REAL AF with Andy Frisella

Episode 989:

Andy & DJ CTI: Biden Admin Likely To Pay Out $84.6M In Error For Minnesota Housing Assistance, 10% Cap On Credit Cards & NYC Hospital Accuses Nurses Union Of Protecting Drunk And Stoned Staffers

Date: January 13, 2026

Episode Overview

In this episode, Andy Frisella and co-host DJ Cruise, joined by regular contributor Zeeshan, break down major trending headlines impacting Americans—from government mismanagement and financial reform to the state of protests and union strikes. The show delivers strong opinions, unfiltered reactions, and some humor, all while urging listeners to stay vigilant and involved.

Main Theme

The central thread is an exposé and critique of government failures, social unrest, the deepening economic squeeze on American citizens, and the loss of traditional societal standards. Andy and DJ dissect the news, drawing attention to failed leadership, misplaced societal outrage, and manipulated narratives.

Key Discussion Points & Insights

1. Government Failure: Minnesota Housing Assistance Error

(Timestamps: 06:54—14:38)

• The Biden administration is reported to have mistakenly paid out approximately $84.6 million in housing assistance in Minnesota, with money going to the deceased and ineligible, exposing egregious mismanagement.
• DJ highlights the scale: “Almost $90 million went to 500 of them were dead…” (09:04).
• Andy's blunt reaction:

  “Our government gets away with stealing all of our tax money and then, and then punishing us for not accounting for it correctly when they are free to steal and use and make it disappear any way that they want.” (10:47)

• Andy calls for a tax revolt, arguing that the average American’s lack of outrage shows how unaware people are of the predatory tax system in the U.S.
• The conversation shifts to how the government’s predatory practices contrast with the strict enforcement faced by regular citizens—a double standard that infuriates the hosts.
• Memorable Quote:

  “The fact that American citizens haven't had a tax revolt in this country to this point shows you how unaware citizens are of how predatory our tax system really is.” — Andy (10:47)

2. Social Unrest & Protest Analysis

(14:38—38:50)

• DJ covers ongoing Minnesota protests in response to perceived injustice, but notes public and law enforcement fatigue.
• Andy and DJ criticize protestors’ lack of respect for law enforcement, pointing to how some protests have devolved into chaos, vandalism, and entitlement.
• Andy’s take on protest culture:

  “This is the natural response of that behavior over time… They need to fucking clean these motherfuckers out. And whatever that means is what the fuck it means.” (18:20)

• The pair ridicule the “activist” demographic, particularly “out of touch, deranged, leftist, liberal women” who, they argue, have not faced real consequences and push progressive ideologies without clear understanding.
• Zeeshan raises (from the chat) a note on American protest style:

  “When other countries want a change, they protest the government, but in America they just loot and burn their own cities.” (28:09)

• Andy bluntly responds: “Yeah, it’s because we’re stupid.” (28:09)
• The hosts emphasize that much of the unrest is manipulated and engineered, with many protestors being paid actors—echoing broader theories of social control and intentional division by political elites.

3. The Predatory Debt System & Trump’s Credit Card Cap Proposal

(38:50—45:04)

• Andy and DJ discuss Trump’s proposal to cap credit card interest rates at 10% for one year.
• Trump’s statement:

  “Some of them are 28, almost 30% and people don’t know they’re paying 30%... We’re putting a one year cap at 10% and that’s it.” — Trump (via audio clip, 39:10)

• They agree that it’s a “crumb”—not real reform but an election-year bone to restless Americans.
• Andy argues for total financial reform:

  “The real answer is to wipe the debt from the fucking banks. Start the debt over for people… Let people get their feet underneath them again.” (41:00—42:14)

• The risk of temporary caps: people might rack up debt only to face worse interest rates later, worsening financial “slavery.”
• “The only way to bail out the people is to fucking eliminate consumer debt on their credit cards.” — Andy (44:33)

4. Iran Sanctions, Regime Change, and Advanced Weaponry

(45:08—54:30)

• Trump announced a 25% tariff on all countries doing business with Iran in response to protest crackdowns and human rights abuses.
• DJ and Andy discuss breaking news: Americans advised to exit Iran amid possible aerial strikes; reports of advanced U.S. “sonic weapons” used in Venezuela.
• Andy: “That’s nothing new. They actually have used them… to disperse riots as well.” (51:07)
• Discussion shifts to the legitimacy of regime change, outside influence, and the dangers of the U.S. as "world police."
• Andy on geopolitical strategy: “There is a geopolitical world order restructuring happening right now with all of these moves. And the intent is to solidify the United States for a long time as its own power.” (57:06)

5. Immigration and Cultural Replacement

(approx. 66:20—81:31)

• The show takes a sharp turn into immigration, national identity, and demographic replacement.
• Andy launches into a monologue criticizing unchecked immigration, both legal and illegal, and the resulting dilution of American cultural and societal norms.
• “It’s not just replacement. People say, oh, it’s they’re trying to replace us. Yeah, they’re not trying either. They’re doing it because you won’t stand up for it because you’re afraid to be called some sort of racist.” (74:16)
• The hosts express alarm at statistics and personal observations about crime and “cultural incompatibility,” placing blame on both political parties for not addressing the issue.

6. NYC Nurses Union Strike & Societal Degradation

(69:36—81:08)

• Discussion about NYC’s major hospital facing a nurses’ strike, with the union allegedly protecting nurses who show up “drunk and high.”
• Andy contextualizes the chaos as part of a movement to collapse systems (healthcare, law enforcement) in order to empower specific activist groups.
• The new NYC mayor, a “democratic socialist,” sides with the striking workers as a matter of political survival.

7. Voting Rights Debate

(87:21—95:52)

• Chat prompts spark a debate about who should be eligible to vote: Andy argues that only American citizens actively paying into the tax system should be enfranchised, not those who live off government assistance.
• DJ pushes back, arguing retirees should lose voting rights since they no longer live with the consequences—Andy vehemently disagrees.
• Memorable exchange:

  “If you don't have a tax return, you're not paying in, you shouldn't be able to vote.” — Andy (87:33)

8. Food, Fun, and Cultural Commentary: Pie, Mash & Indian Taco Bell

(03:54–06:23; 96:44–end)

• The episode is peppered with lighthearted cultural commentary, including:
  • Mocking British cuisine (pie and mash with eel)
  • An extended riff on Taco Bell’s new items in India and McDonald's food quality
  • Zeeshan defending Indian food against the stereotype that “it’s all bad”
• Andy’s humorous hot take:

  “I used to like Taco Bell, but... I believe that they put human meat in their food.” (97:17)

Notable Quotes & Memorable Moments

• “We have a very corrupt government. We have a bunch of thieves. We have a bunch of fucking criminals…”
  — Andy (11:15)
• “It doesn’t take everybody to force change. It takes a small, loud minority to force fucking change.”
  — Andy (13:00)
• “Bro, that's more than reasonable.” — DJ, after watching a viral protest confrontation (27:30)
• “I want to be able to go downtown and not get harassed by fucking weirdos.”
  — Andy (36:47)
• “We have a press that's being paid and contributed to by people with this ideology. They're selling our country down the drain for personal wealth. And that, to me, that's treason, okay?”
  — Andy (62:10)
• On voting: "You can't give people who are becoming the majority in this country the right to vote when they're not paying in to anything."
  — Andy (88:59)

Timestamps for Key Segments

• 06:54 – 14:38: Minnesota housing aid “error” and government corruption
• 14:38 – 38:50: Protests, societal unrest, and the manipulation of social division
• 38:50 – 45:04: Trump’s credit card cap: real reform or breadcrumbs?
• 45:08 – 54:30: Iran, sanctions, and regime change debates
• 66:20 – 81:31: Immigration, national identity, and demographic anxiety
• 69:36 – 81:08: NYC nurses’ union strike and system breakdown
• 87:21 – 95:52: Voting rights and who should decide America’s future
• 96:44 to end: Indian Taco Bell, food quality, cultural sidebars, show wrap-up

Tone & Language

The episode is aggressive, unapologetically populist, heavily critical of government, and employs blunt, sometimes profane, language. Andy in particular uses forceful rhetoric to amplify his points and push listeners toward action.

Conclusion

Episode 989 exemplifies the REAL AF style: rapid-fire coverage of the day’s hottest issues, passionate critique of political and social trends, and an urgent plea for ordinary Americans to wake up, get organized, and reclaim their institutions before irreversible damage is done. Listeners are left with a mix of alarm, humor, and calls to civic responsibility.