group one, sit down.” — Big T (67:16)
  • Social media posts to parents with no accounts
  • Overuse of car horns
  • People who call teams "we" when they aren’t truly affiliated
  • People who repeatedly forget introductions
• Linguistic Nits:
  • "Me as well" vs. "me too"
  • Dislike of “How come” instead of “why”

Notable Quotes & Memorable Moments

• On Trump’s mortgage plan:
  "It’s the dumbest idea of all time." — Big T (28:47)
  "You almost double the price you pay for your home." — Arian (29:00)

• On Congress and the Epstein files:
  "She’s kind of gone off the deep end… saying hold the line, because there’s a deep state coming after..." — Arian (17:39)

• On New York living:
  "I went to sleep the first night, and it sounded like someone was just hitting my walls with a hammer... and it was the radiator." — Arian (57:02)
  "The ideal length to live in New York City is like eight months... March to October." — Big T (62:01)

Timestamps for Key Segments

• College Football Playoff Scenarios: 05:46–11:22
• NFL Coaching and Brian Daboll: 11:23–16:08
• Trump Stadium Naming Riff: 13:28–16:08
• Nancy Mace, Airport, Epstein Files: 17:03–20:36
• Airport Salaries, Flight Attendants: 20:36–28:18
• Trump’s 50-Year Mortgage Proposal: 28:18–39:09
• Stimulus/Inflation Discussion: 30:29–33:23
• BlackRock and Home Ownership: 33:45–38:18
• Mortgage Q&A: 38:18–39:55
• Pluribus & Streaming TV: 39:57–43:41
• Manningcast & Streaming Credits: 44:11–45:22
• Listener Voicemails: Motivation: 50:12–53:26
• NYC Moving Advice: 55:18–63:14
• Irrational Pet Peeves: 65:37–76:38

Tone and Style

The tone is irreverent, sarcastic, and conversational with plenty of pop-culture riffs and inside jokes. The crew mixes solid knowledge and serious policy analysis with classic Barstool banter and playful trolling.

Summary Takeaway

The Macrodosing team is united in their incredulity at Trump’s 50-year mortgage idea, skeptical of "tariff dividend" stimulus checks, and critical of giant investment firms inflating housing prices. Their city-living stories go from laughable to painful, and the collective venting about private pet peeves showcases the show’s signature blend of humor and candid honesty.