TURNING POINT TONIGHT, WITH JOBOB, NOVEMBER 7TH, 2025

Summary

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Turning Point Tonight with JoBob – November 7, 2025

Host: JoBob (with Producer Glenn, Monica Page reporting)
Podcast: Real America’s Voice / iHeartPodcasts
Release Date: November 8, 2025

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Episode Overview

This episode of Turning Point Tonight dives into modern American frugality and culture, with a signature blend of humor and critical cultural analysis. JoBob and Producer Glenn share personal car-buying experiences to unpack broader financial habits, frugality, and societal pressures around debt. The show then transitions into a spirited discussion about learned money habits versus inherited traits, and closes with an in-depth, original news brief by Monica Page about the Supreme Court's consideration of Trump's tariffs. A sharp critique of Michelle Obama’s media narrative finishes out the substantive content.

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Key Topics and Segment Timestamps

1. Opening & Format Change Preview [01:04–02:25]

• JoBob introduces the show’s special format, featuring exclusive “One Last Point” segments usually only on social media.
• Announces segments will delve into financial decision-making, frugality, and American political culture.

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2. Car-Buying Angst & American Consumer Culture [02:25–10:44]

Main Points:

• JoBob humorously shares his recent experience purchasing a (used) car.
• Explains why he and his wife save to pay cash and why dealerships resist cash sales.
• Illuminates the sales pressure, dubious add-ons, and dealership reluctance when buyers don't finance.
• Connects the frustration to broader cultural acceptance of “salesmanship at best, lying at worst.”

Notable Quotes:

• “The process of buying a car ... is unbelievably nerve wracking. …The fact that we want to pay cash… is not a flex… my wife and I are very, very frugal.” – JoBob [03:00–03:30]
• “Dealerships make their money by selling you loans, not necessarily high interest loans … the process after you tell them you would like to buy in cash is very difficult.” – JoBob [05:45]
• “At the end of the day… what is it about a society that allows for the amount of salesmanship at best, lying at worst… that is a normal part?” – JoBob [09:20]

Memorable Moment:

• JoBob’s reflection on moving “up” from a 10-year-old car to a 5-year-old car (the family’s idea of “new”).
• The tension with the dealer over refusing unnecessary fees and the insistence on paying in cash.

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3. The Culture of Debt: Payments vs. True Cost [12:32–18:54]

Main Points:

• Producer Glenn joins to validate the universality (and pain) of car-buying games, emphasizing the “scam-like” nature of changing prices based on payment type.
• Discussion of how American society culturally normalizes monthly payments, sometimes disregarding actual long-term costs.
• JoBob provides the example of a friend with a 12–14% auto loan APR, questioning the rationality and cultural roots of such decisions.

Notable Quotes:

• “The price did change … depending on how you pay, which was very frustrating.” – Glenn [12:50]
• “Culturally we've decided that we're just all okay with paying several hundred dollars a month or more for a car because we don't factor in the true cost of it.” – JoBob [15:18]

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4. Frugality: Nature vs. Nurture? [24:19–38:13]

Main Points:

• JoBob frames the question: Is frugality an inherited trait or learned behavior?
• Summarizes studies indicating only 20–30% heritability; most frugality is learned through environment, upbringing, and experience.
• Both hosts share family stories—Glenn’s frugal brother, JoBob’s immigrant grandparents—unpacking how money habits formed.
• They emphasize the importance of conscious financial choices despite cultural pressures.

Notable Quotes:

• “I still have the first dollar I was ever given.” – JoBob [22:02]
• “A quarter of you is inherited… the rest is learned. To me, that's good news.” – JoBob [28:50]
• “As soon as I got a job, I had spending money. I didn’t have saving money.” – Glenn [31:45]

Memorable Moment:

• JoBob humorously describes his grandma picking up money from the floor at a family party (“immigrant grandparents are as far frugal as frugality gets!”) [29:30]

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5. Grace in Politics: Media Treatment of Obama vs. Trump [39:57–51:01]

Main Points:

• JoBob reacts to Michelle Obama’s comments on Good Morning America asserting the Obamas didn’t get a media “grace period,” unlike others.
• Strongly argues Obama received more media leniency than any other president—contrasting with Trump, who faced hostility from day one.
• Producer Glenn cites Eric Trump’s book, noting media called for impeachment 17 minutes after Trump’s inauguration.
• Hosts challenge the framing of media bias as racially motivated, suggesting the opposite is more often true in U.S. politics.

Notable Quotes:

• “[Michelle Obama] says something so ubiquitously untrue it kind of makes you think… oh my gosh… If you actually believe this, Michelle, I could see why you think the country is the way that it is.” – JoBob [41:39]
• “Obama got so much grace, and probably more so than any president in my lifetime.” – Glenn [48:49]
• “[If Trump had any ‘grace period’] it was about 17 minutes… before [media] wrote now's the time to impeach.” – Glenn [47:53]

Memorable Moment:

• Satirical banter about “privilege meetings” (chips and salsa based on privilege “proportion”) as the hosts skewer the racial narrative [50:53].

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6. Supreme Court Takes Up Trump Tariffs – Monica Page Report [53:46–58:06]

Main Points:

• Monica Page reports live from the Supreme Court as it hears oral arguments on the legality of Trump’s broad tariffs.
• Explains Trump’s use of the 1977 IEEPA to justify tariffs and the legal pushback from states and small businesses.
• Details positive economic impacts cited by the Trump administration—trade deficit cuts, fentanyl crisis alleviation through pressure on China, potential rebate to taxpayers.
• Lays out high stakes: a ruling against Trump may force government to refund billions and require alternative strategies.

Notable Quotes:

• “The Supreme Court’s ruling will either cement or gut one of the boldest executive trade gambles in history.” – Monica Page [57:48]

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Notable Quotes (With Timestamps)

• “[Buying a car]… is unbelievably nerve wracking. …my wife and I are very, very frugal.” – JoBob [03:10]
• “Culturally we've decided that we're just all okay with paying several hundred dollars a month or more for a car…” – JoBob [15:18]
• “A quarter of you is inherited… 75% can be taught.” – JoBob [28:50]
• “Obama got so much grace, and probably more so than any president in my lifetime.” – Glenn [48:49]
• “The Supreme Court’s ruling will either cement or gut one of the boldest executive trade gambles in history.” – Monica Page [57:48]

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Tone & Style

• Conversational, irreverent, and critical—with self-deprecating humor and direct audience engagement.
• Strong skepticism of media narratives, overt focus on personal responsibility and American values.
• Willingness to explore both sides of issues—even if ultimately landing on a clear, if partisan, stance.

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Conclusion

This episode showcases “Turning Point Tonight’s” blend of relatable personal stories, sharp political analysis, and direct commentary on culture and media, all delivered in a frank and humorous tone. Discussions about money, debt, and consumer habits are framed as windows into broader societal values, while political topics are approached with a fierce challenge to mainstream narratives. The Supreme Court tariff segment by Monica Page adds original reporting and topical heft, rounding out a wide-ranging, thought-provoking episode for the Real America’s Voice audience.

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Transcript

[Announcer]

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[Joe]

Gaines Super Flings are here to take your laundry to the next level. Talking about Gain Super Flings Super Sized Laundry packs. These things are huge. Super Fresh Super Clean Gain Super Flings Gain Super Flings Laundry packs have four times the Oxy Cleaning Power and three times the Febreze Freshness versus Gain Original Liquids Super Fresh Super Clean Gain Super Flings Super Flings for Next Level Laundry Good evening and welcome to Turning Point Tonight where together we are charting the course of America's cultural comeback. Generally speaking through the mockery of terrible lib ideas. We appreciate you tuning in on this Friday. Hope you had a wonderful week and are headed into a fantastic weekend. I am actually in Miami. We're recording this in the past, which means you're watching this in the future. I don't know why I did that. There was no reason for me to do that. We've talked specifically on this show about an extra segment that we do each and every day that is exclusive to our YouTube channel, the Turning Point Tonight YouTube channel. Also on Facebook, also on Rumble. All of the social media platforms that you have, we've talked about that frequently and because we're in Miami this evening, would like to give you a taste of what those look like. So this show, among other things that'll be aired here, there might be a little bit of this, a little bit of that, but also some, some segments specifically that are only online before now, you haven't seen them because like I said, they're on the social media platforms exclusively where you have to go subscribe to the Turning Point Tonight YouTube channel or the Facebook page, or the Rumble page, or the X account or the Instagram. All of the different places. That's only where this has existed until now. So here is a sneak peek at what you're missing. In case you're not subscribed, which I can't imagine why anyone wouldn't be. But in case in the rare chance that you are not, you haven't seen this footage yet, here's what we're talking about when we talk about what the one last point segment is in addition every single day to the show you see here. Unreal America's Voice. Watch and enjoy and we will see you Monday. God bless America. We bought a new car. And while I'm very excited about the car itself, I hated the entire process of it. This is one last point. You know how when you buy a car, first of all, I'm assuming that everybody has bought a car at some point. If you're watching this, chances are you don't live in New York where, like I'm carless, I'm entirely green, even though the subway that I ride on is probably powered by coal. Whatever those people think, I'm assuming that you at home have bought a car. My wife and I bought a new car the other day. And when I say new car, know that I don't actually mean new car. We've never driven new cars. I've never had the newest of anything except for the most recent iPhone. And there's like work reasons behind that. But I did get the newest iPhone. I do have an iPhone, Pro 17, whatever it's called. But that's the first time we've ever gotten anything like brand new. Brand new. So when I say new car, know that I actually mean used car. But the process of buying a car, as many of you know, is unbelievably nerve wracking. Even if you know what it is that you want, what it is that you're. You're looking for, what it is that you want to buy the car for. We've been in the market for a new car for a while. Not for any other reason, because we can't fit the family inside of the smaller cars. My wife had a. What is it? A Hyundai, Hyundai Tucson. Great car. Not saying anything bad about that car, but when you have two parents and two kids in the backseat, you don't, you just don't fit. There's no third row. There's no, we need a bigger car to be able to fit the entire family places. Because if you are a family, you're going to want to go places and you, you know, you don't want to leave the infant behind at home because you don't have the room in the car. So anyways, we need a new car. We've been looking for a while and finally my wife found one and we were like, hey, this looks like an interesting one. Several years old. We make the joke of currently driving a 10 year old car and we upgraded, we are in the new upgraded class where we've gone from driving 10 year old cars to driving 5 year old cars. Um, so that's, that's what new is in my family. But found one, went to a dealership, she decided, hey, I like it, it drives great. It is in the price range that we want. It has all of the things that we need in it, space wise, bigness wise. Because remember, we want to protect ourselves against all of the illegal drivers who are driving trucks in the state of California. And one of the ways to do that is get a big car. Anyways, checked all the boxes, really, really liked the car. We go to decide, hey, yeah, we want this car. But here's the catch and here's what I know is going to be a contentious moment between us and the dealership people. And it's not going to be over quickly. It's going to last a long time. So the fact that we want to pay cash, and that is not at all said to be like a flex of any kind, it is to say that my wife and I are very, very frugal. We save a lot of money. And I think when I was in like, like my later years in college, there was like a Dave Ramsey video where he kind of outlined, hey, if you save this much money, you can buy a crappy junker car that'll get you from A to B, which is what I did. And then because you don't have a car payment, you can save this amount of money and you can buy an even better junkie car. And then ultimately you build on top of each other and you've saved money rather than paying car payments to buy a car anyways. So we've saved a lot. We're just savers by nature and I'm thankful for that. My wife is not a run the credit card bill up, but we're paying in cash. And if you know anything about dealerships and dealers, they do not like paying in cash. They in a lot of ways sell the car almost at cost really to them. And they make their money by selling you loans, not necessarily high interest loans, even Though, that's what you're going to get if you're buying a car with bad credit or anything like that. But the process, after you tell them you would like to buy it in cash is very difficult because in some states, I think in California, you have to sell the car at the sticker price, regardless of how the person is buying. You can't discriminate, say, like, I'm not selling you this car because you're paying in cash. But then the, the hoops to jump through started happening. We say, hey, we're gonna buy in cash. Guy leaves, brings back a credit application. I said, what do we need the credit application for? So, you know, we, we always have to, you know, run these certain types of checks. Like, no, you don't, dude. We, we've settled on a number. I have that number in cash, and I'm going to give it to you for this car. And he says, oh, well, is this something we always do? And I'm like, no, no, it's not. I know that you're not. I know that you don't have to do this. And therefore, because I know that, and I know that he knows that now you're dealing with somebody who's willing to lie to you. So there's that. Finally, he's, okay, fine, we won't do that. Like, I know goes back, says, okay, here are the things that we've added on. And of course, they're not happy that they're selling a car in cash. They want to put a loan on it so that they can make money on that. And so in lieu of that, there's a bunch of different things. A line, there's a. There's a fat number at the bottom, and it's like, hey, what's included in that? Okay, there's $900 for this, you know, service fee. There's another thousand dollars for this. I go through and go, not going to pay these things. I like, I like. I know the gambit, I know the game. And if you're at home listening to this and you're like, yeah, I've bought a car in cash, too. This is exactly what happens. And ultimately, without going through the whole rigmarole of what ended up happening, ultimately, we got the car at a fair price. I was happy with it. They said they were happy with it. I can't imagine they were actually happy with it. But at the end of the day, I started talking to my wife on the way home just like, you know, what is it? Where there's a culture in A society that allows for the amount of salesmanship at best, lying at worst, that allows, that allows for that to happen. That's just kind of like a normal part of size. Like at the beginning of this, if you're listening to this or watching this, chances are you have bought a car. And the second I said we bought a new car and I hated every second of it, you go, oh, I know exactly why. And that's, and that's for some reason just accepted in modern American culture that like, hey, you're going to go to a car sale dealership, you're going to get a used car, whatever it is that you're going to get. And well, here are all the hoops that you're going to have to jump through if you want to get that car, even if you just have a check and cash that you're willing to pay for that car. And, and so that is my just broad thoughts of not only purchasing, you know what a car is, the second biggest purchase you're going to make outside of your house, but the fact that even at that level of hey, this is like, this is a big purchase, you've got people that are willing to lie to you and do it in a way that for some reason culture just accepts.

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[Joe]

Every now and then I rinse it out and I deep and I need it more. My kid we so bad and the smell never leave. I don't know what to do I'm always in the dark the sweat and.

[Monica Page]

D sh.

[Joe]

I'm down here Downy rinse fights style stubborn Odors in just one wash. When impossible odors get stuck in. Glenn has unmuted himself. I believe he would like to weigh in here on the. The, the journey, the adventures of the Ty Lefi family purchasing a motor vehicle. Your thoughts, Glenn?

[Glenn]

Joe, Bob, I, I remember I did say speak with you last night when we were talking about yesterday's episode. Yes. And you had mentioned you just got back from purchasing a car. And I think my first comment to you was, I'm sorry.

[Joe]

Exactly. No, it really is, because I know, and I didn't know.

[Glenn]

I didn't know this, this detail of the experience because then we got down to business. But, you know, hearing this, I, I can relate. I bought my car. It's currently a 2009 Kia Sportage that I bought new back in 2009. And that was my first new car. And I remember having the same dilemma because I had a bank loan, meaning I did have cash in hand. It wasn't mine. I was going to pay back the bank. But the price did change. And I'm not sure that law that you mentioned was in place back then or if it was. I wasn't aware of it and they weren't going to be offering that information. But the price of the car changes based on how you pay or it did back then, which, which was very frustrating that you couldn't just see the price, pay the price and get the thing. Yeah, but, yeah, that's, that's just the scam of it all. It's, it's very. I mean, I say scam. It's not really like an illegal scam, although it seems ethically nebulous, but it's.

[Joe]

But it's able to be perpetrated in a society and culture that doesn't value the cost of something in, and only looks at something as payment to payment to payment to payment. Because, right. Like when we, when we go and we're like, hey, we want to buy the car, you know, the first thing he says, okay, so what do you want your payment to be? And, and, you know, I'm thinking like, here it comes, here we go. I'm going to have to tell them we're paying cash. And because, because that's the way that way too big of a majority of people pay for cars is like, well, you want to get the payment. And I'm not saying that, like, that's not necessarily entirely a bad thing thing. It's just the difference between, you know, cash and a loan is met with, you know, all right, now I'm mad at you for, for, you know, whatever. Well, the reason is because they're, they're making less money on it. And so I don't know, when you.

[Glenn]

Go apply for a loan, you go off, you get a loan. And one of the questions you probably should ask when you get a loan is do the terms of this loan allow me to pay it off early? Like that, that would be ideal. Like, is there a penalty? Because some people do penalize you for paying off early. They are anticipating a certain amount of income based on how much interest they charge you month to month, year to year. And as that goes on, they plan their business around that. So if you start paying it off early, yeah, you're paying it back. But now their plans get thrown all whack. And if enough people do that, they make less money over time.

[Joe]

Well, of course, and that's the thing is, I don't, and it sounds like you might even agree with this. I don't necessarily think that that's like a bad business practice. It's, it's really like a cultural thing. Like culturally we've decided that we're just all okay with paying several hundred dollars a month or more for a car because we don't factor in the true cost of it. I know someone who, I kid you not, has somewhere between a 12 and 14% APR or interest rate, whatever on their car. And it's the, the, the term on it is like way they're going to be paying that car off at the price that they bought it way after it's worth what they paid for it. And like that's rough. Well then, but that's like a, that's.

[Glenn]

Rough, that's a rough percentage.

[Joe]

When it's, it's tough to blame the bank necessarily because if the person is willing to take the loan, like I, I, I can, I can, I'm much more easily swayed by like college loans. Like okay, you're, you're telling a 17, maybe 18 year old kid, you know, here's a loan for a hundred thousand dollars. Like you don't have any concept of that. But generally, you know, when you're buying cars, especially new ones, you're probably 25, 30, maybe a little bit older. So you know a little bit better than that. So it's hard to blame the bank for somebody that somebody should know. But also like what does that say about the culture and the society that only looks at things through month to month, instant gratification, paying off the car. Like, so you still drive your car.

[Glenn]

Which is now I still drive My car, it's. Now, I hate to say this, it's like 16 years old and I, I sit in it and I look at this and it still feels like my new car. But, you know, I've had to replace parts and the air conditioning went out for a couple years. Now it works again. But like, you know, through all that, I still, I sit in it and I still feel like a sense of pride that I had it new. At one point I got it with six miles on it. So it was my. I was the only owner ever. But it's also a matter of like, yeah, this thing's not going to last forever, but I am a so glad that it lasted longer than I was making payments on it. Like, that is. That is victory number one. Well, but victory number two is I'm still driving it now, like I was gonna say so much later.

[Joe]

But. But also you're. I mean, your personality type is you're meticulous about things. And I remember a couple times, I think you, the first time you came to the studio, you were talking about, oh, hey, this had to get repl. So like, you, you have the maintenance element, which to me conveys somebody who understands the value of the thing that they bought. Which again is the problem is that most people don't understand, hey, this thing is worth a lot of money and you're going to take out a loan against it and you're. You have to keep paying that loan or else they repo your car. And I, it seems more of a societal problem with not necessarily understanding the value of this highly valued thing that is in so many ways necessary in the culture or in the society that we live in. You have to have a car. You can't not, you know, unless you're a hippie in New York City. But, you know, the more you learn.

[Glenn]

About this, you have to decide you're either going to be on one side of this or the other. You're going to be the person renting, leasing, you know, taking out loans, making long term financial obligations that you have to fulfill, you know, periodically, or you're going to be the person investing in those and providing the money for people who will pay you back more than the amount that you loan them.

[Joe]

Yeah.

[Glenn]

So you got to be on one side of that equation or the other. Are you investing or are you kind of taking? I don't want to say the easy way. And that's not to like, you know, dunk on anyone who has a lot of loans. I probably have more loans than you do. Joe. But, but you know, it's, it's a matter of, you know, if you make them understanding the terms, if you agree to them, you know, that's fine. If you go into it with, with your eyes open and you understand the obligation, fine, pay it off, whatever, enjoy it. That's your style, right? Like we, okay, here's a good example and I'm curious to know about this. We have pet insurance for our cats and we're transitioning off of that to self insure, so to speak. So instead of paying the company that we get insurance through however much a month for each cat, we're just going to put that same amount in a bank account that's dedicated for their, you know, vet bills. And should there be some instance where one gets injured or needs a surgery, we will draw from that instead of going through the pet insurance company. And that's a lifestyle like, like that's how they pitch it to you actually. And I agree with that because you know, some people, their lifestyle, they would rather pay month to month and then when the big bill comes, let someone else take care of it. Or some people might rather save for it and earn interest while we save and then pay it off from our own pockets when that payment comes.

[Joe]

That does unique one or the other.

[Glenn]

And neither's wrong. Neither's wrong in my opinion.

[Joe]

Well, well, yeah, but that uniquely applies to insurance, right? Because insurance is for something. When the big bill comes, they cover it for like a car, for example. If, you know, you don't have the process of saving money and all that sort of stuff, you know, you could still be making loan payments on that car. Then the car could crap out. Now the big payment comes and. Okay, well what happens, right? You know, I mean, I guess you could have car insurance.

[Glenn]

You are stuck in that case.

[Joe]

Yeah, yeah, but they're, you know, you don't, not necessarily going to be covered entirely for whatever it is that happens to that car. I don't know, it's just an interesting, it's, it's tough. Well, how do I phrase this? It's not tough necessarily. It's, it's interesting having these conversations amongst two people that save money and are not, are not just like throwing it everywhere. I, I honest to God would love to. If you at home are watching this on your YouTube channel or rumble or whatever and just have a completely different mindset about how money works and saving and all that sort of stuff, I, I would love to talk to you. There's, there's people that built entire careers on Talking to people who don't have the same. And it's fast. Dang it, Glenn. We're gonna. This is gonna be way too long. One of these times we'll talk about the, the mentality behind what causes that. Like, is it because my wife and I have never, like, and we were like, we've heard stories from our parents of like when we'd get a dollar, like a week for allowance or whatever. I, I still have the first dollar that I was ever given still. Like, it's in my.

[Glenn]

That is so, that is so funny. I can totally see you having that.

[Joe]

I do what I do. And so that's the thing is it's, it's not something. Well, maybe it was learned. Maybe. But I think the better argument could be made that, well, this is just something I was born with. Like, I just have the saving and maybe that's good, maybe that's bad in some cases. My wife thinks I'm a pack rat and I never get rid of like things that I think I might need someday. So there's the, you know, there's the bad side of that. But it would be. That's an interesting conversation. We'll have to say that for another time of, you know, where does that come from? Maybe we'll make these like a series of things like the next tomorrow. Well, maybe not tomorrow because, well, maybe we should still do a one last point tomorrow even though we're not necessarily doing a show. Maybe the one last point tomorrow will be the continuation of where does the saving gene come from? And then wherever that conversation takes us will ensue the following day. Maybe.

[Glenn]

We'll see.

[Joe]

But thanks folks for tuning in. Producer Glenn, thank you for your comments, your concerns and your criticisms. Appreciate it. We will see you tomorrow same time, same place. Wherever is that you're watching this. This has been one last point.

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[Joe]

Every now and then I rinse it out and I need tummy rinse tonight and I need it more My kid wet the bed and the smell never leaves I don't know what to do I'm always in the dark the sweat and blood that short smells like a dyn tonight Downy rinse fights stubborn odors in just one wash when impossible odors get stuck in it can be taught, it should be taught and it will be taught. It's one last point We've been talking about whether or not frugality is, like, learned or it's an innate trait or what. What it is. And this is also on the back of we. I like talking about something, and I think we've generally not run out of time. There's no time limit on this, but once it gets to 15 minutes, it's like, all right, we probably should cut this off and. And do something else. But the last time we joined you on One last point, I was making the point about a very interesting car buying experience, which I thought was, well, pretty indicative of how many car experiences often go unfortunately. And I think part of that was then saying, yeah, we bought this car in cash. And this is not. That's not a flex. That's just a kind of an insight into how my wife and I live frugally. We've got enough cash to buy a car. I talked about, like, I think I watched a Dave Ramsey video in college, and he was like, yeah, buy a clunker, then, you know, next step up buying the next clunker, then just keep buying cars in cash. That's what we've done. And it got me thinking. I've always been like that. I think I told producer Glenn on the last episode of One Last Point that I still have the first dollar that I was ever given. And it's in this blue little zipper type envelope thing, which I also still have. And that was in my sock drawer growing up. I. I just. Every dollar ever made earned was given, went into that. And I just. I don't know. I've always been a saver. So I was curious, like, is that something that you're just born with? Like, how does that work? And so I decided to look into it a little bit, and turns out, not really. I don't want to bury the Lead here yet turns out not, not exactly something that you're definitely born with. There were two different studies that came up, one from the Journal of Consumer Research, which obviously they would want to know whether or not frugality is a learned trait or it's innate and you're born with, it turns out the herded ability, heritability, maybe that's how you pronounce that is estimated between 20 and 30% with the conclusion being that it's actually mostly environment causes that make somebody either frugal or not. There was another study in 2011, that first one was in 1999 that effectively did the same type of thing and found that it's about 25% heritability and then also another 30 to 40% tacked on with upbringing and family environment. And then the rest is like unique experience. What builds a frugal person? What builds a person that is a saver as opposed to somebody that just spends their money willy nilly. Ultimately it is about 25%. About a quarter of you is inherited through genes or genetics, whatever you want to call it, that impacts your decision making as far as, at least in this particular case, frugality and financial experiences. But I thought that was actually a good thing in my opinion because to me, a quarter of you being born frugal, which I think I probably have to have had that quarter like that, that's all that space is taken up. But, but that also said to me, okay, well then 75 of it is learned. Like 75 can be taught, people can be taught. In this particular case, you know, frugality and how to manage money and that sort of stuff. But also just like politics, right? If, if what you inherit in the way that you think about things is biologically only about 25% now recognize is kind of like a soft science and people are kind of guessing at this. But if that's the case and that's what the research has come to the conclusion of, then to me that says, okay, well, 75% of the personality then can be taught specific things that are good or bad, right? You can go down either path. And ideally, obviously you teach somebody how to do the good portion of that, which is save financially, which is to be frugal, which is, you know, how to conduct yourself on a financial platform, but also I guess also then a political and lifestyle platform, that that to me is good news. I think the more of you that is able to be taught and guided in the proper direction, now obviously assuming that proper direction guidance exists, the better because I Don't know. If you were to tell me, like 90% of the human personality is already like set in stone at birth. That's kind of concerning, honestly. And there's really nothing you can do to move the needle. But the fact that there's this much leeway space, again, allegedly 75% of the person in this particular example is, you know, learned and taught and molded by experiences and family environment and all that sort of stuff that to me says there's a lot of ability to move the needle one way or the other. And to me, that, that's, that's good news. Producer Glenn I'm curious, do you think. I, I honestly I think that, well, if I look back on my family, my grandparents were super frugal. I had, I had two sets of grandparents, like, like everyone does. I've got the immigrant grandparents who, immigrant grandparents are as, as far frugal as frugality gets, right? Like there are no. Find an immigrant grandparent. Doesn't matter from where, like if they're from Samoa like my grandparents, or like Eastern Europe or Africa. Anywhere that you come from, if you come into this country, you are the penny pinchiest person in the history of the world. I remember my grandma Glenn. I don't this, this well, in, in some cultures, in Polynesian culture, you do a money dance, right? You do a siva at a wedding, you know, you dance and people throw money at you. I remember my grandma at one of my cousin's birthday parties was on the floor picking up dollar bills that weren't hers. But she, she was like, well, there's money on the ground. Anyways, all that to be said is I had two sets of grandparents. My, my mom's parents too, were also very, very, very, very frugal and spent their money in things that like, made sense to purchase. Not necessarily were they were, they were necessities, not necessarily, you know, frivolous purchases. Anyways, Producer Glenn long winded way of asking, where do you fall on that spectrum of saving money and having a financial plan like where you do you feel like, oh, I was born with this, or I have a brother or a sister who was not born with this, and it shows. Where, where's that for you?

[Glenn]

Let me just take this opportunity to ask for an advance on my paycheck. No, I'm totally kidding. I'm totally kidding. Actually, I, I think, I mean, I'm one of three brothers, no sisters, and I'm the oldest of the three. So I, I'm thinking in terms of my family growing up and the youngest of the three was easily the most frugal. Much like. Much like our father, who was. Is. Or he's retired now, he's still alive, but he's. He may be watching this on YouTube at some point in the near future, so he'll let me know. But he was pretty frugal as an accountant, and just generally his personality was frugal. The youngest brother learned that. The middle and me the oldest, we learned it later. I didn't start off super frugal. As soon as I got a job, I had spending money. I didn't have saving money. And I think, I want to say around my mid-20s, I think I was 26 or so when I first started, like, saving for retirement. And immediately like, like it was, it was the moment when you realize, oh, shoot. So that that gets invested and grows, like all these years, I better start now. Oh, shoot. And then the next. Then you realize, should have started like, you know, when I started working.

[Joe]

Yeah.

[Glenn]

But, you know, c' est la vie. It's gone. Right. You can only do with what you've got now. So I figured out, and I transitioned for more of a guy who liked to spend all his money on things that he wanted in the moment to someone who clearly still buys plenty of books, which I love, but I also do make a priority of saving and hopefully for the right things. And now that I'm also married, that helps too, because it's not just me affected by my good or bad decisions.

[Joe]

Well, so it sounds like circumstance, though, like circumstance will push people into frugality. And again, this is a, this is a subset of a broader understanding of, like, how human personalities and characteristics are developed, I guess. But I don't know. I was surprised. It seems like this low of a number, which, because at a certain point, right. If, if, if so much of the way that you make decisions is hereditary driven, then there's a certain point where it, it becomes difficult to blame somebody for bad decisions. Right. Like, it becomes difficult to, you know, again, if 90 of you in the 90 of people were, were like, well, this is just, this is just. They were born with this and they have massive mounds of credit card debt. Like, at a certain point you got to go, ah, like, shucks. Like they, they didn't have any choice. But considering the fact that, you know, it seems like such a small number is something that you're born with. And yeah, environmental factors factor in this cultural.

[Glenn]

There's, I think we talked about this last time. There's cultural.

[Joe]

Yeah.

[Glenn]

Factors as well. So like, if you grew up around people who just took out debt, chances are you're likely to, to do what you've seen other people do. If you grew up around people that invested their, their savings, like, you know, religiously, chances are you'll probably be more apt to invest what you earn and instead of spending it. Or just true.

[Joe]

But, but, but also too, like, culture is a choice, right? Like, you can, you, you. And we, fortunately enough, have inherited the culture of the West. But at the same time, it is our choice to participate in that culture. I am much more likely to have sympathy for and help somebody who is, you know, born to an entirely, you know, a big disadvantage. Right. Like, if there's some physical limiters, some mental limiters, I 100% am willing to help people out on that. I'm not easily willing to help somebody out who made a choice that makes it more difficult for them to help themselves. In other words, like, if you got a big face tattoo and you're like, shoot, I can't find a job, like, I don't know how much sympathy I have for you because of that choice. But again, if you know you're physically deformed in some way, shape or form that doesn't allow you to participate in the workforce, I much would rather help those people through our church community as opposed to the government. But I'm willing to help you. Right. And so, like, to me, this says, hey, there's a lot of room for personal choices and personal growth not coming from a hereditary element, but coming from, you know, the culture that you exist in, unique experiences that happen to you, but those things definitely shape you. Which says to me, okay, in a lot of ways, there are decisions that people make that either put them on a good or bad trajectory.

[Glenn]

Yeah.

[Joe]

And honestly, it's really none of my business, but I don't, I don't particularly have a ton of sympathy for people who make decisions now, again, that there's obviously a much bigger conversation of redemption there. Like, I'm totally a fan of that. And I think, you know, if you can acknowledge that you've made some poor decisions, in this case financially, but, you know, other life decisions, I am 100% willing to help people who are on the pathway to redemption. But for people, you know, especially in our political system that are like, well, you know, this debt just happened to them because of the way that they are, like, I'm not, not really buying that argument. Really.

[Glenn]

No, I like the data that you provided. I mean, granted, it's, it's, it's from a soft science. So it's hard to say. Yeah, it's hard to tell specifically but I mean broad strokes, these are all learnable things. It's not something that you are, you know, faded to experience throughout your life. If you look and you say wow, I make, I'm making poor financial decisions and you, you see someone who shows you a better way, you can learn the better way, you can change your trajectory, you can do the why refi and get yourself fixed up right. And, and you're, you're, you're off to the races. You know, plenty of people go from rags to riches and vice versa because they started off one way and at some point changed their trajectory rather for better or worse. So I mean, I like that that's the case because I mean if I was bound to spend money the way I did when I got my first job at 18, like I don't think we'd have ever met because I wouldn't have been shooting super high to do, to do anything.

[Joe]

You know. Well, the one, I guess the, the thing that I often forget, Glenn and I think we'll just end on this. But I had forgotten about white privilege. That's actually the only way that you can gain any sort of momentum in life. It's by for some reason people believe your skin color. So there's that. Maybe, maybe, maybe that will be the next diatribe that leads into the following. One last point that you will see on Monday. Remember, we only do these Monday through Thursday. One last point. But you'll watch the real show on Real America's Voice Monday through Friday. Get a whole extra day there. But producer Glenn, thank you so much. We will. This has been one last point.

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[Joe]

Every now and then I rinse it out and I deep down and the smell never leave. I don't know what to do I'm always in the dark the sweat and dead sh SM smells like a dark I'm down here Downy rinse fights stubborn oath odors in just one wash when impossible odors get stuck in. So much grace has been given to the Trump administration says absolutely no one. This is one last point. It's really interesting the perspectives people have in the differences of how that is that they are treated. There's a video we're going to play here of Michelle Obama talking to. I think it's Good Morning America where she's talking about, you know, the struggles that she and her husband had to endure in the White House as opposed to. To what Is this different for you guys? And it's not for everybody else. Everybody else had this, you know, this fantastic grace period from the media, you know, except for, you know, conservatives or except for, you know, Trump or except for, you know, anybody else. Bottom line is she says something that is so ubiquitously untrue that it kind of makes you think, oh, my gosh. Yeah. If you actually believe this, Michelle, I could see why you think the country is the way that it is not. There's a, there's a, there's a certain element of. You're only able to dream up fascinations or inconsistencies with reality. If you believe something like this, I'll stop talking about it and just play it really quick. This is Michelle Obama on Good Morning America. Watch this.

[Glenn]

You said we were all too aware.

[Joe]

That as a first black couple, we couldn't afford any missteps.

[Glenn]

Or when I was under a particularly white hotel.

[Joe]

I'm sorry, I muted the wrong one to cough. Okay, I'm just gonna play it from this part again. We were all too aware that as a first black couple, we couldn't afford any missteps. Yeah.

[Glenn]

And you also say as a black woman, I was under a particularly white hot glare.

[Joe]

Did you feel that for sure?

[Glenn]

You can't afford to get anything wrong.

[Joe]

Because you didn't get the. At least until the country came to.

[Glenn]

Know us, we didn't get the grace that I think some other families have gotten.

[Joe]

What in the hell is she talking about? Like, honest to God. So, okay, yes, the. The Trump administration has received tons of grace from the D.C. establishments, the political elite, the media, the mainstream media, they've received so much grace that the Obamas did not get because they're black. Which, by the way, is totally untrue. Right. Like we're. We're being sarcastic and satirical when we say that the Trump administration has gotten any grace or any leeway from all of the power players in Washington, D.C. to assume that would make you crazy, and then on top of that, to inaccurately diagnose what's happening, but then to say because it's because we're black blows my mind. I honest. I honest. God, don't know where to go with this, because it's so outside of the realm of reality that it's kind of difficult to even make any arguments against it.

[Glenn]

Right?

[Joe]

Like, the basis of it is untrue. And then the diagnosis of the untrue thing is also ridiculous, which leaves you in a spot of going like, do we even take this seriously? Like, is this even a thing that we, like, pretend like, oh, yeah. Well, let's. Let's look at this from a serious and, you know, political and media scope. Let's look at this as a. As a real complaint and a real concern. I don't know that there has been a president in the history of this country that has gotten more leniency, more grace, especially early on, than Barack Obama. I don't know that there has been a president that has been able to skate by and avoid the criticisms of the mainstream media like Barack Obama had and continues to have. Remember, Barack Obama, when campaigning for Kamala Harris this last cycle, reiterated many of the lies that have been debunked thoroughly over the last 10 years. Specifically, the good people on both sides think Barack Obama himself said that. He knows it's not true. We know it's not true. Everybody with half an inclination to dive into something at a minimal level knows that it's not true. And yet he still said it and suffered zero political consequences for it. So in what world, Michelle, was there some lack of grace period that you didn't get because of the melanin continent content in your skin that other presidents have gotten? When was the Trump grace period? I must have missed that. I must have. Must have completely surpassed my recognition of it, because I. I must have been asleep. I don't know. Maybe I was. The 32nd grace period that the Trump administration got was. If there was any. It was about that long. I probably was, I don't know, asleep. Actually, that's probably not true. I was probably eating pizza because of the time change during the inauguration, which is the only timeframe that that 30 seconds could have happened. I probably was getting pizza because I was on, you know, the West coast was 9pm but it was midnight on the east coast. And so during that 32nd grace period that the media gave the president, I probably was at a late night pizza place. That's why I missed it. Bottom line here is the grace period that is afforded to others was apparently not afforded to the Obamas, which is the opposite of true. And the opposite of true happened because of course, they were black. Which kit not to go in on this, do you think? And I'm genuinely curious. Email the show tptp USA.com producer Glenn has some thoughts. One second, Glenn, or comment on, on, on YouTube. Do you think that Barack Obama got more votes or less votes because he, he was black? I would, I would be, I would stake my entire net worth on the fact that he got more votes. Do you think Hillary Clinton got more votes because she was a woman or less? All of the things that libs complain about constantly, generally speaking, are the opposite of what they actually are. Hillary Clinton got more votes because she was a woman. She, she lost because she's a terrible candidate, but she did better than she would have had she been a man. Barack Obama got more votes because he was black, not because of. He was. He didn't get less votes because he claims all the country is racist, which is just factually untrue. And race relations got worse under Obama. But we don't need to go into that whole thing. But the bottom line here is Barack Obama got more votes because he was black. Hillary Clinton got more votes because she was a woman. And yet continually there's a claim of, wow, we didn't get the same grace period that other presidents get. Okay, well, let me know when that grace period starts for the Trump administration or if I missed it entirely. Glenn, your thoughts?

[Glenn]

I was, I was thinking about the grace period comment and I had just finished Eric Trump's book Under Siege, and he mentions in the book that there was about 17 minutes. I think he said it was like 17 or 19 minutes, some very small number of minutes after Trump was inaugurated in 2017, before the first mainstream media, I forget the outlet they had posted an article about now's the time to start impeachment. He was president for 20 damn minutes. And they had already written this article and they posted it on inauguration day. Like, what kind of grace period was that? Because, you know, they didn't write it within those. It was Already planned out. There was never a plan for any kind of grace. And you are completely correct. Obama got so much grace, and probably more so than any president in my lifetime.

[Joe]

Well, one thing that we know for sure. Sure is true, that 17 minute window in which there was a grace period for President Trump before they started calling for impeachments would have been only, you know, 14 minutes if he were black, so.

[Glenn]

Oh, of course, of course. Because of, because of racism.

[Joe]

Because of racism, yes, exactly. Glenn, thank you. You're catching on. Thank you for, you know, glomming on to the message here. It's, you know, and it's, it's tough.

[Glenn]

As obviously a white man. You know, I can't understand the experience of anyone other than white men. Because racism, right, because of racism.

[Joe]

Yes.

[Glenn]

No, but back in reality, I think it's, it's, it's very sad to see Michelle talk like this. And I don't know if she actually believes it. Like, yeah, I think part of me, my brain says she doesn't believe this, but she thinks a lot of the audience believes it. So she's maybe playing into that idea, which is totally racist, by the way. But what if she does? Like, how sad is that? To limit yourself by that?

[Joe]

That is the actual problem. Like, if they actually believe it, that's when you have a, like, oh, like we're going to have to do something about this because holy cow, this is, this is where things go off the rails fast. Because when people like not to give any, no pun intended, not to give any grace to people who say things that they don't believe, but if you actually believe it, that's, that's worse. And that's been a running theme on this show, like, are they stupid or do they actually believe this thing that they are saying? But fascinating. We, I guess we'll never know. But, you know, as far as right now, I guess the only, the only option is to take her at her word. Maybe she does, in fact believe it, and maybe we are, in fact doomed if more and more people start believing this. Producer Glenn, I will see you at the next privilege meeting. As you are white and I have been called white adjacent because I believe in conservative values by. And the Internet does not accept that. Are you bringing the chips and I'm bringing the salsa or how does the privilege meeting work? That's coming up here.

[Glenn]

It's proportionate to your privilege. So I'll be bringing more chips. You just bring a few. Fantastic.

[Joe]

This has been one last point. Thanks for tuning in.

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[Joe]

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[Glenn]

You know, talk about things, things that.

[Joe]

Are interesting and producer Glenn weighs in and you know, anything can happen. But you can only find those usually at our Turning Point Tonight YouTube channel.

[Glenn]

So go subscribe there.

[Joe]

Monica Page did a fantastic report on the Supreme Court taking up President Trump's tariffs which I would love to play for you now because it's a very important thing. And whatever the Supreme Court decides is going to be very, very interesting, and they're going to do it sooner than later. So check this out from Turning Points. White House correspondent Monica Page.

[Monica Page]

We're here outside the Supreme Court where oral arguments begin in the case involving the legality of President Trump's tariffs.

[Glenn]

Yeah, I'm not looking for leverage. I'm looking for fairness. We want reciprocal as much as possible.

[Monica Page]

The Trump administration faces off against small businesses and a group of states who believe most of the tariffs it put in place are illegal and should be struck down. In implementing the sweeping tariffs on nearly all imported goods from nearly all U.S. trading partners, the president used the 1977 International Emergency Economic Powers act, otherwise known as IIPA. The text of IIPA says the president has the power to regulate the importation of foreign property during national emergencies. President Trump first invoked this law back in February to tax goods from China, Mexico and Canada, arguing drug trafficking from those countries specifically constituted an emergency. For context, the White House previously credited this 1977 act for its speed and flexibility. And by declaring this emergency act under the law, the president can issue immediate orders and bypass longer processes. The administration deployed it again on April 2, ranging from 10% to 50% tariffs on goods from nearly every country in the world.

[Glenn]

Our country and its taxpayers have been ripped off for more than 50 years, but it is not going to happen anymore. It's not going to happen.

[Monica Page]

We've already seen some positives that Trump's tariffs have had on our economy and relationships overseas. For example, Treasury Secretary Scott Bessen says if it wasn't for ieba, the fentanyl situation involving China would be far worse.

[Joe]

This is a matter of matter of national security. The Chinese agreed to start working to bring down the precursors for fentanyl.

[Monica Page]

The administration also says that thanks to these tariffs, we will significantly cut the deficit.

[Joe]

In fact, this year alone, we are.

[Monica Page]

Going to cut the deficit by $600 billion, namely because of the president's effective use of tariffs. And it could even go as far as giving the American people a rebate.

[Glenn]

We have so much money coming in, we're thinking about a little rebate. But the big thing want to do is pay down debt, but we're thinking about a rebate.

[Monica Page]

So what happens next? If the court rules the tariffs are illegal, the president's trade strategy may be in trouble. Reports also say the government may have to refund some of the billions of dollars it already collected through these Tariffs. But the president has a backup plan. I'll tell you, the White House is always preparing for plan B. It would be imprudent of the president's advisors not to prepare for such a situation. Even Politico reports that the White House is ready to, quote, fall back on a patchwork of other trade statutes to keep pressure on U.S. trading partners and preserve billions in tariff revenue. President Trump recently weighed in ahead of these oral arguments, raising alarms. If he does not win this case.

[Joe]

I think our country will be immeasurably hurt. I think our economy will go to hell.

[Monica Page]

And he also took to truth, social acceptance, expressing just how high the stakes are in this case, calling it, quote, life or death for this country. But press Secretary Caroline Levitt conveyed confidence from the podium. We are 100% confident in the president and his team's legal arguments in the merits of the law in this case. And we remain optimistic that the Supreme Court is going to do the right thing. And White House spokesman Kush Desai exclusively shares with us here at Frontlines a message of hope. Hope saying President Trump lawfully exercised the emergency tariff powers granted to the executive branch by Congress. And the administration is confident in its ultimate victory on this matter by the Supreme Court. While the White House expresses optimism ahead of the arguments, its ruling will either cement or gut one of the boldest executive trade gambles in history from the Supreme Court. For Frontlines with Turning Point, I'm Monica Page.

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[Joe]

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