The Charlie Kirk Show, November 10, 2025

Summary

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The Charlie Kirk Show – November 10, 2025

Real America’s Voice | iHeartPodcasts

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Episode Overview

This episode of The Charlie Kirk Show, led by executive producer Andrew Colvett along with producer Blake Neff and featuring guest hosts and guests including Senator Markwayne Mullin and commentator Ryan James Girdusky, centers on critical analysis of current political events through a populist conservative lens. Primary focuses include the controversy over a proposed 50-year mortgage, the conclusion of the historic government shutdown in the U.S., and reaction to breaking political news and cultural trends. The show also reflects on Charlie Kirk’s legacy, prominent societal challenges facing Gen Z and younger Americans, and scrutinizes the political motives and fallout from recent Congressional actions.

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Major Themes & Purpose

• Analysis of the Government Shutdown: Dissecting the political maneuvering, impacts, and potential consequences as a temporary deal is reached to fund the government.
• 50-Year Mortgage Controversy: In-depth discussion about the proposal for 50-year mortgages, its implications for Gen Z home ownership and economic empowerment, and broader housing affordability concerns.
• Reflecting Charlie Kirk’s Legacy: Emphasizing Kirk’s commitment to traditional American values, homeownership advocacy, and pragmatic conservatism.
• 2025 Political Climate: Examination of fractures within Democratic and Republican parties, the influence of progressive versus moderate factions, and election strategy.
• Audience Engagement: Inviting listener emails to crowdsource perspectives, especially from different generations, on the mortgage debate and financial security.

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Key Discussion Points & Insights

1. Media Integrity & BBC Controversy (01:25–02:36)

• The show opens with news that two top BBC leaders resigned after allegations the network aired a misleadingly edited Trump speech.
• The hosts analyze how public trust in media is eroding due to such controversies.

Quote:
"It's very notable, both Tim Davy, who is the chief executive of the BBC, as well as Deborah Turnett, who's the head of BBC News—they are both stepping down this afternoon."
— Charlie Kirk (01:37)

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2. Homeownership Crisis & 50-Year Mortgage Debate (07:06–26:05)

The 50-Year Mortgage Proposal

• A new policy floated by the Trump administration and FHFA: offering 50-year mortgages to help Gen Z and millennials attain home ownership.
• Debate covers:
  • Calculation specifics (interest rates, overall cost, equity accumulation)
  • Potential for "debt slavery" versus stability in payments
  • Alternatives: building more homes, addressing supply and demand, banning or taxing foreign and institutional home buyers

Quote:
"If you have a generation that does not own stuff, then all of a sudden political radicalization starts to seep in."
— Charlie Kirk (14:55)

Quote:
"A 50-year mortgage is simply a potential weapon in a wide arsenal of solutions that we are developing right away. Stay tuned."
— Citing FHFA director Bill Pulte, referenced by Andrew Colvett (12:51)

Generational Wealth, Ownership & Societal Stability

• Kirk’s classic arguments: homeownership curbs political radicalization, promotes social stability, and is key to the American Dream.
• The show plays archived Kirk monologues linking lack of ownership to generational disaffection:

Quote:
"First time since George Washington that this generation has it worse off than their parents at the same age... and yet we're the wealthiest nation in the world."
— Charlie Kirk (15:50)

Listener Responses (21:02–26:05)

• Boomer vs. zoomer perspectives: skepticism, guarded optimism, and practical advice from real-world experience
• Criticisms center on the idea that a 50-year term only covers up systemic housing and economic problems rather than solving them.
• Suggestions: prioritize first-time buyers, tax breaks for young families, restrict institutional/foreign buyer activity.

Quote:
"It does reek of debt slavery. But let me tell you this: locking into a 50-year mortgage, if it's fixed, at least you would have the stability to know what your payment's going to be."
— Andrew Colvett (21:28)

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3. Deep Dive: The Government Shutdown’s Endgame (30:01–42:50)

Legislative Mechanics & Political Fallout

• Guest: Senator Markwayne Mullin provides insider details on the Senate’s process to end the shutdown, procedural votes, and the substance of negotiated deals, including ACA tax credits and federal worker back pay.
• Scrutinizing Democratic infighting, the weakness of party leadership, and progressive critiques of Chuck Schumer and Hakeem Jeffries.

Quote:
"Affordable health care is absolutely a joke. President Obama promised that health care premiums are going to go down 25%. They're up 221%."
— Senator Markwayne Mullin (35:51)

Optics vs Policy

• The show dissects whether the negotiation is about real policy or pure optics, with Democrats using the shutdown to rally their base and Republicans striving for policy wins.

Quote:
"It was all about politics for them. We Republicans were trying to use policy."
— Senator Markwayne Mullin (39:22)

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4. Audience Engagement: Homeownership and the Mortgage Debate (46:42–52:00)

• Dozens of listener emails read on air, providing a cross-section of American attitudes toward the 50-year mortgage.
• Notable themes:
  • Some see it as a helpful tool for family legacy.
  • Others criticize generational “I got mine” attitudes among boomers.
  • Financial professionals weigh in on possibilities to pay a mortgage down faster.
  • A call for “success sequence” adherence: get married, have kids, live within your means.

Quote:
"Seek first the kingdom. Get married in your 20s, have a big family, tithe... live within your means with what's left over. If you are able to buy a home, that's swell. If not, trust in God's word to take care of you and your family."
— Listener Mike from Ohio (50:17)

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5. Realignment & Political Strategy – Guest Analysis (59:31–78:19)

Demographic Trends & Voter Turnout

• Ryan James Gardusky spotlights turnout in New Jersey and Virginia, arguing that registration and raw Republican support is rising despite setbacks, with economic issues mobilizing blue-collar and Hispanic voters.
• Latinos swinging right is about economy, not immigration; non-college whites swung left due to affordability woes.

Quote:
"When you look at what voters are talking about, it was cost of living. Because you know, what group swung even harder against Republicans... non-college educated whites."
— Ryan James Gardusky (75:05)

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6. Breaking News: January 6th Pipe Bomb Analysis (81:16–94:03)

• Julie Kelly discusses weekend revelations linking a former Capitol Police officer through gait analysis to the January 6th pipe bomb case.
• Stresses skepticism, need for more concrete evidence, and concern over sensationalist or premature accusations.

Quote:
"Few people want to know the identity more than I do... But this analysis and investigation took place in a matter of two weeks... It definitely should raise questions."
— Julie Kelly (89:47, 93:00)

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Notable Quotes (with Timestamps)

• "We're going to walk down to the Capitol and I'll be there with you... And we're going to cheer on our brave senators and congressmen and women."
  — Donald Trump, as discussed by hosts (02:36)

• "If you move the third World to the first world, eventually we become the Third World."
  — Blake Neff (04:09)

• "You can't say that, you can't think that, you can't do this... He just stood for what was right despite all that."
  — Charlie Kirk on a moral example (05:56)

• "Government shutdown: All for optics... The Democrats knew they weren't going to get anything; it was about ginning up their base."
  — Andrew Colvett (41:23)

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Key Timestamps

• 01:25–02:36 – BBC news controversy and Trump speech editing
• 07:06–26:05 – Deep dive: 50-year mortgage, generational struggle, homeownership, listener responses
• 30:01–42:50 – Government shutdown mechanics, political feuding, Senate insider analysis
• 46:42–52:00 – Listener emails, cross-generational debate on homeownership
• 59:31–78:19 – Election strategy, shifting demographics, the “New Jersey lesson”
• 81:16–94:03 – Julie Kelly: J6 pipe bomb mystery, credibility of new allegations

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Memorable Moments

• The “rental car” analogy for generational disillusionment with renting vs owning (14:55)
• Discussion of “success sequence” and listener Mike’s heartfelt advice to Gen Z (50:17)
• Ryan James Gardusky’s data-backed optimism for Republican registration trends in New Jersey (74:40)

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Tone & Style

• The episode combines analytical seriousness with conversational informality, regularly inviting and reading passionate listener feedback.
• Frequent pop culture, biblical, and economic references ground the tone in “average American” experience, while maintaining a combative, populist edge wedded to the core themes of faith, family, and freedom.
• Guest segments are rapid, focused, and frequently reference policy specifics and historical context.

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Summary

This episode of The Charlie Kirk Show on Real America’s Voice uses the issues of the government shutdown and the controversial proposal for 50-year mortgages to examine the broader state of American politics, economics, and culture. It highlights generational struggles for economic security, critiques the uses of political optics, and challenges listeners to approach civic engagement and family legacy with renewed seriousness, all while upholding Kirk's legacy of conservative, pragmatic, and faith-based solutions. The show is a dynamic mix of political analysis, audience engagement, and clarion calls for revitalizing American ownership and agency in the face of frustrating economic and political realities.

Transcript

[Julie Kelly]

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[Charlie Kirk]

The Charlie Kirk show starts now.

[Julie Kelly]

Two top leaders of Britain's television network BBC say they are resigning after allegations the British Broadcasting Corporation made a misleading edit of a speech by President Trump.

[Charlie Kirk]

It's very notable, both Tim Davy, who is the chief executive of all of the BBC, as well as Deborah Turnett, who's the head of BBC News. They are both stepping down this afternoon.

[Senator Markwayne Mullin]

This evening in the UK and they.

[Charlie Kirk]

Are both citing this recent controversy, but.

[Blake Neff]

Also the broader climate the BBC operates in.

[Charlie Kirk]

We're going to walk down to the.

[Senator Markwayne Mullin]

Capitol and I'll be there with you.

[Terrence Bates]

And we fight.

[Charlie Kirk]

We fight like hell. But Trump didn't in fact say this at all. The BBC spliced together two clips that took place 54 minutes apart. So let's go through it again.

[Senator Markwayne Mullin]

We're going to walk down to the Capitol and I'll be there with you.

[Charlie Kirk]

Now, see that between Capitol and. And that's a cut. Here's what Trump actually said.

[Terrence Bates]

We're going to walk down to the.

[Senator Markwayne Mullin]

Capitol.

[Charlie Kirk]

And we're going to cheer on our brave senators and congressmen and women.

[Melanie Pecor]

Was Charlie Kirk's assassination a hate crime?

[Blake Neff]

Again, I would have the same answer. There are indications that it may have.

[Charlie Kirk]

Been a hate crime.

[Blake Neff]

There is a Christian aspect to this. There's a transgender aspect to this.

[Julie Kelly]

Commissioner Tisch received a heads up from.

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ICE that that raid would occur on Canal Street.

[Julie Kelly]

Now, apparently she did give the Adams administration a heads up.

[Charlie Kirk]

If you were in his shoes, how would you have reacted to this?

[Julie Kelly]

Would you have said, yes, NYPD officers do not interfere with ice. But how would you have acted as mayor?

[Ryan James Gardusky]

What I will continue to do is.

[Charlie Kirk]

Be someone who will stand up for New Yorkers when Donald Trump is seeking.

[Ryan James Gardusky]

To fulfill his promise to create the single largest deportation force in American history. And my NYPD will continue to not.

[Charlie Kirk]

Be of assistance to ICE whenever they are trying to terrorize New Yorkers across the five boroughs. Who lives in your country determines what.

[Senator Markwayne Mullin]

Your country is, right?

[Charlie Kirk]

Haiti doesn't work as a country. It just doesn't.

[Senator Markwayne Mullin]

People have tried forever.

[Charlie Kirk]

People spent billions of dollars trying to.

[Senator Markwayne Mullin]

Make Haiti work as a project.

[Charlie Kirk]

Haiti doesn't work. If you take Haiti and you move.

[Blake Neff]

It to America, it's not going to work here.

[Charlie Kirk]

Somalia doesn't work as a country, has never worked as a country. You take Somalia out of Somalia, you.

[Senator Markwayne Mullin]

Put it here, it's not going to work any better.

[Charlie Kirk]

It's not.

[Blake Neff]

It's not about how you feel about an individual immigrant.

[Charlie Kirk]

It's about the policy at a systemic scale. If you move the third World to.

[Blake Neff]

The first world, eventually we become the Third World.

[Charlie Kirk]

And that's not good for us. It's not good for anybody who wants.

[Blake Neff]

To live here in the future.

[Charlie Kirk]

You know, it could. The $2,000 dividend could come in lots of forms and lots of ways, George. You know, it could be just the tax decreases that we are seeing on the president's agenda.

[Senator Markwayne Mullin]

You know, no tax on tips, no.

[Charlie Kirk]

Tax on overtime, no tax on Social.

[Senator Markwayne Mullin]

Security, deductibility of auto loans.

[Charlie Kirk]

So, you know, those are substantial deductions.

[Senator Markwayne Mullin]

That are being financed in the tax bill.

[Charlie Kirk]

I believe in, like, the teachings of Christ. I believe, you know, that he's like, I believe in the Christian principles.

[Senator Markwayne Mullin]

You.

[Charlie Kirk]

Know, love thy neighbor.

[Blake Neff]

I believe in turn the other cheek.

[Charlie Kirk]

Which is very important for. To have forgiveness. Because if you don't have forgiveness, then you have an endless cycle of retribution. I loved his example as a family man, as a man of God, as a guy who's honest, who stood up for what was right and what he believed in despite just, like, an unrelenting opposition. Like, that's so powerful. And he's such a. I got goosebumps right now, like, thinking about it just because of his example. And there's, like, so much suppression. You can't say that. You can't think that. You can't do this. Like, this is not cool. He just stood for what was right despite all that. And I just, like, appreciate that so much. And he's just a great example. And I think that it's so sad. Like I just think about like his wife and kids and you know, obviously I have a wife and kids and it's just like he was taken too soon. But I think that our responsibility now is to like just keep spreading that message and that positivity that he spread and stand for the truth. So.

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[Charlie Kirk]

Every day there's a battle for your mind raging information coming from every angle.

[Terrence Bates]

With the will to deceive.

[Charlie Kirk]

Fear not. You found the place for truth. The voice of a generation that still has the will to believe in the greatest country in the history of the world. This is the Charlie Kirk show. Buckle up. Here we go.

[Senator Markwayne Mullin]

All right.

[Charlie Kirk]

Welcome to the Charlie Kirk show. Happy Monday to you all. Radio stations across the country. Real America's voice news Salem News channel. I am Andrew Colvett, executive producer of this fine show joined by Blake Neff, another producer on this fine show and our not so secret weapon. I saw you wondering if I was gonna say it. I couldn't help it. Lots of news this morning. We are now at the precipice of ending a one of I guess it's the longest shutdown in American history of our government and the dems are in the middle of a crash out they are the progressive wing at least of the party is freaking out. They think that they're being sold out by Chuck Schumer and and the establishment moderate wing and I think there's actually. It's a bit more of a mixed bag than that if we're being honest. We got Mark Wayne Mullen, Senator Mark Wayne Mullen from the great state of Oklahoma joining us momentarily to discuss the finer points, the negotiation, what's going on behind the scenes inside baseball. So we're going to get to that in probably about halfway through the hour. We're going to go in depth on the shutdown, where we're at now before the news broke last night, however, about this shutdown potentially coming to an end. And we'll say potentially because the base energy from the Democrat Party is raging against the Angus kings of the world and the Tim Kaines. Dick Durbin actually broke ranks. Fetterman, not a surprise there. Cortez Masto, Jackie Rosen from Nevada, both those senators. But the base energy's raging against them. So I think it's a tenuous hold. I'm not gonna like spike any footballs just yet, but it does seem that it's gonna happen. So in the meantime, before that happened, what everybody was talking about, Blake, was this 50 year mortgage idea and why that hit very close to home is housing was something Charlie talked a lot about. Gen Z getting skin in the game, you know, buying into the American dream, not becoming a bunch of raging socialists. And we see homeownership as a very key component of the American dream of getting into the economic ladder. So this 50 year mortgage idea hits it really was going to be the lead story unless the government shutdown news broke last night. And why this is key is because it's wreaking of debt slavery to a lot of people.

[Blake Neff]

We should set this up. And you know what Trump said about this?

[Charlie Kirk]

Well, let's, let's set it up. Let's set it up. So basically, just so you know, we've been talking about this independently. I think it's been getting into the ether, this Gen Z economic moonshot. How do we get Gen Z to buy into the American dream? Was one of Charlie's biggest messaging components in the last couple months of his life. And then Blake, go ahead and tell us. So Trump.

[Blake Neff]

So do we, do we have, sorry if we don't have this because I'm dropping it on the show team right away. But if we have that because this, I think this basically started with Trump just posting this on Truth where it might have been. I'm not sure what generated this, but it was great American presidents and it showed 30 year mortgage. President FDR because that I don't know if he invented it, but it was like standardized under a lot of his New Deal programs. Yep, there we have it there and then it has 50 year mortgage President Trump. And so, and then that same day on Saturday, this is when it happened. The admin confirmed the. Yeah, the FH FA director, Bill Pulte kind of said we're working on this and other big changes to mortgages. And yeah, it created a lot of reaction because the 30 year mortgage as it currently is, is you pay. Well, you pay for your house for 30 years. So let's say you bought it when you were 25 or 30. You're probably fully paying it off around the time that you're reaching your late middle age or early retirement period. 50 year mortgage, as you said, it makes you raise an eyebrow a bit because like let's say you're a 35 year old, you know, kind of millennial and you don't own a house yet, you maybe finally got married, you finally had a kid, you want to buy a home, a 50 year mortgage that goes from. You are paying this off around the time you retire to you will likely not pay this off before you die.

[Charlie Kirk]

So yeah, if you do the math here. So a medium home price in America is $500,000. I'm going to use, I'm going to use round terms. It's just to say it's approximately $500,000 if you, at the prevailing interest rates of about 6% right now, if you have a $500,000 home and a 30 year mortgage, you're going to pay about a half million dollars more in interest over those 30 years. So a $500,000 home is actually a million dollar home.

[Julie Kelly]

Mm.

[Charlie Kirk]

If you add 20 years to the mortgage. So it's. It becomes a 50 year triples it.

[Senator Markwayne Mullin]

Correct.

[Charlie Kirk]

Well, a $500,000 home then will cost you more than 1.5 million over the price over the time of.

[Blake Neff]

Yeah. So doubles, I should say doubles the interest.

[Charlie Kirk]

So Even though it's 20 more years, it's. It doubles it. Yeah. So the interest, the way that they calculate interest. Yeah, it more than doubles it. So you're essentially tripling the cost that you would have to pay as opposed to paying cash.

[Blake Neff]

Now, I should caveat that it is over 20 years, which, if you have an interest spike, which we've had a big interest spike the last five years, that can, if you're in at like a lower interest rate, that can radically reduce the effective amount that you are paying. So it's double the amount of interest. But you can kind of bake in that there will be continued inflation in the US currency over that time span.

[Charlie Kirk]

Yeah. So here's my basic point And I want to put this up. This is from Bill Pulte. You mentioned it before, image 92. I think the admin got the message pretty quickly that this was not the type of solution that we were looking for. Now my glass is a little half full on this and I'll explain in just a second. He says, we hear you. We are laser focused on ensuring the American dream for young people, all caps. And that can only happen on the economic level of home buying. A 50 year mortgage is simply a potential weapon in a wide arsenal of solutions that we are developing right away. Stay tuned. So I want everybody that was blackpilling on this because there is this growing sense that a lot of this economic populism is phony, it's fake, it's a paper tiger, it's a pr, it's an optics thing. Where's the actual conservative economic populist idea? Right. But to this point I was talking with some very well known conservative influencers over the, and thought leaders really over the weekend and one of them's really into business. Got a lot of businesses, got a lot of. He understands the way, you know, to leverage interest, to leverage debt, all these things. And his point was like, listen man, if I could have got a 50 year mortgage at 3% interest rates and I could have got much more house for my, my money, I would have taken that any day. Wait till my income shot up a little bit, refinance to it back to a 30 and then I'm locked in. And I will say that, you know, potentially this addresses like let's say 5%.

[Blake Neff]

Of the problem hopeful. You know, it's an idea out there. It's probably not what I would have led with.

[Charlie Kirk]

Exactly. I mean that's the key. That's the key.

[Blake Neff]

Yeah. If it's an option that is better than a 30 year for you, you should take it. But that is, I don't think we can say, oh we rolled out a new type of mortgage where you won't pay it off till you die and say that that is the ideal thing. And I, this is an issue, as we mentioned, Charlie was very passionate about it. So let's, let's loop in one of Charlie's clips on this and let's get why this is important. This is Charlie explaining why not owning creates so much political radicalism in America. Clip 49 if you have a generation.

[Charlie Kirk]

That does that does not own stuff.

[Senator Markwayne Mullin]

Then all of a sudden political radicalization starts to seep in.

[Blake Neff]

I have a question for all of.

[Charlie Kirk]

You in the audience and this should hammer at home.

[Senator Markwayne Mullin]

It's from my friend Frank Turek.

[Charlie Kirk]

And I told him as soon as.

[Blake Neff]

He said it, I said, I'm going.

[Charlie Kirk]

To steal this one. Frank, when was the last time you.

[Blake Neff]

Washed a rental car?

[Senator Markwayne Mullin]

When you rent a car from Hertz or from Avis, do you wash it? Do you go get the oil checked.

[Charlie Kirk]

On that rental car?

[Blake Neff]

Of course not.

[Senator Markwayne Mullin]

It's not yours and you know it. You're borrowing it.

[Charlie Kirk]

And it's no different than how people are living in apartments endlessly till they're.

[Senator Markwayne Mullin]

32, 33, they have two kids and they have to rent because the access.

[Charlie Kirk]

To the housing market is so impossible. You have an entire population generation that is on the outside looking in. And that is a prerequisite for a political revolution. If we don't turn renters into owners.

[Blake Neff]

One more clip and then we'll go to ads and we'll ask for emails. Let's do 52.

[Charlie Kirk]

First time since George Washington that this generation has it worse off than their parents at the same age. It has not happened, not even during the Great Depression. It's about the same. They are. This generation is significantly worse off. And the problem this is, this is what no one mentions. We're not poorer. You would think that the country's gone.

[Senator Markwayne Mullin]

Through like an economic tailspin the last 15 years. Okay.

[Charlie Kirk]

Your young people can't afford homes and they're putting groceries on credit and they're killing themselves. They're socially isolated and they're addicted to benzodiazepines and Zoloft. It's obvious you guys went through like a terrible economic catastrophe. Like you lost a war. Yeah. If you look at the economic conditions, you would think the other conditions surrounding it are like abject poverty. These are the problems that like third world nations have. I know our young people can't afford stuff and they have to finance their basic necessities. And yet we're the wealthiest nation in the history of the world on the planet. Yeah. This is people in the audience. This is the key issue of our time. This is the what's giving rise to mamdanism and magionism. We must address it. We're gonna continue talking about it in just a second. First, I wanna tell you about Legacy Box. Charlie thought a lot about legacy, what we pass on to the next generation. I'm not just talking about values. I mean real memories, your family history. Charlie used legacy box to digitize his old family tapes and pictures. Family meant so much to him and to us at the show. And so preserving those memories is truly important. Legacy Box makes it super simple. You send them your tapes, films or photos, they digitize them and you get it back on the cloud safe, organized and ready to share. So get exclusive early access to Legacy Boxes Box is big deal. Their big deal of the year to digitize your memories for just $9 per tape, saving you $15 per item. You've heard me talk about Legacy Box before, so go to legacybox.com kirk that's legacybox.com Kirk's to get your memories secured by Christmas. We'll be right back.

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[Charlie Kirk]

Stop watching the news and start making some the Charlie Kirk show all right, welcome back to the Charlie Kirk Show. I want to tell you about why Refi? Why Refi? Gosh. As we're talking about Gen Z and debt and American Dream, this is the company you need to talk to if you find yourself in a situation where you have distressed or defaulted private student loans. Why Refi can help you with that. So there's over $300 billion of private student loans in the United States. 45 billion of that is labeled as distressed. You want to check them out. Why Refi refinances distress or default to private student loans that others won't even touch. They won't sniff. They provide you with a custom loan payment based on your ability to pay. They're not a debt settlement company. They work with each borrower individually so you can tailor a loan to your specific situation you will not be calling a faceless call center. Why Refi can reduce your monthly payment and guarantees interest rates under 6%, ensuring affordability and financial relief. They don't care what your credit score is at all. So that's the best part. So if you find yourself in a situation where you have destroyed your credit, they can help. So go to y refi.com, that's yrefy.com or call 888 y refi 34. That's 888 y refi 34. We're going to be right back. We're going to read some of your emails continuing this discussion on the 50 year mortgage. We'll be right back. All right, welcome back radio stations across the country to the Charlie Kirk Show. I'm Andrew Colvett. This is Blake Neff joining us in studio. We got Senator Mark Wayne Mullen. Next segment, we're going to dive into the particulars of the government shutdown and if it's actually going to reopen, which it seems poised to do. But let's read some of these emails on the 50 year mortgage.

[Senator Markwayne Mullin]

Yeah.

[Blake Neff]

Yeah. So email us at Freedom CharlieKirk and also tell us if you are a zoomer or a boomer. There's only two generations anymore or a millennial, whatever, whatever. It'd be interesting.

[Charlie Kirk]

Zoomer or boomer.

[Blake Neff]

I'd like to see different generational takes on this if possible. But we had Linda said on a 50 year, you would actually just be renting your home. Now, technically not true. Of course, you would very slowly be building equity in it. But I think that sentiment that at 50 years you are really, it will feel like you are renting because you would never kind of really get to anticipate the actual experience.

[Charlie Kirk]

I want, I want to, I want to and well, I want to react to that just really quick. Really quick. So yes, it does have and we admitted this, we conceded this point actually before the break or before the show. Blake and I were talking about this, that, yeah, it does, it does reek of debt slavery. But let me tell you this, if you have rented a property in every year the landlord increases your rent, then locking into a 50 year mortgage, if it's fixed, at least you would have the stability to know what your payment's going to be. Right. So that's just one pushback to that potentially.

[Blake Neff]

But still, I very much understand where that one's coming from. Then we have and I guess, you know, yeah, if it's fixed, you know, it just does gradually go down with inflation. Then we have Michelle said, I thought you all were smarter. No one says you have to take a 50 year mortgage. It's just an option. Just like a 15 year mortgage at 25 years old, just like I did with a 15 year mortgage at 25 years Old. Balloon payment, and guess what? I paid it off. I understand that, but at the same time, like, yes, it's just an option, but I think people can sense that it's sort of the. Oh, the option everyone used to have has gotten worse. So here's this option that might be better, but it's sort of just perpetuating a system that's in decline. It's sort of like if, you know, if suddenly you're getting kicked in the nuts and they're like, oh, well, we can kick you in the shins instead, that'll hurt less.

[Charlie Kirk]

So what it does optically, I think it does send the signal like, hey, we understand nobody can afford this. So instead of making things more affordable or addressing underlying affordability issues. Yes. We're just going to make it so that you could pay the debt off longer.

[Blake Neff]

Exactly.

[Charlie Kirk]

And that feels really disingenuous when you actually realize there's a structural supply and demand problem. We're letting in 1.2 million foreigners into this country every year when Americans can't even buy their own homes. So like, you know, there is a. The social compact is breaking down. We can all feel it. So let's address that. But no, we're just.

[Blake Neff]

And then we have Patricia and she says it's bad as far as accumulated interest payments. But how many people actually keep their original 30 year mortgage? I actually don't know. That'd be an interesting stat. How many Refinance.

[Charlie Kirk]

Like you should grab that graphic of the price of homes over the years.

[Blake Neff]

Yeah, I'll grab that in a sec here. Yeah, and she just points out, I think people generally refinance or sell their houses and obtain new mortgages. So the interest rate for a full 30 year mortgage is not necessarily relevant in the long term. People are always trading up or refinancing. Also, interest is tax deductible. That is true. One thing I would flag as an issue potentially, you know how amortization works on amortization. Yeah. I can't pronounce things right, but. And what that means is early on you're paying a lot more in interest than you are in principal. And so you aren't racking up that much equity in the early years, even of a 30 year mortgage with a 50 year. I have to imagine that's really bad where at 10 years in, you don't have 20% of the house, you might have 10% of the house or something. Yeah, Less.

[Senator Markwayne Mullin]

Yeah, yeah.

[Blake Neff]

And So I think that would be a concern with the ability to sell it off. Like you'll have surprisingly little equity on that 50 year mortgage. Let me get that chart.

[Charlie Kirk]

So let me, let me. Who was the one that talked about how whoever that caller was or emailer that, that said you usually end up rolling over or you refinance, you sell the home. That is the argument in favor of this. Right? So the argument in favor is that at least you're getting owners. So it does address part of the problem. I do not think it should be the, the end all, be all. This is not a silver bullet. But it does address part of the problem because if you are a 30 year old and you're buying a home on a 50 year mortgage, at least you're getting that sense of ownership. You probably are going to end up trading up or selling that home or using equity that you build into it or that it just accrues because you build equity as the asset appreciates and then you would use that to leverage other home purchases in the future. Right. Okay, so, so I agree with that and I think it's important. But what we need to also be doing this is why I highlighted the Bill Pulte tweet is that you know what, and this is what Charlie advocated for, this is people like Benny Johnson are working on right now is we need, we have a supply and demand problem issue as well where we need to buy more or build more homes. We need to build a lot of them and we need to make that easier for first time homebuyers to be prioritized. No foreign buyers, no institutional money, no you know, Blackstones or private equity groups buying up massive swaths of the inventory. And so that's, that's key. But also I think we should get creative about, hey, do, do young people under the age of 35, do they get to write off $50,000? Do they get to write off their entire mortgage altogether? These are questions.

[Senator Markwayne Mullin]

Yeah.

[Blake Neff]

Should we go through the break and read some emails? I think we should. I think we should.

[Charlie Kirk]

All right, we're going to read your emails in the break. So if you're watching on streaming or if you're on podcast, you get to check it out. We'll be right back and take a quick break.

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[Terrence Bates]

One time of year that birchgold Group gives away free Gold with every qualifying purchase. That's right for Black Friday. When you convert an existing IRA or 401k into a tax sheltered IRA in gold, the Birch Gold Group will send you free gold to your home for every $20,000 purchased. Gold started this year off around $2,600 an ounce. By October it was over $4,000 an ounce. Why, you ask? Well, you can blame global uncertainty. 2025 has been defined by by trade wars, central banks pulling away from the US Dollar as the global reserve currency, and military tension continuing to build. Gold thrives in times of uncertainty like that. If you're looking to diversify your savings, the Birch Gold group can help now. Plus now through November 30th, get free gold with the qualifying purchase. All you have to do is text the word America to the number 989-898 to claim your eligibility and for a free information kit on gold. However, your opportunity for free Gold with purchases ends on November 30th, so don't wait. Text America to the number 9898 98. For full details, do so now. Welcome back to this Real America's Voice news break. I'm Terrence Bates. A group of Senate Democrats split with Senate Minority Leader Chuck Schumer on Sunday night and joined the Republican majority in voting to move forward with the temporary with temporarily, excuse me, reopening the federal government. The move comes after Senate Majority Leader John Thune told his colleagues they would stay in session until the government reopens. At the moment, the longest government shutdown in US History continues, but this deal would fund the government for several weeks and guarantee a December vote on extending expiring Affordable Care act tax credits, which is what Democrats have been holding out for. Under the proposal, Federal Workers would also receive back pay. Plus, mass firings of federal workers during the shutdown would be reversed. Seven Democrats and an independent voted with Republicans on Sunday, meaning that more votes are expected this week. Members of the US House have been put on notice to prepare to return to Washington in the coming days to pass the proposal and get it on the president's desk. President Trump also chiming in saying, quote, it looks like we're getting close to the shutdown ending. That's a quick check of your headlines.

[Charlie Kirk]

This movement will not be silenced. You're listening to the Charlie Kirk show. All right. Welcome back to the Charlie Kirk show. I'm Andrew Colvett, executive producer of this fine show, along with Blake Neff. And we have we are joined by Senator Mark Wayne Mullen, Senator from the great state of Oklahoma. Senator, welcome back to the show.

[Senator Markwayne Mullin]

Thanks, brother. Thanks for having me.

[Charlie Kirk]

Yeah, absolutely. Werp, thank you for making the time. I know you guys are in the middle of it in the Senate. The negotiations are ongoing. We had that big vote last night where it was a procedural vote, a test vote to see if we could get to 60 and get to cloture. Where are we at now? Jackie Rosen Was that 60th vote? Well, Cornyn ended up being the 60th vote after a little bit of a flight delay, I'm told. Where are we at now, Senator?

[Senator Markwayne Mullin]

So let me explain the process. Last night we had a motion to proceed to get on the bill which invoked 30 hours of debate. Once we finish that 30 hours, which by the way, the House can or the Democrats can give back that time anytime they want to. Once they give back the time or the clock expires, we have to have a motion to amend the House CR because we're changing the date from November 21st to January 30th. And then we're taking out three CR bills because we CR'd all 12 CR continue resolution on all 12 bills. We're replacing them with three of Trump priority bills, which is Milcon, Military, AG and Ledge. And so we're going to see our three bills put in three funding bills for President Trump. And then once we do the amendment, we have another 30 hour debate which could technically take us into Wednesday. I think they will yield back all their time and we'll wrap it up tonight. The House will have to come back and vote on it probably sometime on Wednesday and we'll reopen the government.

[Charlie Kirk]

So break down the basics of the deal, Senator. So I know riffs were involved. I know a guaranteed vote on the ACA Subsidies, who's getting what in this.

[Senator Markwayne Mullin]

Exchange, in this bar, there really wasn't a deal that we struck. What we offered them was a guaranteed vote on aca. But we offered them, which is affordable health care, which is unaffordable. We can break that down anytime we want to, Andrew. But what we offer, we offer them a guaranteed vote. Not an outcome, just a vote back in October 16th. So we could have opened the government weeks ago. The RIF was really the White House. We didn't offer that. What happened with the rif, which these are all the employees that were fired since October 1st. So basically, since the shutdown, President Trump in the White House offered Tim Kaine to put these people back on payroll, but only until January 30th. So that doesn't mean they can't be refired. That just means they're going to get their back pay and then make it through the holidays, and then they can still be deemed unessential and let go and shrink the size of government, which will probably be what happens.

[Charlie Kirk]

So, yeah, I was gonna say, so what. So they what happens at January 30? Is it an automatic go back to what Russ Vote and others had accomplished with these rifts, which are reductions in force, just in case the audience is wondering what RIFs are that's culling the herd in the federal bureaucracy. So what happens on January 30th?

[Senator Markwayne Mullin]

Well, January 30th, we could find ourselves right back in the same boat we are right now. But what we're trying to do is do four more appropriation bills. So that'll put us to seven total appropriation bills, remember, because as long as we do a CR continued resolution, we're actually still working underneath Trump policy or not Trump policy, Biden policy, priorities and funding levels. What we want to do is get underneath, get away from that as much as possible and work with underneath Trump's policy in his appropriation levels, which is significantly less than what the Biden administration was. So January 30th, we're going to try to do four more appropriation bills that'll give us a total of seven appropriation bills. Because of the size of those seven, it's about 87% of the government funding. And then we'll probably go ahead and see our continued resolution. The rest of it all the way our plan is, is to get it. Instead of it it running out October 1st, we're going to try to push it until December so we can get it past the midterm so the Democrats can't use it. As a leverage point once again, October 1st.

[Charlie Kirk]

Okay, so. So it looks like we're going to have probably a deal. Although I just saw a clip come by. I think we're trying to cut it right now. Hakeem Jeffries is vowing to keep the fight going in the House. I'm not sure what his options are there.

[Senator Markwayne Mullin]

That's exactly how he doesn't have the votes.

[Charlie Kirk]

Yeah, well, I mean, we could play the clip here. It's loaded. Okay, we'll play it. I haven't seen it yet, Senator. We'll play it. 99. So, as House Democrats, we know we're on the right side of this fight.

[Terrence Bates]

The right side of the American people.

[Charlie Kirk]

And we're not going to support partisan Republican spending bill that continues to gut the health care of the American people.

[Terrence Bates]

And we're going to continue the fight.

[Charlie Kirk]

To extend the Affordable Care act tax credits. And if it doesn't happen this week, next week, this month, next month, then it's the fault of Donald Trump House.

[Terrence Bates]

And Senate Republicans who continue to make.

[Charlie Kirk]

Life more expensive for the American people. All right, so I have, I've like a thousand. I have a thousand issues.

[Senator Markwayne Mullin]

There's so much unpacked there.

[Charlie Kirk]

Yeah, there's. So go, Senator. You're the guest. Go ahead and do it.

[Senator Markwayne Mullin]

Okay, let's. First of all, he called it affordable health care. Affordable health care is absolutely a joke. President Obama promised that health care premiums are going to go down 25%. They're up 221%. All the premium tax credit did was trying to extend an increase that the health insurance, health insurance company said they were going to have to increase premiums. During COVID the Democrats voted unanimously. Not one single Republican voted for this in 21. Democrats did it completely by themselves because Nancy Pelosi was Speaker, Chuck Schumer was leader in the Senate, and Biden was in the White House. They purposely made it expire in four years, so they could have made it permanent if they wanted to. And for them to say that Republicans own the high cost of affordable health care, it's completely unaffordable. They know it's a mess. It's a complete talking point. He wants to talk about. They're not going to support these funding bills. Well, what about the military? See, a lot of his members have military bases in their districts, which, by the way, also have federal employees, federal contractors that work there, too. And not just to mention the men and women that are serving the great nation. He's not going to be able to hold his team Together. But really, what's happening here is Akeem Jeffries wants to run for president in 2028. And the guy knows that he has an opportunity here, so his base demands him to do this. But the guy's in a mess because why? He went out and endorsed a communist madame as New York mayor. It's absurd when you hear how weak the leadership is. What's so weak about this is Chuck Schumer's the weakest leader we got, period. And his party broke from him. Hakeem Jeffries party is gonna break from him, too. And that's just gonna show you how big of a mess this Democrat Party is.

[Charlie Kirk]

Well, so let's get into. I'm gonna play two cl. Really short ones here. Senator. So you talked about Chuck Schumer being weak. I think you were absolutely spot on. The left, the progressive wing of the party is raging against Schumer. Even though Schumer was a no on reaching cloture, the left is blaming him for failing to control his people in the Senate. His caucus, 87. I think Chuck Schumer, his days are over. If he cannot put that.

[Senator Markwayne Mullin]

If he cannot keep his caucus together.

[Charlie Kirk]

If he cannot keep.

[Senator Markwayne Mullin]

Keep this caucus together, he needs to go.

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[Charlie Kirk]

So the view is now, hey, Chuck Schumer's out. We want AOC or whatever the heck they're going to say next. But then listen to Morning Joe here, Senator. He's basically saying, like, this was a success, actually, even though, you know, this thing is about to go and we're about to reopen the government without getting all the things we want on the ACA subsidies. But it was a success because guess what? Nobody's talking about crime anymore. Play cut 86.

[Terrence Bates]

The Democrats is.

[Charlie Kirk]

They took crime off the front page of every newspaper.

[Senator Markwayne Mullin]

That was the story. And they turned it into health care.

[Charlie Kirk]

So you get these two competing visions of what are opinions of what has just taken place with this. This the record longest government shutdown in our history. And so was this all a game of optics? Because at the end of the day, nobody was going to have the votes. If you're the Democrats, they weren't going to have the votes to win this. This game of chicken. It was a political game of chicken. All for optics, all for nothing. They knew they weren't gonna get the ACA subsidies. So what's. What's the takeaway here? What, what, what did we just put the country through? And for what?

[Senator Markwayne Mullin]

It was all about politics for them. We Republicans were trying to use policy. We're trying to have sound policy moving forward. Politics was all the Democrats were doing here. This was never about the $1.4 trillion to for illegals. If you remember, that conversation went away weeks ago. What this was is about making sure their base was ginned up for the no King rally. They were planning on reopening the government. When they realized they couldn't reopen the government because they knew November elections were coming. They, quote, they said this to me because I was part of the negotiations. We can't reopen. Chuck Schumer said that he'll release the handcuffs. That is a, quote, release the handcuffs once the Tuesday election is over because they were afraid their base wouldn't show up to vote if they did it. Before that, there was 13 Democrats that agreed to vote to reopen the government. Now, what's really interesting, what the View said there is the View said that Chuck Schumer's days are numbered. Well, he's not up for reelection in 28, I think, because, Madame, remember, he's not a natural born citizen. He was just. He just became a citizen in 2018. I think they run him against Chuck Schumer. He doesn't stay in New York four years. He runs for Chuck Schumer's seat and wins in 2028. And AOC is trying to get on the presidential ticket either as a VP or as a presidential nominee moving forward. Talking about Joe. Here's how ridiculous Joe is. Now. Joe is not wanting to actually talk about facts. He didn't say crime was down. He said they took it off the front page.

[Charlie Kirk]

Bingo.

[Senator Markwayne Mullin]

So he's playing politics, too. Here's a reporter that's supposed to be reporting the facts, and he's praising the Democrats for using this gimmick by holding the American people hostage or as the leverage points for over 40 days, crashing our economy. Our GDP was at 4%. It's down to 1%. We have more flight cancellations today than we ever had in the history of the United States with the exception of 9, 11. And he's praising it as a success because they took crime off the front page. This is absurd.

[Charlie Kirk]

Yeah, that's a really. I mean, nothing boils this down or distills the essence of what just happened. More than that, it is all for optics. It doesn't matter, like you said, that crime is actually down. It just matters. What are people talking about? It's all about political leverage and optics. And I actually tweeted this out this morning that there is no moral high ground here. The tell is in the reaction to what just took place. They didn't get their ACA subsidies. They knew they were never going to. We have the votes, they don't. So as long as we keep our caucus together, you know, there was never gonna be a situation where we sort of bent the knee and you're like, oh, sure, let's spend another $1.5 trillion that we don't have. And yeah, of course there's gonna be some illegals and some people that Joe Biden let in that should not be getting that taxpayer money. We all know that's the case. You proved it last time you were on the show. And so it's really infuriating to see that these folks basically held the country hostage for 40 days when they knew they weren't going to get anything because they simply thought they were getting political momentum and leverage out of it. Senator, final word. 15 seconds.

[Senator Markwayne Mullin]

Well, you just summed it up. You summed up everything. And fortunately, every one of the Republicans stayed strong because we had a strong leadership in President Trump with the exception of Rand Paul. I don't, I can't. Rand Paul's Rand Paul. But other than that, the American people saw that Republican parties were standing strong behind President Trump because he had a clear vision with a clear leadership mentality. Thank you, sir.

[Charlie Kirk]

Thank you, Senator. We'll have you back on again soon. Thank you so much.

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[Charlie Kirk]

Say the Charlie Kirk Show. All right, welcome back to the Charlie Kirk Show. Looks like Senator Schumer is speaking from the House floor. He looks defeated. I think it's fair to say.

[Blake Neff]

I feel like he should always look defeated. He's.

[Charlie Kirk]

Man, he's got a look, doesn't he? It's got a real look. He's a real, very grim, real looker. I mean, he almost looks like a cartoon character for real. Let's go ahead and play cut 100.

[Terrence Bates]

Donald Trump cannot take 42 million hungry.

[Charlie Kirk]

Hungry people as hostages. He cannot withhold the benefits they need.

[Terrence Bates]

For food for their families. Even now, Donald Trump isn't satisfied today. Even more cruel, he appealed to the Supreme Court yet again to try and get out of paying full snap benefits. The president's done a lot of cruel, nasty, mean things over the years.

[Charlie Kirk]

So he's looking very depressed. Stolen from the, from the Senate floor. I mean, that guy, he voted no on it. And they are, they don't care because he's the one who couldn't keep his peace.

[Blake Neff]

I'm really, I, the whole vibe worries me because in the end, I think we should acknowledge it is not good for the country to just have a government shut down. If even if you think, oh, the government's so bad, I like it being shut down. That itself is a giant, you know, flashing red warning light.

[Charlie Kirk]

Yeah. That should be like a big alert.

[Blake Neff]

And I'm worried that the Democrats and, you know, potentially Republicans too, are reaching this idea where they just regard it as politically good to have the government shut down whenever they're not in charge of it.

[Charlie Kirk]

Well, and that's what's so cynical about this whole thing is that you have, you, you have eight people that caucus with senators, that caucus with the Democrats that finally broke rank, and you've got Tim Kaine saying, listen, I got all these government workers that aren't getting paid in my home state. I got basically a million people in Virginia that are on the government payroll. So I have to worry about that. Angus King is coming out and saying there's no end game. We're about to see all the flights shut down. Like, what's the end game here? We don't have the votes, so we got to try a different strategy. So you finally had eight people that came to their senses after they used it as political leverage to help them gin up support in these off year elections. We're gonna welcome back radio in about five seconds. We'll be right. All right, welcome back, national radio, Real America's Voice. All the, all the folks streaming. So we got innovated tons.

[Blake Neff]

Dozens of emails at Freedom at Charlie Kirk. Just different thoughts on the mortgage question. A good amount of enthusiasm for it, I've got to say, across the spectrum. Surprised Me a little bit, but I want to read some of those. So for example, we have Shelley. Shelley says I am a millennial. I went to a good high school, the same school as boys, two men. I have not seen that. But I grew up in the city to a single mom. I didn't know what I was in for at 18 and I wound up going to community college. Then nine, 11 happened, that happened. And my testimony beyond that I could write a book one day. I remember the first time home buyer craze under Obama and I remember the mass foreclosures. I remember homes going from 50,000 to 350,000. I am now looking forward to buying a home and living with my 85 year old mother, rebuilding my credit and saving to buy my first home now that my youngest is 8 and my oldest will be 20. A 50 year mortgage would help me. My first home will be in my children's names. It will be a family home that will be available to them as they need it and they can sell it when they agree. The work I do at 44 is for them. Love you guys. Shelley, that's a very interesting one. And I like that mentality. Charlie would love that mentality of like what you are doing is so you can bequeath it to your children and your descendants from there. I do worry that is a mentality not enough people in America have. So they would think like, oh, I only buy a home for my children to one day own it.

[Charlie Kirk]

Yeah. This is actually an interesting question I'd love to ask the audience because I can't tell you how many people I have heard from that make the joke. I'm gonna spend all my inheritance before I die. You know, the kids, you know. But no, but it's like a common boomerism. It's bad, but it's no boomers. I've heard Xers. I've heard people say I'm just gonna spend it all.

[Blake Neff]

It's the, it's the.

[Charlie Kirk]

Can't take it with you.

[Blake Neff]

Well, to use a slightly thing, you know, it's the f you got mine mentality that a lot of people.

[Charlie Kirk]

But it also is kind of like a funny joke. I'd love to hear from the boomers in the audience if, like, if you guys kind of understand that or if you disagree with it, I think so here's a boom. Oh, go ahead.

[Blake Neff]

Well, I think, I think what I would critique with these sort of, you know, that attitude is it's sort of this attitude of wealth as just like a consumption good and you know, oh well, I can use it, I worked for it. So I can use it to buy cruises or whatever. But really like what wealth above everything else, it's security and it's time. Like you can buy the ability to like save time on things and to not care about bequeathing that to your descendants, to like make their lives like not as difficult as yours is is very misguided in my opinion. It's not that you have to leave them everything, it's not that you, they own what you worked for, but it's a mentality I have a hard time with. And I want to flag this one quick where, just real quick, RC says I am a longtime loan officer and you guys, no offense, are a little green, a little naive. And RC says I never sold refinances. They say that the reason, it's a pretty long one. They said they would just Recommend On a 50 year mortgage that people save excess money and they make early payments on their mortgage, which you can do under a lot of loan agreements. And if you're making, RC says if you're making two and a half extra payments a year, so kind of two and a half worth of monthly payments a year, you can shave a 30 year mortgage down to 11 years, which sounds wild to me. And so I imagine that could have an even bigger effect on a 50 year. That would be interesting. But I would also note the reason we have these 50 year proposals is people can't afford the 30 year mortgage. And so. Yeah, how much are they going to be able to save on a 50 year?

[Charlie Kirk]

We got a Mike from Ohio says he's a boomer. He's born in 1946, he's a veteran, father of eight God, grandfather to 22 MV. Yeah, great grandfather to three great grandchildren. This is fantastic. He says he listens to Rav to four to six hours a day. And he loved Charlie. So he says, here's my suggestion to young people. Seek first the kingdom. Get married in your 20s, have a big family, tithe your income first, then live within your means with what's left over. If you are able to buy a home, that's swell. If not, trust in God's word to take care of you and your family. Raise your children in the Lord so they can have a good foundation to change the world for good. When they become adults, tell them to follow Jesus. No matter what circumstances they may find themselves. Christ will take it from there and he will raise up a world of Charlie's.

[Blake Neff]

That is what Charlie would, He would talk about this too, like if you do follow sometimes with Rob Henderson, he called it the success sequence. You know, get married, don't have kids until you're married. You know, finish high school. And I can't remember what's the third part of the success sequence. But basically, if you follow good practices, in the end we face a tough world. It is a tough reality. Yet at the same time, if you follow the very good basic moral principles, you will likely be able to save money and eventually even afford these inflated home prices that we have.

[Charlie Kirk]

Yeah, you have to.

[Blake Neff]

Or if you can't, you'll be able to afford renting.

[Charlie Kirk]

You live within your means is a, is a tried and true old school approach. That's and it's, it's not, it's basics.

[Blake Neff]

Yeah.

[Charlie Kirk]

Just live within your means.

[Blake Neff]

We want homes to be cheaper. We're fighting for that.

[Charlie Kirk]

Yeah.

[Blake Neff]

But you have to recognize sometimes the world is not as accommodating as we'd like. You have to work for that.

[Charlie Kirk]

Ryan James Gardesky and Julie Kelly now too. Don't go anywhere. We will be right back.

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[Terrence Bates]

Welcome back to this Real America's Voice news break. I'm Terrence Bates. Americans are facing enormous financial pressures right now. Credit card debt in this country has surged past $1 trillion in interest rates. While unfortunately they're some of the highest that we've ever seen. Families who work really hard, pay taxes, do everything right, are feeling themselves drowning in monthly payments that they just can't seem to escape. The good news is there's hope and there's help available. Joining me right now to talk more about real solutions is Melanie Pecor she is a consumer finance advocate with Iconic Debt Relief. Melanie, good to see you.

[Melanie Pecor]

Yes, thank you so much for having me, Terrence.

[Terrence Bates]

So we talked about credit card debt. Right now the average APR is between 21 and 24%. A lot of people are paying even higher rates than that. The big question though is, are the Fed's recent interest rate cuts enough to help people begin to regain control of their financial situation?

[Melanie Pecor]

You know, what we're seeing right now, Terrence, is truly. No, it's not, you know, the federal interest rate or the Federal Reserve has lowered the interest rates, but they're not really passing those on to consumers. Right. They haven't lowered interest rates right now, like you said, it's anywhere from 21 to 24% on average, oftentimes even higher. So because of that, and then we've got inflation, we've got groceries higher, housing higher, childcare higher. Everything is just higher. So we're just seeing so many hardworking families just rely on their credit cards so heavily for even just the basics. So I would say the answer to that is no, we're not seeing a relief yet right now.

[Terrence Bates]

And that's where Iconic Debt Relief can come in. Tell us a little bit about the company and the sorts of services it offers.

[Melanie Pecor]

That's a very great question. Iconic truly helps consumers understand your options. We will enroll you, if it fits with legitimate structured debt relief programs that really aim to lower your monthly payments. Because that's where we need the break. Right? We can work as hard as possible, but things just continue to pile up and really help stop that constant feeling of financial pressure. We are not a bank, we are not a collection agency. We are truly advocates for you as the consumer to again, help you stop the bleeding. In essence, we'll walk you through the process, simple terms. We'll educate you throughout the different relief programs that make sense for your family and help you along that journey.

[Terrence Bates]

There are probably some of our viewers who are hearing this and saying, yeah, I've heard this song and dance before, specifically because there are so many debt related companies out there. But what makes Iconic different?

[Melanie Pecor]

Great question again, as usual. Yes, there are definitely a lot out there and I can understand that concern. But I would say there's a few different things that will set us apart. So number one is going to be transparency. We will absolutely explain everything very clearly from the get go. I would say number two is no pressure, zero pressure whatsoever. You, as the consumer is in control. The biggest thing is we are here to educate you, make sure you understand your options. See the light at the end of the tunnel, should there be, and not pressure you. Okay. And of course, human connection. We treat every single person like a human being, like family, with empathy, no judgment. You're not a number. You are a human being with a real story. And that is so important to us. And then of course, number four is long term support. We don't disappear when we enroll you into the right program. We are here with you throughout the entire journey.

[Terrence Bates]

So how does one start that journey? Every journey starts with one step. So what's the first step?

[Melanie Pecor]

First and foremost, do not feel ashamed. Put that aside. The economy has made this hard for so many millions and millions of responsible families. And second thing would be don't wait at all. Every single day that you wait, every single month that you wait, your interest is piling on top of more interest. You're throwing money out the window towards that interest, not towards your debt. Especially with the interest rates as they are today. Reach out. Give us a call. It's a phone call that could essentially change your future.

[Terrence Bates]

All right, and all that information is there at the bottom of your screen, ladies and gentlemen. You see the number to call, also the website where you can go log on. Plus there's that QR code that you can scan right now to get more information and at least to take that first step towards your journey of financial freedom. Again, all the information there at the bottom of your screen. Well, that's going to do it for us here on Real America's Voice. We appreciate you being here with us. We're going to take a quick break and then get you back to your regularly scheduled programming.

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[Charlie Kirk]

All right, welcome back to the Charlie Kirk Show. I'm Andrew Colvin, executive producer of this show. Hour two is kicking off now. We have a great guest for this. Going to help make some sense of the insanity of shutdowns and so much more. And that is Ryan James Gardusky. He's the host of a numbers game podcast and he is also in charge of 1776 project pack. Ryan James Gardesky, welcome to the show.

[Ryan James Gardusky]

Thank you for having me on, Andrew.

[Charlie Kirk]

Yeah. Great to see you. We also have Blake Neff here. I want to open this up to a larger conversation, but let's start with this shutdown fight. I mean, this is. Okay, so there was a vote last night, and then all hell breaks loose in the Democrat caucus. They're freaking out because they feel like they had all this momentum in New Jersey, Virginia. And I want to get into New Jersey. You have a contrarian take on New Jersey that I want the audience to hear about. But so they think they've got the momentum. So why concede any points? Why give in? Why open the government back up? Which just strikes me as highly, highly cynical on a thousand different levels. What are you making of this? Make sense of it for our audience, please.

[Ryan James Gardusky]

Well, I think, I think in part they didn't want to do this before the elections. Right. I think that they wanted to keep the government shut down before the elections. I think that it helped juice their voter base for sure. Then I think that also when it comes to why did they go along with this shutdown is because people are really suffering. I mean, it is. I mean, the fights were being canceled. People do need. People who are on food stamps do need food stamps. There were actual. And those are his. Their constituents. Those are their voter base. So why wouldn't they do something for their voter base? And I think they got the vote on health care. They're going to get. Who knows how it's going to go. It's a promissory vote, but then they have to refund the government again in January. So it's not like it's like a, you know, they lost the fight for a million years. They get the fight again in two months. And I think that they'll get the health care vote and then they'll have the conversation with. But ultimately a large portion of the Senate Democrats are centrists, I guess, is that they're insight. They are not. They're not. They're not part of the far left, which is why you see the far Left on social media crying all day today.

[Charlie Kirk]

Yeah. I mean it strikes me though is that there was essentially a calculation by a lot of these far left members of the caucus, even in the media. And you see this, Sunny Hostin is basically saying, hey, we want Schumer out. He's out. We want to replace Schumer. You're essentially. It feels almost like they're snatching defeat from the jaws of victory here because they were winning the messaging war. They had convinced a large percentage of at least their electorate, but maybe some squishy middle that we were just wanting to starve little kids and take healthcare away from Americans. They were sort of winning on that. And now their freakout over reopening the government. Cuz they never were, they were never gonna have the votes, Ryan. They were never going to get there. The caucus, the Republican caucus was staying firm on these ACA subsidies. So essentially they were doing it for optics. But it's like the point is it's the most cynical reaction to it. And I think their reaction is giving Trump and the Republicans the upper hand here.

[Ryan James Gardusky]

Well, go back to when the shutdown starts. What was the number one story going on in the political media? Aoc potentially to challenge Schumer and he needed to seem like he was a fighter. This is what the fight was over. It was over Schumer's political career and Schumer's political future. And I think that was a big part of it. I think Schumer really. And that's why Schumer voted against it. Schumer would never usually vote against the government spending bill. He usually always votes for this. It's to show that Schumer still is tough and Schumer should not be primaried and they're all going to come after him. Ro Khan has already come after him, as you said, Sunny Haas and there's other people on the left saying Schumer has to go. And I think that that's really the tragedy of Schumer's life. He's spent his entire life trying to get to this point and the most I think he ever had is 51 Democratic senators to really do nothing with.

[Charlie Kirk]

Yeah, it is. All right, so let's go back to this 50 year mortgage debate and kind of this Gen Z economic moonshot idea we've got. We actually talked about an hour one and I mean we got inundated by emails across generations about what they thought of it. I'll be, I'll be honest, I think Blake, you would agree it was more positive than we were expecting. People are actually a little bit more positive on this idea, at least in our audience, than what you would see on like Twitter X discussion. Blake I don't know.

[Blake Neff]

I was definitely expecting more negativity on it and then I got a lot of people who said they liked the idea.

[Charlie Kirk]

Yeah, they basically are seeing in a very pragmatic way how people could use this, use it to get into the market to the first place and then refinance or use it to trade up to a home. So people are used, seeing flexibility, they're seeing opportunity. Being pragmatists about it. Our original take this morning was that it reeks of debt slavery. It's not, it's not addressing the underlying root causes. It's just sort of like covering over them, papering over them. Ryan James Graduski, make sense of that for us. What's your take?

[Ryan James Gardusky]

Yeah, I kind of agree that it's an entrance to the marketplace. I, I'm not, I don't hate it because it's not like you have to do it right. You're not forced to say you could still do a 30 year loan. It's not like they're getting rid of the 30 year loan. And I think for a lot of people is that try to get in for lower rates and then readjust over time. But, but the American public is extremely fickle. We only, we want, we want solutions to take care of itself within six months. I mean it's almost like we almost have like a sitcom show brain. Like the whole episode has to have a happy ending within 28 minutes. Otherwise we don't really want to be part of it. So, so we would like a very short term answer to this. And the problem is the root cause of our economy. The real stressors of it right now for everyday people. It's been happening for at least the five years, at least since COVID A lot of these problems have been taking place. If you want to talk about the deficit and talk about other things that's going on way longer. Right. Trading balances way way longer. But right now the insustainability of life for working class people and especially for Gen Z has been going on for five years. You can't fix the whole thing in the nine months that Trump has been president. Right. And I know at times it doesn't seem like he's been paying attention to it because he's been other high profile things, the wars in the Middle east and trying to solve Ukraine and other stuff. But I think that given what is the Problem. Right. For the everyday life. It's a question of how do I make it better in the immediate. And that's a good answer. It's a Band Aid. It's not the full solution, but I don't hate it.

[Charlie Kirk]

All right, so I'm going to say a provocative statement, and I want both of you to react to it. I'm not saying I agree with this. I'm saying this is a critique that has been leveled against this administration, and I've heard it from both sides. Actually, I had a conversation this morning from somebody on the left that alleged this, which doesn't surprise me, but hearing it over the weekend from the right, President Trump's economic populism is fake. Prove me wrong. Do you guys agree or do you disagree? Blake, you can go first, because Ryan's thinking right now. I can see him.

[Blake Neff]

I mean, he's definitely done some pretty populous things. I mean, the tariffs are a populist measure, clearly. Like, he's done them for a populist objective to bring manufacturing back to America. And I mean, even the 50 year mortgage, this is intended as a populous thing and it might be more popular than I expected.

[Charlie Kirk]

We're talking about the $2,000 tariff.

[Blake Neff]

The $2,000 tariff that I don't like. That is.

[Charlie Kirk]

That's your cup of tea.

[Blake Neff]

It's not my cup of tea.

[Charlie Kirk]

You'd rather pay down debts?

[Senator Markwayne Mullin]

I would.

[Blake Neff]

I'd rather not take it. And it feels like, I almost suspect some of it is he's trying to, you know, maybe politically pressure the Supreme Court because he can be like, well, I'd have to take $2,000 back from everyone if the tariffs get repealed. And it's also just, we saw during COVID we had a lot of stimulus payments during COVID and it just drove an inflationary spike.

[Charlie Kirk]

Get me those stimmies.

[Blake Neff]

Yeah, the stimmies.

[Charlie Kirk]

Give me those stimmies.

[Blake Neff]

Like, you know, it's sort of like, oh, give me one more hit of.

[Charlie Kirk]

Of cocaine or something.

[Senator Markwayne Mullin]

It's.

[Blake Neff]

In the end, we are addicted to cheap money. And the cure for that is not more cheap money. But coming down from that, this is what the hard point of a lot of populism is. It is painful to make good economic decisions long term. It is very healthy. But especially because of how addicted America's gotten to our current pattern, it will be hard to break that pattern and possibly even politically impossible. That's really tough.

[Charlie Kirk]

One minute. Ryan James, graduate.

[Ryan James Gardusky]

I think that it has been a mixed bag, right? American, right. The American right is. Is obsessed with free market capitalism. And so he's sticking to things like the tax cuts on the wealthy that I don't think. I think if he would have gotten rid of those, that it would have been much more populous. But I think that at the same exact time he has done, he is, he's inarguably done populist things. I think that, I think it's a mixed bag. It's hard to sit there and say he's only done one or only done the other. He has to work within the Congress. He has to work with in the Senate. I know that I went to Capitol Hill right before the tax cut votes were coming up, and I said, here's a poll that I've done with some very smart people. Least popular thing were tax cuts for millionaires. Most popular thing, no tax on Social Security, no tax on tips. They really did not like that answer. So I think that given.

[Charlie Kirk]

Say that again. What was.

[Ryan James Gardusky]

I went. But the most popular thing was no tax on tips, no tax on Social Security. Overwhelmingly by voters, least popular tax cuts for millionaires. I brought that to the Republicans in Congress in the committee and they were not really feeling that information.

[Charlie Kirk]

All right, we're going to continue on with Ryan James Garduski. In just one second, I'm going to tell you about one of our partners on the show, and that is Good Ranchers, one of my favorite, favorite products in the world because I love barbecuing. All Good ranchers meat is 100% American, raised on local farms and ranches and delivered right to your door. And the quality is just genuinely, genuinely, truly incredible. I'm a subscriber and the benefits are amazing. You get $25 off every box, free shipping, and a free gift in every order for life. I've gotten their chicken wings or chicken thighs, bacon, Italian sausage, and guess what? You get to switch out your free gift each month to try something new. See if you want to add that to your future orders. And if you're worried about committing to a subscription, don't be. You can pause, delay or cancel if you're traveling or just busy. Super simple doesn't lock you in. Holidays are right around the corner, so order by December 1st. Use the code Kirk to get an extra $100 off your first three orders. That is their best offer ever. So go to good ranchers.com good ranchers.com we'll be right back.

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[Charlie Kirk]

We will not comply. You're listening to the Sound of Freedom. It's the Charlie Kirk show. You know sometimes when you're talking about ad partners and this sometimes it's a little out of, out of step with the theme of the show. And like today it's completely spot on. And that's with why Refi. We're talking about affordability, especially when it comes to Gen Z. How do we focus our domestic energy policy energy on making life more affordable for Gen Z and why Refi does just that? Basically, if you have private student loans, which There are about $45 billion worth of these in the country and if they are labeled as distressed or defaulted and nobody's helping you out, nobody, you can't make your payment. This is what you need to do. You need to go to why refi.com that's whyrefy.com or call 888-Y-REFI 34. Give them a chance to help lower your monthly payments to fit inside a budget that you can afford. Doesn't matter what your credit is, doesn't matter who your co borrowers are, they'll even let you skip a payment every six months up to 12 times without penalty. Who does that? I don't know who does that. They'll tailor it to your budget. That's the key. You're not going to call some nameless faceless call center in India like Grant. They're going to work with you, come up with a plan. You got to take control of your financial destiny and situation. So again, that is whyrefi.com or 888 yrefi34. Ryan James Gusky joins us again in just three seconds. All right, welcome back to the Charlie Kirk Show. I'm Andrew Colvitt, executive producer of this fine show with Blake Neff, as well as Ryan James Graduski. Ryan, real quick, give us your coordinates here. Where can people follow you find the work that you're doing?

[Ryan James Gardusky]

Yeah, you can find me on Twitter, Ryan Gardusky. I have a website, ryangerusky.com where you can get my great newsletter. I have a podcast in the iHeartRadio app. And everywhere you get podcasts called the Numbers Game. And I have a pack for education called the 1776 Project Pack. And we have a foundation called the 1776 Project Foundation.

[Charlie Kirk]

What are you doing at the pack there? Just so people.

[Ryan James Gardusky]

We invest in school board elections. So we did about 80 school board elections last week. We didn't do Great night, but we still won 27 of them. And then the foundation gets involved with those school boards to sit there and say, how do we improve reading levels? How do we get involved with discipline? How do we get rid of some critical race theory in your classrooms? How do we celebrate America's. Yeah, stuff like that.

[Charlie Kirk]

So super important. That matters a lot.

[Blake Neff]

I was reading just over the weekend about someone in a really conservative part of the country, but they just said the school board is like all kind of just libs because people don't pay attention to it. And it was like one guy blocking all the, you know, insane race communism and he lost reelection.

[Terrence Bates]

So.

[Charlie Kirk]

Geez. So that school board's now screwed again. So actually this is how to apply for an endorsement. Yeah, exactly. So check out Ryan's stuff. He's doing great work. And I read your national populist substack all the time, your newsletter.

[Ryan James Gardusky]

I appreciate that.

[Charlie Kirk]

Yeah, absolutely. And by the way, which is why I was. Why we actually had you on here is you had a contrarian take on New Jersey. It all ties in because Dems were playing the shutdown to juice up their bases, voters especially. And it was smart because this is an off year election. Our turnout, we have low prop voters, they have high prop voters. You juice it. This is why we saw some of these margins increase over 20, 21 years. You say there's a glass half full interpretation of what we saw in New Jersey specifically. I'm sure you could extrapolate that out. But what, what is your take?

[Ryan James Gardusky]

Yeah, so unlike Virginia, where Winston Sears really didn't run a very good race, Chitterelli did run a very good race. He got 200,000 more votes or 122,000 more votes than he did last time. That being said, he would have won any election in New Jersey's history since 1973, except for the one last week because turnout increased by more than 50%. But when you look at the very bare bones, you know, metrics of where New Jersey is going, it's undeniably going in favor of Republicans. And I put this out. In the first year of the Trump administration in 2017, Democrats were out registered new voters in New Jersey, 12,500 to Republicans. Republicans register about 12,500. Democrats raised about 45,000. There was an immense blowback from Trump's when Trump first got in, tens of thousands of new Democrats coming out of the woodwork, hundreds of thousands of new Democrats over the course of the four years. In the first year of this year, that all began to reverse when Biden became president. By the way, in the first year of this year, Democrats lost 8,600 voters in the first 10 months of this year, while Republicans gained 21,000 new voters. Right. An unparalleled trajectory completely different than when Trump first became president. That shows that where the direction, where the trajectory of Jersey is going is undeniable. Even though we had an election loss, even though Independence swung against us this one time, people would much rather be a Republican than a Democrat. And there's a point of clarity in New Jersey that the Democratic Party really isn't working there. Now we've heard a lot about like the Latino vote, right? The Latino vote swung heavily. When you look at how the Latino vote compared voted in 2025 versus 2021 and 2017, they're still way more to the right than they were in 2017. Right. They haven't lost all this huge support that we're going for Republicans in some places, it's a double digit increase. When you look at Republican versus Democrat increase in the raw vote, Republicans in many cities, like there was more raw vote increase towards Republicans over the last eight years than there were towards Democrats. And actually when you, when the liberals like, oh, it's all immigration. When you look at what voters are talking about, it was cost of living. Because you know, what group swung even harder against Republicans than Latinos in this last election from compared to 2020, 21, it was non college educated whites. Non college educated whites actually had a bigger swing because it's about affordability and they are feeling it, you know, in the pocketbook. So, so it wasn't an immigration thing, it's not a Trump thing. It's just, it's a mixture of high propensity turn up from Democrats and anger over the economy.

[Charlie Kirk]

So would you say that? And by the way, I'm glad you brought up Latinos because one of the things Blake and I have talked a lot about is, you know, these new maps out of Texas, a lot of that is contingent on Hispanics staying in the Republican column. You could over engineer those maps and find yourself in a worse position, theoretically. So, yeah. Hope, are you seeing, are you seeing that trend continue? Is it accelerating what's happening with Latinos? And I know I'm talking about Texas and New Jersey. It's probably two different things, but we got 30 seconds.

[Senator Markwayne Mullin]

Yeah.

[Ryan James Gardusky]

Well, there was a poll by Unados, which is not a great polling firm. They're pretty liberal. However, they polled Latinos and they said, what are your five biggest issues? Four were related to the economy, cost of living, health care, housing, and the fifth one was gun violence. Immigration does not make the top five. And when you look at where they project Hispanics to go versus where they went, it's about maybe a five point swing in the direction of Democrats. But it's not overwhelming and it's not pre 2022 swing towards Republicans, 2020 swing to Republican.

[Charlie Kirk]

Do you think that holds for Texas, too? Real quick?

[Ryan James Gardusky]

Yes, I don't.

[Charlie Kirk]

Good. All right.

[Ryan James Gardusky]

Sahanas are more to the right than Latinos are.

[Charlie Kirk]

Ryan. James Graduski, great work, my friend. Thank you for making the time today. I know you had to move some stuff.

[Ryan James Gardusky]

Thank you for having me.

[Charlie Kirk]

Thank you so much. All right, Julie Kelly joins us. Next. We're gonna talk pipe bomb. Some news over the weekend.

[Blake Neff]

January 6th. It's back.

[Charlie Kirk]

It's back.

[Terrence Bates]

Welcome back to this Real America's Voice News. Welcome to News Break. I'm Terrence Bates. A group of Senate Democrats split with Senate Minority Leader Chuck Schumer on Sunday night and joined the Republican majority in voting to move forward with temporarily reopening the federal government. The move comes after Senate Majority Leader John Thune told his colleagues they would stay in session until the government reopens. At the moment, the longest government shutdown in US History continues, though. But this deal would fund the government for several weeks and guarantee a December vote on extending expiring Affordable Care act tax credits, which is what Democrats have been holding out for. Under the proposal, federal workers would also receive back pay. Mass firings of federal workers during the shutdown would also be reversed. Seven Democrats and an independent voted with Republicans on Sunday, meaning that more votes are expected this week. Members of the US House have been put on notice to prepare to return to Washington in the coming days in order to pass the proposals and get them on President Trump's desk. President Trump, by the way, is chiming in saying, quote, it looks like they're getting close to the shutdown ending. While the government shutdown could come to an end as soon as today, well, probably not. But today does mark another day of expected major flight delays and cancellations due to air traffic control or staffing concerns. On Sunday, airlines canceled more than 2,700 flights and delayed more than 10,000 more. Those numbers mark the worst day at the nation's airport since the shutdown began and come as a result of FAA mandated flight cuts meant to keep air traffic safe. Delta Air Lines was hit especially hard as the airline reportedly canceled or delayed more than half of its flights on Sunday. The FAA's flight reduction started at 4.4percent on Friday and are set to increase to 6% tomorrow before hitting the 10% goal at the end of this week. Meantime, 13,000 air traffic controllers and 50,000 TSA agents are being forced to work without pay during the ongoing government shutdown. And it looks like the 42 million Americans who depend on SNAP food benefits will get food that they need leading up to the Thanksgiving holiday. Late Sunday, a Boston based court of appeals upheld a lower court ruling out of Rhode island ordering the Trump administration to fully fund this month's food aid benefits. That's a quick check of your headlines. I'm Terrence Bates.

[Charlie Kirk]

The next great awakening is here. Welcome back to the Charlie Kirk show. All right. Welcome back to the Charlie Kirk Show. I'm really excited about this. We have the great Julie Kelly from Declassified Live substack. But really quickly, I want to tell you about Patriot Mobile. I realize there are many choices when it comes to who you choose for your cell phone service and there are new ones popping up all of the time. But here's the truth. And I know this because I know them personally and I've seen the way that they operate and the way they interact with people. And that is that there is only Patriot Mobile. When it comes to who you can trust has your back and who shares your values. Patriot Mobile is the only Christian conservative wireless provider that's out there. For more than 12 years, Patriot Mobile has been on the front lines fighting for our God given rights and freedoms while also providing exceptional nationwide cell phone service with access to all three of the main networks. Or like I do, I have access to two on one phone with the dual sim. So don't just take my word for it. Ask the hundreds of thousands of Americans who have made the switch and are now supporting causes they believe in simply by joining Patriot Mobile. Switching easier than ever. Activate in just minutes. Keep your number, keep your phone or upgrade Patriot Mobile. All US based support team is standing by to take care of you. Call 972 Patriot today or go to patriotmobile.com Charlie use promo code Charlie for a free month of service. That's Patriot mobile.com Charlie or call 972 Patriot. Make the switch today. Julie Kelly is with us. The great Julie Kelly. Welcome back to the show. Julie. I think this is the first time we've had you since all of everything went down. So welcome back. It's been too long.

[Julie Kelly]

It has been. Andrew, thank you so much for having me on. And I know we're going to talk about some issues that were near and dear to Charlie's heart and that he and I discussed several times over the last few years. So thanks so much for having me on.

[Charlie Kirk]

Yeah, absolutely. And you know, we talked about this over the weekend and, and it's true. I mean I think about all the times we had Darren Beatty on and you on talking about who did this. Like, you know, it's, if you think back on the stakes of the J6 pipe bomber, I mean if, if we're to believe what we're told is like Kamala Harris almost got, you know, murdered and then like nobody in the government seemed to care. So it is a very, very weird.

[Blake Neff]

We heard so much about January six and yet so rarely would they mention like, oh, the attempted assassination of the vice president or like this terrorist bombing that was at the center of it.

[Charlie Kirk]

So, so there was some news this weekend, Julia. I'm, I approach it with, with fear and trembling because there's a lot of moving pieces here and a lot of allegations being thrown around. So, so please set a stage, tell our audience what happened this weekend and then we'll get into whether we should believe it or not.

[Julie Kelly]

So first of all, as you guys know and Charlie knows, knew that I have been covering the pipe bomb, January six pipe bomb issue really since the summer of 2021. And no one did more work on this really than Darren Beatty at Revolver News. He's now in the administration. I really miss him at times like this because he always he pegged and he exposed so many strange circumstances with both the dnc. That is where the pipe bomb was found outside of the headquarters of the Democratic national committee at about 105 on the afternoon of January 6, 2021. You could see police officer vehicles right there, including One belonging to the U.S. secret Service. Because to your point, we also uncovered the fact that strangely, Kamala Harris, who was a sitting US Senator at the time, she was going to be part of the proceedings that day. Also historic incoming vice president, for inexplicable reasons, went to the DNC headquarters at around 11:25 that morning. She was there when this really dummy device was found outside just to the right of where that black SUV is. And then also we have covered the equally strange circumstances about the discovery of the device outside of the Republican National Committee headquarters that was detected at about 12:40pm 20 minutes before that joint session of Congress convened. So anyway, we have been exposing all of this, Kamala Harris's presence, the law enforcement ties of the woman who discovered the RNC pipe bomb. I found the video that showed bomb sniffing canine units not once but twice right near the DNC device. So look, few people want to know the identity of the person or people who set those devices, but what we saw happen over the weekend was a. And there is, you could see law enforcement after the alleged device was found. And as you guys know, it was right in between those two benches under that Bush. So at any rate, few people want to know the identity more than I do or Darren Beatty or the people have really done so much work on this. But over the weekend, a really bombshell, sorry for the pun, story on the Blaze claiming that a gait analysis had determined the identity of an individual who had similar walking patterns as this individual here, seen on surveillance video the night of January 5th, which is when the FBI thinks that both of those devices were planted. So this has been. Yes, I'm, I'm not going to say her name, but she was a Capitol police officer on January 6. She was using non lethal munitions against the crowd, firing pepper balls into the crowd as many Capitol Police officers were doing. And apparently looking at that video, Steve Baker, who's one of the reporters on this story, thought that her walking patterns mirrored the one on the individual on January 5th who still has not been identified. And the so called gait analysis, apparently some software determined that the match was around 94% certainty. So I a lot of skepticism about that story. We can talk about it. But this, as you know, you guys, this took over the Internet over the weekend and it's still getting a lot of coverage and attention.

[Blake Neff]

There's other circumstantial evidence they, they claim, right. Like she did leave the Capitol Police shortly after. Like they're offering other. Certainly not. It's certainly not proof 100% by itself. But they do have more than just gait analysis, literally just a AI analyzing how they walk, I guess.

[Charlie Kirk]

Yeah, well, and it is interesting to note that she did leave the Capitol Police, like pretty shortly thereafter.

[Blake Neff]

And it's like she left and there's like a lot of quiet like they claim, you know, it's all very quiet.

[Charlie Kirk]

But yeah, but I'm not like, I'm not in a position and Julie, I'd love your feedback on this. I, I, I'm not in a position where I even want to name the person because, you know, if allegations like this are wrong, it's deeply unfair to the person being named and having their reputation sullied basically for. We're not sure, right? We're not sure. But it is a giant mystery. And I think there's two sort of stories going on here at the same time. One is this analysis that Steve Baker did, gait analysis, walking, which is walking analysis. But it's also, it's one of those stories that keeps coming back around because it is so mysterious. Why it wasn't made the hugest story, you know, during January 6th. It should have been at least a top two or top three story that the vice President was almost, you know, murdered along with the rnc. There was one at the RNC as well. And some of it, it just doesn't make any sense because it's this glaring kind of outlier and we can't make sense of it. But we all know that there was funny business going on on J6 and this would be a, a linchpin in the unraveling this narrative that I believe has been sold to us. That doesn't make any sense. There's just too much wrong with it. So what is, there's too much. How relaxed? Yeah. How reliable are we, are we to take this analysis?

[Julie Kelly]

I think it needs to be met with a very heavy dose of skepticism. And I will explain why. But first I want to clarify my position. Number one, I do not believe and have never believed that those devices were set the night of January 5th. Because to believe that you have to believe that neither device was, that both devices went undetected for 17 hours. And which is seems particularly unlikely in the case of the DNC device where not only again, there were two bomb sniffing canine units who were right there, you had law enforcement from the Secret Service, Metro Police, Capitol Police, who were right outside of the DNC headquarters numerous times. And again, that device wasn't really obscured. It was right between those two benches, not to mention pedestrians. And Other dogs and people just walking back and forth. Very strange that that would have sat there for 17 hours undetected. The RNC device also very sketchy. The woman with law enforcement ties now, she told the FBI that there was no way that that device, that the device was not planted before noon on January 6. She said it had to have been planted between noon and 12:40 on January 6th because she went to that area at noon and didn't see the device there. Now, she is kind of a sketchy story. I've reported on her. I've got a couple. Right. So that is where the DNC device you could see see right there allegedly was sitting there for 17 hours and no one spotted it. There's also some video that indicates that maybe there was a plain close police officer who could have said it there around 12:53, 12:55 on January 6th. So I've never doubted that this was an inside job, this was a hoax, it was a stunt and that law enforcement was probably tied to that. So I want to say that very clearly the problem with this report is number one, this analysis and investigation took place in a matter of two weeks. That means that they identified this Capitol Police officer, thought that her walking pattern matched the individual. On January 5, they put some sort of video samples together. In the report in this article on the Blaze, they said that they did not use the FBI video. They used a different sample that was a better quality and speeded up to a normal speed. So we don't even know what the video clip was. Then they also used a video clip of this individual playing soccer. She was a college soccer star and then played, I think, like professional soccer. So they have, they use that as a gait analysis.

[Charlie Kirk]

But, but Julie, you're saying in order to believe this, this report, you would have to believe that the pipe bomb was planted on January 5th. And you're saying that's not even what you think is true because it would have had to sit there for 17 hours. Did they address that in the in their reporting, Julie?

[Julie Kelly]

Steve Baker, they have not.

[Charlie Kirk]

Okay.

[Julie Kelly]

But I do want to make clear, Andrew, this is what the FBI believes as well. They just did another update on that too. They just didn't update on that as well. The problem with this article, we the public should be able to see the video samples that they gate analysis and they all we also should be able to see a copy of the analysis they call forensic evidence. So when you're not including those links or that evidence or material in your article, it definitely should raise questions. About the veracity of it. Furthermore, people who are asking questions and I think these are legit, legit are being attacked. So I'm not really sure what that is about. This could kind of be simply solved by just giving everyone the evidence that they used to determine this was a suspect.

[Charlie Kirk]

Yeah. Please check out Julie's Twitter. It's the it's super important Twitter follower X follower and her substack. Julie, thank you for making the time for us today. I really appreciate it.

[Julie Kelly]

Thanks guys. Talk to you soon.

[Charlie Kirk]

We'll be right back. Letting everyone know. Socialism sucks. The Charlie Kirk Show. All right, welcome back to the Charlie Kirk Show. We are still getting blown up by emails here, no pun with the pipe bomb story, but we're still getting a lot of your emails about the 50 year mortgage. Colleen is worried that we're being swayed by the email from emails from you guys that seem a little bit more positive than we anticipated. Don't worry, Colleen. I still don't think it's a great idea. I still think it papers over the issue. I will say that it could be a tool. It could be a useful tool for people to get in the market. You still get to write off your mortgage. I think you could make it even better candidly. And I want to highlight this Lomaz tweet really quick. But why don't you read some of the other ones while I find that because it was Lomaz has some good ideas.

[Blake Neff]

Yeah, yeah, sure.

[Charlie Kirk]

Jonathan Keeperman who was on the show on Friday. Actually, actually I found it if you want me to.

[Ryan James Gardusky]

Yeah, yeah, go for it.

[Charlie Kirk]

Yeah. So Lomez says and this is image 98 if you want to throw it up. He says back of the Napkin proposal for MAGA home buying policy. Foreign nationals purchase something like 2% of American homes every year, mostly in luxury areas and much of it in cash. This should come with a steep tax such attack is com is common elsewhere Canada etc has a non resident acquisition tax. Use that tax to offset interest payments for first time native born home buyers. States can should add additional property tax rebates for first time home buyers born in their state. Married couples buying for their first home should also receive additional interest rate discount. Listen, I love all the creativity. Some of these probably have negative side effects that we haven't fully fleshed out. But when you, when you say oh you're married, you know you would probably get marriage fraud at that point. But like you already have plenty of that, right? Exactly. I mean Ilhan Omar would be first example. But no, I mean you know, incentivizing good behavior, though, and then. And then disincentivizing foreigners straight up. Banning institutional money from being able to purchase these homes. Private equity is another. Yeah. Is another area of debate.

[Blake Neff]

You have to. You just have to think like, what is our goal here? And it's. As Charlie pointed out, the goal is to create an ownership society where people feel they have a stake in it. And that might mean we need to arrange things with mortgages where it's not an endlessly growing investment vehicle.

[Charlie Kirk]

I'll have you explain that on the other side of this break when we welcome back radio. We're going to be back in two seconds. Don't go anywhere. All right, listen. Charlie built a thriving community through conversation. It's not something that happened overnight. It happens over time, one connection at a time. TikTok offers opportunities for respectful exchange of ideas, and through that, opportunities for community. You'll find creators on TikTok who teach and encourage others. A carpenter passing on his craft. A mom explaining how to make a budget stretch. Or gardener showing us how to bring a backyard back to life. Different stories, same drives. The desire to connect and understand. That's what makes a strong community. A common desire to connect and to find ways forward through respectful dialogue, building trust and feeling heard. Freedom to speak what we know and to hear from each other. That is the power of TikTok. You know, Charlie had billions of views on TikTok ahead of the election and then billions more after the election. Actually, TikTok is a place to speak, to listen, to remind each other of what connection looks look like. Portions of the Charlie Kirk show are sponsored in part by TikTok. It's a new American owners. So, Blake, we have just so many emails. We wanted to make more time in the show to get through them. Go ahead.

[Blake Neff]

Oh, yeah, yeah. Just also I want to apologize because someone said they went to the same high school as Boyz II Men and I am too much of a young person, unlike, you know, our older co hosts.

[Charlie Kirk]

Yeah.

[Blake Neff]

So I thought. I thought boys was like a 90s movie. It is a band. It is a band. I have never listened to.

[Charlie Kirk]

Motown Philly, baby.

[Blake Neff]

Motown Philly. Yeah. Not. This is.

[Charlie Kirk]

We should go out on.

[Blake Neff]

This is beyond my. Ken, I just want to apologize on that before I get dunked on massively by everyone here.

[Charlie Kirk]

Oh, do you have one? Because I got one that defends you.

[Blake Neff]

Yeah, well, I got. We have one where M. Robert says, you guys are insane. Boomer here. You guys are insane. Advising young listeners that a 50 year mortgage is any kind of solution and you should be ashamed of yourselves. I don't believe. I believe we've both been quite skeptical of it.

[Charlie Kirk]

We are extremely skeptical. My idea is build 10 million new homes, deport illegals, lower legal immigration, which is gonna take some doing, lower the regulatory burden to build new homes, and then play with other financial incentives like writing off your entire mortgage up until the age of 35, prioritizing first time home buyers, banning institutional money, banning foreign investors. Or as Lomas suggested, maybe you put, you put a tax on that because they are buyers. I mean, people want to sell their homes. You know, they want to make more money. I get the incentive there. By the way, Williams says, guys, Blake was right about not giving the money away. Like the crazy stupid money blown by Biden, which spiked inflation and has stayed up because of the budget deficit. The tariff money could be put in a sovereign wealth fund and when it gets to a trillion, start to draw from it monthly for government expenses instead of borrowing that amount from the Fed.

[Blake Neff]

Matt, the sad thing is, is that that's something we could have easily done decades ago. And you know, that's what's like Norway, for example. Norway's done that. Norway has a sovereign wealth fund from their oil business. And you know, they're a country of 5,6 million people and it's in the trillions of dollars. So it's actually a quite large amount of money per Norwegian citizen. And America could have. Now we're broke, but America had a long run where we were a very rich country that could have been pumping resources into that. And you know, the sad thing is that I've read about that. Remember when Bush wanted to privatize Social Security in about 2005 and of course it went nowhere. Everyone was like, oh, don't let Wall street get its hands on my Social Security. If we'd done that, it would have been insanely, spectacularly successful. Given what the stock market has done since 2005. Would have just massive. Would have fixed every problem with Social Security.

[Charlie Kirk]

We have now reserve fund that they're. That they're trying to build.

[Blake Neff]

I don't that feel I'd be very worried that, I mean, it's like, okay, if you want to have it as a thing. Yeah, I wouldn't have it as such.

[Charlie Kirk]

As the silver bullet.

[Blake Neff]

It would just. I would worry that that would basically just be. It would feel like a giveaway to people who already have Bitcoin to me. And it's this hugely volatile asset and it's very volatile it's volatile and.

[Charlie Kirk]

But it's, it's probably going to go to a.

[Blake Neff]

And it's an asset that gets like hacked and stuff. And.

[Charlie Kirk]

Yeah, I mean, like, I would like to hope that the, the good people, but you know, that maybe that's hoping for too much competency. Can you imagine if our, our sovereign wealth fund got, you know, you can put them in cold storage and things like that. There's, there's ways you can, you can address that. Can you guys help us? This is from Steve. The difference in approximate 30 to 50 your mortgage payment, it will be lower. Payment would be lower, yeah, but the overall cost of the loan would be much higher.

[Blake Neff]

It would be about looking at its. When I, you know, the AI generated summary when I just asked for a plug in difference, it said if you took a $500,000 loan at a 6.22% interest rate, you would pay 87% more total interest. Instead of $600,000 in interest, it'd be $1.1 million in interest.

[Charlie Kirk]

What would the monthly payment be?

[Blake Neff]

It doesn't say here.

[Charlie Kirk]

It will be much lower. I will tell you. The first home I bought was probably against the rules. Dave Ramsey would have been so mad at me, but I made out like a bandit on it. I did an interest only loan on a home I otherwise couldn't afford, sold it after two and a half years and we did well with it because we bought in a really good neighborhood. So some of this stuff is like, you know, there's a general rule of thumb and then there's reality, you know, I'm not saying I was in the majority, but it worked. What a show that went super fast. We'll see you again tomorrow for Veterans Day. We'll be back. There it is.

[Julie Kelly]

This is an iHeart podcast.